Home > Community National Bank > Performance and Condition Ratios
Community National Bank, Performance and Condition Ratios
| 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 | 4.0214% | 3,154 |
| Cost of funding earning assets | 0.5217% | 2,092 |
| Net interest margin | 3.4996% | 3,439 |
| Noninterest income to average assets | 0.3518% | 4,382 |
| Noninterest expense to average assets | 2.5954% | 3,951 |
| Loan and lease loss provision to assets | 0.0757% | 2,435 |
| Net operating income to assets | 0.5992% | 4,296 |
| Return on assets (ROA) | 0.5992% | 4,393 |
| Pretax return on assets | 0.9518% | 3,683 |
| Return on Equity (ROE) | 7.0254% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.0254% | 2,001 |
| Net charge-offs to loans | -0.1069% | 5,879 |
| Credit loss provision to net charge-offs | -87.3786% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6376% | 3,229 |
| Assets per employee ($millions) | 8.6412% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 2,624 |
| Loan loss allowance to noncurrent loans | 166.6520% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 3,338 |
| Noncurrent loans to loans | 0.8756% | 3,056 |
| Net loans and leases to total assets | 80.9469% | 578 |
| Net loans and leases to deposits | 93.2142% | 1,068 |
| Net loans and leases to core deposits | 128.5188% | 261 |
| Total domestic deposits to total assets | 86.8396% | 2,460 |
| Equity capital to assets | 8.6361% | 5,626 |
| Core capital (leverage) ratio | 8.7439% | 5,269 |
| Tier 1 risk-based capital ratio | 11.1285% | 5,749 |
| Total risk-based capital ratio | 12.3822% | 5,663 |
| Memoranda: | ||
| Average total assets | $950,603,500 | 732 |
| Average earning assets | $888,556,500 | 715 |
| Average equity | $81,077,000 | 943 |
| Average total loans | $770,668,000 | 601 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 2,899 |
| Cost of funding earning assets | 0.5236% | 2,454 |
| Net interest margin | 3.6923% | 3,032 |
| Noninterest income to average assets | 0.4258% | 4,001 |
| Noninterest expense to average assets | 2.7511% | 3,671 |
| Loan and lease loss provision to assets | 0.3018% | 679 |
| Net operating income to assets | 0.4787% | 4,893 |
| Return on assets (ROA) | 0.4833% | 4,967 |
| Pretax return on assets | 0.8211% | 4,188 |
| Return on Equity (ROE) | 5.7154% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.7154% | 2,124 |
| Net charge-offs to loans | 0.1495% | 2,541 |
| Credit loss provision to net charge-offs | 252.3452% | 1,010 |
| Earnings coverage of net charge-offs (x) | 9.3283% | 2,767 |
| Efficiency ratio | 71.1459% | 3,346 |
| Assets per employee ($millions) | 8.0565% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 2,708 |
| Loan loss allowance to noncurrent loans | 156.9209% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 3,363 |
| Noncurrent loans to loans | 0.9224% | 3,009 |
| Net loans and leases to total assets | 78.8396% | 901 |
| Net loans and leases to deposits | 90.4323% | 1,476 |
| Net loans and leases to core deposits | 121.8707% | 371 |
| Total domestic deposits to total assets | 87.1807% | 2,176 |
| Equity capital to assets | 8.4219% | 5,813 |
| Core capital (leverage) ratio | 8.6273% | 5,413 |
| Tier 1 risk-based capital ratio | 11.4819% | 5,673 |
| Total risk-based capital ratio | 12.7360% | 5,588 |
| Memoranda: | ||
| Average total assets | $891,239,200 | 747 |
| Average earning assets | $830,599,600 | 737 |
| Average equity | $75,358,400 | 971 |
| Average total loans | $713,113,000 | 609 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,847 |
| Cost of funding earning assets | 0.5155% | 2,605 |
| Net interest margin | 3.7225% | 2,933 |
| Noninterest income to average assets | 0.4800% | 3,685 |
| Noninterest expense to average assets | 2.7607% | 3,604 |
| Loan and lease loss provision to assets | 0.3164% | 594 |
| Net operating income to assets | 0.5194% | 4,808 |
| Return on assets (ROA) | 0.5214% | 4,859 |
| Pretax return on assets | 0.8739% | 4,096 |
| Return on Equity (ROE) | 6.1595% | 4,153 |
| Retained earnings to average equity (ytd only) | 6.1595% | 2,304 |
| Net charge-offs to loans | 0.1588% | 2,219 |
| Credit loss provision to net charge-offs | 249.1018% | 1,059 |
| Earnings coverage of net charge-offs (x) | 9.3461% | 2,685 |
| Efficiency ratio | 69.9268% | 3,523 |
| Assets per employee ($millions) | 7.9413% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 3,090 |
| Loan loss allowance to noncurrent loans | 541.1914% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 5,393 |
| Noncurrent loans to loans | 0.2619% | 5,124 |
| Net loans and leases to total assets | 78.2228% | 936 |
| Net loans and leases to deposits | 89.4745% | 1,481 |
| Net loans and leases to core deposits | 118.1973% | 430 |
| Total domestic deposits to total assets | 87.4247% | 2,080 |
| Equity capital to assets | 8.0986% | 6,082 |
| Core capital (leverage) ratio | 8.4222% | 5,733 |
| Tier 1 risk-based capital ratio | 11.1461% | 5,934 |
| Total risk-based capital ratio | 12.3996% | 5,887 |
| Memoranda: | ||
| Average total assets | $876,381,250 | 763 |
| Average earning assets | $816,463,000 | 753 |
| Average equity | $74,181,750 | 988 |
| Average total loans | $701,263,000 | 618 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,707 |
| Cost of funding earning assets | 0.4952% | 2,879 |
| Net interest margin | 3.7734% | 2,654 |
| Noninterest income to average assets | 0.4790% | 3,641 |
| Noninterest expense to average assets | 2.8267% | 3,405 |
| Loan and lease loss provision to assets | 0.3550% | 502 |
| Net operating income to assets | 0.4949% | 4,832 |
| Return on assets (ROA) | 0.4979% | 4,899 |
| Pretax return on assets | 0.8141% | 4,217 |
| Return on Equity (ROE) | 5.7903% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.7903% | 2,456 |
| Net charge-offs to loans | 0.0006% | 4,368 |
| Credit loss provision to net charge-offs | 75,750.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 2,484.5000% | 15 |
| Efficiency ratio | 70.8255% | 3,524 |
| Assets per employee ($millions) | 7.3891% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 2,868 |
| Loan loss allowance to noncurrent loans | 451.7828% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 5,298 |
| Noncurrent loans to loans | 0.3334% | 5,015 |
| Net loans and leases to total assets | 78.4044% | 858 |
| Net loans and leases to deposits | 90.1678% | 1,356 |
| Net loans and leases to core deposits | 113.8030% | 544 |
| Total domestic deposits to total assets | 86.9538% | 2,473 |
| Equity capital to assets | 8.2790% | 5,963 |
| Core capital (leverage) ratio | 8.9434% | 5,101 |
| Tier 1 risk-based capital ratio | 11.4229% | 5,845 |
| Total risk-based capital ratio | 12.6777% | 5,795 |
| Memoranda: | ||
| Average total assets | $853,503,000 | 790 |
| Average earning assets | $794,403,000 | 771 |
| Average equity | $73,398,000 | 994 |
| Average total loans | $685,068,330 | 625 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 1,920 |
| Cost of funding earning assets | 0.4939% | 2,971 |
| Net interest margin | 3.9707% | 1,855 |
| Noninterest income to average assets | 0.6011% | 2,729 |
| Noninterest expense to average assets | 2.9522% | 3,040 |
| Loan and lease loss provision to assets | 0.4723% | 329 |
| Net operating income to assets | 0.5290% | 4,561 |
| Return on assets (ROA) | 0.5352% | 4,602 |
| Pretax return on assets | 0.8782% | 3,792 |
| Return on Equity (ROE) | 6.0987% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.0987% | 2,485 |
| Net charge-offs to loans | 0.0018% | 3,640 |
| Credit loss provision to net charge-offs | 32,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 922.6667% | 29 |
| Efficiency ratio | 68.7690% | 4,052 |
| Assets per employee ($millions) | 7.0599% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 2,951 |
| Loan loss allowance to noncurrent loans | 791.1383% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 5,772 |
| Noncurrent loans to loans | 0.1953% | 5,509 |
| Net loans and leases to total assets | 79.2227% | 636 |
| Net loans and leases to deposits | 93.1688% | 861 |
| Net loans and leases to core deposits | 115.2984% | 424 |
| Total domestic deposits to total assets | 85.0314% | 3,849 |
| Equity capital to assets | 8.8016% | 5,335 |
| Core capital (leverage) ratio | 9.1250% | 4,828 |
| Tier 1 risk-based capital ratio | 12.0391% | 5,619 |
| Total risk-based capital ratio | 13.2943% | 5,549 |
| Memoranda: | ||
| Average total assets | $825,822,500 | 829 |
| Average earning assets | $767,827,500 | 807 |
| Average equity | $72,474,500 | 1,004 |
| Average total loans | $665,859,500 | 646 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,613 |
| Cost of funding earning assets | 0.5506% | 3,106 |
| Net interest margin | 3.8420% | 2,496 |
| Noninterest income to average assets | 0.4989% | 3,770 |
| Noninterest expense to average assets | 2.8914% | 3,396 |
| Loan and lease loss provision to assets | 0.5402% | 495 |
| Net operating income to assets | 0.3958% | 5,162 |
| Return on assets (ROA) | 0.3983% | 5,265 |
| Pretax return on assets | 0.6336% | 4,756 |
| Return on Equity (ROE) | 4.1134% | 5,053 |
| Retained earnings to average equity (ytd only) | 4.1134% | 3,249 |
| Net charge-offs to loans | 0.2127% | 2,758 |
| Credit loss provision to net charge-offs | 326.7755% | 707 |
| Earnings coverage of net charge-offs (x) | 7.0767% | 2,917 |
| Efficiency ratio | 71.1955% | 3,627 |
| Assets per employee ($millions) | 6.9371% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 3,554 |
| Loan loss allowance to noncurrent loans | 799.3186% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 5,890 |
| Noncurrent loans to loans | 0.1775% | 5,668 |
| Net loans and leases to total assets | 79.6504% | 633 |
| Net loans and leases to deposits | 94.8991% | 809 |
| Net loans and leases to core deposits | 115.6950% | 431 |
| Total domestic deposits to total assets | 83.9317% | 4,191 |
| Equity capital to assets | 8.7500% | 5,306 |
| Core capital (leverage) ratio | 9.1173% | 4,831 |
| Tier 1 risk-based capital ratio | 11.9074% | 5,668 |
| Total risk-based capital ratio | 13.1608% | 5,603 |
| Memoranda: | ||
| Average total assets | $741,058,200 | 899 |
| Average earning assets | $687,119,200 | 881 |
| Average equity | $71,765,400 | 991 |
| Average total loans | $575,912,000 | 729 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,542 |
| Cost of funding earning assets | 0.5524% | 3,238 |
| Net interest margin | 3.8627% | 2,406 |
| Noninterest income to average assets | 0.5581% | 3,406 |
| Noninterest expense to average assets | 2.8921% | 3,328 |
| Loan and lease loss provision to assets | 0.6706% | 326 |
| Net operating income to assets | 0.3642% | 5,392 |
| Return on assets (ROA) | 0.3677% | 5,513 |
| Pretax return on assets | 0.5796% | 5,099 |
| Return on Equity (ROE) | 3.6953% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.6953% | 4,073 |
| Net charge-offs to loans | 0.3111% | 1,983 |
| Credit loss provision to net charge-offs | 280.5255% | 907 |
| Earnings coverage of net charge-offs (x) | 5.2071% | 3,256 |
| Efficiency ratio | 69.9089% | 3,772 |
| Assets per employee ($millions) | 7.0560% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 3,677 |
| Loan loss allowance to noncurrent loans | 576.9032% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 5,854 |
| Noncurrent loans to loans | 0.2518% | 5,596 |
| Net loans and leases to total assets | 76.0955% | 993 |
| Net loans and leases to deposits | 87.5475% | 1,423 |
| Net loans and leases to core deposits | 107.4282% | 690 |
| Total domestic deposits to total assets | 86.9191% | 2,740 |
| Equity capital to assets | 8.9436% | 5,252 |
| Core capital (leverage) ratio | 9.6199% | 4,220 |
| Tier 1 risk-based capital ratio | 12.3807% | 5,530 |
| Total risk-based capital ratio | 13.6339% | 5,464 |
| Memoranda: | ||
| Average total assets | $721,677,250 | 927 |
| Average earning assets | $668,635,250 | 905 |
| Average equity | $71,800,250 | 999 |
| Average total loans | $554,543,000 | 757 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 2,221 |
| Cost of funding earning assets | 0.5701% | 3,219 |
| Net interest margin | 3.9246% | 2,131 |
| Noninterest income to average assets | 0.5838% | 3,297 |
| Noninterest expense to average assets | 2.9506% | 3,160 |
| Loan and lease loss provision to assets | 0.4638% | 616 |
| Net operating income to assets | 0.4935% | 4,829 |
| Return on assets (ROA) | 0.4988% | 4,980 |
| Pretax return on assets | 0.8133% | 4,260 |
| Return on Equity (ROE) | 4.8274% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.8274% | 3,169 |
| Net charge-offs to loans | -0.0026% | 5,557 |
| Credit loss provision to net charge-offs | -23,071.4286% | 6,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9313% | 3,839 |
| Assets per employee ($millions) | 6.5876% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 3,585 |
| Loan loss allowance to noncurrent loans | 386.2911% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 5,578 |
| Noncurrent loans to loans | 0.3885% | 5,301 |
| Net loans and leases to total assets | 75.2095% | 1,087 |
| Net loans and leases to deposits | 92.2775% | 936 |
| Net loans and leases to core deposits | 102.0123% | 938 |
| Total domestic deposits to total assets | 81.5036% | 5,214 |
| Equity capital to assets | 9.9841% | 3,933 |
| Core capital (leverage) ratio | 10.0985% | 3,375 |
| Tier 1 risk-based capital ratio | 13.9040% | 4,487 |
| Total risk-based capital ratio | 15.1580% | 4,455 |
| Memoranda: | ||
| Average total assets | $696,459,670 | 955 |
| Average earning assets | $645,154,330 | 939 |
| Average equity | $71,963,670 | 1,001 |
| Average total loans | $534,166,000 | 781 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,322 |
| Cost of funding earning assets | 0.5771% | 3,315 |
| Net interest margin | 3.8812% | 2,175 |
| Noninterest income to average assets | 0.5309% | 3,564 |
| Noninterest expense to average assets | 2.8970% | 3,358 |
| Loan and lease loss provision to assets | 0.3617% | 896 |
| Net operating income to assets | 0.5393% | 4,500 |
| Return on assets (ROA) | 0.5501% | 4,608 |
| Pretax return on assets | 0.8791% | 3,841 |
| Return on Equity (ROE) | 5.2316% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.2316% | 3,096 |
| Net charge-offs to loans | -0.0015% | 5,150 |
| Credit loss provision to net charge-offs | -31,000.0000% | 5,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3001% | 3,922 |
| Assets per employee ($millions) | 6.7195% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 4,548 |
| Loan loss allowance to noncurrent loans | 705.1707% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,137 |
| Noncurrent loans to loans | 0.1889% | 5,930 |
| Net loans and leases to total assets | 75.8822% | 857 |
| Net loans and leases to deposits | 91.0588% | 883 |
| Net loans and leases to core deposits | 98.6446% | 1,037 |
| Total domestic deposits to total assets | 83.3331% | 4,742 |
| Equity capital to assets | 10.2612% | 3,845 |
| Core capital (leverage) ratio | 10.4242% | 2,876 |
| Tier 1 risk-based capital ratio | 13.7727% | 4,674 |
| Total risk-based capital ratio | 15.0244% | 4,638 |
| Memoranda: | ||
| Average total assets | $685,663,500 | 982 |
| Average earning assets | $634,236,000 | 975 |
| Average equity | $72,100,000 | 1,011 |
| Average total loans | $527,113,500 | 798 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 3,395 |
| Cost of funding earning assets | 0.7828% | 2,801 |
| Net interest margin | 3.7160% | 3,579 |
| Noninterest income to average assets | 0.5464% | 3,609 |
| Noninterest expense to average assets | 2.9344% | 3,522 |
| Loan and lease loss provision to assets | 0.3598% | 1,846 |
| Net operating income to assets | 0.4378% | 4,937 |
| Return on assets (ROA) | 0.4678% | 5,063 |
| Pretax return on assets | 0.7213% | 4,589 |
| Return on Equity (ROE) | 4.0717% | 5,110 |
| Retained earnings to average equity (ytd only) | 4.0717% | 3,351 |
| Net charge-offs to loans | 0.0773% | 4,901 |
| Credit loss provision to net charge-offs | 633.8150% | 384 |
| Earnings coverage of net charge-offs (x) | 18.2312% | 1,451 |
| Efficiency ratio | 73.9263% | 3,082 |
| Assets per employee ($millions) | 6.6578% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 4,676 |
| Loan loss allowance to noncurrent loans | 455.2722% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 6,016 |
| Noncurrent loans to loans | 0.2836% | 5,774 |
| Net loans and leases to total assets | 75.8522% | 937 |
| Net loans and leases to deposits | 89.6454% | 1,107 |
| Net loans and leases to core deposits | 96.1166% | 1,292 |
| Total domestic deposits to total assets | 84.6136% | 4,031 |
| Equity capital to assets | 10.7847% | 3,186 |
| Core capital (leverage) ratio | 10.3467% | 2,948 |
| Tier 1 risk-based capital ratio | 13.8535% | 4,490 |
| Total risk-based capital ratio | 15.1047% | 4,445 |
| Memoranda: | ||
| Average total assets | $609,488,600 | 1,088 |
| Average earning assets | $561,444,000 | 1,083 |
| Average equity | $70,019,800 | 1,004 |
| Average total loans | $447,400,400 | 927 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 3,511 |
| Cost of funding earning assets | 0.8240% | 2,744 |
| Net interest margin | 3.7083% | 3,765 |
| Noninterest income to average assets | 0.5529% | 3,592 |
| Noninterest expense to average assets | 2.9700% | 3,338 |
| Loan and lease loss provision to assets | 0.3119% | 2,113 |
| Net operating income to assets | 0.4436% | 5,063 |
| Return on assets (ROA) | 0.4835% | 5,168 |
| Pretax return on assets | 0.7495% | 4,679 |
| Return on Equity (ROE) | 4.1375% | 5,241 |
| Retained earnings to average equity (ytd only) | 4.1375% | 3,995 |
| Net charge-offs to loans | 0.0767% | 4,638 |
| Credit loss provision to net charge-offs | 561.6935% | 475 |
| Earnings coverage of net charge-offs (x) | 18.0080% | 1,591 |
| Efficiency ratio | 74.8096% | 2,856 |
| Assets per employee ($millions) | 6.5043% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,874 |
| Loan loss allowance to noncurrent loans | 406.0523% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 5,908 |
| Noncurrent loans to loans | 0.3168% | 5,845 |
| Net loans and leases to total assets | 70.3488% | 1,846 |
| Net loans and leases to deposits | 83.5225% | 1,927 |
| Net loans and leases to core deposits | 90.1766% | 1,964 |
| Total domestic deposits to total assets | 84.2274% | 4,118 |
| Equity capital to assets | 11.0424% | 3,218 |
| Core capital (leverage) ratio | 10.6955% | 2,707 |
| Tier 1 risk-based capital ratio | 15.2818% | 3,656 |
| Total risk-based capital ratio | 16.5327% | 3,608 |
| Memoranda: | ||
| Average total assets | $595,415,000 | 1,127 |
| Average earning assets | $548,672,750 | 1,118 |
| Average equity | $69,574,000 | 1,014 |
| Average total loans | $431,346,250 | 977 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 3,432 |
| Cost of funding earning assets | 0.8664% | 2,685 |
| Net interest margin | 3.7178% | 3,736 |
| Noninterest income to average assets | 0.4689% | 4,143 |
| Noninterest expense to average assets | 2.9832% | 3,326 |
| Loan and lease loss provision to assets | 0.3170% | 2,082 |
| Net operating income to assets | 0.3841% | 5,272 |
| Return on assets (ROA) | 0.4140% | 5,396 |
| Pretax return on assets | 0.6374% | 5,002 |
| Return on Equity (ROE) | 3.4722% | 5,496 |
| Retained earnings to average equity (ytd only) | 3.4722% | 4,285 |
| Net charge-offs to loans | 0.1327% | 3,866 |
| Credit loss provision to net charge-offs | 327.8571% | 905 |
| Earnings coverage of net charge-offs (x) | 9.3964% | 2,174 |
| Efficiency ratio | 76.6569% | 2,644 |
| Assets per employee ($millions) | 6.5131% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 5,309 |
| Loan loss allowance to noncurrent loans | 731.3008% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 6,252 |
| Noncurrent loans to loans | 0.1655% | 6,253 |
| Net loans and leases to total assets | 71.1877% | 1,696 |
| Net loans and leases to deposits | 86.0398% | 1,590 |
| Net loans and leases to core deposits | 92.6814% | 1,712 |
| Total domestic deposits to total assets | 82.7381% | 4,857 |
| Equity capital to assets | 11.2991% | 2,789 |
| Core capital (leverage) ratio | 10.9969% | 2,297 |
| Tier 1 risk-based capital ratio | 15.5259% | 3,422 |
| Total risk-based capital ratio | 16.7758% | 3,389 |
| Memoranda: | ||
| Average total assets | $579,244,330 | 1,159 |
| Average earning assets | $533,266,670 | 1,147 |
| Average equity | $69,063,670 | 1,016 |
| Average total loans | $422,162,000 | 997 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 3,368 |
| Cost of funding earning assets | 0.9082% | 2,625 |
| Net interest margin | 3.7190% | 3,742 |
| Noninterest income to average assets | 0.3696% | 4,911 |
| Noninterest expense to average assets | 2.9999% | 3,251 |
| Loan and lease loss provision to assets | 0.3167% | 1,977 |
| Net operating income to assets | 0.3145% | 5,611 |
| Return on assets (ROA) | 0.3768% | 5,546 |
| Pretax return on assets | 0.5727% | 5,208 |
| Return on Equity (ROE) | 3.0711% | 5,693 |
| Retained earnings to average equity (ytd only) | 3.0711% | 4,720 |
| Net charge-offs to loans | -0.0039% | 5,771 |
| Credit loss provision to net charge-offs | -11,075.0000% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0505% | 2,344 |
| Assets per employee ($millions) | 6.3137% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 5,375 |
| Loan loss allowance to noncurrent loans | 379.1697% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 6,031 |
| Noncurrent loans to loans | 0.3232% | 6,031 |
| Net loans and leases to total assets | 71.4701% | 1,488 |
| Net loans and leases to deposits | 88.3445% | 1,126 |
| Net loans and leases to core deposits | 93.7934% | 1,483 |
| Total domestic deposits to total assets | 80.8993% | 5,634 |
| Equity capital to assets | 11.7333% | 2,235 |
| Core capital (leverage) ratio | 11.9863% | 1,599 |
| Tier 1 risk-based capital ratio | 16.1553% | 3,095 |
| Total risk-based capital ratio | 17.4057% | 3,058 |
| Memoranda: | ||
| Average total assets | $559,492,000 | 1,214 |
| Average earning assets | $515,301,000 | 1,194 |
| Average equity | $68,639,000 | 1,019 |
| Average total loans | $410,308,000 | 1,022 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 4,092 |
| Cost of funding earning assets | 1.0863% | 2,756 |
| Net interest margin | 3.6505% | 4,518 |
| Noninterest income to average assets | 0.8474% | 1,856 |
| Noninterest expense to average assets | 3.0035% | 3,580 |
| Loan and lease loss provision to assets | 0.5241% | 2,002 |
| Net operating income to assets | 0.4449% | 4,671 |
| Return on assets (ROA) | 0.4619% | 4,785 |
| Pretax return on assets | 0.7070% | 4,300 |
| Return on Equity (ROE) | 3.4762% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.4762% | 3,744 |
| Net charge-offs to loans | 0.5088% | 2,957 |
| Credit loss provision to net charge-offs | 143.9211% | 2,009 |
| Earnings coverage of net charge-offs (x) | 3.3089% | 3,560 |
| Efficiency ratio | 71.3676% | 3,720 |
| Assets per employee ($millions) | 6.0433% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 5,377 |
| Loan loss allowance to noncurrent loans | 373.5479% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 6,086 |
| Noncurrent loans to loans | 0.3219% | 6,089 |
| Net loans and leases to total assets | 73.5220% | 1,351 |
| Net loans and leases to deposits | 91.9445% | 973 |
| Net loans and leases to core deposits | 99.1238% | 1,251 |
| Total domestic deposits to total assets | 79.9634% | 5,751 |
| Equity capital to assets | 12.8586% | 1,568 |
| Core capital (leverage) ratio | 12.7495% | 1,239 |
| Tier 1 risk-based capital ratio | 17.4950% | 2,387 |
| Total risk-based capital ratio | 18.7452% | 2,351 |
| Memoranda: | ||
| Average total assets | $501,416,400 | 1,338 |
| Average earning assets | $461,666,600 | 1,327 |
| Average equity | $66,625,400 | 1,009 |
| Average total loans | $358,860,000 | 1,176 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 4,283 |
| Cost of funding earning assets | 1.1187% | 2,842 |
| Net interest margin | 3.6208% | 4,691 |
| Noninterest income to average assets | 0.9609% | 1,447 |
| Noninterest expense to average assets | 3.0410% | 3,398 |
| Loan and lease loss provision to assets | 0.4976% | 1,996 |
| Net operating income to assets | 0.4820% | 4,621 |
| Return on assets (ROA) | 0.5046% | 4,712 |
| Pretax return on assets | 0.7941% | 4,155 |
| Return on Equity (ROE) | 3.7651% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.7651% | 4,062 |
| Net charge-offs to loans | 0.5606% | 2,559 |
| Credit loss provision to net charge-offs | 125.3741% | 2,560 |
| Earnings coverage of net charge-offs (x) | 3.1653% | 3,554 |
| Efficiency ratio | 70.7653% | 3,797 |
| Assets per employee ($millions) | 5.6423% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,630 |
| Loan loss allowance to noncurrent loans | 275.7962% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 6,288 |
| Noncurrent loans to loans | 0.4213% | 5,998 |
| Net loans and leases to total assets | 73.3424% | 1,446 |
| Net loans and leases to deposits | 91.9036% | 1,021 |
| Net loans and leases to core deposits | 99.8631% | 1,254 |
| Total domestic deposits to total assets | 79.8037% | 5,792 |
| Equity capital to assets | 13.4906% | 1,371 |
| Core capital (leverage) ratio | 12.7862% | 1,309 |
| Tier 1 risk-based capital ratio | 18.6806% | 2,035 |
| Total risk-based capital ratio | 19.9202% | 1,995 |
| Memoranda: | ||
| Average total assets | $493,818,500 | 1,357 |
| Average earning assets | $455,029,500 | 1,347 |
| Average equity | $66,186,000 | 1,024 |
| Average total loans | $349,636,250 | 1,227 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6764% | 4,637 |
| Cost of funding earning assets | 1.1393% | 2,973 |
| Net interest margin | 3.5371% | 4,986 |
| Noninterest income to average assets | 1.0793% | 1,117 |
| Noninterest expense to average assets | 3.0466% | 3,446 |
| Loan and lease loss provision to assets | 0.5022% | 1,950 |
| Net operating income to assets | 0.5040% | 4,484 |
| Return on assets (ROA) | 0.5124% | 4,586 |
| Pretax return on assets | 0.8061% | 4,003 |
| Return on Equity (ROE) | 3.8315% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.8315% | 3,771 |
| Net charge-offs to loans | 0.2369% | 3,702 |
| Credit loss provision to net charge-offs | 304.4444% | 995 |
| Earnings coverage of net charge-offs (x) | 7.8519% | 2,153 |
| Efficiency ratio | 70.1689% | 4,084 |
| Assets per employee ($millions) | 6.5871% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 4,843 |
| Loan loss allowance to noncurrent loans | 97.1771% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 4,971 |
| Noncurrent loans to loans | 1.3868% | 4,325 |
| Net loans and leases to total assets | 67.3115% | 2,758 |
| Net loans and leases to deposits | 83.7139% | 2,152 |
| Net loans and leases to core deposits | 91.0858% | 2,243 |
| Total domestic deposits to total assets | 80.4066% | 5,705 |
| Equity capital to assets | 12.8122% | 1,620 |
| Core capital (leverage) ratio | 13.1892% | 1,089 |
| Tier 1 risk-based capital ratio | 19.4956% | 1,719 |
| Total risk-based capital ratio | 20.7482% | 1,689 |
| Memoranda: | ||
| Average total assets | $491,036,330 | 1,367 |
| Average earning assets | $452,915,670 | 1,351 |
| Average equity | $65,666,330 | 1,030 |
| Average total loans | $341,971,670 | 1,263 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 4,408 |
| Cost of funding earning assets | 1.2121% | 2,732 |
| Net interest margin | 3.5106% | 4,957 |
| Noninterest income to average assets | 1.3930% | 670 |
| Noninterest expense to average assets | 3.1698% | 2,990 |
| Loan and lease loss provision to assets | 0.6382% | 1,351 |
| Net operating income to assets | 0.5178% | 4,416 |
| Return on assets (ROA) | 0.5231% | 4,475 |
| Pretax return on assets | 0.8279% | 3,799 |
| Return on Equity (ROE) | 3.8242% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.8242% | 3,879 |
| Net charge-offs to loans | 0.0417% | 4,527 |
| Credit loss provision to net charge-offs | 2,171.4286% | 183 |
| Earnings coverage of net charge-offs (x) | 49.6000% | 584 |
| Efficiency ratio | 68.4994% | 4,562 |
| Assets per employee ($millions) | 6.1803% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 4,757 |
| Loan loss allowance to noncurrent loans | 95.2788% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 4,844 |
| Noncurrent loans to loans | 1.4504% | 4,293 |
| Net loans and leases to total assets | 70.2092% | 2,088 |
| Net loans and leases to deposits | 90.3021% | 1,195 |
| Net loans and leases to core deposits | 99.0011% | 1,429 |
| Total domestic deposits to total assets | 77.7492% | 6,405 |
| Equity capital to assets | 13.7777% | 1,076 |
| Core capital (leverage) ratio | 13.3188% | 1,021 |
| Tier 1 risk-based capital ratio | 19.7523% | 1,637 |
| Total risk-based capital ratio | 21.0048% | 1,610 |
| Memoranda: | ||
| Average total assets | $476,365,000 | 1,419 |
| Average earning assets | $438,895,500 | 1,405 |
| Average equity | $65,163,500 | 1,028 |
| Average total loans | $335,427,500 | 1,301 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 5,452 |
| Cost of funding earning assets | 1.3763% | 3,414 |
| Net interest margin | 3.4129% | 5,581 |
| Noninterest income to average assets | 0.4250% | 4,708 |
| Noninterest expense to average assets | 2.8627% | 4,368 |
| Loan and lease loss provision to assets | 0.3544% | 4,002 |
| Net operating income to assets | 0.2552% | 5,096 |
| Return on assets (ROA) | 0.3259% | 5,004 |
| Pretax return on assets | 0.5086% | 4,589 |
| Return on Equity (ROE) | 2.5755% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.5755% | 4,059 |
| Net charge-offs to loans | 0.3044% | 4,494 |
| Credit loss provision to net charge-offs | 172.8155% | 1,950 |
| Earnings coverage of net charge-offs (x) | 3.6699% | 3,244 |
| Efficiency ratio | 79.1812% | 2,511 |
| Assets per employee ($millions) | 6.2743% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 5,561 |
| Loan loss allowance to noncurrent loans | 93.9682% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 5,250 |
| Noncurrent loans to loans | 1.2682% | 4,597 |
| Net loans and leases to total assets | 68.8066% | 2,786 |
| Net loans and leases to deposits | 91.2395% | 1,364 |
| Net loans and leases to core deposits | 98.8101% | 1,719 |
| Total domestic deposits to total assets | 75.4132% | 6,709 |
| Equity capital to assets | 13.5811% | 1,159 |
| Core capital (leverage) ratio | 13.4506% | 982 |
| Tier 1 risk-based capital ratio | 20.5381% | 1,397 |
| Total risk-based capital ratio | 21.7885% | 1,379 |
| Memoranda: | ||
| Average total assets | $451,992,000 | 1,472 |
| Average earning assets | $422,519,000 | 1,433 |
| Average equity | $57,192,000 | 1,161 |
| Average total loans | $304,519,400 | 1,477 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 5,645 |
| Cost of funding earning assets | 1.4004% | 3,581 |
| Net interest margin | 3.4033% | 5,670 |
| Noninterest income to average assets | 0.4397% | 4,639 |
| Noninterest expense to average assets | 2.9027% | 4,080 |
| Loan and lease loss provision to assets | 0.3894% | 3,562 |
| Net operating income to assets | 0.2032% | 5,501 |
| Return on assets (ROA) | 0.2575% | 5,478 |
| Pretax return on assets | 0.4226% | 5,159 |
| Return on Equity (ROE) | 2.0759% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.0759% | 4,920 |
| Net charge-offs to loans | 0.4117% | 3,649 |
| Credit loss provision to net charge-offs | 141.6757% | 2,792 |
| Earnings coverage of net charge-offs (x) | 2.6453% | 3,832 |
| Efficiency ratio | 79.9687% | 2,341 |
| Assets per employee ($millions) | 6.2859% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,572 |
| Loan loss allowance to noncurrent loans | 100.6868% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 5,562 |
| Noncurrent loans to loans | 1.1756% | 4,897 |
| Net loans and leases to total assets | 64.8981% | 3,927 |
| Net loans and leases to deposits | 82.2900% | 3,049 |
| Net loans and leases to core deposits | 88.8624% | 3,256 |
| Total domestic deposits to total assets | 78.8651% | 6,055 |
| Equity capital to assets | 13.7992% | 1,243 |
| Core capital (leverage) ratio | 13.6275% | 1,018 |
| Tier 1 risk-based capital ratio | 21.5781% | 1,269 |
| Total risk-based capital ratio | 22.8177% | 1,252 |
| Memoranda: | ||
| Average total assets | $445,778,750 | 1,514 |
| Average earning assets | $417,855,250 | 1,473 |
| Average equity | $55,299,750 | 1,207 |
| Average total loans | $297,634,750 | 1,521 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8845% | 5,466 |
| Cost of funding earning assets | 1.4244% | 3,721 |
| Net interest margin | 3.4601% | 5,401 |
| Noninterest income to average assets | 0.3728% | 5,154 |
| Noninterest expense to average assets | 2.9738% | 3,814 |
| Loan and lease loss provision to assets | 0.3280% | 3,774 |
| Net operating income to assets | 0.1929% | 5,587 |
| Return on assets (ROA) | 0.2090% | 5,660 |
| Pretax return on assets | 0.3486% | 5,375 |
| Return on Equity (ROE) | 1.7561% | 5,710 |
| Retained earnings to average equity (ytd only) | 1.7561% | 4,990 |
| Net charge-offs to loans | 0.5013% | 3,033 |
| Credit loss provision to net charge-offs | 97.4185% | 4,198 |
| Earnings coverage of net charge-offs (x) | 1.9348% | 4,068 |
| Efficiency ratio | 82.0315% | 2,164 |
| Assets per employee ($millions) | 6.4134% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,912 |
| Loan loss allowance to noncurrent loans | 5,530.5085% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 7,382 |
| Noncurrent loans to loans | 0.0200% | 7,277 |
| Net loans and leases to total assets | 61.4857% | 4,783 |
| Net loans and leases to deposits | 78.2839% | 3,917 |
| Net loans and leases to core deposits | 84.2044% | 4,115 |
| Total domestic deposits to total assets | 78.5420% | 6,143 |
| Equity capital to assets | 13.5678% | 1,320 |
| Core capital (leverage) ratio | 14.0603% | 916 |
| Tier 1 risk-based capital ratio | 21.7851% | 1,237 |
| Total risk-based capital ratio | 22.9145% | 1,225 |
| Memoranda: | ||
| Average total assets | $437,225,330 | 1,557 |
| Average earning assets | $410,970,000 | 1,510 |
| Average equity | $52,048,000 | 1,279 |
| Average total loans | $293,639,670 | 1,552 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 4,726 |
| Cost of funding earning assets | 1.4319% | 3,977 |
| Net interest margin | 3.6303% | 4,578 |
| Noninterest income to average assets | 0.1348% | 7,008 |
| Noninterest expense to average assets | 3.0611% | 3,429 |
| Loan and lease loss provision to assets | 0.2934% | 3,677 |
| Net operating income to assets | 0.1268% | 5,938 |
| Return on assets (ROA) | 0.1281% | 6,057 |
| Pretax return on assets | 0.2131% | 5,838 |
| Return on Equity (ROE) | 1.1684% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.1684% | 5,350 |
| Net charge-offs to loans | 0.0833% | 4,595 |
| Credit loss provision to net charge-offs | 503.2787% | 827 |
| Earnings coverage of net charge-offs (x) | 8.6557% | 1,935 |
| Efficiency ratio | 85.8483% | 1,810 |
| Assets per employee ($millions) | 6.2752% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,660 |
| Loan loss allowance to noncurrent loans | 61.3565% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3280% | 4,535 |
| Noncurrent loans to loans | 1.9063% | 3,915 |
| Net loans and leases to total assets | 68.8467% | 3,192 |
| Net loans and leases to deposits | 83.4516% | 3,032 |
| Net loans and leases to core deposits | 89.9664% | 3,365 |
| Total domestic deposits to total assets | 82.4989% | 4,854 |
| Equity capital to assets | 10.6508% | 3,087 |
| Core capital (leverage) ratio | 10.9706% | 2,249 |
| Tier 1 risk-based capital ratio | 16.3063% | 2,525 |
| Total risk-based capital ratio | 17.5564% | 2,488 |
| Memoranda: | ||
| Average total assets | $418,541,500 | 1,662 |
| Average earning assets | $395,558,500 | 1,607 |
| Average equity | $45,876,000 | 1,468 |
| Average total loans | $292,924,500 | 1,606 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 5,046 |
| Cost of funding earning assets | 1.8793% | 3,562 |
| Net interest margin | 3.4476% | 5,181 |
| Noninterest income to average assets | 0.2971% | 5,982 |
| Noninterest expense to average assets | 3.1151% | 3,671 |
| Loan and lease loss provision to assets | 0.4894% | 3,927 |
| Net operating income to assets | 0.4482% | 3,935 |
| Return on assets (ROA) | 0.6125% | 3,354 |
| Pretax return on assets | 0.1312% | 5,155 |
| Return on Equity (ROE) | 5.3251% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.3251% | 1,664 |
| Net charge-offs to loans | 0.1921% | 5,446 |
| Credit loss provision to net charge-offs | 341.5751% | 948 |
| Earnings coverage of net charge-offs (x) | 3.1850% | 3,462 |
| Efficiency ratio | 87.2226% | 1,964 |
| Assets per employee ($millions) | 5.7727% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,616 |
| Loan loss allowance to noncurrent loans | 54.8463% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.4809% | 4,166 |
| Noncurrent loans to loans | 2.1054% | 3,510 |
| Net loans and leases to total assets | 69.5235% | 3,358 |
| Net loans and leases to deposits | 83.3417% | 3,391 |
| Net loans and leases to core deposits | 113.8839% | 2,509 |
| Total domestic deposits to total assets | 83.4199% | 4,322 |
| Equity capital to assets | 11.2932% | 2,468 |
| Core capital (leverage) ratio | 10.9378% | 2,261 |
| Tier 1 risk-based capital ratio | 17.3268% | 2,071 |
| Total risk-based capital ratio | 18.5928% | 2,029 |
| Memoranda: | ||
| Average total assets | $381,073,800 | 1,794 |
| Average earning assets | $361,935,200 | 1,732 |
| Average equity | $43,830,000 | 1,526 |
| Average total loans | $284,299,600 | 1,691 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 5,611 |
| Cost of funding earning assets | 1.9741% | 3,494 |
| Net interest margin | 3.2892% | 5,689 |
| Noninterest income to average assets | 0.2476% | 6,465 |
| Noninterest expense to average assets | 3.1205% | 3,578 |
| Loan and lease loss provision to assets | 0.3570% | 4,183 |
| Net operating income to assets | -0.1016% | 5,892 |
| Return on assets (ROA) | -0.0043% | 5,778 |
| Pretax return on assets | -0.0043% | 5,713 |
| Return on Equity (ROE) | -0.0369% | 5,781 |
| Retained earnings to average equity (ytd only) | -0.0369% | 5,215 |
| Net charge-offs to loans | 0.0755% | 5,932 |
| Credit loss provision to net charge-offs | 624.2236% | 604 |
| Earnings coverage of net charge-offs (x) | 4.4659% | 3,129 |
| Efficiency ratio | 92.4340% | 1,511 |
| Assets per employee ($millions) | 5.7698% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,360 |
| Loan loss allowance to noncurrent loans | 39.5408% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 3,726 |
| Noncurrent loans to loans | 2.5017% | 3,010 |
| Net loans and leases to total assets | 69.5643% | 3,607 |
| Net loans and leases to deposits | 80.7320% | 4,247 |
| Net loans and leases to core deposits | 111.4898% | 3,071 |
| Total domestic deposits to total assets | 86.1670% | 2,606 |
| Equity capital to assets | 10.9137% | 3,101 |
| Core capital (leverage) ratio | 11.0755% | 2,354 |
| Tier 1 risk-based capital ratio | 17.0401% | 2,265 |
| Total risk-based capital ratio | 18.1415% | 2,258 |
| Memoranda: | ||
| Average total assets | $375,319,250 | 1,830 |
| Average earning assets | $356,955,500 | 1,767 |
| Average equity | $43,378,750 | 1,563 |
| Average total loans | $284,319,250 | 1,708 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 5,479 |
| Cost of funding earning assets | 2.1245% | 3,161 |
| Net interest margin | 3.2098% | 5,877 |
| Noninterest income to average assets | 0.2231% | 6,698 |
| Noninterest expense to average assets | 3.1651% | 3,452 |
| Loan and lease loss provision to assets | 0.4401% | 3,354 |
| Net operating income to assets | -0.3324% | 6,364 |
| Return on assets (ROA) | -0.1908% | 6,200 |
| Pretax return on assets | -0.1908% | 6,112 |
| Return on Equity (ROE) | -1.6178% | 6,166 |
| Retained earnings to average equity (ytd only) | -1.6178% | 5,652 |
| Net charge-offs to loans | 0.0703% | 5,524 |
| Credit loss provision to net charge-offs | 805.0000% | 588 |
| Earnings coverage of net charge-offs (x) | 1.9700% | 4,109 |
| Efficiency ratio | 96.7090% | 1,331 |
| Assets per employee ($millions) | 6.4001% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 6,631 |
| Loan loss allowance to noncurrent loans | 37.3565% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 1.8294% | 3,434 |
| Noncurrent loans to loans | 2.4983% | 2,900 |
| Net loans and leases to total assets | 72.5431% | 3,077 |
| Net loans and leases to deposits | 82.1135% | 4,208 |
| Net loans and leases to core deposits | 112.2028% | 3,113 |
| Total domestic deposits to total assets | 88.3449% | 1,598 |
| Equity capital to assets | 10.9067% | 3,011 |
| Core capital (leverage) ratio | 11.3587% | 2,162 |
| Tier 1 risk-based capital ratio | 17.1138% | 2,268 |
| Total risk-based capital ratio | 18.1742% | 2,275 |
| Memoranda: | ||
| Average total assets | $365,796,330 | 1,894 |
| Average earning assets | $347,556,000 | 1,831 |
| Average equity | $43,145,330 | 1,578 |
| Average total loans | $284,502,670 | 1,737 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 4,402 |
| Cost of funding earning assets | 2.3278% | 2,589 |
| Net interest margin | 3.2647% | 5,640 |
| Noninterest income to average assets | 0.2150% | 6,759 |
| Noninterest expense to average assets | 3.1774% | 3,085 |
| Loan and lease loss provision to assets | 0.5545% | 2,261 |
| Net operating income to assets | -0.4255% | 6,807 |
| Return on assets (ROA) | -0.3327% | 6,796 |
| Pretax return on assets | -0.3327% | 6,700 |
| Return on Equity (ROE) | -2.7079% | 6,745 |
| Retained earnings to average equity (ytd only) | -2.7079% | 6,222 |
| Net charge-offs to loans | 0.0028% | 5,695 |
| Credit loss provision to net charge-offs | 24,500.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 670 |
| Efficiency ratio | 96.0986% | 1,318 |
| Assets per employee ($millions) | 5.6398% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 6,981 |
| Loan loss allowance to noncurrent loans | 13,616.6667% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 7,640 |
| Noncurrent loans to loans | 0.0062% | 7,557 |
| Net loans and leases to total assets | 78.2168% | 1,770 |
| Net loans and leases to deposits | 89.0230% | 3,099 |
| Net loans and leases to core deposits | 126.8733% | 1,854 |
| Total domestic deposits to total assets | 87.8614% | 1,815 |
| Equity capital to assets | 11.7873% | 2,392 |
| Core capital (leverage) ratio | 11.9904% | 1,905 |
| Tier 1 risk-based capital ratio | 17.7058% | 2,126 |
| Total risk-based capital ratio | 18.7131% | 2,142 |
| Memoranda: | ||
| Average total assets | $353,492,500 | 1,966 |
| Average earning assets | $334,732,000 | 1,893 |
| Average equity | $43,428,000 | 1,572 |
| Average total loans | $283,814,500 | 1,752 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 7,034 |
| Cost of funding earning assets | 2.8637% | 2,422 |
| Net interest margin | 2.7459% | 7,416 |
| Noninterest income to average assets | 0.2164% | 6,884 |
| Noninterest expense to average assets | 3.4280% | 2,590 |
| Loan and lease loss provision to assets | 0.3170% | 3,846 |
| Net operating income to assets | -0.9312% | 7,209 |
| Return on assets (ROA) | -0.9200% | 7,123 |
| Pretax return on assets | -0.9200% | 6,954 |
| Return on Equity (ROE) | -8.5895% | 7,167 |
| Retained earnings to average equity (ytd only) | -8.5895% | 6,933 |
| Net charge-offs to loans | 0.0069% | 6,861 |
| Credit loss provision to net charge-offs | 5,840.0000% | 91 |
| Earnings coverage of net charge-offs (x) | -113.1333% | 7,010 |
| Efficiency ratio | 121.8264% | 554 |
| Assets per employee ($millions) | 5.6733% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 7,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.2233% | 1,380 |
| Net loans and leases to deposits | 98.4009% | 2,069 |
| Net loans and leases to core deposits | 129.2712% | 1,908 |
| Total domestic deposits to total assets | 82.5432% | 3,979 |
| Equity capital to assets | 12.8219% | 1,862 |
| Core capital (leverage) ratio | 13.3877% | 1,416 |
| Tier 1 risk-based capital ratio | 18.8227% | 1,852 |
| Total risk-based capital ratio | 19.6750% | 1,878 |
| Memoranda: | ||
| Average total assets | $276,312,600 | 2,339 |
| Average earning assets | $261,371,200 | 2,278 |
| Average equity | $29,594,400 | 2,284 |
| Average total loans | $218,314,600 | 2,145 |