Home > Bank of Sacramento > Performance and Condition Ratios
Bank of Sacramento, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 4,596 |
| Cost of funding earning assets | 0.3347% | 4,439 |
| Net interest margin | 3.4309% | 4,062 |
| Noninterest income to average assets | 0.1573% | 5,913 |
| Noninterest expense to average assets | 2.4756% | 4,625 |
| Loan and lease loss provision to assets | -0.2451% | 6,331 |
| Net operating income to assets | 0.7416% | 3,668 |
| Return on assets (ROA) | 0.7416% | 3,773 |
| Pretax return on assets | 1.1216% | 3,000 |
| Return on Equity (ROE) | 7.7508% | 3,243 |
| Retained earnings to average equity (ytd only) | 4.8545% | 2,713 |
| Net charge-offs to loans | -0.2502% | 6,303 |
| Credit loss provision to net charge-offs | 168.8693% | 1,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8522% | 2,859 |
| Assets per employee ($millions) | 7.3212% | 712 |
| Cash dividends to net income (ytd only)* | 37.3671% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 3,356 |
| Loan loss allowance to noncurrent loans | 726.9151% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 3,561 |
| Noncurrent loans to loans | 0.1805% | 5,184 |
| Net loans and leases to total assets | 56.3736% | 4,280 |
| Net loans and leases to deposits | 65.8645% | 4,345 |
| Net loans and leases to core deposits | 87.2139% | 2,592 |
| Total domestic deposits to total assets | 85.5903% | 3,037 |
| Equity capital to assets | 9.8995% | 4,233 |
| Core capital (leverage) ratio | 10.0133% | 3,554 |
| Tier 1 risk-based capital ratio | 14.2295% | 3,943 |
| Total risk-based capital ratio | 15.3016% | 3,980 |
| Memoranda: | ||
| Average total assets | $469,132,400 | 1,423 |
| Average earning assets | $436,856,800 | 1,403 |
| Average equity | $44,885,800 | 1,605 |
| Average total loans | $272,171,800 | 1,561 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 4,551 |
| Cost of funding earning assets | 0.3235% | 4,633 |
| Net interest margin | 3.4748% | 3,923 |
| Noninterest income to average assets | 0.0986% | 6,253 |
| Noninterest expense to average assets | 2.4457% | 4,672 |
| Loan and lease loss provision to assets | -0.1136% | 6,300 |
| Net operating income to assets | 0.6771% | 4,065 |
| Return on assets (ROA) | 0.6771% | 4,154 |
| Pretax return on assets | 0.9950% | 3,613 |
| Return on Equity (ROE) | 7.1381% | 3,639 |
| Retained earnings to average equity (ytd only) | 7.1381% | 1,744 |
| Net charge-offs to loans | -0.0668% | 6,019 |
| Credit loss provision to net charge-offs | 291.9708% | 926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5098% | 2,901 |
| Assets per employee ($millions) | 7.3924% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 3,355 |
| Loan loss allowance to noncurrent loans | 299.5165% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 3,510 |
| Noncurrent loans to loans | 0.4541% | 4,538 |
| Net loans and leases to total assets | 56.0994% | 4,318 |
| Net loans and leases to deposits | 65.7751% | 4,356 |
| Net loans and leases to core deposits | 87.1748% | 2,519 |
| Total domestic deposits to total assets | 85.2897% | 3,223 |
| Equity capital to assets | 9.6433% | 4,618 |
| Core capital (leverage) ratio | 10.2448% | 3,348 |
| Tier 1 risk-based capital ratio | 13.9287% | 4,269 |
| Total risk-based capital ratio | 15.0347% | 4,295 |
| Memoranda: | ||
| Average total assets | $469,276,000 | 1,436 |
| Average earning assets | $436,000,250 | 1,416 |
| Average equity | $44,511,000 | 1,622 |
| Average total loans | $273,301,250 | 1,564 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 4,578 |
| Cost of funding earning assets | 0.3162% | 4,811 |
| Net interest margin | 3.4681% | 3,903 |
| Noninterest income to average assets | 0.1117% | 6,233 |
| Noninterest expense to average assets | 2.5008% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5856% | 4,428 |
| Return on assets (ROA) | 0.5856% | 4,521 |
| Pretax return on assets | 0.8485% | 4,083 |
| Return on Equity (ROE) | 6.2092% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.2092% | 2,209 |
| Net charge-offs to loans | -0.0724% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6665% | 2,862 |
| Assets per employee ($millions) | 7.1921% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 2,949 |
| Loan loss allowance to noncurrent loans | 306.6917% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 3,486 |
| Noncurrent loans to loans | 0.4860% | 4,543 |
| Net loans and leases to total assets | 57.6660% | 4,028 |
| Net loans and leases to deposits | 71.2018% | 3,681 |
| Net loans and leases to core deposits | 97.9219% | 1,452 |
| Total domestic deposits to total assets | 80.9895% | 4,984 |
| Equity capital to assets | 9.6676% | 4,535 |
| Core capital (leverage) ratio | 9.9420% | 3,694 |
| Tier 1 risk-based capital ratio | 13.7076% | 4,444 |
| Total risk-based capital ratio | 14.9324% | 4,413 |
| Memoranda: | ||
| Average total assets | $465,532,000 | 1,446 |
| Average earning assets | $434,586,330 | 1,417 |
| Average equity | $43,902,330 | 1,634 |
| Average total loans | $273,308,670 | 1,562 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,737 |
| Cost of funding earning assets | 0.3152% | 4,914 |
| Net interest margin | 3.4169% | 4,044 |
| Noninterest income to average assets | 0.1438% | 6,110 |
| Noninterest expense to average assets | 2.4850% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5855% | 4,259 |
| Return on assets (ROA) | 0.5855% | 4,333 |
| Pretax return on assets | 0.8507% | 3,899 |
| Return on Equity (ROE) | 6.2881% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.2881% | 2,386 |
| Net charge-offs to loans | -0.0234% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4966% | 3,047 |
| Assets per employee ($millions) | 7.0969% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 3,350 |
| Loan loss allowance to noncurrent loans | 276.1576% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 3,559 |
| Noncurrent loans to loans | 0.5270% | 4,592 |
| Net loans and leases to total assets | 57.7653% | 3,884 |
| Net loans and leases to deposits | 73.9202% | 3,070 |
| Net loans and leases to core deposits | 99.9106% | 1,107 |
| Total domestic deposits to total assets | 78.1455% | 5,813 |
| Equity capital to assets | 9.3587% | 4,685 |
| Core capital (leverage) ratio | 9.8738% | 3,753 |
| Tier 1 risk-based capital ratio | 13.6525% | 4,578 |
| Total risk-based capital ratio | 14.8702% | 4,546 |
| Memoranda: | ||
| Average total assets | $464,553,500 | 1,451 |
| Average earning assets | $433,963,500 | 1,426 |
| Average equity | $43,256,000 | 1,641 |
| Average total loans | $273,132,500 | 1,567 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 4,883 |
| Cost of funding earning assets | 0.3259% | 5,372 |
| Net interest margin | 3.4525% | 4,085 |
| Noninterest income to average assets | 0.0530% | 6,543 |
| Noninterest expense to average assets | 2.4661% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5930% | 4,297 |
| Return on assets (ROA) | 0.6910% | 3,936 |
| Pretax return on assets | 0.9534% | 3,546 |
| Return on Equity (ROE) | 7.4302% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.4302% | 1,261 |
| Net charge-offs to loans | 0.0605% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 23.1481% | 1,422 |
| Efficiency ratio | 75.1062% | 2,932 |
| Assets per employee ($millions) | 6.8763% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 3,355 |
| Loan loss allowance to noncurrent loans | 313.8801% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 3,756 |
| Noncurrent loans to loans | 0.4667% | 4,831 |
| Net loans and leases to total assets | 58.1099% | 4,021 |
| Net loans and leases to deposits | 73.6687% | 3,315 |
| Net loans and leases to core deposits | 98.9543% | 1,232 |
| Total domestic deposits to total assets | 78.8800% | 5,676 |
| Equity capital to assets | 9.2631% | 4,731 |
| Core capital (leverage) ratio | 9.7751% | 3,875 |
| Tier 1 risk-based capital ratio | 13.6060% | 4,579 |
| Total risk-based capital ratio | 14.8287% | 4,543 |
| Memoranda: | ||
| Average total assets | $458,781,600 | 1,443 |
| Average earning assets | $429,287,400 | 1,423 |
| Average equity | $42,663,600 | 1,647 |
| Average total loans | $267,752,000 | 1,565 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 5,006 |
| Cost of funding earning assets | 0.3264% | 5,497 |
| Net interest margin | 3.4312% | 4,160 |
| Noninterest income to average assets | 0.0774% | 6,550 |
| Noninterest expense to average assets | 2.5144% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5681% | 4,483 |
| Return on assets (ROA) | 0.7008% | 3,992 |
| Pretax return on assets | 0.9560% | 3,664 |
| Return on Equity (ROE) | 7.5290% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.5290% | 1,629 |
| Net charge-offs to loans | -0.0040% | 5,755 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4597% | 2,657 |
| Assets per employee ($millions) | 6.9520% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,340 |
| Loan loss allowance to noncurrent loans | 810.5469% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 4,279 |
| Noncurrent loans to loans | 0.1887% | 5,769 |
| Net loans and leases to total assets | 58.2259% | 3,976 |
| Net loans and leases to deposits | 70.7355% | 3,680 |
| Net loans and leases to core deposits | 93.0981% | 1,658 |
| Total domestic deposits to total assets | 82.3150% | 4,822 |
| Equity capital to assets | 9.0844% | 5,075 |
| Core capital (leverage) ratio | 9.5311% | 4,358 |
| Tier 1 risk-based capital ratio | 13.3753% | 4,856 |
| Total risk-based capital ratio | 14.6255% | 4,791 |
| Memoranda: | ||
| Average total assets | $458,299,500 | 1,452 |
| Average earning assets | $428,916,750 | 1,428 |
| Average equity | $42,660,500 | 1,652 |
| Average total loans | $266,765,500 | 1,572 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6936% | 5,161 |
| Cost of funding earning assets | 0.3351% | 5,523 |
| Net interest margin | 3.3585% | 4,347 |
| Noninterest income to average assets | 0.0428% | 6,692 |
| Noninterest expense to average assets | 2.5543% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4714% | 4,920 |
| Return on assets (ROA) | 0.6741% | 4,096 |
| Pretax return on assets | 0.9046% | 3,894 |
| Return on Equity (ROE) | 7.1836% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.1836% | 1,802 |
| Net charge-offs to loans | 0.0256% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 42.7353% | 887 |
| Efficiency ratio | 80.1068% | 2,139 |
| Assets per employee ($millions) | 7.1728% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 4,567 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 56.5211% | 4,211 |
| Net loans and leases to deposits | 70.9248% | 3,596 |
| Net loans and leases to core deposits | 95.4834% | 1,400 |
| Total domestic deposits to total assets | 79.6916% | 5,669 |
| Equity capital to assets | 8.8949% | 5,330 |
| Core capital (leverage) ratio | 9.3034% | 4,534 |
| Tier 1 risk-based capital ratio | 13.0344% | 5,118 |
| Total risk-based capital ratio | 14.2844% | 5,062 |
| Memoranda: | ||
| Average total assets | $458,122,670 | 1,454 |
| Average earning assets | $429,125,330 | 1,423 |
| Average equity | $42,986,670 | 1,638 |
| Average total loans | $265,251,330 | 1,577 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 5,560 |
| Cost of funding earning assets | 0.3459% | 5,578 |
| Net interest margin | 3.2143% | 4,875 |
| Noninterest income to average assets | -0.0520% | 6,901 |
| Noninterest expense to average assets | 2.6798% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2165% | 5,833 |
| Return on assets (ROA) | 0.5312% | 4,678 |
| Pretax return on assets | 0.7030% | 4,565 |
| Return on Equity (ROE) | 5.5138% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.5138% | 2,951 |
| Net charge-offs to loans | -0.0091% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2671% | 1,123 |
| Assets per employee ($millions) | 7.2485% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 3,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 4,700 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 57.1485% | 3,895 |
| Net loans and leases to deposits | 69.3666% | 3,594 |
| Net loans and leases to core deposits | 90.5651% | 1,652 |
| Total domestic deposits to total assets | 82.3862% | 5,062 |
| Equity capital to assets | 9.3834% | 5,017 |
| Core capital (leverage) ratio | 9.5196% | 4,047 |
| Tier 1 risk-based capital ratio | 13.2396% | 5,048 |
| Total risk-based capital ratio | 14.4905% | 5,001 |
| Memoranda: | ||
| Average total assets | $454,068,500 | 1,481 |
| Average earning assets | $426,715,500 | 1,443 |
| Average equity | $43,744,500 | 1,633 |
| Average total loans | $264,063,500 | 1,591 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 5,669 |
| Cost of funding earning assets | 0.4290% | 5,729 |
| Net interest margin | 3.4410% | 4,737 |
| Noninterest income to average assets | 0.3947% | 4,651 |
| Noninterest expense to average assets | 2.7086% | 4,372 |
| Loan and lease loss provision to assets | 0.0285% | 5,540 |
| Net operating income to assets | 0.6001% | 4,236 |
| Return on assets (ROA) | 0.7791% | 3,625 |
| Pretax return on assets | 1.1037% | 3,145 |
| Return on Equity (ROE) | 7.8964% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.8964% | 1,156 |
| Net charge-offs to loans | 0.1315% | 4,360 |
| Credit loss provision to net charge-offs | 38.8350% | 4,954 |
| Earnings coverage of net charge-offs (x) | 11.9871% | 1,977 |
| Efficiency ratio | 75.4751% | 2,836 |
| Assets per employee ($millions) | 6.9412% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 3,310 |
| Loan loss allowance to noncurrent loans | 1,236.4179% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 4,420 |
| Noncurrent loans to loans | 0.1294% | 6,161 |
| Net loans and leases to total assets | 57.3399% | 4,079 |
| Net loans and leases to deposits | 65.9792% | 4,290 |
| Net loans and leases to core deposits | 85.0282% | 2,424 |
| Total domestic deposits to total assets | 86.9060% | 2,885 |
| Equity capital to assets | 9.8954% | 4,318 |
| Core capital (leverage) ratio | 9.3046% | 4,409 |
| Tier 1 risk-based capital ratio | 13.5046% | 4,749 |
| Total risk-based capital ratio | 14.7559% | 4,700 |
| Memoranda: | ||
| Average total assets | $420,848,800 | 1,560 |
| Average earning assets | $390,643,000 | 1,540 |
| Average equity | $41,525,400 | 1,678 |
| Average total loans | $235,016,600 | 1,737 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 5,959 |
| Cost of funding earning assets | 0.4317% | 5,925 |
| Net interest margin | 3.3940% | 5,055 |
| Noninterest income to average assets | 0.2361% | 5,862 |
| Noninterest expense to average assets | 2.6534% | 4,546 |
| Loan and lease loss provision to assets | 0.0386% | 5,293 |
| Net operating income to assets | 0.4819% | 4,911 |
| Return on assets (ROA) | 0.6927% | 4,203 |
| Pretax return on assets | 0.9850% | 3,776 |
| Return on Equity (ROE) | 7.0254% | 3,799 |
| Retained earnings to average equity (ytd only) | 7.0254% | 2,113 |
| Net charge-offs to loans | 0.2736% | 3,085 |
| Credit loss provision to net charge-offs | 25.5319% | 4,872 |
| Earnings coverage of net charge-offs (x) | 4.7851% | 3,206 |
| Efficiency ratio | 78.5973% | 2,300 |
| Assets per employee ($millions) | 6.7733% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,153 |
| Loan loss allowance to noncurrent loans | 238.2406% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 4,171 |
| Noncurrent loans to loans | 0.7135% | 5,010 |
| Net loans and leases to total assets | 53.1109% | 4,893 |
| Net loans and leases to deposits | 59.4300% | 5,267 |
| Net loans and leases to core deposits | 78.1067% | 3,443 |
| Total domestic deposits to total assets | 89.3671% | 1,206 |
| Equity capital to assets | 9.8721% | 4,679 |
| Core capital (leverage) ratio | 9.4783% | 4,303 |
| Tier 1 risk-based capital ratio | 13.8712% | 4,635 |
| Total risk-based capital ratio | 15.1231% | 4,586 |
| Memoranda: | ||
| Average total assets | $415,002,250 | 1,596 |
| Average earning assets | $383,925,500 | 1,576 |
| Average equity | $40,917,000 | 1,719 |
| Average total loans | $229,054,250 | 1,791 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 5,943 |
| Cost of funding earning assets | 0.4273% | 6,117 |
| Net interest margin | 3.4600% | 4,842 |
| Noninterest income to average assets | 0.2730% | 5,622 |
| Noninterest expense to average assets | 2.6759% | 4,515 |
| Loan and lease loss provision to assets | 0.0587% | 4,920 |
| Net operating income to assets | 0.5271% | 4,691 |
| Return on assets (ROA) | 0.7416% | 3,919 |
| Pretax return on assets | 1.0366% | 3,574 |
| Return on Equity (ROE) | 7.5253% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.5253% | 1,852 |
| Net charge-offs to loans | 0.4381% | 2,291 |
| Credit loss provision to net charge-offs | 24.0964% | 4,544 |
| Earnings coverage of net charge-offs (x) | 3.2731% | 3,435 |
| Efficiency ratio | 77.0423% | 2,582 |
| Assets per employee ($millions) | 6.4204% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 2,883 |
| Loan loss allowance to noncurrent loans | 232.6663% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 4,085 |
| Noncurrent loans to loans | 0.7696% | 4,967 |
| Net loans and leases to total assets | 52.7649% | 4,996 |
| Net loans and leases to deposits | 59.9501% | 5,242 |
| Net loans and leases to core deposits | 81.5410% | 3,014 |
| Total domestic deposits to total assets | 88.0146% | 2,131 |
| Equity capital to assets | 10.0937% | 4,193 |
| Core capital (leverage) ratio | 9.6980% | 3,839 |
| Tier 1 risk-based capital ratio | 14.1886% | 4,315 |
| Total risk-based capital ratio | 15.4412% | 4,275 |
| Memoranda: | ||
| Average total assets | $408,838,670 | 1,617 |
| Average earning assets | $378,155,670 | 1,597 |
| Average equity | $40,291,000 | 1,734 |
| Average total loans | $227,334,670 | 1,799 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 6,022 |
| Cost of funding earning assets | 0.4302% | 6,254 |
| Net interest margin | 3.4681% | 4,831 |
| Noninterest income to average assets | 0.4483% | 4,303 |
| Noninterest expense to average assets | 2.8121% | 3,984 |
| Loan and lease loss provision to assets | 0.1177% | 3,872 |
| Net operating income to assets | 0.5244% | 4,715 |
| Return on assets (ROA) | 0.7710% | 3,759 |
| Pretax return on assets | 1.0839% | 3,388 |
| Return on Equity (ROE) | 7.9197% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.9197% | 2,014 |
| Net charge-offs to loans | 0.3989% | 2,105 |
| Credit loss provision to net charge-offs | 52.1739% | 3,245 |
| Earnings coverage of net charge-offs (x) | 3.7870% | 2,745 |
| Efficiency ratio | 76.6988% | 2,688 |
| Assets per employee ($millions) | 6.4880% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 2,966 |
| Loan loss allowance to noncurrent loans | 830.9055% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 4,738 |
| Noncurrent loans to loans | 0.2175% | 6,251 |
| Net loans and leases to total assets | 56.1107% | 4,362 |
| Net loans and leases to deposits | 64.5787% | 4,554 |
| Net loans and leases to core deposits | 90.7263% | 1,778 |
| Total domestic deposits to total assets | 86.8873% | 3,026 |
| Equity capital to assets | 9.7918% | 4,390 |
| Core capital (leverage) ratio | 9.5810% | 3,943 |
| Tier 1 risk-based capital ratio | 13.8269% | 4,590 |
| Total risk-based capital ratio | 15.0804% | 4,562 |
| Memoranda: | ||
| Average total assets | $407,804,000 | 1,627 |
| Average earning assets | $378,419,500 | 1,600 |
| Average equity | $39,698,500 | 1,749 |
| Average total loans | $230,618,000 | 1,788 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 4,973 |
| Cost of funding earning assets | 0.4984% | 6,541 |
| Net interest margin | 4.0273% | 2,746 |
| Noninterest income to average assets | 0.1142% | 6,579 |
| Noninterest expense to average assets | 2.8759% | 4,059 |
| Loan and lease loss provision to assets | 0.2816% | 3,416 |
| Net operating income to assets | 0.4628% | 4,576 |
| Return on assets (ROA) | 0.6564% | 3,902 |
| Pretax return on assets | 0.9773% | 3,328 |
| Return on Equity (ROE) | 6.7706% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.7706% | 1,607 |
| Net charge-offs to loans | 0.7615% | 2,251 |
| Credit loss provision to net charge-offs | 61.2416% | 5,140 |
| Earnings coverage of net charge-offs (x) | 2.1096% | 4,197 |
| Efficiency ratio | 74.7810% | 3,091 |
| Assets per employee ($millions) | 6.4582% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9023% | 2,561 |
| Loan loss allowance to noncurrent loans | 852.5591% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 4,757 |
| Noncurrent loans to loans | 0.2231% | 6,292 |
| Net loans and leases to total assets | 54.8918% | 4,896 |
| Net loans and leases to deposits | 64.9852% | 4,874 |
| Net loans and leases to core deposits | 97.7978% | 1,347 |
| Total domestic deposits to total assets | 84.4681% | 4,112 |
| Equity capital to assets | 9.6774% | 4,637 |
| Core capital (leverage) ratio | 9.3635% | 4,233 |
| Tier 1 risk-based capital ratio | 13.8311% | 4,459 |
| Total risk-based capital ratio | 15.0856% | 4,408 |
| Memoranda: | ||
| Average total assets | $388,915,600 | 1,664 |
| Average earning assets | $360,368,000 | 1,642 |
| Average equity | $37,707,000 | 1,783 |
| Average total loans | $234,800,600 | 1,780 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 4,685 |
| Cost of funding earning assets | 0.5117% | 6,656 |
| Net interest margin | 4.1360% | 2,325 |
| Noninterest income to average assets | 0.1138% | 6,689 |
| Noninterest expense to average assets | 2.9279% | 3,807 |
| Loan and lease loss provision to assets | 0.3798% | 2,584 |
| Net operating income to assets | 0.4162% | 4,922 |
| Return on assets (ROA) | 0.6572% | 4,006 |
| Pretax return on assets | 1.0009% | 3,394 |
| Return on Equity (ROE) | 6.7755% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.7755% | 2,096 |
| Net charge-offs to loans | 0.9175% | 1,747 |
| Credit loss provision to net charge-offs | 67.2604% | 4,568 |
| Earnings coverage of net charge-offs (x) | 1.7985% | 4,315 |
| Efficiency ratio | 74.2480% | 3,133 |
| Assets per employee ($millions) | 6.6645% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 2,471 |
| Loan loss allowance to noncurrent loans | 884.0551% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 4,898 |
| Noncurrent loans to loans | 0.2206% | 6,434 |
| Net loans and leases to total assets | 54.6459% | 5,065 |
| Net loans and leases to deposits | 60.9550% | 5,525 |
| Net loans and leases to core deposits | 89.7801% | 2,281 |
| Total domestic deposits to total assets | 89.6496% | 1,068 |
| Equity capital to assets | 9.3611% | 5,288 |
| Core capital (leverage) ratio | 9.5496% | 4,081 |
| Tier 1 risk-based capital ratio | 13.5685% | 4,687 |
| Total risk-based capital ratio | 14.8226% | 4,654 |
| Memoranda: | ||
| Average total assets | $384,428,000 | 1,694 |
| Average earning assets | $355,956,000 | 1,667 |
| Average equity | $37,290,250 | 1,810 |
| Average total loans | $236,584,000 | 1,786 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 3,945 |
| Cost of funding earning assets | 0.5397% | 6,705 |
| Net interest margin | 4.2918% | 1,698 |
| Noninterest income to average assets | 0.1334% | 6,654 |
| Noninterest expense to average assets | 2.9741% | 3,738 |
| Loan and lease loss provision to assets | 0.3938% | 2,447 |
| Net operating income to assets | 0.4724% | 4,634 |
| Return on assets (ROA) | 0.6216% | 4,080 |
| Pretax return on assets | 0.9663% | 3,374 |
| Return on Equity (ROE) | 6.3269% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.3269% | 2,227 |
| Net charge-offs to loans | 0.8187% | 1,867 |
| Credit loss provision to net charge-offs | 75.5374% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.1617% | 3,763 |
| Efficiency ratio | 72.5215% | 3,630 |
| Assets per employee ($millions) | 6.1501% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 2,375 |
| Loan loss allowance to noncurrent loans | 182.8429% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 3,710 |
| Noncurrent loans to loans | 1.0937% | 4,842 |
| Net loans and leases to total assets | 62.5033% | 3,792 |
| Net loans and leases to deposits | 74.7539% | 3,682 |
| Net loans and leases to core deposits | 111.9159% | 653 |
| Total domestic deposits to total assets | 83.6122% | 4,503 |
| Equity capital to assets | 10.1374% | 3,970 |
| Core capital (leverage) ratio | 9.7084% | 3,650 |
| Tier 1 risk-based capital ratio | 13.2089% | 4,762 |
| Total risk-based capital ratio | 14.4646% | 4,734 |
| Memoranda: | ||
| Average total assets | $374,837,330 | 1,745 |
| Average earning assets | $346,518,330 | 1,728 |
| Average equity | $36,827,000 | 1,816 |
| Average total loans | $238,682,670 | 1,788 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 3,983 |
| Cost of funding earning assets | 0.5533% | 6,790 |
| Net interest margin | 4.2634% | 1,689 |
| Noninterest income to average assets | 0.0875% | 6,975 |
| Noninterest expense to average assets | 3.1899% | 2,927 |
| Loan and lease loss provision to assets | 0.1762% | 3,862 |
| Net operating income to assets | 0.4669% | 4,637 |
| Return on assets (ROA) | 0.5199% | 4,489 |
| Pretax return on assets | 0.7366% | 4,159 |
| Return on Equity (ROE) | 5.3775% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.3775% | 2,961 |
| Net charge-offs to loans | 0.1510% | 3,582 |
| Credit loss provision to net charge-offs | 183.3333% | 1,597 |
| Earnings coverage of net charge-offs (x) | 8.7222% | 1,795 |
| Efficiency ratio | 79.1943% | 2,664 |
| Assets per employee ($millions) | 6.1363% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 2,084 |
| Loan loss allowance to noncurrent loans | 145.8941% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 1.9211% | 3,411 |
| Noncurrent loans to loans | 1.4713% | 4,262 |
| Net loans and leases to total assets | 61.0987% | 4,056 |
| Net loans and leases to deposits | 71.4430% | 4,146 |
| Net loans and leases to core deposits | 105.2300% | 980 |
| Total domestic deposits to total assets | 85.5209% | 3,773 |
| Equity capital to assets | 9.5999% | 4,311 |
| Core capital (leverage) ratio | 9.4671% | 3,866 |
| Tier 1 risk-based capital ratio | 12.8154% | 4,964 |
| Total risk-based capital ratio | 14.0729% | 4,940 |
| Memoranda: | ||
| Average total assets | $374,678,000 | 1,752 |
| Average earning assets | $346,295,500 | 1,736 |
| Average equity | $36,225,000 | 1,825 |
| Average total loans | $238,389,000 | 1,804 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3061% | 3,109 |
| Cost of funding earning assets | 0.5662% | 7,191 |
| Net interest margin | 4.7399% | 748 |
| Noninterest income to average assets | -0.3419% | 7,524 |
| Noninterest expense to average assets | 3.0880% | 3,512 |
| Loan and lease loss provision to assets | 1.1102% | 1,435 |
| Net operating income to assets | -0.1796% | 6,089 |
| Return on assets (ROA) | 0.2747% | 5,184 |
| Pretax return on assets | 0.2664% | 5,320 |
| Return on Equity (ROE) | 2.8434% | 5,016 |
| Retained earnings to average equity (ytd only) | 2.8434% | 3,856 |
| Net charge-offs to loans | 1.5090% | 1,458 |
| Credit loss provision to net charge-offs | 107.5240% | 4,128 |
| Earnings coverage of net charge-offs (x) | 0.8933% | 5,222 |
| Efficiency ratio | 77.0008% | 2,873 |
| Assets per employee ($millions) | 6.0476% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1001% | 2,070 |
| Loan loss allowance to noncurrent loans | 128.0653% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 2.3093% | 2,959 |
| Noncurrent loans to loans | 1.6399% | 4,042 |
| Net loans and leases to total assets | 63.4863% | 3,971 |
| Net loans and leases to deposits | 75.4175% | 3,935 |
| Net loans and leases to core deposits | 109.9560% | 920 |
| Total domestic deposits to total assets | 84.1799% | 4,284 |
| Equity capital to assets | 9.7389% | 4,066 |
| Core capital (leverage) ratio | 9.6088% | 3,541 |
| Tier 1 risk-based capital ratio | 12.6438% | 4,903 |
| Total risk-based capital ratio | 13.9011% | 4,878 |
| Memoranda: | ||
| Average total assets | $362,988,800 | 1,805 |
| Average earning assets | $333,296,800 | 1,794 |
| Average equity | $35,064,000 | 1,889 |
| Average total loans | $248,383,600 | 1,771 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4238% | 2,773 |
| Cost of funding earning assets | 0.5591% | 7,368 |
| Net interest margin | 4.8646% | 590 |
| Noninterest income to average assets | -0.3681% | 7,649 |
| Noninterest expense to average assets | 3.1050% | 3,312 |
| Loan and lease loss provision to assets | 1.4863% | 899 |
| Net operating income to assets | -0.1767% | 6,287 |
| Return on assets (ROA) | 0.1228% | 5,872 |
| Pretax return on assets | -0.0280% | 6,134 |
| Return on Equity (ROE) | 1.2741% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.2741% | 5,298 |
| Net charge-offs to loans | 2.1776% | 841 |
| Credit loss provision to net charge-offs | 98.4367% | 4,428 |
| Earnings coverage of net charge-offs (x) | 0.6558% | 5,386 |
| Efficiency ratio | 75.8195% | 2,986 |
| Assets per employee ($millions) | 6.1163% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 2,493 |
| Loan loss allowance to noncurrent loans | 231.8137% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 3,635 |
| Noncurrent loans to loans | 0.8178% | 5,584 |
| Net loans and leases to total assets | 64.8822% | 3,932 |
| Net loans and leases to deposits | 78.6133% | 3,707 |
| Net loans and leases to core deposits | 112.4352% | 910 |
| Total domestic deposits to total assets | 82.5334% | 4,782 |
| Equity capital to assets | 9.5514% | 4,765 |
| Core capital (leverage) ratio | 9.3669% | 4,106 |
| Tier 1 risk-based capital ratio | 12.3471% | 5,120 |
| Total risk-based capital ratio | 13.6026% | 5,092 |
| Memoranda: | ||
| Average total assets | $361,510,250 | 1,832 |
| Average earning assets | $331,691,750 | 1,827 |
| Average equity | $34,848,250 | 1,923 |
| Average total loans | $250,672,750 | 1,781 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4770% | 2,622 |
| Cost of funding earning assets | 0.5648% | 7,458 |
| Net interest margin | 4.9123% | 523 |
| Noninterest income to average assets | -0.2690% | 7,703 |
| Noninterest expense to average assets | 3.1042% | 3,294 |
| Loan and lease loss provision to assets | 2.2396% | 531 |
| Net operating income to assets | -0.5051% | 6,654 |
| Return on assets (ROA) | -0.2231% | 6,428 |
| Pretax return on assets | -0.6778% | 6,710 |
| Return on Equity (ROE) | -2.3073% | 6,448 |
| Retained earnings to average equity (ytd only) | -2.3073% | 6,195 |
| Net charge-offs to loans | 3.1590% | 491 |
| Credit loss provision to net charge-offs | 100.6281% | 4,047 |
| Earnings coverage of net charge-offs (x) | 0.5038% | 5,224 |
| Efficiency ratio | 73.4648% | 3,569 |
| Assets per employee ($millions) | 5.7580% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 2,326 |
| Loan loss allowance to noncurrent loans | 136.0834% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 2.5796% | 2,815 |
| Noncurrent loans to loans | 1.4237% | 4,576 |
| Net loans and leases to total assets | 67.5860% | 3,475 |
| Net loans and leases to deposits | 76.1301% | 4,311 |
| Net loans and leases to core deposits | 105.6739% | 1,479 |
| Total domestic deposits to total assets | 88.7769% | 1,557 |
| Equity capital to assets | 9.7603% | 4,326 |
| Core capital (leverage) ratio | 9.2993% | 4,121 |
| Tier 1 risk-based capital ratio | 11.9835% | 5,329 |
| Total risk-based capital ratio | 13.2390% | 5,284 |
| Memoranda: | ||
| Average total assets | $357,648,330 | 1,872 |
| Average earning assets | $327,221,670 | 1,859 |
| Average equity | $34,585,670 | 1,932 |
| Average total loans | $251,980,000 | 1,799 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 2,449 |
| Cost of funding earning assets | 0.5755% | 7,570 |
| Net interest margin | 4.9558% | 456 |
| Noninterest income to average assets | 0.2157% | 6,418 |
| Noninterest expense to average assets | 3.0494% | 3,483 |
| Loan and lease loss provision to assets | 4.3634% | 187 |
| Net operating income to assets | -1.3353% | 7,272 |
| Return on assets (ROA) | -1.1744% | 7,223 |
| Pretax return on assets | -2.4236% | 7,501 |
| Return on Equity (ROE) | -12.2009% | 7,223 |
| Retained earnings to average equity (ytd only) | -12.2009% | 7,079 |
| Net charge-offs to loans | 6.1268% | 172 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.3869% | 4,691 |
| Efficiency ratio | 64.3632% | 5,419 |
| Assets per employee ($millions) | 5.6136% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,448 |
| Loan loss allowance to noncurrent loans | 92.9804% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 3.4762% | 2,028 |
| Noncurrent loans to loans | 2.0423% | 3,726 |
| Net loans and leases to total assets | 68.1887% | 3,342 |
| Net loans and leases to deposits | 80.3068% | 3,604 |
| Net loans and leases to core deposits | 107.8314% | 1,430 |
| Total domestic deposits to total assets | 84.9102% | 3,719 |
| Equity capital to assets | 9.4548% | 4,604 |
| Core capital (leverage) ratio | 9.1063% | 4,365 |
| Tier 1 risk-based capital ratio | 11.5292% | 5,649 |
| Total risk-based capital ratio | 12.7844% | 5,620 |
| Memoranda: | ||
| Average total assets | $357,974,000 | 1,914 |
| Average earning assets | $326,650,500 | 1,913 |
| Average equity | $34,456,500 | 1,963 |
| Average total loans | $254,946,500 | 1,835 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6638% | 3,285 |
| Cost of funding earning assets | 0.8376% | 7,499 |
| Net interest margin | 4.8262% | 654 |
| Noninterest income to average assets | -0.3126% | 7,898 |
| Noninterest expense to average assets | 2.9826% | 4,223 |
| Loan and lease loss provision to assets | 1.2066% | 1,907 |
| Net operating income to assets | -0.0505% | 5,583 |
| Return on assets (ROA) | 0.2834% | 4,684 |
| Pretax return on assets | 0.2509% | 4,891 |
| Return on Equity (ROE) | 2.8985% | 4,549 |
| Retained earnings to average equity (ytd only) | 2.8985% | 3,145 |
| Net charge-offs to loans | 1.0051% | 2,406 |
| Credit loss provision to net charge-offs | 165.6394% | 2,630 |
| Earnings coverage of net charge-offs (x) | 1.5424% | 4,593 |
| Efficiency ratio | 72.6372% | 4,161 |
| Assets per employee ($millions) | 5.7529% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 2,474 |
| Loan loss allowance to noncurrent loans | 73.6335% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 3.2960% | 2,079 |
| Noncurrent loans to loans | 2.4753% | 3,070 |
| Net loans and leases to total assets | 71.6129% | 2,856 |
| Net loans and leases to deposits | 82.0305% | 3,609 |
| Net loans and leases to core deposits | 111.2515% | 2,764 |
| Total domestic deposits to total assets | 87.3004% | 2,327 |
| Equity capital to assets | 9.7973% | 4,006 |
| Core capital (leverage) ratio | 9.6276% | 3,550 |
| Tier 1 risk-based capital ratio | 11.6655% | 5,234 |
| Total risk-based capital ratio | 12.9204% | 5,182 |
| Memoranda: | ||
| Average total assets | $356,364,400 | 1,906 |
| Average earning assets | $326,281,000 | 1,910 |
| Average equity | $34,845,800 | 1,930 |
| Average total loans | $258,293,000 | 1,847 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6783% | 3,443 |
| Cost of funding earning assets | 0.8897% | 7,581 |
| Net interest margin | 4.7886% | 699 |
| Noninterest income to average assets | -0.0816% | 7,916 |
| Noninterest expense to average assets | 3.0544% | 3,825 |
| Loan and lease loss provision to assets | 1.2349% | 1,570 |
| Net operating income to assets | 0.0166% | 5,673 |
| Return on assets (ROA) | 0.2971% | 4,904 |
| Pretax return on assets | 0.3102% | 5,032 |
| Return on Equity (ROE) | 3.0402% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.0402% | 3,626 |
| Net charge-offs to loans | 1.1687% | 1,731 |
| Credit loss provision to net charge-offs | 146.0177% | 3,330 |
| Earnings coverage of net charge-offs (x) | 1.4814% | 4,675 |
| Efficiency ratio | 70.9123% | 4,439 |
| Assets per employee ($millions) | 5.7816% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 3,305 |
| Loan loss allowance to noncurrent loans | 59.5937% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.5374% | 1,872 |
| Noncurrent loans to loans | 2.5593% | 2,948 |
| Net loans and leases to total assets | 73.4538% | 2,674 |
| Net loans and leases to deposits | 82.6683% | 3,898 |
| Net loans and leases to core deposits | 114.7421% | 2,757 |
| Total domestic deposits to total assets | 88.8536% | 1,267 |
| Equity capital to assets | 9.8935% | 4,219 |
| Core capital (leverage) ratio | 9.6863% | 3,665 |
| Tier 1 risk-based capital ratio | 11.7002% | 5,245 |
| Total risk-based capital ratio | 12.9523% | 5,189 |
| Memoranda: | ||
| Average total assets | $356,285,500 | 1,923 |
| Average earning assets | $326,547,500 | 1,919 |
| Average equity | $34,821,000 | 1,949 |
| Average total loans | $257,823,500 | 1,873 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7685% | 3,199 |
| Cost of funding earning assets | 0.9483% | 7,628 |
| Net interest margin | 4.8202% | 632 |
| Noninterest income to average assets | 0.2464% | 6,522 |
| Noninterest expense to average assets | 3.1156% | 3,638 |
| Loan and lease loss provision to assets | 1.2375% | 1,386 |
| Net operating income to assets | 0.2178% | 5,193 |
| Return on assets (ROA) | 0.4697% | 4,332 |
| Pretax return on assets | 0.6266% | 4,244 |
| Return on Equity (ROE) | 4.8257% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.8257% | 2,619 |
| Net charge-offs to loans | 1.0533% | 1,706 |
| Credit loss provision to net charge-offs | 164.0567% | 2,795 |
| Earnings coverage of net charge-offs (x) | 2.0261% | 4,076 |
| Efficiency ratio | 67.0906% | 5,343 |
| Assets per employee ($millions) | 5.8220% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 3,066 |
| Loan loss allowance to noncurrent loans | 92.2149% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 3.0239% | 2,098 |
| Noncurrent loans to loans | 1.6530% | 4,015 |
| Net loans and leases to total assets | 69.7486% | 3,767 |
| Net loans and leases to deposits | 79.0330% | 4,697 |
| Net loans and leases to core deposits | 105.5074% | 3,899 |
| Total domestic deposits to total assets | 88.2525% | 1,647 |
| Equity capital to assets | 9.6387% | 4,442 |
| Core capital (leverage) ratio | 9.9240% | 3,376 |
| Tier 1 risk-based capital ratio | 11.9381% | 4,971 |
| Total risk-based capital ratio | 13.1899% | 4,886 |
| Memoranda: | ||
| Average total assets | $355,561,330 | 1,950 |
| Average earning assets | $324,382,000 | 1,955 |
| Average equity | $34,606,670 | 1,959 |
| Average total loans | $254,638,330 | 1,921 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7458% | 3,555 |
| Cost of funding earning assets | 1.0446% | 7,604 |
| Net interest margin | 4.7012% | 761 |
| Noninterest income to average assets | 0.2732% | 6,245 |
| Noninterest expense to average assets | 3.1933% | 3,012 |
| Loan and lease loss provision to assets | 0.7312% | 1,753 |
| Net operating income to assets | 0.4209% | 4,774 |
| Return on assets (ROA) | 0.6439% | 4,003 |
| Pretax return on assets | 0.9772% | 3,436 |
| Return on Equity (ROE) | 6.5828% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.5828% | 2,385 |
| Net charge-offs to loans | 0.3573% | 2,656 |
| Credit loss provision to net charge-offs | 284.1410% | 1,697 |
| Earnings coverage of net charge-offs (x) | 5.3260% | 2,694 |
| Efficiency ratio | 69.9702% | 4,584 |
| Assets per employee ($millions) | 5.6974% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 3,931 |
| Loan loss allowance to noncurrent loans | 64.8162% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.5957% | 2,205 |
| Noncurrent loans to loans | 2.0462% | 3,201 |
| Net loans and leases to total assets | 72.7921% | 3,052 |
| Net loans and leases to deposits | 84.4941% | 3,897 |
| Net loans and leases to core deposits | 110.4335% | 3,376 |
| Total domestic deposits to total assets | 86.1505% | 2,636 |
| Equity capital to assets | 9.8412% | 4,193 |
| Core capital (leverage) ratio | 9.8122% | 3,623 |
| Tier 1 risk-based capital ratio | 11.6646% | 5,242 |
| Total risk-based capital ratio | 12.8853% | 5,183 |
| Memoranda: | ||
| Average total assets | $352,861,000 | 1,968 |
| Average earning assets | $322,046,500 | 1,971 |
| Average equity | $34,514,000 | 1,974 |
| Average total loans | $254,126,000 | 1,940 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 4,269 |
| Cost of funding earning assets | 1.5196% | 7,576 |
| Net interest margin | 4.7256% | 923 |
| Noninterest income to average assets | -0.4140% | 8,262 |
| Noninterest expense to average assets | 2.9421% | 4,289 |
| Loan and lease loss provision to assets | 0.5795% | 2,505 |
| Net operating income to assets | 0.3196% | 5,479 |
| Return on assets (ROA) | 0.3968% | 4,977 |
| Pretax return on assets | 0.5003% | 4,974 |
| Return on Equity (ROE) | 4.0109% | 4,825 |
| Retained earnings to average equity (ytd only) | 3.1242% | 3,209 |
| Net charge-offs to loans | 0.7759% | 1,605 |
| Credit loss provision to net charge-offs | 108.0109% | 4,975 |
| Earnings coverage of net charge-offs (x) | 1.8305% | 5,160 |
| Efficiency ratio | 74.9721% | 3,403 |
| Assets per employee ($millions) | 5.5075% | 1,454 |
| Cash dividends to net income (ytd only)* | 22.1076% | 4,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 4,338 |
| Loan loss allowance to noncurrent loans | 90.1484% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 3.1355% | 1,462 |
| Noncurrent loans to loans | 1.3607% | 3,798 |
| Net loans and leases to total assets | 69.4014% | 4,167 |
| Net loans and leases to deposits | 79.1740% | 5,169 |
| Net loans and leases to core deposits | 94.3002% | 5,423 |
| Total domestic deposits to total assets | 87.6567% | 1,632 |
| Equity capital to assets | 9.7210% | 4,398 |
| Core capital (leverage) ratio | 9.7829% | 3,675 |
| Tier 1 risk-based capital ratio | 11.6206% | 5,139 |
| Total risk-based capital ratio | 12.7143% | 5,169 |
| Memoranda: | ||
| Average total assets | $341,996,400 | 1,943 |
| Average earning assets | $313,969,000 | 1,942 |
| Average equity | $33,832,400 | 2,003 |
| Average total loans | $236,490,600 | 1,997 |