Home > Cumberland County Bank > Performance and Condition Ratios
Cumberland County 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 | 2.7489% | 5,881 |
| Cost of funding earning assets | 0.2710% | 4,487 |
| Net interest margin | 2.4780% | 5,825 |
| Noninterest income to average assets | 0.6716% | 2,163 |
| Noninterest expense to average assets | 2.2099% | 4,882 |
| Loan and lease loss provision to assets | 0.0887% | 2,203 |
| Net operating income to assets | 0.6552% | 3,952 |
| Return on assets (ROA) | 0.6552% | 4,072 |
| Pretax return on assets | 0.7071% | 4,503 |
| Return on Equity (ROE) | 8.6145% | 2,605 |
| Retained earnings to average equity (ytd only) | 2.4587% | 4,276 |
| Net charge-offs to loans | 0.6308% | 349 |
| Credit loss provision to net charge-offs | 34.0314% | 2,188 |
| Earnings coverage of net charge-offs (x) | 3.0524% | 2,595 |
| Efficiency ratio | 73.5241% | 2,552 |
| Assets per employee ($millions) | 7.7499% | 623 |
| Cash dividends to net income (ytd only)* | 71.4583% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,997 |
| Loan loss allowance to noncurrent loans | 14,844.4444% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 4,905 |
| Noncurrent loans to loans | 0.0075% | 5,495 |
| Net loans and leases to total assets | 40.4304% | 5,432 |
| Net loans and leases to deposits | 44.5348% | 5,570 |
| Net loans and leases to core deposits | 45.2974% | 5,615 |
| Total domestic deposits to total assets | 90.7839% | 333 |
| Equity capital to assets | 7.6419% | 5,920 |
| Core capital (leverage) ratio | 7.8581% | 5,830 |
| Tier 1 risk-based capital ratio | 20.4732% | 1,411 |
| Total risk-based capital ratio | 21.6597% | 1,395 |
| Memoranda: | ||
| Average total assets | $293,048,000 | 2,229 |
| Average earning assets | $276,033,500 | 2,205 |
| Average equity | $22,288,000 | 2,991 |
| Average total loans | $121,122,000 | 3,068 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7492% | 5,916 |
| Cost of funding earning assets | 0.2890% | 4,379 |
| Net interest margin | 2.4602% | 5,852 |
| Noninterest income to average assets | 0.7408% | 2,021 |
| Noninterest expense to average assets | 2.1594% | 5,136 |
| Loan and lease loss provision to assets | 0.0836% | 2,618 |
| Net operating income to assets | 0.7568% | 3,538 |
| Return on assets (ROA) | 0.7568% | 3,638 |
| Pretax return on assets | 0.8167% | 4,138 |
| Return on Equity (ROE) | 9.9208% | 2,039 |
| Retained earnings to average equity (ytd only) | 3.3556% | 3,659 |
| Net charge-offs to loans | 0.1292% | 2,083 |
| Credit loss provision to net charge-offs | 154.8387% | 1,724 |
| Earnings coverage of net charge-offs (x) | 16.6774% | 2,114 |
| Efficiency ratio | 70.5748% | 3,130 |
| Assets per employee ($millions) | 8.1000% | 532 |
| Cash dividends to net income (ytd only)* | 66.1758% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 3,486 |
| Loan loss allowance to noncurrent loans | 870.2381% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 5,056 |
| Noncurrent loans to loans | 0.1379% | 4,943 |
| Net loans and leases to total assets | 41.2826% | 5,453 |
| Net loans and leases to deposits | 45.5531% | 5,589 |
| Net loans and leases to core deposits | 46.3419% | 5,637 |
| Total domestic deposits to total assets | 90.6252% | 398 |
| Equity capital to assets | 7.5689% | 5,970 |
| Core capital (leverage) ratio | 7.8167% | 5,905 |
| Tier 1 risk-based capital ratio | 20.2129% | 1,442 |
| Total risk-based capital ratio | 21.4628% | 1,418 |
| Memoranda: | ||
| Average total assets | $287,120,600 | 2,223 |
| Average earning assets | $270,627,800 | 2,194 |
| Average equity | $21,903,400 | 2,986 |
| Average total loans | $119,949,600 | 3,048 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7421% | 6,000 |
| Cost of funding earning assets | 0.2903% | 4,450 |
| Net interest margin | 2.4517% | 5,943 |
| Noninterest income to average assets | 0.7580% | 1,991 |
| Noninterest expense to average assets | 2.2372% | 4,946 |
| Loan and lease loss provision to assets | 0.0839% | 2,496 |
| Net operating income to assets | 0.6923% | 3,935 |
| Return on assets (ROA) | 0.6923% | 4,044 |
| Pretax return on assets | 0.7478% | 4,503 |
| Return on Equity (ROE) | 9.0568% | 2,544 |
| Retained earnings to average equity (ytd only) | 2.6164% | 4,547 |
| Net charge-offs to loans | 0.1283% | 1,850 |
| Credit loss provision to net charge-offs | 156.5217% | 1,624 |
| Earnings coverage of net charge-offs (x) | 15.5130% | 2,176 |
| Efficiency ratio | 72.8999% | 2,737 |
| Assets per employee ($millions) | 8.0500% | 528 |
| Cash dividends to net income (ytd only)* | 71.1109% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,863 |
| Loan loss allowance to noncurrent loans | 621.5517% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 4,957 |
| Noncurrent loans to loans | 0.1868% | 4,901 |
| Net loans and leases to total assets | 42.3511% | 5,467 |
| Net loans and leases to deposits | 46.6735% | 5,625 |
| Net loans and leases to core deposits | 47.6066% | 5,668 |
| Total domestic deposits to total assets | 90.7392% | 328 |
| Equity capital to assets | 7.6083% | 6,059 |
| Core capital (leverage) ratio | 7.7714% | 5,992 |
| Tier 1 risk-based capital ratio | 19.8057% | 1,602 |
| Total risk-based capital ratio | 21.0557% | 1,561 |
| Memoranda: | ||
| Average total assets | $286,000,750 | 2,250 |
| Average earning assets | $269,570,750 | 2,218 |
| Average equity | $21,861,500 | 3,006 |
| Average total loans | $119,476,500 | 3,079 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7348% | 6,054 |
| Cost of funding earning assets | 0.2928% | 4,471 |
| Net interest margin | 2.4420% | 6,011 |
| Noninterest income to average assets | 0.7748% | 1,900 |
| Noninterest expense to average assets | 2.2421% | 5,006 |
| Loan and lease loss provision to assets | 0.0843% | 2,432 |
| Net operating income to assets | 0.6954% | 3,910 |
| Return on assets (ROA) | 0.6954% | 4,027 |
| Pretax return on assets | 0.7509% | 4,492 |
| Return on Equity (ROE) | 9.0830% | 2,491 |
| Retained earnings to average equity (ytd only) | 2.3854% | 4,540 |
| Net charge-offs to loans | 0.1238% | 1,772 |
| Credit loss provision to net charge-offs | 164.3836% | 1,441 |
| Earnings coverage of net charge-offs (x) | 16.2877% | 1,918 |
| Efficiency ratio | 72.8601% | 2,867 |
| Assets per employee ($millions) | 7.7058% | 606 |
| Cash dividends to net income (ytd only)* | 73.7374% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,965 |
| Loan loss allowance to noncurrent loans | 588.4298% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 5,153 |
| Noncurrent loans to loans | 0.1992% | 4,979 |
| Net loans and leases to total assets | 42.1201% | 5,498 |
| Net loans and leases to deposits | 46.5673% | 5,647 |
| Net loans and leases to core deposits | 47.5726% | 5,706 |
| Total domestic deposits to total assets | 90.4501% | 471 |
| Equity capital to assets | 7.7061% | 6,078 |
| Core capital (leverage) ratio | 7.7816% | 6,022 |
| Tier 1 risk-based capital ratio | 19.3263% | 1,716 |
| Total risk-based capital ratio | 20.5594% | 1,685 |
| Memoranda: | ||
| Average total assets | $284,734,000 | 2,271 |
| Average earning assets | $268,464,670 | 2,244 |
| Average equity | $21,799,000 | 3,019 |
| Average total loans | $117,910,000 | 3,126 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7468% | 6,104 |
| Cost of funding earning assets | 0.2909% | 4,542 |
| Net interest margin | 2.4559% | 6,062 |
| Noninterest income to average assets | 0.7071% | 2,137 |
| Noninterest expense to average assets | 2.2056% | 5,127 |
| Loan and lease loss provision to assets | 0.0843% | 2,289 |
| Net operating income to assets | 0.6762% | 3,917 |
| Return on assets (ROA) | 0.6762% | 4,036 |
| Pretax return on assets | 0.7310% | 4,498 |
| Return on Equity (ROE) | 8.8611% | 2,517 |
| Retained earnings to average equity (ytd only) | 2.9475% | 4,206 |
| Net charge-offs to loans | 0.2446% | 976 |
| Credit loss provision to net charge-offs | 84.5070% | 1,788 |
| Earnings coverage of net charge-offs (x) | 8.1690% | 2,103 |
| Efficiency ratio | 73.0107% | 2,987 |
| Assets per employee ($millions) | 7.7479% | 606 |
| Cash dividends to net income (ytd only)* | 66.7360% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 4,317 |
| Loan loss allowance to noncurrent loans | 1,393.8776% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 5,216 |
| Noncurrent loans to loans | 0.0819% | 5,451 |
| Net loans and leases to total assets | 41.2859% | 5,530 |
| Net loans and leases to deposits | 45.4961% | 5,678 |
| Net loans and leases to core deposits | 46.5151% | 5,728 |
| Total domestic deposits to total assets | 90.7459% | 456 |
| Equity capital to assets | 7.6349% | 6,144 |
| Core capital (leverage) ratio | 7.8060% | 6,030 |
| Tier 1 risk-based capital ratio | 21.2311% | 1,375 |
| Total risk-based capital ratio | 22.4817% | 1,355 |
| Memoranda: | ||
| Average total assets | $284,544,500 | 2,292 |
| Average earning assets | $268,091,000 | 2,259 |
| Average equity | $21,713,000 | 3,047 |
| Average total loans | $116,108,000 | 3,160 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6763% | 6,271 |
| Cost of funding earning assets | 0.3239% | 4,547 |
| Net interest margin | 2.3524% | 6,247 |
| Noninterest income to average assets | 0.8097% | 1,833 |
| Noninterest expense to average assets | 2.1749% | 5,401 |
| Loan and lease loss provision to assets | 0.0321% | 3,956 |
| Net operating income to assets | 0.7530% | 3,621 |
| Return on assets (ROA) | 0.7530% | 3,716 |
| Pretax return on assets | 0.8132% | 4,210 |
| Return on Equity (ROE) | 9.9030% | 2,159 |
| Retained earnings to average equity (ytd only) | 2.9948% | 4,106 |
| Net charge-offs to loans | 0.1196% | 2,843 |
| Credit loss provision to net charge-offs | 67.1642% | 3,132 |
| Earnings coverage of net charge-offs (x) | 17.7015% | 1,898 |
| Efficiency ratio | 72.0118% | 3,212 |
| Assets per employee ($millions) | 7.0604% | 820 |
| Cash dividends to net income (ytd only)* | 69.7586% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 3,860 |
| Loan loss allowance to noncurrent loans | 542.1260% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 5,142 |
| Noncurrent loans to loans | 0.2258% | 5,014 |
| Net loans and leases to total assets | 39.3454% | 5,784 |
| Net loans and leases to deposits | 43.3597% | 5,903 |
| Net loans and leases to core deposits | 44.2733% | 5,948 |
| Total domestic deposits to total assets | 90.7417% | 447 |
| Equity capital to assets | 7.6267% | 6,198 |
| Core capital (leverage) ratio | 7.7184% | 6,124 |
| Tier 1 risk-based capital ratio | 23.1105% | 1,073 |
| Total risk-based capital ratio | 24.3628% | 1,045 |
| Memoranda: | ||
| Average total assets | $280,612,800 | 2,274 |
| Average earning assets | $263,684,000 | 2,246 |
| Average equity | $21,337,000 | 3,014 |
| Average total loans | $112,038,000 | 3,177 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6764% | 6,344 |
| Cost of funding earning assets | 0.3283% | 4,579 |
| Net interest margin | 2.3481% | 6,319 |
| Noninterest income to average assets | 0.8452% | 1,724 |
| Noninterest expense to average assets | 2.2044% | 5,342 |
| Loan and lease loss provision to assets | 0.0262% | 3,879 |
| Net operating income to assets | 0.7595% | 3,629 |
| Return on assets (ROA) | 0.7595% | 3,721 |
| Pretax return on assets | 0.8205% | 4,284 |
| Return on Equity (ROE) | 9.9967% | 2,219 |
| Retained earnings to average equity (ytd only) | 3.5264% | 4,134 |
| Net charge-offs to loans | -0.0203% | 5,615 |
| Credit loss provision to net charge-offs | -323.5294% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2508% | 3,134 |
| Assets per employee ($millions) | 7.0684% | 786 |
| Cash dividends to net income (ytd only)* | 64.7243% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 3,516 |
| Loan loss allowance to noncurrent loans | 721.2560% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 5,694 |
| Noncurrent loans to loans | 0.1839% | 5,362 |
| Net loans and leases to total assets | 39.2930% | 5,859 |
| Net loans and leases to deposits | 43.3094% | 6,009 |
| Net loans and leases to core deposits | 44.3091% | 6,028 |
| Total domestic deposits to total assets | 90.7263% | 446 |
| Equity capital to assets | 7.6616% | 6,267 |
| Core capital (leverage) ratio | 7.8322% | 6,165 |
| Tier 1 risk-based capital ratio | 23.3302% | 1,074 |
| Total risk-based capital ratio | 24.5852% | 1,053 |
| Memoranda: | ||
| Average total assets | $280,161,750 | 2,293 |
| Average earning assets | $263,185,500 | 2,264 |
| Average equity | $21,286,500 | 3,027 |
| Average total loans | $111,923,750 | 3,197 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6601% | 6,417 |
| Cost of funding earning assets | 0.3351% | 4,584 |
| Net interest margin | 2.3250% | 6,395 |
| Noninterest income to average assets | 0.9273% | 1,405 |
| Noninterest expense to average assets | 2.2026% | 5,405 |
| Loan and lease loss provision to assets | 0.0859% | 2,591 |
| Net operating income to assets | 0.7590% | 3,520 |
| Return on assets (ROA) | 0.7590% | 3,623 |
| Pretax return on assets | 0.8199% | 4,196 |
| Return on Equity (ROE) | 10.0183% | 2,145 |
| Retained earnings to average equity (ytd only) | 4.4893% | 3,317 |
| Net charge-offs to loans | -0.0036% | 5,124 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8592% | 3,519 |
| Assets per employee ($millions) | 6.8465% | 856 |
| Cash dividends to net income (ytd only)* | 55.1887% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 3,465 |
| Loan loss allowance to noncurrent loans | 1,021.8543% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 5,851 |
| Noncurrent loans to loans | 0.1347% | 5,602 |
| Net loans and leases to total assets | 39.3868% | 5,868 |
| Net loans and leases to deposits | 43.4270% | 6,008 |
| Net loans and leases to core deposits | 44.4365% | 6,048 |
| Total domestic deposits to total assets | 90.6967% | 508 |
| Equity capital to assets | 7.6350% | 6,313 |
| Core capital (leverage) ratio | 7.7821% | 6,217 |
| Tier 1 risk-based capital ratio | 23.2091% | 1,079 |
| Total risk-based capital ratio | 24.4620% | 1,062 |
| Memoranda: | ||
| Average total assets | $279,304,000 | 2,298 |
| Average earning assets | $262,021,670 | 2,271 |
| Average equity | $21,161,330 | 3,038 |
| Average total loans | $111,702,330 | 3,204 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6337% | 6,501 |
| Cost of funding earning assets | 0.3415% | 4,630 |
| Net interest margin | 2.2923% | 6,477 |
| Noninterest income to average assets | 0.7337% | 2,022 |
| Noninterest expense to average assets | 2.1823% | 5,500 |
| Loan and lease loss provision to assets | 0.0861% | 2,472 |
| Net operating income to assets | 0.5671% | 4,364 |
| Return on assets (ROA) | 0.5671% | 4,442 |
| Pretax return on assets | 0.6145% | 4,783 |
| Return on Equity (ROE) | 7.5145% | 3,190 |
| Retained earnings to average equity (ytd only) | 2.0546% | 4,788 |
| Net charge-offs to loans | -0.0143% | 5,190 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6972% | 2,849 |
| Assets per employee ($millions) | 7.1521% | 741 |
| Cash dividends to net income (ytd only)* | 72.6582% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,014 |
| Loan loss allowance to noncurrent loans | 1,083.9416% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 5,960 |
| Noncurrent loans to loans | 0.1217% | 5,749 |
| Net loans and leases to total assets | 39.8192% | 5,821 |
| Net loans and leases to deposits | 43.7843% | 5,987 |
| Net loans and leases to core deposits | 44.8050% | 6,044 |
| Total domestic deposits to total assets | 90.9441% | 592 |
| Equity capital to assets | 7.5362% | 6,306 |
| Core capital (leverage) ratio | 7.7282% | 6,260 |
| Tier 1 risk-based capital ratio | 22.7934% | 1,162 |
| Total risk-based capital ratio | 24.0396% | 1,149 |
| Memoranda: | ||
| Average total assets | $278,602,000 | 2,309 |
| Average earning assets | $261,225,500 | 2,278 |
| Average equity | $21,026,000 | 3,047 |
| Average total loans | $111,501,000 | 3,229 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7170% | 6,539 |
| Cost of funding earning assets | 0.4324% | 4,295 |
| Net interest margin | 2.2846% | 6,532 |
| Noninterest income to average assets | 0.7760% | 2,180 |
| Noninterest expense to average assets | 2.0350% | 5,956 |
| Loan and lease loss provision to assets | 0.0910% | 3,290 |
| Net operating income to assets | 0.7382% | 3,616 |
| Return on assets (ROA) | 0.7382% | 3,697 |
| Pretax return on assets | 0.7973% | 4,153 |
| Return on Equity (ROE) | 10.0021% | 2,116 |
| Retained earnings to average equity (ytd only) | 2.9982% | 4,109 |
| Net charge-offs to loans | 0.8078% | 775 |
| Credit loss provision to net charge-offs | 27.7838% | 4,293 |
| Earnings coverage of net charge-offs (x) | 2.7124% | 4,094 |
| Efficiency ratio | 69.6137% | 3,900 |
| Assets per employee ($millions) | 7.5208% | 596 |
| Cash dividends to net income (ytd only)* | 70.0240% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,208 |
| Loan loss allowance to noncurrent loans | 2,186.1538% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 5,782 |
| Noncurrent loans to loans | 0.0589% | 6,057 |
| Net loans and leases to total assets | 39.1802% | 6,017 |
| Net loans and leases to deposits | 43.1005% | 6,170 |
| Net loans and leases to core deposits | 43.9724% | 6,228 |
| Total domestic deposits to total assets | 90.9042% | 611 |
| Equity capital to assets | 7.5577% | 6,257 |
| Core capital (leverage) ratio | 7.5623% | 6,347 |
| Tier 1 risk-based capital ratio | 22.8405% | 1,122 |
| Total risk-based capital ratio | 24.0919% | 1,098 |
| Memoranda: | ||
| Average total assets | $282,460,400 | 2,250 |
| Average earning assets | $265,477,200 | 2,215 |
| Average equity | $20,845,600 | 3,066 |
| Average total loans | $114,502,600 | 3,162 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7348% | 6,610 |
| Cost of funding earning assets | 0.4507% | 4,264 |
| Net interest margin | 2.2841% | 6,598 |
| Noninterest income to average assets | 0.7868% | 2,217 |
| Noninterest expense to average assets | 2.0641% | 5,899 |
| Loan and lease loss provision to assets | 0.0926% | 3,224 |
| Net operating income to assets | 0.7195% | 3,756 |
| Return on assets (ROA) | 0.7195% | 3,891 |
| Pretax return on assets | 0.7774% | 4,393 |
| Return on Equity (ROE) | 9.8078% | 2,257 |
| Retained earnings to average equity (ytd only) | 3.0577% | 4,487 |
| Net charge-offs to loans | 1.0607% | 535 |
| Credit loss provision to net charge-offs | 21.4363% | 4,049 |
| Earnings coverage of net charge-offs (x) | 2.0131% | 4,155 |
| Efficiency ratio | 70.3478% | 3,697 |
| Assets per employee ($millions) | 7.5634% | 566 |
| Cash dividends to net income (ytd only)* | 68.8233% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 4,745 |
| Loan loss allowance to noncurrent loans | 2,071.2121% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 5,015 |
| Noncurrent loans to loans | 0.0594% | 6,165 |
| Net loans and leases to total assets | 39.2479% | 6,089 |
| Net loans and leases to deposits | 42.8715% | 6,269 |
| Net loans and leases to core deposits | 44.0663% | 6,298 |
| Total domestic deposits to total assets | 91.5478% | 354 |
| Equity capital to assets | 7.4252% | 6,416 |
| Core capital (leverage) ratio | 7.5375% | 6,436 |
| Tier 1 risk-based capital ratio | 22.1288% | 1,298 |
| Total risk-based capital ratio | 23.3790% | 1,279 |
| Memoranda: | ||
| Average total assets | $283,507,750 | 2,255 |
| Average earning assets | $266,530,750 | 2,212 |
| Average equity | $20,799,250 | 3,097 |
| Average total loans | $115,516,250 | 3,155 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7643% | 6,624 |
| Cost of funding earning assets | 0.4667% | 4,244 |
| Net interest margin | 2.2976% | 6,621 |
| Noninterest income to average assets | 0.7755% | 2,297 |
| Noninterest expense to average assets | 2.0321% | 5,982 |
| Loan and lease loss provision to assets | 0.0962% | 3,183 |
| Net operating income to assets | 0.7488% | 3,575 |
| Return on assets (ROA) | 0.7488% | 3,724 |
| Pretax return on assets | 0.8085% | 4,281 |
| Return on Equity (ROE) | 10.2470% | 2,108 |
| Retained earnings to average equity (ytd only) | 3.4317% | 4,137 |
| Net charge-offs to loans | 0.8260% | 758 |
| Credit loss provision to net charge-offs | 28.3644% | 3,624 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,627 |
| Efficiency ratio | 69.1940% | 3,979 |
| Assets per employee ($millions) | 7.4682% | 578 |
| Cash dividends to net income (ytd only)* | 66.5103% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 3,482 |
| Loan loss allowance to noncurrent loans | 201.0381% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 4,427 |
| Noncurrent loans to loans | 0.7563% | 4,409 |
| Net loans and leases to total assets | 39.7784% | 6,058 |
| Net loans and leases to deposits | 43.3834% | 6,261 |
| Net loans and leases to core deposits | 44.5723% | 6,306 |
| Total domestic deposits to total assets | 91.6903% | 312 |
| Equity capital to assets | 7.3561% | 6,487 |
| Core capital (leverage) ratio | 7.3304% | 6,517 |
| Tier 1 risk-based capital ratio | 21.4286% | 1,396 |
| Total risk-based capital ratio | 22.6836% | 1,369 |
| Memoranda: | ||
| Average total assets | $284,729,000 | 2,257 |
| Average earning assets | $267,839,000 | 2,205 |
| Average equity | $20,806,000 | 3,115 |
| Average total loans | $116,955,000 | 3,128 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7609% | 6,703 |
| Cost of funding earning assets | 0.4788% | 4,293 |
| Net interest margin | 2.2821% | 6,696 |
| Noninterest income to average assets | 0.7910% | 2,157 |
| Noninterest expense to average assets | 2.0112% | 6,083 |
| Loan and lease loss provision to assets | 0.1360% | 2,543 |
| Net operating income to assets | 0.7321% | 3,525 |
| Return on assets (ROA) | 0.7321% | 3,665 |
| Pretax return on assets | 0.7896% | 4,210 |
| Return on Equity (ROE) | 10.0525% | 2,042 |
| Retained earnings to average equity (ytd only) | 4.2559% | 3,677 |
| Net charge-offs to loans | 0.2066% | 2,185 |
| Credit loss provision to net charge-offs | 159.0164% | 1,308 |
| Earnings coverage of net charge-offs (x) | 10.8197% | 1,708 |
| Efficiency ratio | 68.4814% | 4,225 |
| Assets per employee ($millions) | 7.5628% | 598 |
| Cash dividends to net income (ytd only)* | 57.6628% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 2,587 |
| Loan loss allowance to noncurrent loans | 114.7408% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 4,544 |
| Noncurrent loans to loans | 1.5777% | 3,166 |
| Net loans and leases to total assets | 40.1060% | 5,985 |
| Net loans and leases to deposits | 43.6756% | 6,223 |
| Net loans and leases to core deposits | 44.7674% | 6,273 |
| Total domestic deposits to total assets | 91.8270% | 279 |
| Equity capital to assets | 7.2641% | 6,658 |
| Core capital (leverage) ratio | 7.4911% | 6,474 |
| Tier 1 risk-based capital ratio | 20.9262% | 1,556 |
| Total risk-based capital ratio | 22.1769% | 1,527 |
| Memoranda: | ||
| Average total assets | $285,198,500 | 2,284 |
| Average earning assets | $268,177,500 | 2,226 |
| Average equity | $20,771,000 | 3,164 |
| Average total loans | $118,117,500 | 3,125 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1036% | 6,727 |
| Cost of funding earning assets | 0.5392% | 4,913 |
| Net interest margin | 2.5644% | 6,662 |
| Noninterest income to average assets | 0.8455% | 2,056 |
| Noninterest expense to average assets | 2.1272% | 6,069 |
| Loan and lease loss provision to assets | 0.2897% | 2,350 |
| Net operating income to assets | 0.7697% | 3,413 |
| Return on assets (ROA) | 0.7697% | 3,666 |
| Pretax return on assets | 0.8308% | 4,177 |
| Return on Equity (ROE) | 10.3703% | 2,013 |
| Retained earnings to average equity (ytd only) | 2.6651% | 4,356 |
| Net charge-offs to loans | 0.4950% | 2,259 |
| Credit loss provision to net charge-offs | 135.1759% | 2,065 |
| Earnings coverage of net charge-offs (x) | 5.2278% | 3,099 |
| Efficiency ratio | 65.4986% | 4,601 |
| Assets per employee ($millions) | 6.9027% | 802 |
| Cash dividends to net income (ytd only)* | 74.3004% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 2,730 |
| Loan loss allowance to noncurrent loans | 120.4729% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 4,656 |
| Noncurrent loans to loans | 1.4590% | 3,407 |
| Net loans and leases to total assets | 41.2571% | 6,074 |
| Net loans and leases to deposits | 44.9304% | 6,312 |
| Net loans and leases to core deposits | 46.0033% | 6,372 |
| Total domestic deposits to total assets | 91.8243% | 276 |
| Equity capital to assets | 7.3022% | 6,694 |
| Core capital (leverage) ratio | 7.4304% | 6,532 |
| Tier 1 risk-based capital ratio | 20.3832% | 1,588 |
| Total risk-based capital ratio | 21.6318% | 1,560 |
| Memoranda: | ||
| Average total assets | $278,533,600 | 2,282 |
| Average earning assets | $260,919,200 | 2,226 |
| Average equity | $20,674,400 | 3,121 |
| Average total loans | $120,611,600 | 3,059 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1555% | 6,820 |
| Cost of funding earning assets | 0.5512% | 5,077 |
| Net interest margin | 2.6043% | 6,750 |
| Noninterest income to average assets | 0.7988% | 2,249 |
| Noninterest expense to average assets | 2.1637% | 6,030 |
| Loan and lease loss provision to assets | 0.1615% | 3,492 |
| Net operating income to assets | 0.8459% | 3,232 |
| Return on assets (ROA) | 0.8459% | 3,482 |
| Pretax return on assets | 0.9122% | 4,060 |
| Return on Equity (ROE) | 11.3492% | 1,839 |
| Retained earnings to average equity (ytd only) | 3.8497% | 4,183 |
| Net charge-offs to loans | 0.4835% | 2,165 |
| Credit loss provision to net charge-offs | 76.5376% | 3,721 |
| Earnings coverage of net charge-offs (x) | 5.0888% | 3,118 |
| Efficiency ratio | 66.8349% | 4,282 |
| Assets per employee ($millions) | 6.9301% | 768 |
| Cash dividends to net income (ytd only)* | 66.0796% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 3,952 |
| Loan loss allowance to noncurrent loans | 101.8933% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 4,701 |
| Noncurrent loans to loans | 1.4729% | 3,581 |
| Net loans and leases to total assets | 42.0497% | 6,128 |
| Net loans and leases to deposits | 46.0131% | 6,384 |
| Net loans and leases to core deposits | 47.3539% | 6,452 |
| Total domestic deposits to total assets | 91.3865% | 313 |
| Equity capital to assets | 7.6546% | 6,725 |
| Core capital (leverage) ratio | 7.5362% | 6,604 |
| Tier 1 risk-based capital ratio | 20.4710% | 1,640 |
| Total risk-based capital ratio | 21.7161% | 1,610 |
| Memoranda: | ||
| Average total assets | $277,414,250 | 2,316 |
| Average earning assets | $259,773,750 | 2,255 |
| Average equity | $20,676,500 | 3,150 |
| Average total loans | $121,051,750 | 3,093 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1644% | 6,899 |
| Cost of funding earning assets | 0.5667% | 5,175 |
| Net interest margin | 2.5977% | 6,818 |
| Noninterest income to average assets | 0.7806% | 2,286 |
| Noninterest expense to average assets | 2.1601% | 6,105 |
| Loan and lease loss provision to assets | 0.1622% | 3,484 |
| Net operating income to assets | 0.8253% | 3,275 |
| Return on assets (ROA) | 0.8253% | 3,535 |
| Pretax return on assets | 0.8901% | 4,117 |
| Return on Equity (ROE) | 11.1731% | 1,928 |
| Retained earnings to average equity (ytd only) | 3.5617% | 4,225 |
| Net charge-offs to loans | 0.2411% | 3,128 |
| Credit loss provision to net charge-offs | 153.0612% | 1,808 |
| Earnings coverage of net charge-offs (x) | 9.9320% | 2,117 |
| Efficiency ratio | 67.2425% | 4,282 |
| Assets per employee ($millions) | 7.0262% | 719 |
| Cash dividends to net income (ytd only)* | 68.1223% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 3,605 |
| Loan loss allowance to noncurrent loans | 93.5468% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 4,404 |
| Noncurrent loans to loans | 1.7112% | 3,326 |
| Net loans and leases to total assets | 42.8034% | 6,121 |
| Net loans and leases to deposits | 46.6783% | 6,394 |
| Net loans and leases to core deposits | 48.1130% | 6,454 |
| Total domestic deposits to total assets | 91.6986% | 279 |
| Equity capital to assets | 7.4165% | 6,819 |
| Core capital (leverage) ratio | 7.4226% | 6,654 |
| Tier 1 risk-based capital ratio | 19.8012% | 1,757 |
| Total risk-based capital ratio | 21.0578% | 1,722 |
| Memoranda: | ||
| Average total assets | $277,484,000 | 2,316 |
| Average earning assets | $259,768,000 | 2,257 |
| Average equity | $20,495,670 | 3,166 |
| Average total loans | $121,955,670 | 3,092 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2301% | 6,933 |
| Cost of funding earning assets | 0.5855% | 5,246 |
| Net interest margin | 2.6446% | 6,839 |
| Noninterest income to average assets | 0.7486% | 2,408 |
| Noninterest expense to average assets | 2.1327% | 6,195 |
| Loan and lease loss provision to assets | 0.1654% | 3,323 |
| Net operating income to assets | 0.8589% | 3,114 |
| Return on assets (ROA) | 0.8589% | 3,346 |
| Pretax return on assets | 0.9213% | 3,963 |
| Return on Equity (ROE) | 11.6527% | 1,790 |
| Retained earnings to average equity (ytd only) | 4.2320% | 4,053 |
| Net charge-offs to loans | 0.4630% | 1,931 |
| Credit loss provision to net charge-offs | 80.8511% | 2,708 |
| Earnings coverage of net charge-offs (x) | 5.3121% | 2,399 |
| Efficiency ratio | 66.2461% | 4,513 |
| Assets per employee ($millions) | 6.9404% | 779 |
| Cash dividends to net income (ytd only)* | 63.6824% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 4,050 |
| Loan loss allowance to noncurrent loans | 256.5097% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 5,146 |
| Noncurrent loans to loans | 0.5938% | 5,473 |
| Net loans and leases to total assets | 43.1328% | 6,090 |
| Net loans and leases to deposits | 46.9801% | 6,361 |
| Net loans and leases to core deposits | 48.4374% | 6,429 |
| Total domestic deposits to total assets | 91.8106% | 304 |
| Equity capital to assets | 7.3335% | 6,837 |
| Core capital (leverage) ratio | 7.4992% | 6,634 |
| Tier 1 risk-based capital ratio | 19.4157% | 1,866 |
| Total risk-based capital ratio | 20.6809% | 1,827 |
| Memoranda: | ||
| Average total assets | $275,702,000 | 2,340 |
| Average earning assets | $257,577,500 | 2,302 |
| Average equity | $20,321,500 | 3,191 |
| Average total loans | $121,806,000 | 3,111 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3441% | 7,080 |
| Cost of funding earning assets | 0.8079% | 4,810 |
| Net interest margin | 2.5362% | 7,040 |
| Noninterest income to average assets | 0.6818% | 2,711 |
| Noninterest expense to average assets | 2.1001% | 6,495 |
| Loan and lease loss provision to assets | 0.1151% | 5,159 |
| Net operating income to assets | 0.7801% | 3,137 |
| Return on assets (ROA) | 0.7801% | 3,298 |
| Pretax return on assets | 0.8374% | 3,835 |
| Return on Equity (ROE) | 11.0762% | 1,673 |
| Retained earnings to average equity (ytd only) | 4.2904% | 3,128 |
| Net charge-offs to loans | 0.5306% | 2,882 |
| Credit loss provision to net charge-offs | 46.5976% | 5,501 |
| Earnings coverage of net charge-offs (x) | 3.8565% | 3,368 |
| Efficiency ratio | 68.7971% | 4,191 |
| Assets per employee ($millions) | 6.8447% | 797 |
| Cash dividends to net income (ytd only)* | 61.2646% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,826 |
| Loan loss allowance to noncurrent loans | 253.5762% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 5,141 |
| Noncurrent loans to loans | 0.6073% | 5,498 |
| Net loans and leases to total assets | 43.8798% | 6,220 |
| Net loans and leases to deposits | 47.8371% | 6,506 |
| Net loans and leases to core deposits | 49.3540% | 6,563 |
| Total domestic deposits to total assets | 91.7276% | 276 |
| Equity capital to assets | 7.4086% | 6,853 |
| Core capital (leverage) ratio | 7.1013% | 6,832 |
| Tier 1 risk-based capital ratio | 19.0029% | 1,891 |
| Total risk-based capital ratio | 20.2675% | 1,848 |
| Memoranda: | ||
| Average total assets | $273,698,800 | 2,311 |
| Average earning assets | $255,852,000 | 2,262 |
| Average equity | $19,275,600 | 3,245 |
| Average total loans | $127,402,400 | 3,030 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 7,150 |
| Cost of funding earning assets | 0.8411% | 4,843 |
| Net interest margin | 2.5302% | 7,118 |
| Noninterest income to average assets | 0.6757% | 2,737 |
| Noninterest expense to average assets | 2.1207% | 6,469 |
| Loan and lease loss provision to assets | 0.1559% | 4,518 |
| Net operating income to assets | 0.7132% | 3,540 |
| Return on assets (ROA) | 0.7132% | 3,715 |
| Pretax return on assets | 0.7659% | 4,258 |
| Return on Equity (ROE) | 10.2607% | 2,115 |
| Retained earnings to average equity (ytd only) | 4.2753% | 3,685 |
| Net charge-offs to loans | 0.5250% | 2,656 |
| Credit loss provision to net charge-offs | 63.1164% | 4,703 |
| Earnings coverage of net charge-offs (x) | 3.7318% | 3,320 |
| Efficiency ratio | 69.7038% | 4,001 |
| Assets per employee ($millions) | 7.3264% | 632 |
| Cash dividends to net income (ytd only)* | 58.3335% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 3,445 |
| Loan loss allowance to noncurrent loans | 167.1824% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 4,924 |
| Noncurrent loans to loans | 0.9872% | 4,916 |
| Net loans and leases to total assets | 42.8154% | 6,440 |
| Net loans and leases to deposits | 46.5333% | 6,717 |
| Net loans and leases to core deposits | 48.0101% | 6,759 |
| Total domestic deposits to total assets | 92.0103% | 212 |
| Equity capital to assets | 7.1141% | 7,031 |
| Core capital (leverage) ratio | 7.1910% | 6,903 |
| Tier 1 risk-based capital ratio | 18.5644% | 2,075 |
| Total risk-based capital ratio | 19.8314% | 2,022 |
| Memoranda: | ||
| Average total assets | $273,676,250 | 2,329 |
| Average earning assets | $255,999,000 | 2,279 |
| Average equity | $19,023,500 | 3,283 |
| Average total loans | $128,748,750 | 3,031 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 7,193 |
| Cost of funding earning assets | 0.8785% | 4,836 |
| Net interest margin | 2.5633% | 7,146 |
| Noninterest income to average assets | 0.6505% | 2,834 |
| Noninterest expense to average assets | 2.1739% | 6,444 |
| Loan and lease loss provision to assets | 0.1483% | 4,456 |
| Net operating income to assets | 0.6720% | 3,679 |
| Return on assets (ROA) | 0.6720% | 3,798 |
| Pretax return on assets | 0.7217% | 4,308 |
| Return on Equity (ROE) | 9.7477% | 2,210 |
| Retained earnings to average equity (ytd only) | 3.4214% | 4,081 |
| Net charge-offs to loans | 0.5376% | 2,481 |
| Credit loss provision to net charge-offs | 57.1429% | 4,411 |
| Earnings coverage of net charge-offs (x) | 3.3514% | 3,201 |
| Efficiency ratio | 71.4181% | 3,846 |
| Assets per employee ($millions) | 6.9281% | 756 |
| Cash dividends to net income (ytd only)* | 64.9007% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 3,478 |
| Loan loss allowance to noncurrent loans | 115.7895% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.1147% | 4,667 |
| Noncurrent loans to loans | 1.4289% | 4,272 |
| Net loans and leases to total assets | 44.8292% | 6,364 |
| Net loans and leases to deposits | 48.6126% | 6,692 |
| Net loans and leases to core deposits | 50.0986% | 6,751 |
| Total domestic deposits to total assets | 92.2172% | 197 |
| Equity capital to assets | 6.7692% | 7,146 |
| Core capital (leverage) ratio | 6.9398% | 7,020 |
| Tier 1 risk-based capital ratio | 16.8671% | 2,580 |
| Total risk-based capital ratio | 18.1334% | 2,541 |
| Memoranda: | ||
| Average total assets | $269,658,670 | 2,371 |
| Average earning assets | $251,789,330 | 2,318 |
| Average equity | $18,589,000 | 3,320 |
| Average total loans | $130,202,000 | 3,034 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 7,190 |
| Cost of funding earning assets | 0.9009% | 4,917 |
| Net interest margin | 2.6333% | 7,096 |
| Noninterest income to average assets | 0.5972% | 3,189 |
| Noninterest expense to average assets | 2.1871% | 6,450 |
| Loan and lease loss provision to assets | 0.1805% | 3,809 |
| Net operating income to assets | 0.6393% | 3,807 |
| Return on assets (ROA) | 0.6393% | 3,881 |
| Pretax return on assets | 0.6874% | 4,353 |
| Return on Equity (ROE) | 9.1872% | 2,392 |
| Retained earnings to average equity (ytd only) | 4.1721% | 3,664 |
| Net charge-offs to loans | 0.7235% | 1,770 |
| Credit loss provision to net charge-offs | 50.2092% | 3,743 |
| Earnings coverage of net charge-offs (x) | 2.4142% | 3,111 |
| Efficiency ratio | 71.5903% | 3,945 |
| Assets per employee ($millions) | 6.5329% | 915 |
| Cash dividends to net income (ytd only)* | 54.5882% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 3,617 |
| Loan loss allowance to noncurrent loans | 168.3333% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9069% | 5,086 |
| Noncurrent loans to loans | 0.9672% | 5,110 |
| Net loans and leases to total assets | 47.8434% | 6,095 |
| Net loans and leases to deposits | 51.8728% | 6,483 |
| Net loans and leases to core deposits | 53.4445% | 6,593 |
| Total domestic deposits to total assets | 92.2321% | 231 |
| Equity capital to assets | 6.9200% | 7,106 |
| Core capital (leverage) ratio | 7.0959% | 6,960 |
| Tier 1 risk-based capital ratio | 16.3291% | 2,738 |
| Total risk-based capital ratio | 17.5942% | 2,700 |
| Memoranda: | ||
| Average total assets | $265,926,500 | 2,422 |
| Average earning assets | $248,203,500 | 2,366 |
| Average equity | $18,504,000 | 3,327 |
| Average total loans | $132,142,000 | 3,034 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 7,073 |
| Cost of funding earning assets | 1.0301% | 5,532 |
| Net interest margin | 3.0392% | 6,662 |
| Noninterest income to average assets | 0.6805% | 2,960 |
| Noninterest expense to average assets | 2.2860% | 6,397 |
| Loan and lease loss provision to assets | 0.4990% | 3,153 |
| Net operating income to assets | 0.6622% | 3,383 |
| Return on assets (ROA) | 0.6622% | 3,525 |
| Pretax return on assets | 0.7114% | 3,937 |
| Return on Equity (ROE) | 9.1843% | 2,224 |
| Retained earnings to average equity (ytd only) | 3.3918% | 3,498 |
| Net charge-offs to loans | 0.4125% | 3,977 |
| Credit loss provision to net charge-offs | 220.9139% | 1,357 |
| Earnings coverage of net charge-offs (x) | 5.3585% | 2,647 |
| Efficiency ratio | 65.3798% | 5,089 |
| Assets per employee ($millions) | 6.2859% | 1,041 |
| Cash dividends to net income (ytd only)* | 63.0695% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 3,326 |
| Loan loss allowance to noncurrent loans | 416.3569% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 5,805 |
| Noncurrent loans to loans | 0.4014% | 6,245 |
| Net loans and leases to total assets | 49.9140% | 6,174 |
| Net loans and leases to deposits | 54.1610% | 6,598 |
| Net loans and leases to core deposits | 55.9041% | 6,695 |
| Total domestic deposits to total assets | 92.1585% | 250 |
| Equity capital to assets | 6.9972% | 7,112 |
| Core capital (leverage) ratio | 7.1039% | 6,970 |
| Tier 1 risk-based capital ratio | 15.5714% | 2,966 |
| Total risk-based capital ratio | 16.8359% | 2,922 |
| Memoranda: | ||
| Average total assets | $251,885,800 | 2,528 |
| Average earning assets | $233,383,800 | 2,498 |
| Average equity | $18,161,400 | 3,402 |
| Average total loans | $137,934,600 | 2,988 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 7,149 |
| Cost of funding earning assets | 1.0511% | 5,696 |
| Net interest margin | 3.1039% | 6,606 |
| Noninterest income to average assets | 0.6853% | 2,905 |
| Noninterest expense to average assets | 2.3660% | 6,131 |
| Loan and lease loss provision to assets | 0.3386% | 3,894 |
| Net operating income to assets | 0.7924% | 3,034 |
| Return on assets (ROA) | 0.7924% | 3,197 |
| Pretax return on assets | 0.8508% | 3,729 |
| Return on Equity (ROE) | 10.9047% | 1,815 |
| Retained earnings to average equity (ytd only) | 3.1483% | 4,229 |
| Net charge-offs to loans | 0.3292% | 4,017 |
| Credit loss provision to net charge-offs | 184.2566% | 1,968 |
| Earnings coverage of net charge-offs (x) | 6.4723% | 2,518 |
| Efficiency ratio | 66.5461% | 4,740 |
| Assets per employee ($millions) | 5.8455% | 1,356 |
| Cash dividends to net income (ytd only)* | 71.1291% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 4,757 |
| Loan loss allowance to noncurrent loans | 2,390.9091% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 6,173 |
| Noncurrent loans to loans | 0.0560% | 7,102 |
| Net loans and leases to total assets | 52.7267% | 6,009 |
| Net loans and leases to deposits | 57.3554% | 6,518 |
| Net loans and leases to core deposits | 59.0651% | 6,665 |
| Total domestic deposits to total assets | 91.9297% | 202 |
| Equity capital to assets | 7.1185% | 7,299 |
| Core capital (leverage) ratio | 7.1646% | 7,077 |
| Tier 1 risk-based capital ratio | 14.9475% | 3,275 |
| Total risk-based capital ratio | 16.2005% | 3,261 |
| Memoranda: | ||
| Average total assets | $248,855,750 | 2,587 |
| Average earning assets | $230,110,250 | 2,564 |
| Average equity | $18,083,500 | 3,458 |
| Average total loans | $138,914,250 | 3,005 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 7,152 |
| Cost of funding earning assets | 1.0605% | 5,868 |
| Net interest margin | 3.1569% | 6,440 |
| Noninterest income to average assets | 0.6754% | 2,844 |
| Noninterest expense to average assets | 2.3838% | 6,106 |
| Loan and lease loss provision to assets | 0.3308% | 3,752 |
| Net operating income to assets | 0.8209% | 2,874 |
| Return on assets (ROA) | 0.8209% | 3,024 |
| Pretax return on assets | 0.8810% | 3,573 |
| Return on Equity (ROE) | 11.2170% | 1,683 |
| Retained earnings to average equity (ytd only) | 3.2985% | 4,003 |
| Net charge-offs to loans | 0.4405% | 3,223 |
| Credit loss provision to net charge-offs | 132.5733% | 3,039 |
| Earnings coverage of net charge-offs (x) | 4.8567% | 2,823 |
| Efficiency ratio | 66.2975% | 4,928 |
| Assets per employee ($millions) | 5.3941% | 1,712 |
| Cash dividends to net income (ytd only)* | 70.5941% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 5,459 |
| Loan loss allowance to noncurrent loans | 712.0690% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 6,032 |
| Noncurrent loans to loans | 0.1684% | 6,924 |
| Net loans and leases to total assets | 54.8590% | 5,866 |
| Net loans and leases to deposits | 59.8034% | 6,431 |
| Net loans and leases to core deposits | 61.6563% | 6,577 |
| Total domestic deposits to total assets | 91.7321% | 277 |
| Equity capital to assets | 7.3365% | 7,205 |
| Core capital (leverage) ratio | 7.3820% | 6,933 |
| Tier 1 risk-based capital ratio | 14.7565% | 3,288 |
| Total risk-based capital ratio | 16.0151% | 3,260 |
| Memoranda: | ||
| Average total assets | $246,073,670 | 2,639 |
| Average earning assets | $227,625,000 | 2,602 |
| Average equity | $18,008,330 | 3,465 |
| Average total loans | $139,400,670 | 3,026 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 7,179 |
| Cost of funding earning assets | 1.0573% | 6,100 |
| Net interest margin | 3.2126% | 6,259 |
| Noninterest income to average assets | 0.6676% | 2,831 |
| Noninterest expense to average assets | 2.3898% | 6,126 |
| Loan and lease loss provision to assets | 0.3673% | 3,166 |
| Net operating income to assets | 0.8211% | 2,877 |
| Return on assets (ROA) | 0.8211% | 2,970 |
| Pretax return on assets | 0.8815% | 3,531 |
| Return on Equity (ROE) | 11.2336% | 1,711 |
| Retained earnings to average equity (ytd only) | 3.2160% | 4,219 |
| Net charge-offs to loans | 0.1056% | 4,368 |
| Credit loss provision to net charge-offs | 608.1081% | 716 |
| Earnings coverage of net charge-offs (x) | 20.6757% | 1,150 |
| Efficiency ratio | 65.6797% | 5,192 |
| Assets per employee ($millions) | 5.1169% | 2,068 |
| Cash dividends to net income (ytd only)* | 71.3718% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,235 |
| Loan loss allowance to noncurrent loans | 181.2500% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 5,952 |
| Noncurrent loans to loans | 0.6879% | 5,957 |
| Net loans and leases to total assets | 56.1107% | 5,726 |
| Net loans and leases to deposits | 61.1336% | 6,355 |
| Net loans and leases to core deposits | 63.0407% | 6,523 |
| Total domestic deposits to total assets | 91.7838% | 293 |
| Equity capital to assets | 7.3063% | 7,208 |
| Core capital (leverage) ratio | 7.5389% | 6,815 |
| Tier 1 risk-based capital ratio | 14.5218% | 3,363 |
| Total risk-based capital ratio | 15.7808% | 3,328 |
| Memoranda: | ||
| Average total assets | $245,046,000 | 2,697 |
| Average earning assets | $226,605,500 | 2,669 |
| Average equity | $17,910,500 | 3,504 |
| Average total loans | $140,214,500 | 3,073 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 7,107 |
| Cost of funding earning assets | 1.4716% | 5,627 |
| Net interest margin | 3.2479% | 5,937 |
| Noninterest income to average assets | 0.7782% | 2,523 |
| Noninterest expense to average assets | 2.3270% | 6,668 |
| Loan and lease loss provision to assets | 0.4310% | 4,244 |
| Net operating income to assets | 0.9421% | 2,036 |
| Return on assets (ROA) | 0.9421% | 2,091 |
| Pretax return on assets | 1.0109% | 2,555 |
| Return on Equity (ROE) | 13.0678% | 947 |
| Retained earnings to average equity (ytd only) | 8.0256% | 693 |
| Net charge-offs to loans | 0.4799% | 3,861 |
| Credit loss provision to net charge-offs | 148.5549% | 3,142 |
| Earnings coverage of net charge-offs (x) | 4.9697% | 2,735 |
| Efficiency ratio | 61.7421% | 6,197 |
| Assets per employee ($millions) | 4.8896% | 2,351 |
| Cash dividends to net income (ytd only)* | 38.5848% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,893 |
| Loan loss allowance to noncurrent loans | 239.5062% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 6,032 |
| Noncurrent loans to loans | 0.4600% | 6,343 |
| Net loans and leases to total assets | 56.9873% | 5,822 |
| Net loans and leases to deposits | 62.1198% | 6,457 |
| Net loans and leases to core deposits | 71.3964% | 6,691 |
| Total domestic deposits to total assets | 91.7376% | 318 |
| Equity capital to assets | 7.3118% | 7,192 |
| Core capital (leverage) ratio | 7.4575% | 6,829 |
| Tier 1 risk-based capital ratio | 13.8292% | 3,614 |
| Total risk-based capital ratio | 15.0295% | 3,582 |
| Memoranda: | ||
| Average total assets | $238,499,600 | 2,728 |
| Average earning assets | $219,619,000 | 2,709 |
| Average equity | $17,195,000 | 3,634 |
| Average total loans | $144,185,800 | 3,017 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 7,162 |
| Cost of funding earning assets | 1.5658% | 5,564 |
| Net interest margin | 3.2093% | 5,984 |
| Noninterest income to average assets | 0.7797% | 2,548 |
| Noninterest expense to average assets | 2.4286% | 6,319 |
| Loan and lease loss provision to assets | 0.3876% | 3,993 |
| Net operating income to assets | 0.8523% | 2,605 |
| Return on assets (ROA) | 0.8523% | 2,671 |
| Pretax return on assets | 0.9153% | 3,179 |
| Return on Equity (ROE) | 11.8648% | 1,390 |
| Retained earnings to average equity (ytd only) | 8.7948% | 894 |
| Net charge-offs to loans | 0.5489% | 3,036 |
| Credit loss provision to net charge-offs | 115.4104% | 4,401 |
| Earnings coverage of net charge-offs (x) | 3.8794% | 3,354 |
| Efficiency ratio | 65.0837% | 5,538 |
| Assets per employee ($millions) | 5.1187% | 2,006 |
| Cash dividends to net income (ytd only)* | 25.8744% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 6,637 |
| Loan loss allowance to noncurrent loans | 1,029.9213% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 6,564 |
| Noncurrent loans to loans | 0.0902% | 7,259 |
| Net loans and leases to total assets | 57.9733% | 5,898 |
| Net loans and leases to deposits | 63.2786% | 6,562 |
| Net loans and leases to core deposits | 73.2281% | 6,770 |
| Total domestic deposits to total assets | 91.6160% | 237 |
| Equity capital to assets | 7.3045% | 7,425 |
| Core capital (leverage) ratio | 7.2871% | 7,199 |
| Tier 1 risk-based capital ratio | 13.9712% | 3,565 |
| Total risk-based capital ratio | 15.0082% | 3,632 |
| Memoranda: | ||
| Average total assets | $237,004,250 | 2,759 |
| Average earning assets | $217,984,750 | 2,750 |
| Average equity | $17,024,750 | 3,699 |
| Average total loans | $145,013,500 | 3,034 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 7,215 |
| Cost of funding earning assets | 1.6680% | 5,431 |
| Net interest margin | 3.1390% | 6,131 |
| Noninterest income to average assets | 0.7888% | 2,472 |
| Noninterest expense to average assets | 2.4282% | 6,377 |
| Loan and lease loss provision to assets | 0.3367% | 3,923 |
| Net operating income to assets | 0.8405% | 2,697 |
| Return on assets (ROA) | 0.8405% | 2,796 |
| Pretax return on assets | 0.9016% | 3,330 |
| Return on Equity (ROE) | 11.7682% | 1,490 |
| Retained earnings to average equity (ytd only) | 7.1132% | 1,542 |
| Net charge-offs to loans | 0.5709% | 2,619 |
| Credit loss provision to net charge-offs | 94.9761% | 4,775 |
| Earnings coverage of net charge-offs (x) | 3.4928% | 3,421 |
| Efficiency ratio | 66.2272% | 5,512 |
| Assets per employee ($millions) | 4.8487% | 2,259 |
| Cash dividends to net income (ytd only)* | 39.5560% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 7,067 |
| Loan loss allowance to noncurrent loans | 454.3726% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 6,348 |
| Noncurrent loans to loans | 0.1815% | 7,063 |
| Net loans and leases to total assets | 59.2622% | 5,796 |
| Net loans and leases to deposits | 64.5002% | 6,520 |
| Net loans and leases to core deposits | 74.9491% | 6,735 |
| Total domestic deposits to total assets | 91.8791% | 233 |
| Equity capital to assets | 7.0530% | 7,579 |
| Core capital (leverage) ratio | 7.1672% | 7,391 |
| Tier 1 risk-based capital ratio | 13.3182% | 3,926 |
| Total risk-based capital ratio | 14.2487% | 4,066 |
| Memoranda: | ||
| Average total assets | $235,813,000 | 2,796 |
| Average earning assets | $216,184,670 | 2,797 |
| Average equity | $16,842,000 | 3,744 |
| Average total loans | $146,425,000 | 3,038 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 6,973 |
| Cost of funding earning assets | 1.8219% | 5,013 |
| Net interest margin | 3.1604% | 5,982 |
| Noninterest income to average assets | 0.7037% | 2,868 |
| Noninterest expense to average assets | 2.3897% | 6,231 |
| Loan and lease loss provision to assets | 0.2959% | 3,581 |
| Net operating income to assets | 0.8258% | 3,022 |
| Return on assets (ROA) | 0.8258% | 3,177 |
| Pretax return on assets | 0.8860% | 3,765 |
| Return on Equity (ROE) | 11.4877% | 1,815 |
| Retained earnings to average equity (ytd only) | 2.1061% | 4,695 |
| Net charge-offs to loans | 0.6902% | 1,804 |
| Credit loss provision to net charge-offs | 67.7165% | 4,392 |
| Earnings coverage of net charge-offs (x) | 2.7047% | 3,409 |
| Efficiency ratio | 66.9075% | 5,161 |
| Assets per employee ($millions) | 4.7403% | 2,378 |
| Cash dividends to net income (ytd only)* | 81.6667% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 7,241 |
| Loan loss allowance to noncurrent loans | 736.3636% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 6,548 |
| Noncurrent loans to loans | 0.1053% | 7,228 |
| Net loans and leases to total assets | 61.2008% | 5,465 |
| Net loans and leases to deposits | 67.0477% | 6,269 |
| Net loans and leases to core deposits | 79.0374% | 6,456 |
| Total domestic deposits to total assets | 91.2795% | 332 |
| Equity capital to assets | 7.0464% | 7,659 |
| Core capital (leverage) ratio | 7.2231% | 7,458 |
| Tier 1 risk-based capital ratio | 12.6792% | 4,412 |
| Total risk-based capital ratio | 13.5451% | 4,627 |
| Memoranda: | ||
| Average total assets | $232,501,500 | 2,849 |
| Average earning assets | $210,983,000 | 2,867 |
| Average equity | $16,713,500 | 3,790 |
| Average total loans | $147,203,500 | 3,052 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6205% | 7,010 |
| Cost of funding earning assets | 2.4371% | 4,538 |
| Net interest margin | 3.1834% | 6,413 |
| Noninterest income to average assets | 0.9699% | 1,690 |
| Noninterest expense to average assets | 2.2431% | 6,853 |
| Loan and lease loss provision to assets | 0.1731% | 5,173 |
| Net operating income to assets | 1.4061% | 1,214 |
| Return on assets (ROA) | 1.4061% | 1,171 |
| Pretax return on assets | 1.4952% | 1,699 |
| Return on Equity (ROE) | 20.0840% | 367 |
| Retained earnings to average equity (ytd only) | 5.2275% | 1,897 |
| Net charge-offs to loans | 0.2536% | 3,738 |
| Credit loss provision to net charge-offs | 107.3973% | 4,997 |
| Earnings coverage of net charge-offs (x) | 10.3534% | 2,524 |
| Efficiency ratio | 57.3476% | 6,809 |
| Assets per employee ($millions) | 4.8508% | 2,112 |
| Cash dividends to net income (ytd only)* | 73.9717% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 7,027 |
| Loan loss allowance to noncurrent loans | 172.9730% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 5,765 |
| Noncurrent loans to loans | 0.4743% | 5,925 |
| Net loans and leases to total assets | 64.4780% | 5,177 |
| Net loans and leases to deposits | 70.9640% | 6,173 |
| Net loans and leases to core deposits | 82.7882% | 6,395 |
| Total domestic deposits to total assets | 90.8600% | 366 |
| Equity capital to assets | 7.3364% | 7,526 |
| Core capital (leverage) ratio | 7.2481% | 7,471 |
| Tier 1 risk-based capital ratio | 12.5121% | 4,426 |
| Total risk-based capital ratio | 13.4353% | 4,569 |
| Memoranda: | ||
| Average total assets | $226,518,200 | 2,811 |
| Average earning assets | $209,306,200 | 2,781 |
| Average equity | $15,858,400 | 3,960 |
| Average total loans | $143,899,200 | 3,025 |