Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 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 | 5.4520% | 685 |
| Cost of funding earning assets | 0.6012% | 4,345 |
| Net interest margin | 4.8508% | 497 |
| Noninterest income to average assets | 0.1769% | 6,134 |
| Noninterest expense to average assets | 2.9742% | 3,366 |
| Loan and lease loss provision to assets | 0.2385% | 2,746 |
| Net operating income to assets | 0.8465% | 3,062 |
| Return on assets (ROA) | 0.8465% | 3,314 |
| Pretax return on assets | 1.3810% | 2,107 |
| Return on Equity (ROE) | 8.3574% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.3604% | 1,395 |
| Net charge-offs to loans | 0.6522% | 1,804 |
| Credit loss provision to net charge-offs | 41.1929% | 4,914 |
| Earnings coverage of net charge-offs (x) | 2.7967% | 4,031 |
| Efficiency ratio | 64.7452% | 4,749 |
| Assets per employee ($millions) | 3.9264% | 4,085 |
| Cash dividends to net income (ytd only)* | 11.9303% | 4,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 3,963 |
| Loan loss allowance to noncurrent loans | 40.1334% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 4.5407% | 909 |
| Noncurrent loans to loans | 3.5999% | 1,369 |
| Net loans and leases to total assets | 86.0803% | 124 |
| Net loans and leases to deposits | 104.4380% | 257 |
| Net loans and leases to core deposits | 112.4441% | 454 |
| Total domestic deposits to total assets | 82.4224% | 4,960 |
| Equity capital to assets | 11.1186% | 2,813 |
| Core capital (leverage) ratio | 11.4103% | 1,932 |
| Tier 1 risk-based capital ratio | 13.9743% | 4,399 |
| Total risk-based capital ratio | 15.2280% | 4,360 |
| Memoranda: | ||
| Average total assets | $495,086,800 | 1,345 |
| Average earning assets | $450,791,800 | 1,349 |
| Average equity | $50,147,000 | 1,417 |
| Average total loans | $439,571,800 | 947 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4640% | 738 |
| Cost of funding earning assets | 0.6053% | 4,590 |
| Net interest margin | 4.8587% | 514 |
| Noninterest income to average assets | 0.2488% | 5,782 |
| Noninterest expense to average assets | 2.9558% | 3,388 |
| Loan and lease loss provision to assets | 0.5365% | 1,102 |
| Net operating income to assets | 0.7364% | 3,749 |
| Return on assets (ROA) | 0.7364% | 4,003 |
| Pretax return on assets | 1.1775% | 3,073 |
| Return on Equity (ROE) | 7.4397% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.0982% | 2,635 |
| Net charge-offs to loans | 0.8901% | 1,226 |
| Credit loss provision to net charge-offs | 67.6264% | 3,963 |
| Earnings coverage of net charge-offs (x) | 2.1607% | 4,181 |
| Efficiency ratio | 63.2962% | 4,928 |
| Assets per employee ($millions) | 3.7368% | 4,457 |
| Cash dividends to net income (ytd only)* | 18.0310% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 3,860 |
| Loan loss allowance to noncurrent loans | 31.2722% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 5.3524% | 807 |
| Noncurrent loans to loans | 4.8613% | 939 |
| Net loans and leases to total assets | 87.5393% | 101 |
| Net loans and leases to deposits | 113.6743% | 115 |
| Net loans and leases to core deposits | 122.8997% | 263 |
| Total domestic deposits to total assets | 77.0089% | 6,231 |
| Equity capital to assets | 10.3229% | 4,053 |
| Core capital (leverage) ratio | 10.6013% | 2,796 |
| Tier 1 risk-based capital ratio | 12.7989% | 5,407 |
| Total risk-based capital ratio | 14.0536% | 5,370 |
| Memoranda: | ||
| Average total assets | $502,049,500 | 1,344 |
| Average earning assets | $456,818,250 | 1,355 |
| Average equity | $49,696,250 | 1,439 |
| Average total loans | $447,441,250 | 927 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5194% | 690 |
| Cost of funding earning assets | 0.6197% | 4,724 |
| Net interest margin | 4.8998% | 473 |
| Noninterest income to average assets | 0.0522% | 6,848 |
| Noninterest expense to average assets | 2.9271% | 3,517 |
| Loan and lease loss provision to assets | 0.0853% | 4,520 |
| Net operating income to assets | 0.9209% | 2,804 |
| Return on assets (ROA) | 0.9209% | 3,075 |
| Pretax return on assets | 1.4851% | 1,894 |
| Return on Equity (ROE) | 9.4339% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.4221% | 1,475 |
| Net charge-offs to loans | 0.4912% | 2,109 |
| Credit loss provision to net charge-offs | 19.4770% | 4,613 |
| Earnings coverage of net charge-offs (x) | 3.5843% | 3,330 |
| Efficiency ratio | 65.0826% | 4,713 |
| Assets per employee ($millions) | 3.5601% | 4,843 |
| Cash dividends to net income (ytd only)* | 10.7250% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 3,985 |
| Loan loss allowance to noncurrent loans | 39.7445% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 4.8556% | 997 |
| Noncurrent loans to loans | 3.7849% | 1,484 |
| Net loans and leases to total assets | 87.2498% | 102 |
| Net loans and leases to deposits | 118.1696% | 81 |
| Net loans and leases to core deposits | 126.0216% | 245 |
| Total domestic deposits to total assets | 73.8344% | 6,692 |
| Equity capital to assets | 10.0284% | 4,289 |
| Core capital (leverage) ratio | 10.2999% | 3,048 |
| Tier 1 risk-based capital ratio | 12.3381% | 5,694 |
| Total risk-based capital ratio | 13.5924% | 5,668 |
| Memoranda: | ||
| Average total assets | $506,227,670 | 1,337 |
| Average earning assets | $459,287,670 | 1,345 |
| Average equity | $49,417,670 | 1,437 |
| Average total loans | $451,544,000 | 918 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 614 |
| Cost of funding earning assets | 0.6451% | 4,774 |
| Net interest margin | 4.9661% | 421 |
| Noninterest income to average assets | -0.3242% | 7,229 |
| Noninterest expense to average assets | 2.7839% | 4,106 |
| Loan and lease loss provision to assets | 0.0252% | 5,035 |
| Net operating income to assets | 0.8663% | 3,067 |
| Return on assets (ROA) | 0.8663% | 3,297 |
| Pretax return on assets | 1.3676% | 2,296 |
| Return on Equity (ROE) | 8.9957% | 2,838 |
| Retained earnings to average equity (ytd only) | 6.9531% | 2,460 |
| Net charge-offs to loans | 0.1890% | 2,970 |
| Credit loss provision to net charge-offs | 14.8837% | 3,841 |
| Earnings coverage of net charge-offs (x) | 8.2326% | 1,984 |
| Efficiency ratio | 66.6541% | 4,437 |
| Assets per employee ($millions) | 3.4459% | 5,249 |
| Cash dividends to net income (ytd only)* | 22.7066% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 3,599 |
| Loan loss allowance to noncurrent loans | 48.8867% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 4.8157% | 1,092 |
| Noncurrent loans to loans | 3.3448% | 1,900 |
| Net loans and leases to total assets | 87.8689% | 74 |
| Net loans and leases to deposits | 118.8767% | 79 |
| Net loans and leases to core deposits | 128.1706% | 214 |
| Total domestic deposits to total assets | 73.9160% | 6,756 |
| Equity capital to assets | 9.6950% | 4,527 |
| Core capital (leverage) ratio | 9.9641% | 3,401 |
| Tier 1 risk-based capital ratio | 11.8229% | 6,067 |
| Total risk-based capital ratio | 13.0789% | 6,049 |
| Memoranda: | ||
| Average total assets | $508,353,500 | 1,339 |
| Average earning assets | $460,727,000 | 1,347 |
| Average equity | $48,956,500 | 1,442 |
| Average total loans | $454,985,000 | 907 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6958% | 786 |
| Cost of funding earning assets | 0.8003% | 4,870 |
| Net interest margin | 4.8956% | 514 |
| Noninterest income to average assets | 0.4338% | 4,342 |
| Noninterest expense to average assets | 3.2343% | 2,750 |
| Loan and lease loss provision to assets | 1.1099% | 815 |
| Net operating income to assets | 0.3549% | 5,048 |
| Return on assets (ROA) | 0.3549% | 5,218 |
| Pretax return on assets | 0.5465% | 4,852 |
| Return on Equity (ROE) | 3.7947% | 4,951 |
| Retained earnings to average equity (ytd only) | 1.8503% | 4,898 |
| Net charge-offs to loans | 0.8778% | 1,982 |
| Credit loss provision to net charge-offs | 139.2411% | 2,122 |
| Earnings coverage of net charge-offs (x) | 2.0780% | 4,221 |
| Efficiency ratio | 66.1317% | 4,749 |
| Assets per employee ($millions) | 3.4705% | 5,099 |
| Cash dividends to net income (ytd only)* | 51.2406% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 3,348 |
| Loan loss allowance to noncurrent loans | 90.6168% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 4.1224% | 1,386 |
| Noncurrent loans to loans | 1.8287% | 3,434 |
| Net loans and leases to total assets | 88.1866% | 73 |
| Net loans and leases to deposits | 123.2085% | 75 |
| Net loans and leases to core deposits | 130.9699% | 229 |
| Total domestic deposits to total assets | 71.5751% | 6,897 |
| Equity capital to assets | 9.5662% | 4,785 |
| Core capital (leverage) ratio | 9.7035% | 3,741 |
| Tier 1 risk-based capital ratio | 11.5717% | 6,119 |
| Total risk-based capital ratio | 12.8272% | 6,100 |
| Memoranda: | ||
| Average total assets | $522,407,200 | 1,281 |
| Average earning assets | $475,593,600 | 1,287 |
| Average equity | $48,857,600 | 1,396 |
| Average total loans | $474,354,600 | 880 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7265% | 810 |
| Cost of funding earning assets | 0.8362% | 4,889 |
| Net interest margin | 4.8903% | 522 |
| Noninterest income to average assets | 0.3989% | 4,678 |
| Noninterest expense to average assets | 3.2207% | 2,766 |
| Loan and lease loss provision to assets | 0.6980% | 1,387 |
| Net operating income to assets | 0.5973% | 4,096 |
| Return on assets (ROA) | 0.5973% | 4,281 |
| Pretax return on assets | 0.9378% | 3,628 |
| Return on Equity (ROE) | 6.4222% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.5124% | 3,510 |
| Net charge-offs to loans | 0.8572% | 1,853 |
| Credit loss provision to net charge-offs | 89.4053% | 3,790 |
| Earnings coverage of net charge-offs (x) | 2.0952% | 4,096 |
| Efficiency ratio | 66.3166% | 4,660 |
| Assets per employee ($millions) | 3.3806% | 5,297 |
| Cash dividends to net income (ytd only)* | 29.7366% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 5,436 |
| Loan loss allowance to noncurrent loans | 45.2067% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 4.4787% | 1,342 |
| Noncurrent loans to loans | 2.6674% | 2,615 |
| Net loans and leases to total assets | 89.0383% | 53 |
| Net loans and leases to deposits | 124.1152% | 71 |
| Net loans and leases to core deposits | 132.2672% | 220 |
| Total domestic deposits to total assets | 71.7384% | 6,951 |
| Equity capital to assets | 9.5805% | 4,958 |
| Core capital (leverage) ratio | 9.7158% | 3,821 |
| Tier 1 risk-based capital ratio | 11.5405% | 6,220 |
| Total risk-based capital ratio | 12.7816% | 6,215 |
| Memoranda: | ||
| Average total assets | $525,469,250 | 1,275 |
| Average earning assets | $478,976,250 | 1,278 |
| Average equity | $48,871,250 | 1,401 |
| Average total loans | $478,575,000 | 889 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7572% | 783 |
| Cost of funding earning assets | 0.8726% | 4,882 |
| Net interest margin | 4.8847% | 505 |
| Noninterest income to average assets | 0.3586% | 5,019 |
| Noninterest expense to average assets | 3.2434% | 2,749 |
| Loan and lease loss provision to assets | 0.6164% | 1,550 |
| Net operating income to assets | 0.6096% | 4,015 |
| Return on assets (ROA) | 0.6096% | 4,145 |
| Pretax return on assets | 0.9583% | 3,396 |
| Return on Equity (ROE) | 6.6195% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.9749% | 3,023 |
| Net charge-offs to loans | 0.7934% | 1,917 |
| Credit loss provision to net charge-offs | 85.0131% | 3,618 |
| Earnings coverage of net charge-offs (x) | 2.1718% | 3,758 |
| Efficiency ratio | 67.3163% | 4,644 |
| Assets per employee ($millions) | 3.4944% | 4,955 |
| Cash dividends to net income (ytd only)* | 24.8447% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 5,620 |
| Loan loss allowance to noncurrent loans | 48.4797% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 3.9570% | 1,627 |
| Noncurrent loans to loans | 2.4399% | 2,945 |
| Net loans and leases to total assets | 90.2084% | 39 |
| Net loans and leases to deposits | 126.7495% | 68 |
| Net loans and leases to core deposits | 135.2874% | 219 |
| Total domestic deposits to total assets | 71.1706% | 7,053 |
| Equity capital to assets | 9.3690% | 5,042 |
| Core capital (leverage) ratio | 9.5031% | 3,955 |
| Tier 1 risk-based capital ratio | 11.2742% | 6,337 |
| Total risk-based capital ratio | 12.5242% | 6,336 |
| Memoranda: | ||
| Average total assets | $528,216,000 | 1,268 |
| Average earning assets | $482,244,330 | 1,273 |
| Average equity | $48,644,000 | 1,389 |
| Average total loans | $482,715,670 | 895 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6852% | 907 |
| Cost of funding earning assets | 0.9118% | 4,839 |
| Net interest margin | 4.7735% | 602 |
| Noninterest income to average assets | 0.3877% | 4,812 |
| Noninterest expense to average assets | 2.7844% | 4,511 |
| Loan and lease loss provision to assets | 0.6955% | 1,213 |
| Net operating income to assets | 0.8019% | 3,024 |
| Return on assets (ROA) | 0.8019% | 3,092 |
| Pretax return on assets | 1.2681% | 2,139 |
| Return on Equity (ROE) | 8.7830% | 2,567 |
| Retained earnings to average equity (ytd only) | 7.1305% | 2,087 |
| Net charge-offs to loans | 0.8943% | 1,480 |
| Credit loss provision to net charge-offs | 85.0554% | 3,039 |
| Earnings coverage of net charge-offs (x) | 2.4013% | 3,121 |
| Efficiency ratio | 58.6432% | 6,184 |
| Assets per employee ($millions) | 3.5157% | 4,958 |
| Cash dividends to net income (ytd only)* | 18.8147% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,661 |
| Loan loss allowance to noncurrent loans | 93.6690% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 3.0968% | 2,227 |
| Noncurrent loans to loans | 1.2758% | 4,567 |
| Net loans and leases to total assets | 90.0971% | 40 |
| Net loans and leases to deposits | 125.5230% | 70 |
| Net loans and leases to core deposits | 134.7874% | 232 |
| Total domestic deposits to total assets | 71.7773% | 7,087 |
| Equity capital to assets | 9.1854% | 4,893 |
| Core capital (leverage) ratio | 9.3183% | 4,101 |
| Tier 1 risk-based capital ratio | 11.0370% | 6,484 |
| Total risk-based capital ratio | 12.2870% | 6,468 |
| Memoranda: | ||
| Average total assets | $530,242,500 | 1,277 |
| Average earning assets | $484,343,000 | 1,275 |
| Average equity | $48,411,500 | 1,381 |
| Average total loans | $484,824,000 | 902 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 1,701 |
| Cost of funding earning assets | 1.2459% | 4,240 |
| Net interest margin | 4.4180% | 1,420 |
| Noninterest income to average assets | 0.5413% | 3,877 |
| Noninterest expense to average assets | 2.8724% | 4,343 |
| Loan and lease loss provision to assets | 1.4592% | 1,022 |
| Net operating income to assets | 0.2621% | 5,065 |
| Return on assets (ROA) | 0.2762% | 5,180 |
| Pretax return on assets | 0.2856% | 5,270 |
| Return on Equity (ROE) | 3.1092% | 4,911 |
| Retained earnings to average equity (ytd only) | 0.9535% | 5,078 |
| Net charge-offs to loans | 1.0703% | 2,072 |
| Credit loss provision to net charge-offs | 148.3430% | 2,457 |
| Earnings coverage of net charge-offs (x) | 1.7590% | 4,399 |
| Efficiency ratio | 62.4080% | 5,659 |
| Assets per employee ($millions) | 3.5074% | 4,919 |
| Cash dividends to net income (ytd only)* | 69.3333% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 5,391 |
| Loan loss allowance to noncurrent loans | 32.2892% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 5.0106% | 1,273 |
| Noncurrent loans to loans | 3.7937% | 1,949 |
| Net loans and leases to total assets | 90.5595% | 47 |
| Net loans and leases to deposits | 123.2290% | 101 |
| Net loans and leases to core deposits | 133.5842% | 292 |
| Total domestic deposits to total assets | 73.4888% | 6,949 |
| Equity capital to assets | 9.0746% | 5,032 |
| Core capital (leverage) ratio | 9.1819% | 4,202 |
| Tier 1 risk-based capital ratio | 10.6858% | 6,582 |
| Total risk-based capital ratio | 11.9358% | 6,551 |
| Memoranda: | ||
| Average total assets | $542,986,800 | 1,237 |
| Average earning assets | $499,159,000 | 1,233 |
| Average equity | $48,244,600 | 1,390 |
| Average total loans | $499,034,600 | 897 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6938% | 1,737 |
| Cost of funding earning assets | 1.2775% | 4,383 |
| Net interest margin | 4.4163% | 1,480 |
| Noninterest income to average assets | 0.5398% | 3,863 |
| Noninterest expense to average assets | 2.7629% | 4,629 |
| Loan and lease loss provision to assets | 1.5002% | 887 |
| Net operating income to assets | 0.3377% | 5,019 |
| Return on assets (ROA) | 0.3568% | 5,122 |
| Pretax return on assets | 0.3617% | 5,342 |
| Return on Equity (ROE) | 4.0366% | 4,761 |
| Retained earnings to average equity (ytd only) | 1.1651% | 5,350 |
| Net charge-offs to loans | 1.3206% | 1,543 |
| Credit loss provision to net charge-offs | 123.5330% | 3,316 |
| Earnings coverage of net charge-offs (x) | 1.5173% | 4,588 |
| Efficiency ratio | 59.9915% | 5,956 |
| Assets per employee ($millions) | 3.6997% | 4,511 |
| Cash dividends to net income (ytd only)* | 71.1355% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 6,699 |
| Loan loss allowance to noncurrent loans | 37.8591% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 3.4879% | 2,046 |
| Noncurrent loans to loans | 2.4133% | 3,219 |
| Net loans and leases to total assets | 91.0317% | 40 |
| Net loans and leases to deposits | 126.2898% | 88 |
| Net loans and leases to core deposits | 138.1278% | 279 |
| Total domestic deposits to total assets | 72.0816% | 7,123 |
| Equity capital to assets | 8.8905% | 5,715 |
| Core capital (leverage) ratio | 8.9961% | 4,700 |
| Tier 1 risk-based capital ratio | 10.4565% | 6,803 |
| Total risk-based capital ratio | 11.4302% | 6,947 |
| Memoranda: | ||
| Average total assets | $546,328,250 | 1,238 |
| Average earning assets | $502,939,500 | 1,234 |
| Average equity | $48,290,500 | 1,395 |
| Average total loans | $502,400,750 | 895 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7707% | 1,509 |
| Cost of funding earning assets | 1.3148% | 4,444 |
| Net interest margin | 4.4559% | 1,303 |
| Noninterest income to average assets | 0.5186% | 3,966 |
| Noninterest expense to average assets | 2.7360% | 4,757 |
| Loan and lease loss provision to assets | 1.0854% | 1,323 |
| Net operating income to assets | 0.6852% | 3,465 |
| Return on assets (ROA) | 0.7097% | 3,518 |
| Pretax return on assets | 0.8370% | 3,752 |
| Return on Equity (ROE) | 8.0447% | 2,868 |
| Retained earnings to average equity (ytd only) | 5.5643% | 2,576 |
| Net charge-offs to loans | 0.9325% | 1,972 |
| Credit loss provision to net charge-offs | 126.5306% | 3,186 |
| Earnings coverage of net charge-offs (x) | 2.2075% | 3,906 |
| Efficiency ratio | 59.0988% | 6,200 |
| Assets per employee ($millions) | 3.6930% | 4,493 |
| Cash dividends to net income (ytd only)* | 30.8325% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,836 |
| Loan loss allowance to noncurrent loans | 35.3467% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 2.9496% | 2,426 |
| Noncurrent loans to loans | 2.4758% | 3,171 |
| Net loans and leases to total assets | 90.5852% | 54 |
| Net loans and leases to deposits | 125.6609% | 89 |
| Net loans and leases to core deposits | 137.5239% | 311 |
| Total domestic deposits to total assets | 72.0870% | 7,176 |
| Equity capital to assets | 8.8361% | 5,696 |
| Core capital (leverage) ratio | 8.9391% | 4,698 |
| Tier 1 risk-based capital ratio | 10.5736% | 6,629 |
| Total risk-based capital ratio | 11.5177% | 6,844 |
| Memoranda: | ||
| Average total assets | $548,384,330 | 1,239 |
| Average earning assets | $505,931,000 | 1,228 |
| Average equity | $48,379,670 | 1,388 |
| Average total loans | $504,450,670 | 901 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7474% | 1,623 |
| Cost of funding earning assets | 1.3575% | 4,435 |
| Net interest margin | 4.3899% | 1,418 |
| Noninterest income to average assets | 0.4743% | 4,256 |
| Noninterest expense to average assets | 2.7918% | 4,510 |
| Loan and lease loss provision to assets | 1.2698% | 958 |
| Net operating income to assets | 0.6364% | 3,724 |
| Return on assets (ROA) | 0.6943% | 3,578 |
| Pretax return on assets | 0.5249% | 4,876 |
| Return on Equity (ROE) | 7.8759% | 2,947 |
| Retained earnings to average equity (ytd only) | 5.7967% | 2,716 |
| Net charge-offs to loans | 1.2527% | 1,359 |
| Credit loss provision to net charge-offs | 109.8288% | 3,137 |
| Earnings coverage of net charge-offs (x) | 1.5022% | 3,835 |
| Efficiency ratio | 61.6480% | 5,893 |
| Assets per employee ($millions) | 3.7865% | 4,347 |
| Cash dividends to net income (ytd only)* | 26.3992% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 7,074 |
| Loan loss allowance to noncurrent loans | 28.5910% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 3.2045% | 2,241 |
| Noncurrent loans to loans | 2.8766% | 2,803 |
| Net loans and leases to total assets | 91.4558% | 42 |
| Net loans and leases to deposits | 125.0775% | 99 |
| Net loans and leases to core deposits | 145.3298% | 276 |
| Total domestic deposits to total assets | 73.1193% | 7,149 |
| Equity capital to assets | 8.7969% | 5,559 |
| Core capital (leverage) ratio | 8.9009% | 4,727 |
| Tier 1 risk-based capital ratio | 10.3648% | 6,745 |
| Total risk-based capital ratio | 11.2463% | 7,022 |
| Memoranda: | ||
| Average total assets | $545,603,500 | 1,281 |
| Average earning assets | $503,881,500 | 1,266 |
| Average equity | $48,096,000 | 1,398 |
| Average total loans | $503,564,500 | 929 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7515% | 2,859 |
| Cost of funding earning assets | 1.8401% | 3,784 |
| Net interest margin | 3.9113% | 3,222 |
| Noninterest income to average assets | 0.6010% | 3,627 |
| Noninterest expense to average assets | 2.6328% | 5,659 |
| Loan and lease loss provision to assets | 0.9341% | 2,413 |
| Net operating income to assets | 0.4150% | 4,069 |
| Return on assets (ROA) | 0.4222% | 4,144 |
| Pretax return on assets | 0.6674% | 3,691 |
| Return on Equity (ROE) | 4.7459% | 3,779 |
| Retained earnings to average equity (ytd only) | 2.0880% | 3,643 |
| Net charge-offs to loans | 0.7772% | 2,881 |
| Credit loss provision to net charge-offs | 129.5043% | 3,957 |
| Earnings coverage of net charge-offs (x) | 2.2046% | 4,071 |
| Efficiency ratio | 62.3455% | 6,090 |
| Assets per employee ($millions) | 3.7135% | 4,489 |
| Cash dividends to net income (ytd only)* | 56.0036% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 7,029 |
| Loan loss allowance to noncurrent loans | 31.9264% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 2.8414% | 2,470 |
| Noncurrent loans to loans | 2.6160% | 2,942 |
| Net loans and leases to total assets | 91.6052% | 47 |
| Net loans and leases to deposits | 122.6693% | 141 |
| Net loans and leases to core deposits | 166.2413% | 269 |
| Total domestic deposits to total assets | 74.6766% | 6,919 |
| Equity capital to assets | 8.8338% | 5,376 |
| Core capital (leverage) ratio | 8.6088% | 5,084 |
| Tier 1 risk-based capital ratio | 10.0271% | 6,851 |
| Total risk-based capital ratio | 10.9275% | 7,089 |
| Memoranda: | ||
| Average total assets | $528,640,400 | 1,302 |
| Average earning assets | $489,527,800 | 1,290 |
| Average equity | $47,030,200 | 1,430 |
| Average total loans | $490,620,600 | 985 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7749% | 3,005 |
| Cost of funding earning assets | 1.9489% | 3,625 |
| Net interest margin | 3.8260% | 3,548 |
| Noninterest income to average assets | 0.5996% | 3,709 |
| Noninterest expense to average assets | 2.6894% | 5,373 |
| Loan and lease loss provision to assets | 0.9065% | 2,120 |
| Net operating income to assets | 0.3474% | 4,610 |
| Return on assets (ROA) | 0.3526% | 4,682 |
| Pretax return on assets | 0.5584% | 4,340 |
| Return on Equity (ROE) | 3.9560% | 4,388 |
| Retained earnings to average equity (ytd only) | 1.1079% | 4,702 |
| Net charge-offs to loans | 0.7166% | 2,559 |
| Credit loss provision to net charge-offs | 136.1418% | 3,645 |
| Earnings coverage of net charge-offs (x) | 2.1880% | 4,182 |
| Efficiency ratio | 64.8647% | 5,575 |
| Assets per employee ($millions) | 3.7397% | 4,337 |
| Cash dividends to net income (ytd only)* | 71.9944% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 7,031 |
| Loan loss allowance to noncurrent loans | 32.4816% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 2.8141% | 2,466 |
| Noncurrent loans to loans | 2.5514% | 2,962 |
| Net loans and leases to total assets | 92.2867% | 49 |
| Net loans and leases to deposits | 127.8911% | 121 |
| Net loans and leases to core deposits | 159.2152% | 395 |
| Total domestic deposits to total assets | 72.1604% | 7,190 |
| Equity capital to assets | 8.7229% | 5,921 |
| Core capital (leverage) ratio | 8.3579% | 5,738 |
| Tier 1 risk-based capital ratio | 9.6606% | 7,269 |
| Total risk-based capital ratio | 10.5552% | 7,480 |
| Memoranda: | ||
| Average total assets | $525,258,000 | 1,322 |
| Average earning assets | $486,899,500 | 1,311 |
| Average equity | $46,814,250 | 1,462 |
| Average total loans | $488,066,000 | 1,005 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 3,282 |
| Cost of funding earning assets | 2.1155% | 3,200 |
| Net interest margin | 3.6371% | 4,221 |
| Noninterest income to average assets | 0.6074% | 3,634 |
| Noninterest expense to average assets | 2.7179% | 5,312 |
| Loan and lease loss provision to assets | 1.1240% | 1,526 |
| Net operating income to assets | 0.0866% | 5,601 |
| Return on assets (ROA) | 0.0866% | 5,699 |
| Pretax return on assets | 0.1366% | 5,591 |
| Return on Equity (ROE) | 0.9646% | 5,643 |
| Retained earnings to average equity (ytd only) | -1.1789% | 5,528 |
| Net charge-offs to loans | 0.8841% | 1,929 |
| Credit loss provision to net charge-offs | 136.8964% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.5354% | 4,387 |
| Efficiency ratio | 68.3146% | 5,101 |
| Assets per employee ($millions) | 3.7044% | 4,313 |
| Cash dividends to net income (ytd only)* | 222.2222% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 7,016 |
| Loan loss allowance to noncurrent loans | 31.8799% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 2.9027% | 2,200 |
| Noncurrent loans to loans | 2.6359% | 2,746 |
| Net loans and leases to total assets | 91.8687% | 63 |
| Net loans and leases to deposits | 131.1076% | 113 |
| Net loans and leases to core deposits | 161.8304% | 424 |
| Total domestic deposits to total assets | 70.0712% | 7,467 |
| Equity capital to assets | 8.7428% | 5,698 |
| Core capital (leverage) ratio | 8.3199% | 5,759 |
| Tier 1 risk-based capital ratio | 9.6228% | 7,298 |
| Total risk-based capital ratio | 10.5270% | 7,543 |
| Memoranda: | ||
| Average total assets | $519,590,670 | 1,365 |
| Average earning assets | $481,598,670 | 1,340 |
| Average equity | $46,652,000 | 1,480 |
| Average total loans | $482,549,330 | 1,041 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7862% | 3,371 |
| Cost of funding earning assets | 2.2348% | 2,985 |
| Net interest margin | 3.5514% | 4,521 |
| Noninterest income to average assets | 0.5813% | 3,675 |
| Noninterest expense to average assets | 2.4936% | 5,864 |
| Loan and lease loss provision to assets | 2.0590% | 582 |
| Net operating income to assets | -0.4018% | 6,785 |
| Return on assets (ROA) | -0.4018% | 6,857 |
| Pretax return on assets | -0.6733% | 6,954 |
| Return on Equity (ROE) | -4.4150% | 6,928 |
| Retained earnings to average equity (ytd only) | -4.4150% | 6,476 |
| Net charge-offs to loans | 1.6387% | 882 |
| Credit loss provision to net charge-offs | 135.1254% | 3,000 |
| Earnings coverage of net charge-offs (x) | 0.9094% | 4,312 |
| Efficiency ratio | 64.2800% | 5,638 |
| Assets per employee ($millions) | 3.6311% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 7,002 |
| Loan loss allowance to noncurrent loans | 53.5554% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.7175% | 3,345 |
| Noncurrent loans to loans | 1.5730% | 3,921 |
| Net loans and leases to total assets | 92.5005% | 55 |
| Net loans and leases to deposits | 129.0242% | 151 |
| Net loans and leases to core deposits | 160.2523% | 486 |
| Total domestic deposits to total assets | 71.6923% | 7,252 |
| Equity capital to assets | 8.9993% | 5,348 |
| Core capital (leverage) ratio | 8.8308% | 4,937 |
| Tier 1 risk-based capital ratio | 10.2596% | 6,633 |
| Total risk-based capital ratio | 11.1738% | 6,903 |
| Memoranda: | ||
| Average total assets | $512,669,500 | 1,386 |
| Average earning assets | $476,095,000 | 1,362 |
| Average equity | $46,659,500 | 1,481 |
| Average total loans | $476,718,500 | 1,059 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4613% | 3,154 |
| Cost of funding earning assets | 2.9495% | 2,058 |
| Net interest margin | 3.5118% | 5,257 |
| Noninterest income to average assets | 0.6042% | 3,817 |
| Noninterest expense to average assets | 2.5878% | 5,696 |
| Loan and lease loss provision to assets | 2.6764% | 372 |
| Net operating income to assets | -0.8223% | 7,148 |
| Return on assets (ROA) | -0.8223% | 7,056 |
| Pretax return on assets | -1.3887% | 7,211 |
| Return on Equity (ROE) | -10.7362% | 7,326 |
| Retained earnings to average equity (ytd only) | -10.7362% | 7,139 |
| Net charge-offs to loans | 0.2256% | 3,981 |
| Credit loss provision to net charge-offs | 1,310.3042% | 343 |
| Earnings coverage of net charge-offs (x) | 6.3042% | 3,390 |
| Efficiency ratio | 66.7736% | 4,954 |
| Assets per employee ($millions) | 3.5645% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 7,211 |
| Loan loss allowance to noncurrent loans | 106.4279% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 4,531 |
| Noncurrent loans to loans | 0.7212% | 5,229 |
| Net loans and leases to total assets | 91.9738% | 83 |
| Net loans and leases to deposits | 130.2270% | 208 |
| Net loans and leases to core deposits | 160.2609% | 572 |
| Total domestic deposits to total assets | 70.6258% | 7,212 |
| Equity capital to assets | 9.2045% | 5,073 |
| Core capital (leverage) ratio | 9.2660% | 4,347 |
| Tier 1 risk-based capital ratio | 10.7600% | 5,950 |
| Total risk-based capital ratio | 11.5852% | 6,257 |
| Memoranda: | ||
| Average total assets | $498,870,800 | 1,354 |
| Average earning assets | $464,723,400 | 1,342 |
| Average equity | $38,207,200 | 1,766 |
| Average total loans | $451,713,600 | 1,065 |