Home > Asheville Savings Bank, S.S.B. > Performance and Condition Ratios
Asheville Savings Bank, S.S.B., Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8192% | 3,941 |
| Cost of funding earning assets | 0.3697% | 3,466 |
| Net interest margin | 3.4494% | 3,678 |
| Noninterest income to average assets | 0.8973% | 1,277 |
| Noninterest expense to average assets | 6.1059% | 145 |
| Loan and lease loss provision to assets | 0.0254% | 3,627 |
| Net operating income to assets | -1.9821% | 5,712 |
| Return on assets (ROA) | -1.9776% | 5,712 |
| Pretax return on assets | -1.9965% | 5,711 |
| Return on Equity (ROE) | -18.3460% | 5,705 |
| Retained earnings to average equity (ytd only) | -18.3460% | 5,673 |
| Net charge-offs to loans | 0.0024% | 3,670 |
| Credit loss provision to net charge-offs | 1,381.8182% | 271 |
| Earnings coverage of net charge-offs (x) | -1,073.5474% | 3,795 |
| Efficiency ratio | 147.8315% | 24 |
| Assets per employee ($millions) | 5.3520% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,631 |
| Loan loss allowance to noncurrent loans | 1,731.8653% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 2,620 |
| Noncurrent loans to loans | 0.0621% | 4,833 |
| Net loans and leases to total assets | 77.6044% | 1,330 |
| Net loans and leases to deposits | 89.8894% | 1,821 |
| Net loans and leases to core deposits | 96.0843% | 2,062 |
| Total domestic deposits to total assets | 86.3332% | 2,159 |
| Equity capital to assets | 9.9900% | 3,919 |
| Core capital (leverage) ratio | 10.0483% | 3,513 |
| Tier 1 risk-based capital ratio | 13.1033% | 3,941 |
| Total risk-based capital ratio | 14.2022% | 3,950 |
| Memoranda: | ||
| Average total assets | $797,178,500 | 943 |
| Average earning assets | $747,156,500 | 928 |
| Average equity | $85,931,000 | 951 |
| Average total loans | $615,348,500 | 855 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 4,012 |
| Cost of funding earning assets | 0.3915% | 3,153 |
| Net interest margin | 3.3761% | 3,851 |
| Noninterest income to average assets | 0.9053% | 1,259 |
| Noninterest expense to average assets | 2.9006% | 2,424 |
| Loan and lease loss provision to assets | 0.0330% | 3,329 |
| Net operating income to assets | 0.7819% | 3,479 |
| Return on assets (ROA) | 0.7866% | 3,513 |
| Pretax return on assets | 1.1456% | 2,993 |
| Return on Equity (ROE) | 7.1249% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.1249% | 1,528 |
| Net charge-offs to loans | 0.0055% | 3,265 |
| Credit loss provision to net charge-offs | 776.4706% | 469 |
| Earnings coverage of net charge-offs (x) | 275.3529% | 313 |
| Efficiency ratio | 71.2240% | 2,478 |
| Assets per employee ($millions) | 5.1272% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,705 |
| Loan loss allowance to noncurrent loans | 1,204.1591% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 2,466 |
| Noncurrent loans to loans | 0.0895% | 4,770 |
| Net loans and leases to total assets | 76.4405% | 1,474 |
| Net loans and leases to deposits | 89.7865% | 1,757 |
| Net loans and leases to core deposits | 96.0364% | 1,977 |
| Total domestic deposits to total assets | 85.1358% | 2,758 |
| Equity capital to assets | 11.3236% | 2,475 |
| Core capital (leverage) ratio | 11.4664% | 1,995 |
| Tier 1 risk-based capital ratio | 15.2311% | 2,833 |
| Total risk-based capital ratio | 16.3401% | 2,823 |
| Memoranda: | ||
| Average total assets | $798,870,330 | 946 |
| Average earning assets | $749,450,330 | 929 |
| Average equity | $88,197,670 | 924 |
| Average total loans | $613,334,000 | 863 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 3,993 |
| Cost of funding earning assets | 0.4497% | 2,527 |
| Net interest margin | 3.2825% | 4,072 |
| Noninterest income to average assets | 0.9384% | 1,145 |
| Noninterest expense to average assets | 2.7471% | 2,963 |
| Loan and lease loss provision to assets | 0.0286% | 3,196 |
| Net operating income to assets | 0.9386% | 2,567 |
| Return on assets (ROA) | 0.9489% | 2,590 |
| Pretax return on assets | 1.2520% | 2,410 |
| Return on Equity (ROE) | 8.7069% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.7069% | 1,187 |
| Net charge-offs to loans | 0.0183% | 2,423 |
| Credit loss provision to net charge-offs | 203.5714% | 1,005 |
| Earnings coverage of net charge-offs (x) | 90.3214% | 589 |
| Efficiency ratio | 68.4348% | 3,134 |
| Assets per employee ($millions) | 5.2428% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,847 |
| Loan loss allowance to noncurrent loans | 1,157.2183% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 2,540 |
| Noncurrent loans to loans | 0.0930% | 4,817 |
| Net loans and leases to total assets | 75.2913% | 1,530 |
| Net loans and leases to deposits | 88.1238% | 1,780 |
| Net loans and leases to core deposits | 94.6135% | 1,919 |
| Total domestic deposits to total assets | 85.4381% | 2,908 |
| Equity capital to assets | 10.9968% | 2,629 |
| Core capital (leverage) ratio | 11.2251% | 2,168 |
| Tier 1 risk-based capital ratio | 15.0491% | 2,947 |
| Total risk-based capital ratio | 16.1502% | 2,941 |
| Memoranda: | ||
| Average total assets | $798,382,500 | 947 |
| Average earning assets | $748,094,500 | 933 |
| Average equity | $87,011,000 | 934 |
| Average total loans | $610,968,500 | 859 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6933% | 4,225 |
| Cost of funding earning assets | 0.4766% | 2,290 |
| Net interest margin | 3.2166% | 4,394 |
| Noninterest income to average assets | 0.9192% | 1,349 |
| Noninterest expense to average assets | 3.7785% | 792 |
| Loan and lease loss provision to assets | 0.0692% | 2,970 |
| Net operating income to assets | 0.0707% | 5,591 |
| Return on assets (ROA) | 0.1908% | 5,485 |
| Pretax return on assets | 0.2659% | 5,412 |
| Return on Equity (ROE) | 1.7509% | 5,446 |
| Retained earnings to average equity (ytd only) | -2.7799% | 5,578 |
| Net charge-offs to loans | 0.0486% | 3,069 |
| Credit loss provision to net charge-offs | 187.0307% | 1,504 |
| Earnings coverage of net charge-offs (x) | 4.5495% | 3,481 |
| Efficiency ratio | 95.7352% | 321 |
| Assets per employee ($millions) | 5.1265% | 2,255 |
| Cash dividends to net income (ytd only)* | 258.7690% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,885 |
| Loan loss allowance to noncurrent loans | 646.6403% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 2,442 |
| Noncurrent loans to loans | 0.1655% | 4,570 |
| Net loans and leases to total assets | 76.1213% | 1,498 |
| Net loans and leases to deposits | 93.0270% | 1,296 |
| Net loans and leases to core deposits | 98.5870% | 1,734 |
| Total domestic deposits to total assets | 81.8271% | 4,121 |
| Equity capital to assets | 10.7991% | 2,816 |
| Core capital (leverage) ratio | 10.9357% | 2,398 |
| Tier 1 risk-based capital ratio | 14.6528% | 3,121 |
| Total risk-based capital ratio | 15.7466% | 3,130 |
| Memoranda: | ||
| Average total assets | $791,921,000 | 915 |
| Average earning assets | $745,412,200 | 895 |
| Average equity | $86,298,800 | 921 |
| Average total loans | $602,637,400 | 826 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 4,310 |
| Cost of funding earning assets | 0.4738% | 2,328 |
| Net interest margin | 3.2086% | 4,466 |
| Noninterest income to average assets | 0.8971% | 1,416 |
| Noninterest expense to average assets | 2.8386% | 2,875 |
| Loan and lease loss provision to assets | 0.0693% | 2,834 |
| Net operating income to assets | 0.6598% | 4,037 |
| Return on assets (ROA) | 0.8043% | 3,485 |
| Pretax return on assets | 1.2368% | 2,670 |
| Return on Equity (ROE) | 7.3638% | 3,373 |
| Retained earnings to average equity (ytd only) | 1.3314% | 4,981 |
| Net charge-offs to loans | 0.0524% | 2,620 |
| Credit loss provision to net charge-offs | 174.1525% | 1,600 |
| Earnings coverage of net charge-offs (x) | 27.2541% | 1,570 |
| Efficiency ratio | 72.3688% | 2,520 |
| Assets per employee ($millions) | 5.2729% | 2,074 |
| Cash dividends to net income (ytd only)* | 81.9191% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 4,039 |
| Loan loss allowance to noncurrent loans | 522.5546% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 2,666 |
| Noncurrent loans to loans | 0.2042% | 4,539 |
| Net loans and leases to total assets | 75.2542% | 1,660 |
| Net loans and leases to deposits | 92.7944% | 1,397 |
| Net loans and leases to core deposits | 98.0279% | 1,809 |
| Total domestic deposits to total assets | 81.0977% | 4,228 |
| Equity capital to assets | 10.8308% | 3,217 |
| Core capital (leverage) ratio | 11.3478% | 2,159 |
| Tier 1 risk-based capital ratio | 15.0738% | 3,016 |
| Total risk-based capital ratio | 16.1476% | 3,027 |
| Memoranda: | ||
| Average total assets | $791,248,500 | 913 |
| Average earning assets | $746,048,250 | 893 |
| Average equity | $86,420,750 | 923 |
| Average total loans | $600,443,750 | 826 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5986% | 4,593 |
| Cost of funding earning assets | 0.4691% | 2,382 |
| Net interest margin | 3.1295% | 4,751 |
| Noninterest income to average assets | 0.8518% | 1,537 |
| Noninterest expense to average assets | 2.8103% | 2,995 |
| Loan and lease loss provision to assets | 0.1274% | 1,788 |
| Net operating income to assets | 0.5652% | 4,419 |
| Return on assets (ROA) | 0.7581% | 3,656 |
| Pretax return on assets | 1.1715% | 2,896 |
| Return on Equity (ROE) | 6.9216% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.9216% | 1,645 |
| Net charge-offs to loans | 0.0698% | 2,191 |
| Credit loss provision to net charge-offs | 240.6699% | 1,134 |
| Earnings coverage of net charge-offs (x) | 18.9282% | 1,801 |
| Efficiency ratio | 73.7160% | 2,404 |
| Assets per employee ($millions) | 5.0923% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 4,073 |
| Loan loss allowance to noncurrent loans | 265.3366% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 2,349 |
| Noncurrent loans to loans | 0.4059% | 3,906 |
| Net loans and leases to total assets | 75.1417% | 1,625 |
| Net loans and leases to deposits | 93.8065% | 1,306 |
| Net loans and leases to core deposits | 99.0705% | 1,714 |
| Total domestic deposits to total assets | 80.1029% | 4,511 |
| Equity capital to assets | 11.0607% | 2,988 |
| Core capital (leverage) ratio | 11.7049% | 1,845 |
| Tier 1 risk-based capital ratio | 15.4267% | 2,890 |
| Total risk-based capital ratio | 16.5225% | 2,884 |
| Memoranda: | ||
| Average total assets | $789,594,330 | 914 |
| Average earning assets | $746,953,670 | 893 |
| Average equity | $86,482,330 | 917 |
| Average total loans | $598,709,670 | 823 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 4,595 |
| Cost of funding earning assets | 0.4686% | 2,382 |
| Net interest margin | 3.1406% | 4,749 |
| Noninterest income to average assets | 0.8071% | 1,597 |
| Noninterest expense to average assets | 2.8641% | 2,835 |
| Loan and lease loss provision to assets | 0.2041% | 964 |
| Net operating income to assets | 0.4698% | 4,739 |
| Return on assets (ROA) | 0.6214% | 4,203 |
| Pretax return on assets | 0.9544% | 3,647 |
| Return on Equity (ROE) | 5.7024% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.7024% | 2,529 |
| Net charge-offs to loans | -0.0230% | 4,928 |
| Credit loss provision to net charge-offs | -1,173.5294% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5837% | 2,235 |
| Assets per employee ($millions) | 5.1141% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 3,952 |
| Loan loss allowance to noncurrent loans | 284.5893% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0172% | 2,171 |
| Noncurrent loans to loans | 0.3931% | 4,029 |
| Net loans and leases to total assets | 75.9395% | 1,399 |
| Net loans and leases to deposits | 94.0672% | 1,139 |
| Net loans and leases to core deposits | 97.9481% | 1,641 |
| Total domestic deposits to total assets | 80.7290% | 4,575 |
| Equity capital to assets | 11.0334% | 2,902 |
| Core capital (leverage) ratio | 11.6195% | 1,892 |
| Tier 1 risk-based capital ratio | 15.6668% | 2,837 |
| Total risk-based capital ratio | 16.8275% | 2,808 |
| Memoranda: | ||
| Average total assets | $782,097,500 | 924 |
| Average earning assets | $742,651,500 | 899 |
| Average equity | $85,227,000 | 932 |
| Average total loans | $592,482,500 | 831 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4874% | 4,955 |
| Cost of funding earning assets | 0.4912% | 2,243 |
| Net interest margin | 2.9962% | 5,146 |
| Noninterest income to average assets | 0.8782% | 1,507 |
| Noninterest expense to average assets | 2.9548% | 2,685 |
| Loan and lease loss provision to assets | 0.0464% | 3,397 |
| Net operating income to assets | 0.4543% | 4,871 |
| Return on assets (ROA) | 0.5016% | 4,784 |
| Pretax return on assets | 0.7782% | 4,267 |
| Return on Equity (ROE) | 4.4881% | 4,747 |
| Retained earnings to average equity (ytd only) | -5.2962% | 5,928 |
| Net charge-offs to loans | 0.0038% | 4,321 |
| Credit loss provision to net charge-offs | 1,719.0476% | 201 |
| Earnings coverage of net charge-offs (x) | 277.8571% | 261 |
| Efficiency ratio | 79.7417% | 1,710 |
| Assets per employee ($millions) | 5.1430% | 2,186 |
| Cash dividends to net income (ytd only)* | 218.0046% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 4,168 |
| Loan loss allowance to noncurrent loans | 246.8210% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 2,091 |
| Noncurrent loans to loans | 0.4363% | 3,903 |
| Net loans and leases to total assets | 73.9071% | 1,750 |
| Net loans and leases to deposits | 91.2623% | 1,477 |
| Net loans and leases to core deposits | 95.7100% | 1,877 |
| Total domestic deposits to total assets | 80.9832% | 4,488 |
| Equity capital to assets | 10.7609% | 3,064 |
| Core capital (leverage) ratio | 11.2010% | 2,214 |
| Tier 1 risk-based capital ratio | 15.6992% | 2,831 |
| Total risk-based capital ratio | 16.8063% | 2,836 |
| Memoranda: | ||
| Average total assets | $777,303,400 | 891 |
| Average earning assets | $733,495,200 | 868 |
| Average equity | $86,874,400 | 877 |
| Average total loans | $559,962,600 | 836 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 5,057 |
| Cost of funding earning assets | 0.4933% | 2,283 |
| Net interest margin | 2.9738% | 5,260 |
| Noninterest income to average assets | 0.8889% | 1,481 |
| Noninterest expense to average assets | 2.9514% | 2,668 |
| Loan and lease loss provision to assets | 0.0773% | 2,638 |
| Net operating income to assets | 0.4479% | 4,979 |
| Return on assets (ROA) | 0.4947% | 4,899 |
| Pretax return on assets | 0.7312% | 4,566 |
| Return on Equity (ROE) | 4.3853% | 4,878 |
| Retained earnings to average equity (ytd only) | 0.5786% | 5,446 |
| Net charge-offs to loans | 0.0246% | 3,443 |
| Credit loss provision to net charge-offs | 441.1765% | 705 |
| Earnings coverage of net charge-offs (x) | 42.2146% | 1,188 |
| Efficiency ratio | 79.9609% | 1,659 |
| Assets per employee ($millions) | 4.9691% | 2,337 |
| Cash dividends to net income (ytd only)* | 86.8056% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 4,262 |
| Loan loss allowance to noncurrent loans | 223.6945% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.4698% | 1,534 |
| Noncurrent loans to loans | 0.4891% | 3,884 |
| Net loans and leases to total assets | 71.5939% | 2,123 |
| Net loans and leases to deposits | 88.7592% | 1,803 |
| Net loans and leases to core deposits | 93.8432% | 2,091 |
| Total domestic deposits to total assets | 80.6609% | 4,564 |
| Equity capital to assets | 11.0945% | 2,908 |
| Core capital (leverage) ratio | 11.8170% | 1,803 |
| Tier 1 risk-based capital ratio | 16.5054% | 2,574 |
| Total risk-based capital ratio | 17.6118% | 2,590 |
| Memoranda: | ||
| Average total assets | $776,195,500 | 894 |
| Average earning assets | $731,389,000 | 874 |
| Average equity | $87,562,500 | 878 |
| Average total loans | $553,941,500 | 853 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4578% | 5,087 |
| Cost of funding earning assets | 0.4965% | 2,280 |
| Net interest margin | 2.9613% | 5,314 |
| Noninterest income to average assets | 0.8622% | 1,565 |
| Noninterest expense to average assets | 2.9855% | 2,601 |
| Loan and lease loss provision to assets | 0.0673% | 2,773 |
| Net operating income to assets | 0.3961% | 5,148 |
| Return on assets (ROA) | 0.4302% | 5,140 |
| Pretax return on assets | 0.6481% | 4,826 |
| Return on Equity (ROE) | 3.7917% | 5,104 |
| Retained earnings to average equity (ytd only) | -1.9325% | 5,821 |
| Net charge-offs to loans | 0.0307% | 3,048 |
| Credit loss provision to net charge-offs | 308.3333% | 917 |
| Earnings coverage of net charge-offs (x) | 30.4167% | 1,354 |
| Efficiency ratio | 81.8124% | 1,517 |
| Assets per employee ($millions) | 4.9092% | 2,388 |
| Cash dividends to net income (ytd only)* | 150.9662% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 4,386 |
| Loan loss allowance to noncurrent loans | 210.3022% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.5749% | 1,536 |
| Noncurrent loans to loans | 0.5177% | 3,903 |
| Net loans and leases to total assets | 71.2733% | 2,112 |
| Net loans and leases to deposits | 88.3643% | 1,787 |
| Net loans and leases to core deposits | 93.4715% | 2,009 |
| Total domestic deposits to total assets | 80.6584% | 4,701 |
| Equity capital to assets | 11.0368% | 2,850 |
| Core capital (leverage) ratio | 11.7879% | 1,783 |
| Tier 1 risk-based capital ratio | 16.6140% | 2,558 |
| Total risk-based capital ratio | 17.7129% | 2,583 |
| Memoranda: | ||
| Average total assets | $769,910,330 | 905 |
| Average earning assets | $724,613,000 | 890 |
| Average equity | $87,347,670 | 884 |
| Average total loans | $546,753,670 | 859 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 5,140 |
| Cost of funding earning assets | 0.4947% | 2,338 |
| Net interest margin | 2.9362% | 5,374 |
| Noninterest income to average assets | 0.8104% | 1,673 |
| Noninterest expense to average assets | 2.9606% | 2,704 |
| Loan and lease loss provision to assets | 0.1015% | 2,004 |
| Net operating income to assets | 0.3396% | 5,280 |
| Return on assets (ROA) | 0.3589% | 5,343 |
| Pretax return on assets | 0.5409% | 5,069 |
| Return on Equity (ROE) | 3.1201% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.1201% | 4,113 |
| Net charge-offs to loans | 0.0750% | 1,960 |
| Credit loss provision to net charge-offs | 192.0792% | 1,082 |
| Earnings coverage of net charge-offs (x) | 11.6040% | 1,852 |
| Efficiency ratio | 82.8429% | 1,513 |
| Assets per employee ($millions) | 4.7348% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 4,529 |
| Loan loss allowance to noncurrent loans | 197.5155% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.6121% | 1,585 |
| Noncurrent loans to loans | 0.5567% | 3,916 |
| Net loans and leases to total assets | 70.4153% | 2,080 |
| Net loans and leases to deposits | 88.3776% | 1,577 |
| Net loans and leases to core deposits | 93.6197% | 1,798 |
| Total domestic deposits to total assets | 79.6755% | 5,130 |
| Equity capital to assets | 11.4869% | 2,473 |
| Core capital (leverage) ratio | 12.2443% | 1,482 |
| Tier 1 risk-based capital ratio | 17.0965% | 2,443 |
| Total risk-based capital ratio | 18.2021% | 2,449 |
| Memoranda: | ||
| Average total assets | $764,584,500 | 910 |
| Average earning assets | $719,571,000 | 897 |
| Average equity | $87,947,000 | 877 |
| Average total loans | $538,902,500 | 871 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4039% | 5,523 |
| Cost of funding earning assets | 0.5263% | 2,423 |
| Net interest margin | 2.8776% | 5,687 |
| Noninterest income to average assets | 0.8017% | 1,872 |
| Noninterest expense to average assets | 3.0966% | 2,527 |
| Loan and lease loss provision to assets | -0.1342% | 6,208 |
| Net operating income to assets | 0.3529% | 5,371 |
| Return on assets (ROA) | 0.3721% | 5,384 |
| Pretax return on assets | 0.5609% | 5,070 |
| Return on Equity (ROE) | 3.1270% | 5,432 |
| Retained earnings to average equity (ytd only) | -2.5235% | 6,056 |
| Net charge-offs to loans | 0.0747% | 3,417 |
| Credit loss provision to net charge-offs | -277.2222% | 5,689 |
| Earnings coverage of net charge-offs (x) | 8.2139% | 2,913 |
| Efficiency ratio | 88.6208% | 942 |
| Assets per employee ($millions) | 4.7338% | 2,679 |
| Cash dividends to net income (ytd only)* | 180.7011% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 4,410 |
| Loan loss allowance to noncurrent loans | 221.3170% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5186% | 1,792 |
| Noncurrent loans to loans | 0.5088% | 4,140 |
| Net loans and leases to total assets | 68.9689% | 2,399 |
| Net loans and leases to deposits | 86.2433% | 1,948 |
| Net loans and leases to core deposits | 91.1370% | 2,172 |
| Total domestic deposits to total assets | 79.9702% | 5,025 |
| Equity capital to assets | 11.5186% | 2,418 |
| Core capital (leverage) ratio | 12.2614% | 1,470 |
| Tier 1 risk-based capital ratio | 18.4290% | 2,007 |
| Total risk-based capital ratio | 19.6075% | 1,996 |
| Memoranda: | ||
| Average total assets | $743,684,400 | 906 |
| Average earning assets | $695,846,800 | 885 |
| Average equity | $88,488,400 | 832 |
| Average total loans | $481,906,600 | 920 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 5,636 |
| Cost of funding earning assets | 0.5310% | 2,458 |
| Net interest margin | 2.8422% | 5,799 |
| Noninterest income to average assets | 0.7837% | 1,949 |
| Noninterest expense to average assets | 3.1376% | 2,357 |
| Loan and lease loss provision to assets | -0.2194% | 6,405 |
| Net operating income to assets | 0.3474% | 5,434 |
| Return on assets (ROA) | 0.3730% | 5,431 |
| Pretax return on assets | 0.5585% | 5,158 |
| Return on Equity (ROE) | 3.1095% | 5,501 |
| Retained earnings to average equity (ytd only) | -4.3978% | 6,230 |
| Net charge-offs to loans | 0.0672% | 3,242 |
| Credit loss provision to net charge-offs | -513.9241% | 5,756 |
| Earnings coverage of net charge-offs (x) | 7.0507% | 2,984 |
| Efficiency ratio | 91.2472% | 754 |
| Assets per employee ($millions) | 4.6171% | 2,784 |
| Cash dividends to net income (ytd only)* | 241.4296% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 4,288 |
| Loan loss allowance to noncurrent loans | 170.9112% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 1,800 |
| Noncurrent loans to loans | 0.6956% | 3,872 |
| Net loans and leases to total assets | 65.0324% | 3,020 |
| Net loans and leases to deposits | 81.3101% | 2,512 |
| Net loans and leases to core deposits | 86.3390% | 2,630 |
| Total domestic deposits to total assets | 79.9807% | 5,105 |
| Equity capital to assets | 11.6792% | 2,332 |
| Core capital (leverage) ratio | 12.2859% | 1,525 |
| Tier 1 risk-based capital ratio | 19.7014% | 1,737 |
| Total risk-based capital ratio | 20.9514% | 1,706 |
| Memoranda: | ||
| Average total assets | $740,255,000 | 920 |
| Average earning assets | $691,475,250 | 895 |
| Average equity | $88,800,000 | 832 |
| Average total loans | $470,303,000 | 946 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3642% | 5,688 |
| Cost of funding earning assets | 0.5344% | 2,496 |
| Net interest margin | 2.8298% | 5,851 |
| Noninterest income to average assets | 0.7494% | 2,048 |
| Noninterest expense to average assets | 3.2363% | 2,082 |
| Loan and lease loss provision to assets | -0.3953% | 6,558 |
| Net operating income to assets | 0.3657% | 5,350 |
| Return on assets (ROA) | 0.4042% | 5,287 |
| Pretax return on assets | 0.6016% | 4,949 |
| Return on Equity (ROE) | 3.3400% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.3400% | 4,076 |
| Net charge-offs to loans | 0.0341% | 3,528 |
| Credit loss provision to net charge-offs | -1,845.5696% | 5,804 |
| Earnings coverage of net charge-offs (x) | 6.9494% | 2,698 |
| Efficiency ratio | 95.6031% | 574 |
| Assets per employee ($millions) | 4.6296% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 4,364 |
| Loan loss allowance to noncurrent loans | 283.6775% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6545% | 1,968 |
| Noncurrent loans to loans | 0.4277% | 4,711 |
| Net loans and leases to total assets | 62.6469% | 3,295 |
| Net loans and leases to deposits | 78.7832% | 2,696 |
| Net loans and leases to core deposits | 83.5639% | 2,787 |
| Total domestic deposits to total assets | 79.5181% | 5,344 |
| Equity capital to assets | 12.1770% | 1,866 |
| Core capital (leverage) ratio | 12.8810% | 1,205 |
| Tier 1 risk-based capital ratio | 21.3948% | 1,363 |
| Total risk-based capital ratio | 22.6451% | 1,341 |
| Memoranda: | ||
| Average total assets | $737,685,330 | 924 |
| Average earning assets | $687,113,000 | 895 |
| Average equity | $89,281,330 | 818 |
| Average total loans | $462,980,330 | 955 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3856% | 5,678 |
| Cost of funding earning assets | 0.5409% | 2,493 |
| Net interest margin | 2.8447% | 5,857 |
| Noninterest income to average assets | 0.7272% | 2,046 |
| Noninterest expense to average assets | 3.1446% | 2,391 |
| Loan and lease loss provision to assets | -0.0372% | 6,440 |
| Net operating income to assets | 0.2009% | 5,798 |
| Return on assets (ROA) | 0.2482% | 5,713 |
| Pretax return on assets | 0.3248% | 5,665 |
| Return on Equity (ROE) | 2.0576% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.0576% | 4,785 |
| Net charge-offs to loans | 0.0438% | 2,774 |
| Credit loss provision to net charge-offs | -136.0000% | 4,890 |
| Earnings coverage of net charge-offs (x) | 8.2400% | 2,045 |
| Efficiency ratio | 93.3149% | 795 |
| Assets per employee ($millions) | 4.4541% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 2,857 |
| Loan loss allowance to noncurrent loans | 377.3753% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 2.0985% | 1,597 |
| Noncurrent loans to loans | 0.4148% | 4,891 |
| Net loans and leases to total assets | 61.1367% | 3,372 |
| Net loans and leases to deposits | 76.8909% | 2,700 |
| Net loans and leases to core deposits | 81.6074% | 2,779 |
| Total domestic deposits to total assets | 79.5109% | 5,595 |
| Equity capital to assets | 12.0693% | 1,824 |
| Core capital (leverage) ratio | 12.8236% | 1,234 |
| Tier 1 risk-based capital ratio | 21.4349% | 1,385 |
| Total risk-based capital ratio | 22.6898% | 1,364 |
| Memoranda: | ||
| Average total assets | $731,531,000 | 929 |
| Average earning assets | $679,578,500 | 912 |
| Average equity | $88,258,500 | 829 |
| Average total loans | $456,661,500 | 966 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 5,869 |
| Cost of funding earning assets | 0.6407% | 2,292 |
| Net interest margin | 2.7457% | 6,072 |
| Noninterest income to average assets | 0.9731% | 1,454 |
| Noninterest expense to average assets | 3.3849% | 1,915 |
| Loan and lease loss provision to assets | -0.0925% | 6,470 |
| Net operating income to assets | 0.1391% | 5,962 |
| Return on assets (ROA) | 0.2214% | 5,832 |
| Pretax return on assets | 0.3186% | 5,680 |
| Return on Equity (ROE) | 1.8569% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.8569% | 4,914 |
| Net charge-offs to loans | 0.1237% | 3,570 |
| Credit loss provision to net charge-offs | -129.7143% | 5,923 |
| Earnings coverage of net charge-offs (x) | 1.5200% | 4,549 |
| Efficiency ratio | 96.8966% | 592 |
| Assets per employee ($millions) | 4.1831% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 2,722 |
| Loan loss allowance to noncurrent loans | 610.4428% | 804 |
| Noncurrent assets plus other real estate owned to assets | 2.1321% | 1,672 |
| Noncurrent loans to loans | 0.2636% | 5,394 |
| Net loans and leases to total assets | 61.7391% | 3,402 |
| Net loans and leases to deposits | 77.8019% | 2,745 |
| Net loans and leases to core deposits | 82.3100% | 2,862 |
| Total domestic deposits to total assets | 79.3542% | 5,589 |
| Equity capital to assets | 12.0604% | 1,764 |
| Core capital (leverage) ratio | 12.6748% | 1,269 |
| Tier 1 risk-based capital ratio | 21.0726% | 1,406 |
| Total risk-based capital ratio | 22.3276% | 1,386 |
| Memoranda: | ||
| Average total assets | $736,083,400 | 903 |
| Average earning assets | $675,633,200 | 898 |
| Average equity | $87,782,800 | 800 |
| Average total loans | $424,503,000 | 1,009 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 5,937 |
| Cost of funding earning assets | 0.6576% | 2,298 |
| Net interest margin | 2.7171% | 6,146 |
| Noninterest income to average assets | 0.9731% | 1,527 |
| Noninterest expense to average assets | 3.4264% | 1,765 |
| Loan and lease loss provision to assets | -0.1326% | 6,661 |
| Net operating income to assets | 0.1138% | 6,111 |
| Return on assets (ROA) | 0.2219% | 5,942 |
| Pretax return on assets | 0.3236% | 5,814 |
| Return on Equity (ROE) | 1.8655% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.8655% | 5,200 |
| Net charge-offs to loans | 0.0604% | 4,041 |
| Credit loss provision to net charge-offs | -388.8889% | 6,009 |
| Earnings coverage of net charge-offs (x) | 1.0106% | 4,508 |
| Efficiency ratio | 99.0045% | 498 |
| Assets per employee ($millions) | 4.2955% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 2,481 |
| Loan loss allowance to noncurrent loans | 454.4311% | 964 |
| Noncurrent assets plus other real estate owned to assets | 2.3065% | 1,710 |
| Noncurrent loans to loans | 0.3835% | 5,247 |
| Net loans and leases to total assets | 57.9071% | 4,025 |
| Net loans and leases to deposits | 72.9580% | 3,413 |
| Net loans and leases to core deposits | 77.4274% | 3,435 |
| Total domestic deposits to total assets | 79.3705% | 5,658 |
| Equity capital to assets | 11.6603% | 2,161 |
| Core capital (leverage) ratio | 12.4440% | 1,447 |
| Tier 1 risk-based capital ratio | 20.9915% | 1,495 |
| Total risk-based capital ratio | 22.2474% | 1,470 |
| Memoranda: | ||
| Average total assets | $739,183,250 | 909 |
| Average earning assets | $676,787,500 | 897 |
| Average equity | $87,908,750 | 808 |
| Average total loans | $417,103,000 | 1,022 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 5,967 |
| Cost of funding earning assets | 0.6760% | 2,256 |
| Net interest margin | 2.6943% | 6,185 |
| Noninterest income to average assets | 1.0061% | 1,519 |
| Noninterest expense to average assets | 3.4105% | 1,797 |
| Loan and lease loss provision to assets | 0.0346% | 4,250 |
| Net operating income to assets | 0.0197% | 6,283 |
| Return on assets (ROA) | 0.1704% | 6,089 |
| Pretax return on assets | 0.2097% | 6,066 |
| Return on Equity (ROE) | 1.4238% | 6,113 |
| Retained earnings to average equity (ytd only) | 1.4238% | 5,312 |
| Net charge-offs to loans | 0.0574% | 3,881 |
| Credit loss provision to net charge-offs | 108.4746% | 2,048 |
| Earnings coverage of net charge-offs (x) | 1.8220% | 3,920 |
| Efficiency ratio | 98.3232% | 551 |
| Assets per employee ($millions) | 4.2270% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9931% | 1,868 |
| Loan loss allowance to noncurrent loans | 552.0078% | 791 |
| Noncurrent assets plus other real estate owned to assets | 2.4609% | 1,725 |
| Noncurrent loans to loans | 0.3611% | 5,372 |
| Net loans and leases to total assets | 56.6561% | 4,185 |
| Net loans and leases to deposits | 70.9983% | 3,586 |
| Net loans and leases to core deposits | 75.3500% | 3,629 |
| Total domestic deposits to total assets | 79.7992% | 5,652 |
| Equity capital to assets | 11.6749% | 2,153 |
| Core capital (leverage) ratio | 12.1660% | 1,528 |
| Tier 1 risk-based capital ratio | 21.2272% | 1,442 |
| Total risk-based capital ratio | 22.4863% | 1,411 |
| Memoranda: | ||
| Average total assets | $739,301,000 | 909 |
| Average earning assets | $675,734,670 | 898 |
| Average equity | $88,495,000 | 802 |
| Average total loans | $410,996,000 | 1,031 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 5,929 |
| Cost of funding earning assets | 0.6851% | 2,345 |
| Net interest margin | 2.7197% | 6,186 |
| Noninterest income to average assets | 1.0283% | 1,402 |
| Noninterest expense to average assets | 2.8256% | 3,611 |
| Loan and lease loss provision to assets | 0.0606% | 3,630 |
| Net operating income to assets | 0.4182% | 5,053 |
| Return on assets (ROA) | 0.4156% | 5,218 |
| Pretax return on assets | 0.6110% | 4,908 |
| Return on Equity (ROE) | 3.4300% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.4300% | 4,194 |
| Net charge-offs to loans | 0.0715% | 3,126 |
| Credit loss provision to net charge-offs | 155.5556% | 1,327 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,324 |
| Efficiency ratio | 80.7080% | 2,224 |
| Assets per employee ($millions) | 4.3543% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0988% | 1,797 |
| Loan loss allowance to noncurrent loans | 552.5194% | 787 |
| Noncurrent assets plus other real estate owned to assets | 2.6425% | 1,718 |
| Noncurrent loans to loans | 0.3799% | 5,456 |
| Net loans and leases to total assets | 53.5812% | 4,478 |
| Net loans and leases to deposits | 67.3893% | 3,857 |
| Net loans and leases to core deposits | 71.5535% | 3,875 |
| Total domestic deposits to total assets | 79.5100% | 5,869 |
| Equity capital to assets | 12.0538% | 2,006 |
| Core capital (leverage) ratio | 12.2733% | 1,433 |
| Tier 1 risk-based capital ratio | 23.0772% | 1,149 |
| Total risk-based capital ratio | 24.3409% | 1,122 |
| Memoranda: | ||
| Average total assets | $739,089,500 | 915 |
| Average earning assets | $671,978,000 | 903 |
| Average equity | $89,561,500 | 795 |
| Average total loans | $402,683,000 | 1,052 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 6,351 |
| Cost of funding earning assets | 0.9357% | 1,732 |
| Net interest margin | 2.5701% | 6,656 |
| Noninterest income to average assets | 0.8129% | 2,206 |
| Noninterest expense to average assets | 3.2105% | 2,576 |
| Loan and lease loss provision to assets | 0.2222% | 2,909 |
| Net operating income to assets | -0.1734% | 6,356 |
| Return on assets (ROA) | 0.1310% | 6,090 |
| Pretax return on assets | 0.1799% | 6,026 |
| Return on Equity (ROE) | 1.1124% | 6,113 |
| Retained earnings to average equity (ytd only) | 1.1124% | 5,316 |
| Net charge-offs to loans | 0.9137% | 1,237 |
| Credit loss provision to net charge-offs | 44.5726% | 4,827 |
| Earnings coverage of net charge-offs (x) | -0.0299% | 5,502 |
| Efficiency ratio | 100.4663% | 549 |
| Assets per employee ($millions) | 4.3666% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,667 |
| Loan loss allowance to noncurrent loans | 739.6177% | 589 |
| Noncurrent assets plus other real estate owned to assets | 2.8029% | 1,710 |
| Noncurrent loans to loans | 0.2893% | 5,758 |
| Net loans and leases to total assets | 53.0733% | 4,744 |
| Net loans and leases to deposits | 66.9450% | 4,140 |
| Net loans and leases to core deposits | 70.2421% | 4,276 |
| Total domestic deposits to total assets | 79.2790% | 5,827 |
| Equity capital to assets | 12.1828% | 1,923 |
| Core capital (leverage) ratio | 12.0585% | 1,536 |
| Tier 1 risk-based capital ratio | 22.3533% | 1,206 |
| Total risk-based capital ratio | 23.6171% | 1,176 |
| Memoranda: | ||
| Average total assets | $765,013,800 | 872 |
| Average earning assets | $709,225,600 | 851 |
| Average equity | $90,074,000 | 774 |
| Average total loans | $417,433,200 | 1,004 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 6,519 |
| Cost of funding earning assets | 0.9765% | 1,702 |
| Net interest margin | 2.5140% | 6,818 |
| Noninterest income to average assets | 0.7958% | 2,260 |
| Noninterest expense to average assets | 2.8459% | 3,818 |
| Loan and lease loss provision to assets | 0.4197% | 1,522 |
| Net operating income to assets | -0.0851% | 6,393 |
| Return on assets (ROA) | 0.1280% | 6,224 |
| Pretax return on assets | 0.1789% | 6,157 |
| Return on Equity (ROE) | 1.0962% | 6,233 |
| Retained earnings to average equity (ytd only) | 1.0962% | 5,730 |
| Net charge-offs to loans | 0.8966% | 1,218 |
| Credit loss provision to net charge-offs | 85.6690% | 3,436 |
| Earnings coverage of net charge-offs (x) | 0.6176% | 5,010 |
| Efficiency ratio | 90.3896% | 1,011 |
| Assets per employee ($millions) | 4.4221% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4835% | 1,225 |
| Loan loss allowance to noncurrent loans | 80.3207% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 3.2356% | 1,585 |
| Noncurrent loans to loans | 3.0920% | 1,797 |
| Net loans and leases to total assets | 53.3819% | 4,841 |
| Net loans and leases to deposits | 68.1274% | 4,162 |
| Net loans and leases to core deposits | 71.6053% | 4,304 |
| Total domestic deposits to total assets | 78.3560% | 6,002 |
| Equity capital to assets | 12.1663% | 2,139 |
| Core capital (leverage) ratio | 11.7968% | 1,770 |
| Tier 1 risk-based capital ratio | 22.9845% | 1,174 |
| Total risk-based capital ratio | 24.2556% | 1,145 |
| Memoranda: | ||
| Average total assets | $772,869,000 | 866 |
| Average earning assets | $723,279,750 | 831 |
| Average equity | $90,249,500 | 775 |
| Average total loans | $422,327,750 | 994 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 6,570 |
| Cost of funding earning assets | 1.0230% | 1,627 |
| Net interest margin | 2.5088% | 6,881 |
| Noninterest income to average assets | 0.7906% | 2,229 |
| Noninterest expense to average assets | 2.7857% | 4,071 |
| Loan and lease loss provision to assets | 0.4849% | 1,307 |
| Net operating income to assets | -0.1070% | 6,445 |
| Return on assets (ROA) | 0.0654% | 6,370 |
| Pretax return on assets | 0.0810% | 6,354 |
| Return on Equity (ROE) | 0.5676% | 6,376 |
| Retained earnings to average equity (ytd only) | 0.5676% | 5,838 |
| Net charge-offs to loans | 0.4484% | 2,261 |
| Credit loss provision to net charge-offs | 198.0105% | 1,441 |
| Earnings coverage of net charge-offs (x) | 1.4419% | 4,276 |
| Efficiency ratio | 88.7500% | 1,172 |
| Assets per employee ($millions) | 4.6025% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7894% | 957 |
| Loan loss allowance to noncurrent loans | 63.4215% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 3.4515% | 1,548 |
| Noncurrent loans to loans | 4.3982% | 1,214 |
| Net loans and leases to total assets | 51.8067% | 5,123 |
| Net loans and leases to deposits | 66.2970% | 4,472 |
| Net loans and leases to core deposits | 69.5856% | 4,579 |
| Total domestic deposits to total assets | 78.1434% | 6,131 |
| Equity capital to assets | 11.6057% | 2,483 |
| Core capital (leverage) ratio | 11.5418% | 1,872 |
| Tier 1 risk-based capital ratio | 22.1350% | 1,265 |
| Total risk-based capital ratio | 23.4083% | 1,242 |
| Memoranda: | ||
| Average total assets | $779,908,330 | 857 |
| Average earning assets | $729,989,330 | 828 |
| Average equity | $89,846,000 | 774 |
| Average total loans | $425,930,670 | 989 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5775% | 6,603 |
| Cost of funding earning assets | 1.0706% | 1,552 |
| Net interest margin | 2.5069% | 6,951 |
| Noninterest income to average assets | 0.7294% | 2,501 |
| Noninterest expense to average assets | 2.7879% | 4,086 |
| Loan and lease loss provision to assets | 0.3063% | 2,056 |
| Net operating income to assets | -0.0120% | 6,438 |
| Return on assets (ROA) | 0.1629% | 6,219 |
| Pretax return on assets | 0.2382% | 6,115 |
| Return on Equity (ROE) | 1.4191% | 6,249 |
| Retained earnings to average equity (ytd only) | 1.4191% | 5,528 |
| Net charge-offs to loans | 0.6144% | 1,557 |
| Credit loss provision to net charge-offs | 90.1961% | 2,541 |
| Earnings coverage of net charge-offs (x) | 0.8462% | 3,903 |
| Efficiency ratio | 90.6562% | 1,042 |
| Assets per employee ($millions) | 4.5650% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4936% | 1,367 |
| Loan loss allowance to noncurrent loans | 58.4731% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 3.5047% | 1,640 |
| Noncurrent loans to loans | 4.2646% | 1,405 |
| Net loans and leases to total assets | 53.2175% | 4,851 |
| Net loans and leases to deposits | 67.5010% | 4,148 |
| Net loans and leases to core deposits | 71.0288% | 4,288 |
| Total domestic deposits to total assets | 78.8395% | 6,112 |
| Equity capital to assets | 11.5385% | 2,404 |
| Core capital (leverage) ratio | 11.4620% | 1,919 |
| Tier 1 risk-based capital ratio | 21.8766% | 1,306 |
| Total risk-based capital ratio | 23.1455% | 1,276 |
| Memoranda: | ||
| Average total assets | $780,948,500 | 851 |
| Average earning assets | $730,784,000 | 824 |
| Average equity | $89,633,000 | 774 |
| Average total loans | $431,631,000 | 967 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0701% | 6,319 |
| Cost of funding earning assets | 1.2152% | 1,930 |
| Net interest margin | 2.8548% | 6,754 |
| Noninterest income to average assets | 0.7423% | 2,379 |
| Noninterest expense to average assets | 2.8418% | 4,192 |
| Loan and lease loss provision to assets | 0.4927% | 2,144 |
| Net operating income to assets | 0.0396% | 5,980 |
| Return on assets (ROA) | 0.1614% | 5,838 |
| Pretax return on assets | 0.2423% | 5,684 |
| Return on Equity (ROE) | 1.7759% | 5,740 |
| Retained earnings to average equity (ytd only) | 1.7759% | 4,949 |
| Net charge-offs to loans | 1.2352% | 1,348 |
| Credit loss provision to net charge-offs | 64.8783% | 5,037 |
| Earnings coverage of net charge-offs (x) | 0.7283% | 5,264 |
| Efficiency ratio | 83.7072% | 1,801 |
| Assets per employee ($millions) | 4.7057% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 1,434 |
| Loan loss allowance to noncurrent loans | 51.5323% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 3.6581% | 1,606 |
| Noncurrent loans to loans | 4.6900% | 1,258 |
| Net loans and leases to total assets | 54.6008% | 4,933 |
| Net loans and leases to deposits | 68.6201% | 4,344 |
| Net loans and leases to core deposits | 72.1190% | 4,512 |
| Total domestic deposits to total assets | 79.5697% | 5,853 |
| Equity capital to assets | 11.4171% | 2,578 |
| Core capital (leverage) ratio | 11.0902% | 2,201 |
| Tier 1 risk-based capital ratio | 21.3458% | 1,346 |
| Total risk-based capital ratio | 22.6174% | 1,316 |
| Memoranda: | ||
| Average total assets | $768,168,600 | 856 |
| Average earning assets | $713,774,400 | 833 |
| Average equity | $69,825,000 | 961 |
| Average total loans | $472,313,400 | 883 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 6,228 |
| Cost of funding earning assets | 1.2470% | 2,013 |
| Net interest margin | 2.9438% | 6,685 |
| Noninterest income to average assets | 0.7940% | 2,083 |
| Noninterest expense to average assets | 2.8038% | 4,330 |
| Loan and lease loss provision to assets | 0.3163% | 3,004 |
| Net operating income to assets | 0.2598% | 5,538 |
| Return on assets (ROA) | 0.3313% | 5,454 |
| Pretax return on assets | 0.5171% | 5,106 |
| Return on Equity (ROE) | 3.9022% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.9022% | 3,944 |
| Net charge-offs to loans | 1.0032% | 1,606 |
| Credit loss provision to net charge-offs | 50.1245% | 5,032 |
| Earnings coverage of net charge-offs (x) | 1.1436% | 4,770 |
| Efficiency ratio | 79.5296% | 2,328 |
| Assets per employee ($millions) | 4.8417% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3912% | 1,544 |
| Loan loss allowance to noncurrent loans | 94.0164% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 2.7866% | 2,332 |
| Noncurrent loans to loans | 2.5433% | 2,725 |
| Net loans and leases to total assets | 55.5579% | 4,909 |
| Net loans and leases to deposits | 66.6003% | 4,814 |
| Net loans and leases to core deposits | 69.7223% | 4,988 |
| Total domestic deposits to total assets | 83.4198% | 4,514 |
| Equity capital to assets | 8.4719% | 6,321 |
| Core capital (leverage) ratio | 8.7814% | 5,293 |
| Tier 1 risk-based capital ratio | 15.3942% | 3,435 |
| Total risk-based capital ratio | 16.6654% | 3,403 |
| Memoranda: | ||
| Average total assets | $763,749,250 | 864 |
| Average earning assets | $708,682,000 | 849 |
| Average equity | $64,851,000 | 1,043 |
| Average total loans | $480,465,500 | 886 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 5,936 |
| Cost of funding earning assets | 1.2941% | 1,975 |
| Net interest margin | 3.0306% | 6,550 |
| Noninterest income to average assets | 0.8324% | 1,882 |
| Noninterest expense to average assets | 2.8690% | 4,144 |
| Loan and lease loss provision to assets | 0.2878% | 3,085 |
| Net operating income to assets | 0.3144% | 5,309 |
| Return on assets (ROA) | 0.3529% | 5,300 |
| Pretax return on assets | 0.5425% | 4,927 |
| Return on Equity (ROE) | 4.1529% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.1529% | 3,554 |
| Net charge-offs to loans | 0.5746% | 2,384 |
| Credit loss provision to net charge-offs | 77.0107% | 3,853 |
| Earnings coverage of net charge-offs (x) | 2.0633% | 3,824 |
| Efficiency ratio | 78.8193% | 2,583 |
| Assets per employee ($millions) | 4.5771% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6185% | 1,290 |
| Loan loss allowance to noncurrent loans | 111.5798% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 2.7262% | 2,454 |
| Noncurrent loans to loans | 2.3467% | 3,047 |
| Net loans and leases to total assets | 60.8304% | 4,122 |
| Net loans and leases to deposits | 74.3486% | 3,746 |
| Net loans and leases to core deposits | 78.5157% | 3,993 |
| Total domestic deposits to total assets | 81.8178% | 5,226 |
| Equity capital to assets | 8.6791% | 5,967 |
| Core capital (leverage) ratio | 8.7500% | 5,139 |
| Tier 1 risk-based capital ratio | 14.4118% | 3,856 |
| Total risk-based capital ratio | 15.6832% | 3,810 |
| Memoranda: | ||
| Average total assets | $752,036,330 | 889 |
| Average earning assets | $696,685,330 | 873 |
| Average equity | $63,907,670 | 1,056 |
| Average total loans | $489,048,000 | 884 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 6,092 |
| Cost of funding earning assets | 1.3273% | 2,025 |
| Net interest margin | 2.9454% | 6,682 |
| Noninterest income to average assets | 0.8576% | 1,825 |
| Noninterest expense to average assets | 2.7696% | 4,567 |
| Loan and lease loss provision to assets | 0.3502% | 2,459 |
| Net operating income to assets | 0.3118% | 5,350 |
| Return on assets (ROA) | 0.3118% | 5,420 |
| Pretax return on assets | 0.4632% | 5,143 |
| Return on Equity (ROE) | 3.7091% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.7091% | 3,949 |
| Net charge-offs to loans | 0.5634% | 2,078 |
| Credit loss provision to net charge-offs | 93.7233% | 2,867 |
| Earnings coverage of net charge-offs (x) | 2.1769% | 3,223 |
| Efficiency ratio | 77.2984% | 2,943 |
| Assets per employee ($millions) | 4.6927% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5969% | 1,317 |
| Loan loss allowance to noncurrent loans | 89.0204% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 3.2893% | 2,083 |
| Noncurrent loans to loans | 2.9171% | 2,578 |
| Net loans and leases to total assets | 63.1039% | 3,628 |
| Net loans and leases to deposits | 76.7042% | 3,298 |
| Net loans and leases to core deposits | 82.0098% | 3,455 |
| Total domestic deposits to total assets | 82.2692% | 5,201 |
| Equity capital to assets | 8.4300% | 6,014 |
| Core capital (leverage) ratio | 8.6356% | 5,196 |
| Tier 1 risk-based capital ratio | 13.6730% | 4,308 |
| Total risk-based capital ratio | 14.9428% | 4,263 |
| Memoranda: | ||
| Average total assets | $750,440,000 | 896 |
| Average earning assets | $694,360,500 | 881 |
| Average equity | $63,088,000 | 1,064 |
| Average total loans | $497,691,000 | 885 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 5,929 |
| Cost of funding earning assets | 1.6154% | 1,976 |
| Net interest margin | 3.0429% | 6,654 |
| Noninterest income to average assets | 0.8541% | 2,036 |
| Noninterest expense to average assets | 2.8883% | 4,282 |
| Loan and lease loss provision to assets | 2.9486% | 331 |
| Net operating income to assets | -1.3111% | 6,834 |
| Return on assets (ROA) | -1.2439% | 6,825 |
| Pretax return on assets | -2.0428% | 7,040 |
| Return on Equity (ROE) | -13.4200% | 6,865 |
| Retained earnings to average equity (ytd only) | -13.4200% | 6,817 |
| Net charge-offs to loans | 3.3383% | 455 |
| Credit loss provision to net charge-offs | 119.6510% | 3,533 |
| Earnings coverage of net charge-offs (x) | 0.3250% | 5,782 |
| Efficiency ratio | 78.2916% | 2,656 |
| Assets per employee ($millions) | 4.5458% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4906% | 1,420 |
| Loan loss allowance to noncurrent loans | 94.4279% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 3.2096% | 2,206 |
| Noncurrent loans to loans | 2.6376% | 2,884 |
| Net loans and leases to total assets | 66.1650% | 3,435 |
| Net loans and leases to deposits | 79.9409% | 3,185 |
| Net loans and leases to core deposits | 85.5167% | 3,394 |
| Total domestic deposits to total assets | 82.7675% | 4,895 |
| Equity capital to assets | 8.3836% | 6,028 |
| Core capital (leverage) ratio | 8.3642% | 5,590 |
| Tier 1 risk-based capital ratio | 13.0445% | 4,567 |
| Total risk-based capital ratio | 14.3134% | 4,511 |
| Memoranda: | ||
| Average total assets | $760,320,400 | 887 |
| Average earning assets | $708,371,400 | 869 |
| Average equity | $70,476,800 | 957 |
| Average total loans | $561,278,600 | 801 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 5,851 |
| Cost of funding earning assets | 1.6592% | 2,050 |
| Net interest margin | 3.0912% | 6,632 |
| Noninterest income to average assets | 0.8382% | 2,039 |
| Noninterest expense to average assets | 2.8561% | 4,254 |
| Loan and lease loss provision to assets | 3.1999% | 255 |
| Net operating income to assets | -1.4278% | 7,088 |
| Return on assets (ROA) | -1.3386% | 7,074 |
| Pretax return on assets | -2.1925% | 7,246 |
| Return on Equity (ROE) | -14.1093% | 7,074 |
| Retained earnings to average equity (ytd only) | -14.1093% | 7,042 |
| Net charge-offs to loans | 2.4189% | 712 |
| Credit loss provision to net charge-offs | 175.7102% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.4766% | 5,548 |
| Efficiency ratio | 76.6942% | 2,817 |
| Assets per employee ($millions) | 4.7549% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1319% | 743 |
| Loan loss allowance to noncurrent loans | 181.8309% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 2.5544% | 2,814 |
| Noncurrent loans to loans | 1.7224% | 4,062 |
| Net loans and leases to total assets | 67.7902% | 3,269 |
| Net loans and leases to deposits | 81.8335% | 3,139 |
| Net loans and leases to core deposits | 88.6422% | 3,296 |
| Total domestic deposits to total assets | 82.8391% | 4,661 |
| Equity capital to assets | 8.6973% | 6,018 |
| Core capital (leverage) ratio | 8.7158% | 5,156 |
| Tier 1 risk-based capital ratio | 13.2958% | 4,355 |
| Total risk-based capital ratio | 14.5728% | 4,300 |
| Memoranda: | ||
| Average total assets | $762,887,500 | 883 |
| Average earning assets | $712,198,250 | 863 |
| Average equity | $72,375,750 | 922 |
| Average total loans | $574,361,250 | 791 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 5,659 |
| Cost of funding earning assets | 1.6834% | 2,203 |
| Net interest margin | 3.1531% | 6,456 |
| Noninterest income to average assets | 0.8361% | 1,938 |
| Noninterest expense to average assets | 2.6730% | 5,023 |
| Loan and lease loss provision to assets | 1.1759% | 1,202 |
| Net operating income to assets | -0.0406% | 6,134 |
| Return on assets (ROA) | 0.0907% | 6,002 |
| Pretax return on assets | 0.1418% | 5,899 |
| Return on Equity (ROE) | 0.9303% | 5,970 |
| Retained earnings to average equity (ytd only) | 0.9303% | 5,387 |
| Net charge-offs to loans | 1.1496% | 1,654 |
| Credit loss provision to net charge-offs | 132.7100% | 3,033 |
| Earnings coverage of net charge-offs (x) | 1.2556% | 4,565 |
| Efficiency ratio | 70.6107% | 4,057 |
| Assets per employee ($millions) | 4.6989% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 2,782 |
| Loan loss allowance to noncurrent loans | 66.1968% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 3.0080% | 2,369 |
| Noncurrent loans to loans | 2.6909% | 2,960 |
| Net loans and leases to total assets | 72.2462% | 2,336 |
| Net loans and leases to deposits | 88.6515% | 2,062 |
| Net loans and leases to core deposits | 96.1925% | 2,420 |
| Total domestic deposits to total assets | 81.4947% | 5,199 |
| Equity capital to assets | 9.7023% | 4,407 |
| Core capital (leverage) ratio | 10.0554% | 3,109 |
| Tier 1 risk-based capital ratio | 14.3959% | 3,491 |
| Total risk-based capital ratio | 15.6572% | 3,457 |
| Memoranda: | ||
| Average total assets | $760,419,000 | 891 |
| Average earning assets | $711,298,000 | 868 |
| Average equity | $74,169,330 | 887 |
| Average total loans | $586,126,330 | 774 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 5,230 |
| Cost of funding earning assets | 1.7294% | 2,238 |
| Net interest margin | 3.2224% | 6,221 |
| Noninterest income to average assets | 0.7991% | 2,025 |
| Noninterest expense to average assets | 2.7268% | 4,779 |
| Loan and lease loss provision to assets | 0.9845% | 1,266 |
| Net operating income to assets | 0.0630% | 6,122 |
| Return on assets (ROA) | 0.2277% | 5,706 |
| Pretax return on assets | 0.3559% | 5,433 |
| Return on Equity (ROE) | 2.3284% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.3284% | 4,741 |
| Net charge-offs to loans | 1.1944% | 1,426 |
| Credit loss provision to net charge-offs | 104.4969% | 3,281 |
| Earnings coverage of net charge-offs (x) | 1.1495% | 4,077 |
| Efficiency ratio | 71.5735% | 4,002 |
| Assets per employee ($millions) | 4.7281% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 3,694 |
| Loan loss allowance to noncurrent loans | 51.7863% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 2.8391% | 2,549 |
| Noncurrent loans to loans | 2.9764% | 2,696 |
| Net loans and leases to total assets | 76.1432% | 1,511 |
| Net loans and leases to deposits | 93.6538% | 1,390 |
| Net loans and leases to core deposits | 101.0853% | 2,020 |
| Total domestic deposits to total assets | 81.3029% | 5,345 |
| Equity capital to assets | 9.7332% | 4,185 |
| Core capital (leverage) ratio | 10.1274% | 3,006 |
| Tier 1 risk-based capital ratio | 13.7834% | 3,809 |
| Total risk-based capital ratio | 15.0335% | 3,761 |
| Memoranda: | ||
| Average total assets | $755,321,000 | 919 |
| Average earning assets | $705,681,000 | 893 |
| Average equity | $73,870,500 | 901 |
| Average total loans | $595,771,000 | 775 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1976% | 5,661 |
| Cost of funding earning assets | 2.1421% | 2,266 |
| Net interest margin | 3.0554% | 6,503 |
| Noninterest income to average assets | 0.8846% | 2,009 |
| Noninterest expense to average assets | 2.8768% | 4,625 |
| Loan and lease loss provision to assets | 0.6338% | 3,271 |
| Net operating income to assets | 0.1600% | 5,019 |
| Return on assets (ROA) | 0.2085% | 4,936 |
| Pretax return on assets | 0.3162% | 4,717 |
| Return on Equity (ROE) | 2.1501% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.1501% | 3,601 |
| Net charge-offs to loans | 0.3405% | 4,524 |
| Credit loss provision to net charge-offs | 225.6423% | 1,657 |
| Earnings coverage of net charge-offs (x) | 3.1207% | 3,501 |
| Efficiency ratio | 76.6460% | 3,414 |
| Assets per employee ($millions) | 4.5976% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 3,772 |
| Loan loss allowance to noncurrent loans | 54.2330% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.7065% | 2,583 |
| Noncurrent loans to loans | 2.7510% | 2,813 |
| Net loans and leases to total assets | 79.2420% | 1,140 |
| Net loans and leases to deposits | 97.3774% | 1,168 |
| Net loans and leases to core deposits | 119.9457% | 1,952 |
| Total domestic deposits to total assets | 81.3762% | 5,204 |
| Equity capital to assets | 9.8276% | 3,974 |
| Core capital (leverage) ratio | 10.1267% | 2,973 |
| Tier 1 risk-based capital ratio | 13.7203% | 3,671 |
| Total risk-based capital ratio | 14.9766% | 3,609 |
| Memoranda: | ||
| Average total assets | $734,460,400 | 928 |
| Average earning assets | $689,591,200 | 903 |
| Average equity | $71,205,000 | 918 |
| Average total loans | $605,869,800 | 776 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 5,666 |
| Cost of funding earning assets | 2.2177% | 2,318 |
| Net interest margin | 3.0354% | 6,505 |
| Noninterest income to average assets | 0.8846% | 2,044 |
| Noninterest expense to average assets | 2.9225% | 4,359 |
| Loan and lease loss provision to assets | 0.5040% | 3,372 |
| Net operating income to assets | 0.1977% | 5,165 |
| Return on assets (ROA) | 0.2602% | 5,042 |
| Pretax return on assets | 0.4065% | 4,788 |
| Return on Equity (ROE) | 2.6933% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.6933% | 3,822 |
| Net charge-offs to loans | 0.2996% | 4,154 |
| Credit loss provision to net charge-offs | 202.6412% | 2,199 |
| Earnings coverage of net charge-offs (x) | 3.2685% | 3,604 |
| Efficiency ratio | 78.2386% | 3,128 |
| Assets per employee ($millions) | 4.6855% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 4,540 |
| Loan loss allowance to noncurrent loans | 105.9487% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6506% | 3,890 |
| Noncurrent loans to loans | 1.2209% | 4,906 |
| Net loans and leases to total assets | 79.4075% | 1,305 |
| Net loans and leases to deposits | 97.4604% | 1,385 |
| Net loans and leases to core deposits | 121.5407% | 2,112 |
| Total domestic deposits to total assets | 81.4767% | 4,886 |
| Equity capital to assets | 9.5607% | 4,662 |
| Core capital (leverage) ratio | 10.0842% | 3,199 |
| Tier 1 risk-based capital ratio | 13.5408% | 3,819 |
| Total risk-based capital ratio | 14.7925% | 3,753 |
| Memoranda: | ||
| Average total assets | $730,722,500 | 945 |
| Average earning assets | $686,283,000 | 915 |
| Average equity | $70,594,000 | 942 |
| Average total loans | $606,626,500 | 791 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2777% | 5,754 |
| Cost of funding earning assets | 2.2741% | 2,473 |
| Net interest margin | 3.0037% | 6,541 |
| Noninterest income to average assets | 0.8669% | 2,109 |
| Noninterest expense to average assets | 2.9688% | 4,216 |
| Loan and lease loss provision to assets | 0.5848% | 2,691 |
| Net operating income to assets | 0.0809% | 5,619 |
| Return on assets (ROA) | 0.1419% | 5,539 |
| Pretax return on assets | 0.2217% | 5,409 |
| Return on Equity (ROE) | 1.4637% | 5,471 |
| Retained earnings to average equity (ytd only) | 1.4637% | 4,511 |
| Net charge-offs to loans | 0.3073% | 3,651 |
| Credit loss provision to net charge-offs | 226.7666% | 2,029 |
| Earnings coverage of net charge-offs (x) | 2.7580% | 3,705 |
| Efficiency ratio | 80.6737% | 2,939 |
| Assets per employee ($millions) | 4.3207% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 4,750 |
| Loan loss allowance to noncurrent loans | 98.5709% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.4475% | 4,078 |
| Noncurrent loans to loans | 1.2467% | 4,714 |
| Net loans and leases to total assets | 82.0525% | 948 |
| Net loans and leases to deposits | 101.0786% | 1,165 |
| Net loans and leases to core deposits | 124.1180% | 2,014 |
| Total domestic deposits to total assets | 81.1769% | 5,009 |
| Equity capital to assets | 9.4591% | 4,662 |
| Core capital (leverage) ratio | 10.2140% | 3,080 |
| Tier 1 risk-based capital ratio | 13.3120% | 3,929 |
| Total risk-based capital ratio | 14.5631% | 3,856 |
| Memoranda: | ||
| Average total assets | $724,404,670 | 966 |
| Average earning assets | $678,436,330 | 940 |
| Average equity | $70,234,000 | 950 |
| Average total loans | $607,802,000 | 806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 5,573 |
| Cost of funding earning assets | 2.3124% | 2,642 |
| Net interest margin | 3.0574% | 6,311 |
| Noninterest income to average assets | 0.8984% | 1,859 |
| Noninterest expense to average assets | 2.9269% | 4,066 |
| Loan and lease loss provision to assets | 0.4481% | 2,682 |
| Net operating income to assets | 0.2383% | 5,537 |
| Return on assets (ROA) | 0.2383% | 5,697 |
| Pretax return on assets | 0.3726% | 5,474 |
| Return on Equity (ROE) | 2.4273% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.4273% | 4,523 |
| Net charge-offs to loans | 0.2892% | 2,961 |
| Credit loss provision to net charge-offs | 183.7156% | 2,368 |
| Earnings coverage of net charge-offs (x) | 3.3647% | 3,201 |
| Efficiency ratio | 78.1012% | 3,149 |
| Assets per employee ($millions) | 4.1869% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 5,409 |
| Loan loss allowance to noncurrent loans | 106.6688% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 4,176 |
| Noncurrent loans to loans | 1.0385% | 4,915 |
| Net loans and leases to total assets | 83.3866% | 789 |
| Net loans and leases to deposits | 105.6589% | 896 |
| Net loans and leases to core deposits | 129.4375% | 1,697 |
| Total domestic deposits to total assets | 78.9205% | 5,758 |
| Equity capital to assets | 9.7307% | 4,333 |
| Core capital (leverage) ratio | 10.6479% | 2,789 |
| Tier 1 risk-based capital ratio | 13.5327% | 3,843 |
| Total risk-based capital ratio | 14.7556% | 3,786 |
| Memoranda: | ||
| Average total assets | $715,023,500 | 979 |
| Average earning assets | $666,325,000 | 957 |
| Average equity | $70,202,500 | 961 |
| Average total loans | $603,016,000 | 818 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8545% | 6,258 |
| Cost of funding earning assets | 2.6596% | 3,376 |
| Net interest margin | 3.1949% | 6,384 |
| Noninterest income to average assets | 0.7755% | 2,641 |
| Noninterest expense to average assets | 2.7491% | 5,052 |
| Loan and lease loss provision to assets | 0.4541% | 3,018 |
| Net operating income to assets | 0.3622% | 5,304 |
| Return on assets (ROA) | 0.3622% | 5,105 |
| Pretax return on assets | 0.5680% | 4,786 |
| Return on Equity (ROE) | 3.3987% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.3987% | 3,032 |
| Net charge-offs to loans | 0.3077% | 3,341 |
| Credit loss provision to net charge-offs | 177.2674% | 2,857 |
| Earnings coverage of net charge-offs (x) | 3.9901% | 4,154 |
| Efficiency ratio | 72.8971% | 3,770 |
| Assets per employee ($millions) | 4.0558% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,449 |
| Loan loss allowance to noncurrent loans | 180.3154% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 3,410 |
| Noncurrent loans to loans | 0.5965% | 5,585 |
| Net loans and leases to total assets | 83.4427% | 969 |
| Net loans and leases to deposits | 109.5524% | 865 |
| Net loans and leases to core deposits | 132.2974% | 1,704 |
| Total domestic deposits to total assets | 76.1669% | 6,201 |
| Equity capital to assets | 9.9080% | 4,151 |
| Core capital (leverage) ratio | 10.9009% | 2,668 |
| Tier 1 risk-based capital ratio | 13.7121% | 3,686 |
| Total risk-based capital ratio | 14.8916% | 3,641 |
| Memoranda: | ||
| Average total assets | $671,463,200 | 993 |
| Average earning assets | $629,596,400 | 963 |
| Average equity | $71,556,400 | 927 |
| Average total loans | $559,028,800 | 850 |