Home > The Jacksonville Bank > Performance and Condition Ratios
The Jacksonville Bank, Performance and Condition Ratios
| 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 | 4.5223% | 1,527 |
| Cost of funding earning assets | 0.4511% | 2,617 |
| Net interest margin | 4.0712% | 1,483 |
| Noninterest income to average assets | 0.2314% | 5,209 |
| Noninterest expense to average assets | 2.8483% | 3,040 |
| Loan and lease loss provision to assets | -0.3645% | 6,092 |
| Net operating income to assets | 1.5014% | 864 |
| Return on assets (ROA) | 1.5014% | 898 |
| Pretax return on assets | 1.5032% | 1,547 |
| Return on Equity (ROE) | 13.3691% | 980 |
| Retained earnings to average equity (ytd only) | 13.3691% | 190 |
| Net charge-offs to loans | 0.0136% | 4,023 |
| Credit loss provision to net charge-offs | -3,426.4151% | 5,698 |
| Earnings coverage of net charge-offs (x) | 107.0377% | 545 |
| Efficiency ratio | 70.1958% | 3,192 |
| Assets per employee ($millions) | 7.4683% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0438% | 212 |
| Loan loss allowance to noncurrent loans | 217.3792% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7151% | 1,131 |
| Noncurrent loans to loans | 1.4002% | 1,670 |
| Net loans and leases to total assets | 78.4541% | 1,062 |
| Net loans and leases to deposits | 95.9619% | 1,016 |
| Net loans and leases to core deposits | 99.6411% | 1,538 |
| Total domestic deposits to total assets | 81.7555% | 4,237 |
| Equity capital to assets | 11.6358% | 2,242 |
| Core capital (leverage) ratio | 11.8129% | 1,750 |
| Tier 1 risk-based capital ratio | 14.2517% | 3,581 |
| Total risk-based capital ratio | 15.5234% | 3,482 |
| Memoranda: | ||
| Average total assets | $498,192,200 | 1,351 |
| Average earning assets | $459,569,200 | 1,349 |
| Average equity | $55,950,000 | 1,337 |
| Average total loans | $388,799,200 | 1,190 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 1,489 |
| Cost of funding earning assets | 0.4593% | 2,596 |
| Net interest margin | 4.0794% | 1,463 |
| Noninterest income to average assets | 0.2488% | 5,153 |
| Noninterest expense to average assets | 2.8531% | 2,995 |
| Loan and lease loss provision to assets | -0.5408% | 6,217 |
| Net operating income to assets | 1.6822% | 652 |
| Return on assets (ROA) | 1.6822% | 674 |
| Pretax return on assets | 1.6870% | 1,141 |
| Return on Equity (ROE) | 15.1180% | 710 |
| Retained earnings to average equity (ytd only) | 15.1180% | 160 |
| Net charge-offs to loans | -0.0710% | 5,663 |
| Credit loss provision to net charge-offs | 985.7843% | 378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0155% | 3,211 |
| Assets per employee ($millions) | 7.1033% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1463% | 211 |
| Loan loss allowance to noncurrent loans | 178.4244% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 2.1440% | 911 |
| Noncurrent loans to loans | 1.7634% | 1,350 |
| Net loans and leases to total assets | 76.7229% | 1,287 |
| Net loans and leases to deposits | 89.2939% | 1,738 |
| Net loans and leases to core deposits | 91.6924% | 2,294 |
| Total domestic deposits to total assets | 85.9217% | 2,571 |
| Equity capital to assets | 11.5532% | 2,460 |
| Core capital (leverage) ratio | 11.7102% | 1,877 |
| Tier 1 risk-based capital ratio | 14.2448% | 3,704 |
| Total risk-based capital ratio | 15.5173% | 3,622 |
| Memoranda: | ||
| Average total assets | $495,779,000 | 1,362 |
| Average earning assets | $455,802,000 | 1,364 |
| Average equity | $55,164,500 | 1,365 |
| Average total loans | $383,265,750 | 1,207 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 1,425 |
| Cost of funding earning assets | 0.4659% | 2,550 |
| Net interest margin | 4.0732% | 1,431 |
| Noninterest income to average assets | 0.2982% | 4,824 |
| Noninterest expense to average assets | 2.8734% | 2,982 |
| Loan and lease loss provision to assets | -0.8159% | 6,315 |
| Net operating income to assets | 1.9500% | 398 |
| Return on assets (ROA) | 1.9500% | 414 |
| Pretax return on assets | 1.9686% | 636 |
| Return on Equity (ROE) | 17.7571% | 426 |
| Retained earnings to average equity (ytd only) | 17.7571% | 110 |
| Net charge-offs to loans | -0.2620% | 6,093 |
| Credit loss provision to net charge-offs | 406.2626% | 738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2106% | 3,296 |
| Assets per employee ($millions) | 6.9571% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3345% | 185 |
| Loan loss allowance to noncurrent loans | 218.8361% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.9812% | 1,118 |
| Noncurrent loans to loans | 1.5237% | 1,745 |
| Net loans and leases to total assets | 74.4320% | 1,592 |
| Net loans and leases to deposits | 87.4092% | 1,896 |
| Net loans and leases to core deposits | 89.7514% | 2,374 |
| Total domestic deposits to total assets | 85.1535% | 3,065 |
| Equity capital to assets | 11.3208% | 2,559 |
| Core capital (leverage) ratio | 11.5176% | 1,978 |
| Tier 1 risk-based capital ratio | 14.2211% | 3,806 |
| Total risk-based capital ratio | 15.4954% | 3,720 |
| Memoranda: | ||
| Average total assets | $492,926,670 | 1,381 |
| Average earning assets | $451,141,330 | 1,388 |
| Average equity | $54,130,330 | 1,398 |
| Average total loans | $377,850,670 | 1,219 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 1,394 |
| Cost of funding earning assets | 0.4771% | 2,484 |
| Net interest margin | 4.0476% | 1,418 |
| Noninterest income to average assets | 0.2945% | 4,818 |
| Noninterest expense to average assets | 2.8961% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0864% | 1,915 |
| Return on assets (ROA) | 1.0864% | 2,030 |
| Pretax return on assets | 1.0979% | 3,089 |
| Return on Equity (ROE) | 10.0526% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.0526% | 910 |
| Net charge-offs to loans | 0.0064% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 223.6667% | 255 |
| Efficiency ratio | 71.3437% | 3,276 |
| Assets per employee ($millions) | 7.0011% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8508% | 143 |
| Loan loss allowance to noncurrent loans | 160.1226% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 2.6490% | 782 |
| Noncurrent loans to loans | 2.4049% | 1,025 |
| Net loans and leases to total assets | 73.2182% | 1,614 |
| Net loans and leases to deposits | 84.6553% | 1,991 |
| Net loans and leases to core deposits | 86.9908% | 2,435 |
| Total domestic deposits to total assets | 86.4899% | 2,672 |
| Equity capital to assets | 10.9497% | 3,030 |
| Core capital (leverage) ratio | 10.8700% | 2,553 |
| Tier 1 risk-based capital ratio | 13.5609% | 4,292 |
| Total risk-based capital ratio | 14.8410% | 4,193 |
| Memoranda: | ||
| Average total assets | $488,934,500 | 1,392 |
| Average earning assets | $446,880,000 | 1,409 |
| Average equity | $52,842,000 | 1,434 |
| Average total loans | $373,926,500 | 1,230 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,627 |
| Cost of funding earning assets | 0.5202% | 2,487 |
| Net interest margin | 4.0534% | 1,724 |
| Noninterest income to average assets | 0.3982% | 4,194 |
| Noninterest expense to average assets | 3.3758% | 1,749 |
| Loan and lease loss provision to assets | 0.0575% | 3,391 |
| Net operating income to assets | 0.7050% | 3,868 |
| Return on assets (ROA) | 0.7050% | 3,985 |
| Pretax return on assets | 0.7050% | 4,609 |
| Return on Equity (ROE) | 7.0801% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.0801% | 1,367 |
| Net charge-offs to loans | 0.4505% | 934 |
| Credit loss provision to net charge-offs | 17.1856% | 4,008 |
| Earnings coverage of net charge-offs (x) | 2.2772% | 4,203 |
| Efficiency ratio | 80.2219% | 1,897 |
| Assets per employee ($millions) | 6.8703% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8374% | 147 |
| Loan loss allowance to noncurrent loans | 156.5781% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 2.7149% | 813 |
| Noncurrent loans to loans | 2.4508% | 1,046 |
| Net loans and leases to total assets | 73.8592% | 1,607 |
| Net loans and leases to deposits | 86.4004% | 1,924 |
| Net loans and leases to core deposits | 90.2261% | 2,256 |
| Total domestic deposits to total assets | 85.4848% | 3,088 |
| Equity capital to assets | 10.6648% | 3,281 |
| Core capital (leverage) ratio | 10.3097% | 3,158 |
| Tier 1 risk-based capital ratio | 13.4549% | 4,446 |
| Total risk-based capital ratio | 14.7359% | 4,361 |
| Memoranda: | ||
| Average total assets | $498,732,200 | 1,335 |
| Average earning assets | $460,179,400 | 1,332 |
| Average equity | $49,660,600 | 1,452 |
| Average total loans | $370,703,000 | 1,186 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 1,671 |
| Cost of funding earning assets | 0.5257% | 2,506 |
| Net interest margin | 4.0352% | 1,770 |
| Noninterest income to average assets | 0.4544% | 3,862 |
| Noninterest expense to average assets | 3.4041% | 1,649 |
| Loan and lease loss provision to assets | 0.0763% | 2,811 |
| Net operating income to assets | 0.6950% | 3,967 |
| Return on assets (ROA) | 0.6950% | 4,055 |
| Pretax return on assets | 0.7003% | 4,699 |
| Return on Equity (ROE) | 7.1026% | 3,660 |
| Retained earnings to average equity (ytd only) | 7.1026% | 1,768 |
| Net charge-offs to loans | 0.3163% | 1,258 |
| Credit loss provision to net charge-offs | 32.7252% | 3,415 |
| Earnings coverage of net charge-offs (x) | 3.3307% | 3,681 |
| Efficiency ratio | 80.0560% | 1,907 |
| Assets per employee ($millions) | 6.0693% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2062% | 139 |
| Loan loss allowance to noncurrent loans | 107.3602% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 3.6750% | 567 |
| Noncurrent loans to loans | 3.9178% | 555 |
| Net loans and leases to total assets | 67.7673% | 2,573 |
| Net loans and leases to deposits | 78.4911% | 2,894 |
| Net loans and leases to core deposits | 81.5280% | 3,150 |
| Total domestic deposits to total assets | 86.3376% | 2,680 |
| Equity capital to assets | 9.9749% | 4,189 |
| Core capital (leverage) ratio | 10.1405% | 3,484 |
| Tier 1 risk-based capital ratio | 13.7801% | 4,367 |
| Total risk-based capital ratio | 15.0656% | 4,277 |
| Memoranda: | ||
| Average total assets | $501,467,000 | 1,340 |
| Average earning assets | $463,079,750 | 1,332 |
| Average equity | $49,070,250 | 1,467 |
| Average total loans | $369,714,500 | 1,201 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 1,480 |
| Cost of funding earning assets | 0.5460% | 2,382 |
| Net interest margin | 4.0734% | 1,594 |
| Noninterest income to average assets | 0.3152% | 4,890 |
| Noninterest expense to average assets | 3.3974% | 1,683 |
| Loan and lease loss provision to assets | 0.1151% | 2,115 |
| Net operating income to assets | 0.5551% | 4,571 |
| Return on assets (ROA) | 0.5551% | 4,677 |
| Pretax return on assets | 0.5551% | 5,118 |
| Return on Equity (ROE) | 5.7101% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.7101% | 2,508 |
| Net charge-offs to loans | 0.7678% | 497 |
| Credit loss provision to net charge-offs | 20.0559% | 3,199 |
| Earnings coverage of net charge-offs (x) | 1.1677% | 3,877 |
| Efficiency ratio | 82.1140% | 1,726 |
| Assets per employee ($millions) | 4.9871% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9657% | 174 |
| Loan loss allowance to noncurrent loans | 78.0269% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 4.6042% | 419 |
| Noncurrent loans to loans | 5.0825% | 384 |
| Net loans and leases to total assets | 71.6885% | 1,799 |
| Net loans and leases to deposits | 83.7103% | 2,061 |
| Net loans and leases to core deposits | 87.3705% | 2,378 |
| Total domestic deposits to total assets | 85.6388% | 3,220 |
| Equity capital to assets | 10.0825% | 3,996 |
| Core capital (leverage) ratio | 9.9159% | 3,722 |
| Tier 1 risk-based capital ratio | 13.2541% | 4,751 |
| Total risk-based capital ratio | 14.5373% | 4,669 |
| Memoranda: | ||
| Average total assets | $498,682,330 | 1,345 |
| Average earning assets | $459,369,000 | 1,336 |
| Average equity | $48,475,670 | 1,476 |
| Average total loans | $372,732,000 | 1,183 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,183 |
| Cost of funding earning assets | 0.5485% | 2,433 |
| Net interest margin | 3.8395% | 2,304 |
| Noninterest income to average assets | 0.3025% | 4,934 |
| Noninterest expense to average assets | 3.5102% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3512% | 5,307 |
| Return on assets (ROA) | 0.3512% | 5,363 |
| Pretax return on assets | 0.3512% | 5,592 |
| Return on Equity (ROE) | 3.6802% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.6802% | 3,926 |
| Net charge-offs to loans | 0.7001% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.6707% | 3,284 |
| Efficiency ratio | 89.4171% | 1,089 |
| Assets per employee ($millions) | 4.8143% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9822% | 193 |
| Loan loss allowance to noncurrent loans | 91.1032% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 4.0611% | 572 |
| Noncurrent loans to loans | 4.3711% | 575 |
| Net loans and leases to total assets | 73.4426% | 1,361 |
| Net loans and leases to deposits | 85.4109% | 1,677 |
| Net loans and leases to core deposits | 89.4815% | 1,961 |
| Total domestic deposits to total assets | 85.9875% | 3,370 |
| Equity capital to assets | 9.7417% | 4,175 |
| Core capital (leverage) ratio | 9.7444% | 3,932 |
| Tier 1 risk-based capital ratio | 12.7142% | 5,181 |
| Total risk-based capital ratio | 13.9979% | 5,098 |
| Memoranda: | ||
| Average total assets | $501,161,000 | 1,351 |
| Average earning assets | $464,545,000 | 1,327 |
| Average equity | $47,823,500 | 1,493 |
| Average total loans | $374,818,000 | 1,178 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,509 |
| Cost of funding earning assets | 0.6606% | 2,116 |
| Net interest margin | 4.0620% | 1,759 |
| Noninterest income to average assets | 0.1174% | 6,328 |
| Noninterest expense to average assets | 3.4860% | 1,688 |
| Loan and lease loss provision to assets | 0.1553% | 2,332 |
| Net operating income to assets | 0.2266% | 5,757 |
| Return on assets (ROA) | 0.3098% | 5,583 |
| Pretax return on assets | 0.3098% | 5,706 |
| Return on Equity (ROE) | 3.3375% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.3375% | 3,858 |
| Net charge-offs to loans | 1.3706% | 359 |
| Credit loss provision to net charge-offs | 15.5149% | 4,521 |
| Earnings coverage of net charge-offs (x) | 0.3815% | 4,952 |
| Efficiency ratio | 88.0973% | 1,205 |
| Assets per employee ($millions) | 4.8697% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2554% | 169 |
| Loan loss allowance to noncurrent loans | 92.6623% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 3.9660% | 679 |
| Noncurrent loans to loans | 4.5924% | 574 |
| Net loans and leases to total assets | 70.0149% | 2,006 |
| Net loans and leases to deposits | 80.9881% | 2,324 |
| Net loans and leases to core deposits | 85.2260% | 2,540 |
| Total domestic deposits to total assets | 86.4508% | 3,023 |
| Equity capital to assets | 9.3476% | 4,623 |
| Core capital (leverage) ratio | 9.3339% | 4,501 |
| Tier 1 risk-based capital ratio | 12.8257% | 5,102 |
| Total risk-based capital ratio | 14.1126% | 5,021 |
| Memoranda: | ||
| Average total assets | $524,778,000 | 1,270 |
| Average earning assets | $484,540,000 | 1,260 |
| Average equity | $48,718,800 | 1,450 |
| Average total loans | $383,255,600 | 1,114 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 1,253 |
| Cost of funding earning assets | 0.6776% | 2,112 |
| Net interest margin | 4.1658% | 1,439 |
| Noninterest income to average assets | 0.2146% | 5,894 |
| Noninterest expense to average assets | 3.5310% | 1,545 |
| Loan and lease loss provision to assets | 0.0252% | 4,503 |
| Net operating income to assets | 0.5002% | 4,792 |
| Return on assets (ROA) | 0.6103% | 4,433 |
| Pretax return on assets | 0.6103% | 4,982 |
| Return on Equity (ROE) | 6.5845% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.5845% | 2,087 |
| Net charge-offs to loans | 1.1467% | 481 |
| Credit loss provision to net charge-offs | 3.0084% | 4,303 |
| Earnings coverage of net charge-offs (x) | 0.6276% | 4,644 |
| Efficiency ratio | 85.0481% | 1,465 |
| Assets per employee ($millions) | 5.0779% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5512% | 159 |
| Loan loss allowance to noncurrent loans | 109.3968% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 4.6706% | 625 |
| Noncurrent loans to loans | 4.1603% | 835 |
| Net loans and leases to total assets | 69.4097% | 2,066 |
| Net loans and leases to deposits | 80.4928% | 2,343 |
| Net loans and leases to core deposits | 84.8839% | 2,554 |
| Total domestic deposits to total assets | 86.2310% | 3,117 |
| Equity capital to assets | 9.5411% | 4,498 |
| Core capital (leverage) ratio | 9.3518% | 4,615 |
| Tier 1 risk-based capital ratio | 12.7553% | 5,293 |
| Total risk-based capital ratio | 14.0450% | 5,196 |
| Memoranda: | ||
| Average total assets | $529,359,500 | 1,270 |
| Average earning assets | $488,187,750 | 1,260 |
| Average equity | $49,063,250 | 1,451 |
| Average total loans | $386,481,500 | 1,107 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9225% | 1,043 |
| Cost of funding earning assets | 0.6896% | 2,145 |
| Net interest margin | 4.2329% | 1,190 |
| Noninterest income to average assets | 0.1728% | 6,173 |
| Noninterest expense to average assets | 3.5643% | 1,473 |
| Loan and lease loss provision to assets | -0.0998% | 6,712 |
| Net operating income to assets | 0.6151% | 4,217 |
| Return on assets (ROA) | 0.6323% | 4,296 |
| Pretax return on assets | 0.6323% | 4,905 |
| Return on Equity (ROE) | 6.8870% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.8870% | 1,939 |
| Net charge-offs to loans | 1.3443% | 420 |
| Credit loss provision to net charge-offs | -10.1598% | 5,452 |
| Earnings coverage of net charge-offs (x) | 0.5244% | 4,364 |
| Efficiency ratio | 85.3987% | 1,471 |
| Assets per employee ($millions) | 5.0601% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5302% | 172 |
| Loan loss allowance to noncurrent loans | 101.9443% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 5.0106% | 614 |
| Noncurrent loans to loans | 4.4438% | 793 |
| Net loans and leases to total assets | 69.9642% | 1,890 |
| Net loans and leases to deposits | 80.8999% | 2,195 |
| Net loans and leases to core deposits | 85.4071% | 2,392 |
| Total domestic deposits to total assets | 86.4824% | 3,120 |
| Equity capital to assets | 9.3261% | 4,821 |
| Core capital (leverage) ratio | 9.1927% | 4,705 |
| Tier 1 risk-based capital ratio | 12.3812% | 5,585 |
| Total risk-based capital ratio | 13.6713% | 5,497 |
| Memoranda: | ||
| Average total assets | $534,856,670 | 1,253 |
| Average earning assets | $493,652,330 | 1,243 |
| Average equity | $49,106,670 | 1,455 |
| Average total loans | $390,990,670 | 1,094 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 780 |
| Cost of funding earning assets | 0.6969% | 2,246 |
| Net interest margin | 4.3792% | 834 |
| Noninterest income to average assets | 0.3293% | 5,067 |
| Noninterest expense to average assets | 3.5932% | 1,435 |
| Loan and lease loss provision to assets | 0.1602% | 2,271 |
| Net operating income to assets | 0.6269% | 4,093 |
| Return on assets (ROA) | 0.6543% | 4,092 |
| Pretax return on assets | 0.6543% | 4,769 |
| Return on Equity (ROE) | 7.1804% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.1804% | 2,075 |
| Net charge-offs to loans | 0.6018% | 1,014 |
| Credit loss provision to net charge-offs | 36.4706% | 2,795 |
| Earnings coverage of net charge-offs (x) | 1.7916% | 3,240 |
| Efficiency ratio | 80.2259% | 2,299 |
| Assets per employee ($millions) | 5.3026% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0434% | 131 |
| Loan loss allowance to noncurrent loans | 98.7691% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 5.7706% | 576 |
| Noncurrent loans to loans | 5.1062% | 735 |
| Net loans and leases to total assets | 71.8109% | 1,385 |
| Net loans and leases to deposits | 83.2090% | 1,680 |
| Net loans and leases to core deposits | 87.7968% | 1,929 |
| Total domestic deposits to total assets | 86.3019% | 3,357 |
| Equity capital to assets | 9.5390% | 4,795 |
| Core capital (leverage) ratio | 8.7055% | 5,319 |
| Tier 1 risk-based capital ratio | 11.8297% | 6,013 |
| Total risk-based capital ratio | 13.1263% | 5,956 |
| Memoranda: | ||
| Average total assets | $541,688,000 | 1,248 |
| Average earning assets | $501,097,500 | 1,236 |
| Average equity | $49,356,500 | 1,469 |
| Average total loans | $395,510,000 | 1,077 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9994% | 1,561 |
| Cost of funding earning assets | 0.7836% | 2,795 |
| Net interest margin | 4.2157% | 1,617 |
| Noninterest income to average assets | -0.1860% | 6,953 |
| Noninterest expense to average assets | 3.9529% | 1,032 |
| Loan and lease loss provision to assets | 6.7038% | 4 |
| Net operating income to assets | -6.7008% | 7,073 |
| Return on assets (ROA) | -6.7008% | 7,073 |
| Pretax return on assets | -6.9396% | 7,074 |
| Return on Equity (ROE) | -89.5456% | 7,062 |
| Retained earnings to average equity (ytd only) | -89.5456% | 7,062 |
| Net charge-offs to loans | 6.9736% | 9 |
| Credit loss provision to net charge-offs | 123.2771% | 2,309 |
| Earnings coverage of net charge-offs (x) | -0.0433% | 5,507 |
| Efficiency ratio | 94.6362% | 771 |
| Assets per employee ($millions) | 5.5814% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0745% | 127 |
| Loan loss allowance to noncurrent loans | 88.7044% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 5.2758% | 719 |
| Noncurrent loans to loans | 5.7207% | 631 |
| Net loans and leases to total assets | 67.0248% | 2,358 |
| Net loans and leases to deposits | 76.6069% | 2,698 |
| Net loans and leases to core deposits | 80.6402% | 2,924 |
| Total domestic deposits to total assets | 87.4919% | 2,532 |
| Equity capital to assets | 8.7176% | 5,834 |
| Core capital (leverage) ratio | 8.2947% | 5,893 |
| Tier 1 risk-based capital ratio | 11.3997% | 6,161 |
| Total risk-based capital ratio | 12.6965% | 6,105 |
| Memoranda: | ||
| Average total assets | $566,751,400 | 1,170 |
| Average earning assets | $524,724,400 | 1,150 |
| Average equity | $42,410,800 | 1,640 |
| Average total loans | $441,955,200 | 943 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0174% | 1,655 |
| Cost of funding earning assets | 0.7915% | 3,015 |
| Net interest margin | 4.2259% | 1,659 |
| Noninterest income to average assets | -0.2114% | 7,076 |
| Noninterest expense to average assets | 3.8516% | 1,126 |
| Loan and lease loss provision to assets | 4.1455% | 17 |
| Net operating income to assets | -4.2578% | 7,148 |
| Return on assets (ROA) | -4.2578% | 7,149 |
| Pretax return on assets | -4.2961% | 7,151 |
| Return on Equity (ROE) | -59.3291% | 7,138 |
| Retained earnings to average equity (ytd only) | -59.3291% | 7,134 |
| Net charge-offs to loans | 3.6999% | 107 |
| Credit loss provision to net charge-offs | 140.3851% | 2,057 |
| Earnings coverage of net charge-offs (x) | -0.0510% | 5,353 |
| Efficiency ratio | 89.1767% | 1,100 |
| Assets per employee ($millions) | 5.3857% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1442% | 275 |
| Loan loss allowance to noncurrent loans | 51.4687% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 7.2388% | 485 |
| Noncurrent loans to loans | 8.0519% | 387 |
| Net loans and leases to total assets | 76.2101% | 946 |
| Net loans and leases to deposits | 84.8352% | 1,758 |
| Net loans and leases to core deposits | 90.5382% | 1,921 |
| Total domestic deposits to total assets | 89.8331% | 938 |
| Equity capital to assets | 6.0432% | 6,985 |
| Core capital (leverage) ratio | 5.2523% | 7,002 |
| Tier 1 risk-based capital ratio | 6.7117% | 7,065 |
| Total risk-based capital ratio | 7.9972% | 7,065 |
| Memoranda: | ||
| Average total assets | $567,509,000 | 1,185 |
| Average earning assets | $525,414,000 | 1,162 |
| Average equity | $40,727,750 | 1,730 |
| Average total loans | $452,936,250 | 918 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 1,914 |
| Cost of funding earning assets | 0.8201% | 3,029 |
| Net interest margin | 4.1355% | 1,953 |
| Noninterest income to average assets | -0.1573% | 7,120 |
| Noninterest expense to average assets | 2.9318% | 3,505 |
| Loan and lease loss provision to assets | 4.0644% | 21 |
| Net operating income to assets | -3.3165% | 7,170 |
| Return on assets (ROA) | -3.3165% | 7,172 |
| Pretax return on assets | -3.3311% | 7,165 |
| Return on Equity (ROE) | -43.9940% | 7,155 |
| Retained earnings to average equity (ytd only) | -43.9940% | 7,149 |
| Net charge-offs to loans | 1.7599% | 504 |
| Credit loss provision to net charge-offs | 289.0156% | 1,013 |
| Earnings coverage of net charge-offs (x) | 0.5214% | 4,810 |
| Efficiency ratio | 77.4902% | 2,524 |
| Assets per employee ($millions) | 5.6826% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5552% | 220 |
| Loan loss allowance to noncurrent loans | 44.4911% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 9.3019% | 309 |
| Noncurrent loans to loans | 10.2384% | 253 |
| Net loans and leases to total assets | 74.6372% | 1,153 |
| Net loans and leases to deposits | 82.9279% | 1,991 |
| Net loans and leases to core deposits | 88.8372% | 2,119 |
| Total domestic deposits to total assets | 90.0025% | 922 |
| Equity capital to assets | 6.2880% | 7,006 |
| Core capital (leverage) ratio | 5.2628% | 7,048 |
| Tier 1 risk-based capital ratio | 6.7996% | 7,101 |
| Total risk-based capital ratio | 8.0902% | 7,099 |
| Memoranda: | ||
| Average total assets | $573,564,670 | 1,173 |
| Average earning assets | $530,147,670 | 1,156 |
| Average equity | $43,237,670 | 1,615 |
| Average total loans | $458,330,330 | 897 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 1,677 |
| Cost of funding earning assets | 0.8183% | 3,326 |
| Net interest margin | 4.2473% | 1,615 |
| Noninterest income to average assets | 0.2328% | 5,958 |
| Noninterest expense to average assets | 2.8710% | 3,740 |
| Loan and lease loss provision to assets | 0.0505% | 4,779 |
| Net operating income to assets | 1.2304% | 1,657 |
| Return on assets (ROA) | 1.2304% | 1,836 |
| Pretax return on assets | 1.2304% | 2,805 |
| Return on Equity (ROE) | 15.0537% | 962 |
| Retained earnings to average equity (ytd only) | 15.0537% | 446 |
| Net charge-offs to loans | 0.0122% | 4,536 |
| Credit loss provision to net charge-offs | 514.2857% | 638 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 272 |
| Efficiency ratio | 66.9368% | 4,368 |
| Assets per employee ($millions) | 5.8863% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8494% | 959 |
| Loan loss allowance to noncurrent loans | 26.6620% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 9.7355% | 316 |
| Noncurrent loans to loans | 10.6869% | 265 |
| Net loans and leases to total assets | 76.5412% | 742 |
| Net loans and leases to deposits | 86.7959% | 1,315 |
| Net loans and leases to core deposits | 92.8273% | 1,569 |
| Total domestic deposits to total assets | 88.1852% | 2,194 |
| Equity capital to assets | 8.1559% | 6,406 |
| Core capital (leverage) ratio | 7.4799% | 6,645 |
| Tier 1 risk-based capital ratio | 9.0111% | 7,025 |
| Total risk-based capital ratio | 10.2802% | 7,027 |
| Memoranda: | ||
| Average total assets | $570,534,500 | 1,182 |
| Average earning assets | $526,452,000 | 1,164 |
| Average equity | $46,633,000 | 1,492 |
| Average total loans | $460,864,000 | 892 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 1,017 |
| Cost of funding earning assets | 1.0784% | 2,815 |
| Net interest margin | 4.4905% | 1,161 |
| Noninterest income to average assets | 0.0064% | 6,967 |
| Noninterest expense to average assets | 4.0503% | 960 |
| Loan and lease loss provision to assets | 2.0408% | 285 |
| Net operating income to assets | -3.1430% | 7,195 |
| Return on assets (ROA) | -3.1336% | 7,195 |
| Pretax return on assets | -1.9945% | 7,022 |
| Return on Equity (ROE) | -31.0112% | 7,105 |
| Retained earnings to average equity (ytd only) | -31.0112% | 7,097 |
| Net charge-offs to loans | 2.5300% | 459 |
| Credit loss provision to net charge-offs | 99.6381% | 3,586 |
| Earnings coverage of net charge-offs (x) | 0.0180% | 5,806 |
| Efficiency ratio | 64.8856% | 4,968 |
| Assets per employee ($millions) | 5.6396% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8153% | 962 |
| Loan loss allowance to noncurrent loans | 27.7674% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 9.8280% | 343 |
| Noncurrent loans to loans | 10.1391% | 306 |
| Net loans and leases to total assets | 80.5235% | 441 |
| Net loans and leases to deposits | 94.7143% | 759 |
| Net loans and leases to core deposits | 101.8068% | 1,041 |
| Total domestic deposits to total assets | 85.0173% | 3,835 |
| Equity capital to assets | 8.1920% | 6,440 |
| Core capital (leverage) ratio | 6.8773% | 6,906 |
| Tier 1 risk-based capital ratio | 8.5787% | 7,073 |
| Total risk-based capital ratio | 9.8478% | 7,074 |
| Memoranda: | ||
| Average total assets | $607,164,800 | 1,078 |
| Average earning assets | $551,761,600 | 1,078 |
| Average equity | $61,352,000 | 1,099 |
| Average total loans | $491,545,200 | 850 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6066% | 1,019 |
| Cost of funding earning assets | 1.1046% | 2,946 |
| Net interest margin | 4.5019% | 1,149 |
| Noninterest income to average assets | 0.1251% | 6,631 |
| Noninterest expense to average assets | 2.6497% | 4,908 |
| Loan and lease loss provision to assets | 1.0279% | 827 |
| Net operating income to assets | 0.7782% | 3,262 |
| Return on assets (ROA) | 0.7905% | 3,379 |
| Pretax return on assets | 0.5367% | 5,016 |
| Return on Equity (ROE) | 7.5026% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.5026% | 1,708 |
| Net charge-offs to loans | 1.2422% | 1,248 |
| Credit loss provision to net charge-offs | 102.7545% | 3,241 |
| Earnings coverage of net charge-offs (x) | 1.5518% | 4,476 |
| Efficiency ratio | 60.7018% | 5,607 |
| Assets per employee ($millions) | 5.9580% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7546% | 1,072 |
| Loan loss allowance to noncurrent loans | 25.5563% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 9.2983% | 410 |
| Noncurrent loans to loans | 10.7787% | 307 |
| Net loans and leases to total assets | 77.4210% | 781 |
| Net loans and leases to deposits | 90.9752% | 1,112 |
| Net loans and leases to core deposits | 97.4747% | 1,472 |
| Total domestic deposits to total assets | 85.1011% | 3,723 |
| Equity capital to assets | 11.3526% | 2,812 |
| Core capital (leverage) ratio | 8.1586% | 6,185 |
| Tier 1 risk-based capital ratio | 9.8135% | 7,001 |
| Total risk-based capital ratio | 11.0814% | 6,989 |
| Memoranda: | ||
| Average total assets | $619,374,750 | 1,062 |
| Average earning assets | $560,900,250 | 1,065 |
| Average equity | $65,255,500 | 1,037 |
| Average total loans | $498,779,750 | 851 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 1,090 |
| Cost of funding earning assets | 1.1195% | 3,100 |
| Net interest margin | 4.4696% | 1,202 |
| Noninterest income to average assets | 0.1446% | 6,603 |
| Noninterest expense to average assets | 2.6143% | 5,137 |
| Loan and lease loss provision to assets | 0.9718% | 908 |
| Net operating income to assets | 0.6506% | 3,794 |
| Return on assets (ROA) | 0.6689% | 3,815 |
| Pretax return on assets | 0.6276% | 4,653 |
| Return on Equity (ROE) | 6.5104% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.5104% | 2,136 |
| Net charge-offs to loans | 1.6282% | 897 |
| Credit loss provision to net charge-offs | 73.8454% | 3,954 |
| Earnings coverage of net charge-offs (x) | 1.2015% | 4,382 |
| Efficiency ratio | 59.9726% | 5,881 |
| Assets per employee ($millions) | 6.2233% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4705% | 1,493 |
| Loan loss allowance to noncurrent loans | 30.3298% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 7.0037% | 728 |
| Noncurrent loans to loans | 8.1456% | 545 |
| Net loans and leases to total assets | 77.6297% | 824 |
| Net loans and leases to deposits | 90.6721% | 1,201 |
| Net loans and leases to core deposits | 97.0680% | 1,575 |
| Total domestic deposits to total assets | 85.6159% | 3,551 |
| Equity capital to assets | 10.8521% | 3,131 |
| Core capital (leverage) ratio | 8.0856% | 6,187 |
| Tier 1 risk-based capital ratio | 9.7337% | 7,048 |
| Total risk-based capital ratio | 10.9983% | 7,043 |
| Memoranda: | ||
| Average total assets | $625,247,330 | 1,057 |
| Average earning assets | $566,673,670 | 1,064 |
| Average equity | $64,235,670 | 1,052 |
| Average total loans | $505,345,330 | 854 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 1,615 |
| Cost of funding earning assets | 1.1243% | 3,337 |
| Net interest margin | 4.2606% | 1,699 |
| Noninterest income to average assets | 0.2111% | 6,225 |
| Noninterest expense to average assets | 2.4894% | 5,591 |
| Loan and lease loss provision to assets | 1.2191% | 576 |
| Net operating income to assets | 0.4771% | 4,588 |
| Return on assets (ROA) | 0.4771% | 4,668 |
| Pretax return on assets | 0.3703% | 5,430 |
| Return on Equity (ROE) | 4.7739% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.7739% | 3,319 |
| Net charge-offs to loans | 2.8465% | 382 |
| Credit loss provision to net charge-offs | 52.6043% | 3,702 |
| Earnings coverage of net charge-offs (x) | 0.6858% | 4,109 |
| Efficiency ratio | 58.6613% | 6,179 |
| Assets per employee ($millions) | 6.5195% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,860 |
| Loan loss allowance to noncurrent loans | 30.5410% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 6.5623% | 844 |
| Noncurrent loans to loans | 7.3625% | 715 |
| Net loans and leases to total assets | 79.5325% | 565 |
| Net loans and leases to deposits | 92.8053% | 948 |
| Net loans and leases to core deposits | 100.7809% | 1,274 |
| Total domestic deposits to total assets | 85.6983% | 3,691 |
| Equity capital to assets | 10.3337% | 3,363 |
| Core capital (leverage) ratio | 7.8310% | 6,435 |
| Tier 1 risk-based capital ratio | 9.3934% | 7,172 |
| Total risk-based capital ratio | 10.6552% | 7,167 |
| Memoranda: | ||
| Average total assets | $632,930,500 | 1,053 |
| Average earning assets | $574,565,000 | 1,056 |
| Average equity | $63,261,000 | 1,060 |
| Average total loans | $515,297,000 | 846 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3973% | 2,684 |
| Cost of funding earning assets | 1.6894% | 1,652 |
| Net interest margin | 3.7079% | 4,311 |
| Noninterest income to average assets | -0.2424% | 7,487 |
| Noninterest expense to average assets | 2.7097% | 4,943 |
| Loan and lease loss provision to assets | 3.5171% | 221 |
| Net operating income to assets | -2.0403% | 7,066 |
| Return on assets (ROA) | -2.0403% | 7,078 |
| Pretax return on assets | -3.0563% | 7,306 |
| Return on Equity (ROE) | -22.8014% | 7,088 |
| Retained earnings to average equity (ytd only) | -23.8171% | 7,086 |
| Net charge-offs to loans | 2.6024% | 710 |
| Credit loss provision to net charge-offs | 157.6905% | 2,236 |
| Earnings coverage of net charge-offs (x) | 0.2066% | 5,899 |
| Efficiency ratio | 84.9615% | 1,804 |
| Assets per employee ($millions) | 6.7344% | 847 |
| Cash dividends to net income (ytd only)* | -4.4546% | 7,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4814% | 1,431 |
| Loan loss allowance to noncurrent loans | 33.7308% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 6.8797% | 804 |
| Noncurrent loans to loans | 7.3565% | 746 |
| Net loans and leases to total assets | 79.4432% | 738 |
| Net loans and leases to deposits | 91.2109% | 1,368 |
| Net loans and leases to core deposits | 99.1586% | 1,687 |
| Total domestic deposits to total assets | 87.0984% | 2,769 |
| Equity capital to assets | 9.6704% | 4,187 |
| Core capital (leverage) ratio | 8.9691% | 4,594 |
| Tier 1 risk-based capital ratio | 9.0905% | 7,226 |
| Total risk-based capital ratio | 10.3554% | 7,229 |
| Memoranda: | ||
| Average total assets | $483,009,800 | 1,390 |
| Average earning assets | $444,595,800 | 1,373 |
| Average equity | $43,221,000 | 1,538 |
| Average total loans | $413,963,400 | 1,084 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 1,965 |
| Cost of funding earning assets | 1.8878% | 1,067 |
| Net interest margin | 3.7378% | 4,240 |
| Noninterest income to average assets | 0.1071% | 7,018 |
| Noninterest expense to average assets | 2.6411% | 5,145 |
| Loan and lease loss provision to assets | 1.5361% | 856 |
| Net operating income to assets | -0.3613% | 6,477 |
| Return on assets (ROA) | -0.3613% | 6,524 |
| Pretax return on assets | -0.6143% | 6,621 |
| Return on Equity (ROE) | -4.1600% | 6,577 |
| Retained earnings to average equity (ytd only) | -5.6844% | 6,609 |
| Net charge-offs to loans | 1.0458% | 1,934 |
| Credit loss provision to net charge-offs | 168.3410% | 2,218 |
| Earnings coverage of net charge-offs (x) | 1.0102% | 5,051 |
| Efficiency ratio | 74.1261% | 3,308 |
| Assets per employee ($millions) | 6.3670% | 1,036 |
| Cash dividends to net income (ytd only)* | -36.6446% | 7,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3515% | 1,542 |
| Loan loss allowance to noncurrent loans | 56.4469% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 5.1818% | 1,217 |
| Noncurrent loans to loans | 4.1658% | 1,762 |
| Net loans and leases to total assets | 86.8509% | 145 |
| Net loans and leases to deposits | 102.4698% | 513 |
| Net loans and leases to core deposits | 112.2483% | 921 |
| Total domestic deposits to total assets | 84.7575% | 3,745 |
| Equity capital to assets | 8.9737% | 5,614 |
| Core capital (leverage) ratio | 8.3988% | 5,701 |
| Tier 1 risk-based capital ratio | 9.6024% | 7,224 |
| Total risk-based capital ratio | 10.8660% | 7,212 |
| Memoranda: | ||
| Average total assets | $442,135,500 | 1,530 |
| Average earning assets | $408,790,750 | 1,515 |
| Average equity | $38,396,250 | 1,737 |
| Average total loans | $385,785,500 | 1,182 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5910% | 2,169 |
| Cost of funding earning assets | 1.9621% | 1,009 |
| Net interest margin | 3.6289% | 4,699 |
| Noninterest income to average assets | 0.0326% | 7,420 |
| Noninterest expense to average assets | 2.4251% | 5,991 |
| Loan and lease loss provision to assets | 1.9203% | 642 |
| Net operating income to assets | -0.5853% | 6,731 |
| Return on assets (ROA) | -0.5853% | 6,759 |
| Pretax return on assets | -0.9555% | 6,868 |
| Return on Equity (ROE) | -6.8116% | 6,824 |
| Retained earnings to average equity (ytd only) | -9.0960% | 6,874 |
| Net charge-offs to loans | 1.4957% | 1,280 |
| Credit loss provision to net charge-offs | 148.0524% | 2,665 |
| Earnings coverage of net charge-offs (x) | 0.7439% | 5,004 |
| Efficiency ratio | 71.5379% | 3,894 |
| Assets per employee ($millions) | 7.0538% | 753 |
| Cash dividends to net income (ytd only)* | -33.5371% | 7,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1584% | 1,849 |
| Loan loss allowance to noncurrent loans | 128.1541% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 2.7744% | 2,607 |
| Noncurrent loans to loans | 1.6842% | 4,168 |
| Net loans and leases to total assets | 82.8198% | 454 |
| Net loans and leases to deposits | 95.2896% | 1,114 |
| Net loans and leases to core deposits | 111.7669% | 1,047 |
| Total domestic deposits to total assets | 86.9138% | 2,576 |
| Equity capital to assets | 8.4318% | 6,249 |
| Core capital (leverage) ratio | 8.2676% | 5,831 |
| Tier 1 risk-based capital ratio | 9.7806% | 7,148 |
| Total risk-based capital ratio | 11.0419% | 7,120 |
| Memoranda: | ||
| Average total assets | $447,317,000 | 1,527 |
| Average earning assets | $413,844,670 | 1,494 |
| Average equity | $38,434,670 | 1,732 |
| Average total loans | $387,907,330 | 1,189 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6268% | 2,046 |
| Cost of funding earning assets | 1.9670% | 1,189 |
| Net interest margin | 3.6598% | 4,439 |
| Noninterest income to average assets | -0.0485% | 7,728 |
| Noninterest expense to average assets | 2.3681% | 6,192 |
| Loan and lease loss provision to assets | 2.1336% | 512 |
| Net operating income to assets | -0.6846% | 6,949 |
| Return on assets (ROA) | -0.6846% | 6,974 |
| Pretax return on assets | -1.1571% | 7,126 |
| Return on Equity (ROE) | -7.8924% | 7,051 |
| Retained earnings to average equity (ytd only) | -12.4393% | 7,099 |
| Net charge-offs to loans | 1.6490% | 1,055 |
| Credit loss provision to net charge-offs | 147.4240% | 2,414 |
| Earnings coverage of net charge-offs (x) | 0.6747% | 4,422 |
| Efficiency ratio | 70.8031% | 4,154 |
| Assets per employee ($millions) | 7.1767% | 760 |
| Cash dividends to net income (ytd only)* | -57.6115% | 7,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 2,311 |
| Loan loss allowance to noncurrent loans | 102.9042% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 2.4504% | 2,968 |
| Noncurrent loans to loans | 1.8953% | 3,928 |
| Net loans and leases to total assets | 84.7056% | 316 |
| Net loans and leases to deposits | 98.7770% | 844 |
| Net loans and leases to core deposits | 116.2534% | 936 |
| Total domestic deposits to total assets | 85.7544% | 3,282 |
| Equity capital to assets | 8.5183% | 5,979 |
| Core capital (leverage) ratio | 8.5112% | 5,351 |
| Tier 1 risk-based capital ratio | 9.7821% | 7,160 |
| Total risk-based capital ratio | 11.0408% | 7,157 |
| Memoranda: | ||
| Average total assets | $445,253,000 | 1,572 |
| Average earning assets | $412,806,500 | 1,539 |
| Average equity | $38,619,500 | 1,741 |
| Average total loans | $390,794,000 | 1,212 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6844% | 3,186 |
| Cost of funding earning assets | 2.1992% | 2,039 |
| Net interest margin | 3.4852% | 5,021 |
| Noninterest income to average assets | 0.2212% | 6,529 |
| Noninterest expense to average assets | 2.2076% | 6,974 |
| Loan and lease loss provision to assets | 0.9997% | 2,275 |
| Net operating income to assets | 0.2001% | 4,903 |
| Return on assets (ROA) | 0.2001% | 4,968 |
| Pretax return on assets | 0.2820% | 4,811 |
| Return on Equity (ROE) | 2.3588% | 4,760 |
| Retained earnings to average equity (ytd only) | 2.3588% | 3,467 |
| Net charge-offs to loans | 0.5700% | 3,512 |
| Credit loss provision to net charge-offs | 197.1519% | 2,001 |
| Earnings coverage of net charge-offs (x) | 2.5276% | 3,860 |
| Efficiency ratio | 63.2679% | 5,920 |
| Assets per employee ($millions) | 6.8496% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 2,696 |
| Loan loss allowance to noncurrent loans | 78.3762% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 2.9099% | 2,408 |
| Noncurrent loans to loans | 2.2366% | 3,356 |
| Net loans and leases to total assets | 87.6272% | 190 |
| Net loans and leases to deposits | 102.8962% | 701 |
| Net loans and leases to core deposits | 140.6674% | 786 |
| Total domestic deposits to total assets | 85.1608% | 3,477 |
| Equity capital to assets | 8.8338% | 5,375 |
| Core capital (leverage) ratio | 8.7490% | 4,843 |
| Tier 1 risk-based capital ratio | 9.8287% | 6,999 |
| Total risk-based capital ratio | 11.0849% | 6,978 |
| Memoranda: | ||
| Average total assets | $436,223,800 | 1,590 |
| Average earning assets | $409,049,000 | 1,548 |
| Average equity | $37,010,600 | 1,818 |
| Average total loans | $388,079,800 | 1,241 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6697% | 3,477 |
| Cost of funding earning assets | 2.2906% | 2,016 |
| Net interest margin | 3.3791% | 5,355 |
| Noninterest income to average assets | 0.2133% | 6,703 |
| Noninterest expense to average assets | 2.1966% | 6,985 |
| Loan and lease loss provision to assets | 1.0145% | 1,893 |
| Net operating income to assets | 0.1328% | 5,368 |
| Return on assets (ROA) | 0.1328% | 5,434 |
| Pretax return on assets | 0.1799% | 5,339 |
| Return on Equity (ROE) | 1.5818% | 5,304 |
| Retained earnings to average equity (ytd only) | 1.5818% | 4,427 |
| Net charge-offs to loans | 0.5387% | 3,064 |
| Credit loss provision to net charge-offs | 211.8211% | 2,074 |
| Earnings coverage of net charge-offs (x) | 2.4939% | 3,982 |
| Efficiency ratio | 64.7775% | 5,594 |
| Assets per employee ($millions) | 7.0879% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 2,870 |
| Loan loss allowance to noncurrent loans | 108.4874% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 1.6373% | 3,906 |
| Noncurrent loans to loans | 1.5043% | 4,404 |
| Net loans and leases to total assets | 88.5390% | 175 |
| Net loans and leases to deposits | 119.5057% | 214 |
| Net loans and leases to core deposits | 153.5828% | 503 |
| Total domestic deposits to total assets | 74.0877% | 6,932 |
| Equity capital to assets | 8.5630% | 6,165 |
| Core capital (leverage) ratio | 8.4816% | 5,528 |
| Tier 1 risk-based capital ratio | 9.5363% | 7,346 |
| Total risk-based capital ratio | 10.7910% | 7,302 |
| Memoranda: | ||
| Average total assets | $435,686,750 | 1,601 |
| Average earning assets | $409,726,250 | 1,561 |
| Average equity | $36,582,000 | 1,856 |
| Average total loans | $387,353,000 | 1,258 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5457% | 4,357 |
| Cost of funding earning assets | 2.4320% | 1,840 |
| Net interest margin | 3.1137% | 6,192 |
| Noninterest income to average assets | 0.1952% | 6,894 |
| Noninterest expense to average assets | 2.1872% | 7,089 |
| Loan and lease loss provision to assets | 1.0335% | 1,639 |
| Net operating income to assets | -0.0483% | 5,919 |
| Return on assets (ROA) | -0.0483% | 5,987 |
| Pretax return on assets | -0.0967% | 5,986 |
| Return on Equity (ROE) | -0.5796% | 6,011 |
| Retained earnings to average equity (ytd only) | -0.5796% | 5,370 |
| Net charge-offs to loans | 0.6692% | 2,367 |
| Credit loss provision to net charge-offs | 174.4367% | 2,632 |
| Earnings coverage of net charge-offs (x) | 1.5812% | 4,354 |
| Efficiency ratio | 70.0118% | 4,781 |
| Assets per employee ($millions) | 7.1683% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 3,463 |
| Loan loss allowance to noncurrent loans | 38.8942% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 3.4791% | 1,790 |
| Noncurrent loans to loans | 3.7287% | 1,861 |
| Net loans and leases to total assets | 88.0046% | 234 |
| Net loans and leases to deposits | 118.0761% | 275 |
| Net loans and leases to core deposits | 148.4112% | 694 |
| Total domestic deposits to total assets | 74.5322% | 6,862 |
| Equity capital to assets | 8.4003% | 6,191 |
| Core capital (leverage) ratio | 8.5073% | 5,437 |
| Tier 1 risk-based capital ratio | 9.4330% | 7,450 |
| Total risk-based capital ratio | 10.6855% | 7,405 |
| Memoranda: | ||
| Average total assets | $434,433,330 | 1,626 |
| Average earning assets | $408,642,000 | 1,592 |
| Average equity | $36,232,670 | 1,884 |
| Average total loans | $384,625,000 | 1,287 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 4,341 |
| Cost of funding earning assets | 2.5318% | 1,794 |
| Net interest margin | 3.0701% | 6,282 |
| Noninterest income to average assets | 0.1561% | 7,192 |
| Noninterest expense to average assets | 2.0092% | 7,330 |
| Loan and lease loss provision to assets | 0.8665% | 1,514 |
| Net operating income to assets | 0.0970% | 5,986 |
| Return on assets (ROA) | 0.0970% | 6,152 |
| Pretax return on assets | 0.1626% | 6,022 |
| Return on Equity (ROE) | 1.1672% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.1672% | 5,172 |
| Net charge-offs to loans | 0.7346% | 1,714 |
| Credit loss provision to net charge-offs | 133.8088% | 3,022 |
| Earnings coverage of net charge-offs (x) | 1.5892% | 3,934 |
| Efficiency ratio | 66.1295% | 5,305 |
| Assets per employee ($millions) | 7.3206% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 4,141 |
| Loan loss allowance to noncurrent loans | 51.7433% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 2.2319% | 2,565 |
| Noncurrent loans to loans | 2.4892% | 2,644 |
| Net loans and leases to total assets | 87.6916% | 291 |
| Net loans and leases to deposits | 108.5796% | 696 |
| Net loans and leases to core deposits | 133.7818% | 1,422 |
| Total domestic deposits to total assets | 80.7625% | 5,063 |
| Equity capital to assets | 8.3125% | 6,370 |
| Core capital (leverage) ratio | 8.3140% | 5,882 |
| Tier 1 risk-based capital ratio | 9.2929% | 7,596 |
| Total risk-based capital ratio | 10.5437% | 7,570 |
| Memoranda: | ||
| Average total assets | $433,015,500 | 1,644 |
| Average earning assets | $406,501,500 | 1,604 |
| Average equity | $35,983,000 | 1,903 |
| Average total loans | $381,697,500 | 1,309 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4915% | 3,003 |
| Cost of funding earning assets | 3.2700% | 1,003 |
| Net interest margin | 3.2215% | 6,299 |
| Noninterest income to average assets | 0.3101% | 6,234 |
| Noninterest expense to average assets | 2.1108% | 7,213 |
| Loan and lease loss provision to assets | 0.8528% | 1,747 |
| Net operating income to assets | 0.2814% | 5,608 |
| Return on assets (ROA) | 0.2814% | 5,417 |
| Pretax return on assets | 0.3789% | 5,318 |
| Return on Equity (ROE) | 3.3941% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.3941% | 3,039 |
| Net charge-offs to loans | 0.5393% | 2,211 |
| Credit loss provision to net charge-offs | 180.2120% | 2,795 |
| Earnings coverage of net charge-offs (x) | 2.6027% | 4,785 |
| Efficiency ratio | 63.1504% | 5,748 |
| Assets per employee ($millions) | 7.6160% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,239 |
| Loan loss allowance to noncurrent loans | 37.8337% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 2.8852% | 1,612 |
| Noncurrent loans to loans | 3.2752% | 1,594 |
| Net loans and leases to total assets | 86.3812% | 556 |
| Net loans and leases to deposits | 107.1402% | 1,030 |
| Net loans and leases to core deposits | 136.0006% | 1,484 |
| Total domestic deposits to total assets | 80.6244% | 4,798 |
| Equity capital to assets | 8.3073% | 6,412 |
| Core capital (leverage) ratio | 8.3616% | 5,832 |
| Tier 1 risk-based capital ratio | 9.3280% | 7,492 |
| Total risk-based capital ratio | 10.5467% | 7,449 |
| Memoranda: | ||
| Average total assets | $418,616,600 | 1,627 |
| Average earning assets | $394,037,800 | 1,581 |
| Average equity | $34,706,800 | 1,954 |
| Average total loans | $367,337,600 | 1,319 |