Home > Community Bank CBD > Performance and Condition Ratios
Community Bank CBD, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,304 |
| Cost of funding earning assets | 0.3954% | 3,739 |
| Net interest margin | 4.3075% | 1,045 |
| Noninterest income to average assets | 0.6030% | 2,840 |
| Noninterest expense to average assets | 3.5499% | 1,390 |
| Loan and lease loss provision to assets | 0.1501% | 1,750 |
| Net operating income to assets | 0.4625% | 4,954 |
| Return on assets (ROA) | 0.4625% | 5,049 |
| Pretax return on assets | 0.6223% | 4,864 |
| Return on Equity (ROE) | 3.5730% | 5,271 |
| Retained earnings to average equity (ytd only) | 0.7782% | 5,420 |
| Net charge-offs to loans | 0.1909% | 2,139 |
| Credit loss provision to net charge-offs | 115.2416% | 2,073 |
| Earnings coverage of net charge-offs (x) | 5.9294% | 3,315 |
| Efficiency ratio | 82.1289% | 1,648 |
| Assets per employee ($millions) | 4.1496% | 3,636 |
| Cash dividends to net income (ytd only)* | 78.2199% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 2,603 |
| Loan loss allowance to noncurrent loans | 210.0712% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8406% | 3,108 |
| Noncurrent loans to loans | 0.7003% | 3,582 |
| Net loans and leases to total assets | 66.6627% | 2,776 |
| Net loans and leases to deposits | 83.2489% | 2,306 |
| Net loans and leases to core deposits | 94.5213% | 1,861 |
| Total domestic deposits to total assets | 80.0763% | 4,996 |
| Equity capital to assets | 12.7621% | 1,494 |
| Core capital (leverage) ratio | 12.1019% | 1,561 |
| Tier 1 risk-based capital ratio | 16.9233% | 2,539 |
| Total risk-based capital ratio | 18.1751% | 2,493 |
| Memoranda: | ||
| Average total assets | $206,484,600 | 2,918 |
| Average earning assets | $178,294,000 | 3,067 |
| Average equity | $26,728,400 | 2,511 |
| Average total loans | $140,906,000 | 2,701 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 1,353 |
| Cost of funding earning assets | 0.3880% | 3,924 |
| Net interest margin | 4.2922% | 1,071 |
| Noninterest income to average assets | 0.5961% | 2,904 |
| Noninterest expense to average assets | 3.0088% | 2,778 |
| Loan and lease loss provision to assets | 0.2004% | 1,186 |
| Net operating income to assets | 0.7732% | 3,549 |
| Return on assets (ROA) | 0.7732% | 3,661 |
| Pretax return on assets | 1.1340% | 3,052 |
| Return on Equity (ROE) | 5.9522% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.2455% | 2,923 |
| Net charge-offs to loans | 0.0633% | 3,303 |
| Credit loss provision to net charge-offs | 462.6866% | 616 |
| Earnings coverage of net charge-offs (x) | 30.8063% | 1,347 |
| Efficiency ratio | 69.2766% | 3,629 |
| Assets per employee ($millions) | 4.3339% | 3,245 |
| Cash dividends to net income (ytd only)* | 11.8730% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 2,330 |
| Loan loss allowance to noncurrent loans | 142.5786% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 3,006 |
| Noncurrent loans to loans | 1.1153% | 2,833 |
| Net loans and leases to total assets | 67.4411% | 2,620 |
| Net loans and leases to deposits | 84.0875% | 2,135 |
| Net loans and leases to core deposits | 96.9759% | 1,594 |
| Total domestic deposits to total assets | 80.2034% | 5,048 |
| Equity capital to assets | 13.1272% | 1,368 |
| Core capital (leverage) ratio | 12.7491% | 1,283 |
| Tier 1 risk-based capital ratio | 17.9528% | 2,225 |
| Total risk-based capital ratio | 19.2062% | 2,186 |
| Memoranda: | ||
| Average total assets | $206,235,250 | 2,943 |
| Average earning assets | $180,044,000 | 3,062 |
| Average equity | $26,790,750 | 2,511 |
| Average total loans | $141,038,000 | 2,714 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 1,422 |
| Cost of funding earning assets | 0.3818% | 4,083 |
| Net interest margin | 4.2598% | 1,110 |
| Noninterest income to average assets | 0.5680% | 3,000 |
| Noninterest expense to average assets | 3.0267% | 2,737 |
| Loan and lease loss provision to assets | 0.2431% | 915 |
| Net operating income to assets | 0.7304% | 3,676 |
| Return on assets (ROA) | 0.7304% | 3,771 |
| Pretax return on assets | 1.0640% | 3,232 |
| Return on Equity (ROE) | 5.6427% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.9515% | 2,989 |
| Net charge-offs to loans | 0.0840% | 2,847 |
| Credit loss provision to net charge-offs | 423.7288% | 663 |
| Earnings coverage of net charge-offs (x) | 22.7797% | 1,495 |
| Efficiency ratio | 69.8384% | 3,683 |
| Assets per employee ($millions) | 4.2028% | 3,453 |
| Cash dividends to net income (ytd only)* | 12.2503% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 2,636 |
| Loan loss allowance to noncurrent loans | 168.5693% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 3,402 |
| Noncurrent loans to loans | 0.9242% | 3,409 |
| Net loans and leases to total assets | 67.9604% | 2,418 |
| Net loans and leases to deposits | 83.7237% | 2,058 |
| Net loans and leases to core deposits | 95.3664% | 1,656 |
| Total domestic deposits to total assets | 81.1723% | 4,927 |
| Equity capital to assets | 13.1060% | 1,318 |
| Core capital (leverage) ratio | 12.8374% | 1,220 |
| Tier 1 risk-based capital ratio | 18.0040% | 2,241 |
| Total risk-based capital ratio | 19.2576% | 2,210 |
| Memoranda: | ||
| Average total assets | $205,638,330 | 2,967 |
| Average earning assets | $181,790,670 | 3,057 |
| Average equity | $26,618,330 | 2,510 |
| Average total loans | $140,530,000 | 2,720 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 1,439 |
| Cost of funding earning assets | 0.3730% | 4,278 |
| Net interest margin | 4.2518% | 1,093 |
| Noninterest income to average assets | 0.7183% | 2,091 |
| Noninterest expense to average assets | 3.0639% | 2,642 |
| Loan and lease loss provision to assets | 0.2920% | 672 |
| Net operating income to assets | 0.7864% | 3,221 |
| Return on assets (ROA) | 0.7864% | 3,300 |
| Pretax return on assets | 1.1563% | 2,672 |
| Return on Equity (ROE) | 6.1137% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.3268% | 2,903 |
| Net charge-offs to loans | 0.0888% | 2,276 |
| Credit loss provision to net charge-offs | 483.8710% | 560 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,196 |
| Efficiency ratio | 67.9034% | 4,200 |
| Assets per employee ($millions) | 4.2964% | 3,347 |
| Cash dividends to net income (ytd only)* | 12.8713% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 2,851 |
| Loan loss allowance to noncurrent loans | 164.7194% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1303% | 2,987 |
| Noncurrent loans to loans | 0.9509% | 3,510 |
| Net loans and leases to total assets | 65.3009% | 2,675 |
| Net loans and leases to deposits | 80.3858% | 2,243 |
| Net loans and leases to core deposits | 92.2870% | 1,702 |
| Total domestic deposits to total assets | 81.2343% | 5,170 |
| Equity capital to assets | 12.9096% | 1,348 |
| Core capital (leverage) ratio | 12.3434% | 1,455 |
| Tier 1 risk-based capital ratio | 18.1378% | 2,235 |
| Total risk-based capital ratio | 19.3912% | 2,208 |
| Memoranda: | ||
| Average total assets | $205,489,500 | 2,993 |
| Average earning assets | $183,357,500 | 3,057 |
| Average equity | $26,432,500 | 2,518 |
| Average total loans | $139,710,000 | 2,745 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 869 |
| Cost of funding earning assets | 0.6796% | 1,962 |
| Net interest margin | 4.3502% | 1,003 |
| Noninterest income to average assets | 0.5846% | 3,187 |
| Noninterest expense to average assets | 2.8850% | 3,417 |
| Loan and lease loss provision to assets | 0.7773% | 279 |
| Net operating income to assets | 0.5036% | 4,718 |
| Return on assets (ROA) | 0.5036% | 4,849 |
| Pretax return on assets | 0.6887% | 4,585 |
| Return on Equity (ROE) | 4.0951% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.0417% | 4,063 |
| Net charge-offs to loans | 3.0114% | 84 |
| Credit loss provision to net charge-offs | 37.1873% | 4,095 |
| Earnings coverage of net charge-offs (x) | 0.7014% | 4,853 |
| Efficiency ratio | 66.3058% | 4,509 |
| Assets per employee ($millions) | 4.1786% | 3,490 |
| Cash dividends to net income (ytd only)* | 25.7250% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 3,551 |
| Loan loss allowance to noncurrent loans | 167.5497% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.4071% | 2,635 |
| Noncurrent loans to loans | 0.8471% | 3,862 |
| Net loans and leases to total assets | 68.6611% | 2,229 |
| Net loans and leases to deposits | 84.6989% | 1,835 |
| Net loans and leases to core deposits | 99.4581% | 1,198 |
| Total domestic deposits to total assets | 81.0649% | 5,155 |
| Equity capital to assets | 12.8165% | 1,358 |
| Core capital (leverage) ratio | 12.0834% | 1,545 |
| Tier 1 risk-based capital ratio | 17.2311% | 2,515 |
| Total risk-based capital ratio | 18.4825% | 2,490 |
| Memoranda: | ||
| Average total assets | $212,270,200 | 2,891 |
| Average earning assets | $183,783,400 | 3,030 |
| Average equity | $26,104,200 | 2,532 |
| Average total loans | $147,339,000 | 2,595 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 827 |
| Cost of funding earning assets | 0.7080% | 1,901 |
| Net interest margin | 4.3560% | 975 |
| Noninterest income to average assets | 0.5877% | 3,232 |
| Noninterest expense to average assets | 2.9362% | 3,184 |
| Loan and lease loss provision to assets | 0.7783% | 256 |
| Net operating income to assets | 0.4589% | 4,983 |
| Return on assets (ROA) | 0.4589% | 5,129 |
| Pretax return on assets | 0.6158% | 4,966 |
| Return on Equity (ROE) | 3.7693% | 5,320 |
| Retained earnings to average equity (ytd only) | 2.6441% | 4,742 |
| Net charge-offs to loans | 3.8701% | 45 |
| Credit loss provision to net charge-offs | 28.9956% | 3,914 |
| Earnings coverage of net charge-offs (x) | 0.5194% | 4,691 |
| Efficiency ratio | 67.8073% | 4,129 |
| Assets per employee ($millions) | 4.3994% | 3,052 |
| Cash dividends to net income (ytd only)* | 29.8512% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 4,548 |
| Loan loss allowance to noncurrent loans | 204.2007% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1919% | 3,271 |
| Noncurrent loans to loans | 0.6212% | 4,652 |
| Net loans and leases to total assets | 64.5027% | 2,920 |
| Net loans and leases to deposits | 81.3866% | 2,214 |
| Net loans and leases to core deposits | 94.1041% | 1,564 |
| Total domestic deposits to total assets | 79.2547% | 5,686 |
| Equity capital to assets | 12.3142% | 1,699 |
| Core capital (leverage) ratio | 11.8581% | 1,766 |
| Tier 1 risk-based capital ratio | 16.7682% | 2,828 |
| Total risk-based capital ratio | 17.9649% | 2,805 |
| Memoranda: | ||
| Average total assets | $214,149,750 | 2,899 |
| Average earning assets | $183,985,000 | 3,054 |
| Average equity | $26,069,750 | 2,576 |
| Average total loans | $148,521,500 | 2,594 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 840 |
| Cost of funding earning assets | 0.7544% | 1,674 |
| Net interest margin | 4.2978% | 1,039 |
| Noninterest income to average assets | 0.5606% | 3,437 |
| Noninterest expense to average assets | 2.9283% | 3,245 |
| Loan and lease loss provision to assets | 0.5578% | 470 |
| Net operating income to assets | 0.5587% | 4,508 |
| Return on assets (ROA) | 0.5587% | 4,679 |
| Pretax return on assets | 0.7818% | 4,383 |
| Return on Equity (ROE) | 4.6068% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.6870% | 3,962 |
| Net charge-offs to loans | 1.7942% | 262 |
| Credit loss provision to net charge-offs | 43.9883% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.0565% | 4,180 |
| Efficiency ratio | 68.6125% | 4,081 |
| Assets per employee ($millions) | 4.1200% | 3,533 |
| Cash dividends to net income (ytd only)* | 19.9667% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6964% | 794 |
| Loan loss allowance to noncurrent loans | 218.6386% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 2,975 |
| Noncurrent loans to loans | 1.2333% | 3,490 |
| Net loans and leases to total assets | 70.8929% | 1,734 |
| Net loans and leases to deposits | 89.2818% | 1,208 |
| Net loans and leases to core deposits | 104.3523% | 828 |
| Total domestic deposits to total assets | 79.4035% | 5,735 |
| Equity capital to assets | 12.7019% | 1,469 |
| Core capital (leverage) ratio | 11.5616% | 1,885 |
| Tier 1 risk-based capital ratio | 15.9221% | 3,243 |
| Total risk-based capital ratio | 17.1901% | 3,173 |
| Memoranda: | ||
| Average total assets | $215,142,670 | 2,902 |
| Average earning assets | $185,581,670 | 3,039 |
| Average equity | $26,091,670 | 2,577 |
| Average total loans | $152,041,670 | 2,541 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0564% | 811 |
| Cost of funding earning assets | 0.8109% | 1,470 |
| Net interest margin | 4.2455% | 1,082 |
| Noninterest income to average assets | 0.6153% | 3,050 |
| Noninterest expense to average assets | 2.9238% | 3,254 |
| Loan and lease loss provision to assets | 0.5462% | 485 |
| Net operating income to assets | 0.5371% | 4,510 |
| Return on assets (ROA) | 0.5371% | 4,653 |
| Pretax return on assets | 0.7482% | 4,380 |
| Return on Equity (ROE) | 4.5290% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.9916% | 3,838 |
| Net charge-offs to loans | 2.8572% | 127 |
| Credit loss provision to net charge-offs | 27.4474% | 2,924 |
| Earnings coverage of net charge-offs (x) | 0.6505% | 3,609 |
| Efficiency ratio | 69.3138% | 4,092 |
| Assets per employee ($millions) | 4.3247% | 3,291 |
| Cash dividends to net income (ytd only)* | 11.8644% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6908% | 921 |
| Loan loss allowance to noncurrent loans | 173.4139% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.6727% | 2,778 |
| Noncurrent loans to loans | 1.5517% | 3,218 |
| Net loans and leases to total assets | 67.1962% | 2,158 |
| Net loans and leases to deposits | 83.7641% | 1,624 |
| Net loans and leases to core deposits | 101.8891% | 830 |
| Total domestic deposits to total assets | 80.2208% | 5,705 |
| Equity capital to assets | 12.0992% | 1,975 |
| Core capital (leverage) ratio | 10.8570% | 2,393 |
| Tier 1 risk-based capital ratio | 15.6075% | 3,469 |
| Total risk-based capital ratio | 16.8744% | 3,427 |
| Memoranda: | ||
| Average total assets | $219,713,500 | 2,873 |
| Average earning assets | $186,456,000 | 3,066 |
| Average equity | $26,054,500 | 2,614 |
| Average total loans | $153,019,000 | 2,537 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0777% | 1,357 |
| Cost of funding earning assets | 0.9946% | 1,385 |
| Net interest margin | 4.0831% | 2,074 |
| Noninterest income to average assets | 0.5325% | 3,694 |
| Noninterest expense to average assets | 2.4900% | 5,132 |
| Loan and lease loss provision to assets | 1.5842% | 190 |
| Net operating income to assets | 0.1358% | 5,926 |
| Return on assets (ROA) | 0.1358% | 6,082 |
| Pretax return on assets | 0.0898% | 6,174 |
| Return on Equity (ROE) | 1.1943% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.9845% | 5,385 |
| Net charge-offs to loans | 0.8353% | 1,387 |
| Credit loss provision to net charge-offs | 274.0240% | 881 |
| Earnings coverage of net charge-offs (x) | 2.8956% | 3,980 |
| Efficiency ratio | 59.7978% | 5,572 |
| Assets per employee ($millions) | 4.6498% | 2,701 |
| Cash dividends to net income (ytd only)* | 17.5719% | 3,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0699% | 623 |
| Loan loss allowance to noncurrent loans | 129.8165% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 2.0767% | 2,363 |
| Noncurrent loans to loans | 2.3648% | 2,273 |
| Net loans and leases to total assets | 68.0613% | 2,170 |
| Net loans and leases to deposits | 86.5364% | 1,438 |
| Net loans and leases to core deposits | 106.1389% | 683 |
| Total domestic deposits to total assets | 78.6505% | 5,962 |
| Equity capital to assets | 11.6251% | 2,329 |
| Core capital (leverage) ratio | 10.9357% | 2,309 |
| Tier 1 risk-based capital ratio | 15.5519% | 3,394 |
| Total risk-based capital ratio | 16.8246% | 3,345 |
| Memoranda: | ||
| Average total assets | $230,403,400 | 2,720 |
| Average earning assets | $204,915,400 | 2,804 |
| Average equity | $26,207,000 | 2,547 |
| Average total loans | $159,468,800 | 2,441 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 1,393 |
| Cost of funding earning assets | 0.9989% | 1,563 |
| Net interest margin | 4.1177% | 2,025 |
| Noninterest income to average assets | 0.4771% | 4,084 |
| Noninterest expense to average assets | 2.4805% | 5,141 |
| Loan and lease loss provision to assets | 1.0335% | 386 |
| Net operating income to assets | 0.4863% | 4,895 |
| Return on assets (ROA) | 0.4863% | 5,158 |
| Pretax return on assets | 0.6672% | 4,962 |
| Return on Equity (ROE) | 4.2985% | 5,151 |
| Retained earnings to average equity (ytd only) | 4.2985% | 3,860 |
| Net charge-offs to loans | 0.9615% | 1,112 |
| Credit loss provision to net charge-offs | 155.8442% | 1,805 |
| Earnings coverage of net charge-offs (x) | 2.5645% | 4,014 |
| Efficiency ratio | 59.3244% | 5,607 |
| Assets per employee ($millions) | 4.5436% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 2,090 |
| Loan loss allowance to noncurrent loans | 201.0250% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 4,048 |
| Noncurrent loans to loans | 1.0089% | 4,434 |
| Net loans and leases to total assets | 68.0862% | 2,282 |
| Net loans and leases to deposits | 88.5214% | 1,292 |
| Net loans and leases to core deposits | 107.4583% | 673 |
| Total domestic deposits to total assets | 76.9149% | 6,246 |
| Equity capital to assets | 11.9859% | 2,270 |
| Core capital (leverage) ratio | 11.1692% | 2,234 |
| Tier 1 risk-based capital ratio | 15.9675% | 3,282 |
| Total risk-based capital ratio | 17.2267% | 3,247 |
| Memoranda: | ||
| Average total assets | $232,206,750 | 2,728 |
| Average earning assets | $208,881,250 | 2,777 |
| Average equity | $26,272,250 | 2,560 |
| Average total loans | $160,156,750 | 2,453 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1187% | 1,459 |
| Cost of funding earning assets | 1.0094% | 1,712 |
| Net interest margin | 4.1093% | 2,051 |
| Noninterest income to average assets | 0.4112% | 4,572 |
| Noninterest expense to average assets | 2.4461% | 5,308 |
| Loan and lease loss provision to assets | 0.8496% | 576 |
| Net operating income to assets | 0.5760% | 4,467 |
| Return on assets (ROA) | 0.5760% | 4,739 |
| Pretax return on assets | 0.8165% | 4,416 |
| Return on Equity (ROE) | 5.1885% | 4,715 |
| Retained earnings to average equity (ytd only) | 5.1885% | 3,162 |
| Net charge-offs to loans | 1.2719% | 846 |
| Credit loss provision to net charge-offs | 97.0874% | 2,857 |
| Earnings coverage of net charge-offs (x) | 1.9039% | 4,024 |
| Efficiency ratio | 59.4835% | 5,664 |
| Assets per employee ($millions) | 4.6976% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 3,837 |
| Loan loss allowance to noncurrent loans | 134.7374% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 3,977 |
| Noncurrent loans to loans | 1.1412% | 4,247 |
| Net loans and leases to total assets | 69.9494% | 1,931 |
| Net loans and leases to deposits | 89.8574% | 1,159 |
| Net loans and leases to core deposits | 108.9676% | 618 |
| Total domestic deposits to total assets | 77.8449% | 6,183 |
| Equity capital to assets | 11.7242% | 2,389 |
| Core capital (leverage) ratio | 10.9051% | 2,386 |
| Tier 1 risk-based capital ratio | 15.3774% | 3,521 |
| Total risk-based capital ratio | 16.6307% | 3,477 |
| Memoranda: | ||
| Average total assets | $235,396,670 | 2,706 |
| Average earning assets | $212,009,000 | 2,736 |
| Average equity | $26,134,670 | 2,558 |
| Average total loans | $161,968,000 | 2,440 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0436% | 1,742 |
| Cost of funding earning assets | 1.0444% | 1,715 |
| Net interest margin | 3.9992% | 2,513 |
| Noninterest income to average assets | 0.5309% | 3,690 |
| Noninterest expense to average assets | 2.4797% | 5,215 |
| Loan and lease loss provision to assets | 0.8321% | 571 |
| Net operating income to assets | 0.5675% | 4,503 |
| Return on assets (ROA) | 0.5675% | 4,729 |
| Pretax return on assets | 0.8005% | 4,411 |
| Return on Equity (ROE) | 5.2494% | 4,667 |
| Retained earnings to average equity (ytd only) | 5.2494% | 3,402 |
| Net charge-offs to loans | 1.2846% | 796 |
| Credit loss provision to net charge-offs | 95.6023% | 2,446 |
| Earnings coverage of net charge-offs (x) | 1.8757% | 3,399 |
| Efficiency ratio | 60.2995% | 5,577 |
| Assets per employee ($millions) | 4.9175% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 4,025 |
| Loan loss allowance to noncurrent loans | 155.0534% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 4,083 |
| Noncurrent loans to loans | 0.9870% | 4,699 |
| Net loans and leases to total assets | 67.3307% | 2,228 |
| Net loans and leases to deposits | 88.1727% | 1,144 |
| Net loans and leases to core deposits | 108.5901% | 586 |
| Total domestic deposits to total assets | 76.3623% | 6,505 |
| Equity capital to assets | 11.0762% | 2,823 |
| Core capital (leverage) ratio | 10.2065% | 3,096 |
| Tier 1 risk-based capital ratio | 14.4921% | 4,114 |
| Total risk-based capital ratio | 15.7450% | 4,073 |
| Memoranda: | ||
| Average total assets | $240,353,500 | 2,665 |
| Average earning assets | $215,243,500 | 2,705 |
| Average equity | $25,984,000 | 2,574 |
| Average total loans | $162,858,500 | 2,435 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2865% | 1,746 |
| Cost of funding earning assets | 1.3363% | 1,313 |
| Net interest margin | 3.9501% | 3,101 |
| Noninterest income to average assets | -0.2862% | 7,195 |
| Noninterest expense to average assets | 2.4912% | 5,493 |
| Loan and lease loss provision to assets | 0.7583% | 1,322 |
| Net operating income to assets | 0.0886% | 5,889 |
| Return on assets (ROA) | 0.0886% | 6,004 |
| Pretax return on assets | 0.0085% | 6,114 |
| Return on Equity (ROE) | 0.8228% | 6,000 |
| Retained earnings to average equity (ytd only) | -3.4307% | 6,320 |
| Net charge-offs to loans | 2.1019% | 643 |
| Credit loss provision to net charge-offs | 51.5193% | 5,393 |
| Earnings coverage of net charge-offs (x) | 0.5210% | 5,437 |
| Efficiency ratio | 76.4133% | 2,831 |
| Assets per employee ($millions) | 5.2057% | 1,941 |
| Cash dividends to net income (ytd only)* | 516.9725% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 3,948 |
| Loan loss allowance to noncurrent loans | 124.4633% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.5797% | 3,573 |
| Noncurrent loans to loans | 1.2190% | 4,329 |
| Net loans and leases to total assets | 66.1416% | 2,759 |
| Net loans and leases to deposits | 82.9453% | 2,075 |
| Net loans and leases to core deposits | 98.7226% | 1,285 |
| Total domestic deposits to total assets | 79.7412% | 5,807 |
| Equity capital to assets | 10.5547% | 3,468 |
| Core capital (leverage) ratio | 10.1698% | 3,136 |
| Tier 1 risk-based capital ratio | 13.9193% | 4,380 |
| Total risk-based capital ratio | 15.1718% | 4,341 |
| Memoranda: | ||
| Average total assets | $245,940,800 | 2,572 |
| Average earning assets | $220,676,000 | 2,600 |
| Average equity | $26,496,400 | 2,435 |
| Average total loans | $172,228,800 | 2,352 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 1,695 |
| Cost of funding earning assets | 1.3938% | 1,257 |
| Net interest margin | 3.9522% | 3,145 |
| Noninterest income to average assets | 0.4645% | 4,174 |
| Noninterest expense to average assets | 2.6703% | 4,840 |
| Loan and lease loss provision to assets | 0.7932% | 1,177 |
| Net operating income to assets | 0.4229% | 4,893 |
| Return on assets (ROA) | 0.4229% | 5,082 |
| Pretax return on assets | 0.5582% | 4,941 |
| Return on Equity (ROE) | 3.9052% | 5,034 |
| Retained earnings to average equity (ytd only) | 0.8800% | 5,652 |
| Net charge-offs to loans | 1.3516% | 1,123 |
| Credit loss provision to net charge-offs | 82.9558% | 4,037 |
| Earnings coverage of net charge-offs (x) | 1.4134% | 4,570 |
| Efficiency ratio | 66.3436% | 4,651 |
| Assets per employee ($millions) | 5.1775% | 1,958 |
| Cash dividends to net income (ytd only)* | 77.4649% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3150% | 1,663 |
| Loan loss allowance to noncurrent loans | 112.1387% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 3.4804% | 1,814 |
| Noncurrent loans to loans | 2.0644% | 3,284 |
| Net loans and leases to total assets | 68.7434% | 2,321 |
| Net loans and leases to deposits | 89.4485% | 1,273 |
| Net loans and leases to core deposits | 107.6899% | 781 |
| Total domestic deposits to total assets | 76.8525% | 6,398 |
| Equity capital to assets | 11.3157% | 2,848 |
| Core capital (leverage) ratio | 10.7289% | 2,638 |
| Tier 1 risk-based capital ratio | 14.6805% | 3,844 |
| Total risk-based capital ratio | 15.9425% | 3,820 |
| Memoranda: | ||
| Average total assets | $246,258,750 | 2,572 |
| Average earning assets | $221,644,000 | 2,608 |
| Average equity | $26,664,500 | 2,429 |
| Average total loans | $174,205,750 | 2,337 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3065% | 1,865 |
| Cost of funding earning assets | 1.4409% | 1,225 |
| Net interest margin | 3.8656% | 3,464 |
| Noninterest income to average assets | 0.4338% | 4,401 |
| Noninterest expense to average assets | 2.7459% | 4,642 |
| Loan and lease loss provision to assets | 0.4820% | 2,049 |
| Net operating income to assets | 0.4997% | 4,500 |
| Return on assets (ROA) | 0.4997% | 4,642 |
| Pretax return on assets | 0.6845% | 4,444 |
| Return on Equity (ROE) | 4.6821% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.7464% | 5,123 |
| Net charge-offs to loans | 0.9387% | 1,660 |
| Credit loss provision to net charge-offs | 72.4638% | 4,005 |
| Earnings coverage of net charge-offs (x) | 1.7536% | 3,988 |
| Efficiency ratio | 70.1027% | 4,100 |
| Assets per employee ($millions) | 4.9215% | 2,232 |
| Cash dividends to net income (ytd only)* | 62.7010% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2904% | 1,761 |
| Loan loss allowance to noncurrent loans | 109.5014% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 3.1818% | 2,111 |
| Noncurrent loans to loans | 2.0916% | 3,359 |
| Net loans and leases to total assets | 69.9310% | 2,233 |
| Net loans and leases to deposits | 90.4207% | 1,225 |
| Net loans and leases to core deposits | 109.9362% | 722 |
| Total domestic deposits to total assets | 77.3396% | 6,406 |
| Equity capital to assets | 11.1220% | 2,844 |
| Core capital (leverage) ratio | 10.5741% | 2,642 |
| Tier 1 risk-based capital ratio | 14.2632% | 3,968 |
| Total risk-based capital ratio | 15.5247% | 3,936 |
| Memoranda: | ||
| Average total assets | $248,957,000 | 2,564 |
| Average earning assets | $224,026,330 | 2,595 |
| Average equity | $26,569,330 | 2,416 |
| Average total loans | $176,407,000 | 2,330 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 1,933 |
| Cost of funding earning assets | 1.5106% | 1,122 |
| Net interest margin | 3.7694% | 3,760 |
| Noninterest income to average assets | 0.3449% | 5,155 |
| Noninterest expense to average assets | 2.6877% | 4,888 |
| Loan and lease loss provision to assets | 0.4746% | 1,852 |
| Net operating income to assets | 0.4414% | 4,762 |
| Return on assets (ROA) | 0.4414% | 4,843 |
| Pretax return on assets | 0.5774% | 4,776 |
| Return on Equity (ROE) | 4.2203% | 4,786 |
| Retained earnings to average equity (ytd only) | 1.9513% | 4,954 |
| Net charge-offs to loans | 0.2131% | 3,239 |
| Credit loss provision to net charge-offs | 315.7895% | 1,025 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,018 |
| Efficiency ratio | 71.7005% | 3,927 |
| Assets per employee ($millions) | 5.5153% | 1,564 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5159% | 1,438 |
| Loan loss allowance to noncurrent loans | 228.6757% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 2.3819% | 2,859 |
| Noncurrent loans to loans | 1.1002% | 4,858 |
| Net loans and leases to total assets | 66.9857% | 2,759 |
| Net loans and leases to deposits | 87.1736% | 1,568 |
| Net loans and leases to core deposits | 106.8239% | 902 |
| Total domestic deposits to total assets | 76.8417% | 6,558 |
| Equity capital to assets | 10.4611% | 3,225 |
| Core capital (leverage) ratio | 10.0067% | 3,137 |
| Tier 1 risk-based capital ratio | 13.7954% | 4,216 |
| Total risk-based capital ratio | 15.0589% | 4,188 |
| Memoranda: | ||
| Average total assets | $252,859,500 | 2,540 |
| Average earning assets | $227,726,500 | 2,571 |
| Average equity | $26,443,500 | 2,419 |
| Average total loans | $178,314,000 | 2,332 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 2,478 |
| Cost of funding earning assets | 1.8235% | 1,083 |
| Net interest margin | 3.6259% | 4,697 |
| Noninterest income to average assets | 0.4979% | 4,189 |
| Noninterest expense to average assets | 2.4270% | 6,021 |
| Loan and lease loss provision to assets | 0.6916% | 2,380 |
| Net operating income to assets | 0.3979% | 4,546 |
| Return on assets (ROA) | 0.3979% | 4,690 |
| Pretax return on assets | 0.6304% | 4,228 |
| Return on Equity (ROE) | 4.1493% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.4524% | 4,160 |
| Net charge-offs to loans | 0.5842% | 3,286 |
| Credit loss provision to net charge-offs | 163.4615% | 2,122 |
| Earnings coverage of net charge-offs (x) | 3.1245% | 3,511 |
| Efficiency ratio | 64.5825% | 5,245 |
| Assets per employee ($millions) | 5.3621% | 1,705 |
| Cash dividends to net income (ytd only)* | 40.8958% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 1,703 |
| Loan loss allowance to noncurrent loans | 192.8506% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 2.7006% | 2,582 |
| Noncurrent loans to loans | 1.1893% | 4,728 |
| Net loans and leases to total assets | 70.6766% | 2,376 |
| Net loans and leases to deposits | 89.6868% | 1,571 |
| Net loans and leases to core deposits | 123.0625% | 446 |
| Total domestic deposits to total assets | 78.8038% | 6,134 |
| Equity capital to assets | 10.4545% | 3,205 |
| Core capital (leverage) ratio | 10.0754% | 2,996 |
| Tier 1 risk-based capital ratio | 13.3749% | 4,313 |
| Total risk-based capital ratio | 14.6364% | 4,257 |
| Memoranda: | ||
| Average total assets | $258,098,000 | 2,469 |
| Average earning assets | $231,420,000 | 2,512 |
| Average equity | $24,751,200 | 2,578 |
| Average total loans | $186,909,600 | 2,277 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 2,648 |
| Cost of funding earning assets | 1.8642% | 1,154 |
| Net interest margin | 3.5852% | 4,945 |
| Noninterest income to average assets | 0.4699% | 4,417 |
| Noninterest expense to average assets | 2.4363% | 5,925 |
| Loan and lease loss provision to assets | 0.7113% | 2,147 |
| Net operating income to assets | 0.4098% | 4,710 |
| Return on assets (ROA) | 0.4098% | 4,885 |
| Pretax return on assets | 0.5351% | 4,812 |
| Return on Equity (ROE) | 4.3691% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.1372% | 4,240 |
| Net charge-offs to loans | 0.6792% | 2,726 |
| Credit loss provision to net charge-offs | 144.5720% | 2,721 |
| Earnings coverage of net charge-offs (x) | 2.5334% | 3,898 |
| Efficiency ratio | 65.9880% | 4,858 |
| Assets per employee ($millions) | 5.6575% | 1,496 |
| Cash dividends to net income (ytd only)* | 28.1953% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 1,915 |
| Loan loss allowance to noncurrent loans | 169.4072% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 3.1423% | 2,291 |
| Noncurrent loans to loans | 1.2605% | 4,747 |
| Net loans and leases to total assets | 70.4744% | 2,616 |
| Net loans and leases to deposits | 89.9808% | 1,719 |
| Net loans and leases to core deposits | 127.4462% | 425 |
| Total domestic deposits to total assets | 78.3215% | 6,191 |
| Equity capital to assets | 10.4290% | 3,600 |
| Core capital (leverage) ratio | 10.0968% | 3,152 |
| Tier 1 risk-based capital ratio | 13.3324% | 4,332 |
| Total risk-based capital ratio | 14.5923% | 4,283 |
| Memoranda: | ||
| Average total assets | $259,618,250 | 2,497 |
| Average earning assets | $232,656,500 | 2,535 |
| Average equity | $24,352,250 | 2,666 |
| Average total loans | $188,062,500 | 2,304 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 2,855 |
| Cost of funding earning assets | 1.8849% | 1,286 |
| Net interest margin | 3.5432% | 5,075 |
| Noninterest income to average assets | 0.4110% | 4,823 |
| Noninterest expense to average assets | 2.4072% | 6,048 |
| Loan and lease loss provision to assets | 0.5052% | 2,780 |
| Net operating income to assets | 0.4929% | 4,360 |
| Return on assets (ROA) | 0.4929% | 4,519 |
| Pretax return on assets | 0.6812% | 4,305 |
| Return on Equity (ROE) | 5.4532% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.5479% | 3,844 |
| Net charge-offs to loans | 0.5484% | 2,884 |
| Credit loss provision to net charge-offs | 126.9231% | 3,172 |
| Earnings coverage of net charge-offs (x) | 2.9808% | 3,509 |
| Efficiency ratio | 66.8158% | 4,814 |
| Assets per employee ($millions) | 5.3444% | 1,762 |
| Cash dividends to net income (ytd only)* | 34.9379% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 2,329 |
| Loan loss allowance to noncurrent loans | 126.4993% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 2.3883% | 3,016 |
| Noncurrent loans to loans | 1.5305% | 4,421 |
| Net loans and leases to total assets | 73.1576% | 2,122 |
| Net loans and leases to deposits | 92.5510% | 1,447 |
| Net loans and leases to core deposits | 131.1080% | 401 |
| Total domestic deposits to total assets | 79.0457% | 6,026 |
| Equity capital to assets | 10.4596% | 3,467 |
| Core capital (leverage) ratio | 10.0100% | 3,153 |
| Tier 1 risk-based capital ratio | 13.0327% | 4,414 |
| Total risk-based capital ratio | 14.2904% | 4,359 |
| Memoranda: | ||
| Average total assets | $261,294,670 | 2,492 |
| Average earning assets | $234,706,330 | 2,544 |
| Average equity | $23,619,330 | 2,733 |
| Average total loans | $189,638,330 | 2,316 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 3,408 |
| Cost of funding earning assets | 1.8889% | 1,498 |
| Net interest margin | 3.4390% | 5,432 |
| Noninterest income to average assets | 0.3995% | 4,923 |
| Noninterest expense to average assets | 2.3818% | 6,154 |
| Loan and lease loss provision to assets | 0.5406% | 2,340 |
| Net operating income to assets | 0.4175% | 4,764 |
| Return on assets (ROA) | 0.4175% | 4,906 |
| Pretax return on assets | 0.5557% | 4,765 |
| Return on Equity (ROE) | 4.9882% | 4,370 |
| Retained earnings to average equity (ytd only) | 0.9510% | 5,434 |
| Net charge-offs to loans | 0.1027% | 4,392 |
| Credit loss provision to net charge-offs | 734.6939% | 620 |
| Earnings coverage of net charge-offs (x) | 14.8980% | 1,404 |
| Efficiency ratio | 68.3074% | 4,658 |
| Assets per employee ($millions) | 5.7695% | 1,431 |
| Cash dividends to net income (ytd only)* | 80.9353% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 2,183 |
| Loan loss allowance to noncurrent loans | 99.5024% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 2.6534% | 2,744 |
| Noncurrent loans to loans | 2.0124% | 3,778 |
| Net loans and leases to total assets | 70.0571% | 2,923 |
| Net loans and leases to deposits | 88.1388% | 2,198 |
| Net loans and leases to core deposits | 122.3774% | 697 |
| Total domestic deposits to total assets | 79.4849% | 5,959 |
| Equity capital to assets | 8.4169% | 6,136 |
| Core capital (leverage) ratio | 8.1711% | 5,959 |
| Tier 1 risk-based capital ratio | 10.4112% | 6,710 |
| Total risk-based capital ratio | 11.6684% | 6,701 |
| Memoranda: | ||
| Average total assets | $266,349,500 | 2,507 |
| Average earning assets | $238,444,000 | 2,549 |
| Average equity | $22,292,500 | 2,909 |
| Average total loans | $190,763,000 | 2,361 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5678% | 3,765 |
| Cost of funding earning assets | 2.1940% | 2,067 |
| Net interest margin | 3.3738% | 5,476 |
| Noninterest income to average assets | 0.5081% | 4,354 |
| Noninterest expense to average assets | 2.3035% | 6,738 |
| Loan and lease loss provision to assets | 1.0668% | 2,147 |
| Net operating income to assets | 0.2171% | 4,844 |
| Return on assets (ROA) | 0.2171% | 4,904 |
| Pretax return on assets | 0.2167% | 4,966 |
| Return on Equity (ROE) | 2.5807% | 4,670 |
| Retained earnings to average equity (ytd only) | 0.2367% | 4,769 |
| Net charge-offs to loans | 1.0815% | 2,256 |
| Credit loss provision to net charge-offs | 127.9743% | 4,039 |
| Earnings coverage of net charge-offs (x) | 1.5397% | 4,597 |
| Efficiency ratio | 64.0585% | 5,767 |
| Assets per employee ($millions) | 5.9401% | 1,287 |
| Cash dividends to net income (ytd only)* | 90.8289% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,484 |
| Loan loss allowance to noncurrent loans | 76.1074% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 2.5413% | 2,754 |
| Noncurrent loans to loans | 2.3895% | 3,174 |
| Net loans and leases to total assets | 70.4483% | 3,147 |
| Net loans and leases to deposits | 86.4792% | 2,827 |
| Net loans and leases to core deposits | 115.4100% | 2,376 |
| Total domestic deposits to total assets | 81.4627% | 5,169 |
| Equity capital to assets | 8.3227% | 6,167 |
| Core capital (leverage) ratio | 8.1174% | 5,961 |
| Tier 1 risk-based capital ratio | 10.5114% | 6,387 |
| Total risk-based capital ratio | 11.7670% | 6,356 |
| Memoranda: | ||
| Average total assets | $261,165,600 | 2,502 |
| Average earning assets | $238,335,600 | 2,518 |
| Average equity | $21,970,400 | 2,944 |
| Average total loans | $201,288,200 | 2,284 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5679% | 4,052 |
| Cost of funding earning assets | 2.2331% | 2,264 |
| Net interest margin | 3.3348% | 5,512 |
| Noninterest income to average assets | 0.5074% | 4,424 |
| Noninterest expense to average assets | 2.2919% | 6,729 |
| Loan and lease loss provision to assets | 0.6989% | 2,640 |
| Net operating income to assets | 0.4355% | 4,254 |
| Return on assets (ROA) | 0.4355% | 4,356 |
| Pretax return on assets | 0.5757% | 4,278 |
| Return on Equity (ROE) | 5.1624% | 3,898 |
| Retained earnings to average equity (ytd only) | 5.1624% | 2,396 |
| Net charge-offs to loans | 0.5250% | 3,110 |
| Credit loss provision to net charge-offs | 169.7007% | 2,749 |
| Earnings coverage of net charge-offs (x) | 3.0948% | 3,687 |
| Efficiency ratio | 64.0893% | 5,732 |
| Assets per employee ($millions) | 5.6531% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 2,505 |
| Loan loss allowance to noncurrent loans | 53.5931% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.7001% | 2,577 |
| Noncurrent loans to loans | 3.2351% | 2,340 |
| Net loans and leases to total assets | 73.3376% | 2,703 |
| Net loans and leases to deposits | 92.7073% | 2,115 |
| Net loans and leases to core deposits | 126.1622% | 1,717 |
| Total domestic deposits to total assets | 79.1066% | 5,763 |
| Equity capital to assets | 8.5884% | 6,127 |
| Core capital (leverage) ratio | 8.3927% | 5,673 |
| Tier 1 risk-based capital ratio | 10.6505% | 6,298 |
| Total risk-based capital ratio | 11.9013% | 6,277 |
| Memoranda: | ||
| Average total assets | $259,631,000 | 2,531 |
| Average earning assets | $238,170,500 | 2,541 |
| Average equity | $21,901,250 | 2,985 |
| Average total loans | $203,660,500 | 2,287 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6036% | 4,056 |
| Cost of funding earning assets | 2.2859% | 2,410 |
| Net interest margin | 3.3177% | 5,484 |
| Noninterest income to average assets | 0.5031% | 4,415 |
| Noninterest expense to average assets | 2.2918% | 6,777 |
| Loan and lease loss provision to assets | 0.5287% | 2,908 |
| Net operating income to assets | 0.5310% | 3,979 |
| Return on assets (ROA) | 0.5310% | 4,087 |
| Pretax return on assets | 0.7306% | 3,896 |
| Return on Equity (ROE) | 6.3347% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.3347% | 1,869 |
| Net charge-offs to loans | 0.4342% | 3,070 |
| Credit loss provision to net charge-offs | 152.6906% | 3,012 |
| Earnings coverage of net charge-offs (x) | 3.6368% | 3,363 |
| Efficiency ratio | 64.3638% | 5,835 |
| Assets per employee ($millions) | 5.6826% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,128 |
| Loan loss allowance to noncurrent loans | 39.4277% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 3.2494% | 1,921 |
| Noncurrent loans to loans | 3.8330% | 1,776 |
| Net loans and leases to total assets | 77.6358% | 1,831 |
| Net loans and leases to deposits | 96.7086% | 1,698 |
| Net loans and leases to core deposits | 133.1007% | 1,364 |
| Total domestic deposits to total assets | 80.2781% | 5,360 |
| Equity capital to assets | 8.6618% | 5,803 |
| Core capital (leverage) ratio | 8.6163% | 5,235 |
| Tier 1 risk-based capital ratio | 10.4397% | 6,435 |
| Total risk-based capital ratio | 11.6879% | 6,384 |
| Memoranda: | ||
| Average total assets | $257,609,330 | 2,562 |
| Average earning assets | $236,668,000 | 2,556 |
| Average equity | $21,595,330 | 3,022 |
| Average total loans | $205,449,670 | 2,287 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6619% | 3,983 |
| Cost of funding earning assets | 2.3748% | 2,394 |
| Net interest margin | 3.2870% | 5,537 |
| Noninterest income to average assets | 0.4959% | 4,357 |
| Noninterest expense to average assets | 2.3198% | 6,469 |
| Loan and lease loss provision to assets | 0.4708% | 2,594 |
| Net operating income to assets | 0.5318% | 4,287 |
| Return on assets (ROA) | 0.5318% | 4,475 |
| Pretax return on assets | 0.7321% | 4,314 |
| Return on Equity (ROE) | 6.4541% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.4541% | 2,438 |
| Net charge-offs to loans | 0.3432% | 2,713 |
| Credit loss provision to net charge-offs | 171.0227% | 2,507 |
| Earnings coverage of net charge-offs (x) | 4.3693% | 2,902 |
| Efficiency ratio | 65.6750% | 5,390 |
| Assets per employee ($millions) | 5.8175% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 3,205 |
| Loan loss allowance to noncurrent loans | 63.2421% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.1901% | 2,608 |
| Noncurrent loans to loans | 2.3008% | 2,857 |
| Net loans and leases to total assets | 79.4823% | 1,481 |
| Net loans and leases to deposits | 100.0241% | 1,405 |
| Net loans and leases to core deposits | 143.1013% | 965 |
| Total domestic deposits to total assets | 79.4631% | 5,557 |
| Equity capital to assets | 8.7698% | 5,666 |
| Core capital (leverage) ratio | 8.4998% | 5,537 |
| Tier 1 risk-based capital ratio | 10.2397% | 6,661 |
| Total risk-based capital ratio | 11.4916% | 6,581 |
| Memoranda: | ||
| Average total assets | $255,714,000 | 2,585 |
| Average earning assets | $235,470,000 | 2,579 |
| Average equity | $21,072,000 | 3,110 |
| Average total loans | $205,147,500 | 2,313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2049% | 4,490 |
| Cost of funding earning assets | 2.9422% | 2,085 |
| Net interest margin | 3.2627% | 6,173 |
| Noninterest income to average assets | 0.4647% | 4,922 |
| Noninterest expense to average assets | 2.0397% | 7,371 |
| Loan and lease loss provision to assets | 0.2867% | 4,089 |
| Net operating income to assets | 0.8172% | 3,359 |
| Return on assets (ROA) | 0.8172% | 3,201 |
| Pretax return on assets | 1.1604% | 2,805 |
| Return on Equity (ROE) | 10.5509% | 2,070 |
| Retained earnings to average equity (ytd only) | 7.8090% | 899 |
| Net charge-offs to loans | 0.0437% | 6,161 |
| Credit loss provision to net charge-offs | 823.1707% | 533 |
| Earnings coverage of net charge-offs (x) | 41.5488% | 886 |
| Efficiency ratio | 58.3140% | 6,642 |
| Assets per employee ($millions) | 5.6769% | 1,332 |
| Cash dividends to net income (ytd only)* | 25.9875% | 4,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 3,123 |
| Loan loss allowance to noncurrent loans | 109.5093% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 4,029 |
| Noncurrent loans to loans | 1.2897% | 3,934 |
| Net loans and leases to total assets | 78.6670% | 1,965 |
| Net loans and leases to deposits | 95.9589% | 2,459 |
| Net loans and leases to core deposits | 133.8310% | 1,605 |
| Total domestic deposits to total assets | 81.9799% | 4,209 |
| Equity capital to assets | 7.7100% | 7,189 |
| Core capital (leverage) ratio | 7.9547% | 6,565 |
| Tier 1 risk-based capital ratio | 9.2335% | 7,584 |
| Total risk-based capital ratio | 10.4852% | 7,529 |
| Memoranda: | ||
| Average total assets | $235,429,400 | 2,699 |
| Average earning assets | $218,070,200 | 2,677 |
| Average equity | $18,235,400 | 3,515 |
| Average total loans | $187,663,600 | 2,424 |