Home > Bremen Bank and Trust Company > Performance and Condition Ratios
Bremen Bank and Trust Company, Performance and Condition Ratios
| 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 | 3.9063% | 3,587 |
| Cost of funding earning assets | 0.6244% | 1,165 |
| Net interest margin | 3.2819% | 4,284 |
| Noninterest income to average assets | -0.4068% | 6,049 |
| Noninterest expense to average assets | 4.5248% | 377 |
| Loan and lease loss provision to assets | 0.3698% | 428 |
| Net operating income to assets | -2.3367% | 6,025 |
| Return on assets (ROA) | -2.1867% | 6,022 |
| Pretax return on assets | -2.2153% | 6,017 |
| Return on Equity (ROE) | -24.1174% | 6,019 |
| Retained earnings to average equity (ytd only) | -24.1174% | 5,990 |
| Net charge-offs to loans | 0.6071% | 343 |
| Credit loss provision to net charge-offs | 98.4127% | 2,149 |
| Earnings coverage of net charge-offs (x) | -5.3143% | 3,629 |
| Efficiency ratio | 178.9995% | 24 |
| Assets per employee ($millions) | 5.1138% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 878 |
| Loan loss allowance to noncurrent loans | 108.8385% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 4.0362% | 220 |
| Noncurrent loans to loans | 1.7544% | 1,196 |
| Net loans and leases to total assets | 60.3057% | 3,847 |
| Net loans and leases to deposits | 78.3005% | 3,121 |
| Net loans and leases to core deposits | 80.5771% | 3,410 |
| Total domestic deposits to total assets | 77.0183% | 5,161 |
| Equity capital to assets | 8.6658% | 5,505 |
| Core capital (leverage) ratio | 7.7252% | 5,838 |
| Tier 1 risk-based capital ratio | 9.8914% | 5,878 |
| Total risk-based capital ratio | 11.1442% | 5,835 |
| Memoranda: | ||
| Average total assets | $167,652,000 | 3,347 |
| Average earning assets | $149,912,000 | 3,403 |
| Average equity | $15,200,670 | 3,836 |
| Average total loans | $103,766,330 | 3,344 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 3,501 |
| Cost of funding earning assets | 0.6366% | 1,118 |
| Net interest margin | 3.2856% | 4,279 |
| Noninterest income to average assets | -0.1627% | 6,106 |
| Noninterest expense to average assets | 2.6194% | 3,691 |
| Loan and lease loss provision to assets | 0.1415% | 1,488 |
| Net operating income to assets | 0.0212% | 5,769 |
| Return on assets (ROA) | 0.3206% | 5,322 |
| Pretax return on assets | 0.3206% | 5,471 |
| Return on Equity (ROE) | 3.4627% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.4627% | 3,768 |
| Net charge-offs to loans | 1.0024% | 185 |
| Credit loss provision to net charge-offs | 22.7273% | 2,276 |
| Earnings coverage of net charge-offs (x) | 0.2614% | 2,949 |
| Efficiency ratio | 94.1525% | 442 |
| Assets per employee ($millions) | 5.0801% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 1,523 |
| Loan loss allowance to noncurrent loans | 93.3839% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 4.2269% | 223 |
| Noncurrent loans to loans | 1.7482% | 1,272 |
| Net loans and leases to total assets | 61.8914% | 3,546 |
| Net loans and leases to deposits | 79.5614% | 2,857 |
| Net loans and leases to core deposits | 81.8007% | 3,147 |
| Total domestic deposits to total assets | 77.7908% | 5,179 |
| Equity capital to assets | 9.4547% | 4,712 |
| Core capital (leverage) ratio | 8.6241% | 5,264 |
| Tier 1 risk-based capital ratio | 10.7914% | 5,614 |
| Total risk-based capital ratio | 12.0419% | 5,517 |
| Memoranda: | ||
| Average total assets | $169,656,500 | 3,332 |
| Average earning assets | $152,057,500 | 3,391 |
| Average equity | $15,710,500 | 3,778 |
| Average total loans | $105,346,000 | 3,330 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 3,778 |
| Cost of funding earning assets | 0.7634% | 600 |
| Net interest margin | 3.1163% | 4,864 |
| Noninterest income to average assets | 0.1591% | 5,629 |
| Noninterest expense to average assets | 2.2436% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7225% | 3,699 |
| Return on assets (ROA) | 0.8650% | 3,119 |
| Pretax return on assets | 0.8650% | 3,976 |
| Return on Equity (ROE) | 10.5200% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.5200% | 393 |
| Net charge-offs to loans | 0.5502% | 454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.1764% | 3,961 |
| Efficiency ratio | 75.6425% | 2,330 |
| Assets per employee ($millions) | 5.0491% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 1,079 |
| Loan loss allowance to noncurrent loans | 72.7616% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 4.5494% | 206 |
| Noncurrent loans to loans | 2.5158% | 725 |
| Net loans and leases to total assets | 60.1662% | 3,815 |
| Net loans and leases to deposits | 76.7741% | 3,175 |
| Net loans and leases to core deposits | 78.6058% | 3,482 |
| Total domestic deposits to total assets | 78.3679% | 5,089 |
| Equity capital to assets | 9.0703% | 5,052 |
| Core capital (leverage) ratio | 8.2389% | 5,655 |
| Tier 1 risk-based capital ratio | 10.5433% | 5,756 |
| Total risk-based capital ratio | 11.7953% | 5,672 |
| Memoranda: | ||
| Average total assets | $181,049,800 | 3,152 |
| Average earning assets | $163,078,200 | 3,211 |
| Average equity | $14,886,000 | 3,854 |
| Average total loans | $109,225,600 | 3,212 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8747% | 3,831 |
| Cost of funding earning assets | 0.7965% | 508 |
| Net interest margin | 3.0782% | 5,014 |
| Noninterest income to average assets | 0.1556% | 5,710 |
| Noninterest expense to average assets | 2.1469% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7844% | 3,499 |
| Return on assets (ROA) | 0.9720% | 2,693 |
| Pretax return on assets | 0.9720% | 3,734 |
| Return on Equity (ROE) | 12.1145% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.1145% | 353 |
| Net charge-offs to loans | 0.7197% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.8135% | 3,773 |
| Efficiency ratio | 73.2391% | 2,678 |
| Assets per employee ($millions) | 4.9958% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 1,210 |
| Loan loss allowance to noncurrent loans | 77.7465% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 4.3757% | 255 |
| Noncurrent loans to loans | 2.3501% | 891 |
| Net loans and leases to total assets | 59.3691% | 3,954 |
| Net loans and leases to deposits | 75.5055% | 3,365 |
| Net loans and leases to core deposits | 77.5624% | 3,645 |
| Total domestic deposits to total assets | 78.6288% | 5,061 |
| Equity capital to assets | 8.8772% | 5,420 |
| Core capital (leverage) ratio | 7.9658% | 5,923 |
| Tier 1 risk-based capital ratio | 10.3799% | 5,928 |
| Total risk-based capital ratio | 11.6315% | 5,863 |
| Memoranda: | ||
| Average total assets | $183,394,500 | 3,155 |
| Average earning assets | $165,375,750 | 3,206 |
| Average equity | $14,714,750 | 3,919 |
| Average total loans | $110,228,500 | 3,227 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 3,847 |
| Cost of funding earning assets | 0.8298% | 430 |
| Net interest margin | 3.0246% | 5,167 |
| Noninterest income to average assets | 0.1418% | 5,857 |
| Noninterest expense to average assets | 2.1413% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7367% | 3,706 |
| Return on assets (ROA) | 1.0137% | 2,432 |
| Pretax return on assets | 1.0137% | 3,530 |
| Return on Equity (ROE) | 13.0697% | 1,099 |
| Retained earnings to average equity (ytd only) | 13.0697% | 301 |
| Net charge-offs to loans | 1.0687% | 188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.1491% | 3,571 |
| Efficiency ratio | 74.4030% | 2,628 |
| Assets per employee ($millions) | 5.2563% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 1,392 |
| Loan loss allowance to noncurrent loans | 56.0721% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 4.2789% | 293 |
| Noncurrent loans to loans | 3.1895% | 592 |
| Net loans and leases to total assets | 57.6102% | 4,153 |
| Net loans and leases to deposits | 72.6135% | 3,664 |
| Net loans and leases to core deposits | 75.1866% | 3,832 |
| Total domestic deposits to total assets | 79.3380% | 5,018 |
| Equity capital to assets | 8.0627% | 5,956 |
| Core capital (leverage) ratio | 7.3489% | 6,130 |
| Tier 1 risk-based capital ratio | 9.8768% | 6,125 |
| Total risk-based capital ratio | 11.1284% | 6,074 |
| Memoranda: | ||
| Average total assets | $186,242,000 | 3,144 |
| Average earning assets | $168,483,000 | 3,184 |
| Average equity | $14,445,670 | 3,973 |
| Average total loans | $111,724,670 | 3,216 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 3,547 |
| Cost of funding earning assets | 0.8684% | 339 |
| Net interest margin | 3.0440% | 5,094 |
| Noninterest income to average assets | 0.1153% | 6,017 |
| Noninterest expense to average assets | 2.0920% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7770% | 3,380 |
| Return on assets (ROA) | 1.0866% | 2,029 |
| Pretax return on assets | 1.0866% | 3,136 |
| Return on Equity (ROE) | 14.2857% | 823 |
| Retained earnings to average equity (ytd only) | 14.2857% | 336 |
| Net charge-offs to loans | -0.0528% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9167% | 3,005 |
| Assets per employee ($millions) | 5.1536% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2377% | 764 |
| Loan loss allowance to noncurrent loans | 85.9364% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 3.9600% | 378 |
| Noncurrent loans to loans | 2.6039% | 918 |
| Net loans and leases to total assets | 59.8599% | 3,673 |
| Net loans and leases to deposits | 74.3609% | 3,258 |
| Net loans and leases to core deposits | 77.0770% | 3,481 |
| Total domestic deposits to total assets | 80.4991% | 4,935 |
| Equity capital to assets | 8.0089% | 6,026 |
| Core capital (leverage) ratio | 7.3173% | 6,194 |
| Tier 1 risk-based capital ratio | 9.4779% | 6,275 |
| Total risk-based capital ratio | 10.7342% | 6,253 |
| Memoranda: | ||
| Average total assets | $187,377,500 | 3,150 |
| Average earning assets | $169,514,500 | 3,183 |
| Average equity | $14,252,000 | 4,032 |
| Average total loans | $113,629,000 | 3,205 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 4,689 |
| Cost of funding earning assets | 0.9531% | 284 |
| Net interest margin | 2.7828% | 5,834 |
| Noninterest income to average assets | 0.1186% | 6,091 |
| Noninterest expense to average assets | 6.3170% | 167 |
| Loan and lease loss provision to assets | 0.0492% | 3,584 |
| Net operating income to assets | -4.2474% | 6,491 |
| Return on assets (ROA) | -4.1470% | 6,489 |
| Pretax return on assets | -3.6081% | 6,483 |
| Return on Equity (ROE) | -46.3313% | 6,485 |
| Retained earnings to average equity (ytd only) | -46.3313% | 6,483 |
| Net charge-offs to loans | 0.7692% | 466 |
| Credit loss provision to net charge-offs | 11.2867% | 4,089 |
| Earnings coverage of net charge-offs (x) | -8.3916% | 4,908 |
| Efficiency ratio | 237.6852% | 12 |
| Assets per employee ($millions) | 5.4064% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2233% | 797 |
| Loan loss allowance to noncurrent loans | 68.7058% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 4.2896% | 378 |
| Noncurrent loans to loans | 3.2360% | 670 |
| Net loans and leases to total assets | 58.7296% | 3,958 |
| Net loans and leases to deposits | 72.3519% | 3,636 |
| Net loans and leases to core deposits | 74.2849% | 3,897 |
| Total domestic deposits to total assets | 81.1721% | 4,691 |
| Equity capital to assets | 7.2110% | 6,302 |
| Core capital (leverage) ratio | 6.4745% | 6,371 |
| Tier 1 risk-based capital ratio | 9.0103% | 6,406 |
| Total risk-based capital ratio | 10.2672% | 6,395 |
| Memoranda: | ||
| Average total assets | $203,183,000 | 2,952 |
| Average earning assets | $185,386,600 | 2,971 |
| Average equity | $18,186,400 | 3,381 |
| Average total loans | $115,185,000 | 3,120 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,840 |
| Cost of funding earning assets | 0.9497% | 309 |
| Net interest margin | 2.7560% | 5,926 |
| Noninterest income to average assets | 0.1206% | 6,160 |
| Noninterest expense to average assets | 7.5615% | 117 |
| Loan and lease loss provision to assets | 0.0645% | 3,058 |
| Net operating income to assets | -5.6920% | 6,578 |
| Return on assets (ROA) | -5.5797% | 6,579 |
| Pretax return on assets | -4.8733% | 6,576 |
| Return on Equity (ROE) | -59.6825% | 6,570 |
| Retained earnings to average equity (ytd only) | -59.6825% | 6,569 |
| Net charge-offs to loans | 0.9968% | 306 |
| Credit loss provision to net charge-offs | 11.5741% | 3,685 |
| Earnings coverage of net charge-offs (x) | -8.8287% | 4,628 |
| Efficiency ratio | 286.3670% | 8 |
| Assets per employee ($millions) | 5.6517% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3055% | 821 |
| Loan loss allowance to noncurrent loans | 58.8276% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 3.8469% | 532 |
| Noncurrent loans to loans | 3.9191% | 553 |
| Net loans and leases to total assets | 53.0881% | 4,684 |
| Net loans and leases to deposits | 67.8469% | 4,144 |
| Net loans and leases to core deposits | 70.2990% | 4,297 |
| Total domestic deposits to total assets | 78.2468% | 5,475 |
| Equity capital to assets | 6.5261% | 6,441 |
| Core capital (leverage) ratio | 5.8886% | 6,488 |
| Tier 1 risk-based capital ratio | 8.9078% | 6,485 |
| Total risk-based capital ratio | 10.1653% | 6,483 |
| Memoranda: | ||
| Average total assets | $206,672,500 | 2,941 |
| Average earning assets | $188,962,750 | 2,945 |
| Average equity | $19,321,750 | 3,249 |
| Average total loans | $115,566,750 | 3,139 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,744 |
| Cost of funding earning assets | 0.9571% | 307 |
| Net interest margin | 2.7795% | 5,945 |
| Noninterest income to average assets | 0.1069% | 6,265 |
| Noninterest expense to average assets | 2.3953% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2018% | 5,831 |
| Return on assets (ROA) | 0.3408% | 5,503 |
| Pretax return on assets | 0.4120% | 5,522 |
| Return on Equity (ROE) | 3.3183% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.3183% | 4,087 |
| Net charge-offs to loans | -0.0324% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7367% | 853 |
| Assets per employee ($millions) | 4.8047% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8606% | 450 |
| Loan loss allowance to noncurrent loans | 67.9168% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 3.7066% | 610 |
| Noncurrent loans to loans | 4.2118% | 551 |
| Net loans and leases to total assets | 54.7667% | 4,440 |
| Net loans and leases to deposits | 70.4816% | 3,759 |
| Net loans and leases to core deposits | 73.1896% | 3,934 |
| Total domestic deposits to total assets | 77.7035% | 5,687 |
| Equity capital to assets | 10.5217% | 3,416 |
| Core capital (leverage) ratio | 9.6040% | 4,168 |
| Tier 1 risk-based capital ratio | 13.9611% | 4,280 |
| Total risk-based capital ratio | 15.2247% | 4,214 |
| Memoranda: | ||
| Average total assets | $207,743,330 | 2,943 |
| Average earning assets | $189,318,000 | 2,961 |
| Average equity | $21,336,330 | 3,015 |
| Average total loans | $117,235,000 | 3,119 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 4,724 |
| Cost of funding earning assets | 0.9582% | 324 |
| Net interest margin | 2.7776% | 5,979 |
| Noninterest income to average assets | 0.1440% | 6,108 |
| Noninterest expense to average assets | 2.3042% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2765% | 5,579 |
| Return on assets (ROA) | 0.4666% | 4,929 |
| Pretax return on assets | 0.6202% | 4,766 |
| Return on Equity (ROE) | 4.5989% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.5989% | 3,358 |
| Net charge-offs to loans | 0.0204% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 31.8333% | 1,012 |
| Efficiency ratio | 86.2689% | 1,424 |
| Assets per employee ($millions) | 4.8513% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7846% | 555 |
| Loan loss allowance to noncurrent loans | 63.4132% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 3.8786% | 631 |
| Noncurrent loans to loans | 4.3911% | 569 |
| Net loans and leases to total assets | 55.3460% | 4,231 |
| Net loans and leases to deposits | 70.8148% | 3,498 |
| Net loans and leases to core deposits | 73.7129% | 3,677 |
| Total domestic deposits to total assets | 78.1559% | 5,808 |
| Equity capital to assets | 10.2221% | 3,571 |
| Core capital (leverage) ratio | 9.4525% | 4,345 |
| Tier 1 risk-based capital ratio | 13.2861% | 4,831 |
| Total risk-based capital ratio | 14.5487% | 4,757 |
| Memoranda: | ||
| Average total assets | $208,314,000 | 2,953 |
| Average earning assets | $189,519,000 | 2,978 |
| Average equity | $21,135,500 | 3,033 |
| Average total loans | $117,612,000 | 3,124 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,788 |
| Cost of funding earning assets | 0.9866% | 479 |
| Net interest margin | 2.8218% | 5,945 |
| Noninterest income to average assets | -0.0629% | 6,705 |
| Noninterest expense to average assets | 2.2027% | 5,619 |
| Loan and lease loss provision to assets | 0.0469% | 4,184 |
| Net operating income to assets | 0.2722% | 5,613 |
| Return on assets (ROA) | 0.2103% | 5,856 |
| Pretax return on assets | 0.1896% | 5,962 |
| Return on Equity (ROE) | 2.1219% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.1219% | 4,732 |
| Net charge-offs to loans | 0.3726% | 1,813 |
| Credit loss provision to net charge-offs | 22.4215% | 4,406 |
| Earnings coverage of net charge-offs (x) | 1.4260% | 4,579 |
| Efficiency ratio | 88.0653% | 1,211 |
| Assets per employee ($millions) | 4.9529% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8447% | 563 |
| Loan loss allowance to noncurrent loans | 66.2998% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 3.8395% | 709 |
| Noncurrent loans to loans | 4.2907% | 640 |
| Net loans and leases to total assets | 54.3928% | 4,537 |
| Net loans and leases to deposits | 68.8175% | 3,936 |
| Net loans and leases to core deposits | 71.2646% | 4,155 |
| Total domestic deposits to total assets | 79.0392% | 5,647 |
| Equity capital to assets | 10.0696% | 3,669 |
| Core capital (leverage) ratio | 9.2257% | 4,681 |
| Tier 1 risk-based capital ratio | 13.3325% | 4,764 |
| Total risk-based capital ratio | 14.5950% | 4,695 |
| Memoranda: | ||
| Average total assets | $213,054,400 | 2,878 |
| Average earning assets | $193,600,800 | 2,910 |
| Average equity | $21,113,400 | 3,022 |
| Average total loans | $119,713,600 | 3,044 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 4,865 |
| Cost of funding earning assets | 0.9852% | 532 |
| Net interest margin | 2.8132% | 5,993 |
| Noninterest income to average assets | -0.1960% | 6,836 |
| Noninterest expense to average assets | 2.2434% | 5,498 |
| Loan and lease loss provision to assets | 0.0622% | 3,798 |
| Net operating income to assets | 0.1207% | 6,096 |
| Return on assets (ROA) | 0.1207% | 6,164 |
| Pretax return on assets | 0.0547% | 6,255 |
| Return on Equity (ROE) | 1.2227% | 6,138 |
| Retained earnings to average equity (ytd only) | 1.2227% | 5,491 |
| Net charge-offs to loans | 0.4005% | 1,599 |
| Credit loss provision to net charge-offs | 27.6243% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.5193% | 4,692 |
| Efficiency ratio | 95.0448% | 676 |
| Assets per employee ($millions) | 5.1179% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9192% | 606 |
| Loan loss allowance to noncurrent loans | 62.1592% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 4.2319% | 729 |
| Noncurrent loans to loans | 4.6963% | 669 |
| Net loans and leases to total assets | 53.8381% | 4,638 |
| Net loans and leases to deposits | 68.1289% | 4,046 |
| Net loans and leases to core deposits | 70.6107% | 4,252 |
| Total domestic deposits to total assets | 79.0238% | 5,738 |
| Equity capital to assets | 9.9074% | 4,040 |
| Core capital (leverage) ratio | 9.0337% | 5,075 |
| Tier 1 risk-based capital ratio | 13.0688% | 5,079 |
| Total risk-based capital ratio | 14.3322% | 5,021 |
| Memoranda: | ||
| Average total assets | $214,312,500 | 2,896 |
| Average earning assets | $194,740,500 | 2,917 |
| Average equity | $21,155,000 | 3,056 |
| Average total loans | $120,526,500 | 3,050 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 4,895 |
| Cost of funding earning assets | 0.9777% | 604 |
| Net interest margin | 2.8019% | 5,998 |
| Noninterest income to average assets | -0.3577% | 6,891 |
| Noninterest expense to average assets | 2.3614% | 5,173 |
| Loan and lease loss provision to assets | 0.0927% | 3,238 |
| Net operating income to assets | -0.0723% | 6,380 |
| Return on assets (ROA) | -0.0723% | 6,427 |
| Pretax return on assets | -0.2623% | 6,533 |
| Return on Equity (ROE) | -0.7332% | 6,430 |
| Retained earnings to average equity (ytd only) | -0.7332% | 6,000 |
| Net charge-offs to loans | 0.3642% | 1,744 |
| Credit loss provision to net charge-offs | 45.0450% | 3,322 |
| Earnings coverage of net charge-offs (x) | -0.8243% | 4,698 |
| Efficiency ratio | 107.7378% | 316 |
| Assets per employee ($millions) | 4.8665% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9008% | 641 |
| Loan loss allowance to noncurrent loans | 57.1498% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 4.5847% | 710 |
| Noncurrent loans to loans | 5.0758% | 626 |
| Net loans and leases to total assets | 56.5775% | 4,195 |
| Net loans and leases to deposits | 71.5925% | 3,512 |
| Net loans and leases to core deposits | 73.7382% | 3,850 |
| Total domestic deposits to total assets | 79.0270% | 5,799 |
| Equity capital to assets | 9.7505% | 4,239 |
| Core capital (leverage) ratio | 8.7203% | 5,389 |
| Tier 1 risk-based capital ratio | 12.2489% | 5,652 |
| Total risk-based capital ratio | 13.5124% | 5,597 |
| Memoranda: | ||
| Average total assets | $215,805,670 | 2,893 |
| Average earning assets | $196,369,330 | 2,908 |
| Average equity | $21,277,000 | 3,066 |
| Average total loans | $121,913,000 | 3,028 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 5,054 |
| Cost of funding earning assets | 0.9732% | 695 |
| Net interest margin | 2.7572% | 6,118 |
| Noninterest income to average assets | -0.1442% | 6,935 |
| Noninterest expense to average assets | 2.3553% | 5,257 |
| Loan and lease loss provision to assets | 0.1826% | 2,024 |
| Net operating income to assets | 0.0146% | 6,318 |
| Return on assets (ROA) | 0.0146% | 6,397 |
| Pretax return on assets | -0.1735% | 6,532 |
| Return on Equity (ROE) | 0.1474% | 6,398 |
| Retained earnings to average equity (ytd only) | 0.1474% | 5,733 |
| Net charge-offs to loans | 0.7350% | 831 |
| Credit loss provision to net charge-offs | 44.6429% | 2,697 |
| Earnings coverage of net charge-offs (x) | 0.0223% | 3,823 |
| Efficiency ratio | 99.6139% | 560 |
| Assets per employee ($millions) | 4.9197% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9093% | 726 |
| Loan loss allowance to noncurrent loans | 56.7780% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 5.1634% | 690 |
| Noncurrent loans to loans | 5.1240% | 732 |
| Net loans and leases to total assets | 54.4984% | 4,334 |
| Net loans and leases to deposits | 69.1069% | 3,626 |
| Net loans and leases to core deposits | 71.1715% | 3,937 |
| Total domestic deposits to total assets | 78.8610% | 5,986 |
| Equity capital to assets | 9.9812% | 4,171 |
| Core capital (leverage) ratio | 8.9603% | 4,949 |
| Tier 1 risk-based capital ratio | 12.7221% | 5,422 |
| Total risk-based capital ratio | 13.9853% | 5,361 |
| Memoranda: | ||
| Average total assets | $219,078,500 | 2,879 |
| Average earning assets | $199,336,000 | 2,910 |
| Average equity | $21,713,500 | 3,062 |
| Average total loans | $121,904,000 | 3,050 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 5,242 |
| Cost of funding earning assets | 1.1209% | 841 |
| Net interest margin | 2.8990% | 6,227 |
| Noninterest income to average assets | -0.0326% | 6,872 |
| Noninterest expense to average assets | 2.4355% | 5,302 |
| Loan and lease loss provision to assets | 0.3216% | 2,121 |
| Net operating income to assets | -0.0691% | 6,253 |
| Return on assets (ROA) | 0.1476% | 6,057 |
| Pretax return on assets | 0.0968% | 6,166 |
| Return on Equity (ROE) | 1.5378% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.5378% | 5,096 |
| Net charge-offs to loans | 1.4354% | 636 |
| Credit loss provision to net charge-offs | 37.4351% | 4,982 |
| Earnings coverage of net charge-offs (x) | 0.2347% | 5,356 |
| Efficiency ratio | 92.3545% | 893 |
| Assets per employee ($millions) | 5.0384% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9918% | 670 |
| Loan loss allowance to noncurrent loans | 50.7279% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 5.7084% | 641 |
| Noncurrent loans to loans | 5.8977% | 609 |
| Net loans and leases to total assets | 53.5175% | 4,689 |
| Net loans and leases to deposits | 67.8716% | 4,005 |
| Net loans and leases to core deposits | 70.0322% | 4,308 |
| Total domestic deposits to total assets | 78.8511% | 5,919 |
| Equity capital to assets | 9.8430% | 4,392 |
| Core capital (leverage) ratio | 8.7987% | 5,182 |
| Tier 1 risk-based capital ratio | 12.6329% | 5,376 |
| Total risk-based capital ratio | 13.8970% | 5,311 |
| Memoranda: | ||
| Average total assets | $224,183,000 | 2,795 |
| Average earning assets | $206,448,800 | 2,785 |
| Average equity | $21,524,200 | 3,037 |
| Average total loans | $134,175,000 | 2,806 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 5,205 |
| Cost of funding earning assets | 1.1473% | 875 |
| Net interest margin | 2.9481% | 6,279 |
| Noninterest income to average assets | -0.0202% | 6,972 |
| Noninterest expense to average assets | 2.4044% | 5,384 |
| Loan and lease loss provision to assets | 0.4187% | 1,526 |
| Net operating income to assets | -0.0718% | 6,375 |
| Return on assets (ROA) | 0.1512% | 6,185 |
| Pretax return on assets | 0.1032% | 6,271 |
| Return on Equity (ROE) | 1.5850% | 6,133 |
| Retained earnings to average equity (ytd only) | 1.5850% | 5,545 |
| Net charge-offs to loans | 1.8151% | 431 |
| Credit loss provision to net charge-offs | 37.8147% | 4,659 |
| Earnings coverage of net charge-offs (x) | 0.2700% | 5,193 |
| Efficiency ratio | 88.9425% | 1,119 |
| Assets per employee ($millions) | 5.0170% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0349% | 692 |
| Loan loss allowance to noncurrent loans | 38.6494% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 5.9122% | 685 |
| Noncurrent loans to loans | 7.8524% | 411 |
| Net loans and leases to total assets | 53.5957% | 4,807 |
| Net loans and leases to deposits | 67.8949% | 4,199 |
| Net loans and leases to core deposits | 70.0513% | 4,493 |
| Total domestic deposits to total assets | 78.9392% | 5,882 |
| Equity capital to assets | 9.9734% | 4,529 |
| Core capital (leverage) ratio | 8.8502% | 5,266 |
| Tier 1 risk-based capital ratio | 12.9624% | 5,280 |
| Total risk-based capital ratio | 14.2268% | 5,236 |
| Memoranda: | ||
| Average total assets | $224,806,250 | 2,808 |
| Average earning assets | $207,676,000 | 2,793 |
| Average equity | $21,450,000 | 3,071 |
| Average total loans | $137,143,250 | 2,788 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 5,142 |
| Cost of funding earning assets | 1.1708% | 940 |
| Net interest margin | 2.9753% | 6,287 |
| Noninterest income to average assets | -0.0053% | 7,010 |
| Noninterest expense to average assets | 2.4054% | 5,440 |
| Loan and lease loss provision to assets | 0.6111% | 963 |
| Net operating income to assets | -0.2043% | 6,549 |
| Return on assets (ROA) | 0.1282% | 6,258 |
| Pretax return on assets | 0.0681% | 6,364 |
| Return on Equity (ROE) | 1.3640% | 6,222 |
| Retained earnings to average equity (ytd only) | 1.3640% | 5,512 |
| Net charge-offs to loans | 1.5810% | 602 |
| Credit loss provision to net charge-offs | 61.4769% | 3,761 |
| Earnings coverage of net charge-offs (x) | 0.3488% | 4,905 |
| Efficiency ratio | 87.4036% | 1,299 |
| Assets per employee ($millions) | 5.1093% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2806% | 603 |
| Loan loss allowance to noncurrent loans | 36.0566% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 6.8258% | 586 |
| Noncurrent loans to loans | 9.0984% | 331 |
| Net loans and leases to total assets | 58.1105% | 4,139 |
| Net loans and leases to deposits | 72.8997% | 3,468 |
| Net loans and leases to core deposits | 75.1725% | 3,858 |
| Total domestic deposits to total assets | 79.7129% | 5,813 |
| Equity capital to assets | 9.5548% | 4,976 |
| Core capital (leverage) ratio | 8.6256% | 5,481 |
| Tier 1 risk-based capital ratio | 12.0823% | 5,872 |
| Total risk-based capital ratio | 13.3507% | 5,842 |
| Memoranda: | ||
| Average total assets | $226,159,330 | 2,802 |
| Average earning assets | $209,592,670 | 2,765 |
| Average equity | $21,261,330 | 3,082 |
| Average total loans | $142,186,330 | 2,738 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 4,861 |
| Cost of funding earning assets | 1.1954% | 1,009 |
| Net interest margin | 3.0719% | 6,123 |
| Noninterest income to average assets | 0.0035% | 7,082 |
| Noninterest expense to average assets | 2.5164% | 5,096 |
| Loan and lease loss provision to assets | 1.1921% | 323 |
| Net operating income to assets | -0.4391% | 6,794 |
| Return on assets (ROA) | -0.4391% | 6,826 |
| Pretax return on assets | -0.8500% | 6,944 |
| Return on Equity (ROE) | -4.7088% | 6,839 |
| Retained earnings to average equity (ytd only) | -4.7088% | 6,560 |
| Net charge-offs to loans | 1.1307% | 913 |
| Credit loss provision to net charge-offs | 164.0777% | 1,550 |
| Earnings coverage of net charge-offs (x) | 0.4709% | 4,107 |
| Efficiency ratio | 88.0321% | 1,279 |
| Assets per employee ($millions) | 4.7980% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6223% | 490 |
| Loan loss allowance to noncurrent loans | 33.9850% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 7.0504% | 605 |
| Noncurrent loans to loans | 10.6586% | 266 |
| Net loans and leases to total assets | 60.5033% | 3,555 |
| Net loans and leases to deposits | 75.3343% | 2,918 |
| Net loans and leases to core deposits | 77.7650% | 3,361 |
| Total domestic deposits to total assets | 80.3131% | 5,777 |
| Equity capital to assets | 9.3537% | 5,023 |
| Core capital (leverage) ratio | 8.6802% | 5,336 |
| Tier 1 risk-based capital ratio | 11.9197% | 6,014 |
| Total risk-based capital ratio | 13.1933% | 5,996 |
| Memoranda: | ||
| Average total assets | $226,835,000 | 2,806 |
| Average earning assets | $210,811,000 | 2,763 |
| Average equity | $21,152,000 | 3,092 |
| Average total loans | $145,745,500 | 2,692 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 3,591 |
| Cost of funding earning assets | 1.3449% | 1,264 |
| Net interest margin | 3.5047% | 5,128 |
| Noninterest income to average assets | -0.0209% | 7,032 |
| Noninterest expense to average assets | 2.6225% | 5,006 |
| Loan and lease loss provision to assets | 0.7992% | 1,234 |
| Net operating income to assets | -0.0028% | 6,042 |
| Return on assets (ROA) | 0.0975% | 5,986 |
| Pretax return on assets | -0.0361% | 6,163 |
| Return on Equity (ROE) | 1.0511% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.0511% | 5,363 |
| Net charge-offs to loans | 0.5448% | 2,833 |
| Credit loss provision to net charge-offs | 209.6963% | 1,175 |
| Earnings coverage of net charge-offs (x) | 1.5911% | 4,577 |
| Efficiency ratio | 81.2190% | 2,130 |
| Assets per employee ($millions) | 4.7534% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2443% | 653 |
| Loan loss allowance to noncurrent loans | 38.4476% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 5.9970% | 814 |
| Noncurrent loans to loans | 8.4382% | 452 |
| Net loans and leases to total assets | 63.5772% | 3,271 |
| Net loans and leases to deposits | 79.4646% | 2,618 |
| Net loans and leases to core deposits | 82.0063% | 3,179 |
| Total domestic deposits to total assets | 80.0070% | 5,743 |
| Equity capital to assets | 9.2963% | 5,155 |
| Core capital (leverage) ratio | 8.5949% | 5,407 |
| Tier 1 risk-based capital ratio | 11.4344% | 6,200 |
| Total risk-based capital ratio | 12.7039% | 6,179 |
| Memoranda: | ||
| Average total assets | $224,595,200 | 2,788 |
| Average earning assets | $208,261,000 | 2,746 |
| Average equity | $20,835,200 | 3,027 |
| Average total loans | $157,131,200 | 2,539 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9458% | 3,352 |
| Cost of funding earning assets | 1.3736% | 1,350 |
| Net interest margin | 3.5722% | 4,885 |
| Noninterest income to average assets | -0.0411% | 7,150 |
| Noninterest expense to average assets | 2.6374% | 4,947 |
| Loan and lease loss provision to assets | 0.9179% | 966 |
| Net operating income to assets | -0.0765% | 6,255 |
| Return on assets (ROA) | 0.0578% | 6,162 |
| Pretax return on assets | -0.0757% | 6,312 |
| Return on Equity (ROE) | 0.6235% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.6235% | 5,767 |
| Net charge-offs to loans | 0.6996% | 2,160 |
| Credit loss provision to net charge-offs | 184.6523% | 1,594 |
| Earnings coverage of net charge-offs (x) | 1.2722% | 4,663 |
| Efficiency ratio | 80.6599% | 2,162 |
| Assets per employee ($millions) | 4.6238% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0063% | 859 |
| Loan loss allowance to noncurrent loans | 40.9099% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 5.4969% | 1,018 |
| Noncurrent loans to loans | 7.3485% | 651 |
| Net loans and leases to total assets | 67.3201% | 2,608 |
| Net loans and leases to deposits | 85.2605% | 1,793 |
| Net loans and leases to core deposits | 88.2570% | 2,454 |
| Total domestic deposits to total assets | 78.9582% | 5,993 |
| Equity capital to assets | 9.5578% | 4,998 |
| Core capital (leverage) ratio | 8.7749% | 5,304 |
| Tier 1 risk-based capital ratio | 11.3281% | 6,340 |
| Total risk-based capital ratio | 12.5961% | 6,322 |
| Memoranda: | ||
| Average total assets | $223,702,750 | 2,808 |
| Average earning assets | $207,334,250 | 2,763 |
| Average equity | $20,741,250 | 3,046 |
| Average total loans | $158,932,750 | 2,532 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 3,140 |
| Cost of funding earning assets | 1.4040% | 1,405 |
| Net interest margin | 3.5990% | 4,717 |
| Noninterest income to average assets | 0.0071% | 7,172 |
| Noninterest expense to average assets | 2.5654% | 5,308 |
| Loan and lease loss provision to assets | 0.8560% | 1,054 |
| Net operating income to assets | -0.0696% | 6,315 |
| Return on assets (ROA) | 0.2443% | 5,707 |
| Pretax return on assets | 0.2345% | 5,851 |
| Return on Equity (ROE) | 2.6623% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.6623% | 4,596 |
| Net charge-offs to loans | 0.7486% | 2,001 |
| Credit loss provision to net charge-offs | 159.7338% | 1,901 |
| Earnings coverage of net charge-offs (x) | 1.4493% | 4,197 |
| Efficiency ratio | 76.7609% | 2,894 |
| Assets per employee ($millions) | 4.5474% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7270% | 1,150 |
| Loan loss allowance to noncurrent loans | 48.4177% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 4.5875% | 1,363 |
| Noncurrent loans to loans | 5.6322% | 1,108 |
| Net loans and leases to total assets | 68.5815% | 2,502 |
| Net loans and leases to deposits | 86.0042% | 1,796 |
| Net loans and leases to core deposits | 88.9731% | 2,502 |
| Total domestic deposits to total assets | 79.7420% | 5,895 |
| Equity capital to assets | 9.3932% | 4,986 |
| Core capital (leverage) ratio | 8.8473% | 4,967 |
| Tier 1 risk-based capital ratio | 11.1922% | 6,385 |
| Total risk-based capital ratio | 12.4565% | 6,369 |
| Memoranda: | ||
| Average total assets | $224,289,000 | 2,815 |
| Average earning assets | $207,837,000 | 2,784 |
| Average equity | $20,584,000 | 3,053 |
| Average total loans | $160,562,330 | 2,532 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 2,804 |
| Cost of funding earning assets | 1.4437% | 1,420 |
| Net interest margin | 3.6189% | 4,488 |
| Noninterest income to average assets | 0.0213% | 7,239 |
| Noninterest expense to average assets | 2.6540% | 5,018 |
| Loan and lease loss provision to assets | 0.4533% | 1,944 |
| Net operating income to assets | 0.2471% | 5,625 |
| Return on assets (ROA) | 0.2471% | 5,693 |
| Pretax return on assets | 0.2737% | 5,733 |
| Return on Equity (ROE) | 2.7240% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.7240% | 4,539 |
| Net charge-offs to loans | 0.4116% | 2,454 |
| Credit loss provision to net charge-offs | 152.6946% | 1,878 |
| Earnings coverage of net charge-offs (x) | 2.4491% | 3,101 |
| Efficiency ratio | 78.4963% | 2,771 |
| Assets per employee ($millions) | 4.3435% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5088% | 1,446 |
| Loan loss allowance to noncurrent loans | 55.5509% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 3.8480% | 1,737 |
| Noncurrent loans to loans | 4.5162% | 1,547 |
| Net loans and leases to total assets | 70.3976% | 2,054 |
| Net loans and leases to deposits | 88.1966% | 1,441 |
| Net loans and leases to core deposits | 91.1772% | 2,218 |
| Total domestic deposits to total assets | 79.8189% | 5,990 |
| Equity capital to assets | 9.2773% | 4,769 |
| Core capital (leverage) ratio | 8.8230% | 4,893 |
| Tier 1 risk-based capital ratio | 11.0347% | 6,489 |
| Total risk-based capital ratio | 12.2970% | 6,464 |
| Memoranda: | ||
| Average total assets | $225,023,000 | 2,821 |
| Average earning assets | $208,903,000 | 2,801 |
| Average equity | $20,411,000 | 3,062 |
| Average total loans | $162,294,500 | 2,531 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 3,328 |
| Cost of funding earning assets | 1.7312% | 1,459 |
| Net interest margin | 3.5249% | 5,138 |
| Noninterest income to average assets | 0.1580% | 6,595 |
| Noninterest expense to average assets | 2.5488% | 5,616 |
| Loan and lease loss provision to assets | 1.4390% | 1,036 |
| Net operating income to assets | -0.2534% | 6,169 |
| Return on assets (ROA) | -0.1278% | 6,074 |
| Pretax return on assets | -0.3654% | 6,217 |
| Return on Equity (ROE) | -1.3983% | 6,110 |
| Retained earnings to average equity (ytd only) | -1.3983% | 5,873 |
| Net charge-offs to loans | 1.4183% | 1,570 |
| Credit loss provision to net charge-offs | 141.4992% | 2,651 |
| Earnings coverage of net charge-offs (x) | 0.8626% | 5,272 |
| Efficiency ratio | 74.3940% | 3,320 |
| Assets per employee ($millions) | 4.4809% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3841% | 1,565 |
| Loan loss allowance to noncurrent loans | 98.1250% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.3166% | 2,953 |
| Noncurrent loans to loans | 2.4297% | 3,089 |
| Net loans and leases to total assets | 70.3230% | 2,458 |
| Net loans and leases to deposits | 89.0092% | 1,645 |
| Net loans and leases to core deposits | 91.6597% | 2,535 |
| Total domestic deposits to total assets | 79.0064% | 6,075 |
| Equity capital to assets | 8.8703% | 5,325 |
| Core capital (leverage) ratio | 8.6247% | 5,153 |
| Tier 1 risk-based capital ratio | 10.4130% | 6,753 |
| Total risk-based capital ratio | 11.6726% | 6,725 |
| Memoranda: | ||
| Average total assets | $234,817,400 | 2,694 |
| Average earning assets | $217,707,800 | 2,658 |
| Average equity | $21,455,200 | 2,953 |
| Average total loans | $168,373,800 | 2,491 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 3,464 |
| Cost of funding earning assets | 1.7945% | 1,436 |
| Net interest margin | 3.4819% | 5,369 |
| Noninterest income to average assets | 0.1376% | 6,867 |
| Noninterest expense to average assets | 2.4902% | 5,745 |
| Loan and lease loss provision to assets | 0.7953% | 1,910 |
| Net operating income to assets | 0.0700% | 5,836 |
| Return on assets (ROA) | 0.3040% | 5,322 |
| Pretax return on assets | 0.3384% | 5,403 |
| Return on Equity (ROE) | 3.3039% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.3039% | 4,121 |
| Net charge-offs to loans | 0.8127% | 2,419 |
| Credit loss provision to net charge-offs | 136.6279% | 2,924 |
| Earnings coverage of net charge-offs (x) | 1.5010% | 4,603 |
| Efficiency ratio | 74.0275% | 3,324 |
| Assets per employee ($millions) | 4.5092% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 2,268 |
| Loan loss allowance to noncurrent loans | 49.3224% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 3.5053% | 2,036 |
| Noncurrent loans to loans | 4.0218% | 1,865 |
| Net loans and leases to total assets | 71.1633% | 2,450 |
| Net loans and leases to deposits | 90.4340% | 1,662 |
| Net loans and leases to core deposits | 93.1508% | 2,638 |
| Total domestic deposits to total assets | 78.6909% | 6,090 |
| Equity capital to assets | 9.6692% | 4,587 |
| Core capital (leverage) ratio | 9.2013% | 4,367 |
| Tier 1 risk-based capital ratio | 11.5469% | 5,882 |
| Total risk-based capital ratio | 12.8035% | 5,866 |
| Memoranda: | ||
| Average total assets | $236,390,000 | 2,712 |
| Average earning assets | $219,032,000 | 2,680 |
| Average equity | $21,751,250 | 2,948 |
| Average total loans | $169,309,250 | 2,525 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 3,727 |
| Cost of funding earning assets | 1.8550% | 1,408 |
| Net interest margin | 3.3925% | 5,668 |
| Noninterest income to average assets | 0.1987% | 6,481 |
| Noninterest expense to average assets | 2.5129% | 5,670 |
| Loan and lease loss provision to assets | 0.8510% | 1,712 |
| Net operating income to assets | -0.0167% | 6,100 |
| Return on assets (ROA) | 0.3312% | 5,215 |
| Pretax return on assets | 0.3664% | 5,321 |
| Return on Equity (ROE) | 3.6592% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.6592% | 3,769 |
| Net charge-offs to loans | 0.7079% | 2,445 |
| Credit loss provision to net charge-offs | 168.6047% | 2,326 |
| Earnings coverage of net charge-offs (x) | 1.6462% | 4,270 |
| Efficiency ratio | 75.1505% | 3,235 |
| Assets per employee ($millions) | 4.5111% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 2,277 |
| Loan loss allowance to noncurrent loans | 60.7662% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 3.0105% | 2,365 |
| Noncurrent loans to loans | 3.2288% | 2,482 |
| Net loans and leases to total assets | 71.2961% | 2,594 |
| Net loans and leases to deposits | 89.9708% | 1,861 |
| Net loans and leases to core deposits | 92.5744% | 2,908 |
| Total domestic deposits to total assets | 79.2436% | 5,961 |
| Equity capital to assets | 9.3103% | 4,989 |
| Core capital (leverage) ratio | 8.9120% | 4,738 |
| Tier 1 risk-based capital ratio | 11.1939% | 6,043 |
| Total risk-based capital ratio | 12.4500% | 6,024 |
| Memoranda: | ||
| Average total assets | $238,531,000 | 2,717 |
| Average earning assets | $221,137,670 | 2,667 |
| Average equity | $21,589,670 | 2,963 |
| Average total loans | $170,091,000 | 2,539 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 4,147 |
| Cost of funding earning assets | 1.8522% | 1,650 |
| Net interest margin | 3.3256% | 5,884 |
| Noninterest income to average assets | 0.1397% | 6,982 |
| Noninterest expense to average assets | 2.6062% | 5,335 |
| Loan and lease loss provision to assets | 0.3659% | 3,175 |
| Net operating income to assets | 0.1831% | 5,740 |
| Return on assets (ROA) | 0.7351% | 3,388 |
| Pretax return on assets | 1.0162% | 3,030 |
| Return on Equity (ROE) | 8.2369% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.2369% | 1,609 |
| Net charge-offs to loans | 0.2237% | 3,590 |
| Credit loss provision to net charge-offs | 231.5789% | 1,647 |
| Earnings coverage of net charge-offs (x) | 3.8947% | 2,753 |
| Efficiency ratio | 80.8983% | 2,426 |
| Assets per employee ($millions) | 4.6131% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 2,746 |
| Loan loss allowance to noncurrent loans | 53.8936% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.0807% | 2,322 |
| Noncurrent loans to loans | 3.3328% | 2,400 |
| Net loans and leases to total assets | 69.7204% | 3,003 |
| Net loans and leases to deposits | 86.7814% | 2,456 |
| Net loans and leases to core deposits | 88.8987% | 3,512 |
| Total domestic deposits to total assets | 80.3403% | 5,667 |
| Equity capital to assets | 9.0120% | 5,259 |
| Core capital (leverage) ratio | 9.0742% | 4,429 |
| Tier 1 risk-based capital ratio | 11.1224% | 6,035 |
| Total risk-based capital ratio | 12.3767% | 5,999 |
| Memoranda: | ||
| Average total assets | $240,507,500 | 2,759 |
| Average earning assets | $222,874,000 | 2,700 |
| Average equity | $21,464,500 | 3,009 |
| Average total loans | $169,840,500 | 2,610 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4573% | 4,403 |
| Cost of funding earning assets | 2.3547% | 1,441 |
| Net interest margin | 3.1026% | 6,360 |
| Noninterest income to average assets | 0.0201% | 7,626 |
| Noninterest expense to average assets | 2.6140% | 5,743 |
| Loan and lease loss provision to assets | 0.4333% | 4,225 |
| Net operating income to assets | 0.0104% | 5,456 |
| Return on assets (ROA) | 0.0164% | 5,486 |
| Pretax return on assets | -0.1503% | 5,641 |
| Return on Equity (ROE) | 0.1895% | 5,471 |
| Retained earnings to average equity (ytd only) | 0.1895% | 4,796 |
| Net charge-offs to loans | 0.6047% | 3,405 |
| Credit loss provision to net charge-offs | 99.7164% | 5,590 |
| Earnings coverage of net charge-offs (x) | 0.6295% | 5,465 |
| Efficiency ratio | 90.5263% | 1,667 |
| Assets per employee ($millions) | 4.3843% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 2,778 |
| Loan loss allowance to noncurrent loans | 46.3214% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 3.4023% | 1,991 |
| Noncurrent loans to loans | 3.7396% | 2,007 |
| Net loans and leases to total assets | 69.0247% | 3,483 |
| Net loans and leases to deposits | 86.5956% | 2,808 |
| Net loans and leases to core deposits | 110.8571% | 2,812 |
| Total domestic deposits to total assets | 79.7092% | 5,769 |
| Equity capital to assets | 8.8378% | 5,371 |
| Core capital (leverage) ratio | 8.7494% | 4,842 |
| Tier 1 risk-based capital ratio | 10.9044% | 6,005 |
| Total risk-based capital ratio | 12.1697% | 5,968 |
| Memoranda: | ||
| Average total assets | $243,462,200 | 2,680 |
| Average earning assets | $225,001,400 | 2,648 |
| Average equity | $21,108,200 | 3,057 |
| Average total loans | $174,952,600 | 2,572 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 4,266 |
| Cost of funding earning assets | 2.4830% | 1,355 |
| Net interest margin | 3.0485% | 6,465 |
| Noninterest income to average assets | 0.1005% | 7,402 |
| Noninterest expense to average assets | 2.5301% | 5,975 |
| Loan and lease loss provision to assets | 0.2213% | 5,202 |
| Net operating income to assets | 0.2071% | 5,127 |
| Return on assets (ROA) | 0.2054% | 5,223 |
| Pretax return on assets | 0.1634% | 5,378 |
| Return on Equity (ROE) | 2.3807% | 5,036 |
| Retained earnings to average equity (ytd only) | 2.3807% | 3,994 |
| Net charge-offs to loans | 0.2548% | 4,461 |
| Credit loss provision to net charge-offs | 120.1780% | 4,220 |
| Earnings coverage of net charge-offs (x) | 2.0979% | 4,247 |
| Efficiency ratio | 86.7553% | 1,986 |
| Assets per employee ($millions) | 4.1803% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 2,405 |
| Loan loss allowance to noncurrent loans | 39.6438% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 4.6345% | 1,300 |
| Noncurrent loans to loans | 4.4431% | 1,580 |
| Net loans and leases to total assets | 70.3369% | 3,430 |
| Net loans and leases to deposits | 89.2880% | 2,722 |
| Net loans and leases to core deposits | 114.0635% | 2,822 |
| Total domestic deposits to total assets | 78.7753% | 5,874 |
| Equity capital to assets | 9.1460% | 5,269 |
| Core capital (leverage) ratio | 8.8459% | 4,900 |
| Tier 1 risk-based capital ratio | 11.0241% | 5,928 |
| Total risk-based capital ratio | 12.2966% | 5,861 |
| Memoranda: | ||
| Average total assets | $244,044,250 | 2,687 |
| Average earning assets | $225,417,250 | 2,668 |
| Average equity | $21,057,500 | 3,093 |
| Average total loans | $176,346,750 | 2,587 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5359% | 4,410 |
| Cost of funding earning assets | 2.6015% | 1,281 |
| Net interest margin | 2.9344% | 6,726 |
| Noninterest income to average assets | 0.0577% | 7,700 |
| Noninterest expense to average assets | 2.4881% | 6,159 |
| Loan and lease loss provision to assets | 0.2073% | 4,977 |
| Net operating income to assets | 0.1252% | 5,492 |
| Return on assets (ROA) | 0.1821% | 5,412 |
| Pretax return on assets | 0.1285% | 5,605 |
| Return on Equity (ROE) | 2.1526% | 5,238 |
| Retained earnings to average equity (ytd only) | 2.1526% | 4,151 |
| Net charge-offs to loans | 0.3826% | 3,289 |
| Credit loss provision to net charge-offs | 74.7801% | 5,328 |
| Earnings coverage of net charge-offs (x) | 1.0059% | 4,779 |
| Efficiency ratio | 89.9207% | 1,823 |
| Assets per employee ($millions) | 4.1035% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 2,497 |
| Loan loss allowance to noncurrent loans | 62.0322% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 3.0897% | 2,035 |
| Noncurrent loans to loans | 2.6704% | 2,699 |
| Net loans and leases to total assets | 68.7465% | 4,012 |
| Net loans and leases to deposits | 85.5198% | 3,643 |
| Net loans and leases to core deposits | 109.0937% | 3,484 |
| Total domestic deposits to total assets | 80.3866% | 5,321 |
| Equity capital to assets | 8.4615% | 6,102 |
| Core capital (leverage) ratio | 8.6804% | 5,125 |
| Tier 1 risk-based capital ratio | 10.7432% | 6,146 |
| Total risk-based capital ratio | 12.0109% | 6,062 |
| Memoranda: | ||
| Average total assets | $245,966,000 | 2,682 |
| Average earning assets | $227,100,330 | 2,663 |
| Average equity | $20,812,330 | 3,125 |
| Average total loans | $178,261,330 | 2,598 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 4,406 |
| Cost of funding earning assets | 2.6410% | 1,444 |
| Net interest margin | 2.9506% | 6,614 |
| Noninterest income to average assets | 0.0651% | 7,744 |
| Noninterest expense to average assets | 2.4894% | 5,878 |
| Loan and lease loss provision to assets | 0.0488% | 6,359 |
| Net operating income to assets | 0.2652% | 5,417 |
| Return on assets (ROA) | 0.2587% | 5,615 |
| Pretax return on assets | 0.2489% | 5,826 |
| Return on Equity (ROE) | 3.0574% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.0574% | 4,178 |
| Net charge-offs to loans | 0.1787% | 3,570 |
| Credit loss provision to net charge-offs | 37.0370% | 4,852 |
| Earnings coverage of net charge-offs (x) | 2.3086% | 3,581 |
| Efficiency ratio | 89.1089% | 1,799 |
| Assets per employee ($millions) | 3.9830% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 2,532 |
| Loan loss allowance to noncurrent loans | 67.2884% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.8585% | 1,991 |
| Noncurrent loans to loans | 2.3737% | 2,770 |
| Net loans and leases to total assets | 73.1809% | 2,966 |
| Net loans and leases to deposits | 91.4722% | 2,696 |
| Net loans and leases to core deposits | 117.3922% | 2,648 |
| Total domestic deposits to total assets | 80.0034% | 5,370 |
| Equity capital to assets | 8.5734% | 5,951 |
| Core capital (leverage) ratio | 8.6495% | 5,260 |
| Tier 1 risk-based capital ratio | 9.8949% | 7,045 |
| Total risk-based capital ratio | 11.0872% | 7,010 |
| Memoranda: | ||
| Average total assets | $245,844,500 | 2,696 |
| Average earning assets | $227,341,000 | 2,673 |
| Average equity | $20,802,000 | 3,140 |
| Average total loans | $181,336,500 | 2,577 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0865% | 5,114 |
| Cost of funding earning assets | 3.0233% | 1,786 |
| Net interest margin | 3.0632% | 6,753 |
| Noninterest income to average assets | 0.1852% | 7,121 |
| Noninterest expense to average assets | 2.9128% | 4,406 |
| Loan and lease loss provision to assets | 0.8139% | 1,824 |
| Net operating income to assets | -0.3280% | 6,757 |
| Return on assets (ROA) | -0.4093% | 6,711 |
| Pretax return on assets | -0.8281% | 6,894 |
| Return on Equity (ROE) | -4.7740% | 6,841 |
| Retained earnings to average equity (ytd only) | -5.5262% | 6,588 |
| Net charge-offs to loans | 0.9265% | 1,339 |
| Credit loss provision to net charge-offs | 121.1235% | 4,431 |
| Earnings coverage of net charge-offs (x) | 0.1679% | 6,149 |
| Efficiency ratio | 96.2703% | 1,139 |
| Assets per employee ($millions) | 4.0775% | 3,346 |
| Cash dividends to net income (ytd only)* | -15.7541% | 7,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 2,183 |
| Loan loss allowance to noncurrent loans | 69.4819% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 2.8778% | 1,618 |
| Noncurrent loans to loans | 2.3227% | 2,383 |
| Net loans and leases to total assets | 71.9859% | 3,586 |
| Net loans and leases to deposits | 90.1433% | 3,427 |
| Net loans and leases to core deposits | 113.5709% | 3,390 |
| Total domestic deposits to total assets | 79.8571% | 5,082 |
| Equity capital to assets | 8.3521% | 6,339 |
| Core capital (leverage) ratio | 8.2214% | 6,121 |
| Tier 1 risk-based capital ratio | 10.2320% | 6,487 |
| Total risk-based capital ratio | 11.3427% | 6,505 |
| Memoranda: | ||
| Average total assets | $254,322,600 | 2,520 |
| Average earning assets | $235,831,600 | 2,495 |
| Average equity | $21,805,400 | 3,000 |
| Average total loans | $184,466,800 | 2,455 |