Home > Canon National Bank > Performance and Condition Ratios
Canon National Bank, Performance and Condition Ratios
| 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 | 4.7075% | 1,085 |
| Cost of funding earning assets | 0.2659% | 4,712 |
| Net interest margin | 4.4416% | 733 |
| Noninterest income to average assets | 1.0048% | 1,174 |
| Noninterest expense to average assets | 3.5955% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0138% | 2,400 |
| Return on assets (ROA) | 1.0138% | 2,499 |
| Pretax return on assets | 1.5906% | 1,410 |
| Return on Equity (ROE) | 9.6331% | 2,246 |
| Retained earnings to average equity (ytd only) | 5.8858% | 2,319 |
| Net charge-offs to loans | -0.1595% | 5,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3298% | 3,325 |
| Assets per employee ($millions) | 3.1710% | 5,342 |
| Cash dividends to net income (ytd only)* | 38.9006% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 1,021 |
| Loan loss allowance to noncurrent loans | 1,932.0988% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 4,591 |
| Noncurrent loans to loans | 0.0996% | 5,237 |
| Net loans and leases to total assets | 61.3558% | 3,684 |
| Net loans and leases to deposits | 68.8738% | 4,107 |
| Net loans and leases to core deposits | 70.1130% | 4,360 |
| Total domestic deposits to total assets | 89.0843% | 988 |
| Equity capital to assets | 10.4768% | 3,625 |
| Core capital (leverage) ratio | 10.5656% | 2,966 |
| Tier 1 risk-based capital ratio | 17.3011% | 2,256 |
| Total risk-based capital ratio | 18.5622% | 2,203 |
| Memoranda: | ||
| Average total assets | $253,568,250 | 2,498 |
| Average earning assets | $238,707,500 | 2,452 |
| Average equity | $26,685,000 | 2,588 |
| Average total loans | $156,301,750 | 2,528 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 919 |
| Cost of funding earning assets | 0.2708% | 4,707 |
| Net interest margin | 4.5126% | 625 |
| Noninterest income to average assets | 0.9848% | 1,211 |
| Noninterest expense to average assets | 3.6521% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0039% | 2,376 |
| Return on assets (ROA) | 1.0039% | 2,477 |
| Pretax return on assets | 1.5751% | 1,407 |
| Return on Equity (ROE) | 9.5248% | 2,289 |
| Retained earnings to average equity (ytd only) | 5.7511% | 2,380 |
| Net charge-offs to loans | -0.2218% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8676% | 3,347 |
| Assets per employee ($millions) | 3.1252% | 5,437 |
| Cash dividends to net income (ytd only)* | 39.6197% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9580% | 1,055 |
| Loan loss allowance to noncurrent loans | 1,864.6707% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 4,125 |
| Noncurrent loans to loans | 0.1050% | 5,325 |
| Net loans and leases to total assets | 61.5968% | 3,611 |
| Net loans and leases to deposits | 69.2023% | 4,018 |
| Net loans and leases to core deposits | 70.5601% | 4,272 |
| Total domestic deposits to total assets | 89.0098% | 1,138 |
| Equity capital to assets | 10.6130% | 3,308 |
| Core capital (leverage) ratio | 10.4969% | 2,956 |
| Tier 1 risk-based capital ratio | 17.1692% | 2,344 |
| Total risk-based capital ratio | 18.4307% | 2,285 |
| Memoranda: | ||
| Average total assets | $251,417,330 | 2,541 |
| Average earning assets | $236,361,000 | 2,491 |
| Average equity | $26,499,330 | 2,614 |
| Average total loans | $154,179,670 | 2,565 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 614 |
| Cost of funding earning assets | 0.2780% | 4,693 |
| Net interest margin | 4.6821% | 423 |
| Noninterest income to average assets | 0.7982% | 1,711 |
| Noninterest expense to average assets | 3.6543% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9898% | 2,314 |
| Return on assets (ROA) | 0.9898% | 2,441 |
| Pretax return on assets | 1.5534% | 1,378 |
| Return on Equity (ROE) | 9.4239% | 2,252 |
| Retained earnings to average equity (ytd only) | 5.6240% | 2,704 |
| Net charge-offs to loans | -0.0053% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1717% | 3,459 |
| Assets per employee ($millions) | 2.9922% | 5,669 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 1,242 |
| Loan loss allowance to noncurrent loans | 985.2843% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 3,988 |
| Noncurrent loans to loans | 0.1950% | 5,081 |
| Net loans and leases to total assets | 59.8438% | 3,677 |
| Net loans and leases to deposits | 67.2145% | 4,032 |
| Net loans and leases to core deposits | 68.9312% | 4,245 |
| Total domestic deposits to total assets | 89.0340% | 1,244 |
| Equity capital to assets | 10.5606% | 3,471 |
| Core capital (leverage) ratio | 10.3485% | 3,168 |
| Tier 1 risk-based capital ratio | 16.0758% | 2,887 |
| Total risk-based capital ratio | 17.3327% | 2,818 |
| Memoranda: | ||
| Average total assets | $250,554,500 | 2,555 |
| Average earning assets | $235,962,000 | 2,507 |
| Average equity | $26,316,000 | 2,645 |
| Average total loans | $151,748,500 | 2,600 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,572 |
| Cost of funding earning assets | 0.3297% | 4,494 |
| Net interest margin | 4.2647% | 1,130 |
| Noninterest income to average assets | 0.8097% | 1,831 |
| Noninterest expense to average assets | 3.6291% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8033% | 3,356 |
| Return on assets (ROA) | 0.8033% | 3,451 |
| Pretax return on assets | 1.1781% | 2,743 |
| Return on Equity (ROE) | 7.6690% | 3,292 |
| Retained earnings to average equity (ytd only) | 0.3505% | 5,619 |
| Net charge-offs to loans | 0.0474% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 42.3188% | 1,035 |
| Efficiency ratio | 75.4931% | 2,598 |
| Assets per employee ($millions) | 3.0093% | 5,682 |
| Cash dividends to net income (ytd only)* | 95.4294% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 1,183 |
| Loan loss allowance to noncurrent loans | 949.3548% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 4,031 |
| Noncurrent loans to loans | 0.2065% | 5,079 |
| Net loans and leases to total assets | 58.9331% | 3,926 |
| Net loans and leases to deposits | 66.2255% | 4,296 |
| Net loans and leases to core deposits | 67.8410% | 4,525 |
| Total domestic deposits to total assets | 88.9886% | 1,245 |
| Equity capital to assets | 10.4453% | 3,556 |
| Core capital (leverage) ratio | 9.9370% | 3,665 |
| Tier 1 risk-based capital ratio | 15.4658% | 3,239 |
| Total risk-based capital ratio | 16.7187% | 3,178 |
| Memoranda: | ||
| Average total assets | $247,857,200 | 2,547 |
| Average earning assets | $232,327,000 | 2,496 |
| Average equity | $25,961,800 | 2,575 |
| Average total loans | $145,624,000 | 2,631 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,631 |
| Cost of funding earning assets | 0.3378% | 4,495 |
| Net interest margin | 4.2359% | 1,189 |
| Noninterest income to average assets | 0.8424% | 1,735 |
| Noninterest expense to average assets | 3.6283% | 1,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8058% | 3,409 |
| Return on assets (ROA) | 0.8058% | 3,500 |
| Pretax return on assets | 1.1809% | 2,854 |
| Return on Equity (ROE) | 7.6872% | 3,370 |
| Retained earnings to average equity (ytd only) | -1.0541% | 5,972 |
| Net charge-offs to loans | 0.0729% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 27.7344% | 1,439 |
| Efficiency ratio | 75.4455% | 2,582 |
| Assets per employee ($millions) | 3.0354% | 5,692 |
| Cash dividends to net income (ytd only)* | 113.7126% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 1,443 |
| Loan loss allowance to noncurrent loans | 788.4409% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 3,794 |
| Noncurrent loans to loans | 0.2416% | 5,175 |
| Net loans and leases to total assets | 59.2394% | 3,898 |
| Net loans and leases to deposits | 66.2130% | 4,303 |
| Net loans and leases to core deposits | 67.9346% | 4,512 |
| Total domestic deposits to total assets | 89.4679% | 996 |
| Equity capital to assets | 10.0418% | 4,114 |
| Core capital (leverage) ratio | 9.8620% | 3,862 |
| Tier 1 risk-based capital ratio | 14.9515% | 3,617 |
| Total risk-based capital ratio | 16.2093% | 3,541 |
| Memoranda: | ||
| Average total assets | $247,379,500 | 2,560 |
| Average earning assets | $231,667,250 | 2,523 |
| Average equity | $25,930,000 | 2,582 |
| Average total loans | $144,495,250 | 2,660 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 1,612 |
| Cost of funding earning assets | 0.3487% | 4,451 |
| Net interest margin | 4.2214% | 1,196 |
| Noninterest income to average assets | 0.8266% | 1,746 |
| Noninterest expense to average assets | 3.7248% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7172% | 3,745 |
| Return on assets (ROA) | 0.7172% | 3,843 |
| Pretax return on assets | 1.0472% | 3,292 |
| Return on Equity (ROE) | 6.7438% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.7438% | 1,904 |
| Net charge-offs to loans | 0.1132% | 2,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.0250% | 1,819 |
| Efficiency ratio | 78.0555% | 2,283 |
| Assets per employee ($millions) | 2.9573% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 1,346 |
| Loan loss allowance to noncurrent loans | 273.5075% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 3,003 |
| Noncurrent loans to loans | 0.7340% | 3,862 |
| Net loans and leases to total assets | 58.3053% | 3,951 |
| Net loans and leases to deposits | 65.6911% | 4,298 |
| Net loans and leases to core deposits | 67.4802% | 4,508 |
| Total domestic deposits to total assets | 88.7567% | 1,503 |
| Equity capital to assets | 10.9035% | 2,975 |
| Core capital (leverage) ratio | 10.6527% | 2,769 |
| Tier 1 risk-based capital ratio | 16.3756% | 2,888 |
| Total risk-based capital ratio | 17.6345% | 2,843 |
| Memoranda: | ||
| Average total assets | $244,848,000 | 2,590 |
| Average earning assets | $228,836,330 | 2,561 |
| Average equity | $26,038,670 | 2,559 |
| Average total loans | $141,334,330 | 2,705 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 1,503 |
| Cost of funding earning assets | 0.3676% | 4,346 |
| Net interest margin | 4.2345% | 1,131 |
| Noninterest income to average assets | 0.8407% | 1,601 |
| Noninterest expense to average assets | 3.6034% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8162% | 3,071 |
| Return on assets (ROA) | 0.8162% | 3,144 |
| Pretax return on assets | 1.1941% | 2,506 |
| Return on Equity (ROE) | 7.7736% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.7736% | 1,693 |
| Net charge-offs to loans | 0.1928% | 1,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.8955% | 1,819 |
| Efficiency ratio | 75.1108% | 2,950 |
| Assets per employee ($millions) | 2.8886% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 1,356 |
| Loan loss allowance to noncurrent loans | 232.4388% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 3,017 |
| Noncurrent loans to loans | 0.8970% | 3,641 |
| Net loans and leases to total assets | 57.0008% | 4,001 |
| Net loans and leases to deposits | 64.0874% | 4,303 |
| Net loans and leases to core deposits | 65.6124% | 4,535 |
| Total domestic deposits to total assets | 88.9422% | 1,701 |
| Equity capital to assets | 10.6893% | 3,053 |
| Core capital (leverage) ratio | 10.4342% | 3,012 |
| Tier 1 risk-based capital ratio | 16.3338% | 2,986 |
| Total risk-based capital ratio | 17.5812% | 2,954 |
| Memoranda: | ||
| Average total assets | $244,545,500 | 2,601 |
| Average earning assets | $228,502,000 | 2,572 |
| Average equity | $25,676,500 | 2,583 |
| Average total loans | $138,979,500 | 2,752 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 2,292 |
| Cost of funding earning assets | 0.4608% | 4,017 |
| Net interest margin | 4.0190% | 1,898 |
| Noninterest income to average assets | 0.8654% | 1,801 |
| Noninterest expense to average assets | 3.6322% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6733% | 3,927 |
| Return on assets (ROA) | 0.7916% | 3,435 |
| Pretax return on assets | 1.1385% | 2,814 |
| Return on Equity (ROE) | 7.2697% | 3,423 |
| Retained earnings to average equity (ytd only) | 4.6244% | 2,869 |
| Net charge-offs to loans | 0.2146% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.0283% | 2,742 |
| Efficiency ratio | 78.9318% | 2,336 |
| Assets per employee ($millions) | 2.9692% | 5,876 |
| Cash dividends to net income (ytd only)* | 36.3881% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2033% | 1,173 |
| Loan loss allowance to noncurrent loans | 246.2796% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 3,155 |
| Noncurrent loans to loans | 0.8946% | 3,751 |
| Net loans and leases to total assets | 54.2482% | 4,553 |
| Net loans and leases to deposits | 60.9285% | 4,840 |
| Net loans and leases to core deposits | 62.3455% | 5,028 |
| Total domestic deposits to total assets | 89.0358% | 1,598 |
| Equity capital to assets | 10.3130% | 3,384 |
| Core capital (leverage) ratio | 10.0453% | 3,502 |
| Tier 1 risk-based capital ratio | 16.0130% | 3,087 |
| Total risk-based capital ratio | 17.2738% | 3,040 |
| Memoranda: | ||
| Average total assets | $234,345,800 | 2,674 |
| Average earning assets | $217,865,200 | 2,646 |
| Average equity | $25,516,800 | 2,584 |
| Average total loans | $131,855,600 | 2,827 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 2,268 |
| Cost of funding earning assets | 0.4848% | 3,918 |
| Net interest margin | 4.0065% | 1,923 |
| Noninterest income to average assets | 0.9291% | 1,662 |
| Noninterest expense to average assets | 3.6987% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6610% | 4,061 |
| Return on assets (ROA) | 0.8208% | 3,369 |
| Pretax return on assets | 1.1787% | 2,787 |
| Return on Equity (ROE) | 7.4333% | 3,416 |
| Retained earnings to average equity (ytd only) | 5.8673% | 2,500 |
| Net charge-offs to loans | 0.2521% | 2,304 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.6760% | 2,925 |
| Efficiency ratio | 79.5562% | 2,167 |
| Assets per employee ($millions) | 2.9245% | 5,970 |
| Cash dividends to net income (ytd only)* | 21.0674% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2338% | 1,277 |
| Loan loss allowance to noncurrent loans | 188.4972% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 2,854 |
| Noncurrent loans to loans | 1.1851% | 3,448 |
| Net loans and leases to total assets | 57.0195% | 4,165 |
| Net loans and leases to deposits | 64.4857% | 4,467 |
| Net loans and leases to core deposits | 66.3333% | 4,682 |
| Total domestic deposits to total assets | 88.4218% | 1,880 |
| Equity capital to assets | 10.8900% | 2,870 |
| Core capital (leverage) ratio | 10.4139% | 3,098 |
| Tier 1 risk-based capital ratio | 16.0103% | 3,189 |
| Total risk-based capital ratio | 17.2616% | 3,144 |
| Memoranda: | ||
| Average total assets | $231,320,500 | 2,719 |
| Average earning assets | $214,777,500 | 2,687 |
| Average equity | $25,542,000 | 2,616 |
| Average total loans | $130,643,250 | 2,866 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 2,233 |
| Cost of funding earning assets | 0.4999% | 3,903 |
| Net interest margin | 3.9905% | 1,893 |
| Noninterest income to average assets | 0.8618% | 1,953 |
| Noninterest expense to average assets | 3.6443% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6481% | 4,066 |
| Return on assets (ROA) | 0.8887% | 3,004 |
| Pretax return on assets | 1.2749% | 2,387 |
| Return on Equity (ROE) | 8.0115% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.0115% | 1,484 |
| Net charge-offs to loans | 0.2486% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.7063% | 2,670 |
| Efficiency ratio | 79.6472% | 2,205 |
| Assets per employee ($millions) | 2.8754% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3479% | 1,172 |
| Loan loss allowance to noncurrent loans | 224.0886% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 2,977 |
| Noncurrent loans to loans | 1.0478% | 3,838 |
| Net loans and leases to total assets | 55.9815% | 4,295 |
| Net loans and leases to deposits | 63.2785% | 4,587 |
| Net loans and leases to core deposits | 65.1054% | 4,779 |
| Total domestic deposits to total assets | 88.4685% | 1,935 |
| Equity capital to assets | 10.9601% | 2,789 |
| Core capital (leverage) ratio | 10.3969% | 2,990 |
| Tier 1 risk-based capital ratio | 16.3391% | 3,014 |
| Total risk-based capital ratio | 17.5956% | 2,975 |
| Memoranda: | ||
| Average total assets | $230,441,670 | 2,739 |
| Average earning assets | $214,458,330 | 2,698 |
| Average equity | $25,563,330 | 2,620 |
| Average total loans | $128,708,000 | 2,907 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 2,113 |
| Cost of funding earning assets | 0.5271% | 3,816 |
| Net interest margin | 3.9878% | 1,837 |
| Noninterest income to average assets | 0.7242% | 2,458 |
| Noninterest expense to average assets | 3.6055% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5755% | 4,336 |
| Return on assets (ROA) | 1.0593% | 2,114 |
| Pretax return on assets | 1.5200% | 1,515 |
| Return on Equity (ROE) | 9.4912% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.4912% | 1,246 |
| Net charge-offs to loans | 0.0665% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 22.6190% | 1,129 |
| Efficiency ratio | 81.3066% | 2,151 |
| Assets per employee ($millions) | 2.9184% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5202% | 1,087 |
| Loan loss allowance to noncurrent loans | 200.1222% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 2,808 |
| Noncurrent loans to loans | 1.2593% | 3,674 |
| Net loans and leases to total assets | 54.9278% | 4,257 |
| Net loans and leases to deposits | 62.1380% | 4,524 |
| Net loans and leases to core deposits | 63.9479% | 4,745 |
| Total domestic deposits to total assets | 88.3964% | 2,070 |
| Equity capital to assets | 11.1733% | 2,773 |
| Core capital (leverage) ratio | 10.3837% | 2,926 |
| Tier 1 risk-based capital ratio | 16.4911% | 3,006 |
| Total risk-based capital ratio | 17.7520% | 2,959 |
| Memoranda: | ||
| Average total assets | $229,208,000 | 2,785 |
| Average earning assets | $213,251,000 | 2,728 |
| Average equity | $25,581,500 | 2,650 |
| Average total loans | $126,301,500 | 2,963 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 2,317 |
| Cost of funding earning assets | 0.7460% | 3,112 |
| Net interest margin | 4.0254% | 2,291 |
| Noninterest income to average assets | 0.4536% | 4,225 |
| Noninterest expense to average assets | 3.8312% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2838% | 5,523 |
| Return on assets (ROA) | 0.2852% | 5,727 |
| Pretax return on assets | 0.3428% | 5,733 |
| Return on Equity (ROE) | 2.5734% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.5734% | 4,413 |
| Net charge-offs to loans | 0.3120% | 3,084 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.0638% | 4,380 |
| Efficiency ratio | 91.8256% | 931 |
| Assets per employee ($millions) | 2.8483% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6856% | 936 |
| Loan loss allowance to noncurrent loans | 212.4436% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 2,859 |
| Noncurrent loans to loans | 1.2641% | 3,720 |
| Net loans and leases to total assets | 52.3983% | 4,867 |
| Net loans and leases to deposits | 59.2628% | 5,100 |
| Net loans and leases to core deposits | 61.0104% | 5,270 |
| Total domestic deposits to total assets | 88.4169% | 1,953 |
| Equity capital to assets | 11.1482% | 2,791 |
| Core capital (leverage) ratio | 10.0732% | 3,306 |
| Tier 1 risk-based capital ratio | 16.7466% | 2,773 |
| Total risk-based capital ratio | 18.0063% | 2,737 |
| Memoranda: | ||
| Average total assets | $227,525,400 | 2,756 |
| Average earning assets | $210,190,600 | 2,734 |
| Average equity | $25,220,000 | 2,633 |
| Average total loans | $120,512,200 | 3,063 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 2,416 |
| Cost of funding earning assets | 0.7897% | 3,029 |
| Net interest margin | 4.0036% | 2,489 |
| Noninterest income to average assets | 0.4836% | 4,034 |
| Noninterest expense to average assets | 3.7735% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3216% | 5,540 |
| Return on assets (ROA) | 0.3341% | 5,700 |
| Pretax return on assets | 0.4203% | 5,671 |
| Return on Equity (ROE) | 3.0189% | 5,673 |
| Retained earnings to average equity (ytd only) | 3.0189% | 4,740 |
| Net charge-offs to loans | 0.3534% | 2,688 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.1698% | 4,175 |
| Efficiency ratio | 90.3185% | 1,016 |
| Assets per employee ($millions) | 2.9075% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8055% | 882 |
| Loan loss allowance to noncurrent loans | 169.3084% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.9792% | 2,679 |
| Noncurrent loans to loans | 1.6571% | 3,308 |
| Net loans and leases to total assets | 50.5875% | 5,239 |
| Net loans and leases to deposits | 57.2000% | 5,510 |
| Net loans and leases to core deposits | 58.6213% | 5,694 |
| Total domestic deposits to total assets | 88.4397% | 1,762 |
| Equity capital to assets | 11.1554% | 3,087 |
| Core capital (leverage) ratio | 10.0439% | 3,484 |
| Tier 1 risk-based capital ratio | 16.8313% | 2,825 |
| Total risk-based capital ratio | 18.0934% | 2,772 |
| Memoranda: | ||
| Average total assets | $227,440,250 | 2,781 |
| Average earning assets | $209,870,000 | 2,767 |
| Average equity | $25,174,250 | 2,665 |
| Average total loans | $119,967,000 | 3,114 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 2,137 |
| Cost of funding earning assets | 0.8486% | 2,805 |
| Net interest margin | 4.0449% | 2,318 |
| Noninterest income to average assets | 0.3988% | 4,658 |
| Noninterest expense to average assets | 3.8087% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2667% | 5,714 |
| Return on assets (ROA) | 0.2867% | 5,862 |
| Pretax return on assets | 0.3397% | 5,863 |
| Return on Equity (ROE) | 2.5974% | 5,845 |
| Retained earnings to average equity (ytd only) | 2.5974% | 4,889 |
| Net charge-offs to loans | 0.4080% | 2,393 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.4612% | 4,268 |
| Efficiency ratio | 92.3422% | 908 |
| Assets per employee ($millions) | 2.8922% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8724% | 887 |
| Loan loss allowance to noncurrent loans | 198.0347% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 2.7678% | 1,992 |
| Noncurrent loans to loans | 1.4505% | 3,739 |
| Net loans and leases to total assets | 51.3524% | 5,178 |
| Net loans and leases to deposits | 58.0094% | 5,447 |
| Net loans and leases to core deposits | 59.5431% | 5,639 |
| Total domestic deposits to total assets | 88.5244% | 1,799 |
| Equity capital to assets | 11.1484% | 2,959 |
| Core capital (leverage) ratio | 9.9027% | 3,569 |
| Tier 1 risk-based capital ratio | 16.1400% | 3,102 |
| Total risk-based capital ratio | 17.3951% | 3,061 |
| Memoranda: | ||
| Average total assets | $226,690,000 | 2,791 |
| Average earning assets | $208,807,330 | 2,778 |
| Average equity | $25,024,670 | 2,666 |
| Average total loans | $120,106,330 | 3,133 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 2,115 |
| Cost of funding earning assets | 0.9068% | 2,637 |
| Net interest margin | 4.0280% | 2,381 |
| Noninterest income to average assets | 0.6478% | 2,940 |
| Noninterest expense to average assets | 3.9377% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3326% | 5,545 |
| Return on assets (ROA) | 0.3697% | 5,567 |
| Pretax return on assets | 0.4718% | 5,520 |
| Return on Equity (ROE) | 3.3651% | 5,566 |
| Retained earnings to average equity (ytd only) | 3.3651% | 4,553 |
| Net charge-offs to loans | 0.7202% | 1,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.1106% | 3,779 |
| Efficiency ratio | 90.2744% | 1,075 |
| Assets per employee ($millions) | 2.7794% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8521% | 955 |
| Loan loss allowance to noncurrent loans | 198.0505% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 2.9767% | 1,944 |
| Noncurrent loans to loans | 1.4401% | 3,953 |
| Net loans and leases to total assets | 51.6224% | 5,070 |
| Net loans and leases to deposits | 58.2480% | 5,346 |
| Net loans and leases to core deposits | 59.7595% | 5,553 |
| Total domestic deposits to total assets | 88.6252% | 1,940 |
| Equity capital to assets | 11.0159% | 2,890 |
| Core capital (leverage) ratio | 9.8904% | 3,516 |
| Tier 1 risk-based capital ratio | 15.5426% | 3,422 |
| Total risk-based capital ratio | 16.7923% | 3,401 |
| Memoranda: | ||
| Average total assets | $227,239,000 | 2,800 |
| Average earning assets | $209,533,000 | 2,783 |
| Average equity | $24,962,000 | 2,667 |
| Average total loans | $120,523,000 | 3,140 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0816% | 2,521 |
| Cost of funding earning assets | 1.0758% | 2,837 |
| Net interest margin | 4.0058% | 2,853 |
| Noninterest income to average assets | 0.5307% | 3,647 |
| Noninterest expense to average assets | 3.7412% | 1,458 |
| Loan and lease loss provision to assets | 0.2581% | 3,628 |
| Net operating income to assets | 0.2229% | 5,516 |
| Return on assets (ROA) | 0.2387% | 5,606 |
| Pretax return on assets | 0.2471% | 5,675 |
| Return on Equity (ROE) | 2.2221% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.2221% | 4,632 |
| Net charge-offs to loans | 0.8925% | 1,947 |
| Credit loss provision to net charge-offs | 54.9719% | 5,302 |
| Earnings coverage of net charge-offs (x) | 1.0413% | 5,011 |
| Efficiency ratio | 88.4435% | 1,323 |
| Assets per employee ($millions) | 2.8321% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0682% | 765 |
| Loan loss allowance to noncurrent loans | 112.6416% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 3.2912% | 1,812 |
| Noncurrent loans to loans | 2.7238% | 2,389 |
| Net loans and leases to total assets | 51.3133% | 5,422 |
| Net loans and leases to deposits | 57.8485% | 5,706 |
| Net loans and leases to core deposits | 59.2534% | 5,911 |
| Total domestic deposits to total assets | 88.7029% | 1,721 |
| Equity capital to assets | 10.9537% | 3,021 |
| Core capital (leverage) ratio | 9.7886% | 3,621 |
| Tier 1 risk-based capital ratio | 15.3854% | 3,397 |
| Total risk-based capital ratio | 16.6360% | 3,351 |
| Memoranda: | ||
| Average total assets | $227,067,400 | 2,763 |
| Average earning assets | $209,695,800 | 2,732 |
| Average equity | $24,391,000 | 2,631 |
| Average total loans | $119,443,600 | 3,182 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0807% | 2,706 |
| Cost of funding earning assets | 1.1023% | 2,966 |
| Net interest margin | 3.9784% | 3,011 |
| Noninterest income to average assets | 0.4595% | 4,223 |
| Noninterest expense to average assets | 3.7653% | 1,370 |
| Loan and lease loss provision to assets | 0.2823% | 3,264 |
| Net operating income to assets | 0.1291% | 5,890 |
| Return on assets (ROA) | 0.1526% | 5,948 |
| Pretax return on assets | 0.1103% | 6,075 |
| Return on Equity (ROE) | 1.4275% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.4275% | 5,437 |
| Net charge-offs to loans | 1.0269% | 1,559 |
| Credit loss provision to net charge-offs | 52.3395% | 4,985 |
| Earnings coverage of net charge-offs (x) | 0.6844% | 5,113 |
| Efficiency ratio | 91.0717% | 1,104 |
| Assets per employee ($millions) | 2.8174% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2030% | 720 |
| Loan loss allowance to noncurrent loans | 126.9874% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 3.1707% | 2,018 |
| Noncurrent loans to loans | 2.5223% | 2,749 |
| Net loans and leases to total assets | 49.2877% | 5,800 |
| Net loans and leases to deposits | 55.5517% | 6,070 |
| Net loans and leases to core deposits | 56.7633% | 6,246 |
| Total domestic deposits to total assets | 88.7241% | 1,600 |
| Equity capital to assets | 10.8478% | 3,292 |
| Core capital (leverage) ratio | 10.1528% | 3,240 |
| Tier 1 risk-based capital ratio | 16.5057% | 2,864 |
| Total risk-based capital ratio | 17.7555% | 2,826 |
| Memoranda: | ||
| Average total assets | $227,191,500 | 2,763 |
| Average earning assets | $209,862,000 | 2,737 |
| Average equity | $24,284,250 | 2,649 |
| Average total loans | $119,319,250 | 3,215 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 2,560 |
| Cost of funding earning assets | 1.1218% | 3,090 |
| Net interest margin | 4.0046% | 2,809 |
| Noninterest income to average assets | 0.4346% | 4,391 |
| Noninterest expense to average assets | 3.8836% | 1,222 |
| Loan and lease loss provision to assets | 0.1816% | 4,104 |
| Net operating income to assets | 0.1287% | 5,938 |
| Return on assets (ROA) | 0.1287% | 6,033 |
| Pretax return on assets | 0.0705% | 6,149 |
| Return on Equity (ROE) | 1.2103% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.2103% | 5,371 |
| Net charge-offs to loans | 0.3722% | 3,066 |
| Credit loss provision to net charge-offs | 91.9643% | 3,402 |
| Earnings coverage of net charge-offs (x) | 1.2768% | 4,333 |
| Efficiency ratio | 93.9032% | 983 |
| Assets per employee ($millions) | 2.7531% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4839% | 601 |
| Loan loss allowance to noncurrent loans | 77.9744% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 3.9597% | 1,624 |
| Noncurrent loans to loans | 4.4680% | 1,492 |
| Net loans and leases to total assets | 50.8295% | 5,712 |
| Net loans and leases to deposits | 57.3015% | 6,020 |
| Net loans and leases to core deposits | 58.7087% | 6,212 |
| Total domestic deposits to total assets | 88.7053% | 1,716 |
| Equity capital to assets | 10.8806% | 3,091 |
| Core capital (leverage) ratio | 10.1431% | 3,094 |
| Tier 1 risk-based capital ratio | 16.6509% | 2,671 |
| Total risk-based capital ratio | 17.9137% | 2,625 |
| Memoranda: | ||
| Average total assets | $226,851,000 | 2,785 |
| Average earning assets | $209,659,000 | 2,763 |
| Average equity | $24,127,000 | 2,647 |
| Average total loans | $120,358,000 | 3,223 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1767% | 2,317 |
| Cost of funding earning assets | 1.1409% | 3,223 |
| Net interest margin | 4.0359% | 2,539 |
| Noninterest income to average assets | 0.0598% | 7,096 |
| Noninterest expense to average assets | 3.9929% | 1,042 |
| Loan and lease loss provision to assets | 0.2463% | 3,200 |
| Net operating income to assets | -0.1988% | 6,561 |
| Return on assets (ROA) | -0.1988% | 6,575 |
| Pretax return on assets | -0.4521% | 6,731 |
| Return on Equity (ROE) | -1.8905% | 6,572 |
| Retained earnings to average equity (ytd only) | -1.8905% | 6,126 |
| Net charge-offs to loans | 0.5781% | 2,041 |
| Credit loss provision to net charge-offs | 80.0000% | 3,159 |
| Earnings coverage of net charge-offs (x) | -0.6686% | 4,839 |
| Efficiency ratio | 105.4343% | 588 |
| Assets per employee ($millions) | 2.7981% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4856% | 612 |
| Loan loss allowance to noncurrent loans | 85.7945% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 4.0274% | 1,659 |
| Noncurrent loans to loans | 4.0627% | 1,775 |
| Net loans and leases to total assets | 50.3953% | 5,795 |
| Net loans and leases to deposits | 56.5838% | 6,075 |
| Net loans and leases to core deposits | 58.1086% | 6,243 |
| Total domestic deposits to total assets | 89.0632% | 1,732 |
| Equity capital to assets | 10.5662% | 3,110 |
| Core capital (leverage) ratio | 9.9400% | 3,211 |
| Tier 1 risk-based capital ratio | 16.5038% | 2,660 |
| Total risk-based capital ratio | 17.7667% | 2,631 |
| Memoranda: | ||
| Average total assets | $227,401,000 | 2,796 |
| Average earning assets | $210,016,500 | 2,787 |
| Average equity | $23,909,000 | 2,653 |
| Average total loans | $121,092,000 | 3,239 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 3,262 |
| Cost of funding earning assets | 1.4471% | 2,976 |
| Net interest margin | 3.8244% | 3,841 |
| Noninterest income to average assets | 0.6568% | 3,108 |
| Noninterest expense to average assets | 3.6305% | 1,847 |
| Loan and lease loss provision to assets | 0.5901% | 2,777 |
| Net operating income to assets | -0.0138% | 5,864 |
| Return on assets (ROA) | 0.1913% | 5,466 |
| Pretax return on assets | 0.1721% | 5,553 |
| Return on Equity (ROE) | 1.9340% | 5,405 |
| Retained earnings to average equity (ytd only) | 1.9340% | 4,510 |
| Net charge-offs to loans | 1.1549% | 1,933 |
| Credit loss provision to net charge-offs | 94.2743% | 4,929 |
| Earnings coverage of net charge-offs (x) | 0.8901% | 5,227 |
| Efficiency ratio | 86.6952% | 1,599 |
| Assets per employee ($millions) | 2.7161% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3592% | 651 |
| Loan loss allowance to noncurrent loans | 116.6900% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 3.6607% | 1,883 |
| Noncurrent loans to loans | 2.8787% | 2,645 |
| Net loans and leases to total assets | 52.4554% | 5,851 |
| Net loans and leases to deposits | 58.8592% | 6,170 |
| Net loans and leases to core deposits | 60.5461% | 6,353 |
| Total domestic deposits to total assets | 89.1201% | 1,585 |
| Equity capital to assets | 10.4622% | 3,196 |
| Core capital (leverage) ratio | 9.7955% | 3,321 |
| Tier 1 risk-based capital ratio | 16.0072% | 2,748 |
| Total risk-based capital ratio | 17.2667% | 2,699 |
| Memoranda: | ||
| Average total assets | $239,965,600 | 2,636 |
| Average earning assets | $221,552,400 | 2,612 |
| Average equity | $23,732,800 | 2,680 |
| Average total loans | $130,058,800 | 3,120 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 3,588 |
| Cost of funding earning assets | 1.5086% | 2,923 |
| Net interest margin | 3.7397% | 4,232 |
| Noninterest income to average assets | 0.6339% | 3,229 |
| Noninterest expense to average assets | 3.5830% | 1,829 |
| Loan and lease loss provision to assets | 0.6658% | 2,301 |
| Net operating income to assets | -0.1224% | 6,209 |
| Return on assets (ROA) | 0.1476% | 5,804 |
| Pretax return on assets | 0.1070% | 5,898 |
| Return on Equity (ROE) | 1.5134% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.5134% | 5,196 |
| Net charge-offs to loans | 1.1660% | 1,750 |
| Credit loss provision to net charge-offs | 105.3866% | 4,063 |
| Earnings coverage of net charge-offs (x) | 0.7958% | 5,253 |
| Efficiency ratio | 87.6948% | 1,478 |
| Assets per employee ($millions) | 2.8365% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4138% | 575 |
| Loan loss allowance to noncurrent loans | 97.9091% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 4.0456% | 1,724 |
| Noncurrent loans to loans | 3.4868% | 2,276 |
| Net loans and leases to total assets | 50.5535% | 6,264 |
| Net loans and leases to deposits | 56.4388% | 6,583 |
| Net loans and leases to core deposits | 57.7846% | 6,744 |
| Total domestic deposits to total assets | 89.5723% | 1,083 |
| Equity capital to assets | 9.9876% | 4,170 |
| Core capital (leverage) ratio | 9.4711% | 3,947 |
| Tier 1 risk-based capital ratio | 15.3556% | 3,070 |
| Total risk-based capital ratio | 16.6085% | 3,030 |
| Memoranda: | ||
| Average total assets | $242,918,500 | 2,654 |
| Average earning assets | $224,220,750 | 2,615 |
| Average equity | $23,698,500 | 2,728 |
| Average total loans | $131,613,750 | 3,147 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 4,092 |
| Cost of funding earning assets | 1.5791% | 2,776 |
| Net interest margin | 3.5913% | 4,854 |
| Noninterest income to average assets | 0.6077% | 3,281 |
| Noninterest expense to average assets | 3.5085% | 2,006 |
| Loan and lease loss provision to assets | 0.6636% | 2,176 |
| Net operating income to assets | -0.2135% | 6,372 |
| Return on assets (ROA) | 0.1905% | 5,714 |
| Pretax return on assets | 0.1758% | 5,830 |
| Return on Equity (ROE) | 1.9685% | 5,643 |
| Retained earnings to average equity (ytd only) | 1.9685% | 4,882 |
| Net charge-offs to loans | 1.5200% | 1,256 |
| Credit loss provision to net charge-offs | 79.6844% | 4,715 |
| Earnings coverage of net charge-offs (x) | 0.5227% | 5,208 |
| Efficiency ratio | 88.9629% | 1,420 |
| Assets per employee ($millions) | 2.6489% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0749% | 778 |
| Loan loss allowance to noncurrent loans | 46.4154% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 5.0890% | 1,252 |
| Noncurrent loans to loans | 6.6247% | 889 |
| Net loans and leases to total assets | 52.8308% | 6,128 |
| Net loans and leases to deposits | 58.8591% | 6,508 |
| Net loans and leases to core deposits | 60.3252% | 6,691 |
| Total domestic deposits to total assets | 89.7580% | 1,043 |
| Equity capital to assets | 9.8363% | 4,221 |
| Core capital (leverage) ratio | 9.4857% | 3,843 |
| Tier 1 risk-based capital ratio | 14.9470% | 3,175 |
| Total risk-based capital ratio | 16.1975% | 3,148 |
| Memoranda: | ||
| Average total assets | $243,525,000 | 2,668 |
| Average earning assets | $226,211,670 | 2,615 |
| Average equity | $23,571,330 | 2,736 |
| Average total loans | $133,421,000 | 3,143 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2279% | 3,886 |
| Cost of funding earning assets | 1.7087% | 2,347 |
| Net interest margin | 3.5192% | 5,089 |
| Noninterest income to average assets | 0.6831% | 2,717 |
| Noninterest expense to average assets | 3.5479% | 1,854 |
| Loan and lease loss provision to assets | 0.7354% | 1,725 |
| Net operating income to assets | -0.2513% | 6,603 |
| Return on assets (ROA) | 0.3759% | 5,072 |
| Pretax return on assets | 0.4788% | 5,034 |
| Return on Equity (ROE) | 3.9146% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.9146% | 3,790 |
| Net charge-offs to loans | 1.0295% | 1,599 |
| Credit loss provision to net charge-offs | 130.0578% | 2,715 |
| Earnings coverage of net charge-offs (x) | 0.7254% | 4,377 |
| Efficiency ratio | 89.6367% | 1,460 |
| Assets per employee ($millions) | 2.9081% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3180% | 626 |
| Loan loss allowance to noncurrent loans | 55.6836% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 4.2527% | 1,602 |
| Noncurrent loans to loans | 5.9586% | 1,108 |
| Net loans and leases to total assets | 53.1548% | 6,135 |
| Net loans and leases to deposits | 59.2948% | 6,533 |
| Net loans and leases to core deposits | 60.7825% | 6,687 |
| Total domestic deposits to total assets | 89.6449% | 1,163 |
| Equity capital to assets | 9.8791% | 4,022 |
| Core capital (leverage) ratio | 9.3802% | 3,936 |
| Tier 1 risk-based capital ratio | 15.1983% | 3,008 |
| Total risk-based capital ratio | 16.4505% | 2,970 |
| Memoranda: | ||
| Average total assets | $244,764,000 | 2,701 |
| Average earning assets | $227,778,500 | 2,660 |
| Average equity | $23,502,000 | 2,768 |
| Average total loans | $134,438,000 | 3,178 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9148% | 2,175 |
| Cost of funding earning assets | 2.1247% | 2,347 |
| Net interest margin | 3.7902% | 3,750 |
| Noninterest income to average assets | 0.5305% | 4,174 |
| Noninterest expense to average assets | 3.5807% | 2,196 |
| Loan and lease loss provision to assets | 1.3253% | 1,734 |
| Net operating income to assets | -0.4553% | 6,132 |
| Return on assets (ROA) | -0.1625% | 5,787 |
| Pretax return on assets | -0.4025% | 5,917 |
| Return on Equity (ROE) | -1.8518% | 5,833 |
| Retained earnings to average equity (ytd only) | -1.8518% | 5,483 |
| Net charge-offs to loans | 1.0309% | 2,353 |
| Credit loss provision to net charge-offs | 228.2686% | 1,623 |
| Earnings coverage of net charge-offs (x) | 0.8014% | 5,306 |
| Efficiency ratio | 88.5002% | 1,838 |
| Assets per employee ($millions) | 3.0618% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0819% | 729 |
| Loan loss allowance to noncurrent loans | 68.0449% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 3.4529% | 1,947 |
| Noncurrent loans to loans | 4.5292% | 1,567 |
| Net loans and leases to total assets | 53.1836% | 6,289 |
| Net loans and leases to deposits | 59.2007% | 6,689 |
| Net loans and leases to core deposits | 70.0663% | 6,769 |
| Total domestic deposits to total assets | 89.8361% | 1,042 |
| Equity capital to assets | 9.3386% | 4,655 |
| Core capital (leverage) ratio | 9.2098% | 4,102 |
| Tier 1 risk-based capital ratio | 14.2632% | 3,341 |
| Total risk-based capital ratio | 15.5108% | 3,294 |
| Memoranda: | ||
| Average total assets | $243,724,200 | 2,678 |
| Average earning assets | $226,059,000 | 2,636 |
| Average equity | $21,384,800 | 3,032 |
| Average total loans | $137,252,800 | 3,132 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0503% | 1,840 |
| Cost of funding earning assets | 2.2196% | 2,313 |
| Net interest margin | 3.8308% | 3,522 |
| Noninterest income to average assets | 0.6184% | 3,560 |
| Noninterest expense to average assets | 3.7151% | 1,783 |
| Loan and lease loss provision to assets | 1.1691% | 1,662 |
| Net operating income to assets | -0.3609% | 6,276 |
| Return on assets (ROA) | -0.0755% | 5,889 |
| Pretax return on assets | -0.2695% | 6,064 |
| Return on Equity (ROE) | -0.8752% | 5,912 |
| Retained earnings to average equity (ytd only) | -0.8752% | 5,461 |
| Net charge-offs to loans | 0.6194% | 2,820 |
| Credit loss provision to net charge-offs | 332.9670% | 1,238 |
| Earnings coverage of net charge-offs (x) | 1.2920% | 4,809 |
| Efficiency ratio | 89.1181% | 1,774 |
| Assets per employee ($millions) | 2.9585% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8798% | 736 |
| Loan loss allowance to noncurrent loans | 264.8850% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 3,386 |
| Noncurrent loans to loans | 1.0872% | 5,130 |
| Net loans and leases to total assets | 53.7690% | 6,408 |
| Net loans and leases to deposits | 59.7026% | 6,851 |
| Net loans and leases to core deposits | 72.0205% | 6,849 |
| Total domestic deposits to total assets | 90.0613% | 742 |
| Equity capital to assets | 9.0208% | 5,453 |
| Core capital (leverage) ratio | 8.4929% | 5,509 |
| Tier 1 risk-based capital ratio | 13.1729% | 4,071 |
| Total risk-based capital ratio | 14.4017% | 4,023 |
| Memoranda: | ||
| Average total assets | $241,888,750 | 2,716 |
| Average earning assets | $224,180,000 | 2,684 |
| Average equity | $20,869,500 | 3,111 |
| Average total loans | $137,123,000 | 3,173 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1140% | 1,744 |
| Cost of funding earning assets | 2.2884% | 2,398 |
| Net interest margin | 3.8256% | 3,436 |
| Noninterest income to average assets | 0.5900% | 3,773 |
| Noninterest expense to average assets | 3.7953% | 1,665 |
| Loan and lease loss provision to assets | 1.4717% | 1,176 |
| Net operating income to assets | -0.6374% | 6,694 |
| Return on assets (ROA) | -0.2651% | 6,291 |
| Pretax return on assets | -0.5526% | 6,475 |
| Return on Equity (ROE) | -3.1210% | 6,373 |
| Retained earnings to average equity (ytd only) | -3.1210% | 5,990 |
| Net charge-offs to loans | 0.8479% | 1,995 |
| Credit loss provision to net charge-offs | 303.7736% | 1,530 |
| Earnings coverage of net charge-offs (x) | 0.6964% | 5,019 |
| Efficiency ratio | 91.8359% | 1,652 |
| Assets per employee ($millions) | 2.7782% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6351% | 794 |
| Loan loss allowance to noncurrent loans | 206.5639% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 2.0823% | 3,081 |
| Noncurrent loans to loans | 1.2757% | 4,649 |
| Net loans and leases to total assets | 55.3231% | 6,293 |
| Net loans and leases to deposits | 61.2210% | 6,801 |
| Net loans and leases to core deposits | 75.1101% | 6,726 |
| Total domestic deposits to total assets | 90.3662% | 679 |
| Equity capital to assets | 8.6652% | 5,799 |
| Core capital (leverage) ratio | 8.5521% | 5,352 |
| Tier 1 risk-based capital ratio | 13.1011% | 4,071 |
| Total risk-based capital ratio | 14.3289% | 4,001 |
| Memoranda: | ||
| Average total assets | $240,666,330 | 2,744 |
| Average earning assets | $222,865,670 | 2,712 |
| Average equity | $20,442,330 | 3,178 |
| Average total loans | $137,514,670 | 3,195 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1934% | 1,622 |
| Cost of funding earning assets | 2.3639% | 2,447 |
| Net interest margin | 3.8295% | 3,342 |
| Noninterest income to average assets | 0.6463% | 3,222 |
| Noninterest expense to average assets | 3.8160% | 1,444 |
| Loan and lease loss provision to assets | 1.2076% | 1,073 |
| Net operating income to assets | -0.4586% | 6,834 |
| Return on assets (ROA) | -0.0866% | 6,507 |
| Pretax return on assets | -0.2532% | 6,625 |
| Return on Equity (ROE) | -1.0301% | 6,539 |
| Retained earnings to average equity (ytd only) | -1.0301% | 5,890 |
| Net charge-offs to loans | 0.2703% | 3,045 |
| Credit loss provision to net charge-offs | 779.5699% | 766 |
| Earnings coverage of net charge-offs (x) | 2.4086% | 3,530 |
| Efficiency ratio | 91.0934% | 1,645 |
| Assets per employee ($millions) | 2.7614% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2445% | 1,025 |
| Loan loss allowance to noncurrent loans | 155.4822% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 2.5370% | 2,258 |
| Noncurrent loans to loans | 1.4436% | 4,133 |
| Net loans and leases to total assets | 55.5282% | 6,302 |
| Net loans and leases to deposits | 61.2136% | 6,797 |
| Net loans and leases to core deposits | 75.5774% | 6,709 |
| Total domestic deposits to total assets | 90.7122% | 509 |
| Equity capital to assets | 8.3908% | 6,248 |
| Core capital (leverage) ratio | 8.1346% | 6,217 |
| Tier 1 risk-based capital ratio | 12.4107% | 4,608 |
| Total risk-based capital ratio | 13.6475% | 4,540 |
| Memoranda: | ||
| Average total assets | $240,148,500 | 2,764 |
| Average earning assets | $222,171,000 | 2,736 |
| Average equity | $20,191,500 | 3,234 |
| Average total loans | $137,604,000 | 3,214 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6242% | 2,375 |
| Cost of funding earning assets | 2.8828% | 2,342 |
| Net interest margin | 3.7414% | 4,267 |
| Noninterest income to average assets | 0.7587% | 2,731 |
| Noninterest expense to average assets | 3.1829% | 3,398 |
| Loan and lease loss provision to assets | 0.7815% | 1,913 |
| Net operating income to assets | 0.2226% | 5,784 |
| Return on assets (ROA) | 0.3713% | 5,073 |
| Pretax return on assets | 0.4767% | 5,049 |
| Return on Equity (ROE) | 4.6667% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.6667% | 2,223 |
| Net charge-offs to loans | 1.0440% | 1,177 |
| Credit loss provision to net charge-offs | 125.3316% | 4,262 |
| Earnings coverage of net charge-offs (x) | 1.7122% | 5,222 |
| Efficiency ratio | 74.8833% | 3,417 |
| Assets per employee ($millions) | 2.7279% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 1,754 |
| Loan loss allowance to noncurrent loans | 67.9430% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.4948% | 1,948 |
| Noncurrent loans to loans | 2.5789% | 2,102 |
| Net loans and leases to total assets | 56.7836% | 6,350 |
| Net loans and leases to deposits | 62.5852% | 6,904 |
| Net loans and leases to core deposits | 78.4689% | 6,723 |
| Total domestic deposits to total assets | 90.7301% | 413 |
| Equity capital to assets | 8.4251% | 6,214 |
| Core capital (leverage) ratio | 8.2555% | 6,044 |
| Tier 1 risk-based capital ratio | 12.2362% | 4,644 |
| Total risk-based capital ratio | 13.4614% | 4,549 |
| Memoranda: | ||
| Average total assets | $241,853,200 | 2,639 |
| Average earning assets | $225,717,400 | 2,588 |
| Average equity | $19,242,800 | 3,355 |
| Average total loans | $144,447,800 | 3,015 |