Home > Capital Pacific Bank > Performance and Condition Ratios
Capital Pacific Bank, Performance and Condition Ratios
| 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 | 4.2488% | 2,784 |
| Cost of funding earning assets | 0.1917% | 5,822 |
| Net interest margin | 4.0571% | 1,714 |
| Noninterest income to average assets | 0.3714% | 4,421 |
| Noninterest expense to average assets | 2.7512% | 3,670 |
| Loan and lease loss provision to assets | 0.0247% | 4,110 |
| Net operating income to assets | 0.9500% | 2,634 |
| Return on assets (ROA) | 0.9516% | 2,703 |
| Pretax return on assets | 1.4759% | 1,636 |
| Return on Equity (ROE) | 9.2261% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.2261% | 655 |
| Net charge-offs to loans | 0.1029% | 3,032 |
| Credit loss provision to net charge-offs | 30.0000% | 3,835 |
| Earnings coverage of net charge-offs (x) | 18.2300% | 1,857 |
| Efficiency ratio | 64.7457% | 4,447 |
| Assets per employee ($millions) | 6.6527% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 2,933 |
| Loan loss allowance to noncurrent loans | 312.7473% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 3,321 |
| Noncurrent loans to loans | 0.4489% | 4,296 |
| Net loans and leases to total assets | 79.0662% | 876 |
| Net loans and leases to deposits | 88.8613% | 1,631 |
| Net loans and leases to core deposits | 107.1208% | 947 |
| Total domestic deposits to total assets | 88.9771% | 1,254 |
| Equity capital to assets | 10.3168% | 3,702 |
| Core capital (leverage) ratio | 10.2563% | 3,237 |
| Tier 1 risk-based capital ratio | 12.3794% | 5,106 |
| Total risk-based capital ratio | 13.6320% | 5,030 |
| Memoranda: | ||
| Average total assets | $243,384,600 | 2,587 |
| Average earning assets | $232,629,200 | 2,491 |
| Average equity | $25,102,600 | 2,651 |
| Average total loans | $194,395,600 | 2,078 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2041% | 2,975 |
| Cost of funding earning assets | 0.1888% | 5,926 |
| Net interest margin | 4.0153% | 1,837 |
| Noninterest income to average assets | 0.3723% | 4,450 |
| Noninterest expense to average assets | 2.7299% | 3,712 |
| Loan and lease loss provision to assets | 0.0332% | 3,743 |
| Net operating income to assets | 0.9802% | 2,543 |
| Return on assets (ROA) | 0.9824% | 2,597 |
| Pretax return on assets | 1.4482% | 1,816 |
| Return on Equity (ROE) | 9.5259% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.5259% | 830 |
| Net charge-offs to loans | 0.1456% | 2,342 |
| Credit loss provision to net charge-offs | 28.5714% | 3,475 |
| Earnings coverage of net charge-offs (x) | 12.7240% | 2,292 |
| Efficiency ratio | 64.8745% | 4,397 |
| Assets per employee ($millions) | 6.9085% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 3,128 |
| Loan loss allowance to noncurrent loans | 243.8521% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 3,199 |
| Noncurrent loans to loans | 0.5783% | 4,186 |
| Net loans and leases to total assets | 77.5649% | 1,012 |
| Net loans and leases to deposits | 86.8213% | 1,815 |
| Net loans and leases to core deposits | 106.1194% | 952 |
| Total domestic deposits to total assets | 89.3386% | 1,052 |
| Equity capital to assets | 9.9576% | 4,215 |
| Core capital (leverage) ratio | 10.1084% | 3,520 |
| Tier 1 risk-based capital ratio | 12.2157% | 5,352 |
| Total risk-based capital ratio | 13.4685% | 5,269 |
| Memoranda: | ||
| Average total assets | $241,030,250 | 2,618 |
| Average earning assets | $230,248,250 | 2,537 |
| Average equity | $24,858,000 | 2,683 |
| Average total loans | $192,312,750 | 2,109 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 2,883 |
| Cost of funding earning assets | 0.1862% | 6,030 |
| Net interest margin | 4.0333% | 1,712 |
| Noninterest income to average assets | 0.3701% | 4,482 |
| Noninterest expense to average assets | 2.8065% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9476% | 2,558 |
| Return on assets (ROA) | 0.9476% | 2,658 |
| Pretax return on assets | 1.4159% | 1,838 |
| Return on Equity (ROE) | 9.0755% | 2,555 |
| Retained earnings to average equity (ytd only) | 9.0755% | 965 |
| Net charge-offs to loans | 0.2292% | 1,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.7051% | 2,592 |
| Efficiency ratio | 66.4661% | 4,293 |
| Assets per employee ($millions) | 6.2482% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 3,188 |
| Loan loss allowance to noncurrent loans | 190.9655% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 2,890 |
| Noncurrent loans to loans | 0.7496% | 3,830 |
| Net loans and leases to total assets | 80.3076% | 651 |
| Net loans and leases to deposits | 90.5257% | 1,319 |
| Net loans and leases to core deposits | 114.2101% | 529 |
| Total domestic deposits to total assets | 88.7126% | 1,525 |
| Equity capital to assets | 10.6527% | 3,251 |
| Core capital (leverage) ratio | 10.5574% | 2,881 |
| Tier 1 risk-based capital ratio | 12.3334% | 5,343 |
| Total risk-based capital ratio | 13.5859% | 5,258 |
| Memoranda: | ||
| Average total assets | $236,169,330 | 2,671 |
| Average earning assets | $225,573,000 | 2,586 |
| Average equity | $24,659,670 | 2,699 |
| Average total loans | $189,383,000 | 2,136 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 2,744 |
| Cost of funding earning assets | 0.1846% | 6,119 |
| Net interest margin | 4.0505% | 1,598 |
| Noninterest income to average assets | 0.3600% | 4,511 |
| Noninterest expense to average assets | 2.8327% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9052% | 2,624 |
| Return on assets (ROA) | 0.9052% | 2,694 |
| Pretax return on assets | 1.4027% | 1,734 |
| Return on Equity (ROE) | 8.7582% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.7582% | 1,323 |
| Net charge-offs to loans | -0.0320% | 5,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8805% | 4,381 |
| Assets per employee ($millions) | 6.2724% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 2,666 |
| Loan loss allowance to noncurrent loans | 107.9108% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.2660% | 2,746 |
| Noncurrent loans to loans | 1.4894% | 2,553 |
| Net loans and leases to total assets | 79.1647% | 641 |
| Net loans and leases to deposits | 89.1829% | 1,232 |
| Net loans and leases to core deposits | 116.0461% | 407 |
| Total domestic deposits to total assets | 88.7667% | 1,797 |
| Equity capital to assets | 10.6331% | 3,103 |
| Core capital (leverage) ratio | 10.3945% | 3,051 |
| Tier 1 risk-based capital ratio | 12.4492% | 5,348 |
| Total risk-based capital ratio | 13.7036% | 5,281 |
| Memoranda: | ||
| Average total assets | $235,538,000 | 2,685 |
| Average earning assets | $225,352,500 | 2,602 |
| Average equity | $24,343,000 | 2,715 |
| Average total loans | $187,352,000 | 2,158 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 2,815 |
| Cost of funding earning assets | 0.2005% | 6,295 |
| Net interest margin | 4.1380% | 1,548 |
| Noninterest income to average assets | 0.3470% | 4,842 |
| Noninterest expense to average assets | 2.9383% | 3,234 |
| Loan and lease loss provision to assets | 0.0673% | 3,789 |
| Net operating income to assets | 0.9202% | 2,676 |
| Return on assets (ROA) | 0.9206% | 2,765 |
| Pretax return on assets | 1.3232% | 2,066 |
| Return on Equity (ROE) | 8.3532% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.3532% | 941 |
| Net charge-offs to loans | -0.1178% | 6,515 |
| Credit loss provision to net charge-offs | -72.0000% | 5,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8860% | 4,215 |
| Assets per employee ($millions) | 6.4594% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 2,801 |
| Loan loss allowance to noncurrent loans | 105.4379% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 2,912 |
| Noncurrent loans to loans | 1.5065% | 2,637 |
| Net loans and leases to total assets | 77.4037% | 899 |
| Net loans and leases to deposits | 86.8207% | 1,595 |
| Net loans and leases to core deposits | 112.3593% | 520 |
| Total domestic deposits to total assets | 89.1535% | 1,515 |
| Equity capital to assets | 10.0456% | 3,699 |
| Core capital (leverage) ratio | 10.4311% | 2,985 |
| Tier 1 risk-based capital ratio | 12.0706% | 5,577 |
| Total risk-based capital ratio | 13.3247% | 5,508 |
| Memoranda: | ||
| Average total assets | $214,106,000 | 2,870 |
| Average earning assets | $205,992,000 | 2,768 |
| Average equity | $23,595,800 | 2,759 |
| Average total loans | $169,851,200 | 2,307 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 2,632 |
| Cost of funding earning assets | 0.2077% | 6,367 |
| Net interest margin | 4.1806% | 1,395 |
| Noninterest income to average assets | 0.3329% | 5,028 |
| Noninterest expense to average assets | 3.0266% | 2,895 |
| Loan and lease loss provision to assets | 0.0924% | 3,229 |
| Net operating income to assets | 0.8651% | 3,016 |
| Return on assets (ROA) | 0.8575% | 3,170 |
| Pretax return on assets | 1.2308% | 2,579 |
| Return on Equity (ROE) | 7.5880% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.5880% | 1,595 |
| Net charge-offs to loans | -0.0847% | 6,457 |
| Credit loss provision to net charge-offs | -137.1429% | 5,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4073% | 3,852 |
| Assets per employee ($millions) | 6.5818% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 2,955 |
| Loan loss allowance to noncurrent loans | 78.9028% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6587% | 2,477 |
| Noncurrent loans to loans | 2.0433% | 2,201 |
| Net loans and leases to total assets | 76.5865% | 921 |
| Net loans and leases to deposits | 85.9856% | 1,620 |
| Net loans and leases to core deposits | 109.8529% | 578 |
| Total domestic deposits to total assets | 89.0690% | 1,519 |
| Equity capital to assets | 10.1996% | 3,649 |
| Core capital (leverage) ratio | 10.2394% | 3,345 |
| Tier 1 risk-based capital ratio | 12.0177% | 5,770 |
| Total risk-based capital ratio | 13.2722% | 5,705 |
| Memoranda: | ||
| Average total assets | $207,882,750 | 2,952 |
| Average earning assets | $200,283,500 | 2,849 |
| Average equity | $23,492,500 | 2,803 |
| Average total loans | $165,319,000 | 2,367 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 2,207 |
| Cost of funding earning assets | 0.2180% | 6,380 |
| Net interest margin | 4.2803% | 1,070 |
| Noninterest income to average assets | 0.3363% | 4,994 |
| Noninterest expense to average assets | 3.1848% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8880% | 2,858 |
| Return on assets (ROA) | 0.8763% | 3,073 |
| Pretax return on assets | 1.2685% | 2,411 |
| Return on Equity (ROE) | 7.4751% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.4751% | 1,681 |
| Net charge-offs to loans | -0.1195% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2436% | 3,603 |
| Assets per employee ($millions) | 5.5124% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 3,074 |
| Loan loss allowance to noncurrent loans | 79.2535% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.7248% | 2,523 |
| Noncurrent loans to loans | 2.0503% | 2,338 |
| Net loans and leases to total assets | 79.1610% | 622 |
| Net loans and leases to deposits | 90.0501% | 1,140 |
| Net loans and leases to core deposits | 115.5273% | 403 |
| Total domestic deposits to total assets | 87.9077% | 2,312 |
| Equity capital to assets | 11.2984% | 2,469 |
| Core capital (leverage) ratio | 11.4310% | 1,996 |
| Tier 1 risk-based capital ratio | 12.9761% | 5,161 |
| Total risk-based capital ratio | 14.2313% | 5,096 |
| Memoranda: | ||
| Average total assets | $200,389,330 | 3,069 |
| Average earning assets | $193,539,000 | 2,950 |
| Average equity | $23,491,330 | 2,822 |
| Average total loans | $160,652,670 | 2,430 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 1,281 |
| Cost of funding earning assets | 0.2304% | 6,413 |
| Net interest margin | 4.5749% | 586 |
| Noninterest income to average assets | 0.3799% | 4,624 |
| Noninterest expense to average assets | 3.3802% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9375% | 2,481 |
| Return on assets (ROA) | 0.9415% | 2,612 |
| Pretax return on assets | 1.4256% | 1,784 |
| Return on Equity (ROE) | 7.8792% | 3,038 |
| Retained earnings to average equity (ytd only) | 7.8792% | 1,792 |
| Net charge-offs to loans | -0.1966% | 6,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4255% | 3,906 |
| Assets per employee ($millions) | 5.6074% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,759 |
| Loan loss allowance to noncurrent loans | 74.9655% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.0063% | 2,342 |
| Noncurrent loans to loans | 2.3522% | 2,214 |
| Net loans and leases to total assets | 79.4525% | 475 |
| Net loans and leases to deposits | 91.9257% | 806 |
| Net loans and leases to core deposits | 126.7463% | 202 |
| Total domestic deposits to total assets | 86.4312% | 3,286 |
| Equity capital to assets | 12.3540% | 1,804 |
| Core capital (leverage) ratio | 11.5510% | 1,845 |
| Tier 1 risk-based capital ratio | 13.9623% | 4,534 |
| Total risk-based capital ratio | 15.2194% | 4,488 |
| Memoranda: | ||
| Average total assets | $195,847,500 | 3,145 |
| Average earning assets | $189,204,500 | 3,024 |
| Average equity | $23,403,500 | 2,865 |
| Average total loans | $156,699,000 | 2,503 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 3,920 |
| Cost of funding earning assets | 0.2855% | 6,521 |
| Net interest margin | 4.0914% | 2,039 |
| Noninterest income to average assets | 0.3686% | 4,842 |
| Noninterest expense to average assets | 3.1726% | 2,703 |
| Loan and lease loss provision to assets | 0.1523% | 3,709 |
| Net operating income to assets | 0.7100% | 3,695 |
| Return on assets (ROA) | 0.7186% | 3,906 |
| Pretax return on assets | 0.9983% | 3,554 |
| Return on Equity (ROE) | 6.1466% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.9764% | 2,722 |
| Net charge-offs to loans | 0.3808% | 2,732 |
| Credit loss provision to net charge-offs | 54.0293% | 4,598 |
| Earnings coverage of net charge-offs (x) | 4.0403% | 3,502 |
| Efficiency ratio | 73.5872% | 3,136 |
| Assets per employee ($millions) | 5.9131% | 1,351 |
| Cash dividends to net income (ytd only)* | 19.0374% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 3,085 |
| Loan loss allowance to noncurrent loans | 67.0729% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.0578% | 2,379 |
| Noncurrent loans to loans | 2.4742% | 2,147 |
| Net loans and leases to total assets | 77.8735% | 692 |
| Net loans and leases to deposits | 89.4302% | 1,124 |
| Net loans and leases to core deposits | 113.8370% | 420 |
| Total domestic deposits to total assets | 87.0775% | 2,800 |
| Equity capital to assets | 11.5666% | 2,378 |
| Core capital (leverage) ratio | 10.9087% | 2,332 |
| Tier 1 risk-based capital ratio | 13.5441% | 4,720 |
| Total risk-based capital ratio | 14.7992% | 4,663 |
| Memoranda: | ||
| Average total assets | $193,722,400 | 3,127 |
| Average earning assets | $186,686,000 | 3,005 |
| Average equity | $22,646,800 | 2,892 |
| Average total loans | $143,382,600 | 2,676 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 4,170 |
| Cost of funding earning assets | 0.2987% | 6,624 |
| Net interest margin | 4.0708% | 2,205 |
| Noninterest income to average assets | 0.3710% | 4,862 |
| Noninterest expense to average assets | 3.3157% | 2,226 |
| Loan and lease loss provision to assets | 0.0243% | 5,484 |
| Net operating income to assets | 0.6697% | 4,043 |
| Return on assets (ROA) | 0.6809% | 4,265 |
| Pretax return on assets | 0.9672% | 3,833 |
| Return on Equity (ROE) | 5.8085% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.8085% | 2,829 |
| Net charge-offs to loans | 0.2266% | 3,364 |
| Credit loss provision to net charge-offs | 14.7679% | 5,020 |
| Earnings coverage of net charge-offs (x) | 5.9241% | 2,892 |
| Efficiency ratio | 77.2668% | 2,485 |
| Assets per employee ($millions) | 6.0718% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 2,630 |
| Loan loss allowance to noncurrent loans | 107.6400% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 3,680 |
| Noncurrent loans to loans | 1.7232% | 3,205 |
| Net loans and leases to total assets | 68.9740% | 2,118 |
| Net loans and leases to deposits | 78.6021% | 2,581 |
| Net loans and leases to core deposits | 97.8693% | 1,274 |
| Total domestic deposits to total assets | 87.7509% | 2,197 |
| Equity capital to assets | 11.1727% | 3,070 |
| Core capital (leverage) ratio | 11.1571% | 2,249 |
| Tier 1 risk-based capital ratio | 14.9298% | 3,896 |
| Total risk-based capital ratio | 16.1870% | 3,845 |
| Memoranda: | ||
| Average total assets | $191,892,000 | 3,186 |
| Average earning assets | $184,789,250 | 3,057 |
| Average equity | $22,495,000 | 2,941 |
| Average total loans | $139,427,750 | 2,755 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 4,206 |
| Cost of funding earning assets | 0.3249% | 6,624 |
| Net interest margin | 4.0690% | 2,215 |
| Noninterest income to average assets | 0.3507% | 5,036 |
| Noninterest expense to average assets | 3.3928% | 2,045 |
| Loan and lease loss provision to assets | 0.0374% | 5,209 |
| Net operating income to assets | 0.5942% | 4,394 |
| Return on assets (ROA) | 0.6116% | 4,572 |
| Pretax return on assets | 0.8554% | 4,254 |
| Return on Equity (ROE) | 5.1289% | 4,743 |
| Retained earnings to average equity (ytd only) | 5.1289% | 3,203 |
| Net charge-offs to loans | 0.3577% | 2,587 |
| Credit loss provision to net charge-offs | 14.2276% | 4,688 |
| Earnings coverage of net charge-offs (x) | 3.3008% | 3,427 |
| Efficiency ratio | 79.6236% | 2,249 |
| Assets per employee ($millions) | 4.8978% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8564% | 2,683 |
| Loan loss allowance to noncurrent loans | 112.1187% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 3,524 |
| Noncurrent loans to loans | 1.6558% | 3,419 |
| Net loans and leases to total assets | 76.2112% | 940 |
| Net loans and leases to deposits | 87.8409% | 1,378 |
| Net loans and leases to core deposits | 116.3593% | 381 |
| Total domestic deposits to total assets | 86.7605% | 2,918 |
| Equity capital to assets | 12.1488% | 2,030 |
| Core capital (leverage) ratio | 11.9126% | 1,647 |
| Tier 1 risk-based capital ratio | 14.7752% | 3,912 |
| Total risk-based capital ratio | 16.0322% | 3,875 |
| Memoranda: | ||
| Average total assets | $187,042,670 | 3,249 |
| Average earning assets | $179,749,330 | 3,133 |
| Average equity | $22,305,000 | 2,948 |
| Average total loans | $137,543,330 | 2,790 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 4,506 |
| Cost of funding earning assets | 0.3443% | 6,665 |
| Net interest margin | 4.0093% | 2,464 |
| Noninterest income to average assets | 0.2581% | 5,799 |
| Noninterest expense to average assets | 3.4154% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5013% | 4,825 |
| Return on assets (ROA) | 0.5013% | 5,039 |
| Pretax return on assets | 0.6933% | 4,814 |
| Return on Equity (ROE) | 4.2434% | 5,169 |
| Retained earnings to average equity (ytd only) | 4.2434% | 4,043 |
| Net charge-offs to loans | 0.6565% | 1,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.4773% | 3,587 |
| Efficiency ratio | 83.1256% | 1,783 |
| Assets per employee ($millions) | 5.1385% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 2,401 |
| Loan loss allowance to noncurrent loans | 114.5735% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3954% | 3,774 |
| Noncurrent loans to loans | 1.7329% | 3,512 |
| Net loans and leases to total assets | 69.4061% | 1,858 |
| Net loans and leases to deposits | 82.1584% | 1,918 |
| Net loans and leases to core deposits | 105.5808% | 685 |
| Total domestic deposits to total assets | 84.4785% | 4,283 |
| Equity capital to assets | 11.7150% | 2,251 |
| Core capital (leverage) ratio | 11.7862% | 1,716 |
| Tier 1 risk-based capital ratio | 15.3300% | 3,543 |
| Total risk-based capital ratio | 16.5858% | 3,498 |
| Memoranda: | ||
| Average total assets | $187,505,500 | 3,266 |
| Average earning assets | $180,083,000 | 3,144 |
| Average equity | $22,152,000 | 2,964 |
| Average total loans | $134,052,500 | 2,871 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 4,342 |
| Cost of funding earning assets | 0.4815% | 6,611 |
| Net interest margin | 4.1951% | 2,080 |
| Noninterest income to average assets | 0.4210% | 4,438 |
| Noninterest expense to average assets | 3.7676% | 1,410 |
| Loan and lease loss provision to assets | 0.1462% | 4,784 |
| Net operating income to assets | 0.3724% | 4,983 |
| Return on assets (ROA) | 0.3903% | 5,078 |
| Pretax return on assets | 0.5135% | 4,952 |
| Return on Equity (ROE) | 3.6329% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.6329% | 3,622 |
| Net charge-offs to loans | 0.2147% | 4,447 |
| Credit loss provision to net charge-offs | 95.6989% | 3,770 |
| Earnings coverage of net charge-offs (x) | 4.1649% | 3,239 |
| Efficiency ratio | 85.5545% | 1,611 |
| Assets per employee ($millions) | 4.9970% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1674% | 1,866 |
| Loan loss allowance to noncurrent loans | 107.1085% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.8952% | 3,115 |
| Noncurrent loans to loans | 2.0236% | 3,174 |
| Net loans and leases to total assets | 70.6276% | 1,896 |
| Net loans and leases to deposits | 81.9976% | 2,201 |
| Net loans and leases to core deposits | 113.3692% | 525 |
| Total domestic deposits to total assets | 86.1338% | 3,240 |
| Equity capital to assets | 11.9159% | 2,189 |
| Core capital (leverage) ratio | 11.0094% | 2,264 |
| Tier 1 risk-based capital ratio | 15.0377% | 3,615 |
| Total risk-based capital ratio | 16.2981% | 3,568 |
| Memoranda: | ||
| Average total assets | $182,665,000 | 3,290 |
| Average earning assets | $173,416,600 | 3,181 |
| Average equity | $19,626,200 | 3,195 |
| Average total loans | $129,952,200 | 2,981 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 4,499 |
| Cost of funding earning assets | 0.4908% | 6,736 |
| Net interest margin | 4.2007% | 2,095 |
| Noninterest income to average assets | 0.4173% | 4,529 |
| Noninterest expense to average assets | 3.8840% | 1,179 |
| Loan and lease loss provision to assets | 0.1047% | 5,136 |
| Net operating income to assets | 0.3010% | 5,391 |
| Return on assets (ROA) | 0.3243% | 5,476 |
| Pretax return on assets | 0.4393% | 5,342 |
| Return on Equity (ROE) | 3.1046% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.1046% | 4,475 |
| Net charge-offs to loans | 0.2107% | 4,114 |
| Credit loss provision to net charge-offs | 70.0980% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.4314% | 3,441 |
| Efficiency ratio | 88.3430% | 1,309 |
| Assets per employee ($millions) | 5.3271% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1595% | 1,941 |
| Loan loss allowance to noncurrent loans | 137.8575% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.7635% | 3,454 |
| Noncurrent loans to loans | 1.5665% | 3,948 |
| Net loans and leases to total assets | 65.3726% | 3,039 |
| Net loans and leases to deposits | 74.5572% | 3,582 |
| Net loans and leases to core deposits | 97.7633% | 1,439 |
| Total domestic deposits to total assets | 87.6811% | 2,248 |
| Equity capital to assets | 10.5325% | 3,664 |
| Core capital (leverage) ratio | 10.3639% | 3,015 |
| Tier 1 risk-based capital ratio | 14.3698% | 4,074 |
| Total risk-based capital ratio | 15.6306% | 4,035 |
| Memoranda: | ||
| Average total assets | $182,109,250 | 3,318 |
| Average earning assets | $172,506,250 | 3,209 |
| Average equity | $19,025,000 | 3,281 |
| Average total loans | $129,071,500 | 3,027 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 4,390 |
| Cost of funding earning assets | 0.5263% | 6,758 |
| Net interest margin | 4.2054% | 2,012 |
| Noninterest income to average assets | 0.6019% | 3,130 |
| Noninterest expense to average assets | 3.8981% | 1,196 |
| Loan and lease loss provision to assets | 0.1389% | 4,566 |
| Net operating income to assets | 0.3732% | 5,067 |
| Return on assets (ROA) | 0.4077% | 5,067 |
| Pretax return on assets | 0.5748% | 4,830 |
| Return on Equity (ROE) | 3.9140% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.9140% | 3,701 |
| Net charge-offs to loans | 0.2044% | 3,930 |
| Credit loss provision to net charge-offs | 93.8931% | 3,346 |
| Earnings coverage of net charge-offs (x) | 4.4962% | 2,850 |
| Efficiency ratio | 85.4244% | 1,659 |
| Assets per employee ($millions) | 5.2534% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1952% | 1,926 |
| Loan loss allowance to noncurrent loans | 111.3802% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 3.9496% | 1,631 |
| Noncurrent loans to loans | 1.9709% | 3,518 |
| Net loans and leases to total assets | 70.1993% | 2,181 |
| Net loans and leases to deposits | 79.8286% | 2,831 |
| Net loans and leases to core deposits | 106.3090% | 910 |
| Total domestic deposits to total assets | 87.9375% | 2,180 |
| Equity capital to assets | 10.1709% | 3,915 |
| Core capital (leverage) ratio | 9.9501% | 3,324 |
| Tier 1 risk-based capital ratio | 12.7305% | 5,151 |
| Total risk-based capital ratio | 13.9917% | 5,115 |
| Memoranda: | ||
| Average total assets | $177,111,000 | 3,415 |
| Average earning assets | $166,834,670 | 3,324 |
| Average equity | $18,446,670 | 3,343 |
| Average total loans | $128,196,670 | 3,072 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 4,263 |
| Cost of funding earning assets | 0.5428% | 6,825 |
| Net interest margin | 4.2143% | 1,860 |
| Noninterest income to average assets | 0.9969% | 1,338 |
| Noninterest expense to average assets | 3.9095% | 1,161 |
| Loan and lease loss provision to assets | 0.2832% | 2,882 |
| Net operating income to assets | 0.4582% | 4,669 |
| Return on assets (ROA) | 0.4582% | 4,759 |
| Pretax return on assets | 0.7552% | 4,078 |
| Return on Equity (ROE) | 4.3451% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.3451% | 3,565 |
| Net charge-offs to loans | -0.0348% | 6,759 |
| Credit loss provision to net charge-offs | -1,118.1818% | 6,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0135% | 2,689 |
| Assets per employee ($millions) | 5.2260% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3780% | 1,634 |
| Loan loss allowance to noncurrent loans | 123.7378% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 4.3909% | 1,484 |
| Noncurrent loans to loans | 1.9218% | 3,671 |
| Net loans and leases to total assets | 70.2136% | 2,087 |
| Net loans and leases to deposits | 80.7303% | 2,566 |
| Net loans and leases to core deposits | 109.7139% | 741 |
| Total domestic deposits to total assets | 86.9730% | 2,955 |
| Equity capital to assets | 10.3774% | 3,315 |
| Core capital (leverage) ratio | 10.0733% | 3,067 |
| Tier 1 risk-based capital ratio | 12.5597% | 5,204 |
| Total risk-based capital ratio | 13.8227% | 5,171 |
| Memoranda: | ||
| Average total assets | $173,732,500 | 3,491 |
| Average earning assets | $162,873,500 | 3,406 |
| Average equity | $18,319,500 | 3,354 |
| Average total loans | $126,309,500 | 3,129 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 5,962 |
| Cost of funding earning assets | 0.8256% | 6,462 |
| Net interest margin | 3.8213% | 3,860 |
| Noninterest income to average assets | 0.0880% | 6,954 |
| Noninterest expense to average assets | 3.4502% | 2,302 |
| Loan and lease loss provision to assets | 0.2387% | 4,899 |
| Net operating income to assets | 0.1122% | 5,558 |
| Return on assets (ROA) | 0.1315% | 5,646 |
| Pretax return on assets | 0.0616% | 5,777 |
| Return on Equity (ROE) | 1.3527% | 5,604 |
| Retained earnings to average equity (ytd only) | 1.3527% | 4,867 |
| Net charge-offs to loans | 0.6685% | 3,011 |
| Credit loss provision to net charge-offs | 50.8197% | 6,246 |
| Earnings coverage of net charge-offs (x) | 0.5984% | 5,505 |
| Efficiency ratio | 92.4665% | 1,149 |
| Assets per employee ($millions) | 5.1448% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3273% | 1,652 |
| Loan loss allowance to noncurrent loans | 97.6142% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 5.8134% | 1,040 |
| Noncurrent loans to loans | 2.3842% | 3,135 |
| Net loans and leases to total assets | 71.8082% | 2,141 |
| Net loans and leases to deposits | 84.1921% | 2,421 |
| Net loans and leases to core deposits | 111.8957% | 820 |
| Total domestic deposits to total assets | 85.2910% | 3,718 |
| Equity capital to assets | 10.7198% | 2,934 |
| Core capital (leverage) ratio | 9.5549% | 3,637 |
| Tier 1 risk-based capital ratio | 12.0672% | 5,410 |
| Total risk-based capital ratio | 13.3286% | 5,384 |
| Memoranda: | ||
| Average total assets | $181,784,200 | 3,348 |
| Average earning assets | $173,318,400 | 3,217 |
| Average equity | $17,668,800 | 3,480 |
| Average total loans | $127,750,600 | 3,165 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 6,449 |
| Cost of funding earning assets | 0.8641% | 6,530 |
| Net interest margin | 3.6951% | 4,427 |
| Noninterest income to average assets | 0.0491% | 7,274 |
| Noninterest expense to average assets | 3.4151% | 2,251 |
| Loan and lease loss provision to assets | 0.1623% | 5,410 |
| Net operating income to assets | 0.0815% | 5,818 |
| Return on assets (ROA) | 0.0815% | 5,955 |
| Pretax return on assets | 0.0137% | 6,070 |
| Return on Equity (ROE) | 0.8591% | 5,927 |
| Retained earnings to average equity (ytd only) | 0.8591% | 5,456 |
| Net charge-offs to loans | 0.5095% | 3,251 |
| Credit loss provision to net charge-offs | 45.8248% | 5,950 |
| Earnings coverage of net charge-offs (x) | 0.4970% | 5,525 |
| Efficiency ratio | 95.0974% | 940 |
| Assets per employee ($millions) | 5.3865% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3790% | 1,502 |
| Loan loss allowance to noncurrent loans | 42.7354% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 5.4407% | 1,139 |
| Noncurrent loans to loans | 5.5667% | 1,183 |
| Net loans and leases to total assets | 70.6178% | 2,583 |
| Net loans and leases to deposits | 80.5956% | 3,339 |
| Net loans and leases to core deposits | 104.9268% | 1,405 |
| Total domestic deposits to total assets | 87.6200% | 2,200 |
| Equity capital to assets | 10.2096% | 3,867 |
| Core capital (leverage) ratio | 9.2132% | 4,347 |
| Tier 1 risk-based capital ratio | 12.3373% | 5,134 |
| Total risk-based capital ratio | 13.5999% | 5,095 |
| Memoranda: | ||
| Average total assets | $184,785,250 | 3,351 |
| Average earning assets | $177,129,000 | 3,201 |
| Average equity | $17,536,000 | 3,547 |
| Average total loans | $128,483,000 | 3,193 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 6,912 |
| Cost of funding earning assets | 0.9056% | 6,556 |
| Net interest margin | 3.4863% | 5,298 |
| Noninterest income to average assets | -0.0053% | 7,544 |
| Noninterest expense to average assets | 3.5569% | 1,893 |
| Loan and lease loss provision to assets | 0.0641% | 6,310 |
| Net operating income to assets | -0.1047% | 6,237 |
| Return on assets (ROA) | -0.1047% | 6,309 |
| Pretax return on assets | -0.2854% | 6,412 |
| Return on Equity (ROE) | -1.1309% | 6,336 |
| Retained earnings to average equity (ytd only) | -1.1309% | 6,000 |
| Net charge-offs to loans | 0.3519% | 3,590 |
| Credit loss provision to net charge-offs | 26.5487% | 5,785 |
| Earnings coverage of net charge-offs (x) | -0.9159% | 6,103 |
| Efficiency ratio | 106.6325% | 614 |
| Assets per employee ($millions) | 5.2787% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 1,404 |
| Loan loss allowance to noncurrent loans | 49.5141% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 5.1244% | 1,238 |
| Noncurrent loans to loans | 4.8944% | 1,427 |
| Net loans and leases to total assets | 70.8700% | 2,697 |
| Net loans and leases to deposits | 80.7294% | 3,475 |
| Net loans and leases to core deposits | 109.1354% | 1,224 |
| Total domestic deposits to total assets | 87.7872% | 2,115 |
| Equity capital to assets | 9.9741% | 4,056 |
| Core capital (leverage) ratio | 8.9567% | 4,676 |
| Tier 1 risk-based capital ratio | 11.8148% | 5,477 |
| Total risk-based capital ratio | 13.0790% | 5,431 |
| Memoranda: | ||
| Average total assets | $187,129,000 | 3,346 |
| Average earning assets | $179,331,000 | 3,199 |
| Average equity | $17,332,000 | 3,578 |
| Average total loans | $128,449,000 | 3,228 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 7,312 |
| Cost of funding earning assets | 0.9012% | 6,765 |
| Net interest margin | 3.2555% | 6,116 |
| Noninterest income to average assets | -0.1718% | 7,793 |
| Noninterest expense to average assets | 3.6909% | 1,537 |
| Loan and lease loss provision to assets | -0.0419% | 7,856 |
| Net operating income to assets | -0.2828% | 6,647 |
| Return on assets (ROA) | -0.2828% | 6,705 |
| Pretax return on assets | -0.6954% | 6,896 |
| Return on Equity (ROE) | -3.1676% | 6,753 |
| Retained earnings to average equity (ytd only) | -3.1676% | 6,384 |
| Net charge-offs to loans | 0.9098% | 1,762 |
| Credit loss provision to net charge-offs | -6.8966% | 5,954 |
| Earnings coverage of net charge-offs (x) | -1.2138% | 5,407 |
| Efficiency ratio | 124.9645% | 391 |
| Assets per employee ($millions) | 5.4505% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3144% | 1,557 |
| Loan loss allowance to noncurrent loans | 38.3783% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 5.6498% | 1,085 |
| Noncurrent loans to loans | 6.0306% | 1,088 |
| Net loans and leases to total assets | 68.6692% | 3,240 |
| Net loans and leases to deposits | 78.4406% | 3,956 |
| Net loans and leases to core deposits | 112.6360% | 1,122 |
| Total domestic deposits to total assets | 87.5429% | 2,339 |
| Equity capital to assets | 9.1622% | 5,043 |
| Core capital (leverage) ratio | 8.8351% | 4,811 |
| Tier 1 risk-based capital ratio | 11.5641% | 5,611 |
| Total risk-based capital ratio | 12.8277% | 5,572 |
| Memoranda: | ||
| Average total assets | $190,956,000 | 3,353 |
| Average earning assets | $183,320,000 | 3,220 |
| Average equity | $17,047,500 | 3,644 |
| Average total loans | $127,497,000 | 3,321 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 5,303 |
| Cost of funding earning assets | 1.2332% | 6,534 |
| Net interest margin | 4.0418% | 2,689 |
| Noninterest income to average assets | 0.5739% | 3,827 |
| Noninterest expense to average assets | 3.3832% | 2,733 |
| Loan and lease loss provision to assets | 2.9643% | 591 |
| Net operating income to assets | -1.0597% | 6,620 |
| Return on assets (ROA) | -1.0597% | 6,624 |
| Pretax return on assets | -1.9639% | 6,931 |
| Return on Equity (ROE) | -10.5740% | 6,659 |
| Retained earnings to average equity (ytd only) | -10.5740% | 6,556 |
| Net charge-offs to loans | 3.2528% | 623 |
| Credit loss provision to net charge-offs | 109.3111% | 5,048 |
| Earnings coverage of net charge-offs (x) | 0.3689% | 5,748 |
| Efficiency ratio | 77.1782% | 3,332 |
| Assets per employee ($millions) | 5.6170% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6659% | 1,048 |
| Loan loss allowance to noncurrent loans | 42.7268% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 5.0225% | 1,222 |
| Noncurrent loans to loans | 6.2394% | 986 |
| Net loans and leases to total assets | 61.7505% | 5,040 |
| Net loans and leases to deposits | 69.0835% | 5,713 |
| Net loans and leases to core deposits | 87.4355% | 5,393 |
| Total domestic deposits to total assets | 89.3853% | 1,271 |
| Equity capital to assets | 8.7062% | 5,575 |
| Core capital (leverage) ratio | 9.2809% | 4,002 |
| Tier 1 risk-based capital ratio | 11.8840% | 5,040 |
| Total risk-based capital ratio | 13.1508% | 4,987 |
| Memoranda: | ||
| Average total assets | $156,834,600 | 3,838 |
| Average earning assets | $147,829,200 | 3,748 |
| Average equity | $15,717,800 | 3,917 |
| Average total loans | $130,748,800 | 3,256 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7145% | 3,268 |
| Cost of funding earning assets | 1.3338% | 6,454 |
| Net interest margin | 4.3807% | 1,490 |
| Noninterest income to average assets | 0.4892% | 4,589 |
| Noninterest expense to average assets | 3.5907% | 2,041 |
| Loan and lease loss provision to assets | 4.0318% | 299 |
| Net operating income to assets | -1.7218% | 7,204 |
| Return on assets (ROA) | -1.7218% | 7,202 |
| Pretax return on assets | -3.0343% | 7,514 |
| Return on Equity (ROE) | -16.4578% | 7,255 |
| Retained earnings to average equity (ytd only) | -16.4578% | 7,208 |
| Net charge-offs to loans | 3.6424% | 404 |
| Credit loss provision to net charge-offs | 122.9449% | 4,114 |
| Earnings coverage of net charge-offs (x) | 0.3042% | 5,718 |
| Efficiency ratio | 78.2591% | 3,125 |
| Assets per employee ($millions) | 4.4722% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8175% | 774 |
| Loan loss allowance to noncurrent loans | 56.0310% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 5.1510% | 1,131 |
| Noncurrent loans to loans | 5.0285% | 1,305 |
| Net loans and leases to total assets | 80.5122% | 1,083 |
| Net loans and leases to deposits | 92.4558% | 2,160 |
| Net loans and leases to core deposits | 114.9976% | 2,727 |
| Total domestic deposits to total assets | 87.0818% | 2,138 |
| Equity capital to assets | 10.4846% | 3,533 |
| Core capital (leverage) ratio | 10.1271% | 3,141 |
| Tier 1 risk-based capital ratio | 11.4119% | 5,517 |
| Total risk-based capital ratio | 12.6821% | 5,441 |
| Memoranda: | ||
| Average total assets | $146,894,250 | 4,020 |
| Average earning assets | $137,448,250 | 3,975 |
| Average equity | $15,368,250 | 4,034 |
| Average total loans | $132,255,000 | 3,260 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8841% | 2,659 |
| Cost of funding earning assets | 1.3976% | 6,490 |
| Net interest margin | 4.4865% | 1,197 |
| Noninterest income to average assets | 0.8299% | 2,276 |
| Noninterest expense to average assets | 3.7709% | 1,700 |
| Loan and lease loss provision to assets | 0.9663% | 1,747 |
| Net operating income to assets | 0.1857% | 5,318 |
| Return on assets (ROA) | 0.1857% | 5,397 |
| Pretax return on assets | 0.2827% | 5,243 |
| Return on Equity (ROE) | 1.7761% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.7761% | 4,350 |
| Net charge-offs to loans | 1.5817% | 1,194 |
| Credit loss provision to net charge-offs | 65.8677% | 5,492 |
| Earnings coverage of net charge-offs (x) | 0.8514% | 4,902 |
| Efficiency ratio | 75.1191% | 3,858 |
| Assets per employee ($millions) | 4.2063% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 1,625 |
| Loan loss allowance to noncurrent loans | 173.3827% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 3.8178% | 1,588 |
| Noncurrent loans to loans | 1.1390% | 4,937 |
| Net loans and leases to total assets | 89.3052% | 164 |
| Net loans and leases to deposits | 104.8536% | 841 |
| Net loans and leases to core deposits | 118.0419% | 2,542 |
| Total domestic deposits to total assets | 85.1714% | 3,177 |
| Equity capital to assets | 10.4256% | 3,490 |
| Core capital (leverage) ratio | 10.3827% | 2,920 |
| Tier 1 risk-based capital ratio | 10.7621% | 6,123 |
| Total risk-based capital ratio | 12.0203% | 6,049 |
| Memoranda: | ||
| Average total assets | $142,193,000 | 4,136 |
| Average earning assets | $132,799,000 | 4,088 |
| Average equity | $14,864,330 | 4,132 |
| Average total loans | $131,879,670 | 3,305 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7791% | 3,405 |
| Cost of funding earning assets | 1.4822% | 6,463 |
| Net interest margin | 4.2969% | 1,611 |
| Noninterest income to average assets | 0.9310% | 1,732 |
| Noninterest expense to average assets | 3.6930% | 1,672 |
| Loan and lease loss provision to assets | 0.7392% | 1,741 |
| Net operating income to assets | 0.3611% | 5,014 |
| Return on assets (ROA) | 0.3611% | 5,199 |
| Pretax return on assets | 0.5473% | 4,926 |
| Return on Equity (ROE) | 3.4498% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.4498% | 3,971 |
| Net charge-offs to loans | 0.5728% | 2,033 |
| Credit loss provision to net charge-offs | 137.8947% | 2,944 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,533 |
| Efficiency ratio | 74.1643% | 3,794 |
| Assets per employee ($millions) | 4.2055% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3073% | 937 |
| Loan loss allowance to noncurrent loans | 95.9092% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 3.6157% | 1,468 |
| Noncurrent loans to loans | 2.4057% | 2,742 |
| Net loans and leases to total assets | 88.8661% | 203 |
| Net loans and leases to deposits | 100.0370% | 1,401 |
| Net loans and leases to core deposits | 112.2232% | 3,201 |
| Total domestic deposits to total assets | 88.8333% | 1,315 |
| Equity capital to assets | 10.4247% | 3,544 |
| Core capital (leverage) ratio | 10.4531% | 2,980 |
| Tier 1 risk-based capital ratio | 10.8825% | 6,011 |
| Total risk-based capital ratio | 12.1449% | 5,905 |
| Memoranda: | ||
| Average total assets | $141,782,500 | 4,156 |
| Average earning assets | $133,585,500 | 4,078 |
| Average equity | $14,841,500 | 4,167 |
| Average total loans | $132,673,500 | 3,309 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0453% | 1,017 |
| Cost of funding earning assets | 2.3006% | 5,149 |
| Net interest margin | 4.7447% | 880 |
| Noninterest income to average assets | 0.9550% | 1,744 |
| Noninterest expense to average assets | 3.9891% | 1,435 |
| Loan and lease loss provision to assets | -0.0294% | 8,223 |
| Net operating income to assets | 0.9940% | 2,581 |
| Return on assets (ROA) | 0.9940% | 2,464 |
| Pretax return on assets | 1.5428% | 1,556 |
| Return on Equity (ROE) | 9.5326% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.5326% | 517 |
| Net charge-offs to loans | -0.4317% | 8,209 |
| Credit loss provision to net charge-offs | 7.0671% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4963% | 3,845 |
| Assets per employee ($millions) | 3.9049% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 984 |
| Loan loss allowance to noncurrent loans | 301.9588% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 1.8652% | 2,641 |
| Noncurrent loans to loans | 0.7170% | 5,241 |
| Net loans and leases to total assets | 94.1470% | 28 |
| Net loans and leases to deposits | 109.7275% | 855 |
| Net loans and leases to core deposits | 123.9627% | 2,330 |
| Total domestic deposits to total assets | 85.8008% | 2,493 |
| Equity capital to assets | 10.5116% | 3,489 |
| Core capital (leverage) ratio | 10.4853% | 2,985 |
| Tier 1 risk-based capital ratio | 10.4640% | 6,243 |
| Total risk-based capital ratio | 11.7251% | 6,114 |
| Memoranda: | ||
| Average total assets | $135,921,600 | 4,164 |
| Average earning assets | $130,271,600 | 4,038 |
| Average equity | $14,172,400 | 4,300 |
| Average total loans | $131,095,000 | 3,250 |