Home > CapStone Bank > Performance and Condition Ratios
CapStone Bank, Performance and Condition Ratios
| 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 | 4.4907% | 1,839 |
| Cost of funding earning assets | 0.4576% | 3,343 |
| Net interest margin | 4.0331% | 1,652 |
| Noninterest income to average assets | 0.2412% | 5,426 |
| Noninterest expense to average assets | 3.3817% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2013% | 5,797 |
| Return on assets (ROA) | 0.2013% | 5,847 |
| Pretax return on assets | 0.6763% | 4,568 |
| Return on Equity (ROE) | 1.6996% | 5,870 |
| Retained earnings to average equity (ytd only) | -1.4783% | 5,796 |
| Net charge-offs to loans | -0.0094% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5840% | 1,854 |
| Assets per employee ($millions) | 7.7821% | 542 |
| Cash dividends to net income (ytd only)* | 186.9792% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,029 |
| Loan loss allowance to noncurrent loans | 259.8914% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 5,017 |
| Noncurrent loans to loans | 0.4310% | 4,851 |
| Net loans and leases to total assets | 77.5537% | 812 |
| Net loans and leases to deposits | 108.2352% | 185 |
| Net loans and leases to core deposits | 125.8874% | 228 |
| Total domestic deposits to total assets | 71.6530% | 6,378 |
| Equity capital to assets | 11.8721% | 1,958 |
| Core capital (leverage) ratio | 11.5238% | 1,948 |
| Tier 1 risk-based capital ratio | 14.4055% | 4,063 |
| Total risk-based capital ratio | 15.4929% | 4,115 |
| Memoranda: | ||
| Average total assets | $381,464,000 | 1,735 |
| Average earning assets | $361,015,500 | 1,688 |
| Average equity | $45,188,000 | 1,580 |
| Average total loans | $298,663,000 | 1,448 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 1,050 |
| Cost of funding earning assets | 0.4582% | 4,040 |
| Net interest margin | 4.4648% | 796 |
| Noninterest income to average assets | 1.5805% | 574 |
| Noninterest expense to average assets | 2.5664% | 4,563 |
| Loan and lease loss provision to assets | 0.0718% | 3,680 |
| Net operating income to assets | 2.5130% | 164 |
| Return on assets (ROA) | 2.5130% | 169 |
| Pretax return on assets | 3.1482% | 103 |
| Return on Equity (ROE) | 21.3463% | 219 |
| Retained earnings to average equity (ytd only) | 21.3463% | 70 |
| Net charge-offs to loans | 0.2294% | 2,627 |
| Credit loss provision to net charge-offs | 40.5844% | 4,035 |
| Earnings coverage of net charge-offs (x) | 18.2127% | 1,666 |
| Efficiency ratio | 43.7776% | 6,621 |
| Assets per employee ($millions) | 7.2001% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,045 |
| Loan loss allowance to noncurrent loans | 267.6541% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 5,130 |
| Noncurrent loans to loans | 0.4188% | 4,949 |
| Net loans and leases to total assets | 77.2796% | 918 |
| Net loans and leases to deposits | 105.4457% | 281 |
| Net loans and leases to core deposits | 119.0254% | 349 |
| Total domestic deposits to total assets | 73.2885% | 6,330 |
| Equity capital to assets | 11.8198% | 1,932 |
| Core capital (leverage) ratio | 11.6831% | 1,840 |
| Tier 1 risk-based capital ratio | 14.1901% | 4,163 |
| Total risk-based capital ratio | 15.2687% | 4,220 |
| Memoranda: | ||
| Average total assets | $348,426,000 | 1,854 |
| Average earning assets | $328,212,200 | 1,811 |
| Average equity | $41,018,800 | 1,706 |
| Average total loans | $268,470,600 | 1,559 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 960 |
| Cost of funding earning assets | 0.4579% | 4,188 |
| Net interest margin | 4.5318% | 696 |
| Noninterest income to average assets | 2.1372% | 377 |
| Noninterest expense to average assets | 2.6589% | 4,163 |
| Loan and lease loss provision to assets | 0.0980% | 3,126 |
| Net operating income to assets | 3.0552% | 101 |
| Return on assets (ROA) | 3.0552% | 102 |
| Pretax return on assets | 3.6440% | 88 |
| Return on Equity (ROE) | 25.9811% | 104 |
| Retained earnings to average equity (ytd only) | 25.9811% | 40 |
| Net charge-offs to loans | 0.2166% | 2,528 |
| Credit loss provision to net charge-offs | 58.9623% | 3,328 |
| Earnings coverage of net charge-offs (x) | 22.5141% | 1,491 |
| Efficiency ratio | 41.0252% | 6,729 |
| Assets per employee ($millions) | 6.9717% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 4,821 |
| Loan loss allowance to noncurrent loans | 86.3214% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2737% | 3,096 |
| Noncurrent loans to loans | 1.4015% | 3,067 |
| Net loans and leases to total assets | 76.6548% | 912 |
| Net loans and leases to deposits | 102.5934% | 348 |
| Net loans and leases to core deposits | 115.5122% | 409 |
| Total domestic deposits to total assets | 74.7170% | 6,302 |
| Equity capital to assets | 11.7491% | 2,086 |
| Core capital (leverage) ratio | 11.2533% | 2,247 |
| Tier 1 risk-based capital ratio | 13.8520% | 4,530 |
| Total risk-based capital ratio | 15.0142% | 4,549 |
| Memoranda: | ||
| Average total assets | $340,131,500 | 1,902 |
| Average earning assets | $320,010,500 | 1,870 |
| Average equity | $39,997,250 | 1,755 |
| Average total loans | $261,027,000 | 1,596 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 890 |
| Cost of funding earning assets | 0.4623% | 4,287 |
| Net interest margin | 4.5524% | 645 |
| Noninterest income to average assets | 3.2090% | 231 |
| Noninterest expense to average assets | 2.8669% | 3,448 |
| Loan and lease loss provision to assets | 0.1524% | 2,413 |
| Net operating income to assets | 3.9278% | 67 |
| Return on assets (ROA) | 3.9278% | 72 |
| Pretax return on assets | 4.4705% | 67 |
| Return on Equity (ROE) | 33.3906% | 52 |
| Retained earnings to average equity (ytd only) | 33.3906% | 27 |
| Net charge-offs to loans | 0.2705% | 2,123 |
| Credit loss provision to net charge-offs | 73.7463% | 2,748 |
| Earnings coverage of net charge-offs (x) | 22.3658% | 1,371 |
| Efficiency ratio | 37.8460% | 6,827 |
| Assets per employee ($millions) | 6.7014% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 4,806 |
| Loan loss allowance to noncurrent loans | 118.1848% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.5159% | 2,829 |
| Noncurrent loans to loans | 1.0457% | 3,843 |
| Net loans and leases to total assets | 77.0852% | 859 |
| Net loans and leases to deposits | 103.9267% | 265 |
| Net loans and leases to core deposits | 120.0315% | 316 |
| Total domestic deposits to total assets | 74.1727% | 6,432 |
| Equity capital to assets | 11.4737% | 2,326 |
| Core capital (leverage) ratio | 10.8555% | 2,498 |
| Tier 1 risk-based capital ratio | 13.3524% | 4,875 |
| Total risk-based capital ratio | 14.5503% | 4,860 |
| Memoranda: | ||
| Average total assets | $328,018,330 | 1,982 |
| Average earning assets | $308,454,670 | 1,945 |
| Average equity | $38,585,670 | 1,817 |
| Average total loans | $250,663,670 | 1,655 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 945 |
| Cost of funding earning assets | 0.4513% | 4,581 |
| Net interest margin | 4.5212% | 654 |
| Noninterest income to average assets | 6.5705% | 105 |
| Noninterest expense to average assets | 3.3089% | 2,065 |
| Loan and lease loss provision to assets | 0.1971% | 1,881 |
| Net operating income to assets | 6.9713% | 32 |
| Return on assets (ROA) | 6.9713% | 34 |
| Pretax return on assets | 7.3301% | 39 |
| Return on Equity (ROE) | 58.3777% | 21 |
| Retained earnings to average equity (ytd only) | 58.3777% | 12 |
| Net charge-offs to loans | -0.0488% | 6,126 |
| Credit loss provision to net charge-offs | -535.7143% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2813% | 6,957 |
| Assets per employee ($millions) | 6.6175% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,449 |
| Loan loss allowance to noncurrent loans | 81.7283% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.7354% | 2,687 |
| Noncurrent loans to loans | 1.6563% | 3,058 |
| Net loans and leases to total assets | 76.4348% | 788 |
| Net loans and leases to deposits | 99.0232% | 392 |
| Net loans and leases to core deposits | 113.4105% | 406 |
| Total domestic deposits to total assets | 77.1888% | 6,228 |
| Equity capital to assets | 11.5049% | 2,407 |
| Core capital (leverage) ratio | 12.2778% | 1,428 |
| Tier 1 risk-based capital ratio | 13.5126% | 4,862 |
| Total risk-based capital ratio | 14.7638% | 4,821 |
| Memoranda: | ||
| Average total assets | $304,389,000 | 2,157 |
| Average earning assets | $287,180,500 | 2,109 |
| Average equity | $36,349,500 | 1,945 |
| Average total loans | $229,544,000 | 1,799 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 2,571 |
| Cost of funding earning assets | 0.6430% | 3,980 |
| Net interest margin | 4.0627% | 2,144 |
| Noninterest income to average assets | 0.0065% | 6,805 |
| Noninterest expense to average assets | 2.2904% | 5,712 |
| Loan and lease loss provision to assets | 0.3350% | 2,012 |
| Net operating income to assets | 0.8008% | 3,284 |
| Return on assets (ROA) | 0.8404% | 3,347 |
| Pretax return on assets | 1.2936% | 2,437 |
| Return on Equity (ROE) | 6.6572% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.6572% | 1,741 |
| Net charge-offs to loans | 0.7743% | 1,515 |
| Credit loss provision to net charge-offs | 61.9277% | 4,395 |
| Earnings coverage of net charge-offs (x) | 2.8980% | 3,979 |
| Efficiency ratio | 59.3648% | 5,636 |
| Assets per employee ($millions) | 8.8221% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1570% | 1,636 |
| Loan loss allowance to noncurrent loans | 93.2144% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 2.0227% | 2,425 |
| Noncurrent loans to loans | 2.3141% | 2,335 |
| Net loans and leases to total assets | 70.6302% | 1,720 |
| Net loans and leases to deposits | 95.8556% | 623 |
| Net loans and leases to core deposits | 107.6564% | 622 |
| Total domestic deposits to total assets | 73.6840% | 6,560 |
| Equity capital to assets | 12.6215% | 1,630 |
| Core capital (leverage) ratio | 12.1124% | 1,500 |
| Tier 1 risk-based capital ratio | 16.3000% | 2,993 |
| Total risk-based capital ratio | 17.5605% | 2,948 |
| Memoranda: | ||
| Average total assets | $230,135,400 | 2,721 |
| Average earning assets | $218,179,600 | 2,630 |
| Average equity | $29,051,400 | 2,314 |
| Average total loans | $160,799,600 | 2,417 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 2,729 |
| Cost of funding earning assets | 0.6752% | 3,973 |
| Net interest margin | 4.0426% | 2,326 |
| Noninterest income to average assets | 0.0555% | 6,784 |
| Noninterest expense to average assets | 2.2081% | 5,933 |
| Loan and lease loss provision to assets | 0.4214% | 1,515 |
| Net operating income to assets | 0.8443% | 3,238 |
| Return on assets (ROA) | 0.8960% | 3,230 |
| Pretax return on assets | 1.3349% | 2,476 |
| Return on Equity (ROE) | 7.0975% | 3,753 |
| Retained earnings to average equity (ytd only) | 7.0975% | 2,066 |
| Net charge-offs to loans | 0.8489% | 1,300 |
| Credit loss provision to net charge-offs | 71.6700% | 3,862 |
| Earnings coverage of net charge-offs (x) | 2.8559% | 3,897 |
| Efficiency ratio | 56.8035% | 5,943 |
| Assets per employee ($millions) | 9.0010% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 1,432 |
| Loan loss allowance to noncurrent loans | 105.9239% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0998% | 2,538 |
| Noncurrent loans to loans | 2.2197% | 2,593 |
| Net loans and leases to total assets | 69.1759% | 2,073 |
| Net loans and leases to deposits | 91.8045% | 991 |
| Net loans and leases to core deposits | 105.0593% | 801 |
| Total domestic deposits to total assets | 75.3514% | 6,472 |
| Equity capital to assets | 12.7392% | 1,748 |
| Core capital (leverage) ratio | 12.0333% | 1,637 |
| Tier 1 risk-based capital ratio | 16.8856% | 2,788 |
| Total risk-based capital ratio | 18.1487% | 2,746 |
| Memoranda: | ||
| Average total assets | $228,120,000 | 2,771 |
| Average earning assets | $216,226,000 | 2,683 |
| Average equity | $28,798,250 | 2,348 |
| Average total loans | $158,012,500 | 2,478 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 3,176 |
| Cost of funding earning assets | 0.6796% | 4,182 |
| Net interest margin | 3.9620% | 2,671 |
| Noninterest income to average assets | 0.0416% | 6,887 |
| Noninterest expense to average assets | 2.1658% | 6,095 |
| Loan and lease loss provision to assets | 0.5262% | 1,190 |
| Net operating income to assets | 0.7481% | 3,618 |
| Return on assets (ROA) | 0.8269% | 3,526 |
| Pretax return on assets | 1.2187% | 2,842 |
| Return on Equity (ROE) | 6.5706% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.5706% | 2,344 |
| Net charge-offs to loans | 1.0256% | 1,072 |
| Credit loss provision to net charge-offs | 74.6550% | 3,465 |
| Earnings coverage of net charge-offs (x) | 2.3112% | 3,842 |
| Efficiency ratio | 57.0729% | 5,987 |
| Assets per employee ($millions) | 9.4771% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4367% | 1,366 |
| Loan loss allowance to noncurrent loans | 93.6486% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 2,753 |
| Noncurrent loans to loans | 2.6019% | 2,310 |
| Net loans and leases to total assets | 67.2770% | 2,408 |
| Net loans and leases to deposits | 91.0762% | 1,038 |
| Net loans and leases to core deposits | 107.3142% | 689 |
| Total domestic deposits to total assets | 73.8689% | 6,690 |
| Equity capital to assets | 12.2653% | 1,957 |
| Core capital (leverage) ratio | 12.0621% | 1,572 |
| Tier 1 risk-based capital ratio | 16.7823% | 2,769 |
| Total risk-based capital ratio | 18.0466% | 2,717 |
| Memoranda: | ||
| Average total assets | $226,151,670 | 2,803 |
| Average earning assets | $214,236,000 | 2,713 |
| Average equity | $28,460,000 | 2,355 |
| Average total loans | $155,421,000 | 2,530 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 3,171 |
| Cost of funding earning assets | 0.6892% | 4,378 |
| Net interest margin | 3.9799% | 2,591 |
| Noninterest income to average assets | 0.0308% | 7,007 |
| Noninterest expense to average assets | 2.1797% | 6,095 |
| Loan and lease loss provision to assets | 0.8969% | 492 |
| Net operating income to assets | 0.5012% | 4,827 |
| Return on assets (ROA) | 0.6686% | 4,252 |
| Pretax return on assets | 0.9603% | 3,830 |
| Return on Equity (ROE) | 5.2415% | 4,673 |
| Retained earnings to average equity (ytd only) | 5.2415% | 3,409 |
| Net charge-offs to loans | 1.2440% | 815 |
| Credit loss provision to net charge-offs | 105.0955% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.8960% | 3,387 |
| Efficiency ratio | 57.3950% | 5,993 |
| Assets per employee ($millions) | 9.3943% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7083% | 1,108 |
| Loan loss allowance to noncurrent loans | 49.6284% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 3.8082% | 1,467 |
| Noncurrent loans to loans | 5.4571% | 980 |
| Net loans and leases to total assets | 67.0323% | 2,283 |
| Net loans and leases to deposits | 94.0642% | 655 |
| Net loans and leases to core deposits | 110.5760% | 519 |
| Total domestic deposits to total assets | 71.2622% | 6,919 |
| Equity capital to assets | 12.5457% | 1,699 |
| Core capital (leverage) ratio | 12.2359% | 1,469 |
| Tier 1 risk-based capital ratio | 17.2577% | 2,575 |
| Total risk-based capital ratio | 18.5254% | 2,539 |
| Memoranda: | ||
| Average total assets | $220,763,500 | 2,887 |
| Average earning assets | $208,948,000 | 2,788 |
| Average equity | $28,160,000 | 2,378 |
| Average total loans | $151,442,000 | 2,610 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 3,109 |
| Cost of funding earning assets | 0.8205% | 4,703 |
| Net interest margin | 4.1281% | 2,316 |
| Noninterest income to average assets | 0.0711% | 6,747 |
| Noninterest expense to average assets | 2.4585% | 5,610 |
| Loan and lease loss provision to assets | 1.1434% | 788 |
| Net operating income to assets | 0.2801% | 5,328 |
| Return on assets (ROA) | 0.3249% | 5,321 |
| Pretax return on assets | 0.4230% | 5,221 |
| Return on Equity (ROE) | 2.4516% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.4516% | 4,476 |
| Net charge-offs to loans | 0.8747% | 1,985 |
| Credit loss provision to net charge-offs | 195.1600% | 1,303 |
| Earnings coverage of net charge-offs (x) | 2.5742% | 3,928 |
| Efficiency ratio | 61.9775% | 5,465 |
| Assets per employee ($millions) | 9.8211% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8351% | 943 |
| Loan loss allowance to noncurrent loans | 72.3327% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 2.7626% | 2,199 |
| Noncurrent loans to loans | 3.9195% | 1,600 |
| Net loans and leases to total assets | 66.3512% | 2,718 |
| Net loans and leases to deposits | 94.6521% | 765 |
| Net loans and leases to core deposits | 115.0404% | 466 |
| Total domestic deposits to total assets | 70.1001% | 6,986 |
| Equity capital to assets | 12.9749% | 1,498 |
| Core capital (leverage) ratio | 12.3770% | 1,403 |
| Tier 1 risk-based capital ratio | 17.5258% | 2,374 |
| Total risk-based capital ratio | 18.7974% | 2,334 |
| Memoranda: | ||
| Average total assets | $208,057,000 | 2,969 |
| Average earning assets | $196,335,600 | 2,900 |
| Average equity | $27,573,400 | 2,352 |
| Average total loans | $139,359,600 | 2,800 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 3,018 |
| Cost of funding earning assets | 0.8486% | 4,783 |
| Net interest margin | 4.1649% | 2,226 |
| Noninterest income to average assets | 0.0899% | 6,792 |
| Noninterest expense to average assets | 2.7183% | 4,661 |
| Loan and lease loss provision to assets | 0.2342% | 3,671 |
| Net operating income to assets | 0.7098% | 3,564 |
| Return on assets (ROA) | 0.7111% | 3,724 |
| Pretax return on assets | 1.0612% | 3,164 |
| Return on Equity (ROE) | 5.3365% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.3365% | 2,961 |
| Net charge-offs to loans | 0.0068% | 6,070 |
| Credit loss provision to net charge-offs | 5,171.4286% | 60 |
| Earnings coverage of net charge-offs (x) | 285.6667% | 131 |
| Efficiency ratio | 67.7581% | 4,359 |
| Assets per employee ($millions) | 8.8592% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3507% | 1,618 |
| Loan loss allowance to noncurrent loans | 377.1205% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 5,821 |
| Noncurrent loans to loans | 0.6233% | 5,641 |
| Net loans and leases to total assets | 63.3765% | 3,439 |
| Net loans and leases to deposits | 91.7186% | 1,036 |
| Net loans and leases to core deposits | 113.4517% | 568 |
| Total domestic deposits to total assets | 69.0989% | 7,086 |
| Equity capital to assets | 12.9077% | 1,661 |
| Core capital (leverage) ratio | 12.8214% | 1,287 |
| Tier 1 risk-based capital ratio | 17.9421% | 2,278 |
| Total risk-based capital ratio | 19.2040% | 2,237 |
| Memoranda: | ||
| Average total assets | $206,055,250 | 3,005 |
| Average earning assets | $194,029,500 | 2,936 |
| Average equity | $27,458,250 | 2,364 |
| Average total loans | $137,313,500 | 2,875 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0962% | 2,701 |
| Cost of funding earning assets | 0.8754% | 4,865 |
| Net interest margin | 4.2208% | 1,952 |
| Noninterest income to average assets | 0.1045% | 6,803 |
| Noninterest expense to average assets | 2.4409% | 5,726 |
| Loan and lease loss provision to assets | 0.2051% | 3,875 |
| Net operating income to assets | 0.9338% | 2,498 |
| Return on assets (ROA) | 0.9357% | 2,593 |
| Pretax return on assets | 1.4404% | 1,692 |
| Return on Equity (ROE) | 6.9420% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.9420% | 1,904 |
| Net charge-offs to loans | 0.0104% | 5,707 |
| Credit loss provision to net charge-offs | 2,942.8571% | 113 |
| Earnings coverage of net charge-offs (x) | 235.7143% | 151 |
| Efficiency ratio | 59.7757% | 5,910 |
| Assets per employee ($millions) | 8.4211% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3747% | 1,634 |
| Loan loss allowance to noncurrent loans | 725.9009% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 6,022 |
| Noncurrent loans to loans | 0.3271% | 6,256 |
| Net loans and leases to total assets | 65.5582% | 3,124 |
| Net loans and leases to deposits | 97.8531% | 600 |
| Net loans and leases to core deposits | 124.9854% | 327 |
| Total domestic deposits to total assets | 66.9965% | 7,234 |
| Equity capital to assets | 13.7730% | 1,173 |
| Core capital (leverage) ratio | 13.4542% | 1,010 |
| Tier 1 risk-based capital ratio | 18.6452% | 1,949 |
| Total risk-based capital ratio | 19.9073% | 1,912 |
| Memoranda: | ||
| Average total assets | $200,913,330 | 3,088 |
| Average earning assets | $189,396,000 | 3,006 |
| Average equity | $27,081,670 | 2,378 |
| Average total loans | $135,169,330 | 2,942 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 2,392 |
| Cost of funding earning assets | 0.9046% | 4,884 |
| Net interest margin | 4.2533% | 1,736 |
| Noninterest income to average assets | 0.1078% | 6,870 |
| Noninterest expense to average assets | 2.5020% | 5,542 |
| Loan and lease loss provision to assets | 0.2975% | 2,781 |
| Net operating income to assets | 0.8508% | 2,780 |
| Return on assets (ROA) | 0.8546% | 2,818 |
| Pretax return on assets | 1.3139% | 1,999 |
| Return on Equity (ROE) | 6.4109% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.4109% | 2,416 |
| Net charge-offs to loans | 0.0356% | 4,601 |
| Credit loss provision to net charge-offs | 1,241.6667% | 322 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 451 |
| Efficiency ratio | 60.9140% | 5,843 |
| Assets per employee ($millions) | 9.6884% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3693% | 1,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 5,413 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 64.0011% | 3,440 |
| Net loans and leases to deposits | 95.1280% | 743 |
| Net loans and leases to core deposits | 118.6006% | 455 |
| Total domestic deposits to total assets | 67.2789% | 7,291 |
| Equity capital to assets | 13.2397% | 1,284 |
| Core capital (leverage) ratio | 12.9209% | 1,146 |
| Tier 1 risk-based capital ratio | 17.6608% | 2,225 |
| Total risk-based capital ratio | 18.9287% | 2,197 |
| Memoranda: | ||
| Average total assets | $200,317,000 | 3,110 |
| Average earning assets | $188,372,000 | 3,035 |
| Average equity | $26,704,500 | 2,399 |
| Average total loans | $134,894,000 | 2,985 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 3,715 |
| Cost of funding earning assets | 1.1607% | 4,788 |
| Net interest margin | 4.0165% | 2,951 |
| Noninterest income to average assets | -0.0088% | 7,307 |
| Noninterest expense to average assets | 2.1628% | 6,708 |
| Loan and lease loss provision to assets | 0.6952% | 2,361 |
| Net operating income to assets | 0.6354% | 3,510 |
| Return on assets (ROA) | 0.6354% | 3,661 |
| Pretax return on assets | 0.9260% | 3,170 |
| Return on Equity (ROE) | 4.7268% | 4,187 |
| Retained earnings to average equity (ytd only) | 4.7268% | 2,594 |
| Net charge-offs to loans | 0.5789% | 3,308 |
| Credit loss provision to net charge-offs | 176.8021% | 1,883 |
| Earnings coverage of net charge-offs (x) | 4.1232% | 3,052 |
| Efficiency ratio | 57.1565% | 6,440 |
| Assets per employee ($millions) | 8.2158% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2160% | 1,843 |
| Loan loss allowance to noncurrent loans | 556.7219% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.9900% | 5,030 |
| Noncurrent loans to loans | 0.3981% | 6,252 |
| Net loans and leases to total assets | 67.6500% | 3,068 |
| Net loans and leases to deposits | 105.7266% | 333 |
| Net loans and leases to core deposits | 130.8396% | 319 |
| Total domestic deposits to total assets | 63.9858% | 7,445 |
| Equity capital to assets | 13.4254% | 1,205 |
| Core capital (leverage) ratio | 12.7034% | 1,243 |
| Tier 1 risk-based capital ratio | 18.0049% | 1,998 |
| Total risk-based capital ratio | 19.2660% | 1,954 |
| Memoranda: | ||
| Average total assets | $194,057,600 | 3,175 |
| Average earning assets | $183,246,200 | 3,088 |
| Average equity | $26,085,200 | 2,451 |
| Average total loans | $131,805,400 | 3,092 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 4,107 |
| Cost of funding earning assets | 1.2187% | 4,753 |
| Net interest margin | 3.9241% | 3,432 |
| Noninterest income to average assets | 0.0980% | 7,056 |
| Noninterest expense to average assets | 2.1247% | 6,798 |
| Loan and lease loss provision to assets | 0.5367% | 2,792 |
| Net operating income to assets | 0.7781% | 3,098 |
| Return on assets (ROA) | 0.7781% | 3,256 |
| Pretax return on assets | 1.1417% | 2,691 |
| Return on Equity (ROE) | 5.7870% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.7870% | 2,482 |
| Net charge-offs to loans | 0.6102% | 2,913 |
| Credit loss provision to net charge-offs | 130.1003% | 3,104 |
| Earnings coverage of net charge-offs (x) | 4.0686% | 3,197 |
| Efficiency ratio | 55.8679% | 6,578 |
| Assets per employee ($millions) | 9.2809% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0011% | 2,215 |
| Loan loss allowance to noncurrent loans | 283.8395% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 4,477 |
| Noncurrent loans to loans | 0.7050% | 5,801 |
| Net loans and leases to total assets | 65.7580% | 3,741 |
| Net loans and leases to deposits | 102.6643% | 499 |
| Net loans and leases to core deposits | 137.7231% | 287 |
| Total domestic deposits to total assets | 64.0515% | 7,518 |
| Equity capital to assets | 13.7328% | 1,265 |
| Core capital (leverage) ratio | 13.1113% | 1,187 |
| Tier 1 risk-based capital ratio | 18.3288% | 1,927 |
| Total risk-based capital ratio | 19.5913% | 1,882 |
| Memoranda: | ||
| Average total assets | $193,277,500 | 3,232 |
| Average earning assets | $182,489,750 | 3,141 |
| Average equity | $25,988,500 | 2,498 |
| Average total loans | $130,653,250 | 3,158 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 4,355 |
| Cost of funding earning assets | 1.2804% | 4,648 |
| Net interest margin | 3.8378% | 3,723 |
| Noninterest income to average assets | 0.1141% | 7,035 |
| Noninterest expense to average assets | 2.1075% | 6,878 |
| Loan and lease loss provision to assets | 0.5054% | 2,778 |
| Net operating income to assets | 0.7720% | 3,100 |
| Return on assets (ROA) | 0.7720% | 3,252 |
| Pretax return on assets | 1.1280% | 2,680 |
| Return on Equity (ROE) | 5.7832% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.7832% | 2,454 |
| Net charge-offs to loans | 0.9157% | 1,999 |
| Credit loss provision to net charge-offs | 81.4381% | 4,667 |
| Earnings coverage of net charge-offs (x) | 2.6321% | 3,682 |
| Efficiency ratio | 56.3384% | 6,598 |
| Assets per employee ($millions) | 8.6870% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 2,730 |
| Loan loss allowance to noncurrent loans | 403.8194% | 763 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 4,853 |
| Noncurrent loans to loans | 0.4445% | 6,355 |
| Net loans and leases to total assets | 63.6855% | 4,320 |
| Net loans and leases to deposits | 89.4146% | 1,944 |
| Net loans and leases to core deposits | 121.2851% | 656 |
| Total domestic deposits to total assets | 71.2250% | 7,245 |
| Equity capital to assets | 13.1235% | 1,519 |
| Core capital (leverage) ratio | 13.0394% | 1,197 |
| Tier 1 risk-based capital ratio | 17.3082% | 2,163 |
| Total risk-based capital ratio | 18.5564% | 2,131 |
| Memoranda: | ||
| Average total assets | $192,737,330 | 3,263 |
| Average earning assets | $182,135,330 | 3,170 |
| Average equity | $25,729,670 | 2,513 |
| Average total loans | $130,611,670 | 3,188 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 4,192 |
| Cost of funding earning assets | 1.3261% | 4,647 |
| Net interest margin | 3.8444% | 3,602 |
| Noninterest income to average assets | 0.1184% | 7,100 |
| Noninterest expense to average assets | 2.2388% | 6,586 |
| Loan and lease loss provision to assets | 0.3996% | 2,977 |
| Net operating income to assets | 0.7611% | 3,151 |
| Return on assets (ROA) | 0.7611% | 3,258 |
| Pretax return on assets | 1.1205% | 2,670 |
| Return on Equity (ROE) | 5.6506% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.6506% | 2,783 |
| Net charge-offs to loans | 0.0488% | 4,916 |
| Credit loss provision to net charge-offs | 1,181.2500% | 411 |
| Earnings coverage of net charge-offs (x) | 44.9375% | 618 |
| Efficiency ratio | 59.5613% | 6,253 |
| Assets per employee ($millions) | 9.2228% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 2,202 |
| Loan loss allowance to noncurrent loans | 155.6947% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 4,999 |
| Noncurrent loans to loans | 1.2819% | 4,835 |
| Net loans and leases to total assets | 66.1982% | 3,805 |
| Net loans and leases to deposits | 98.4444% | 869 |
| Net loans and leases to core deposits | 130.2293% | 492 |
| Total domestic deposits to total assets | 67.2443% | 7,564 |
| Equity capital to assets | 13.2637% | 1,413 |
| Core capital (leverage) ratio | 13.1070% | 1,182 |
| Tier 1 risk-based capital ratio | 17.6884% | 2,024 |
| Total risk-based capital ratio | 18.9407% | 2,002 |
| Memoranda: | ||
| Average total assets | $189,205,000 | 3,375 |
| Average earning assets | $179,171,000 | 3,262 |
| Average equity | $25,484,000 | 2,566 |
| Average total loans | $131,132,000 | 3,240 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4876% | 4,211 |
| Cost of funding earning assets | 1.7380% | 4,323 |
| Net interest margin | 3.7495% | 3,915 |
| Noninterest income to average assets | 0.0739% | 7,386 |
| Noninterest expense to average assets | 2.4716% | 6,234 |
| Loan and lease loss provision to assets | 0.5319% | 3,714 |
| Net operating income to assets | 0.5516% | 3,518 |
| Return on assets (ROA) | 0.5516% | 3,608 |
| Pretax return on assets | 0.6517% | 3,737 |
| Return on Equity (ROE) | 3.7468% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.7468% | 2,573 |
| Net charge-offs to loans | 0.1883% | 5,475 |
| Credit loss provision to net charge-offs | 387.8261% | 819 |
| Earnings coverage of net charge-offs (x) | 8.6304% | 1,916 |
| Efficiency ratio | 67.6183% | 5,075 |
| Assets per employee ($millions) | 9.7227% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 2,393 |
| Loan loss allowance to noncurrent loans | 783.6013% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 6,903 |
| Noncurrent loans to loans | 0.2366% | 6,840 |
| Net loans and leases to total assets | 69.8334% | 3,293 |
| Net loans and leases to deposits | 106.1255% | 544 |
| Net loans and leases to core deposits | 171.9664% | 221 |
| Total domestic deposits to total assets | 65.8027% | 7,648 |
| Equity capital to assets | 13.6842% | 1,258 |
| Core capital (leverage) ratio | 13.4044% | 1,122 |
| Tier 1 risk-based capital ratio | 17.4675% | 2,037 |
| Total risk-based capital ratio | 18.7285% | 1,990 |
| Memoranda: | ||
| Average total assets | $167,702,800 | 3,645 |
| Average earning assets | $160,179,800 | 3,518 |
| Average equity | $24,688,000 | 2,647 |
| Average total loans | $122,115,000 | 3,436 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 4,539 |
| Cost of funding earning assets | 1.8053% | 4,363 |
| Net interest margin | 3.6710% | 4,198 |
| Noninterest income to average assets | 0.0620% | 7,598 |
| Noninterest expense to average assets | 2.5753% | 5,802 |
| Loan and lease loss provision to assets | 0.4446% | 3,682 |
| Net operating income to assets | 0.4976% | 3,996 |
| Return on assets (ROA) | 0.4976% | 4,091 |
| Pretax return on assets | 0.5588% | 4,335 |
| Return on Equity (ROE) | 3.3142% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.3142% | 3,455 |
| Net charge-offs to loans | 0.2193% | 4,665 |
| Credit loss provision to net charge-offs | 276.6497% | 1,520 |
| Earnings coverage of net charge-offs (x) | 6.2437% | 2,636 |
| Efficiency ratio | 71.9626% | 4,247 |
| Assets per employee ($millions) | 9.7275% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 2,781 |
| Loan loss allowance to noncurrent loans | 737.1528% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 7,123 |
| Noncurrent loans to loans | 0.2247% | 6,938 |
| Net loans and leases to total assets | 71.9975% | 3,037 |
| Net loans and leases to deposits | 107.3772% | 586 |
| Net loans and leases to core deposits | 171.4340% | 264 |
| Total domestic deposits to total assets | 67.0510% | 7,637 |
| Equity capital to assets | 14.2997% | 1,206 |
| Core capital (leverage) ratio | 13.6824% | 1,171 |
| Tier 1 risk-based capital ratio | 17.5402% | 2,114 |
| Total risk-based capital ratio | 18.7231% | 2,084 |
| Memoranda: | ||
| Average total assets | $163,445,750 | 3,733 |
| Average earning assets | $156,575,500 | 3,607 |
| Average equity | $24,540,250 | 2,685 |
| Average total loans | $119,783,500 | 3,512 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 4,760 |
| Cost of funding earning assets | 1.8779% | 4,379 |
| Net interest margin | 3.5957% | 4,381 |
| Noninterest income to average assets | 0.0602% | 7,686 |
| Noninterest expense to average assets | 2.6598% | 5,522 |
| Loan and lease loss provision to assets | 0.3510% | 3,824 |
| Net operating income to assets | 0.4838% | 4,151 |
| Return on assets (ROA) | 0.4838% | 4,265 |
| Pretax return on assets | 0.4838% | 4,675 |
| Return on Equity (ROE) | 3.1673% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.1673% | 3,555 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1119% | 3,670 |
| Assets per employee ($millions) | 9.3254% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 2,371 |
| Loan loss allowance to noncurrent loans | 595.6522% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 6,995 |
| Noncurrent loans to loans | 0.2846% | 6,806 |
| Net loans and leases to total assets | 70.9872% | 3,469 |
| Net loans and leases to deposits | 110.4861% | 534 |
| Net loans and leases to core deposits | 204.9731% | 108 |
| Total domestic deposits to total assets | 64.2499% | 7,818 |
| Equity capital to assets | 14.5975% | 1,142 |
| Core capital (leverage) ratio | 14.4712% | 1,028 |
| Tier 1 risk-based capital ratio | 18.3791% | 1,903 |
| Total risk-based capital ratio | 19.6326% | 1,859 |
| Memoranda: | ||
| Average total assets | $159,562,670 | 3,833 |
| Average earning assets | $152,405,000 | 3,696 |
| Average equity | $24,374,330 | 2,716 |
| Average total loans | $116,982,330 | 3,604 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 4,447 |
| Cost of funding earning assets | 2.0043% | 4,105 |
| Net interest margin | 3.5816% | 4,397 |
| Noninterest income to average assets | 0.0592% | 7,777 |
| Noninterest expense to average assets | 2.7076% | 4,967 |
| Loan and lease loss provision to assets | 0.2033% | 4,416 |
| Net operating income to assets | 0.5379% | 4,267 |
| Return on assets (ROA) | 0.5379% | 4,456 |
| Pretax return on assets | 0.5379% | 4,954 |
| Return on Equity (ROE) | 3.4389% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.4389% | 3,975 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5075% | 3,083 |
| Assets per employee ($millions) | 8.3533% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 2,442 |
| 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 | 70.9343% | 3,486 |
| Net loans and leases to deposits | 109.7783% | 627 |
| Net loans and leases to core deposits | 186.6196% | 199 |
| Total domestic deposits to total assets | 64.6160% | 7,814 |
| Equity capital to assets | 15.3472% | 1,001 |
| Core capital (leverage) ratio | 15.1398% | 938 |
| Tier 1 risk-based capital ratio | 18.3274% | 1,976 |
| Total risk-based capital ratio | 19.5796% | 1,931 |
| Memoranda: | ||
| Average total assets | $155,415,500 | 3,919 |
| Average earning assets | $147,084,000 | 3,810 |
| Average equity | $24,310,000 | 2,732 |
| Average total loans | $114,867,500 | 3,676 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2741% | 4,099 |
| Cost of funding earning assets | 2.6602% | 3,372 |
| Net interest margin | 3.6138% | 4,820 |
| Noninterest income to average assets | 0.1014% | 7,626 |
| Noninterest expense to average assets | 2.6205% | 5,575 |
| Loan and lease loss provision to assets | 0.8274% | 1,799 |
| Net operating income to assets | 0.1414% | 6,000 |
| Return on assets (ROA) | 0.2205% | 5,614 |
| Pretax return on assets | 0.2205% | 5,689 |
| Return on Equity (ROE) | 1.2248% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.2248% | 4,491 |
| Net charge-offs to loans | 0.3416% | 3,124 |
| Credit loss provision to net charge-offs | 308.5960% | 1,463 |
| Earnings coverage of net charge-offs (x) | 3.6132% | 4,294 |
| Efficiency ratio | 73.0094% | 3,748 |
| Assets per employee ($millions) | 8.4510% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 2,503 |
| 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 | 74.6289% | 2,960 |
| Net loans and leases to deposits | 117.0773% | 475 |
| Net loans and leases to core deposits | 182.0403% | 268 |
| Total domestic deposits to total assets | 63.7433% | 7,806 |
| Equity capital to assets | 15.9495% | 947 |
| Core capital (leverage) ratio | 15.8436% | 855 |
| Tier 1 risk-based capital ratio | 18.8728% | 1,842 |
| Total risk-based capital ratio | 20.1248% | 1,794 |
| Memoranda: | ||
| Average total assets | $130,163,600 | 4,281 |
| Average earning assets | $125,628,200 | 4,138 |
| Average equity | $23,431,600 | 2,797 |
| Average total loans | $102,167,600 | 3,890 |