Home > Bank of New Orleans > Performance and Condition Ratios
Bank of New Orleans, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,225 |
| Cost of funding earning assets | 0.6793% | 937 |
| Net interest margin | 3.3352% | 4,157 |
| Noninterest income to average assets | 0.5831% | 2,834 |
| Noninterest expense to average assets | 2.2942% | 4,856 |
| Loan and lease loss provision to assets | 0.0695% | 2,722 |
| Net operating income to assets | 0.9486% | 2,639 |
| Return on assets (ROA) | 0.9486% | 2,757 |
| Pretax return on assets | 1.4294% | 1,866 |
| Return on Equity (ROE) | 6.5254% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.5254% | 1,933 |
| Net charge-offs to loans | -0.0050% | 4,738 |
| Credit loss provision to net charge-offs | -1,671.4286% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4826% | 4,917 |
| Assets per employee ($millions) | 5.0320% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 5,445 |
| Loan loss allowance to noncurrent loans | 165.5814% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 4,187 |
| Noncurrent loans to loans | 0.5175% | 3,904 |
| Net loans and leases to total assets | 83.0485% | 468 |
| Net loans and leases to deposits | 133.0657% | 35 |
| Net loans and leases to core deposits | 139.1358% | 172 |
| Total domestic deposits to total assets | 62.4117% | 6,223 |
| Equity capital to assets | 14.3236% | 871 |
| Core capital (leverage) ratio | 14.8786% | 639 |
| Tier 1 risk-based capital ratio | 23.3035% | 1,036 |
| Total risk-based capital ratio | 24.4731% | 1,033 |
| Memoranda: | ||
| Average total assets | $336,498,670 | 1,973 |
| Average earning assets | $323,882,000 | 1,895 |
| Average equity | $48,916,670 | 1,534 |
| Average total loans | $281,710,670 | 1,552 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,160 |
| Cost of funding earning assets | 0.6932% | 878 |
| Net interest margin | 3.3266% | 4,105 |
| Noninterest income to average assets | 0.4735% | 3,480 |
| Noninterest expense to average assets | 2.3688% | 4,689 |
| Loan and lease loss provision to assets | -0.0097% | 6,100 |
| Net operating income to assets | 0.8733% | 2,881 |
| Return on assets (ROA) | 0.8733% | 3,005 |
| Pretax return on assets | 1.3142% | 2,221 |
| Return on Equity (ROE) | 5.9618% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.9618% | 2,524 |
| Net charge-offs to loans | -0.0072% | 4,607 |
| Credit loss provision to net charge-offs | 160.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4854% | 4,402 |
| Assets per employee ($millions) | 4.6458% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 5,559 |
| Loan loss allowance to noncurrent loans | 155.0820% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 4,180 |
| Noncurrent loans to loans | 0.5506% | 3,928 |
| Net loans and leases to total assets | 83.2582% | 358 |
| Net loans and leases to deposits | 129.0926% | 35 |
| Net loans and leases to core deposits | 135.2512% | 193 |
| Total domestic deposits to total assets | 64.4950% | 6,270 |
| Equity capital to assets | 14.8148% | 750 |
| Core capital (leverage) ratio | 14.7590% | 647 |
| Tier 1 risk-based capital ratio | 24.1818% | 975 |
| Total risk-based capital ratio | 25.3544% | 967 |
| Memoranda: | ||
| Average total assets | $331,143,500 | 2,015 |
| Average earning assets | $318,521,500 | 1,932 |
| Average equity | $48,508,500 | 1,552 |
| Average total loans | $277,144,000 | 1,574 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 3,304 |
| Cost of funding earning assets | 0.9311% | 325 |
| Net interest margin | 3.1752% | 5,003 |
| Noninterest income to average assets | 0.6111% | 2,792 |
| Noninterest expense to average assets | 2.2957% | 5,123 |
| Loan and lease loss provision to assets | 0.0591% | 3,350 |
| Net operating income to assets | 0.8671% | 3,036 |
| Return on assets (ROA) | 0.8671% | 3,129 |
| Pretax return on assets | 1.3148% | 2,195 |
| Return on Equity (ROE) | 6.0513% | 4,117 |
| Retained earnings to average equity (ytd only) | -7.0373% | 6,245 |
| Net charge-offs to loans | 0.0162% | 4,547 |
| Credit loss provision to net charge-offs | 450.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 104.6429% | 502 |
| Efficiency ratio | 62.5607% | 4,819 |
| Assets per employee ($millions) | 4.6172% | 2,845 |
| Cash dividends to net income (ytd only)* | 216.2942% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 5,624 |
| Loan loss allowance to noncurrent loans | 246.4100% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 4,878 |
| Noncurrent loans to loans | 0.3466% | 4,617 |
| Net loans and leases to total assets | 82.7007% | 461 |
| Net loans and leases to deposits | 133.1748% | 36 |
| Net loans and leases to core deposits | 139.7635% | 169 |
| Total domestic deposits to total assets | 62.0994% | 6,386 |
| Equity capital to assets | 13.2664% | 1,240 |
| Core capital (leverage) ratio | 13.2413% | 1,044 |
| Tier 1 risk-based capital ratio | 21.7830% | 1,256 |
| Total risk-based capital ratio | 22.9552% | 1,245 |
| Memoranda: | ||
| Average total assets | $319,898,600 | 2,033 |
| Average earning assets | $308,137,400 | 1,950 |
| Average equity | $45,841,400 | 1,568 |
| Average total loans | $259,830,800 | 1,631 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 3,331 |
| Cost of funding earning assets | 0.9643% | 287 |
| Net interest margin | 3.1467% | 5,126 |
| Noninterest income to average assets | 0.6070% | 2,823 |
| Noninterest expense to average assets | 2.3340% | 5,014 |
| Loan and lease loss provision to assets | 0.0400% | 3,609 |
| Net operating income to assets | 0.8321% | 3,275 |
| Return on assets (ROA) | 0.8321% | 3,360 |
| Pretax return on assets | 1.2657% | 2,513 |
| Return on Equity (ROE) | 5.6961% | 4,396 |
| Retained earnings to average equity (ytd only) | -11.5910% | 6,405 |
| Net charge-offs to loans | 0.0266% | 3,968 |
| Credit loss provision to net charge-offs | 186.2745% | 1,348 |
| Earnings coverage of net charge-offs (x) | 60.8221% | 854 |
| Efficiency ratio | 64.1263% | 4,519 |
| Assets per employee ($millions) | 4.5199% | 2,933 |
| Cash dividends to net income (ytd only)* | 303.4906% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 5,729 |
| Loan loss allowance to noncurrent loans | 229.0192% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 5,032 |
| Noncurrent loans to loans | 0.3736% | 4,790 |
| Net loans and leases to total assets | 81.7797% | 534 |
| Net loans and leases to deposits | 128.5656% | 48 |
| Net loans and leases to core deposits | 139.8186% | 151 |
| Total domestic deposits to total assets | 63.6093% | 6,442 |
| Equity capital to assets | 13.3392% | 1,262 |
| Core capital (leverage) ratio | 13.3105% | 1,058 |
| Tier 1 risk-based capital ratio | 21.9470% | 1,264 |
| Total risk-based capital ratio | 23.1112% | 1,265 |
| Memoranda: | ||
| Average total assets | $316,764,500 | 2,067 |
| Average earning assets | $305,290,250 | 1,979 |
| Average equity | $46,276,250 | 1,561 |
| Average total loans | $255,465,000 | 1,666 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 3,378 |
| Cost of funding earning assets | 0.9821% | 279 |
| Net interest margin | 3.1109% | 5,224 |
| Noninterest income to average assets | 0.4395% | 3,946 |
| Noninterest expense to average assets | 2.3286% | 5,086 |
| Loan and lease loss provision to assets | 0.0412% | 3,492 |
| Net operating income to assets | 0.7033% | 3,825 |
| Return on assets (ROA) | 0.7033% | 3,914 |
| Pretax return on assets | 1.0685% | 3,215 |
| Return on Equity (ROE) | 4.6761% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.6761% | 3,166 |
| Net charge-offs to loans | 0.0697% | 3,005 |
| Credit loss provision to net charge-offs | 73.8636% | 2,406 |
| Earnings coverage of net charge-offs (x) | 19.8864% | 1,605 |
| Efficiency ratio | 67.7241% | 4,054 |
| Assets per employee ($millions) | 4.6541% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 5,866 |
| Loan loss allowance to noncurrent loans | 208.3412% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 4,246 |
| Noncurrent loans to loans | 0.4097% | 4,760 |
| Net loans and leases to total assets | 80.6678% | 605 |
| Net loans and leases to deposits | 123.4247% | 64 |
| Net loans and leases to core deposits | 133.5609% | 191 |
| Total domestic deposits to total assets | 65.3579% | 6,492 |
| Equity capital to assets | 15.1525% | 668 |
| Core capital (leverage) ratio | 15.1195% | 585 |
| Tier 1 risk-based capital ratio | 25.0423% | 870 |
| Total risk-based capital ratio | 26.1930% | 867 |
| Memoranda: | ||
| Average total assets | $315,382,000 | 2,074 |
| Average earning assets | $304,032,000 | 1,984 |
| Average equity | $47,432,670 | 1,515 |
| Average total loans | $252,384,670 | 1,680 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 3,127 |
| Cost of funding earning assets | 0.9860% | 290 |
| Net interest margin | 3.1557% | 5,067 |
| Noninterest income to average assets | 0.4548% | 3,747 |
| Noninterest expense to average assets | 2.2857% | 5,232 |
| Loan and lease loss provision to assets | 0.0267% | 3,480 |
| Net operating income to assets | 0.7788% | 3,257 |
| Return on assets (ROA) | 0.7788% | 3,340 |
| Pretax return on assets | 1.1841% | 2,552 |
| Return on Equity (ROE) | 5.1981% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.1981% | 2,995 |
| Net charge-offs to loans | -0.0016% | 4,684 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3706% | 4,630 |
| Assets per employee ($millions) | 4.4199% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 5,873 |
| Loan loss allowance to noncurrent loans | 165.1694% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 4,320 |
| Noncurrent loans to loans | 0.5433% | 4,541 |
| Net loans and leases to total assets | 78.9373% | 664 |
| Net loans and leases to deposits | 118.3841% | 81 |
| Net loans and leases to core deposits | 133.0608% | 164 |
| Total domestic deposits to total assets | 66.6790% | 6,545 |
| Equity capital to assets | 15.1250% | 649 |
| Core capital (leverage) ratio | 15.0907% | 592 |
| Tier 1 risk-based capital ratio | 25.6209% | 818 |
| Total risk-based capital ratio | 26.8350% | 804 |
| Memoranda: | ||
| Average total assets | $314,832,000 | 2,084 |
| Average earning assets | $303,449,000 | 1,995 |
| Average equity | $47,171,500 | 1,513 |
| Average total loans | $249,828,500 | 1,695 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 2,977 |
| Cost of funding earning assets | 1.0766% | 320 |
| Net interest margin | 3.2189% | 4,935 |
| Noninterest income to average assets | 0.6556% | 2,777 |
| Noninterest expense to average assets | 2.3535% | 5,223 |
| Loan and lease loss provision to assets | 0.0841% | 3,434 |
| Net operating income to assets | 0.8636% | 2,954 |
| Return on assets (ROA) | 0.8636% | 3,036 |
| Pretax return on assets | 1.3218% | 2,069 |
| Return on Equity (ROE) | 5.9918% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.9918% | 1,977 |
| Net charge-offs to loans | -0.0170% | 6,113 |
| Credit loss provision to net charge-offs | -660.0000% | 6,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6038% | 5,112 |
| Assets per employee ($millions) | 4.5122% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 5,960 |
| Loan loss allowance to noncurrent loans | 167.2440% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 4,436 |
| Noncurrent loans to loans | 0.5318% | 4,663 |
| Net loans and leases to total assets | 78.3526% | 778 |
| Net loans and leases to deposits | 116.5803% | 91 |
| Net loans and leases to core deposits | 130.0516% | 194 |
| Total domestic deposits to total assets | 67.2091% | 6,608 |
| Equity capital to assets | 14.8420% | 700 |
| Core capital (leverage) ratio | 14.8002% | 631 |
| Tier 1 risk-based capital ratio | 25.3736% | 823 |
| Total risk-based capital ratio | 26.5797% | 815 |
| Memoranda: | ||
| Average total assets | $314,049,400 | 2,048 |
| Average earning assets | $302,801,800 | 1,957 |
| Average equity | $45,262,000 | 1,544 |
| Average total loans | $235,955,400 | 1,752 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 3,065 |
| Cost of funding earning assets | 1.0995% | 313 |
| Net interest margin | 3.1844% | 5,045 |
| Noninterest income to average assets | 0.7440% | 2,392 |
| Noninterest expense to average assets | 2.3507% | 5,179 |
| Loan and lease loss provision to assets | 0.1033% | 3,040 |
| Net operating income to assets | 0.8873% | 2,897 |
| Return on assets (ROA) | 0.8873% | 3,014 |
| Pretax return on assets | 1.3597% | 2,075 |
| Return on Equity (ROE) | 6.2032% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.2032% | 2,286 |
| Net charge-offs to loans | -0.0247% | 6,113 |
| Credit loss provision to net charge-offs | -565.1163% | 6,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6388% | 5,184 |
| Assets per employee ($millions) | 4.5361% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 6,078 |
| Loan loss allowance to noncurrent loans | 89.8450% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 3,755 |
| Noncurrent loans to loans | 0.9908% | 3,828 |
| Net loans and leases to total assets | 77.2486% | 840 |
| Net loans and leases to deposits | 118.1165% | 81 |
| Net loans and leases to core deposits | 131.5585% | 173 |
| Total domestic deposits to total assets | 65.4004% | 6,718 |
| Equity capital to assets | 14.4367% | 842 |
| Core capital (leverage) ratio | 14.3874% | 766 |
| Tier 1 risk-based capital ratio | 24.8242% | 894 |
| Total risk-based capital ratio | 26.0220% | 885 |
| Memoranda: | ||
| Average total assets | $313,598,500 | 2,065 |
| Average earning assets | $302,300,750 | 1,967 |
| Average equity | $44,857,750 | 1,575 |
| Average total loans | $232,519,250 | 1,772 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,906 |
| Cost of funding earning assets | 1.1335% | 284 |
| Net interest margin | 3.1776% | 5,022 |
| Noninterest income to average assets | 0.9004% | 1,809 |
| Noninterest expense to average assets | 2.3978% | 5,058 |
| Loan and lease loss provision to assets | 0.0941% | 3,221 |
| Net operating income to assets | 0.9683% | 2,475 |
| Return on assets (ROA) | 0.9683% | 2,620 |
| Pretax return on assets | 1.4768% | 1,685 |
| Return on Equity (ROE) | 6.7909% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.7909% | 1,989 |
| Net charge-offs to loans | -0.0299% | 6,102 |
| Credit loss provision to net charge-offs | -432.3529% | 5,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4163% | 5,418 |
| Assets per employee ($millions) | 4.2532% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 6,183 |
| Loan loss allowance to noncurrent loans | 176.4508% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 4,864 |
| Noncurrent loans to loans | 0.5005% | 5,017 |
| Net loans and leases to total assets | 74.8079% | 1,127 |
| Net loans and leases to deposits | 113.7050% | 100 |
| Net loans and leases to core deposits | 126.4448% | 220 |
| Total domestic deposits to total assets | 65.7912% | 6,764 |
| Equity capital to assets | 14.3955% | 843 |
| Core capital (leverage) ratio | 14.3340% | 739 |
| Tier 1 risk-based capital ratio | 24.7423% | 899 |
| Total risk-based capital ratio | 25.8938% | 898 |
| Memoranda: | ||
| Average total assets | $312,290,000 | 2,078 |
| Average earning assets | $301,548,330 | 1,978 |
| Average equity | $44,530,330 | 1,593 |
| Average total loans | $227,530,330 | 1,803 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,959 |
| Cost of funding earning assets | 1.1560% | 279 |
| Net interest margin | 3.1273% | 5,172 |
| Noninterest income to average assets | 0.6159% | 3,047 |
| Noninterest expense to average assets | 2.4741% | 4,848 |
| Loan and lease loss provision to assets | 0.1813% | 2,043 |
| Net operating income to assets | 0.6417% | 4,006 |
| Return on assets (ROA) | 0.6417% | 4,168 |
| Pretax return on assets | 0.9837% | 3,430 |
| Return on Equity (ROE) | 4.5218% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.5218% | 3,521 |
| Net charge-offs to loans | 0.0036% | 4,098 |
| Credit loss provision to net charge-offs | 7,050.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 453.0000% | 74 |
| Efficiency ratio | 67.9859% | 4,310 |
| Assets per employee ($millions) | 4.3850% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 6,272 |
| Loan loss allowance to noncurrent loans | 154.1229% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6238% | 4,824 |
| Noncurrent loans to loans | 0.5801% | 4,994 |
| Net loans and leases to total assets | 73.2050% | 1,183 |
| Net loans and leases to deposits | 111.3460% | 111 |
| Net loans and leases to core deposits | 123.7892% | 235 |
| Total domestic deposits to total assets | 65.7455% | 6,849 |
| Equity capital to assets | 14.2484% | 952 |
| Core capital (leverage) ratio | 14.1681% | 752 |
| Tier 1 risk-based capital ratio | 24.3808% | 970 |
| Total risk-based capital ratio | 25.5182% | 966 |
| Memoranda: | ||
| Average total assets | $311,066,000 | 2,116 |
| Average earning assets | $300,703,500 | 2,009 |
| Average equity | $44,141,500 | 1,617 |
| Average total loans | $222,522,000 | 1,851 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 2,950 |
| Cost of funding earning assets | 1.4919% | 169 |
| Net interest margin | 3.1205% | 5,763 |
| Noninterest income to average assets | 0.6468% | 3,008 |
| Noninterest expense to average assets | 2.3839% | 5,453 |
| Loan and lease loss provision to assets | 0.0778% | 4,738 |
| Net operating income to assets | 0.7835% | 3,353 |
| Return on assets (ROA) | 0.7835% | 3,603 |
| Pretax return on assets | 1.2068% | 2,784 |
| Return on Equity (ROE) | 5.2443% | 4,565 |
| Retained earnings to average equity (ytd only) | -7.4640% | 6,549 |
| Net charge-offs to loans | 0.0636% | 5,055 |
| Credit loss provision to net charge-offs | 183.5821% | 1,432 |
| Earnings coverage of net charge-offs (x) | 30.2985% | 1,007 |
| Efficiency ratio | 64.9819% | 4,709 |
| Assets per employee ($millions) | 4.3774% | 3,197 |
| Cash dividends to net income (ytd only)* | 242.3263% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 6,284 |
| Loan loss allowance to noncurrent loans | 132.0248% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.6705% | 4,805 |
| Noncurrent loans to loans | 0.6751% | 4,848 |
| Net loans and leases to total assets | 68.5844% | 2,088 |
| Net loans and leases to deposits | 103.1608% | 292 |
| Net loans and leases to core deposits | 114.6127% | 396 |
| Total domestic deposits to total assets | 66.4831% | 6,889 |
| Equity capital to assets | 14.1323% | 990 |
| Core capital (leverage) ratio | 14.0347% | 791 |
| Tier 1 risk-based capital ratio | 25.3853% | 812 |
| Total risk-based capital ratio | 26.5022% | 814 |
| Memoranda: | ||
| Average total assets | $316,030,600 | 2,031 |
| Average earning assets | $306,043,200 | 1,935 |
| Average equity | $47,213,600 | 1,481 |
| Average total loans | $210,696,600 | 1,915 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 2,954 |
| Cost of funding earning assets | 1.5413% | 166 |
| Net interest margin | 3.1209% | 5,893 |
| Noninterest income to average assets | 0.5336% | 3,722 |
| Noninterest expense to average assets | 2.3234% | 5,621 |
| Loan and lease loss provision to assets | 0.0950% | 4,395 |
| Net operating income to assets | 0.7424% | 3,726 |
| Return on assets (ROA) | 0.7424% | 3,977 |
| Pretax return on assets | 1.1378% | 3,197 |
| Return on Equity (ROE) | 4.9045% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.9045% | 3,435 |
| Net charge-offs to loans | 0.0738% | 4,673 |
| Credit loss provision to net charge-offs | 194.8276% | 1,429 |
| Earnings coverage of net charge-offs (x) | 25.2935% | 1,251 |
| Efficiency ratio | 65.3355% | 4,569 |
| Assets per employee ($millions) | 4.4203% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 6,430 |
| Loan loss allowance to noncurrent loans | 267.8322% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 5,628 |
| Noncurrent loans to loans | 0.3283% | 5,816 |
| Net loans and leases to total assets | 67.8361% | 2,321 |
| Net loans and leases to deposits | 107.4445% | 205 |
| Net loans and leases to core deposits | 120.9560% | 289 |
| Total domestic deposits to total assets | 63.1360% | 7,029 |
| Equity capital to assets | 15.3567% | 735 |
| Core capital (leverage) ratio | 15.2438% | 570 |
| Tier 1 risk-based capital ratio | 28.2141% | 637 |
| Total risk-based capital ratio | 29.3293% | 635 |
| Memoranda: | ||
| Average total assets | $317,338,750 | 2,050 |
| Average earning assets | $307,344,000 | 1,946 |
| Average equity | $48,036,250 | 1,472 |
| Average total loans | $209,601,750 | 1,945 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 3,178 |
| Cost of funding earning assets | 1.5592% | 184 |
| Net interest margin | 3.0820% | 6,055 |
| Noninterest income to average assets | 0.4719% | 4,120 |
| Noninterest expense to average assets | 2.2887% | 5,773 |
| Loan and lease loss provision to assets | 0.0807% | 4,588 |
| Net operating income to assets | 0.7110% | 3,808 |
| Return on assets (ROA) | 0.7110% | 4,076 |
| Pretax return on assets | 1.0901% | 3,341 |
| Return on Equity (ROE) | 4.7198% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.7198% | 3,467 |
| Net charge-offs to loans | 0.1083% | 4,099 |
| Credit loss provision to net charge-offs | 114.2857% | 2,388 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 1,586 |
| Efficiency ratio | 66.1561% | 4,506 |
| Assets per employee ($millions) | 4.5895% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 6,588 |
| Loan loss allowance to noncurrent loans | 160.8657% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 5,372 |
| Noncurrent loans to loans | 0.5220% | 5,481 |
| Net loans and leases to total assets | 66.9403% | 2,474 |
| Net loans and leases to deposits | 107.8564% | 184 |
| Net loans and leases to core deposits | 121.4078% | 290 |
| Total domestic deposits to total assets | 62.0643% | 7,109 |
| Equity capital to assets | 15.0236% | 781 |
| Core capital (leverage) ratio | 14.9031% | 614 |
| Tier 1 risk-based capital ratio | 27.8293% | 653 |
| Total risk-based capital ratio | 28.8892% | 665 |
| Memoranda: | ||
| Average total assets | $317,030,330 | 2,045 |
| Average earning assets | $307,333,000 | 1,938 |
| Average equity | $47,756,670 | 1,472 |
| Average total loans | $206,864,670 | 1,965 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 3,339 |
| Cost of funding earning assets | 1.5761% | 205 |
| Net interest margin | 3.0592% | 6,157 |
| Noninterest income to average assets | 0.3036% | 5,449 |
| Noninterest expense to average assets | 2.2127% | 6,007 |
| Loan and lease loss provision to assets | 0.0699% | 4,537 |
| Net operating income to assets | 0.6453% | 4,138 |
| Return on assets (ROA) | 0.6453% | 4,349 |
| Pretax return on assets | 0.9895% | 3,708 |
| Return on Equity (ROE) | 4.2777% | 5,146 |
| Retained earnings to average equity (ytd only) | 4.2777% | 4,020 |
| Net charge-offs to loans | 0.2200% | 2,823 |
| Credit loss provision to net charge-offs | 49.5495% | 3,297 |
| Earnings coverage of net charge-offs (x) | 7.5135% | 2,065 |
| Efficiency ratio | 67.6242% | 4,247 |
| Assets per employee ($millions) | 4.6771% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 6,645 |
| Loan loss allowance to noncurrent loans | 160.4587% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 5,380 |
| Noncurrent loans to loans | 0.5281% | 5,608 |
| Net loans and leases to total assets | 64.3496% | 2,796 |
| Net loans and leases to deposits | 102.7492% | 287 |
| Net loans and leases to core deposits | 115.5444% | 394 |
| Total domestic deposits to total assets | 62.6278% | 7,161 |
| Equity capital to assets | 15.0066% | 746 |
| Core capital (leverage) ratio | 14.8633% | 622 |
| Tier 1 risk-based capital ratio | 28.7285% | 587 |
| Total risk-based capital ratio | 29.7932% | 593 |
| Memoranda: | ||
| Average total assets | $314,912,000 | 2,059 |
| Average earning assets | $305,573,000 | 1,949 |
| Average equity | $47,502,000 | 1,473 |
| Average total loans | $201,858,000 | 2,022 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 3,650 |
| Cost of funding earning assets | 1.7984% | 213 |
| Net interest margin | 3.0357% | 6,475 |
| Noninterest income to average assets | 0.3109% | 5,322 |
| Noninterest expense to average assets | 2.2667% | 6,126 |
| Loan and lease loss provision to assets | 0.0167% | 6,353 |
| Net operating income to assets | 0.6266% | 3,850 |
| Return on assets (ROA) | 0.6414% | 3,971 |
| Pretax return on assets | 0.9908% | 3,276 |
| Return on Equity (ROE) | 4.1733% | 4,766 |
| Retained earnings to average equity (ytd only) | -9.7924% | 6,692 |
| Net charge-offs to loans | -0.0459% | 7,047 |
| Credit loss provision to net charge-offs | -60.9195% | 6,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7117% | 4,022 |
| Assets per employee ($millions) | 4.9489% | 2,271 |
| Cash dividends to net income (ytd only)* | 334.6457% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 6,646 |
| Loan loss allowance to noncurrent loans | 177.0855% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 5,777 |
| Noncurrent loans to loans | 0.4800% | 5,749 |
| Net loans and leases to total assets | 62.7462% | 3,458 |
| Net loans and leases to deposits | 97.4447% | 591 |
| Net loans and leases to core deposits | 109.5824% | 634 |
| Total domestic deposits to total assets | 64.3916% | 7,171 |
| Equity capital to assets | 15.1634% | 741 |
| Core capital (leverage) ratio | 15.0018% | 605 |
| Tier 1 risk-based capital ratio | 29.3236% | 551 |
| Total risk-based capital ratio | 30.3783% | 549 |
| Memoranda: | ||
| Average total assets | $316,801,000 | 2,026 |
| Average earning assets | $306,880,200 | 1,913 |
| Average equity | $48,690,800 | 1,400 |
| Average total loans | $189,654,400 | 2,134 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 3,688 |
| Cost of funding earning assets | 1.8468% | 212 |
| Net interest margin | 3.0219% | 6,541 |
| Noninterest income to average assets | 0.2750% | 5,649 |
| Noninterest expense to average assets | 2.2511% | 6,164 |
| Loan and lease loss provision to assets | 0.0247% | 6,144 |
| Net operating income to assets | 0.5961% | 4,099 |
| Return on assets (ROA) | 0.6154% | 4,199 |
| Pretax return on assets | 0.9541% | 3,577 |
| Return on Equity (ROE) | 3.9908% | 4,992 |
| Retained earnings to average equity (ytd only) | -14.4954% | 6,976 |
| Net charge-offs to loans | -0.0597% | 7,082 |
| Credit loss provision to net charge-offs | -70.2381% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3524% | 3,893 |
| Assets per employee ($millions) | 4.9678% | 2,234 |
| Cash dividends to net income (ytd only)* | 463.2163% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 6,722 |
| Loan loss allowance to noncurrent loans | 278.1457% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 6,171 |
| Noncurrent loans to loans | 0.3058% | 6,236 |
| Net loans and leases to total assets | 62.5728% | 3,592 |
| Net loans and leases to deposits | 99.1881% | 506 |
| Net loans and leases to core deposits | 111.5495% | 624 |
| Total domestic deposits to total assets | 63.0850% | 7,258 |
| Equity capital to assets | 14.8331% | 895 |
| Core capital (leverage) ratio | 14.6435% | 739 |
| Tier 1 risk-based capital ratio | 28.6473% | 611 |
| Total risk-based capital ratio | 29.7012% | 616 |
| Memoranda: | ||
| Average total assets | $318,055,500 | 2,021 |
| Average earning assets | $307,837,000 | 1,919 |
| Average equity | $49,044,250 | 1,394 |
| Average total loans | $187,740,750 | 2,169 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 3,665 |
| Cost of funding earning assets | 1.8768% | 231 |
| Net interest margin | 3.0144% | 6,579 |
| Noninterest income to average assets | 0.2640% | 5,762 |
| Noninterest expense to average assets | 2.2493% | 6,248 |
| Loan and lease loss provision to assets | -0.0188% | 7,378 |
| Net operating income to assets | 0.6199% | 3,957 |
| Return on assets (ROA) | 0.6199% | 4,086 |
| Pretax return on assets | 0.9489% | 3,435 |
| Return on Equity (ROE) | 3.9705% | 4,956 |
| Retained earnings to average equity (ytd only) | -23.2742% | 7,170 |
| Net charge-offs to loans | -0.0900% | 7,140 |
| Credit loss provision to net charge-offs | 36.1446% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7456% | 3,973 |
| Assets per employee ($millions) | 5.0322% | 2,080 |
| Cash dividends to net income (ytd only)* | 686.1756% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 6,771 |
| Loan loss allowance to noncurrent loans | 284.9462% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 5,852 |
| Noncurrent loans to loans | 0.2983% | 6,320 |
| Net loans and leases to total assets | 58.5002% | 4,544 |
| Net loans and leases to deposits | 93.3550% | 918 |
| Net loans and leases to core deposits | 105.0622% | 977 |
| Total domestic deposits to total assets | 62.6643% | 7,337 |
| Equity capital to assets | 14.5029% | 938 |
| Core capital (leverage) ratio | 14.3064% | 803 |
| Tier 1 risk-based capital ratio | 29.1801% | 583 |
| Total risk-based capital ratio | 30.2068% | 591 |
| Memoranda: | ||
| Average total assets | $319,750,670 | 2,028 |
| Average earning assets | $309,253,000 | 1,919 |
| Average equity | $49,918,000 | 1,350 |
| Average total loans | $184,483,000 | 2,225 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 3,506 |
| Cost of funding earning assets | 1.8804% | 273 |
| Net interest margin | 3.0352% | 6,501 |
| Noninterest income to average assets | 0.2479% | 5,917 |
| Noninterest expense to average assets | 2.0691% | 6,695 |
| Loan and lease loss provision to assets | 0.0461% | 5,426 |
| Net operating income to assets | 0.6976% | 3,525 |
| Return on assets (ROA) | 0.6976% | 3,590 |
| Pretax return on assets | 1.0663% | 2,878 |
| Return on Equity (ROE) | 4.3170% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.3170% | 3,580 |
| Net charge-offs to loans | -0.0109% | 6,389 |
| Credit loss provision to net charge-offs | -740.0000% | 6,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0352% | 5,184 |
| Assets per employee ($millions) | 5.2089% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 6,821 |
| Loan loss allowance to noncurrent loans | 303.2630% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 5,815 |
| Noncurrent loans to loans | 0.2805% | 6,429 |
| Net loans and leases to total assets | 57.0267% | 4,796 |
| Net loans and leases to deposits | 93.6656% | 860 |
| Net loans and leases to core deposits | 104.9958% | 1,001 |
| Total domestic deposits to total assets | 60.8833% | 7,421 |
| Equity capital to assets | 16.1258% | 553 |
| Core capital (leverage) ratio | 16.0067% | 499 |
| Tier 1 risk-based capital ratio | 33.3049% | 394 |
| Total risk-based capital ratio | 34.3255% | 393 |
| Memoranda: | ||
| Average total assets | $321,113,000 | 2,029 |
| Average earning assets | $310,355,500 | 1,923 |
| Average equity | $51,888,000 | 1,286 |
| Average total loans | $183,199,000 | 2,273 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 3,957 |
| Cost of funding earning assets | 2.0146% | 579 |
| Net interest margin | 3.1158% | 6,477 |
| Noninterest income to average assets | 0.2330% | 6,136 |
| Noninterest expense to average assets | 2.1625% | 6,709 |
| Loan and lease loss provision to assets | 0.0836% | 6,316 |
| Net operating income to assets | 0.6899% | 3,271 |
| Return on assets (ROA) | 0.7015% | 3,350 |
| Pretax return on assets | 1.0212% | 2,859 |
| Return on Equity (ROE) | 4.0873% | 4,484 |
| Retained earnings to average equity (ytd only) | -13.8721% | 6,834 |
| Net charge-offs to loans | 0.0350% | 6,452 |
| Credit loss provision to net charge-offs | 446.6667% | 513 |
| Earnings coverage of net charge-offs (x) | 58.1333% | 402 |
| Efficiency ratio | 66.5291% | 4,861 |
| Assets per employee ($millions) | 4.9886% | 2,168 |
| Cash dividends to net income (ytd only)* | 439.3953% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,850 |
| Loan loss allowance to noncurrent loans | 223.8719% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 5,516 |
| Noncurrent loans to loans | 0.3803% | 6,284 |
| Net loans and leases to total assets | 56.0995% | 5,331 |
| Net loans and leases to deposits | 92.9548% | 1,145 |
| Net loans and leases to core deposits | 104.0363% | 1,309 |
| Total domestic deposits to total assets | 60.3514% | 7,501 |
| Equity capital to assets | 16.1921% | 554 |
| Core capital (leverage) ratio | 16.0246% | 510 |
| Tier 1 risk-based capital ratio | 33.6843% | 384 |
| Total risk-based capital ratio | 34.7001% | 380 |
| Memoranda: | ||
| Average total assets | $320,600,000 | 2,034 |
| Average earning assets | $310,484,000 | 1,914 |
| Average equity | $55,024,000 | 1,212 |
| Average total loans | $171,638,800 | 2,448 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 4,084 |
| Cost of funding earning assets | 2.0257% | 695 |
| Net interest margin | 3.1232% | 6,553 |
| Noninterest income to average assets | 0.1608% | 6,714 |
| Noninterest expense to average assets | 2.1383% | 6,762 |
| Loan and lease loss provision to assets | 0.0997% | 6,024 |
| Net operating income to assets | 0.6233% | 3,778 |
| Return on assets (ROA) | 0.6381% | 3,880 |
| Pretax return on assets | 0.9730% | 3,278 |
| Return on Equity (ROE) | 3.6665% | 4,927 |
| Retained earnings to average equity (ytd only) | -19.9222% | 7,204 |
| Net charge-offs to loans | 0.0496% | 6,028 |
| Credit loss provision to net charge-offs | 380.9524% | 813 |
| Earnings coverage of net charge-offs (x) | 40.1260% | 684 |
| Efficiency ratio | 67.0619% | 4,643 |
| Assets per employee ($millions) | 5.0096% | 2,167 |
| Cash dividends to net income (ytd only)* | 643.3590% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 6,933 |
| Loan loss allowance to noncurrent loans | 160.2128% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 5,637 |
| Noncurrent loans to loans | 0.5206% | 6,153 |
| Net loans and leases to total assets | 55.8513% | 5,562 |
| Net loans and leases to deposits | 92.2455% | 1,416 |
| Net loans and leases to core deposits | 103.3236% | 1,539 |
| Total domestic deposits to total assets | 60.5463% | 7,584 |
| Equity capital to assets | 15.8524% | 708 |
| Core capital (leverage) ratio | 15.6290% | 618 |
| Tier 1 risk-based capital ratio | 33.2058% | 404 |
| Total risk-based capital ratio | 34.2077% | 399 |
| Memoranda: | ||
| Average total assets | $320,932,000 | 2,056 |
| Average earning assets | $311,129,000 | 1,943 |
| Average equity | $55,855,750 | 1,186 |
| Average total loans | $169,386,500 | 2,522 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 4,152 |
| Cost of funding earning assets | 2.0284% | 830 |
| Net interest margin | 3.1297% | 6,517 |
| Noninterest income to average assets | 0.1452% | 6,860 |
| Noninterest expense to average assets | 2.1138% | 6,858 |
| Loan and lease loss provision to assets | 0.0984% | 5,924 |
| Net operating income to assets | 0.6329% | 3,720 |
| Return on assets (ROA) | 0.6548% | 3,762 |
| Pretax return on assets | 1.0011% | 3,111 |
| Return on Equity (ROE) | 3.6536% | 4,939 |
| Retained earnings to average equity (ytd only) | -7.6096% | 6,785 |
| Net charge-offs to loans | 0.0736% | 5,408 |
| Credit loss provision to net charge-offs | 259.0164% | 1,470 |
| Earnings coverage of net charge-offs (x) | 28.0492% | 959 |
| Efficiency ratio | 66.4773% | 4,888 |
| Assets per employee ($millions) | 5.1263% | 2,014 |
| Cash dividends to net income (ytd only)* | 308.2778% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 6,959 |
| Loan loss allowance to noncurrent loans | 173.8124% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 5,675 |
| Noncurrent loans to loans | 0.4785% | 6,296 |
| Net loans and leases to total assets | 52.6818% | 6,142 |
| Net loans and leases to deposits | 89.8404% | 1,886 |
| Net loans and leases to core deposits | 100.9188% | 1,926 |
| Total domestic deposits to total assets | 58.6393% | 7,675 |
| Equity capital to assets | 17.6790% | 449 |
| Core capital (leverage) ratio | 17.4330% | 404 |
| Tier 1 risk-based capital ratio | 38.0606% | 280 |
| Total risk-based capital ratio | 39.0292% | 282 |
| Memoranda: | ||
| Average total assets | $321,038,000 | 2,068 |
| Average earning assets | $311,278,000 | 1,957 |
| Average equity | $57,532,670 | 1,148 |
| Average total loans | $165,657,670 | 2,612 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 4,177 |
| Cost of funding earning assets | 2.0406% | 969 |
| Net interest margin | 3.1325% | 6,508 |
| Noninterest income to average assets | 0.1162% | 7,113 |
| Noninterest expense to average assets | 2.0932% | 6,960 |
| Loan and lease loss provision to assets | 0.0550% | 6,107 |
| Net operating income to assets | 0.6573% | 3,631 |
| Return on assets (ROA) | 0.6573% | 3,745 |
| Pretax return on assets | 1.0047% | 3,078 |
| Return on Equity (ROE) | 3.6432% | 5,054 |
| Retained earnings to average equity (ytd only) | -18.7978% | 7,341 |
| Net charge-offs to loans | -0.0049% | 6,812 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3892% | 5,034 |
| Assets per employee ($millions) | 4.7600% | 2,560 |
| Cash dividends to net income (ytd only)* | 615.9696% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 7,052 |
| Loan loss allowance to noncurrent loans | 154.6067% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 5,618 |
| Noncurrent loans to loans | 0.5373% | 6,218 |
| Net loans and leases to total assets | 51.5040% | 6,319 |
| Net loans and leases to deposits | 88.0792% | 2,212 |
| Net loans and leases to core deposits | 96.4397% | 2,536 |
| Total domestic deposits to total assets | 58.4746% | 7,775 |
| Equity capital to assets | 17.7033% | 450 |
| Core capital (leverage) ratio | 17.4829% | 406 |
| Tier 1 risk-based capital ratio | 38.4376% | 276 |
| Total risk-based capital ratio | 39.3898% | 276 |
| Memoranda: | ||
| Average total assets | $320,080,000 | 2,128 |
| Average earning assets | $310,295,500 | 2,011 |
| Average equity | $57,751,500 | 1,153 |
| Average total loans | $162,704,000 | 2,727 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4042% | 4,681 |
| Cost of funding earning assets | 2.2154% | 1,967 |
| Net interest margin | 3.1888% | 6,134 |
| Noninterest income to average assets | 0.1395% | 7,047 |
| Noninterest expense to average assets | 2.1610% | 7,067 |
| Loan and lease loss provision to assets | 0.1086% | 6,561 |
| Net operating income to assets | 0.6143% | 3,279 |
| Return on assets (ROA) | 0.6967% | 3,017 |
| Pretax return on assets | 1.0948% | 2,273 |
| Return on Equity (ROE) | 3.7264% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.7264% | 2,593 |
| Net charge-offs to loans | 0.5015% | 3,771 |
| Credit loss provision to net charge-offs | 49.6318% | 6,750 |
| Earnings coverage of net charge-offs (x) | 4.9131% | 2,758 |
| Efficiency ratio | 66.7894% | 5,228 |
| Assets per employee ($millions) | 4.8672% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 7,042 |
| Loan loss allowance to noncurrent loans | 197.9136% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 5,710 |
| Noncurrent loans to loans | 0.4200% | 6,432 |
| Net loans and leases to total assets | 49.3237% | 6,700 |
| Net loans and leases to deposits | 82.7291% | 3,497 |
| Net loans and leases to core deposits | 111.8850% | 2,709 |
| Total domestic deposits to total assets | 59.6208% | 7,809 |
| Equity capital to assets | 18.3799% | 419 |
| Core capital (leverage) ratio | 18.1963% | 388 |
| Tier 1 risk-based capital ratio | 40.5458% | 242 |
| Total risk-based capital ratio | 41.4699% | 241 |
| Memoranda: | ||
| Average total assets | $310,453,800 | 2,160 |
| Average earning assets | $301,433,800 | 2,064 |
| Average equity | $58,045,800 | 1,139 |
| Average total loans | $135,401,400 | 3,164 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 4,729 |
| Cost of funding earning assets | 2.2483% | 2,194 |
| Net interest margin | 3.1934% | 6,047 |
| Noninterest income to average assets | 0.1373% | 7,193 |
| Noninterest expense to average assets | 2.1640% | 7,066 |
| Loan and lease loss provision to assets | 0.0546% | 6,828 |
| Net operating income to assets | 0.6555% | 3,375 |
| Return on assets (ROA) | 0.6810% | 3,335 |
| Pretax return on assets | 1.0618% | 2,704 |
| Return on Equity (ROE) | 3.6264% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.6264% | 3,258 |
| Net charge-offs to loans | 0.6032% | 2,865 |
| Credit loss provision to net charge-offs | 21.5385% | 6,560 |
| Earnings coverage of net charge-offs (x) | 4.2479% | 3,198 |
| Efficiency ratio | 66.7781% | 5,230 |
| Assets per employee ($millions) | 4.8757% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 7,014 |
| Loan loss allowance to noncurrent loans | 88.8563% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 5,934 |
| Noncurrent loans to loans | 0.9377% | 5,419 |
| Net loans and leases to total assets | 45.5180% | 7,140 |
| Net loans and leases to deposits | 76.2295% | 4,999 |
| Net loans and leases to core deposits | 102.7347% | 4,080 |
| Total domestic deposits to total assets | 59.7117% | 7,883 |
| Equity capital to assets | 18.5188% | 467 |
| Core capital (leverage) ratio | 18.2214% | 437 |
| Tier 1 risk-based capital ratio | 43.8055% | 224 |
| Total risk-based capital ratio | 44.7317% | 223 |
| Memoranda: | ||
| Average total assets | $307,758,000 | 2,186 |
| Average earning assets | $299,063,500 | 2,097 |
| Average equity | $57,796,500 | 1,160 |
| Average total loans | $129,308,250 | 3,310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 4,526 |
| Cost of funding earning assets | 2.2856% | 2,412 |
| Net interest margin | 3.2319% | 5,798 |
| Noninterest income to average assets | 0.1444% | 7,227 |
| Noninterest expense to average assets | 2.1870% | 7,091 |
| Loan and lease loss provision to assets | 0.0348% | 6,892 |
| Net operating income to assets | 0.6838% | 3,323 |
| Return on assets (ROA) | 0.7220% | 3,267 |
| Pretax return on assets | 1.1231% | 2,554 |
| Return on Equity (ROE) | 3.8262% | 4,567 |
| Retained earnings to average equity (ytd only) | 3.8262% | 3,162 |
| Net charge-offs to loans | 0.9409% | 1,840 |
| Credit loss provision to net charge-offs | 9.0909% | 6,195 |
| Earnings coverage of net charge-offs (x) | 2.8696% | 3,665 |
| Efficiency ratio | 66.5734% | 5,447 |
| Assets per employee ($millions) | 4.7416% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 7,035 |
| Loan loss allowance to noncurrent loans | 63.8858% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 5,970 |
| Noncurrent loans to loans | 1.3086% | 4,589 |
| Net loans and leases to total assets | 43.9126% | 7,334 |
| Net loans and leases to deposits | 75.6042% | 5,228 |
| Net loans and leases to core deposits | 99.9085% | 4,518 |
| Total domestic deposits to total assets | 58.0822% | 7,980 |
| Equity capital to assets | 18.7754% | 475 |
| Core capital (leverage) ratio | 18.5539% | 449 |
| Tier 1 risk-based capital ratio | 45.4618% | 217 |
| Total risk-based capital ratio | 46.3742% | 221 |
| Memoranda: | ||
| Average total assets | $304,703,670 | 2,230 |
| Average earning assets | $296,113,330 | 2,140 |
| Average equity | $57,498,670 | 1,175 |
| Average total loans | $123,921,670 | 3,457 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 4,484 |
| Cost of funding earning assets | 2.3028% | 2,686 |
| Net interest margin | 3.2746% | 5,597 |
| Noninterest income to average assets | 0.1492% | 7,235 |
| Noninterest expense to average assets | 2.0848% | 7,155 |
| Loan and lease loss provision to assets | 0.0753% | 6,017 |
| Net operating income to assets | 0.7524% | 3,340 |
| Return on assets (ROA) | 0.8305% | 3,143 |
| Pretax return on assets | 1.2860% | 2,330 |
| Return on Equity (ROE) | 4.3898% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.3898% | 3,474 |
| Net charge-offs to loans | -0.0340% | 7,588 |
| Credit loss provision to net charge-offs | -570.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6836% | 5,935 |
| Assets per employee ($millions) | 4.4798% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 3,397 |
| Loan loss allowance to noncurrent loans | 72.1346% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 5,167 |
| Noncurrent loans to loans | 1.9677% | 3,308 |
| Net loans and leases to total assets | 40.1937% | 7,556 |
| Net loans and leases to deposits | 70.4938% | 5,932 |
| Net loans and leases to core deposits | 92.3242% | 5,319 |
| Total domestic deposits to total assets | 57.0173% | 8,028 |
| Equity capital to assets | 19.2391% | 462 |
| Core capital (leverage) ratio | 18.9300% | 457 |
| Tier 1 risk-based capital ratio | 47.4022% | 228 |
| Total risk-based capital ratio | 48.6549% | 230 |
| Memoranda: | ||
| Average total assets | $302,955,000 | 2,251 |
| Average earning assets | $293,899,500 | 2,165 |
| Average equity | $57,315,000 | 1,184 |
| Average total loans | $117,642,500 | 3,610 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6455% | 6,945 |
| Cost of funding earning assets | 2.4176% | 4,644 |
| Net interest margin | 3.2279% | 6,277 |
| Noninterest income to average assets | 0.1871% | 7,106 |
| Noninterest expense to average assets | 2.1951% | 6,978 |
| Loan and lease loss provision to assets | -0.0158% | 8,205 |
| Net operating income to assets | 0.7811% | 3,520 |
| Return on assets (ROA) | 0.7866% | 3,337 |
| Pretax return on assets | 1.1493% | 2,836 |
| Return on Equity (ROE) | 3.7632% | 4,913 |
| Retained earnings to average equity (ytd only) | -4.5367% | 6,421 |
| Net charge-offs to loans | -0.0551% | 8,036 |
| Credit loss provision to net charge-offs | 74.1379% | 6,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1085% | 5,109 |
| Assets per employee ($millions) | 4.7040% | 2,317 |
| Cash dividends to net income (ytd only)* | 220.5524% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 2,792 |
| Loan loss allowance to noncurrent loans | 696.2500% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 7,254 |
| Noncurrent loans to loans | 0.2126% | 6,755 |
| Net loans and leases to total assets | 36.3800% | 7,819 |
| Net loans and leases to deposits | 67.5152% | 6,505 |
| Net loans and leases to core deposits | 86.1740% | 6,121 |
| Total domestic deposits to total assets | 53.8842% | 8,089 |
| Equity capital to assets | 18.6041% | 587 |
| Core capital (leverage) ratio | 18.3519% | 567 |
| Tier 1 risk-based capital ratio | 47.9927% | 235 |
| Total risk-based capital ratio | 49.2442% | 233 |
| Memoranda: | ||
| Average total assets | $271,557,600 | 2,371 |
| Average earning assets | $263,607,600 | 2,259 |
| Average equity | $56,759,600 | 1,183 |
| Average total loans | $105,237,400 | 3,816 |