Home > Southbridge Savings Bank > Performance and Condition Ratios
Southbridge Savings Bank, Performance and Condition Ratios
| 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 | 3.7757% | 3,845 |
| Cost of funding earning assets | 0.7491% | 655 |
| Net interest margin | 3.0266% | 4,836 |
| Noninterest income to average assets | 0.8234% | 1,476 |
| Noninterest expense to average assets | 3.3921% | 1,215 |
| Loan and lease loss provision to assets | 0.2464% | 617 |
| Net operating income to assets | -0.0080% | 5,607 |
| Return on assets (ROA) | -0.0080% | 5,614 |
| Pretax return on assets | -0.0536% | 5,622 |
| Return on Equity (ROE) | -0.0985% | 5,616 |
| Retained earnings to average equity (ytd only) | -0.0985% | 4,931 |
| Net charge-offs to loans | 0.0192% | 2,408 |
| Credit loss provision to net charge-offs | 1,478.2609% | 233 |
| Earnings coverage of net charge-offs (x) | 11.5652% | 1,883 |
| Efficiency ratio | 91.7509% | 466 |
| Assets per employee ($millions) | 5.0783% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1336% | 5,791 |
| Loan loss allowance to noncurrent loans | 16.7185% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 2,517 |
| Noncurrent loans to loans | 0.7991% | 2,459 |
| Net loans and leases to total assets | 86.3100% | 200 |
| Net loans and leases to deposits | 113.6448% | 151 |
| Net loans and leases to core deposits | 123.2276% | 382 |
| Total domestic deposits to total assets | 75.9472% | 5,235 |
| Equity capital to assets | 8.1275% | 5,460 |
| Core capital (leverage) ratio | 8.0854% | 5,514 |
| Tier 1 risk-based capital ratio | 11.2522% | 5,168 |
| Total risk-based capital ratio | 11.4170% | 5,612 |
| Memoranda: | ||
| Average total assets | $551,871,500 | 1,298 |
| Average earning assets | $503,536,500 | 1,308 |
| Average equity | $44,649,000 | 1,695 |
| Average total loans | $480,079,000 | 1,063 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 3,457 |
| Cost of funding earning assets | 0.7766% | 558 |
| Net interest margin | 3.1528% | 4,581 |
| Noninterest income to average assets | 0.9985% | 1,153 |
| Noninterest expense to average assets | 3.3020% | 1,573 |
| Loan and lease loss provision to assets | 0.1444% | 1,731 |
| Net operating income to assets | 0.3054% | 5,208 |
| Return on assets (ROA) | 0.3217% | 5,238 |
| Pretax return on assets | 0.4486% | 5,122 |
| Return on Equity (ROE) | 4.0295% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.0295% | 3,047 |
| Net charge-offs to loans | 0.0622% | 2,819 |
| Credit loss provision to net charge-offs | 270.4225% | 1,066 |
| Earnings coverage of net charge-offs (x) | 10.6831% | 2,618 |
| Efficiency ratio | 84.1142% | 1,000 |
| Assets per employee ($millions) | 4.9111% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0685% | 5,852 |
| Loan loss allowance to noncurrent loans | 8.8955% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 2,533 |
| Noncurrent loans to loans | 0.7700% | 2,603 |
| Net loans and leases to total assets | 87.5107% | 150 |
| Net loans and leases to deposits | 113.4152% | 168 |
| Net loans and leases to core deposits | 123.1324% | 402 |
| Total domestic deposits to total assets | 77.1596% | 5,100 |
| Equity capital to assets | 8.0526% | 5,537 |
| Core capital (leverage) ratio | 8.0548% | 5,592 |
| Tier 1 risk-based capital ratio | 11.1886% | 5,230 |
| Total risk-based capital ratio | 11.2733% | 5,686 |
| Memoranda: | ||
| Average total assets | $531,893,200 | 1,299 |
| Average earning assets | $484,833,400 | 1,306 |
| Average equity | $42,462,000 | 1,741 |
| Average total loans | $456,733,800 | 1,073 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 3,444 |
| Cost of funding earning assets | 0.8090% | 484 |
| Net interest margin | 3.1361% | 4,681 |
| Noninterest income to average assets | 0.9903% | 1,164 |
| Noninterest expense to average assets | 3.2690% | 1,633 |
| Loan and lease loss provision to assets | 0.1138% | 2,033 |
| Net operating income to assets | 0.3401% | 5,185 |
| Return on assets (ROA) | 0.3622% | 5,221 |
| Pretax return on assets | 0.4949% | 5,136 |
| Return on Equity (ROE) | 4.5474% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.5474% | 3,104 |
| Net charge-offs to loans | 0.0593% | 2,502 |
| Credit loss provision to net charge-offs | 224.3781% | 1,315 |
| Earnings coverage of net charge-offs (x) | 11.4081% | 2,485 |
| Efficiency ratio | 84.9669% | 904 |
| Assets per employee ($millions) | 4.9439% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0198% | 5,926 |
| Loan loss allowance to noncurrent loans | 1.7600% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0408% | 1,977 |
| Noncurrent loans to loans | 1.1257% | 2,000 |
| Net loans and leases to total assets | 86.2978% | 235 |
| Net loans and leases to deposits | 114.1141% | 182 |
| Net loans and leases to core deposits | 122.8246% | 434 |
| Total domestic deposits to total assets | 75.6241% | 5,273 |
| Equity capital to assets | 8.0754% | 5,715 |
| Core capital (leverage) ratio | 8.1255% | 5,628 |
| Tier 1 risk-based capital ratio | 11.1308% | 5,298 |
| Total risk-based capital ratio | 11.1550% | 5,785 |
| Memoranda: | ||
| Average total assets | $528,584,000 | 1,311 |
| Average earning assets | $481,557,250 | 1,321 |
| Average equity | $42,103,250 | 1,765 |
| Average total loans | $451,573,750 | 1,079 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,187 |
| Cost of funding earning assets | 0.7920% | 514 |
| Net interest margin | 3.2233% | 4,475 |
| Noninterest income to average assets | 0.9715% | 1,197 |
| Noninterest expense to average assets | 3.3154% | 1,561 |
| Loan and lease loss provision to assets | 0.0890% | 2,362 |
| Net operating income to assets | 0.3620% | 5,149 |
| Return on assets (ROA) | 0.3950% | 5,130 |
| Pretax return on assets | 0.5486% | 5,028 |
| Return on Equity (ROE) | 4.9833% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.9833% | 2,753 |
| Net charge-offs to loans | 0.0278% | 2,927 |
| Credit loss provision to net charge-offs | 375.8065% | 807 |
| Earnings coverage of net charge-offs (x) | 24.9839% | 1,521 |
| Efficiency ratio | 84.8538% | 978 |
| Assets per employee ($millions) | 4.9804% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0031% | 6,006 |
| Loan loss allowance to noncurrent loans | 0.2489% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 1,917 |
| Noncurrent loans to loans | 1.2551% | 1,827 |
| Net loans and leases to total assets | 84.0955% | 415 |
| Net loans and leases to deposits | 111.0222% | 229 |
| Net loans and leases to core deposits | 119.5852% | 527 |
| Total domestic deposits to total assets | 75.7465% | 5,314 |
| Equity capital to assets | 8.2118% | 5,730 |
| Core capital (leverage) ratio | 8.3305% | 5,509 |
| Tier 1 risk-based capital ratio | 11.6637% | 5,050 |
| Total risk-based capital ratio | 11.6674% | 5,628 |
| Memoranda: | ||
| Average total assets | $523,504,000 | 1,325 |
| Average earning assets | $476,783,330 | 1,337 |
| Average equity | $41,499,000 | 1,786 |
| Average total loans | $445,631,330 | 1,094 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,064 |
| Cost of funding earning assets | 0.7763% | 560 |
| Net interest margin | 3.2646% | 4,345 |
| Noninterest income to average assets | 0.9429% | 1,201 |
| Noninterest expense to average assets | 3.3624% | 1,461 |
| Loan and lease loss provision to assets | 0.0740% | 2,481 |
| Net operating income to assets | 0.3496% | 5,148 |
| Return on assets (ROA) | 0.4071% | 5,051 |
| Pretax return on assets | 0.5705% | 4,899 |
| Return on Equity (ROE) | 5.2319% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.2319% | 2,797 |
| Net charge-offs to loans | 0.0279% | 2,381 |
| Credit loss provision to net charge-offs | 309.6774% | 832 |
| Earnings coverage of net charge-offs (x) | 23.5806% | 1,360 |
| Efficiency ratio | 85.6441% | 1,008 |
| Assets per employee ($millions) | 4.9186% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 5,264 |
| Loan loss allowance to noncurrent loans | 58.7457% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.2989% | 1,654 |
| Noncurrent loans to loans | 1.4258% | 1,671 |
| Net loans and leases to total assets | 84.9168% | 300 |
| Net loans and leases to deposits | 113.3075% | 161 |
| Net loans and leases to core deposits | 121.6338% | 426 |
| Total domestic deposits to total assets | 74.9437% | 5,526 |
| Equity capital to assets | 7.7244% | 5,904 |
| Core capital (leverage) ratio | 7.9821% | 5,779 |
| Tier 1 risk-based capital ratio | 10.8375% | 5,585 |
| Total risk-based capital ratio | 11.8403% | 5,618 |
| Memoranda: | ||
| Average total assets | $518,803,500 | 1,336 |
| Average earning assets | $474,050,000 | 1,340 |
| Average equity | $40,368,000 | 1,831 |
| Average total loans | $444,365,500 | 1,095 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,509 |
| Cost of funding earning assets | 0.7448% | 657 |
| Net interest margin | 3.4706% | 3,635 |
| Noninterest income to average assets | 0.9796% | 1,232 |
| Noninterest expense to average assets | 3.4734% | 1,347 |
| Loan and lease loss provision to assets | 0.1605% | 1,441 |
| Net operating income to assets | 0.3719% | 5,134 |
| Return on assets (ROA) | 0.3722% | 5,220 |
| Pretax return on assets | 0.4946% | 5,125 |
| Return on Equity (ROE) | 4.5853% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.5853% | 2,717 |
| Net charge-offs to loans | 0.1032% | 2,379 |
| Credit loss provision to net charge-offs | 181.8396% | 1,498 |
| Earnings coverage of net charge-offs (x) | 7.4175% | 3,082 |
| Efficiency ratio | 84.1418% | 1,167 |
| Assets per employee ($millions) | 4.8237% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 5,274 |
| Loan loss allowance to noncurrent loans | 64.5616% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2288% | 1,754 |
| Noncurrent loans to loans | 1.3122% | 1,796 |
| Net loans and leases to total assets | 84.9446% | 315 |
| Net loans and leases to deposits | 114.3725% | 163 |
| Net loans and leases to core deposits | 120.9475% | 456 |
| Total domestic deposits to total assets | 74.2701% | 5,618 |
| Equity capital to assets | 7.8392% | 5,906 |
| Core capital (leverage) ratio | 8.0371% | 5,818 |
| Tier 1 risk-based capital ratio | 11.0409% | 5,501 |
| Total risk-based capital ratio | 12.0589% | 5,529 |
| Memoranda: | ||
| Average total assets | $480,417,400 | 1,404 |
| Average earning assets | $435,838,400 | 1,432 |
| Average equity | $38,994,200 | 1,847 |
| Average total loans | $410,879,400 | 1,121 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 2,498 |
| Cost of funding earning assets | 0.7375% | 693 |
| Net interest margin | 3.4901% | 3,577 |
| Noninterest income to average assets | 1.0214% | 1,136 |
| Noninterest expense to average assets | 3.5131% | 1,261 |
| Loan and lease loss provision to assets | 0.2068% | 959 |
| Net operating income to assets | 0.3552% | 5,301 |
| Return on assets (ROA) | 0.3557% | 5,388 |
| Pretax return on assets | 0.4631% | 5,313 |
| Return on Equity (ROE) | 4.3420% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.3420% | 3,382 |
| Net charge-offs to loans | 0.1211% | 1,913 |
| Credit loss provision to net charge-offs | 199.7275% | 1,342 |
| Earnings coverage of net charge-offs (x) | 6.4660% | 3,047 |
| Efficiency ratio | 83.9965% | 1,171 |
| Assets per employee ($millions) | 4.5954% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 5,291 |
| Loan loss allowance to noncurrent loans | 59.4422% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 1,741 |
| Noncurrent loans to loans | 1.4705% | 1,700 |
| Net loans and leases to total assets | 85.2287% | 278 |
| Net loans and leases to deposits | 114.7830% | 163 |
| Net loans and leases to core deposits | 121.0633% | 443 |
| Total domestic deposits to total assets | 74.2520% | 5,691 |
| Equity capital to assets | 7.9835% | 5,961 |
| Core capital (leverage) ratio | 8.1774% | 5,792 |
| Tier 1 risk-based capital ratio | 11.1980% | 5,551 |
| Total risk-based capital ratio | 12.2488% | 5,560 |
| Memoranda: | ||
| Average total assets | $472,693,750 | 1,432 |
| Average earning assets | $428,129,250 | 1,459 |
| Average equity | $38,722,000 | 1,875 |
| Average total loans | $404,088,500 | 1,140 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,399 |
| Cost of funding earning assets | 0.7310% | 714 |
| Net interest margin | 3.5071% | 3,467 |
| Noninterest income to average assets | 1.0008% | 1,180 |
| Noninterest expense to average assets | 3.6650% | 1,032 |
| Loan and lease loss provision to assets | 0.2633% | 638 |
| Net operating income to assets | 0.2161% | 5,655 |
| Return on assets (ROA) | 0.2169% | 5,724 |
| Pretax return on assets | 0.2440% | 5,749 |
| Return on Equity (ROE) | 2.6235% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.6235% | 4,390 |
| Net charge-offs to loans | 0.1669% | 1,466 |
| Credit loss provision to net charge-offs | 184.8943% | 1,318 |
| Earnings coverage of net charge-offs (x) | 3.5559% | 3,175 |
| Efficiency ratio | 87.8597% | 916 |
| Assets per employee ($millions) | 4.3917% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 5,357 |
| Loan loss allowance to noncurrent loans | 56.6874% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4456% | 1,723 |
| Noncurrent loans to loans | 1.5597% | 1,692 |
| Net loans and leases to total assets | 85.3594% | 273 |
| Net loans and leases to deposits | 111.4433% | 230 |
| Net loans and leases to core deposits | 117.0777% | 556 |
| Total domestic deposits to total assets | 76.5945% | 5,522 |
| Equity capital to assets | 8.1017% | 5,932 |
| Core capital (leverage) ratio | 8.3412% | 5,681 |
| Tier 1 risk-based capital ratio | 11.8186% | 5,268 |
| Total risk-based capital ratio | 12.9269% | 5,265 |
| Memoranda: | ||
| Average total assets | $464,825,330 | 1,465 |
| Average earning assets | $420,232,670 | 1,493 |
| Average equity | $38,422,000 | 1,896 |
| Average total loans | $396,545,000 | 1,164 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 2,332 |
| Cost of funding earning assets | 0.7304% | 730 |
| Net interest margin | 3.5041% | 3,426 |
| Noninterest income to average assets | 0.9103% | 1,357 |
| Noninterest expense to average assets | 3.7694% | 909 |
| Loan and lease loss provision to assets | 0.2918% | 509 |
| Net operating income to assets | 0.0515% | 5,952 |
| Return on assets (ROA) | 0.0515% | 5,998 |
| Pretax return on assets | 0.0131% | 6,037 |
| Return on Equity (ROE) | 0.6171% | 5,973 |
| Retained earnings to average equity (ytd only) | 0.6171% | 5,191 |
| Net charge-offs to loans | 0.2213% | 1,056 |
| Credit loss provision to net charge-offs | 155.3488% | 1,225 |
| Earnings coverage of net charge-offs (x) | 1.6233% | 2,891 |
| Efficiency ratio | 92.5172% | 679 |
| Assets per employee ($millions) | 4.3392% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 5,476 |
| Loan loss allowance to noncurrent loans | 53.6755% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 1,696 |
| Noncurrent loans to loans | 1.6528% | 1,683 |
| Net loans and leases to total assets | 83.8111% | 322 |
| Net loans and leases to deposits | 106.5056% | 295 |
| Net loans and leases to core deposits | 112.2742% | 639 |
| Total domestic deposits to total assets | 78.6917% | 5,320 |
| Equity capital to assets | 8.2478% | 5,908 |
| Core capital (leverage) ratio | 8.4649% | 5,558 |
| Tier 1 risk-based capital ratio | 12.0761% | 5,190 |
| Total risk-based capital ratio | 13.1710% | 5,184 |
| Memoranda: | ||
| Average total assets | $457,893,000 | 1,484 |
| Average earning assets | $413,456,000 | 1,515 |
| Average equity | $38,242,000 | 1,915 |
| Average total loans | $388,691,500 | 1,184 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 2,295 |
| Cost of funding earning assets | 0.7382% | 907 |
| Net interest margin | 3.6388% | 3,261 |
| Noninterest income to average assets | 1.0067% | 1,199 |
| Noninterest expense to average assets | 3.6493% | 1,220 |
| Loan and lease loss provision to assets | 0.2695% | 810 |
| Net operating income to assets | 0.3023% | 5,508 |
| Return on assets (ROA) | 0.2982% | 5,592 |
| Pretax return on assets | 0.3440% | 5,618 |
| Return on Equity (ROE) | 3.3381% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.3381% | 3,845 |
| Net charge-offs to loans | 0.3045% | 1,452 |
| Credit loss provision to net charge-offs | 106.0391% | 2,259 |
| Earnings coverage of net charge-offs (x) | 2.4325% | 4,153 |
| Efficiency ratio | 85.5133% | 1,230 |
| Assets per employee ($millions) | 4.0675% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 5,548 |
| Loan loss allowance to noncurrent loans | 47.9817% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.8270% | 1,422 |
| Noncurrent loans to loans | 1.8221% | 1,571 |
| Net loans and leases to total assets | 84.4768% | 308 |
| Net loans and leases to deposits | 109.1415% | 261 |
| Net loans and leases to core deposits | 115.0809% | 552 |
| Total domestic deposits to total assets | 77.4012% | 5,538 |
| Equity capital to assets | 8.4586% | 5,786 |
| Core capital (leverage) ratio | 8.6277% | 5,410 |
| Tier 1 risk-based capital ratio | 12.2719% | 5,178 |
| Total risk-based capital ratio | 13.3432% | 5,208 |
| Memoranda: | ||
| Average total assets | $443,041,200 | 1,499 |
| Average earning assets | $397,028,400 | 1,538 |
| Average equity | $39,574,000 | 1,792 |
| Average total loans | $369,778,400 | 1,193 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 2,294 |
| Cost of funding earning assets | 0.7399% | 942 |
| Net interest margin | 3.6396% | 3,271 |
| Noninterest income to average assets | 0.9764% | 1,292 |
| Noninterest expense to average assets | 3.6670% | 1,177 |
| Loan and lease loss provision to assets | 0.2773% | 743 |
| Net operating income to assets | 0.2548% | 5,727 |
| Return on assets (ROA) | 0.2492% | 5,798 |
| Pretax return on assets | 0.2833% | 5,799 |
| Return on Equity (ROE) | 2.7521% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.7521% | 4,635 |
| Net charge-offs to loans | 0.3675% | 1,089 |
| Credit loss provision to net charge-offs | 90.8821% | 2,411 |
| Earnings coverage of net charge-offs (x) | 1.8583% | 4,062 |
| Efficiency ratio | 86.6091% | 1,127 |
| Assets per employee ($millions) | 4.0160% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 5,735 |
| Loan loss allowance to noncurrent loans | 49.5898% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.8789% | 1,563 |
| Noncurrent loans to loans | 1.7221% | 1,886 |
| Net loans and leases to total assets | 84.2021% | 326 |
| Net loans and leases to deposits | 106.8837% | 296 |
| Net loans and leases to core deposits | 113.1338% | 614 |
| Total domestic deposits to total assets | 78.7792% | 5,377 |
| Equity capital to assets | 8.5165% | 5,788 |
| Core capital (leverage) ratio | 8.7215% | 5,411 |
| Tier 1 risk-based capital ratio | 12.2790% | 5,315 |
| Total risk-based capital ratio | 13.3133% | 5,360 |
| Memoranda: | ||
| Average total assets | $440,928,250 | 1,520 |
| Average earning assets | $394,650,500 | 1,556 |
| Average equity | $39,920,000 | 1,792 |
| Average total loans | $366,030,250 | 1,208 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 2,154 |
| Cost of funding earning assets | 0.7394% | 968 |
| Net interest margin | 3.6679% | 3,077 |
| Noninterest income to average assets | 0.9277% | 1,402 |
| Noninterest expense to average assets | 3.6945% | 1,149 |
| Loan and lease loss provision to assets | 0.2682% | 778 |
| Net operating income to assets | 0.2394% | 5,737 |
| Return on assets (ROA) | 0.2301% | 5,822 |
| Pretax return on assets | 0.2360% | 5,900 |
| Return on Equity (ROE) | 2.4923% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.4923% | 4,617 |
| Net charge-offs to loans | 0.3515% | 1,168 |
| Credit loss provision to net charge-offs | 92.6332% | 2,133 |
| Earnings coverage of net charge-offs (x) | 1.7743% | 3,715 |
| Efficiency ratio | 87.7912% | 1,106 |
| Assets per employee ($millions) | 3.8404% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 5,763 |
| Loan loss allowance to noncurrent loans | 61.0026% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.5725% | 2,074 |
| Noncurrent loans to loans | 1.4509% | 2,381 |
| Net loans and leases to total assets | 82.3800% | 435 |
| Net loans and leases to deposits | 103.2285% | 389 |
| Net loans and leases to core deposits | 109.2937% | 720 |
| Total domestic deposits to total assets | 79.8036% | 5,285 |
| Equity capital to assets | 8.4486% | 5,843 |
| Core capital (leverage) ratio | 8.7092% | 5,385 |
| Tier 1 risk-based capital ratio | 12.2945% | 5,365 |
| Total risk-based capital ratio | 13.3534% | 5,406 |
| Memoranda: | ||
| Average total assets | $440,652,670 | 1,522 |
| Average earning assets | $394,117,670 | 1,557 |
| Average equity | $40,686,000 | 1,755 |
| Average total loans | $362,983,330 | 1,216 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 2,066 |
| Cost of funding earning assets | 0.7341% | 1,052 |
| Net interest margin | 3.6847% | 2,933 |
| Noninterest income to average assets | 0.8442% | 1,589 |
| Noninterest expense to average assets | 3.5251% | 1,442 |
| Loan and lease loss provision to assets | 0.2754% | 749 |
| Net operating income to assets | 0.2844% | 5,553 |
| Return on assets (ROA) | 0.2844% | 5,595 |
| Pretax return on assets | 0.3372% | 5,628 |
| Return on Equity (ROE) | 2.9547% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.9547% | 4,332 |
| Net charge-offs to loans | -0.0055% | 4,847 |
| Credit loss provision to net charge-offs | -6,060.0000% | 5,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1966% | 1,519 |
| Assets per employee ($millions) | 3.9688% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 5,542 |
| Loan loss allowance to noncurrent loans | 55.0550% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 1.7233% | 2,044 |
| Noncurrent loans to loans | 1.8074% | 2,126 |
| Net loans and leases to total assets | 81.4210% | 405 |
| Net loans and leases to deposits | 102.3846% | 354 |
| Net loans and leases to core deposits | 108.4504% | 654 |
| Total domestic deposits to total assets | 79.5247% | 5,593 |
| Equity capital to assets | 8.3500% | 5,783 |
| Core capital (leverage) ratio | 8.6084% | 5,516 |
| Tier 1 risk-based capital ratio | 12.1997% | 5,507 |
| Total risk-based capital ratio | 13.3880% | 5,474 |
| Memoranda: | ||
| Average total assets | $440,155,500 | 1,526 |
| Average earning assets | $393,409,000 | 1,568 |
| Average equity | $42,372,500 | 1,688 |
| Average total loans | $360,936,000 | 1,228 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 2,035 |
| Cost of funding earning assets | 0.8187% | 1,098 |
| Net interest margin | 3.7303% | 2,939 |
| Noninterest income to average assets | 1.0257% | 1,331 |
| Noninterest expense to average assets | 3.6076% | 1,433 |
| Loan and lease loss provision to assets | 0.1780% | 2,078 |
| Net operating income to assets | 0.4780% | 4,825 |
| Return on assets (ROA) | 0.5409% | 4,677 |
| Pretax return on assets | 0.6520% | 4,695 |
| Return on Equity (ROE) | 5.0797% | 4,585 |
| Retained earnings to average equity (ytd only) | 5.0797% | 2,538 |
| Net charge-offs to loans | 0.3737% | 1,806 |
| Credit loss provision to net charge-offs | 59.2421% | 3,587 |
| Earnings coverage of net charge-offs (x) | 2.5097% | 4,176 |
| Efficiency ratio | 82.7081% | 1,786 |
| Assets per employee ($millions) | 3.7911% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 5,873 |
| Loan loss allowance to noncurrent loans | 64.9586% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 2,592 |
| Noncurrent loans to loans | 1.4111% | 2,781 |
| Net loans and leases to total assets | 81.0147% | 495 |
| Net loans and leases to deposits | 105.2411% | 287 |
| Net loans and leases to core deposits | 111.6029% | 553 |
| Total domestic deposits to total assets | 76.9801% | 5,970 |
| Equity capital to assets | 10.9057% | 2,699 |
| Core capital (leverage) ratio | 10.8149% | 2,561 |
| Tier 1 risk-based capital ratio | 15.1680% | 3,563 |
| Total risk-based capital ratio | 16.5896% | 3,409 |
| Memoranda: | ||
| Average total assets | $430,229,800 | 1,537 |
| Average earning assets | $384,767,400 | 1,571 |
| Average equity | $45,809,600 | 1,529 |
| Average total loans | $345,986,400 | 1,237 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 2,103 |
| Cost of funding earning assets | 0.8245% | 1,191 |
| Net interest margin | 3.7097% | 2,997 |
| Noninterest income to average assets | 1.0231% | 1,391 |
| Noninterest expense to average assets | 3.6327% | 1,344 |
| Loan and lease loss provision to assets | 0.1801% | 2,021 |
| Net operating income to assets | 0.4509% | 5,023 |
| Return on assets (ROA) | 0.5217% | 4,859 |
| Pretax return on assets | 0.6058% | 4,991 |
| Return on Equity (ROE) | 4.9301% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.9301% | 3,133 |
| Net charge-offs to loans | 0.3604% | 1,758 |
| Credit loss provision to net charge-offs | 62.4190% | 3,244 |
| Earnings coverage of net charge-offs (x) | 2.4384% | 4,016 |
| Efficiency ratio | 83.7729% | 1,632 |
| Assets per employee ($millions) | 3.7644% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 5,824 |
| Loan loss allowance to noncurrent loans | 69.6951% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.4386% | 2,798 |
| Noncurrent loans to loans | 1.3978% | 3,074 |
| Net loans and leases to total assets | 80.8944% | 463 |
| Net loans and leases to deposits | 104.9295% | 266 |
| Net loans and leases to core deposits | 110.9443% | 543 |
| Total domestic deposits to total assets | 77.0940% | 6,034 |
| Equity capital to assets | 10.7386% | 3,023 |
| Core capital (leverage) ratio | 10.9535% | 2,525 |
| Tier 1 risk-based capital ratio | 14.9543% | 3,780 |
| Total risk-based capital ratio | 16.3122% | 3,664 |
| Memoranda: | ||
| Average total assets | $427,844,500 | 1,554 |
| Average earning assets | $382,129,000 | 1,589 |
| Average equity | $45,272,000 | 1,559 |
| Average total loans | $342,589,250 | 1,248 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 1,903 |
| Cost of funding earning assets | 0.8384% | 1,212 |
| Net interest margin | 3.7429% | 2,794 |
| Noninterest income to average assets | 0.9894% | 1,559 |
| Noninterest expense to average assets | 3.7025% | 1,243 |
| Loan and lease loss provision to assets | 0.1845% | 2,051 |
| Net operating income to assets | 0.4065% | 5,192 |
| Return on assets (ROA) | 0.5046% | 4,945 |
| Pretax return on assets | 0.5427% | 5,228 |
| Return on Equity (ROE) | 4.7930% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.7930% | 3,190 |
| Net charge-offs to loans | 0.3930% | 1,645 |
| Credit loss provision to net charge-offs | 59.0361% | 3,040 |
| Earnings coverage of net charge-offs (x) | 1.9895% | 3,856 |
| Efficiency ratio | 85.6210% | 1,450 |
| Assets per employee ($millions) | 3.6716% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 5,634 |
| Loan loss allowance to noncurrent loans | 47.9153% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 2.1395% | 2,015 |
| Noncurrent loans to loans | 2.1884% | 2,188 |
| Net loans and leases to total assets | 78.6811% | 676 |
| Net loans and leases to deposits | 99.7235% | 444 |
| Net loans and leases to core deposits | 105.0457% | 792 |
| Total domestic deposits to total assets | 78.8993% | 5,817 |
| Equity capital to assets | 10.7915% | 2,950 |
| Core capital (leverage) ratio | 10.9305% | 2,425 |
| Tier 1 risk-based capital ratio | 15.1357% | 3,689 |
| Total risk-based capital ratio | 16.4771% | 3,597 |
| Memoranda: | ||
| Average total assets | $424,903,330 | 1,568 |
| Average earning assets | $378,581,000 | 1,604 |
| Average equity | $44,732,000 | 1,589 |
| Average total loans | $337,880,670 | 1,255 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,815 |
| Cost of funding earning assets | 0.8421% | 1,293 |
| Net interest margin | 3.7607% | 2,609 |
| Noninterest income to average assets | 0.9189% | 1,694 |
| Noninterest expense to average assets | 3.8181% | 1,085 |
| Loan and lease loss provision to assets | 0.1866% | 1,974 |
| Net operating income to assets | 0.3450% | 5,379 |
| Return on assets (ROA) | 0.5080% | 4,761 |
| Pretax return on assets | 0.4279% | 5,477 |
| Return on Equity (ROE) | 4.8869% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.8869% | 3,304 |
| Net charge-offs to loans | 0.3591% | 1,561 |
| Credit loss provision to net charge-offs | 65.3465% | 2,354 |
| Earnings coverage of net charge-offs (x) | 1.5809% | 3,307 |
| Efficiency ratio | 89.4260% | 1,194 |
| Assets per employee ($millions) | 3.6560% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,566 |
| Loan loss allowance to noncurrent loans | 43.7618% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.4837% | 1,860 |
| Noncurrent loans to loans | 2.5350% | 2,037 |
| Net loans and leases to total assets | 77.4817% | 668 |
| Net loans and leases to deposits | 99.8022% | 361 |
| Net loans and leases to core deposits | 105.1504% | 673 |
| Total domestic deposits to total assets | 77.6353% | 6,168 |
| Equity capital to assets | 10.4392% | 3,616 |
| Core capital (leverage) ratio | 10.7460% | 2,498 |
| Tier 1 risk-based capital ratio | 14.8439% | 3,941 |
| Total risk-based capital ratio | 16.2482% | 3,799 |
| Memoranda: | ||
| Average total assets | $424,405,000 | 1,584 |
| Average earning assets | $378,119,000 | 1,618 |
| Average equity | $44,117,500 | 1,618 |
| Average total loans | $337,494,000 | 1,257 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 1,873 |
| Cost of funding earning assets | 0.9467% | 1,661 |
| Net interest margin | 3.9433% | 2,632 |
| Noninterest income to average assets | 1.1426% | 1,195 |
| Noninterest expense to average assets | 3.6261% | 1,549 |
| Loan and lease loss provision to assets | 0.2636% | 2,536 |
| Net operating income to assets | 0.5326% | 4,553 |
| Return on assets (ROA) | 0.5553% | 4,705 |
| Pretax return on assets | 0.8064% | 4,268 |
| Return on Equity (ROE) | 5.5385% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.5385% | 2,355 |
| Net charge-offs to loans | 0.1906% | 3,849 |
| Credit loss provision to net charge-offs | 171.3846% | 1,538 |
| Earnings coverage of net charge-offs (x) | 6.7431% | 2,753 |
| Efficiency ratio | 77.7603% | 2,486 |
| Assets per employee ($millions) | 3.6614% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,455 |
| Loan loss allowance to noncurrent loans | 44.2579% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.3455% | 2,094 |
| Noncurrent loans to loans | 2.5418% | 2,082 |
| Net loans and leases to total assets | 79.8032% | 493 |
| Net loans and leases to deposits | 102.9350% | 299 |
| Net loans and leases to core deposits | 108.6481% | 583 |
| Total domestic deposits to total assets | 77.5277% | 6,160 |
| Equity capital to assets | 10.3504% | 3,695 |
| Core capital (leverage) ratio | 10.4898% | 2,779 |
| Tier 1 risk-based capital ratio | 14.5463% | 3,994 |
| Total risk-based capital ratio | 15.8206% | 3,936 |
| Memoranda: | ||
| Average total assets | $422,632,600 | 1,555 |
| Average earning assets | $377,320,400 | 1,582 |
| Average equity | $42,376,000 | 1,642 |
| Average total loans | $340,982,600 | 1,241 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 1,844 |
| Cost of funding earning assets | 0.9569% | 1,815 |
| Net interest margin | 3.9889% | 2,546 |
| Noninterest income to average assets | 1.1179% | 1,203 |
| Noninterest expense to average assets | 3.6167% | 1,527 |
| Loan and lease loss provision to assets | 0.3212% | 2,054 |
| Net operating income to assets | 0.5171% | 4,779 |
| Return on assets (ROA) | 0.5478% | 4,892 |
| Pretax return on assets | 0.7870% | 4,547 |
| Return on Equity (ROE) | 5.5075% | 4,594 |
| Retained earnings to average equity (ytd only) | 5.5075% | 3,032 |
| Net charge-offs to loans | 0.2235% | 3,380 |
| Credit loss provision to net charge-offs | 178.1469% | 1,566 |
| Earnings coverage of net charge-offs (x) | 5.9038% | 2,897 |
| Efficiency ratio | 77.2623% | 2,486 |
| Assets per employee ($millions) | 3.7410% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,592 |
| Loan loss allowance to noncurrent loans | 60.4703% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.7628% | 2,964 |
| Noncurrent loans to loans | 1.8687% | 2,991 |
| Net loans and leases to total assets | 78.7737% | 638 |
| Net loans and leases to deposits | 101.8040% | 360 |
| Net loans and leases to core deposits | 107.3556% | 679 |
| Total domestic deposits to total assets | 77.3778% | 6,182 |
| Equity capital to assets | 10.1533% | 4,272 |
| Core capital (leverage) ratio | 10.2401% | 3,243 |
| Tier 1 risk-based capital ratio | 14.6778% | 4,066 |
| Total risk-based capital ratio | 15.9285% | 4,030 |
| Memoranda: | ||
| Average total assets | $423,026,750 | 1,572 |
| Average earning assets | $377,869,500 | 1,601 |
| Average equity | $42,074,750 | 1,670 |
| Average total loans | $341,268,500 | 1,245 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 1,747 |
| Cost of funding earning assets | 0.9600% | 1,996 |
| Net interest margin | 4.0545% | 2,272 |
| Noninterest income to average assets | 1.0994% | 1,184 |
| Noninterest expense to average assets | 3.7440% | 1,306 |
| Loan and lease loss provision to assets | 0.3503% | 1,878 |
| Net operating income to assets | 0.4503% | 5,035 |
| Return on assets (ROA) | 0.5067% | 5,049 |
| Pretax return on assets | 0.7118% | 4,795 |
| Return on Equity (ROE) | 5.1301% | 4,742 |
| Retained earnings to average equity (ytd only) | 5.1301% | 3,201 |
| Net charge-offs to loans | 0.2719% | 2,954 |
| Credit loss provision to net charge-offs | 159.0129% | 1,751 |
| Earnings coverage of net charge-offs (x) | 4.4614% | 3,074 |
| Efficiency ratio | 79.2100% | 2,300 |
| Assets per employee ($millions) | 3.7469% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 5,961 |
| Loan loss allowance to noncurrent loans | 62.2793% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.7549% | 3,099 |
| Noncurrent loans to loans | 1.6855% | 3,369 |
| Net loans and leases to total assets | 80.1943% | 482 |
| Net loans and leases to deposits | 103.0688% | 306 |
| Net loans and leases to core deposits | 109.1105% | 610 |
| Total domestic deposits to total assets | 77.8066% | 6,191 |
| Equity capital to assets | 9.8224% | 4,587 |
| Core capital (leverage) ratio | 10.2503% | 3,096 |
| Tier 1 risk-based capital ratio | 14.4910% | 4,113 |
| Total risk-based capital ratio | 15.7273% | 4,082 |
| Memoranda: | ||
| Average total assets | $423,125,670 | 1,570 |
| Average earning assets | $378,541,330 | 1,594 |
| Average equity | $41,792,670 | 1,674 |
| Average total loans | $342,756,000 | 1,237 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 1,789 |
| Cost of funding earning assets | 0.9819% | 2,089 |
| Net interest margin | 4.0487% | 2,308 |
| Noninterest income to average assets | 1.0581% | 1,289 |
| Noninterest expense to average assets | 3.8754% | 1,096 |
| Loan and lease loss provision to assets | 0.3173% | 1,974 |
| Net operating income to assets | 0.3588% | 5,435 |
| Return on assets (ROA) | 0.4018% | 5,434 |
| Pretax return on assets | 0.5509% | 5,277 |
| Return on Equity (ROE) | 4.0565% | 5,270 |
| Retained earnings to average equity (ytd only) | 4.0565% | 4,157 |
| Net charge-offs to loans | 0.3178% | 2,374 |
| Credit loss provision to net charge-offs | 123.2472% | 1,942 |
| Earnings coverage of net charge-offs (x) | 3.1439% | 2,946 |
| Efficiency ratio | 82.7251% | 1,839 |
| Assets per employee ($millions) | 3.6456% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,262 |
| Loan loss allowance to noncurrent loans | 55.1313% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7901% | 3,187 |
| Noncurrent loans to loans | 1.8084% | 3,400 |
| Net loans and leases to total assets | 80.3565% | 376 |
| Net loans and leases to deposits | 102.3918% | 294 |
| Net loans and leases to core deposits | 107.9699% | 610 |
| Total domestic deposits to total assets | 78.4794% | 6,193 |
| Equity capital to assets | 9.9520% | 4,185 |
| Core capital (leverage) ratio | 10.1997% | 3,107 |
| Tier 1 risk-based capital ratio | 14.4756% | 4,127 |
| Total risk-based capital ratio | 15.6651% | 4,133 |
| Memoranda: | ||
| Average total assets | $421,116,000 | 1,580 |
| Average earning assets | $377,210,500 | 1,606 |
| Average equity | $41,711,000 | 1,665 |
| Average total loans | $341,044,000 | 1,238 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 1,853 |
| Cost of funding earning assets | 1.1198% | 2,534 |
| Net interest margin | 4.1337% | 2,291 |
| Noninterest income to average assets | 0.9893% | 1,396 |
| Noninterest expense to average assets | 3.7043% | 1,529 |
| Loan and lease loss provision to assets | 0.3835% | 2,694 |
| Net operating income to assets | 0.4662% | 4,558 |
| Return on assets (ROA) | 0.5135% | 4,574 |
| Pretax return on assets | 0.6624% | 4,462 |
| Return on Equity (ROE) | 5.3870% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.3870% | 2,387 |
| Net charge-offs to loans | 0.2904% | 3,959 |
| Credit loss provision to net charge-offs | 159.8606% | 1,731 |
| Earnings coverage of net charge-offs (x) | 4.1066% | 3,266 |
| Efficiency ratio | 78.9911% | 2,450 |
| Assets per employee ($millions) | 3.7779% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 6,265 |
| Loan loss allowance to noncurrent loans | 67.9684% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.5453% | 3,631 |
| Noncurrent loans to loans | 1.4585% | 3,976 |
| Net loans and leases to total assets | 80.0033% | 496 |
| Net loans and leases to deposits | 101.8436% | 385 |
| Net loans and leases to core deposits | 106.0972% | 790 |
| Total domestic deposits to total assets | 78.5551% | 6,084 |
| Equity capital to assets | 9.8573% | 4,359 |
| Core capital (leverage) ratio | 9.7424% | 3,683 |
| Tier 1 risk-based capital ratio | 14.2906% | 4,115 |
| Total risk-based capital ratio | 15.4695% | 4,122 |
| Memoranda: | ||
| Average total assets | $418,485,600 | 1,555 |
| Average earning assets | $374,605,400 | 1,587 |
| Average equity | $39,892,600 | 1,691 |
| Average total loans | $345,735,400 | 1,225 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2846% | 1,922 |
| Cost of funding earning assets | 1.1423% | 2,681 |
| Net interest margin | 4.1423% | 2,297 |
| Noninterest income to average assets | 0.9684% | 1,424 |
| Noninterest expense to average assets | 3.6859% | 1,524 |
| Loan and lease loss provision to assets | 0.3803% | 2,578 |
| Net operating income to assets | 0.4676% | 4,684 |
| Return on assets (ROA) | 0.5151% | 4,667 |
| Pretax return on assets | 0.6742% | 4,566 |
| Return on Equity (ROE) | 5.4503% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.4503% | 2,881 |
| Net charge-offs to loans | 0.3569% | 3,307 |
| Credit loss provision to net charge-offs | 128.2796% | 2,487 |
| Earnings coverage of net charge-offs (x) | 3.3462% | 3,476 |
| Efficiency ratio | 78.7939% | 2,431 |
| Assets per employee ($millions) | 3.7394% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 6,681 |
| Loan loss allowance to noncurrent loans | 67.8267% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4750% | 3,912 |
| Noncurrent loans to loans | 1.2819% | 4,387 |
| Net loans and leases to total assets | 80.7965% | 438 |
| Net loans and leases to deposits | 104.7845% | 290 |
| Net loans and leases to core deposits | 108.6118% | 743 |
| Total domestic deposits to total assets | 77.1073% | 6,363 |
| Equity capital to assets | 9.4387% | 5,181 |
| Core capital (leverage) ratio | 9.5576% | 4,062 |
| Tier 1 risk-based capital ratio | 13.6473% | 4,617 |
| Total risk-based capital ratio | 14.6916% | 4,750 |
| Memoranda: | ||
| Average total assets | $418,271,000 | 1,565 |
| Average earning assets | $374,563,750 | 1,597 |
| Average equity | $39,531,750 | 1,715 |
| Average total loans | $347,457,250 | 1,236 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 1,828 |
| Cost of funding earning assets | 1.1947% | 2,616 |
| Net interest margin | 4.1234% | 2,324 |
| Noninterest income to average assets | 0.9634% | 1,419 |
| Noninterest expense to average assets | 3.6078% | 1,719 |
| Loan and lease loss provision to assets | 0.3860% | 2,481 |
| Net operating income to assets | 0.5049% | 4,481 |
| Return on assets (ROA) | 0.5693% | 4,341 |
| Pretax return on assets | 0.7517% | 4,208 |
| Return on Equity (ROE) | 6.0209% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.0209% | 2,415 |
| Net charge-offs to loans | 0.2533% | 3,617 |
| Credit loss provision to net charge-offs | 182.2727% | 1,654 |
| Earnings coverage of net charge-offs (x) | 4.9727% | 2,723 |
| Efficiency ratio | 77.4084% | 2,797 |
| Assets per employee ($millions) | 3.6637% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,680 |
| Loan loss allowance to noncurrent loans | 64.3166% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 3,691 |
| Noncurrent loans to loans | 1.3857% | 4,328 |
| Net loans and leases to total assets | 83.8065% | 254 |
| Net loans and leases to deposits | 108.9582% | 197 |
| Net loans and leases to core deposits | 112.4686% | 630 |
| Total domestic deposits to total assets | 76.9162% | 6,463 |
| Equity capital to assets | 9.7819% | 4,410 |
| Core capital (leverage) ratio | 9.5550% | 3,874 |
| Tier 1 risk-based capital ratio | 13.8239% | 4,291 |
| Total risk-based capital ratio | 14.9321% | 4,368 |
| Memoranda: | ||
| Average total assets | $415,595,670 | 1,586 |
| Average earning assets | $372,653,000 | 1,618 |
| Average equity | $39,296,670 | 1,709 |
| Average total loans | $347,458,330 | 1,248 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 1,878 |
| Cost of funding earning assets | 1.2408% | 2,564 |
| Net interest margin | 4.0551% | 2,453 |
| Noninterest income to average assets | 0.9635% | 1,424 |
| Noninterest expense to average assets | 3.7148% | 1,510 |
| Loan and lease loss provision to assets | 0.3343% | 2,556 |
| Net operating income to assets | 0.4345% | 4,785 |
| Return on assets (ROA) | 0.5139% | 4,520 |
| Pretax return on assets | 0.6580% | 4,460 |
| Return on Equity (ROE) | 5.5302% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.5302% | 2,894 |
| Net charge-offs to loans | 0.0867% | 4,088 |
| Credit loss provision to net charge-offs | 464.0000% | 760 |
| Earnings coverage of net charge-offs (x) | 12.3600% | 1,500 |
| Efficiency ratio | 80.6633% | 2,413 |
| Assets per employee ($millions) | 3.6531% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 6,775 |
| Loan loss allowance to noncurrent loans | 49.3006% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 1.7984% | 3,574 |
| Noncurrent loans to loans | 1.7643% | 3,872 |
| Net loans and leases to total assets | 81.5161% | 385 |
| Net loans and leases to deposits | 106.1565% | 246 |
| Net loans and leases to core deposits | 109.7816% | 738 |
| Total domestic deposits to total assets | 76.7886% | 6,568 |
| Equity capital to assets | 9.2161% | 4,850 |
| Core capital (leverage) ratio | 9.5207% | 3,776 |
| Tier 1 risk-based capital ratio | 13.6615% | 4,318 |
| Total risk-based capital ratio | 14.7389% | 4,405 |
| Memoranda: | ||
| Average total assets | $416,393,500 | 1,598 |
| Average earning assets | $373,950,500 | 1,621 |
| Average equity | $38,696,500 | 1,722 |
| Average total loans | $346,148,000 | 1,263 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 2,628 |
| Cost of funding earning assets | 1.6569% | 1,791 |
| Net interest margin | 3.7528% | 4,142 |
| Noninterest income to average assets | 1.1431% | 1,132 |
| Noninterest expense to average assets | 3.2940% | 2,759 |
| Loan and lease loss provision to assets | 0.4986% | 3,158 |
| Net operating income to assets | 0.5060% | 4,069 |
| Return on assets (ROA) | 0.4963% | 4,272 |
| Pretax return on assets | 0.7008% | 3,972 |
| Return on Equity (ROE) | 5.8292% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.8292% | 1,917 |
| Net charge-offs to loans | 0.7031% | 2,903 |
| Credit loss provision to net charge-offs | 86.6079% | 5,257 |
| Earnings coverage of net charge-offs (x) | 2.1071% | 4,142 |
| Efficiency ratio | 73.0858% | 3,582 |
| Assets per employee ($millions) | 3.6521% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 6,963 |
| Loan loss allowance to noncurrent loans | 56.5512% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 3,769 |
| Noncurrent loans to loans | 1.4184% | 4,357 |
| Net loans and leases to total assets | 83.3868% | 348 |
| Net loans and leases to deposits | 107.6900% | 279 |
| Net loans and leases to core deposits | 111.4580% | 846 |
| Total domestic deposits to total assets | 77.4322% | 6,414 |
| Equity capital to assets | 9.3732% | 4,580 |
| Core capital (leverage) ratio | 9.1758% | 4,217 |
| Tier 1 risk-based capital ratio | 13.7904% | 3,997 |
| Total risk-based capital ratio | 14.7906% | 4,136 |
| Memoranda: | ||
| Average total assets | $433,216,800 | 1,541 |
| Average earning assets | $388,323,000 | 1,555 |
| Average equity | $36,883,000 | 1,799 |
| Average total loans | $354,700,200 | 1,265 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4186% | 2,799 |
| Cost of funding earning assets | 1.7148% | 1,797 |
| Net interest margin | 3.7038% | 4,379 |
| Noninterest income to average assets | 1.0803% | 1,227 |
| Noninterest expense to average assets | 3.2281% | 2,823 |
| Loan and lease loss provision to assets | 0.5369% | 2,790 |
| Net operating income to assets | 0.4561% | 4,514 |
| Return on assets (ROA) | 0.4550% | 4,706 |
| Pretax return on assets | 0.6332% | 4,476 |
| Return on Equity (ROE) | 5.4728% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.4728% | 2,667 |
| Net charge-offs to loans | 0.8531% | 2,313 |
| Credit loss provision to net charge-offs | 77.3502% | 5,217 |
| Earnings coverage of net charge-offs (x) | 1.6878% | 4,438 |
| Efficiency ratio | 73.3701% | 3,447 |
| Assets per employee ($millions) | 3.7622% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 7,127 |
| Loan loss allowance to noncurrent loans | 53.6697% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.6494% | 3,968 |
| Noncurrent loans to loans | 1.3809% | 4,556 |
| Net loans and leases to total assets | 80.3772% | 683 |
| Net loans and leases to deposits | 103.0392% | 480 |
| Net loans and leases to core deposits | 107.0693% | 1,234 |
| Total domestic deposits to total assets | 78.0064% | 6,258 |
| Equity capital to assets | 8.7538% | 5,930 |
| Core capital (leverage) ratio | 8.5981% | 5,350 |
| Tier 1 risk-based capital ratio | 13.0377% | 4,552 |
| Total risk-based capital ratio | 13.9485% | 4,798 |
| Memoranda: | ||
| Average total assets | $439,263,500 | 1,542 |
| Average earning assets | $393,671,750 | 1,559 |
| Average equity | $36,519,000 | 1,834 |
| Average total loans | $357,416,500 | 1,267 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 2,960 |
| Cost of funding earning assets | 1.7578% | 1,828 |
| Net interest margin | 3.6465% | 4,595 |
| Noninterest income to average assets | 1.0042% | 1,372 |
| Noninterest expense to average assets | 3.2567% | 2,704 |
| Loan and lease loss provision to assets | 0.2778% | 4,178 |
| Net operating income to assets | 0.5524% | 4,081 |
| Return on assets (ROA) | 0.5588% | 4,189 |
| Pretax return on assets | 0.7481% | 4,072 |
| Return on Equity (ROE) | 6.8385% | 3,378 |
| Retained earnings to average equity (ytd only) | 6.8385% | 1,911 |
| Net charge-offs to loans | 0.1885% | 4,477 |
| Credit loss provision to net charge-offs | 180.8824% | 2,172 |
| Earnings coverage of net charge-offs (x) | 6.6235% | 2,434 |
| Efficiency ratio | 76.1970% | 3,040 |
| Assets per employee ($millions) | 3.7537% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 6,640 |
| Loan loss allowance to noncurrent loans | 44.5076% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.1003% | 3,379 |
| Noncurrent loans to loans | 2.1033% | 3,586 |
| Net loans and leases to total assets | 81.1301% | 651 |
| Net loans and leases to deposits | 103.6584% | 502 |
| Net loans and leases to core deposits | 108.0150% | 1,296 |
| Total domestic deposits to total assets | 78.2669% | 6,207 |
| Equity capital to assets | 8.3792% | 6,320 |
| Core capital (leverage) ratio | 8.2913% | 5,790 |
| Tier 1 risk-based capital ratio | 12.5775% | 4,790 |
| Total risk-based capital ratio | 13.7355% | 4,853 |
| Memoranda: | ||
| Average total assets | $442,721,670 | 1,542 |
| Average earning assets | $396,978,000 | 1,560 |
| Average equity | $36,177,330 | 1,848 |
| Average total loans | $360,787,670 | 1,268 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 2,979 |
| Cost of funding earning assets | 1.7614% | 2,061 |
| Net interest margin | 3.6514% | 4,481 |
| Noninterest income to average assets | 0.9809% | 1,361 |
| Noninterest expense to average assets | 3.2766% | 2,608 |
| Loan and lease loss provision to assets | 0.2088% | 4,415 |
| Net operating income to assets | 0.5610% | 4,074 |
| Return on assets (ROA) | 0.5912% | 4,077 |
| Pretax return on assets | 0.8090% | 3,828 |
| Return on Equity (ROE) | 7.3273% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.3273% | 2,006 |
| Net charge-offs to loans | 0.2280% | 3,554 |
| Credit loss provision to net charge-offs | 112.6214% | 3,077 |
| Earnings coverage of net charge-offs (x) | 5.2670% | 2,432 |
| Efficiency ratio | 77.0419% | 3,056 |
| Assets per employee ($millions) | 3.7977% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,942 |
| Loan loss allowance to noncurrent loans | 36.7256% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 2.3094% | 3,136 |
| Noncurrent loans to loans | 2.3531% | 3,324 |
| Net loans and leases to total assets | 79.8165% | 864 |
| Net loans and leases to deposits | 104.0384% | 526 |
| Net loans and leases to core deposits | 107.9029% | 1,423 |
| Total domestic deposits to total assets | 76.7183% | 6,621 |
| Equity capital to assets | 8.1442% | 6,499 |
| Core capital (leverage) ratio | 8.4623% | 5,439 |
| Tier 1 risk-based capital ratio | 12.4802% | 4,774 |
| Total risk-based capital ratio | 13.5381% | 4,873 |
| Memoranda: | ||
| Average total assets | $444,491,500 | 1,581 |
| Average earning assets | $398,311,500 | 1,595 |
| Average equity | $35,866,000 | 1,876 |
| Average total loans | $361,343,500 | 1,307 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6825% | 3,197 |
| Cost of funding earning assets | 2.3162% | 1,591 |
| Net interest margin | 3.3663% | 5,509 |
| Noninterest income to average assets | 1.0627% | 1,362 |
| Noninterest expense to average assets | 3.7540% | 1,789 |
| Loan and lease loss provision to assets | 0.1486% | 6,176 |
| Net operating income to assets | 0.1431% | 5,073 |
| Return on assets (ROA) | -0.1110% | 5,701 |
| Pretax return on assets | -0.1308% | 5,626 |
| Return on Equity (ROE) | -1.4358% | 5,762 |
| Retained earnings to average equity (ytd only) | -1.4358% | 5,379 |
| Net charge-offs to loans | 0.1455% | 5,785 |
| Credit loss provision to net charge-offs | 124.7637% | 4,202 |
| Earnings coverage of net charge-offs (x) | 2.6597% | 3,785 |
| Efficiency ratio | 92.2192% | 1,551 |
| Assets per employee ($millions) | 3.8671% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 6,969 |
| Loan loss allowance to noncurrent loans | 50.2356% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9959% | 3,407 |
| Noncurrent loans to loans | 1.7008% | 4,090 |
| Net loans and leases to total assets | 81.3866% | 782 |
| Net loans and leases to deposits | 107.1465% | 495 |
| Net loans and leases to core deposits | 129.2435% | 1,321 |
| Total domestic deposits to total assets | 75.9583% | 6,689 |
| Equity capital to assets | 7.9925% | 6,590 |
| Core capital (leverage) ratio | 8.3097% | 5,592 |
| Tier 1 risk-based capital ratio | 12.0251% | 4,928 |
| Total risk-based capital ratio | 13.0715% | 5,060 |
| Memoranda: | ||
| Average total assets | $444,225,000 | 1,565 |
| Average earning assets | $396,937,600 | 1,601 |
| Average equity | $34,336,600 | 1,961 |
| Average total loans | $363,488,200 | 1,322 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7429% | 3,124 |
| Cost of funding earning assets | 2.4463% | 1,460 |
| Net interest margin | 3.2966% | 5,656 |
| Noninterest income to average assets | 1.0090% | 1,574 |
| Noninterest expense to average assets | 3.8992% | 1,429 |
| Loan and lease loss provision to assets | 0.1420% | 5,937 |
| Net operating income to assets | -0.0765% | 5,853 |
| Return on assets (ROA) | -0.3484% | 6,271 |
| Pretax return on assets | -0.3912% | 6,188 |
| Return on Equity (ROE) | -4.5457% | 6,404 |
| Retained earnings to average equity (ytd only) | -4.5457% | 6,195 |
| Net charge-offs to loans | 0.1598% | 5,110 |
| Credit loss provision to net charge-offs | 108.7156% | 4,674 |
| Earnings coverage of net charge-offs (x) | 0.4312% | 5,602 |
| Efficiency ratio | 98.5762% | 1,134 |
| Assets per employee ($millions) | 3.6276% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 7,052 |
| Loan loss allowance to noncurrent loans | 47.7092% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.9044% | 3,496 |
| Noncurrent loans to loans | 1.7216% | 4,051 |
| Net loans and leases to total assets | 83.1904% | 646 |
| Net loans and leases to deposits | 109.0055% | 500 |
| Net loans and leases to core deposits | 131.4887% | 1,349 |
| Total domestic deposits to total assets | 76.3176% | 6,522 |
| Equity capital to assets | 7.9286% | 6,914 |
| Core capital (leverage) ratio | 7.2265% | 7,239 |
| Tier 1 risk-based capital ratio | 10.8476% | 6,108 |
| Total risk-based capital ratio | 11.8860% | 6,291 |
| Memoranda: | ||
| Average total assets | $445,068,750 | 1,571 |
| Average earning assets | $397,811,750 | 1,613 |
| Average equity | $34,112,000 | 1,992 |
| Average total loans | $363,889,000 | 1,349 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7748% | 3,164 |
| Cost of funding earning assets | 2.5564% | 1,422 |
| Net interest margin | 3.2184% | 5,845 |
| Noninterest income to average assets | 0.9252% | 1,872 |
| Noninterest expense to average assets | 3.8972% | 1,493 |
| Loan and lease loss provision to assets | 0.1115% | 6,030 |
| Net operating income to assets | -0.1983% | 6,186 |
| Return on assets (ROA) | -0.5724% | 6,631 |
| Pretax return on assets | -0.6058% | 6,529 |
| Return on Equity (ROE) | -7.5519% | 6,858 |
| Retained earnings to average equity (ytd only) | -7.5519% | 6,624 |
| Net charge-offs to loans | 0.1343% | 4,819 |
| Credit loss provision to net charge-offs | 102.4590% | 4,465 |
| Earnings coverage of net charge-offs (x) | -0.8852% | 6,199 |
| Efficiency ratio | 102.5352% | 1,073 |
| Assets per employee ($millions) | 3.5163% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 7,134 |
| Loan loss allowance to noncurrent loans | 41.9423% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 2.6206% | 2,453 |
| Noncurrent loans to loans | 1.9251% | 3,636 |
| Net loans and leases to total assets | 81.6222% | 1,021 |
| Net loans and leases to deposits | 109.0155% | 605 |
| Net loans and leases to core deposits | 132.3216% | 1,416 |
| Total domestic deposits to total assets | 74.8721% | 6,786 |
| Equity capital to assets | 7.3789% | 7,365 |
| Core capital (leverage) ratio | 6.9998% | 7,541 |
| Tier 1 risk-based capital ratio | 10.2302% | 6,676 |
| Total risk-based capital ratio | 11.2292% | 6,880 |
| Memoranda: | ||
| Average total assets | $448,321,330 | 1,577 |
| Average earning assets | $400,566,000 | 1,619 |
| Average equity | $33,978,000 | 1,997 |
| Average total loans | $363,473,330 | 1,374 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8207% | 3,194 |
| Cost of funding earning assets | 2.6885% | 1,304 |
| Net interest margin | 3.1322% | 6,097 |
| Noninterest income to average assets | 0.8299% | 2,180 |
| Noninterest expense to average assets | 3.5699% | 1,931 |
| Loan and lease loss provision to assets | 0.1469% | 5,062 |
| Net operating income to assets | -0.0419% | 6,320 |
| Return on assets (ROA) | 0.1647% | 5,938 |
| Pretax return on assets | 0.1167% | 6,127 |
| Return on Equity (ROE) | 2.1455% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.1455% | 4,676 |
| Net charge-offs to loans | 0.0598% | 4,627 |
| Credit loss provision to net charge-offs | 305.5556% | 1,590 |
| Earnings coverage of net charge-offs (x) | 1.1852% | 4,157 |
| Efficiency ratio | 98.4287% | 1,196 |
| Assets per employee ($millions) | 3.5977% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,963 |
| Loan loss allowance to noncurrent loans | 93.7729% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.8418% | 3,157 |
| Noncurrent loans to loans | 0.9073% | 5,187 |
| Net loans and leases to total assets | 79.6026% | 1,458 |
| Net loans and leases to deposits | 106.9717% | 794 |
| Net loans and leases to core deposits | 129.9500% | 1,662 |
| Total domestic deposits to total assets | 74.4147% | 6,819 |
| Equity capital to assets | 7.5523% | 7,308 |
| Core capital (leverage) ratio | 7.9431% | 6,553 |
| Tier 1 risk-based capital ratio | 11.6742% | 5,230 |
| Total risk-based capital ratio | 12.6848% | 5,369 |
| Memoranda: | ||
| Average total assets | $449,196,500 | 1,579 |
| Average earning assets | $401,123,000 | 1,629 |
| Average equity | $34,491,000 | 1,975 |
| Average total loans | $361,476,000 | 1,395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 5,422 |
| Cost of funding earning assets | 2.9395% | 2,100 |
| Net interest margin | 3.0880% | 6,685 |
| Noninterest income to average assets | 0.9778% | 1,663 |
| Noninterest expense to average assets | 3.6938% | 1,962 |
| Loan and lease loss provision to assets | 0.2911% | 4,052 |
| Net operating income to assets | -0.1462% | 6,553 |
| Return on assets (ROA) | -1.1584% | 7,265 |
| Pretax return on assets | -1.7997% | 7,377 |
| Return on Equity (ROE) | -12.7891% | 7,484 |
| Retained earnings to average equity (ytd only) | -12.7891% | 7,314 |
| Net charge-offs to loans | 0.2072% | 4,130 |
| Credit loss provision to net charge-offs | 178.3083% | 2,834 |
| Earnings coverage of net charge-offs (x) | 0.4475% | 5,963 |
| Efficiency ratio | 96.6060% | 1,118 |
| Assets per employee ($millions) | 3.5894% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 7,031 |
| Loan loss allowance to noncurrent loans | 134.0426% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.6328% | 2,981 |
| Noncurrent loans to loans | 0.6104% | 5,541 |
| Net loans and leases to total assets | 79.9981% | 1,663 |
| Net loans and leases to deposits | 113.4578% | 640 |
| Net loans and leases to core deposits | 137.3526% | 1,420 |
| Total domestic deposits to total assets | 70.5091% | 7,220 |
| Equity capital to assets | 7.8047% | 7,089 |
| Core capital (leverage) ratio | 8.2323% | 6,099 |
| Tier 1 risk-based capital ratio | 11.7504% | 5,019 |
| Total risk-based capital ratio | 12.7183% | 5,162 |
| Memoranda: | ||
| Average total assets | $448,963,200 | 1,530 |
| Average earning assets | $405,511,600 | 1,540 |
| Average equity | $40,667,600 | 1,648 |
| Average total loans | $353,697,200 | 1,376 |