Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 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 | 3.9412% | 4,004 |
| Cost of funding earning assets | 0.2146% | 5,720 |
| Net interest margin | 3.7266% | 2,918 |
| Noninterest income to average assets | 0.7585% | 2,059 |
| Noninterest expense to average assets | 2.7607% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2966% | 1,380 |
| Return on assets (ROA) | 1.2966% | 1,437 |
| Pretax return on assets | 1.2966% | 2,387 |
| Return on Equity (ROE) | 9.4504% | 2,476 |
| Retained earnings to average equity (ytd only) | 6.6916% | 1,985 |
| Net charge-offs to loans | -0.3601% | 6,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0433% | 3,841 |
| Assets per employee ($millions) | 3.8815% | 4,125 |
| Cash dividends to net income (ytd only)* | 29.1922% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 961 |
| Loan loss allowance to noncurrent loans | 40.1781% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 7.1252% | 162 |
| Noncurrent loans to loans | 5.4494% | 297 |
| Net loans and leases to total assets | 57.3392% | 4,161 |
| Net loans and leases to deposits | 67.4428% | 4,190 |
| Net loans and leases to core deposits | 68.3940% | 4,470 |
| Total domestic deposits to total assets | 85.0190% | 3,331 |
| Equity capital to assets | 14.6999% | 808 |
| Core capital (leverage) ratio | 14.8362% | 651 |
| Tier 1 risk-based capital ratio | 21.9314% | 1,268 |
| Total risk-based capital ratio | 23.1887% | 1,250 |
| Memoranda: | ||
| Average total assets | $267,360,500 | 2,393 |
| Average earning assets | $236,672,750 | 2,478 |
| Average equity | $36,682,000 | 1,924 |
| Average total loans | $149,590,750 | 2,584 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 3,937 |
| Cost of funding earning assets | 0.2141% | 5,795 |
| Net interest margin | 3.7339% | 2,826 |
| Noninterest income to average assets | 0.7910% | 1,873 |
| Noninterest expense to average assets | 2.5279% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5723% | 754 |
| Return on assets (ROA) | 1.5723% | 786 |
| Pretax return on assets | 1.5723% | 1,328 |
| Return on Equity (ROE) | 11.7291% | 1,509 |
| Retained earnings to average equity (ytd only) | 7.5319% | 1,511 |
| Net charge-offs to loans | -0.5436% | 6,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6525% | 5,057 |
| Assets per employee ($millions) | 3.9511% | 3,948 |
| Cash dividends to net income (ytd only)* | 35.7850% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 1,048 |
| Loan loss allowance to noncurrent loans | 39.6202% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 7.0357% | 182 |
| Noncurrent loans to loans | 5.5207% | 321 |
| Net loans and leases to total assets | 55.5579% | 4,340 |
| Net loans and leases to deposits | 64.7695% | 4,407 |
| Net loans and leases to core deposits | 65.6445% | 4,671 |
| Total domestic deposits to total assets | 85.7779% | 3,166 |
| Equity capital to assets | 14.0133% | 964 |
| Core capital (leverage) ratio | 14.5751% | 685 |
| Tier 1 risk-based capital ratio | 21.6886% | 1,314 |
| Total risk-based capital ratio | 22.9463% | 1,292 |
| Memoranda: | ||
| Average total assets | $269,793,000 | 2,376 |
| Average earning assets | $239,106,670 | 2,454 |
| Average equity | $36,166,330 | 1,942 |
| Average total loans | $148,635,670 | 2,595 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 5,182 |
| Cost of funding earning assets | 0.2156% | 5,881 |
| Net interest margin | 3.3785% | 4,227 |
| Noninterest income to average assets | 0.7191% | 2,087 |
| Noninterest expense to average assets | 2.5019% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2073% | 1,467 |
| Return on assets (ROA) | 1.2073% | 1,532 |
| Pretax return on assets | 1.2073% | 2,463 |
| Return on Equity (ROE) | 9.2140% | 2,368 |
| Retained earnings to average equity (ytd only) | 0.6436% | 5,333 |
| Net charge-offs to loans | -0.4964% | 6,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4511% | 4,282 |
| Assets per employee ($millions) | 4.1223% | 3,676 |
| Cash dividends to net income (ytd only)* | 93.0147% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1511% | 1,233 |
| Loan loss allowance to noncurrent loans | 27.4804% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 9.1109% | 130 |
| Noncurrent loans to loans | 7.8279% | 176 |
| Net loans and leases to total assets | 52.0956% | 4,662 |
| Net loans and leases to deposits | 60.1095% | 4,748 |
| Net loans and leases to core deposits | 60.9024% | 4,965 |
| Total domestic deposits to total assets | 86.6678% | 3,006 |
| Equity capital to assets | 13.1216% | 1,254 |
| Core capital (leverage) ratio | 13.1807% | 1,096 |
| Tier 1 risk-based capital ratio | 21.4876% | 1,376 |
| Total risk-based capital ratio | 22.7443% | 1,352 |
| Memoranda: | ||
| Average total assets | $270,353,000 | 2,377 |
| Average earning assets | $239,280,000 | 2,452 |
| Average equity | $35,424,500 | 1,965 |
| Average total loans | $146,650,000 | 2,633 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4386% | 5,760 |
| Cost of funding earning assets | 0.2614% | 5,901 |
| Net interest margin | 3.1772% | 5,070 |
| Noninterest income to average assets | 0.6911% | 2,590 |
| Noninterest expense to average assets | 2.5729% | 4,547 |
| Loan and lease loss provision to assets | 0.0148% | 4,834 |
| Net operating income to assets | 0.9114% | 2,722 |
| Return on assets (ROA) | 0.9989% | 2,393 |
| Pretax return on assets | 0.9989% | 3,350 |
| Return on Equity (ROE) | 7.7672% | 3,160 |
| Retained earnings to average equity (ytd only) | 5.9971% | 1,973 |
| Net charge-offs to loans | 0.5102% | 1,293 |
| Credit loss provision to net charge-offs | 5.4496% | 4,641 |
| Earnings coverage of net charge-offs (x) | 3.4142% | 3,861 |
| Efficiency ratio | 73.5319% | 3,207 |
| Assets per employee ($millions) | 4.0702% | 3,711 |
| Cash dividends to net income (ytd only)* | 22.7895% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9765% | 1,609 |
| Loan loss allowance to noncurrent loans | 23.9667% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 9.7113% | 135 |
| Noncurrent loans to loans | 8.2467% | 180 |
| Net loans and leases to total assets | 54.1676% | 4,562 |
| Net loans and leases to deposits | 62.4884% | 4,674 |
| Net loans and leases to core deposits | 63.5997% | 4,906 |
| Total domestic deposits to total assets | 86.6842% | 2,883 |
| Equity capital to assets | 13.0843% | 1,236 |
| Core capital (leverage) ratio | 14.1209% | 799 |
| Tier 1 risk-based capital ratio | 21.5729% | 1,321 |
| Total risk-based capital ratio | 22.8285% | 1,302 |
| Memoranda: | ||
| Average total assets | $270,585,600 | 2,340 |
| Average earning assets | $239,141,400 | 2,429 |
| Average equity | $34,800,400 | 1,980 |
| Average total loans | $143,867,400 | 2,640 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 5,898 |
| Cost of funding earning assets | 0.2718% | 5,947 |
| Net interest margin | 3.1196% | 5,267 |
| Noninterest income to average assets | 0.5755% | 3,298 |
| Noninterest expense to average assets | 2.5557% | 4,529 |
| Loan and lease loss provision to assets | 0.0197% | 4,613 |
| Net operating income to assets | 0.7550% | 3,580 |
| Return on assets (ROA) | 0.8716% | 3,092 |
| Pretax return on assets | 0.8716% | 4,004 |
| Return on Equity (ROE) | 6.8061% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.4401% | 3,514 |
| Net charge-offs to loans | 0.3195% | 1,941 |
| Credit loss provision to net charge-offs | 11.6959% | 4,200 |
| Earnings coverage of net charge-offs (x) | 4.6053% | 3,400 |
| Efficiency ratio | 76.7390% | 2,608 |
| Assets per employee ($millions) | 3.8748% | 4,084 |
| Cash dividends to net income (ytd only)* | 34.7628% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3414% | 1,118 |
| Loan loss allowance to noncurrent loans | 32.4361% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 9.4199% | 155 |
| Noncurrent loans to loans | 7.2186% | 281 |
| Net loans and leases to total assets | 53.4357% | 4,695 |
| Net loans and leases to deposits | 61.8255% | 4,786 |
| Net loans and leases to core deposits | 62.8957% | 5,023 |
| Total domestic deposits to total assets | 86.4300% | 3,003 |
| Equity capital to assets | 13.2977% | 1,200 |
| Core capital (leverage) ratio | 13.8233% | 915 |
| Tier 1 risk-based capital ratio | 22.2300% | 1,276 |
| Total risk-based capital ratio | 23.4898% | 1,252 |
| Memoranda: | ||
| Average total assets | $271,073,250 | 2,351 |
| Average earning assets | $239,381,000 | 2,443 |
| Average equity | $34,713,250 | 2,005 |
| Average total loans | $142,722,500 | 2,669 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 6,066 |
| Cost of funding earning assets | 0.2839% | 5,955 |
| Net interest margin | 3.0286% | 5,499 |
| Noninterest income to average assets | 0.5122% | 3,756 |
| Noninterest expense to average assets | 2.5086% | 4,693 |
| Loan and lease loss provision to assets | 0.0291% | 4,347 |
| Net operating income to assets | 0.6526% | 4,048 |
| Return on assets (ROA) | 0.8250% | 3,328 |
| Pretax return on assets | 0.8250% | 4,222 |
| Return on Equity (ROE) | 6.5216% | 3,867 |
| Retained earnings to average equity (ytd only) | 2.9790% | 4,422 |
| Net charge-offs to loans | 0.4785% | 1,381 |
| Credit loss provision to net charge-offs | 11.6959% | 3,873 |
| Earnings coverage of net charge-offs (x) | 2.7398% | 3,602 |
| Efficiency ratio | 78.6317% | 2,362 |
| Assets per employee ($millions) | 4.0784% | 3,627 |
| Cash dividends to net income (ytd only)* | 54.3210% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3589% | 1,157 |
| Loan loss allowance to noncurrent loans | 30.9770% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 9.6538% | 158 |
| Noncurrent loans to loans | 7.6151% | 283 |
| Net loans and leases to total assets | 51.9315% | 4,874 |
| Net loans and leases to deposits | 59.6829% | 5,006 |
| Net loans and leases to core deposits | 60.6861% | 5,206 |
| Total domestic deposits to total assets | 87.0124% | 2,815 |
| Equity capital to assets | 12.7405% | 1,443 |
| Core capital (leverage) ratio | 13.2016% | 1,095 |
| Tier 1 risk-based capital ratio | 21.9573% | 1,292 |
| Total risk-based capital ratio | 23.2171% | 1,269 |
| Memoranda: | ||
| Average total assets | $274,894,670 | 2,326 |
| Average earning assets | $243,078,670 | 2,418 |
| Average equity | $34,777,000 | 2,002 |
| Average total loans | $142,946,670 | 2,672 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3345% | 6,081 |
| Cost of funding earning assets | 0.2949% | 6,007 |
| Net interest margin | 3.0396% | 5,463 |
| Noninterest income to average assets | 0.4317% | 4,239 |
| Noninterest expense to average assets | 2.3675% | 5,205 |
| Loan and lease loss provision to assets | 0.0429% | 3,884 |
| Net operating income to assets | 0.7034% | 3,669 |
| Return on assets (ROA) | 0.8549% | 3,014 |
| Pretax return on assets | 0.8549% | 3,939 |
| Return on Equity (ROE) | 6.7804% | 3,606 |
| Retained earnings to average equity (ytd only) | -0.2041% | 5,819 |
| Net charge-offs to loans | 0.0445% | 3,406 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 921 |
| Efficiency ratio | 76.0331% | 2,919 |
| Assets per employee ($millions) | 4.2325% | 3,476 |
| Cash dividends to net income (ytd only)* | 103.0100% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6701% | 946 |
| Loan loss allowance to noncurrent loans | 30.2793% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 9.9319% | 195 |
| Noncurrent loans to loans | 8.8183% | 277 |
| Net loans and leases to total assets | 47.5245% | 5,276 |
| Net loans and leases to deposits | 54.4779% | 5,397 |
| Net loans and leases to core deposits | 55.5114% | 5,558 |
| Total domestic deposits to total assets | 87.2364% | 2,804 |
| Equity capital to assets | 12.5824% | 1,663 |
| Core capital (leverage) ratio | 12.5432% | 1,318 |
| Tier 1 risk-based capital ratio | 23.0550% | 1,153 |
| Total risk-based capital ratio | 24.3188% | 1,125 |
| Memoranda: | ||
| Average total assets | $279,792,500 | 2,316 |
| Average earning assets | $246,872,500 | 2,403 |
| Average equity | $35,278,000 | 2,002 |
| Average total loans | $143,922,000 | 2,667 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 5,194 |
| Cost of funding earning assets | 0.3766% | 6,072 |
| Net interest margin | 3.6622% | 3,818 |
| Noninterest income to average assets | 0.5197% | 3,772 |
| Noninterest expense to average assets | 2.5892% | 4,776 |
| Loan and lease loss provision to assets | 0.0972% | 4,430 |
| Net operating income to assets | 1.0372% | 2,180 |
| Return on assets (ROA) | 1.0372% | 2,377 |
| Pretax return on assets | 1.0372% | 3,405 |
| Return on Equity (ROE) | 7.9497% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.9497% | 1,141 |
| Net charge-offs to loans | 0.0671% | 5,012 |
| Credit loss provision to net charge-offs | 233.9450% | 1,055 |
| Earnings coverage of net charge-offs (x) | 27.2936% | 1,075 |
| Efficiency ratio | 69.5341% | 3,892 |
| Assets per employee ($millions) | 4.1827% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3956% | 1,236 |
| Loan loss allowance to noncurrent loans | 26.1591% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 10.2978% | 206 |
| Noncurrent loans to loans | 9.1577% | 280 |
| Net loans and leases to total assets | 52.7464% | 4,797 |
| Net loans and leases to deposits | 60.4902% | 4,974 |
| Net loans and leases to core deposits | 61.3142% | 5,235 |
| Total domestic deposits to total assets | 87.1983% | 2,707 |
| Equity capital to assets | 12.6347% | 1,621 |
| Core capital (leverage) ratio | 13.0760% | 1,090 |
| Tier 1 risk-based capital ratio | 21.3156% | 1,395 |
| Total risk-based capital ratio | 22.5770% | 1,369 |
| Memoranda: | ||
| Average total assets | $262,245,400 | 2,413 |
| Average earning assets | $229,424,400 | 2,519 |
| Average equity | $34,215,000 | 2,022 |
| Average total loans | $162,375,600 | 2,395 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 4,958 |
| Cost of funding earning assets | 0.3917% | 6,163 |
| Net interest margin | 3.7650% | 3,490 |
| Noninterest income to average assets | 0.5416% | 3,662 |
| Noninterest expense to average assets | 2.6511% | 4,559 |
| Loan and lease loss provision to assets | 0.1138% | 4,141 |
| Net operating income to assets | 1.0786% | 2,174 |
| Return on assets (ROA) | 1.0786% | 2,376 |
| Pretax return on assets | 1.0786% | 3,427 |
| Return on Equity (ROE) | 8.1963% | 3,188 |
| Retained earnings to average equity (ytd only) | 8.1963% | 1,535 |
| Net charge-offs to loans | 0.0678% | 4,738 |
| Credit loss provision to net charge-offs | 261.9048% | 1,054 |
| Earnings coverage of net charge-offs (x) | 27.4398% | 1,184 |
| Efficiency ratio | 68.9771% | 3,881 |
| Assets per employee ($millions) | 3.9061% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2795% | 1,560 |
| Loan loss allowance to noncurrent loans | 29.7949% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 10.5608% | 213 |
| Noncurrent loans to loans | 7.6507% | 432 |
| Net loans and leases to total assets | 60.1621% | 3,750 |
| Net loans and leases to deposits | 69.8437% | 3,912 |
| Net loans and leases to core deposits | 70.8911% | 4,389 |
| Total domestic deposits to total assets | 86.1382% | 3,176 |
| Equity capital to assets | 13.6128% | 1,300 |
| Core capital (leverage) ratio | 13.5895% | 983 |
| Tier 1 risk-based capital ratio | 20.1074% | 1,726 |
| Total risk-based capital ratio | 21.3680% | 1,697 |
| Memoranda: | ||
| Average total assets | $257,746,000 | 2,481 |
| Average earning assets | $226,038,250 | 2,575 |
| Average equity | $33,916,750 | 2,054 |
| Average total loans | $165,108,000 | 2,388 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 4,957 |
| Cost of funding earning assets | 0.4051% | 6,237 |
| Net interest margin | 3.7950% | 3,386 |
| Noninterest income to average assets | 0.5657% | 3,483 |
| Noninterest expense to average assets | 2.6633% | 4,563 |
| Loan and lease loss provision to assets | 0.1358% | 3,828 |
| Net operating income to assets | 1.0748% | 2,147 |
| Return on assets (ROA) | 1.0748% | 2,368 |
| Pretax return on assets | 1.0748% | 3,394 |
| Return on Equity (ROE) | 8.2627% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.2627% | 1,546 |
| Net charge-offs to loans | 0.0646% | 4,531 |
| Credit loss provision to net charge-offs | 324.0741% | 914 |
| Earnings coverage of net charge-offs (x) | 28.8889% | 1,098 |
| Efficiency ratio | 68.7500% | 3,981 |
| Assets per employee ($millions) | 3.8342% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 1,819 |
| Loan loss allowance to noncurrent loans | 31.9387% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 10.7411% | 228 |
| Noncurrent loans to loans | 6.8243% | 583 |
| Net loans and leases to total assets | 62.9459% | 3,245 |
| Net loans and leases to deposits | 72.8185% | 3,483 |
| Net loans and leases to core deposits | 74.0422% | 4,029 |
| Total domestic deposits to total assets | 86.4422% | 3,103 |
| Equity capital to assets | 13.3543% | 1,367 |
| Core capital (leverage) ratio | 13.4432% | 996 |
| Tier 1 risk-based capital ratio | 18.6628% | 2,084 |
| Total risk-based capital ratio | 19.9216% | 2,035 |
| Memoranda: | ||
| Average total assets | $257,727,330 | 2,480 |
| Average earning assets | $224,662,330 | 2,588 |
| Average equity | $33,524,330 | 2,062 |
| Average total loans | $167,238,330 | 2,379 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 5,271 |
| Cost of funding earning assets | 0.4308% | 6,251 |
| Net interest margin | 3.7213% | 3,730 |
| Noninterest income to average assets | 0.5253% | 3,739 |
| Noninterest expense to average assets | 2.5257% | 5,070 |
| Loan and lease loss provision to assets | 0.1550% | 3,436 |
| Net operating income to assets | 1.0971% | 2,098 |
| Return on assets (ROA) | 1.0971% | 2,293 |
| Pretax return on assets | 1.0971% | 3,333 |
| Return on Equity (ROE) | 8.5472% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.5472% | 1,761 |
| Net charge-offs to loans | 0.1284% | 3,333 |
| Credit loss provision to net charge-offs | 185.1852% | 1,416 |
| Earnings coverage of net charge-offs (x) | 14.9630% | 1,446 |
| Efficiency ratio | 66.8581% | 4,385 |
| Assets per employee ($millions) | 3.8198% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1507% | 1,988 |
| Loan loss allowance to noncurrent loans | 27.5819% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 10.9306% | 251 |
| Noncurrent loans to loans | 7.7977% | 508 |
| Net loans and leases to total assets | 61.7935% | 3,295 |
| Net loans and leases to deposits | 71.0926% | 3,576 |
| Net loans and leases to core deposits | 72.1012% | 4,138 |
| Total domestic deposits to total assets | 86.9197% | 3,004 |
| Equity capital to assets | 12.9071% | 1,480 |
| Core capital (leverage) ratio | 12.3659% | 1,402 |
| Tier 1 risk-based capital ratio | 18.2180% | 2,219 |
| Total risk-based capital ratio | 19.4763% | 2,194 |
| Memoranda: | ||
| Average total assets | $258,145,000 | 2,491 |
| Average earning assets | $225,622,500 | 2,592 |
| Average equity | $33,133,500 | 2,087 |
| Average total loans | $168,204,500 | 2,382 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 4,948 |
| Cost of funding earning assets | 0.5516% | 6,332 |
| Net interest margin | 3.9801% | 2,982 |
| Noninterest income to average assets | 0.8381% | 1,891 |
| Noninterest expense to average assets | 2.8257% | 4,255 |
| Loan and lease loss provision to assets | 0.8576% | 1,133 |
| Net operating income to assets | 0.6651% | 3,660 |
| Return on assets (ROA) | 0.6651% | 3,847 |
| Pretax return on assets | 0.6651% | 4,454 |
| Return on Equity (ROE) | 5.2090% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.2090% | 2,501 |
| Net charge-offs to loans | 0.7355% | 2,310 |
| Credit loss provision to net charge-offs | 162.2827% | 1,694 |
| Earnings coverage of net charge-offs (x) | 2.8813% | 3,767 |
| Efficiency ratio | 64.9825% | 4,955 |
| Assets per employee ($millions) | 3.6649% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0200% | 2,214 |
| Loan loss allowance to noncurrent loans | 28.7578% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 10.8501% | 275 |
| Noncurrent loans to loans | 7.0243% | 630 |
| Net loans and leases to total assets | 65.8339% | 2,821 |
| Net loans and leases to deposits | 76.2887% | 3,135 |
| Net loans and leases to core deposits | 77.5569% | 3,740 |
| Total domestic deposits to total assets | 86.2958% | 3,144 |
| Equity capital to assets | 12.7625% | 1,618 |
| Core capital (leverage) ratio | 12.7188% | 1,260 |
| Tier 1 risk-based capital ratio | 17.3487% | 2,440 |
| Total risk-based capital ratio | 18.6060% | 2,404 |
| Memoranda: | ||
| Average total assets | $250,343,000 | 2,516 |
| Average earning assets | $220,799,800 | 2,599 |
| Average equity | $31,963,800 | 2,078 |
| Average total loans | $179,876,200 | 2,250 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 4,833 |
| Cost of funding earning assets | 0.5748% | 6,407 |
| Net interest margin | 4.0350% | 2,756 |
| Noninterest income to average assets | 0.7953% | 2,076 |
| Noninterest expense to average assets | 2.8435% | 4,177 |
| Loan and lease loss provision to assets | 0.6029% | 1,634 |
| Net operating income to assets | 0.9266% | 2,642 |
| Return on assets (ROA) | 0.9266% | 2,787 |
| Pretax return on assets | 0.9266% | 3,668 |
| Return on Equity (ROE) | 7.2563% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.2563% | 1,834 |
| Net charge-offs to loans | 0.3624% | 3,276 |
| Credit loss provision to net charge-offs | 227.7328% | 1,252 |
| Earnings coverage of net charge-offs (x) | 5.7773% | 2,696 |
| Efficiency ratio | 65.0245% | 4,892 |
| Assets per employee ($millions) | 3.4325% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 2,971 |
| Loan loss allowance to noncurrent loans | 24.3648% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 10.5014% | 331 |
| Noncurrent loans to loans | 7.3587% | 649 |
| Net loans and leases to total assets | 72.8957% | 1,532 |
| Net loans and leases to deposits | 85.0440% | 1,826 |
| Net loans and leases to core deposits | 86.2905% | 2,739 |
| Total domestic deposits to total assets | 85.7153% | 3,369 |
| Equity capital to assets | 13.3160% | 1,456 |
| Core capital (leverage) ratio | 13.2164% | 1,141 |
| Tier 1 risk-based capital ratio | 16.9791% | 2,650 |
| Total risk-based capital ratio | 18.2348% | 2,612 |
| Memoranda: | ||
| Average total assets | $248,793,500 | 2,547 |
| Average earning assets | $220,598,750 | 2,621 |
| Average equity | $31,769,500 | 2,091 |
| Average total loans | $181,752,000 | 2,242 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 5,074 |
| Cost of funding earning assets | 0.5940% | 6,493 |
| Net interest margin | 3.9816% | 2,932 |
| Noninterest income to average assets | 0.9088% | 1,620 |
| Noninterest expense to average assets | 2.7817% | 4,498 |
| Loan and lease loss provision to assets | 0.6417% | 1,496 |
| Net operating income to assets | 1.0123% | 2,177 |
| Return on assets (ROA) | 1.0123% | 2,275 |
| Pretax return on assets | 1.0123% | 3,197 |
| Return on Equity (ROE) | 8.0409% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.0409% | 1,450 |
| Net charge-offs to loans | -0.1512% | 7,254 |
| Credit loss provision to net charge-offs | -583.9416% | 6,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7125% | 5,451 |
| Assets per employee ($millions) | 3.5451% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 2,405 |
| Loan loss allowance to noncurrent loans | 24.9514% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 10.6479% | 344 |
| Noncurrent loans to loans | 7.9675% | 570 |
| Net loans and leases to total assets | 70.4163% | 2,130 |
| Net loans and leases to deposits | 81.6714% | 2,496 |
| Net loans and leases to core deposits | 82.9787% | 3,370 |
| Total domestic deposits to total assets | 86.2191% | 3,205 |
| Equity capital to assets | 12.8250% | 1,610 |
| Core capital (leverage) ratio | 12.9973% | 1,162 |
| Tier 1 risk-based capital ratio | 16.8939% | 2,570 |
| Total risk-based capital ratio | 18.1520% | 2,535 |
| Memoranda: | ||
| Average total assets | $249,345,330 | 2,559 |
| Average earning assets | $220,868,670 | 2,638 |
| Average equity | $31,389,670 | 2,101 |
| Average total loans | $181,188,670 | 2,265 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5334% | 5,230 |
| Cost of funding earning assets | 0.6274% | 6,484 |
| Net interest margin | 3.9060% | 3,108 |
| Noninterest income to average assets | 1.1653% | 951 |
| Noninterest expense to average assets | 2.7272% | 4,729 |
| Loan and lease loss provision to assets | 1.2089% | 581 |
| Net operating income to assets | 0.6915% | 3,545 |
| Return on assets (ROA) | 0.6915% | 3,616 |
| Pretax return on assets | 0.6915% | 4,338 |
| Return on Equity (ROE) | 5.5455% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.5455% | 2,886 |
| Net charge-offs to loans | -0.2977% | 7,338 |
| Credit loss provision to net charge-offs | -555.5556% | 5,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9342% | 6,137 |
| Assets per employee ($millions) | 3.6574% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 2,421 |
| Loan loss allowance to noncurrent loans | 27.0520% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 10.6762% | 356 |
| Noncurrent loans to loans | 7.3899% | 706 |
| Net loans and leases to total assets | 69.8367% | 2,161 |
| Net loans and leases to deposits | 80.0216% | 2,723 |
| Net loans and leases to core deposits | 81.5653% | 3,519 |
| Total domestic deposits to total assets | 87.2724% | 2,784 |
| Equity capital to assets | 12.5198% | 1,622 |
| Core capital (leverage) ratio | 12.0428% | 1,538 |
| Tier 1 risk-based capital ratio | 16.6282% | 2,609 |
| Total risk-based capital ratio | 17.8861% | 2,583 |
| Memoranda: | ||
| Average total assets | $248,166,500 | 2,584 |
| Average earning assets | $219,969,000 | 2,663 |
| Average equity | $30,944,000 | 2,116 |
| Average total loans | $181,365,500 | 2,296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9536% | 4,775 |
| Cost of funding earning assets | 0.8702% | 6,297 |
| Net interest margin | 4.0834% | 2,646 |
| Noninterest income to average assets | 0.5682% | 3,688 |
| Noninterest expense to average assets | 2.9746% | 3,945 |
| Loan and lease loss provision to assets | 1.2325% | 1,260 |
| Net operating income to assets | 0.0780% | 5,641 |
| Return on assets (ROA) | 0.0780% | 5,777 |
| Pretax return on assets | 0.0657% | 5,767 |
| Return on Equity (ROE) | 0.6132% | 5,807 |
| Retained earnings to average equity (ytd only) | 0.6132% | 5,271 |
| Net charge-offs to loans | 1.3605% | 1,643 |
| Credit loss provision to net charge-offs | 114.6313% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.2074% | 4,899 |
| Efficiency ratio | 69.6173% | 4,259 |
| Assets per employee ($millions) | 3.5376% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 4,363 |
| Loan loss allowance to noncurrent loans | 23.8664% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 10.2346% | 394 |
| Noncurrent loans to loans | 6.0037% | 1,045 |
| Net loans and leases to total assets | 73.8376% | 1,691 |
| Net loans and leases to deposits | 84.5924% | 2,362 |
| Net loans and leases to core deposits | 87.0201% | 3,182 |
| Total domestic deposits to total assets | 87.2863% | 2,677 |
| Equity capital to assets | 12.4181% | 1,685 |
| Core capital (leverage) ratio | 12.3673% | 1,366 |
| Tier 1 risk-based capital ratio | 15.6951% | 2,896 |
| Total risk-based capital ratio | 16.9462% | 2,860 |
| Memoranda: | ||
| Average total assets | $242,186,400 | 2,616 |
| Average earning assets | $219,717,600 | 2,639 |
| Average equity | $30,822,000 | 2,123 |
| Average total loans | $191,395,200 | 2,237 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 4,840 |
| Cost of funding earning assets | 0.9173% | 6,323 |
| Net interest margin | 4.0775% | 2,727 |
| Noninterest income to average assets | 0.5747% | 3,620 |
| Noninterest expense to average assets | 2.8169% | 4,410 |
| Loan and lease loss provision to assets | 1.2097% | 1,178 |
| Net operating income to assets | 0.2757% | 5,253 |
| Return on assets (ROA) | 0.2757% | 5,416 |
| Pretax return on assets | 0.2591% | 5,590 |
| Return on Equity (ROE) | 2.1530% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.1530% | 4,884 |
| Net charge-offs to loans | 1.0190% | 1,977 |
| Credit loss provision to net charge-offs | 148.2361% | 2,640 |
| Earnings coverage of net charge-offs (x) | 1.7999% | 4,364 |
| Efficiency ratio | 65.7279% | 4,918 |
| Assets per employee ($millions) | 3.5613% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 3,628 |
| Loan loss allowance to noncurrent loans | 25.7409% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 10.0008% | 412 |
| Noncurrent loans to loans | 6.1275% | 1,006 |
| Net loans and leases to total assets | 76.9923% | 1,221 |
| Net loans and leases to deposits | 88.7398% | 1,899 |
| Net loans and leases to core deposits | 91.7015% | 2,849 |
| Total domestic deposits to total assets | 86.7618% | 2,660 |
| Equity capital to assets | 12.9252% | 1,617 |
| Core capital (leverage) ratio | 13.0582% | 1,206 |
| Tier 1 risk-based capital ratio | 16.0118% | 2,755 |
| Total risk-based capital ratio | 17.2651% | 2,705 |
| Memoranda: | ||
| Average total assets | $240,825,500 | 2,668 |
| Average earning assets | $219,181,250 | 2,674 |
| Average equity | $30,839,750 | 2,144 |
| Average total loans | $192,868,500 | 2,261 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 4,755 |
| Cost of funding earning assets | 0.9583% | 6,342 |
| Net interest margin | 4.0794% | 2,659 |
| Noninterest income to average assets | 0.5966% | 3,360 |
| Noninterest expense to average assets | 2.7715% | 4,611 |
| Loan and lease loss provision to assets | 1.4436% | 925 |
| Net operating income to assets | 0.1290% | 5,787 |
| Return on assets (ROA) | 0.1290% | 5,893 |
| Pretax return on assets | 0.1040% | 5,970 |
| Return on Equity (ROE) | 1.0102% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.0102% | 5,363 |
| Net charge-offs to loans | 1.4690% | 1,299 |
| Credit loss provision to net charge-offs | 121.7544% | 3,327 |
| Earnings coverage of net charge-offs (x) | 1.3053% | 4,522 |
| Efficiency ratio | 64.1688% | 5,305 |
| Assets per employee ($millions) | 3.4015% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,749 |
| Loan loss allowance to noncurrent loans | 20.8229% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 9.2206% | 470 |
| Noncurrent loans to loans | 6.4120% | 942 |
| Net loans and leases to total assets | 80.2569% | 760 |
| Net loans and leases to deposits | 92.4930% | 1,457 |
| Net loans and leases to core deposits | 95.1788% | 2,561 |
| Total domestic deposits to total assets | 86.7707% | 2,666 |
| Equity capital to assets | 12.9907% | 1,574 |
| Core capital (leverage) ratio | 12.9909% | 1,214 |
| Tier 1 risk-based capital ratio | 15.6326% | 2,834 |
| Total risk-based capital ratio | 16.8835% | 2,800 |
| Memoranda: | ||
| Average total assets | $240,377,000 | 2,698 |
| Average earning assets | $219,346,670 | 2,695 |
| Average equity | $30,686,000 | 2,149 |
| Average total loans | $194,011,000 | 2,274 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 5,965 |
| Cost of funding earning assets | 1.0301% | 6,228 |
| Net interest margin | 3.7505% | 4,006 |
| Noninterest income to average assets | 0.4571% | 4,404 |
| Noninterest expense to average assets | 2.5738% | 5,461 |
| Loan and lease loss provision to assets | 2.0455% | 539 |
| Net operating income to assets | -0.6509% | 6,930 |
| Return on assets (ROA) | -0.6509% | 6,960 |
| Pretax return on assets | -0.7006% | 6,899 |
| Return on Equity (ROE) | -5.1435% | 6,890 |
| Retained earnings to average equity (ytd only) | -5.1435% | 6,596 |
| Net charge-offs to loans | 2.8737% | 545 |
| Credit loss provision to net charge-offs | 88.5305% | 3,691 |
| Earnings coverage of net charge-offs (x) | 0.5821% | 4,508 |
| Efficiency ratio | 65.6805% | 5,190 |
| Assets per employee ($millions) | 3.4123% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,940 |
| Loan loss allowance to noncurrent loans | 16.7431% | 7,160 |
| Noncurrent assets plus other real estate owned to assets | 8.8332% | 514 |
| Noncurrent loans to loans | 6.6562% | 931 |
| Net loans and leases to total assets | 78.6405% | 1,033 |
| Net loans and leases to deposits | 90.3338% | 1,856 |
| Net loans and leases to core deposits | 93.3084% | 2,935 |
| Total domestic deposits to total assets | 87.0555% | 2,602 |
| Equity capital to assets | 12.7012% | 1,653 |
| Core capital (leverage) ratio | 11.6305% | 1,839 |
| Tier 1 risk-based capital ratio | 16.1327% | 2,596 |
| Total risk-based capital ratio | 17.2587% | 2,608 |
| Memoranda: | ||
| Average total assets | $241,511,500 | 2,746 |
| Average earning assets | $222,901,500 | 2,699 |
| Average equity | $30,563,000 | 2,184 |
| Average total loans | $194,174,500 | 2,333 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2926% | 5,213 |
| Cost of funding earning assets | 1.1998% | 6,661 |
| Net interest margin | 4.0928% | 2,491 |
| Noninterest income to average assets | 0.5136% | 4,304 |
| Noninterest expense to average assets | 2.9572% | 4,316 |
| Loan and lease loss provision to assets | 0.3424% | 4,742 |
| Net operating income to assets | 0.9883% | 1,877 |
| Return on assets (ROA) | 0.9896% | 1,923 |
| Pretax return on assets | 0.9896% | 2,624 |
| Return on Equity (ROE) | 7.6398% | 2,524 |
| Retained earnings to average equity (ytd only) | 4.1272% | 2,327 |
| Net charge-offs to loans | 0.1042% | 6,099 |
| Credit loss provision to net charge-offs | 390.2439% | 815 |
| Earnings coverage of net charge-offs (x) | 15.1659% | 1,324 |
| Efficiency ratio | 68.9659% | 4,833 |
| Assets per employee ($millions) | 3.3912% | 5,283 |
| Cash dividends to net income (ytd only)* | 45.9775% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,650 |
| Loan loss allowance to noncurrent loans | 16.9495% | 7,189 |
| Noncurrent assets plus other real estate owned to assets | 7.7092% | 610 |
| Noncurrent loans to loans | 6.7714% | 859 |
| Net loans and leases to total assets | 80.3210% | 936 |
| Net loans and leases to deposits | 92.2803% | 1,855 |
| Net loans and leases to core deposits | 100.7237% | 3,928 |
| Total domestic deposits to total assets | 87.0403% | 2,481 |
| Equity capital to assets | 12.6096% | 1,691 |
| Core capital (leverage) ratio | 12.8308% | 1,301 |
| Tier 1 risk-based capital ratio | 14.4382% | 3,243 |
| Total risk-based capital ratio | 15.5080% | 3,296 |
| Memoranda: | ||
| Average total assets | $233,630,800 | 2,783 |
| Average earning assets | $215,452,600 | 2,761 |
| Average equity | $30,262,600 | 2,213 |
| Average total loans | $196,739,600 | 2,323 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4518% | 4,684 |
| Cost of funding earning assets | 1.2499% | 6,729 |
| Net interest margin | 4.2019% | 2,058 |
| Noninterest income to average assets | 0.5264% | 4,267 |
| Noninterest expense to average assets | 2.8265% | 4,778 |
| Loan and lease loss provision to assets | 0.2886% | 4,667 |
| Net operating income to assets | 1.2825% | 1,263 |
| Return on assets (ROA) | 1.2825% | 1,338 |
| Pretax return on assets | 1.2825% | 2,000 |
| Return on Equity (ROE) | 9.8323% | 1,984 |
| Retained earnings to average equity (ytd only) | 4.5489% | 2,735 |
| Net charge-offs to loans | 0.0509% | 6,203 |
| Credit loss provision to net charge-offs | 666.6667% | 561 |
| Earnings coverage of net charge-offs (x) | 36.2924% | 803 |
| Efficiency ratio | 64.2735% | 5,691 |
| Assets per employee ($millions) | 3.3266% | 5,316 |
| Cash dividends to net income (ytd only)* | 53.7354% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 6,039 |
| Loan loss allowance to noncurrent loans | 16.2980% | 7,270 |
| Noncurrent assets plus other real estate owned to assets | 7.9692% | 542 |
| Noncurrent loans to loans | 6.4096% | 902 |
| Net loans and leases to total assets | 85.7133% | 370 |
| Net loans and leases to deposits | 100.0852% | 1,096 |
| Net loans and leases to core deposits | 108.6842% | 3,387 |
| Total domestic deposits to total assets | 85.6403% | 2,896 |
| Equity capital to assets | 13.1225% | 1,649 |
| Core capital (leverage) ratio | 13.1631% | 1,335 |
| Tier 1 risk-based capital ratio | 14.2791% | 3,397 |
| Total risk-based capital ratio | 15.2652% | 3,494 |
| Memoranda: | ||
| Average total assets | $230,997,500 | 2,832 |
| Average earning assets | $212,818,250 | 2,818 |
| Average equity | $30,131,250 | 2,245 |
| Average total loans | $196,326,500 | 2,356 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3599% | 5,357 |
| Cost of funding earning assets | 1.3123% | 6,764 |
| Net interest margin | 4.0476% | 2,513 |
| Noninterest income to average assets | 0.5339% | 4,153 |
| Noninterest expense to average assets | 2.8484% | 4,749 |
| Loan and lease loss provision to assets | 0.2604% | 4,497 |
| Net operating income to assets | 1.1338% | 1,652 |
| Return on assets (ROA) | 1.1338% | 1,734 |
| Pretax return on assets | 1.1338% | 2,521 |
| Return on Equity (ROE) | 8.7098% | 2,464 |
| Retained earnings to average equity (ytd only) | 4.4349% | 2,825 |
| Net charge-offs to loans | 0.0658% | 5,581 |
| Credit loss provision to net charge-offs | 468.7500% | 988 |
| Earnings coverage of net charge-offs (x) | 25.0938% | 1,133 |
| Efficiency ratio | 67.1373% | 5,334 |
| Assets per employee ($millions) | 3.2339% | 5,498 |
| Cash dividends to net income (ytd only)* | 49.0812% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,287 |
| Loan loss allowance to noncurrent loans | 12.2228% | 7,452 |
| Noncurrent assets plus other real estate owned to assets | 9.2872% | 352 |
| Noncurrent loans to loans | 8.1423% | 538 |
| Net loans and leases to total assets | 83.1011% | 773 |
| Net loans and leases to deposits | 96.3297% | 1,740 |
| Net loans and leases to core deposits | 105.0526% | 3,953 |
| Total domestic deposits to total assets | 86.2673% | 2,645 |
| Equity capital to assets | 13.1294% | 1,648 |
| Core capital (leverage) ratio | 13.3242% | 1,322 |
| Tier 1 risk-based capital ratio | 14.7218% | 3,136 |
| Total risk-based capital ratio | 15.6586% | 3,238 |
| Memoranda: | ||
| Average total assets | $230,376,670 | 2,856 |
| Average earning assets | $211,087,330 | 2,853 |
| Average equity | $29,989,330 | 2,263 |
| Average total loans | $194,535,670 | 2,406 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6074% | 4,306 |
| Cost of funding earning assets | 1.3776% | 6,790 |
| Net interest margin | 4.2297% | 1,805 |
| Noninterest income to average assets | 0.4923% | 4,392 |
| Noninterest expense to average assets | 2.6798% | 5,104 |
| Loan and lease loss provision to assets | 0.2600% | 3,881 |
| Net operating income to assets | 1.4162% | 1,111 |
| Return on assets (ROA) | 1.4162% | 1,193 |
| Pretax return on assets | 1.4162% | 1,919 |
| Return on Equity (ROE) | 10.9257% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.9257% | 988 |
| Net charge-offs to loans | 0.1085% | 4,107 |
| Credit loss provision to net charge-offs | 283.0189% | 1,704 |
| Earnings coverage of net charge-offs (x) | 18.2453% | 1,473 |
| Efficiency ratio | 61.5201% | 6,147 |
| Assets per employee ($millions) | 3.2680% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 6,725 |
| Loan loss allowance to noncurrent loans | 14.4930% | 7,416 |
| Noncurrent assets plus other real estate owned to assets | 7.1913% | 459 |
| Noncurrent loans to loans | 6.2469% | 736 |
| Net loans and leases to total assets | 86.3021% | 405 |
| Net loans and leases to deposits | 100.3672% | 1,362 |
| Net loans and leases to core deposits | 110.1909% | 3,408 |
| Total domestic deposits to total assets | 85.9863% | 2,735 |
| Equity capital to assets | 13.4403% | 1,555 |
| Core capital (leverage) ratio | 13.1820% | 1,423 |
| Tier 1 risk-based capital ratio | 14.7144% | 3,196 |
| Total risk-based capital ratio | 15.5781% | 3,334 |
| Memoranda: | ||
| Average total assets | $230,762,000 | 2,868 |
| Average earning assets | $210,794,000 | 2,870 |
| Average equity | $29,911,000 | 2,283 |
| Average total loans | $195,442,000 | 2,419 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2279% | 4,369 |
| Cost of funding earning assets | 2.0522% | 6,229 |
| Net interest margin | 4.1758% | 2,410 |
| Noninterest income to average assets | 0.5239% | 4,433 |
| Noninterest expense to average assets | 2.6734% | 5,369 |
| Loan and lease loss provision to assets | 0.1200% | 5,829 |
| Net operating income to assets | 0.6808% | 3,982 |
| Return on assets (ROA) | 0.6808% | 3,818 |
| Pretax return on assets | 1.5635% | 1,506 |
| Return on Equity (ROE) | 5.2810% | 4,248 |
| Retained earnings to average equity (ytd only) | -2.7004% | 6,036 |
| Net charge-offs to loans | 0.2915% | 3,455 |
| Credit loss provision to net charge-offs | 48.2759% | 6,370 |
| Earnings coverage of net charge-offs (x) | 6.7707% | 3,277 |
| Efficiency ratio | 61.3598% | 6,092 |
| Assets per employee ($millions) | 3.2782% | 5,268 |
| Cash dividends to net income (ytd only)* | 151.1335% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 6,831 |
| Loan loss allowance to noncurrent loans | 12.9884% | 7,450 |
| Noncurrent assets plus other real estate owned to assets | 7.1495% | 355 |
| Noncurrent loans to loans | 6.6581% | 476 |
| Net loans and leases to total assets | 81.6922% | 1,286 |
| Net loans and leases to deposits | 94.1821% | 2,729 |
| Net loans and leases to core deposits | 103.2592% | 4,474 |
| Total domestic deposits to total assets | 86.7386% | 2,071 |
| Equity capital to assets | 12.5048% | 2,011 |
| Core capital (leverage) ratio | 12.7090% | 1,661 |
| Tier 1 risk-based capital ratio | 14.2596% | 3,419 |
| Total risk-based capital ratio | 15.0733% | 3,559 |
| Memoranda: | ||
| Average total assets | $233,263,000 | 2,724 |
| Average earning assets | $214,116,200 | 2,720 |
| Average equity | $30,069,800 | 2,259 |
| Average total loans | $198,940,600 | 2,311 |