Home > Community Bank of Broward > Performance and Condition Ratios
Community Bank of Broward, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 1,773 |
| Cost of funding earning assets | 0.3796% | 3,914 |
| Net interest margin | 4.1455% | 1,448 |
| Noninterest income to average assets | 0.4251% | 4,005 |
| Noninterest expense to average assets | 3.3106% | 1,903 |
| Loan and lease loss provision to assets | 0.0613% | 3,292 |
| Net operating income to assets | 0.6005% | 4,365 |
| Return on assets (ROA) | 0.6005% | 4,461 |
| Pretax return on assets | 0.9719% | 3,608 |
| Return on Equity (ROE) | 6.6394% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.9754% | 1,944 |
| Net charge-offs to loans | 0.0328% | 4,175 |
| Credit loss provision to net charge-offs | 220.5882% | 1,133 |
| Earnings coverage of net charge-offs (x) | 37.1912% | 1,152 |
| Efficiency ratio | 76.2156% | 2,477 |
| Assets per employee ($millions) | 5.7944% | 1,530 |
| Cash dividends to net income (ytd only)* | 10.0000% | 4,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 2,317 |
| Loan loss allowance to noncurrent loans | 70.7787% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.8337% | 1,414 |
| Noncurrent loans to loans | 2.1700% | 1,240 |
| Net loans and leases to total assets | 83.2039% | 411 |
| Net loans and leases to deposits | 97.3816% | 801 |
| Net loans and leases to core deposits | 101.3666% | 1,289 |
| Total domestic deposits to total assets | 85.4411% | 3,108 |
| Equity capital to assets | 9.4999% | 4,725 |
| Core capital (leverage) ratio | 9.2415% | 4,615 |
| Tier 1 risk-based capital ratio | 10.9162% | 5,940 |
| Total risk-based capital ratio | 13.3491% | 5,203 |
| Memoranda: | ||
| Average total assets | $489,581,000 | 1,359 |
| Average earning assets | $462,796,400 | 1,326 |
| Average equity | $44,281,400 | 1,629 |
| Average total loans | $414,164,800 | 1,064 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 2,028 |
| Cost of funding earning assets | 0.3733% | 4,092 |
| Net interest margin | 4.0837% | 1,629 |
| Noninterest income to average assets | 0.4185% | 4,110 |
| Noninterest expense to average assets | 3.0705% | 2,560 |
| Loan and lease loss provision to assets | 0.0136% | 4,145 |
| Net operating income to assets | 0.7383% | 3,734 |
| Return on assets (ROA) | 0.7383% | 3,842 |
| Pretax return on assets | 1.1925% | 2,805 |
| Return on Equity (ROE) | 8.2661% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.5963% | 1,535 |
| Net charge-offs to loans | 0.0238% | 4,039 |
| Credit loss provision to net charge-offs | 67.5676% | 2,809 |
| Earnings coverage of net charge-offs (x) | 59.9350% | 861 |
| Efficiency ratio | 71.7983% | 3,222 |
| Assets per employee ($millions) | 5.9488% | 1,365 |
| Cash dividends to net income (ytd only)* | 8.1032% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 3,056 |
| Loan loss allowance to noncurrent loans | 103.9695% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 2,342 |
| Noncurrent loans to loans | 1.3709% | 2,366 |
| Net loans and leases to total assets | 84.8270% | 272 |
| Net loans and leases to deposits | 100.1628% | 604 |
| Net loans and leases to core deposits | 104.6173% | 1,060 |
| Total domestic deposits to total assets | 84.6891% | 3,459 |
| Equity capital to assets | 9.0806% | 5,264 |
| Core capital (leverage) ratio | 9.2002% | 4,789 |
| Tier 1 risk-based capital ratio | 10.2664% | 6,280 |
| Total risk-based capital ratio | 12.6453% | 5,774 |
| Memoranda: | ||
| Average total assets | $490,293,000 | 1,368 |
| Average earning assets | $463,201,500 | 1,331 |
| Average equity | $43,792,000 | 1,652 |
| Average total loans | $414,881,500 | 1,059 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 2,032 |
| Cost of funding earning assets | 0.3691% | 4,225 |
| Net interest margin | 4.0716% | 1,602 |
| Noninterest income to average assets | 0.4167% | 4,120 |
| Noninterest expense to average assets | 3.0963% | 2,513 |
| Loan and lease loss provision to assets | 0.0205% | 3,861 |
| Net operating income to assets | 0.7061% | 3,805 |
| Return on assets (ROA) | 0.7061% | 3,897 |
| Pretax return on assets | 1.1405% | 2,927 |
| Return on Equity (ROE) | 7.9512% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.2716% | 1,633 |
| Net charge-offs to loans | 0.0259% | 3,681 |
| Credit loss provision to net charge-offs | 94.3396% | 2,106 |
| Earnings coverage of net charge-offs (x) | 53.3585% | 876 |
| Efficiency ratio | 72.7290% | 3,207 |
| Assets per employee ($millions) | 5.6683% | 1,551 |
| Cash dividends to net income (ytd only)* | 8.5465% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 2,950 |
| Loan loss allowance to noncurrent loans | 101.2346% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.5250% | 2,139 |
| Noncurrent loans to loans | 1.4721% | 2,349 |
| Net loans and leases to total assets | 83.3965% | 345 |
| Net loans and leases to deposits | 96.9512% | 742 |
| Net loans and leases to core deposits | 101.3434% | 1,183 |
| Total domestic deposits to total assets | 86.0190% | 3,027 |
| Equity capital to assets | 9.1062% | 5,198 |
| Core capital (leverage) ratio | 9.0547% | 4,933 |
| Tier 1 risk-based capital ratio | 10.3133% | 6,306 |
| Total risk-based capital ratio | 12.7247% | 5,767 |
| Memoranda: | ||
| Average total assets | $487,156,670 | 1,378 |
| Average earning assets | $459,526,330 | 1,335 |
| Average equity | $43,264,000 | 1,654 |
| Average total loans | $409,838,330 | 1,064 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,005 |
| Cost of funding earning assets | 0.3466% | 4,571 |
| Net interest margin | 4.0899% | 1,491 |
| Noninterest income to average assets | 0.4049% | 4,150 |
| Noninterest expense to average assets | 3.0505% | 2,694 |
| Loan and lease loss provision to assets | 0.0205% | 3,559 |
| Net operating income to assets | 0.7384% | 3,496 |
| Return on assets (ROA) | 0.7384% | 3,578 |
| Pretax return on assets | 1.1918% | 2,516 |
| Return on Equity (ROE) | 8.4213% | 2,726 |
| Retained earnings to average equity (ytd only) | 7.7375% | 1,707 |
| Net charge-offs to loans | -0.0274% | 5,507 |
| Credit loss provision to net charge-offs | -89.2857% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5607% | 3,570 |
| Assets per employee ($millions) | 5.7270% | 1,513 |
| Cash dividends to net income (ytd only)* | 8.1201% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 3,070 |
| Loan loss allowance to noncurrent loans | 78.3388% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.8872% | 1,825 |
| Noncurrent loans to loans | 1.9377% | 1,941 |
| Net loans and leases to total assets | 81.7483% | 376 |
| Net loans and leases to deposits | 96.0754% | 652 |
| Net loans and leases to core deposits | 100.2707% | 1,083 |
| Total domestic deposits to total assets | 85.0877% | 3,829 |
| Equity capital to assets | 8.7811% | 5,359 |
| Core capital (leverage) ratio | 8.9605% | 5,071 |
| Tier 1 risk-based capital ratio | 10.0712% | 6,457 |
| Total risk-based capital ratio | 12.7114% | 5,888 |
| Memoranda: | ||
| Average total assets | $487,000,000 | 1,388 |
| Average earning assets | $459,381,000 | 1,342 |
| Average equity | $42,701,000 | 1,667 |
| Average total loans | $408,416,000 | 1,072 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 2,495 |
| Cost of funding earning assets | 0.4503% | 4,107 |
| Net interest margin | 3.9737% | 2,022 |
| Noninterest income to average assets | 0.3010% | 5,195 |
| Noninterest expense to average assets | 3.1336% | 2,633 |
| Loan and lease loss provision to assets | 0.1529% | 2,366 |
| Net operating income to assets | 0.4619% | 4,904 |
| Return on assets (ROA) | 0.4619% | 5,034 |
| Pretax return on assets | 0.7262% | 4,434 |
| Return on Equity (ROE) | 5.3333% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.1543% | 2,500 |
| Net charge-offs to loans | 0.4238% | 1,578 |
| Credit loss provision to net charge-offs | 44.4580% | 3,952 |
| Earnings coverage of net charge-offs (x) | 2.5560% | 4,154 |
| Efficiency ratio | 78.0916% | 2,456 |
| Assets per employee ($millions) | 5.7318% | 1,454 |
| Cash dividends to net income (ytd only)* | 3.3560% | 4,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 3,139 |
| Loan loss allowance to noncurrent loans | 34.8592% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 4.0501% | 651 |
| Noncurrent loans to loans | 4.3263% | 630 |
| Net loans and leases to total assets | 83.4606% | 292 |
| Net loans and leases to deposits | 98.0899% | 583 |
| Net loans and leases to core deposits | 102.0256% | 1,028 |
| Total domestic deposits to total assets | 85.0858% | 3,699 |
| Equity capital to assets | 8.7550% | 5,304 |
| Core capital (leverage) ratio | 8.8937% | 5,150 |
| Tier 1 risk-based capital ratio | 9.8374% | 6,552 |
| Total risk-based capital ratio | 12.4722% | 6,012 |
| Memoranda: | ||
| Average total assets | $477,408,000 | 1,391 |
| Average earning assets | $445,929,800 | 1,360 |
| Average equity | $41,343,800 | 1,690 |
| Average total loans | $387,458,400 | 1,101 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 2,567 |
| Cost of funding earning assets | 0.4604% | 4,167 |
| Net interest margin | 3.9489% | 2,119 |
| Noninterest income to average assets | 0.2981% | 5,311 |
| Noninterest expense to average assets | 3.1175% | 2,598 |
| Loan and lease loss provision to assets | 0.1833% | 1,982 |
| Net operating income to assets | 0.4316% | 5,104 |
| Return on assets (ROA) | 0.4316% | 5,254 |
| Pretax return on assets | 0.6773% | 4,755 |
| Return on Equity (ROE) | 4.9973% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.9973% | 3,089 |
| Net charge-offs to loans | 0.5405% | 1,179 |
| Credit loss provision to net charge-offs | 42.2581% | 3,662 |
| Earnings coverage of net charge-offs (x) | 1.9839% | 4,164 |
| Efficiency ratio | 78.3664% | 2,364 |
| Assets per employee ($millions) | 5.6866% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,204 |
| Loan loss allowance to noncurrent loans | 39.7475% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 4.1634% | 747 |
| Noncurrent loans to loans | 3.9146% | 907 |
| Net loans and leases to total assets | 80.7631% | 480 |
| Net loans and leases to deposits | 96.2091% | 675 |
| Net loans and leases to core deposits | 99.8700% | 1,124 |
| Total domestic deposits to total assets | 83.9454% | 4,209 |
| Equity capital to assets | 8.6323% | 5,589 |
| Core capital (leverage) ratio | 8.8598% | 5,308 |
| Tier 1 risk-based capital ratio | 9.8753% | 6,622 |
| Total risk-based capital ratio | 12.5392% | 6,116 |
| Memoranda: | ||
| Average total assets | $476,391,250 | 1,401 |
| Average earning assets | $443,955,750 | 1,379 |
| Average equity | $41,141,500 | 1,710 |
| Average total loans | $382,324,250 | 1,120 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 2,491 |
| Cost of funding earning assets | 0.4800% | 4,097 |
| Net interest margin | 3.9403% | 2,075 |
| Noninterest income to average assets | 0.2911% | 5,372 |
| Noninterest expense to average assets | 3.1017% | 2,658 |
| Loan and lease loss provision to assets | 0.2447% | 1,524 |
| Net operating income to assets | 0.3949% | 5,235 |
| Return on assets (ROA) | 0.3949% | 5,399 |
| Pretax return on assets | 0.6193% | 4,951 |
| Return on Equity (ROE) | 4.5718% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.5718% | 3,363 |
| Net charge-offs to loans | 0.7209% | 902 |
| Credit loss provision to net charge-offs | 42.6157% | 3,369 |
| Earnings coverage of net charge-offs (x) | 1.5048% | 4,029 |
| Efficiency ratio | 78.2128% | 2,425 |
| Assets per employee ($millions) | 5.5868% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 2,904 |
| Loan loss allowance to noncurrent loans | 38.8069% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 4.4586% | 740 |
| Noncurrent loans to loans | 4.2982% | 851 |
| Net loans and leases to total assets | 78.9390% | 640 |
| Net loans and leases to deposits | 91.9821% | 964 |
| Net loans and leases to core deposits | 95.8819% | 1,369 |
| Total domestic deposits to total assets | 85.8200% | 3,466 |
| Equity capital to assets | 8.7218% | 5,519 |
| Core capital (leverage) ratio | 8.7076% | 5,411 |
| Tier 1 risk-based capital ratio | 9.9674% | 6,642 |
| Total risk-based capital ratio | 12.6659% | 6,115 |
| Memoranda: | ||
| Average total assets | $474,069,330 | 1,404 |
| Average earning assets | $442,096,330 | 1,382 |
| Average equity | $40,947,000 | 1,719 |
| Average total loans | $377,584,330 | 1,129 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 2,538 |
| Cost of funding earning assets | 0.4992% | 4,102 |
| Net interest margin | 3.8968% | 2,129 |
| Noninterest income to average assets | 0.2233% | 5,883 |
| Noninterest expense to average assets | 3.0735% | 2,758 |
| Loan and lease loss provision to assets | 0.1469% | 2,408 |
| Net operating income to assets | 0.4038% | 5,117 |
| Return on assets (ROA) | 0.4038% | 5,261 |
| Pretax return on assets | 0.6338% | 4,826 |
| Return on Equity (ROE) | 4.6978% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.6978% | 3,420 |
| Net charge-offs to loans | 0.3587% | 1,565 |
| Credit loss provision to net charge-offs | 51.6224% | 2,578 |
| Earnings coverage of net charge-offs (x) | 2.7434% | 2,956 |
| Efficiency ratio | 79.7430% | 2,373 |
| Assets per employee ($millions) | 5.8819% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 2,501 |
| Loan loss allowance to noncurrent loans | 31.5244% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 5.2858% | 664 |
| Noncurrent loans to loans | 5.8232% | 584 |
| Net loans and leases to total assets | 75.5900% | 893 |
| Net loans and leases to deposits | 88.1560% | 1,133 |
| Net loans and leases to core deposits | 91.5707% | 1,549 |
| Total domestic deposits to total assets | 85.7457% | 3,662 |
| Equity capital to assets | 8.4296% | 6,074 |
| Core capital (leverage) ratio | 8.6838% | 5,352 |
| Tier 1 risk-based capital ratio | 9.9774% | 6,696 |
| Total risk-based capital ratio | 12.9398% | 6,067 |
| Memoranda: | ||
| Average total assets | $476,457,000 | 1,411 |
| Average earning assets | $443,953,500 | 1,389 |
| Average equity | $40,955,000 | 1,745 |
| Average total loans | $378,006,500 | 1,130 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 2,602 |
| Cost of funding earning assets | 0.6528% | 3,894 |
| Net interest margin | 4.0453% | 2,217 |
| Noninterest income to average assets | 0.3679% | 4,845 |
| Noninterest expense to average assets | 3.1576% | 2,744 |
| Loan and lease loss provision to assets | 0.3228% | 2,109 |
| Net operating income to assets | 0.3884% | 5,145 |
| Return on assets (ROA) | 0.4119% | 5,309 |
| Pretax return on assets | 0.6453% | 4,836 |
| Return on Equity (ROE) | 4.8162% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.8162% | 2,835 |
| Net charge-offs to loans | 0.6237% | 1,881 |
| Credit loss provision to net charge-offs | 62.5468% | 4,381 |
| Earnings coverage of net charge-offs (x) | 1.8048% | 4,529 |
| Efficiency ratio | 77.2216% | 2,560 |
| Assets per employee ($millions) | 5.5990% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 2,420 |
| Loan loss allowance to noncurrent loans | 29.2051% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 7.1431% | 426 |
| Noncurrent loans to loans | 6.3647% | 536 |
| Net loans and leases to total assets | 80.2679% | 447 |
| Net loans and leases to deposits | 94.1508% | 741 |
| Net loans and leases to core deposits | 98.0089% | 1,148 |
| Total domestic deposits to total assets | 85.2547% | 3,739 |
| Equity capital to assets | 8.7703% | 5,771 |
| Core capital (leverage) ratio | 8.5876% | 5,478 |
| Tier 1 risk-based capital ratio | 9.6840% | 6,773 |
| Total risk-based capital ratio | 12.6167% | 6,154 |
| Memoranda: | ||
| Average total assets | $465,639,800 | 1,419 |
| Average earning assets | $428,321,400 | 1,410 |
| Average equity | $39,823,600 | 1,749 |
| Average total loans | $385,294,200 | 1,084 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 2,450 |
| Cost of funding earning assets | 0.6839% | 3,907 |
| Net interest margin | 4.0993% | 2,088 |
| Noninterest income to average assets | 0.4805% | 4,060 |
| Noninterest expense to average assets | 3.1230% | 2,817 |
| Loan and lease loss provision to assets | 0.3935% | 1,628 |
| Net operating income to assets | 0.4649% | 4,974 |
| Return on assets (ROA) | 0.4963% | 5,126 |
| Pretax return on assets | 0.7802% | 4,561 |
| Return on Equity (ROE) | 5.8397% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.8397% | 2,799 |
| Net charge-offs to loans | 0.7101% | 1,559 |
| Credit loss provision to net charge-offs | 66.7800% | 3,989 |
| Earnings coverage of net charge-offs (x) | 1.9087% | 4,306 |
| Efficiency ratio | 73.5211% | 3,062 |
| Assets per employee ($millions) | 5.7479% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 2,305 |
| Loan loss allowance to noncurrent loans | 25.7125% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 7.5977% | 429 |
| Noncurrent loans to loans | 7.6049% | 438 |
| Net loans and leases to total assets | 77.4564% | 798 |
| Net loans and leases to deposits | 90.7613% | 1,072 |
| Net loans and leases to core deposits | 93.3552% | 1,641 |
| Total domestic deposits to total assets | 85.3408% | 3,593 |
| Equity capital to assets | 8.6343% | 6,151 |
| Core capital (leverage) ratio | 8.6752% | 5,508 |
| Tier 1 risk-based capital ratio | 10.1741% | 6,759 |
| Total risk-based capital ratio | 13.2022% | 5,951 |
| Memoranda: | ||
| Average total assets | $465,870,750 | 1,434 |
| Average earning assets | $428,128,000 | 1,425 |
| Average equity | $39,590,250 | 1,772 |
| Average total loans | $386,597,000 | 1,090 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 2,270 |
| Cost of funding earning assets | 0.7188% | 3,869 |
| Net interest margin | 4.1406% | 1,940 |
| Noninterest income to average assets | 0.4409% | 4,363 |
| Noninterest expense to average assets | 3.1729% | 2,676 |
| Loan and lease loss provision to assets | 0.3879% | 1,691 |
| Net operating income to assets | 0.4213% | 5,143 |
| Return on assets (ROA) | 0.4685% | 5,204 |
| Pretax return on assets | 0.7473% | 4,669 |
| Return on Equity (ROE) | 5.5429% | 4,565 |
| Retained earnings to average equity (ytd only) | 5.5429% | 2,968 |
| Net charge-offs to loans | 0.6935% | 1,596 |
| Credit loss provision to net charge-offs | 66.3228% | 3,654 |
| Earnings coverage of net charge-offs (x) | 1.8150% | 4,071 |
| Efficiency ratio | 74.9313% | 2,909 |
| Assets per employee ($millions) | 5.6477% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 2,406 |
| Loan loss allowance to noncurrent loans | 25.8932% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 7.9377% | 435 |
| Noncurrent loans to loans | 7.4968% | 487 |
| Net loans and leases to total assets | 82.9069% | 270 |
| Net loans and leases to deposits | 98.6411% | 492 |
| Net loans and leases to core deposits | 106.1236% | 736 |
| Total domestic deposits to total assets | 84.0491% | 4,304 |
| Equity capital to assets | 8.7152% | 6,008 |
| Core capital (leverage) ratio | 8.5824% | 5,542 |
| Tier 1 risk-based capital ratio | 9.7105% | 6,886 |
| Total risk-based capital ratio | 12.6863% | 6,231 |
| Memoranda: | ||
| Average total assets | $464,052,000 | 1,437 |
| Average earning assets | $425,160,670 | 1,440 |
| Average equity | $39,221,670 | 1,772 |
| Average total loans | $391,344,670 | 1,079 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 2,534 |
| Cost of funding earning assets | 0.7611% | 3,778 |
| Net interest margin | 4.0661% | 2,228 |
| Noninterest income to average assets | 0.4802% | 4,061 |
| Noninterest expense to average assets | 3.0487% | 3,088 |
| Loan and lease loss provision to assets | 0.5349% | 1,117 |
| Net operating income to assets | 0.3800% | 5,348 |
| Return on assets (ROA) | 0.3800% | 5,533 |
| Pretax return on assets | 0.6094% | 5,086 |
| Return on Equity (ROE) | 4.5658% | 5,007 |
| Retained earnings to average equity (ytd only) | 4.5658% | 3,843 |
| Net charge-offs to loans | 0.8058% | 1,275 |
| Credit loss provision to net charge-offs | 78.8146% | 2,740 |
| Earnings coverage of net charge-offs (x) | 1.6860% | 3,489 |
| Efficiency ratio | 72.7087% | 3,307 |
| Assets per employee ($millions) | 5.7285% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 2,349 |
| Loan loss allowance to noncurrent loans | 22.4452% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 9.4336% | 344 |
| Noncurrent loans to loans | 8.9123% | 391 |
| Net loans and leases to total assets | 82.3217% | 261 |
| Net loans and leases to deposits | 96.4630% | 511 |
| Net loans and leases to core deposits | 100.4412% | 965 |
| Total domestic deposits to total assets | 85.3402% | 3,862 |
| Equity capital to assets | 8.4410% | 6,134 |
| Core capital (leverage) ratio | 8.4382% | 5,694 |
| Tier 1 risk-based capital ratio | 9.3249% | 6,989 |
| Total risk-based capital ratio | 12.5028% | 6,397 |
| Memoranda: | ||
| Average total assets | $467,345,500 | 1,435 |
| Average earning assets | $426,744,000 | 1,438 |
| Average equity | $38,898,000 | 1,787 |
| Average total loans | $393,628,000 | 1,075 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 3,155 |
| Cost of funding earning assets | 0.9242% | 3,927 |
| Net interest margin | 4.0160% | 2,807 |
| Noninterest income to average assets | 0.0290% | 6,905 |
| Noninterest expense to average assets | 3.1120% | 3,157 |
| Loan and lease loss provision to assets | 1.0687% | 857 |
| Net operating income to assets | -0.2844% | 6,329 |
| Return on assets (ROA) | -0.2301% | 6,351 |
| Pretax return on assets | -0.3804% | 6,411 |
| Return on Equity (ROE) | -2.8215% | 6,393 |
| Retained earnings to average equity (ytd only) | -3.3146% | 6,315 |
| Net charge-offs to loans | 1.4230% | 1,145 |
| Credit loss provision to net charge-offs | 89.8084% | 4,006 |
| Earnings coverage of net charge-offs (x) | 0.5071% | 5,449 |
| Efficiency ratio | 83.7574% | 1,790 |
| Assets per employee ($millions) | 5.8109% | 1,360 |
| Cash dividends to net income (ytd only)* | -17.4775% | 7,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 2,265 |
| Loan loss allowance to noncurrent loans | 26.6032% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 8.8200% | 417 |
| Noncurrent loans to loans | 7.5325% | 555 |
| Net loans and leases to total assets | 82.7552% | 286 |
| Net loans and leases to deposits | 96.4034% | 655 |
| Net loans and leases to core deposits | 101.1959% | 1,078 |
| Total domestic deposits to total assets | 85.8426% | 3,407 |
| Equity capital to assets | 8.2070% | 6,431 |
| Core capital (leverage) ratio | 8.0016% | 6,268 |
| Tier 1 risk-based capital ratio | 8.9702% | 7,038 |
| Total risk-based capital ratio | 12.0979% | 6,516 |
| Memoranda: | ||
| Average total assets | $482,359,600 | 1,381 |
| Average earning assets | $442,774,000 | 1,364 |
| Average equity | $39,341,200 | 1,716 |
| Average total loans | $403,378,200 | 1,057 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 3,481 |
| Cost of funding earning assets | 0.9469% | 4,069 |
| Net interest margin | 3.9698% | 3,053 |
| Noninterest income to average assets | 0.0143% | 7,066 |
| Noninterest expense to average assets | 3.1585% | 2,966 |
| Loan and lease loss provision to assets | 1.1449% | 701 |
| Net operating income to assets | -0.3950% | 6,576 |
| Return on assets (ROA) | -0.3231% | 6,576 |
| Pretax return on assets | -0.5286% | 6,638 |
| Return on Equity (ROE) | -3.9676% | 6,630 |
| Retained earnings to average equity (ytd only) | -4.4568% | 6,557 |
| Net charge-offs to loans | 1.7948% | 746 |
| Credit loss provision to net charge-offs | 76.4587% | 4,262 |
| Earnings coverage of net charge-offs (x) | 0.3365% | 5,359 |
| Efficiency ratio | 86.2416% | 1,510 |
| Assets per employee ($millions) | 5.7168% | 1,413 |
| Cash dividends to net income (ytd only)* | -12.3300% | 7,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 2,868 |
| Loan loss allowance to noncurrent loans | 21.9216% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 9.1607% | 425 |
| Noncurrent loans to loans | 8.3012% | 517 |
| Net loans and leases to total assets | 82.6296% | 313 |
| Net loans and leases to deposits | 96.4177% | 676 |
| Net loans and leases to core deposits | 102.9990% | 1,037 |
| Total domestic deposits to total assets | 85.6997% | 3,384 |
| Equity capital to assets | 8.1458% | 6,604 |
| Core capital (leverage) ratio | 7.9770% | 6,420 |
| Tier 1 risk-based capital ratio | 8.8948% | 7,125 |
| Total risk-based capital ratio | 12.0071% | 6,663 |
| Memoranda: | ||
| Average total assets | $485,279,250 | 1,380 |
| Average earning assets | $445,957,500 | 1,372 |
| Average equity | $39,519,250 | 1,716 |
| Average total loans | $404,853,250 | 1,057 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 3,457 |
| Cost of funding earning assets | 0.9855% | 4,048 |
| Net interest margin | 3.9514% | 3,084 |
| Noninterest income to average assets | 0.0376% | 7,086 |
| Noninterest expense to average assets | 3.1100% | 3,215 |
| Loan and lease loss provision to assets | 0.3580% | 2,640 |
| Net operating income to assets | 0.1287% | 5,939 |
| Return on assets (ROA) | 0.1808% | 5,904 |
| Pretax return on assets | 0.2798% | 5,710 |
| Return on Equity (ROE) | 2.2206% | 5,714 |
| Retained earnings to average equity (ytd only) | 1.7333% | 5,128 |
| Net charge-offs to loans | 1.0686% | 1,472 |
| Credit loss provision to net charge-offs | 40.2669% | 4,811 |
| Earnings coverage of net charge-offs (x) | 0.6272% | 4,829 |
| Efficiency ratio | 84.7964% | 1,725 |
| Assets per employee ($millions) | 5.5370% | 1,541 |
| Cash dividends to net income (ytd only)* | 21.9457% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 3,020 |
| Loan loss allowance to noncurrent loans | 20.7046% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 9.5472% | 427 |
| Noncurrent loans to loans | 8.6613% | 492 |
| Net loans and leases to total assets | 82.4431% | 342 |
| Net loans and leases to deposits | 96.1834% | 712 |
| Net loans and leases to core deposits | 103.1923% | 1,103 |
| Total domestic deposits to total assets | 85.7145% | 3,488 |
| Equity capital to assets | 8.3343% | 6,380 |
| Core capital (leverage) ratio | 8.1388% | 6,112 |
| Tier 1 risk-based capital ratio | 9.6968% | 7,058 |
| Total risk-based capital ratio | 13.1366% | 5,851 |
| Memoranda: | ||
| Average total assets | $488,875,000 | 1,374 |
| Average earning assets | $449,111,670 | 1,364 |
| Average equity | $39,808,670 | 1,683 |
| Average total loans | $406,691,670 | 1,060 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 3,389 |
| Cost of funding earning assets | 0.9838% | 4,318 |
| Net interest margin | 3.9502% | 2,911 |
| Noninterest income to average assets | 0.3688% | 4,961 |
| Noninterest expense to average assets | 3.1394% | 3,109 |
| Loan and lease loss provision to assets | 0.4874% | 1,803 |
| Net operating income to assets | 0.2372% | 5,654 |
| Return on assets (ROA) | 0.2372% | 5,722 |
| Pretax return on assets | 0.3720% | 5,422 |
| Return on Equity (ROE) | 2.9466% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.4521% | 4,684 |
| Net charge-offs to loans | 1.3182% | 1,047 |
| Credit loss provision to net charge-offs | 44.6429% | 3,858 |
| Earnings coverage of net charge-offs (x) | 0.7872% | 4,050 |
| Efficiency ratio | 78.5090% | 2,766 |
| Assets per employee ($millions) | 5.8200% | 1,324 |
| Cash dividends to net income (ytd only)* | 16.7808% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9456% | 2,555 |
| Loan loss allowance to noncurrent loans | 21.0467% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 9.7168% | 432 |
| Noncurrent loans to loans | 9.2440% | 469 |
| Net loans and leases to total assets | 78.6023% | 663 |
| Net loans and leases to deposits | 91.0224% | 1,118 |
| Net loans and leases to core deposits | 99.7007% | 1,367 |
| Total domestic deposits to total assets | 86.3549% | 3,303 |
| Equity capital to assets | 7.9484% | 6,547 |
| Core capital (leverage) ratio | 8.1909% | 5,981 |
| Tier 1 risk-based capital ratio | 9.6089% | 7,122 |
| Total risk-based capital ratio | 13.0370% | 5,877 |
| Memoranda: | ||
| Average total assets | $492,452,500 | 1,373 |
| Average earning assets | $452,538,000 | 1,369 |
| Average equity | $39,639,000 | 1,680 |
| Average total loans | $407,839,000 | 1,067 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 3,463 |
| Cost of funding earning assets | 1.1350% | 4,933 |
| Net interest margin | 4.0950% | 2,583 |
| Noninterest income to average assets | 0.5775% | 3,598 |
| Noninterest expense to average assets | 3.0646% | 3,613 |
| Loan and lease loss provision to assets | 1.2649% | 1,231 |
| Net operating income to assets | 0.0424% | 5,721 |
| Return on assets (ROA) | 0.0866% | 5,754 |
| Pretax return on assets | 0.1378% | 5,626 |
| Return on Equity (ROE) | 1.0595% | 5,672 |
| Retained earnings to average equity (ytd only) | 0.5754% | 5,293 |
| Net charge-offs to loans | 0.7223% | 2,851 |
| Credit loss provision to net charge-offs | 204.8306% | 1,516 |
| Earnings coverage of net charge-offs (x) | 2.1597% | 4,097 |
| Efficiency ratio | 69.6778% | 4,244 |
| Assets per employee ($millions) | 5.6324% | 1,469 |
| Cash dividends to net income (ytd only)* | 45.6938% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0630% | 2,147 |
| Loan loss allowance to noncurrent loans | 25.9610% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 8.8860% | 512 |
| Noncurrent loans to loans | 7.9463% | 658 |
| Net loans and leases to total assets | 83.7973% | 319 |
| Net loans and leases to deposits | 97.4934% | 752 |
| Net loans and leases to core deposits | 108.8054% | 997 |
| Total domestic deposits to total assets | 85.9518% | 3,384 |
| Equity capital to assets | 8.1536% | 6,315 |
| Core capital (leverage) ratio | 8.1160% | 5,985 |
| Tier 1 risk-based capital ratio | 9.4029% | 7,161 |
| Total risk-based capital ratio | 12.8005% | 5,868 |
| Memoranda: | ||
| Average total assets | $482,743,600 | 1,391 |
| Average earning assets | $450,401,400 | 1,355 |
| Average equity | $39,453,800 | 1,676 |
| Average total loans | $412,699,600 | 1,089 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 3,465 |
| Cost of funding earning assets | 1.1593% | 5,092 |
| Net interest margin | 4.1168% | 2,545 |
| Noninterest income to average assets | 0.5882% | 3,517 |
| Noninterest expense to average assets | 3.0175% | 3,679 |
| Loan and lease loss provision to assets | 1.4098% | 955 |
| Net operating income to assets | 0.0074% | 5,988 |
| Return on assets (ROA) | 0.0663% | 5,987 |
| Pretax return on assets | 0.1059% | 5,902 |
| Return on Equity (ROE) | 0.8113% | 5,946 |
| Retained earnings to average equity (ytd only) | 0.3279% | 5,657 |
| Net charge-offs to loans | 0.5521% | 3,100 |
| Credit loss provision to net charge-offs | 298.7698% | 1,070 |
| Earnings coverage of net charge-offs (x) | 3.0170% | 3,625 |
| Efficiency ratio | 67.9447% | 4,474 |
| Assets per employee ($millions) | 5.6074% | 1,527 |
| Cash dividends to net income (ytd only)* | 59.5831% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1179% | 1,958 |
| Loan loss allowance to noncurrent loans | 22.8932% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 9.0027% | 504 |
| Noncurrent loans to loans | 9.2514% | 502 |
| Net loans and leases to total assets | 84.5086% | 300 |
| Net loans and leases to deposits | 98.6187% | 753 |
| Net loans and leases to core deposits | 110.9584% | 984 |
| Total domestic deposits to total assets | 85.6922% | 3,243 |
| Equity capital to assets | 8.2195% | 6,596 |
| Core capital (leverage) ratio | 8.0839% | 6,220 |
| Tier 1 risk-based capital ratio | 9.3647% | 7,286 |
| Total risk-based capital ratio | 12.7637% | 5,906 |
| Memoranda: | ||
| Average total assets | $482,332,250 | 1,409 |
| Average earning assets | $451,412,250 | 1,373 |
| Average equity | $39,443,500 | 1,688 |
| Average total loans | $412,260,750 | 1,100 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 3,526 |
| Cost of funding earning assets | 1.1907% | 5,184 |
| Net interest margin | 4.0967% | 2,573 |
| Noninterest income to average assets | 0.6149% | 3,227 |
| Noninterest expense to average assets | 3.0496% | 3,525 |
| Loan and lease loss provision to assets | 1.1153% | 1,283 |
| Net operating income to assets | 0.1776% | 5,642 |
| Return on assets (ROA) | 0.2036% | 5,680 |
| Pretax return on assets | 0.3251% | 5,435 |
| Return on Equity (ROE) | 2.4937% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.0163% | 4,852 |
| Net charge-offs to loans | 0.3519% | 3,589 |
| Credit loss provision to net charge-offs | 372.0609% | 981 |
| Earnings coverage of net charge-offs (x) | 4.6694% | 2,886 |
| Efficiency ratio | 68.5397% | 4,469 |
| Assets per employee ($millions) | 5.5513% | 1,575 |
| Cash dividends to net income (ytd only)* | 19.1446% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,752 |
| Loan loss allowance to noncurrent loans | 27.8167% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 6.3899% | 889 |
| Noncurrent loans to loans | 6.4304% | 938 |
| Net loans and leases to total assets | 82.1481% | 515 |
| Net loans and leases to deposits | 95.7570% | 1,072 |
| Net loans and leases to core deposits | 107.6505% | 1,329 |
| Total domestic deposits to total assets | 85.7881% | 3,210 |
| Equity capital to assets | 8.1046% | 6,650 |
| Core capital (leverage) ratio | 8.1834% | 5,971 |
| Tier 1 risk-based capital ratio | 9.4573% | 7,277 |
| Total risk-based capital ratio | 13.0967% | 5,419 |
| Memoranda: | ||
| Average total assets | $482,365,000 | 1,422 |
| Average earning assets | $451,483,000 | 1,378 |
| Average equity | $39,379,000 | 1,688 |
| Average total loans | $410,898,670 | 1,114 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3322% | 3,380 |
| Cost of funding earning assets | 1.2203% | 5,278 |
| Net interest margin | 4.1119% | 2,392 |
| Noninterest income to average assets | 0.4835% | 4,173 |
| Noninterest expense to average assets | 3.0018% | 3,676 |
| Loan and lease loss provision to assets | 0.9981% | 1,251 |
| Net operating income to assets | 0.2082% | 5,654 |
| Return on assets (ROA) | 0.2082% | 5,775 |
| Pretax return on assets | 0.3333% | 5,515 |
| Return on Equity (ROE) | 2.5405% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.0693% | 4,889 |
| Net charge-offs to loans | 0.0029% | 5,582 |
| Credit loss provision to net charge-offs | 39,633.3333% | 3 |
| Earnings coverage of net charge-offs (x) | 528.6667% | 49 |
| Efficiency ratio | 69.2755% | 4,455 |
| Assets per employee ($millions) | 5.6304% | 1,556 |
| Cash dividends to net income (ytd only)* | 18.5484% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 3,444 |
| Loan loss allowance to noncurrent loans | 49.0867% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 3.5995% | 1,949 |
| Noncurrent loans to loans | 3.2598% | 2,449 |
| Net loans and leases to total assets | 82.9947% | 473 |
| Net loans and leases to deposits | 96.7163% | 1,024 |
| Net loans and leases to core deposits | 113.0033% | 1,095 |
| Total domestic deposits to total assets | 85.8126% | 3,255 |
| Equity capital to assets | 8.0528% | 6,598 |
| Core capital (leverage) ratio | 8.3064% | 5,728 |
| Tier 1 risk-based capital ratio | 9.4174% | 7,345 |
| Total risk-based capital ratio | 13.0581% | 5,331 |
| Memoranda: | ||
| Average total assets | $476,515,500 | 1,468 |
| Average earning assets | $446,119,500 | 1,423 |
| Average equity | $39,047,500 | 1,723 |
| Average total loans | $409,720,000 | 1,150 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7296% | 2,961 |
| Cost of funding earning assets | 1.7893% | 4,046 |
| Net interest margin | 3.9403% | 3,117 |
| Noninterest income to average assets | 0.3926% | 5,270 |
| Noninterest expense to average assets | 2.9694% | 4,268 |
| Loan and lease loss provision to assets | 0.6451% | 3,225 |
| Net operating income to assets | 0.3023% | 4,530 |
| Return on assets (ROA) | 0.3465% | 4,430 |
| Pretax return on assets | 0.5527% | 4,041 |
| Return on Equity (ROE) | 4.2628% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.0674% | 2,375 |
| Net charge-offs to loans | 0.3058% | 4,717 |
| Credit loss provision to net charge-offs | 240.7407% | 1,489 |
| Earnings coverage of net charge-offs (x) | 4.2123% | 3,019 |
| Efficiency ratio | 72.4572% | 4,190 |
| Assets per employee ($millions) | 5.3240% | 1,818 |
| Cash dividends to net income (ytd only)* | 4.5831% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,566 |
| Loan loss allowance to noncurrent loans | 63.9590% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.5497% | 2,743 |
| Noncurrent loans to loans | 2.0877% | 3,539 |
| Net loans and leases to total assets | 86.5437% | 246 |
| Net loans and leases to deposits | 103.6912% | 664 |
| Net loans and leases to core deposits | 132.6744% | 1,133 |
| Total domestic deposits to total assets | 83.4629% | 4,297 |
| Equity capital to assets | 8.3441% | 6,135 |
| Core capital (leverage) ratio | 8.2638% | 5,694 |
| Tier 1 risk-based capital ratio | 9.0531% | 7,450 |
| Total risk-based capital ratio | 12.6432% | 5,473 |
| Memoranda: | ||
| Average total assets | $453,430,800 | 1,526 |
| Average earning assets | $426,413,600 | 1,481 |
| Average equity | $36,853,800 | 1,825 |
| Average total loans | $397,264,400 | 1,212 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7672% | 3,034 |
| Cost of funding earning assets | 1.8525% | 4,136 |
| Net interest margin | 3.9147% | 3,182 |
| Noninterest income to average assets | 0.5112% | 4,398 |
| Noninterest expense to average assets | 2.9892% | 4,093 |
| Loan and lease loss provision to assets | 0.5534% | 3,168 |
| Net operating income to assets | 0.4076% | 4,367 |
| Return on assets (ROA) | 0.4452% | 4,319 |
| Pretax return on assets | 0.7107% | 3,820 |
| Return on Equity (ROE) | 5.5156% | 3,728 |
| Retained earnings to average equity (ytd only) | 5.3837% | 2,263 |
| Net charge-offs to loans | 0.2815% | 4,272 |
| Credit loss provision to net charge-offs | 224.4604% | 1,951 |
| Earnings coverage of net charge-offs (x) | 4.8885% | 2,984 |
| Efficiency ratio | 71.2644% | 4,372 |
| Assets per employee ($millions) | 5.3935% | 1,713 |
| Cash dividends to net income (ytd only)* | 2.3905% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 5,224 |
| Loan loss allowance to noncurrent loans | 107.7778% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.5809% | 3,984 |
| Noncurrent loans to loans | 1.0948% | 5,124 |
| Net loans and leases to total assets | 84.8283% | 449 |
| Net loans and leases to deposits | 98.8799% | 1,225 |
| Net loans and leases to core deposits | 129.0335% | 1,498 |
| Total domestic deposits to total assets | 85.7892% | 2,809 |
| Equity capital to assets | 8.1959% | 6,646 |
| Core capital (leverage) ratio | 8.2927% | 5,849 |
| Tier 1 risk-based capital ratio | 9.1340% | 7,568 |
| Total risk-based capital ratio | 12.6552% | 5,475 |
| Memoranda: | ||
| Average total assets | $450,991,250 | 1,551 |
| Average earning assets | $424,343,000 | 1,503 |
| Average equity | $36,405,000 | 1,869 |
| Average total loans | $395,009,000 | 1,232 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 3,035 |
| Cost of funding earning assets | 1.9203% | 4,162 |
| Net interest margin | 3.8813% | 3,202 |
| Noninterest income to average assets | 0.5120% | 4,338 |
| Noninterest expense to average assets | 3.0424% | 3,905 |
| Loan and lease loss provision to assets | 0.4999% | 3,037 |
| Net operating income to assets | 0.3902% | 4,554 |
| Return on assets (ROA) | 0.3902% | 4,652 |
| Pretax return on assets | 0.6204% | 4,271 |
| Return on Equity (ROE) | 4.8599% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.8263% | 2,616 |
| Net charge-offs to loans | 0.0922% | 5,261 |
| Credit loss provision to net charge-offs | 614.3646% | 752 |
| Earnings coverage of net charge-offs (x) | 13.7680% | 1,709 |
| Efficiency ratio | 73.0886% | 4,179 |
| Assets per employee ($millions) | 5.3171% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.6912% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 5,249 |
| Loan loss allowance to noncurrent loans | 116.6750% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5286% | 3,931 |
| Noncurrent loans to loans | 0.9888% | 5,228 |
| Net loans and leases to total assets | 87.0538% | 298 |
| Net loans and leases to deposits | 104.3371% | 889 |
| Net loans and leases to core deposits | 132.1679% | 1,425 |
| Total domestic deposits to total assets | 83.4351% | 4,046 |
| Equity capital to assets | 8.1617% | 6,545 |
| Core capital (leverage) ratio | 8.2855% | 5,826 |
| Tier 1 risk-based capital ratio | 8.8729% | 7,758 |
| Total risk-based capital ratio | 12.3681% | 5,675 |
| Memoranda: | ||
| Average total assets | $444,909,670 | 1,594 |
| Average earning assets | $418,468,330 | 1,547 |
| Average equity | $35,720,670 | 1,906 |
| Average total loans | $392,412,670 | 1,265 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8553% | 3,014 |
| Cost of funding earning assets | 2.0149% | 4,058 |
| Net interest margin | 3.8404% | 3,294 |
| Noninterest income to average assets | 0.5124% | 4,205 |
| Noninterest expense to average assets | 2.9959% | 3,786 |
| Loan and lease loss provision to assets | 0.6154% | 2,045 |
| Net operating income to assets | 0.3209% | 5,211 |
| Return on assets (ROA) | 0.3209% | 5,382 |
| Pretax return on assets | 0.5069% | 5,063 |
| Return on Equity (ROE) | 4.0320% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.0320% | 3,658 |
| Net charge-offs to loans | 0.0599% | 4,623 |
| Credit loss provision to net charge-offs | 1,163.7931% | 547 |
| Earnings coverage of net charge-offs (x) | 21.2241% | 1,343 |
| Efficiency ratio | 72.7474% | 4,050 |
| Assets per employee ($millions) | 5.1488% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,357 |
| Loan loss allowance to noncurrent loans | 399.6310% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 4,800 |
| Noncurrent loans to loans | 0.2792% | 6,740 |
| Net loans and leases to total assets | 86.7019% | 367 |
| Net loans and leases to deposits | 101.2039% | 1,259 |
| Net loans and leases to core deposits | 128.4650% | 1,749 |
| Total domestic deposits to total assets | 85.6705% | 2,884 |
| Equity capital to assets | 7.9746% | 6,851 |
| Core capital (leverage) ratio | 8.0185% | 6,415 |
| Tier 1 risk-based capital ratio | 8.6792% | 7,911 |
| Total risk-based capital ratio | 12.2258% | 5,826 |
| Memoranda: | ||
| Average total assets | $438,730,000 | 1,619 |
| Average earning assets | $411,934,000 | 1,580 |
| Average equity | $34,920,500 | 1,948 |
| Average total loans | $387,261,000 | 1,288 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5644% | 2,648 |
| Cost of funding earning assets | 2.5800% | 3,792 |
| Net interest margin | 3.9843% | 3,195 |
| Noninterest income to average assets | 0.5122% | 4,528 |
| Noninterest expense to average assets | 3.0635% | 3,847 |
| Loan and lease loss provision to assets | 0.2682% | 4,251 |
| Net operating income to assets | 0.5674% | 4,450 |
| Return on assets (ROA) | 0.5848% | 4,239 |
| Pretax return on assets | 0.9246% | 3,644 |
| Return on Equity (ROE) | 7.6872% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.6872% | 930 |
| Net charge-offs to loans | 0.0676% | 5,810 |
| Credit loss provision to net charge-offs | 452.0661% | 968 |
| Earnings coverage of net charge-offs (x) | 19.6446% | 1,615 |
| Efficiency ratio | 72.4374% | 3,855 |
| Assets per employee ($millions) | 5.1137% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 6,328 |
| Loan loss allowance to noncurrent loans | 163.5843% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 3,809 |
| Noncurrent loans to loans | 0.5879% | 5,614 |
| Net loans and leases to total assets | 88.0134% | 368 |
| Net loans and leases to deposits | 108.7333% | 920 |
| Net loans and leases to core deposits | 134.7781% | 1,550 |
| Total domestic deposits to total assets | 80.9443% | 4,663 |
| Equity capital to assets | 7.9440% | 6,913 |
| Core capital (leverage) ratio | 7.9352% | 6,591 |
| Tier 1 risk-based capital ratio | 8.4551% | 8,004 |
| Total risk-based capital ratio | 11.8414% | 6,016 |
| Memoranda: | ||
| Average total assets | $407,840,000 | 1,664 |
| Average earning assets | $380,463,800 | 1,636 |
| Average equity | $31,025,800 | 2,169 |
| Average total loans | $358,159,800 | 1,353 |