Home > East Dubuque Savings Bank > Performance and Condition Ratios
East Dubuque Savings Bank, Performance and Condition Ratios
| 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 | 4.3575% | 2,052 |
| Cost of funding earning assets | 0.5377% | 1,907 |
| Net interest margin | 3.8197% | 2,304 |
| Noninterest income to average assets | 0.5975% | 2,757 |
| Noninterest expense to average assets | 2.8822% | 2,904 |
| Loan and lease loss provision to assets | 0.1265% | 1,785 |
| Net operating income to assets | 1.0851% | 2,074 |
| Return on assets (ROA) | 1.0905% | 2,133 |
| Pretax return on assets | 1.1314% | 3,092 |
| Return on Equity (ROE) | 10.8685% | 1,756 |
| Retained earnings to average equity (ytd only) | 5.3366% | 2,692 |
| Net charge-offs to loans | 0.0990% | 2,161 |
| Credit loss provision to net charge-offs | 151.9608% | 1,657 |
| Earnings coverage of net charge-offs (x) | 15.0388% | 2,209 |
| Efficiency ratio | 69.2991% | 3,330 |
| Assets per employee ($millions) | 4.1875% | 3,542 |
| Cash dividends to net income (ytd only)* | 50.8979% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 4,764 |
| Loan loss allowance to noncurrent loans | 204.2336% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 3,670 |
| Noncurrent loans to loans | 0.4883% | 3,891 |
| Net loans and leases to total assets | 85.0457% | 301 |
| Net loans and leases to deposits | 105.8500% | 370 |
| Net loans and leases to core deposits | 115.8770% | 595 |
| Total domestic deposits to total assets | 80.3455% | 4,656 |
| Equity capital to assets | 10.1891% | 3,948 |
| Core capital (leverage) ratio | 10.2282% | 3,333 |
| Tier 1 risk-based capital ratio | 11.5495% | 5,346 |
| Total risk-based capital ratio | 12.5068% | 5,416 |
| Memoranda: | ||
| Average total assets | $163,340,750 | 3,423 |
| Average earning assets | $151,245,750 | 3,409 |
| Average equity | $16,389,500 | 3,644 |
| Average total loans | $137,367,750 | 2,776 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,066 |
| Cost of funding earning assets | 0.5333% | 1,956 |
| Net interest margin | 3.8020% | 2,300 |
| Noninterest income to average assets | 0.6514% | 2,470 |
| Noninterest expense to average assets | 2.9152% | 2,842 |
| Loan and lease loss provision to assets | 0.1347% | 1,629 |
| Net operating income to assets | 1.0799% | 2,010 |
| Return on assets (ROA) | 1.0799% | 2,118 |
| Pretax return on assets | 1.1191% | 3,093 |
| Return on Equity (ROE) | 10.8181% | 1,738 |
| Retained earnings to average equity (ytd only) | 5.9119% | 2,297 |
| Net charge-offs to loans | 0.0909% | 2,119 |
| Credit loss provision to net charge-offs | 177.4194% | 1,356 |
| Earnings coverage of net charge-offs (x) | 16.5161% | 1,905 |
| Efficiency ratio | 69.5154% | 3,411 |
| Assets per employee ($millions) | 4.1871% | 3,490 |
| Cash dividends to net income (ytd only)* | 45.3515% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 4,859 |
| Loan loss allowance to noncurrent loans | 104.2633% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 2,753 |
| Noncurrent loans to loans | 0.9621% | 2,726 |
| Net loans and leases to total assets | 82.1445% | 538 |
| Net loans and leases to deposits | 103.7205% | 467 |
| Net loans and leases to core deposits | 113.2422% | 699 |
| Total domestic deposits to total assets | 79.1979% | 5,051 |
| Equity capital to assets | 9.8320% | 4,243 |
| Core capital (leverage) ratio | 10.2760% | 3,247 |
| Tier 1 risk-based capital ratio | 11.5109% | 5,457 |
| Total risk-based capital ratio | 12.4717% | 5,538 |
| Memoranda: | ||
| Average total assets | $163,350,670 | 3,444 |
| Average earning assets | $151,130,670 | 3,434 |
| Average equity | $16,306,000 | 3,674 |
| Average total loans | $136,394,330 | 2,805 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 1,936 |
| Cost of funding earning assets | 0.5332% | 1,983 |
| Net interest margin | 3.8185% | 2,176 |
| Noninterest income to average assets | 0.6919% | 2,196 |
| Noninterest expense to average assets | 2.9910% | 2,617 |
| Loan and lease loss provision to assets | 0.1116% | 1,852 |
| Net operating income to assets | 1.0838% | 1,924 |
| Return on assets (ROA) | 1.0838% | 2,037 |
| Pretax return on assets | 1.1235% | 2,980 |
| Return on Equity (ROE) | 10.7732% | 1,707 |
| Retained earnings to average equity (ytd only) | 5.8427% | 2,584 |
| Net charge-offs to loans | 0.0740% | 1,966 |
| Credit loss provision to net charge-offs | 180.0000% | 1,127 |
| Earnings coverage of net charge-offs (x) | 19.9200% | 1,432 |
| Efficiency ratio | 70.3638% | 3,417 |
| Assets per employee ($millions) | 3.9451% | 4,070 |
| Cash dividends to net income (ytd only)* | 45.7666% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 5,005 |
| Loan loss allowance to noncurrent loans | 230.7432% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 4,169 |
| Noncurrent loans to loans | 0.4345% | 4,293 |
| Net loans and leases to total assets | 83.3835% | 349 |
| Net loans and leases to deposits | 104.4030% | 356 |
| Net loans and leases to core deposits | 114.0663% | 579 |
| Total domestic deposits to total assets | 79.8670% | 5,080 |
| Equity capital to assets | 10.0971% | 4,022 |
| Core capital (leverage) ratio | 10.3569% | 3,154 |
| Tier 1 risk-based capital ratio | 11.6552% | 5,463 |
| Total risk-based capital ratio | 12.6228% | 5,533 |
| Memoranda: | ||
| Average total assets | $161,284,500 | 3,490 |
| Average earning assets | $149,274,500 | 3,478 |
| Average equity | $16,225,500 | 3,712 |
| Average total loans | $135,105,500 | 2,827 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 1,904 |
| Cost of funding earning assets | 0.5777% | 1,977 |
| Net interest margin | 3.9139% | 2,185 |
| Noninterest income to average assets | 0.5252% | 3,322 |
| Noninterest expense to average assets | 3.0450% | 2,709 |
| Loan and lease loss provision to assets | 0.1238% | 2,117 |
| Net operating income to assets | 0.9558% | 2,597 |
| Return on assets (ROA) | 0.9691% | 2,620 |
| Pretax return on assets | 0.9792% | 3,579 |
| Return on Equity (ROE) | 9.7377% | 2,232 |
| Retained earnings to average equity (ytd only) | -0.9189% | 5,911 |
| Net charge-offs to loans | 0.0785% | 3,370 |
| Credit loss provision to net charge-offs | 191.1765% | 1,292 |
| Earnings coverage of net charge-offs (x) | 16.8235% | 1,982 |
| Efficiency ratio | 73.1992% | 2,984 |
| Assets per employee ($millions) | 3.9224% | 4,116 |
| Cash dividends to net income (ytd only)* | 109.4364% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 5,028 |
| Loan loss allowance to noncurrent loans | 168.7578% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 3,734 |
| Noncurrent loans to loans | 0.5949% | 3,886 |
| Net loans and leases to total assets | 82.4698% | 476 |
| Net loans and leases to deposits | 103.1330% | 470 |
| Net loans and leases to core deposits | 112.7473% | 656 |
| Total domestic deposits to total assets | 79.9646% | 5,027 |
| Equity capital to assets | 10.0230% | 4,083 |
| Core capital (leverage) ratio | 10.1715% | 3,343 |
| Tier 1 risk-based capital ratio | 12.0862% | 5,306 |
| Total risk-based capital ratio | 13.0897% | 5,376 |
| Memoranda: | ||
| Average total assets | $157,473,600 | 3,529 |
| Average earning assets | $145,227,600 | 3,520 |
| Average equity | $15,671,000 | 3,728 |
| Average total loans | $129,936,800 | 2,870 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 1,869 |
| Cost of funding earning assets | 0.5853% | 1,965 |
| Net interest margin | 3.9145% | 2,180 |
| Noninterest income to average assets | 0.5346% | 3,293 |
| Noninterest expense to average assets | 3.0694% | 2,565 |
| Loan and lease loss provision to assets | 0.1490% | 1,680 |
| Net operating income to assets | 0.8929% | 2,944 |
| Return on assets (ROA) | 0.8929% | 3,050 |
| Pretax return on assets | 0.9253% | 3,884 |
| Return on Equity (ROE) | 8.9892% | 2,690 |
| Retained earnings to average equity (ytd only) | -3.3935% | 6,171 |
| Net charge-offs to loans | 0.0807% | 3,046 |
| Credit loss provision to net charge-offs | 224.3590% | 1,159 |
| Earnings coverage of net charge-offs (x) | 16.1790% | 1,998 |
| Efficiency ratio | 73.6442% | 2,879 |
| Assets per employee ($millions) | 4.0181% | 3,836 |
| Cash dividends to net income (ytd only)* | 137.7505% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 5,188 |
| Loan loss allowance to noncurrent loans | 151.8560% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 3,543 |
| Noncurrent loans to loans | 0.6633% | 3,953 |
| Net loans and leases to total assets | 82.5471% | 456 |
| Net loans and leases to deposits | 101.6285% | 517 |
| Net loans and leases to core deposits | 112.0956% | 658 |
| Total domestic deposits to total assets | 81.2243% | 4,763 |
| Equity capital to assets | 9.8548% | 4,348 |
| Core capital (leverage) ratio | 10.0226% | 3,649 |
| Tier 1 risk-based capital ratio | 11.8072% | 5,609 |
| Total risk-based capital ratio | 12.8071% | 5,687 |
| Memoranda: | ||
| Average total assets | $156,637,000 | 3,570 |
| Average earning assets | $144,416,000 | 3,566 |
| Average equity | $15,559,000 | 3,759 |
| Average total loans | $128,927,750 | 2,894 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,845 |
| Cost of funding earning assets | 0.5916% | 1,965 |
| Net interest margin | 3.9033% | 2,150 |
| Noninterest income to average assets | 0.6402% | 2,601 |
| Noninterest expense to average assets | 3.0926% | 2,530 |
| Loan and lease loss provision to assets | 0.1288% | 1,916 |
| Net operating income to assets | 0.9776% | 2,422 |
| Return on assets (ROA) | 0.9776% | 2,501 |
| Pretax return on assets | 1.0137% | 3,428 |
| Return on Equity (ROE) | 9.8153% | 2,237 |
| Retained earnings to average equity (ytd only) | -8.8713% | 6,396 |
| Net charge-offs to loans | 0.0409% | 3,413 |
| Credit loss provision to net charge-offs | 384.6154% | 713 |
| Earnings coverage of net charge-offs (x) | 34.1154% | 1,172 |
| Efficiency ratio | 72.5973% | 3,226 |
| Assets per employee ($millions) | 3.8016% | 4,252 |
| Cash dividends to net income (ytd only)* | 190.3821% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,294 |
| Loan loss allowance to noncurrent loans | 158.6124% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 3,730 |
| Noncurrent loans to loans | 0.6383% | 4,113 |
| Net loans and leases to total assets | 81.1974% | 554 |
| Net loans and leases to deposits | 99.7976% | 566 |
| Net loans and leases to core deposits | 110.9004% | 656 |
| Total domestic deposits to total assets | 81.3621% | 4,854 |
| Equity capital to assets | 9.7164% | 4,464 |
| Core capital (leverage) ratio | 9.9796% | 3,645 |
| Tier 1 risk-based capital ratio | 11.7725% | 5,651 |
| Total risk-based capital ratio | 12.7704% | 5,742 |
| Memoranda: | ||
| Average total assets | $155,274,670 | 3,605 |
| Average earning assets | $143,006,330 | 3,606 |
| Average equity | $15,465,670 | 3,777 |
| Average total loans | $127,229,330 | 2,920 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 1,795 |
| Cost of funding earning assets | 0.5873% | 2,096 |
| Net interest margin | 3.9182% | 2,024 |
| Noninterest income to average assets | 0.5487% | 3,057 |
| Noninterest expense to average assets | 3.0965% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0217% | 2,119 |
| Return on assets (ROA) | 1.0217% | 2,189 |
| Pretax return on assets | 1.0609% | 3,082 |
| Return on Equity (ROE) | 10.1285% | 1,985 |
| Retained earnings to average equity (ytd only) | -27.3030% | 6,606 |
| Net charge-offs to loans | -0.0415% | 5,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0415% | 3,134 |
| Assets per employee ($millions) | 3.5603% | 4,806 |
| Cash dividends to net income (ytd only)* | 369.5652% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 5,483 |
| Loan loss allowance to noncurrent loans | 152.1635% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 3,743 |
| Noncurrent loans to loans | 0.6627% | 4,209 |
| Net loans and leases to total assets | 81.1738% | 438 |
| Net loans and leases to deposits | 92.7362% | 899 |
| Net loans and leases to core deposits | 106.3098% | 745 |
| Total domestic deposits to total assets | 87.5319% | 2,490 |
| Equity capital to assets | 9.7874% | 4,123 |
| Core capital (leverage) ratio | 10.0935% | 3,437 |
| Tier 1 risk-based capital ratio | 11.9851% | 5,656 |
| Total risk-based capital ratio | 12.9789% | 5,739 |
| Memoranda: | ||
| Average total assets | $153,077,500 | 3,664 |
| Average earning assets | $140,982,500 | 3,651 |
| Average equity | $15,441,500 | 3,787 |
| Average total loans | $125,357,500 | 2,967 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 1,314 |
| Cost of funding earning assets | 0.7609% | 1,434 |
| Net interest margin | 4.0390% | 1,839 |
| Noninterest income to average assets | 0.6756% | 2,673 |
| Noninterest expense to average assets | 3.3035% | 2,138 |
| Loan and lease loss provision to assets | 0.2054% | 1,807 |
| Net operating income to assets | 0.8503% | 3,032 |
| Return on assets (ROA) | 0.8503% | 3,110 |
| Pretax return on assets | 0.8810% | 3,842 |
| Return on Equity (ROE) | 8.5149% | 2,775 |
| Retained earnings to average equity (ytd only) | 7.3264% | 1,304 |
| Net charge-offs to loans | 0.0424% | 4,623 |
| Credit loss provision to net charge-offs | 605.7692% | 386 |
| Earnings coverage of net charge-offs (x) | 32.0385% | 1,118 |
| Efficiency ratio | 74.8217% | 2,983 |
| Assets per employee ($millions) | 3.4786% | 4,944 |
| Cash dividends to net income (ytd only)* | 13.9571% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 5,559 |
| Loan loss allowance to noncurrent loans | 181.5942% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 4,073 |
| Noncurrent loans to loans | 0.5512% | 4,611 |
| Net loans and leases to total assets | 80.9637% | 499 |
| Net loans and leases to deposits | 92.3902% | 1,014 |
| Net loans and leases to core deposits | 105.5742% | 817 |
| Total domestic deposits to total assets | 87.6323% | 2,404 |
| Equity capital to assets | 10.3874% | 3,300 |
| Core capital (leverage) ratio | 10.6706% | 2,701 |
| Tier 1 risk-based capital ratio | 12.8128% | 5,109 |
| Total risk-based capital ratio | 13.7969% | 5,217 |
| Memoranda: | ||
| Average total assets | $153,351,000 | 3,650 |
| Average earning assets | $141,023,600 | 3,651 |
| Average equity | $15,314,400 | 3,812 |
| Average total loans | $122,716,000 | 2,989 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 1,199 |
| Cost of funding earning assets | 0.8090% | 1,274 |
| Net interest margin | 4.0594% | 1,759 |
| Noninterest income to average assets | 0.6926% | 2,649 |
| Noninterest expense to average assets | 3.3127% | 2,046 |
| Loan and lease loss provision to assets | 0.2607% | 1,357 |
| Net operating income to assets | 0.8221% | 3,244 |
| Return on assets (ROA) | 0.8221% | 3,359 |
| Pretax return on assets | 0.8516% | 4,087 |
| Return on Equity (ROE) | 8.3154% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.7156% | 2,021 |
| Net charge-offs to loans | 0.0590% | 4,063 |
| Credit loss provision to net charge-offs | 555.5556% | 503 |
| Earnings coverage of net charge-offs (x) | 23.7031% | 1,456 |
| Efficiency ratio | 74.4501% | 2,991 |
| Assets per employee ($millions) | 3.4404% | 4,970 |
| Cash dividends to net income (ytd only)* | 19.2389% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 5,713 |
| Loan loss allowance to noncurrent loans | 183.9286% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 4,278 |
| Noncurrent loans to loans | 0.5440% | 4,835 |
| Net loans and leases to total assets | 80.7825% | 476 |
| Net loans and leases to deposits | 92.8337% | 911 |
| Net loans and leases to core deposits | 102.1049% | 990 |
| Total domestic deposits to total assets | 87.0186% | 2,683 |
| Equity capital to assets | 10.2241% | 3,607 |
| Core capital (leverage) ratio | 10.4508% | 3,060 |
| Tier 1 risk-based capital ratio | 12.8260% | 5,242 |
| Total risk-based capital ratio | 13.8200% | 5,358 |
| Memoranda: | ||
| Average total assets | $153,423,750 | 3,684 |
| Average earning assets | $141,068,000 | 3,685 |
| Average equity | $15,168,250 | 3,884 |
| Average total loans | $122,101,000 | 3,020 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 1,540 |
| Cost of funding earning assets | 0.8528% | 1,126 |
| Net interest margin | 3.8561% | 2,356 |
| Noninterest income to average assets | 0.7203% | 2,550 |
| Noninterest expense to average assets | 3.3198% | 2,019 |
| Loan and lease loss provision to assets | 0.2920% | 1,242 |
| Net operating income to assets | 0.6307% | 4,154 |
| Return on assets (ROA) | 0.6307% | 4,307 |
| Pretax return on assets | 0.6528% | 4,832 |
| Return on Equity (ROE) | 6.4519% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.0358% | 3,733 |
| Net charge-offs to loans | -0.0839% | 6,452 |
| Credit loss provision to net charge-offs | -441.1765% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,557 |
| Assets per employee ($millions) | 3.4208% | 5,015 |
| Cash dividends to net income (ytd only)* | 37.4486% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 5,773 |
| Loan loss allowance to noncurrent loans | 101.2800% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 3,525 |
| Noncurrent loans to loans | 0.9983% | 3,938 |
| Net loans and leases to total assets | 80.5181% | 486 |
| Net loans and leases to deposits | 94.8071% | 758 |
| Net loans and leases to core deposits | 102.8358% | 894 |
| Total domestic deposits to total assets | 84.9283% | 3,919 |
| Equity capital to assets | 9.7630% | 4,225 |
| Core capital (leverage) ratio | 10.0098% | 3,496 |
| Tier 1 risk-based capital ratio | 12.2896% | 5,629 |
| Total risk-based capital ratio | 13.2946% | 5,720 |
| Memoranda: | ||
| Average total assets | $154,105,670 | 3,701 |
| Average earning assets | $141,647,000 | 3,701 |
| Average equity | $15,065,330 | 3,933 |
| Average total loans | $121,627,000 | 3,033 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,581 |
| Cost of funding earning assets | 0.8920% | 1,025 |
| Net interest margin | 3.7915% | 2,480 |
| Noninterest income to average assets | 0.6460% | 2,899 |
| Noninterest expense to average assets | 3.3050% | 2,077 |
| Loan and lease loss provision to assets | 0.4540% | 625 |
| Net operating income to assets | 0.3502% | 5,348 |
| Return on assets (ROA) | 0.3502% | 5,492 |
| Pretax return on assets | 0.3606% | 5,678 |
| Return on Equity (ROE) | 3.5801% | 5,303 |
| Retained earnings to average equity (ytd only) | -1.2464% | 5,984 |
| Net charge-offs to loans | -0.2570% | 6,738 |
| Credit loss provision to net charge-offs | -227.2727% | 5,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7859% | 2,365 |
| Assets per employee ($millions) | 3.4986% | 4,985 |
| Cash dividends to net income (ytd only)* | 134.8148% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 5,805 |
| Loan loss allowance to noncurrent loans | 55.4217% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.8419% | 2,556 |
| Noncurrent loans to loans | 1.8886% | 2,749 |
| Net loans and leases to total assets | 78.0479% | 604 |
| Net loans and leases to deposits | 92.1524% | 789 |
| Net loans and leases to core deposits | 99.9370% | 952 |
| Total domestic deposits to total assets | 84.6943% | 4,182 |
| Equity capital to assets | 9.9886% | 4,165 |
| Core capital (leverage) ratio | 9.9877% | 3,400 |
| Tier 1 risk-based capital ratio | 12.6361% | 5,481 |
| Total risk-based capital ratio | 13.6738% | 5,570 |
| Memoranda: | ||
| Average total assets | $154,189,500 | 3,739 |
| Average earning assets | $141,262,000 | 3,743 |
| Average equity | $15,083,500 | 3,982 |
| Average total loans | $119,833,500 | 3,088 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 1,195 |
| Cost of funding earning assets | 1.2185% | 534 |
| Net interest margin | 3.9375% | 2,661 |
| Noninterest income to average assets | 0.6076% | 3,239 |
| Noninterest expense to average assets | 3.1316% | 2,840 |
| Loan and lease loss provision to assets | 0.8818% | 518 |
| Net operating income to assets | 0.1573% | 5,872 |
| Return on assets (ROA) | 0.3403% | 5,549 |
| Pretax return on assets | 0.3502% | 5,715 |
| Return on Equity (ROE) | 3.6325% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.0144% | 4,809 |
| Net charge-offs to loans | 2.1859% | 312 |
| Credit loss provision to net charge-offs | 52.9150% | 4,622 |
| Earnings coverage of net charge-offs (x) | 0.6261% | 5,173 |
| Efficiency ratio | 74.5813% | 2,977 |
| Assets per employee ($millions) | 3.4334% | 5,140 |
| Cash dividends to net income (ytd only)* | 44.5455% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 6,451 |
| Loan loss allowance to noncurrent loans | 51.9685% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5759% | 3,023 |
| Noncurrent loans to loans | 1.5743% | 3,257 |
| Net loans and leases to total assets | 75.9912% | 912 |
| Net loans and leases to deposits | 89.6715% | 1,101 |
| Net loans and leases to core deposits | 98.5572% | 1,105 |
| Total domestic deposits to total assets | 84.7440% | 3,970 |
| Equity capital to assets | 9.5860% | 4,768 |
| Core capital (leverage) ratio | 9.5901% | 3,980 |
| Tier 1 risk-based capital ratio | 12.4073% | 5,538 |
| Total risk-based capital ratio | 13.2174% | 5,766 |
| Memoranda: | ||
| Average total assets | $161,609,600 | 3,594 |
| Average earning assets | $146,412,000 | 3,618 |
| Average equity | $15,141,200 | 3,933 |
| Average total loans | $123,196,000 | 3,020 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 1,153 |
| Cost of funding earning assets | 1.2816% | 480 |
| Net interest margin | 3.9390% | 2,760 |
| Noninterest income to average assets | 0.7498% | 2,488 |
| Noninterest expense to average assets | 3.1100% | 2,857 |
| Loan and lease loss provision to assets | 1.1690% | 313 |
| Net operating income to assets | 0.0325% | 6,234 |
| Return on assets (ROA) | 0.1657% | 6,144 |
| Pretax return on assets | 0.1682% | 6,175 |
| Return on Equity (ROE) | 1.7788% | 6,083 |
| Retained earnings to average equity (ytd only) | -0.3786% | 6,162 |
| Net charge-offs to loans | 2.4620% | 255 |
| Credit loss provision to net charge-offs | 62.3632% | 4,091 |
| Earnings coverage of net charge-offs (x) | 0.6416% | 4,999 |
| Efficiency ratio | 71.7139% | 3,375 |
| Assets per employee ($millions) | 3.4075% | 5,190 |
| Cash dividends to net income (ytd only)* | 121.2862% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,458 |
| Loan loss allowance to noncurrent loans | 49.2080% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.4414% | 2,167 |
| Noncurrent loans to loans | 2.3665% | 2,437 |
| Net loans and leases to total assets | 74.0862% | 1,236 |
| Net loans and leases to deposits | 88.3755% | 1,307 |
| Net loans and leases to core deposits | 97.8565% | 1,277 |
| Total domestic deposits to total assets | 83.8312% | 4,305 |
| Equity capital to assets | 9.4091% | 5,318 |
| Core capital (leverage) ratio | 9.2691% | 4,647 |
| Tier 1 risk-based capital ratio | 12.1239% | 5,869 |
| Total risk-based capital ratio | 13.2684% | 5,913 |
| Memoranda: | ||
| Average total assets | $162,527,500 | 3,608 |
| Average earning assets | $147,003,500 | 3,644 |
| Average equity | $15,141,500 | 3,966 |
| Average total loans | $123,742,750 | 3,038 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 1,252 |
| Cost of funding earning assets | 1.3318% | 460 |
| Net interest margin | 3.8676% | 3,052 |
| Noninterest income to average assets | 0.6784% | 2,781 |
| Noninterest expense to average assets | 3.2121% | 2,550 |
| Loan and lease loss provision to assets | 0.6123% | 959 |
| Net operating income to assets | 0.3587% | 5,384 |
| Return on assets (ROA) | 0.5535% | 4,845 |
| Pretax return on assets | 0.5719% | 5,242 |
| Return on Equity (ROE) | 5.9608% | 4,346 |
| Retained earnings to average equity (ytd only) | 2.7298% | 4,802 |
| Net charge-offs to loans | 0.2080% | 3,324 |
| Credit loss provision to net charge-offs | 384.6154% | 771 |
| Earnings coverage of net charge-offs (x) | 6.1769% | 2,682 |
| Efficiency ratio | 76.1529% | 2,716 |
| Assets per employee ($millions) | 3.2902% | 5,462 |
| Cash dividends to net income (ytd only)* | 54.2035% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0530% | 2,107 |
| Loan loss allowance to noncurrent loans | 47.6173% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 4.0553% | 1,254 |
| Noncurrent loans to loans | 4.3115% | 1,250 |
| Net loans and leases to total assets | 77.7679% | 751 |
| Net loans and leases to deposits | 94.2586% | 746 |
| Net loans and leases to core deposits | 103.8189% | 873 |
| Total domestic deposits to total assets | 82.5049% | 4,951 |
| Equity capital to assets | 9.3715% | 5,230 |
| Core capital (leverage) ratio | 9.3206% | 4,424 |
| Tier 1 risk-based capital ratio | 11.7191% | 6,098 |
| Total risk-based capital ratio | 13.0528% | 6,031 |
| Memoranda: | ||
| Average total assets | $163,318,670 | 3,609 |
| Average earning assets | $148,516,330 | 3,631 |
| Average equity | $15,165,670 | 3,955 |
| Average total loans | $124,973,670 | 3,027 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 1,223 |
| Cost of funding earning assets | 1.4034% | 423 |
| Net interest margin | 3.8392% | 3,193 |
| Noninterest income to average assets | 0.7495% | 2,402 |
| Noninterest expense to average assets | 3.1807% | 2,667 |
| Loan and lease loss provision to assets | 0.2434% | 2,520 |
| Net operating income to assets | 0.7714% | 3,519 |
| Return on assets (ROA) | 1.0854% | 2,335 |
| Pretax return on assets | 1.1243% | 3,222 |
| Return on Equity (ROE) | 11.7415% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.7415% | 867 |
| Net charge-offs to loans | 0.3434% | 2,275 |
| Credit loss provision to net charge-offs | 94.3396% | 2,471 |
| Earnings coverage of net charge-offs (x) | 4.0472% | 2,681 |
| Efficiency ratio | 74.8848% | 2,961 |
| Assets per employee ($millions) | 3.4142% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 2,890 |
| Loan loss allowance to noncurrent loans | 41.2725% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 4.0267% | 1,362 |
| Noncurrent loans to loans | 4.4332% | 1,327 |
| Net loans and leases to total assets | 73.6968% | 1,113 |
| Net loans and leases to deposits | 89.7555% | 987 |
| Net loans and leases to core deposits | 99.2611% | 1,035 |
| Total domestic deposits to total assets | 82.1084% | 5,259 |
| Equity capital to assets | 9.3916% | 4,973 |
| Core capital (leverage) ratio | 9.4143% | 4,176 |
| Tier 1 risk-based capital ratio | 12.0066% | 5,959 |
| Total risk-based capital ratio | 13.3350% | 5,882 |
| Memoranda: | ||
| Average total assets | $164,367,000 | 3,612 |
| Average earning assets | $148,779,500 | 3,642 |
| Average equity | $15,194,000 | 3,954 |
| Average total loans | $123,457,000 | 3,074 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5092% | 1,152 |
| Cost of funding earning assets | 1.7570% | 254 |
| Net interest margin | 3.7522% | 4,071 |
| Noninterest income to average assets | 0.4692% | 4,062 |
| Noninterest expense to average assets | 3.0369% | 3,459 |
| Loan and lease loss provision to assets | 0.3376% | 2,994 |
| Net operating income to assets | 0.5335% | 4,296 |
| Return on assets (ROA) | 0.6207% | 4,080 |
| Pretax return on assets | 0.6430% | 4,543 |
| Return on Equity (ROE) | 7.3390% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.3390% | 1,346 |
| Net charge-offs to loans | 0.9293% | 1,870 |
| Credit loss provision to net charge-offs | 48.0769% | 5,467 |
| Earnings coverage of net charge-offs (x) | 1.2684% | 4,829 |
| Efficiency ratio | 76.8874% | 2,759 |
| Assets per employee ($millions) | 3.5838% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 2,795 |
| Loan loss allowance to noncurrent loans | 62.6874% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.9414% | 2,042 |
| Noncurrent loans to loans | 2.9075% | 2,247 |
| Net loans and leases to total assets | 73.7809% | 1,309 |
| Net loans and leases to deposits | 91.7491% | 989 |
| Net loans and leases to core deposits | 100.4484% | 1,140 |
| Total domestic deposits to total assets | 80.4159% | 5,619 |
| Equity capital to assets | 9.0972% | 5,414 |
| Core capital (leverage) ratio | 8.9216% | 4,900 |
| Tier 1 risk-based capital ratio | 11.6085% | 6,084 |
| Total risk-based capital ratio | 13.3884% | 5,714 |
| Memoranda: | ||
| Average total assets | $170,303,600 | 3,485 |
| Average earning assets | $156,974,600 | 3,452 |
| Average equity | $14,402,600 | 4,030 |
| Average total loans | $128,704,000 | 3,001 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5705% | 1,098 |
| Cost of funding earning assets | 1.8274% | 238 |
| Net interest margin | 3.7431% | 4,142 |
| Noninterest income to average assets | 0.4613% | 4,210 |
| Noninterest expense to average assets | 2.9413% | 3,770 |
| Loan and lease loss provision to assets | 0.2136% | 3,885 |
| Net operating income to assets | 0.7395% | 3,431 |
| Return on assets (ROA) | 0.8528% | 3,086 |
| Pretax return on assets | 0.8846% | 3,825 |
| Return on Equity (ROE) | 10.2705% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.2705% | 774 |
| Net charge-offs to loans | 1.1700% | 1,345 |
| Credit loss provision to net charge-offs | 24.1228% | 5,505 |
| Earnings coverage of net charge-offs (x) | 1.1070% | 4,802 |
| Efficiency ratio | 74.5890% | 3,069 |
| Assets per employee ($millions) | 3.4058% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 3,541 |
| Loan loss allowance to noncurrent loans | 81.3737% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 2.3306% | 2,751 |
| Noncurrent loans to loans | 2.0004% | 3,365 |
| Net loans and leases to total assets | 74.4528% | 1,242 |
| Net loans and leases to deposits | 93.5161% | 878 |
| Net loans and leases to core deposits | 104.3287% | 960 |
| Total domestic deposits to total assets | 79.6150% | 5,842 |
| Equity capital to assets | 9.1866% | 5,529 |
| Core capital (leverage) ratio | 8.8997% | 5,103 |
| Tier 1 risk-based capital ratio | 11.6720% | 6,126 |
| Total risk-based capital ratio | 13.4467% | 5,728 |
| Memoranda: | ||
| Average total assets | $171,666,250 | 3,486 |
| Average earning assets | $158,688,000 | 3,456 |
| Average equity | $14,254,000 | 4,080 |
| Average total loans | $129,908,000 | 3,009 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 1,260 |
| Cost of funding earning assets | 1.8732% | 235 |
| Net interest margin | 3.6460% | 4,538 |
| Noninterest income to average assets | 0.3796% | 4,849 |
| Noninterest expense to average assets | 2.9209% | 3,940 |
| Loan and lease loss provision to assets | 0.1720% | 4,207 |
| Net operating income to assets | 0.6404% | 3,850 |
| Return on assets (ROA) | 0.6525% | 3,912 |
| Pretax return on assets | 0.6766% | 4,473 |
| Return on Equity (ROE) | 8.1290% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.1290% | 1,414 |
| Net charge-offs to loans | 1.3003% | 1,180 |
| Credit loss provision to net charge-offs | 17.4825% | 5,169 |
| Earnings coverage of net charge-offs (x) | 0.8497% | 4,663 |
| Efficiency ratio | 77.3199% | 2,808 |
| Assets per employee ($millions) | 3.5135% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 3,323 |
| Loan loss allowance to noncurrent loans | 95.8517% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 2.0884% | 3,130 |
| Noncurrent loans to loans | 1.7745% | 3,789 |
| Net loans and leases to total assets | 74.4315% | 1,338 |
| Net loans and leases to deposits | 93.1127% | 938 |
| Net loans and leases to core deposits | 106.8151% | 879 |
| Total domestic deposits to total assets | 79.9370% | 5,842 |
| Equity capital to assets | 8.6392% | 6,012 |
| Core capital (leverage) ratio | 8.3488% | 5,788 |
| Tier 1 risk-based capital ratio | 10.9302% | 6,584 |
| Total risk-based capital ratio | 12.6872% | 6,207 |
| Memoranda: | ||
| Average total assets | $174,395,670 | 3,458 |
| Average earning assets | $161,545,330 | 3,416 |
| Average equity | $13,999,330 | 4,125 |
| Average total loans | $131,968,000 | 3,004 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 1,450 |
| Cost of funding earning assets | 1.9209% | 227 |
| Net interest margin | 3.5185% | 4,922 |
| Noninterest income to average assets | 0.3159% | 5,403 |
| Noninterest expense to average assets | 2.9492% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6092% | 3,988 |
| Return on assets (ROA) | 0.6092% | 4,055 |
| Pretax return on assets | 0.6318% | 4,564 |
| Return on Equity (ROE) | 7.8752% | 2,971 |
| Retained earnings to average equity (ytd only) | 7.8752% | 1,785 |
| Net charge-offs to loans | 0.7934% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.0526% | 3,873 |
| Efficiency ratio | 81.9156% | 2,243 |
| Assets per employee ($millions) | 3.6894% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 2,477 |
| Loan loss allowance to noncurrent loans | 64.7671% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.1961% | 2,155 |
| Noncurrent loans to loans | 3.0499% | 2,463 |
| Net loans and leases to total assets | 74.8080% | 1,220 |
| Net loans and leases to deposits | 92.7212% | 953 |
| Net loans and leases to core deposits | 111.0486% | 681 |
| Total domestic deposits to total assets | 80.6805% | 5,759 |
| Equity capital to assets | 8.0502% | 6,453 |
| Core capital (leverage) ratio | 7.8669% | 6,399 |
| Tier 1 risk-based capital ratio | 10.3423% | 6,889 |
| Total risk-based capital ratio | 12.2971% | 6,463 |
| Memoranda: | ||
| Average total assets | $177,269,000 | 3,426 |
| Average earning assets | $164,503,000 | 3,381 |
| Average equity | $13,714,000 | 4,167 |
| Average total loans | $134,102,000 | 3,006 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4565% | 2,452 |
| Cost of funding earning assets | 2.1545% | 355 |
| Net interest margin | 3.3019% | 5,968 |
| Noninterest income to average assets | 0.9312% | 1,737 |
| Noninterest expense to average assets | 2.7728% | 4,696 |
| Loan and lease loss provision to assets | 0.8405% | 1,954 |
| Net operating income to assets | 0.3488% | 4,746 |
| Return on assets (ROA) | 0.4269% | 4,568 |
| Pretax return on assets | 0.4417% | 4,819 |
| Return on Equity (ROE) | 6.3536% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.3536% | 1,637 |
| Net charge-offs to loans | 1.2300% | 1,821 |
| Credit loss provision to net charge-offs | 88.8530% | 5,178 |
| Earnings coverage of net charge-offs (x) | 1.2703% | 4,834 |
| Efficiency ratio | 69.3925% | 4,298 |
| Assets per employee ($millions) | 6.0379% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1196% | 2,025 |
| Loan loss allowance to noncurrent loans | 58.7276% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 3.6066% | 1,908 |
| Noncurrent loans to loans | 3.6093% | 2,074 |
| Net loans and leases to total assets | 73.4208% | 1,784 |
| Net loans and leases to deposits | 89.8061% | 1,553 |
| Net loans and leases to core deposits | 108.2687% | 1,025 |
| Total domestic deposits to total assets | 81.7548% | 5,264 |
| Equity capital to assets | 7.4358% | 6,913 |
| Core capital (leverage) ratio | 7.4634% | 6,732 |
| Tier 1 risk-based capital ratio | 9.7487% | 7,067 |
| Total risk-based capital ratio | 11.6702% | 6,729 |
| Memoranda: | ||
| Average total assets | $196,301,200 | 3,145 |
| Average earning assets | $180,923,400 | 3,112 |
| Average equity | $13,189,400 | 4,329 |
| Average total loans | $150,977,000 | 2,759 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4674% | 2,570 |
| Cost of funding earning assets | 2.2064% | 377 |
| Net interest margin | 3.2610% | 6,140 |
| Noninterest income to average assets | 1.0975% | 1,174 |
| Noninterest expense to average assets | 2.8233% | 4,385 |
| Loan and lease loss provision to assets | 1.0995% | 1,323 |
| Net operating income to assets | 0.1682% | 5,597 |
| Return on assets (ROA) | 0.2432% | 5,535 |
| Pretax return on assets | 0.2519% | 5,611 |
| Return on Equity (ROE) | 3.7094% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.7094% | 3,852 |
| Net charge-offs to loans | 1.5844% | 1,250 |
| Credit loss provision to net charge-offs | 89.7227% | 4,777 |
| Earnings coverage of net charge-offs (x) | 1.0397% | 5,021 |
| Efficiency ratio | 68.5640% | 4,361 |
| Assets per employee ($millions) | 3.9223% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 2,094 |
| Loan loss allowance to noncurrent loans | 54.0571% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.8401% | 1,846 |
| Noncurrent loans to loans | 3.7974% | 2,034 |
| Net loans and leases to total assets | 75.0106% | 1,586 |
| Net loans and leases to deposits | 91.9420% | 1,456 |
| Net loans and leases to core deposits | 112.2094% | 922 |
| Total domestic deposits to total assets | 81.5846% | 5,165 |
| Equity capital to assets | 7.2527% | 7,246 |
| Core capital (leverage) ratio | 6.9559% | 7,187 |
| Tier 1 risk-based capital ratio | 8.8917% | 7,381 |
| Total risk-based capital ratio | 10.7433% | 7,255 |
| Memoranda: | ||
| Average total assets | $200,092,000 | 3,137 |
| Average earning assets | $184,067,250 | 3,121 |
| Average equity | $13,119,500 | 4,413 |
| Average total loans | $154,753,000 | 2,732 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 2,704 |
| Cost of funding earning assets | 2.2257% | 429 |
| Net interest margin | 3.2337% | 6,210 |
| Noninterest income to average assets | 1.6090% | 503 |
| Noninterest expense to average assets | 2.7447% | 4,719 |
| Loan and lease loss provision to assets | 1.5584% | 842 |
| Net operating income to assets | 0.2727% | 5,286 |
| Return on assets (ROA) | 0.2727% | 5,435 |
| Pretax return on assets | 0.2805% | 5,562 |
| Return on Equity (ROE) | 4.2958% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.2958% | 3,346 |
| Net charge-offs to loans | 1.3900% | 1,374 |
| Credit loss provision to net charge-offs | 144.5348% | 2,749 |
| Earnings coverage of net charge-offs (x) | 1.7055% | 4,227 |
| Efficiency ratio | 59.5835% | 6,124 |
| Assets per employee ($millions) | 4.1031% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3801% | 1,455 |
| Loan loss allowance to noncurrent loans | 69.8478% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 3.7729% | 1,849 |
| Noncurrent loans to loans | 3.4075% | 2,337 |
| Net loans and leases to total assets | 76.1195% | 1,475 |
| Net loans and leases to deposits | 93.7616% | 1,307 |
| Net loans and leases to core deposits | 114.1121% | 918 |
| Total domestic deposits to total assets | 81.1841% | 5,339 |
| Equity capital to assets | 6.9879% | 7,355 |
| Core capital (leverage) ratio | 6.5172% | 7,379 |
| Tier 1 risk-based capital ratio | 8.2998% | 7,501 |
| Total risk-based capital ratio | 10.1074% | 7,452 |
| Memoranda: | ||
| Average total assets | $205,340,670 | 3,100 |
| Average earning assets | $188,884,000 | 3,083 |
| Average equity | $13,036,000 | 4,432 |
| Average total loans | $159,278,330 | 2,705 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4375% | 2,872 |
| Cost of funding earning assets | 2.2431% | 511 |
| Net interest margin | 3.1944% | 6,310 |
| Noninterest income to average assets | 0.1342% | 7,014 |
| Noninterest expense to average assets | 2.5616% | 5,510 |
| Loan and lease loss provision to assets | 1.4179% | 839 |
| Net operating income to assets | -0.8810% | 7,053 |
| Return on assets (ROA) | -0.8810% | 7,080 |
| Pretax return on assets | -0.9188% | 7,013 |
| Return on Equity (ROE) | -14.5443% | 7,301 |
| Retained earnings to average equity (ytd only) | -14.5443% | 7,191 |
| Net charge-offs to loans | 0.9968% | 1,647 |
| Credit loss provision to net charge-offs | 183.8235% | 1,993 |
| Earnings coverage of net charge-offs (x) | 0.6471% | 4,449 |
| Efficiency ratio | 83.2613% | 2,109 |
| Assets per employee ($millions) | 4.2395% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1596% | 1,833 |
| Loan loss allowance to noncurrent loans | 69.3927% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 3.5306% | 1,991 |
| Noncurrent loans to loans | 3.1121% | 2,577 |
| Net loans and leases to total assets | 73.2661% | 2,136 |
| Net loans and leases to deposits | 88.4979% | 2,135 |
| Net loans and leases to core deposits | 113.0584% | 1,089 |
| Total domestic deposits to total assets | 82.7885% | 4,725 |
| Equity capital to assets | 5.9172% | 7,630 |
| Core capital (leverage) ratio | 5.9718% | 7,585 |
| Tier 1 risk-based capital ratio | 7.2427% | 7,677 |
| Total risk-based capital ratio | 9.1786% | 7,630 |
| Memoranda: | ||
| Average total assets | $211,587,000 | 3,086 |
| Average earning assets | $193,839,000 | 3,077 |
| Average equity | $12,816,000 | 4,519 |
| Average total loans | $163,730,500 | 2,705 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8688% | 2,377 |
| Cost of funding earning assets | 2.9159% | 295 |
| Net interest margin | 2.9529% | 6,745 |
| Noninterest income to average assets | 0.2055% | 6,640 |
| Noninterest expense to average assets | 2.8788% | 4,614 |
| Loan and lease loss provision to assets | 1.6884% | 1,351 |
| Net operating income to assets | -1.6014% | 6,904 |
| Return on assets (ROA) | -1.3631% | 6,796 |
| Pretax return on assets | -1.4230% | 6,654 |
| Return on Equity (ROE) | -18.8317% | 7,102 |
| Retained earnings to average equity (ytd only) | -18.8317% | 7,060 |
| Net charge-offs to loans | 2.0438% | 1,196 |
| Credit loss provision to net charge-offs | 102.7794% | 5,370 |
| Earnings coverage of net charge-offs (x) | 0.0104% | 6,182 |
| Efficiency ratio | 98.8504% | 1,161 |
| Assets per employee ($millions) | 3.8400% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 2,455 |
| Loan loss allowance to noncurrent loans | 68.8532% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 3.1899% | 2,158 |
| Noncurrent loans to loans | 2.6563% | 2,891 |
| Net loans and leases to total assets | 78.4290% | 1,296 |
| Net loans and leases to deposits | 96.7705% | 1,230 |
| Net loans and leases to core deposits | 125.7856% | 1,532 |
| Total domestic deposits to total assets | 81.0464% | 5,333 |
| Equity capital to assets | 6.1974% | 7,630 |
| Core capital (leverage) ratio | 6.0334% | 7,628 |
| Tier 1 risk-based capital ratio | 7.1819% | 7,731 |
| Total risk-based capital ratio | 9.0848% | 7,678 |
| Memoranda: | ||
| Average total assets | $210,259,200 | 3,062 |
| Average earning assets | $191,572,600 | 3,076 |
| Average equity | $15,219,000 | 4,025 |
| Average total loans | $169,001,000 | 2,631 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9133% | 2,392 |
| Cost of funding earning assets | 3.0470% | 285 |
| Net interest margin | 2.8664% | 6,924 |
| Noninterest income to average assets | 0.4088% | 5,222 |
| Noninterest expense to average assets | 2.8466% | 4,690 |
| Loan and lease loss provision to assets | 1.3255% | 1,461 |
| Net operating income to assets | -1.1334% | 6,920 |
| Return on assets (ROA) | -0.9903% | 6,833 |
| Pretax return on assets | -1.0075% | 6,691 |
| Return on Equity (ROE) | -13.2048% | 7,087 |
| Retained earnings to average equity (ytd only) | -13.2048% | 7,019 |
| Net charge-offs to loans | 1.9163% | 1,043 |
| Credit loss provision to net charge-offs | 85.9259% | 5,594 |
| Earnings coverage of net charge-offs (x) | 0.1115% | 5,925 |
| Efficiency ratio | 93.8591% | 1,409 |
| Assets per employee ($millions) | 3.8315% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 3,166 |
| Loan loss allowance to noncurrent loans | 63.6538% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 3.2690% | 2,069 |
| Noncurrent loans to loans | 2.4459% | 3,083 |
| Net loans and leases to total assets | 78.0330% | 1,563 |
| Net loans and leases to deposits | 96.8156% | 1,473 |
| Net loans and leases to core deposits | 123.9616% | 1,900 |
| Total domestic deposits to total assets | 80.5996% | 5,217 |
| Equity capital to assets | 6.8945% | 7,641 |
| Core capital (leverage) ratio | 6.7364% | 7,563 |
| Tier 1 risk-based capital ratio | 7.7058% | 7,835 |
| Total risk-based capital ratio | 9.5881% | 7,774 |
| Memoranda: | ||
| Average total assets | $210,024,000 | 3,088 |
| Average earning assets | $191,224,000 | 3,099 |
| Average equity | $15,751,500 | 3,959 |
| Average total loans | $169,069,250 | 2,664 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0053% | 2,161 |
| Cost of funding earning assets | 3.2072% | 263 |
| Net interest margin | 2.7981% | 7,013 |
| Noninterest income to average assets | 0.6887% | 3,066 |
| Noninterest expense to average assets | 2.8632% | 4,670 |
| Loan and lease loss provision to assets | 0.9832% | 1,715 |
| Net operating income to assets | -0.5827% | 6,636 |
| Return on assets (ROA) | -0.3722% | 6,426 |
| Pretax return on assets | -0.3904% | 6,312 |
| Return on Equity (ROE) | -4.8286% | 6,584 |
| Retained earnings to average equity (ytd only) | -4.8286% | 6,273 |
| Net charge-offs to loans | 2.1039% | 878 |
| Credit loss provision to net charge-offs | 57.7465% | 5,631 |
| Earnings coverage of net charge-offs (x) | 0.2180% | 5,454 |
| Efficiency ratio | 88.1079% | 2,007 |
| Assets per employee ($millions) | 3.7417% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 3,967 |
| Loan loss allowance to noncurrent loans | 47.7927% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 3.7945% | 1,603 |
| Noncurrent loans to loans | 2.8300% | 2,546 |
| Net loans and leases to total assets | 79.4233% | 1,426 |
| Net loans and leases to deposits | 100.0477% | 1,287 |
| Net loans and leases to core deposits | 129.0218% | 1,650 |
| Total domestic deposits to total assets | 79.3854% | 5,691 |
| Equity capital to assets | 7.5784% | 7,200 |
| Core capital (leverage) ratio | 7.2561% | 7,299 |
| Tier 1 risk-based capital ratio | 8.4605% | 7,849 |
| Total risk-based capital ratio | 10.3525% | 7,647 |
| Memoranda: | ||
| Average total assets | $208,511,000 | 3,126 |
| Average earning assets | $189,698,330 | 3,144 |
| Average equity | $16,071,000 | 3,906 |
| Average total loans | $168,733,000 | 2,697 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9766% | 2,455 |
| Cost of funding earning assets | 3.2624% | 297 |
| Net interest margin | 2.7142% | 7,170 |
| Noninterest income to average assets | 0.5108% | 4,223 |
| Noninterest expense to average assets | 2.6321% | 5,312 |
| Loan and lease loss provision to assets | 0.1182% | 5,455 |
| Net operating income to assets | 0.2344% | 5,550 |
| Return on assets (ROA) | 0.4174% | 4,965 |
| Pretax return on assets | 0.4327% | 5,302 |
| Return on Equity (ROE) | 5.3714% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.3714% | 2,926 |
| Net charge-offs to loans | 0.4182% | 2,437 |
| Credit loss provision to net charge-offs | 34.8315% | 4,888 |
| Earnings coverage of net charge-offs (x) | 1.0618% | 4,231 |
| Efficiency ratio | 87.5159% | 1,929 |
| Assets per employee ($millions) | 3.8178% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 2,188 |
| Loan loss allowance to noncurrent loans | 44.5374% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 4.0001% | 1,285 |
| Noncurrent loans to loans | 3.7851% | 1,629 |
| Net loans and leases to total assets | 78.3979% | 1,721 |
| Net loans and leases to deposits | 100.3575% | 1,363 |
| Net loans and leases to core deposits | 130.3729% | 1,636 |
| Total domestic deposits to total assets | 78.1187% | 5,973 |
| Equity capital to assets | 7.7420% | 7,137 |
| Core capital (leverage) ratio | 7.6269% | 6,989 |
| Tier 1 risk-based capital ratio | 8.7682% | 7,891 |
| Total risk-based capital ratio | 10.0219% | 7,948 |
| Memoranda: | ||
| Average total assets | $209,868,500 | 3,116 |
| Average earning assets | $191,882,000 | 3,129 |
| Average equity | $16,308,500 | 3,884 |
| Average total loans | $170,254,000 | 2,696 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3059% | 3,935 |
| Cost of funding earning assets | 3.6719% | 292 |
| Net interest margin | 2.6340% | 7,600 |
| Noninterest income to average assets | 0.8869% | 2,015 |
| Noninterest expense to average assets | 2.3752% | 6,490 |
| Loan and lease loss provision to assets | 0.8405% | 1,776 |
| Net operating income to assets | 0.0820% | 6,150 |
| Return on assets (ROA) | 0.1176% | 5,903 |
| Pretax return on assets | 0.1049% | 5,927 |
| Return on Equity (ROE) | 1.5092% | 5,765 |
| Retained earnings to average equity (ytd only) | -4.5653% | 6,428 |
| Net charge-offs to loans | 0.6958% | 1,765 |
| Credit loss provision to net charge-offs | 148.7047% | 3,549 |
| Earnings coverage of net charge-offs (x) | 1.6097% | 5,286 |
| Efficiency ratio | 72.2734% | 3,884 |
| Assets per employee ($millions) | 3.8857% | 3,770 |
| Cash dividends to net income (ytd only)* | 402.4896% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 1,739 |
| Loan loss allowance to noncurrent loans | 38.4893% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 4.2857% | 914 |
| Noncurrent loans to loans | 4.5705% | 1,039 |
| Net loans and leases to total assets | 81.1064% | 1,412 |
| Net loans and leases to deposits | 102.6739% | 1,509 |
| Net loans and leases to core deposits | 129.7596% | 1,868 |
| Total domestic deposits to total assets | 78.9942% | 5,380 |
| Equity capital to assets | 7.8007% | 7,093 |
| Core capital (leverage) ratio | 7.3886% | 7,318 |
| Tier 1 risk-based capital ratio | 8.7507% | 7,933 |
| Total risk-based capital ratio | 10.0041% | 8,008 |
| Memoranda: | ||
| Average total assets | $204,869,200 | 3,073 |
| Average earning assets | $186,525,000 | 3,091 |
| Average equity | $15,968,400 | 3,933 |
| Average total loans | $166,422,800 | 2,681 |