Home > Bank of Commerce > Performance and Condition Ratios
Bank of Commerce, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 2,296 |
| Cost of funding earning assets | 0.2417% | 4,974 |
| Net interest margin | 4.0412% | 1,580 |
| Noninterest income to average assets | 1.5928% | 501 |
| Noninterest expense to average assets | 3.6332% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0454% | 2,242 |
| Return on assets (ROA) | 1.0681% | 2,230 |
| Pretax return on assets | 1.7190% | 1,054 |
| Return on Equity (ROE) | 10.0682% | 2,078 |
| Retained earnings to average equity (ytd only) | 8.0951% | 1,213 |
| Net charge-offs to loans | -0.0470% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3367% | 3,478 |
| Assets per employee ($millions) | 3.2659% | 5,181 |
| Cash dividends to net income (ytd only)* | 19.5980% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 4,929 |
| Loan loss allowance to noncurrent loans | 198.0663% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 4,287 |
| Noncurrent loans to loans | 0.4861% | 3,899 |
| Net loans and leases to total assets | 75.2799% | 1,498 |
| Net loans and leases to deposits | 87.0089% | 2,025 |
| Net loans and leases to core deposits | 92.1536% | 2,246 |
| Total domestic deposits to total assets | 86.5198% | 2,271 |
| Equity capital to assets | 11.0266% | 2,994 |
| Core capital (leverage) ratio | 10.8707% | 2,618 |
| Tier 1 risk-based capital ratio | 13.9003% | 3,906 |
| Total risk-based capital ratio | 14.8228% | 4,024 |
| Memoranda: | ||
| Average total assets | $198,719,250 | 2,983 |
| Average earning assets | $183,107,250 | 2,995 |
| Average equity | $21,082,250 | 3,088 |
| Average total loans | $144,560,750 | 2,687 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,125 |
| Cost of funding earning assets | 0.2420% | 5,032 |
| Net interest margin | 4.0712% | 1,442 |
| Noninterest income to average assets | 1.4726% | 587 |
| Noninterest expense to average assets | 3.1897% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2603% | 1,425 |
| Return on assets (ROA) | 1.2603% | 1,481 |
| Pretax return on assets | 2.0246% | 569 |
| Return on Equity (ROE) | 12.0341% | 1,361 |
| Retained earnings to average equity (ytd only) | 9.0495% | 905 |
| Net charge-offs to loans | 0.0755% | 2,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 37.4259% | 1,182 |
| Efficiency ratio | 61.1720% | 4,803 |
| Assets per employee ($millions) | 3.3446% | 5,082 |
| Cash dividends to net income (ytd only)* | 24.8013% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 5,207 |
| Loan loss allowance to noncurrent loans | 178.3893% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 4,413 |
| Noncurrent loans to loans | 0.5171% | 3,907 |
| Net loans and leases to total assets | 71.1319% | 2,137 |
| Net loans and leases to deposits | 81.7371% | 2,591 |
| Net loans and leases to core deposits | 87.6295% | 2,587 |
| Total domestic deposits to total assets | 87.0253% | 2,158 |
| Equity capital to assets | 10.6251% | 3,294 |
| Core capital (leverage) ratio | 10.7997% | 2,611 |
| Tier 1 risk-based capital ratio | 13.4910% | 4,229 |
| Total risk-based capital ratio | 14.3338% | 4,386 |
| Memoranda: | ||
| Average total assets | $199,641,000 | 2,996 |
| Average earning assets | $183,484,000 | 3,010 |
| Average equity | $20,907,330 | 3,120 |
| Average total loans | $143,098,330 | 2,717 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 1,951 |
| Cost of funding earning assets | 0.2456% | 5,070 |
| Net interest margin | 4.1013% | 1,272 |
| Noninterest income to average assets | 1.3238% | 653 |
| Noninterest expense to average assets | 3.1598% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1952% | 1,563 |
| Return on assets (ROA) | 1.1952% | 1,661 |
| Pretax return on assets | 1.9204% | 688 |
| Return on Equity (ROE) | 11.4976% | 1,482 |
| Retained earnings to average equity (ytd only) | 6.6667% | 2,160 |
| Net charge-offs to loans | 0.2132% | 1,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.5789% | 1,789 |
| Efficiency ratio | 62.1985% | 4,766 |
| Assets per employee ($millions) | 3.2560% | 5,311 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 5,356 |
| Loan loss allowance to noncurrent loans | 166.7092% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 4,471 |
| Noncurrent loans to loans | 0.5546% | 3,920 |
| Net loans and leases to total assets | 69.3776% | 2,224 |
| Net loans and leases to deposits | 77.9060% | 2,819 |
| Net loans and leases to core deposits | 83.2218% | 2,844 |
| Total domestic deposits to total assets | 89.0530% | 1,227 |
| Equity capital to assets | 10.3551% | 3,711 |
| Core capital (leverage) ratio | 10.5207% | 2,932 |
| Tier 1 risk-based capital ratio | 13.4063% | 4,371 |
| Total risk-based capital ratio | 14.2538% | 4,519 |
| Memoranda: | ||
| Average total assets | $199,124,000 | 3,021 |
| Average earning assets | $182,382,000 | 3,041 |
| Average equity | $20,700,000 | 3,167 |
| Average total loans | $142,611,000 | 2,723 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5216% | 1,788 |
| Cost of funding earning assets | 0.3394% | 4,372 |
| Net interest margin | 4.1822% | 1,353 |
| Noninterest income to average assets | 1.4155% | 608 |
| Noninterest expense to average assets | 3.2599% | 2,042 |
| Loan and lease loss provision to assets | 0.0134% | 4,354 |
| Net operating income to assets | 1.2070% | 1,563 |
| Return on assets (ROA) | 1.2132% | 1,605 |
| Pretax return on assets | 1.9514% | 558 |
| Return on Equity (ROE) | 11.6740% | 1,499 |
| Retained earnings to average equity (ytd only) | 9.5618% | 591 |
| Net charge-offs to loans | 0.2812% | 1,542 |
| Credit loss provision to net charge-offs | 6.6667% | 4,139 |
| Earnings coverage of net charge-offs (x) | 9.7387% | 2,708 |
| Efficiency ratio | 62.5090% | 4,829 |
| Assets per employee ($millions) | 3.2729% | 5,309 |
| Cash dividends to net income (ytd only)* | 18.0936% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 5,235 |
| Loan loss allowance to noncurrent loans | 156.6251% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 4,317 |
| Noncurrent loans to loans | 0.6138% | 3,843 |
| Net loans and leases to total assets | 72.5537% | 1,820 |
| Net loans and leases to deposits | 84.9003% | 2,113 |
| Net loans and leases to core deposits | 90.0341% | 2,277 |
| Total domestic deposits to total assets | 85.4575% | 3,099 |
| Equity capital to assets | 10.4371% | 3,563 |
| Core capital (leverage) ratio | 10.8366% | 2,574 |
| Tier 1 risk-based capital ratio | 13.1780% | 4,604 |
| Total risk-based capital ratio | 14.0746% | 4,755 |
| Memoranda: | ||
| Average total assets | $186,784,800 | 3,138 |
| Average earning assets | $169,695,600 | 3,159 |
| Average equity | $19,410,600 | 3,228 |
| Average total loans | $133,375,000 | 2,799 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5564% | 1,682 |
| Cost of funding earning assets | 0.3458% | 4,385 |
| Net interest margin | 4.2106% | 1,254 |
| Noninterest income to average assets | 1.4303% | 614 |
| Noninterest expense to average assets | 3.1874% | 2,216 |
| Loan and lease loss provision to assets | 0.0181% | 4,047 |
| Net operating income to assets | 1.2654% | 1,473 |
| Return on assets (ROA) | 1.2705% | 1,518 |
| Pretax return on assets | 2.0449% | 519 |
| Return on Equity (ROE) | 12.2398% | 1,420 |
| Retained earnings to average equity (ytd only) | 11.1252% | 496 |
| Net charge-offs to loans | 0.2478% | 1,554 |
| Credit loss provision to net charge-offs | 10.2881% | 3,702 |
| Earnings coverage of net charge-offs (x) | 11.6955% | 2,390 |
| Efficiency ratio | 60.8000% | 5,075 |
| Assets per employee ($millions) | 3.1739% | 5,481 |
| Cash dividends to net income (ytd only)* | 9.1065% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 4,477 |
| Loan loss allowance to noncurrent loans | 151.9559% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 4,274 |
| Noncurrent loans to loans | 0.7595% | 3,702 |
| Net loans and leases to total assets | 69.2908% | 2,311 |
| Net loans and leases to deposits | 79.6152% | 2,757 |
| Net loans and leases to core deposits | 84.7884% | 2,802 |
| Total domestic deposits to total assets | 87.0321% | 2,304 |
| Equity capital to assets | 10.7549% | 3,234 |
| Core capital (leverage) ratio | 10.9313% | 2,555 |
| Tier 1 risk-based capital ratio | 13.9964% | 4,218 |
| Total risk-based capital ratio | 15.0530% | 4,286 |
| Memoranda: | ||
| Average total assets | $184,387,000 | 3,193 |
| Average earning assets | $166,939,000 | 3,223 |
| Average equity | $19,139,250 | 3,280 |
| Average total loans | $130,753,500 | 2,861 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,437 |
| Cost of funding earning assets | 0.3495% | 4,442 |
| Net interest margin | 4.2849% | 1,060 |
| Noninterest income to average assets | 1.2975% | 706 |
| Noninterest expense to average assets | 3.1151% | 2,437 |
| Loan and lease loss provision to assets | 0.0273% | 3,722 |
| Net operating income to assets | 1.2615% | 1,414 |
| Return on assets (ROA) | 1.2692% | 1,451 |
| Pretax return on assets | 2.0433% | 505 |
| Return on Equity (ROE) | 12.3792% | 1,336 |
| Retained earnings to average equity (ytd only) | 11.3157% | 496 |
| Net charge-offs to loans | 0.3615% | 1,131 |
| Credit loss provision to net charge-offs | 10.5932% | 3,295 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,546 |
| Efficiency ratio | 60.2107% | 5,266 |
| Assets per employee ($millions) | 3.1457% | 5,518 |
| Cash dividends to net income (ytd only)* | 8.5911% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 4,645 |
| Loan loss allowance to noncurrent loans | 144.1288% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 4,251 |
| Noncurrent loans to loans | 0.8007% | 3,702 |
| Net loans and leases to total assets | 71.4528% | 1,832 |
| Net loans and leases to deposits | 83.5181% | 2,081 |
| Net loans and leases to core deposits | 89.0459% | 2,208 |
| Total domestic deposits to total assets | 85.5538% | 3,268 |
| Equity capital to assets | 10.7378% | 3,158 |
| Core capital (leverage) ratio | 10.7265% | 2,689 |
| Tier 1 risk-based capital ratio | 13.7003% | 4,450 |
| Total risk-based capital ratio | 14.7677% | 4,508 |
| Memoranda: | ||
| Average total assets | $183,428,330 | 3,217 |
| Average earning assets | $165,932,670 | 3,249 |
| Average equity | $18,805,670 | 3,311 |
| Average total loans | $130,581,000 | 2,863 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 1,345 |
| Cost of funding earning assets | 0.3546% | 4,494 |
| Net interest margin | 4.3061% | 982 |
| Noninterest income to average assets | 1.0896% | 941 |
| Noninterest expense to average assets | 3.1297% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1418% | 1,659 |
| Return on assets (ROA) | 1.1418% | 1,725 |
| Pretax return on assets | 1.8421% | 746 |
| Return on Equity (ROE) | 11.4050% | 1,568 |
| Retained earnings to average equity (ytd only) | 9.2326% | 1,182 |
| Net charge-offs to loans | -0.0031% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9484% | 5,006 |
| Assets per employee ($millions) | 3.1317% | 5,629 |
| Cash dividends to net income (ytd only)* | 19.0476% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,058 |
| Loan loss allowance to noncurrent loans | 155.7951% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 4,341 |
| Noncurrent loans to loans | 0.8425% | 3,781 |
| Net loans and leases to total assets | 70.5616% | 1,791 |
| Net loans and leases to deposits | 81.7232% | 2,074 |
| Net loans and leases to core deposits | 86.3963% | 2,277 |
| Total domestic deposits to total assets | 86.3421% | 3,186 |
| Equity capital to assets | 10.1411% | 3,672 |
| Core capital (leverage) ratio | 10.4399% | 3,006 |
| Tier 1 risk-based capital ratio | 13.1785% | 4,907 |
| Total risk-based capital ratio | 14.3877% | 4,859 |
| Memoranda: | ||
| Average total assets | $183,918,000 | 3,242 |
| Average earning assets | $165,811,000 | 3,270 |
| Average equity | $18,413,000 | 3,369 |
| Average total loans | $129,928,000 | 2,880 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 1,729 |
| Cost of funding earning assets | 0.3617% | 5,033 |
| Net interest margin | 4.2847% | 1,146 |
| Noninterest income to average assets | 1.4965% | 629 |
| Noninterest expense to average assets | 3.5316% | 1,588 |
| Loan and lease loss provision to assets | 0.1614% | 2,262 |
| Net operating income to assets | 1.0488% | 2,123 |
| Return on assets (ROA) | 1.0498% | 2,190 |
| Pretax return on assets | 1.6873% | 981 |
| Return on Equity (ROE) | 11.0829% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.2225% | 522 |
| Net charge-offs to loans | 0.0241% | 4,945 |
| Credit loss provision to net charge-offs | 990.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 113.3000% | 420 |
| Efficiency ratio | 65.6597% | 4,625 |
| Assets per employee ($millions) | 3.1563% | 5,577 |
| Cash dividends to net income (ytd only)* | 7.7640% | 4,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 3,860 |
| Loan loss allowance to noncurrent loans | 149.5255% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 3,189 |
| Noncurrent loans to loans | 0.9073% | 3,715 |
| Net loans and leases to total assets | 68.8344% | 2,205 |
| Net loans and leases to deposits | 79.1924% | 2,564 |
| Net loans and leases to core deposits | 84.0466% | 2,673 |
| Total domestic deposits to total assets | 86.9204% | 2,768 |
| Equity capital to assets | 9.8807% | 3,925 |
| Core capital (leverage) ratio | 10.1587% | 3,348 |
| Tier 1 risk-based capital ratio | 13.3629% | 4,739 |
| Total risk-based capital ratio | 14.6130% | 4,685 |
| Memoranda: | ||
| Average total assets | $184,026,600 | 3,232 |
| Average earning assets | $166,731,400 | 3,258 |
| Average equity | $17,432,200 | 3,502 |
| Average total loans | $124,716,600 | 2,946 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 1,720 |
| Cost of funding earning assets | 0.3755% | 5,047 |
| Net interest margin | 4.2848% | 1,129 |
| Noninterest income to average assets | 1.5123% | 637 |
| Noninterest expense to average assets | 3.4145% | 1,793 |
| Loan and lease loss provision to assets | 0.2149% | 1,696 |
| Net operating income to assets | 1.1027% | 1,996 |
| Return on assets (ROA) | 1.1027% | 2,071 |
| Pretax return on assets | 1.7720% | 956 |
| Return on Equity (ROE) | 11.7670% | 1,551 |
| Retained earnings to average equity (ytd only) | 10.6088% | 664 |
| Net charge-offs to loans | 0.0441% | 4,278 |
| Credit loss provision to net charge-offs | 724.3902% | 404 |
| Earnings coverage of net charge-offs (x) | 66.9698% | 686 |
| Efficiency ratio | 63.2150% | 4,945 |
| Assets per employee ($millions) | 3.0110% | 5,828 |
| Cash dividends to net income (ytd only)* | 9.8428% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 3,972 |
| Loan loss allowance to noncurrent loans | 158.8561% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 3,494 |
| Noncurrent loans to loans | 0.8704% | 4,081 |
| Net loans and leases to total assets | 67.9874% | 2,297 |
| Net loans and leases to deposits | 77.2400% | 2,785 |
| Net loans and leases to core deposits | 82.1433% | 2,857 |
| Total domestic deposits to total assets | 88.0209% | 2,116 |
| Equity capital to assets | 9.7727% | 4,217 |
| Core capital (leverage) ratio | 9.8582% | 3,880 |
| Tier 1 risk-based capital ratio | 13.5334% | 4,732 |
| Total risk-based capital ratio | 14.7838% | 4,691 |
| Memoranda: | ||
| Average total assets | $184,267,250 | 3,259 |
| Average earning assets | $167,252,750 | 3,285 |
| Average equity | $17,268,250 | 3,568 |
| Average total loans | $123,959,750 | 2,978 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 2,157 |
| Cost of funding earning assets | 0.3872% | 5,059 |
| Net interest margin | 4.1250% | 1,479 |
| Noninterest income to average assets | 1.1085% | 1,235 |
| Noninterest expense to average assets | 3.1293% | 2,578 |
| Loan and lease loss provision to assets | 0.2394% | 1,553 |
| Net operating income to assets | 0.9241% | 2,681 |
| Return on assets (ROA) | 0.9241% | 2,818 |
| Pretax return on assets | 1.4849% | 1,665 |
| Return on Equity (ROE) | 10.0004% | 2,198 |
| Retained earnings to average equity (ytd only) | 8.2500% | 1,387 |
| Net charge-offs to loans | 0.0663% | 3,761 |
| Credit loss provision to net charge-offs | 541.4634% | 525 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 946 |
| Efficiency ratio | 64.4746% | 4,791 |
| Assets per employee ($millions) | 3.1687% | 5,549 |
| Cash dividends to net income (ytd only)* | 17.5029% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,444 |
| Loan loss allowance to noncurrent loans | 56.5396% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.0240% | 2,131 |
| Noncurrent loans to loans | 2.3211% | 2,032 |
| Net loans and leases to total assets | 66.2484% | 2,549 |
| Net loans and leases to deposits | 74.5807% | 3,066 |
| Net loans and leases to core deposits | 85.7756% | 2,355 |
| Total domestic deposits to total assets | 88.8277% | 1,718 |
| Equity capital to assets | 9.0969% | 5,105 |
| Core capital (leverage) ratio | 9.3130% | 4,520 |
| Tier 1 risk-based capital ratio | 12.9799% | 5,157 |
| Total risk-based capital ratio | 14.2088% | 5,107 |
| Memoranda: | ||
| Average total assets | $185,470,670 | 3,263 |
| Average earning assets | $168,389,000 | 3,278 |
| Average equity | $17,139,330 | 3,604 |
| Average total loans | $123,764,330 | 2,994 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 2,076 |
| Cost of funding earning assets | 0.3994% | 5,104 |
| Net interest margin | 4.1283% | 1,382 |
| Noninterest income to average assets | 0.7968% | 2,137 |
| Noninterest expense to average assets | 3.1830% | 2,409 |
| Loan and lease loss provision to assets | 0.2404% | 1,510 |
| Net operating income to assets | 0.6907% | 3,739 |
| Return on assets (ROA) | 0.6907% | 3,884 |
| Pretax return on assets | 1.1108% | 2,912 |
| Return on Equity (ROE) | 7.4162% | 3,255 |
| Retained earnings to average equity (ytd only) | 5.7888% | 2,790 |
| Net charge-offs to loans | 0.1302% | 2,625 |
| Credit loss provision to net charge-offs | 277.5000% | 853 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,393 |
| Efficiency ratio | 70.2006% | 3,935 |
| Assets per employee ($millions) | 3.3100% | 5,412 |
| Cash dividends to net income (ytd only)* | 21.9436% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 4,933 |
| Loan loss allowance to noncurrent loans | 44.7844% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 2.3759% | 1,958 |
| Noncurrent loans to loans | 2.7945% | 1,813 |
| Net loans and leases to total assets | 65.4264% | 2,470 |
| Net loans and leases to deposits | 73.7813% | 2,945 |
| Net loans and leases to core deposits | 82.7042% | 2,488 |
| Total domestic deposits to total assets | 88.6762% | 1,884 |
| Equity capital to assets | 9.2635% | 5,184 |
| Core capital (leverage) ratio | 9.1440% | 4,646 |
| Tier 1 risk-based capital ratio | 12.6740% | 5,447 |
| Total risk-based capital ratio | 13.8240% | 5,482 |
| Memoranda: | ||
| Average total assets | $184,729,000 | 3,297 |
| Average earning assets | $167,237,000 | 3,319 |
| Average equity | $17,205,500 | 3,627 |
| Average total loans | $122,896,000 | 3,028 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 2,198 |
| Cost of funding earning assets | 0.4837% | 5,326 |
| Net interest margin | 4.3163% | 1,367 |
| Noninterest income to average assets | 1.5800% | 631 |
| Noninterest expense to average assets | 3.3781% | 2,109 |
| Loan and lease loss provision to assets | 0.2399% | 2,731 |
| Net operating income to assets | 1.1421% | 1,800 |
| Return on assets (ROA) | 1.1513% | 1,930 |
| Pretax return on assets | 1.8527% | 820 |
| Return on Equity (ROE) | 11.8782% | 1,541 |
| Retained earnings to average equity (ytd only) | 7.7229% | 1,224 |
| Net charge-offs to loans | 0.2985% | 3,151 |
| Credit loss provision to net charge-offs | 121.5743% | 2,351 |
| Earnings coverage of net charge-offs (x) | 10.5306% | 2,132 |
| Efficiency ratio | 61.9108% | 5,250 |
| Assets per employee ($millions) | 3.2298% | 5,561 |
| Cash dividends to net income (ytd only)* | 34.9825% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,148 |
| Loan loss allowance to noncurrent loans | 42.8029% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 2.6785% | 1,802 |
| Noncurrent loans to loans | 2.7850% | 1,890 |
| Net loans and leases to total assets | 66.0054% | 2,526 |
| Net loans and leases to deposits | 76.9456% | 2,666 |
| Net loans and leases to core deposits | 82.0099% | 2,773 |
| Total domestic deposits to total assets | 85.7820% | 3,472 |
| Equity capital to assets | 9.3646% | 5,047 |
| Core capital (leverage) ratio | 9.4937% | 4,115 |
| Tier 1 risk-based capital ratio | 12.7967% | 5,254 |
| Total risk-based capital ratio | 13.9050% | 5,304 |
| Memoranda: | ||
| Average total assets | $173,798,400 | 3,388 |
| Average earning assets | $156,083,400 | 3,446 |
| Average equity | $16,846,000 | 3,652 |
| Average total loans | $114,895,800 | 3,189 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 1,921 |
| Cost of funding earning assets | 0.5048% | 5,405 |
| Net interest margin | 4.4197% | 1,162 |
| Noninterest income to average assets | 1.5730% | 599 |
| Noninterest expense to average assets | 3.2853% | 2,310 |
| Loan and lease loss provision to assets | 0.2500% | 2,562 |
| Net operating income to assets | 1.2413% | 1,600 |
| Return on assets (ROA) | 1.2552% | 1,721 |
| Pretax return on assets | 2.0207% | 673 |
| Return on Equity (ROE) | 12.8334% | 1,382 |
| Retained earnings to average equity (ytd only) | 11.0820% | 668 |
| Net charge-offs to loans | 0.4158% | 2,426 |
| Credit loss provision to net charge-offs | 91.1932% | 3,262 |
| Earnings coverage of net charge-offs (x) | 8.2046% | 2,485 |
| Efficiency ratio | 59.3640% | 5,603 |
| Assets per employee ($millions) | 3.0591% | 5,948 |
| Cash dividends to net income (ytd only)* | 13.6478% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 5,310 |
| Loan loss allowance to noncurrent loans | 2,268.3333% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 4,301 |
| Noncurrent loans to loans | 0.0526% | 6,485 |
| Net loans and leases to total assets | 64.5811% | 2,914 |
| Net loans and leases to deposits | 73.7725% | 3,321 |
| Net loans and leases to core deposits | 79.5403% | 3,265 |
| Total domestic deposits to total assets | 87.5409% | 2,322 |
| Equity capital to assets | 10.0883% | 4,376 |
| Core capital (leverage) ratio | 9.9789% | 3,573 |
| Tier 1 risk-based capital ratio | 13.9127% | 4,595 |
| Total risk-based capital ratio | 15.0253% | 4,661 |
| Memoranda: | ||
| Average total assets | $171,223,750 | 3,467 |
| Average earning assets | $153,460,000 | 3,526 |
| Average equity | $16,747,500 | 3,700 |
| Average total loans | $112,874,750 | 3,260 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 1,822 |
| Cost of funding earning assets | 0.5227% | 5,471 |
| Net interest margin | 4.4643% | 1,054 |
| Noninterest income to average assets | 1.5267% | 629 |
| Noninterest expense to average assets | 3.2578% | 2,416 |
| Loan and lease loss provision to assets | 0.2915% | 2,250 |
| Net operating income to assets | 1.2177% | 1,654 |
| Return on assets (ROA) | 1.2387% | 1,772 |
| Pretax return on assets | 1.9956% | 701 |
| Return on Equity (ROE) | 12.8019% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.3444% | 680 |
| Net charge-offs to loans | 0.3769% | 2,509 |
| Credit loss provision to net charge-offs | 116.9811% | 2,351 |
| Earnings coverage of net charge-offs (x) | 9.0472% | 2,209 |
| Efficiency ratio | 59.1045% | 5,721 |
| Assets per employee ($millions) | 2.9469% | 6,156 |
| Cash dividends to net income (ytd only)* | 11.3852% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,787 |
| Loan loss allowance to noncurrent loans | 592.5311% | 630 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 4,224 |
| Noncurrent loans to loans | 0.2233% | 6,134 |
| Net loans and leases to total assets | 63.4080% | 3,162 |
| Net loans and leases to deposits | 72.4542% | 3,546 |
| Net loans and leases to core deposits | 78.9976% | 3,365 |
| Total domestic deposits to total assets | 87.5145% | 2,460 |
| Equity capital to assets | 10.0916% | 4,197 |
| Core capital (leverage) ratio | 9.9134% | 3,548 |
| Tier 1 risk-based capital ratio | 14.3563% | 4,207 |
| Total risk-based capital ratio | 15.5943% | 4,176 |
| Memoranda: | ||
| Average total assets | $170,175,000 | 3,496 |
| Average earning assets | $151,915,000 | 3,563 |
| Average equity | $16,466,330 | 3,734 |
| Average total loans | $112,509,330 | 3,280 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 1,687 |
| Cost of funding earning assets | 0.5329% | 5,596 |
| Net interest margin | 4.5269% | 959 |
| Noninterest income to average assets | 1.4783% | 663 |
| Noninterest expense to average assets | 3.3863% | 2,041 |
| Loan and lease loss provision to assets | 0.4157% | 1,517 |
| Net operating income to assets | 1.0719% | 2,200 |
| Return on assets (ROA) | 1.1093% | 2,226 |
| Pretax return on assets | 1.7819% | 1,115 |
| Return on Equity (ROE) | 11.7110% | 1,764 |
| Retained earnings to average equity (ytd only) | 11.7110% | 874 |
| Net charge-offs to loans | 0.5366% | 1,745 |
| Credit loss provision to net charge-offs | 115.5844% | 2,041 |
| Earnings coverage of net charge-offs (x) | 5.9481% | 2,270 |
| Efficiency ratio | 61.2849% | 5,404 |
| Assets per employee ($millions) | 3.1131% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 5,166 |
| Loan loss allowance to noncurrent loans | 1,170.2479% | 348 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 4,475 |
| Noncurrent loans to loans | 0.1085% | 6,488 |
| Net loans and leases to total assets | 65.5144% | 2,558 |
| Net loans and leases to deposits | 74.5490% | 3,036 |
| Net loans and leases to core deposits | 82.0360% | 2,829 |
| Total domestic deposits to total assets | 87.8810% | 2,410 |
| Equity capital to assets | 9.7872% | 4,399 |
| Core capital (leverage) ratio | 9.6381% | 3,864 |
| Tier 1 risk-based capital ratio | 13.6023% | 4,749 |
| Total risk-based capital ratio | 14.7987% | 4,773 |
| Memoranda: | ||
| Average total assets | $171,277,000 | 3,498 |
| Average earning assets | $153,128,000 | 3,562 |
| Average equity | $16,224,000 | 3,780 |
| Average total loans | $114,796,500 | 3,256 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 1,609 |
| Cost of funding earning assets | 0.7096% | 5,478 |
| Net interest margin | 4.6248% | 873 |
| Noninterest income to average assets | 1.1608% | 974 |
| Noninterest expense to average assets | 3.4757% | 2,048 |
| Loan and lease loss provision to assets | 0.3644% | 2,817 |
| Net operating income to assets | 0.9489% | 2,414 |
| Return on assets (ROA) | 1.0073% | 2,314 |
| Pretax return on assets | 1.6182% | 1,164 |
| Return on Equity (ROE) | 10.9794% | 1,702 |
| Retained earnings to average equity (ytd only) | 9.0035% | 800 |
| Net charge-offs to loans | 0.7344% | 2,316 |
| Credit loss provision to net charge-offs | 69.2308% | 4,881 |
| Earnings coverage of net charge-offs (x) | 3.5936% | 3,461 |
| Efficiency ratio | 64.7602% | 4,994 |
| Assets per employee ($millions) | 3.0605% | 5,975 |
| Cash dividends to net income (ytd only)* | 17.9964% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,492 |
| Loan loss allowance to noncurrent loans | 424.3902% | 801 |
| Noncurrent assets plus other real estate owned to assets | 1.0886% | 4,441 |
| Noncurrent loans to loans | 0.2779% | 6,169 |
| Net loans and leases to total assets | 66.8688% | 2,617 |
| Net loans and leases to deposits | 75.4870% | 3,263 |
| Net loans and leases to core deposits | 83.6633% | 2,933 |
| Total domestic deposits to total assets | 88.5833% | 1,796 |
| Equity capital to assets | 9.1690% | 5,331 |
| Core capital (leverage) ratio | 9.3538% | 4,246 |
| Tier 1 risk-based capital ratio | 12.9018% | 5,152 |
| Total risk-based capital ratio | 14.0512% | 5,222 |
| Memoranda: | ||
| Average total assets | $165,489,800 | 3,561 |
| Average earning assets | $150,513,600 | 3,571 |
| Average equity | $15,183,000 | 3,871 |
| Average total loans | $118,599,600 | 3,204 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 1,558 |
| Cost of funding earning assets | 0.7542% | 5,442 |
| Net interest margin | 4.6298% | 895 |
| Noninterest income to average assets | 1.0658% | 1,183 |
| Noninterest expense to average assets | 3.3592% | 2,315 |
| Loan and lease loss provision to assets | 0.3814% | 2,570 |
| Net operating income to assets | 0.9636% | 2,464 |
| Return on assets (ROA) | 1.0389% | 2,337 |
| Pretax return on assets | 1.6694% | 1,207 |
| Return on Equity (ROE) | 11.3215% | 1,753 |
| Retained earnings to average equity (ytd only) | 8.6513% | 1,262 |
| Net charge-offs to loans | 0.6434% | 2,321 |
| Credit loss provision to net charge-offs | 81.5009% | 4,097 |
| Earnings coverage of net charge-offs (x) | 4.1309% | 3,168 |
| Efficiency ratio | 63.4722% | 5,158 |
| Assets per employee ($millions) | 2.8608% | 6,383 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 4,786 |
| Loan loss allowance to noncurrent loans | 340.7895% | 941 |
| Noncurrent assets plus other real estate owned to assets | 1.2361% | 4,324 |
| Noncurrent loans to loans | 0.3953% | 6,065 |
| Net loans and leases to total assets | 68.5800% | 2,360 |
| Net loans and leases to deposits | 78.4269% | 2,897 |
| Net loans and leases to core deposits | 88.0784% | 2,478 |
| Total domestic deposits to total assets | 87.4444% | 2,378 |
| Equity capital to assets | 9.4283% | 5,199 |
| Core capital (leverage) ratio | 9.1875% | 4,644 |
| Tier 1 risk-based capital ratio | 13.1301% | 5,002 |
| Total risk-based capital ratio | 14.3894% | 4,972 |
| Memoranda: | ||
| Average total assets | $163,250,750 | 3,619 |
| Average earning assets | $149,030,000 | 3,616 |
| Average equity | $14,980,000 | 3,927 |
| Average total loans | $118,739,000 | 3,225 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 1,818 |
| Cost of funding earning assets | 0.8012% | 5,358 |
| Net interest margin | 4.5193% | 1,088 |
| Noninterest income to average assets | 1.2183% | 854 |
| Noninterest expense to average assets | 3.6967% | 1,533 |
| Loan and lease loss provision to assets | 0.4065% | 2,402 |
| Net operating income to assets | 0.7822% | 3,145 |
| Return on assets (ROA) | 0.7822% | 3,273 |
| Pretax return on assets | 1.2565% | 2,279 |
| Return on Equity (ROE) | 8.6051% | 2,677 |
| Retained earnings to average equity (ytd only) | 4.5397% | 3,300 |
| Net charge-offs to loans | 0.9711% | 1,616 |
| Credit loss provision to net charge-offs | 56.7010% | 4,423 |
| Earnings coverage of net charge-offs (x) | 2.3196% | 3,667 |
| Efficiency ratio | 68.9726% | 4,334 |
| Assets per employee ($millions) | 2.8339% | 6,415 |
| Cash dividends to net income (ytd only)* | 47.2441% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 5,468 |
| Loan loss allowance to noncurrent loans | 146.5140% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 3,723 |
| Noncurrent loans to loans | 0.8324% | 5,264 |
| Net loans and leases to total assets | 68.2067% | 2,578 |
| Net loans and leases to deposits | 76.8805% | 3,307 |
| Net loans and leases to core deposits | 85.6069% | 2,975 |
| Total domestic deposits to total assets | 88.7178% | 1,708 |
| Equity capital to assets | 8.9903% | 5,590 |
| Core capital (leverage) ratio | 8.8892% | 4,898 |
| Tier 1 risk-based capital ratio | 12.6318% | 5,234 |
| Total risk-based capital ratio | 13.8459% | 5,228 |
| Memoranda: | ||
| Average total assets | $162,359,000 | 3,646 |
| Average earning assets | $148,784,670 | 3,641 |
| Average equity | $14,758,670 | 3,948 |
| Average total loans | $119,870,000 | 3,234 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 1,642 |
| Cost of funding earning assets | 0.8785% | 5,074 |
| Net interest margin | 4.5023% | 1,067 |
| Noninterest income to average assets | 1.2080% | 873 |
| Noninterest expense to average assets | 3.5364% | 1,918 |
| Loan and lease loss provision to assets | 0.3826% | 2,268 |
| Net operating income to assets | 0.8653% | 2,723 |
| Return on assets (ROA) | 0.8653% | 2,779 |
| Pretax return on assets | 1.3905% | 1,749 |
| Return on Equity (ROE) | 9.4652% | 2,292 |
| Retained earnings to average equity (ytd only) | 3.1733% | 4,268 |
| Net charge-offs to loans | 1.4417% | 941 |
| Credit loss provision to net charge-offs | 34.7727% | 4,037 |
| Earnings coverage of net charge-offs (x) | 1.6114% | 3,507 |
| Efficiency ratio | 66.6039% | 4,925 |
| Assets per employee ($millions) | 2.9213% | 6,304 |
| Cash dividends to net income (ytd only)* | 66.4740% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 5,678 |
| Loan loss allowance to noncurrent loans | 122.1530% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.9288% | 3,399 |
| Noncurrent loans to loans | 0.9750% | 5,093 |
| Net loans and leases to total assets | 70.8960% | 1,951 |
| Net loans and leases to deposits | 80.1145% | 2,705 |
| Net loans and leases to core deposits | 93.8930% | 1,897 |
| Total domestic deposits to total assets | 88.4933% | 2,079 |
| Equity capital to assets | 9.1516% | 4,956 |
| Core capital (leverage) ratio | 9.2291% | 4,245 |
| Tier 1 risk-based capital ratio | 12.4970% | 5,271 |
| Total risk-based capital ratio | 13.6860% | 5,302 |
| Memoranda: | ||
| Average total assets | $159,937,500 | 3,710 |
| Average earning assets | $145,703,500 | 3,718 |
| Average equity | $14,622,000 | 3,971 |
| Average total loans | $122,079,500 | 3,214 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7675% | 1,361 |
| Cost of funding earning assets | 1.2189% | 4,431 |
| Net interest margin | 4.5486% | 1,137 |
| Noninterest income to average assets | 1.2875% | 888 |
| Noninterest expense to average assets | 3.5689% | 2,005 |
| Loan and lease loss provision to assets | 0.4555% | 3,391 |
| Net operating income to assets | 0.8756% | 2,480 |
| Return on assets (ROA) | 0.8756% | 2,621 |
| Pretax return on assets | 1.4071% | 1,645 |
| Return on Equity (ROE) | 9.8373% | 1,992 |
| Retained earnings to average equity (ytd only) | 5.2372% | 2,287 |
| Net charge-offs to loans | 0.2625% | 4,726 |
| Credit loss provision to net charge-offs | 217.5595% | 1,387 |
| Earnings coverage of net charge-offs (x) | 8.8958% | 1,901 |
| Efficiency ratio | 65.7067% | 5,025 |
| Assets per employee ($millions) | 2.8946% | 6,342 |
| Cash dividends to net income (ytd only)* | 46.7616% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 5,062 |
| Loan loss allowance to noncurrent loans | 112.3900% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 2.2939% | 2,973 |
| Noncurrent loans to loans | 1.1461% | 4,819 |
| Net loans and leases to total assets | 79.9080% | 671 |
| Net loans and leases to deposits | 90.7700% | 1,427 |
| Net loans and leases to core deposits | 102.4382% | 1,419 |
| Total domestic deposits to total assets | 88.0335% | 2,229 |
| Equity capital to assets | 9.1330% | 4,940 |
| Core capital (leverage) ratio | 8.9118% | 4,674 |
| Tier 1 risk-based capital ratio | 11.3827% | 6,008 |
| Total risk-based capital ratio | 12.6336% | 5,999 |
| Memoranda: | ||
| Average total assets | $160,470,000 | 3,686 |
| Average earning assets | $146,198,400 | 3,701 |
| Average equity | $14,282,400 | 4,078 |
| Average total loans | $127,984,000 | 3,160 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6736% | 1,800 |
| Cost of funding earning assets | 1.2688% | 4,447 |
| Net interest margin | 4.4048% | 1,509 |
| Noninterest income to average assets | 1.2364% | 898 |
| Noninterest expense to average assets | 3.4737% | 2,103 |
| Loan and lease loss provision to assets | 0.3483% | 3,823 |
| Net operating income to assets | 0.8865% | 2,663 |
| Return on assets (ROA) | 0.8865% | 2,807 |
| Pretax return on assets | 1.4246% | 1,810 |
| Return on Equity (ROE) | 10.0246% | 2,109 |
| Retained earnings to average equity (ytd only) | 5.7391% | 2,516 |
| Net charge-offs to loans | 0.3266% | 4,029 |
| Credit loss provision to net charge-offs | 134.1853% | 3,007 |
| Earnings coverage of net charge-offs (x) | 6.8307% | 2,442 |
| Efficiency ratio | 66.2083% | 4,815 |
| Assets per employee ($millions) | 2.9587% | 6,252 |
| Cash dividends to net income (ytd only)* | 42.7503% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 6,038 |
| Loan loss allowance to noncurrent loans | 87.3885% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 2.2188% | 3,172 |
| Noncurrent loans to loans | 1.2308% | 4,790 |
| Net loans and leases to total assets | 78.9815% | 884 |
| Net loans and leases to deposits | 89.3265% | 1,817 |
| Net loans and leases to core deposits | 104.6613% | 1,428 |
| Total domestic deposits to total assets | 88.4189% | 1,719 |
| Equity capital to assets | 9.1182% | 5,422 |
| Core capital (leverage) ratio | 8.7898% | 5,030 |
| Tier 1 risk-based capital ratio | 11.4513% | 5,975 |
| Total risk-based capital ratio | 12.5595% | 6,089 |
| Memoranda: | ||
| Average total assets | $160,786,750 | 3,742 |
| Average earning assets | $146,381,250 | 3,740 |
| Average equity | $14,218,000 | 4,155 |
| Average total loans | $127,761,000 | 3,207 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 2,014 |
| Cost of funding earning assets | 1.2824% | 4,634 |
| Net interest margin | 4.3500% | 1,589 |
| Noninterest income to average assets | 1.1320% | 1,022 |
| Noninterest expense to average assets | 3.5153% | 1,994 |
| Loan and lease loss provision to assets | 0.1986% | 4,882 |
| Net operating income to assets | 0.8428% | 2,763 |
| Return on assets (ROA) | 0.8428% | 2,922 |
| Pretax return on assets | 1.3927% | 1,857 |
| Return on Equity (ROE) | 9.6303% | 2,233 |
| Retained earnings to average equity (ytd only) | 6.4391% | 2,107 |
| Net charge-offs to loans | 0.4428% | 3,208 |
| Credit loss provision to net charge-offs | 56.5371% | 5,290 |
| Earnings coverage of net charge-offs (x) | 4.5300% | 2,926 |
| Efficiency ratio | 68.8381% | 4,419 |
| Assets per employee ($millions) | 2.8857% | 6,384 |
| Cash dividends to net income (ytd only)* | 33.1370% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 6,731 |
| Loan loss allowance to noncurrent loans | 516.7421% | 632 |
| Noncurrent assets plus other real estate owned to assets | 1.4765% | 4,246 |
| Noncurrent loans to loans | 0.1756% | 6,901 |
| Net loans and leases to total assets | 77.1542% | 1,265 |
| Net loans and leases to deposits | 88.5746% | 2,081 |
| Net loans and leases to core deposits | 101.3749% | 1,881 |
| Total domestic deposits to total assets | 87.1065% | 2,477 |
| Equity capital to assets | 8.9183% | 5,576 |
| Core capital (leverage) ratio | 8.7800% | 4,951 |
| Tier 1 risk-based capital ratio | 11.4754% | 5,793 |
| Total risk-based capital ratio | 12.4102% | 6,072 |
| Memoranda: | ||
| Average total assets | $161,126,000 | 3,766 |
| Average earning assets | $147,220,000 | 3,758 |
| Average equity | $14,101,330 | 4,181 |
| Average total loans | $127,828,000 | 3,241 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6741% | 1,872 |
| Cost of funding earning assets | 1.2975% | 4,829 |
| Net interest margin | 4.3767% | 1,455 |
| Noninterest income to average assets | 1.0293% | 1,212 |
| Noninterest expense to average assets | 3.6100% | 1,714 |
| Loan and lease loss provision to assets | 0.1740% | 4,780 |
| Net operating income to assets | 0.7757% | 3,080 |
| Return on assets (ROA) | 0.7757% | 3,189 |
| Pretax return on assets | 1.2456% | 2,217 |
| Return on Equity (ROE) | 8.9488% | 2,507 |
| Retained earnings to average equity (ytd only) | 2.4953% | 4,640 |
| Net charge-offs to loans | 0.7327% | 2,038 |
| Credit loss provision to net charge-offs | 29.6610% | 4,817 |
| Earnings coverage of net charge-offs (x) | 2.4195% | 3,335 |
| Efficiency ratio | 71.7746% | 3,968 |
| Assets per employee ($millions) | 2.8907% | 6,459 |
| Cash dividends to net income (ytd only)* | 72.1154% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,906 |
| Loan loss allowance to noncurrent loans | 1,801.6393% | 205 |
| Noncurrent assets plus other real estate owned to assets | 1.4598% | 4,313 |
| Noncurrent loans to loans | 0.0487% | 7,285 |
| Net loans and leases to total assets | 78.0527% | 1,147 |
| Net loans and leases to deposits | 89.4631% | 1,994 |
| Net loans and leases to core deposits | 103.8617% | 1,752 |
| Total domestic deposits to total assets | 87.2457% | 2,507 |
| Equity capital to assets | 8.8112% | 5,532 |
| Core capital (leverage) ratio | 8.6338% | 5,150 |
| Tier 1 risk-based capital ratio | 11.0569% | 6,107 |
| Total risk-based capital ratio | 11.9468% | 6,434 |
| Memoranda: | ||
| Average total assets | $160,888,500 | 3,824 |
| Average earning assets | $147,053,000 | 3,816 |
| Average equity | $13,946,000 | 4,256 |
| Average total loans | $128,830,000 | 3,278 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 3,302 |
| Cost of funding earning assets | 1.3924% | 5,962 |
| Net interest margin | 4.2659% | 1,837 |
| Noninterest income to average assets | 1.2374% | 987 |
| Noninterest expense to average assets | 3.3006% | 3,006 |
| Loan and lease loss provision to assets | 0.3659% | 4,605 |
| Net operating income to assets | 0.9373% | 2,064 |
| Return on assets (ROA) | 1.0125% | 1,850 |
| Pretax return on assets | 1.6275% | 906 |
| Return on Equity (ROE) | 11.2398% | 1,368 |
| Retained earnings to average equity (ytd only) | 6.3429% | 1,206 |
| Net charge-offs to loans | -0.0499% | 7,844 |
| Credit loss provision to net charge-offs | -923.7288% | 7,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7613% | 5,818 |
| Assets per employee ($millions) | 3.1305% | 5,911 |
| Cash dividends to net income (ytd only)* | 43.5676% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 6,613 |
| Loan loss allowance to noncurrent loans | 152.9625% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3895% | 4,335 |
| Noncurrent loans to loans | 0.6243% | 5,991 |
| Net loans and leases to total assets | 80.5961% | 897 |
| Net loans and leases to deposits | 97.8126% | 1,123 |
| Net loans and leases to core deposits | 133.1385% | 1,103 |
| Total domestic deposits to total assets | 82.3985% | 4,773 |
| Equity capital to assets | 8.5283% | 5,836 |
| Core capital (leverage) ratio | 8.8219% | 4,734 |
| Tier 1 risk-based capital ratio | 10.0661% | 6,815 |
| Total risk-based capital ratio | 11.0047% | 7,043 |
| Memoranda: | ||
| Average total assets | $148,943,400 | 3,973 |
| Average earning assets | $137,531,200 | 3,948 |
| Average equity | $13,416,600 | 4,399 |
| Average total loans | $118,182,400 | 3,520 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 3,941 |
| Cost of funding earning assets | 1.4521% | 6,029 |
| Net interest margin | 4.1348% | 2,265 |
| Noninterest income to average assets | 1.2620% | 968 |
| Noninterest expense to average assets | 3.2635% | 3,062 |
| Loan and lease loss provision to assets | 0.4170% | 3,821 |
| Net operating income to assets | 0.8776% | 2,506 |
| Return on assets (ROA) | 0.9797% | 2,187 |
| Pretax return on assets | 1.5745% | 1,234 |
| Return on Equity (ROE) | 10.7165% | 1,701 |
| Retained earnings to average equity (ytd only) | 5.9848% | 1,955 |
| Net charge-offs to loans | -0.0861% | 7,909 |
| Credit loss provision to net charge-offs | -614.8649% | 7,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0468% | 5,742 |
| Assets per employee ($millions) | 3.0525% | 6,036 |
| Cash dividends to net income (ytd only)* | 44.1535% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 6,305 |
| Loan loss allowance to noncurrent loans | 161.0284% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.8933% | 3,520 |
| Noncurrent loans to loans | 0.6201% | 6,065 |
| Net loans and leases to total assets | 80.5269% | 1,079 |
| Net loans and leases to deposits | 93.9298% | 1,891 |
| Net loans and leases to core deposits | 120.6027% | 2,199 |
| Total domestic deposits to total assets | 85.7310% | 2,842 |
| Equity capital to assets | 9.3250% | 4,993 |
| Core capital (leverage) ratio | 9.1788% | 4,366 |
| Tier 1 risk-based capital ratio | 11.0730% | 5,877 |
| Total risk-based capital ratio | 12.0629% | 6,105 |
| Memoranda: | ||
| Average total assets | $145,482,500 | 4,049 |
| Average earning assets | $134,884,000 | 4,025 |
| Average equity | $13,300,000 | 4,462 |
| Average total loans | $114,611,750 | 3,621 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5016% | 4,619 |
| Cost of funding earning assets | 1.5238% | 6,048 |
| Net interest margin | 3.9778% | 2,802 |
| Noninterest income to average assets | 1.2127% | 1,059 |
| Noninterest expense to average assets | 3.2218% | 3,266 |
| Loan and lease loss provision to assets | 0.5443% | 2,846 |
| Net operating income to assets | 0.7062% | 3,224 |
| Return on assets (ROA) | 0.8544% | 2,738 |
| Pretax return on assets | 1.3725% | 1,803 |
| Return on Equity (ROE) | 9.4089% | 2,221 |
| Retained earnings to average equity (ytd only) | 5.7668% | 2,136 |
| Net charge-offs to loans | -0.0195% | 7,693 |
| Credit loss provision to net charge-offs | -3,590.9091% | 7,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6557% | 5,606 |
| Assets per employee ($millions) | 3.0345% | 6,044 |
| Cash dividends to net income (ytd only)* | 38.7097% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 6,692 |
| Loan loss allowance to noncurrent loans | 135.7506% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.6615% | 3,703 |
| Noncurrent loans to loans | 0.6762% | 5,898 |
| Net loans and leases to total assets | 79.0682% | 1,506 |
| Net loans and leases to deposits | 87.9694% | 3,177 |
| Net loans and leases to core deposits | 115.7029% | 2,737 |
| Total domestic deposits to total assets | 89.8815% | 876 |
| Equity capital to assets | 9.0859% | 5,188 |
| Core capital (leverage) ratio | 9.0179% | 4,594 |
| Tier 1 risk-based capital ratio | 11.3312% | 5,566 |
| Total risk-based capital ratio | 12.2546% | 5,799 |
| Memoranda: | ||
| Average total assets | $145,136,670 | 4,080 |
| Average earning assets | $134,798,000 | 4,054 |
| Average equity | $13,179,000 | 4,500 |
| Average total loans | $113,089,670 | 3,696 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4543% | 5,157 |
| Cost of funding earning assets | 1.5723% | 6,151 |
| Net interest margin | 3.8820% | 3,126 |
| Noninterest income to average assets | 1.1154% | 1,190 |
| Noninterest expense to average assets | 3.1751% | 3,093 |
| Loan and lease loss provision to assets | 0.9249% | 1,400 |
| Net operating income to assets | 0.3879% | 4,902 |
| Return on assets (ROA) | 0.6847% | 3,818 |
| Pretax return on assets | 1.0989% | 2,993 |
| Return on Equity (ROE) | 7.5429% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.5429% | 2,005 |
| Net charge-offs to loans | -0.0359% | 7,606 |
| Credit loss provision to net charge-offs | -3,350.0000% | 6,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0554% | 5,134 |
| Assets per employee ($millions) | 2.9802% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 6,736 |
| Loan loss allowance to noncurrent loans | 63.0326% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 4,276 |
| Noncurrent loans to loans | 1.4317% | 4,157 |
| Net loans and leases to total assets | 77.2249% | 1,987 |
| Net loans and leases to deposits | 85.4503% | 3,725 |
| Net loans and leases to core deposits | 112.2707% | 3,192 |
| Total domestic deposits to total assets | 90.3741% | 653 |
| Equity capital to assets | 9.2205% | 5,063 |
| Core capital (leverage) ratio | 8.8682% | 4,897 |
| Tier 1 risk-based capital ratio | 11.5847% | 5,330 |
| Total risk-based capital ratio | 12.4838% | 5,576 |
| Memoranda: | ||
| Average total assets | $144,878,000 | 4,096 |
| Average earning assets | $135,085,000 | 4,052 |
| Average equity | $13,151,500 | 4,548 |
| Average total loans | $111,518,000 | 3,750 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1868% | 4,584 |
| Cost of funding earning assets | 2.0502% | 6,236 |
| Net interest margin | 4.1366% | 2,554 |
| Noninterest income to average assets | 1.3665% | 773 |
| Noninterest expense to average assets | 3.5421% | 2,285 |
| Loan and lease loss provision to assets | 0.0963% | 6,155 |
| Net operating income to assets | 0.9586% | 2,750 |
| Return on assets (ROA) | 1.0465% | 2,264 |
| Pretax return on assets | 1.6766% | 1,198 |
| Return on Equity (ROE) | 10.9878% | 1,910 |
| Retained earnings to average equity (ytd only) | 5.2152% | 1,903 |
| Net charge-offs to loans | 0.0585% | 5,942 |
| Credit loss provision to net charge-offs | 215.2542% | 2,243 |
| Earnings coverage of net charge-offs (x) | 36.5593% | 1,008 |
| Efficiency ratio | 68.4095% | 4,654 |
| Assets per employee ($millions) | 3.1214% | 5,713 |
| Cash dividends to net income (ytd only)* | 52.5362% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 7,691 |
| Loan loss allowance to noncurrent loans | 3,004.5455% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 7,549 |
| Noncurrent loans to loans | 0.0197% | 7,440 |
| Net loans and leases to total assets | 75.5925% | 2,730 |
| Net loans and leases to deposits | 93.7018% | 2,820 |
| Net loans and leases to core deposits | 121.8164% | 2,524 |
| Total domestic deposits to total assets | 80.6735% | 4,782 |
| Equity capital to assets | 8.9383% | 5,449 |
| Core capital (leverage) ratio | 9.3854% | 4,178 |
| Tier 1 risk-based capital ratio | 11.3025% | 5,440 |
| Total risk-based capital ratio | 11.8901% | 5,959 |
| Memoranda: | ||
| Average total assets | $131,870,600 | 4,232 |
| Average earning assets | $121,500,600 | 4,225 |
| Average equity | $12,559,400 | 4,688 |
| Average total loans | $100,899,600 | 3,920 |