Home > BankAnnapolis > Performance and Condition Ratios
BankAnnapolis, Performance and Condition Ratios
| 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 | 4.1503% | 3,510 |
| Cost of funding earning assets | 0.6000% | 3,108 |
| Net interest margin | 3.5504% | 3,477 |
| Noninterest income to average assets | 0.3392% | 4,983 |
| Noninterest expense to average assets | 2.8500% | 3,540 |
| Loan and lease loss provision to assets | 1.4951% | 96 |
| Net operating income to assets | -0.3048% | 6,579 |
| Return on assets (ROA) | -0.3048% | 6,613 |
| Pretax return on assets | -0.6928% | 6,730 |
| Return on Equity (ROE) | -3.4668% | 6,630 |
| Retained earnings to average equity (ytd only) | -3.5799% | 6,241 |
| Net charge-offs to loans | 0.0372% | 3,504 |
| Credit loss provision to net charge-offs | 6,357.6923% | 38 |
| Earnings coverage of net charge-offs (x) | 34.1154% | 894 |
| Efficiency ratio | 78.0337% | 2,603 |
| Assets per employee ($millions) | 4.8777% | 2,382 |
| Cash dividends to net income (ytd only)* | -3.2641% | 6,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8607% | 765 |
| Loan loss allowance to noncurrent loans | 66.1614% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.8720% | 1,568 |
| Noncurrent loans to loans | 4.3239% | 993 |
| Net loans and leases to total assets | 61.4469% | 3,181 |
| Net loans and leases to deposits | 77.2260% | 2,460 |
| Net loans and leases to core deposits | 80.8988% | 2,708 |
| Total domestic deposits to total assets | 79.5676% | 5,849 |
| Equity capital to assets | 8.3372% | 6,163 |
| Core capital (leverage) ratio | 8.0814% | 6,067 |
| Tier 1 risk-based capital ratio | 11.3409% | 6,260 |
| Total risk-based capital ratio | 12.6065% | 6,229 |
| Memoranda: | ||
| Average total assets | $442,239,000 | 1,516 |
| Average earning assets | $412,691,000 | 1,489 |
| Average equity | $38,883,500 | 1,825 |
| Average total loans | $279,284,500 | 1,528 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 3,068 |
| Cost of funding earning assets | 0.6616% | 3,820 |
| Net interest margin | 3.9208% | 2,739 |
| Noninterest income to average assets | 0.4141% | 4,501 |
| Noninterest expense to average assets | 2.6226% | 4,664 |
| Loan and lease loss provision to assets | 0.1554% | 3,671 |
| Net operating income to assets | 0.8195% | 3,188 |
| Return on assets (ROA) | 0.8195% | 3,438 |
| Pretax return on assets | 1.3125% | 2,348 |
| Return on Equity (ROE) | 8.7309% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.1526% | 1,071 |
| Net charge-offs to loans | 0.5325% | 2,128 |
| Credit loss provision to net charge-offs | 44.1575% | 4,836 |
| Earnings coverage of net charge-offs (x) | 4.1717% | 3,452 |
| Efficiency ratio | 64.1159% | 4,860 |
| Assets per employee ($millions) | 4.6893% | 2,655 |
| Cash dividends to net income (ytd only)* | 6.6242% | 4,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2490% | 1,462 |
| Loan loss allowance to noncurrent loans | 62.6376% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.4365% | 2,007 |
| Noncurrent loans to loans | 3.5905% | 1,373 |
| Net loans and leases to total assets | 61.6318% | 3,308 |
| Net loans and leases to deposits | 77.7815% | 2,566 |
| Net loans and leases to core deposits | 80.9971% | 2,881 |
| Total domestic deposits to total assets | 79.2372% | 5,840 |
| Equity capital to assets | 9.2410% | 5,220 |
| Core capital (leverage) ratio | 9.0405% | 4,829 |
| Tier 1 risk-based capital ratio | 12.6412% | 5,371 |
| Total risk-based capital ratio | 13.9002% | 5,310 |
| Memoranda: | ||
| Average total assets | $440,243,400 | 1,499 |
| Average earning assets | $412,799,600 | 1,460 |
| Average equity | $41,324,400 | 1,690 |
| Average total loans | $290,867,800 | 1,443 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 2,865 |
| Cost of funding earning assets | 0.6748% | 3,978 |
| Net interest margin | 4.0095% | 2,466 |
| Noninterest income to average assets | 0.4061% | 4,591 |
| Noninterest expense to average assets | 2.6002% | 4,736 |
| Loan and lease loss provision to assets | 0.0930% | 4,429 |
| Net operating income to assets | 0.9198% | 2,882 |
| Return on assets (ROA) | 0.9198% | 3,107 |
| Pretax return on assets | 1.4760% | 1,978 |
| Return on Equity (ROE) | 9.7603% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.3284% | 1,118 |
| Net charge-offs to loans | 0.3822% | 2,566 |
| Credit loss provision to net charge-offs | 36.3853% | 4,693 |
| Earnings coverage of net charge-offs (x) | 6.1415% | 2,843 |
| Efficiency ratio | 62.3679% | 5,090 |
| Assets per employee ($millions) | 4.5926% | 2,756 |
| Cash dividends to net income (ytd only)* | 4.4253% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3343% | 1,455 |
| Loan loss allowance to noncurrent loans | 100.9262% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 3,076 |
| Noncurrent loans to loans | 2.3129% | 2,492 |
| Net loans and leases to total assets | 63.7416% | 3,070 |
| Net loans and leases to deposits | 82.0442% | 2,111 |
| Net loans and leases to core deposits | 85.7532% | 2,496 |
| Total domestic deposits to total assets | 77.6918% | 6,135 |
| Equity capital to assets | 9.3748% | 5,370 |
| Core capital (leverage) ratio | 9.0315% | 5,015 |
| Tier 1 risk-based capital ratio | 12.5297% | 5,616 |
| Total risk-based capital ratio | 13.7899% | 5,576 |
| Memoranda: | ||
| Average total assets | $438,933,250 | 1,516 |
| Average earning assets | $411,947,250 | 1,481 |
| Average equity | $41,363,750 | 1,698 |
| Average total loans | $293,365,500 | 1,447 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 3,154 |
| Cost of funding earning assets | 0.6875% | 4,122 |
| Net interest margin | 3.9588% | 2,684 |
| Noninterest income to average assets | 0.3829% | 4,770 |
| Noninterest expense to average assets | 2.6302% | 4,681 |
| Loan and lease loss provision to assets | 0.1260% | 3,945 |
| Net operating income to assets | 0.8431% | 3,181 |
| Return on assets (ROA) | 0.8431% | 3,447 |
| Pretax return on assets | 1.3478% | 2,395 |
| Return on Equity (ROE) | 8.9311% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.7625% | 1,355 |
| Net charge-offs to loans | 0.3720% | 2,533 |
| Credit loss provision to net charge-offs | 50.2722% | 4,032 |
| Earnings coverage of net charge-offs (x) | 5.8820% | 2,738 |
| Efficiency ratio | 64.0886% | 4,887 |
| Assets per employee ($millions) | 4.5565% | 2,798 |
| Cash dividends to net income (ytd only)* | 1.8878% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3229% | 1,550 |
| Loan loss allowance to noncurrent loans | 106.3260% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.7525% | 3,101 |
| Noncurrent loans to loans | 2.1847% | 2,730 |
| Net loans and leases to total assets | 66.4064% | 2,592 |
| Net loans and leases to deposits | 84.5986% | 1,778 |
| Net loans and leases to core deposits | 88.2206% | 2,183 |
| Total domestic deposits to total assets | 78.4958% | 6,056 |
| Equity capital to assets | 9.0873% | 5,596 |
| Core capital (leverage) ratio | 8.7544% | 5,287 |
| Tier 1 risk-based capital ratio | 11.7850% | 6,065 |
| Total risk-based capital ratio | 13.0455% | 6,038 |
| Memoranda: | ||
| Average total assets | $439,812,330 | 1,514 |
| Average earning assets | $413,409,000 | 1,471 |
| Average equity | $41,517,670 | 1,686 |
| Average total loans | $296,237,670 | 1,437 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 3,341 |
| Cost of funding earning assets | 0.7008% | 4,278 |
| Net interest margin | 3.9340% | 2,792 |
| Noninterest income to average assets | 0.3619% | 4,982 |
| Noninterest expense to average assets | 2.6476% | 4,632 |
| Loan and lease loss provision to assets | 0.1515% | 3,479 |
| Net operating income to assets | 0.7936% | 3,403 |
| Return on assets (ROA) | 0.7936% | 3,647 |
| Pretax return on assets | 1.2644% | 2,674 |
| Return on Equity (ROE) | 8.2544% | 3,167 |
| Retained earnings to average equity (ytd only) | 8.2544% | 1,879 |
| Net charge-offs to loans | 0.7901% | 1,300 |
| Credit loss provision to net charge-offs | 28.5959% | 3,645 |
| Earnings coverage of net charge-offs (x) | 2.6729% | 3,117 |
| Efficiency ratio | 65.1563% | 4,704 |
| Assets per employee ($millions) | 4.6368% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2485% | 1,781 |
| Loan loss allowance to noncurrent loans | 111.7812% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 3,286 |
| Noncurrent loans to loans | 2.0115% | 3,147 |
| Net loans and leases to total assets | 66.7653% | 2,336 |
| Net loans and leases to deposits | 84.7843% | 1,566 |
| Net loans and leases to core deposits | 88.0907% | 2,042 |
| Total domestic deposits to total assets | 78.7473% | 6,134 |
| Equity capital to assets | 9.7145% | 4,502 |
| Core capital (leverage) ratio | 9.5030% | 4,046 |
| Tier 1 risk-based capital ratio | 12.6786% | 5,468 |
| Total risk-based capital ratio | 13.9384% | 5,419 |
| Memoranda: | ||
| Average total assets | $441,007,500 | 1,511 |
| Average earning assets | $414,947,000 | 1,470 |
| Average equity | $42,401,500 | 1,639 |
| Average total loans | $295,664,500 | 1,437 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 3,383 |
| Cost of funding earning assets | 0.8438% | 4,514 |
| Net interest margin | 4.0513% | 2,629 |
| Noninterest income to average assets | 0.3833% | 4,761 |
| Noninterest expense to average assets | 2.8117% | 4,302 |
| Loan and lease loss provision to assets | 0.5048% | 2,082 |
| Net operating income to assets | 0.5506% | 4,227 |
| Return on assets (ROA) | 0.5506% | 4,413 |
| Pretax return on assets | 0.8546% | 3,763 |
| Return on Equity (ROE) | 5.8786% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.4342% | 3,016 |
| Net charge-offs to loans | 0.6463% | 2,532 |
| Credit loss provision to net charge-offs | 117.6787% | 2,734 |
| Earnings coverage of net charge-offs (x) | 3.1693% | 3,626 |
| Efficiency ratio | 67.4090% | 4,485 |
| Assets per employee ($millions) | 4.5992% | 2,756 |
| Cash dividends to net income (ytd only)* | 24.5710% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4726% | 1,355 |
| Loan loss allowance to noncurrent loans | 116.1760% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 3,437 |
| Noncurrent loans to loans | 2.1283% | 3,034 |
| Net loans and leases to total assets | 64.1611% | 3,154 |
| Net loans and leases to deposits | 80.7654% | 2,397 |
| Net loans and leases to core deposits | 85.4011% | 2,711 |
| Total domestic deposits to total assets | 79.4412% | 5,880 |
| Equity capital to assets | 9.5151% | 4,864 |
| Core capital (leverage) ratio | 9.2831% | 4,357 |
| Tier 1 risk-based capital ratio | 12.6678% | 5,327 |
| Total risk-based capital ratio | 13.9297% | 5,301 |
| Memoranda: | ||
| Average total assets | $433,866,600 | 1,504 |
| Average earning assets | $405,650,400 | 1,468 |
| Average equity | $40,639,000 | 1,657 |
| Average total loans | $287,951,000 | 1,487 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 3,455 |
| Cost of funding earning assets | 0.8702% | 4,640 |
| Net interest margin | 4.0548% | 2,674 |
| Noninterest income to average assets | 0.3846% | 4,774 |
| Noninterest expense to average assets | 2.8931% | 3,962 |
| Loan and lease loss provision to assets | 0.4858% | 2,045 |
| Net operating income to assets | 0.5152% | 4,472 |
| Return on assets (ROA) | 0.5152% | 4,666 |
| Pretax return on assets | 0.7899% | 4,170 |
| Return on Equity (ROE) | 5.5223% | 4,274 |
| Retained earnings to average equity (ytd only) | 4.0698% | 3,833 |
| Net charge-offs to loans | 0.4223% | 3,033 |
| Credit loss provision to net charge-offs | 172.9670% | 1,731 |
| Earnings coverage of net charge-offs (x) | 4.5418% | 3,032 |
| Efficiency ratio | 69.3988% | 4,059 |
| Assets per employee ($millions) | 4.5867% | 2,774 |
| Cash dividends to net income (ytd only)* | 26.3032% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5554% | 1,318 |
| Loan loss allowance to noncurrent loans | 125.5973% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.6540% | 3,604 |
| Noncurrent loans to loans | 2.0346% | 3,323 |
| Net loans and leases to total assets | 65.7836% | 2,950 |
| Net loans and leases to deposits | 84.2006% | 1,972 |
| Net loans and leases to core deposits | 89.2094% | 2,338 |
| Total domestic deposits to total assets | 78.1272% | 6,169 |
| Equity capital to assets | 9.5257% | 5,040 |
| Core capital (leverage) ratio | 9.2613% | 4,527 |
| Tier 1 risk-based capital ratio | 12.8232% | 5,228 |
| Total risk-based capital ratio | 14.0856% | 5,195 |
| Memoranda: | ||
| Average total assets | $431,953,250 | 1,521 |
| Average earning assets | $403,137,000 | 1,494 |
| Average equity | $40,296,000 | 1,671 |
| Average total loans | $287,322,250 | 1,500 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 3,478 |
| Cost of funding earning assets | 0.8920% | 4,741 |
| Net interest margin | 4.0405% | 2,645 |
| Noninterest income to average assets | 0.3645% | 4,960 |
| Noninterest expense to average assets | 2.8879% | 4,071 |
| Loan and lease loss provision to assets | 0.5740% | 1,690 |
| Net operating income to assets | 0.4407% | 4,768 |
| Return on assets (ROA) | 0.4407% | 4,905 |
| Pretax return on assets | 0.6636% | 4,520 |
| Return on Equity (ROE) | 4.7578% | 4,563 |
| Retained earnings to average equity (ytd only) | 3.2889% | 4,168 |
| Net charge-offs to loans | 0.5732% | 2,389 |
| Credit loss provision to net charge-offs | 151.2852% | 2,018 |
| Earnings coverage of net charge-offs (x) | 3.2619% | 3,238 |
| Efficiency ratio | 70.0023% | 4,121 |
| Assets per employee ($millions) | 4.6161% | 2,663 |
| Cash dividends to net income (ytd only)* | 30.8746% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5064% | 1,438 |
| Loan loss allowance to noncurrent loans | 127.9831% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 3,683 |
| Noncurrent loans to loans | 1.9584% | 3,533 |
| Net loans and leases to total assets | 65.1902% | 3,211 |
| Net loans and leases to deposits | 83.1422% | 2,246 |
| Net loans and leases to core deposits | 87.9365% | 2,651 |
| Total domestic deposits to total assets | 78.4081% | 6,212 |
| Equity capital to assets | 9.3235% | 5,111 |
| Core capital (leverage) ratio | 9.1088% | 4,551 |
| Tier 1 risk-based capital ratio | 12.6666% | 5,208 |
| Total risk-based capital ratio | 13.9297% | 5,163 |
| Memoranda: | ||
| Average total assets | $430,691,670 | 1,533 |
| Average earning assets | $400,890,330 | 1,511 |
| Average equity | $39,892,330 | 1,678 |
| Average total loans | $285,042,670 | 1,525 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 3,407 |
| Cost of funding earning assets | 0.8930% | 4,974 |
| Net interest margin | 4.0389% | 2,522 |
| Noninterest income to average assets | 0.3440% | 5,165 |
| Noninterest expense to average assets | 2.7892% | 4,492 |
| Loan and lease loss provision to assets | 0.5192% | 1,673 |
| Net operating income to assets | 0.5286% | 4,362 |
| Return on assets (ROA) | 0.5286% | 4,445 |
| Pretax return on assets | 0.7840% | 3,958 |
| Return on Equity (ROE) | 5.7258% | 4,054 |
| Retained earnings to average equity (ytd only) | 4.2514% | 3,622 |
| Net charge-offs to loans | 0.7335% | 1,752 |
| Credit loss provision to net charge-offs | 107.5290% | 2,479 |
| Earnings coverage of net charge-offs (x) | 2.6988% | 2,998 |
| Efficiency ratio | 68.1549% | 4,628 |
| Assets per employee ($millions) | 4.3921% | 3,056 |
| Cash dividends to net income (ytd only)* | 25.7496% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4176% | 1,583 |
| Loan loss allowance to noncurrent loans | 102.5290% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 1.9552% | 3,368 |
| Noncurrent loans to loans | 2.3580% | 3,127 |
| Net loans and leases to total assets | 65.2953% | 3,180 |
| Net loans and leases to deposits | 82.6753% | 2,239 |
| Net loans and leases to core deposits | 87.8482% | 2,619 |
| Total domestic deposits to total assets | 78.9780% | 6,195 |
| Equity capital to assets | 9.3201% | 4,693 |
| Core capital (leverage) ratio | 9.2781% | 4,156 |
| Tier 1 risk-based capital ratio | 12.7654% | 4,998 |
| Total risk-based capital ratio | 14.0274% | 4,972 |
| Memoranda: | ||
| Average total assets | $429,081,500 | 1,550 |
| Average earning assets | $398,227,500 | 1,527 |
| Average equity | $39,610,500 | 1,681 |
| Average total loans | $282,494,000 | 1,553 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 4,914 |
| Cost of funding earning assets | 1.1047% | 5,113 |
| Net interest margin | 3.8172% | 3,880 |
| Noninterest income to average assets | 0.3805% | 5,055 |
| Noninterest expense to average assets | 2.7604% | 4,740 |
| Loan and lease loss provision to assets | 0.4938% | 3,185 |
| Net operating income to assets | 0.4270% | 4,426 |
| Return on assets (ROA) | 0.4189% | 4,596 |
| Pretax return on assets | 0.6534% | 4,151 |
| Return on Equity (ROE) | 4.6558% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.1532% | 3,660 |
| Net charge-offs to loans | 1.1539% | 1,934 |
| Credit loss provision to net charge-offs | 66.6874% | 5,940 |
| Earnings coverage of net charge-offs (x) | 1.5663% | 4,563 |
| Efficiency ratio | 70.4140% | 4,086 |
| Assets per employee ($millions) | 4.4095% | 3,007 |
| Cash dividends to net income (ytd only)* | 32.2722% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4482% | 1,482 |
| Loan loss allowance to noncurrent loans | 81.6903% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3134% | 2,955 |
| Noncurrent loans to loans | 2.9970% | 2,556 |
| Net loans and leases to total assets | 63.1902% | 4,029 |
| Net loans and leases to deposits | 80.0335% | 3,172 |
| Net loans and leases to core deposits | 84.3938% | 3,542 |
| Total domestic deposits to total assets | 78.9547% | 6,091 |
| Equity capital to assets | 9.1440% | 4,928 |
| Core capital (leverage) ratio | 9.0159% | 4,522 |
| Tier 1 risk-based capital ratio | 12.7188% | 4,845 |
| Total risk-based capital ratio | 13.9810% | 4,810 |
| Memoranda: | ||
| Average total assets | $434,981,000 | 1,537 |
| Average earning assets | $403,357,400 | 1,507 |
| Average equity | $39,134,400 | 1,688 |
| Average total loans | $279,149,000 | 1,601 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 5,017 |
| Cost of funding earning assets | 1.1536% | 5,125 |
| Net interest margin | 3.8011% | 3,969 |
| Noninterest income to average assets | 0.3828% | 5,088 |
| Noninterest expense to average assets | 2.8065% | 4,457 |
| Loan and lease loss provision to assets | 0.3736% | 3,652 |
| Net operating income to assets | 0.4683% | 4,450 |
| Return on assets (ROA) | 0.4575% | 4,688 |
| Pretax return on assets | 0.7161% | 4,182 |
| Return on Equity (ROE) | 5.1058% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.5997% | 3,916 |
| Net charge-offs to loans | 0.8379% | 2,361 |
| Credit loss provision to net charge-offs | 69.6520% | 5,431 |
| Earnings coverage of net charge-offs (x) | 2.0628% | 4,180 |
| Efficiency ratio | 71.7213% | 3,760 |
| Assets per employee ($millions) | 4.3249% | 3,212 |
| Cash dividends to net income (ytd only)* | 29.4986% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6431% | 1,150 |
| Loan loss allowance to noncurrent loans | 64.9223% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 3.0355% | 2,393 |
| Noncurrent loans to loans | 4.0712% | 1,830 |
| Net loans and leases to total assets | 62.9731% | 4,330 |
| Net loans and leases to deposits | 81.9166% | 3,126 |
| Net loans and leases to core deposits | 86.5631% | 3,579 |
| Total domestic deposits to total assets | 76.8746% | 6,507 |
| Equity capital to assets | 9.2729% | 5,184 |
| Core capital (leverage) ratio | 9.0500% | 4,604 |
| Tier 1 risk-based capital ratio | 12.9940% | 4,582 |
| Total risk-based capital ratio | 14.2588% | 4,547 |
| Memoranda: | ||
| Average total assets | $435,694,000 | 1,558 |
| Average earning assets | $404,647,250 | 1,526 |
| Average equity | $39,039,500 | 1,710 |
| Average total loans | $278,957,250 | 1,629 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 4,703 |
| Cost of funding earning assets | 1.2077% | 5,082 |
| Net interest margin | 3.8425% | 3,704 |
| Noninterest income to average assets | 0.3842% | 5,047 |
| Noninterest expense to average assets | 2.8368% | 4,329 |
| Loan and lease loss provision to assets | 0.2743% | 4,194 |
| Net operating income to assets | 0.5400% | 4,144 |
| Return on assets (ROA) | 0.5239% | 4,382 |
| Pretax return on assets | 0.8247% | 3,797 |
| Return on Equity (ROE) | 5.9145% | 3,840 |
| Retained earnings to average equity (ytd only) | 4.4152% | 3,267 |
| Net charge-offs to loans | 1.2515% | 1,522 |
| Credit loss provision to net charge-offs | 34.3463% | 5,676 |
| Earnings coverage of net charge-offs (x) | 1.4077% | 4,431 |
| Efficiency ratio | 71.6185% | 3,873 |
| Assets per employee ($millions) | 4.2741% | 3,264 |
| Cash dividends to net income (ytd only)* | 25.3497% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4537% | 1,362 |
| Loan loss allowance to noncurrent loans | 64.3603% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 2.8926% | 2,487 |
| Noncurrent loans to loans | 3.8124% | 2,021 |
| Net loans and leases to total assets | 62.4485% | 4,593 |
| Net loans and leases to deposits | 79.1424% | 3,770 |
| Net loans and leases to core deposits | 84.1416% | 4,122 |
| Total domestic deposits to total assets | 78.9065% | 6,064 |
| Equity capital to assets | 9.2125% | 5,126 |
| Core capital (leverage) ratio | 8.9171% | 4,726 |
| Tier 1 risk-based capital ratio | 12.9841% | 4,459 |
| Total risk-based capital ratio | 14.2465% | 4,405 |
| Memoranda: | ||
| Average total assets | $436,763,670 | 1,558 |
| Average earning assets | $406,560,330 | 1,523 |
| Average equity | $38,684,670 | 1,721 |
| Average total loans | $278,695,330 | 1,642 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 3,780 |
| Cost of funding earning assets | 1.2634% | 5,047 |
| Net interest margin | 3.9876% | 2,928 |
| Noninterest income to average assets | 0.3897% | 5,000 |
| Noninterest expense to average assets | 2.8363% | 4,339 |
| Loan and lease loss provision to assets | 0.2149% | 4,361 |
| Net operating income to assets | 0.6494% | 3,666 |
| Return on assets (ROA) | 0.6173% | 3,960 |
| Pretax return on assets | 0.9870% | 3,137 |
| Return on Equity (ROE) | 7.1102% | 3,286 |
| Retained earnings to average equity (ytd only) | 5.5896% | 2,817 |
| Net charge-offs to loans | 0.5946% | 2,320 |
| Credit loss provision to net charge-offs | 56.7308% | 4,371 |
| Earnings coverage of net charge-offs (x) | 3.3053% | 2,946 |
| Efficiency ratio | 69.3764% | 4,430 |
| Assets per employee ($millions) | 4.4773% | 2,995 |
| Cash dividends to net income (ytd only)* | 21.3864% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7887% | 1,002 |
| Loan loss allowance to noncurrent loans | 63.4398% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 3.2181% | 2,228 |
| Noncurrent loans to loans | 4.3958% | 1,711 |
| Net loans and leases to total assets | 62.1738% | 4,725 |
| Net loans and leases to deposits | 78.2131% | 4,000 |
| Net loans and leases to core deposits | 82.4380% | 4,424 |
| Total domestic deposits to total assets | 79.4928% | 5,952 |
| Equity capital to assets | 8.9328% | 5,375 |
| Core capital (leverage) ratio | 8.7563% | 4,929 |
| Tier 1 risk-based capital ratio | 12.8050% | 4,474 |
| Total risk-based capital ratio | 14.0713% | 4,437 |
| Memoranda: | ||
| Average total assets | $439,302,000 | 1,596 |
| Average earning assets | $407,461,000 | 1,558 |
| Average equity | $38,142,500 | 1,763 |
| Average total loans | $279,861,500 | 1,682 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 5,873 |
| Cost of funding earning assets | 1.6819% | 4,604 |
| Net interest margin | 3.4689% | 5,087 |
| Noninterest income to average assets | 0.3788% | 5,384 |
| Noninterest expense to average assets | 2.6664% | 5,530 |
| Loan and lease loss provision to assets | 1.4774% | 1,557 |
| Net operating income to assets | -0.3034% | 5,975 |
| Return on assets (ROA) | -0.3034% | 5,972 |
| Pretax return on assets | -0.5356% | 6,040 |
| Return on Equity (ROE) | -3.6869% | 6,077 |
| Retained earnings to average equity (ytd only) | -5.4329% | 6,078 |
| Net charge-offs to loans | 0.9971% | 2,418 |
| Credit loss provision to net charge-offs | 238.9478% | 1,504 |
| Earnings coverage of net charge-offs (x) | 1.5232% | 4,607 |
| Efficiency ratio | 73.8981% | 3,917 |
| Assets per employee ($millions) | 4.4879% | 2,946 |
| Cash dividends to net income (ytd only)* | -47.3567% | 7,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8111% | 923 |
| Loan loss allowance to noncurrent loans | 47.1786% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 4.3209% | 1,514 |
| Noncurrent loans to loans | 5.9583% | 1,054 |
| Net loans and leases to total assets | 61.6763% | 5,062 |
| Net loans and leases to deposits | 78.1475% | 4,337 |
| Net loans and leases to core deposits | 92.8869% | 4,797 |
| Total domestic deposits to total assets | 78.9229% | 6,000 |
| Equity capital to assets | 8.4379% | 5,999 |
| Core capital (leverage) ratio | 8.5596% | 5,172 |
| Tier 1 risk-based capital ratio | 12.4111% | 4,585 |
| Total risk-based capital ratio | 13.6622% | 4,544 |
| Memoranda: | ||
| Average total assets | $442,663,000 | 1,573 |
| Average earning assets | $412,085,800 | 1,539 |
| Average equity | $36,426,000 | 1,848 |
| Average total loans | $274,498,600 | 1,755 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 6,315 |
| Cost of funding earning assets | 1.7658% | 4,549 |
| Net interest margin | 3.3205% | 5,563 |
| Noninterest income to average assets | 0.3383% | 5,784 |
| Noninterest expense to average assets | 2.5171% | 6,015 |
| Loan and lease loss provision to assets | 1.8429% | 1,006 |
| Net operating income to assets | -0.5535% | 6,484 |
| Return on assets (ROA) | -0.5535% | 6,480 |
| Pretax return on assets | -0.9252% | 6,623 |
| Return on Equity (ROE) | -6.7697% | 6,639 |
| Retained earnings to average equity (ytd only) | -8.5765% | 6,666 |
| Net charge-offs to loans | 0.5595% | 3,005 |
| Credit loss provision to net charge-offs | 534.3531% | 735 |
| Earnings coverage of net charge-offs (x) | 2.6608% | 3,895 |
| Efficiency ratio | 73.2818% | 3,998 |
| Assets per employee ($millions) | 4.5925% | 2,706 |
| Cash dividends to net income (ytd only)* | -26.6886% | 7,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2571% | 526 |
| Loan loss allowance to noncurrent loans | 57.3954% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 3.5560% | 1,859 |
| Noncurrent loans to loans | 5.6748% | 1,088 |
| Net loans and leases to total assets | 60.6213% | 5,484 |
| Net loans and leases to deposits | 77.2197% | 4,861 |
| Net loans and leases to core deposits | 91.6617% | 5,263 |
| Total domestic deposits to total assets | 78.5049% | 5,949 |
| Equity capital to assets | 8.4189% | 6,362 |
| Core capital (leverage) ratio | 8.4296% | 5,620 |
| Tier 1 risk-based capital ratio | 12.5260% | 4,522 |
| Total risk-based capital ratio | 13.7980% | 4,456 |
| Memoranda: | ||
| Average total assets | $442,252,000 | 1,577 |
| Average earning assets | $412,421,500 | 1,550 |
| Average equity | $36,160,000 | 1,879 |
| Average total loans | $272,633,750 | 1,779 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 6,707 |
| Cost of funding earning assets | 1.8973% | 4,279 |
| Net interest margin | 3.1216% | 6,177 |
| Noninterest income to average assets | 0.3305% | 5,865 |
| Noninterest expense to average assets | 2.5754% | 5,836 |
| Loan and lease loss provision to assets | 2.2716% | 705 |
| Net operating income to assets | -0.9642% | 6,949 |
| Return on assets (ROA) | -0.9642% | 6,951 |
| Pretax return on assets | -1.6039% | 7,133 |
| Return on Equity (ROE) | -11.9120% | 7,169 |
| Retained earnings to average equity (ytd only) | -13.7601% | 7,170 |
| Net charge-offs to loans | 0.4533% | 3,008 |
| Credit loss provision to net charge-offs | 817.4551% | 577 |
| Earnings coverage of net charge-offs (x) | 2.4029% | 3,865 |
| Efficiency ratio | 79.4101% | 3,135 |
| Assets per employee ($millions) | 4.8836% | 2,217 |
| Cash dividends to net income (ytd only)* | -15.5148% | 7,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1275% | 507 |
| Loan loss allowance to noncurrent loans | 76.3941% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 2.4297% | 2,655 |
| Noncurrent loans to loans | 4.0939% | 1,635 |
| Net loans and leases to total assets | 57.4943% | 6,036 |
| Net loans and leases to deposits | 72.8404% | 5,624 |
| Net loans and leases to core deposits | 85.0986% | 6,001 |
| Total domestic deposits to total assets | 78.9319% | 5,830 |
| Equity capital to assets | 7.8673% | 6,897 |
| Core capital (leverage) ratio | 8.0748% | 6,208 |
| Tier 1 risk-based capital ratio | 12.6024% | 4,443 |
| Total risk-based capital ratio | 13.8722% | 4,341 |
| Memoranda: | ||
| Average total assets | $441,178,000 | 1,604 |
| Average earning assets | $411,642,670 | 1,581 |
| Average equity | $35,712,000 | 1,907 |
| Average total loans | $270,463,670 | 1,819 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 7,072 |
| Cost of funding earning assets | 1.9853% | 4,203 |
| Net interest margin | 2.9542% | 6,600 |
| Noninterest income to average assets | 0.3128% | 5,941 |
| Noninterest expense to average assets | 2.5060% | 5,822 |
| Loan and lease loss provision to assets | 1.1179% | 1,170 |
| Net operating income to assets | -0.3452% | 6,732 |
| Return on assets (ROA) | -0.3452% | 6,809 |
| Pretax return on assets | -0.5516% | 6,861 |
| Return on Equity (ROE) | -4.2016% | 6,906 |
| Retained earnings to average equity (ytd only) | -6.2292% | 6,714 |
| Net charge-offs to loans | 0.2553% | 3,135 |
| Credit loss provision to net charge-offs | 702.3256% | 845 |
| Earnings coverage of net charge-offs (x) | 3.5581% | 3,140 |
| Efficiency ratio | 81.5663% | 2,598 |
| Assets per employee ($millions) | 4.9430% | 2,125 |
| Cash dividends to net income (ytd only)* | -48.2574% | 8,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9057% | 1,610 |
| Loan loss allowance to noncurrent loans | 45.2703% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 2.4268% | 2,365 |
| Noncurrent loans to loans | 4.2095% | 1,406 |
| Net loans and leases to total assets | 56.5524% | 6,160 |
| Net loans and leases to deposits | 71.9685% | 5,749 |
| Net loans and leases to core deposits | 82.9238% | 6,153 |
| Total domestic deposits to total assets | 78.5795% | 5,849 |
| Equity capital to assets | 8.3583% | 6,302 |
| Core capital (leverage) ratio | 9.3389% | 4,187 |
| Tier 1 risk-based capital ratio | 13.4010% | 3,928 |
| Total risk-based capital ratio | 14.6571% | 3,839 |
| Memoranda: | ||
| Average total assets | $432,235,500 | 1,648 |
| Average earning assets | $403,766,000 | 1,612 |
| Average equity | $35,510,000 | 1,925 |
| Average total loans | $269,467,500 | 1,841 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1954% | 4,540 |
| Cost of funding earning assets | 2.3966% | 4,729 |
| Net interest margin | 3.7988% | 4,022 |
| Noninterest income to average assets | 0.3651% | 5,795 |
| Noninterest expense to average assets | 2.5665% | 5,766 |
| Loan and lease loss provision to assets | 0.6283% | 2,314 |
| Net operating income to assets | 0.4849% | 4,808 |
| Return on assets (ROA) | 0.4849% | 4,629 |
| Pretax return on assets | 0.7066% | 4,377 |
| Return on Equity (ROE) | 5.8135% | 4,022 |
| Retained earnings to average equity (ytd only) | 0.4535% | 4,973 |
| Net charge-offs to loans | 0.2099% | 4,107 |
| Credit loss provision to net charge-offs | 443.9252% | 986 |
| Earnings coverage of net charge-offs (x) | 9.4318% | 2,685 |
| Efficiency ratio | 65.7829% | 5,171 |
| Assets per employee ($millions) | 4.2009% | 3,115 |
| Cash dividends to net income (ytd only)* | 92.1986% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 2,514 |
| Loan loss allowance to noncurrent loans | 65.4652% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5949% | 3,051 |
| Noncurrent loans to loans | 2.3481% | 2,346 |
| Net loans and leases to total assets | 66.8778% | 4,663 |
| Net loans and leases to deposits | 87.8427% | 3,827 |
| Net loans and leases to core deposits | 99.9731% | 4,824 |
| Total domestic deposits to total assets | 76.1335% | 6,207 |
| Equity capital to assets | 8.0456% | 6,785 |
| Core capital (leverage) ratio | 8.3956% | 5,774 |
| Tier 1 risk-based capital ratio | 11.3548% | 5,381 |
| Total risk-based capital ratio | 12.6077% | 5,280 |
| Memoranda: | ||
| Average total assets | $377,992,400 | 1,787 |
| Average earning assets | $351,876,800 | 1,763 |
| Average equity | $31,530,000 | 2,145 |
| Average total loans | $254,866,600 | 1,875 |