Home > Cheviot Savings Bank > Performance and Condition Ratios
Cheviot Savings Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5103% | 4,868 |
| Cost of funding earning assets | 0.6163% | 1,233 |
| Net interest margin | 2.8940% | 5,332 |
| Noninterest income to average assets | 0.2886% | 4,662 |
| Noninterest expense to average assets | 2.3677% | 4,465 |
| Loan and lease loss provision to assets | 0.3846% | 371 |
| Net operating income to assets | 0.1087% | 5,668 |
| Return on assets (ROA) | 0.1087% | 5,714 |
| Pretax return on assets | 0.1411% | 5,701 |
| Return on Equity (ROE) | 0.6923% | 5,744 |
| Retained earnings to average equity (ytd only) | 0.6923% | 4,940 |
| Net charge-offs to loans | 0.0759% | 1,727 |
| Credit loss provision to net charge-offs | 767.6056% | 445 |
| Earnings coverage of net charge-offs (x) | 10.4930% | 1,918 |
| Efficiency ratio | 81.1463% | 1,466 |
| Assets per employee ($millions) | 5.8519% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 4,141 |
| Loan loss allowance to noncurrent loans | 93.7588% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 2,220 |
| Noncurrent loans to loans | 1.1562% | 2,092 |
| Net loans and leases to total assets | 65.1480% | 3,087 |
| Net loans and leases to deposits | 80.5216% | 2,729 |
| Net loans and leases to core deposits | 81.9251% | 3,132 |
| Total domestic deposits to total assets | 80.9075% | 4,518 |
| Equity capital to assets | 15.8980% | 545 |
| Core capital (leverage) ratio | 14.2606% | 744 |
| Tier 1 risk-based capital ratio | 22.0204% | 1,154 |
| Total risk-based capital ratio | 23.1400% | 1,152 |
| Memoranda: | ||
| Average total assets | $566,788,000 | 1,241 |
| Average earning assets | $510,152,000 | 1,265 |
| Average equity | $88,981,000 | 897 |
| Average total loans | $374,221,500 | 1,261 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 4,888 |
| Cost of funding earning assets | 0.6620% | 1,006 |
| Net interest margin | 2.8503% | 5,424 |
| Noninterest income to average assets | 0.4764% | 3,489 |
| Noninterest expense to average assets | 2.3359% | 4,688 |
| Loan and lease loss provision to assets | 0.2950% | 587 |
| Net operating income to assets | 0.2712% | 5,438 |
| Return on assets (ROA) | 0.2712% | 5,514 |
| Pretax return on assets | 0.4040% | 5,311 |
| Return on Equity (ROE) | 1.7663% | 5,632 |
| Retained earnings to average equity (ytd only) | 0.2358% | 5,420 |
| Net charge-offs to loans | 0.1108% | 2,268 |
| Credit loss provision to net charge-offs | 430.2030% | 716 |
| Earnings coverage of net charge-offs (x) | 10.1929% | 2,720 |
| Efficiency ratio | 76.3033% | 2,221 |
| Assets per employee ($millions) | 5.7180% | 1,604 |
| Cash dividends to net income (ytd only)* | 86.6496% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 4,943 |
| Loan loss allowance to noncurrent loans | 125.1150% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 2,730 |
| Noncurrent loans to loans | 0.7470% | 2,938 |
| Net loans and leases to total assets | 65.5665% | 3,047 |
| Net loans and leases to deposits | 80.6761% | 2,746 |
| Net loans and leases to core deposits | 82.1192% | 3,135 |
| Total domestic deposits to total assets | 81.2713% | 4,408 |
| Equity capital to assets | 15.5038% | 595 |
| Core capital (leverage) ratio | 13.9403% | 841 |
| Tier 1 risk-based capital ratio | 21.5737% | 1,211 |
| Total risk-based capital ratio | 22.5433% | 1,237 |
| Memoranda: | ||
| Average total assets | $574,559,400 | 1,187 |
| Average earning assets | $515,731,600 | 1,214 |
| Average equity | $88,205,800 | 862 |
| Average total loans | $355,681,800 | 1,274 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 4,944 |
| Cost of funding earning assets | 0.6701% | 982 |
| Net interest margin | 2.8461% | 5,502 |
| Noninterest income to average assets | 0.4640% | 3,603 |
| Noninterest expense to average assets | 2.4137% | 4,468 |
| Loan and lease loss provision to assets | 0.2566% | 660 |
| Net operating income to assets | 0.2334% | 5,609 |
| Return on assets (ROA) | 0.2334% | 5,682 |
| Pretax return on assets | 0.3463% | 5,562 |
| Return on Equity (ROE) | 1.5241% | 5,773 |
| Retained earnings to average equity (ytd only) | 1.5241% | 5,106 |
| Net charge-offs to loans | 0.1337% | 1,798 |
| Credit loss provision to net charge-offs | 315.3846% | 923 |
| Earnings coverage of net charge-offs (x) | 7.4102% | 2,918 |
| Efficiency ratio | 79.3315% | 1,754 |
| Assets per employee ($millions) | 5.8225% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 5,478 |
| Loan loss allowance to noncurrent loans | 92.0332% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 2,852 |
| Noncurrent loans to loans | 0.8862% | 2,764 |
| Net loans and leases to total assets | 63.1252% | 3,432 |
| Net loans and leases to deposits | 77.6001% | 3,138 |
| Net loans and leases to core deposits | 78.8205% | 3,526 |
| Total domestic deposits to total assets | 81.3468% | 4,377 |
| Equity capital to assets | 15.4908% | 646 |
| Core capital (leverage) ratio | 13.7814% | 915 |
| Tier 1 risk-based capital ratio | 22.4124% | 1,141 |
| Total risk-based capital ratio | 23.2575% | 1,175 |
| Memoranda: | ||
| Average total assets | $575,250,500 | 1,190 |
| Average earning assets | $515,927,000 | 1,224 |
| Average equity | $88,094,750 | 873 |
| Average total loans | $349,991,500 | 1,294 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 4,906 |
| Cost of funding earning assets | 0.6814% | 926 |
| Net interest margin | 2.8497% | 5,532 |
| Noninterest income to average assets | 0.4488% | 3,717 |
| Noninterest expense to average assets | 2.5130% | 4,200 |
| Loan and lease loss provision to assets | 0.1527% | 1,390 |
| Net operating income to assets | 0.2199% | 5,647 |
| Return on assets (ROA) | 0.2199% | 5,720 |
| Pretax return on assets | 0.3350% | 5,597 |
| Return on Equity (ROE) | 1.4414% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.4414% | 4,973 |
| Net charge-offs to loans | 0.1684% | 1,460 |
| Credit loss provision to net charge-offs | 151.3793% | 1,522 |
| Earnings coverage of net charge-offs (x) | 4.8345% | 2,989 |
| Efficiency ratio | 83.0377% | 1,365 |
| Assets per employee ($millions) | 5.9275% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 5,868 |
| Loan loss allowance to noncurrent loans | 68.3773% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 2,747 |
| Noncurrent loans to loans | 0.9806% | 2,684 |
| Net loans and leases to total assets | 60.8220% | 3,713 |
| Net loans and leases to deposits | 76.3579% | 3,222 |
| Net loans and leases to core deposits | 77.2972% | 3,642 |
| Total domestic deposits to total assets | 79.6539% | 4,938 |
| Equity capital to assets | 15.1047% | 683 |
| Core capital (leverage) ratio | 13.9180% | 866 |
| Tier 1 risk-based capital ratio | 23.0075% | 1,082 |
| Total risk-based capital ratio | 23.7029% | 1,124 |
| Memoranda: | ||
| Average total assets | $574,858,670 | 1,194 |
| Average earning assets | $514,794,670 | 1,233 |
| Average equity | $87,695,330 | 881 |
| Average total loans | $344,368,000 | 1,316 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 4,983 |
| Cost of funding earning assets | 0.6985% | 857 |
| Net interest margin | 2.7972% | 5,646 |
| Noninterest income to average assets | 0.3861% | 4,115 |
| Noninterest expense to average assets | 2.7392% | 3,454 |
| Loan and lease loss provision to assets | 0.1028% | 1,982 |
| Net operating income to assets | 0.0182% | 5,997 |
| Return on assets (ROA) | 0.0182% | 6,036 |
| Pretax return on assets | 0.0427% | 6,005 |
| Return on Equity (ROE) | 0.1186% | 6,042 |
| Retained earnings to average equity (ytd only) | 0.1186% | 5,338 |
| Net charge-offs to loans | 0.0709% | 2,020 |
| Credit loss provision to net charge-offs | 245.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 3.4667% | 2,603 |
| Efficiency ratio | 94.1319% | 590 |
| Assets per employee ($millions) | 5.7834% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 5,931 |
| Loan loss allowance to noncurrent loans | 76.5152% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 3,056 |
| Noncurrent loans to loans | 0.8950% | 3,002 |
| Net loans and leases to total assets | 58.8390% | 3,823 |
| Net loans and leases to deposits | 72.3573% | 3,506 |
| Net loans and leases to core deposits | 73.2412% | 3,850 |
| Total domestic deposits to total assets | 81.3173% | 4,730 |
| Equity capital to assets | 15.4253% | 642 |
| Core capital (leverage) ratio | 13.9820% | 829 |
| Tier 1 risk-based capital ratio | 23.9052% | 1,005 |
| Total risk-based capital ratio | 24.6154% | 1,040 |
| Memoranda: | ||
| Average total assets | $571,839,000 | 1,205 |
| Average earning assets | $510,789,000 | 1,244 |
| Average equity | $87,671,500 | 880 |
| Average total loans | $338,702,500 | 1,332 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 5,030 |
| Cost of funding earning assets | 0.6900% | 1,152 |
| Net interest margin | 2.9295% | 5,585 |
| Noninterest income to average assets | 0.3718% | 4,415 |
| Noninterest expense to average assets | 2.1355% | 5,492 |
| Loan and lease loss provision to assets | 0.1769% | 1,457 |
| Net operating income to assets | 0.4504% | 5,016 |
| Return on assets (ROA) | 0.4812% | 4,978 |
| Pretax return on assets | 0.6886% | 4,664 |
| Return on Equity (ROE) | 3.2770% | 5,390 |
| Retained earnings to average equity (ytd only) | 0.2177% | 5,679 |
| Net charge-offs to loans | 0.1452% | 2,586 |
| Credit loss provision to net charge-offs | 210.6996% | 1,172 |
| Earnings coverage of net charge-offs (x) | 9.7819% | 2,700 |
| Efficiency ratio | 71.3493% | 3,320 |
| Assets per employee ($millions) | 5.8278% | 1,504 |
| Cash dividends to net income (ytd only)* | 93.3573% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6612% | 6,056 |
| Loan loss allowance to noncurrent loans | 62.7914% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 2,864 |
| Noncurrent loans to loans | 1.0529% | 2,718 |
| Net loans and leases to total assets | 58.8245% | 3,941 |
| Net loans and leases to deposits | 72.4164% | 3,627 |
| Net loans and leases to core deposits | 73.3934% | 3,978 |
| Total domestic deposits to total assets | 81.2309% | 4,668 |
| Equity capital to assets | 15.2374% | 659 |
| Core capital (leverage) ratio | 13.8767% | 845 |
| Tier 1 risk-based capital ratio | 24.5290% | 888 |
| Total risk-based capital ratio | 25.2344% | 937 |
| Memoranda: | ||
| Average total assets | $578,732,200 | 1,139 |
| Average earning assets | $510,705,000 | 1,201 |
| Average equity | $84,985,600 | 869 |
| Average total loans | $334,687,800 | 1,303 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 5,099 |
| Cost of funding earning assets | 0.7026% | 1,139 |
| Net interest margin | 2.9155% | 5,670 |
| Noninterest income to average assets | 0.3380% | 4,729 |
| Noninterest expense to average assets | 2.1466% | 5,471 |
| Loan and lease loss provision to assets | 0.1860% | 1,315 |
| Net operating income to assets | 0.4083% | 5,211 |
| Return on assets (ROA) | 0.4083% | 5,291 |
| Pretax return on assets | 0.5752% | 5,109 |
| Return on Equity (ROE) | 2.8063% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.8063% | 4,606 |
| Net charge-offs to loans | 0.1158% | 2,644 |
| Credit loss provision to net charge-offs | 279.3103% | 961 |
| Earnings coverage of net charge-offs (x) | 11.4309% | 2,426 |
| Efficiency ratio | 72.9132% | 3,017 |
| Assets per employee ($millions) | 5.7949% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6597% | 6,151 |
| Loan loss allowance to noncurrent loans | 47.8017% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2055% | 2,537 |
| Noncurrent loans to loans | 1.3801% | 2,343 |
| Net loans and leases to total assets | 58.2178% | 4,040 |
| Net loans and leases to deposits | 71.7787% | 3,705 |
| Net loans and leases to core deposits | 72.9069% | 4,062 |
| Total domestic deposits to total assets | 81.1074% | 4,791 |
| Equity capital to assets | 15.2682% | 679 |
| Core capital (leverage) ratio | 14.0693% | 828 |
| Tier 1 risk-based capital ratio | 24.8781% | 894 |
| Total risk-based capital ratio | 25.5749% | 931 |
| Memoranda: | ||
| Average total assets | $580,633,750 | 1,148 |
| Average earning assets | $511,786,500 | 1,203 |
| Average equity | $84,475,750 | 875 |
| Average total loans | $333,810,250 | 1,311 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 5,098 |
| Cost of funding earning assets | 0.7124% | 1,128 |
| Net interest margin | 2.9052% | 5,728 |
| Noninterest income to average assets | 0.2505% | 5,407 |
| Noninterest expense to average assets | 2.1841% | 5,455 |
| Loan and lease loss provision to assets | 0.1904% | 1,280 |
| Net operating income to assets | 0.3143% | 5,517 |
| Return on assets (ROA) | 0.3143% | 5,595 |
| Pretax return on assets | 0.4309% | 5,476 |
| Return on Equity (ROE) | 2.1957% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.1957% | 4,792 |
| Net charge-offs to loans | 0.1562% | 2,139 |
| Credit loss provision to net charge-offs | 213.4615% | 1,109 |
| Earnings coverage of net charge-offs (x) | 6.9654% | 2,696 |
| Efficiency ratio | 76.8619% | 2,476 |
| Assets per employee ($millions) | 5.7523% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 6,306 |
| Loan loss allowance to noncurrent loans | 44.2201% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2560% | 2,596 |
| Noncurrent loans to loans | 1.3700% | 2,523 |
| Net loans and leases to total assets | 56.2817% | 4,246 |
| Net loans and leases to deposits | 69.0969% | 3,928 |
| Net loans and leases to core deposits | 70.5725% | 4,210 |
| Total domestic deposits to total assets | 81.4532% | 4,824 |
| Equity capital to assets | 14.8868% | 728 |
| Core capital (leverage) ratio | 13.7263% | 911 |
| Tier 1 risk-based capital ratio | 25.8375% | 789 |
| Total risk-based capital ratio | 26.4956% | 830 |
| Memoranda: | ||
| Average total assets | $582,946,000 | 1,137 |
| Average earning assets | $512,668,670 | 1,196 |
| Average equity | $83,436,670 | 880 |
| Average total loans | $333,009,670 | 1,312 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 5,116 |
| Cost of funding earning assets | 0.7173% | 1,137 |
| Net interest margin | 2.9011% | 5,750 |
| Noninterest income to average assets | 0.2685% | 5,219 |
| Noninterest expense to average assets | 2.1558% | 5,566 |
| Loan and lease loss provision to assets | 0.1370% | 1,771 |
| Net operating income to assets | 0.3816% | 5,182 |
| Return on assets (ROA) | 0.3816% | 5,255 |
| Pretax return on assets | 0.5275% | 5,086 |
| Return on Equity (ROE) | 2.7201% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.7201% | 4,455 |
| Net charge-offs to loans | 0.2018% | 1,531 |
| Credit loss provision to net charge-offs | 118.3432% | 1,473 |
| Earnings coverage of net charge-offs (x) | 5.7396% | 2,341 |
| Efficiency ratio | 75.2975% | 2,907 |
| Assets per employee ($millions) | 5.7199% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5197% | 6,487 |
| Loan loss allowance to noncurrent loans | 31.1195% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 2,423 |
| Noncurrent loans to loans | 1.6699% | 2,322 |
| Net loans and leases to total assets | 56.7322% | 4,044 |
| Net loans and leases to deposits | 69.3285% | 3,689 |
| Net loans and leases to core deposits | 70.8325% | 4,002 |
| Total domestic deposits to total assets | 81.8310% | 4,988 |
| Equity capital to assets | 14.2772% | 839 |
| Core capital (leverage) ratio | 13.5929% | 948 |
| Tier 1 risk-based capital ratio | 25.1380% | 874 |
| Total risk-based capital ratio | 25.6965% | 931 |
| Memoranda: | ||
| Average total assets | $583,926,500 | 1,145 |
| Average earning assets | $513,601,500 | 1,198 |
| Average equity | $81,910,000 | 897 |
| Average total loans | $335,024,000 | 1,313 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 5,365 |
| Cost of funding earning assets | 0.8137% | 1,136 |
| Net interest margin | 2.8035% | 5,975 |
| Noninterest income to average assets | 0.3306% | 4,968 |
| Noninterest expense to average assets | 2.2298% | 5,555 |
| Loan and lease loss provision to assets | 0.2392% | 1,516 |
| Net operating income to assets | 0.2581% | 5,665 |
| Return on assets (ROA) | 0.2626% | 5,727 |
| Pretax return on assets | 0.3453% | 5,614 |
| Return on Equity (ROE) | 1.8642% | 5,889 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.5658% | 1,160 |
| Credit loss provision to net charge-offs | 75.7083% | 3,151 |
| Earnings coverage of net charge-offs (x) | 1.8311% | 4,438 |
| Efficiency ratio | 78.1818% | 2,446 |
| Assets per employee ($millions) | 5.1719% | 1,986 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5034% | 6,569 |
| Loan loss allowance to noncurrent loans | 22.2222% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 1.8694% | 1,952 |
| Noncurrent loans to loans | 2.2652% | 1,707 |
| Net loans and leases to total assets | 57.4290% | 4,132 |
| Net loans and leases to deposits | 70.0036% | 3,783 |
| Net loans and leases to core deposits | 71.2109% | 4,164 |
| Total domestic deposits to total assets | 82.0372% | 4,860 |
| Equity capital to assets | 13.7781% | 972 |
| Core capital (leverage) ratio | 13.4638% | 967 |
| Tier 1 risk-based capital ratio | 24.7155% | 882 |
| Total risk-based capital ratio | 25.2591% | 945 |
| Memoranda: | ||
| Average total assets | $603,200,400 | 1,102 |
| Average earning assets | $533,126,000 | 1,135 |
| Average equity | $84,969,600 | 839 |
| Average total loans | $336,870,000 | 1,263 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 5,406 |
| Cost of funding earning assets | 0.8259% | 1,184 |
| Net interest margin | 2.7888% | 6,033 |
| Noninterest income to average assets | 0.3174% | 5,158 |
| Noninterest expense to average assets | 2.2620% | 5,454 |
| Loan and lease loss provision to assets | 0.2029% | 1,789 |
| Net operating income to assets | 0.2448% | 5,795 |
| Return on assets (ROA) | 0.2448% | 5,881 |
| Pretax return on assets | 0.3218% | 5,818 |
| Return on Equity (ROE) | 1.7286% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.7286% | 5,276 |
| Net charge-offs to loans | 0.6002% | 1,040 |
| Credit loss provision to net charge-offs | 61.0158% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.5778% | 4,311 |
| Efficiency ratio | 79.9213% | 2,109 |
| Assets per employee ($millions) | 4.9513% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4653% | 6,678 |
| Loan loss allowance to noncurrent loans | 20.5929% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 2.0112% | 1,999 |
| Noncurrent loans to loans | 2.2594% | 1,940 |
| Net loans and leases to total assets | 57.0019% | 4,167 |
| Net loans and leases to deposits | 70.0257% | 3,785 |
| Net loans and leases to core deposits | 71.3659% | 4,167 |
| Total domestic deposits to total assets | 81.4014% | 5,111 |
| Equity capital to assets | 14.2124% | 903 |
| Core capital (leverage) ratio | 13.4721% | 1,036 |
| Tier 1 risk-based capital ratio | 24.9976% | 874 |
| Total risk-based capital ratio | 25.5014% | 946 |
| Memoranda: | ||
| Average total assets | $607,894,000 | 1,103 |
| Average earning assets | $538,231,000 | 1,141 |
| Average equity | $86,081,250 | 830 |
| Average total loans | $336,755,500 | 1,270 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 5,328 |
| Cost of funding earning assets | 0.8331% | 1,243 |
| Net interest margin | 2.8048% | 5,993 |
| Noninterest income to average assets | 0.3765% | 4,699 |
| Noninterest expense to average assets | 2.2706% | 5,446 |
| Loan and lease loss provision to assets | 0.1107% | 2,958 |
| Net operating income to assets | 0.3517% | 5,398 |
| Return on assets (ROA) | 0.3517% | 5,576 |
| Pretax return on assets | 0.4820% | 5,430 |
| Return on Equity (ROE) | 2.4867% | 5,802 |
| Retained earnings to average equity (ytd only) | 2.4867% | 4,719 |
| Net charge-offs to loans | 0.5777% | 1,143 |
| Credit loss provision to net charge-offs | 34.9794% | 3,502 |
| Earnings coverage of net charge-offs (x) | 1.8724% | 3,902 |
| Efficiency ratio | 78.0255% | 2,450 |
| Assets per employee ($millions) | 4.8030% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4573% | 6,738 |
| Loan loss allowance to noncurrent loans | 19.8985% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 2.1154% | 2,040 |
| Noncurrent loans to loans | 2.2983% | 2,056 |
| Net loans and leases to total assets | 55.8788% | 4,315 |
| Net loans and leases to deposits | 68.6019% | 3,919 |
| Net loans and leases to core deposits | 69.9425% | 4,283 |
| Total domestic deposits to total assets | 81.4538% | 5,226 |
| Equity capital to assets | 14.0471% | 958 |
| Core capital (leverage) ratio | 13.3108% | 1,049 |
| Tier 1 risk-based capital ratio | 25.1716% | 858 |
| Total risk-based capital ratio | 25.6662% | 929 |
| Memoranda: | ||
| Average total assets | $614,123,670 | 1,090 |
| Average earning assets | $544,503,330 | 1,123 |
| Average equity | $86,861,670 | 817 |
| Average total loans | $336,531,330 | 1,265 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 5,267 |
| Cost of funding earning assets | 0.8382% | 1,320 |
| Net interest margin | 2.8275% | 5,979 |
| Noninterest income to average assets | 0.5172% | 3,658 |
| Noninterest expense to average assets | 2.2502% | 5,566 |
| Loan and lease loss provision to assets | 0.0353% | 4,002 |
| Net operating income to assets | 0.5236% | 4,557 |
| Return on assets (ROA) | 0.5236% | 4,701 |
| Pretax return on assets | 0.7469% | 4,386 |
| Return on Equity (ROE) | 3.6897% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.6897% | 4,013 |
| Net charge-offs to loans | 0.7203% | 851 |
| Credit loss provision to net charge-offs | 9.0461% | 3,159 |
| Earnings coverage of net charge-offs (x) | 2.0049% | 3,164 |
| Efficiency ratio | 72.8311% | 3,465 |
| Assets per employee ($millions) | 5.3245% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4816% | 6,800 |
| Loan loss allowance to noncurrent loans | 16.9156% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 2.2832% | 2,043 |
| Noncurrent loans to loans | 2.8472% | 1,777 |
| Net loans and leases to total assets | 53.7945% | 4,448 |
| Net loans and leases to deposits | 66.2583% | 4,018 |
| Net loans and leases to core deposits | 67.5850% | 4,349 |
| Total domestic deposits to total assets | 81.1891% | 5,453 |
| Equity capital to assets | 14.3415% | 924 |
| Core capital (leverage) ratio | 12.7683% | 1,209 |
| Tier 1 risk-based capital ratio | 24.7827% | 916 |
| Total risk-based capital ratio | 25.2973% | 989 |
| Memoranda: | ||
| Average total assets | $623,397,500 | 1,089 |
| Average earning assets | $554,548,000 | 1,112 |
| Average equity | $88,462,000 | 811 |
| Average total loans | $337,632,000 | 1,256 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 5,712 |
| Cost of funding earning assets | 0.9964% | 1,380 |
| Net interest margin | 2.8518% | 6,308 |
| Noninterest income to average assets | 0.6465% | 3,010 |
| Noninterest expense to average assets | 2.2047% | 5,914 |
| Loan and lease loss provision to assets | 0.2030% | 3,111 |
| Net operating income to assets | 0.5731% | 4,369 |
| Return on assets (ROA) | 0.5731% | 4,625 |
| Pretax return on assets | 0.7874% | 4,339 |
| Return on Equity (ROE) | 4.2305% | 5,050 |
| Retained earnings to average equity (ytd only) | 0.7187% | 5,510 |
| Net charge-offs to loans | 0.1565% | 4,139 |
| Credit loss provision to net charge-offs | 226.1484% | 1,103 |
| Earnings coverage of net charge-offs (x) | 11.0353% | 2,076 |
| Efficiency ratio | 67.6030% | 4,218 |
| Assets per employee ($millions) | 5.4237% | 1,761 |
| Cash dividends to net income (ytd only)* | 83.0105% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 6,716 |
| Loan loss allowance to noncurrent loans | 21.8195% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 2.2068% | 2,222 |
| Noncurrent loans to loans | 2.9010% | 1,804 |
| Net loans and leases to total assets | 53.9197% | 4,629 |
| Net loans and leases to deposits | 66.7992% | 4,167 |
| Net loans and leases to core deposits | 68.0934% | 4,520 |
| Total domestic deposits to total assets | 80.7192% | 5,476 |
| Equity capital to assets | 14.0418% | 1,033 |
| Core capital (leverage) ratio | 12.3892% | 1,363 |
| Tier 1 risk-based capital ratio | 24.1706% | 950 |
| Total risk-based capital ratio | 24.8529% | 1,000 |
| Memoranda: | ||
| Average total assets | $630,658,400 | 1,048 |
| Average earning assets | $563,615,200 | 1,072 |
| Average equity | $85,428,000 | 822 |
| Average total loans | $361,729,200 | 1,156 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 5,852 |
| Cost of funding earning assets | 1.0251% | 1,420 |
| Net interest margin | 2.8470% | 6,442 |
| Noninterest income to average assets | 0.6677% | 2,887 |
| Noninterest expense to average assets | 2.2479% | 5,824 |
| Loan and lease loss provision to assets | 0.2092% | 2,978 |
| Net operating income to assets | 0.5620% | 4,561 |
| Return on assets (ROA) | 0.5620% | 4,826 |
| Pretax return on assets | 0.7579% | 4,647 |
| Return on Equity (ROE) | 4.1873% | 5,206 |
| Retained earnings to average equity (ytd only) | 4.1873% | 3,947 |
| Net charge-offs to loans | 0.1585% | 3,848 |
| Credit loss provision to net charge-offs | 227.0642% | 1,217 |
| Earnings coverage of net charge-offs (x) | 10.4977% | 2,180 |
| Efficiency ratio | 68.4937% | 3,959 |
| Assets per employee ($millions) | 5.5582% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 6,888 |
| Loan loss allowance to noncurrent loans | 18.1431% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 2.3275% | 2,284 |
| Noncurrent loans to loans | 3.1991% | 1,725 |
| Net loans and leases to total assets | 54.0942% | 4,737 |
| Net loans and leases to deposits | 67.0035% | 4,336 |
| Net loans and leases to core deposits | 68.7324% | 4,646 |
| Total domestic deposits to total assets | 80.7334% | 5,437 |
| Equity capital to assets | 14.2204% | 1,070 |
| Core capital (leverage) ratio | 12.5600% | 1,377 |
| Tier 1 risk-based capital ratio | 24.8452% | 923 |
| Total risk-based capital ratio | 25.4812% | 971 |
| Memoranda: | ||
| Average total assets | $631,036,000 | 1,054 |
| Average earning assets | $564,601,250 | 1,080 |
| Average equity | $84,699,000 | 832 |
| Average total loans | $366,812,500 | 1,151 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 5,885 |
| Cost of funding earning assets | 1.0549% | 1,439 |
| Net interest margin | 2.8557% | 6,488 |
| Noninterest income to average assets | 0.6532% | 2,939 |
| Noninterest expense to average assets | 2.1734% | 6,075 |
| Loan and lease loss provision to assets | 0.1269% | 3,934 |
| Net operating income to assets | 0.6795% | 3,984 |
| Return on assets (ROA) | 0.6795% | 4,244 |
| Pretax return on assets | 0.9090% | 4,040 |
| Return on Equity (ROE) | 5.1654% | 4,728 |
| Retained earnings to average equity (ytd only) | 5.1654% | 3,178 |
| Net charge-offs to loans | 0.1342% | 3,854 |
| Credit loss provision to net charge-offs | 159.3625% | 1,746 |
| Earnings coverage of net charge-offs (x) | 13.0040% | 1,832 |
| Efficiency ratio | 66.2085% | 4,497 |
| Assets per employee ($millions) | 5.8204% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4409% | 7,057 |
| Loan loss allowance to noncurrent loans | 11.9283% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 2.6838% | 2,057 |
| Noncurrent loans to loans | 3.6959% | 1,534 |
| Net loans and leases to total assets | 56.8107% | 4,352 |
| Net loans and leases to deposits | 70.3257% | 3,849 |
| Net loans and leases to core deposits | 72.0955% | 4,285 |
| Total domestic deposits to total assets | 80.7823% | 5,534 |
| Equity capital to assets | 14.0976% | 1,052 |
| Core capital (leverage) ratio | 12.4542% | 1,373 |
| Tier 1 risk-based capital ratio | 24.1477% | 998 |
| Total risk-based capital ratio | 24.6443% | 1,069 |
| Memoranda: | ||
| Average total assets | $630,171,330 | 1,054 |
| Average earning assets | $564,060,000 | 1,077 |
| Average equity | $82,897,000 | 839 |
| Average total loans | $374,164,000 | 1,130 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 5,929 |
| Cost of funding earning assets | 1.0815% | 1,490 |
| Net interest margin | 2.8562% | 6,546 |
| Noninterest income to average assets | 0.5598% | 3,499 |
| Noninterest expense to average assets | 2.2037% | 6,037 |
| Loan and lease loss provision to assets | 0.0955% | 4,158 |
| Net operating income to assets | 0.5751% | 4,470 |
| Return on assets (ROA) | 0.5751% | 4,695 |
| Pretax return on assets | 0.8273% | 4,310 |
| Return on Equity (ROE) | 4.5362% | 5,022 |
| Retained earnings to average equity (ytd only) | 4.5362% | 3,861 |
| Net charge-offs to loans | 0.1599% | 3,135 |
| Credit loss provision to net charge-offs | 98.6842% | 2,396 |
| Earnings coverage of net charge-offs (x) | 9.5329% | 1,834 |
| Efficiency ratio | 68.6902% | 4,036 |
| Assets per employee ($millions) | 5.9225% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3863% | 7,140 |
| Loan loss allowance to noncurrent loans | 11.0230% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 2.6614% | 2,217 |
| Noncurrent loans to loans | 3.5049% | 1,780 |
| Net loans and leases to total assets | 58.2483% | 3,994 |
| Net loans and leases to deposits | 71.9748% | 3,440 |
| Net loans and leases to core deposits | 73.6289% | 3,943 |
| Total domestic deposits to total assets | 80.9288% | 5,624 |
| Equity capital to assets | 13.6561% | 1,171 |
| Core capital (leverage) ratio | 12.1423% | 1,508 |
| Tier 1 risk-based capital ratio | 23.4612% | 1,071 |
| Total risk-based capital ratio | 23.9056% | 1,161 |
| Memoranda: | ||
| Average total assets | $628,044,000 | 1,054 |
| Average earning assets | $564,389,500 | 1,081 |
| Average equity | $79,626,000 | 869 |
| Average total loans | $380,237,000 | 1,113 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 5,519 |
| Cost of funding earning assets | 1.2066% | 1,985 |
| Net interest margin | 3.1682% | 6,173 |
| Noninterest income to average assets | 0.5572% | 3,456 |
| Noninterest expense to average assets | 2.3647% | 5,865 |
| Loan and lease loss provision to assets | 0.1261% | 5,034 |
| Net operating income to assets | 0.6730% | 3,617 |
| Return on assets (ROA) | 0.6730% | 3,810 |
| Pretax return on assets | 0.9151% | 3,559 |
| Return on Equity (ROE) | 5.5606% | 4,099 |
| Retained earnings to average equity (ytd only) | -16.7591% | 6,908 |
| Net charge-offs to loans | -0.0188% | 6,948 |
| Credit loss provision to net charge-offs | -1,014.4928% | 6,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9546% | 4,163 |
| Assets per employee ($millions) | 5.5041% | 1,633 |
| Cash dividends to net income (ytd only)* | 401.3915% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3744% | 7,180 |
| Loan loss allowance to noncurrent loans | 11.8219% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 2.6011% | 2,333 |
| Noncurrent loans to loans | 3.1672% | 2,047 |
| Net loans and leases to total assets | 62.4548% | 3,512 |
| Net loans and leases to deposits | 75.8167% | 3,205 |
| Net loans and leases to core deposits | 84.6163% | 2,798 |
| Total domestic deposits to total assets | 82.3761% | 5,004 |
| Equity capital to assets | 11.6640% | 2,368 |
| Core capital (leverage) ratio | 9.9541% | 3,393 |
| Tier 1 risk-based capital ratio | 18.3579% | 2,089 |
| Total risk-based capital ratio | 18.7993% | 2,332 |
| Memoranda: | ||
| Average total assets | $555,254,400 | 1,188 |
| Average earning assets | $499,239,000 | 1,213 |
| Average equity | $67,205,200 | 999 |
| Average total loans | $367,297,600 | 1,152 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 5,550 |
| Cost of funding earning assets | 1.2215% | 2,180 |
| Net interest margin | 3.1962% | 6,167 |
| Noninterest income to average assets | 0.4650% | 4,170 |
| Noninterest expense to average assets | 2.3974% | 5,772 |
| Loan and lease loss provision to assets | 0.0988% | 5,222 |
| Net operating income to assets | 0.6440% | 3,906 |
| Return on assets (ROA) | 0.6440% | 4,084 |
| Pretax return on assets | 0.8484% | 3,956 |
| Return on Equity (ROE) | 5.2661% | 4,417 |
| Retained earnings to average equity (ytd only) | -25.0221% | 7,156 |
| Net charge-offs to loans | -0.0478% | 7,044 |
| Credit loss provision to net charge-offs | -307.6923% | 6,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6796% | 3,623 |
| Assets per employee ($millions) | 5.3169% | 1,794 |
| Cash dividends to net income (ytd only)* | 575.1528% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3517% | 7,262 |
| Loan loss allowance to noncurrent loans | 11.2815% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 2.7702% | 2,347 |
| Noncurrent loans to loans | 3.1172% | 2,229 |
| Net loans and leases to total assets | 66.2639% | 2,839 |
| Net loans and leases to deposits | 82.4600% | 2,269 |
| Net loans and leases to core deposits | 84.4040% | 3,003 |
| Total domestic deposits to total assets | 80.3588% | 5,630 |
| Equity capital to assets | 11.7474% | 2,453 |
| Core capital (leverage) ratio | 9.9587% | 3,495 |
| Tier 1 risk-based capital ratio | 17.8617% | 2,305 |
| Total risk-based capital ratio | 18.2898% | 2,588 |
| Memoranda: | ||
| Average total assets | $539,952,250 | 1,229 |
| Average earning assets | $486,475,000 | 1,259 |
| Average equity | $66,030,500 | 1,026 |
| Average total loans | $362,507,500 | 1,181 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 6,074 |
| Cost of funding earning assets | 1.2176% | 2,459 |
| Net interest margin | 3.0650% | 6,477 |
| Noninterest income to average assets | 0.4545% | 4,254 |
| Noninterest expense to average assets | 2.3788% | 5,908 |
| Loan and lease loss provision to assets | 0.0770% | 5,348 |
| Net operating income to assets | 0.6254% | 3,933 |
| Return on assets (ROA) | 0.6254% | 4,059 |
| Pretax return on assets | 0.7705% | 4,143 |
| Return on Equity (ROE) | 5.0377% | 4,433 |
| Retained earnings to average equity (ytd only) | -41.4639% | 7,311 |
| Net charge-offs to loans | -0.1148% | 7,199 |
| Credit loss provision to net charge-offs | -99.5025% | 6,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7326% | 3,408 |
| Assets per employee ($millions) | 4.9777% | 2,163 |
| Cash dividends to net income (ytd only)* | 923.0769% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3384% | 7,325 |
| Loan loss allowance to noncurrent loans | 13.6364% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 2.3180% | 2,843 |
| Noncurrent loans to loans | 2.4813% | 2,905 |
| Net loans and leases to total assets | 68.3438% | 2,548 |
| Net loans and leases to deposits | 85.5818% | 1,845 |
| Net loans and leases to core deposits | 89.4259% | 2,447 |
| Total domestic deposits to total assets | 79.8579% | 5,862 |
| Equity capital to assets | 11.6132% | 2,400 |
| Core capital (leverage) ratio | 9.8312% | 3,477 |
| Tier 1 risk-based capital ratio | 17.3414% | 2,398 |
| Total risk-based capital ratio | 17.7590% | 2,696 |
| Memoranda: | ||
| Average total assets | $519,665,330 | 1,296 |
| Average earning assets | $469,948,330 | 1,316 |
| Average equity | $64,514,000 | 1,047 |
| Average total loans | $350,167,670 | 1,235 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 7,139 |
| Cost of funding earning assets | 1.1157% | 3,414 |
| Net interest margin | 2.4842% | 7,208 |
| Noninterest income to average assets | 0.1863% | 6,389 |
| Noninterest expense to average assets | 1.7578% | 7,181 |
| Loan and lease loss provision to assets | 0.1248% | 4,439 |
| Net operating income to assets | 0.5673% | 4,196 |
| Return on assets (ROA) | 0.5673% | 4,268 |
| Pretax return on assets | 0.5673% | 4,810 |
| Return on Equity (ROE) | 4.3938% | 4,702 |
| Retained earnings to average equity (ytd only) | -92.2448% | 7,485 |
| Net charge-offs to loans | -0.2509% | 7,304 |
| Credit loss provision to net charge-offs | -74.6269% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7487% | 3,921 |
| Assets per employee ($millions) | 5.0582% | 2,081 |
| Cash dividends to net income (ytd only)* | 2,199.4135% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3243% | 7,392 |
| Loan loss allowance to noncurrent loans | 12.1686% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 2.5655% | 2,665 |
| Noncurrent loans to loans | 2.6648% | 2,827 |
| Net loans and leases to total assets | 68.1123% | 2,525 |
| Net loans and leases to deposits | 85.3531% | 1,827 |
| Net loans and leases to core deposits | 87.5586% | 2,660 |
| Total domestic deposits to total assets | 79.8007% | 5,995 |
| Equity capital to assets | 11.0944% | 2,596 |
| Core capital (leverage) ratio | 9.4787% | 3,847 |
| Tier 1 risk-based capital ratio | 16.9054% | 2,516 |
| Total risk-based capital ratio | 17.3074% | 2,855 |
| Memoranda: | ||
| Average total assets | $480,838,000 | 1,407 |
| Average earning assets | $438,122,500 | 1,408 |
| Average equity | $62,087,000 | 1,084 |
| Average total loans | $320,443,000 | 1,367 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 5,750 |
| Cost of funding earning assets | 1.4724% | 2,807 |
| Net interest margin | 3.2438% | 6,157 |
| Noninterest income to average assets | 0.3883% | 4,989 |
| Noninterest expense to average assets | 2.2196% | 6,567 |
| Loan and lease loss provision to assets | 0.1600% | 5,607 |
| Net operating income to assets | 0.7027% | 3,221 |
| Return on assets (ROA) | 0.7065% | 3,331 |
| Pretax return on assets | 1.0634% | 2,718 |
| Return on Equity (ROE) | 4.3418% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.3418% | 2,799 |
| Net charge-offs to loans | 0.1689% | 5,316 |
| Credit loss provision to net charge-offs | 136.1386% | 2,832 |
| Earnings coverage of net charge-offs (x) | 10.3614% | 1,717 |
| Efficiency ratio | 64.5765% | 5,246 |
| Assets per employee ($millions) | 6.3339% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4520% | 7,392 |
| Loan loss allowance to noncurrent loans | 21.0461% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9349% | 3,430 |
| Noncurrent loans to loans | 2.1476% | 3,371 |
| Net loans and leases to total assets | 63.4603% | 3,974 |
| Net loans and leases to deposits | 84.2126% | 2,419 |
| Net loans and leases to core deposits | 84.3189% | 3,551 |
| Total domestic deposits to total assets | 75.3572% | 6,718 |
| Equity capital to assets | 16.0230% | 578 |
| Core capital (leverage) ratio | 16.2392% | 484 |
| Tier 1 risk-based capital ratio | 34.3135% | 360 |
| Total risk-based capital ratio | 34.9197% | 374 |
| Memoranda: | ||
| Average total assets | $343,794,600 | 1,900 |
| Average earning assets | $323,142,000 | 1,847 |
| Average equity | $55,944,200 | 1,186 |
| Average total loans | $239,214,200 | 1,824 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 5,434 |
| Cost of funding earning assets | 1.5329% | 2,755 |
| Net interest margin | 3.3283% | 5,929 |
| Noninterest income to average assets | 0.3147% | 5,633 |
| Noninterest expense to average assets | 2.2622% | 6,431 |
| Loan and lease loss provision to assets | 0.0977% | 6,041 |
| Net operating income to assets | 0.7165% | 3,342 |
| Return on assets (ROA) | 0.7216% | 3,473 |
| Pretax return on assets | 1.0946% | 2,841 |
| Return on Equity (ROE) | 4.4171% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.4171% | 3,392 |
| Net charge-offs to loans | 0.0858% | 5,676 |
| Credit loss provision to net charge-offs | 160.2564% | 2,362 |
| Earnings coverage of net charge-offs (x) | 19.4235% | 1,212 |
| Efficiency ratio | 65.6346% | 4,937 |
| Assets per employee ($millions) | 6.1121% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4100% | 7,525 |
| Loan loss allowance to noncurrent loans | 28.6348% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4763% | 4,239 |
| Noncurrent loans to loans | 1.4319% | 4,468 |
| Net loans and leases to total assets | 68.7625% | 3,039 |
| Net loans and leases to deposits | 93.3412% | 1,276 |
| Net loans and leases to core deposits | 93.6603% | 2,571 |
| Total domestic deposits to total assets | 73.6680% | 6,964 |
| Equity capital to assets | 16.7307% | 553 |
| Core capital (leverage) ratio | 16.6550% | 473 |
| Tier 1 risk-based capital ratio | 34.2267% | 370 |
| Total risk-based capital ratio | 34.8093% | 386 |
| Memoranda: | ||
| Average total assets | $341,069,250 | 1,942 |
| Average earning assets | $320,954,250 | 1,875 |
| Average equity | $55,722,000 | 1,191 |
| Average total loans | $242,489,500 | 1,826 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9494% | 5,180 |
| Cost of funding earning assets | 1.5850% | 2,746 |
| Net interest margin | 3.3645% | 5,779 |
| Noninterest income to average assets | 0.1949% | 6,504 |
| Noninterest expense to average assets | 2.2984% | 6,357 |
| Loan and lease loss provision to assets | 0.0587% | 6,370 |
| Net operating income to assets | 0.6389% | 3,687 |
| Return on assets (ROA) | 0.6464% | 3,796 |
| Pretax return on assets | 1.0174% | 3,052 |
| Return on Equity (ROE) | 3.9886% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.9886% | 3,541 |
| Net charge-offs to loans | 0.0466% | 5,736 |
| Credit loss provision to net charge-offs | 175.4386% | 2,231 |
| Earnings coverage of net charge-offs (x) | 31.8070% | 884 |
| Efficiency ratio | 68.3485% | 4,507 |
| Assets per employee ($millions) | 5.7939% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3781% | 7,612 |
| Loan loss allowance to noncurrent loans | 32.3810% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 1.3041% | 4,544 |
| Noncurrent loans to loans | 1.1676% | 5,004 |
| Net loans and leases to total assets | 70.7607% | 2,724 |
| Net loans and leases to deposits | 98.5560% | 826 |
| Net loans and leases to core deposits | 98.9014% | 2,133 |
| Total domestic deposits to total assets | 71.7974% | 7,195 |
| Equity capital to assets | 16.4989% | 598 |
| Core capital (leverage) ratio | 16.4517% | 507 |
| Tier 1 risk-based capital ratio | 33.4255% | 391 |
| Total risk-based capital ratio | 33.9716% | 399 |
| Memoranda: | ||
| Average total assets | $340,667,330 | 1,961 |
| Average earning assets | $320,764,330 | 1,892 |
| Average equity | $55,207,670 | 1,197 |
| Average total loans | $244,544,000 | 1,842 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 5,140 |
| Cost of funding earning assets | 1.6244% | 2,805 |
| Net interest margin | 3.3498% | 5,787 |
| Noninterest income to average assets | 0.1788% | 6,681 |
| Noninterest expense to average assets | 2.3794% | 6,164 |
| Loan and lease loss provision to assets | 0.0470% | 6,195 |
| Net operating income to assets | 0.5928% | 3,920 |
| Return on assets (ROA) | 0.6081% | 4,006 |
| Pretax return on assets | 0.9339% | 3,330 |
| Return on Equity (ROE) | 3.7867% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.7867% | 3,872 |
| Net charge-offs to loans | 0.0554% | 4,848 |
| Credit loss provision to net charge-offs | 117.6471% | 2,965 |
| Earnings coverage of net charge-offs (x) | 23.9412% | 1,041 |
| Efficiency ratio | 71.3077% | 4,067 |
| Assets per employee ($millions) | 5.9391% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3627% | 7,712 |
| Loan loss allowance to noncurrent loans | 55.6116% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 5,072 |
| Noncurrent loans to loans | 0.6522% | 6,019 |
| Net loans and leases to total assets | 70.3372% | 2,849 |
| Net loans and leases to deposits | 97.9947% | 911 |
| Net loans and leases to core deposits | 98.3108% | 2,311 |
| Total domestic deposits to total assets | 71.7765% | 7,281 |
| Equity capital to assets | 15.9611% | 676 |
| Core capital (leverage) ratio | 16.0039% | 580 |
| Tier 1 risk-based capital ratio | 32.6348% | 416 |
| Total risk-based capital ratio | 33.1565% | 433 |
| Memoranda: | ||
| Average total assets | $340,080,500 | 2,017 |
| Average earning assets | $320,614,500 | 1,943 |
| Average equity | $54,611,500 | 1,222 |
| Average total loans | $245,412,500 | 1,888 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 5,713 |
| Cost of funding earning assets | 2.1094% | 2,418 |
| Net interest margin | 3.0774% | 6,445 |
| Noninterest income to average assets | 0.1958% | 6,694 |
| Noninterest expense to average assets | 2.3119% | 6,717 |
| Loan and lease loss provision to assets | 0.2542% | 5,364 |
| Net operating income to assets | 0.3386% | 4,380 |
| Return on assets (ROA) | 0.3632% | 4,375 |
| Pretax return on assets | 0.5617% | 4,014 |
| Return on Equity (ROE) | 2.1745% | 4,841 |
| Retained earnings to average equity (ytd only) | -4.0244% | 5,867 |
| Net charge-offs to loans | 0.2435% | 5,101 |
| Credit loss provision to net charge-offs | 136.6987% | 3,608 |
| Earnings coverage of net charge-offs (x) | 4.1843% | 3,025 |
| Efficiency ratio | 74.8216% | 3,741 |
| Assets per employee ($millions) | 5.7878% | 1,391 |
| Cash dividends to net income (ytd only)* | 285.0697% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3537% | 7,792 |
| Loan loss allowance to noncurrent loans | 38.0539% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 4,490 |
| Noncurrent loans to loans | 0.9295% | 5,454 |
| Net loans and leases to total assets | 73.5130% | 2,378 |
| Net loans and leases to deposits | 101.0929% | 814 |
| Net loans and leases to core deposits | 115.9709% | 2,321 |
| Total domestic deposits to total assets | 72.7182% | 7,184 |
| Equity capital to assets | 16.1582% | 676 |
| Core capital (leverage) ratio | 16.2408% | 580 |
| Tier 1 risk-based capital ratio | 32.3909% | 436 |
| Total risk-based capital ratio | 32.9104% | 444 |
| Memoranda: | ||
| Average total assets | $335,611,000 | 2,024 |
| Average earning assets | $315,627,800 | 1,977 |
| Average equity | $56,057,600 | 1,175 |
| Average total loans | $256,311,200 | 1,858 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 5,665 |
| Cost of funding earning assets | 2.2075% | 2,376 |
| Net interest margin | 3.0458% | 6,474 |
| Noninterest income to average assets | 0.1605% | 7,050 |
| Noninterest expense to average assets | 2.3159% | 6,655 |
| Loan and lease loss provision to assets | 0.3190% | 4,435 |
| Net operating income to assets | 0.2538% | 4,974 |
| Return on assets (ROA) | 0.3039% | 4,882 |
| Pretax return on assets | 0.4680% | 4,621 |
| Return on Equity (ROE) | 1.8049% | 5,230 |
| Retained earnings to average equity (ytd only) | 1.8049% | 4,306 |
| Net charge-offs to loans | 0.2945% | 4,183 |
| Credit loss provision to net charge-offs | 140.6305% | 3,493 |
| Earnings coverage of net charge-offs (x) | 3.1296% | 3,669 |
| Efficiency ratio | 76.5362% | 3,415 |
| Assets per employee ($millions) | 5.8816% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3477% | 7,874 |
| Loan loss allowance to noncurrent loans | 73.6181% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 4,937 |
| Noncurrent loans to loans | 0.4724% | 6,376 |
| Net loans and leases to total assets | 75.1361% | 2,215 |
| Net loans and leases to deposits | 106.9691% | 609 |
| Net loans and leases to core deposits | 123.1347% | 1,985 |
| Total domestic deposits to total assets | 70.2409% | 7,395 |
| Equity capital to assets | 17.0903% | 619 |
| Core capital (leverage) ratio | 17.0754% | 548 |
| Tier 1 risk-based capital ratio | 33.9308% | 406 |
| Total risk-based capital ratio | 34.4519% | 423 |
| Memoranda: | ||
| Average total assets | $335,590,500 | 2,042 |
| Average earning assets | $315,704,000 | 1,996 |
| Average equity | $56,511,500 | 1,185 |
| Average total loans | $258,475,500 | 1,870 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 5,521 |
| Cost of funding earning assets | 2.2906% | 2,389 |
| Net interest margin | 3.0364% | 6,447 |
| Noninterest income to average assets | 0.1525% | 7,182 |
| Noninterest expense to average assets | 2.3652% | 6,573 |
| Loan and lease loss provision to assets | 0.2693% | 4,428 |
| Net operating income to assets | 0.2623% | 5,037 |
| Return on assets (ROA) | 0.3295% | 4,880 |
| Pretax return on assets | 0.4689% | 4,720 |
| Return on Equity (ROE) | 1.9662% | 5,313 |
| Retained earnings to average equity (ytd only) | 1.9662% | 4,248 |
| Net charge-offs to loans | 0.1705% | 4,523 |
| Credit loss provision to net charge-offs | 203.6036% | 2,234 |
| Earnings coverage of net charge-offs (x) | 4.8559% | 2,983 |
| Efficiency ratio | 78.6450% | 3,245 |
| Assets per employee ($millions) | 5.8650% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3470% | 7,951 |
| Loan loss allowance to noncurrent loans | 76.9974% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 5,101 |
| Noncurrent loans to loans | 0.4507% | 6,398 |
| Net loans and leases to total assets | 75.3282% | 2,361 |
| Net loans and leases to deposits | 108.5494% | 623 |
| Net loans and leases to core deposits | 125.1807% | 1,934 |
| Total domestic deposits to total assets | 69.3953% | 7,521 |
| Equity capital to assets | 17.0063% | 664 |
| Core capital (leverage) ratio | 17.0292% | 609 |
| Tier 1 risk-based capital ratio | 33.6633% | 456 |
| Total risk-based capital ratio | 34.1815% | 460 |
| Memoranda: | ||
| Average total assets | $335,704,330 | 2,065 |
| Average earning assets | $315,640,670 | 2,018 |
| Average equity | $56,250,330 | 1,200 |
| Average total loans | $260,376,670 | 1,881 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4674% | 5,077 |
| Cost of funding earning assets | 2.3661% | 2,433 |
| Net interest margin | 3.1013% | 6,198 |
| Noninterest income to average assets | 0.1819% | 6,992 |
| Noninterest expense to average assets | 2.2461% | 6,707 |
| Loan and lease loss provision to assets | 0.4007% | 2,917 |
| Net operating income to assets | 0.3294% | 5,164 |
| Return on assets (ROA) | 0.3876% | 5,084 |
| Pretax return on assets | 0.5351% | 4,961 |
| Return on Equity (ROE) | 2.3307% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.3307% | 4,582 |
| Net charge-offs to loans | 0.2952% | 2,928 |
| Credit loss provision to net charge-offs | 172.8205% | 2,484 |
| Earnings coverage of net charge-offs (x) | 3.6872% | 3,099 |
| Efficiency ratio | 72.4310% | 4,118 |
| Assets per employee ($millions) | 5.9814% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3042% | 8,028 |
| Loan loss allowance to noncurrent loans | 50.2868% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0753% | 4,541 |
| Noncurrent loans to loans | 0.6050% | 5,882 |
| Net loans and leases to total assets | 75.8339% | 2,305 |
| Net loans and leases to deposits | 108.4377% | 702 |
| Net loans and leases to core deposits | 124.5365% | 2,035 |
| Total domestic deposits to total assets | 69.9332% | 7,430 |
| Equity capital to assets | 16.4556% | 801 |
| Core capital (leverage) ratio | 16.4958% | 716 |
| Tier 1 risk-based capital ratio | 32.5671% | 506 |
| Total risk-based capital ratio | 33.0236% | 528 |
| Memoranda: | ||
| Average total assets | $336,404,000 | 2,070 |
| Average earning assets | $316,641,500 | 2,014 |
| Average equity | $55,949,000 | 1,212 |
| Average total loans | $264,213,500 | 1,873 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8713% | 6,177 |
| Cost of funding earning assets | 2.7861% | 2,766 |
| Net interest margin | 3.0852% | 6,693 |
| Noninterest income to average assets | 0.1453% | 7,376 |
| Noninterest expense to average assets | 2.1981% | 6,967 |
| Loan and lease loss provision to assets | 0.2049% | 4,840 |
| Net operating income to assets | 0.4605% | 4,904 |
| Return on assets (ROA) | 0.4694% | 4,693 |
| Pretax return on assets | 0.6690% | 4,492 |
| Return on Equity (ROE) | 2.8094% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.8094% | 3,432 |
| Net charge-offs to loans | 0.0685% | 5,791 |
| Credit loss provision to net charge-offs | 374.7191% | 1,175 |
| Earnings coverage of net charge-offs (x) | 15.7528% | 1,908 |
| Efficiency ratio | 71.8474% | 3,965 |
| Assets per employee ($millions) | 5.8222% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2523% | 8,124 |
| Loan loss allowance to noncurrent loans | 30.1510% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 4,335 |
| Noncurrent loans to loans | 0.8369% | 4,961 |
| Net loans and leases to total assets | 80.8788% | 1,471 |
| Net loans and leases to deposits | 117.9762% | 443 |
| Net loans and leases to core deposits | 135.9472% | 1,489 |
| Total domestic deposits to total assets | 68.5552% | 7,418 |
| Equity capital to assets | 16.8122% | 795 |
| Core capital (leverage) ratio | 16.8420% | 716 |
| Tier 1 risk-based capital ratio | 32.1379% | 543 |
| Total risk-based capital ratio | 32.5321% | 570 |
| Memoranda: | ||
| Average total assets | $325,548,200 | 2,052 |
| Average earning assets | $307,495,800 | 1,986 |
| Average equity | $54,388,000 | 1,240 |
| Average total loans | $259,829,400 | 1,834 |