Home > Citizens Bank of Northern Kentucky, Inc. > Performance and Condition Ratios
Citizens Bank of Northern Kentucky, Inc., Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 3,392 |
| Cost of funding earning assets | 0.3793% | 3,214 |
| Net interest margin | 3.5685% | 3,193 |
| Noninterest income to average assets | 0.9542% | 1,252 |
| Noninterest expense to average assets | 3.9088% | 679 |
| Loan and lease loss provision to assets | -0.1210% | 5,708 |
| Net operating income to assets | 0.3153% | 5,181 |
| Return on assets (ROA) | 0.4978% | 4,718 |
| Pretax return on assets | 0.6381% | 4,683 |
| Return on Equity (ROE) | 4.6452% | 4,592 |
| Retained earnings to average equity (ytd only) | -4.3405% | 5,653 |
| Net charge-offs to loans | 0.0543% | 2,953 |
| Credit loss provision to net charge-offs | -365.8228% | 5,116 |
| Earnings coverage of net charge-offs (x) | 8.5570% | 2,860 |
| Efficiency ratio | 93.2481% | 414 |
| Assets per employee ($millions) | 3.9094% | 4,130 |
| Cash dividends to net income (ytd only)* | 193.4399% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,555 |
| Loan loss allowance to noncurrent loans | 154.5380% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 2,883 |
| Noncurrent loans to loans | 0.8401% | 2,423 |
| Net loans and leases to total assets | 60.7039% | 3,773 |
| Net loans and leases to deposits | 69.6996% | 3,938 |
| Net loans and leases to core deposits | 70.0142% | 4,243 |
| Total domestic deposits to total assets | 87.0936% | 2,089 |
| Equity capital to assets | 10.2841% | 3,408 |
| Core capital (leverage) ratio | 10.6823% | 2,677 |
| Tier 1 risk-based capital ratio | 15.2434% | 2,864 |
| Total risk-based capital ratio | 16.4012% | 2,835 |
| Memoranda: | ||
| Average total assets | $238,848,600 | 2,587 |
| Average earning assets | $216,701,800 | 2,630 |
| Average equity | $25,596,200 | 2,672 |
| Average total loans | $145,559,000 | 2,702 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 3,292 |
| Cost of funding earning assets | 0.4519% | 2,544 |
| Net interest margin | 3.5310% | 3,356 |
| Noninterest income to average assets | 1.0064% | 1,135 |
| Noninterest expense to average assets | 3.9946% | 593 |
| Loan and lease loss provision to assets | -0.2356% | 5,883 |
| Net operating income to assets | 0.3477% | 5,173 |
| Return on assets (ROA) | 0.5852% | 4,464 |
| Pretax return on assets | 0.7608% | 4,438 |
| Return on Equity (ROE) | 5.4072% | 4,349 |
| Retained earnings to average equity (ytd only) | -2.2954% | 5,612 |
| Net charge-offs to loans | 0.0676% | 2,358 |
| Credit loss provision to net charge-offs | -572.9730% | 5,104 |
| Earnings coverage of net charge-offs (x) | 5.2705% | 3,154 |
| Efficiency ratio | 94.8535% | 355 |
| Assets per employee ($millions) | 3.5760% | 4,678 |
| Cash dividends to net income (ytd only)* | 142.4506% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 3,197 |
| Loan loss allowance to noncurrent loans | 142.5184% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 2,669 |
| Noncurrent loans to loans | 0.8464% | 2,565 |
| Net loans and leases to total assets | 62.3697% | 3,604 |
| Net loans and leases to deposits | 72.3269% | 3,772 |
| Net loans and leases to core deposits | 72.6694% | 4,107 |
| Total domestic deposits to total assets | 86.2330% | 2,248 |
| Equity capital to assets | 11.1506% | 2,856 |
| Core capital (leverage) ratio | 10.4322% | 3,068 |
| Tier 1 risk-based capital ratio | 15.3706% | 2,884 |
| Total risk-based capital ratio | 16.4284% | 2,902 |
| Memoranda: | ||
| Average total assets | $239,919,500 | 2,588 |
| Average earning assets | $217,758,500 | 2,628 |
| Average equity | $25,964,500 | 2,662 |
| Average total loans | $145,883,000 | 2,695 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 3,401 |
| Cost of funding earning assets | 0.4694% | 2,377 |
| Net interest margin | 3.4868% | 3,535 |
| Noninterest income to average assets | 0.8711% | 1,467 |
| Noninterest expense to average assets | 3.5903% | 1,020 |
| Loan and lease loss provision to assets | -0.2422% | 5,954 |
| Net operating income to assets | 0.5355% | 4,540 |
| Return on assets (ROA) | 0.5304% | 4,680 |
| Pretax return on assets | 0.6757% | 4,695 |
| Return on Equity (ROE) | 4.9478% | 4,542 |
| Retained earnings to average equity (ytd only) | -6.5409% | 5,804 |
| Net charge-offs to loans | 0.1025% | 1,806 |
| Credit loss provision to net charge-offs | -393.3333% | 4,879 |
| Earnings coverage of net charge-offs (x) | 7.1467% | 2,662 |
| Efficiency ratio | 89.0813% | 649 |
| Assets per employee ($millions) | 3.5997% | 4,597 |
| Cash dividends to net income (ytd only)* | 232.1981% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,880 |
| Loan loss allowance to noncurrent loans | 192.0945% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 2,019 |
| Noncurrent loans to loans | 0.6684% | 3,066 |
| Net loans and leases to total assets | 59.6452% | 3,929 |
| Net loans and leases to deposits | 73.9771% | 3,597 |
| Net loans and leases to core deposits | 74.2364% | 3,964 |
| Total domestic deposits to total assets | 80.6266% | 4,385 |
| Equity capital to assets | 10.6497% | 3,470 |
| Core capital (leverage) ratio | 10.2531% | 3,266 |
| Tier 1 risk-based capital ratio | 14.7185% | 3,196 |
| Total risk-based capital ratio | 15.8237% | 3,211 |
| Memoranda: | ||
| Average total assets | $243,604,000 | 2,582 |
| Average earning assets | $220,717,670 | 2,607 |
| Average equity | $26,112,670 | 2,659 |
| Average total loans | $146,348,670 | 2,699 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 3,371 |
| Cost of funding earning assets | 0.4806% | 2,272 |
| Net interest margin | 3.4767% | 3,567 |
| Noninterest income to average assets | 0.7549% | 1,802 |
| Noninterest expense to average assets | 3.4965% | 1,186 |
| Loan and lease loss provision to assets | -0.0784% | 5,967 |
| Net operating income to assets | 0.3858% | 5,039 |
| Return on assets (ROA) | 0.3791% | 5,126 |
| Pretax return on assets | 0.4608% | 5,184 |
| Return on Equity (ROE) | 3.5250% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.5250% | 3,731 |
| Net charge-offs to loans | 0.1746% | 1,096 |
| Credit loss provision to net charge-offs | -75.0000% | 4,188 |
| Earnings coverage of net charge-offs (x) | 3.7344% | 2,505 |
| Efficiency ratio | 89.9538% | 677 |
| Assets per employee ($millions) | 3.6484% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 2,215 |
| Loan loss allowance to noncurrent loans | 203.5373% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3398% | 1,588 |
| Noncurrent loans to loans | 0.7110% | 3,069 |
| Net loans and leases to total assets | 59.3149% | 3,872 |
| Net loans and leases to deposits | 73.5924% | 3,487 |
| Net loans and leases to core deposits | 73.8461% | 3,913 |
| Total domestic deposits to total assets | 80.5992% | 4,607 |
| Equity capital to assets | 10.8582% | 3,108 |
| Core capital (leverage) ratio | 10.6712% | 2,770 |
| Tier 1 risk-based capital ratio | 14.8042% | 3,245 |
| Total risk-based capital ratio | 16.0163% | 3,195 |
| Memoranda: | ||
| Average total assets | $244,815,500 | 2,584 |
| Average earning assets | $220,553,500 | 2,614 |
| Average equity | $26,326,500 | 2,640 |
| Average total loans | $146,661,000 | 2,697 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,248 |
| Cost of funding earning assets | 0.4738% | 2,406 |
| Net interest margin | 3.5435% | 3,357 |
| Noninterest income to average assets | 0.8718% | 1,526 |
| Noninterest expense to average assets | 3.5979% | 1,130 |
| Loan and lease loss provision to assets | -0.0452% | 5,730 |
| Net operating income to assets | 0.4384% | 4,922 |
| Return on assets (ROA) | 0.4811% | 4,850 |
| Pretax return on assets | 0.5889% | 4,875 |
| Return on Equity (ROE) | 4.6650% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.6650% | 2,668 |
| Net charge-offs to loans | 0.0331% | 3,548 |
| Credit loss provision to net charge-offs | -228.5714% | 5,293 |
| Earnings coverage of net charge-offs (x) | 24.8571% | 1,649 |
| Efficiency ratio | 87.9787% | 836 |
| Assets per employee ($millions) | 3.6057% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,852 |
| Loan loss allowance to noncurrent loans | 183.6885% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 1,698 |
| Noncurrent loans to loans | 0.8345% | 2,701 |
| Net loans and leases to total assets | 58.7145% | 3,999 |
| Net loans and leases to deposits | 72.6588% | 3,649 |
| Net loans and leases to core deposits | 72.9075% | 4,045 |
| Total domestic deposits to total assets | 80.8086% | 4,543 |
| Equity capital to assets | 10.6494% | 3,187 |
| Core capital (leverage) ratio | 10.7886% | 2,615 |
| Tier 1 risk-based capital ratio | 14.4169% | 3,484 |
| Total risk-based capital ratio | 15.6672% | 3,399 |
| Memoranda: | ||
| Average total assets | $247,756,800 | 2,523 |
| Average earning assets | $224,977,400 | 2,548 |
| Average equity | $25,552,200 | 2,648 |
| Average total loans | $147,933,400 | 2,625 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 3,333 |
| Cost of funding earning assets | 0.4743% | 2,458 |
| Net interest margin | 3.5277% | 3,437 |
| Noninterest income to average assets | 0.8985% | 1,455 |
| Noninterest expense to average assets | 3.6129% | 1,095 |
| Loan and lease loss provision to assets | 0.0252% | 3,761 |
| Net operating income to assets | 0.4065% | 5,144 |
| Return on assets (ROA) | 0.4654% | 5,011 |
| Pretax return on assets | 0.5475% | 5,105 |
| Return on Equity (ROE) | 4.5488% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.5488% | 3,235 |
| Net charge-offs to loans | 0.0342% | 3,231 |
| Credit loss provision to net charge-offs | 123.6842% | 1,936 |
| Earnings coverage of net charge-offs (x) | 24.6821% | 1,685 |
| Efficiency ratio | 87.7689% | 860 |
| Assets per employee ($millions) | 3.3661% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 1,650 |
| Loan loss allowance to noncurrent loans | 194.1224% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.3590% | 1,711 |
| Noncurrent loans to loans | 0.8429% | 2,864 |
| Net loans and leases to total assets | 60.6479% | 3,786 |
| Net loans and leases to deposits | 75.5163% | 3,363 |
| Net loans and leases to core deposits | 76.0002% | 3,804 |
| Total domestic deposits to total assets | 80.3110% | 4,670 |
| Equity capital to assets | 10.8345% | 3,208 |
| Core capital (leverage) ratio | 10.3103% | 3,245 |
| Tier 1 risk-based capital ratio | 14.2607% | 3,694 |
| Total risk-based capital ratio | 15.5117% | 3,625 |
| Memoranda: | ||
| Average total assets | $248,399,000 | 2,540 |
| Average earning assets | $226,579,250 | 2,554 |
| Average equity | $25,412,500 | 2,683 |
| Average total loans | $148,366,250 | 2,626 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 3,762 |
| Cost of funding earning assets | 0.4678% | 2,536 |
| Net interest margin | 3.4146% | 3,858 |
| Noninterest income to average assets | 0.8325% | 1,662 |
| Noninterest expense to average assets | 3.5629% | 1,190 |
| Loan and lease loss provision to assets | 0.1630% | 1,300 |
| Net operating income to assets | 0.2077% | 5,677 |
| Return on assets (ROA) | 0.3061% | 5,525 |
| Pretax return on assets | 0.3196% | 5,622 |
| Return on Equity (ROE) | 3.0493% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.0493% | 4,103 |
| Net charge-offs to loans | 0.0377% | 2,929 |
| Credit loss provision to net charge-offs | 732.1429% | 467 |
| Earnings coverage of net charge-offs (x) | 17.0714% | 1,873 |
| Efficiency ratio | 90.3610% | 724 |
| Assets per employee ($millions) | 3.4405% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 1,508 |
| Loan loss allowance to noncurrent loans | 137.1079% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.6314% | 1,472 |
| Noncurrent loans to loans | 1.2722% | 2,118 |
| Net loans and leases to total assets | 59.4730% | 3,908 |
| Net loans and leases to deposits | 73.2476% | 3,583 |
| Net loans and leases to core deposits | 73.5833% | 3,990 |
| Total domestic deposits to total assets | 81.1945% | 4,551 |
| Equity capital to assets | 10.2823% | 3,707 |
| Core capital (leverage) ratio | 9.8867% | 3,758 |
| Tier 1 risk-based capital ratio | 13.9811% | 3,942 |
| Total risk-based capital ratio | 15.2330% | 3,873 |
| Memoranda: | ||
| Average total assets | $251,533,330 | 2,538 |
| Average earning assets | $229,133,330 | 2,546 |
| Average equity | $25,252,000 | 2,703 |
| Average total loans | $148,702,670 | 2,638 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 3,905 |
| Cost of funding earning assets | 0.4624% | 2,651 |
| Net interest margin | 3.3630% | 3,978 |
| Noninterest income to average assets | 0.8669% | 1,509 |
| Noninterest expense to average assets | 3.4692% | 1,372 |
| Loan and lease loss provision to assets | -0.0847% | 6,195 |
| Net operating income to assets | 0.4218% | 4,986 |
| Return on assets (ROA) | 0.5816% | 4,459 |
| Pretax return on assets | 0.7399% | 4,468 |
| Return on Equity (ROE) | 5.8611% | 4,102 |
| Retained earnings to average equity (ytd only) | 5.8611% | 2,571 |
| Net charge-offs to loans | 0.0751% | 1,957 |
| Credit loss provision to net charge-offs | -192.8571% | 4,602 |
| Earnings coverage of net charge-offs (x) | 10.3214% | 1,943 |
| Efficiency ratio | 88.4492% | 978 |
| Assets per employee ($millions) | 3.6067% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 2,197 |
| Loan loss allowance to noncurrent loans | 122.2984% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.5897% | 1,615 |
| Noncurrent loans to loans | 1.2741% | 2,248 |
| Net loans and leases to total assets | 57.2365% | 4,061 |
| Net loans and leases to deposits | 69.8035% | 3,769 |
| Net loans and leases to core deposits | 70.1054% | 4,141 |
| Total domestic deposits to total assets | 81.9965% | 4,506 |
| Equity capital to assets | 9.9450% | 4,208 |
| Core capital (leverage) ratio | 9.7171% | 3,992 |
| Tier 1 risk-based capital ratio | 14.1433% | 3,922 |
| Total risk-based capital ratio | 15.3939% | 3,847 |
| Memoranda: | ||
| Average total assets | $255,163,000 | 2,508 |
| Average earning assets | $231,814,500 | 2,536 |
| Average equity | $25,319,500 | 2,717 |
| Average total loans | $149,126,000 | 2,633 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2211% | 2,878 |
| Cost of funding earning assets | 0.5378% | 2,309 |
| Net interest margin | 3.6833% | 3,069 |
| Noninterest income to average assets | 0.6245% | 2,715 |
| Noninterest expense to average assets | 3.6314% | 1,246 |
| Loan and lease loss provision to assets | 0.3518% | 539 |
| Net operating income to assets | 0.0486% | 6,025 |
| Return on assets (ROA) | 0.0470% | 6,052 |
| Pretax return on assets | -0.0402% | 6,119 |
| Return on Equity (ROE) | 0.4719% | 6,043 |
| Retained earnings to average equity (ytd only) | 0.4719% | 5,562 |
| Net charge-offs to loans | 0.5036% | 814 |
| Credit loss provision to net charge-offs | 111.6071% | 2,136 |
| Earnings coverage of net charge-offs (x) | 0.9962% | 4,518 |
| Efficiency ratio | 92.0404% | 700 |
| Assets per employee ($millions) | 3.5810% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 2,061 |
| Loan loss allowance to noncurrent loans | 143.2320% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.6098% | 1,676 |
| Noncurrent loans to loans | 1.1228% | 2,591 |
| Net loans and leases to total assets | 57.8018% | 4,072 |
| Net loans and leases to deposits | 70.4760% | 3,845 |
| Net loans and leases to core deposits | 70.7821% | 4,242 |
| Total domestic deposits to total assets | 82.0164% | 4,416 |
| Equity capital to assets | 9.9006% | 4,232 |
| Core capital (leverage) ratio | 10.1104% | 3,422 |
| Tier 1 risk-based capital ratio | 14.4602% | 3,803 |
| Total risk-based capital ratio | 15.7124% | 3,736 |
| Memoranda: | ||
| Average total assets | $248,692,600 | 2,539 |
| Average earning assets | $224,228,000 | 2,584 |
| Average equity | $24,794,400 | 2,687 |
| Average total loans | $155,679,400 | 2,487 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 2,597 |
| Cost of funding earning assets | 0.5600% | 2,194 |
| Net interest margin | 3.7483% | 2,825 |
| Noninterest income to average assets | 0.6297% | 2,686 |
| Noninterest expense to average assets | 3.5297% | 1,412 |
| Loan and lease loss provision to assets | 0.6567% | 195 |
| Net operating income to assets | -0.0761% | 6,204 |
| Return on assets (ROA) | -0.0782% | 6,208 |
| Pretax return on assets | -0.1822% | 6,247 |
| Return on Equity (ROE) | -0.7827% | 6,212 |
| Retained earnings to average equity (ytd only) | -0.7827% | 5,931 |
| Net charge-offs to loans | 0.6723% | 523 |
| Credit loss provision to net charge-offs | 153.5939% | 1,550 |
| Earnings coverage of net charge-offs (x) | 1.1173% | 4,225 |
| Efficiency ratio | 88.0802% | 993 |
| Assets per employee ($millions) | 3.3635% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7896% | 1,717 |
| Loan loss allowance to noncurrent loans | 153.9674% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.9577% | 1,479 |
| Noncurrent loans to loans | 1.1623% | 2,737 |
| Net loans and leases to total assets | 62.8745% | 3,360 |
| Net loans and leases to deposits | 78.5778% | 2,888 |
| Net loans and leases to core deposits | 78.9521% | 3,444 |
| Total domestic deposits to total assets | 80.0156% | 5,094 |
| Equity capital to assets | 10.3934% | 3,686 |
| Core capital (leverage) ratio | 9.7011% | 4,074 |
| Tier 1 risk-based capital ratio | 14.3498% | 3,986 |
| Total risk-based capital ratio | 15.6046% | 3,916 |
| Memoranda: | ||
| Average total assets | $247,303,750 | 2,561 |
| Average earning assets | $222,853,750 | 2,603 |
| Average equity | $24,700,000 | 2,702 |
| Average total loans | $157,258,750 | 2,472 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2586% | 2,744 |
| Cost of funding earning assets | 0.5629% | 2,234 |
| Net interest margin | 3.6958% | 2,980 |
| Noninterest income to average assets | 0.5701% | 2,991 |
| Noninterest expense to average assets | 3.2918% | 1,942 |
| Loan and lease loss provision to assets | 0.7012% | 190 |
| Net operating income to assets | -0.0385% | 6,212 |
| Return on assets (ROA) | -0.0416% | 6,233 |
| Pretax return on assets | -0.0888% | 6,249 |
| Return on Equity (ROE) | -0.4217% | 6,234 |
| Retained earnings to average equity (ytd only) | -0.4217% | 5,757 |
| Net charge-offs to loans | 0.9791% | 363 |
| Credit loss provision to net charge-offs | 112.8700% | 1,785 |
| Earnings coverage of net charge-offs (x) | 0.9936% | 3,921 |
| Efficiency ratio | 84.2094% | 1,484 |
| Assets per employee ($millions) | 3.4912% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 2,606 |
| Loan loss allowance to noncurrent loans | 136.4460% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 2.0300% | 1,569 |
| Noncurrent loans to loans | 1.1465% | 2,934 |
| Net loans and leases to total assets | 62.0795% | 3,390 |
| Net loans and leases to deposits | 76.5006% | 2,987 |
| Net loans and leases to core deposits | 76.9500% | 3,543 |
| Total domestic deposits to total assets | 81.1490% | 4,930 |
| Equity capital to assets | 10.2633% | 3,742 |
| Core capital (leverage) ratio | 9.8118% | 3,870 |
| Tier 1 risk-based capital ratio | 14.1222% | 4,178 |
| Total risk-based capital ratio | 15.3738% | 4,113 |
| Memoranda: | ||
| Average total assets | $250,136,330 | 2,540 |
| Average earning assets | $225,988,670 | 2,580 |
| Average equity | $24,660,000 | 2,698 |
| Average total loans | $158,717,000 | 2,463 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 2,605 |
| Cost of funding earning assets | 0.5708% | 2,235 |
| Net interest margin | 3.7050% | 2,845 |
| Noninterest income to average assets | 0.5565% | 3,006 |
| Noninterest expense to average assets | 3.2283% | 2,131 |
| Loan and lease loss provision to assets | 1.2948% | 83 |
| Net operating income to assets | -0.3503% | 6,424 |
| Return on assets (ROA) | -0.3462% | 6,418 |
| Pretax return on assets | -0.6150% | 6,486 |
| Return on Equity (ROE) | -3.5830% | 6,428 |
| Retained earnings to average equity (ytd only) | -3.5830% | 6,021 |
| Net charge-offs to loans | 1.8731% | 144 |
| Credit loss provision to net charge-offs | 108.6207% | 1,554 |
| Earnings coverage of net charge-offs (x) | 0.5650% | 3,319 |
| Efficiency ratio | 82.7391% | 1,830 |
| Assets per employee ($millions) | 3.6234% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 3,156 |
| Loan loss allowance to noncurrent loans | 79.6781% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.0320% | 1,672 |
| Noncurrent loans to loans | 1.8789% | 2,027 |
| Net loans and leases to total assets | 61.6375% | 3,295 |
| Net loans and leases to deposits | 74.8652% | 2,958 |
| Net loans and leases to core deposits | 75.2819% | 3,492 |
| Total domestic deposits to total assets | 82.3313% | 4,842 |
| Equity capital to assets | 9.6558% | 4,287 |
| Core capital (leverage) ratio | 9.5599% | 4,192 |
| Tier 1 risk-based capital ratio | 13.6567% | 4,574 |
| Total risk-based capital ratio | 14.9076% | 4,525 |
| Memoranda: | ||
| Average total assets | $253,012,000 | 2,527 |
| Average earning assets | $228,448,500 | 2,573 |
| Average equity | $24,449,000 | 2,705 |
| Average total loans | $161,013,500 | 2,446 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 2,370 |
| Cost of funding earning assets | 0.6458% | 2,241 |
| Net interest margin | 3.8110% | 2,613 |
| Noninterest income to average assets | 0.1785% | 6,014 |
| Noninterest expense to average assets | 3.2440% | 2,296 |
| Loan and lease loss provision to assets | -0.0318% | 6,331 |
| Net operating income to assets | 0.3570% | 5,309 |
| Return on assets (ROA) | 0.3570% | 5,424 |
| Pretax return on assets | 0.4179% | 5,450 |
| Return on Equity (ROE) | 3.6615% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.6615% | 3,617 |
| Net charge-offs to loans | 0.0565% | 4,438 |
| Credit loss provision to net charge-offs | -84.2105% | 5,850 |
| Earnings coverage of net charge-offs (x) | 10.2211% | 2,402 |
| Efficiency ratio | 89.3647% | 1,076 |
| Assets per employee ($millions) | 3.6055% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 3,578 |
| Loan loss allowance to noncurrent loans | 173.6289% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.4419% | 2,581 |
| Noncurrent loans to loans | 0.8150% | 3,935 |
| Net loans and leases to total assets | 63.7927% | 3,070 |
| Net loans and leases to deposits | 77.5596% | 2,784 |
| Net loans and leases to core deposits | 78.1855% | 3,336 |
| Total domestic deposits to total assets | 82.2500% | 4,787 |
| Equity capital to assets | 9.6706% | 4,195 |
| Core capital (leverage) ratio | 9.6731% | 4,021 |
| Tier 1 risk-based capital ratio | 13.5601% | 4,608 |
| Total risk-based capital ratio | 14.8105% | 4,555 |
| Memoranda: | ||
| Average total assets | $251,513,000 | 2,516 |
| Average earning assets | $227,786,600 | 2,535 |
| Average equity | $24,525,600 | 2,676 |
| Average total loans | $168,197,000 | 2,323 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 2,305 |
| Cost of funding earning assets | 0.6586% | 2,289 |
| Net interest margin | 3.8235% | 2,560 |
| Noninterest income to average assets | 0.2807% | 5,439 |
| Noninterest expense to average assets | 3.2174% | 2,311 |
| Loan and lease loss provision to assets | 0.0488% | 4,036 |
| Net operating income to assets | 0.4011% | 5,242 |
| Return on assets (ROA) | 0.4011% | 5,377 |
| Pretax return on assets | 0.4796% | 5,418 |
| Return on Equity (ROE) | 4.1049% | 5,169 |
| Retained earnings to average equity (ytd only) | 4.1049% | 3,764 |
| Net charge-offs to loans | 0.0472% | 4,233 |
| Credit loss provision to net charge-offs | 153.3333% | 1,539 |
| Earnings coverage of net charge-offs (x) | 16.5996% | 1,788 |
| Efficiency ratio | 85.8924% | 1,370 |
| Assets per employee ($millions) | 3.5739% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 3,439 |
| Loan loss allowance to noncurrent loans | 164.5752% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.8639% | 2,181 |
| Noncurrent loans to loans | 0.9134% | 3,989 |
| Net loans and leases to total assets | 65.9473% | 2,651 |
| Net loans and leases to deposits | 80.4142% | 2,355 |
| Net loans and leases to core deposits | 81.3580% | 2,953 |
| Total domestic deposits to total assets | 82.0095% | 4,927 |
| Equity capital to assets | 9.7341% | 4,260 |
| Core capital (leverage) ratio | 9.5388% | 4,350 |
| Tier 1 risk-based capital ratio | 13.2526% | 4,937 |
| Total risk-based capital ratio | 14.5041% | 4,883 |
| Memoranda: | ||
| Average total assets | $251,295,500 | 2,532 |
| Average earning assets | $227,744,500 | 2,548 |
| Average equity | $24,555,250 | 2,706 |
| Average total loans | $169,418,000 | 2,319 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 2,226 |
| Cost of funding earning assets | 0.6580% | 2,425 |
| Net interest margin | 3.8342% | 2,430 |
| Noninterest income to average assets | 0.4641% | 4,065 |
| Noninterest expense to average assets | 3.1923% | 2,372 |
| Loan and lease loss provision to assets | -0.0795% | 6,684 |
| Net operating income to assets | 0.6222% | 4,190 |
| Return on assets (ROA) | 0.6222% | 4,346 |
| Pretax return on assets | 0.8241% | 4,225 |
| Return on Equity (ROE) | 6.3599% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.3599% | 2,226 |
| Net charge-offs to loans | 0.0565% | 3,895 |
| Credit loss provision to net charge-offs | -208.3333% | 5,741 |
| Earnings coverage of net charge-offs (x) | 19.5208% | 1,504 |
| Efficiency ratio | 81.0860% | 2,014 |
| Assets per employee ($millions) | 3.6300% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 4,176 |
| Loan loss allowance to noncurrent loans | 244.0501% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8154% | 2,390 |
| Noncurrent loans to loans | 0.5609% | 4,856 |
| Net loans and leases to total assets | 66.2975% | 2,540 |
| Net loans and leases to deposits | 80.4996% | 2,254 |
| Net loans and leases to core deposits | 81.5222% | 2,854 |
| Total domestic deposits to total assets | 82.3575% | 4,926 |
| Equity capital to assets | 9.5538% | 4,511 |
| Core capital (leverage) ratio | 9.6667% | 3,988 |
| Tier 1 risk-based capital ratio | 13.0845% | 5,082 |
| Total risk-based capital ratio | 14.3346% | 5,025 |
| Memoranda: | ||
| Average total assets | $251,670,330 | 2,538 |
| Average earning assets | $227,951,330 | 2,557 |
| Average equity | $24,623,000 | 2,705 |
| Average total loans | $170,057,670 | 2,309 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 2,191 |
| Cost of funding earning assets | 0.6598% | 2,564 |
| Net interest margin | 3.8352% | 2,332 |
| Noninterest income to average assets | 0.4009% | 4,449 |
| Noninterest expense to average assets | 3.1590% | 2,487 |
| Loan and lease loss provision to assets | -0.1805% | 6,889 |
| Net operating income to assets | 0.6628% | 3,891 |
| Return on assets (ROA) | 0.6628% | 4,046 |
| Pretax return on assets | 0.8944% | 3,784 |
| Return on Equity (ROE) | 6.6945% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.6945% | 2,317 |
| Net charge-offs to loans | 0.1344% | 2,605 |
| Credit loss provision to net charge-offs | -198.2456% | 5,254 |
| Earnings coverage of net charge-offs (x) | 7.8421% | 2,017 |
| Efficiency ratio | 81.5670% | 2,104 |
| Assets per employee ($millions) | 3.6255% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 4,477 |
| Loan loss allowance to noncurrent loans | 230.2187% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 2.0419% | 2,294 |
| Noncurrent loans to loans | 0.5857% | 4,977 |
| Net loans and leases to total assets | 67.7317% | 2,064 |
| Net loans and leases to deposits | 82.8126% | 1,731 |
| Net loans and leases to core deposits | 83.7835% | 2,348 |
| Total domestic deposits to total assets | 81.7892% | 5,271 |
| Equity capital to assets | 9.9737% | 4,181 |
| Core capital (leverage) ratio | 9.6662% | 3,829 |
| Tier 1 risk-based capital ratio | 12.8952% | 5,304 |
| Total risk-based capital ratio | 14.1411% | 5,249 |
| Memoranda: | ||
| Average total assets | $250,457,000 | 2,574 |
| Average earning assets | $226,743,500 | 2,598 |
| Average equity | $24,796,500 | 2,725 |
| Average total loans | $169,687,500 | 2,328 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 3,031 |
| Cost of funding earning assets | 0.9154% | 1,843 |
| Net interest margin | 3.6775% | 3,755 |
| Noninterest income to average assets | 0.7373% | 2,556 |
| Noninterest expense to average assets | 3.3138% | 2,294 |
| Loan and lease loss provision to assets | -0.0378% | 6,855 |
| Net operating income to assets | 0.5833% | 4,312 |
| Return on assets (ROA) | 0.5997% | 4,500 |
| Pretax return on assets | 0.8110% | 4,254 |
| Return on Equity (ROE) | 6.3740% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.3740% | 1,891 |
| Net charge-offs to loans | 0.2150% | 3,672 |
| Credit loss provision to net charge-offs | -26.6667% | 6,248 |
| Earnings coverage of net charge-offs (x) | 5.2917% | 3,077 |
| Efficiency ratio | 76.9059% | 2,608 |
| Assets per employee ($millions) | 3.5318% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 3,816 |
| Loan loss allowance to noncurrent loans | 209.2593% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 2.1798% | 2,252 |
| Noncurrent loans to loans | 0.7087% | 4,770 |
| Net loans and leases to total assets | 65.8555% | 2,548 |
| Net loans and leases to deposits | 80.3058% | 2,241 |
| Net loans and leases to core deposits | 81.3414% | 2,843 |
| Total domestic deposits to total assets | 82.0059% | 5,094 |
| Equity capital to assets | 9.8275% | 4,414 |
| Core capital (leverage) ratio | 9.3622% | 4,314 |
| Tier 1 risk-based capital ratio | 12.9701% | 5,127 |
| Total risk-based capital ratio | 14.2218% | 5,066 |
| Memoranda: | ||
| Average total assets | $253,640,000 | 2,499 |
| Average earning assets | $229,505,600 | 2,518 |
| Average equity | $23,862,400 | 2,758 |
| Average total loans | $167,476,000 | 2,334 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 3,179 |
| Cost of funding earning assets | 0.9675% | 1,749 |
| Net interest margin | 3.6378% | 4,066 |
| Noninterest income to average assets | 0.7658% | 2,405 |
| Noninterest expense to average assets | 3.3390% | 2,164 |
| Loan and lease loss provision to assets | 0.0571% | 5,019 |
| Net operating income to assets | 0.4899% | 4,883 |
| Return on assets (ROA) | 0.5116% | 5,059 |
| Pretax return on assets | 0.6924% | 4,891 |
| Return on Equity (ROE) | 5.4983% | 4,601 |
| Retained earnings to average equity (ytd only) | 5.4983% | 3,041 |
| Net charge-offs to loans | 0.2691% | 3,111 |
| Credit loss provision to net charge-offs | 32.2485% | 4,766 |
| Earnings coverage of net charge-offs (x) | 4.0650% | 3,415 |
| Efficiency ratio | 77.6472% | 2,437 |
| Assets per employee ($millions) | 3.5407% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 3,304 |
| Loan loss allowance to noncurrent loans | 294.2516% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 2,396 |
| Noncurrent loans to loans | 0.5632% | 5,315 |
| Net loans and leases to total assets | 64.0385% | 3,020 |
| Net loans and leases to deposits | 80.9837% | 2,252 |
| Net loans and leases to core deposits | 81.9804% | 2,963 |
| Total domestic deposits to total assets | 79.0758% | 5,853 |
| Equity capital to assets | 9.7248% | 4,890 |
| Core capital (leverage) ratio | 9.0112% | 5,049 |
| Tier 1 risk-based capital ratio | 12.8415% | 5,377 |
| Total risk-based capital ratio | 14.0948% | 5,340 |
| Memoranda: | ||
| Average total assets | $254,361,250 | 2,512 |
| Average earning assets | $230,279,000 | 2,520 |
| Average equity | $23,667,250 | 2,804 |
| Average total loans | $167,439,500 | 2,366 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 3,240 |
| Cost of funding earning assets | 0.9927% | 1,808 |
| Net interest margin | 3.6346% | 4,106 |
| Noninterest income to average assets | 0.6939% | 2,706 |
| Noninterest expense to average assets | 3.3154% | 2,268 |
| Loan and lease loss provision to assets | 0.2083% | 2,990 |
| Net operating income to assets | 0.3556% | 5,404 |
| Return on assets (ROA) | 0.3556% | 5,625 |
| Pretax return on assets | 0.4566% | 5,561 |
| Return on Equity (ROE) | 3.8791% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.8791% | 4,037 |
| Net charge-offs to loans | 0.3901% | 2,459 |
| Credit loss provision to net charge-offs | 80.8511% | 3,295 |
| Earnings coverage of net charge-offs (x) | 2.5805% | 3,714 |
| Efficiency ratio | 78.6108% | 2,386 |
| Assets per employee ($millions) | 3.6118% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 3,105 |
| Loan loss allowance to noncurrent loans | 62.1814% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.2921% | 2,445 |
| Noncurrent loans to loans | 2.7843% | 2,154 |
| Net loans and leases to total assets | 64.6342% | 2,899 |
| Net loans and leases to deposits | 81.2385% | 2,201 |
| Net loans and leases to core deposits | 82.3973% | 2,917 |
| Total domestic deposits to total assets | 79.5610% | 5,847 |
| Equity capital to assets | 9.3982% | 5,195 |
| Core capital (leverage) ratio | 8.7427% | 5,309 |
| Tier 1 risk-based capital ratio | 12.7381% | 5,388 |
| Total risk-based capital ratio | 13.9932% | 5,351 |
| Memoranda: | ||
| Average total assets | $255,352,330 | 2,497 |
| Average earning assets | $230,893,000 | 2,516 |
| Average equity | $23,407,330 | 2,816 |
| Average total loans | $168,686,670 | 2,363 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 3,365 |
| Cost of funding earning assets | 1.0335% | 1,786 |
| Net interest margin | 3.5948% | 4,291 |
| Noninterest income to average assets | 0.6578% | 2,883 |
| Noninterest expense to average assets | 3.2843% | 2,337 |
| Loan and lease loss provision to assets | 0.1294% | 3,729 |
| Net operating income to assets | 0.3928% | 5,287 |
| Return on assets (ROA) | 0.3928% | 5,471 |
| Pretax return on assets | 0.4863% | 5,475 |
| Return on Equity (ROE) | 4.3391% | 5,122 |
| Retained earnings to average equity (ytd only) | 4.3391% | 3,989 |
| Net charge-offs to loans | 0.2637% | 2,612 |
| Credit loss provision to net charge-offs | 74.1071% | 2,843 |
| Earnings coverage of net charge-offs (x) | 3.5268% | 2,812 |
| Efficiency ratio | 79.4564% | 2,278 |
| Assets per employee ($millions) | 3.6758% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 3,283 |
| Loan loss allowance to noncurrent loans | 53.8945% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.5032% | 2,363 |
| Noncurrent loans to loans | 3.1829% | 2,020 |
| Net loans and leases to total assets | 64.8644% | 2,679 |
| Net loans and leases to deposits | 81.0464% | 2,054 |
| Net loans and leases to core deposits | 84.1431% | 2,529 |
| Total domestic deposits to total assets | 80.0337% | 5,846 |
| Equity capital to assets | 9.0603% | 5,407 |
| Core capital (leverage) ratio | 8.6182% | 5,416 |
| Tier 1 risk-based capital ratio | 12.3633% | 5,713 |
| Total risk-based capital ratio | 13.6179% | 5,668 |
| Memoranda: | ||
| Average total assets | $256,615,500 | 2,503 |
| Average earning assets | $231,444,000 | 2,526 |
| Average equity | $23,230,500 | 2,829 |
| Average total loans | $169,884,500 | 2,366 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 3,562 |
| Cost of funding earning assets | 1.2013% | 2,019 |
| Net interest margin | 3.6540% | 4,500 |
| Noninterest income to average assets | 0.4742% | 4,035 |
| Noninterest expense to average assets | 3.1455% | 3,042 |
| Loan and lease loss provision to assets | 0.2834% | 3,396 |
| Net operating income to assets | 0.2803% | 5,326 |
| Return on assets (ROA) | 0.2973% | 5,420 |
| Pretax return on assets | 0.3943% | 5,312 |
| Return on Equity (ROE) | 3.3432% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.3432% | 3,844 |
| Net charge-offs to loans | 0.5456% | 2,831 |
| Credit loss provision to net charge-offs | 75.1317% | 4,667 |
| Earnings coverage of net charge-offs (x) | 1.7366% | 4,471 |
| Efficiency ratio | 80.1694% | 2,280 |
| Assets per employee ($millions) | 3.7090% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 3,088 |
| Loan loss allowance to noncurrent loans | 63.7625% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 2,707 |
| Noncurrent loans to loans | 2.7149% | 2,391 |
| Net loans and leases to total assets | 65.2589% | 2,930 |
| Net loans and leases to deposits | 81.6277% | 2,252 |
| Net loans and leases to core deposits | 85.0046% | 2,751 |
| Total domestic deposits to total assets | 79.9470% | 5,755 |
| Equity capital to assets | 9.0449% | 5,499 |
| Core capital (leverage) ratio | 8.4784% | 5,598 |
| Tier 1 risk-based capital ratio | 12.2366% | 5,657 |
| Total risk-based capital ratio | 13.4918% | 5,626 |
| Memoranda: | ||
| Average total assets | $251,567,800 | 2,506 |
| Average earning assets | $229,006,400 | 2,517 |
| Average equity | $22,374,000 | 2,851 |
| Average total loans | $173,949,600 | 2,330 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 3,615 |
| Cost of funding earning assets | 1.2275% | 2,142 |
| Net interest margin | 3.6609% | 4,524 |
| Noninterest income to average assets | 0.7356% | 2,385 |
| Noninterest expense to average assets | 3.1858% | 2,865 |
| Loan and lease loss provision to assets | 0.2156% | 3,861 |
| Net operating income to assets | 0.5256% | 4,427 |
| Return on assets (ROA) | 0.2145% | 5,793 |
| Pretax return on assets | 0.2784% | 5,751 |
| Return on Equity (ROE) | 2.4225% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.4225% | 4,913 |
| Net charge-offs to loans | 0.4420% | 2,956 |
| Credit loss provision to net charge-offs | 69.8276% | 4,489 |
| Earnings coverage of net charge-offs (x) | 2.9086% | 3,690 |
| Efficiency ratio | 75.5865% | 2,904 |
| Assets per employee ($millions) | 3.6733% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 3,067 |
| Loan loss allowance to noncurrent loans | 62.0968% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.2819% | 2,806 |
| Noncurrent loans to loans | 2.8360% | 2,456 |
| Net loans and leases to total assets | 67.0639% | 2,662 |
| Net loans and leases to deposits | 83.9912% | 2,001 |
| Net loans and leases to core deposits | 85.7680% | 2,809 |
| Total domestic deposits to total assets | 79.8464% | 5,779 |
| Equity capital to assets | 9.0929% | 5,648 |
| Core capital (leverage) ratio | 8.4029% | 5,848 |
| Tier 1 risk-based capital ratio | 12.1986% | 5,745 |
| Total risk-based capital ratio | 13.4544% | 5,723 |
| Memoranda: | ||
| Average total assets | $250,479,250 | 2,526 |
| Average earning assets | $229,081,250 | 2,526 |
| Average equity | $22,180,500 | 2,869 |
| Average total loans | $174,948,500 | 2,325 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 3,510 |
| Cost of funding earning assets | 1.2452% | 2,285 |
| Net interest margin | 3.6807% | 4,353 |
| Noninterest income to average assets | 0.5401% | 3,558 |
| Noninterest expense to average assets | 3.1830% | 2,964 |
| Loan and lease loss provision to assets | 0.0295% | 5,941 |
| Net operating income to assets | 0.4595% | 4,679 |
| Return on assets (ROA) | 0.4595% | 4,809 |
| Pretax return on assets | 0.6876% | 4,425 |
| Return on Equity (ROE) | 5.2356% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.2356% | 2,851 |
| Net charge-offs to loans | 0.1111% | 4,584 |
| Credit loss provision to net charge-offs | 37.7551% | 4,856 |
| Earnings coverage of net charge-offs (x) | 9.1735% | 1,954 |
| Efficiency ratio | 79.0755% | 2,543 |
| Assets per employee ($millions) | 3.6977% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 2,991 |
| Loan loss allowance to noncurrent loans | 62.1535% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.5954% | 2,563 |
| Noncurrent loans to loans | 2.8962% | 2,522 |
| Net loans and leases to total assets | 67.6274% | 2,688 |
| Net loans and leases to deposits | 84.5627% | 2,024 |
| Net loans and leases to core deposits | 86.5623% | 2,814 |
| Total domestic deposits to total assets | 79.9730% | 5,832 |
| Equity capital to assets | 8.9814% | 5,605 |
| Core capital (leverage) ratio | 8.4064% | 5,696 |
| Tier 1 risk-based capital ratio | 12.1667% | 5,647 |
| Total risk-based capital ratio | 13.4230% | 5,623 |
| Memoranda: | ||
| Average total assets | $250,710,000 | 2,540 |
| Average earning assets | $228,871,000 | 2,541 |
| Average equity | $22,003,000 | 2,879 |
| Average total loans | $176,424,670 | 2,329 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 3,202 |
| Cost of funding earning assets | 1.2542% | 2,478 |
| Net interest margin | 3.7242% | 3,979 |
| Noninterest income to average assets | 0.5704% | 3,366 |
| Noninterest expense to average assets | 3.0726% | 3,371 |
| Loan and lease loss provision to assets | 0.1166% | 4,550 |
| Net operating income to assets | 0.4458% | 4,741 |
| Return on assets (ROA) | 0.4458% | 4,823 |
| Pretax return on assets | 0.7733% | 3,999 |
| Return on Equity (ROE) | 5.1398% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.1398% | 3,095 |
| Net charge-offs to loans | 0.1640% | 3,499 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.6301% | 1,924 |
| Efficiency ratio | 75.0403% | 3,326 |
| Assets per employee ($millions) | 3.7428% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 3,022 |
| Loan loss allowance to noncurrent loans | 63.0056% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 2.6706% | 2,568 |
| Noncurrent loans to loans | 2.8513% | 2,644 |
| Net loans and leases to total assets | 69.2761% | 2,269 |
| Net loans and leases to deposits | 86.3610% | 1,674 |
| Net loans and leases to core deposits | 88.0796% | 2,589 |
| Total domestic deposits to total assets | 80.2169% | 5,886 |
| Equity capital to assets | 8.7160% | 5,636 |
| Core capital (leverage) ratio | 8.4783% | 5,495 |
| Tier 1 risk-based capital ratio | 11.6936% | 5,946 |
| Total risk-based capital ratio | 12.9499% | 5,935 |
| Memoranda: | ||
| Average total assets | $250,344,500 | 2,568 |
| Average earning assets | $228,025,000 | 2,566 |
| Average equity | $21,713,000 | 2,901 |
| Average total loans | $178,057,000 | 2,335 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 3,498 |
| Cost of funding earning assets | 1.6792% | 1,689 |
| Net interest margin | 3.5435% | 5,064 |
| Noninterest income to average assets | 0.7649% | 2,457 |
| Noninterest expense to average assets | 3.1144% | 3,398 |
| Loan and lease loss provision to assets | 0.3457% | 4,061 |
| Net operating income to assets | 0.3935% | 4,570 |
| Return on assets (ROA) | 0.5654% | 3,980 |
| Pretax return on assets | 0.7847% | 3,685 |
| Return on Equity (ROE) | 7.0654% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.0654% | 1,292 |
| Net charge-offs to loans | 0.4837% | 3,686 |
| Credit loss provision to net charge-offs | 102.8217% | 4,393 |
| Earnings coverage of net charge-offs (x) | 2.6524% | 3,772 |
| Efficiency ratio | 74.3038% | 3,335 |
| Assets per employee ($millions) | 3.7301% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,950 |
| Loan loss allowance to noncurrent loans | 63.0056% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 2.6865% | 2,597 |
| Noncurrent loans to loans | 2.8145% | 2,707 |
| Net loans and leases to total assets | 70.4365% | 2,422 |
| Net loans and leases to deposits | 87.5513% | 1,853 |
| Net loans and leases to core deposits | 89.3855% | 2,843 |
| Total domestic deposits to total assets | 80.4517% | 5,701 |
| Equity capital to assets | 8.6304% | 5,684 |
| Core capital (leverage) ratio | 8.0381% | 6,138 |
| Tier 1 risk-based capital ratio | 11.4235% | 5,970 |
| Total risk-based capital ratio | 12.6797% | 5,957 |
| Memoranda: | ||
| Average total assets | $263,547,000 | 2,418 |
| Average earning assets | $241,061,800 | 2,419 |
| Average equity | $21,088,800 | 2,994 |
| Average total loans | $183,178,600 | 2,316 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2694% | 3,491 |
| Cost of funding earning assets | 1.7472% | 1,639 |
| Net interest margin | 3.5222% | 5,210 |
| Noninterest income to average assets | 0.7452% | 2,550 |
| Noninterest expense to average assets | 3.1106% | 3,294 |
| Loan and lease loss provision to assets | 0.1518% | 5,526 |
| Net operating income to assets | 0.5096% | 4,275 |
| Return on assets (ROA) | 0.7327% | 3,431 |
| Pretax return on assets | 1.0259% | 3,085 |
| Return on Equity (ROE) | 9.3279% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.3279% | 954 |
| Net charge-offs to loans | 0.2063% | 4,707 |
| Credit loss provision to net charge-offs | 106.6667% | 4,010 |
| Earnings coverage of net charge-offs (x) | 6.0667% | 2,609 |
| Efficiency ratio | 74.8398% | 3,174 |
| Assets per employee ($millions) | 3.7476% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 3,007 |
| Loan loss allowance to noncurrent loans | 56.8052% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 2.8296% | 2,567 |
| Noncurrent loans to loans | 3.0737% | 2,598 |
| Net loans and leases to total assets | 71.0883% | 2,463 |
| Net loans and leases to deposits | 91.9306% | 1,461 |
| Net loans and leases to core deposits | 94.0502% | 2,519 |
| Total domestic deposits to total assets | 77.3282% | 6,409 |
| Equity capital to assets | 8.6809% | 6,047 |
| Core capital (leverage) ratio | 7.8216% | 6,553 |
| Tier 1 risk-based capital ratio | 11.1696% | 6,220 |
| Total risk-based capital ratio | 12.4254% | 6,212 |
| Memoranda: | ||
| Average total assets | $266,953,750 | 2,424 |
| Average earning assets | $244,727,750 | 2,422 |
| Average equity | $20,968,750 | 3,052 |
| Average total loans | $184,170,000 | 2,338 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 3,718 |
| Cost of funding earning assets | 1.8043% | 1,625 |
| Net interest margin | 3.4444% | 5,465 |
| Noninterest income to average assets | 0.6715% | 2,877 |
| Noninterest expense to average assets | 3.0892% | 3,365 |
| Loan and lease loss provision to assets | 0.1903% | 4,977 |
| Net operating income to assets | 0.3825% | 4,841 |
| Return on assets (ROA) | 0.7060% | 3,532 |
| Pretax return on assets | 1.0138% | 3,066 |
| Return on Equity (ROE) | 9.2883% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.2883% | 1,017 |
| Net charge-offs to loans | 0.2735% | 3,972 |
| Credit loss provision to net charge-offs | 102.3715% | 3,986 |
| Earnings coverage of net charge-offs (x) | 3.9921% | 3,098 |
| Efficiency ratio | 77.1429% | 2,872 |
| Assets per employee ($millions) | 3.8917% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 3,088 |
| Loan loss allowance to noncurrent loans | 57.6881% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.7872% | 2,593 |
| Noncurrent loans to loans | 2.9450% | 2,716 |
| Net loans and leases to total assets | 69.0701% | 3,114 |
| Net loans and leases to deposits | 89.8493% | 1,883 |
| Net loans and leases to core deposits | 91.8453% | 3,012 |
| Total domestic deposits to total assets | 76.8732% | 6,535 |
| Equity capital to assets | 8.0518% | 6,696 |
| Core capital (leverage) ratio | 7.2000% | 7,070 |
| Tier 1 risk-based capital ratio | 10.6328% | 6,582 |
| Total risk-based capital ratio | 11.8883% | 6,576 |
| Memoranda: | ||
| Average total assets | $272,241,000 | 2,398 |
| Average earning assets | $249,741,670 | 2,397 |
| Average equity | $20,692,670 | 3,080 |
| Average total loans | $185,003,670 | 2,364 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 3,896 |
| Cost of funding earning assets | 1.8466% | 1,672 |
| Net interest margin | 3.3788% | 5,675 |
| Noninterest income to average assets | 0.6361% | 3,031 |
| Noninterest expense to average assets | 2.9561% | 3,834 |
| Loan and lease loss provision to assets | 0.3260% | 3,450 |
| Net operating income to assets | 0.3405% | 5,126 |
| Return on assets (ROA) | 0.3405% | 5,250 |
| Pretax return on assets | 0.4536% | 5,119 |
| Return on Equity (ROE) | 4.6112% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.6112% | 3,372 |
| Net charge-offs to loans | 0.4921% | 2,588 |
| Credit loss provision to net charge-offs | 99.1189% | 3,469 |
| Earnings coverage of net charge-offs (x) | 2.3700% | 3,356 |
| Efficiency ratio | 75.6012% | 3,289 |
| Assets per employee ($millions) | 4.0329% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 3,002 |
| Loan loss allowance to noncurrent loans | 50.0954% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.9906% | 2,402 |
| Noncurrent loans to loans | 3.4268% | 2,326 |
| Net loans and leases to total assets | 64.8295% | 4,137 |
| Net loans and leases to deposits | 82.3260% | 3,230 |
| Net loans and leases to core deposits | 84.7251% | 4,101 |
| Total domestic deposits to total assets | 78.7473% | 6,139 |
| Equity capital to assets | 7.4111% | 7,129 |
| Core capital (leverage) ratio | 6.8075% | 7,350 |
| Tier 1 risk-based capital ratio | 10.1336% | 6,943 |
| Total risk-based capital ratio | 11.3888% | 6,928 |
| Memoranda: | ||
| Average total assets | $276,043,000 | 2,418 |
| Average earning assets | $253,228,500 | 2,410 |
| Average equity | $20,385,000 | 3,154 |
| Average total loans | $184,533,500 | 2,435 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 3,245 |
| Cost of funding earning assets | 2.2055% | 2,001 |
| Net interest margin | 3.4661% | 5,102 |
| Noninterest income to average assets | 0.6357% | 3,378 |
| Noninterest expense to average assets | 10.3133% | 96 |
| Loan and lease loss provision to assets | 0.9083% | 2,478 |
| Net operating income to assets | -7.4864% | 7,915 |
| Return on assets (ROA) | -7.4782% | 7,908 |
| Pretax return on assets | -7.5901% | 7,899 |
| Return on Equity (ROE) | -56.0886% | 7,733 |
| Retained earnings to average equity (ytd only) | -56.0886% | 7,728 |
| Net charge-offs to loans | 0.7785% | 2,876 |
| Credit loss provision to net charge-offs | 178.6367% | 2,335 |
| Earnings coverage of net charge-offs (x) | -13.1567% | 7,171 |
| Efficiency ratio | 77.4458% | 3,280 |
| Assets per employee ($millions) | 3.9683% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 2,891 |
| Loan loss allowance to noncurrent loans | 48.1668% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 3.0729% | 2,261 |
| Noncurrent loans to loans | 3.5286% | 2,152 |
| Net loans and leases to total assets | 66.6002% | 4,016 |
| Net loans and leases to deposits | 85.0486% | 3,074 |
| Net loans and leases to core deposits | 103.7704% | 3,595 |
| Total domestic deposits to total assets | 78.3084% | 6,166 |
| Equity capital to assets | 7.3579% | 7,157 |
| Core capital (leverage) ratio | 6.2311% | 7,580 |
| Tier 1 risk-based capital ratio | 9.6988% | 7,100 |
| Total risk-based capital ratio | 10.9536% | 7,073 |
| Memoranda: | ||
| Average total assets | $279,852,200 | 2,351 |
| Average earning assets | $241,220,600 | 2,493 |
| Average equity | $37,312,400 | 1,798 |
| Average total loans | $182,778,600 | 2,479 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 3,174 |
| Cost of funding earning assets | 2.2613% | 2,146 |
| Net interest margin | 3.4717% | 4,986 |
| Noninterest income to average assets | 0.6402% | 3,418 |
| Noninterest expense to average assets | 2.9281% | 4,322 |
| Loan and lease loss provision to assets | 0.1265% | 6,084 |
| Net operating income to assets | 0.3662% | 4,529 |
| Return on assets (ROA) | 0.3710% | 4,620 |
| Pretax return on assets | 0.5421% | 4,396 |
| Return on Equity (ROE) | 2.5093% | 4,989 |
| Retained earnings to average equity (ytd only) | 2.5093% | 3,922 |
| Net charge-offs to loans | 0.1713% | 5,021 |
| Credit loss provision to net charge-offs | 114.1026% | 4,450 |
| Earnings coverage of net charge-offs (x) | 5.9659% | 2,696 |
| Efficiency ratio | 76.4356% | 3,428 |
| Assets per employee ($millions) | 4.3168% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,490 |
| Loan loss allowance to noncurrent loans | 117.4432% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 4,391 |
| Noncurrent loans to loans | 0.9684% | 5,361 |
| Net loans and leases to total assets | 61.2106% | 5,380 |
| Net loans and leases to deposits | 85.5458% | 3,408 |
| Net loans and leases to core deposits | 105.2361% | 3,792 |
| Total domestic deposits to total assets | 71.5530% | 7,270 |
| Equity capital to assets | 14.4086% | 1,169 |
| Core capital (leverage) ratio | 7.2471% | 7,227 |
| Tier 1 risk-based capital ratio | 10.2566% | 6,729 |
| Total risk-based capital ratio | 11.3421% | 6,833 |
| Memoranda: | ||
| Average total assets | $281,361,250 | 2,351 |
| Average earning assets | $239,028,500 | 2,527 |
| Average equity | $41,603,750 | 1,624 |
| Average total loans | $182,094,500 | 2,510 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7934% | 3,083 |
| Cost of funding earning assets | 2.3100% | 2,318 |
| Net interest margin | 3.4834% | 4,876 |
| Noninterest income to average assets | 0.6744% | 3,163 |
| Noninterest expense to average assets | 3.0371% | 3,932 |
| Loan and lease loss provision to assets | 0.1111% | 6,036 |
| Net operating income to assets | 0.3251% | 4,783 |
| Return on assets (ROA) | 0.3325% | 4,866 |
| Pretax return on assets | 0.4876% | 4,664 |
| Return on Equity (ROE) | 2.2285% | 5,207 |
| Retained earnings to average equity (ytd only) | 2.2285% | 4,098 |
| Net charge-offs to loans | 0.1504% | 4,687 |
| Credit loss provision to net charge-offs | 112.4088% | 4,119 |
| Earnings coverage of net charge-offs (x) | 5.9489% | 2,724 |
| Efficiency ratio | 78.6112% | 3,251 |
| Assets per employee ($millions) | 4.2189% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,516 |
| Loan loss allowance to noncurrent loans | 128.2677% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.2198% | 4,498 |
| Noncurrent loans to loans | 0.8667% | 5,484 |
| Net loans and leases to total assets | 64.5465% | 4,870 |
| Net loans and leases to deposits | 90.7959% | 2,698 |
| Net loans and leases to core deposits | 110.2098% | 3,352 |
| Total domestic deposits to total assets | 71.0896% | 7,352 |
| Equity capital to assets | 14.6301% | 1,130 |
| Core capital (leverage) ratio | 7.4505% | 7,082 |
| Tier 1 risk-based capital ratio | 9.9390% | 6,996 |
| Total risk-based capital ratio | 11.0076% | 7,117 |
| Memoranda: | ||
| Average total assets | $277,302,000 | 2,401 |
| Average earning assets | $234,888,330 | 2,577 |
| Average equity | $41,373,330 | 1,640 |
| Average total loans | $182,211,330 | 2,544 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 2,820 |
| Cost of funding earning assets | 2.3591% | 2,469 |
| Net interest margin | 3.5369% | 4,580 |
| Noninterest income to average assets | 0.7428% | 2,643 |
| Noninterest expense to average assets | 2.9757% | 3,868 |
| Loan and lease loss provision to assets | 0.0757% | 6,011 |
| Net operating income to assets | 0.4376% | 4,711 |
| Return on assets (ROA) | 0.4442% | 4,846 |
| Pretax return on assets | 0.6846% | 4,488 |
| Return on Equity (ROE) | 2.9481% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.9481% | 4,234 |
| Net charge-offs to loans | 0.0110% | 5,469 |
| Credit loss provision to net charge-offs | 1,040.0000% | 595 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 425 |
| Efficiency ratio | 74.7850% | 3,696 |
| Assets per employee ($millions) | 4.1562% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 5,165 |
| Loan loss allowance to noncurrent loans | 176.6553% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 1.1578% | 4,355 |
| Noncurrent loans to loans | 0.6475% | 5,789 |
| Net loans and leases to total assets | 65.5652% | 4,682 |
| Net loans and leases to deposits | 93.8533% | 2,296 |
| Net loans and leases to core deposits | 112.5102% | 3,165 |
| Total domestic deposits to total assets | 69.8593% | 7,438 |
| Equity capital to assets | 15.1774% | 1,050 |
| Core capital (leverage) ratio | 7.5384% | 7,107 |
| Tier 1 risk-based capital ratio | 9.8933% | 7,048 |
| Total risk-based capital ratio | 10.9888% | 7,121 |
| Memoranda: | ||
| Average total assets | $274,621,500 | 2,424 |
| Average earning assets | $231,613,500 | 2,628 |
| Average equity | $41,383,000 | 1,645 |
| Average total loans | $181,067,000 | 2,581 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4264% | 3,292 |
| Cost of funding earning assets | 2.9186% | 2,182 |
| Net interest margin | 3.5077% | 5,275 |
| Noninterest income to average assets | 0.5874% | 3,945 |
| Noninterest expense to average assets | 3.0219% | 4,002 |
| Loan and lease loss provision to assets | 0.4413% | 3,084 |
| Net operating income to assets | 0.0500% | 6,231 |
| Return on assets (ROA) | 0.0736% | 6,022 |
| Pretax return on assets | 0.1047% | 5,928 |
| Return on Equity (ROE) | 0.4879% | 6,082 |
| Retained earnings to average equity (ytd only) | -0.6497% | 5,489 |
| Net charge-offs to loans | 0.3481% | 3,090 |
| Credit loss provision to net charge-offs | 193.9837% | 2,523 |
| Earnings coverage of net charge-offs (x) | 2.2520% | 4,952 |
| Efficiency ratio | 77.9696% | 2,920 |
| Assets per employee ($millions) | 4.1657% | 3,177 |
| Cash dividends to net income (ytd only)* | 233.1658% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 5,072 |
| Loan loss allowance to noncurrent loans | 118.1871% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 3,498 |
| Noncurrent loans to loans | 0.9550% | 4,694 |
| Net loans and leases to total assets | 64.8038% | 5,104 |
| Net loans and leases to deposits | 93.4882% | 2,858 |
| Net loans and leases to core deposits | 111.7679% | 3,589 |
| Total domestic deposits to total assets | 69.3176% | 7,350 |
| Equity capital to assets | 14.9611% | 1,170 |
| Core capital (leverage) ratio | 7.2829% | 7,433 |
| Tier 1 risk-based capital ratio | 9.6691% | 7,119 |
| Total risk-based capital ratio | 10.7406% | 7,238 |
| Memoranda: | ||
| Average total assets | $270,357,800 | 2,383 |
| Average earning assets | $227,127,200 | 2,577 |
| Average equity | $40,786,000 | 1,643 |
| Average total loans | $176,654,600 | 2,539 |