Home > Colorado East Bank & Trust > Performance and Condition Ratios
Colorado East Bank & Trust, Performance and Condition Ratios
| 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 | 4.2841% | 2,202 |
| Cost of funding earning assets | 0.2872% | 4,273 |
| Net interest margin | 3.9969% | 1,655 |
| Noninterest income to average assets | 0.3513% | 4,266 |
| Noninterest expense to average assets | 3.3869% | 1,400 |
| Loan and lease loss provision to assets | 0.1671% | 1,338 |
| Net operating income to assets | 0.6210% | 4,185 |
| Return on assets (ROA) | 0.6210% | 4,317 |
| Pretax return on assets | 0.3564% | 5,411 |
| Return on Equity (ROE) | 5.1263% | 4,454 |
| Retained earnings to average equity (ytd only) | -6.6842% | 5,806 |
| Net charge-offs to loans | 0.8641% | 228 |
| Credit loss provision to net charge-offs | 31.5737% | 2,846 |
| Earnings coverage of net charge-offs (x) | 0.9889% | 3,464 |
| Efficiency ratio | 85.9515% | 889 |
| Assets per employee ($millions) | 3.4012% | 4,924 |
| Cash dividends to net income (ytd only)* | 230.3901% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 3,025 |
| Loan loss allowance to noncurrent loans | 491.5896% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 2,745 |
| Noncurrent loans to loans | 0.2560% | 4,436 |
| Net loans and leases to total assets | 61.0204% | 3,748 |
| Net loans and leases to deposits | 69.4975% | 4,032 |
| Net loans and leases to core deposits | 72.9542% | 4,084 |
| Total domestic deposits to total assets | 87.8023% | 1,525 |
| Equity capital to assets | 11.7970% | 2,272 |
| Core capital (leverage) ratio | 9.8214% | 3,786 |
| Tier 1 risk-based capital ratio | 13.6438% | 3,806 |
| Total risk-based capital ratio | 14.7514% | 3,816 |
| Memoranda: | ||
| Average total assets | $751,426,670 | 957 |
| Average earning assets | $669,122,670 | 998 |
| Average equity | $91,020,330 | 880 |
| Average total loans | $460,371,670 | 1,055 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 2,318 |
| Cost of funding earning assets | 0.2857% | 4,321 |
| Net interest margin | 3.9595% | 1,744 |
| Noninterest income to average assets | 0.5058% | 3,077 |
| Noninterest expense to average assets | 3.1603% | 1,929 |
| Loan and lease loss provision to assets | 0.1331% | 1,585 |
| Net operating income to assets | 1.1878% | 1,595 |
| Return on assets (ROA) | 1.1878% | 1,692 |
| Pretax return on assets | 0.7321% | 4,413 |
| Return on Equity (ROE) | 9.6796% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.6796% | 930 |
| Net charge-offs to loans | 1.5501% | 115 |
| Credit loss provision to net charge-offs | 14.0766% | 2,338 |
| Earnings coverage of net charge-offs (x) | 0.9150% | 2,884 |
| Efficiency ratio | 77.8733% | 1,913 |
| Assets per employee ($millions) | 3.3260% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 3,334 |
| Loan loss allowance to noncurrent loans | 162.6575% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.4120% | 1,469 |
| Noncurrent loans to loans | 0.7537% | 2,952 |
| Net loans and leases to total assets | 61.4256% | 3,603 |
| Net loans and leases to deposits | 70.4461% | 3,818 |
| Net loans and leases to core deposits | 74.0338% | 3,896 |
| Total domestic deposits to total assets | 87.1952% | 2,106 |
| Equity capital to assets | 12.5397% | 1,657 |
| Core capital (leverage) ratio | 10.5042% | 2,957 |
| Tier 1 risk-based capital ratio | 14.5075% | 3,390 |
| Total risk-based capital ratio | 15.5742% | 3,415 |
| Memoranda: | ||
| Average total assets | $751,311,500 | 955 |
| Average earning assets | $667,863,500 | 995 |
| Average equity | $92,194,000 | 862 |
| Average total loans | $458,303,000 | 1,053 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0333% | 3,178 |
| Cost of funding earning assets | 0.2999% | 4,250 |
| Net interest margin | 3.7334% | 2,631 |
| Noninterest income to average assets | 0.2269% | 5,238 |
| Noninterest expense to average assets | 3.2183% | 1,920 |
| Loan and lease loss provision to assets | 0.0026% | 4,334 |
| Net operating income to assets | 0.2763% | 5,420 |
| Return on assets (ROA) | 0.3249% | 5,369 |
| Pretax return on assets | 0.3886% | 5,346 |
| Return on Equity (ROE) | 2.7490% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.7490% | 4,115 |
| Net charge-offs to loans | 0.5713% | 427 |
| Credit loss provision to net charge-offs | 0.7990% | 3,891 |
| Earnings coverage of net charge-offs (x) | 1.0100% | 4,151 |
| Efficiency ratio | 89.8912% | 694 |
| Assets per employee ($millions) | 3.3228% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,646 |
| Loan loss allowance to noncurrent loans | 91.1344% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.9848% | 893 |
| Noncurrent loans to loans | 1.7444% | 1,287 |
| Net loans and leases to total assets | 58.8813% | 3,987 |
| Net loans and leases to deposits | 67.1814% | 4,201 |
| Net loans and leases to core deposits | 70.5301% | 4,265 |
| Total domestic deposits to total assets | 87.6452% | 1,823 |
| Equity capital to assets | 12.0069% | 1,947 |
| Core capital (leverage) ratio | 10.4579% | 2,972 |
| Tier 1 risk-based capital ratio | 14.4250% | 3,480 |
| Total risk-based capital ratio | 15.6811% | 3,390 |
| Memoranda: | ||
| Average total assets | $758,126,000 | 914 |
| Average earning assets | $675,177,400 | 942 |
| Average equity | $89,596,400 | 852 |
| Average total loans | $438,097,400 | 1,047 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,285 |
| Cost of funding earning assets | 0.3065% | 4,260 |
| Net interest margin | 3.7087% | 2,731 |
| Noninterest income to average assets | 0.1161% | 5,893 |
| Noninterest expense to average assets | 3.2394% | 1,852 |
| Loan and lease loss provision to assets | 0.0037% | 4,182 |
| Net operating income to assets | 0.1892% | 5,699 |
| Return on assets (ROA) | 0.2105% | 5,721 |
| Pretax return on assets | 0.2008% | 5,789 |
| Return on Equity (ROE) | 1.7881% | 5,715 |
| Retained earnings to average equity (ytd only) | 1.7881% | 4,984 |
| Net charge-offs to loans | 0.7300% | 285 |
| Credit loss provision to net charge-offs | 0.8831% | 3,515 |
| Earnings coverage of net charge-offs (x) | 0.4382% | 3,949 |
| Efficiency ratio | 93.9019% | 492 |
| Assets per employee ($millions) | 3.2047% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 1,611 |
| Loan loss allowance to noncurrent loans | 52.6876% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.8486% | 558 |
| Noncurrent loans to loans | 3.1310% | 544 |
| Net loans and leases to total assets | 59.5647% | 3,930 |
| Net loans and leases to deposits | 68.1507% | 4,180 |
| Net loans and leases to core deposits | 71.6324% | 4,218 |
| Total domestic deposits to total assets | 87.4014% | 1,845 |
| Equity capital to assets | 12.2840% | 1,885 |
| Core capital (leverage) ratio | 10.2772% | 3,275 |
| Tier 1 risk-based capital ratio | 14.2697% | 3,687 |
| Total risk-based capital ratio | 15.5260% | 3,613 |
| Memoranda: | ||
| Average total assets | $758,258,750 | 915 |
| Average earning assets | $676,042,250 | 955 |
| Average equity | $89,254,500 | 862 |
| Average total loans | $434,299,750 | 1,055 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 3,636 |
| Cost of funding earning assets | 0.3127% | 4,247 |
| Net interest margin | 3.6011% | 3,092 |
| Noninterest income to average assets | -0.0117% | 6,277 |
| Noninterest expense to average assets | 3.2626% | 1,812 |
| Loan and lease loss provision to assets | 0.0003% | 4,068 |
| Net operating income to assets | 0.0385% | 5,951 |
| Return on assets (ROA) | 0.0428% | 5,988 |
| Pretax return on assets | -0.0553% | 6,047 |
| Return on Equity (ROE) | 0.3687% | 5,985 |
| Retained earnings to average equity (ytd only) | 0.3687% | 5,396 |
| Net charge-offs to loans | 0.0269% | 3,138 |
| Credit loss provision to net charge-offs | 1.7241% | 3,151 |
| Earnings coverage of net charge-offs (x) | -4.0862% | 3,817 |
| Efficiency ratio | 101.1415% | 295 |
| Assets per employee ($millions) | 3.3054% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1976% | 735 |
| Loan loss allowance to noncurrent loans | 73.9785% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 3.0997% | 518 |
| Noncurrent loans to loans | 2.9706% | 672 |
| Net loans and leases to total assets | 56.6306% | 4,263 |
| Net loans and leases to deposits | 64.3950% | 4,498 |
| Net loans and leases to core deposits | 67.6438% | 4,519 |
| Total domestic deposits to total assets | 87.9427% | 1,675 |
| Equity capital to assets | 11.7306% | 2,222 |
| Core capital (leverage) ratio | 9.9331% | 3,698 |
| Tier 1 risk-based capital ratio | 13.9347% | 3,969 |
| Total risk-based capital ratio | 15.1961% | 3,899 |
| Memoranda: | ||
| Average total assets | $766,387,330 | 910 |
| Average earning assets | $683,685,330 | 940 |
| Average equity | $88,956,330 | 867 |
| Average total loans | $430,912,670 | 1,063 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 3,884 |
| Cost of funding earning assets | 0.3054% | 4,382 |
| Net interest margin | 3.5269% | 3,317 |
| Noninterest income to average assets | 0.3636% | 4,302 |
| Noninterest expense to average assets | 3.3505% | 1,597 |
| Loan and lease loss provision to assets | -0.0031% | 6,078 |
| Net operating income to assets | 0.1779% | 5,730 |
| Return on assets (ROA) | 0.1914% | 5,784 |
| Pretax return on assets | 0.1748% | 5,861 |
| Return on Equity (ROE) | 1.6577% | 5,768 |
| Retained earnings to average equity (ytd only) | 1.6577% | 4,810 |
| Net charge-offs to loans | 0.0506% | 2,277 |
| Credit loss provision to net charge-offs | -11.1111% | 4,307 |
| Earnings coverage of net charge-offs (x) | 5.6481% | 2,367 |
| Efficiency ratio | 94.7812% | 555 |
| Assets per employee ($millions) | 3.4045% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2458% | 755 |
| Loan loss allowance to noncurrent loans | 75.3915% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.1891% | 559 |
| Noncurrent loans to loans | 2.9788% | 733 |
| Net loans and leases to total assets | 54.2349% | 4,417 |
| Net loans and leases to deposits | 61.5555% | 4,618 |
| Net loans and leases to core deposits | 64.3992% | 4,661 |
| Total domestic deposits to total assets | 88.1073% | 1,754 |
| Equity capital to assets | 11.5816% | 2,393 |
| Core capital (leverage) ratio | 9.9153% | 3,722 |
| Tier 1 risk-based capital ratio | 14.1682% | 3,902 |
| Total risk-based capital ratio | 15.4299% | 3,823 |
| Memoranda: | ||
| Average total assets | $771,114,500 | 906 |
| Average earning assets | $687,625,500 | 934 |
| Average equity | $89,038,000 | 868 |
| Average total loans | $427,225,000 | 1,073 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,910 |
| Cost of funding earning assets | 0.3527% | 4,223 |
| Net interest margin | 3.6007% | 3,412 |
| Noninterest income to average assets | 0.4742% | 3,680 |
| Noninterest expense to average assets | 3.2558% | 2,055 |
| Loan and lease loss provision to assets | 0.2855% | 734 |
| Net operating income to assets | 0.1773% | 5,810 |
| Return on assets (ROA) | 0.1769% | 5,858 |
| Pretax return on assets | 0.1285% | 5,965 |
| Return on Equity (ROE) | 1.5313% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.5313% | 5,062 |
| Net charge-offs to loans | 1.1324% | 247 |
| Credit loss provision to net charge-offs | 45.8183% | 3,575 |
| Earnings coverage of net charge-offs (x) | 0.6650% | 4,594 |
| Efficiency ratio | 88.0109% | 996 |
| Assets per employee ($millions) | 3.4196% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2761% | 749 |
| Loan loss allowance to noncurrent loans | 72.0104% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 3.3524% | 564 |
| Noncurrent loans to loans | 3.1608% | 699 |
| Net loans and leases to total assets | 54.0667% | 4,574 |
| Net loans and leases to deposits | 61.3576% | 4,774 |
| Net loans and leases to core deposits | 66.0515% | 4,665 |
| Total domestic deposits to total assets | 88.1172% | 1,709 |
| Equity capital to assets | 11.5116% | 2,420 |
| Core capital (leverage) ratio | 9.9224% | 3,685 |
| Tier 1 risk-based capital ratio | 14.5497% | 3,747 |
| Total risk-based capital ratio | 15.8080% | 3,675 |
| Memoranda: | ||
| Average total assets | $757,899,000 | 895 |
| Average earning assets | $672,730,000 | 914 |
| Average equity | $87,574,200 | 847 |
| Average total loans | $417,086,800 | 1,054 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 3,914 |
| Cost of funding earning assets | 0.3689% | 4,137 |
| Net interest margin | 3.5939% | 3,452 |
| Noninterest income to average assets | 0.5052% | 3,514 |
| Noninterest expense to average assets | 3.2812% | 1,946 |
| Loan and lease loss provision to assets | 0.3770% | 460 |
| Net operating income to assets | 0.1381% | 5,966 |
| Return on assets (ROA) | 0.1376% | 6,000 |
| Pretax return on assets | 0.0328% | 6,122 |
| Return on Equity (ROE) | 1.1894% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.1894% | 5,416 |
| Net charge-offs to loans | 1.4624% | 167 |
| Credit loss provision to net charge-offs | 46.9128% | 3,157 |
| Earnings coverage of net charge-offs (x) | 0.5107% | 4,367 |
| Efficiency ratio | 88.1894% | 983 |
| Assets per employee ($millions) | 3.3530% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3638% | 770 |
| Loan loss allowance to noncurrent loans | 81.9060% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 3.5889% | 587 |
| Noncurrent loans to loans | 2.8860% | 940 |
| Net loans and leases to total assets | 54.8045% | 4,485 |
| Net loans and leases to deposits | 62.4146% | 4,700 |
| Net loans and leases to core deposits | 67.3032% | 4,578 |
| Total domestic deposits to total assets | 87.8073% | 1,863 |
| Equity capital to assets | 11.8591% | 2,187 |
| Core capital (leverage) ratio | 9.8025% | 3,936 |
| Tier 1 risk-based capital ratio | 14.7394% | 3,742 |
| Total risk-based capital ratio | 15.9988% | 3,677 |
| Memoranda: | ||
| Average total assets | $755,019,500 | 908 |
| Average earning assets | $669,419,000 | 924 |
| Average equity | $87,324,750 | 847 |
| Average total loans | $414,936,750 | 1,058 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,950 |
| Cost of funding earning assets | 0.3788% | 4,113 |
| Net interest margin | 3.5658% | 3,504 |
| Noninterest income to average assets | 0.4583% | 3,801 |
| Noninterest expense to average assets | 3.2558% | 2,032 |
| Loan and lease loss provision to assets | -0.0058% | 6,219 |
| Net operating income to assets | 0.3443% | 5,423 |
| Return on assets (ROA) | 0.3436% | 5,495 |
| Pretax return on assets | 0.3744% | 5,628 |
| Return on Equity (ROE) | 2.9952% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.9952% | 4,295 |
| Net charge-offs to loans | 1.6136% | 160 |
| Credit loss provision to net charge-offs | -0.6577% | 5,043 |
| Earnings coverage of net charge-offs (x) | 0.4194% | 4,047 |
| Efficiency ratio | 89.1068% | 983 |
| Assets per employee ($millions) | 3.2687% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 1,148 |
| Loan loss allowance to noncurrent loans | 46.1710% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 4.0469% | 524 |
| Noncurrent loans to loans | 4.5873% | 471 |
| Net loans and leases to total assets | 54.5925% | 4,470 |
| Net loans and leases to deposits | 62.1238% | 4,679 |
| Net loans and leases to core deposits | 67.0292% | 4,554 |
| Total domestic deposits to total assets | 87.8768% | 1,980 |
| Equity capital to assets | 11.7407% | 2,215 |
| Core capital (leverage) ratio | 9.9958% | 3,615 |
| Tier 1 risk-based capital ratio | 14.8653% | 3,708 |
| Total risk-based capital ratio | 16.1223% | 3,647 |
| Memoranda: | ||
| Average total assets | $759,690,000 | 898 |
| Average earning assets | $674,689,330 | 915 |
| Average equity | $87,140,670 | 839 |
| Average total loans | $414,603,000 | 1,053 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7499% | 4,668 |
| Cost of funding earning assets | 0.3824% | 4,166 |
| Net interest margin | 3.3675% | 4,263 |
| Noninterest income to average assets | 0.3195% | 4,819 |
| Noninterest expense to average assets | 3.2262% | 2,135 |
| Loan and lease loss provision to assets | -0.0042% | 6,377 |
| Net operating income to assets | 0.1917% | 5,824 |
| Return on assets (ROA) | 0.1917% | 5,869 |
| Pretax return on assets | 0.1006% | 6,079 |
| Return on Equity (ROE) | 1.6910% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.6910% | 4,938 |
| Net charge-offs to loans | 0.3377% | 1,060 |
| Credit loss provision to net charge-offs | -2.2989% | 4,639 |
| Earnings coverage of net charge-offs (x) | 0.5287% | 3,327 |
| Efficiency ratio | 96.3424% | 621 |
| Assets per employee ($millions) | 3.4790% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9202% | 469 |
| Loan loss allowance to noncurrent loans | 44.9586% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 5.0236% | 403 |
| Noncurrent loans to loans | 6.4954% | 254 |
| Net loans and leases to total assets | 52.6091% | 4,595 |
| Net loans and leases to deposits | 59.7972% | 4,783 |
| Net loans and leases to core deposits | 64.6348% | 4,633 |
| Total domestic deposits to total assets | 87.9793% | 2,245 |
| Equity capital to assets | 11.5603% | 2,196 |
| Core capital (leverage) ratio | 9.6148% | 4,112 |
| Tier 1 risk-based capital ratio | 15.0972% | 3,658 |
| Total risk-based capital ratio | 16.3627% | 3,603 |
| Memoranda: | ||
| Average total assets | $763,630,500 | 892 |
| Average earning assets | $680,984,500 | 910 |
| Average equity | $86,577,000 | 847 |
| Average total loans | $412,248,500 | 1,063 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 3,992 |
| Cost of funding earning assets | 0.4815% | 3,801 |
| Net interest margin | 3.5465% | 3,702 |
| Noninterest income to average assets | 0.4415% | 4,145 |
| Noninterest expense to average assets | 3.1687% | 2,519 |
| Loan and lease loss provision to assets | 0.2657% | 1,330 |
| Net operating income to assets | 0.1821% | 5,873 |
| Return on assets (ROA) | 0.1821% | 5,936 |
| Pretax return on assets | 0.1664% | 5,995 |
| Return on Equity (ROE) | 1.6579% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.6579% | 5,042 |
| Net charge-offs to loans | 0.5843% | 1,130 |
| Credit loss provision to net charge-offs | 80.4112% | 3,036 |
| Earnings coverage of net charge-offs (x) | 1.3076% | 4,628 |
| Efficiency ratio | 87.1311% | 1,299 |
| Assets per employee ($millions) | 3.5104% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9353% | 512 |
| Loan loss allowance to noncurrent loans | 42.8237% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 5.3980% | 407 |
| Noncurrent loans to loans | 6.8543% | 251 |
| Net loans and leases to total assets | 52.2067% | 4,819 |
| Net loans and leases to deposits | 59.0432% | 5,033 |
| Net loans and leases to core deposits | 65.3301% | 4,748 |
| Total domestic deposits to total assets | 88.4213% | 1,938 |
| Equity capital to assets | 11.1218% | 2,507 |
| Core capital (leverage) ratio | 9.4288% | 4,371 |
| Tier 1 risk-based capital ratio | 14.5769% | 3,917 |
| Total risk-based capital ratio | 15.8425% | 3,842 |
| Memoranda: | ||
| Average total assets | $780,141,800 | 862 |
| Average earning assets | $694,966,200 | 872 |
| Average equity | $85,711,200 | 833 |
| Average total loans | $441,208,200 | 968 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 3,797 |
| Cost of funding earning assets | 0.5014% | 3,757 |
| Net interest margin | 3.5898% | 3,490 |
| Noninterest income to average assets | 0.3884% | 4,615 |
| Noninterest expense to average assets | 3.1841% | 2,410 |
| Loan and lease loss provision to assets | 0.3536% | 902 |
| Net operating income to assets | 0.1659% | 6,001 |
| Return on assets (ROA) | 0.1659% | 6,068 |
| Pretax return on assets | 0.0474% | 6,262 |
| Return on Equity (ROE) | 1.5145% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.5145% | 5,373 |
| Net charge-offs to loans | 0.7126% | 838 |
| Credit loss provision to net charge-offs | 86.6946% | 2,698 |
| Earnings coverage of net charge-offs (x) | 0.9833% | 4,517 |
| Efficiency ratio | 87.9421% | 1,184 |
| Assets per employee ($millions) | 3.4131% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9326% | 593 |
| Loan loss allowance to noncurrent loans | 39.8826% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 5.8728% | 419 |
| Noncurrent loans to loans | 7.3532% | 267 |
| Net loans and leases to total assets | 53.5958% | 4,676 |
| Net loans and leases to deposits | 60.6551% | 4,906 |
| Net loans and leases to core deposits | 67.8274% | 4,540 |
| Total domestic deposits to total assets | 88.3617% | 1,911 |
| Equity capital to assets | 11.1843% | 2,580 |
| Core capital (leverage) ratio | 9.2167% | 4,811 |
| Tier 1 risk-based capital ratio | 14.2558% | 4,249 |
| Total risk-based capital ratio | 15.5217% | 4,178 |
| Memoranda: | ||
| Average total assets | $781,226,750 | 863 |
| Average earning assets | $695,692,750 | 874 |
| Average equity | $85,568,250 | 839 |
| Average total loans | $447,193,000 | 961 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 4,071 |
| Cost of funding earning assets | 0.5141% | 3,765 |
| Net interest margin | 3.4951% | 3,798 |
| Noninterest income to average assets | 0.3052% | 5,269 |
| Noninterest expense to average assets | 3.2816% | 2,123 |
| Loan and lease loss provision to assets | 0.5094% | 528 |
| Net operating income to assets | -0.1349% | 6,442 |
| Return on assets (ROA) | -0.1349% | 6,487 |
| Pretax return on assets | -0.3709% | 6,583 |
| Return on Equity (ROE) | -1.2403% | 6,473 |
| Retained earnings to average equity (ytd only) | -1.2403% | 6,082 |
| Net charge-offs to loans | 0.9457% | 653 |
| Credit loss provision to net charge-offs | 93.0265% | 2,373 |
| Earnings coverage of net charge-offs (x) | 0.2529% | 4,464 |
| Efficiency ratio | 95.0428% | 705 |
| Assets per employee ($millions) | 3.2810% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8849% | 653 |
| Loan loss allowance to noncurrent loans | 37.9289% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 6.0603% | 447 |
| Noncurrent loans to loans | 7.6061% | 285 |
| Net loans and leases to total assets | 54.5605% | 4,511 |
| Net loans and leases to deposits | 61.4317% | 4,809 |
| Net loans and leases to core deposits | 69.0691% | 4,384 |
| Total domestic deposits to total assets | 88.8150% | 1,724 |
| Equity capital to assets | 10.7749% | 2,971 |
| Core capital (leverage) ratio | 9.0126% | 4,965 |
| Tier 1 risk-based capital ratio | 13.5559% | 4,737 |
| Total risk-based capital ratio | 14.8215% | 4,689 |
| Memoranda: | ||
| Average total assets | $785,654,330 | 855 |
| Average earning assets | $700,189,000 | 868 |
| Average equity | $85,461,330 | 834 |
| Average total loans | $454,917,000 | 933 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 4,320 |
| Cost of funding earning assets | 0.5291% | 3,788 |
| Net interest margin | 3.4131% | 4,070 |
| Noninterest income to average assets | 0.2305% | 5,809 |
| Noninterest expense to average assets | 3.2585% | 2,191 |
| Loan and lease loss provision to assets | 0.1074% | 2,903 |
| Net operating income to assets | -0.0056% | 6,350 |
| Return on assets (ROA) | -0.0056% | 6,424 |
| Pretax return on assets | -0.0871% | 6,478 |
| Return on Equity (ROE) | -0.0510% | 6,426 |
| Retained earnings to average equity (ytd only) | -0.0510% | 5,782 |
| Net charge-offs to loans | 0.2673% | 1,887 |
| Credit loss provision to net charge-offs | 68.3871% | 2,319 |
| Earnings coverage of net charge-offs (x) | 0.1290% | 3,772 |
| Efficiency ratio | 98.4397% | 616 |
| Assets per employee ($millions) | 3.3534% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7811% | 838 |
| Loan loss allowance to noncurrent loans | 31.9595% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 6.5893% | 450 |
| Noncurrent loans to loans | 8.7018% | 283 |
| Net loans and leases to total assets | 56.6181% | 3,985 |
| Net loans and leases to deposits | 63.9645% | 4,322 |
| Net loans and leases to core deposits | 71.9131% | 3,826 |
| Total domestic deposits to total assets | 88.5148% | 1,998 |
| Equity capital to assets | 11.0263% | 2,931 |
| Core capital (leverage) ratio | 9.1913% | 4,583 |
| Tier 1 risk-based capital ratio | 13.7609% | 4,689 |
| Total risk-based capital ratio | 15.0259% | 4,636 |
| Memoranda: | ||
| Average total assets | $789,688,500 | 852 |
| Average earning assets | $705,289,000 | 872 |
| Average equity | $86,300,000 | 832 |
| Average total loans | $463,946,500 | 917 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 2,603 |
| Cost of funding earning assets | 0.6815% | 3,641 |
| Net interest margin | 4.0165% | 2,328 |
| Noninterest income to average assets | -0.4259% | 7,024 |
| Noninterest expense to average assets | 2.9981% | 3,283 |
| Loan and lease loss provision to assets | 1.1079% | 340 |
| Net operating income to assets | -0.9344% | 6,723 |
| Return on assets (ROA) | 0.0544% | 6,226 |
| Pretax return on assets | 0.0079% | 6,272 |
| Return on Equity (ROE) | 0.5021% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.5021% | 5,597 |
| Net charge-offs to loans | 1.4566% | 620 |
| Credit loss provision to net charge-offs | 124.9859% | 2,270 |
| Earnings coverage of net charge-offs (x) | 0.1433% | 5,423 |
| Efficiency ratio | 94.6625% | 770 |
| Assets per employee ($millions) | 3.4250% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6970% | 923 |
| Loan loss allowance to noncurrent loans | 35.1361% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 6.1868% | 546 |
| Noncurrent loans to loans | 7.6760% | 390 |
| Net loans and leases to total assets | 57.6547% | 4,034 |
| Net loans and leases to deposits | 65.0548% | 4,415 |
| Net loans and leases to core deposits | 73.1116% | 3,908 |
| Total domestic deposits to total assets | 88.6248% | 1,821 |
| Equity capital to assets | 10.8325% | 3,139 |
| Core capital (leverage) ratio | 9.1276% | 4,692 |
| Tier 1 risk-based capital ratio | 13.3544% | 4,850 |
| Total risk-based capital ratio | 14.6185% | 4,799 |
| Memoranda: | ||
| Average total assets | $797,344,800 | 829 |
| Average earning assets | $704,949,600 | 858 |
| Average equity | $86,434,200 | 802 |
| Average total loans | $485,229,800 | 847 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8036% | 2,382 |
| Cost of funding earning assets | 0.7162% | 3,624 |
| Net interest margin | 4.0874% | 2,135 |
| Noninterest income to average assets | -0.4951% | 7,131 |
| Noninterest expense to average assets | 2.9922% | 3,258 |
| Loan and lease loss provision to assets | 1.4285% | 224 |
| Net operating income to assets | -0.6595% | 6,764 |
| Return on assets (ROA) | -0.0557% | 6,463 |
| Pretax return on assets | -0.3623% | 6,635 |
| Return on Equity (ROE) | -0.5137% | 6,460 |
| Retained earnings to average equity (ytd only) | -0.5137% | 6,179 |
| Net charge-offs to loans | 1.7914% | 440 |
| Credit loss provision to net charge-offs | 130.1783% | 2,213 |
| Earnings coverage of net charge-offs (x) | 0.1119% | 5,285 |
| Efficiency ratio | 94.7433% | 730 |
| Assets per employee ($millions) | 3.6261% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6495% | 1,032 |
| Loan loss allowance to noncurrent loans | 35.2335% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 6.6594% | 551 |
| Noncurrent loans to loans | 7.5198% | 444 |
| Net loans and leases to total assets | 59.7241% | 3,833 |
| Net loans and leases to deposits | 67.3339% | 4,282 |
| Net loans and leases to core deposits | 76.2886% | 3,694 |
| Total domestic deposits to total assets | 88.6984% | 1,598 |
| Equity capital to assets | 10.8142% | 3,484 |
| Core capital (leverage) ratio | 9.1036% | 4,909 |
| Tier 1 risk-based capital ratio | 13.1292% | 5,147 |
| Total risk-based capital ratio | 14.3929% | 5,100 |
| Memoranda: | ||
| Average total assets | $797,175,000 | 835 |
| Average earning assets | $704,058,250 | 863 |
| Average equity | $86,431,250 | 804 |
| Average total loans | $488,324,500 | 850 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 2,233 |
| Cost of funding earning assets | 0.7312% | 3,758 |
| Net interest margin | 4.1375% | 1,947 |
| Noninterest income to average assets | -0.6783% | 7,200 |
| Noninterest expense to average assets | 3.0071% | 3,234 |
| Loan and lease loss provision to assets | 1.8041% | 178 |
| Net operating income to assets | -1.3352% | 6,985 |
| Return on assets (ROA) | -1.2537% | 6,984 |
| Pretax return on assets | -1.7295% | 7,037 |
| Return on Equity (ROE) | -11.5534% | 6,935 |
| Retained earnings to average equity (ytd only) | -11.5534% | 6,877 |
| Net charge-offs to loans | 2.4354% | 298 |
| Credit loss provision to net charge-offs | 120.9862% | 2,267 |
| Earnings coverage of net charge-offs (x) | -0.0259% | 5,099 |
| Efficiency ratio | 99.8309% | 566 |
| Assets per employee ($millions) | 3.4014% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4935% | 1,294 |
| Loan loss allowance to noncurrent loans | 34.0657% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 6.6735% | 606 |
| Noncurrent loans to loans | 7.3196% | 513 |
| Net loans and leases to total assets | 59.5971% | 3,899 |
| Net loans and leases to deposits | 66.9365% | 4,373 |
| Net loans and leases to core deposits | 73.7522% | 4,064 |
| Total domestic deposits to total assets | 89.0353% | 1,476 |
| Equity capital to assets | 10.4415% | 3,757 |
| Core capital (leverage) ratio | 8.7044% | 5,376 |
| Tier 1 risk-based capital ratio | 12.1527% | 5,830 |
| Total risk-based capital ratio | 13.4146% | 5,799 |
| Memoranda: | ||
| Average total assets | $796,984,330 | 833 |
| Average earning assets | $702,448,670 | 863 |
| Average equity | $86,485,000 | 796 |
| Average total loans | $487,961,330 | 844 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 2,159 |
| Cost of funding earning assets | 0.7569% | 3,813 |
| Net interest margin | 4.1649% | 1,867 |
| Noninterest income to average assets | 0.2075% | 6,142 |
| Noninterest expense to average assets | 3.0772% | 2,995 |
| Loan and lease loss provision to assets | 2.1156% | 132 |
| Net operating income to assets | -0.6800% | 6,904 |
| Return on assets (ROA) | -0.6800% | 6,926 |
| Pretax return on assets | -1.3293% | 7,051 |
| Return on Equity (ROE) | -6.1490% | 6,894 |
| Retained earnings to average equity (ytd only) | -6.1490% | 6,670 |
| Net charge-offs to loans | 1.0711% | 961 |
| Credit loss provision to net charge-offs | 322.3331% | 927 |
| Earnings coverage of net charge-offs (x) | 1.1980% | 3,738 |
| Efficiency ratio | 78.5137% | 2,425 |
| Assets per employee ($millions) | 3.5588% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8803% | 928 |
| Loan loss allowance to noncurrent loans | 39.7185% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 7.3220% | 562 |
| Noncurrent loans to loans | 7.2517% | 595 |
| Net loans and leases to total assets | 59.2562% | 3,814 |
| Net loans and leases to deposits | 66.9808% | 4,237 |
| Net loans and leases to core deposits | 70.7838% | 4,322 |
| Total domestic deposits to total assets | 88.4674% | 2,030 |
| Equity capital to assets | 11.0303% | 2,867 |
| Core capital (leverage) ratio | 9.0763% | 4,719 |
| Tier 1 risk-based capital ratio | 12.8749% | 5,299 |
| Total risk-based capital ratio | 14.1406% | 5,269 |
| Memoranda: | ||
| Average total assets | $794,106,500 | 837 |
| Average earning assets | $697,064,500 | 870 |
| Average equity | $87,818,500 | 790 |
| Average total loans | $486,620,000 | 845 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 2,644 |
| Cost of funding earning assets | 0.9853% | 3,477 |
| Net interest margin | 4.0665% | 2,582 |
| Noninterest income to average assets | -0.3613% | 7,229 |
| Noninterest expense to average assets | 2.8635% | 4,114 |
| Loan and lease loss provision to assets | 1.7594% | 381 |
| Net operating income to assets | -0.7353% | 6,623 |
| Return on assets (ROA) | -0.7380% | 6,660 |
| Pretax return on assets | -1.3783% | 6,862 |
| Return on Equity (ROE) | -6.9095% | 6,629 |
| Retained earnings to average equity (ytd only) | -6.9095% | 6,568 |
| Net charge-offs to loans | 2.2151% | 577 |
| Credit loss provision to net charge-offs | 128.9081% | 2,387 |
| Earnings coverage of net charge-offs (x) | 0.2824% | 5,616 |
| Efficiency ratio | 86.7740% | 1,467 |
| Assets per employee ($millions) | 3.3821% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,729 |
| Loan loss allowance to noncurrent loans | 51.4517% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 5.7062% | 885 |
| Noncurrent loans to loans | 4.3473% | 1,393 |
| Net loans and leases to total assets | 60.1651% | 3,964 |
| Net loans and leases to deposits | 68.1314% | 4,426 |
| Net loans and leases to core deposits | 72.3836% | 4,456 |
| Total domestic deposits to total assets | 88.3074% | 1,961 |
| Equity capital to assets | 11.0869% | 2,906 |
| Core capital (leverage) ratio | 9.0970% | 4,623 |
| Tier 1 risk-based capital ratio | 12.7005% | 5,306 |
| Total risk-based capital ratio | 13.9591% | 5,279 |
| Memoranda: | ||
| Average total assets | $839,419,800 | 777 |
| Average earning assets | $745,236,000 | 793 |
| Average equity | $89,658,800 | 753 |
| Average total loans | $517,214,400 | 802 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 2,961 |
| Cost of funding earning assets | 1.0422% | 3,370 |
| Net interest margin | 3.9843% | 2,980 |
| Noninterest income to average assets | -0.1053% | 7,210 |
| Noninterest expense to average assets | 2.8303% | 4,234 |
| Loan and lease loss provision to assets | 1.4985% | 463 |
| Net operating income to assets | -0.8981% | 6,838 |
| Return on assets (ROA) | -0.9038% | 6,882 |
| Pretax return on assets | -0.8897% | 6,828 |
| Return on Equity (ROE) | -8.5378% | 6,840 |
| Retained earnings to average equity (ytd only) | -8.5378% | 6,792 |
| Net charge-offs to loans | 1.2528% | 1,241 |
| Credit loss provision to net charge-offs | 194.0662% | 1,502 |
| Earnings coverage of net charge-offs (x) | 0.7958% | 5,019 |
| Efficiency ratio | 80.8919% | 2,127 |
| Assets per employee ($millions) | 3.8396% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3550% | 1,611 |
| Loan loss allowance to noncurrent loans | 31.1746% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 6.7821% | 745 |
| Noncurrent loans to loans | 7.5541% | 618 |
| Net loans and leases to total assets | 61.5129% | 3,844 |
| Net loans and leases to deposits | 69.6951% | 4,345 |
| Net loans and leases to core deposits | 74.2532% | 4,417 |
| Total domestic deposits to total assets | 88.2600% | 1,892 |
| Equity capital to assets | 10.7551% | 3,416 |
| Core capital (leverage) ratio | 8.6417% | 5,491 |
| Tier 1 risk-based capital ratio | 12.2756% | 5,684 |
| Total risk-based capital ratio | 13.5361% | 5,663 |
| Memoranda: | ||
| Average total assets | $849,733,750 | 776 |
| Average earning assets | $757,110,750 | 790 |
| Average equity | $89,950,500 | 752 |
| Average total loans | $523,717,250 | 808 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 3,472 |
| Cost of funding earning assets | 1.0636% | 3,517 |
| Net interest margin | 3.8701% | 3,442 |
| Noninterest income to average assets | 0.3841% | 4,806 |
| Noninterest expense to average assets | 2.8016% | 4,418 |
| Loan and lease loss provision to assets | 1.7426% | 387 |
| Net operating income to assets | -0.7283% | 6,831 |
| Return on assets (ROA) | -0.7367% | 6,850 |
| Pretax return on assets | -0.7157% | 6,779 |
| Return on Equity (ROE) | -6.9955% | 6,828 |
| Retained earnings to average equity (ytd only) | -6.9955% | 6,721 |
| Net charge-offs to loans | 0.0404% | 5,280 |
| Credit loss provision to net charge-offs | 7,040.5660% | 46 |
| Earnings coverage of net charge-offs (x) | 41.8302% | 720 |
| Efficiency ratio | 71.8902% | 3,756 |
| Assets per employee ($millions) | 3.8744% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8475% | 1,032 |
| Loan loss allowance to noncurrent loans | 30.3990% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 8.0698% | 569 |
| Noncurrent loans to loans | 9.3670% | 434 |
| Net loans and leases to total assets | 60.1705% | 4,239 |
| Net loans and leases to deposits | 68.5824% | 4,620 |
| Net loans and leases to core deposits | 73.1948% | 4,686 |
| Total domestic deposits to total assets | 87.7347% | 2,324 |
| Equity capital to assets | 10.5431% | 3,456 |
| Core capital (leverage) ratio | 8.8711% | 4,927 |
| Tier 1 risk-based capital ratio | 12.5501% | 5,295 |
| Total risk-based capital ratio | 13.8158% | 5,250 |
| Memoranda: | ||
| Average total assets | $856,524,330 | 773 |
| Average earning assets | $764,164,000 | 791 |
| Average equity | $90,201,000 | 754 |
| Average total loans | $524,133,330 | 819 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9253% | 3,450 |
| Cost of funding earning assets | 1.0988% | 3,529 |
| Net interest margin | 3.8265% | 3,483 |
| Noninterest income to average assets | 0.3732% | 4,925 |
| Noninterest expense to average assets | 2.7431% | 4,666 |
| Loan and lease loss provision to assets | 1.3510% | 499 |
| Net operating income to assets | -0.3429% | 6,698 |
| Return on assets (ROA) | -0.3685% | 6,730 |
| Pretax return on assets | -0.3266% | 6,638 |
| Return on Equity (ROE) | -3.5012% | 6,710 |
| Retained earnings to average equity (ytd only) | -3.5012% | 6,366 |
| Net charge-offs to loans | -0.0391% | 6,808 |
| Credit loss provision to net charge-offs | -5,686.2745% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1742% | 4,016 |
| Assets per employee ($millions) | 3.9750% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0563% | 2,277 |
| Loan loss allowance to noncurrent loans | 24.1731% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 7.2263% | 718 |
| Noncurrent loans to loans | 8.5065% | 550 |
| Net loans and leases to total assets | 58.9488% | 4,470 |
| Net loans and leases to deposits | 66.6500% | 4,883 |
| Net loans and leases to core deposits | 71.4378% | 4,862 |
| Total domestic deposits to total assets | 88.4453% | 2,108 |
| Equity capital to assets | 10.5057% | 3,171 |
| Core capital (leverage) ratio | 9.0722% | 4,495 |
| Tier 1 risk-based capital ratio | 13.0884% | 4,757 |
| Total risk-based capital ratio | 14.3452% | 4,733 |
| Memoranda: | ||
| Average total assets | $858,604,500 | 779 |
| Average earning assets | $767,391,500 | 796 |
| Average equity | $90,368,500 | 746 |
| Average total loans | $522,248,000 | 827 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 3,518 |
| Cost of funding earning assets | 1.5591% | 2,307 |
| Net interest margin | 3.6593% | 4,534 |
| Noninterest income to average assets | 0.3055% | 5,614 |
| Noninterest expense to average assets | 2.6086% | 5,381 |
| Loan and lease loss provision to assets | 0.5261% | 3,048 |
| Net operating income to assets | 0.3717% | 4,672 |
| Return on assets (ROA) | 0.6237% | 3,730 |
| Pretax return on assets | 0.7684% | 3,733 |
| Return on Equity (ROE) | 6.1065% | 3,567 |
| Retained earnings to average equity (ytd only) | 5.1746% | 2,325 |
| Net charge-offs to loans | 0.9148% | 2,353 |
| Credit loss provision to net charge-offs | 92.4199% | 5,020 |
| Earnings coverage of net charge-offs (x) | 1.7278% | 4,423 |
| Efficiency ratio | 71.3781% | 3,913 |
| Assets per employee ($millions) | 4.0693% | 3,640 |
| Cash dividends to net income (ytd only)* | 15.2608% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 4,261 |
| Loan loss allowance to noncurrent loans | 19.7504% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 6.7035% | 837 |
| Noncurrent loans to loans | 7.3635% | 745 |
| Net loans and leases to total assets | 60.5701% | 4,568 |
| Net loans and leases to deposits | 68.7656% | 4,991 |
| Net loans and leases to core deposits | 73.4601% | 5,046 |
| Total domestic deposits to total assets | 88.0820% | 2,201 |
| Equity capital to assets | 10.5444% | 3,113 |
| Core capital (leverage) ratio | 9.1184% | 4,319 |
| Tier 1 risk-based capital ratio | 12.8623% | 4,719 |
| Total risk-based capital ratio | 14.1126% | 4,689 |
| Memoranda: | ||
| Average total assets | $866,826,800 | 779 |
| Average earning assets | $778,527,400 | 786 |
| Average equity | $88,528,400 | 757 |
| Average total loans | $539,326,200 | 838 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 3,870 |
| Cost of funding earning assets | 1.6499% | 2,105 |
| Net interest margin | 3.5420% | 5,132 |
| Noninterest income to average assets | 0.2985% | 5,754 |
| Noninterest expense to average assets | 2.6065% | 5,304 |
| Loan and lease loss provision to assets | 0.6230% | 2,441 |
| Net operating income to assets | 0.1859% | 5,549 |
| Return on assets (ROA) | 0.1886% | 5,701 |
| Pretax return on assets | 0.2606% | 5,586 |
| Return on Equity (ROE) | 1.8615% | 5,658 |
| Retained earnings to average equity (ytd only) | 0.6119% | 5,555 |
| Net charge-offs to loans | 1.0438% | 1,940 |
| Credit loss provision to net charge-offs | 95.6419% | 4,536 |
| Earnings coverage of net charge-offs (x) | 1.3508% | 4,727 |
| Efficiency ratio | 73.4859% | 3,416 |
| Assets per employee ($millions) | 4.1382% | 3,579 |
| Cash dividends to net income (ytd only)* | 67.1274% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 4,255 |
| Loan loss allowance to noncurrent loans | 20.1502% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 5.9019% | 1,020 |
| Noncurrent loans to loans | 7.1478% | 770 |
| Net loans and leases to total assets | 60.2039% | 4,870 |
| Net loans and leases to deposits | 68.3275% | 5,377 |
| Net loans and leases to core deposits | 74.1632% | 5,270 |
| Total domestic deposits to total assets | 88.1107% | 1,896 |
| Equity capital to assets | 10.1785% | 3,908 |
| Core capital (leverage) ratio | 8.4870% | 5,538 |
| Tier 1 risk-based capital ratio | 11.7155% | 5,716 |
| Total risk-based capital ratio | 12.9657% | 5,687 |
| Memoranda: | ||
| Average total assets | $868,879,750 | 778 |
| Average earning assets | $782,016,750 | 783 |
| Average equity | $88,026,500 | 756 |
| Average total loans | $542,223,000 | 835 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 3,773 |
| Cost of funding earning assets | 1.6234% | 2,523 |
| Net interest margin | 3.6148% | 4,758 |
| Noninterest income to average assets | 0.1683% | 6,700 |
| Noninterest expense to average assets | 2.6481% | 5,135 |
| Loan and lease loss provision to assets | 0.8739% | 1,665 |
| Net operating income to assets | -0.1006% | 6,228 |
| Return on assets (ROA) | -0.0997% | 6,301 |
| Pretax return on assets | -0.0997% | 6,243 |
| Return on Equity (ROE) | -0.9857% | 6,310 |
| Retained earnings to average equity (ytd only) | -2.8814% | 6,278 |
| Net charge-offs to loans | 0.4351% | 3,246 |
| Credit loss provision to net charge-offs | 319.4562% | 1,146 |
| Earnings coverage of net charge-offs (x) | 2.8267% | 3,575 |
| Efficiency ratio | 76.0818% | 3,063 |
| Assets per employee ($millions) | 3.9842% | 3,801 |
| Cash dividends to net income (ytd only)* | -192.3077% | 7,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 2,346 |
| Loan loss allowance to noncurrent loans | 30.3702% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 5.4447% | 1,138 |
| Noncurrent loans to loans | 6.3471% | 965 |
| Net loans and leases to total assets | 62.5648% | 4,568 |
| Net loans and leases to deposits | 70.9438% | 5,145 |
| Net loans and leases to core deposits | 77.0097% | 5,080 |
| Total domestic deposits to total assets | 88.1892% | 1,890 |
| Equity capital to assets | 9.9875% | 4,040 |
| Core capital (leverage) ratio | 8.4133% | 5,554 |
| Tier 1 risk-based capital ratio | 11.3567% | 5,902 |
| Total risk-based capital ratio | 12.6124% | 5,879 |
| Memoranda: | ||
| Average total assets | $860,555,330 | 787 |
| Average earning assets | $774,435,330 | 791 |
| Average equity | $87,041,670 | 751 |
| Average total loans | $540,964,670 | 845 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0154% | 4,949 |
| Cost of funding earning assets | 1.6632% | 2,582 |
| Net interest margin | 3.3522% | 5,776 |
| Noninterest income to average assets | 0.0177% | 7,602 |
| Noninterest expense to average assets | 2.5774% | 5,444 |
| Loan and lease loss provision to assets | 1.1065% | 1,107 |
| Net operating income to assets | -0.6518% | 6,932 |
| Return on assets (ROA) | -0.6499% | 6,958 |
| Pretax return on assets | -0.6499% | 6,869 |
| Return on Equity (ROE) | -6.3854% | 6,955 |
| Retained earnings to average equity (ytd only) | -10.1616% | 6,978 |
| Net charge-offs to loans | 0.2823% | 3,281 |
| Credit loss provision to net charge-offs | 628.3069% | 694 |
| Earnings coverage of net charge-offs (x) | 2.5820% | 3,247 |
| Efficiency ratio | 83.5433% | 2,070 |
| Assets per employee ($millions) | 3.9607% | 3,966 |
| Cash dividends to net income (ytd only)* | -59.1398% | 7,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 2,494 |
| Loan loss allowance to noncurrent loans | 29.5766% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 5.4471% | 1,139 |
| Noncurrent loans to loans | 6.3732% | 989 |
| Net loans and leases to total assets | 60.8406% | 4,964 |
| Net loans and leases to deposits | 69.5057% | 5,407 |
| Net loans and leases to core deposits | 74.4635% | 5,448 |
| Total domestic deposits to total assets | 87.5333% | 2,343 |
| Equity capital to assets | 10.0808% | 3,767 |
| Core capital (leverage) ratio | 8.2729% | 5,794 |
| Tier 1 risk-based capital ratio | 11.4202% | 5,742 |
| Total risk-based capital ratio | 12.6750% | 5,718 |
| Memoranda: | ||
| Average total assets | $858,542,500 | 802 |
| Average earning assets | $772,026,500 | 811 |
| Average equity | $87,387,500 | 757 |
| Average total loans | $535,669,500 | 878 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0906% | 1,547 |
| Cost of funding earning assets | 2.1553% | 2,212 |
| Net interest margin | 3.9353% | 3,143 |
| Noninterest income to average assets | 0.4242% | 5,010 |
| Noninterest expense to average assets | 2.7277% | 5,261 |
| Loan and lease loss provision to assets | 0.6991% | 3,024 |
| Net operating income to assets | 0.3641% | 4,276 |
| Return on assets (ROA) | 0.7436% | 2,838 |
| Pretax return on assets | 1.0366% | 2,468 |
| Return on Equity (ROE) | 7.3968% | 2,621 |
| Retained earnings to average equity (ytd only) | 6.0529% | 1,330 |
| Net charge-offs to loans | 0.5808% | 3,481 |
| Credit loss provision to net charge-offs | 183.1165% | 2,244 |
| Earnings coverage of net charge-offs (x) | 3.1657% | 3,477 |
| Efficiency ratio | 66.6082% | 5,269 |
| Assets per employee ($millions) | 3.8806% | 4,073 |
| Cash dividends to net income (ytd only)* | 18.1685% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,757 |
| Loan loss allowance to noncurrent loans | 71.1231% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.8755% | 2,438 |
| Noncurrent loans to loans | 2.1020% | 3,513 |
| Net loans and leases to total assets | 61.8386% | 5,025 |
| Net loans and leases to deposits | 70.6148% | 5,523 |
| Net loans and leases to core deposits | 102.1598% | 3,787 |
| Total domestic deposits to total assets | 87.5717% | 2,188 |
| Equity capital to assets | 10.2766% | 3,430 |
| Core capital (leverage) ratio | 8.6094% | 5,081 |
| Tier 1 risk-based capital ratio | 11.5287% | 5,372 |
| Total risk-based capital ratio | 12.7792% | 5,326 |
| Memoranda: | ||
| Average total assets | $825,298,000 | 826 |
| Average earning assets | $736,563,000 | 843 |
| Average equity | $82,968,600 | 781 |
| Average total loans | $542,499,800 | 885 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2932% | 1,151 |
| Cost of funding earning assets | 2.2618% | 2,141 |
| Net interest margin | 4.0314% | 2,674 |
| Noninterest income to average assets | 0.4338% | 5,007 |
| Noninterest expense to average assets | 2.6874% | 5,380 |
| Loan and lease loss provision to assets | 0.5873% | 3,035 |
| Net operating income to assets | 0.5537% | 3,776 |
| Return on assets (ROA) | 0.5851% | 3,722 |
| Pretax return on assets | 0.7957% | 3,555 |
| Return on Equity (ROE) | 5.8538% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.0337% | 3,025 |
| Net charge-offs to loans | 0.6918% | 2,621 |
| Credit loss provision to net charge-offs | 127.6596% | 3,933 |
| Earnings coverage of net charge-offs (x) | 2.9138% | 3,772 |
| Efficiency ratio | 65.2517% | 5,508 |
| Assets per employee ($millions) | 3.9057% | 3,924 |
| Cash dividends to net income (ytd only)* | 31.0932% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 5,560 |
| Loan loss allowance to noncurrent loans | 36.9379% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 3.4061% | 1,961 |
| Noncurrent loans to loans | 3.0486% | 2,484 |
| Net loans and leases to total assets | 64.9317% | 4,666 |
| Net loans and leases to deposits | 83.3969% | 3,757 |
| Net loans and leases to core deposits | 112.2882% | 2,992 |
| Total domestic deposits to total assets | 77.8586% | 6,124 |
| Equity capital to assets | 10.5520% | 3,457 |
| Core capital (leverage) ratio | 8.4240% | 5,630 |
| Tier 1 risk-based capital ratio | 11.0915% | 5,860 |
| Total risk-based capital ratio | 12.0829% | 6,088 |
| Memoranda: | ||
| Average total assets | $817,218,000 | 845 |
| Average earning assets | $728,603,750 | 867 |
| Average equity | $81,677,250 | 799 |
| Average total loans | $543,527,750 | 897 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2802% | 1,258 |
| Cost of funding earning assets | 2.3590% | 2,127 |
| Net interest margin | 3.9213% | 3,015 |
| Noninterest income to average assets | 0.4172% | 5,145 |
| Noninterest expense to average assets | 2.7014% | 5,382 |
| Loan and lease loss provision to assets | 0.4446% | 3,317 |
| Net operating income to assets | 0.5760% | 3,786 |
| Return on assets (ROA) | 0.5824% | 3,866 |
| Pretax return on assets | 0.7837% | 3,726 |
| Return on Equity (ROE) | 5.9420% | 3,677 |
| Retained earnings to average equity (ytd only) | 3.4926% | 3,367 |
| Net charge-offs to loans | 0.4866% | 2,880 |
| Credit loss provision to net charge-offs | 136.7781% | 3,419 |
| Earnings coverage of net charge-offs (x) | 3.7523% | 3,321 |
| Efficiency ratio | 67.5465% | 5,245 |
| Assets per employee ($millions) | 3.7904% | 4,122 |
| Cash dividends to net income (ytd only)* | 41.2214% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,753 |
| Loan loss allowance to noncurrent loans | 34.9631% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 3.1962% | 1,963 |
| Noncurrent loans to loans | 3.0765% | 2,333 |
| Net loans and leases to total assets | 65.8230% | 4,596 |
| Net loans and leases to deposits | 79.5103% | 4,619 |
| Net loans and leases to core deposits | 110.0306% | 3,368 |
| Total domestic deposits to total assets | 82.7855% | 4,345 |
| Equity capital to assets | 10.3007% | 3,618 |
| Core capital (leverage) ratio | 8.5290% | 5,391 |
| Tier 1 risk-based capital ratio | 10.9661% | 5,906 |
| Total risk-based capital ratio | 11.9155% | 6,153 |
| Memoranda: | ||
| Average total assets | $809,714,330 | 868 |
| Average earning assets | $723,542,000 | 883 |
| Average equity | $79,367,000 | 835 |
| Average total loans | $540,883,670 | 921 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3108% | 1,267 |
| Cost of funding earning assets | 2.3824% | 2,366 |
| Net interest margin | 3.9284% | 2,937 |
| Noninterest income to average assets | 0.4537% | 4,739 |
| Noninterest expense to average assets | 2.5959% | 5,468 |
| Loan and lease loss provision to assets | 0.4991% | 2,471 |
| Net operating income to assets | 0.6608% | 3,756 |
| Return on assets (ROA) | 0.6608% | 3,930 |
| Pretax return on assets | 0.8730% | 3,818 |
| Return on Equity (ROE) | 6.9235% | 3,624 |
| Retained earnings to average equity (ytd only) | 3.2996% | 4,044 |
| Net charge-offs to loans | 0.4221% | 2,414 |
| Credit loss provision to net charge-offs | 176.6784% | 2,446 |
| Earnings coverage of net charge-offs (x) | 4.8569% | 2,799 |
| Efficiency ratio | 64.3396% | 5,621 |
| Assets per employee ($millions) | 3.7209% | 4,294 |
| Cash dividends to net income (ytd only)* | 52.3414% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 5,460 |
| Loan loss allowance to noncurrent loans | 27.5086% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 3.5378% | 1,514 |
| Noncurrent loans to loans | 4.0040% | 1,503 |
| Net loans and leases to total assets | 65.9693% | 4,590 |
| Net loans and leases to deposits | 81.5288% | 4,365 |
| Net loans and leases to core deposits | 112.2855% | 3,185 |
| Total domestic deposits to total assets | 80.9153% | 5,005 |
| Equity capital to assets | 10.3537% | 3,607 |
| Core capital (leverage) ratio | 8.4851% | 5,572 |
| Tier 1 risk-based capital ratio | 11.0664% | 5,841 |
| Total risk-based capital ratio | 12.0317% | 6,016 |
| Memoranda: | ||
| Average total assets | $801,419,500 | 879 |
| Average earning assets | $716,930,000 | 895 |
| Average equity | $76,493,000 | 868 |
| Average total loans | $536,419,500 | 930 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9408% | 1,281 |
| Cost of funding earning assets | 2.8263% | 2,598 |
| Net interest margin | 4.1145% | 2,648 |
| Noninterest income to average assets | 0.5357% | 4,354 |
| Noninterest expense to average assets | 2.8495% | 4,605 |
| Loan and lease loss provision to assets | 0.2831% | 4,123 |
| Net operating income to assets | 0.7837% | 3,507 |
| Return on assets (ROA) | 0.8144% | 3,210 |
| Pretax return on assets | 1.1148% | 2,975 |
| Return on Equity (ROE) | 9.1589% | 2,588 |
| Retained earnings to average equity (ytd only) | 7.0187% | 1,147 |
| Net charge-offs to loans | 0.4412% | 2,621 |
| Credit loss provision to net charge-offs | 98.1331% | 5,445 |
| Earnings coverage of net charge-offs (x) | 4.6999% | 3,896 |
| Efficiency ratio | 66.1785% | 5,093 |
| Assets per employee ($millions) | 3.6324% | 4,334 |
| Cash dividends to net income (ytd only)* | 23.3678% | 4,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 5,921 |
| Loan loss allowance to noncurrent loans | 23.3057% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 3.6713% | 1,190 |
| Noncurrent loans to loans | 4.3409% | 1,107 |
| Net loans and leases to total assets | 66.4852% | 4,757 |
| Net loans and leases to deposits | 82.0493% | 4,721 |
| Net loans and leases to core deposits | 112.5035% | 3,510 |
| Total domestic deposits to total assets | 81.0308% | 4,623 |
| Equity capital to assets | 8.7310% | 5,758 |
| Core capital (leverage) ratio | 7.1280% | 7,590 |
| Tier 1 risk-based capital ratio | 9.2419% | 7,578 |
| Total risk-based capital ratio | 10.1233% | 7,895 |
| Memoranda: | ||
| Average total assets | $724,094,000 | 920 |
| Average earning assets | $645,820,600 | 937 |
| Average equity | $64,385,400 | 1,036 |
| Average total loans | $473,431,800 | 1,021 |