Home > Bank of Commerce > Performance and Condition Ratios
Bank of Commerce, Performance and Condition Ratios
| 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 | 4.0997% | 3,342 |
| Cost of funding earning assets | 0.5908% | 1,970 |
| Net interest margin | 3.5090% | 3,749 |
| Noninterest income to average assets | 0.2727% | 5,252 |
| Noninterest expense to average assets | 3.4288% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1205% | 6,007 |
| Return on assets (ROA) | 0.1157% | 6,059 |
| Pretax return on assets | 0.1157% | 6,071 |
| Return on Equity (ROE) | 1.2169% | 6,013 |
| Retained earnings to average equity (ytd only) | -1.1503% | 5,874 |
| Net charge-offs to loans | 0.1820% | 1,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.9157% | 3,940 |
| Efficiency ratio | 96.6056% | 534 |
| Assets per employee ($millions) | 7.2236% | 719 |
| Cash dividends to net income (ytd only)* | 194.5205% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 2,672 |
| Loan loss allowance to noncurrent loans | 120.9983% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 2,777 |
| Noncurrent loans to loans | 1.2796% | 2,666 |
| Net loans and leases to total assets | 72.8058% | 1,600 |
| Net loans and leases to deposits | 96.3137% | 781 |
| Net loans and leases to core deposits | 107.6065% | 787 |
| Total domestic deposits to total assets | 75.5924% | 5,960 |
| Equity capital to assets | 10.0218% | 4,075 |
| Core capital (leverage) ratio | 10.1205% | 3,445 |
| Tier 1 risk-based capital ratio | 11.9539% | 5,568 |
| Total risk-based capital ratio | 13.2048% | 5,495 |
| Memoranda: | ||
| Average total assets | $126,166,000 | 4,114 |
| Average earning assets | $117,812,670 | 4,069 |
| Average equity | $11,997,330 | 4,398 |
| Average total loans | $91,195,330 | 3,662 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,408 |
| Cost of funding earning assets | 0.5806% | 2,152 |
| Net interest margin | 3.4869% | 3,754 |
| Noninterest income to average assets | 0.2315% | 5,498 |
| Noninterest expense to average assets | 3.1193% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3629% | 5,262 |
| Return on assets (ROA) | 0.4224% | 5,102 |
| Pretax return on assets | 0.4224% | 5,378 |
| Return on Equity (ROE) | 4.5598% | 4,762 |
| Retained earnings to average equity (ytd only) | 2.1617% | 4,740 |
| Net charge-offs to loans | 0.0919% | 2,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.5238% | 2,363 |
| Efficiency ratio | 89.5777% | 1,077 |
| Assets per employee ($millions) | 7.0212% | 799 |
| Cash dividends to net income (ytd only)* | 52.5926% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 2,706 |
| Loan loss allowance to noncurrent loans | 138.0997% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 3,180 |
| Noncurrent loans to loans | 1.1583% | 3,113 |
| Net loans and leases to total assets | 71.4569% | 1,655 |
| Net loans and leases to deposits | 92.6997% | 901 |
| Net loans and leases to core deposits | 104.7511% | 813 |
| Total domestic deposits to total assets | 77.0844% | 5,955 |
| Equity capital to assets | 9.5734% | 4,399 |
| Core capital (leverage) ratio | 9.9031% | 3,708 |
| Tier 1 risk-based capital ratio | 11.8107% | 5,754 |
| Total risk-based capital ratio | 13.0619% | 5,690 |
| Memoranda: | ||
| Average total assets | $127,848,000 | 4,110 |
| Average earning assets | $119,187,500 | 4,059 |
| Average equity | $11,842,500 | 4,435 |
| Average total loans | $91,386,500 | 3,676 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,932 |
| Cost of funding earning assets | 0.5443% | 3,160 |
| Net interest margin | 3.5016% | 3,905 |
| Noninterest income to average assets | 0.2552% | 5,521 |
| Noninterest expense to average assets | 3.2469% | 2,286 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2622% | 5,649 |
| Return on assets (ROA) | 0.3400% | 5,484 |
| Pretax return on assets | 0.3400% | 5,627 |
| Return on Equity (ROE) | 3.6381% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.2934% | 4,619 |
| Net charge-offs to loans | 0.4186% | 1,598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.9043% | 4,783 |
| Efficiency ratio | 92.5291% | 840 |
| Assets per employee ($millions) | 6.8061% | 845 |
| Cash dividends to net income (ytd only)* | 36.9615% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 2,622 |
| Loan loss allowance to noncurrent loans | 135.4868% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 3,253 |
| Noncurrent loans to loans | 1.2077% | 3,126 |
| Net loans and leases to total assets | 69.2170% | 2,141 |
| Net loans and leases to deposits | 95.4253% | 772 |
| Net loans and leases to core deposits | 106.4393% | 771 |
| Total domestic deposits to total assets | 72.5353% | 6,383 |
| Equity capital to assets | 8.9595% | 5,087 |
| Core capital (leverage) ratio | 9.6815% | 4,013 |
| Tier 1 risk-based capital ratio | 11.6679% | 5,816 |
| Total risk-based capital ratio | 12.9190% | 5,752 |
| Memoranda: | ||
| Average total assets | $129,692,600 | 4,081 |
| Average earning assets | $120,517,800 | 4,035 |
| Average equity | $12,121,800 | 4,418 |
| Average total loans | $89,825,200 | 3,698 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 4,019 |
| Cost of funding earning assets | 0.5398% | 3,363 |
| Net interest margin | 3.4887% | 3,926 |
| Noninterest income to average assets | 0.2527% | 5,625 |
| Noninterest expense to average assets | 3.2278% | 2,275 |
| Loan and lease loss provision to assets | 0.0236% | 4,536 |
| Net operating income to assets | 0.2414% | 5,802 |
| Return on assets (ROA) | 0.2784% | 5,792 |
| Pretax return on assets | 0.2784% | 5,919 |
| Return on Equity (ROE) | 2.9482% | 5,621 |
| Retained earnings to average equity (ytd only) | 1.6101% | 5,329 |
| Net charge-offs to loans | 0.5301% | 1,212 |
| Credit loss provision to net charge-offs | 6.4607% | 4,262 |
| Earnings coverage of net charge-offs (x) | 0.7247% | 4,610 |
| Efficiency ratio | 92.4118% | 828 |
| Assets per employee ($millions) | 6.6565% | 869 |
| Cash dividends to net income (ytd only)* | 45.3891% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 2,557 |
| Loan loss allowance to noncurrent loans | 56.0351% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.2760% | 1,736 |
| Noncurrent loans to loans | 3.0713% | 1,298 |
| Net loans and leases to total assets | 65.7140% | 2,685 |
| Net loans and leases to deposits | 80.6128% | 2,323 |
| Net loans and leases to core deposits | 93.7523% | 1,593 |
| Total domestic deposits to total assets | 81.5181% | 5,080 |
| Equity capital to assets | 8.8575% | 5,346 |
| Core capital (leverage) ratio | 9.6784% | 4,133 |
| Tier 1 risk-based capital ratio | 11.7288% | 5,934 |
| Total risk-based capital ratio | 12.9814% | 5,890 |
| Memoranda: | ||
| Average total assets | $129,787,000 | 4,121 |
| Average earning assets | $120,538,000 | 4,091 |
| Average equity | $12,255,750 | 4,446 |
| Average total loans | $89,532,250 | 3,729 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 4,027 |
| Cost of funding earning assets | 0.5492% | 3,423 |
| Net interest margin | 3.4727% | 3,910 |
| Noninterest income to average assets | 0.2611% | 5,592 |
| Noninterest expense to average assets | 3.2470% | 2,222 |
| Loan and lease loss provision to assets | 0.0357% | 4,234 |
| Net operating income to assets | 0.2021% | 5,882 |
| Return on assets (ROA) | 0.2580% | 5,881 |
| Pretax return on assets | 0.2580% | 5,984 |
| Return on Equity (ROE) | 2.6752% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.3537% | 5,346 |
| Net charge-offs to loans | 0.5173% | 1,268 |
| Credit loss provision to net charge-offs | 9.9138% | 3,903 |
| Earnings coverage of net charge-offs (x) | 0.6595% | 4,303 |
| Efficiency ratio | 93.1757% | 803 |
| Assets per employee ($millions) | 6.7116% | 821 |
| Cash dividends to net income (ytd only)* | 49.3976% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8678% | 2,202 |
| Loan loss allowance to noncurrent loans | 56.7123% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 2.9901% | 1,360 |
| Noncurrent loans to loans | 3.2934% | 1,326 |
| Net loans and leases to total assets | 68.2293% | 2,191 |
| Net loans and leases to deposits | 91.6480% | 994 |
| Net loans and leases to core deposits | 106.4372% | 719 |
| Total domestic deposits to total assets | 74.4471% | 6,408 |
| Equity capital to assets | 9.3264% | 4,819 |
| Core capital (leverage) ratio | 9.8293% | 3,754 |
| Tier 1 risk-based capital ratio | 11.7988% | 5,911 |
| Total risk-based capital ratio | 13.0530% | 5,862 |
| Memoranda: | ||
| Average total assets | $128,672,670 | 4,168 |
| Average earning assets | $119,444,330 | 4,129 |
| Average equity | $12,410,330 | 4,440 |
| Average total loans | $89,704,000 | 3,730 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,941 |
| Cost of funding earning assets | 0.5620% | 3,461 |
| Net interest margin | 3.4821% | 3,774 |
| Noninterest income to average assets | 0.3033% | 5,271 |
| Noninterest expense to average assets | 3.1474% | 2,521 |
| Loan and lease loss provision to assets | 0.0712% | 3,442 |
| Net operating income to assets | 0.3064% | 5,548 |
| Return on assets (ROA) | 0.3621% | 5,432 |
| Pretax return on assets | 0.3621% | 5,671 |
| Return on Equity (ROE) | 3.6941% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.4311% | 4,812 |
| Net charge-offs to loans | 0.3059% | 1,738 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 1.7681% | 3,245 |
| Efficiency ratio | 89.2888% | 1,209 |
| Assets per employee ($millions) | 7.0559% | 746 |
| Cash dividends to net income (ytd only)* | 34.1880% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9840% | 2,090 |
| Loan loss allowance to noncurrent loans | 59.0201% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 3.8911% | 1,049 |
| Noncurrent loans to loans | 3.3615% | 1,441 |
| Net loans and leases to total assets | 70.7567% | 1,549 |
| Net loans and leases to deposits | 97.6337% | 464 |
| Net loans and leases to core deposits | 110.5703% | 480 |
| Total domestic deposits to total assets | 72.4716% | 6,636 |
| Equity capital to assets | 9.9727% | 4,184 |
| Core capital (leverage) ratio | 9.7561% | 3,724 |
| Tier 1 risk-based capital ratio | 11.5807% | 6,136 |
| Total risk-based capital ratio | 12.8365% | 6,105 |
| Memoranda: | ||
| Average total assets | $129,249,000 | 4,199 |
| Average earning assets | $119,583,500 | 4,161 |
| Average equity | $12,669,000 | 4,438 |
| Average total loans | $90,225,000 | 3,743 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 4,943 |
| Cost of funding earning assets | 0.7625% | 2,990 |
| Net interest margin | 3.3388% | 5,108 |
| Noninterest income to average assets | 0.0288% | 6,757 |
| Noninterest expense to average assets | 3.0323% | 3,155 |
| Loan and lease loss provision to assets | 0.1485% | 3,751 |
| Net operating income to assets | -0.0584% | 6,246 |
| Return on assets (ROA) | 0.1824% | 5,990 |
| Pretax return on assets | 0.1824% | 6,017 |
| Return on Equity (ROE) | 1.9927% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.0239% | 5,365 |
| Net charge-offs to loans | 0.4733% | 2,346 |
| Credit loss provision to net charge-offs | 46.8182% | 4,764 |
| Earnings coverage of net charge-offs (x) | 0.2841% | 5,340 |
| Efficiency ratio | 97.1138% | 657 |
| Assets per employee ($millions) | 6.9206% | 795 |
| Cash dividends to net income (ytd only)* | 48.6166% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 1,767 |
| Loan loss allowance to noncurrent loans | 53.4078% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 3.7349% | 1,190 |
| Noncurrent loans to loans | 3.9340% | 1,211 |
| Net loans and leases to total assets | 66.0882% | 2,511 |
| Net loans and leases to deposits | 95.3447% | 658 |
| Net loans and leases to core deposits | 106.0532% | 691 |
| Total domestic deposits to total assets | 69.3150% | 6,812 |
| Equity capital to assets | 9.6372% | 4,680 |
| Core capital (leverage) ratio | 9.2184% | 4,548 |
| Tier 1 risk-based capital ratio | 11.8502% | 5,873 |
| Total risk-based capital ratio | 13.1068% | 5,833 |
| Memoranda: | ||
| Average total assets | $138,704,800 | 3,970 |
| Average earning assets | $128,519,000 | 3,935 |
| Average equity | $12,696,400 | 4,419 |
| Average total loans | $92,963,600 | 3,678 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 5,201 |
| Cost of funding earning assets | 0.8160% | 2,811 |
| Net interest margin | 3.2805% | 5,454 |
| Noninterest income to average assets | 0.1670% | 6,304 |
| Noninterest expense to average assets | 2.9302% | 3,479 |
| Loan and lease loss provision to assets | 0.1101% | 4,193 |
| Net operating income to assets | 0.1670% | 5,994 |
| Return on assets (ROA) | 0.3055% | 5,799 |
| Pretax return on assets | 0.3055% | 5,945 |
| Return on Equity (ROE) | 3.3798% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.3092% | 5,180 |
| Net charge-offs to loans | 0.4496% | 2,309 |
| Credit loss provision to net charge-offs | 36.5931% | 4,691 |
| Earnings coverage of net charge-offs (x) | 0.9211% | 4,864 |
| Efficiency ratio | 91.3609% | 934 |
| Assets per employee ($millions) | 6.9655% | 758 |
| Cash dividends to net income (ytd only)* | 31.6780% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0516% | 2,031 |
| Loan loss allowance to noncurrent loans | 63.9488% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 3.1950% | 1,610 |
| Noncurrent loans to loans | 3.2082% | 1,719 |
| Net loans and leases to total assets | 65.0456% | 2,827 |
| Net loans and leases to deposits | 93.1755% | 857 |
| Net loans and leases to core deposits | 102.8921% | 938 |
| Total domestic deposits to total assets | 69.8098% | 6,855 |
| Equity capital to assets | 9.2664% | 5,513 |
| Core capital (leverage) ratio | 8.8698% | 5,237 |
| Tier 1 risk-based capital ratio | 11.5945% | 6,171 |
| Total risk-based capital ratio | 12.8535% | 6,139 |
| Memoranda: | ||
| Average total assets | $140,508,250 | 3,980 |
| Average earning assets | $130,221,500 | 3,932 |
| Average equity | $12,702,500 | 4,464 |
| Average total loans | $94,013,250 | 3,695 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 5,172 |
| Cost of funding earning assets | 0.9080% | 2,333 |
| Net interest margin | 3.2299% | 5,646 |
| Noninterest income to average assets | 0.1717% | 6,324 |
| Noninterest expense to average assets | 2.9296% | 3,510 |
| Loan and lease loss provision to assets | 0.1065% | 4,192 |
| Net operating income to assets | 0.1348% | 6,080 |
| Return on assets (ROA) | 0.3421% | 5,682 |
| Pretax return on assets | 0.3421% | 5,852 |
| Return on Equity (ROE) | 3.8152% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.8495% | 4,727 |
| Net charge-offs to loans | 0.2963% | 2,841 |
| Credit loss provision to net charge-offs | 53.5714% | 3,962 |
| Earnings coverage of net charge-offs (x) | 1.2143% | 4,400 |
| Efficiency ratio | 92.3903% | 905 |
| Assets per employee ($millions) | 6.6999% | 855 |
| Cash dividends to net income (ytd only)* | 25.3112% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 1,867 |
| Loan loss allowance to noncurrent loans | 64.9011% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 3.5090% | 1,518 |
| Noncurrent loans to loans | 3.3253% | 1,752 |
| Net loans and leases to total assets | 65.5394% | 2,761 |
| Net loans and leases to deposits | 90.6171% | 1,082 |
| Net loans and leases to core deposits | 100.3777% | 1,073 |
| Total domestic deposits to total assets | 72.3256% | 6,782 |
| Equity capital to assets | 9.0521% | 5,647 |
| Core capital (leverage) ratio | 9.2343% | 4,547 |
| Tier 1 risk-based capital ratio | 11.3384% | 6,321 |
| Total risk-based capital ratio | 12.5957% | 6,286 |
| Memoranda: | ||
| Average total assets | $140,907,670 | 3,991 |
| Average earning assets | $130,838,670 | 3,942 |
| Average equity | $12,633,670 | 4,473 |
| Average total loans | $94,513,330 | 3,705 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 5,051 |
| Cost of funding earning assets | 0.9722% | 2,142 |
| Net interest margin | 3.2436% | 5,647 |
| Noninterest income to average assets | 0.1815% | 6,295 |
| Noninterest expense to average assets | 2.8621% | 3,778 |
| Loan and lease loss provision to assets | 0.1702% | 3,269 |
| Net operating income to assets | 0.1589% | 6,098 |
| Return on assets (ROA) | 0.1589% | 6,228 |
| Pretax return on assets | 0.1589% | 6,274 |
| Return on Equity (ROE) | 1.7803% | 6,141 |
| Retained earnings to average equity (ytd only) | 1.7803% | 5,356 |
| Net charge-offs to loans | 0.3001% | 2,460 |
| Credit loss provision to net charge-offs | 84.5070% | 2,652 |
| Earnings coverage of net charge-offs (x) | 1.6338% | 3,504 |
| Efficiency ratio | 89.6889% | 1,125 |
| Assets per employee ($millions) | 7.5999% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 1,740 |
| Loan loss allowance to noncurrent loans | 47.4114% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 4.7420% | 1,110 |
| Noncurrent loans to loans | 4.7849% | 1,188 |
| Net loans and leases to total assets | 65.7546% | 2,508 |
| Net loans and leases to deposits | 97.4097% | 462 |
| Net loans and leases to core deposits | 108.4087% | 592 |
| Total domestic deposits to total assets | 67.5032% | 7,064 |
| Equity capital to assets | 9.2362% | 5,179 |
| Core capital (leverage) ratio | 8.8478% | 5,068 |
| Tier 1 risk-based capital ratio | 11.4310% | 6,324 |
| Total risk-based capital ratio | 12.6896% | 6,300 |
| Memoranda: | ||
| Average total assets | $141,013,000 | 4,014 |
| Average earning assets | $130,841,000 | 3,973 |
| Average equity | $12,582,500 | 4,489 |
| Average total loans | $94,647,000 | 3,715 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 5,126 |
| Cost of funding earning assets | 1.3550% | 1,219 |
| Net interest margin | 3.1331% | 6,265 |
| Noninterest income to average assets | -0.4247% | 7,245 |
| Noninterest expense to average assets | 2.5429% | 5,322 |
| Loan and lease loss provision to assets | 1.2550% | 672 |
| Net operating income to assets | -1.3623% | 6,875 |
| Return on assets (ROA) | -1.0696% | 6,798 |
| Pretax return on assets | -1.0696% | 6,765 |
| Return on Equity (ROE) | -12.7710% | 6,824 |
| Retained earnings to average equity (ytd only) | -13.2004% | 6,817 |
| Net charge-offs to loans | 1.8700% | 769 |
| Credit loss provision to net charge-offs | 100.8973% | 3,452 |
| Earnings coverage of net charge-offs (x) | -0.0862% | 5,890 |
| Efficiency ratio | 104.4043% | 558 |
| Assets per employee ($millions) | 9.0768% | 319 |
| Cash dividends to net income (ytd only)* | -3.3623% | 7,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 1,881 |
| Loan loss allowance to noncurrent loans | 50.5418% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 4.2884% | 1,301 |
| Noncurrent loans to loans | 4.2702% | 1,430 |
| Net loans and leases to total assets | 65.5218% | 2,873 |
| Net loans and leases to deposits | 95.0163% | 743 |
| Net loans and leases to core deposits | 108.6417% | 672 |
| Total domestic deposits to total assets | 68.9585% | 7,036 |
| Equity capital to assets | 8.6278% | 5,981 |
| Core capital (leverage) ratio | 8.2391% | 5,940 |
| Tier 1 risk-based capital ratio | 10.9056% | 6,501 |
| Total risk-based capital ratio | 12.1628% | 6,481 |
| Memoranda: | ||
| Average total assets | $161,275,400 | 3,612 |
| Average earning assets | $147,235,400 | 3,621 |
| Average equity | $13,507,200 | 4,238 |
| Average total loans | $107,275,400 | 3,442 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 5,144 |
| Cost of funding earning assets | 1.4306% | 1,105 |
| Net interest margin | 3.1043% | 6,374 |
| Noninterest income to average assets | -0.4735% | 7,349 |
| Noninterest expense to average assets | 2.4498% | 5,627 |
| Loan and lease loss provision to assets | 0.8841% | 1,026 |
| Net operating income to assets | -0.9857% | 6,878 |
| Return on assets (ROA) | -0.7147% | 6,794 |
| Pretax return on assets | -0.7147% | 6,742 |
| Return on Equity (ROE) | -8.5903% | 6,847 |
| Retained earnings to average equity (ytd only) | -9.1430% | 6,825 |
| Net charge-offs to loans | 1.6578% | 842 |
| Credit loss provision to net charge-offs | 80.2930% | 4,132 |
| Earnings coverage of net charge-offs (x) | -0.0923% | 5,654 |
| Efficiency ratio | 104.3284% | 543 |
| Assets per employee ($millions) | 8.9975% | 333 |
| Cash dividends to net income (ytd only)* | -6.4336% | 7,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 3,074 |
| Loan loss allowance to noncurrent loans | 35.9809% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 4.6850% | 1,262 |
| Noncurrent loans to loans | 4.8887% | 1,293 |
| Net loans and leases to total assets | 66.1630% | 2,866 |
| Net loans and leases to deposits | 91.2847% | 1,074 |
| Net loans and leases to core deposits | 110.0729% | 671 |
| Total domestic deposits to total assets | 72.4798% | 6,898 |
| Equity capital to assets | 8.7600% | 6,021 |
| Core capital (leverage) ratio | 8.0587% | 6,333 |
| Tier 1 risk-based capital ratio | 10.9224% | 6,589 |
| Total risk-based capital ratio | 12.1759% | 6,563 |
| Memoranda: | ||
| Average total assets | $165,287,250 | 3,584 |
| Average earning assets | $150,238,750 | 3,600 |
| Average equity | $13,751,500 | 4,174 |
| Average total loans | $109,780,500 | 3,417 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 5,218 |
| Cost of funding earning assets | 1.4713% | 1,110 |
| Net interest margin | 3.0686% | 6,471 |
| Noninterest income to average assets | 0.0909% | 6,874 |
| Noninterest expense to average assets | 2.5089% | 5,499 |
| Loan and lease loss provision to assets | 0.6801% | 1,412 |
| Net operating income to assets | -0.3105% | 6,562 |
| Return on assets (ROA) | -0.1582% | 6,468 |
| Pretax return on assets | -0.1582% | 6,421 |
| Return on Equity (ROE) | -1.9324% | 6,510 |
| Retained earnings to average equity (ytd only) | -3.1149% | 6,384 |
| Net charge-offs to loans | 1.1139% | 1,413 |
| Credit loss provision to net charge-offs | 92.3077% | 3,395 |
| Earnings coverage of net charge-offs (x) | 0.5016% | 4,930 |
| Efficiency ratio | 87.1616% | 1,495 |
| Assets per employee ($millions) | 9.2341% | 302 |
| Cash dividends to net income (ytd only)* | -61.1940% | 7,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 2,754 |
| Loan loss allowance to noncurrent loans | 39.6760% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 4.5652% | 1,374 |
| Noncurrent loans to loans | 4.7255% | 1,392 |
| Net loans and leases to total assets | 64.0142% | 3,456 |
| Net loans and leases to deposits | 86.0981% | 1,779 |
| Net loans and leases to core deposits | 108.1312% | 807 |
| Total domestic deposits to total assets | 74.3504% | 6,801 |
| Equity capital to assets | 8.3291% | 6,387 |
| Core capital (leverage) ratio | 8.2466% | 5,956 |
| Tier 1 risk-based capital ratio | 11.0043% | 6,530 |
| Total risk-based capital ratio | 12.2590% | 6,511 |
| Memoranda: | ||
| Average total assets | $169,397,330 | 3,549 |
| Average earning assets | $153,881,670 | 3,565 |
| Average equity | $13,869,000 | 4,149 |
| Average total loans | $112,036,330 | 3,411 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 4,994 |
| Cost of funding earning assets | 1.4825% | 1,246 |
| Net interest margin | 3.1071% | 6,333 |
| Noninterest income to average assets | 0.1614% | 6,573 |
| Noninterest expense to average assets | 2.4446% | 5,751 |
| Loan and lease loss provision to assets | 0.4117% | 2,132 |
| Net operating income to assets | 0.1193% | 6,040 |
| Return on assets (ROA) | 0.2012% | 5,841 |
| Pretax return on assets | 0.2012% | 5,937 |
| Return on Equity (ROE) | 2.4781% | 5,606 |
| Retained earnings to average equity (ytd only) | 1.2967% | 5,309 |
| Net charge-offs to loans | 0.6290% | 1,943 |
| Credit loss provision to net charge-offs | 98.3240% | 2,779 |
| Earnings coverage of net charge-offs (x) | 1.2682% | 3,719 |
| Efficiency ratio | 82.1541% | 2,204 |
| Assets per employee ($millions) | 8.5479% | 386 |
| Cash dividends to net income (ytd only)* | 47.6744% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 2,961 |
| Loan loss allowance to noncurrent loans | 64.1160% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 3.6337% | 1,872 |
| Noncurrent loans to loans | 2.8321% | 2,668 |
| Net loans and leases to total assets | 65.7235% | 3,088 |
| Net loans and leases to deposits | 88.9127% | 1,363 |
| Net loans and leases to core deposits | 111.9627% | 660 |
| Total domestic deposits to total assets | 73.9192% | 6,911 |
| Equity capital to assets | 8.1096% | 6,381 |
| Core capital (leverage) ratio | 8.2673% | 5,875 |
| Tier 1 risk-based capital ratio | 10.4921% | 6,810 |
| Total risk-based capital ratio | 11.7417% | 6,794 |
| Memoranda: | ||
| Average total assets | $170,989,500 | 3,543 |
| Average earning assets | $154,870,000 | 3,566 |
| Average equity | $13,881,500 | 4,131 |
| Average total loans | $113,838,000 | 3,391 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 5,447 |
| Cost of funding earning assets | 1.6742% | 1,714 |
| Net interest margin | 3.1166% | 6,472 |
| Noninterest income to average assets | 0.0972% | 6,910 |
| Noninterest expense to average assets | 3.3347% | 2,625 |
| Loan and lease loss provision to assets | 0.6533% | 2,527 |
| Net operating income to assets | -1.0207% | 6,694 |
| Return on assets (ROA) | -0.4641% | 6,394 |
| Pretax return on assets | -0.4641% | 6,296 |
| Return on Equity (ROE) | -5.3222% | 6,458 |
| Retained earnings to average equity (ytd only) | -6.4038% | 6,420 |
| Net charge-offs to loans | 0.7568% | 2,748 |
| Credit loss provision to net charge-offs | 127.4972% | 3,156 |
| Earnings coverage of net charge-offs (x) | -0.7172% | 6,531 |
| Efficiency ratio | 112.3837% | 502 |
| Assets per employee ($millions) | 10.0601% | 243 |
| Cash dividends to net income (ytd only)* | -20.3222% | 7,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 2,725 |
| Loan loss allowance to noncurrent loans | 84.6279% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 3.1750% | 2,230 |
| Noncurrent loans to loans | 2.1715% | 3,345 |
| Net loans and leases to total assets | 64.9963% | 3,667 |
| Net loans and leases to deposits | 89.8864% | 1,539 |
| Net loans and leases to core deposits | 115.3366% | 663 |
| Total domestic deposits to total assets | 72.3094% | 7,058 |
| Equity capital to assets | 8.1270% | 6,350 |
| Core capital (leverage) ratio | 8.0071% | 6,193 |
| Tier 1 risk-based capital ratio | 10.5514% | 6,666 |
| Total risk-based capital ratio | 11.8053% | 6,640 |
| Memoranda: | ||
| Average total assets | $173,898,200 | 3,469 |
| Average earning assets | $160,140,600 | 3,448 |
| Average equity | $15,162,800 | 3,914 |
| Average total loans | $117,726,200 | 3,366 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 5,457 |
| Cost of funding earning assets | 1.7020% | 1,870 |
| Net interest margin | 3.1513% | 6,485 |
| Noninterest income to average assets | 0.1588% | 6,728 |
| Noninterest expense to average assets | 2.4426% | 5,911 |
| Loan and lease loss provision to assets | 0.8025% | 1,895 |
| Net operating income to assets | -0.1810% | 6,298 |
| Return on assets (ROA) | 0.3176% | 5,266 |
| Pretax return on assets | 0.3176% | 5,453 |
| Return on Equity (ROE) | 3.5833% | 4,972 |
| Retained earnings to average equity (ytd only) | 2.5238% | 4,655 |
| Net charge-offs to loans | 0.3085% | 4,109 |
| Credit loss provision to net charge-offs | 382.1818% | 812 |
| Earnings coverage of net charge-offs (x) | 2.9600% | 3,649 |
| Efficiency ratio | 79.7159% | 2,384 |
| Assets per employee ($millions) | 10.4918% | 232 |
| Cash dividends to net income (ytd only)* | 29.5682% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2585% | 1,689 |
| Loan loss allowance to noncurrent loans | 77.7150% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 4.6367% | 1,446 |
| Noncurrent loans to loans | 2.9061% | 2,749 |
| Net loans and leases to total assets | 63.3782% | 4,240 |
| Net loans and leases to deposits | 91.6515% | 1,497 |
| Net loans and leases to core deposits | 118.6407% | 667 |
| Total domestic deposits to total assets | 69.1513% | 7,319 |
| Equity capital to assets | 8.7822% | 5,886 |
| Core capital (leverage) ratio | 8.4890% | 5,532 |
| Tier 1 risk-based capital ratio | 11.0009% | 6,385 |
| Total risk-based capital ratio | 12.2584% | 6,353 |
| Memoranda: | ||
| Average total assets | $174,617,250 | 3,504 |
| Average earning assets | $160,986,250 | 3,478 |
| Average equity | $15,478,750 | 3,912 |
| Average total loans | $118,848,000 | 3,389 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9302% | 5,269 |
| Cost of funding earning assets | 1.7326% | 1,955 |
| Net interest margin | 3.1976% | 6,327 |
| Noninterest income to average assets | 0.1604% | 6,748 |
| Noninterest expense to average assets | 2.3672% | 6,160 |
| Loan and lease loss provision to assets | 0.6091% | 2,361 |
| Net operating income to assets | 0.1477% | 5,727 |
| Return on assets (ROA) | 0.3991% | 4,919 |
| Pretax return on assets | 0.3991% | 5,228 |
| Return on Equity (ROE) | 4.4886% | 4,549 |
| Retained earnings to average equity (ytd only) | 3.4248% | 3,931 |
| Net charge-offs to loans | 0.2452% | 4,128 |
| Credit loss provision to net charge-offs | 359.1837% | 1,021 |
| Earnings coverage of net charge-offs (x) | 4.4626% | 2,945 |
| Efficiency ratio | 75.7755% | 3,110 |
| Assets per employee ($millions) | 9.7998% | 269 |
| Cash dividends to net income (ytd only)* | 23.6994% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 2,489 |
| Loan loss allowance to noncurrent loans | 80.7650% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 4.0460% | 1,699 |
| Noncurrent loans to loans | 2.3227% | 3,342 |
| Net loans and leases to total assets | 65.7415% | 3,884 |
| Net loans and leases to deposits | 95.1820% | 1,128 |
| Net loans and leases to core deposits | 123.3681% | 589 |
| Total domestic deposits to total assets | 69.0692% | 7,385 |
| Equity capital to assets | 8.9769% | 5,488 |
| Core capital (leverage) ratio | 8.2918% | 5,788 |
| Tier 1 risk-based capital ratio | 10.7226% | 6,509 |
| Total risk-based capital ratio | 11.9767% | 6,491 |
| Memoranda: | ||
| Average total assets | $173,369,330 | 3,546 |
| Average earning assets | $160,682,000 | 3,500 |
| Average equity | $15,417,000 | 3,908 |
| Average total loans | $119,912,670 | 3,411 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 4,995 |
| Cost of funding earning assets | 1.7474% | 2,139 |
| Net interest margin | 3.2585% | 6,103 |
| Noninterest income to average assets | 0.1513% | 6,884 |
| Noninterest expense to average assets | 2.4276% | 5,990 |
| Loan and lease loss provision to assets | 0.0931% | 5,701 |
| Net operating income to assets | 0.6471% | 3,677 |
| Return on assets (ROA) | 0.6471% | 3,797 |
| Pretax return on assets | 0.6471% | 4,427 |
| Return on Equity (ROE) | 7.3119% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.2336% | 2,504 |
| Net charge-offs to loans | 0.2053% | 3,683 |
| Credit loss provision to net charge-offs | 64.5161% | 4,216 |
| Earnings coverage of net charge-offs (x) | 5.1290% | 2,460 |
| Efficiency ratio | 76.6348% | 3,111 |
| Assets per employee ($millions) | 8.9657% | 360 |
| Cash dividends to net income (ytd only)* | 14.7482% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 3,801 |
| Loan loss allowance to noncurrent loans | 55.5419% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 4.2360% | 1,610 |
| Noncurrent loans to loans | 2.7402% | 2,907 |
| Net loans and leases to total assets | 68.9037% | 3,178 |
| Net loans and leases to deposits | 92.3929% | 1,555 |
| Net loans and leases to core deposits | 124.8867% | 618 |
| Total domestic deposits to total assets | 74.5767% | 6,971 |
| Equity capital to assets | 9.0615% | 5,186 |
| Core capital (leverage) ratio | 8.7497% | 4,941 |
| Tier 1 risk-based capital ratio | 10.6544% | 6,488 |
| Total risk-based capital ratio | 11.9046% | 6,474 |
| Memoranda: | ||
| Average total assets | $171,855,500 | 3,631 |
| Average earning assets | $159,090,500 | 3,579 |
| Average equity | $15,208,000 | 3,981 |
| Average total loans | $120,777,500 | 3,451 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 6,724 |
| Cost of funding earning assets | 1.9898% | 3,003 |
| Net interest margin | 2.9033% | 6,863 |
| Noninterest income to average assets | 0.1522% | 6,972 |
| Noninterest expense to average assets | 2.3485% | 6,609 |
| Loan and lease loss provision to assets | 2.9596% | 593 |
| Net operating income to assets | -2.3978% | 7,227 |
| Return on assets (ROA) | -2.2102% | 7,167 |
| Pretax return on assets | -2.2102% | 7,025 |
| Return on Equity (ROE) | -22.6368% | 7,222 |
| Retained earnings to average equity (ytd only) | -23.6162% | 7,226 |
| Net charge-offs to loans | 3.9140% | 432 |
| Credit loss provision to net charge-offs | 106.7925% | 5,192 |
| Earnings coverage of net charge-offs (x) | 0.2027% | 5,938 |
| Efficiency ratio | 80.6985% | 2,788 |
| Assets per employee ($millions) | 9.1244% | 339 |
| Cash dividends to net income (ytd only)* | -4.3265% | 7,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 3,725 |
| Loan loss allowance to noncurrent loans | 31.3900% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 3.5809% | 1,869 |
| Noncurrent loans to loans | 4.7800% | 1,449 |
| Net loans and leases to total assets | 69.5241% | 3,357 |
| Net loans and leases to deposits | 101.5084% | 789 |
| Net loans and leases to core deposits | 155.5755% | 402 |
| Total domestic deposits to total assets | 68.4910% | 7,515 |
| Equity capital to assets | 8.6408% | 5,679 |
| Core capital (leverage) ratio | 8.4737% | 5,316 |
| Tier 1 risk-based capital ratio | 10.5346% | 6,357 |
| Total risk-based capital ratio | 11.7854% | 6,339 |
| Memoranda: | ||
| Average total assets | $166,274,200 | 3,668 |
| Average earning assets | $157,959,400 | 3,556 |
| Average equity | $16,234,600 | 3,832 |
| Average total loans | $117,732,200 | 3,529 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 6,962 |
| Cost of funding earning assets | 2.0433% | 3,153 |
| Net interest margin | 2.8247% | 7,015 |
| Noninterest income to average assets | 0.1524% | 7,097 |
| Noninterest expense to average assets | 2.4080% | 6,392 |
| Loan and lease loss provision to assets | 3.7697% | 334 |
| Net operating income to assets | -3.3328% | 7,659 |
| Return on assets (ROA) | -3.1188% | 7,622 |
| Pretax return on assets | -3.1188% | 7,535 |
| Return on Equity (ROE) | -31.0035% | 7,630 |
| Retained earnings to average equity (ytd only) | -31.9462% | 7,630 |
| Net charge-offs to loans | 5.1434% | 211 |
| Credit loss provision to net charge-offs | 103.4245% | 4,921 |
| Earnings coverage of net charge-offs (x) | 0.1199% | 5,914 |
| Efficiency ratio | 84.6439% | 2,228 |
| Assets per employee ($millions) | 9.2471% | 344 |
| Cash dividends to net income (ytd only)* | -3.0406% | 7,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 4,236 |
| Loan loss allowance to noncurrent loans | 26.7123% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 3.5732% | 1,846 |
| Noncurrent loans to loans | 5.0371% | 1,299 |
| Net loans and leases to total assets | 69.9832% | 3,519 |
| Net loans and leases to deposits | 110.6664% | 440 |
| Net loans and leases to core deposits | 162.7707% | 343 |
| Total domestic deposits to total assets | 63.2380% | 7,795 |
| Equity capital to assets | 8.6616% | 6,017 |
| Core capital (leverage) ratio | 8.5375% | 5,423 |
| Tier 1 risk-based capital ratio | 10.1656% | 6,817 |
| Total risk-based capital ratio | 11.3253% | 6,852 |
| Memoranda: | ||
| Average total assets | $164,502,000 | 3,713 |
| Average earning assets | $156,804,250 | 3,606 |
| Average equity | $16,548,250 | 3,799 |
| Average total loans | $116,574,000 | 3,579 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 7,122 |
| Cost of funding earning assets | 2.1265% | 3,155 |
| Net interest margin | 2.7308% | 7,136 |
| Noninterest income to average assets | 0.1530% | 7,176 |
| Noninterest expense to average assets | 2.4320% | 6,363 |
| Loan and lease loss provision to assets | 3.6972% | 366 |
| Net operating income to assets | -3.3787% | 7,743 |
| Return on assets (ROA) | -3.1971% | 7,711 |
| Pretax return on assets | -3.1971% | 7,611 |
| Return on Equity (ROE) | -30.2501% | 7,711 |
| Retained earnings to average equity (ytd only) | -31.1329% | 7,704 |
| Net charge-offs to loans | 3.7862% | 389 |
| Credit loss provision to net charge-offs | 137.8479% | 3,390 |
| Earnings coverage of net charge-offs (x) | 0.1187% | 5,548 |
| Efficiency ratio | 88.4215% | 1,958 |
| Assets per employee ($millions) | 8.3969% | 423 |
| Cash dividends to net income (ytd only)* | -2.9183% | 7,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 1,677 |
| Loan loss allowance to noncurrent loans | 100.0428% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.3922% | 4,175 |
| Noncurrent loans to loans | 1.9476% | 3,599 |
| Net loans and leases to total assets | 70.0884% | 3,685 |
| Net loans and leases to deposits | 121.9299% | 202 |
| Net loans and leases to core deposits | 165.2719% | 380 |
| Total domestic deposits to total assets | 57.4825% | 7,987 |
| Equity capital to assets | 9.6178% | 4,470 |
| Core capital (leverage) ratio | 9.6509% | 3,702 |
| Tier 1 risk-based capital ratio | 11.4455% | 5,449 |
| Total risk-based capital ratio | 12.7006% | 5,359 |
| Memoranda: | ||
| Average total assets | $160,771,000 | 3,812 |
| Average earning assets | $152,924,000 | 3,683 |
| Average equity | $16,991,670 | 3,714 |
| Average total loans | $113,887,330 | 3,675 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 7,396 |
| Cost of funding earning assets | 2.1112% | 3,599 |
| Net interest margin | 2.6691% | 7,267 |
| Noninterest income to average assets | 0.1654% | 7,121 |
| Noninterest expense to average assets | 2.2674% | 6,640 |
| Loan and lease loss provision to assets | 0.4402% | 2,722 |
| Net operating income to assets | -0.0102% | 6,270 |
| Return on assets (ROA) | 0.1069% | 6,125 |
| Pretax return on assets | 0.1069% | 6,153 |
| Return on Equity (ROE) | 0.9649% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.1608% | 5,593 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0566% | 2,301 |
| Assets per employee ($millions) | 8.8908% | 370 |
| Cash dividends to net income (ytd only)* | 83.3333% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 3,007 |
| Loan loss allowance to noncurrent loans | 75.8837% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 4,022 |
| Noncurrent loans to loans | 1.9737% | 3,298 |
| Net loans and leases to total assets | 66.0311% | 4,579 |
| Net loans and leases to deposits | 101.9244% | 1,182 |
| Net loans and leases to core deposits | 170.0506% | 341 |
| Total domestic deposits to total assets | 64.7844% | 7,806 |
| Equity capital to assets | 11.2423% | 2,774 |
| Core capital (leverage) ratio | 12.0748% | 1,869 |
| Tier 1 risk-based capital ratio | 14.0556% | 3,552 |
| Total risk-based capital ratio | 15.3061% | 3,476 |
| Memoranda: | ||
| Average total assets | $157,187,500 | 3,881 |
| Average earning assets | $149,112,000 | 3,770 |
| Average equity | $17,411,500 | 3,651 |
| Average total loans | $110,809,000 | 3,774 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9854% | 5,617 |
| Cost of funding earning assets | 2.3878% | 4,773 |
| Net interest margin | 3.5977% | 4,901 |
| Noninterest income to average assets | 0.1211% | 7,513 |
| Noninterest expense to average assets | 3.0730% | 3,810 |
| Loan and lease loss provision to assets | 0.4668% | 2,962 |
| Net operating income to assets | 0.0592% | 6,208 |
| Return on assets (ROA) | 0.2431% | 5,541 |
| Pretax return on assets | 0.2431% | 5,641 |
| Return on Equity (ROE) | 1.7694% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.7694% | 4,142 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3844% | 1,914 |
| Assets per employee ($millions) | 8.0806% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 3,167 |
| Loan loss allowance to noncurrent loans | 139.3413% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 4,966 |
| Noncurrent loans to loans | 1.0085% | 4,569 |
| Net loans and leases to total assets | 73.4658% | 3,242 |
| Net loans and leases to deposits | 127.4827% | 249 |
| Net loans and leases to core deposits | 244.4770% | 76 |
| Total domestic deposits to total assets | 57.6281% | 8,022 |
| Equity capital to assets | 10.8848% | 3,132 |
| Core capital (leverage) ratio | 11.7072% | 2,124 |
| Tier 1 risk-based capital ratio | 12.3521% | 4,551 |
| Total risk-based capital ratio | 13.5588% | 4,465 |
| Memoranda: | ||
| Average total assets | $113,115,800 | 4,690 |
| Average earning assets | $109,348,600 | 4,527 |
| Average equity | $15,541,600 | 4,017 |
| Average total loans | $85,905,400 | 4,331 |