Home > Hampden Bank > Performance and Condition Ratios
Hampden Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 3,533 |
| Cost of funding earning assets | 0.7993% | 501 |
| Net interest margin | 3.1168% | 4,897 |
| Noninterest income to average assets | 0.4351% | 3,729 |
| Noninterest expense to average assets | 2.2235% | 5,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6741% | 3,924 |
| Return on assets (ROA) | 0.6741% | 4,044 |
| Pretax return on assets | 1.1346% | 2,928 |
| Return on Equity (ROE) | 6.0367% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.0367% | 2,481 |
| Net charge-offs to loans | 0.0202% | 2,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 77.4231% | 608 |
| Efficiency ratio | 66.2135% | 4,125 |
| Assets per employee ($millions) | 6.5125% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 4,373 |
| Loan loss allowance to noncurrent loans | 114.6036% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 3,298 |
| Noncurrent loans to loans | 0.9861% | 2,797 |
| Net loans and leases to total assets | 71.0898% | 1,968 |
| Net loans and leases to deposits | 100.7257% | 523 |
| Net loans and leases to core deposits | 110.3450% | 731 |
| Total domestic deposits to total assets | 70.5775% | 6,103 |
| Equity capital to assets | 11.3057% | 2,645 |
| Core capital (leverage) ratio | 11.3875% | 2,094 |
| Tier 1 risk-based capital ratio | 13.6280% | 4,262 |
| Total risk-based capital ratio | 14.6099% | 4,307 |
| Memoranda: | ||
| Average total assets | $709,677,000 | 979 |
| Average earning assets | $665,554,000 | 970 |
| Average equity | $79,248,000 | 968 |
| Average total loans | $513,665,000 | 916 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 3,904 |
| Cost of funding earning assets | 0.8346% | 551 |
| Net interest margin | 3.1196% | 5,157 |
| Noninterest income to average assets | 0.4885% | 3,596 |
| Noninterest expense to average assets | 2.3056% | 5,100 |
| Loan and lease loss provision to assets | 0.0640% | 3,233 |
| Net operating income to assets | 0.6874% | 3,961 |
| Return on assets (ROA) | 0.6874% | 4,074 |
| Pretax return on assets | 1.0385% | 3,359 |
| Return on Equity (ROE) | 6.2555% | 4,021 |
| Retained earnings to average equity (ytd only) | -0.9882% | 5,916 |
| Net charge-offs to loans | 0.0290% | 4,243 |
| Credit loss provision to net charge-offs | 304.0541% | 855 |
| Earnings coverage of net charge-offs (x) | 52.4054% | 894 |
| Efficiency ratio | 67.6523% | 3,955 |
| Assets per employee ($millions) | 6.0126% | 1,368 |
| Cash dividends to net income (ytd only)* | 115.7982% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 4,440 |
| Loan loss allowance to noncurrent loans | 106.6053% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 3,121 |
| Noncurrent loans to loans | 1.0514% | 2,721 |
| Net loans and leases to total assets | 72.0415% | 1,907 |
| Net loans and leases to deposits | 103.8646% | 438 |
| Net loans and leases to core deposits | 113.3991% | 629 |
| Total domestic deposits to total assets | 69.3610% | 6,221 |
| Equity capital to assets | 11.0278% | 2,864 |
| Core capital (leverage) ratio | 10.9864% | 2,423 |
| Tier 1 risk-based capital ratio | 15.0710% | 3,451 |
| Total risk-based capital ratio | 16.1934% | 3,454 |
| Memoranda: | ||
| Average total assets | $703,538,400 | 951 |
| Average earning assets | $658,414,600 | 937 |
| Average equity | $77,308,400 | 950 |
| Average total loans | $510,289,200 | 873 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,881 |
| Cost of funding earning assets | 0.8377% | 564 |
| Net interest margin | 3.1317% | 5,170 |
| Noninterest income to average assets | 0.4949% | 3,580 |
| Noninterest expense to average assets | 2.2723% | 5,172 |
| Loan and lease loss provision to assets | 0.0855% | 2,648 |
| Net operating income to assets | 0.6848% | 4,018 |
| Return on assets (ROA) | 0.6848% | 4,108 |
| Pretax return on assets | 1.0664% | 3,314 |
| Return on Equity (ROE) | 6.2379% | 4,113 |
| Retained earnings to average equity (ytd only) | -3.4494% | 6,175 |
| Net charge-offs to loans | 0.0453% | 3,586 |
| Credit loss provision to net charge-offs | 260.1156% | 1,016 |
| Earnings coverage of net charge-offs (x) | 35.0579% | 1,236 |
| Efficiency ratio | 66.3616% | 4,166 |
| Assets per employee ($millions) | 6.0647% | 1,287 |
| Cash dividends to net income (ytd only)* | 155.2967% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 4,645 |
| Loan loss allowance to noncurrent loans | 87.6614% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 3,052 |
| Noncurrent loans to loans | 1.2821% | 2,497 |
| Net loans and leases to total assets | 72.1428% | 1,820 |
| Net loans and leases to deposits | 102.6900% | 469 |
| Net loans and leases to core deposits | 111.9758% | 662 |
| Total domestic deposits to total assets | 70.2530% | 6,273 |
| Equity capital to assets | 10.8673% | 3,104 |
| Core capital (leverage) ratio | 10.8345% | 2,659 |
| Tier 1 risk-based capital ratio | 14.8929% | 3,657 |
| Total risk-based capital ratio | 16.0188% | 3,662 |
| Memoranda: | ||
| Average total assets | $702,051,000 | 962 |
| Average earning assets | $656,668,750 | 945 |
| Average equity | $77,075,250 | 958 |
| Average total loans | $508,631,500 | 879 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 3,966 |
| Cost of funding earning assets | 0.8397% | 583 |
| Net interest margin | 3.1027% | 5,246 |
| Noninterest income to average assets | 0.4593% | 3,795 |
| Noninterest expense to average assets | 2.2270% | 5,352 |
| Loan and lease loss provision to assets | 0.0855% | 2,596 |
| Net operating income to assets | 0.6736% | 3,969 |
| Return on assets (ROA) | 0.6736% | 4,068 |
| Pretax return on assets | 1.0488% | 3,286 |
| Return on Equity (ROE) | 6.1152% | 4,096 |
| Retained earnings to average equity (ytd only) | -8.3770% | 6,381 |
| Net charge-offs to loans | 0.0556% | 3,167 |
| Credit loss provision to net charge-offs | 212.7660% | 1,113 |
| Earnings coverage of net charge-offs (x) | 28.2199% | 1,307 |
| Efficiency ratio | 66.2539% | 4,322 |
| Assets per employee ($millions) | 6.0730% | 1,236 |
| Cash dividends to net income (ytd only)* | 236.9869% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 4,905 |
| Loan loss allowance to noncurrent loans | 109.1137% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 3,608 |
| Noncurrent loans to loans | 1.0083% | 3,220 |
| Net loans and leases to total assets | 72.7334% | 1,615 |
| Net loans and leases to deposits | 101.9828% | 450 |
| Net loans and leases to core deposits | 111.8242% | 608 |
| Total domestic deposits to total assets | 71.3193% | 6,297 |
| Equity capital to assets | 10.7802% | 3,114 |
| Core capital (leverage) ratio | 10.6090% | 2,813 |
| Tier 1 risk-based capital ratio | 14.6106% | 3,859 |
| Total risk-based capital ratio | 15.7133% | 3,894 |
| Memoranda: | ||
| Average total assets | $701,566,000 | 962 |
| Average earning assets | $656,202,000 | 945 |
| Average equity | $77,283,000 | 941 |
| Average total loans | $507,076,000 | 876 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 4,015 |
| Cost of funding earning assets | 0.8408% | 609 |
| Net interest margin | 3.0765% | 5,319 |
| Noninterest income to average assets | 0.4102% | 4,102 |
| Noninterest expense to average assets | 2.2328% | 5,376 |
| Loan and lease loss provision to assets | 0.0853% | 2,484 |
| Net operating income to assets | 0.6212% | 4,092 |
| Return on assets (ROA) | 0.6212% | 4,174 |
| Pretax return on assets | 0.9665% | 3,457 |
| Return on Equity (ROE) | 5.5799% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.5799% | 2,750 |
| Net charge-offs to loans | 0.0191% | 3,204 |
| Credit loss provision to net charge-offs | 625.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 77.0417% | 559 |
| Efficiency ratio | 67.9771% | 4,188 |
| Assets per employee ($millions) | 6.1594% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,064 |
| Loan loss allowance to noncurrent loans | 121.4178% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 3,679 |
| Noncurrent loans to loans | 0.9169% | 3,592 |
| Net loans and leases to total assets | 69.8467% | 1,917 |
| Net loans and leases to deposits | 98.8229% | 498 |
| Net loans and leases to core deposits | 109.3347% | 613 |
| Total domestic deposits to total assets | 70.6786% | 6,416 |
| Equity capital to assets | 11.0719% | 2,663 |
| Core capital (leverage) ratio | 11.2871% | 2,151 |
| Tier 1 risk-based capital ratio | 15.4748% | 3,447 |
| Total risk-based capital ratio | 16.5745% | 3,492 |
| Memoranda: | ||
| Average total assets | $703,152,500 | 965 |
| Average earning assets | $656,989,000 | 947 |
| Average equity | $78,280,500 | 932 |
| Average total loans | $503,806,000 | 879 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 4,231 |
| Cost of funding earning assets | 0.9086% | 704 |
| Net interest margin | 3.0541% | 5,443 |
| Noninterest income to average assets | 0.6006% | 3,096 |
| Noninterest expense to average assets | 2.3646% | 5,184 |
| Loan and lease loss provision to assets | 0.1049% | 3,045 |
| Net operating income to assets | 0.6538% | 4,010 |
| Return on assets (ROA) | 0.6653% | 4,056 |
| Pretax return on assets | 0.9883% | 3,399 |
| Return on Equity (ROE) | 5.8499% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.8499% | 2,068 |
| Net charge-offs to loans | 0.0720% | 4,199 |
| Credit loss provision to net charge-offs | 208.9552% | 1,102 |
| Earnings coverage of net charge-offs (x) | 21.4388% | 1,494 |
| Efficiency ratio | 68.7236% | 4,060 |
| Assets per employee ($millions) | 6.1223% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,198 |
| Loan loss allowance to noncurrent loans | 184.9158% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 4,401 |
| Noncurrent loans to loans | 0.5905% | 4,508 |
| Net loans and leases to total assets | 71.9057% | 1,698 |
| Net loans and leases to deposits | 103.8313% | 328 |
| Net loans and leases to core deposits | 114.7788% | 446 |
| Total domestic deposits to total assets | 69.2524% | 6,551 |
| Equity capital to assets | 11.1957% | 2,434 |
| Core capital (leverage) ratio | 11.3232% | 2,096 |
| Tier 1 risk-based capital ratio | 15.1079% | 3,605 |
| Total risk-based capital ratio | 16.1744% | 3,661 |
| Memoranda: | ||
| Average total assets | $667,380,600 | 997 |
| Average earning assets | $620,641,800 | 982 |
| Average equity | $75,898,400 | 938 |
| Average total loans | $465,580,800 | 913 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9432% | 4,338 |
| Cost of funding earning assets | 0.9143% | 762 |
| Net interest margin | 3.0289% | 5,524 |
| Noninterest income to average assets | 0.6307% | 2,988 |
| Noninterest expense to average assets | 2.4185% | 4,966 |
| Loan and lease loss provision to assets | 0.1109% | 2,912 |
| Net operating income to assets | 0.6175% | 4,267 |
| Return on assets (ROA) | 0.6329% | 4,325 |
| Pretax return on assets | 0.9378% | 3,731 |
| Return on Equity (ROE) | 5.5427% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,704 |
| Net charge-offs to loans | 0.0584% | 4,069 |
| Credit loss provision to net charge-offs | 275.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 25.4350% | 1,385 |
| Efficiency ratio | 70.2201% | 3,720 |
| Assets per employee ($millions) | 6.2428% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 5,240 |
| Loan loss allowance to noncurrent loans | 151.3401% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 4,374 |
| Noncurrent loans to loans | 0.7423% | 4,365 |
| Net loans and leases to total assets | 69.5700% | 2,036 |
| Net loans and leases to deposits | 99.0066% | 515 |
| Net loans and leases to core deposits | 110.5810% | 557 |
| Total domestic deposits to total assets | 70.2681% | 6,583 |
| Equity capital to assets | 10.9955% | 2,759 |
| Core capital (leverage) ratio | 11.3912% | 2,133 |
| Tier 1 risk-based capital ratio | 15.3869% | 3,521 |
| Total risk-based capital ratio | 16.4916% | 3,552 |
| Memoranda: | ||
| Average total assets | $661,270,750 | 1,011 |
| Average earning assets | $614,245,750 | 998 |
| Average equity | $75,509,500 | 957 |
| Average total loans | $456,238,500 | 939 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,838 |
| Cost of funding earning assets | 0.9462% | 725 |
| Net interest margin | 3.1263% | 5,200 |
| Noninterest income to average assets | 0.5453% | 3,537 |
| Noninterest expense to average assets | 2.5323% | 4,618 |
| Loan and lease loss provision to assets | 0.1383% | 2,601 |
| Net operating income to assets | 0.5343% | 4,646 |
| Return on assets (ROA) | 0.5585% | 4,680 |
| Pretax return on assets | 0.8090% | 4,278 |
| Return on Equity (ROE) | 4.8272% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.8272% | 3,170 |
| Net charge-offs to loans | 0.0731% | 3,667 |
| Credit loss provision to net charge-offs | 276.0736% | 921 |
| Earnings coverage of net charge-offs (x) | 18.2086% | 1,567 |
| Efficiency ratio | 73.5166% | 3,221 |
| Assets per employee ($millions) | 5.5026% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,069 |
| Loan loss allowance to noncurrent loans | 136.0302% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 4,224 |
| Noncurrent loans to loans | 0.8708% | 4,181 |
| Net loans and leases to total assets | 69.5539% | 1,958 |
| Net loans and leases to deposits | 94.7635% | 761 |
| Net loans and leases to core deposits | 105.3589% | 776 |
| Total domestic deposits to total assets | 73.3973% | 6,479 |
| Equity capital to assets | 11.6029% | 2,216 |
| Core capital (leverage) ratio | 11.6045% | 1,857 |
| Tier 1 risk-based capital ratio | 16.2939% | 3,041 |
| Total risk-based capital ratio | 17.4730% | 3,023 |
| Memoranda: | ||
| Average total assets | $650,709,330 | 1,032 |
| Average earning assets | $603,463,000 | 1,023 |
| Average equity | $75,281,330 | 966 |
| Average total loans | $445,796,000 | 958 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 3,995 |
| Cost of funding earning assets | 0.9557% | 765 |
| Net interest margin | 3.0752% | 5,351 |
| Noninterest income to average assets | 0.5612% | 3,362 |
| Noninterest expense to average assets | 2.4568% | 4,926 |
| Loan and lease loss provision to assets | 0.0614% | 3,610 |
| Net operating income to assets | 0.6167% | 4,131 |
| Return on assets (ROA) | 0.6650% | 4,029 |
| Pretax return on assets | 0.9604% | 3,523 |
| Return on Equity (ROE) | 5.7566% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.7566% | 2,811 |
| Net charge-offs to loans | -0.0391% | 6,017 |
| Credit loss provision to net charge-offs | -232.5581% | 5,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0771% | 3,600 |
| Assets per employee ($millions) | 5.6051% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 5,247 |
| Loan loss allowance to noncurrent loans | 133.4853% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 4,328 |
| Noncurrent loans to loans | 0.8872% | 4,363 |
| Net loans and leases to total assets | 66.4804% | 2,286 |
| Net loans and leases to deposits | 91.6014% | 837 |
| Net loans and leases to core deposits | 102.0316% | 823 |
| Total domestic deposits to total assets | 72.5758% | 6,629 |
| Equity capital to assets | 11.4411% | 2,470 |
| Core capital (leverage) ratio | 11.5430% | 1,850 |
| Tier 1 risk-based capital ratio | 16.4815% | 3,014 |
| Total risk-based capital ratio | 17.6574% | 3,006 |
| Memoranda: | ||
| Average total assets | $651,408,500 | 1,042 |
| Average earning assets | $603,140,000 | 1,035 |
| Average equity | $75,252,500 | 975 |
| Average total loans | $440,176,500 | 973 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 3,654 |
| Cost of funding earning assets | 1.0719% | 1,013 |
| Net interest margin | 3.3686% | 5,004 |
| Noninterest income to average assets | 0.5667% | 3,467 |
| Noninterest expense to average assets | 2.5249% | 5,008 |
| Loan and lease loss provision to assets | 0.0409% | 5,348 |
| Net operating income to assets | 0.7378% | 3,563 |
| Return on assets (ROA) | 0.7378% | 3,812 |
| Pretax return on assets | 1.0961% | 3,172 |
| Return on Equity (ROE) | 5.9622% | 4,190 |
| Retained earnings to average equity (ytd only) | -3.9505% | 6,358 |
| Net charge-offs to loans | 0.1657% | 4,054 |
| Credit loss provision to net charge-offs | 36.1272% | 5,004 |
| Earnings coverage of net charge-offs (x) | 10.0462% | 2,189 |
| Efficiency ratio | 68.9504% | 3,983 |
| Assets per employee ($millions) | 5.4357% | 1,744 |
| Cash dividends to net income (ytd only)* | 166.2603% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 5,224 |
| Loan loss allowance to noncurrent loans | 116.6288% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 4,183 |
| Noncurrent loans to loans | 1.0097% | 4,175 |
| Net loans and leases to total assets | 67.0788% | 2,351 |
| Net loans and leases to deposits | 93.2321% | 807 |
| Net loans and leases to core deposits | 104.7515% | 744 |
| Total domestic deposits to total assets | 71.9482% | 6,693 |
| Equity capital to assets | 11.6669% | 2,294 |
| Core capital (leverage) ratio | 11.4106% | 1,930 |
| Tier 1 risk-based capital ratio | 16.7777% | 2,758 |
| Total risk-based capital ratio | 17.9608% | 2,758 |
| Memoranda: | ||
| Average total assets | $611,440,800 | 1,084 |
| Average earning assets | $561,808,600 | 1,081 |
| Average equity | $75,660,400 | 935 |
| Average total loans | $417,686,000 | 1,003 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 3,559 |
| Cost of funding earning assets | 1.0835% | 1,133 |
| Net interest margin | 3.4361% | 4,895 |
| Noninterest income to average assets | 0.5378% | 3,687 |
| Noninterest expense to average assets | 2.5196% | 5,015 |
| Loan and lease loss provision to assets | 0.0166% | 5,599 |
| Net operating income to assets | 0.7895% | 3,503 |
| Return on assets (ROA) | 0.7895% | 3,745 |
| Pretax return on assets | 1.1570% | 3,141 |
| Return on Equity (ROE) | 6.2845% | 4,182 |
| Retained earnings to average equity (ytd only) | -6.8961% | 6,710 |
| Net charge-offs to loans | 0.1523% | 3,895 |
| Credit loss provision to net charge-offs | 15.8898% | 5,010 |
| Earnings coverage of net charge-offs (x) | 11.2627% | 2,090 |
| Efficiency ratio | 68.2228% | 4,013 |
| Assets per employee ($millions) | 5.5547% | 1,581 |
| Cash dividends to net income (ytd only)* | 209.7316% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 5,228 |
| Loan loss allowance to noncurrent loans | 184.1225% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 4,985 |
| Noncurrent loans to loans | 0.6590% | 5,125 |
| Net loans and leases to total assets | 65.9196% | 2,666 |
| Net loans and leases to deposits | 92.7193% | 900 |
| Net loans and leases to core deposits | 104.5233% | 840 |
| Total domestic deposits to total assets | 71.0959% | 6,789 |
| Equity capital to assets | 11.6230% | 2,622 |
| Core capital (leverage) ratio | 11.7402% | 1,816 |
| Tier 1 risk-based capital ratio | 16.5273% | 2,981 |
| Total risk-based capital ratio | 17.7205% | 2,981 |
| Memoranda: | ||
| Average total assets | $603,947,750 | 1,108 |
| Average earning assets | $554,601,750 | 1,100 |
| Average equity | $75,867,250 | 932 |
| Average total loans | $413,262,750 | 1,017 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 3,211 |
| Cost of funding earning assets | 1.1063% | 1,195 |
| Net interest margin | 3.5290% | 4,556 |
| Noninterest income to average assets | 0.5180% | 3,801 |
| Noninterest expense to average assets | 2.5064% | 5,112 |
| Loan and lease loss provision to assets | 0.0084% | 5,550 |
| Net operating income to assets | 0.8266% | 3,268 |
| Return on assets (ROA) | 0.8266% | 3,528 |
| Pretax return on assets | 1.2290% | 2,808 |
| Return on Equity (ROE) | 6.4078% | 4,095 |
| Retained earnings to average equity (ytd only) | -1.4449% | 6,280 |
| Net charge-offs to loans | 0.2181% | 3,264 |
| Credit loss provision to net charge-offs | 5.6054% | 4,780 |
| Earnings coverage of net charge-offs (x) | 8.2175% | 2,337 |
| Efficiency ratio | 66.9462% | 4,329 |
| Assets per employee ($millions) | 5.2226% | 1,901 |
| Cash dividends to net income (ytd only)* | 122.5490% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,128 |
| Loan loss allowance to noncurrent loans | 225.4928% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 5,092 |
| Noncurrent loans to loans | 0.5536% | 5,409 |
| Net loans and leases to total assets | 66.6519% | 2,538 |
| Net loans and leases to deposits | 93.4057% | 821 |
| Net loans and leases to core deposits | 105.4991% | 769 |
| Total domestic deposits to total assets | 71.3575% | 6,837 |
| Equity capital to assets | 12.6088% | 1,748 |
| Core capital (leverage) ratio | 12.3119% | 1,441 |
| Tier 1 risk-based capital ratio | 17.8035% | 2,359 |
| Total risk-based capital ratio | 19.0279% | 2,341 |
| Memoranda: | ||
| Average total assets | $592,332,000 | 1,129 |
| Average earning assets | $541,460,330 | 1,132 |
| Average equity | $76,407,330 | 915 |
| Average total loans | $408,929,330 | 1,027 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 3,149 |
| Cost of funding earning assets | 1.1096% | 1,351 |
| Net interest margin | 3.5658% | 4,418 |
| Noninterest income to average assets | 0.5359% | 3,657 |
| Noninterest expense to average assets | 2.5188% | 5,088 |
| Loan and lease loss provision to assets | 0.0172% | 5,113 |
| Net operating income to assets | 0.8419% | 3,193 |
| Return on assets (ROA) | 0.8419% | 3,433 |
| Pretax return on assets | 1.2433% | 2,752 |
| Return on Equity (ROE) | 6.4504% | 4,066 |
| Retained earnings to average equity (ytd only) | -9.3207% | 6,819 |
| Net charge-offs to loans | 0.3929% | 2,124 |
| Credit loss provision to net charge-offs | 6.2500% | 3,940 |
| Earnings coverage of net charge-offs (x) | 4.5925% | 2,549 |
| Efficiency ratio | 66.6485% | 4,439 |
| Assets per employee ($millions) | 5.2884% | 1,900 |
| Cash dividends to net income (ytd only)* | 244.4988% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 5,160 |
| Loan loss allowance to noncurrent loans | 153.6686% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7869% | 4,975 |
| Noncurrent loans to loans | 0.8264% | 5,021 |
| Net loans and leases to total assets | 66.9766% | 2,291 |
| Net loans and leases to deposits | 92.4918% | 764 |
| Net loans and leases to core deposits | 104.4538% | 745 |
| Total domestic deposits to total assets | 72.4136% | 6,857 |
| Equity capital to assets | 12.5067% | 1,716 |
| Core capital (leverage) ratio | 12.6935% | 1,246 |
| Tier 1 risk-based capital ratio | 17.6998% | 2,404 |
| Total risk-based capital ratio | 18.9504% | 2,376 |
| Memoranda: | ||
| Average total assets | $582,976,500 | 1,156 |
| Average earning assets | $530,257,500 | 1,157 |
| Average equity | $76,088,500 | 917 |
| Average total loans | $407,184,000 | 1,032 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 3,356 |
| Cost of funding earning assets | 1.3687% | 1,168 |
| Net interest margin | 3.5320% | 5,014 |
| Noninterest income to average assets | 0.5006% | 3,835 |
| Noninterest expense to average assets | 2.7380% | 4,596 |
| Loan and lease loss provision to assets | 0.3044% | 3,232 |
| Net operating income to assets | 0.4902% | 4,468 |
| Return on assets (ROA) | 0.4787% | 4,718 |
| Pretax return on assets | 0.6424% | 4,547 |
| Return on Equity (ROE) | 3.5698% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.5698% | 3,692 |
| Net charge-offs to loans | 0.5486% | 2,820 |
| Credit loss provision to net charge-offs | 77.0975% | 4,594 |
| Earnings coverage of net charge-offs (x) | 2.4367% | 3,997 |
| Efficiency ratio | 74.0008% | 3,239 |
| Assets per employee ($millions) | 5.0275% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,585 |
| Loan loss allowance to noncurrent loans | 101.1993% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.1682% | 4,285 |
| Noncurrent loans to loans | 1.3575% | 4,108 |
| Net loans and leases to total assets | 71.0061% | 1,824 |
| Net loans and leases to deposits | 93.3500% | 857 |
| Net loans and leases to core deposits | 105.4951% | 819 |
| Total domestic deposits to total assets | 76.0644% | 6,473 |
| Equity capital to assets | 13.6353% | 1,199 |
| Core capital (leverage) ratio | 13.4757% | 973 |
| Tier 1 risk-based capital ratio | 18.8093% | 1,956 |
| Total risk-based capital ratio | 20.0616% | 1,914 |
| Memoranda: | ||
| Average total assets | $558,552,400 | 1,182 |
| Average earning assets | $505,947,600 | 1,197 |
| Average equity | $74,905,400 | 898 |
| Average total loans | $401,957,600 | 1,062 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 3,416 |
| Cost of funding earning assets | 1.4290% | 1,114 |
| Net interest margin | 3.5034% | 5,174 |
| Noninterest income to average assets | 0.4944% | 3,915 |
| Noninterest expense to average assets | 2.7569% | 4,510 |
| Loan and lease loss provision to assets | 0.3827% | 2,563 |
| Net operating income to assets | 0.4087% | 4,958 |
| Return on assets (ROA) | 0.3932% | 5,215 |
| Pretax return on assets | 0.5145% | 5,120 |
| Return on Equity (ROE) | 2.9447% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.9447% | 4,586 |
| Net charge-offs to loans | 0.6459% | 2,312 |
| Credit loss provision to net charge-offs | 82.3469% | 4,060 |
| Earnings coverage of net charge-offs (x) | 1.9743% | 4,173 |
| Efficiency ratio | 75.0293% | 2,992 |
| Assets per employee ($millions) | 4.8710% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 4,434 |
| Loan loss allowance to noncurrent loans | 97.0862% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 4,230 |
| Noncurrent loans to loans | 1.4692% | 4,093 |
| Net loans and leases to total assets | 71.3227% | 1,846 |
| Net loans and leases to deposits | 94.3778% | 805 |
| Net loans and leases to core deposits | 107.1419% | 806 |
| Total domestic deposits to total assets | 75.5715% | 6,582 |
| Equity capital to assets | 13.6569% | 1,303 |
| Core capital (leverage) ratio | 13.2878% | 1,112 |
| Tier 1 risk-based capital ratio | 18.8024% | 1,992 |
| Total risk-based capital ratio | 20.0551% | 1,956 |
| Memoranda: | ||
| Average total assets | $557,421,250 | 1,197 |
| Average earning assets | $505,974,750 | 1,198 |
| Average equity | $74,437,500 | 914 |
| Average total loans | $401,100,000 | 1,070 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 3,530 |
| Cost of funding earning assets | 1.4731% | 1,100 |
| Net interest margin | 3.4471% | 5,379 |
| Noninterest income to average assets | 0.4612% | 4,182 |
| Noninterest expense to average assets | 2.7417% | 4,654 |
| Loan and lease loss provision to assets | 0.4658% | 2,119 |
| Net operating income to assets | 0.3127% | 5,322 |
| Return on assets (ROA) | 0.2877% | 5,556 |
| Pretax return on assets | 0.3526% | 5,537 |
| Return on Equity (ROE) | 2.1711% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.1711% | 4,906 |
| Net charge-offs to loans | 0.9484% | 1,647 |
| Credit loss provision to net charge-offs | 68.3851% | 4,097 |
| Earnings coverage of net charge-offs (x) | 1.2462% | 4,356 |
| Efficiency ratio | 76.3573% | 2,955 |
| Assets per employee ($millions) | 4.8726% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,802 |
| Loan loss allowance to noncurrent loans | 88.0470% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 4,226 |
| Noncurrent loans to loans | 1.5402% | 4,094 |
| Net loans and leases to total assets | 71.0462% | 1,994 |
| Net loans and leases to deposits | 95.1282% | 790 |
| Net loans and leases to core deposits | 108.6718% | 774 |
| Total domestic deposits to total assets | 74.6846% | 6,766 |
| Equity capital to assets | 13.3401% | 1,361 |
| Core capital (leverage) ratio | 12.8674% | 1,213 |
| Tier 1 risk-based capital ratio | 18.1603% | 2,122 |
| Total risk-based capital ratio | 19.4121% | 2,074 |
| Memoranda: | ||
| Average total assets | $558,130,670 | 1,205 |
| Average earning assets | $506,682,670 | 1,203 |
| Average equity | $73,971,330 | 916 |
| Average total loans | $400,873,000 | 1,077 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 3,387 |
| Cost of funding earning assets | 1.4927% | 1,197 |
| Net interest margin | 3.4417% | 5,253 |
| Noninterest income to average assets | 0.4653% | 4,149 |
| Noninterest expense to average assets | 2.6505% | 5,034 |
| Loan and lease loss provision to assets | 0.4309% | 2,037 |
| Net operating income to assets | 0.3980% | 4,957 |
| Return on assets (ROA) | 0.3339% | 5,331 |
| Pretax return on assets | 0.4222% | 5,272 |
| Return on Equity (ROE) | 2.5278% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.5278% | 4,644 |
| Net charge-offs to loans | 1.5949% | 848 |
| Credit loss provision to net charge-offs | 37.6648% | 3,990 |
| Earnings coverage of net charge-offs (x) | 0.8167% | 4,028 |
| Efficiency ratio | 73.9383% | 3,522 |
| Assets per employee ($millions) | 4.9347% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 5,266 |
| Loan loss allowance to noncurrent loans | 71.7149% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 4,118 |
| Noncurrent loans to loans | 1.7788% | 3,852 |
| Net loans and leases to total assets | 69.8974% | 2,148 |
| Net loans and leases to deposits | 93.0999% | 908 |
| Net loans and leases to core deposits | 110.3025% | 707 |
| Total domestic deposits to total assets | 75.0779% | 6,780 |
| Equity capital to assets | 13.1295% | 1,324 |
| Core capital (leverage) ratio | 13.0466% | 1,107 |
| Tier 1 risk-based capital ratio | 18.5619% | 1,940 |
| Total risk-based capital ratio | 19.8139% | 1,896 |
| Memoranda: | ||
| Average total assets | $557,022,500 | 1,210 |
| Average earning assets | $504,869,500 | 1,214 |
| Average equity | $73,581,500 | 917 |
| Average total loans | $399,520,500 | 1,095 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 3,573 |
| Cost of funding earning assets | 1.7893% | 1,211 |
| Net interest margin | 3.4177% | 5,563 |
| Noninterest income to average assets | 0.5263% | 3,979 |
| Noninterest expense to average assets | 2.6778% | 5,089 |
| Loan and lease loss provision to assets | 0.4104% | 3,645 |
| Net operating income to assets | 0.4351% | 4,389 |
| Return on assets (ROA) | 0.4351% | 4,541 |
| Pretax return on assets | 0.5610% | 4,447 |
| Return on Equity (ROE) | 3.3915% | 4,798 |
| Retained earnings to average equity (ytd only) | 3.3915% | 3,499 |
| Net charge-offs to loans | 0.6020% | 3,226 |
| Credit loss provision to net charge-offs | 92.6524% | 5,010 |
| Earnings coverage of net charge-offs (x) | 2.1930% | 4,080 |
| Efficiency ratio | 73.3817% | 3,510 |
| Assets per employee ($millions) | 4.8376% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 3,921 |
| Loan loss allowance to noncurrent loans | 71.0160% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 3,704 |
| Noncurrent loans to loans | 2.1343% | 3,389 |
| Net loans and leases to total assets | 71.5652% | 2,185 |
| Net loans and leases to deposits | 95.7396% | 892 |
| Net loans and leases to core deposits | 114.3237% | 709 |
| Total domestic deposits to total assets | 74.7498% | 6,802 |
| Equity capital to assets | 13.2917% | 1,258 |
| Core capital (leverage) ratio | 12.9344% | 1,151 |
| Tier 1 risk-based capital ratio | 18.3639% | 1,890 |
| Total risk-based capital ratio | 19.6177% | 1,848 |
| Memoranda: | ||
| Average total assets | $559,220,000 | 1,200 |
| Average earning assets | $510,989,600 | 1,203 |
| Average equity | $71,739,200 | 937 |
| Average total loans | $411,459,600 | 1,093 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2485% | 3,586 |
| Cost of funding earning assets | 1.8405% | 1,257 |
| Net interest margin | 3.4080% | 5,643 |
| Noninterest income to average assets | 0.5111% | 4,091 |
| Noninterest expense to average assets | 2.6652% | 5,029 |
| Loan and lease loss provision to assets | 0.4740% | 3,105 |
| Net operating income to assets | 0.3916% | 4,785 |
| Return on assets (ROA) | 0.3916% | 4,964 |
| Pretax return on assets | 0.4864% | 4,974 |
| Return on Equity (ROE) | 3.0796% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.0796% | 4,279 |
| Net charge-offs to loans | 0.6191% | 2,889 |
| Credit loss provision to net charge-offs | 103.7441% | 4,132 |
| Earnings coverage of net charge-offs (x) | 2.1019% | 4,148 |
| Efficiency ratio | 73.5107% | 3,414 |
| Assets per employee ($millions) | 4.9443% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 3,693 |
| Loan loss allowance to noncurrent loans | 67.0836% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.7868% | 3,766 |
| Noncurrent loans to loans | 2.3285% | 3,307 |
| Net loans and leases to total assets | 71.3756% | 2,389 |
| Net loans and leases to deposits | 95.8965% | 990 |
| Net loans and leases to core deposits | 108.4653% | 1,128 |
| Total domestic deposits to total assets | 74.4298% | 6,868 |
| Equity capital to assets | 13.0239% | 1,562 |
| Core capital (leverage) ratio | 12.5448% | 1,387 |
| Tier 1 risk-based capital ratio | 18.3053% | 1,934 |
| Total risk-based capital ratio | 19.5601% | 1,886 |
| Memoranda: | ||
| Average total assets | $561,152,750 | 1,205 |
| Average earning assets | $512,816,000 | 1,208 |
| Average equity | $71,348,500 | 942 |
| Average total loans | $414,137,500 | 1,092 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2519% | 3,706 |
| Cost of funding earning assets | 1.8577% | 1,394 |
| Net interest margin | 3.3942% | 5,663 |
| Noninterest income to average assets | 0.4726% | 4,336 |
| Noninterest expense to average assets | 2.6735% | 5,021 |
| Loan and lease loss provision to assets | 0.6032% | 2,376 |
| Net operating income to assets | 0.3096% | 5,137 |
| Return on assets (ROA) | 0.3096% | 5,293 |
| Pretax return on assets | 0.3139% | 5,460 |
| Return on Equity (ROE) | 2.4550% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.4550% | 4,588 |
| Net charge-offs to loans | 0.7849% | 2,282 |
| Credit loss provision to net charge-offs | 103.5431% | 3,940 |
| Earnings coverage of net charge-offs (x) | 1.5742% | 4,311 |
| Efficiency ratio | 74.4573% | 3,384 |
| Assets per employee ($millions) | 4.9360% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,915 |
| Loan loss allowance to noncurrent loans | 110.9276% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 4,809 |
| Noncurrent loans to loans | 1.3557% | 4,678 |
| Net loans and leases to total assets | 72.8538% | 2,200 |
| Net loans and leases to deposits | 98.2332% | 849 |
| Net loans and leases to core deposits | 112.9274% | 981 |
| Total domestic deposits to total assets | 74.1641% | 6,955 |
| Equity capital to assets | 12.6739% | 1,699 |
| Core capital (leverage) ratio | 12.3743% | 1,460 |
| Tier 1 risk-based capital ratio | 16.9096% | 2,319 |
| Total risk-based capital ratio | 18.1632% | 2,271 |
| Memoranda: | ||
| Average total assets | $561,969,670 | 1,208 |
| Average earning assets | $516,230,670 | 1,201 |
| Average equity | $70,876,330 | 943 |
| Average total loans | $417,148,330 | 1,092 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 3,833 |
| Cost of funding earning assets | 1.8929% | 1,480 |
| Net interest margin | 3.3467% | 5,800 |
| Noninterest income to average assets | 0.4350% | 4,608 |
| Noninterest expense to average assets | 2.7135% | 4,841 |
| Loan and lease loss provision to assets | 0.9980% | 1,252 |
| Net operating income to assets | 0.0444% | 6,178 |
| Return on assets (ROA) | 0.0444% | 6,290 |
| Pretax return on assets | -0.1903% | 6,549 |
| Return on Equity (ROE) | 0.3526% | 6,319 |
| Retained earnings to average equity (ytd only) | 0.3526% | 5,695 |
| Net charge-offs to loans | 1.5691% | 1,106 |
| Credit loss provision to net charge-offs | 85.5303% | 3,760 |
| Earnings coverage of net charge-offs (x) | 0.6922% | 4,413 |
| Efficiency ratio | 77.0622% | 3,051 |
| Assets per employee ($millions) | 5.1532% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 4,178 |
| Loan loss allowance to noncurrent loans | 90.9503% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3409% | 4,508 |
| Noncurrent loans to loans | 1.5910% | 4,353 |
| Net loans and leases to total assets | 72.9935% | 2,202 |
| Net loans and leases to deposits | 99.4373% | 794 |
| Net loans and leases to core deposits | 116.9841% | 906 |
| Total domestic deposits to total assets | 73.4065% | 7,122 |
| Equity capital to assets | 12.5629% | 1,717 |
| Core capital (leverage) ratio | 12.2287% | 1,534 |
| Tier 1 risk-based capital ratio | 16.8700% | 2,317 |
| Total risk-based capital ratio | 18.1230% | 2,270 |
| Memoranda: | ||
| Average total assets | $559,134,000 | 1,244 |
| Average earning assets | $515,610,500 | 1,229 |
| Average equity | $70,343,500 | 950 |
| Average total loans | $415,791,500 | 1,131 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 4,803 |
| Cost of funding earning assets | 2.2631% | 1,790 |
| Net interest margin | 3.1139% | 6,335 |
| Noninterest income to average assets | 0.4376% | 4,903 |
| Noninterest expense to average assets | 2.7574% | 5,136 |
| Loan and lease loss provision to assets | 0.5938% | 3,421 |
| Net operating income to assets | -0.0121% | 5,508 |
| Return on assets (ROA) | -0.0317% | 5,582 |
| Pretax return on assets | -0.0495% | 5,521 |
| Return on Equity (ROE) | -0.2490% | 5,578 |
| Retained earnings to average equity (ytd only) | -0.2490% | 5,002 |
| Net charge-offs to loans | 0.2250% | 5,215 |
| Credit loss provision to net charge-offs | 361.0245% | 885 |
| Earnings coverage of net charge-offs (x) | 3.4955% | 3,321 |
| Efficiency ratio | 82.7461% | 2,512 |
| Assets per employee ($millions) | 5.1061% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 3,695 |
| Loan loss allowance to noncurrent loans | 66.0403% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.8697% | 3,570 |
| Noncurrent loans to loans | 2.2796% | 3,307 |
| Net loans and leases to total assets | 73.5404% | 2,372 |
| Net loans and leases to deposits | 100.9558% | 829 |
| Net loans and leases to core deposits | 145.4310% | 626 |
| Total domestic deposits to total assets | 72.8442% | 7,170 |
| Equity capital to assets | 12.5989% | 1,699 |
| Core capital (leverage) ratio | 12.4010% | 1,492 |
| Tier 1 risk-based capital ratio | 16.7055% | 2,235 |
| Total risk-based capital ratio | 17.9589% | 2,199 |
| Memoranda: | ||
| Average total assets | $545,954,800 | 1,270 |
| Average earning assets | $507,534,000 | 1,242 |
| Average equity | $69,473,600 | 940 |
| Average total loans | $399,165,000 | 1,205 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3896% | 5,003 |
| Cost of funding earning assets | 2.3367% | 1,854 |
| Net interest margin | 3.0529% | 6,454 |
| Noninterest income to average assets | 0.4381% | 4,974 |
| Noninterest expense to average assets | 2.7569% | 5,078 |
| Loan and lease loss provision to assets | 0.3539% | 4,201 |
| Net operating income to assets | 0.1101% | 5,435 |
| Return on assets (ROA) | 0.0812% | 5,570 |
| Pretax return on assets | 0.1234% | 5,475 |
| Return on Equity (ROE) | 0.6367% | 5,601 |
| Retained earnings to average equity (ytd only) | 0.6367% | 4,929 |
| Net charge-offs to loans | 0.2589% | 4,431 |
| Credit loss provision to net charge-offs | 188.0052% | 2,417 |
| Earnings coverage of net charge-offs (x) | 2.7679% | 3,847 |
| Efficiency ratio | 84.1057% | 2,282 |
| Assets per employee ($millions) | 5.1107% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 5,566 |
| Loan loss allowance to noncurrent loans | 93.0992% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 4,841 |
| Noncurrent loans to loans | 1.2079% | 4,930 |
| Net loans and leases to total assets | 73.7538% | 2,600 |
| Net loans and leases to deposits | 103.3047% | 822 |
| Net loans and leases to core deposits | 146.4337% | 673 |
| Total domestic deposits to total assets | 71.3944% | 7,290 |
| Equity capital to assets | 12.9091% | 1,729 |
| Core capital (leverage) ratio | 12.6975% | 1,501 |
| Tier 1 risk-based capital ratio | 17.1528% | 2,230 |
| Total risk-based capital ratio | 18.2958% | 2,210 |
| Memoranda: | ||
| Average total assets | $543,302,000 | 1,284 |
| Average earning assets | $505,382,750 | 1,261 |
| Average equity | $69,311,750 | 957 |
| Average total loans | $395,067,000 | 1,231 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4033% | 5,137 |
| Cost of funding earning assets | 2.4086% | 1,935 |
| Net interest margin | 2.9947% | 6,566 |
| Noninterest income to average assets | 0.5073% | 4,383 |
| Noninterest expense to average assets | 2.8086% | 4,928 |
| Loan and lease loss provision to assets | 0.2214% | 4,817 |
| Net operating income to assets | 0.1656% | 5,365 |
| Return on assets (ROA) | 0.1236% | 5,600 |
| Pretax return on assets | 0.1941% | 5,482 |
| Return on Equity (ROE) | 0.9726% | 5,642 |
| Retained earnings to average equity (ytd only) | 0.9726% | 4,791 |
| Net charge-offs to loans | 0.3936% | 3,235 |
| Credit loss provision to net charge-offs | 78.0234% | 5,247 |
| Earnings coverage of net charge-offs (x) | 1.6957% | 4,281 |
| Efficiency ratio | 85.3762% | 2,310 |
| Assets per employee ($millions) | 5.0150% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 6,522 |
| Loan loss allowance to noncurrent loans | 95.6311% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 5,049 |
| Noncurrent loans to loans | 1.0003% | 5,205 |
| Net loans and leases to total assets | 70.8984% | 3,488 |
| Net loans and leases to deposits | 101.3528% | 1,132 |
| Net loans and leases to core deposits | 141.9215% | 934 |
| Total domestic deposits to total assets | 69.9521% | 7,478 |
| Equity capital to assets | 12.7423% | 1,817 |
| Core capital (leverage) ratio | 12.3538% | 1,670 |
| Tier 1 risk-based capital ratio | 17.3706% | 2,187 |
| Total risk-based capital ratio | 18.3283% | 2,224 |
| Memoranda: | ||
| Average total assets | $542,120,000 | 1,306 |
| Average earning assets | $503,694,670 | 1,278 |
| Average equity | $68,884,670 | 969 |
| Average total loans | $390,786,670 | 1,270 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 5,465 |
| Cost of funding earning assets | 2.4416% | 2,136 |
| Net interest margin | 2.9510% | 6,612 |
| Noninterest income to average assets | 0.5023% | 4,304 |
| Noninterest expense to average assets | 2.7518% | 4,771 |
| Loan and lease loss provision to assets | 0.2223% | 4,226 |
| Net operating income to assets | 0.1538% | 5,809 |
| Return on assets (ROA) | 0.0689% | 6,229 |
| Pretax return on assets | 0.1430% | 6,069 |
| Return on Equity (ROE) | 0.5431% | 6,266 |
| Retained earnings to average equity (ytd only) | 0.5431% | 5,440 |
| Net charge-offs to loans | 0.2120% | 3,364 |
| Credit loss provision to net charge-offs | 144.9275% | 2,847 |
| Earnings coverage of net charge-offs (x) | 3.2464% | 3,234 |
| Efficiency ratio | 84.6785% | 2,226 |
| Assets per employee ($millions) | 5.1407% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 5,933 |
| Loan loss allowance to noncurrent loans | 69.0636% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 4,449 |
| Noncurrent loans to loans | 1.4920% | 4,053 |
| Net loans and leases to total assets | 69.2869% | 3,846 |
| Net loans and leases to deposits | 100.4174% | 1,351 |
| Net loans and leases to core deposits | 149.2471% | 733 |
| Total domestic deposits to total assets | 68.9989% | 7,518 |
| Equity capital to assets | 12.4179% | 2,020 |
| Core capital (leverage) ratio | 12.8130% | 1,552 |
| Tier 1 risk-based capital ratio | 16.8026% | 2,403 |
| Total risk-based capital ratio | 17.7857% | 2,440 |
| Memoranda: | ||
| Average total assets | $539,865,000 | 1,314 |
| Average earning assets | $502,617,500 | 1,289 |
| Average equity | $68,500,500 | 981 |
| Average total loans | $390,532,500 | 1,278 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7094% | 6,748 |
| Cost of funding earning assets | 2.8867% | 2,324 |
| Net interest margin | 2.8228% | 7,292 |
| Noninterest income to average assets | 0.4670% | 4,908 |
| Noninterest expense to average assets | 2.5596% | 5,793 |
| Loan and lease loss provision to assets | 0.2534% | 4,384 |
| Net operating income to assets | 0.2195% | 5,789 |
| Return on assets (ROA) | 0.1977% | 5,671 |
| Pretax return on assets | 0.2745% | 5,562 |
| Return on Equity (ROE) | 1.4890% | 5,772 |
| Retained earnings to average equity (ytd only) | 1.4890% | 4,332 |
| Net charge-offs to loans | 0.0974% | 5,352 |
| Credit loss provision to net charge-offs | 363.3053% | 1,220 |
| Earnings coverage of net charge-offs (x) | 8.0028% | 2,966 |
| Efficiency ratio | 82.0956% | 2,290 |
| Assets per employee ($millions) | 5.0436% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,085 |
| Loan loss allowance to noncurrent loans | 59.3807% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2560% | 3,715 |
| Noncurrent loans to loans | 1.6790% | 3,252 |
| Net loans and leases to total assets | 74.0601% | 3,087 |
| Net loans and leases to deposits | 111.7373% | 723 |
| Net loans and leases to core deposits | 161.5977% | 543 |
| Total domestic deposits to total assets | 66.2805% | 7,640 |
| Equity capital to assets | 12.9748% | 1,800 |
| Core capital (leverage) ratio | 13.1091% | 1,518 |
| Tier 1 risk-based capital ratio | 17.7185% | 2,113 |
| Total risk-based capital ratio | 18.7349% | 2,122 |
| Memoranda: | ||
| Average total assets | $511,803,400 | 1,321 |
| Average earning assets | $480,624,400 | 1,283 |
| Average equity | $67,964,400 | 983 |
| Average total loans | $366,512,200 | 1,323 |