Home > Beacon Bank > Performance and Condition Ratios
Beacon Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,040 |
| Cost of funding earning assets | 0.2972% | 4,278 |
| Net interest margin | 3.7703% | 2,481 |
| Noninterest income to average assets | 0.4071% | 3,984 |
| Noninterest expense to average assets | 2.7236% | 3,505 |
| Loan and lease loss provision to assets | -0.0784% | 5,810 |
| Net operating income to assets | 1.3202% | 1,224 |
| Return on assets (ROA) | 1.3296% | 1,248 |
| Pretax return on assets | 1.3296% | 2,167 |
| Return on Equity (ROE) | 13.7234% | 908 |
| Retained earnings to average equity (ytd only) | 1.9795% | 4,600 |
| Net charge-offs to loans | -0.0473% | 5,534 |
| Credit loss provision to net charge-offs | 273.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6844% | 3,453 |
| Assets per employee ($millions) | 6.7306% | 990 |
| Cash dividends to net income (ytd only)* | 85.5755% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 2,563 |
| Loan loss allowance to noncurrent loans | 96.5206% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 2,007 |
| Noncurrent loans to loans | 1.4173% | 1,644 |
| Net loans and leases to total assets | 59.4336% | 3,909 |
| Net loans and leases to deposits | 69.4254% | 3,982 |
| Net loans and leases to core deposits | 78.4101% | 3,501 |
| Total domestic deposits to total assets | 85.6078% | 2,813 |
| Equity capital to assets | 9.8363% | 4,153 |
| Core capital (leverage) ratio | 9.7328% | 3,862 |
| Tier 1 risk-based capital ratio | 13.8280% | 3,815 |
| Total risk-based capital ratio | 14.9813% | 3,800 |
| Memoranda: | ||
| Average total assets | $348,290,400 | 1,877 |
| Average earning assets | $328,704,400 | 1,850 |
| Average equity | $33,745,400 | 2,110 |
| Average total loans | $211,444,000 | 1,987 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 3,237 |
| Cost of funding earning assets | 0.3034% | 4,301 |
| Net interest margin | 3.7218% | 2,672 |
| Noninterest income to average assets | 0.3875% | 4,173 |
| Noninterest expense to average assets | 2.7052% | 3,547 |
| Loan and lease loss provision to assets | -0.1046% | 6,005 |
| Net operating income to assets | 1.2901% | 1,368 |
| Return on assets (ROA) | 1.3028% | 1,388 |
| Pretax return on assets | 1.3028% | 2,389 |
| Return on Equity (ROE) | 13.4977% | 1,009 |
| Retained earnings to average equity (ytd only) | 0.5162% | 5,471 |
| Net charge-offs to loans | -0.0964% | 5,769 |
| Credit loss provision to net charge-offs | 178.4314% | 1,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5301% | 3,287 |
| Assets per employee ($millions) | 6.6125% | 1,020 |
| Cash dividends to net income (ytd only)* | 96.1753% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 2,898 |
| Loan loss allowance to noncurrent loans | 96.9317% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 2,183 |
| Noncurrent loans to loans | 1.3839% | 1,848 |
| Net loans and leases to total assets | 60.5145% | 3,808 |
| Net loans and leases to deposits | 71.2877% | 3,844 |
| Net loans and leases to core deposits | 81.9476% | 3,258 |
| Total domestic deposits to total assets | 84.8877% | 3,062 |
| Equity capital to assets | 9.5524% | 4,688 |
| Core capital (leverage) ratio | 9.5128% | 4,285 |
| Tier 1 risk-based capital ratio | 12.9640% | 4,441 |
| Total risk-based capital ratio | 14.0825% | 4,444 |
| Memoranda: | ||
| Average total assets | $347,865,750 | 1,895 |
| Average earning assets | $327,430,500 | 1,866 |
| Average equity | $33,575,250 | 2,125 |
| Average total loans | $211,581,000 | 1,996 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,164 |
| Cost of funding earning assets | 0.3155% | 4,213 |
| Net interest margin | 3.7135% | 2,653 |
| Noninterest income to average assets | 0.3794% | 4,236 |
| Noninterest expense to average assets | 2.7639% | 3,370 |
| Loan and lease loss provision to assets | 0.0348% | 3,423 |
| Net operating income to assets | 1.0690% | 2,058 |
| Return on assets (ROA) | 1.0882% | 2,087 |
| Pretax return on assets | 1.0882% | 3,227 |
| Return on Equity (ROE) | 11.2344% | 1,605 |
| Retained earnings to average equity (ytd only) | -5.3537% | 6,036 |
| Net charge-offs to loans | 0.0823% | 2,226 |
| Credit loss provision to net charge-offs | 69.7674% | 2,466 |
| Earnings coverage of net charge-offs (x) | 22.1279% | 1,654 |
| Efficiency ratio | 71.4607% | 3,077 |
| Assets per employee ($millions) | 6.0717% | 1,301 |
| Cash dividends to net income (ytd only)* | 147.6546% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 2,730 |
| Loan loss allowance to noncurrent loans | 99.6385% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 2,293 |
| Noncurrent loans to loans | 1.4102% | 1,907 |
| Net loans and leases to total assets | 60.4138% | 3,768 |
| Net loans and leases to deposits | 69.7884% | 3,960 |
| Net loans and leases to core deposits | 80.5908% | 3,323 |
| Total domestic deposits to total assets | 86.5672% | 2,390 |
| Equity capital to assets | 9.3699% | 4,820 |
| Core capital (leverage) ratio | 9.6883% | 4,014 |
| Tier 1 risk-based capital ratio | 12.8171% | 4,614 |
| Total risk-based capital ratio | 13.9937% | 4,575 |
| Memoranda: | ||
| Average total assets | $344,796,670 | 1,919 |
| Average earning assets | $323,902,670 | 1,894 |
| Average equity | $33,397,330 | 2,145 |
| Average total loans | $209,101,670 | 2,020 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,157 |
| Cost of funding earning assets | 0.3255% | 4,159 |
| Net interest margin | 3.6953% | 2,633 |
| Noninterest income to average assets | 0.2990% | 4,782 |
| Noninterest expense to average assets | 2.6865% | 3,639 |
| Loan and lease loss provision to assets | 0.0704% | 2,531 |
| Net operating income to assets | 1.0167% | 2,186 |
| Return on assets (ROA) | 1.0554% | 2,147 |
| Pretax return on assets | 1.0554% | 3,282 |
| Return on Equity (ROE) | 10.7151% | 1,728 |
| Retained earnings to average equity (ytd only) | -13.3224% | 6,204 |
| Net charge-offs to loans | -0.0039% | 4,445 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1933% | 3,297 |
| Assets per employee ($millions) | 6.6005% | 1,020 |
| Cash dividends to net income (ytd only)* | 224.3333% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 2,516 |
| Loan loss allowance to noncurrent loans | 90.3562% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4327% | 1,846 |
| Noncurrent loans to loans | 1.6418% | 1,697 |
| Net loans and leases to total assets | 59.2287% | 3,764 |
| Net loans and leases to deposits | 68.7677% | 3,886 |
| Net loans and leases to core deposits | 72.7788% | 3,895 |
| Total domestic deposits to total assets | 86.1287% | 2,872 |
| Equity capital to assets | 9.4386% | 4,823 |
| Core capital (leverage) ratio | 9.7709% | 3,931 |
| Tier 1 risk-based capital ratio | 13.1464% | 4,534 |
| Total risk-based capital ratio | 14.3964% | 4,440 |
| Memoranda: | ||
| Average total assets | $341,114,500 | 1,950 |
| Average earning assets | $320,730,000 | 1,920 |
| Average equity | $33,597,500 | 2,142 |
| Average total loans | $205,759,500 | 2,045 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 2,850 |
| Cost of funding earning assets | 0.3498% | 4,256 |
| Net interest margin | 3.8795% | 2,316 |
| Noninterest income to average assets | 0.4261% | 3,999 |
| Noninterest expense to average assets | 2.9485% | 3,004 |
| Loan and lease loss provision to assets | 0.0756% | 2,962 |
| Net operating income to assets | 1.0327% | 2,251 |
| Return on assets (ROA) | 1.0382% | 2,301 |
| Pretax return on assets | 1.0382% | 3,360 |
| Return on Equity (ROE) | 10.3792% | 1,963 |
| Retained earnings to average equity (ytd only) | 0.9650% | 5,343 |
| Net charge-offs to loans | 0.4121% | 1,038 |
| Credit loss provision to net charge-offs | 31.1721% | 3,821 |
| Earnings coverage of net charge-offs (x) | 4.5673% | 3,624 |
| Efficiency ratio | 72.6785% | 3,091 |
| Assets per employee ($millions) | 6.1556% | 1,274 |
| Cash dividends to net income (ytd only)* | 90.7024% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 2,382 |
| Loan loss allowance to noncurrent loans | 87.3215% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 1,743 |
| Noncurrent loans to loans | 1.7406% | 1,666 |
| Net loans and leases to total assets | 59.6095% | 3,840 |
| Net loans and leases to deposits | 72.1629% | 3,661 |
| Net loans and leases to core deposits | 75.3888% | 3,778 |
| Total domestic deposits to total assets | 82.6041% | 4,215 |
| Equity capital to assets | 10.2816% | 3,750 |
| Core capital (leverage) ratio | 10.2733% | 3,205 |
| Tier 1 risk-based capital ratio | 14.3547% | 3,860 |
| Total risk-based capital ratio | 15.6052% | 3,800 |
| Memoranda: | ||
| Average total assets | $330,477,400 | 1,965 |
| Average earning assets | $309,290,400 | 1,942 |
| Average equity | $33,056,400 | 2,110 |
| Average total loans | $194,593,000 | 2,076 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 2,840 |
| Cost of funding earning assets | 0.3548% | 4,288 |
| Net interest margin | 3.8849% | 2,304 |
| Noninterest income to average assets | 0.3762% | 4,424 |
| Noninterest expense to average assets | 2.8715% | 3,227 |
| Loan and lease loss provision to assets | 0.1010% | 2,350 |
| Net operating income to assets | 1.0404% | 2,278 |
| Return on assets (ROA) | 1.0477% | 2,305 |
| Pretax return on assets | 1.0477% | 3,391 |
| Return on Equity (ROE) | 10.5480% | 1,970 |
| Retained earnings to average equity (ytd only) | -0.9478% | 5,954 |
| Net charge-offs to loans | 0.3075% | 1,291 |
| Credit loss provision to net charge-offs | 56.1798% | 3,009 |
| Earnings coverage of net charge-offs (x) | 6.3483% | 3,097 |
| Efficiency ratio | 71.5566% | 3,256 |
| Assets per employee ($millions) | 6.3329% | 1,126 |
| Cash dividends to net income (ytd only)* | 108.9858% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 1,949 |
| Loan loss allowance to noncurrent loans | 85.5033% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.7151% | 1,751 |
| Noncurrent loans to loans | 1.9957% | 1,589 |
| Net loans and leases to total assets | 59.7366% | 3,830 |
| Net loans and leases to deposits | 69.4214% | 3,978 |
| Net loans and leases to core deposits | 71.6054% | 4,189 |
| Total domestic deposits to total assets | 86.0493% | 2,821 |
| Equity capital to assets | 10.1021% | 4,045 |
| Core capital (leverage) ratio | 10.2889% | 3,307 |
| Tier 1 risk-based capital ratio | 14.2302% | 4,062 |
| Total risk-based capital ratio | 15.4827% | 3,987 |
| Memoranda: | ||
| Average total assets | $329,996,750 | 1,978 |
| Average earning assets | $308,911,000 | 1,956 |
| Average equity | $32,776,500 | 2,128 |
| Average total loans | $192,941,250 | 2,100 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 2,799 |
| Cost of funding earning assets | 0.3612% | 4,307 |
| Net interest margin | 3.8802% | 2,252 |
| Noninterest income to average assets | 0.4233% | 4,066 |
| Noninterest expense to average assets | 2.9519% | 2,996 |
| Loan and lease loss provision to assets | 0.1514% | 1,626 |
| Net operating income to assets | 0.9436% | 2,578 |
| Return on assets (ROA) | 0.9545% | 2,622 |
| Pretax return on assets | 0.9545% | 3,662 |
| Return on Equity (ROE) | 9.6649% | 2,294 |
| Retained earnings to average equity (ytd only) | -5.1636% | 6,248 |
| Net charge-offs to loans | 0.4356% | 941 |
| Credit loss provision to net charge-offs | 60.2410% | 2,634 |
| Earnings coverage of net charge-offs (x) | 4.3566% | 3,126 |
| Efficiency ratio | 72.9422% | 3,171 |
| Assets per employee ($millions) | 5.7179% | 1,509 |
| Cash dividends to net income (ytd only)* | 153.4264% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 1,822 |
| Loan loss allowance to noncurrent loans | 106.8880% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.5762% | 2,071 |
| Noncurrent loans to loans | 1.6938% | 2,052 |
| Net loans and leases to total assets | 58.3492% | 3,943 |
| Net loans and leases to deposits | 68.0949% | 4,037 |
| Net loans and leases to core deposits | 70.1497% | 4,253 |
| Total domestic deposits to total assets | 85.6880% | 3,199 |
| Equity capital to assets | 10.2620% | 3,745 |
| Core capital (leverage) ratio | 10.0438% | 3,548 |
| Tier 1 risk-based capital ratio | 14.5678% | 3,888 |
| Total risk-based capital ratio | 15.8212% | 3,834 |
| Memoranda: | ||
| Average total assets | $330,226,000 | 1,976 |
| Average earning assets | $308,387,000 | 1,958 |
| Average equity | $32,613,000 | 2,124 |
| Average total loans | $190,544,000 | 2,121 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,976 |
| Cost of funding earning assets | 0.3590% | 4,447 |
| Net interest margin | 3.8126% | 2,415 |
| Noninterest income to average assets | 0.3914% | 4,264 |
| Noninterest expense to average assets | 2.7312% | 3,830 |
| Loan and lease loss provision to assets | 0.1790% | 1,345 |
| Net operating income to assets | 1.0548% | 1,990 |
| Return on assets (ROA) | 1.0607% | 2,037 |
| Pretax return on assets | 1.0607% | 3,083 |
| Return on Equity (ROE) | 10.9449% | 1,703 |
| Retained earnings to average equity (ytd only) | -9.9846% | 6,361 |
| Net charge-offs to loans | 1.3594% | 240 |
| Credit loss provision to net charge-offs | 23.1481% | 2,472 |
| Earnings coverage of net charge-offs (x) | 1.5957% | 3,061 |
| Efficiency ratio | 68.8835% | 4,023 |
| Assets per employee ($millions) | 6.3944% | 1,061 |
| Cash dividends to net income (ytd only)* | 191.2261% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 2,562 |
| Loan loss allowance to noncurrent loans | 185.0178% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 2,718 |
| Noncurrent loans to loans | 0.8836% | 3,673 |
| Net loans and leases to total assets | 57.4146% | 3,940 |
| Net loans and leases to deposits | 66.5117% | 4,025 |
| Net loans and leases to core deposits | 68.5732% | 4,250 |
| Total domestic deposits to total assets | 86.3226% | 3,197 |
| Equity capital to assets | 9.8585% | 4,020 |
| Core capital (leverage) ratio | 9.8941% | 3,720 |
| Tier 1 risk-based capital ratio | 14.6869% | 3,894 |
| Total risk-based capital ratio | 15.9387% | 3,846 |
| Memoranda: | ||
| Average total assets | $335,239,000 | 1,955 |
| Average earning assets | $314,220,500 | 1,914 |
| Average equity | $32,490,000 | 2,123 |
| Average total loans | $190,676,500 | 2,128 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 3,663 |
| Cost of funding earning assets | 0.4012% | 4,645 |
| Net interest margin | 3.7187% | 2,983 |
| Noninterest income to average assets | 0.4795% | 3,889 |
| Noninterest expense to average assets | 2.7825% | 3,785 |
| Loan and lease loss provision to assets | 0.0211% | 4,709 |
| Net operating income to assets | 1.1535% | 1,748 |
| Return on assets (ROA) | 1.1575% | 1,788 |
| Pretax return on assets | 1.1575% | 2,739 |
| Return on Equity (ROE) | 11.6309% | 1,541 |
| Retained earnings to average equity (ytd only) | 3.8884% | 3,435 |
| Net charge-offs to loans | 0.3061% | 2,155 |
| Credit loss provision to net charge-offs | 11.8674% | 4,564 |
| Earnings coverage of net charge-offs (x) | 6.6003% | 3,026 |
| Efficiency ratio | 70.3163% | 3,789 |
| Assets per employee ($millions) | 6.3771% | 1,052 |
| Cash dividends to net income (ytd only)* | 66.5683% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 1,802 |
| Loan loss allowance to noncurrent loans | 117.5130% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 2,673 |
| Noncurrent loans to loans | 1.6083% | 2,497 |
| Net loans and leases to total assets | 54.4174% | 4,533 |
| Net loans and leases to deposits | 62.9932% | 4,610 |
| Net loans and leases to core deposits | 64.7781% | 4,803 |
| Total domestic deposits to total assets | 86.3862% | 3,052 |
| Equity capital to assets | 9.5335% | 4,374 |
| Core capital (leverage) ratio | 10.0705% | 3,467 |
| Tier 1 risk-based capital ratio | 14.8732% | 3,737 |
| Total risk-based capital ratio | 16.1271% | 3,684 |
| Memoranda: | ||
| Average total assets | $321,982,000 | 1,997 |
| Average earning assets | $301,098,600 | 1,972 |
| Average equity | $32,044,000 | 2,126 |
| Average total loans | $187,167,600 | 2,132 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 3,709 |
| Cost of funding earning assets | 0.4108% | 4,715 |
| Net interest margin | 3.7016% | 3,025 |
| Noninterest income to average assets | 0.3687% | 4,756 |
| Noninterest expense to average assets | 2.7451% | 3,850 |
| Loan and lease loss provision to assets | 0.0287% | 4,434 |
| Net operating income to assets | 1.0502% | 2,180 |
| Return on assets (ROA) | 1.0556% | 2,253 |
| Pretax return on assets | 1.0556% | 3,279 |
| Return on Equity (ROE) | 10.4872% | 2,006 |
| Retained earnings to average equity (ytd only) | 1.7374% | 5,270 |
| Net charge-offs to loans | 0.1217% | 3,328 |
| Credit loss provision to net charge-offs | 40.0000% | 3,703 |
| Earnings coverage of net charge-offs (x) | 15.0589% | 1,894 |
| Efficiency ratio | 71.7875% | 3,444 |
| Assets per employee ($millions) | 6.2327% | 1,092 |
| Cash dividends to net income (ytd only)* | 83.4331% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0646% | 1,580 |
| Loan loss allowance to noncurrent loans | 107.2421% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6410% | 2,506 |
| Noncurrent loans to loans | 1.9252% | 2,332 |
| Net loans and leases to total assets | 56.5581% | 4,236 |
| Net loans and leases to deposits | 65.6835% | 4,343 |
| Net loans and leases to core deposits | 67.8839% | 4,537 |
| Total domestic deposits to total assets | 86.1071% | 3,192 |
| Equity capital to assets | 9.4754% | 4,582 |
| Core capital (leverage) ratio | 10.1706% | 3,440 |
| Tier 1 risk-based capital ratio | 14.2936% | 4,218 |
| Total risk-based capital ratio | 15.5540% | 4,158 |
| Memoranda: | ||
| Average total assets | $316,386,500 | 2,044 |
| Average earning assets | $295,326,500 | 2,011 |
| Average equity | $31,847,500 | 2,158 |
| Average total loans | $186,208,500 | 2,142 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 3,508 |
| Cost of funding earning assets | 0.4192% | 4,761 |
| Net interest margin | 3.7392% | 2,806 |
| Noninterest income to average assets | 0.3572% | 4,833 |
| Noninterest expense to average assets | 2.8057% | 3,656 |
| Loan and lease loss provision to assets | 0.0439% | 4,088 |
| Net operating income to assets | 0.9933% | 2,353 |
| Return on assets (ROA) | 1.0017% | 2,460 |
| Pretax return on assets | 1.0017% | 3,505 |
| Return on Equity (ROE) | 9.7446% | 2,298 |
| Retained earnings to average equity (ytd only) | -1.4890% | 6,124 |
| Net charge-offs to loans | 0.1853% | 2,644 |
| Credit loss provision to net charge-offs | 40.0000% | 3,416 |
| Earnings coverage of net charge-offs (x) | 9.4471% | 2,284 |
| Efficiency ratio | 73.0084% | 3,308 |
| Assets per employee ($millions) | 5.6688% | 1,443 |
| Cash dividends to net income (ytd only)* | 115.2805% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1374% | 1,549 |
| Loan loss allowance to noncurrent loans | 111.4722% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.7899% | 2,429 |
| Noncurrent loans to loans | 1.9174% | 2,486 |
| Net loans and leases to total assets | 60.0242% | 3,652 |
| Net loans and leases to deposits | 69.9343% | 3,721 |
| Net loans and leases to core deposits | 72.3727% | 4,000 |
| Total domestic deposits to total assets | 85.8294% | 3,453 |
| Equity capital to assets | 10.1332% | 3,747 |
| Core capital (leverage) ratio | 10.3944% | 2,993 |
| Tier 1 risk-based capital ratio | 14.8330% | 3,885 |
| Total risk-based capital ratio | 16.0946% | 3,841 |
| Memoranda: | ||
| Average total assets | $309,659,670 | 2,090 |
| Average earning assets | $288,669,000 | 2,068 |
| Average equity | $31,833,000 | 2,162 |
| Average total loans | $183,488,330 | 2,168 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 4,261 |
| Cost of funding earning assets | 0.4205% | 4,905 |
| Net interest margin | 3.5406% | 3,520 |
| Noninterest income to average assets | 0.3596% | 4,793 |
| Noninterest expense to average assets | 2.6959% | 4,078 |
| Loan and lease loss provision to assets | 0.0873% | 3,208 |
| Net operating income to assets | 0.8644% | 2,840 |
| Return on assets (ROA) | 0.8811% | 2,893 |
| Pretax return on assets | 0.8811% | 3,830 |
| Return on Equity (ROE) | 8.5112% | 2,712 |
| Retained earnings to average equity (ytd only) | -6.3772% | 6,435 |
| Net charge-offs to loans | 0.0066% | 4,027 |
| Credit loss provision to net charge-offs | 2,266.6667% | 142 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 156 |
| Efficiency ratio | 73.9085% | 3,281 |
| Assets per employee ($millions) | 6.1419% | 1,169 |
| Cash dividends to net income (ytd only)* | 174.9271% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2844% | 1,440 |
| Loan loss allowance to noncurrent loans | 96.6698% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.9624% | 2,394 |
| Noncurrent loans to loans | 2.3630% | 2,205 |
| Net loans and leases to total assets | 57.0827% | 3,906 |
| Net loans and leases to deposits | 66.7924% | 3,937 |
| Net loans and leases to core deposits | 71.3489% | 3,905 |
| Total domestic deposits to total assets | 85.4628% | 3,815 |
| Equity capital to assets | 10.1904% | 3,916 |
| Core capital (leverage) ratio | 10.4136% | 2,891 |
| Tier 1 risk-based capital ratio | 15.0363% | 3,816 |
| Total risk-based capital ratio | 16.2951% | 3,763 |
| Memoranda: | ||
| Average total assets | $311,433,000 | 2,111 |
| Average earning assets | $289,213,000 | 2,085 |
| Average equity | $32,240,000 | 2,167 |
| Average total loans | $181,355,000 | 2,197 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 3,696 |
| Cost of funding earning assets | 0.5326% | 4,976 |
| Net interest margin | 3.8990% | 2,833 |
| Noninterest income to average assets | 0.3428% | 5,009 |
| Noninterest expense to average assets | 2.9985% | 3,279 |
| Loan and lease loss provision to assets | 0.3583% | 1,862 |
| Net operating income to assets | 0.6319% | 4,080 |
| Return on assets (ROA) | 0.8244% | 3,424 |
| Pretax return on assets | 0.8244% | 4,209 |
| Return on Equity (ROE) | 7.8404% | 3,160 |
| Retained earnings to average equity (ytd only) | 4.0722% | 3,349 |
| Net charge-offs to loans | 0.8645% | 1,323 |
| Credit loss provision to net charge-offs | 70.4472% | 4,144 |
| Earnings coverage of net charge-offs (x) | 1.9469% | 4,450 |
| Efficiency ratio | 75.1756% | 2,880 |
| Assets per employee ($millions) | 5.9544% | 1,313 |
| Cash dividends to net income (ytd only)* | 48.0608% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2896% | 1,390 |
| Loan loss allowance to noncurrent loans | 101.9574% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.8923% | 2,582 |
| Noncurrent loans to loans | 2.2456% | 2,408 |
| Net loans and leases to total assets | 56.7166% | 4,156 |
| Net loans and leases to deposits | 66.4393% | 4,221 |
| Net loans and leases to core deposits | 71.4304% | 4,113 |
| Total domestic deposits to total assets | 85.3660% | 3,680 |
| Equity capital to assets | 10.5158% | 3,513 |
| Core capital (leverage) ratio | 10.6773% | 2,570 |
| Tier 1 risk-based capital ratio | 15.7407% | 3,294 |
| Total risk-based capital ratio | 16.9996% | 3,249 |
| Memoranda: | ||
| Average total assets | $303,390,000 | 2,119 |
| Average earning assets | $283,689,600 | 2,083 |
| Average equity | $31,899,000 | 2,145 |
| Average total loans | $178,475,400 | 2,222 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 3,516 |
| Cost of funding earning assets | 0.5598% | 4,996 |
| Net interest margin | 3.9702% | 2,626 |
| Noninterest income to average assets | 0.3234% | 5,198 |
| Noninterest expense to average assets | 3.0113% | 3,195 |
| Loan and lease loss provision to assets | 0.3697% | 1,756 |
| Net operating income to assets | 0.6639% | 4,072 |
| Return on assets (ROA) | 0.8000% | 3,696 |
| Pretax return on assets | 0.8000% | 4,484 |
| Return on Equity (ROE) | 7.6090% | 3,469 |
| Retained earnings to average equity (ytd only) | 3.2436% | 4,588 |
| Net charge-offs to loans | 1.1338% | 888 |
| Credit loss provision to net charge-offs | 55.2475% | 4,268 |
| Earnings coverage of net charge-offs (x) | 1.5446% | 4,508 |
| Efficiency ratio | 74.4458% | 2,908 |
| Assets per employee ($millions) | 5.6805% | 1,474 |
| Cash dividends to net income (ytd only)* | 57.3716% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 1,691 |
| Loan loss allowance to noncurrent loans | 95.6511% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.9637% | 2,697 |
| Noncurrent loans to loans | 2.3081% | 2,498 |
| Net loans and leases to total assets | 57.2765% | 4,246 |
| Net loans and leases to deposits | 67.3667% | 4,277 |
| Net loans and leases to core deposits | 73.1369% | 4,096 |
| Total domestic deposits to total assets | 85.0219% | 3,733 |
| Equity capital to assets | 10.6512% | 3,668 |
| Core capital (leverage) ratio | 10.6883% | 2,714 |
| Tier 1 risk-based capital ratio | 16.0956% | 3,218 |
| Total risk-based capital ratio | 17.3542% | 3,186 |
| Memoranda: | ||
| Average total assets | $301,830,250 | 2,147 |
| Average earning assets | $282,934,750 | 2,107 |
| Average equity | $31,733,750 | 2,174 |
| Average total loans | $178,162,750 | 2,256 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 3,277 |
| Cost of funding earning assets | 0.5928% | 4,960 |
| Net interest margin | 4.0270% | 2,394 |
| Noninterest income to average assets | 0.3383% | 5,119 |
| Noninterest expense to average assets | 3.0621% | 3,043 |
| Loan and lease loss provision to assets | 0.3886% | 1,685 |
| Net operating income to assets | 0.6614% | 4,054 |
| Return on assets (ROA) | 0.8653% | 3,328 |
| Pretax return on assets | 0.8653% | 4,212 |
| Return on Equity (ROE) | 8.2662% | 3,135 |
| Retained earnings to average equity (ytd only) | 2.7259% | 4,804 |
| Net charge-offs to loans | 1.5763% | 603 |
| Credit loss provision to net charge-offs | 41.6608% | 4,230 |
| Earnings coverage of net charge-offs (x) | 1.1256% | 4,451 |
| Efficiency ratio | 74.4647% | 2,998 |
| Assets per employee ($millions) | 5.2814% | 1,836 |
| Cash dividends to net income (ytd only)* | 67.0237% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0989% | 2,006 |
| Loan loss allowance to noncurrent loans | 99.8136% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.9526% | 2,842 |
| Noncurrent loans to loans | 2.1028% | 2,820 |
| Net loans and leases to total assets | 59.1250% | 3,967 |
| Net loans and leases to deposits | 70.2656% | 3,857 |
| Net loans and leases to core deposits | 76.4751% | 3,719 |
| Total domestic deposits to total assets | 84.1449% | 4,252 |
| Equity capital to assets | 10.7012% | 3,456 |
| Core capital (leverage) ratio | 10.4459% | 2,860 |
| Tier 1 risk-based capital ratio | 15.8449% | 3,249 |
| Total risk-based capital ratio | 17.1073% | 3,211 |
| Memoranda: | ||
| Average total assets | $302,085,000 | 2,142 |
| Average earning assets | $283,087,000 | 2,105 |
| Average equity | $31,622,670 | 2,167 |
| Average total loans | $178,772,670 | 2,247 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 3,685 |
| Cost of funding earning assets | 0.6273% | 4,919 |
| Net interest margin | 3.9301% | 2,802 |
| Noninterest income to average assets | 0.2031% | 6,172 |
| Noninterest expense to average assets | 2.8842% | 3,688 |
| Loan and lease loss provision to assets | 0.4416% | 1,414 |
| Net operating income to assets | 0.5635% | 4,527 |
| Return on assets (ROA) | 0.7967% | 3,631 |
| Pretax return on assets | 0.7967% | 4,425 |
| Return on Equity (ROE) | 7.6940% | 3,414 |
| Retained earnings to average equity (ytd only) | 1.3667% | 5,552 |
| Net charge-offs to loans | 1.4157% | 706 |
| Credit loss provision to net charge-offs | 53.2385% | 3,230 |
| Earnings coverage of net charge-offs (x) | 1.2117% | 3,731 |
| Efficiency ratio | 74.1577% | 3,077 |
| Assets per employee ($millions) | 5.2219% | 1,971 |
| Cash dividends to net income (ytd only)* | 82.2368% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4220% | 1,468 |
| Loan loss allowance to noncurrent loans | 106.5819% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.8919% | 3,056 |
| Noncurrent loans to loans | 2.2725% | 2,834 |
| Net loans and leases to total assets | 56.8655% | 4,237 |
| Net loans and leases to deposits | 66.7091% | 4,273 |
| Net loans and leases to core deposits | 72.2113% | 4,119 |
| Total domestic deposits to total assets | 85.2439% | 3,913 |
| Equity capital to assets | 10.4110% | 3,604 |
| Core capital (leverage) ratio | 10.2491% | 3,051 |
| Tier 1 risk-based capital ratio | 15.8767% | 3,234 |
| Total risk-based capital ratio | 17.1379% | 3,199 |
| Memoranda: | ||
| Average total assets | $305,247,500 | 2,129 |
| Average earning assets | $286,303,500 | 2,088 |
| Average equity | $31,609,000 | 2,172 |
| Average total loans | $178,850,500 | 2,260 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 3,351 |
| Cost of funding earning assets | 0.8966% | 4,146 |
| Net interest margin | 4.0044% | 2,856 |
| Noninterest income to average assets | 0.3007% | 5,381 |
| Noninterest expense to average assets | 3.0003% | 3,587 |
| Loan and lease loss provision to assets | 0.3118% | 3,175 |
| Net operating income to assets | 0.7402% | 3,292 |
| Return on assets (ROA) | 0.7770% | 3,310 |
| Pretax return on assets | 0.7770% | 4,063 |
| Return on Equity (ROE) | 7.6430% | 3,081 |
| Retained earnings to average equity (ytd only) | 3.9749% | 3,369 |
| Net charge-offs to loans | 0.6320% | 2,566 |
| Credit loss provision to net charge-offs | 77.4878% | 4,578 |
| Earnings coverage of net charge-offs (x) | 2.6142% | 3,905 |
| Efficiency ratio | 74.0381% | 3,233 |
| Assets per employee ($millions) | 5.5932% | 1,544 |
| Cash dividends to net income (ytd only)* | 47.9932% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5227% | 1,286 |
| Loan loss allowance to noncurrent loans | 103.4397% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 2.1773% | 2,761 |
| Noncurrent loans to loans | 2.4388% | 2,694 |
| Net loans and leases to total assets | 57.4162% | 4,478 |
| Net loans and leases to deposits | 67.5207% | 4,508 |
| Net loans and leases to core deposits | 73.2724% | 4,338 |
| Total domestic deposits to total assets | 85.0350% | 3,823 |
| Equity capital to assets | 10.3002% | 3,785 |
| Core capital (leverage) ratio | 10.3010% | 2,970 |
| Tier 1 risk-based capital ratio | 15.6175% | 3,258 |
| Total risk-based capital ratio | 16.8801% | 3,204 |
| Memoranda: | ||
| Average total assets | $304,634,400 | 2,105 |
| Average earning assets | $285,410,200 | 2,057 |
| Average equity | $30,969,400 | 2,132 |
| Average total loans | $193,973,800 | 2,096 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 3,099 |
| Cost of funding earning assets | 0.9593% | 3,963 |
| Net interest margin | 4.0371% | 2,743 |
| Noninterest income to average assets | 0.3032% | 5,441 |
| Noninterest expense to average assets | 2.8830% | 4,004 |
| Loan and lease loss provision to assets | 0.4168% | 2,380 |
| Net operating income to assets | 0.7867% | 3,227 |
| Return on assets (ROA) | 0.8358% | 3,156 |
| Pretax return on assets | 0.8358% | 3,996 |
| Return on Equity (ROE) | 8.2492% | 2,937 |
| Retained earnings to average equity (ytd only) | 3.3300% | 4,352 |
| Net charge-offs to loans | 0.6965% | 2,170 |
| Credit loss provision to net charge-offs | 92.2330% | 3,700 |
| Earnings coverage of net charge-offs (x) | 2.6631% | 3,789 |
| Efficiency ratio | 70.5497% | 3,844 |
| Assets per employee ($millions) | 5.1058% | 2,062 |
| Cash dividends to net income (ytd only)* | 59.6325% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5659% | 1,311 |
| Loan loss allowance to noncurrent loans | 72.7009% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.8342% | 2,291 |
| Noncurrent loans to loans | 3.5293% | 1,949 |
| Net loans and leases to total assets | 61.1270% | 3,918 |
| Net loans and leases to deposits | 72.1045% | 3,971 |
| Net loans and leases to core deposits | 76.6088% | 4,110 |
| Total domestic deposits to total assets | 84.7756% | 3,882 |
| Equity capital to assets | 10.5884% | 3,592 |
| Core capital (leverage) ratio | 10.0031% | 3,440 |
| Tier 1 risk-based capital ratio | 15.2977% | 3,494 |
| Total risk-based capital ratio | 16.5616% | 3,454 |
| Memoranda: | ||
| Average total assets | $303,887,000 | 2,118 |
| Average earning assets | $284,785,500 | 2,067 |
| Average equity | $30,790,250 | 2,151 |
| Average total loans | $197,168,000 | 2,088 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 3,014 |
| Cost of funding earning assets | 1.0164% | 3,839 |
| Net interest margin | 4.0133% | 2,777 |
| Noninterest income to average assets | 0.3263% | 5,283 |
| Noninterest expense to average assets | 2.7977% | 4,425 |
| Loan and lease loss provision to assets | 0.5090% | 1,922 |
| Net operating income to assets | 0.7766% | 3,167 |
| Return on assets (ROA) | 0.8497% | 2,956 |
| Pretax return on assets | 0.8497% | 3,832 |
| Return on Equity (ROE) | 8.5093% | 2,714 |
| Retained earnings to average equity (ytd only) | 2.9345% | 4,416 |
| Net charge-offs to loans | 0.7733% | 1,956 |
| Credit loss provision to net charge-offs | 100.3861% | 3,093 |
| Earnings coverage of net charge-offs (x) | 2.5354% | 3,560 |
| Efficiency ratio | 68.5153% | 4,420 |
| Assets per employee ($millions) | 5.2772% | 1,787 |
| Cash dividends to net income (ytd only)* | 65.5146% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4833% | 1,469 |
| Loan loss allowance to noncurrent loans | 83.5343% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 2.5828% | 2,580 |
| Noncurrent loans to loans | 2.9728% | 2,443 |
| Net loans and leases to total assets | 63.3158% | 3,618 |
| Net loans and leases to deposits | 74.1938% | 3,778 |
| Net loans and leases to core deposits | 80.1250% | 3,769 |
| Total domestic deposits to total assets | 85.3384% | 3,709 |
| Equity capital to assets | 10.2889% | 3,764 |
| Core capital (leverage) ratio | 9.8236% | 3,488 |
| Tier 1 risk-based capital ratio | 14.3070% | 3,930 |
| Total risk-based capital ratio | 15.5695% | 3,899 |
| Memoranda: | ||
| Average total assets | $306,470,670 | 2,105 |
| Average earning assets | $286,892,670 | 2,062 |
| Average equity | $30,601,670 | 2,149 |
| Average total loans | $200,962,000 | 2,075 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 3,443 |
| Cost of funding earning assets | 1.0668% | 3,738 |
| Net interest margin | 3.8593% | 3,341 |
| Noninterest income to average assets | 0.3647% | 4,995 |
| Noninterest expense to average assets | 2.7636% | 4,589 |
| Loan and lease loss provision to assets | 0.2974% | 2,783 |
| Net operating income to assets | 0.9247% | 2,461 |
| Return on assets (ROA) | 1.0087% | 2,207 |
| Pretax return on assets | 1.0087% | 3,109 |
| Return on Equity (ROE) | 10.2537% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.2537% | 1,062 |
| Net charge-offs to loans | 0.4868% | 2,254 |
| Credit loss provision to net charge-offs | 92.7419% | 2,887 |
| Earnings coverage of net charge-offs (x) | 3.8105% | 2,626 |
| Efficiency ratio | 69.3381% | 4,411 |
| Assets per employee ($millions) | 5.4932% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3852% | 1,624 |
| Loan loss allowance to noncurrent loans | 86.7745% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 2.4346% | 2,792 |
| Noncurrent loans to loans | 2.7487% | 2,750 |
| Net loans and leases to total assets | 63.1186% | 3,623 |
| Net loans and leases to deposits | 74.0786% | 3,750 |
| Net loans and leases to core deposits | 79.4919% | 3,823 |
| Total domestic deposits to total assets | 85.2050% | 3,945 |
| Equity capital to assets | 9.8214% | 4,011 |
| Core capital (leverage) ratio | 9.8972% | 3,274 |
| Tier 1 risk-based capital ratio | 13.6902% | 4,292 |
| Total risk-based capital ratio | 14.9514% | 4,257 |
| Memoranda: | ||
| Average total assets | $309,306,000 | 2,100 |
| Average earning assets | $290,206,000 | 2,054 |
| Average equity | $30,428,000 | 2,153 |
| Average total loans | $203,791,000 | 2,068 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2892% | 3,182 |
| Cost of funding earning assets | 1.3589% | 3,518 |
| Net interest margin | 3.9303% | 3,342 |
| Noninterest income to average assets | 0.4643% | 4,415 |
| Noninterest expense to average assets | 2.9989% | 3,854 |
| Loan and lease loss provision to assets | 0.9178% | 1,781 |
| Net operating income to assets | 0.2293% | 5,184 |
| Return on assets (ROA) | 0.3478% | 4,912 |
| Pretax return on assets | 0.3478% | 5,091 |
| Return on Equity (ROE) | 3.4511% | 4,773 |
| Retained earnings to average equity (ytd only) | 0.7518% | 5,177 |
| Net charge-offs to loans | 0.5741% | 3,327 |
| Credit loss provision to net charge-offs | 217.9081% | 1,383 |
| Earnings coverage of net charge-offs (x) | 2.7235% | 3,717 |
| Efficiency ratio | 72.3313% | 3,730 |
| Assets per employee ($millions) | 5.6574% | 1,453 |
| Cash dividends to net income (ytd only)* | 78.2150% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3630% | 1,604 |
| Loan loss allowance to noncurrent loans | 79.6811% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 2.6763% | 2,606 |
| Noncurrent loans to loans | 2.9656% | 2,579 |
| Net loans and leases to total assets | 65.5561% | 3,552 |
| Net loans and leases to deposits | 76.9246% | 3,696 |
| Net loans and leases to core deposits | 80.9986% | 4,059 |
| Total domestic deposits to total assets | 85.2213% | 3,742 |
| Equity capital to assets | 9.8540% | 3,934 |
| Core capital (leverage) ratio | 9.7515% | 3,374 |
| Tier 1 risk-based capital ratio | 13.2912% | 4,379 |
| Total risk-based capital ratio | 14.5522% | 4,328 |
| Memoranda: | ||
| Average total assets | $299,613,400 | 2,152 |
| Average earning assets | $280,668,800 | 2,099 |
| Average equity | $30,193,400 | 2,159 |
| Average total loans | $219,820,400 | 1,970 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3969% | 2,902 |
| Cost of funding earning assets | 1.3917% | 3,626 |
| Net interest margin | 4.0052% | 3,080 |
| Noninterest income to average assets | 0.4535% | 4,531 |
| Noninterest expense to average assets | 2.8746% | 4,184 |
| Loan and lease loss provision to assets | 1.2298% | 1,151 |
| Net operating income to assets | 0.0979% | 5,782 |
| Return on assets (ROA) | 0.2567% | 5,484 |
| Pretax return on assets | 0.2567% | 5,599 |
| Return on Equity (ROE) | 2.5328% | 5,418 |
| Retained earnings to average equity (ytd only) | 0.1059% | 5,735 |
| Net charge-offs to loans | 0.6365% | 2,841 |
| Credit loss provision to net charge-offs | 257.7320% | 1,283 |
| Earnings coverage of net charge-offs (x) | 2.7826% | 3,748 |
| Efficiency ratio | 68.4048% | 4,386 |
| Assets per employee ($millions) | 5.4711% | 1,650 |
| Cash dividends to net income (ytd only)* | 95.8200% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3877% | 1,489 |
| Loan loss allowance to noncurrent loans | 132.5447% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 3,579 |
| Noncurrent loans to loans | 1.8015% | 3,944 |
| Net loans and leases to total assets | 67.2765% | 3,387 |
| Net loans and leases to deposits | 78.1991% | 3,792 |
| Net loans and leases to core deposits | 84.7039% | 3,847 |
| Total domestic deposits to total assets | 86.0323% | 3,057 |
| Equity capital to assets | 9.9109% | 4,277 |
| Core capital (leverage) ratio | 9.7582% | 3,539 |
| Tier 1 risk-based capital ratio | 12.9062% | 4,647 |
| Total risk-based capital ratio | 14.1677% | 4,621 |
| Memoranda: | ||
| Average total assets | $298,141,750 | 2,198 |
| Average earning assets | $279,066,250 | 2,152 |
| Average equity | $30,215,750 | 2,182 |
| Average total loans | $223,495,250 | 1,970 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4927% | 2,550 |
| Cost of funding earning assets | 1.4369% | 3,628 |
| Net interest margin | 4.0558% | 2,766 |
| Noninterest income to average assets | 0.3913% | 4,980 |
| Noninterest expense to average assets | 2.8111% | 4,439 |
| Loan and lease loss provision to assets | 1.4557% | 915 |
| Net operating income to assets | -0.0819% | 6,201 |
| Return on assets (ROA) | 0.1584% | 5,814 |
| Pretax return on assets | 0.1584% | 5,867 |
| Return on Equity (ROE) | 1.5514% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.5514% | 5,089 |
| Net charge-offs to loans | 0.6379% | 2,633 |
| Credit loss provision to net charge-offs | 296.1433% | 1,255 |
| Earnings coverage of net charge-offs (x) | 2.7948% | 3,592 |
| Efficiency ratio | 67.1736% | 4,733 |
| Assets per employee ($millions) | 5.2169% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1337% | 1,901 |
| Loan loss allowance to noncurrent loans | 173.0463% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 4,299 |
| Noncurrent loans to loans | 1.2330% | 4,907 |
| Net loans and leases to total assets | 73.7762% | 1,960 |
| Net loans and leases to deposits | 86.3802% | 2,450 |
| Net loans and leases to core deposits | 100.4381% | 1,968 |
| Total domestic deposits to total assets | 85.4088% | 3,416 |
| Equity capital to assets | 10.1932% | 3,776 |
| Core capital (leverage) ratio | 9.9036% | 3,277 |
| Tier 1 risk-based capital ratio | 12.1920% | 5,139 |
| Total risk-based capital ratio | 13.4505% | 5,101 |
| Memoranda: | ||
| Average total assets | $295,396,000 | 2,230 |
| Average earning assets | $276,294,330 | 2,184 |
| Average equity | $30,166,000 | 2,183 |
| Average total loans | $227,606,000 | 1,958 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 2,654 |
| Cost of funding earning assets | 1.4415% | 3,929 |
| Net interest margin | 4.0439% | 2,678 |
| Noninterest income to average assets | 0.4049% | 4,880 |
| Noninterest expense to average assets | 2.7703% | 4,604 |
| Loan and lease loss provision to assets | 1.2907% | 938 |
| Net operating income to assets | 0.1209% | 5,966 |
| Return on assets (ROA) | 0.1209% | 6,080 |
| Pretax return on assets | 0.1209% | 6,087 |
| Return on Equity (ROE) | 1.1830% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.1830% | 5,345 |
| Net charge-offs to loans | 0.7082% | 2,085 |
| Credit loss provision to net charge-offs | 233.9901% | 1,633 |
| Earnings coverage of net charge-offs (x) | 2.5591% | 3,261 |
| Efficiency ratio | 66.2443% | 5,064 |
| Assets per employee ($millions) | 5.3734% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,979 |
| Loan loss allowance to noncurrent loans | 110.7234% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.5809% | 4,128 |
| Noncurrent loans to loans | 1.5559% | 4,410 |
| Net loans and leases to total assets | 73.9953% | 1,971 |
| Net loans and leases to deposits | 87.5029% | 2,313 |
| Net loans and leases to core deposits | 100.3991% | 2,087 |
| Total domestic deposits to total assets | 84.5632% | 3,867 |
| Equity capital to assets | 10.0285% | 3,829 |
| Core capital (leverage) ratio | 10.1899% | 2,939 |
| Tier 1 risk-based capital ratio | 11.6562% | 5,524 |
| Total risk-based capital ratio | 12.9094% | 5,480 |
| Memoranda: | ||
| Average total assets | $294,412,000 | 2,276 |
| Average earning assets | $274,985,000 | 2,244 |
| Average equity | $30,093,500 | 2,212 |
| Average total loans | $229,325,500 | 2,000 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8294% | 2,528 |
| Cost of funding earning assets | 1.6765% | 4,637 |
| Net interest margin | 4.1529% | 2,237 |
| Noninterest income to average assets | 0.4054% | 5,164 |
| Noninterest expense to average assets | 2.9582% | 4,312 |
| Loan and lease loss provision to assets | 1.2225% | 1,881 |
| Net operating income to assets | 0.1220% | 5,140 |
| Return on assets (ROA) | 0.2823% | 4,692 |
| Pretax return on assets | 0.2823% | 4,810 |
| Return on Equity (ROE) | 2.9031% | 4,543 |
| Retained earnings to average equity (ytd only) | -2.3176% | 5,580 |
| Net charge-offs to loans | 1.1292% | 2,170 |
| Credit loss provision to net charge-offs | 133.5926% | 3,733 |
| Earnings coverage of net charge-offs (x) | 1.4693% | 4,657 |
| Efficiency ratio | 68.7515% | 4,869 |
| Assets per employee ($millions) | 5.1413% | 2,031 |
| Cash dividends to net income (ytd only)* | 179.8319% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 3,993 |
| Loan loss allowance to noncurrent loans | 55.5574% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.4330% | 2,860 |
| Noncurrent loans to loans | 2.6050% | 2,954 |
| Net loans and leases to total assets | 79.4438% | 1,106 |
| Net loans and leases to deposits | 94.2509% | 1,565 |
| Net loans and leases to core deposits | 117.3824% | 2,193 |
| Total domestic deposits to total assets | 84.2897% | 3,900 |
| Equity capital to assets | 10.4233% | 3,261 |
| Core capital (leverage) ratio | 10.1549% | 2,947 |
| Tier 1 risk-based capital ratio | 11.4825% | 5,405 |
| Total risk-based capital ratio | 12.7331% | 5,373 |
| Memoranda: | ||
| Average total assets | $295,046,600 | 2,246 |
| Average earning assets | $276,888,400 | 2,195 |
| Average equity | $28,693,600 | 2,318 |
| Average total loans | $239,117,200 | 1,960 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8091% | 2,849 |
| Cost of funding earning assets | 1.7152% | 4,822 |
| Net interest margin | 4.0939% | 2,424 |
| Noninterest income to average assets | 0.4460% | 4,927 |
| Noninterest expense to average assets | 2.8986% | 4,458 |
| Loan and lease loss provision to assets | 1.2608% | 1,529 |
| Net operating income to assets | 0.1388% | 5,356 |
| Return on assets (ROA) | 0.3513% | 4,692 |
| Pretax return on assets | 0.3513% | 4,928 |
| Return on Equity (ROE) | 3.6759% | 4,510 |
| Retained earnings to average equity (ytd only) | -3.3656% | 6,000 |
| Net charge-offs to loans | 1.4497% | 1,428 |
| Credit loss provision to net charge-offs | 107.1783% | 4,743 |
| Earnings coverage of net charge-offs (x) | 1.1898% | 4,873 |
| Efficiency ratio | 67.4365% | 5,084 |
| Assets per employee ($millions) | 5.4635% | 1,648 |
| Cash dividends to net income (ytd only)* | 191.5599% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 5,671 |
| Loan loss allowance to noncurrent loans | 45.8174% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 2.3646% | 2,911 |
| Noncurrent loans to loans | 2.4205% | 3,110 |
| Net loans and leases to total assets | 74.2907% | 2,443 |
| Net loans and leases to deposits | 86.9771% | 3,148 |
| Net loans and leases to core deposits | 107.8950% | 3,481 |
| Total domestic deposits to total assets | 85.4141% | 3,019 |
| Equity capital to assets | 9.4855% | 4,767 |
| Core capital (leverage) ratio | 9.6249% | 3,749 |
| Tier 1 risk-based capital ratio | 11.1444% | 5,820 |
| Total risk-based capital ratio | 12.1400% | 6,024 |
| Memoranda: | ||
| Average total assets | $296,830,000 | 2,249 |
| Average earning assets | $279,303,500 | 2,202 |
| Average equity | $28,364,500 | 2,367 |
| Average total loans | $240,874,500 | 1,964 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9865% | 2,233 |
| Cost of funding earning assets | 1.8030% | 4,741 |
| Net interest margin | 4.1835% | 2,052 |
| Noninterest income to average assets | 0.4591% | 4,786 |
| Noninterest expense to average assets | 3.0895% | 3,741 |
| Loan and lease loss provision to assets | 0.7941% | 2,105 |
| Net operating income to assets | 0.5053% | 4,071 |
| Return on assets (ROA) | 0.5053% | 4,192 |
| Pretax return on assets | 0.5053% | 4,602 |
| Return on Equity (ROE) | 5.2734% | 3,964 |
| Retained earnings to average equity (ytd only) | -4.9065% | 6,288 |
| Net charge-offs to loans | 0.2721% | 3,833 |
| Credit loss provision to net charge-offs | 350.1520% | 1,322 |
| Earnings coverage of net charge-offs (x) | 5.7295% | 2,772 |
| Efficiency ratio | 70.3942% | 4,700 |
| Assets per employee ($millions) | 4.9794% | 2,099 |
| Cash dividends to net income (ytd only)* | 193.0423% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,009 |
| Loan loss allowance to noncurrent loans | 135.8358% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 4,270 |
| Noncurrent loans to loans | 0.9902% | 5,226 |
| Net loans and leases to total assets | 81.7607% | 995 |
| Net loans and leases to deposits | 96.2864% | 1,750 |
| Net loans and leases to core deposits | 116.7908% | 2,644 |
| Total domestic deposits to total assets | 84.9140% | 3,306 |
| Equity capital to assets | 9.2446% | 4,944 |
| Core capital (leverage) ratio | 9.1325% | 4,412 |
| Tier 1 risk-based capital ratio | 10.1408% | 6,784 |
| Total risk-based capital ratio | 11.3669% | 6,734 |
| Memoranda: | ||
| Average total assets | $290,146,000 | 2,319 |
| Average earning assets | $272,546,330 | 2,268 |
| Average equity | $27,800,000 | 2,416 |
| Average total loans | $241,814,670 | 1,992 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9599% | 2,527 |
| Cost of funding earning assets | 1.8360% | 4,935 |
| Net interest margin | 4.1239% | 2,197 |
| Noninterest income to average assets | 0.5105% | 4,225 |
| Noninterest expense to average assets | 3.1187% | 3,308 |
| Loan and lease loss provision to assets | 0.3829% | 3,027 |
| Net operating income to assets | 0.8823% | 2,781 |
| Return on assets (ROA) | 0.8823% | 2,924 |
| Pretax return on assets | 0.8823% | 3,782 |
| Return on Equity (ROE) | 9.0468% | 2,695 |
| Retained earnings to average equity (ytd only) | 9.0468% | 1,468 |
| Net charge-offs to loans | 0.2706% | 3,044 |
| Credit loss provision to net charge-offs | 169.3252% | 2,528 |
| Earnings coverage of net charge-offs (x) | 5.5951% | 2,646 |
| Efficiency ratio | 71.1392% | 4,338 |
| Assets per employee ($millions) | 5.4571% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 5,707 |
| Loan loss allowance to noncurrent loans | 101.0240% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 4,108 |
| Noncurrent loans to loans | 1.0559% | 4,877 |
| Net loans and leases to total assets | 80.7276% | 1,249 |
| Net loans and leases to deposits | 95.7065% | 1,990 |
| Net loans and leases to core deposits | 118.9454% | 2,508 |
| Total domestic deposits to total assets | 84.3491% | 3,535 |
| Equity capital to assets | 9.6612% | 4,437 |
| Core capital (leverage) ratio | 9.9030% | 3,514 |
| Tier 1 risk-based capital ratio | 10.7269% | 6,159 |
| Total risk-based capital ratio | 11.6956% | 6,360 |
| Memoranda: | ||
| Average total assets | $288,327,500 | 2,344 |
| Average earning assets | $270,810,000 | 2,286 |
| Average equity | $28,120,500 | 2,408 |
| Average total loans | $240,985,000 | 2,019 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7119% | 1,987 |
| Cost of funding earning assets | 2.3246% | 5,040 |
| Net interest margin | 4.3873% | 1,726 |
| Noninterest income to average assets | 0.4901% | 4,687 |
| Noninterest expense to average assets | 3.1792% | 3,417 |
| Loan and lease loss provision to assets | 0.3225% | 3,794 |
| Net operating income to assets | 1.1010% | 2,143 |
| Return on assets (ROA) | 1.1272% | 1,958 |
| Pretax return on assets | 1.1272% | 2,930 |
| Return on Equity (ROE) | 11.1617% | 1,856 |
| Retained earnings to average equity (ytd only) | 6.3346% | 1,384 |
| Net charge-offs to loans | 0.1969% | 4,225 |
| Credit loss provision to net charge-offs | 192.3937% | 2,550 |
| Earnings coverage of net charge-offs (x) | 8.4922% | 2,872 |
| Efficiency ratio | 69.0728% | 4,517 |
| Assets per employee ($millions) | 5.3202% | 1,624 |
| Cash dividends to net income (ytd only)* | 43.2468% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 5,884 |
| Loan loss allowance to noncurrent loans | 97.1474% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 4,339 |
| Noncurrent loans to loans | 1.0451% | 4,487 |
| Net loans and leases to total assets | 84.7824% | 765 |
| Net loans and leases to deposits | 100.9885% | 1,708 |
| Net loans and leases to core deposits | 120.2417% | 2,658 |
| Total domestic deposits to total assets | 83.9525% | 3,346 |
| Equity capital to assets | 9.8489% | 4,226 |
| Core capital (leverage) ratio | 9.9787% | 3,470 |
| Tier 1 risk-based capital ratio | 10.5100% | 6,202 |
| Total risk-based capital ratio | 11.4380% | 6,397 |
| Memoranda: | ||
| Average total assets | $266,666,800 | 2,405 |
| Average earning assets | $249,973,600 | 2,370 |
| Average equity | $26,931,400 | 2,483 |
| Average total loans | $227,036,400 | 2,070 |