Home > Midstate Community Bank > Performance and Condition Ratios
Midstate Community Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 4,007 |
| Cost of funding earning assets | 1.2071% | 64 |
| Net interest margin | 2.5952% | 5,409 |
| Noninterest income to average assets | -0.0745% | 5,711 |
| Noninterest expense to average assets | 1.7932% | 5,281 |
| Loan and lease loss provision to assets | 0.0376% | 3,354 |
| Net operating income to assets | 0.3604% | 5,081 |
| Return on assets (ROA) | 0.3604% | 5,101 |
| Pretax return on assets | 0.5967% | 4,851 |
| Return on Equity (ROE) | 2.4889% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.4889% | 4,403 |
| Net charge-offs to loans | 0.1413% | 1,400 |
| Credit loss provision to net charge-offs | 45.1923% | 2,965 |
| Earnings coverage of net charge-offs (x) | 7.6155% | 2,857 |
| Efficiency ratio | 73.8700% | 1,919 |
| Assets per employee ($millions) | 10.1396% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7403% | 5,047 |
| Loan loss allowance to noncurrent loans | 29.3874% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 3.2786% | 256 |
| Noncurrent loans to loans | 2.5191% | 604 |
| Net loans and leases to total assets | 58.6794% | 3,996 |
| Net loans and leases to deposits | 69.6289% | 3,988 |
| Net loans and leases to core deposits | 77.3446% | 3,693 |
| Total domestic deposits to total assets | 84.2746% | 3,013 |
| Equity capital to assets | 14.9975% | 729 |
| Core capital (leverage) ratio | 15.0640% | 652 |
| Tier 1 risk-based capital ratio | 35.8172% | 309 |
| Total risk-based capital ratio | 36.8515% | 308 |
| Memoranda: | ||
| Average total assets | $166,476,000 | 3,310 |
| Average earning assets | $160,495,000 | 3,220 |
| Average equity | $24,107,000 | 2,773 |
| Average total loans | $98,151,250 | 3,410 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 3,884 |
| Cost of funding earning assets | 1.2032% | 60 |
| Net interest margin | 2.5986% | 5,438 |
| Noninterest income to average assets | -0.1287% | 5,761 |
| Noninterest expense to average assets | 1.7952% | 5,316 |
| Loan and lease loss provision to assets | 0.0429% | 3,139 |
| Net operating income to assets | 0.3300% | 5,152 |
| Return on assets (ROA) | 0.3300% | 5,175 |
| Pretax return on assets | 0.5468% | 4,912 |
| Return on Equity (ROE) | 2.3052% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.3052% | 4,298 |
| Net charge-offs to loans | 0.1577% | 1,219 |
| Credit loss provision to net charge-offs | 46.1538% | 2,598 |
| Earnings coverage of net charge-offs (x) | 6.3462% | 2,720 |
| Efficiency ratio | 75.2747% | 1,822 |
| Assets per employee ($millions) | 10.3198% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 5,101 |
| Loan loss allowance to noncurrent loans | 18.6663% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 3.2383% | 266 |
| Noncurrent loans to loans | 3.9822% | 245 |
| Net loans and leases to total assets | 58.6309% | 3,963 |
| Net loans and leases to deposits | 68.8645% | 4,002 |
| Net loans and leases to core deposits | 76.7126% | 3,708 |
| Total domestic deposits to total assets | 85.1395% | 2,757 |
| Equity capital to assets | 14.6309% | 788 |
| Core capital (leverage) ratio | 14.6641% | 706 |
| Tier 1 risk-based capital ratio | 35.4377% | 292 |
| Total risk-based capital ratio | 36.4900% | 291 |
| Memoranda: | ||
| Average total assets | $167,890,000 | 3,308 |
| Average earning assets | $162,393,670 | 3,210 |
| Average equity | $24,032,330 | 2,781 |
| Average total loans | $98,899,000 | 3,415 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 3,579 |
| Cost of funding earning assets | 1.2038% | 56 |
| Net interest margin | 2.6468% | 5,437 |
| Noninterest income to average assets | -0.0709% | 5,834 |
| Noninterest expense to average assets | 1.7982% | 5,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4182% | 4,900 |
| Return on assets (ROA) | 0.4182% | 4,922 |
| Pretax return on assets | 0.6924% | 4,476 |
| Return on Equity (ROE) | 2.9538% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.9538% | 3,935 |
| Net charge-offs to loans | 0.0603% | 1,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.5333% | 1,525 |
| Efficiency ratio | 72.2011% | 2,535 |
| Assets per employee ($millions) | 9.9914% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 5,170 |
| Loan loss allowance to noncurrent loans | 21.3940% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 3.2033% | 294 |
| Noncurrent loans to loans | 3.5618% | 331 |
| Net loans and leases to total assets | 57.6583% | 4,005 |
| Net loans and leases to deposits | 67.3889% | 4,052 |
| Net loans and leases to core deposits | 77.0123% | 3,562 |
| Total domestic deposits to total assets | 85.5605% | 2,857 |
| Equity capital to assets | 14.1639% | 857 |
| Core capital (leverage) ratio | 14.4056% | 743 |
| Tier 1 risk-based capital ratio | 34.8382% | 325 |
| Total risk-based capital ratio | 35.9152% | 327 |
| Memoranda: | ||
| Average total assets | $169,277,000 | 3,317 |
| Average earning assets | $163,820,500 | 3,218 |
| Average equity | $23,969,500 | 2,796 |
| Average total loans | $99,581,500 | 3,426 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,601 |
| Cost of funding earning assets | 1.1608% | 62 |
| Net interest margin | 2.7294% | 5,384 |
| Noninterest income to average assets | -0.0829% | 5,886 |
| Noninterest expense to average assets | 1.8446% | 5,432 |
| Loan and lease loss provision to assets | 0.0592% | 3,203 |
| Net operating income to assets | 0.3945% | 4,961 |
| Return on assets (ROA) | 0.3945% | 5,041 |
| Pretax return on assets | 0.6457% | 4,663 |
| Return on Equity (ROE) | 2.8188% | 5,210 |
| Retained earnings to average equity (ytd only) | 2.8188% | 3,896 |
| Net charge-offs to loans | 0.1507% | 1,752 |
| Credit loss provision to net charge-offs | 65.3595% | 3,176 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,966 |
| Efficiency ratio | 72.3513% | 2,536 |
| Assets per employee ($millions) | 9.9235% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 5,205 |
| Loan loss allowance to noncurrent loans | 21.3649% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 3.3325% | 271 |
| Noncurrent loans to loans | 3.5730% | 329 |
| Net loans and leases to total assets | 59.1043% | 3,948 |
| Net loans and leases to deposits | 68.9899% | 4,008 |
| Net loans and leases to core deposits | 78.8825% | 3,491 |
| Total domestic deposits to total assets | 85.6710% | 2,747 |
| Equity capital to assets | 14.1559% | 843 |
| Core capital (leverage) ratio | 14.2702% | 743 |
| Tier 1 risk-based capital ratio | 34.2265% | 345 |
| Total risk-based capital ratio | 35.3134% | 341 |
| Memoranda: | ||
| Average total assets | $168,821,000 | 3,301 |
| Average earning assets | $162,819,800 | 3,198 |
| Average equity | $23,626,800 | 2,833 |
| Average total loans | $101,505,400 | 3,359 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,484 |
| Cost of funding earning assets | 1.1530% | 67 |
| Net interest margin | 2.7796% | 5,387 |
| Noninterest income to average assets | -0.0845% | 5,955 |
| Noninterest expense to average assets | 1.8051% | 5,510 |
| Loan and lease loss provision to assets | 0.0632% | 2,977 |
| Net operating income to assets | 0.4382% | 4,910 |
| Return on assets (ROA) | 0.4382% | 4,991 |
| Pretax return on assets | 0.7257% | 4,539 |
| Return on Equity (ROE) | 3.1404% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.1404% | 4,033 |
| Net charge-offs to loans | 0.0590% | 2,505 |
| Credit loss provision to net charge-offs | 177.7778% | 1,575 |
| Earnings coverage of net charge-offs (x) | 22.1995% | 1,772 |
| Efficiency ratio | 69.5890% | 2,952 |
| Assets per employee ($millions) | 9.9461% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 5,094 |
| Loan loss allowance to noncurrent loans | 24.2484% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 3.3486% | 309 |
| Noncurrent loans to loans | 3.4352% | 382 |
| Net loans and leases to total assets | 60.2003% | 3,848 |
| Net loans and leases to deposits | 70.4690% | 3,940 |
| Net loans and leases to core deposits | 80.4612% | 3,401 |
| Total domestic deposits to total assets | 85.4280% | 2,633 |
| Equity capital to assets | 14.1167% | 995 |
| Core capital (leverage) ratio | 14.3476% | 763 |
| Tier 1 risk-based capital ratio | 33.0592% | 382 |
| Total risk-based capital ratio | 34.2341% | 379 |
| Memoranda: | ||
| Average total assets | $168,851,250 | 3,315 |
| Average earning assets | $162,703,000 | 3,207 |
| Average equity | $23,563,250 | 2,857 |
| Average total loans | $101,762,750 | 3,365 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,339 |
| Cost of funding earning assets | 1.1604% | 65 |
| Net interest margin | 2.8117% | 5,407 |
| Noninterest income to average assets | -0.1612% | 6,037 |
| Noninterest expense to average assets | 1.8119% | 5,580 |
| Loan and lease loss provision to assets | 0.0593% | 2,955 |
| Net operating income to assets | 0.4076% | 5,014 |
| Return on assets (ROA) | 0.4076% | 5,098 |
| Pretax return on assets | 0.6755% | 4,698 |
| Return on Equity (ROE) | 2.9325% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.9325% | 4,047 |
| Net charge-offs to loans | 0.0710% | 2,173 |
| Credit loss provision to net charge-offs | 138.8889% | 1,691 |
| Earnings coverage of net charge-offs (x) | 17.2222% | 1,887 |
| Efficiency ratio | 71.1494% | 2,795 |
| Assets per employee ($millions) | 9.8685% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 5,243 |
| Loan loss allowance to noncurrent loans | 29.2221% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 2.8051% | 449 |
| Noncurrent loans to loans | 2.7851% | 571 |
| Net loans and leases to total assets | 60.5842% | 3,808 |
| Net loans and leases to deposits | 70.7654% | 3,914 |
| Net loans and leases to core deposits | 81.0305% | 3,364 |
| Total domestic deposits to total assets | 85.6126% | 2,604 |
| Equity capital to assets | 14.1150% | 983 |
| Core capital (leverage) ratio | 14.2699% | 752 |
| Tier 1 risk-based capital ratio | 32.4026% | 403 |
| Total risk-based capital ratio | 33.5387% | 398 |
| Memoranda: | ||
| Average total assets | $168,773,670 | 3,330 |
| Average earning assets | $162,533,670 | 3,235 |
| Average equity | $23,461,330 | 2,876 |
| Average total loans | $101,469,000 | 3,380 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 3,221 |
| Cost of funding earning assets | 1.1714% | 63 |
| Net interest margin | 2.8291% | 5,428 |
| Noninterest income to average assets | -0.0543% | 6,097 |
| Noninterest expense to average assets | 1.8242% | 5,623 |
| Loan and lease loss provision to assets | 0.0473% | 2,974 |
| Net operating income to assets | 0.4820% | 4,704 |
| Return on assets (ROA) | 0.4820% | 4,800 |
| Pretax return on assets | 0.7963% | 4,205 |
| Return on Equity (ROE) | 3.4943% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.4943% | 3,749 |
| Net charge-offs to loans | -0.0238% | 4,952 |
| Credit loss provision to net charge-offs | -333.3333% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3791% | 3,402 |
| Assets per employee ($millions) | 9.9084% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 5,244 |
| Loan loss allowance to noncurrent loans | 30.2575% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 3.0776% | 405 |
| Noncurrent loans to loans | 2.7939% | 623 |
| Net loans and leases to total assets | 58.9089% | 3,933 |
| Net loans and leases to deposits | 68.6609% | 3,988 |
| Net loans and leases to core deposits | 78.5050% | 3,446 |
| Total domestic deposits to total assets | 85.7970% | 2,767 |
| Equity capital to assets | 13.9679% | 993 |
| Core capital (leverage) ratio | 14.0753% | 792 |
| Tier 1 risk-based capital ratio | 32.3248% | 418 |
| Total risk-based capital ratio | 33.4811% | 415 |
| Memoranda: | ||
| Average total assets | $169,278,000 | 3,336 |
| Average earning assets | $162,877,500 | 3,245 |
| Average equity | $23,352,000 | 2,889 |
| Average total loans | $100,967,000 | 3,403 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,811 |
| Cost of funding earning assets | 1.2110% | 54 |
| Net interest margin | 2.9189% | 5,301 |
| Noninterest income to average assets | -0.2161% | 6,162 |
| Noninterest expense to average assets | 2.0087% | 5,435 |
| Loan and lease loss provision to assets | 0.2063% | 1,033 |
| Net operating income to assets | 0.2230% | 5,529 |
| Return on assets (ROA) | 0.2230% | 5,591 |
| Pretax return on assets | 0.3619% | 5,402 |
| Return on Equity (ROE) | 1.6611% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.6611% | 4,777 |
| Net charge-offs to loans | 0.3600% | 818 |
| Credit loss provision to net charge-offs | 94.7090% | 2,662 |
| Earnings coverage of net charge-offs (x) | 2.6085% | 3,866 |
| Efficiency ratio | 77.9517% | 1,979 |
| Assets per employee ($millions) | 9.4514% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 5,395 |
| Loan loss allowance to noncurrent loans | 27.3881% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 3.1371% | 409 |
| Noncurrent loans to loans | 2.9393% | 555 |
| Net loans and leases to total assets | 59.3916% | 3,918 |
| Net loans and leases to deposits | 69.0522% | 4,024 |
| Net loans and leases to core deposits | 78.8230% | 3,462 |
| Total domestic deposits to total assets | 86.0097% | 2,638 |
| Equity capital to assets | 13.6306% | 1,069 |
| Core capital (leverage) ratio | 13.7346% | 898 |
| Tier 1 risk-based capital ratio | 31.5207% | 445 |
| Total risk-based capital ratio | 32.6240% | 443 |
| Memoranda: | ||
| Average total assets | $173,545,400 | 3,250 |
| Average earning assets | $166,056,600 | 3,174 |
| Average equity | $23,297,200 | 2,849 |
| Average total loans | $104,997,000 | 3,299 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 2,836 |
| Cost of funding earning assets | 1.2140% | 55 |
| Net interest margin | 2.9103% | 5,391 |
| Noninterest income to average assets | 0.0489% | 6,101 |
| Noninterest expense to average assets | 1.7385% | 5,866 |
| Loan and lease loss provision to assets | 0.2057% | 966 |
| Net operating income to assets | 0.5359% | 4,652 |
| Return on assets (ROA) | 0.5359% | 4,751 |
| Pretax return on assets | 0.8868% | 4,027 |
| Return on Equity (ROE) | 4.0072% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.0072% | 3,614 |
| Net charge-offs to loans | 0.3643% | 719 |
| Credit loss provision to net charge-offs | 93.0796% | 2,424 |
| Earnings coverage of net charge-offs (x) | 4.9447% | 3,274 |
| Efficiency ratio | 61.4097% | 4,660 |
| Assets per employee ($millions) | 9.5562% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 5,554 |
| Loan loss allowance to noncurrent loans | 29.3486% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 3.3724% | 399 |
| Noncurrent loans to loans | 2.6807% | 725 |
| Net loans and leases to total assets | 60.1150% | 3,871 |
| Net loans and leases to deposits | 70.1407% | 3,968 |
| Net loans and leases to core deposits | 80.5868% | 3,380 |
| Total domestic deposits to total assets | 85.7062% | 2,689 |
| Equity capital to assets | 13.7642% | 1,117 |
| Core capital (leverage) ratio | 13.9123% | 886 |
| Tier 1 risk-based capital ratio | 30.9649% | 469 |
| Total risk-based capital ratio | 32.0320% | 475 |
| Memoranda: | ||
| Average total assets | $174,400,500 | 3,267 |
| Average earning assets | $166,714,500 | 3,193 |
| Average equity | $23,324,250 | 2,876 |
| Average total loans | $105,781,250 | 3,305 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,755 |
| Cost of funding earning assets | 1.2092% | 55 |
| Net interest margin | 2.9301% | 5,387 |
| Noninterest income to average assets | 0.0434% | 6,193 |
| Noninterest expense to average assets | 1.7363% | 5,937 |
| Loan and lease loss provision to assets | 0.1084% | 2,020 |
| Net operating income to assets | 0.6062% | 4,315 |
| Return on assets (ROA) | 0.6062% | 4,425 |
| Pretax return on assets | 1.0034% | 3,577 |
| Return on Equity (ROE) | 4.5762% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.5762% | 3,124 |
| Net charge-offs to loans | 0.2465% | 1,053 |
| Credit loss provision to net charge-offs | 72.5191% | 2,427 |
| Earnings coverage of net charge-offs (x) | 7.4351% | 2,670 |
| Efficiency ratio | 60.9619% | 4,833 |
| Assets per employee ($millions) | 10.7783% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 5,659 |
| Loan loss allowance to noncurrent loans | 28.7040% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 3.3662% | 440 |
| Noncurrent loans to loans | 2.6959% | 799 |
| Net loans and leases to total assets | 59.7813% | 3,867 |
| Net loans and leases to deposits | 69.5669% | 3,977 |
| Net loans and leases to core deposits | 79.6720% | 3,427 |
| Total domestic deposits to total assets | 85.9335% | 2,722 |
| Equity capital to assets | 13.5783% | 1,137 |
| Core capital (leverage) ratio | 13.9703% | 847 |
| Tier 1 risk-based capital ratio | 31.0166% | 490 |
| Total risk-based capital ratio | 32.0723% | 493 |
| Memoranda: | ||
| Average total assets | $175,196,670 | 3,278 |
| Average earning assets | $167,708,670 | 3,201 |
| Average equity | $23,207,000 | 2,898 |
| Average total loans | $106,300,000 | 3,317 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,025 |
| Cost of funding earning assets | 1.2184% | 54 |
| Net interest margin | 2.8359% | 5,579 |
| Noninterest income to average assets | 0.0544% | 6,215 |
| Noninterest expense to average assets | 1.7466% | 5,963 |
| Loan and lease loss provision to assets | 0.0227% | 3,417 |
| Net operating income to assets | 0.6071% | 4,257 |
| Return on assets (ROA) | 0.6071% | 4,352 |
| Pretax return on assets | 1.0058% | 3,474 |
| Return on Equity (ROE) | 4.6402% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.6402% | 3,245 |
| Net charge-offs to loans | 0.2493% | 960 |
| Credit loss provision to net charge-offs | 14.9254% | 2,398 |
| Earnings coverage of net charge-offs (x) | 6.7761% | 2,248 |
| Efficiency ratio | 62.9388% | 4,631 |
| Assets per employee ($millions) | 11.0096% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 5,839 |
| Loan loss allowance to noncurrent loans | 21.3818% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 3.4952% | 474 |
| Noncurrent loans to loans | 3.4384% | 562 |
| Net loans and leases to total assets | 60.0157% | 3,648 |
| Net loans and leases to deposits | 69.5851% | 3,792 |
| Net loans and leases to core deposits | 79.8888% | 3,179 |
| Total domestic deposits to total assets | 86.2478% | 2,798 |
| Equity capital to assets | 13.2083% | 1,299 |
| Core capital (leverage) ratio | 13.4845% | 977 |
| Tier 1 risk-based capital ratio | 29.6156% | 559 |
| Total risk-based capital ratio | 30.6033% | 565 |
| Memoranda: | ||
| Average total assets | $176,569,000 | 3,285 |
| Average earning assets | $169,399,000 | 3,185 |
| Average equity | $23,102,500 | 2,924 |
| Average total loans | $107,501,000 | 3,310 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 2,708 |
| Cost of funding earning assets | 1.3059% | 52 |
| Net interest margin | 2.9636% | 5,523 |
| Noninterest income to average assets | -0.1668% | 6,471 |
| Noninterest expense to average assets | 1.6125% | 6,228 |
| Loan and lease loss provision to assets | 0.1696% | 1,538 |
| Net operating income to assets | 0.5369% | 4,652 |
| Return on assets (ROA) | 0.5369% | 4,738 |
| Pretax return on assets | 0.8846% | 3,951 |
| Return on Equity (ROE) | 4.2960% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.2960% | 3,130 |
| Net charge-offs to loans | 0.2516% | 1,701 |
| Credit loss provision to net charge-offs | 109.0253% | 2,188 |
| Earnings coverage of net charge-offs (x) | 6.7762% | 3,141 |
| Efficiency ratio | 60.4676% | 5,152 |
| Assets per employee ($millions) | 11.0615% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 5,839 |
| Loan loss allowance to noncurrent loans | 21.4724% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.7201% | 481 |
| Noncurrent loans to loans | 3.6056% | 557 |
| Net loans and leases to total assets | 60.8298% | 3,667 |
| Net loans and leases to deposits | 70.3621% | 3,859 |
| Net loans and leases to core deposits | 80.3545% | 3,251 |
| Total domestic deposits to total assets | 86.4524% | 2,597 |
| Equity capital to assets | 12.9605% | 1,394 |
| Core capital (leverage) ratio | 13.0018% | 1,139 |
| Tier 1 risk-based capital ratio | 29.6096% | 529 |
| Total risk-based capital ratio | 30.6823% | 525 |
| Memoranda: | ||
| Average total assets | $178,051,600 | 3,229 |
| Average earning assets | $170,232,000 | 3,151 |
| Average equity | $22,253,000 | 2,919 |
| Average total loans | $110,081,200 | 3,216 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 2,790 |
| Cost of funding earning assets | 1.3053% | 53 |
| Net interest margin | 2.9497% | 5,601 |
| Noninterest income to average assets | -0.1166% | 6,533 |
| Noninterest expense to average assets | 1.6704% | 6,230 |
| Loan and lease loss provision to assets | 0.0224% | 3,956 |
| Net operating income to assets | 0.6086% | 4,406 |
| Return on assets (ROA) | 0.6086% | 4,493 |
| Pretax return on assets | 1.0072% | 3,565 |
| Return on Equity (ROE) | 4.9150% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.9150% | 3,146 |
| Net charge-offs to loans | 0.0121% | 4,321 |
| Credit loss provision to net charge-offs | 300.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 137.7307% | 442 |
| Efficiency ratio | 61.8665% | 4,906 |
| Assets per employee ($millions) | 11.2094% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 5,979 |
| Loan loss allowance to noncurrent loans | 19.0683% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 3.9414% | 512 |
| Noncurrent loans to loans | 3.9609% | 541 |
| Net loans and leases to total assets | 61.1772% | 3,601 |
| Net loans and leases to deposits | 70.5440% | 3,855 |
| Net loans and leases to core deposits | 80.6216% | 3,237 |
| Total domestic deposits to total assets | 86.7221% | 2,463 |
| Equity capital to assets | 12.6144% | 1,628 |
| Core capital (leverage) ratio | 12.9118% | 1,220 |
| Tier 1 risk-based capital ratio | 28.5993% | 603 |
| Total risk-based capital ratio | 29.6369% | 602 |
| Memoranda: | ||
| Average total assets | $178,318,500 | 3,251 |
| Average earning assets | $170,271,750 | 3,183 |
| Average equity | $22,081,750 | 2,947 |
| Average total loans | $110,476,750 | 3,227 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 2,561 |
| Cost of funding earning assets | 1.2981% | 58 |
| Net interest margin | 3.0085% | 5,494 |
| Noninterest income to average assets | -0.1573% | 6,616 |
| Noninterest expense to average assets | 1.5957% | 6,361 |
| Loan and lease loss provision to assets | 0.0337% | 3,613 |
| Net operating income to assets | 0.6552% | 4,067 |
| Return on assets (ROA) | 0.6552% | 4,165 |
| Pretax return on assets | 1.0833% | 3,166 |
| Return on Equity (ROE) | 5.3240% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.3240% | 2,745 |
| Net charge-offs to loans | 0.0145% | 3,946 |
| Credit loss provision to net charge-offs | 375.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 124.2500% | 475 |
| Efficiency ratio | 58.8235% | 5,458 |
| Assets per employee ($millions) | 11.2024% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 6,077 |
| Loan loss allowance to noncurrent loans | 20.3106% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 4.0231% | 528 |
| Noncurrent loans to loans | 3.7172% | 678 |
| Net loans and leases to total assets | 61.3849% | 3,507 |
| Net loans and leases to deposits | 70.6099% | 3,738 |
| Net loans and leases to core deposits | 79.2956% | 3,288 |
| Total domestic deposits to total assets | 86.9352% | 2,482 |
| Equity capital to assets | 12.4633% | 1,669 |
| Core capital (leverage) ratio | 12.8242% | 1,229 |
| Tier 1 risk-based capital ratio | 28.0579% | 643 |
| Total risk-based capital ratio | 29.0898% | 640 |
| Memoranda: | ||
| Average total assets | $177,974,330 | 3,273 |
| Average earning assets | $169,786,670 | 3,204 |
| Average equity | $21,901,000 | 2,958 |
| Average total loans | $110,450,000 | 3,233 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,297 |
| Cost of funding earning assets | 1.2993% | 60 |
| Net interest margin | 3.0601% | 5,362 |
| Noninterest income to average assets | -0.2526% | 6,694 |
| Noninterest expense to average assets | 1.5969% | 6,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6586% | 3,899 |
| Return on assets (ROA) | 0.6586% | 3,994 |
| Pretax return on assets | 1.0669% | 3,049 |
| Return on Equity (ROE) | 5.3870% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.3870% | 2,860 |
| Net charge-offs to loans | 0.0290% | 3,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 59.1250% | 663 |
| Efficiency ratio | 59.9492% | 5,417 |
| Assets per employee ($millions) | 11.0976% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 6,241 |
| Loan loss allowance to noncurrent loans | 16.3991% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 4.7347% | 451 |
| Noncurrent loans to loans | 4.4268% | 558 |
| Net loans and leases to total assets | 62.1518% | 3,213 |
| Net loans and leases to deposits | 71.2415% | 3,438 |
| Net loans and leases to core deposits | 79.8804% | 2,987 |
| Total domestic deposits to total assets | 87.2411% | 2,671 |
| Equity capital to assets | 12.3557% | 1,655 |
| Core capital (leverage) ratio | 12.7458% | 1,277 |
| Tier 1 risk-based capital ratio | 27.3862% | 689 |
| Total risk-based capital ratio | 28.3700% | 693 |
| Memoranda: | ||
| Average total assets | $177,342,500 | 3,305 |
| Average earning assets | $169,016,000 | 3,228 |
| Average equity | $21,682,000 | 2,976 |
| Average total loans | $110,244,000 | 3,258 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,232 |
| Cost of funding earning assets | 1.4312% | 62 |
| Net interest margin | 2.7988% | 5,984 |
| Noninterest income to average assets | -0.1229% | 6,728 |
| Noninterest expense to average assets | 1.4967% | 6,577 |
| Loan and lease loss provision to assets | 0.1592% | 2,293 |
| Net operating income to assets | 0.5324% | 4,587 |
| Return on assets (ROA) | 0.5324% | 4,713 |
| Pretax return on assets | 0.8809% | 3,843 |
| Return on Equity (ROE) | 4.5610% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.5610% | 2,917 |
| Net charge-offs to loans | 0.4240% | 1,577 |
| Credit loss provision to net charge-offs | 62.5000% | 3,489 |
| Earnings coverage of net charge-offs (x) | 4.0841% | 3,678 |
| Efficiency ratio | 59.0004% | 5,606 |
| Assets per employee ($millions) | 11.8082% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 6,280 |
| Loan loss allowance to noncurrent loans | 15.8560% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 4.7628% | 510 |
| Noncurrent loans to loans | 4.7017% | 553 |
| Net loans and leases to total assets | 61.2614% | 3,489 |
| Net loans and leases to deposits | 70.3465% | 3,739 |
| Net loans and leases to core deposits | 78.2322% | 3,329 |
| Total domestic deposits to total assets | 87.0852% | 2,680 |
| Equity capital to assets | 12.0961% | 1,743 |
| Core capital (leverage) ratio | 12.2834% | 1,455 |
| Tier 1 risk-based capital ratio | 27.0989% | 669 |
| Total risk-based capital ratio | 28.0948% | 677 |
| Memoranda: | ||
| Average total assets | $182,199,000 | 3,251 |
| Average earning assets | $173,146,200 | 3,172 |
| Average equity | $21,267,200 | 3,004 |
| Average total loans | $109,436,000 | 3,257 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 3,468 |
| Cost of funding earning assets | 1.4608% | 60 |
| Net interest margin | 2.7166% | 6,149 |
| Noninterest income to average assets | -0.0654% | 6,796 |
| Noninterest expense to average assets | 1.4484% | 6,666 |
| Loan and lease loss provision to assets | 0.1381% | 2,566 |
| Net operating income to assets | 0.5734% | 4,454 |
| Return on assets (ROA) | 0.5734% | 4,597 |
| Pretax return on assets | 0.9280% | 3,770 |
| Return on Equity (ROE) | 4.9556% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.9556% | 3,119 |
| Net charge-offs to loans | -0.1389% | 6,576 |
| Credit loss provision to net charge-offs | -166.6667% | 5,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6012% | 5,737 |
| Assets per employee ($millions) | 12.1021% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 4,992 |
| Loan loss allowance to noncurrent loans | 18.3352% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 6.1141% | 389 |
| Noncurrent loans to loans | 6.4049% | 361 |
| Net loans and leases to total assets | 59.9404% | 3,700 |
| Net loans and leases to deposits | 68.4428% | 4,010 |
| Net loans and leases to core deposits | 76.2617% | 3,589 |
| Total domestic deposits to total assets | 87.5774% | 2,372 |
| Equity capital to assets | 11.7643% | 2,070 |
| Core capital (leverage) ratio | 12.1115% | 1,608 |
| Tier 1 risk-based capital ratio | 25.7493% | 803 |
| Total risk-based capital ratio | 27.0023% | 794 |
| Memoranda: | ||
| Average total assets | $183,468,000 | 3,266 |
| Average earning assets | $174,235,000 | 3,187 |
| Average equity | $21,227,750 | 3,052 |
| Average total loans | $109,464,250 | 3,281 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 3,446 |
| Cost of funding earning assets | 1.4863% | 57 |
| Net interest margin | 2.6939% | 6,188 |
| Noninterest income to average assets | -0.0739% | 6,841 |
| Noninterest expense to average assets | 1.4317% | 6,721 |
| Loan and lease loss provision to assets | 0.1901% | 1,988 |
| Net operating income to assets | 0.5355% | 4,636 |
| Return on assets (ROA) | 0.5355% | 4,800 |
| Pretax return on assets | 0.8658% | 4,039 |
| Return on Equity (ROE) | 4.6542% | 4,921 |
| Retained earnings to average equity (ytd only) | 4.6542% | 3,291 |
| Net charge-offs to loans | 0.0384% | 4,139 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | 46.2857% | 839 |
| Efficiency ratio | 57.5546% | 5,791 |
| Assets per employee ($millions) | 13.0427% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,621 |
| Loan loss allowance to noncurrent loans | 15.8091% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 6.2000% | 430 |
| Noncurrent loans to loans | 6.6554% | 384 |
| Net loans and leases to total assets | 58.8676% | 3,845 |
| Net loans and leases to deposits | 67.0298% | 4,143 |
| Net loans and leases to core deposits | 75.1470% | 3,655 |
| Total domestic deposits to total assets | 87.8230% | 2,372 |
| Equity capital to assets | 11.6075% | 2,211 |
| Core capital (leverage) ratio | 11.9035% | 1,671 |
| Tier 1 risk-based capital ratio | 25.3051% | 839 |
| Total risk-based capital ratio | 26.5556% | 821 |
| Memoranda: | ||
| Average total assets | $184,113,330 | 3,277 |
| Average earning assets | $175,065,330 | 3,189 |
| Average equity | $21,185,000 | 3,075 |
| Average total loans | $109,251,000 | 3,291 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 3,291 |
| Cost of funding earning assets | 1.5221% | 50 |
| Net interest margin | 2.6801% | 6,248 |
| Noninterest income to average assets | -0.1298% | 6,928 |
| Noninterest expense to average assets | 1.4129% | 6,809 |
| Loan and lease loss provision to assets | 0.1623% | 2,243 |
| Net operating income to assets | 0.5150% | 4,587 |
| Return on assets (ROA) | 0.5150% | 4,733 |
| Pretax return on assets | 0.8438% | 3,982 |
| Return on Equity (ROE) | 4.4948% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.4948% | 3,535 |
| Net charge-offs to loans | 0.0767% | 3,076 |
| Credit loss provision to net charge-offs | 357.1429% | 696 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 1,145 |
| Efficiency ratio | 58.4079% | 5,798 |
| Assets per employee ($millions) | 14.1308% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 6,114 |
| Loan loss allowance to noncurrent loans | 11.7310% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 6.9641% | 404 |
| Noncurrent loans to loans | 8.1621% | 315 |
| Net loans and leases to total assets | 58.7300% | 3,663 |
| Net loans and leases to deposits | 67.0343% | 3,909 |
| Net loans and leases to core deposits | 75.2943% | 3,417 |
| Total domestic deposits to total assets | 87.6119% | 2,562 |
| Equity capital to assets | 11.6211% | 2,314 |
| Core capital (leverage) ratio | 11.6727% | 1,770 |
| Tier 1 risk-based capital ratio | 24.6950% | 930 |
| Total risk-based capital ratio | 25.8943% | 923 |
| Memoranda: | ||
| Average total assets | $184,871,000 | 3,294 |
| Average earning assets | $175,815,000 | 3,199 |
| Average equity | $21,180,000 | 3,113 |
| Average total loans | $109,559,500 | 3,296 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 3,924 |
| Cost of funding earning assets | 1.8145% | 50 |
| Net interest margin | 2.5609% | 6,666 |
| Noninterest income to average assets | -0.2136% | 6,968 |
| Noninterest expense to average assets | 1.3627% | 6,926 |
| Loan and lease loss provision to assets | 0.2147% | 2,992 |
| Net operating income to assets | 0.3782% | 5,189 |
| Return on assets (ROA) | 0.3789% | 5,416 |
| Pretax return on assets | 0.6279% | 4,903 |
| Return on Equity (ROE) | 3.4066% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.4066% | 3,828 |
| Net charge-offs to loans | 1.0843% | 978 |
| Credit loss provision to net charge-offs | 32.7869% | 5,068 |
| Earnings coverage of net charge-offs (x) | 1.2852% | 4,819 |
| Efficiency ratio | 61.8213% | 5,263 |
| Assets per employee ($millions) | 14.3109% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 6,272 |
| Loan loss allowance to noncurrent loans | 9.6094% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 7.8896% | 358 |
| Noncurrent loans to loans | 9.3403% | 268 |
| Net loans and leases to total assets | 58.6964% | 3,855 |
| Net loans and leases to deposits | 66.5488% | 4,199 |
| Net loans and leases to core deposits | 74.2872% | 3,743 |
| Total domestic deposits to total assets | 88.2005% | 2,092 |
| Equity capital to assets | 11.2942% | 2,636 |
| Core capital (leverage) ratio | 11.2959% | 2,016 |
| Tier 1 risk-based capital ratio | 24.3045% | 935 |
| Total risk-based capital ratio | 25.4364% | 931 |
| Memoranda: | ||
| Average total assets | $186,325,200 | 3,215 |
| Average earning assets | $175,914,800 | 3,148 |
| Average equity | $20,724,400 | 3,114 |
| Average total loans | $112,513,000 | 3,242 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 3,812 |
| Cost of funding earning assets | 1.8566% | 49 |
| Net interest margin | 2.5974% | 6,759 |
| Noninterest income to average assets | -0.1209% | 7,036 |
| Noninterest expense to average assets | 1.3584% | 7,013 |
| Loan and lease loss provision to assets | 0.1967% | 3,117 |
| Net operating income to assets | 0.4905% | 4,879 |
| Return on assets (ROA) | 0.4914% | 5,147 |
| Pretax return on assets | 0.7732% | 4,585 |
| Return on Equity (ROE) | 4.4352% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.4352% | 3,773 |
| Net charge-offs to loans | 1.4277% | 623 |
| Credit loss provision to net charge-offs | 22.7085% | 4,915 |
| Earnings coverage of net charge-offs (x) | 1.1181% | 4,739 |
| Efficiency ratio | 58.3769% | 5,736 |
| Assets per employee ($millions) | 13.4992% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 6,631 |
| Loan loss allowance to noncurrent loans | 8.4840% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 7.6872% | 414 |
| Noncurrent loans to loans | 9.2338% | 291 |
| Net loans and leases to total assets | 58.5034% | 4,043 |
| Net loans and leases to deposits | 66.3978% | 4,422 |
| Net loans and leases to core deposits | 74.3814% | 3,924 |
| Total domestic deposits to total assets | 88.1104% | 1,980 |
| Equity capital to assets | 11.0948% | 3,158 |
| Core capital (leverage) ratio | 11.2043% | 2,210 |
| Tier 1 risk-based capital ratio | 24.2010% | 995 |
| Total risk-based capital ratio | 25.1975% | 1,011 |
| Memoranda: | ||
| Average total assets | $186,396,000 | 3,254 |
| Average earning assets | $175,655,000 | 3,188 |
| Average equity | $20,652,500 | 3,153 |
| Average total loans | $113,094,000 | 3,253 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 3,491 |
| Cost of funding earning assets | 1.8906% | 52 |
| Net interest margin | 2.6777% | 6,735 |
| Noninterest income to average assets | 0.0162% | 6,956 |
| Noninterest expense to average assets | 1.3539% | 7,073 |
| Loan and lease loss provision to assets | 0.2964% | 2,209 |
| Net operating income to assets | 0.5452% | 4,601 |
| Return on assets (ROA) | 0.5465% | 4,880 |
| Pretax return on assets | 0.8839% | 4,142 |
| Return on Equity (ROE) | 4.9349% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.9349% | 3,313 |
| Net charge-offs to loans | 2.1312% | 368 |
| Credit loss provision to net charge-offs | 22.7085% | 4,565 |
| Earnings coverage of net charge-offs (x) | 0.9026% | 4,591 |
| Efficiency ratio | 53.4696% | 6,372 |
| Assets per employee ($millions) | 14.6122% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7798% | 6,715 |
| Loan loss allowance to noncurrent loans | 8.5179% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 7.4443% | 492 |
| Noncurrent loans to loans | 9.1551% | 324 |
| Net loans and leases to total assets | 58.4735% | 4,086 |
| Net loans and leases to deposits | 66.4769% | 4,449 |
| Net loans and leases to core deposits | 74.1325% | 4,018 |
| Total domestic deposits to total assets | 87.9605% | 2,171 |
| Equity capital to assets | 10.9356% | 3,187 |
| Core capital (leverage) ratio | 11.2231% | 2,105 |
| Tier 1 risk-based capital ratio | 23.8484% | 1,034 |
| Total risk-based capital ratio | 24.8331% | 1,050 |
| Memoranda: | ||
| Average total assets | $185,531,670 | 3,272 |
| Average earning assets | $174,331,670 | 3,213 |
| Average equity | $20,547,330 | 3,158 |
| Average total loans | $113,646,000 | 3,256 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 3,053 |
| Cost of funding earning assets | 1.9544% | 55 |
| Net interest margin | 2.7465% | 6,721 |
| Noninterest income to average assets | -0.1026% | 7,169 |
| Noninterest expense to average assets | 1.4096% | 7,111 |
| Loan and lease loss provision to assets | 0.2727% | 2,279 |
| Net operating income to assets | 0.4735% | 4,937 |
| Return on assets (ROA) | 0.4735% | 5,135 |
| Pretax return on assets | 0.7724% | 4,520 |
| Return on Equity (ROE) | 4.2477% | 5,165 |
| Retained earnings to average equity (ytd only) | 4.2477% | 4,039 |
| Net charge-offs to loans | 3.9268% | 147 |
| Credit loss provision to net charge-offs | 11.1210% | 3,887 |
| Earnings coverage of net charge-offs (x) | 0.4262% | 4,143 |
| Efficiency ratio | 57.4222% | 5,985 |
| Assets per employee ($millions) | 15.4768% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 6,865 |
| Loan loss allowance to noncurrent loans | 10.8594% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 6.1964% | 739 |
| Noncurrent loans to loans | 6.5113% | 732 |
| Net loans and leases to total assets | 61.2446% | 3,403 |
| Net loans and leases to deposits | 69.6342% | 3,779 |
| Net loans and leases to core deposits | 77.4754% | 3,395 |
| Total domestic deposits to total assets | 87.9518% | 2,352 |
| Equity capital to assets | 11.0612% | 2,833 |
| Core capital (leverage) ratio | 11.2281% | 2,089 |
| Tier 1 risk-based capital ratio | 23.7060% | 1,039 |
| Total risk-based capital ratio | 24.6268% | 1,063 |
| Memoranda: | ||
| Average total assets | $183,318,500 | 3,330 |
| Average earning assets | $170,693,000 | 3,277 |
| Average equity | $20,434,500 | 3,170 |
| Average total loans | $114,495,000 | 3,265 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9312% | 3,201 |
| Cost of funding earning assets | 2.3319% | 39 |
| Net interest margin | 2.5993% | 7,001 |
| Noninterest income to average assets | -0.2188% | 7,167 |
| Noninterest expense to average assets | 1.2697% | 7,248 |
| Loan and lease loss provision to assets | 0.3682% | 2,784 |
| Net operating income to assets | 0.3163% | 5,197 |
| Return on assets (ROA) | 0.3163% | 5,351 |
| Pretax return on assets | 0.5203% | 4,931 |
| Return on Equity (ROE) | 2.7604% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.7604% | 4,270 |
| Net charge-offs to loans | 0.7375% | 2,305 |
| Credit loss provision to net charge-offs | 76.1792% | 4,632 |
| Earnings coverage of net charge-offs (x) | 1.8384% | 4,394 |
| Efficiency ratio | 58.8328% | 5,934 |
| Assets per employee ($millions) | 15.0763% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 6,909 |
| Loan loss allowance to noncurrent loans | 9.2629% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 8.1436% | 490 |
| Noncurrent loans to loans | 7.5282% | 557 |
| Net loans and leases to total assets | 62.8126% | 3,448 |
| Net loans and leases to deposits | 71.1848% | 3,921 |
| Net loans and leases to core deposits | 79.5049% | 3,506 |
| Total domestic deposits to total assets | 88.2387% | 2,005 |
| Equity capital to assets | 11.2350% | 2,755 |
| Core capital (leverage) ratio | 11.4064% | 1,964 |
| Tier 1 risk-based capital ratio | 22.9958% | 1,100 |
| Total risk-based capital ratio | 23.8851% | 1,120 |
| Memoranda: | ||
| Average total assets | $175,468,400 | 3,404 |
| Average earning assets | $160,468,400 | 3,393 |
| Average equity | $20,105,600 | 3,122 |
| Average total loans | $114,975,600 | 3,273 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 3,255 |
| Cost of funding earning assets | 2.4021% | 37 |
| Net interest margin | 2.5661% | 7,099 |
| Noninterest income to average assets | -0.0643% | 7,179 |
| Noninterest expense to average assets | 1.3570% | 7,295 |
| Loan and lease loss provision to assets | 0.3967% | 2,473 |
| Net operating income to assets | 0.3653% | 5,138 |
| Return on assets (ROA) | 0.3653% | 5,329 |
| Pretax return on assets | 0.5184% | 5,095 |
| Return on Equity (ROE) | 3.1719% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.1719% | 4,442 |
| Net charge-offs to loans | 0.7784% | 2,002 |
| Credit loss provision to net charge-offs | 77.0833% | 4,237 |
| Earnings coverage of net charge-offs (x) | 1.7783% | 4,326 |
| Efficiency ratio | 59.7236% | 5,766 |
| Assets per employee ($millions) | 14.7000% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 6,906 |
| Loan loss allowance to noncurrent loans | 10.7156% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 8.2959% | 518 |
| Noncurrent loans to loans | 6.9358% | 718 |
| Net loans and leases to total assets | 64.0493% | 3,299 |
| Net loans and leases to deposits | 72.8387% | 3,828 |
| Net loans and leases to core deposits | 81.5314% | 3,400 |
| Total domestic deposits to total assets | 87.9331% | 2,071 |
| Equity capital to assets | 11.5040% | 2,678 |
| Core capital (leverage) ratio | 11.6542% | 1,918 |
| Tier 1 risk-based capital ratio | 23.6389% | 1,053 |
| Total risk-based capital ratio | 24.6116% | 1,078 |
| Memoranda: | ||
| Average total assets | $174,106,500 | 3,446 |
| Average earning assets | $158,522,250 | 3,458 |
| Average equity | $20,050,500 | 3,136 |
| Average total loans | $115,110,500 | 3,297 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 3,414 |
| Cost of funding earning assets | 2.4317% | 40 |
| Net interest margin | 2.5144% | 7,179 |
| Noninterest income to average assets | -0.0312% | 7,239 |
| Noninterest expense to average assets | 1.3580% | 7,375 |
| Loan and lease loss provision to assets | 0.4131% | 2,365 |
| Net operating income to assets | 0.3577% | 5,144 |
| Return on assets (ROA) | 0.3577% | 5,281 |
| Pretax return on assets | 0.5146% | 5,012 |
| Return on Equity (ROE) | 3.1047% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.1047% | 4,300 |
| Net charge-offs to loans | 0.8482% | 1,807 |
| Credit loss provision to net charge-offs | 73.0612% | 3,979 |
| Earnings coverage of net charge-offs (x) | 1.6408% | 4,064 |
| Efficiency ratio | 59.4144% | 5,961 |
| Assets per employee ($millions) | 14.5254% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 6,950 |
| Loan loss allowance to noncurrent loans | 10.5957% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 8.0003% | 580 |
| Noncurrent loans to loans | 7.1032% | 716 |
| Net loans and leases to total assets | 65.6671% | 3,104 |
| Net loans and leases to deposits | 74.6404% | 3,701 |
| Net loans and leases to core deposits | 80.1761% | 3,759 |
| Total domestic deposits to total assets | 87.9780% | 2,150 |
| Equity capital to assets | 11.5464% | 2,460 |
| Core capital (leverage) ratio | 11.6985% | 1,783 |
| Tier 1 risk-based capital ratio | 23.4860% | 1,063 |
| Total risk-based capital ratio | 24.4857% | 1,070 |
| Memoranda: | ||
| Average total assets | $173,342,000 | 3,478 |
| Average earning assets | $159,723,000 | 3,453 |
| Average equity | $19,969,670 | 3,129 |
| Average total loans | $115,537,670 | 3,328 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 3,938 |
| Cost of funding earning assets | 2.4392% | 46 |
| Net interest margin | 2.3849% | 7,264 |
| Noninterest income to average assets | -0.0046% | 7,317 |
| Noninterest expense to average assets | 1.3421% | 7,437 |
| Loan and lease loss provision to assets | 0.3888% | 2,242 |
| Net operating income to assets | 0.3494% | 5,177 |
| Return on assets (ROA) | 0.3494% | 5,258 |
| Pretax return on assets | 0.4998% | 5,027 |
| Return on Equity (ROE) | 3.0365% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.0365% | 4,338 |
| Net charge-offs to loans | -0.4843% | 7,404 |
| Credit loss provision to net charge-offs | -120.0000% | 5,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1660% | 5,959 |
| Assets per employee ($millions) | 14.4023% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,927 |
| Loan loss allowance to noncurrent loans | 16.7843% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 7.0608% | 752 |
| Noncurrent loans to loans | 6.7351% | 855 |
| Net loans and leases to total assets | 66.1924% | 2,958 |
| Net loans and leases to deposits | 75.1221% | 3,565 |
| Net loans and leases to core deposits | 80.3894% | 3,689 |
| Total domestic deposits to total assets | 88.1130% | 2,308 |
| Equity capital to assets | 11.5531% | 2,224 |
| Core capital (leverage) ratio | 11.7064% | 1,736 |
| Tier 1 risk-based capital ratio | 23.4991% | 1,024 |
| Total risk-based capital ratio | 24.7488% | 1,007 |
| Memoranda: | ||
| Average total assets | $172,860,500 | 3,506 |
| Average earning assets | $162,021,000 | 3,420 |
| Average equity | $19,891,500 | 3,133 |
| Average total loans | $115,642,000 | 3,349 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 3,035 |
| Cost of funding earning assets | 2.8045% | 45 |
| Net interest margin | 2.5145% | 7,260 |
| Noninterest income to average assets | -0.2031% | 7,468 |
| Noninterest expense to average assets | 1.4642% | 7,460 |
| Loan and lease loss provision to assets | 0.4512% | 3,421 |
| Net operating income to assets | 0.1526% | 5,433 |
| Return on assets (ROA) | 0.1526% | 5,591 |
| Pretax return on assets | 0.2487% | 5,359 |
| Return on Equity (ROE) | 1.2744% | 5,629 |
| Retained earnings to average equity (ytd only) | 1.2744% | 4,913 |
| Net charge-offs to loans | 0.6389% | 3,103 |
| Credit loss provision to net charge-offs | 101.5048% | 4,468 |
| Earnings coverage of net charge-offs (x) | 1.5746% | 4,557 |
| Efficiency ratio | 67.6595% | 4,634 |
| Assets per employee ($millions) | 14.4078% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 6,810 |
| Loan loss allowance to noncurrent loans | 13.9938% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 6.1182% | 964 |
| Noncurrent loans to loans | 6.1829% | 996 |
| Net loans and leases to total assets | 66.2705% | 3,412 |
| Net loans and leases to deposits | 75.2806% | 3,961 |
| Net loans and leases to core deposits | 81.2211% | 4,019 |
| Total domestic deposits to total assets | 88.0313% | 2,231 |
| Equity capital to assets | 11.4614% | 2,292 |
| Core capital (leverage) ratio | 11.6147% | 1,771 |
| Tier 1 risk-based capital ratio | 23.5626% | 977 |
| Total risk-based capital ratio | 24.7360% | 961 |
| Memoranda: | ||
| Average total assets | $164,455,600 | 3,626 |
| Average earning assets | $154,824,200 | 3,552 |
| Average equity | $19,696,200 | 3,187 |
| Average total loans | $114,410,600 | 3,443 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3603% | 3,077 |
| Cost of funding earning assets | 2.8718% | 43 |
| Net interest margin | 2.4885% | 7,388 |
| Noninterest income to average assets | -0.1749% | 7,582 |
| Noninterest expense to average assets | 1.4922% | 7,552 |
| Loan and lease loss provision to assets | 0.4213% | 3,379 |
| Net operating income to assets | 0.1914% | 5,533 |
| Return on assets (ROA) | 0.1914% | 5,694 |
| Pretax return on assets | 0.2571% | 5,598 |
| Return on Equity (ROE) | 1.5797% | 5,743 |
| Retained earnings to average equity (ytd only) | 1.5797% | 5,163 |
| Net charge-offs to loans | 0.7033% | 2,657 |
| Credit loss provision to net charge-offs | 85.2159% | 4,953 |
| Earnings coverage of net charge-offs (x) | 1.3721% | 4,706 |
| Efficiency ratio | 68.7476% | 4,322 |
| Assets per employee ($millions) | 13.9908% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 7,067 |
| Loan loss allowance to noncurrent loans | 13.3274% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 6.2237% | 940 |
| Noncurrent loans to loans | 5.7472% | 1,128 |
| Net loans and leases to total assets | 69.4502% | 2,868 |
| Net loans and leases to deposits | 79.3456% | 3,569 |
| Net loans and leases to core deposits | 85.1897% | 3,770 |
| Total domestic deposits to total assets | 87.5287% | 2,246 |
| Equity capital to assets | 11.7577% | 2,317 |
| Core capital (leverage) ratio | 11.9507% | 1,697 |
| Tier 1 risk-based capital ratio | 23.1986% | 1,039 |
| Total risk-based capital ratio | 24.2392% | 1,043 |
| Memoranda: | ||
| Average total assets | $162,346,250 | 3,709 |
| Average earning assets | $153,022,750 | 3,638 |
| Average equity | $19,666,250 | 3,234 |
| Average total loans | $114,119,000 | 3,497 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3688% | 3,113 |
| Cost of funding earning assets | 2.9252% | 45 |
| Net interest margin | 2.4436% | 7,449 |
| Noninterest income to average assets | -0.0611% | 7,598 |
| Noninterest expense to average assets | 1.5003% | 7,614 |
| Loan and lease loss provision to assets | 0.4910% | 2,843 |
| Net operating income to assets | 0.2368% | 5,428 |
| Return on assets (ROA) | 0.2368% | 5,569 |
| Pretax return on assets | 0.2617% | 5,621 |
| Return on Equity (ROE) | 1.9347% | 5,656 |
| Retained earnings to average equity (ytd only) | 1.9347% | 4,904 |
| Net charge-offs to loans | 0.9611% | 1,920 |
| Credit loss provision to net charge-offs | 72.5599% | 4,904 |
| Earnings coverage of net charge-offs (x) | 1.1123% | 4,680 |
| Efficiency ratio | 66.5929% | 4,865 |
| Assets per employee ($millions) | 13.7997% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 7,206 |
| Loan loss allowance to noncurrent loans | 9.9917% | 7,263 |
| Noncurrent assets plus other real estate owned to assets | 7.3251% | 703 |
| Noncurrent loans to loans | 7.2033% | 766 |
| Net loans and leases to total assets | 70.1382% | 2,870 |
| Net loans and leases to deposits | 80.1969% | 3,567 |
| Net loans and leases to core deposits | 86.0736% | 3,817 |
| Total domestic deposits to total assets | 87.4574% | 2,281 |
| Equity capital to assets | 11.8952% | 2,156 |
| Core capital (leverage) ratio | 12.0909% | 1,598 |
| Tier 1 risk-based capital ratio | 22.8687% | 1,081 |
| Total risk-based capital ratio | 23.8304% | 1,090 |
| Memoranda: | ||
| Average total assets | $160,498,330 | 3,780 |
| Average earning assets | $151,990,330 | 3,672 |
| Average equity | $19,641,670 | 3,224 |
| Average total loans | $112,992,000 | 3,559 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 3,099 |
| Cost of funding earning assets | 2.9837% | 50 |
| Net interest margin | 2.4035% | 7,532 |
| Noninterest income to average assets | 0.0203% | 7,595 |
| Noninterest expense to average assets | 1.4941% | 7,715 |
| Loan and lease loss provision to assets | 0.0633% | 6,012 |
| Net operating income to assets | 0.5217% | 4,277 |
| Return on assets (ROA) | 0.5217% | 4,420 |
| Pretax return on assets | 0.7496% | 4,065 |
| Return on Equity (ROE) | 4.2012% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.2012% | 3,628 |
| Net charge-offs to loans | 0.1586% | 3,973 |
| Credit loss provision to net charge-offs | 56.8182% | 4,364 |
| Earnings coverage of net charge-offs (x) | 7.2955% | 2,108 |
| Efficiency ratio | 64.7640% | 5,348 |
| Assets per employee ($millions) | 13.2351% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,940 |
| Loan loss allowance to noncurrent loans | 11.2112% | 7,309 |
| Noncurrent assets plus other real estate owned to assets | 8.2124% | 593 |
| Noncurrent loans to loans | 7.7199% | 720 |
| Net loans and leases to total assets | 70.0279% | 2,927 |
| Net loans and leases to deposits | 80.4693% | 3,562 |
| Net loans and leases to core deposits | 85.2233% | 4,003 |
| Total domestic deposits to total assets | 87.0244% | 2,621 |
| Equity capital to assets | 12.4140% | 1,800 |
| Core capital (leverage) ratio | 12.6180% | 1,360 |
| Tier 1 risk-based capital ratio | 23.7993% | 982 |
| Total risk-based capital ratio | 24.9525% | 968 |
| Memoranda: | ||
| Average total assets | $157,949,500 | 3,882 |
| Average earning assets | $150,282,000 | 3,750 |
| Average equity | $19,613,500 | 3,250 |
| Average total loans | $110,994,000 | 3,662 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 4,895 |
| Cost of funding earning assets | 3.4083% | 63 |
| Net interest margin | 1.9510% | 7,763 |
| Noninterest income to average assets | 0.0331% | 7,576 |
| Noninterest expense to average assets | 1.5457% | 7,797 |
| Loan and lease loss provision to assets | 0.6119% | 3,350 |
| Net operating income to assets | -0.1563% | 5,771 |
| Return on assets (ROA) | -0.1563% | 5,770 |
| Pretax return on assets | -0.2556% | 5,777 |
| Return on Equity (ROE) | -1.1961% | 5,720 |
| Retained earnings to average equity (ytd only) | -1.1961% | 5,310 |
| Net charge-offs to loans | 0.3219% | 4,628 |
| Credit loss provision to net charge-offs | 277.4775% | 1,236 |
| Earnings coverage of net charge-offs (x) | 1.6156% | 4,532 |
| Efficiency ratio | 81.2674% | 2,704 |
| Assets per employee ($millions) | 13.0898% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 6,801 |
| Loan loss allowance to noncurrent loans | 18.9983% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 4.9631% | 1,247 |
| Noncurrent loans to loans | 4.7460% | 1,464 |
| Net loans and leases to total assets | 69.2700% | 3,421 |
| Net loans and leases to deposits | 79.9665% | 4,001 |
| Net loans and leases to core deposits | 132.2026% | 1,158 |
| Total domestic deposits to total assets | 86.6238% | 2,695 |
| Equity capital to assets | 12.4212% | 1,787 |
| Core capital (leverage) ratio | 12.6275% | 1,394 |
| Tier 1 risk-based capital ratio | 24.7792% | 867 |
| Total risk-based capital ratio | 26.0160% | 845 |
| Memoranda: | ||
| Average total assets | $150,999,800 | 3,943 |
| Average earning assets | $144,645,400 | 3,801 |
| Average equity | $19,731,600 | 3,243 |
| Average total loans | $103,447,400 | 3,859 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 4,714 |
| Cost of funding earning assets | 3.4688% | 83 |
| Net interest margin | 1.9755% | 7,828 |
| Noninterest income to average assets | 0.0214% | 7,764 |
| Noninterest expense to average assets | 1.6341% | 7,807 |
| Loan and lease loss provision to assets | 0.1650% | 5,707 |
| Net operating income to assets | 0.0838% | 5,515 |
| Return on assets (ROA) | 0.0838% | 5,564 |
| Pretax return on assets | 0.1151% | 5,496 |
| Return on Equity (ROE) | 0.6334% | 5,603 |
| Retained earnings to average equity (ytd only) | 0.6334% | 4,930 |
| Net charge-offs to loans | 0.1715% | 5,017 |
| Credit loss provision to net charge-offs | 141.2214% | 3,478 |
| Earnings coverage of net charge-offs (x) | 2.3970% | 4,034 |
| Efficiency ratio | 85.3681% | 2,146 |
| Assets per employee ($millions) | 12.9968% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4258% | 7,799 |
| Loan loss allowance to noncurrent loans | 7.1328% | 7,490 |
| Noncurrent assets plus other real estate owned to assets | 6.2888% | 827 |
| Noncurrent loans to loans | 5.9697% | 995 |
| Net loans and leases to total assets | 68.0728% | 3,940 |
| Net loans and leases to deposits | 78.6253% | 4,634 |
| Net loans and leases to core deposits | 125.9201% | 1,744 |
| Total domestic deposits to total assets | 86.5787% | 2,389 |
| Equity capital to assets | 12.7096% | 1,826 |
| Core capital (leverage) ratio | 12.9289% | 1,397 |
| Tier 1 risk-based capital ratio | 25.6504% | 844 |
| Total risk-based capital ratio | 26.2279% | 876 |
| Memoranda: | ||
| Average total assets | $149,480,250 | 3,987 |
| Average earning assets | $143,216,000 | 3,856 |
| Average equity | $19,786,750 | 3,276 |
| Average total loans | $101,859,750 | 3,939 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 5,032 |
| Cost of funding earning assets | 3.5180% | 106 |
| Net interest margin | 1.9041% | 7,910 |
| Noninterest income to average assets | -0.0149% | 7,985 |
| Noninterest expense to average assets | 1.6997% | 7,831 |
| Loan and lease loss provision to assets | 0.0543% | 6,680 |
| Net operating income to assets | 0.0570% | 5,691 |
| Return on assets (ROA) | 0.0570% | 5,776 |
| Pretax return on assets | 0.0570% | 5,770 |
| Return on Equity (ROE) | 0.4248% | 5,806 |
| Retained earnings to average equity (ytd only) | 0.4248% | 5,049 |
| Net charge-offs to loans | 0.1416% | 4,755 |
| Credit loss provision to net charge-offs | 56.3380% | 5,654 |
| Earnings coverage of net charge-offs (x) | 1.1549% | 4,658 |
| Efficiency ratio | 93.8531% | 1,504 |
| Assets per employee ($millions) | 12.6813% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3622% | 7,936 |
| Loan loss allowance to noncurrent loans | 5.2873% | 7,541 |
| Noncurrent assets plus other real estate owned to assets | 7.2660% | 569 |
| Noncurrent loans to loans | 6.8501% | 726 |
| Net loans and leases to total assets | 66.7074% | 4,417 |
| Net loans and leases to deposits | 77.1972% | 4,996 |
| Net loans and leases to core deposits | 120.5548% | 2,316 |
| Total domestic deposits to total assets | 86.4117% | 2,562 |
| Equity capital to assets | 12.9929% | 1,694 |
| Core capital (leverage) ratio | 13.2177% | 1,358 |
| Tier 1 risk-based capital ratio | 26.0527% | 861 |
| Total risk-based capital ratio | 26.5307% | 895 |
| Memoranda: | ||
| Average total assets | $147,320,000 | 4,046 |
| Average earning assets | $141,272,330 | 3,922 |
| Average equity | $19,775,000 | 3,279 |
| Average total loans | $100,272,670 | 4,007 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7405% | 3,583 |
| Cost of funding earning assets | 3.5238% | 143 |
| Net interest margin | 2.2167% | 7,781 |
| Noninterest income to average assets | -0.0828% | 8,127 |
| Noninterest expense to average assets | 1.5598% | 7,935 |
| Loan and lease loss provision to assets | 0.0497% | 6,348 |
| Net operating income to assets | 0.2623% | 5,426 |
| Return on assets (ROA) | 0.2623% | 5,595 |
| Pretax return on assets | 0.4472% | 5,251 |
| Return on Equity (ROE) | 1.9215% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.9215% | 4,782 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8389% | 3,518 |
| Assets per employee ($millions) | 11.4007% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4243% | 7,920 |
| Loan loss allowance to noncurrent loans | 7.0752% | 7,537 |
| Noncurrent assets plus other real estate owned to assets | 6.3795% | 595 |
| Noncurrent loans to loans | 5.9972% | 804 |
| Net loans and leases to total assets | 66.1869% | 4,546 |
| Net loans and leases to deposits | 76.9433% | 5,090 |
| Net loans and leases to core deposits | 118.8901% | 2,514 |
| Total domestic deposits to total assets | 86.0204% | 2,706 |
| Equity capital to assets | 13.3750% | 1,585 |
| Core capital (leverage) ratio | 13.6058% | 1,291 |
| Tier 1 risk-based capital ratio | 27.8549% | 766 |
| Total risk-based capital ratio | 28.4323% | 786 |
| Memoranda: | ||
| Average total assets | $144,892,500 | 4,095 |
| Average earning assets | $139,848,500 | 3,959 |
| Average equity | $19,776,500 | 3,293 |
| Average total loans | $99,468,500 | 4,048 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0328% | 5,402 |
| Cost of funding earning assets | 3.7366% | 240 |
| Net interest margin | 2.2962% | 7,910 |
| Noninterest income to average assets | 0.0698% | 7,795 |
| Noninterest expense to average assets | 1.4240% | 8,061 |
| Loan and lease loss provision to assets | 0.0896% | 6,262 |
| Net operating income to assets | 0.4783% | 4,840 |
| Return on assets (ROA) | 0.4783% | 4,654 |
| Pretax return on assets | 0.7877% | 4,116 |
| Return on Equity (ROE) | 3.3230% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.3230% | 3,077 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8774% | 5,976 |
| Assets per employee ($millions) | 12.8705% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3983% | 7,977 |
| Loan loss allowance to noncurrent loans | 8.4513% | 7,519 |
| Noncurrent assets plus other real estate owned to assets | 3.3431% | 1,349 |
| Noncurrent loans to loans | 4.7130% | 984 |
| Net loans and leases to total assets | 70.6504% | 3,872 |
| Net loans and leases to deposits | 82.7369% | 4,617 |
| Net loans and leases to core deposits | 126.4750% | 2,128 |
| Total domestic deposits to total assets | 85.3916% | 2,671 |
| Equity capital to assets | 13.9360% | 1,445 |
| Core capital (leverage) ratio | 14.1775% | 1,224 |
| Tier 1 risk-based capital ratio | 28.2911% | 744 |
| Total risk-based capital ratio | 28.8549% | 766 |
| Memoranda: | ||
| Average total assets | $136,095,200 | 4,161 |
| Average earning assets | $132,260,200 | 4,003 |
| Average equity | $19,591,000 | 3,293 |
| Average total loans | $91,171,800 | 4,187 |