Home > BlueRidge Bank > Performance and Condition Ratios
BlueRidge 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 | 4.1418% | 2,767 |
| Cost of funding earning assets | 0.6563% | 1,035 |
| Net interest margin | 3.4855% | 3,571 |
| Noninterest income to average assets | 0.0789% | 5,925 |
| Noninterest expense to average assets | 2.7916% | 3,264 |
| Loan and lease loss provision to assets | 0.0581% | 3,150 |
| Net operating income to assets | 0.3425% | 5,233 |
| Return on assets (ROA) | 0.3409% | 5,329 |
| Pretax return on assets | 0.6368% | 4,712 |
| Return on Equity (ROE) | 4.2254% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.2254% | 2,978 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0139% | 1,675 |
| Assets per employee ($millions) | 7.9640% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 4,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 86.2687% | 213 |
| Net loans and leases to deposits | 102.7234% | 502 |
| Net loans and leases to core deposits | 128.3646% | 294 |
| Total domestic deposits to total assets | 83.9815% | 3,486 |
| Equity capital to assets | 7.9027% | 5,888 |
| Core capital (leverage) ratio | 7.9974% | 5,838 |
| Tier 1 risk-based capital ratio | 8.8505% | 6,113 |
| Total risk-based capital ratio | 9.8563% | 6,123 |
| Memoranda: | ||
| Average total assets | $206,510,600 | 2,886 |
| Average earning assets | $202,036,400 | 2,761 |
| Average equity | $16,661,000 | 3,574 |
| Average total loans | $177,299,400 | 2,270 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 2,744 |
| Cost of funding earning assets | 0.6621% | 1,020 |
| Net interest margin | 3.4889% | 3,584 |
| Noninterest income to average assets | 0.0711% | 6,042 |
| Noninterest expense to average assets | 2.7053% | 3,546 |
| Loan and lease loss provision to assets | 0.0783% | 2,610 |
| Net operating income to assets | 0.4111% | 5,125 |
| Return on assets (ROA) | 0.4090% | 5,222 |
| Pretax return on assets | 0.6941% | 4,699 |
| Return on Equity (ROE) | 5.0427% | 4,607 |
| Retained earnings to average equity (ytd only) | 5.0427% | 2,883 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7174% | 1,988 |
| Assets per employee ($millions) | 7.4899% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 4,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 86.1714% | 220 |
| Net loans and leases to deposits | 97.1785% | 890 |
| Net loans and leases to core deposits | 120.4460% | 455 |
| Total domestic deposits to total assets | 88.6733% | 1,187 |
| Equity capital to assets | 8.0733% | 5,934 |
| Core capital (leverage) ratio | 8.0869% | 5,854 |
| Tier 1 risk-based capital ratio | 9.2835% | 6,170 |
| Total risk-based capital ratio | 10.3450% | 6,170 |
| Memoranda: | ||
| Average total assets | $204,381,500 | 2,934 |
| Average earning assets | $199,750,750 | 2,803 |
| Average equity | $16,578,000 | 3,612 |
| Average total loans | $174,770,500 | 2,313 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 2,909 |
| Cost of funding earning assets | 0.6726% | 979 |
| Net interest margin | 3.4236% | 3,816 |
| Noninterest income to average assets | 0.0691% | 6,112 |
| Noninterest expense to average assets | 2.7571% | 3,389 |
| Loan and lease loss provision to assets | 0.0474% | 3,174 |
| Net operating income to assets | 0.3556% | 5,273 |
| Return on assets (ROA) | 0.3524% | 5,399 |
| Pretax return on assets | 0.6012% | 4,971 |
| Return on Equity (ROE) | 4.3377% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.3377% | 3,261 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8394% | 1,644 |
| Assets per employee ($millions) | 7.3249% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 84.6560% | 326 |
| Net loans and leases to deposits | 96.1230% | 951 |
| Net loans and leases to core deposits | 119.7842% | 473 |
| Total domestic deposits to total assets | 88.0705% | 1,617 |
| Equity capital to assets | 8.1128% | 5,928 |
| Core capital (leverage) ratio | 7.9654% | 5,948 |
| Tier 1 risk-based capital ratio | 9.2180% | 6,237 |
| Total risk-based capital ratio | 10.2521% | 6,238 |
| Memoranda: | ||
| Average total assets | $202,603,000 | 2,967 |
| Average earning assets | $197,746,000 | 2,841 |
| Average equity | $16,460,330 | 3,649 |
| Average total loans | $172,150,670 | 2,349 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,051 |
| Cost of funding earning assets | 0.6603% | 1,047 |
| Net interest margin | 3.3889% | 3,886 |
| Noninterest income to average assets | 0.0735% | 6,167 |
| Noninterest expense to average assets | 2.6997% | 3,590 |
| Loan and lease loss provision to assets | 0.0854% | 2,267 |
| Net operating income to assets | 0.3441% | 5,267 |
| Return on assets (ROA) | 0.3377% | 5,402 |
| Pretax return on assets | 0.5821% | 4,966 |
| Return on Equity (ROE) | 4.1537% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.1537% | 3,513 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9412% | 1,904 |
| Assets per employee ($millions) | 7.2000% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 4,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 84.2208% | 296 |
| Net loans and leases to deposits | 96.2152% | 816 |
| Net loans and leases to core deposits | 116.8001% | 497 |
| Total domestic deposits to total assets | 87.5338% | 2,088 |
| Equity capital to assets | 8.1701% | 5,953 |
| Core capital (leverage) ratio | 8.1279% | 5,866 |
| Tier 1 risk-based capital ratio | 9.1845% | 6,303 |
| Total risk-based capital ratio | 10.2332% | 6,310 |
| Memoranda: | ||
| Average total assets | $201,356,500 | 2,997 |
| Average earning assets | $196,286,000 | 2,879 |
| Average equity | $16,371,000 | 3,682 |
| Average total loans | $170,492,000 | 2,362 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,329 |
| Cost of funding earning assets | 0.6391% | 1,482 |
| Net interest margin | 3.4607% | 3,937 |
| Noninterest income to average assets | 0.0623% | 6,266 |
| Noninterest expense to average assets | 3.0342% | 2,741 |
| Loan and lease loss provision to assets | 0.0140% | 4,335 |
| Net operating income to assets | 0.2178% | 5,734 |
| Return on assets (ROA) | 0.2171% | 5,792 |
| Pretax return on assets | 0.3891% | 5,509 |
| Return on Equity (ROE) | 2.5257% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.5257% | 4,443 |
| Net charge-offs to loans | 0.0039% | 4,872 |
| Credit loss provision to net charge-offs | 433.3333% | 600 |
| Earnings coverage of net charge-offs (x) | 125.3333% | 423 |
| Efficiency ratio | 88.2445% | 974 |
| Assets per employee ($millions) | 7.4486% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 4,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 83.3183% | 397 |
| Net loans and leases to deposits | 95.6082% | 933 |
| Net loans and leases to core deposits | 114.2504% | 594 |
| Total domestic deposits to total assets | 87.1455% | 2,196 |
| Equity capital to assets | 8.0905% | 6,013 |
| Core capital (leverage) ratio | 7.8521% | 6,077 |
| Tier 1 risk-based capital ratio | 9.2663% | 6,385 |
| Total risk-based capital ratio | 10.3539% | 6,381 |
| Memoranda: | ||
| Average total assets | $186,048,600 | 3,150 |
| Average earning assets | $181,494,200 | 3,020 |
| Average equity | $15,995,600 | 3,667 |
| Average total loans | $152,351,800 | 2,547 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 3,440 |
| Cost of funding earning assets | 0.6273% | 1,620 |
| Net interest margin | 3.4570% | 3,992 |
| Noninterest income to average assets | 0.0695% | 6,331 |
| Noninterest expense to average assets | 3.0699% | 2,563 |
| Loan and lease loss provision to assets | 0.0190% | 4,027 |
| Net operating income to assets | 0.2116% | 5,831 |
| Return on assets (ROA) | 0.2107% | 5,881 |
| Pretax return on assets | 0.3533% | 5,669 |
| Return on Equity (ROE) | 2.4110% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.4110% | 4,850 |
| Net charge-offs to loans | 0.0054% | 4,507 |
| Credit loss provision to net charge-offs | 433.3333% | 656 |
| Earnings coverage of net charge-offs (x) | 85.1650% | 663 |
| Efficiency ratio | 89.1461% | 913 |
| Assets per employee ($millions) | 6.2956% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 4,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 81.0475% | 600 |
| Net loans and leases to deposits | 90.7696% | 1,354 |
| Net loans and leases to core deposits | 105.1304% | 1,012 |
| Total domestic deposits to total assets | 89.2893% | 1,080 |
| Equity capital to assets | 8.5203% | 5,783 |
| Core capital (leverage) ratio | 7.9565% | 6,100 |
| Tier 1 risk-based capital ratio | 9.4448% | 6,445 |
| Total risk-based capital ratio | 10.5983% | 6,433 |
| Memoranda: | ||
| Average total assets | $182,282,750 | 3,209 |
| Average earning assets | $177,912,750 | 3,095 |
| Average equity | $15,926,750 | 3,701 |
| Average total loans | $148,100,500 | 2,614 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 3,488 |
| Cost of funding earning assets | 0.6166% | 1,762 |
| Net interest margin | 3.4468% | 3,994 |
| Noninterest income to average assets | 0.0644% | 6,398 |
| Noninterest expense to average assets | 2.9497% | 2,999 |
| Loan and lease loss provision to assets | 0.0289% | 3,699 |
| Net operating income to assets | 0.2702% | 5,668 |
| Return on assets (ROA) | 0.2688% | 5,742 |
| Pretax return on assets | 0.4487% | 5,426 |
| Return on Equity (ROE) | 3.0495% | 5,514 |
| Retained earnings to average equity (ytd only) | 3.0495% | 4,266 |
| Net charge-offs to loans | 0.0082% | 4,116 |
| Credit loss provision to net charge-offs | 433.3333% | 650 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 720 |
| Efficiency ratio | 86.0104% | 1,269 |
| Assets per employee ($millions) | 6.0046% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 4,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 81.0334% | 571 |
| Net loans and leases to deposits | 92.2496% | 1,119 |
| Net loans and leases to core deposits | 106.2472% | 881 |
| Total domestic deposits to total assets | 87.8415% | 2,004 |
| Equity capital to assets | 8.9037% | 5,405 |
| Core capital (leverage) ratio | 8.1599% | 5,970 |
| Tier 1 risk-based capital ratio | 10.1641% | 6,342 |
| Total risk-based capital ratio | 11.3963% | 6,309 |
| Memoranda: | ||
| Average total assets | $180,088,000 | 3,250 |
| Average earning assets | $175,816,670 | 3,131 |
| Average equity | $15,871,670 | 3,713 |
| Average total loans | $145,845,330 | 2,642 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,608 |
| Cost of funding earning assets | 0.6211% | 1,799 |
| Net interest margin | 3.3969% | 4,129 |
| Noninterest income to average assets | 0.0467% | 6,489 |
| Noninterest expense to average assets | 2.7590% | 3,718 |
| Loan and lease loss provision to assets | 0.0156% | 3,624 |
| Net operating income to assets | 0.3538% | 5,299 |
| Return on assets (ROA) | 0.3510% | 5,364 |
| Pretax return on assets | 0.5842% | 4,885 |
| Return on Equity (ROE) | 4.0030% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.0030% | 3,712 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0343% | 1,921 |
| Assets per employee ($millions) | 6.0484% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 4,528 |
| Loan loss allowance to noncurrent loans | 218.2598% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 4,785 |
| Noncurrent loans to loans | 0.5607% | 4,480 |
| Net loans and leases to total assets | 79.2293% | 635 |
| Net loans and leases to deposits | 89.5051% | 1,204 |
| Net loans and leases to core deposits | 102.7899% | 939 |
| Total domestic deposits to total assets | 88.5193% | 1,925 |
| Equity capital to assets | 8.7681% | 5,371 |
| Core capital (leverage) ratio | 8.0732% | 6,065 |
| Tier 1 risk-based capital ratio | 10.1469% | 6,442 |
| Total risk-based capital ratio | 11.3911% | 6,402 |
| Memoranda: | ||
| Average total assets | $180,063,000 | 3,276 |
| Average earning assets | $175,808,000 | 3,150 |
| Average equity | $15,788,000 | 3,733 |
| Average total loans | $144,885,000 | 2,664 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 3,779 |
| Cost of funding earning assets | 0.6262% | 2,424 |
| Net interest margin | 3.4643% | 4,043 |
| Noninterest income to average assets | 0.0658% | 6,500 |
| Noninterest expense to average assets | 2.8329% | 3,603 |
| Loan and lease loss provision to assets | 0.1466% | 2,463 |
| Net operating income to assets | 0.2701% | 5,617 |
| Return on assets (ROA) | 0.2908% | 5,649 |
| Pretax return on assets | 0.4919% | 5,225 |
| Return on Equity (ROE) | 3.1153% | 5,464 |
| Retained earnings to average equity (ytd only) | 3.1153% | 4,018 |
| Net charge-offs to loans | 0.3549% | 1,906 |
| Credit loss provision to net charge-offs | 52.3504% | 3,760 |
| Earnings coverage of net charge-offs (x) | 2.1645% | 4,307 |
| Efficiency ratio | 82.3734% | 1,827 |
| Assets per employee ($millions) | 6.8720% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 4,497 |
| Loan loss allowance to noncurrent loans | 217.4020% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 4,872 |
| Noncurrent loans to loans | 0.5658% | 4,578 |
| Net loans and leases to total assets | 79.7272% | 622 |
| Net loans and leases to deposits | 88.2908% | 1,433 |
| Net loans and leases to core deposits | 101.8649% | 1,038 |
| Total domestic deposits to total assets | 90.3007% | 915 |
| Equity capital to assets | 8.7680% | 5,291 |
| Core capital (leverage) ratio | 8.1631% | 6,006 |
| Tier 1 risk-based capital ratio | 10.1575% | 6,469 |
| Total risk-based capital ratio | 11.3840% | 6,438 |
| Memoranda: | ||
| Average total assets | $167,108,000 | 3,457 |
| Average earning assets | $162,718,800 | 3,308 |
| Average equity | $15,600,600 | 3,764 |
| Average total loans | $131,883,200 | 2,825 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 3,832 |
| Cost of funding earning assets | 0.6219% | 2,631 |
| Net interest margin | 3.4620% | 4,047 |
| Noninterest income to average assets | 0.0666% | 6,582 |
| Noninterest expense to average assets | 2.8742% | 3,394 |
| Loan and lease loss provision to assets | 0.1429% | 2,499 |
| Net operating income to assets | 0.2513% | 5,776 |
| Return on assets (ROA) | 0.2809% | 5,786 |
| Pretax return on assets | 0.4628% | 5,467 |
| Return on Equity (ROE) | 2.9602% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.9602% | 4,554 |
| Net charge-offs to loans | 0.0652% | 3,982 |
| Credit loss provision to net charge-offs | 279.3651% | 917 |
| Earnings coverage of net charge-offs (x) | 10.9362% | 2,298 |
| Efficiency ratio | 83.7077% | 1,642 |
| Assets per employee ($millions) | 7.0142% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 3,172 |
| Loan loss allowance to noncurrent loans | 172.8092% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 4,373 |
| Noncurrent loans to loans | 0.9046% | 4,011 |
| Net loans and leases to total assets | 75.7702% | 1,037 |
| Net loans and leases to deposits | 83.2598% | 1,969 |
| Net loans and leases to core deposits | 95.8927% | 1,402 |
| Total domestic deposits to total assets | 91.0045% | 531 |
| Equity capital to assets | 8.8666% | 5,337 |
| Core capital (leverage) ratio | 8.5011% | 5,772 |
| Tier 1 risk-based capital ratio | 10.6208% | 6,419 |
| Total risk-based capital ratio | 11.8750% | 6,387 |
| Memoranda: | ||
| Average total assets | $164,216,750 | 3,529 |
| Average earning assets | $159,711,000 | 3,380 |
| Average equity | $15,584,250 | 3,815 |
| Average total loans | $128,797,750 | 2,901 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 3,662 |
| Cost of funding earning assets | 0.6204% | 2,768 |
| Net interest margin | 3.4985% | 3,787 |
| Noninterest income to average assets | 0.0660% | 6,620 |
| Noninterest expense to average assets | 2.9731% | 3,082 |
| Loan and lease loss provision to assets | 0.1533% | 2,400 |
| Net operating income to assets | 0.2087% | 5,864 |
| Return on assets (ROA) | 0.2542% | 5,893 |
| Pretax return on assets | 0.4187% | 5,593 |
| Return on Equity (ROE) | 2.6160% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.6160% | 4,647 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5811% | 1,459 |
| Assets per employee ($millions) | 6.4576% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 3,063 |
| Loan loss allowance to noncurrent loans | 140.9574% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 3,920 |
| Noncurrent loans to loans | 1.1546% | 3,624 |
| Net loans and leases to total assets | 79.3713% | 597 |
| Net loans and leases to deposits | 87.9102% | 1,347 |
| Net loans and leases to core deposits | 98.1712% | 1,200 |
| Total domestic deposits to total assets | 90.2868% | 870 |
| Equity capital to assets | 9.5769% | 4,484 |
| Core capital (leverage) ratio | 8.6143% | 5,537 |
| Tier 1 risk-based capital ratio | 10.8581% | 6,395 |
| Total risk-based capital ratio | 12.1136% | 6,363 |
| Memoranda: | ||
| Average total assets | $160,504,330 | 3,600 |
| Average earning assets | $156,352,330 | 3,456 |
| Average equity | $15,596,330 | 3,837 |
| Average total loans | $126,738,330 | 2,943 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 4,009 |
| Cost of funding earning assets | 0.6078% | 3,035 |
| Net interest margin | 3.4184% | 4,051 |
| Noninterest income to average assets | 0.0450% | 6,750 |
| Noninterest expense to average assets | 2.8344% | 3,587 |
| Loan and lease loss provision to assets | 0.0900% | 3,161 |
| Net operating income to assets | 0.2678% | 5,670 |
| Return on assets (ROA) | 0.2774% | 5,762 |
| Pretax return on assets | 0.4674% | 5,366 |
| Return on Equity (ROE) | 2.8345% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.8345% | 4,581 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9378% | 1,777 |
| Assets per employee ($millions) | 6.1667% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 3,482 |
| Loan loss allowance to noncurrent loans | 135.1729% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9380% | 4,053 |
| Noncurrent loans to loans | 1.1693% | 3,820 |
| Net loans and leases to total assets | 78.9509% | 516 |
| Net loans and leases to deposits | 88.5421% | 1,091 |
| Net loans and leases to core deposits | 94.9041% | 1,274 |
| Total domestic deposits to total assets | 89.1677% | 1,589 |
| Equity capital to assets | 9.7801% | 4,454 |
| Core capital (leverage) ratio | 8.8413% | 5,133 |
| Tier 1 risk-based capital ratio | 10.8348% | 6,473 |
| Total risk-based capital ratio | 12.0875% | 6,446 |
| Memoranda: | ||
| Average total assets | $160,036,500 | 3,646 |
| Average earning assets | $155,980,500 | 3,501 |
| Average equity | $15,664,000 | 3,880 |
| Average total loans | $124,979,000 | 2,990 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 5,075 |
| Cost of funding earning assets | 0.9475% | 1,657 |
| Net interest margin | 3.1190% | 5,768 |
| Noninterest income to average assets | 0.0496% | 6,691 |
| Noninterest expense to average assets | 2.7646% | 4,164 |
| Loan and lease loss provision to assets | 0.1631% | 3,574 |
| Net operating income to assets | 0.8155% | 3,216 |
| Return on assets (ROA) | 0.7954% | 3,552 |
| Pretax return on assets | 0.1600% | 6,053 |
| Return on Equity (ROE) | 8.7487% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.7487% | 896 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9584% | 1,150 |
| Assets per employee ($millions) | 6.9451% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 3,131 |
| Loan loss allowance to noncurrent loans | 132.7793% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 4,148 |
| Noncurrent loans to loans | 1.2395% | 3,775 |
| Net loans and leases to total assets | 74.7111% | 1,091 |
| Net loans and leases to deposits | 82.9276% | 1,885 |
| Net loans and leases to core deposits | 89.0094% | 1,965 |
| Total domestic deposits to total assets | 90.0919% | 904 |
| Equity capital to assets | 9.7954% | 4,456 |
| Core capital (leverage) ratio | 8.4524% | 5,693 |
| Tier 1 risk-based capital ratio | 11.3022% | 6,212 |
| Total risk-based capital ratio | 12.5568% | 6,178 |
| Memoranda: | ||
| Average total assets | $159,408,800 | 3,628 |
| Average earning assets | $156,302,000 | 3,437 |
| Average equity | $14,493,600 | 4,067 |
| Average total loans | $111,949,400 | 3,252 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 5,428 |
| Cost of funding earning assets | 0.9960% | 1,582 |
| Net interest margin | 3.0375% | 6,088 |
| Noninterest income to average assets | 0.0443% | 6,825 |
| Noninterest expense to average assets | 2.7674% | 4,099 |
| Loan and lease loss provision to assets | 0.1757% | 3,377 |
| Net operating income to assets | 0.0845% | 6,150 |
| Return on assets (ROA) | 0.0586% | 6,336 |
| Pretax return on assets | 0.0586% | 6,323 |
| Return on Equity (ROE) | 0.6570% | 6,313 |
| Retained earnings to average equity (ytd only) | 0.6570% | 5,891 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4041% | 929 |
| Assets per employee ($millions) | 6.8213% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 3,378 |
| Loan loss allowance to noncurrent loans | 138.5765% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 4,579 |
| Noncurrent loans to loans | 1.1816% | 4,087 |
| Net loans and leases to total assets | 71.4424% | 1,658 |
| Net loans and leases to deposits | 78.5313% | 2,596 |
| Net loans and leases to core deposits | 84.7603% | 2,609 |
| Total domestic deposits to total assets | 90.9731% | 418 |
| Equity capital to assets | 8.8772% | 5,947 |
| Core capital (leverage) ratio | 8.4808% | 5,777 |
| Tier 1 risk-based capital ratio | 11.6042% | 6,167 |
| Total risk-based capital ratio | 12.8586% | 6,138 |
| Memoranda: | ||
| Average total assets | $159,326,500 | 3,672 |
| Average earning assets | $156,484,250 | 3,476 |
| Average equity | $14,205,250 | 4,162 |
| Average total loans | $109,602,000 | 3,332 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 5,639 |
| Cost of funding earning assets | 1.0234% | 1,623 |
| Net interest margin | 2.9760% | 6,285 |
| Noninterest income to average assets | 0.0456% | 6,875 |
| Noninterest expense to average assets | 2.8100% | 3,981 |
| Loan and lease loss provision to assets | 0.1242% | 3,970 |
| Net operating income to assets | 0.0329% | 6,279 |
| Return on assets (ROA) | 0.0228% | 6,432 |
| Pretax return on assets | 0.0228% | 6,420 |
| Return on Equity (ROE) | 0.2554% | 6,428 |
| Retained earnings to average equity (ytd only) | 0.2554% | 5,959 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7054% | 771 |
| Assets per employee ($millions) | 7.1965% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 3,438 |
| Loan loss allowance to noncurrent loans | 130.6050% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 4,684 |
| Noncurrent loans to loans | 1.2600% | 4,029 |
| Net loans and leases to total assets | 66.2577% | 2,618 |
| Net loans and leases to deposits | 72.6506% | 3,507 |
| Net loans and leases to core deposits | 77.7502% | 3,554 |
| Total domestic deposits to total assets | 91.2004% | 383 |
| Equity capital to assets | 8.6371% | 6,089 |
| Core capital (leverage) ratio | 8.4161% | 5,767 |
| Tier 1 risk-based capital ratio | 11.8393% | 6,034 |
| Total risk-based capital ratio | 13.0938% | 5,998 |
| Memoranda: | ||
| Average total assets | $157,865,000 | 3,703 |
| Average earning assets | $154,974,000 | 3,518 |
| Average equity | $14,096,000 | 4,179 |
| Average total loans | $106,500,670 | 3,414 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 5,702 |
| Cost of funding earning assets | 1.0503% | 1,672 |
| Net interest margin | 2.9684% | 6,361 |
| Noninterest income to average assets | 0.0441% | 6,961 |
| Noninterest expense to average assets | 2.7500% | 4,243 |
| Loan and lease loss provision to assets | 0.1428% | 3,571 |
| Net operating income to assets | 0.0208% | 6,380 |
| Return on assets (ROA) | 0.0208% | 6,491 |
| Pretax return on assets | 0.0649% | 6,431 |
| Return on Equity (ROE) | 0.2286% | 6,485 |
| Retained earnings to average equity (ytd only) | 0.2286% | 5,908 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9763% | 885 |
| Assets per employee ($millions) | 7.0819% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 3,372 |
| Loan loss allowance to noncurrent loans | 126.9122% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9063% | 4,707 |
| Noncurrent loans to loans | 1.3355% | 4,116 |
| Net loans and leases to total assets | 66.7107% | 2,347 |
| Net loans and leases to deposits | 73.4245% | 3,208 |
| Net loans and leases to core deposits | 78.4707% | 3,266 |
| Total domestic deposits to total assets | 90.8563% | 617 |
| Equity capital to assets | 9.0308% | 5,444 |
| Core capital (leverage) ratio | 8.7325% | 5,243 |
| Tier 1 risk-based capital ratio | 12.1893% | 5,830 |
| Total risk-based capital ratio | 13.4441% | 5,802 |
| Memoranda: | ||
| Average total assets | $154,038,000 | 3,803 |
| Average earning assets | $151,195,000 | 3,591 |
| Average equity | $13,996,000 | 4,205 |
| Average total loans | $103,999,000 | 3,501 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 5,983 |
| Cost of funding earning assets | 1.2443% | 1,767 |
| Net interest margin | 2.9831% | 6,556 |
| Noninterest income to average assets | 0.0600% | 6,799 |
| Noninterest expense to average assets | 2.7954% | 4,366 |
| Loan and lease loss provision to assets | 0.2230% | 3,972 |
| Net operating income to assets | -0.0534% | 6,111 |
| Return on assets (ROA) | 0.0219% | 6,116 |
| Pretax return on assets | 0.0797% | 6,000 |
| Return on Equity (ROE) | 0.2185% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.2185% | 5,731 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7929% | 934 |
| Assets per employee ($millions) | 6.6207% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 3,210 |
| Loan loss allowance to noncurrent loans | 115.5689% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 4,637 |
| Noncurrent loans to loans | 1.4696% | 3,956 |
| Net loans and leases to total assets | 66.0207% | 2,781 |
| Net loans and leases to deposits | 72.7604% | 3,699 |
| Net loans and leases to core deposits | 78.6317% | 3,613 |
| Total domestic deposits to total assets | 90.7372% | 608 |
| Equity capital to assets | 9.1427% | 5,362 |
| Core capital (leverage) ratio | 8.9530% | 4,855 |
| Tier 1 risk-based capital ratio | 12.3886% | 5,547 |
| Total risk-based capital ratio | 13.6434% | 5,516 |
| Memoranda: | ||
| Average total assets | $136,758,600 | 4,035 |
| Average earning assets | $133,885,800 | 3,856 |
| Average equity | $13,728,800 | 4,182 |
| Average total loans | $92,161,600 | 3,806 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 5,923 |
| Cost of funding earning assets | 1.2606% | 1,930 |
| Net interest margin | 3.0475% | 6,498 |
| Noninterest income to average assets | 0.0642% | 6,901 |
| Noninterest expense to average assets | 2.7774% | 4,428 |
| Loan and lease loss provision to assets | 0.1485% | 4,591 |
| Net operating income to assets | 0.1194% | 5,920 |
| Return on assets (ROA) | 0.1194% | 6,033 |
| Pretax return on assets | 0.1194% | 6,060 |
| Return on Equity (ROE) | 1.1598% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.1598% | 5,550 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2026% | 1,091 |
| Assets per employee ($millions) | 6.3914% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 3,529 |
| Loan loss allowance to noncurrent loans | 105.1231% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 4,636 |
| Noncurrent loans to loans | 1.5506% | 3,958 |
| Net loans and leases to total assets | 67.8103% | 2,516 |
| Net loans and leases to deposits | 75.5124% | 3,408 |
| Net loans and leases to core deposits | 82.2051% | 3,296 |
| Total domestic deposits to total assets | 89.8002% | 977 |
| Equity capital to assets | 10.0868% | 4,225 |
| Core capital (leverage) ratio | 9.6497% | 3,919 |
| Tier 1 risk-based capital ratio | 13.3652% | 4,829 |
| Total risk-based capital ratio | 14.6187% | 4,794 |
| Memoranda: | ||
| Average total assets | $132,879,500 | 4,133 |
| Average earning assets | $129,984,750 | 3,956 |
| Average equity | $13,680,500 | 4,194 |
| Average total loans | $89,634,500 | 3,904 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 5,995 |
| Cost of funding earning assets | 1.2775% | 2,073 |
| Net interest margin | 3.0315% | 6,547 |
| Noninterest income to average assets | 0.0599% | 7,005 |
| Noninterest expense to average assets | 2.8211% | 4,343 |
| Loan and lease loss provision to assets | 0.2103% | 3,812 |
| Net operating income to assets | -0.0031% | 6,229 |
| Return on assets (ROA) | 0.0215% | 6,267 |
| Pretax return on assets | 0.0215% | 6,240 |
| Return on Equity (ROE) | 0.2072% | 6,266 |
| Retained earnings to average equity (ytd only) | 0.2072% | 5,756 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1576% | 1,032 |
| Assets per employee ($millions) | 7.0127% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 3,262 |
| Loan loss allowance to noncurrent loans | 104.3912% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 4,637 |
| Noncurrent loans to loans | 1.6468% | 3,939 |
| Net loans and leases to total assets | 67.3216% | 2,755 |
| Net loans and leases to deposits | 75.1659% | 3,621 |
| Net loans and leases to core deposits | 82.0272% | 3,499 |
| Total domestic deposits to total assets | 89.5640% | 1,208 |
| Equity capital to assets | 10.3189% | 3,724 |
| Core capital (leverage) ratio | 9.8484% | 3,457 |
| Tier 1 risk-based capital ratio | 13.7214% | 4,366 |
| Total risk-based capital ratio | 14.9721% | 4,340 |
| Memoranda: | ||
| Average total assets | $130,302,670 | 4,229 |
| Average earning assets | $127,594,670 | 4,036 |
| Average equity | $13,513,000 | 4,221 |
| Average total loans | $87,203,330 | 4,009 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 6,283 |
| Cost of funding earning assets | 1.3012% | 2,161 |
| Net interest margin | 2.8975% | 6,767 |
| Noninterest income to average assets | 0.0559% | 7,113 |
| Noninterest expense to average assets | 2.7353% | 4,697 |
| Loan and lease loss provision to assets | 0.4254% | 2,059 |
| Net operating income to assets | -0.2701% | 6,630 |
| Return on assets (ROA) | -0.2453% | 6,618 |
| Pretax return on assets | -0.2453% | 6,576 |
| Return on Equity (ROE) | -2.3591% | 6,621 |
| Retained earnings to average equity (ytd only) | -2.3591% | 6,203 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6294% | 1,006 |
| Assets per employee ($millions) | 7.7612% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 3,262 |
| Loan loss allowance to noncurrent loans | 104.3912% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.1392% | 4,658 |
| Noncurrent loans to loans | 1.6515% | 4,003 |
| Net loans and leases to total assets | 67.7869% | 2,597 |
| Net loans and leases to deposits | 75.5401% | 3,486 |
| Net loans and leases to core deposits | 82.4693% | 3,386 |
| Total domestic deposits to total assets | 89.7362% | 1,331 |
| Equity capital to assets | 10.1463% | 3,597 |
| Core capital (leverage) ratio | 9.7805% | 3,411 |
| Tier 1 risk-based capital ratio | 13.5233% | 4,409 |
| Total risk-based capital ratio | 14.7788% | 4,372 |
| Memoranda: | ||
| Average total assets | $128,833,500 | 4,283 |
| Average earning assets | $126,039,500 | 4,106 |
| Average equity | $13,395,000 | 4,244 |
| Average total loans | $85,170,500 | 4,103 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 6,960 |
| Cost of funding earning assets | 1.5045% | 2,611 |
| Net interest margin | 2.6720% | 7,145 |
| Noninterest income to average assets | 0.0474% | 7,121 |
| Noninterest expense to average assets | 3.4990% | 2,181 |
| Loan and lease loss provision to assets | 0.4344% | 3,515 |
| Net operating income to assets | -1.0570% | 6,717 |
| Return on assets (ROA) | -1.0889% | 6,761 |
| Pretax return on assets | -1.3535% | 6,801 |
| Return on Equity (ROE) | -8.1357% | 6,634 |
| Retained earnings to average equity (ytd only) | -8.1357% | 6,546 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5626% | 290 |
| Assets per employee ($millions) | 6.9848% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8050% | 2,844 |
| Loan loss allowance to noncurrent loans | 96.6262% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 4,654 |
| Noncurrent loans to loans | 1.8681% | 3,729 |
| Net loans and leases to total assets | 61.9612% | 4,296 |
| Net loans and leases to deposits | 69.4444% | 4,889 |
| Net loans and leases to core deposits | 76.3154% | 4,656 |
| Total domestic deposits to total assets | 89.2243% | 1,528 |
| Equity capital to assets | 10.6604% | 3,009 |
| Core capital (leverage) ratio | 10.0764% | 2,992 |
| Tier 1 risk-based capital ratio | 14.9403% | 3,284 |
| Total risk-based capital ratio | 16.1658% | 3,248 |
| Memoranda: | ||
| Average total assets | $105,430,800 | 4,839 |
| Average earning assets | $101,495,800 | 4,687 |
| Average equity | $14,110,600 | 4,118 |
| Average total loans | $68,835,200 | 4,725 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 7,006 |
| Cost of funding earning assets | 1.5290% | 2,778 |
| Net interest margin | 2.7402% | 7,191 |
| Noninterest income to average assets | 0.0438% | 7,303 |
| Noninterest expense to average assets | 3.6721% | 1,631 |
| Loan and lease loss provision to assets | 0.3786% | 3,616 |
| Net operating income to assets | -1.0942% | 6,946 |
| Return on assets (ROA) | -1.1372% | 6,991 |
| Pretax return on assets | -1.4375% | 7,028 |
| Return on Equity (ROE) | -7.9881% | 6,832 |
| Retained earnings to average equity (ytd only) | -7.9881% | 6,767 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.6494% | 259 |
| Assets per employee ($millions) | 6.3524% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 3,210 |
| Loan loss allowance to noncurrent loans | 83.7658% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.3145% | 4,518 |
| Noncurrent loans to loans | 2.0090% | 3,663 |
| Net loans and leases to total assets | 64.3275% | 4,058 |
| Net loans and leases to deposits | 73.4394% | 4,605 |
| Net loans and leases to core deposits | 80.4678% | 4,455 |
| Total domestic deposits to total assets | 87.5926% | 2,214 |
| Equity capital to assets | 12.2946% | 1,977 |
| Core capital (leverage) ratio | 12.3480% | 1,483 |
| Tier 1 risk-based capital ratio | 17.5752% | 2,147 |
| Total risk-based capital ratio | 18.8307% | 2,119 |
| Memoranda: | ||
| Average total assets | $100,356,750 | 5,036 |
| Average earning assets | $96,098,000 | 4,887 |
| Average equity | $14,287,500 | 4,139 |
| Average total loans | $66,210,500 | 4,891 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 6,815 |
| Cost of funding earning assets | 1.5670% | 2,856 |
| Net interest margin | 2.8783% | 7,033 |
| Noninterest income to average assets | 0.0418% | 7,370 |
| Noninterest expense to average assets | 3.8100% | 1,346 |
| Loan and lease loss provision to assets | 0.4619% | 3,008 |
| Net operating income to assets | -1.2080% | 7,033 |
| Return on assets (ROA) | -1.2080% | 7,050 |
| Pretax return on assets | -1.5006% | 7,077 |
| Return on Equity (ROE) | -8.0479% | 6,893 |
| Retained earnings to average equity (ytd only) | -8.0479% | 6,818 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.4811% | 264 |
| Assets per employee ($millions) | 6.0002% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 3,069 |
| Loan loss allowance to noncurrent loans | 79.5077% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4735% | 4,255 |
| Noncurrent loans to loans | 2.1403% | 3,540 |
| Net loans and leases to total assets | 67.6728% | 3,461 |
| Net loans and leases to deposits | 78.7050% | 3,852 |
| Net loans and leases to core deposits | 84.7096% | 4,037 |
| Total domestic deposits to total assets | 85.9829% | 3,105 |
| Equity capital to assets | 13.9044% | 1,203 |
| Core capital (leverage) ratio | 13.6554% | 1,015 |
| Tier 1 risk-based capital ratio | 19.2463% | 1,665 |
| Total risk-based capital ratio | 20.4451% | 1,639 |
| Memoranda: | ||
| Average total assets | $95,694,670 | 5,201 |
| Average earning assets | $90,749,330 | 5,068 |
| Average equity | $14,364,000 | 4,122 |
| Average total loans | $63,343,000 | 5,037 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 5,727 |
| Cost of funding earning assets | 1.6241% | 2,807 |
| Net interest margin | 3.2158% | 6,245 |
| Noninterest income to average assets | 0.0475% | 7,476 |
| Noninterest expense to average assets | 3.5444% | 1,864 |
| Loan and lease loss provision to assets | 0.6138% | 2,071 |
| Net operating income to assets | -0.9423% | 7,076 |
| Return on assets (ROA) | -0.9423% | 7,101 |
| Pretax return on assets | -1.1152% | 7,105 |
| Return on Equity (ROE) | -6.0327% | 6,942 |
| Retained earnings to average equity (ytd only) | -6.0327% | 6,663 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4773% | 487 |
| Assets per employee ($millions) | 6.0510% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 2,825 |
| Loan loss allowance to noncurrent loans | 91.4754% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 4,654 |
| Noncurrent loans to loans | 1.9361% | 3,879 |
| Net loans and leases to total assets | 63.9336% | 4,346 |
| Net loans and leases to deposits | 75.1874% | 4,548 |
| Net loans and leases to core deposits | 81.5585% | 4,550 |
| Total domestic deposits to total assets | 85.0324% | 3,660 |
| Equity capital to assets | 14.8622% | 917 |
| Core capital (leverage) ratio | 14.6946% | 805 |
| Tier 1 risk-based capital ratio | 22.8713% | 1,095 |
| Total risk-based capital ratio | 24.1284% | 1,066 |
| Memoranda: | ||
| Average total assets | $92,540,000 | 5,365 |
| Average earning assets | $86,200,000 | 5,301 |
| Average equity | $14,454,500 | 4,135 |
| Average total loans | $59,902,500 | 5,253 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 7,293 |
| Cost of funding earning assets | 1.6430% | 4,833 |
| Net interest margin | 2.9503% | 6,753 |
| Noninterest income to average assets | 0.3075% | 5,885 |
| Noninterest expense to average assets | 4.4648% | 823 |
| Loan and lease loss provision to assets | 0.6762% | 3,116 |
| Net operating income to assets | -2.2302% | 7,173 |
| Return on assets (ROA) | -2.2302% | 7,176 |
| Pretax return on assets | -2.2227% | 7,030 |
| Return on Equity (ROE) | -9.8665% | 6,616 |
| Retained earnings to average equity (ytd only) | -9.8665% | 6,509 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.9923% | 297 |
| Assets per employee ($millions) | 5.8843% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 2,851 |
| Loan loss allowance to noncurrent loans | 79.8361% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.3822% | 4,345 |
| Noncurrent loans to loans | 2.1482% | 3,456 |
| Net loans and leases to total assets | 63.2387% | 4,764 |
| Net loans and leases to deposits | 75.7992% | 4,774 |
| Net loans and leases to core deposits | 117.2651% | 2,202 |
| Total domestic deposits to total assets | 83.4293% | 4,314 |
| Equity capital to assets | 16.4506% | 627 |
| Core capital (leverage) ratio | 18.4028% | 371 |
| Tier 1 risk-based capital ratio | 24.7561% | 872 |
| Total risk-based capital ratio | 26.0126% | 847 |
| Memoranda: | ||
| Average total assets | $66,990,000 | 6,108 |
| Average earning assets | $59,281,400 | 6,150 |
| Average equity | $15,142,200 | 4,035 |
| Average total loans | $45,986,200 | 5,836 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 7,440 |
| Cost of funding earning assets | 1.7303% | 4,741 |
| Net interest margin | 2.8481% | 6,968 |
| Noninterest income to average assets | 0.4281% | 5,064 |
| Noninterest expense to average assets | 4.8406% | 547 |
| Loan and lease loss provision to assets | 0.8323% | 2,300 |
| Net operating income to assets | -2.3241% | 7,419 |
| Return on assets (ROA) | -2.3241% | 7,409 |
| Pretax return on assets | -2.7219% | 7,425 |
| Return on Equity (ROE) | -9.3694% | 6,850 |
| Retained earnings to average equity (ytd only) | -9.3694% | 6,752 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.0293% | 257 |
| Assets per employee ($millions) | 5.0457% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 2,572 |
| Loan loss allowance to noncurrent loans | 74.2623% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.7271% | 3,772 |
| Noncurrent loans to loans | 2.3100% | 3,253 |
| Net loans and leases to total assets | 73.4810% | 2,667 |
| Net loans and leases to deposits | 102.6114% | 873 |
| Net loans and leases to core deposits | 146.0976% | 682 |
| Total domestic deposits to total assets | 71.6110% | 7,260 |
| Equity capital to assets | 21.1707% | 275 |
| Core capital (leverage) ratio | 20.7653% | 273 |
| Tier 1 risk-based capital ratio | 27.2787% | 727 |
| Total risk-based capital ratio | 28.5321% | 709 |
| Memoranda: | ||
| Average total assets | $61,671,500 | 6,321 |
| Average earning assets | $54,631,250 | 6,393 |
| Average equity | $15,297,750 | 4,044 |
| Average total loans | $43,285,000 | 6,011 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 7,784 |
| Cost of funding earning assets | 1.8552% | 4,488 |
| Net interest margin | 2.4313% | 7,548 |
| Noninterest income to average assets | 0.0613% | 7,680 |
| Noninterest expense to average assets | 4.9760% | 518 |
| Loan and lease loss provision to assets | 0.5521% | 2,810 |
| Net operating income to assets | -3.0231% | 7,679 |
| Return on assets (ROA) | -3.0231% | 7,678 |
| Pretax return on assets | -3.3094% | 7,634 |
| Return on Equity (ROE) | -11.5105% | 7,139 |
| Retained earnings to average equity (ytd only) | -11.5105% | 7,013 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.2704% | 148 |
| Assets per employee ($millions) | 4.4580% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 3,505 |
| Loan loss allowance to noncurrent loans | 55.9836% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.9548% | 3,261 |
| Noncurrent loans to loans | 2.5784% | 2,812 |
| Net loans and leases to total assets | 74.7180% | 2,514 |
| Net loans and leases to deposits | 98.6712% | 1,436 |
| Net loans and leases to core deposits | 140.4608% | 993 |
| Total domestic deposits to total assets | 75.7242% | 6,609 |
| Equity capital to assets | 24.1332% | 225 |
| Core capital (leverage) ratio | 22.3952% | 262 |
| Tier 1 risk-based capital ratio | 31.1630% | 532 |
| Total risk-based capital ratio | 32.4167% | 520 |
| Memoranda: | ||
| Average total assets | $58,682,000 | 6,488 |
| Average earning assets | $52,070,670 | 6,549 |
| Average equity | $15,412,000 | 4,036 |
| Average total loans | $40,109,000 | 6,202 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 7,965 |
| Cost of funding earning assets | 1.9455% | 4,395 |
| Net interest margin | 2.1165% | 7,842 |
| Noninterest income to average assets | 0.0704% | 7,709 |
| Noninterest expense to average assets | 5.0548% | 466 |
| Loan and lease loss provision to assets | 0.3942% | 2,965 |
| Net operating income to assets | -3.3441% | 7,895 |
| Return on assets (ROA) | -3.3441% | 7,896 |
| Pretax return on assets | -3.5482% | 7,847 |
| Return on Equity (ROE) | -12.1896% | 7,486 |
| Retained earnings to average equity (ytd only) | -12.1896% | 7,279 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 265.9259% | 115 |
| Assets per employee ($millions) | 4.3425% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 2,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.8389% | 5,522 |
| Net loans and leases to deposits | 81.6094% | 4,349 |
| Net loans and leases to core deposits | 119.3168% | 2,476 |
| Total domestic deposits to total assets | 74.5489% | 6,794 |
| Equity capital to assets | 25.3179% | 220 |
| Core capital (leverage) ratio | 25.5690% | 222 |
| Tier 1 risk-based capital ratio | 37.0939% | 380 |
| Total risk-based capital ratio | 38.3236% | 375 |
| Memoranda: | ||
| Average total assets | $56,817,000 | 6,586 |
| Average earning assets | $49,138,500 | 6,703 |
| Average equity | $15,587,000 | 4,025 |
| Average total loans | $36,505,500 | 6,412 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8971% | 8,181 |
| Cost of funding earning assets | 0.8164% | 8,118 |
| Net interest margin | 2.0807% | 8,026 |
| Noninterest income to average assets | 0.0301% | 7,981 |
| Noninterest expense to average assets | 4.8214% | 697 |
| Loan and lease loss provision to assets | 1.3090% | 1,081 |
| Net operating income to assets | -2.3918% | 7,681 |
| Return on assets (ROA) | -2.3918% | 7,648 |
| Pretax return on assets | -4.1857% | 7,923 |
| Return on Equity (ROE) | -5.9987% | 6,961 |
| Retained earnings to average equity (ytd only) | -5.9987% | 6,663 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 247.9328% | 143 |
| Assets per employee ($millions) | 3.7742% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 2,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.0989% | 4,831 |
| Net loans and leases to deposits | 94.6709% | 2,665 |
| Net loans and leases to core deposits | 154.8276% | 688 |
| Total domestic deposits to total assets | 69.8196% | 7,296 |
| Equity capital to assets | 29.8681% | 175 |
| Core capital (leverage) ratio | 33.3561% | 152 |
| Tier 1 risk-based capital ratio | 38.8732% | 359 |
| Total risk-based capital ratio | 40.1298% | 351 |
| Memoranda: | ||
| Average total assets | $39,802,000 | 7,219 |
| Average earning assets | $36,622,670 | 7,204 |
| Average equity | $15,870,000 | 3,956 |
| Average total loans | $27,252,330 | 6,883 |