Home > Bay Cities Bank > Performance and Condition Ratios
Bay Cities Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6120% | 1,301 |
| Cost of funding earning assets | 0.5175% | 2,062 |
| Net interest margin | 4.0945% | 1,418 |
| Noninterest income to average assets | 0.3748% | 4,252 |
| Noninterest expense to average assets | 3.9379% | 711 |
| Loan and lease loss provision to assets | 1.2757% | 47 |
| Net operating income to assets | -0.6388% | 6,159 |
| Return on assets (ROA) | -0.6388% | 6,159 |
| Pretax return on assets | -1.1341% | 6,196 |
| Return on Equity (ROE) | -5.4389% | 6,144 |
| Retained earnings to average equity (ytd only) | -5.4389% | 6,036 |
| Net charge-offs to loans | 1.3305% | 122 |
| Credit loss provision to net charge-offs | 128.4190% | 1,892 |
| Earnings coverage of net charge-offs (x) | 0.1425% | 3,980 |
| Efficiency ratio | 96.5309% | 402 |
| Assets per employee ($millions) | 7.2655% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,829 |
| Loan loss allowance to noncurrent loans | 37.0438% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.9469% | 525 |
| Noncurrent loans to loans | 3.6521% | 406 |
| Net loans and leases to total assets | 78.5560% | 1,013 |
| Net loans and leases to deposits | 87.9481% | 1,909 |
| Net loans and leases to core deposits | 97.8851% | 1,705 |
| Total domestic deposits to total assets | 89.3208% | 857 |
| Equity capital to assets | 9.3711% | 4,915 |
| Core capital (leverage) ratio | 7.5519% | 6,045 |
| Tier 1 risk-based capital ratio | 8.8343% | 6,197 |
| Total risk-based capital ratio | 10.0191% | 6,199 |
| Memoranda: | ||
| Average total assets | $540,776,750 | 1,263 |
| Average earning assets | $489,294,750 | 1,284 |
| Average equity | $63,516,500 | 1,196 |
| Average total loans | $403,745,250 | 1,142 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 1,303 |
| Cost of funding earning assets | 0.5234% | 2,040 |
| Net interest margin | 4.0671% | 1,454 |
| Noninterest income to average assets | 0.4436% | 3,755 |
| Noninterest expense to average assets | 2.8914% | 2,929 |
| Loan and lease loss provision to assets | 1.1664% | 54 |
| Net operating income to assets | 0.0875% | 5,891 |
| Return on assets (ROA) | 0.0875% | 5,935 |
| Pretax return on assets | 0.0298% | 5,994 |
| Return on Equity (ROE) | 0.6988% | 5,937 |
| Retained earnings to average equity (ytd only) | 0.6988% | 5,278 |
| Net charge-offs to loans | 0.0080% | 3,617 |
| Credit loss provision to net charge-offs | 19,837.5000% | 24 |
| Earnings coverage of net charge-offs (x) | 203.4375% | 344 |
| Efficiency ratio | 70.7363% | 3,208 |
| Assets per employee ($millions) | 6.3694% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 1,197 |
| Loan loss allowance to noncurrent loans | 39.5546% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 3.4435% | 424 |
| Noncurrent loans to loans | 4.7678% | 262 |
| Net loans and leases to total assets | 70.1277% | 2,294 |
| Net loans and leases to deposits | 81.1178% | 2,655 |
| Net loans and leases to core deposits | 89.4310% | 2,399 |
| Total domestic deposits to total assets | 86.4517% | 2,458 |
| Equity capital to assets | 11.8167% | 2,154 |
| Core capital (leverage) ratio | 10.9837% | 2,437 |
| Tier 1 risk-based capital ratio | 13.2127% | 4,390 |
| Total risk-based capital ratio | 14.4790% | 4,313 |
| Memoranda: | ||
| Average total assets | $544,240,670 | 1,258 |
| Average earning assets | $487,621,000 | 1,297 |
| Average equity | $68,121,000 | 1,127 |
| Average total loans | $397,539,330 | 1,160 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 1,252 |
| Cost of funding earning assets | 0.5249% | 2,052 |
| Net interest margin | 4.0632% | 1,379 |
| Noninterest income to average assets | 0.6041% | 2,626 |
| Noninterest expense to average assets | 2.7553% | 3,401 |
| Loan and lease loss provision to assets | 0.1888% | 997 |
| Net operating income to assets | 0.9522% | 2,496 |
| Return on assets (ROA) | 0.9522% | 2,630 |
| Pretax return on assets | 1.4128% | 1,847 |
| Return on Equity (ROE) | 7.3838% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.3838% | 1,818 |
| Net charge-offs to loans | 0.0072% | 3,088 |
| Credit loss provision to net charge-offs | 3,571.4286% | 108 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 186 |
| Efficiency ratio | 63.2409% | 4,595 |
| Assets per employee ($millions) | 6.2123% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 3,794 |
| Loan loss allowance to noncurrent loans | 50.2244% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8177% | 1,346 |
| Noncurrent loans to loans | 2.4463% | 997 |
| Net loans and leases to total assets | 71.5745% | 1,881 |
| Net loans and leases to deposits | 83.8443% | 2,102 |
| Net loans and leases to core deposits | 92.6137% | 1,896 |
| Total domestic deposits to total assets | 85.3660% | 3,239 |
| Equity capital to assets | 12.7605% | 1,533 |
| Core capital (leverage) ratio | 12.2495% | 1,480 |
| Tier 1 risk-based capital ratio | 14.6002% | 3,662 |
| Total risk-based capital ratio | 15.6860% | 3,682 |
| Memoranda: | ||
| Average total assets | $529,737,500 | 1,288 |
| Average earning assets | $489,267,000 | 1,296 |
| Average equity | $68,312,000 | 1,127 |
| Average total loans | $391,443,000 | 1,171 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 1,153 |
| Cost of funding earning assets | 0.5855% | 1,901 |
| Net interest margin | 4.1937% | 1,318 |
| Noninterest income to average assets | 0.3617% | 4,504 |
| Noninterest expense to average assets | 3.1630% | 2,319 |
| Loan and lease loss provision to assets | 0.1018% | 2,457 |
| Net operating income to assets | 0.6471% | 4,158 |
| Return on assets (ROA) | 0.8080% | 3,424 |
| Pretax return on assets | 1.1782% | 2,742 |
| Return on Equity (ROE) | 6.5740% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.5740% | 1,611 |
| Net charge-offs to loans | 0.0035% | 4,891 |
| Credit loss provision to net charge-offs | 4,169.2308% | 72 |
| Earnings coverage of net charge-offs (x) | 428.7692% | 124 |
| Efficiency ratio | 75.1361% | 2,646 |
| Assets per employee ($millions) | 5.8978% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 4,182 |
| Loan loss allowance to noncurrent loans | 34.0411% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.6285% | 858 |
| Noncurrent loans to loans | 3.4307% | 607 |
| Net loans and leases to total assets | 74.5014% | 1,496 |
| Net loans and leases to deposits | 90.6012% | 1,452 |
| Net loans and leases to core deposits | 101.4541% | 1,281 |
| Total domestic deposits to total assets | 82.2301% | 4,335 |
| Equity capital to assets | 13.0360% | 1,355 |
| Core capital (leverage) ratio | 11.6074% | 1,894 |
| Tier 1 risk-based capital ratio | 14.8357% | 3,578 |
| Total risk-based capital ratio | 15.9256% | 3,603 |
| Memoranda: | ||
| Average total assets | $532,529,400 | 1,259 |
| Average earning assets | $488,632,600 | 1,259 |
| Average equity | $65,455,200 | 1,126 |
| Average total loans | $369,291,600 | 1,196 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 2,248 |
| Cost of funding earning assets | 0.5659% | 2,138 |
| Net interest margin | 3.8272% | 2,518 |
| Noninterest income to average assets | 0.3973% | 4,260 |
| Noninterest expense to average assets | 2.9890% | 2,839 |
| Loan and lease loss provision to assets | 0.0726% | 2,890 |
| Net operating income to assets | 0.5782% | 4,549 |
| Return on assets (ROA) | 0.7914% | 3,564 |
| Pretax return on assets | 1.1494% | 2,989 |
| Return on Equity (ROE) | 6.5345% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.5345% | 2,079 |
| Net charge-offs to loans | -0.0081% | 5,388 |
| Credit loss provision to net charge-offs | -1,327.2727% | 5,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6004% | 2,400 |
| Assets per employee ($millions) | 6.3874% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 4,399 |
| Loan loss allowance to noncurrent loans | 25.6720% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 3.1752% | 714 |
| Noncurrent loans to loans | 4.5446% | 430 |
| Net loans and leases to total assets | 67.9509% | 2,542 |
| Net loans and leases to deposits | 80.4069% | 2,631 |
| Net loans and leases to core deposits | 95.0079% | 1,756 |
| Total domestic deposits to total assets | 84.5087% | 3,544 |
| Equity capital to assets | 12.2078% | 1,905 |
| Core capital (leverage) ratio | 11.2511% | 2,259 |
| Tier 1 risk-based capital ratio | 15.1521% | 3,506 |
| Total risk-based capital ratio | 16.2405% | 3,520 |
| Memoranda: | ||
| Average total assets | $535,911,250 | 1,253 |
| Average earning assets | $490,759,500 | 1,265 |
| Average equity | $64,904,750 | 1,139 |
| Average total loans | $363,806,250 | 1,215 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,365 |
| Cost of funding earning assets | 0.5668% | 2,197 |
| Net interest margin | 3.7881% | 2,608 |
| Noninterest income to average assets | 0.4929% | 3,526 |
| Noninterest expense to average assets | 3.0620% | 2,621 |
| Loan and lease loss provision to assets | 0.1095% | 2,192 |
| Net operating income to assets | 0.5425% | 4,638 |
| Return on assets (ROA) | 0.8591% | 3,120 |
| Pretax return on assets | 1.2568% | 2,427 |
| Return on Equity (ROE) | 7.1129% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.1129% | 1,716 |
| Net charge-offs to loans | -0.0322% | 5,710 |
| Credit loss provision to net charge-offs | -503.4483% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2701% | 2,413 |
| Assets per employee ($millions) | 6.1697% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 4,311 |
| Loan loss allowance to noncurrent loans | 22.8360% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.8831% | 569 |
| Noncurrent loans to loans | 5.3630% | 348 |
| Net loans and leases to total assets | 65.9639% | 2,751 |
| Net loans and leases to deposits | 78.0814% | 2,792 |
| Net loans and leases to core deposits | 92.5859% | 1,895 |
| Total domestic deposits to total assets | 84.4810% | 3,734 |
| Equity capital to assets | 12.1883% | 1,858 |
| Core capital (leverage) ratio | 11.0636% | 2,364 |
| Tier 1 risk-based capital ratio | 15.3942% | 3,415 |
| Total risk-based capital ratio | 16.5325% | 3,426 |
| Memoranda: | ||
| Average total assets | $533,571,000 | 1,255 |
| Average earning assets | $488,744,000 | 1,265 |
| Average equity | $64,446,330 | 1,138 |
| Average total loans | $360,647,670 | 1,223 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 2,251 |
| Cost of funding earning assets | 0.5660% | 2,284 |
| Net interest margin | 3.8086% | 2,437 |
| Noninterest income to average assets | 0.4948% | 3,453 |
| Noninterest expense to average assets | 3.0701% | 2,623 |
| Loan and lease loss provision to assets | 0.1105% | 2,098 |
| Net operating income to assets | 0.5850% | 4,263 |
| Return on assets (ROA) | 0.5850% | 4,336 |
| Pretax return on assets | 0.8203% | 4,027 |
| Return on Equity (ROE) | 4.8657% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.8657% | 3,193 |
| Net charge-offs to loans | -0.1106% | 6,156 |
| Credit loss provision to net charge-offs | -147.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7337% | 2,683 |
| Assets per employee ($millions) | 5.9359% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,738 |
| Loan loss allowance to noncurrent loans | 19.3030% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 4.4574% | 497 |
| Noncurrent loans to loans | 6.1064% | 294 |
| Net loans and leases to total assets | 67.2774% | 2,342 |
| Net loans and leases to deposits | 80.2777% | 2,253 |
| Net loans and leases to core deposits | 95.2093% | 1,453 |
| Total domestic deposits to total assets | 83.8059% | 4,341 |
| Equity capital to assets | 12.0633% | 1,831 |
| Core capital (leverage) ratio | 10.8457% | 2,546 |
| Tier 1 risk-based capital ratio | 14.9484% | 3,736 |
| Total risk-based capital ratio | 16.0699% | 3,757 |
| Memoranda: | ||
| Average total assets | $531,976,500 | 1,274 |
| Average earning assets | $489,735,000 | 1,270 |
| Average equity | $63,958,500 | 1,147 |
| Average total loans | $361,742,500 | 1,226 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 3,453 |
| Cost of funding earning assets | 0.6114% | 2,558 |
| Net interest margin | 3.5598% | 3,638 |
| Noninterest income to average assets | 0.8303% | 1,935 |
| Noninterest expense to average assets | 3.2030% | 2,408 |
| Loan and lease loss provision to assets | 0.0581% | 3,979 |
| Net operating income to assets | 0.6103% | 4,217 |
| Return on assets (ROA) | 0.6909% | 3,937 |
| Pretax return on assets | 0.9507% | 3,555 |
| Return on Equity (ROE) | 6.0224% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.8064% | 2,094 |
| Net charge-offs to loans | 0.2057% | 2,823 |
| Credit loss provision to net charge-offs | 43.9776% | 3,959 |
| Earnings coverage of net charge-offs (x) | 6.8039% | 2,981 |
| Efficiency ratio | 78.0954% | 2,455 |
| Assets per employee ($millions) | 5.4053% | 1,751 |
| Cash dividends to net income (ytd only)* | 3.5867% | 4,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,036 |
| Loan loss allowance to noncurrent loans | 17.4537% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 4.6817% | 519 |
| Noncurrent loans to loans | 6.4336% | 289 |
| Net loans and leases to total assets | 67.1562% | 2,490 |
| Net loans and leases to deposits | 80.5882% | 2,376 |
| Net loans and leases to core deposits | 96.2289% | 1,435 |
| Total domestic deposits to total assets | 83.3326% | 4,417 |
| Equity capital to assets | 11.9819% | 1,818 |
| Core capital (leverage) ratio | 11.3438% | 2,078 |
| Tier 1 risk-based capital ratio | 14.8049% | 3,780 |
| Total risk-based capital ratio | 15.8801% | 3,829 |
| Memoranda: | ||
| Average total assets | $540,749,200 | 1,228 |
| Average earning assets | $496,883,800 | 1,225 |
| Average equity | $62,035,200 | 1,165 |
| Average total loans | $347,165,200 | 1,235 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 3,715 |
| Cost of funding earning assets | 0.6188% | 2,657 |
| Net interest margin | 3.4919% | 3,914 |
| Noninterest income to average assets | 0.9278% | 1,665 |
| Noninterest expense to average assets | 3.1660% | 2,459 |
| Loan and lease loss provision to assets | 0.1494% | 2,399 |
| Net operating income to assets | 0.5758% | 4,443 |
| Return on assets (ROA) | 0.6783% | 4,107 |
| Pretax return on assets | 0.9678% | 3,622 |
| Return on Equity (ROE) | 5.9773% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.6876% | 2,608 |
| Net charge-offs to loans | 0.2504% | 2,314 |
| Credit loss provision to net charge-offs | 94.2724% | 2,526 |
| Earnings coverage of net charge-offs (x) | 6.1254% | 3,040 |
| Efficiency ratio | 76.5344% | 2,643 |
| Assets per employee ($millions) | 5.3693% | 1,768 |
| Cash dividends to net income (ytd only)* | 4.8462% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 4,756 |
| Loan loss allowance to noncurrent loans | 19.8673% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 4.9944% | 556 |
| Noncurrent loans to loans | 6.1766% | 392 |
| Net loans and leases to total assets | 72.5333% | 1,521 |
| Net loans and leases to deposits | 85.1932% | 1,718 |
| Net loans and leases to core deposits | 103.3791% | 909 |
| Total domestic deposits to total assets | 85.1398% | 3,668 |
| Equity capital to assets | 12.8206% | 1,412 |
| Core capital (leverage) ratio | 11.1752% | 2,325 |
| Tier 1 risk-based capital ratio | 14.7790% | 3,890 |
| Total risk-based capital ratio | 15.9795% | 3,895 |
| Memoranda: | ||
| Average total assets | $543,505,750 | 1,235 |
| Average earning assets | $499,471,500 | 1,229 |
| Average equity | $61,676,250 | 1,174 |
| Average total loans | $344,011,000 | 1,237 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 4,354 |
| Cost of funding earning assets | 0.6088% | 2,863 |
| Net interest margin | 3.3211% | 4,481 |
| Noninterest income to average assets | 1.0092% | 1,509 |
| Noninterest expense to average assets | 3.0801% | 2,725 |
| Loan and lease loss provision to assets | 0.2221% | 1,707 |
| Net operating income to assets | 0.5344% | 4,645 |
| Return on assets (ROA) | 0.6832% | 4,055 |
| Pretax return on assets | 0.9801% | 3,602 |
| Return on Equity (ROE) | 6.2555% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.8187% | 2,545 |
| Net charge-offs to loans | 0.3557% | 1,775 |
| Credit loss provision to net charge-offs | 103.4826% | 2,138 |
| Earnings coverage of net charge-offs (x) | 4.6103% | 3,086 |
| Efficiency ratio | 75.6823% | 2,831 |
| Assets per employee ($millions) | 5.6958% | 1,422 |
| Cash dividends to net income (ytd only)* | 6.9828% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 4,656 |
| Loan loss allowance to noncurrent loans | 25.5235% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 4.0470% | 851 |
| Noncurrent loans to loans | 4.9686% | 657 |
| Net loans and leases to total assets | 69.2913% | 2,021 |
| Net loans and leases to deposits | 80.7658% | 2,215 |
| Net loans and leases to core deposits | 97.0733% | 1,277 |
| Total domestic deposits to total assets | 85.7929% | 3,483 |
| Equity capital to assets | 12.3237% | 1,693 |
| Core capital (leverage) ratio | 10.5833% | 2,788 |
| Tier 1 risk-based capital ratio | 15.1011% | 3,707 |
| Total risk-based capital ratio | 16.3516% | 3,672 |
| Memoranda: | ||
| Average total assets | $561,805,670 | 1,193 |
| Average earning assets | $517,723,000 | 1,192 |
| Average equity | $61,354,330 | 1,188 |
| Average total loans | $339,079,670 | 1,253 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 5,155 |
| Cost of funding earning assets | 0.5978% | 3,129 |
| Net interest margin | 3.1040% | 5,249 |
| Noninterest income to average assets | 1.3883% | 800 |
| Noninterest expense to average assets | 3.2063% | 2,334 |
| Loan and lease loss provision to assets | 0.3425% | 970 |
| Net operating income to assets | 0.4892% | 4,732 |
| Return on assets (ROA) | 0.7674% | 3,488 |
| Pretax return on assets | 1.1194% | 2,885 |
| Return on Equity (ROE) | 7.4313% | 3,251 |
| Retained earnings to average equity (ytd only) | 6.9734% | 2,162 |
| Net charge-offs to loans | -0.3967% | 6,817 |
| Credit loss provision to net charge-offs | -153.6364% | 5,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1782% | 3,066 |
| Assets per employee ($millions) | 6.2044% | 1,137 |
| Cash dividends to net income (ytd only)* | 6.1620% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 3,507 |
| Loan loss allowance to noncurrent loans | 24.3449% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 4.3770% | 861 |
| Noncurrent loans to loans | 6.4650% | 500 |
| Net loans and leases to total assets | 61.8476% | 3,093 |
| Net loans and leases to deposits | 71.2675% | 3,289 |
| Net loans and leases to core deposits | 83.6407% | 2,365 |
| Total domestic deposits to total assets | 86.7823% | 3,081 |
| Equity capital to assets | 11.5057% | 2,406 |
| Core capital (leverage) ratio | 8.0916% | 6,057 |
| Tier 1 risk-based capital ratio | 15.3455% | 3,622 |
| Total risk-based capital ratio | 16.6021% | 3,577 |
| Memoranda: | ||
| Average total assets | $592,093,500 | 1,145 |
| Average earning assets | $548,712,000 | 1,124 |
| Average equity | $61,146,500 | 1,203 |
| Average total loans | $332,734,500 | 1,280 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6762% | 6,091 |
| Cost of funding earning assets | 0.7314% | 3,244 |
| Net interest margin | 2.9448% | 6,144 |
| Noninterest income to average assets | 0.8986% | 1,858 |
| Noninterest expense to average assets | 2.5789% | 4,817 |
| Loan and lease loss provision to assets | 0.4652% | 1,343 |
| Net operating income to assets | 0.4080% | 5,066 |
| Return on assets (ROA) | 0.4591% | 5,094 |
| Pretax return on assets | 0.6314% | 4,885 |
| Return on Equity (ROE) | 4.7943% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.0291% | 3,378 |
| Net charge-offs to loans | 1.1462% | 903 |
| Credit loss provision to net charge-offs | 80.7853% | 3,807 |
| Earnings coverage of net charge-offs (x) | 1.7825% | 4,542 |
| Efficiency ratio | 71.5283% | 3,515 |
| Assets per employee ($millions) | 6.9958% | 763 |
| Cash dividends to net income (ytd only)* | 15.9623% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,429 |
| Loan loss allowance to noncurrent loans | 18.6688% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 4.0140% | 1,064 |
| Noncurrent loans to loans | 7.2029% | 434 |
| Net loans and leases to total assets | 50.0679% | 5,158 |
| Net loans and leases to deposits | 56.0385% | 5,444 |
| Net loans and leases to core deposits | 63.7836% | 4,982 |
| Total domestic deposits to total assets | 89.3456% | 1,339 |
| Equity capital to assets | 9.3607% | 5,055 |
| Core capital (leverage) ratio | 8.3572% | 5,815 |
| Tier 1 risk-based capital ratio | 15.0188% | 3,709 |
| Total risk-based capital ratio | 16.2724% | 3,659 |
| Memoranda: | ||
| Average total assets | $623,558,800 | 1,061 |
| Average earning assets | $573,171,200 | 1,053 |
| Average equity | $59,716,200 | 1,192 |
| Average total loans | $313,295,600 | 1,343 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 6,096 |
| Cost of funding earning assets | 0.7748% | 3,151 |
| Net interest margin | 2.9908% | 6,187 |
| Noninterest income to average assets | 0.7306% | 2,565 |
| Noninterest expense to average assets | 2.4632% | 5,204 |
| Loan and lease loss provision to assets | 0.4706% | 1,319 |
| Net operating income to assets | 0.3903% | 5,290 |
| Return on assets (ROA) | 0.4427% | 5,307 |
| Pretax return on assets | 0.6070% | 5,144 |
| Return on Equity (ROE) | 4.5954% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.6575% | 4,316 |
| Net charge-offs to loans | 1.0936% | 936 |
| Credit loss provision to net charge-offs | 85.8777% | 3,434 |
| Earnings coverage of net charge-offs (x) | 1.8355% | 4,345 |
| Efficiency ratio | 71.0057% | 3,504 |
| Assets per employee ($millions) | 6.3853% | 1,008 |
| Cash dividends to net income (ytd only)* | 20.4102% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 3,681 |
| Loan loss allowance to noncurrent loans | 19.9498% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 4.3740% | 1,065 |
| Noncurrent loans to loans | 7.8351% | 413 |
| Net loans and leases to total assets | 49.5313% | 5,368 |
| Net loans and leases to deposits | 58.7473% | 5,348 |
| Net loans and leases to core deposits | 61.8058% | 5,381 |
| Total domestic deposits to total assets | 84.3125% | 4,075 |
| Equity capital to assets | 10.0008% | 4,492 |
| Core capital (leverage) ratio | 8.6759% | 5,507 |
| Tier 1 risk-based capital ratio | 15.8876% | 3,332 |
| Total risk-based capital ratio | 17.1433% | 3,296 |
| Memoranda: | ||
| Average total assets | $616,797,000 | 1,080 |
| Average earning assets | $564,740,750 | 1,078 |
| Average equity | $59,420,000 | 1,202 |
| Average total loans | $309,073,250 | 1,365 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 6,217 |
| Cost of funding earning assets | 0.8111% | 3,104 |
| Net interest margin | 2.9543% | 6,329 |
| Noninterest income to average assets | 0.8301% | 2,056 |
| Noninterest expense to average assets | 2.3899% | 5,492 |
| Loan and lease loss provision to assets | 0.6427% | 892 |
| Net operating income to assets | 0.3731% | 5,337 |
| Return on assets (ROA) | 0.3731% | 5,559 |
| Pretax return on assets | 0.4944% | 5,449 |
| Return on Equity (ROE) | 3.9217% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.0743% | 4,596 |
| Net charge-offs to loans | 1.2283% | 878 |
| Credit loss provision to net charge-offs | 104.5645% | 2,602 |
| Earnings coverage of net charge-offs (x) | 1.8499% | 4,048 |
| Efficiency ratio | 67.7608% | 4,173 |
| Assets per employee ($millions) | 6.8049% | 814 |
| Cash dividends to net income (ytd only)* | 21.6076% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,136 |
| Loan loss allowance to noncurrent loans | 18.8072% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 5.0341% | 947 |
| Noncurrent loans to loans | 9.1594% | 323 |
| Net loans and leases to total assets | 47.5325% | 5,657 |
| Net loans and leases to deposits | 56.4940% | 5,597 |
| Net loans and leases to core deposits | 59.6789% | 5,621 |
| Total domestic deposits to total assets | 84.1374% | 4,255 |
| Equity capital to assets | 9.5288% | 5,023 |
| Core capital (leverage) ratio | 8.1482% | 6,098 |
| Tier 1 risk-based capital ratio | 15.3190% | 3,561 |
| Total risk-based capital ratio | 16.5764% | 3,520 |
| Memoranda: | ||
| Average total assets | $620,194,670 | 1,071 |
| Average earning assets | $566,161,670 | 1,073 |
| Average equity | $59,005,000 | 1,207 |
| Average total loans | $310,354,330 | 1,367 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 6,116 |
| Cost of funding earning assets | 0.8798% | 2,838 |
| Net interest margin | 2.9805% | 6,339 |
| Noninterest income to average assets | 0.8521% | 1,941 |
| Noninterest expense to average assets | 2.4203% | 5,403 |
| Loan and lease loss provision to assets | 0.6214% | 907 |
| Net operating income to assets | 0.3914% | 5,291 |
| Return on assets (ROA) | 0.3914% | 5,478 |
| Pretax return on assets | 0.5236% | 5,353 |
| Return on Equity (ROE) | 4.1172% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.6789% | 4,919 |
| Net charge-offs to loans | 1.3141% | 774 |
| Credit loss provision to net charge-offs | 92.9264% | 2,497 |
| Earnings coverage of net charge-offs (x) | 1.7122% | 3,477 |
| Efficiency ratio | 67.8844% | 4,197 |
| Assets per employee ($millions) | 7.1238% | 711 |
| Cash dividends to net income (ytd only)* | 34.9338% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 3,541 |
| Loan loss allowance to noncurrent loans | 19.8469% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 4.9195% | 1,071 |
| Noncurrent loans to loans | 8.3131% | 452 |
| Net loans and leases to total assets | 48.0765% | 5,544 |
| Net loans and leases to deposits | 56.9891% | 5,486 |
| Net loans and leases to core deposits | 61.1258% | 5,420 |
| Total domestic deposits to total assets | 84.3608% | 4,342 |
| Equity capital to assets | 9.3949% | 4,966 |
| Core capital (leverage) ratio | 7.5497% | 6,604 |
| Tier 1 risk-based capital ratio | 14.9598% | 3,784 |
| Total risk-based capital ratio | 16.2167% | 3,743 |
| Memoranda: | ||
| Average total assets | $617,266,500 | 1,076 |
| Average earning assets | $561,926,500 | 1,091 |
| Average equity | $58,680,000 | 1,212 |
| Average total loans | $314,134,500 | 1,358 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 5,770 |
| Cost of funding earning assets | 1.1398% | 2,412 |
| Net interest margin | 3.1576% | 6,199 |
| Noninterest income to average assets | -0.0214% | 7,033 |
| Noninterest expense to average assets | 2.5364% | 5,331 |
| Loan and lease loss provision to assets | 2.3027% | 214 |
| Net operating income to assets | -1.1967% | 6,820 |
| Return on assets (ROA) | -1.1914% | 6,843 |
| Pretax return on assets | -2.0101% | 7,025 |
| Return on Equity (ROE) | -11.9670% | 6,798 |
| Retained earnings to average equity (ytd only) | -12.3962% | 6,785 |
| Net charge-offs to loans | 4.2754% | 126 |
| Credit loss provision to net charge-offs | 100.4967% | 3,475 |
| Earnings coverage of net charge-offs (x) | 0.1241% | 5,741 |
| Efficiency ratio | 89.9187% | 1,199 |
| Assets per employee ($millions) | 6.9050% | 770 |
| Cash dividends to net income (ytd only)* | -3.5858% | 7,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 3,613 |
| Loan loss allowance to noncurrent loans | 18.1051% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 5.4948% | 932 |
| Noncurrent loans to loans | 8.8026% | 411 |
| Net loans and leases to total assets | 52.1190% | 5,295 |
| Net loans and leases to deposits | 61.6669% | 5,283 |
| Net loans and leases to core deposits | 66.2624% | 5,224 |
| Total domestic deposits to total assets | 84.5170% | 4,087 |
| Equity capital to assets | 9.6215% | 4,715 |
| Core capital (leverage) ratio | 8.3719% | 5,749 |
| Tier 1 risk-based capital ratio | 14.4252% | 4,026 |
| Total risk-based capital ratio | 15.6818% | 3,994 |
| Memoranda: | ||
| Average total assets | $606,244,600 | 1,080 |
| Average earning assets | $545,703,400 | 1,092 |
| Average equity | $60,357,400 | 1,117 |
| Average total loans | $324,907,600 | 1,306 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 5,597 |
| Cost of funding earning assets | 1.1952% | 2,345 |
| Net interest margin | 3.2069% | 6,144 |
| Noninterest income to average assets | 0.1791% | 6,304 |
| Noninterest expense to average assets | 2.6308% | 4,969 |
| Loan and lease loss provision to assets | 1.0849% | 763 |
| Net operating income to assets | -0.3472% | 6,540 |
| Return on assets (ROA) | -0.3402% | 6,589 |
| Pretax return on assets | -0.6430% | 6,701 |
| Return on Equity (ROE) | -3.3885% | 6,591 |
| Retained earnings to average equity (ytd only) | -3.9562% | 6,512 |
| Net charge-offs to loans | 1.2834% | 1,208 |
| Credit loss provision to net charge-offs | 157.2568% | 1,973 |
| Earnings coverage of net charge-offs (x) | 0.6246% | 5,162 |
| Efficiency ratio | 85.9268% | 1,538 |
| Assets per employee ($millions) | 7.0714% | 717 |
| Cash dividends to net income (ytd only)* | -16.7527% | 7,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0194% | 2,281 |
| Loan loss allowance to noncurrent loans | 18.3864% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 7.2270% | 670 |
| Noncurrent loans to loans | 10.9832% | 292 |
| Net loans and leases to total assets | 54.6914% | 5,057 |
| Net loans and leases to deposits | 65.4596% | 4,979 |
| Net loans and leases to core deposits | 70.6482% | 4,871 |
| Total domestic deposits to total assets | 83.5498% | 4,460 |
| Equity capital to assets | 10.6315% | 3,535 |
| Core capital (leverage) ratio | 9.6747% | 3,883 |
| Tier 1 risk-based capital ratio | 16.3120% | 2,965 |
| Total risk-based capital ratio | 17.5741% | 2,923 |
| Memoranda: | ||
| Average total assets | $605,895,250 | 1,085 |
| Average earning assets | $544,608,000 | 1,100 |
| Average equity | $60,830,750 | 1,113 |
| Average total loans | $325,678,000 | 1,310 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 4,935 |
| Cost of funding earning assets | 1.2378% | 2,337 |
| Net interest margin | 3.3689% | 5,643 |
| Noninterest income to average assets | 0.3626% | 4,975 |
| Noninterest expense to average assets | 2.6965% | 4,841 |
| Loan and lease loss provision to assets | 0.4544% | 2,148 |
| Net operating income to assets | 0.1998% | 5,738 |
| Return on assets (ROA) | 0.2142% | 5,809 |
| Pretax return on assets | 0.2469% | 5,816 |
| Return on Equity (ROE) | 2.1761% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.7429% | 5,124 |
| Net charge-offs to loans | 0.3800% | 3,035 |
| Credit loss provision to net charge-offs | 225.4098% | 1,329 |
| Earnings coverage of net charge-offs (x) | 3.3967% | 3,187 |
| Efficiency ratio | 79.7478% | 2,427 |
| Assets per employee ($millions) | 6.9685% | 737 |
| Cash dividends to net income (ytd only)* | 19.9074% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 2,907 |
| Loan loss allowance to noncurrent loans | 25.2230% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 5.2066% | 1,165 |
| Noncurrent loans to loans | 7.2346% | 693 |
| Net loans and leases to total assets | 52.9178% | 5,450 |
| Net loans and leases to deposits | 62.6715% | 5,429 |
| Net loans and leases to core deposits | 69.1509% | 5,168 |
| Total domestic deposits to total assets | 84.4369% | 4,152 |
| Equity capital to assets | 10.3037% | 3,749 |
| Core capital (leverage) ratio | 9.6985% | 3,660 |
| Tier 1 risk-based capital ratio | 17.1667% | 2,455 |
| Total risk-based capital ratio | 18.4260% | 2,429 |
| Memoranda: | ||
| Average total assets | $605,147,670 | 1,098 |
| Average earning assets | $542,250,330 | 1,116 |
| Average equity | $59,556,330 | 1,122 |
| Average total loans | $321,086,000 | 1,344 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 5,107 |
| Cost of funding earning assets | 1.2975% | 2,185 |
| Net interest margin | 3.2669% | 5,884 |
| Noninterest income to average assets | 0.5147% | 3,768 |
| Noninterest expense to average assets | 2.6614% | 4,991 |
| Loan and lease loss provision to assets | 0.5383% | 1,614 |
| Net operating income to assets | 0.2047% | 5,770 |
| Return on assets (ROA) | 0.2047% | 5,832 |
| Pretax return on assets | 0.2348% | 5,854 |
| Return on Equity (ROE) | 2.1286% | 5,740 |
| Retained earnings to average equity (ytd only) | 1.2513% | 5,322 |
| Net charge-offs to loans | 0.6311% | 1,941 |
| Credit loss provision to net charge-offs | 162.0079% | 1,785 |
| Earnings coverage of net charge-offs (x) | 2.3268% | 3,148 |
| Efficiency ratio | 77.4900% | 2,916 |
| Assets per employee ($millions) | 7.4171% | 606 |
| Cash dividends to net income (ytd only)* | 41.2141% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 3,412 |
| Loan loss allowance to noncurrent loans | 27.0417% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 4.8841% | 1,298 |
| Noncurrent loans to loans | 6.2116% | 1,000 |
| Net loans and leases to total assets | 52.3583% | 5,534 |
| Net loans and leases to deposits | 61.4563% | 5,574 |
| Net loans and leases to core deposits | 67.9552% | 5,294 |
| Total domestic deposits to total assets | 85.1961% | 3,950 |
| Equity capital to assets | 9.8254% | 4,004 |
| Core capital (leverage) ratio | 9.1534% | 4,370 |
| Tier 1 risk-based capital ratio | 15.7483% | 3,025 |
| Total risk-based capital ratio | 17.0049% | 2,982 |
| Memoranda: | ||
| Average total assets | $611,559,500 | 1,089 |
| Average earning assets | $546,576,500 | 1,116 |
| Average equity | $58,819,000 | 1,125 |
| Average total loans | $321,993,500 | 1,357 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 5,792 |
| Cost of funding earning assets | 1.6995% | 1,600 |
| Net interest margin | 3.0031% | 6,732 |
| Noninterest income to average assets | 1.5777% | 584 |
| Noninterest expense to average assets | 2.6287% | 5,303 |
| Loan and lease loss provision to assets | 1.7797% | 778 |
| Net operating income to assets | -0.0866% | 5,972 |
| Return on assets (ROA) | 0.2188% | 5,370 |
| Pretax return on assets | 0.2584% | 5,341 |
| Return on Equity (ROE) | 2.2290% | 5,292 |
| Retained earnings to average equity (ytd only) | 1.2547% | 4,929 |
| Net charge-offs to loans | 5.1852% | 162 |
| Credit loss provision to net charge-offs | 64.5738% | 5,992 |
| Earnings coverage of net charge-offs (x) | 0.6091% | 5,496 |
| Efficiency ratio | 61.0273% | 5,891 |
| Assets per employee ($millions) | 7.4087% | 615 |
| Cash dividends to net income (ytd only)* | 43.7131% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 3,731 |
| Loan loss allowance to noncurrent loans | 26.9292% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 4.2485% | 1,570 |
| Noncurrent loans to loans | 5.7985% | 1,095 |
| Net loans and leases to total assets | 51.2574% | 6,015 |
| Net loans and leases to deposits | 59.6596% | 6,097 |
| Net loans and leases to core deposits | 66.8314% | 5,797 |
| Total domestic deposits to total assets | 85.9164% | 3,406 |
| Equity capital to assets | 9.4175% | 4,524 |
| Core capital (leverage) ratio | 9.0655% | 4,423 |
| Tier 1 risk-based capital ratio | 14.2707% | 3,697 |
| Total risk-based capital ratio | 15.5243% | 3,650 |
| Memoranda: | ||
| Average total assets | $541,491,600 | 1,239 |
| Average earning assets | $492,196,600 | 1,252 |
| Average equity | $53,161,800 | 1,260 |
| Average total loans | $287,819,200 | 1,558 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 5,658 |
| Cost of funding earning assets | 1.7730% | 1,536 |
| Net interest margin | 3.0263% | 6,777 |
| Noninterest income to average assets | 0.6729% | 2,997 |
| Noninterest expense to average assets | 2.7396% | 4,723 |
| Loan and lease loss provision to assets | 0.8666% | 1,754 |
| Net operating income to assets | -0.1627% | 6,264 |
| Return on assets (ROA) | 0.1686% | 5,753 |
| Pretax return on assets | 0.1739% | 5,784 |
| Return on Equity (ROE) | 1.6962% | 5,705 |
| Retained earnings to average equity (ytd only) | 0.6975% | 5,522 |
| Net charge-offs to loans | 4.3759% | 246 |
| Credit loss provision to net charge-offs | 37.0314% | 6,062 |
| Earnings coverage of net charge-offs (x) | 0.2987% | 5,730 |
| Efficiency ratio | 79.6712% | 2,394 |
| Assets per employee ($millions) | 7.5782% | 605 |
| Cash dividends to net income (ytd only)* | 58.8774% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 3,208 |
| Loan loss allowance to noncurrent loans | 41.2744% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 3.1767% | 2,263 |
| Noncurrent loans to loans | 4.0784% | 1,825 |
| Net loans and leases to total assets | 47.1268% | 6,601 |
| Net loans and leases to deposits | 53.9626% | 6,774 |
| Net loans and leases to core deposits | 62.1943% | 6,449 |
| Total domestic deposits to total assets | 87.3324% | 2,351 |
| Equity capital to assets | 9.5854% | 4,720 |
| Core capital (leverage) ratio | 10.0039% | 3,252 |
| Tier 1 risk-based capital ratio | 16.6760% | 2,470 |
| Total risk-based capital ratio | 17.9320% | 2,431 |
| Memoranda: | ||
| Average total assets | $521,281,500 | 1,290 |
| Average earning assets | $476,392,250 | 1,301 |
| Average equity | $51,800,250 | 1,294 |
| Average total loans | $278,761,250 | 1,631 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 4,950 |
| Cost of funding earning assets | 1.8615% | 1,374 |
| Net interest margin | 3.1360% | 6,500 |
| Noninterest income to average assets | 0.7480% | 2,407 |
| Noninterest expense to average assets | 2.9087% | 4,040 |
| Loan and lease loss provision to assets | 0.1816% | 5,051 |
| Net operating income to assets | 0.3621% | 4,923 |
| Return on assets (ROA) | 0.5289% | 4,356 |
| Pretax return on assets | 0.7496% | 4,068 |
| Return on Equity (ROE) | 5.2527% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.2352% | 3,378 |
| Net charge-offs to loans | 3.7854% | 366 |
| Credit loss provision to net charge-offs | 8.6343% | 5,951 |
| Earnings coverage of net charge-offs (x) | 0.3311% | 5,395 |
| Efficiency ratio | 80.6869% | 2,347 |
| Assets per employee ($millions) | 7.1629% | 713 |
| Cash dividends to net income (ytd only)* | 19.3717% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 2,332 |
| Loan loss allowance to noncurrent loans | 38.4901% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 3.4242% | 2,057 |
| Noncurrent loans to loans | 5.0276% | 1,369 |
| Net loans and leases to total assets | 53.2165% | 6,089 |
| Net loans and leases to deposits | 62.6303% | 6,175 |
| Net loans and leases to core deposits | 78.0195% | 4,945 |
| Total domestic deposits to total assets | 84.9694% | 3,645 |
| Equity capital to assets | 10.7221% | 3,154 |
| Core capital (leverage) ratio | 10.0539% | 3,114 |
| Tier 1 risk-based capital ratio | 15.9600% | 2,694 |
| Total risk-based capital ratio | 17.2158% | 2,650 |
| Memoranda: | ||
| Average total assets | $505,588,000 | 1,344 |
| Average earning assets | $460,586,670 | 1,347 |
| Average equity | $50,907,000 | 1,308 |
| Average total loans | $280,869,330 | 1,627 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 4,543 |
| Cost of funding earning assets | 1.9458% | 1,256 |
| Net interest margin | 3.1505% | 6,451 |
| Noninterest income to average assets | 0.9885% | 1,337 |
| Noninterest expense to average assets | 2.6523% | 5,137 |
| Loan and lease loss provision to assets | 0.1529% | 5,007 |
| Net operating income to assets | 0.6926% | 3,473 |
| Return on assets (ROA) | 0.8403% | 2,888 |
| Pretax return on assets | 1.2476% | 2,212 |
| Return on Equity (ROE) | 8.6410% | 2,608 |
| Retained earnings to average equity (ytd only) | 7.5732% | 1,892 |
| Net charge-offs to loans | 2.7013% | 595 |
| Credit loss provision to net charge-offs | 10.0689% | 5,046 |
| Earnings coverage of net charge-offs (x) | 0.7769% | 4,341 |
| Efficiency ratio | 69.2081% | 4,471 |
| Assets per employee ($millions) | 6.9938% | 817 |
| Cash dividends to net income (ytd only)* | 12.3563% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0427% | 791 |
| Loan loss allowance to noncurrent loans | 120.8438% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 2.1494% | 3,329 |
| Noncurrent loans to loans | 2.5179% | 3,157 |
| Net loans and leases to total assets | 53.9882% | 6,025 |
| Net loans and leases to deposits | 64.1719% | 6,037 |
| Net loans and leases to core deposits | 73.2201% | 5,588 |
| Total domestic deposits to total assets | 84.1306% | 4,087 |
| Equity capital to assets | 10.5772% | 3,169 |
| Core capital (leverage) ratio | 10.3858% | 2,731 |
| Tier 1 risk-based capital ratio | 15.6427% | 2,810 |
| Total risk-based capital ratio | 16.9141% | 2,744 |
| Memoranda: | ||
| Average total assets | $496,936,000 | 1,398 |
| Average earning assets | $448,563,500 | 1,416 |
| Average equity | $48,328,000 | 1,395 |
| Average total loans | $279,426,000 | 1,684 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 5,930 |
| Cost of funding earning assets | 2.4574% | 1,129 |
| Net interest margin | 2.6804% | 7,237 |
| Noninterest income to average assets | 0.6832% | 3,068 |
| Noninterest expense to average assets | 3.0495% | 3,947 |
| Loan and lease loss provision to assets | 2.9938% | 580 |
| Net operating income to assets | -1.8092% | 7,015 |
| Return on assets (ROA) | -1.7035% | 6,967 |
| Pretax return on assets | -2.7908% | 7,234 |
| Return on Equity (ROE) | -20.4489% | 7,155 |
| Retained earnings to average equity (ytd only) | -21.4221% | 7,158 |
| Net charge-offs to loans | 3.6146% | 523 |
| Credit loss provision to net charge-offs | 141.4355% | 3,422 |
| Earnings coverage of net charge-offs (x) | 0.0179% | 6,172 |
| Efficiency ratio | 98.7733% | 1,166 |
| Assets per employee ($millions) | 6.6208% | 932 |
| Cash dividends to net income (ytd only)* | -4.7589% | 7,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7685% | 420 |
| Loan loss allowance to noncurrent loans | 132.0276% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 2.4270% | 2,868 |
| Noncurrent loans to loans | 2.8543% | 2,696 |
| Net loans and leases to total assets | 54.6671% | 6,125 |
| Net loans and leases to deposits | 64.6563% | 6,195 |
| Net loans and leases to core deposits | 80.7231% | 6,020 |
| Total domestic deposits to total assets | 84.5503% | 3,774 |
| Equity capital to assets | 8.8252% | 5,389 |
| Core capital (leverage) ratio | 8.0885% | 6,013 |
| Tier 1 risk-based capital ratio | 12.0621% | 4,891 |
| Total risk-based capital ratio | 13.3375% | 4,830 |
| Memoranda: | ||
| Average total assets | $469,974,000 | 1,479 |
| Average earning assets | $421,544,000 | 1,497 |
| Average equity | $39,151,200 | 1,711 |
| Average total loans | $275,217,800 | 1,748 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 6,275 |
| Cost of funding earning assets | 2.5435% | 1,169 |
| Net interest margin | 2.5534% | 7,401 |
| Noninterest income to average assets | 0.7143% | 2,923 |
| Noninterest expense to average assets | 3.1450% | 3,482 |
| Loan and lease loss provision to assets | 2.1238% | 822 |
| Net operating income to assets | -1.3800% | 7,054 |
| Return on assets (ROA) | -1.2380% | 6,986 |
| Pretax return on assets | -2.0375% | 7,199 |
| Return on Equity (ROE) | -15.0937% | 7,195 |
| Retained earnings to average equity (ytd only) | -15.9715% | 7,187 |
| Net charge-offs to loans | 2.6343% | 687 |
| Credit loss provision to net charge-offs | 136.6109% | 3,627 |
| Earnings coverage of net charge-offs (x) | -0.0871% | 6,164 |
| Efficiency ratio | 104.5001% | 899 |
| Assets per employee ($millions) | 6.6642% | 911 |
| Cash dividends to net income (ytd only)* | -5.8158% | 7,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9110% | 715 |
| Loan loss allowance to noncurrent loans | 70.8423% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 3.2698% | 2,068 |
| Noncurrent loans to loans | 4.1091% | 1,777 |
| Net loans and leases to total assets | 57.1168% | 6,021 |
| Net loans and leases to deposits | 65.4350% | 6,361 |
| Net loans and leases to core deposits | 81.4159% | 6,243 |
| Total domestic deposits to total assets | 87.2879% | 2,027 |
| Equity capital to assets | 8.1462% | 6,696 |
| Core capital (leverage) ratio | 7.4756% | 7,006 |
| Tier 1 risk-based capital ratio | 10.6334% | 6,311 |
| Total risk-based capital ratio | 11.8996% | 6,279 |
| Memoranda: | ||
| Average total assets | $466,637,000 | 1,497 |
| Average earning assets | $419,461,750 | 1,525 |
| Average equity | $38,275,500 | 1,778 |
| Average total loans | $275,381,000 | 1,766 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 6,593 |
| Cost of funding earning assets | 2.6363% | 1,193 |
| Net interest margin | 2.4209% | 7,551 |
| Noninterest income to average assets | 0.7373% | 2,778 |
| Noninterest expense to average assets | 3.3779% | 2,695 |
| Loan and lease loss provision to assets | 3.1962% | 459 |
| Net operating income to assets | -2.2486% | 7,491 |
| Return on assets (ROA) | -2.0626% | 7,439 |
| Pretax return on assets | -3.3671% | 7,653 |
| Return on Equity (ROE) | -25.0862% | 7,629 |
| Retained earnings to average equity (ytd only) | -25.7282% | 7,602 |
| Net charge-offs to loans | 3.9849% | 354 |
| Credit loss provision to net charge-offs | 135.7655% | 3,434 |
| Earnings coverage of net charge-offs (x) | -0.1961% | 5,883 |
| Efficiency ratio | 115.8309% | 738 |
| Assets per employee ($millions) | 6.7820% | 850 |
| Cash dividends to net income (ytd only)* | -2.5593% | 7,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9873% | 571 |
| Loan loss allowance to noncurrent loans | 47.9406% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 3.6952% | 1,669 |
| Noncurrent loans to loans | 6.2313% | 871 |
| Net loans and leases to total assets | 54.3413% | 6,405 |
| Net loans and leases to deposits | 62.7737% | 6,682 |
| Net loans and leases to core deposits | 78.4142% | 6,524 |
| Total domestic deposits to total assets | 86.5670% | 2,474 |
| Equity capital to assets | 7.7505% | 7,030 |
| Core capital (leverage) ratio | 7.1569% | 7,399 |
| Tier 1 risk-based capital ratio | 10.5090% | 6,372 |
| Total risk-based capital ratio | 11.7743% | 6,304 |
| Memoranda: | ||
| Average total assets | $462,242,670 | 1,536 |
| Average earning assets | $416,038,670 | 1,559 |
| Average equity | $38,005,000 | 1,803 |
| Average total loans | $273,083,000 | 1,806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 6,762 |
| Cost of funding earning assets | 2.6329% | 1,471 |
| Net interest margin | 2.4279% | 7,590 |
| Noninterest income to average assets | 0.8050% | 2,297 |
| Noninterest expense to average assets | 2.7461% | 4,800 |
| Loan and lease loss provision to assets | 4.7078% | 183 |
| Net operating income to assets | -2.7559% | 7,806 |
| Return on assets (ROA) | -2.7559% | 7,809 |
| Pretax return on assets | -4.4656% | 7,948 |
| Return on Equity (ROE) | -32.5067% | 7,925 |
| Retained earnings to average equity (ytd only) | -32.5067% | 7,884 |
| Net charge-offs to loans | 3.7850% | 320 |
| Credit loss provision to net charge-offs | 204.7637% | 2,171 |
| Earnings coverage of net charge-offs (x) | 0.1053% | 4,898 |
| Efficiency ratio | 91.8951% | 1,576 |
| Assets per employee ($millions) | 6.3388% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2761% | 385 |
| Loan loss allowance to noncurrent loans | 46.5128% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 4.9079% | 936 |
| Noncurrent loans to loans | 7.0435% | 569 |
| Net loans and leases to total assets | 57.7681% | 5,978 |
| Net loans and leases to deposits | 67.5944% | 6,221 |
| Net loans and leases to core deposits | 85.2968% | 5,963 |
| Total domestic deposits to total assets | 85.4629% | 2,984 |
| Equity capital to assets | 8.9301% | 5,436 |
| Core capital (leverage) ratio | 8.6128% | 5,312 |
| Tier 1 risk-based capital ratio | 11.5851% | 5,329 |
| Total risk-based capital ratio | 12.8546% | 5,206 |
| Memoranda: | ||
| Average total assets | $449,211,000 | 1,578 |
| Average earning assets | $403,969,500 | 1,610 |
| Average equity | $38,084,500 | 1,790 |
| Average total loans | $272,863,000 | 1,815 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3715% | 3,569 |
| Cost of funding earning assets | 2.9524% | 2,050 |
| Net interest margin | 3.4191% | 5,582 |
| Noninterest income to average assets | 0.9084% | 1,926 |
| Noninterest expense to average assets | 2.8322% | 4,689 |
| Loan and lease loss provision to assets | 2.1108% | 553 |
| Net operating income to assets | -0.5133% | 6,931 |
| Return on assets (ROA) | -0.3885% | 6,688 |
| Pretax return on assets | -0.7518% | 6,849 |
| Return on Equity (ROE) | -4.9520% | 6,860 |
| Retained earnings to average equity (ytd only) | -4.9520% | 6,506 |
| Net charge-offs to loans | 1.9617% | 554 |
| Credit loss provision to net charge-offs | 162.3341% | 3,183 |
| Earnings coverage of net charge-offs (x) | 0.8952% | 5,688 |
| Efficiency ratio | 70.8723% | 4,163 |
| Assets per employee ($millions) | 6.1393% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2790% | 875 |
| Loan loss allowance to noncurrent loans | 39.5113% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 4.2882% | 913 |
| Noncurrent loans to loans | 5.7679% | 653 |
| Net loans and leases to total assets | 60.3854% | 5,853 |
| Net loans and leases to deposits | 69.4756% | 6,328 |
| Net loans and leases to core deposits | 86.4901% | 6,100 |
| Total domestic deposits to total assets | 86.9161% | 1,976 |
| Equity capital to assets | 8.0114% | 6,829 |
| Core capital (leverage) ratio | 8.2391% | 6,078 |
| Tier 1 risk-based capital ratio | 10.0869% | 6,634 |
| Total risk-based capital ratio | 11.3478% | 6,499 |
| Memoranda: | ||
| Average total assets | $388,146,000 | 1,745 |
| Average earning assets | $350,530,600 | 1,771 |
| Average equity | $30,452,400 | 2,222 |
| Average total loans | $257,277,400 | 1,859 |