Home > Conestoga Bank > Performance and Condition Ratios
Conestoga Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 1,874 |
| Cost of funding earning assets | 0.4964% | 2,139 |
| Net interest margin | 3.8785% | 2,001 |
| Noninterest income to average assets | 0.3630% | 4,124 |
| Noninterest expense to average assets | 3.8810% | 703 |
| Loan and lease loss provision to assets | 0.0439% | 3,041 |
| Net operating income to assets | -0.0689% | 5,828 |
| Return on assets (ROA) | 0.2395% | 5,515 |
| Pretax return on assets | 0.5112% | 5,057 |
| Return on Equity (ROE) | 2.4990% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.4990% | 4,255 |
| Net charge-offs to loans | 0.1573% | 1,182 |
| Credit loss provision to net charge-offs | 35.8852% | 2,175 |
| Earnings coverage of net charge-offs (x) | 0.5981% | 2,908 |
| Efficiency ratio | 97.8824% | 346 |
| Assets per employee ($millions) | 5.4096% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 4,105 |
| Loan loss allowance to noncurrent loans | 124.0820% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9666% | 2,294 |
| Noncurrent loans to loans | 0.8788% | 2,654 |
| Net loans and leases to total assets | 79.8843% | 832 |
| Net loans and leases to deposits | 90.5335% | 1,513 |
| Net loans and leases to core deposits | 106.0211% | 1,075 |
| Total domestic deposits to total assets | 88.2373% | 1,510 |
| Equity capital to assets | 9.9088% | 4,200 |
| Core capital (leverage) ratio | 10.1939% | 3,320 |
| Tier 1 risk-based capital ratio | 12.4627% | 4,607 |
| Total risk-based capital ratio | 13.5521% | 4,619 |
| Memoranda: | ||
| Average total assets | $683,128,500 | 1,040 |
| Average earning assets | $632,508,500 | 1,037 |
| Average equity | $65,467,000 | 1,193 |
| Average total loans | $531,435,000 | 919 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 1,851 |
| Cost of funding earning assets | 0.5166% | 2,019 |
| Net interest margin | 3.8983% | 2,035 |
| Noninterest income to average assets | 0.4196% | 3,899 |
| Noninterest expense to average assets | 2.9424% | 2,723 |
| Loan and lease loss provision to assets | 0.1842% | 1,218 |
| Net operating income to assets | 0.6643% | 3,978 |
| Return on assets (ROA) | 0.8078% | 3,387 |
| Pretax return on assets | 1.0885% | 3,116 |
| Return on Equity (ROE) | 9.0346% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.0346% | 643 |
| Net charge-offs to loans | 0.1539% | 1,835 |
| Credit loss provision to net charge-offs | 166.0281% | 1,627 |
| Earnings coverage of net charge-offs (x) | 9.7241% | 2,784 |
| Efficiency ratio | 72.7795% | 2,777 |
| Assets per employee ($millions) | 5.1554% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,916 |
| Loan loss allowance to noncurrent loans | 137.0678% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 2,637 |
| Noncurrent loans to loans | 0.8187% | 2,738 |
| Net loans and leases to total assets | 74.1766% | 1,699 |
| Net loans and leases to deposits | 93.5651% | 1,242 |
| Net loans and leases to core deposits | 107.1473% | 1,037 |
| Total domestic deposits to total assets | 79.2780% | 4,909 |
| Equity capital to assets | 9.2793% | 4,814 |
| Core capital (leverage) ratio | 9.2944% | 4,484 |
| Tier 1 risk-based capital ratio | 12.0211% | 4,935 |
| Total risk-based capital ratio | 13.1158% | 4,942 |
| Memoranda: | ||
| Average total assets | $705,846,200 | 985 |
| Average earning assets | $652,107,800 | 978 |
| Average equity | $63,112,800 | 1,196 |
| Average total loans | $508,809,400 | 921 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 1,996 |
| Cost of funding earning assets | 0.5117% | 2,107 |
| Net interest margin | 3.8644% | 2,143 |
| Noninterest income to average assets | 0.4153% | 3,967 |
| Noninterest expense to average assets | 2.9415% | 2,704 |
| Loan and lease loss provision to assets | 0.2078% | 948 |
| Net operating income to assets | 0.6588% | 4,086 |
| Return on assets (ROA) | 0.7049% | 3,990 |
| Pretax return on assets | 0.8912% | 4,010 |
| Return on Equity (ROE) | 7.9585% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.9585% | 1,250 |
| Net charge-offs to loans | 0.1700% | 1,461 |
| Credit loss provision to net charge-offs | 171.3396% | 1,523 |
| Earnings coverage of net charge-offs (x) | 8.5794% | 2,796 |
| Efficiency ratio | 73.4130% | 2,652 |
| Assets per employee ($millions) | 5.3075% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 4,074 |
| Loan loss allowance to noncurrent loans | 151.2979% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 3,074 |
| Noncurrent loans to loans | 0.7449% | 3,096 |
| Net loans and leases to total assets | 71.5503% | 2,133 |
| Net loans and leases to deposits | 94.2282% | 1,177 |
| Net loans and leases to core deposits | 109.5520% | 899 |
| Total domestic deposits to total assets | 75.9330% | 5,495 |
| Equity capital to assets | 9.0321% | 5,278 |
| Core capital (leverage) ratio | 8.8987% | 5,120 |
| Tier 1 risk-based capital ratio | 11.8666% | 5,156 |
| Total risk-based capital ratio | 12.9693% | 5,173 |
| Memoranda: | ||
| Average total assets | $705,735,500 | 991 |
| Average earning assets | $651,400,250 | 984 |
| Average equity | $62,506,250 | 1,216 |
| Average total loans | $503,550,000 | 933 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 1,779 |
| Cost of funding earning assets | 0.5023% | 2,229 |
| Net interest margin | 3.9210% | 1,905 |
| Noninterest income to average assets | 0.3058% | 4,768 |
| Noninterest expense to average assets | 2.9538% | 2,703 |
| Loan and lease loss provision to assets | 0.2284% | 825 |
| Net operating income to assets | 0.4786% | 4,858 |
| Return on assets (ROA) | 0.5183% | 4,795 |
| Pretax return on assets | 0.7979% | 4,319 |
| Return on Equity (ROE) | 5.8919% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.8919% | 2,306 |
| Net charge-offs to loans | 0.1822% | 1,363 |
| Credit loss provision to net charge-offs | 176.6004% | 1,362 |
| Earnings coverage of net charge-offs (x) | 7.4614% | 2,664 |
| Efficiency ratio | 74.8907% | 2,555 |
| Assets per employee ($millions) | 5.2102% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 4,152 |
| Loan loss allowance to noncurrent loans | 158.9871% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 2,921 |
| Noncurrent loans to loans | 0.7149% | 3,344 |
| Net loans and leases to total assets | 69.8758% | 2,332 |
| Net loans and leases to deposits | 93.6622% | 1,182 |
| Net loans and leases to core deposits | 108.8737% | 900 |
| Total domestic deposits to total assets | 74.6041% | 5,738 |
| Equity capital to assets | 8.6994% | 5,524 |
| Core capital (leverage) ratio | 8.7106% | 5,307 |
| Tier 1 risk-based capital ratio | 11.7224% | 5,323 |
| Total risk-based capital ratio | 12.8245% | 5,332 |
| Memoranda: | ||
| Average total assets | $700,374,670 | 999 |
| Average earning assets | $645,396,670 | 994 |
| Average equity | $61,610,000 | 1,237 |
| Average total loans | $497,283,330 | 946 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 1,591 |
| Cost of funding earning assets | 0.4914% | 2,365 |
| Net interest margin | 3.9649% | 1,671 |
| Noninterest income to average assets | 0.2576% | 5,113 |
| Noninterest expense to average assets | 3.0562% | 2,413 |
| Loan and lease loss provision to assets | 0.2315% | 747 |
| Net operating income to assets | 0.4031% | 5,060 |
| Return on assets (ROA) | 0.4584% | 4,954 |
| Pretax return on assets | 0.7027% | 4,581 |
| Return on Equity (ROE) | 5.1816% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.1816% | 2,957 |
| Net charge-offs to loans | 0.1732% | 1,236 |
| Credit loss provision to net charge-offs | 187.7934% | 1,090 |
| Earnings coverage of net charge-offs (x) | 6.8873% | 2,236 |
| Efficiency ratio | 77.5308% | 2,262 |
| Assets per employee ($millions) | 5.1234% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 4,404 |
| Loan loss allowance to noncurrent loans | 121.7165% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 2,572 |
| Noncurrent loans to loans | 0.9229% | 2,933 |
| Net loans and leases to total assets | 70.9412% | 1,989 |
| Net loans and leases to deposits | 90.4352% | 1,345 |
| Net loans and leases to core deposits | 105.0957% | 996 |
| Total domestic deposits to total assets | 78.4443% | 5,362 |
| Equity capital to assets | 8.8926% | 5,402 |
| Core capital (leverage) ratio | 8.7191% | 5,303 |
| Tier 1 risk-based capital ratio | 11.7842% | 5,384 |
| Total risk-based capital ratio | 12.8773% | 5,390 |
| Memoranda: | ||
| Average total assets | $691,055,500 | 1,005 |
| Average earning assets | $635,780,000 | 1,008 |
| Average equity | $61,140,000 | 1,248 |
| Average total loans | $491,829,000 | 957 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 1,675 |
| Cost of funding earning assets | 0.5040% | 2,634 |
| Net interest margin | 4.0531% | 1,725 |
| Noninterest income to average assets | 0.3399% | 4,676 |
| Noninterest expense to average assets | 2.9799% | 2,900 |
| Loan and lease loss provision to assets | 0.2719% | 797 |
| Net operating income to assets | 0.5165% | 4,748 |
| Return on assets (ROA) | 0.5583% | 4,662 |
| Pretax return on assets | 0.8546% | 4,053 |
| Return on Equity (ROE) | 6.5972% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.5972% | 1,599 |
| Net charge-offs to loans | 0.4341% | 975 |
| Credit loss provision to net charge-offs | 90.1163% | 2,648 |
| Earnings coverage of net charge-offs (x) | 3.5203% | 3,873 |
| Efficiency ratio | 73.1402% | 2,997 |
| Assets per employee ($millions) | 4.6940% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 4,438 |
| Loan loss allowance to noncurrent loans | 117.1811% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 2,227 |
| Noncurrent loans to loans | 0.9578% | 2,932 |
| Net loans and leases to total assets | 69.7924% | 2,264 |
| Net loans and leases to deposits | 90.9568% | 1,407 |
| Net loans and leases to core deposits | 105.8316% | 1,028 |
| Total domestic deposits to total assets | 76.7314% | 5,641 |
| Equity capital to assets | 8.8013% | 5,487 |
| Core capital (leverage) ratio | 8.4888% | 5,569 |
| Tier 1 risk-based capital ratio | 11.8035% | 5,489 |
| Total risk-based capital ratio | 12.9283% | 5,467 |
| Memoranda: | ||
| Average total assets | $684,087,400 | 977 |
| Average earning assets | $624,848,200 | 983 |
| Average equity | $57,888,000 | 1,260 |
| Average total loans | $475,493,200 | 930 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 1,612 |
| Cost of funding earning assets | 0.5076% | 2,684 |
| Net interest margin | 4.0726% | 1,663 |
| Noninterest income to average assets | 0.3561% | 4,593 |
| Noninterest expense to average assets | 3.0186% | 2,740 |
| Loan and lease loss provision to assets | 0.2535% | 844 |
| Net operating income to assets | 0.5236% | 4,780 |
| Return on assets (ROA) | 0.5364% | 4,801 |
| Pretax return on assets | 0.8211% | 4,280 |
| Return on Equity (ROE) | 6.4034% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.4034% | 2,165 |
| Net charge-offs to loans | 0.3596% | 1,121 |
| Credit loss provision to net charge-offs | 101.8011% | 2,168 |
| Earnings coverage of net charge-offs (x) | 4.2365% | 3,506 |
| Efficiency ratio | 73.5819% | 2,885 |
| Assets per employee ($millions) | 4.7851% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 4,316 |
| Loan loss allowance to noncurrent loans | 113.5059% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 1,989 |
| Noncurrent loans to loans | 1.0431% | 2,988 |
| Net loans and leases to total assets | 68.5061% | 2,464 |
| Net loans and leases to deposits | 90.8148% | 1,351 |
| Net loans and leases to core deposits | 106.3092% | 939 |
| Total domestic deposits to total assets | 75.4350% | 5,878 |
| Equity capital to assets | 8.5716% | 5,743 |
| Core capital (leverage) ratio | 8.2960% | 5,841 |
| Tier 1 risk-based capital ratio | 11.8109% | 5,603 |
| Total risk-based capital ratio | 12.9919% | 5,570 |
| Memoranda: | ||
| Average total assets | $683,776,750 | 988 |
| Average earning assets | $624,156,500 | 992 |
| Average equity | $57,280,500 | 1,281 |
| Average total loans | $473,432,250 | 941 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 1,928 |
| Cost of funding earning assets | 0.5127% | 2,696 |
| Net interest margin | 3.9578% | 1,937 |
| Noninterest income to average assets | 0.3044% | 4,969 |
| Noninterest expense to average assets | 2.9944% | 2,847 |
| Loan and lease loss provision to assets | 0.2566% | 843 |
| Net operating income to assets | 0.4359% | 5,074 |
| Return on assets (ROA) | 0.4551% | 5,069 |
| Pretax return on assets | 0.6985% | 4,644 |
| Return on Equity (ROE) | 5.4757% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.4757% | 2,646 |
| Net charge-offs to loans | 0.4123% | 986 |
| Credit loss provision to net charge-offs | 89.9281% | 2,181 |
| Earnings coverage of net charge-offs (x) | 3.2436% | 3,358 |
| Efficiency ratio | 75.8136% | 2,668 |
| Assets per employee ($millions) | 4.7567% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 4,584 |
| Loan loss allowance to noncurrent loans | 87.6901% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5015% | 2,173 |
| Noncurrent loans to loans | 1.3301% | 2,590 |
| Net loans and leases to total assets | 68.4737% | 2,330 |
| Net loans and leases to deposits | 91.7364% | 1,182 |
| Net loans and leases to core deposits | 106.0477% | 897 |
| Total domestic deposits to total assets | 74.6418% | 6,051 |
| Equity capital to assets | 8.5123% | 5,792 |
| Core capital (leverage) ratio | 8.1065% | 6,016 |
| Tier 1 risk-based capital ratio | 11.4197% | 5,848 |
| Total risk-based capital ratio | 12.5759% | 5,839 |
| Memoranda: | ||
| Average total assets | $682,016,330 | 990 |
| Average earning assets | $623,019,000 | 989 |
| Average equity | $56,686,330 | 1,283 |
| Average total loans | $472,008,670 | 939 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 2,174 |
| Cost of funding earning assets | 0.5123% | 2,781 |
| Net interest margin | 3.8773% | 2,166 |
| Noninterest income to average assets | 0.4144% | 4,072 |
| Noninterest expense to average assets | 3.0146% | 2,820 |
| Loan and lease loss provision to assets | 0.2498% | 864 |
| Net operating income to assets | 0.4496% | 4,930 |
| Return on assets (ROA) | 0.4496% | 5,003 |
| Pretax return on assets | 0.6912% | 4,517 |
| Return on Equity (ROE) | 5.4764% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.4764% | 2,797 |
| Net charge-offs to loans | 0.4750% | 768 |
| Credit loss provision to net charge-offs | 76.0286% | 1,945 |
| Earnings coverage of net charge-offs (x) | 2.8640% | 2,784 |
| Efficiency ratio | 75.5572% | 2,865 |
| Assets per employee ($millions) | 4.6541% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 4,793 |
| Loan loss allowance to noncurrent loans | 108.3547% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 2,566 |
| Noncurrent loans to loans | 1.0768% | 3,267 |
| Net loans and leases to total assets | 68.5514% | 2,132 |
| Net loans and leases to deposits | 90.7765% | 1,062 |
| Net loans and leases to core deposits | 104.3594% | 835 |
| Total domestic deposits to total assets | 75.5167% | 6,117 |
| Equity capital to assets | 8.3370% | 5,792 |
| Core capital (leverage) ratio | 7.9146% | 6,171 |
| Tier 1 risk-based capital ratio | 11.3296% | 6,007 |
| Total risk-based capital ratio | 12.4965% | 5,992 |
| Memoranda: | ||
| Average total assets | $680,545,000 | 998 |
| Average earning assets | $621,571,000 | 1,003 |
| Average equity | $55,876,500 | 1,295 |
| Average total loans | $470,737,000 | 946 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 1,498 |
| Cost of funding earning assets | 0.5272% | 3,325 |
| Net interest margin | 4.2009% | 1,355 |
| Noninterest income to average assets | 0.3766% | 4,616 |
| Noninterest expense to average assets | 3.2956% | 2,162 |
| Loan and lease loss provision to assets | 0.4351% | 673 |
| Net operating income to assets | 0.2684% | 5,624 |
| Return on assets (ROA) | 0.3200% | 5,551 |
| Pretax return on assets | 0.4925% | 5,224 |
| Return on Equity (ROE) | 3.6160% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.6160% | 3,652 |
| Net charge-offs to loans | 0.9003% | 678 |
| Credit loss provision to net charge-offs | 67.8392% | 3,362 |
| Earnings coverage of net charge-offs (x) | 1.3224% | 4,621 |
| Efficiency ratio | 78.5409% | 2,381 |
| Assets per employee ($millions) | 4.7333% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 4,669 |
| Loan loss allowance to noncurrent loans | 100.9498% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 2,508 |
| Noncurrent loans to loans | 1.1868% | 3,170 |
| Net loans and leases to total assets | 68.1547% | 2,329 |
| Net loans and leases to deposits | 89.4741% | 1,283 |
| Net loans and leases to core deposits | 103.2041% | 960 |
| Total domestic deposits to total assets | 76.1725% | 6,082 |
| Equity capital to assets | 8.0845% | 5,952 |
| Core capital (leverage) ratio | 7.9089% | 6,197 |
| Tier 1 risk-based capital ratio | 11.0858% | 6,128 |
| Total risk-based capital ratio | 12.2871% | 6,098 |
| Memoranda: | ||
| Average total assets | $620,547,200 | 1,073 |
| Average earning assets | $556,477,800 | 1,090 |
| Average equity | $54,922,200 | 1,299 |
| Average total loans | $442,061,000 | 963 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 1,379 |
| Cost of funding earning assets | 0.5289% | 3,475 |
| Net interest margin | 4.2595% | 1,186 |
| Noninterest income to average assets | 0.4042% | 4,502 |
| Noninterest expense to average assets | 3.3667% | 1,907 |
| Loan and lease loss provision to assets | 0.3414% | 952 |
| Net operating income to assets | 0.3243% | 5,519 |
| Return on assets (ROA) | 0.3817% | 5,463 |
| Pretax return on assets | 0.5862% | 5,072 |
| Return on Equity (ROE) | 4.2105% | 5,126 |
| Retained earnings to average equity (ytd only) | 4.2105% | 3,688 |
| Net charge-offs to loans | 0.8986% | 647 |
| Credit loss provision to net charge-offs | 52.8649% | 3,441 |
| Earnings coverage of net charge-offs (x) | 1.2995% | 4,403 |
| Efficiency ratio | 78.9986% | 2,261 |
| Assets per employee ($millions) | 4.4127% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 4,814 |
| Loan loss allowance to noncurrent loans | 90.3020% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 2.3905% | 1,632 |
| Noncurrent loans to loans | 1.3410% | 3,178 |
| Net loans and leases to total assets | 70.0370% | 1,958 |
| Net loans and leases to deposits | 88.3728% | 1,328 |
| Net loans and leases to core deposits | 101.3729% | 1,036 |
| Total domestic deposits to total assets | 79.2518% | 5,688 |
| Equity capital to assets | 8.5958% | 5,626 |
| Core capital (leverage) ratio | 8.3966% | 5,860 |
| Tier 1 risk-based capital ratio | 11.2162% | 6,180 |
| Total risk-based capital ratio | 12.4180% | 6,177 |
| Memoranda: | ||
| Average total assets | $605,286,250 | 1,107 |
| Average earning assets | $540,235,500 | 1,134 |
| Average equity | $54,877,000 | 1,313 |
| Average total loans | $435,034,000 | 985 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 1,092 |
| Cost of funding earning assets | 0.5313% | 3,585 |
| Net interest margin | 4.3693% | 900 |
| Noninterest income to average assets | 0.4690% | 4,031 |
| Noninterest expense to average assets | 3.4152% | 1,792 |
| Loan and lease loss provision to assets | 0.3968% | 788 |
| Net operating income to assets | 0.3516% | 5,399 |
| Return on assets (ROA) | 0.4120% | 5,334 |
| Pretax return on assets | 0.6345% | 4,898 |
| Return on Equity (ROE) | 4.4599% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.4599% | 3,428 |
| Net charge-offs to loans | 1.2216% | 470 |
| Credit loss provision to net charge-offs | 44.9675% | 3,326 |
| Earnings coverage of net charge-offs (x) | 1.0635% | 4,176 |
| Efficiency ratio | 77.5460% | 2,535 |
| Assets per employee ($millions) | 4.2952% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,839 |
| Loan loss allowance to noncurrent loans | 81.2046% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.6041% | 1,610 |
| Noncurrent loans to loans | 1.5130% | 3,031 |
| Net loans and leases to total assets | 72.1514% | 1,555 |
| Net loans and leases to deposits | 87.8016% | 1,365 |
| Net loans and leases to core deposits | 100.4611% | 1,046 |
| Total domestic deposits to total assets | 82.1755% | 4,994 |
| Equity capital to assets | 8.9074% | 5,316 |
| Core capital (leverage) ratio | 8.5446% | 5,618 |
| Tier 1 risk-based capital ratio | 11.2214% | 6,232 |
| Total risk-based capital ratio | 12.4250% | 6,227 |
| Memoranda: | ||
| Average total assets | $592,299,000 | 1,134 |
| Average earning assets | $526,584,670 | 1,161 |
| Average equity | $54,710,000 | 1,315 |
| Average total loans | $427,797,670 | 992 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 1,308 |
| Cost of funding earning assets | 0.5489% | 3,582 |
| Net interest margin | 4.2414% | 1,095 |
| Noninterest income to average assets | 0.4833% | 3,899 |
| Noninterest expense to average assets | 3.4681% | 1,688 |
| Loan and lease loss provision to assets | 0.2399% | 1,513 |
| Net operating income to assets | 0.3448% | 5,380 |
| Return on assets (ROA) | 0.3448% | 5,523 |
| Pretax return on assets | 0.5313% | 5,175 |
| Return on Equity (ROE) | 3.6648% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.6648% | 4,042 |
| Net charge-offs to loans | 1.5497% | 346 |
| Credit loss provision to net charge-offs | 21.5650% | 3,012 |
| Earnings coverage of net charge-offs (x) | 0.6932% | 3,596 |
| Efficiency ratio | 80.7406% | 2,218 |
| Assets per employee ($millions) | 4.1036% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 4,491 |
| Loan loss allowance to noncurrent loans | 77.2148% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 3.3522% | 1,296 |
| Noncurrent loans to loans | 1.7423% | 2,939 |
| Net loans and leases to total assets | 69.9801% | 1,661 |
| Net loans and leases to deposits | 84.4104% | 1,543 |
| Net loans and leases to core deposits | 94.5248% | 1,305 |
| Total domestic deposits to total assets | 82.9046% | 4,886 |
| Equity capital to assets | 9.3337% | 5,090 |
| Core capital (leverage) ratio | 8.5039% | 5,586 |
| Tier 1 risk-based capital ratio | 11.2643% | 6,281 |
| Total risk-based capital ratio | 12.5150% | 6,262 |
| Memoranda: | ||
| Average total assets | $583,489,000 | 1,159 |
| Average earning assets | $516,716,000 | 1,206 |
| Average equity | $54,901,000 | 1,328 |
| Average total loans | $418,927,000 | 1,020 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9770% | 1,626 |
| Cost of funding earning assets | 0.7942% | 2,710 |
| Net interest margin | 4.1828% | 1,707 |
| Noninterest income to average assets | 0.3088% | 5,241 |
| Noninterest expense to average assets | 3.5073% | 1,798 |
| Loan and lease loss provision to assets | 0.3914% | 1,664 |
| Net operating income to assets | 0.0783% | 6,048 |
| Return on assets (ROA) | -1.1991% | 6,805 |
| Pretax return on assets | -1.8372% | 6,909 |
| Return on Equity (ROE) | -13.3959% | 6,800 |
| Retained earnings to average equity (ytd only) | -13.3959% | 6,741 |
| Net charge-offs to loans | 0.2887% | 3,215 |
| Credit loss provision to net charge-offs | 201.7167% | 1,281 |
| Earnings coverage of net charge-offs (x) | 2.6764% | 4,090 |
| Efficiency ratio | 85.8880% | 1,441 |
| Assets per employee ($millions) | 3.9187% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 3,111 |
| Loan loss allowance to noncurrent loans | 46.6118% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 3.6392% | 1,226 |
| Noncurrent loans to loans | 3.5423% | 1,401 |
| Net loans and leases to total assets | 71.4816% | 1,575 |
| Net loans and leases to deposits | 81.2361% | 2,120 |
| Net loans and leases to core deposits | 91.1105% | 1,714 |
| Total domestic deposits to total assets | 87.9924% | 2,240 |
| Equity capital to assets | 9.4865% | 4,895 |
| Core capital (leverage) ratio | 8.4616% | 5,677 |
| Tier 1 risk-based capital ratio | 11.0722% | 6,319 |
| Total risk-based capital ratio | 12.3268% | 6,283 |
| Memoranda: | ||
| Average total assets | $600,466,600 | 1,107 |
| Average earning assets | $533,711,600 | 1,130 |
| Average equity | $53,747,800 | 1,323 |
| Average total loans | $403,519,600 | 1,033 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 2,061 |
| Cost of funding earning assets | 0.8419% | 2,613 |
| Net interest margin | 4.0444% | 2,318 |
| Noninterest income to average assets | 0.2871% | 5,484 |
| Noninterest expense to average assets | 3.4521% | 1,879 |
| Loan and lease loss provision to assets | 0.2308% | 2,741 |
| Net operating income to assets | 0.1455% | 6,041 |
| Return on assets (ROA) | 0.2858% | 5,865 |
| Pretax return on assets | 0.4005% | 5,717 |
| Return on Equity (ROE) | 3.2384% | 5,597 |
| Retained earnings to average equity (ytd only) | 3.2384% | 4,591 |
| Net charge-offs to loans | 0.3112% | 2,885 |
| Credit loss provision to net charge-offs | 112.5402% | 2,597 |
| Earnings coverage of net charge-offs (x) | 2.1147% | 4,211 |
| Efficiency ratio | 87.5665% | 1,245 |
| Assets per employee ($millions) | 3.8620% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 4,350 |
| Loan loss allowance to noncurrent loans | 42.4782% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 3.5964% | 1,389 |
| Noncurrent loans to loans | 3.3091% | 1,662 |
| Net loans and leases to total assets | 72.2160% | 1,516 |
| Net loans and leases to deposits | 83.0059% | 1,999 |
| Net loans and leases to core deposits | 93.3944% | 1,635 |
| Total domestic deposits to total assets | 87.0011% | 2,666 |
| Equity capital to assets | 9.8308% | 4,735 |
| Core capital (leverage) ratio | 9.9440% | 3,623 |
| Tier 1 risk-based capital ratio | 11.5844% | 6,179 |
| Total risk-based capital ratio | 12.7129% | 6,218 |
| Memoranda: | ||
| Average total assets | $606,570,000 | 1,103 |
| Average earning assets | $539,732,000 | 1,134 |
| Average equity | $53,523,000 | 1,339 |
| Average total loans | $399,728,250 | 1,050 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 2,767 |
| Cost of funding earning assets | 0.8818% | 2,545 |
| Net interest margin | 3.8558% | 3,109 |
| Noninterest income to average assets | 0.3044% | 5,373 |
| Noninterest expense to average assets | 3.3606% | 2,127 |
| Loan and lease loss provision to assets | 0.2421% | 2,642 |
| Net operating income to assets | 0.0991% | 6,162 |
| Return on assets (ROA) | 0.2615% | 5,922 |
| Pretax return on assets | 0.3583% | 5,806 |
| Return on Equity (ROE) | 3.0705% | 5,668 |
| Retained earnings to average equity (ytd only) | 3.0705% | 4,598 |
| Net charge-offs to loans | 0.3220% | 2,744 |
| Credit loss provision to net charge-offs | 118.1102% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.8441% | 4,054 |
| Efficiency ratio | 88.6193% | 1,181 |
| Assets per employee ($millions) | 4.1867% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 4,411 |
| Loan loss allowance to noncurrent loans | 42.4020% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 3.1882% | 1,708 |
| Noncurrent loans to loans | 3.3325% | 1,746 |
| Net loans and leases to total assets | 64.0597% | 3,019 |
| Net loans and leases to deposits | 82.8261% | 2,002 |
| Net loans and leases to core deposits | 93.2199% | 1,668 |
| Total domestic deposits to total assets | 77.3424% | 6,272 |
| Equity capital to assets | 8.7107% | 6,015 |
| Core capital (leverage) ratio | 9.5369% | 4,096 |
| Tier 1 risk-based capital ratio | 11.1220% | 6,440 |
| Total risk-based capital ratio | 12.2213% | 6,493 |
| Memoranda: | ||
| Average total assets | $619,524,000 | 1,073 |
| Average earning assets | $551,796,330 | 1,103 |
| Average equity | $52,760,670 | 1,349 |
| Average total loans | $394,364,000 | 1,068 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 2,660 |
| Cost of funding earning assets | 0.9223% | 2,498 |
| Net interest margin | 3.8721% | 3,043 |
| Noninterest income to average assets | 0.3076% | 5,422 |
| Noninterest expense to average assets | 3.3926% | 2,027 |
| Loan and lease loss provision to assets | 0.2946% | 2,118 |
| Net operating income to assets | 0.0479% | 6,334 |
| Return on assets (ROA) | 0.2383% | 6,008 |
| Pretax return on assets | 0.3240% | 5,921 |
| Return on Equity (ROE) | 2.8313% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.8313% | 4,835 |
| Net charge-offs to loans | 0.3555% | 2,237 |
| Credit loss provision to net charge-offs | 131.5789% | 1,853 |
| Earnings coverage of net charge-offs (x) | 1.6140% | 3,513 |
| Efficiency ratio | 88.9974% | 1,178 |
| Assets per employee ($millions) | 4.3194% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 4,161 |
| Loan loss allowance to noncurrent loans | 67.1036% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.7349% | 2,154 |
| Noncurrent loans to loans | 2.2323% | 2,884 |
| Net loans and leases to total assets | 61.6984% | 3,320 |
| Net loans and leases to deposits | 77.2002% | 2,646 |
| Net loans and leases to core deposits | 88.6860% | 1,980 |
| Total domestic deposits to total assets | 79.9200% | 5,870 |
| Equity capital to assets | 8.2849% | 6,279 |
| Core capital (leverage) ratio | 9.1442% | 4,615 |
| Tier 1 risk-based capital ratio | 10.7857% | 6,633 |
| Total risk-based capital ratio | 11.9247% | 6,662 |
| Memoranda: | ||
| Average total assets | $611,098,500 | 1,088 |
| Average earning assets | $543,885,000 | 1,119 |
| Average equity | $51,424,500 | 1,378 |
| Average total loans | $384,794,500 | 1,103 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1361% | 2,307 |
| Cost of funding earning assets | 1.3780% | 1,129 |
| Net interest margin | 3.7581% | 4,036 |
| Noninterest income to average assets | 0.4662% | 4,084 |
| Noninterest expense to average assets | 3.2271% | 2,777 |
| Loan and lease loss provision to assets | 0.2036% | 4,148 |
| Net operating income to assets | 0.2501% | 5,423 |
| Return on assets (ROA) | 0.3273% | 5,307 |
| Pretax return on assets | 0.4569% | 5,110 |
| Return on Equity (ROE) | 3.9083% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.9083% | 3,430 |
| Net charge-offs to loans | 0.3999% | 3,416 |
| Credit loss provision to net charge-offs | 81.5217% | 4,386 |
| Earnings coverage of net charge-offs (x) | 2.2154% | 4,121 |
| Efficiency ratio | 83.7679% | 1,788 |
| Assets per employee ($millions) | 4.1681% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 3,986 |
| Loan loss allowance to noncurrent loans | 68.7883% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.8227% | 2,141 |
| Noncurrent loans to loans | 2.1914% | 2,962 |
| Net loans and leases to total assets | 62.3564% | 3,528 |
| Net loans and leases to deposits | 78.1460% | 2,818 |
| Net loans and leases to core deposits | 89.7044% | 2,164 |
| Total domestic deposits to total assets | 79.7947% | 5,799 |
| Equity capital to assets | 8.5500% | 6,073 |
| Core capital (leverage) ratio | 9.2298% | 4,427 |
| Tier 1 risk-based capital ratio | 10.8785% | 6,520 |
| Total risk-based capital ratio | 12.0206% | 6,553 |
| Memoranda: | ||
| Average total assets | $589,446,400 | 1,120 |
| Average earning assets | $519,809,400 | 1,149 |
| Average equity | $49,357,000 | 1,381 |
| Average total loans | $368,078,200 | 1,150 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 2,203 |
| Cost of funding earning assets | 1.4937% | 887 |
| Net interest margin | 3.7079% | 4,300 |
| Noninterest income to average assets | 0.4951% | 3,905 |
| Noninterest expense to average assets | 3.2112% | 2,798 |
| Loan and lease loss provision to assets | 0.2045% | 3,979 |
| Net operating income to assets | 0.2547% | 5,554 |
| Return on assets (ROA) | 0.3479% | 5,394 |
| Pretax return on assets | 0.4706% | 5,258 |
| Return on Equity (ROE) | 4.1772% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.1772% | 3,758 |
| Net charge-offs to loans | 0.3561% | 3,310 |
| Credit loss provision to net charge-offs | 92.3077% | 3,694 |
| Earnings coverage of net charge-offs (x) | 2.4790% | 3,888 |
| Efficiency ratio | 83.7392% | 1,754 |
| Assets per employee ($millions) | 4.3405% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 3,743 |
| Loan loss allowance to noncurrent loans | 61.9187% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 3.0453% | 2,104 |
| Noncurrent loans to loans | 2.5553% | 2,713 |
| Net loans and leases to total assets | 61.5303% | 3,835 |
| Net loans and leases to deposits | 77.0016% | 3,167 |
| Net loans and leases to core deposits | 89.5756% | 2,304 |
| Total domestic deposits to total assets | 79.9079% | 5,763 |
| Equity capital to assets | 8.5005% | 6,294 |
| Core capital (leverage) ratio | 9.1096% | 4,773 |
| Tier 1 risk-based capital ratio | 10.8391% | 6,639 |
| Total risk-based capital ratio | 12.0312% | 6,654 |
| Memoranda: | ||
| Average total assets | $586,758,000 | 1,123 |
| Average earning assets | $516,726,500 | 1,172 |
| Average equity | $48,867,000 | 1,402 |
| Average total loans | $365,100,000 | 1,172 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 2,047 |
| Cost of funding earning assets | 1.5738% | 776 |
| Net interest margin | 3.6815% | 4,349 |
| Noninterest income to average assets | 0.4218% | 4,497 |
| Noninterest expense to average assets | 3.1997% | 2,898 |
| Loan and lease loss provision to assets | 0.2059% | 3,862 |
| Net operating income to assets | 0.1800% | 5,805 |
| Return on assets (ROA) | 0.2914% | 5,540 |
| Pretax return on assets | 0.4088% | 5,369 |
| Return on Equity (ROE) | 3.5240% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.5240% | 4,006 |
| Net charge-offs to loans | 0.2271% | 3,764 |
| Credit loss provision to net charge-offs | 145.9854% | 2,095 |
| Earnings coverage of net charge-offs (x) | 3.2457% | 3,246 |
| Efficiency ratio | 85.6513% | 1,636 |
| Assets per employee ($millions) | 4.3377% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 3,358 |
| Loan loss allowance to noncurrent loans | 61.9086% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 3.1573% | 2,128 |
| Noncurrent loans to loans | 2.7323% | 2,663 |
| Net loans and leases to total assets | 60.5274% | 4,177 |
| Net loans and leases to deposits | 75.3595% | 3,587 |
| Net loans and leases to core deposits | 86.4697% | 2,831 |
| Total domestic deposits to total assets | 80.3182% | 5,734 |
| Equity capital to assets | 8.2902% | 6,435 |
| Core capital (leverage) ratio | 9.1601% | 4,473 |
| Tier 1 risk-based capital ratio | 10.8785% | 6,615 |
| Total risk-based capital ratio | 12.1288% | 6,581 |
| Memoranda: | ||
| Average total assets | $582,682,000 | 1,147 |
| Average earning assets | $512,132,000 | 1,189 |
| Average equity | $48,183,670 | 1,405 |
| Average total loans | $361,972,330 | 1,196 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 1,901 |
| Cost of funding earning assets | 1.6179% | 768 |
| Net interest margin | 3.6700% | 4,247 |
| Noninterest income to average assets | 0.6060% | 3,123 |
| Noninterest expense to average assets | 3.2034% | 2,881 |
| Loan and lease loss provision to assets | 0.2080% | 3,560 |
| Net operating income to assets | 0.2926% | 5,449 |
| Return on assets (ROA) | 0.3266% | 5,360 |
| Pretax return on assets | 0.4604% | 5,148 |
| Return on Equity (ROE) | 3.9545% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.9545% | 3,804 |
| Net charge-offs to loans | 0.2578% | 3,040 |
| Credit loss provision to net charge-offs | 129.3103% | 2,137 |
| Earnings coverage of net charge-offs (x) | 3.8578% | 2,614 |
| Efficiency ratio | 81.8132% | 2,257 |
| Assets per employee ($millions) | 4.6000% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 3,402 |
| Loan loss allowance to noncurrent loans | 80.4454% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 2.9892% | 2,310 |
| Noncurrent loans to loans | 2.0924% | 3,453 |
| Net loans and leases to total assets | 61.6402% | 3,939 |
| Net loans and leases to deposits | 74.9461% | 3,601 |
| Net loans and leases to core deposits | 86.0619% | 2,864 |
| Total domestic deposits to total assets | 82.2461% | 5,212 |
| Equity capital to assets | 8.3102% | 6,150 |
| Core capital (leverage) ratio | 9.1711% | 4,336 |
| Tier 1 risk-based capital ratio | 10.9043% | 6,566 |
| Total risk-based capital ratio | 12.1547% | 6,547 |
| Memoranda: | ||
| Average total assets | $576,890,500 | 1,165 |
| Average earning assets | $505,829,500 | 1,210 |
| Average equity | $47,642,500 | 1,408 |
| Average total loans | $360,017,500 | 1,218 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5725% | 1,999 |
| Cost of funding earning assets | 1.8984% | 848 |
| Net interest margin | 3.6742% | 4,474 |
| Noninterest income to average assets | 0.3203% | 5,497 |
| Noninterest expense to average assets | 2.9368% | 4,079 |
| Loan and lease loss provision to assets | 0.5306% | 3,032 |
| Net operating income to assets | 0.1112% | 5,561 |
| Return on assets (ROA) | 0.3596% | 4,870 |
| Pretax return on assets | 0.3141% | 5,193 |
| Return on Equity (ROE) | 4.6735% | 4,223 |
| Retained earnings to average equity (ytd only) | 4.6735% | 2,627 |
| Net charge-offs to loans | 0.9455% | 2,293 |
| Credit loss provision to net charge-offs | 89.6864% | 5,144 |
| Earnings coverage of net charge-offs (x) | 1.0079% | 5,104 |
| Efficiency ratio | 81.0220% | 2,288 |
| Assets per employee ($millions) | 4.5217% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 3,332 |
| Loan loss allowance to noncurrent loans | 66.7928% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 3.1506% | 2,248 |
| Noncurrent loans to loans | 2.4985% | 3,027 |
| Net loans and leases to total assets | 61.0828% | 4,473 |
| Net loans and leases to deposits | 74.7808% | 4,067 |
| Net loans and leases to core deposits | 85.2105% | 3,438 |
| Total domestic deposits to total assets | 81.6825% | 5,298 |
| Equity capital to assets | 8.2071% | 6,254 |
| Core capital (leverage) ratio | 8.8786% | 4,731 |
| Tier 1 risk-based capital ratio | 10.8105% | 6,478 |
| Total risk-based capital ratio | 12.0609% | 6,442 |
| Memoranda: | ||
| Average total assets | $598,206,200 | 1,119 |
| Average earning assets | $523,083,200 | 1,174 |
| Average equity | $46,025,600 | 1,459 |
| Average total loans | $374,289,200 | 1,213 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6728% | 1,806 |
| Cost of funding earning assets | 1.9346% | 916 |
| Net interest margin | 3.7382% | 4,238 |
| Noninterest income to average assets | 0.2255% | 6,286 |
| Noninterest expense to average assets | 2.8540% | 4,267 |
| Loan and lease loss provision to assets | 0.5140% | 2,887 |
| Net operating income to assets | 0.1182% | 5,724 |
| Return on assets (ROA) | 0.6297% | 3,918 |
| Pretax return on assets | 0.6524% | 4,418 |
| Return on Equity (ROE) | 8.3169% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.3169% | 1,308 |
| Net charge-offs to loans | 0.9358% | 2,120 |
| Credit loss provision to net charge-offs | 87.6366% | 4,868 |
| Earnings coverage of net charge-offs (x) | 1.0897% | 4,964 |
| Efficiency ratio | 79.5949% | 2,410 |
| Assets per employee ($millions) | 4.9591% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 3,297 |
| Loan loss allowance to noncurrent loans | 73.2201% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 2.9505% | 2,456 |
| Noncurrent loans to loans | 2.2677% | 3,367 |
| Net loans and leases to total assets | 60.0833% | 4,898 |
| Net loans and leases to deposits | 73.0448% | 4,681 |
| Net loans and leases to core deposits | 83.7993% | 3,977 |
| Total domestic deposits to total assets | 82.2554% | 4,888 |
| Equity capital to assets | 8.3098% | 6,492 |
| Core capital (leverage) ratio | 8.9927% | 4,703 |
| Tier 1 risk-based capital ratio | 10.9118% | 6,452 |
| Total risk-based capital ratio | 12.1532% | 6,443 |
| Memoranda: | ||
| Average total assets | $603,062,750 | 1,117 |
| Average earning assets | $527,155,500 | 1,173 |
| Average equity | $45,656,750 | 1,473 |
| Average total loans | $377,977,750 | 1,207 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7156% | 1,705 |
| Cost of funding earning assets | 1.9640% | 1,004 |
| Net interest margin | 3.7516% | 4,123 |
| Noninterest income to average assets | 0.3074% | 5,697 |
| Noninterest expense to average assets | 2.8204% | 4,391 |
| Loan and lease loss provision to assets | 0.4540% | 3,052 |
| Net operating income to assets | 0.4428% | 4,575 |
| Return on assets (ROA) | 0.6181% | 3,926 |
| Pretax return on assets | 0.4874% | 4,944 |
| Return on Equity (ROE) | 8.4340% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.4340% | 1,283 |
| Net charge-offs to loans | 1.1798% | 1,612 |
| Credit loss provision to net charge-offs | 60.8946% | 5,188 |
| Earnings coverage of net charge-offs (x) | 1.0275% | 4,760 |
| Efficiency ratio | 76.5513% | 2,974 |
| Assets per employee ($millions) | 4.7694% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 4,093 |
| Loan loss allowance to noncurrent loans | 78.1691% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.8436% | 2,540 |
| Noncurrent loans to loans | 1.8738% | 3,901 |
| Net loans and leases to total assets | 62.3576% | 4,611 |
| Net loans and leases to deposits | 75.2637% | 4,471 |
| Net loans and leases to core deposits | 84.8650% | 4,010 |
| Total domestic deposits to total assets | 82.8521% | 4,629 |
| Equity capital to assets | 7.8880% | 6,859 |
| Core capital (leverage) ratio | 8.2719% | 5,825 |
| Tier 1 risk-based capital ratio | 10.0266% | 7,007 |
| Total risk-based capital ratio | 11.1285% | 7,073 |
| Memoranda: | ||
| Average total assets | $605,720,670 | 1,113 |
| Average earning assets | $529,429,000 | 1,165 |
| Average equity | $44,392,000 | 1,502 |
| Average total loans | $382,775,000 | 1,203 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6711% | 1,884 |
| Cost of funding earning assets | 1.9660% | 1,194 |
| Net interest margin | 3.7051% | 4,215 |
| Noninterest income to average assets | 0.2258% | 6,344 |
| Noninterest expense to average assets | 2.7927% | 4,505 |
| Loan and lease loss provision to assets | 0.6527% | 1,944 |
| Net operating income to assets | 0.5952% | 3,910 |
| Return on assets (ROA) | 0.6011% | 4,036 |
| Pretax return on assets | 0.0261% | 6,303 |
| Return on Equity (ROE) | 8.5154% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.5154% | 1,531 |
| Net charge-offs to loans | 1.8169% | 956 |
| Credit loss provision to net charge-offs | 56.8828% | 4,361 |
| Earnings coverage of net charge-offs (x) | 0.5865% | 4,501 |
| Efficiency ratio | 78.2863% | 2,852 |
| Assets per employee ($millions) | 4.8937% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 4,077 |
| Loan loss allowance to noncurrent loans | 74.8199% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 2.6841% | 2,716 |
| Noncurrent loans to loans | 1.9633% | 3,840 |
| Net loans and leases to total assets | 60.9944% | 4,943 |
| Net loans and leases to deposits | 77.7564% | 4,094 |
| Net loans and leases to core deposits | 88.5151% | 3,566 |
| Total domestic deposits to total assets | 78.4429% | 6,217 |
| Equity capital to assets | 7.1279% | 7,318 |
| Core capital (leverage) ratio | 7.9029% | 6,381 |
| Tier 1 risk-based capital ratio | 8.3620% | 7,572 |
| Total risk-based capital ratio | 9.3313% | 7,609 |
| Memoranda: | ||
| Average total assets | $612,877,500 | 1,120 |
| Average earning assets | $535,914,000 | 1,180 |
| Average equity | $43,263,000 | 1,551 |
| Average total loans | $387,028,000 | 1,224 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9766% | 1,959 |
| Cost of funding earning assets | 2.5649% | 865 |
| Net interest margin | 3.4117% | 5,324 |
| Noninterest income to average assets | 0.1390% | 7,050 |
| Noninterest expense to average assets | 9.9873% | 100 |
| Loan and lease loss provision to assets | 0.6421% | 3,232 |
| Net operating income to assets | -8.0698% | 7,934 |
| Return on assets (ROA) | -8.4724% | 7,943 |
| Pretax return on assets | -8.0515% | 7,915 |
| Return on Equity (ROE) | -68.3840% | 7,800 |
| Retained earnings to average equity (ytd only) | -69.4687% | 7,805 |
| Net charge-offs to loans | 1.1196% | 2,192 |
| Credit loss provision to net charge-offs | 93.1946% | 5,886 |
| Earnings coverage of net charge-offs (x) | -10.1701% | 7,164 |
| Efficiency ratio | 84.2084% | 2,324 |
| Assets per employee ($millions) | 4.8346% | 2,434 |
| Cash dividends to net income (ytd only)* | -1.5862% | 7,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 3,187 |
| Loan loss allowance to noncurrent loans | 71.2686% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 2.9999% | 2,333 |
| Noncurrent loans to loans | 2.2762% | 3,309 |
| Net loans and leases to total assets | 63.3653% | 4,733 |
| Net loans and leases to deposits | 84.4184% | 3,194 |
| Net loans and leases to core deposits | 98.6201% | 4,164 |
| Total domestic deposits to total assets | 75.0610% | 6,850 |
| Equity capital to assets | 6.9892% | 7,375 |
| Core capital (leverage) ratio | 7.3754% | 6,912 |
| Tier 1 risk-based capital ratio | 9.1811% | 7,385 |
| Total risk-based capital ratio | 10.4013% | 7,410 |
| Memoranda: | ||
| Average total assets | $669,703,600 | 1,032 |
| Average earning assets | $557,755,600 | 1,130 |
| Average equity | $82,972,600 | 780 |
| Average total loans | $412,095,200 | 1,173 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0419% | 1,876 |
| Cost of funding earning assets | 2.7226% | 739 |
| Net interest margin | 3.3193% | 5,568 |
| Noninterest income to average assets | 0.0639% | 7,589 |
| Noninterest expense to average assets | 2.4797% | 6,139 |
| Loan and lease loss provision to assets | 0.6960% | 2,645 |
| Net operating income to assets | -0.2198% | 6,098 |
| Return on assets (ROA) | -0.0167% | 5,800 |
| Pretax return on assets | -0.0600% | 5,797 |
| Return on Equity (ROE) | -0.1232% | 5,793 |
| Retained earnings to average equity (ytd only) | -1.4125% | 5,588 |
| Net charge-offs to loans | 1.0870% | 1,831 |
| Credit loss provision to net charge-offs | 105.1471% | 4,830 |
| Earnings coverage of net charge-offs (x) | 0.4815% | 5,548 |
| Efficiency ratio | 85.7242% | 2,092 |
| Assets per employee ($millions) | 5.1199% | 2,004 |
| Cash dividends to net income (ytd only)* | -1,046.5463% | 8,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 2,552 |
| Loan loss allowance to noncurrent loans | 47.9301% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.8492% | 2,441 |
| Noncurrent loans to loans | 3.5868% | 2,081 |
| Net loans and leases to total assets | 58.4204% | 5,824 |
| Net loans and leases to deposits | 83.5228% | 3,727 |
| Net loans and leases to core deposits | 100.4054% | 4,329 |
| Total domestic deposits to total assets | 69.9455% | 7,418 |
| Equity capital to assets | 14.4046% | 1,170 |
| Core capital (leverage) ratio | 8.3501% | 5,750 |
| Tier 1 risk-based capital ratio | 10.9601% | 5,989 |
| Total risk-based capital ratio | 12.2128% | 5,951 |
| Memoranda: | ||
| Average total assets | $684,841,000 | 1,014 |
| Average earning assets | $564,198,000 | 1,130 |
| Average equity | $93,072,000 | 701 |
| Average total loans | $417,029,750 | 1,172 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1364% | 1,661 |
| Cost of funding earning assets | 2.7773% | 837 |
| Net interest margin | 3.3591% | 5,324 |
| Noninterest income to average assets | -0.0531% | 8,011 |
| Noninterest expense to average assets | 2.4337% | 6,361 |
| Loan and lease loss provision to assets | 0.9716% | 1,737 |
| Net operating income to assets | -0.4184% | 6,467 |
| Return on assets (ROA) | -0.1418% | 6,117 |
| Pretax return on assets | -0.2549% | 6,183 |
| Return on Equity (ROE) | -1.0643% | 6,079 |
| Retained earnings to average equity (ytd only) | -3.0231% | 5,978 |
| Net charge-offs to loans | 1.4435% | 1,309 |
| Credit loss provision to net charge-offs | 109.6922% | 4,225 |
| Earnings coverage of net charge-offs (x) | 0.3212% | 5,355 |
| Efficiency ratio | 86.6090% | 2,166 |
| Assets per employee ($millions) | 5.1012% | 1,966 |
| Cash dividends to net income (ytd only)* | -184.0491% | 8,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 2,349 |
| Loan loss allowance to noncurrent loans | 53.0338% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.6148% | 2,460 |
| Noncurrent loans to loans | 3.2058% | 2,223 |
| Net loans and leases to total assets | 58.9963% | 5,844 |
| Net loans and leases to deposits | 83.3470% | 3,989 |
| Net loans and leases to core deposits | 100.5137% | 4,458 |
| Total domestic deposits to total assets | 70.7839% | 7,393 |
| Equity capital to assets | 13.0715% | 1,670 |
| Core capital (leverage) ratio | 7.0674% | 7,488 |
| Tier 1 risk-based capital ratio | 9.2324% | 7,583 |
| Total risk-based capital ratio | 10.4851% | 7,574 |
| Memoranda: | ||
| Average total assets | $689,553,330 | 1,025 |
| Average earning assets | $568,897,670 | 1,142 |
| Average equity | $91,892,000 | 719 |
| Average total loans | $423,145,670 | 1,179 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1928% | 1,625 |
| Cost of funding earning assets | 2.8166% | 945 |
| Net interest margin | 3.3762% | 5,228 |
| Noninterest income to average assets | 0.2842% | 6,164 |
| Noninterest expense to average assets | 2.3016% | 6,536 |
| Loan and lease loss provision to assets | 0.6209% | 2,034 |
| Net operating income to assets | 0.1195% | 5,922 |
| Return on assets (ROA) | 0.3084% | 5,441 |
| Pretax return on assets | 0.4182% | 5,345 |
| Return on Equity (ROE) | 2.2928% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.2928% | 4,597 |
| Net charge-offs to loans | 1.3678% | 1,032 |
| Credit loss provision to net charge-offs | 73.1790% | 4,293 |
| Earnings coverage of net charge-offs (x) | 0.9238% | 4,306 |
| Efficiency ratio | 71.8083% | 4,221 |
| Assets per employee ($millions) | 5.1261% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 3,144 |
| Loan loss allowance to noncurrent loans | 32.8610% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 3.4980% | 1,541 |
| Noncurrent loans to loans | 4.4726% | 1,288 |
| Net loans and leases to total assets | 61.8013% | 5,375 |
| Net loans and leases to deposits | 99.4632% | 1,482 |
| Net loans and leases to core deposits | 121.2092% | 2,315 |
| Total domestic deposits to total assets | 62.1348% | 7,909 |
| Equity capital to assets | 13.6050% | 1,496 |
| Core capital (leverage) ratio | 7.2832% | 7,395 |
| Tier 1 risk-based capital ratio | 9.9638% | 6,969 |
| Total risk-based capital ratio | 11.2151% | 6,868 |
| Memoranda: | ||
| Average total assets | $692,549,000 | 1,021 |
| Average earning assets | $574,603,000 | 1,138 |
| Average equity | $93,162,000 | 711 |
| Average total loans | $429,593,000 | 1,175 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5489% | 2,724 |
| Cost of funding earning assets | 3.1638% | 1,301 |
| Net interest margin | 3.3851% | 5,724 |
| Noninterest income to average assets | 0.3432% | 5,992 |
| Noninterest expense to average assets | 2.2496% | 6,841 |
| Loan and lease loss provision to assets | 0.1316% | 5,681 |
| Net operating income to assets | 0.5571% | 4,494 |
| Return on assets (ROA) | 0.5978% | 4,179 |
| Pretax return on assets | 0.8545% | 3,872 |
| Return on Equity (ROE) | 4.2793% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.2793% | 2,453 |
| Net charge-offs to loans | 0.1000% | 5,314 |
| Credit loss provision to net charge-offs | 220.2381% | 2,179 |
| Earnings coverage of net charge-offs (x) | 15.5286% | 1,925 |
| Efficiency ratio | 68.4340% | 4,647 |
| Assets per employee ($millions) | 5.3283% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 2,463 |
| Loan loss allowance to noncurrent loans | 28.2554% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 3.3853% | 1,326 |
| Noncurrent loans to loans | 5.4773% | 751 |
| Net loans and leases to total assets | 60.4099% | 5,849 |
| Net loans and leases to deposits | 101.9537% | 1,595 |
| Net loans and leases to core deposits | 125.4009% | 2,217 |
| Total domestic deposits to total assets | 59.2522% | 7,985 |
| Equity capital to assets | 13.3038% | 1,669 |
| Core capital (leverage) ratio | 7.1051% | 7,611 |
| Tier 1 risk-based capital ratio | 10.0063% | 6,728 |
| Total risk-based capital ratio | 11.2587% | 6,606 |
| Memoranda: | ||
| Average total assets | $702,755,200 | 954 |
| Average earning assets | $588,432,000 | 1,048 |
| Average equity | $98,170,400 | 679 |
| Average total loans | $420,010,000 | 1,141 |