Home > Western National Bank > Performance and Condition Ratios
Western National Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4920% | 6,551 |
| Cost of funding earning assets | 0.1474% | 6,367 |
| Net interest margin | 2.3446% | 6,453 |
| Noninterest income to average assets | 0.2426% | 5,416 |
| Noninterest expense to average assets | 1.4284% | 6,544 |
| Loan and lease loss provision to assets | -0.3469% | 6,632 |
| Net operating income to assets | 1.3654% | 1,066 |
| Return on assets (ROA) | 1.3654% | 1,111 |
| Pretax return on assets | 1.3654% | 1,869 |
| Return on Equity (ROE) | 19.7249% | 309 |
| Retained earnings to average equity (ytd only) | -61.1494% | 6,688 |
| Net charge-offs to loans | -0.0069% | 4,916 |
| Credit loss provision to net charge-offs | 10,700.0000% | 21 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3747% | 5,611 |
| Assets per employee ($millions) | 9.3583% | 304 |
| Cash dividends to net income (ytd only)* | 410.0119% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 5,628 |
| Loan loss allowance to noncurrent loans | 63.7698% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 3,987 |
| Noncurrent loans to loans | 1.5248% | 2,515 |
| Net loans and leases to total assets | 46.0685% | 5,329 |
| Net loans and leases to deposits | 50.0790% | 5,595 |
| Net loans and leases to core deposits | 61.1974% | 4,946 |
| Total domestic deposits to total assets | 91.9916% | 242 |
| Equity capital to assets | 6.4842% | 6,524 |
| Core capital (leverage) ratio | 6.5770% | 6,532 |
| Tier 1 risk-based capital ratio | 12.7956% | 5,125 |
| Total risk-based capital ratio | 13.7680% | 5,238 |
| Memoranda: | ||
| Average total assets | $1,480,561,000 | 467 |
| Average earning assets | $1,391,962,500 | 451 |
| Average equity | $102,490,000 | 710 |
| Average total loans | $691,266,000 | 627 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0886% | 6,255 |
| Cost of funding earning assets | 0.1815% | 6,380 |
| Net interest margin | 2.9071% | 5,775 |
| Noninterest income to average assets | 0.3011% | 5,193 |
| Noninterest expense to average assets | 1.5150% | 6,567 |
| Loan and lease loss provision to assets | -0.5379% | 6,752 |
| Net operating income to assets | 2.0614% | 304 |
| Return on assets (ROA) | 0.4037% | 5,244 |
| Pretax return on assets | 0.4037% | 5,488 |
| Return on Equity (ROE) | 5.1812% | 4,547 |
| Retained earnings to average equity (ytd only) | -5.4090% | 6,391 |
| Net charge-offs to loans | -0.8952% | 6,756 |
| Credit loss provision to net charge-offs | 131.4768% | 1,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8602% | 6,404 |
| Assets per employee ($millions) | 9.2668% | 300 |
| Cash dividends to net income (ytd only)* | 204.3962% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,053 |
| Loan loss allowance to noncurrent loans | 69.6375% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 3,999 |
| Noncurrent loans to loans | 1.6080% | 2,498 |
| Net loans and leases to total assets | 46.3288% | 5,460 |
| Net loans and leases to deposits | 50.6040% | 5,724 |
| Net loans and leases to core deposits | 61.8605% | 5,075 |
| Total domestic deposits to total assets | 91.5515% | 388 |
| Equity capital to assets | 7.3485% | 6,345 |
| Core capital (leverage) ratio | 7.3005% | 6,445 |
| Tier 1 risk-based capital ratio | 14.6569% | 3,863 |
| Total risk-based capital ratio | 15.7770% | 3,871 |
| Memoranda: | ||
| Average total assets | $1,448,169,000 | 465 |
| Average earning assets | $1,363,680,000 | 451 |
| Average equity | $112,831,400 | 625 |
| Average total loans | $661,850,400 | 635 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 6,098 |
| Cost of funding earning assets | 0.1896% | 6,450 |
| Net interest margin | 3.0858% | 5,358 |
| Noninterest income to average assets | 0.3056% | 5,260 |
| Noninterest expense to average assets | 1.5379% | 6,610 |
| Loan and lease loss provision to assets | -0.5590% | 6,840 |
| Net operating income to assets | 2.2277% | 247 |
| Return on assets (ROA) | -0.0005% | 6,346 |
| Pretax return on assets | -0.0005% | 6,324 |
| Return on Equity (ROE) | -0.0059% | 6,347 |
| Retained earnings to average equity (ytd only) | -13.5116% | 6,689 |
| Net charge-offs to loans | -1.0039% | 6,831 |
| Credit loss provision to net charge-offs | 122.6504% | 1,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9600% | 6,508 |
| Assets per employee ($millions) | 9.5040% | 269 |
| Cash dividends to net income (ytd only)* | -229,739.4303% | 6,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,268 |
| Loan loss allowance to noncurrent loans | 73.4906% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 4,188 |
| Noncurrent loans to loans | 1.8034% | 2,492 |
| Net loans and leases to total assets | 41.9915% | 5,904 |
| Net loans and leases to deposits | 46.2755% | 6,078 |
| Net loans and leases to core deposits | 56.8682% | 5,541 |
| Total domestic deposits to total assets | 90.7425% | 637 |
| Equity capital to assets | 6.8494% | 6,584 |
| Core capital (leverage) ratio | 7.3031% | 6,510 |
| Tier 1 risk-based capital ratio | 14.8876% | 3,821 |
| Total risk-based capital ratio | 16.1383% | 3,773 |
| Memoranda: | ||
| Average total assets | $1,434,906,250 | 471 |
| Average earning assets | $1,348,989,250 | 455 |
| Average equity | $113,460,000 | 626 |
| Average total loans | $651,469,750 | 646 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 5,786 |
| Cost of funding earning assets | 0.1997% | 6,470 |
| Net interest margin | 3.2533% | 4,759 |
| Noninterest income to average assets | 0.3268% | 5,081 |
| Noninterest expense to average assets | 1.5553% | 6,633 |
| Loan and lease loss provision to assets | -0.2968% | 6,831 |
| Net operating income to assets | 2.1256% | 296 |
| Return on assets (ROA) | 2.1345% | 309 |
| Pretax return on assets | 2.1345% | 478 |
| Return on Equity (ROE) | 25.7425% | 115 |
| Retained earnings to average equity (ytd only) | 7.6411% | 1,616 |
| Net charge-offs to loans | -0.4276% | 6,810 |
| Credit loss provision to net charge-offs | 149.4616% | 1,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9588% | 6,639 |
| Assets per employee ($millions) | 8.0032% | 463 |
| Cash dividends to net income (ytd only)* | 70.3172% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,130 |
| Loan loss allowance to noncurrent loans | 248.7497% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 5,715 |
| Noncurrent loans to loans | 0.5546% | 4,874 |
| Net loans and leases to total assets | 45.6831% | 5,569 |
| Net loans and leases to deposits | 52.1140% | 5,680 |
| Net loans and leases to core deposits | 64.6517% | 4,828 |
| Total domestic deposits to total assets | 87.6599% | 2,462 |
| Equity capital to assets | 7.4593% | 6,457 |
| Core capital (leverage) ratio | 8.5748% | 5,583 |
| Tier 1 risk-based capital ratio | 14.4861% | 4,104 |
| Total risk-based capital ratio | 15.6383% | 4,127 |
| Memoranda: | ||
| Average total assets | $1,403,158,670 | 481 |
| Average earning assets | $1,318,675,000 | 467 |
| Average equity | $116,344,670 | 619 |
| Average total loans | $651,572,000 | 646 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4548% | 5,822 |
| Cost of funding earning assets | 0.2013% | 6,565 |
| Net interest margin | 3.2535% | 4,718 |
| Noninterest income to average assets | 0.3979% | 4,472 |
| Noninterest expense to average assets | 1.6264% | 6,649 |
| Loan and lease loss provision to assets | -0.0771% | 6,819 |
| Net operating income to assets | 1.9085% | 397 |
| Return on assets (ROA) | 1.9085% | 433 |
| Pretax return on assets | 1.9085% | 720 |
| Return on Equity (ROE) | 21.9025% | 204 |
| Retained earnings to average equity (ytd only) | 6.1832% | 2,582 |
| Net charge-offs to loans | -0.0357% | 5,977 |
| Credit loss provision to net charge-offs | 463.7931% | 571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0345% | 6,650 |
| Assets per employee ($millions) | 8.0269% | 483 |
| Cash dividends to net income (ytd only)* | 71.7695% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 3,995 |
| Loan loss allowance to noncurrent loans | 244.1712% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 5,723 |
| Noncurrent loans to loans | 0.5963% | 4,945 |
| Net loans and leases to total assets | 46.1799% | 5,421 |
| Net loans and leases to deposits | 52.7338% | 5,548 |
| Net loans and leases to core deposits | 65.7123% | 4,564 |
| Total domestic deposits to total assets | 87.5717% | 2,587 |
| Equity capital to assets | 8.6646% | 5,848 |
| Core capital (leverage) ratio | 8.5462% | 5,514 |
| Tier 1 risk-based capital ratio | 14.3967% | 4,244 |
| Total risk-based capital ratio | 15.6260% | 4,223 |
| Memoranda: | ||
| Average total assets | $1,396,456,500 | 484 |
| Average earning assets | $1,313,418,000 | 472 |
| Average equity | $121,684,500 | 598 |
| Average total loans | $649,267,000 | 645 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 5,460 |
| Cost of funding earning assets | 0.2748% | 6,568 |
| Net interest margin | 3.6690% | 3,785 |
| Noninterest income to average assets | 1.2215% | 1,046 |
| Noninterest expense to average assets | 1.7727% | 6,654 |
| Loan and lease loss provision to assets | 0.2395% | 2,734 |
| Net operating income to assets | 2.6271% | 131 |
| Return on assets (ROA) | 2.3385% | 213 |
| Pretax return on assets | 2.3385% | 318 |
| Return on Equity (ROE) | 25.7434% | 109 |
| Retained earnings to average equity (ytd only) | 13.6833% | 215 |
| Net charge-offs to loans | 0.4657% | 2,373 |
| Credit loss provision to net charge-offs | 100.0333% | 3,031 |
| Earnings coverage of net charge-offs (x) | 11.9721% | 1,980 |
| Efficiency ratio | 38.2095% | 6,964 |
| Assets per employee ($millions) | 8.0707% | 484 |
| Cash dividends to net income (ytd only)* | 46.8474% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 3,698 |
| Loan loss allowance to noncurrent loans | 135.2165% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 5,184 |
| Noncurrent loans to loans | 1.1186% | 3,975 |
| Net loans and leases to total assets | 45.4278% | 5,678 |
| Net loans and leases to deposits | 51.0560% | 5,880 |
| Net loans and leases to core deposits | 59.8602% | 5,375 |
| Total domestic deposits to total assets | 88.9764% | 1,577 |
| Equity capital to assets | 8.7631% | 5,778 |
| Core capital (leverage) ratio | 8.8824% | 5,058 |
| Tier 1 risk-based capital ratio | 14.7743% | 3,853 |
| Total risk-based capital ratio | 16.0250% | 3,802 |
| Memoranda: | ||
| Average total assets | $1,255,391,000 | 524 |
| Average earning assets | $1,169,437,200 | 508 |
| Average equity | $114,037,200 | 631 |
| Average total loans | $645,543,400 | 643 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 5,286 |
| Cost of funding earning assets | 0.2914% | 6,652 |
| Net interest margin | 3.7809% | 3,416 |
| Noninterest income to average assets | 1.5371% | 626 |
| Noninterest expense to average assets | 1.8151% | 6,662 |
| Loan and lease loss provision to assets | 0.3704% | 1,752 |
| Net operating income to assets | 2.8737% | 114 |
| Return on assets (ROA) | 2.3474% | 243 |
| Pretax return on assets | 2.3474% | 374 |
| Return on Equity (ROE) | 25.5827% | 131 |
| Retained earnings to average equity (ytd only) | 10.4882% | 789 |
| Net charge-offs to loans | 0.6269% | 1,754 |
| Credit loss provision to net charge-offs | 111.6233% | 2,624 |
| Earnings coverage of net charge-offs (x) | 9.7758% | 2,272 |
| Efficiency ratio | 35.8769% | 7,074 |
| Assets per employee ($millions) | 7.3306% | 631 |
| Cash dividends to net income (ytd only)* | 59.0029% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 3,997 |
| Loan loss allowance to noncurrent loans | 126.9879% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 4,717 |
| Noncurrent loans to loans | 1.1731% | 4,102 |
| Net loans and leases to total assets | 53.2417% | 4,867 |
| Net loans and leases to deposits | 61.3159% | 5,040 |
| Net loans and leases to core deposits | 75.5633% | 3,782 |
| Total domestic deposits to total assets | 86.8318% | 2,781 |
| Equity capital to assets | 9.4607% | 5,253 |
| Core capital (leverage) ratio | 8.8924% | 5,204 |
| Tier 1 risk-based capital ratio | 13.6565% | 4,780 |
| Total risk-based capital ratio | 14.9075% | 4,733 |
| Memoranda: | ||
| Average total assets | $1,220,179,750 | 541 |
| Average earning assets | $1,136,655,750 | 529 |
| Average equity | $111,958,250 | 638 |
| Average total loans | $645,924,250 | 644 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 5,730 |
| Cost of funding earning assets | 0.3085% | 6,701 |
| Net interest margin | 3.6618% | 3,984 |
| Noninterest income to average assets | 2.1554% | 361 |
| Noninterest expense to average assets | 1.7786% | 6,775 |
| Loan and lease loss provision to assets | 0.5675% | 1,073 |
| Net operating income to assets | 3.2104% | 91 |
| Return on assets (ROA) | 2.4323% | 222 |
| Pretax return on assets | 2.4323% | 329 |
| Return on Equity (ROE) | 26.7963% | 121 |
| Retained earnings to average equity (ytd only) | 9.2723% | 1,185 |
| Net charge-offs to loans | 0.9597% | 1,154 |
| Credit loss provision to net charge-offs | 112.5287% | 2,421 |
| Earnings coverage of net charge-offs (x) | 7.4907% | 2,472 |
| Efficiency ratio | 32.0086% | 7,161 |
| Assets per employee ($millions) | 6.9722% | 737 |
| Cash dividends to net income (ytd only)* | 65.3972% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 4,093 |
| Loan loss allowance to noncurrent loans | 114.5411% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 4,582 |
| Noncurrent loans to loans | 1.2947% | 3,984 |
| Net loans and leases to total assets | 54.7976% | 4,663 |
| Net loans and leases to deposits | 61.9458% | 5,000 |
| Net loans and leases to core deposits | 78.2403% | 3,478 |
| Total domestic deposits to total assets | 88.4606% | 1,848 |
| Equity capital to assets | 9.2467% | 5,406 |
| Core capital (leverage) ratio | 8.6261% | 5,480 |
| Tier 1 risk-based capital ratio | 13.2463% | 5,003 |
| Total risk-based capital ratio | 14.4972% | 4,976 |
| Memoranda: | ||
| Average total assets | $1,209,062,330 | 546 |
| Average earning assets | $1,122,993,000 | 534 |
| Average equity | $109,746,670 | 646 |
| Average total loans | $635,400,670 | 657 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 5,991 |
| Cost of funding earning assets | 0.3266% | 6,743 |
| Net interest margin | 3.5857% | 4,324 |
| Noninterest income to average assets | 0.2713% | 5,706 |
| Noninterest expense to average assets | 1.7669% | 6,830 |
| Loan and lease loss provision to assets | -0.0140% | 7,108 |
| Net operating income to assets | 1.8486% | 542 |
| Return on assets (ROA) | 1.7906% | 681 |
| Pretax return on assets | 1.7906% | 1,085 |
| Return on Equity (ROE) | 19.9172% | 393 |
| Retained earnings to average equity (ytd only) | 2.5990% | 4,959 |
| Net charge-offs to loans | -0.0209% | 6,197 |
| Credit loss provision to net charge-offs | 131.2500% | 1,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0606% | 6,735 |
| Assets per employee ($millions) | 6.8685% | 808 |
| Cash dividends to net income (ytd only)* | 86.9509% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 3,882 |
| Loan loss allowance to noncurrent loans | 68.5453% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.6498% | 3,379 |
| Noncurrent loans to loans | 2.2789% | 2,822 |
| Net loans and leases to total assets | 51.0115% | 5,155 |
| Net loans and leases to deposits | 57.9632% | 5,379 |
| Net loans and leases to core deposits | 71.3408% | 4,247 |
| Total domestic deposits to total assets | 88.0066% | 2,317 |
| Equity capital to assets | 8.9725% | 5,537 |
| Core capital (leverage) ratio | 8.4711% | 5,642 |
| Tier 1 risk-based capital ratio | 12.9219% | 5,265 |
| Total risk-based capital ratio | 14.1725% | 5,243 |
| Memoranda: | ||
| Average total assets | $1,200,037,500 | 553 |
| Average earning assets | $1,114,533,500 | 542 |
| Average equity | $107,886,500 | 654 |
| Average total loans | $611,826,000 | 681 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 6,313 |
| Cost of funding earning assets | 0.4470% | 6,737 |
| Net interest margin | 3.6278% | 4,621 |
| Noninterest income to average assets | 0.4010% | 4,608 |
| Noninterest expense to average assets | 1.8225% | 6,930 |
| Loan and lease loss provision to assets | -0.0421% | 7,239 |
| Net operating income to assets | 1.9862% | 317 |
| Return on assets (ROA) | 2.0068% | 328 |
| Pretax return on assets | 2.0068% | 526 |
| Return on Equity (ROE) | 23.7250% | 142 |
| Retained earnings to average equity (ytd only) | 10.0999% | 541 |
| Net charge-offs to loans | -0.1260% | 7,160 |
| Credit loss provision to net charge-offs | 65.3280% | 5,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3860% | 6,928 |
| Assets per employee ($millions) | 7.0063% | 741 |
| Cash dividends to net income (ytd only)* | 57.4293% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 3,508 |
| Loan loss allowance to noncurrent loans | 61.7628% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.8212% | 3,225 |
| Noncurrent loans to loans | 2.6250% | 2,484 |
| Net loans and leases to total assets | 49.3311% | 5,681 |
| Net loans and leases to deposits | 56.1884% | 5,877 |
| Net loans and leases to core deposits | 67.7413% | 5,062 |
| Total domestic deposits to total assets | 87.7960% | 2,282 |
| Equity capital to assets | 9.0081% | 5,544 |
| Core capital (leverage) ratio | 8.4427% | 5,650 |
| Tier 1 risk-based capital ratio | 13.2206% | 4,895 |
| Total risk-based capital ratio | 14.4717% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,158,022,800 | 562 |
| Average earning assets | $1,074,322,000 | 544 |
| Average equity | $97,951,400 | 700 |
| Average total loans | $593,004,600 | 703 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 6,475 |
| Cost of funding earning assets | 0.4692% | 6,821 |
| Net interest margin | 3.5993% | 4,768 |
| Noninterest income to average assets | 0.4058% | 4,622 |
| Noninterest expense to average assets | 1.8171% | 6,972 |
| Loan and lease loss provision to assets | -0.0433% | 7,325 |
| Net operating income to assets | 1.9740% | 363 |
| Return on assets (ROA) | 1.9925% | 378 |
| Pretax return on assets | 1.9925% | 634 |
| Return on Equity (ROE) | 23.9625% | 166 |
| Retained earnings to average equity (ytd only) | 7.7072% | 1,623 |
| Net charge-offs to loans | -0.1651% | 7,239 |
| Credit loss provision to net charge-offs | 50.9563% | 5,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4847% | 6,929 |
| Assets per employee ($millions) | 7.5811% | 558 |
| Cash dividends to net income (ytd only)* | 67.8364% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 3,631 |
| Loan loss allowance to noncurrent loans | 54.3947% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.9416% | 3,215 |
| Noncurrent loans to loans | 2.9541% | 2,356 |
| Net loans and leases to total assets | 48.4626% | 5,902 |
| Net loans and leases to deposits | 55.3792% | 6,086 |
| Net loans and leases to core deposits | 67.5258% | 5,235 |
| Total domestic deposits to total assets | 87.5104% | 2,343 |
| Equity capital to assets | 8.4360% | 6,362 |
| Core capital (leverage) ratio | 7.9804% | 6,417 |
| Tier 1 risk-based capital ratio | 12.6145% | 5,399 |
| Total risk-based capital ratio | 13.8657% | 5,374 |
| Memoranda: | ||
| Average total assets | $1,148,007,250 | 575 |
| Average earning assets | $1,065,955,250 | 560 |
| Average equity | $95,458,000 | 722 |
| Average total loans | $591,063,500 | 715 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 6,447 |
| Cost of funding earning assets | 0.4905% | 6,874 |
| Net interest margin | 3.6301% | 4,601 |
| Noninterest income to average assets | 0.5701% | 3,334 |
| Noninterest expense to average assets | 1.8458% | 7,021 |
| Loan and lease loss provision to assets | -0.0176% | 7,377 |
| Net operating income to assets | 2.1164% | 293 |
| Return on assets (ROA) | 1.9154% | 423 |
| Pretax return on assets | 1.9154% | 683 |
| Return on Equity (ROE) | 23.1597% | 194 |
| Retained earnings to average equity (ytd only) | 6.2763% | 2,260 |
| Net charge-offs to loans | -0.0517% | 7,035 |
| Credit loss provision to net charge-offs | 64.9007% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7932% | 7,121 |
| Assets per employee ($millions) | 6.9704% | 736 |
| Cash dividends to net income (ytd only)* | 72.8999% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 3,685 |
| Loan loss allowance to noncurrent loans | 63.6194% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 3,483 |
| Noncurrent loans to loans | 2.5182% | 2,871 |
| Net loans and leases to total assets | 50.6079% | 5,739 |
| Net loans and leases to deposits | 57.1684% | 6,032 |
| Net loans and leases to core deposits | 69.4735% | 5,127 |
| Total domestic deposits to total assets | 88.5243% | 1,837 |
| Equity capital to assets | 8.4408% | 6,249 |
| Core capital (leverage) ratio | 8.4093% | 5,693 |
| Tier 1 risk-based capital ratio | 12.8756% | 5,022 |
| Total risk-based capital ratio | 14.1266% | 4,991 |
| Memoranda: | ||
| Average total assets | $1,116,243,330 | 602 |
| Average earning assets | $1,037,645,670 | 581 |
| Average equity | $92,315,670 | 743 |
| Average total loans | $583,959,670 | 734 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 6,499 |
| Cost of funding earning assets | 0.5084% | 6,944 |
| Net interest margin | 3.5917% | 4,606 |
| Noninterest income to average assets | 0.7665% | 2,179 |
| Noninterest expense to average assets | 1.9142% | 6,967 |
| Loan and lease loss provision to assets | -0.0533% | 7,472 |
| Net operating income to assets | 2.2504% | 241 |
| Return on assets (ROA) | 1.7871% | 527 |
| Pretax return on assets | 1.7871% | 837 |
| Return on Equity (ROE) | 21.8474% | 251 |
| Retained earnings to average equity (ytd only) | 7.7376% | 1,833 |
| Net charge-offs to loans | -0.0256% | 6,657 |
| Credit loss provision to net charge-offs | 394.5946% | 846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5595% | 7,178 |
| Assets per employee ($millions) | 6.8413% | 798 |
| Cash dividends to net income (ytd only)* | 64.5833% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,487 |
| Loan loss allowance to noncurrent loans | 57.8019% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.0227% | 3,294 |
| Noncurrent loans to loans | 2.8717% | 2,623 |
| Net loans and leases to total assets | 50.4093% | 5,794 |
| Net loans and leases to deposits | 58.3929% | 5,889 |
| Net loans and leases to core deposits | 71.7024% | 4,825 |
| Total domestic deposits to total assets | 86.3278% | 3,326 |
| Equity capital to assets | 8.3262% | 6,134 |
| Core capital (leverage) ratio | 8.5585% | 5,337 |
| Tier 1 risk-based capital ratio | 13.4079% | 4,497 |
| Total risk-based capital ratio | 14.6596% | 4,477 |
| Memoranda: | ||
| Average total assets | $1,095,823,000 | 616 |
| Average earning assets | $1,020,469,000 | 595 |
| Average equity | $89,640,000 | 749 |
| Average total loans | $578,384,500 | 754 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 6,754 |
| Cost of funding earning assets | 0.6337% | 7,048 |
| Net interest margin | 3.6856% | 4,414 |
| Noninterest income to average assets | 0.5681% | 3,689 |
| Noninterest expense to average assets | 2.0564% | 6,938 |
| Loan and lease loss provision to assets | 0.0478% | 6,684 |
| Net operating income to assets | 1.8649% | 367 |
| Return on assets (ROA) | 1.7802% | 477 |
| Pretax return on assets | 1.7802% | 799 |
| Return on Equity (ROE) | 21.1986% | 193 |
| Retained earnings to average equity (ytd only) | 10.8730% | 398 |
| Net charge-offs to loans | 0.1561% | 5,414 |
| Credit loss provision to net charge-offs | 53.6374% | 6,201 |
| Earnings coverage of net charge-offs (x) | 21.4549% | 966 |
| Efficiency ratio | 51.8096% | 6,999 |
| Assets per employee ($millions) | 6.8137% | 814 |
| Cash dividends to net income (ytd only)* | 48.7086% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 3,562 |
| Loan loss allowance to noncurrent loans | 60.1815% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0299% | 3,314 |
| Noncurrent loans to loans | 2.6604% | 2,856 |
| Net loans and leases to total assets | 53.4475% | 5,707 |
| Net loans and leases to deposits | 61.8875% | 5,854 |
| Net loans and leases to core deposits | 73.5223% | 5,038 |
| Total domestic deposits to total assets | 86.3624% | 3,156 |
| Equity capital to assets | 8.0326% | 6,464 |
| Core capital (leverage) ratio | 8.5395% | 5,285 |
| Tier 1 risk-based capital ratio | 12.7532% | 4,817 |
| Total risk-based capital ratio | 14.0045% | 4,783 |
| Memoranda: | ||
| Average total assets | $1,033,060,600 | 653 |
| Average earning assets | $953,301,800 | 630 |
| Average equity | $86,755,800 | 771 |
| Average total loans | $590,031,000 | 757 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3727% | 6,857 |
| Cost of funding earning assets | 0.6583% | 7,158 |
| Net interest margin | 3.7145% | 4,334 |
| Noninterest income to average assets | 0.6474% | 3,142 |
| Noninterest expense to average assets | 2.0475% | 6,965 |
| Loan and lease loss provision to assets | 0.0687% | 6,381 |
| Net operating income to assets | 1.9497% | 370 |
| Return on assets (ROA) | 1.7779% | 582 |
| Pretax return on assets | 1.7779% | 964 |
| Return on Equity (ROE) | 20.9272% | 260 |
| Retained earnings to average equity (ytd only) | 10.2379% | 744 |
| Net charge-offs to loans | 0.2375% | 4,521 |
| Credit loss provision to net charge-offs | 50.0000% | 5,877 |
| Earnings coverage of net charge-offs (x) | 14.6885% | 1,491 |
| Efficiency ratio | 50.3573% | 7,123 |
| Assets per employee ($millions) | 6.5199% | 960 |
| Cash dividends to net income (ytd only)* | 51.0784% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 3,416 |
| Loan loss allowance to noncurrent loans | 59.5368% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1417% | 3,278 |
| Noncurrent loans to loans | 2.7333% | 2,906 |
| Net loans and leases to total assets | 54.7140% | 5,742 |
| Net loans and leases to deposits | 64.4778% | 5,854 |
| Net loans and leases to core deposits | 78.3725% | 4,759 |
| Total domestic deposits to total assets | 84.8570% | 3,689 |
| Equity capital to assets | 8.8857% | 5,727 |
| Core capital (leverage) ratio | 8.5608% | 5,402 |
| Tier 1 risk-based capital ratio | 12.8370% | 4,702 |
| Total risk-based capital ratio | 14.0888% | 4,686 |
| Memoranda: | ||
| Average total assets | $1,018,776,500 | 651 |
| Average earning assets | $937,602,500 | 640 |
| Average equity | $86,552,000 | 771 |
| Average total loans | $589,497,750 | 763 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 6,966 |
| Cost of funding earning assets | 0.6618% | 7,274 |
| Net interest margin | 3.6987% | 4,373 |
| Noninterest income to average assets | 0.7048% | 2,676 |
| Noninterest expense to average assets | 2.0954% | 6,919 |
| Loan and lease loss provision to assets | 0.1282% | 5,599 |
| Net operating income to assets | 1.8837% | 414 |
| Return on assets (ROA) | 1.6360% | 717 |
| Pretax return on assets | 1.6360% | 1,198 |
| Return on Equity (ROE) | 19.5637% | 354 |
| Retained earnings to average equity (ytd only) | 8.2434% | 1,354 |
| Net charge-offs to loans | 0.2792% | 3,942 |
| Credit loss provision to net charge-offs | 78.2871% | 4,755 |
| Earnings coverage of net charge-offs (x) | 12.2895% | 1,688 |
| Efficiency ratio | 51.0169% | 7,149 |
| Assets per employee ($millions) | 6.3308% | 1,036 |
| Cash dividends to net income (ytd only)* | 57.8636% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 3,028 |
| Loan loss allowance to noncurrent loans | 45.0830% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.6996% | 2,679 |
| Noncurrent loans to loans | 3.7956% | 2,032 |
| Net loans and leases to total assets | 53.4930% | 6,049 |
| Net loans and leases to deposits | 62.5332% | 6,180 |
| Net loans and leases to core deposits | 75.6173% | 5,236 |
| Total domestic deposits to total assets | 85.5434% | 3,348 |
| Equity capital to assets | 8.4019% | 6,298 |
| Core capital (leverage) ratio | 8.3707% | 5,629 |
| Tier 1 risk-based capital ratio | 12.5781% | 4,789 |
| Total risk-based capital ratio | 13.8309% | 4,764 |
| Memoranda: | ||
| Average total assets | $1,012,814,000 | 649 |
| Average earning assets | $931,671,000 | 643 |
| Average equity | $84,697,670 | 773 |
| Average total loans | $593,802,670 | 755 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4409% | 6,918 |
| Cost of funding earning assets | 0.6796% | 7,380 |
| Net interest margin | 3.7613% | 3,957 |
| Noninterest income to average assets | 0.8992% | 1,624 |
| Noninterest expense to average assets | 2.0667% | 7,021 |
| Loan and lease loss provision to assets | 0.1565% | 4,967 |
| Net operating income to assets | 2.1269% | 283 |
| Return on assets (ROA) | 1.7606% | 592 |
| Pretax return on assets | 1.7606% | 954 |
| Return on Equity (ROE) | 21.1052% | 327 |
| Retained earnings to average equity (ytd only) | 17.0361% | 283 |
| Net charge-offs to loans | 0.1847% | 3,815 |
| Credit loss provision to net charge-offs | 139.2857% | 2,539 |
| Earnings coverage of net charge-offs (x) | 20.3250% | 1,162 |
| Efficiency ratio | 47.5097% | 7,475 |
| Assets per employee ($millions) | 6.0079% | 1,249 |
| Cash dividends to net income (ytd only)* | 19.2799% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 3,126 |
| Loan loss allowance to noncurrent loans | 32.5260% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 3.7238% | 1,869 |
| Noncurrent loans to loans | 5.1747% | 1,390 |
| Net loans and leases to total assets | 57.9777% | 5,442 |
| Net loans and leases to deposits | 70.3708% | 5,289 |
| Net loans and leases to core deposits | 84.9940% | 4,054 |
| Total domestic deposits to total assets | 82.3889% | 4,891 |
| Equity capital to assets | 8.4350% | 6,095 |
| Core capital (leverage) ratio | 8.4594% | 5,443 |
| Tier 1 risk-based capital ratio | 12.1164% | 5,072 |
| Total risk-based capital ratio | 13.3690% | 5,034 |
| Memoranda: | ||
| Average total assets | $996,934,000 | 677 |
| Average earning assets | $914,683,500 | 668 |
| Average equity | $83,164,500 | 796 |
| Average total loans | $606,453,000 | 760 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 5,885 |
| Cost of funding earning assets | 0.7947% | 7,562 |
| Net interest margin | 4.3540% | 1,560 |
| Noninterest income to average assets | 0.6539% | 3,261 |
| Noninterest expense to average assets | 2.3312% | 6,655 |
| Loan and lease loss provision to assets | 2.0773% | 1,020 |
| Net operating income to assets | 0.2875% | 4,582 |
| Return on assets (ROA) | 0.6364% | 3,243 |
| Pretax return on assets | 0.6364% | 3,788 |
| Return on Equity (ROE) | 7.6816% | 2,503 |
| Retained earnings to average equity (ytd only) | -3.6831% | 5,819 |
| Net charge-offs to loans | 2.5859% | 884 |
| Credit loss provision to net charge-offs | 118.1242% | 4,580 |
| Earnings coverage of net charge-offs (x) | 1.3447% | 4,787 |
| Efficiency ratio | 49.6419% | 7,557 |
| Assets per employee ($millions) | 5.4394% | 1,703 |
| Cash dividends to net income (ytd only)* | 147.9465% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 3,268 |
| Loan loss allowance to noncurrent loans | 33.1982% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 3.0758% | 2,259 |
| Noncurrent loans to loans | 4.8316% | 1,422 |
| Net loans and leases to total assets | 61.7339% | 5,048 |
| Net loans and leases to deposits | 73.6019% | 5,102 |
| Net loans and leases to core deposits | 91.3621% | 4,964 |
| Total domestic deposits to total assets | 83.8754% | 4,087 |
| Equity capital to assets | 8.2467% | 6,279 |
| Core capital (leverage) ratio | 7.9341% | 6,279 |
| Tier 1 risk-based capital ratio | 11.2958% | 5,620 |
| Total risk-based capital ratio | 12.5477% | 5,567 |
| Memoranda: | ||
| Average total assets | $987,041,600 | 679 |
| Average earning assets | $916,348,400 | 663 |
| Average equity | $81,779,400 | 791 |
| Average total loans | $671,261,200 | 695 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2933% | 5,458 |
| Cost of funding earning assets | 0.7766% | 7,728 |
| Net interest margin | 4.5166% | 1,156 |
| Noninterest income to average assets | 0.7523% | 2,697 |
| Noninterest expense to average assets | 2.5322% | 5,962 |
| Loan and lease loss provision to assets | 1.1437% | 1,705 |
| Net operating income to assets | 1.2820% | 1,264 |
| Return on assets (ROA) | 1.1691% | 1,600 |
| Pretax return on assets | 1.1691% | 2,359 |
| Return on Equity (ROE) | 14.0936% | 913 |
| Retained earnings to average equity (ytd only) | 1.0953% | 4,709 |
| Net charge-offs to loans | 0.8588% | 2,251 |
| Credit loss provision to net charge-offs | 192.1088% | 2,355 |
| Earnings coverage of net charge-offs (x) | 4.0746% | 3,275 |
| Efficiency ratio | 51.0741% | 7,479 |
| Assets per employee ($millions) | 5.4034% | 1,708 |
| Cash dividends to net income (ytd only)* | 92.2286% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 3,083 |
| Loan loss allowance to noncurrent loans | 89.4846% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1817% | 4,714 |
| Noncurrent loans to loans | 1.7638% | 3,972 |
| Net loans and leases to total assets | 65.9388% | 4,446 |
| Net loans and leases to deposits | 80.8753% | 4,228 |
| Net loans and leases to core deposits | 105.8463% | 3,716 |
| Total domestic deposits to total assets | 81.5315% | 4,863 |
| Equity capital to assets | 8.3807% | 6,408 |
| Core capital (leverage) ratio | 7.9752% | 6,404 |
| Tier 1 risk-based capital ratio | 10.4106% | 6,557 |
| Total risk-based capital ratio | 11.6630% | 6,503 |
| Memoranda: | ||
| Average total assets | $987,667,750 | 688 |
| Average earning assets | $919,660,250 | 675 |
| Average equity | $81,926,250 | 796 |
| Average total loans | $684,651,250 | 698 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 5,608 |
| Cost of funding earning assets | 0.7751% | 7,849 |
| Net interest margin | 4.5351% | 1,088 |
| Noninterest income to average assets | 0.7562% | 2,672 |
| Noninterest expense to average assets | 2.5973% | 5,749 |
| Loan and lease loss provision to assets | 1.2078% | 1,426 |
| Net operating income to assets | 1.1957% | 1,488 |
| Return on assets (ROA) | 1.0626% | 1,980 |
| Pretax return on assets | 1.0626% | 2,766 |
| Return on Equity (ROE) | 12.8565% | 1,210 |
| Retained earnings to average equity (ytd only) | -2.6045% | 5,889 |
| Net charge-offs to loans | 1.1995% | 1,529 |
| Credit loss provision to net charge-offs | 143.5841% | 3,232 |
| Earnings coverage of net charge-offs (x) | 2.8573% | 3,673 |
| Efficiency ratio | 51.9373% | 7,518 |
| Assets per employee ($millions) | 5.1356% | 1,927 |
| Cash dividends to net income (ytd only)* | 120.2583% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,626 |
| Loan loss allowance to noncurrent loans | 69.5378% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 4,462 |
| Noncurrent loans to loans | 1.7934% | 3,811 |
| Net loans and leases to total assets | 68.2709% | 4,114 |
| Net loans and leases to deposits | 81.6313% | 4,283 |
| Net loans and leases to core deposits | 108.9090% | 3,503 |
| Total domestic deposits to total assets | 83.6332% | 3,949 |
| Equity capital to assets | 8.0538% | 6,684 |
| Core capital (leverage) ratio | 7.8624% | 6,539 |
| Tier 1 risk-based capital ratio | 10.1170% | 6,810 |
| Total risk-based capital ratio | 11.2626% | 6,839 |
| Memoranda: | ||
| Average total assets | $976,476,330 | 712 |
| Average earning assets | $913,947,670 | 688 |
| Average equity | $80,706,000 | 817 |
| Average total loans | $684,803,670 | 720 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 5,717 |
| Cost of funding earning assets | 0.7809% | 7,929 |
| Net interest margin | 4.5564% | 1,024 |
| Noninterest income to average assets | 0.6899% | 2,949 |
| Noninterest expense to average assets | 2.5708% | 5,571 |
| Loan and lease loss provision to assets | 0.3911% | 2,982 |
| Net operating income to assets | 1.9842% | 360 |
| Return on assets (ROA) | 1.8565% | 530 |
| Pretax return on assets | 1.8565% | 883 |
| Return on Equity (ROE) | 22.1751% | 298 |
| Retained earnings to average equity (ytd only) | 3.2451% | 4,070 |
| Net charge-offs to loans | 0.0548% | 4,702 |
| Credit loss provision to net charge-offs | 1,010.6383% | 607 |
| Earnings coverage of net charge-offs (x) | 61.3830% | 638 |
| Efficiency ratio | 51.9767% | 7,424 |
| Assets per employee ($millions) | 4.9787% | 2,091 |
| Cash dividends to net income (ytd only)* | 85.3659% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,567 |
| Loan loss allowance to noncurrent loans | 155.7377% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 6,020 |
| Noncurrent loans to loans | 0.6972% | 5,668 |
| Net loans and leases to total assets | 69.0078% | 3,910 |
| Net loans and leases to deposits | 85.1110% | 3,794 |
| Net loans and leases to core deposits | 107.6858% | 3,722 |
| Total domestic deposits to total assets | 81.0797% | 4,934 |
| Equity capital to assets | 8.3436% | 6,321 |
| Core capital (leverage) ratio | 8.1323% | 6,222 |
| Tier 1 risk-based capital ratio | 10.1301% | 6,773 |
| Total risk-based capital ratio | 11.1325% | 6,947 |
| Memoranda: | ||
| Average total assets | $971,700,500 | 717 |
| Average earning assets | $907,644,000 | 693 |
| Average equity | $81,352,500 | 809 |
| Average total loans | $686,370,000 | 728 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1547% | 4,755 |
| Cost of funding earning assets | 1.3738% | 7,771 |
| Net interest margin | 4.7809% | 808 |
| Noninterest income to average assets | 0.4782% | 4,813 |
| Noninterest expense to average assets | 2.5428% | 5,849 |
| Loan and lease loss provision to assets | 0.2279% | 4,611 |
| Net operating income to assets | 2.1297% | 275 |
| Return on assets (ROA) | 2.1699% | 250 |
| Pretax return on assets | 2.1695% | 428 |
| Return on Equity (ROE) | 26.0671% | 114 |
| Retained earnings to average equity (ytd only) | 14.1564% | 113 |
| Net charge-offs to loans | -0.0002% | 7,711 |
| Credit loss provision to net charge-offs | -193,500.0000% | 7,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8931% | 7,497 |
| Assets per employee ($millions) | 5.1218% | 1,807 |
| Cash dividends to net income (ytd only)* | 45.6924% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 6,240 |
| Loan loss allowance to noncurrent loans | 171.8758% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 5,999 |
| Noncurrent loans to loans | 0.5671% | 5,669 |
| Net loans and leases to total assets | 70.8441% | 3,828 |
| Net loans and leases to deposits | 91.0478% | 3,285 |
| Net loans and leases to core deposits | 106.4260% | 4,143 |
| Total domestic deposits to total assets | 77.8099% | 5,771 |
| Equity capital to assets | 8.4019% | 6,250 |
| Core capital (leverage) ratio | 8.5520% | 5,480 |
| Tier 1 risk-based capital ratio | 10.0172% | 6,716 |
| Total risk-based capital ratio | 10.9072% | 7,031 |
| Memoranda: | ||
| Average total assets | $848,932,200 | 801 |
| Average earning assets | $785,193,600 | 784 |
| Average equity | $70,667,600 | 941 |
| Average total loans | $607,823,000 | 786 |