Home > Community National Bank of Norwestern Pennsylvania > Performance and Condition Ratios
Community National Bank of Norwestern Pennsylvania, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4133% | 5,178 |
| Cost of funding earning assets | 0.3116% | 4,205 |
| Net interest margin | 3.1017% | 4,964 |
| Noninterest income to average assets | 0.4799% | 3,503 |
| Noninterest expense to average assets | 3.8342% | 814 |
| Loan and lease loss provision to assets | -0.1511% | 6,062 |
| Net operating income to assets | -0.1511% | 6,028 |
| Return on assets (ROA) | -0.1511% | 6,043 |
| Pretax return on assets | -0.2311% | 6,061 |
| Return on Equity (ROE) | -0.7439% | 6,013 |
| Retained earnings to average equity (ytd only) | -3.2645% | 5,952 |
| Net charge-offs to loans | 0.0119% | 3,756 |
| Credit loss provision to net charge-offs | -2,833.3333% | 5,640 |
| Earnings coverage of net charge-offs (x) | -71.6650% | 4,173 |
| Efficiency ratio | 111.0711% | 143 |
| Assets per employee ($millions) | 4.6083% | 2,826 |
| Cash dividends to net income (ytd only)* | -338.8247% | 6,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 5,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 43.6982% | 5,374 |
| Net loans and leases to deposits | 55.1523% | 5,179 |
| Net loans and leases to core deposits | 62.4637% | 4,908 |
| Total domestic deposits to total assets | 79.2318% | 4,924 |
| Equity capital to assets | 20.2013% | 226 |
| Core capital (leverage) ratio | 19.8849% | 212 |
| Tier 1 risk-based capital ratio | 53.0203% | 122 |
| Total risk-based capital ratio | 54.1131% | 121 |
| Memoranda: | ||
| Average total assets | $75,007,000 | 5,027 |
| Average earning assets | $71,873,500 | 4,953 |
| Average equity | $15,234,000 | 3,830 |
| Average total loans | $33,644,250 | 5,296 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5087% | 4,960 |
| Cost of funding earning assets | 0.3152% | 4,219 |
| Net interest margin | 3.1935% | 4,684 |
| Noninterest income to average assets | 0.4163% | 3,956 |
| Noninterest expense to average assets | 2.1821% | 5,164 |
| Loan and lease loss provision to assets | -0.2254% | 6,195 |
| Net operating income to assets | 1.0049% | 2,371 |
| Return on assets (ROA) | 1.0049% | 2,472 |
| Pretax return on assets | 1.5219% | 1,585 |
| Return on Equity (ROE) | 4.9391% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.1859% | 5,088 |
| Net charge-offs to loans | 0.0176% | 3,350 |
| Credit loss provision to net charge-offs | -2,833.3333% | 5,520 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 405 |
| Efficiency ratio | 62.7287% | 4,556 |
| Assets per employee ($millions) | 4.6217% | 2,798 |
| Cash dividends to net income (ytd only)* | 75.9894% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 5,209 |
| Loan loss allowance to noncurrent loans | 6,140.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,877 |
| Noncurrent loans to loans | 0.0150% | 5,704 |
| Net loans and leases to total assets | 44.6171% | 5,343 |
| Net loans and leases to deposits | 56.6355% | 5,085 |
| Net loans and leases to core deposits | 64.1475% | 4,800 |
| Total domestic deposits to total assets | 78.7794% | 5,141 |
| Equity capital to assets | 20.7703% | 195 |
| Core capital (leverage) ratio | 20.3239% | 189 |
| Tier 1 risk-based capital ratio | 55.4677% | 118 |
| Total risk-based capital ratio | 56.5800% | 119 |
| Memoranda: | ||
| Average total assets | $75,431,670 | 5,067 |
| Average earning assets | $72,333,670 | 4,993 |
| Average equity | $15,347,000 | 3,836 |
| Average total loans | $34,016,670 | 5,325 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3461% | 5,336 |
| Cost of funding earning assets | 0.3231% | 4,186 |
| Net interest margin | 3.0230% | 5,147 |
| Noninterest income to average assets | 0.3938% | 4,056 |
| Noninterest expense to average assets | 2.1267% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7667% | 3,444 |
| Return on assets (ROA) | 0.7667% | 3,579 |
| Pretax return on assets | 1.1658% | 2,808 |
| Return on Equity (ROE) | 3.8068% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.8068% | 3,723 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5933% | 4,381 |
| Assets per employee ($millions) | 4.7248% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 4,196 |
| Loan loss allowance to noncurrent loans | 9,875.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 5,394 |
| Noncurrent loans to loans | 0.0118% | 5,757 |
| Net loans and leases to total assets | 44.4561% | 5,318 |
| Net loans and leases to deposits | 56.0893% | 5,042 |
| Net loans and leases to core deposits | 63.7547% | 4,719 |
| Total domestic deposits to total assets | 79.2595% | 5,219 |
| Equity capital to assets | 20.3900% | 211 |
| Core capital (leverage) ratio | 20.1878% | 201 |
| Tier 1 risk-based capital ratio | 54.1907% | 128 |
| Total risk-based capital ratio | 55.4423% | 125 |
| Memoranda: | ||
| Average total assets | $76,174,000 | 5,104 |
| Average earning assets | $73,040,500 | 5,025 |
| Average equity | $15,341,000 | 3,866 |
| Average total loans | $34,375,000 | 5,356 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3894% | 5,553 |
| Cost of funding earning assets | 0.3607% | 4,132 |
| Net interest margin | 3.0287% | 5,379 |
| Noninterest income to average assets | 0.4711% | 3,702 |
| Noninterest expense to average assets | 2.1121% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8323% | 3,211 |
| Return on assets (ROA) | 0.8323% | 3,306 |
| Pretax return on assets | 1.2602% | 2,391 |
| Return on Equity (ROE) | 4.1598% | 5,047 |
| Retained earnings to average equity (ytd only) | 0.3924% | 5,599 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6310% | 4,806 |
| Assets per employee ($millions) | 4.7970% | 2,594 |
| Cash dividends to net income (ytd only)* | 90.5660% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 4,353 |
| Loan loss allowance to noncurrent loans | 5,642.8571% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 5,463 |
| Noncurrent loans to loans | 0.0201% | 5,810 |
| Net loans and leases to total assets | 44.7584% | 5,421 |
| Net loans and leases to deposits | 56.1874% | 5,171 |
| Net loans and leases to core deposits | 63.6615% | 4,861 |
| Total domestic deposits to total assets | 79.6592% | 5,105 |
| Equity capital to assets | 19.8926% | 230 |
| Core capital (leverage) ratio | 19.8077% | 217 |
| Tier 1 risk-based capital ratio | 52.5957% | 122 |
| Total risk-based capital ratio | 53.8462% | 121 |
| Memoranda: | ||
| Average total assets | $76,415,400 | 5,145 |
| Average earning assets | $73,198,600 | 5,060 |
| Average equity | $15,289,200 | 3,781 |
| Average total loans | $34,963,600 | 5,365 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4009% | 5,592 |
| Cost of funding earning assets | 0.3665% | 4,168 |
| Net interest margin | 3.0344% | 5,423 |
| Noninterest income to average assets | 0.4804% | 3,682 |
| Noninterest expense to average assets | 2.1293% | 5,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8314% | 3,280 |
| Return on assets (ROA) | 0.8314% | 3,366 |
| Pretax return on assets | 1.2577% | 2,544 |
| Return on Equity (ROE) | 4.1495% | 5,112 |
| Retained earnings to average equity (ytd only) | 1.6389% | 5,229 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8675% | 4,754 |
| Assets per employee ($millions) | 4.4879% | 2,995 |
| Cash dividends to net income (ytd only)* | 60.5042% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 4,536 |
| Loan loss allowance to noncurrent loans | 475.9036% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 5,730 |
| Noncurrent loans to loans | 0.2404% | 5,177 |
| Net loans and leases to total assets | 44.7369% | 5,477 |
| Net loans and leases to deposits | 56.0893% | 5,232 |
| Net loans and leases to core deposits | 64.0892% | 4,874 |
| Total domestic deposits to total assets | 79.7601% | 5,158 |
| Equity capital to assets | 20.1783% | 223 |
| Core capital (leverage) ratio | 19.9901% | 212 |
| Tier 1 risk-based capital ratio | 52.6019% | 120 |
| Total risk-based capital ratio | 53.8525% | 119 |
| Memoranda: | ||
| Average total assets | $76,331,250 | 5,200 |
| Average earning assets | $73,115,000 | 5,120 |
| Average equity | $15,294,500 | 3,805 |
| Average total loans | $35,017,500 | 5,414 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 5,707 |
| Cost of funding earning assets | 0.3660% | 4,252 |
| Net interest margin | 2.9877% | 5,562 |
| Noninterest income to average assets | 0.4794% | 3,637 |
| Noninterest expense to average assets | 2.1325% | 5,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8016% | 3,326 |
| Return on assets (ROA) | 0.8016% | 3,430 |
| Pretax return on assets | 1.2129% | 2,607 |
| Return on Equity (ROE) | 4.0102% | 5,144 |
| Retained earnings to average equity (ytd only) | 0.2359% | 5,620 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7431% | 4,733 |
| Assets per employee ($millions) | 4.4597% | 2,989 |
| Cash dividends to net income (ytd only)* | 94.1176% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 4,785 |
| Loan loss allowance to noncurrent loans | 506.4103% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 5,847 |
| Noncurrent loans to loans | 0.2226% | 5,337 |
| Net loans and leases to total assets | 45.7034% | 5,397 |
| Net loans and leases to deposits | 57.2519% | 5,099 |
| Net loans and leases to core deposits | 64.8209% | 4,742 |
| Total domestic deposits to total assets | 79.8285% | 5,280 |
| Equity capital to assets | 20.0818% | 213 |
| Core capital (leverage) ratio | 19.8584% | 204 |
| Tier 1 risk-based capital ratio | 51.3127% | 127 |
| Total risk-based capital ratio | 52.5631% | 127 |
| Memoranda: | ||
| Average total assets | $76,343,330 | 5,242 |
| Average earning assets | $73,233,330 | 5,156 |
| Average equity | $15,261,000 | 3,810 |
| Average total loans | $35,181,000 | 5,452 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3353% | 5,783 |
| Cost of funding earning assets | 0.3700% | 4,314 |
| Net interest margin | 2.9653% | 5,613 |
| Noninterest income to average assets | 0.4334% | 3,923 |
| Noninterest expense to average assets | 2.1408% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7519% | 3,412 |
| Return on assets (ROA) | 0.7519% | 3,494 |
| Pretax return on assets | 1.1383% | 2,737 |
| Return on Equity (ROE) | 3.7699% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.7699% | 3,867 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2866% | 4,644 |
| Assets per employee ($millions) | 4.5196% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,019 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 5,906 |
| Noncurrent loans to loans | 0.2494% | 5,356 |
| Net loans and leases to total assets | 45.4148% | 5,390 |
| Net loans and leases to deposits | 56.8019% | 5,044 |
| Net loans and leases to core deposits | 64.1528% | 4,678 |
| Total domestic deposits to total assets | 79.9529% | 5,490 |
| Equity capital to assets | 19.9794% | 216 |
| Core capital (leverage) ratio | 20.0877% | 200 |
| Tier 1 risk-based capital ratio | 50.7320% | 129 |
| Total risk-based capital ratio | 51.9812% | 128 |
| Memoranda: | ||
| Average total assets | $76,607,500 | 5,288 |
| Average earning assets | $73,517,500 | 5,193 |
| Average equity | $15,279,000 | 3,814 |
| Average total loans | $35,249,000 | 5,499 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4273% | 5,780 |
| Cost of funding earning assets | 0.4168% | 4,461 |
| Net interest margin | 3.0104% | 5,557 |
| Noninterest income to average assets | 0.5047% | 3,721 |
| Noninterest expense to average assets | 2.0716% | 5,891 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8733% | 2,911 |
| Return on assets (ROA) | 0.8733% | 2,998 |
| Pretax return on assets | 1.3177% | 2,082 |
| Return on Equity (ROE) | 4.4377% | 4,916 |
| Retained earnings to average equity (ytd only) | -1.0833% | 6,076 |
| Net charge-offs to loans | 0.0192% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 146.5714% | 315 |
| Efficiency ratio | 61.1216% | 5,344 |
| Assets per employee ($millions) | 4.4930% | 2,912 |
| Cash dividends to net income (ytd only)* | 124.4118% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,039 |
| Loan loss allowance to noncurrent loans | 475.9036% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 5,888 |
| Noncurrent loans to loans | 0.2357% | 5,474 |
| Net loans and leases to total assets | 45.5781% | 5,527 |
| Net loans and leases to deposits | 56.9529% | 5,211 |
| Net loans and leases to core deposits | 64.0357% | 4,863 |
| Total domestic deposits to total assets | 80.0278% | 5,440 |
| Equity capital to assets | 19.9094% | 212 |
| Core capital (leverage) ratio | 19.6574% | 213 |
| Tier 1 risk-based capital ratio | 51.4010% | 125 |
| Total risk-based capital ratio | 52.6517% | 123 |
| Memoranda: | ||
| Average total assets | $77,862,600 | 5,285 |
| Average earning assets | $74,607,800 | 5,181 |
| Average equity | $15,323,200 | 3,806 |
| Average total loans | $36,520,400 | 5,476 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 5,804 |
| Cost of funding earning assets | 0.4213% | 4,595 |
| Net interest margin | 3.0165% | 5,555 |
| Noninterest income to average assets | 0.5079% | 3,749 |
| Noninterest expense to average assets | 2.0622% | 5,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8862% | 2,904 |
| Return on assets (ROA) | 0.8862% | 3,019 |
| Pretax return on assets | 1.3378% | 2,179 |
| Return on Equity (ROE) | 4.5161% | 4,979 |
| Retained earnings to average equity (ytd only) | -0.3300% | 6,008 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6516% | 5,339 |
| Assets per employee ($millions) | 4.4903% | 2,898 |
| Cash dividends to net income (ytd only)* | 107.3069% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,245 |
| Loan loss allowance to noncurrent loans | 468.6047% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 5,964 |
| Noncurrent loans to loans | 0.2394% | 5,639 |
| Net loans and leases to total assets | 46.5291% | 5,490 |
| Net loans and leases to deposits | 58.2970% | 5,157 |
| Net loans and leases to core deposits | 66.2106% | 4,693 |
| Total domestic deposits to total assets | 79.8140% | 5,558 |
| Equity capital to assets | 20.0891% | 211 |
| Core capital (leverage) ratio | 19.8173% | 207 |
| Tier 1 risk-based capital ratio | 51.4839% | 125 |
| Total risk-based capital ratio | 52.7362% | 126 |
| Memoranda: | ||
| Average total assets | $78,233,000 | 5,332 |
| Average earning assets | $75,009,000 | 5,225 |
| Average equity | $15,352,250 | 3,849 |
| Average total loans | $36,848,500 | 5,518 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 5,894 |
| Cost of funding earning assets | 0.4256% | 4,699 |
| Net interest margin | 2.9794% | 5,614 |
| Noninterest income to average assets | 0.4920% | 3,887 |
| Noninterest expense to average assets | 2.0414% | 5,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8673% | 2,961 |
| Return on assets (ROA) | 0.8673% | 3,111 |
| Pretax return on assets | 1.3086% | 2,268 |
| Return on Equity (ROE) | 4.4537% | 5,021 |
| Retained earnings to average equity (ytd only) | -2.8129% | 6,285 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9387% | 5,344 |
| Assets per employee ($millions) | 4.5556% | 2,725 |
| Cash dividends to net income (ytd only)* | 163.1579% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,436 |
| Loan loss allowance to noncurrent loans | 287.8571% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 5,958 |
| Noncurrent loans to loans | 0.3827% | 5,321 |
| Net loans and leases to total assets | 46.7144% | 5,452 |
| Net loans and leases to deposits | 58.1509% | 5,147 |
| Net loans and leases to core deposits | 65.8201% | 4,706 |
| Total domestic deposits to total assets | 80.3331% | 5,530 |
| Equity capital to assets | 19.5713% | 228 |
| Core capital (leverage) ratio | 19.1708% | 226 |
| Tier 1 risk-based capital ratio | 50.3287% | 124 |
| Total risk-based capital ratio | 51.5806% | 123 |
| Memoranda: | ||
| Average total assets | $78,865,670 | 5,345 |
| Average earning assets | $75,652,670 | 5,237 |
| Average equity | $15,358,000 | 3,878 |
| Average total loans | $37,157,670 | 5,534 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3810% | 5,981 |
| Cost of funding earning assets | 0.4344% | 4,764 |
| Net interest margin | 2.9466% | 5,714 |
| Noninterest income to average assets | 0.4474% | 4,133 |
| Noninterest expense to average assets | 1.9956% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8545% | 2,883 |
| Return on assets (ROA) | 0.8545% | 3,017 |
| Pretax return on assets | 1.2818% | 2,290 |
| Return on Equity (ROE) | 4.3989% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.3989% | 3,597 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8896% | 5,461 |
| Assets per employee ($millions) | 4.6041% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 5,693 |
| Loan loss allowance to noncurrent loans | 266.8874% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 5,993 |
| Noncurrent loans to loans | 0.4031% | 5,414 |
| Net loans and leases to total assets | 47.3400% | 5,300 |
| Net loans and leases to deposits | 59.1504% | 4,895 |
| Net loans and leases to core deposits | 66.8573% | 4,428 |
| Total domestic deposits to total assets | 80.0332% | 5,745 |
| Equity capital to assets | 19.8582% | 222 |
| Core capital (leverage) ratio | 19.7341% | 207 |
| Tier 1 risk-based capital ratio | 50.9440% | 129 |
| Total risk-based capital ratio | 52.1960% | 127 |
| Memoranda: | ||
| Average total assets | $79,576,000 | 5,377 |
| Average earning assets | $76,427,500 | 5,255 |
| Average equity | $15,458,500 | 3,911 |
| Average total loans | $37,446,000 | 5,566 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 6,222 |
| Cost of funding earning assets | 0.5421% | 4,885 |
| Net interest margin | 3.0625% | 5,901 |
| Noninterest income to average assets | 0.5651% | 3,479 |
| Noninterest expense to average assets | 2.1440% | 6,040 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8972% | 2,831 |
| Return on assets (ROA) | 0.8972% | 3,071 |
| Pretax return on assets | 1.3521% | 2,199 |
| Return on Equity (ROE) | 4.6606% | 4,854 |
| Retained earnings to average equity (ytd only) | 0.9113% | 5,414 |
| Net charge-offs to loans | 0.0645% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 44.9583% | 729 |
| Efficiency ratio | 61.3262% | 5,340 |
| Assets per employee ($millions) | 4.7578% | 2,569 |
| Cash dividends to net income (ytd only)* | 80.4469% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 5,644 |
| Loan loss allowance to noncurrent loans | 376.6355% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 6,236 |
| Noncurrent loans to loans | 0.2858% | 5,765 |
| Net loans and leases to total assets | 45.7865% | 5,637 |
| Net loans and leases to deposits | 56.5977% | 5,378 |
| Net loans and leases to core deposits | 64.0499% | 4,951 |
| Total domestic deposits to total assets | 80.8981% | 5,432 |
| Equity capital to assets | 19.0079% | 271 |
| Core capital (leverage) ratio | 19.3318% | 223 |
| Tier 1 risk-based capital ratio | 49.7251% | 139 |
| Total risk-based capital ratio | 50.9735% | 138 |
| Memoranda: | ||
| Average total assets | $79,802,800 | 5,357 |
| Average earning assets | $76,376,200 | 5,231 |
| Average equity | $15,362,800 | 3,884 |
| Average total loans | $37,185,000 | 5,622 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 6,287 |
| Cost of funding earning assets | 0.5735% | 4,881 |
| Net interest margin | 3.0937% | 5,955 |
| Noninterest income to average assets | 0.5733% | 3,452 |
| Noninterest expense to average assets | 2.1391% | 6,085 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9237% | 2,860 |
| Return on assets (ROA) | 0.9237% | 3,085 |
| Pretax return on assets | 1.3914% | 2,266 |
| Return on Equity (ROE) | 4.7829% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.2829% | 5,194 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5888% | 5,394 |
| Assets per employee ($millions) | 4.9469% | 2,259 |
| Cash dividends to net income (ytd only)* | 52.2684% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,492 |
| Loan loss allowance to noncurrent loans | 402.8302% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 6,379 |
| Noncurrent loans to loans | 0.2869% | 5,915 |
| Net loans and leases to total assets | 46.1339% | 5,751 |
| Net loans and leases to deposits | 57.4451% | 5,488 |
| Net loans and leases to core deposits | 65.5530% | 4,997 |
| Total domestic deposits to total assets | 80.3095% | 5,574 |
| Equity capital to assets | 19.5780% | 257 |
| Core capital (leverage) ratio | 19.5780% | 225 |
| Tier 1 risk-based capital ratio | 51.1639% | 133 |
| Total risk-based capital ratio | 52.4119% | 129 |
| Memoranda: | ||
| Average total assets | $79,533,000 | 5,413 |
| Average earning assets | $76,022,500 | 5,291 |
| Average equity | $15,360,000 | 3,920 |
| Average total loans | $37,122,250 | 5,699 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 6,301 |
| Cost of funding earning assets | 0.5990% | 4,916 |
| Net interest margin | 3.1209% | 5,947 |
| Noninterest income to average assets | 0.5724% | 3,427 |
| Noninterest expense to average assets | 2.1642% | 6,097 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9239% | 2,789 |
| Return on assets (ROA) | 0.9239% | 3,050 |
| Pretax return on assets | 1.3909% | 2,233 |
| Return on Equity (ROE) | 4.8058% | 4,900 |
| Retained earnings to average equity (ytd only) | 1.0447% | 5,658 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8757% | 5,439 |
| Assets per employee ($millions) | 4.5316% | 2,843 |
| Cash dividends to net income (ytd only)* | 78.2609% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 5,485 |
| Loan loss allowance to noncurrent loans | 395.3704% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 6,457 |
| Noncurrent loans to loans | 0.2956% | 5,968 |
| Net loans and leases to total assets | 44.2612% | 5,997 |
| Net loans and leases to deposits | 54.6245% | 5,809 |
| Net loans and leases to core deposits | 60.9210% | 5,498 |
| Total domestic deposits to total assets | 81.0281% | 5,459 |
| Equity capital to assets | 18.7745% | 291 |
| Core capital (leverage) ratio | 19.1773% | 234 |
| Tier 1 risk-based capital ratio | 50.4547% | 130 |
| Total risk-based capital ratio | 51.7066% | 128 |
| Memoranda: | ||
| Average total assets | $79,660,670 | 5,444 |
| Average earning assets | $76,131,000 | 5,321 |
| Average equity | $15,314,670 | 3,921 |
| Average total loans | $37,182,330 | 5,724 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 6,417 |
| Cost of funding earning assets | 0.6542% | 4,689 |
| Net interest margin | 3.0584% | 6,162 |
| Noninterest income to average assets | 0.5336% | 3,676 |
| Noninterest expense to average assets | 2.2107% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8284% | 3,261 |
| Return on assets (ROA) | 0.8284% | 3,488 |
| Pretax return on assets | 1.2451% | 2,747 |
| Return on Equity (ROE) | 4.2573% | 5,159 |
| Retained earnings to average equity (ytd only) | 4.2573% | 4,032 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9706% | 4,928 |
| Assets per employee ($millions) | 4.6741% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,738 |
| Loan loss allowance to noncurrent loans | 399.0654% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 6,556 |
| Noncurrent loans to loans | 0.2864% | 6,103 |
| Net loans and leases to total assets | 46.4755% | 5,733 |
| Net loans and leases to deposits | 57.7955% | 5,398 |
| Net loans and leases to core deposits | 64.9564% | 5,019 |
| Total domestic deposits to total assets | 80.4138% | 5,750 |
| Equity capital to assets | 19.3760% | 254 |
| Core capital (leverage) ratio | 19.3673% | 229 |
| Tier 1 risk-based capital ratio | 51.9959% | 122 |
| Total risk-based capital ratio | 53.2489% | 121 |
| Memoranda: | ||
| Average total assets | $78,707,000 | 5,521 |
| Average earning assets | $75,203,000 | 5,392 |
| Average equity | $15,315,000 | 3,930 |
| Average total loans | $37,508,500 | 5,753 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 6,533 |
| Cost of funding earning assets | 0.7477% | 5,230 |
| Net interest margin | 3.2109% | 6,059 |
| Noninterest income to average assets | 0.5726% | 3,347 |
| Noninterest expense to average assets | 2.1989% | 6,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9544% | 2,390 |
| Return on assets (ROA) | 0.9544% | 2,521 |
| Pretax return on assets | 1.4341% | 1,672 |
| Return on Equity (ROE) | 4.9253% | 4,427 |
| Retained earnings to average equity (ytd only) | 0.8471% | 5,469 |
| Net charge-offs to loans | -0.0026% | 6,808 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5254% | 5,667 |
| Assets per employee ($millions) | 4.5856% | 2,778 |
| Cash dividends to net income (ytd only)* | 82.8000% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,687 |
| Loan loss allowance to noncurrent loans | 395.3704% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 6,612 |
| Noncurrent loans to loans | 0.2868% | 6,153 |
| Net loans and leases to total assets | 47.7635% | 5,849 |
| Net loans and leases to deposits | 59.5125% | 5,544 |
| Net loans and leases to core deposits | 67.4004% | 5,108 |
| Total domestic deposits to total assets | 80.2578% | 5,672 |
| Equity capital to assets | 19.5420% | 255 |
| Core capital (leverage) ratio | 19.1130% | 239 |
| Tier 1 risk-based capital ratio | 53.4451% | 119 |
| Total risk-based capital ratio | 54.6976% | 117 |
| Memoranda: | ||
| Average total assets | $78,585,200 | 5,489 |
| Average earning assets | $74,901,000 | 5,376 |
| Average equity | $15,227,600 | 3,865 |
| Average total loans | $38,394,800 | 5,759 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 6,605 |
| Cost of funding earning assets | 0.7611% | 5,391 |
| Net interest margin | 3.2295% | 6,081 |
| Noninterest income to average assets | 0.5740% | 3,345 |
| Noninterest expense to average assets | 2.1877% | 6,307 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9719% | 2,428 |
| Return on assets (ROA) | 0.9719% | 2,597 |
| Pretax return on assets | 1.4613% | 1,757 |
| Return on Equity (ROE) | 5.0263% | 4,517 |
| Retained earnings to average equity (ytd only) | 2.1104% | 5,084 |
| Net charge-offs to loans | -0.0034% | 6,689 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9536% | 5,731 |
| Assets per employee ($millions) | 4.3650% | 3,147 |
| Cash dividends to net income (ytd only)* | 58.0144% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,811 |
| Loan loss allowance to noncurrent loans | 391.7431% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 6,695 |
| Noncurrent loans to loans | 0.2861% | 6,280 |
| Net loans and leases to total assets | 47.9471% | 5,961 |
| Net loans and leases to deposits | 59.6605% | 5,670 |
| Net loans and leases to core deposits | 67.9473% | 5,188 |
| Total domestic deposits to total assets | 80.3666% | 5,628 |
| Equity capital to assets | 19.5316% | 279 |
| Core capital (leverage) ratio | 19.3910% | 247 |
| Tier 1 risk-based capital ratio | 54.2914% | 130 |
| Total risk-based capital ratio | 55.5438% | 128 |
| Memoranda: | ||
| Average total assets | $78,742,750 | 5,533 |
| Average earning assets | $74,974,500 | 5,422 |
| Average equity | $15,226,000 | 3,873 |
| Average total loans | $38,578,250 | 5,810 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 6,626 |
| Cost of funding earning assets | 0.7677% | 5,576 |
| Net interest margin | 3.2572% | 5,982 |
| Noninterest income to average assets | 0.5660% | 3,363 |
| Noninterest expense to average assets | 2.2030% | 6,377 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9746% | 2,335 |
| Return on assets (ROA) | 0.9746% | 2,438 |
| Pretax return on assets | 1.4645% | 1,631 |
| Return on Equity (ROE) | 5.0573% | 4,421 |
| Retained earnings to average equity (ytd only) | 0.6717% | 5,584 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0692% | 5,857 |
| Assets per employee ($millions) | 4.3949% | 3,003 |
| Cash dividends to net income (ytd only)* | 86.7188% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 6,004 |
| Loan loss allowance to noncurrent loans | 394.4444% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 6,746 |
| Noncurrent loans to loans | 0.2758% | 6,371 |
| Net loans and leases to total assets | 48.9603% | 5,951 |
| Net loans and leases to deposits | 60.6429% | 5,657 |
| Net loans and leases to core deposits | 68.8998% | 5,200 |
| Total domestic deposits to total assets | 80.7354% | 5,610 |
| Equity capital to assets | 19.1584% | 308 |
| Core capital (leverage) ratio | 19.2272% | 261 |
| Tier 1 risk-based capital ratio | 53.3324% | 136 |
| Total risk-based capital ratio | 54.5851% | 136 |
| Memoranda: | ||
| Average total assets | $78,800,330 | 5,580 |
| Average earning assets | $75,033,330 | 5,462 |
| Average equity | $15,186,000 | 3,877 |
| Average total loans | $38,738,000 | 5,856 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 6,588 |
| Cost of funding earning assets | 0.7795% | 5,675 |
| Net interest margin | 3.2781% | 5,851 |
| Noninterest income to average assets | 0.5086% | 3,815 |
| Noninterest expense to average assets | 2.1616% | 6,510 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9816% | 2,241 |
| Return on assets (ROA) | 0.9816% | 2,299 |
| Pretax return on assets | 1.4699% | 1,532 |
| Return on Equity (ROE) | 5.0786% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.0786% | 3,136 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5238% | 6,055 |
| Assets per employee ($millions) | 4.6355% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 6,033 |
| Loan loss allowance to noncurrent loans | 398.1308% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 6,825 |
| Noncurrent loans to loans | 0.2769% | 6,436 |
| Net loans and leases to total assets | 48.4893% | 6,020 |
| Net loans and leases to deposits | 60.2802% | 5,698 |
| Net loans and leases to core deposits | 68.1998% | 5,269 |
| Total domestic deposits to total assets | 80.4398% | 5,831 |
| Equity capital to assets | 19.4117% | 284 |
| Core capital (leverage) ratio | 19.6784% | 246 |
| Tier 1 risk-based capital ratio | 54.4029% | 131 |
| Total risk-based capital ratio | 55.6547% | 130 |
| Memoranda: | ||
| Average total assets | $78,646,000 | 5,627 |
| Average earning assets | $74,921,500 | 5,513 |
| Average equity | $15,201,000 | 3,862 |
| Average total loans | $38,528,000 | 5,916 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 6,867 |
| Cost of funding earning assets | 0.8456% | 6,380 |
| Net interest margin | 3.3992% | 5,637 |
| Noninterest income to average assets | 0.5811% | 3,585 |
| Noninterest expense to average assets | 2.2878% | 6,393 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0111% | 1,996 |
| Return on assets (ROA) | 1.0111% | 2,105 |
| Pretax return on assets | 1.5225% | 1,319 |
| Return on Equity (ROE) | 5.0857% | 4,032 |
| Retained earnings to average equity (ytd only) | 0.6812% | 5,228 |
| Net charge-offs to loans | -0.0026% | 7,241 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0414% | 6,039 |
| Assets per employee ($millions) | 4.6170% | 2,673 |
| Cash dividends to net income (ytd only)* | 86.6060% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 5,924 |
| Loan loss allowance to noncurrent loans | 398.1308% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 6,896 |
| Noncurrent loans to loans | 0.2785% | 6,502 |
| Net loans and leases to total assets | 48.4055% | 6,353 |
| Net loans and leases to deposits | 59.9968% | 6,060 |
| Net loans and leases to core deposits | 68.3168% | 5,633 |
| Total domestic deposits to total assets | 80.6801% | 5,627 |
| Equity capital to assets | 19.2447% | 307 |
| Core capital (leverage) ratio | 19.6529% | 248 |
| Tier 1 risk-based capital ratio | 53.0969% | 135 |
| Total risk-based capital ratio | 54.3483% | 134 |
| Memoranda: | ||
| Average total assets | $76,057,200 | 5,712 |
| Average earning assets | $72,253,000 | 5,592 |
| Average equity | $15,120,800 | 3,923 |
| Average total loans | $37,934,200 | 6,011 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 6,972 |
| Cost of funding earning assets | 0.8511% | 6,576 |
| Net interest margin | 3.4415% | 5,523 |
| Noninterest income to average assets | 0.5867% | 3,532 |
| Noninterest expense to average assets | 2.3114% | 6,288 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0232% | 2,164 |
| Return on assets (ROA) | 1.0232% | 2,273 |
| Pretax return on assets | 1.5410% | 1,503 |
| Return on Equity (ROE) | 5.1041% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.1686% | 4,874 |
| Net charge-offs to loans | -0.0035% | 7,188 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 5,952 |
| Assets per employee ($millions) | 4.1740% | 3,494 |
| Cash dividends to net income (ytd only)* | 57.5131% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 5,871 |
| Loan loss allowance to noncurrent loans | 413.5922% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 7,011 |
| Noncurrent loans to loans | 0.2699% | 6,646 |
| Net loans and leases to total assets | 50.2249% | 6,301 |
| Net loans and leases to deposits | 63.1010% | 6,014 |
| Net loans and leases to core deposits | 71.6238% | 5,559 |
| Total domestic deposits to total assets | 79.5946% | 5,836 |
| Equity capital to assets | 20.2949% | 269 |
| Core capital (leverage) ratio | 19.8529% | 252 |
| Tier 1 risk-based capital ratio | 54.0460% | 135 |
| Total risk-based capital ratio | 55.3007% | 135 |
| Memoranda: | ||
| Average total assets | $75,449,250 | 5,794 |
| Average earning assets | $71,594,250 | 5,681 |
| Average equity | $15,124,750 | 3,967 |
| Average total loans | $37,813,000 | 6,104 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 7,053 |
| Cost of funding earning assets | 0.8479% | 6,768 |
| Net interest margin | 3.4503% | 5,439 |
| Noninterest income to average assets | 0.5744% | 3,512 |
| Noninterest expense to average assets | 2.3188% | 6,306 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0165% | 2,134 |
| Return on assets (ROA) | 1.0165% | 2,206 |
| Pretax return on assets | 1.5300% | 1,479 |
| Return on Equity (ROE) | 5.0916% | 4,244 |
| Retained earnings to average equity (ytd only) | 0.6762% | 5,490 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2476% | 6,006 |
| Assets per employee ($millions) | 4.0204% | 3,736 |
| Cash dividends to net income (ytd only)* | 86.7188% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 5,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 48.7845% | 6,565 |
| Net loans and leases to deposits | 60.8368% | 6,328 |
| Net loans and leases to core deposits | 68.7648% | 5,992 |
| Total domestic deposits to total assets | 80.1890% | 5,675 |
| Equity capital to assets | 19.7062% | 303 |
| Core capital (leverage) ratio | 19.6931% | 263 |
| Tier 1 risk-based capital ratio | 53.0671% | 141 |
| Total risk-based capital ratio | 54.3186% | 141 |
| Memoranda: | ||
| Average total assets | $75,555,000 | 5,816 |
| Average earning assets | $71,704,330 | 5,716 |
| Average equity | $15,083,670 | 3,981 |
| Average total loans | $37,697,000 | 6,147 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 7,111 |
| Cost of funding earning assets | 0.8518% | 6,933 |
| Net interest margin | 3.4634% | 5,321 |
| Noninterest income to average assets | 0.5749% | 3,459 |
| Noninterest expense to average assets | 2.3157% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0328% | 2,058 |
| Return on assets (ROA) | 1.0328% | 2,118 |
| Pretax return on assets | 1.5491% | 1,397 |
| Return on Equity (ROE) | 5.1394% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.1394% | 3,077 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9174% | 6,188 |
| Assets per employee ($millions) | 4.1507% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 49.5770% | 6,510 |
| Net loans and leases to deposits | 62.3874% | 6,242 |
| Net loans and leases to core deposits | 70.6210% | 5,863 |
| Total domestic deposits to total assets | 79.4665% | 5,965 |
| Equity capital to assets | 20.3394% | 269 |
| Core capital (leverage) ratio | 20.5019% | 229 |
| Tier 1 risk-based capital ratio | 54.4855% | 131 |
| Total risk-based capital ratio | 55.7404% | 130 |
| Memoranda: | ||
| Average total assets | $75,139,000 | 5,901 |
| Average earning assets | $71,375,000 | 5,805 |
| Average equity | $15,099,000 | 3,999 |
| Average total loans | $37,700,500 | 6,221 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 7,359 |
| Cost of funding earning assets | 1.0182% | 7,174 |
| Net interest margin | 3.5089% | 4,915 |
| Noninterest income to average assets | 0.6073% | 3,574 |
| Noninterest expense to average assets | 2.3800% | 6,524 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0478% | 1,675 |
| Return on assets (ROA) | 1.0478% | 1,716 |
| Pretax return on assets | 1.5671% | 1,034 |
| Return on Equity (ROE) | 5.2287% | 3,572 |
| Retained earnings to average equity (ytd only) | 0.7926% | 4,455 |
| Net charge-offs to loans | -0.0028% | 7,702 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2976% | 6,439 |
| Assets per employee ($millions) | 4.1981% | 3,444 |
| Cash dividends to net income (ytd only)* | 84.8408% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,809 |
| Loan loss allowance to noncurrent loans | 408.6538% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 7,136 |
| Noncurrent loans to loans | 0.2741% | 6,745 |
| Net loans and leases to total assets | 49.6400% | 6,677 |
| Net loans and leases to deposits | 62.0088% | 6,470 |
| Net loans and leases to core deposits | 75.4020% | 6,443 |
| Total domestic deposits to total assets | 80.0532% | 5,660 |
| Equity capital to assets | 19.8528% | 307 |
| Core capital (leverage) ratio | 20.0436% | 278 |
| Tier 1 risk-based capital ratio | 51.6349% | 153 |
| Total risk-based capital ratio | 52.9049% | 149 |
| Memoranda: | ||
| Average total assets | $74,916,000 | 5,873 |
| Average earning assets | $71,304,800 | 5,774 |
| Average equity | $15,013,200 | 4,055 |
| Average total loans | $36,285,400 | 6,290 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 7,475 |
| Cost of funding earning assets | 1.0493% | 7,285 |
| Net interest margin | 3.4813% | 4,945 |
| Noninterest income to average assets | 0.6082% | 3,628 |
| Noninterest expense to average assets | 2.3597% | 6,531 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0452% | 1,916 |
| Return on assets (ROA) | 1.0452% | 1,976 |
| Pretax return on assets | 1.5624% | 1,257 |
| Return on Equity (ROE) | 5.2032% | 3,875 |
| Retained earnings to average equity (ytd only) | 2.2464% | 4,073 |
| Net charge-offs to loans | -0.0037% | 7,614 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1637% | 6,391 |
| Assets per employee ($millions) | 4.0192% | 3,690 |
| Cash dividends to net income (ytd only)* | 56.8264% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 5,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 47.7057% | 6,978 |
| Net loans and leases to deposits | 59.7497% | 6,845 |
| Net loans and leases to core deposits | 72.0402% | 6,846 |
| Total domestic deposits to total assets | 79.8426% | 5,501 |
| Equity capital to assets | 19.8209% | 356 |
| Core capital (leverage) ratio | 19.5920% | 342 |
| Tier 1 risk-based capital ratio | 52.6488% | 153 |
| Total risk-based capital ratio | 53.9010% | 154 |
| Memoranda: | ||
| Average total assets | $74,753,500 | 5,915 |
| Average earning assets | $71,159,000 | 5,814 |
| Average equity | $15,016,000 | 4,093 |
| Average total loans | $35,872,750 | 6,358 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 7,460 |
| Cost of funding earning assets | 1.0899% | 7,397 |
| Net interest margin | 3.5642% | 4,520 |
| Noninterest income to average assets | 0.5848% | 3,805 |
| Noninterest expense to average assets | 2.3660% | 6,567 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0779% | 1,845 |
| Return on assets (ROA) | 1.0779% | 1,922 |
| Pretax return on assets | 1.6115% | 1,183 |
| Return on Equity (ROE) | 5.3419% | 3,942 |
| Retained earnings to average equity (ytd only) | 0.8948% | 4,823 |
| Net charge-offs to loans | -0.0056% | 7,536 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4851% | 6,623 |
| Assets per employee ($millions) | 4.0590% | 3,575 |
| Cash dividends to net income (ytd only)* | 83.2500% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 5,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 45.8863% | 7,202 |
| Net loans and leases to deposits | 57.0406% | 7,089 |
| Net loans and leases to core deposits | 69.1037% | 7,070 |
| Total domestic deposits to total assets | 80.4450% | 5,303 |
| Equity capital to assets | 19.3851% | 425 |
| Core capital (leverage) ratio | 19.5553% | 385 |
| Tier 1 risk-based capital ratio | 52.1306% | 166 |
| Total risk-based capital ratio | 53.3824% | 166 |
| Memoranda: | ||
| Average total assets | $74,216,670 | 5,975 |
| Average earning assets | $70,647,330 | 5,863 |
| Average equity | $14,976,000 | 4,118 |
| Average total loans | $35,545,330 | 6,433 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 7,305 |
| Cost of funding earning assets | 1.1496% | 7,417 |
| Net interest margin | 3.6915% | 3,927 |
| Noninterest income to average assets | 0.5387% | 4,001 |
| Noninterest expense to average assets | 2.3088% | 6,511 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1654% | 1,758 |
| Return on assets (ROA) | 1.1654% | 1,874 |
| Pretax return on assets | 1.7426% | 1,095 |
| Return on Equity (ROE) | 5.6575% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.6575% | 2,796 |
| Net charge-offs to loans | -0.0113% | 7,301 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9878% | 6,835 |
| Assets per employee ($millions) | 3.8554% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 4,746 |
| Loan loss allowance to noncurrent loans | 42,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 7,668 |
| Noncurrent loans to loans | 0.0028% | 7,578 |
| Net loans and leases to total assets | 47.4308% | 7,070 |
| Net loans and leases to deposits | 59.9634% | 6,900 |
| Net loans and leases to core deposits | 73.6914% | 6,820 |
| Total domestic deposits to total assets | 79.0995% | 5,682 |
| Equity capital to assets | 20.6069% | 383 |
| Core capital (leverage) ratio | 20.9078% | 357 |
| Tier 1 risk-based capital ratio | 54.4121% | 166 |
| Total risk-based capital ratio | 55.6665% | 164 |
| Memoranda: | ||
| Average total assets | $72,764,500 | 6,038 |
| Average earning assets | $69,241,000 | 5,939 |
| Average equity | $14,989,000 | 4,147 |
| Average total loans | $35,411,500 | 6,468 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 7,472 |
| Cost of funding earning assets | 1.5168% | 7,582 |
| Net interest margin | 3.8733% | 3,690 |
| Noninterest income to average assets | 0.6720% | 3,312 |
| Noninterest expense to average assets | 2.6643% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1051% | 2,126 |
| Return on assets (ROA) | 1.1051% | 2,039 |
| Pretax return on assets | 1.6520% | 1,257 |
| Return on Equity (ROE) | 5.2706% | 4,252 |
| Retained earnings to average equity (ytd only) | 0.6840% | 4,819 |
| Net charge-offs to loans | -0.0084% | 7,835 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7264% | 6,004 |
| Assets per employee ($millions) | 3.8041% | 3,948 |
| Cash dividends to net income (ytd only)* | 87.0229% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 4,631 |
| 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 | 48.7430% | 7,127 |
| Net loans and leases to deposits | 61.6232% | 6,977 |
| Net loans and leases to core deposits | 77.0813% | 6,788 |
| Total domestic deposits to total assets | 79.0985% | 5,339 |
| Equity capital to assets | 20.5916% | 433 |
| Core capital (leverage) ratio | 20.7385% | 389 |
| Tier 1 risk-based capital ratio | 52.2302% | 197 |
| Total risk-based capital ratio | 53.4831% | 194 |
| Memoranda: | ||
| Average total assets | $71,126,200 | 5,994 |
| Average earning assets | $66,919,400 | 5,934 |
| Average equity | $14,912,800 | 4,159 |
| Average total loans | $35,779,800 | 6,379 |