Home > Barre Savings Bank > Performance and Condition Ratios
Barre Savings Bank, Performance and Condition Ratios
| 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 | 3.8943% | 3,606 |
| Cost of funding earning assets | 0.5644% | 1,588 |
| Net interest margin | 3.3299% | 4,108 |
| Noninterest income to average assets | 0.3220% | 4,427 |
| Noninterest expense to average assets | 13.7579% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -8.1425% | 6,119 |
| Return on assets (ROA) | -8.1196% | 6,119 |
| Pretax return on assets | -10.2920% | 6,121 |
| Return on Equity (ROE) | -89.4739% | 6,116 |
| Retained earnings to average equity (ytd only) | -89.4739% | 6,104 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 400.3072% | 5 |
| Assets per employee ($millions) | 4.6465% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 3,349 |
| Loan loss allowance to noncurrent loans | 142.1578% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 3,099 |
| Noncurrent loans to loans | 0.8602% | 2,697 |
| Net loans and leases to total assets | 74.9610% | 1,560 |
| Net loans and leases to deposits | 91.6083% | 1,395 |
| Net loans and leases to core deposits | 97.9171% | 1,644 |
| Total domestic deposits to total assets | 81.8278% | 4,276 |
| Equity capital to assets | 8.0341% | 5,814 |
| Core capital (leverage) ratio | 7.4919% | 5,926 |
| Tier 1 risk-based capital ratio | 10.5258% | 5,740 |
| Total risk-based capital ratio | 11.9561% | 5,571 |
| Memoranda: | ||
| Average total assets | $151,535,000 | 3,564 |
| Average earning assets | $141,744,500 | 3,531 |
| Average equity | $13,751,500 | 4,037 |
| Average total loans | $117,049,000 | 3,132 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 3,727 |
| Cost of funding earning assets | 0.5721% | 1,579 |
| Net interest margin | 3.3214% | 4,206 |
| Noninterest income to average assets | 0.4813% | 3,454 |
| Noninterest expense to average assets | 3.0770% | 2,304 |
| Loan and lease loss provision to assets | 0.0066% | 4,264 |
| Net operating income to assets | 0.3252% | 5,285 |
| Return on assets (ROA) | 0.4635% | 4,912 |
| Pretax return on assets | 0.6969% | 4,539 |
| Return on Equity (ROE) | 4.7264% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.7264% | 2,621 |
| Net charge-offs to loans | 0.0550% | 3,108 |
| Credit loss provision to net charge-offs | 15.3846% | 3,780 |
| Earnings coverage of net charge-offs (x) | 11.6000% | 2,552 |
| Efficiency ratio | 86.0911% | 985 |
| Assets per employee ($millions) | 4.4040% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 3,433 |
| Loan loss allowance to noncurrent loans | 134.7538% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 2,936 |
| Noncurrent loans to loans | 0.8969% | 2,545 |
| Net loans and leases to total assets | 77.6775% | 1,169 |
| Net loans and leases to deposits | 96.6761% | 941 |
| Net loans and leases to core deposits | 103.4032% | 1,265 |
| Total domestic deposits to total assets | 80.3482% | 4,653 |
| Equity capital to assets | 10.1404% | 3,819 |
| Core capital (leverage) ratio | 9.7774% | 3,807 |
| Tier 1 risk-based capital ratio | 13.8523% | 3,802 |
| Total risk-based capital ratio | 15.2324% | 3,652 |
| Memoranda: | ||
| Average total assets | $151,676,000 | 3,546 |
| Average earning assets | $141,234,600 | 3,525 |
| Average equity | $14,874,000 | 3,855 |
| Average total loans | $118,198,200 | 3,080 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 3,833 |
| Cost of funding earning assets | 0.5719% | 1,610 |
| Net interest margin | 3.3022% | 4,331 |
| Noninterest income to average assets | 0.4145% | 3,973 |
| Noninterest expense to average assets | 3.1063% | 2,206 |
| Loan and lease loss provision to assets | 0.0088% | 4,089 |
| Net operating income to assets | 0.2307% | 5,615 |
| Return on assets (ROA) | 0.3277% | 5,457 |
| Pretax return on assets | 0.5222% | 5,166 |
| Return on Equity (ROE) | 3.3701% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.3701% | 4,070 |
| Net charge-offs to loans | -0.1003% | 5,787 |
| Credit loss provision to net charge-offs | -11.2360% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1151% | 755 |
| Assets per employee ($millions) | 4.3505% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,910 |
| Loan loss allowance to noncurrent loans | 133.0802% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 2,693 |
| Noncurrent loans to loans | 1.0058% | 2,463 |
| Net loans and leases to total assets | 76.3353% | 1,344 |
| Net loans and leases to deposits | 93.4530% | 1,261 |
| Net loans and leases to core deposits | 99.7237% | 1,542 |
| Total domestic deposits to total assets | 81.6831% | 4,262 |
| Equity capital to assets | 9.7538% | 4,444 |
| Core capital (leverage) ratio | 9.5230% | 4,272 |
| Tier 1 risk-based capital ratio | 13.6559% | 4,048 |
| Total risk-based capital ratio | 15.0094% | 3,928 |
| Memoranda: | ||
| Average total assets | $152,160,750 | 3,568 |
| Average earning assets | $141,516,500 | 3,550 |
| Average equity | $14,796,500 | 3,904 |
| Average total loans | $118,314,000 | 3,100 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,868 |
| Cost of funding earning assets | 0.5727% | 1,624 |
| Net interest margin | 3.2777% | 4,386 |
| Noninterest income to average assets | 0.4154% | 3,964 |
| Noninterest expense to average assets | 3.0791% | 2,307 |
| Loan and lease loss provision to assets | -0.0263% | 5,989 |
| Net operating income to assets | 0.2207% | 5,644 |
| Return on assets (ROA) | 0.3629% | 5,365 |
| Pretax return on assets | 0.6324% | 4,886 |
| Return on Equity (ROE) | 3.7353% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.7353% | 3,640 |
| Net charge-offs to loans | -0.1384% | 5,905 |
| Credit loss provision to net charge-offs | 24.3902% | 2,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9142% | 836 |
| Assets per employee ($millions) | 4.6358% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 3,257 |
| Loan loss allowance to noncurrent loans | 119.1029% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 2,650 |
| Noncurrent loans to loans | 1.0889% | 2,474 |
| Net loans and leases to total assets | 76.6131% | 1,287 |
| Net loans and leases to deposits | 96.7269% | 893 |
| Net loans and leases to core deposits | 103.3627% | 1,233 |
| Total domestic deposits to total assets | 79.2055% | 5,047 |
| Equity capital to assets | 9.6743% | 4,435 |
| Core capital (leverage) ratio | 9.2586% | 4,608 |
| Tier 1 risk-based capital ratio | 13.3931% | 4,280 |
| Total risk-based capital ratio | 14.8548% | 4,087 |
| Memoranda: | ||
| Average total assets | $152,124,670 | 3,596 |
| Average earning assets | $141,439,000 | 3,578 |
| Average equity | $14,778,000 | 3,923 |
| Average total loans | $118,481,330 | 3,112 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 3,945 |
| Cost of funding earning assets | 0.5700% | 1,663 |
| Net interest margin | 3.2471% | 4,431 |
| Noninterest income to average assets | 0.4351% | 3,730 |
| Noninterest expense to average assets | 3.1009% | 2,267 |
| Loan and lease loss provision to assets | -0.1318% | 6,226 |
| Net operating income to assets | 0.1591% | 5,766 |
| Return on assets (ROA) | 0.3903% | 5,222 |
| Pretax return on assets | 0.8464% | 4,076 |
| Return on Equity (ROE) | 4.0089% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.0089% | 3,599 |
| Net charge-offs to loans | -0.2670% | 6,116 |
| Credit loss provision to net charge-offs | 63.2911% | 1,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7710% | 863 |
| Assets per employee ($millions) | 4.3284% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 3,552 |
| Loan loss allowance to noncurrent loans | 114.8628% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0099% | 2,606 |
| Noncurrent loans to loans | 1.1098% | 2,549 |
| Net loans and leases to total assets | 77.0385% | 1,052 |
| Net loans and leases to deposits | 98.5818% | 642 |
| Net loans and leases to core deposits | 105.7818% | 953 |
| Total domestic deposits to total assets | 78.1468% | 5,417 |
| Equity capital to assets | 9.7978% | 4,390 |
| Core capital (leverage) ratio | 9.4601% | 4,337 |
| Tier 1 risk-based capital ratio | 13.3486% | 4,396 |
| Total risk-based capital ratio | 14.8148% | 4,208 |
| Memoranda: | ||
| Average total assets | $151,695,500 | 3,628 |
| Average earning assets | $141,048,000 | 3,609 |
| Average equity | $14,767,000 | 3,953 |
| Average total loans | $118,349,500 | 3,115 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 4,391 |
| Cost of funding earning assets | 0.6140% | 1,645 |
| Net interest margin | 3.2158% | 4,869 |
| Noninterest income to average assets | 0.4671% | 3,736 |
| Noninterest expense to average assets | 3.0078% | 2,820 |
| Loan and lease loss provision to assets | 0.1503% | 1,747 |
| Net operating income to assets | 0.2195% | 5,728 |
| Return on assets (ROA) | 0.4273% | 5,199 |
| Pretax return on assets | 0.5697% | 5,031 |
| Return on Equity (ROE) | 4.5665% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.5665% | 2,926 |
| Net charge-offs to loans | 1.2687% | 209 |
| Credit loss provision to net charge-offs | 15.1915% | 4,036 |
| Earnings coverage of net charge-offs (x) | 0.4478% | 4,639 |
| Efficiency ratio | 87.1640% | 1,058 |
| Assets per employee ($millions) | 4.2194% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 3,733 |
| Loan loss allowance to noncurrent loans | 99.0617% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9822% | 2,791 |
| Noncurrent loans to loans | 1.2592% | 2,344 |
| Net loans and leases to total assets | 77.0293% | 1,125 |
| Net loans and leases to deposits | 100.8925% | 573 |
| Net loans and leases to core deposits | 103.4627% | 1,154 |
| Total domestic deposits to total assets | 76.3479% | 5,683 |
| Equity capital to assets | 9.6716% | 4,508 |
| Core capital (leverage) ratio | 9.0655% | 4,880 |
| Tier 1 risk-based capital ratio | 13.3320% | 4,525 |
| Total risk-based capital ratio | 14.8601% | 4,281 |
| Memoranda: | ||
| Average total assets | $153,069,800 | 3,582 |
| Average earning assets | $142,019,400 | 3,566 |
| Average equity | $14,321,800 | 3,974 |
| Average total loans | $119,333,600 | 3,057 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 4,501 |
| Cost of funding earning assets | 0.6241% | 1,647 |
| Net interest margin | 3.1872% | 5,006 |
| Noninterest income to average assets | 0.4912% | 3,606 |
| Noninterest expense to average assets | 2.8881% | 3,168 |
| Loan and lease loss provision to assets | 0.2260% | 997 |
| Net operating income to assets | 0.2613% | 5,708 |
| Return on assets (ROA) | 0.3617% | 5,467 |
| Pretax return on assets | 0.4625% | 5,425 |
| Return on Equity (ROE) | 3.8979% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.8979% | 3,880 |
| Net charge-offs to loans | 1.5436% | 152 |
| Credit loss provision to net charge-offs | 18.7861% | 3,591 |
| Earnings coverage of net charge-offs (x) | 0.4653% | 4,381 |
| Efficiency ratio | 83.7620% | 1,418 |
| Assets per employee ($millions) | 4.0175% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 3,189 |
| Loan loss allowance to noncurrent loans | 157.6516% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 3,788 |
| Noncurrent loans to loans | 0.8865% | 3,354 |
| Net loans and leases to total assets | 75.6989% | 1,262 |
| Net loans and leases to deposits | 99.7540% | 628 |
| Net loans and leases to core deposits | 102.2916% | 1,200 |
| Total domestic deposits to total assets | 75.8856% | 5,835 |
| Equity capital to assets | 9.4783% | 4,822 |
| Core capital (leverage) ratio | 8.8207% | 5,309 |
| Tier 1 risk-based capital ratio | 13.0335% | 4,847 |
| Total risk-based capital ratio | 14.6247% | 4,558 |
| Memoranda: | ||
| Average total assets | $153,362,750 | 3,611 |
| Average earning assets | $142,275,750 | 3,597 |
| Average equity | $14,229,500 | 4,009 |
| Average total loans | $119,546,000 | 3,062 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 4,552 |
| Cost of funding earning assets | 0.6420% | 1,576 |
| Net interest margin | 3.1509% | 5,087 |
| Noninterest income to average assets | 0.5222% | 3,324 |
| Noninterest expense to average assets | 2.8113% | 3,456 |
| Loan and lease loss provision to assets | 0.3386% | 538 |
| Net operating income to assets | 0.2271% | 5,762 |
| Return on assets (ROA) | 0.3581% | 5,448 |
| Pretax return on assets | 0.4610% | 5,389 |
| Return on Equity (ROE) | 3.8871% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.8871% | 3,707 |
| Net charge-offs to loans | 1.7918% | 135 |
| Credit loss provision to net charge-offs | 24.1187% | 3,132 |
| Earnings coverage of net charge-offs (x) | 0.4499% | 4,041 |
| Efficiency ratio | 81.6566% | 1,788 |
| Assets per employee ($millions) | 4.3960% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 2,344 |
| Loan loss allowance to noncurrent loans | 85.0394% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.4858% | 2,194 |
| Noncurrent loans to loans | 1.9226% | 1,773 |
| Net loans and leases to total assets | 76.0154% | 1,164 |
| Net loans and leases to deposits | 98.1257% | 657 |
| Net loans and leases to core deposits | 100.2417% | 1,263 |
| Total domestic deposits to total assets | 77.4673% | 5,724 |
| Equity capital to assets | 9.3968% | 4,845 |
| Core capital (leverage) ratio | 8.6637% | 5,452 |
| Tier 1 risk-based capital ratio | 12.8744% | 4,996 |
| Total risk-based capital ratio | 14.5201% | 4,676 |
| Memoranda: | ||
| Average total assets | $153,595,670 | 3,628 |
| Average earning assets | $142,371,670 | 3,611 |
| Average equity | $14,149,330 | 4,025 |
| Average total loans | $120,327,000 | 3,054 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 4,701 |
| Cost of funding earning assets | 0.6672% | 1,457 |
| Net interest margin | 3.0741% | 5,325 |
| Noninterest income to average assets | 0.5969% | 2,753 |
| Noninterest expense to average assets | 2.8202% | 3,493 |
| Loan and lease loss provision to assets | 0.5213% | 276 |
| Net operating income to assets | 0.0914% | 6,049 |
| Return on assets (ROA) | 0.2189% | 5,799 |
| Pretax return on assets | 0.2450% | 5,842 |
| Return on Equity (ROE) | 2.4009% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.4009% | 4,634 |
| Net charge-offs to loans | 1.1633% | 288 |
| Credit loss provision to net charge-offs | 56.8182% | 2,137 |
| Earnings coverage of net charge-offs (x) | 0.6790% | 3,282 |
| Efficiency ratio | 81.9076% | 1,936 |
| Assets per employee ($millions) | 4.4294% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 1,267 |
| Loan loss allowance to noncurrent loans | 52.8554% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 3.1852% | 852 |
| Noncurrent loans to loans | 4.0352% | 670 |
| Net loans and leases to total assets | 77.2525% | 851 |
| Net loans and leases to deposits | 103.6442% | 307 |
| Net loans and leases to core deposits | 105.9446% | 760 |
| Total domestic deposits to total assets | 74.5362% | 6,196 |
| Equity capital to assets | 9.0887% | 5,013 |
| Core capital (leverage) ratio | 8.4457% | 5,705 |
| Tier 1 risk-based capital ratio | 12.2821% | 5,455 |
| Total risk-based capital ratio | 13.8687% | 5,181 |
| Memoranda: | ||
| Average total assets | $153,463,000 | 3,657 |
| Average earning assets | $142,090,000 | 3,643 |
| Average equity | $13,995,000 | 4,047 |
| Average total loans | $121,039,500 | 3,054 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 4,678 |
| Cost of funding earning assets | 0.6942% | 1,861 |
| Net interest margin | 3.1398% | 5,195 |
| Noninterest income to average assets | 0.3665% | 4,691 |
| Noninterest expense to average assets | 2.8685% | 3,463 |
| Loan and lease loss provision to assets | 0.6197% | 394 |
| Net operating income to assets | -0.1803% | 6,354 |
| Return on assets (ROA) | 0.0656% | 6,152 |
| Pretax return on assets | 0.0139% | 6,212 |
| Return on Equity (ROE) | 0.7123% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.7123% | 5,513 |
| Net charge-offs to loans | 0.6034% | 1,087 |
| Credit loss provision to net charge-offs | 133.7625% | 1,753 |
| Earnings coverage of net charge-offs (x) | 0.8369% | 4,807 |
| Efficiency ratio | 88.0928% | 1,206 |
| Assets per employee ($millions) | 4.2194% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3073% | 1,032 |
| Loan loss allowance to noncurrent loans | 56.7845% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 3.7209% | 752 |
| Noncurrent loans to loans | 4.0633% | 711 |
| Net loans and leases to total assets | 76.9885% | 955 |
| Net loans and leases to deposits | 104.4721% | 308 |
| Net loans and leases to core deposits | 106.8597% | 751 |
| Total domestic deposits to total assets | 73.6929% | 6,305 |
| Equity capital to assets | 9.1509% | 4,868 |
| Core capital (leverage) ratio | 8.4256% | 5,749 |
| Tier 1 risk-based capital ratio | 12.2765% | 5,447 |
| Total risk-based capital ratio | 13.8509% | 5,179 |
| Memoranda: | ||
| Average total assets | $150,880,400 | 3,689 |
| Average earning assets | $138,862,200 | 3,683 |
| Average equity | $13,898,200 | 4,089 |
| Average total loans | $115,834,800 | 3,132 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 4,728 |
| Cost of funding earning assets | 0.7024% | 1,929 |
| Net interest margin | 3.1300% | 5,230 |
| Noninterest income to average assets | 0.3479% | 4,903 |
| Noninterest expense to average assets | 2.8688% | 3,414 |
| Loan and lease loss provision to assets | 0.7480% | 284 |
| Net operating income to assets | -0.1951% | 6,466 |
| Return on assets (ROA) | -0.0558% | 6,382 |
| Pretax return on assets | -0.1717% | 6,457 |
| Return on Equity (ROE) | -0.6044% | 6,392 |
| Retained earnings to average equity (ytd only) | -0.6044% | 6,061 |
| Net charge-offs to loans | 0.7150% | 835 |
| Credit loss provision to net charge-offs | 137.1753% | 1,710 |
| Earnings coverage of net charge-offs (x) | 0.6575% | 4,628 |
| Efficiency ratio | 88.8919% | 1,090 |
| Assets per employee ($millions) | 4.1878% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3436% | 1,115 |
| Loan loss allowance to noncurrent loans | 56.1100% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 3.7795% | 865 |
| Noncurrent loans to loans | 4.1768% | 830 |
| Net loans and leases to total assets | 76.1465% | 988 |
| Net loans and leases to deposits | 101.9683% | 383 |
| Net loans and leases to core deposits | 104.5594% | 848 |
| Total domestic deposits to total assets | 74.6766% | 6,311 |
| Equity capital to assets | 9.1071% | 5,048 |
| Core capital (leverage) ratio | 8.3410% | 5,929 |
| Tier 1 risk-based capital ratio | 12.2947% | 5,574 |
| Total risk-based capital ratio | 13.8186% | 5,360 |
| Memoranda: | ||
| Average total assets | $150,626,000 | 3,725 |
| Average earning assets | $138,570,250 | 3,722 |
| Average equity | $13,897,750 | 4,135 |
| Average total loans | $114,867,000 | 3,164 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 4,695 |
| Cost of funding earning assets | 0.7105% | 2,000 |
| Net interest margin | 3.1292% | 5,189 |
| Noninterest income to average assets | 0.3307% | 5,047 |
| Noninterest expense to average assets | 2.7560% | 3,835 |
| Loan and lease loss provision to assets | 1.0692% | 163 |
| Net operating income to assets | -0.3418% | 6,576 |
| Return on assets (ROA) | -0.1727% | 6,505 |
| Pretax return on assets | -0.3520% | 6,575 |
| Return on Equity (ROE) | -1.8633% | 6,519 |
| Retained earnings to average equity (ytd only) | -1.8633% | 6,177 |
| Net charge-offs to loans | 1.0827% | 556 |
| Credit loss provision to net charge-offs | 130.4700% | 1,737 |
| Earnings coverage of net charge-offs (x) | 0.5527% | 4,354 |
| Efficiency ratio | 85.8858% | 1,421 |
| Assets per employee ($millions) | 4.2824% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3687% | 1,138 |
| Loan loss allowance to noncurrent loans | 56.6242% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.7235% | 989 |
| Noncurrent loans to loans | 4.1831% | 899 |
| Net loans and leases to total assets | 74.6351% | 1,153 |
| Net loans and leases to deposits | 98.5343% | 513 |
| Net loans and leases to core deposits | 101.0086% | 1,004 |
| Total domestic deposits to total assets | 75.7452% | 6,277 |
| Equity capital to assets | 9.1411% | 5,054 |
| Core capital (leverage) ratio | 8.2838% | 5,900 |
| Tier 1 risk-based capital ratio | 12.4369% | 5,544 |
| Total risk-based capital ratio | 13.9645% | 5,282 |
| Memoranda: | ||
| Average total assets | $150,580,670 | 3,757 |
| Average earning assets | $138,501,330 | 3,746 |
| Average equity | $13,953,670 | 4,157 |
| Average total loans | $113,971,000 | 3,193 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8632% | 4,605 |
| Cost of funding earning assets | 0.7029% | 2,179 |
| Net interest margin | 3.1602% | 5,060 |
| Noninterest income to average assets | 0.3366% | 5,003 |
| Noninterest expense to average assets | 2.3349% | 5,321 |
| Loan and lease loss provision to assets | 2.1335% | 53 |
| Net operating income to assets | -0.7351% | 6,749 |
| Return on assets (ROA) | -0.3975% | 6,660 |
| Pretax return on assets | -0.6970% | 6,732 |
| Return on Equity (ROE) | -4.2614% | 6,668 |
| Retained earnings to average equity (ytd only) | -4.2614% | 6,304 |
| Net charge-offs to loans | 2.1677% | 211 |
| Credit loss provision to net charge-offs | 130.6818% | 1,515 |
| Earnings coverage of net charge-offs (x) | 0.5568% | 3,633 |
| Efficiency ratio | 71.9771% | 3,617 |
| Assets per employee ($millions) | 4.2306% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3705% | 1,295 |
| Loan loss allowance to noncurrent loans | 58.8299% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 3.5982% | 1,165 |
| Noncurrent loans to loans | 4.0294% | 1,117 |
| Net loans and leases to total assets | 73.4189% | 1,152 |
| Net loans and leases to deposits | 98.4591% | 423 |
| Net loans and leases to core deposits | 100.9224% | 894 |
| Total domestic deposits to total assets | 74.5680% | 6,500 |
| Equity capital to assets | 9.1970% | 5,257 |
| Core capital (leverage) ratio | 8.2934% | 5,833 |
| Tier 1 risk-based capital ratio | 12.4416% | 5,614 |
| Total risk-based capital ratio | 13.9546% | 5,378 |
| Memoranda: | ||
| Average total assets | $150,929,000 | 3,788 |
| Average earning assets | $138,850,000 | 3,779 |
| Average equity | $14,080,000 | 4,184 |
| Average total loans | $113,666,500 | 3,213 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 4,766 |
| Cost of funding earning assets | 0.8260% | 2,457 |
| Net interest margin | 3.3249% | 5,164 |
| Noninterest income to average assets | 0.3846% | 4,721 |
| Noninterest expense to average assets | 3.1786% | 2,684 |
| Loan and lease loss provision to assets | 0.4442% | 1,423 |
| Net operating income to assets | -0.1753% | 6,358 |
| Return on assets (ROA) | 0.2146% | 5,936 |
| Pretax return on assets | 0.2365% | 5,938 |
| Return on Equity (ROE) | 2.2208% | 5,842 |
| Retained earnings to average equity (ytd only) | 2.2208% | 4,676 |
| Net charge-offs to loans | 0.5748% | 2,004 |
| Credit loss provision to net charge-offs | 103.6800% | 2,885 |
| Earnings coverage of net charge-offs (x) | 0.5888% | 5,192 |
| Efficiency ratio | 92.6474% | 875 |
| Assets per employee ($millions) | 4.2731% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 1,482 |
| Loan loss allowance to noncurrent loans | 45.3257% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 4.3629% | 957 |
| Noncurrent loans to loans | 4.9406% | 817 |
| Net loans and leases to total assets | 73.7339% | 1,232 |
| Net loans and leases to deposits | 101.0177% | 372 |
| Net loans and leases to core deposits | 103.8860% | 794 |
| Total domestic deposits to total assets | 72.9911% | 6,622 |
| Equity capital to assets | 9.4632% | 4,920 |
| Core capital (leverage) ratio | 8.6639% | 5,375 |
| Tier 1 risk-based capital ratio | 12.6641% | 5,354 |
| Total risk-based capital ratio | 14.1247% | 5,137 |
| Memoranda: | ||
| Average total assets | $145,882,600 | 3,845 |
| Average earning assets | $133,657,200 | 3,830 |
| Average equity | $14,093,800 | 4,138 |
| Average total loans | $108,742,800 | 3,321 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 4,715 |
| Cost of funding earning assets | 0.8510% | 2,528 |
| Net interest margin | 3.3778% | 5,105 |
| Noninterest income to average assets | 0.3835% | 4,758 |
| Noninterest expense to average assets | 3.2357% | 2,465 |
| Loan and lease loss provision to assets | 0.5077% | 1,203 |
| Net operating income to assets | -0.2612% | 6,542 |
| Return on assets (ROA) | 0.1582% | 6,169 |
| Pretax return on assets | 0.1518% | 6,202 |
| Return on Equity (ROE) | 1.6289% | 6,120 |
| Retained earnings to average equity (ytd only) | 1.6289% | 5,517 |
| Net charge-offs to loans | 0.6411% | 1,716 |
| Credit loss provision to net charge-offs | 106.5637% | 2,756 |
| Earnings coverage of net charge-offs (x) | 0.5039% | 5,067 |
| Efficiency ratio | 93.0934% | 828 |
| Assets per employee ($millions) | 3.7877% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 1,540 |
| Loan loss allowance to noncurrent loans | 41.0518% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 4.4876% | 1,037 |
| Noncurrent loans to loans | 5.5803% | 762 |
| Net loans and leases to total assets | 75.1812% | 1,094 |
| Net loans and leases to deposits | 100.2399% | 422 |
| Net loans and leases to core deposits | 102.2779% | 967 |
| Total domestic deposits to total assets | 75.0012% | 6,521 |
| Equity capital to assets | 9.8582% | 4,698 |
| Core capital (leverage) ratio | 8.7094% | 5,462 |
| Tier 1 risk-based capital ratio | 12.6671% | 5,511 |
| Total risk-based capital ratio | 14.1937% | 5,265 |
| Memoranda: | ||
| Average total assets | $144,963,750 | 3,902 |
| Average earning assets | $132,706,750 | 3,887 |
| Average equity | $14,079,000 | 4,180 |
| Average total loans | $107,728,250 | 3,372 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 4,444 |
| Cost of funding earning assets | 0.8670% | 2,679 |
| Net interest margin | 3.4649% | 4,817 |
| Noninterest income to average assets | 0.3771% | 4,821 |
| Noninterest expense to average assets | 3.2015% | 2,587 |
| Loan and lease loss provision to assets | 0.3303% | 1,988 |
| Net operating income to assets | 0.0079% | 6,312 |
| Return on assets (ROA) | 0.3482% | 5,662 |
| Pretax return on assets | 0.4391% | 5,605 |
| Return on Equity (ROE) | 3.6034% | 5,435 |
| Retained earnings to average equity (ytd only) | 3.6034% | 4,196 |
| Net charge-offs to loans | 0.9951% | 1,114 |
| Credit loss provision to net charge-offs | 45.1977% | 4,144 |
| Earnings coverage of net charge-offs (x) | 0.4633% | 4,846 |
| Efficiency ratio | 90.4355% | 1,043 |
| Assets per employee ($millions) | 3.7262% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 2,059 |
| Loan loss allowance to noncurrent loans | 36.9159% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 4.4536% | 1,119 |
| Noncurrent loans to loans | 5.6078% | 827 |
| Net loans and leases to total assets | 72.0061% | 1,553 |
| Net loans and leases to deposits | 96.2667% | 611 |
| Net loans and leases to core deposits | 98.2037% | 1,253 |
| Total domestic deposits to total assets | 74.7985% | 6,602 |
| Equity capital to assets | 9.7942% | 4,638 |
| Core capital (leverage) ratio | 8.7059% | 5,372 |
| Tier 1 risk-based capital ratio | 12.9221% | 5,237 |
| Total risk-based capital ratio | 14.4107% | 5,047 |
| Memoranda: | ||
| Average total assets | $145,308,000 | 3,916 |
| Average earning assets | $132,643,330 | 3,911 |
| Average equity | $14,042,330 | 4,189 |
| Average total loans | $106,722,330 | 3,407 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 4,145 |
| Cost of funding earning assets | 0.8887% | 2,773 |
| Net interest margin | 3.5547% | 4,467 |
| Noninterest income to average assets | 0.3744% | 4,865 |
| Noninterest expense to average assets | 3.3035% | 2,272 |
| Loan and lease loss provision to assets | 0.5368% | 1,109 |
| Net operating income to assets | -0.1803% | 6,612 |
| Return on assets (ROA) | 0.3909% | 5,481 |
| Pretax return on assets | 0.5038% | 5,415 |
| Return on Equity (ROE) | 4.0726% | 5,264 |
| Retained earnings to average equity (ytd only) | 4.0726% | 4,151 |
| Net charge-offs to loans | 0.7201% | 1,400 |
| Credit loss provision to net charge-offs | 101.5625% | 2,263 |
| Earnings coverage of net charge-offs (x) | 0.5833% | 4,043 |
| Efficiency ratio | 91.4634% | 979 |
| Assets per employee ($millions) | 4.0628% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3344% | 1,619 |
| Loan loss allowance to noncurrent loans | 52.4597% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 3.3577% | 1,715 |
| Noncurrent loans to loans | 4.4500% | 1,324 |
| Net loans and leases to total assets | 71.6831% | 1,456 |
| Net loans and leases to deposits | 95.7584% | 552 |
| Net loans and leases to core deposits | 97.6637% | 1,151 |
| Total domestic deposits to total assets | 74.8583% | 6,664 |
| Equity capital to assets | 9.5857% | 4,667 |
| Core capital (leverage) ratio | 8.6545% | 5,371 |
| Tier 1 risk-based capital ratio | 13.0596% | 5,167 |
| Total risk-based capital ratio | 14.5374% | 4,983 |
| Memoranda: | ||
| Average total assets | $145,301,500 | 3,951 |
| Average earning assets | $132,331,500 | 3,936 |
| Average equity | $13,947,000 | 4,209 |
| Average total loans | $106,657,500 | 3,439 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 4,624 |
| Cost of funding earning assets | 1.0855% | 2,765 |
| Net interest margin | 3.5276% | 5,033 |
| Noninterest income to average assets | 0.4074% | 4,561 |
| Noninterest expense to average assets | 3.2139% | 2,813 |
| Loan and lease loss provision to assets | 0.0830% | 5,576 |
| Net operating income to assets | 0.2695% | 5,370 |
| Return on assets (ROA) | 0.3804% | 5,121 |
| Pretax return on assets | 0.4682% | 5,083 |
| Return on Equity (ROE) | 4.1090% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.1090% | 3,264 |
| Net charge-offs to loans | 0.7112% | 2,382 |
| Credit loss provision to net charge-offs | 15.6250% | 5,962 |
| Earnings coverage of net charge-offs (x) | 0.7799% | 5,211 |
| Efficiency ratio | 88.5818% | 1,309 |
| Assets per employee ($millions) | 3.9012% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3621% | 1,520 |
| Loan loss allowance to noncurrent loans | 49.4860% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 3.6191% | 1,624 |
| Noncurrent loans to loans | 4.7732% | 1,214 |
| Net loans and leases to total assets | 71.6781% | 1,698 |
| Net loans and leases to deposits | 95.3479% | 723 |
| Net loans and leases to core deposits | 97.4210% | 1,376 |
| Total domestic deposits to total assets | 75.1753% | 6,580 |
| Equity capital to assets | 9.6118% | 4,729 |
| Core capital (leverage) ratio | 8.7489% | 5,173 |
| Tier 1 risk-based capital ratio | 12.9469% | 5,111 |
| Total risk-based capital ratio | 14.4196% | 4,918 |
| Memoranda: | ||
| Average total assets | $144,589,600 | 3,896 |
| Average earning assets | $132,017,200 | 3,890 |
| Average equity | $13,385,200 | 4,262 |
| Average total loans | $107,989,800 | 3,430 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 4,616 |
| Cost of funding earning assets | 1.1378% | 2,710 |
| Net interest margin | 3.5256% | 5,072 |
| Noninterest income to average assets | 0.4129% | 4,564 |
| Noninterest expense to average assets | 3.2961% | 2,507 |
| Loan and lease loss provision to assets | 0.0830% | 5,405 |
| Net operating income to assets | 0.2238% | 5,638 |
| Return on assets (ROA) | 0.3115% | 5,530 |
| Pretax return on assets | 0.3512% | 5,597 |
| Return on Equity (ROE) | 3.3979% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.3979% | 4,316 |
| Net charge-offs to loans | 0.2912% | 3,631 |
| Credit loss provision to net charge-offs | 37.9747% | 5,285 |
| Earnings coverage of net charge-offs (x) | 1.5359% | 4,488 |
| Efficiency ratio | 90.7614% | 1,122 |
| Assets per employee ($millions) | 4.0011% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8272% | 1,010 |
| Loan loss allowance to noncurrent loans | 56.7006% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 3.7059% | 1,689 |
| Noncurrent loans to loans | 4.9862% | 1,249 |
| Net loans and leases to total assets | 71.6813% | 1,779 |
| Net loans and leases to deposits | 96.8211% | 652 |
| Net loans and leases to core deposits | 99.0598% | 1,329 |
| Total domestic deposits to total assets | 74.0348% | 6,754 |
| Equity capital to assets | 9.3579% | 5,294 |
| Core capital (leverage) ratio | 8.3910% | 5,872 |
| Tier 1 risk-based capital ratio | 12.7683% | 5,276 |
| Total risk-based capital ratio | 14.1272% | 5,163 |
| Memoranda: | ||
| Average total assets | $144,651,000 | 3,915 |
| Average earning assets | $132,059,500 | 3,915 |
| Average equity | $13,263,000 | 4,296 |
| Average total loans | $108,495,750 | 3,452 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 4,429 |
| Cost of funding earning assets | 1.2044% | 2,552 |
| Net interest margin | 3.5192% | 5,072 |
| Noninterest income to average assets | 0.4460% | 4,310 |
| Noninterest expense to average assets | 3.3509% | 2,398 |
| Loan and lease loss provision to assets | 0.0828% | 5,274 |
| Net operating income to assets | 0.2051% | 5,723 |
| Return on assets (ROA) | 0.3383% | 5,354 |
| Pretax return on assets | 0.3700% | 5,484 |
| Return on Equity (ROE) | 3.7147% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.7147% | 3,852 |
| Net charge-offs to loans | 0.4394% | 2,815 |
| Credit loss provision to net charge-offs | 25.0000% | 5,061 |
| Earnings coverage of net charge-offs (x) | 0.9250% | 4,608 |
| Efficiency ratio | 91.6195% | 1,121 |
| Assets per employee ($millions) | 4.0872% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7480% | 1,129 |
| Loan loss allowance to noncurrent loans | 60.7566% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.3438% | 1,973 |
| Noncurrent loans to loans | 4.5229% | 1,462 |
| Net loans and leases to total assets | 71.4601% | 1,894 |
| Net loans and leases to deposits | 97.8302% | 601 |
| Net loans and leases to core deposits | 99.9705% | 1,344 |
| Total domestic deposits to total assets | 73.0450% | 6,917 |
| Equity capital to assets | 9.1037% | 5,431 |
| Core capital (leverage) ratio | 8.3195% | 5,836 |
| Tier 1 risk-based capital ratio | 12.4291% | 5,416 |
| Total risk-based capital ratio | 13.9511% | 5,148 |
| Memoranda: | ||
| Average total assets | $144,855,000 | 3,937 |
| Average earning assets | $132,187,330 | 3,940 |
| Average equity | $13,191,000 | 4,296 |
| Average total loans | $109,243,330 | 3,476 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 4,074 |
| Cost of funding earning assets | 1.2626% | 2,412 |
| Net interest margin | 3.5339% | 4,873 |
| Noninterest income to average assets | 0.4008% | 4,694 |
| Noninterest expense to average assets | 3.3762% | 2,344 |
| Loan and lease loss provision to assets | 0.0835% | 4,952 |
| Net operating income to assets | 0.1586% | 5,916 |
| Return on assets (ROA) | 0.4314% | 4,884 |
| Pretax return on assets | 0.4342% | 5,234 |
| Return on Equity (ROE) | 4.7368% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.7368% | 3,357 |
| Net charge-offs to loans | -0.0874% | 7,049 |
| Credit loss provision to net charge-offs | -125.0000% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3077% | 1,078 |
| Assets per employee ($millions) | 3.7097% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9239% | 984 |
| Loan loss allowance to noncurrent loans | 58.6459% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 3.9086% | 1,709 |
| Noncurrent loans to loans | 4.9857% | 1,351 |
| Net loans and leases to total assets | 73.5478% | 1,413 |
| Net loans and leases to deposits | 98.6758% | 538 |
| Net loans and leases to core deposits | 101.4714% | 1,238 |
| Total domestic deposits to total assets | 74.5348% | 6,851 |
| Equity capital to assets | 9.1028% | 5,044 |
| Core capital (leverage) ratio | 8.3701% | 5,683 |
| Tier 1 risk-based capital ratio | 12.2221% | 5,500 |
| Total risk-based capital ratio | 13.7308% | 5,259 |
| Memoranda: | ||
| Average total assets | $143,713,500 | 4,000 |
| Average earning assets | $130,845,500 | 4,007 |
| Average equity | $13,089,000 | 4,315 |
| Average total loans | $109,807,000 | 3,494 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 3,953 |
| Cost of funding earning assets | 1.5350% | 2,443 |
| Net interest margin | 3.5962% | 4,835 |
| Noninterest income to average assets | 0.4111% | 4,815 |
| Noninterest expense to average assets | 3.4120% | 2,408 |
| Loan and lease loss provision to assets | 2.0101% | 655 |
| Net operating income to assets | -1.0311% | 6,701 |
| Return on assets (ROA) | -0.9181% | 6,667 |
| Pretax return on assets | -1.5419% | 6,872 |
| Return on Equity (ROE) | -9.5832% | 6,711 |
| Retained earnings to average equity (ytd only) | -9.5832% | 6,642 |
| Net charge-offs to loans | 1.0320% | 2,140 |
| Credit loss provision to net charge-offs | 253.6878% | 1,115 |
| Earnings coverage of net charge-offs (x) | 0.3679% | 5,738 |
| Efficiency ratio | 92.1284% | 1,174 |
| Assets per employee ($millions) | 3.6602% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8645% | 991 |
| Loan loss allowance to noncurrent loans | 52.0139% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 4.2656% | 1,565 |
| Noncurrent loans to loans | 5.5073% | 1,194 |
| Net loans and leases to total assets | 74.8520% | 1,505 |
| Net loans and leases to deposits | 99.0296% | 641 |
| Net loans and leases to core deposits | 101.4720% | 1,496 |
| Total domestic deposits to total assets | 75.5855% | 6,684 |
| Equity capital to assets | 9.1126% | 4,976 |
| Core capital (leverage) ratio | 8.4269% | 5,488 |
| Tier 1 risk-based capital ratio | 12.5545% | 4,972 |
| Total risk-based capital ratio | 14.0413% | 4,743 |
| Memoranda: | ||
| Average total assets | $147,157,200 | 3,926 |
| Average earning assets | $134,724,000 | 3,916 |
| Average equity | $14,097,600 | 4,123 |
| Average total loans | $112,981,600 | 3,470 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 3,841 |
| Cost of funding earning assets | 1.5751% | 2,530 |
| Net interest margin | 3.6232% | 4,761 |
| Noninterest income to average assets | 0.4047% | 4,924 |
| Noninterest expense to average assets | 3.4272% | 2,216 |
| Loan and lease loss provision to assets | 0.5486% | 2,752 |
| Net operating income to assets | -0.0685% | 6,142 |
| Return on assets (ROA) | 0.0351% | 6,050 |
| Pretax return on assets | -0.0890% | 6,211 |
| Return on Equity (ROE) | 0.3619% | 6,038 |
| Retained earnings to average equity (ytd only) | 0.3619% | 5,647 |
| Net charge-offs to loans | 1.1395% | 1,791 |
| Credit loss provision to net charge-offs | 62.7572% | 5,623 |
| Earnings coverage of net charge-offs (x) | 0.3405% | 5,685 |
| Efficiency ratio | 92.0087% | 1,126 |
| Assets per employee ($millions) | 3.7448% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,766 |
| Loan loss allowance to noncurrent loans | 24.0938% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 2.8333% | 2,560 |
| Noncurrent loans to loans | 3.7067% | 2,099 |
| Net loans and leases to total assets | 75.7554% | 1,454 |
| Net loans and leases to deposits | 102.5147% | 505 |
| Net loans and leases to core deposits | 104.7737% | 1,417 |
| Total domestic deposits to total assets | 73.8971% | 6,928 |
| Equity capital to assets | 9.9248% | 4,258 |
| Core capital (leverage) ratio | 9.4343% | 4,010 |
| Tier 1 risk-based capital ratio | 14.2807% | 3,645 |
| Total risk-based capital ratio | 15.6513% | 3,539 |
| Memoranda: | ||
| Average total assets | $148,259,750 | 3,952 |
| Average earning assets | $135,861,000 | 3,948 |
| Average equity | $14,370,000 | 4,119 |
| Average total loans | $113,727,000 | 3,507 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 4,272 |
| Cost of funding earning assets | 1.6098% | 2,601 |
| Net interest margin | 3.5257% | 5,135 |
| Noninterest income to average assets | 0.3933% | 4,959 |
| Noninterest expense to average assets | 3.5920% | 1,801 |
| Loan and lease loss provision to assets | 0.7785% | 1,849 |
| Net operating income to assets | -0.4065% | 6,574 |
| Return on assets (ROA) | -0.2510% | 6,454 |
| Pretax return on assets | -0.5034% | 6,593 |
| Return on Equity (ROE) | -2.6102% | 6,479 |
| Retained earnings to average equity (ytd only) | -2.6102% | 6,243 |
| Net charge-offs to loans | 1.7671% | 1,057 |
| Credit loss provision to net charge-offs | 57.3689% | 5,276 |
| Earnings coverage of net charge-offs (x) | 0.0237% | 5,694 |
| Efficiency ratio | 99.1111% | 837 |
| Assets per employee ($millions) | 4.0127% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,980 |
| Loan loss allowance to noncurrent loans | 134.1040% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 5,797 |
| Noncurrent loans to loans | 0.6138% | 6,021 |
| Net loans and leases to total assets | 75.3110% | 1,627 |
| Net loans and leases to deposits | 103.8545% | 493 |
| Net loans and leases to core deposits | 106.1669% | 1,425 |
| Total domestic deposits to total assets | 72.5158% | 7,138 |
| Equity capital to assets | 9.4557% | 4,773 |
| Core capital (leverage) ratio | 9.1156% | 4,438 |
| Tier 1 risk-based capital ratio | 13.8279% | 3,852 |
| Total risk-based capital ratio | 14.9656% | 3,887 |
| Memoranda: | ||
| Average total assets | $148,996,670 | 3,971 |
| Average earning assets | $136,540,000 | 3,959 |
| Average equity | $14,328,330 | 4,129 |
| Average total loans | $114,423,670 | 3,522 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 4,327 |
| Cost of funding earning assets | 1.6171% | 2,856 |
| Net interest margin | 3.5267% | 5,048 |
| Noninterest income to average assets | 0.3779% | 5,114 |
| Noninterest expense to average assets | 3.7117% | 1,495 |
| Loan and lease loss provision to assets | 1.4739% | 798 |
| Net operating income to assets | -0.9908% | 7,099 |
| Return on assets (ROA) | -0.8656% | 7,075 |
| Pretax return on assets | -1.3801% | 7,216 |
| Return on Equity (ROE) | -8.9270% | 7,093 |
| Retained earnings to average equity (ytd only) | -8.9270% | 6,890 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8211% | 759 |
| Assets per employee ($millions) | 4.0268% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 3,204 |
| Loan loss allowance to noncurrent loans | 149.9607% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 5,086 |
| Noncurrent loans to loans | 1.1087% | 5,139 |
| Net loans and leases to total assets | 75.7846% | 1,588 |
| Net loans and leases to deposits | 104.6120% | 492 |
| Net loans and leases to core deposits | 106.3802% | 1,545 |
| Total domestic deposits to total assets | 72.4435% | 7,223 |
| Equity capital to assets | 9.4871% | 4,553 |
| Core capital (leverage) ratio | 9.1526% | 4,293 |
| Tier 1 risk-based capital ratio | 13.1949% | 4,212 |
| Total risk-based capital ratio | 14.6033% | 4,047 |
| Memoranda: | ||
| Average total assets | $149,259,500 | 4,022 |
| Average earning assets | $136,786,000 | 4,019 |
| Average equity | $14,473,000 | 4,131 |
| Average total loans | $115,264,000 | 3,562 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 4,897 |
| Cost of funding earning assets | 1.9094% | 3,414 |
| Net interest margin | 3.4498% | 5,168 |
| Noninterest income to average assets | 0.5048% | 4,373 |
| Noninterest expense to average assets | 3.1188% | 3,657 |
| Loan and lease loss provision to assets | 0.4578% | 4,082 |
| Net operating income to assets | 0.0748% | 5,280 |
| Return on assets (ROA) | -0.3265% | 5,993 |
| Pretax return on assets | -0.4643% | 5,980 |
| Return on Equity (ROE) | -3.5166% | 6,057 |
| Retained earnings to average equity (ytd only) | -3.5166% | 5,794 |
| Net charge-offs to loans | 0.2607% | 4,993 |
| Credit loss provision to net charge-offs | 228.3388% | 1,621 |
| Earnings coverage of net charge-offs (x) | 2.8274% | 3,676 |
| Efficiency ratio | 84.6208% | 2,279 |
| Assets per employee ($millions) | 3.7382% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,505 |
| Loan loss allowance to noncurrent loans | 69.0900% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5395% | 4,070 |
| Noncurrent loans to loans | 1.7000% | 4,092 |
| Net loans and leases to total assets | 76.4725% | 1,701 |
| Net loans and leases to deposits | 108.0274% | 460 |
| Net loans and leases to core deposits | 120.7823% | 1,896 |
| Total domestic deposits to total assets | 70.7899% | 7,355 |
| Equity capital to assets | 9.9052% | 3,890 |
| Core capital (leverage) ratio | 8.9326% | 4,533 |
| Tier 1 risk-based capital ratio | 13.0794% | 4,092 |
| Total risk-based capital ratio | 14.4448% | 3,964 |
| Memoranda: | ||
| Average total assets | $153,134,800 | 3,909 |
| Average earning assets | $141,195,000 | 3,871 |
| Average equity | $14,218,200 | 4,205 |
| Average total loans | $117,741,200 | 3,528 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 5,263 |
| Cost of funding earning assets | 1.9607% | 3,562 |
| Net interest margin | 3.3713% | 5,378 |
| Noninterest income to average assets | 0.5609% | 4,005 |
| Noninterest expense to average assets | 3.1264% | 3,553 |
| Loan and lease loss provision to assets | 0.4120% | 3,855 |
| Net operating income to assets | 0.1058% | 5,448 |
| Return on assets (ROA) | -0.5185% | 6,446 |
| Pretax return on assets | -0.6855% | 6,470 |
| Return on Equity (ROE) | -5.6763% | 6,523 |
| Retained earnings to average equity (ytd only) | -5.6763% | 6,348 |
| Net charge-offs to loans | 0.3450% | 3,915 |
| Credit loss provision to net charge-offs | 155.5556% | 3,064 |
| Earnings coverage of net charge-offs (x) | 2.0686% | 4,270 |
| Efficiency ratio | 85.0883% | 2,171 |
| Assets per employee ($millions) | 3.8245% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 6,554 |
| Loan loss allowance to noncurrent loans | 51.7556% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 3,888 |
| Noncurrent loans to loans | 1.8326% | 3,868 |
| Net loans and leases to total assets | 77.4807% | 1,670 |
| Net loans and leases to deposits | 114.1754% | 319 |
| Net loans and leases to core deposits | 126.1186% | 1,721 |
| Total domestic deposits to total assets | 67.8612% | 7,591 |
| Equity capital to assets | 9.6640% | 4,543 |
| Core capital (leverage) ratio | 9.1284% | 4,448 |
| Tier 1 risk-based capital ratio | 13.1348% | 4,098 |
| Total risk-based capital ratio | 14.4164% | 4,010 |
| Memoranda: | ||
| Average total assets | $154,036,750 | 3,908 |
| Average earning assets | $142,255,750 | 3,886 |
| Average equity | $14,070,000 | 4,281 |
| Average total loans | $118,250,000 | 3,550 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3401% | 5,446 |
| Cost of funding earning assets | 2.0330% | 3,606 |
| Net interest margin | 3.3071% | 5,527 |
| Noninterest income to average assets | 0.6477% | 3,361 |
| Noninterest expense to average assets | 3.1570% | 3,480 |
| Loan and lease loss provision to assets | 0.5389% | 2,878 |
| Net operating income to assets | 0.0077% | 5,815 |
| Return on assets (ROA) | -0.8394% | 6,860 |
| Pretax return on assets | -1.1814% | 6,924 |
| Return on Equity (ROE) | -9.3696% | 6,985 |
| Retained earnings to average equity (ytd only) | -9.3696% | 6,805 |
| Net charge-offs to loans | 0.0017% | 6,608 |
| Credit loss provision to net charge-offs | 41,600.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 425.0000% | 84 |
| Efficiency ratio | 85.1502% | 2,339 |
| Assets per employee ($millions) | 3.8617% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,203 |
| Loan loss allowance to noncurrent loans | 59.1767% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.5097% | 3,962 |
| Noncurrent loans to loans | 1.9581% | 3,580 |
| Net loans and leases to total assets | 76.2087% | 2,133 |
| Net loans and leases to deposits | 112.3017% | 465 |
| Net loans and leases to core deposits | 125.5967% | 1,909 |
| Total domestic deposits to total assets | 67.8607% | 7,631 |
| Equity capital to assets | 9.0880% | 5,182 |
| Core capital (leverage) ratio | 8.7165% | 5,064 |
| Tier 1 risk-based capital ratio | 13.1192% | 4,053 |
| Total risk-based capital ratio | 14.3725% | 3,975 |
| Memoranda: | ||
| Average total assets | $154,389,000 | 3,932 |
| Average earning assets | $142,844,330 | 3,881 |
| Average equity | $13,832,000 | 4,344 |
| Average total loans | $117,778,330 | 3,583 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4337% | 5,255 |
| Cost of funding earning assets | 2.0716% | 3,786 |
| Net interest margin | 3.3621% | 5,283 |
| Noninterest income to average assets | 0.9407% | 1,686 |
| Noninterest expense to average assets | 3.1150% | 3,320 |
| Loan and lease loss provision to assets | 0.9226% | 1,408 |
| Net operating income to assets | 0.0022% | 6,247 |
| Return on assets (ROA) | -1.7182% | 7,579 |
| Pretax return on assets | -2.3738% | 7,635 |
| Return on Equity (ROE) | -19.3168% | 7,735 |
| Retained earnings to average equity (ytd only) | -19.3168% | 7,623 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8542% | 3,353 |
| Assets per employee ($millions) | 3.9595% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,272 |
| Loan loss allowance to noncurrent loans | 209.6825% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 6,276 |
| Noncurrent loans to loans | 0.5379% | 6,067 |
| Net loans and leases to total assets | 74.9845% | 2,506 |
| Net loans and leases to deposits | 112.2506% | 511 |
| Net loans and leases to core deposits | 125.0686% | 1,991 |
| Total domestic deposits to total assets | 66.8009% | 7,682 |
| Equity capital to assets | 8.7651% | 5,674 |
| Core capital (leverage) ratio | 8.5162% | 5,496 |
| Tier 1 risk-based capital ratio | 13.0525% | 4,158 |
| Total risk-based capital ratio | 14.3051% | 4,070 |
| Memoranda: | ||
| Average total assets | $154,349,500 | 3,939 |
| Average earning assets | $142,886,500 | 3,900 |
| Average equity | $13,729,000 | 4,395 |
| Average total loans | $117,118,500 | 3,620 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8394% | 6,304 |
| Cost of funding earning assets | 2.4060% | 4,701 |
| Net interest margin | 3.4334% | 5,531 |
| Noninterest income to average assets | 0.4702% | 4,874 |
| Noninterest expense to average assets | 3.1559% | 3,496 |
| Loan and lease loss provision to assets | 0.1022% | 6,076 |
| Net operating income to assets | 0.4191% | 5,077 |
| Return on assets (ROA) | 0.1812% | 5,742 |
| Pretax return on assets | 0.1337% | 5,872 |
| Return on Equity (ROE) | 1.8528% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.8528% | 4,076 |
| Net charge-offs to loans | -0.0074% | 7,820 |
| Credit loss provision to net charge-offs | -1,825.0000% | 7,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9481% | 1,771 |
| Assets per employee ($millions) | 4.2855% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 7,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.2922% | 2,808 |
| Net loans and leases to deposits | 115.4339% | 549 |
| Net loans and leases to core deposits | 129.1872% | 1,912 |
| Total domestic deposits to total assets | 65.2253% | 7,705 |
| Equity capital to assets | 9.0246% | 5,342 |
| Core capital (leverage) ratio | 8.7999% | 5,034 |
| Tier 1 risk-based capital ratio | 13.3347% | 3,908 |
| Total risk-based capital ratio | 14.4652% | 3,898 |
| Memoranda: | ||
| Average total assets | $142,909,000 | 4,026 |
| Average earning assets | $131,503,600 | 4,022 |
| Average equity | $13,979,200 | 4,345 |
| Average total loans | $107,612,200 | 3,749 |