Home > Community Bank-Wheaton/Glen Ellyn > Performance and Condition Ratios
Community Bank-Wheaton/Glen Ellyn, Performance and Condition Ratios
| 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 | 3.4064% | 5,216 |
| Cost of funding earning assets | 0.3763% | 3,538 |
| Net interest margin | 3.0301% | 5,151 |
| Noninterest income to average assets | 0.4843% | 3,472 |
| Noninterest expense to average assets | 2.4407% | 4,427 |
| Loan and lease loss provision to assets | 0.0147% | 3,830 |
| Net operating income to assets | 0.5388% | 4,617 |
| Return on assets (ROA) | 0.5436% | 4,693 |
| Pretax return on assets | 0.7343% | 4,548 |
| Return on Equity (ROE) | 6.2572% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.2572% | 2,086 |
| Net charge-offs to loans | 0.1031% | 1,975 |
| Credit loss provision to net charge-offs | 26.5957% | 2,957 |
| Earnings coverage of net charge-offs (x) | 13.4574% | 2,132 |
| Efficiency ratio | 76.6734% | 2,255 |
| Assets per employee ($millions) | 4.5963% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 3,127 |
| Loan loss allowance to noncurrent loans | 210.9333% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 3,156 |
| Noncurrent loans to loans | 0.6261% | 3,595 |
| Net loans and leases to total assets | 52.8449% | 4,675 |
| Net loans and leases to deposits | 58.7132% | 4,945 |
| Net loans and leases to core deposits | 59.0305% | 5,133 |
| Total domestic deposits to total assets | 90.0051% | 663 |
| Equity capital to assets | 8.8981% | 5,346 |
| Core capital (leverage) ratio | 8.7941% | 5,229 |
| Tier 1 risk-based capital ratio | 15.1549% | 3,275 |
| Total risk-based capital ratio | 16.3849% | 3,221 |
| Memoranda: | ||
| Average total assets | $340,722,330 | 1,946 |
| Average earning assets | $303,492,000 | 2,026 |
| Average equity | $29,598,000 | 2,366 |
| Average total loans | $182,397,670 | 2,244 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 4,600 |
| Cost of funding earning assets | 0.3747% | 3,594 |
| Net interest margin | 3.2545% | 4,403 |
| Noninterest income to average assets | 0.4789% | 3,437 |
| Noninterest expense to average assets | 2.7263% | 3,499 |
| Loan and lease loss provision to assets | 0.0280% | 3,322 |
| Net operating income to assets | 0.5022% | 4,673 |
| Return on assets (ROA) | 0.5022% | 4,791 |
| Pretax return on assets | 0.6187% | 4,863 |
| Return on Equity (ROE) | 5.8502% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.8502% | 2,580 |
| Net charge-offs to loans | 0.0457% | 2,345 |
| Credit loss provision to net charge-offs | 114.2857% | 1,481 |
| Earnings coverage of net charge-offs (x) | 26.4286% | 1,240 |
| Efficiency ratio | 80.8290% | 1,781 |
| Assets per employee ($millions) | 4.3477% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 3,188 |
| Loan loss allowance to noncurrent loans | 201.4003% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 3,241 |
| Noncurrent loans to loans | 0.6652% | 3,619 |
| Net loans and leases to total assets | 52.4203% | 4,623 |
| Net loans and leases to deposits | 58.1184% | 4,907 |
| Net loans and leases to core deposits | 58.4250% | 5,092 |
| Total domestic deposits to total assets | 90.1957% | 652 |
| Equity capital to assets | 8.7023% | 5,573 |
| Core capital (leverage) ratio | 7.8758% | 5,996 |
| Tier 1 risk-based capital ratio | 12.5373% | 4,882 |
| Total risk-based capital ratio | 13.7201% | 4,838 |
| Memoranda: | ||
| Average total assets | $343,318,000 | 1,939 |
| Average earning assets | $305,298,500 | 2,020 |
| Average equity | $29,469,000 | 2,390 |
| Average total loans | $183,754,500 | 2,244 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,536 |
| Cost of funding earning assets | 0.4063% | 3,629 |
| Net interest margin | 3.3792% | 4,285 |
| Noninterest income to average assets | 0.5225% | 3,343 |
| Noninterest expense to average assets | 3.0415% | 2,721 |
| Loan and lease loss provision to assets | -0.0218% | 5,941 |
| Net operating income to assets | 1.6932% | 587 |
| Return on assets (ROA) | 1.6888% | 612 |
| Pretax return on assets | 0.5405% | 5,139 |
| Return on Equity (ROE) | 23.2746% | 144 |
| Retained earnings to average equity (ytd only) | 23.2746% | 48 |
| Net charge-offs to loans | -0.0093% | 5,543 |
| Credit loss provision to net charge-offs | 416.6667% | 622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3257% | 1,249 |
| Assets per employee ($millions) | 4.2366% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 3,318 |
| Loan loss allowance to noncurrent loans | 99.7549% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3542% | 2,067 |
| Noncurrent loans to loans | 1.3231% | 2,225 |
| Net loans and leases to total assets | 53.2028% | 4,667 |
| Net loans and leases to deposits | 58.8391% | 4,995 |
| Net loans and leases to core deposits | 59.3571% | 5,187 |
| Total domestic deposits to total assets | 90.4209% | 570 |
| Equity capital to assets | 8.4648% | 5,780 |
| Core capital (leverage) ratio | 7.8280% | 6,088 |
| Tier 1 risk-based capital ratio | 12.2358% | 5,201 |
| Total risk-based capital ratio | 13.4076% | 5,164 |
| Memoranda: | ||
| Average total assets | $344,503,600 | 1,891 |
| Average earning assets | $310,131,400 | 1,933 |
| Average equity | $24,997,200 | 2,659 |
| Average total loans | $193,546,600 | 2,084 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,514 |
| Cost of funding earning assets | 0.4110% | 3,671 |
| Net interest margin | 3.3970% | 4,255 |
| Noninterest income to average assets | 0.5498% | 3,202 |
| Noninterest expense to average assets | 3.0077% | 2,782 |
| Loan and lease loss provision to assets | 0.0429% | 3,541 |
| Net operating income to assets | 2.1064% | 278 |
| Return on assets (ROA) | 2.1080% | 288 |
| Pretax return on assets | 0.5784% | 5,092 |
| Return on Equity (ROE) | 30.3077% | 58 |
| Retained earnings to average equity (ytd only) | 30.3077% | 29 |
| Net charge-offs to loans | -0.0491% | 5,897 |
| Credit loss provision to net charge-offs | -154.1667% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9141% | 1,504 |
| Assets per employee ($millions) | 4.2442% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 3,206 |
| Loan loss allowance to noncurrent loans | 92.5466% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.5900% | 1,921 |
| Noncurrent loans to loans | 1.5064% | 2,153 |
| Net loans and leases to total assets | 56.5761% | 4,258 |
| Net loans and leases to deposits | 62.6256% | 4,684 |
| Net loans and leases to core deposits | 63.1897% | 4,949 |
| Total domestic deposits to total assets | 90.3402% | 599 |
| Equity capital to assets | 8.4131% | 5,867 |
| Core capital (leverage) ratio | 7.7109% | 6,213 |
| Tier 1 risk-based capital ratio | 11.6666% | 5,692 |
| Total risk-based capital ratio | 12.9116% | 5,615 |
| Memoranda: | ||
| Average total assets | $344,838,500 | 1,895 |
| Average earning assets | $312,420,250 | 1,927 |
| Average equity | $23,984,500 | 2,762 |
| Average total loans | $195,679,500 | 2,086 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,610 |
| Cost of funding earning assets | 0.4135% | 3,733 |
| Net interest margin | 3.3601% | 4,351 |
| Noninterest income to average assets | 0.5264% | 3,293 |
| Noninterest expense to average assets | 3.0073% | 2,801 |
| Loan and lease loss provision to assets | 0.1069% | 2,227 |
| Net operating income to assets | 0.4804% | 4,893 |
| Return on assets (ROA) | 0.4804% | 4,960 |
| Pretax return on assets | 0.4804% | 5,332 |
| Return on Equity (ROE) | 7.4059% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.4059% | 1,565 |
| Net charge-offs to loans | -0.0498% | 5,869 |
| Credit loss provision to net charge-offs | -379.5918% | 5,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6611% | 1,556 |
| Assets per employee ($millions) | 4.2083% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 3,310 |
| Loan loss allowance to noncurrent loans | 280.6982% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 3,071 |
| Noncurrent loans to loans | 0.5015% | 4,490 |
| Net loans and leases to total assets | 55.4888% | 4,348 |
| Net loans and leases to deposits | 60.8648% | 4,798 |
| Net loans and leases to core deposits | 61.4903% | 5,011 |
| Total domestic deposits to total assets | 91.1673% | 357 |
| Equity capital to assets | 6.8419% | 6,463 |
| Core capital (leverage) ratio | 7.2042% | 6,392 |
| Tier 1 risk-based capital ratio | 11.2140% | 5,947 |
| Total risk-based capital ratio | 12.4614% | 5,890 |
| Memoranda: | ||
| Average total assets | $348,022,000 | 1,876 |
| Average earning assets | $317,785,330 | 1,889 |
| Average equity | $22,576,670 | 2,891 |
| Average total loans | $196,781,000 | 2,075 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 4,678 |
| Cost of funding earning assets | 0.4180% | 3,785 |
| Net interest margin | 3.3302% | 4,421 |
| Noninterest income to average assets | 0.4601% | 3,710 |
| Noninterest expense to average assets | 2.9975% | 2,860 |
| Loan and lease loss provision to assets | 0.1557% | 1,556 |
| Net operating income to assets | 0.3434% | 5,337 |
| Return on assets (ROA) | 0.3434% | 5,398 |
| Pretax return on assets | 0.3434% | 5,611 |
| Return on Equity (ROE) | 5.4397% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.4397% | 2,825 |
| Net charge-offs to loans | -0.1454% | 6,272 |
| Credit loss provision to net charge-offs | -188.8889% | 4,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7283% | 1,480 |
| Assets per employee ($millions) | 4.1154% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 3,804 |
| Loan loss allowance to noncurrent loans | 245.8674% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 3,442 |
| Noncurrent loans to loans | 0.5522% | 4,507 |
| Net loans and leases to total assets | 56.2212% | 4,123 |
| Net loans and leases to deposits | 61.3267% | 4,622 |
| Net loans and leases to core deposits | 61.9450% | 4,887 |
| Total domestic deposits to total assets | 91.6748% | 334 |
| Equity capital to assets | 6.4170% | 6,533 |
| Core capital (leverage) ratio | 7.0303% | 6,462 |
| Tier 1 risk-based capital ratio | 10.7792% | 6,248 |
| Total risk-based capital ratio | 12.0058% | 6,219 |
| Memoranda: | ||
| Average total assets | $349,492,000 | 1,875 |
| Average earning assets | $318,658,500 | 1,896 |
| Average equity | $22,060,000 | 2,935 |
| Average total loans | $198,063,500 | 2,067 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 4,723 |
| Cost of funding earning assets | 0.4859% | 3,758 |
| Net interest margin | 3.3385% | 4,523 |
| Noninterest income to average assets | 0.6206% | 2,972 |
| Noninterest expense to average assets | 3.8745% | 1,027 |
| Loan and lease loss provision to assets | 0.4038% | 735 |
| Net operating income to assets | -0.6931% | 6,542 |
| Return on assets (ROA) | -0.6775% | 6,542 |
| Pretax return on assets | -0.6362% | 6,521 |
| Return on Equity (ROE) | -10.4397% | 6,590 |
| Retained earnings to average equity (ytd only) | -10.4397% | 6,545 |
| Net charge-offs to loans | 0.9762% | 609 |
| Credit loss provision to net charge-offs | 72.8061% | 3,230 |
| Earnings coverage of net charge-offs (x) | -0.4469% | 5,188 |
| Efficiency ratio | 106.8357% | 323 |
| Assets per employee ($millions) | 4.1569% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 4,293 |
| Loan loss allowance to noncurrent loans | 213.2253% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9855% | 3,442 |
| Noncurrent loans to loans | 0.5957% | 4,496 |
| Net loans and leases to total assets | 55.6324% | 4,369 |
| Net loans and leases to deposits | 60.5481% | 4,889 |
| Net loans and leases to core deposits | 61.3525% | 5,118 |
| Total domestic deposits to total assets | 91.8812% | 307 |
| Equity capital to assets | 6.2069% | 6,602 |
| Core capital (leverage) ratio | 6.8269% | 6,556 |
| Tier 1 risk-based capital ratio | 10.7724% | 6,274 |
| Total risk-based capital ratio | 11.9189% | 6,263 |
| Memoranda: | ||
| Average total assets | $353,359,400 | 1,834 |
| Average earning assets | $318,167,400 | 1,873 |
| Average equity | $22,931,800 | 2,833 |
| Average total loans | $200,786,000 | 1,993 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 4,895 |
| Cost of funding earning assets | 0.4993% | 3,774 |
| Net interest margin | 3.2897% | 4,681 |
| Noninterest income to average assets | 0.6147% | 3,056 |
| Noninterest expense to average assets | 4.1195% | 751 |
| Loan and lease loss provision to assets | 0.5342% | 501 |
| Net operating income to assets | -1.1365% | 6,726 |
| Return on assets (ROA) | -1.1158% | 6,721 |
| Pretax return on assets | -1.0609% | 6,703 |
| Return on Equity (ROE) | -17.0115% | 6,753 |
| Retained earnings to average equity (ytd only) | -17.0115% | 6,731 |
| Net charge-offs to loans | 1.2607% | 423 |
| Credit loss provision to net charge-offs | 74.4235% | 2,977 |
| Earnings coverage of net charge-offs (x) | -0.7626% | 4,984 |
| Efficiency ratio | 115.3239% | 211 |
| Assets per employee ($millions) | 4.0397% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 4,517 |
| Loan loss allowance to noncurrent loans | 126.8828% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 2.3980% | 1,623 |
| Noncurrent loans to loans | 1.0050% | 3,796 |
| Net loans and leases to total assets | 56.0386% | 4,318 |
| Net loans and leases to deposits | 60.9318% | 4,870 |
| Net loans and leases to core deposits | 61.8752% | 5,130 |
| Total domestic deposits to total assets | 91.9694% | 250 |
| Equity capital to assets | 6.1479% | 6,680 |
| Core capital (leverage) ratio | 6.7140% | 6,639 |
| Tier 1 risk-based capital ratio | 10.2537% | 6,523 |
| Total risk-based capital ratio | 11.3919% | 6,531 |
| Memoranda: | ||
| Average total assets | $354,404,750 | 1,839 |
| Average earning assets | $318,602,000 | 1,882 |
| Average equity | $23,246,500 | 2,820 |
| Average total loans | $201,793,750 | 1,996 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 5,010 |
| Cost of funding earning assets | 0.5140% | 3,766 |
| Net interest margin | 3.2295% | 4,838 |
| Noninterest income to average assets | 0.6117% | 3,123 |
| Noninterest expense to average assets | 4.1898% | 704 |
| Loan and lease loss provision to assets | 0.7316% | 304 |
| Net operating income to assets | -1.4891% | 6,811 |
| Return on assets (ROA) | -1.4581% | 6,812 |
| Pretax return on assets | -1.3760% | 6,790 |
| Return on Equity (ROE) | -21.7795% | 6,835 |
| Retained earnings to average equity (ytd only) | -21.7795% | 6,812 |
| Net charge-offs to loans | 1.8740% | 245 |
| Credit loss provision to net charge-offs | 68.4932% | 2,852 |
| Earnings coverage of net charge-offs (x) | -0.6322% | 4,678 |
| Efficiency ratio | 119.2154% | 191 |
| Assets per employee ($millions) | 3.9191% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 4,935 |
| Loan loss allowance to noncurrent loans | 125.9834% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 2.5132% | 1,685 |
| Noncurrent loans to loans | 0.9604% | 4,013 |
| Net loans and leases to total assets | 55.7272% | 4,338 |
| Net loans and leases to deposits | 60.6128% | 4,904 |
| Net loans and leases to core deposits | 61.8508% | 5,106 |
| Total domestic deposits to total assets | 91.9396% | 263 |
| Equity capital to assets | 6.1769% | 6,729 |
| Core capital (leverage) ratio | 6.6883% | 6,675 |
| Tier 1 risk-based capital ratio | 10.3060% | 6,566 |
| Total risk-based capital ratio | 11.3910% | 6,577 |
| Memoranda: | ||
| Average total assets | $355,388,330 | 1,836 |
| Average earning assets | $319,426,670 | 1,873 |
| Average equity | $23,793,000 | 2,792 |
| Average total loans | $202,560,330 | 1,992 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 5,254 |
| Cost of funding earning assets | 0.5435% | 3,641 |
| Net interest margin | 3.1252% | 5,176 |
| Noninterest income to average assets | 0.5389% | 3,504 |
| Noninterest expense to average assets | 4.6972% | 456 |
| Loan and lease loss provision to assets | 1.1613% | 139 |
| Net operating income to assets | -2.5628% | 6,946 |
| Return on assets (ROA) | -2.5549% | 6,947 |
| Pretax return on assets | -2.5042% | 6,937 |
| Return on Equity (ROE) | -36.7335% | 6,946 |
| Retained earnings to average equity (ytd only) | -36.7335% | 6,921 |
| Net charge-offs to loans | 0.6967% | 883 |
| Credit loss provision to net charge-offs | 290.9605% | 824 |
| Earnings coverage of net charge-offs (x) | -3.3842% | 4,053 |
| Efficiency ratio | 140.3639% | 106 |
| Assets per employee ($millions) | 3.8949% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 2,491 |
| Loan loss allowance to noncurrent loans | 54.3934% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 4.0295% | 982 |
| Noncurrent loans to loans | 3.3777% | 1,430 |
| Net loans and leases to total assets | 55.8968% | 4,100 |
| Net loans and leases to deposits | 61.2024% | 4,655 |
| Net loans and leases to core deposits | 62.6533% | 4,889 |
| Total domestic deposits to total assets | 91.3309% | 403 |
| Equity capital to assets | 6.6602% | 6,768 |
| Core capital (leverage) ratio | 6.8201% | 6,691 |
| Tier 1 risk-based capital ratio | 10.5212% | 6,572 |
| Total risk-based capital ratio | 11.7750% | 6,547 |
| Memoranda: | ||
| Average total assets | $354,765,500 | 1,867 |
| Average earning assets | $318,695,500 | 1,906 |
| Average equity | $24,675,000 | 2,737 |
| Average total loans | $203,252,500 | 2,004 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 4,735 |
| Cost of funding earning assets | 0.6741% | 3,695 |
| Net interest margin | 3.4856% | 4,553 |
| Noninterest income to average assets | 0.6860% | 2,794 |
| Noninterest expense to average assets | 4.3129% | 674 |
| Loan and lease loss provision to assets | 0.4332% | 1,471 |
| Net operating income to assets | -1.0658% | 6,764 |
| Return on assets (ROA) | -0.7764% | 6,688 |
| Pretax return on assets | -0.7044% | 6,655 |
| Return on Equity (ROE) | -19.0493% | 6,869 |
| Retained earnings to average equity (ytd only) | -19.0493% | 6,833 |
| Net charge-offs to loans | 3.5831% | 99 |
| Credit loss provision to net charge-offs | 20.1290% | 5,286 |
| Earnings coverage of net charge-offs (x) | -0.2604% | 5,599 |
| Efficiency ratio | 114.9378% | 259 |
| Assets per employee ($millions) | 3.8183% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 3,820 |
| Loan loss allowance to noncurrent loans | 39.0319% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 4.7254% | 851 |
| Noncurrent loans to loans | 3.7952% | 1,274 |
| Net loans and leases to total assets | 56.7867% | 4,146 |
| Net loans and leases to deposits | 63.4428% | 4,610 |
| Net loans and leases to core deposits | 65.0277% | 4,831 |
| Total domestic deposits to total assets | 89.5086% | 1,238 |
| Equity capital to assets | 7.2498% | 6,706 |
| Core capital (leverage) ratio | 7.7345% | 6,385 |
| Tier 1 risk-based capital ratio | 11.3719% | 6,174 |
| Total risk-based capital ratio | 12.6230% | 6,150 |
| Memoranda: | ||
| Average total assets | $338,609,400 | 1,911 |
| Average earning assets | $297,880,400 | 1,987 |
| Average equity | $13,801,000 | 4,202 |
| Average total loans | $203,398,800 | 1,979 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 4,544 |
| Cost of funding earning assets | 0.7010% | 3,767 |
| Net interest margin | 3.5757% | 4,336 |
| Noninterest income to average assets | 0.6689% | 2,883 |
| Noninterest expense to average assets | 3.9722% | 969 |
| Loan and lease loss provision to assets | 0.4532% | 1,374 |
| Net operating income to assets | -0.6005% | 6,741 |
| Return on assets (ROA) | -0.5465% | 6,747 |
| Pretax return on assets | -0.5692% | 6,732 |
| Return on Equity (ROE) | -16.9016% | 6,957 |
| Retained earnings to average equity (ytd only) | -16.9016% | 6,936 |
| Net charge-offs to loans | 3.0733% | 174 |
| Credit loss provision to net charge-offs | 24.2897% | 4,893 |
| Earnings coverage of net charge-offs (x) | -0.0923% | 5,372 |
| Efficiency ratio | 104.5316% | 412 |
| Assets per employee ($millions) | 3.5877% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6126% | 1,069 |
| Loan loss allowance to noncurrent loans | 60.2064% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 5.9631% | 670 |
| Noncurrent loans to loans | 4.3394% | 1,117 |
| Net loans and leases to total assets | 59.3126% | 3,905 |
| Net loans and leases to deposits | 64.2565% | 4,681 |
| Net loans and leases to core deposits | 66.0366% | 4,950 |
| Total domestic deposits to total assets | 92.3061% | 174 |
| Equity capital to assets | 3.0556% | 7,132 |
| Core capital (leverage) ratio | 2.8768% | 7,132 |
| Tier 1 risk-based capital ratio | 4.2244% | 7,133 |
| Total risk-based capital ratio | 5.4884% | 7,135 |
| Memoranda: | ||
| Average total assets | $334,487,000 | 1,948 |
| Average earning assets | $292,895,000 | 2,039 |
| Average equity | $10,815,250 | 4,846 |
| Average total loans | $203,078,250 | 2,003 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 4,510 |
| Cost of funding earning assets | 0.7212% | 3,838 |
| Net interest margin | 3.5932% | 4,288 |
| Noninterest income to average assets | 0.6697% | 2,837 |
| Noninterest expense to average assets | 3.9944% | 945 |
| Loan and lease loss provision to assets | 0.5717% | 1,062 |
| Net operating income to assets | -0.7355% | 6,832 |
| Return on assets (ROA) | -0.6530% | 6,835 |
| Pretax return on assets | -0.6691% | 6,811 |
| Return on Equity (ROE) | -19.8331% | 7,035 |
| Retained earnings to average equity (ytd only) | -19.8331% | 7,011 |
| Net charge-offs to loans | 4.5726% | 87 |
| Credit loss provision to net charge-offs | 20.6161% | 4,594 |
| Earnings coverage of net charge-offs (x) | -0.0655% | 5,115 |
| Efficiency ratio | 104.7634% | 419 |
| Assets per employee ($millions) | 3.8085% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5872% | 1,166 |
| Loan loss allowance to noncurrent loans | 65.5838% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 5.7701% | 755 |
| Noncurrent loans to loans | 3.9449% | 1,407 |
| Net loans and leases to total assets | 57.4061% | 4,259 |
| Net loans and leases to deposits | 62.1715% | 4,975 |
| Net loans and leases to core deposits | 63.8217% | 5,231 |
| Total domestic deposits to total assets | 92.3350% | 181 |
| Equity capital to assets | 3.0759% | 7,178 |
| Core capital (leverage) ratio | 2.9121% | 7,180 |
| Tier 1 risk-based capital ratio | 4.3647% | 7,176 |
| Total risk-based capital ratio | 5.6276% | 7,177 |
| Memoranda: | ||
| Average total assets | $334,764,670 | 1,945 |
| Average earning assets | $292,831,670 | 2,031 |
| Average equity | $11,022,000 | 4,805 |
| Average total loans | $203,035,000 | 1,997 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 4,416 |
| Cost of funding earning assets | 0.7376% | 3,968 |
| Net interest margin | 3.6400% | 4,085 |
| Noninterest income to average assets | 0.6649% | 2,839 |
| Noninterest expense to average assets | 3.8922% | 1,075 |
| Loan and lease loss provision to assets | 0.2164% | 2,774 |
| Net operating income to assets | -0.3078% | 6,713 |
| Return on assets (ROA) | -0.3078% | 6,753 |
| Pretax return on assets | -0.2633% | 6,706 |
| Return on Equity (ROE) | -9.0459% | 6,975 |
| Retained earnings to average equity (ytd only) | -9.0459% | 6,812 |
| Net charge-offs to loans | 6.5234% | 52 |
| Credit loss provision to net charge-offs | 5.3925% | 3,953 |
| Earnings coverage of net charge-offs (x) | -0.0117% | 4,374 |
| Efficiency ratio | 101.2195% | 509 |
| Assets per employee ($millions) | 4.0115% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8230% | 987 |
| Loan loss allowance to noncurrent loans | 73.5788% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 5.3040% | 954 |
| Noncurrent loans to loans | 3.8367% | 1,612 |
| Net loans and leases to total assets | 58.1772% | 4,006 |
| Net loans and leases to deposits | 63.2778% | 4,728 |
| Net loans and leases to core deposits | 65.0748% | 5,011 |
| Total domestic deposits to total assets | 91.9393% | 270 |
| Equity capital to assets | 3.3128% | 7,221 |
| Core capital (leverage) ratio | 3.2088% | 7,223 |
| Tier 1 risk-based capital ratio | 4.7523% | 7,224 |
| Total risk-based capital ratio | 6.0184% | 7,226 |
| Memoranda: | ||
| Average total assets | $332,668,500 | 1,959 |
| Average earning assets | $290,659,500 | 2,059 |
| Average equity | $11,320,000 | 4,757 |
| Average total loans | $204,677,500 | 1,982 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 4,505 |
| Cost of funding earning assets | 0.8155% | 4,743 |
| Net interest margin | 3.8244% | 3,702 |
| Noninterest income to average assets | 0.7271% | 2,465 |
| Noninterest expense to average assets | 3.9993% | 1,039 |
| Loan and lease loss provision to assets | 1.8576% | 347 |
| Net operating income to assets | -3.1365% | 7,194 |
| Return on assets (ROA) | -3.1052% | 7,190 |
| Pretax return on assets | -1.8046% | 6,979 |
| Return on Equity (ROE) | -55.0785% | 7,222 |
| Retained earnings to average equity (ytd only) | -55.0785% | 7,220 |
| Net charge-offs to loans | 2.2810% | 552 |
| Credit loss provision to net charge-offs | 123.4988% | 2,549 |
| Earnings coverage of net charge-offs (x) | 0.0144% | 5,809 |
| Efficiency ratio | 99.4609% | 694 |
| Assets per employee ($millions) | 3.9091% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2640% | 304 |
| Loan loss allowance to noncurrent loans | 64.1568% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 7.0238% | 648 |
| Noncurrent loans to loans | 6.6462% | 693 |
| Net loans and leases to total assets | 60.5321% | 3,885 |
| Net loans and leases to deposits | 65.9231% | 4,745 |
| Net loans and leases to core deposits | 68.0656% | 5,023 |
| Total domestic deposits to total assets | 91.8223% | 263 |
| Equity capital to assets | 3.4952% | 7,252 |
| Core capital (leverage) ratio | 3.2955% | 7,253 |
| Tier 1 risk-based capital ratio | 4.8106% | 7,248 |
| Total risk-based capital ratio | 6.0934% | 7,251 |
| Memoranda: | ||
| Average total assets | $332,157,400 | 1,945 |
| Average earning assets | $286,085,600 | 2,052 |
| Average equity | $18,726,000 | 3,320 |
| Average total loans | $219,030,400 | 1,881 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 4,552 |
| Cost of funding earning assets | 0.8301% | 4,947 |
| Net interest margin | 3.8490% | 3,620 |
| Noninterest income to average assets | 0.6292% | 2,997 |
| Noninterest expense to average assets | 3.7733% | 1,351 |
| Loan and lease loss provision to assets | 1.1472% | 699 |
| Net operating income to assets | -0.6651% | 6,740 |
| Return on assets (ROA) | -0.6368% | 6,756 |
| Pretax return on assets | -0.9422% | 6,853 |
| Return on Equity (ROE) | -10.3284% | 6,898 |
| Retained earnings to average equity (ytd only) | -10.3284% | 6,863 |
| Net charge-offs to loans | 2.2666% | 532 |
| Credit loss provision to net charge-offs | 75.9809% | 4,278 |
| Earnings coverage of net charge-offs (x) | 0.1082% | 5,519 |
| Efficiency ratio | 95.8516% | 832 |
| Assets per employee ($millions) | 3.9355% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0927% | 808 |
| Loan loss allowance to noncurrent loans | 50.0148% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 6.1739% | 852 |
| Noncurrent loans to loans | 6.1836% | 888 |
| Net loans and leases to total assets | 64.9698% | 3,111 |
| Net loans and leases to deposits | 72.7123% | 3,847 |
| Net loans and leases to core deposits | 75.7775% | 4,217 |
| Total domestic deposits to total assets | 89.3519% | 1,221 |
| Equity capital to assets | 6.2069% | 7,164 |
| Core capital (leverage) ratio | 4.9662% | 7,244 |
| Tier 1 risk-based capital ratio | 6.5980% | 7,268 |
| Total risk-based capital ratio | 7.8397% | 7,270 |
| Memoranda: | ||
| Average total assets | $333,104,750 | 1,952 |
| Average earning assets | $286,234,250 | 2,058 |
| Average equity | $20,538,250 | 3,066 |
| Average total loans | $221,882,750 | 1,875 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 4,689 |
| Cost of funding earning assets | 0.8459% | 5,094 |
| Net interest margin | 3.8168% | 3,704 |
| Noninterest income to average assets | 0.6550% | 2,796 |
| Noninterest expense to average assets | 3.7864% | 1,366 |
| Loan and lease loss provision to assets | 1.6071% | 431 |
| Net operating income to assets | -1.0266% | 6,946 |
| Return on assets (ROA) | -0.9825% | 6,945 |
| Pretax return on assets | -1.3924% | 7,029 |
| Return on Equity (ROE) | -15.9701% | 7,085 |
| Retained earnings to average equity (ytd only) | -15.9701% | 7,060 |
| Net charge-offs to loans | 3.3826% | 271 |
| Credit loss provision to net charge-offs | 71.4778% | 4,018 |
| Earnings coverage of net charge-offs (x) | 0.0679% | 5,240 |
| Efficiency ratio | 96.1230% | 874 |
| Assets per employee ($millions) | 3.7507% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0155% | 886 |
| Loan loss allowance to noncurrent loans | 52.9761% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 6.2508% | 879 |
| Noncurrent loans to loans | 5.6921% | 1,087 |
| Net loans and leases to total assets | 65.0920% | 3,237 |
| Net loans and leases to deposits | 72.7256% | 3,993 |
| Net loans and leases to core deposits | 76.5018% | 4,250 |
| Total domestic deposits to total assets | 89.5035% | 1,240 |
| Equity capital to assets | 6.0945% | 7,230 |
| Core capital (leverage) ratio | 4.8600% | 7,310 |
| Tier 1 risk-based capital ratio | 6.4594% | 7,343 |
| Total risk-based capital ratio | 7.7275% | 7,345 |
| Memoranda: | ||
| Average total assets | $335,256,330 | 1,945 |
| Average earning assets | $288,459,000 | 2,048 |
| Average equity | $20,626,000 | 3,046 |
| Average total loans | $222,844,670 | 1,889 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 5,138 |
| Cost of funding earning assets | 0.8589% | 5,219 |
| Net interest margin | 3.6991% | 4,109 |
| Noninterest income to average assets | 0.7112% | 2,513 |
| Noninterest expense to average assets | 3.6005% | 1,769 |
| Loan and lease loss provision to assets | 0.2037% | 3,600 |
| Net operating income to assets | 0.0921% | 6,116 |
| Return on assets (ROA) | 0.2084% | 5,823 |
| Pretax return on assets | 0.2190% | 5,894 |
| Return on Equity (ROE) | 3.3722% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.3722% | 4,166 |
| Net charge-offs to loans | 4.7374% | 166 |
| Credit loss provision to net charge-offs | 6.4989% | 4,414 |
| Earnings coverage of net charge-offs (x) | 0.0958% | 4,526 |
| Efficiency ratio | 92.3030% | 1,142 |
| Assets per employee ($millions) | 3.7576% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3757% | 1,638 |
| Loan loss allowance to noncurrent loans | 36.9974% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 7.1361% | 739 |
| Noncurrent loans to loans | 6.4212% | 945 |
| Net loans and leases to total assets | 63.7736% | 3,477 |
| Net loans and leases to deposits | 71.5556% | 4,130 |
| Net loans and leases to core deposits | 75.7049% | 4,341 |
| Total domestic deposits to total assets | 89.1246% | 1,691 |
| Equity capital to assets | 6.2995% | 7,248 |
| Core capital (leverage) ratio | 5.1496% | 7,346 |
| Tier 1 risk-based capital ratio | 6.8830% | 7,376 |
| Total risk-based capital ratio | 8.1437% | 7,379 |
| Memoranda: | ||
| Average total assets | $339,730,000 | 1,933 |
| Average earning assets | $292,940,000 | 2,035 |
| Average equity | $20,995,500 | 2,981 |
| Average total loans | $224,764,500 | 1,899 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 5,376 |
| Cost of funding earning assets | 1.1167% | 5,043 |
| Net interest margin | 3.6923% | 4,377 |
| Noninterest income to average assets | 0.5785% | 3,593 |
| Noninterest expense to average assets | 3.5287% | 2,103 |
| Loan and lease loss provision to assets | 2.4640% | 459 |
| Net operating income to assets | -1.3150% | 6,837 |
| Return on assets (ROA) | -1.2887% | 6,850 |
| Pretax return on assets | -2.2433% | 7,101 |
| Return on Equity (ROE) | -18.3017% | 7,006 |
| Retained earnings to average equity (ytd only) | -18.3017% | 6,978 |
| Net charge-offs to loans | 2.3433% | 822 |
| Credit loss provision to net charge-offs | 152.3844% | 2,353 |
| Earnings coverage of net charge-offs (x) | 0.1111% | 6,008 |
| Efficiency ratio | 95.1562% | 1,003 |
| Assets per employee ($millions) | 3.9209% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3233% | 668 |
| Loan loss allowance to noncurrent loans | 37.8369% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 8.0053% | 618 |
| Noncurrent loans to loans | 8.7833% | 543 |
| Net loans and leases to total assets | 64.7427% | 3,723 |
| Net loans and leases to deposits | 72.0783% | 4,504 |
| Net loans and leases to core deposits | 76.8256% | 4,602 |
| Total domestic deposits to total assets | 89.8228% | 1,199 |
| Equity capital to assets | 6.0643% | 7,334 |
| Core capital (leverage) ratio | 5.3994% | 7,372 |
| Tier 1 risk-based capital ratio | 7.2985% | 7,400 |
| Total risk-based capital ratio | 8.5695% | 7,403 |
| Memoranda: | ||
| Average total assets | $338,476,800 | 1,931 |
| Average earning assets | $286,923,600 | 2,069 |
| Average equity | $23,833,800 | 2,670 |
| Average total loans | $233,559,200 | 1,870 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 5,262 |
| Cost of funding earning assets | 1.1866% | 4,929 |
| Net interest margin | 3.7144% | 4,335 |
| Noninterest income to average assets | 0.5498% | 3,789 |
| Noninterest expense to average assets | 3.3835% | 2,345 |
| Loan and lease loss provision to assets | 1.8901% | 650 |
| Net operating income to assets | -0.8881% | 6,835 |
| Return on assets (ROA) | -0.8597% | 6,862 |
| Pretax return on assets | -1.5497% | 7,056 |
| Return on Equity (ROE) | -11.7906% | 7,002 |
| Retained earnings to average equity (ytd only) | -11.7906% | 6,966 |
| Net charge-offs to loans | 2.9515% | 536 |
| Credit loss provision to net charge-offs | 92.1103% | 4,686 |
| Earnings coverage of net charge-offs (x) | 0.1443% | 5,883 |
| Efficiency ratio | 91.9535% | 1,129 |
| Assets per employee ($millions) | 3.7294% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 2,437 |
| Loan loss allowance to noncurrent loans | 21.1276% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 8.5112% | 565 |
| Noncurrent loans to loans | 9.0659% | 527 |
| Net loans and leases to total assets | 67.9293% | 3,233 |
| Net loans and leases to deposits | 77.0184% | 4,008 |
| Net loans and leases to core deposits | 82.7573% | 4,117 |
| Total domestic deposits to total assets | 88.1989% | 1,857 |
| Equity capital to assets | 7.1873% | 7,272 |
| Core capital (leverage) ratio | 6.5682% | 7,317 |
| Tier 1 risk-based capital ratio | 8.7608% | 7,407 |
| Total risk-based capital ratio | 10.0173% | 7,421 |
| Memoranda: | ||
| Average total assets | $336,837,250 | 1,963 |
| Average earning assets | $283,824,250 | 2,117 |
| Average equity | $24,561,250 | 2,643 |
| Average total loans | $234,183,000 | 1,889 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9489% | 5,184 |
| Cost of funding earning assets | 1.2501% | 4,825 |
| Net interest margin | 3.6988% | 4,372 |
| Noninterest income to average assets | 0.5684% | 3,555 |
| Noninterest expense to average assets | 3.3143% | 2,519 |
| Loan and lease loss provision to assets | 2.8658% | 355 |
| Net operating income to assets | -1.4500% | 7,135 |
| Return on assets (ROA) | -1.4500% | 7,144 |
| Pretax return on assets | -2.5172% | 7,370 |
| Return on Equity (ROE) | -19.7933% | 7,273 |
| Retained earnings to average equity (ytd only) | -19.7933% | 7,252 |
| Net charge-offs to loans | 4.3316% | 279 |
| Credit loss provision to net charge-offs | 95.0421% | 4,259 |
| Earnings coverage of net charge-offs (x) | 0.1156% | 5,607 |
| Efficiency ratio | 90.4823% | 1,299 |
| Assets per employee ($millions) | 3.6801% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 2,266 |
| Loan loss allowance to noncurrent loans | 21.1368% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 8.3974% | 563 |
| Noncurrent loans to loans | 9.2995% | 501 |
| Net loans and leases to total assets | 67.8964% | 3,390 |
| Net loans and leases to deposits | 76.2580% | 4,281 |
| Net loans and leases to core deposits | 81.5860% | 4,481 |
| Total domestic deposits to total assets | 89.0351% | 1,419 |
| Equity capital to assets | 6.9683% | 7,364 |
| Core capital (leverage) ratio | 6.3698% | 7,411 |
| Tier 1 risk-based capital ratio | 8.8352% | 7,442 |
| Total risk-based capital ratio | 10.0854% | 7,458 |
| Memoranda: | ||
| Average total assets | $338,477,330 | 1,967 |
| Average earning assets | $283,173,670 | 2,130 |
| Average equity | $24,796,330 | 2,610 |
| Average total loans | $235,620,000 | 1,904 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 4,064 |
| Cost of funding earning assets | 1.3347% | 4,599 |
| Net interest margin | 3.8577% | 3,523 |
| Noninterest income to average assets | 0.5678% | 3,503 |
| Noninterest expense to average assets | 3.2774% | 2,604 |
| Loan and lease loss provision to assets | 0.2821% | 3,774 |
| Net operating income to assets | 0.1951% | 5,706 |
| Return on assets (ROA) | 0.1951% | 5,826 |
| Pretax return on assets | 0.1681% | 5,973 |
| Return on Equity (ROE) | 2.6012% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.6012% | 4,582 |
| Net charge-offs to loans | 0.4262% | 2,772 |
| Credit loss provision to net charge-offs | 94.8617% | 3,549 |
| Earnings coverage of net charge-offs (x) | 1.5138% | 3,826 |
| Efficiency ratio | 87.9218% | 1,594 |
| Assets per employee ($millions) | 3.9595% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 2,083 |
| Loan loss allowance to noncurrent loans | 39.2235% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 5.5950% | 1,097 |
| Noncurrent loans to loans | 5.1968% | 1,377 |
| Net loans and leases to total assets | 67.7310% | 3,455 |
| Net loans and leases to deposits | 77.0337% | 4,217 |
| Net loans and leases to core deposits | 82.8654% | 4,370 |
| Total domestic deposits to total assets | 87.9239% | 2,108 |
| Equity capital to assets | 7.5641% | 7,020 |
| Core capital (leverage) ratio | 7.6143% | 6,723 |
| Tier 1 risk-based capital ratio | 10.4178% | 6,706 |
| Total risk-based capital ratio | 11.6643% | 6,704 |
| Memoranda: | ||
| Average total assets | $340,272,000 | 2,016 |
| Average earning assets | $278,717,000 | 2,219 |
| Average equity | $25,526,500 | 2,560 |
| Average total loans | $237,462,000 | 1,940 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 4,762 |
| Cost of funding earning assets | 1.8824% | 3,551 |
| Net interest margin | 3.5031% | 4,943 |
| Noninterest income to average assets | 0.6949% | 3,017 |
| Noninterest expense to average assets | 3.3937% | 2,702 |
| Loan and lease loss provision to assets | 0.7427% | 2,882 |
| Net operating income to assets | -0.2250% | 5,867 |
| Return on assets (ROA) | -0.2148% | 5,849 |
| Pretax return on assets | -0.4896% | 6,000 |
| Return on Equity (ROE) | -2.8653% | 5,963 |
| Retained earnings to average equity (ytd only) | -2.8653% | 5,673 |
| Net charge-offs to loans | 0.3596% | 4,431 |
| Credit loss provision to net charge-offs | 282.0698% | 1,200 |
| Earnings coverage of net charge-offs (x) | 0.9013% | 5,212 |
| Efficiency ratio | 93.4637% | 1,448 |
| Assets per employee ($millions) | 4.0003% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0093% | 1,995 |
| Loan loss allowance to noncurrent loans | 32.0074% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 5.1260% | 1,183 |
| Noncurrent loans to loans | 6.2775% | 977 |
| Net loans and leases to total assets | 69.0173% | 3,486 |
| Net loans and leases to deposits | 78.1341% | 4,341 |
| Net loans and leases to core deposits | 94.9787% | 4,570 |
| Total domestic deposits to total assets | 88.3318% | 1,805 |
| Equity capital to assets | 7.4394% | 7,087 |
| Core capital (leverage) ratio | 7.6949% | 6,560 |
| Tier 1 risk-based capital ratio | 10.2800% | 6,609 |
| Total risk-based capital ratio | 11.5342% | 6,576 |
| Memoranda: | ||
| Average total assets | $315,588,200 | 2,129 |
| Average earning assets | $264,505,400 | 2,289 |
| Average equity | $23,662,600 | 2,774 |
| Average total loans | $231,107,400 | 2,026 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4100% | 4,896 |
| Cost of funding earning assets | 1.9738% | 3,496 |
| Net interest margin | 3.4362% | 5,128 |
| Noninterest income to average assets | 0.7419% | 2,755 |
| Noninterest expense to average assets | 3.3544% | 2,712 |
| Loan and lease loss provision to assets | 0.4653% | 3,583 |
| Net operating income to assets | -0.0297% | 5,761 |
| Return on assets (ROA) | -0.0159% | 5,799 |
| Pretax return on assets | -0.1650% | 5,928 |
| Return on Equity (ROE) | -0.2121% | 5,814 |
| Retained earnings to average equity (ytd only) | -0.2121% | 5,268 |
| Net charge-offs to loans | 0.3208% | 4,033 |
| Credit loss provision to net charge-offs | 196.0073% | 2,296 |
| Earnings coverage of net charge-offs (x) | 1.1742% | 4,886 |
| Efficiency ratio | 92.3278% | 1,520 |
| Assets per employee ($millions) | 3.7892% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 2,955 |
| Loan loss allowance to noncurrent loans | 38.3529% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 3.7438% | 1,738 |
| Noncurrent loans to loans | 4.1940% | 1,723 |
| Net loans and leases to total assets | 72.7007% | 2,856 |
| Net loans and leases to deposits | 84.4432% | 3,580 |
| Net loans and leases to core deposits | 101.2247% | 4,240 |
| Total domestic deposits to total assets | 86.0942% | 2,656 |
| Equity capital to assets | 8.0892% | 6,757 |
| Core capital (leverage) ratio | 8.0506% | 6,275 |
| Tier 1 risk-based capital ratio | 10.4429% | 6,535 |
| Total risk-based capital ratio | 11.6964% | 6,476 |
| Memoranda: | ||
| Average total assets | $309,478,250 | 2,174 |
| Average earning assets | $260,400,750 | 2,335 |
| Average equity | $23,254,250 | 2,831 |
| Average total loans | $229,011,750 | 2,061 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4377% | 4,953 |
| Cost of funding earning assets | 2.0740% | 3,399 |
| Net interest margin | 3.3637% | 5,300 |
| Noninterest income to average assets | 0.7718% | 2,577 |
| Noninterest expense to average assets | 3.3026% | 2,946 |
| Loan and lease loss provision to assets | 0.6289% | 2,544 |
| Net operating income to assets | -0.1291% | 6,064 |
| Return on assets (ROA) | -0.1081% | 6,065 |
| Pretax return on assets | -0.3145% | 6,247 |
| Return on Equity (ROE) | -1.4784% | 6,146 |
| Retained earnings to average equity (ytd only) | -1.4784% | 5,609 |
| Net charge-offs to loans | 0.2345% | 4,030 |
| Credit loss provision to net charge-offs | 362.2642% | 1,280 |
| Earnings coverage of net charge-offs (x) | 1.6226% | 4,327 |
| Efficiency ratio | 92.1404% | 1,627 |
| Assets per employee ($millions) | 3.6215% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7119% | 2,296 |
| Loan loss allowance to noncurrent loans | 86.5814% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.7434% | 3,565 |
| Noncurrent loans to loans | 1.9772% | 3,554 |
| Net loans and leases to total assets | 72.7832% | 3,007 |
| Net loans and leases to deposits | 84.2972% | 3,824 |
| Net loans and leases to core deposits | 99.5412% | 4,550 |
| Total domestic deposits to total assets | 86.3411% | 2,605 |
| Equity capital to assets | 7.6875% | 7,091 |
| Core capital (leverage) ratio | 7.9692% | 6,389 |
| Tier 1 risk-based capital ratio | 10.1343% | 6,793 |
| Total risk-based capital ratio | 11.3834% | 6,715 |
| Memoranda: | ||
| Average total assets | $305,277,000 | 2,226 |
| Average earning assets | $255,252,670 | 2,396 |
| Average equity | $22,321,000 | 2,935 |
| Average total loans | $226,021,000 | 2,113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 4,770 |
| Cost of funding earning assets | 2.1845% | 3,243 |
| Net interest margin | 3.3429% | 5,353 |
| Noninterest income to average assets | 0.6352% | 3,312 |
| Noninterest expense to average assets | 3.1746% | 3,095 |
| Loan and lease loss provision to assets | 1.1186% | 1,169 |
| Net operating income to assets | -0.4647% | 6,842 |
| Return on assets (ROA) | -0.4221% | 6,871 |
| Pretax return on assets | -0.8323% | 7,054 |
| Return on Equity (ROE) | -5.9333% | 7,058 |
| Retained earnings to average equity (ytd only) | -5.9333% | 6,674 |
| Net charge-offs to loans | 0.3975% | 2,506 |
| Credit loss provision to net charge-offs | 380.0905% | 1,354 |
| Earnings coverage of net charge-offs (x) | 0.7466% | 4,429 |
| Efficiency ratio | 93.5269% | 1,462 |
| Assets per employee ($millions) | 3.6149% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 1,906 |
| Loan loss allowance to noncurrent loans | 128.6277% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 4,640 |
| Noncurrent loans to loans | 1.3819% | 4,240 |
| Net loans and leases to total assets | 70.4624% | 3,581 |
| Net loans and leases to deposits | 80.9479% | 4,460 |
| Net loans and leases to core deposits | 96.6273% | 4,887 |
| Total domestic deposits to total assets | 87.0465% | 2,195 |
| Equity capital to assets | 6.9096% | 7,719 |
| Core capital (leverage) ratio | 7.2087% | 7,470 |
| Tier 1 risk-based capital ratio | 9.3383% | 7,556 |
| Total risk-based capital ratio | 10.5879% | 7,527 |
| Memoranda: | ||
| Average total assets | $300,380,500 | 2,262 |
| Average earning assets | $247,925,000 | 2,465 |
| Average equity | $21,371,000 | 3,064 |
| Average total loans | $222,375,500 | 2,160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9320% | 5,893 |
| Cost of funding earning assets | 2.5814% | 3,783 |
| Net interest margin | 3.3506% | 5,859 |
| Noninterest income to average assets | 0.5997% | 3,845 |
| Noninterest expense to average assets | 3.3206% | 2,899 |
| Loan and lease loss provision to assets | 0.7548% | 1,979 |
| Net operating income to assets | -0.2449% | 6,674 |
| Return on assets (ROA) | -0.3326% | 6,633 |
| Pretax return on assets | -0.6914% | 6,803 |
| Return on Equity (ROE) | -4.4243% | 6,799 |
| Retained earnings to average equity (ytd only) | -6.0108% | 6,666 |
| Net charge-offs to loans | 0.3881% | 2,880 |
| Credit loss provision to net charge-offs | 250.2825% | 1,860 |
| Earnings coverage of net charge-offs (x) | 0.6644% | 5,826 |
| Efficiency ratio | 94.3095% | 1,261 |
| Assets per employee ($millions) | 3.5360% | 4,579 |
| Cash dividends to net income (ytd only)* | -35.8607% | 8,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 2,827 |
| Loan loss allowance to noncurrent loans | 119.6590% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 4,389 |
| Noncurrent loans to loans | 1.2290% | 4,054 |
| Net loans and leases to total assets | 75.3087% | 2,804 |
| Net loans and leases to deposits | 87.0678% | 3,936 |
| Net loans and leases to core deposits | 104.9985% | 4,294 |
| Total domestic deposits to total assets | 86.4944% | 2,169 |
| Equity capital to assets | 7.3293% | 7,529 |
| Core capital (leverage) ratio | 7.6233% | 7,045 |
| Tier 1 risk-based capital ratio | 9.2722% | 7,548 |
| Total risk-based capital ratio | 10.5238% | 7,477 |
| Memoranda: | ||
| Average total assets | $293,467,600 | 2,236 |
| Average earning assets | $255,866,200 | 2,317 |
| Average equity | $22,060,200 | 2,965 |
| Average total loans | $228,020,200 | 2,062 |