Home > Community Bank, North Mississippi > Performance and Condition Ratios
Community Bank, North Mississippi, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 3,881 |
| Cost of funding earning assets | 0.3654% | 3,560 |
| Net interest margin | 3.4841% | 3,577 |
| Noninterest income to average assets | 0.5031% | 2,977 |
| Noninterest expense to average assets | 2.5843% | 3,492 |
| Loan and lease loss provision to assets | 0.0641% | 2,937 |
| Net operating income to assets | 0.5307% | 4,291 |
| Return on assets (ROA) | 0.5307% | 4,324 |
| Pretax return on assets | 1.0178% | 3,506 |
| Return on Equity (ROE) | 5.5671% | 3,938 |
| Retained earnings to average equity (ytd only) | -0.3102% | 5,090 |
| Net charge-offs to loans | 0.0045% | 3,927 |
| Credit loss provision to net charge-offs | 2,181.2500% | 180 |
| Earnings coverage of net charge-offs (x) | 368.1250% | 237 |
| Efficiency ratio | 70.4895% | 2,472 |
| Assets per employee ($millions) | 5.5635% | 1,874 |
| Cash dividends to net income (ytd only)* | 105.5729% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,522 |
| Loan loss allowance to noncurrent loans | 323.3002% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 1,859 |
| Noncurrent loans to loans | 0.3290% | 3,590 |
| Net loans and leases to total assets | 62.6866% | 3,528 |
| Net loans and leases to deposits | 76.2124% | 3,310 |
| Net loans and leases to core deposits | 90.6323% | 2,500 |
| Total domestic deposits to total assets | 82.2525% | 3,800 |
| Equity capital to assets | 8.8601% | 4,850 |
| Core capital (leverage) ratio | 9.2322% | 4,365 |
| Tier 1 risk-based capital ratio | 14.6908% | 2,998 |
| Total risk-based capital ratio | 15.8568% | 2,964 |
| Memoranda: | ||
| Average total assets | $544,405,800 | 1,292 |
| Average earning assets | $494,244,400 | 1,318 |
| Average equity | $51,894,600 | 1,476 |
| Average total loans | $353,945,800 | 1,371 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 3,784 |
| Cost of funding earning assets | 0.3592% | 3,582 |
| Net interest margin | 3.5056% | 3,487 |
| Noninterest income to average assets | 0.5768% | 2,595 |
| Noninterest expense to average assets | 2.6248% | 3,339 |
| Loan and lease loss provision to assets | 0.0709% | 2,662 |
| Net operating income to assets | 0.6922% | 4,018 |
| Return on assets (ROA) | 0.6922% | 4,088 |
| Pretax return on assets | 1.0575% | 3,465 |
| Return on Equity (ROE) | 7.1260% | 3,584 |
| Retained earnings to average equity (ytd only) | 1.6189% | 4,778 |
| Net charge-offs to loans | -0.0004% | 4,249 |
| Credit loss provision to net charge-offs | -28,500.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9350% | 2,548 |
| Assets per employee ($millions) | 5.4377% | 1,984 |
| Cash dividends to net income (ytd only)* | 77.2827% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,630 |
| Loan loss allowance to noncurrent loans | 397.5232% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 1,597 |
| Noncurrent loans to loans | 0.2707% | 3,988 |
| Net loans and leases to total assets | 65.7867% | 3,132 |
| Net loans and leases to deposits | 74.8714% | 3,487 |
| Net loans and leases to core deposits | 85.0088% | 3,044 |
| Total domestic deposits to total assets | 87.8662% | 1,437 |
| Equity capital to assets | 9.7403% | 4,210 |
| Core capital (leverage) ratio | 9.4306% | 4,253 |
| Tier 1 risk-based capital ratio | 15.2468% | 2,816 |
| Total risk-based capital ratio | 16.4270% | 2,779 |
| Memoranda: | ||
| Average total assets | $535,856,250 | 1,322 |
| Average earning assets | $485,532,750 | 1,354 |
| Average equity | $52,052,000 | 1,490 |
| Average total loans | $350,780,750 | 1,385 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 3,915 |
| Cost of funding earning assets | 0.3577% | 3,503 |
| Net interest margin | 3.4360% | 3,643 |
| Noninterest income to average assets | 0.5663% | 2,628 |
| Noninterest expense to average assets | 2.6088% | 3,406 |
| Loan and lease loss provision to assets | 0.0710% | 2,552 |
| Net operating income to assets | 0.6606% | 4,025 |
| Return on assets (ROA) | 0.6609% | 4,082 |
| Pretax return on assets | 1.0074% | 3,542 |
| Return on Equity (ROE) | 6.8099% | 3,657 |
| Retained earnings to average equity (ytd only) | 1.9952% | 4,458 |
| Net charge-offs to loans | 0.0098% | 3,115 |
| Credit loss provision to net charge-offs | 1,117.6471% | 359 |
| Earnings coverage of net charge-offs (x) | 169.6471% | 460 |
| Efficiency ratio | 70.7594% | 2,539 |
| Assets per employee ($millions) | 5.4168% | 1,949 |
| Cash dividends to net income (ytd only)* | 70.7014% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,824 |
| Loan loss allowance to noncurrent loans | 359.5192% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 1,637 |
| Noncurrent loans to loans | 0.2934% | 3,991 |
| Net loans and leases to total assets | 66.0657% | 3,098 |
| Net loans and leases to deposits | 73.6663% | 3,583 |
| Net loans and leases to core deposits | 83.3027% | 3,146 |
| Total domestic deposits to total assets | 89.6823% | 653 |
| Equity capital to assets | 9.8631% | 4,073 |
| Core capital (leverage) ratio | 9.3278% | 4,330 |
| Tier 1 risk-based capital ratio | 15.2875% | 2,807 |
| Total risk-based capital ratio | 16.4391% | 2,781 |
| Memoranda: | ||
| Average total assets | $535,031,330 | 1,329 |
| Average earning assets | $485,920,670 | 1,352 |
| Average equity | $51,924,330 | 1,497 |
| Average total loans | $348,373,670 | 1,399 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,023 |
| Cost of funding earning assets | 0.3739% | 3,264 |
| Net interest margin | 3.3530% | 3,831 |
| Noninterest income to average assets | 0.5623% | 2,595 |
| Noninterest expense to average assets | 2.5856% | 3,546 |
| Loan and lease loss provision to assets | 0.0707% | 2,392 |
| Net operating income to assets | 0.6251% | 4,041 |
| Return on assets (ROA) | 0.6256% | 4,088 |
| Pretax return on assets | 0.9517% | 3,581 |
| Return on Equity (ROE) | 6.4981% | 3,666 |
| Retained earnings to average equity (ytd only) | 2.6302% | 4,085 |
| Net charge-offs to loans | 0.0243% | 2,275 |
| Credit loss provision to net charge-offs | 452.3810% | 604 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 756 |
| Efficiency ratio | 71.6763% | 2,632 |
| Assets per employee ($millions) | 5.9566% | 1,537 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,995 |
| Loan loss allowance to noncurrent loans | 252.6024% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 1.1523% | 1,533 |
| Noncurrent loans to loans | 0.4144% | 3,603 |
| Net loans and leases to total assets | 63.4803% | 3,335 |
| Net loans and leases to deposits | 70.4900% | 3,744 |
| Net loans and leases to core deposits | 78.8269% | 3,407 |
| Total domestic deposits to total assets | 90.0558% | 633 |
| Equity capital to assets | 9.5891% | 4,193 |
| Core capital (leverage) ratio | 9.4371% | 4,189 |
| Tier 1 risk-based capital ratio | 15.3945% | 2,800 |
| Total risk-based capital ratio | 16.5278% | 2,774 |
| Memoranda: | ||
| Average total assets | $537,124,000 | 1,328 |
| Average earning assets | $487,803,500 | 1,349 |
| Average equity | $51,707,500 | 1,496 |
| Average total loans | $345,337,500 | 1,413 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,254 |
| Cost of funding earning assets | 0.4733% | 2,323 |
| Net interest margin | 3.2128% | 4,408 |
| Noninterest income to average assets | 0.4679% | 3,426 |
| Noninterest expense to average assets | 2.6609% | 3,486 |
| Loan and lease loss provision to assets | 0.1247% | 1,989 |
| Net operating income to assets | 0.4036% | 4,931 |
| Return on assets (ROA) | 0.4449% | 4,894 |
| Pretax return on assets | 0.6408% | 4,676 |
| Return on Equity (ROE) | 4.5848% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.6892% | 4,569 |
| Net charge-offs to loans | 0.0102% | 3,923 |
| Credit loss provision to net charge-offs | 2,018.1818% | 212 |
| Earnings coverage of net charge-offs (x) | 114.1818% | 533 |
| Efficiency ratio | 79.0364% | 1,551 |
| Assets per employee ($millions) | 5.4306% | 1,921 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 4,078 |
| Loan loss allowance to noncurrent loans | 229.0302% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.1830% | 1,530 |
| Noncurrent loans to loans | 0.4540% | 3,523 |
| Net loans and leases to total assets | 63.7684% | 3,385 |
| Net loans and leases to deposits | 71.2291% | 3,785 |
| Net loans and leases to core deposits | 80.7844% | 3,327 |
| Total domestic deposits to total assets | 89.5259% | 848 |
| Equity capital to assets | 9.6650% | 4,100 |
| Core capital (leverage) ratio | 9.3531% | 4,283 |
| Tier 1 risk-based capital ratio | 15.3499% | 2,821 |
| Total risk-based capital ratio | 16.4645% | 2,812 |
| Memoranda: | ||
| Average total assets | $533,874,400 | 1,293 |
| Average earning assets | $481,693,200 | 1,317 |
| Average equity | $51,801,200 | 1,478 |
| Average total loans | $322,849,400 | 1,442 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,430 |
| Cost of funding earning assets | 0.4823% | 2,237 |
| Net interest margin | 3.1604% | 4,604 |
| Noninterest income to average assets | 0.5203% | 3,113 |
| Noninterest expense to average assets | 2.6629% | 3,456 |
| Loan and lease loss provision to assets | 0.1662% | 1,372 |
| Net operating income to assets | 0.3647% | 5,131 |
| Return on assets (ROA) | 0.4180% | 5,053 |
| Pretax return on assets | 0.6196% | 4,826 |
| Return on Equity (ROE) | 4.3037% | 4,791 |
| Retained earnings to average equity (ytd only) | 1.9913% | 4,689 |
| Net charge-offs to loans | 0.0222% | 3,236 |
| Credit loss provision to net charge-offs | 1,256.6038% | 333 |
| Earnings coverage of net charge-offs (x) | 53.3999% | 1,025 |
| Efficiency ratio | 79.0386% | 1,551 |
| Assets per employee ($millions) | 5.4379% | 1,915 |
| Cash dividends to net income (ytd only)* | 53.7313% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,940 |
| Loan loss allowance to noncurrent loans | 345.2775% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 1,534 |
| Noncurrent loans to loans | 0.3130% | 4,132 |
| Net loans and leases to total assets | 60.9050% | 3,753 |
| Net loans and leases to deposits | 68.9325% | 4,072 |
| Net loans and leases to core deposits | 79.0021% | 3,552 |
| Total domestic deposits to total assets | 88.3545% | 1,208 |
| Equity capital to assets | 9.8541% | 4,297 |
| Core capital (leverage) ratio | 9.1535% | 4,656 |
| Tier 1 risk-based capital ratio | 15.7018% | 2,752 |
| Total risk-based capital ratio | 16.8382% | 2,731 |
| Memoranda: | ||
| Average total assets | $534,294,000 | 1,298 |
| Average earning assets | $481,608,750 | 1,320 |
| Average equity | $51,892,250 | 1,485 |
| Average total loans | $317,827,000 | 1,459 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 4,651 |
| Cost of funding earning assets | 0.4850% | 2,228 |
| Net interest margin | 3.0948% | 4,850 |
| Noninterest income to average assets | 0.4750% | 3,369 |
| Noninterest expense to average assets | 2.6633% | 3,508 |
| Loan and lease loss provision to assets | 0.1649% | 1,364 |
| Net operating income to assets | 0.2947% | 5,344 |
| Return on assets (ROA) | 0.3759% | 5,189 |
| Pretax return on assets | 0.5535% | 5,012 |
| Return on Equity (ROE) | 3.8889% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.3411% | 4,385 |
| Net charge-offs to loans | 0.0140% | 3,258 |
| Credit loss provision to net charge-offs | 2,004.5455% | 202 |
| Earnings coverage of net charge-offs (x) | 72.8182% | 754 |
| Efficiency ratio | 81.6348% | 1,313 |
| Assets per employee ($millions) | 5.4715% | 1,821 |
| Cash dividends to net income (ytd only)* | 39.8010% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 4,248 |
| Loan loss allowance to noncurrent loans | 402.8846% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 1,733 |
| Noncurrent loans to loans | 0.2598% | 4,427 |
| Net loans and leases to total assets | 58.5104% | 4,069 |
| Net loans and leases to deposits | 65.9798% | 4,349 |
| Net loans and leases to core deposits | 77.4328% | 3,695 |
| Total domestic deposits to total assets | 88.6793% | 1,076 |
| Equity capital to assets | 9.6367% | 4,626 |
| Core capital (leverage) ratio | 9.1089% | 4,705 |
| Tier 1 risk-based capital ratio | 16.0126% | 2,636 |
| Total risk-based capital ratio | 17.1123% | 2,645 |
| Memoranda: | ||
| Average total assets | $534,753,000 | 1,300 |
| Average earning assets | $481,648,000 | 1,323 |
| Average equity | $51,685,000 | 1,493 |
| Average total loans | $314,396,330 | 1,472 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 4,736 |
| Cost of funding earning assets | 0.4864% | 2,214 |
| Net interest margin | 3.0734% | 4,943 |
| Noninterest income to average assets | 0.5413% | 2,862 |
| Noninterest expense to average assets | 2.6178% | 3,694 |
| Loan and lease loss provision to assets | 0.1995% | 984 |
| Net operating income to assets | 0.3286% | 5,216 |
| Return on assets (ROA) | 0.3629% | 5,185 |
| Pretax return on assets | 0.5338% | 5,000 |
| Return on Equity (ROE) | 3.7490% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.7490% | 3,617 |
| Net charge-offs to loans | 0.0193% | 2,548 |
| Credit loss provision to net charge-offs | 1,766.6667% | 234 |
| Earnings coverage of net charge-offs (x) | 60.4667% | 779 |
| Efficiency ratio | 79.3111% | 1,697 |
| Assets per employee ($millions) | 5.6785% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 4,490 |
| Loan loss allowance to noncurrent loans | 337.5398% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 1.4567% | 1,417 |
| Noncurrent loans to loans | 0.3023% | 4,342 |
| Net loans and leases to total assets | 57.2282% | 4,124 |
| Net loans and leases to deposits | 64.4711% | 4,396 |
| Net loans and leases to core deposits | 75.4394% | 3,735 |
| Total domestic deposits to total assets | 88.7657% | 1,221 |
| Equity capital to assets | 9.6351% | 4,525 |
| Core capital (leverage) ratio | 9.2156% | 4,581 |
| Tier 1 risk-based capital ratio | 16.2030% | 2,581 |
| Total risk-based capital ratio | 17.2625% | 2,628 |
| Memoranda: | ||
| Average total assets | $531,290,500 | 1,308 |
| Average earning assets | $476,992,500 | 1,328 |
| Average equity | $51,427,500 | 1,494 |
| Average total loans | $311,449,500 | 1,473 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,308 |
| Cost of funding earning assets | 0.4252% | 2,895 |
| Net interest margin | 3.2957% | 4,308 |
| Noninterest income to average assets | 0.3670% | 4,279 |
| Noninterest expense to average assets | 2.7056% | 3,562 |
| Loan and lease loss provision to assets | 0.1359% | 1,748 |
| Net operating income to assets | 0.3075% | 5,335 |
| Return on assets (ROA) | 0.3112% | 5,410 |
| Pretax return on assets | 0.4543% | 5,216 |
| Return on Equity (ROE) | 3.0274% | 5,295 |
| Retained earnings to average equity (ytd only) | -0.8614% | 5,638 |
| Net charge-offs to loans | 0.2541% | 1,185 |
| Credit loss provision to net charge-offs | 87.1795% | 2,810 |
| Earnings coverage of net charge-offs (x) | 3.7513% | 3,668 |
| Efficiency ratio | 82.2257% | 1,374 |
| Assets per employee ($millions) | 5.4493% | 1,859 |
| Cash dividends to net income (ytd only)* | 128.4522% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 4,902 |
| Loan loss allowance to noncurrent loans | 319.8473% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 1.8068% | 1,051 |
| Noncurrent loans to loans | 0.2949% | 4,400 |
| Net loans and leases to total assets | 58.8888% | 3,986 |
| Net loans and leases to deposits | 66.4068% | 4,284 |
| Net loans and leases to core deposits | 74.9737% | 3,852 |
| Total domestic deposits to total assets | 88.6789% | 1,294 |
| Equity capital to assets | 9.7257% | 4,266 |
| Core capital (leverage) ratio | 9.5594% | 4,091 |
| Tier 1 risk-based capital ratio | 15.8301% | 2,771 |
| Total risk-based capital ratio | 16.7938% | 2,842 |
| Memoranda: | ||
| Average total assets | $500,294,400 | 1,345 |
| Average earning assets | $443,787,200 | 1,400 |
| Average equity | $51,430,800 | 1,442 |
| Average total loans | $306,923,000 | 1,443 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7584% | 4,230 |
| Cost of funding earning assets | 0.4111% | 3,117 |
| Net interest margin | 3.3473% | 4,152 |
| Noninterest income to average assets | 0.5982% | 2,752 |
| Noninterest expense to average assets | 2.7343% | 3,451 |
| Loan and lease loss provision to assets | 0.0970% | 2,231 |
| Net operating income to assets | 0.4837% | 4,845 |
| Return on assets (ROA) | 0.4772% | 4,968 |
| Pretax return on assets | 0.7200% | 4,613 |
| Return on Equity (ROE) | 4.5763% | 4,807 |
| Retained earnings to average equity (ytd only) | 0.6981% | 5,409 |
| Net charge-offs to loans | 0.1678% | 1,481 |
| Credit loss provision to net charge-offs | 93.5065% | 2,419 |
| Earnings coverage of net charge-offs (x) | 7.9688% | 2,858 |
| Efficiency ratio | 76.7769% | 2,119 |
| Assets per employee ($millions) | 5.1976% | 2,069 |
| Cash dividends to net income (ytd only)* | 84.7458% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 4,867 |
| Loan loss allowance to noncurrent loans | 193.8144% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 2.2959% | 799 |
| Noncurrent loans to loans | 0.5029% | 3,843 |
| Net loans and leases to total assets | 60.6093% | 3,795 |
| Net loans and leases to deposits | 69.0460% | 4,088 |
| Net loans and leases to core deposits | 78.4835% | 3,562 |
| Total domestic deposits to total assets | 87.7811% | 1,666 |
| Equity capital to assets | 10.3183% | 3,789 |
| Core capital (leverage) ratio | 9.8800% | 3,798 |
| Tier 1 risk-based capital ratio | 15.8316% | 2,879 |
| Total risk-based capital ratio | 16.8063% | 2,950 |
| Memoranda: | ||
| Average total assets | $494,586,000 | 1,366 |
| Average earning assets | $437,838,000 | 1,419 |
| Average equity | $51,569,000 | 1,442 |
| Average total loans | $305,904,500 | 1,455 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7437% | 4,263 |
| Cost of funding earning assets | 0.3914% | 3,360 |
| Net interest margin | 3.3523% | 4,099 |
| Noninterest income to average assets | 0.5946% | 2,774 |
| Noninterest expense to average assets | 2.7172% | 3,535 |
| Loan and lease loss provision to assets | 0.0977% | 2,192 |
| Net operating income to assets | 0.4910% | 4,811 |
| Return on assets (ROA) | 0.4811% | 4,951 |
| Pretax return on assets | 0.7277% | 4,571 |
| Return on Equity (ROE) | 4.5976% | 4,793 |
| Retained earnings to average equity (ytd only) | 0.7079% | 5,272 |
| Net charge-offs to loans | 0.1816% | 1,367 |
| Credit loss provision to net charge-offs | 86.6426% | 2,250 |
| Earnings coverage of net charge-offs (x) | 7.4549% | 2,666 |
| Efficiency ratio | 76.3757% | 2,296 |
| Assets per employee ($millions) | 5.1762% | 2,064 |
| Cash dividends to net income (ytd only)* | 84.6024% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 4,925 |
| Loan loss allowance to noncurrent loans | 194.0415% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 2.3492% | 847 |
| Noncurrent loans to loans | 0.5092% | 3,931 |
| Net loans and leases to total assets | 61.0539% | 3,685 |
| Net loans and leases to deposits | 69.6180% | 3,971 |
| Net loans and leases to core deposits | 78.3145% | 3,546 |
| Total domestic deposits to total assets | 87.6985% | 1,796 |
| Equity capital to assets | 10.4855% | 3,454 |
| Core capital (leverage) ratio | 10.1771% | 3,365 |
| Tier 1 risk-based capital ratio | 15.9900% | 2,867 |
| Total risk-based capital ratio | 16.9729% | 2,936 |
| Memoranda: | ||
| Average total assets | $491,391,330 | 1,386 |
| Average earning assets | $434,335,000 | 1,442 |
| Average equity | $51,418,000 | 1,460 |
| Average total loans | $305,012,000 | 1,457 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 4,260 |
| Cost of funding earning assets | 0.3841% | 3,476 |
| Net interest margin | 3.3465% | 4,036 |
| Noninterest income to average assets | 0.5627% | 2,868 |
| Noninterest expense to average assets | 2.6929% | 3,612 |
| Loan and lease loss provision to assets | 0.0977% | 2,069 |
| Net operating income to assets | 0.4822% | 4,754 |
| Return on assets (ROA) | 0.4699% | 4,920 |
| Pretax return on assets | 0.7117% | 4,556 |
| Return on Equity (ROE) | 4.4950% | 4,759 |
| Retained earnings to average equity (ytd only) | 0.5998% | 5,194 |
| Net charge-offs to loans | 0.0968% | 1,752 |
| Credit loss provision to net charge-offs | 162.1622% | 1,196 |
| Earnings coverage of net charge-offs (x) | 13.7432% | 1,705 |
| Efficiency ratio | 76.4801% | 2,429 |
| Assets per employee ($millions) | 5.0926% | 2,236 |
| Cash dividends to net income (ytd only)* | 86.6551% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 4,968 |
| Loan loss allowance to noncurrent loans | 315.8974% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 2.3009% | 974 |
| Noncurrent loans to loans | 0.3194% | 4,651 |
| Net loans and leases to total assets | 61.8070% | 3,404 |
| Net loans and leases to deposits | 70.4925% | 3,695 |
| Net loans and leases to core deposits | 77.9500% | 3,383 |
| Total domestic deposits to total assets | 87.6788% | 1,997 |
| Equity capital to assets | 10.5679% | 3,461 |
| Core capital (leverage) ratio | 10.1924% | 3,350 |
| Tier 1 risk-based capital ratio | 14.7978% | 3,542 |
| Total risk-based capital ratio | 15.7355% | 3,653 |
| Memoranda: | ||
| Average total assets | $491,219,000 | 1,385 |
| Average earning assets | $434,250,500 | 1,446 |
| Average equity | $51,346,500 | 1,470 |
| Average total loans | $305,908,000 | 1,451 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 3,616 |
| Cost of funding earning assets | 0.4162% | 3,520 |
| Net interest margin | 3.6097% | 3,377 |
| Noninterest income to average assets | 0.5410% | 3,227 |
| Noninterest expense to average assets | 2.6846% | 3,922 |
| Loan and lease loss provision to assets | 0.0371% | 3,839 |
| Net operating income to assets | 0.6440% | 4,177 |
| Return on assets (ROA) | 0.6516% | 4,238 |
| Pretax return on assets | 1.0086% | 3,457 |
| Return on Equity (ROE) | 6.2106% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.4996% | 5,089 |
| Net charge-offs to loans | 0.3402% | 1,290 |
| Credit loss provision to net charge-offs | 17.3244% | 4,007 |
| Earnings coverage of net charge-offs (x) | 4.8316% | 3,555 |
| Efficiency ratio | 71.8970% | 3,225 |
| Assets per employee ($millions) | 5.0362% | 2,273 |
| Cash dividends to net income (ytd only)* | 75.8534% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 5,115 |
| Loan loss allowance to noncurrent loans | 133.6564% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 2.6103% | 866 |
| Noncurrent loans to loans | 0.7405% | 3,468 |
| Net loans and leases to total assets | 61.5004% | 3,573 |
| Net loans and leases to deposits | 69.8937% | 3,926 |
| Net loans and leases to core deposits | 76.3723% | 3,667 |
| Total domestic deposits to total assets | 87.9913% | 1,779 |
| Equity capital to assets | 10.3390% | 3,679 |
| Core capital (leverage) ratio | 10.2553% | 3,240 |
| Tier 1 risk-based capital ratio | 15.2969% | 3,317 |
| Total risk-based capital ratio | 16.2537% | 3,422 |
| Memoranda: | ||
| Average total assets | $485,545,200 | 1,371 |
| Average earning assets | $427,399,600 | 1,431 |
| Average equity | $50,945,400 | 1,426 |
| Average total loans | $305,442,200 | 1,408 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 3,398 |
| Cost of funding earning assets | 0.4242% | 3,530 |
| Net interest margin | 3.6712% | 3,147 |
| Noninterest income to average assets | 0.5597% | 3,135 |
| Noninterest expense to average assets | 2.7005% | 3,821 |
| Loan and lease loss provision to assets | 0.0358% | 3,690 |
| Net operating income to assets | 0.6772% | 4,061 |
| Return on assets (ROA) | 0.7004% | 4,033 |
| Pretax return on assets | 1.0880% | 3,240 |
| Return on Equity (ROE) | 6.6502% | 3,878 |
| Retained earnings to average equity (ytd only) | 2.7229% | 4,655 |
| Net charge-offs to loans | 0.1455% | 2,344 |
| Credit loss provision to net charge-offs | 39.0390% | 3,305 |
| Earnings coverage of net charge-offs (x) | 11.8468% | 2,373 |
| Efficiency ratio | 70.8931% | 3,359 |
| Assets per employee ($millions) | 5.0146% | 2,223 |
| Cash dividends to net income (ytd only)* | 59.0552% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 4,279 |
| Loan loss allowance to noncurrent loans | 116.4773% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 2.5105% | 1,047 |
| Noncurrent loans to loans | 1.0225% | 3,027 |
| Net loans and leases to total assets | 64.9468% | 3,035 |
| Net loans and leases to deposits | 74.4935% | 3,374 |
| Net loans and leases to core deposits | 81.6773% | 3,132 |
| Total domestic deposits to total assets | 87.1845% | 2,213 |
| Equity capital to assets | 10.8523% | 3,124 |
| Core capital (leverage) ratio | 10.2189% | 3,388 |
| Tier 1 risk-based capital ratio | 15.5676% | 3,277 |
| Total risk-based capital ratio | 16.7453% | 3,264 |
| Memoranda: | ||
| Average total assets | $483,544,000 | 1,392 |
| Average earning assets | $425,242,500 | 1,453 |
| Average equity | $50,924,750 | 1,430 |
| Average total loans | $305,160,500 | 1,415 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 3,471 |
| Cost of funding earning assets | 0.4292% | 3,561 |
| Net interest margin | 3.6399% | 3,190 |
| Noninterest income to average assets | 0.5361% | 3,230 |
| Noninterest expense to average assets | 2.6821% | 3,933 |
| Loan and lease loss provision to assets | 0.0328% | 3,631 |
| Net operating income to assets | 0.6567% | 4,059 |
| Return on assets (ROA) | 0.6530% | 4,179 |
| Pretax return on assets | 1.0160% | 3,419 |
| Return on Equity (ROE) | 6.2618% | 4,019 |
| Retained earnings to average equity (ytd only) | 3.3118% | 4,091 |
| Net charge-offs to loans | 0.0823% | 2,867 |
| Credit loss provision to net charge-offs | 64.0000% | 2,578 |
| Earnings coverage of net charge-offs (x) | 20.5680% | 1,579 |
| Efficiency ratio | 71.2075% | 3,470 |
| Assets per employee ($millions) | 5.1593% | 2,019 |
| Cash dividends to net income (ytd only)* | 47.1106% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 4,248 |
| Loan loss allowance to noncurrent loans | 212.2449% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 2.1688% | 1,416 |
| Noncurrent loans to loans | 0.5819% | 4,278 |
| Net loans and leases to total assets | 62.1323% | 3,380 |
| Net loans and leases to deposits | 70.7555% | 3,728 |
| Net loans and leases to core deposits | 77.7719% | 3,468 |
| Total domestic deposits to total assets | 87.8127% | 2,028 |
| Equity capital to assets | 10.3856% | 3,578 |
| Core capital (leverage) ratio | 9.9523% | 3,676 |
| Tier 1 risk-based capital ratio | 15.3150% | 3,464 |
| Total risk-based capital ratio | 16.5285% | 3,428 |
| Memoranda: | ||
| Average total assets | $487,600,330 | 1,374 |
| Average earning assets | $428,751,670 | 1,441 |
| Average equity | $50,848,000 | 1,428 |
| Average total loans | $303,603,000 | 1,416 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 3,478 |
| Cost of funding earning assets | 0.4369% | 3,573 |
| Net interest margin | 3.6125% | 3,202 |
| Noninterest income to average assets | 0.6276% | 2,580 |
| Noninterest expense to average assets | 2.6724% | 4,027 |
| Loan and lease loss provision to assets | 0.0661% | 2,802 |
| Net operating income to assets | 0.6770% | 3,805 |
| Return on assets (ROA) | 0.6780% | 3,878 |
| Pretax return on assets | 1.0559% | 3,104 |
| Return on Equity (ROE) | 6.4883% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.4883% | 2,290 |
| Net charge-offs to loans | 0.1402% | 1,880 |
| Credit loss provision to net charge-offs | 76.1905% | 1,943 |
| Earnings coverage of net charge-offs (x) | 12.9048% | 1,694 |
| Efficiency ratio | 69.8932% | 3,856 |
| Assets per employee ($millions) | 5.3453% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 4,181 |
| Loan loss allowance to noncurrent loans | 366.9829% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 2.4207% | 1,333 |
| Noncurrent loans to loans | 0.3512% | 5,064 |
| Net loans and leases to total assets | 60.2390% | 3,526 |
| Net loans and leases to deposits | 68.5331% | 3,796 |
| Net loans and leases to core deposits | 75.6829% | 3,443 |
| Total domestic deposits to total assets | 87.8977% | 2,290 |
| Equity capital to assets | 10.3753% | 3,363 |
| Core capital (leverage) ratio | 10.1344% | 3,379 |
| Tier 1 risk-based capital ratio | 15.8225% | 3,260 |
| Total risk-based capital ratio | 17.0725% | 3,224 |
| Memoranda: | ||
| Average total assets | $483,754,000 | 1,395 |
| Average earning assets | $423,860,500 | 1,461 |
| Average equity | $50,552,500 | 1,435 |
| Average total loans | $299,612,000 | 1,442 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 3,559 |
| Cost of funding earning assets | 0.5324% | 3,267 |
| Net interest margin | 3.6125% | 3,408 |
| Noninterest income to average assets | 0.4870% | 3,841 |
| Noninterest expense to average assets | 2.7503% | 3,910 |
| Loan and lease loss provision to assets | 0.0202% | 4,733 |
| Net operating income to assets | 0.5794% | 4,360 |
| Return on assets (ROA) | 0.6116% | 4,327 |
| Pretax return on assets | 0.9250% | 3,664 |
| Return on Equity (ROE) | 5.9545% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.9545% | 2,005 |
| Net charge-offs to loans | 0.1418% | 3,390 |
| Credit loss provision to net charge-offs | 23.0952% | 4,386 |
| Earnings coverage of net charge-offs (x) | 10.2429% | 2,400 |
| Efficiency ratio | 74.8243% | 2,982 |
| Assets per employee ($millions) | 4.8545% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 4,137 |
| Loan loss allowance to noncurrent loans | 354.5537% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6132% | 1,297 |
| Noncurrent loans to loans | 0.3671% | 5,086 |
| Net loans and leases to total assets | 62.0563% | 3,354 |
| Net loans and leases to deposits | 70.7070% | 3,695 |
| Net loans and leases to core deposits | 77.6854% | 3,406 |
| Total domestic deposits to total assets | 87.7654% | 2,326 |
| Equity capital to assets | 10.5273% | 3,115 |
| Core capital (leverage) ratio | 10.1011% | 3,430 |
| Tier 1 risk-based capital ratio | 15.4580% | 3,400 |
| Total risk-based capital ratio | 16.7083% | 3,348 |
| Memoranda: | ||
| Average total assets | $479,913,000 | 1,384 |
| Average earning assets | $419,765,400 | 1,452 |
| Average equity | $49,290,200 | 1,430 |
| Average total loans | $296,289,200 | 1,420 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 3,723 |
| Cost of funding earning assets | 0.5519% | 3,243 |
| Net interest margin | 3.5567% | 3,627 |
| Noninterest income to average assets | 0.5367% | 3,546 |
| Noninterest expense to average assets | 2.7162% | 3,960 |
| Loan and lease loss provision to assets | 0.0269% | 4,471 |
| Net operating income to assets | 0.5863% | 4,408 |
| Return on assets (ROA) | 0.6285% | 4,348 |
| Pretax return on assets | 0.9708% | 3,611 |
| Return on Equity (ROE) | 6.1570% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.1570% | 2,313 |
| Net charge-offs to loans | 0.1673% | 2,885 |
| Credit loss provision to net charge-offs | 26.1456% | 3,966 |
| Earnings coverage of net charge-offs (x) | 9.0702% | 2,529 |
| Efficiency ratio | 73.8433% | 3,097 |
| Assets per employee ($millions) | 4.9459% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,313 |
| Loan loss allowance to noncurrent loans | 142.0029% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 2.9461% | 1,256 |
| Noncurrent loans to loans | 0.9256% | 3,966 |
| Net loans and leases to total assets | 62.3368% | 3,301 |
| Net loans and leases to deposits | 71.0897% | 3,627 |
| Net loans and leases to core deposits | 78.1422% | 3,344 |
| Total domestic deposits to total assets | 87.6875% | 2,302 |
| Equity capital to assets | 10.4515% | 3,340 |
| Core capital (leverage) ratio | 9.9618% | 3,728 |
| Tier 1 risk-based capital ratio | 15.1886% | 3,638 |
| Total risk-based capital ratio | 16.4389% | 3,593 |
| Memoranda: | ||
| Average total assets | $480,955,750 | 1,386 |
| Average earning assets | $420,867,000 | 1,459 |
| Average equity | $49,092,000 | 1,450 |
| Average total loans | $295,581,250 | 1,427 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 3,962 |
| Cost of funding earning assets | 0.5720% | 3,199 |
| Net interest margin | 3.4673% | 3,937 |
| Noninterest income to average assets | 0.5412% | 3,558 |
| Noninterest expense to average assets | 2.7130% | 3,983 |
| Loan and lease loss provision to assets | 0.0195% | 4,507 |
| Net operating income to assets | 0.5481% | 4,560 |
| Return on assets (ROA) | 0.6070% | 4,424 |
| Pretax return on assets | 0.9362% | 3,761 |
| Return on Equity (ROE) | 5.9941% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.9941% | 2,446 |
| Net charge-offs to loans | 0.1863% | 2,631 |
| Credit loss provision to net charge-offs | 17.1533% | 3,789 |
| Earnings coverage of net charge-offs (x) | 7.6241% | 2,522 |
| Efficiency ratio | 75.2228% | 2,907 |
| Assets per employee ($millions) | 5.1274% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 4,278 |
| Loan loss allowance to noncurrent loans | 351.7637% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 2.6284% | 1,592 |
| Noncurrent loans to loans | 0.3832% | 5,319 |
| Net loans and leases to total assets | 60.5730% | 3,567 |
| Net loans and leases to deposits | 68.7983% | 3,891 |
| Net loans and leases to core deposits | 75.4830% | 3,611 |
| Total domestic deposits to total assets | 88.0443% | 2,213 |
| Equity capital to assets | 10.1680% | 3,700 |
| Core capital (leverage) ratio | 9.6549% | 4,005 |
| Tier 1 risk-based capital ratio | 14.9716% | 3,798 |
| Total risk-based capital ratio | 16.2223% | 3,761 |
| Memoranda: | ||
| Average total assets | $483,006,670 | 1,379 |
| Average earning assets | $423,041,000 | 1,450 |
| Average equity | $48,914,670 | 1,460 |
| Average total loans | $294,135,330 | 1,434 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 4,026 |
| Cost of funding earning assets | 0.5904% | 3,199 |
| Net interest margin | 3.4321% | 3,997 |
| Noninterest income to average assets | 0.8198% | 2,049 |
| Noninterest expense to average assets | 3.0898% | 2,711 |
| Loan and lease loss provision to assets | 0.0389% | 3,944 |
| Net operating income to assets | 0.4558% | 4,886 |
| Return on assets (ROA) | 0.4988% | 4,827 |
| Pretax return on assets | 0.7627% | 4,318 |
| Return on Equity (ROE) | 4.9357% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.9357% | 3,272 |
| Net charge-offs to loans | 0.2319% | 2,052 |
| Credit loss provision to net charge-offs | 27.6471% | 2,920 |
| Earnings coverage of net charge-offs (x) | 5.2294% | 2,390 |
| Efficiency ratio | 80.2119% | 2,307 |
| Assets per employee ($millions) | 5.3337% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 4,125 |
| Loan loss allowance to noncurrent loans | 218.3467% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 2.9374% | 1,535 |
| Noncurrent loans to loans | 0.6509% | 4,821 |
| Net loans and leases to total assets | 58.5062% | 3,702 |
| Net loans and leases to deposits | 66.4048% | 4,000 |
| Net loans and leases to core deposits | 72.2458% | 3,788 |
| Total domestic deposits to total assets | 88.1054% | 2,256 |
| Equity capital to assets | 10.1272% | 3,980 |
| Core capital (leverage) ratio | 9.3850% | 4,265 |
| Tier 1 risk-based capital ratio | 14.8561% | 3,935 |
| Total risk-based capital ratio | 16.1072% | 3,897 |
| Memoranda: | ||
| Average total assets | $483,524,000 | 1,388 |
| Average earning assets | $423,415,500 | 1,459 |
| Average equity | $48,868,500 | 1,481 |
| Average total loans | $293,236,000 | 1,444 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 4,145 |
| Cost of funding earning assets | 0.7324% | 3,231 |
| Net interest margin | 3.5806% | 4,179 |
| Noninterest income to average assets | 0.2180% | 5,869 |
| Noninterest expense to average assets | 2.7854% | 4,080 |
| Loan and lease loss provision to assets | 0.1333% | 3,961 |
| Net operating income to assets | 0.2624% | 5,595 |
| Return on assets (ROA) | 0.2952% | 5,694 |
| Pretax return on assets | 0.4342% | 5,466 |
| Return on Equity (ROE) | 3.1426% | 5,498 |
| Retained earnings to average equity (ytd only) | 3.1426% | 4,025 |
| Net charge-offs to loans | 0.2625% | 3,366 |
| Credit loss provision to net charge-offs | 82.0707% | 3,764 |
| Earnings coverage of net charge-offs (x) | 3.1970% | 3,836 |
| Efficiency ratio | 83.6385% | 1,670 |
| Assets per employee ($millions) | 5.0704% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,112 |
| Loan loss allowance to noncurrent loans | 78.5728% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 3.4228% | 1,333 |
| Noncurrent loans to loans | 1.7985% | 2,919 |
| Net loans and leases to total assets | 61.0759% | 3,403 |
| Net loans and leases to deposits | 69.2219% | 3,807 |
| Net loans and leases to core deposits | 75.9174% | 3,545 |
| Total domestic deposits to total assets | 88.2321% | 2,077 |
| Equity capital to assets | 10.0861% | 4,053 |
| Core capital (leverage) ratio | 9.3579% | 4,325 |
| Tier 1 risk-based capital ratio | 14.2763% | 4,183 |
| Total risk-based capital ratio | 15.5274% | 4,137 |
| Memoranda: | ||
| Average total assets | $487,514,200 | 1,366 |
| Average earning assets | $420,265,200 | 1,431 |
| Average equity | $45,789,800 | 1,518 |
| Average total loans | $301,673,400 | 1,392 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 4,157 |
| Cost of funding earning assets | 0.7604% | 3,270 |
| Net interest margin | 3.6139% | 4,174 |
| Noninterest income to average assets | 0.3329% | 5,140 |
| Noninterest expense to average assets | 2.7731% | 4,081 |
| Loan and lease loss provision to assets | 0.1554% | 3,577 |
| Net operating income to assets | 0.3426% | 5,462 |
| Return on assets (ROA) | 0.3428% | 5,665 |
| Pretax return on assets | 0.5058% | 5,450 |
| Return on Equity (ROE) | 3.7168% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.7168% | 4,271 |
| Net charge-offs to loans | 0.2160% | 3,431 |
| Credit loss provision to net charge-offs | 116.3265% | 2,500 |
| Earnings coverage of net charge-offs (x) | 4.9469% | 3,157 |
| Efficiency ratio | 80.1334% | 2,078 |
| Assets per employee ($millions) | 5.1802% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 4,178 |
| Loan loss allowance to noncurrent loans | 93.6696% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 3.9748% | 1,216 |
| Noncurrent loans to loans | 1.5419% | 3,478 |
| Net loans and leases to total assets | 62.2066% | 3,345 |
| Net loans and leases to deposits | 70.1466% | 3,876 |
| Net loans and leases to core deposits | 78.5909% | 3,377 |
| Total domestic deposits to total assets | 88.6809% | 1,604 |
| Equity capital to assets | 9.4923% | 5,215 |
| Core capital (leverage) ratio | 8.7156% | 5,452 |
| Tier 1 risk-based capital ratio | 12.8950% | 5,333 |
| Total risk-based capital ratio | 14.1465% | 5,294 |
| Memoranda: | ||
| Average total assets | $488,971,750 | 1,376 |
| Average earning assets | $419,589,250 | 1,447 |
| Average equity | $45,091,500 | 1,560 |
| Average total loans | $302,489,250 | 1,399 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 4,160 |
| Cost of funding earning assets | 0.7915% | 3,259 |
| Net interest margin | 3.6159% | 4,195 |
| Noninterest income to average assets | 0.3006% | 5,402 |
| Noninterest expense to average assets | 2.7550% | 4,200 |
| Loan and lease loss provision to assets | 0.1307% | 3,892 |
| Net operating income to assets | 0.3485% | 5,434 |
| Return on assets (ROA) | 0.3488% | 5,659 |
| Pretax return on assets | 0.5089% | 5,414 |
| Return on Equity (ROE) | 3.8198% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.8198% | 4,073 |
| Net charge-offs to loans | 0.2579% | 3,032 |
| Credit loss provision to net charge-offs | 82.4742% | 3,256 |
| Earnings coverage of net charge-offs (x) | 4.0335% | 3,191 |
| Efficiency ratio | 80.5415% | 2,094 |
| Assets per employee ($millions) | 4.9916% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,486 |
| Loan loss allowance to noncurrent loans | 82.7101% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 4.2725% | 1,167 |
| Noncurrent loans to loans | 1.6870% | 3,366 |
| Net loans and leases to total assets | 61.9910% | 3,438 |
| Net loans and leases to deposits | 69.6927% | 3,942 |
| Net loans and leases to core deposits | 78.3472% | 3,462 |
| Total domestic deposits to total assets | 88.9490% | 1,539 |
| Equity capital to assets | 9.2819% | 5,350 |
| Core capital (leverage) ratio | 8.6027% | 5,516 |
| Tier 1 risk-based capital ratio | 12.7122% | 5,411 |
| Total risk-based capital ratio | 13.9631% | 5,378 |
| Memoranda: | ||
| Average total assets | $489,649,000 | 1,376 |
| Average earning assets | $418,927,000 | 1,454 |
| Average equity | $44,714,670 | 1,561 |
| Average total loans | $300,869,670 | 1,412 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 4,294 |
| Cost of funding earning assets | 0.8109% | 3,382 |
| Net interest margin | 3.5978% | 4,283 |
| Noninterest income to average assets | 0.5618% | 3,484 |
| Noninterest expense to average assets | 2.8709% | 3,741 |
| Loan and lease loss provision to assets | 0.2450% | 2,505 |
| Net operating income to assets | 0.3405% | 5,511 |
| Return on assets (ROA) | 0.3405% | 5,689 |
| Pretax return on assets | 0.5144% | 5,377 |
| Return on Equity (ROE) | 3.7593% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.7593% | 4,332 |
| Net charge-offs to loans | 0.4396% | 1,994 |
| Credit loss provision to net charge-offs | 91.7431% | 2,516 |
| Earnings coverage of net charge-offs (x) | 2.8440% | 3,047 |
| Efficiency ratio | 78.4975% | 2,428 |
| Assets per employee ($millions) | 5.4787% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,312 |
| Loan loss allowance to noncurrent loans | 119.3717% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 4.2675% | 1,273 |
| Noncurrent loans to loans | 1.2277% | 4,287 |
| Net loans and leases to total assets | 59.0713% | 3,841 |
| Net loans and leases to deposits | 66.1710% | 4,351 |
| Net loans and leases to core deposits | 74.4025% | 3,849 |
| Total domestic deposits to total assets | 89.2707% | 1,500 |
| Equity capital to assets | 9.0393% | 5,435 |
| Core capital (leverage) ratio | 8.5143% | 5,569 |
| Tier 1 risk-based capital ratio | 12.8474% | 5,327 |
| Total risk-based capital ratio | 14.0987% | 5,304 |
| Memoranda: | ||
| Average total assets | $489,885,500 | 1,374 |
| Average earning assets | $417,806,500 | 1,460 |
| Average equity | $44,369,500 | 1,565 |
| Average total loans | $297,536,500 | 1,428 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 4,673 |
| Cost of funding earning assets | 1.0740% | 2,850 |
| Net interest margin | 3.5275% | 5,034 |
| Noninterest income to average assets | 0.4682% | 4,072 |
| Noninterest expense to average assets | 3.0277% | 3,493 |
| Loan and lease loss provision to assets | 0.4840% | 2,182 |
| Net operating income to assets | -0.0083% | 6,056 |
| Return on assets (ROA) | 0.0907% | 6,000 |
| Pretax return on assets | 0.1246% | 5,931 |
| Return on Equity (ROE) | 1.0090% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.0090% | 5,394 |
| Net charge-offs to loans | 0.8194% | 2,111 |
| Credit loss provision to net charge-offs | 94.3577% | 3,822 |
| Earnings coverage of net charge-offs (x) | 0.9220% | 5,112 |
| Efficiency ratio | 85.8801% | 1,581 |
| Assets per employee ($millions) | 4.7715% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,209 |
| Loan loss allowance to noncurrent loans | 75.7560% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 4.5881% | 1,191 |
| Noncurrent loans to loans | 1.9214% | 3,311 |
| Net loans and leases to total assets | 60.6367% | 3,862 |
| Net loans and leases to deposits | 68.0185% | 4,449 |
| Net loans and leases to core deposits | 75.9777% | 3,985 |
| Total domestic deposits to total assets | 89.1473% | 1,450 |
| Equity capital to assets | 9.0751% | 5,454 |
| Core capital (leverage) ratio | 8.4144% | 5,695 |
| Tier 1 risk-based capital ratio | 12.5222% | 5,424 |
| Total risk-based capital ratio | 13.7734% | 5,416 |
| Memoranda: | ||
| Average total assets | $487,171,800 | 1,371 |
| Average earning assets | $418,795,400 | 1,432 |
| Average equity | $43,803,800 | 1,544 |
| Average total loans | $304,964,600 | 1,391 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 4,783 |
| Cost of funding earning assets | 1.1394% | 2,702 |
| Net interest margin | 3.4818% | 5,259 |
| Noninterest income to average assets | 0.4835% | 4,012 |
| Noninterest expense to average assets | 3.0784% | 3,239 |
| Loan and lease loss provision to assets | 0.5877% | 1,677 |
| Net operating income to assets | -0.1068% | 6,291 |
| Return on assets (ROA) | 0.0079% | 6,245 |
| Pretax return on assets | -0.0044% | 6,237 |
| Return on Equity (ROE) | 0.0885% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.0885% | 5,927 |
| Net charge-offs to loans | 0.9967% | 1,616 |
| Credit loss provision to net charge-offs | 93.7991% | 3,633 |
| Earnings coverage of net charge-offs (x) | 0.6450% | 5,139 |
| Efficiency ratio | 87.7828% | 1,363 |
| Assets per employee ($millions) | 4.7344% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 4,362 |
| Loan loss allowance to noncurrent loans | 52.0420% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 5.1582% | 1,115 |
| Noncurrent loans to loans | 2.7707% | 2,512 |
| Net loans and leases to total assets | 61.6850% | 3,802 |
| Net loans and leases to deposits | 69.3963% | 4,404 |
| Net loans and leases to core deposits | 77.2548% | 4,012 |
| Total domestic deposits to total assets | 88.8881% | 1,492 |
| Equity capital to assets | 9.1194% | 5,616 |
| Core capital (leverage) ratio | 8.2501% | 6,056 |
| Tier 1 risk-based capital ratio | 12.3441% | 5,626 |
| Total risk-based capital ratio | 13.5953% | 5,607 |
| Memoranda: | ||
| Average total assets | $487,291,750 | 1,373 |
| Average earning assets | $419,729,500 | 1,444 |
| Average equity | $43,712,750 | 1,553 |
| Average total loans | $306,337,500 | 1,398 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 5,019 |
| Cost of funding earning assets | 1.1879% | 2,659 |
| Net interest margin | 3.3997% | 5,557 |
| Noninterest income to average assets | 0.4628% | 4,163 |
| Noninterest expense to average assets | 3.1337% | 3,131 |
| Loan and lease loss provision to assets | 0.5434% | 1,789 |
| Net operating income to assets | -0.1695% | 6,443 |
| Return on assets (ROA) | -0.1072% | 6,412 |
| Pretax return on assets | -0.1833% | 6,442 |
| Return on Equity (ROE) | -1.2017% | 6,424 |
| Retained earnings to average equity (ytd only) | -1.2017% | 6,090 |
| Net charge-offs to loans | 1.3682% | 1,107 |
| Credit loss provision to net charge-offs | 63.0879% | 4,271 |
| Earnings coverage of net charge-offs (x) | 0.3050% | 5,083 |
| Efficiency ratio | 91.6386% | 1,117 |
| Assets per employee ($millions) | 4.6820% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 5,491 |
| Loan loss allowance to noncurrent loans | 36.1281% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 5.2767% | 1,150 |
| Noncurrent loans to loans | 3.3601% | 2,116 |
| Net loans and leases to total assets | 61.6276% | 3,967 |
| Net loans and leases to deposits | 69.5273% | 4,494 |
| Net loans and leases to core deposits | 77.1600% | 4,168 |
| Total domestic deposits to total assets | 88.6380% | 1,757 |
| Equity capital to assets | 8.8832% | 5,730 |
| Core capital (leverage) ratio | 8.1878% | 6,053 |
| Tier 1 risk-based capital ratio | 12.1611% | 5,654 |
| Total risk-based capital ratio | 13.3013% | 5,712 |
| Memoranda: | ||
| Average total assets | $488,754,000 | 1,375 |
| Average earning assets | $421,744,670 | 1,448 |
| Average equity | $43,604,330 | 1,542 |
| Average total loans | $307,704,000 | 1,409 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 5,224 |
| Cost of funding earning assets | 1.2275% | 2,642 |
| Net interest margin | 3.3078% | 5,749 |
| Noninterest income to average assets | 0.4826% | 4,026 |
| Noninterest expense to average assets | 2.8523% | 4,260 |
| Loan and lease loss provision to assets | 0.1724% | 3,908 |
| Net operating income to assets | 0.2159% | 5,731 |
| Return on assets (ROA) | 0.2159% | 5,794 |
| Pretax return on assets | 0.3201% | 5,595 |
| Return on Equity (ROE) | 2.4144% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.4144% | 4,700 |
| Net charge-offs to loans | 1.5885% | 852 |
| Credit loss provision to net charge-offs | 17.1569% | 4,293 |
| Earnings coverage of net charge-offs (x) | 0.4902% | 4,251 |
| Efficiency ratio | 84.6380% | 1,879 |
| Assets per employee ($millions) | 4.9971% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,881 |
| Loan loss allowance to noncurrent loans | 30.3579% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 5.0902% | 1,235 |
| Noncurrent loans to loans | 3.7612% | 1,960 |
| Net loans and leases to total assets | 61.0075% | 4,077 |
| Net loans and leases to deposits | 69.7887% | 4,375 |
| Net loans and leases to core deposits | 76.2962% | 4,264 |
| Total domestic deposits to total assets | 87.4174% | 2,703 |
| Equity capital to assets | 8.8404% | 5,429 |
| Core capital (leverage) ratio | 8.3406% | 5,726 |
| Tier 1 risk-based capital ratio | 12.1596% | 5,544 |
| Total risk-based capital ratio | 13.2141% | 5,717 |
| Memoranda: | ||
| Average total assets | $487,325,500 | 1,383 |
| Average earning assets | $421,667,000 | 1,455 |
| Average equity | $43,571,000 | 1,529 |
| Average total loans | $308,210,500 | 1,416 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 4,502 |
| Cost of funding earning assets | 1.5614% | 2,294 |
| Net interest margin | 3.4503% | 5,431 |
| Noninterest income to average assets | 0.5228% | 4,006 |
| Noninterest expense to average assets | 2.8913% | 4,264 |
| Loan and lease loss provision to assets | 0.6910% | 2,381 |
| Net operating income to assets | -0.0405% | 5,913 |
| Return on assets (ROA) | -0.0231% | 5,989 |
| Pretax return on assets | -0.0486% | 5,955 |
| Return on Equity (ROE) | -0.2569% | 5,996 |
| Retained earnings to average equity (ytd only) | -0.2569% | 5,660 |
| Net charge-offs to loans | 1.3907% | 1,603 |
| Credit loss provision to net charge-offs | 74.8272% | 5,739 |
| Earnings coverage of net charge-offs (x) | 0.6662% | 5,444 |
| Efficiency ratio | 81.8438% | 2,187 |
| Assets per employee ($millions) | 4.6596% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 4,302 |
| Loan loss allowance to noncurrent loans | 50.6529% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 4.0424% | 1,677 |
| Noncurrent loans to loans | 2.8555% | 2,667 |
| Net loans and leases to total assets | 63.8880% | 3,898 |
| Net loans and leases to deposits | 73.2782% | 4,314 |
| Net loans and leases to core deposits | 80.1600% | 4,187 |
| Total domestic deposits to total assets | 87.1856% | 2,722 |
| Equity capital to assets | 9.0443% | 5,078 |
| Core capital (leverage) ratio | 8.2628% | 5,735 |
| Tier 1 risk-based capital ratio | 11.8495% | 5,617 |
| Total risk-based capital ratio | 13.1007% | 5,605 |
| Memoranda: | ||
| Average total assets | $485,667,400 | 1,378 |
| Average earning assets | $419,998,200 | 1,443 |
| Average equity | $43,592,200 | 1,525 |
| Average total loans | $322,497,200 | 1,388 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 4,780 |
| Cost of funding earning assets | 1.6064% | 2,354 |
| Net interest margin | 3.4011% | 5,679 |
| Noninterest income to average assets | 0.5234% | 4,001 |
| Noninterest expense to average assets | 2.8385% | 4,320 |
| Loan and lease loss provision to assets | 0.8994% | 1,691 |
| Net operating income to assets | -0.1715% | 6,280 |
| Return on assets (ROA) | -0.1547% | 6,335 |
| Pretax return on assets | -0.2472% | 6,359 |
| Return on Equity (ROE) | -1.7263% | 6,368 |
| Retained earnings to average equity (ytd only) | -1.7263% | 6,146 |
| Net charge-offs to loans | 1.2975% | 1,571 |
| Credit loss provision to net charge-offs | 103.7903% | 4,131 |
| Earnings coverage of net charge-offs (x) | 0.7224% | 5,333 |
| Efficiency ratio | 81.3147% | 2,151 |
| Assets per employee ($millions) | 4.8938% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 2,699 |
| Loan loss allowance to noncurrent loans | 54.7367% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 4.3055% | 1,580 |
| Noncurrent loans to loans | 3.3361% | 2,383 |
| Net loans and leases to total assets | 62.5322% | 4,423 |
| Net loans and leases to deposits | 73.4707% | 4,597 |
| Net loans and leases to core deposits | 81.1534% | 4,365 |
| Total domestic deposits to total assets | 85.1117% | 3,566 |
| Equity capital to assets | 8.8204% | 5,822 |
| Core capital (leverage) ratio | 8.1792% | 6,073 |
| Tier 1 risk-based capital ratio | 11.6085% | 5,822 |
| Total risk-based capital ratio | 12.8641% | 5,805 |
| Memoranda: | ||
| Average total assets | $487,100,500 | 1,396 |
| Average earning assets | $421,220,250 | 1,456 |
| Average equity | $43,638,500 | 1,527 |
| Average total loans | $325,341,250 | 1,392 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 4,642 |
| Cost of funding earning assets | 1.6580% | 2,339 |
| Net interest margin | 3.4067% | 5,616 |
| Noninterest income to average assets | 0.5022% | 4,101 |
| Noninterest expense to average assets | 2.8025% | 4,469 |
| Loan and lease loss provision to assets | 1.3080% | 1,046 |
| Net operating income to assets | -0.4112% | 6,578 |
| Return on assets (ROA) | -0.3866% | 6,593 |
| Pretax return on assets | -0.6144% | 6,671 |
| Return on Equity (ROE) | -4.2930% | 6,637 |
| Retained earnings to average equity (ytd only) | -4.2930% | 6,474 |
| Net charge-offs to loans | 1.3745% | 1,384 |
| Credit loss provision to net charge-offs | 140.2655% | 2,857 |
| Earnings coverage of net charge-offs (x) | 0.7027% | 5,040 |
| Efficiency ratio | 80.4296% | 2,384 |
| Assets per employee ($millions) | 4.7451% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 2,120 |
| Loan loss allowance to noncurrent loans | 54.3061% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 4.1898% | 1,611 |
| Noncurrent loans to loans | 3.7299% | 2,089 |
| Net loans and leases to total assets | 65.9944% | 3,831 |
| Net loans and leases to deposits | 78.5139% | 3,884 |
| Net loans and leases to core deposits | 86.8595% | 3,722 |
| Total domestic deposits to total assets | 84.0543% | 4,083 |
| Equity capital to assets | 8.9774% | 5,486 |
| Core capital (leverage) ratio | 8.1576% | 6,022 |
| Tier 1 risk-based capital ratio | 11.4511% | 5,823 |
| Total risk-based capital ratio | 12.7095% | 5,786 |
| Memoranda: | ||
| Average total assets | $484,709,000 | 1,414 |
| Average earning assets | $420,518,670 | 1,475 |
| Average equity | $43,652,330 | 1,524 |
| Average total loans | $328,845,000 | 1,388 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 4,305 |
| Cost of funding earning assets | 1.7376% | 2,196 |
| Net interest margin | 3.4111% | 5,537 |
| Noninterest income to average assets | 0.5047% | 4,016 |
| Noninterest expense to average assets | 2.8984% | 4,069 |
| Loan and lease loss provision to assets | 0.0821% | 5,818 |
| Net operating income to assets | 0.3080% | 5,268 |
| Return on assets (ROA) | 0.3200% | 5,341 |
| Pretax return on assets | 0.5071% | 4,936 |
| Return on Equity (ROE) | 3.5482% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.5482% | 4,023 |
| Net charge-offs to loans | 1.6839% | 1,027 |
| Credit loss provision to net charge-offs | 7.1582% | 5,081 |
| Earnings coverage of net charge-offs (x) | 0.4975% | 4,584 |
| Efficiency ratio | 82.9430% | 2,148 |
| Assets per employee ($millions) | 4.6200% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 4,848 |
| Loan loss allowance to noncurrent loans | 57.1730% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 3.2154% | 2,233 |
| Noncurrent loans to loans | 2.3001% | 3,384 |
| Net loans and leases to total assets | 67.0127% | 3,631 |
| Net loans and leases to deposits | 81.2167% | 3,423 |
| Net loans and leases to core deposits | 89.1618% | 3,476 |
| Total domestic deposits to total assets | 82.5110% | 4,843 |
| Equity capital to assets | 9.0986% | 5,138 |
| Core capital (leverage) ratio | 8.3697% | 5,609 |
| Tier 1 risk-based capital ratio | 11.5192% | 5,655 |
| Total risk-based capital ratio | 12.7568% | 5,646 |
| Memoranda: | ||
| Average total assets | $487,434,000 | 1,439 |
| Average earning assets | $423,563,000 | 1,511 |
| Average equity | $43,966,000 | 1,527 |
| Average total loans | $331,856,000 | 1,415 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 5,278 |
| Cost of funding earning assets | 2.2786% | 1,736 |
| Net interest margin | 3.0034% | 6,641 |
| Noninterest income to average assets | 0.4589% | 4,726 |
| Noninterest expense to average assets | 3.3140% | 2,968 |
| Loan and lease loss provision to assets | 0.9723% | 2,322 |
| Net operating income to assets | -0.7680% | 6,417 |
| Return on assets (ROA) | -0.6265% | 6,291 |
| Pretax return on assets | -0.9980% | 6,407 |
| Return on Equity (ROE) | -7.1911% | 6,399 |
| Retained earnings to average equity (ytd only) | -7.1911% | 6,257 |
| Net charge-offs to loans | 0.8793% | 2,640 |
| Credit loss provision to net charge-offs | 158.5429% | 2,828 |
| Earnings coverage of net charge-offs (x) | -0.4023% | 6,630 |
| Efficiency ratio | 107.3735% | 860 |
| Assets per employee ($millions) | 4.4123% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 2,945 |
| Loan loss allowance to noncurrent loans | 95.6987% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 3.0164% | 2,318 |
| Noncurrent loans to loans | 1.7595% | 3,997 |
| Net loans and leases to total assets | 67.1078% | 3,899 |
| Net loans and leases to deposits | 81.3183% | 3,733 |
| Net loans and leases to core deposits | 115.3253% | 2,383 |
| Total domestic deposits to total assets | 82.5248% | 4,735 |
| Equity capital to assets | 8.9419% | 5,230 |
| Core capital (leverage) ratio | 8.1488% | 5,907 |
| Tier 1 risk-based capital ratio | 11.0628% | 5,861 |
| Total risk-based capital ratio | 12.3167% | 5,821 |
| Memoranda: | ||
| Average total assets | $505,825,000 | 1,361 |
| Average earning assets | $439,306,200 | 1,438 |
| Average equity | $44,068,600 | 1,517 |
| Average total loans | $352,765,400 | 1,367 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3108% | 5,368 |
| Cost of funding earning assets | 2.3854% | 1,681 |
| Net interest margin | 2.9254% | 6,791 |
| Noninterest income to average assets | 0.4325% | 5,025 |
| Noninterest expense to average assets | 2.7799% | 4,974 |
| Loan and lease loss provision to assets | 0.5212% | 3,303 |
| Net operating income to assets | -0.2065% | 6,072 |
| Return on assets (ROA) | -0.0306% | 5,824 |
| Pretax return on assets | -0.0534% | 5,783 |
| Return on Equity (ROE) | -0.3534% | 5,837 |
| Retained earnings to average equity (ytd only) | -0.3534% | 5,305 |
| Net charge-offs to loans | 1.0054% | 1,958 |
| Credit loss provision to net charge-offs | 73.9518% | 5,905 |
| Earnings coverage of net charge-offs (x) | 0.2738% | 5,734 |
| Efficiency ratio | 92.8220% | 1,476 |
| Assets per employee ($millions) | 4.4696% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,721 |
| Loan loss allowance to noncurrent loans | 114.6279% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 2.7637% | 2,511 |
| Noncurrent loans to loans | 0.7942% | 5,709 |
| Net loans and leases to total assets | 67.6440% | 4,037 |
| Net loans and leases to deposits | 82.0743% | 4,009 |
| Net loans and leases to core deposits | 117.2889% | 2,492 |
| Total domestic deposits to total assets | 82.4179% | 4,489 |
| Equity capital to assets | 9.0629% | 5,396 |
| Core capital (leverage) ratio | 8.2621% | 5,899 |
| Tier 1 risk-based capital ratio | 11.4795% | 5,452 |
| Total risk-based capital ratio | 12.3414% | 5,816 |
| Memoranda: | ||
| Average total assets | $509,840,500 | 1,369 |
| Average earning assets | $442,735,750 | 1,438 |
| Average equity | $44,137,250 | 1,539 |
| Average total loans | $357,382,250 | 1,366 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 5,715 |
| Cost of funding earning assets | 2.4491% | 1,779 |
| Net interest margin | 2.8372% | 6,941 |
| Noninterest income to average assets | 0.4028% | 5,259 |
| Noninterest expense to average assets | 2.6320% | 5,612 |
| Loan and lease loss provision to assets | 1.6174% | 1,040 |
| Net operating income to assets | -0.8593% | 6,869 |
| Return on assets (ROA) | -0.7081% | 6,760 |
| Pretax return on assets | -1.1241% | 6,892 |
| Return on Equity (ROE) | -8.3061% | 6,919 |
| Retained earnings to average equity (ytd only) | -8.3061% | 6,706 |
| Net charge-offs to loans | 0.4528% | 3,015 |
| Credit loss provision to net charge-offs | 505.2375% | 909 |
| Earnings coverage of net charge-offs (x) | 0.8027% | 4,932 |
| Efficiency ratio | 90.4036% | 1,772 |
| Assets per employee ($millions) | 4.5992% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9850% | 1,601 |
| Loan loss allowance to noncurrent loans | 72.4680% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 3.1991% | 1,960 |
| Noncurrent loans to loans | 2.7392% | 2,630 |
| Net loans and leases to total assets | 69.0678% | 3,928 |
| Net loans and leases to deposits | 83.2737% | 4,003 |
| Net loans and leases to core deposits | 119.8724% | 2,385 |
| Total domestic deposits to total assets | 82.9407% | 4,269 |
| Equity capital to assets | 8.5911% | 5,912 |
| Core capital (leverage) ratio | 7.8276% | 6,579 |
| Tier 1 risk-based capital ratio | 10.3196% | 6,570 |
| Total risk-based capital ratio | 11.5771% | 6,502 |
| Memoranda: | ||
| Average total assets | $512,924,000 | 1,376 |
| Average earning assets | $449,463,000 | 1,439 |
| Average equity | $43,727,000 | 1,558 |
| Average total loans | $362,599,670 | 1,380 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 5,477 |
| Cost of funding earning assets | 2.5701% | 1,656 |
| Net interest margin | 2.8205% | 6,952 |
| Noninterest income to average assets | 0.3976% | 5,228 |
| Noninterest expense to average assets | 2.6274% | 5,338 |
| Loan and lease loss provision to assets | 0.5127% | 2,418 |
| Net operating income to assets | -0.1986% | 6,553 |
| Return on assets (ROA) | 0.1362% | 6,038 |
| Pretax return on assets | 0.1914% | 5,960 |
| Return on Equity (ROE) | 1.6033% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.6033% | 4,952 |
| Net charge-offs to loans | 0.6868% | 1,809 |
| Credit loss provision to net charge-offs | 105.4400% | 3,600 |
| Earnings coverage of net charge-offs (x) | 0.4784% | 4,603 |
| Efficiency ratio | 91.1589% | 1,636 |
| Assets per employee ($millions) | 4.7803% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 5,576 |
| Loan loss allowance to noncurrent loans | 106.4142% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 2.1469% | 2,680 |
| Noncurrent loans to loans | 1.0200% | 4,957 |
| Net loans and leases to total assets | 67.9374% | 4,155 |
| Net loans and leases to deposits | 82.0114% | 4,282 |
| Net loans and leases to core deposits | 118.3706% | 2,561 |
| Total domestic deposits to total assets | 82.8390% | 4,223 |
| Equity capital to assets | 8.8499% | 5,551 |
| Core capital (leverage) ratio | 8.0927% | 6,302 |
| Tier 1 risk-based capital ratio | 11.0070% | 5,904 |
| Total risk-based capital ratio | 12.0240% | 6,023 |
| Memoranda: | ||
| Average total assets | $514,129,000 | 1,381 |
| Average earning assets | $448,857,000 | 1,443 |
| Average equity | $43,661,000 | 1,563 |
| Average total loans | $364,028,500 | 1,385 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9980% | 5,553 |
| Cost of funding earning assets | 2.6479% | 3,444 |
| Net interest margin | 3.3501% | 5,863 |
| Noninterest income to average assets | 0.6463% | 3,500 |
| Noninterest expense to average assets | 2.6950% | 5,292 |
| Loan and lease loss provision to assets | 0.1044% | 6,045 |
| Net operating income to assets | 0.5229% | 4,639 |
| Return on assets (ROA) | 0.5351% | 4,445 |
| Pretax return on assets | 0.7983% | 4,083 |
| Return on Equity (ROE) | 6.0768% | 3,911 |
| Retained earnings to average equity (ytd only) | 1.7517% | 4,155 |
| Net charge-offs to loans | 0.1172% | 5,090 |
| Credit loss provision to net charge-offs | 139.7959% | 3,798 |
| Earnings coverage of net charge-offs (x) | 11.8469% | 2,322 |
| Efficiency ratio | 74.1860% | 3,539 |
| Assets per employee ($millions) | 4.5918% | 2,486 |
| Cash dividends to net income (ytd only)* | 71.1744% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7950% | 7,125 |
| Loan loss allowance to noncurrent loans | 146.3782% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 5,890 |
| Noncurrent loans to loans | 0.5431% | 5,733 |
| Net loans and leases to total assets | 68.2072% | 4,424 |
| Net loans and leases to deposits | 80.9224% | 4,887 |
| Net loans and leases to core deposits | 113.5742% | 3,388 |
| Total domestic deposits to total assets | 84.2871% | 3,183 |
| Equity capital to assets | 8.3375% | 6,360 |
| Core capital (leverage) ratio | 7.2108% | 7,514 |
| Tier 1 risk-based capital ratio | 9.4539% | 7,365 |
| Total risk-based capital ratio | 10.2051% | 7,824 |
| Memoranda: | ||
| Average total assets | $262,558,000 | 2,443 |
| Average earning assets | $229,876,800 | 2,556 |
| Average equity | $23,120,800 | 2,836 |
| Average total loans | $167,272,800 | 2,665 |