Home > County Commerce Bank > Performance and Condition Ratios
County Commerce Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 4,789 |
| Cost of funding earning assets | 0.1791% | 5,465 |
| Net interest margin | 3.3764% | 4,009 |
| Noninterest income to average assets | 0.1896% | 5,458 |
| Noninterest expense to average assets | 2.0542% | 5,343 |
| Loan and lease loss provision to assets | 0.0012% | 4,363 |
| Net operating income to assets | 0.7464% | 3,593 |
| Return on assets (ROA) | 0.7464% | 3,687 |
| Pretax return on assets | 1.3396% | 2,133 |
| Return on Equity (ROE) | 8.0703% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.0703% | 894 |
| Net charge-offs to loans | -0.0020% | 4,877 |
| Credit loss provision to net charge-offs | -100.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5065% | 4,841 |
| Assets per employee ($millions) | 6.7424% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 2,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.2641% | 3,378 |
| Net loans and leases to deposits | 71.7983% | 3,740 |
| Net loans and leases to core deposits | 77.5594% | 3,599 |
| Total domestic deposits to total assets | 88.1137% | 1,570 |
| Equity capital to assets | 9.6487% | 4,374 |
| Core capital (leverage) ratio | 9.5855% | 4,064 |
| Tier 1 risk-based capital ratio | 13.7448% | 3,859 |
| Total risk-based capital ratio | 14.9955% | 3,790 |
| Memoranda: | ||
| Average total assets | $254,693,400 | 2,470 |
| Average earning assets | $241,795,600 | 2,408 |
| Average equity | $23,555,400 | 2,826 |
| Average total loans | $153,041,400 | 2,556 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 5,022 |
| Cost of funding earning assets | 0.1793% | 5,558 |
| Net interest margin | 3.3030% | 4,328 |
| Noninterest income to average assets | 0.2018% | 5,432 |
| Noninterest expense to average assets | 1.8774% | 5,671 |
| Loan and lease loss provision to assets | 0.0016% | 4,212 |
| Net operating income to assets | 0.8409% | 3,213 |
| Return on assets (ROA) | 0.8409% | 3,303 |
| Pretax return on assets | 1.4622% | 1,796 |
| Return on Equity (ROE) | 9.1928% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.1928% | 835 |
| Net charge-offs to loans | -0.0018% | 4,689 |
| Credit loss provision to net charge-offs | -150.0000% | 5,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1902% | 5,329 |
| Assets per employee ($millions) | 6.2750% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 2,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 62.1190% | 3,586 |
| Net loans and leases to deposits | 71.5857% | 3,818 |
| Net loans and leases to core deposits | 77.4563% | 3,655 |
| Total domestic deposits to total assets | 86.7757% | 2,153 |
| Equity capital to assets | 9.3720% | 4,912 |
| Core capital (leverage) ratio | 9.5583% | 4,223 |
| Tier 1 risk-based capital ratio | 13.8441% | 3,943 |
| Total risk-based capital ratio | 15.0954% | 3,882 |
| Memoranda: | ||
| Average total assets | $254,314,250 | 2,490 |
| Average earning assets | $241,710,250 | 2,423 |
| Average equity | $23,264,000 | 2,881 |
| Average total loans | $150,191,500 | 2,606 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4133% | 5,200 |
| Cost of funding earning assets | 0.1798% | 5,614 |
| Net interest margin | 3.2335% | 4,551 |
| Noninterest income to average assets | 0.1737% | 5,657 |
| Noninterest expense to average assets | 1.8245% | 5,818 |
| Loan and lease loss provision to assets | 0.0024% | 4,033 |
| Net operating income to assets | 0.8211% | 3,275 |
| Return on assets (ROA) | 0.8211% | 3,376 |
| Pretax return on assets | 1.4274% | 1,877 |
| Return on Equity (ROE) | 9.0508% | 2,510 |
| Retained earnings to average equity (ytd only) | 9.0508% | 903 |
| Net charge-offs to loans | -0.0027% | 4,633 |
| Credit loss provision to net charge-offs | -150.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0650% | 5,421 |
| Assets per employee ($millions) | 7.4279% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 2,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 5,532 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.5725% | 4,029 |
| Net loans and leases to deposits | 68.4325% | 4,094 |
| Net loans and leases to core deposits | 74.0652% | 3,952 |
| Total domestic deposits to total assets | 85.5916% | 2,882 |
| Equity capital to assets | 9.3175% | 4,879 |
| Core capital (leverage) ratio | 9.3834% | 4,447 |
| Tier 1 risk-based capital ratio | 14.4253% | 3,680 |
| Total risk-based capital ratio | 15.6781% | 3,602 |
| Memoranda: | ||
| Average total assets | $253,326,670 | 2,521 |
| Average earning assets | $241,349,670 | 2,449 |
| Average equity | $22,981,330 | 2,914 |
| Average total loans | $146,199,000 | 2,669 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 5,427 |
| Cost of funding earning assets | 0.1770% | 5,702 |
| Net interest margin | 3.1321% | 4,846 |
| Noninterest income to average assets | 0.1734% | 5,672 |
| Noninterest expense to average assets | 1.8335% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7615% | 3,475 |
| Return on assets (ROA) | 0.7615% | 3,614 |
| Pretax return on assets | 1.3243% | 2,181 |
| Return on Equity (ROE) | 8.5086% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.5086% | 1,372 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0629% | 5,328 |
| Assets per employee ($millions) | 7.4920% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 2,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 5,615 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.1573% | 4,068 |
| Net loans and leases to deposits | 65.1540% | 4,254 |
| Net loans and leases to core deposits | 70.3939% | 4,119 |
| Total domestic deposits to total assets | 87.7265% | 1,972 |
| Equity capital to assets | 9.0120% | 5,275 |
| Core capital (leverage) ratio | 9.1810% | 4,742 |
| Tier 1 risk-based capital ratio | 14.1807% | 3,893 |
| Total risk-based capital ratio | 15.4344% | 3,820 |
| Memoranda: | ||
| Average total assets | $253,716,500 | 2,531 |
| Average earning assets | $241,753,500 | 2,457 |
| Average equity | $22,706,500 | 2,957 |
| Average total loans | $144,161,500 | 2,706 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 5,771 |
| Cost of funding earning assets | 0.1957% | 5,779 |
| Net interest margin | 3.0542% | 5,304 |
| Noninterest income to average assets | 0.1504% | 5,942 |
| Noninterest expense to average assets | 1.7787% | 6,094 |
| Loan and lease loss provision to assets | -0.1039% | 6,154 |
| Net operating income to assets | 0.7925% | 3,410 |
| Return on assets (ROA) | 0.7925% | 3,505 |
| Pretax return on assets | 1.3685% | 2,008 |
| Return on Equity (ROE) | 8.8895% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.8895% | 729 |
| Net charge-offs to loans | -0.0023% | 5,385 |
| Credit loss provision to net charge-offs | 8,333.3333% | 36 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4460% | 5,414 |
| Assets per employee ($millions) | 8.1518% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 1,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 5,701 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.6232% | 4,500 |
| Net loans and leases to deposits | 64.0705% | 4,522 |
| Net loans and leases to core deposits | 68.2809% | 4,474 |
| Total domestic deposits to total assets | 85.2548% | 3,184 |
| Equity capital to assets | 8.8866% | 5,389 |
| Core capital (leverage) ratio | 8.9466% | 5,068 |
| Tier 1 risk-based capital ratio | 15.0550% | 3,460 |
| Total risk-based capital ratio | 16.3093% | 3,400 |
| Memoranda: | ||
| Average total assets | $240,629,400 | 2,611 |
| Average earning assets | $227,916,600 | 2,536 |
| Average equity | $21,452,200 | 3,008 |
| Average total loans | $131,435,800 | 2,839 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2443% | 5,852 |
| Cost of funding earning assets | 0.2002% | 5,825 |
| Net interest margin | 3.0441% | 5,391 |
| Noninterest income to average assets | 0.1537% | 5,996 |
| Noninterest expense to average assets | 1.8102% | 6,074 |
| Loan and lease loss provision to assets | -0.1403% | 6,341 |
| Net operating income to assets | 0.7873% | 3,479 |
| Return on assets (ROA) | 0.7873% | 3,587 |
| Pretax return on assets | 1.3596% | 2,156 |
| Return on Equity (ROE) | 8.8233% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.8233% | 1,054 |
| Net charge-offs to loans | -0.0021% | 5,189 |
| Credit loss provision to net charge-offs | 12,500.0000% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7518% | 5,218 |
| Assets per employee ($millions) | 8.1506% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 1,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 5,839 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.3208% | 4,772 |
| Net loans and leases to deposits | 58.8579% | 5,027 |
| Net loans and leases to core deposits | 62.6476% | 4,993 |
| Total domestic deposits to total assets | 88.8934% | 1,301 |
| Equity capital to assets | 8.6813% | 5,656 |
| Core capital (leverage) ratio | 8.9738% | 5,108 |
| Tier 1 risk-based capital ratio | 15.3583% | 3,393 |
| Total risk-based capital ratio | 16.6137% | 3,325 |
| Memoranda: | ||
| Average total assets | $237,610,250 | 2,649 |
| Average earning assets | $224,473,000 | 2,593 |
| Average equity | $21,201,000 | 3,036 |
| Average total loans | $129,199,250 | 2,890 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2650% | 5,848 |
| Cost of funding earning assets | 0.2063% | 5,860 |
| Net interest margin | 3.0587% | 5,374 |
| Noninterest income to average assets | 0.1565% | 6,009 |
| Noninterest expense to average assets | 1.8487% | 6,077 |
| Loan and lease loss provision to assets | -0.2150% | 6,486 |
| Net operating income to assets | 0.8126% | 3,267 |
| Return on assets (ROA) | 0.8126% | 3,371 |
| Pretax return on assets | 1.4033% | 1,881 |
| Return on Equity (ROE) | 9.0188% | 2,586 |
| Retained earnings to average equity (ytd only) | 9.0188% | 980 |
| Net charge-offs to loans | -0.0016% | 5,045 |
| Credit loss provision to net charge-offs | 25,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8720% | 5,159 |
| Assets per employee ($millions) | 8.1580% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7964% | 1,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 5,901 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 54.1613% | 4,523 |
| Net loans and leases to deposits | 61.2695% | 4,753 |
| Net loans and leases to core deposits | 65.2783% | 4,707 |
| Total domestic deposits to total assets | 88.3985% | 1,684 |
| Equity capital to assets | 9.0709% | 5,227 |
| Core capital (leverage) ratio | 9.1535% | 4,814 |
| Tier 1 risk-based capital ratio | 15.4023% | 3,412 |
| Total risk-based capital ratio | 16.6576% | 3,349 |
| Memoranda: | ||
| Average total assets | $232,590,330 | 2,701 |
| Average earning assets | $219,049,000 | 2,648 |
| Average equity | $20,956,330 | 3,061 |
| Average total loans | $127,417,670 | 2,915 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2896% | 5,863 |
| Cost of funding earning assets | 0.2049% | 5,951 |
| Net interest margin | 3.0847% | 5,300 |
| Noninterest income to average assets | 0.1492% | 6,077 |
| Noninterest expense to average assets | 1.7589% | 6,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7459% | 3,447 |
| Return on assets (ROA) | 0.7459% | 3,530 |
| Pretax return on assets | 1.2888% | 2,134 |
| Return on Equity (ROE) | 8.3074% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.3074% | 1,495 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7120% | 5,678 |
| Assets per employee ($millions) | 7.9156% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0817% | 1,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 5,991 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 51.3629% | 4,744 |
| Net loans and leases to deposits | 57.9168% | 4,958 |
| Net loans and leases to core deposits | 61.9277% | 4,891 |
| Total domestic deposits to total assets | 88.6840% | 1,844 |
| Equity capital to assets | 8.8129% | 5,318 |
| Core capital (leverage) ratio | 9.1624% | 4,773 |
| Tier 1 risk-based capital ratio | 15.6418% | 3,362 |
| Total risk-based capital ratio | 16.9005% | 3,321 |
| Memoranda: | ||
| Average total assets | $230,594,500 | 2,740 |
| Average earning assets | $216,680,000 | 2,677 |
| Average equity | $20,704,500 | 3,095 |
| Average total loans | $125,886,500 | 2,951 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 5,345 |
| Cost of funding earning assets | 0.2409% | 6,026 |
| Net interest margin | 3.3842% | 4,344 |
| Noninterest income to average assets | 0.1469% | 6,210 |
| Noninterest expense to average assets | 1.9892% | 6,048 |
| Loan and lease loss provision to assets | -0.1079% | 6,493 |
| Net operating income to assets | 0.8581% | 2,988 |
| Return on assets (ROA) | 0.8581% | 3,069 |
| Pretax return on assets | 1.4581% | 1,593 |
| Return on Equity (ROE) | 9.2798% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.2798% | 716 |
| Net charge-offs to loans | 0.1131% | 3,686 |
| Credit loss provision to net charge-offs | -164.4928% | 5,966 |
| Earnings coverage of net charge-offs (x) | 20.5797% | 1,542 |
| Efficiency ratio | 59.5672% | 5,529 |
| Assets per employee ($millions) | 7.7145% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0376% | 1,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 6,314 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.7022% | 4,357 |
| Net loans and leases to deposits | 64.2876% | 4,476 |
| Net loans and leases to core deposits | 68.8530% | 4,412 |
| Total domestic deposits to total assets | 86.6454% | 2,913 |
| Equity capital to assets | 9.1547% | 4,863 |
| Core capital (leverage) ratio | 9.1505% | 4,783 |
| Tier 1 risk-based capital ratio | 15.1658% | 3,565 |
| Total risk-based capital ratio | 16.4247% | 3,507 |
| Memoranda: | ||
| Average total assets | $210,338,200 | 2,910 |
| Average earning assets | $198,422,800 | 2,845 |
| Average equity | $19,450,800 | 3,215 |
| Average total loans | $121,985,200 | 3,002 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 5,297 |
| Cost of funding earning assets | 0.2451% | 6,122 |
| Net interest margin | 3.4067% | 4,257 |
| Noninterest income to average assets | 0.1507% | 6,281 |
| Noninterest expense to average assets | 2.0045% | 6,001 |
| Loan and lease loss provision to assets | 0.0148% | 4,713 |
| Net operating income to assets | 0.7968% | 3,363 |
| Return on assets (ROA) | 0.7968% | 3,496 |
| Pretax return on assets | 1.3540% | 2,103 |
| Return on Equity (ROE) | 8.5931% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.5931% | 1,201 |
| Net charge-offs to loans | 0.1547% | 3,003 |
| Credit loss provision to net charge-offs | 16.4286% | 4,124 |
| Earnings coverage of net charge-offs (x) | 15.1787% | 1,886 |
| Efficiency ratio | 59.4233% | 5,510 |
| Assets per employee ($millions) | 7.0028% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3550% | 1,103 |
| Loan loss allowance to noncurrent loans | 4,735.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 6,396 |
| Noncurrent loans to loans | 0.0497% | 6,197 |
| Net loans and leases to total assets | 54.2614% | 4,571 |
| Net loans and leases to deposits | 61.5363% | 4,812 |
| Net loans and leases to core deposits | 65.5825% | 4,747 |
| Total domestic deposits to total assets | 88.1780% | 2,011 |
| Equity capital to assets | 9.1466% | 4,999 |
| Core capital (leverage) ratio | 9.3184% | 4,671 |
| Tier 1 risk-based capital ratio | 15.3672% | 3,528 |
| Total risk-based capital ratio | 16.6295% | 3,483 |
| Memoranda: | ||
| Average total assets | $206,992,750 | 2,963 |
| Average earning assets | $195,802,500 | 2,903 |
| Average equity | $19,193,250 | 3,292 |
| Average total loans | $120,679,250 | 3,047 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 5,078 |
| Cost of funding earning assets | 0.2502% | 6,172 |
| Net interest margin | 3.4712% | 3,918 |
| Noninterest income to average assets | 0.1680% | 6,211 |
| Noninterest expense to average assets | 2.0577% | 5,946 |
| Loan and lease loss provision to assets | 0.0226% | 4,456 |
| Net operating income to assets | 0.8074% | 3,250 |
| Return on assets (ROA) | 0.8074% | 3,403 |
| Pretax return on assets | 1.3721% | 2,030 |
| Return on Equity (ROE) | 8.6653% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.6653% | 1,240 |
| Net charge-offs to loans | 0.0514% | 3,954 |
| Credit loss provision to net charge-offs | 74.1935% | 2,738 |
| Earnings coverage of net charge-offs (x) | 45.8065% | 842 |
| Efficiency ratio | 59.6017% | 5,528 |
| Assets per employee ($millions) | 6.5458% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3935% | 1,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 59.2842% | 3,781 |
| Net loans and leases to deposits | 67.6706% | 4,059 |
| Net loans and leases to core deposits | 73.0632% | 3,917 |
| Total domestic deposits to total assets | 87.6070% | 2,489 |
| Equity capital to assets | 9.5707% | 4,492 |
| Core capital (leverage) ratio | 9.6451% | 4,017 |
| Tier 1 risk-based capital ratio | 14.9550% | 3,807 |
| Total risk-based capital ratio | 16.2179% | 3,763 |
| Memoranda: | ||
| Average total assets | $203,628,330 | 3,026 |
| Average earning assets | $192,672,000 | 2,963 |
| Average equity | $18,972,330 | 3,332 |
| Average total loans | $120,694,000 | 3,057 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 5,535 |
| Cost of funding earning assets | 0.2488% | 6,297 |
| Net interest margin | 3.3191% | 4,445 |
| Noninterest income to average assets | 0.1961% | 6,072 |
| Noninterest expense to average assets | 1.9727% | 6,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8020% | 3,156 |
| Return on assets (ROA) | 0.8020% | 3,286 |
| Pretax return on assets | 1.3629% | 2,001 |
| Return on Equity (ROE) | 8.7263% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.7263% | 1,477 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1417% | 5,702 |
| Assets per employee ($millions) | 6.8186% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4954% | 1,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 56.5013% | 4,009 |
| Net loans and leases to deposits | 64.0084% | 4,313 |
| Net loans and leases to core deposits | 69.2561% | 4,160 |
| Total domestic deposits to total assets | 88.2718% | 2,149 |
| Equity capital to assets | 9.2825% | 5,155 |
| Core capital (leverage) ratio | 9.3291% | 4,356 |
| Tier 1 risk-based capital ratio | 15.4767% | 3,538 |
| Total risk-based capital ratio | 16.7408% | 3,491 |
| Memoranda: | ||
| Average total assets | $203,982,000 | 3,052 |
| Average earning assets | $192,943,000 | 2,977 |
| Average equity | $18,748,000 | 3,415 |
| Average total loans | $119,416,000 | 3,099 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 5,497 |
| Cost of funding earning assets | 0.3206% | 6,352 |
| Net interest margin | 3.6079% | 4,048 |
| Noninterest income to average assets | 0.1690% | 6,183 |
| Noninterest expense to average assets | 2.0431% | 6,247 |
| Loan and lease loss provision to assets | 0.0021% | 5,889 |
| Net operating income to assets | 0.9048% | 2,788 |
| Return on assets (ROA) | 0.9048% | 3,032 |
| Pretax return on assets | 1.5377% | 1,566 |
| Return on Equity (ROE) | 10.0493% | 2,150 |
| Retained earnings to average equity (ytd only) | 10.0493% | 592 |
| Net charge-offs to loans | 0.0108% | 5,776 |
| Credit loss provision to net charge-offs | 33.3333% | 5,054 |
| Earnings coverage of net charge-offs (x) | 244.5000% | 168 |
| Efficiency ratio | 57.0236% | 5,952 |
| Assets per employee ($millions) | 6.7802% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4589% | 1,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 57.6866% | 4,029 |
| Net loans and leases to deposits | 65.1386% | 4,402 |
| Net loans and leases to core deposits | 70.2026% | 4,280 |
| Total domestic deposits to total assets | 88.5598% | 1,865 |
| Equity capital to assets | 9.0990% | 5,402 |
| Core capital (leverage) ratio | 9.3533% | 4,331 |
| Tier 1 risk-based capital ratio | 15.1903% | 3,620 |
| Total risk-based capital ratio | 16.4551% | 3,555 |
| Memoranda: | ||
| Average total assets | $190,540,400 | 3,170 |
| Average earning assets | $180,298,400 | 3,085 |
| Average equity | $17,155,400 | 3,596 |
| Average total loans | $110,681,800 | 3,288 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 5,572 |
| Cost of funding earning assets | 0.3398% | 6,421 |
| Net interest margin | 3.6404% | 4,054 |
| Noninterest income to average assets | 0.1843% | 6,201 |
| Noninterest expense to average assets | 2.1381% | 6,089 |
| Loan and lease loss provision to assets | 0.0028% | 5,766 |
| Net operating income to assets | 0.8769% | 3,099 |
| Return on assets (ROA) | 0.8769% | 3,340 |
| Pretax return on assets | 1.4904% | 1,918 |
| Return on Equity (ROE) | 9.7675% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.7675% | 975 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8789% | 5,681 |
| Assets per employee ($millions) | 6.4115% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6536% | 1,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 56.6448% | 4,356 |
| Net loans and leases to deposits | 64.1823% | 4,689 |
| Net loans and leases to core deposits | 69.4594% | 4,567 |
| Total domestic deposits to total assets | 88.2561% | 1,874 |
| Equity capital to assets | 9.0904% | 5,725 |
| Core capital (leverage) ratio | 8.9758% | 5,098 |
| Tier 1 risk-based capital ratio | 15.1160% | 3,761 |
| Total risk-based capital ratio | 16.3825% | 3,706 |
| Memoranda: | ||
| Average total assets | $187,324,000 | 3,242 |
| Average earning assets | $177,374,500 | 3,168 |
| Average equity | $16,817,250 | 3,689 |
| Average total loans | $108,278,250 | 3,361 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 5,628 |
| Cost of funding earning assets | 0.3643% | 6,452 |
| Net interest margin | 3.6378% | 4,091 |
| Noninterest income to average assets | 0.2068% | 6,081 |
| Noninterest expense to average assets | 2.1137% | 6,208 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9103% | 2,857 |
| Return on assets (ROA) | 0.9103% | 3,120 |
| Pretax return on assets | 1.5459% | 1,723 |
| Return on Equity (ROE) | 10.1840% | 2,281 |
| Retained earnings to average equity (ytd only) | 10.1840% | 924 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7568% | 5,900 |
| Assets per employee ($millions) | 7.3600% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7386% | 997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.2489% | 4,288 |
| Net loans and leases to deposits | 65.8169% | 4,529 |
| Net loans and leases to core deposits | 71.5913% | 4,339 |
| Total domestic deposits to total assets | 86.9821% | 2,771 |
| Equity capital to assets | 9.2723% | 5,357 |
| Core capital (leverage) ratio | 9.2125% | 4,590 |
| Tier 1 risk-based capital ratio | 14.7903% | 3,901 |
| Total risk-based capital ratio | 16.0568% | 3,858 |
| Memoranda: | ||
| Average total assets | $185,650,000 | 3,269 |
| Average earning assets | $176,205,000 | 3,189 |
| Average equity | $16,594,670 | 3,714 |
| Average total loans | $107,063,000 | 3,400 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 5,689 |
| Cost of funding earning assets | 0.3756% | 6,524 |
| Net interest margin | 3.6495% | 4,049 |
| Noninterest income to average assets | 0.1523% | 6,479 |
| Noninterest expense to average assets | 2.1365% | 6,186 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8687% | 3,059 |
| Return on assets (ROA) | 0.8687% | 3,287 |
| Pretax return on assets | 1.4758% | 1,945 |
| Return on Equity (ROE) | 9.9013% | 2,433 |
| Retained earnings to average equity (ytd only) | 9.9013% | 1,292 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1449% | 5,752 |
| Assets per employee ($millions) | 7.2097% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7895% | 1,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.1392% | 4,529 |
| Net loans and leases to deposits | 62.9587% | 4,776 |
| Net loans and leases to core deposits | 68.9522% | 4,568 |
| Total domestic deposits to total assets | 87.5798% | 2,603 |
| Equity capital to assets | 8.8379% | 5,706 |
| Core capital (leverage) ratio | 9.0432% | 4,771 |
| Tier 1 risk-based capital ratio | 13.9548% | 4,499 |
| Total risk-based capital ratio | 15.2284% | 4,449 |
| Memoranda: | ||
| Average total assets | $186,475,000 | 3,274 |
| Average earning assets | $176,791,500 | 3,197 |
| Average equity | $16,361,500 | 3,756 |
| Average total loans | $106,442,500 | 3,444 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 5,691 |
| Cost of funding earning assets | 0.4633% | 6,688 |
| Net interest margin | 3.8585% | 3,521 |
| Noninterest income to average assets | 0.1772% | 6,225 |
| Noninterest expense to average assets | 2.1944% | 6,280 |
| Loan and lease loss provision to assets | 0.1682% | 4,538 |
| Net operating income to assets | 0.8624% | 2,761 |
| Return on assets (ROA) | 0.8624% | 2,909 |
| Pretax return on assets | 1.4643% | 1,576 |
| Return on Equity (ROE) | 10.0457% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.0457% | 558 |
| Net charge-offs to loans | 0.0029% | 6,413 |
| Credit loss provision to net charge-offs | 9,966.6667% | 21 |
| Earnings coverage of net charge-offs (x) | 967.3333% | 26 |
| Efficiency ratio | 57.3423% | 6,141 |
| Assets per employee ($millions) | 7.1345% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7834% | 997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.8462% | 4,737 |
| Net loans and leases to deposits | 64.5037% | 4,940 |
| Net loans and leases to core deposits | 70.6550% | 4,696 |
| Total domestic deposits to total assets | 86.5782% | 2,993 |
| Equity capital to assets | 8.7096% | 5,884 |
| Core capital (leverage) ratio | 8.7823% | 5,133 |
| Tier 1 risk-based capital ratio | 13.6587% | 4,580 |
| Total risk-based capital ratio | 14.9327% | 4,528 |
| Memoranda: | ||
| Average total assets | $177,769,200 | 3,370 |
| Average earning assets | $168,148,200 | 3,276 |
| Average equity | $15,260,200 | 3,854 |
| Average total loans | $103,517,000 | 3,531 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 5,704 |
| Cost of funding earning assets | 0.4814% | 6,780 |
| Net interest margin | 3.8894% | 3,434 |
| Noninterest income to average assets | 0.1903% | 6,231 |
| Noninterest expense to average assets | 2.2793% | 6,090 |
| Loan and lease loss provision to assets | 0.1623% | 4,438 |
| Net operating income to assets | 0.8386% | 2,993 |
| Return on assets (ROA) | 0.8386% | 3,146 |
| Pretax return on assets | 1.4248% | 1,868 |
| Return on Equity (ROE) | 9.8072% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.8072% | 899 |
| Net charge-offs to loans | 0.0039% | 6,141 |
| Credit loss provision to net charge-offs | 7,133.3333% | 40 |
| Earnings coverage of net charge-offs (x) | 697.6500% | 50 |
| Efficiency ratio | 58.9527% | 5,873 |
| Assets per employee ($millions) | 7.6276% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7526% | 1,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.6008% | 4,904 |
| Net loans and leases to deposits | 63.4314% | 5,244 |
| Net loans and leases to core deposits | 69.6107% | 4,995 |
| Total domestic deposits to total assets | 87.6550% | 2,262 |
| Equity capital to assets | 8.5889% | 6,212 |
| Core capital (leverage) ratio | 8.8012% | 5,263 |
| Tier 1 risk-based capital ratio | 13.4909% | 4,739 |
| Total risk-based capital ratio | 14.7643% | 4,693 |
| Memoranda: | ||
| Average total assets | $175,837,250 | 3,416 |
| Average earning assets | $166,191,500 | 3,316 |
| Average equity | $15,036,250 | 3,915 |
| Average total loans | $102,756,500 | 3,577 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 5,629 |
| Cost of funding earning assets | 0.4962% | 6,855 |
| Net interest margin | 3.9212% | 3,211 |
| Noninterest income to average assets | 0.2145% | 6,134 |
| Noninterest expense to average assets | 2.3745% | 5,922 |
| Loan and lease loss provision to assets | 0.1718% | 4,209 |
| Net operating income to assets | 0.8107% | 3,025 |
| Return on assets (ROA) | 0.8107% | 3,145 |
| Pretax return on assets | 1.3769% | 1,871 |
| Return on Equity (ROE) | 9.4953% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.4953% | 962 |
| Net charge-offs to loans | 0.0059% | 5,793 |
| Credit loss provision to net charge-offs | 4,966.6667% | 70 |
| Earnings coverage of net charge-offs (x) | 447.6667% | 72 |
| Efficiency ratio | 60.5232% | 5,796 |
| Assets per employee ($millions) | 6.5719% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7576% | 1,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 55.9640% | 5,002 |
| Net loans and leases to deposits | 63.0631% | 5,384 |
| Net loans and leases to core deposits | 68.7094% | 5,217 |
| Total domestic deposits to total assets | 88.7427% | 1,697 |
| Equity capital to assets | 8.5713% | 6,100 |
| Core capital (leverage) ratio | 8.7415% | 5,155 |
| Tier 1 risk-based capital ratio | 13.6202% | 4,439 |
| Total risk-based capital ratio | 14.8946% | 4,401 |
| Memoranda: | ||
| Average total assets | $173,429,000 | 3,477 |
| Average earning assets | $164,030,330 | 3,369 |
| Average equity | $14,807,330 | 3,943 |
| Average total loans | $102,120,330 | 3,624 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 5,601 |
| Cost of funding earning assets | 0.5213% | 6,891 |
| Net interest margin | 3.9036% | 3,120 |
| Noninterest income to average assets | 0.1703% | 6,505 |
| Noninterest expense to average assets | 2.4081% | 5,861 |
| Loan and lease loss provision to assets | 0.1563% | 4,073 |
| Net operating income to assets | 0.7607% | 3,217 |
| Return on assets (ROA) | 0.7607% | 3,281 |
| Pretax return on assets | 1.2927% | 2,064 |
| Return on Equity (ROE) | 8.9275% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.9275% | 1,405 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4319% | 5,608 |
| Assets per employee ($millions) | 6.3875% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6767% | 1,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.0188% | 4,643 |
| Net loans and leases to deposits | 65.5300% | 5,037 |
| Net loans and leases to core deposits | 71.8452% | 4,810 |
| Total domestic deposits to total assets | 88.5378% | 2,052 |
| Equity capital to assets | 8.5653% | 5,821 |
| Core capital (leverage) ratio | 8.6236% | 5,223 |
| Tier 1 risk-based capital ratio | 13.1448% | 4,714 |
| Total risk-based capital ratio | 14.4137% | 4,674 |
| Memoranda: | ||
| Average total assets | $171,423,000 | 3,532 |
| Average earning assets | $161,900,000 | 3,425 |
| Average equity | $14,606,500 | 3,972 |
| Average total loans | $102,121,000 | 3,667 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 5,244 |
| Cost of funding earning assets | 0.6828% | 6,925 |
| Net interest margin | 4.1638% | 2,313 |
| Noninterest income to average assets | 0.2579% | 5,956 |
| Noninterest expense to average assets | 2.4235% | 6,035 |
| Loan and lease loss provision to assets | 0.4554% | 3,393 |
| Net operating income to assets | 0.7408% | 3,042 |
| Return on assets (ROA) | 0.7408% | 3,169 |
| Pretax return on assets | 1.2591% | 2,051 |
| Return on Equity (ROE) | 8.7808% | 2,385 |
| Retained earnings to average equity (ytd only) | 8.7808% | 758 |
| Net charge-offs to loans | 0.0101% | 6,732 |
| Credit loss provision to net charge-offs | 7,450.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 280.5000% | 81 |
| Efficiency ratio | 58.5672% | 6,271 |
| Assets per employee ($millions) | 6.3105% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 1,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 57.9629% | 5,029 |
| Net loans and leases to deposits | 65.7832% | 5,432 |
| Net loans and leases to core deposits | 72.0437% | 5,207 |
| Total domestic deposits to total assets | 88.1121% | 2,182 |
| Equity capital to assets | 8.4756% | 5,888 |
| Core capital (leverage) ratio | 8.3618% | 5,594 |
| Tier 1 risk-based capital ratio | 13.0848% | 4,535 |
| Total risk-based capital ratio | 14.3578% | 4,480 |
| Memoranda: | ||
| Average total assets | $163,609,000 | 3,638 |
| Average earning assets | $152,458,600 | 3,597 |
| Average equity | $13,802,800 | 4,183 |
| Average total loans | $98,586,400 | 3,840 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 5,119 |
| Cost of funding earning assets | 0.7173% | 7,018 |
| Net interest margin | 4.2160% | 2,163 |
| Noninterest income to average assets | 0.2125% | 6,392 |
| Noninterest expense to average assets | 2.5387% | 5,566 |
| Loan and lease loss provision to assets | 0.3376% | 3,905 |
| Net operating income to assets | 0.7337% | 3,266 |
| Return on assets (ROA) | 0.7337% | 3,427 |
| Pretax return on assets | 1.2467% | 2,348 |
| Return on Equity (ROE) | 8.7074% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.7074% | 1,158 |
| Net charge-offs to loans | 0.0068% | 6,572 |
| Credit loss provision to net charge-offs | 8,200.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 384.5982% | 83 |
| Efficiency ratio | 61.5738% | 5,687 |
| Assets per employee ($millions) | 5.8139% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4077% | 1,463 |
| Loan loss allowance to noncurrent loans | 424.6824% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 6,562 |
| Noncurrent loans to loans | 0.5669% | 6,071 |
| Net loans and leases to total assets | 56.2567% | 5,512 |
| Net loans and leases to deposits | 63.8785% | 5,929 |
| Net loans and leases to core deposits | 71.7267% | 5,545 |
| Total domestic deposits to total assets | 88.0684% | 1,922 |
| Equity capital to assets | 8.3706% | 6,429 |
| Core capital (leverage) ratio | 8.4670% | 5,566 |
| Tier 1 risk-based capital ratio | 13.0257% | 4,561 |
| Total risk-based capital ratio | 14.2957% | 4,523 |
| Memoranda: | ||
| Average total assets | $161,915,500 | 3,718 |
| Average earning assets | $150,185,500 | 3,680 |
| Average equity | $13,643,250 | 4,289 |
| Average total loans | $97,875,750 | 3,918 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 5,032 |
| Cost of funding earning assets | 0.7364% | 7,106 |
| Net interest margin | 4.2436% | 1,995 |
| Noninterest income to average assets | 0.1778% | 6,634 |
| Noninterest expense to average assets | 2.6539% | 5,112 |
| Loan and lease loss provision to assets | 0.2505% | 4,419 |
| Net operating income to assets | 0.7014% | 3,400 |
| Return on assets (ROA) | 0.7014% | 3,557 |
| Pretax return on assets | 1.1923% | 2,441 |
| Return on Equity (ROE) | 8.3045% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.3045% | 1,332 |
| Net charge-offs to loans | 0.0102% | 6,208 |
| Credit loss provision to net charge-offs | 4,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 230.4000% | 145 |
| Efficiency ratio | 64.7814% | 5,190 |
| Assets per employee ($millions) | 5.9079% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1222% | 1,918 |
| Loan loss allowance to noncurrent loans | 5,071.4286% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 7,337 |
| Noncurrent loans to loans | 0.0418% | 7,211 |
| Net loans and leases to total assets | 61.5846% | 4,764 |
| Net loans and leases to deposits | 70.2082% | 5,243 |
| Net loans and leases to core deposits | 75.4205% | 5,258 |
| Total domestic deposits to total assets | 87.7171% | 2,157 |
| Equity capital to assets | 8.6362% | 5,966 |
| Core capital (leverage) ratio | 8.6553% | 5,148 |
| Tier 1 risk-based capital ratio | 13.0749% | 4,378 |
| Total risk-based capital ratio | 14.3439% | 4,322 |
| Memoranda: | ||
| Average total assets | $159,686,670 | 3,798 |
| Average earning assets | $147,468,000 | 3,753 |
| Average equity | $13,486,670 | 4,330 |
| Average total loans | $98,104,330 | 3,958 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 5,401 |
| Cost of funding earning assets | 0.7500% | 7,232 |
| Net interest margin | 4.1617% | 2,188 |
| Noninterest income to average assets | 0.1778% | 6,687 |
| Noninterest expense to average assets | 2.6638% | 5,090 |
| Loan and lease loss provision to assets | 0.1878% | 4,625 |
| Net operating income to assets | 0.6760% | 3,545 |
| Return on assets (ROA) | 0.6760% | 3,661 |
| Pretax return on assets | 1.1466% | 2,564 |
| Return on Equity (ROE) | 8.0947% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.0947% | 1,670 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6249% | 4,983 |
| Assets per employee ($millions) | 5.9066% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0636% | 2,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.8160% | 5,148 |
| Net loans and leases to deposits | 68.0341% | 5,583 |
| Net loans and leases to core deposits | 68.6224% | 6,041 |
| Total domestic deposits to total assets | 87.9207% | 2,109 |
| Equity capital to assets | 8.4525% | 6,068 |
| Core capital (leverage) ratio | 8.3461% | 5,647 |
| Tier 1 risk-based capital ratio | 12.7117% | 4,548 |
| Total risk-based capital ratio | 13.9791% | 4,501 |
| Memoranda: | ||
| Average total assets | $159,773,000 | 3,850 |
| Average earning assets | $146,671,000 | 3,822 |
| Average equity | $13,342,000 | 4,396 |
| Average total loans | $96,973,500 | 4,050 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 5,155 |
| Cost of funding earning assets | 1.0538% | 7,090 |
| Net interest margin | 4.2509% | 1,890 |
| Noninterest income to average assets | 0.1980% | 6,679 |
| Noninterest expense to average assets | 2.4790% | 6,211 |
| Loan and lease loss provision to assets | 0.4743% | 3,984 |
| Net operating income to assets | 0.6945% | 2,956 |
| Return on assets (ROA) | 0.6945% | 3,029 |
| Pretax return on assets | 1.1807% | 2,001 |
| Return on Equity (ROE) | 7.9111% | 2,407 |
| Retained earnings to average equity (ytd only) | 7.9111% | 726 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9665% | 6,499 |
| Assets per employee ($millions) | 6.4027% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0043% | 2,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.1052% | 5,475 |
| Net loans and leases to deposits | 67.4615% | 5,895 |
| Net loans and leases to core deposits | 83.4536% | 5,773 |
| Total domestic deposits to total assets | 87.6133% | 2,165 |
| Equity capital to assets | 8.2490% | 6,276 |
| Core capital (leverage) ratio | 8.2429% | 5,741 |
| Tier 1 risk-based capital ratio | 11.4969% | 5,392 |
| Total risk-based capital ratio | 12.7612% | 5,347 |
| Memoranda: | ||
| Average total assets | $144,411,000 | 4,038 |
| Average earning assets | $133,712,200 | 4,016 |
| Average equity | $12,678,400 | 4,595 |
| Average total loans | $91,328,000 | 4,177 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 5,283 |
| Cost of funding earning assets | 1.1149% | 7,146 |
| Net interest margin | 4.2142% | 1,995 |
| Noninterest income to average assets | 0.1851% | 6,900 |
| Noninterest expense to average assets | 2.5423% | 5,931 |
| Loan and lease loss provision to assets | 0.3321% | 4,347 |
| Net operating income to assets | 0.7193% | 3,137 |
| Return on assets (ROA) | 0.7193% | 3,208 |
| Pretax return on assets | 1.2242% | 2,186 |
| Return on Equity (ROE) | 8.0548% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.0548% | 1,121 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0282% | 6,092 |
| Assets per employee ($millions) | 6.3072% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 2,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.2288% | 5,706 |
| Net loans and leases to deposits | 67.7431% | 6,150 |
| Net loans and leases to core deposits | 85.2973% | 5,940 |
| Total domestic deposits to total assets | 87.4315% | 1,932 |
| Equity capital to assets | 8.1995% | 6,641 |
| Core capital (leverage) ratio | 8.5064% | 5,477 |
| Tier 1 risk-based capital ratio | 11.4523% | 5,477 |
| Total risk-based capital ratio | 12.7128% | 5,413 |
| Memoranda: | ||
| Average total assets | $140,497,000 | 4,127 |
| Average earning assets | $130,476,000 | 4,097 |
| Average equity | $12,547,000 | 4,650 |
| Average total loans | $90,024,250 | 4,244 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4647% | 4,817 |
| Cost of funding earning assets | 1.2060% | 7,087 |
| Net interest margin | 4.2587% | 1,785 |
| Noninterest income to average assets | 0.1781% | 7,023 |
| Noninterest expense to average assets | 2.5644% | 5,886 |
| Loan and lease loss provision to assets | 0.2449% | 4,622 |
| Net operating income to assets | 0.7672% | 2,981 |
| Return on assets (ROA) | 0.7672% | 3,084 |
| Pretax return on assets | 1.3045% | 2,013 |
| Return on Equity (ROE) | 8.3255% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.3255% | 1,116 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3377% | 6,193 |
| Assets per employee ($millions) | 5.8096% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.0896% | 5,168 |
| Net loans and leases to deposits | 70.5931% | 5,922 |
| Net loans and leases to core deposits | 88.2809% | 5,695 |
| Total domestic deposits to total assets | 89.3708% | 1,098 |
| Equity capital to assets | 8.7351% | 5,704 |
| Core capital (leverage) ratio | 8.5988% | 5,262 |
| Tier 1 risk-based capital ratio | 11.5928% | 5,293 |
| Total risk-based capital ratio | 12.8519% | 5,218 |
| Memoranda: | ||
| Average total assets | $134,769,330 | 4,286 |
| Average earning assets | $124,543,670 | 4,255 |
| Average equity | $12,419,670 | 4,701 |
| Average total loans | $88,368,330 | 4,322 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 4,654 |
| Cost of funding earning assets | 1.3171% | 6,970 |
| Net interest margin | 4.2301% | 1,803 |
| Noninterest income to average assets | 0.1575% | 7,183 |
| Noninterest expense to average assets | 2.6835% | 5,084 |
| Loan and lease loss provision to assets | 0.1575% | 4,916 |
| Net operating income to assets | 0.7102% | 3,504 |
| Return on assets (ROA) | 0.7102% | 3,700 |
| Pretax return on assets | 1.2043% | 2,614 |
| Return on Equity (ROE) | 7.4882% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.4882% | 2,029 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3359% | 5,263 |
| Assets per employee ($millions) | 5.5443% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 3,185 |
| Loan loss allowance to noncurrent loans | 993.1298% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 7,292 |
| Noncurrent loans to loans | 0.1469% | 7,098 |
| Net loans and leases to total assets | 66.0567% | 4,571 |
| Net loans and leases to deposits | 74.4196% | 5,430 |
| Net loans and leases to core deposits | 97.3572% | 4,812 |
| Total domestic deposits to total assets | 88.7625% | 1,354 |
| Equity capital to assets | 9.3196% | 4,909 |
| Core capital (leverage) ratio | 9.6408% | 3,832 |
| Tier 1 risk-based capital ratio | 11.9154% | 5,030 |
| Total risk-based capital ratio | 13.1693% | 4,938 |
| Memoranda: | ||
| Average total assets | $129,533,500 | 4,416 |
| Average earning assets | $119,052,500 | 4,411 |
| Average equity | $12,286,000 | 4,759 |
| Average total loans | $86,029,000 | 4,425 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1461% | 4,796 |
| Cost of funding earning assets | 1.8908% | 6,753 |
| Net interest margin | 4.2553% | 2,104 |
| Noninterest income to average assets | 0.2227% | 6,851 |
| Noninterest expense to average assets | 2.6080% | 5,618 |
| Loan and lease loss provision to assets | 0.2630% | 4,297 |
| Net operating income to assets | 0.7397% | 3,718 |
| Return on assets (ROA) | 0.7397% | 3,555 |
| Pretax return on assets | 1.2567% | 2,456 |
| Return on Equity (ROE) | 7.7208% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.7208% | 924 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1820% | 5,742 |
| Assets per employee ($millions) | 5.0402% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 2,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.7678% | 5,113 |
| Net loans and leases to deposits | 77.2054% | 5,445 |
| Net loans and leases to core deposits | 100.7518% | 4,747 |
| Total domestic deposits to total assets | 83.8902% | 3,374 |
| Equity capital to assets | 9.6592% | 4,473 |
| Core capital (leverage) ratio | 9.5594% | 3,929 |
| Tier 1 risk-based capital ratio | 12.5222% | 4,422 |
| Total risk-based capital ratio | 13.7826% | 4,321 |
| Memoranda: | ||
| Average total assets | $121,663,400 | 4,480 |
| Average earning assets | $111,648,400 | 4,481 |
| Average equity | $11,656,800 | 4,928 |
| Average total loans | $79,184,800 | 4,546 |