Home > Western Bank > Performance and Condition Ratios
Western Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 5,195 |
| Cost of funding earning assets | 0.1629% | 5,754 |
| Net interest margin | 3.2518% | 4,490 |
| Noninterest income to average assets | 0.2864% | 4,913 |
| Noninterest expense to average assets | 2.3926% | 4,571 |
| Loan and lease loss provision to assets | 0.1126% | 1,951 |
| Net operating income to assets | 0.8363% | 3,189 |
| Return on assets (ROA) | 0.8766% | 3,113 |
| Pretax return on assets | 0.8803% | 4,030 |
| Return on Equity (ROE) | 7.7180% | 3,206 |
| Retained earnings to average equity (ytd only) | 1.1556% | 5,106 |
| Net charge-offs to loans | 0.0372% | 2,939 |
| Credit loss provision to net charge-offs | 656.5217% | 512 |
| Earnings coverage of net charge-offs (x) | 55.5435% | 889 |
| Efficiency ratio | 65.7713% | 4,053 |
| Assets per employee ($millions) | 7.5101% | 669 |
| Cash dividends to net income (ytd only)* | 85.0276% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 3,640 |
| Loan loss allowance to noncurrent loans | 60.5779% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.5408% | 1,585 |
| Noncurrent loans to loans | 2.0232% | 1,200 |
| Net loans and leases to total assets | 47.8901% | 5,115 |
| Net loans and leases to deposits | 59.6895% | 4,876 |
| Net loans and leases to core deposits | 68.7516% | 4,434 |
| Total domestic deposits to total assets | 80.2321% | 4,812 |
| Equity capital to assets | 11.5280% | 2,391 |
| Core capital (leverage) ratio | 10.9753% | 2,448 |
| Tier 1 risk-based capital ratio | 16.7749% | 2,496 |
| Total risk-based capital ratio | 17.6741% | 2,605 |
| Memoranda: | ||
| Average total assets | $536,395,000 | 1,277 |
| Average earning assets | $504,577,330 | 1,250 |
| Average equity | $60,922,670 | 1,252 |
| Average total loans | $247,039,000 | 1,761 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3162% | 5,410 |
| Cost of funding earning assets | 0.1631% | 5,824 |
| Net interest margin | 3.1531% | 4,777 |
| Noninterest income to average assets | 0.2702% | 5,017 |
| Noninterest expense to average assets | 2.3022% | 4,875 |
| Loan and lease loss provision to assets | 0.0207% | 3,444 |
| Net operating income to assets | 0.9163% | 2,672 |
| Return on assets (ROA) | 0.9946% | 2,423 |
| Pretax return on assets | 0.9946% | 3,531 |
| Return on Equity (ROE) | 8.8209% | 2,535 |
| Retained earnings to average equity (ytd only) | 8.8209% | 1,262 |
| Net charge-offs to loans | 0.0773% | 1,930 |
| Credit loss provision to net charge-offs | 59.5745% | 2,008 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,223 |
| Efficiency ratio | 65.1926% | 4,288 |
| Assets per employee ($millions) | 8.1001% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 4,229 |
| Loan loss allowance to noncurrent loans | 50.5321% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3734% | 1,927 |
| Noncurrent loans to loans | 2.2883% | 1,083 |
| Net loans and leases to total assets | 43.5727% | 5,381 |
| Net loans and leases to deposits | 58.2194% | 4,896 |
| Net loans and leases to core deposits | 66.4655% | 4,475 |
| Total domestic deposits to total assets | 74.8423% | 5,841 |
| Equity capital to assets | 11.1997% | 2,755 |
| Core capital (leverage) ratio | 11.2472% | 2,195 |
| Tier 1 risk-based capital ratio | 18.5489% | 1,989 |
| Total risk-based capital ratio | 19.4444% | 2,036 |
| Memoranda: | ||
| Average total assets | $541,737,500 | 1,265 |
| Average earning assets | $510,104,000 | 1,247 |
| Average equity | $61,082,000 | 1,252 |
| Average total loans | $243,115,000 | 1,787 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,824 |
| Cost of funding earning assets | 0.1548% | 6,071 |
| Net interest margin | 3.8184% | 2,556 |
| Noninterest income to average assets | 0.2997% | 4,981 |
| Noninterest expense to average assets | 2.7198% | 3,793 |
| Loan and lease loss provision to assets | 0.2336% | 1,034 |
| Net operating income to assets | 0.9166% | 2,796 |
| Return on assets (ROA) | 1.0141% | 2,397 |
| Pretax return on assets | 1.0149% | 3,434 |
| Return on Equity (ROE) | 8.4628% | 2,864 |
| Retained earnings to average equity (ytd only) | -1.6003% | 5,975 |
| Net charge-offs to loans | 0.0086% | 4,746 |
| Credit loss provision to net charge-offs | 5,533.3333% | 52 |
| Earnings coverage of net charge-offs (x) | 272.6667% | 197 |
| Efficiency ratio | 64.2293% | 4,559 |
| Assets per employee ($millions) | 7.8294% | 569 |
| Cash dividends to net income (ytd only)* | 118.9098% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 4,027 |
| Loan loss allowance to noncurrent loans | 76.8489% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 2,560 |
| Noncurrent loans to loans | 1.5560% | 1,882 |
| Net loans and leases to total assets | 45.1766% | 5,393 |
| Net loans and leases to deposits | 61.3269% | 4,777 |
| Net loans and leases to core deposits | 69.7035% | 4,348 |
| Total domestic deposits to total assets | 73.6652% | 5,971 |
| Equity capital to assets | 11.3556% | 2,553 |
| Core capital (leverage) ratio | 10.7712% | 2,650 |
| Tier 1 risk-based capital ratio | 18.1678% | 2,087 |
| Total risk-based capital ratio | 19.1176% | 2,147 |
| Memoranda: | ||
| Average total assets | $497,469,600 | 1,338 |
| Average earning assets | $465,244,800 | 1,320 |
| Average equity | $59,614,000 | 1,229 |
| Average total loans | $244,571,400 | 1,721 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 3,338 |
| Cost of funding earning assets | 0.1493% | 6,187 |
| Net interest margin | 3.9594% | 2,000 |
| Noninterest income to average assets | 0.3095% | 4,964 |
| Noninterest expense to average assets | 2.8680% | 3,238 |
| Loan and lease loss provision to assets | 0.1791% | 1,372 |
| Net operating income to assets | 0.9581% | 2,652 |
| Return on assets (ROA) | 0.9581% | 2,728 |
| Pretax return on assets | 0.9592% | 3,761 |
| Return on Equity (ROE) | 7.8846% | 3,273 |
| Retained earnings to average equity (ytd only) | -3.2938% | 6,162 |
| Net charge-offs to loans | 0.0109% | 4,356 |
| Credit loss provision to net charge-offs | 3,295.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 209.4184% | 312 |
| Efficiency ratio | 65.6742% | 4,262 |
| Assets per employee ($millions) | 7.4047% | 665 |
| Cash dividends to net income (ytd only)* | 141.7753% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 5,368 |
| Loan loss allowance to noncurrent loans | 62.0834% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0802% | 2,797 |
| Noncurrent loans to loans | 1.5543% | 2,087 |
| Net loans and leases to total assets | 45.5476% | 5,412 |
| Net loans and leases to deposits | 62.7821% | 4,667 |
| Net loans and leases to core deposits | 71.8181% | 4,169 |
| Total domestic deposits to total assets | 72.5486% | 6,133 |
| Equity capital to assets | 11.0981% | 2,861 |
| Core capital (leverage) ratio | 10.8050% | 2,689 |
| Tier 1 risk-based capital ratio | 17.1381% | 2,554 |
| Total risk-based capital ratio | 17.8907% | 2,707 |
| Memoranda: | ||
| Average total assets | $490,695,000 | 1,366 |
| Average earning assets | $458,141,750 | 1,350 |
| Average equity | $59,625,500 | 1,239 |
| Average total loans | $245,751,750 | 1,724 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 3,612 |
| Cost of funding earning assets | 0.1332% | 6,346 |
| Net interest margin | 3.8972% | 2,178 |
| Noninterest income to average assets | 0.3051% | 4,962 |
| Noninterest expense to average assets | 2.9852% | 2,887 |
| Loan and lease loss provision to assets | 0.2229% | 1,039 |
| Net operating income to assets | 0.7298% | 3,679 |
| Return on assets (ROA) | 0.7298% | 3,774 |
| Pretax return on assets | 0.7315% | 4,530 |
| Return on Equity (ROE) | 5.8182% | 4,260 |
| Retained earnings to average equity (ytd only) | -4.2156% | 6,192 |
| Net charge-offs to loans | -0.0276% | 5,657 |
| Credit loss provision to net charge-offs | -1,561.7647% | 5,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5856% | 3,725 |
| Assets per employee ($millions) | 7.1267% | 752 |
| Cash dividends to net income (ytd only)* | 172.4554% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 5,650 |
| Loan loss allowance to noncurrent loans | 76.5787% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 4,262 |
| Noncurrent loans to loans | 1.2072% | 2,821 |
| Net loans and leases to total assets | 47.2152% | 5,242 |
| Net loans and leases to deposits | 64.8595% | 4,393 |
| Net loans and leases to core deposits | 74.7504% | 3,752 |
| Total domestic deposits to total assets | 72.7961% | 6,200 |
| Equity capital to assets | 11.4498% | 2,466 |
| Core capital (leverage) ratio | 11.5869% | 1,935 |
| Tier 1 risk-based capital ratio | 17.6842% | 2,359 |
| Total risk-based capital ratio | 18.4384% | 2,502 |
| Memoranda: | ||
| Average total assets | $476,548,330 | 1,405 |
| Average earning assets | $444,419,670 | 1,390 |
| Average equity | $59,778,000 | 1,222 |
| Average total loans | $245,937,000 | 1,720 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 3,159 |
| Cost of funding earning assets | 0.1285% | 6,454 |
| Net interest margin | 4.0028% | 1,749 |
| Noninterest income to average assets | 0.3123% | 4,868 |
| Noninterest expense to average assets | 3.1177% | 2,477 |
| Loan and lease loss provision to assets | 0.2340% | 946 |
| Net operating income to assets | 0.6827% | 3,773 |
| Return on assets (ROA) | 0.6827% | 3,849 |
| Pretax return on assets | 0.6862% | 4,533 |
| Return on Equity (ROE) | 5.1834% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.1834% | 3,001 |
| Net charge-offs to loans | -0.0506% | 5,813 |
| Credit loss provision to net charge-offs | -858.0645% | 5,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8715% | 3,674 |
| Assets per employee ($millions) | 6.7302% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 6,037 |
| Loan loss allowance to noncurrent loans | 138.7252% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 5,254 |
| Noncurrent loans to loans | 0.6001% | 4,359 |
| Net loans and leases to total assets | 49.7527% | 4,934 |
| Net loans and leases to deposits | 63.7497% | 4,337 |
| Net loans and leases to core deposits | 72.6845% | 3,797 |
| Total domestic deposits to total assets | 78.0437% | 5,831 |
| Equity capital to assets | 12.4861% | 1,584 |
| Core capital (leverage) ratio | 13.1749% | 1,098 |
| Tier 1 risk-based capital ratio | 19.0337% | 1,957 |
| Total risk-based capital ratio | 19.7314% | 2,093 |
| Memoranda: | ||
| Average total assets | $454,696,500 | 1,477 |
| Average earning assets | $423,202,000 | 1,462 |
| Average equity | $59,883,000 | 1,218 |
| Average total loans | $244,940,500 | 1,720 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 2,211 |
| Cost of funding earning assets | 0.1411% | 6,573 |
| Net interest margin | 4.3570% | 984 |
| Noninterest income to average assets | 0.3488% | 4,822 |
| Noninterest expense to average assets | 3.2434% | 2,299 |
| Loan and lease loss provision to assets | 0.3972% | 753 |
| Net operating income to assets | 0.7534% | 3,526 |
| Return on assets (ROA) | 0.7534% | 3,623 |
| Pretax return on assets | 0.7557% | 4,314 |
| Return on Equity (ROE) | 5.5635% | 4,350 |
| Retained earnings to average equity (ytd only) | 1.5368% | 5,126 |
| Net charge-offs to loans | 0.1181% | 3,629 |
| Credit loss provision to net charge-offs | 600.6873% | 388 |
| Earnings coverage of net charge-offs (x) | 17.4364% | 1,714 |
| Efficiency ratio | 66.9595% | 4,376 |
| Assets per employee ($millions) | 5.3774% | 1,768 |
| Cash dividends to net income (ytd only)* | 72.3764% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 6,345 |
| Loan loss allowance to noncurrent loans | 32.8327% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2382% | 2,940 |
| Noncurrent loans to loans | 2.1316% | 1,847 |
| Net loans and leases to total assets | 57.6814% | 4,086 |
| Net loans and leases to deposits | 68.2936% | 4,007 |
| Net loans and leases to core deposits | 76.4009% | 3,566 |
| Total domestic deposits to total assets | 84.4610% | 3,986 |
| Equity capital to assets | 13.9498% | 916 |
| Core capital (leverage) ratio | 13.3253% | 1,012 |
| Tier 1 risk-based capital ratio | 19.2964% | 1,837 |
| Total risk-based capital ratio | 19.9151% | 1,989 |
| Memoranda: | ||
| Average total assets | $440,122,400 | 1,505 |
| Average earning assets | $408,862,400 | 1,483 |
| Average equity | $59,603,000 | 1,209 |
| Average total loans | $246,337,000 | 1,682 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 2,812 |
| Cost of funding earning assets | 0.1465% | 6,653 |
| Net interest margin | 4.1987% | 1,337 |
| Noninterest income to average assets | 0.3439% | 4,939 |
| Noninterest expense to average assets | 3.2393% | 2,228 |
| Loan and lease loss provision to assets | 0.3093% | 1,095 |
| Net operating income to assets | 0.6908% | 3,907 |
| Return on assets (ROA) | 0.6908% | 4,041 |
| Pretax return on assets | 0.6938% | 4,707 |
| Return on Equity (ROE) | 5.1377% | 4,655 |
| Retained earnings to average equity (ytd only) | -0.2234% | 5,983 |
| Net charge-offs to loans | 0.0319% | 4,495 |
| Credit loss provision to net charge-offs | 1,745.7627% | 191 |
| Earnings coverage of net charge-offs (x) | 56.6135% | 791 |
| Efficiency ratio | 69.3473% | 3,860 |
| Assets per employee ($millions) | 5.6877% | 1,463 |
| Cash dividends to net income (ytd only)* | 104.3478% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5181% | 6,643 |
| Loan loss allowance to noncurrent loans | 35.1757% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 4,113 |
| Noncurrent loans to loans | 1.4728% | 2,959 |
| Net loans and leases to total assets | 53.7170% | 4,657 |
| Net loans and leases to deposits | 62.4872% | 4,693 |
| Net loans and leases to core deposits | 70.4949% | 4,268 |
| Total domestic deposits to total assets | 85.9647% | 3,269 |
| Equity capital to assets | 13.1643% | 1,258 |
| Core capital (leverage) ratio | 12.9346% | 1,232 |
| Tier 1 risk-based capital ratio | 19.1240% | 1,950 |
| Total risk-based capital ratio | 19.5828% | 2,166 |
| Memoranda: | ||
| Average total assets | $443,949,000 | 1,497 |
| Average earning assets | $412,216,250 | 1,481 |
| Average equity | $59,688,500 | 1,217 |
| Average total loans | $246,229,500 | 1,686 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2891% | 3,000 |
| Cost of funding earning assets | 0.1522% | 6,697 |
| Net interest margin | 4.1369% | 1,445 |
| Noninterest income to average assets | 0.3144% | 5,184 |
| Noninterest expense to average assets | 3.1321% | 2,574 |
| Loan and lease loss provision to assets | 0.2783% | 1,319 |
| Net operating income to assets | 0.7441% | 3,598 |
| Return on assets (ROA) | 0.7441% | 3,752 |
| Pretax return on assets | 0.7486% | 4,508 |
| Return on Equity (ROE) | 5.4959% | 4,460 |
| Retained earnings to average equity (ytd only) | -2.4885% | 6,248 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1611% | 4,153 |
| Assets per employee ($millions) | 5.7796% | 1,359 |
| Cash dividends to net income (ytd only)* | 145.2785% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3617% | 6,792 |
| Loan loss allowance to noncurrent loans | 386.0870% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 6,035 |
| Noncurrent loans to loans | 0.0937% | 6,121 |
| Net loans and leases to total assets | 55.6841% | 4,343 |
| Net loans and leases to deposits | 67.1980% | 4,116 |
| Net loans and leases to core deposits | 76.5982% | 3,473 |
| Total domestic deposits to total assets | 82.8657% | 4,751 |
| Equity capital to assets | 12.7143% | 1,465 |
| Core capital (leverage) ratio | 12.4193% | 1,403 |
| Tier 1 risk-based capital ratio | 18.5636% | 2,121 |
| Total risk-based capital ratio | 18.8696% | 2,435 |
| Memoranda: | ||
| Average total assets | $444,052,000 | 1,493 |
| Average earning assets | $412,675,000 | 1,479 |
| Average equity | $60,117,330 | 1,212 |
| Average total loans | $248,455,670 | 1,667 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 3,744 |
| Cost of funding earning assets | 0.1605% | 6,765 |
| Net interest margin | 3.9346% | 2,000 |
| Noninterest income to average assets | 0.3485% | 4,891 |
| Noninterest expense to average assets | 3.0077% | 2,965 |
| Loan and lease loss provision to assets | 0.2231% | 1,652 |
| Net operating income to assets | 0.7858% | 3,240 |
| Return on assets (ROA) | 0.7858% | 3,370 |
| Pretax return on assets | 0.7858% | 4,229 |
| Return on Equity (ROE) | 5.6352% | 4,236 |
| Retained earnings to average equity (ytd only) | 0.4948% | 5,627 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5217% | 4,404 |
| Assets per employee ($millions) | 6.2447% | 1,114 |
| Cash dividends to net income (ytd only)* | 91.2201% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2076% | 6,910 |
| Loan loss allowance to noncurrent loans | 62.9091% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 4,656 |
| Noncurrent loans to loans | 0.3299% | 5,576 |
| Net loans and leases to total assets | 55.4984% | 4,170 |
| Net loans and leases to deposits | 65.5533% | 4,115 |
| Net loans and leases to core deposits | 73.5163% | 3,638 |
| Total domestic deposits to total assets | 84.6615% | 4,195 |
| Equity capital to assets | 13.8355% | 1,079 |
| Core capital (leverage) ratio | 12.7819% | 1,202 |
| Tier 1 risk-based capital ratio | 18.7310% | 2,117 |
| Total risk-based capital ratio | 18.9098% | 2,463 |
| Memoranda: | ||
| Average total assets | $446,451,500 | 1,501 |
| Average earning assets | $416,202,000 | 1,481 |
| Average equity | $62,252,000 | 1,185 |
| Average total loans | $249,942,500 | 1,666 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9831% | 7,043 |
| Cost of funding earning assets | 0.0381% | 7,044 |
| Net interest margin | 0.9450% | 7,033 |
| Noninterest income to average assets | 0.0725% | 6,614 |
| Noninterest expense to average assets | 0.7637% | 7,034 |
| Loan and lease loss provision to assets | 0.0655% | 4,940 |
| Net operating income to assets | 0.1397% | 5,915 |
| Return on assets (ROA) | 0.1397% | 6,069 |
| Pretax return on assets | 0.1397% | 6,084 |
| Return on Equity (ROE) | 1.0892% | 6,117 |
| Retained earnings to average equity (ytd only) | 1.0892% | 5,328 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4807% | 3,718 |
| Assets per employee ($millions) | 6.5189% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1081% | 6,986 |
| Loan loss allowance to noncurrent loans | 37.9747% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 4,873 |
| Noncurrent loans to loans | 0.2846% | 5,768 |
| Net loans and leases to total assets | 56.2990% | 4,236 |
| Net loans and leases to deposits | 67.2551% | 4,094 |
| Net loans and leases to core deposits | 72.3779% | 3,997 |
| Total domestic deposits to total assets | 83.7097% | 4,441 |
| Equity capital to assets | 14.0536% | 1,030 |
| Core capital (leverage) ratio | 13.2619% | 1,027 |
| Tier 1 risk-based capital ratio | 19.1737% | 1,911 |
| Total risk-based capital ratio | 19.2696% | 2,230 |
| Memoranda: | ||
| Average total assets | $412,189,200 | 1,589 |
| Average earning assets | $391,001,800 | 1,539 |
| Average equity | $52,885,200 | 1,344 |
| Average total loans | $263,228,800 | 1,574 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 3,037 |
| Cost of funding earning assets | 0.2624% | 6,761 |
| Net interest margin | 4.3833% | 1,242 |
| Noninterest income to average assets | 0.4411% | 4,355 |
| Noninterest expense to average assets | 2.7440% | 4,198 |
| Loan and lease loss provision to assets | 0.2670% | 2,441 |
| Net operating income to assets | 1.6089% | 820 |
| Return on assets (ROA) | 1.6089% | 919 |
| Pretax return on assets | 1.6105% | 1,542 |
| Return on Equity (ROE) | 12.8759% | 1,370 |
| Retained earnings to average equity (ytd only) | 8.6279% | 1,364 |
| Net charge-offs to loans | 0.1205% | 4,169 |
| Credit loss provision to net charge-offs | 336.0996% | 790 |
| Earnings coverage of net charge-offs (x) | 23.6303% | 1,304 |
| Efficiency ratio | 59.3737% | 5,602 |
| Assets per employee ($millions) | 6.3079% | 1,064 |
| Cash dividends to net income (ytd only)* | 32.9918% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9873% | 2,201 |
| Loan loss allowance to noncurrent loans | 241.4041% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 4,705 |
| Noncurrent loans to loans | 0.8232% | 4,772 |
| Net loans and leases to total assets | 61.6747% | 3,448 |
| Net loans and leases to deposits | 72.7343% | 3,490 |
| Net loans and leases to core deposits | 77.9333% | 3,470 |
| Total domestic deposits to total assets | 84.7946% | 3,838 |
| Equity capital to assets | 12.2285% | 2,090 |
| Core capital (leverage) ratio | 11.9300% | 1,698 |
| Tier 1 risk-based capital ratio | 17.0810% | 2,700 |
| Total risk-based capital ratio | 18.3188% | 2,655 |
| Memoranda: | ||
| Average total assets | $404,415,750 | 1,632 |
| Average earning assets | $385,695,500 | 1,569 |
| Average equity | $50,532,250 | 1,412 |
| Average total loans | $266,577,500 | 1,563 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 2,718 |
| Cost of funding earning assets | 0.2735% | 6,824 |
| Net interest margin | 4.4765% | 1,036 |
| Noninterest income to average assets | 0.4997% | 3,924 |
| Noninterest expense to average assets | 2.7302% | 4,290 |
| Loan and lease loss provision to assets | 0.2726% | 2,402 |
| Net operating income to assets | 1.7575% | 606 |
| Return on assets (ROA) | 1.7575% | 679 |
| Pretax return on assets | 1.7600% | 1,111 |
| Return on Equity (ROE) | 13.9581% | 1,132 |
| Retained earnings to average equity (ytd only) | 9.9776% | 981 |
| Net charge-offs to loans | 0.0573% | 4,613 |
| Credit loss provision to net charge-offs | 710.5263% | 447 |
| Earnings coverage of net charge-offs (x) | 52.9868% | 697 |
| Efficiency ratio | 57.3230% | 5,951 |
| Assets per employee ($millions) | 5.6776% | 1,461 |
| Cash dividends to net income (ytd only)* | 28.5181% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 2,300 |
| Loan loss allowance to noncurrent loans | 159.4119% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 4,079 |
| Noncurrent loans to loans | 1.2385% | 4,072 |
| Net loans and leases to total assets | 64.7749% | 2,880 |
| Net loans and leases to deposits | 75.7641% | 3,018 |
| Net loans and leases to core deposits | 82.1456% | 2,944 |
| Total domestic deposits to total assets | 85.4954% | 3,612 |
| Equity capital to assets | 12.6582% | 1,716 |
| Core capital (leverage) ratio | 12.1699% | 1,510 |
| Tier 1 risk-based capital ratio | 16.9841% | 2,670 |
| Total risk-based capital ratio | 18.2415% | 2,629 |
| Memoranda: | ||
| Average total assets | $396,241,330 | 1,670 |
| Average earning assets | $377,351,330 | 1,600 |
| Average equity | $49,892,000 | 1,424 |
| Average total loans | $265,466,330 | 1,570 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 2,613 |
| Cost of funding earning assets | 0.2824% | 6,897 |
| Net interest margin | 4.5244% | 966 |
| Noninterest income to average assets | 0.4338% | 4,426 |
| Noninterest expense to average assets | 2.7515% | 4,236 |
| Loan and lease loss provision to assets | 0.2882% | 2,157 |
| Net operating income to assets | 1.6955% | 725 |
| Return on assets (ROA) | 1.6955% | 805 |
| Pretax return on assets | 1.7006% | 1,299 |
| Return on Equity (ROE) | 13.5023% | 1,291 |
| Retained earnings to average equity (ytd only) | 13.5023% | 620 |
| Net charge-offs to loans | -0.0151% | 6,085 |
| Credit loss provision to net charge-offs | -2,830.0000% | 6,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0451% | 5,912 |
| Assets per employee ($millions) | 5.5743% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 2,639 |
| Loan loss allowance to noncurrent loans | 380.2691% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 4,810 |
| Noncurrent loans to loans | 0.5030% | 5,667 |
| Net loans and leases to total assets | 65.0143% | 2,644 |
| Net loans and leases to deposits | 75.3744% | 2,912 |
| Net loans and leases to core deposits | 82.1456% | 2,811 |
| Total domestic deposits to total assets | 86.2552% | 3,383 |
| Equity capital to assets | 12.4960% | 1,721 |
| Core capital (leverage) ratio | 12.3202% | 1,426 |
| Tier 1 risk-based capital ratio | 16.6957% | 2,814 |
| Total risk-based capital ratio | 17.9520% | 2,765 |
| Memoranda: | ||
| Average total assets | $392,808,500 | 1,690 |
| Average earning assets | $373,886,000 | 1,621 |
| Average equity | $49,325,000 | 1,435 |
| Average total loans | $265,014,000 | 1,578 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4114% | 1,390 |
| Cost of funding earning assets | 0.4665% | 6,671 |
| Net interest margin | 4.9450% | 466 |
| Noninterest income to average assets | 0.3805% | 4,783 |
| Noninterest expense to average assets | 2.9628% | 3,731 |
| Loan and lease loss provision to assets | 0.4504% | 2,353 |
| Net operating income to assets | 1.6550% | 599 |
| Return on assets (ROA) | 1.6749% | 618 |
| Pretax return on assets | 1.6762% | 1,043 |
| Return on Equity (ROE) | 13.2468% | 1,112 |
| Retained earnings to average equity (ytd only) | 2.0245% | 4,771 |
| Net charge-offs to loans | 1.1218% | 1,527 |
| Credit loss provision to net charge-offs | 54.4185% | 5,310 |
| Earnings coverage of net charge-offs (x) | 2.5455% | 3,942 |
| Efficiency ratio | 58.4438% | 5,996 |
| Assets per employee ($millions) | 5.3370% | 1,797 |
| Cash dividends to net income (ytd only)* | 84.7166% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8163% | 2,821 |
| Loan loss allowance to noncurrent loans | 465.9864% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 4,619 |
| Noncurrent loans to loans | 0.3898% | 5,932 |
| Net loans and leases to total assets | 67.4557% | 2,499 |
| Net loans and leases to deposits | 78.6201% | 2,741 |
| Net loans and leases to core deposits | 84.3139% | 2,850 |
| Total domestic deposits to total assets | 85.7996% | 3,429 |
| Equity capital to assets | 12.6208% | 1,728 |
| Core capital (leverage) ratio | 12.1166% | 1,527 |
| Tier 1 risk-based capital ratio | 16.2582% | 2,926 |
| Total risk-based capital ratio | 17.5138% | 2,888 |
| Memoranda: | ||
| Average total assets | $371,907,800 | 1,754 |
| Average earning assets | $352,661,200 | 1,682 |
| Average equity | $47,022,800 | 1,444 |
| Average total loans | $274,375,800 | 1,543 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 1,250 |
| Cost of funding earning assets | 0.5087% | 6,665 |
| Net interest margin | 4.9898% | 422 |
| Noninterest income to average assets | 0.4743% | 4,092 |
| Noninterest expense to average assets | 2.9893% | 3,590 |
| Loan and lease loss provision to assets | 0.6055% | 1,623 |
| Net operating income to assets | 1.6080% | 761 |
| Return on assets (ROA) | 1.6351% | 794 |
| Pretax return on assets | 1.6369% | 1,288 |
| Return on Equity (ROE) | 12.9260% | 1,300 |
| Retained earnings to average equity (ytd only) | -0.5116% | 6,072 |
| Net charge-offs to loans | 1.5246% | 953 |
| Credit loss provision to net charge-offs | 52.8892% | 4,976 |
| Earnings coverage of net charge-offs (x) | 1.9350% | 4,200 |
| Efficiency ratio | 57.4356% | 6,091 |
| Assets per employee ($millions) | 5.4613% | 1,641 |
| Cash dividends to net income (ytd only)* | 103.9575% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 3,087 |
| Loan loss allowance to noncurrent loans | 266.0260% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 4,363 |
| Noncurrent loans to loans | 0.6598% | 5,567 |
| Net loans and leases to total assets | 67.9335% | 2,500 |
| Net loans and leases to deposits | 78.5595% | 2,878 |
| Net loans and leases to core deposits | 84.0434% | 3,064 |
| Total domestic deposits to total assets | 86.4741% | 2,947 |
| Equity capital to assets | 12.2114% | 2,087 |
| Core capital (leverage) ratio | 11.9998% | 1,708 |
| Tier 1 risk-based capital ratio | 15.6613% | 3,301 |
| Total risk-based capital ratio | 16.9160% | 3,266 |
| Memoranda: | ||
| Average total assets | $368,818,750 | 1,767 |
| Average earning assets | $349,641,000 | 1,705 |
| Average equity | $46,654,250 | 1,461 |
| Average total loans | $276,969,000 | 1,550 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 995 |
| Cost of funding earning assets | 0.5410% | 6,697 |
| Net interest margin | 5.0975% | 334 |
| Noninterest income to average assets | 0.4353% | 4,382 |
| Noninterest expense to average assets | 3.1045% | 3,235 |
| Loan and lease loss provision to assets | 0.7310% | 1,277 |
| Net operating income to assets | 1.4311% | 1,019 |
| Return on assets (ROA) | 1.4725% | 998 |
| Pretax return on assets | 1.4753% | 1,599 |
| Return on Equity (ROE) | 11.4988% | 1,640 |
| Retained earnings to average equity (ytd only) | -3.8171% | 6,456 |
| Net charge-offs to loans | 0.7931% | 1,919 |
| Credit loss provision to net charge-offs | 119.3694% | 2,567 |
| Earnings coverage of net charge-offs (x) | 3.5351% | 3,143 |
| Efficiency ratio | 58.9153% | 6,042 |
| Assets per employee ($millions) | 5.1549% | 1,929 |
| Cash dividends to net income (ytd only)* | 133.1960% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3375% | 1,682 |
| Loan loss allowance to noncurrent loans | 63.2134% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 3.5820% | 1,829 |
| Noncurrent loans to loans | 3.6978% | 1,900 |
| Net loans and leases to total assets | 73.2088% | 1,552 |
| Net loans and leases to deposits | 85.1534% | 1,922 |
| Net loans and leases to core deposits | 91.0002% | 2,256 |
| Total domestic deposits to total assets | 85.9728% | 3,341 |
| Equity capital to assets | 12.6143% | 1,727 |
| Core capital (leverage) ratio | 12.1716% | 1,519 |
| Tier 1 risk-based capital ratio | 15.4751% | 3,258 |
| Total risk-based capital ratio | 16.7374% | 3,197 |
| Memoranda: | ||
| Average total assets | $362,508,000 | 1,805 |
| Average earning assets | $343,779,670 | 1,744 |
| Average equity | $46,422,330 | 1,455 |
| Average total loans | $279,919,000 | 1,549 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7974% | 741 |
| Cost of funding earning assets | 0.5747% | 6,713 |
| Net interest margin | 5.2227% | 246 |
| Noninterest income to average assets | 0.1918% | 6,351 |
| Noninterest expense to average assets | 3.0757% | 3,357 |
| Loan and lease loss provision to assets | 1.0810% | 683 |
| Net operating income to assets | 0.9968% | 2,193 |
| Return on assets (ROA) | 0.9946% | 2,249 |
| Pretax return on assets | 1.0001% | 3,130 |
| Return on Equity (ROE) | 7.7079% | 3,042 |
| Retained earnings to average equity (ytd only) | 5.5167% | 2,903 |
| Net charge-offs to loans | 1.0753% | 1,278 |
| Credit loss provision to net charge-offs | 128.2895% | 2,155 |
| Earnings coverage of net charge-offs (x) | 2.4724% | 3,095 |
| Efficiency ratio | 59.6175% | 6,041 |
| Assets per employee ($millions) | 4.9768% | 2,201 |
| Cash dividends to net income (ytd only)* | 28.4281% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2951% | 1,771 |
| Loan loss allowance to noncurrent loans | 152.1110% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 1.9981% | 3,319 |
| Noncurrent loans to loans | 1.5088% | 4,211 |
| Net loans and leases to total assets | 75.1477% | 1,152 |
| Net loans and leases to deposits | 88.2221% | 1,439 |
| Net loans and leases to core deposits | 94.0225% | 1,878 |
| Total domestic deposits to total assets | 85.1801% | 3,959 |
| Equity capital to assets | 12.9382% | 1,407 |
| Core capital (leverage) ratio | 12.7879% | 1,201 |
| Tier 1 risk-based capital ratio | 15.8896% | 2,959 |
| Total risk-based capital ratio | 17.1516% | 2,927 |
| Memoranda: | ||
| Average total assets | $360,763,500 | 1,824 |
| Average earning assets | $343,118,500 | 1,757 |
| Average equity | $46,549,500 | 1,443 |
| Average total loans | $282,701,000 | 1,552 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9702% | 905 |
| Cost of funding earning assets | 0.7212% | 6,820 |
| Net interest margin | 5.2490% | 260 |
| Noninterest income to average assets | 0.3420% | 5,348 |
| Noninterest expense to average assets | 3.2988% | 2,742 |
| Loan and lease loss provision to assets | 0.5088% | 3,121 |
| Net operating income to assets | 1.5116% | 742 |
| Return on assets (ROA) | 1.5116% | 803 |
| Pretax return on assets | 1.5130% | 1,338 |
| Return on Equity (ROE) | 11.8331% | 1,355 |
| Retained earnings to average equity (ytd only) | 5.5647% | 2,080 |
| Net charge-offs to loans | 0.3310% | 4,354 |
| Credit loss provision to net charge-offs | 186.1427% | 1,758 |
| Earnings coverage of net charge-offs (x) | 7.3971% | 2,140 |
| Efficiency ratio | 62.0006% | 5,732 |
| Assets per employee ($millions) | 5.0454% | 2,089 |
| Cash dividends to net income (ytd only)* | 52.9731% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 1,928 |
| Loan loss allowance to noncurrent loans | 108.0732% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 2.3675% | 2,900 |
| Noncurrent loans to loans | 2.0054% | 3,555 |
| Net loans and leases to total assets | 78.1011% | 932 |
| Net loans and leases to deposits | 93.2957% | 1,117 |
| Net loans and leases to core deposits | 99.1193% | 1,690 |
| Total domestic deposits to total assets | 83.7135% | 4,499 |
| Equity capital to assets | 12.8674% | 1,456 |
| Core capital (leverage) ratio | 12.6521% | 1,256 |
| Tier 1 risk-based capital ratio | 15.5127% | 2,990 |
| Total risk-based capital ratio | 16.7735% | 2,951 |
| Memoranda: | ||
| Average total assets | $353,790,000 | 1,846 |
| Average earning assets | $335,566,600 | 1,776 |
| Average equity | $45,195,400 | 1,481 |
| Average total loans | $292,142,400 | 1,532 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9609% | 1,009 |
| Cost of funding earning assets | 0.7486% | 6,917 |
| Net interest margin | 5.2123% | 286 |
| Noninterest income to average assets | 0.4325% | 4,696 |
| Noninterest expense to average assets | 3.3639% | 2,387 |
| Loan and lease loss provision to assets | 0.5671% | 2,671 |
| Net operating income to assets | 1.4328% | 1,054 |
| Return on assets (ROA) | 1.4328% | 1,119 |
| Pretax return on assets | 1.4347% | 1,786 |
| Return on Equity (ROE) | 11.2367% | 1,716 |
| Retained earnings to average equity (ytd only) | 6.9851% | 1,858 |
| Net charge-offs to loans | 0.3355% | 3,975 |
| Credit loss provision to net charge-offs | 202.9770% | 1,753 |
| Earnings coverage of net charge-offs (x) | 7.1651% | 2,378 |
| Efficiency ratio | 62.6929% | 5,484 |
| Assets per employee ($millions) | 4.9261% | 2,282 |
| Cash dividends to net income (ytd only)* | 37.8363% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 2,046 |
| Loan loss allowance to noncurrent loans | 77.3778% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 3.0379% | 2,389 |
| Noncurrent loans to loans | 2.6895% | 2,943 |
| Net loans and leases to total assets | 79.0733% | 873 |
| Net loans and leases to deposits | 94.0579% | 1,194 |
| Net loans and leases to core deposits | 98.9197% | 1,944 |
| Total domestic deposits to total assets | 84.0688% | 4,086 |
| Equity capital to assets | 12.8330% | 1,662 |
| Core capital (leverage) ratio | 12.6006% | 1,367 |
| Tier 1 risk-based capital ratio | 14.9513% | 3,274 |
| Total risk-based capital ratio | 16.2108% | 3,257 |
| Memoranda: | ||
| Average total assets | $352,681,500 | 1,879 |
| Average earning assets | $333,789,000 | 1,812 |
| Average equity | $44,970,750 | 1,494 |
| Average total loans | $293,684,250 | 1,541 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0232% | 896 |
| Cost of funding earning assets | 0.7697% | 7,006 |
| Net interest margin | 5.2535% | 265 |
| Noninterest income to average assets | 0.4210% | 4,743 |
| Noninterest expense to average assets | 3.4674% | 2,106 |
| Loan and lease loss provision to assets | 0.6022% | 2,381 |
| Net operating income to assets | 1.3122% | 1,275 |
| Return on assets (ROA) | 1.3122% | 1,347 |
| Pretax return on assets | 1.3150% | 2,039 |
| Return on Equity (ROE) | 10.3138% | 1,989 |
| Retained earnings to average equity (ytd only) | 5.9097% | 2,381 |
| Net charge-offs to loans | 0.3251% | 3,699 |
| Credit loss provision to net charge-offs | 220.1258% | 1,770 |
| Earnings coverage of net charge-offs (x) | 7.0084% | 2,374 |
| Efficiency ratio | 64.3945% | 5,259 |
| Assets per employee ($millions) | 5.0848% | 2,074 |
| Cash dividends to net income (ytd only)* | 42.7010% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 2,096 |
| Loan loss allowance to noncurrent loans | 88.2318% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 2.6078% | 2,776 |
| Noncurrent loans to loans | 2.3111% | 3,356 |
| Net loans and leases to total assets | 80.1453% | 772 |
| Net loans and leases to deposits | 95.2051% | 1,125 |
| Net loans and leases to core deposits | 99.7573% | 2,046 |
| Total domestic deposits to total assets | 84.1817% | 4,023 |
| Equity capital to assets | 12.6807% | 1,694 |
| Core capital (leverage) ratio | 12.7735% | 1,295 |
| Tier 1 risk-based capital ratio | 14.1547% | 3,631 |
| Total risk-based capital ratio | 15.4127% | 3,585 |
| Memoranda: | ||
| Average total assets | $348,732,000 | 1,918 |
| Average earning assets | $329,491,670 | 1,853 |
| Average equity | $44,367,670 | 1,504 |
| Average total loans | $293,455,000 | 1,555 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9954% | 990 |
| Cost of funding earning assets | 0.7973% | 7,098 |
| Net interest margin | 5.1982% | 291 |
| Noninterest income to average assets | 0.4682% | 4,315 |
| Noninterest expense to average assets | 3.5071% | 1,962 |
| Loan and lease loss provision to assets | 0.6085% | 2,093 |
| Net operating income to assets | 1.2645% | 1,376 |
| Return on assets (ROA) | 1.2645% | 1,448 |
| Pretax return on assets | 1.2645% | 2,156 |
| Return on Equity (ROE) | 9.9218% | 2,129 |
| Retained earnings to average equity (ytd only) | 5.1928% | 3,047 |
| Net charge-offs to loans | 0.3924% | 2,866 |
| Credit loss provision to net charge-offs | 181.6609% | 2,020 |
| Earnings coverage of net charge-offs (x) | 5.5917% | 2,367 |
| Efficiency ratio | 65.1874% | 5,278 |
| Assets per employee ($millions) | 4.9751% | 2,262 |
| Cash dividends to net income (ytd only)* | 47.6627% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9046% | 2,426 |
| Loan loss allowance to noncurrent loans | 139.2937% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.9666% | 3,539 |
| Noncurrent loans to loans | 1.3673% | 4,690 |
| Net loans and leases to total assets | 84.0333% | 369 |
| Net loans and leases to deposits | 101.8540% | 649 |
| Net loans and leases to core deposits | 106.8344% | 1,502 |
| Total domestic deposits to total assets | 82.5036% | 4,851 |
| Equity capital to assets | 12.9220% | 1,556 |
| Core capital (leverage) ratio | 12.6495% | 1,345 |
| Tier 1 risk-based capital ratio | 12.6916% | 4,570 |
| Total risk-based capital ratio | 13.9464% | 4,526 |
| Memoranda: | ||
| Average total assets | $345,130,000 | 1,986 |
| Average earning assets | $326,114,000 | 1,917 |
| Average equity | $43,984,000 | 1,526 |
| Average total loans | $294,580,500 | 1,598 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 1,051 |
| Cost of funding earning assets | 1.0411% | 7,117 |
| Net interest margin | 5.2472% | 266 |
| Noninterest income to average assets | 0.3667% | 5,466 |
| Noninterest expense to average assets | 3.3284% | 2,912 |
| Loan and lease loss provision to assets | 0.7035% | 3,010 |
| Net operating income to assets | 1.2343% | 1,166 |
| Return on assets (ROA) | 1.2343% | 1,221 |
| Pretax return on assets | 1.2358% | 1,857 |
| Return on Equity (ROE) | 10.0236% | 1,684 |
| Retained earnings to average equity (ytd only) | 6.0188% | 1,336 |
| Net charge-offs to loans | 0.3294% | 4,587 |
| Credit loss provision to net charge-offs | 249.4856% | 1,421 |
| Earnings coverage of net charge-offs (x) | 6.8776% | 2,271 |
| Efficiency ratio | 63.1863% | 5,930 |
| Assets per employee ($millions) | 4.8870% | 2,355 |
| Cash dividends to net income (ytd only)* | 39.9530% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 2,486 |
| Loan loss allowance to noncurrent loans | 137.8115% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 2.2019% | 3,125 |
| Noncurrent loans to loans | 1.3193% | 4,717 |
| Net loans and leases to total assets | 83.4992% | 488 |
| Net loans and leases to deposits | 104.4340% | 629 |
| Net loans and leases to core deposits | 113.9242% | 2,504 |
| Total domestic deposits to total assets | 79.9540% | 5,679 |
| Equity capital to assets | 12.5683% | 1,715 |
| Core capital (leverage) ratio | 12.3138% | 1,522 |
| Tier 1 risk-based capital ratio | 12.4207% | 4,576 |
| Total risk-based capital ratio | 13.6744% | 4,532 |
| Memoranda: | ||
| Average total assets | $344,727,600 | 1,980 |
| Average earning assets | $321,980,000 | 1,934 |
| Average equity | $42,450,000 | 1,574 |
| Average total loans | $295,111,600 | 1,628 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3026% | 1,134 |
| Cost of funding earning assets | 1.0771% | 7,226 |
| Net interest margin | 5.2255% | 290 |
| Noninterest income to average assets | 0.3490% | 5,707 |
| Noninterest expense to average assets | 3.3487% | 2,731 |
| Loan and lease loss provision to assets | 0.5036% | 3,375 |
| Net operating income to assets | 1.3644% | 1,093 |
| Return on assets (ROA) | 1.3644% | 1,152 |
| Pretax return on assets | 1.3664% | 1,779 |
| Return on Equity (ROE) | 11.1382% | 1,580 |
| Retained earnings to average equity (ytd only) | 7.3432% | 1,378 |
| Net charge-offs to loans | 0.3420% | 3,927 |
| Credit loss provision to net charge-offs | 171.7305% | 2,707 |
| Earnings coverage of net charge-offs (x) | 6.3765% | 2,619 |
| Efficiency ratio | 64.1675% | 5,718 |
| Assets per employee ($millions) | 4.8153% | 2,374 |
| Cash dividends to net income (ytd only)* | 34.0716% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 3,391 |
| Loan loss allowance to noncurrent loans | 118.2011% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 2.0838% | 3,231 |
| Noncurrent loans to loans | 1.2762% | 4,807 |
| Net loans and leases to total assets | 82.7511% | 704 |
| Net loans and leases to deposits | 105.2901% | 692 |
| Net loans and leases to core deposits | 114.8172% | 2,749 |
| Total domestic deposits to total assets | 78.5935% | 5,931 |
| Equity capital to assets | 12.4286% | 1,993 |
| Core capital (leverage) ratio | 12.1199% | 1,749 |
| Tier 1 risk-based capital ratio | 12.4351% | 4,602 |
| Total risk-based capital ratio | 13.6857% | 4,549 |
| Memoranda: | ||
| Average total assets | $344,165,250 | 1,996 |
| Average earning assets | $320,726,250 | 1,955 |
| Average equity | $42,160,250 | 1,601 |
| Average total loans | $295,117,500 | 1,646 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3506% | 1,093 |
| Cost of funding earning assets | 1.1081% | 7,363 |
| Net interest margin | 5.2425% | 275 |
| Noninterest income to average assets | 0.4477% | 4,870 |
| Noninterest expense to average assets | 3.5140% | 2,296 |
| Loan and lease loss provision to assets | 0.4097% | 3,475 |
| Net operating income to assets | 1.4000% | 1,031 |
| Return on assets (ROA) | 1.4000% | 1,097 |
| Pretax return on assets | 1.4029% | 1,717 |
| Return on Equity (ROE) | 11.4860% | 1,564 |
| Retained earnings to average equity (ytd only) | 8.6049% | 1,037 |
| Net charge-offs to loans | 0.2522% | 3,943 |
| Credit loss provision to net charge-offs | 188.1720% | 2,428 |
| Earnings coverage of net charge-offs (x) | 8.3253% | 2,277 |
| Efficiency ratio | 65.9708% | 5,551 |
| Assets per employee ($millions) | 4.7778% | 2,356 |
| Cash dividends to net income (ytd only)* | 25.0836% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,589 |
| Loan loss allowance to noncurrent loans | 146.4594% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 1.6583% | 3,710 |
| Noncurrent loans to loans | 0.9747% | 5,266 |
| Net loans and leases to total assets | 83.9441% | 645 |
| Net loans and leases to deposits | 113.0381% | 445 |
| Net loans and leases to core deposits | 121.4451% | 2,249 |
| Total domestic deposits to total assets | 74.2618% | 6,915 |
| Equity capital to assets | 12.1618% | 2,118 |
| Core capital (leverage) ratio | 12.3282% | 1,681 |
| Tier 1 risk-based capital ratio | 12.1971% | 4,755 |
| Total risk-based capital ratio | 13.4289% | 4,687 |
| Memoranda: | ||
| Average total assets | $341,714,000 | 2,028 |
| Average earning assets | $318,016,000 | 2,001 |
| Average equity | $41,650,670 | 1,633 |
| Average total loans | $295,043,000 | 1,680 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3001% | 1,298 |
| Cost of funding earning assets | 1.1712% | 7,363 |
| Net interest margin | 5.1289% | 318 |
| Noninterest income to average assets | 0.4175% | 5,076 |
| Noninterest expense to average assets | 3.5259% | 2,039 |
| Loan and lease loss provision to assets | 0.3548% | 3,190 |
| Net operating income to assets | 1.3117% | 1,351 |
| Return on assets (ROA) | 1.3117% | 1,451 |
| Pretax return on assets | 1.3176% | 2,216 |
| Return on Equity (ROE) | 10.7495% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.7495% | 1,018 |
| Net charge-offs to loans | 0.4530% | 2,323 |
| Credit loss provision to net charge-offs | 90.0901% | 4,000 |
| Earnings coverage of net charge-offs (x) | 4.2462% | 2,931 |
| Efficiency ratio | 67.8271% | 4,995 |
| Assets per employee ($millions) | 4.7574% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 3,962 |
| Loan loss allowance to noncurrent loans | 231.1681% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 4,062 |
| Noncurrent loans to loans | 0.5709% | 5,984 |
| Net loans and leases to total assets | 85.8723% | 463 |
| Net loans and leases to deposits | 114.3848% | 432 |
| Net loans and leases to core deposits | 122.5457% | 2,203 |
| Total domestic deposits to total assets | 75.0732% | 6,700 |
| Equity capital to assets | 12.4117% | 2,024 |
| Core capital (leverage) ratio | 12.2624% | 1,779 |
| Tier 1 risk-based capital ratio | 12.1690% | 4,813 |
| Total risk-based capital ratio | 13.3119% | 4,803 |
| Memoranda: | ||
| Average total assets | $338,180,500 | 2,058 |
| Average earning assets | $315,232,500 | 2,029 |
| Average equity | $41,267,000 | 1,647 |
| Average total loans | $294,054,000 | 1,694 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7741% | 1,772 |
| Cost of funding earning assets | 1.7177% | 7,219 |
| Net interest margin | 5.0564% | 447 |
| Noninterest income to average assets | 0.6544% | 3,438 |
| Noninterest expense to average assets | 3.4323% | 2,571 |
| Loan and lease loss provision to assets | 0.5226% | 2,721 |
| Net operating income to assets | 1.3884% | 1,254 |
| Return on assets (ROA) | 1.3884% | 1,203 |
| Pretax return on assets | 1.3898% | 2,001 |
| Return on Equity (ROE) | 11.9190% | 1,621 |
| Retained earnings to average equity (ytd only) | 1.1216% | 4,560 |
| Net charge-offs to loans | 0.5014% | 2,359 |
| Credit loss provision to net charge-offs | 121.2938% | 4,423 |
| Earnings coverage of net charge-offs (x) | 4.4387% | 3,985 |
| Efficiency ratio | 64.2186% | 5,514 |
| Assets per employee ($millions) | 4.7688% | 2,216 |
| Cash dividends to net income (ytd only)* | 90.5897% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,593 |
| Loan loss allowance to noncurrent loans | 215.5372% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 3,378 |
| Noncurrent loans to loans | 0.6170% | 5,515 |
| Net loans and leases to total assets | 85.7276% | 635 |
| Net loans and leases to deposits | 114.3224% | 598 |
| Net loans and leases to core deposits | 120.3864% | 2,649 |
| Total domestic deposits to total assets | 74.9876% | 6,456 |
| Equity capital to assets | 11.9941% | 2,296 |
| Core capital (leverage) ratio | 11.8600% | 2,048 |
| Tier 1 risk-based capital ratio | 11.8205% | 4,967 |
| Total risk-based capital ratio | 12.9710% | 4,945 |
| Memoranda: | ||
| Average total assets | $344,434,400 | 1,931 |
| Average earning assets | $319,497,400 | 1,906 |
| Average equity | $40,120,800 | 1,674 |
| Average total loans | $295,987,800 | 1,632 |