Home > Community Bank Corporation > Performance and Condition Ratios
Community Bank Corporation, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 4,123 |
| Cost of funding earning assets | 0.2332% | 5,064 |
| Net interest margin | 3.5558% | 3,319 |
| Noninterest income to average assets | 0.2945% | 4,836 |
| Noninterest expense to average assets | 2.4623% | 4,303 |
| Loan and lease loss provision to assets | 0.0912% | 2,344 |
| Net operating income to assets | 1.1047% | 1,986 |
| Return on assets (ROA) | 1.1047% | 2,065 |
| Pretax return on assets | 1.1061% | 3,196 |
| Return on Equity (ROE) | 10.5477% | 1,884 |
| Retained earnings to average equity (ytd only) | -3.5415% | 5,967 |
| Net charge-offs to loans | 0.1651% | 1,500 |
| Credit loss provision to net charge-offs | 88.8889% | 2,486 |
| Earnings coverage of net charge-offs (x) | 11.6669% | 2,470 |
| Efficiency ratio | 67.2837% | 3,666 |
| Assets per employee ($millions) | 8.9363% | 378 |
| Cash dividends to net income (ytd only)* | 133.5759% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 1,539 |
| Loan loss allowance to noncurrent loans | 289.3531% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 3,639 |
| Noncurrent loans to loans | 0.5786% | 3,598 |
| Net loans and leases to total assets | 61.3459% | 3,685 |
| Net loans and leases to deposits | 73.8618% | 3,560 |
| Net loans and leases to core deposits | 92.3877% | 2,225 |
| Total domestic deposits to total assets | 83.0550% | 3,802 |
| Equity capital to assets | 9.9910% | 4,161 |
| Core capital (leverage) ratio | 9.8304% | 3,860 |
| Tier 1 risk-based capital ratio | 13.7554% | 3,991 |
| Total risk-based capital ratio | 15.0084% | 3,929 |
| Memoranda: | ||
| Average total assets | $198,776,000 | 2,981 |
| Average earning assets | $188,122,000 | 2,932 |
| Average equity | $20,819,250 | 3,116 |
| Average total loans | $123,576,750 | 3,014 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 4,078 |
| Cost of funding earning assets | 0.2313% | 5,128 |
| Net interest margin | 3.5659% | 3,224 |
| Noninterest income to average assets | 0.2626% | 5,073 |
| Noninterest expense to average assets | 2.5015% | 4,238 |
| Loan and lease loss provision to assets | 0.1384% | 1,579 |
| Net operating income to assets | 0.9933% | 2,420 |
| Return on assets (ROA) | 0.9933% | 2,535 |
| Pretax return on assets | 0.9953% | 3,606 |
| Return on Equity (ROE) | 9.3335% | 2,374 |
| Retained earnings to average equity (ytd only) | -0.2295% | 5,551 |
| Net charge-offs to loans | 0.2540% | 1,020 |
| Credit loss provision to net charge-offs | 87.7419% | 2,233 |
| Earnings coverage of net charge-offs (x) | 7.1871% | 2,698 |
| Efficiency ratio | 68.8130% | 3,530 |
| Assets per employee ($millions) | 7.0037% | 829 |
| Cash dividends to net income (ytd only)* | 102.4590% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 1,562 |
| Loan loss allowance to noncurrent loans | 274.6479% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 3,513 |
| Noncurrent loans to loans | 0.6254% | 3,596 |
| Net loans and leases to total assets | 60.4327% | 3,765 |
| Net loans and leases to deposits | 68.6401% | 4,069 |
| Net loans and leases to core deposits | 85.1330% | 2,868 |
| Total domestic deposits to total assets | 88.0428% | 1,634 |
| Equity capital to assets | 10.0548% | 3,974 |
| Core capital (leverage) ratio | 10.2493% | 3,285 |
| Tier 1 risk-based capital ratio | 14.4528% | 3,662 |
| Total risk-based capital ratio | 15.7058% | 3,586 |
| Memoranda: | ||
| Average total assets | $196,522,670 | 3,027 |
| Average earning assets | $185,871,330 | 2,978 |
| Average equity | $20,914,000 | 3,119 |
| Average total loans | $122,024,000 | 3,053 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,191 |
| Cost of funding earning assets | 0.2325% | 5,191 |
| Net interest margin | 3.5199% | 3,346 |
| Noninterest income to average assets | 0.2732% | 4,994 |
| Noninterest expense to average assets | 2.5897% | 3,976 |
| Loan and lease loss provision to assets | 0.2111% | 849 |
| Net operating income to assets | 0.7949% | 3,291 |
| Return on assets (ROA) | 0.7949% | 3,420 |
| Pretax return on assets | 0.7949% | 4,266 |
| Return on Equity (ROE) | 7.2590% | 3,361 |
| Retained earnings to average equity (ytd only) | -2.1928% | 5,704 |
| Net charge-offs to loans | 0.3815% | 644 |
| Credit loss provision to net charge-offs | 88.6957% | 1,753 |
| Earnings coverage of net charge-offs (x) | 4.2261% | 2,519 |
| Efficiency ratio | 72.0207% | 3,169 |
| Assets per employee ($millions) | 7.5837% | 652 |
| Cash dividends to net income (ytd only)* | 130.2083% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 1,528 |
| Loan loss allowance to noncurrent loans | 201.0280% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 3,253 |
| Noncurrent loans to loans | 0.8874% | 3,028 |
| Net loans and leases to total assets | 60.0600% | 3,643 |
| Net loans and leases to deposits | 74.8794% | 3,173 |
| Net loans and leases to core deposits | 93.5981% | 1,799 |
| Total domestic deposits to total assets | 80.2091% | 5,008 |
| Equity capital to assets | 10.7893% | 3,209 |
| Core capital (leverage) ratio | 10.5486% | 2,904 |
| Tier 1 risk-based capital ratio | 14.2927% | 3,831 |
| Total risk-based capital ratio | 15.5423% | 3,761 |
| Memoranda: | ||
| Average total assets | $193,230,500 | 3,076 |
| Average earning assets | $182,389,000 | 3,040 |
| Average equity | $21,160,000 | 3,121 |
| Average total loans | $120,592,000 | 3,091 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 4,066 |
| Cost of funding earning assets | 0.2173% | 5,612 |
| Net interest margin | 3.6987% | 3,012 |
| Noninterest income to average assets | 0.3839% | 4,304 |
| Noninterest expense to average assets | 3.0527% | 2,677 |
| Loan and lease loss provision to assets | 0.0570% | 3,404 |
| Net operating income to assets | 0.7496% | 3,632 |
| Return on assets (ROA) | 0.7656% | 3,641 |
| Pretax return on assets | 0.7667% | 4,376 |
| Return on Equity (ROE) | 6.3251% | 3,989 |
| Retained earnings to average equity (ytd only) | -3.1013% | 6,096 |
| Net charge-offs to loans | 0.0193% | 4,467 |
| Credit loss provision to net charge-offs | 476.1905% | 550 |
| Earnings coverage of net charge-offs (x) | 67.4286% | 729 |
| Efficiency ratio | 79.0749% | 2,056 |
| Assets per employee ($millions) | 6.7602% | 932 |
| Cash dividends to net income (ytd only)* | 149.0313% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 1,553 |
| Loan loss allowance to noncurrent loans | 256.3981% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 3,601 |
| Noncurrent loans to loans | 0.6998% | 3,585 |
| Net loans and leases to total assets | 62.5750% | 3,431 |
| Net loans and leases to deposits | 76.3683% | 3,162 |
| Net loans and leases to core deposits | 84.9220% | 2,789 |
| Total domestic deposits to total assets | 81.9383% | 4,442 |
| Equity capital to assets | 11.1187% | 2,784 |
| Core capital (leverage) ratio | 11.0109% | 2,403 |
| Tier 1 risk-based capital ratio | 14.8146% | 3,593 |
| Total risk-based capital ratio | 16.0687% | 3,522 |
| Memoranda: | ||
| Average total assets | $175,288,400 | 3,267 |
| Average earning assets | $164,761,600 | 3,220 |
| Average equity | $21,217,000 | 3,029 |
| Average total loans | $108,936,600 | 3,244 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 4,284 |
| Cost of funding earning assets | 0.2132% | 5,728 |
| Net interest margin | 3.6560% | 3,201 |
| Noninterest income to average assets | 0.3679% | 4,482 |
| Noninterest expense to average assets | 2.9322% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8677% | 3,084 |
| Return on assets (ROA) | 0.8840% | 3,098 |
| Pretax return on assets | 0.8856% | 4,054 |
| Return on Equity (ROE) | 7.1432% | 3,638 |
| Retained earnings to average equity (ytd only) | 0.8717% | 5,535 |
| Net charge-offs to loans | 0.0289% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 48.6893% | 994 |
| Efficiency ratio | 77.1335% | 2,333 |
| Assets per employee ($millions) | 6.3014% | 1,148 |
| Cash dividends to net income (ytd only)* | 87.7962% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 1,733 |
| Loan loss allowance to noncurrent loans | 217.2813% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 3,370 |
| Noncurrent loans to loans | 0.8198% | 3,526 |
| Net loans and leases to total assets | 62.2183% | 3,454 |
| Net loans and leases to deposits | 76.5655% | 3,122 |
| Net loans and leases to core deposits | 89.7239% | 2,255 |
| Total domestic deposits to total assets | 81.2616% | 4,747 |
| Equity capital to assets | 11.9119% | 2,137 |
| Core capital (leverage) ratio | 12.1686% | 1,593 |
| Tier 1 risk-based capital ratio | 16.1656% | 2,974 |
| Total risk-based capital ratio | 17.4163% | 2,930 |
| Memoranda: | ||
| Average total assets | $171,789,250 | 3,340 |
| Average earning assets | $161,340,250 | 3,289 |
| Average equity | $21,259,750 | 3,030 |
| Average total loans | $106,018,500 | 3,332 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 4,210 |
| Cost of funding earning assets | 0.2094% | 5,830 |
| Net interest margin | 3.6735% | 3,052 |
| Noninterest income to average assets | 0.3592% | 4,546 |
| Noninterest expense to average assets | 2.9749% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8243% | 3,213 |
| Return on assets (ROA) | 0.8493% | 3,179 |
| Pretax return on assets | 0.8517% | 4,074 |
| Return on Equity (ROE) | 6.7709% | 3,734 |
| Retained earnings to average equity (ytd only) | -2.7121% | 6,069 |
| Net charge-offs to loans | 0.0487% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 1,328 |
| Efficiency ratio | 78.2541% | 2,259 |
| Assets per employee ($millions) | 6.1277% | 1,210 |
| Cash dividends to net income (ytd only)* | 140.0560% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8727% | 1,646 |
| Loan loss allowance to noncurrent loans | 219.1489% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 3,458 |
| Noncurrent loans to loans | 0.8546% | 3,566 |
| Net loans and leases to total assets | 60.7409% | 3,601 |
| Net loans and leases to deposits | 81.6069% | 2,300 |
| Net loans and leases to core deposits | 87.7589% | 2,335 |
| Total domestic deposits to total assets | 74.4311% | 6,071 |
| Equity capital to assets | 11.9029% | 2,061 |
| Core capital (leverage) ratio | 12.4669% | 1,411 |
| Tier 1 risk-based capital ratio | 16.7983% | 2,709 |
| Total risk-based capital ratio | 18.0530% | 2,668 |
| Memoranda: | ||
| Average total assets | $168,138,330 | 3,406 |
| Average earning assets | $157,561,000 | 3,356 |
| Average equity | $21,090,330 | 3,042 |
| Average total loans | $102,771,000 | 3,397 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 4,518 |
| Cost of funding earning assets | 0.2136% | 5,892 |
| Net interest margin | 3.5784% | 3,342 |
| Noninterest income to average assets | 0.3624% | 4,490 |
| Noninterest expense to average assets | 2.9800% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7468% | 3,440 |
| Return on assets (ROA) | 0.7468% | 3,523 |
| Pretax return on assets | 0.7468% | 4,324 |
| Return on Equity (ROE) | 5.7931% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.7931% | 2,649 |
| Net charge-offs to loans | -0.0081% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9606% | 2,216 |
| Assets per employee ($millions) | 5.7674% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0967% | 1,332 |
| Loan loss allowance to noncurrent loans | 123.6374% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.3859% | 2,558 |
| Noncurrent loans to loans | 1.6958% | 2,293 |
| Net loans and leases to total assets | 60.3470% | 3,500 |
| Net loans and leases to deposits | 71.0209% | 3,476 |
| Net loans and leases to core deposits | 76.7629% | 3,333 |
| Total domestic deposits to total assets | 84.9708% | 3,883 |
| Equity capital to assets | 13.2129% | 1,208 |
| Core capital (leverage) ratio | 13.4509% | 984 |
| Tier 1 risk-based capital ratio | 19.0028% | 1,972 |
| Total risk-based capital ratio | 20.2603% | 1,930 |
| Memoranda: | ||
| Average total assets | $163,355,500 | 3,509 |
| Average earning assets | $153,587,000 | 3,449 |
| Average equity | $21,059,500 | 3,044 |
| Average total loans | $99,157,000 | 3,488 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 3,973 |
| Cost of funding earning assets | 0.2572% | 5,925 |
| Net interest margin | 3.7745% | 2,743 |
| Noninterest income to average assets | 0.7113% | 2,476 |
| Noninterest expense to average assets | 3.2576% | 2,260 |
| Loan and lease loss provision to assets | -0.0323% | 6,332 |
| Net operating income to assets | 1.0172% | 2,258 |
| Return on assets (ROA) | 1.0353% | 2,248 |
| Pretax return on assets | 1.0366% | 3,208 |
| Return on Equity (ROE) | 7.5609% | 3,270 |
| Retained earnings to average equity (ytd only) | -0.6882% | 6,005 |
| Net charge-offs to loans | 0.1615% | 3,196 |
| Credit loss provision to net charge-offs | -32.8947% | 5,753 |
| Earnings coverage of net charge-offs (x) | 10.0526% | 2,429 |
| Efficiency ratio | 76.7605% | 2,662 |
| Assets per employee ($millions) | 5.6974% | 1,477 |
| Cash dividends to net income (ytd only)* | 109.1022% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1109% | 1,317 |
| Loan loss allowance to noncurrent loans | 121.4327% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.3721% | 2,688 |
| Noncurrent loans to loans | 1.7383% | 2,314 |
| Net loans and leases to total assets | 58.5202% | 3,951 |
| Net loans and leases to deposits | 68.3341% | 3,996 |
| Net loans and leases to core deposits | 73.6719% | 3,871 |
| Total domestic deposits to total assets | 85.6384% | 3,438 |
| Equity capital to assets | 12.5780% | 1,476 |
| Core capital (leverage) ratio | 13.5201% | 947 |
| Tier 1 risk-based capital ratio | 18.9486% | 1,940 |
| Total risk-based capital ratio | 20.2064% | 1,892 |
| Memoranda: | ||
| Average total assets | $154,929,600 | 3,626 |
| Average earning assets | $144,999,000 | 3,588 |
| Average equity | $21,214,400 | 3,012 |
| Average total loans | $94,098,600 | 3,598 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 3,885 |
| Cost of funding earning assets | 0.2717% | 5,949 |
| Net interest margin | 3.7913% | 2,671 |
| Noninterest income to average assets | 0.5977% | 3,157 |
| Noninterest expense to average assets | 3.3062% | 2,067 |
| Loan and lease loss provision to assets | -0.0438% | 6,539 |
| Net operating income to assets | 0.8760% | 2,962 |
| Return on assets (ROA) | 0.8760% | 3,076 |
| Pretax return on assets | 0.8760% | 3,984 |
| Return on Equity (ROE) | 6.2593% | 4,041 |
| Retained earnings to average equity (ytd only) | 0.0062% | 5,929 |
| Net charge-offs to loans | 0.1248% | 3,285 |
| Credit loss provision to net charge-offs | -57.4713% | 5,731 |
| Earnings coverage of net charge-offs (x) | 10.9308% | 2,299 |
| Efficiency ratio | 79.8900% | 2,115 |
| Assets per employee ($millions) | 4.8013% | 2,439 |
| Cash dividends to net income (ytd only)* | 99.9003% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3713% | 1,077 |
| Loan loss allowance to noncurrent loans | 103.5645% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 2.0149% | 1,991 |
| Noncurrent loans to loans | 2.2896% | 1,915 |
| Net loans and leases to total assets | 59.4726% | 3,782 |
| Net loans and leases to deposits | 71.7718% | 3,539 |
| Net loans and leases to core deposits | 76.5808% | 3,556 |
| Total domestic deposits to total assets | 82.8635% | 4,631 |
| Equity capital to assets | 14.1662% | 914 |
| Core capital (leverage) ratio | 14.3668% | 774 |
| Tier 1 risk-based capital ratio | 21.2387% | 1,447 |
| Total risk-based capital ratio | 22.4994% | 1,412 |
| Memoranda: | ||
| Average total assets | $152,355,750 | 3,699 |
| Average earning assets | $142,286,000 | 3,663 |
| Average equity | $21,322,500 | 3,038 |
| Average total loans | $92,929,500 | 3,646 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0560% | 3,899 |
| Cost of funding earning assets | 0.2924% | 5,886 |
| Net interest margin | 3.7636% | 2,702 |
| Noninterest income to average assets | 0.5719% | 3,373 |
| Noninterest expense to average assets | 3.2724% | 2,150 |
| Loan and lease loss provision to assets | -0.0651% | 6,664 |
| Net operating income to assets | 0.8858% | 2,868 |
| Return on assets (ROA) | 0.8858% | 3,026 |
| Pretax return on assets | 0.8858% | 3,965 |
| Return on Equity (ROE) | 6.3546% | 3,964 |
| Retained earnings to average equity (ytd only) | -2.9904% | 6,309 |
| Net charge-offs to loans | 0.1089% | 3,270 |
| Credit loss provision to net charge-offs | -98.0392% | 5,617 |
| Earnings coverage of net charge-offs (x) | 12.3529% | 1,983 |
| Efficiency ratio | 79.9491% | 2,162 |
| Assets per employee ($millions) | 5.2721% | 1,824 |
| Cash dividends to net income (ytd only)* | 147.0588% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4474% | 1,041 |
| Loan loss allowance to noncurrent loans | 109.8492% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.7208% | 2,532 |
| Noncurrent loans to loans | 2.2279% | 2,139 |
| Net loans and leases to total assets | 56.9906% | 4,134 |
| Net loans and leases to deposits | 67.4104% | 4,087 |
| Net loans and leases to core deposits | 71.7613% | 4,074 |
| Total domestic deposits to total assets | 84.5427% | 4,109 |
| Equity capital to assets | 13.4919% | 1,140 |
| Core capital (leverage) ratio | 13.8490% | 866 |
| Tier 1 risk-based capital ratio | 21.1820% | 1,451 |
| Total risk-based capital ratio | 22.4435% | 1,419 |
| Memoranda: | ||
| Average total assets | $153,527,670 | 3,713 |
| Average earning assets | $143,639,000 | 3,666 |
| Average equity | $21,401,670 | 3,048 |
| Average total loans | $93,683,000 | 3,640 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 3,621 |
| Cost of funding earning assets | 0.3018% | 5,956 |
| Net interest margin | 3.8237% | 2,365 |
| Noninterest income to average assets | 0.5486% | 3,451 |
| Noninterest expense to average assets | 3.3202% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8190% | 3,054 |
| Return on assets (ROA) | 0.8190% | 3,197 |
| Pretax return on assets | 0.8190% | 4,094 |
| Return on Equity (ROE) | 5.7829% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.7829% | 2,795 |
| Net charge-offs to loans | 0.0918% | 2,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.3182% | 1,461 |
| Efficiency ratio | 80.2136% | 2,305 |
| Assets per employee ($millions) | 4.9955% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4494% | 1,182 |
| Loan loss allowance to noncurrent loans | 122.2342% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5154% | 2,980 |
| Noncurrent loans to loans | 2.0039% | 2,615 |
| Net loans and leases to total assets | 60.1911% | 3,394 |
| Net loans and leases to deposits | 72.2417% | 3,154 |
| Net loans and leases to core deposits | 76.9472% | 3,212 |
| Total domestic deposits to total assets | 83.3191% | 4,752 |
| Equity capital to assets | 14.5917% | 851 |
| Core capital (leverage) ratio | 14.1990% | 745 |
| Tier 1 risk-based capital ratio | 20.9834% | 1,543 |
| Total risk-based capital ratio | 22.2449% | 1,513 |
| Memoranda: | ||
| Average total assets | $153,845,500 | 3,746 |
| Average earning assets | $144,468,500 | 3,684 |
| Average equity | $21,788,500 | 3,053 |
| Average total loans | $95,864,500 | 3,615 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 1,686 |
| Cost of funding earning assets | 0.5129% | 5,129 |
| Net interest margin | 4.4381% | 1,071 |
| Noninterest income to average assets | 0.6215% | 3,156 |
| Noninterest expense to average assets | 3.6411% | 1,518 |
| Loan and lease loss provision to assets | -0.0660% | 6,887 |
| Net operating income to assets | 1.1353% | 1,821 |
| Return on assets (ROA) | 1.1347% | 1,996 |
| Pretax return on assets | 1.1380% | 3,024 |
| Return on Equity (ROE) | 8.9615% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.9615% | 837 |
| Net charge-offs to loans | 0.3633% | 2,814 |
| Credit loss provision to net charge-offs | -25.4453% | 6,242 |
| Earnings coverage of net charge-offs (x) | 4.1323% | 3,469 |
| Efficiency ratio | 77.2453% | 2,555 |
| Assets per employee ($millions) | 5.0911% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3041% | 1,360 |
| Loan loss allowance to noncurrent loans | 79.9371% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.8444% | 2,650 |
| Noncurrent loans to loans | 2.8824% | 1,815 |
| Net loans and leases to total assets | 61.4421% | 3,346 |
| Net loans and leases to deposits | 72.8848% | 3,271 |
| Net loans and leases to core deposits | 77.3182% | 3,357 |
| Total domestic deposits to total assets | 84.3003% | 4,182 |
| Equity capital to assets | 13.7551% | 1,129 |
| Core capital (leverage) ratio | 14.3254% | 715 |
| Tier 1 risk-based capital ratio | 20.4529% | 1,575 |
| Total risk-based capital ratio | 21.7141% | 1,541 |
| Memoranda: | ||
| Average total assets | $151,410,400 | 3,749 |
| Average earning assets | $139,610,800 | 3,730 |
| Average equity | $19,170,800 | 3,308 |
| Average total loans | $108,177,000 | 3,331 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 1,456 |
| Cost of funding earning assets | 0.5238% | 5,283 |
| Net interest margin | 4.5641% | 878 |
| Noninterest income to average assets | 0.6159% | 3,182 |
| Noninterest expense to average assets | 3.6847% | 1,385 |
| Loan and lease loss provision to assets | -0.0890% | 7,030 |
| Net operating income to assets | 1.2077% | 1,706 |
| Return on assets (ROA) | 1.2086% | 1,883 |
| Pretax return on assets | 1.2086% | 2,963 |
| Return on Equity (ROE) | 9.7680% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.7680% | 974 |
| Net charge-offs to loans | -0.7222% | 7,111 |
| Credit loss provision to net charge-offs | 16.7224% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7093% | 2,563 |
| Assets per employee ($millions) | 4.9998% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9444% | 764 |
| Loan loss allowance to noncurrent loans | 115.4225% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.9267% | 2,748 |
| Noncurrent loans to loans | 2.5510% | 2,243 |
| Net loans and leases to total assets | 72.0382% | 1,550 |
| Net loans and leases to deposits | 87.4371% | 1,424 |
| Net loans and leases to core deposits | 91.9115% | 1,789 |
| Total domestic deposits to total assets | 82.3886% | 4,881 |
| Equity capital to assets | 14.2299% | 1,067 |
| Core capital (leverage) ratio | 13.9565% | 849 |
| Tier 1 risk-based capital ratio | 17.7507% | 2,444 |
| Total risk-based capital ratio | 19.0205% | 2,405 |
| Memoranda: | ||
| Average total assets | $149,806,750 | 3,824 |
| Average earning assets | $137,445,500 | 3,802 |
| Average equity | $18,536,250 | 3,429 |
| Average total loans | $110,406,750 | 3,318 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 1,014 |
| Cost of funding earning assets | 0.5621% | 5,216 |
| Net interest margin | 4.7566% | 605 |
| Noninterest income to average assets | 0.4020% | 4,635 |
| Noninterest expense to average assets | 3.4192% | 1,986 |
| Loan and lease loss provision to assets | 0.2003% | 3,079 |
| Net operating income to assets | 1.1112% | 2,005 |
| Return on assets (ROA) | 1.1126% | 2,217 |
| Pretax return on assets | 1.1126% | 3,263 |
| Return on Equity (ROE) | 9.4657% | 2,588 |
| Retained earnings to average equity (ytd only) | 9.4657% | 1,126 |
| Net charge-offs to loans | -0.3306% | 7,086 |
| Credit loss provision to net charge-offs | -82.4176% | 6,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2756% | 3,378 |
| Assets per employee ($millions) | 5.0666% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9415% | 828 |
| Loan loss allowance to noncurrent loans | 103.5595% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 2.9014% | 1,908 |
| Noncurrent loans to loans | 2.8404% | 2,109 |
| Net loans and leases to total assets | 67.5783% | 2,352 |
| Net loans and leases to deposits | 81.2525% | 2,199 |
| Net loans and leases to core deposits | 85.6782% | 2,470 |
| Total domestic deposits to total assets | 83.1707% | 4,688 |
| Equity capital to assets | 13.6338% | 1,249 |
| Core capital (leverage) ratio | 13.8674% | 843 |
| Tier 1 risk-based capital ratio | 17.2689% | 2,560 |
| Total risk-based capital ratio | 18.5359% | 2,519 |
| Memoranda: | ||
| Average total assets | $149,744,330 | 3,842 |
| Average earning assets | $136,273,330 | 3,841 |
| Average equity | $17,600,330 | 3,557 |
| Average total loans | $110,098,670 | 3,330 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3420% | 1,023 |
| Cost of funding earning assets | 0.5968% | 5,163 |
| Net interest margin | 4.7452% | 635 |
| Noninterest income to average assets | 0.4091% | 4,605 |
| Noninterest expense to average assets | 3.3912% | 2,030 |
| Loan and lease loss provision to assets | 0.4037% | 1,568 |
| Net operating income to assets | 0.9797% | 2,560 |
| Return on assets (ROA) | 0.9797% | 2,763 |
| Pretax return on assets | 0.9797% | 3,749 |
| Return on Equity (ROE) | 9.0779% | 2,792 |
| Retained earnings to average equity (ytd only) | 9.0779% | 1,562 |
| Net charge-offs to loans | -0.7021% | 7,182 |
| Credit loss provision to net charge-offs | -76.1421% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0259% | 3,616 |
| Assets per employee ($millions) | 5.1223% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8310% | 980 |
| Loan loss allowance to noncurrent loans | 93.8212% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 3.1532% | 1,838 |
| Noncurrent loans to loans | 3.0174% | 2,141 |
| Net loans and leases to total assets | 72.2754% | 1,352 |
| Net loans and leases to deposits | 87.0323% | 1,285 |
| Net loans and leases to core deposits | 91.8897% | 1,661 |
| Total domestic deposits to total assets | 83.0444% | 4,907 |
| Equity capital to assets | 10.9494% | 2,962 |
| Core capital (leverage) ratio | 10.7853% | 2,456 |
| Tier 1 risk-based capital ratio | 13.2902% | 4,993 |
| Total risk-based capital ratio | 14.5566% | 4,965 |
| Memoranda: | ||
| Average total assets | $148,618,000 | 3,898 |
| Average earning assets | $136,727,500 | 3,870 |
| Average equity | $16,039,000 | 3,808 |
| Average total loans | $112,233,000 | 3,310 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6000% | 954 |
| Cost of funding earning assets | 0.8837% | 4,230 |
| Net interest margin | 4.7163% | 724 |
| Noninterest income to average assets | 0.5506% | 3,505 |
| Noninterest expense to average assets | 3.5486% | 1,867 |
| Loan and lease loss provision to assets | 0.4599% | 2,302 |
| Net operating income to assets | 0.8806% | 2,685 |
| Return on assets (ROA) | 0.9620% | 2,479 |
| Pretax return on assets | 0.9651% | 3,373 |
| Return on Equity (ROE) | 10.3111% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.3111% | 509 |
| Net charge-offs to loans | 1.0386% | 1,671 |
| Credit loss provision to net charge-offs | 57.5428% | 5,236 |
| Earnings coverage of net charge-offs (x) | 1.6812% | 4,510 |
| Efficiency ratio | 72.5356% | 3,474 |
| Assets per employee ($millions) | 5.3103% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4391% | 1,397 |
| Loan loss allowance to noncurrent loans | 93.4768% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 2.9081% | 2,077 |
| Noncurrent loans to loans | 2.6093% | 2,506 |
| Net loans and leases to total assets | 74.7836% | 1,131 |
| Net loans and leases to deposits | 89.9825% | 1,160 |
| Net loans and leases to core deposits | 94.9873% | 1,586 |
| Total domestic deposits to total assets | 83.1090% | 4,706 |
| Equity capital to assets | 10.6349% | 3,386 |
| Core capital (leverage) ratio | 10.3464% | 2,916 |
| Tier 1 risk-based capital ratio | 12.4874% | 5,460 |
| Total risk-based capital ratio | 13.7497% | 5,433 |
| Memoranda: | ||
| Average total assets | $160,909,800 | 3,618 |
| Average earning assets | $148,124,600 | 3,598 |
| Average equity | $15,013,000 | 3,902 |
| Average total loans | $123,823,800 | 3,103 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4837% | 1,293 |
| Cost of funding earning assets | 0.9391% | 4,124 |
| Net interest margin | 4.5446% | 1,056 |
| Noninterest income to average assets | 0.5562% | 3,467 |
| Noninterest expense to average assets | 3.3616% | 2,306 |
| Loan and lease loss provision to assets | 0.3659% | 2,661 |
| Net operating income to assets | 1.0197% | 2,250 |
| Return on assets (ROA) | 1.1075% | 2,083 |
| Pretax return on assets | 1.1075% | 2,975 |
| Return on Equity (ROE) | 12.2592% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.2592% | 473 |
| Net charge-offs to loans | 0.7718% | 2,020 |
| Credit loss provision to net charge-offs | 61.5595% | 4,757 |
| Earnings coverage of net charge-offs (x) | 2.3311% | 3,960 |
| Efficiency ratio | 70.8119% | 3,784 |
| Assets per employee ($millions) | 5.1639% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4784% | 1,427 |
| Loan loss allowance to noncurrent loans | 91.2796% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 3.2643% | 1,943 |
| Noncurrent loans to loans | 2.7152% | 2,578 |
| Net loans and leases to total assets | 77.3661% | 790 |
| Net loans and leases to deposits | 94.7545% | 775 |
| Net loans and leases to core deposits | 100.5250% | 1,199 |
| Total domestic deposits to total assets | 81.6490% | 5,209 |
| Equity capital to assets | 10.1137% | 4,192 |
| Core capital (leverage) ratio | 9.8062% | 3,698 |
| Tier 1 risk-based capital ratio | 11.4632% | 6,261 |
| Total risk-based capital ratio | 12.7262% | 6,248 |
| Memoranda: | ||
| Average total assets | $163,965,000 | 3,606 |
| Average earning assets | $151,207,750 | 3,585 |
| Average equity | $14,813,000 | 3,958 |
| Average total loans | $126,286,000 | 3,072 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3333% | 1,772 |
| Cost of funding earning assets | 1.0104% | 3,886 |
| Net interest margin | 4.3229% | 1,586 |
| Noninterest income to average assets | 0.5510% | 3,470 |
| Noninterest expense to average assets | 3.2423% | 2,757 |
| Loan and lease loss provision to assets | 0.3593% | 2,633 |
| Net operating income to assets | 0.9462% | 2,452 |
| Return on assets (ROA) | 1.0265% | 2,214 |
| Pretax return on assets | 1.0265% | 3,135 |
| Return on Equity (ROE) | 11.7979% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.7979% | 544 |
| Net charge-offs to loans | 0.1868% | 4,042 |
| Credit loss provision to net charge-offs | 252.1008% | 1,199 |
| Earnings coverage of net charge-offs (x) | 9.1597% | 1,957 |
| Efficiency ratio | 71.2931% | 3,879 |
| Assets per employee ($millions) | 5.5811% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7739% | 1,101 |
| Loan loss allowance to noncurrent loans | 1,181.4815% | 325 |
| Noncurrent assets plus other real estate owned to assets | 1.3537% | 4,199 |
| Noncurrent loans to loans | 0.2348% | 6,448 |
| Net loans and leases to total assets | 75.9903% | 1,073 |
| Net loans and leases to deposits | 90.9730% | 1,165 |
| Net loans and leases to core deposits | 101.8913% | 1,184 |
| Total domestic deposits to total assets | 83.5305% | 4,540 |
| Equity capital to assets | 9.2270% | 5,237 |
| Core capital (leverage) ratio | 9.0792% | 4,606 |
| Tier 1 risk-based capital ratio | 10.9626% | 6,561 |
| Total risk-based capital ratio | 12.2289% | 6,522 |
| Memoranda: | ||
| Average total assets | $166,980,670 | 3,587 |
| Average earning assets | $154,387,330 | 3,555 |
| Average equity | $14,528,000 | 4,004 |
| Average total loans | $127,414,670 | 3,084 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 2,186 |
| Cost of funding earning assets | 1.1141% | 3,428 |
| Net interest margin | 4.0968% | 2,278 |
| Noninterest income to average assets | 0.5521% | 3,493 |
| Noninterest expense to average assets | 3.0930% | 3,275 |
| Loan and lease loss provision to assets | 0.3539% | 2,427 |
| Net operating income to assets | 0.8965% | 2,580 |
| Return on assets (ROA) | 0.8965% | 2,639 |
| Pretax return on assets | 0.8965% | 3,510 |
| Return on Equity (ROE) | 10.6108% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.6108% | 970 |
| Net charge-offs to loans | 0.7414% | 1,735 |
| Credit loss provision to net charge-offs | 63.2911% | 3,485 |
| Earnings coverage of net charge-offs (x) | 2.2363% | 3,203 |
| Efficiency ratio | 71.2113% | 4,009 |
| Assets per employee ($millions) | 5.7430% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5516% | 1,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 4,661 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 74.2751% | 1,308 |
| Net loans and leases to deposits | 88.5687% | 1,403 |
| Net loans and leases to core deposits | 110.3525% | 705 |
| Total domestic deposits to total assets | 83.8616% | 4,543 |
| Equity capital to assets | 8.7177% | 5,632 |
| Core capital (leverage) ratio | 8.2795% | 5,845 |
| Tier 1 risk-based capital ratio | 10.4348% | 6,841 |
| Total risk-based capital ratio | 11.6985% | 6,826 |
| Memoranda: | ||
| Average total assets | $169,545,500 | 3,565 |
| Average earning assets | $156,901,500 | 3,524 |
| Average equity | $14,325,000 | 4,041 |
| Average total loans | $127,872,000 | 3,109 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7088% | 1,538 |
| Cost of funding earning assets | 1.4979% | 2,653 |
| Net interest margin | 4.2109% | 2,143 |
| Noninterest income to average assets | 0.5184% | 4,037 |
| Noninterest expense to average assets | 14.9818% | 51 |
| Loan and lease loss provision to assets | 0.3266% | 4,198 |
| Net operating income to assets | -11.2265% | 7,644 |
| Return on assets (ROA) | -11.2265% | 7,644 |
| Pretax return on assets | -11.2254% | 7,646 |
| Return on Equity (ROE) | -76.0610% | 7,537 |
| Retained earnings to average equity (ytd only) | -77.8024% | 7,541 |
| Net charge-offs to loans | -0.0794% | 7,484 |
| Credit loss provision to net charge-offs | -570.0935% | 7,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1869% | 1,237 |
| Assets per employee ($millions) | 5.9498% | 1,242 |
| Cash dividends to net income (ytd only)* | -2.2895% | 7,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5830% | 1,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4414% | 4,168 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.7206% | 1,940 |
| Net loans and leases to deposits | 86.6133% | 1,988 |
| Net loans and leases to core deposits | 113.7786% | 735 |
| Total domestic deposits to total assets | 83.9600% | 4,381 |
| Equity capital to assets | 8.1898% | 6,271 |
| Core capital (leverage) ratio | 8.0898% | 6,038 |
| Tier 1 risk-based capital ratio | 9.9924% | 6,986 |
| Total risk-based capital ratio | 11.2557% | 6,966 |
| Memoranda: | ||
| Average total assets | $186,746,000 | 3,273 |
| Average earning assets | $158,089,600 | 3,483 |
| Average equity | $27,563,400 | 2,338 |
| Average total loans | $134,781,600 | 3,037 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6743% | 1,798 |
| Cost of funding earning assets | 1.5449% | 2,703 |
| Net interest margin | 4.1293% | 2,492 |
| Noninterest income to average assets | 0.5094% | 4,103 |
| Noninterest expense to average assets | 17.4684% | 45 |
| Loan and lease loss provision to assets | 0.2228% | 4,825 |
| Net operating income to assets | -13.7585% | 7,752 |
| Return on assets (ROA) | -13.7585% | 7,752 |
| Pretax return on assets | -13.7585% | 7,752 |
| Return on Equity (ROE) | -84.6725% | 7,670 |
| Retained earnings to average equity (ytd only) | -84.6725% | 7,670 |
| Net charge-offs to loans | -0.0127% | 7,297 |
| Credit loss provision to net charge-offs | -2,446.1538% | 7,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6063% | 4,154 |
| Assets per employee ($millions) | 5.6948% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1777% | 1,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2805% | 3,104 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 74.8323% | 1,612 |
| Net loans and leases to deposits | 89.7949% | 1,752 |
| Net loans and leases to core deposits | 121.8324% | 560 |
| Total domestic deposits to total assets | 83.3369% | 4,444 |
| Equity capital to assets | 9.0099% | 5,565 |
| Core capital (leverage) ratio | 8.1556% | 6,107 |
| Tier 1 risk-based capital ratio | 10.4058% | 6,831 |
| Total risk-based capital ratio | 11.6643% | 6,821 |
| Memoranda: | ||
| Average total assets | $190,296,500 | 3,271 |
| Average earning assets | $157,761,000 | 3,536 |
| Average equity | $30,921,500 | 2,139 |
| Average total loans | $136,276,500 | 3,050 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6273% | 2,033 |
| Cost of funding earning assets | 1.5781% | 2,786 |
| Net interest margin | 4.0492% | 2,792 |
| Noninterest income to average assets | 0.5090% | 4,038 |
| Noninterest expense to average assets | 2.8284% | 4,363 |
| Loan and lease loss provision to assets | 0.0913% | 6,011 |
| Net operating income to assets | 0.8467% | 2,744 |
| Return on assets (ROA) | 0.8467% | 2,898 |
| Pretax return on assets | 0.8467% | 3,719 |
| Return on Equity (ROE) | 4.5927% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.5927% | 3,155 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7003% | 4,245 |
| Assets per employee ($millions) | 6.3359% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 3,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1260% | 3,340 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 69.7311% | 2,969 |
| Net loans and leases to deposits | 94.2789% | 1,240 |
| Net loans and leases to core deposits | 128.2681% | 455 |
| Total domestic deposits to total assets | 73.9625% | 6,976 |
| Equity capital to assets | 19.1255% | 337 |
| Core capital (leverage) ratio | 9.2024% | 4,297 |
| Tier 1 risk-based capital ratio | 10.4504% | 6,722 |
| Total risk-based capital ratio | 11.7088% | 6,699 |
| Memoranda: | ||
| Average total assets | $194,882,000 | 3,238 |
| Average earning assets | $156,772,670 | 3,581 |
| Average equity | $35,926,670 | 1,858 |
| Average total loans | $136,685,330 | 3,074 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5260% | 2,475 |
| Cost of funding earning assets | 1.5680% | 3,151 |
| Net interest margin | 3.9580% | 3,062 |
| Noninterest income to average assets | 0.5272% | 3,835 |
| Noninterest expense to average assets | 2.8446% | 4,304 |
| Loan and lease loss provision to assets | 0.0203% | 6,441 |
| Net operating income to assets | 0.8353% | 2,815 |
| Return on assets (ROA) | 0.8353% | 2,913 |
| Pretax return on assets | 0.8353% | 3,725 |
| Return on Equity (ROE) | 4.6145% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.6145% | 3,369 |
| Net charge-offs to loans | -0.1133% | 7,545 |
| Credit loss provision to net charge-offs | -25.6410% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4521% | 4,033 |
| Assets per employee ($millions) | 6.4226% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 3,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4862% | 2,919 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.5510% | 3,735 |
| Net loans and leases to deposits | 91.4609% | 1,687 |
| Net loans and leases to core deposits | 128.9391% | 515 |
| Total domestic deposits to total assets | 72.7644% | 7,190 |
| Equity capital to assets | 18.0422% | 418 |
| Core capital (leverage) ratio | 8.8116% | 4,838 |
| Tier 1 risk-based capital ratio | 10.1082% | 6,957 |
| Total risk-based capital ratio | 11.5140% | 6,830 |
| Memoranda: | ||
| Average total assets | $197,285,000 | 3,254 |
| Average earning assets | $158,161,500 | 3,603 |
| Average equity | $35,713,500 | 1,886 |
| Average total loans | $137,658,000 | 3,116 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0041% | 1,847 |
| Cost of funding earning assets | 1.8550% | 3,709 |
| Net interest margin | 4.1492% | 2,253 |
| Noninterest income to average assets | 0.5506% | 4,022 |
| Noninterest expense to average assets | 2.6272% | 5,683 |
| Loan and lease loss provision to assets | 1.3753% | 1,669 |
| Net operating income to assets | -0.0710% | 5,628 |
| Return on assets (ROA) | 0.0539% | 5,382 |
| Pretax return on assets | 0.0539% | 5,316 |
| Return on Equity (ROE) | 0.2779% | 5,450 |
| Retained earnings to average equity (ytd only) | -0.9357% | 5,239 |
| Net charge-offs to loans | 1.4418% | 1,740 |
| Credit loss provision to net charge-offs | 129.3970% | 3,968 |
| Earnings coverage of net charge-offs (x) | 1.2271% | 4,896 |
| Efficiency ratio | 61.4455% | 6,251 |
| Assets per employee ($millions) | 6.5157% | 987 |
| Cash dividends to net income (ytd only)* | 436.6337% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2351% | 3,087 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 70.8774% | 3,038 |
| Net loans and leases to deposits | 98.9982% | 997 |
| Net loans and leases to core deposits | 142.8642% | 716 |
| Total domestic deposits to total assets | 71.5946% | 7,279 |
| Equity capital to assets | 18.1639% | 433 |
| Core capital (leverage) ratio | 8.6730% | 4,972 |
| Tier 1 risk-based capital ratio | 9.5990% | 7,159 |
| Total risk-based capital ratio | 10.8503% | 7,141 |
| Memoranda: | ||
| Average total assets | $187,236,800 | 3,322 |
| Average earning assets | $152,561,200 | 3,664 |
| Average equity | $36,337,800 | 1,854 |
| Average total loans | $138,024,600 | 3,121 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9301% | 2,318 |
| Cost of funding earning assets | 1.9235% | 3,756 |
| Net interest margin | 4.0066% | 2,785 |
| Noninterest income to average assets | 0.5378% | 4,174 |
| Noninterest expense to average assets | 2.5870% | 5,757 |
| Loan and lease loss provision to assets | 0.2189% | 5,229 |
| Net operating income to assets | 1.0224% | 1,982 |
| Return on assets (ROA) | 1.0224% | 2,052 |
| Pretax return on assets | 1.0224% | 2,828 |
| Return on Equity (ROE) | 5.1806% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.5717% | 3,295 |
| Net charge-offs to loans | 0.0184% | 6,654 |
| Credit loss provision to net charge-offs | 1,600.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 90.7465% | 389 |
| Efficiency ratio | 61.9898% | 6,104 |
| Assets per employee ($millions) | 6.3575% | 1,052 |
| Cash dividends to net income (ytd only)* | 31.0565% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 4,752 |
| Loan loss allowance to noncurrent loans | 35.0901% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 3.1475% | 2,172 |
| Noncurrent loans to loans | 3.5937% | 2,076 |
| Net loans and leases to total assets | 74.3488% | 2,431 |
| Net loans and leases to deposits | 109.0391% | 496 |
| Net loans and leases to core deposits | 158.6833% | 404 |
| Total domestic deposits to total assets | 68.1854% | 7,556 |
| Equity capital to assets | 19.5460% | 370 |
| Core capital (leverage) ratio | 9.6084% | 3,779 |
| Tier 1 risk-based capital ratio | 10.3123% | 6,664 |
| Total risk-based capital ratio | 11.4627% | 6,710 |
| Memoranda: | ||
| Average total assets | $185,178,500 | 3,385 |
| Average earning assets | $152,078,500 | 3,691 |
| Average equity | $36,546,000 | 1,860 |
| Average total loans | $137,367,250 | 3,168 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9312% | 2,455 |
| Cost of funding earning assets | 2.0368% | 3,591 |
| Net interest margin | 3.8944% | 3,145 |
| Noninterest income to average assets | 0.5106% | 4,355 |
| Noninterest expense to average assets | 2.6062% | 5,717 |
| Loan and lease loss provision to assets | 0.1222% | 5,889 |
| Net operating income to assets | 0.9818% | 2,170 |
| Return on assets (ROA) | 0.9818% | 2,268 |
| Pretax return on assets | 0.9818% | 3,078 |
| Return on Equity (ROE) | 4.9584% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.6968% | 3,240 |
| Net charge-offs to loans | 0.0281% | 6,081 |
| Credit loss provision to net charge-offs | 589.4737% | 791 |
| Earnings coverage of net charge-offs (x) | 53.2632% | 659 |
| Efficiency ratio | 64.4222% | 5,822 |
| Assets per employee ($millions) | 6.1992% | 1,098 |
| Cash dividends to net income (ytd only)* | 25.4444% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 4,981 |
| Loan loss allowance to noncurrent loans | 40.0743% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 2.6294% | 2,441 |
| Noncurrent loans to loans | 2.9822% | 2,423 |
| Net loans and leases to total assets | 71.9729% | 3,237 |
| Net loans and leases to deposits | 104.8257% | 843 |
| Net loans and leases to core deposits | 148.1757% | 696 |
| Total domestic deposits to total assets | 68.6596% | 7,575 |
| Equity capital to assets | 19.7057% | 407 |
| Core capital (leverage) ratio | 9.6653% | 3,680 |
| Tier 1 risk-based capital ratio | 10.4553% | 6,421 |
| Total risk-based capital ratio | 11.5248% | 6,556 |
| Memoranda: | ||
| Average total assets | $183,330,000 | 3,436 |
| Average earning assets | $150,627,670 | 3,732 |
| Average equity | $36,301,670 | 1,880 |
| Average total loans | $135,285,670 | 3,241 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9523% | 2,554 |
| Cost of funding earning assets | 2.2586% | 2,890 |
| Net interest margin | 3.6937% | 3,917 |
| Noninterest income to average assets | 0.4769% | 4,537 |
| Noninterest expense to average assets | 2.4395% | 6,061 |
| Loan and lease loss provision to assets | 0.1253% | 5,355 |
| Net operating income to assets | 0.9384% | 2,551 |
| Return on assets (ROA) | 0.9384% | 2,683 |
| Pretax return on assets | 0.9384% | 3,571 |
| Return on Equity (ROE) | 4.7276% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.7276% | 3,282 |
| Net charge-offs to loans | 0.0533% | 4,723 |
| Credit loss provision to net charge-offs | 316.6667% | 1,548 |
| Earnings coverage of net charge-offs (x) | 26.8889% | 1,161 |
| Efficiency ratio | 63.4253% | 5,791 |
| Assets per employee ($millions) | 6.2035% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,222 |
| Loan loss allowance to noncurrent loans | 38.9539% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 2.6829% | 2,123 |
| Noncurrent loans to loans | 2.9151% | 2,241 |
| Net loans and leases to total assets | 73.1662% | 2,971 |
| Net loans and leases to deposits | 105.8068% | 881 |
| Net loans and leases to core deposits | 134.9033% | 1,364 |
| Total domestic deposits to total assets | 69.1507% | 7,499 |
| Equity capital to assets | 19.5562% | 444 |
| Core capital (leverage) ratio | 9.6423% | 3,829 |
| Tier 1 risk-based capital ratio | 10.1284% | 6,775 |
| Total risk-based capital ratio | 11.1515% | 6,929 |
| Memoranda: | ||
| Average total assets | $182,006,500 | 3,477 |
| Average earning assets | $149,120,000 | 3,769 |
| Average equity | $36,128,500 | 1,896 |
| Average total loans | $135,192,500 | 3,265 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9718% | 8,177 |
| Cost of funding earning assets | 1.2193% | 7,922 |
| Net interest margin | 1.7525% | 8,140 |
| Noninterest income to average assets | 0.2921% | 6,376 |
| Noninterest expense to average assets | 1.2757% | 8,130 |
| Loan and lease loss provision to assets | 0.1930% | 4,953 |
| Net operating income to assets | 0.3613% | 5,307 |
| Return on assets (ROA) | 0.3613% | 5,109 |
| Pretax return on assets | 0.3613% | 5,354 |
| Return on Equity (ROE) | 2.4540% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.4540% | 3,665 |
| Net charge-offs to loans | 0.0008% | 7,030 |
| Credit loss provision to net charge-offs | 30,400.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 873.0000% | 55 |
| Efficiency ratio | 63.9833% | 5,564 |
| Assets per employee ($millions) | 6.3539% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 4,923 |
| Loan loss allowance to noncurrent loans | 47.8356% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 1.7919% | 2,735 |
| Noncurrent loans to loans | 2.4032% | 2,282 |
| Net loans and leases to total assets | 73.7066% | 3,182 |
| Net loans and leases to deposits | 103.4018% | 1,413 |
| Net loans and leases to core deposits | 131.7453% | 1,740 |
| Total domestic deposits to total assets | 71.2818% | 7,124 |
| Equity capital to assets | 20.1576% | 462 |
| Core capital (leverage) ratio | 9.5966% | 3,883 |
| Tier 1 risk-based capital ratio | 10.1972% | 6,521 |
| Total risk-based capital ratio | 11.2376% | 6,630 |
| Memoranda: | ||
| Average total assets | $157,486,200 | 3,766 |
| Average earning assets | $138,198,800 | 3,884 |
| Average equity | $23,186,400 | 2,824 |
| Average total loans | $122,440,800 | 3,413 |