Home > Heritage Bank of Central Illinois > Performance and Condition Ratios
Heritage Bank of Central Illinois, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6318% | 6,045 |
| Cost of funding earning assets | 0.0474% | 5,991 |
| Net interest margin | 0.5844% | 6,045 |
| Noninterest income to average assets | 0.0964% | 5,796 |
| Noninterest expense to average assets | 0.9585% | 6,011 |
| Loan and lease loss provision to assets | 0.0157% | 3,799 |
| Net operating income to assets | -0.3276% | 5,887 |
| Return on assets (ROA) | -0.3276% | 5,898 |
| Pretax return on assets | -0.3276% | 5,888 |
| Return on Equity (ROE) | -2.9683% | 5,895 |
| Retained earnings to average equity (ytd only) | -2.9683% | 5,628 |
| Net charge-offs to loans | 0.0036% | 3,581 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | -132.6667% | 3,684 |
| Efficiency ratio | 144.7273% | 45 |
| Assets per employee ($millions) | 4.4206% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0101% | 6,005 |
| Loan loss allowance to noncurrent loans | 0.3152% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 2.3819% | 611 |
| Noncurrent loans to loans | 3.1985% | 443 |
| Net loans and leases to total assets | 65.7556% | 3,113 |
| Net loans and leases to deposits | 81.0616% | 2,809 |
| Net loans and leases to core deposits | 82.0866% | 3,261 |
| Total domestic deposits to total assets | 81.1180% | 4,237 |
| Equity capital to assets | 10.7835% | 3,305 |
| Core capital (leverage) ratio | 10.0101% | 3,552 |
| Tier 1 risk-based capital ratio | 14.6603% | 3,227 |
| Total risk-based capital ratio | 14.6701% | 3,862 |
| Memoranda: | ||
| Average total assets | $255,195,000 | 2,484 |
| Average earning assets | $240,258,670 | 2,448 |
| Average equity | $28,164,670 | 2,522 |
| Average total loans | $166,729,670 | 2,453 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,439 |
| Cost of funding earning assets | 0.4628% | 2,438 |
| Net interest margin | 3.2008% | 4,577 |
| Noninterest income to average assets | 0.4933% | 3,169 |
| Noninterest expense to average assets | 2.8217% | 2,989 |
| Loan and lease loss provision to assets | -0.5452% | 6,089 |
| Net operating income to assets | 0.8329% | 3,073 |
| Return on assets (ROA) | 1.2145% | 1,612 |
| Pretax return on assets | 1.7691% | 900 |
| Return on Equity (ROE) | 10.8785% | 1,636 |
| Retained earnings to average equity (ytd only) | -10.2312% | 5,808 |
| Net charge-offs to loans | 0.5887% | 374 |
| Credit loss provision to net charge-offs | -142.2131% | 4,292 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 2,775 |
| Efficiency ratio | 80.7917% | 1,512 |
| Assets per employee ($millions) | 4.2118% | 3,569 |
| Cash dividends to net income (ytd only)* | 194.0492% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,868 |
| Loan loss allowance to noncurrent loans | 48.0842% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.6145% | 549 |
| Noncurrent loans to loans | 3.1753% | 484 |
| Net loans and leases to total assets | 64.6980% | 3,153 |
| Net loans and leases to deposits | 80.2751% | 2,756 |
| Net loans and leases to core deposits | 81.3086% | 3,200 |
| Total domestic deposits to total assets | 80.5954% | 4,608 |
| Equity capital to assets | 11.0911% | 2,836 |
| Core capital (leverage) ratio | 10.1227% | 3,402 |
| Tier 1 risk-based capital ratio | 14.6413% | 3,316 |
| Total risk-based capital ratio | 15.8995% | 3,255 |
| Memoranda: | ||
| Average total assets | $254,596,500 | 2,504 |
| Average earning assets | $238,564,000 | 2,474 |
| Average equity | $28,423,000 | 2,493 |
| Average total loans | $165,790,000 | 2,458 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,001 |
| Cost of funding earning assets | 0.4459% | 2,670 |
| Net interest margin | 3.3685% | 4,044 |
| Noninterest income to average assets | 0.6226% | 2,604 |
| Noninterest expense to average assets | 3.1125% | 2,196 |
| Loan and lease loss provision to assets | 0.7902% | 122 |
| Net operating income to assets | -0.0601% | 5,906 |
| Return on assets (ROA) | 0.1092% | 5,785 |
| Pretax return on assets | 0.1134% | 5,786 |
| Return on Equity (ROE) | 0.9870% | 5,770 |
| Retained earnings to average equity (ytd only) | 0.9870% | 5,122 |
| Net charge-offs to loans | 1.2414% | 142 |
| Credit loss provision to net charge-offs | 90.5693% | 2,752 |
| Earnings coverage of net charge-offs (x) | 0.8336% | 4,173 |
| Efficiency ratio | 81.0587% | 1,528 |
| Assets per employee ($millions) | 4.1369% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 976 |
| Loan loss allowance to noncurrent loans | 54.0363% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.6555% | 563 |
| Noncurrent loans to loans | 3.4945% | 403 |
| Net loans and leases to total assets | 63.3261% | 3,371 |
| Net loans and leases to deposits | 79.0810% | 2,934 |
| Net loans and leases to core deposits | 79.7770% | 3,373 |
| Total domestic deposits to total assets | 80.0776% | 4,727 |
| Equity capital to assets | 11.2357% | 2,609 |
| Core capital (leverage) ratio | 10.1761% | 3,290 |
| Tier 1 risk-based capital ratio | 15.1220% | 3,119 |
| Total risk-based capital ratio | 16.3881% | 3,043 |
| Memoranda: | ||
| Average total assets | $263,714,800 | 2,391 |
| Average earning assets | $251,865,200 | 2,328 |
| Average equity | $29,180,800 | 2,381 |
| Average total loans | $185,360,400 | 2,190 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 3,866 |
| Cost of funding earning assets | 0.4434% | 2,756 |
| Net interest margin | 3.4235% | 3,864 |
| Noninterest income to average assets | 0.6588% | 2,432 |
| Noninterest expense to average assets | 3.1243% | 2,156 |
| Loan and lease loss provision to assets | 0.6678% | 123 |
| Net operating income to assets | 0.1272% | 5,810 |
| Return on assets (ROA) | 0.1978% | 5,742 |
| Pretax return on assets | 0.2154% | 5,770 |
| Return on Equity (ROE) | 1.7946% | 5,714 |
| Retained earnings to average equity (ytd only) | 1.7946% | 4,982 |
| Net charge-offs to loans | 0.2389% | 1,096 |
| Credit loss provision to net charge-offs | 390.0293% | 777 |
| Earnings coverage of net charge-offs (x) | 4.7096% | 3,307 |
| Efficiency ratio | 79.4839% | 1,731 |
| Assets per employee ($millions) | 3.8032% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3750% | 519 |
| Loan loss allowance to noncurrent loans | 48.0799% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 4.0558% | 287 |
| Noncurrent loans to loans | 4.9397% | 213 |
| Net loans and leases to total assets | 68.8545% | 2,551 |
| Net loans and leases to deposits | 85.8917% | 2,155 |
| Net loans and leases to core deposits | 86.6380% | 2,786 |
| Total domestic deposits to total assets | 80.1643% | 4,706 |
| Equity capital to assets | 11.3512% | 2,644 |
| Core capital (leverage) ratio | 10.2045% | 3,368 |
| Tier 1 risk-based capital ratio | 14.0095% | 3,841 |
| Total risk-based capital ratio | 15.2794% | 3,774 |
| Memoranda: | ||
| Average total assets | $265,522,250 | 2,398 |
| Average earning assets | $253,770,000 | 2,329 |
| Average equity | $29,271,500 | 2,386 |
| Average total loans | $190,313,500 | 2,172 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 3,953 |
| Cost of funding earning assets | 0.4346% | 2,899 |
| Net interest margin | 3.3963% | 3,921 |
| Noninterest income to average assets | 0.6698% | 2,358 |
| Noninterest expense to average assets | 3.1132% | 2,206 |
| Loan and lease loss provision to assets | 0.5526% | 169 |
| Net operating income to assets | 0.2098% | 5,671 |
| Return on assets (ROA) | 0.3047% | 5,528 |
| Pretax return on assets | 0.3689% | 5,539 |
| Return on Equity (ROE) | 2.7904% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.7904% | 4,268 |
| Net charge-offs to loans | 0.8800% | 234 |
| Credit loss provision to net charge-offs | 87.1614% | 2,241 |
| Earnings coverage of net charge-offs (x) | 1.2733% | 3,544 |
| Efficiency ratio | 79.4095% | 1,852 |
| Assets per employee ($millions) | 3.4815% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 1,585 |
| Loan loss allowance to noncurrent loans | 34.2839% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 3.7756% | 363 |
| Noncurrent loans to loans | 4.9723% | 234 |
| Net loans and leases to total assets | 70.4775% | 2,248 |
| Net loans and leases to deposits | 88.8146% | 1,742 |
| Net loans and leases to core deposits | 89.5745% | 2,387 |
| Total domestic deposits to total assets | 79.3534% | 5,013 |
| Equity capital to assets | 11.0419% | 2,843 |
| Core capital (leverage) ratio | 10.0022% | 3,601 |
| Tier 1 risk-based capital ratio | 13.4319% | 4,257 |
| Total risk-based capital ratio | 14.6944% | 4,181 |
| Memoranda: | ||
| Average total assets | $267,824,670 | 2,392 |
| Average earning assets | $256,337,330 | 2,323 |
| Average equity | $29,243,330 | 2,401 |
| Average total loans | $192,951,330 | 2,154 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 3,844 |
| Cost of funding earning assets | 0.4219% | 3,046 |
| Net interest margin | 3.4232% | 3,743 |
| Noninterest income to average assets | 0.5330% | 3,067 |
| Noninterest expense to average assets | 2.9884% | 2,624 |
| Loan and lease loss provision to assets | 0.2776% | 552 |
| Net operating income to assets | 0.3809% | 5,139 |
| Return on assets (ROA) | 0.4973% | 4,816 |
| Pretax return on assets | 0.7096% | 4,560 |
| Return on Equity (ROE) | 4.5801% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.5801% | 3,279 |
| Net charge-offs to loans | -0.2323% | 6,089 |
| Credit loss provision to net charge-offs | -165.4867% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4489% | 2,124 |
| Assets per employee ($millions) | 3.5396% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 1,328 |
| Loan loss allowance to noncurrent loans | 34.3161% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 4.1165% | 361 |
| Noncurrent loans to loans | 5.4660% | 216 |
| Net loans and leases to total assets | 70.8423% | 2,011 |
| Net loans and leases to deposits | 89.9970% | 1,396 |
| Net loans and leases to core deposits | 90.8287% | 2,050 |
| Total domestic deposits to total assets | 78.7163% | 5,315 |
| Equity capital to assets | 10.9586% | 3,016 |
| Core capital (leverage) ratio | 9.9384% | 3,679 |
| Tier 1 risk-based capital ratio | 13.1891% | 4,506 |
| Total risk-based capital ratio | 14.4531% | 4,412 |
| Memoranda: | ||
| Average total assets | $269,441,500 | 2,392 |
| Average earning assets | $257,889,500 | 2,323 |
| Average equity | $29,257,000 | 2,416 |
| Average total loans | $194,571,500 | 2,133 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 4,168 |
| Cost of funding earning assets | 0.4333% | 3,353 |
| Net interest margin | 3.4540% | 3,964 |
| Noninterest income to average assets | 0.6643% | 2,483 |
| Noninterest expense to average assets | 3.0967% | 2,526 |
| Loan and lease loss provision to assets | 0.2547% | 882 |
| Net operating income to assets | 0.7403% | 3,679 |
| Return on assets (ROA) | 0.7618% | 3,661 |
| Pretax return on assets | 0.6407% | 4,807 |
| Return on Equity (ROE) | 7.2311% | 3,499 |
| Retained earnings to average equity (ytd only) | 0.9289% | 5,364 |
| Net charge-offs to loans | 0.1679% | 2,356 |
| Credit loss provision to net charge-offs | 211.4804% | 1,167 |
| Earnings coverage of net charge-offs (x) | 7.2568% | 3,058 |
| Efficiency ratio | 77.9183% | 2,220 |
| Assets per employee ($millions) | 3.5454% | 4,829 |
| Cash dividends to net income (ytd only)* | 87.1538% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 1,737 |
| Loan loss allowance to noncurrent loans | 30.7205% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 4.2033% | 389 |
| Noncurrent loans to loans | 5.5827% | 229 |
| Net loans and leases to total assets | 71.1003% | 2,058 |
| Net loans and leases to deposits | 92.4682% | 1,239 |
| Net loans and leases to core deposits | 93.6021% | 1,944 |
| Total domestic deposits to total assets | 76.8917% | 5,614 |
| Equity capital to assets | 10.7752% | 3,151 |
| Core capital (leverage) ratio | 9.9075% | 3,700 |
| Tier 1 risk-based capital ratio | 14.2576% | 3,927 |
| Total risk-based capital ratio | 15.5139% | 3,852 |
| Memoranda: | ||
| Average total assets | $274,875,800 | 2,321 |
| Average earning assets | $263,113,800 | 2,251 |
| Average equity | $28,958,200 | 2,350 |
| Average total loans | $197,136,800 | 2,060 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 4,291 |
| Cost of funding earning assets | 0.4312% | 3,452 |
| Net interest margin | 3.4368% | 4,083 |
| Noninterest income to average assets | 0.6796% | 2,424 |
| Noninterest expense to average assets | 3.0751% | 2,544 |
| Loan and lease loss provision to assets | 0.2018% | 1,176 |
| Net operating income to assets | 0.6922% | 3,982 |
| Return on assets (ROA) | 0.7206% | 3,940 |
| Pretax return on assets | 0.7206% | 4,631 |
| Return on Equity (ROE) | 6.8786% | 3,772 |
| Retained earnings to average equity (ytd only) | 3.5383% | 4,127 |
| Net charge-offs to loans | 0.1396% | 2,400 |
| Credit loss provision to net charge-offs | 201.9324% | 1,253 |
| Earnings coverage of net charge-offs (x) | 8.9470% | 2,734 |
| Efficiency ratio | 77.3805% | 2,291 |
| Assets per employee ($millions) | 3.3487% | 5,148 |
| Cash dividends to net income (ytd only)* | 48.5597% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 2,290 |
| Loan loss allowance to noncurrent loans | 21.4089% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 5.6429% | 260 |
| Noncurrent loans to loans | 7.4955% | 147 |
| Net loans and leases to total assets | 72.0003% | 1,852 |
| Net loans and leases to deposits | 93.3617% | 1,089 |
| Net loans and leases to core deposits | 94.6715% | 1,787 |
| Total domestic deposits to total assets | 77.1197% | 5,657 |
| Equity capital to assets | 10.9201% | 3,046 |
| Core capital (leverage) ratio | 10.2016% | 3,411 |
| Tier 1 risk-based capital ratio | 14.1723% | 4,096 |
| Total risk-based capital ratio | 15.4270% | 4,024 |
| Memoranda: | ||
| Average total assets | $276,231,500 | 2,325 |
| Average earning assets | $264,385,750 | 2,255 |
| Average equity | $28,939,250 | 2,356 |
| Average total loans | $197,689,750 | 2,071 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 4,507 |
| Cost of funding earning assets | 0.4334% | 3,509 |
| Net interest margin | 3.3719% | 4,304 |
| Noninterest income to average assets | 0.6995% | 2,282 |
| Noninterest expense to average assets | 3.0825% | 2,559 |
| Loan and lease loss provision to assets | 0.2980% | 661 |
| Net operating income to assets | 0.5441% | 4,630 |
| Return on assets (ROA) | 0.5642% | 4,629 |
| Pretax return on assets | 0.5642% | 5,080 |
| Return on Equity (ROE) | 5.4611% | 4,457 |
| Retained earnings to average equity (ytd only) | 0.4110% | 5,573 |
| Net charge-offs to loans | 0.1206% | 2,468 |
| Credit loss provision to net charge-offs | 347.8992% | 768 |
| Earnings coverage of net charge-offs (x) | 9.8319% | 2,310 |
| Efficiency ratio | 78.3972% | 2,245 |
| Assets per employee ($millions) | 3.1723% | 5,468 |
| Cash dividends to net income (ytd only)* | 92.4745% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 2,215 |
| Loan loss allowance to noncurrent loans | 25.8133% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 4.8620% | 378 |
| Noncurrent loans to loans | 6.4842% | 216 |
| Net loans and leases to total assets | 71.2189% | 1,879 |
| Net loans and leases to deposits | 91.0231% | 1,267 |
| Net loans and leases to core deposits | 93.3169% | 1,838 |
| Total domestic deposits to total assets | 78.2426% | 5,592 |
| Equity capital to assets | 10.7391% | 3,157 |
| Core capital (leverage) ratio | 9.8663% | 3,788 |
| Tier 1 risk-based capital ratio | 14.0555% | 4,227 |
| Total risk-based capital ratio | 15.3109% | 4,147 |
| Memoranda: | ||
| Average total assets | $277,894,670 | 2,310 |
| Average earning assets | $265,785,000 | 2,237 |
| Average equity | $28,712,330 | 2,361 |
| Average total loans | $197,426,330 | 2,069 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 4,068 |
| Cost of funding earning assets | 0.4408% | 3,526 |
| Net interest margin | 3.4639% | 3,845 |
| Noninterest income to average assets | 0.5290% | 3,197 |
| Noninterest expense to average assets | 3.0310% | 2,763 |
| Loan and lease loss provision to assets | 0.3007% | 641 |
| Net operating income to assets | 0.5078% | 4,650 |
| Return on assets (ROA) | 0.5078% | 4,730 |
| Pretax return on assets | 0.5078% | 5,148 |
| Return on Equity (ROE) | 5.0087% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.6097% | 3,965 |
| Net charge-offs to loans | 0.6932% | 527 |
| Credit loss provision to net charge-offs | 61.6279% | 2,085 |
| Earnings coverage of net charge-offs (x) | 1.6570% | 3,049 |
| Efficiency ratio | 78.6479% | 2,381 |
| Assets per employee ($millions) | 3.2437% | 5,458 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 3,400 |
| Loan loss allowance to noncurrent loans | 35.2081% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 3.1692% | 859 |
| Noncurrent loans to loans | 4.0977% | 643 |
| Net loans and leases to total assets | 69.5962% | 1,967 |
| Net loans and leases to deposits | 87.7810% | 1,381 |
| Net loans and leases to core deposits | 89.6877% | 1,937 |
| Total domestic deposits to total assets | 79.2839% | 5,634 |
| Equity capital to assets | 10.3577% | 3,387 |
| Core capital (leverage) ratio | 9.5822% | 4,157 |
| Tier 1 risk-based capital ratio | 13.7452% | 4,504 |
| Total risk-based capital ratio | 14.9975% | 4,457 |
| Memoranda: | ||
| Average total assets | $282,021,000 | 2,286 |
| Average earning assets | $269,521,500 | 2,221 |
| Average equity | $28,590,000 | 2,362 |
| Average total loans | $198,487,000 | 2,063 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 3,900 |
| Cost of funding earning assets | 0.4625% | 3,994 |
| Net interest margin | 3.5930% | 3,492 |
| Noninterest income to average assets | 0.5788% | 3,217 |
| Noninterest expense to average assets | 3.4347% | 1,806 |
| Loan and lease loss provision to assets | 2.3831% | 32 |
| Net operating income to assets | -1.4324% | 6,667 |
| Return on assets (ROA) | -1.3808% | 6,660 |
| Pretax return on assets | -1.7193% | 6,684 |
| Return on Equity (ROE) | -12.1537% | 6,609 |
| Retained earnings to average equity (ytd only) | -14.5681% | 6,612 |
| Net charge-offs to loans | 3.4388% | 59 |
| Credit loss provision to net charge-offs | 99.3425% | 2,495 |
| Earnings coverage of net charge-offs (x) | 0.2499% | 5,003 |
| Efficiency ratio | 84.7514% | 1,544 |
| Assets per employee ($millions) | 3.4347% | 5,014 |
| Cash dividends to net income (ytd only)* | -19.8659% | 6,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,257 |
| Loan loss allowance to noncurrent loans | 40.1675% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 2.9413% | 1,086 |
| Noncurrent loans to loans | 3.7023% | 817 |
| Net loans and leases to total assets | 69.1073% | 2,158 |
| Net loans and leases to deposits | 88.6379% | 1,392 |
| Net loans and leases to core deposits | 90.5510% | 1,958 |
| Total domestic deposits to total assets | 77.9658% | 5,835 |
| Equity capital to assets | 9.9221% | 3,869 |
| Core capital (leverage) ratio | 9.0892% | 4,878 |
| Tier 1 risk-based capital ratio | 13.4097% | 4,713 |
| Total risk-based capital ratio | 14.6625% | 4,659 |
| Memoranda: | ||
| Average total assets | $291,638,000 | 2,200 |
| Average earning assets | $280,459,000 | 2,109 |
| Average equity | $33,134,000 | 2,080 |
| Average total loans | $203,443,200 | 1,977 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 4,026 |
| Cost of funding earning assets | 0.4626% | 4,139 |
| Net interest margin | 3.5631% | 3,606 |
| Noninterest income to average assets | 0.5960% | 3,173 |
| Noninterest expense to average assets | 2.9109% | 3,266 |
| Loan and lease loss provision to assets | 0.5478% | 476 |
| Net operating income to assets | 0.3897% | 5,284 |
| Return on assets (ROA) | 0.4246% | 5,285 |
| Pretax return on assets | 0.6201% | 4,952 |
| Return on Equity (ROE) | 3.6257% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.6257% | 4,112 |
| Net charge-offs to loans | 0.2578% | 2,264 |
| Credit loss provision to net charge-offs | 305.0633% | 831 |
| Earnings coverage of net charge-offs (x) | 6.2178% | 3,013 |
| Efficiency ratio | 71.8930% | 3,423 |
| Assets per employee ($millions) | 3.6141% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8690% | 2,088 |
| Loan loss allowance to noncurrent loans | 28.5992% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 4.7821% | 607 |
| Noncurrent loans to loans | 6.5350% | 347 |
| Net loans and leases to total assets | 67.8573% | 2,315 |
| Net loans and leases to deposits | 87.3230% | 1,454 |
| Net loans and leases to core deposits | 89.1391% | 2,058 |
| Total domestic deposits to total assets | 77.7083% | 5,944 |
| Equity capital to assets | 11.5636% | 2,253 |
| Core capital (leverage) ratio | 11.4181% | 2,107 |
| Tier 1 risk-based capital ratio | 16.4871% | 2,938 |
| Total risk-based capital ratio | 17.7449% | 2,902 |
| Memoranda: | ||
| Average total assets | $293,277,500 | 2,200 |
| Average earning assets | $282,441,750 | 2,107 |
| Average equity | $34,346,000 | 2,020 |
| Average total loans | $204,307,750 | 1,980 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,984 |
| Cost of funding earning assets | 0.4639% | 4,271 |
| Net interest margin | 3.5716% | 3,481 |
| Noninterest income to average assets | 0.6405% | 2,962 |
| Noninterest expense to average assets | 2.9221% | 3,267 |
| Loan and lease loss provision to assets | 0.2053% | 1,840 |
| Net operating income to assets | 0.6218% | 4,191 |
| Return on assets (ROA) | 0.6720% | 4,113 |
| Pretax return on assets | 1.0313% | 3,369 |
| Return on Equity (ROE) | 5.7140% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.7140% | 2,603 |
| Net charge-offs to loans | 0.3145% | 1,929 |
| Credit loss provision to net charge-offs | 93.4579% | 2,363 |
| Earnings coverage of net charge-offs (x) | 5.2773% | 2,926 |
| Efficiency ratio | 71.2106% | 3,612 |
| Assets per employee ($millions) | 3.3824% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 3,675 |
| Loan loss allowance to noncurrent loans | 22.9685% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 4.6475% | 689 |
| Noncurrent loans to loans | 6.4432% | 408 |
| Net loans and leases to total assets | 68.6340% | 2,116 |
| Net loans and leases to deposits | 87.3183% | 1,424 |
| Net loans and leases to core deposits | 89.1540% | 1,989 |
| Total domestic deposits to total assets | 78.6021% | 5,871 |
| Equity capital to assets | 11.7489% | 2,089 |
| Core capital (leverage) ratio | 11.6826% | 1,813 |
| Tier 1 risk-based capital ratio | 16.6088% | 2,883 |
| Total risk-based capital ratio | 17.8617% | 2,845 |
| Memoranda: | ||
| Average total assets | $292,252,330 | 2,208 |
| Average earning assets | $281,551,670 | 2,120 |
| Average equity | $34,371,670 | 2,025 |
| Average total loans | $204,101,330 | 1,982 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,833 |
| Cost of funding earning assets | 0.4706% | 4,364 |
| Net interest margin | 3.6018% | 3,258 |
| Noninterest income to average assets | 0.6609% | 2,812 |
| Noninterest expense to average assets | 2.9112% | 3,305 |
| Loan and lease loss provision to assets | 0.3072% | 1,112 |
| Net operating income to assets | 0.6008% | 4,208 |
| Return on assets (ROA) | 0.6008% | 4,362 |
| Pretax return on assets | 0.9121% | 3,717 |
| Return on Equity (ROE) | 5.1060% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.1060% | 3,174 |
| Net charge-offs to loans | 0.4765% | 1,251 |
| Credit loss provision to net charge-offs | 92.2131% | 1,982 |
| Earnings coverage of net charge-offs (x) | 3.6598% | 2,709 |
| Efficiency ratio | 70.1157% | 3,948 |
| Assets per employee ($millions) | 3.3410% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 3,877 |
| Loan loss allowance to noncurrent loans | 32.8841% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 3.1805% | 1,373 |
| Noncurrent loans to loans | 4.5282% | 917 |
| Net loans and leases to total assets | 67.5270% | 2,105 |
| Net loans and leases to deposits | 86.4147% | 1,303 |
| Net loans and leases to core deposits | 88.5641% | 1,850 |
| Total domestic deposits to total assets | 78.1429% | 6,096 |
| Equity capital to assets | 11.7921% | 2,179 |
| Core capital (leverage) ratio | 11.3606% | 1,967 |
| Tier 1 risk-based capital ratio | 16.5916% | 2,955 |
| Total risk-based capital ratio | 17.8447% | 2,916 |
| Memoranda: | ||
| Average total assets | $292,934,500 | 2,238 |
| Average earning assets | $282,194,500 | 2,138 |
| Average equity | $34,469,500 | 2,052 |
| Average total loans | $204,828,500 | 1,987 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 4,322 |
| Cost of funding earning assets | 0.6050% | 4,298 |
| Net interest margin | 3.6639% | 3,807 |
| Noninterest income to average assets | 0.6879% | 2,784 |
| Noninterest expense to average assets | 2.8802% | 3,717 |
| Loan and lease loss provision to assets | 0.8478% | 556 |
| Net operating income to assets | 0.3568% | 5,267 |
| Return on assets (ROA) | 0.3701% | 5,451 |
| Pretax return on assets | 0.5099% | 5,254 |
| Return on Equity (ROE) | 3.2398% | 5,452 |
| Retained earnings to average equity (ytd only) | -2.4391% | 6,218 |
| Net charge-offs to loans | 1.7162% | 481 |
| Credit loss provision to net charge-offs | 70.0429% | 4,162 |
| Earnings coverage of net charge-offs (x) | 1.1066% | 4,906 |
| Efficiency ratio | 67.9016% | 4,165 |
| Assets per employee ($millions) | 3.2793% | 5,456 |
| Cash dividends to net income (ytd only)* | 175.2848% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,934 |
| Loan loss allowance to noncurrent loans | 34.6171% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 3.1491% | 1,482 |
| Noncurrent loans to loans | 4.1918% | 1,082 |
| Net loans and leases to total assets | 70.2737% | 1,790 |
| Net loans and leases to deposits | 88.0412% | 1,269 |
| Net loans and leases to core deposits | 90.2117% | 1,810 |
| Total domestic deposits to total assets | 79.8190% | 5,712 |
| Equity capital to assets | 11.7416% | 2,234 |
| Core capital (leverage) ratio | 10.6832% | 2,563 |
| Tier 1 risk-based capital ratio | 16.0887% | 3,116 |
| Total risk-based capital ratio | 17.3418% | 3,066 |
| Memoranda: | ||
| Average total assets | $308,312,000 | 2,088 |
| Average earning assets | $297,196,200 | 1,991 |
| Average equity | $35,218,400 | 1,958 |
| Average total loans | $217,461,600 | 1,862 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 4,617 |
| Cost of funding earning assets | 0.6275% | 4,388 |
| Net interest margin | 3.6300% | 4,101 |
| Noninterest income to average assets | 0.6832% | 2,796 |
| Noninterest expense to average assets | 2.8213% | 3,909 |
| Loan and lease loss provision to assets | 0.9743% | 424 |
| Net operating income to assets | 0.2851% | 5,665 |
| Return on assets (ROA) | 0.3026% | 5,811 |
| Pretax return on assets | 0.4122% | 5,692 |
| Return on Equity (ROE) | 2.6662% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.6662% | 4,961 |
| Net charge-offs to loans | 1.4207% | 628 |
| Credit loss provision to net charge-offs | 97.4808% | 3,072 |
| Earnings coverage of net charge-offs (x) | 1.3634% | 4,615 |
| Efficiency ratio | 67.0849% | 4,233 |
| Assets per employee ($millions) | 3.5786% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8802% | 2,544 |
| Loan loss allowance to noncurrent loans | 28.4866% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 4.6832% | 976 |
| Noncurrent loans to loans | 6.6002% | 574 |
| Net loans and leases to total assets | 66.8352% | 2,494 |
| Net loans and leases to deposits | 82.0940% | 2,107 |
| Net loans and leases to core deposits | 83.7878% | 2,722 |
| Total domestic deposits to total assets | 81.4130% | 5,228 |
| Equity capital to assets | 11.3232% | 2,911 |
| Core capital (leverage) ratio | 10.9870% | 2,399 |
| Tier 1 risk-based capital ratio | 16.2037% | 3,165 |
| Total risk-based capital ratio | 17.4623% | 3,130 |
| Memoranda: | ||
| Average total assets | $312,425,250 | 2,078 |
| Average earning assets | $301,293,500 | 1,977 |
| Average equity | $35,455,750 | 1,962 |
| Average total loans | $219,797,000 | 1,853 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 4,411 |
| Cost of funding earning assets | 0.6654% | 4,316 |
| Net interest margin | 3.6760% | 3,938 |
| Noninterest income to average assets | 0.7062% | 2,632 |
| Noninterest expense to average assets | 2.8615% | 3,775 |
| Loan and lease loss provision to assets | 0.9549% | 472 |
| Net operating income to assets | 0.3094% | 5,584 |
| Return on assets (ROA) | 0.3351% | 5,699 |
| Pretax return on assets | 0.4710% | 5,513 |
| Return on Equity (ROE) | 2.9501% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.9501% | 4,672 |
| Net charge-offs to loans | 1.1117% | 980 |
| Credit loss provision to net charge-offs | 120.7824% | 2,275 |
| Earnings coverage of net charge-offs (x) | 1.7579% | 4,103 |
| Efficiency ratio | 66.9597% | 4,325 |
| Assets per employee ($millions) | 3.5852% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 2,144 |
| Loan loss allowance to noncurrent loans | 27.7968% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 5.2818% | 871 |
| Noncurrent loans to loans | 7.3157% | 514 |
| Net loans and leases to total assets | 68.6413% | 2,179 |
| Net loans and leases to deposits | 84.1395% | 1,834 |
| Net loans and leases to core deposits | 85.6958% | 2,468 |
| Total domestic deposits to total assets | 81.5804% | 5,273 |
| Equity capital to assets | 11.5878% | 2,502 |
| Core capital (leverage) ratio | 11.2922% | 2,050 |
| Tier 1 risk-based capital ratio | 16.2246% | 3,052 |
| Total risk-based capital ratio | 17.4851% | 3,012 |
| Memoranda: | ||
| Average total assets | $310,401,330 | 2,092 |
| Average earning assets | $299,348,670 | 1,984 |
| Average equity | $35,253,000 | 1,963 |
| Average total loans | $220,747,000 | 1,841 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 4,103 |
| Cost of funding earning assets | 0.7059% | 4,226 |
| Net interest margin | 3.7464% | 3,608 |
| Noninterest income to average assets | 0.7013% | 2,660 |
| Noninterest expense to average assets | 2.8487% | 3,830 |
| Loan and lease loss provision to assets | 1.6504% | 200 |
| Net operating income to assets | -0.0860% | 6,518 |
| Return on assets (ROA) | -0.0745% | 6,599 |
| Pretax return on assets | -0.1670% | 6,643 |
| Return on Equity (ROE) | -0.6626% | 6,596 |
| Retained earnings to average equity (ytd only) | -0.6626% | 6,099 |
| Net charge-offs to loans | 0.1255% | 3,355 |
| Credit loss provision to net charge-offs | 1,835.7143% | 184 |
| Earnings coverage of net charge-offs (x) | 16.3000% | 1,376 |
| Efficiency ratio | 65.6743% | 4,617 |
| Assets per employee ($millions) | 3.5436% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4137% | 1,478 |
| Loan loss allowance to noncurrent loans | 31.2913% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 5.6320% | 861 |
| Noncurrent loans to loans | 7.7136% | 523 |
| Net loans and leases to total assets | 70.2018% | 1,722 |
| Net loans and leases to deposits | 87.1048% | 1,273 |
| Net loans and leases to core deposits | 88.5920% | 1,990 |
| Total domestic deposits to total assets | 80.5946% | 5,703 |
| Equity capital to assets | 11.3834% | 2,541 |
| Core capital (leverage) ratio | 10.6148% | 2,631 |
| Tier 1 risk-based capital ratio | 15.6807% | 3,345 |
| Total risk-based capital ratio | 16.9463% | 3,309 |
| Memoranda: | ||
| Average total assets | $311,440,500 | 2,085 |
| Average earning assets | $300,340,000 | 1,980 |
| Average equity | $35,015,500 | 1,976 |
| Average total loans | $223,105,500 | 1,832 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 4,632 |
| Cost of funding earning assets | 1.0133% | 3,277 |
| Net interest margin | 3.5983% | 4,742 |
| Noninterest income to average assets | 0.5930% | 3,204 |
| Noninterest expense to average assets | 2.7815% | 4,417 |
| Loan and lease loss provision to assets | 0.5983% | 1,725 |
| Net operating income to assets | 0.4483% | 4,656 |
| Return on assets (ROA) | 0.4635% | 4,773 |
| Pretax return on assets | 0.7034% | 4,315 |
| Return on Equity (ROE) | 4.4215% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.4215% | 3,026 |
| Net charge-offs to loans | 1.1146% | 1,542 |
| Credit loss provision to net charge-offs | 75.3339% | 4,663 |
| Earnings coverage of net charge-offs (x) | 1.6100% | 4,567 |
| Efficiency ratio | 68.1546% | 4,327 |
| Assets per employee ($millions) | 3.5749% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 2,731 |
| Loan loss allowance to noncurrent loans | 35.6724% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 3.7655% | 1,543 |
| Noncurrent loans to loans | 5.1686% | 1,070 |
| Net loans and leases to total assets | 70.0258% | 2,023 |
| Net loans and leases to deposits | 91.0449% | 1,049 |
| Net loans and leases to core deposits | 92.6376% | 1,827 |
| Total domestic deposits to total assets | 76.9135% | 6,354 |
| Equity capital to assets | 11.1055% | 2,884 |
| Core capital (leverage) ratio | 10.3723% | 2,877 |
| Tier 1 risk-based capital ratio | 15.2941% | 3,455 |
| Total risk-based capital ratio | 16.5519% | 3,407 |
| Memoranda: | ||
| Average total assets | $320,579,600 | 2,005 |
| Average earning assets | $308,891,600 | 1,901 |
| Average equity | $33,608,400 | 1,983 |
| Average total loans | $228,414,800 | 1,815 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6081% | 4,839 |
| Cost of funding earning assets | 1.0712% | 3,171 |
| Net interest margin | 3.5368% | 5,037 |
| Noninterest income to average assets | 0.5539% | 3,486 |
| Noninterest expense to average assets | 2.7252% | 4,634 |
| Loan and lease loss provision to assets | 0.5986% | 1,645 |
| Net operating income to assets | 0.4226% | 4,894 |
| Return on assets (ROA) | 0.4425% | 5,009 |
| Pretax return on assets | 0.6677% | 4,585 |
| Return on Equity (ROE) | 4.2832% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.2832% | 3,682 |
| Net charge-offs to loans | 1.0647% | 1,495 |
| Credit loss provision to net charge-offs | 78.9301% | 4,174 |
| Earnings coverage of net charge-offs (x) | 1.6299% | 4,421 |
| Efficiency ratio | 68.4398% | 4,227 |
| Assets per employee ($millions) | 3.7267% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 2,493 |
| Loan loss allowance to noncurrent loans | 33.9772% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 3.9308% | 1,565 |
| Noncurrent loans to loans | 5.7216% | 1,003 |
| Net loans and leases to total assets | 67.3657% | 2,601 |
| Net loans and leases to deposits | 86.0310% | 1,686 |
| Net loans and leases to core deposits | 88.3174% | 2,446 |
| Total domestic deposits to total assets | 78.3039% | 6,134 |
| Equity capital to assets | 10.5239% | 3,678 |
| Core capital (leverage) ratio | 10.1347% | 3,264 |
| Tier 1 risk-based capital ratio | 14.9360% | 3,699 |
| Total risk-based capital ratio | 16.1952% | 3,665 |
| Memoranda: | ||
| Average total assets | $322,076,750 | 2,005 |
| Average earning assets | $310,289,000 | 1,901 |
| Average equity | $33,276,250 | 2,000 |
| Average total loans | $229,410,250 | 1,831 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 4,687 |
| Cost of funding earning assets | 1.1181% | 3,104 |
| Net interest margin | 3.5451% | 4,945 |
| Noninterest income to average assets | 0.5248% | 3,664 |
| Noninterest expense to average assets | 2.7571% | 4,604 |
| Loan and lease loss provision to assets | 0.5992% | 1,613 |
| Net operating income to assets | 0.3872% | 5,012 |
| Return on assets (ROA) | 0.4136% | 5,036 |
| Pretax return on assets | 0.6191% | 4,678 |
| Return on Equity (ROE) | 4.0287% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.0287% | 3,637 |
| Net charge-offs to loans | 1.0278% | 1,533 |
| Credit loss provision to net charge-offs | 80.8600% | 3,745 |
| Earnings coverage of net charge-offs (x) | 1.5911% | 4,094 |
| Efficiency ratio | 69.6825% | 4,173 |
| Assets per employee ($millions) | 3.5127% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 2,264 |
| Loan loss allowance to noncurrent loans | 32.1618% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 4.3826% | 1,441 |
| Noncurrent loans to loans | 6.3369% | 902 |
| Net loans and leases to total assets | 67.5112% | 2,711 |
| Net loans and leases to deposits | 85.5823% | 1,844 |
| Net loans and leases to core deposits | 89.0837% | 2,485 |
| Total domestic deposits to total assets | 78.8846% | 6,112 |
| Equity capital to assets | 10.3869% | 3,650 |
| Core capital (leverage) ratio | 10.3799% | 2,852 |
| Tier 1 risk-based capital ratio | 14.5482% | 3,754 |
| Total risk-based capital ratio | 15.8079% | 3,726 |
| Memoranda: | ||
| Average total assets | $320,119,330 | 2,021 |
| Average earning assets | $308,030,330 | 1,926 |
| Average equity | $32,864,000 | 2,010 |
| Average total loans | $230,778,670 | 1,843 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 4,475 |
| Cost of funding earning assets | 1.1821% | 2,929 |
| Net interest margin | 3.5281% | 4,888 |
| Noninterest income to average assets | 0.5198% | 3,732 |
| Noninterest expense to average assets | 2.8211% | 4,370 |
| Loan and lease loss provision to assets | 0.6679% | 1,280 |
| Net operating income to assets | 0.2874% | 5,472 |
| Return on assets (ROA) | 0.3352% | 5,326 |
| Pretax return on assets | 0.4922% | 5,051 |
| Return on Equity (ROE) | 3.2849% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.2849% | 4,217 |
| Net charge-offs to loans | 1.6677% | 798 |
| Credit loss provision to net charge-offs | 54.3412% | 3,666 |
| Earnings coverage of net charge-offs (x) | 0.8866% | 3,982 |
| Efficiency ratio | 71.7817% | 3,917 |
| Assets per employee ($millions) | 3.5032% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 2,748 |
| Loan loss allowance to noncurrent loans | 28.8010% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 4.8098% | 1,325 |
| Noncurrent loans to loans | 6.5423% | 901 |
| Net loans and leases to total assets | 72.1329% | 1,696 |
| Net loans and leases to deposits | 91.4948% | 1,066 |
| Net loans and leases to core deposits | 98.2396% | 1,500 |
| Total domestic deposits to total assets | 78.8382% | 6,230 |
| Equity capital to assets | 10.4756% | 3,205 |
| Core capital (leverage) ratio | 10.0597% | 3,079 |
| Tier 1 risk-based capital ratio | 13.9823% | 4,083 |
| Total risk-based capital ratio | 15.2401% | 4,060 |
| Memoranda: | ||
| Average total assets | $318,595,500 | 2,046 |
| Average earning assets | $306,224,500 | 1,946 |
| Average equity | $32,512,500 | 2,012 |
| Average total loans | $234,811,500 | 1,834 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 4,986 |
| Cost of funding earning assets | 1.5364% | 2,432 |
| Net interest margin | 3.3724% | 5,732 |
| Noninterest income to average assets | 0.4962% | 4,198 |
| Noninterest expense to average assets | 2.6181% | 5,341 |
| Loan and lease loss provision to assets | 1.0327% | 1,565 |
| Net operating income to assets | 0.0855% | 5,622 |
| Return on assets (ROA) | 0.1096% | 5,710 |
| Pretax return on assets | 0.1070% | 5,690 |
| Return on Equity (ROE) | 1.1773% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.1773% | 4,958 |
| Net charge-offs to loans | 1.6049% | 1,353 |
| Credit loss provision to net charge-offs | 88.8697% | 5,177 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 5,149 |
| Efficiency ratio | 69.7673% | 4,228 |
| Assets per employee ($millions) | 3.7838% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9825% | 2,347 |
| Loan loss allowance to noncurrent loans | 29.5273% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 4.9602% | 1,295 |
| Noncurrent loans to loans | 6.7141% | 867 |
| Net loans and leases to total assets | 72.4137% | 2,008 |
| Net loans and leases to deposits | 91.8771% | 1,276 |
| Net loans and leases to core deposits | 100.9801% | 1,537 |
| Total domestic deposits to total assets | 78.8158% | 6,130 |
| Equity capital to assets | 9.9457% | 3,814 |
| Core capital (leverage) ratio | 9.6363% | 3,504 |
| Tier 1 risk-based capital ratio | 13.2310% | 4,431 |
| Total risk-based capital ratio | 14.4900% | 4,373 |
| Memoranda: | ||
| Average total assets | $348,681,600 | 1,873 |
| Average earning assets | $334,748,800 | 1,780 |
| Average equity | $32,448,200 | 2,023 |
| Average total loans | $252,477,800 | 1,745 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 5,037 |
| Cost of funding earning assets | 1.6038% | 2,366 |
| Net interest margin | 3.3464% | 5,858 |
| Noninterest income to average assets | 0.3739% | 5,160 |
| Noninterest expense to average assets | 2.5432% | 5,553 |
| Loan and lease loss provision to assets | 0.6935% | 2,211 |
| Net operating income to assets | 0.2716% | 5,272 |
| Return on assets (ROA) | 0.2851% | 5,388 |
| Pretax return on assets | 0.3656% | 5,327 |
| Return on Equity (ROE) | 3.1126% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.1126% | 4,260 |
| Net charge-offs to loans | 0.7358% | 2,582 |
| Credit loss provision to net charge-offs | 130.7801% | 3,089 |
| Earnings coverage of net charge-offs (x) | 1.9645% | 4,239 |
| Efficiency ratio | 70.5833% | 3,963 |
| Assets per employee ($millions) | 3.8417% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2780% | 1,655 |
| Loan loss allowance to noncurrent loans | 39.1208% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 4.3273% | 1,569 |
| Noncurrent loans to loans | 5.8230% | 1,107 |
| Net loans and leases to total assets | 72.5308% | 2,119 |
| Net loans and leases to deposits | 93.3009% | 1,279 |
| Net loans and leases to core deposits | 104.0617% | 1,481 |
| Total domestic deposits to total assets | 77.7386% | 6,311 |
| Equity capital to assets | 9.9908% | 4,167 |
| Core capital (leverage) ratio | 9.4220% | 4,029 |
| Tier 1 risk-based capital ratio | 13.0271% | 4,559 |
| Total risk-based capital ratio | 14.2899% | 4,528 |
| Memoranda: | ||
| Average total assets | $354,500,000 | 1,867 |
| Average earning assets | $340,177,000 | 1,785 |
| Average equity | $32,469,250 | 2,041 |
| Average total loans | $255,495,750 | 1,753 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 5,073 |
| Cost of funding earning assets | 1.6699% | 2,288 |
| Net interest margin | 3.3017% | 6,015 |
| Noninterest income to average assets | 0.2574% | 6,073 |
| Noninterest expense to average assets | 2.4852% | 5,765 |
| Loan and lease loss provision to assets | 0.6826% | 2,121 |
| Net operating income to assets | 0.1927% | 5,588 |
| Return on assets (ROA) | 0.2032% | 5,681 |
| Pretax return on assets | 0.2680% | 5,603 |
| Return on Equity (ROE) | 2.2822% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.2822% | 4,705 |
| Net charge-offs to loans | 0.7830% | 2,291 |
| Credit loss provision to net charge-offs | 122.0792% | 3,316 |
| Earnings coverage of net charge-offs (x) | 1.6752% | 4,253 |
| Efficiency ratio | 72.2537% | 3,773 |
| Assets per employee ($millions) | 3.9556% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1694% | 1,827 |
| Loan loss allowance to noncurrent loans | 41.5267% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 3.8418% | 1,805 |
| Noncurrent loans to loans | 5.2241% | 1,305 |
| Net loans and leases to total assets | 69.6843% | 2,977 |
| Net loans and leases to deposits | 87.7145% | 2,222 |
| Net loans and leases to core deposits | 99.0656% | 2,116 |
| Total domestic deposits to total assets | 79.4444% | 5,905 |
| Equity capital to assets | 9.3599% | 4,915 |
| Core capital (leverage) ratio | 9.0025% | 4,594 |
| Tier 1 risk-based capital ratio | 12.5553% | 4,809 |
| Total risk-based capital ratio | 13.8165% | 4,778 |
| Memoranda: | ||
| Average total assets | $361,257,000 | 1,850 |
| Average earning assets | $346,241,670 | 1,765 |
| Average equity | $32,161,670 | 2,052 |
| Average total loans | $257,971,000 | 1,764 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 4,822 |
| Cost of funding earning assets | 1.7563% | 2,097 |
| Net interest margin | 3.2864% | 6,019 |
| Noninterest income to average assets | 0.3750% | 5,141 |
| Noninterest expense to average assets | 2.4665% | 5,850 |
| Loan and lease loss provision to assets | 1.1808% | 1,033 |
| Net operating income to assets | -0.0593% | 6,382 |
| Return on assets (ROA) | -0.0579% | 6,464 |
| Pretax return on assets | -0.1235% | 6,487 |
| Return on Equity (ROE) | -0.6674% | 6,486 |
| Retained earnings to average equity (ytd only) | -0.6674% | 5,983 |
| Net charge-offs to loans | -0.0138% | 6,977 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6989% | 4,371 |
| Assets per employee ($millions) | 4.0193% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4565% | 1,353 |
| Loan loss allowance to noncurrent loans | 49.7358% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 3.8125% | 1,821 |
| Noncurrent loans to loans | 4.9391% | 1,473 |
| Net loans and leases to total assets | 69.9996% | 2,941 |
| Net loans and leases to deposits | 88.3754% | 2,166 |
| Net loans and leases to core deposits | 102.8142% | 1,835 |
| Total domestic deposits to total assets | 79.2071% | 6,025 |
| Equity capital to assets | 8.9302% | 5,381 |
| Core capital (leverage) ratio | 8.5303% | 5,321 |
| Tier 1 risk-based capital ratio | 11.9987% | 5,196 |
| Total risk-based capital ratio | 13.2629% | 5,145 |
| Memoranda: | ||
| Average total assets | $365,863,000 | 1,872 |
| Average earning assets | $350,287,000 | 1,782 |
| Average equity | $31,767,000 | 2,099 |
| Average total loans | $261,576,500 | 1,792 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 5,006 |
| Cost of funding earning assets | 2.2443% | 1,858 |
| Net interest margin | 3.0900% | 6,399 |
| Noninterest income to average assets | 0.5242% | 4,221 |
| Noninterest expense to average assets | 2.9094% | 4,506 |
| Loan and lease loss provision to assets | 1.0226% | 2,229 |
| Net operating income to assets | -0.2568% | 5,909 |
| Return on assets (ROA) | -0.2239% | 5,866 |
| Pretax return on assets | -0.4217% | 5,939 |
| Return on Equity (ROE) | -2.8804% | 5,965 |
| Retained earnings to average equity (ytd only) | -5.6405% | 6,103 |
| Net charge-offs to loans | 0.9552% | 2,494 |
| Credit loss provision to net charge-offs | 152.3238% | 3,019 |
| Earnings coverage of net charge-offs (x) | 0.8184% | 5,292 |
| Efficiency ratio | 73.7804% | 3,941 |
| Assets per employee ($millions) | 4.0653% | 3,680 |
| Cash dividends to net income (ytd only)* | -95.8188% | 7,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9580% | 2,118 |
| Loan loss allowance to noncurrent loans | 41.7995% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 3.6192% | 1,845 |
| Noncurrent loans to loans | 4.6843% | 1,502 |
| Net loans and leases to total assets | 69.8458% | 3,290 |
| Net loans and leases to deposits | 87.8671% | 2,579 |
| Net loans and leases to core deposits | 107.5291% | 3,152 |
| Total domestic deposits to total assets | 79.4902% | 5,847 |
| Equity capital to assets | 8.4461% | 5,978 |
| Core capital (leverage) ratio | 8.2435% | 5,740 |
| Tier 1 risk-based capital ratio | 11.5592% | 5,337 |
| Total risk-based capital ratio | 12.8173% | 5,285 |
| Memoranda: | ||
| Average total assets | $384,612,200 | 1,778 |
| Average earning assets | $365,277,800 | 1,724 |
| Average equity | $29,891,200 | 2,236 |
| Average total loans | $270,309,600 | 1,776 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 4,971 |
| Cost of funding earning assets | 2.3337% | 1,862 |
| Net interest margin | 3.0617% | 6,430 |
| Noninterest income to average assets | 0.5192% | 4,326 |
| Noninterest expense to average assets | 2.5443% | 5,917 |
| Loan and lease loss provision to assets | 1.0015% | 1,917 |
| Net operating income to assets | -0.0152% | 5,735 |
| Return on assets (ROA) | 0.0110% | 5,743 |
| Pretax return on assets | -0.0840% | 5,823 |
| Return on Equity (ROE) | 0.1448% | 5,732 |
| Retained earnings to average equity (ytd only) | -3.5881% | 6,043 |
| Net charge-offs to loans | 0.8454% | 2,273 |
| Credit loss provision to net charge-offs | 169.1279% | 2,763 |
| Earnings coverage of net charge-offs (x) | 1.4802% | 4,678 |
| Efficiency ratio | 74.0338% | 3,858 |
| Assets per employee ($millions) | 4.0503% | 3,635 |
| Cash dividends to net income (ytd only)* | 2,577.8533% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 2,102 |
| Loan loss allowance to noncurrent loans | 43.8080% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 3.3653% | 1,996 |
| Noncurrent loans to loans | 4.2686% | 1,684 |
| Net loans and leases to total assets | 68.9403% | 3,725 |
| Net loans and leases to deposits | 85.9074% | 3,334 |
| Net loans and leases to core deposits | 110.0790% | 3,226 |
| Total domestic deposits to total assets | 80.2495% | 5,350 |
| Equity capital to assets | 7.6512% | 7,192 |
| Core capital (leverage) ratio | 7.1464% | 7,309 |
| Tier 1 risk-based capital ratio | 9.9037% | 7,055 |
| Total risk-based capital ratio | 11.1608% | 7,011 |
| Memoranda: | ||
| Average total assets | $387,263,500 | 1,781 |
| Average earning assets | $367,019,750 | 1,731 |
| Average equity | $29,466,750 | 2,290 |
| Average total loans | $271,275,750 | 1,788 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 4,979 |
| Cost of funding earning assets | 2.4305% | 1,845 |
| Net interest margin | 3.0029% | 6,543 |
| Noninterest income to average assets | 0.5148% | 4,312 |
| Noninterest expense to average assets | 2.5375% | 5,993 |
| Loan and lease loss provision to assets | 1.2384% | 1,384 |
| Net operating income to assets | -0.1939% | 6,179 |
| Return on assets (ROA) | -0.1793% | 6,178 |
| Pretax return on assets | -0.3973% | 6,320 |
| Return on Equity (ROE) | -2.3613% | 6,278 |
| Retained earnings to average equity (ytd only) | -7.9591% | 6,663 |
| Net charge-offs to loans | 1.0840% | 1,675 |
| Credit loss provision to net charge-offs | 163.2473% | 2,813 |
| Earnings coverage of net charge-offs (x) | 1.0788% | 4,709 |
| Efficiency ratio | 75.2611% | 3,836 |
| Assets per employee ($millions) | 3.9471% | 3,780 |
| Cash dividends to net income (ytd only)* | -237.0690% | 8,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 2,185 |
| Loan loss allowance to noncurrent loans | 52.8420% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.4981% | 2,578 |
| Noncurrent loans to loans | 3.3095% | 2,131 |
| Net loans and leases to total assets | 69.6720% | 3,776 |
| Net loans and leases to deposits | 86.2116% | 3,510 |
| Net loans and leases to core deposits | 112.5026% | 3,074 |
| Total domestic deposits to total assets | 80.8151% | 5,143 |
| Equity capital to assets | 7.3493% | 7,387 |
| Core capital (leverage) ratio | 7.1003% | 7,452 |
| Tier 1 risk-based capital ratio | 9.5186% | 7,371 |
| Total risk-based capital ratio | 10.7741% | 7,327 |
| Memoranda: | ||
| Average total assets | $388,093,000 | 1,805 |
| Average earning assets | $367,174,670 | 1,751 |
| Average equity | $29,475,670 | 2,307 |
| Average total loans | $271,594,330 | 1,812 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4850% | 4,986 |
| Cost of funding earning assets | 2.5978% | 1,573 |
| Net interest margin | 2.8871% | 6,773 |
| Noninterest income to average assets | 0.4888% | 4,419 |
| Noninterest expense to average assets | 2.4161% | 6,139 |
| Loan and lease loss provision to assets | 1.6165% | 772 |
| Net operating income to assets | -0.4016% | 6,784 |
| Return on assets (ROA) | -0.3581% | 6,820 |
| Pretax return on assets | -0.7542% | 7,006 |
| Return on Equity (ROE) | -4.6401% | 6,952 |
| Retained earnings to average equity (ytd only) | -7.6401% | 6,874 |
| Net charge-offs to loans | 0.8733% | 1,499 |
| Credit loss provision to net charge-offs | 266.2712% | 1,783 |
| Earnings coverage of net charge-offs (x) | 1.3085% | 4,083 |
| Efficiency ratio | 74.9038% | 3,680 |
| Assets per employee ($millions) | 3.8662% | 3,947 |
| Cash dividends to net income (ytd only)* | -64.6552% | 8,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 1,825 |
| Loan loss allowance to noncurrent loans | 56.3736% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.3992% | 2,387 |
| Noncurrent loans to loans | 3.2122% | 2,016 |
| Net loans and leases to total assets | 68.6643% | 3,985 |
| Net loans and leases to deposits | 85.9502% | 3,637 |
| Net loans and leases to core deposits | 110.1935% | 3,407 |
| Total domestic deposits to total assets | 79.8884% | 5,407 |
| Equity capital to assets | 7.7467% | 7,129 |
| Core capital (leverage) ratio | 7.0944% | 7,567 |
| Tier 1 risk-based capital ratio | 9.8746% | 7,062 |
| Total risk-based capital ratio | 11.1305% | 6,950 |
| Memoranda: | ||
| Average total assets | $388,732,500 | 1,812 |
| Average earning assets | $366,457,000 | 1,762 |
| Average equity | $29,999,500 | 2,275 |
| Average total loans | $270,242,500 | 1,837 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0954% | 5,068 |
| Cost of funding earning assets | 3.2696% | 1,005 |
| Net interest margin | 2.8258% | 7,287 |
| Noninterest income to average assets | 0.4884% | 4,709 |
| Noninterest expense to average assets | 2.4315% | 6,292 |
| Loan and lease loss provision to assets | 0.3184% | 3,829 |
| Net operating income to assets | 0.2830% | 5,600 |
| Return on assets (ROA) | 0.2301% | 5,580 |
| Pretax return on assets | 0.3062% | 5,499 |
| Return on Equity (ROE) | 3.0544% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.6130% | 3,562 |
| Net charge-offs to loans | 0.5686% | 2,110 |
| Credit loss provision to net charge-offs | 83.4146% | 5,823 |
| Earnings coverage of net charge-offs (x) | 1.8209% | 5,165 |
| Efficiency ratio | 77.3779% | 3,022 |
| Assets per employee ($millions) | 3.9870% | 3,552 |
| Cash dividends to net income (ytd only)* | 14.4509% | 4,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 3,103 |
| Loan loss allowance to noncurrent loans | 51.3754% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 1.9128% | 2,564 |
| Noncurrent loans to loans | 2.7582% | 1,967 |
| Net loans and leases to total assets | 68.1402% | 4,443 |
| Net loans and leases to deposits | 85.1933% | 4,226 |
| Net loans and leases to core deposits | 109.2926% | 3,827 |
| Total domestic deposits to total assets | 79.9830% | 5,028 |
| Equity capital to assets | 7.6887% | 7,216 |
| Core capital (leverage) ratio | 7.3931% | 7,312 |
| Tier 1 risk-based capital ratio | 9.8236% | 6,929 |
| Total risk-based capital ratio | 11.0749% | 6,817 |
| Memoranda: | ||
| Average total assets | $375,943,600 | 1,797 |
| Average earning assets | $350,986,200 | 1,768 |
| Average equity | $28,320,200 | 2,386 |
| Average total loans | $252,369,200 | 1,891 |