Home > Community National Bank > Performance and Condition Ratios
Community National Bank, Performance and Condition Ratios
| 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 | 2.3420% | 6,741 |
| Cost of funding earning assets | 0.2202% | 6,291 |
| Net interest margin | 2.1218% | 6,688 |
| Noninterest income to average assets | 0.4278% | 4,314 |
| Noninterest expense to average assets | 1.5945% | 6,561 |
| Loan and lease loss provision to assets | 0.2728% | 1,285 |
| Net operating income to assets | 0.3968% | 5,252 |
| Return on assets (ROA) | 0.3968% | 5,391 |
| Pretax return on assets | 0.4722% | 5,438 |
| Return on Equity (ROE) | 3.7764% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.7764% | 3,993 |
| Net charge-offs to loans | -0.0777% | 6,438 |
| Credit loss provision to net charge-offs | -497.3913% | 6,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1549% | 4,068 |
| Assets per employee ($millions) | 3.6857% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3651% | 6,743 |
| Loan loss allowance to noncurrent loans | 27.2511% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0176% | 3,617 |
| Noncurrent loans to loans | 1.3398% | 3,183 |
| Net loans and leases to total assets | 67.8213% | 2,320 |
| Net loans and leases to deposits | 77.9978% | 2,665 |
| Net loans and leases to core deposits | 85.3911% | 2,481 |
| Total domestic deposits to total assets | 86.9528% | 2,717 |
| Equity capital to assets | 10.8513% | 2,915 |
| Core capital (leverage) ratio | 9.5721% | 4,292 |
| Tier 1 risk-based capital ratio | 13.4949% | 4,764 |
| Total risk-based capital ratio | 13.8441% | 5,338 |
| Memoranda: | ||
| Average total assets | $279,535,250 | 2,280 |
| Average earning assets | $251,858,500 | 2,323 |
| Average equity | $29,374,750 | 2,314 |
| Average total loans | $197,262,750 | 2,025 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0561% | 6,903 |
| Cost of funding earning assets | 0.0898% | 6,840 |
| Net interest margin | 0.9663% | 6,896 |
| Noninterest income to average assets | 0.2352% | 5,761 |
| Noninterest expense to average assets | 0.8333% | 6,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1711% | 5,971 |
| Return on assets (ROA) | 0.1711% | 6,086 |
| Pretax return on assets | 0.2759% | 5,939 |
| Return on Equity (ROE) | 1.6457% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.6457% | 5,203 |
| Net charge-offs to loans | -0.0050% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1285% | 2,930 |
| Assets per employee ($millions) | 3.5567% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0026% | 6,879 |
| Loan loss allowance to noncurrent loans | 0.2341% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 3,914 |
| Noncurrent loans to loans | 1.1288% | 3,677 |
| Net loans and leases to total assets | 68.2085% | 2,195 |
| Net loans and leases to deposits | 77.0541% | 2,718 |
| Net loans and leases to core deposits | 85.5380% | 2,379 |
| Total domestic deposits to total assets | 88.5202% | 1,901 |
| Equity capital to assets | 10.5214% | 3,272 |
| Core capital (leverage) ratio | 9.1269% | 4,789 |
| Tier 1 risk-based capital ratio | 12.9107% | 5,214 |
| Total risk-based capital ratio | 12.9132% | 5,969 |
| Memoranda: | ||
| Average total assets | $280,571,000 | 2,290 |
| Average earning assets | $253,757,670 | 2,318 |
| Average equity | $29,167,670 | 2,327 |
| Average total loans | $200,295,670 | 2,009 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 3,984 |
| Cost of funding earning assets | 0.3517% | 5,517 |
| Net interest margin | 3.6822% | 2,938 |
| Noninterest income to average assets | 0.8407% | 1,958 |
| Noninterest expense to average assets | 3.3997% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5231% | 4,558 |
| Return on assets (ROA) | 0.5231% | 4,703 |
| Pretax return on assets | 0.7812% | 4,246 |
| Return on Equity (ROE) | 5.0622% | 4,540 |
| Retained earnings to average equity (ytd only) | 0.9466% | 5,466 |
| Net charge-offs to loans | 1.6791% | 301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.6377% | 3,612 |
| Efficiency ratio | 81.3157% | 2,150 |
| Assets per employee ($millions) | 3.2696% | 5,501 |
| Cash dividends to net income (ytd only)* | 81.3008% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 4,119 |
| Loan loss allowance to noncurrent loans | 100.1379% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 3,514 |
| Noncurrent loans to loans | 1.4205% | 3,438 |
| Net loans and leases to total assets | 72.4122% | 1,291 |
| Net loans and leases to deposits | 81.5685% | 1,886 |
| Net loans and leases to core deposits | 90.6117% | 1,649 |
| Total domestic deposits to total assets | 88.7747% | 1,816 |
| Equity capital to assets | 10.4927% | 3,544 |
| Core capital (leverage) ratio | 9.4131% | 4,220 |
| Tier 1 risk-based capital ratio | 12.8632% | 5,326 |
| Total risk-based capital ratio | 14.1095% | 5,275 |
| Memoranda: | ||
| Average total assets | $282,143,500 | 2,303 |
| Average earning assets | $255,934,000 | 2,321 |
| Average equity | $29,157,000 | 2,360 |
| Average total loans | $205,827,000 | 1,976 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 4,140 |
| Cost of funding earning assets | 0.3842% | 6,020 |
| Net interest margin | 3.9307% | 2,696 |
| Noninterest income to average assets | 1.0079% | 1,513 |
| Noninterest expense to average assets | 3.8319% | 1,198 |
| Loan and lease loss provision to assets | 0.0166% | 5,696 |
| Net operating income to assets | 0.4669% | 4,811 |
| Return on assets (ROA) | 0.4993% | 4,943 |
| Pretax return on assets | 0.7496% | 4,477 |
| Return on Equity (ROE) | 4.6762% | 4,845 |
| Retained earnings to average equity (ytd only) | 2.6025% | 4,398 |
| Net charge-offs to loans | -0.0016% | 6,318 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2229% | 1,605 |
| Assets per employee ($millions) | 3.1469% | 5,744 |
| Cash dividends to net income (ytd only)* | 44.3459% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,538 |
| Loan loss allowance to noncurrent loans | 105.4871% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4226% | 3,267 |
| Noncurrent loans to loans | 1.7214% | 3,028 |
| Net loans and leases to total assets | 71.1444% | 1,628 |
| Net loans and leases to deposits | 81.8533% | 2,019 |
| Net loans and leases to core deposits | 90.3518% | 1,794 |
| Total domestic deposits to total assets | 86.9170% | 2,883 |
| Equity capital to assets | 10.1802% | 3,913 |
| Core capital (leverage) ratio | 9.6469% | 3,896 |
| Tier 1 risk-based capital ratio | 12.5795% | 5,418 |
| Total risk-based capital ratio | 13.8305% | 5,367 |
| Memoranda: | ||
| Average total assets | $270,959,600 | 2,334 |
| Average earning assets | $244,156,000 | 2,377 |
| Average equity | $28,933,800 | 2,327 |
| Average total loans | $193,210,200 | 2,066 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 4,270 |
| Cost of funding earning assets | 0.4019% | 6,110 |
| Net interest margin | 3.9443% | 2,728 |
| Noninterest income to average assets | 0.9634% | 1,625 |
| Noninterest expense to average assets | 3.7138% | 1,346 |
| Loan and lease loss provision to assets | 0.0225% | 5,515 |
| Net operating income to assets | 0.5164% | 4,782 |
| Return on assets (ROA) | 0.5576% | 4,842 |
| Pretax return on assets | 0.8416% | 4,330 |
| Return on Equity (ROE) | 5.1570% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.2337% | 3,915 |
| Net charge-offs to loans | 0.0471% | 4,995 |
| Credit loss provision to net charge-offs | 67.1642% | 3,972 |
| Earnings coverage of net charge-offs (x) | 23.9704% | 1,296 |
| Efficiency ratio | 82.2463% | 1,782 |
| Assets per employee ($millions) | 2.8808% | 6,244 |
| Cash dividends to net income (ytd only)* | 17.9051% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 2,440 |
| Loan loss allowance to noncurrent loans | 404.1530% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 5,045 |
| Noncurrent loans to loans | 0.4724% | 5,507 |
| Net loans and leases to total assets | 70.1574% | 1,883 |
| Net loans and leases to deposits | 79.2227% | 2,508 |
| Net loans and leases to core deposits | 88.9778% | 2,106 |
| Total domestic deposits to total assets | 88.5572% | 1,687 |
| Equity capital to assets | 10.8741% | 3,414 |
| Core capital (leverage) ratio | 10.0345% | 3,496 |
| Tier 1 risk-based capital ratio | 13.2194% | 5,086 |
| Total risk-based capital ratio | 14.4705% | 5,046 |
| Memoranda: | ||
| Average total assets | $267,106,750 | 2,399 |
| Average earning assets | $240,545,000 | 2,438 |
| Average equity | $28,879,000 | 2,342 |
| Average total loans | $189,636,500 | 2,119 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 5,241 |
| Cost of funding earning assets | 0.4108% | 6,213 |
| Net interest margin | 3.7099% | 3,771 |
| Noninterest income to average assets | 1.0075% | 1,447 |
| Noninterest expense to average assets | 3.6970% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4452% | 5,056 |
| Return on assets (ROA) | 0.5178% | 5,002 |
| Pretax return on assets | 0.7847% | 4,526 |
| Return on Equity (ROE) | 4.8213% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.8213% | 3,392 |
| Net charge-offs to loans | 0.0844% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.4328% | 1,959 |
| Efficiency ratio | 84.5689% | 1,577 |
| Assets per employee ($millions) | 2.8547% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0470% | 2,112 |
| Loan loss allowance to noncurrent loans | 155.5931% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 4,050 |
| Noncurrent loans to loans | 1.3156% | 3,950 |
| Net loans and leases to total assets | 67.6150% | 2,342 |
| Net loans and leases to deposits | 76.3201% | 2,942 |
| Net loans and leases to core deposits | 87.6682% | 2,243 |
| Total domestic deposits to total assets | 88.5939% | 1,759 |
| Equity capital to assets | 10.8006% | 3,340 |
| Core capital (leverage) ratio | 9.9904% | 3,429 |
| Tier 1 risk-based capital ratio | 13.6229% | 4,722 |
| Total risk-based capital ratio | 14.8827% | 4,686 |
| Memoranda: | ||
| Average total assets | $227,102,330 | 2,786 |
| Average earning assets | $205,934,670 | 2,810 |
| Average equity | $24,391,670 | 2,731 |
| Average total loans | $158,698,670 | 2,478 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 5,345 |
| Cost of funding earning assets | 0.4273% | 6,272 |
| Net interest margin | 3.7054% | 3,800 |
| Noninterest income to average assets | 1.0050% | 1,413 |
| Noninterest expense to average assets | 3.7498% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4062% | 5,226 |
| Return on assets (ROA) | 0.4062% | 5,411 |
| Pretax return on assets | 0.6094% | 5,087 |
| Return on Equity (ROE) | 3.7931% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.7931% | 4,310 |
| Net charge-offs to loans | -0.0377% | 6,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0211% | 1,483 |
| Assets per employee ($millions) | 2.8842% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1155% | 2,068 |
| Loan loss allowance to noncurrent loans | 72.5976% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.2383% | 2,657 |
| Noncurrent loans to loans | 2.9139% | 2,225 |
| Net loans and leases to total assets | 67.1987% | 2,256 |
| Net loans and leases to deposits | 75.6945% | 2,845 |
| Net loans and leases to core deposits | 86.2937% | 2,257 |
| Total domestic deposits to total assets | 88.7763% | 1,830 |
| Equity capital to assets | 10.7027% | 3,266 |
| Core capital (leverage) ratio | 10.2031% | 3,103 |
| Tier 1 risk-based capital ratio | 13.4737% | 4,846 |
| Total risk-based capital ratio | 14.7325% | 4,832 |
| Memoranda: | ||
| Average total assets | $226,465,000 | 2,812 |
| Average earning assets | $204,995,500 | 2,835 |
| Average equity | $24,254,500 | 2,743 |
| Average total loans | $159,226,000 | 2,497 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 4,960 |
| Cost of funding earning assets | 0.5560% | 6,310 |
| Net interest margin | 3.9731% | 3,010 |
| Noninterest income to average assets | 0.9929% | 1,390 |
| Noninterest expense to average assets | 3.7569% | 1,427 |
| Loan and lease loss provision to assets | 0.0962% | 5,386 |
| Net operating income to assets | 0.4708% | 4,536 |
| Return on assets (ROA) | 0.5143% | 4,571 |
| Pretax return on assets | 0.7795% | 4,052 |
| Return on Equity (ROE) | 4.7383% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.2067% | 4,642 |
| Net charge-offs to loans | 0.7630% | 2,250 |
| Credit loss provision to net charge-offs | 17.5879% | 5,945 |
| Earnings coverage of net charge-offs (x) | 1.4807% | 4,656 |
| Efficiency ratio | 82.2686% | 1,980 |
| Assets per employee ($millions) | 2.8857% | 6,309 |
| Cash dividends to net income (ytd only)* | 53.4283% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 2,172 |
| Loan loss allowance to noncurrent loans | 71.4999% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.2876% | 2,638 |
| Noncurrent loans to loans | 2.8433% | 2,299 |
| Net loans and leases to total assets | 70.5245% | 1,925 |
| Net loans and leases to deposits | 79.5336% | 2,608 |
| Net loans and leases to core deposits | 88.1364% | 2,359 |
| Total domestic deposits to total assets | 88.6726% | 1,736 |
| Equity capital to assets | 10.7174% | 3,289 |
| Core capital (leverage) ratio | 10.1452% | 3,176 |
| Tier 1 risk-based capital ratio | 13.1622% | 4,951 |
| Total risk-based capital ratio | 14.4196% | 4,917 |
| Memoranda: | ||
| Average total assets | $218,343,800 | 2,857 |
| Average earning assets | $196,394,400 | 2,899 |
| Average equity | $23,700,400 | 2,702 |
| Average total loans | $156,487,200 | 2,549 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 4,962 |
| Cost of funding earning assets | 0.5887% | 6,336 |
| Net interest margin | 3.9884% | 2,958 |
| Noninterest income to average assets | 1.0591% | 1,197 |
| Noninterest expense to average assets | 3.8043% | 1,298 |
| Loan and lease loss provision to assets | 0.1108% | 5,050 |
| Net operating income to assets | 0.4781% | 4,643 |
| Return on assets (ROA) | 0.5366% | 4,566 |
| Pretax return on assets | 0.8142% | 4,074 |
| Return on Equity (ROE) | 4.9275% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.6672% | 4,757 |
| Net charge-offs to loans | 0.8167% | 1,936 |
| Credit loss provision to net charge-offs | 18.9474% | 5,575 |
| Earnings coverage of net charge-offs (x) | 1.4305% | 4,557 |
| Efficiency ratio | 81.9785% | 1,975 |
| Assets per employee ($millions) | 2.9555% | 6,222 |
| Cash dividends to net income (ytd only)* | 45.8715% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 1,809 |
| Loan loss allowance to noncurrent loans | 70.4984% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.6957% | 2,406 |
| Noncurrent loans to loans | 3.1605% | 2,198 |
| Net loans and leases to total assets | 68.5319% | 2,368 |
| Net loans and leases to deposits | 79.2578% | 2,768 |
| Net loans and leases to core deposits | 88.1420% | 2,468 |
| Total domestic deposits to total assets | 86.4671% | 2,952 |
| Equity capital to assets | 10.7166% | 3,454 |
| Core capital (leverage) ratio | 10.0124% | 3,422 |
| Tier 1 risk-based capital ratio | 13.1850% | 4,956 |
| Total risk-based capital ratio | 14.4440% | 4,933 |
| Memoranda: | ||
| Average total assets | $216,659,250 | 2,883 |
| Average earning assets | $194,561,500 | 2,930 |
| Average equity | $23,594,750 | 2,716 |
| Average total loans | $155,101,000 | 2,589 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 4,911 |
| Cost of funding earning assets | 0.6295% | 6,318 |
| Net interest margin | 3.9845% | 2,918 |
| Noninterest income to average assets | 1.1037% | 1,065 |
| Noninterest expense to average assets | 3.7989% | 1,347 |
| Loan and lease loss provision to assets | 0.1402% | 4,552 |
| Net operating income to assets | 0.4888% | 4,549 |
| Return on assets (ROA) | 0.4888% | 4,690 |
| Pretax return on assets | 0.7374% | 4,257 |
| Return on Equity (ROE) | 4.4632% | 4,715 |
| Retained earnings to average equity (ytd only) | 2.7564% | 4,528 |
| Net charge-offs to loans | 0.8398% | 1,822 |
| Credit loss provision to net charge-offs | 23.1481% | 5,089 |
| Earnings coverage of net charge-offs (x) | 1.4491% | 4,198 |
| Efficiency ratio | 81.2350% | 2,211 |
| Assets per employee ($millions) | 2.5728% | 6,833 |
| Cash dividends to net income (ytd only)* | 38.2409% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3797% | 1,625 |
| Loan loss allowance to noncurrent loans | 61.8253% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 3.1218% | 2,148 |
| Noncurrent loans to loans | 3.8491% | 1,804 |
| Net loans and leases to total assets | 70.9055% | 2,026 |
| Net loans and leases to deposits | 83.4243% | 2,194 |
| Net loans and leases to core deposits | 92.4106% | 2,083 |
| Total domestic deposits to total assets | 84.9939% | 3,881 |
| Equity capital to assets | 10.9529% | 3,007 |
| Core capital (leverage) ratio | 10.0563% | 3,192 |
| Tier 1 risk-based capital ratio | 12.9475% | 4,957 |
| Total risk-based capital ratio | 14.2101% | 4,929 |
| Memoranda: | ||
| Average total assets | $214,007,330 | 2,924 |
| Average earning assets | $191,892,330 | 2,972 |
| Average equity | $23,436,000 | 2,709 |
| Average total loans | $154,321,000 | 2,619 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 4,920 |
| Cost of funding earning assets | 0.6515% | 6,374 |
| Net interest margin | 3.9534% | 2,902 |
| Noninterest income to average assets | 1.0110% | 1,295 |
| Noninterest expense to average assets | 3.9043% | 1,168 |
| Loan and lease loss provision to assets | 0.1417% | 4,236 |
| Net operating income to assets | 0.3420% | 5,210 |
| Return on assets (ROA) | 0.3420% | 5,290 |
| Pretax return on assets | 0.4970% | 5,039 |
| Return on Equity (ROE) | 3.1237% | 5,312 |
| Retained earnings to average equity (ytd only) | -0.3279% | 5,852 |
| Net charge-offs to loans | 1.2390% | 1,124 |
| Credit loss provision to net charge-offs | 15.9236% | 4,313 |
| Earnings coverage of net charge-offs (x) | 0.7176% | 4,098 |
| Efficiency ratio | 85.9401% | 1,723 |
| Assets per employee ($millions) | 2.8088% | 6,519 |
| Cash dividends to net income (ytd only)* | 110.4972% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4983% | 1,458 |
| Loan loss allowance to noncurrent loans | 57.7163% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 3.4626% | 1,969 |
| Noncurrent loans to loans | 4.3287% | 1,632 |
| Net loans and leases to total assets | 70.0485% | 2,114 |
| Net loans and leases to deposits | 80.1711% | 2,692 |
| Net loans and leases to core deposits | 87.3527% | 2,692 |
| Total domestic deposits to total assets | 87.3738% | 2,724 |
| Equity capital to assets | 10.7370% | 2,945 |
| Core capital (leverage) ratio | 10.0197% | 3,119 |
| Tier 1 risk-based capital ratio | 12.7472% | 5,016 |
| Total risk-based capital ratio | 14.0106% | 4,985 |
| Memoranda: | ||
| Average total assets | $211,665,500 | 2,971 |
| Average earning assets | $189,103,000 | 3,026 |
| Average equity | $23,177,500 | 2,728 |
| Average total loans | $152,059,500 | 2,684 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 5,091 |
| Cost of funding earning assets | 1.0316% | 5,522 |
| Net interest margin | 3.8564% | 3,704 |
| Noninterest income to average assets | 0.9906% | 1,534 |
| Noninterest expense to average assets | 3.8284% | 1,432 |
| Loan and lease loss provision to assets | 0.2658% | 4,672 |
| Net operating income to assets | 0.2246% | 5,201 |
| Return on assets (ROA) | 0.2331% | 5,321 |
| Pretax return on assets | 0.3226% | 5,173 |
| Return on Equity (ROE) | 2.2230% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.2230% | 4,329 |
| Net charge-offs to loans | 0.7963% | 2,645 |
| Credit loss provision to net charge-offs | 45.4193% | 6,324 |
| Earnings coverage of net charge-offs (x) | 0.9852% | 5,122 |
| Efficiency ratio | 86.9094% | 1,579 |
| Assets per employee ($millions) | 2.6890% | 6,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8762% | 977 |
| Loan loss allowance to noncurrent loans | 56.5649% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 4.0401% | 1,679 |
| Noncurrent loans to loans | 5.0848% | 1,314 |
| Net loans and leases to total assets | 69.7693% | 2,580 |
| Net loans and leases to deposits | 81.0346% | 2,984 |
| Net loans and leases to core deposits | 84.9758% | 3,466 |
| Total domestic deposits to total assets | 86.0981% | 3,311 |
| Equity capital to assets | 11.1726% | 2,535 |
| Core capital (leverage) ratio | 9.6803% | 3,452 |
| Tier 1 risk-based capital ratio | 13.3253% | 4,355 |
| Total risk-based capital ratio | 14.5938% | 4,297 |
| Memoranda: | ||
| Average total assets | $220,064,200 | 2,868 |
| Average earning assets | $194,847,200 | 2,941 |
| Average equity | $23,077,400 | 2,750 |
| Average total loans | $161,751,400 | 2,594 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 5,370 |
| Cost of funding earning assets | 1.0920% | 5,470 |
| Net interest margin | 3.7862% | 4,029 |
| Noninterest income to average assets | 0.9815% | 1,518 |
| Noninterest expense to average assets | 3.7226% | 1,522 |
| Loan and lease loss provision to assets | 0.2866% | 4,281 |
| Net operating income to assets | 0.2282% | 5,427 |
| Return on assets (ROA) | 0.2394% | 5,553 |
| Pretax return on assets | 0.3331% | 5,417 |
| Return on Equity (ROE) | 2.3182% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.3182% | 4,778 |
| Net charge-offs to loans | 0.6787% | 2,728 |
| Credit loss provision to net charge-offs | 57.1429% | 5,761 |
| Earnings coverage of net charge-offs (x) | 1.2048% | 4,858 |
| Efficiency ratio | 86.0356% | 1,626 |
| Assets per employee ($millions) | 2.9405% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9395% | 869 |
| Loan loss allowance to noncurrent loans | 47.7524% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 4.9586% | 1,303 |
| Noncurrent loans to loans | 6.1558% | 998 |
| Net loans and leases to total assets | 70.1199% | 2,705 |
| Net loans and leases to deposits | 81.5514% | 3,182 |
| Net loans and leases to core deposits | 86.0469% | 3,647 |
| Total domestic deposits to total assets | 85.9825% | 3,085 |
| Equity capital to assets | 10.7854% | 3,188 |
| Core capital (leverage) ratio | 9.4769% | 3,936 |
| Tier 1 risk-based capital ratio | 12.7204% | 4,798 |
| Total risk-based capital ratio | 13.9900% | 4,763 |
| Memoranda: | ||
| Average total assets | $223,317,500 | 2,866 |
| Average earning assets | $197,309,250 | 2,958 |
| Average equity | $23,063,500 | 2,794 |
| Average total loans | $165,005,250 | 2,585 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 5,835 |
| Cost of funding earning assets | 1.1535% | 5,383 |
| Net interest margin | 3.6357% | 4,658 |
| Noninterest income to average assets | 1.0336% | 1,274 |
| Noninterest expense to average assets | 3.7190% | 1,516 |
| Loan and lease loss provision to assets | 0.3330% | 3,736 |
| Net operating income to assets | 0.1474% | 5,730 |
| Return on assets (ROA) | 0.1474% | 5,845 |
| Pretax return on assets | 0.1865% | 5,798 |
| Return on Equity (ROE) | 1.4480% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.4480% | 5,151 |
| Net charge-offs to loans | 0.3783% | 3,470 |
| Credit loss provision to net charge-offs | 118.2965% | 3,433 |
| Earnings coverage of net charge-offs (x) | 1.8454% | 4,134 |
| Efficiency ratio | 87.7436% | 1,536 |
| Assets per employee ($millions) | 2.7638% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0834% | 771 |
| Loan loss allowance to noncurrent loans | 48.1924% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 5.3646% | 1,162 |
| Noncurrent loans to loans | 6.3980% | 947 |
| Net loans and leases to total assets | 73.4704% | 2,041 |
| Net loans and leases to deposits | 86.1397% | 2,484 |
| Net loans and leases to core deposits | 92.0282% | 2,984 |
| Total domestic deposits to total assets | 85.2921% | 3,469 |
| Equity capital to assets | 10.7307% | 3,147 |
| Core capital (leverage) ratio | 9.2911% | 4,134 |
| Tier 1 risk-based capital ratio | 12.4078% | 4,937 |
| Total risk-based capital ratio | 13.6809% | 4,903 |
| Memoranda: | ||
| Average total assets | $225,223,330 | 2,868 |
| Average earning assets | $198,529,000 | 2,972 |
| Average equity | $22,928,330 | 2,803 |
| Average total loans | $167,606,330 | 2,588 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 6,251 |
| Cost of funding earning assets | 1.2346% | 5,208 |
| Net interest margin | 3.4623% | 5,326 |
| Noninterest income to average assets | 0.9424% | 1,475 |
| Noninterest expense to average assets | 3.6323% | 1,664 |
| Loan and lease loss provision to assets | 0.3269% | 3,446 |
| Net operating income to assets | 0.0452% | 6,171 |
| Return on assets (ROA) | 0.0452% | 6,283 |
| Pretax return on assets | 0.0261% | 6,304 |
| Return on Equity (ROE) | 0.4556% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.4556% | 5,653 |
| Net charge-offs to loans | 0.5186% | 2,512 |
| Credit loss provision to net charge-offs | 85.4545% | 3,763 |
| Earnings coverage of net charge-offs (x) | 0.9227% | 4,222 |
| Efficiency ratio | 91.1431% | 1,341 |
| Assets per employee ($millions) | 2.7746% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9714% | 847 |
| Loan loss allowance to noncurrent loans | 55.4572% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 4.5650% | 1,474 |
| Noncurrent loans to loans | 5.3580% | 1,323 |
| Net loans and leases to total assets | 71.0312% | 2,689 |
| Net loans and leases to deposits | 84.9874% | 2,771 |
| Net loans and leases to core deposits | 90.1316% | 3,349 |
| Total domestic deposits to total assets | 83.5786% | 4,351 |
| Equity capital to assets | 10.0407% | 3,814 |
| Core capital (leverage) ratio | 8.8516% | 4,791 |
| Tier 1 risk-based capital ratio | 11.9733% | 5,222 |
| Total risk-based capital ratio | 13.2450% | 5,159 |
| Memoranda: | ||
| Average total assets | $230,046,000 | 2,876 |
| Average earning assets | $202,175,000 | 2,962 |
| Average equity | $22,826,000 | 2,833 |
| Average total loans | $169,697,000 | 2,614 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 4,122 |
| Cost of funding earning assets | 1.7478% | 4,261 |
| Net interest margin | 3.7560% | 3,885 |
| Noninterest income to average assets | 0.9606% | 1,702 |
| Noninterest expense to average assets | 5.2996% | 435 |
| Loan and lease loss provision to assets | 1.4819% | 1,553 |
| Net operating income to assets | -1.5618% | 6,893 |
| Return on assets (ROA) | -1.4777% | 6,855 |
| Pretax return on assets | -2.4129% | 7,119 |
| Return on Equity (ROE) | -14.1185% | 6,886 |
| Retained earnings to average equity (ytd only) | -14.1185% | 6,826 |
| Net charge-offs to loans | 1.9363% | 1,280 |
| Credit loss provision to net charge-offs | 99.3296% | 5,610 |
| Earnings coverage of net charge-offs (x) | -0.7120% | 6,813 |
| Efficiency ratio | 84.5987% | 2,281 |
| Assets per employee ($millions) | 2.8021% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8819% | 856 |
| Loan loss allowance to noncurrent loans | 77.8525% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 3.1628% | 2,189 |
| Noncurrent loans to loans | 3.7017% | 2,032 |
| Net loans and leases to total assets | 72.1728% | 2,711 |
| Net loans and leases to deposits | 84.4675% | 3,187 |
| Net loans and leases to core deposits | 94.5727% | 4,613 |
| Total domestic deposits to total assets | 85.4445% | 3,322 |
| Equity capital to assets | 9.8066% | 3,996 |
| Core capital (leverage) ratio | 8.4981% | 5,282 |
| Tier 1 risk-based capital ratio | 11.5782% | 5,318 |
| Total risk-based capital ratio | 12.8483% | 5,255 |
| Memoranda: | ||
| Average total assets | $239,961,400 | 2,719 |
| Average earning assets | $209,345,800 | 2,844 |
| Average equity | $25,116,000 | 2,598 |
| Average total loans | $184,887,800 | 2,458 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 4,317 |
| Cost of funding earning assets | 1.8590% | 4,103 |
| Net interest margin | 3.6621% | 4,227 |
| Noninterest income to average assets | 0.9269% | 1,875 |
| Noninterest expense to average assets | 3.5895% | 2,043 |
| Loan and lease loss provision to assets | 1.8576% | 996 |
| Net operating income to assets | -0.8043% | 6,695 |
| Return on assets (ROA) | -0.6931% | 6,609 |
| Pretax return on assets | -1.1651% | 6,797 |
| Return on Equity (ROE) | -6.5230% | 6,611 |
| Retained earnings to average equity (ytd only) | -6.5230% | 6,451 |
| Net charge-offs to loans | 2.4665% | 744 |
| Credit loss provision to net charge-offs | 96.9217% | 5,271 |
| Earnings coverage of net charge-offs (x) | 0.2707% | 5,739 |
| Efficiency ratio | 87.1695% | 1,947 |
| Assets per employee ($millions) | 2.8304% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7488% | 833 |
| Loan loss allowance to noncurrent loans | 62.5383% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 3.4087% | 1,958 |
| Noncurrent loans to loans | 4.3954% | 1,606 |
| Net loans and leases to total assets | 73.7637% | 2,596 |
| Net loans and leases to deposits | 89.4335% | 2,690 |
| Net loans and leases to core deposits | 98.9494% | 4,491 |
| Total domestic deposits to total assets | 82.4787% | 4,464 |
| Equity capital to assets | 10.7021% | 3,285 |
| Core capital (leverage) ratio | 8.1150% | 6,162 |
| Tier 1 risk-based capital ratio | 11.0654% | 5,886 |
| Total risk-based capital ratio | 12.3342% | 5,824 |
| Memoranda: | ||
| Average total assets | $241,807,250 | 2,717 |
| Average earning assets | $210,072,500 | 2,858 |
| Average equity | $25,693,000 | 2,573 |
| Average total loans | $187,900,000 | 2,451 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 4,628 |
| Cost of funding earning assets | 1.9040% | 4,242 |
| Net interest margin | 3.5966% | 4,374 |
| Noninterest income to average assets | 0.9381% | 1,805 |
| Noninterest expense to average assets | 3.8550% | 1,569 |
| Loan and lease loss provision to assets | 2.3277% | 685 |
| Net operating income to assets | -1.2950% | 7,162 |
| Return on assets (ROA) | -1.2331% | 7,141 |
| Pretax return on assets | -2.0246% | 7,296 |
| Return on Equity (ROE) | -11.6321% | 7,148 |
| Retained earnings to average equity (ytd only) | -11.6321% | 7,024 |
| Net charge-offs to loans | 2.6368% | 639 |
| Credit loss provision to net charge-offs | 112.7381% | 4,112 |
| Earnings coverage of net charge-offs (x) | 0.1000% | 5,578 |
| Efficiency ratio | 94.7145% | 1,459 |
| Assets per employee ($millions) | 2.7896% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8884% | 623 |
| Loan loss allowance to noncurrent loans | 62.7296% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 3.9766% | 1,498 |
| Noncurrent loans to loans | 4.6045% | 1,387 |
| Net loans and leases to total assets | 75.5352% | 2,304 |
| Net loans and leases to deposits | 92.5147% | 2,365 |
| Net loans and leases to core deposits | 102.8506% | 4,199 |
| Total domestic deposits to total assets | 81.6466% | 4,838 |
| Equity capital to assets | 10.4605% | 3,456 |
| Core capital (leverage) ratio | 8.0346% | 6,265 |
| Tier 1 risk-based capital ratio | 10.3199% | 6,569 |
| Total risk-based capital ratio | 11.5887% | 6,485 |
| Memoranda: | ||
| Average total assets | $244,101,000 | 2,715 |
| Average earning assets | $211,976,000 | 2,843 |
| Average equity | $25,876,670 | 2,565 |
| Average total loans | $191,137,330 | 2,447 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5516% | 4,631 |
| Cost of funding earning assets | 1.9961% | 4,152 |
| Net interest margin | 3.5556% | 4,501 |
| Noninterest income to average assets | 0.9338% | 1,725 |
| Noninterest expense to average assets | 3.7739% | 1,518 |
| Loan and lease loss provision to assets | 0.3037% | 3,519 |
| Net operating income to assets | 0.0001% | 6,251 |
| Return on assets (ROA) | 0.0404% | 6,304 |
| Pretax return on assets | -0.0016% | 6,379 |
| Return on Equity (ROE) | 0.3786% | 6,314 |
| Retained earnings to average equity (ytd only) | 0.3786% | 5,507 |
| Net charge-offs to loans | 0.6293% | 1,919 |
| Credit loss provision to net charge-offs | 61.4379% | 4,490 |
| Earnings coverage of net charge-offs (x) | 0.4837% | 4,599 |
| Efficiency ratio | 93.8406% | 1,442 |
| Assets per employee ($millions) | 2.7771% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5897% | 701 |
| Loan loss allowance to noncurrent loans | 35.5962% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 6.2483% | 616 |
| Noncurrent loans to loans | 7.2752% | 529 |
| Net loans and leases to total assets | 75.2186% | 2,448 |
| Net loans and leases to deposits | 92.8005% | 2,469 |
| Net loans and leases to core deposits | 99.1473% | 4,625 |
| Total domestic deposits to total assets | 81.0541% | 4,948 |
| Equity capital to assets | 10.8051% | 3,179 |
| Core capital (leverage) ratio | 8.8720% | 4,889 |
| Tier 1 risk-based capital ratio | 11.3061% | 5,591 |
| Total risk-based capital ratio | 12.5725% | 5,486 |
| Memoranda: | ||
| Average total assets | $247,595,500 | 2,678 |
| Average earning assets | $214,423,000 | 2,834 |
| Average equity | $26,413,500 | 2,534 |
| Average total loans | $194,491,000 | 2,427 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0577% | 5,263 |
| Cost of funding earning assets | 2.6493% | 3,437 |
| Net interest margin | 3.4084% | 5,627 |
| Noninterest income to average assets | 0.8918% | 1,994 |
| Noninterest expense to average assets | 3.4415% | 2,549 |
| Loan and lease loss provision to assets | 1.4285% | 962 |
| Net operating income to assets | -0.5887% | 6,998 |
| Return on assets (ROA) | -0.5867% | 6,882 |
| Pretax return on assets | -0.9840% | 6,988 |
| Return on Equity (ROE) | -6.1240% | 6,970 |
| Retained earnings to average equity (ytd only) | -6.1240% | 6,678 |
| Net charge-offs to loans | 1.0472% | 1,174 |
| Credit loss provision to net charge-offs | 167.7966% | 3,065 |
| Earnings coverage of net charge-offs (x) | 0.5184% | 5,920 |
| Efficiency ratio | 88.4528% | 1,637 |
| Assets per employee ($millions) | 2.6968% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4991% | 682 |
| Loan loss allowance to noncurrent loans | 50.0700% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 4.4118% | 868 |
| Noncurrent loans to loans | 4.9912% | 883 |
| Net loans and leases to total assets | 77.8558% | 2,180 |
| Net loans and leases to deposits | 96.4586% | 2,375 |
| Net loans and leases to core deposits | 103.0890% | 4,498 |
| Total domestic deposits to total assets | 80.7142% | 4,768 |
| Equity capital to assets | 10.5344% | 3,460 |
| Core capital (leverage) ratio | 8.5206% | 5,539 |
| Tier 1 risk-based capital ratio | 10.7206% | 5,982 |
| Total risk-based capital ratio | 11.9864% | 5,877 |
| Memoranda: | ||
| Average total assets | $284,148,000 | 2,292 |
| Average earning assets | $249,352,200 | 2,378 |
| Average equity | $27,220,800 | 2,460 |
| Average total loans | $230,988,200 | 2,040 |