Home > Simplicity Bank > Performance and Condition Ratios
Simplicity Bank, Performance and Condition Ratios
| 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 | 3.9501% | 3,924 |
| Cost of funding earning assets | 0.8086% | 624 |
| Net interest margin | 3.1416% | 5,092 |
| Noninterest income to average assets | 0.5903% | 2,914 |
| Noninterest expense to average assets | 2.6392% | 4,092 |
| Loan and lease loss provision to assets | -0.1330% | 6,207 |
| Net operating income to assets | 0.6551% | 4,112 |
| Return on assets (ROA) | 0.6551% | 4,217 |
| Pretax return on assets | 1.0724% | 3,198 |
| Return on Equity (ROE) | 4.4818% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.4818% | 2,985 |
| Net charge-offs to loans | -0.0035% | 5,427 |
| Credit loss provision to net charge-offs | 4,600.0000% | 67 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7513% | 2,874 |
| Assets per employee ($millions) | 7.3154% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5698% | 6,185 |
| Loan loss allowance to noncurrent loans | 50.0448% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 2,949 |
| Noncurrent loans to loans | 1.1387% | 2,564 |
| Net loans and leases to total assets | 79.1165% | 867 |
| Net loans and leases to deposits | 103.3334% | 460 |
| Net loans and leases to core deposits | 109.0654% | 825 |
| Total domestic deposits to total assets | 76.5643% | 5,662 |
| Equity capital to assets | 15.0476% | 698 |
| Core capital (leverage) ratio | 14.7669% | 653 |
| Tier 1 risk-based capital ratio | 23.3840% | 1,021 |
| Total risk-based capital ratio | 24.1044% | 1,081 |
| Memoranda: | ||
| Average total assets | $864,342,200 | 777 |
| Average earning assets | $822,172,000 | 743 |
| Average equity | $126,334,000 | 576 |
| Average total loans | $712,878,000 | 612 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,609 |
| Cost of funding earning assets | 0.8060% | 666 |
| Net interest margin | 3.2300% | 4,857 |
| Noninterest income to average assets | 0.5906% | 2,927 |
| Noninterest expense to average assets | 2.6747% | 3,921 |
| Loan and lease loss provision to assets | -0.1157% | 6,304 |
| Net operating income to assets | 0.6802% | 4,044 |
| Return on assets (ROA) | 0.6802% | 4,133 |
| Pretax return on assets | 1.1046% | 3,167 |
| Return on Equity (ROE) | 4.6883% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.6883% | 3,294 |
| Net charge-offs to loans | -0.0076% | 5,370 |
| Credit loss provision to net charge-offs | 1,829.2683% | 194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0070% | 2,997 |
| Assets per employee ($millions) | 7.1942% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6177% | 6,202 |
| Loan loss allowance to noncurrent loans | 60.6783% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 3,262 |
| Noncurrent loans to loans | 1.0180% | 3,036 |
| Net loans and leases to total assets | 80.6932% | 641 |
| Net loans and leases to deposits | 105.1895% | 358 |
| Net loans and leases to core deposits | 111.0101% | 708 |
| Total domestic deposits to total assets | 76.7122% | 5,725 |
| Equity capital to assets | 14.8565% | 765 |
| Core capital (leverage) ratio | 14.5872% | 705 |
| Tier 1 risk-based capital ratio | 22.3733% | 1,209 |
| Total risk-based capital ratio | 23.1450% | 1,261 |
| Memoranda: | ||
| Average total assets | $864,623,250 | 775 |
| Average earning assets | $822,612,500 | 743 |
| Average equity | $125,444,000 | 575 |
| Average total loans | $719,382,000 | 603 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 3,382 |
| Cost of funding earning assets | 0.7947% | 731 |
| Net interest margin | 3.2980% | 4,596 |
| Noninterest income to average assets | 0.5886% | 2,874 |
| Noninterest expense to average assets | 2.7471% | 3,709 |
| Loan and lease loss provision to assets | -0.0925% | 6,365 |
| Net operating income to assets | 0.6721% | 3,980 |
| Return on assets (ROA) | 0.6721% | 4,075 |
| Pretax return on assets | 1.0704% | 3,208 |
| Return on Equity (ROE) | 4.6696% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.6696% | 3,172 |
| Net charge-offs to loans | 0.0163% | 3,900 |
| Credit loss provision to net charge-offs | -677.9661% | 5,650 |
| Earnings coverage of net charge-offs (x) | 71.6949% | 723 |
| Efficiency ratio | 73.7463% | 3,020 |
| Assets per employee ($millions) | 7.3262% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 6,268 |
| Loan loss allowance to noncurrent loans | 59.6976% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 3,280 |
| Noncurrent loans to loans | 1.0596% | 3,111 |
| Net loans and leases to total assets | 81.8343% | 479 |
| Net loans and leases to deposits | 109.1573% | 225 |
| Net loans and leases to core deposits | 115.2091% | 497 |
| Total domestic deposits to total assets | 74.9692% | 6,030 |
| Equity capital to assets | 14.3933% | 847 |
| Core capital (leverage) ratio | 14.1250% | 798 |
| Tier 1 risk-based capital ratio | 20.8857% | 1,464 |
| Total risk-based capital ratio | 21.6584% | 1,557 |
| Memoranda: | ||
| Average total assets | $865,063,330 | 774 |
| Average earning assets | $822,685,670 | 747 |
| Average equity | $124,506,330 | 578 |
| Average total loans | $725,523,670 | 596 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,454 |
| Cost of funding earning assets | 0.7883% | 792 |
| Net interest margin | 3.2654% | 4,685 |
| Noninterest income to average assets | 0.5916% | 2,784 |
| Noninterest expense to average assets | 2.6792% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6028% | 4,188 |
| Return on assets (ROA) | 0.6028% | 4,263 |
| Pretax return on assets | 1.0140% | 3,269 |
| Return on Equity (ROE) | 4.1882% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.1882% | 3,613 |
| Net charge-offs to loans | 0.0154% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 77.6786% | 554 |
| Efficiency ratio | 72.5448% | 3,388 |
| Assets per employee ($millions) | 7.1164% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 6,299 |
| Loan loss allowance to noncurrent loans | 34.5705% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 2,056 |
| Noncurrent loans to loans | 1.9840% | 1,884 |
| Net loans and leases to total assets | 84.2635% | 222 |
| Net loans and leases to deposits | 112.8183% | 114 |
| Net loans and leases to core deposits | 119.1773% | 339 |
| Total domestic deposits to total assets | 74.6895% | 6,188 |
| Equity capital to assets | 14.4384% | 804 |
| Core capital (leverage) ratio | 14.1828% | 763 |
| Tier 1 risk-based capital ratio | 19.3621% | 1,871 |
| Total risk-based capital ratio | 20.1590% | 1,954 |
| Memoranda: | ||
| Average total assets | $858,021,000 | 790 |
| Average earning assets | $814,969,000 | 760 |
| Average equity | $123,490,500 | 581 |
| Average total loans | $726,273,000 | 600 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,598 |
| Cost of funding earning assets | 0.8411% | 988 |
| Net interest margin | 3.2937% | 4,690 |
| Noninterest income to average assets | 0.6701% | 2,704 |
| Noninterest expense to average assets | 2.8077% | 3,697 |
| Loan and lease loss provision to assets | -0.1732% | 6,572 |
| Net operating income to assets | 0.7356% | 3,628 |
| Return on assets (ROA) | 0.7356% | 3,711 |
| Pretax return on assets | 1.1630% | 2,719 |
| Return on Equity (ROE) | 4.9607% | 4,648 |
| Retained earnings to average equity (ytd only) | -6.7225% | 6,445 |
| Net charge-offs to loans | 0.0111% | 5,230 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,311 |
| Earnings coverage of net charge-offs (x) | 107.1250% | 440 |
| Efficiency ratio | 73.9294% | 3,137 |
| Assets per employee ($millions) | 7.0658% | 735 |
| Cash dividends to net income (ytd only)* | 235.5158% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 6,346 |
| Loan loss allowance to noncurrent loans | 42.6275% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 2,626 |
| Noncurrent loans to loans | 1.6373% | 2,448 |
| Net loans and leases to total assets | 83.8540% | 266 |
| Net loans and leases to deposits | 112.2510% | 134 |
| Net loans and leases to core deposits | 118.4623% | 360 |
| Total domestic deposits to total assets | 74.7023% | 6,226 |
| Equity capital to assets | 14.3462% | 817 |
| Core capital (leverage) ratio | 14.1009% | 802 |
| Tier 1 risk-based capital ratio | 20.2850% | 1,590 |
| Total risk-based capital ratio | 21.1353% | 1,652 |
| Memoranda: | ||
| Average total assets | $865,828,000 | 764 |
| Average earning assets | $822,125,200 | 727 |
| Average equity | $128,389,000 | 554 |
| Average total loans | $718,597,000 | 585 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,557 |
| Cost of funding earning assets | 0.8585% | 996 |
| Net interest margin | 3.2944% | 4,660 |
| Noninterest income to average assets | 0.6863% | 2,687 |
| Noninterest expense to average assets | 2.8014% | 3,660 |
| Loan and lease loss provision to assets | -0.1842% | 6,708 |
| Net operating income to assets | 0.7614% | 3,550 |
| Return on assets (ROA) | 0.7614% | 3,680 |
| Pretax return on assets | 1.1977% | 2,705 |
| Return on Equity (ROE) | 5.0940% | 4,677 |
| Retained earnings to average equity (ytd only) | -10.3113% | 6,646 |
| Net charge-offs to loans | -0.0126% | 5,937 |
| Credit loss provision to net charge-offs | 1,764.7059% | 189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4256% | 3,153 |
| Assets per employee ($millions) | 6.3226% | 1,025 |
| Cash dividends to net income (ytd only)* | 302.4193% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 6,351 |
| Loan loss allowance to noncurrent loans | 40.4139% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 1.6656% | 2,467 |
| Noncurrent loans to loans | 1.8817% | 2,396 |
| Net loans and leases to total assets | 85.7977% | 159 |
| Net loans and leases to deposits | 110.9608% | 139 |
| Net loans and leases to core deposits | 117.2975% | 369 |
| Total domestic deposits to total assets | 77.3225% | 6,000 |
| Equity capital to assets | 14.5203% | 823 |
| Core capital (leverage) ratio | 14.2499% | 805 |
| Tier 1 risk-based capital ratio | 20.1844% | 1,690 |
| Total risk-based capital ratio | 21.1186% | 1,736 |
| Memoranda: | ||
| Average total assets | $868,544,250 | 764 |
| Average earning assets | $824,822,500 | 730 |
| Average equity | $129,822,500 | 552 |
| Average total loans | $717,756,250 | 585 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 3,495 |
| Cost of funding earning assets | 0.8689% | 1,041 |
| Net interest margin | 3.2931% | 4,613 |
| Noninterest income to average assets | 0.7049% | 2,611 |
| Noninterest expense to average assets | 2.7561% | 3,834 |
| Loan and lease loss provision to assets | -0.2728% | 6,821 |
| Net operating income to assets | 0.8606% | 2,988 |
| Return on assets (ROA) | 0.8606% | 3,141 |
| Pretax return on assets | 1.3504% | 2,119 |
| Return on Equity (ROE) | 5.7060% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.7060% | 2,607 |
| Net charge-offs to loans | -0.0625% | 6,344 |
| Credit loss provision to net charge-offs | 535.7143% | 528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8783% | 3,494 |
| Assets per employee ($millions) | 6.7235% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 6,342 |
| Loan loss allowance to noncurrent loans | 35.2930% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8435% | 2,350 |
| Noncurrent loans to loans | 2.2846% | 2,074 |
| Net loans and leases to total assets | 80.0394% | 535 |
| Net loans and leases to deposits | 105.0484% | 249 |
| Net loans and leases to core deposits | 111.2746% | 511 |
| Total domestic deposits to total assets | 76.1929% | 6,233 |
| Equity capital to assets | 15.5322% | 614 |
| Core capital (leverage) ratio | 15.2810% | 563 |
| Tier 1 risk-based capital ratio | 22.8714% | 1,155 |
| Total risk-based capital ratio | 23.8481% | 1,181 |
| Memoranda: | ||
| Average total assets | $879,865,000 | 753 |
| Average earning assets | $836,000,000 | 717 |
| Average equity | $132,702,000 | 548 |
| Average total loans | $716,495,330 | 579 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 3,381 |
| Cost of funding earning assets | 0.8735% | 1,126 |
| Net interest margin | 3.3070% | 4,490 |
| Noninterest income to average assets | 0.6776% | 2,708 |
| Noninterest expense to average assets | 2.5870% | 4,444 |
| Loan and lease loss provision to assets | 0.1806% | 2,051 |
| Net operating income to assets | 0.6554% | 3,928 |
| Return on assets (ROA) | 0.6554% | 4,084 |
| Pretax return on assets | 1.0527% | 3,138 |
| Return on Equity (ROE) | 4.4102% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.4102% | 3,591 |
| Net charge-offs to loans | 0.3206% | 1,681 |
| Credit loss provision to net charge-offs | 68.8468% | 2,314 |
| Earnings coverage of net charge-offs (x) | 4.7022% | 2,496 |
| Efficiency ratio | 67.6947% | 4,368 |
| Assets per employee ($millions) | 6.9468% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 6,279 |
| Loan loss allowance to noncurrent loans | 32.7500% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 2.2581% | 2,068 |
| Noncurrent loans to loans | 2.7229% | 1,878 |
| Net loans and leases to total assets | 81.1003% | 341 |
| Net loans and leases to deposits | 105.3418% | 205 |
| Net loans and leases to core deposits | 111.3944% | 451 |
| Total domestic deposits to total assets | 76.9878% | 6,252 |
| Equity capital to assets | 15.0153% | 752 |
| Core capital (leverage) ratio | 14.7262% | 632 |
| Tier 1 risk-based capital ratio | 21.5779% | 1,407 |
| Total risk-based capital ratio | 22.6508% | 1,422 |
| Memoranda: | ||
| Average total assets | $886,130,000 | 752 |
| Average earning assets | $842,086,500 | 720 |
| Average equity | $131,695,000 | 559 |
| Average total loans | $724,816,500 | 582 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 3,633 |
| Cost of funding earning assets | 1.0897% | 942 |
| Net interest margin | 3.3551% | 5,051 |
| Noninterest income to average assets | 0.6027% | 3,264 |
| Noninterest expense to average assets | 2.6050% | 4,725 |
| Loan and lease loss provision to assets | 0.1846% | 3,331 |
| Net operating income to assets | 0.6320% | 4,078 |
| Return on assets (ROA) | 0.6320% | 4,346 |
| Pretax return on assets | 0.9971% | 3,557 |
| Return on Equity (ROE) | 4.5584% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.5584% | 3,014 |
| Net charge-offs to loans | 0.4458% | 2,446 |
| Credit loss provision to net charge-offs | 51.9243% | 4,649 |
| Earnings coverage of net charge-offs (x) | 3.3238% | 3,775 |
| Efficiency ratio | 68.7276% | 4,013 |
| Assets per employee ($millions) | 7.1201% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 6,246 |
| Loan loss allowance to noncurrent loans | 27.1772% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 2.7955% | 1,715 |
| Noncurrent loans to loans | 3.3469% | 1,521 |
| Net loans and leases to total assets | 81.0180% | 392 |
| Net loans and leases to deposits | 104.7210% | 249 |
| Net loans and leases to core deposits | 110.8874% | 510 |
| Total domestic deposits to total assets | 77.3656% | 6,182 |
| Equity capital to assets | 14.7097% | 818 |
| Core capital (leverage) ratio | 14.4107% | 690 |
| Tier 1 risk-based capital ratio | 21.8381% | 1,294 |
| Total risk-based capital ratio | 22.9691% | 1,295 |
| Memoranda: | ||
| Average total assets | $920,868,200 | 715 |
| Average earning assets | $873,929,600 | 679 |
| Average equity | $127,677,400 | 564 |
| Average total loans | $734,351,400 | 560 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 3,618 |
| Cost of funding earning assets | 1.1170% | 994 |
| Net interest margin | 3.3873% | 5,075 |
| Noninterest income to average assets | 0.5074% | 3,873 |
| Noninterest expense to average assets | 2.5111% | 5,042 |
| Loan and lease loss provision to assets | 0.1579% | 3,538 |
| Net operating income to assets | 0.6644% | 4,066 |
| Return on assets (ROA) | 0.6644% | 4,337 |
| Pretax return on assets | 1.0518% | 3,528 |
| Return on Equity (ROE) | 4.8627% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.8627% | 3,467 |
| Net charge-offs to loans | 0.5255% | 2,041 |
| Credit loss provision to net charge-offs | 37.9180% | 4,655 |
| Earnings coverage of net charge-offs (x) | 2.9042% | 3,872 |
| Efficiency ratio | 67.4230% | 4,191 |
| Assets per employee ($millions) | 7.0939% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 6,516 |
| Loan loss allowance to noncurrent loans | 24.8127% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 2.8817% | 1,817 |
| Noncurrent loans to loans | 3.4093% | 1,603 |
| Net loans and leases to total assets | 81.8715% | 346 |
| Net loans and leases to deposits | 107.7043% | 199 |
| Net loans and leases to core deposits | 114.2176% | 424 |
| Total domestic deposits to total assets | 76.0151% | 6,377 |
| Equity capital to assets | 14.1503% | 1,097 |
| Core capital (leverage) ratio | 13.8608% | 880 |
| Tier 1 risk-based capital ratio | 20.8941% | 1,549 |
| Total risk-based capital ratio | 21.9506% | 1,562 |
| Memoranda: | ||
| Average total assets | $928,582,250 | 716 |
| Average earning assets | $880,921,750 | 679 |
| Average equity | $126,867,250 | 567 |
| Average total loans | $736,017,000 | 559 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 3,749 |
| Cost of funding earning assets | 1.1572% | 992 |
| Net interest margin | 3.3467% | 5,282 |
| Noninterest income to average assets | 0.4295% | 4,435 |
| Noninterest expense to average assets | 2.4577% | 5,269 |
| Loan and lease loss provision to assets | 0.0536% | 4,991 |
| Net operating income to assets | 0.6893% | 3,924 |
| Return on assets (ROA) | 0.6893% | 4,187 |
| Pretax return on assets | 1.0917% | 3,334 |
| Return on Equity (ROE) | 5.1051% | 4,759 |
| Retained earnings to average equity (ytd only) | 5.1051% | 3,222 |
| Net charge-offs to loans | 0.2580% | 3,031 |
| Credit loss provision to net charge-offs | 26.5675% | 4,493 |
| Earnings coverage of net charge-offs (x) | 5.6780% | 2,782 |
| Efficiency ratio | 68.1421% | 4,091 |
| Assets per employee ($millions) | 7.1543% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,256 |
| Loan loss allowance to noncurrent loans | 29.3724% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 2.9060% | 1,904 |
| Noncurrent loans to loans | 3.3075% | 1,762 |
| Net loans and leases to total assets | 82.8604% | 273 |
| Net loans and leases to deposits | 108.6245% | 170 |
| Net loans and leases to core deposits | 114.9504% | 423 |
| Total domestic deposits to total assets | 76.2815% | 6,421 |
| Equity capital to assets | 13.8383% | 1,170 |
| Core capital (leverage) ratio | 13.5212% | 972 |
| Tier 1 risk-based capital ratio | 19.8958% | 1,724 |
| Total risk-based capital ratio | 21.0963% | 1,708 |
| Memoranda: | ||
| Average total assets | $933,072,000 | 714 |
| Average earning assets | $884,753,670 | 677 |
| Average equity | $125,992,670 | 571 |
| Average total loans | $729,486,330 | 563 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 4,076 |
| Cost of funding earning assets | 1.1737% | 1,091 |
| Net interest margin | 3.2849% | 5,514 |
| Noninterest income to average assets | 0.4716% | 4,136 |
| Noninterest expense to average assets | 2.4226% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7299% | 3,733 |
| Return on assets (ROA) | 0.7299% | 3,967 |
| Pretax return on assets | 1.1636% | 3,056 |
| Return on Equity (ROE) | 5.4726% | 4,561 |
| Retained earnings to average equity (ytd only) | 5.4726% | 3,277 |
| Net charge-offs to loans | 0.1497% | 3,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.2981% | 1,767 |
| Efficiency ratio | 67.4831% | 4,275 |
| Assets per employee ($millions) | 7.4361% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,879 |
| Loan loss allowance to noncurrent loans | 31.6108% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 2.7325% | 2,157 |
| Noncurrent loans to loans | 3.5041% | 1,782 |
| Net loans and leases to total assets | 74.9475% | 929 |
| Net loans and leases to deposits | 100.0615% | 366 |
| Net loans and leases to core deposits | 105.9883% | 672 |
| Total domestic deposits to total assets | 74.9014% | 6,657 |
| Equity capital to assets | 13.3547% | 1,292 |
| Core capital (leverage) ratio | 13.0611% | 1,107 |
| Tier 1 risk-based capital ratio | 21.5877% | 1,365 |
| Total risk-based capital ratio | 22.8394% | 1,339 |
| Memoranda: | ||
| Average total assets | $938,156,500 | 706 |
| Average earning assets | $889,513,000 | 672 |
| Average equity | $125,132,000 | 574 |
| Average total loans | $708,118,000 | 579 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 3,145 |
| Cost of funding earning assets | 1.4264% | 934 |
| Net interest margin | 3.5155% | 5,088 |
| Noninterest income to average assets | 0.4770% | 4,013 |
| Noninterest expense to average assets | 2.2357% | 6,198 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9966% | 2,209 |
| Return on assets (ROA) | 0.9966% | 2,355 |
| Pretax return on assets | 1.5612% | 1,310 |
| Return on Equity (ROE) | 7.4771% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.4771% | 1,281 |
| Net charge-offs to loans | -0.1021% | 7,139 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7762% | 5,937 |
| Assets per employee ($millions) | 7.3380% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,535 |
| Loan loss allowance to noncurrent loans | 32.6193% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 2.7606% | 2,202 |
| Noncurrent loans to loans | 3.5855% | 1,783 |
| Net loans and leases to total assets | 74.2892% | 1,217 |
| Net loans and leases to deposits | 99.3076% | 490 |
| Net loans and leases to core deposits | 105.3537% | 828 |
| Total domestic deposits to total assets | 74.8072% | 6,633 |
| Equity capital to assets | 13.3213% | 1,352 |
| Core capital (leverage) ratio | 13.0311% | 1,124 |
| Tier 1 risk-based capital ratio | 21.5200% | 1,317 |
| Total risk-based capital ratio | 22.7726% | 1,284 |
| Memoranda: | ||
| Average total assets | $896,558,400 | 728 |
| Average earning assets | $846,648,800 | 693 |
| Average equity | $119,498,600 | 582 |
| Average total loans | $715,244,600 | 577 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 3,072 |
| Cost of funding earning assets | 1.4791% | 934 |
| Net interest margin | 3.5240% | 5,085 |
| Noninterest income to average assets | 0.4694% | 4,136 |
| Noninterest expense to average assets | 2.2014% | 6,274 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0254% | 2,230 |
| Return on assets (ROA) | 1.0254% | 2,397 |
| Pretax return on assets | 1.5934% | 1,406 |
| Return on Equity (ROE) | 7.6919% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.6919% | 1,630 |
| Net charge-offs to loans | 0.2748% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.1586% | 2,411 |
| Efficiency ratio | 57.8920% | 6,028 |
| Assets per employee ($millions) | 8.1594% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 6,767 |
| Loan loss allowance to noncurrent loans | 27.2483% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 2.4080% | 2,675 |
| Noncurrent loans to loans | 3.0316% | 2,283 |
| Net loans and leases to total assets | 78.5749% | 651 |
| Net loans and leases to deposits | 105.0869% | 278 |
| Net loans and leases to core deposits | 111.9011% | 612 |
| Total domestic deposits to total assets | 74.7713% | 6,666 |
| Equity capital to assets | 13.3447% | 1,444 |
| Core capital (leverage) ratio | 13.0396% | 1,218 |
| Tier 1 risk-based capital ratio | 20.7525% | 1,511 |
| Total risk-based capital ratio | 21.7978% | 1,519 |
| Memoranda: | ||
| Average total assets | $887,717,000 | 744 |
| Average earning assets | $837,695,000 | 709 |
| Average equity | $118,337,250 | 588 |
| Average total loans | $718,927,750 | 581 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 2,632 |
| Cost of funding earning assets | 1.5366% | 873 |
| Net interest margin | 3.5735% | 4,822 |
| Noninterest income to average assets | 0.4601% | 4,192 |
| Noninterest expense to average assets | 2.1754% | 6,439 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0805% | 1,933 |
| Return on assets (ROA) | 1.0805% | 2,030 |
| Pretax return on assets | 1.6525% | 1,153 |
| Return on Equity (ROE) | 8.1088% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.1088% | 1,423 |
| Net charge-offs to loans | 0.4013% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.0473% | 2,702 |
| Efficiency ratio | 56.7107% | 6,330 |
| Assets per employee ($millions) | 7.5045% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 6,753 |
| Loan loss allowance to noncurrent loans | 28.3116% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 2.5843% | 2,577 |
| Noncurrent loans to loans | 3.0284% | 2,392 |
| Net loans and leases to total assets | 81.4348% | 418 |
| Net loans and leases to deposits | 104.5780% | 301 |
| Net loans and leases to core deposits | 111.2453% | 682 |
| Total domestic deposits to total assets | 77.8699% | 6,311 |
| Equity capital to assets | 13.9898% | 1,098 |
| Core capital (leverage) ratio | 13.6651% | 948 |
| Tier 1 risk-based capital ratio | 20.7914% | 1,456 |
| Total risk-based capital ratio | 21.8670% | 1,468 |
| Memoranda: | ||
| Average total assets | $879,005,330 | 758 |
| Average earning assets | $828,430,000 | 729 |
| Average equity | $117,132,670 | 598 |
| Average total loans | $717,224,000 | 589 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 2,703 |
| Cost of funding earning assets | 1.5351% | 1,035 |
| Net interest margin | 3.5519% | 4,808 |
| Noninterest income to average assets | 0.5056% | 3,837 |
| Noninterest expense to average assets | 2.1752% | 6,474 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0274% | 2,083 |
| Return on assets (ROA) | 1.0274% | 2,130 |
| Pretax return on assets | 1.6781% | 1,020 |
| Return on Equity (ROE) | 7.8994% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.8994% | 1,774 |
| Net charge-offs to loans | 0.4042% | 2,481 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.1052% | 2,333 |
| Efficiency ratio | 56.3338% | 6,466 |
| Assets per employee ($millions) | 8.3399% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,546 |
| Loan loss allowance to noncurrent loans | 28.2205% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 2.8287% | 2,438 |
| Noncurrent loans to loans | 3.3661% | 2,224 |
| Net loans and leases to total assets | 77.9331% | 735 |
| Net loans and leases to deposits | 101.9575% | 381 |
| Net loans and leases to core deposits | 108.6753% | 803 |
| Total domestic deposits to total assets | 76.4368% | 6,610 |
| Equity capital to assets | 12.9997% | 1,384 |
| Core capital (leverage) ratio | 12.6723% | 1,254 |
| Tier 1 risk-based capital ratio | 19.3601% | 1,723 |
| Total risk-based capital ratio | 20.5062% | 1,710 |
| Memoranda: | ||
| Average total assets | $890,750,500 | 753 |
| Average earning assets | $839,558,000 | 720 |
| Average equity | $115,856,500 | 598 |
| Average total loans | $724,480,000 | 589 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4229% | 2,569 |
| Cost of funding earning assets | 1.9772% | 656 |
| Net interest margin | 3.4457% | 5,455 |
| Noninterest income to average assets | 0.4894% | 4,252 |
| Noninterest expense to average assets | 1.9824% | 7,051 |
| Loan and lease loss provision to assets | 0.4905% | 3,206 |
| Net operating income to assets | 0.8257% | 2,687 |
| Return on assets (ROA) | 0.8257% | 2,830 |
| Pretax return on assets | 1.2577% | 2,058 |
| Return on Equity (ROE) | 8.0635% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.0635% | 963 |
| Net charge-offs to loans | 0.5210% | 3,540 |
| Credit loss provision to net charge-offs | 109.1047% | 4,045 |
| Earnings coverage of net charge-offs (x) | 3.8884% | 3,143 |
| Efficiency ratio | 52.9725% | 6,896 |
| Assets per employee ($millions) | 8.3885% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 6,350 |
| Loan loss allowance to noncurrent loans | 33.3259% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 2.6984% | 2,583 |
| Noncurrent loans to loans | 3.0251% | 2,525 |
| Net loans and leases to total assets | 83.1995% | 365 |
| Net loans and leases to deposits | 109.2568% | 244 |
| Net loans and leases to core deposits | 115.7549% | 652 |
| Total domestic deposits to total assets | 76.1504% | 6,619 |
| Equity capital to assets | 13.0137% | 1,387 |
| Core capital (leverage) ratio | 12.6779% | 1,250 |
| Tier 1 risk-based capital ratio | 19.3952% | 1,620 |
| Total risk-based capital ratio | 20.6459% | 1,591 |
| Memoranda: | ||
| Average total assets | $876,980,200 | 773 |
| Average earning assets | $824,941,400 | 735 |
| Average equity | $89,799,800 | 745 |
| Average total loans | $756,786,800 | 571 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 2,741 |
| Cost of funding earning assets | 2.0471% | 645 |
| Net interest margin | 3.3825% | 5,739 |
| Noninterest income to average assets | 0.4945% | 4,231 |
| Noninterest expense to average assets | 1.9352% | 7,158 |
| Loan and lease loss provision to assets | 0.6243% | 2,434 |
| Net operating income to assets | 0.7528% | 3,205 |
| Return on assets (ROA) | 0.7528% | 3,365 |
| Pretax return on assets | 1.1167% | 2,774 |
| Return on Equity (ROE) | 7.8887% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.8887% | 1,457 |
| Net charge-offs to loans | 0.5730% | 3,030 |
| Credit loss provision to net charge-offs | 125.4434% | 3,261 |
| Earnings coverage of net charge-offs (x) | 3.4982% | 3,419 |
| Efficiency ratio | 52.4592% | 6,939 |
| Assets per employee ($millions) | 8.6669% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 6,133 |
| Loan loss allowance to noncurrent loans | 35.3525% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 2.6952% | 2,678 |
| Noncurrent loans to loans | 2.9863% | 2,674 |
| Net loans and leases to total assets | 84.9773% | 269 |
| Net loans and leases to deposits | 115.2938% | 170 |
| Net loans and leases to core deposits | 122.8007% | 530 |
| Total domestic deposits to total assets | 73.7050% | 6,958 |
| Equity capital to assets | 9.8766% | 4,322 |
| Core capital (leverage) ratio | 9.5254% | 3,868 |
| Tier 1 risk-based capital ratio | 13.9997% | 3,834 |
| Total risk-based capital ratio | 15.2507% | 3,807 |
| Memoranda: | ||
| Average total assets | $876,027,750 | 769 |
| Average earning assets | $824,021,500 | 736 |
| Average equity | $83,594,000 | 791 |
| Average total loans | $760,914,500 | 571 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4360% | 2,819 |
| Cost of funding earning assets | 2.0758% | 722 |
| Net interest margin | 3.3602% | 5,797 |
| Noninterest income to average assets | 0.5309% | 3,870 |
| Noninterest expense to average assets | 1.8937% | 7,279 |
| Loan and lease loss provision to assets | 0.7651% | 1,877 |
| Net operating income to assets | 0.7206% | 3,313 |
| Return on assets (ROA) | 0.7206% | 3,466 |
| Pretax return on assets | 1.0326% | 2,996 |
| Return on Equity (ROE) | 7.6403% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.6403% | 1,582 |
| Net charge-offs to loans | 0.6406% | 2,624 |
| Credit loss provision to net charge-offs | 136.9841% | 2,928 |
| Earnings coverage of net charge-offs (x) | 3.2186% | 3,404 |
| Efficiency ratio | 51.1161% | 7,138 |
| Assets per employee ($millions) | 8.4708% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,200 |
| Loan loss allowance to noncurrent loans | 30.6216% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 3.1864% | 2,226 |
| Noncurrent loans to loans | 3.4147% | 2,328 |
| Net loans and leases to total assets | 87.7319% | 144 |
| Net loans and leases to deposits | 119.1501% | 133 |
| Net loans and leases to core deposits | 127.0715% | 486 |
| Total domestic deposits to total assets | 73.6313% | 7,023 |
| Equity capital to assets | 9.7825% | 4,291 |
| Core capital (leverage) ratio | 9.4248% | 3,924 |
| Tier 1 risk-based capital ratio | 13.4789% | 4,082 |
| Total risk-based capital ratio | 14.7299% | 4,046 |
| Memoranda: | ||
| Average total assets | $876,251,670 | 769 |
| Average earning assets | $824,166,330 | 735 |
| Average equity | $82,640,330 | 796 |
| Average total loans | $763,955,670 | 570 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 3,019 |
| Cost of funding earning assets | 2.1046% | 803 |
| Net interest margin | 3.3001% | 5,971 |
| Noninterest income to average assets | 0.5408% | 3,719 |
| Noninterest expense to average assets | 1.9253% | 7,294 |
| Loan and lease loss provision to assets | 1.0300% | 1,205 |
| Net operating income to assets | 0.5073% | 4,357 |
| Return on assets (ROA) | 0.5073% | 4,499 |
| Pretax return on assets | 0.6891% | 4,273 |
| Return on Equity (ROE) | 5.4786% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.4786% | 2,878 |
| Net charge-offs to loans | 0.6507% | 2,198 |
| Credit loss provision to net charge-offs | 183.0782% | 1,998 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 3,031 |
| Efficiency ratio | 52.6434% | 7,088 |
| Assets per employee ($millions) | 8.9936% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 6,150 |
| Loan loss allowance to noncurrent loans | 33.6255% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 2.8265% | 2,567 |
| Noncurrent loans to loans | 3.1797% | 2,514 |
| Net loans and leases to total assets | 84.5288% | 329 |
| Net loans and leases to deposits | 114.9656% | 197 |
| Net loans and leases to core deposits | 122.7949% | 680 |
| Total domestic deposits to total assets | 73.5253% | 7,102 |
| Equity capital to assets | 9.2469% | 4,922 |
| Core capital (leverage) ratio | 8.8853% | 4,749 |
| Tier 1 risk-based capital ratio | 12.7383% | 4,527 |
| Total risk-based capital ratio | 13.9891% | 4,490 |
| Memoranda: | ||
| Average total assets | $882,364,500 | 783 |
| Average earning assets | $829,797,500 | 746 |
| Average equity | $81,699,000 | 808 |
| Average total loans | $762,915,500 | 593 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 4,063 |
| Cost of funding earning assets | 2.5085% | 1,012 |
| Net interest margin | 3.0071% | 6,626 |
| Noninterest income to average assets | 0.5275% | 4,199 |
| Noninterest expense to average assets | 1.9696% | 7,412 |
| Loan and lease loss provision to assets | 0.8947% | 2,511 |
| Net operating income to assets | 0.3048% | 4,520 |
| Return on assets (ROA) | 0.3048% | 4,597 |
| Pretax return on assets | 0.4856% | 4,223 |
| Return on Equity (ROE) | 3.3003% | 4,380 |
| Retained earnings to average equity (ytd only) | 3.3003% | 2,859 |
| Net charge-offs to loans | 0.4694% | 3,901 |
| Credit loss provision to net charge-offs | 218.6073% | 1,730 |
| Earnings coverage of net charge-offs (x) | 3.3727% | 3,372 |
| Efficiency ratio | 58.5472% | 6,688 |
| Assets per employee ($millions) | 9.0140% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 6,712 |
| Loan loss allowance to noncurrent loans | 37.6610% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 2.2034% | 3,122 |
| Noncurrent loans to loans | 2.4655% | 3,086 |
| Net loans and leases to total assets | 86.6891% | 234 |
| Net loans and leases to deposits | 118.4250% | 199 |
| Net loans and leases to core deposits | 155.7398% | 398 |
| Total domestic deposits to total assets | 73.2017% | 7,128 |
| Equity capital to assets | 9.2715% | 4,738 |
| Core capital (leverage) ratio | 8.9017% | 4,584 |
| Tier 1 risk-based capital ratio | 12.5846% | 4,458 |
| Total risk-based capital ratio | 13.7379% | 4,478 |
| Memoranda: | ||
| Average total assets | $866,691,200 | 784 |
| Average earning assets | $813,428,400 | 746 |
| Average equity | $80,052,600 | 808 |
| Average total loans | $755,716,000 | 605 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5357% | 4,239 |
| Cost of funding earning assets | 2.6165% | 992 |
| Net interest margin | 2.9192% | 6,803 |
| Noninterest income to average assets | 0.5204% | 4,315 |
| Noninterest expense to average assets | 1.9837% | 7,413 |
| Loan and lease loss provision to assets | 0.3244% | 4,389 |
| Net operating income to assets | 0.5887% | 3,640 |
| Return on assets (ROA) | 0.5887% | 3,705 |
| Pretax return on assets | 0.9516% | 3,055 |
| Return on Equity (ROE) | 6.3792% | 3,360 |
| Retained earnings to average equity (ytd only) | 6.3792% | 1,780 |
| Net charge-offs to loans | 0.2791% | 4,287 |
| Credit loss provision to net charge-offs | 133.4179% | 3,739 |
| Earnings coverage of net charge-offs (x) | 5.2479% | 2,888 |
| Efficiency ratio | 60.5856% | 6,337 |
| Assets per employee ($millions) | 9.2968% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4488% | 7,769 |
| Loan loss allowance to noncurrent loans | 29.8622% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 4,433 |
| Noncurrent loans to loans | 1.5030% | 4,409 |
| Net loans and leases to total assets | 87.8363% | 216 |
| Net loans and leases to deposits | 120.7199% | 187 |
| Net loans and leases to core deposits | 160.6987% | 370 |
| Total domestic deposits to total assets | 72.7604% | 7,109 |
| Equity capital to assets | 9.4844% | 4,768 |
| Core capital (leverage) ratio | 9.1099% | 4,476 |
| Tier 1 risk-based capital ratio | 12.8939% | 4,274 |
| Total risk-based capital ratio | 13.4567% | 4,730 |
| Memoranda: | ||
| Average total assets | $864,774,500 | 796 |
| Average earning assets | $811,484,750 | 765 |
| Average equity | $79,799,250 | 823 |
| Average total loans | $753,375,750 | 627 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5405% | 4,383 |
| Cost of funding earning assets | 2.6600% | 1,140 |
| Net interest margin | 2.8806% | 6,846 |
| Noninterest income to average assets | 0.4998% | 4,451 |
| Noninterest expense to average assets | 2.0043% | 7,457 |
| Loan and lease loss provision to assets | 0.2865% | 4,286 |
| Net operating income to assets | 0.5562% | 3,854 |
| Return on assets (ROA) | 0.5562% | 3,970 |
| Pretax return on assets | 0.9054% | 3,316 |
| Return on Equity (ROE) | 6.0836% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.0836% | 1,977 |
| Net charge-offs to loans | 0.2058% | 4,233 |
| Credit loss provision to net charge-offs | 160.4922% | 2,862 |
| Earnings coverage of net charge-offs (x) | 6.6762% | 2,570 |
| Efficiency ratio | 62.4340% | 6,178 |
| Assets per employee ($millions) | 9.5797% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4484% | 7,843 |
| Loan loss allowance to noncurrent loans | 43.8706% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 5,143 |
| Noncurrent loans to loans | 1.0220% | 5,171 |
| Net loans and leases to total assets | 83.8384% | 659 |
| Net loans and leases to deposits | 125.1262% | 162 |
| Net loans and leases to core deposits | 163.9801% | 388 |
| Total domestic deposits to total assets | 67.0030% | 7,681 |
| Equity capital to assets | 9.0127% | 5,297 |
| Core capital (leverage) ratio | 8.6454% | 5,186 |
| Tier 1 risk-based capital ratio | 12.7600% | 4,313 |
| Total risk-based capital ratio | 13.3195% | 4,774 |
| Memoranda: | ||
| Average total assets | $864,830,670 | 814 |
| Average earning assets | $809,562,000 | 788 |
| Average equity | $79,064,670 | 839 |
| Average total loans | $750,213,670 | 647 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 4,270 |
| Cost of funding earning assets | 2.7572% | 1,091 |
| Net interest margin | 2.8563% | 6,863 |
| Noninterest income to average assets | 0.4785% | 4,519 |
| Noninterest expense to average assets | 1.9347% | 7,481 |
| Loan and lease loss provision to assets | 0.3099% | 3,482 |
| Net operating income to assets | 0.5546% | 4,203 |
| Return on assets (ROA) | 0.5546% | 4,386 |
| Pretax return on assets | 0.9134% | 3,668 |
| Return on Equity (ROE) | 6.0217% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.0217% | 2,615 |
| Net charge-offs to loans | 0.2133% | 3,359 |
| Credit loss provision to net charge-offs | 165.0000% | 2,589 |
| Earnings coverage of net charge-offs (x) | 6.5125% | 2,490 |
| Efficiency ratio | 60.9814% | 6,255 |
| Assets per employee ($millions) | 9.4222% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4179% | 7,924 |
| Loan loss allowance to noncurrent loans | 63.5394% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 5,524 |
| Noncurrent loans to loans | 0.6577% | 5,761 |
| Net loans and leases to total assets | 85.8267% | 475 |
| Net loans and leases to deposits | 128.6238% | 154 |
| Net loans and leases to core deposits | 167.3517% | 391 |
| Total domestic deposits to total assets | 66.7269% | 7,686 |
| Equity capital to assets | 9.0368% | 5,315 |
| Core capital (leverage) ratio | 8.6500% | 5,259 |
| Tier 1 risk-based capital ratio | 12.6811% | 4,408 |
| Total risk-based capital ratio | 13.2114% | 4,896 |
| Memoranda: | ||
| Average total assets | $851,790,000 | 826 |
| Average earning assets | $799,064,500 | 798 |
| Average equity | $78,449,500 | 839 |
| Average total loans | $750,175,500 | 657 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7156% | 6,726 |
| Cost of funding earning assets | 3.1794% | 1,255 |
| Net interest margin | 2.5361% | 7,714 |
| Noninterest income to average assets | 0.5575% | 4,181 |
| Noninterest expense to average assets | 1.8376% | 7,706 |
| Loan and lease loss provision to assets | 0.2337% | 4,561 |
| Net operating income to assets | 0.5670% | 4,454 |
| Return on assets (ROA) | 0.5670% | 4,312 |
| Pretax return on assets | 0.8797% | 3,803 |
| Return on Equity (ROE) | 6.3445% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.3445% | 1,381 |
| Net charge-offs to loans | 0.2316% | 3,924 |
| Credit loss provision to net charge-offs | 113.9115% | 4,740 |
| Earnings coverage of net charge-offs (x) | 5.4267% | 3,650 |
| Efficiency ratio | 61.9142% | 5,967 |
| Assets per employee ($millions) | 8.8958% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3887% | 7,996 |
| Loan loss allowance to noncurrent loans | 67.6477% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 5,415 |
| Noncurrent loans to loans | 0.5745% | 5,647 |
| Net loans and leases to total assets | 89.7155% | 217 |
| Net loans and leases to deposits | 138.2115% | 117 |
| Net loans and leases to core deposits | 172.0090% | 370 |
| Total domestic deposits to total assets | 64.9118% | 7,732 |
| Equity capital to assets | 9.3934% | 4,828 |
| Core capital (leverage) ratio | 8.9833% | 4,768 |
| Tier 1 risk-based capital ratio | 12.7375% | 4,265 |
| Total risk-based capital ratio | 13.2361% | 4,722 |
| Memoranda: | ||
| Average total assets | $837,343,400 | 806 |
| Average earning assets | $790,262,600 | 778 |
| Average equity | $74,836,200 | 888 |
| Average total loans | $741,744,400 | 648 |