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 | 0.7641% | 6,564 |
| Cost of funding earning assets | 0.0216% | 6,549 |
| Net interest margin | 0.7425% | 6,563 |
| Noninterest income to average assets | 0.2037% | 5,709 |
| Noninterest expense to average assets | 0.6925% | 6,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1491% | 5,945 |
| Return on assets (ROA) | 0.1491% | 5,981 |
| Pretax return on assets | 0.1994% | 5,948 |
| Return on Equity (ROE) | 1.3469% | 5,979 |
| Retained earnings to average equity (ytd only) | 1.3469% | 5,358 |
| Net charge-offs to loans | 0.0046% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 87.7194% | 647 |
| Efficiency ratio | 77.6447% | 2,243 |
| Assets per employee ($millions) | 5.6620% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 5,945 |
| Loan loss allowance to noncurrent loans | 155.4526% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 4,869 |
| Noncurrent loans to loans | 0.4962% | 4,435 |
| Net loans and leases to total assets | 43.8489% | 5,530 |
| Net loans and leases to deposits | 53.2912% | 5,435 |
| Net loans and leases to core deposits | 53.6910% | 5,586 |
| Total domestic deposits to total assets | 82.2817% | 4,383 |
| Equity capital to assets | 16.5141% | 490 |
| Core capital (leverage) ratio | 9.2141% | 4,762 |
| Tier 1 risk-based capital ratio | 20.5050% | 1,551 |
| Total risk-based capital ratio | 21.3616% | 1,611 |
| Memoranda: | ||
| Average total assets | $586,486,750 | 1,136 |
| Average earning assets | $543,566,250 | 1,117 |
| Average equity | $64,937,250 | 1,138 |
| Average total loans | $287,188,750 | 1,499 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 5,080 |
| Cost of funding earning assets | 0.0964% | 6,491 |
| Net interest margin | 3.5299% | 3,657 |
| Noninterest income to average assets | 0.9478% | 1,337 |
| Noninterest expense to average assets | 2.9762% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3205% | 1,248 |
| Return on assets (ROA) | 1.3205% | 1,300 |
| Pretax return on assets | 1.3205% | 2,187 |
| Return on Equity (ROE) | 14.6212% | 851 |
| Retained earnings to average equity (ytd only) | 10.1434% | 690 |
| Net charge-offs to loans | -0.0076% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2667% | 3,785 |
| Assets per employee ($millions) | 4.7233% | 2,579 |
| Cash dividends to net income (ytd only)* | 30.6258% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 6,099 |
| Loan loss allowance to noncurrent loans | 146.8942% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 4,813 |
| Noncurrent loans to loans | 0.5068% | 4,478 |
| Net loans and leases to total assets | 49.7874% | 4,985 |
| Net loans and leases to deposits | 55.4323% | 5,241 |
| Net loans and leases to core deposits | 55.8551% | 5,426 |
| Total domestic deposits to total assets | 89.8166% | 895 |
| Equity capital to assets | 9.1810% | 5,127 |
| Core capital (leverage) ratio | 9.2270% | 4,698 |
| Tier 1 risk-based capital ratio | 20.0002% | 1,686 |
| Total risk-based capital ratio | 20.8148% | 1,763 |
| Memoranda: | ||
| Average total assets | $568,713,670 | 1,164 |
| Average earning assets | $539,560,330 | 1,121 |
| Average equity | $51,363,670 | 1,418 |
| Average total loans | $288,675,330 | 1,485 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 5,173 |
| Cost of funding earning assets | 0.0985% | 6,569 |
| Net interest margin | 3.4999% | 3,691 |
| Noninterest income to average assets | 0.9183% | 1,337 |
| Noninterest expense to average assets | 3.0240% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2143% | 1,449 |
| Return on assets (ROA) | 1.2143% | 1,506 |
| Pretax return on assets | 1.2143% | 2,425 |
| Return on Equity (ROE) | 13.5592% | 1,022 |
| Retained earnings to average equity (ytd only) | 4.4670% | 3,440 |
| Net charge-offs to loans | 0.0083% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 285.8333% | 166 |
| Efficiency ratio | 71.3498% | 3,601 |
| Assets per employee ($millions) | 4.6392% | 2,745 |
| Cash dividends to net income (ytd only)* | 67.0554% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 6,215 |
| Loan loss allowance to noncurrent loans | 114.9704% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 4,719 |
| Noncurrent loans to loans | 0.6401% | 4,261 |
| Net loans and leases to total assets | 50.4658% | 4,853 |
| Net loans and leases to deposits | 56.3304% | 5,087 |
| Net loans and leases to core deposits | 56.7316% | 5,300 |
| Total domestic deposits to total assets | 89.5890% | 1,314 |
| Equity capital to assets | 8.9167% | 5,208 |
| Core capital (leverage) ratio | 9.0054% | 5,003 |
| Tier 1 risk-based capital ratio | 19.1973% | 1,907 |
| Total risk-based capital ratio | 20.0043% | 2,001 |
| Memoranda: | ||
| Average total assets | $564,948,500 | 1,175 |
| Average earning assets | $535,906,000 | 1,146 |
| Average equity | $50,593,000 | 1,432 |
| Average total loans | $288,488,500 | 1,487 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 5,228 |
| Cost of funding earning assets | 0.1164% | 6,638 |
| Net interest margin | 3.5509% | 3,675 |
| Noninterest income to average assets | 1.0855% | 1,200 |
| Noninterest expense to average assets | 2.9876% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4571% | 901 |
| Return on assets (ROA) | 1.4571% | 946 |
| Pretax return on assets | 1.4571% | 1,599 |
| Return on Equity (ROE) | 16.5920% | 553 |
| Retained earnings to average equity (ytd only) | 6.7404% | 1,561 |
| Net charge-offs to loans | 0.1059% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 27.0936% | 1,278 |
| Efficiency ratio | 67.2170% | 4,341 |
| Assets per employee ($millions) | 4.5470% | 2,826 |
| Cash dividends to net income (ytd only)* | 59.3754% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 6,276 |
| Loan loss allowance to noncurrent loans | 102.6859% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 4,768 |
| Noncurrent loans to loans | 0.7268% | 4,146 |
| Net loans and leases to total assets | 50.9109% | 4,977 |
| Net loans and leases to deposits | 56.9232% | 5,218 |
| Net loans and leases to core deposits | 57.3668% | 5,435 |
| Total domestic deposits to total assets | 89.4379% | 1,368 |
| Equity capital to assets | 8.9948% | 5,041 |
| Core capital (leverage) ratio | 8.8759% | 5,171 |
| Tier 1 risk-based capital ratio | 18.7613% | 1,990 |
| Total risk-based capital ratio | 19.5613% | 2,102 |
| Memoranda: | ||
| Average total assets | $555,966,200 | 1,189 |
| Average earning assets | $525,949,800 | 1,151 |
| Average equity | $48,824,800 | 1,447 |
| Average total loans | $282,425,600 | 1,499 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6668% | 5,258 |
| Cost of funding earning assets | 0.1201% | 6,724 |
| Net interest margin | 3.5466% | 3,676 |
| Noninterest income to average assets | 1.1252% | 1,157 |
| Noninterest expense to average assets | 2.9570% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5217% | 867 |
| Return on assets (ROA) | 1.5217% | 910 |
| Pretax return on assets | 1.5217% | 1,540 |
| Return on Equity (ROE) | 17.4345% | 496 |
| Retained earnings to average equity (ytd only) | 7.8725% | 1,469 |
| Net charge-offs to loans | 0.0981% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 30.6090% | 1,225 |
| Efficiency ratio | 66.0232% | 4,472 |
| Assets per employee ($millions) | 4.5703% | 2,768 |
| Cash dividends to net income (ytd only)* | 54.8454% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 6,288 |
| Loan loss allowance to noncurrent loans | 105.0329% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 4,885 |
| Noncurrent loans to loans | 0.7609% | 4,325 |
| Net loans and leases to total assets | 49.3088% | 5,214 |
| Net loans and leases to deposits | 55.3754% | 5,424 |
| Net loans and leases to core deposits | 55.9800% | 5,624 |
| Total domestic deposits to total assets | 89.0446% | 1,532 |
| Equity capital to assets | 8.8732% | 5,326 |
| Core capital (leverage) ratio | 8.8611% | 5,306 |
| Tier 1 risk-based capital ratio | 18.8774% | 2,030 |
| Total risk-based capital ratio | 19.7242% | 2,120 |
| Memoranda: | ||
| Average total assets | $555,137,500 | 1,206 |
| Average earning assets | $524,917,750 | 1,167 |
| Average equity | $48,454,500 | 1,465 |
| Average total loans | $281,313,000 | 1,508 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 5,232 |
| Cost of funding earning assets | 0.1270% | 6,763 |
| Net interest margin | 3.5457% | 3,584 |
| Noninterest income to average assets | 1.1013% | 1,249 |
| Noninterest expense to average assets | 2.9360% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5177% | 873 |
| Return on assets (ROA) | 1.5177% | 939 |
| Pretax return on assets | 1.5177% | 1,567 |
| Return on Equity (ROE) | 17.4868% | 511 |
| Retained earnings to average equity (ytd only) | 7.8993% | 1,529 |
| Net charge-offs to loans | 0.0851% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 34.9583% | 1,028 |
| Efficiency ratio | 65.9220% | 4,562 |
| Assets per employee ($millions) | 4.5509% | 2,739 |
| Cash dividends to net income (ytd only)* | 54.8272% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 6,334 |
| Loan loss allowance to noncurrent loans | 118.7308% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 4,865 |
| Noncurrent loans to loans | 0.6852% | 4,567 |
| Net loans and leases to total assets | 50.5302% | 5,055 |
| Net loans and leases to deposits | 56.8332% | 5,262 |
| Net loans and leases to core deposits | 57.4222% | 5,473 |
| Total domestic deposits to total assets | 88.9097% | 1,678 |
| Equity capital to assets | 8.7383% | 5,502 |
| Core capital (leverage) ratio | 8.9361% | 5,095 |
| Tier 1 risk-based capital ratio | 18.3542% | 2,191 |
| Total risk-based capital ratio | 19.2266% | 2,289 |
| Memoranda: | ||
| Average total assets | $552,799,670 | 1,210 |
| Average earning assets | $522,655,330 | 1,172 |
| Average equity | $47,979,000 | 1,484 |
| Average total loans | $281,943,000 | 1,508 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 5,100 |
| Cost of funding earning assets | 0.1458% | 6,809 |
| Net interest margin | 3.5729% | 3,374 |
| Noninterest income to average assets | 1.1185% | 1,190 |
| Noninterest expense to average assets | 2.9047% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5852% | 726 |
| Return on assets (ROA) | 1.5852% | 785 |
| Pretax return on assets | 1.5852% | 1,336 |
| Return on Equity (ROE) | 18.3282% | 407 |
| Retained earnings to average equity (ytd only) | 7.3835% | 1,993 |
| Net charge-offs to loans | 0.1413% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 21.9899% | 1,149 |
| Efficiency ratio | 64.6935% | 4,886 |
| Assets per employee ($millions) | 4.5412% | 2,899 |
| Cash dividends to net income (ytd only)* | 59.7152% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 6,393 |
| Loan loss allowance to noncurrent loans | 130.7821% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 4,900 |
| Noncurrent loans to loans | 0.6402% | 4,845 |
| Net loans and leases to total assets | 50.4590% | 4,925 |
| Net loans and leases to deposits | 56.6718% | 5,174 |
| Net loans and leases to core deposits | 57.2550% | 5,410 |
| Total domestic deposits to total assets | 89.0372% | 1,662 |
| Equity capital to assets | 8.7245% | 5,788 |
| Core capital (leverage) ratio | 8.7588% | 5,249 |
| Tier 1 risk-based capital ratio | 18.3907% | 2,231 |
| Total risk-based capital ratio | 19.2914% | 2,309 |
| Memoranda: | ||
| Average total assets | $549,316,500 | 1,231 |
| Average earning assets | $518,350,500 | 1,199 |
| Average equity | $47,511,500 | 1,514 |
| Average total loans | $280,329,000 | 1,521 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 5,686 |
| Cost of funding earning assets | 0.1743% | 6,881 |
| Net interest margin | 3.6871% | 3,701 |
| Noninterest income to average assets | 1.1456% | 1,191 |
| Noninterest expense to average assets | 3.0894% | 2,959 |
| Loan and lease loss provision to assets | 0.0891% | 4,578 |
| Net operating income to assets | 1.4247% | 1,056 |
| Return on assets (ROA) | 1.4350% | 1,158 |
| Pretax return on assets | 1.4350% | 1,919 |
| Return on Equity (ROE) | 16.8965% | 547 |
| Retained earnings to average equity (ytd only) | 6.6926% | 1,724 |
| Net charge-offs to loans | 0.0330% | 5,458 |
| Credit loss provision to net charge-offs | 533.3333% | 452 |
| Earnings coverage of net charge-offs (x) | 90.6333% | 431 |
| Efficiency ratio | 67.1155% | 4,308 |
| Assets per employee ($millions) | 4.4286% | 3,094 |
| Cash dividends to net income (ytd only)* | 60.3905% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 6,349 |
| Loan loss allowance to noncurrent loans | 90.1700% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 4,532 |
| Noncurrent loans to loans | 0.9628% | 4,273 |
| Net loans and leases to total assets | 50.7354% | 5,071 |
| Net loans and leases to deposits | 56.4938% | 5,395 |
| Net loans and leases to core deposits | 56.9817% | 5,633 |
| Total domestic deposits to total assets | 89.8071% | 1,059 |
| Equity capital to assets | 8.5739% | 5,984 |
| Core capital (leverage) ratio | 8.5616% | 5,520 |
| Tier 1 risk-based capital ratio | 18.3943% | 2,137 |
| Total risk-based capital ratio | 19.3510% | 2,198 |
| Memoranda: | ||
| Average total assets | $538,866,800 | 1,240 |
| Average earning assets | $505,327,600 | 1,198 |
| Average equity | $45,766,800 | 1,520 |
| Average total loans | $272,847,600 | 1,523 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 5,756 |
| Cost of funding earning assets | 0.1809% | 6,986 |
| Net interest margin | 3.7315% | 3,648 |
| Noninterest income to average assets | 1.1555% | 1,142 |
| Noninterest expense to average assets | 3.0989% | 2,898 |
| Loan and lease loss provision to assets | 0.0895% | 4,488 |
| Net operating income to assets | 1.4641% | 1,090 |
| Return on assets (ROA) | 1.4780% | 1,178 |
| Pretax return on assets | 1.4780% | 1,965 |
| Return on Equity (ROE) | 17.4447% | 559 |
| Retained earnings to average equity (ytd only) | 7.8494% | 1,684 |
| Net charge-offs to loans | 0.0871% | 4,516 |
| Credit loss provision to net charge-offs | 203.3898% | 1,358 |
| Earnings coverage of net charge-offs (x) | 35.3057% | 965 |
| Efficiency ratio | 66.6079% | 4,329 |
| Assets per employee ($millions) | 4.3717% | 3,127 |
| Cash dividends to net income (ytd only)* | 55.0042% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 6,559 |
| Loan loss allowance to noncurrent loans | 81.3183% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 4,508 |
| Noncurrent loans to loans | 1.0087% | 4,438 |
| Net loans and leases to total assets | 49.4071% | 5,384 |
| Net loans and leases to deposits | 55.1761% | 5,703 |
| Net loans and leases to core deposits | 55.6860% | 5,916 |
| Total domestic deposits to total assets | 89.5443% | 1,097 |
| Equity capital to assets | 8.5500% | 6,222 |
| Core capital (leverage) ratio | 8.6630% | 5,533 |
| Tier 1 risk-based capital ratio | 17.8233% | 2,416 |
| Total risk-based capital ratio | 18.6787% | 2,536 |
| Memoranda: | ||
| Average total assets | $536,297,250 | 1,259 |
| Average earning assets | $502,591,250 | 1,219 |
| Average equity | $45,437,750 | 1,541 |
| Average total loans | $270,796,750 | 1,542 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 5,793 |
| Cost of funding earning assets | 0.1873% | 7,055 |
| Net interest margin | 3.7584% | 3,548 |
| Noninterest income to average assets | 1.1499% | 1,073 |
| Noninterest expense to average assets | 3.1232% | 2,839 |
| Loan and lease loss provision to assets | 0.0901% | 4,446 |
| Net operating income to assets | 1.4839% | 1,018 |
| Return on assets (ROA) | 1.5049% | 1,103 |
| Pretax return on assets | 1.5049% | 1,833 |
| Return on Equity (ROE) | 17.8184% | 528 |
| Retained earnings to average equity (ytd only) | 8.6204% | 1,408 |
| Net charge-offs to loans | 0.0747% | 4,397 |
| Credit loss provision to net charge-offs | 237.6238% | 1,208 |
| Earnings coverage of net charge-offs (x) | 41.5248% | 850 |
| Efficiency ratio | 66.4909% | 4,432 |
| Assets per employee ($millions) | 4.3106% | 3,239 |
| Cash dividends to net income (ytd only)* | 51.6209% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 6,672 |
| Loan loss allowance to noncurrent loans | 73.3088% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 4,482 |
| Noncurrent loans to loans | 1.0902% | 4,345 |
| Net loans and leases to total assets | 50.4281% | 5,301 |
| Net loans and leases to deposits | 56.2609% | 5,620 |
| Net loans and leases to core deposits | 56.8292% | 5,878 |
| Total domestic deposits to total assets | 89.6325% | 1,140 |
| Equity capital to assets | 8.5357% | 6,175 |
| Core capital (leverage) ratio | 8.5991% | 5,521 |
| Tier 1 risk-based capital ratio | 17.3333% | 2,533 |
| Total risk-based capital ratio | 18.1619% | 2,668 |
| Memoranda: | ||
| Average total assets | $532,910,330 | 1,269 |
| Average earning assets | $502,981,330 | 1,222 |
| Average equity | $45,009,670 | 1,553 |
| Average total loans | $270,321,670 | 1,548 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 5,910 |
| Cost of funding earning assets | 0.1970% | 7,112 |
| Net interest margin | 3.7494% | 3,599 |
| Noninterest income to average assets | 1.0665% | 1,270 |
| Noninterest expense to average assets | 3.0969% | 2,927 |
| Loan and lease loss provision to assets | 0.0906% | 4,221 |
| Net operating income to assets | 1.4130% | 1,201 |
| Return on assets (ROA) | 1.4552% | 1,242 |
| Pretax return on assets | 1.4552% | 2,006 |
| Return on Equity (ROE) | 17.3231% | 625 |
| Retained earnings to average equity (ytd only) | 7.2599% | 2,296 |
| Net charge-offs to loans | 0.0804% | 3,689 |
| Credit loss provision to net charge-offs | 222.2222% | 1,252 |
| Earnings coverage of net charge-offs (x) | 36.8889% | 797 |
| Efficiency ratio | 67.3175% | 4,298 |
| Assets per employee ($millions) | 4.4196% | 3,155 |
| Cash dividends to net income (ytd only)* | 58.0913% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 6,763 |
| Loan loss allowance to noncurrent loans | 39.3968% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 1.5143% | 3,582 |
| Noncurrent loans to loans | 1.9997% | 3,166 |
| Net loans and leases to total assets | 49.8283% | 5,330 |
| Net loans and leases to deposits | 55.4525% | 5,663 |
| Net loans and leases to core deposits | 56.3845% | 5,873 |
| Total domestic deposits to total assets | 89.8578% | 1,156 |
| Equity capital to assets | 8.3964% | 6,182 |
| Core capital (leverage) ratio | 8.4986% | 5,594 |
| Tier 1 risk-based capital ratio | 17.1782% | 2,613 |
| Total risk-based capital ratio | 17.9922% | 2,745 |
| Memoranda: | ||
| Average total assets | $529,955,000 | 1,276 |
| Average earning assets | $499,487,000 | 1,231 |
| Average equity | $44,518,500 | 1,559 |
| Average total loans | $268,529,500 | 1,564 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 5,971 |
| Cost of funding earning assets | 0.3236% | 7,063 |
| Net interest margin | 3.9075% | 3,304 |
| Noninterest income to average assets | 1.0209% | 1,304 |
| Noninterest expense to average assets | 3.2642% | 2,639 |
| Loan and lease loss provision to assets | 0.0981% | 5,365 |
| Net operating income to assets | 1.3102% | 1,219 |
| Return on assets (ROA) | 1.3102% | 1,329 |
| Pretax return on assets | 1.3102% | 2,090 |
| Return on Equity (ROE) | 15.9857% | 604 |
| Retained earnings to average equity (ytd only) | 6.3262% | 1,841 |
| Net charge-offs to loans | 0.1236% | 5,151 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 21.5294% | 1,090 |
| Efficiency ratio | 69.8592% | 3,993 |
| Assets per employee ($millions) | 4.2350% | 3,404 |
| Cash dividends to net income (ytd only)* | 60.4258% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 6,814 |
| Loan loss allowance to noncurrent loans | 36.7713% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 1.5586% | 3,608 |
| Noncurrent loans to loans | 2.0766% | 3,099 |
| Net loans and leases to total assets | 50.7343% | 5,496 |
| Net loans and leases to deposits | 56.3311% | 5,858 |
| Net loans and leases to core deposits | 57.2521% | 6,060 |
| Total domestic deposits to total assets | 90.0645% | 962 |
| Equity capital to assets | 8.4045% | 6,243 |
| Core capital (leverage) ratio | 8.3148% | 5,834 |
| Tier 1 risk-based capital ratio | 17.9894% | 2,190 |
| Total risk-based capital ratio | 18.8304% | 2,321 |
| Memoranda: | ||
| Average total assets | $519,755,800 | 1,288 |
| Average earning assets | $485,728,800 | 1,258 |
| Average equity | $42,600,600 | 1,574 |
| Average total loans | $275,046,800 | 1,540 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 5,971 |
| Cost of funding earning assets | 0.3601% | 7,104 |
| Net interest margin | 3.9319% | 3,222 |
| Noninterest income to average assets | 0.9897% | 1,365 |
| Noninterest expense to average assets | 3.3250% | 2,423 |
| Loan and lease loss provision to assets | 0.1312% | 4,789 |
| Net operating income to assets | 1.2016% | 1,648 |
| Return on assets (ROA) | 1.2016% | 1,758 |
| Pretax return on assets | 1.2016% | 2,629 |
| Return on Equity (ROE) | 14.7551% | 880 |
| Retained earnings to average equity (ytd only) | 5.5016% | 2,858 |
| Net charge-offs to loans | 0.0024% | 6,167 |
| Credit loss provision to net charge-offs | 10,200.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 1,035.8561% | 24 |
| Efficiency ratio | 71.3860% | 3,673 |
| Assets per employee ($millions) | 4.1905% | 3,463 |
| Cash dividends to net income (ytd only)* | 62.7140% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 6,685 |
| Loan loss allowance to noncurrent loans | 42.3699% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5947% | 3,698 |
| Noncurrent loans to loans | 2.0508% | 3,300 |
| Net loans and leases to total assets | 51.5328% | 5,504 |
| Net loans and leases to deposits | 57.3716% | 5,906 |
| Net loans and leases to core deposits | 58.3547% | 6,100 |
| Total domestic deposits to total assets | 89.8229% | 962 |
| Equity capital to assets | 8.1921% | 6,570 |
| Core capital (leverage) ratio | 8.0940% | 6,292 |
| Tier 1 risk-based capital ratio | 17.4042% | 2,481 |
| Total risk-based capital ratio | 18.3718% | 2,558 |
| Memoranda: | ||
| Average total assets | $518,410,750 | 1,297 |
| Average earning assets | $483,622,750 | 1,266 |
| Average equity | $42,217,000 | 1,595 |
| Average total loans | $276,690,000 | 1,553 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 5,926 |
| Cost of funding earning assets | 0.3900% | 7,147 |
| Net interest margin | 3.9365% | 3,142 |
| Noninterest income to average assets | 0.9837% | 1,368 |
| Noninterest expense to average assets | 3.3947% | 2,275 |
| Loan and lease loss provision to assets | 0.1980% | 3,950 |
| Net operating income to assets | 1.0699% | 1,972 |
| Return on assets (ROA) | 1.0699% | 2,058 |
| Pretax return on assets | 1.0699% | 2,966 |
| Return on Equity (ROE) | 13.1642% | 1,164 |
| Retained earnings to average equity (ytd only) | 3.0379% | 4,345 |
| Net charge-offs to loans | -0.0166% | 6,787 |
| Credit loss provision to net charge-offs | -2,217.3913% | 6,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8083% | 3,580 |
| Assets per employee ($millions) | 4.0791% | 3,588 |
| Cash dividends to net income (ytd only)* | 76.9231% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 6,694 |
| Loan loss allowance to noncurrent loans | 50.8535% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5063% | 3,942 |
| Noncurrent loans to loans | 1.7435% | 3,825 |
| Net loans and leases to total assets | 51.2624% | 5,660 |
| Net loans and leases to deposits | 57.4259% | 6,008 |
| Net loans and leases to core deposits | 58.3848% | 6,244 |
| Total domestic deposits to total assets | 89.2670% | 1,376 |
| Equity capital to assets | 8.0143% | 6,671 |
| Core capital (leverage) ratio | 7.9941% | 6,306 |
| Tier 1 risk-based capital ratio | 16.9984% | 2,522 |
| Total risk-based capital ratio | 17.9798% | 2,592 |
| Memoranda: | ||
| Average total assets | $515,211,330 | 1,308 |
| Average earning assets | $481,499,330 | 1,275 |
| Average equity | $41,871,000 | 1,600 |
| Average total loans | $277,425,670 | 1,565 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 5,713 |
| Cost of funding earning assets | 0.4189% | 7,185 |
| Net interest margin | 3.9756% | 2,791 |
| Noninterest income to average assets | 1.0437% | 1,208 |
| Noninterest expense to average assets | 3.4819% | 2,053 |
| Loan and lease loss provision to assets | 0.2001% | 3,635 |
| Net operating income to assets | 1.0853% | 1,889 |
| Return on assets (ROA) | 1.0853% | 1,934 |
| Pretax return on assets | 1.0853% | 2,809 |
| Return on Equity (ROE) | 13.2595% | 1,133 |
| Retained earnings to average equity (ytd only) | 3.0968% | 4,312 |
| Net charge-offs to loans | -0.0771% | 7,011 |
| Credit loss provision to net charge-offs | -472.2222% | 5,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0370% | 3,674 |
| Assets per employee ($millions) | 3.9753% | 3,884 |
| Cash dividends to net income (ytd only)* | 76.6450% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 6,952 |
| Loan loss allowance to noncurrent loans | 61.2650% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.2823% | 4,395 |
| Noncurrent loans to loans | 1.2824% | 4,557 |
| Net loans and leases to total assets | 53.4888% | 5,382 |
| Net loans and leases to deposits | 59.8934% | 5,739 |
| Net loans and leases to core deposits | 61.0389% | 6,011 |
| Total domestic deposits to total assets | 89.3068% | 1,588 |
| Equity capital to assets | 8.1028% | 6,389 |
| Core capital (leverage) ratio | 8.2226% | 5,948 |
| Tier 1 risk-based capital ratio | 16.3629% | 2,728 |
| Total risk-based capital ratio | 17.2265% | 2,882 |
| Memoranda: | ||
| Average total assets | $509,717,500 | 1,324 |
| Average earning assets | $477,406,500 | 1,291 |
| Average equity | $41,721,000 | 1,599 |
| Average total loans | $280,061,000 | 1,565 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 5,637 |
| Cost of funding earning assets | 0.6152% | 7,095 |
| Net interest margin | 4.1291% | 2,451 |
| Noninterest income to average assets | 1.1297% | 1,155 |
| Noninterest expense to average assets | 3.6012% | 1,921 |
| Loan and lease loss provision to assets | 0.2069% | 5,179 |
| Net operating income to assets | 1.2058% | 1,399 |
| Return on assets (ROA) | 1.2058% | 1,475 |
| Pretax return on assets | 1.2058% | 2,211 |
| Return on Equity (ROE) | 14.5222% | 789 |
| Retained earnings to average equity (ytd only) | 4.3457% | 2,796 |
| Net charge-offs to loans | 0.3510% | 4,265 |
| Credit loss provision to net charge-offs | 103.1345% | 4,377 |
| Earnings coverage of net charge-offs (x) | 7.0425% | 2,211 |
| Efficiency ratio | 71.8244% | 3,827 |
| Assets per employee ($millions) | 3.8665% | 4,093 |
| Cash dividends to net income (ytd only)* | 70.0757% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6678% | 7,179 |
| Loan loss allowance to noncurrent loans | 58.1323% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 4,236 |
| Noncurrent loans to loans | 1.1488% | 4,812 |
| Net loans and leases to total assets | 55.6314% | 5,398 |
| Net loans and leases to deposits | 62.3955% | 5,804 |
| Net loans and leases to core deposits | 63.8840% | 6,061 |
| Total domestic deposits to total assets | 89.1593% | 1,559 |
| Equity capital to assets | 8.2697% | 6,178 |
| Core capital (leverage) ratio | 8.0993% | 6,018 |
| Tier 1 risk-based capital ratio | 15.6459% | 2,930 |
| Total risk-based capital ratio | 16.3606% | 3,131 |
| Memoranda: | ||
| Average total assets | $493,036,200 | 1,363 |
| Average earning assets | $463,781,600 | 1,324 |
| Average equity | $40,937,200 | 1,617 |
| Average total loans | $281,796,800 | 1,587 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 5,689 |
| Cost of funding earning assets | 0.6469% | 7,188 |
| Net interest margin | 4.1469% | 2,419 |
| Noninterest income to average assets | 1.1055% | 1,154 |
| Noninterest expense to average assets | 3.5980% | 1,797 |
| Loan and lease loss provision to assets | 0.2079% | 4,983 |
| Net operating income to assets | 1.2003% | 1,592 |
| Return on assets (ROA) | 1.2003% | 1,673 |
| Pretax return on assets | 1.2003% | 2,487 |
| Return on Equity (ROE) | 14.4415% | 947 |
| Retained earnings to average equity (ytd only) | 4.6133% | 3,250 |
| Net charge-offs to loans | 0.2867% | 4,222 |
| Credit loss provision to net charge-offs | 126.2376% | 3,236 |
| Earnings coverage of net charge-offs (x) | 8.5512% | 2,145 |
| Efficiency ratio | 71.8706% | 3,725 |
| Assets per employee ($millions) | 3.7616% | 4,364 |
| Cash dividends to net income (ytd only)* | 68.0552% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 7,177 |
| Loan loss allowance to noncurrent loans | 54.4469% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2677% | 4,611 |
| Noncurrent loans to loans | 1.3094% | 4,675 |
| Net loans and leases to total assets | 55.4798% | 5,625 |
| Net loans and leases to deposits | 62.4271% | 6,071 |
| Net loans and leases to core deposits | 63.7352% | 6,320 |
| Total domestic deposits to total assets | 88.8714% | 1,462 |
| Equity capital to assets | 8.2329% | 6,574 |
| Core capital (leverage) ratio | 8.0987% | 6,202 |
| Tier 1 risk-based capital ratio | 15.4540% | 3,026 |
| Total risk-based capital ratio | 16.2148% | 3,251 |
| Memoranda: | ||
| Average total assets | $490,635,000 | 1,383 |
| Average earning assets | $461,503,000 | 1,339 |
| Average equity | $40,779,750 | 1,625 |
| Average total loans | $281,869,500 | 1,605 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 5,610 |
| Cost of funding earning assets | 0.6679% | 7,259 |
| Net interest margin | 4.1802% | 2,220 |
| Noninterest income to average assets | 1.0733% | 1,168 |
| Noninterest expense to average assets | 3.5704% | 1,855 |
| Loan and lease loss provision to assets | 0.2098% | 4,781 |
| Net operating income to assets | 1.2198% | 1,510 |
| Return on assets (ROA) | 1.2198% | 1,569 |
| Pretax return on assets | 1.2198% | 2,349 |
| Return on Equity (ROE) | 14.6274% | 921 |
| Retained earnings to average equity (ytd only) | 4.7804% | 3,026 |
| Net charge-offs to loans | 0.1674% | 4,611 |
| Credit loss provision to net charge-offs | 216.1017% | 1,808 |
| Earnings coverage of net charge-offs (x) | 14.7246% | 1,504 |
| Efficiency ratio | 71.4086% | 3,920 |
| Assets per employee ($millions) | 3.6588% | 4,570 |
| Cash dividends to net income (ytd only)* | 67.3187% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 7,163 |
| Loan loss allowance to noncurrent loans | 37.4625% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 4,288 |
| Noncurrent loans to loans | 1.9865% | 3,736 |
| Net loans and leases to total assets | 57.3254% | 5,516 |
| Net loans and leases to deposits | 64.6511% | 5,962 |
| Net loans and leases to core deposits | 66.1555% | 6,235 |
| Total domestic deposits to total assets | 88.6689% | 1,627 |
| Equity capital to assets | 8.3001% | 6,428 |
| Core capital (leverage) ratio | 8.2350% | 5,883 |
| Tier 1 risk-based capital ratio | 15.1200% | 3,099 |
| Total risk-based capital ratio | 15.9157% | 3,323 |
| Memoranda: | ||
| Average total assets | $486,162,670 | 1,407 |
| Average earning assets | $456,679,000 | 1,359 |
| Average equity | $40,540,330 | 1,639 |
| Average total loans | $281,941,000 | 1,621 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 5,629 |
| Cost of funding earning assets | 0.6809% | 7,373 |
| Net interest margin | 4.1820% | 2,113 |
| Noninterest income to average assets | 1.0326% | 1,196 |
| Noninterest expense to average assets | 3.5332% | 1,904 |
| Loan and lease loss provision to assets | 0.2115% | 4,394 |
| Net operating income to assets | 1.2051% | 1,527 |
| Return on assets (ROA) | 1.2051% | 1,603 |
| Pretax return on assets | 1.2051% | 2,348 |
| Return on Equity (ROE) | 14.4175% | 970 |
| Retained earnings to average equity (ytd only) | 2.4112% | 4,691 |
| Net charge-offs to loans | 0.2769% | 3,308 |
| Credit loss provision to net charge-offs | 131.4433% | 2,687 |
| Earnings coverage of net charge-offs (x) | 8.8041% | 1,922 |
| Efficiency ratio | 71.3807% | 4,052 |
| Assets per employee ($millions) | 3.6712% | 4,646 |
| Cash dividends to net income (ytd only)* | 83.2760% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 7,397 |
| Loan loss allowance to noncurrent loans | 28.0100% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 1.8097% | 3,771 |
| Noncurrent loans to loans | 2.3954% | 3,276 |
| Net loans and leases to total assets | 57.0512% | 5,596 |
| Net loans and leases to deposits | 66.1815% | 5,802 |
| Net loans and leases to core deposits | 67.7481% | 6,126 |
| Total domestic deposits to total assets | 86.2041% | 3,029 |
| Equity capital to assets | 8.1460% | 6,497 |
| Core capital (leverage) ratio | 8.3209% | 5,704 |
| Tier 1 risk-based capital ratio | 14.6350% | 3,299 |
| Total risk-based capital ratio | 15.3406% | 3,561 |
| Memoranda: | ||
| Average total assets | $482,277,500 | 1,451 |
| Average earning assets | $451,743,500 | 1,403 |
| Average equity | $40,312,000 | 1,665 |
| Average total loans | $280,275,500 | 1,679 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 4,662 |
| Cost of funding earning assets | 0.7516% | 7,619 |
| Net interest margin | 4.6568% | 893 |
| Noninterest income to average assets | 1.1976% | 1,074 |
| Noninterest expense to average assets | 3.6499% | 2,030 |
| Loan and lease loss provision to assets | 0.2608% | 5,321 |
| Net operating income to assets | 1.6651% | 476 |
| Return on assets (ROA) | 1.6651% | 506 |
| Pretax return on assets | 1.6651% | 841 |
| Return on Equity (ROE) | 18.8928% | 310 |
| Retained earnings to average equity (ytd only) | 3.1070% | 2,987 |
| Net charge-offs to loans | 0.3544% | 4,456 |
| Credit loss provision to net charge-offs | 127.6757% | 4,055 |
| Earnings coverage of net charge-offs (x) | 9.4281% | 1,798 |
| Efficiency ratio | 65.4600% | 5,496 |
| Assets per employee ($millions) | 3.5258% | 4,950 |
| Cash dividends to net income (ytd only)* | 83.5544% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6702% | 7,435 |
| Loan loss allowance to noncurrent loans | 31.2489% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3433% | 4,413 |
| Noncurrent loans to loans | 2.1447% | 3,463 |
| Net loans and leases to total assets | 58.4377% | 5,590 |
| Net loans and leases to deposits | 66.6354% | 5,985 |
| Net loans and leases to core deposits | 74.3788% | 6,512 |
| Total domestic deposits to total assets | 87.6977% | 2,125 |
| Equity capital to assets | 8.5835% | 5,749 |
| Core capital (leverage) ratio | 8.4546% | 5,356 |
| Tier 1 risk-based capital ratio | 14.8761% | 3,015 |
| Total risk-based capital ratio | 15.5747% | 3,256 |
| Memoranda: | ||
| Average total assets | $452,838,000 | 1,529 |
| Average earning assets | $425,746,800 | 1,484 |
| Average equity | $39,909,400 | 1,678 |
| Average total loans | $261,032,400 | 1,827 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 4,435 |
| Cost of funding earning assets | 0.7636% | 7,748 |
| Net interest margin | 4.7335% | 786 |
| Noninterest income to average assets | 1.2043% | 1,062 |
| Noninterest expense to average assets | 3.6097% | 2,012 |
| Loan and lease loss provision to assets | 0.3707% | 4,105 |
| Net operating income to assets | 1.6820% | 580 |
| Return on assets (ROA) | 1.6820% | 615 |
| Pretax return on assets | 1.6820% | 1,005 |
| Return on Equity (ROE) | 18.9563% | 364 |
| Retained earnings to average equity (ytd only) | 3.0534% | 3,620 |
| Net charge-offs to loans | 0.1808% | 4,938 |
| Credit loss provision to net charge-offs | 357.5931% | 1,144 |
| Earnings coverage of net charge-offs (x) | 19.7995% | 1,267 |
| Efficiency ratio | 63.7480% | 5,803 |
| Assets per employee ($millions) | 3.4781% | 4,983 |
| Cash dividends to net income (ytd only)* | 83.8927% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,652 |
| Loan loss allowance to noncurrent loans | 60.3682% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 5,201 |
| Noncurrent loans to loans | 1.5331% | 4,348 |
| Net loans and leases to total assets | 58.5483% | 5,802 |
| Net loans and leases to deposits | 67.2264% | 6,193 |
| Net loans and leases to core deposits | 74.6416% | 6,693 |
| Total domestic deposits to total assets | 87.0912% | 2,134 |
| Equity capital to assets | 8.7923% | 5,812 |
| Core capital (leverage) ratio | 8.6694% | 5,184 |
| Tier 1 risk-based capital ratio | 15.1560% | 2,976 |
| Total risk-based capital ratio | 16.1234% | 3,043 |
| Memoranda: | ||
| Average total assets | $448,813,250 | 1,557 |
| Average earning assets | $422,709,250 | 1,509 |
| Average equity | $39,824,000 | 1,708 |
| Average total loans | $257,319,250 | 1,874 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5599% | 4,288 |
| Cost of funding earning assets | 0.7884% | 7,832 |
| Net interest margin | 4.7715% | 698 |
| Noninterest income to average assets | 1.1977% | 1,091 |
| Noninterest expense to average assets | 3.5809% | 2,119 |
| Loan and lease loss provision to assets | 0.2150% | 4,898 |
| Net operating income to assets | 1.8852% | 387 |
| Return on assets (ROA) | 1.8852% | 418 |
| Pretax return on assets | 1.8852% | 719 |
| Return on Equity (ROE) | 21.1800% | 274 |
| Retained earnings to average equity (ytd only) | 4.8258% | 2,618 |
| Net charge-offs to loans | 0.1753% | 4,485 |
| Credit loss provision to net charge-offs | 216.2162% | 2,128 |
| Earnings coverage of net charge-offs (x) | 21.1216% | 1,277 |
| Efficiency ratio | 63.0322% | 6,082 |
| Assets per employee ($millions) | 3.4429% | 4,968 |
| Cash dividends to net income (ytd only)* | 77.2155% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 7,391 |
| Loan loss allowance to noncurrent loans | 56.6748% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 5,427 |
| Noncurrent loans to loans | 1.2579% | 4,686 |
| Net loans and leases to total assets | 57.5943% | 6,021 |
| Net loans and leases to deposits | 65.9489% | 6,397 |
| Net loans and leases to core deposits | 72.7776% | 6,853 |
| Total domestic deposits to total assets | 87.3318% | 2,083 |
| Equity capital to assets | 8.9511% | 5,384 |
| Core capital (leverage) ratio | 8.7358% | 5,033 |
| Tier 1 risk-based capital ratio | 15.4467% | 2,834 |
| Total risk-based capital ratio | 16.1781% | 2,995 |
| Memoranda: | ||
| Average total assets | $446,539,000 | 1,587 |
| Average earning assets | $419,575,670 | 1,545 |
| Average equity | $39,745,000 | 1,714 |
| Average total loans | $253,339,330 | 1,929 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 4,158 |
| Cost of funding earning assets | 0.8151% | 7,894 |
| Net interest margin | 4.8173% | 584 |
| Noninterest income to average assets | 1.1730% | 1,062 |
| Noninterest expense to average assets | 3.4833% | 2,149 |
| Loan and lease loss provision to assets | 0.1453% | 5,088 |
| Net operating income to assets | 2.0708% | 308 |
| Return on assets (ROA) | 2.0708% | 350 |
| Pretax return on assets | 2.0708% | 571 |
| Return on Equity (ROE) | 23.3315% | 246 |
| Retained earnings to average equity (ytd only) | 5.6485% | 2,799 |
| Net charge-offs to loans | 0.1391% | 3,846 |
| Credit loss provision to net charge-offs | 186.2069% | 2,351 |
| Earnings coverage of net charge-offs (x) | 28.4023% | 1,103 |
| Efficiency ratio | 61.1172% | 6,236 |
| Assets per employee ($millions) | 3.4416% | 4,969 |
| Cash dividends to net income (ytd only)* | 75.7904% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6585% | 7,552 |
| Loan loss allowance to noncurrent loans | 109.8091% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 6,307 |
| Noncurrent loans to loans | 0.5997% | 5,896 |
| Net loans and leases to total assets | 55.8156% | 6,263 |
| Net loans and leases to deposits | 64.3417% | 6,524 |
| Net loans and leases to core deposits | 70.9359% | 6,963 |
| Total domestic deposits to total assets | 86.7487% | 2,337 |
| Equity capital to assets | 8.8662% | 5,529 |
| Core capital (leverage) ratio | 8.8368% | 4,926 |
| Tier 1 risk-based capital ratio | 15.4196% | 2,887 |
| Total risk-based capital ratio | 16.0844% | 3,069 |
| Memoranda: | ||
| Average total assets | $446,020,000 | 1,592 |
| Average earning assets | $419,075,500 | 1,553 |
| Average equity | $39,586,000 | 1,719 |
| Average total loans | $250,194,000 | 1,964 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2272% | 4,374 |
| Cost of funding earning assets | 1.3905% | 7,748 |
| Net interest margin | 4.8367% | 723 |
| Noninterest income to average assets | 1.1473% | 1,171 |
| Noninterest expense to average assets | 3.6221% | 2,093 |
| Loan and lease loss provision to assets | 0.1248% | 5,770 |
| Net operating income to assets | 1.9159% | 418 |
| Return on assets (ROA) | 1.9159% | 406 |
| Pretax return on assets | 1.9159% | 742 |
| Return on Equity (ROE) | 21.2000% | 293 |
| Retained earnings to average equity (ytd only) | 2.3087% | 3,766 |
| Net charge-offs to loans | 0.1428% | 4,788 |
| Credit loss provision to net charge-offs | 152.7378% | 3,427 |
| Earnings coverage of net charge-offs (x) | 24.9741% | 1,356 |
| Efficiency ratio | 63.9637% | 5,571 |
| Assets per employee ($millions) | 3.5580% | 4,529 |
| Cash dividends to net income (ytd only)* | 89.1101% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 7,563 |
| Loan loss allowance to noncurrent loans | 86.5291% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 5,936 |
| Noncurrent loans to loans | 0.7451% | 5,166 |
| Net loans and leases to total assets | 55.6410% | 6,470 |
| Net loans and leases to deposits | 63.9360% | 6,803 |
| Net loans and leases to core deposits | 70.5913% | 7,156 |
| Total domestic deposits to total assets | 87.0261% | 1,923 |
| Equity capital to assets | 8.8848% | 5,518 |
| Core capital (leverage) ratio | 8.6456% | 5,294 |
| Tier 1 risk-based capital ratio | 15.2799% | 2,927 |
| Total risk-based capital ratio | 15.9183% | 3,140 |
| Memoranda: | ||
| Average total assets | $424,665,000 | 1,601 |
| Average earning assets | $396,472,600 | 1,571 |
| Average equity | $38,377,400 | 1,759 |
| Average total loans | $242,970,600 | 1,947 |