Home > Cornerstone Community Bank > Performance and Condition Ratios
Cornerstone Community Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 1,969 |
| Cost of funding earning assets | 0.2804% | 4,383 |
| Net interest margin | 4.0674% | 1,430 |
| Noninterest income to average assets | 0.3432% | 4,275 |
| Noninterest expense to average assets | 2.5521% | 3,901 |
| Loan and lease loss provision to assets | 0.2095% | 929 |
| Net operating income to assets | 0.8991% | 2,759 |
| Return on assets (ROA) | 0.8991% | 2,888 |
| Pretax return on assets | 1.2970% | 2,316 |
| Return on Equity (ROE) | 7.9155% | 2,963 |
| Retained earnings to average equity (ytd only) | 7.4899% | 1,666 |
| Net charge-offs to loans | 0.1790% | 1,078 |
| Credit loss provision to net charge-offs | 151.1628% | 1,268 |
| Earnings coverage of net charge-offs (x) | 10.8721% | 1,900 |
| Efficiency ratio | 62.8821% | 4,315 |
| Assets per employee ($millions) | 5.8957% | 1,488 |
| Cash dividends to net income (ytd only)* | 5.3763% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,496 |
| Loan loss allowance to noncurrent loans | 66.6326% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 1,851 |
| Noncurrent loans to loans | 1.5292% | 1,532 |
| Net loans and leases to total assets | 76.7726% | 1,283 |
| Net loans and leases to deposits | 91.7101% | 1,387 |
| Net loans and leases to core deposits | 93.3548% | 2,062 |
| Total domestic deposits to total assets | 83.7122% | 3,631 |
| Equity capital to assets | 11.5289% | 2,418 |
| Core capital (leverage) ratio | 10.3112% | 3,182 |
| Tier 1 risk-based capital ratio | 11.6499% | 5,135 |
| Total risk-based capital ratio | 12.5406% | 5,253 |
| Memoranda: | ||
| Average total assets | $248,261,500 | 2,557 |
| Average earning assets | $226,778,500 | 2,576 |
| Average equity | $28,198,000 | 2,512 |
| Average total loans | $192,135,500 | 2,187 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 3,377 |
| Cost of funding earning assets | 0.2523% | 4,761 |
| Net interest margin | 3.7284% | 2,653 |
| Noninterest income to average assets | 0.3750% | 4,225 |
| Noninterest expense to average assets | 2.8185% | 3,156 |
| Loan and lease loss provision to assets | 0.0552% | 3,209 |
| Net operating income to assets | 0.6331% | 4,122 |
| Return on assets (ROA) | 0.6852% | 3,984 |
| Pretax return on assets | 0.9527% | 3,641 |
| Return on Equity (ROE) | 6.0539% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.3595% | 2,166 |
| Net charge-offs to loans | 0.0197% | 3,874 |
| Credit loss provision to net charge-offs | 377.1429% | 792 |
| Earnings coverage of net charge-offs (x) | 63.9429% | 836 |
| Efficiency ratio | 75.0780% | 2,416 |
| Assets per employee ($millions) | 5.6569% | 1,650 |
| Cash dividends to net income (ytd only)* | 11.4704% | 4,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 4,647 |
| Loan loss allowance to noncurrent loans | 74.0612% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 1,993 |
| Noncurrent loans to loans | 1.3438% | 1,750 |
| Net loans and leases to total assets | 76.4542% | 1,337 |
| Net loans and leases to deposits | 95.5234% | 1,065 |
| Net loans and leases to core deposits | 97.3137% | 1,730 |
| Total domestic deposits to total assets | 80.0371% | 4,734 |
| Equity capital to assets | 11.1883% | 2,642 |
| Core capital (leverage) ratio | 10.2199% | 3,241 |
| Tier 1 risk-based capital ratio | 11.1408% | 5,445 |
| Total risk-based capital ratio | 12.0002% | 5,563 |
| Memoranda: | ||
| Average total assets | $239,203,600 | 2,585 |
| Average earning assets | $216,792,800 | 2,615 |
| Average equity | $27,073,400 | 2,542 |
| Average total loans | $178,012,200 | 2,263 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,519 |
| Cost of funding earning assets | 0.2489% | 4,892 |
| Net interest margin | 3.7073% | 2,737 |
| Noninterest income to average assets | 0.3716% | 4,274 |
| Noninterest expense to average assets | 2.8217% | 3,102 |
| Loan and lease loss provision to assets | 0.0557% | 3,081 |
| Net operating income to assets | 0.6118% | 4,321 |
| Return on assets (ROA) | 0.6819% | 4,098 |
| Pretax return on assets | 0.9460% | 3,831 |
| Return on Equity (ROE) | 6.0069% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.7340% | 2,416 |
| Net charge-offs to loans | -0.0122% | 5,054 |
| Credit loss provision to net charge-offs | -618.7500% | 5,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7292% | 2,281 |
| Assets per employee ($millions) | 5.0654% | 2,219 |
| Cash dividends to net income (ytd only)* | 4.5416% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 4,501 |
| Loan loss allowance to noncurrent loans | 67.8258% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 2,023 |
| Noncurrent loans to loans | 1.5399% | 1,621 |
| Net loans and leases to total assets | 75.2459% | 1,503 |
| Net loans and leases to deposits | 88.9252% | 1,778 |
| Net loans and leases to core deposits | 90.5166% | 2,415 |
| Total domestic deposits to total assets | 84.6171% | 3,167 |
| Equity capital to assets | 11.3038% | 2,693 |
| Core capital (leverage) ratio | 10.2793% | 3,274 |
| Tier 1 risk-based capital ratio | 11.3095% | 5,482 |
| Total risk-based capital ratio | 12.2089% | 5,585 |
| Memoranda: | ||
| Average total assets | $236,779,000 | 2,618 |
| Average earning assets | $214,237,500 | 2,657 |
| Average equity | $26,879,750 | 2,571 |
| Average total loans | $174,463,000 | 2,316 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 3,679 |
| Cost of funding earning assets | 0.2474% | 4,970 |
| Net interest margin | 3.6548% | 2,895 |
| Noninterest income to average assets | 0.3767% | 4,254 |
| Noninterest expense to average assets | 2.8714% | 2,994 |
| Loan and lease loss provision to assets | 0.0563% | 2,979 |
| Net operating income to assets | 0.5418% | 4,594 |
| Return on assets (ROA) | 0.6495% | 4,233 |
| Pretax return on assets | 0.8958% | 3,973 |
| Return on Equity (ROE) | 5.7125% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.3751% | 2,618 |
| Net charge-offs to loans | 0.0140% | 3,439 |
| Credit loss provision to net charge-offs | 550.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 713 |
| Efficiency ratio | 78.1127% | 2,054 |
| Assets per employee ($millions) | 5.2310% | 2,008 |
| Cash dividends to net income (ytd only)* | 5.9055% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 4,608 |
| Loan loss allowance to noncurrent loans | 67.3999% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.2837% | 1,963 |
| Noncurrent loans to loans | 1.5572% | 1,697 |
| Net loans and leases to total assets | 73.2279% | 1,783 |
| Net loans and leases to deposits | 85.5538% | 2,098 |
| Net loans and leases to core deposits | 87.1904% | 2,642 |
| Total domestic deposits to total assets | 85.5929% | 2,881 |
| Equity capital to assets | 11.1323% | 2,739 |
| Core capital (leverage) ratio | 10.2207% | 3,309 |
| Tier 1 risk-based capital ratio | 11.5894% | 5,409 |
| Total risk-based capital ratio | 12.5055% | 5,523 |
| Memoranda: | ||
| Average total assets | $234,658,670 | 2,666 |
| Average earning assets | $211,833,670 | 2,694 |
| Average equity | $26,678,330 | 2,593 |
| Average total loans | $170,989,330 | 2,364 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 3,575 |
| Cost of funding earning assets | 0.2511% | 5,010 |
| Net interest margin | 3.6554% | 2,791 |
| Noninterest income to average assets | 0.3764% | 4,192 |
| Noninterest expense to average assets | 2.9455% | 2,756 |
| Loan and lease loss provision to assets | 0.0570% | 2,790 |
| Net operating income to assets | 0.4900% | 4,736 |
| Return on assets (ROA) | 0.5732% | 4,498 |
| Pretax return on assets | 0.7804% | 4,313 |
| Return on Equity (ROE) | 4.9880% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.9880% | 3,059 |
| Net charge-offs to loans | -0.1386% | 5,954 |
| Credit loss provision to net charge-offs | -56.8966% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2824% | 1,866 |
| Assets per employee ($millions) | 4.5783% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 4,538 |
| Loan loss allowance to noncurrent loans | 51.6942% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.6823% | 1,497 |
| Noncurrent loans to loans | 2.1214% | 1,214 |
| Net loans and leases to total assets | 72.2433% | 1,769 |
| Net loans and leases to deposits | 86.5441% | 1,768 |
| Net loans and leases to core deposits | 88.1461% | 2,314 |
| Total domestic deposits to total assets | 83.4758% | 4,013 |
| Equity capital to assets | 11.2913% | 2,658 |
| Core capital (leverage) ratio | 10.1980% | 3,343 |
| Tier 1 risk-based capital ratio | 11.5701% | 5,512 |
| Total risk-based capital ratio | 12.5259% | 5,586 |
| Memoranda: | ||
| Average total assets | $231,676,000 | 2,708 |
| Average earning assets | $208,678,000 | 2,744 |
| Average equity | $26,624,000 | 2,617 |
| Average total loans | $167,447,500 | 2,404 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 3,657 |
| Cost of funding earning assets | 0.2803% | 4,999 |
| Net interest margin | 3.7390% | 2,850 |
| Noninterest income to average assets | 0.3737% | 4,396 |
| Noninterest expense to average assets | 2.9420% | 3,026 |
| Loan and lease loss provision to assets | 0.0487% | 3,598 |
| Net operating income to assets | 0.5326% | 4,671 |
| Return on assets (ROA) | 0.5494% | 4,688 |
| Pretax return on assets | 0.7549% | 4,423 |
| Return on Equity (ROE) | 4.8305% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.2735% | 3,900 |
| Net charge-offs to loans | 0.3499% | 1,254 |
| Credit loss provision to net charge-offs | 19.9637% | 3,973 |
| Earnings coverage of net charge-offs (x) | 3.1996% | 3,946 |
| Efficiency ratio | 79.0319% | 2,061 |
| Assets per employee ($millions) | 4.2506% | 3,452 |
| Cash dividends to net income (ytd only)* | 32.2321% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 4,399 |
| Loan loss allowance to noncurrent loans | 61.2555% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 1,929 |
| Noncurrent loans to loans | 1.8404% | 1,551 |
| Net loans and leases to total assets | 70.6596% | 2,134 |
| Net loans and leases to deposits | 85.0492% | 2,092 |
| Net loans and leases to core deposits | 86.7081% | 2,629 |
| Total domestic deposits to total assets | 83.0808% | 4,048 |
| Equity capital to assets | 11.7039% | 2,253 |
| Core capital (leverage) ratio | 10.5447% | 2,902 |
| Tier 1 risk-based capital ratio | 12.7421% | 4,896 |
| Total risk-based capital ratio | 13.7503% | 4,954 |
| Memoranda: | ||
| Average total assets | $225,863,000 | 2,729 |
| Average earning assets | $202,298,400 | 2,782 |
| Average equity | $25,691,000 | 2,594 |
| Average total loans | $157,458,800 | 2,461 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 3,474 |
| Cost of funding earning assets | 0.2887% | 5,006 |
| Net interest margin | 3.7857% | 2,670 |
| Noninterest income to average assets | 0.4082% | 4,177 |
| Noninterest expense to average assets | 2.9332% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6165% | 4,369 |
| Return on assets (ROA) | 0.6383% | 4,364 |
| Pretax return on assets | 0.8943% | 4,013 |
| Return on Equity (ROE) | 5.6525% | 4,421 |
| Retained earnings to average equity (ytd only) | 3.5628% | 4,112 |
| Net charge-offs to loans | 0.3312% | 1,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.7635% | 3,597 |
| Efficiency ratio | 77.2530% | 2,315 |
| Assets per employee ($millions) | 4.0954% | 3,679 |
| Cash dividends to net income (ytd only)* | 36.9686% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 4,038 |
| Loan loss allowance to noncurrent loans | 70.8539% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5636% | 1,958 |
| Noncurrent loans to loans | 1.7460% | 1,857 |
| Net loans and leases to total assets | 67.3960% | 2,629 |
| Net loans and leases to deposits | 76.9945% | 3,070 |
| Net loans and leases to core deposits | 78.4952% | 3,491 |
| Total domestic deposits to total assets | 87.5336% | 2,015 |
| Equity capital to assets | 11.7809% | 2,237 |
| Core capital (leverage) ratio | 10.4991% | 3,042 |
| Tier 1 risk-based capital ratio | 13.5968% | 4,477 |
| Total risk-based capital ratio | 14.7085% | 4,513 |
| Memoranda: | ||
| Average total assets | $226,008,000 | 2,752 |
| Average earning assets | $202,299,250 | 2,801 |
| Average equity | $25,522,000 | 2,623 |
| Average total loans | $156,573,750 | 2,485 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,398 |
| Cost of funding earning assets | 0.2985% | 4,983 |
| Net interest margin | 3.7892% | 2,604 |
| Noninterest income to average assets | 0.4384% | 3,965 |
| Noninterest expense to average assets | 2.9083% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6548% | 4,070 |
| Return on assets (ROA) | 0.6467% | 4,221 |
| Pretax return on assets | 0.9094% | 3,851 |
| Return on Equity (ROE) | 5.8079% | 4,267 |
| Retained earnings to average equity (ytd only) | 4.6242% | 3,214 |
| Net charge-offs to loans | 0.1123% | 2,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.7753% | 2,120 |
| Efficiency ratio | 75.9523% | 2,646 |
| Assets per employee ($millions) | 4.1904% | 3,474 |
| Cash dividends to net income (ytd only)* | 20.3804% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 3,392 |
| Loan loss allowance to noncurrent loans | 47.0167% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 2.5692% | 1,077 |
| Noncurrent loans to loans | 2.9622% | 993 |
| Net loans and leases to total assets | 69.0832% | 2,228 |
| Net loans and leases to deposits | 78.8607% | 2,681 |
| Net loans and leases to core deposits | 80.3882% | 3,167 |
| Total domestic deposits to total assets | 87.6016% | 2,147 |
| Equity capital to assets | 11.6861% | 2,251 |
| Core capital (leverage) ratio | 10.2490% | 3,269 |
| Tier 1 risk-based capital ratio | 13.0915% | 4,861 |
| Total risk-based capital ratio | 14.3417% | 4,794 |
| Memoranda: | ||
| Average total assets | $227,626,000 | 2,754 |
| Average earning assets | $203,684,670 | 2,797 |
| Average equity | $25,344,670 | 2,626 |
| Average total loans | $158,459,670 | 2,469 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,485 |
| Cost of funding earning assets | 0.3145% | 4,923 |
| Net interest margin | 3.7334% | 2,734 |
| Noninterest income to average assets | 0.4531% | 3,763 |
| Noninterest expense to average assets | 2.8786% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6511% | 3,949 |
| Return on assets (ROA) | 0.6511% | 4,044 |
| Pretax return on assets | 0.9132% | 3,652 |
| Return on Equity (ROE) | 5.9904% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.9904% | 2,550 |
| Net charge-offs to loans | -0.0375% | 5,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9158% | 2,819 |
| Assets per employee ($millions) | 4.3871% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,477 |
| Loan loss allowance to noncurrent loans | 53.5361% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 2.4469% | 1,314 |
| Noncurrent loans to loans | 2.6655% | 1,275 |
| Net loans and leases to total assets | 68.7664% | 2,098 |
| Net loans and leases to deposits | 77.9822% | 2,562 |
| Net loans and leases to core deposits | 79.6054% | 3,020 |
| Total domestic deposits to total assets | 88.1821% | 2,123 |
| Equity capital to assets | 11.1450% | 2,579 |
| Core capital (leverage) ratio | 9.9599% | 3,620 |
| Tier 1 risk-based capital ratio | 12.7761% | 5,141 |
| Total risk-based capital ratio | 14.0266% | 5,079 |
| Memoranda: | ||
| Average total assets | $230,392,500 | 2,743 |
| Average earning assets | $206,032,000 | 2,788 |
| Average equity | $25,040,000 | 2,639 |
| Average total loans | $159,891,500 | 2,459 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,862 |
| Cost of funding earning assets | 0.4228% | 4,404 |
| Net interest margin | 3.6429% | 3,273 |
| Noninterest income to average assets | 0.3544% | 4,776 |
| Noninterest expense to average assets | 2.8483% | 3,536 |
| Loan and lease loss provision to assets | 0.0626% | 3,883 |
| Net operating income to assets | 0.4976% | 4,744 |
| Return on assets (ROA) | 0.5335% | 4,709 |
| Pretax return on assets | 0.7355% | 4,400 |
| Return on Equity (ROE) | 5.0437% | 4,608 |
| Retained earnings to average equity (ytd only) | 5.0437% | 2,567 |
| Net charge-offs to loans | 0.1799% | 3,024 |
| Credit loss provision to net charge-offs | 50.3472% | 3,803 |
| Earnings coverage of net charge-offs (x) | 6.0243% | 3,148 |
| Efficiency ratio | 79.1817% | 2,288 |
| Assets per employee ($millions) | 4.4742% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 3,637 |
| Loan loss allowance to noncurrent loans | 69.5652% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 1,683 |
| Noncurrent loans to loans | 2.0189% | 1,968 |
| Net loans and leases to total assets | 68.0748% | 2,349 |
| Net loans and leases to deposits | 76.6888% | 2,897 |
| Net loans and leases to core deposits | 78.3547% | 3,315 |
| Total domestic deposits to total assets | 88.7675% | 1,768 |
| Equity capital to assets | 10.5972% | 3,051 |
| Core capital (leverage) ratio | 9.3498% | 4,477 |
| Tier 1 risk-based capital ratio | 12.3296% | 5,406 |
| Total risk-based capital ratio | 13.5801% | 5,335 |
| Memoranda: | ||
| Average total assets | $231,678,800 | 2,706 |
| Average earning assets | $206,237,000 | 2,764 |
| Average equity | $24,505,600 | 2,679 |
| Average total loans | $160,107,200 | 2,421 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,923 |
| Cost of funding earning assets | 0.4302% | 4,505 |
| Net interest margin | 3.6228% | 3,347 |
| Noninterest income to average assets | 0.3756% | 4,703 |
| Noninterest expense to average assets | 2.8471% | 3,498 |
| Loan and lease loss provision to assets | 0.0576% | 3,899 |
| Net operating income to assets | 0.5000% | 4,793 |
| Return on assets (ROA) | 0.5473% | 4,736 |
| Pretax return on assets | 0.7582% | 4,464 |
| Return on Equity (ROE) | 5.1767% | 4,638 |
| Retained earnings to average equity (ytd only) | 5.1767% | 2,951 |
| Net charge-offs to loans | 0.2334% | 2,406 |
| Credit loss provision to net charge-offs | 35.7143% | 3,792 |
| Earnings coverage of net charge-offs (x) | 4.6501% | 3,386 |
| Efficiency ratio | 79.1480% | 2,243 |
| Assets per employee ($millions) | 4.3858% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 3,883 |
| Loan loss allowance to noncurrent loans | 67.5084% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 2.1148% | 1,890 |
| Noncurrent loans to loans | 2.0781% | 2,155 |
| Net loans and leases to total assets | 68.3817% | 2,244 |
| Net loans and leases to deposits | 77.1622% | 2,801 |
| Net loans and leases to core deposits | 78.5631% | 3,288 |
| Total domestic deposits to total assets | 88.6207% | 1,771 |
| Equity capital to assets | 10.7720% | 2,986 |
| Core capital (leverage) ratio | 9.4989% | 4,408 |
| Tier 1 risk-based capital ratio | 12.4330% | 5,497 |
| Total risk-based capital ratio | 13.6837% | 5,430 |
| Memoranda: | ||
| Average total assets | $231,434,500 | 2,715 |
| Average earning assets | $205,800,250 | 2,797 |
| Average equity | $24,468,250 | 2,711 |
| Average total loans | $159,975,000 | 2,443 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0426% | 3,951 |
| Cost of funding earning assets | 0.4457% | 4,475 |
| Net interest margin | 3.5969% | 3,373 |
| Noninterest income to average assets | 0.3965% | 4,550 |
| Noninterest expense to average assets | 2.8638% | 3,459 |
| Loan and lease loss provision to assets | 0.0860% | 3,365 |
| Net operating income to assets | 0.4665% | 4,944 |
| Return on assets (ROA) | 0.5186% | 4,889 |
| Pretax return on assets | 0.7104% | 4,653 |
| Return on Equity (ROE) | 4.9355% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.9355% | 3,092 |
| Net charge-offs to loans | 0.2192% | 2,431 |
| Credit loss provision to net charge-offs | 56.8182% | 3,075 |
| Earnings coverage of net charge-offs (x) | 4.7898% | 3,033 |
| Efficiency ratio | 79.7987% | 2,188 |
| Assets per employee ($millions) | 4.4290% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 3,807 |
| Loan loss allowance to noncurrent loans | 52.0619% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.8110% | 1,467 |
| Noncurrent loans to loans | 2.7859% | 1,630 |
| Net loans and leases to total assets | 68.5328% | 2,142 |
| Net loans and leases to deposits | 77.0964% | 2,711 |
| Net loans and leases to core deposits | 78.4584% | 3,231 |
| Total domestic deposits to total assets | 88.8924% | 1,690 |
| Equity capital to assets | 10.4767% | 3,336 |
| Core capital (leverage) ratio | 9.1734% | 4,729 |
| Tier 1 risk-based capital ratio | 12.1671% | 5,703 |
| Total risk-based capital ratio | 13.4186% | 5,642 |
| Memoranda: | ||
| Average total assets | $232,558,000 | 2,718 |
| Average earning assets | $206,399,670 | 2,794 |
| Average equity | $24,435,330 | 2,725 |
| Average total loans | $160,575,670 | 2,432 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 3,656 |
| Cost of funding earning assets | 0.4714% | 4,356 |
| Net interest margin | 3.6453% | 3,088 |
| Noninterest income to average assets | 0.4108% | 4,380 |
| Noninterest expense to average assets | 2.9681% | 3,088 |
| Loan and lease loss provision to assets | 0.0856% | 3,235 |
| Net operating income to assets | 0.4485% | 4,917 |
| Return on assets (ROA) | 0.4485% | 5,078 |
| Pretax return on assets | 0.5871% | 4,995 |
| Return on Equity (ROE) | 4.2622% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.2622% | 3,672 |
| Net charge-offs to loans | 0.0746% | 3,101 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 13.1000% | 1,550 |
| Efficiency ratio | 81.5233% | 2,111 |
| Assets per employee ($millions) | 4.4196% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 3,772 |
| Loan loss allowance to noncurrent loans | 29.8311% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 5.0744% | 716 |
| Noncurrent loans to loans | 5.0677% | 743 |
| Net loans and leases to total assets | 68.5725% | 1,911 |
| Net loans and leases to deposits | 77.3096% | 2,447 |
| Net loans and leases to core deposits | 78.4631% | 2,997 |
| Total domestic deposits to total assets | 88.6986% | 1,870 |
| Equity capital to assets | 10.7231% | 3,293 |
| Core capital (leverage) ratio | 8.7907% | 5,201 |
| Tier 1 risk-based capital ratio | 11.7719% | 6,048 |
| Total risk-based capital ratio | 13.0236% | 6,023 |
| Memoranda: | ||
| Average total assets | $233,682,000 | 2,739 |
| Average earning assets | $207,059,000 | 2,822 |
| Average equity | $24,588,500 | 2,746 |
| Average total loans | $160,783,000 | 2,439 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 4,500 |
| Cost of funding earning assets | 0.7164% | 3,357 |
| Net interest margin | 3.5061% | 4,480 |
| Noninterest income to average assets | 0.2670% | 5,549 |
| Noninterest expense to average assets | 3.0870% | 2,967 |
| Loan and lease loss provision to assets | 0.0151% | 5,715 |
| Net operating income to assets | 0.2398% | 5,666 |
| Return on assets (ROA) | 0.3214% | 5,605 |
| Pretax return on assets | 0.3758% | 5,639 |
| Return on Equity (ROE) | 3.2588% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.2588% | 3,934 |
| Net charge-offs to loans | 1.1074% | 951 |
| Credit loss provision to net charge-offs | 1.9546% | 5,469 |
| Earnings coverage of net charge-offs (x) | 0.3825% | 5,292 |
| Efficiency ratio | 91.1278% | 979 |
| Assets per employee ($millions) | 4.4819% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 3,808 |
| Loan loss allowance to noncurrent loans | 28.8654% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 5.2639% | 723 |
| Noncurrent loans to loans | 5.1444% | 756 |
| Net loans and leases to total assets | 67.0001% | 2,363 |
| Net loans and leases to deposits | 76.5933% | 2,704 |
| Net loans and leases to core deposits | 77.5268% | 3,330 |
| Total domestic deposits to total assets | 87.4751% | 2,543 |
| Equity capital to assets | 10.3278% | 3,721 |
| Core capital (leverage) ratio | 8.3566% | 5,817 |
| Tier 1 risk-based capital ratio | 11.6212% | 6,020 |
| Total risk-based capital ratio | 12.8733% | 5,980 |
| Memoranda: | ||
| Average total assets | $244,538,800 | 2,579 |
| Average earning assets | $217,335,000 | 2,637 |
| Average equity | $24,119,000 | 2,738 |
| Average total loans | $170,947,200 | 2,301 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 4,669 |
| Cost of funding earning assets | 0.7724% | 3,169 |
| Net interest margin | 3.4718% | 4,747 |
| Noninterest income to average assets | 0.2642% | 5,665 |
| Noninterest expense to average assets | 3.0365% | 3,106 |
| Loan and lease loss provision to assets | 0.0682% | 4,829 |
| Net operating income to assets | 0.2210% | 5,861 |
| Return on assets (ROA) | 0.2956% | 5,829 |
| Pretax return on assets | 0.3302% | 5,896 |
| Return on Equity (ROE) | 3.0313% | 5,667 |
| Retained earnings to average equity (ytd only) | 3.0313% | 4,732 |
| Net charge-offs to loans | 0.8994% | 1,211 |
| Credit loss provision to net charge-offs | 10.7784% | 5,066 |
| Earnings coverage of net charge-offs (x) | 0.4987% | 5,072 |
| Efficiency ratio | 90.4231% | 1,007 |
| Assets per employee ($millions) | 4.5090% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 2,492 |
| Loan loss allowance to noncurrent loans | 29.9823% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 5.9843% | 666 |
| Noncurrent loans to loans | 6.3231% | 619 |
| Net loans and leases to total assets | 68.2643% | 2,252 |
| Net loans and leases to deposits | 77.7340% | 2,699 |
| Net loans and leases to core deposits | 78.7076% | 3,363 |
| Total domestic deposits to total assets | 87.8178% | 2,162 |
| Equity capital to assets | 10.0556% | 4,414 |
| Core capital (leverage) ratio | 8.1568% | 6,183 |
| Tier 1 risk-based capital ratio | 11.3073% | 6,354 |
| Total risk-based capital ratio | 12.5645% | 6,311 |
| Memoranda: | ||
| Average total assets | $246,287,750 | 2,591 |
| Average earning assets | $219,053,500 | 2,652 |
| Average equity | $24,015,500 | 2,776 |
| Average total loans | $173,295,750 | 2,308 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 4,752 |
| Cost of funding earning assets | 0.8334% | 2,923 |
| Net interest margin | 3.4191% | 5,007 |
| Noninterest income to average assets | 0.3285% | 5,199 |
| Noninterest expense to average assets | 3.0709% | 3,014 |
| Loan and lease loss provision to assets | 0.1019% | 4,248 |
| Net operating income to assets | 0.1786% | 5,984 |
| Return on assets (ROA) | 0.2912% | 5,855 |
| Pretax return on assets | 0.3196% | 5,926 |
| Return on Equity (ROE) | 3.0177% | 5,689 |
| Retained earnings to average equity (ytd only) | 3.0177% | 4,634 |
| Net charge-offs to loans | 0.6851% | 1,616 |
| Credit loss provision to net charge-offs | 21.0702% | 4,585 |
| Earnings coverage of net charge-offs (x) | 0.6154% | 4,757 |
| Efficiency ratio | 90.9942% | 996 |
| Assets per employee ($millions) | 4.6236% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2164% | 1,734 |
| Loan loss allowance to noncurrent loans | 64.5673% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 3.9556% | 1,305 |
| Noncurrent loans to loans | 3.4327% | 1,686 |
| Net loans and leases to total assets | 66.8464% | 2,497 |
| Net loans and leases to deposits | 75.6897% | 3,032 |
| Net loans and leases to core deposits | 76.6945% | 3,694 |
| Total domestic deposits to total assets | 88.3164% | 1,949 |
| Equity capital to assets | 9.6378% | 4,851 |
| Core capital (leverage) ratio | 8.0001% | 6,277 |
| Tier 1 risk-based capital ratio | 11.3570% | 6,307 |
| Total risk-based capital ratio | 12.6217% | 6,273 |
| Memoranda: | ||
| Average total assets | $247,221,670 | 2,581 |
| Average earning assets | $219,825,670 | 2,651 |
| Average equity | $23,859,330 | 2,784 |
| Average total loans | $174,585,670 | 2,300 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 4,269 |
| Cost of funding earning assets | 0.8814% | 2,827 |
| Net interest margin | 3.5330% | 4,559 |
| Noninterest income to average assets | 0.3398% | 5,139 |
| Noninterest expense to average assets | 3.1724% | 2,690 |
| Loan and lease loss provision to assets | 0.2049% | 2,907 |
| Net operating income to assets | 0.1122% | 6,214 |
| Return on assets (ROA) | 0.2358% | 6,016 |
| Pretax return on assets | 0.2211% | 6,154 |
| Return on Equity (ROE) | 2.4413% | 5,924 |
| Retained earnings to average equity (ytd only) | 2.4413% | 5,038 |
| Net charge-offs to loans | 0.0476% | 4,040 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 8.8571% | 1,910 |
| Efficiency ratio | 91.0622% | 1,014 |
| Assets per employee ($millions) | 4.6051% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4864% | 1,378 |
| Loan loss allowance to noncurrent loans | 57.5350% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 4.7748% | 1,103 |
| Noncurrent loans to loans | 4.3215% | 1,380 |
| Net loans and leases to total assets | 70.0592% | 1,741 |
| Net loans and leases to deposits | 79.4616% | 2,278 |
| Net loans and leases to core deposits | 80.9241% | 2,958 |
| Total domestic deposits to total assets | 88.1674% | 2,204 |
| Equity capital to assets | 9.7942% | 4,381 |
| Core capital (leverage) ratio | 8.0398% | 6,220 |
| Tier 1 risk-based capital ratio | 10.8690% | 6,593 |
| Total risk-based capital ratio | 12.1340% | 6,575 |
| Memoranda: | ||
| Average total assets | $245,995,500 | 2,597 |
| Average earning assets | $218,283,500 | 2,673 |
| Average equity | $23,757,500 | 2,790 |
| Average total loans | $176,538,000 | 2,282 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 4,019 |
| Cost of funding earning assets | 1.1076% | 2,618 |
| Net interest margin | 3.6445% | 4,546 |
| Noninterest income to average assets | 0.0517% | 6,828 |
| Noninterest expense to average assets | 2.9864% | 3,640 |
| Loan and lease loss provision to assets | 0.7497% | 1,346 |
| Net operating income to assets | -0.1652% | 6,219 |
| Return on assets (ROA) | -0.0890% | 6,230 |
| Pretax return on assets | -0.3325% | 6,374 |
| Return on Equity (ROE) | -1.0053% | 6,244 |
| Retained earnings to average equity (ytd only) | -1.0053% | 6,006 |
| Net charge-offs to loans | 1.4851% | 1,081 |
| Credit loss provision to net charge-offs | 68.6520% | 4,901 |
| Earnings coverage of net charge-offs (x) | 0.2731% | 5,627 |
| Efficiency ratio | 90.7122% | 1,137 |
| Assets per employee ($millions) | 4.2745% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3942% | 1,468 |
| Loan loss allowance to noncurrent loans | 45.7035% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 5.3138% | 973 |
| Noncurrent loans to loans | 5.2385% | 1,042 |
| Net loans and leases to total assets | 69.9688% | 2,035 |
| Net loans and leases to deposits | 79.1284% | 2,663 |
| Net loans and leases to core deposits | 80.7472% | 3,354 |
| Total domestic deposits to total assets | 88.4244% | 1,894 |
| Equity capital to assets | 9.5233% | 4,847 |
| Core capital (leverage) ratio | 7.6991% | 6,534 |
| Tier 1 risk-based capital ratio | 10.5446% | 6,666 |
| Total risk-based capital ratio | 11.8078% | 6,641 |
| Memoranda: | ||
| Average total assets | $262,888,600 | 2,402 |
| Average earning assets | $233,198,200 | 2,470 |
| Average equity | $23,276,600 | 2,750 |
| Average total loans | $193,315,000 | 2,100 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 4,070 |
| Cost of funding earning assets | 1.1326% | 2,754 |
| Net interest margin | 3.6555% | 4,546 |
| Noninterest income to average assets | 0.2785% | 5,620 |
| Noninterest expense to average assets | 2.9158% | 3,861 |
| Loan and lease loss provision to assets | 0.6261% | 1,562 |
| Net operating income to assets | 0.0295% | 6,114 |
| Return on assets (ROA) | 0.1860% | 5,866 |
| Pretax return on assets | 0.1340% | 6,040 |
| Return on Equity (ROE) | 2.1385% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.1385% | 5,065 |
| Net charge-offs to loans | 1.1270% | 1,407 |
| Credit loss provision to net charge-offs | 75.1050% | 4,311 |
| Earnings coverage of net charge-offs (x) | 0.7241% | 5,077 |
| Efficiency ratio | 82.6513% | 1,883 |
| Assets per employee ($millions) | 4.4734% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5318% | 1,351 |
| Loan loss allowance to noncurrent loans | 45.8148% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 5.9620% | 896 |
| Noncurrent loans to loans | 5.5261% | 1,071 |
| Net loans and leases to total assets | 71.5662% | 1,804 |
| Net loans and leases to deposits | 80.7320% | 2,562 |
| Net loans and leases to core deposits | 82.3448% | 3,273 |
| Total domestic deposits to total assets | 88.6466% | 1,660 |
| Equity capital to assets | 9.4352% | 5,191 |
| Core capital (leverage) ratio | 8.1422% | 6,222 |
| Tier 1 risk-based capital ratio | 10.7629% | 6,683 |
| Total risk-based capital ratio | 12.0272% | 6,655 |
| Memoranda: | ||
| Average total assets | $266,631,000 | 2,376 |
| Average earning assets | $236,388,500 | 2,445 |
| Average equity | $23,193,250 | 2,762 |
| Average total loans | $197,213,500 | 2,087 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 3,935 |
| Cost of funding earning assets | 1.1591% | 2,848 |
| Net interest margin | 3.6750% | 4,381 |
| Noninterest income to average assets | 0.1974% | 6,260 |
| Noninterest expense to average assets | 2.8161% | 4,361 |
| Loan and lease loss provision to assets | 0.7593% | 1,228 |
| Net operating income to assets | -0.0259% | 6,267 |
| Return on assets (ROA) | 0.1819% | 5,902 |
| Pretax return on assets | 0.0880% | 6,121 |
| Return on Equity (ROE) | 2.1480% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.1480% | 4,917 |
| Net charge-offs to loans | 1.3314% | 1,148 |
| Credit loss provision to net charge-offs | 76.9288% | 3,857 |
| Earnings coverage of net charge-offs (x) | 0.6479% | 4,815 |
| Efficiency ratio | 81.2794% | 2,208 |
| Assets per employee ($millions) | 4.5982% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5343% | 1,392 |
| Loan loss allowance to noncurrent loans | 41.2827% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 6.2315% | 882 |
| Noncurrent loans to loans | 6.1389% | 955 |
| Net loans and leases to total assets | 72.3918% | 1,706 |
| Net loans and leases to deposits | 81.3587% | 2,547 |
| Net loans and leases to core deposits | 82.8613% | 3,382 |
| Total domestic deposits to total assets | 88.9786% | 1,538 |
| Equity capital to assets | 9.1153% | 5,406 |
| Core capital (leverage) ratio | 7.8753% | 6,438 |
| Tier 1 risk-based capital ratio | 10.3189% | 6,865 |
| Total risk-based capital ratio | 11.5840% | 6,850 |
| Memoranda: | ||
| Average total assets | $270,514,000 | 2,361 |
| Average earning assets | $239,838,670 | 2,427 |
| Average equity | $22,905,000 | 2,771 |
| Average total loans | $200,544,330 | 2,079 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 4,275 |
| Cost of funding earning assets | 1.1790% | 2,954 |
| Net interest margin | 3.5762% | 4,680 |
| Noninterest income to average assets | -0.0289% | 7,336 |
| Noninterest expense to average assets | 2.9211% | 3,979 |
| Loan and lease loss provision to assets | 0.2585% | 3,073 |
| Net operating income to assets | -0.0373% | 6,395 |
| Return on assets (ROA) | 0.3509% | 5,253 |
| Pretax return on assets | 0.3668% | 5,449 |
| Return on Equity (ROE) | 4.2968% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.2968% | 3,594 |
| Net charge-offs to loans | 0.9864% | 1,370 |
| Credit loss provision to net charge-offs | 35.3755% | 4,032 |
| Earnings coverage of net charge-offs (x) | 0.3024% | 4,389 |
| Efficiency ratio | 92.7390% | 1,116 |
| Assets per employee ($millions) | 4.5622% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4146% | 1,586 |
| Loan loss allowance to noncurrent loans | 30.1844% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 7.6547% | 640 |
| Noncurrent loans to loans | 7.9995% | 626 |
| Net loans and leases to total assets | 73.7404% | 1,387 |
| Net loans and leases to deposits | 82.4365% | 2,286 |
| Net loans and leases to core deposits | 85.4338% | 2,966 |
| Total domestic deposits to total assets | 89.4512% | 1,507 |
| Equity capital to assets | 8.6434% | 5,725 |
| Core capital (leverage) ratio | 7.6652% | 6,585 |
| Tier 1 risk-based capital ratio | 10.0153% | 6,999 |
| Total risk-based capital ratio | 11.2768% | 6,989 |
| Memoranda: | ||
| Average total assets | $277,021,000 | 2,331 |
| Average earning assets | $245,622,000 | 2,393 |
| Average equity | $22,621,500 | 2,786 |
| Average total loans | $205,188,500 | 2,049 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 4,857 |
| Cost of funding earning assets | 1.6001% | 2,069 |
| Net interest margin | 3.3351% | 5,854 |
| Noninterest income to average assets | 0.0096% | 7,249 |
| Noninterest expense to average assets | 2.8123% | 4,553 |
| Loan and lease loss provision to assets | 3.0791% | 298 |
| Net operating income to assets | -1.7107% | 6,974 |
| Return on assets (ROA) | -1.6011% | 6,962 |
| Pretax return on assets | -2.7350% | 7,231 |
| Return on Equity (ROE) | -20.6767% | 7,050 |
| Retained earnings to average equity (ytd only) | -20.7181% | 7,023 |
| Net charge-offs to loans | 3.4589% | 419 |
| Credit loss provision to net charge-offs | 117.7148% | 3,623 |
| Earnings coverage of net charge-offs (x) | 0.0661% | 6,054 |
| Efficiency ratio | 93.9521% | 1,062 |
| Assets per employee ($millions) | 4.9902% | 2,164 |
| Cash dividends to net income (ytd only)* | -0.2003% | 7,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4498% | 1,479 |
| Loan loss allowance to noncurrent loans | 25.2523% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 8.0820% | 609 |
| Noncurrent loans to loans | 9.7013% | 445 |
| Net loans and leases to total assets | 70.9215% | 2,324 |
| Net loans and leases to deposits | 78.3585% | 3,453 |
| Net loans and leases to core deposits | 83.9403% | 3,600 |
| Total domestic deposits to total assets | 90.5091% | 828 |
| Equity capital to assets | 7.7296% | 6,727 |
| Core capital (leverage) ratio | 6.7509% | 7,129 |
| Tier 1 risk-based capital ratio | 9.3931% | 7,164 |
| Total risk-based capital ratio | 10.6574% | 7,164 |
| Memoranda: | ||
| Average total assets | $311,845,400 | 2,081 |
| Average earning assets | $278,226,400 | 2,126 |
| Average equity | $24,148,000 | 2,646 |
| Average total loans | $235,825,400 | 1,853 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 5,069 |
| Cost of funding earning assets | 1.6352% | 2,183 |
| Net interest margin | 3.3072% | 5,995 |
| Noninterest income to average assets | -0.1155% | 7,551 |
| Noninterest expense to average assets | 2.8048% | 4,469 |
| Loan and lease loss provision to assets | 4.0237% | 158 |
| Net operating income to assets | -2.7003% | 7,391 |
| Return on assets (ROA) | -2.5478% | 7,372 |
| Pretax return on assets | -3.7670% | 7,537 |
| Return on Equity (ROE) | -32.8879% | 7,428 |
| Retained earnings to average equity (ytd only) | -32.9421% | 7,423 |
| Net charge-offs to loans | 4.2255% | 273 |
| Credit loss provision to net charge-offs | 124.8208% | 3,287 |
| Earnings coverage of net charge-offs (x) | 0.0100% | 6,021 |
| Efficiency ratio | 98.5936% | 799 |
| Assets per employee ($millions) | 5.0191% | 2,152 |
| Cash dividends to net income (ytd only)* | -0.1648% | 7,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4546% | 1,393 |
| Loan loss allowance to noncurrent loans | 24.3474% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 8.6283% | 550 |
| Noncurrent loans to loans | 10.0817% | 413 |
| Net loans and leases to total assets | 72.8806% | 2,040 |
| Net loans and leases to deposits | 80.4089% | 3,374 |
| Net loans and leases to core deposits | 87.5541% | 3,435 |
| Total domestic deposits to total assets | 90.6375% | 581 |
| Equity capital to assets | 7.4270% | 7,166 |
| Core capital (leverage) ratio | 6.9750% | 7,180 |
| Tier 1 risk-based capital ratio | 9.3958% | 7,276 |
| Total risk-based capital ratio | 10.6440% | 7,286 |
| Memoranda: | ||
| Average total assets | $317,448,250 | 2,081 |
| Average earning assets | $283,416,250 | 2,121 |
| Average equity | $24,592,000 | 2,637 |
| Average total loans | $242,175,250 | 1,828 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 5,081 |
| Cost of funding earning assets | 1.6636% | 2,318 |
| Net interest margin | 3.3063% | 5,996 |
| Noninterest income to average assets | -0.1445% | 7,656 |
| Noninterest expense to average assets | 2.4931% | 5,738 |
| Loan and lease loss provision to assets | 2.4999% | 459 |
| Net operating income to assets | -1.2682% | 7,058 |
| Return on assets (ROA) | -1.0554% | 6,985 |
| Pretax return on assets | -1.8574% | 7,192 |
| Return on Equity (ROE) | -13.4472% | 7,092 |
| Retained earnings to average equity (ytd only) | -13.5266% | 7,055 |
| Net charge-offs to loans | 1.9266% | 954 |
| Credit loss provision to net charge-offs | 168.9815% | 2,319 |
| Earnings coverage of net charge-offs (x) | 0.2096% | 5,515 |
| Efficiency ratio | 88.6717% | 1,449 |
| Assets per employee ($millions) | 5.1427% | 1,995 |
| Cash dividends to net income (ytd only)* | -0.5900% | 7,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2059% | 1,738 |
| Loan loss allowance to noncurrent loans | 28.1734% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 6.9962% | 757 |
| Noncurrent loans to loans | 7.8298% | 668 |
| Net loans and leases to total assets | 73.1916% | 2,113 |
| Net loans and leases to deposits | 82.7171% | 3,132 |
| Net loans and leases to core deposits | 89.7919% | 3,305 |
| Total domestic deposits to total assets | 88.4843% | 1,740 |
| Equity capital to assets | 8.2159% | 6,523 |
| Core capital (leverage) ratio | 8.0000% | 6,276 |
| Tier 1 risk-based capital ratio | 10.3939% | 6,765 |
| Total risk-based capital ratio | 11.6544% | 6,747 |
| Memoranda: | ||
| Average total assets | $321,208,330 | 2,066 |
| Average earning assets | $286,361,670 | 2,109 |
| Average equity | $25,209,670 | 2,570 |
| Average total loans | $246,649,670 | 1,827 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 4,531 |
| Cost of funding earning assets | 1.7091% | 2,344 |
| Net interest margin | 3.3899% | 5,623 |
| Noninterest income to average assets | 0.2652% | 6,032 |
| Noninterest expense to average assets | 2.4639% | 5,860 |
| Loan and lease loss provision to assets | 0.2627% | 3,937 |
| Net operating income to assets | 0.4080% | 4,803 |
| Return on assets (ROA) | 0.6229% | 3,923 |
| Pretax return on assets | 0.8267% | 3,758 |
| Return on Equity (ROE) | 8.1290% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.9657% | 1,719 |
| Net charge-offs to loans | 0.1029% | 4,388 |
| Credit loss provision to net charge-offs | 328.1250% | 1,209 |
| Earnings coverage of net charge-offs (x) | 10.0313% | 1,789 |
| Efficiency ratio | 75.1914% | 3,361 |
| Assets per employee ($millions) | 5.0297% | 2,196 |
| Cash dividends to net income (ytd only)* | 2.0080% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,652 |
| Loan loss allowance to noncurrent loans | 24.3035% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 6.3790% | 903 |
| Noncurrent loans to loans | 6.3858% | 987 |
| Net loans and leases to total assets | 75.9868% | 1,545 |
| Net loans and leases to deposits | 89.5292% | 1,982 |
| Net loans and leases to core deposits | 100.8040% | 2,050 |
| Total domestic deposits to total assets | 84.8738% | 3,735 |
| Equity capital to assets | 7.8053% | 6,844 |
| Core capital (leverage) ratio | 7.7368% | 6,586 |
| Tier 1 risk-based capital ratio | 9.5547% | 7,273 |
| Total risk-based capital ratio | 10.8074% | 7,266 |
| Memoranda: | ||
| Average total assets | $319,816,500 | 2,131 |
| Average earning assets | $283,195,000 | 2,189 |
| Average equity | $24,505,000 | 2,665 |
| Average total loans | $248,732,500 | 1,874 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 4,706 |
| Cost of funding earning assets | 2.5774% | 836 |
| Net interest margin | 2.8211% | 7,025 |
| Noninterest income to average assets | 0.1423% | 7,026 |
| Noninterest expense to average assets | 2.2916% | 6,768 |
| Loan and lease loss provision to assets | 1.0377% | 2,208 |
| Net operating income to assets | -0.2991% | 5,969 |
| Return on assets (ROA) | -0.2396% | 5,884 |
| Pretax return on assets | -0.5346% | 6,039 |
| Return on Equity (ROE) | -3.2632% | 6,022 |
| Retained earnings to average equity (ytd only) | -3.7665% | 5,834 |
| Net charge-offs to loans | 1.1709% | 2,089 |
| Credit loss provision to net charge-offs | 116.3674% | 4,664 |
| Earnings coverage of net charge-offs (x) | 0.4599% | 5,654 |
| Efficiency ratio | 84.4997% | 2,290 |
| Assets per employee ($millions) | 5.3853% | 1,758 |
| Cash dividends to net income (ytd only)* | -15.4242% | 7,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 3,777 |
| Loan loss allowance to noncurrent loans | 24.8610% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 6.1665% | 905 |
| Noncurrent loans to loans | 5.9930% | 1,049 |
| Net loans and leases to total assets | 77.2024% | 1,547 |
| Net loans and leases to deposits | 95.9778% | 1,330 |
| Net loans and leases to core deposits | 129.2517% | 1,320 |
| Total domestic deposits to total assets | 80.4378% | 5,540 |
| Equity capital to assets | 7.5173% | 7,020 |
| Core capital (leverage) ratio | 7.2580% | 7,024 |
| Tier 1 risk-based capital ratio | 8.9338% | 7,499 |
| Total risk-based capital ratio | 10.1893% | 7,517 |
| Memoranda: | ||
| Average total assets | $324,756,200 | 2,084 |
| Average earning assets | $294,639,200 | 2,105 |
| Average equity | $23,841,800 | 2,744 |
| Average total loans | $247,337,600 | 1,906 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4293% | 4,796 |
| Cost of funding earning assets | 2.7337% | 718 |
| Net interest margin | 2.6956% | 7,213 |
| Noninterest income to average assets | 0.0898% | 7,449 |
| Noninterest expense to average assets | 2.3590% | 6,533 |
| Loan and lease loss provision to assets | 0.9118% | 2,107 |
| Net operating income to assets | -0.3634% | 6,277 |
| Return on assets (ROA) | -0.3634% | 6,277 |
| Pretax return on assets | -0.7269% | 6,503 |
| Return on Equity (ROE) | -4.9794% | 6,450 |
| Retained earnings to average equity (ytd only) | -5.5389% | 6,323 |
| Net charge-offs to loans | 0.5929% | 2,899 |
| Credit loss provision to net charge-offs | 203.3698% | 2,188 |
| Earnings coverage of net charge-offs (x) | 0.4126% | 5,619 |
| Efficiency ratio | 92.3917% | 1,516 |
| Assets per employee ($millions) | 5.3096% | 1,777 |
| Cash dividends to net income (ytd only)* | -11.2359% | 7,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 2,454 |
| Loan loss allowance to noncurrent loans | 38.6097% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 4.9722% | 1,182 |
| Noncurrent loans to loans | 4.5233% | 1,539 |
| Net loans and leases to total assets | 75.9262% | 2,006 |
| Net loans and leases to deposits | 92.1903% | 2,201 |
| Net loans and leases to core deposits | 121.8864% | 2,083 |
| Total domestic deposits to total assets | 82.3581% | 4,519 |
| Equity capital to assets | 7.5904% | 7,229 |
| Core capital (leverage) ratio | 7.3232% | 7,168 |
| Tier 1 risk-based capital ratio | 8.9923% | 7,624 |
| Total risk-based capital ratio | 10.2420% | 7,638 |
| Memoranda: | ||
| Average total assets | $326,511,500 | 2,091 |
| Average earning assets | $297,268,750 | 2,108 |
| Average equity | $23,831,000 | 2,776 |
| Average total loans | $246,919,750 | 1,936 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4421% | 4,930 |
| Cost of funding earning assets | 2.8369% | 714 |
| Net interest margin | 2.6052% | 7,356 |
| Noninterest income to average assets | 0.0715% | 7,627 |
| Noninterest expense to average assets | 2.4210% | 6,400 |
| Loan and lease loss provision to assets | 1.1106% | 1,543 |
| Net operating income to assets | -0.5907% | 6,648 |
| Return on assets (ROA) | -0.5907% | 6,653 |
| Pretax return on assets | -1.0831% | 6,872 |
| Return on Equity (ROE) | -8.2019% | 6,905 |
| Retained earnings to average equity (ytd only) | -8.8380% | 6,758 |
| Net charge-offs to loans | 0.5606% | 2,646 |
| Credit loss provision to net charge-offs | 263.8607% | 1,764 |
| Earnings coverage of net charge-offs (x) | 0.0653% | 5,612 |
| Efficiency ratio | 98.5279% | 1,248 |
| Assets per employee ($millions) | 5.3863% | 1,683 |
| Cash dividends to net income (ytd only)* | -7.7559% | 7,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 2,097 |
| Loan loss allowance to noncurrent loans | 91.8754% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 2.5109% | 2,565 |
| Noncurrent loans to loans | 1.9413% | 3,615 |
| Net loans and leases to total assets | 73.1554% | 2,920 |
| Net loans and leases to deposits | 85.7836% | 3,584 |
| Net loans and leases to core deposits | 117.5180% | 2,590 |
| Total domestic deposits to total assets | 85.2790% | 3,122 |
| Equity capital to assets | 7.0297% | 7,601 |
| Core capital (leverage) ratio | 7.1099% | 7,444 |
| Tier 1 risk-based capital ratio | 9.0675% | 7,664 |
| Total risk-based capital ratio | 10.3180% | 7,675 |
| Memoranda: | ||
| Average total assets | $327,387,670 | 2,108 |
| Average earning assets | $298,710,330 | 2,121 |
| Average equity | $23,580,000 | 2,802 |
| Average total loans | $245,798,670 | 1,963 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4625% | 5,106 |
| Cost of funding earning assets | 2.8845% | 800 |
| Net interest margin | 2.5781% | 7,398 |
| Noninterest income to average assets | 0.0159% | 7,996 |
| Noninterest expense to average assets | 2.1934% | 6,890 |
| Loan and lease loss provision to assets | 1.3770% | 932 |
| Net operating income to assets | -0.6597% | 7,016 |
| Return on assets (ROA) | -0.6597% | 7,055 |
| Pretax return on assets | -1.1958% | 7,255 |
| Return on Equity (ROE) | -9.0506% | 7,301 |
| Retained earnings to average equity (ytd only) | -9.7223% | 7,084 |
| Net charge-offs to loans | 1.0214% | 1,320 |
| Credit loss provision to net charge-offs | 178.8553% | 2,428 |
| Earnings coverage of net charge-offs (x) | 0.2353% | 4,794 |
| Efficiency ratio | 91.9588% | 1,571 |
| Assets per employee ($millions) | 5.2705% | 1,768 |
| Cash dividends to net income (ytd only)* | -7.4212% | 8,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 2,948 |
| Loan loss allowance to noncurrent loans | 101.9672% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 2.4377% | 2,350 |
| Noncurrent loans to loans | 1.4775% | 4,089 |
| Net loans and leases to total assets | 73.4818% | 2,891 |
| Net loans and leases to deposits | 89.2529% | 3,058 |
| Net loans and leases to core deposits | 122.5361% | 2,205 |
| Total domestic deposits to total assets | 82.3298% | 4,427 |
| Equity capital to assets | 7.0645% | 7,649 |
| Core capital (leverage) ratio | 7.3096% | 7,372 |
| Tier 1 risk-based capital ratio | 9.2488% | 7,628 |
| Total risk-based capital ratio | 10.4988% | 7,611 |
| Memoranda: | ||
| Average total assets | $326,799,000 | 2,128 |
| Average earning assets | $298,981,500 | 2,132 |
| Average equity | $23,821,500 | 2,789 |
| Average total loans | $246,334,000 | 1,982 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0185% | 5,459 |
| Cost of funding earning assets | 3.5432% | 464 |
| Net interest margin | 2.4753% | 7,783 |
| Noninterest income to average assets | 0.4835% | 4,772 |
| Noninterest expense to average assets | 2.1504% | 7,111 |
| Loan and lease loss provision to assets | 0.4844% | 2,879 |
| Net operating income to assets | 0.2723% | 5,638 |
| Return on assets (ROA) | 0.3240% | 5,287 |
| Pretax return on assets | 0.1713% | 5,790 |
| Return on Equity (ROE) | 4.4325% | 4,625 |
| Retained earnings to average equity (ytd only) | 3.6653% | 2,872 |
| Net charge-offs to loans | 0.3018% | 3,384 |
| Credit loss provision to net charge-offs | 215.0761% | 2,244 |
| Earnings coverage of net charge-offs (x) | 2.6819% | 4,740 |
| Efficiency ratio | 77.7087% | 2,966 |
| Assets per employee ($millions) | 5.2714% | 1,669 |
| Cash dividends to net income (ytd only)* | 17.3077% | 4,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 3,649 |
| Loan loss allowance to noncurrent loans | 73.9488% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.6477% | 1,807 |
| Noncurrent loans to loans | 1.7865% | 3,083 |
| Net loans and leases to total assets | 75.1687% | 2,839 |
| Net loans and leases to deposits | 96.1422% | 2,423 |
| Net loans and leases to core deposits | 130.0689% | 1,849 |
| Total domestic deposits to total assets | 78.1850% | 5,649 |
| Equity capital to assets | 7.5215% | 7,361 |
| Core capital (leverage) ratio | 7.6421% | 7,019 |
| Tier 1 risk-based capital ratio | 9.7667% | 6,995 |
| Total risk-based capital ratio | 11.0171% | 6,889 |
| Memoranda: | ||
| Average total assets | $321,014,600 | 2,080 |
| Average earning assets | $294,510,200 | 2,080 |
| Average equity | $23,463,200 | 2,792 |
| Average total loans | $239,531,200 | 1,972 |