Home > The Scott County State Bank > Performance and Condition Ratios
The Scott County State Bank, Performance and Condition Ratios
| 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 | 4.0673% | 3,018 |
| Cost of funding earning assets | 0.1232% | 6,028 |
| Net interest margin | 3.9441% | 1,836 |
| Noninterest income to average assets | 0.7321% | 2,078 |
| Noninterest expense to average assets | 3.0327% | 2,456 |
| Loan and lease loss provision to assets | 0.0601% | 2,905 |
| Net operating income to assets | 0.9327% | 2,718 |
| Return on assets (ROA) | 0.9952% | 2,522 |
| Pretax return on assets | 1.3412% | 2,203 |
| Return on Equity (ROE) | 9.8481% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.8481% | 694 |
| Net charge-offs to loans | 0.3077% | 862 |
| Credit loss provision to net charge-offs | 33.0709% | 2,894 |
| Earnings coverage of net charge-offs (x) | 7.2520% | 2,687 |
| Efficiency ratio | 65.0559% | 4,181 |
| Assets per employee ($millions) | 6.7383% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 5,183 |
| Loan loss allowance to noncurrent loans | 44.8048% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9239% | 1,168 |
| Noncurrent loans to loans | 2.0741% | 1,161 |
| Net loans and leases to total assets | 58.6109% | 4,027 |
| Net loans and leases to deposits | 66.8123% | 4,247 |
| Net loans and leases to core deposits | 67.4869% | 4,535 |
| Total domestic deposits to total assets | 87.7248% | 1,784 |
| Equity capital to assets | 9.6255% | 4,502 |
| Core capital (leverage) ratio | 10.2143% | 3,316 |
| Tier 1 risk-based capital ratio | 15.7845% | 2,963 |
| Total risk-based capital ratio | 16.6795% | 3,081 |
| Memoranda: | ||
| Average total assets | $139,876,330 | 3,781 |
| Average earning assets | $128,292,670 | 3,791 |
| Average equity | $14,134,670 | 4,026 |
| Average total loans | $82,546,330 | 3,812 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,745 |
| Cost of funding earning assets | 0.1220% | 6,101 |
| Net interest margin | 3.9999% | 1,551 |
| Noninterest income to average assets | 0.7193% | 2,073 |
| Noninterest expense to average assets | 3.5197% | 1,269 |
| Loan and lease loss provision to assets | -0.1268% | 6,224 |
| Net operating income to assets | 0.7439% | 3,575 |
| Return on assets (ROA) | 0.8726% | 3,009 |
| Pretax return on assets | 1.1732% | 2,766 |
| Return on Equity (ROE) | 8.4166% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.4166% | 1,405 |
| Net charge-offs to loans | 0.4752% | 523 |
| Credit loss provision to net charge-offs | -45.2632% | 4,392 |
| Earnings coverage of net charge-offs (x) | 3.1158% | 2,647 |
| Efficiency ratio | 72.8188% | 3,024 |
| Assets per employee ($millions) | 6.1595% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 5,219 |
| Loan loss allowance to noncurrent loans | 41.3681% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 1,099 |
| Noncurrent loans to loans | 2.3137% | 1,065 |
| Net loans and leases to total assets | 58.1892% | 3,916 |
| Net loans and leases to deposits | 65.4457% | 4,208 |
| Net loans and leases to core deposits | 66.4546% | 4,477 |
| Total domestic deposits to total assets | 88.9121% | 1,327 |
| Equity capital to assets | 10.5440% | 3,488 |
| Core capital (leverage) ratio | 10.2675% | 3,255 |
| Tier 1 risk-based capital ratio | 16.8801% | 2,528 |
| Total risk-based capital ratio | 17.8027% | 2,608 |
| Memoranda: | ||
| Average total assets | $135,693,500 | 3,887 |
| Average earning assets | $124,602,500 | 3,897 |
| Average equity | $14,067,500 | 4,063 |
| Average total loans | $79,969,000 | 3,888 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 2,216 |
| Cost of funding earning assets | 0.1369% | 6,169 |
| Net interest margin | 4.2646% | 1,131 |
| Noninterest income to average assets | 0.8289% | 1,760 |
| Noninterest expense to average assets | 3.2819% | 1,970 |
| Loan and lease loss provision to assets | 0.2167% | 1,145 |
| Net operating income to assets | 0.8701% | 3,019 |
| Return on assets (ROA) | 0.8814% | 3,051 |
| Pretax return on assets | 1.1879% | 2,702 |
| Return on Equity (ROE) | 8.0264% | 3,124 |
| Retained earnings to average equity (ytd only) | -15.8933% | 6,391 |
| Net charge-offs to loans | 0.2727% | 1,586 |
| Credit loss provision to net charge-offs | 136.8664% | 1,728 |
| Earnings coverage of net charge-offs (x) | 8.7742% | 2,833 |
| Efficiency ratio | 67.2602% | 4,020 |
| Assets per employee ($millions) | 5.6616% | 1,639 |
| Cash dividends to net income (ytd only)* | 298.0132% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 4,445 |
| Loan loss allowance to noncurrent loans | 50.5902% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 2.1387% | 1,146 |
| Noncurrent loans to loans | 2.2148% | 1,199 |
| Net loans and leases to total assets | 58.4527% | 3,998 |
| Net loans and leases to deposits | 65.4425% | 4,382 |
| Net loans and leases to core deposits | 66.1638% | 4,659 |
| Total domestic deposits to total assets | 89.3192% | 1,060 |
| Equity capital to assets | 10.1907% | 3,866 |
| Core capital (leverage) ratio | 9.9053% | 3,703 |
| Tier 1 risk-based capital ratio | 16.2553% | 2,832 |
| Total risk-based capital ratio | 17.3416% | 2,860 |
| Memoranda: | ||
| Average total assets | $137,053,800 | 3,857 |
| Average earning assets | $123,481,800 | 3,893 |
| Average equity | $15,050,400 | 3,823 |
| Average total loans | $79,561,400 | 3,882 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 2,159 |
| Cost of funding earning assets | 0.1374% | 6,253 |
| Net interest margin | 4.2821% | 1,087 |
| Noninterest income to average assets | 0.8339% | 1,761 |
| Noninterest expense to average assets | 3.3869% | 1,708 |
| Loan and lease loss provision to assets | 0.2009% | 1,180 |
| Net operating income to assets | 0.8101% | 3,383 |
| Return on assets (ROA) | 0.8251% | 3,403 |
| Pretax return on assets | 1.1076% | 3,157 |
| Return on Equity (ROE) | 7.3825% | 3,504 |
| Retained earnings to average equity (ytd only) | -23.8846% | 6,509 |
| Net charge-offs to loans | 0.3628% | 1,103 |
| Credit loss provision to net charge-offs | 95.8333% | 2,323 |
| Earnings coverage of net charge-offs (x) | 6.1436% | 3,136 |
| Efficiency ratio | 69.4145% | 3,608 |
| Assets per employee ($millions) | 5.5828% | 1,651 |
| Cash dividends to net income (ytd only)* | 423.5275% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 5,194 |
| Loan loss allowance to noncurrent loans | 52.8990% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 2.0009% | 1,435 |
| Noncurrent loans to loans | 1.9002% | 1,682 |
| Net loans and leases to total assets | 59.6849% | 3,846 |
| Net loans and leases to deposits | 67.9774% | 4,130 |
| Net loans and leases to core deposits | 69.8745% | 4,332 |
| Total domestic deposits to total assets | 87.8011% | 1,867 |
| Equity capital to assets | 9.9390% | 4,245 |
| Core capital (leverage) ratio | 9.6745% | 4,121 |
| Tier 1 risk-based capital ratio | 15.9036% | 3,102 |
| Total risk-based capital ratio | 16.8909% | 3,176 |
| Memoranda: | ||
| Average total assets | $137,347,500 | 3,875 |
| Average earning assets | $123,206,250 | 3,926 |
| Average equity | $15,351,250 | 3,793 |
| Average total loans | $79,370,500 | 3,920 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 2,180 |
| Cost of funding earning assets | 0.1355% | 6,333 |
| Net interest margin | 4.2629% | 1,104 |
| Noninterest income to average assets | 0.8117% | 1,796 |
| Noninterest expense to average assets | 3.3163% | 1,879 |
| Loan and lease loss provision to assets | 0.0939% | 2,457 |
| Net operating income to assets | 0.8907% | 2,858 |
| Return on assets (ROA) | 0.9128% | 2,844 |
| Pretax return on assets | 1.2494% | 2,456 |
| Return on Equity (ROE) | 7.8855% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.8855% | 1,370 |
| Net charge-offs to loans | 0.3093% | 1,309 |
| Credit loss provision to net charge-offs | 53.2787% | 2,751 |
| Earnings coverage of net charge-offs (x) | 7.4508% | 2,629 |
| Efficiency ratio | 68.5491% | 3,913 |
| Assets per employee ($millions) | 5.7554% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 5,511 |
| Loan loss allowance to noncurrent loans | 46.8923% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 2.0822% | 1,508 |
| Noncurrent loans to loans | 2.0536% | 1,636 |
| Net loans and leases to total assets | 54.4660% | 4,487 |
| Net loans and leases to deposits | 63.9267% | 4,511 |
| Net loans and leases to core deposits | 65.8519% | 4,655 |
| Total domestic deposits to total assets | 85.2008% | 3,410 |
| Equity capital to assets | 11.5362% | 2,386 |
| Core capital (leverage) ratio | 11.8609% | 1,744 |
| Tier 1 risk-based capital ratio | 19.3574% | 1,836 |
| Total risk-based capital ratio | 20.2568% | 1,886 |
| Memoranda: | ||
| Average total assets | $138,467,670 | 3,875 |
| Average earning assets | $124,001,000 | 3,932 |
| Average equity | $16,029,330 | 3,686 |
| Average total loans | $78,900,000 | 3,943 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 2,012 |
| Cost of funding earning assets | 0.1353% | 6,421 |
| Net interest margin | 4.2986% | 998 |
| Noninterest income to average assets | 0.6659% | 2,368 |
| Noninterest expense to average assets | 3.3029% | 1,941 |
| Loan and lease loss provision to assets | -0.0383% | 6,443 |
| Net operating income to assets | 0.9236% | 2,534 |
| Return on assets (ROA) | 0.9694% | 2,391 |
| Pretax return on assets | 1.3023% | 2,081 |
| Return on Equity (ROE) | 8.3585% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.3585% | 1,468 |
| Net charge-offs to loans | 0.0863% | 2,287 |
| Credit loss provision to net charge-offs | -76.4706% | 4,804 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,196 |
| Efficiency ratio | 70.0458% | 3,833 |
| Assets per employee ($millions) | 5.2488% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,491 |
| Loan loss allowance to noncurrent loans | 39.2839% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 1,370 |
| Noncurrent loans to loans | 2.5648% | 1,341 |
| Net loans and leases to total assets | 56.8752% | 4,026 |
| Net loans and leases to deposits | 65.7303% | 4,128 |
| Net loans and leases to core deposits | 68.2227% | 4,284 |
| Total domestic deposits to total assets | 86.5281% | 3,093 |
| Equity capital to assets | 11.7309% | 2,078 |
| Core capital (leverage) ratio | 12.1348% | 1,587 |
| Tier 1 risk-based capital ratio | 19.4568% | 1,846 |
| Total risk-based capital ratio | 20.4147% | 1,881 |
| Memoranda: | ||
| Average total assets | $135,758,500 | 3,963 |
| Average earning assets | $121,249,000 | 4,018 |
| Average equity | $15,744,500 | 3,743 |
| Average total loans | $78,784,500 | 3,975 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4750% | 2,304 |
| Cost of funding earning assets | 0.1854% | 6,363 |
| Net interest margin | 4.2896% | 1,136 |
| Noninterest income to average assets | 0.6893% | 2,608 |
| Noninterest expense to average assets | 3.2468% | 2,287 |
| Loan and lease loss provision to assets | 0.0129% | 4,864 |
| Net operating income to assets | 0.9197% | 2,684 |
| Return on assets (ROA) | 0.9405% | 2,684 |
| Pretax return on assets | 1.3178% | 2,080 |
| Return on Equity (ROE) | 8.4460% | 2,802 |
| Retained earnings to average equity (ytd only) | 2.3397% | 4,581 |
| Net charge-offs to loans | 0.6665% | 975 |
| Credit loss provision to net charge-offs | 3.3520% | 4,669 |
| Earnings coverage of net charge-offs (x) | 3.3855% | 3,867 |
| Efficiency ratio | 68.0516% | 4,190 |
| Assets per employee ($millions) | 5.0018% | 2,177 |
| Cash dividends to net income (ytd only)* | 72.2983% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 5,392 |
| Loan loss allowance to noncurrent loans | 41.5190% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.4591% | 1,406 |
| Noncurrent loans to loans | 2.4949% | 1,516 |
| Net loans and leases to total assets | 58.0105% | 4,031 |
| Net loans and leases to deposits | 67.3846% | 4,134 |
| Net loans and leases to core deposits | 69.9807% | 4,287 |
| Total domestic deposits to total assets | 86.0886% | 3,211 |
| Equity capital to assets | 11.4626% | 2,196 |
| Core capital (leverage) ratio | 11.8036% | 1,753 |
| Tier 1 risk-based capital ratio | 19.0455% | 1,908 |
| Total risk-based capital ratio | 20.0423% | 1,943 |
| Memoranda: | ||
| Average total assets | $139,706,800 | 3,877 |
| Average earning assets | $125,676,400 | 3,931 |
| Average equity | $15,557,600 | 3,774 |
| Average total loans | $80,573,000 | 3,925 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 2,359 |
| Cost of funding earning assets | 0.1941% | 6,425 |
| Net interest margin | 4.2725% | 1,158 |
| Noninterest income to average assets | 0.6843% | 2,710 |
| Noninterest expense to average assets | 3.3268% | 2,010 |
| Loan and lease loss provision to assets | 0.0445% | 4,127 |
| Net operating income to assets | 0.8378% | 3,153 |
| Return on assets (ROA) | 0.8651% | 3,127 |
| Pretax return on assets | 1.2048% | 2,669 |
| Return on Equity (ROE) | 7.8233% | 3,213 |
| Retained earnings to average equity (ytd only) | -0.3081% | 6,004 |
| Net charge-offs to loans | 0.4943% | 1,301 |
| Credit loss provision to net charge-offs | 15.6667% | 4,137 |
| Earnings coverage of net charge-offs (x) | 4.2667% | 3,484 |
| Efficiency ratio | 69.9479% | 3,767 |
| Assets per employee ($millions) | 4.8873% | 2,323 |
| Cash dividends to net income (ytd only)* | 103.9388% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,090 |
| Loan loss allowance to noncurrent loans | 40.3868% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 2.5743% | 1,478 |
| Noncurrent loans to loans | 3.3633% | 1,154 |
| Net loans and leases to total assets | 59.7661% | 3,733 |
| Net loans and leases to deposits | 68.5157% | 4,000 |
| Net loans and leases to core deposits | 71.3769% | 4,166 |
| Total domestic deposits to total assets | 87.2298% | 2,550 |
| Equity capital to assets | 11.5478% | 2,266 |
| Core capital (leverage) ratio | 11.6142% | 1,937 |
| Tier 1 risk-based capital ratio | 18.8022% | 2,048 |
| Total risk-based capital ratio | 20.0625% | 2,008 |
| Memoranda: | ||
| Average total assets | $140,871,500 | 3,898 |
| Average earning assets | $127,074,500 | 3,935 |
| Average equity | $15,577,000 | 3,816 |
| Average total loans | $80,925,750 | 3,941 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 2,414 |
| Cost of funding earning assets | 0.2049% | 6,451 |
| Net interest margin | 4.2364% | 1,178 |
| Noninterest income to average assets | 0.6688% | 2,803 |
| Noninterest expense to average assets | 3.1632% | 2,468 |
| Loan and lease loss provision to assets | 0.0653% | 3,722 |
| Net operating income to assets | 0.9012% | 2,789 |
| Return on assets (ROA) | 0.9121% | 2,871 |
| Pretax return on assets | 1.2792% | 2,374 |
| Return on Equity (ROE) | 8.3620% | 2,911 |
| Retained earnings to average equity (ytd only) | -2.4729% | 6,245 |
| Net charge-offs to loans | 0.5415% | 1,222 |
| Credit loss provision to net charge-offs | 21.3636% | 3,709 |
| Earnings coverage of net charge-offs (x) | 4.3455% | 3,156 |
| Efficiency ratio | 67.0690% | 4,345 |
| Assets per employee ($millions) | 5.1197% | 1,969 |
| Cash dividends to net income (ytd only)* | 129.5732% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 3,837 |
| Loan loss allowance to noncurrent loans | 49.7228% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 2.3229% | 1,859 |
| Noncurrent loans to loans | 2.9024% | 1,548 |
| Net loans and leases to total assets | 57.6065% | 4,045 |
| Net loans and leases to deposits | 66.8862% | 4,165 |
| Net loans and leases to core deposits | 69.3998% | 4,341 |
| Total domestic deposits to total assets | 86.1261% | 3,298 |
| Equity capital to assets | 10.9541% | 2,793 |
| Core capital (leverage) ratio | 11.0170% | 2,339 |
| Tier 1 risk-based capital ratio | 17.9940% | 2,317 |
| Total risk-based capital ratio | 19.2458% | 2,284 |
| Memoranda: | ||
| Average total assets | $143,843,330 | 3,876 |
| Average earning assets | $129,826,670 | 3,907 |
| Average equity | $15,690,000 | 3,824 |
| Average total loans | $81,250,670 | 3,947 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 2,287 |
| Cost of funding earning assets | 0.2240% | 6,454 |
| Net interest margin | 4.2434% | 1,090 |
| Noninterest income to average assets | 0.6601% | 2,815 |
| Noninterest expense to average assets | 3.1531% | 2,506 |
| Loan and lease loss provision to assets | 0.0736% | 3,403 |
| Net operating income to assets | 0.8974% | 2,671 |
| Return on assets (ROA) | 0.8974% | 2,820 |
| Pretax return on assets | 1.2574% | 2,386 |
| Return on Equity (ROE) | 8.2435% | 2,853 |
| Retained earnings to average equity (ytd only) | -11.8016% | 6,676 |
| Net charge-offs to loans | 0.7020% | 871 |
| Credit loss provision to net charge-offs | 18.8811% | 3,054 |
| Earnings coverage of net charge-offs (x) | 3.4126% | 2,773 |
| Efficiency ratio | 67.0316% | 4,488 |
| Assets per employee ($millions) | 5.2068% | 1,975 |
| Cash dividends to net income (ytd only)* | 243.1611% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 3,794 |
| Loan loss allowance to noncurrent loans | 63.8309% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.2072% | 2,111 |
| Noncurrent loans to loans | 2.3624% | 2,208 |
| Net loans and leases to total assets | 56.8208% | 3,957 |
| Net loans and leases to deposits | 65.1197% | 4,171 |
| Net loans and leases to core deposits | 70.4685% | 4,017 |
| Total domestic deposits to total assets | 87.2560% | 2,786 |
| Equity capital to assets | 11.1328% | 2,809 |
| Core capital (leverage) ratio | 10.7061% | 2,544 |
| Tier 1 risk-based capital ratio | 17.4385% | 2,586 |
| Total risk-based capital ratio | 18.6838% | 2,548 |
| Memoranda: | ||
| Average total assets | $146,649,500 | 3,867 |
| Average earning assets | $132,157,500 | 3,896 |
| Average equity | $15,964,000 | 3,825 |
| Average total loans | $81,478,000 | 3,972 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 1,500 |
| Cost of funding earning assets | 0.4219% | 5,775 |
| Net interest margin | 4.5995% | 788 |
| Noninterest income to average assets | 0.6052% | 3,252 |
| Noninterest expense to average assets | 3.0488% | 3,096 |
| Loan and lease loss provision to assets | 0.2563% | 2,602 |
| Net operating income to assets | 0.9740% | 2,444 |
| Return on assets (ROA) | 0.9740% | 2,673 |
| Pretax return on assets | 1.4022% | 2,032 |
| Return on Equity (ROE) | 7.9929% | 3,082 |
| Retained earnings to average equity (ytd only) | -4.1636% | 6,376 |
| Net charge-offs to loans | 0.2503% | 3,437 |
| Credit loss provision to net charge-offs | 167.9612% | 1,577 |
| Earnings coverage of net charge-offs (x) | 10.8689% | 2,095 |
| Efficiency ratio | 61.1802% | 5,361 |
| Assets per employee ($millions) | 5.4541% | 1,728 |
| Cash dividends to net income (ytd only)* | 152.0913% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 3,160 |
| Loan loss allowance to noncurrent loans | 58.7281% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.2781% | 2,156 |
| Noncurrent loans to loans | 2.7855% | 1,889 |
| Net loans and leases to total assets | 52.7211% | 4,801 |
| Net loans and leases to deposits | 63.6145% | 4,580 |
| Net loans and leases to core deposits | 68.8881% | 4,446 |
| Total domestic deposits to total assets | 82.8759% | 4,772 |
| Equity capital to assets | 10.6584% | 3,328 |
| Core capital (leverage) ratio | 11.2625% | 2,046 |
| Tier 1 risk-based capital ratio | 17.3793% | 2,495 |
| Total risk-based capital ratio | 18.6333% | 2,470 |
| Memoranda: | ||
| Average total assets | $135,003,600 | 4,043 |
| Average earning assets | $120,403,400 | 4,102 |
| Average equity | $16,452,000 | 3,713 |
| Average total loans | $82,294,800 | 3,965 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2386% | 1,117 |
| Cost of funding earning assets | 0.4537% | 5,764 |
| Net interest margin | 4.7849% | 576 |
| Noninterest income to average assets | 0.6270% | 3,122 |
| Noninterest expense to average assets | 3.1031% | 2,881 |
| Loan and lease loss provision to assets | 0.2961% | 2,221 |
| Net operating income to assets | 1.0242% | 2,393 |
| Return on assets (ROA) | 1.0242% | 2,615 |
| Pretax return on assets | 1.4816% | 1,951 |
| Return on Equity (ROE) | 8.1069% | 3,235 |
| Retained earnings to average equity (ytd only) | -8.0584% | 6,753 |
| Net charge-offs to loans | 0.3026% | 2,926 |
| Credit loss provision to net charge-offs | 155.0802% | 1,818 |
| Earnings coverage of net charge-offs (x) | 9.3101% | 2,339 |
| Efficiency ratio | 59.9791% | 5,505 |
| Assets per employee ($millions) | 4.7296% | 2,564 |
| Cash dividends to net income (ytd only)* | 199.4018% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 3,605 |
| Loan loss allowance to noncurrent loans | 58.0731% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 2.5946% | 2,036 |
| Noncurrent loans to loans | 2.7185% | 2,082 |
| Net loans and leases to total assets | 61.2929% | 3,515 |
| Net loans and leases to deposits | 74.2802% | 3,241 |
| Net loans and leases to core deposits | 81.5474% | 3,019 |
| Total domestic deposits to total assets | 82.5158% | 4,829 |
| Equity capital to assets | 12.1961% | 2,118 |
| Core capital (leverage) ratio | 11.5614% | 1,944 |
| Tier 1 risk-based capital ratio | 17.9910% | 2,352 |
| Total risk-based capital ratio | 19.2446% | 2,327 |
| Memoranda: | ||
| Average total assets | $130,575,750 | 4,171 |
| Average earning assets | $116,083,500 | 4,242 |
| Average equity | $16,495,750 | 3,738 |
| Average total loans | $82,405,500 | 4,009 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3105% | 1,031 |
| Cost of funding earning assets | 0.4687% | 5,835 |
| Net interest margin | 4.8418% | 524 |
| Noninterest income to average assets | 0.5325% | 3,706 |
| Noninterest expense to average assets | 3.1656% | 2,708 |
| Loan and lease loss provision to assets | 0.4063% | 1,613 |
| Net operating income to assets | 0.8695% | 3,045 |
| Return on assets (ROA) | 0.8695% | 3,308 |
| Pretax return on assets | 1.2527% | 2,716 |
| Return on Equity (ROE) | 6.8029% | 3,883 |
| Retained earnings to average equity (ytd only) | -5.2376% | 6,631 |
| Net charge-offs to loans | 0.2865% | 2,890 |
| Credit loss provision to net charge-offs | 223.7288% | 1,269 |
| Earnings coverage of net charge-offs (x) | 9.1356% | 2,204 |
| Efficiency ratio | 61.9139% | 5,264 |
| Assets per employee ($millions) | 4.6513% | 2,635 |
| Cash dividends to net income (ytd only)* | 176.9912% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 3,430 |
| Loan loss allowance to noncurrent loans | 76.9011% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 2.3235% | 2,407 |
| Noncurrent loans to loans | 2.1447% | 2,772 |
| Net loans and leases to total assets | 61.5856% | 3,512 |
| Net loans and leases to deposits | 75.8815% | 3,010 |
| Net loans and leases to core deposits | 83.6804% | 2,736 |
| Total domestic deposits to total assets | 81.1602% | 5,411 |
| Equity capital to assets | 12.7109% | 1,679 |
| Core capital (leverage) ratio | 11.9567% | 1,621 |
| Tier 1 risk-based capital ratio | 18.5281% | 2,125 |
| Total risk-based capital ratio | 19.7569% | 2,086 |
| Memoranda: | ||
| Average total assets | $129,958,330 | 4,211 |
| Average earning assets | $115,204,670 | 4,288 |
| Average equity | $16,610,670 | 3,713 |
| Average total loans | $82,383,670 | 4,030 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 1,070 |
| Cost of funding earning assets | 0.4770% | 5,968 |
| Net interest margin | 4.8361% | 525 |
| Noninterest income to average assets | 0.6470% | 2,943 |
| Noninterest expense to average assets | 3.1551% | 2,745 |
| Loan and lease loss provision to assets | 0.3944% | 1,602 |
| Net operating income to assets | 0.9428% | 2,728 |
| Return on assets (ROA) | 0.9428% | 2,938 |
| Pretax return on assets | 1.3773% | 2,259 |
| Return on Equity (ROE) | 7.3562% | 3,581 |
| Retained earnings to average equity (ytd only) | -16.6837% | 7,001 |
| Net charge-offs to loans | 0.1159% | 3,422 |
| Credit loss provision to net charge-offs | 533.3333% | 627 |
| Earnings coverage of net charge-offs (x) | 23.9583% | 1,076 |
| Efficiency ratio | 60.4128% | 5,559 |
| Assets per employee ($millions) | 4.5520% | 2,895 |
| Cash dividends to net income (ytd only)* | 326.7974% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 3,737 |
| Loan loss allowance to noncurrent loans | 76.9185% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.6338% | 2,244 |
| Noncurrent loans to loans | 2.0746% | 3,058 |
| Net loans and leases to total assets | 63.0432% | 3,035 |
| Net loans and leases to deposits | 77.0233% | 2,671 |
| Net loans and leases to core deposits | 84.7919% | 2,436 |
| Total domestic deposits to total assets | 81.8496% | 5,346 |
| Equity capital to assets | 12.8106% | 1,538 |
| Core capital (leverage) ratio | 12.0510% | 1,557 |
| Tier 1 risk-based capital ratio | 18.6718% | 2,087 |
| Total risk-based capital ratio | 19.9264% | 2,055 |
| Memoranda: | ||
| Average total assets | $129,820,000 | 4,235 |
| Average earning assets | $114,886,500 | 4,312 |
| Average equity | $16,639,000 | 3,706 |
| Average total loans | $82,800,000 | 4,048 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 1,430 |
| Cost of funding earning assets | 0.6399% | 5,873 |
| Net interest margin | 4.7550% | 679 |
| Noninterest income to average assets | 0.7266% | 2,466 |
| Noninterest expense to average assets | 3.3008% | 2,520 |
| Loan and lease loss provision to assets | 0.2078% | 4,107 |
| Net operating income to assets | 1.0308% | 2,083 |
| Return on assets (ROA) | 1.0308% | 2,234 |
| Pretax return on assets | 1.5089% | 1,443 |
| Return on Equity (ROE) | 8.8667% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.8667% | 842 |
| Net charge-offs to loans | 0.3525% | 3,637 |
| Credit loss provision to net charge-offs | 89.6104% | 4,022 |
| Earnings coverage of net charge-offs (x) | 7.4026% | 2,342 |
| Efficiency ratio | 62.1699% | 5,433 |
| Assets per employee ($millions) | 4.7208% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 4,340 |
| Loan loss allowance to noncurrent loans | 66.4266% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.6478% | 2,299 |
| Noncurrent loans to loans | 2.1502% | 3,008 |
| Net loans and leases to total assets | 62.5988% | 3,491 |
| Net loans and leases to deposits | 78.3333% | 2,779 |
| Net loans and leases to core deposits | 86.2412% | 2,604 |
| Total domestic deposits to total assets | 79.9135% | 5,764 |
| Equity capital to assets | 12.8231% | 1,584 |
| Core capital (leverage) ratio | 12.1553% | 1,517 |
| Tier 1 risk-based capital ratio | 18.7724% | 1,966 |
| Total risk-based capital ratio | 20.0244% | 1,925 |
| Memoranda: | ||
| Average total assets | $132,815,800 | 4,110 |
| Average earning assets | $119,854,000 | 4,134 |
| Average equity | $15,439,800 | 3,831 |
| Average total loans | $87,383,800 | 3,924 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 1,511 |
| Cost of funding earning assets | 0.6678% | 5,947 |
| Net interest margin | 4.7302% | 710 |
| Noninterest income to average assets | 0.7330% | 2,400 |
| Noninterest expense to average assets | 3.3199% | 2,434 |
| Loan and lease loss provision to assets | 0.3229% | 2,950 |
| Net operating income to assets | 0.9465% | 2,543 |
| Return on assets (ROA) | 0.9465% | 2,711 |
| Pretax return on assets | 1.3797% | 2,008 |
| Return on Equity (ROE) | 8.3563% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.3563% | 1,370 |
| Net charge-offs to loans | 0.4125% | 3,080 |
| Credit loss provision to net charge-offs | 117.9487% | 2,766 |
| Earnings coverage of net charge-offs (x) | 6.2198% | 2,593 |
| Efficiency ratio | 62.4875% | 5,331 |
| Assets per employee ($millions) | 4.4786% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 4,062 |
| Loan loss allowance to noncurrent loans | 74.6208% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 2.6155% | 2,469 |
| Noncurrent loans to loans | 2.0184% | 3,342 |
| Net loans and leases to total assets | 64.3971% | 3,233 |
| Net loans and leases to deposits | 79.4292% | 2,736 |
| Net loans and leases to core deposits | 87.2366% | 2,597 |
| Total domestic deposits to total assets | 81.0748% | 5,410 |
| Equity capital to assets | 12.7980% | 1,718 |
| Core capital (leverage) ratio | 11.7326% | 1,867 |
| Tier 1 risk-based capital ratio | 18.2776% | 2,159 |
| Total risk-based capital ratio | 19.5309% | 2,120 |
| Memoranda: | ||
| Average total assets | $132,974,000 | 4,132 |
| Average earning assets | $120,583,500 | 4,138 |
| Average equity | $15,062,250 | 3,906 |
| Average total loans | $88,243,750 | 3,942 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3391% | 1,749 |
| Cost of funding earning assets | 0.6928% | 6,005 |
| Net interest margin | 4.6463% | 827 |
| Noninterest income to average assets | 0.7268% | 2,394 |
| Noninterest expense to average assets | 3.3342% | 2,454 |
| Loan and lease loss provision to assets | 0.3746% | 2,552 |
| Net operating income to assets | 0.8597% | 2,820 |
| Return on assets (ROA) | 0.8597% | 2,914 |
| Pretax return on assets | 1.2522% | 2,299 |
| Return on Equity (ROE) | 7.9217% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.9217% | 1,486 |
| Net charge-offs to loans | 0.3290% | 3,242 |
| Credit loss provision to net charge-offs | 170.7483% | 1,770 |
| Earnings coverage of net charge-offs (x) | 7.4150% | 2,226 |
| Efficiency ratio | 63.5379% | 5,330 |
| Assets per employee ($millions) | 4.5953% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 3,936 |
| Loan loss allowance to noncurrent loans | 61.9026% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.5521% | 2,619 |
| Noncurrent loans to loans | 2.4900% | 2,894 |
| Net loans and leases to total assets | 63.9418% | 3,475 |
| Net loans and leases to deposits | 77.7347% | 3,171 |
| Net loans and leases to core deposits | 85.6781% | 2,962 |
| Total domestic deposits to total assets | 82.2564% | 5,078 |
| Equity capital to assets | 11.2873% | 2,695 |
| Core capital (leverage) ratio | 10.4774% | 2,733 |
| Tier 1 risk-based capital ratio | 17.0527% | 2,497 |
| Total risk-based capital ratio | 18.3082% | 2,471 |
| Memoranda: | ||
| Average total assets | $134,005,330 | 4,146 |
| Average earning assets | $122,118,670 | 4,142 |
| Average equity | $14,542,330 | 4,000 |
| Average total loans | $89,352,330 | 3,956 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3059% | 1,851 |
| Cost of funding earning assets | 0.7505% | 5,856 |
| Net interest margin | 4.5554% | 949 |
| Noninterest income to average assets | 0.7025% | 2,563 |
| Noninterest expense to average assets | 3.3220% | 2,487 |
| Loan and lease loss provision to assets | 0.5358% | 1,621 |
| Net operating income to assets | 0.6936% | 3,536 |
| Return on assets (ROA) | 0.6936% | 3,605 |
| Pretax return on assets | 1.0002% | 3,129 |
| Return on Equity (ROE) | 6.5209% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.5209% | 2,364 |
| Net charge-offs to loans | 0.3570% | 2,633 |
| Credit loss provision to net charge-offs | 222.2222% | 1,362 |
| Earnings coverage of net charge-offs (x) | 6.3704% | 2,111 |
| Efficiency ratio | 64.6446% | 5,252 |
| Assets per employee ($millions) | 4.4936% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 4,353 |
| Loan loss allowance to noncurrent loans | 58.3845% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.7058% | 2,547 |
| Noncurrent loans to loans | 2.5150% | 2,971 |
| Net loans and leases to total assets | 68.4869% | 2,456 |
| Net loans and leases to deposits | 82.5843% | 2,256 |
| Net loans and leases to core deposits | 90.9868% | 2,242 |
| Total domestic deposits to total assets | 82.9297% | 4,958 |
| Equity capital to assets | 11.0809% | 2,611 |
| Core capital (leverage) ratio | 9.9903% | 3,152 |
| Tier 1 risk-based capital ratio | 16.0651% | 2,877 |
| Total risk-based capital ratio | 17.3205% | 2,849 |
| Memoranda: | ||
| Average total assets | $134,375,500 | 4,166 |
| Average earning assets | $122,580,000 | 4,170 |
| Average equity | $14,292,500 | 4,051 |
| Average total loans | $90,755,500 | 3,955 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 2,370 |
| Cost of funding earning assets | 1.0851% | 5,220 |
| Net interest margin | 4.3918% | 1,502 |
| Noninterest income to average assets | 0.7246% | 2,678 |
| Noninterest expense to average assets | 3.1181% | 3,391 |
| Loan and lease loss provision to assets | 0.4235% | 3,570 |
| Net operating income to assets | 0.7929% | 2,838 |
| Return on assets (ROA) | 0.7929% | 2,972 |
| Pretax return on assets | 1.1608% | 2,362 |
| Return on Equity (ROE) | 7.8839% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.8839% | 1,018 |
| Net charge-offs to loans | 1.2986% | 1,718 |
| Credit loss provision to net charge-offs | 47.0734% | 6,305 |
| Earnings coverage of net charge-offs (x) | 1.7609% | 4,398 |
| Efficiency ratio | 62.4290% | 5,652 |
| Assets per employee ($millions) | 4.6146% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,727 |
| Loan loss allowance to noncurrent loans | 69.3912% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.3527% | 2,917 |
| Noncurrent loans to loans | 1.9509% | 3,630 |
| Net loans and leases to total assets | 64.7963% | 3,712 |
| Net loans and leases to deposits | 80.9928% | 2,993 |
| Net loans and leases to core deposits | 89.0572% | 2,889 |
| Total domestic deposits to total assets | 80.0025% | 5,833 |
| Equity capital to assets | 10.2176% | 3,480 |
| Core capital (leverage) ratio | 9.6914% | 3,441 |
| Tier 1 risk-based capital ratio | 15.3521% | 3,071 |
| Total risk-based capital ratio | 16.6052% | 3,028 |
| Memoranda: | ||
| Average total assets | $134,824,400 | 4,161 |
| Average earning assets | $122,112,800 | 4,186 |
| Average equity | $13,559,200 | 4,245 |
| Average total loans | $93,410,200 | 3,970 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5671% | 2,187 |
| Cost of funding earning assets | 1.1528% | 5,129 |
| Net interest margin | 4.4143% | 1,483 |
| Noninterest income to average assets | 0.7347% | 2,609 |
| Noninterest expense to average assets | 3.1610% | 3,065 |
| Loan and lease loss provision to assets | 0.4938% | 2,998 |
| Net operating income to assets | 0.7337% | 3,265 |
| Return on assets (ROA) | 0.7337% | 3,426 |
| Pretax return on assets | 1.0712% | 2,922 |
| Return on Equity (ROE) | 7.3262% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.3262% | 1,687 |
| Net charge-offs to loans | 1.4534% | 1,398 |
| Credit loss provision to net charge-offs | 48.3902% | 5,909 |
| Earnings coverage of net charge-offs (x) | 1.5337% | 4,576 |
| Efficiency ratio | 63.0082% | 5,431 |
| Assets per employee ($millions) | 4.5064% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,135 |
| Loan loss allowance to noncurrent loans | 151.6930% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.9375% | 3,556 |
| Noncurrent loans to loans | 0.9652% | 5,306 |
| Net loans and leases to total assets | 69.2155% | 2,933 |
| Net loans and leases to deposits | 86.0927% | 2,318 |
| Net loans and leases to core deposits | 95.2198% | 2,352 |
| Total domestic deposits to total assets | 80.3965% | 5,581 |
| Equity capital to assets | 10.7127% | 3,277 |
| Core capital (leverage) ratio | 9.4468% | 3,992 |
| Tier 1 risk-based capital ratio | 15.1097% | 3,199 |
| Total risk-based capital ratio | 16.3648% | 3,177 |
| Memoranda: | ||
| Average total assets | $133,921,250 | 4,232 |
| Average earning assets | $121,089,500 | 4,260 |
| Average equity | $13,412,750 | 4,346 |
| Average total loans | $94,029,500 | 4,018 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 2,464 |
| Cost of funding earning assets | 1.2032% | 5,118 |
| Net interest margin | 4.3097% | 1,737 |
| Noninterest income to average assets | 0.7259% | 2,544 |
| Noninterest expense to average assets | 3.1185% | 3,225 |
| Loan and lease loss provision to assets | 0.6533% | 2,204 |
| Net operating income to assets | 0.5867% | 3,928 |
| Return on assets (ROA) | 0.5867% | 4,071 |
| Pretax return on assets | 0.8489% | 3,710 |
| Return on Equity (ROE) | 5.9923% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.9923% | 2,331 |
| Net charge-offs to loans | 1.9837% | 921 |
| Credit loss provision to net charge-offs | 46.9149% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.0787% | 4,718 |
| Efficiency ratio | 63.6101% | 5,410 |
| Assets per employee ($millions) | 4.6425% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,108 |
| Loan loss allowance to noncurrent loans | 93.7244% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9343% | 3,571 |
| Noncurrent loans to loans | 1.5604% | 4,374 |
| Net loans and leases to total assets | 66.4699% | 3,740 |
| Net loans and leases to deposits | 84.6309% | 2,763 |
| Net loans and leases to core deposits | 94.3094% | 2,670 |
| Total domestic deposits to total assets | 78.5410% | 6,144 |
| Equity capital to assets | 9.7735% | 4,310 |
| Core capital (leverage) ratio | 9.1571% | 4,366 |
| Tier 1 risk-based capital ratio | 14.0739% | 3,679 |
| Total risk-based capital ratio | 15.3225% | 3,643 |
| Memoranda: | ||
| Average total assets | $134,999,670 | 4,241 |
| Average earning assets | $122,005,000 | 4,271 |
| Average equity | $13,217,000 | 4,390 |
| Average total loans | $94,773,000 | 4,045 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5448% | 2,384 |
| Cost of funding earning assets | 1.2388% | 5,181 |
| Net interest margin | 4.3060% | 1,673 |
| Noninterest income to average assets | 0.6352% | 3,041 |
| Noninterest expense to average assets | 3.0618% | 3,425 |
| Loan and lease loss provision to assets | 1.0868% | 1,132 |
| Net operating income to assets | 0.2770% | 5,388 |
| Return on assets (ROA) | 0.2770% | 5,516 |
| Pretax return on assets | 0.3793% | 5,355 |
| Return on Equity (ROE) | 2.8265% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.8265% | 4,440 |
| Net charge-offs to loans | 3.8326% | 357 |
| Credit loss provision to net charge-offs | 39.5833% | 4,649 |
| Earnings coverage of net charge-offs (x) | 0.5340% | 4,558 |
| Efficiency ratio | 63.6968% | 5,547 |
| Assets per employee ($millions) | 4.3930% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,519 |
| Loan loss allowance to noncurrent loans | 65.8695% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.3955% | 3,036 |
| Noncurrent loans to loans | 2.0948% | 3,664 |
| Net loans and leases to total assets | 71.6931% | 2,524 |
| Net loans and leases to deposits | 90.5228% | 1,828 |
| Net loans and leases to core deposits | 101.3624% | 1,988 |
| Total domestic deposits to total assets | 79.1989% | 6,027 |
| Equity capital to assets | 9.9233% | 3,952 |
| Core capital (leverage) ratio | 9.0663% | 4,444 |
| Tier 1 risk-based capital ratio | 13.4275% | 4,034 |
| Total risk-based capital ratio | 14.6808% | 3,992 |
| Memoranda: | ||
| Average total assets | $132,862,000 | 4,343 |
| Average earning assets | $120,112,500 | 4,369 |
| Average equity | $13,019,500 | 4,468 |
| Average total loans | $95,184,500 | 4,097 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5786% | 3,709 |
| Cost of funding earning assets | 1.5762% | 5,149 |
| Net interest margin | 4.0024% | 2,851 |
| Noninterest income to average assets | 0.5793% | 3,793 |
| Noninterest expense to average assets | 14.5650% | 63 |
| Loan and lease loss provision to assets | 1.1957% | 1,925 |
| Net operating income to assets | -11.4549% | 7,985 |
| Return on assets (ROA) | -11.4549% | 7,985 |
| Pretax return on assets | -11.7602% | 7,984 |
| Return on Equity (ROE) | -80.3544% | 7,866 |
| Retained earnings to average equity (ytd only) | -87.8791% | 7,892 |
| Net charge-offs to loans | 0.5586% | 3,547 |
| Credit loss provision to net charge-offs | 294.8854% | 1,133 |
| Earnings coverage of net charge-offs (x) | -26.0547% | 7,199 |
| Efficiency ratio | 69.5745% | 4,720 |
| Assets per employee ($millions) | 4.4644% | 2,989 |
| Cash dividends to net income (ytd only)* | -9.3645% | 7,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 2,076 |
| Loan loss allowance to noncurrent loans | 47.9273% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 3.0978% | 2,243 |
| Noncurrent loans to loans | 4.1327% | 1,776 |
| Net loans and leases to total assets | 69.2055% | 3,435 |
| Net loans and leases to deposits | 84.9765% | 3,094 |
| Net loans and leases to core deposits | 104.2058% | 3,551 |
| Total domestic deposits to total assets | 81.4407% | 5,177 |
| Equity capital to assets | 9.6772% | 4,169 |
| Core capital (leverage) ratio | 8.7414% | 4,855 |
| Tier 1 risk-based capital ratio | 13.3694% | 3,903 |
| Total risk-based capital ratio | 14.6307% | 3,837 |
| Memoranda: | ||
| Average total assets | $139,835,600 | 4,129 |
| Average earning assets | $119,527,600 | 4,325 |
| Average equity | $19,934,200 | 3,212 |
| Average total loans | $101,504,000 | 3,908 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 3,570 |
| Cost of funding earning assets | 1.6230% | 5,293 |
| Net interest margin | 4.0279% | 2,692 |
| Noninterest income to average assets | 0.5595% | 4,014 |
| Noninterest expense to average assets | 18.2505% | 55 |
| Loan and lease loss provision to assets | 1.3323% | 1,451 |
| Net operating income to assets | -15.2001% | 8,078 |
| Return on assets (ROA) | -15.2001% | 8,079 |
| Pretax return on assets | -15.6303% | 8,081 |
| Return on Equity (ROE) | -99.0864% | 8,011 |
| Retained earnings to average equity (ytd only) | -108.3124% | 8,024 |
| Net charge-offs to loans | 0.4288% | 3,540 |
| Credit loss provision to net charge-offs | 425.3012% | 934 |
| Earnings coverage of net charge-offs (x) | -45.6441% | 6,959 |
| Efficiency ratio | 69.9690% | 4,597 |
| Assets per employee ($millions) | 4.4171% | 3,001 |
| Cash dividends to net income (ytd only)* | -9.3110% | 7,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 1,984 |
| Loan loss allowance to noncurrent loans | 46.1193% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.2676% | 2,071 |
| Noncurrent loans to loans | 4.1587% | 1,746 |
| Net loans and leases to total assets | 71.3175% | 3,192 |
| Net loans and leases to deposits | 85.8450% | 3,347 |
| Net loans and leases to core deposits | 107.5877% | 3,520 |
| Total domestic deposits to total assets | 83.0771% | 4,183 |
| Equity capital to assets | 9.7598% | 4,409 |
| Core capital (leverage) ratio | 8.8321% | 4,927 |
| Tier 1 risk-based capital ratio | 13.2782% | 4,000 |
| Total risk-based capital ratio | 14.5391% | 3,943 |
| Memoranda: | ||
| Average total assets | $141,311,250 | 4,108 |
| Average earning assets | $119,034,500 | 4,365 |
| Average equity | $21,677,500 | 3,014 |
| Average total loans | $103,239,500 | 3,898 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6683% | 3,724 |
| Cost of funding earning assets | 1.6477% | 5,526 |
| Net interest margin | 4.0206% | 2,613 |
| Noninterest income to average assets | 0.5075% | 4,382 |
| Noninterest expense to average assets | 25.4125% | 52 |
| Loan and lease loss provision to assets | 1.9578% | 832 |
| Net operating income to assets | -22.7420% | 8,180 |
| Return on assets (ROA) | -22.7420% | 8,178 |
| Pretax return on assets | -23.5573% | 8,177 |
| Return on Equity (ROE) | -133.3912% | 8,115 |
| Retained earnings to average equity (ytd only) | -145.5901% | 8,121 |
| Net charge-offs to loans | 0.3525% | 3,423 |
| Credit loss provision to net charge-offs | 759.1398% | 618 |
| Earnings coverage of net charge-offs (x) | -83.7527% | 6,611 |
| Efficiency ratio | 72.0727% | 4,397 |
| Assets per employee ($millions) | 3.5865% | 4,605 |
| Cash dividends to net income (ytd only)* | -9.1452% | 7,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 1,581 |
| Loan loss allowance to noncurrent loans | 45.3079% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 3.5591% | 1,749 |
| Noncurrent loans to loans | 4.3944% | 1,475 |
| Net loans and leases to total assets | 73.9685% | 2,707 |
| Net loans and leases to deposits | 90.6511% | 2,725 |
| Net loans and leases to core deposits | 105.4771% | 3,903 |
| Total domestic deposits to total assets | 81.5970% | 4,860 |
| Equity capital to assets | 9.5184% | 4,590 |
| Core capital (leverage) ratio | 7.5138% | 6,992 |
| Tier 1 risk-based capital ratio | 12.3198% | 4,658 |
| Total risk-based capital ratio | 13.5820% | 4,572 |
| Memoranda: | ||
| Average total assets | $144,244,000 | 4,099 |
| Average earning assets | $118,590,330 | 4,401 |
| Average equity | $24,592,330 | 2,679 |
| Average total loans | $105,535,000 | 3,872 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7102% | 3,751 |
| Cost of funding earning assets | 1.6662% | 5,754 |
| Net interest margin | 4.0440% | 2,472 |
| Noninterest income to average assets | 0.6693% | 3,079 |
| Noninterest expense to average assets | 2.8397% | 4,381 |
| Loan and lease loss provision to assets | 0.8852% | 1,478 |
| Net operating income to assets | 0.1866% | 5,695 |
| Return on assets (ROA) | 0.1866% | 5,869 |
| Pretax return on assets | 0.2320% | 5,868 |
| Return on Equity (ROE) | 0.9158% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.9158% | 5,287 |
| Net charge-offs to loans | 0.3696% | 2,616 |
| Credit loss provision to net charge-offs | 332.0000% | 1,504 |
| Earnings coverage of net charge-offs (x) | 4.1900% | 2,952 |
| Efficiency ratio | 71.7655% | 4,229 |
| Assets per employee ($millions) | 3.6410% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 6,547 |
| Loan loss allowance to noncurrent loans | 29.7177% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 2.5536% | 2,249 |
| Noncurrent loans to loans | 3.1657% | 2,043 |
| Net loans and leases to total assets | 72.2995% | 3,178 |
| Net loans and leases to deposits | 101.9322% | 1,181 |
| Net loans and leases to core deposits | 121.1466% | 2,320 |
| Total domestic deposits to total assets | 70.9290% | 7,336 |
| Equity capital to assets | 21.0196% | 364 |
| Core capital (leverage) ratio | 9.7411% | 3,695 |
| Tier 1 risk-based capital ratio | 14.0353% | 3,567 |
| Total risk-based capital ratio | 15.1294% | 3,579 |
| Memoranda: | ||
| Average total assets | $150,015,500 | 4,011 |
| Average earning assets | $121,957,000 | 4,331 |
| Average equity | $30,573,000 | 2,222 |
| Average total loans | $108,227,000 | 3,829 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5084% | 2,917 |
| Cost of funding earning assets | 2.0963% | 6,068 |
| Net interest margin | 4.4121% | 1,654 |
| Noninterest income to average assets | 0.6089% | 3,781 |
| Noninterest expense to average assets | 2.7812% | 4,905 |
| Loan and lease loss provision to assets | 0.2292% | 4,598 |
| Net operating income to assets | 0.7883% | 3,488 |
| Return on assets (ROA) | 0.7883% | 3,325 |
| Pretax return on assets | 1.1399% | 2,876 |
| Return on Equity (ROE) | 3.9689% | 4,836 |
| Retained earnings to average equity (ytd only) | -2.6240% | 6,019 |
| Net charge-offs to loans | 0.2473% | 3,801 |
| Credit loss provision to net charge-offs | 136.1868% | 3,914 |
| Earnings coverage of net charge-offs (x) | 8.1362% | 2,933 |
| Efficiency ratio | 60.6089% | 6,242 |
| Assets per employee ($millions) | 3.3563% | 5,076 |
| Cash dividends to net income (ytd only)* | 166.1130% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6972% | 7,432 |
| Loan loss allowance to noncurrent loans | 44.7031% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 3,552 |
| Noncurrent loans to loans | 1.5596% | 3,454 |
| Net loans and leases to total assets | 70.8519% | 3,826 |
| Net loans and leases to deposits | 101.9773% | 1,592 |
| Net loans and leases to core deposits | 118.6934% | 2,815 |
| Total domestic deposits to total assets | 69.4781% | 7,333 |
| Equity capital to assets | 19.7764% | 480 |
| Core capital (leverage) ratio | 9.4485% | 4,092 |
| Tier 1 risk-based capital ratio | 13.3288% | 3,910 |
| Total risk-based capital ratio | 14.1370% | 4,098 |
| Memoranda: | ||
| Average total assets | $152,737,200 | 3,854 |
| Average earning assets | $122,595,200 | 4,203 |
| Average equity | $30,335,600 | 2,234 |
| Average total loans | $103,914,800 | 3,850 |