Home > Community Bank, Inc. > Performance and Condition Ratios
Community Bank, Inc., 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 | 4.2298% | 2,849 |
| Cost of funding earning assets | 0.3241% | 4,546 |
| Net interest margin | 3.9056% | 2,217 |
| Noninterest income to average assets | 1.1216% | 967 |
| Noninterest expense to average assets | 3.9589% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7056% | 3,864 |
| Return on assets (ROA) | 0.7056% | 3,982 |
| Pretax return on assets | 0.7056% | 4,607 |
| Return on Equity (ROE) | 6.2517% | 4,024 |
| Retained earnings to average equity (ytd only) | 1.8109% | 4,902 |
| Net charge-offs to loans | 0.1906% | 2,143 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.9615% | 3,109 |
| Efficiency ratio | 84.8734% | 1,305 |
| Assets per employee ($millions) | 2.6907% | 6,034 |
| Cash dividends to net income (ytd only)* | 71.0339% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8439% | 1,438 |
| Loan loss allowance to noncurrent loans | 63.6566% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.7233% | 1,544 |
| Noncurrent loans to loans | 2.8966% | 791 |
| Net loans and leases to total assets | 52.1387% | 4,771 |
| Net loans and leases to deposits | 60.9764% | 4,811 |
| Net loans and leases to core deposits | 61.7720% | 5,015 |
| Total domestic deposits to total assets | 85.5063% | 3,076 |
| Equity capital to assets | 11.9385% | 2,055 |
| Core capital (leverage) ratio | 11.9472% | 1,662 |
| Tier 1 risk-based capital ratio | 19.7895% | 1,642 |
| Total risk-based capital ratio | 21.0442% | 1,613 |
| Memoranda: | ||
| Average total assets | $179,571,400 | 3,214 |
| Average earning assets | $162,893,600 | 3,242 |
| Average equity | $20,266,400 | 3,137 |
| Average total loans | $95,469,200 | 3,517 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 2,837 |
| Cost of funding earning assets | 0.3391% | 4,475 |
| Net interest margin | 3.9016% | 2,239 |
| Noninterest income to average assets | 0.8483% | 1,706 |
| Noninterest expense to average assets | 3.8699% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5097% | 4,839 |
| Return on assets (ROA) | 0.5097% | 4,905 |
| Pretax return on assets | 0.5097% | 5,303 |
| Return on Equity (ROE) | 4.5807% | 4,920 |
| Retained earnings to average equity (ytd only) | -1.3855% | 6,017 |
| Net charge-offs to loans | 0.1276% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.5111% | 2,921 |
| Efficiency ratio | 88.3611% | 969 |
| Assets per employee ($millions) | 2.7648% | 6,012 |
| Cash dividends to net income (ytd only)* | 130.2461% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 1,431 |
| Loan loss allowance to noncurrent loans | 78.8024% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 2,120 |
| Noncurrent loans to loans | 2.4230% | 1,226 |
| Net loans and leases to total assets | 51.5417% | 4,853 |
| Net loans and leases to deposits | 60.0023% | 4,943 |
| Net loans and leases to core deposits | 60.8778% | 5,125 |
| Total domestic deposits to total assets | 85.8994% | 2,901 |
| Equity capital to assets | 11.2704% | 2,687 |
| Core capital (leverage) ratio | 11.2088% | 2,299 |
| Tier 1 risk-based capital ratio | 18.5370% | 2,039 |
| Total risk-based capital ratio | 19.7915% | 1,999 |
| Memoranda: | ||
| Average total assets | $180,740,000 | 3,226 |
| Average earning assets | $163,585,750 | 3,269 |
| Average equity | $20,113,000 | 3,159 |
| Average total loans | $96,111,000 | 3,529 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 2,895 |
| Cost of funding earning assets | 0.3528% | 4,409 |
| Net interest margin | 3.8629% | 2,316 |
| Noninterest income to average assets | 0.8780% | 1,562 |
| Noninterest expense to average assets | 3.9043% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4683% | 4,937 |
| Return on assets (ROA) | 0.4683% | 5,012 |
| Pretax return on assets | 0.4683% | 5,369 |
| Return on Equity (ROE) | 4.2261% | 5,048 |
| Retained earnings to average equity (ytd only) | -3.7476% | 6,158 |
| Net charge-offs to loans | 0.1903% | 1,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.6087% | 3,076 |
| Efficiency ratio | 89.2902% | 966 |
| Assets per employee ($millions) | 2.7222% | 6,110 |
| Cash dividends to net income (ytd only)* | 188.6792% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 1,643 |
| Loan loss allowance to noncurrent loans | 66.2137% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.8630% | 1,747 |
| Noncurrent loans to loans | 2.8303% | 1,062 |
| Net loans and leases to total assets | 51.7611% | 4,768 |
| Net loans and leases to deposits | 60.2851% | 4,843 |
| Net loans and leases to core deposits | 61.4261% | 5,017 |
| Total domestic deposits to total assets | 85.8605% | 3,116 |
| Equity capital to assets | 11.0960% | 2,792 |
| Core capital (leverage) ratio | 11.2459% | 2,207 |
| Tier 1 risk-based capital ratio | 18.4969% | 2,066 |
| Total risk-based capital ratio | 19.7518% | 2,020 |
| Memoranda: | ||
| Average total assets | $181,083,670 | 3,240 |
| Average earning assets | $163,816,670 | 3,273 |
| Average equity | $20,066,000 | 3,160 |
| Average total loans | $96,672,000 | 3,527 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 3,376 |
| Cost of funding earning assets | 0.3794% | 4,207 |
| Net interest margin | 3.6962% | 2,880 |
| Noninterest income to average assets | 0.9599% | 1,231 |
| Noninterest expense to average assets | 3.8220% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4855% | 4,761 |
| Return on assets (ROA) | 0.4855% | 4,835 |
| Pretax return on assets | 0.4855% | 5,209 |
| Return on Equity (ROE) | 4.3844% | 4,846 |
| Retained earnings to average equity (ytd only) | -8.6286% | 6,310 |
| Net charge-offs to loans | -0.0124% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7288% | 1,155 |
| Assets per employee ($millions) | 2.5279% | 6,352 |
| Cash dividends to net income (ytd only)* | 296.8037% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 1,597 |
| Loan loss allowance to noncurrent loans | 66.1555% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.0282% | 1,676 |
| Noncurrent loans to loans | 2.9638% | 1,084 |
| Net loans and leases to total assets | 53.6320% | 4,471 |
| Net loans and leases to deposits | 62.8125% | 4,459 |
| Net loans and leases to core deposits | 64.4947% | 4,648 |
| Total domestic deposits to total assets | 85.3843% | 3,679 |
| Equity capital to assets | 11.2769% | 2,453 |
| Core capital (leverage) ratio | 11.2440% | 2,180 |
| Tier 1 risk-based capital ratio | 18.1551% | 2,227 |
| Total risk-based capital ratio | 19.4107% | 2,199 |
| Memoranda: | ||
| Average total assets | $180,430,500 | 3,269 |
| Average earning assets | $163,413,000 | 3,301 |
| Average equity | $19,980,000 | 3,179 |
| Average total loans | $96,903,000 | 3,536 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 2,697 |
| Cost of funding earning assets | 0.4627% | 3,992 |
| Net interest margin | 3.9054% | 2,265 |
| Noninterest income to average assets | 1.1819% | 1,016 |
| Noninterest expense to average assets | 3.7271% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9607% | 2,512 |
| Return on assets (ROA) | 0.9689% | 2,543 |
| Pretax return on assets | 0.9689% | 3,484 |
| Return on Equity (ROE) | 8.8741% | 2,607 |
| Retained earnings to average equity (ytd only) | 5.0443% | 2,566 |
| Net charge-offs to loans | 0.3276% | 2,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.5079% | 3,285 |
| Efficiency ratio | 79.5070% | 2,236 |
| Assets per employee ($millions) | 2.7045% | 6,213 |
| Cash dividends to net income (ytd only)* | 43.1573% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 1,666 |
| Loan loss allowance to noncurrent loans | 89.8104% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.6536% | 2,234 |
| Noncurrent loans to loans | 2.1752% | 1,801 |
| Net loans and leases to total assets | 51.7158% | 4,892 |
| Net loans and leases to deposits | 60.6261% | 4,877 |
| Net loans and leases to core deposits | 62.0832% | 5,046 |
| Total domestic deposits to total assets | 85.3029% | 3,595 |
| Equity capital to assets | 10.8778% | 2,727 |
| Core capital (leverage) ratio | 11.2241% | 2,177 |
| Tier 1 risk-based capital ratio | 18.6887% | 2,015 |
| Total risk-based capital ratio | 19.9443% | 1,976 |
| Memoranda: | ||
| Average total assets | $181,748,600 | 3,258 |
| Average earning assets | $163,159,800 | 3,300 |
| Average equity | $19,844,200 | 3,168 |
| Average total loans | $96,777,000 | 3,536 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 2,575 |
| Cost of funding earning assets | 0.4819% | 3,948 |
| Net interest margin | 3.9240% | 2,186 |
| Noninterest income to average assets | 1.2457% | 945 |
| Noninterest expense to average assets | 3.6995% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0573% | 2,159 |
| Return on assets (ROA) | 1.0684% | 2,209 |
| Pretax return on assets | 1.0684% | 3,229 |
| Return on Equity (ROE) | 9.7756% | 2,272 |
| Retained earnings to average equity (ytd only) | 5.7361% | 2,573 |
| Net charge-offs to loans | 0.2536% | 2,296 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.8097% | 2,727 |
| Efficiency ratio | 77.7726% | 2,455 |
| Assets per employee ($millions) | 2.7290% | 6,239 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 1,592 |
| Loan loss allowance to noncurrent loans | 116.5517% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.8032% | 2,271 |
| Noncurrent loans to loans | 1.7673% | 2,547 |
| Net loans and leases to total assets | 52.7381% | 4,786 |
| Net loans and leases to deposits | 62.0391% | 4,762 |
| Net loans and leases to core deposits | 63.5473% | 4,938 |
| Total domestic deposits to total assets | 85.0079% | 3,748 |
| Equity capital to assets | 10.9651% | 2,787 |
| Core capital (leverage) ratio | 11.2985% | 2,201 |
| Tier 1 risk-based capital ratio | 18.4840% | 2,150 |
| Total risk-based capital ratio | 19.7412% | 2,115 |
| Memoranda: | ||
| Average total assets | $181,209,000 | 3,286 |
| Average earning assets | $162,144,250 | 3,338 |
| Average equity | $19,804,000 | 3,212 |
| Average total loans | $96,720,250 | 3,557 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 2,579 |
| Cost of funding earning assets | 0.4958% | 3,939 |
| Net interest margin | 3.8996% | 2,210 |
| Noninterest income to average assets | 1.5144% | 680 |
| Noninterest expense to average assets | 3.6753% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3306% | 1,241 |
| Return on assets (ROA) | 1.3472% | 1,294 |
| Pretax return on assets | 1.3472% | 2,135 |
| Return on Equity (ROE) | 12.3413% | 1,391 |
| Retained earnings to average equity (ytd only) | 7.1188% | 1,836 |
| Net charge-offs to loans | 0.2621% | 2,156 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.5397% | 2,269 |
| Efficiency ratio | 73.4188% | 3,239 |
| Assets per employee ($millions) | 2.5743% | 6,424 |
| Cash dividends to net income (ytd only)* | 42.3172% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 1,698 |
| Loan loss allowance to noncurrent loans | 169.8697% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.7238% | 2,526 |
| Noncurrent loans to loans | 1.2195% | 3,517 |
| Net loans and leases to total assets | 55.5180% | 4,370 |
| Net loans and leases to deposits | 65.5145% | 4,320 |
| Net loans and leases to core deposits | 67.1563% | 4,577 |
| Total domestic deposits to total assets | 84.7416% | 4,017 |
| Equity capital to assets | 11.1779% | 2,576 |
| Core capital (leverage) ratio | 11.3550% | 2,051 |
| Tier 1 risk-based capital ratio | 18.0541% | 2,299 |
| Total risk-based capital ratio | 19.2973% | 2,264 |
| Memoranda: | ||
| Average total assets | $180,664,330 | 3,302 |
| Average earning assets | $161,760,670 | 3,362 |
| Average equity | $19,722,330 | 3,231 |
| Average total loans | $96,141,670 | 3,584 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 3,126 |
| Cost of funding earning assets | 0.5052% | 4,036 |
| Net interest margin | 3.7421% | 2,691 |
| Noninterest income to average assets | 0.6938% | 2,626 |
| Noninterest expense to average assets | 3.6557% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3886% | 5,171 |
| Return on assets (ROA) | 0.3886% | 5,317 |
| Pretax return on assets | 0.3886% | 5,600 |
| Return on Equity (ROE) | 3.6020% | 5,297 |
| Retained earnings to average equity (ytd only) | -4.5381% | 6,328 |
| Net charge-offs to loans | 0.3537% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.1325% | 3,121 |
| Efficiency ratio | 90.3909% | 1,109 |
| Assets per employee ($millions) | 2.6167% | 6,479 |
| Cash dividends to net income (ytd only)* | 225.9887% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 1,426 |
| Loan loss allowance to noncurrent loans | 226.7306% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5746% | 2,900 |
| Noncurrent loans to loans | 1.0094% | 4,111 |
| Net loans and leases to total assets | 50.3409% | 4,936 |
| Net loans and leases to deposits | 59.2148% | 4,884 |
| Net loans and leases to core deposits | 60.6661% | 5,079 |
| Total domestic deposits to total assets | 85.0140% | 4,031 |
| Equity capital to assets | 10.8299% | 3,169 |
| Core capital (leverage) ratio | 10.9829% | 2,277 |
| Tier 1 risk-based capital ratio | 18.2285% | 2,281 |
| Total risk-based capital ratio | 19.4881% | 2,239 |
| Memoranda: | ||
| Average total assets | $182,183,000 | 3,320 |
| Average earning assets | $163,119,000 | 3,386 |
| Average equity | $19,656,000 | 3,290 |
| Average total loans | $93,862,000 | 3,656 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 3,079 |
| Cost of funding earning assets | 0.6624% | 3,808 |
| Net interest margin | 3.9181% | 2,752 |
| Noninterest income to average assets | 1.0352% | 1,446 |
| Noninterest expense to average assets | 3.7291% | 1,363 |
| Loan and lease loss provision to assets | 0.0334% | 5,471 |
| Net operating income to assets | 0.7655% | 3,437 |
| Return on assets (ROA) | 0.7666% | 3,684 |
| Pretax return on assets | 0.7666% | 4,426 |
| Return on Equity (ROE) | 7.2657% | 3,488 |
| Retained earnings to average equity (ytd only) | 5.7170% | 2,240 |
| Net charge-offs to loans | 0.8844% | 1,290 |
| Credit loss provision to net charge-offs | 7.3850% | 5,421 |
| Earnings coverage of net charge-offs (x) | 1.7639% | 4,552 |
| Efficiency ratio | 82.3565% | 1,824 |
| Assets per employee ($millions) | 2.7031% | 6,423 |
| Cash dividends to net income (ytd only)* | 21.3162% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 1,319 |
| Loan loss allowance to noncurrent loans | 250.7937% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 1.6424% | 2,936 |
| Noncurrent loans to loans | 0.9313% | 4,330 |
| Net loans and leases to total assets | 50.3180% | 5,120 |
| Net loans and leases to deposits | 59.3650% | 5,089 |
| Net loans and leases to core deposits | 61.0088% | 5,271 |
| Total domestic deposits to total assets | 84.7604% | 3,961 |
| Equity capital to assets | 10.7491% | 3,220 |
| Core capital (leverage) ratio | 10.6715% | 2,574 |
| Tier 1 risk-based capital ratio | 19.1706% | 1,912 |
| Total risk-based capital ratio | 20.4316% | 1,885 |
| Memoranda: | ||
| Average total assets | $182,374,200 | 3,282 |
| Average earning assets | $162,580,200 | 3,337 |
| Average equity | $19,241,000 | 3,300 |
| Average total loans | $93,394,000 | 3,664 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 3,354 |
| Cost of funding earning assets | 0.6888% | 3,865 |
| Net interest margin | 3.8770% | 2,997 |
| Noninterest income to average assets | 1.0109% | 1,472 |
| Noninterest expense to average assets | 3.6084% | 1,545 |
| Loan and lease loss provision to assets | 0.0447% | 5,213 |
| Net operating income to assets | 0.8131% | 3,383 |
| Return on assets (ROA) | 0.8131% | 3,624 |
| Pretax return on assets | 0.8131% | 4,435 |
| Return on Equity (ROE) | 7.7437% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.0601% | 2,092 |
| Net charge-offs to loans | 1.1977% | 813 |
| Credit loss provision to net charge-offs | 7.2967% | 5,106 |
| Earnings coverage of net charge-offs (x) | 1.4007% | 4,593 |
| Efficiency ratio | 80.7938% | 1,976 |
| Assets per employee ($millions) | 2.9050% | 6,210 |
| Cash dividends to net income (ytd only)* | 8.8286% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3868% | 1,384 |
| Loan loss allowance to noncurrent loans | 151.0288% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 1.8849% | 2,805 |
| Noncurrent loans to loans | 1.5804% | 3,419 |
| Net loans and leases to total assets | 46.9690% | 5,661 |
| Net loans and leases to deposits | 54.8821% | 5,727 |
| Net loans and leases to core deposits | 56.3658% | 5,865 |
| Total domestic deposits to total assets | 85.5815% | 3,470 |
| Equity capital to assets | 10.2919% | 4,090 |
| Core capital (leverage) ratio | 10.6711% | 2,732 |
| Tier 1 risk-based capital ratio | 18.3244% | 2,222 |
| Total risk-based capital ratio | 19.5839% | 2,191 |
| Memoranda: | ||
| Average total assets | $182,015,000 | 3,310 |
| Average earning assets | $162,217,750 | 3,386 |
| Average equity | $19,111,750 | 3,339 |
| Average total loans | $93,067,000 | 3,711 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6256% | 3,251 |
| Cost of funding earning assets | 0.7200% | 3,853 |
| Net interest margin | 3.9056% | 2,883 |
| Noninterest income to average assets | 0.9945% | 1,483 |
| Noninterest expense to average assets | 3.6593% | 1,451 |
| Loan and lease loss provision to assets | 0.0682% | 4,774 |
| Net operating income to assets | 0.7384% | 3,657 |
| Return on assets (ROA) | 0.7384% | 3,933 |
| Pretax return on assets | 0.7384% | 4,713 |
| Return on Equity (ROE) | 6.9824% | 3,793 |
| Retained earnings to average equity (ytd only) | 5.9456% | 2,742 |
| Net charge-offs to loans | 1.9756% | 430 |
| Credit loss provision to net charge-offs | 6.6161% | 4,770 |
| Earnings coverage of net charge-offs (x) | 0.7820% | 4,669 |
| Efficiency ratio | 81.9389% | 1,886 |
| Assets per employee ($millions) | 2.7622% | 6,459 |
| Cash dividends to net income (ytd only)* | 14.8485% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2904% | 1,603 |
| Loan loss allowance to noncurrent loans | 119.6833% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.2240% | 2,516 |
| Noncurrent loans to loans | 1.9137% | 3,055 |
| Net loans and leases to total assets | 50.2785% | 5,321 |
| Net loans and leases to deposits | 59.0651% | 5,330 |
| Net loans and leases to core deposits | 61.4737% | 5,436 |
| Total domestic deposits to total assets | 85.1238% | 3,804 |
| Equity capital to assets | 10.6749% | 3,485 |
| Core capital (leverage) ratio | 10.7225% | 2,576 |
| Tier 1 risk-based capital ratio | 16.9329% | 2,699 |
| Total risk-based capital ratio | 18.1904% | 2,652 |
| Memoranda: | ||
| Average total assets | $178,775,670 | 3,371 |
| Average earning assets | $158,899,330 | 3,447 |
| Average equity | $18,904,670 | 3,367 |
| Average total loans | $93,337,000 | 3,726 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2297% | 1,256 |
| Cost of funding earning assets | 0.5869% | 5,238 |
| Net interest margin | 4.6428% | 758 |
| Noninterest income to average assets | 1.1682% | 1,047 |
| Noninterest expense to average assets | 4.1999% | 740 |
| Loan and lease loss provision to assets | 0.2509% | 2,451 |
| Net operating income to assets | 0.7528% | 3,609 |
| Return on assets (ROA) | 0.7528% | 3,845 |
| Pretax return on assets | 0.7528% | 4,596 |
| Return on Equity (ROE) | 7.5894% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.5894% | 2,130 |
| Net charge-offs to loans | 2.4863% | 333 |
| Credit loss provision to net charge-offs | 17.7326% | 3,809 |
| Earnings coverage of net charge-offs (x) | 0.7093% | 3,982 |
| Efficiency ratio | 80.7115% | 2,116 |
| Assets per employee ($millions) | 2.1995% | 7,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5529% | 1,284 |
| Loan loss allowance to noncurrent loans | 93.6000% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 2.8410% | 2,061 |
| Noncurrent loans to loans | 2.7274% | 2,389 |
| Net loans and leases to total assets | 54.1464% | 4,695 |
| Net loans and leases to deposits | 62.3059% | 4,870 |
| Net loans and leases to core deposits | 62.7839% | 5,248 |
| Total domestic deposits to total assets | 86.9042% | 3,012 |
| Equity capital to assets | 9.8194% | 4,347 |
| Core capital (leverage) ratio | 10.1077% | 3,230 |
| Tier 1 risk-based capital ratio | 15.9976% | 3,180 |
| Total risk-based capital ratio | 17.2597% | 3,139 |
| Memoranda: | ||
| Average total assets | $97,240,000 | 5,013 |
| Average earning assets | $84,517,500 | 5,127 |
| Average equity | $9,645,000 | 5,135 |
| Average total loans | $55,343,500 | 5,002 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 1,792 |
| Cost of funding earning assets | 0.8268% | 4,654 |
| Net interest margin | 4.4478% | 1,268 |
| Noninterest income to average assets | 0.8785% | 1,750 |
| Noninterest expense to average assets | 4.2435% | 767 |
| Loan and lease loss provision to assets | 0.8743% | 1,111 |
| Net operating income to assets | -0.4205% | 6,433 |
| Return on assets (ROA) | -0.4205% | 6,484 |
| Pretax return on assets | -0.4205% | 6,434 |
| Return on Equity (ROE) | -4.2392% | 6,485 |
| Retained earnings to average equity (ytd only) | -4.2392% | 6,390 |
| Net charge-offs to loans | 0.9100% | 1,908 |
| Credit loss provision to net charge-offs | 164.3836% | 1,660 |
| Earnings coverage of net charge-offs (x) | 0.8532% | 5,159 |
| Efficiency ratio | 90.3390% | 1,158 |
| Assets per employee ($millions) | 2.1223% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0293% | 791 |
| Loan loss allowance to noncurrent loans | 76.4040% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 3.7360% | 1,560 |
| Noncurrent loans to loans | 3.9648% | 1,577 |
| Net loans and leases to total assets | 56.5465% | 4,615 |
| Net loans and leases to deposits | 64.9777% | 4,878 |
| Net loans and leases to core deposits | 66.0087% | 5,250 |
| Total domestic deposits to total assets | 87.0244% | 2,746 |
| Equity capital to assets | 10.0218% | 4,142 |
| Core capital (leverage) ratio | 9.7145% | 3,727 |
| Tier 1 risk-based capital ratio | 15.2561% | 3,479 |
| Total risk-based capital ratio | 16.5231% | 3,427 |
| Memoranda: | ||
| Average total assets | $96,075,800 | 5,008 |
| Average earning assets | $82,490,600 | 5,156 |
| Average equity | $9,530,200 | 5,143 |
| Average total loans | $56,155,400 | 5,022 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2792% | 1,944 |
| Cost of funding earning assets | 0.8782% | 4,561 |
| Net interest margin | 4.4009% | 1,405 |
| Noninterest income to average assets | 0.8370% | 1,892 |
| Noninterest expense to average assets | 4.2361% | 767 |
| Loan and lease loss provision to assets | 0.7940% | 1,176 |
| Net operating income to assets | -0.4226% | 6,597 |
| Return on assets (ROA) | -0.4226% | 6,647 |
| Pretax return on assets | -0.4226% | 6,580 |
| Return on Equity (ROE) | -4.2716% | 6,642 |
| Retained earnings to average equity (ytd only) | -4.2716% | 6,535 |
| Net charge-offs to loans | 0.5094% | 2,722 |
| Credit loss provision to net charge-offs | 266.5116% | 1,073 |
| Earnings coverage of net charge-offs (x) | 1.2465% | 4,681 |
| Efficiency ratio | 91.9398% | 1,035 |
| Assets per employee ($millions) | 2.2417% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1836% | 737 |
| Loan loss allowance to noncurrent loans | 65.8480% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 4.1050% | 1,493 |
| Noncurrent loans to loans | 4.8348% | 1,325 |
| Net loans and leases to total assets | 51.7318% | 5,482 |
| Net loans and leases to deposits | 59.6012% | 5,678 |
| Net loans and leases to core deposits | 60.8344% | 5,918 |
| Total domestic deposits to total assets | 86.7967% | 2,775 |
| Equity capital to assets | 9.6049% | 4,929 |
| Core capital (leverage) ratio | 9.5981% | 3,997 |
| Tier 1 risk-based capital ratio | 15.0031% | 3,658 |
| Total risk-based capital ratio | 16.2713% | 3,617 |
| Memoranda: | ||
| Average total assets | $96,219,250 | 5,032 |
| Average earning assets | $82,435,250 | 5,205 |
| Average equity | $9,520,000 | 5,171 |
| Average total loans | $56,271,750 | 5,066 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 1,723 |
| Cost of funding earning assets | 0.9345% | 4,427 |
| Net interest margin | 4.4136% | 1,329 |
| Noninterest income to average assets | 0.8092% | 1,975 |
| Noninterest expense to average assets | 4.4366% | 641 |
| Loan and lease loss provision to assets | 1.0162% | 847 |
| Net operating income to assets | -0.8620% | 6,895 |
| Return on assets (ROA) | -0.8620% | 6,898 |
| Pretax return on assets | -0.8620% | 6,848 |
| Return on Equity (ROE) | -8.6224% | 6,887 |
| Retained earnings to average equity (ytd only) | -8.6224% | 6,804 |
| Net charge-offs to loans | 0.3785% | 3,037 |
| Credit loss provision to net charge-offs | 445.3704% | 682 |
| Earnings coverage of net charge-offs (x) | 0.6759% | 4,785 |
| Efficiency ratio | 96.6406% | 847 |
| Assets per employee ($millions) | 2.0686% | 7,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1693% | 783 |
| Loan loss allowance to noncurrent loans | 71.7067% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 4.0767% | 1,570 |
| Noncurrent loans to loans | 4.4199% | 1,515 |
| Net loans and leases to total assets | 56.8123% | 4,846 |
| Net loans and leases to deposits | 66.0852% | 4,993 |
| Net loans and leases to core deposits | 67.8957% | 5,298 |
| Total domestic deposits to total assets | 85.9683% | 3,343 |
| Equity capital to assets | 10.2794% | 3,780 |
| Core capital (leverage) ratio | 10.0778% | 3,168 |
| Tier 1 risk-based capital ratio | 15.3771% | 3,306 |
| Total risk-based capital ratio | 16.6444% | 3,245 |
| Memoranda: | ||
| Average total assets | $94,667,000 | 5,121 |
| Average earning assets | $81,112,670 | 5,288 |
| Average equity | $9,463,670 | 5,196 |
| Average total loans | $57,062,000 | 5,082 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 1,737 |
| Cost of funding earning assets | 0.9611% | 4,490 |
| Net interest margin | 4.3840% | 1,327 |
| Noninterest income to average assets | 0.8171% | 1,963 |
| Noninterest expense to average assets | 4.2365% | 788 |
| Loan and lease loss provision to assets | 1.6343% | 373 |
| Net operating income to assets | -1.3074% | 7,137 |
| Return on assets (ROA) | -1.3074% | 7,142 |
| Pretax return on assets | -1.3074% | 7,100 |
| Return on Equity (ROE) | -13.2611% | 7,107 |
| Retained earnings to average equity (ytd only) | -13.2611% | 6,985 |
| Net charge-offs to loans | 0.3569% | 2,635 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,583 |
| Efficiency ratio | 92.8375% | 1,106 |
| Assets per employee ($millions) | 2.0619% | 7,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0187% | 906 |
| Loan loss allowance to noncurrent loans | 50.9769% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 5.8104% | 1,015 |
| Noncurrent loans to loans | 5.9217% | 1,075 |
| Net loans and leases to total assets | 57.4473% | 4,728 |
| Net loans and leases to deposits | 66.8593% | 4,851 |
| Net loans and leases to core deposits | 68.7048% | 5,204 |
| Total domestic deposits to total assets | 85.9226% | 3,567 |
| Equity capital to assets | 10.1838% | 3,555 |
| Core capital (leverage) ratio | 10.0592% | 3,081 |
| Tier 1 risk-based capital ratio | 14.2088% | 3,936 |
| Total risk-based capital ratio | 15.3741% | 3,961 |
| Memoranda: | ||
| Average total assets | $95,456,000 | 5,118 |
| Average earning assets | $81,570,000 | 5,313 |
| Average equity | $9,411,000 | 5,201 |
| Average total loans | $58,284,500 | 5,076 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9891% | 866 |
| Cost of funding earning assets | 1.1050% | 5,110 |
| Net interest margin | 4.8841% | 564 |
| Noninterest income to average assets | 0.7391% | 2,598 |
| Noninterest expense to average assets | 4.6829% | 555 |
| Loan and lease loss provision to assets | 1.1220% | 1,422 |
| Net operating income to assets | -0.8964% | 6,630 |
| Return on assets (ROA) | -0.8974% | 6,657 |
| Pretax return on assets | -0.8974% | 6,575 |
| Return on Equity (ROE) | -8.7756% | 6,665 |
| Retained earnings to average equity (ytd only) | -8.7756% | 6,579 |
| Net charge-offs to loans | 1.7725% | 1,193 |
| Credit loss provision to net charge-offs | 99.0090% | 4,673 |
| Earnings coverage of net charge-offs (x) | 0.1991% | 5,908 |
| Efficiency ratio | 95.4035% | 990 |
| Assets per employee ($millions) | 2.0014% | 7,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2489% | 1,778 |
| Loan loss allowance to noncurrent loans | 38.9000% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 5.9075% | 1,014 |
| Noncurrent loans to loans | 5.7811% | 1,099 |
| Net loans and leases to total assets | 61.4459% | 4,406 |
| Net loans and leases to deposits | 70.7210% | 4,722 |
| Net loans and leases to core deposits | 72.2055% | 5,186 |
| Total domestic deposits to total assets | 86.8849% | 2,887 |
| Equity capital to assets | 9.5383% | 4,352 |
| Core capital (leverage) ratio | 9.3481% | 3,932 |
| Tier 1 risk-based capital ratio | 13.1367% | 4,495 |
| Total risk-based capital ratio | 14.4089% | 4,439 |
| Memoranda: | ||
| Average total assets | $97,952,400 | 5,049 |
| Average earning assets | $83,618,600 | 5,224 |
| Average equity | $10,016,400 | 5,126 |
| Average total loans | $62,623,200 | 4,970 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0759% | 797 |
| Cost of funding earning assets | 1.1339% | 5,228 |
| Net interest margin | 4.9421% | 503 |
| Noninterest income to average assets | 0.7532% | 2,490 |
| Noninterest expense to average assets | 4.2008% | 827 |
| Loan and lease loss provision to assets | 0.3698% | 3,681 |
| Net operating income to assets | 0.3983% | 4,758 |
| Return on assets (ROA) | 0.3969% | 4,944 |
| Pretax return on assets | 0.3969% | 5,227 |
| Return on Equity (ROE) | 3.8189% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.8189% | 3,772 |
| Net charge-offs to loans | 0.4727% | 3,384 |
| Credit loss provision to net charge-offs | 121.8750% | 3,372 |
| Earnings coverage of net charge-offs (x) | 2.5312% | 3,900 |
| Efficiency ratio | 84.5420% | 1,780 |
| Assets per employee ($millions) | 1.8307% | 7,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2763% | 1,659 |
| Loan loss allowance to noncurrent loans | 34.4426% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 6.1695% | 957 |
| Noncurrent loans to loans | 6.6090% | 892 |
| Net loans and leases to total assets | 61.5792% | 4,619 |
| Net loans and leases to deposits | 72.1348% | 4,822 |
| Net loans and leases to core deposits | 73.7837% | 5,319 |
| Total domestic deposits to total assets | 85.3669% | 3,422 |
| Equity capital to assets | 10.5040% | 3,512 |
| Core capital (leverage) ratio | 10.3518% | 2,855 |
| Tier 1 risk-based capital ratio | 14.0623% | 3,788 |
| Total risk-based capital ratio | 14.2840% | 4,532 |
| Memoranda: | ||
| Average total assets | $98,424,250 | 5,096 |
| Average earning assets | $83,957,500 | 5,271 |
| Average equity | $10,229,750 | 5,127 |
| Average total loans | $63,182,500 | 5,012 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1422% | 694 |
| Cost of funding earning assets | 1.1689% | 5,292 |
| Net interest margin | 4.9733% | 446 |
| Noninterest income to average assets | 0.7489% | 2,400 |
| Noninterest expense to average assets | 4.2145% | 805 |
| Loan and lease loss provision to assets | 0.3683% | 3,498 |
| Net operating income to assets | 0.4172% | 4,675 |
| Return on assets (ROA) | 0.4151% | 4,843 |
| Pretax return on assets | 0.4151% | 5,177 |
| Return on Equity (ROE) | 4.0085% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.0085% | 3,528 |
| Net charge-offs to loans | 0.6459% | 2,606 |
| Credit loss provision to net charge-offs | 88.2927% | 4,469 |
| Earnings coverage of net charge-offs (x) | 1.8829% | 4,112 |
| Efficiency ratio | 84.2898% | 1,889 |
| Assets per employee ($millions) | 2.0142% | 7,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1843% | 1,797 |
| Loan loss allowance to noncurrent loans | 35.4788% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 5.8027% | 1,034 |
| Noncurrent loans to loans | 6.1567% | 1,024 |
| Net loans and leases to total assets | 61.0264% | 4,871 |
| Net loans and leases to deposits | 71.3110% | 5,104 |
| Net loans and leases to core deposits | 73.5373% | 5,495 |
| Total domestic deposits to total assets | 85.5778% | 3,330 |
| Equity capital to assets | 10.4463% | 3,481 |
| Core capital (leverage) ratio | 10.4290% | 2,682 |
| Tier 1 risk-based capital ratio | 13.6894% | 3,948 |
| Total risk-based capital ratio | 14.9473% | 3,904 |
| Memoranda: | ||
| Average total assets | $98,279,670 | 5,131 |
| Average earning assets | $84,008,670 | 5,301 |
| Average equity | $10,178,330 | 5,151 |
| Average total loans | $63,478,670 | 5,034 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0549% | 876 |
| Cost of funding earning assets | 1.1777% | 5,523 |
| Net interest margin | 4.8772% | 549 |
| Noninterest income to average assets | 0.7138% | 2,506 |
| Noninterest expense to average assets | 4.3601% | 672 |
| Loan and lease loss provision to assets | 0.3671% | 3,167 |
| Net operating income to assets | 0.1754% | 5,772 |
| Return on assets (ROA) | 0.1754% | 5,896 |
| Pretax return on assets | 0.1754% | 5,954 |
| Return on Equity (ROE) | 1.7009% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.7009% | 5,088 |
| Net charge-offs to loans | 0.2794% | 3,294 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 2.9556% | 3,074 |
| Efficiency ratio | 88.9351% | 1,511 |
| Assets per employee ($millions) | 1.8928% | 7,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2564% | 1,651 |
| Loan loss allowance to noncurrent loans | 42.8485% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 6.2394% | 938 |
| Noncurrent loans to loans | 5.2660% | 1,347 |
| Net loans and leases to total assets | 62.2334% | 4,714 |
| Net loans and leases to deposits | 72.8497% | 4,938 |
| Net loans and leases to core deposits | 75.9178% | 5,268 |
| Total domestic deposits to total assets | 85.4272% | 3,452 |
| Equity capital to assets | 10.2933% | 3,484 |
| Core capital (leverage) ratio | 10.3574% | 2,760 |
| Tier 1 risk-based capital ratio | 13.3348% | 4,100 |
| Total risk-based capital ratio | 14.3788% | 4,207 |
| Memoranda: | ||
| Average total assets | $98,072,000 | 5,206 |
| Average earning assets | $84,229,000 | 5,354 |
| Average equity | $10,112,500 | 5,208 |
| Average total loans | $64,430,500 | 5,067 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8939% | 324 |
| Cost of funding earning assets | 1.4535% | 5,706 |
| Net interest margin | 5.4403% | 200 |
| Noninterest income to average assets | 0.8233% | 2,294 |
| Noninterest expense to average assets | 4.7036% | 647 |
| Loan and lease loss provision to assets | 1.5842% | 1,448 |
| Net operating income to assets | -0.7141% | 6,380 |
| Return on assets (ROA) | -0.7131% | 6,374 |
| Pretax return on assets | -0.7131% | 6,206 |
| Return on Equity (ROE) | -6.5793% | 6,351 |
| Retained earnings to average equity (ytd only) | -9.4566% | 6,473 |
| Net charge-offs to loans | 1.2880% | 1,931 |
| Credit loss provision to net charge-offs | 171.4286% | 2,480 |
| Earnings coverage of net charge-offs (x) | 0.9415% | 5,169 |
| Efficiency ratio | 84.3902% | 2,302 |
| Assets per employee ($millions) | 1.8096% | 7,819 |
| Cash dividends to net income (ytd only)* | -43.7318% | 7,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0696% | 1,872 |
| Loan loss allowance to noncurrent loans | 45.4395% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 4.7267% | 1,340 |
| Noncurrent loans to loans | 4.5547% | 1,551 |
| Net loans and leases to total assets | 66.3368% | 4,072 |
| Net loans and leases to deposits | 77.7968% | 4,422 |
| Net loans and leases to core deposits | 87.3311% | 5,402 |
| Total domestic deposits to total assets | 85.2693% | 3,424 |
| Equity capital to assets | 10.3294% | 3,366 |
| Core capital (leverage) ratio | 10.7394% | 2,394 |
| Tier 1 risk-based capital ratio | 13.0633% | 4,100 |
| Total risk-based capital ratio | 14.3308% | 4,038 |
| Memoranda: | ||
| Average total assets | $96,202,600 | 5,195 |
| Average earning assets | $84,002,400 | 5,329 |
| Average equity | $10,426,600 | 5,183 |
| Average total loans | $69,023,800 | 4,901 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0317% | 285 |
| Cost of funding earning assets | 1.5055% | 5,793 |
| Net interest margin | 5.5261% | 177 |
| Noninterest income to average assets | 0.8321% | 2,280 |
| Noninterest expense to average assets | 4.7559% | 588 |
| Loan and lease loss provision to assets | 1.6071% | 1,177 |
| Net operating income to assets | -0.6943% | 6,599 |
| Return on assets (ROA) | -0.6943% | 6,612 |
| Pretax return on assets | -0.6943% | 6,479 |
| Return on Equity (ROE) | -6.3305% | 6,588 |
| Retained earnings to average equity (ytd only) | -10.1364% | 6,817 |
| Net charge-offs to loans | 1.0899% | 1,827 |
| Credit loss provision to net charge-offs | 202.6316% | 2,200 |
| Earnings coverage of net charge-offs (x) | 1.1509% | 4,916 |
| Efficiency ratio | 83.8979% | 2,309 |
| Assets per employee ($millions) | 1.6401% | 7,953 |
| Cash dividends to net income (ytd only)* | -60.1199% | 7,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9623% | 1,886 |
| Loan loss allowance to noncurrent loans | 42.0248% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 4.5771% | 1,328 |
| Noncurrent loans to loans | 4.6693% | 1,474 |
| Net loans and leases to total assets | 70.5427% | 3,377 |
| Net loans and leases to deposits | 83.7469% | 3,689 |
| Net loans and leases to core deposits | 95.2456% | 4,901 |
| Total domestic deposits to total assets | 84.2333% | 3,607 |
| Equity capital to assets | 11.0217% | 2,988 |
| Core capital (leverage) ratio | 10.9864% | 2,413 |
| Tier 1 risk-based capital ratio | 13.1692% | 4,074 |
| Total risk-based capital ratio | 14.4236% | 4,008 |
| Memoranda: | ||
| Average total assets | $95,823,000 | 5,248 |
| Average earning assets | $83,866,250 | 5,380 |
| Average equity | $10,509,750 | 5,197 |
| Average total loans | $69,731,000 | 4,925 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0552% | 287 |
| Cost of funding earning assets | 1.5469% | 5,938 |
| Net interest margin | 5.5083% | 180 |
| Noninterest income to average assets | 0.7764% | 2,542 |
| Noninterest expense to average assets | 4.7639% | 607 |
| Loan and lease loss provision to assets | 2.2484% | 713 |
| Net operating income to assets | -1.3996% | 7,200 |
| Return on assets (ROA) | -1.3996% | 7,208 |
| Pretax return on assets | -1.3996% | 7,037 |
| Return on Equity (ROE) | -12.7808% | 7,217 |
| Retained earnings to average equity (ytd only) | -18.4528% | 7,405 |
| Net charge-offs to loans | 1.4372% | 1,315 |
| Credit loss provision to net charge-offs | 214.2012% | 2,151 |
| Earnings coverage of net charge-offs (x) | 0.8087% | 4,927 |
| Efficiency ratio | 84.8764% | 2,375 |
| Assets per employee ($millions) | 1.6049% | 8,048 |
| Cash dividends to net income (ytd only)* | -44.3787% | 7,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 1,786 |
| Loan loss allowance to noncurrent loans | 26.6100% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 5.3649% | 944 |
| Noncurrent loans to loans | 7.1462% | 671 |
| Net loans and leases to total assets | 72.8201% | 2,997 |
| Net loans and leases to deposits | 89.8209% | 2,863 |
| Net loans and leases to core deposits | 103.4680% | 4,126 |
| Total domestic deposits to total assets | 81.0725% | 5,055 |
| Equity capital to assets | 10.8468% | 3,060 |
| Core capital (leverage) ratio | 10.0284% | 3,266 |
| Tier 1 risk-based capital ratio | 12.8471% | 4,244 |
| Total risk-based capital ratio | 14.5242% | 3,874 |
| Memoranda: | ||
| Average total assets | $96,601,330 | 5,262 |
| Average earning assets | $84,817,330 | 5,385 |
| Average equity | $10,578,330 | 5,191 |
| Average total loans | $70,551,670 | 4,935 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6253% | 674 |
| Cost of funding earning assets | 1.5777% | 6,129 |
| Net interest margin | 5.0477% | 362 |
| Noninterest income to average assets | 0.7076% | 2,842 |
| Noninterest expense to average assets | 4.7052% | 593 |
| Loan and lease loss provision to assets | 1.4966% | 843 |
| Net operating income to assets | -1.0574% | 7,288 |
| Return on assets (ROA) | -1.0574% | 7,299 |
| Pretax return on assets | -1.0574% | 7,174 |
| Return on Equity (ROE) | -9.6127% | 7,338 |
| Retained earnings to average equity (ytd only) | -20.7043% | 7,664 |
| Net charge-offs to loans | 0.4882% | 2,239 |
| Credit loss provision to net charge-offs | 422.9885% | 1,250 |
| Earnings coverage of net charge-offs (x) | 1.2414% | 4,127 |
| Efficiency ratio | 91.4625% | 1,615 |
| Assets per employee ($millions) | 1.7468% | 8,041 |
| Cash dividends to net income (ytd only)* | -115.3846% | 8,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 3,350 |
| Loan loss allowance to noncurrent loans | 16.8045% | 7,321 |
| Noncurrent assets plus other real estate owned to assets | 5.9674% | 669 |
| Noncurrent loans to loans | 8.5023% | 402 |
| Net loans and leases to total assets | 69.1829% | 3,876 |
| Net loans and leases to deposits | 80.6271% | 4,513 |
| Net loans and leases to core deposits | 91.7197% | 5,376 |
| Total domestic deposits to total assets | 85.8059% | 2,822 |
| Equity capital to assets | 10.3734% | 3,586 |
| Core capital (leverage) ratio | 10.6807% | 2,756 |
| Tier 1 risk-based capital ratio | 13.0607% | 4,153 |
| Total risk-based capital ratio | 14.3276% | 4,048 |
| Memoranda: | ||
| Average total assets | $98,358,500 | 5,223 |
| Average earning assets | $86,456,000 | 5,337 |
| Average equity | $10,819,000 | 5,157 |
| Average total loans | $71,277,500 | 4,932 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0956% | 172 |
| Cost of funding earning assets | 2.0216% | 6,343 |
| Net interest margin | 6.0740% | 102 |
| Noninterest income to average assets | 0.8973% | 1,964 |
| Noninterest expense to average assets | 4.9630% | 636 |
| Loan and lease loss provision to assets | 0.2784% | 4,166 |
| Net operating income to assets | 0.9543% | 2,769 |
| Return on assets (ROA) | 0.9523% | 2,642 |
| Pretax return on assets | 0.9523% | 3,547 |
| Return on Equity (ROE) | 8.6004% | 2,791 |
| Retained earnings to average equity (ytd only) | -0.0723% | 5,284 |
| Net charge-offs to loans | 0.5268% | 2,258 |
| Credit loss provision to net charge-offs | 70.2020% | 6,069 |
| Earnings coverage of net charge-offs (x) | 3.1086% | 4,536 |
| Efficiency ratio | 80.1034% | 2,585 |
| Assets per employee ($millions) | 1.6448% | 8,116 |
| Cash dividends to net income (ytd only)* | 100.8412% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 5,786 |
| Loan loss allowance to noncurrent loans | 14.6123% | 7,406 |
| Noncurrent assets plus other real estate owned to assets | 5.2725% | 634 |
| Noncurrent loans to loans | 7.0404% | 432 |
| Net loans and leases to total assets | 74.1195% | 3,073 |
| Net loans and leases to deposits | 90.0764% | 3,441 |
| Net loans and leases to core deposits | 103.7945% | 4,410 |
| Total domestic deposits to total assets | 82.2851% | 4,088 |
| Equity capital to assets | 11.6646% | 2,522 |
| Core capital (leverage) ratio | 11.2187% | 2,419 |
| Tier 1 risk-based capital ratio | 13.8203% | 3,637 |
| Total risk-based capital ratio | 14.7409% | 3,724 |
| Memoranda: | ||
| Average total assets | $99,859,800 | 5,051 |
| Average earning assets | $87,108,800 | 5,181 |
| Average equity | $11,057,600 | 5,103 |
| Average total loans | $75,169,800 | 4,683 |