Home > Community Southern Bank > Performance and Condition Ratios
Community Southern 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 | 3.8611% | 3,784 |
| Cost of funding earning assets | 0.7166% | 788 |
| Net interest margin | 3.1445% | 4,802 |
| Noninterest income to average assets | 0.2773% | 4,956 |
| Noninterest expense to average assets | 2.4777% | 4,332 |
| Loan and lease loss provision to assets | 0.0983% | 2,056 |
| Net operating income to assets | 0.4610% | 4,825 |
| Return on assets (ROA) | 0.4610% | 4,945 |
| Pretax return on assets | 0.6158% | 4,872 |
| Return on Equity (ROE) | 4.1282% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.1282% | 3,528 |
| Net charge-offs to loans | -0.0048% | 4,485 |
| Credit loss provision to net charge-offs | -3,050.0000% | 5,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6263% | 2,242 |
| Assets per employee ($millions) | 5.6981% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 4,748 |
| Loan loss allowance to noncurrent loans | 317.1681% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 4,960 |
| Noncurrent loans to loans | 0.3319% | 4,604 |
| Net loans and leases to total assets | 67.1809% | 2,580 |
| Net loans and leases to deposits | 88.8923% | 1,522 |
| Net loans and leases to core deposits | 112.3950% | 633 |
| Total domestic deposits to total assets | 75.5756% | 5,778 |
| Equity capital to assets | 11.1369% | 2,822 |
| Core capital (leverage) ratio | 11.4120% | 2,071 |
| Tier 1 risk-based capital ratio | 14.4990% | 3,722 |
| Total risk-based capital ratio | 15.4253% | 3,825 |
| Memoranda: | ||
| Average total assets | $248,134,500 | 2,573 |
| Average earning assets | $229,989,000 | 2,554 |
| Average equity | $27,712,000 | 2,522 |
| Average total loans | $167,664,500 | 2,397 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 3,729 |
| Cost of funding earning assets | 0.7880% | 693 |
| Net interest margin | 3.2119% | 4,884 |
| Noninterest income to average assets | 0.2363% | 5,445 |
| Noninterest expense to average assets | 2.5114% | 4,508 |
| Loan and lease loss provision to assets | 0.0743% | 2,997 |
| Net operating income to assets | 0.4655% | 4,943 |
| Return on assets (ROA) | 0.4655% | 5,044 |
| Pretax return on assets | 0.6042% | 4,924 |
| Return on Equity (ROE) | 4.2688% | 4,997 |
| Retained earnings to average equity (ytd only) | -0.4912% | 5,849 |
| Net charge-offs to loans | 0.1185% | 2,857 |
| Credit loss provision to net charge-offs | 96.7568% | 2,502 |
| Earnings coverage of net charge-offs (x) | 8.8324% | 2,823 |
| Efficiency ratio | 78.7295% | 2,098 |
| Assets per employee ($millions) | 5.3381% | 1,914 |
| Cash dividends to net income (ytd only)* | 111.5076% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 4,825 |
| Loan loss allowance to noncurrent loans | 410.6888% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 5,143 |
| Noncurrent loans to loans | 0.2550% | 4,923 |
| Net loans and leases to total assets | 66.5334% | 2,804 |
| Net loans and leases to deposits | 87.7063% | 1,771 |
| Net loans and leases to core deposits | 111.4793% | 712 |
| Total domestic deposits to total assets | 75.8593% | 5,751 |
| Equity capital to assets | 11.2001% | 2,695 |
| Core capital (leverage) ratio | 11.4665% | 1,994 |
| Tier 1 risk-based capital ratio | 15.0226% | 3,472 |
| Total risk-based capital ratio | 15.9579% | 3,582 |
| Memoranda: | ||
| Average total assets | $240,826,600 | 2,608 |
| Average earning assets | $221,458,600 | 2,612 |
| Average equity | $26,260,000 | 2,549 |
| Average total loans | $156,107,400 | 2,479 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 3,723 |
| Cost of funding earning assets | 0.7955% | 700 |
| Net interest margin | 3.2129% | 4,921 |
| Noninterest income to average assets | 0.2426% | 5,469 |
| Noninterest expense to average assets | 2.4964% | 4,538 |
| Loan and lease loss provision to assets | 0.0595% | 3,172 |
| Net operating income to assets | 0.4846% | 4,929 |
| Return on assets (ROA) | 0.4846% | 4,999 |
| Pretax return on assets | 0.6326% | 4,926 |
| Return on Equity (ROE) | 4.4752% | 4,974 |
| Retained earnings to average equity (ytd only) | -1.9473% | 6,067 |
| Net charge-offs to loans | -0.0035% | 5,241 |
| Credit loss provision to net charge-offs | -2,675.0000% | 5,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2935% | 2,140 |
| Assets per employee ($millions) | 5.2239% | 1,990 |
| Cash dividends to net income (ytd only)* | 143.5142% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 4,247 |
| Loan loss allowance to noncurrent loans | 253.5714% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 5,078 |
| Noncurrent loans to loans | 0.4718% | 4,491 |
| Net loans and leases to total assets | 62.0964% | 3,472 |
| Net loans and leases to deposits | 80.7548% | 2,581 |
| Net loans and leases to core deposits | 102.4962% | 1,187 |
| Total domestic deposits to total assets | 76.8950% | 5,691 |
| Equity capital to assets | 10.9061% | 3,061 |
| Core capital (leverage) ratio | 11.1485% | 2,353 |
| Tier 1 risk-based capital ratio | 15.4952% | 3,324 |
| Total risk-based capital ratio | 16.5346% | 3,371 |
| Memoranda: | ||
| Average total assets | $239,645,250 | 2,633 |
| Average earning assets | $219,730,750 | 2,642 |
| Average equity | $25,949,500 | 2,579 |
| Average total loans | $153,858,500 | 2,517 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 3,619 |
| Cost of funding earning assets | 0.7912% | 750 |
| Net interest margin | 3.2374% | 4,818 |
| Noninterest income to average assets | 0.2314% | 5,540 |
| Noninterest expense to average assets | 2.5673% | 4,361 |
| Loan and lease loss provision to assets | 0.0900% | 2,525 |
| Net operating income to assets | 0.4249% | 5,120 |
| Return on assets (ROA) | 0.4249% | 5,200 |
| Pretax return on assets | 0.5352% | 5,174 |
| Return on Equity (ROE) | 3.9340% | 5,175 |
| Retained earnings to average equity (ytd only) | -3.4666% | 6,136 |
| Net charge-offs to loans | -0.0039% | 5,142 |
| Credit loss provision to net charge-offs | -3,566.6667% | 5,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4164% | 1,959 |
| Assets per employee ($millions) | 5.3224% | 1,849 |
| Cash dividends to net income (ytd only)* | 188.1188% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 4,544 |
| Loan loss allowance to noncurrent loans | 249.6617% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 5,159 |
| Noncurrent loans to loans | 0.4701% | 4,590 |
| Net loans and leases to total assets | 63.4504% | 3,170 |
| Net loans and leases to deposits | 81.1277% | 2,369 |
| Net loans and leases to core deposits | 103.8014% | 1,036 |
| Total domestic deposits to total assets | 78.2105% | 5,597 |
| Equity capital to assets | 10.7606% | 3,134 |
| Core capital (leverage) ratio | 11.6226% | 1,907 |
| Tier 1 risk-based capital ratio | 15.2971% | 3,472 |
| Total risk-based capital ratio | 16.3250% | 3,536 |
| Memoranda: | ||
| Average total assets | $237,686,000 | 2,653 |
| Average earning assets | $217,397,330 | 2,663 |
| Average equity | $25,673,670 | 2,597 |
| Average total loans | $153,709,000 | 2,521 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 3,857 |
| Cost of funding earning assets | 0.7920% | 775 |
| Net interest margin | 3.1681% | 5,019 |
| Noninterest income to average assets | 0.2136% | 5,650 |
| Noninterest expense to average assets | 2.6602% | 4,078 |
| Loan and lease loss provision to assets | 0.0803% | 2,543 |
| Net operating income to assets | 0.3178% | 5,432 |
| Return on assets (ROA) | 0.3178% | 5,481 |
| Pretax return on assets | 0.3571% | 5,578 |
| Return on Equity (ROE) | 2.9363% | 5,486 |
| Retained earnings to average equity (ytd only) | -12.0609% | 6,420 |
| Net charge-offs to loans | -0.0026% | 4,728 |
| Credit loss provision to net charge-offs | -4,700.0000% | 5,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8798% | 1,470 |
| Assets per employee ($millions) | 5.1471% | 2,077 |
| Cash dividends to net income (ytd only)* | 510.7527% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 4,839 |
| Loan loss allowance to noncurrent loans | 201.0147% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 5,029 |
| Noncurrent loans to loans | 0.5750% | 4,441 |
| Net loans and leases to total assets | 64.4052% | 2,825 |
| Net loans and leases to deposits | 84.8063% | 1,742 |
| Net loans and leases to core deposits | 107.3366% | 702 |
| Total domestic deposits to total assets | 75.9440% | 6,080 |
| Equity capital to assets | 10.6894% | 3,052 |
| Core capital (leverage) ratio | 11.6555% | 1,860 |
| Tier 1 risk-based capital ratio | 15.5236% | 3,422 |
| Total risk-based capital ratio | 16.5436% | 3,504 |
| Memoranda: | ||
| Average total assets | $234,114,500 | 2,701 |
| Average earning assets | $213,127,500 | 2,721 |
| Average equity | $25,338,000 | 2,621 |
| Average total loans | $151,968,500 | 2,556 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 3,646 |
| Cost of funding earning assets | 0.7899% | 1,269 |
| Net interest margin | 3.3346% | 4,532 |
| Noninterest income to average assets | 0.2611% | 5,478 |
| Noninterest expense to average assets | 2.7530% | 3,897 |
| Loan and lease loss provision to assets | 0.0812% | 3,489 |
| Net operating income to assets | 0.3559% | 5,313 |
| Return on assets (ROA) | 0.6999% | 3,879 |
| Pretax return on assets | 0.9237% | 3,667 |
| Return on Equity (ROE) | 5.8296% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.0149% | 2,582 |
| Net charge-offs to loans | 0.0527% | 4,488 |
| Credit loss provision to net charge-offs | 247.8873% | 921 |
| Earnings coverage of net charge-offs (x) | 16.8592% | 1,765 |
| Efficiency ratio | 83.2915% | 1,715 |
| Assets per employee ($millions) | 4.8221% | 2,417 |
| Cash dividends to net income (ytd only)* | 13.9750% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 4,868 |
| Loan loss allowance to noncurrent loans | 165.5534% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 4,883 |
| Noncurrent loans to loans | 0.7002% | 4,228 |
| Net loans and leases to total assets | 63.9106% | 3,058 |
| Net loans and leases to deposits | 84.4921% | 1,868 |
| Net loans and leases to core deposits | 107.1383% | 729 |
| Total domestic deposits to total assets | 75.6408% | 6,121 |
| Equity capital to assets | 10.9595% | 2,650 |
| Core capital (leverage) ratio | 12.4774% | 1,375 |
| Tier 1 risk-based capital ratio | 16.5139% | 2,849 |
| Total risk-based capital ratio | 17.5408% | 2,921 |
| Memoranda: | ||
| Average total assets | $216,745,600 | 2,841 |
| Average earning assets | $197,867,400 | 2,853 |
| Average equity | $26,022,200 | 2,542 |
| Average total loans | $134,847,200 | 2,782 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 3,577 |
| Cost of funding earning assets | 0.7896% | 1,384 |
| Net interest margin | 3.3577% | 4,438 |
| Noninterest income to average assets | 0.2678% | 5,536 |
| Noninterest expense to average assets | 2.7515% | 3,825 |
| Loan and lease loss provision to assets | 0.0932% | 3,210 |
| Net operating income to assets | 0.3648% | 5,391 |
| Return on assets (ROA) | 0.8285% | 3,322 |
| Pretax return on assets | 1.1095% | 3,071 |
| Return on Equity (ROE) | 6.7414% | 3,799 |
| Retained earnings to average equity (ytd only) | 5.9674% | 2,434 |
| Net charge-offs to loans | 0.0376% | 4,395 |
| Credit loss provision to net charge-offs | 402.7027% | 660 |
| Earnings coverage of net charge-offs (x) | 25.2443% | 1,392 |
| Efficiency ratio | 82.4798% | 1,766 |
| Assets per employee ($millions) | 4.5928% | 2,728 |
| Cash dividends to net income (ytd only)* | 11.4803% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,663 |
| Loan loss allowance to noncurrent loans | 159.0868% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 4,950 |
| Noncurrent loans to loans | 0.7830% | 4,281 |
| Net loans and leases to total assets | 62.6486% | 3,232 |
| Net loans and leases to deposits | 84.2597% | 1,846 |
| Net loans and leases to core deposits | 109.1494% | 614 |
| Total domestic deposits to total assets | 74.3518% | 6,348 |
| Equity capital to assets | 11.4002% | 2,380 |
| Core capital (leverage) ratio | 12.8881% | 1,245 |
| Tier 1 risk-based capital ratio | 16.7694% | 2,827 |
| Total risk-based capital ratio | 17.8233% | 2,875 |
| Memoranda: | ||
| Average total assets | $213,066,750 | 2,912 |
| Average earning assets | $194,691,750 | 2,919 |
| Average equity | $26,186,000 | 2,568 |
| Average total loans | $131,143,250 | 2,859 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 3,693 |
| Cost of funding earning assets | 0.7910% | 1,461 |
| Net interest margin | 3.3207% | 4,484 |
| Noninterest income to average assets | 0.2792% | 5,456 |
| Noninterest expense to average assets | 2.8195% | 3,609 |
| Loan and lease loss provision to assets | 0.0826% | 3,418 |
| Net operating income to assets | 0.3000% | 5,600 |
| Return on assets (ROA) | 0.9639% | 2,645 |
| Pretax return on assets | 1.3409% | 2,155 |
| Return on Equity (ROE) | 7.6496% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.4310% | 1,697 |
| Net charge-offs to loans | 0.0374% | 4,160 |
| Credit loss provision to net charge-offs | 362.5000% | 718 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,390 |
| Efficiency ratio | 84.9013% | 1,543 |
| Assets per employee ($millions) | 4.5442% | 2,749 |
| Cash dividends to net income (ytd only)* | 2.8571% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,447 |
| Loan loss allowance to noncurrent loans | 116.5978% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 4,168 |
| Noncurrent loans to loans | 1.1248% | 3,684 |
| Net loans and leases to total assets | 59.6461% | 3,722 |
| Net loans and leases to deposits | 77.3238% | 2,670 |
| Net loans and leases to core deposits | 98.3350% | 1,184 |
| Total domestic deposits to total assets | 77.1381% | 6,106 |
| Equity capital to assets | 12.0321% | 1,897 |
| Core capital (leverage) ratio | 13.1575% | 1,112 |
| Tier 1 risk-based capital ratio | 17.9448% | 2,330 |
| Total risk-based capital ratio | 19.0488% | 2,360 |
| Memoranda: | ||
| Average total assets | $210,605,000 | 2,950 |
| Average earning assets | $192,909,670 | 2,958 |
| Average equity | $26,537,330 | 2,532 |
| Average total loans | $128,240,330 | 2,913 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 3,657 |
| Cost of funding earning assets | 0.8100% | 1,476 |
| Net interest margin | 3.3067% | 4,494 |
| Noninterest income to average assets | 0.2640% | 5,572 |
| Noninterest expense to average assets | 2.7716% | 3,797 |
| Loan and lease loss provision to assets | 0.0861% | 3,225 |
| Net operating income to assets | 0.2985% | 5,571 |
| Return on assets (ROA) | 1.3313% | 1,303 |
| Pretax return on assets | 1.9549% | 648 |
| Return on Equity (ROE) | 10.3276% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.1347% | 1,075 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1463% | 1,748 |
| Assets per employee ($millions) | 4.7046% | 2,646 |
| Cash dividends to net income (ytd only)* | 1.8678% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,690 |
| Loan loss allowance to noncurrent loans | 111.0743% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 4,480 |
| Noncurrent loans to loans | 1.1707% | 3,818 |
| Net loans and leases to total assets | 60.0544% | 3,420 |
| Net loans and leases to deposits | 79.6078% | 2,132 |
| Net loans and leases to core deposits | 102.8732% | 780 |
| Total domestic deposits to total assets | 75.4379% | 6,420 |
| Equity capital to assets | 12.7166% | 1,581 |
| Core capital (leverage) ratio | 13.0458% | 1,097 |
| Tier 1 risk-based capital ratio | 18.0613% | 2,336 |
| Total risk-based capital ratio | 19.1800% | 2,358 |
| Memoranda: | ||
| Average total assets | $209,118,500 | 2,988 |
| Average earning assets | $191,612,500 | 2,992 |
| Average equity | $26,957,000 | 2,529 |
| Average total loans | $127,818,500 | 2,936 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 3,841 |
| Cost of funding earning assets | 0.9091% | 1,889 |
| Net interest margin | 3.4832% | 4,572 |
| Noninterest income to average assets | 0.3079% | 5,250 |
| Noninterest expense to average assets | 2.7336% | 4,275 |
| Loan and lease loss provision to assets | 0.1855% | 3,319 |
| Net operating income to assets | 0.4388% | 4,931 |
| Return on assets (ROA) | 0.6412% | 4,287 |
| Pretax return on assets | 0.8108% | 4,255 |
| Return on Equity (ROE) | 5.2195% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.8038% | 2,847 |
| Net charge-offs to loans | 0.1457% | 4,236 |
| Credit loss provision to net charge-offs | 221.2644% | 1,137 |
| Earnings coverage of net charge-offs (x) | 8.8276% | 2,345 |
| Efficiency ratio | 78.6963% | 2,327 |
| Assets per employee ($millions) | 4.9174% | 2,333 |
| Cash dividends to net income (ytd only)* | 7.9639% | 4,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,713 |
| Loan loss allowance to noncurrent loans | 127.3438% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 4,811 |
| Noncurrent loans to loans | 1.0093% | 4,176 |
| Net loans and leases to total assets | 60.6172% | 3,490 |
| Net loans and leases to deposits | 80.7742% | 2,182 |
| Net loans and leases to core deposits | 101.6581% | 908 |
| Total domestic deposits to total assets | 75.0452% | 6,442 |
| Equity capital to assets | 13.0694% | 1,407 |
| Core capital (leverage) ratio | 12.5914% | 1,288 |
| Tier 1 risk-based capital ratio | 17.8264% | 2,324 |
| Total risk-based capital ratio | 18.9288% | 2,348 |
| Memoranda: | ||
| Average total assets | $207,565,800 | 2,953 |
| Average earning assets | $188,647,200 | 2,979 |
| Average equity | $25,500,600 | 2,611 |
| Average total loans | $119,392,000 | 3,092 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 4,034 |
| Cost of funding earning assets | 0.9282% | 1,993 |
| Net interest margin | 3.4750% | 4,736 |
| Noninterest income to average assets | 0.3118% | 5,291 |
| Noninterest expense to average assets | 2.7651% | 4,112 |
| Loan and lease loss provision to assets | 0.1443% | 3,729 |
| Net operating income to assets | 0.4315% | 5,115 |
| Return on assets (ROA) | 0.6377% | 4,452 |
| Pretax return on assets | 0.8180% | 4,421 |
| Return on Equity (ROE) | 5.2742% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.7967% | 3,515 |
| Net charge-offs to loans | 0.1985% | 3,539 |
| Credit loss provision to net charge-offs | 128.5714% | 2,241 |
| Earnings coverage of net charge-offs (x) | 6.2171% | 2,832 |
| Efficiency ratio | 79.8444% | 2,118 |
| Assets per employee ($millions) | 4.8862% | 2,337 |
| Cash dividends to net income (ytd only)* | 9.0546% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 5,166 |
| Loan loss allowance to noncurrent loans | 117.6141% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 5,014 |
| Noncurrent loans to loans | 1.0419% | 4,357 |
| Net loans and leases to total assets | 57.6998% | 4,179 |
| Net loans and leases to deposits | 77.3104% | 2,758 |
| Net loans and leases to core deposits | 98.2395% | 1,249 |
| Total domestic deposits to total assets | 74.6339% | 6,547 |
| Equity capital to assets | 13.0436% | 1,579 |
| Core capital (leverage) ratio | 11.9856% | 1,664 |
| Tier 1 risk-based capital ratio | 17.9975% | 2,349 |
| Total risk-based capital ratio | 19.0159% | 2,406 |
| Memoranda: | ||
| Average total assets | $207,825,000 | 2,986 |
| Average earning assets | $188,463,250 | 3,008 |
| Average equity | $25,127,750 | 2,671 |
| Average total loans | $117,534,500 | 3,171 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 4,210 |
| Cost of funding earning assets | 0.9490% | 2,071 |
| Net interest margin | 3.4444% | 4,906 |
| Noninterest income to average assets | 0.2961% | 5,440 |
| Noninterest expense to average assets | 2.7706% | 4,132 |
| Loan and lease loss provision to assets | 0.2156% | 2,917 |
| Net operating income to assets | 0.3508% | 5,426 |
| Return on assets (ROA) | 0.5520% | 4,857 |
| Pretax return on assets | 0.6555% | 4,957 |
| Return on Equity (ROE) | 4.6865% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.3611% | 3,711 |
| Net charge-offs to loans | 0.2484% | 3,090 |
| Credit loss provision to net charge-offs | 155.1724% | 1,786 |
| Earnings coverage of net charge-offs (x) | 4.5448% | 3,047 |
| Efficiency ratio | 81.4366% | 1,972 |
| Assets per employee ($millions) | 4.6991% | 2,567 |
| Cash dividends to net income (ytd only)* | 6.9444% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 5,005 |
| Loan loss allowance to noncurrent loans | 148.5629% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 5,485 |
| Noncurrent loans to loans | 0.8590% | 4,790 |
| Net loans and leases to total assets | 52.5082% | 5,028 |
| Net loans and leases to deposits | 69.0559% | 4,033 |
| Net loans and leases to core deposits | 91.4734% | 1,822 |
| Total domestic deposits to total assets | 76.0372% | 6,449 |
| Equity capital to assets | 11.7550% | 2,361 |
| Core capital (leverage) ratio | 12.1349% | 1,530 |
| Tier 1 risk-based capital ratio | 17.5843% | 2,447 |
| Total risk-based capital ratio | 18.6184% | 2,487 |
| Memoranda: | ||
| Average total assets | $208,693,670 | 2,984 |
| Average earning assets | $188,188,670 | 3,015 |
| Average equity | $24,581,000 | 2,711 |
| Average total loans | $116,752,670 | 3,205 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 3,698 |
| Cost of funding earning assets | 1.0275% | 1,832 |
| Net interest margin | 3.5265% | 4,579 |
| Noninterest income to average assets | 0.2863% | 5,582 |
| Noninterest expense to average assets | 2.8350% | 3,880 |
| Loan and lease loss provision to assets | 0.2566% | 2,401 |
| Net operating income to assets | 0.3598% | 5,429 |
| Return on assets (ROA) | 0.3652% | 5,587 |
| Pretax return on assets | 0.3988% | 5,732 |
| Return on Equity (ROE) | 3.0975% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.8463% | 4,823 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3598% | 2,029 |
| Assets per employee ($millions) | 4.6852% | 2,686 |
| Cash dividends to net income (ytd only)* | 8.1081% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 5,020 |
| Loan loss allowance to noncurrent loans | 211.3233% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 5,827 |
| Noncurrent loans to loans | 0.6156% | 5,428 |
| Net loans and leases to total assets | 57.0078% | 4,220 |
| Net loans and leases to deposits | 75.1889% | 2,945 |
| Net loans and leases to core deposits | 101.3601% | 896 |
| Total domestic deposits to total assets | 75.8194% | 6,566 |
| Equity capital to assets | 11.8701% | 2,132 |
| Core capital (leverage) ratio | 11.7856% | 1,717 |
| Tier 1 risk-based capital ratio | 16.6712% | 2,827 |
| Total risk-based capital ratio | 17.7493% | 2,877 |
| Memoranda: | ||
| Average total assets | $202,611,000 | 3,074 |
| Average earning assets | $183,753,000 | 3,097 |
| Average equity | $23,890,500 | 2,773 |
| Average total loans | $116,395,000 | 3,220 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8410% | 3,619 |
| Cost of funding earning assets | 1.2049% | 1,996 |
| Net interest margin | 3.6362% | 4,587 |
| Noninterest income to average assets | 0.2517% | 5,729 |
| Noninterest expense to average assets | 2.7514% | 4,544 |
| Loan and lease loss provision to assets | 0.2278% | 3,917 |
| Net operating income to assets | 0.3011% | 5,246 |
| Return on assets (ROA) | 0.4204% | 4,962 |
| Pretax return on assets | 0.5240% | 4,921 |
| Return on Equity (ROE) | 3.9971% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.9197% | 3,421 |
| Net charge-offs to loans | 0.3563% | 3,623 |
| Credit loss provision to net charge-offs | 112.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 2.9627% | 3,723 |
| Efficiency ratio | 82.0314% | 2,017 |
| Assets per employee ($millions) | 4.7398% | 2,532 |
| Cash dividends to net income (ytd only)* | 1.9355% | 4,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 5,190 |
| Loan loss allowance to noncurrent loans | 186.0892% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 5,856 |
| Noncurrent loans to loans | 0.6701% | 5,360 |
| Net loans and leases to total assets | 56.4125% | 4,633 |
| Net loans and leases to deposits | 76.3949% | 3,113 |
| Net loans and leases to core deposits | 81.1460% | 3,306 |
| Total domestic deposits to total assets | 73.8433% | 6,732 |
| Equity capital to assets | 11.7098% | 2,334 |
| Core capital (leverage) ratio | 11.7486% | 1,737 |
| Tier 1 risk-based capital ratio | 16.5838% | 2,787 |
| Total risk-based capital ratio | 17.6073% | 2,852 |
| Memoranda: | ||
| Average total assets | $184,341,400 | 3,269 |
| Average earning assets | $157,280,000 | 3,450 |
| Average equity | $19,389,000 | 3,230 |
| Average total loans | $105,256,000 | 3,493 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 3,482 |
| Cost of funding earning assets | 1.2273% | 2,144 |
| Net interest margin | 3.6890% | 4,388 |
| Noninterest income to average assets | 0.2458% | 5,861 |
| Noninterest expense to average assets | 2.7292% | 4,617 |
| Loan and lease loss provision to assets | 0.2568% | 3,449 |
| Net operating income to assets | 0.2806% | 5,468 |
| Return on assets (ROA) | 0.3255% | 5,473 |
| Pretax return on assets | 0.4162% | 5,418 |
| Return on Equity (ROE) | 3.1941% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.1941% | 4,429 |
| Net charge-offs to loans | 0.3283% | 3,455 |
| Credit loss provision to net charge-offs | 137.0079% | 2,325 |
| Earnings coverage of net charge-offs (x) | 3.2834% | 3,505 |
| Efficiency ratio | 81.5975% | 2,031 |
| Assets per employee ($millions) | 5.1464% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,668 |
| Loan loss allowance to noncurrent loans | 152.4403% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 5,495 |
| Noncurrent loans to loans | 0.9015% | 5,061 |
| Net loans and leases to total assets | 53.8734% | 5,179 |
| Net loans and leases to deposits | 72.4741% | 3,901 |
| Net loans and leases to core deposits | 98.1480% | 1,412 |
| Total domestic deposits to total assets | 74.3347% | 6,721 |
| Equity capital to assets | 11.7501% | 2,448 |
| Core capital (leverage) ratio | 11.9613% | 1,728 |
| Tier 1 risk-based capital ratio | 17.1288% | 2,595 |
| Total risk-based capital ratio | 18.2408% | 2,608 |
| Memoranda: | ||
| Average total assets | $180,658,500 | 3,336 |
| Average earning assets | $151,762,750 | 3,570 |
| Average equity | $18,408,500 | 3,376 |
| Average total loans | $103,140,000 | 3,567 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 3,267 |
| Cost of funding earning assets | 1.2232% | 2,422 |
| Net interest margin | 3.7545% | 4,013 |
| Noninterest income to average assets | 0.2595% | 5,792 |
| Noninterest expense to average assets | 2.8140% | 4,371 |
| Loan and lease loss provision to assets | 0.2447% | 3,458 |
| Net operating income to assets | 0.2747% | 5,465 |
| Return on assets (ROA) | 0.3051% | 5,491 |
| Pretax return on assets | 0.3563% | 5,528 |
| Return on Equity (ROE) | 3.1744% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.1744% | 4,251 |
| Net charge-offs to loans | 0.4062% | 2,925 |
| Credit loss provision to net charge-offs | 103.8647% | 2,977 |
| Earnings coverage of net charge-offs (x) | 2.4010% | 3,616 |
| Efficiency ratio | 83.2604% | 1,913 |
| Assets per employee ($millions) | 4.9787% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 5,010 |
| Loan loss allowance to noncurrent loans | 136.0236% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 5,452 |
| Noncurrent loans to loans | 0.9640% | 5,059 |
| Net loans and leases to total assets | 56.4630% | 4,909 |
| Net loans and leases to deposits | 71.6058% | 4,184 |
| Net loans and leases to core deposits | 95.7673% | 1,705 |
| Total domestic deposits to total assets | 78.8525% | 6,122 |
| Equity capital to assets | 9.3491% | 5,081 |
| Core capital (leverage) ratio | 9.4942% | 3,966 |
| Tier 1 risk-based capital ratio | 13.2193% | 4,752 |
| Total risk-based capital ratio | 14.3123% | 4,850 |
| Memoranda: | ||
| Average total assets | $175,690,000 | 3,438 |
| Average earning assets | $146,013,000 | 3,692 |
| Average equity | $16,885,000 | 3,595 |
| Average total loans | $101,911,670 | 3,634 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 3,893 |
| Cost of funding earning assets | 1.1689% | 3,028 |
| Net interest margin | 3.6657% | 4,263 |
| Noninterest income to average assets | 0.3103% | 5,448 |
| Noninterest expense to average assets | 2.9307% | 3,942 |
| Loan and lease loss provision to assets | 0.2497% | 3,163 |
| Net operating income to assets | 0.1327% | 6,000 |
| Return on assets (ROA) | 0.1983% | 5,847 |
| Pretax return on assets | 0.2940% | 5,672 |
| Return on Equity (ROE) | 2.0339% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.0339% | 4,915 |
| Net charge-offs to loans | 0.1278% | 3,752 |
| Credit loss provision to net charge-offs | 334.3750% | 966 |
| Earnings coverage of net charge-offs (x) | 5.9688% | 2,174 |
| Efficiency ratio | 86.8003% | 1,631 |
| Assets per employee ($millions) | 4.6784% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,719 |
| Loan loss allowance to noncurrent loans | 95.0755% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.8798% | 5,151 |
| Noncurrent loans to loans | 1.4606% | 4,273 |
| Net loans and leases to total assets | 59.4009% | 4,386 |
| Net loans and leases to deposits | 75.7729% | 3,457 |
| Net loans and leases to core deposits | 108.1255% | 840 |
| Total domestic deposits to total assets | 78.3934% | 6,320 |
| Equity capital to assets | 9.7562% | 4,097 |
| Core capital (leverage) ratio | 9.7420% | 3,465 |
| Tier 1 risk-based capital ratio | 13.0835% | 4,763 |
| Total risk-based capital ratio | 14.2341% | 4,824 |
| Memoranda: | ||
| Average total assets | $171,429,500 | 3,530 |
| Average earning assets | $143,385,000 | 3,763 |
| Average equity | $16,716,500 | 3,608 |
| Average total loans | $100,171,000 | 3,713 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 6,294 |
| Cost of funding earning assets | 1.2694% | 4,081 |
| Net interest margin | 3.2672% | 6,082 |
| Noninterest income to average assets | 0.1740% | 6,498 |
| Noninterest expense to average assets | 2.5161% | 5,728 |
| Loan and lease loss provision to assets | 0.1934% | 5,298 |
| Net operating income to assets | 0.2710% | 5,029 |
| Return on assets (ROA) | 0.4715% | 4,386 |
| Pretax return on assets | 0.6000% | 4,327 |
| Return on Equity (ROE) | 5.2579% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.2579% | 2,273 |
| Net charge-offs to loans | 0.1296% | 5,602 |
| Credit loss provision to net charge-offs | 276.7857% | 982 |
| Earnings coverage of net charge-offs (x) | 7.7232% | 2,075 |
| Efficiency ratio | 82.3433% | 2,117 |
| Assets per employee ($millions) | 5.1442% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 4,377 |
| Loan loss allowance to noncurrent loans | 129.5005% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 5,759 |
| Noncurrent loans to loans | 1.1044% | 4,889 |
| Net loans and leases to total assets | 55.7832% | 5,377 |
| Net loans and leases to deposits | 71.6962% | 4,568 |
| Net loans and leases to core deposits | 92.9851% | 2,389 |
| Total domestic deposits to total assets | 77.8050% | 6,353 |
| Equity capital to assets | 9.7462% | 4,058 |
| Core capital (leverage) ratio | 10.3085% | 2,762 |
| Tier 1 risk-based capital ratio | 14.1908% | 3,742 |
| Total risk-based capital ratio | 15.3934% | 3,732 |
| Memoranda: | ||
| Average total assets | $160,325,800 | 3,690 |
| Average earning assets | $141,405,000 | 3,789 |
| Average equity | $14,378,400 | 4,052 |
| Average total loans | $86,418,000 | 4,146 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 6,651 |
| Cost of funding earning assets | 1.2798% | 4,373 |
| Net interest margin | 3.2018% | 6,335 |
| Noninterest income to average assets | 0.1705% | 6,660 |
| Noninterest expense to average assets | 2.4756% | 5,803 |
| Loan and lease loss provision to assets | 0.1848% | 5,194 |
| Net operating income to assets | 0.2998% | 5,168 |
| Return on assets (ROA) | 0.5436% | 4,289 |
| Pretax return on assets | 0.7090% | 4,200 |
| Return on Equity (ROE) | 6.2056% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.2056% | 2,257 |
| Net charge-offs to loans | 0.1778% | 4,888 |
| Credit loss provision to net charge-offs | 195.5357% | 1,824 |
| Earnings coverage of net charge-offs (x) | 6.1071% | 2,599 |
| Efficiency ratio | 81.0893% | 2,189 |
| Assets per employee ($millions) | 5.3433% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 4,360 |
| Loan loss allowance to noncurrent loans | 141.1441% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 6,019 |
| Noncurrent loans to loans | 1.0054% | 5,226 |
| Net loans and leases to total assets | 55.6039% | 5,608 |
| Net loans and leases to deposits | 75.3296% | 4,295 |
| Net loans and leases to core deposits | 86.3315% | 3,601 |
| Total domestic deposits to total assets | 73.8141% | 6,941 |
| Equity capital to assets | 8.9258% | 5,671 |
| Core capital (leverage) ratio | 8.7715% | 5,064 |
| Tier 1 risk-based capital ratio | 12.8308% | 4,707 |
| Total risk-based capital ratio | 14.0084% | 4,748 |
| Memoranda: | ||
| Average total assets | $157,967,500 | 3,798 |
| Average earning assets | $142,208,500 | 3,831 |
| Average equity | $13,836,750 | 4,241 |
| Average total loans | $84,004,750 | 4,284 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 6,841 |
| Cost of funding earning assets | 1.3118% | 4,467 |
| Net interest margin | 3.1182% | 6,557 |
| Noninterest income to average assets | 0.1718% | 6,674 |
| Noninterest expense to average assets | 2.4251% | 5,992 |
| Loan and lease loss provision to assets | 0.2379% | 4,534 |
| Net operating income to assets | 0.2501% | 5,375 |
| Return on assets (ROA) | 0.5891% | 4,064 |
| Pretax return on assets | 0.7647% | 4,007 |
| Return on Equity (ROE) | 6.7692% | 3,412 |
| Retained earnings to average equity (ytd only) | 6.7692% | 1,940 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1755% | 2,273 |
| Assets per employee ($millions) | 5.2389% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 3,411 |
| Loan loss allowance to noncurrent loans | 131.1838% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 5,836 |
| Noncurrent loans to loans | 1.2254% | 4,916 |
| Net loans and leases to total assets | 53.0801% | 6,101 |
| Net loans and leases to deposits | 69.6311% | 5,335 |
| Net loans and leases to core deposits | 97.7904% | 2,252 |
| Total domestic deposits to total assets | 76.2305% | 6,642 |
| Equity capital to assets | 8.8714% | 5,642 |
| Core capital (leverage) ratio | 8.5459% | 5,336 |
| Tier 1 risk-based capital ratio | 13.1519% | 4,321 |
| Total risk-based capital ratio | 14.4034% | 4,277 |
| Memoranda: | ||
| Average total assets | $157,190,000 | 3,840 |
| Average earning assets | $141,940,000 | 3,866 |
| Average equity | $13,679,670 | 4,273 |
| Average total loans | $81,867,670 | 4,388 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 7,157 |
| Cost of funding earning assets | 1.3433% | 4,541 |
| Net interest margin | 2.9404% | 6,951 |
| Noninterest income to average assets | 0.1985% | 6,542 |
| Noninterest expense to average assets | 2.4427% | 5,940 |
| Loan and lease loss provision to assets | 0.2010% | 4,489 |
| Net operating income to assets | 0.1970% | 5,700 |
| Return on assets (ROA) | 0.8397% | 2,892 |
| Pretax return on assets | 1.1476% | 2,561 |
| Return on Equity (ROE) | 9.7431% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.7431% | 1,200 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9161% | 2,025 |
| Assets per employee ($millions) | 5.5881% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,863 |
| Loan loss allowance to noncurrent loans | 435.7639% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 6,991 |
| Noncurrent loans to loans | 0.3464% | 6,608 |
| Net loans and leases to total assets | 54.2756% | 5,994 |
| Net loans and leases to deposits | 71.1221% | 5,178 |
| Net loans and leases to core deposits | 100.1566% | 2,113 |
| Total domestic deposits to total assets | 76.3133% | 6,699 |
| Equity capital to assets | 9.0252% | 5,242 |
| Core capital (leverage) ratio | 8.2549% | 5,826 |
| Tier 1 risk-based capital ratio | 12.1649% | 5,022 |
| Total risk-based capital ratio | 13.3428% | 5,063 |
| Memoranda: | ||
| Average total assets | $157,201,000 | 3,889 |
| Average earning assets | $145,014,500 | 3,849 |
| Average equity | $13,548,000 | 4,345 |
| Average total loans | $80,407,500 | 4,491 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 7,280 |
| Cost of funding earning assets | 1.9663% | 3,119 |
| Net interest margin | 2.6400% | 7,293 |
| Noninterest income to average assets | 0.1330% | 7,090 |
| Noninterest expense to average assets | 2.4702% | 6,239 |
| Loan and lease loss provision to assets | 0.2935% | 5,078 |
| Net operating income to assets | -0.1364% | 5,737 |
| Return on assets (ROA) | 0.2916% | 4,654 |
| Pretax return on assets | 0.4089% | 4,474 |
| Return on Equity (ROE) | 3.3398% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.3398% | 2,832 |
| Net charge-offs to loans | 0.3047% | 4,724 |
| Credit loss provision to net charge-offs | 228.5714% | 1,615 |
| Earnings coverage of net charge-offs (x) | 0.7755% | 5,331 |
| Efficiency ratio | 96.1244% | 1,309 |
| Assets per employee ($millions) | 6.2894% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 3,645 |
| Loan loss allowance to noncurrent loans | 568.1159% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 6,949 |
| Noncurrent loans to loans | 0.2665% | 6,759 |
| Net loans and leases to total assets | 46.7785% | 6,913 |
| Net loans and leases to deposits | 60.9009% | 6,571 |
| Net loans and leases to core deposits | 79.8468% | 6,114 |
| Total domestic deposits to total assets | 76.8107% | 6,527 |
| Equity capital to assets | 8.2428% | 6,285 |
| Core capital (leverage) ratio | 7.7211% | 6,538 |
| Tier 1 risk-based capital ratio | 13.0200% | 4,127 |
| Total risk-based capital ratio | 14.2121% | 4,119 |
| Memoranda: | ||
| Average total assets | $152,621,000 | 3,918 |
| Average earning assets | $140,872,800 | 3,883 |
| Average equity | $13,324,000 | 4,424 |
| Average total loans | $64,325,800 | 5,089 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 7,357 |
| Cost of funding earning assets | 2.0744% | 3,014 |
| Net interest margin | 2.5696% | 7,384 |
| Noninterest income to average assets | 0.1299% | 7,233 |
| Noninterest expense to average assets | 2.3794% | 6,477 |
| Loan and lease loss provision to assets | 0.2482% | 4,968 |
| Net operating income to assets | -0.0849% | 5,865 |
| Return on assets (ROA) | 0.2829% | 4,957 |
| Pretax return on assets | 0.4154% | 4,757 |
| Return on Equity (ROE) | 3.1914% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.1914% | 3,525 |
| Net charge-offs to loans | 0.4285% | 3,542 |
| Credit loss provision to net charge-offs | 142.3469% | 3,439 |
| Earnings coverage of net charge-offs (x) | 0.7041% | 5,334 |
| Efficiency ratio | 95.0942% | 1,323 |
| Assets per employee ($millions) | 7.0239% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 3,622 |
| Loan loss allowance to noncurrent loans | 430.3419% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 6,988 |
| Noncurrent loans to loans | 0.3402% | 6,679 |
| Net loans and leases to total assets | 38.5967% | 7,528 |
| Net loans and leases to deposits | 46.5143% | 7,549 |
| Net loans and leases to core deposits | 63.8405% | 7,254 |
| Total domestic deposits to total assets | 82.9782% | 4,231 |
| Equity capital to assets | 7.7250% | 7,128 |
| Core capital (leverage) ratio | 7.3669% | 7,111 |
| Tier 1 risk-based capital ratio | 14.0064% | 3,549 |
| Total risk-based capital ratio | 15.1297% | 3,559 |
| Memoranda: | ||
| Average total assets | $149,895,250 | 3,983 |
| Average earning assets | $138,385,000 | 3,957 |
| Average equity | $13,285,250 | 4,468 |
| Average total loans | $60,989,750 | 5,245 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 7,339 |
| Cost of funding earning assets | 2.2037% | 2,774 |
| Net interest margin | 2.5330% | 7,443 |
| Noninterest income to average assets | 0.1415% | 7,242 |
| Noninterest expense to average assets | 2.5246% | 6,040 |
| Loan and lease loss provision to assets | 0.2632% | 4,472 |
| Net operating income to assets | -0.2007% | 6,189 |
| Return on assets (ROA) | 0.3255% | 4,902 |
| Pretax return on assets | 0.5052% | 4,603 |
| Return on Equity (ROE) | 3.4870% | 4,719 |
| Retained earnings to average equity (ytd only) | 3.4870% | 3,373 |
| Net charge-offs to loans | 0.6713% | 2,362 |
| Credit loss provision to net charge-offs | 94.8980% | 4,778 |
| Earnings coverage of net charge-offs (x) | -0.1939% | 5,878 |
| Efficiency ratio | 102.1764% | 1,088 |
| Assets per employee ($millions) | 6.7677% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 3,355 |
| Loan loss allowance to noncurrent loans | 657.5540% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 7,368 |
| Noncurrent loans to loans | 0.2233% | 6,950 |
| Net loans and leases to total assets | 37.7543% | 7,645 |
| Net loans and leases to deposits | 46.2326% | 7,627 |
| Net loans and leases to core deposits | 64.2963% | 7,288 |
| Total domestic deposits to total assets | 81.6616% | 4,828 |
| Equity capital to assets | 7.9834% | 6,772 |
| Core capital (leverage) ratio | 7.9742% | 6,377 |
| Tier 1 risk-based capital ratio | 14.0427% | 3,494 |
| Total risk-based capital ratio | 15.0814% | 3,550 |
| Memoranda: | ||
| Average total assets | $141,327,670 | 4,152 |
| Average earning assets | $129,963,000 | 4,133 |
| Average equity | $13,192,000 | 4,497 |
| Average total loans | $58,392,330 | 5,406 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 7,274 |
| Cost of funding earning assets | 2.3498% | 2,506 |
| Net interest margin | 2.5065% | 7,494 |
| Noninterest income to average assets | 0.1407% | 7,295 |
| Noninterest expense to average assets | 2.5050% | 5,831 |
| Loan and lease loss provision to assets | 0.2661% | 3,834 |
| Net operating income to assets | -0.2300% | 6,597 |
| Return on assets (ROA) | 0.6117% | 4,161 |
| Pretax return on assets | 0.9849% | 3,403 |
| Return on Equity (ROE) | 6.0130% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.0130% | 2,619 |
| Net charge-offs to loans | 1.4238% | 1,004 |
| Credit loss provision to net charge-offs | 43.2836% | 4,770 |
| Earnings coverage of net charge-offs (x) | -0.1045% | 5,079 |
| Efficiency ratio | 102.6316% | 1,027 |
| Assets per employee ($millions) | 6.0510% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 3,717 |
| 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% | 7,590 |
| Net loans and leases to total assets | 40.3532% | 7,546 |
| Net loans and leases to deposits | 52.2980% | 7,385 |
| Net loans and leases to core deposits | 68.9520% | 7,083 |
| Total domestic deposits to total assets | 77.1603% | 6,236 |
| Equity capital to assets | 9.1534% | 5,146 |
| Core capital (leverage) ratio | 9.1540% | 4,475 |
| Tier 1 risk-based capital ratio | 14.5963% | 3,259 |
| Total risk-based capital ratio | 15.5849% | 3,329 |
| Memoranda: | ||
| Average total assets | $130,779,500 | 4,394 |
| Average earning assets | $120,009,000 | 4,384 |
| Average equity | $13,304,500 | 4,503 |
| Average total loans | $56,470,500 | 5,526 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4880% | 7,332 |
| Cost of funding earning assets | 2.5174% | 4,102 |
| Net interest margin | 2.9706% | 6,984 |
| Noninterest income to average assets | 0.1467% | 7,365 |
| Noninterest expense to average assets | 3.5064% | 2,379 |
| Loan and lease loss provision to assets | 0.7927% | 1,879 |
| Net operating income to assets | -0.9481% | 7,219 |
| Return on assets (ROA) | -0.8496% | 7,078 |
| Pretax return on assets | -1.3296% | 7,179 |
| Return on Equity (ROE) | -5.3768% | 6,899 |
| Retained earnings to average equity (ytd only) | -5.3768% | 6,568 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5372% | 522 |
| Assets per employee ($millions) | 4.8473% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 1,833 |
| Loan loss allowance to noncurrent loans | 464.3216% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 6,883 |
| Noncurrent loans to loans | 0.3718% | 6,242 |
| Net loans and leases to total assets | 45.2181% | 7,394 |
| Net loans and leases to deposits | 59.0917% | 7,144 |
| Net loans and leases to core deposits | 76.3339% | 6,843 |
| Total domestic deposits to total assets | 76.5219% | 6,114 |
| Equity capital to assets | 11.4464% | 2,669 |
| Core capital (leverage) ratio | 11.2642% | 2,392 |
| Tier 1 risk-based capital ratio | 16.5984% | 2,449 |
| Total risk-based capital ratio | 17.8489% | 2,383 |
| Memoranda: | ||
| Average total assets | $82,507,200 | 5,613 |
| Average earning assets | $74,125,400 | 5,659 |
| Average equity | $13,037,600 | 4,562 |
| Average total loans | $39,449,600 | 6,196 |