Home > Community Business Bank > Performance and Condition Ratios
Community Business Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3813% | 5,245 |
| Cost of funding earning assets | 0.4655% | 2,610 |
| Net interest margin | 2.9158% | 5,421 |
| Noninterest income to average assets | 0.1053% | 6,057 |
| Noninterest expense to average assets | 3.0608% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2369% | 6,165 |
| Return on assets (ROA) | -0.2369% | 6,186 |
| Pretax return on assets | -0.1369% | 6,135 |
| Return on Equity (ROE) | -1.8526% | 6,166 |
| Retained earnings to average equity (ytd only) | -1.8526% | 5,675 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6805% | 262 |
| Assets per employee ($millions) | 9.6817% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 1,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 60.9450% | 3,531 |
| Net loans and leases to deposits | 74.4214% | 3,251 |
| Net loans and leases to core deposits | 84.1186% | 2,755 |
| Total domestic deposits to total assets | 81.8917% | 4,540 |
| Equity capital to assets | 12.5301% | 1,676 |
| Core capital (leverage) ratio | 12.9348% | 1,178 |
| Tier 1 risk-based capital ratio | 19.1022% | 1,842 |
| Total risk-based capital ratio | 20.3501% | 1,800 |
| Memoranda: | ||
| Average total assets | $151,984,000 | 3,623 |
| Average earning assets | $146,925,000 | 3,521 |
| Average equity | $19,432,000 | 3,298 |
| Average total loans | $96,986,000 | 3,506 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 4,430 |
| Cost of funding earning assets | 0.5251% | 2,433 |
| Net interest margin | 3.2945% | 4,587 |
| Noninterest income to average assets | 0.1131% | 6,110 |
| Noninterest expense to average assets | 2.1347% | 5,496 |
| Loan and lease loss provision to assets | 0.0349% | 3,892 |
| Net operating income to assets | 0.7090% | 3,841 |
| Return on assets (ROA) | 0.7090% | 3,962 |
| Pretax return on assets | 1.1179% | 3,018 |
| Return on Equity (ROE) | 5.3891% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.3891% | 2,338 |
| Net charge-offs to loans | -0.0490% | 5,932 |
| Credit loss provision to net charge-offs | -106.3830% | 5,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9331% | 4,413 |
| Assets per employee ($millions) | 8.7683% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 2,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 64.7131% | 3,105 |
| Net loans and leases to deposits | 78.9094% | 2,851 |
| Net loans and leases to core deposits | 90.3067% | 2,247 |
| Total domestic deposits to total assets | 82.0094% | 4,419 |
| Equity capital to assets | 13.0510% | 1,348 |
| Core capital (leverage) ratio | 13.1792% | 1,071 |
| Tier 1 risk-based capital ratio | 19.3032% | 1,772 |
| Total risk-based capital ratio | 20.5565% | 1,739 |
| Memoranda: | ||
| Average total assets | $143,299,400 | 3,735 |
| Average earning assets | $138,077,400 | 3,627 |
| Average equity | $18,853,000 | 3,303 |
| Average total loans | $95,875,400 | 3,507 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 4,560 |
| Cost of funding earning assets | 0.5319% | 2,450 |
| Net interest margin | 3.2637% | 4,746 |
| Noninterest income to average assets | 0.1147% | 6,188 |
| Noninterest expense to average assets | 2.1476% | 5,467 |
| Loan and lease loss provision to assets | 0.0470% | 3,440 |
| Net operating income to assets | 0.6748% | 4,080 |
| Return on assets (ROA) | 0.6748% | 4,167 |
| Pretax return on assets | 1.0630% | 3,328 |
| Return on Equity (ROE) | 5.1186% | 4,668 |
| Retained earnings to average equity (ytd only) | 5.1186% | 3,007 |
| Net charge-offs to loans | -0.0685% | 6,026 |
| Credit loss provision to net charge-offs | -102.0408% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9261% | 4,222 |
| Assets per employee ($millions) | 9.1330% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 2,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 67.7995% | 2,567 |
| Net loans and leases to deposits | 83.9646% | 2,155 |
| Net loans and leases to core deposits | 96.3249% | 1,651 |
| Total domestic deposits to total assets | 80.7477% | 4,903 |
| Equity capital to assets | 13.0892% | 1,386 |
| Core capital (leverage) ratio | 13.0645% | 1,149 |
| Tier 1 risk-based capital ratio | 18.7349% | 1,975 |
| Total risk-based capital ratio | 19.9885% | 1,941 |
| Memoranda: | ||
| Average total assets | $141,859,000 | 3,790 |
| Average earning assets | $136,609,250 | 3,680 |
| Average equity | $18,702,750 | 3,339 |
| Average total loans | $95,341,000 | 3,552 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,751 |
| Cost of funding earning assets | 0.5384% | 2,450 |
| Net interest margin | 3.1948% | 4,964 |
| Noninterest income to average assets | 0.1097% | 6,247 |
| Noninterest expense to average assets | 2.1106% | 5,604 |
| Loan and lease loss provision to assets | 0.0712% | 2,850 |
| Net operating income to assets | 0.6366% | 4,173 |
| Return on assets (ROA) | 0.6366% | 4,274 |
| Pretax return on assets | 1.0040% | 3,461 |
| Return on Equity (ROE) | 4.8165% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.8165% | 3,075 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2494% | 4,324 |
| Assets per employee ($millions) | 9.3046% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 2,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 65.8463% | 2,769 |
| Net loans and leases to deposits | 82.6111% | 2,181 |
| Net loans and leases to core deposits | 94.9433% | 1,690 |
| Total domestic deposits to total assets | 79.7063% | 5,304 |
| Equity capital to assets | 12.6624% | 1,561 |
| Core capital (leverage) ratio | 13.1418% | 1,111 |
| Tier 1 risk-based capital ratio | 18.4201% | 2,094 |
| Total risk-based capital ratio | 19.6731% | 2,054 |
| Memoranda: | ||
| Average total assets | $140,436,000 | 3,842 |
| Average earning assets | $135,219,670 | 3,725 |
| Average equity | $18,561,330 | 3,351 |
| Average total loans | $93,579,000 | 3,601 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,849 |
| Cost of funding earning assets | 0.5313% | 2,593 |
| Net interest margin | 3.1693% | 5,016 |
| Noninterest income to average assets | 0.1028% | 6,323 |
| Noninterest expense to average assets | 2.1583% | 5,561 |
| Loan and lease loss provision to assets | 0.0470% | 3,155 |
| Net operating income to assets | 0.6020% | 4,191 |
| Return on assets (ROA) | 0.6020% | 4,268 |
| Pretax return on assets | 0.9456% | 3,537 |
| Return on Equity (ROE) | 4.4525% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.4525% | 3,452 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4995% | 4,090 |
| Assets per employee ($millions) | 8.8296% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 2,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.2463% | 3,023 |
| Net loans and leases to deposits | 80.0125% | 2,291 |
| Net loans and leases to core deposits | 90.2133% | 1,892 |
| Total domestic deposits to total assets | 79.0455% | 5,676 |
| Equity capital to assets | 13.1341% | 1,242 |
| Core capital (leverage) ratio | 13.8708% | 859 |
| Tier 1 risk-based capital ratio | 19.2109% | 1,903 |
| Total risk-based capital ratio | 20.4640% | 1,867 |
| Memoranda: | ||
| Average total assets | $136,217,000 | 3,953 |
| Average earning assets | $131,007,000 | 3,817 |
| Average equity | $18,416,500 | 3,367 |
| Average total loans | $90,602,500 | 3,690 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 4,767 |
| Cost of funding earning assets | 0.5097% | 3,502 |
| Net interest margin | 3.3038% | 4,653 |
| Noninterest income to average assets | 0.1040% | 6,374 |
| Noninterest expense to average assets | 2.2458% | 5,515 |
| Loan and lease loss provision to assets | 0.0686% | 3,762 |
| Net operating income to assets | 0.8965% | 2,800 |
| Return on assets (ROA) | 0.7878% | 3,459 |
| Pretax return on assets | 0.8489% | 3,967 |
| Return on Equity (ROE) | 5.8683% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.8683% | 2,055 |
| Net charge-offs to loans | 0.1806% | 3,019 |
| Credit loss provision to net charge-offs | 61.0738% | 3,527 |
| Earnings coverage of net charge-offs (x) | 9.2081% | 2,537 |
| Efficiency ratio | 68.4670% | 4,106 |
| Assets per employee ($millions) | 8.1976% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 2,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 67.8029% | 2,388 |
| Net loans and leases to deposits | 86.4894% | 1,626 |
| Net loans and leases to core deposits | 96.3687% | 1,422 |
| Total domestic deposits to total assets | 78.3945% | 5,762 |
| Equity capital to assets | 13.9355% | 924 |
| Core capital (leverage) ratio | 14.0803% | 806 |
| Tier 1 risk-based capital ratio | 19.0250% | 1,912 |
| Total risk-based capital ratio | 20.2776% | 1,871 |
| Memoranda: | ||
| Average total assets | $132,647,600 | 4,020 |
| Average earning assets | $127,520,600 | 3,895 |
| Average equity | $17,807,600 | 3,448 |
| Average total loans | $82,520,400 | 3,863 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 5,054 |
| Cost of funding earning assets | 0.5076% | 3,697 |
| Net interest margin | 3.2350% | 4,878 |
| Noninterest income to average assets | 0.1002% | 6,481 |
| Noninterest expense to average assets | 2.1981% | 5,609 |
| Loan and lease loss provision to assets | 0.0912% | 3,244 |
| Net operating income to assets | 0.9222% | 2,731 |
| Return on assets (ROA) | 0.7668% | 3,655 |
| Pretax return on assets | 0.7668% | 4,435 |
| Return on Equity (ROE) | 5.7658% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.7658% | 2,559 |
| Net charge-offs to loans | 0.1655% | 2,901 |
| Credit loss provision to net charge-offs | 91.0000% | 2,615 |
| Earnings coverage of net charge-offs (x) | 10.1100% | 2,394 |
| Efficiency ratio | 68.4457% | 4,001 |
| Assets per employee ($millions) | 8.2405% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 64.8368% | 2,842 |
| Net loans and leases to deposits | 81.6969% | 2,174 |
| Net loans and leases to core deposits | 89.5348% | 2,020 |
| Total domestic deposits to total assets | 79.3626% | 5,661 |
| Equity capital to assets | 13.6779% | 1,056 |
| Core capital (leverage) ratio | 13.6911% | 953 |
| Tier 1 risk-based capital ratio | 20.0127% | 1,736 |
| Total risk-based capital ratio | 21.2672% | 1,707 |
| Memoranda: | ||
| Average total assets | $133,019,250 | 4,054 |
| Average earning assets | $127,930,750 | 3,920 |
| Average equity | $17,690,000 | 3,504 |
| Average total loans | $80,554,250 | 3,957 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 5,196 |
| Cost of funding earning assets | 0.5080% | 3,823 |
| Net interest margin | 3.1758% | 5,026 |
| Noninterest income to average assets | 0.0989% | 6,533 |
| Noninterest expense to average assets | 2.1483% | 5,750 |
| Loan and lease loss provision to assets | 0.1364% | 2,620 |
| Net operating income to assets | 0.8695% | 2,954 |
| Return on assets (ROA) | 0.6371% | 4,270 |
| Pretax return on assets | 0.6371% | 4,887 |
| Return on Equity (ROE) | 4.8363% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.8363% | 3,157 |
| Net charge-offs to loans | 0.2551% | 2,193 |
| Credit loss provision to net charge-offs | 91.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.7100% | 2,668 |
| Efficiency ratio | 68.1084% | 4,161 |
| Assets per employee ($millions) | 8.0343% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 2,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 5,707 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 63.1328% | 3,079 |
| Net loans and leases to deposits | 79.7101% | 2,365 |
| Net loans and leases to core deposits | 88.8485% | 2,020 |
| Total domestic deposits to total assets | 79.2031% | 5,775 |
| Equity capital to assets | 13.7497% | 1,032 |
| Core capital (leverage) ratio | 14.0335% | 817 |
| Tier 1 risk-based capital ratio | 20.4841% | 1,611 |
| Total risk-based capital ratio | 21.7401% | 1,583 |
| Memoranda: | ||
| Average total assets | $133,409,670 | 4,072 |
| Average earning assets | $128,344,670 | 3,937 |
| Average equity | $17,575,330 | 3,540 |
| Average total loans | $78,409,330 | 4,028 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 5,727 |
| Cost of funding earning assets | 0.5069% | 4,016 |
| Net interest margin | 2.9833% | 5,616 |
| Noninterest income to average assets | 0.0854% | 6,631 |
| Noninterest expense to average assets | 2.1290% | 5,848 |
| Loan and lease loss provision to assets | 0.0766% | 3,352 |
| Net operating income to assets | 0.7568% | 3,396 |
| Return on assets (ROA) | 0.3004% | 5,690 |
| Pretax return on assets | 0.3004% | 5,848 |
| Return on Equity (ROE) | 2.3280% | 5,836 |
| Retained earnings to average equity (ytd only) | 2.3280% | 4,857 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8688% | 3,637 |
| Assets per employee ($millions) | 8.1367% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 2,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 57.8783% | 3,793 |
| Net loans and leases to deposits | 72.5538% | 3,116 |
| Net loans and leases to core deposits | 80.4549% | 2,749 |
| Total domestic deposits to total assets | 79.7729% | 5,805 |
| Equity capital to assets | 13.4983% | 1,211 |
| Core capital (leverage) ratio | 13.3954% | 976 |
| Tier 1 risk-based capital ratio | 20.9452% | 1,551 |
| Total risk-based capital ratio | 22.2019% | 1,525 |
| Memoranda: | ||
| Average total assets | $135,840,500 | 4,066 |
| Average earning assets | $130,997,000 | 3,921 |
| Average equity | $17,525,500 | 3,590 |
| Average total loans | $76,284,500 | 4,125 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 5,496 |
| Cost of funding earning assets | 0.6279% | 4,117 |
| Net interest margin | 3.3008% | 5,243 |
| Noninterest income to average assets | 0.0775% | 6,594 |
| Noninterest expense to average assets | 2.2309% | 5,855 |
| Loan and lease loss provision to assets | 0.2930% | 2,334 |
| Net operating income to assets | 0.7461% | 3,531 |
| Return on assets (ROA) | 0.9102% | 3,007 |
| Pretax return on assets | 0.9102% | 3,888 |
| Return on Equity (ROE) | 6.5720% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.5720% | 1,779 |
| Net charge-offs to loans | 0.3550% | 2,856 |
| Credit loss provision to net charge-offs | 143.6000% | 1,898 |
| Earnings coverage of net charge-offs (x) | 5.0920% | 3,151 |
| Efficiency ratio | 68.2227% | 4,104 |
| Assets per employee ($millions) | 8.8434% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9979% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 52.4185% | 4,859 |
| Net loans and leases to deposits | 63.8194% | 4,555 |
| Net loans and leases to core deposits | 69.2728% | 4,401 |
| Total domestic deposits to total assets | 82.1356% | 5,048 |
| Equity capital to assets | 12.3525% | 1,824 |
| Core capital (leverage) ratio | 13.4870% | 951 |
| Tier 1 risk-based capital ratio | 20.8841% | 1,487 |
| Total risk-based capital ratio | 22.1408% | 1,458 |
| Memoranda: | ||
| Average total assets | $122,505,000 | 4,301 |
| Average earning assets | $118,487,800 | 4,142 |
| Average equity | $16,965,800 | 3,638 |
| Average total loans | $70,431,400 | 4,347 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 5,351 |
| Cost of funding earning assets | 0.6577% | 4,124 |
| Net interest margin | 3.3950% | 5,052 |
| Noninterest income to average assets | 0.0759% | 6,711 |
| Noninterest expense to average assets | 2.2849% | 5,727 |
| Loan and lease loss provision to assets | 0.3589% | 1,814 |
| Net operating income to assets | 0.7167% | 3,843 |
| Return on assets (ROA) | 0.8922% | 3,259 |
| Pretax return on assets | 0.8922% | 4,143 |
| Return on Equity (ROE) | 6.2398% | 4,205 |
| Retained earnings to average equity (ytd only) | 6.2398% | 2,531 |
| Net charge-offs to loans | 0.4823% | 2,169 |
| Credit loss provision to net charge-offs | 126.8000% | 2,267 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 3,506 |
| Efficiency ratio | 67.9919% | 4,066 |
| Assets per employee ($millions) | 8.5098% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9796% | 2,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 57.0221% | 4,291 |
| Net loans and leases to deposits | 71.1770% | 3,725 |
| Net loans and leases to core deposits | 78.1899% | 3,427 |
| Total domestic deposits to total assets | 80.1131% | 5,624 |
| Equity capital to assets | 13.5389% | 1,333 |
| Core capital (leverage) ratio | 13.7777% | 912 |
| Tier 1 risk-based capital ratio | 22.1231% | 1,310 |
| Total risk-based capital ratio | 23.3807% | 1,288 |
| Memoranda: | ||
| Average total assets | $117,757,750 | 4,452 |
| Average earning assets | $113,928,500 | 4,290 |
| Average equity | $16,837,750 | 3,685 |
| Average total loans | $69,119,000 | 4,428 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 5,352 |
| Cost of funding earning assets | 0.6682% | 4,290 |
| Net interest margin | 3.4224% | 4,995 |
| Noninterest income to average assets | 0.0751% | 6,773 |
| Noninterest expense to average assets | 2.2628% | 5,839 |
| Loan and lease loss provision to assets | 0.4036% | 1,626 |
| Net operating income to assets | 0.7199% | 3,754 |
| Return on assets (ROA) | 0.8964% | 3,192 |
| Pretax return on assets | 0.8964% | 4,091 |
| Return on Equity (ROE) | 6.1475% | 4,248 |
| Retained earnings to average equity (ytd only) | 6.1475% | 2,613 |
| Net charge-offs to loans | 0.7418% | 1,487 |
| Credit loss provision to net charge-offs | 92.4000% | 2,968 |
| Earnings coverage of net charge-offs (x) | 2.5720% | 3,724 |
| Efficiency ratio | 66.8215% | 4,353 |
| Assets per employee ($millions) | 8.2296% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.2729% | 4,285 |
| Net loans and leases to deposits | 71.7643% | 3,648 |
| Net loans and leases to core deposits | 77.9863% | 3,517 |
| Total domestic deposits to total assets | 79.8070% | 5,791 |
| Equity capital to assets | 13.7528% | 1,193 |
| Core capital (leverage) ratio | 14.7055% | 649 |
| Tier 1 risk-based capital ratio | 22.7111% | 1,172 |
| Total risk-based capital ratio | 23.9681% | 1,155 |
| Memoranda: | ||
| Average total assets | $114,461,330 | 4,551 |
| Average earning assets | $110,741,330 | 4,392 |
| Average equity | $16,689,670 | 3,703 |
| Average total loans | $67,406,330 | 4,505 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 5,326 |
| Cost of funding earning assets | 0.6979% | 4,299 |
| Net interest margin | 3.4408% | 4,950 |
| Noninterest income to average assets | 0.0727% | 6,849 |
| Noninterest expense to average assets | 2.2151% | 6,000 |
| Loan and lease loss provision to assets | 0.2764% | 2,251 |
| Net operating income to assets | 0.9166% | 2,842 |
| Return on assets (ROA) | 1.0585% | 2,450 |
| Pretax return on assets | 1.0585% | 3,476 |
| Return on Equity (ROE) | 7.0349% | 3,765 |
| Retained earnings to average equity (ytd only) | 7.0349% | 2,420 |
| Net charge-offs to loans | 1.5369% | 652 |
| Credit loss provision to net charge-offs | 30.4000% | 3,616 |
| Earnings coverage of net charge-offs (x) | 1.3120% | 3,676 |
| Efficiency ratio | 64.9947% | 4,739 |
| Assets per employee ($millions) | 9.1763% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 2,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.8766% | 3,889 |
| Net loans and leases to deposits | 72.5141% | 3,351 |
| Net loans and leases to core deposits | 80.0771% | 3,061 |
| Total domestic deposits to total assets | 81.1933% | 5,546 |
| Equity capital to assets | 15.1405% | 724 |
| Core capital (leverage) ratio | 15.4808% | 531 |
| Tier 1 risk-based capital ratio | 25.2139% | 886 |
| Total risk-based capital ratio | 26.4710% | 866 |
| Memoranda: | ||
| Average total assets | $109,970,000 | 4,713 |
| Average earning assets | $106,602,000 | 4,527 |
| Average equity | $16,546,000 | 3,724 |
| Average total loans | $65,067,500 | 4,618 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 5,668 |
| Cost of funding earning assets | 0.8599% | 4,396 |
| Net interest margin | 3.4684% | 5,261 |
| Noninterest income to average assets | 0.0803% | 6,717 |
| Noninterest expense to average assets | 2.1639% | 6,348 |
| Loan and lease loss provision to assets | 0.6453% | 1,582 |
| Net operating income to assets | 0.6425% | 3,776 |
| Return on assets (ROA) | 0.8424% | 3,019 |
| Pretax return on assets | 0.8424% | 3,811 |
| Return on Equity (ROE) | 5.6538% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.6538% | 2,206 |
| Net charge-offs to loans | 0.0805% | 5,519 |
| Credit loss provision to net charge-offs | 1,354.9020% | 162 |
| Earnings coverage of net charge-offs (x) | 27.0392% | 920 |
| Efficiency ratio | 62.6894% | 5,355 |
| Assets per employee ($millions) | 9.1521% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 1,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 57.0644% | 4,535 |
| Net loans and leases to deposits | 69.5942% | 4,175 |
| Net loans and leases to core deposits | 77.9568% | 3,694 |
| Total domestic deposits to total assets | 81.9959% | 5,128 |
| Equity capital to assets | 14.9511% | 797 |
| Core capital (leverage) ratio | 15.0137% | 603 |
| Tier 1 risk-based capital ratio | 25.3325% | 838 |
| Total risk-based capital ratio | 26.5932% | 813 |
| Memoranda: | ||
| Average total assets | $107,073,800 | 4,703 |
| Average earning assets | $104,082,600 | 4,541 |
| Average equity | $15,954,000 | 3,736 |
| Average total loans | $63,326,400 | 4,734 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 5,888 |
| Cost of funding earning assets | 0.8936% | 4,441 |
| Net interest margin | 3.4249% | 5,489 |
| Noninterest income to average assets | 0.0852% | 6,815 |
| Noninterest expense to average assets | 2.1381% | 6,433 |
| Loan and lease loss provision to assets | 0.5339% | 1,850 |
| Net operating income to assets | 0.7419% | 3,419 |
| Return on assets (ROA) | 1.0076% | 2,445 |
| Pretax return on assets | 1.0076% | 3,369 |
| Return on Equity (ROE) | 6.7686% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.7686% | 2,100 |
| Net charge-offs to loans | 0.1077% | 4,928 |
| Credit loss provision to net charge-offs | 835.2941% | 319 |
| Earnings coverage of net charge-offs (x) | 19.9603% | 1,244 |
| Efficiency ratio | 62.6285% | 5,307 |
| Assets per employee ($millions) | 9.0650% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 3,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 59.7389% | 4,178 |
| Net loans and leases to deposits | 73.0650% | 3,798 |
| Net loans and leases to core deposits | 81.5184% | 3,406 |
| Total domestic deposits to total assets | 81.7614% | 5,175 |
| Equity capital to assets | 14.9871% | 852 |
| Core capital (leverage) ratio | 15.0377% | 655 |
| Tier 1 risk-based capital ratio | 24.0130% | 1,010 |
| Total risk-based capital ratio | 25.2677% | 997 |
| Memoranda: | ||
| Average total assets | $106,386,000 | 4,751 |
| Average earning assets | $103,396,500 | 4,590 |
| Average equity | $15,837,500 | 3,767 |
| Average total loans | $63,139,500 | 4,795 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 6,027 |
| Cost of funding earning assets | 0.9277% | 4,469 |
| Net interest margin | 3.3699% | 5,638 |
| Noninterest income to average assets | 0.0492% | 7,049 |
| Noninterest expense to average assets | 2.1612% | 6,481 |
| Loan and lease loss provision to assets | 0.2387% | 3,530 |
| Net operating income to assets | 0.9243% | 2,538 |
| Return on assets (ROA) | 1.0816% | 2,027 |
| Pretax return on assets | 1.0816% | 2,927 |
| Return on Equity (ROE) | 7.2821% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.2821% | 1,747 |
| Net charge-offs to loans | 0.1641% | 4,189 |
| Credit loss provision to net charge-offs | 247.0588% | 1,228 |
| Earnings coverage of net charge-offs (x) | 12.0392% | 1,654 |
| Efficiency ratio | 65.0142% | 5,057 |
| Assets per employee ($millions) | 8.9261% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 5,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 59.0451% | 4,461 |
| Net loans and leases to deposits | 71.8146% | 4,143 |
| Net loans and leases to core deposits | 80.3325% | 3,738 |
| Total domestic deposits to total assets | 82.2188% | 5,089 |
| Equity capital to assets | 15.0271% | 818 |
| Core capital (leverage) ratio | 15.0977% | 650 |
| Tier 1 risk-based capital ratio | 24.4825% | 957 |
| Total risk-based capital ratio | 25.7331% | 937 |
| Memoranda: | ||
| Average total assets | $105,588,000 | 4,807 |
| Average earning assets | $102,615,330 | 4,632 |
| Average equity | $15,682,330 | 3,788 |
| Average total loans | $62,145,330 | 4,861 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 6,257 |
| Cost of funding earning assets | 0.9304% | 4,717 |
| Net interest margin | 3.2821% | 5,836 |
| Noninterest income to average assets | 0.0420% | 7,172 |
| Noninterest expense to average assets | 2.1102% | 6,612 |
| Loan and lease loss provision to assets | 0.0725% | 5,092 |
| Net operating income to assets | 1.0494% | 2,002 |
| Return on assets (ROA) | 1.0494% | 2,055 |
| Pretax return on assets | 1.0494% | 2,950 |
| Return on Equity (ROE) | 7.1080% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.1080% | 2,099 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2893% | 5,154 |
| Assets per employee ($millions) | 9.8295% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 5,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 56.5314% | 4,907 |
| Net loans and leases to deposits | 68.2652% | 4,636 |
| Net loans and leases to core deposits | 76.0646% | 4,294 |
| Total domestic deposits to total assets | 82.8114% | 4,991 |
| Equity capital to assets | 14.4408% | 897 |
| Core capital (leverage) ratio | 15.2718% | 614 |
| Tier 1 risk-based capital ratio | 24.4255% | 932 |
| Total risk-based capital ratio | 25.6365% | 918 |
| Memoranda: | ||
| Average total assets | $104,825,500 | 4,871 |
| Average earning assets | $101,886,500 | 4,692 |
| Average equity | $15,475,500 | 3,817 |
| Average total loans | $61,176,500 | 4,951 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 5,429 |
| Cost of funding earning assets | 1.2791% | 4,024 |
| Net interest margin | 3.5155% | 5,187 |
| Noninterest income to average assets | -0.1060% | 7,393 |
| Noninterest expense to average assets | 3.2895% | 2,768 |
| Loan and lease loss provision to assets | 0.2399% | 4,886 |
| Net operating income to assets | -0.2527% | 6,167 |
| Return on assets (ROA) | -0.1537% | 6,113 |
| Pretax return on assets | -0.1537% | 6,052 |
| Return on Equity (ROE) | -0.8693% | 6,054 |
| Retained earnings to average equity (ytd only) | -0.8693% | 5,781 |
| Net charge-offs to loans | 0.0812% | 6,012 |
| Credit loss provision to net charge-offs | 479.0698% | 478 |
| Earnings coverage of net charge-offs (x) | -0.2558% | 6,326 |
| Efficiency ratio | 100.3909% | 760 |
| Assets per employee ($millions) | 10.1527% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 5,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.7863% | 4,899 |
| Net loans and leases to deposits | 70.9544% | 4,692 |
| Net loans and leases to core deposits | 78.2095% | 4,437 |
| Total domestic deposits to total assets | 82.8509% | 4,863 |
| Equity capital to assets | 15.1063% | 760 |
| Core capital (leverage) ratio | 15.3934% | 600 |
| Tier 1 risk-based capital ratio | 24.2759% | 908 |
| Total risk-based capital ratio | 25.4711% | 893 |
| Memoranda: | ||
| Average total assets | $85,880,000 | 5,411 |
| Average earning assets | $82,633,000 | 5,257 |
| Average equity | $15,185,200 | 3,909 |
| Average total loans | $52,944,200 | 5,360 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 5,096 |
| Cost of funding earning assets | 1.3383% | 3,988 |
| Net interest margin | 3.5975% | 4,889 |
| Noninterest income to average assets | -0.1659% | 7,574 |
| Noninterest expense to average assets | 3.4273% | 2,215 |
| Loan and lease loss provision to assets | 0.2456% | 4,630 |
| Net operating income to assets | -0.3888% | 6,510 |
| Return on assets (ROA) | -0.2505% | 6,431 |
| Pretax return on assets | -0.2505% | 6,366 |
| Return on Equity (ROE) | -1.3556% | 6,318 |
| Retained earnings to average equity (ytd only) | -1.3556% | 6,067 |
| Net charge-offs to loans | 0.1123% | 5,417 |
| Credit loss provision to net charge-offs | 351.1628% | 895 |
| Earnings coverage of net charge-offs (x) | -2.0466% | 6,538 |
| Efficiency ratio | 104.3586% | 632 |
| Assets per employee ($millions) | 9.0160% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 5,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 62.4179% | 4,443 |
| Net loans and leases to deposits | 77.7357% | 3,877 |
| Net loans and leases to core deposits | 85.3844% | 3,750 |
| Total domestic deposits to total assets | 80.2950% | 5,611 |
| Equity capital to assets | 17.0807% | 508 |
| Core capital (leverage) ratio | 17.5982% | 378 |
| Tier 1 risk-based capital ratio | 25.6059% | 804 |
| Total risk-based capital ratio | 26.7901% | 797 |
| Memoranda: | ||
| Average total assets | $81,968,250 | 5,601 |
| Average earning assets | $78,607,500 | 5,458 |
| Average equity | $15,147,250 | 3,961 |
| Average total loans | $51,068,500 | 5,528 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9763% | 5,048 |
| Cost of funding earning assets | 1.3795% | 4,007 |
| Net interest margin | 3.5968% | 4,825 |
| Noninterest income to average assets | -0.3054% | 7,713 |
| Noninterest expense to average assets | 3.6321% | 1,702 |
| Loan and lease loss provision to assets | 0.2120% | 4,763 |
| Net operating income to assets | -0.7143% | 6,813 |
| Return on assets (ROA) | -0.4998% | 6,694 |
| Pretax return on assets | -0.4998% | 6,589 |
| Return on Equity (ROE) | -2.6290% | 6,481 |
| Retained earnings to average equity (ytd only) | -2.6290% | 6,245 |
| Net charge-offs to loans | 0.1752% | 4,564 |
| Credit loss provision to net charge-offs | 195.3488% | 2,022 |
| Earnings coverage of net charge-offs (x) | -4.6279% | 6,286 |
| Efficiency ratio | 116.0484% | 464 |
| Assets per employee ($millions) | 7.5823% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 5,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.4663% | 4,788 |
| Net loans and leases to deposits | 77.2253% | 4,127 |
| Net loans and leases to core deposits | 85.5517% | 3,898 |
| Total domestic deposits to total assets | 79.5935% | 5,862 |
| Equity capital to assets | 18.2099% | 396 |
| Core capital (leverage) ratio | 18.7124% | 308 |
| Tier 1 risk-based capital ratio | 27.4072% | 669 |
| Total risk-based capital ratio | 28.5707% | 665 |
| Memoranda: | ||
| Average total assets | $79,237,670 | 5,723 |
| Average earning assets | $75,679,330 | 5,589 |
| Average equity | $15,063,000 | 3,986 |
| Average total loans | $49,096,670 | 5,640 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 4,764 |
| Cost of funding earning assets | 1.4152% | 4,083 |
| Net interest margin | 3.6392% | 4,544 |
| Noninterest income to average assets | 0.1037% | 7,187 |
| Noninterest expense to average assets | 3.6809% | 1,549 |
| Loan and lease loss provision to assets | 0.0778% | 5,861 |
| Net operating income to assets | -0.2022% | 6,544 |
| Return on assets (ROA) | -0.2022% | 6,615 |
| Pretax return on assets | -0.2022% | 6,559 |
| Return on Equity (ROE) | -1.0400% | 6,534 |
| Retained earnings to average equity (ytd only) | -1.0400% | 6,058 |
| Net charge-offs to loans | 0.3607% | 2,970 |
| Credit loss provision to net charge-offs | 34.8837% | 4,742 |
| Earnings coverage of net charge-offs (x) | -0.5581% | 5,302 |
| Efficiency ratio | 103.4985% | 736 |
| Assets per employee ($millions) | 7.2057% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7453% | 2,648 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 57.9892% | 5,439 |
| Net loans and leases to deposits | 73.5142% | 4,825 |
| Net loans and leases to core deposits | 82.1666% | 4,466 |
| Total domestic deposits to total assets | 78.8817% | 6,104 |
| Equity capital to assets | 19.0959% | 337 |
| Core capital (leverage) ratio | 19.8157% | 261 |
| Tier 1 risk-based capital ratio | 28.4572% | 606 |
| Total risk-based capital ratio | 29.5356% | 607 |
| Memoranda: | ||
| Average total assets | $77,154,000 | 5,845 |
| Average earning assets | $73,203,500 | 5,739 |
| Average equity | $15,000,500 | 4,013 |
| Average total loans | $47,691,500 | 5,776 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 5,536 |
| Cost of funding earning assets | 1.7827% | 4,087 |
| Net interest margin | 3.4415% | 5,213 |
| Noninterest income to average assets | 0.1699% | 6,865 |
| Noninterest expense to average assets | 4.2272% | 1,057 |
| Loan and lease loss provision to assets | 0.4328% | 4,228 |
| Net operating income to assets | -1.1943% | 6,705 |
| Return on assets (ROA) | -0.6973% | 6,358 |
| Pretax return on assets | -0.6973% | 6,186 |
| Return on Equity (ROE) | -2.9300% | 5,975 |
| Retained earnings to average equity (ytd only) | -2.9300% | 5,687 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.9704% | 575 |
| Assets per employee ($millions) | 6.8223% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 5,185 |
| Loan loss allowance to noncurrent loans | 27.0392% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 2.9569% | 2,372 |
| Noncurrent loans to loans | 4.5428% | 1,560 |
| Net loans and leases to total assets | 64.2908% | 4,538 |
| Net loans and leases to deposits | 82.6799% | 3,510 |
| Net loans and leases to core deposits | 117.9143% | 2,144 |
| Total domestic deposits to total assets | 77.7587% | 6,281 |
| Equity capital to assets | 19.8081% | 309 |
| Core capital (leverage) ratio | 19.9864% | 282 |
| Tier 1 risk-based capital ratio | 28.9480% | 582 |
| Total risk-based capital ratio | 30.1085% | 573 |
| Memoranda: | ||
| Average total assets | $62,381,400 | 6,258 |
| Average earning assets | $59,740,800 | 6,134 |
| Average equity | $14,846,200 | 4,088 |
| Average total loans | $38,474,600 | 6,177 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 6,049 |
| Cost of funding earning assets | 1.8409% | 4,194 |
| Net interest margin | 3.3217% | 5,556 |
| Noninterest income to average assets | 0.1959% | 6,817 |
| Noninterest expense to average assets | 4.4334% | 801 |
| Loan and lease loss provision to assets | 0.3670% | 4,117 |
| Net operating income to assets | -1.4275% | 7,075 |
| Return on assets (ROA) | -1.3375% | 7,028 |
| Pretax return on assets | -1.3375% | 6,879 |
| Return on Equity (ROE) | -5.3363% | 6,487 |
| Retained earnings to average equity (ytd only) | -5.3363% | 6,294 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4419% | 459 |
| Assets per employee ($millions) | 7.1316% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 5,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.0394% | 5,234 |
| Net loans and leases to deposits | 79.7491% | 4,427 |
| Net loans and leases to core deposits | 106.5273% | 3,642 |
| Total domestic deposits to total assets | 77.7932% | 6,145 |
| Equity capital to assets | 20.8186% | 287 |
| Core capital (leverage) ratio | 22.6059% | 218 |
| Tier 1 risk-based capital ratio | 31.2237% | 507 |
| Total risk-based capital ratio | 32.2750% | 502 |
| Memoranda: | ||
| Average total assets | $59,215,500 | 6,414 |
| Average earning assets | $56,636,500 | 6,308 |
| Average equity | $14,841,500 | 4,124 |
| Average total loans | $35,881,500 | 6,356 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 6,471 |
| Cost of funding earning assets | 1.9316% | 4,103 |
| Net interest margin | 3.1598% | 6,060 |
| Noninterest income to average assets | 0.2175% | 6,747 |
| Noninterest expense to average assets | 4.5993% | 697 |
| Loan and lease loss provision to assets | 0.2066% | 4,984 |
| Net operating income to assets | -1.5766% | 7,282 |
| Return on assets (ROA) | -1.5222% | 7,261 |
| Pretax return on assets | -1.5222% | 7,096 |
| Return on Equity (ROE) | -5.6605% | 6,675 |
| Retained earnings to average equity (ytd only) | -5.6605% | 6,401 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.4242% | 414 |
| Assets per employee ($millions) | 6.1259% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 56.6235% | 6,135 |
| Net loans and leases to deposits | 74.8226% | 5,342 |
| Net loans and leases to core deposits | 101.7154% | 4,307 |
| Total domestic deposits to total assets | 75.6770% | 6,621 |
| Equity capital to assets | 24.0781% | 227 |
| Core capital (leverage) ratio | 25.1248% | 205 |
| Tier 1 risk-based capital ratio | 37.8198% | 354 |
| Total risk-based capital ratio | 38.8188% | 351 |
| Memoranda: | ||
| Average total assets | $55,182,000 | 6,630 |
| Average earning assets | $52,598,330 | 6,527 |
| Average equity | $14,839,670 | 4,138 |
| Average total loans | $32,929,670 | 6,558 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 6,714 |
| Cost of funding earning assets | 1.9379% | 4,449 |
| Net interest margin | 3.1410% | 6,060 |
| Noninterest income to average assets | 0.2378% | 6,553 |
| Noninterest expense to average assets | 4.8865% | 524 |
| Loan and lease loss provision to assets | 0.3222% | 3,395 |
| Net operating income to assets | -1.9868% | 7,657 |
| Return on assets (ROA) | -1.8718% | 7,625 |
| Pretax return on assets | -1.8718% | 7,496 |
| Return on Equity (ROE) | -6.5572% | 7,111 |
| Retained earnings to average equity (ytd only) | -6.5572% | 6,748 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.6667% | 346 |
| Assets per employee ($millions) | 5.6677% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 5,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 58.8722% | 5,823 |
| Net loans and leases to deposits | 80.0629% | 4,600 |
| Net loans and leases to core deposits | 109.7166% | 3,471 |
| Total domestic deposits to total assets | 73.5325% | 6,961 |
| Equity capital to assets | 26.1570% | 197 |
| Core capital (leverage) ratio | 28.1561% | 172 |
| Tier 1 risk-based capital ratio | 39.3273% | 336 |
| Total risk-based capital ratio | 40.3251% | 332 |
| Memoranda: | ||
| Average total assets | $52,143,500 | 6,774 |
| Average earning assets | $49,538,000 | 6,681 |
| Average equity | $14,884,500 | 4,160 |
| Average total loans | $31,857,500 | 6,657 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 7,896 |
| Cost of funding earning assets | 1.3875% | 7,752 |
| Net interest margin | 3.5198% | 5,228 |
| Noninterest income to average assets | 0.1168% | 7,538 |
| Noninterest expense to average assets | 10.1521% | 136 |
| Loan and lease loss provision to assets | 0.9403% | 1,574 |
| Net operating income to assets | -7.6361% | 8,214 |
| Return on assets (ROA) | -7.6361% | 8,209 |
| Pretax return on assets | -7.6361% | 8,187 |
| Return on Equity (ROE) | -17.8527% | 7,705 |
| Retained earnings to average equity (ytd only) | -17.8527% | 7,613 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 293.7345% | 107 |
| Assets per employee ($millions) | 4.7610% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 5,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 62.2684% | 5,583 |
| Net loans and leases to deposits | 91.2550% | 3,249 |
| Net loans and leases to core deposits | 123.3400% | 2,375 |
| Total domestic deposits to total assets | 68.2357% | 7,444 |
| Equity capital to assets | 31.3884% | 160 |
| Core capital (leverage) ratio | 33.6637% | 145 |
| Tier 1 risk-based capital ratio | 42.4531% | 295 |
| Total risk-based capital ratio | 43.4035% | 291 |
| Memoranda: | ||
| Average total assets | $35,096,250 | 7,418 |
| Average earning assets | $33,297,750 | 7,363 |
| Average equity | $15,011,750 | 4,140 |
| Average total loans | $19,487,000 | 7,368 |