Home > Community Bank of Florida, Inc. > Performance and Condition Ratios
Community Bank of Florida, Inc., Performance and Condition Ratios
| 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 | 4.4367% | 1,782 |
| Cost of funding earning assets | 0.3199% | 4,032 |
| Net interest margin | 4.1168% | 1,371 |
| Noninterest income to average assets | 0.4887% | 3,403 |
| Noninterest expense to average assets | 3.5633% | 1,187 |
| Loan and lease loss provision to assets | 0.3113% | 535 |
| Net operating income to assets | 0.4362% | 4,933 |
| Return on assets (ROA) | 0.4277% | 5,040 |
| Pretax return on assets | 0.4277% | 5,266 |
| Return on Equity (ROE) | 4.4641% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.3231% | 2,900 |
| Net charge-offs to loans | 0.4080% | 698 |
| Credit loss provision to net charge-offs | 108.0750% | 2,334 |
| Earnings coverage of net charge-offs (x) | 2.5948% | 3,870 |
| Efficiency ratio | 82.6596% | 1,314 |
| Assets per employee ($millions) | 3.3438% | 5,077 |
| Cash dividends to net income (ytd only)* | 3.1569% | 4,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,755 |
| Loan loss allowance to noncurrent loans | 148.7486% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 2.5424% | 605 |
| Noncurrent loans to loans | 1.0495% | 2,236 |
| Net loans and leases to total assets | 68.0175% | 2,699 |
| Net loans and leases to deposits | 75.5014% | 3,318 |
| Net loans and leases to core deposits | 82.6059% | 3,084 |
| Total domestic deposits to total assets | 90.0877% | 597 |
| Equity capital to assets | 9.6062% | 4,428 |
| Core capital (leverage) ratio | 8.7756% | 5,136 |
| Tier 1 risk-based capital ratio | 12.1805% | 4,835 |
| Total risk-based capital ratio | 13.4416% | 4,732 |
| Memoranda: | ||
| Average total assets | $481,460,600 | 1,399 |
| Average earning assets | $446,996,400 | 1,386 |
| Average equity | $46,123,800 | 1,599 |
| Average total loans | $339,991,400 | 1,317 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 1,834 |
| Cost of funding earning assets | 0.3220% | 4,081 |
| Net interest margin | 4.1023% | 1,402 |
| Noninterest income to average assets | 0.6508% | 2,477 |
| Noninterest expense to average assets | 3.5065% | 1,273 |
| Loan and lease loss provision to assets | 0.4086% | 289 |
| Net operating income to assets | 0.5385% | 4,638 |
| Return on assets (ROA) | 0.5271% | 4,783 |
| Pretax return on assets | 0.5271% | 5,156 |
| Return on Equity (ROE) | 5.5058% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.3175% | 2,706 |
| Net charge-offs to loans | 0.5787% | 389 |
| Credit loss provision to net charge-offs | 99.4598% | 2,310 |
| Earnings coverage of net charge-offs (x) | 2.3052% | 3,689 |
| Efficiency ratio | 78.7343% | 1,853 |
| Assets per employee ($millions) | 3.2207% | 5,254 |
| Cash dividends to net income (ytd only)* | 3.4209% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 2,043 |
| Loan loss allowance to noncurrent loans | 99.4357% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 3.1804% | 447 |
| Noncurrent loans to loans | 1.5356% | 1,629 |
| Net loans and leases to total assets | 67.7624% | 2,715 |
| Net loans and leases to deposits | 75.3130% | 3,386 |
| Net loans and leases to core deposits | 82.6947% | 3,176 |
| Total domestic deposits to total assets | 89.9744% | 580 |
| Equity capital to assets | 9.6214% | 4,612 |
| Core capital (leverage) ratio | 8.7539% | 5,297 |
| Tier 1 risk-based capital ratio | 12.0476% | 5,053 |
| Total risk-based capital ratio | 13.3081% | 4,960 |
| Memoranda: | ||
| Average total assets | $480,612,500 | 1,409 |
| Average earning assets | $445,531,500 | 1,395 |
| Average equity | $46,010,750 | 1,612 |
| Average total loans | $341,235,500 | 1,318 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 1,782 |
| Cost of funding earning assets | 0.3234% | 4,112 |
| Net interest margin | 4.0974% | 1,359 |
| Noninterest income to average assets | 0.6756% | 2,320 |
| Noninterest expense to average assets | 3.5199% | 1,270 |
| Loan and lease loss provision to assets | 0.2540% | 678 |
| Net operating income to assets | 0.6973% | 3,902 |
| Return on assets (ROA) | 0.6973% | 4,021 |
| Pretax return on assets | 0.6973% | 4,663 |
| Return on Equity (ROE) | 7.2961% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.2961% | 1,573 |
| Net charge-offs to loans | 0.3558% | 739 |
| Credit loss provision to net charge-offs | 99.5090% | 2,084 |
| Earnings coverage of net charge-offs (x) | 3.7267% | 3,146 |
| Efficiency ratio | 78.7236% | 1,961 |
| Assets per employee ($millions) | 3.2354% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 2,267 |
| Loan loss allowance to noncurrent loans | 48.6309% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 3.7281% | 371 |
| Noncurrent loans to loans | 3.1002% | 626 |
| Net loans and leases to total assets | 67.5019% | 2,718 |
| Net loans and leases to deposits | 74.7655% | 3,403 |
| Net loans and leases to core deposits | 81.9778% | 3,179 |
| Total domestic deposits to total assets | 90.2848% | 544 |
| Equity capital to assets | 9.3841% | 4,804 |
| Core capital (leverage) ratio | 8.8100% | 5,217 |
| Tier 1 risk-based capital ratio | 11.6298% | 5,385 |
| Total risk-based capital ratio | 12.8894% | 5,298 |
| Memoranda: | ||
| Average total assets | $478,708,670 | 1,425 |
| Average earning assets | $443,451,670 | 1,413 |
| Average equity | $45,750,670 | 1,628 |
| Average total loans | $343,429,000 | 1,318 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,537 |
| Cost of funding earning assets | 0.3270% | 4,135 |
| Net interest margin | 4.1473% | 1,168 |
| Noninterest income to average assets | 0.7396% | 1,968 |
| Noninterest expense to average assets | 3.5312% | 1,242 |
| Loan and lease loss provision to assets | 0.3400% | 390 |
| Net operating income to assets | 0.7175% | 3,715 |
| Return on assets (ROA) | 0.7175% | 3,840 |
| Pretax return on assets | 0.7175% | 4,541 |
| Return on Equity (ROE) | 7.4362% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.4362% | 1,792 |
| Net charge-offs to loans | -0.0012% | 4,330 |
| Credit loss provision to net charge-offs | -40,000.0000% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9544% | 2,349 |
| Assets per employee ($millions) | 3.2822% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 2,054 |
| Loan loss allowance to noncurrent loans | 52.1842% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 4.0836% | 368 |
| Noncurrent loans to loans | 3.0644% | 692 |
| Net loans and leases to total assets | 70.8697% | 2,008 |
| Net loans and leases to deposits | 78.6679% | 2,719 |
| Net loans and leases to core deposits | 86.5833% | 2,485 |
| Total domestic deposits to total assets | 90.0871% | 703 |
| Equity capital to assets | 9.5800% | 4,659 |
| Core capital (leverage) ratio | 8.9003% | 5,071 |
| Tier 1 risk-based capital ratio | 11.3489% | 5,631 |
| Total risk-based capital ratio | 12.6021% | 5,541 |
| Memoranda: | ||
| Average total assets | $470,553,000 | 1,450 |
| Average earning assets | $436,718,000 | 1,438 |
| Average equity | $45,399,500 | 1,641 |
| Average total loans | $345,512,000 | 1,311 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 1,730 |
| Cost of funding earning assets | 0.4103% | 3,584 |
| Net interest margin | 4.1287% | 1,492 |
| Noninterest income to average assets | 0.7096% | 2,260 |
| Noninterest expense to average assets | 3.8408% | 928 |
| Loan and lease loss provision to assets | 0.1316% | 1,987 |
| Net operating income to assets | 0.5195% | 4,732 |
| Return on assets (ROA) | 0.5195% | 4,820 |
| Pretax return on assets | 0.5195% | 5,200 |
| Return on Equity (ROE) | 5.6396% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.6396% | 2,176 |
| Net charge-offs to loans | 0.2093% | 1,993 |
| Credit loss provision to net charge-offs | 88.5269% | 2,675 |
| Earnings coverage of net charge-offs (x) | 4.3796% | 3,670 |
| Efficiency ratio | 85.5060% | 1,231 |
| Assets per employee ($millions) | 3.2291% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 2,563 |
| Loan loss allowance to noncurrent loans | 61.8191% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 3.8494% | 451 |
| Noncurrent loans to loans | 2.3944% | 1,078 |
| Net loans and leases to total assets | 73.7691% | 1,626 |
| Net loans and leases to deposits | 81.9761% | 2,475 |
| Net loans and leases to core deposits | 90.6346% | 2,220 |
| Total domestic deposits to total assets | 89.9886% | 736 |
| Equity capital to assets | 9.7216% | 4,436 |
| Core capital (leverage) ratio | 8.2569% | 5,815 |
| Tier 1 risk-based capital ratio | 10.6481% | 6,042 |
| Total risk-based capital ratio | 11.9002% | 5,982 |
| Memoranda: | ||
| Average total assets | $474,924,200 | 1,406 |
| Average earning assets | $435,079,800 | 1,410 |
| Average equity | $43,744,200 | 1,650 |
| Average total loans | $337,382,600 | 1,294 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 1,984 |
| Cost of funding earning assets | 0.4302% | 3,463 |
| Net interest margin | 4.0382% | 1,757 |
| Noninterest income to average assets | 0.8428% | 1,733 |
| Noninterest expense to average assets | 3.8818% | 869 |
| Loan and lease loss provision to assets | 0.1698% | 1,453 |
| Net operating income to assets | 0.4809% | 4,941 |
| Return on assets (ROA) | 0.4809% | 5,022 |
| Pretax return on assets | 0.4809% | 5,380 |
| Return on Equity (ROE) | 5.2924% | 4,583 |
| Retained earnings to average equity (ytd only) | 5.2924% | 2,888 |
| Net charge-offs to loans | 0.1241% | 2,571 |
| Credit loss provision to net charge-offs | 195.1923% | 1,292 |
| Earnings coverage of net charge-offs (x) | 7.4808% | 2,924 |
| Efficiency ratio | 85.6431% | 1,217 |
| Assets per employee ($millions) | 3.3427% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 2,148 |
| Loan loss allowance to noncurrent loans | 61.1210% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 5.4335% | 286 |
| Noncurrent loans to loans | 2.6923% | 1,063 |
| Net loans and leases to total assets | 69.2059% | 2,322 |
| Net loans and leases to deposits | 76.6221% | 3,115 |
| Net loans and leases to core deposits | 84.8934% | 2,791 |
| Total domestic deposits to total assets | 90.3211% | 605 |
| Equity capital to assets | 9.2885% | 5,045 |
| Core capital (leverage) ratio | 7.9156% | 6,120 |
| Tier 1 risk-based capital ratio | 10.6182% | 6,168 |
| Total risk-based capital ratio | 11.8718% | 6,117 |
| Memoranda: | ||
| Average total assets | $478,214,000 | 1,408 |
| Average earning assets | $436,954,250 | 1,412 |
| Average equity | $43,457,500 | 1,661 |
| Average total loans | $335,288,750 | 1,305 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,089 |
| Cost of funding earning assets | 0.4528% | 3,295 |
| Net interest margin | 3.9713% | 1,900 |
| Noninterest income to average assets | 1.1126% | 960 |
| Noninterest expense to average assets | 3.6850% | 1,166 |
| Loan and lease loss provision to assets | 0.2174% | 1,077 |
| Net operating income to assets | 0.8398% | 3,131 |
| Return on assets (ROA) | 0.8398% | 3,225 |
| Pretax return on assets | 0.8398% | 4,120 |
| Return on Equity (ROE) | 9.3093% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.3093% | 882 |
| Net charge-offs to loans | 0.1126% | 2,535 |
| Credit loss provision to net charge-offs | 275.6614% | 921 |
| Earnings coverage of net charge-offs (x) | 13.4074% | 1,977 |
| Efficiency ratio | 77.7074% | 2,338 |
| Assets per employee ($millions) | 3.4836% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 2,373 |
| Loan loss allowance to noncurrent loans | 62.5891% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 5.9615% | 251 |
| Noncurrent loans to loans | 2.5980% | 1,185 |
| Net loans and leases to total assets | 68.6108% | 2,309 |
| Net loans and leases to deposits | 75.7625% | 3,088 |
| Net loans and leases to core deposits | 84.8456% | 2,637 |
| Total domestic deposits to total assets | 90.5604% | 560 |
| Equity capital to assets | 9.1087% | 5,194 |
| Core capital (leverage) ratio | 7.8823% | 6,166 |
| Tier 1 risk-based capital ratio | 10.4464% | 6,267 |
| Total risk-based capital ratio | 11.6998% | 6,215 |
| Memoranda: | ||
| Average total assets | $479,397,670 | 1,398 |
| Average earning assets | $438,148,670 | 1,407 |
| Average equity | $43,247,000 | 1,655 |
| Average total loans | $335,721,330 | 1,304 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 2,074 |
| Cost of funding earning assets | 0.4571% | 3,350 |
| Net interest margin | 3.9600% | 1,888 |
| Noninterest income to average assets | 0.8922% | 1,416 |
| Noninterest expense to average assets | 3.7177% | 1,106 |
| Loan and lease loss provision to assets | 0.1751% | 1,382 |
| Net operating income to assets | 0.6237% | 4,075 |
| Return on assets (ROA) | 0.6237% | 4,160 |
| Pretax return on assets | 0.6237% | 4,749 |
| Return on Equity (ROE) | 6.9482% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.9482% | 2,072 |
| Net charge-offs to loans | 0.2099% | 1,492 |
| Credit loss provision to net charge-offs | 118.8571% | 1,470 |
| Earnings coverage of net charge-offs (x) | 5.4229% | 2,371 |
| Efficiency ratio | 82.3146% | 1,885 |
| Assets per employee ($millions) | 3.3680% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 2,900 |
| Loan loss allowance to noncurrent loans | 72.4353% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 4.8953% | 427 |
| Noncurrent loans to loans | 2.1468% | 1,704 |
| Net loans and leases to total assets | 68.2953% | 2,177 |
| Net loans and leases to deposits | 75.2277% | 2,914 |
| Net loans and leases to core deposits | 84.8058% | 2,436 |
| Total domestic deposits to total assets | 90.7848% | 651 |
| Equity capital to assets | 8.8847% | 5,243 |
| Core capital (leverage) ratio | 7.8645% | 6,198 |
| Tier 1 risk-based capital ratio | 10.1719% | 6,432 |
| Total risk-based capital ratio | 11.4244% | 6,398 |
| Memoranda: | ||
| Average total assets | $475,242,000 | 1,413 |
| Average earning assets | $434,951,500 | 1,422 |
| Average equity | $42,658,500 | 1,671 |
| Average total loans | $333,506,000 | 1,318 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 2,652 |
| Cost of funding earning assets | 0.6073% | 2,596 |
| Net interest margin | 3.7742% | 2,745 |
| Noninterest income to average assets | 1.0164% | 1,355 |
| Noninterest expense to average assets | 3.8262% | 1,094 |
| Loan and lease loss provision to assets | 0.1117% | 2,943 |
| Net operating income to assets | 0.3545% | 5,319 |
| Return on assets (ROA) | 0.3491% | 5,449 |
| Pretax return on assets | 0.5246% | 5,125 |
| Return on Equity (ROE) | 4.1113% | 5,054 |
| Retained earnings to average equity (ytd only) | 4.1113% | 3,251 |
| Net charge-offs to loans | 0.4307% | 1,546 |
| Credit loss provision to net charge-offs | 38.6014% | 4,070 |
| Earnings coverage of net charge-offs (x) | 2.2266% | 4,279 |
| Efficiency ratio | 85.5856% | 1,457 |
| Assets per employee ($millions) | 3.2326% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 2,869 |
| Loan loss allowance to noncurrent loans | 56.2723% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 4.9874% | 473 |
| Noncurrent loans to loans | 2.7950% | 1,269 |
| Net loans and leases to total assets | 69.8947% | 2,028 |
| Net loans and leases to deposits | 77.1742% | 2,833 |
| Net loans and leases to core deposits | 87.1627% | 2,329 |
| Total domestic deposits to total assets | 90.5674% | 775 |
| Equity capital to assets | 9.0715% | 4,951 |
| Core capital (leverage) ratio | 7.5890% | 6,341 |
| Tier 1 risk-based capital ratio | 10.1568% | 6,470 |
| Total risk-based capital ratio | 11.4097% | 6,425 |
| Memoranda: | ||
| Average total assets | $494,094,000 | 1,345 |
| Average earning assets | $452,197,200 | 1,343 |
| Average equity | $41,957,800 | 1,673 |
| Average total loans | $332,049,800 | 1,281 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 2,864 |
| Cost of funding earning assets | 0.6357% | 2,500 |
| Net interest margin | 3.6963% | 3,045 |
| Noninterest income to average assets | 1.1183% | 1,171 |
| Noninterest expense to average assets | 3.8535% | 1,021 |
| Loan and lease loss provision to assets | 0.1138% | 2,869 |
| Net operating income to assets | 0.3346% | 5,484 |
| Return on assets (ROA) | 0.3346% | 5,610 |
| Pretax return on assets | 0.5365% | 5,245 |
| Return on Equity (ROE) | 4.0040% | 5,224 |
| Retained earnings to average equity (ytd only) | 4.0040% | 3,848 |
| Net charge-offs to loans | 0.4560% | 1,407 |
| Credit loss provision to net charge-offs | 37.6429% | 3,755 |
| Earnings coverage of net charge-offs (x) | 2.1504% | 4,122 |
| Efficiency ratio | 85.5599% | 1,406 |
| Assets per employee ($millions) | 3.4386% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 2,863 |
| Loan loss allowance to noncurrent loans | 39.3462% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 4.8168% | 600 |
| Noncurrent loans to loans | 4.1570% | 837 |
| Net loans and leases to total assets | 65.1968% | 2,764 |
| Net loans and leases to deposits | 75.1173% | 3,073 |
| Net loans and leases to core deposits | 84.5254% | 2,595 |
| Total domestic deposits to total assets | 86.7933% | 2,807 |
| Equity capital to assets | 8.4858% | 5,749 |
| Core capital (leverage) ratio | 7.1897% | 6,550 |
| Tier 1 risk-based capital ratio | 10.1649% | 6,548 |
| Total risk-based capital ratio | 11.4187% | 6,517 |
| Memoranda: | ||
| Average total assets | $501,244,250 | 1,338 |
| Average earning assets | $459,116,250 | 1,329 |
| Average equity | $41,890,500 | 1,685 |
| Average total loans | $332,423,750 | 1,288 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 2,566 |
| Cost of funding earning assets | 0.6494% | 2,504 |
| Net interest margin | 3.7495% | 2,764 |
| Noninterest income to average assets | 1.2872% | 933 |
| Noninterest expense to average assets | 3.9625% | 903 |
| Loan and lease loss provision to assets | 0.1081% | 2,987 |
| Net operating income to assets | 0.4006% | 5,215 |
| Return on assets (ROA) | 0.4006% | 5,380 |
| Pretax return on assets | 0.6422% | 4,866 |
| Return on Equity (ROE) | 4.8174% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.8174% | 3,173 |
| Net charge-offs to loans | 0.1755% | 2,716 |
| Credit loss provision to net charge-offs | 92.8328% | 2,377 |
| Earnings coverage of net charge-offs (x) | 6.4437% | 2,716 |
| Efficiency ratio | 84.0796% | 1,625 |
| Assets per employee ($millions) | 3.3961% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 2,256 |
| Loan loss allowance to noncurrent loans | 41.0326% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 4.9959% | 616 |
| Noncurrent loans to loans | 4.5128% | 772 |
| Net loans and leases to total assets | 63.8639% | 2,936 |
| Net loans and leases to deposits | 73.1585% | 3,269 |
| Net loans and leases to core deposits | 82.6745% | 2,730 |
| Total domestic deposits to total assets | 87.2953% | 2,662 |
| Equity capital to assets | 8.3598% | 5,911 |
| Core capital (leverage) ratio | 7.0095% | 6,612 |
| Tier 1 risk-based capital ratio | 10.0551% | 6,621 |
| Total risk-based capital ratio | 11.3114% | 6,596 |
| Memoranda: | ||
| Average total assets | $503,273,000 | 1,329 |
| Average earning assets | $459,790,670 | 1,322 |
| Average equity | $41,848,000 | 1,689 |
| Average total loans | $333,833,330 | 1,273 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 1,806 |
| Cost of funding earning assets | 0.6681% | 2,494 |
| Net interest margin | 3.9393% | 1,982 |
| Noninterest income to average assets | 1.4170% | 758 |
| Noninterest expense to average assets | 3.9682% | 921 |
| Loan and lease loss provision to assets | 0.2065% | 1,799 |
| Net operating income to assets | 0.5115% | 4,600 |
| Return on assets (ROA) | 0.5115% | 4,746 |
| Pretax return on assets | 0.8205% | 4,084 |
| Return on Equity (ROE) | 6.1681% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.1681% | 2,590 |
| Net charge-offs to loans | 0.2562% | 1,931 |
| Credit loss provision to net charge-offs | 120.3704% | 1,591 |
| Earnings coverage of net charge-offs (x) | 5.9861% | 2,293 |
| Efficiency ratio | 79.4403% | 2,410 |
| Assets per employee ($millions) | 3.4679% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 2,505 |
| Loan loss allowance to noncurrent loans | 36.3739% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 6.2191% | 504 |
| Noncurrent loans to loans | 5.0429% | 752 |
| Net loans and leases to total assets | 65.5970% | 2,443 |
| Net loans and leases to deposits | 75.2389% | 2,738 |
| Net loans and leases to core deposits | 84.8393% | 2,230 |
| Total domestic deposits to total assets | 87.1849% | 2,846 |
| Equity capital to assets | 8.4198% | 6,082 |
| Core capital (leverage) ratio | 6.8946% | 6,674 |
| Tier 1 risk-based capital ratio | 9.3130% | 6,781 |
| Total risk-based capital ratio | 10.5681% | 6,777 |
| Memoranda: | ||
| Average total assets | $503,601,000 | 1,340 |
| Average earning assets | $457,445,000 | 1,340 |
| Average equity | $41,763,000 | 1,719 |
| Average total loans | $337,226,500 | 1,259 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 2,903 |
| Cost of funding earning assets | 0.7600% | 3,016 |
| Net interest margin | 3.8636% | 2,975 |
| Noninterest income to average assets | 0.3492% | 4,972 |
| Noninterest expense to average assets | 3.8704% | 1,133 |
| Loan and lease loss provision to assets | 0.8049% | 602 |
| Net operating income to assets | -0.8611% | 6,696 |
| Return on assets (ROA) | -0.8611% | 6,720 |
| Pretax return on assets | -0.8611% | 6,694 |
| Return on Equity (ROE) | -10.1198% | 6,724 |
| Retained earnings to average equity (ytd only) | -10.1198% | 6,639 |
| Net charge-offs to loans | 1.2216% | 825 |
| Credit loss provision to net charge-offs | 98.4561% | 3,155 |
| Earnings coverage of net charge-offs (x) | -0.0688% | 5,520 |
| Efficiency ratio | 101.4741% | 508 |
| Assets per employee ($millions) | 3.4782% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 2,641 |
| Loan loss allowance to noncurrent loans | 32.4609% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 6.7624% | 466 |
| Noncurrent loans to loans | 5.4940% | 674 |
| Net loans and leases to total assets | 65.9043% | 2,539 |
| Net loans and leases to deposits | 75.3101% | 2,902 |
| Net loans and leases to core deposits | 84.7908% | 2,453 |
| Total domestic deposits to total assets | 87.5106% | 2,522 |
| Equity capital to assets | 8.1680% | 6,306 |
| Core capital (leverage) ratio | 6.5107% | 6,793 |
| Tier 1 risk-based capital ratio | 8.7842% | 6,873 |
| Total risk-based capital ratio | 10.0384% | 6,876 |
| Memoranda: | ||
| Average total assets | $522,920,000 | 1,272 |
| Average earning assets | $468,965,800 | 1,304 |
| Average equity | $44,497,000 | 1,564 |
| Average total loans | $349,962,600 | 1,198 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 2,756 |
| Cost of funding earning assets | 0.7717% | 3,173 |
| Net interest margin | 3.9417% | 2,743 |
| Noninterest income to average assets | 0.6240% | 3,136 |
| Noninterest expense to average assets | 3.8372% | 1,146 |
| Loan and lease loss provision to assets | 0.6622% | 787 |
| Net operating income to assets | -0.2180% | 6,511 |
| Return on assets (ROA) | -0.2180% | 6,581 |
| Pretax return on assets | -0.3493% | 6,629 |
| Return on Equity (ROE) | -2.5369% | 6,605 |
| Retained earnings to average equity (ytd only) | -2.5369% | 6,451 |
| Net charge-offs to loans | 1.1029% | 923 |
| Credit loss provision to net charge-offs | 89.7735% | 3,305 |
| Earnings coverage of net charge-offs (x) | 0.4242% | 5,114 |
| Efficiency ratio | 92.4607% | 862 |
| Assets per employee ($millions) | 3.4970% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 3,120 |
| Loan loss allowance to noncurrent loans | 37.3769% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 6.3559% | 610 |
| Noncurrent loans to loans | 4.5730% | 1,027 |
| Net loans and leases to total assets | 63.6529% | 3,084 |
| Net loans and leases to deposits | 73.0238% | 3,445 |
| Net loans and leases to core deposits | 82.5706% | 2,886 |
| Total domestic deposits to total assets | 87.1674% | 2,578 |
| Equity capital to assets | 8.5860% | 6,184 |
| Core capital (leverage) ratio | 7.1922% | 6,753 |
| Tier 1 risk-based capital ratio | 9.6784% | 6,874 |
| Total risk-based capital ratio | 10.9319% | 6,860 |
| Memoranda: | ||
| Average total assets | $526,694,750 | 1,282 |
| Average earning assets | $471,158,000 | 1,311 |
| Average equity | $45,251,500 | 1,550 |
| Average total loans | $352,265,000 | 1,189 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 2,496 |
| Cost of funding earning assets | 0.7902% | 3,270 |
| Net interest margin | 4.0128% | 2,448 |
| Noninterest income to average assets | 0.7799% | 2,292 |
| Noninterest expense to average assets | 3.9795% | 965 |
| Loan and lease loss provision to assets | 0.6149% | 955 |
| Net operating income to assets | -0.1535% | 6,493 |
| Return on assets (ROA) | -0.1535% | 6,584 |
| Pretax return on assets | -0.2459% | 6,611 |
| Return on Equity (ROE) | -1.7867% | 6,604 |
| Retained earnings to average equity (ytd only) | -1.7867% | 6,326 |
| Net charge-offs to loans | 0.1507% | 3,709 |
| Credit loss provision to net charge-offs | 603.7313% | 516 |
| Earnings coverage of net charge-offs (x) | 3.6231% | 3,324 |
| Efficiency ratio | 91.5137% | 958 |
| Assets per employee ($millions) | 3.3817% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1495% | 1,890 |
| Loan loss allowance to noncurrent loans | 44.0791% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 7.0643% | 551 |
| Noncurrent loans to loans | 4.8765% | 1,032 |
| Net loans and leases to total assets | 64.6582% | 2,897 |
| Net loans and leases to deposits | 74.2277% | 3,254 |
| Net loans and leases to core deposits | 83.4464% | 2,761 |
| Total domestic deposits to total assets | 87.1079% | 2,711 |
| Equity capital to assets | 8.6858% | 6,041 |
| Core capital (leverage) ratio | 7.2564% | 6,741 |
| Tier 1 risk-based capital ratio | 9.5319% | 6,922 |
| Total risk-based capital ratio | 10.7898% | 6,913 |
| Memoranda: | ||
| Average total assets | $526,244,670 | 1,286 |
| Average earning assets | $468,004,000 | 1,321 |
| Average equity | $45,222,670 | 1,543 |
| Average total loans | $355,699,670 | 1,171 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 1,862 |
| Cost of funding earning assets | 0.8281% | 3,250 |
| Net interest margin | 4.1786% | 1,823 |
| Noninterest income to average assets | 0.9581% | 1,541 |
| Noninterest expense to average assets | 4.0183% | 919 |
| Loan and lease loss provision to assets | 0.0807% | 4,387 |
| Net operating income to assets | 0.3425% | 5,502 |
| Return on assets (ROA) | 0.3425% | 5,679 |
| Pretax return on assets | 0.5495% | 5,284 |
| Return on Equity (ROE) | 4.0068% | 5,291 |
| Retained earnings to average equity (ytd only) | 4.0068% | 4,182 |
| Net charge-offs to loans | 0.3897% | 2,131 |
| Credit loss provision to net charge-offs | 30.2857% | 3,618 |
| Earnings coverage of net charge-offs (x) | 2.3657% | 3,228 |
| Efficiency ratio | 86.4440% | 1,436 |
| Assets per employee ($millions) | 3.3099% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,614 |
| Loan loss allowance to noncurrent loans | 47.6148% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 6.4869% | 695 |
| Noncurrent loans to loans | 3.4202% | 1,836 |
| Net loans and leases to total assets | 67.7076% | 2,165 |
| Net loans and leases to deposits | 77.8677% | 2,539 |
| Net loans and leases to core deposits | 87.1840% | 2,151 |
| Total domestic deposits to total assets | 86.9521% | 2,980 |
| Equity capital to assets | 8.8754% | 5,667 |
| Core capital (leverage) ratio | 7.5334% | 6,611 |
| Tier 1 risk-based capital ratio | 9.4698% | 6,971 |
| Total risk-based capital ratio | 10.7220% | 6,962 |
| Memoranda: | ||
| Average total assets | $525,597,000 | 1,287 |
| Average earning assets | $464,172,000 | 1,341 |
| Average equity | $44,923,500 | 1,543 |
| Average total loans | $359,254,000 | 1,167 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 3,460 |
| Cost of funding earning assets | 0.9812% | 3,502 |
| Net interest margin | 3.8976% | 3,349 |
| Noninterest income to average assets | 0.3139% | 5,296 |
| Noninterest expense to average assets | 4.0412% | 977 |
| Loan and lease loss provision to assets | 0.5267% | 1,985 |
| Net operating income to assets | -0.4801% | 6,474 |
| Return on assets (ROA) | -0.4182% | 6,481 |
| Pretax return on assets | -0.6701% | 6,582 |
| Return on Equity (ROE) | -5.1335% | 6,535 |
| Retained earnings to average equity (ytd only) | -5.1335% | 6,457 |
| Net charge-offs to loans | 2.2475% | 561 |
| Credit loss provision to net charge-offs | 34.1706% | 5,724 |
| Earnings coverage of net charge-offs (x) | -0.1557% | 5,930 |
| Efficiency ratio | 106.3131% | 512 |
| Assets per employee ($millions) | 3.2604% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 3,110 |
| Loan loss allowance to noncurrent loans | 44.1149% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 8.1986% | 479 |
| Noncurrent loans to loans | 3.9084% | 1,603 |
| Net loans and leases to total assets | 66.7032% | 2,641 |
| Net loans and leases to deposits | 76.2255% | 3,147 |
| Net loans and leases to core deposits | 85.5456% | 2,697 |
| Total domestic deposits to total assets | 87.5078% | 2,462 |
| Equity capital to assets | 8.2180% | 6,421 |
| Core capital (leverage) ratio | 7.0253% | 6,854 |
| Tier 1 risk-based capital ratio | 8.9538% | 7,040 |
| Total risk-based capital ratio | 10.2065% | 7,045 |
| Memoranda: | ||
| Average total assets | $547,557,800 | 1,204 |
| Average earning assets | $489,922,400 | 1,243 |
| Average equity | $44,608,800 | 1,522 |
| Average total loans | $375,521,200 | 1,131 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 3,888 |
| Cost of funding earning assets | 1.0060% | 3,637 |
| Net interest margin | 3.8235% | 3,750 |
| Noninterest income to average assets | 0.6095% | 3,106 |
| Noninterest expense to average assets | 3.6814% | 1,531 |
| Loan and lease loss provision to assets | 0.1477% | 4,601 |
| Net operating income to assets | 0.1322% | 5,883 |
| Return on assets (ROA) | 0.2138% | 5,797 |
| Pretax return on assets | 0.3430% | 5,615 |
| Return on Equity (ROE) | 2.6295% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.6295% | 4,788 |
| Net charge-offs to loans | 2.3376% | 498 |
| Credit loss provision to net charge-offs | 9.1932% | 5,667 |
| Earnings coverage of net charge-offs (x) | 0.2260% | 5,427 |
| Efficiency ratio | 91.0201% | 1,110 |
| Assets per employee ($millions) | 3.3700% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 3,689 |
| Loan loss allowance to noncurrent loans | 34.0533% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 8.7342% | 465 |
| Noncurrent loans to loans | 4.6846% | 1,378 |
| Net loans and leases to total assets | 64.1682% | 3,272 |
| Net loans and leases to deposits | 73.4453% | 3,732 |
| Net loans and leases to core deposits | 82.1286% | 3,310 |
| Total domestic deposits to total assets | 87.3688% | 2,424 |
| Equity capital to assets | 8.3243% | 6,457 |
| Core capital (leverage) ratio | 7.2701% | 6,874 |
| Tier 1 risk-based capital ratio | 9.4867% | 7,055 |
| Total risk-based capital ratio | 10.7379% | 7,054 |
| Memoranda: | ||
| Average total assets | $553,217,500 | 1,202 |
| Average earning assets | $497,013,750 | 1,223 |
| Average equity | $44,976,500 | 1,511 |
| Average total loans | $380,331,250 | 1,130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 3,293 |
| Cost of funding earning assets | 1.0381% | 3,680 |
| Net interest margin | 3.9360% | 3,145 |
| Noninterest income to average assets | 0.6742% | 2,685 |
| Noninterest expense to average assets | 3.4830% | 2,025 |
| Loan and lease loss provision to assets | -0.0632% | 7,405 |
| Net operating income to assets | 0.5065% | 4,472 |
| Return on assets (ROA) | 0.5065% | 4,613 |
| Pretax return on assets | 0.8122% | 3,979 |
| Return on Equity (ROE) | 6.2787% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.2787% | 2,256 |
| Net charge-offs to loans | 2.9272% | 358 |
| Credit loss provision to net charge-offs | -3.0899% | 6,165 |
| Earnings coverage of net charge-offs (x) | 0.3660% | 5,031 |
| Efficiency ratio | 82.3020% | 2,062 |
| Assets per employee ($millions) | 3.4164% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 3,825 |
| Loan loss allowance to noncurrent loans | 21.0460% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 9.5084% | 431 |
| Noncurrent loans to loans | 7.4555% | 642 |
| Net loans and leases to total assets | 65.2414% | 3,200 |
| Net loans and leases to deposits | 74.3817% | 3,736 |
| Net loans and leases to core deposits | 83.5009% | 3,283 |
| Total domestic deposits to total assets | 87.7117% | 2,333 |
| Equity capital to assets | 8.2248% | 6,497 |
| Core capital (leverage) ratio | 7.0363% | 6,985 |
| Tier 1 risk-based capital ratio | 9.3749% | 7,125 |
| Total risk-based capital ratio | 10.6264% | 7,122 |
| Memoranda: | ||
| Average total assets | $556,767,000 | 1,208 |
| Average earning assets | $503,245,670 | 1,213 |
| Average equity | $44,913,670 | 1,502 |
| Average total loans | $389,174,670 | 1,120 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 3,030 |
| Cost of funding earning assets | 1.0498% | 3,851 |
| Net interest margin | 3.9661% | 2,845 |
| Noninterest income to average assets | 0.6378% | 2,912 |
| Noninterest expense to average assets | 3.3333% | 2,459 |
| Loan and lease loss provision to assets | 0.1153% | 4,568 |
| Net operating income to assets | 0.4951% | 4,505 |
| Return on assets (ROA) | 0.4951% | 4,591 |
| Pretax return on assets | 0.7942% | 3,922 |
| Return on Equity (ROE) | 6.1990% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.1990% | 2,525 |
| Net charge-offs to loans | 1.1234% | 1,235 |
| Credit loss provision to net charge-offs | 14.3113% | 4,340 |
| Earnings coverage of net charge-offs (x) | 1.1288% | 3,819 |
| Efficiency ratio | 78.5629% | 2,758 |
| Assets per employee ($millions) | 3.3855% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7137% | 1,195 |
| Loan loss allowance to noncurrent loans | 31.0613% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 8.8737% | 497 |
| Noncurrent loans to loans | 8.7366% | 526 |
| Net loans and leases to total assets | 68.1071% | 2,528 |
| Net loans and leases to deposits | 77.3065% | 3,189 |
| Net loans and leases to core deposits | 86.7142% | 2,770 |
| Total domestic deposits to total assets | 88.1000% | 2,317 |
| Equity capital to assets | 7.9048% | 6,593 |
| Core capital (leverage) ratio | 7.1282% | 6,948 |
| Tier 1 risk-based capital ratio | 9.0095% | 7,220 |
| Total risk-based capital ratio | 10.2745% | 7,226 |
| Memoranda: | ||
| Average total assets | $555,009,500 | 1,215 |
| Average earning assets | $504,481,500 | 1,216 |
| Average equity | $44,329,500 | 1,507 |
| Average total loans | $398,080,500 | 1,101 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 4,372 |
| Cost of funding earning assets | 1.2958% | 3,910 |
| Net interest margin | 3.7431% | 4,169 |
| Noninterest income to average assets | 0.3664% | 5,175 |
| Noninterest expense to average assets | 3.5322% | 2,093 |
| Loan and lease loss provision to assets | 1.6397% | 877 |
| Net operating income to assets | -0.8033% | 6,579 |
| Return on assets (ROA) | -0.8042% | 6,604 |
| Pretax return on assets | -1.3593% | 6,805 |
| Return on Equity (ROE) | -9.5674% | 6,710 |
| Retained earnings to average equity (ytd only) | -9.6711% | 6,647 |
| Net charge-offs to loans | 2.8060% | 626 |
| Credit loss provision to net charge-offs | 81.2365% | 5,510 |
| Earnings coverage of net charge-offs (x) | 0.1396% | 5,977 |
| Efficiency ratio | 92.6107% | 1,140 |
| Assets per employee ($millions) | 3.3210% | 5,383 |
| Cash dividends to net income (ytd only)* | -1.0837% | 7,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9221% | 929 |
| Loan loss allowance to noncurrent loans | 33.1210% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 9.1260% | 490 |
| Noncurrent loans to loans | 8.8226% | 537 |
| Net loans and leases to total assets | 71.3605% | 2,223 |
| Net loans and leases to deposits | 83.0436% | 2,620 |
| Net loans and leases to core deposits | 93.6945% | 2,298 |
| Total domestic deposits to total assets | 85.9314% | 3,391 |
| Equity capital to assets | 8.0727% | 6,412 |
| Core capital (leverage) ratio | 6.8310% | 7,097 |
| Tier 1 risk-based capital ratio | 8.8171% | 7,272 |
| Total risk-based capital ratio | 10.0847% | 7,280 |
| Memoranda: | ||
| Average total assets | $573,752,600 | 1,174 |
| Average earning assets | $528,460,400 | 1,162 |
| Average equity | $48,226,400 | 1,391 |
| Average total loans | $412,716,000 | 1,088 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 4,893 |
| Cost of funding earning assets | 1.3207% | 4,109 |
| Net interest margin | 3.6637% | 4,578 |
| Noninterest income to average assets | 0.6180% | 3,333 |
| Noninterest expense to average assets | 3.2108% | 2,888 |
| Loan and lease loss provision to assets | 0.4346% | 3,302 |
| Net operating income to assets | 0.2228% | 5,441 |
| Return on assets (ROA) | 0.2228% | 5,602 |
| Pretax return on assets | 0.3573% | 5,350 |
| Return on Equity (ROE) | 2.6265% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.4913% | 4,677 |
| Net charge-offs to loans | 3.4313% | 408 |
| Credit loss provision to net charge-offs | 17.6993% | 6,268 |
| Earnings coverage of net charge-offs (x) | 0.3225% | 5,706 |
| Efficiency ratio | 80.2156% | 2,307 |
| Assets per employee ($millions) | 3.5999% | 4,735 |
| Cash dividends to net income (ytd only)* | 5.1497% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 5,098 |
| Loan loss allowance to noncurrent loans | 13.1238% | 7,117 |
| Noncurrent assets plus other real estate owned to assets | 9.1762% | 482 |
| Noncurrent loans to loans | 9.6985% | 452 |
| Net loans and leases to total assets | 68.2088% | 3,161 |
| Net loans and leases to deposits | 79.6895% | 3,500 |
| Net loans and leases to core deposits | 89.8762% | 3,110 |
| Total domestic deposits to total assets | 85.5933% | 3,300 |
| Equity capital to assets | 8.7290% | 5,969 |
| Core capital (leverage) ratio | 8.2124% | 6,017 |
| Tier 1 risk-based capital ratio | 10.8626% | 6,497 |
| Total risk-based capital ratio | 12.0005% | 6,573 |
| Memoranda: | ||
| Average total assets | $581,030,750 | 1,162 |
| Average earning assets | $536,787,750 | 1,148 |
| Average equity | $49,291,250 | 1,367 |
| Average total loans | $415,805,750 | 1,087 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0428% | 4,733 |
| Cost of funding earning assets | 1.3383% | 4,269 |
| Net interest margin | 3.7045% | 4,339 |
| Noninterest income to average assets | 0.6151% | 3,225 |
| Noninterest expense to average assets | 3.1662% | 3,027 |
| Loan and lease loss provision to assets | 0.2389% | 4,525 |
| Net operating income to assets | 0.4115% | 4,703 |
| Return on assets (ROA) | 0.4115% | 4,858 |
| Pretax return on assets | 0.6597% | 4,366 |
| Return on Equity (ROE) | 4.8976% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.6934% | 3,093 |
| Net charge-offs to loans | 2.1960% | 815 |
| Credit loss provision to net charge-offs | 15.0292% | 5,897 |
| Earnings coverage of net charge-offs (x) | 0.5653% | 5,169 |
| Efficiency ratio | 77.8941% | 2,743 |
| Assets per employee ($millions) | 3.4772% | 4,978 |
| Cash dividends to net income (ytd only)* | 4.1701% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4381% | 1,382 |
| Loan loss allowance to noncurrent loans | 20.7366% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 9.4125% | 453 |
| Noncurrent loans to loans | 11.7573% | 308 |
| Net loans and leases to total assets | 67.2681% | 3,561 |
| Net loans and leases to deposits | 81.3672% | 3,370 |
| Net loans and leases to core deposits | 92.3447% | 2,937 |
| Total domestic deposits to total assets | 82.6722% | 4,703 |
| Equity capital to assets | 8.4716% | 6,195 |
| Core capital (leverage) ratio | 8.2118% | 5,922 |
| Tier 1 risk-based capital ratio | 10.9135% | 6,326 |
| Total risk-based capital ratio | 12.1757% | 6,301 |
| Memoranda: | ||
| Average total assets | $582,712,000 | 1,167 |
| Average earning assets | $542,637,670 | 1,138 |
| Average equity | $48,962,330 | 1,369 |
| Average total loans | $421,761,330 | 1,082 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1376% | 4,357 |
| Cost of funding earning assets | 1.3817% | 4,297 |
| Net interest margin | 3.7559% | 3,977 |
| Noninterest income to average assets | 0.5953% | 3,304 |
| Noninterest expense to average assets | 3.1924% | 2,900 |
| Loan and lease loss provision to assets | 0.2821% | 3,775 |
| Net operating income to assets | 0.3941% | 4,862 |
| Return on assets (ROA) | 0.3941% | 5,004 |
| Pretax return on assets | 0.6320% | 4,480 |
| Return on Equity (ROE) | 4.7103% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.2971% | 3,568 |
| Net charge-offs to loans | 0.0233% | 5,248 |
| Credit loss provision to net charge-offs | 1,632.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 52.8800% | 549 |
| Efficiency ratio | 77.7404% | 2,941 |
| Assets per employee ($millions) | 3.5243% | 4,975 |
| Cash dividends to net income (ytd only)* | 8.7719% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3276% | 623 |
| Loan loss allowance to noncurrent loans | 28.7075% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 8.6636% | 533 |
| Noncurrent loans to loans | 11.5914% | 315 |
| Net loans and leases to total assets | 70.3645% | 2,839 |
| Net loans and leases to deposits | 84.9613% | 2,777 |
| Net loans and leases to core deposits | 100.9327% | 2,037 |
| Total domestic deposits to total assets | 82.8194% | 4,709 |
| Equity capital to assets | 8.3071% | 6,289 |
| Core capital (leverage) ratio | 8.2857% | 5,768 |
| Tier 1 risk-based capital ratio | 10.5077% | 6,625 |
| Total risk-based capital ratio | 11.7807% | 6,593 |
| Memoranda: | ||
| Average total assets | $578,505,000 | 1,197 |
| Average earning assets | $540,800,000 | 1,166 |
| Average equity | $48,404,500 | 1,389 |
| Average total loans | $428,854,000 | 1,095 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3616% | 4,883 |
| Cost of funding earning assets | 1.8773% | 3,579 |
| Net interest margin | 3.4843% | 5,023 |
| Noninterest income to average assets | 0.7529% | 2,660 |
| Noninterest expense to average assets | 3.3237% | 2,931 |
| Loan and lease loss provision to assets | 2.0041% | 1,081 |
| Net operating income to assets | -0.8140% | 6,445 |
| Return on assets (ROA) | -0.6603% | 6,325 |
| Pretax return on assets | -1.0753% | 6,464 |
| Return on Equity (ROE) | -7.3371% | 6,415 |
| Retained earnings to average equity (ytd only) | -7.4329% | 6,285 |
| Net charge-offs to loans | 0.7960% | 2,833 |
| Credit loss provision to net charge-offs | 342.6887% | 946 |
| Earnings coverage of net charge-offs (x) | 1.1775% | 4,949 |
| Efficiency ratio | 82.8377% | 2,495 |
| Assets per employee ($millions) | 3.4244% | 5,196 |
| Cash dividends to net income (ytd only)* | -1.3055% | 7,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2312% | 645 |
| Loan loss allowance to noncurrent loans | 33.0695% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 7.6345% | 622 |
| Noncurrent loans to loans | 9.7708% | 430 |
| Net loans and leases to total assets | 73.0836% | 2,485 |
| Net loans and leases to deposits | 88.7781% | 2,430 |
| Net loans and leases to core deposits | 124.0099% | 1,634 |
| Total domestic deposits to total assets | 82.3216% | 4,806 |
| Equity capital to assets | 8.4293% | 6,007 |
| Core capital (leverage) ratio | 8.3555% | 5,529 |
| Tier 1 risk-based capital ratio | 10.3352% | 6,553 |
| Total risk-based capital ratio | 11.6070% | 6,504 |
| Memoranda: | ||
| Average total assets | $580,012,400 | 1,195 |
| Average earning assets | $542,580,600 | 1,163 |
| Average equity | $52,200,600 | 1,275 |
| Average total loans | $426,112,400 | 1,125 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 5,082 |
| Cost of funding earning assets | 1.9880% | 3,427 |
| Net interest margin | 3.3841% | 5,337 |
| Noninterest income to average assets | 0.8294% | 2,293 |
| Noninterest expense to average assets | 3.3185% | 2,843 |
| Loan and lease loss provision to assets | 0.6695% | 2,732 |
| Net operating income to assets | 0.0158% | 5,676 |
| Return on assets (ROA) | 0.0158% | 5,726 |
| Pretax return on assets | 0.0089% | 5,685 |
| Return on Equity (ROE) | 0.1727% | 5,723 |
| Retained earnings to average equity (ytd only) | 0.0475% | 5,185 |
| Net charge-offs to loans | 0.9518% | 2,073 |
| Credit loss provision to net charge-offs | 96.4097% | 5,290 |
| Earnings coverage of net charge-offs (x) | 0.9769% | 5,079 |
| Efficiency ratio | 83.0262% | 2,428 |
| Assets per employee ($millions) | 3.4550% | 5,035 |
| Cash dividends to net income (ytd only)* | 72.4674% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,451 |
| Loan loss allowance to noncurrent loans | 11.2963% | 7,428 |
| Noncurrent assets plus other real estate owned to assets | 8.4946% | 479 |
| Noncurrent loans to loans | 11.5805% | 299 |
| Net loans and leases to total assets | 71.8896% | 3,065 |
| Net loans and leases to deposits | 88.0453% | 2,947 |
| Net loans and leases to core deposits | 121.0143% | 2,156 |
| Total domestic deposits to total assets | 81.6507% | 4,819 |
| Equity capital to assets | 9.2150% | 5,142 |
| Core capital (leverage) ratio | 8.7867% | 4,997 |
| Tier 1 risk-based capital ratio | 10.9261% | 6,018 |
| Total risk-based capital ratio | 12.1062% | 6,056 |
| Memoranda: | ||
| Average total assets | $582,901,500 | 1,197 |
| Average earning assets | $545,597,000 | 1,169 |
| Average equity | $53,271,500 | 1,255 |
| Average total loans | $425,310,500 | 1,146 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5991% | 4,082 |
| Cost of funding earning assets | 2.0945% | 3,295 |
| Net interest margin | 3.5046% | 4,775 |
| Noninterest income to average assets | 0.8329% | 2,252 |
| Noninterest expense to average assets | 3.2858% | 3,021 |
| Loan and lease loss provision to assets | 0.4499% | 3,284 |
| Net operating income to assets | 0.2378% | 5,135 |
| Return on assets (ROA) | 0.2378% | 5,222 |
| Pretax return on assets | 0.3646% | 5,029 |
| Return on Equity (ROE) | 2.6090% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.4211% | 3,986 |
| Net charge-offs to loans | 0.1901% | 4,360 |
| Credit loss provision to net charge-offs | 324.1975% | 1,442 |
| Earnings coverage of net charge-offs (x) | 5.8691% | 2,741 |
| Efficiency ratio | 80.1370% | 3,022 |
| Assets per employee ($millions) | 3.4379% | 4,982 |
| Cash dividends to net income (ytd only)* | 7.2046% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 2,971 |
| Loan loss allowance to noncurrent loans | 16.8320% | 7,290 |
| Noncurrent assets plus other real estate owned to assets | 6.5059% | 703 |
| Noncurrent loans to loans | 9.1788% | 422 |
| Net loans and leases to total assets | 69.3568% | 3,859 |
| Net loans and leases to deposits | 88.8991% | 3,015 |
| Net loans and leases to core deposits | 123.2414% | 2,092 |
| Total domestic deposits to total assets | 78.0174% | 6,071 |
| Equity capital to assets | 8.8850% | 5,476 |
| Core capital (leverage) ratio | 8.8500% | 4,862 |
| Tier 1 risk-based capital ratio | 10.8228% | 6,055 |
| Total risk-based capital ratio | 12.0743% | 5,991 |
| Memoranda: | ||
| Average total assets | $583,723,330 | 1,218 |
| Average earning assets | $544,193,000 | 1,189 |
| Average equity | $53,199,670 | 1,273 |
| Average total loans | $426,146,000 | 1,171 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7862% | 3,372 |
| Cost of funding earning assets | 2.1666% | 3,337 |
| Net interest margin | 3.6196% | 4,243 |
| Noninterest income to average assets | 0.8240% | 2,206 |
| Noninterest expense to average assets | 3.2271% | 2,871 |
| Loan and lease loss provision to assets | 0.0675% | 6,103 |
| Net operating income to assets | 0.5985% | 4,017 |
| Return on assets (ROA) | 0.5985% | 4,213 |
| Pretax return on assets | 0.9430% | 3,558 |
| Return on Equity (ROE) | 6.4818% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.1050% | 2,582 |
| Net charge-offs to loans | 0.1367% | 3,866 |
| Credit loss provision to net charge-offs | 66.4384% | 4,411 |
| Earnings coverage of net charge-offs (x) | 9.9452% | 1,998 |
| Efficiency ratio | 76.1537% | 3,462 |
| Assets per employee ($millions) | 3.3282% | 5,257 |
| Cash dividends to net income (ytd only)* | 5.8140% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 4,034 |
| Loan loss allowance to noncurrent loans | 36.9482% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 2.6601% | 2,155 |
| Noncurrent loans to loans | 3.5376% | 1,792 |
| Net loans and leases to total assets | 73.7442% | 2,822 |
| Net loans and leases to deposits | 95.9917% | 1,950 |
| Net loans and leases to core deposits | 138.7168% | 1,163 |
| Total domestic deposits to total assets | 76.8236% | 6,325 |
| Equity capital to assets | 9.4073% | 4,801 |
| Core capital (leverage) ratio | 9.1822% | 4,435 |
| Tier 1 risk-based capital ratio | 10.8122% | 6,081 |
| Total risk-based capital ratio | 11.9721% | 6,073 |
| Memoranda: | ||
| Average total assets | $574,765,000 | 1,238 |
| Average earning assets | $542,045,500 | 1,197 |
| Average equity | $53,071,500 | 1,279 |
| Average total loans | $427,306,000 | 1,188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9865% | 1,170 |
| Cost of funding earning assets | 2.4289% | 4,576 |
| Net interest margin | 4.5576% | 1,291 |
| Noninterest income to average assets | 0.9754% | 1,674 |
| Noninterest expense to average assets | 3.4926% | 2,417 |
| Loan and lease loss provision to assets | 0.3570% | 3,544 |
| Net operating income to assets | 1.0054% | 2,534 |
| Return on assets (ROA) | 0.6124% | 4,115 |
| Pretax return on assets | 0.8465% | 3,899 |
| Return on Equity (ROE) | 6.5117% | 3,747 |
| Retained earnings to average equity (ytd only) | 4.9901% | 2,036 |
| Net charge-offs to loans | 0.0648% | 5,847 |
| Credit loss provision to net charge-offs | 721.1321% | 582 |
| Earnings coverage of net charge-offs (x) | 35.3358% | 1,027 |
| Efficiency ratio | 66.6275% | 4,996 |
| Assets per employee ($millions) | 3.1882% | 5,513 |
| Cash dividends to net income (ytd only)* | 23.3679% | 4,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 3,647 |
| Loan loss allowance to noncurrent loans | 74.9601% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 3,613 |
| Noncurrent loans to loans | 1.7626% | 3,120 |
| Net loans and leases to total assets | 72.9937% | 3,358 |
| Net loans and leases to deposits | 95.5430% | 2,519 |
| Net loans and leases to core deposits | 139.7396% | 1,283 |
| Total domestic deposits to total assets | 76.3988% | 6,145 |
| Equity capital to assets | 9.0612% | 5,282 |
| Core capital (leverage) ratio | 9.2787% | 4,327 |
| Tier 1 risk-based capital ratio | 10.6441% | 6,056 |
| Total risk-based capital ratio | 11.8144% | 6,043 |
| Memoranda: | ||
| Average total assets | $535,270,200 | 1,270 |
| Average earning assets | $501,091,600 | 1,230 |
| Average equity | $50,339,800 | 1,341 |
| Average total loans | $408,723,000 | 1,179 |