Home > Concord Bank > Performance and Condition Ratios
Concord Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 1,440 |
| Cost of funding earning assets | 0.8898% | 303 |
| Net interest margin | 3.6683% | 2,871 |
| Noninterest income to average assets | 0.2243% | 5,256 |
| Noninterest expense to average assets | 2.6063% | 3,897 |
| Loan and lease loss provision to assets | 0.2310% | 858 |
| Net operating income to assets | -0.3825% | 6,014 |
| Return on assets (ROA) | -0.3825% | 6,025 |
| Pretax return on assets | 0.5340% | 5,031 |
| Return on Equity (ROE) | -3.7216% | 6,025 |
| Retained earnings to average equity (ytd only) | -3.7216% | 5,858 |
| Net charge-offs to loans | 0.7486% | 311 |
| Credit loss provision to net charge-offs | 38.3866% | 3,550 |
| Earnings coverage of net charge-offs (x) | 1.2712% | 4,117 |
| Efficiency ratio | 77.3088% | 2,072 |
| Assets per employee ($millions) | 6.6958% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 1,126 |
| Loan loss allowance to noncurrent loans | 116.4140% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 2.7928% | 503 |
| Noncurrent loans to loans | 1.5490% | 1,487 |
| Net loans and leases to total assets | 84.4820% | 348 |
| Net loans and leases to deposits | 94.6497% | 1,138 |
| Net loans and leases to core deposits | 97.5809% | 1,708 |
| Total domestic deposits to total assets | 89.2576% | 989 |
| Equity capital to assets | 10.3866% | 3,505 |
| Core capital (leverage) ratio | 9.1844% | 4,636 |
| Tier 1 risk-based capital ratio | 10.7012% | 5,674 |
| Total risk-based capital ratio | 11.9661% | 5,582 |
| Memoranda: | ||
| Average total assets | $119,481,000 | 4,077 |
| Average earning assets | $102,499,800 | 4,225 |
| Average equity | $12,279,600 | 4,250 |
| Average total loans | $96,039,600 | 3,458 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 1,436 |
| Cost of funding earning assets | 0.9051% | 281 |
| Net interest margin | 3.6517% | 2,955 |
| Noninterest income to average assets | 0.2294% | 5,280 |
| Noninterest expense to average assets | 2.6965% | 3,574 |
| Loan and lease loss provision to assets | 0.3044% | 471 |
| Net operating income to assets | 0.2349% | 5,603 |
| Return on assets (ROA) | 0.2349% | 5,678 |
| Pretax return on assets | 0.3253% | 5,608 |
| Return on Equity (ROE) | 2.2914% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.2914% | 4,743 |
| Net charge-offs to loans | 1.0408% | 180 |
| Credit loss provision to net charge-offs | 36.9973% | 3,199 |
| Earnings coverage of net charge-offs (x) | 0.7654% | 3,916 |
| Efficiency ratio | 81.0676% | 1,513 |
| Assets per employee ($millions) | 6.9911% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 1,209 |
| Loan loss allowance to noncurrent loans | 108.1468% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 3.8587% | 311 |
| Noncurrent loans to loans | 1.6896% | 1,436 |
| Net loans and leases to total assets | 78.6157% | 1,004 |
| Net loans and leases to deposits | 88.1852% | 1,876 |
| Net loans and leases to core deposits | 91.9545% | 2,271 |
| Total domestic deposits to total assets | 89.1484% | 948 |
| Equity capital to assets | 10.5369% | 3,565 |
| Core capital (leverage) ratio | 9.5929% | 4,178 |
| Tier 1 risk-based capital ratio | 10.9551% | 5,679 |
| Total risk-based capital ratio | 12.2178% | 5,579 |
| Memoranda: | ||
| Average total assets | $120,894,000 | 4,102 |
| Average earning assets | $102,525,000 | 4,269 |
| Average equity | $12,393,750 | 4,284 |
| Average total loans | $95,566,750 | 3,497 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,361 |
| Cost of funding earning assets | 0.8993% | 292 |
| Net interest margin | 3.6666% | 2,848 |
| Noninterest income to average assets | 0.2237% | 5,364 |
| Noninterest expense to average assets | 2.7736% | 3,338 |
| Loan and lease loss provision to assets | 0.4524% | 238 |
| Net operating income to assets | 0.1036% | 5,873 |
| Return on assets (ROA) | 0.1036% | 5,922 |
| Pretax return on assets | 0.1168% | 5,916 |
| Return on Equity (ROE) | 1.0202% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.0202% | 5,161 |
| Net charge-offs to loans | 1.5946% | 107 |
| Credit loss provision to net charge-offs | 36.0419% | 2,861 |
| Earnings coverage of net charge-offs (x) | 0.4535% | 3,656 |
| Efficiency ratio | 82.9724% | 1,373 |
| Assets per employee ($millions) | 6.7577% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 1,242 |
| Loan loss allowance to noncurrent loans | 105.6476% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 3.7973% | 358 |
| Noncurrent loans to loans | 1.7620% | 1,454 |
| Net loans and leases to total assets | 74.5904% | 1,571 |
| Net loans and leases to deposits | 83.2914% | 2,399 |
| Net loans and leases to core deposits | 87.3388% | 2,625 |
| Total domestic deposits to total assets | 89.5535% | 873 |
| Equity capital to assets | 10.1538% | 3,861 |
| Core capital (leverage) ratio | 9.3876% | 4,440 |
| Tier 1 risk-based capital ratio | 11.0227% | 5,698 |
| Total risk-based capital ratio | 12.2853% | 5,614 |
| Memoranda: | ||
| Average total assets | $121,575,670 | 4,126 |
| Average earning assets | $103,419,000 | 4,288 |
| Average equity | $12,350,670 | 4,318 |
| Average total loans | $95,698,000 | 3,517 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 1,566 |
| Cost of funding earning assets | 0.8750% | 323 |
| Net interest margin | 3.5909% | 3,045 |
| Noninterest income to average assets | 0.2238% | 5,356 |
| Noninterest expense to average assets | 2.4057% | 4,575 |
| Loan and lease loss provision to assets | 0.4936% | 214 |
| Net operating income to assets | 0.3094% | 5,382 |
| Return on assets (ROA) | 0.3094% | 5,486 |
| Pretax return on assets | 0.4443% | 5,337 |
| Return on Equity (ROE) | 3.0444% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.0444% | 4,156 |
| Net charge-offs to loans | 0.1069% | 1,672 |
| Credit loss provision to net charge-offs | 576.9231% | 488 |
| Earnings coverage of net charge-offs (x) | 10.9615% | 1,900 |
| Efficiency ratio | 71.9488% | 3,177 |
| Assets per employee ($millions) | 7.2353% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4090% | 602 |
| Loan loss allowance to noncurrent loans | 57.9876% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 4.3935% | 309 |
| Noncurrent loans to loans | 4.1543% | 402 |
| Net loans and leases to total assets | 76.8732% | 1,077 |
| Net loans and leases to deposits | 85.7695% | 1,858 |
| Net loans and leases to core deposits | 88.7806% | 2,242 |
| Total domestic deposits to total assets | 89.6276% | 937 |
| Equity capital to assets | 10.0902% | 4,030 |
| Core capital (leverage) ratio | 9.3482% | 4,497 |
| Tier 1 risk-based capital ratio | 10.7825% | 5,902 |
| Total risk-based capital ratio | 12.0518% | 5,823 |
| Memoranda: | ||
| Average total assets | $121,544,000 | 4,158 |
| Average earning assets | $105,599,000 | 4,259 |
| Average equity | $12,350,500 | 4,348 |
| Average total loans | $97,321,000 | 3,498 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 1,619 |
| Cost of funding earning assets | 0.9208% | 343 |
| Net interest margin | 3.6551% | 3,198 |
| Noninterest income to average assets | 0.1947% | 5,689 |
| Noninterest expense to average assets | 2.5603% | 4,361 |
| Loan and lease loss provision to assets | 1.4020% | 64 |
| Net operating income to assets | -0.3364% | 6,251 |
| Return on assets (ROA) | -0.3335% | 6,245 |
| Pretax return on assets | -0.5527% | 6,301 |
| Return on Equity (ROE) | -3.4566% | 6,263 |
| Retained earnings to average equity (ytd only) | -3.4566% | 6,117 |
| Net charge-offs to loans | 2.0472% | 92 |
| Credit loss provision to net charge-offs | 88.2296% | 2,682 |
| Earnings coverage of net charge-offs (x) | 0.5316% | 4,622 |
| Efficiency ratio | 75.1914% | 2,638 |
| Assets per employee ($millions) | 6.3204% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2598% | 763 |
| Loan loss allowance to noncurrent loans | 53.2417% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 4.6033% | 326 |
| Noncurrent loans to loans | 4.2443% | 409 |
| Net loans and leases to total assets | 79.5625% | 802 |
| Net loans and leases to deposits | 88.8882% | 1,627 |
| Net loans and leases to core deposits | 91.4648% | 2,148 |
| Total domestic deposits to total assets | 89.5085% | 971 |
| Equity capital to assets | 10.2342% | 3,818 |
| Core capital (leverage) ratio | 8.5707% | 5,476 |
| Tier 1 risk-based capital ratio | 10.2870% | 6,183 |
| Total risk-based capital ratio | 11.5369% | 6,129 |
| Memoranda: | ||
| Average total assets | $130,453,200 | 3,961 |
| Average earning assets | $114,579,000 | 4,080 |
| Average equity | $12,584,600 | 4,263 |
| Average total loans | $101,261,600 | 3,394 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,733 |
| Cost of funding earning assets | 0.9380% | 324 |
| Net interest margin | 3.6023% | 3,417 |
| Noninterest income to average assets | 0.1974% | 5,745 |
| Noninterest expense to average assets | 2.6266% | 4,107 |
| Loan and lease loss provision to assets | 1.6826% | 49 |
| Net operating income to assets | -0.5983% | 6,393 |
| Return on assets (ROA) | -0.5983% | 6,393 |
| Pretax return on assets | -0.9520% | 6,442 |
| Return on Equity (ROE) | -6.2882% | 6,393 |
| Retained earnings to average equity (ytd only) | -6.2882% | 6,304 |
| Net charge-offs to loans | 2.6799% | 53 |
| Credit loss provision to net charge-offs | 81.7828% | 2,562 |
| Earnings coverage of net charge-offs (x) | 0.3551% | 4,402 |
| Efficiency ratio | 78.2388% | 2,152 |
| Assets per employee ($millions) | 6.8538% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1113% | 1,073 |
| Loan loss allowance to noncurrent loans | 45.4029% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 4.8400% | 364 |
| Noncurrent loans to loans | 4.6501% | 413 |
| Net loans and leases to total assets | 78.1331% | 944 |
| Net loans and leases to deposits | 86.8811% | 1,807 |
| Net loans and leases to core deposits | 89.3106% | 2,286 |
| Total domestic deposits to total assets | 89.9310% | 767 |
| Equity capital to assets | 9.8412% | 4,374 |
| Core capital (leverage) ratio | 8.1541% | 5,966 |
| Tier 1 risk-based capital ratio | 10.1935% | 6,296 |
| Total risk-based capital ratio | 11.4435% | 6,264 |
| Memoranda: | ||
| Average total assets | $133,044,500 | 3,955 |
| Average earning assets | $116,701,500 | 4,068 |
| Average equity | $12,658,250 | 4,281 |
| Average total loans | $102,138,500 | 3,409 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 1,677 |
| Cost of funding earning assets | 0.9487% | 317 |
| Net interest margin | 3.5972% | 3,366 |
| Noninterest income to average assets | 0.1835% | 5,853 |
| Noninterest expense to average assets | 2.6110% | 4,206 |
| Loan and lease loss provision to assets | 0.6898% | 194 |
| Net operating income to assets | 0.0514% | 6,133 |
| Return on assets (ROA) | 0.0514% | 6,156 |
| Pretax return on assets | 0.0323% | 6,170 |
| Return on Equity (ROE) | 0.5456% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.5456% | 5,520 |
| Net charge-offs to loans | 1.7337% | 139 |
| Credit loss provision to net charge-offs | 52.4554% | 2,763 |
| Earnings coverage of net charge-offs (x) | 0.5491% | 4,021 |
| Efficiency ratio | 78.3355% | 2,254 |
| Assets per employee ($millions) | 7.8384% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 1,304 |
| Loan loss allowance to noncurrent loans | 60.8161% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 3.5459% | 647 |
| Noncurrent loans to loans | 3.3437% | 826 |
| Net loans and leases to total assets | 73.2832% | 1,535 |
| Net loans and leases to deposits | 81.4466% | 2,321 |
| Net loans and leases to core deposits | 83.3009% | 2,812 |
| Total domestic deposits to total assets | 89.9770% | 823 |
| Equity capital to assets | 9.5938% | 4,636 |
| Core capital (leverage) ratio | 8.4266% | 5,717 |
| Tier 1 risk-based capital ratio | 10.8743% | 6,104 |
| Total risk-based capital ratio | 12.1242% | 6,049 |
| Memoranda: | ||
| Average total assets | $136,269,670 | 3,915 |
| Average earning assets | $119,315,000 | 4,028 |
| Average equity | $12,830,670 | 4,257 |
| Average total loans | $103,361,000 | 3,389 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,931 |
| Cost of funding earning assets | 0.9409% | 358 |
| Net interest margin | 3.5200% | 3,601 |
| Noninterest income to average assets | 0.0900% | 6,364 |
| Noninterest expense to average assets | 1.7448% | 6,286 |
| Loan and lease loss provision to assets | 0.4355% | 370 |
| Net operating income to assets | 0.6735% | 3,826 |
| Return on assets (ROA) | 0.6735% | 3,907 |
| Pretax return on assets | 1.0161% | 3,264 |
| Return on Equity (ROE) | 7.2195% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.2195% | 1,933 |
| Net charge-offs to loans | 1.1178% | 303 |
| Credit loss provision to net charge-offs | 51.0204% | 2,189 |
| Earnings coverage of net charge-offs (x) | 1.7007% | 3,035 |
| Efficiency ratio | 54.5867% | 5,966 |
| Assets per employee ($millions) | 7.6926% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1940% | 1,171 |
| Loan loss allowance to noncurrent loans | 61.8537% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 3.8998% | 626 |
| Noncurrent loans to loans | 3.5471% | 812 |
| Net loans and leases to total assets | 74.3376% | 1,222 |
| Net loans and leases to deposits | 82.2352% | 2,026 |
| Net loans and leases to core deposits | 84.0208% | 2,508 |
| Total domestic deposits to total assets | 90.3963% | 861 |
| Equity capital to assets | 9.3719% | 4,666 |
| Core capital (leverage) ratio | 8.5966% | 5,530 |
| Tier 1 risk-based capital ratio | 10.8865% | 6,204 |
| Total risk-based capital ratio | 12.1360% | 6,152 |
| Memoranda: | ||
| Average total assets | $137,778,000 | 3,926 |
| Average earning assets | $121,589,500 | 4,011 |
| Average equity | $12,854,000 | 4,259 |
| Average total loans | $105,202,000 | 3,363 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,738 |
| Cost of funding earning assets | 1.0306% | 390 |
| Net interest margin | 3.6126% | 3,406 |
| Noninterest income to average assets | 0.2470% | 5,574 |
| Noninterest expense to average assets | 1.9927% | 6,043 |
| Loan and lease loss provision to assets | 0.3358% | 958 |
| Net operating income to assets | 0.7438% | 3,586 |
| Return on assets (ROA) | 0.7438% | 3,674 |
| Pretax return on assets | 1.1408% | 2,804 |
| Return on Equity (ROE) | 8.8373% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.8373% | 811 |
| Net charge-offs to loans | 0.7279% | 884 |
| Credit loss provision to net charge-offs | 59.8039% | 3,569 |
| Earnings coverage of net charge-offs (x) | 2.6299% | 4,118 |
| Efficiency ratio | 57.4375% | 5,799 |
| Assets per employee ($millions) | 7.2152% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3326% | 1,005 |
| Loan loss allowance to noncurrent loans | 72.9408% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.7392% | 744 |
| Noncurrent loans to loans | 3.1979% | 1,050 |
| Net loans and leases to total assets | 74.9214% | 1,233 |
| Net loans and leases to deposits | 82.7911% | 2,096 |
| Net loans and leases to core deposits | 84.4258% | 2,632 |
| Total domestic deposits to total assets | 90.4945% | 818 |
| Equity capital to assets | 9.2867% | 4,703 |
| Core capital (leverage) ratio | 8.1343% | 6,027 |
| Tier 1 risk-based capital ratio | 10.5158% | 6,361 |
| Total risk-based capital ratio | 11.7653% | 6,320 |
| Memoranda: | ||
| Average total assets | $145,333,600 | 3,780 |
| Average earning assets | $129,629,600 | 3,850 |
| Average equity | $12,232,200 | 4,404 |
| Average total loans | $112,107,400 | 3,207 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 1,818 |
| Cost of funding earning assets | 1.0511% | 389 |
| Net interest margin | 3.5728% | 3,565 |
| Noninterest income to average assets | 0.3048% | 5,264 |
| Noninterest expense to average assets | 2.0036% | 6,002 |
| Loan and lease loss provision to assets | 0.4414% | 653 |
| Net operating income to assets | 0.6857% | 3,926 |
| Return on assets (ROA) | 0.6857% | 4,065 |
| Pretax return on assets | 1.0484% | 3,309 |
| Return on Equity (ROE) | 8.3472% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.3472% | 1,270 |
| Net charge-offs to loans | 1.0049% | 564 |
| Credit loss provision to net charge-offs | 56.8765% | 3,357 |
| Earnings coverage of net charge-offs (x) | 1.9196% | 4,186 |
| Efficiency ratio | 57.3537% | 5,758 |
| Assets per employee ($millions) | 7.4403% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1503% | 1,410 |
| Loan loss allowance to noncurrent loans | 70.5383% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 3.7612% | 871 |
| Noncurrent loans to loans | 3.0484% | 1,310 |
| Net loans and leases to total assets | 77.6090% | 796 |
| Net loans and leases to deposits | 85.3292% | 1,699 |
| Net loans and leases to core deposits | 86.9481% | 2,289 |
| Total domestic deposits to total assets | 90.9525% | 554 |
| Equity capital to assets | 8.7957% | 5,427 |
| Core capital (leverage) ratio | 7.6248% | 6,396 |
| Tier 1 risk-based capital ratio | 9.4002% | 6,689 |
| Total risk-based capital ratio | 10.6499% | 6,669 |
| Memoranda: | ||
| Average total assets | $147,394,750 | 3,790 |
| Average earning assets | $131,547,000 | 3,848 |
| Average equity | $12,107,500 | 4,475 |
| Average total loans | $113,843,750 | 3,187 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 1,997 |
| Cost of funding earning assets | 1.0713% | 386 |
| Net interest margin | 3.4879% | 3,826 |
| Noninterest income to average assets | 0.3480% | 4,907 |
| Noninterest expense to average assets | 1.9892% | 6,071 |
| Loan and lease loss provision to assets | 0.3735% | 871 |
| Net operating income to assets | 0.7215% | 3,712 |
| Return on assets (ROA) | 0.7215% | 3,883 |
| Pretax return on assets | 1.1057% | 3,074 |
| Return on Equity (ROE) | 8.9843% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.9843% | 1,125 |
| Net charge-offs to loans | 0.6345% | 1,036 |
| Credit loss provision to net charge-offs | 76.8595% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0441% | 3,514 |
| Efficiency ratio | 57.3524% | 5,821 |
| Assets per employee ($millions) | 7.5132% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3659% | 1,144 |
| Loan loss allowance to noncurrent loans | 55.5968% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 4.7937% | 657 |
| Noncurrent loans to loans | 4.2555% | 865 |
| Net loans and leases to total assets | 77.9658% | 754 |
| Net loans and leases to deposits | 85.5137% | 1,625 |
| Net loans and leases to core deposits | 86.9250% | 2,237 |
| Total domestic deposits to total assets | 91.1734% | 484 |
| Equity capital to assets | 8.5653% | 5,698 |
| Core capital (leverage) ratio | 7.2235% | 6,554 |
| Tier 1 risk-based capital ratio | 9.0575% | 6,755 |
| Total risk-based capital ratio | 10.3070% | 6,757 |
| Memoranda: | ||
| Average total assets | $149,404,670 | 3,788 |
| Average earning assets | $133,663,670 | 3,827 |
| Average equity | $11,998,670 | 4,536 |
| Average total loans | $114,417,330 | 3,179 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 2,256 |
| Cost of funding earning assets | 1.0889% | 394 |
| Net interest margin | 3.3864% | 4,169 |
| Noninterest income to average assets | 0.2959% | 5,337 |
| Noninterest expense to average assets | 1.9249% | 6,244 |
| Loan and lease loss provision to assets | 0.3745% | 852 |
| Net operating income to assets | 0.6757% | 3,807 |
| Return on assets (ROA) | 0.6757% | 3,967 |
| Pretax return on assets | 1.0345% | 3,208 |
| Return on Equity (ROE) | 8.6836% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.6836% | 1,497 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7376% | 5,882 |
| Assets per employee ($millions) | 8.7752% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5660% | 1,049 |
| Loan loss allowance to noncurrent loans | 52.9231% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 5.6617% | 597 |
| Noncurrent loans to loans | 4.8485% | 799 |
| Net loans and leases to total assets | 74.4272% | 1,022 |
| Net loans and leases to deposits | 81.7562% | 1,861 |
| Net loans and leases to core deposits | 83.2089% | 2,433 |
| Total domestic deposits to total assets | 91.0355% | 513 |
| Equity capital to assets | 8.0494% | 6,351 |
| Core capital (leverage) ratio | 6.7310% | 6,707 |
| Tier 1 risk-based capital ratio | 8.0525% | 6,859 |
| Total risk-based capital ratio | 9.3025% | 6,858 |
| Memoranda: | ||
| Average total assets | $152,731,500 | 3,762 |
| Average earning assets | $137,019,000 | 3,812 |
| Average equity | $11,884,500 | 4,602 |
| Average total loans | $114,629,000 | 3,190 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6718% | 2,699 |
| Cost of funding earning assets | 1.2914% | 389 |
| Net interest margin | 3.3804% | 4,961 |
| Noninterest income to average assets | -1.7939% | 7,076 |
| Noninterest expense to average assets | 2.1455% | 6,034 |
| Loan and lease loss provision to assets | 0.1833% | 3,344 |
| Net operating income to assets | -1.0520% | 6,760 |
| Return on assets (ROA) | -1.0049% | 6,764 |
| Pretax return on assets | -1.0750% | 6,750 |
| Return on Equity (ROE) | -12.0777% | 6,766 |
| Retained earnings to average equity (ytd only) | -12.0777% | 6,700 |
| Net charge-offs to loans | 0.8301% | 1,396 |
| Credit loss provision to net charge-offs | 29.8371% | 5,115 |
| Earnings coverage of net charge-offs (x) | -1.5336% | 5,810 |
| Efficiency ratio | 178.3151% | 57 |
| Assets per employee ($millions) | 10.4190% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4119% | 1,214 |
| Loan loss allowance to noncurrent loans | 145.9077% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 3.2390% | 1,426 |
| Noncurrent loans to loans | 1.6530% | 3,145 |
| Net loans and leases to total assets | 71.9992% | 1,490 |
| Net loans and leases to deposits | 78.6188% | 2,446 |
| Net loans and leases to core deposits | 80.1179% | 2,991 |
| Total domestic deposits to total assets | 91.5801% | 321 |
| Equity capital to assets | 7.5254% | 6,624 |
| Core capital (leverage) ratio | 6.0644% | 6,852 |
| Tier 1 risk-based capital ratio | 7.8133% | 6,922 |
| Total risk-based capital ratio | 9.0636% | 6,923 |
| Memoranda: | ||
| Average total assets | $159,819,200 | 3,626 |
| Average earning assets | $141,701,200 | 3,697 |
| Average equity | $13,297,200 | 4,300 |
| Average total loans | $118,297,200 | 3,117 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 2,799 |
| Cost of funding earning assets | 1.3200% | 406 |
| Net interest margin | 3.3829% | 5,087 |
| Noninterest income to average assets | -0.1858% | 7,065 |
| Noninterest expense to average assets | 2.0800% | 6,210 |
| Loan and lease loss provision to assets | 0.1394% | 3,793 |
| Net operating income to assets | 0.3947% | 5,270 |
| Return on assets (ROA) | 0.4397% | 5,319 |
| Pretax return on assets | 0.6579% | 4,985 |
| Return on Equity (ROE) | 5.1651% | 4,741 |
| Retained earnings to average equity (ytd only) | 5.1651% | 3,245 |
| Net charge-offs to loans | 1.1133% | 910 |
| Credit loss provision to net charge-offs | 16.9014% | 4,999 |
| Earnings coverage of net charge-offs (x) | 0.8853% | 4,888 |
| Efficiency ratio | 74.0183% | 2,981 |
| Assets per employee ($millions) | 11.8403% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 1,535 |
| Loan loss allowance to noncurrent loans | 131.4115% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 3.3813% | 1,495 |
| Noncurrent loans to loans | 1.7443% | 3,167 |
| Net loans and leases to total assets | 67.9912% | 2,299 |
| Net loans and leases to deposits | 74.9324% | 3,153 |
| Net loans and leases to core deposits | 76.0806% | 3,714 |
| Total domestic deposits to total assets | 90.7368% | 504 |
| Equity capital to assets | 8.3993% | 6,356 |
| Core capital (leverage) ratio | 7.5915% | 6,572 |
| Tier 1 risk-based capital ratio | 9.9632% | 6,805 |
| Total risk-based capital ratio | 11.2131% | 6,787 |
| Memoranda: | ||
| Average total assets | $160,702,750 | 3,642 |
| Average earning assets | $142,319,750 | 3,731 |
| Average equity | $13,681,250 | 4,267 |
| Average total loans | $119,045,250 | 3,138 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 2,560 |
| Cost of funding earning assets | 1.3372% | 453 |
| Net interest margin | 3.4501% | 4,880 |
| Noninterest income to average assets | -0.1849% | 7,131 |
| Noninterest expense to average assets | 2.0753% | 6,275 |
| Loan and lease loss provision to assets | 0.1446% | 3,711 |
| Net operating income to assets | 0.4346% | 5,102 |
| Return on assets (ROA) | 0.5018% | 5,066 |
| Pretax return on assets | 0.7572% | 4,617 |
| Return on Equity (ROE) | 5.8674% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.8674% | 2,791 |
| Net charge-offs to loans | 1.0609% | 1,038 |
| Credit loss provision to net charge-offs | 18.0251% | 4,644 |
| Earnings coverage of net charge-offs (x) | 0.9969% | 4,530 |
| Efficiency ratio | 72.1785% | 3,401 |
| Assets per employee ($millions) | 9.5933% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4579% | 1,341 |
| Loan loss allowance to noncurrent loans | 149.4422% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 2.9849% | 1,846 |
| Noncurrent loans to loans | 1.6447% | 3,440 |
| Net loans and leases to total assets | 71.7119% | 1,604 |
| Net loans and leases to deposits | 79.1023% | 2,512 |
| Net loans and leases to core deposits | 80.6415% | 3,132 |
| Total domestic deposits to total assets | 90.6571% | 587 |
| Equity capital to assets | 8.4624% | 6,249 |
| Core capital (leverage) ratio | 7.6687% | 6,533 |
| Tier 1 risk-based capital ratio | 9.4385% | 6,935 |
| Total risk-based capital ratio | 10.6884% | 6,929 |
| Memoranda: | ||
| Average total assets | $159,015,670 | 3,686 |
| Average earning assets | $141,041,000 | 3,768 |
| Average equity | $13,600,670 | 4,277 |
| Average total loans | $120,277,330 | 3,129 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 2,081 |
| Cost of funding earning assets | 1.3484% | 521 |
| Net interest margin | 3.5939% | 4,297 |
| Noninterest income to average assets | -0.2625% | 7,215 |
| Noninterest expense to average assets | 2.1353% | 6,190 |
| Loan and lease loss provision to assets | 0.2242% | 2,705 |
| Net operating income to assets | 0.3764% | 5,362 |
| Return on assets (ROA) | 0.5147% | 4,971 |
| Pretax return on assets | 0.7695% | 4,530 |
| Return on Equity (ROE) | 5.9850% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.9850% | 2,966 |
| Net charge-offs to loans | 1.4311% | 699 |
| Credit loss provision to net charge-offs | 20.4176% | 3,767 |
| Earnings coverage of net charge-offs (x) | 0.7169% | 3,979 |
| Efficiency ratio | 73.0602% | 3,249 |
| Assets per employee ($millions) | 8.7451% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6229% | 1,198 |
| Loan loss allowance to noncurrent loans | 239.2502% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 2.7584% | 2,124 |
| Noncurrent loans to loans | 1.0963% | 4,500 |
| Net loans and leases to total assets | 73.7502% | 1,104 |
| Net loans and leases to deposits | 81.4805% | 1,998 |
| Net loans and leases to core deposits | 83.0182% | 2,685 |
| Total domestic deposits to total assets | 90.5127% | 797 |
| Equity capital to assets | 8.6271% | 5,957 |
| Core capital (leverage) ratio | 7.6739% | 6,506 |
| Tier 1 risk-based capital ratio | 9.2149% | 7,007 |
| Total risk-based capital ratio | 10.4647% | 7,010 |
| Memoranda: | ||
| Average total assets | $156,980,500 | 3,747 |
| Average earning assets | $139,123,500 | 3,835 |
| Average equity | $13,500,500 | 4,303 |
| Average total loans | $120,466,500 | 3,143 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9506% | 3,105 |
| Cost of funding earning assets | 1.5595% | 560 |
| Net interest margin | 3.3911% | 5,510 |
| Noninterest income to average assets | 0.2697% | 5,595 |
| Noninterest expense to average assets | 2.5451% | 5,315 |
| Loan and lease loss provision to assets | 0.1184% | 5,124 |
| Net operating income to assets | 0.4276% | 4,745 |
| Return on assets (ROA) | 0.4276% | 4,941 |
| Pretax return on assets | 0.6243% | 4,612 |
| Return on Equity (ROE) | 4.9764% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.9764% | 2,656 |
| Net charge-offs to loans | 0.3434% | 3,682 |
| Credit loss provision to net charge-offs | 45.5696% | 5,518 |
| Earnings coverage of net charge-offs (x) | 2.8582% | 3,782 |
| Efficiency ratio | 77.4110% | 2,675 |
| Assets per employee ($millions) | 8.2395% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8509% | 929 |
| Loan loss allowance to noncurrent loans | 305.9965% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 2.7090% | 2,245 |
| Noncurrent loans to loans | 0.9317% | 4,834 |
| Net loans and leases to total assets | 75.5318% | 1,017 |
| Net loans and leases to deposits | 83.4557% | 1,995 |
| Net loans and leases to core deposits | 85.0390% | 2,747 |
| Total domestic deposits to total assets | 90.5053% | 722 |
| Equity capital to assets | 8.5730% | 6,052 |
| Core capital (leverage) ratio | 7.4895% | 6,653 |
| Tier 1 risk-based capital ratio | 8.6367% | 7,069 |
| Total risk-based capital ratio | 9.8869% | 7,069 |
| Memoranda: | ||
| Average total assets | $152,020,000 | 3,761 |
| Average earning assets | $135,295,800 | 3,836 |
| Average equity | $13,061,600 | 4,331 |
| Average total loans | $115,031,000 | 3,271 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 3,320 |
| Cost of funding earning assets | 1.5930% | 602 |
| Net interest margin | 3.3581% | 5,689 |
| Noninterest income to average assets | 0.3402% | 5,136 |
| Noninterest expense to average assets | 2.5767% | 5,165 |
| Loan and lease loss provision to assets | 0.0751% | 5,511 |
| Net operating income to assets | 0.4586% | 4,729 |
| Return on assets (ROA) | 0.4586% | 4,920 |
| Pretax return on assets | 0.6724% | 4,572 |
| Return on Equity (ROE) | 5.3345% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.3345% | 2,964 |
| Net charge-offs to loans | 0.4763% | 2,831 |
| Credit loss provision to net charge-offs | 20.9877% | 5,545 |
| Earnings coverage of net charge-offs (x) | 2.0889% | 4,099 |
| Efficiency ratio | 77.5120% | 2,606 |
| Assets per employee ($millions) | 8.8648% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9142% | 924 |
| Loan loss allowance to noncurrent loans | 500.0000% | 652 |
| Noncurrent assets plus other real estate owned to assets | 2.3695% | 2,710 |
| Noncurrent loans to loans | 0.5828% | 5,711 |
| Net loans and leases to total assets | 70.2545% | 2,035 |
| Net loans and leases to deposits | 80.8783% | 2,541 |
| Net loans and leases to core deposits | 83.8291% | 3,085 |
| Total domestic deposits to total assets | 86.8645% | 2,734 |
| Equity capital to assets | 8.3413% | 6,449 |
| Core capital (leverage) ratio | 7.1324% | 6,917 |
| Tier 1 risk-based capital ratio | 8.4258% | 7,160 |
| Total risk-based capital ratio | 9.6758% | 7,164 |
| Memoranda: | ||
| Average total assets | $150,887,500 | 3,808 |
| Average earning assets | $134,080,250 | 3,880 |
| Average equity | $12,971,750 | 4,355 |
| Average total loans | $113,360,000 | 3,340 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 3,104 |
| Cost of funding earning assets | 1.5700% | 789 |
| Net interest margin | 3.4419% | 5,400 |
| Noninterest income to average assets | 0.2054% | 6,196 |
| Noninterest expense to average assets | 2.5366% | 5,410 |
| Loan and lease loss provision to assets | 0.0338% | 5,890 |
| Net operating income to assets | 0.4797% | 4,595 |
| Return on assets (ROA) | 0.4797% | 4,739 |
| Pretax return on assets | 0.7014% | 4,381 |
| Return on Equity (ROE) | 5.5214% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.5214% | 2,682 |
| Net charge-offs to loans | 0.0763% | 4,877 |
| Credit loss provision to net charge-offs | 58.1395% | 4,384 |
| Earnings coverage of net charge-offs (x) | 12.6512% | 1,611 |
| Efficiency ratio | 77.5299% | 2,784 |
| Assets per employee ($millions) | 7.9267% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1940% | 769 |
| Loan loss allowance to noncurrent loans | 150.4102% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 3.2203% | 2,083 |
| Noncurrent loans to loans | 2.1235% | 3,322 |
| Net loans and leases to total assets | 73.7954% | 1,453 |
| Net loans and leases to deposits | 86.1966% | 1,767 |
| Net loans and leases to core deposits | 89.1882% | 2,476 |
| Total domestic deposits to total assets | 85.6129% | 3,554 |
| Equity capital to assets | 8.7167% | 5,919 |
| Core capital (leverage) ratio | 7.4353% | 6,788 |
| Tier 1 risk-based capital ratio | 8.5017% | 7,213 |
| Total risk-based capital ratio | 9.7518% | 7,215 |
| Memoranda: | ||
| Average total assets | $147,994,330 | 3,885 |
| Average earning assets | $131,845,000 | 3,944 |
| Average equity | $12,859,000 | 4,374 |
| Average total loans | $112,657,330 | 3,396 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9500% | 3,331 |
| Cost of funding earning assets | 1.5657% | 932 |
| Net interest margin | 3.3843% | 5,490 |
| Noninterest income to average assets | 0.1691% | 6,517 |
| Noninterest expense to average assets | 2.4487% | 5,745 |
| Loan and lease loss provision to assets | 0.0409% | 5,479 |
| Net operating income to assets | 0.4854% | 4,549 |
| Return on assets (ROA) | 0.4854% | 4,631 |
| Pretax return on assets | 0.7090% | 4,272 |
| Return on Equity (ROE) | 5.5955% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.5955% | 2,853 |
| Net charge-offs to loans | 0.0502% | 4,433 |
| Credit loss provision to net charge-offs | 107.1429% | 2,486 |
| Earnings coverage of net charge-offs (x) | 19.6429% | 1,132 |
| Efficiency ratio | 76.5558% | 3,062 |
| Assets per employee ($millions) | 8.0724% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2943% | 714 |
| Loan loss allowance to noncurrent loans | 113.8006% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 3.8478% | 1,738 |
| Noncurrent loans to loans | 2.8948% | 2,598 |
| Net loans and leases to total assets | 74.4685% | 1,274 |
| Net loans and leases to deposits | 89.3599% | 1,314 |
| Net loans and leases to core deposits | 92.6682% | 2,054 |
| Total domestic deposits to total assets | 83.3355% | 4,774 |
| Equity capital to assets | 8.8264% | 5,454 |
| Core capital (leverage) ratio | 7.2522% | 6,891 |
| Tier 1 risk-based capital ratio | 8.4621% | 7,263 |
| Total risk-based capital ratio | 9.7123% | 7,266 |
| Memoranda: | ||
| Average total assets | $146,688,000 | 3,941 |
| Average earning assets | $131,313,000 | 3,991 |
| Average equity | $12,724,500 | 4,400 |
| Average total loans | $111,582,000 | 3,453 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 3,070 |
| Cost of funding earning assets | 2.1067% | 419 |
| Net interest margin | 3.2053% | 6,259 |
| Noninterest income to average assets | -0.7879% | 7,603 |
| Noninterest expense to average assets | 1.8752% | 7,195 |
| Loan and lease loss provision to assets | 2.1766% | 574 |
| Net operating income to assets | -1.2575% | 6,811 |
| Return on assets (ROA) | -1.2575% | 6,837 |
| Pretax return on assets | -1.9600% | 7,011 |
| Return on Equity (ROE) | -13.3817% | 6,864 |
| Retained earnings to average equity (ytd only) | -13.3817% | 6,816 |
| Net charge-offs to loans | 1.8560% | 1,119 |
| Credit loss provision to net charge-offs | 153.0999% | 2,332 |
| Earnings coverage of net charge-offs (x) | 0.1524% | 5,960 |
| Efficiency ratio | 89.6430% | 1,346 |
| Assets per employee ($millions) | 8.7102% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3117% | 671 |
| Loan loss allowance to noncurrent loans | 92.1250% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 4.6335% | 1,438 |
| Noncurrent loans to loans | 3.5948% | 2,089 |
| Net loans and leases to total assets | 72.6588% | 1,955 |
| Net loans and leases to deposits | 86.7743% | 1,969 |
| Net loans and leases to core deposits | 90.0228% | 2,761 |
| Total domestic deposits to total assets | 83.7330% | 4,488 |
| Equity capital to assets | 8.5255% | 5,819 |
| Core capital (leverage) ratio | 7.3021% | 6,843 |
| Tier 1 risk-based capital ratio | 8.3632% | 7,318 |
| Total risk-based capital ratio | 9.6133% | 7,331 |
| Memoranda: | ||
| Average total assets | $148,625,000 | 3,899 |
| Average earning assets | $133,527,400 | 3,941 |
| Average equity | $13,966,800 | 4,150 |
| Average total loans | $113,847,200 | 3,450 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3589% | 3,082 |
| Cost of funding earning assets | 2.2878% | 283 |
| Net interest margin | 3.0710% | 6,683 |
| Noninterest income to average assets | 0.0699% | 7,181 |
| Noninterest expense to average assets | 1.6366% | 7,481 |
| Loan and lease loss provision to assets | 1.2951% | 1,075 |
| Net operating income to assets | 0.0009% | 5,997 |
| Return on assets (ROA) | 0.0009% | 6,122 |
| Pretax return on assets | -0.0995% | 6,219 |
| Return on Equity (ROE) | 0.0093% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.0093% | 5,774 |
| Net charge-offs to loans | 0.3005% | 4,163 |
| Credit loss provision to net charge-offs | 560.0775% | 517 |
| Earnings coverage of net charge-offs (x) | 5.1706% | 2,826 |
| Efficiency ratio | 57.7848% | 6,301 |
| Assets per employee ($millions) | 8.2204% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2371% | 678 |
| Loan loss allowance to noncurrent loans | 41.6574% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 8.7802% | 530 |
| Noncurrent loans to loans | 7.7707% | 686 |
| Net loans and leases to total assets | 80.2134% | 716 |
| Net loans and leases to deposits | 99.2597% | 702 |
| Net loans and leases to core deposits | 107.5954% | 1,193 |
| Total domestic deposits to total assets | 80.8116% | 5,448 |
| Equity capital to assets | 10.2407% | 3,830 |
| Core capital (leverage) ratio | 8.9669% | 4,743 |
| Tier 1 risk-based capital ratio | 10.5359% | 6,752 |
| Total risk-based capital ratio | 11.7861% | 6,736 |
| Memoranda: | ||
| Average total assets | $148,763,000 | 3,942 |
| Average earning assets | $133,805,500 | 3,991 |
| Average equity | $14,302,500 | 4,133 |
| Average total loans | $114,490,750 | 3,493 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 3,854 |
| Cost of funding earning assets | 2.3638% | 270 |
| Net interest margin | 2.8562% | 7,073 |
| Noninterest income to average assets | 0.0171% | 7,472 |
| Noninterest expense to average assets | 1.4153% | 7,658 |
| Loan and lease loss provision to assets | 0.9027% | 1,618 |
| Net operating income to assets | 0.2240% | 5,482 |
| Return on assets (ROA) | 0.2240% | 5,617 |
| Pretax return on assets | 0.2675% | 5,606 |
| Return on Equity (ROE) | 2.3777% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.3777% | 4,647 |
| Net charge-offs to loans | 0.4490% | 3,185 |
| Credit loss provision to net charge-offs | 267.5781% | 1,413 |
| Earnings coverage of net charge-offs (x) | 3.4688% | 3,314 |
| Efficiency ratio | 54.7401% | 6,789 |
| Assets per employee ($millions) | 8.5386% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6790% | 1,112 |
| Loan loss allowance to noncurrent loans | 46.7866% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 6.7380% | 807 |
| Noncurrent loans to loans | 5.7259% | 1,136 |
| Net loans and leases to total assets | 70.7199% | 2,739 |
| Net loans and leases to deposits | 87.4539% | 2,270 |
| Net loans and leases to core deposits | 97.6656% | 2,268 |
| Total domestic deposits to total assets | 80.8654% | 5,447 |
| Equity capital to assets | 9.3972% | 4,864 |
| Core capital (leverage) ratio | 8.5799% | 5,276 |
| Tier 1 risk-based capital ratio | 10.5768% | 6,624 |
| Total risk-based capital ratio | 11.8270% | 6,625 |
| Memoranda: | ||
| Average total assets | $151,768,670 | 3,923 |
| Average earning assets | $136,476,000 | 3,962 |
| Average equity | $14,299,670 | 4,136 |
| Average total loans | $114,039,330 | 3,536 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3463% | 3,312 |
| Cost of funding earning assets | 2.4509% | 259 |
| Net interest margin | 2.8954% | 7,027 |
| Noninterest income to average assets | 0.1220% | 7,076 |
| Noninterest expense to average assets | 1.7665% | 7,503 |
| Loan and lease loss provision to assets | 0.8010% | 1,580 |
| Net operating income to assets | 0.1379% | 5,893 |
| Return on assets (ROA) | 0.1379% | 6,020 |
| Pretax return on assets | 0.1459% | 6,027 |
| Return on Equity (ROE) | 1.4619% | 5,979 |
| Retained earnings to average equity (ytd only) | 1.4619% | 5,219 |
| Net charge-offs to loans | 0.7881% | 1,947 |
| Credit loss provision to net charge-offs | 133.0396% | 2,663 |
| Earnings coverage of net charge-offs (x) | 1.5727% | 3,785 |
| Efficiency ratio | 65.1026% | 5,289 |
| Assets per employee ($millions) | 10.2253% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 1,592 |
| Loan loss allowance to noncurrent loans | 55.9017% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 5.7974% | 1,048 |
| Noncurrent loans to loans | 4.0962% | 1,892 |
| Net loans and leases to total assets | 73.3903% | 2,110 |
| Net loans and leases to deposits | 91.6132% | 1,668 |
| Net loans and leases to core deposits | 102.0285% | 1,904 |
| Total domestic deposits to total assets | 80.1089% | 5,746 |
| Equity capital to assets | 9.2991% | 4,833 |
| Core capital (leverage) ratio | 8.9182% | 4,702 |
| Tier 1 risk-based capital ratio | 10.2502% | 6,843 |
| Total risk-based capital ratio | 11.4999% | 6,842 |
| Memoranda: | ||
| Average total assets | $150,805,500 | 3,996 |
| Average earning assets | $134,972,000 | 4,056 |
| Average equity | $14,228,000 | 4,189 |
| Average total loans | $115,216,500 | 3,563 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 5,528 |
| Cost of funding earning assets | 3.1415% | 150 |
| Net interest margin | 2.0839% | 7,708 |
| Noninterest income to average assets | -0.3762% | 7,912 |
| Noninterest expense to average assets | 1.9577% | 7,432 |
| Loan and lease loss provision to assets | 0.2782% | 5,193 |
| Net operating income to assets | -0.4357% | 6,115 |
| Return on assets (ROA) | -0.4312% | 6,107 |
| Pretax return on assets | -0.7487% | 6,238 |
| Return on Equity (ROE) | -4.6620% | 6,184 |
| Retained earnings to average equity (ytd only) | -9.7547% | 6,501 |
| Net charge-offs to loans | 0.2632% | 4,977 |
| Credit loss provision to net charge-offs | 144.7368% | 3,295 |
| Earnings coverage of net charge-offs (x) | -2.4836% | 7,032 |
| Efficiency ratio | 132.2512% | 455 |
| Assets per employee ($millions) | 8.7195% | 384 |
| Cash dividends to net income (ytd only)* | -109.2375% | 7,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2243% | 1,600 |
| Loan loss allowance to noncurrent loans | 61.8933% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 5.6243% | 1,035 |
| Noncurrent loans to loans | 3.5937% | 2,104 |
| Net loans and leases to total assets | 76.0070% | 1,794 |
| Net loans and leases to deposits | 97.3045% | 1,177 |
| Net loans and leases to core deposits | 124.3362% | 1,617 |
| Total domestic deposits to total assets | 78.1125% | 6,191 |
| Equity capital to assets | 9.5749% | 4,310 |
| Core capital (leverage) ratio | 9.6352% | 3,543 |
| Tier 1 risk-based capital ratio | 11.1640% | 5,762 |
| Total risk-based capital ratio | 12.4144% | 5,718 |
| Memoranda: | ||
| Average total assets | $158,147,000 | 3,808 |
| Average earning assets | $140,887,000 | 3,882 |
| Average equity | $14,628,800 | 4,124 |
| Average total loans | $115,523,200 | 3,570 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 6,176 |
| Cost of funding earning assets | 3.2686% | 153 |
| Net interest margin | 1.8602% | 7,869 |
| Noninterest income to average assets | -0.3661% | 8,023 |
| Noninterest expense to average assets | 1.9664% | 7,446 |
| Loan and lease loss provision to assets | 0.2407% | 5,041 |
| Net operating income to assets | -0.5625% | 6,488 |
| Return on assets (ROA) | -0.5620% | 6,484 |
| Pretax return on assets | -0.9181% | 6,616 |
| Return on Equity (ROE) | -6.1247% | 6,571 |
| Retained earnings to average equity (ytd only) | -12.8646% | 6,999 |
| Net charge-offs to loans | 0.2999% | 4,152 |
| Credit loss provision to net charge-offs | 111.5385% | 4,557 |
| Earnings coverage of net charge-offs (x) | -3.1423% | 6,810 |
| Efficiency ratio | 152.6418% | 303 |
| Assets per employee ($millions) | 9.0035% | 368 |
| Cash dividends to net income (ytd only)* | -110.0450% | 8,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 1,522 |
| Loan loss allowance to noncurrent loans | 54.2145% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 5.9352% | 916 |
| Noncurrent loans to loans | 3.9437% | 1,866 |
| Net loans and leases to total assets | 78.0676% | 1,556 |
| Net loans and leases to deposits | 100.9416% | 1,019 |
| Net loans and leases to core deposits | 123.6623% | 1,937 |
| Total domestic deposits to total assets | 77.3394% | 6,254 |
| Equity capital to assets | 9.8774% | 4,235 |
| Core capital (leverage) ratio | 9.2977% | 4,194 |
| Tier 1 risk-based capital ratio | 11.1066% | 5,847 |
| Total risk-based capital ratio | 12.3567% | 5,799 |
| Memoranda: | ||
| Average total assets | $160,626,000 | 3,781 |
| Average earning assets | $142,851,250 | 3,870 |
| Average equity | $14,737,750 | 4,144 |
| Average total loans | $115,596,750 | 3,606 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 7,007 |
| Cost of funding earning assets | 3.3912% | 153 |
| Net interest margin | 1.5198% | 8,011 |
| Noninterest income to average assets | -0.5236% | 8,120 |
| Noninterest expense to average assets | 1.8899% | 7,639 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.6693% | 6,722 |
| Return on assets (ROA) | -0.6693% | 6,730 |
| Pretax return on assets | -1.0653% | 6,860 |
| Return on Equity (ROE) | -7.4594% | 6,850 |
| Retained earnings to average equity (ytd only) | -17.4545% | 7,369 |
| Net charge-offs to loans | 0.1502% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -10.1724% | 6,529 |
| Efficiency ratio | 229.1971% | 143 |
| Assets per employee ($millions) | 8.6820% | 390 |
| Cash dividends to net income (ytd only)* | -133.9928% | 8,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 1,600 |
| Loan loss allowance to noncurrent loans | 47.8430% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 6.1086% | 787 |
| Noncurrent loans to loans | 4.1493% | 1,602 |
| Net loans and leases to total assets | 78.2782% | 1,682 |
| Net loans and leases to deposits | 100.4460% | 1,244 |
| Net loans and leases to core deposits | 120.4935% | 2,326 |
| Total domestic deposits to total assets | 77.9307% | 6,091 |
| Equity capital to assets | 9.6210% | 4,466 |
| Core capital (leverage) ratio | 9.2410% | 4,250 |
| Tier 1 risk-based capital ratio | 11.2210% | 5,667 |
| Total risk-based capital ratio | 12.4711% | 5,583 |
| Memoranda: | ||
| Average total assets | $166,149,330 | 3,703 |
| Average earning assets | $147,383,000 | 3,787 |
| Average equity | $14,907,330 | 4,128 |
| Average total loans | $115,823,000 | 3,629 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 7,701 |
| Cost of funding earning assets | 3.4607% | 163 |
| Net interest margin | 1.0561% | 8,155 |
| Noninterest income to average assets | -1.3932% | 8,225 |
| Noninterest expense to average assets | 1.6121% | 7,902 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.3339% | 7,432 |
| Return on assets (ROA) | -1.3339% | 7,447 |
| Pretax return on assets | -2.0658% | 7,549 |
| Return on Equity (ROE) | -15.3332% | 7,615 |
| Retained earnings to average equity (ytd only) | -16.5127% | 7,514 |
| Net charge-offs to loans | 0.1045% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -30.2000% | 5,684 |
| Efficiency ratio | -355.2764% | 8,242 |
| Assets per employee ($millions) | 8.8889% | 371 |
| Cash dividends to net income (ytd only)* | -7.6923% | 8,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0848% | 1,263 |
| Loan loss allowance to noncurrent loans | 55.3196% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 6.5612% | 559 |
| Noncurrent loans to loans | 3.7686% | 1,637 |
| Net loans and leases to total assets | 70.3614% | 3,596 |
| Net loans and leases to deposits | 89.6629% | 2,981 |
| Net loans and leases to core deposits | 105.9318% | 3,928 |
| Total domestic deposits to total assets | 78.4733% | 5,870 |
| Equity capital to assets | 9.3474% | 4,866 |
| Core capital (leverage) ratio | 8.4477% | 5,631 |
| Tier 1 risk-based capital ratio | 11.5103% | 5,402 |
| Total risk-based capital ratio | 12.7603% | 5,298 |
| Memoranda: | ||
| Average total assets | $175,427,000 | 3,571 |
| Average earning assets | $156,039,000 | 3,647 |
| Average equity | $15,261,000 | 4,091 |
| Average total loans | $114,797,500 | 3,677 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5035% | 2,943 |
| Cost of funding earning assets | 3.6105% | 377 |
| Net interest margin | 2.8930% | 7,169 |
| Noninterest income to average assets | -1.4776% | 8,296 |
| Noninterest expense to average assets | 1.6965% | 7,873 |
| Loan and lease loss provision to assets | 1.3002% | 1,094 |
| Net operating income to assets | -1.1354% | 7,312 |
| Return on assets (ROA) | -1.3367% | 7,349 |
| Pretax return on assets | -2.2324% | 7,515 |
| Return on Equity (ROE) | -13.2004% | 7,505 |
| Retained earnings to average equity (ytd only) | -14.8652% | 7,446 |
| Net charge-offs to loans | 1.2706% | 941 |
| Credit loss provision to net charge-offs | 132.3303% | 4,026 |
| Earnings coverage of net charge-offs (x) | -0.6287% | 6,521 |
| Efficiency ratio | 157.2595% | 322 |
| Assets per employee ($millions) | 11.2266% | 196 |
| Cash dividends to net income (ytd only)* | -12.6118% | 7,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1174% | 1,049 |
| Loan loss allowance to noncurrent loans | 478.6982% | 893 |
| Noncurrent assets plus other real estate owned to assets | 4.8498% | 737 |
| Noncurrent loans to loans | 0.4423% | 6,032 |
| Net loans and leases to total assets | 58.7845% | 6,093 |
| Net loans and leases to deposits | 72.0154% | 6,061 |
| Net loans and leases to core deposits | 81.3516% | 6,509 |
| Total domestic deposits to total assets | 81.6277% | 4,357 |
| Equity capital to assets | 8.1560% | 6,623 |
| Core capital (leverage) ratio | 8.6345% | 5,315 |
| Tier 1 risk-based capital ratio | 11.3099% | 5,429 |
| Total risk-based capital ratio | 12.5620% | 5,323 |
| Memoranda: | ||
| Average total assets | $158,973,800 | 3,736 |
| Average earning assets | $140,478,000 | 3,838 |
| Average equity | $16,098,000 | 3,911 |
| Average total loans | $122,934,200 | 3,398 |