Home > Community Bank of Bergen County, N. J. > Performance and Condition Ratios
Community Bank of Bergen County, N. J., 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 | 3.9233% | 3,648 |
| Cost of funding earning assets | 0.6583% | 1,255 |
| Net interest margin | 3.2649% | 4,273 |
| Noninterest income to average assets | 0.2521% | 4,626 |
| Noninterest expense to average assets | 2.7151% | 3,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1622% | 5,174 |
| Return on assets (ROA) | 0.1622% | 5,183 |
| Pretax return on assets | 0.5779% | 4,789 |
| Return on Equity (ROE) | 1.9084% | 5,078 |
| Retained earnings to average equity (ytd only) | 1.9084% | 4,174 |
| Net charge-offs to loans | 0.1534% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 5.5718% | 3,305 |
| Efficiency ratio | 82.4502% | 892 |
| Assets per employee ($millions) | 5.5000% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,069 |
| Loan loss allowance to noncurrent loans | 67.6277% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.5784% | 843 |
| Noncurrent loans to loans | 1.6978% | 966 |
| Net loans and leases to total assets | 68.7772% | 2,707 |
| Net loans and leases to deposits | 78.5609% | 3,057 |
| Net loans and leases to core deposits | 82.3308% | 3,219 |
| Total domestic deposits to total assets | 87.5463% | 1,736 |
| Equity capital to assets | 8.5382% | 5,093 |
| Core capital (leverage) ratio | 8.5689% | 5,075 |
| Tier 1 risk-based capital ratio | 14.3563% | 3,165 |
| Total risk-based capital ratio | 15.6080% | 3,072 |
| Memoranda: | ||
| Average total assets | $349,006,200 | 1,922 |
| Average earning assets | $325,058,600 | 1,914 |
| Average equity | $29,658,800 | 2,384 |
| Average total loans | $235,998,000 | 1,901 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 3,700 |
| Cost of funding earning assets | 0.6520% | 1,225 |
| Net interest margin | 3.2410% | 4,356 |
| Noninterest income to average assets | 0.2448% | 4,735 |
| Noninterest expense to average assets | 2.6580% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4035% | 4,991 |
| Return on assets (ROA) | 0.4035% | 5,022 |
| Pretax return on assets | 0.6086% | 4,827 |
| Return on Equity (ROE) | 4.7532% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.7532% | 3,048 |
| Net charge-offs to loans | 0.2005% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.5213% | 3,213 |
| Efficiency ratio | 81.3682% | 968 |
| Assets per employee ($millions) | 5.2367% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,145 |
| Loan loss allowance to noncurrent loans | 47.7558% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7605% | 802 |
| Noncurrent loans to loans | 2.4296% | 641 |
| Net loans and leases to total assets | 67.4241% | 2,935 |
| Net loans and leases to deposits | 76.7088% | 3,302 |
| Net loans and leases to core deposits | 81.4583% | 3,333 |
| Total domestic deposits to total assets | 87.8962% | 1,420 |
| Equity capital to assets | 8.6730% | 5,171 |
| Core capital (leverage) ratio | 8.5688% | 5,191 |
| Tier 1 risk-based capital ratio | 14.5019% | 3,180 |
| Total risk-based capital ratio | 15.7541% | 3,094 |
| Memoranda: | ||
| Average total assets | $349,632,750 | 1,929 |
| Average earning assets | $325,985,000 | 1,925 |
| Average equity | $29,677,250 | 2,396 |
| Average total loans | $234,727,250 | 1,914 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 3,560 |
| Cost of funding earning assets | 0.6442% | 1,178 |
| Net interest margin | 3.2512% | 4,261 |
| Noninterest income to average assets | 0.2480% | 4,755 |
| Noninterest expense to average assets | 2.6361% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4249% | 4,913 |
| Return on assets (ROA) | 0.4249% | 4,940 |
| Pretax return on assets | 0.6437% | 4,703 |
| Return on Equity (ROE) | 5.0431% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.0431% | 2,682 |
| Net charge-offs to loans | 0.2230% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.3231% | 2,945 |
| Efficiency ratio | 80.3737% | 1,172 |
| Assets per employee ($millions) | 4.9054% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,857 |
| Loan loss allowance to noncurrent loans | 52.6123% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.7285% | 819 |
| Noncurrent loans to loans | 2.3306% | 678 |
| Net loans and leases to total assets | 66.3802% | 3,049 |
| Net loans and leases to deposits | 73.9886% | 3,547 |
| Net loans and leases to core deposits | 78.5238% | 3,550 |
| Total domestic deposits to total assets | 89.7168% | 637 |
| Equity capital to assets | 8.6486% | 5,186 |
| Core capital (leverage) ratio | 8.3032% | 5,353 |
| Tier 1 risk-based capital ratio | 14.6949% | 3,068 |
| Total risk-based capital ratio | 15.9483% | 2,987 |
| Memoranda: | ||
| Average total assets | $349,224,330 | 1,929 |
| Average earning assets | $325,660,670 | 1,929 |
| Average equity | $29,426,330 | 2,413 |
| Average total loans | $233,189,670 | 1,930 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,497 |
| Cost of funding earning assets | 0.6317% | 1,178 |
| Net interest margin | 3.2405% | 4,214 |
| Noninterest income to average assets | 0.1235% | 5,499 |
| Noninterest expense to average assets | 2.4490% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4575% | 4,748 |
| Return on assets (ROA) | 0.4575% | 4,770 |
| Pretax return on assets | 0.6966% | 4,463 |
| Return on Equity (ROE) | 5.5023% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.5023% | 2,596 |
| Net charge-offs to loans | 0.2286% | 788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.5789% | 2,371 |
| Efficiency ratio | 77.8545% | 1,648 |
| Assets per employee ($millions) | 5.1024% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,695 |
| Loan loss allowance to noncurrent loans | 48.8190% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.8336% | 762 |
| Noncurrent loans to loans | 2.5986% | 587 |
| Net loans and leases to total assets | 65.3037% | 3,077 |
| Net loans and leases to deposits | 72.4689% | 3,564 |
| Net loans and leases to core deposits | 76.7509% | 3,579 |
| Total domestic deposits to total assets | 90.1127% | 611 |
| Equity capital to assets | 8.2505% | 5,386 |
| Core capital (leverage) ratio | 8.2333% | 5,420 |
| Tier 1 risk-based capital ratio | 14.2142% | 3,356 |
| Total risk-based capital ratio | 15.4678% | 3,271 |
| Memoranda: | ||
| Average total assets | $349,693,500 | 1,936 |
| Average earning assets | $326,119,000 | 1,932 |
| Average equity | $29,078,500 | 2,440 |
| Average total loans | $232,753,000 | 1,938 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,840 |
| Cost of funding earning assets | 0.6261% | 1,168 |
| Net interest margin | 3.4764% | 3,517 |
| Noninterest income to average assets | 0.2215% | 5,083 |
| Noninterest expense to average assets | 2.6671% | 3,463 |
| Loan and lease loss provision to assets | 0.0301% | 3,751 |
| Net operating income to assets | 0.5000% | 4,638 |
| Return on assets (ROA) | 0.5002% | 4,708 |
| Pretax return on assets | 0.7575% | 4,310 |
| Return on Equity (ROE) | 5.7603% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.7603% | 1,848 |
| Net charge-offs to loans | 0.1656% | 1,633 |
| Credit loss provision to net charge-offs | 26.1097% | 3,621 |
| Earnings coverage of net charge-offs (x) | 6.8381% | 3,115 |
| Efficiency ratio | 77.2102% | 1,810 |
| Assets per employee ($millions) | 4.7531% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,236 |
| Loan loss allowance to noncurrent loans | 60.4130% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.9584% | 709 |
| Noncurrent loans to loans | 2.2598% | 741 |
| Net loans and leases to total assets | 66.0790% | 3,062 |
| Net loans and leases to deposits | 73.4438% | 3,573 |
| Net loans and leases to core deposits | 76.8288% | 3,679 |
| Total domestic deposits to total assets | 89.9723% | 638 |
| Equity capital to assets | 8.3832% | 5,358 |
| Core capital (leverage) ratio | 8.4473% | 5,322 |
| Tier 1 risk-based capital ratio | 14.4342% | 3,222 |
| Total risk-based capital ratio | 15.6903% | 3,149 |
| Memoranda: | ||
| Average total assets | $332,686,000 | 1,988 |
| Average earning assets | $309,371,800 | 1,980 |
| Average equity | $28,887,600 | 2,461 |
| Average total loans | $231,252,800 | 1,898 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 2,712 |
| Cost of funding earning assets | 0.6279% | 1,152 |
| Net interest margin | 3.5147% | 3,418 |
| Noninterest income to average assets | 0.2095% | 5,214 |
| Noninterest expense to average assets | 2.6678% | 3,435 |
| Loan and lease loss provision to assets | 0.0404% | 3,431 |
| Net operating income to assets | 0.5422% | 4,531 |
| Return on assets (ROA) | 0.5425% | 4,633 |
| Pretax return on assets | 0.7690% | 4,415 |
| Return on Equity (ROE) | 6.1926% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.1926% | 2,065 |
| Net charge-offs to loans | 0.2796% | 826 |
| Credit loss provision to net charge-offs | 20.5761% | 3,293 |
| Earnings coverage of net charge-offs (x) | 4.1235% | 3,313 |
| Efficiency ratio | 76.7328% | 1,871 |
| Assets per employee ($millions) | 4.6861% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 2,625 |
| Loan loss allowance to noncurrent loans | 69.1886% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.8607% | 871 |
| Noncurrent loans to loans | 1.8953% | 1,059 |
| Net loans and leases to total assets | 67.5190% | 2,869 |
| Net loans and leases to deposits | 75.4655% | 3,455 |
| Net loans and leases to core deposits | 78.9809% | 3,555 |
| Total domestic deposits to total assets | 89.4700% | 682 |
| Equity capital to assets | 8.8297% | 5,300 |
| Core capital (leverage) ratio | 8.5679% | 5,297 |
| Tier 1 risk-based capital ratio | 14.2425% | 3,437 |
| Total risk-based capital ratio | 15.4987% | 3,358 |
| Memoranda: | ||
| Average total assets | $330,302,000 | 2,007 |
| Average earning assets | $307,048,000 | 2,002 |
| Average equity | $28,937,250 | 2,464 |
| Average total loans | $231,749,250 | 1,898 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,377 |
| Cost of funding earning assets | 0.6392% | 1,094 |
| Net interest margin | 3.5974% | 3,110 |
| Noninterest income to average assets | 0.1628% | 5,505 |
| Noninterest expense to average assets | 2.6969% | 3,403 |
| Loan and lease loss provision to assets | 0.0610% | 2,918 |
| Net operating income to assets | 0.5332% | 4,550 |
| Return on assets (ROA) | 0.5336% | 4,659 |
| Pretax return on assets | 0.7489% | 4,458 |
| Return on Equity (ROE) | 6.1076% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.1076% | 2,067 |
| Net charge-offs to loans | 0.3646% | 637 |
| Credit loss provision to net charge-offs | 23.6407% | 2,908 |
| Earnings coverage of net charge-offs (x) | 3.1371% | 3,163 |
| Efficiency ratio | 76.9177% | 1,939 |
| Assets per employee ($millions) | 4.6980% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,536 |
| Loan loss allowance to noncurrent loans | 73.4839% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.7731% | 980 |
| Noncurrent loans to loans | 1.8363% | 1,114 |
| Net loans and leases to total assets | 68.6938% | 2,682 |
| Net loans and leases to deposits | 77.4293% | 3,217 |
| Net loans and leases to core deposits | 80.7185% | 3,389 |
| Total domestic deposits to total assets | 88.7180% | 1,057 |
| Equity capital to assets | 8.9272% | 5,292 |
| Core capital (leverage) ratio | 8.3175% | 5,520 |
| Tier 1 risk-based capital ratio | 13.8746% | 3,681 |
| Total risk-based capital ratio | 15.1314% | 3,592 |
| Memoranda: | ||
| Average total assets | $327,937,000 | 2,027 |
| Average earning assets | $304,775,330 | 2,021 |
| Average equity | $28,652,670 | 2,487 |
| Average total loans | $232,054,330 | 1,895 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 2,329 |
| Cost of funding earning assets | 0.6416% | 1,094 |
| Net interest margin | 3.5990% | 3,082 |
| Noninterest income to average assets | 0.1173% | 5,759 |
| Noninterest expense to average assets | 2.6823% | 3,483 |
| Loan and lease loss provision to assets | 0.1221% | 1,728 |
| Net operating income to assets | 0.4898% | 4,670 |
| Return on assets (ROA) | 0.4898% | 4,772 |
| Pretax return on assets | 0.6633% | 4,642 |
| Return on Equity (ROE) | 5.6678% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.6678% | 2,546 |
| Net charge-offs to loans | 0.7312% | 289 |
| Credit loss provision to net charge-offs | 23.4192% | 2,271 |
| Earnings coverage of net charge-offs (x) | 1.5059% | 2,808 |
| Efficiency ratio | 77.3512% | 1,986 |
| Assets per employee ($millions) | 4.7636% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 2,864 |
| Loan loss allowance to noncurrent loans | 63.0826% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.6532% | 1,188 |
| Noncurrent loans to loans | 2.0735% | 1,021 |
| Net loans and leases to total assets | 70.8407% | 2,213 |
| Net loans and leases to deposits | 80.1812% | 2,768 |
| Net loans and leases to core deposits | 85.3720% | 2,806 |
| Total domestic deposits to total assets | 88.3508% | 1,437 |
| Equity capital to assets | 8.7167% | 5,407 |
| Core capital (leverage) ratio | 8.2909% | 5,580 |
| Tier 1 risk-based capital ratio | 13.4211% | 4,033 |
| Total risk-based capital ratio | 14.6775% | 3,950 |
| Memoranda: | ||
| Average total assets | $327,475,000 | 2,040 |
| Average earning assets | $304,862,500 | 2,026 |
| Average equity | $28,300,000 | 2,505 |
| Average total loans | $233,583,000 | 1,890 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 1,773 |
| Cost of funding earning assets | 0.7081% | 784 |
| Net interest margin | 3.7313% | 2,638 |
| Noninterest income to average assets | 0.1646% | 5,594 |
| Noninterest expense to average assets | 2.7371% | 3,460 |
| Loan and lease loss provision to assets | 0.0400% | 3,537 |
| Net operating income to assets | 0.5859% | 4,352 |
| Return on assets (ROA) | 0.5864% | 4,441 |
| Pretax return on assets | 0.8374% | 4,080 |
| Return on Equity (ROE) | 6.7526% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.7526% | 1,405 |
| Net charge-offs to loans | 0.0740% | 2,775 |
| Credit loss provision to net charge-offs | 73.5294% | 3,063 |
| Earnings coverage of net charge-offs (x) | 16.1059% | 2,158 |
| Efficiency ratio | 75.7377% | 2,316 |
| Assets per employee ($millions) | 4.5314% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 2,118 |
| Loan loss allowance to noncurrent loans | 44.7313% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.6862% | 546 |
| Noncurrent loans to loans | 3.2997% | 452 |
| Net loans and leases to total assets | 69.8280% | 2,395 |
| Net loans and leases to deposits | 78.3417% | 3,013 |
| Net loans and leases to core deposits | 83.9410% | 2,970 |
| Total domestic deposits to total assets | 89.1326% | 1,051 |
| Equity capital to assets | 8.5665% | 5,504 |
| Core capital (leverage) ratio | 7.8491% | 5,890 |
| Tier 1 risk-based capital ratio | 12.8844% | 4,399 |
| Total risk-based capital ratio | 14.1471% | 4,282 |
| Memoranda: | ||
| Average total assets | $312,262,600 | 2,077 |
| Average earning assets | $288,663,400 | 2,077 |
| Average equity | $27,115,600 | 2,536 |
| Average total loans | $229,743,200 | 1,861 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 1,690 |
| Cost of funding earning assets | 0.7083% | 806 |
| Net interest margin | 3.7619% | 2,518 |
| Noninterest income to average assets | 0.2064% | 5,414 |
| Noninterest expense to average assets | 2.8137% | 3,135 |
| Loan and lease loss provision to assets | 0.0540% | 3,114 |
| Net operating income to assets | 0.5710% | 4,522 |
| Return on assets (ROA) | 0.5713% | 4,609 |
| Pretax return on assets | 0.8114% | 4,302 |
| Return on Equity (ROE) | 6.5557% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.5557% | 1,920 |
| Net charge-offs to loans | 0.0599% | 2,745 |
| Credit loss provision to net charge-offs | 121.3592% | 1,963 |
| Earnings coverage of net charge-offs (x) | 19.4466% | 1,936 |
| Efficiency ratio | 76.4879% | 2,162 |
| Assets per employee ($millions) | 4.7027% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 2,255 |
| Loan loss allowance to noncurrent loans | 48.5423% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 2.3458% | 767 |
| Noncurrent loans to loans | 3.0409% | 571 |
| Net loans and leases to total assets | 70.5603% | 2,305 |
| Net loans and leases to deposits | 79.0501% | 2,987 |
| Net loans and leases to core deposits | 84.7277% | 2,966 |
| Total domestic deposits to total assets | 89.2602% | 893 |
| Equity capital to assets | 8.3961% | 5,765 |
| Core capital (leverage) ratio | 8.0077% | 5,899 |
| Tier 1 risk-based capital ratio | 12.5419% | 4,728 |
| Total risk-based capital ratio | 13.8057% | 4,621 |
| Memoranda: | ||
| Average total assets | $308,763,500 | 2,114 |
| Average earning assets | $284,992,000 | 2,113 |
| Average equity | $26,907,250 | 2,568 |
| Average total loans | $229,370,750 | 1,877 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 1,478 |
| Cost of funding earning assets | 0.7157% | 779 |
| Net interest margin | 3.8020% | 2,301 |
| Noninterest income to average assets | 0.2060% | 5,450 |
| Noninterest expense to average assets | 2.8958% | 2,913 |
| Loan and lease loss provision to assets | 0.0331% | 3,455 |
| Net operating income to assets | 0.5506% | 4,560 |
| Return on assets (ROA) | 0.5511% | 4,663 |
| Pretax return on assets | 0.7789% | 4,389 |
| Return on Equity (ROE) | 6.2408% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.2408% | 2,093 |
| Net charge-offs to loans | 0.0449% | 2,799 |
| Credit loss provision to net charge-offs | 98.0392% | 2,100 |
| Earnings coverage of net charge-offs (x) | 24.0196% | 1,584 |
| Efficiency ratio | 78.1133% | 2,053 |
| Assets per employee ($millions) | 4.1966% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 2,330 |
| Loan loss allowance to noncurrent loans | 48.2552% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.4704% | 773 |
| Noncurrent loans to loans | 3.0908% | 631 |
| Net loans and leases to total assets | 74.5313% | 1,579 |
| Net loans and leases to deposits | 84.0570% | 2,305 |
| Net loans and leases to core deposits | 86.4192% | 2,724 |
| Total domestic deposits to total assets | 88.6676% | 1,317 |
| Equity capital to assets | 8.8045% | 5,434 |
| Core capital (leverage) ratio | 8.1199% | 5,855 |
| Tier 1 risk-based capital ratio | 12.4275% | 4,861 |
| Total risk-based capital ratio | 13.6920% | 4,765 |
| Memoranda: | ||
| Average total assets | $301,955,330 | 2,175 |
| Average earning assets | $278,065,670 | 2,177 |
| Average equity | $26,663,330 | 2,595 |
| Average total loans | $227,242,330 | 1,903 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 1,559 |
| Cost of funding earning assets | 0.7289% | 740 |
| Net interest margin | 3.7387% | 2,474 |
| Noninterest income to average assets | 0.1841% | 5,614 |
| Noninterest expense to average assets | 2.8677% | 3,010 |
| Loan and lease loss provision to assets | 0.0334% | 3,223 |
| Net operating income to assets | 0.5124% | 4,616 |
| Return on assets (ROA) | 0.5124% | 4,739 |
| Pretax return on assets | 0.7193% | 4,538 |
| Return on Equity (ROE) | 5.7944% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.7944% | 2,609 |
| Net charge-offs to loans | 0.1440% | 1,379 |
| Credit loss provision to net charge-offs | 30.8642% | 2,271 |
| Earnings coverage of net charge-offs (x) | 6.9630% | 2,224 |
| Efficiency ratio | 79.2112% | 1,997 |
| Assets per employee ($millions) | 4.1872% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 2,453 |
| Loan loss allowance to noncurrent loans | 42.7709% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.8191% | 700 |
| Noncurrent loans to loans | 3.5008% | 552 |
| Net loans and leases to total assets | 74.2339% | 1,462 |
| Net loans and leases to deposits | 83.4885% | 2,146 |
| Net loans and leases to core deposits | 85.9566% | 2,554 |
| Total domestic deposits to total assets | 88.9151% | 1,325 |
| Equity capital to assets | 8.8798% | 5,411 |
| Core capital (leverage) ratio | 8.0375% | 5,920 |
| Tier 1 risk-based capital ratio | 12.3601% | 5,005 |
| Total risk-based capital ratio | 13.6247% | 4,906 |
| Memoranda: | ||
| Average total assets | $299,756,500 | 2,198 |
| Average earning assets | $275,498,000 | 2,209 |
| Average equity | $26,508,500 | 2,627 |
| Average total loans | $224,970,500 | 1,911 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,517 |
| Cost of funding earning assets | 0.7334% | 935 |
| Net interest margin | 3.8824% | 2,305 |
| Noninterest income to average assets | -0.0989% | 6,451 |
| Noninterest expense to average assets | 2.8427% | 3,333 |
| Loan and lease loss provision to assets | 0.1790% | 1,437 |
| Net operating income to assets | 0.3377% | 5,415 |
| Return on assets (ROA) | 0.4079% | 5,257 |
| Pretax return on assets | 0.4914% | 5,274 |
| Return on Equity (ROE) | 4.6813% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.6813% | 2,839 |
| Net charge-offs to loans | 0.4238% | 1,002 |
| Credit loss provision to net charge-offs | 58.9226% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.9282% | 4,303 |
| Efficiency ratio | 82.9123% | 1,543 |
| Assets per employee ($millions) | 4.2576% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 2,247 |
| Loan loss allowance to noncurrent loans | 56.0545% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 2.3316% | 1,014 |
| Noncurrent loans to loans | 2.7696% | 863 |
| Net loans and leases to total assets | 73.5760% | 1,657 |
| Net loans and leases to deposits | 82.0548% | 2,463 |
| Net loans and leases to core deposits | 84.4811% | 2,847 |
| Total domestic deposits to total assets | 89.6669% | 891 |
| Equity capital to assets | 8.8064% | 5,482 |
| Core capital (leverage) ratio | 7.9072% | 6,049 |
| Tier 1 risk-based capital ratio | 11.8362% | 5,471 |
| Total risk-based capital ratio | 13.0920% | 5,375 |
| Memoranda: | ||
| Average total assets | $293,237,600 | 2,192 |
| Average earning assets | $266,431,000 | 2,229 |
| Average equity | $25,548,600 | 2,608 |
| Average total loans | $210,242,600 | 1,972 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 1,538 |
| Cost of funding earning assets | 0.7277% | 1,004 |
| Net interest margin | 3.8807% | 2,323 |
| Noninterest income to average assets | -0.2374% | 6,560 |
| Noninterest expense to average assets | 2.8009% | 3,453 |
| Loan and lease loss provision to assets | 0.1940% | 1,241 |
| Net operating income to assets | 0.2293% | 5,787 |
| Return on assets (ROA) | 0.3214% | 5,594 |
| Pretax return on assets | 0.3972% | 5,583 |
| Return on Equity (ROE) | 3.6992% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.6992% | 4,007 |
| Net charge-offs to loans | 0.3940% | 1,009 |
| Credit loss provision to net charge-offs | 69.4444% | 2,773 |
| Earnings coverage of net charge-offs (x) | 1.7091% | 4,093 |
| Efficiency ratio | 85.4338% | 1,236 |
| Assets per employee ($millions) | 4.2392% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 2,033 |
| Loan loss allowance to noncurrent loans | 66.3081% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.1257% | 1,316 |
| Noncurrent loans to loans | 2.5351% | 1,153 |
| Net loans and leases to total assets | 71.6846% | 1,910 |
| Net loans and leases to deposits | 81.0932% | 2,535 |
| Net loans and leases to core deposits | 83.6280% | 2,927 |
| Total domestic deposits to total assets | 88.3979% | 1,555 |
| Equity capital to assets | 8.7098% | 5,632 |
| Core capital (leverage) ratio | 7.9886% | 6,075 |
| Tier 1 risk-based capital ratio | 11.6977% | 5,672 |
| Total risk-based capital ratio | 12.9553% | 5,589 |
| Memoranda: | ||
| Average total assets | $292,039,000 | 2,217 |
| Average earning assets | $264,584,000 | 2,253 |
| Average equity | $25,374,250 | 2,634 |
| Average total loans | $207,118,750 | 2,005 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 1,643 |
| Cost of funding earning assets | 0.7410% | 962 |
| Net interest margin | 3.8181% | 2,495 |
| Noninterest income to average assets | -0.4951% | 6,647 |
| Noninterest expense to average assets | 2.8519% | 3,329 |
| Loan and lease loss provision to assets | 0.1549% | 1,594 |
| Net operating income to assets | -0.0303% | 6,207 |
| Return on assets (ROA) | 0.1412% | 6,001 |
| Pretax return on assets | 0.1143% | 6,073 |
| Return on Equity (ROE) | 1.6259% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.6259% | 5,091 |
| Net charge-offs to loans | 0.4725% | 855 |
| Credit loss provision to net charge-offs | 46.6805% | 2,840 |
| Earnings coverage of net charge-offs (x) | 0.2946% | 4,074 |
| Efficiency ratio | 96.6853% | 525 |
| Assets per employee ($millions) | 4.1228% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 2,133 |
| Loan loss allowance to noncurrent loans | 53.8009% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 2.5825% | 1,066 |
| Noncurrent loans to loans | 3.1608% | 898 |
| Net loans and leases to total assets | 71.4450% | 1,834 |
| Net loans and leases to deposits | 79.7136% | 2,554 |
| Net loans and leases to core deposits | 82.2429% | 2,942 |
| Total domestic deposits to total assets | 89.6271% | 1,002 |
| Equity capital to assets | 8.8078% | 5,513 |
| Core capital (leverage) ratio | 7.8071% | 6,206 |
| Tier 1 risk-based capital ratio | 11.5771% | 5,760 |
| Total risk-based capital ratio | 12.8343% | 5,710 |
| Memoranda: | ||
| Average total assets | $290,469,670 | 2,222 |
| Average earning assets | $262,067,670 | 2,270 |
| Average equity | $25,217,000 | 2,636 |
| Average total loans | $204,038,670 | 2,022 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,759 |
| Cost of funding earning assets | 0.7825% | 822 |
| Net interest margin | 3.7335% | 2,732 |
| Noninterest income to average assets | 0.0645% | 6,444 |
| Noninterest expense to average assets | 3.1091% | 2,499 |
| Loan and lease loss provision to assets | 0.3088% | 615 |
| Net operating income to assets | -0.0071% | 6,223 |
| Return on assets (ROA) | 0.2992% | 5,538 |
| Pretax return on assets | 0.3336% | 5,639 |
| Return on Equity (ROE) | 3.4719% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.4719% | 4,052 |
| Net charge-offs to loans | 0.4175% | 873 |
| Credit loss provision to net charge-offs | 107.1429% | 1,563 |
| Earnings coverage of net charge-offs (x) | 1.0476% | 3,199 |
| Efficiency ratio | 91.1469% | 938 |
| Assets per employee ($millions) | 4.1140% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 1,723 |
| Loan loss allowance to noncurrent loans | 59.1434% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 4.2322% | 532 |
| Noncurrent loans to loans | 3.2278% | 955 |
| Net loans and leases to total assets | 68.4971% | 2,146 |
| Net loans and leases to deposits | 75.5325% | 2,867 |
| Net loans and leases to core deposits | 77.8979% | 3,215 |
| Total domestic deposits to total assets | 90.6856% | 693 |
| Equity capital to assets | 8.7793% | 5,364 |
| Core capital (leverage) ratio | 7.7498% | 6,246 |
| Tier 1 risk-based capital ratio | 11.5930% | 5,865 |
| Total risk-based capital ratio | 12.8522% | 5,812 |
| Memoranda: | ||
| Average total assets | $291,406,000 | 2,222 |
| Average earning assets | $261,203,000 | 2,279 |
| Average equity | $25,116,000 | 2,631 |
| Average total loans | $201,180,500 | 2,044 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 2,019 |
| Cost of funding earning assets | 0.8877% | 792 |
| Net interest margin | 3.6662% | 3,193 |
| Noninterest income to average assets | 0.2312% | 5,692 |
| Noninterest expense to average assets | 2.9685% | 3,137 |
| Loan and lease loss provision to assets | 1.3110% | 120 |
| Net operating income to assets | -0.3724% | 6,446 |
| Return on assets (ROA) | -0.3705% | 6,461 |
| Pretax return on assets | -0.7636% | 6,548 |
| Return on Equity (ROE) | -4.3712% | 6,467 |
| Retained earnings to average equity (ytd only) | -4.5009% | 6,342 |
| Net charge-offs to loans | 1.6230% | 282 |
| Credit loss provision to net charge-offs | 118.1327% | 2,032 |
| Earnings coverage of net charge-offs (x) | 0.4905% | 4,917 |
| Efficiency ratio | 84.5030% | 1,578 |
| Assets per employee ($millions) | 4.1525% | 3,527 |
| Cash dividends to net income (ytd only)* | -2.9676% | 6,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 1,780 |
| Loan loss allowance to noncurrent loans | 56.6267% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 4.3117% | 592 |
| Noncurrent loans to loans | 3.3553% | 960 |
| Net loans and leases to total assets | 66.9670% | 2,524 |
| Net loans and leases to deposits | 73.5381% | 3,327 |
| Net loans and leases to core deposits | 75.7695% | 3,630 |
| Total domestic deposits to total assets | 91.0643% | 545 |
| Equity capital to assets | 8.4622% | 5,626 |
| Core capital (leverage) ratio | 7.4974% | 6,370 |
| Tier 1 risk-based capital ratio | 11.1131% | 6,114 |
| Total risk-based capital ratio | 12.3714% | 6,063 |
| Memoranda: | ||
| Average total assets | $300,156,600 | 2,145 |
| Average earning assets | $268,672,200 | 2,195 |
| Average equity | $25,439,200 | 2,593 |
| Average total loans | $205,232,400 | 1,962 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 2,087 |
| Cost of funding earning assets | 0.8972% | 827 |
| Net interest margin | 3.6408% | 3,278 |
| Noninterest income to average assets | 0.1999% | 5,983 |
| Noninterest expense to average assets | 2.9082% | 3,279 |
| Loan and lease loss provision to assets | 1.5854% | 74 |
| Net operating income to assets | -0.5522% | 6,620 |
| Return on assets (ROA) | -0.5497% | 6,628 |
| Pretax return on assets | -1.0326% | 6,699 |
| Return on Equity (ROE) | -6.4835% | 6,639 |
| Retained earnings to average equity (ytd only) | -6.6556% | 6,560 |
| Net charge-offs to loans | 1.9965% | 192 |
| Credit loss provision to net charge-offs | 116.0946% | 2,027 |
| Earnings coverage of net charge-offs (x) | 0.4019% | 4,724 |
| Efficiency ratio | 84.1243% | 1,578 |
| Assets per employee ($millions) | 3.9442% | 3,953 |
| Cash dividends to net income (ytd only)* | -2.6549% | 6,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8515% | 2,136 |
| Loan loss allowance to noncurrent loans | 53.7294% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 4.5887% | 647 |
| Noncurrent loans to loans | 3.4460% | 1,116 |
| Net loans and leases to total assets | 66.6081% | 2,539 |
| Net loans and leases to deposits | 73.1380% | 3,371 |
| Net loans and leases to core deposits | 75.5402% | 3,670 |
| Total domestic deposits to total assets | 91.0718% | 500 |
| Equity capital to assets | 8.4110% | 5,826 |
| Core capital (leverage) ratio | 8.2261% | 6,037 |
| Tier 1 risk-based capital ratio | 12.0950% | 5,725 |
| Total risk-based capital ratio | 13.3524% | 5,652 |
| Memoranda: | ||
| Average total assets | $301,488,500 | 2,152 |
| Average earning assets | $269,714,500 | 2,191 |
| Average equity | $25,561,750 | 2,611 |
| Average total loans | $206,225,000 | 1,962 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 2,065 |
| Cost of funding earning assets | 0.9018% | 887 |
| Net interest margin | 3.6350% | 3,226 |
| Noninterest income to average assets | 0.1503% | 6,300 |
| Noninterest expense to average assets | 2.8815% | 3,396 |
| Loan and lease loss provision to assets | 2.0173% | 51 |
| Net operating income to assets | -0.8363% | 6,724 |
| Return on assets (ROA) | -0.8359% | 6,730 |
| Pretax return on assets | -1.4899% | 6,803 |
| Return on Equity (ROE) | -9.8338% | 6,738 |
| Retained earnings to average equity (ytd only) | -10.0897% | 6,668 |
| Net charge-offs to loans | 2.5379% | 144 |
| Credit loss provision to net charge-offs | 115.9091% | 1,912 |
| Earnings coverage of net charge-offs (x) | 0.3027% | 4,440 |
| Efficiency ratio | 84.5455% | 1,571 |
| Assets per employee ($millions) | 3.9606% | 3,890 |
| Cash dividends to net income (ytd only)* | -2.6025% | 6,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 2,346 |
| Loan loss allowance to noncurrent loans | 51.5289% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 4.5580% | 719 |
| Noncurrent loans to loans | 3.5431% | 1,181 |
| Net loans and leases to total assets | 65.0261% | 2,753 |
| Net loans and leases to deposits | 71.2931% | 3,544 |
| Net loans and leases to core deposits | 73.5214% | 3,869 |
| Total domestic deposits to total assets | 91.2095% | 475 |
| Equity capital to assets | 8.2447% | 6,025 |
| Core capital (leverage) ratio | 8.1025% | 6,105 |
| Tier 1 risk-based capital ratio | 12.2098% | 5,672 |
| Total risk-based capital ratio | 13.4669% | 5,615 |
| Memoranda: | ||
| Average total assets | $303,380,000 | 2,140 |
| Average earning assets | $271,910,000 | 2,180 |
| Average equity | $25,788,670 | 2,600 |
| Average total loans | $208,049,000 | 1,954 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 1,947 |
| Cost of funding earning assets | 0.9135% | 925 |
| Net interest margin | 3.6468% | 3,085 |
| Noninterest income to average assets | 0.3454% | 4,922 |
| Noninterest expense to average assets | 2.8447% | 3,561 |
| Loan and lease loss provision to assets | 0.8865% | 224 |
| Net operating income to assets | 0.0250% | 6,303 |
| Return on assets (ROA) | 0.0250% | 6,383 |
| Pretax return on assets | -0.1195% | 6,497 |
| Return on Equity (ROE) | 0.2893% | 6,377 |
| Retained earnings to average equity (ytd only) | -0.2131% | 5,820 |
| Net charge-offs to loans | 0.7213% | 848 |
| Credit loss provision to net charge-offs | 176.2402% | 1,208 |
| Earnings coverage of net charge-offs (x) | 1.5248% | 3,322 |
| Efficiency ratio | 78.7636% | 2,494 |
| Assets per employee ($millions) | 4.1547% | 3,620 |
| Cash dividends to net income (ytd only)* | 173.6842% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6722% | 3,124 |
| Loan loss allowance to noncurrent loans | 28.5459% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 6.5079% | 461 |
| Noncurrent loans to loans | 5.8581% | 577 |
| Net loans and leases to total assets | 68.0884% | 1,991 |
| Net loans and leases to deposits | 74.9582% | 2,780 |
| Net loans and leases to core deposits | 77.2849% | 3,164 |
| Total domestic deposits to total assets | 90.8352% | 596 |
| Equity capital to assets | 8.6603% | 5,853 |
| Core capital (leverage) ratio | 8.4932% | 5,602 |
| Tier 1 risk-based capital ratio | 12.2641% | 5,746 |
| Total risk-based capital ratio | 13.5195% | 5,696 |
| Memoranda: | ||
| Average total assets | $304,566,500 | 2,155 |
| Average earning assets | $272,790,000 | 2,198 |
| Average equity | $26,274,500 | 2,584 |
| Average total loans | $212,387,000 | 1,925 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 2,035 |
| Cost of funding earning assets | 1.0462% | 1,140 |
| Net interest margin | 3.7999% | 3,225 |
| Noninterest income to average assets | 0.3047% | 5,263 |
| Noninterest expense to average assets | 2.8081% | 3,993 |
| Loan and lease loss provision to assets | 0.8727% | 524 |
| Net operating income to assets | 0.1305% | 5,940 |
| Return on assets (ROA) | 0.1370% | 6,076 |
| Pretax return on assets | 0.0625% | 6,207 |
| Return on Equity (ROE) | 1.6226% | 5,996 |
| Retained earnings to average equity (ytd only) | 0.5974% | 5,554 |
| Net charge-offs to loans | 1.1107% | 947 |
| Credit loss provision to net charge-offs | 111.6153% | 2,614 |
| Earnings coverage of net charge-offs (x) | 1.1878% | 4,866 |
| Efficiency ratio | 75.1481% | 2,888 |
| Assets per employee ($millions) | 4.1896% | 3,565 |
| Cash dividends to net income (ytd only)* | 63.1829% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 3,752 |
| Loan loss allowance to noncurrent loans | 28.2704% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 5.8256% | 608 |
| Noncurrent loans to loans | 5.3037% | 716 |
| Net loans and leases to total assets | 69.1651% | 2,004 |
| Net loans and leases to deposits | 76.0817% | 2,791 |
| Net loans and leases to core deposits | 78.4199% | 3,204 |
| Total domestic deposits to total assets | 90.9090% | 530 |
| Equity capital to assets | 8.5937% | 5,971 |
| Core capital (leverage) ratio | 8.4380% | 5,707 |
| Tier 1 risk-based capital ratio | 12.0072% | 5,784 |
| Total risk-based capital ratio | 13.2602% | 5,734 |
| Memoranda: | ||
| Average total assets | $307,218,600 | 2,095 |
| Average earning assets | $277,478,000 | 2,117 |
| Average equity | $25,946,200 | 2,573 |
| Average total loans | $216,261,200 | 1,871 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 2,006 |
| Cost of funding earning assets | 1.0692% | 1,200 |
| Net interest margin | 3.8311% | 3,202 |
| Noninterest income to average assets | 0.3147% | 5,262 |
| Noninterest expense to average assets | 2.8239% | 3,897 |
| Loan and lease loss provision to assets | 0.8458% | 546 |
| Net operating income to assets | 0.1786% | 5,971 |
| Return on assets (ROA) | 0.1868% | 6,109 |
| Pretax return on assets | 0.1235% | 6,238 |
| Return on Equity (ROE) | 2.2220% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.0208% | 5,759 |
| Net charge-offs to loans | 0.9429% | 1,148 |
| Credit loss provision to net charge-offs | 127.3499% | 2,260 |
| Earnings coverage of net charge-offs (x) | 1.4471% | 4,565 |
| Efficiency ratio | 74.6077% | 2,891 |
| Assets per employee ($millions) | 4.0888% | 3,704 |
| Cash dividends to net income (ytd only)* | 54.0607% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 3,685 |
| Loan loss allowance to noncurrent loans | 27.1230% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 6.4464% | 592 |
| Noncurrent loans to loans | 5.7575% | 732 |
| Net loans and leases to total assets | 70.0006% | 1,902 |
| Net loans and leases to deposits | 77.1615% | 2,783 |
| Net loans and leases to core deposits | 79.8043% | 3,233 |
| Total domestic deposits to total assets | 90.7196% | 509 |
| Equity capital to assets | 8.5794% | 6,189 |
| Core capital (leverage) ratio | 8.4827% | 5,773 |
| Tier 1 risk-based capital ratio | 11.9534% | 5,963 |
| Total risk-based capital ratio | 13.2075% | 5,947 |
| Memoranda: | ||
| Average total assets | $307,562,750 | 2,114 |
| Average earning assets | $278,592,250 | 2,128 |
| Average equity | $25,862,000 | 2,605 |
| Average total loans | $216,637,500 | 1,879 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 2,180 |
| Cost of funding earning assets | 1.0871% | 1,274 |
| Net interest margin | 3.7965% | 3,381 |
| Noninterest income to average assets | 0.2923% | 5,465 |
| Noninterest expense to average assets | 2.8956% | 3,634 |
| Loan and lease loss provision to assets | 0.6791% | 827 |
| Net operating income to assets | 0.2076% | 5,889 |
| Return on assets (ROA) | 0.2199% | 6,044 |
| Pretax return on assets | 0.1766% | 6,184 |
| Return on Equity (ROE) | 2.6326% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.0918% | 5,637 |
| Net charge-offs to loans | 0.9340% | 1,184 |
| Credit loss provision to net charge-offs | 103.5503% | 2,632 |
| Earnings coverage of net charge-offs (x) | 1.2860% | 4,362 |
| Efficiency ratio | 77.4433% | 2,529 |
| Assets per employee ($millions) | 4.0952% | 3,672 |
| Cash dividends to net income (ytd only)* | 58.5294% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,518 |
| Loan loss allowance to noncurrent loans | 23.3435% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 6.4665% | 635 |
| Noncurrent loans to loans | 5.9313% | 748 |
| Net loans and leases to total assets | 69.0355% | 2,094 |
| Net loans and leases to deposits | 75.9794% | 2,999 |
| Net loans and leases to core deposits | 78.6060% | 3,433 |
| Total domestic deposits to total assets | 90.8608% | 499 |
| Equity capital to assets | 8.4307% | 6,275 |
| Core capital (leverage) ratio | 8.3599% | 5,840 |
| Tier 1 risk-based capital ratio | 11.9672% | 5,955 |
| Total risk-based capital ratio | 13.2190% | 5,925 |
| Memoranda: | ||
| Average total assets | $309,226,000 | 2,102 |
| Average earning assets | $280,734,670 | 2,120 |
| Average equity | $25,829,670 | 2,594 |
| Average total loans | $217,129,000 | 1,878 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 2,437 |
| Cost of funding earning assets | 1.1286% | 1,264 |
| Net interest margin | 3.7226% | 3,721 |
| Noninterest income to average assets | 0.2669% | 5,740 |
| Noninterest expense to average assets | 2.8723% | 3,735 |
| Loan and lease loss provision to assets | 0.5801% | 994 |
| Net operating income to assets | 0.2424% | 5,849 |
| Return on assets (ROA) | 0.2424% | 5,994 |
| Pretax return on assets | 0.2076% | 6,183 |
| Return on Equity (ROE) | 2.9150% | 5,745 |
| Retained earnings to average equity (ytd only) | 0.3411% | 5,880 |
| Net charge-offs to loans | 1.2668% | 803 |
| Credit loss provision to net charge-offs | 65.1230% | 3,014 |
| Earnings coverage of net charge-offs (x) | 0.8842% | 3,885 |
| Efficiency ratio | 78.4783% | 2,432 |
| Assets per employee ($millions) | 4.0346% | 3,932 |
| Cash dividends to net income (ytd only)* | 88.2979% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 5,263 |
| Loan loss allowance to noncurrent loans | 23.9298% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 5.7116% | 845 |
| Noncurrent loans to loans | 5.2115% | 1,053 |
| Net loans and leases to total assets | 68.8204% | 1,967 |
| Net loans and leases to deposits | 75.6683% | 2,850 |
| Net loans and leases to core deposits | 78.1093% | 3,307 |
| Total domestic deposits to total assets | 90.9501% | 581 |
| Equity capital to assets | 8.3050% | 6,267 |
| Core capital (leverage) ratio | 8.2323% | 5,977 |
| Tier 1 risk-based capital ratio | 12.0029% | 5,964 |
| Total risk-based capital ratio | 13.2533% | 5,945 |
| Memoranda: | ||
| Average total assets | $310,269,500 | 2,097 |
| Average earning assets | $282,816,500 | 2,114 |
| Average equity | $25,797,500 | 2,589 |
| Average total loans | $218,187,500 | 1,870 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 2,827 |
| Cost of funding earning assets | 1.2268% | 1,858 |
| Net interest margin | 3.7847% | 3,903 |
| Noninterest income to average assets | 0.2267% | 5,913 |
| Noninterest expense to average assets | 2.8899% | 3,997 |
| Loan and lease loss provision to assets | 0.6392% | 1,596 |
| Net operating income to assets | 0.2624% | 5,393 |
| Return on assets (ROA) | 0.2624% | 5,538 |
| Pretax return on assets | 0.1948% | 5,802 |
| Return on Equity (ROE) | 3.1725% | 5,216 |
| Retained earnings to average equity (ytd only) | 0.6052% | 5,561 |
| Net charge-offs to loans | 1.1322% | 1,502 |
| Credit loss provision to net charge-offs | 80.0080% | 4,449 |
| Earnings coverage of net charge-offs (x) | 1.0439% | 5,007 |
| Efficiency ratio | 77.6047% | 2,644 |
| Assets per employee ($millions) | 3.8256% | 4,257 |
| Cash dividends to net income (ytd only)* | 80.9235% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,720 |
| Loan loss allowance to noncurrent loans | 23.3154% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 6.1274% | 794 |
| Noncurrent loans to loans | 5.7370% | 897 |
| Net loans and leases to total assets | 70.0069% | 2,027 |
| Net loans and leases to deposits | 77.0051% | 3,000 |
| Net loans and leases to core deposits | 79.4456% | 3,517 |
| Total domestic deposits to total assets | 90.9120% | 536 |
| Equity capital to assets | 8.3241% | 6,326 |
| Core capital (leverage) ratio | 8.2059% | 5,986 |
| Tier 1 risk-based capital ratio | 11.7294% | 6,005 |
| Total risk-based capital ratio | 12.9806% | 5,991 |
| Memoranda: | ||
| Average total assets | $313,683,400 | 2,048 |
| Average earning assets | $289,854,200 | 2,024 |
| Average equity | $25,941,800 | 2,487 |
| Average total loans | $221,331,000 | 1,865 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 2,948 |
| Cost of funding earning assets | 1.2422% | 2,048 |
| Net interest margin | 3.7861% | 3,945 |
| Noninterest income to average assets | 0.2521% | 5,815 |
| Noninterest expense to average assets | 2.8680% | 4,070 |
| Loan and lease loss provision to assets | 0.4344% | 2,307 |
| Net operating income to assets | 0.3996% | 5,009 |
| Return on assets (ROA) | 0.3996% | 5,190 |
| Pretax return on assets | 0.4615% | 5,284 |
| Return on Equity (ROE) | 4.8397% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.2787% | 4,985 |
| Net charge-offs to loans | 0.9490% | 1,703 |
| Credit loss provision to net charge-offs | 64.9556% | 4,632 |
| Earnings coverage of net charge-offs (x) | 1.3397% | 4,612 |
| Efficiency ratio | 76.1991% | 2,814 |
| Assets per employee ($millions) | 3.8821% | 4,114 |
| Cash dividends to net income (ytd only)* | 52.9166% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 4,928 |
| Loan loss allowance to noncurrent loans | 20.3022% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 6.5734% | 780 |
| Noncurrent loans to loans | 6.4873% | 814 |
| Net loans and leases to total assets | 68.8388% | 2,306 |
| Net loans and leases to deposits | 75.8468% | 3,350 |
| Net loans and leases to core deposits | 78.5068% | 3,827 |
| Total domestic deposits to total assets | 90.7603% | 529 |
| Equity capital to assets | 8.3508% | 6,444 |
| Core capital (leverage) ratio | 8.1583% | 6,186 |
| Tier 1 risk-based capital ratio | 11.7606% | 6,062 |
| Total risk-based capital ratio | 13.0114% | 6,061 |
| Memoranda: | ||
| Average total assets | $314,636,500 | 2,043 |
| Average earning assets | $291,833,000 | 2,016 |
| Average equity | $25,978,750 | 2,486 |
| Average total loans | $221,695,750 | 1,876 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 2,885 |
| Cost of funding earning assets | 1.2491% | 2,256 |
| Net interest margin | 3.8081% | 3,744 |
| Noninterest income to average assets | 0.2453% | 5,889 |
| Noninterest expense to average assets | 2.8770% | 4,118 |
| Loan and lease loss provision to assets | 0.5084% | 1,925 |
| Net operating income to assets | 0.3858% | 5,018 |
| Return on assets (ROA) | 0.3858% | 5,156 |
| Pretax return on assets | 0.4112% | 5,362 |
| Return on Equity (ROE) | 4.6899% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.1170% | 4,930 |
| Net charge-offs to loans | 0.9898% | 1,583 |
| Credit loss provision to net charge-offs | 72.6612% | 3,996 |
| Earnings coverage of net charge-offs (x) | 1.3143% | 4,296 |
| Efficiency ratio | 75.7784% | 3,055 |
| Assets per employee ($millions) | 3.7059% | 4,429 |
| Cash dividends to net income (ytd only)* | 54.8600% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 4,495 |
| Loan loss allowance to noncurrent loans | 25.0778% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 5.2014% | 1,168 |
| Noncurrent loans to loans | 5.6434% | 1,105 |
| Net loans and leases to total assets | 68.6525% | 2,483 |
| Net loans and leases to deposits | 75.4789% | 3,566 |
| Net loans and leases to core deposits | 78.0697% | 4,047 |
| Total domestic deposits to total assets | 90.9559% | 516 |
| Equity capital to assets | 8.1853% | 6,530 |
| Core capital (leverage) ratio | 8.0326% | 6,261 |
| Tier 1 risk-based capital ratio | 11.7729% | 5,956 |
| Total risk-based capital ratio | 13.0254% | 5,948 |
| Memoranda: | ||
| Average total assets | $314,699,000 | 2,047 |
| Average earning assets | $293,480,330 | 2,013 |
| Average equity | $25,885,330 | 2,478 |
| Average total loans | $222,477,000 | 1,892 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 3,046 |
| Cost of funding earning assets | 1.2482% | 2,514 |
| Net interest margin | 3.7652% | 3,780 |
| Noninterest income to average assets | 0.2226% | 6,141 |
| Noninterest expense to average assets | 3.0407% | 3,483 |
| Loan and lease loss provision to assets | 0.3838% | 2,262 |
| Net operating income to assets | 0.3172% | 5,320 |
| Return on assets (ROA) | 0.3172% | 5,398 |
| Pretax return on assets | 0.3172% | 5,608 |
| Return on Equity (ROE) | 3.8473% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.2721% | 5,319 |
| Net charge-offs to loans | 1.6054% | 840 |
| Credit loss provision to net charge-offs | 33.5570% | 4,058 |
| Earnings coverage of net charge-offs (x) | 0.6130% | 4,171 |
| Efficiency ratio | 81.2650% | 2,335 |
| Assets per employee ($millions) | 3.7543% | 4,410 |
| Cash dividends to net income (ytd only)* | 66.9355% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 5,212 |
| Loan loss allowance to noncurrent loans | 20.2043% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 5.3881% | 1,143 |
| Noncurrent loans to loans | 6.3528% | 963 |
| Net loans and leases to total assets | 69.4570% | 2,233 |
| Net loans and leases to deposits | 76.3963% | 3,357 |
| Net loans and leases to core deposits | 78.9685% | 3,896 |
| Total domestic deposits to total assets | 90.9167% | 671 |
| Equity capital to assets | 8.1900% | 6,290 |
| Core capital (leverage) ratio | 8.0905% | 6,144 |
| Tier 1 risk-based capital ratio | 11.7663% | 5,884 |
| Total risk-based capital ratio | 13.0175% | 5,891 |
| Memoranda: | ||
| Average total assets | $312,696,000 | 2,083 |
| Average earning assets | $292,254,500 | 2,044 |
| Average equity | $25,784,500 | 2,471 |
| Average total loans | $222,745,500 | 1,911 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 3,579 |
| Cost of funding earning assets | 1.3377% | 3,650 |
| Net interest margin | 3.8672% | 3,654 |
| Noninterest income to average assets | 0.4040% | 4,878 |
| Noninterest expense to average assets | 3.0419% | 3,686 |
| Loan and lease loss provision to assets | 0.4543% | 3,399 |
| Net operating income to assets | 0.3919% | 4,579 |
| Return on assets (ROA) | 0.3919% | 4,724 |
| Pretax return on assets | 0.5240% | 4,541 |
| Return on Equity (ROE) | 4.6206% | 4,241 |
| Retained earnings to average equity (ytd only) | 1.4575% | 4,803 |
| Net charge-offs to loans | 0.4590% | 3,783 |
| Credit loss provision to net charge-offs | 136.0236% | 2,838 |
| Earnings coverage of net charge-offs (x) | 2.9291% | 3,610 |
| Efficiency ratio | 75.6644% | 3,097 |
| Assets per employee ($millions) | 3.6474% | 4,588 |
| Cash dividends to net income (ytd only)* | 68.4564% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 3,825 |
| Loan loss allowance to noncurrent loans | 20.2375% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 5.6807% | 1,079 |
| Noncurrent loans to loans | 7.6063% | 703 |
| Net loans and leases to total assets | 71.0124% | 2,301 |
| Net loans and leases to deposits | 78.2325% | 3,478 |
| Net loans and leases to core deposits | 80.9875% | 4,063 |
| Total domestic deposits to total assets | 90.7710% | 707 |
| Equity capital to assets | 8.3027% | 6,147 |
| Core capital (leverage) ratio | 8.1641% | 5,885 |
| Tier 1 risk-based capital ratio | 11.6056% | 5,815 |
| Total risk-based capital ratio | 12.8595% | 5,818 |
| Memoranda: | ||
| Average total assets | $304,182,600 | 2,129 |
| Average earning assets | $284,442,000 | 2,081 |
| Average equity | $25,797,600 | 2,476 |
| Average total loans | $221,347,000 | 1,960 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 3,920 |
| Cost of funding earning assets | 1.3475% | 3,914 |
| Net interest margin | 3.8368% | 3,811 |
| Noninterest income to average assets | 0.2740% | 5,918 |
| Noninterest expense to average assets | 3.0663% | 3,506 |
| Loan and lease loss provision to assets | 0.2533% | 4,558 |
| Net operating income to assets | 0.7219% | 3,314 |
| Return on assets (ROA) | 0.7219% | 3,470 |
| Pretax return on assets | 0.5422% | 4,789 |
| Return on Equity (ROE) | 8.4662% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.1138% | 2,905 |
| Net charge-offs to loans | 0.5284% | 3,186 |
| Credit loss provision to net charge-offs | 65.7143% | 5,544 |
| Earnings coverage of net charge-offs (x) | 2.0640% | 4,177 |
| Efficiency ratio | 79.4024% | 2,436 |
| Assets per employee ($millions) | 3.6583% | 4,596 |
| Cash dividends to net income (ytd only)* | 39.5972% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 5,309 |
| Loan loss allowance to noncurrent loans | 16.5553% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 5.6344% | 1,084 |
| Noncurrent loans to loans | 7.4663% | 723 |
| Net loans and leases to total assets | 73.0501% | 2,009 |
| Net loans and leases to deposits | 80.5522% | 3,351 |
| Net loans and leases to core deposits | 83.3748% | 4,037 |
| Total domestic deposits to total assets | 90.6866% | 556 |
| Equity capital to assets | 8.6192% | 6,131 |
| Core capital (leverage) ratio | 8.5966% | 5,352 |
| Tier 1 risk-based capital ratio | 11.9392% | 5,519 |
| Total risk-based capital ratio | 13.1894% | 5,489 |
| Memoranda: | ||
| Average total assets | $302,720,000 | 2,167 |
| Average earning assets | $283,076,500 | 2,123 |
| Average equity | $25,811,750 | 2,512 |
| Average total loans | $220,782,750 | 1,995 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 4,171 |
| Cost of funding earning assets | 1.3379% | 4,271 |
| Net interest margin | 3.8159% | 3,831 |
| Noninterest income to average assets | 0.4444% | 4,567 |
| Noninterest expense to average assets | 3.1414% | 3,136 |
| Loan and lease loss provision to assets | 0.2315% | 4,601 |
| Net operating income to assets | 0.9113% | 2,512 |
| Return on assets (ROA) | 0.9113% | 2,617 |
| Pretax return on assets | 0.6422% | 4,426 |
| Return on Equity (ROE) | 10.7271% | 1,847 |
| Retained earnings to average equity (ytd only) | 6.9671% | 1,846 |
| Net charge-offs to loans | 0.8227% | 2,195 |
| Credit loss provision to net charge-offs | 38.7597% | 5,628 |
| Earnings coverage of net charge-offs (x) | 1.4629% | 4,389 |
| Efficiency ratio | 78.2408% | 2,687 |
| Assets per employee ($millions) | 3.6119% | 4,670 |
| Cash dividends to net income (ytd only)* | 35.0508% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,673 |
| Loan loss allowance to noncurrent loans | 13.2455% | 7,186 |
| Noncurrent assets plus other real estate owned to assets | 6.5121% | 856 |
| Noncurrent loans to loans | 8.7037% | 561 |
| Net loans and leases to total assets | 70.4611% | 2,801 |
| Net loans and leases to deposits | 77.6498% | 4,054 |
| Net loans and leases to core deposits | 80.9331% | 4,560 |
| Total domestic deposits to total assets | 90.7421% | 583 |
| Equity capital to assets | 8.4843% | 6,179 |
| Core capital (leverage) ratio | 8.5397% | 5,344 |
| Tier 1 risk-based capital ratio | 12.0667% | 5,254 |
| Total risk-based capital ratio | 13.2379% | 5,286 |
| Memoranda: | ||
| Average total assets | $302,414,330 | 2,187 |
| Average earning assets | $282,977,000 | 2,135 |
| Average equity | $25,692,000 | 2,518 |
| Average total loans | $219,516,000 | 2,029 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 4,378 |
| Cost of funding earning assets | 1.3202% | 4,689 |
| Net interest margin | 3.8125% | 3,741 |
| Noninterest income to average assets | 0.6531% | 2,914 |
| Noninterest expense to average assets | 3.2521% | 2,694 |
| Loan and lease loss provision to assets | 0.1999% | 4,504 |
| Net operating income to assets | 1.3848% | 1,109 |
| Return on assets (ROA) | 1.3848% | 1,185 |
| Pretax return on assets | 0.7690% | 3,995 |
| Return on Equity (ROE) | 16.2891% | 683 |
| Retained earnings to average equity (ytd only) | 11.3350% | 858 |
| Net charge-offs to loans | 1.6120% | 1,081 |
| Credit loss provision to net charge-offs | 16.9300% | 4,977 |
| Earnings coverage of net charge-offs (x) | 0.8205% | 4,311 |
| Efficiency ratio | 77.0445% | 3,053 |
| Assets per employee ($millions) | 3.3472% | 5,436 |
| Cash dividends to net income (ytd only)* | 30.4139% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 6,181 |
| Loan loss allowance to noncurrent loans | 13.3646% | 7,255 |
| Noncurrent assets plus other real estate owned to assets | 6.0909% | 975 |
| Noncurrent loans to loans | 7.9398% | 683 |
| Net loans and leases to total assets | 73.2401% | 2,147 |
| Net loans and leases to deposits | 81.0625% | 3,449 |
| Net loans and leases to core deposits | 84.5975% | 4,119 |
| Total domestic deposits to total assets | 90.3501% | 804 |
| Equity capital to assets | 8.6807% | 5,759 |
| Core capital (leverage) ratio | 8.7246% | 4,980 |
| Tier 1 risk-based capital ratio | 12.1628% | 5,026 |
| Total risk-based capital ratio | 13.2654% | 5,142 |
| Memoranda: | ||
| Average total assets | $300,114,000 | 2,250 |
| Average earning assets | $280,866,000 | 2,201 |
| Average equity | $25,514,000 | 2,563 |
| Average total loans | $219,849,500 | 2,080 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 5,255 |
| Cost of funding earning assets | 1.8294% | 3,840 |
| Net interest margin | 3.4561% | 5,144 |
| Noninterest income to average assets | 0.2713% | 6,175 |
| Noninterest expense to average assets | 2.9494% | 4,345 |
| Loan and lease loss provision to assets | 0.6363% | 3,258 |
| Net operating income to assets | 0.0308% | 5,395 |
| Return on assets (ROA) | 0.0310% | 5,447 |
| Pretax return on assets | -0.0498% | 5,522 |
| Return on Equity (ROE) | 0.3614% | 5,425 |
| Retained earnings to average equity (ytd only) | -4.5016% | 5,945 |
| Net charge-offs to loans | 0.3485% | 4,487 |
| Credit loss provision to net charge-offs | 254.9538% | 1,380 |
| Earnings coverage of net charge-offs (x) | 2.3487% | 3,969 |
| Efficiency ratio | 83.4204% | 2,425 |
| Assets per employee ($millions) | 3.4355% | 5,169 |
| Cash dividends to net income (ytd only)* | 1,345.7447% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 4,219 |
| Loan loss allowance to noncurrent loans | 17.4673% | 7,163 |
| Noncurrent assets plus other real estate owned to assets | 5.8351% | 974 |
| Noncurrent loans to loans | 8.0346% | 621 |
| Net loans and leases to total assets | 71.4789% | 2,891 |
| Net loans and leases to deposits | 78.6553% | 4,243 |
| Net loans and leases to core deposits | 96.9454% | 4,358 |
| Total domestic deposits to total assets | 90.8761% | 581 |
| Equity capital to assets | 8.3248% | 6,161 |
| Core capital (leverage) ratio | 8.2340% | 5,759 |
| Tier 1 risk-based capital ratio | 11.8082% | 5,106 |
| Total risk-based capital ratio | 13.0609% | 5,071 |
| Memoranda: | ||
| Average total assets | $303,319,400 | 2,196 |
| Average earning assets | $286,481,200 | 2,147 |
| Average equity | $26,013,000 | 2,528 |
| Average total loans | $217,237,600 | 2,125 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 5,322 |
| Cost of funding earning assets | 1.9253% | 3,743 |
| Net interest margin | 3.3948% | 5,289 |
| Noninterest income to average assets | 0.2741% | 6,272 |
| Noninterest expense to average assets | 2.9067% | 4,426 |
| Loan and lease loss provision to assets | 0.2108% | 5,294 |
| Net operating income to assets | 0.3786% | 4,486 |
| Return on assets (ROA) | 0.3790% | 4,587 |
| Pretax return on assets | 0.3694% | 4,880 |
| Return on Equity (ROE) | 4.3877% | 4,215 |
| Retained earnings to average equity (ytd only) | -0.4372% | 5,327 |
| Net charge-offs to loans | 0.2024% | 4,781 |
| Credit loss provision to net charge-offs | 145.8967% | 3,334 |
| Earnings coverage of net charge-offs (x) | 4.0121% | 3,300 |
| Efficiency ratio | 83.3711% | 2,373 |
| Assets per employee ($millions) | 3.5530% | 4,802 |
| Cash dividends to net income (ytd only)* | 109.9649% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 6,662 |
| Loan loss allowance to noncurrent loans | 13.8326% | 7,367 |
| Noncurrent assets plus other real estate owned to assets | 4.9271% | 1,197 |
| Noncurrent loans to loans | 6.6639% | 849 |
| Net loans and leases to total assets | 73.1032% | 2,761 |
| Net loans and leases to deposits | 80.8595% | 4,232 |
| Net loans and leases to core deposits | 99.8535% | 4,391 |
| Total domestic deposits to total assets | 90.4077% | 618 |
| Equity capital to assets | 8.6969% | 5,955 |
| Core capital (leverage) ratio | 8.6215% | 5,277 |
| Tier 1 risk-based capital ratio | 12.1729% | 4,818 |
| Total risk-based capital ratio | 13.1286% | 5,018 |
| Memoranda: | ||
| Average total assets | $303,567,500 | 2,206 |
| Average earning assets | $287,253,500 | 2,156 |
| Average equity | $26,224,250 | 2,539 |
| Average total loans | $216,753,000 | 2,155 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 5,926 |
| Cost of funding earning assets | 2.0474% | 3,533 |
| Net interest margin | 3.1900% | 5,953 |
| Noninterest income to average assets | 0.2723% | 6,326 |
| Noninterest expense to average assets | 2.7913% | 4,993 |
| Loan and lease loss provision to assets | 0.2105% | 4,937 |
| Net operating income to assets | 0.3256% | 4,778 |
| Return on assets (ROA) | 0.3262% | 4,899 |
| Pretax return on assets | 0.2973% | 5,222 |
| Return on Equity (ROE) | 3.7847% | 4,585 |
| Retained earnings to average equity (ytd only) | -1.0377% | 5,496 |
| Net charge-offs to loans | 0.0745% | 5,461 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 9.6375% | 2,099 |
| Efficiency ratio | 84.6261% | 2,406 |
| Assets per employee ($millions) | 3.6221% | 4,515 |
| Cash dividends to net income (ytd only)* | 127.4194% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 6,419 |
| Loan loss allowance to noncurrent loans | 11.8680% | 7,460 |
| Noncurrent assets plus other real estate owned to assets | 6.0899% | 791 |
| Noncurrent loans to loans | 8.2160% | 527 |
| Net loans and leases to total assets | 73.2743% | 2,891 |
| Net loans and leases to deposits | 81.1099% | 4,372 |
| Net loans and leases to core deposits | 99.7470% | 4,533 |
| Total domestic deposits to total assets | 90.3395% | 687 |
| Equity capital to assets | 8.8093% | 5,584 |
| Core capital (leverage) ratio | 8.5378% | 5,373 |
| Tier 1 risk-based capital ratio | 12.2768% | 4,699 |
| Total risk-based capital ratio | 13.2846% | 4,812 |
| Memoranda: | ||
| Average total assets | $304,089,000 | 2,231 |
| Average earning assets | $288,463,330 | 2,178 |
| Average equity | $26,210,670 | 2,542 |
| Average total loans | $214,728,000 | 2,201 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1819% | 6,366 |
| Cost of funding earning assets | 2.1731% | 3,307 |
| Net interest margin | 3.0087% | 6,461 |
| Noninterest income to average assets | 0.2705% | 6,273 |
| Noninterest expense to average assets | 2.6500% | 5,219 |
| Loan and lease loss provision to assets | 0.2926% | 3,613 |
| Net operating income to assets | 0.2523% | 5,478 |
| Return on assets (ROA) | 0.2536% | 5,637 |
| Pretax return on assets | 0.1898% | 5,967 |
| Return on Equity (ROE) | 2.9733% | 5,380 |
| Retained earnings to average equity (ytd only) | -1.8450% | 6,071 |
| Net charge-offs to loans | 0.0302% | 5,100 |
| Credit loss provision to net charge-offs | 1,406.2500% | 450 |
| Earnings coverage of net charge-offs (x) | 23.1250% | 1,287 |
| Efficiency ratio | 84.6346% | 2,234 |
| Assets per employee ($millions) | 3.7560% | 4,212 |
| Cash dividends to net income (ytd only)* | 162.0513% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,278 |
| Loan loss allowance to noncurrent loans | 16.6509% | 7,331 |
| Noncurrent assets plus other real estate owned to assets | 4.0203% | 1,276 |
| Noncurrent loans to loans | 5.9242% | 817 |
| Net loans and leases to total assets | 67.1926% | 4,306 |
| Net loans and leases to deposits | 74.0518% | 5,469 |
| Net loans and leases to core deposits | 94.0156% | 5,147 |
| Total domestic deposits to total assets | 90.7373% | 498 |
| Equity capital to assets | 8.2903% | 6,411 |
| Core capital (leverage) ratio | 8.5200% | 5,489 |
| Tier 1 risk-based capital ratio | 12.2509% | 4,745 |
| Total risk-based capital ratio | 13.2418% | 4,857 |
| Memoranda: | ||
| Average total assets | $307,626,500 | 2,230 |
| Average earning assets | $292,482,000 | 2,172 |
| Average equity | $26,233,500 | 2,552 |
| Average total loans | $212,203,000 | 2,246 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9097% | 5,991 |
| Cost of funding earning assets | 2.0342% | 6,306 |
| Net interest margin | 3.8754% | 3,678 |
| Noninterest income to average assets | 0.3746% | 5,699 |
| Noninterest expense to average assets | 3.0283% | 3,978 |
| Loan and lease loss provision to assets | 0.1136% | 5,919 |
| Net operating income to assets | 0.6877% | 3,945 |
| Return on assets (ROA) | 0.6896% | 3,774 |
| Pretax return on assets | 0.8592% | 3,854 |
| Return on Equity (ROE) | 6.7834% | 3,630 |
| Retained earnings to average equity (ytd only) | 1.9359% | 4,028 |
| Net charge-offs to loans | 0.0950% | 5,375 |
| Credit loss provision to net charge-offs | 166.8571% | 3,078 |
| Earnings coverage of net charge-offs (x) | 14.2571% | 2,054 |
| Efficiency ratio | 75.7319% | 3,280 |
| Assets per employee ($millions) | 4.5417% | 2,551 |
| Cash dividends to net income (ytd only)* | 71.4608% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 6,654 |
| Loan loss allowance to noncurrent loans | 27.4524% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 2.3126% | 2,107 |
| Noncurrent loans to loans | 3.2962% | 1,577 |
| Net loans and leases to total assets | 69.5234% | 4,134 |
| Net loans and leases to deposits | 77.0309% | 5,471 |
| Net loans and leases to core deposits | 95.9281% | 5,263 |
| Total domestic deposits to total assets | 90.2539% | 566 |
| Equity capital to assets | 8.7776% | 5,692 |
| Core capital (leverage) ratio | 9.3891% | 4,173 |
| Tier 1 risk-based capital ratio | 12.8831% | 4,173 |
| Total risk-based capital ratio | 13.8169% | 4,299 |
| Memoranda: | ||
| Average total assets | $257,103,800 | 2,491 |
| Average earning assets | $240,436,600 | 2,451 |
| Average equity | $26,137,200 | 2,544 |
| Average total loans | $184,130,800 | 2,457 |