Home > Community Bank & Trust > Performance and Condition Ratios
Community Bank & Trust, 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 | 4.5518% | 1,687 |
| Cost of funding earning assets | 0.5026% | 2,653 |
| Net interest margin | 4.0492% | 1,738 |
| Noninterest income to average assets | 2.1608% | 302 |
| Noninterest expense to average assets | 4.1747% | 617 |
| Loan and lease loss provision to assets | 0.3174% | 631 |
| Net operating income to assets | 0.8268% | 3,245 |
| Return on assets (ROA) | 0.9435% | 2,750 |
| Pretax return on assets | 1.5023% | 1,536 |
| Return on Equity (ROE) | 9.4006% | 2,392 |
| Retained earnings to average equity (ytd only) | -12.1819% | 6,351 |
| Net charge-offs to loans | 0.9244% | 349 |
| Credit loss provision to net charge-offs | 44.6950% | 3,594 |
| Earnings coverage of net charge-offs (x) | 2.3058% | 4,194 |
| Efficiency ratio | 71.8281% | 3,235 |
| Assets per employee ($millions) | 3.4002% | 5,060 |
| Cash dividends to net income (ytd only)* | 229.5867% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 1,275 |
| Loan loss allowance to noncurrent loans | 110.7368% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 1,968 |
| Noncurrent loans to loans | 1.7318% | 1,675 |
| Net loans and leases to total assets | 76.0739% | 1,255 |
| Net loans and leases to deposits | 90.3429% | 1,485 |
| Net loans and leases to core deposits | 98.1889% | 1,535 |
| Total domestic deposits to total assets | 84.2058% | 3,625 |
| Equity capital to assets | 8.9568% | 5,336 |
| Core capital (leverage) ratio | 8.1655% | 5,876 |
| Tier 1 risk-based capital ratio | 9.4688% | 6,356 |
| Total risk-based capital ratio | 10.7252% | 6,335 |
| Memoranda: | ||
| Average total assets | $530,911,400 | 1,265 |
| Average earning assets | $478,732,200 | 1,277 |
| Average equity | $53,283,800 | 1,372 |
| Average total loans | $407,835,600 | 1,077 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 1,776 |
| Cost of funding earning assets | 0.5243% | 2,526 |
| Net interest margin | 4.0032% | 1,868 |
| Noninterest income to average assets | 2.1168% | 313 |
| Noninterest expense to average assets | 3.2173% | 2,128 |
| Loan and lease loss provision to assets | 0.6980% | 187 |
| Net operating income to assets | 1.1217% | 1,955 |
| Return on assets (ROA) | 1.2772% | 1,503 |
| Pretax return on assets | 2.0508% | 511 |
| Return on Equity (ROE) | 12.3933% | 1,372 |
| Retained earnings to average equity (ytd only) | 1.4301% | 5,326 |
| Net charge-offs to loans | 0.7860% | 429 |
| Credit loss provision to net charge-offs | 115.8816% | 1,960 |
| Earnings coverage of net charge-offs (x) | 4.1601% | 3,526 |
| Efficiency ratio | 56.2165% | 5,643 |
| Assets per employee ($millions) | 3.3260% | 5,201 |
| Cash dividends to net income (ytd only)* | 88.4607% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 639 |
| Loan loss allowance to noncurrent loans | 107.9087% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 1,467 |
| Noncurrent loans to loans | 2.3307% | 1,283 |
| Net loans and leases to total assets | 76.3858% | 1,173 |
| Net loans and leases to deposits | 93.4906% | 1,082 |
| Net loans and leases to core deposits | 99.9761% | 1,370 |
| Total domestic deposits to total assets | 81.7042% | 4,586 |
| Equity capital to assets | 10.3813% | 3,698 |
| Core capital (leverage) ratio | 9.4857% | 4,399 |
| Tier 1 risk-based capital ratio | 10.9726% | 6,005 |
| Total risk-based capital ratio | 12.2356% | 5,945 |
| Memoranda: | ||
| Average total assets | $531,030,750 | 1,268 |
| Average earning assets | $478,378,000 | 1,292 |
| Average equity | $54,727,250 | 1,341 |
| Average total loans | $406,941,500 | 1,077 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 1,916 |
| Cost of funding earning assets | 0.5443% | 2,393 |
| Net interest margin | 3.9297% | 2,045 |
| Noninterest income to average assets | 2.1619% | 310 |
| Noninterest expense to average assets | 3.2064% | 2,174 |
| Loan and lease loss provision to assets | 0.9120% | 125 |
| Net operating income to assets | 0.9775% | 2,423 |
| Return on assets (ROA) | 1.2100% | 1,622 |
| Pretax return on assets | 1.9404% | 626 |
| Return on Equity (ROE) | 11.7697% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.2937% | 2,159 |
| Net charge-offs to loans | 0.9508% | 377 |
| Credit loss provision to net charge-offs | 126.1028% | 1,648 |
| Earnings coverage of net charge-offs (x) | 3.4416% | 3,307 |
| Efficiency ratio | 56.2965% | 5,713 |
| Assets per employee ($millions) | 3.2908% | 5,268 |
| Cash dividends to net income (ytd only)* | 46.5261% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5593% | 659 |
| Loan loss allowance to noncurrent loans | 107.1918% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 2.1279% | 1,454 |
| Noncurrent loans to loans | 2.3876% | 1,331 |
| Net loans and leases to total assets | 76.7258% | 1,081 |
| Net loans and leases to deposits | 92.1906% | 1,124 |
| Net loans and leases to core deposits | 100.5079% | 1,238 |
| Total domestic deposits to total assets | 83.2251% | 4,219 |
| Equity capital to assets | 10.7323% | 3,165 |
| Core capital (leverage) ratio | 9.6002% | 4,178 |
| Tier 1 risk-based capital ratio | 11.0749% | 6,021 |
| Total risk-based capital ratio | 12.3382% | 5,950 |
| Memoranda: | ||
| Average total assets | $532,871,000 | 1,258 |
| Average earning assets | $479,170,330 | 1,285 |
| Average equity | $54,784,670 | 1,324 |
| Average total loans | $405,331,670 | 1,075 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 1,996 |
| Cost of funding earning assets | 0.5469% | 2,447 |
| Net interest margin | 3.8916% | 2,113 |
| Noninterest income to average assets | 2.1760% | 295 |
| Noninterest expense to average assets | 3.3018% | 1,943 |
| Loan and lease loss provision to assets | 0.9048% | 126 |
| Net operating income to assets | 0.8978% | 2,668 |
| Return on assets (ROA) | 1.3572% | 1,125 |
| Pretax return on assets | 2.1812% | 364 |
| Return on Equity (ROE) | 13.4866% | 1,040 |
| Retained earnings to average equity (ytd only) | 2.4320% | 4,611 |
| Net charge-offs to loans | 1.3628% | 239 |
| Credit loss provision to net charge-offs | 88.7918% | 1,814 |
| Earnings coverage of net charge-offs (x) | 2.3239% | 2,904 |
| Efficiency ratio | 58.2341% | 5,626 |
| Assets per employee ($millions) | 3.3387% | 5,279 |
| Cash dividends to net income (ytd only)* | 81.9672% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4719% | 839 |
| Loan loss allowance to noncurrent loans | 158.5311% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 2,196 |
| Noncurrent loans to loans | 1.5592% | 2,479 |
| Net loans and leases to total assets | 72.9927% | 1,426 |
| Net loans and leases to deposits | 88.2002% | 1,337 |
| Net loans and leases to core deposits | 97.1810% | 1,301 |
| Total domestic deposits to total assets | 82.7580% | 4,685 |
| Equity capital to assets | 10.2520% | 3,536 |
| Core capital (leverage) ratio | 9.2316% | 4,670 |
| Tier 1 risk-based capital ratio | 10.9395% | 6,177 |
| Total risk-based capital ratio | 12.2017% | 6,126 |
| Memoranda: | ||
| Average total assets | $539,334,500 | 1,251 |
| Average earning assets | $484,226,500 | 1,280 |
| Average equity | $54,276,000 | 1,336 |
| Average total loans | $403,293,000 | 1,089 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 2,138 |
| Cost of funding earning assets | 0.8295% | 1,042 |
| Net interest margin | 3.6879% | 3,105 |
| Noninterest income to average assets | 1.7526% | 487 |
| Noninterest expense to average assets | 3.1561% | 2,563 |
| Loan and lease loss provision to assets | 0.9543% | 192 |
| Net operating income to assets | 1.5115% | 801 |
| Return on assets (ROA) | 1.5115% | 838 |
| Pretax return on assets | 0.9605% | 3,514 |
| Return on Equity (ROE) | 15.0261% | 758 |
| Retained earnings to average equity (ytd only) | 0.4306% | 5,658 |
| Net charge-offs to loans | 1.6787% | 261 |
| Credit loss provision to net charge-offs | 76.8435% | 3,117 |
| Earnings coverage of net charge-offs (x) | 1.5419% | 4,543 |
| Efficiency ratio | 62.2394% | 5,172 |
| Assets per employee ($millions) | 3.4025% | 5,082 |
| Cash dividends to net income (ytd only)* | 97.1345% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4372% | 893 |
| Loan loss allowance to noncurrent loans | 228.9945% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 2,846 |
| Noncurrent loans to loans | 1.0643% | 3,383 |
| Net loans and leases to total assets | 72.8905% | 1,540 |
| Net loans and leases to deposits | 87.5437% | 1,513 |
| Net loans and leases to core deposits | 92.6579% | 1,709 |
| Total domestic deposits to total assets | 83.2618% | 4,445 |
| Equity capital to assets | 9.8808% | 3,924 |
| Core capital (leverage) ratio | 8.9219% | 5,118 |
| Tier 1 risk-based capital ratio | 10.3208% | 6,423 |
| Total risk-based capital ratio | 11.5825% | 6,381 |
| Memoranda: | ||
| Average total assets | $544,906,400 | 1,217 |
| Average earning assets | $490,303,400 | 1,248 |
| Average equity | $54,811,400 | 1,302 |
| Average total loans | $403,117,600 | 1,062 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 2,118 |
| Cost of funding earning assets | 0.9013% | 809 |
| Net interest margin | 3.6290% | 3,326 |
| Noninterest income to average assets | 1.9081% | 446 |
| Noninterest expense to average assets | 3.2209% | 2,301 |
| Loan and lease loss provision to assets | 1.0780% | 144 |
| Net operating income to assets | 0.5662% | 4,497 |
| Return on assets (ROA) | 0.5662% | 4,650 |
| Pretax return on assets | 0.8803% | 3,966 |
| Return on Equity (ROE) | 5.6041% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.6041% | 2,657 |
| Net charge-offs to loans | 2.1701% | 163 |
| Credit loss provision to net charge-offs | 67.3195% | 3,120 |
| Earnings coverage of net charge-offs (x) | 1.2229% | 4,433 |
| Efficiency ratio | 62.1884% | 5,107 |
| Assets per employee ($millions) | 3.0979% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3699% | 1,079 |
| Loan loss allowance to noncurrent loans | 590.8291% | 770 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 3,587 |
| Noncurrent loans to loans | 0.4011% | 5,189 |
| Net loans and leases to total assets | 73.1460% | 1,422 |
| Net loans and leases to deposits | 87.6249% | 1,413 |
| Net loans and leases to core deposits | 91.2464% | 1,847 |
| Total domestic deposits to total assets | 83.4763% | 4,389 |
| Equity capital to assets | 10.6231% | 3,139 |
| Core capital (leverage) ratio | 9.9236% | 3,783 |
| Tier 1 risk-based capital ratio | 12.2154% | 5,631 |
| Total risk-based capital ratio | 13.4766% | 5,557 |
| Memoranda: | ||
| Average total assets | $544,181,000 | 1,232 |
| Average earning assets | $490,518,500 | 1,254 |
| Average equity | $54,982,250 | 1,306 |
| Average total loans | $401,578,250 | 1,067 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 2,303 |
| Cost of funding earning assets | 0.9632% | 661 |
| Net interest margin | 3.5072% | 3,755 |
| Noninterest income to average assets | 1.8940% | 480 |
| Noninterest expense to average assets | 3.2427% | 2,231 |
| Loan and lease loss provision to assets | 1.4572% | 92 |
| Net operating income to assets | 0.2485% | 5,781 |
| Return on assets (ROA) | 0.2485% | 5,907 |
| Pretax return on assets | 0.3603% | 5,729 |
| Return on Equity (ROE) | 2.5004% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.5004% | 4,707 |
| Net charge-offs to loans | 2.6552% | 133 |
| Credit loss provision to net charge-offs | 74.7384% | 2,729 |
| Earnings coverage of net charge-offs (x) | 0.9322% | 4,217 |
| Efficiency ratio | 64.0821% | 4,860 |
| Assets per employee ($millions) | 3.3477% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5627% | 916 |
| Loan loss allowance to noncurrent loans | 248.1130% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.5218% | 2,822 |
| Noncurrent loans to loans | 1.0329% | 3,868 |
| Net loans and leases to total assets | 70.1410% | 1,860 |
| Net loans and leases to deposits | 83.3525% | 1,889 |
| Net loans and leases to core deposits | 87.0781% | 2,222 |
| Total domestic deposits to total assets | 84.1498% | 4,259 |
| Equity capital to assets | 9.9033% | 4,051 |
| Core capital (leverage) ratio | 9.6479% | 4,012 |
| Tier 1 risk-based capital ratio | 11.6733% | 6,010 |
| Total risk-based capital ratio | 12.9365% | 5,955 |
| Memoranda: | ||
| Average total assets | $548,994,000 | 1,223 |
| Average earning assets | $495,614,670 | 1,236 |
| Average equity | $54,551,330 | 1,323 |
| Average total loans | $403,140,670 | 1,050 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 2,269 |
| Cost of funding earning assets | 1.0163% | 560 |
| Net interest margin | 3.4557% | 3,875 |
| Noninterest income to average assets | 1.6042% | 607 |
| Noninterest expense to average assets | 3.2223% | 2,287 |
| Loan and lease loss provision to assets | 0.8770% | 232 |
| Net operating income to assets | 0.4071% | 5,104 |
| Return on assets (ROA) | 0.4071% | 5,251 |
| Pretax return on assets | 0.6161% | 4,890 |
| Return on Equity (ROE) | 4.0899% | 5,046 |
| Retained earnings to average equity (ytd only) | 4.0899% | 3,766 |
| Net charge-offs to loans | 2.7623% | 139 |
| Credit loss provision to net charge-offs | 42.8113% | 2,710 |
| Earnings coverage of net charge-offs (x) | 0.7289% | 3,584 |
| Efficiency ratio | 68.3354% | 4,248 |
| Assets per employee ($millions) | 3.1816% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4825% | 1,141 |
| Loan loss allowance to noncurrent loans | 142.6582% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 2,821 |
| Noncurrent loans to loans | 1.7401% | 2,944 |
| Net loans and leases to total assets | 73.4832% | 1,146 |
| Net loans and leases to deposits | 87.8542% | 1,162 |
| Net loans and leases to core deposits | 92.2706% | 1,482 |
| Total domestic deposits to total assets | 83.6422% | 4,613 |
| Equity capital to assets | 10.3122% | 3,787 |
| Core capital (leverage) ratio | 9.5493% | 3,998 |
| Tier 1 risk-based capital ratio | 11.9044% | 5,973 |
| Total risk-based capital ratio | 13.1672% | 5,935 |
| Memoranda: | ||
| Average total assets | $547,305,000 | 1,236 |
| Average earning assets | $492,754,500 | 1,258 |
| Average equity | $54,475,500 | 1,338 |
| Average total loans | $405,896,500 | 1,045 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 2,291 |
| Cost of funding earning assets | 1.2183% | 535 |
| Net interest margin | 3.5587% | 4,271 |
| Noninterest income to average assets | 1.7066% | 560 |
| Noninterest expense to average assets | 3.2056% | 2,591 |
| Loan and lease loss provision to assets | 1.0187% | 395 |
| Net operating income to assets | 0.8501% | 3,043 |
| Return on assets (ROA) | 0.9181% | 2,961 |
| Pretax return on assets | 0.7662% | 4,428 |
| Return on Equity (ROE) | 9.6241% | 2,349 |
| Retained earnings to average equity (ytd only) | 6.7638% | 1,686 |
| Net charge-offs to loans | 1.4284% | 639 |
| Credit loss provision to net charge-offs | 95.0441% | 3,271 |
| Earnings coverage of net charge-offs (x) | 1.6018% | 4,643 |
| Efficiency ratio | 65.1207% | 4,682 |
| Assets per employee ($millions) | 3.3730% | 5,275 |
| Cash dividends to net income (ytd only)* | 29.7206% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8054% | 816 |
| Loan loss allowance to noncurrent loans | 141.0830% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 1.9597% | 2,497 |
| Noncurrent loans to loans | 1.9885% | 2,710 |
| Net loans and leases to total assets | 70.9903% | 1,651 |
| Net loans and leases to deposits | 86.4329% | 1,454 |
| Net loans and leases to core deposits | 92.2211% | 1,621 |
| Total domestic deposits to total assets | 82.1334% | 5,050 |
| Equity capital to assets | 9.6149% | 4,721 |
| Core capital (leverage) ratio | 9.7275% | 3,761 |
| Tier 1 risk-based capital ratio | 11.6268% | 6,018 |
| Total risk-based capital ratio | 12.8937% | 5,967 |
| Memoranda: | ||
| Average total assets | $549,694,600 | 1,220 |
| Average earning assets | $496,748,400 | 1,226 |
| Average equity | $52,441,000 | 1,360 |
| Average total loans | $412,476,600 | 1,012 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 2,310 |
| Cost of funding earning assets | 1.2641% | 523 |
| Net interest margin | 3.5571% | 4,411 |
| Noninterest income to average assets | 1.8019% | 493 |
| Noninterest expense to average assets | 3.2719% | 2,353 |
| Loan and lease loss provision to assets | 0.8542% | 539 |
| Net operating income to assets | 0.5791% | 4,479 |
| Return on assets (ROA) | 0.6375% | 4,453 |
| Pretax return on assets | 0.9894% | 3,754 |
| Return on Equity (ROE) | 6.6958% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.6958% | 2,283 |
| Net charge-offs to loans | 1.3332% | 696 |
| Credit loss provision to net charge-offs | 84.8074% | 3,469 |
| Earnings coverage of net charge-offs (x) | 1.7398% | 4,402 |
| Efficiency ratio | 65.1219% | 4,609 |
| Assets per employee ($millions) | 3.0336% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7110% | 969 |
| Loan loss allowance to noncurrent loans | 200.1250% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 2,808 |
| Noncurrent loans to loans | 1.3547% | 3,757 |
| Net loans and leases to total assets | 77.5280% | 785 |
| Net loans and leases to deposits | 94.3327% | 764 |
| Net loans and leases to core deposits | 102.8943% | 937 |
| Total domestic deposits to total assets | 82.1857% | 4,954 |
| Equity capital to assets | 10.2662% | 4,114 |
| Core capital (leverage) ratio | 9.9987% | 3,546 |
| Tier 1 risk-based capital ratio | 11.6576% | 6,144 |
| Total risk-based capital ratio | 12.9231% | 6,111 |
| Memoranda: | ||
| Average total assets | $546,295,750 | 1,243 |
| Average earning assets | $494,888,250 | 1,245 |
| Average equity | $52,011,250 | 1,375 |
| Average total loans | $412,740,000 | 1,019 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 2,591 |
| Cost of funding earning assets | 1.3000% | 533 |
| Net interest margin | 3.4775% | 4,772 |
| Noninterest income to average assets | 1.8510% | 447 |
| Noninterest expense to average assets | 3.2689% | 2,390 |
| Loan and lease loss provision to assets | 0.9001% | 518 |
| Net operating income to assets | 0.5400% | 4,627 |
| Return on assets (ROA) | 0.6276% | 4,488 |
| Pretax return on assets | 0.9700% | 3,819 |
| Return on Equity (ROE) | 6.7563% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.7563% | 2,246 |
| Net charge-offs to loans | 1.4501% | 697 |
| Credit loss provision to net charge-offs | 83.5841% | 3,225 |
| Earnings coverage of net charge-offs (x) | 1.6115% | 4,184 |
| Efficiency ratio | 65.3212% | 4,666 |
| Assets per employee ($millions) | 3.1597% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7994% | 944 |
| Loan loss allowance to noncurrent loans | 141.6812% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 2.2083% | 2,532 |
| Noncurrent loans to loans | 1.9758% | 2,970 |
| Net loans and leases to total assets | 72.8930% | 1,410 |
| Net loans and leases to deposits | 89.1421% | 1,241 |
| Net loans and leases to core deposits | 103.0786% | 911 |
| Total domestic deposits to total assets | 81.7717% | 5,210 |
| Equity capital to assets | 9.6847% | 4,775 |
| Core capital (leverage) ratio | 9.4238% | 4,263 |
| Tier 1 risk-based capital ratio | 11.6395% | 6,149 |
| Total risk-based capital ratio | 12.9064% | 6,120 |
| Memoranda: | ||
| Average total assets | $555,476,670 | 1,218 |
| Average earning assets | $503,689,330 | 1,219 |
| Average equity | $51,596,330 | 1,378 |
| Average total loans | $412,524,670 | 1,019 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 2,663 |
| Cost of funding earning assets | 1.3541% | 503 |
| Net interest margin | 3.4396% | 4,960 |
| Noninterest income to average assets | 1.8130% | 476 |
| Noninterest expense to average assets | 3.2949% | 2,305 |
| Loan and lease loss provision to assets | 0.7104% | 732 |
| Net operating income to assets | 0.5965% | 4,354 |
| Return on assets (ROA) | 0.7665% | 3,772 |
| Pretax return on assets | 1.1935% | 2,934 |
| Return on Equity (ROE) | 8.4247% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.4247% | 1,809 |
| Net charge-offs to loans | 1.3926% | 722 |
| Credit loss provision to net charge-offs | 69.0131% | 2,936 |
| Earnings coverage of net charge-offs (x) | 1.5914% | 3,532 |
| Efficiency ratio | 66.7915% | 4,402 |
| Assets per employee ($millions) | 3.2767% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7579% | 1,046 |
| Loan loss allowance to noncurrent loans | 118.6061% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 2.5299% | 2,344 |
| Noncurrent loans to loans | 2.3252% | 2,784 |
| Net loans and leases to total assets | 72.4915% | 1,319 |
| Net loans and leases to deposits | 87.5769% | 1,223 |
| Net loans and leases to core deposits | 104.7671% | 731 |
| Total domestic deposits to total assets | 82.7747% | 5,018 |
| Equity capital to assets | 9.3315% | 5,051 |
| Core capital (leverage) ratio | 8.8318% | 5,095 |
| Tier 1 risk-based capital ratio | 11.1886% | 6,452 |
| Total risk-based capital ratio | 12.4550% | 6,424 |
| Memoranda: | ||
| Average total assets | $563,058,000 | 1,202 |
| Average earning assets | $510,755,000 | 1,209 |
| Average equity | $51,230,500 | 1,386 |
| Average total loans | $416,190,000 | 1,006 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 3,431 |
| Cost of funding earning assets | 1.5265% | 645 |
| Net interest margin | 3.3581% | 5,617 |
| Noninterest income to average assets | 1.5271% | 563 |
| Noninterest expense to average assets | 3.2041% | 2,848 |
| Loan and lease loss provision to assets | 1.5755% | 454 |
| Net operating income to assets | -1.3317% | 6,866 |
| Return on assets (ROA) | -1.3317% | 6,885 |
| Pretax return on assets | -0.2324% | 6,305 |
| Return on Equity (ROE) | -13.4702% | 6,848 |
| Retained earnings to average equity (ytd only) | -13.4702% | 6,823 |
| Net charge-offs to loans | 1.9783% | 700 |
| Credit loss provision to net charge-offs | 107.2851% | 3,153 |
| Earnings coverage of net charge-offs (x) | 0.9146% | 5,117 |
| Efficiency ratio | 70.4630% | 3,851 |
| Assets per employee ($millions) | 3.3867% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8206% | 957 |
| Loan loss allowance to noncurrent loans | 100.3221% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 2.8633% | 2,109 |
| Noncurrent loans to loans | 2.8115% | 2,332 |
| Net loans and leases to total assets | 71.2374% | 1,782 |
| Net loans and leases to deposits | 85.8604% | 1,684 |
| Net loans and leases to core deposits | 107.7181% | 715 |
| Total domestic deposits to total assets | 82.9689% | 4,761 |
| Equity capital to assets | 8.8733% | 5,704 |
| Core capital (leverage) ratio | 8.4212% | 5,686 |
| Tier 1 risk-based capital ratio | 10.8256% | 6,543 |
| Total risk-based capital ratio | 12.0934% | 6,517 |
| Memoranda: | ||
| Average total assets | $581,416,200 | 1,131 |
| Average earning assets | $522,883,600 | 1,137 |
| Average equity | $57,482,400 | 1,185 |
| Average total loans | $431,591,000 | 970 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 3,680 |
| Cost of funding earning assets | 1.5609% | 688 |
| Net interest margin | 3.3094% | 5,830 |
| Noninterest income to average assets | 1.6049% | 514 |
| Noninterest expense to average assets | 3.1715% | 2,921 |
| Loan and lease loss provision to assets | 1.2335% | 624 |
| Net operating income to assets | 0.1476% | 5,843 |
| Return on assets (ROA) | 0.1476% | 5,962 |
| Pretax return on assets | 0.1711% | 5,950 |
| Return on Equity (ROE) | 1.4560% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.4560% | 5,413 |
| Net charge-offs to loans | 2.0128% | 630 |
| Credit loss provision to net charge-offs | 82.3045% | 4,065 |
| Earnings coverage of net charge-offs (x) | 0.9372% | 4,923 |
| Efficiency ratio | 69.3056% | 4,074 |
| Assets per employee ($millions) | 3.2018% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 1,623 |
| Loan loss allowance to noncurrent loans | 80.4466% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 3.1326% | 2,040 |
| Noncurrent loans to loans | 2.9203% | 2,385 |
| Net loans and leases to total assets | 73.7188% | 1,369 |
| Net loans and leases to deposits | 89.6108% | 1,260 |
| Net loans and leases to core deposits | 113.4834% | 567 |
| Total domestic deposits to total assets | 82.2655% | 4,984 |
| Equity capital to assets | 10.5237% | 3,679 |
| Core capital (leverage) ratio | 9.0696% | 4,826 |
| Tier 1 risk-based capital ratio | 11.2256% | 6,411 |
| Total risk-based capital ratio | 12.4877% | 6,388 |
| Memoranda: | ||
| Average total assets | $583,683,250 | 1,127 |
| Average earning assets | $524,028,000 | 1,147 |
| Average equity | $59,156,500 | 1,143 |
| Average total loans | $434,598,750 | 975 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 3,938 |
| Cost of funding earning assets | 1.5861% | 737 |
| Net interest margin | 3.2475% | 6,010 |
| Noninterest income to average assets | 1.7209% | 455 |
| Noninterest expense to average assets | 3.1731% | 2,992 |
| Loan and lease loss provision to assets | 1.2217% | 632 |
| Net operating income to assets | 0.1985% | 5,747 |
| Return on assets (ROA) | 0.1985% | 5,863 |
| Pretax return on assets | 0.2542% | 5,799 |
| Return on Equity (ROE) | 1.9832% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.9832% | 4,985 |
| Net charge-offs to loans | 1.2045% | 1,302 |
| Credit loss provision to net charge-offs | 136.8301% | 2,231 |
| Earnings coverage of net charge-offs (x) | 1.6530% | 4,052 |
| Efficiency ratio | 68.2532% | 4,469 |
| Assets per employee ($millions) | 3.2056% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8857% | 1,000 |
| Loan loss allowance to noncurrent loans | 71.0677% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 3.7643% | 1,733 |
| Noncurrent loans to loans | 4.0605% | 1,703 |
| Net loans and leases to total assets | 71.4401% | 1,898 |
| Net loans and leases to deposits | 86.8014% | 1,678 |
| Net loans and leases to core deposits | 113.7573% | 583 |
| Total domestic deposits to total assets | 82.3030% | 5,060 |
| Equity capital to assets | 10.3691% | 3,666 |
| Core capital (leverage) ratio | 9.1004% | 4,567 |
| Tier 1 risk-based capital ratio | 11.1537% | 6,412 |
| Total risk-based capital ratio | 12.4209% | 6,397 |
| Memoranda: | ||
| Average total assets | $589,337,330 | 1,130 |
| Average earning assets | $531,365,670 | 1,144 |
| Average equity | $58,995,330 | 1,136 |
| Average total loans | $436,854,670 | 985 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 3,998 |
| Cost of funding earning assets | 1.6568% | 657 |
| Net interest margin | 3.1569% | 6,199 |
| Noninterest income to average assets | 1.6299% | 505 |
| Noninterest expense to average assets | 3.1398% | 3,108 |
| Loan and lease loss provision to assets | 1.2058% | 585 |
| Net operating income to assets | 0.1266% | 6,019 |
| Return on assets (ROA) | 0.1266% | 6,078 |
| Pretax return on assets | 0.1320% | 6,097 |
| Return on Equity (ROE) | 1.2870% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.2870% | 5,312 |
| Net charge-offs to loans | 1.0652% | 1,288 |
| Credit loss provision to net charge-offs | 152.1555% | 1,880 |
| Earnings coverage of net charge-offs (x) | 1.6881% | 3,468 |
| Efficiency ratio | 70.1227% | 4,240 |
| Assets per employee ($millions) | 3.3091% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7375% | 1,169 |
| Loan loss allowance to noncurrent loans | 70.6715% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 3.6448% | 1,862 |
| Noncurrent loans to loans | 3.8736% | 1,897 |
| Net loans and leases to total assets | 72.5745% | 1,595 |
| Net loans and leases to deposits | 87.9945% | 1,468 |
| Net loans and leases to core deposits | 119.3238% | 436 |
| Total domestic deposits to total assets | 82.4762% | 5,118 |
| Equity capital to assets | 10.1593% | 3,580 |
| Core capital (leverage) ratio | 8.6164% | 5,241 |
| Tier 1 risk-based capital ratio | 10.9373% | 6,551 |
| Total risk-based capital ratio | 12.2031% | 6,516 |
| Memoranda: | ||
| Average total assets | $597,101,500 | 1,120 |
| Average earning assets | $538,623,500 | 1,135 |
| Average equity | $58,743,500 | 1,128 |
| Average total loans | $444,226,500 | 983 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 4,461 |
| Cost of funding earning assets | 1.5236% | 2,509 |
| Net interest margin | 3.4953% | 5,260 |
| Noninterest income to average assets | 1.1721% | 1,076 |
| Noninterest expense to average assets | 3.1095% | 3,414 |
| Loan and lease loss provision to assets | 1.4022% | 1,073 |
| Net operating income to assets | -0.0432% | 5,918 |
| Return on assets (ROA) | 0.0106% | 5,939 |
| Pretax return on assets | -0.0916% | 5,991 |
| Return on Equity (ROE) | 0.1153% | 5,936 |
| Retained earnings to average equity (ytd only) | 0.1153% | 5,526 |
| Net charge-offs to loans | 1.4420% | 1,533 |
| Credit loss provision to net charge-offs | 129.8758% | 3,069 |
| Earnings coverage of net charge-offs (x) | 1.1360% | 4,968 |
| Efficiency ratio | 71.7144% | 3,853 |
| Assets per employee ($millions) | 3.5555% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4569% | 1,467 |
| Loan loss allowance to noncurrent loans | 85.4313% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 2.8354% | 2,472 |
| Noncurrent loans to loans | 2.8759% | 2,649 |
| Net loans and leases to total assets | 72.3672% | 2,011 |
| Net loans and leases to deposits | 89.5050% | 1,590 |
| Net loans and leases to core deposits | 124.6669% | 413 |
| Total domestic deposits to total assets | 80.8527% | 5,566 |
| Equity capital to assets | 9.5357% | 4,357 |
| Core capital (leverage) ratio | 8.3211% | 5,659 |
| Tier 1 risk-based capital ratio | 10.5260% | 6,681 |
| Total risk-based capital ratio | 11.7891% | 6,648 |
| Memoranda: | ||
| Average total assets | $634,015,800 | 1,059 |
| Average earning assets | $573,907,800 | 1,049 |
| Average equity | $58,133,000 | 1,146 |
| Average total loans | $474,674,600 | 949 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 4,680 |
| Cost of funding earning assets | 1.5210% | 2,836 |
| Net interest margin | 3.5074% | 5,263 |
| Noninterest income to average assets | 1.0831% | 1,217 |
| Noninterest expense to average assets | 3.1140% | 3,276 |
| Loan and lease loss provision to assets | 1.1220% | 1,297 |
| Net operating income to assets | 0.0658% | 5,850 |
| Return on assets (ROA) | 0.1184% | 5,884 |
| Pretax return on assets | 0.0772% | 5,958 |
| Return on Equity (ROE) | 1.3034% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.3034% | 5,288 |
| Net charge-offs to loans | 1.3649% | 1,487 |
| Credit loss provision to net charge-offs | 109.5597% | 3,877 |
| Earnings coverage of net charge-offs (x) | 1.1196% | 4,935 |
| Efficiency ratio | 73.0880% | 3,504 |
| Assets per employee ($millions) | 3.4161% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0620% | 2,081 |
| Loan loss allowance to noncurrent loans | 62.7140% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.2726% | 2,183 |
| Noncurrent loans to loans | 3.2879% | 2,407 |
| Net loans and leases to total assets | 74.4338% | 1,704 |
| Net loans and leases to deposits | 90.9146% | 1,595 |
| Net loans and leases to core deposits | 130.0950% | 373 |
| Total domestic deposits to total assets | 81.8722% | 5,047 |
| Equity capital to assets | 9.7001% | 4,546 |
| Core capital (leverage) ratio | 8.5408% | 5,433 |
| Tier 1 risk-based capital ratio | 10.6254% | 6,689 |
| Total risk-based capital ratio | 11.8838% | 6,671 |
| Memoranda: | ||
| Average total assets | $638,742,250 | 1,054 |
| Average earning assets | $578,645,000 | 1,048 |
| Average equity | $58,002,500 | 1,149 |
| Average total loans | $479,255,750 | 944 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 4,878 |
| Cost of funding earning assets | 1.5131% | 3,183 |
| Net interest margin | 3.5018% | 5,237 |
| Noninterest income to average assets | 0.9337% | 1,569 |
| Noninterest expense to average assets | 3.0679% | 3,436 |
| Loan and lease loss provision to assets | 1.0128% | 1,437 |
| Net operating income to assets | 0.0634% | 5,964 |
| Return on assets (ROA) | 0.1416% | 5,859 |
| Pretax return on assets | 0.1055% | 5,968 |
| Return on Equity (ROE) | 1.5943% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.5943% | 5,063 |
| Net charge-offs to loans | 0.5898% | 2,758 |
| Credit loss provision to net charge-offs | 229.8246% | 1,687 |
| Earnings coverage of net charge-offs (x) | 2.3600% | 3,816 |
| Efficiency ratio | 74.6819% | 3,336 |
| Assets per employee ($millions) | 3.5446% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3046% | 1,578 |
| Loan loss allowance to noncurrent loans | 74.1237% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 2.8596% | 2,524 |
| Noncurrent loans to loans | 3.1092% | 2,583 |
| Net loans and leases to total assets | 71.6057% | 2,513 |
| Net loans and leases to deposits | 86.6923% | 2,397 |
| Net loans and leases to core deposits | 133.2574% | 376 |
| Total domestic deposits to total assets | 82.5976% | 4,741 |
| Equity capital to assets | 9.0979% | 5,297 |
| Core capital (leverage) ratio | 8.1046% | 6,108 |
| Tier 1 risk-based capital ratio | 10.2375% | 6,887 |
| Total risk-based capital ratio | 11.4981% | 6,860 |
| Memoranda: | ||
| Average total assets | $646,693,000 | 1,048 |
| Average earning assets | $586,219,330 | 1,047 |
| Average equity | $57,455,000 | 1,150 |
| Average total loans | $483,233,670 | 946 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 4,973 |
| Cost of funding earning assets | 1.4918% | 3,613 |
| Net interest margin | 3.5183% | 5,092 |
| Noninterest income to average assets | 1.0380% | 1,182 |
| Noninterest expense to average assets | 3.1674% | 2,985 |
| Loan and lease loss provision to assets | 0.7454% | 1,706 |
| Net operating income to assets | 0.2715% | 5,414 |
| Return on assets (ROA) | 0.2820% | 5,496 |
| Pretax return on assets | 0.3298% | 5,524 |
| Return on Equity (ROE) | 3.2134% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.2134% | 4,222 |
| Net charge-offs to loans | 0.3162% | 3,153 |
| Credit loss provision to net charge-offs | 312.5000% | 1,259 |
| Earnings coverage of net charge-offs (x) | 4.4557% | 2,620 |
| Efficiency ratio | 74.8752% | 3,430 |
| Assets per employee ($millions) | 3.5073% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0699% | 2,018 |
| Loan loss allowance to noncurrent loans | 53.6490% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 3.4622% | 2,041 |
| Noncurrent loans to loans | 3.8583% | 2,052 |
| Net loans and leases to total assets | 72.0122% | 2,443 |
| Net loans and leases to deposits | 86.7053% | 2,466 |
| Net loans and leases to core deposits | 137.6053% | 358 |
| Total domestic deposits to total assets | 83.0540% | 4,594 |
| Equity capital to assets | 8.6735% | 5,767 |
| Core capital (leverage) ratio | 8.0622% | 6,143 |
| Tier 1 risk-based capital ratio | 9.7151% | 7,200 |
| Total risk-based capital ratio | 10.9732% | 7,191 |
| Memoranda: | ||
| Average total assets | $643,933,000 | 1,073 |
| Average earning assets | $584,252,000 | 1,070 |
| Average equity | $56,513,500 | 1,174 |
| Average total loans | $485,831,000 | 967 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 4,989 |
| Cost of funding earning assets | 1.7508% | 4,245 |
| Net interest margin | 3.5877% | 4,592 |
| Noninterest income to average assets | 1.3255% | 853 |
| Noninterest expense to average assets | 3.0404% | 3,988 |
| Loan and lease loss provision to assets | 1.6840% | 1,357 |
| Net operating income to assets | 0.0229% | 5,422 |
| Return on assets (ROA) | 0.0370% | 5,426 |
| Pretax return on assets | -0.0800% | 5,573 |
| Return on Equity (ROE) | 0.4380% | 5,407 |
| Retained earnings to average equity (ytd only) | -0.4745% | 5,097 |
| Net charge-offs to loans | 2.3013% | 1,012 |
| Credit loss provision to net charge-offs | 91.9303% | 5,938 |
| Earnings coverage of net charge-offs (x) | 0.8636% | 5,248 |
| Efficiency ratio | 65.7763% | 5,435 |
| Assets per employee ($millions) | 3.3979% | 5,264 |
| Cash dividends to net income (ytd only)* | 208.3333% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8732% | 2,336 |
| Loan loss allowance to noncurrent loans | 52.0941% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 3.3435% | 2,042 |
| Noncurrent loans to loans | 3.5958% | 2,102 |
| Net loans and leases to total assets | 75.9823% | 1,804 |
| Net loans and leases to deposits | 91.3918% | 1,987 |
| Net loans and leases to core deposits | 103.7616% | 3,597 |
| Total domestic deposits to total assets | 83.1391% | 4,464 |
| Equity capital to assets | 8.8830% | 5,307 |
| Core capital (leverage) ratio | 8.0214% | 6,139 |
| Tier 1 risk-based capital ratio | 9.8689% | 6,972 |
| Total risk-based capital ratio | 11.1253% | 6,946 |
| Memoranda: | ||
| Average total assets | $648,760,400 | 1,069 |
| Average earning assets | $596,177,800 | 1,050 |
| Average equity | $54,798,400 | 1,198 |
| Average total loans | $516,411,400 | 926 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 5,199 |
| Cost of funding earning assets | 1.8139% | 4,318 |
| Net interest margin | 3.5308% | 4,741 |
| Noninterest income to average assets | 1.1999% | 1,067 |
| Noninterest expense to average assets | 3.0850% | 3,699 |
| Loan and lease loss provision to assets | 0.9189% | 2,088 |
| Net operating income to assets | 0.3556% | 4,571 |
| Return on assets (ROA) | 0.3784% | 4,589 |
| Pretax return on assets | 0.4833% | 4,570 |
| Return on Equity (ROE) | 4.5363% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.3123% | 3,459 |
| Net charge-offs to loans | 1.5360% | 1,331 |
| Credit loss provision to net charge-offs | 74.6640% | 5,893 |
| Earnings coverage of net charge-offs (x) | 1.1156% | 4,946 |
| Efficiency ratio | 69.2012% | 4,745 |
| Assets per employee ($millions) | 3.4112% | 5,140 |
| Cash dividends to net income (ytd only)* | 26.9833% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 2,551 |
| Loan loss allowance to noncurrent loans | 48.5298% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 3.2000% | 2,119 |
| Noncurrent loans to loans | 3.5427% | 2,112 |
| Net loans and leases to total assets | 78.7456% | 1,436 |
| Net loans and leases to deposits | 94.9121% | 1,729 |
| Net loans and leases to core deposits | 104.7506% | 3,851 |
| Total domestic deposits to total assets | 82.9669% | 4,239 |
| Equity capital to assets | 8.9486% | 5,559 |
| Core capital (leverage) ratio | 8.5092% | 5,472 |
| Tier 1 risk-based capital ratio | 10.2576% | 6,727 |
| Total risk-based capital ratio | 11.5120% | 6,664 |
| Memoranda: | ||
| Average total assets | $652,949,250 | 1,079 |
| Average earning assets | $602,532,750 | 1,051 |
| Average equity | $54,462,750 | 1,227 |
| Average total loans | $523,169,500 | 927 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3227% | 5,537 |
| Cost of funding earning assets | 1.8975% | 4,276 |
| Net interest margin | 3.4252% | 5,078 |
| Noninterest income to average assets | 1.1758% | 1,127 |
| Noninterest expense to average assets | 3.0879% | 3,749 |
| Loan and lease loss provision to assets | 0.6339% | 2,527 |
| Net operating income to assets | 0.4520% | 4,281 |
| Return on assets (ROA) | 0.4839% | 4,264 |
| Pretax return on assets | 0.6566% | 4,138 |
| Return on Equity (ROE) | 5.9374% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.0854% | 3,020 |
| Net charge-offs to loans | 0.6737% | 2,355 |
| Credit loss provision to net charge-offs | 117.4497% | 3,960 |
| Earnings coverage of net charge-offs (x) | 2.3110% | 3,911 |
| Efficiency ratio | 71.2276% | 4,556 |
| Assets per employee ($millions) | 3.6210% | 4,520 |
| Cash dividends to net income (ytd only)* | 31.1915% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 1,583 |
| Loan loss allowance to noncurrent loans | 53.2500% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 3.4720% | 1,794 |
| Noncurrent loans to loans | 3.7387% | 1,854 |
| Net loans and leases to total assets | 79.2716% | 1,464 |
| Net loans and leases to deposits | 96.2653% | 1,752 |
| Net loans and leases to core deposits | 106.5331% | 3,771 |
| Total domestic deposits to total assets | 82.3471% | 4,544 |
| Equity capital to assets | 8.4051% | 6,184 |
| Core capital (leverage) ratio | 8.0617% | 6,229 |
| Tier 1 risk-based capital ratio | 9.7991% | 7,138 |
| Total risk-based capital ratio | 11.0572% | 7,074 |
| Memoranda: | ||
| Average total assets | $662,518,330 | 1,073 |
| Average earning assets | $611,113,000 | 1,050 |
| Average equity | $53,996,670 | 1,245 |
| Average total loans | $530,838,670 | 932 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 5,776 |
| Cost of funding earning assets | 2.0351% | 3,955 |
| Net interest margin | 3.2917% | 5,522 |
| Noninterest income to average assets | 0.8691% | 1,990 |
| Noninterest expense to average assets | 2.8927% | 4,180 |
| Loan and lease loss provision to assets | 0.2986% | 3,557 |
| Net operating income to assets | 0.5220% | 4,332 |
| Return on assets (ROA) | 0.5220% | 4,518 |
| Pretax return on assets | 0.7161% | 4,374 |
| Return on Equity (ROE) | 6.5035% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.5035% | 2,414 |
| Net charge-offs to loans | 0.4411% | 2,347 |
| Credit loss provision to net charge-offs | 84.8896% | 4,107 |
| Earnings coverage of net charge-offs (x) | 2.8846% | 3,346 |
| Efficiency ratio | 74.0293% | 3,817 |
| Assets per employee ($millions) | 3.6383% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 1,698 |
| Loan loss allowance to noncurrent loans | 56.4162% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.1805% | 1,752 |
| Noncurrent loans to loans | 3.3075% | 1,935 |
| Net loans and leases to total assets | 79.2807% | 1,527 |
| Net loans and leases to deposits | 94.8622% | 2,126 |
| Net loans and leases to core deposits | 106.4260% | 3,859 |
| Total domestic deposits to total assets | 83.5745% | 3,891 |
| Equity capital to assets | 8.1542% | 6,592 |
| Core capital (leverage) ratio | 8.0819% | 6,324 |
| Tier 1 risk-based capital ratio | 9.3253% | 7,564 |
| Total risk-based capital ratio | 10.5812% | 7,534 |
| Memoranda: | ||
| Average total assets | $669,695,500 | 1,055 |
| Average earning assets | $618,165,000 | 1,037 |
| Average equity | $53,755,500 | 1,257 |
| Average total loans | $534,134,500 | 936 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1931% | 4,554 |
| Cost of funding earning assets | 2.7429% | 2,963 |
| Net interest margin | 3.4502% | 5,465 |
| Noninterest income to average assets | 0.7177% | 3,005 |
| Noninterest expense to average assets | 3.4226% | 2,600 |
| Loan and lease loss provision to assets | 2.1048% | 555 |
| Net operating income to assets | -0.9127% | 7,194 |
| Return on assets (ROA) | -1.2258% | 7,294 |
| Pretax return on assets | -2.1412% | 7,483 |
| Return on Equity (ROE) | -14.6118% | 7,575 |
| Retained earnings to average equity (ytd only) | -15.6324% | 7,495 |
| Net charge-offs to loans | 1.5385% | 749 |
| Credit loss provision to net charge-offs | 168.8514% | 3,046 |
| Earnings coverage of net charge-offs (x) | 0.3633% | 6,014 |
| Efficiency ratio | 88.3147% | 1,652 |
| Assets per employee ($millions) | 3.6608% | 4,263 |
| Cash dividends to net income (ytd only)* | -6.9842% | 7,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 1,393 |
| Loan loss allowance to noncurrent loans | 101.3411% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 2,747 |
| Noncurrent loans to loans | 1.8840% | 2,935 |
| Net loans and leases to total assets | 77.2361% | 2,322 |
| Net loans and leases to deposits | 91.7683% | 3,178 |
| Net loans and leases to core deposits | 106.4699% | 4,137 |
| Total domestic deposits to total assets | 84.1642% | 3,234 |
| Equity capital to assets | 7.9010% | 6,973 |
| Core capital (leverage) ratio | 8.0443% | 6,416 |
| Tier 1 risk-based capital ratio | 9.1394% | 7,676 |
| Total risk-based capital ratio | 10.3956% | 7,637 |
| Memoranda: | ||
| Average total assets | $613,219,600 | 1,103 |
| Average earning assets | $561,240,800 | 1,098 |
| Average equity | $51,444,600 | 1,310 |
| Average total loans | $496,858,800 | 966 |