Home > Columbus Community Bank > Performance and Condition Ratios
Columbus Community Bank, Performance and Condition Ratios
| 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 | 4.7969% | 942 |
| Cost of funding earning assets | 0.5146% | 2,084 |
| Net interest margin | 4.2822% | 995 |
| Noninterest income to average assets | 0.2655% | 5,037 |
| Noninterest expense to average assets | 2.7083% | 3,533 |
| Loan and lease loss provision to assets | 0.0616% | 2,949 |
| Net operating income to assets | 0.9240% | 2,837 |
| Return on assets (ROA) | 0.9261% | 2,913 |
| Pretax return on assets | 1.3786% | 2,104 |
| Return on Equity (ROE) | 7.5783% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.5783% | 1,420 |
| Net charge-offs to loans | 0.0517% | 2,868 |
| Credit loss provision to net charge-offs | 148.7179% | 1,696 |
| Earnings coverage of net charge-offs (x) | 34.6913% | 1,367 |
| Efficiency ratio | 65.3344% | 4,005 |
| Assets per employee ($millions) | 5.5243% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9447% | 995 |
| Loan loss allowance to noncurrent loans | 155.6068% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 2,392 |
| Noncurrent loans to loans | 1.2498% | 2,036 |
| Net loans and leases to total assets | 77.0485% | 1,246 |
| Net loans and leases to deposits | 97.2192% | 888 |
| Net loans and leases to core deposits | 113.9463% | 674 |
| Total domestic deposits to total assets | 79.2524% | 4,919 |
| Equity capital to assets | 11.9381% | 2,149 |
| Core capital (leverage) ratio | 12.1771% | 1,580 |
| Tier 1 risk-based capital ratio | 14.3832% | 3,637 |
| Total risk-based capital ratio | 15.6404% | 3,550 |
| Memoranda: | ||
| Average total assets | $125,535,500 | 4,011 |
| Average earning assets | $113,738,000 | 4,050 |
| Average equity | $15,341,750 | 3,815 |
| Average total loans | $100,545,250 | 3,413 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8796% | 767 |
| Cost of funding earning assets | 0.5090% | 2,171 |
| Net interest margin | 4.3706% | 807 |
| Noninterest income to average assets | 0.2565% | 5,118 |
| Noninterest expense to average assets | 2.7065% | 3,572 |
| Loan and lease loss provision to assets | 0.0812% | 2,485 |
| Net operating income to assets | 0.9676% | 2,548 |
| Return on assets (ROA) | 0.9709% | 2,642 |
| Pretax return on assets | 1.4466% | 1,814 |
| Return on Equity (ROE) | 7.8790% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.8790% | 1,314 |
| Net charge-offs to loans | -0.0161% | 5,089 |
| Credit loss provision to net charge-offs | -625.0000% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9923% | 4,360 |
| Assets per employee ($millions) | 4.8784% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 984 |
| Loan loss allowance to noncurrent loans | 149.9637% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0856% | 2,342 |
| Noncurrent loans to loans | 1.3350% | 2,012 |
| Net loans and leases to total assets | 79.6930% | 841 |
| Net loans and leases to deposits | 99.9506% | 661 |
| Net loans and leases to core deposits | 117.1465% | 553 |
| Total domestic deposits to total assets | 79.7324% | 4,919 |
| Equity capital to assets | 12.1659% | 1,907 |
| Core capital (leverage) ratio | 12.3829% | 1,442 |
| Tier 1 risk-based capital ratio | 15.0101% | 3,354 |
| Total risk-based capital ratio | 16.2689% | 3,280 |
| Memoranda: | ||
| Average total assets | $123,186,000 | 4,088 |
| Average earning assets | $111,975,670 | 4,118 |
| Average equity | $15,179,670 | 3,859 |
| Average total loans | $99,333,670 | 3,450 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 733 |
| Cost of funding earning assets | 0.5145% | 2,158 |
| Net interest margin | 4.3659% | 782 |
| Noninterest income to average assets | 0.2538% | 5,144 |
| Noninterest expense to average assets | 2.6401% | 3,785 |
| Loan and lease loss provision to assets | 0.0824% | 2,325 |
| Net operating income to assets | 1.0085% | 2,227 |
| Return on assets (ROA) | 1.0152% | 2,328 |
| Pretax return on assets | 1.5129% | 1,524 |
| Return on Equity (ROE) | 8.1839% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.1839% | 1,498 |
| Net charge-offs to loans | 0.0041% | 3,182 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 481.0000% | 114 |
| Efficiency ratio | 62.4805% | 4,712 |
| Assets per employee ($millions) | 4.6982% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 1,023 |
| Loan loss allowance to noncurrent loans | 147.3875% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1281% | 2,377 |
| Noncurrent loans to loans | 1.3785% | 2,083 |
| Net loans and leases to total assets | 80.1709% | 669 |
| Net loans and leases to deposits | 101.6324% | 474 |
| Net loans and leases to core deposits | 123.1617% | 348 |
| Total domestic deposits to total assets | 78.8832% | 5,285 |
| Equity capital to assets | 12.4957% | 1,696 |
| Core capital (leverage) ratio | 12.6128% | 1,314 |
| Tier 1 risk-based capital ratio | 15.2033% | 3,318 |
| Total risk-based capital ratio | 16.4627% | 3,237 |
| Memoranda: | ||
| Average total assets | $121,360,000 | 4,160 |
| Average earning assets | $110,402,000 | 4,172 |
| Average equity | $15,054,000 | 3,905 |
| Average total loans | $97,427,500 | 3,496 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 1,076 |
| Cost of funding earning assets | 0.5614% | 2,130 |
| Net interest margin | 4.2584% | 1,146 |
| Noninterest income to average assets | 0.2387% | 5,422 |
| Noninterest expense to average assets | 2.5802% | 4,292 |
| Loan and lease loss provision to assets | 0.0820% | 2,841 |
| Net operating income to assets | 0.9583% | 2,587 |
| Return on assets (ROA) | 0.9719% | 2,601 |
| Pretax return on assets | 1.4664% | 1,669 |
| Return on Equity (ROE) | 8.4216% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.4216% | 860 |
| Net charge-offs to loans | 0.0022% | 4,927 |
| Credit loss provision to net charge-offs | 5,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 931.5000% | 45 |
| Efficiency ratio | 62.8069% | 4,783 |
| Assets per employee ($millions) | 4.6372% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 925 |
| Loan loss allowance to noncurrent loans | 181.3008% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 2,922 |
| Noncurrent loans to loans | 1.1666% | 2,496 |
| Net loans and leases to total assets | 77.0408% | 1,123 |
| Net loans and leases to deposits | 92.7755% | 1,206 |
| Net loans and leases to core deposits | 106.4024% | 994 |
| Total domestic deposits to total assets | 83.0400% | 4,064 |
| Equity capital to assets | 12.3119% | 1,766 |
| Core capital (leverage) ratio | 12.2532% | 1,474 |
| Tier 1 risk-based capital ratio | 15.9597% | 2,980 |
| Total risk-based capital ratio | 17.2205% | 2,919 |
| Memoranda: | ||
| Average total assets | $121,930,800 | 4,141 |
| Average earning assets | $110,793,200 | 4,163 |
| Average equity | $14,071,000 | 4,009 |
| Average total loans | $91,541,800 | 3,601 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 1,097 |
| Cost of funding earning assets | 0.5648% | 2,152 |
| Net interest margin | 4.2411% | 1,180 |
| Noninterest income to average assets | 0.2344% | 5,530 |
| Noninterest expense to average assets | 2.6203% | 4,126 |
| Loan and lease loss provision to assets | 0.0818% | 2,717 |
| Net operating income to assets | 0.9176% | 2,830 |
| Return on assets (ROA) | 0.9356% | 2,839 |
| Pretax return on assets | 1.4165% | 1,941 |
| Return on Equity (ROE) | 8.2432% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.2432% | 1,247 |
| Net charge-offs to loans | 0.0265% | 3,976 |
| Credit loss provision to net charge-offs | 416.6667% | 673 |
| Earnings coverage of net charge-offs (x) | 74.9425% | 739 |
| Efficiency ratio | 64.0458% | 4,533 |
| Assets per employee ($millions) | 4.5890% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 1,102 |
| Loan loss allowance to noncurrent loans | 239.7561% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 3,671 |
| Noncurrent loans to loans | 0.8716% | 3,386 |
| Net loans and leases to total assets | 74.3461% | 1,468 |
| Net loans and leases to deposits | 88.5408% | 1,604 |
| Net loans and leases to core deposits | 101.3745% | 1,260 |
| Total domestic deposits to total assets | 83.9681% | 3,782 |
| Equity capital to assets | 11.6228% | 2,379 |
| Core capital (leverage) ratio | 11.9149% | 1,749 |
| Tier 1 risk-based capital ratio | 15.0838% | 3,540 |
| Total risk-based capital ratio | 16.3433% | 3,474 |
| Memoranda: | ||
| Average total assets | $122,272,000 | 4,172 |
| Average earning assets | $111,196,000 | 4,189 |
| Average equity | $13,877,750 | 4,062 |
| Average total loans | $90,704,250 | 3,644 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 1,043 |
| Cost of funding earning assets | 0.5652% | 2,204 |
| Net interest margin | 4.2536% | 1,130 |
| Noninterest income to average assets | 0.2777% | 5,207 |
| Noninterest expense to average assets | 2.6288% | 4,141 |
| Loan and lease loss provision to assets | 0.0822% | 2,661 |
| Net operating income to assets | 0.9559% | 2,525 |
| Return on assets (ROA) | 0.9743% | 2,519 |
| Pretax return on assets | 1.4771% | 1,608 |
| Return on Equity (ROE) | 8.6548% | 2,753 |
| Retained earnings to average equity (ytd only) | 8.6548% | 1,092 |
| Net charge-offs to loans | 0.0134% | 3,972 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 155.3333% | 397 |
| Efficiency ratio | 63.1912% | 4,823 |
| Assets per employee ($millions) | 4.4544% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1052% | 1,165 |
| Loan loss allowance to noncurrent loans | 228.1542% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 3,419 |
| Noncurrent loans to loans | 0.9227% | 3,413 |
| Net loans and leases to total assets | 75.5132% | 1,230 |
| Net loans and leases to deposits | 90.1188% | 1,362 |
| Net loans and leases to core deposits | 97.9096% | 1,454 |
| Total domestic deposits to total assets | 83.7930% | 3,997 |
| Equity capital to assets | 11.7661% | 2,192 |
| Core capital (leverage) ratio | 11.7268% | 1,835 |
| Tier 1 risk-based capital ratio | 15.3675% | 3,430 |
| Total risk-based capital ratio | 16.6273% | 3,370 |
| Memoranda: | ||
| Average total assets | $121,728,330 | 4,202 |
| Average earning assets | $111,106,000 | 4,214 |
| Average equity | $13,703,330 | 4,101 |
| Average total loans | $89,578,000 | 3,684 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 1,122 |
| Cost of funding earning assets | 0.5650% | 2,292 |
| Net interest margin | 4.1962% | 1,233 |
| Noninterest income to average assets | 0.2907% | 5,049 |
| Noninterest expense to average assets | 2.6164% | 4,219 |
| Loan and lease loss provision to assets | 0.0817% | 2,527 |
| Net operating income to assets | 0.9237% | 2,533 |
| Return on assets (ROA) | 0.9603% | 2,427 |
| Pretax return on assets | 1.4568% | 1,563 |
| Return on Equity (ROE) | 8.7244% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.7244% | 1,339 |
| Net charge-offs to loans | -0.0045% | 4,799 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8247% | 4,884 |
| Assets per employee ($millions) | 4.5222% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 1,204 |
| Loan loss allowance to noncurrent loans | 215.2392% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 3,548 |
| Noncurrent loans to loans | 1.0105% | 3,398 |
| Net loans and leases to total assets | 71.2768% | 1,687 |
| Net loans and leases to deposits | 84.8037% | 1,743 |
| Net loans and leases to core deposits | 91.9910% | 1,731 |
| Total domestic deposits to total assets | 84.0491% | 4,257 |
| Equity capital to assets | 11.2277% | 2,497 |
| Core capital (leverage) ratio | 11.6803% | 1,840 |
| Tier 1 risk-based capital ratio | 15.3997% | 3,502 |
| Total risk-based capital ratio | 16.6594% | 3,447 |
| Memoranda: | ||
| Average total assets | $122,458,000 | 4,224 |
| Average earning assets | $111,147,000 | 4,243 |
| Average equity | $13,479,500 | 4,155 |
| Average total loans | $87,981,000 | 3,749 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 1,707 |
| Cost of funding earning assets | 0.5824% | 2,814 |
| Net interest margin | 4.0695% | 1,733 |
| Noninterest income to average assets | 0.2376% | 5,645 |
| Noninterest expense to average assets | 2.6942% | 4,121 |
| Loan and lease loss provision to assets | 0.1975% | 1,877 |
| Net operating income to assets | 1.7036% | 579 |
| Return on assets (ROA) | 1.7295% | 575 |
| Pretax return on assets | 1.0902% | 2,983 |
| Return on Equity (ROE) | 16.3931% | 577 |
| Retained earnings to average equity (ytd only) | 16.3931% | 141 |
| Net charge-offs to loans | 0.7124% | 906 |
| Credit loss provision to net charge-offs | 39.7976% | 4,053 |
| Earnings coverage of net charge-offs (x) | 2.5430% | 4,163 |
| Efficiency ratio | 68.1049% | 4,180 |
| Assets per employee ($millions) | 4.5487% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 1,181 |
| Loan loss allowance to noncurrent loans | 234.8093% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.9958% | 3,424 |
| Noncurrent loans to loans | 0.9345% | 3,654 |
| Net loans and leases to total assets | 69.2817% | 2,128 |
| Net loans and leases to deposits | 81.6154% | 2,229 |
| Net loans and leases to core deposits | 88.4069% | 2,199 |
| Total domestic deposits to total assets | 84.8880% | 3,805 |
| Equity capital to assets | 10.7885% | 2,833 |
| Core capital (leverage) ratio | 11.5541% | 1,921 |
| Tier 1 risk-based capital ratio | 15.4257% | 3,420 |
| Total risk-based capital ratio | 16.6864% | 3,360 |
| Memoranda: | ||
| Average total assets | $119,515,000 | 4,286 |
| Average earning assets | $109,202,400 | 4,283 |
| Average equity | $12,609,000 | 4,330 |
| Average total loans | $83,241,200 | 3,843 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 1,813 |
| Cost of funding earning assets | 0.5825% | 2,975 |
| Net interest margin | 4.0422% | 1,812 |
| Noninterest income to average assets | 0.2842% | 5,415 |
| Noninterest expense to average assets | 2.7825% | 3,722 |
| Loan and lease loss provision to assets | 0.0404% | 4,200 |
| Net operating income to assets | 1.7726% | 554 |
| Return on assets (ROA) | 1.8075% | 538 |
| Pretax return on assets | 1.1986% | 2,698 |
| Return on Equity (ROE) | 17.2329% | 516 |
| Retained earnings to average equity (ytd only) | 17.2329% | 126 |
| Net charge-offs to loans | 0.9445% | 611 |
| Credit loss provision to net charge-offs | 6.1750% | 4,269 |
| Earnings coverage of net charge-offs (x) | 1.8388% | 4,219 |
| Efficiency ratio | 69.7943% | 3,790 |
| Assets per employee ($millions) | 4.3525% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0096% | 1,697 |
| Loan loss allowance to noncurrent loans | 197.1330% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 3,475 |
| Noncurrent loans to loans | 1.0194% | 3,768 |
| Net loans and leases to total assets | 71.3259% | 1,723 |
| Net loans and leases to deposits | 85.6136% | 1,660 |
| Net loans and leases to core deposits | 90.3905% | 1,932 |
| Total domestic deposits to total assets | 83.3114% | 4,455 |
| Equity capital to assets | 10.9618% | 2,792 |
| Core capital (leverage) ratio | 11.5351% | 2,014 |
| Tier 1 risk-based capital ratio | 13.8474% | 4,535 |
| Total risk-based capital ratio | 15.1022% | 4,487 |
| Memoranda: | ||
| Average total assets | $118,689,750 | 4,344 |
| Average earning assets | $108,716,500 | 4,338 |
| Average equity | $12,448,750 | 4,407 |
| Average total loans | $82,302,000 | 3,901 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 2,163 |
| Cost of funding earning assets | 0.5801% | 3,128 |
| Net interest margin | 3.9308% | 2,109 |
| Noninterest income to average assets | 0.2335% | 5,774 |
| Noninterest expense to average assets | 2.6906% | 4,064 |
| Loan and lease loss provision to assets | 0.0605% | 3,797 |
| Net operating income to assets | 1.7148% | 607 |
| Return on assets (ROA) | 1.7669% | 590 |
| Pretax return on assets | 1.1421% | 2,921 |
| Return on Equity (ROE) | 17.0997% | 547 |
| Retained earnings to average equity (ytd only) | 17.0997% | 153 |
| Net charge-offs to loans | 0.8791% | 714 |
| Credit loss provision to net charge-offs | 10.0840% | 3,900 |
| Earnings coverage of net charge-offs (x) | 1.9188% | 3,881 |
| Efficiency ratio | 70.0481% | 3,815 |
| Assets per employee ($millions) | 4.2137% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3411% | 1,191 |
| Loan loss allowance to noncurrent loans | 139.3266% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 3,018 |
| Noncurrent loans to loans | 1.6803% | 2,797 |
| Net loans and leases to total assets | 71.3134% | 1,675 |
| Net loans and leases to deposits | 84.5049% | 1,734 |
| Net loans and leases to core deposits | 89.5707% | 1,945 |
| Total domestic deposits to total assets | 84.3897% | 4,169 |
| Equity capital to assets | 10.8991% | 2,848 |
| Core capital (leverage) ratio | 10.9312% | 2,423 |
| Tier 1 risk-based capital ratio | 13.8154% | 4,551 |
| Total risk-based capital ratio | 15.0765% | 4,510 |
| Memoranda: | ||
| Average total assets | $119,080,670 | 4,369 |
| Average earning assets | $109,292,000 | 4,355 |
| Average equity | $12,304,330 | 4,464 |
| Average total loans | $81,223,000 | 3,948 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 2,947 |
| Cost of funding earning assets | 0.5909% | 3,195 |
| Net interest margin | 3.6949% | 2,873 |
| Noninterest income to average assets | 0.2662% | 5,553 |
| Noninterest expense to average assets | 2.5596% | 4,531 |
| Loan and lease loss provision to assets | 0.1183% | 2,753 |
| Net operating income to assets | 1.6166% | 681 |
| Return on assets (ROA) | 1.7185% | 622 |
| Pretax return on assets | 1.1007% | 2,947 |
| Return on Equity (ROE) | 17.0685% | 505 |
| Retained earnings to average equity (ytd only) | 17.0685% | 226 |
| Net charge-offs to loans | 0.3089% | 1,728 |
| Credit loss provision to net charge-offs | 58.0645% | 2,482 |
| Earnings coverage of net charge-offs (x) | 5.4839% | 2,363 |
| Efficiency ratio | 69.6157% | 4,037 |
| Assets per employee ($millions) | 4.9062% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 856 |
| Loan loss allowance to noncurrent loans | 100.0447% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.9207% | 2,447 |
| Noncurrent loans to loans | 2.7593% | 1,842 |
| Net loans and leases to total assets | 61.8564% | 3,088 |
| Net loans and leases to deposits | 69.6134% | 3,556 |
| Net loans and leases to core deposits | 73.1154% | 3,691 |
| Total domestic deposits to total assets | 88.8570% | 1,761 |
| Equity capital to assets | 9.7695% | 4,468 |
| Core capital (leverage) ratio | 10.4380% | 2,860 |
| Tier 1 risk-based capital ratio | 13.1672% | 5,091 |
| Total risk-based capital ratio | 14.4316% | 5,032 |
| Memoranda: | ||
| Average total assets | $121,735,500 | 4,349 |
| Average earning assets | $112,371,000 | 4,327 |
| Average equity | $12,256,500 | 4,527 |
| Average total loans | $80,295,000 | 4,007 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 1,653 |
| Cost of funding earning assets | 0.7908% | 2,740 |
| Net interest margin | 4.1727% | 1,735 |
| Noninterest income to average assets | 0.2659% | 5,557 |
| Noninterest expense to average assets | 2.8680% | 3,773 |
| Loan and lease loss provision to assets | 0.3463% | 1,936 |
| Net operating income to assets | 0.8181% | 3,198 |
| Return on assets (ROA) | 0.9723% | 2,683 |
| Pretax return on assets | 0.9723% | 3,649 |
| Return on Equity (ROE) | 9.1595% | 2,557 |
| Retained earnings to average equity (ytd only) | 9.1595% | 779 |
| Net charge-offs to loans | 0.1925% | 3,834 |
| Credit loss provision to net charge-offs | 267.8571% | 902 |
| Earnings coverage of net charge-offs (x) | 9.0071% | 2,319 |
| Efficiency ratio | 71.1243% | 3,603 |
| Assets per employee ($millions) | 4.2930% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 782 |
| Loan loss allowance to noncurrent loans | 93.5204% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 2.3000% | 2,137 |
| Noncurrent loans to loans | 3.0499% | 1,706 |
| Net loans and leases to total assets | 66.5856% | 2,441 |
| Net loans and leases to deposits | 75.5134% | 2,879 |
| Net loans and leases to core deposits | 80.8261% | 2,901 |
| Total domestic deposits to total assets | 88.1771% | 2,112 |
| Equity capital to assets | 10.3968% | 3,645 |
| Core capital (leverage) ratio | 11.0732% | 2,193 |
| Tier 1 risk-based capital ratio | 13.1904% | 4,970 |
| Total risk-based capital ratio | 14.4563% | 4,902 |
| Memoranda: | ||
| Average total assets | $108,300,200 | 4,630 |
| Average earning assets | $97,753,400 | 4,646 |
| Average equity | $11,496,200 | 4,671 |
| Average total loans | $72,736,800 | 4,245 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 1,399 |
| Cost of funding earning assets | 0.8483% | 2,554 |
| Net interest margin | 4.2651% | 1,565 |
| Noninterest income to average assets | 0.2531% | 5,757 |
| Noninterest expense to average assets | 2.9875% | 3,274 |
| Loan and lease loss provision to assets | 0.3697% | 1,757 |
| Net operating income to assets | 0.7206% | 3,825 |
| Return on assets (ROA) | 0.8697% | 3,375 |
| Pretax return on assets | 0.8697% | 4,224 |
| Return on Equity (ROE) | 8.1471% | 3,213 |
| Retained earnings to average equity (ytd only) | 8.1471% | 1,558 |
| Net charge-offs to loans | 0.3452% | 2,722 |
| Credit loss provision to net charge-offs | 160.3261% | 1,741 |
| Earnings coverage of net charge-offs (x) | 4.7282% | 3,219 |
| Efficiency ratio | 73.2637% | 3,109 |
| Assets per employee ($millions) | 4.1398% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7465% | 939 |
| Loan loss allowance to noncurrent loans | 109.2300% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 2.1296% | 2,518 |
| Noncurrent loans to loans | 2.5144% | 2,277 |
| Net loans and leases to total assets | 73.2876% | 1,349 |
| Net loans and leases to deposits | 84.3132% | 1,829 |
| Net loans and leases to core deposits | 91.0115% | 1,871 |
| Total domestic deposits to total assets | 86.9230% | 2,720 |
| Equity capital to assets | 11.3793% | 2,872 |
| Core capital (leverage) ratio | 10.8396% | 2,556 |
| Tier 1 risk-based capital ratio | 13.3180% | 5,006 |
| Total risk-based capital ratio | 14.5837% | 4,963 |
| Memoranda: | ||
| Average total assets | $106,397,500 | 4,723 |
| Average earning assets | $95,407,250 | 4,754 |
| Average equity | $11,357,500 | 4,740 |
| Average total loans | $71,059,500 | 4,360 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 1,652 |
| Cost of funding earning assets | 0.8730% | 2,634 |
| Net interest margin | 4.1807% | 1,798 |
| Noninterest income to average assets | 0.1844% | 6,247 |
| Noninterest expense to average assets | 2.9376% | 3,484 |
| Loan and lease loss provision to assets | 0.2142% | 2,932 |
| Net operating income to assets | 0.7526% | 3,593 |
| Return on assets (ROA) | 0.9053% | 3,159 |
| Pretax return on assets | 0.9053% | 4,059 |
| Return on Equity (ROE) | 8.6649% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.6649% | 1,391 |
| Net charge-offs to loans | 0.5440% | 1,962 |
| Credit loss provision to net charge-offs | 61.4973% | 3,760 |
| Earnings coverage of net charge-offs (x) | 2.7754% | 3,636 |
| Efficiency ratio | 75.2385% | 2,857 |
| Assets per employee ($millions) | 4.3663% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7287% | 1,004 |
| Loan loss allowance to noncurrent loans | 116.1233% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 2.2082% | 2,533 |
| Noncurrent loans to loans | 2.3498% | 2,549 |
| Net loans and leases to total assets | 66.6409% | 2,542 |
| Net loans and leases to deposits | 76.3377% | 2,939 |
| Net loans and leases to core deposits | 82.4494% | 2,908 |
| Total domestic deposits to total assets | 87.2975% | 2,597 |
| Equity capital to assets | 10.9858% | 3,135 |
| Core capital (leverage) ratio | 10.7730% | 2,514 |
| Tier 1 risk-based capital ratio | 13.8206% | 4,582 |
| Total risk-based capital ratio | 15.0855% | 4,545 |
| Memoranda: | ||
| Average total assets | $107,365,000 | 4,733 |
| Average earning assets | $95,534,000 | 4,782 |
| Average equity | $11,217,670 | 4,769 |
| Average total loans | $68,749,000 | 4,460 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 1,940 |
| Cost of funding earning assets | 0.9050% | 2,649 |
| Net interest margin | 4.0806% | 2,168 |
| Noninterest income to average assets | 0.1657% | 6,394 |
| Noninterest expense to average assets | 2.8605% | 3,783 |
| Loan and lease loss provision to assets | 0.2577% | 2,394 |
| Net operating income to assets | 0.6995% | 3,881 |
| Return on assets (ROA) | 0.7547% | 3,840 |
| Pretax return on assets | 0.7547% | 4,587 |
| Return on Equity (ROE) | 7.4071% | 3,557 |
| Retained earnings to average equity (ytd only) | 7.4071% | 2,225 |
| Net charge-offs to loans | 0.6961% | 1,433 |
| Credit loss provision to net charge-offs | 59.8291% | 3,118 |
| Earnings coverage of net charge-offs (x) | 2.2222% | 3,276 |
| Efficiency ratio | 74.9277% | 2,953 |
| Assets per employee ($millions) | 4.5570% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8459% | 964 |
| Loan loss allowance to noncurrent loans | 169.1390% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.6641% | 3,360 |
| Noncurrent loans to loans | 1.6826% | 3,583 |
| Net loans and leases to total assets | 61.9289% | 3,269 |
| Net loans and leases to deposits | 70.1941% | 3,711 |
| Net loans and leases to core deposits | 75.2851% | 3,712 |
| Total domestic deposits to total assets | 88.2252% | 2,176 |
| Equity capital to assets | 10.1866% | 3,867 |
| Core capital (leverage) ratio | 10.2233% | 3,079 |
| Tier 1 risk-based capital ratio | 13.5880% | 4,761 |
| Total risk-based capital ratio | 14.8524% | 4,738 |
| Memoranda: | ||
| Average total assets | $108,652,500 | 4,736 |
| Average earning assets | $97,241,500 | 4,770 |
| Average equity | $11,070,500 | 4,809 |
| Average total loans | $67,227,500 | 4,541 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 2,253 |
| Cost of funding earning assets | 1.1017% | 2,664 |
| Net interest margin | 4.0477% | 2,645 |
| Noninterest income to average assets | 0.1323% | 6,494 |
| Noninterest expense to average assets | 2.8159% | 4,286 |
| Loan and lease loss provision to assets | 0.3635% | 2,826 |
| Net operating income to assets | 0.6035% | 3,984 |
| Return on assets (ROA) | 0.6617% | 3,868 |
| Pretax return on assets | 0.6617% | 4,465 |
| Return on Equity (ROE) | 6.3972% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.3972% | 1,804 |
| Net charge-offs to loans | 0.7489% | 2,281 |
| Credit loss provision to net charge-offs | 75.7202% | 4,648 |
| Earnings coverage of net charge-offs (x) | 2.0144% | 4,266 |
| Efficiency ratio | 74.4386% | 3,155 |
| Assets per employee ($millions) | 4.3174% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1372% | 719 |
| Loan loss allowance to noncurrent loans | 193.7977% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.7686% | 3,303 |
| Noncurrent loans to loans | 1.6188% | 3,731 |
| Net loans and leases to total assets | 58.0983% | 4,352 |
| Net loans and leases to deposits | 65.8424% | 4,759 |
| Net loans and leases to core deposits | 71.2764% | 4,624 |
| Total domestic deposits to total assets | 88.2384% | 2,006 |
| Equity capital to assets | 10.1912% | 3,919 |
| Core capital (leverage) ratio | 10.0919% | 3,234 |
| Tier 1 risk-based capital ratio | 14.1261% | 4,237 |
| Total risk-based capital ratio | 15.3932% | 4,177 |
| Memoranda: | ||
| Average total assets | $101,247,000 | 4,860 |
| Average earning assets | $91,310,800 | 4,878 |
| Average equity | $10,473,400 | 4,909 |
| Average total loans | $64,892,400 | 4,681 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 2,014 |
| Cost of funding earning assets | 1.1406% | 2,696 |
| Net interest margin | 4.1128% | 2,423 |
| Noninterest income to average assets | 0.1834% | 6,283 |
| Noninterest expense to average assets | 2.8172% | 4,275 |
| Loan and lease loss provision to assets | 0.4526% | 2,200 |
| Net operating income to assets | 0.6266% | 3,985 |
| Return on assets (ROA) | 0.7057% | 3,753 |
| Pretax return on assets | 0.7057% | 4,452 |
| Return on Equity (ROE) | 6.7943% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.7943% | 2,084 |
| Net charge-offs to loans | 0.7146% | 2,124 |
| Credit loss provision to net charge-offs | 97.1264% | 3,527 |
| Earnings coverage of net charge-offs (x) | 2.3161% | 3,967 |
| Efficiency ratio | 72.3024% | 3,492 |
| Assets per employee ($millions) | 4.3515% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3168% | 652 |
| Loan loss allowance to noncurrent loans | 108.3038% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 2.1937% | 2,903 |
| Noncurrent loans to loans | 3.0625% | 2,264 |
| Net loans and leases to total assets | 59.7026% | 4,188 |
| Net loans and leases to deposits | 67.8576% | 4,635 |
| Net loans and leases to core deposits | 74.3566% | 4,398 |
| Total domestic deposits to total assets | 87.9821% | 2,042 |
| Equity capital to assets | 10.3844% | 3,850 |
| Core capital (leverage) ratio | 10.5130% | 2,851 |
| Tier 1 risk-based capital ratio | 14.0853% | 4,293 |
| Total risk-based capital ratio | 15.3555% | 4,251 |
| Memoranda: | ||
| Average total assets | $99,574,750 | 4,938 |
| Average earning assets | $89,895,500 | 4,957 |
| Average equity | $10,341,750 | 4,948 |
| Average total loans | $64,930,500 | 4,715 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2858% | 1,931 |
| Cost of funding earning assets | 1.1928% | 2,625 |
| Net interest margin | 4.0930% | 2,437 |
| Noninterest income to average assets | 0.2593% | 5,795 |
| Noninterest expense to average assets | 2.7972% | 4,427 |
| Loan and lease loss provision to assets | 0.2818% | 3,126 |
| Net operating income to assets | 0.8657% | 2,796 |
| Return on assets (ROA) | 0.8657% | 2,884 |
| Pretax return on assets | 0.8657% | 3,779 |
| Return on Equity (ROE) | 8.3350% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.3350% | 1,329 |
| Net charge-offs to loans | -0.0246% | 6,873 |
| Credit loss provision to net charge-offs | -1,725.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9110% | 3,947 |
| Assets per employee ($millions) | 4.1632% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4208% | 638 |
| Loan loss allowance to noncurrent loans | 92.5030% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 3.1049% | 2,165 |
| Noncurrent loans to loans | 3.6980% | 1,899 |
| Net loans and leases to total assets | 67.6689% | 2,680 |
| Net loans and leases to deposits | 77.6118% | 3,198 |
| Net loans and leases to core deposits | 85.9909% | 2,909 |
| Total domestic deposits to total assets | 87.1889% | 2,629 |
| Equity capital to assets | 10.8999% | 3,064 |
| Core capital (leverage) ratio | 10.3023% | 2,934 |
| Tier 1 risk-based capital ratio | 13.7808% | 4,320 |
| Total risk-based capital ratio | 15.0532% | 4,278 |
| Memoranda: | ||
| Average total assets | $97,954,330 | 5,026 |
| Average earning assets | $88,199,000 | 5,050 |
| Average equity | $10,174,000 | 5,000 |
| Average total loans | $65,077,330 | 4,755 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 2,771 |
| Cost of funding earning assets | 1.1939% | 2,856 |
| Net interest margin | 3.8770% | 3,263 |
| Noninterest income to average assets | 0.3513% | 5,089 |
| Noninterest expense to average assets | 2.6894% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1630% | 1,616 |
| Return on assets (ROA) | 1.1630% | 1,672 |
| Pretax return on assets | 1.1630% | 2,499 |
| Return on Equity (ROE) | 11.4712% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.4712% | 817 |
| Net charge-offs to loans | -0.0312% | 6,722 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8113% | 4,315 |
| Assets per employee ($millions) | 4.7620% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3156% | 702 |
| Loan loss allowance to noncurrent loans | 111.4907% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 2.3338% | 2,913 |
| Noncurrent loans to loans | 2.9739% | 2,526 |
| Net loans and leases to total assets | 59.9563% | 4,274 |
| Net loans and leases to deposits | 69.5331% | 4,423 |
| Net loans and leases to core deposits | 79.4415% | 3,831 |
| Total domestic deposits to total assets | 86.2270% | 3,382 |
| Equity capital to assets | 9.6628% | 4,231 |
| Core capital (leverage) ratio | 10.7322% | 2,413 |
| Tier 1 risk-based capital ratio | 13.4542% | 4,455 |
| Total risk-based capital ratio | 14.7039% | 4,436 |
| Memoranda: | ||
| Average total assets | $99,055,000 | 5,026 |
| Average earning assets | $89,451,500 | 5,042 |
| Average equity | $10,042,500 | 5,043 |
| Average total loans | $64,071,000 | 4,836 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6817% | 1,637 |
| Cost of funding earning assets | 1.5804% | 2,183 |
| Net interest margin | 4.1013% | 2,554 |
| Noninterest income to average assets | 0.1662% | 6,539 |
| Noninterest expense to average assets | 3.6771% | 1,758 |
| Loan and lease loss provision to assets | 1.2044% | 1,297 |
| Net operating income to assets | -1.0686% | 6,723 |
| Return on assets (ROA) | -0.6147% | 6,490 |
| Pretax return on assets | -0.6147% | 6,408 |
| Return on Equity (ROE) | -6.3811% | 6,519 |
| Retained earnings to average equity (ytd only) | -6.3811% | 6,418 |
| Net charge-offs to loans | 0.9500% | 2,285 |
| Credit loss provision to net charge-offs | 173.2813% | 1,942 |
| Earnings coverage of net charge-offs (x) | 0.1953% | 5,913 |
| Efficiency ratio | 96.4398% | 948 |
| Assets per employee ($millions) | 4.4451% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4016% | 632 |
| Loan loss allowance to noncurrent loans | 126.9344% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 3.0799% | 2,290 |
| Noncurrent loans to loans | 2.6798% | 2,840 |
| Net loans and leases to total assets | 65.3765% | 3,585 |
| Net loans and leases to deposits | 77.1927% | 3,640 |
| Net loans and leases to core deposits | 85.6916% | 3,364 |
| Total domestic deposits to total assets | 84.6926% | 4,001 |
| Equity capital to assets | 10.6720% | 2,992 |
| Core capital (leverage) ratio | 10.6107% | 2,453 |
| Tier 1 risk-based capital ratio | 13.4496% | 4,250 |
| Total risk-based capital ratio | 14.7001% | 4,222 |
| Memoranda: | ||
| Average total assets | $92,082,400 | 5,220 |
| Average earning assets | $81,876,600 | 5,281 |
| Average equity | $8,870,000 | 5,455 |
| Average total loans | $67,368,400 | 4,776 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7895% | 1,428 |
| Cost of funding earning assets | 1.6333% | 2,191 |
| Net interest margin | 4.1562% | 2,382 |
| Noninterest income to average assets | 0.1758% | 6,623 |
| Noninterest expense to average assets | 3.5684% | 1,855 |
| Loan and lease loss provision to assets | 1.3788% | 982 |
| Net operating income to assets | -1.0853% | 6,942 |
| Return on assets (ROA) | -0.4780% | 6,620 |
| Pretax return on assets | -0.4780% | 6,533 |
| Return on Equity (ROE) | -5.1025% | 6,656 |
| Retained earnings to average equity (ytd only) | -5.1025% | 6,563 |
| Net charge-offs to loans | 1.0153% | 1,980 |
| Credit loss provision to net charge-offs | 182.1497% | 2,001 |
| Earnings coverage of net charge-offs (x) | 0.3877% | 5,638 |
| Efficiency ratio | 92.4003% | 1,091 |
| Assets per employee ($millions) | 4.6012% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2015% | 694 |
| Loan loss allowance to noncurrent loans | 91.2949% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 4.2316% | 1,619 |
| Noncurrent loans to loans | 3.5068% | 2,253 |
| Net loans and leases to total assets | 69.2609% | 2,915 |
| Net loans and leases to deposits | 82.3494% | 3,039 |
| Net loans and leases to core deposits | 91.2927% | 2,908 |
| Total domestic deposits to total assets | 84.1061% | 4,055 |
| Equity capital to assets | 11.1809% | 2,790 |
| Core capital (leverage) ratio | 11.1038% | 2,188 |
| Tier 1 risk-based capital ratio | 13.3924% | 4,280 |
| Total risk-based capital ratio | 14.5355% | 4,330 |
| Memoranda: | ||
| Average total assets | $91,766,250 | 5,295 |
| Average earning assets | $81,387,250 | 5,360 |
| Average equity | $8,597,000 | 5,604 |
| Average total loans | $68,416,500 | 4,809 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0028% | 944 |
| Cost of funding earning assets | 1.6921% | 2,155 |
| Net interest margin | 4.3106% | 1,733 |
| Noninterest income to average assets | 0.1767% | 6,640 |
| Noninterest expense to average assets | 3.5776% | 1,840 |
| Loan and lease loss provision to assets | 1.5140% | 873 |
| Net operating income to assets | -1.1082% | 6,990 |
| Return on assets (ROA) | -0.3141% | 6,534 |
| Pretax return on assets | -0.3141% | 6,447 |
| Return on Equity (ROE) | -3.5852% | 6,578 |
| Retained earnings to average equity (ytd only) | -3.5852% | 6,383 |
| Net charge-offs to loans | 0.7853% | 2,281 |
| Credit loss provision to net charge-offs | 255.1471% | 1,497 |
| Earnings coverage of net charge-offs (x) | 0.6838% | 5,063 |
| Efficiency ratio | 89.8138% | 1,348 |
| Assets per employee ($millions) | 4.7475% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1269% | 748 |
| Loan loss allowance to noncurrent loans | 71.1578% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 5.2238% | 1,209 |
| Noncurrent loans to loans | 4.3943% | 1,670 |
| Net loans and leases to total assets | 72.1946% | 2,343 |
| Net loans and leases to deposits | 83.5967% | 2,950 |
| Net loans and leases to core deposits | 107.0594% | 1,367 |
| Total domestic deposits to total assets | 86.3606% | 2,894 |
| Equity capital to assets | 8.8002% | 5,754 |
| Core capital (leverage) ratio | 8.3666% | 5,640 |
| Tier 1 risk-based capital ratio | 10.9060% | 6,336 |
| Total risk-based capital ratio | 12.1771% | 6,299 |
| Memoranda: | ||
| Average total assets | $91,680,670 | 5,332 |
| Average earning assets | $80,962,330 | 5,403 |
| Average equity | $8,033,000 | 5,790 |
| Average total loans | $69,274,000 | 4,811 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1311% | 736 |
| Cost of funding earning assets | 1.7363% | 2,204 |
| Net interest margin | 4.3947% | 1,406 |
| Noninterest income to average assets | 0.1775% | 6,691 |
| Noninterest expense to average assets | 3.6139% | 1,703 |
| Loan and lease loss provision to assets | 1.9476% | 575 |
| Net operating income to assets | -1.5062% | 7,335 |
| Return on assets (ROA) | 0.0649% | 6,226 |
| Pretax return on assets | 0.0649% | 6,222 |
| Return on Equity (ROE) | 0.7425% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.7425% | 5,529 |
| Net charge-offs to loans | 0.0569% | 4,840 |
| Credit loss provision to net charge-offs | 4,500.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 1,765 |
| Efficiency ratio | 89.1142% | 1,495 |
| Assets per employee ($millions) | 4.8608% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9898% | 828 |
| Loan loss allowance to noncurrent loans | 144.3159% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 4.0539% | 1,684 |
| Noncurrent loans to loans | 2.0717% | 3,691 |
| Net loans and leases to total assets | 74.4814% | 1,864 |
| Net loans and leases to deposits | 85.8766% | 2,607 |
| Net loans and leases to core deposits | 109.0800% | 1,347 |
| Total domestic deposits to total assets | 86.7307% | 2,775 |
| Equity capital to assets | 8.5863% | 5,890 |
| Core capital (leverage) ratio | 8.4026% | 5,554 |
| Tier 1 risk-based capital ratio | 10.3573% | 6,751 |
| Total risk-based capital ratio | 11.6199% | 6,737 |
| Memoranda: | ||
| Average total assets | $92,420,000 | 5,371 |
| Average earning assets | $81,552,000 | 5,452 |
| Average equity | $8,080,500 | 5,818 |
| Average total loans | $70,299,500 | 4,850 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 3,207 |
| Cost of funding earning assets | 2.2950% | 1,679 |
| Net interest margin | 3.3853% | 5,425 |
| Noninterest income to average assets | 0.1451% | 7,013 |
| Noninterest expense to average assets | 2.7545% | 5,151 |
| Loan and lease loss provision to assets | 2.2757% | 901 |
| Net operating income to assets | -1.8815% | 7,042 |
| Return on assets (ROA) | -1.8815% | 7,041 |
| Pretax return on assets | -1.8815% | 6,894 |
| Return on Equity (ROE) | -16.6481% | 7,015 |
| Retained earnings to average equity (ytd only) | -16.6481% | 6,969 |
| Net charge-offs to loans | 1.6865% | 1,494 |
| Credit loss provision to net charge-offs | 183.4308% | 2,236 |
| Earnings coverage of net charge-offs (x) | 0.3177% | 5,800 |
| Efficiency ratio | 87.4808% | 1,931 |
| Assets per employee ($millions) | 4.8676% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4106% | 1,340 |
| Loan loss allowance to noncurrent loans | 126.9841% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 3.9866% | 1,657 |
| Noncurrent loans to loans | 1.8984% | 3,805 |
| Net loans and leases to total assets | 73.5381% | 2,373 |
| Net loans and leases to deposits | 85.1297% | 3,061 |
| Net loans and leases to core deposits | 109.7890% | 2,916 |
| Total domestic deposits to total assets | 86.3836% | 2,822 |
| Equity capital to assets | 8.8999% | 5,279 |
| Core capital (leverage) ratio | 8.4442% | 5,369 |
| Tier 1 risk-based capital ratio | 10.4044% | 6,494 |
| Total risk-based capital ratio | 11.6538% | 6,462 |
| Memoranda: | ||
| Average total assets | $82,701,400 | 5,643 |
| Average earning assets | $73,375,600 | 5,706 |
| Average equity | $9,346,400 | 5,489 |
| Average total loans | $60,835,400 | 5,215 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 4,682 |
| Cost of funding earning assets | 2.3848% | 1,684 |
| Net interest margin | 3.0670% | 6,413 |
| Noninterest income to average assets | 0.1312% | 7,222 |
| Noninterest expense to average assets | 2.8242% | 4,788 |
| Loan and lease loss provision to assets | 0.6662% | 2,741 |
| Net operating income to assets | -0.6330% | 6,551 |
| Return on assets (ROA) | -0.6330% | 6,561 |
| Pretax return on assets | -0.6330% | 6,431 |
| Return on Equity (ROE) | -5.2777% | 6,480 |
| Retained earnings to average equity (ytd only) | -5.2777% | 6,287 |
| Net charge-offs to loans | 0.8529% | 2,259 |
| Credit loss provision to net charge-offs | 106.9333% | 4,755 |
| Earnings coverage of net charge-offs (x) | 0.0533% | 5,997 |
| Efficiency ratio | 98.8372% | 1,122 |
| Assets per employee ($millions) | 5.1715% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 4,598 |
| Loan loss allowance to noncurrent loans | 55.2375% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 3.8673% | 1,661 |
| Noncurrent loans to loans | 2.3245% | 3,233 |
| Net loans and leases to total assets | 70.1215% | 3,484 |
| Net loans and leases to deposits | 82.4917% | 3,922 |
| Net loans and leases to core deposits | 106.5281% | 3,641 |
| Total domestic deposits to total assets | 85.0044% | 3,235 |
| Equity capital to assets | 10.2259% | 3,816 |
| Core capital (leverage) ratio | 10.2571% | 3,010 |
| Tier 1 risk-based capital ratio | 12.0038% | 4,975 |
| Total risk-based capital ratio | 13.1272% | 5,019 |
| Memoranda: | ||
| Average total assets | $80,255,750 | 5,755 |
| Average earning assets | $71,337,750 | 5,809 |
| Average equity | $9,625,250 | 5,448 |
| Average total loans | $58,621,500 | 5,354 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3599% | 5,356 |
| Cost of funding earning assets | 2.4902% | 1,651 |
| Net interest margin | 2.8697% | 6,867 |
| Noninterest income to average assets | 0.1211% | 7,377 |
| Noninterest expense to average assets | 2.9087% | 4,472 |
| Loan and lease loss provision to assets | 0.2316% | 4,733 |
| Net operating income to assets | -0.4712% | 6,521 |
| Return on assets (ROA) | -0.4712% | 6,532 |
| Pretax return on assets | -0.4712% | 6,393 |
| Return on Equity (ROE) | -3.7057% | 6,444 |
| Retained earnings to average equity (ytd only) | -3.7057% | 6,082 |
| Net charge-offs to loans | 0.2566% | 3,907 |
| Credit loss provision to net charge-offs | 122.2222% | 3,804 |
| Earnings coverage of net charge-offs (x) | -1.2639% | 6,279 |
| Efficiency ratio | 108.9744% | 876 |
| Assets per employee ($millions) | 4.8241% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 3,875 |
| Loan loss allowance to noncurrent loans | 33.7490% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 4.7177% | 1,176 |
| Noncurrent loans to loans | 4.0645% | 1,653 |
| Net loans and leases to total assets | 73.5569% | 2,827 |
| Net loans and leases to deposits | 91.4485% | 2,580 |
| Net loans and leases to core deposits | 120.8026% | 2,291 |
| Total domestic deposits to total assets | 80.4353% | 5,305 |
| Equity capital to assets | 11.7010% | 2,386 |
| Core capital (leverage) ratio | 11.4185% | 2,127 |
| Tier 1 risk-based capital ratio | 13.4721% | 3,829 |
| Total risk-based capital ratio | 14.6948% | 3,791 |
| Memoranda: | ||
| Average total assets | $75,978,670 | 5,917 |
| Average earning assets | $67,463,670 | 5,965 |
| Average equity | $9,660,670 | 5,469 |
| Average total loans | $56,121,000 | 5,499 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 6,519 |
| Cost of funding earning assets | 2.5461% | 1,750 |
| Net interest margin | 2.5956% | 7,372 |
| Noninterest income to average assets | 0.1480% | 7,238 |
| Noninterest expense to average assets | 2.9878% | 3,819 |
| Loan and lease loss provision to assets | 0.2357% | 4,094 |
| Net operating income to assets | -0.7730% | 7,109 |
| Return on assets (ROA) | -0.7730% | 7,144 |
| Pretax return on assets | -0.7730% | 7,017 |
| Return on Equity (ROE) | -5.8186% | 7,045 |
| Retained earnings to average equity (ytd only) | -5.8186% | 6,658 |
| Net charge-offs to loans | 0.8284% | 1,564 |
| Credit loss provision to net charge-offs | 38.7387% | 4,835 |
| Earnings coverage of net charge-offs (x) | -0.8829% | 5,339 |
| Efficiency ratio | 121.9239% | 601 |
| Assets per employee ($millions) | 4.3562% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 3,692 |
| Loan loss allowance to noncurrent loans | 31.1084% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 4.9503% | 912 |
| Noncurrent loans to loans | 4.3988% | 1,326 |
| Net loans and leases to total assets | 73.4836% | 2,890 |
| Net loans and leases to deposits | 93.7660% | 2,310 |
| Net loans and leases to core deposits | 128.0688% | 1,782 |
| Total domestic deposits to total assets | 78.3691% | 5,901 |
| Equity capital to assets | 13.0199% | 1,735 |
| Core capital (leverage) ratio | 12.5946% | 1,651 |
| Tier 1 risk-based capital ratio | 14.8090% | 3,153 |
| Total risk-based capital ratio | 16.0172% | 3,105 |
| Memoranda: | ||
| Average total assets | $72,963,000 | 6,030 |
| Average earning assets | $64,725,500 | 6,079 |
| Average equity | $9,693,000 | 5,479 |
| Average total loans | $53,600,000 | 5,651 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 7,168 |
| Cost of funding earning assets | 2.7832% | 2,774 |
| Net interest margin | 2.7815% | 7,361 |
| Noninterest income to average assets | 0.1267% | 7,482 |
| Noninterest expense to average assets | 3.2635% | 3,097 |
| Loan and lease loss provision to assets | 2.4113% | 442 |
| Net operating income to assets | -2.9711% | 7,818 |
| Return on assets (ROA) | -2.9711% | 7,787 |
| Pretax return on assets | -2.9711% | 7,702 |
| Return on Equity (ROE) | -17.5972% | 7,694 |
| Retained earnings to average equity (ytd only) | -17.5972% | 7,601 |
| Net charge-offs to loans | 2.4021% | 419 |
| Credit loss provision to net charge-offs | 134.9081% | 3,950 |
| Earnings coverage of net charge-offs (x) | -0.3132% | 6,421 |
| Efficiency ratio | 120.7056% | 563 |
| Assets per employee ($millions) | 4.2276% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 2,319 |
| Loan loss allowance to noncurrent loans | 33.9102% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 5.1009% | 671 |
| Noncurrent loans to loans | 4.6650% | 1,006 |
| Net loans and leases to total assets | 71.2439% | 3,738 |
| Net loans and leases to deposits | 91.8983% | 3,154 |
| Net loans and leases to core deposits | 117.9820% | 2,887 |
| Total domestic deposits to total assets | 77.5247% | 5,868 |
| Equity capital to assets | 13.5578% | 1,581 |
| Core capital (leverage) ratio | 13.4498% | 1,403 |
| Tier 1 risk-based capital ratio | 15.7930% | 2,744 |
| Total risk-based capital ratio | 17.0613% | 2,679 |
| Memoranda: | ||
| Average total assets | $63,949,200 | 6,232 |
| Average earning assets | $59,249,400 | 6,208 |
| Average equity | $10,797,200 | 5,185 |
| Average total loans | $47,582,800 | 5,800 |