Home > 1st Century Bank > Performance and Condition Ratios
1st Century Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,458 |
| Cost of funding earning assets | 0.1117% | 5,801 |
| Net interest margin | 3.8314% | 2,207 |
| Noninterest income to average assets | 0.1071% | 5,755 |
| Noninterest expense to average assets | 3.4458% | 1,276 |
| Loan and lease loss provision to assets | 0.1074% | 2,068 |
| Net operating income to assets | 0.1482% | 5,613 |
| Return on assets (ROA) | 0.1482% | 5,659 |
| Pretax return on assets | 0.2567% | 5,552 |
| Return on Equity (ROE) | 1.6884% | 5,577 |
| Retained earnings to average equity (ytd only) | 1.6884% | 4,708 |
| Net charge-offs to loans | 0.0321% | 2,817 |
| Credit loss provision to net charge-offs | 404.0404% | 770 |
| Earnings coverage of net charge-offs (x) | 13.6970% | 2,106 |
| Efficiency ratio | 90.4433% | 584 |
| Assets per employee ($millions) | 9.6608% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 2,098 |
| Loan loss allowance to noncurrent loans | 1,513.3987% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 5,204 |
| Noncurrent loans to loans | 0.0952% | 5,070 |
| Net loans and leases to total assets | 82.9799% | 518 |
| Net loans and leases to deposits | 99.1272% | 771 |
| Net loans and leases to core deposits | 104.1687% | 1,305 |
| Total domestic deposits to total assets | 83.7105% | 3,381 |
| Equity capital to assets | 8.6894% | 5,491 |
| Core capital (leverage) ratio | 8.5641% | 5,302 |
| Tier 1 risk-based capital ratio | 9.4275% | 5,962 |
| Total risk-based capital ratio | 10.6793% | 5,944 |
| Memoranda: | ||
| Average total assets | $744,858,000 | 973 |
| Average earning assets | $719,847,670 | 926 |
| Average equity | $65,386,670 | 1,201 |
| Average total loans | $616,728,000 | 806 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 3,496 |
| Cost of funding earning assets | 0.1102% | 5,866 |
| Net interest margin | 3.8125% | 2,249 |
| Noninterest income to average assets | 0.1082% | 5,795 |
| Noninterest expense to average assets | 3.4194% | 1,345 |
| Loan and lease loss provision to assets | 0.1087% | 1,906 |
| Net operating income to assets | 0.1533% | 5,609 |
| Return on assets (ROA) | 0.1533% | 5,662 |
| Pretax return on assets | 0.2670% | 5,558 |
| Return on Equity (ROE) | 1.7375% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.7375% | 4,574 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1003% | 670 |
| Assets per employee ($millions) | 9.2431% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,969 |
| Loan loss allowance to noncurrent loans | 1,286.6573% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 5,192 |
| Noncurrent loans to loans | 0.1169% | 5,010 |
| Net loans and leases to total assets | 81.1444% | 668 |
| Net loans and leases to deposits | 91.5420% | 1,399 |
| Net loans and leases to core deposits | 104.1213% | 1,185 |
| Total domestic deposits to total assets | 88.6418% | 1,286 |
| Equity capital to assets | 8.8512% | 5,298 |
| Core capital (leverage) ratio | 9.1398% | 4,676 |
| Tier 1 risk-based capital ratio | 9.8727% | 5,935 |
| Total risk-based capital ratio | 11.1253% | 5,906 |
| Memoranda: | ||
| Average total assets | $735,684,500 | 985 |
| Average earning assets | $711,449,000 | 937 |
| Average equity | $64,921,000 | 1,201 |
| Average total loans | $603,807,500 | 819 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6818% | 4,423 |
| Cost of funding earning assets | 0.1090% | 5,927 |
| Net interest margin | 3.5728% | 3,236 |
| Noninterest income to average assets | 0.0894% | 5,906 |
| Noninterest expense to average assets | 2.6768% | 3,664 |
| Loan and lease loss provision to assets | 0.1998% | 1,074 |
| Net operating income to assets | 0.3827% | 5,101 |
| Return on assets (ROA) | 0.3899% | 5,163 |
| Pretax return on assets | 0.6845% | 4,573 |
| Return on Equity (ROE) | 4.3011% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.3011% | 2,918 |
| Net charge-offs to loans | -0.0071% | 5,035 |
| Credit loss provision to net charge-offs | -3,581.0811% | 5,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4068% | 2,368 |
| Assets per employee ($millions) | 9.1490% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 2,021 |
| Loan loss allowance to noncurrent loans | 1,258.5674% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 5,229 |
| Noncurrent loans to loans | 0.1190% | 5,020 |
| Net loans and leases to total assets | 80.5377% | 771 |
| Net loans and leases to deposits | 98.4615% | 786 |
| Net loans and leases to core deposits | 111.3804% | 801 |
| Total domestic deposits to total assets | 81.7961% | 4,226 |
| Equity capital to assets | 8.7977% | 5,308 |
| Core capital (leverage) ratio | 8.9225% | 4,979 |
| Tier 1 risk-based capital ratio | 10.0176% | 5,950 |
| Total risk-based capital ratio | 11.2700% | 5,891 |
| Memoranda: | ||
| Average total assets | $663,004,000 | 1,034 |
| Average earning assets | $642,130,400 | 987 |
| Average equity | $60,101,000 | 1,262 |
| Average total loans | $517,869,200 | 903 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6696% | 4,522 |
| Cost of funding earning assets | 0.1094% | 6,022 |
| Net interest margin | 3.5602% | 3,301 |
| Noninterest income to average assets | 0.1010% | 5,963 |
| Noninterest expense to average assets | 2.7326% | 3,454 |
| Loan and lease loss provision to assets | 0.2118% | 915 |
| Net operating income to assets | 0.3429% | 5,334 |
| Return on assets (ROA) | 0.3528% | 5,393 |
| Pretax return on assets | 0.6198% | 4,925 |
| Return on Equity (ROE) | 3.8602% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.8602% | 3,720 |
| Net charge-offs to loans | -0.0038% | 4,781 |
| Credit loss provision to net charge-offs | -7,328.5714% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0014% | 2,093 |
| Assets per employee ($millions) | 9.7299% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 1,874 |
| Loan loss allowance to noncurrent loans | 1,213.3427% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 5,350 |
| Noncurrent loans to loans | 0.1297% | 5,114 |
| Net loans and leases to total assets | 75.0675% | 1,534 |
| Net loans and leases to deposits | 84.2714% | 2,378 |
| Net loans and leases to core deposits | 93.5239% | 2,127 |
| Total domestic deposits to total assets | 89.0783% | 993 |
| Equity capital to assets | 8.4168% | 5,751 |
| Core capital (leverage) ratio | 8.6841% | 5,369 |
| Tier 1 risk-based capital ratio | 10.1343% | 6,003 |
| Total risk-based capital ratio | 11.3873% | 5,946 |
| Memoranda: | ||
| Average total assets | $645,774,750 | 1,068 |
| Average earning assets | $625,380,750 | 1,016 |
| Average equity | $59,028,250 | 1,286 |
| Average total loans | $497,728,250 | 944 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 4,443 |
| Cost of funding earning assets | 0.1104% | 6,091 |
| Net interest margin | 3.5767% | 3,180 |
| Noninterest income to average assets | 0.0847% | 6,077 |
| Noninterest expense to average assets | 2.8585% | 3,034 |
| Loan and lease loss provision to assets | 0.2335% | 786 |
| Net operating income to assets | 0.2567% | 5,562 |
| Return on assets (ROA) | 0.2721% | 5,609 |
| Pretax return on assets | 0.4798% | 5,278 |
| Return on Equity (ROE) | 2.8887% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.8887% | 4,203 |
| Net charge-offs to loans | 0.0004% | 3,886 |
| Credit loss provision to net charge-offs | 72,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 2,140.0000% | 23 |
| Efficiency ratio | 80.5737% | 1,681 |
| Assets per employee ($millions) | 8.9362% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,904 |
| Loan loss allowance to noncurrent loans | 1,168.9607% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 5,429 |
| Noncurrent loans to loans | 0.1372% | 5,196 |
| Net loans and leases to total assets | 77.2356% | 1,172 |
| Net loans and leases to deposits | 87.3912% | 1,899 |
| Net loans and leases to core deposits | 98.6808% | 1,593 |
| Total domestic deposits to total assets | 88.3792% | 1,450 |
| Equity capital to assets | 8.9433% | 5,289 |
| Core capital (leverage) ratio | 9.2353% | 4,639 |
| Tier 1 risk-based capital ratio | 10.5294% | 5,909 |
| Total risk-based capital ratio | 11.7829% | 5,856 |
| Memoranda: | ||
| Average total assets | $621,028,670 | 1,113 |
| Average earning assets | $601,280,330 | 1,056 |
| Average equity | $58,503,670 | 1,299 |
| Average total loans | $480,592,670 | 972 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 4,798 |
| Cost of funding earning assets | 0.1080% | 6,173 |
| Net interest margin | 3.4534% | 3,617 |
| Noninterest income to average assets | 0.1032% | 6,068 |
| Noninterest expense to average assets | 3.0175% | 2,526 |
| Loan and lease loss provision to assets | 0.0998% | 2,027 |
| Net operating income to assets | 0.1804% | 5,722 |
| Return on assets (ROA) | 0.2123% | 5,746 |
| Pretax return on assets | 0.3774% | 5,475 |
| Return on Equity (ROE) | 2.1930% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.1930% | 4,588 |
| Net charge-offs to loans | -0.0139% | 4,878 |
| Credit loss provision to net charge-offs | -937.5000% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5942% | 1,047 |
| Assets per employee ($millions) | 8.5642% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 1,978 |
| Loan loss allowance to noncurrent loans | 1,228.6392% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 5,540 |
| Noncurrent loans to loans | 0.1317% | 5,307 |
| Net loans and leases to total assets | 76.5614% | 1,128 |
| Net loans and leases to deposits | 87.7125% | 1,646 |
| Net loans and leases to core deposits | 98.5040% | 1,429 |
| Total domestic deposits to total assets | 87.2868% | 2,221 |
| Equity capital to assets | 9.5059% | 4,745 |
| Core capital (leverage) ratio | 9.7728% | 3,927 |
| Tier 1 risk-based capital ratio | 11.2885% | 5,668 |
| Total risk-based capital ratio | 12.5424% | 5,573 |
| Memoranda: | ||
| Average total assets | $600,904,500 | 1,151 |
| Average earning assets | $581,463,500 | 1,092 |
| Average equity | $58,185,500 | 1,315 |
| Average total loans | $461,357,000 | 1,006 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5313% | 5,246 |
| Cost of funding earning assets | 0.1388% | 6,161 |
| Net interest margin | 3.3925% | 4,231 |
| Noninterest income to average assets | 0.0946% | 6,170 |
| Noninterest expense to average assets | 2.7895% | 3,521 |
| Loan and lease loss provision to assets | 0.0178% | 4,256 |
| Net operating income to assets | 0.3018% | 5,509 |
| Return on assets (ROA) | 0.4357% | 5,179 |
| Pretax return on assets | 0.7735% | 4,354 |
| Return on Equity (ROE) | 4.4442% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.4442% | 3,017 |
| Net charge-offs to loans | -0.0647% | 6,012 |
| Credit loss provision to net charge-offs | -38.0228% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7348% | 1,561 |
| Assets per employee ($millions) | 8.2421% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,733 |
| Loan loss allowance to noncurrent loans | 1,202.3734% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 5,608 |
| Noncurrent loans to loans | 0.1427% | 5,322 |
| Net loans and leases to total assets | 74.3789% | 1,520 |
| Net loans and leases to deposits | 85.8317% | 2,005 |
| Net loans and leases to core deposits | 98.1591% | 1,538 |
| Total domestic deposits to total assets | 86.6566% | 2,481 |
| Equity capital to assets | 9.8696% | 4,271 |
| Core capital (leverage) ratio | 9.4041% | 4,376 |
| Tier 1 risk-based capital ratio | 11.8713% | 5,445 |
| Total risk-based capital ratio | 13.1261% | 5,353 |
| Memoranda: | ||
| Average total assets | $563,284,400 | 1,174 |
| Average earning assets | $544,108,000 | 1,111 |
| Average equity | $55,217,600 | 1,324 |
| Average total loans | $406,781,600 | 1,079 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4824% | 5,437 |
| Cost of funding earning assets | 0.1398% | 6,240 |
| Net interest margin | 3.3425% | 4,459 |
| Noninterest income to average assets | 0.0939% | 6,269 |
| Noninterest expense to average assets | 2.7650% | 3,588 |
| Loan and lease loss provision to assets | 0.0239% | 3,928 |
| Net operating income to assets | 0.2999% | 5,580 |
| Return on assets (ROA) | 0.4501% | 5,149 |
| Pretax return on assets | 0.7675% | 4,475 |
| Return on Equity (ROE) | 4.5996% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.5996% | 3,363 |
| Net charge-offs to loans | -0.0808% | 6,075 |
| Credit loss provision to net charge-offs | -41.4938% | 5,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2410% | 1,470 |
| Assets per employee ($millions) | 8.8478% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 1,673 |
| Loan loss allowance to noncurrent loans | 1,156.7939% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 5,716 |
| Noncurrent loans to loans | 0.1564% | 5,438 |
| Net loans and leases to total assets | 70.4075% | 2,132 |
| Net loans and leases to deposits | 82.1771% | 2,401 |
| Net loans and leases to core deposits | 94.0053% | 1,861 |
| Total domestic deposits to total assets | 85.6777% | 3,027 |
| Equity capital to assets | 9.5574% | 4,723 |
| Core capital (leverage) ratio | 9.6039% | 4,237 |
| Tier 1 risk-based capital ratio | 11.9935% | 5,489 |
| Total risk-based capital ratio | 13.2494% | 5,404 |
| Memoranda: | ||
| Average total assets | $557,808,250 | 1,203 |
| Average earning assets | $538,660,750 | 1,131 |
| Average equity | $54,583,000 | 1,347 |
| Average total loans | $397,763,000 | 1,106 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4853% | 5,441 |
| Cost of funding earning assets | 0.1430% | 6,307 |
| Net interest margin | 3.3422% | 4,432 |
| Noninterest income to average assets | 0.1100% | 6,244 |
| Noninterest expense to average assets | 2.8185% | 3,434 |
| Loan and lease loss provision to assets | 0.0364% | 3,565 |
| Net operating income to assets | 0.2648% | 5,678 |
| Return on assets (ROA) | 0.4480% | 5,102 |
| Pretax return on assets | 0.7667% | 4,395 |
| Return on Equity (ROE) | 4.5410% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.5410% | 3,284 |
| Net charge-offs to loans | -0.0159% | 5,459 |
| Credit loss provision to net charge-offs | -322.5806% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5037% | 1,442 |
| Assets per employee ($millions) | 8.5290% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 1,878 |
| Loan loss allowance to noncurrent loans | 1,007.7975% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 5,762 |
| Noncurrent loans to loans | 0.1771% | 5,485 |
| Net loans and leases to total assets | 73.1163% | 1,559 |
| Net loans and leases to deposits | 85.9221% | 1,823 |
| Net loans and leases to core deposits | 97.3708% | 1,487 |
| Total domestic deposits to total assets | 85.0961% | 3,458 |
| Equity capital to assets | 9.9480% | 4,179 |
| Core capital (leverage) ratio | 9.8394% | 3,829 |
| Tier 1 risk-based capital ratio | 12.2129% | 5,409 |
| Total risk-based capital ratio | 13.4687% | 5,326 |
| Memoranda: | ||
| Average total assets | $549,091,670 | 1,219 |
| Average earning assets | $529,888,330 | 1,152 |
| Average equity | $54,173,670 | 1,339 |
| Average total loans | $390,775,000 | 1,123 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4366% | 5,570 |
| Cost of funding earning assets | 0.1454% | 6,378 |
| Net interest margin | 3.2912% | 4,581 |
| Noninterest income to average assets | 0.0820% | 6,386 |
| Noninterest expense to average assets | 2.9090% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1940% | 5,818 |
| Return on assets (ROA) | 0.3126% | 5,496 |
| Pretax return on assets | 0.5395% | 5,048 |
| Return on Equity (ROE) | 3.1815% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.1815% | 4,220 |
| Net charge-offs to loans | -0.0169% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1431% | 1,115 |
| Assets per employee ($millions) | 8.4053% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9284% | 1,675 |
| Loan loss allowance to noncurrent loans | 922.6463% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 5,769 |
| Noncurrent loans to loans | 0.2090% | 5,470 |
| Net loans and leases to total assets | 66.4824% | 2,487 |
| Net loans and leases to deposits | 78.2406% | 2,518 |
| Net loans and leases to core deposits | 88.5195% | 2,040 |
| Total domestic deposits to total assets | 84.9718% | 3,882 |
| Equity capital to assets | 9.7427% | 4,174 |
| Core capital (leverage) ratio | 9.6283% | 4,096 |
| Tier 1 risk-based capital ratio | 12.9847% | 5,014 |
| Total risk-based capital ratio | 14.2422% | 4,937 |
| Memoranda: | ||
| Average total assets | $546,445,000 | 1,235 |
| Average earning assets | $528,191,000 | 1,162 |
| Average equity | $53,685,500 | 1,351 |
| Average total loans | $379,806,000 | 1,160 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4439% | 5,748 |
| Cost of funding earning assets | 0.1635% | 6,478 |
| Net interest margin | 3.2804% | 4,738 |
| Noninterest income to average assets | 0.1902% | 5,948 |
| Noninterest expense to average assets | 2.7427% | 3,935 |
| Loan and lease loss provision to assets | 0.0196% | 4,747 |
| Net operating income to assets | 1.2025% | 1,558 |
| Return on assets (ROA) | 1.3635% | 1,149 |
| Pretax return on assets | 0.7642% | 4,284 |
| Return on Equity (ROE) | 13.5682% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.5682% | 217 |
| Net charge-offs to loans | -0.3466% | 6,690 |
| Credit loss provision to net charge-offs | -8.9206% | 5,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4948% | 1,949 |
| Assets per employee ($millions) | 8.5419% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 1,811 |
| Loan loss allowance to noncurrent loans | 983.1522% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,859 |
| Noncurrent loans to loans | 0.1919% | 5,619 |
| Net loans and leases to total assets | 69.9284% | 2,022 |
| Net loans and leases to deposits | 82.7388% | 2,106 |
| Net loans and leases to core deposits | 95.0441% | 1,527 |
| Total domestic deposits to total assets | 84.5170% | 3,959 |
| Equity capital to assets | 9.9088% | 3,888 |
| Core capital (leverage) ratio | 9.3244% | 4,512 |
| Tier 1 risk-based capital ratio | 12.4271% | 5,336 |
| Total risk-based capital ratio | 13.6841% | 5,272 |
| Memoranda: | ||
| Average total assets | $510,454,400 | 1,302 |
| Average earning assets | $494,090,600 | 1,232 |
| Average equity | $51,296,600 | 1,385 |
| Average total loans | $323,407,200 | 1,321 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 5,916 |
| Cost of funding earning assets | 0.1666% | 6,567 |
| Net interest margin | 3.2171% | 4,940 |
| Noninterest income to average assets | 0.2373% | 5,738 |
| Noninterest expense to average assets | 2.6807% | 4,091 |
| Loan and lease loss provision to assets | -0.0794% | 6,594 |
| Net operating income to assets | 1.5919% | 759 |
| Return on assets (ROA) | 1.7786% | 572 |
| Pretax return on assets | 0.9371% | 3,733 |
| Return on Equity (ROE) | 17.6330% | 473 |
| Retained earnings to average equity (ytd only) | 17.6330% | 116 |
| Net charge-offs to loans | -0.4843% | 6,771 |
| Credit loss provision to net charge-offs | 26.7857% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9810% | 2,103 |
| Assets per employee ($millions) | 8.7262% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 1,954 |
| Loan loss allowance to noncurrent loans | 918.6828% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 5,968 |
| Noncurrent loans to loans | 0.2086% | 5,720 |
| Net loans and leases to total assets | 65.7283% | 2,683 |
| Net loans and leases to deposits | 77.8708% | 2,688 |
| Net loans and leases to core deposits | 90.2898% | 1,940 |
| Total domestic deposits to total assets | 84.4069% | 4,022 |
| Equity capital to assets | 10.0246% | 3,869 |
| Core capital (leverage) ratio | 9.7778% | 3,995 |
| Tier 1 risk-based capital ratio | 12.7966% | 5,258 |
| Total risk-based capital ratio | 14.0531% | 5,194 |
| Memoranda: | ||
| Average total assets | $503,533,250 | 1,334 |
| Average earning assets | $487,460,750 | 1,264 |
| Average equity | $50,790,000 | 1,404 |
| Average total loans | $308,372,000 | 1,374 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 5,881 |
| Cost of funding earning assets | 0.1722% | 6,615 |
| Net interest margin | 3.2387% | 4,808 |
| Noninterest income to average assets | 0.2676% | 5,539 |
| Noninterest expense to average assets | 2.7258% | 3,942 |
| Loan and lease loss provision to assets | -0.2025% | 6,785 |
| Net operating income to assets | 2.1695% | 277 |
| Return on assets (ROA) | 2.3861% | 206 |
| Pretax return on assets | 1.0993% | 3,098 |
| Return on Equity (ROE) | 23.6036% | 151 |
| Retained earnings to average equity (ytd only) | 23.6036% | 57 |
| Net charge-offs to loans | -0.7562% | 6,852 |
| Credit loss provision to net charge-offs | 45.2489% | 3,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0285% | 2,150 |
| Assets per employee ($millions) | 8.1551% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 1,586 |
| Loan loss allowance to noncurrent loans | 593.7220% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 5,748 |
| Noncurrent loans to loans | 0.3570% | 5,388 |
| Net loans and leases to total assets | 62.4824% | 3,201 |
| Net loans and leases to deposits | 74.9628% | 3,020 |
| Net loans and leases to core deposits | 89.7276% | 1,932 |
| Total domestic deposits to total assets | 83.3512% | 4,567 |
| Equity capital to assets | 10.6970% | 3,061 |
| Core capital (leverage) ratio | 10.1276% | 3,324 |
| Tier 1 risk-based capital ratio | 13.5086% | 4,768 |
| Total risk-based capital ratio | 14.7660% | 4,715 |
| Memoranda: | ||
| Average total assets | $493,944,670 | 1,350 |
| Average earning assets | $478,652,330 | 1,284 |
| Average equity | $49,933,000 | 1,434 |
| Average total loans | $292,260,670 | 1,443 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3922% | 5,960 |
| Cost of funding earning assets | 0.1693% | 6,733 |
| Net interest margin | 3.2228% | 4,838 |
| Noninterest income to average assets | 0.2886% | 5,389 |
| Noninterest expense to average assets | 2.6115% | 4,366 |
| Loan and lease loss provision to assets | -0.4030% | 6,938 |
| Net operating income to assets | 1.1792% | 1,585 |
| Return on assets (ROA) | 1.1792% | 1,695 |
| Pretax return on assets | 1.2098% | 2,534 |
| Return on Equity (ROE) | 12.0093% | 1,425 |
| Retained earnings to average equity (ytd only) | 12.0093% | 704 |
| Net charge-offs to loans | -1.5648% | 6,946 |
| Credit loss provision to net charge-offs | 45.2899% | 2,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3971% | 2,865 |
| Assets per employee ($millions) | 9.4882% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2229% | 1,542 |
| Loan loss allowance to noncurrent loans | 721.8103% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 5,954 |
| Noncurrent loans to loans | 0.3080% | 5,630 |
| Net loans and leases to total assets | 59.0092% | 3,605 |
| Net loans and leases to deposits | 70.0392% | 3,474 |
| Net loans and leases to core deposits | 82.4233% | 2,519 |
| Total domestic deposits to total assets | 84.2517% | 4,374 |
| Equity capital to assets | 10.0272% | 4,117 |
| Core capital (leverage) ratio | 9.7748% | 3,691 |
| Tier 1 risk-based capital ratio | 13.1475% | 5,110 |
| Total risk-based capital ratio | 14.4055% | 5,054 |
| Memoranda: | ||
| Average total assets | $496,265,000 | 1,360 |
| Average earning assets | $481,934,500 | 1,288 |
| Average equity | $48,729,000 | 1,485 |
| Average total loans | $282,216,500 | 1,507 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 6,445 |
| Cost of funding earning assets | 0.2206% | 6,776 |
| Net interest margin | 3.2132% | 5,538 |
| Noninterest income to average assets | 0.4337% | 4,363 |
| Noninterest expense to average assets | 2.8447% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6689% | 3,893 |
| Return on assets (ROA) | 0.6689% | 4,163 |
| Pretax return on assets | 0.6934% | 4,686 |
| Return on Equity (ROE) | 6.6295% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.6295% | 1,751 |
| Net charge-offs to loans | -0.3028% | 6,978 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4028% | 2,100 |
| Assets per employee ($millions) | 8.9133% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2556% | 1,449 |
| Loan loss allowance to noncurrent loans | 144.7653% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 4,345 |
| Noncurrent loans to loans | 1.5581% | 3,280 |
| Net loans and leases to total assets | 52.2206% | 4,898 |
| Net loans and leases to deposits | 62.3789% | 4,741 |
| Net loans and leases to core deposits | 72.7951% | 3,938 |
| Total domestic deposits to total assets | 83.7151% | 4,433 |
| Equity capital to assets | 9.6135% | 4,724 |
| Core capital (leverage) ratio | 9.2221% | 4,540 |
| Tier 1 risk-based capital ratio | 14.0278% | 4,367 |
| Total risk-based capital ratio | 15.2858% | 4,316 |
| Memoranda: | ||
| Average total assets | $453,297,600 | 1,453 |
| Average earning assets | $437,944,400 | 1,377 |
| Average equity | $45,735,000 | 1,523 |
| Average total loans | $241,453,200 | 1,706 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3933% | 6,635 |
| Cost of funding earning assets | 0.2306% | 6,872 |
| Net interest margin | 3.1627% | 5,792 |
| Noninterest income to average assets | 0.3808% | 4,776 |
| Noninterest expense to average assets | 2.7789% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6334% | 4,224 |
| Return on assets (ROA) | 0.6334% | 4,476 |
| Pretax return on assets | 0.6515% | 5,006 |
| Return on Equity (ROE) | 6.1954% | 4,234 |
| Retained earnings to average equity (ytd only) | 6.1954% | 2,568 |
| Net charge-offs to loans | 0.2285% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.3573% | 3,043 |
| Efficiency ratio | 81.0081% | 1,935 |
| Assets per employee ($millions) | 9.1220% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 2,105 |
| Loan loss allowance to noncurrent loans | 76.7574% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 3,554 |
| Noncurrent loans to loans | 2.6351% | 2,154 |
| Net loans and leases to total assets | 49.8456% | 5,328 |
| Net loans and leases to deposits | 59.3959% | 5,273 |
| Net loans and leases to core deposits | 69.7907% | 4,520 |
| Total domestic deposits to total assets | 83.9209% | 4,257 |
| Equity capital to assets | 9.9839% | 4,519 |
| Core capital (leverage) ratio | 9.4874% | 4,287 |
| Tier 1 risk-based capital ratio | 14.4284% | 4,230 |
| Total risk-based capital ratio | 15.6834% | 4,198 |
| Memoranda: | ||
| Average total assets | $441,836,000 | 1,506 |
| Average earning assets | $426,043,750 | 1,432 |
| Average equity | $45,172,500 | 1,555 |
| Average total loans | $235,148,750 | 1,758 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 6,661 |
| Cost of funding earning assets | 0.2393% | 6,946 |
| Net interest margin | 3.2169% | 5,685 |
| Noninterest income to average assets | 0.3879% | 4,741 |
| Noninterest expense to average assets | 2.8264% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6459% | 4,132 |
| Return on assets (ROA) | 0.6459% | 4,384 |
| Pretax return on assets | 0.6622% | 4,939 |
| Return on Equity (ROE) | 6.2641% | 4,178 |
| Retained earnings to average equity (ytd only) | 6.2641% | 2,524 |
| Net charge-offs to loans | 0.3587% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.4139% | 3,380 |
| Efficiency ratio | 81.0189% | 2,025 |
| Assets per employee ($millions) | 8.7400% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0596% | 2,087 |
| Loan loss allowance to noncurrent loans | 72.8880% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 3,453 |
| Noncurrent loans to loans | 2.8257% | 2,118 |
| Net loans and leases to total assets | 50.9141% | 5,237 |
| Net loans and leases to deposits | 60.6990% | 5,172 |
| Net loans and leases to core deposits | 71.6395% | 4,332 |
| Total domestic deposits to total assets | 83.8796% | 4,358 |
| Equity capital to assets | 9.9938% | 4,347 |
| Core capital (leverage) ratio | 9.7742% | 3,753 |
| Tier 1 risk-based capital ratio | 14.5683% | 4,053 |
| Total risk-based capital ratio | 15.8239% | 4,014 |
| Memoranda: | ||
| Average total assets | $431,000,330 | 1,545 |
| Average earning assets | $415,432,330 | 1,466 |
| Average equity | $44,444,000 | 1,571 |
| Average total loans | $233,091,670 | 1,768 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 6,688 |
| Cost of funding earning assets | 0.2396% | 7,034 |
| Net interest margin | 3.2675% | 5,583 |
| Noninterest income to average assets | 0.3311% | 5,212 |
| Noninterest expense to average assets | 2.8736% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5906% | 4,387 |
| Return on assets (ROA) | 0.5906% | 4,605 |
| Pretax return on assets | 0.6058% | 5,096 |
| Return on Equity (ROE) | 5.6329% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.6329% | 3,178 |
| Net charge-offs to loans | -0.0069% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5884% | 1,863 |
| Assets per employee ($millions) | 8.4983% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2990% | 1,677 |
| Loan loss allowance to noncurrent loans | 72.5975% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.6806% | 3,340 |
| Noncurrent loans to loans | 3.1668% | 2,029 |
| Net loans and leases to total assets | 51.8495% | 5,042 |
| Net loans and leases to deposits | 62.1509% | 4,893 |
| Net loans and leases to core deposits | 74.6436% | 3,811 |
| Total domestic deposits to total assets | 83.4252% | 4,744 |
| Equity capital to assets | 10.2397% | 3,800 |
| Core capital (leverage) ratio | 10.1785% | 3,138 |
| Tier 1 risk-based capital ratio | 16.0832% | 3,132 |
| Total risk-based capital ratio | 17.3433% | 3,093 |
| Memoranda: | ||
| Average total assets | $419,260,000 | 1,588 |
| Average earning assets | $403,973,000 | 1,506 |
| Average equity | $43,956,000 | 1,579 |
| Average total loans | $231,507,000 | 1,780 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 6,939 |
| Cost of funding earning assets | 0.2721% | 7,147 |
| Net interest margin | 3.3144% | 5,764 |
| Noninterest income to average assets | 0.1696% | 6,275 |
| Noninterest expense to average assets | 2.8839% | 4,024 |
| Loan and lease loss provision to assets | 0.0773% | 5,645 |
| Net operating income to assets | 0.3608% | 5,028 |
| Return on assets (ROA) | 0.3614% | 5,194 |
| Pretax return on assets | 0.3813% | 5,347 |
| Return on Equity (ROE) | 3.0386% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.0386% | 4,067 |
| Net charge-offs to loans | 0.1409% | 5,020 |
| Credit loss provision to net charge-offs | 100.3650% | 3,483 |
| Earnings coverage of net charge-offs (x) | 5.9453% | 2,636 |
| Efficiency ratio | 86.2925% | 1,523 |
| Assets per employee ($millions) | 8.2675% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2678% | 1,680 |
| Loan loss allowance to noncurrent loans | 69.4532% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.8780% | 3,145 |
| Noncurrent loans to loans | 3.2652% | 1,983 |
| Net loans and leases to total assets | 56.2122% | 4,664 |
| Net loans and leases to deposits | 68.2127% | 4,408 |
| Net loans and leases to core deposits | 82.4520% | 3,118 |
| Total domestic deposits to total assets | 82.4072% | 4,996 |
| Equity capital to assets | 10.7458% | 3,254 |
| Core capital (leverage) ratio | 10.5365% | 2,679 |
| Tier 1 risk-based capital ratio | 16.0643% | 3,012 |
| Total risk-based capital ratio | 17.3248% | 2,965 |
| Memoranda: | ||
| Average total assets | $355,598,600 | 1,823 |
| Average earning assets | $340,366,200 | 1,745 |
| Average equity | $42,289,200 | 1,591 |
| Average total loans | $194,478,000 | 2,090 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6325% | 6,991 |
| Cost of funding earning assets | 0.2821% | 7,237 |
| Net interest margin | 3.3505% | 5,717 |
| Noninterest income to average assets | 0.2226% | 6,027 |
| Noninterest expense to average assets | 3.0141% | 3,504 |
| Loan and lease loss provision to assets | 0.1068% | 5,103 |
| Net operating income to assets | 0.3042% | 5,380 |
| Return on assets (ROA) | 0.3049% | 5,553 |
| Pretax return on assets | 0.3049% | 5,694 |
| Return on Equity (ROE) | 2.4933% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.4933% | 4,874 |
| Net charge-offs to loans | 0.2250% | 4,031 |
| Credit loss provision to net charge-offs | 88.1410% | 3,845 |
| Earnings coverage of net charge-offs (x) | 3.3910% | 3,454 |
| Efficiency ratio | 88.0005% | 1,343 |
| Assets per employee ($millions) | 8.7354% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8375% | 997 |
| Loan loss allowance to noncurrent loans | 79.0298% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.8654% | 3,313 |
| Noncurrent loans to loans | 3.5904% | 1,914 |
| Net loans and leases to total assets | 46.7366% | 6,078 |
| Net loans and leases to deposits | 54.7813% | 6,136 |
| Net loans and leases to core deposits | 63.9985% | 5,609 |
| Total domestic deposits to total assets | 85.3150% | 3,604 |
| Equity capital to assets | 11.2733% | 2,888 |
| Core capital (leverage) ratio | 11.1042% | 2,311 |
| Tier 1 risk-based capital ratio | 18.8878% | 1,969 |
| Total risk-based capital ratio | 20.1531% | 1,933 |
| Memoranda: | ||
| Average total assets | $343,221,250 | 1,895 |
| Average earning assets | $328,064,500 | 1,812 |
| Average equity | $41,978,500 | 1,606 |
| Average total loans | $184,846,500 | 2,201 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 6,998 |
| Cost of funding earning assets | 0.2736% | 7,342 |
| Net interest margin | 3.4467% | 5,381 |
| Noninterest income to average assets | 0.2391% | 5,936 |
| Noninterest expense to average assets | 3.1447% | 3,100 |
| Loan and lease loss provision to assets | 0.1669% | 4,264 |
| Net operating income to assets | 0.2234% | 5,651 |
| Return on assets (ROA) | 0.2246% | 5,768 |
| Pretax return on assets | 0.2246% | 5,873 |
| Return on Equity (ROE) | 1.7819% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.7819% | 5,102 |
| Net charge-offs to loans | 0.5129% | 2,562 |
| Credit loss provision to net charge-offs | 58.0169% | 4,392 |
| Earnings coverage of net charge-offs (x) | 1.3565% | 4,265 |
| Efficiency ratio | 88.9595% | 1,324 |
| Assets per employee ($millions) | 7.6856% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7232% | 1,154 |
| Loan loss allowance to noncurrent loans | 72.5871% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.1729% | 3,019 |
| Noncurrent loans to loans | 3.7517% | 1,870 |
| Net loans and leases to total assets | 50.2753% | 5,788 |
| Net loans and leases to deposits | 59.2364% | 5,802 |
| Net loans and leases to core deposits | 70.6958% | 4,989 |
| Total domestic deposits to total assets | 84.8723% | 3,934 |
| Equity capital to assets | 11.6747% | 2,345 |
| Core capital (leverage) ratio | 11.8270% | 1,702 |
| Tier 1 risk-based capital ratio | 18.9893% | 1,853 |
| Total risk-based capital ratio | 20.2513% | 1,810 |
| Memoranda: | ||
| Average total assets | $329,509,000 | 1,977 |
| Average earning assets | $315,081,330 | 1,889 |
| Average equity | $41,528,000 | 1,616 |
| Average total loans | $184,834,670 | 2,224 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 6,839 |
| Cost of funding earning assets | 0.2582% | 7,429 |
| Net interest margin | 3.6269% | 4,452 |
| Noninterest income to average assets | 0.2602% | 5,808 |
| Noninterest expense to average assets | 3.2252% | 2,797 |
| Loan and lease loss provision to assets | 0.2551% | 3,106 |
| Net operating income to assets | 0.2372% | 5,653 |
| Return on assets (ROA) | 0.2372% | 5,721 |
| Pretax return on assets | 0.2372% | 5,844 |
| Return on Equity (ROE) | 1.8056% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.8056% | 5,036 |
| Net charge-offs to loans | 0.0152% | 4,867 |
| Credit loss provision to net charge-offs | 2,857.1429% | 139 |
| Earnings coverage of net charge-offs (x) | 55.1429% | 533 |
| Efficiency ratio | 86.7581% | 1,635 |
| Assets per employee ($millions) | 7.5945% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9047% | 1,000 |
| Loan loss allowance to noncurrent loans | 69.9361% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 2.7197% | 2,532 |
| Noncurrent loans to loans | 4.1534% | 1,730 |
| Net loans and leases to total assets | 57.3858% | 4,736 |
| Net loans and leases to deposits | 66.8512% | 4,853 |
| Net loans and leases to core deposits | 81.5657% | 3,518 |
| Total domestic deposits to total assets | 85.8410% | 3,617 |
| Equity capital to assets | 12.9523% | 1,402 |
| Core capital (leverage) ratio | 12.9381% | 1,140 |
| Tier 1 risk-based capital ratio | 18.1517% | 2,067 |
| Total risk-based capital ratio | 19.4178% | 2,029 |
| Memoranda: | ||
| Average total assets | $313,651,000 | 2,077 |
| Average earning assets | $298,989,500 | 1,998 |
| Average equity | $41,206,000 | 1,619 |
| Average total loans | $183,906,500 | 2,259 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 7,100 |
| Cost of funding earning assets | 0.3619% | 7,460 |
| Net interest margin | 3.6836% | 4,427 |
| Noninterest income to average assets | 0.3166% | 5,530 |
| Noninterest expense to average assets | 3.4227% | 2,372 |
| Loan and lease loss provision to assets | 0.9749% | 1,660 |
| Net operating income to assets | -0.6053% | 6,452 |
| Return on assets (ROA) | -0.5899% | 6,471 |
| Pretax return on assets | -0.5899% | 6,392 |
| Return on Equity (ROE) | -3.9401% | 6,352 |
| Retained earnings to average equity (ytd only) | -3.9401% | 6,197 |
| Net charge-offs to loans | 1.7080% | 1,265 |
| Credit loss provision to net charge-offs | 93.4658% | 4,968 |
| Earnings coverage of net charge-offs (x) | 0.3543% | 5,750 |
| Efficiency ratio | 90.2538% | 1,303 |
| Assets per employee ($millions) | 7.5203% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9466% | 909 |
| Loan loss allowance to noncurrent loans | 74.1994% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.5833% | 2,698 |
| Noncurrent loans to loans | 3.9712% | 1,834 |
| Net loans and leases to total assets | 56.4361% | 5,268 |
| Net loans and leases to deposits | 66.6154% | 5,319 |
| Net loans and leases to core deposits | 84.2835% | 3,557 |
| Total domestic deposits to total assets | 84.7193% | 3,988 |
| Equity capital to assets | 13.3292% | 1,247 |
| Core capital (leverage) ratio | 12.8755% | 1,172 |
| Tier 1 risk-based capital ratio | 18.8950% | 1,745 |
| Total risk-based capital ratio | 20.1613% | 1,708 |
| Memoranda: | ||
| Average total assets | $284,630,600 | 2,248 |
| Average earning assets | $268,566,800 | 2,192 |
| Average equity | $42,613,400 | 1,558 |
| Average total loans | $173,827,600 | 2,423 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 7,187 |
| Cost of funding earning assets | 0.3852% | 7,580 |
| Net interest margin | 3.7287% | 4,275 |
| Noninterest income to average assets | 0.2956% | 5,771 |
| Noninterest expense to average assets | 3.4315% | 2,204 |
| Loan and lease loss provision to assets | 0.0957% | 6,066 |
| Net operating income to assets | 0.2741% | 5,262 |
| Return on assets (ROA) | 0.2952% | 5,358 |
| Pretax return on assets | 0.2952% | 5,526 |
| Return on Equity (ROE) | 1.9135% | 5,638 |
| Retained earnings to average equity (ytd only) | 1.9135% | 4,999 |
| Net charge-offs to loans | 0.8953% | 2,208 |
| Credit loss provision to net charge-offs | 17.2712% | 6,272 |
| Earnings coverage of net charge-offs (x) | 0.6675% | 5,377 |
| Efficiency ratio | 90.2718% | 1,267 |
| Assets per employee ($millions) | 7.4683% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6719% | 1,113 |
| Loan loss allowance to noncurrent loans | 54.2562% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.8929% | 2,510 |
| Noncurrent loans to loans | 4.9246% | 1,422 |
| Net loans and leases to total assets | 55.1038% | 5,678 |
| Net loans and leases to deposits | 66.0946% | 5,659 |
| Net loans and leases to core deposits | 84.4082% | 3,885 |
| Total domestic deposits to total assets | 83.3710% | 4,428 |
| Equity capital to assets | 14.5870% | 997 |
| Core capital (leverage) ratio | 14.8795% | 737 |
| Tier 1 risk-based capital ratio | 20.9509% | 1,367 |
| Total risk-based capital ratio | 22.2143% | 1,337 |
| Memoranda: | ||
| Average total assets | $278,705,500 | 2,325 |
| Average earning assets | $262,032,500 | 2,274 |
| Average equity | $42,992,250 | 1,550 |
| Average total loans | $172,461,250 | 2,483 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 7,114 |
| Cost of funding earning assets | 0.4132% | 7,646 |
| Net interest margin | 3.8379% | 3,722 |
| Noninterest income to average assets | 0.2904% | 5,825 |
| Noninterest expense to average assets | 3.5621% | 1,880 |
| Loan and lease loss provision to assets | 0.0735% | 6,212 |
| Net operating income to assets | 0.2536% | 5,365 |
| Return on assets (ROA) | 0.2860% | 5,384 |
| Pretax return on assets | 0.2860% | 5,537 |
| Return on Equity (ROE) | 1.8179% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.8179% | 4,957 |
| Net charge-offs to loans | 0.7271% | 2,403 |
| Credit loss provision to net charge-offs | 15.8479% | 5,886 |
| Earnings coverage of net charge-offs (x) | 0.7052% | 5,036 |
| Efficiency ratio | 91.5879% | 1,215 |
| Assets per employee ($millions) | 6.5181% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9776% | 832 |
| Loan loss allowance to noncurrent loans | 57.2304% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 3.0841% | 2,302 |
| Noncurrent loans to loans | 5.2028% | 1,312 |
| Net loans and leases to total assets | 57.5120% | 5,486 |
| Net loans and leases to deposits | 71.6851% | 5,043 |
| Net loans and leases to core deposits | 92.8441% | 2,866 |
| Total domestic deposits to total assets | 80.2286% | 5,660 |
| Equity capital to assets | 15.4689% | 776 |
| Core capital (leverage) ratio | 16.0685% | 558 |
| Tier 1 risk-based capital ratio | 21.6029% | 1,255 |
| Total risk-based capital ratio | 22.8703% | 1,234 |
| Memoranda: | ||
| Average total assets | $272,030,330 | 2,399 |
| Average earning assets | $255,090,330 | 2,350 |
| Average equity | $42,797,670 | 1,551 |
| Average total loans | $173,571,330 | 2,496 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 7,016 |
| Cost of funding earning assets | 0.4508% | 7,736 |
| Net interest margin | 3.9336% | 3,180 |
| Noninterest income to average assets | 0.3419% | 5,404 |
| Noninterest expense to average assets | 3.7536% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2882% | 5,339 |
| Return on assets (ROA) | 0.2882% | 5,474 |
| Pretax return on assets | 0.2882% | 5,643 |
| Return on Equity (ROE) | 1.8157% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.8157% | 5,028 |
| Net charge-offs to loans | -0.0541% | 7,366 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8703% | 1,215 |
| Assets per employee ($millions) | 6.5921% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1847% | 702 |
| Loan loss allowance to noncurrent loans | 59.7913% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 3.4898% | 2,017 |
| Noncurrent loans to loans | 5.3263% | 1,328 |
| Net loans and leases to total assets | 63.4335% | 4,442 |
| Net loans and leases to deposits | 80.5288% | 3,547 |
| Net loans and leases to core deposits | 104.7213% | 1,683 |
| Total domestic deposits to total assets | 78.7712% | 6,135 |
| Equity capital to assets | 16.2278% | 641 |
| Core capital (leverage) ratio | 15.8857% | 602 |
| Tier 1 risk-based capital ratio | 20.3464% | 1,456 |
| Total risk-based capital ratio | 21.6150% | 1,418 |
| Memoranda: | ||
| Average total assets | $267,906,000 | 2,493 |
| Average earning assets | $251,983,000 | 2,424 |
| Average equity | $42,518,500 | 1,576 |
| Average total loans | $177,286,500 | 2,512 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 6,870 |
| Cost of funding earning assets | 0.5574% | 7,795 |
| Net interest margin | 4.2779% | 1,787 |
| Noninterest income to average assets | 0.3961% | 5,232 |
| Noninterest expense to average assets | 3.5851% | 2,185 |
| Loan and lease loss provision to assets | 2.3782% | 852 |
| Net operating income to assets | -2.8126% | 7,355 |
| Return on assets (ROA) | -2.8122% | 7,362 |
| Pretax return on assets | -1.5388% | 6,728 |
| Return on Equity (ROE) | -15.1514% | 6,945 |
| Retained earnings to average equity (ytd only) | -15.1514% | 6,895 |
| Net charge-offs to loans | 3.0281% | 695 |
| Credit loss provision to net charge-offs | 105.2326% | 5,263 |
| Earnings coverage of net charge-offs (x) | 0.3712% | 5,741 |
| Efficiency ratio | 81.0360% | 2,742 |
| Assets per employee ($millions) | 6.3286% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0131% | 768 |
| Loan loss allowance to noncurrent loans | 55.3557% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 3.6365% | 1,830 |
| Noncurrent loans to loans | 5.4431% | 1,198 |
| Net loans and leases to total assets | 64.7963% | 4,418 |
| Net loans and leases to deposits | 83.3884% | 3,381 |
| Net loans and leases to core deposits | 123.6468% | 1,665 |
| Total domestic deposits to total assets | 77.7042% | 6,302 |
| Equity capital to assets | 15.5247% | 782 |
| Core capital (leverage) ratio | 15.3285% | 717 |
| Tier 1 risk-based capital ratio | 19.5262% | 1,561 |
| Total risk-based capital ratio | 20.7941% | 1,513 |
| Memoranda: | ||
| Average total assets | $258,764,800 | 2,533 |
| Average earning assets | $243,649,200 | 2,470 |
| Average equity | $48,028,600 | 1,403 |
| Average total loans | $193,125,600 | 2,363 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 6,738 |
| Cost of funding earning assets | 0.5524% | 7,913 |
| Net interest margin | 4.4066% | 1,425 |
| Noninterest income to average assets | 0.4045% | 5,242 |
| Noninterest expense to average assets | 3.6065% | 2,018 |
| Loan and lease loss provision to assets | 1.2283% | 1,582 |
| Net operating income to assets | -2.0024% | 7,318 |
| Return on assets (ROA) | -2.0019% | 7,320 |
| Pretax return on assets | -0.2819% | 6,081 |
| Return on Equity (ROE) | -10.3351% | 6,920 |
| Retained earnings to average equity (ytd only) | -10.3351% | 6,838 |
| Net charge-offs to loans | 1.3329% | 1,535 |
| Credit loss provision to net charge-offs | 120.1123% | 4,224 |
| Earnings coverage of net charge-offs (x) | 0.9250% | 5,132 |
| Efficiency ratio | 79.2226% | 2,962 |
| Assets per employee ($millions) | 5.9979% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9507% | 690 |
| Loan loss allowance to noncurrent loans | 37.8691% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 5.6989% | 976 |
| Noncurrent loans to loans | 7.7918% | 642 |
| Net loans and leases to total assets | 70.9817% | 3,275 |
| Net loans and leases to deposits | 94.6000% | 1,779 |
| Net loans and leases to core deposits | 146.8700% | 661 |
| Total domestic deposits to total assets | 75.0335% | 6,769 |
| Equity capital to assets | 17.7632% | 533 |
| Core capital (leverage) ratio | 17.4338% | 505 |
| Tier 1 risk-based capital ratio | 20.0628% | 1,546 |
| Total risk-based capital ratio | 21.3293% | 1,491 |
| Memoranda: | ||
| Average total assets | $255,424,000 | 2,564 |
| Average earning assets | $240,419,500 | 2,511 |
| Average equity | $49,474,000 | 1,381 |
| Average total loans | $195,955,250 | 2,360 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 6,669 |
| Cost of funding earning assets | 0.5376% | 8,026 |
| Net interest margin | 4.4951% | 1,178 |
| Noninterest income to average assets | 0.3614% | 5,626 |
| Noninterest expense to average assets | 3.6536% | 1,941 |
| Loan and lease loss provision to assets | 0.5083% | 2,993 |
| Net operating income to assets | 0.2847% | 4,966 |
| Return on assets (ROA) | 0.2922% | 5,037 |
| Pretax return on assets | 0.4674% | 4,728 |
| Return on Equity (ROE) | 1.4676% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.4676% | 4,509 |
| Net charge-offs to loans | 1.0948% | 1,656 |
| Credit loss provision to net charge-offs | 59.5764% | 5,598 |
| Earnings coverage of net charge-offs (x) | 1.1298% | 4,677 |
| Efficiency ratio | 79.1256% | 3,174 |
| Assets per employee ($millions) | 5.8350% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4332% | 958 |
| Loan loss allowance to noncurrent loans | 49.5291% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 3.9654% | 1,507 |
| Noncurrent loans to loans | 4.9128% | 1,262 |
| Net loans and leases to total assets | 77.4389% | 1,871 |
| Net loans and leases to deposits | 106.8166% | 721 |
| Net loans and leases to core deposits | 159.7255% | 457 |
| Total domestic deposits to total assets | 72.4971% | 7,189 |
| Equity capital to assets | 20.2161% | 364 |
| Core capital (leverage) ratio | 18.4849% | 457 |
| Tier 1 risk-based capital ratio | 20.6077% | 1,461 |
| Total risk-based capital ratio | 21.8687% | 1,419 |
| Memoranda: | ||
| Average total assets | $254,595,330 | 2,584 |
| Average earning assets | $241,062,670 | 2,511 |
| Average equity | $50,694,330 | 1,351 |
| Average total loans | $198,395,330 | 2,369 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 6,875 |
| Cost of funding earning assets | 0.5428% | 8,080 |
| Net interest margin | 4.4808% | 1,171 |
| Noninterest income to average assets | 0.3347% | 5,780 |
| Noninterest expense to average assets | 3.6768% | 1,696 |
| Loan and lease loss provision to assets | 0.4210% | 2,818 |
| Net operating income to assets | 0.2930% | 5,324 |
| Return on assets (ROA) | 0.2930% | 5,495 |
| Pretax return on assets | 0.4889% | 5,110 |
| Return on Equity (ROE) | 1.4824% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.4824% | 5,020 |
| Net charge-offs to loans | 2.2981% | 632 |
| Credit loss provision to net charge-offs | 23.7185% | 5,031 |
| Earnings coverage of net charge-offs (x) | 0.5126% | 4,577 |
| Efficiency ratio | 80.1614% | 2,791 |
| Assets per employee ($millions) | 6.1790% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1394% | 1,163 |
| Loan loss allowance to noncurrent loans | 92.5232% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.8507% | 3,142 |
| Noncurrent loans to loans | 2.3122% | 2,841 |
| Net loans and leases to total assets | 75.6863% | 2,348 |
| Net loans and leases to deposits | 116.3053% | 382 |
| Net loans and leases to core deposits | 168.6509% | 366 |
| Total domestic deposits to total assets | 65.0755% | 7,787 |
| Equity capital to assets | 19.0899% | 481 |
| Core capital (leverage) ratio | 18.2506% | 527 |
| Tier 1 risk-based capital ratio | 20.1358% | 1,602 |
| Total risk-based capital ratio | 21.3939% | 1,551 |
| Memoranda: | ||
| Average total assets | $259,357,000 | 2,555 |
| Average earning assets | $246,118,500 | 2,485 |
| Average equity | $51,269,500 | 1,338 |
| Average total loans | $200,336,000 | 2,365 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8962% | 6,053 |
| Cost of funding earning assets | 1.1882% | 7,955 |
| Net interest margin | 4.7080% | 954 |
| Noninterest income to average assets | 0.2242% | 6,839 |
| Noninterest expense to average assets | 3.8296% | 1,702 |
| Loan and lease loss provision to assets | 1.7383% | 740 |
| Net operating income to assets | -0.4966% | 6,922 |
| Return on assets (ROA) | -0.4912% | 6,795 |
| Pretax return on assets | -0.8603% | 6,916 |
| Return on Equity (ROE) | -2.1267% | 6,527 |
| Retained earnings to average equity (ytd only) | -2.1267% | 5,909 |
| Net charge-offs to loans | 0.8205% | 1,527 |
| Credit loss provision to net charge-offs | 282.1313% | 1,617 |
| Earnings coverage of net charge-offs (x) | 1.4113% | 5,416 |
| Efficiency ratio | 81.4960% | 2,375 |
| Assets per employee ($millions) | 6.1713% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5866% | 622 |
| Loan loss allowance to noncurrent loans | 90.8644% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.2585% | 2,159 |
| Noncurrent loans to loans | 2.8466% | 1,901 |
| Net loans and leases to total assets | 75.1503% | 2,846 |
| Net loans and leases to deposits | 123.1367% | 318 |
| Net loans and leases to core deposits | 183.1736% | 256 |
| Total domestic deposits to total assets | 61.0300% | 7,927 |
| Equity capital to assets | 20.4468% | 440 |
| Core capital (leverage) ratio | 19.7261% | 456 |
| Tier 1 risk-based capital ratio | 21.3522% | 1,414 |
| Total risk-based capital ratio | 22.6146% | 1,373 |
| Memoranda: | ||
| Average total assets | $249,791,200 | 2,567 |
| Average earning assets | $237,425,200 | 2,477 |
| Average equity | $57,694,000 | 1,159 |
| Average total loans | $187,568,000 | 2,425 |