Home > Continental Bank > Performance and Condition Ratios
Continental Bank, Performance and Condition Ratios
| 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 | 3.7060% | 4,763 |
| Cost of funding earning assets | 0.4629% | 3,040 |
| Net interest margin | 3.2431% | 4,780 |
| Noninterest income to average assets | 0.4119% | 4,097 |
| Noninterest expense to average assets | 2.5590% | 4,367 |
| Loan and lease loss provision to assets | 0.1707% | 1,523 |
| Net operating income to assets | 0.4605% | 4,965 |
| Return on assets (ROA) | 0.4830% | 4,969 |
| Pretax return on assets | 0.7462% | 4,458 |
| Return on Equity (ROE) | 5.3820% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.3820% | 2,347 |
| Net charge-offs to loans | 0.1279% | 2,746 |
| Credit loss provision to net charge-offs | 221.2237% | 1,131 |
| Earnings coverage of net charge-offs (x) | 11.4302% | 2,488 |
| Efficiency ratio | 74.3632% | 2,774 |
| Assets per employee ($millions) | 8.9010% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 3,652 |
| Loan loss allowance to noncurrent loans | 196.2950% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 4,199 |
| Noncurrent loans to loans | 0.6425% | 3,760 |
| Net loans and leases to total assets | 64.3823% | 3,162 |
| Net loans and leases to deposits | 90.3486% | 1,482 |
| Net loans and leases to core deposits | 94.0156% | 1,922 |
| Total domestic deposits to total assets | 71.2598% | 6,128 |
| Equity capital to assets | 9.4475% | 4,782 |
| Core capital (leverage) ratio | 9.6221% | 4,069 |
| Tier 1 risk-based capital ratio | 13.8454% | 4,211 |
| Total risk-based capital ratio | 15.0349% | 4,179 |
| Memoranda: | ||
| Average total assets | $677,603,200 | 983 |
| Average earning assets | $632,951,000 | 971 |
| Average equity | $60,813,600 | 1,202 |
| Average total loans | $409,056,400 | 1,073 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 4,907 |
| Cost of funding earning assets | 0.4653% | 3,097 |
| Net interest margin | 3.2185% | 4,897 |
| Noninterest income to average assets | 0.4471% | 3,913 |
| Noninterest expense to average assets | 2.5469% | 4,375 |
| Loan and lease loss provision to assets | 0.1686% | 1,465 |
| Net operating income to assets | 0.4649% | 5,017 |
| Return on assets (ROA) | 0.3829% | 5,389 |
| Pretax return on assets | 0.6144% | 4,984 |
| Return on Equity (ROE) | 4.3237% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.3237% | 3,575 |
| Net charge-offs to loans | 0.1333% | 2,454 |
| Credit loss provision to net charge-offs | 213.7157% | 1,202 |
| Earnings coverage of net charge-offs (x) | 11.5512% | 2,416 |
| Efficiency ratio | 73.6534% | 2,876 |
| Assets per employee ($millions) | 8.5064% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 3,648 |
| Loan loss allowance to noncurrent loans | 148.4698% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 3,712 |
| Noncurrent loans to loans | 0.8753% | 3,381 |
| Net loans and leases to total assets | 58.6327% | 3,986 |
| Net loans and leases to deposits | 82.8053% | 2,320 |
| Net loans and leases to core deposits | 86.0999% | 2,655 |
| Total domestic deposits to total assets | 70.8078% | 6,240 |
| Equity capital to assets | 8.9357% | 5,423 |
| Core capital (leverage) ratio | 9.1388% | 4,874 |
| Tier 1 risk-based capital ratio | 13.9652% | 4,244 |
| Total risk-based capital ratio | 15.1510% | 4,229 |
| Memoranda: | ||
| Average total assets | $677,885,250 | 997 |
| Average earning assets | $634,152,500 | 977 |
| Average equity | $60,039,500 | 1,223 |
| Average total loans | $401,047,250 | 1,096 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,895 |
| Cost of funding earning assets | 0.4720% | 3,095 |
| Net interest margin | 3.2157% | 4,893 |
| Noninterest income to average assets | 0.4686% | 3,730 |
| Noninterest expense to average assets | 2.6896% | 3,906 |
| Loan and lease loss provision to assets | 0.1659% | 1,479 |
| Net operating income to assets | 0.3739% | 5,316 |
| Return on assets (ROA) | 0.3331% | 5,527 |
| Pretax return on assets | 0.5556% | 5,113 |
| Return on Equity (ROE) | 3.7722% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.7722% | 3,786 |
| Net charge-offs to loans | 0.1795% | 1,958 |
| Credit loss provision to net charge-offs | 156.4607% | 1,415 |
| Earnings coverage of net charge-offs (x) | 7.4045% | 2,636 |
| Efficiency ratio | 77.4005% | 2,390 |
| Assets per employee ($millions) | 8.1097% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 4,019 |
| Loan loss allowance to noncurrent loans | 146.3623% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 3,919 |
| Noncurrent loans to loans | 0.8683% | 3,533 |
| Net loans and leases to total assets | 58.5004% | 3,920 |
| Net loans and leases to deposits | 82.8474% | 2,157 |
| Net loans and leases to core deposits | 85.8584% | 2,527 |
| Total domestic deposits to total assets | 70.6122% | 6,332 |
| Equity capital to assets | 8.9551% | 5,352 |
| Core capital (leverage) ratio | 9.2290% | 4,695 |
| Tier 1 risk-based capital ratio | 14.0631% | 4,224 |
| Total risk-based capital ratio | 15.2160% | 4,219 |
| Memoranda: | ||
| Average total assets | $671,338,330 | 1,004 |
| Average earning assets | $627,599,670 | 984 |
| Average equity | $59,276,330 | 1,234 |
| Average total loans | $396,608,670 | 1,100 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6600% | 4,972 |
| Cost of funding earning assets | 0.4726% | 3,202 |
| Net interest margin | 3.1874% | 4,960 |
| Noninterest income to average assets | 0.4640% | 3,680 |
| Noninterest expense to average assets | 2.6711% | 4,036 |
| Loan and lease loss provision to assets | 0.2215% | 1,022 |
| Net operating income to assets | 0.4203% | 5,041 |
| Return on assets (ROA) | 0.3505% | 5,368 |
| Pretax return on assets | 0.4562% | 5,293 |
| Return on Equity (ROE) | 3.9991% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.9991% | 3,714 |
| Net charge-offs to loans | 0.1648% | 1,733 |
| Credit loss provision to net charge-offs | 227.7778% | 953 |
| Earnings coverage of net charge-offs (x) | 7.9012% | 2,074 |
| Efficiency ratio | 77.6614% | 2,525 |
| Assets per employee ($millions) | 7.1747% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,174 |
| Loan loss allowance to noncurrent loans | 143.4236% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 3,958 |
| Noncurrent loans to loans | 0.8999% | 3,635 |
| Net loans and leases to total assets | 58.2410% | 3,801 |
| Net loans and leases to deposits | 83.4132% | 1,889 |
| Net loans and leases to core deposits | 86.5190% | 2,263 |
| Total domestic deposits to total assets | 69.8224% | 6,456 |
| Equity capital to assets | 8.7921% | 5,349 |
| Core capital (leverage) ratio | 9.2274% | 4,677 |
| Tier 1 risk-based capital ratio | 13.9722% | 4,352 |
| Total risk-based capital ratio | 15.1276% | 4,363 |
| Memoranda: | ||
| Average total assets | $666,398,500 | 1,026 |
| Average earning assets | $622,079,500 | 1,000 |
| Average equity | $58,412,500 | 1,247 |
| Average total loans | $393,090,500 | 1,119 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 5,264 |
| Cost of funding earning assets | 0.5545% | 3,075 |
| Net interest margin | 3.1006% | 5,312 |
| Noninterest income to average assets | 1.3031% | 819 |
| Noninterest expense to average assets | 3.4122% | 1,857 |
| Loan and lease loss provision to assets | 0.2616% | 1,362 |
| Net operating income to assets | 0.3805% | 5,217 |
| Return on assets (ROA) | 0.4363% | 5,133 |
| Pretax return on assets | 0.5948% | 4,890 |
| Return on Equity (ROE) | 4.6549% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.6549% | 2,850 |
| Net charge-offs to loans | 0.2594% | 2,412 |
| Credit loss provision to net charge-offs | 177.8017% | 1,291 |
| Earnings coverage of net charge-offs (x) | 5.3017% | 3,333 |
| Efficiency ratio | 81.3946% | 1,962 |
| Assets per employee ($millions) | 6.8581% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 4,298 |
| Loan loss allowance to noncurrent loans | 115.8130% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 3,631 |
| Noncurrent loans to loans | 1.0962% | 3,341 |
| Net loans and leases to total assets | 58.2230% | 4,003 |
| Net loans and leases to deposits | 82.9028% | 2,078 |
| Net loans and leases to core deposits | 85.7445% | 2,478 |
| Total domestic deposits to total assets | 70.2304% | 6,514 |
| Equity capital to assets | 8.7380% | 5,325 |
| Core capital (leverage) ratio | 9.3464% | 4,482 |
| Tier 1 risk-based capital ratio | 14.2629% | 4,110 |
| Total risk-based capital ratio | 15.4059% | 4,136 |
| Memoranda: | ||
| Average total assets | $630,803,800 | 1,062 |
| Average earning assets | $587,750,600 | 1,039 |
| Average equity | $59,120,000 | 1,214 |
| Average total loans | $357,770,600 | 1,195 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 5,400 |
| Cost of funding earning assets | 0.5572% | 3,190 |
| Net interest margin | 3.0590% | 5,438 |
| Noninterest income to average assets | 1.4299% | 723 |
| Noninterest expense to average assets | 3.5293% | 1,547 |
| Loan and lease loss provision to assets | 0.2725% | 1,288 |
| Net operating income to assets | 0.3541% | 5,424 |
| Return on assets (ROA) | 0.4253% | 5,282 |
| Pretax return on assets | 0.5719% | 5,125 |
| Return on Equity (ROE) | 4.4579% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.4579% | 3,495 |
| Net charge-offs to loans | 0.2228% | 2,474 |
| Credit loss provision to net charge-offs | 217.9487% | 1,114 |
| Earnings coverage of net charge-offs (x) | 5.9846% | 3,058 |
| Efficiency ratio | 82.5090% | 1,760 |
| Assets per employee ($millions) | 5.7855% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 4,352 |
| Loan loss allowance to noncurrent loans | 157.3586% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 4,666 |
| Noncurrent loans to loans | 0.8306% | 4,170 |
| Net loans and leases to total assets | 56.5621% | 4,235 |
| Net loans and leases to deposits | 80.9583% | 2,268 |
| Net loans and leases to core deposits | 83.6431% | 2,685 |
| Total domestic deposits to total assets | 69.8657% | 6,605 |
| Equity capital to assets | 8.7209% | 5,496 |
| Core capital (leverage) ratio | 9.3005% | 4,691 |
| Tier 1 risk-based capital ratio | 14.6356% | 3,993 |
| Total risk-based capital ratio | 15.8152% | 3,989 |
| Memoranda: | ||
| Average total assets | $623,911,250 | 1,078 |
| Average earning assets | $580,787,500 | 1,057 |
| Average equity | $59,517,750 | 1,221 |
| Average total loans | $350,149,750 | 1,219 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 5,436 |
| Cost of funding earning assets | 0.5667% | 3,251 |
| Net interest margin | 3.0330% | 5,488 |
| Noninterest income to average assets | 1.7193% | 560 |
| Noninterest expense to average assets | 3.7872% | 1,116 |
| Loan and lease loss provision to assets | 0.2687% | 1,376 |
| Net operating income to assets | 0.3593% | 5,364 |
| Return on assets (ROA) | 0.4678% | 5,114 |
| Pretax return on assets | 0.6362% | 4,889 |
| Return on Equity (ROE) | 4.7587% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.7587% | 3,215 |
| Net charge-offs to loans | 0.2445% | 2,259 |
| Credit loss provision to net charge-offs | 197.3684% | 1,209 |
| Earnings coverage of net charge-offs (x) | 5.5694% | 2,866 |
| Efficiency ratio | 83.3166% | 1,713 |
| Assets per employee ($millions) | 5.1318% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 4,558 |
| Loan loss allowance to noncurrent loans | 168.9491% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 4,772 |
| Noncurrent loans to loans | 0.7635% | 4,394 |
| Net loans and leases to total assets | 55.9374% | 4,303 |
| Net loans and leases to deposits | 75.8409% | 2,898 |
| Net loans and leases to core deposits | 78.3619% | 3,242 |
| Total domestic deposits to total assets | 73.7562% | 6,457 |
| Equity capital to assets | 9.2311% | 4,950 |
| Core capital (leverage) ratio | 9.5704% | 4,123 |
| Tier 1 risk-based capital ratio | 15.1603% | 3,672 |
| Total risk-based capital ratio | 16.3226% | 3,698 |
| Memoranda: | ||
| Average total assets | $613,960,670 | 1,091 |
| Average earning assets | $572,114,330 | 1,069 |
| Average equity | $60,352,330 | 1,209 |
| Average total loans | $341,973,330 | 1,240 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 5,497 |
| Cost of funding earning assets | 0.5904% | 3,200 |
| Net interest margin | 2.9917% | 5,591 |
| Noninterest income to average assets | 1.8780% | 470 |
| Noninterest expense to average assets | 4.1762% | 736 |
| Loan and lease loss provision to assets | 0.2478% | 1,457 |
| Net operating income to assets | 0.1797% | 5,948 |
| Return on assets (ROA) | 0.3938% | 5,301 |
| Pretax return on assets | 0.5438% | 5,135 |
| Return on Equity (ROE) | 3.8831% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.8831% | 3,907 |
| Net charge-offs to loans | 0.1832% | 2,302 |
| Credit loss provision to net charge-offs | 245.0980% | 938 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 2,458 |
| Efficiency ratio | 89.4171% | 1,197 |
| Assets per employee ($millions) | 4.9285% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,793 |
| Loan loss allowance to noncurrent loans | 201.1353% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 5,059 |
| Noncurrent loans to loans | 0.6369% | 4,853 |
| Net loans and leases to total assets | 56.2986% | 4,044 |
| Net loans and leases to deposits | 78.1698% | 2,313 |
| Net loans and leases to core deposits | 80.9987% | 2,696 |
| Total domestic deposits to total assets | 72.0209% | 6,656 |
| Equity capital to assets | 10.0879% | 4,031 |
| Core capital (leverage) ratio | 9.8856% | 3,549 |
| Tier 1 risk-based capital ratio | 15.4706% | 3,540 |
| Total risk-based capital ratio | 16.6256% | 3,561 |
| Memoranda: | ||
| Average total assets | $605,334,500 | 1,115 |
| Average earning assets | $565,036,500 | 1,093 |
| Average equity | $61,394,500 | 1,198 |
| Average total loans | $334,111,000 | 1,276 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 5,803 |
| Cost of funding earning assets | 0.7539% | 3,059 |
| Net interest margin | 3.0541% | 5,918 |
| Noninterest income to average assets | 1.5231% | 678 |
| Noninterest expense to average assets | 3.6890% | 1,434 |
| Loan and lease loss provision to assets | 0.4712% | 1,316 |
| Net operating income to assets | 0.1337% | 5,931 |
| Return on assets (ROA) | 0.2711% | 5,782 |
| Pretax return on assets | 0.4250% | 5,508 |
| Return on Equity (ROE) | 2.7144% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.7144% | 4,326 |
| Net charge-offs to loans | 0.7760% | 1,511 |
| Credit loss provision to net charge-offs | 109.9170% | 2,662 |
| Earnings coverage of net charge-offs (x) | 1.5896% | 4,649 |
| Efficiency ratio | 84.4065% | 1,580 |
| Assets per employee ($millions) | 4.9143% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,616 |
| Loan loss allowance to noncurrent loans | 174.2336% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 5,153 |
| Noncurrent loans to loans | 0.7485% | 4,681 |
| Net loans and leases to total assets | 52.6585% | 4,815 |
| Net loans and leases to deposits | 73.3631% | 3,197 |
| Net loans and leases to core deposits | 75.5296% | 3,599 |
| Total domestic deposits to total assets | 71.7779% | 6,704 |
| Equity capital to assets | 10.1967% | 3,894 |
| Core capital (leverage) ratio | 9.8332% | 3,624 |
| Tier 1 risk-based capital ratio | 16.3920% | 2,945 |
| Total risk-based capital ratio | 17.5663% | 2,946 |
| Memoranda: | ||
| Average total assets | $562,136,600 | 1,180 |
| Average earning assets | $524,079,000 | 1,152 |
| Average equity | $56,145,600 | 1,267 |
| Average total loans | $310,580,200 | 1,351 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 5,841 |
| Cost of funding earning assets | 0.7920% | 3,012 |
| Net interest margin | 3.0840% | 5,976 |
| Noninterest income to average assets | 1.4816% | 682 |
| Noninterest expense to average assets | 3.6683% | 1,416 |
| Loan and lease loss provision to assets | 0.5105% | 1,194 |
| Net operating income to assets | 0.1043% | 6,121 |
| Return on assets (ROA) | 0.2502% | 5,972 |
| Pretax return on assets | 0.4018% | 5,714 |
| Return on Equity (ROE) | 2.5194% | 5,872 |
| Retained earnings to average equity (ytd only) | 2.5194% | 5,059 |
| Net charge-offs to loans | 0.8080% | 1,353 |
| Credit loss provision to net charge-offs | 113.3047% | 2,575 |
| Earnings coverage of net charge-offs (x) | 1.5188% | 4,521 |
| Efficiency ratio | 84.2775% | 1,556 |
| Assets per employee ($millions) | 4.7881% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 4,871 |
| Loan loss allowance to noncurrent loans | 121.7856% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8482% | 4,595 |
| Noncurrent loans to loans | 1.0570% | 4,325 |
| Net loans and leases to total assets | 55.7905% | 4,490 |
| Net loans and leases to deposits | 74.2382% | 3,246 |
| Net loans and leases to core deposits | 76.4624% | 3,676 |
| Total domestic deposits to total assets | 75.1508% | 6,500 |
| Equity capital to assets | 10.5733% | 3,764 |
| Core capital (leverage) ratio | 10.1776% | 3,309 |
| Tier 1 risk-based capital ratio | 15.8535% | 3,347 |
| Total risk-based capital ratio | 17.0013% | 3,362 |
| Memoranda: | ||
| Average total assets | $551,556,000 | 1,227 |
| Average earning assets | $513,477,500 | 1,197 |
| Average equity | $54,773,250 | 1,311 |
| Average total loans | $307,599,000 | 1,375 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 5,821 |
| Cost of funding earning assets | 0.8269% | 2,978 |
| Net interest margin | 3.1092% | 5,979 |
| Noninterest income to average assets | 1.5390% | 623 |
| Noninterest expense to average assets | 3.7659% | 1,266 |
| Loan and lease loss provision to assets | 0.5621% | 1,086 |
| Net operating income to assets | 0.0769% | 6,212 |
| Return on assets (ROA) | 0.2733% | 5,890 |
| Pretax return on assets | 0.3832% | 5,744 |
| Return on Equity (ROE) | 2.8168% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.8168% | 4,751 |
| Net charge-offs to loans | 0.7090% | 1,561 |
| Credit loss provision to net charge-offs | 142.8304% | 1,943 |
| Earnings coverage of net charge-offs (x) | 1.6992% | 4,137 |
| Efficiency ratio | 84.9218% | 1,544 |
| Assets per employee ($millions) | 4.5924% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 4,365 |
| Loan loss allowance to noncurrent loans | 140.7572% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 4,697 |
| Noncurrent loans to loans | 1.0123% | 4,487 |
| Net loans and leases to total assets | 55.0760% | 4,617 |
| Net loans and leases to deposits | 73.4913% | 3,381 |
| Net loans and leases to core deposits | 75.8695% | 3,778 |
| Total domestic deposits to total assets | 74.9423% | 6,595 |
| Equity capital to assets | 10.8372% | 3,305 |
| Core capital (leverage) ratio | 10.5451% | 2,760 |
| Tier 1 risk-based capital ratio | 16.2311% | 3,048 |
| Total risk-based capital ratio | 17.4703% | 3,018 |
| Memoranda: | ||
| Average total assets | $542,288,670 | 1,248 |
| Average earning assets | $505,018,330 | 1,214 |
| Average equity | $52,612,000 | 1,355 |
| Average total loans | $300,984,670 | 1,410 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 5,863 |
| Cost of funding earning assets | 0.8458% | 3,099 |
| Net interest margin | 3.1228% | 5,975 |
| Noninterest income to average assets | 1.2338% | 936 |
| Noninterest expense to average assets | 3.8066% | 1,207 |
| Loan and lease loss provision to assets | 0.5131% | 1,175 |
| Net operating income to assets | -0.1164% | 6,558 |
| Return on assets (ROA) | 0.1277% | 6,305 |
| Pretax return on assets | 0.1830% | 6,229 |
| Return on Equity (ROE) | 1.4014% | 6,253 |
| Retained earnings to average equity (ytd only) | 1.4014% | 5,535 |
| Net charge-offs to loans | 1.0235% | 1,012 |
| Credit loss provision to net charge-offs | 90.6332% | 2,534 |
| Earnings coverage of net charge-offs (x) | 0.6135% | 4,027 |
| Efficiency ratio | 91.6397% | 967 |
| Assets per employee ($millions) | 4.5326% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,915 |
| Loan loss allowance to noncurrent loans | 67.2304% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.4059% | 3,759 |
| Noncurrent loans to loans | 1.9683% | 3,201 |
| Net loans and leases to total assets | 53.8633% | 4,749 |
| Net loans and leases to deposits | 71.7301% | 3,467 |
| Net loans and leases to core deposits | 74.1863% | 3,878 |
| Total domestic deposits to total assets | 75.0917% | 6,635 |
| Equity capital to assets | 8.9983% | 5,493 |
| Core capital (leverage) ratio | 8.8809% | 5,018 |
| Tier 1 risk-based capital ratio | 14.0225% | 4,462 |
| Total risk-based capital ratio | 15.1747% | 4,493 |
| Memoranda: | ||
| Average total assets | $535,592,500 | 1,262 |
| Average earning assets | $500,838,000 | 1,228 |
| Average equity | $48,808,000 | 1,448 |
| Average total loans | $296,241,500 | 1,433 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 5,566 |
| Cost of funding earning assets | 0.9768% | 3,529 |
| Net interest margin | 3.3846% | 5,530 |
| Noninterest income to average assets | 1.8516% | 426 |
| Noninterest expense to average assets | 3.9681% | 1,086 |
| Loan and lease loss provision to assets | 0.7376% | 1,377 |
| Net operating income to assets | 0.2111% | 5,556 |
| Return on assets (ROA) | 0.2794% | 5,488 |
| Pretax return on assets | 0.4468% | 5,136 |
| Return on Equity (ROE) | 3.0363% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.0363% | 4,068 |
| Net charge-offs to loans | 0.9695% | 1,775 |
| Credit loss provision to net charge-offs | 127.1790% | 2,441 |
| Earnings coverage of net charge-offs (x) | 1.8583% | 4,380 |
| Efficiency ratio | 77.9413% | 2,594 |
| Assets per employee ($millions) | 4.1547% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 4,745 |
| Loan loss allowance to noncurrent loans | 48.5082% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.8462% | 3,190 |
| Noncurrent loans to loans | 2.7437% | 2,376 |
| Net loans and leases to total assets | 55.3007% | 4,834 |
| Net loans and leases to deposits | 73.4894% | 3,582 |
| Net loans and leases to core deposits | 76.0245% | 3,980 |
| Total domestic deposits to total assets | 75.2499% | 6,568 |
| Equity capital to assets | 9.2291% | 5,244 |
| Core capital (leverage) ratio | 8.9866% | 4,814 |
| Tier 1 risk-based capital ratio | 14.5822% | 3,913 |
| Total risk-based capital ratio | 15.8066% | 3,906 |
| Memoranda: | ||
| Average total assets | $518,305,600 | 1,292 |
| Average earning assets | $489,154,200 | 1,246 |
| Average equity | $47,689,200 | 1,424 |
| Average total loans | $310,053,800 | 1,370 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 5,386 |
| Cost of funding earning assets | 0.9972% | 3,688 |
| Net interest margin | 3.4632% | 5,344 |
| Noninterest income to average assets | 1.8107% | 442 |
| Noninterest expense to average assets | 3.9168% | 1,127 |
| Loan and lease loss provision to assets | 0.7020% | 1,366 |
| Net operating income to assets | 0.2885% | 5,433 |
| Return on assets (ROA) | 0.3213% | 5,491 |
| Pretax return on assets | 0.5093% | 5,136 |
| Return on Equity (ROE) | 3.4951% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.4951% | 4,255 |
| Net charge-offs to loans | 0.7658% | 2,033 |
| Credit loss provision to net charge-offs | 150.7786% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.4917% | 3,884 |
| Efficiency ratio | 76.5390% | 2,759 |
| Assets per employee ($millions) | 3.9409% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,933 |
| Loan loss allowance to noncurrent loans | 39.7633% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.3118% | 2,773 |
| Noncurrent loans to loans | 3.3098% | 2,083 |
| Net loans and leases to total assets | 58.5945% | 4,396 |
| Net loans and leases to deposits | 78.7721% | 2,849 |
| Net loans and leases to core deposits | 81.6921% | 3,375 |
| Total domestic deposits to total assets | 74.3849% | 6,714 |
| Equity capital to assets | 9.5249% | 5,041 |
| Core capital (leverage) ratio | 9.1699% | 4,674 |
| Tier 1 risk-based capital ratio | 13.7845% | 4,513 |
| Total risk-based capital ratio | 14.9740% | 4,518 |
| Memoranda: | ||
| Average total assets | $514,930,250 | 1,305 |
| Average earning assets | $485,632,750 | 1,263 |
| Average equity | $47,341,250 | 1,444 |
| Average total loans | $313,052,250 | 1,367 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 5,338 |
| Cost of funding earning assets | 1.0247% | 3,783 |
| Net interest margin | 3.4802% | 5,247 |
| Noninterest income to average assets | 1.6926% | 470 |
| Noninterest expense to average assets | 3.7975% | 1,348 |
| Loan and lease loss provision to assets | 0.5939% | 1,626 |
| Net operating income to assets | 0.3638% | 5,112 |
| Return on assets (ROA) | 0.3344% | 5,371 |
| Pretax return on assets | 0.5417% | 4,933 |
| Return on Equity (ROE) | 3.6820% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.6820% | 3,880 |
| Net charge-offs to loans | 0.4376% | 2,823 |
| Credit loss provision to net charge-offs | 221.5116% | 1,348 |
| Earnings coverage of net charge-offs (x) | 4.4070% | 2,865 |
| Efficiency ratio | 75.7514% | 3,059 |
| Assets per employee ($millions) | 3.6942% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 5,111 |
| Loan loss allowance to noncurrent loans | 40.6607% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 2.2575% | 2,907 |
| Noncurrent loans to loans | 3.1700% | 2,264 |
| Net loans and leases to total assets | 59.4785% | 4,379 |
| Net loans and leases to deposits | 79.3525% | 2,914 |
| Net loans and leases to core deposits | 81.8285% | 3,528 |
| Total domestic deposits to total assets | 74.9547% | 6,731 |
| Equity capital to assets | 9.3766% | 5,022 |
| Core capital (leverage) ratio | 9.1970% | 4,410 |
| Tier 1 risk-based capital ratio | 13.6868% | 4,392 |
| Total risk-based capital ratio | 14.8551% | 4,433 |
| Memoranda: | ||
| Average total assets | $513,174,670 | 1,314 |
| Average earning assets | $484,633,670 | 1,264 |
| Average equity | $46,605,670 | 1,451 |
| Average total loans | $314,445,670 | 1,373 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 5,588 |
| Cost of funding earning assets | 1.0861% | 3,612 |
| Net interest margin | 3.3432% | 5,633 |
| Noninterest income to average assets | 1.5376% | 551 |
| Noninterest expense to average assets | 3.7925% | 1,348 |
| Loan and lease loss provision to assets | 0.4772% | 1,843 |
| Net operating income to assets | 0.2832% | 5,491 |
| Return on assets (ROA) | 0.2214% | 5,775 |
| Pretax return on assets | 0.3353% | 5,544 |
| Return on Equity (ROE) | 2.4785% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.4785% | 4,668 |
| Net charge-offs to loans | -0.0379% | 6,796 |
| Credit loss provision to net charge-offs | -2,040.0000% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2522% | 2,482 |
| Assets per employee ($millions) | 3.8423% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 5,500 |
| Loan loss allowance to noncurrent loans | 41.0384% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.4625% | 2,765 |
| Noncurrent loans to loans | 2.9878% | 2,515 |
| Net loans and leases to total assets | 59.8079% | 4,308 |
| Net loans and leases to deposits | 79.0271% | 2,886 |
| Net loans and leases to core deposits | 81.3342% | 3,554 |
| Total domestic deposits to total assets | 75.6803% | 6,718 |
| Equity capital to assets | 8.9981% | 5,206 |
| Core capital (leverage) ratio | 9.1005% | 4,448 |
| Tier 1 risk-based capital ratio | 13.9256% | 4,124 |
| Total risk-based capital ratio | 15.0709% | 4,176 |
| Memoranda: | ||
| Average total assets | $513,017,000 | 1,317 |
| Average earning assets | $485,049,500 | 1,272 |
| Average equity | $45,834,500 | 1,465 |
| Average total loans | $316,966,500 | 1,376 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 4,514 |
| Cost of funding earning assets | 1.3765% | 3,411 |
| Net interest margin | 3.6330% | 4,654 |
| Noninterest income to average assets | 1.2227% | 1,007 |
| Noninterest expense to average assets | 3.7880% | 1,508 |
| Loan and lease loss provision to assets | 0.8311% | 1,981 |
| Net operating income to assets | -0.0002% | 5,834 |
| Return on assets (ROA) | 0.2068% | 5,421 |
| Pretax return on assets | 0.3288% | 5,153 |
| Return on Equity (ROE) | 2.3906% | 5,226 |
| Retained earnings to average equity (ytd only) | 2.3906% | 4,203 |
| Net charge-offs to loans | 1.4390% | 1,538 |
| Credit loss provision to net charge-offs | 86.6348% | 5,254 |
| Earnings coverage of net charge-offs (x) | 0.8720% | 5,255 |
| Efficiency ratio | 81.4160% | 2,236 |
| Assets per employee ($millions) | 3.9616% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 6,483 |
| Loan loss allowance to noncurrent loans | 48.3510% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 1.9514% | 3,409 |
| Noncurrent loans to loans | 2.0089% | 3,550 |
| Net loans and leases to total assets | 62.3976% | 4,201 |
| Net loans and leases to deposits | 79.0215% | 3,335 |
| Net loans and leases to core deposits | 81.2954% | 4,009 |
| Total domestic deposits to total assets | 78.9629% | 6,089 |
| Equity capital to assets | 8.8710% | 5,324 |
| Core capital (leverage) ratio | 8.9748% | 4,587 |
| Tier 1 risk-based capital ratio | 13.4013% | 4,290 |
| Total risk-based capital ratio | 14.3242% | 4,501 |
| Memoranda: | ||
| Average total assets | $501,501,400 | 1,337 |
| Average earning assets | $469,590,800 | 1,303 |
| Average equity | $43,379,000 | 1,531 |
| Average total loans | $334,323,800 | 1,333 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 4,499 |
| Cost of funding earning assets | 1.4269% | 3,413 |
| Net interest margin | 3.6398% | 4,676 |
| Noninterest income to average assets | 0.9189% | 1,729 |
| Noninterest expense to average assets | 3.4647% | 2,125 |
| Loan and lease loss provision to assets | 0.7056% | 2,171 |
| Net operating income to assets | 0.0945% | 5,789 |
| Return on assets (ROA) | 0.3450% | 5,164 |
| Pretax return on assets | 0.5244% | 4,839 |
| Return on Equity (ROE) | 4.0153% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.0153% | 3,650 |
| Net charge-offs to loans | 1.2241% | 1,671 |
| Credit loss provision to net charge-offs | 85.2523% | 4,951 |
| Earnings coverage of net charge-offs (x) | 1.0275% | 5,029 |
| Efficiency ratio | 79.7531% | 2,377 |
| Assets per employee ($millions) | 3.9946% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 6,490 |
| Loan loss allowance to noncurrent loans | 34.4543% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 2.8787% | 2,523 |
| Noncurrent loans to loans | 2.8364% | 2,819 |
| Net loans and leases to total assets | 66.7111% | 3,524 |
| Net loans and leases to deposits | 83.8746% | 2,725 |
| Net loans and leases to core deposits | 87.5443% | 3,438 |
| Total domestic deposits to total assets | 79.5367% | 5,851 |
| Equity capital to assets | 8.8358% | 5,798 |
| Core capital (leverage) ratio | 8.7818% | 5,042 |
| Tier 1 risk-based capital ratio | 12.0422% | 5,425 |
| Total risk-based capital ratio | 12.9550% | 5,701 |
| Memoranda: | ||
| Average total assets | $498,123,500 | 1,362 |
| Average earning assets | $464,781,750 | 1,333 |
| Average equity | $42,802,000 | 1,554 |
| Average total loans | $336,777,750 | 1,341 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 5,002 |
| Cost of funding earning assets | 1.4606% | 3,490 |
| Net interest margin | 3.5255% | 5,136 |
| Noninterest income to average assets | 0.3636% | 5,230 |
| Noninterest expense to average assets | 3.0675% | 3,438 |
| Loan and lease loss provision to assets | 0.6965% | 2,085 |
| Net operating income to assets | -0.0740% | 6,192 |
| Return on assets (ROA) | 0.1854% | 5,733 |
| Pretax return on assets | 0.2828% | 5,554 |
| Return on Equity (ROE) | 2.1791% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.1791% | 4,759 |
| Net charge-offs to loans | 1.4568% | 1,306 |
| Credit loss provision to net charge-offs | 70.6268% | 4,954 |
| Earnings coverage of net charge-offs (x) | 0.5944% | 5,146 |
| Efficiency ratio | 83.3370% | 1,992 |
| Assets per employee ($millions) | 4.3460% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 6,875 |
| Loan loss allowance to noncurrent loans | 30.6177% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 2.7816% | 2,602 |
| Noncurrent loans to loans | 2.8134% | 2,842 |
| Net loans and leases to total assets | 70.8795% | 2,694 |
| Net loans and leases to deposits | 90.6212% | 1,753 |
| Net loans and leases to core deposits | 94.5103% | 2,643 |
| Total domestic deposits to total assets | 78.2151% | 6,220 |
| Equity capital to assets | 8.6652% | 5,923 |
| Core capital (leverage) ratio | 8.5988% | 5,238 |
| Tier 1 risk-based capital ratio | 11.5307% | 5,739 |
| Total risk-based capital ratio | 12.3665% | 6,111 |
| Memoranda: | ||
| Average total assets | $495,060,000 | 1,377 |
| Average earning assets | $462,006,330 | 1,345 |
| Average equity | $42,127,670 | 1,567 |
| Average total loans | $335,112,000 | 1,358 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 5,339 |
| Cost of funding earning assets | 1.5280% | 3,383 |
| Net interest margin | 3.3958% | 5,600 |
| Noninterest income to average assets | 0.1908% | 6,601 |
| Noninterest expense to average assets | 2.9065% | 4,035 |
| Loan and lease loss provision to assets | 0.6592% | 1,922 |
| Net operating income to assets | -0.1232% | 6,454 |
| Return on assets (ROA) | 0.1640% | 5,939 |
| Pretax return on assets | 0.2484% | 5,749 |
| Return on Equity (ROE) | 1.9452% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.9452% | 4,964 |
| Net charge-offs to loans | 2.2839% | 744 |
| Credit loss provision to net charge-offs | 43.8919% | 4,577 |
| Earnings coverage of net charge-offs (x) | 0.3146% | 4,763 |
| Efficiency ratio | 85.3436% | 1,869 |
| Assets per employee ($millions) | 4.9299% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 7,006 |
| Loan loss allowance to noncurrent loans | 33.6300% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 2.2933% | 3,158 |
| Noncurrent loans to loans | 2.5122% | 3,163 |
| Net loans and leases to total assets | 65.6587% | 3,942 |
| Net loans and leases to deposits | 82.0493% | 3,274 |
| Net loans and leases to core deposits | 86.0943% | 3,877 |
| Total domestic deposits to total assets | 80.0234% | 5,779 |
| Equity capital to assets | 8.4403% | 6,086 |
| Core capital (leverage) ratio | 8.4548% | 5,459 |
| Tier 1 risk-based capital ratio | 12.1960% | 4,999 |
| Total risk-based capital ratio | 13.0131% | 5,376 |
| Memoranda: | ||
| Average total assets | $492,694,000 | 1,416 |
| Average earning assets | $462,569,500 | 1,372 |
| Average equity | $41,537,500 | 1,606 |
| Average total loans | $324,004,000 | 1,454 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4931% | 4,179 |
| Cost of funding earning assets | 2.1532% | 2,225 |
| Net interest margin | 3.3399% | 5,586 |
| Noninterest income to average assets | 0.4143% | 5,085 |
| Noninterest expense to average assets | 2.8391% | 4,793 |
| Loan and lease loss provision to assets | 0.4729% | 3,992 |
| Net operating income to assets | 0.1705% | 4,995 |
| Return on assets (ROA) | 0.1955% | 4,981 |
| Pretax return on assets | 0.3025% | 4,752 |
| Return on Equity (ROE) | 2.3155% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.3155% | 3,499 |
| Net charge-offs to loans | 0.7160% | 3,041 |
| Credit loss provision to net charge-offs | 97.5022% | 5,705 |
| Earnings coverage of net charge-offs (x) | 1.5193% | 4,610 |
| Efficiency ratio | 78.8219% | 3,072 |
| Assets per employee ($millions) | 6.6540% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 5,470 |
| Loan loss allowance to noncurrent loans | 40.3615% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 2.1485% | 3,208 |
| Noncurrent loans to loans | 2.9248% | 2,639 |
| Net loans and leases to total assets | 64.5338% | 4,490 |
| Net loans and leases to deposits | 78.4216% | 4,293 |
| Net loans and leases to core deposits | 96.2495% | 4,439 |
| Total domestic deposits to total assets | 82.2909% | 4,821 |
| Equity capital to assets | 8.4211% | 6,028 |
| Core capital (leverage) ratio | 8.3785% | 5,478 |
| Tier 1 risk-based capital ratio | 12.3580% | 4,634 |
| Total risk-based capital ratio | 13.4956% | 4,687 |
| Memoranda: | ||
| Average total assets | $470,471,000 | 1,477 |
| Average earning assets | $445,376,400 | 1,416 |
| Average equity | $39,732,800 | 1,687 |
| Average total loans | $318,702,800 | 1,507 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6290% | 3,698 |
| Cost of funding earning assets | 2.2762% | 2,086 |
| Net interest margin | 3.3528% | 5,433 |
| Noninterest income to average assets | 0.3739% | 5,525 |
| Noninterest expense to average assets | 2.8152% | 4,827 |
| Loan and lease loss provision to assets | 0.4659% | 3,574 |
| Net operating income to assets | 0.1701% | 5,250 |
| Return on assets (ROA) | 0.2096% | 5,201 |
| Pretax return on assets | 0.3315% | 4,980 |
| Return on Equity (ROE) | 2.4800% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.4800% | 3,938 |
| Net charge-offs to loans | 0.9078% | 2,156 |
| Credit loss provision to net charge-offs | 75.0577% | 5,880 |
| Earnings coverage of net charge-offs (x) | 1.1852% | 4,880 |
| Efficiency ratio | 78.7387% | 3,046 |
| Assets per employee ($millions) | 6.9315% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 6,035 |
| Loan loss allowance to noncurrent loans | 45.3091% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 1.7510% | 3,731 |
| Noncurrent loans to loans | 2.3067% | 3,256 |
| Net loans and leases to total assets | 64.6471% | 4,724 |
| Net loans and leases to deposits | 79.4821% | 4,483 |
| Net loans and leases to core deposits | 100.7264% | 4,290 |
| Total domestic deposits to total assets | 81.3354% | 4,946 |
| Equity capital to assets | 8.3717% | 6,416 |
| Core capital (leverage) ratio | 8.2633% | 5,897 |
| Tier 1 risk-based capital ratio | 12.0667% | 4,911 |
| Total risk-based capital ratio | 13.0650% | 5,083 |
| Memoranda: | ||
| Average total assets | $464,989,750 | 1,501 |
| Average earning assets | $440,611,250 | 1,444 |
| Average equity | $39,299,750 | 1,731 |
| Average total loans | $317,989,000 | 1,530 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 3,497 |
| Cost of funding earning assets | 2.4986% | 1,615 |
| Net interest margin | 3.2085% | 5,886 |
| Noninterest income to average assets | 0.2160% | 6,756 |
| Noninterest expense to average assets | 2.8286% | 4,832 |
| Loan and lease loss provision to assets | 0.2619% | 4,479 |
| Net operating income to assets | 0.1046% | 5,551 |
| Return on assets (ROA) | 0.1231% | 5,601 |
| Pretax return on assets | 0.1899% | 5,495 |
| Return on Equity (ROE) | 1.4514% | 5,477 |
| Retained earnings to average equity (ytd only) | 1.4514% | 4,521 |
| Net charge-offs to loans | 0.5944% | 2,558 |
| Credit loss provision to net charge-offs | 63.4249% | 5,534 |
| Earnings coverage of net charge-offs (x) | 1.0254% | 4,763 |
| Efficiency ratio | 86.4314% | 2,185 |
| Assets per employee ($millions) | 6.7325% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,690 |
| Loan loss allowance to noncurrent loans | 49.4640% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.7309% | 3,589 |
| Noncurrent loans to loans | 2.1972% | 3,261 |
| Net loans and leases to total assets | 66.7711% | 4,405 |
| Net loans and leases to deposits | 83.2684% | 4,005 |
| Net loans and leases to core deposits | 102.5828% | 4,220 |
| Total domestic deposits to total assets | 80.1878% | 5,402 |
| Equity capital to assets | 8.3620% | 6,252 |
| Core capital (leverage) ratio | 8.2902% | 5,817 |
| Tier 1 risk-based capital ratio | 11.5006% | 5,378 |
| Total risk-based capital ratio | 12.5192% | 5,530 |
| Memoranda: | ||
| Average total assets | $458,250,330 | 1,547 |
| Average earning assets | $433,600,670 | 1,489 |
| Average equity | $38,859,670 | 1,753 |
| Average total loans | $318,323,330 | 1,560 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6871% | 3,870 |
| Cost of funding earning assets | 2.6370% | 1,460 |
| Net interest margin | 3.0501% | 6,337 |
| Noninterest income to average assets | 0.1677% | 7,106 |
| Noninterest expense to average assets | 2.6407% | 5,261 |
| Loan and lease loss provision to assets | 0.2676% | 3,819 |
| Net operating income to assets | 0.1026% | 5,975 |
| Return on assets (ROA) | 0.1008% | 6,145 |
| Pretax return on assets | 0.1481% | 6,056 |
| Return on Equity (ROE) | 1.1800% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.1800% | 5,164 |
| Net charge-offs to loans | 1.0274% | 1,311 |
| Credit loss provision to net charge-offs | 36.9458% | 4,853 |
| Earnings coverage of net charge-offs (x) | 0.5776% | 4,532 |
| Efficiency ratio | 85.7976% | 2,093 |
| Assets per employee ($millions) | 6.8036% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 5,791 |
| Loan loss allowance to noncurrent loans | 84.0252% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.0996% | 4,487 |
| Noncurrent loans to loans | 1.2542% | 4,464 |
| Net loans and leases to total assets | 66.8022% | 4,387 |
| Net loans and leases to deposits | 83.5957% | 4,043 |
| Net loans and leases to core deposits | 102.0514% | 4,341 |
| Total domestic deposits to total assets | 79.9110% | 5,400 |
| Equity capital to assets | 8.4197% | 6,202 |
| Core capital (leverage) ratio | 8.2805% | 5,941 |
| Tier 1 risk-based capital ratio | 11.5987% | 5,305 |
| Total risk-based capital ratio | 12.5977% | 5,457 |
| Memoranda: | ||
| Average total assets | $448,371,000 | 1,583 |
| Average earning assets | $425,035,500 | 1,534 |
| Average equity | $38,304,000 | 1,779 |
| Average total loans | $316,145,500 | 1,586 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1320% | 4,883 |
| Cost of funding earning assets | 3.2681% | 1,007 |
| Net interest margin | 2.8639% | 7,226 |
| Noninterest income to average assets | 0.2138% | 6,908 |
| Noninterest expense to average assets | 2.8568% | 4,575 |
| Loan and lease loss provision to assets | 0.4647% | 2,976 |
| Net operating income to assets | -0.0082% | 6,382 |
| Return on assets (ROA) | 0.0469% | 6,099 |
| Pretax return on assets | -0.3064% | 6,471 |
| Return on Equity (ROE) | 0.5595% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.5595% | 4,904 |
| Net charge-offs to loans | 0.2916% | 3,454 |
| Credit loss provision to net charge-offs | 215.8257% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.3349% | 6,029 |
| Efficiency ratio | 96.6363% | 1,115 |
| Assets per employee ($millions) | 5.8534% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 4,364 |
| Loan loss allowance to noncurrent loans | 289.4816% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 6,315 |
| Noncurrent loans to loans | 0.4221% | 6,078 |
| Net loans and leases to total assets | 72.8998% | 3,383 |
| Net loans and leases to deposits | 98.3475% | 2,077 |
| Net loans and leases to core deposits | 122.9663% | 2,402 |
| Total domestic deposits to total assets | 74.1247% | 6,638 |
| Equity capital to assets | 8.6783% | 5,842 |
| Core capital (leverage) ratio | 8.6238% | 5,337 |
| Tier 1 risk-based capital ratio | 11.2930% | 5,450 |
| Total risk-based capital ratio | 12.4748% | 5,398 |
| Memoranda: | ||
| Average total assets | $404,999,600 | 1,681 |
| Average earning assets | $383,950,800 | 1,622 |
| Average equity | $33,959,000 | 1,995 |
| Average total loans | $298,999,200 | 1,616 |