Home > Eagle National Bank > Performance and Condition Ratios
Eagle National Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,288 |
| Cost of funding earning assets | 0.3267% | 4,028 |
| Net interest margin | 3.6876% | 2,819 |
| Noninterest income to average assets | 0.2750% | 4,973 |
| Noninterest expense to average assets | 3.4910% | 1,303 |
| Loan and lease loss provision to assets | 0.0108% | 4,056 |
| Net operating income to assets | 0.2357% | 5,602 |
| Return on assets (ROA) | 0.2995% | 5,533 |
| Pretax return on assets | 0.4540% | 5,341 |
| Return on Equity (ROE) | 2.1999% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.5797% | 5,076 |
| Net charge-offs to loans | 0.0883% | 2,283 |
| Credit loss provision to net charge-offs | 17.8571% | 3,380 |
| Earnings coverage of net charge-offs (x) | 6.0713% | 3,109 |
| Efficiency ratio | 89.0219% | 760 |
| Assets per employee ($millions) | 5.2848% | 1,967 |
| Cash dividends to net income (ytd only)* | 28.1935% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 1,565 |
| Loan loss allowance to noncurrent loans | 67.9348% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 1,279 |
| Noncurrent loans to loans | 2.4532% | 834 |
| Net loans and leases to total assets | 67.7872% | 2,710 |
| Net loans and leases to deposits | 79.5983% | 2,926 |
| Net loans and leases to core deposits | 80.6956% | 3,372 |
| Total domestic deposits to total assets | 85.1617% | 2,948 |
| Equity capital to assets | 13.6727% | 1,148 |
| Core capital (leverage) ratio | 13.8490% | 902 |
| Tier 1 risk-based capital ratio | 18.3036% | 1,957 |
| Total risk-based capital ratio | 19.5580% | 1,914 |
| Memoranda: | ||
| Average total assets | $184,734,750 | 3,142 |
| Average earning assets | $179,553,250 | 3,029 |
| Average equity | $25,151,750 | 2,704 |
| Average total loans | $126,845,500 | 2,964 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 3,284 |
| Cost of funding earning assets | 0.3276% | 4,078 |
| Net interest margin | 3.6725% | 2,825 |
| Noninterest income to average assets | 0.3011% | 4,797 |
| Noninterest expense to average assets | 3.5807% | 1,166 |
| Loan and lease loss provision to assets | 0.0162% | 3,801 |
| Net operating income to assets | 0.1804% | 5,739 |
| Return on assets (ROA) | 0.2762% | 5,596 |
| Pretax return on assets | 0.4192% | 5,425 |
| Return on Equity (ROE) | 2.0314% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.5375% | 4,929 |
| Net charge-offs to loans | 0.1437% | 1,632 |
| Credit loss provision to net charge-offs | 16.4835% | 3,051 |
| Earnings coverage of net charge-offs (x) | 2.9451% | 3,266 |
| Efficiency ratio | 90.5428% | 710 |
| Assets per employee ($millions) | 5.0209% | 2,252 |
| Cash dividends to net income (ytd only)* | 24.3137% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 1,701 |
| Loan loss allowance to noncurrent loans | 84.3489% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.4289% | 1,750 |
| Noncurrent loans to loans | 1.9740% | 1,248 |
| Net loans and leases to total assets | 71.1815% | 2,132 |
| Net loans and leases to deposits | 84.1233% | 2,298 |
| Net loans and leases to core deposits | 85.5098% | 2,819 |
| Total domestic deposits to total assets | 84.6157% | 3,289 |
| Equity capital to assets | 14.2223% | 903 |
| Core capital (leverage) ratio | 13.9514% | 851 |
| Tier 1 risk-based capital ratio | 18.2890% | 1,987 |
| Total risk-based capital ratio | 19.5433% | 1,948 |
| Memoranda: | ||
| Average total assets | $184,657,330 | 3,170 |
| Average earning assets | $179,496,670 | 3,045 |
| Average equity | $25,105,670 | 2,715 |
| Average total loans | $126,624,330 | 2,969 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 3,530 |
| Cost of funding earning assets | 0.3240% | 4,176 |
| Net interest margin | 3.5925% | 3,037 |
| Noninterest income to average assets | 0.2432% | 5,233 |
| Noninterest expense to average assets | 3.4962% | 1,322 |
| Loan and lease loss provision to assets | 0.0317% | 3,255 |
| Net operating income to assets | 0.1382% | 5,815 |
| Return on assets (ROA) | 0.2052% | 5,763 |
| Pretax return on assets | 0.3109% | 5,622 |
| Return on Equity (ROE) | 1.5420% | 5,796 |
| Retained earnings to average equity (ytd only) | 0.5564% | 5,209 |
| Net charge-offs to loans | 0.0158% | 2,851 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 22.8000% | 1,340 |
| Efficiency ratio | 91.5676% | 743 |
| Assets per employee ($millions) | 5.3566% | 1,939 |
| Cash dividends to net income (ytd only)* | 63.9175% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 1,633 |
| Loan loss allowance to noncurrent loans | 58.2760% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 2.0766% | 1,120 |
| Noncurrent loans to loans | 2.9878% | 725 |
| Net loans and leases to total assets | 68.2934% | 2,395 |
| Net loans and leases to deposits | 80.5166% | 2,505 |
| Net loans and leases to core deposits | 82.0582% | 2,959 |
| Total domestic deposits to total assets | 84.8191% | 3,494 |
| Equity capital to assets | 13.8615% | 1,029 |
| Core capital (leverage) ratio | 13.5652% | 950 |
| Tier 1 risk-based capital ratio | 18.6851% | 1,951 |
| Total risk-based capital ratio | 19.9401% | 1,908 |
| Memoranda: | ||
| Average total assets | $189,120,500 | 3,131 |
| Average earning assets | $183,937,000 | 3,013 |
| Average equity | $25,162,000 | 2,731 |
| Average total loans | $126,333,500 | 2,976 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,492 |
| Cost of funding earning assets | 0.3776% | 3,935 |
| Net interest margin | 3.6800% | 3,085 |
| Noninterest income to average assets | 0.4156% | 4,074 |
| Noninterest expense to average assets | 3.9321% | 822 |
| Loan and lease loss provision to assets | -0.1721% | 6,256 |
| Net operating income to assets | 0.1439% | 5,889 |
| Return on assets (ROA) | 0.1439% | 5,934 |
| Pretax return on assets | 0.2180% | 5,842 |
| Return on Equity (ROE) | 1.1114% | 5,954 |
| Retained earnings to average equity (ytd only) | 0.4671% | 5,563 |
| Net charge-offs to loans | 0.2321% | 1,816 |
| Credit loss provision to net charge-offs | -108.1967% | 5,534 |
| Earnings coverage of net charge-offs (x) | 0.2885% | 4,670 |
| Efficiency ratio | 97.0114% | 469 |
| Assets per employee ($millions) | 5.9430% | 1,420 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 1,680 |
| Loan loss allowance to noncurrent loans | 57.1205% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.9585% | 1,318 |
| Noncurrent loans to loans | 3.0464% | 735 |
| Net loans and leases to total assets | 63.1717% | 3,337 |
| Net loans and leases to deposits | 77.7716% | 2,999 |
| Net loans and leases to core deposits | 79.7250% | 3,324 |
| Total domestic deposits to total assets | 81.2271% | 4,671 |
| Equity capital to assets | 12.7877% | 1,475 |
| Core capital (leverage) ratio | 13.1434% | 1,087 |
| Tier 1 risk-based capital ratio | 19.5839% | 1,692 |
| Total risk-based capital ratio | 20.8404% | 1,655 |
| Memoranda: | ||
| Average total assets | $191,782,000 | 3,086 |
| Average earning assets | $185,651,400 | 2,968 |
| Average equity | $24,833,800 | 2,682 |
| Average total loans | $131,391,000 | 2,841 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 3,314 |
| Cost of funding earning assets | 0.3905% | 3,891 |
| Net interest margin | 3.7256% | 2,921 |
| Noninterest income to average assets | 0.4370% | 3,979 |
| Noninterest expense to average assets | 3.9860% | 767 |
| Loan and lease loss provision to assets | -0.2573% | 6,430 |
| Net operating income to assets | 0.2098% | 5,833 |
| Return on assets (ROA) | 0.2098% | 5,883 |
| Pretax return on assets | 0.3104% | 5,754 |
| Return on Equity (ROE) | 1.6147% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.8773% | 5,532 |
| Net charge-offs to loans | 0.3134% | 1,273 |
| Credit loss provision to net charge-offs | -117.9487% | 5,475 |
| Earnings coverage of net charge-offs (x) | 0.2436% | 4,418 |
| Efficiency ratio | 96.8669% | 473 |
| Assets per employee ($millions) | 5.4905% | 1,733 |
| Cash dividends to net income (ytd only)* | 45.6661% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 2,179 |
| Loan loss allowance to noncurrent loans | 55.3296% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 2.0211% | 1,410 |
| Noncurrent loans to loans | 2.9575% | 908 |
| Net loans and leases to total assets | 67.2224% | 2,654 |
| Net loans and leases to deposits | 78.7117% | 2,871 |
| Net loans and leases to core deposits | 80.7658% | 3,219 |
| Total domestic deposits to total assets | 85.4034% | 3,156 |
| Equity capital to assets | 12.9720% | 1,443 |
| Core capital (leverage) ratio | 12.5634% | 1,373 |
| Tier 1 risk-based capital ratio | 18.6608% | 2,003 |
| Total risk-based capital ratio | 19.9165% | 1,967 |
| Memoranda: | ||
| Average total assets | $190,698,000 | 3,124 |
| Average earning assets | $184,378,500 | 3,007 |
| Average equity | $24,772,500 | 2,690 |
| Average total loans | $132,717,500 | 2,822 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 3,198 |
| Cost of funding earning assets | 0.3994% | 3,872 |
| Net interest margin | 3.7371% | 2,809 |
| Noninterest income to average assets | 0.5016% | 3,473 |
| Noninterest expense to average assets | 4.1071% | 670 |
| Loan and lease loss provision to assets | -0.4343% | 6,572 |
| Net operating income to assets | 0.2902% | 5,602 |
| Return on assets (ROA) | 0.2902% | 5,670 |
| Pretax return on assets | 0.4395% | 5,450 |
| Return on Equity (ROE) | 2.2329% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.9579% | 4,895 |
| Net charge-offs to loans | 0.3589% | 1,142 |
| Credit loss provision to net charge-offs | -172.8033% | 5,367 |
| Earnings coverage of net charge-offs (x) | 0.0209% | 4,125 |
| Efficiency ratio | 98.0823% | 461 |
| Assets per employee ($millions) | 5.5572% | 1,648 |
| Cash dividends to net income (ytd only)* | 12.3188% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 2,169 |
| Loan loss allowance to noncurrent loans | 51.8333% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.2229% | 1,363 |
| Noncurrent loans to loans | 3.2524% | 860 |
| Net loans and leases to total assets | 67.1940% | 2,551 |
| Net loans and leases to deposits | 78.7953% | 2,692 |
| Net loans and leases to core deposits | 80.6422% | 3,138 |
| Total domestic deposits to total assets | 85.2766% | 3,371 |
| Equity capital to assets | 13.2743% | 1,234 |
| Core capital (leverage) ratio | 12.9102% | 1,191 |
| Tier 1 risk-based capital ratio | 19.2457% | 1,867 |
| Total risk-based capital ratio | 20.5026% | 1,825 |
| Memoranda: | ||
| Average total assets | $190,208,000 | 3,148 |
| Average earning assets | $183,778,330 | 3,033 |
| Average equity | $24,720,670 | 2,690 |
| Average total loans | $133,180,330 | 2,816 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 3,028 |
| Cost of funding earning assets | 0.3997% | 3,973 |
| Net interest margin | 3.7623% | 2,627 |
| Noninterest income to average assets | 0.5240% | 3,235 |
| Noninterest expense to average assets | 4.0558% | 708 |
| Loan and lease loss provision to assets | -0.5240% | 6,666 |
| Net operating income to assets | 0.4108% | 5,077 |
| Return on assets (ROA) | 0.4108% | 5,143 |
| Pretax return on assets | 0.6225% | 4,755 |
| Return on Equity (ROE) | 3.1947% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.6405% | 4,491 |
| Net charge-offs to loans | -0.0473% | 5,783 |
| Credit loss provision to net charge-offs | 1,562.5000% | 208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8628% | 649 |
| Assets per employee ($millions) | 6.1441% | 1,205 |
| Cash dividends to net income (ytd only)* | 17.3469% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 1,613 |
| Loan loss allowance to noncurrent loans | 65.6297% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.0760% | 1,624 |
| Noncurrent loans to loans | 2.9770% | 1,067 |
| Net loans and leases to total assets | 68.3714% | 2,164 |
| Net loans and leases to deposits | 79.6230% | 2,348 |
| Net loans and leases to core deposits | 81.4568% | 2,797 |
| Total domestic deposits to total assets | 85.8689% | 3,431 |
| Equity capital to assets | 12.9828% | 1,313 |
| Core capital (leverage) ratio | 12.8353% | 1,232 |
| Tier 1 risk-based capital ratio | 18.8819% | 2,001 |
| Total risk-based capital ratio | 20.1427% | 1,960 |
| Memoranda: | ||
| Average total assets | $190,840,000 | 3,156 |
| Average earning assets | $184,141,500 | 3,046 |
| Average equity | $24,540,500 | 2,691 |
| Average total loans | $135,202,500 | 2,809 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 3,011 |
| Cost of funding earning assets | 0.4628% | 3,991 |
| Net interest margin | 3.8239% | 2,555 |
| Noninterest income to average assets | 0.5197% | 3,637 |
| Noninterest expense to average assets | 3.9437% | 929 |
| Loan and lease loss provision to assets | -0.2689% | 6,656 |
| Net operating income to assets | 0.3409% | 5,375 |
| Return on assets (ROA) | 0.3641% | 5,396 |
| Pretax return on assets | 0.5456% | 5,059 |
| Return on Equity (ROE) | 2.9051% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.8061% | 4,248 |
| Net charge-offs to loans | 0.2340% | 2,578 |
| Credit loss provision to net charge-offs | -158.5366% | 5,959 |
| Earnings coverage of net charge-offs (x) | 1.4268% | 4,577 |
| Efficiency ratio | 92.4883% | 844 |
| Assets per employee ($millions) | 6.1682% | 1,163 |
| Cash dividends to net income (ytd only)* | 3.4091% | 4,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 1,434 |
| Loan loss allowance to noncurrent loans | 45.0693% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 3.5426% | 821 |
| Noncurrent loans to loans | 4.5623% | 580 |
| Net loans and leases to total assets | 70.4743% | 1,940 |
| Net loans and leases to deposits | 82.8381% | 2,087 |
| Net loans and leases to core deposits | 84.7559% | 2,582 |
| Total domestic deposits to total assets | 85.0748% | 3,702 |
| Equity capital to assets | 12.7361% | 1,404 |
| Core capital (leverage) ratio | 12.5828% | 1,313 |
| Tier 1 risk-based capital ratio | 18.1064% | 2,216 |
| Total risk-based capital ratio | 19.3684% | 2,175 |
| Memoranda: | ||
| Average total assets | $193,370,000 | 3,105 |
| Average earning assets | $185,385,400 | 3,018 |
| Average equity | $24,233,000 | 2,710 |
| Average total loans | $140,161,200 | 2,692 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,927 |
| Cost of funding earning assets | 0.4788% | 3,975 |
| Net interest margin | 3.8363% | 2,515 |
| Noninterest income to average assets | 0.4016% | 4,526 |
| Noninterest expense to average assets | 3.9598% | 892 |
| Loan and lease loss provision to assets | -0.1513% | 6,679 |
| Net operating income to assets | 0.1692% | 5,988 |
| Return on assets (ROA) | 0.1987% | 5,996 |
| Pretax return on assets | 0.3135% | 5,837 |
| Return on Equity (ROE) | 1.5920% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.4598% | 5,402 |
| Net charge-offs to loans | 0.2329% | 2,408 |
| Credit loss provision to net charge-offs | -89.4309% | 5,767 |
| Earnings coverage of net charge-offs (x) | 0.6870% | 4,621 |
| Efficiency ratio | 95.3779% | 657 |
| Assets per employee ($millions) | 5.6989% | 1,448 |
| Cash dividends to net income (ytd only)* | 8.3048% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3917% | 1,056 |
| Loan loss allowance to noncurrent loans | 46.9925% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 4.0111% | 775 |
| Noncurrent loans to loans | 5.0895% | 579 |
| Net loans and leases to total assets | 67.6318% | 2,347 |
| Net loans and leases to deposits | 78.4913% | 2,587 |
| Net loans and leases to core deposits | 80.3234% | 3,093 |
| Total domestic deposits to total assets | 86.1646% | 3,152 |
| Equity capital to assets | 12.4760% | 1,588 |
| Core capital (leverage) ratio | 12.3420% | 1,497 |
| Tier 1 risk-based capital ratio | 18.7220% | 2,074 |
| Total risk-based capital ratio | 19.9885% | 2,038 |
| Memoranda: | ||
| Average total assets | $193,909,250 | 3,123 |
| Average earning assets | $185,732,000 | 3,035 |
| Average equity | $24,203,000 | 2,738 |
| Average total loans | $140,805,250 | 2,695 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 2,444 |
| Cost of funding earning assets | 0.4990% | 3,913 |
| Net interest margin | 3.9348% | 2,091 |
| Noninterest income to average assets | 0.4434% | 4,216 |
| Noninterest expense to average assets | 4.0514% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0907% | 6,147 |
| Return on assets (ROA) | 0.0907% | 6,231 |
| Pretax return on assets | 0.1567% | 6,149 |
| Return on Equity (ROE) | 0.7269% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.5286% | 5,692 |
| Net charge-offs to loans | 0.2462% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.8636% | 4,242 |
| Efficiency ratio | 94.5602% | 735 |
| Assets per employee ($millions) | 5.3238% | 1,769 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5271% | 959 |
| Loan loss allowance to noncurrent loans | 44.2828% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 4.5618% | 715 |
| Noncurrent loans to loans | 5.7067% | 527 |
| Net loans and leases to total assets | 70.4578% | 1,810 |
| Net loans and leases to deposits | 81.6556% | 2,096 |
| Net loans and leases to core deposits | 83.8089% | 2,589 |
| Total domestic deposits to total assets | 86.2865% | 3,211 |
| Equity capital to assets | 12.5364% | 1,553 |
| Core capital (leverage) ratio | 11.9415% | 1,644 |
| Tier 1 risk-based capital ratio | 18.0554% | 2,298 |
| Total risk-based capital ratio | 19.3236% | 2,252 |
| Memoranda: | ||
| Average total assets | $193,957,670 | 3,141 |
| Average earning assets | $185,575,330 | 3,040 |
| Average equity | $24,212,670 | 2,747 |
| Average total loans | $142,988,000 | 2,671 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 1,875 |
| Cost of funding earning assets | 0.5276% | 3,808 |
| Net interest margin | 4.0577% | 1,596 |
| Noninterest income to average assets | 0.5043% | 3,744 |
| Noninterest expense to average assets | 4.1024% | 792 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1866% | 5,932 |
| Return on assets (ROA) | 0.1866% | 6,044 |
| Pretax return on assets | 0.2809% | 5,898 |
| Return on Equity (ROE) | 1.4976% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.4976% | 5,237 |
| Net charge-offs to loans | -0.0881% | 6,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9551% | 988 |
| Assets per employee ($millions) | 5.6112% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6297% | 982 |
| Loan loss allowance to noncurrent loans | 61.9405% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.0490% | 1,464 |
| Noncurrent loans to loans | 4.2456% | 1,021 |
| Net loans and leases to total assets | 69.9271% | 1,671 |
| Net loans and leases to deposits | 80.9159% | 1,962 |
| Net loans and leases to core deposits | 82.9901% | 2,460 |
| Total domestic deposits to total assets | 86.4196% | 3,291 |
| Equity capital to assets | 12.3838% | 1,785 |
| Core capital (leverage) ratio | 11.8941% | 1,624 |
| Tier 1 risk-based capital ratio | 17.9393% | 2,395 |
| Total risk-based capital ratio | 19.2095% | 2,347 |
| Memoranda: | ||
| Average total assets | $195,107,500 | 3,158 |
| Average earning assets | $186,510,500 | 3,065 |
| Average equity | $24,305,500 | 2,775 |
| Average total loans | $145,212,500 | 2,648 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 1,739 |
| Cost of funding earning assets | 0.6871% | 3,596 |
| Net interest margin | 4.2451% | 1,533 |
| Noninterest income to average assets | 0.3513% | 4,951 |
| Noninterest expense to average assets | 4.1140% | 847 |
| Loan and lease loss provision to assets | 0.0497% | 5,196 |
| Net operating income to assets | 0.1403% | 5,909 |
| Return on assets (ROA) | 0.2544% | 5,825 |
| Pretax return on assets | 0.3851% | 5,610 |
| Return on Equity (ROE) | 2.1030% | 5,869 |
| Retained earnings to average equity (ytd only) | 2.1030% | 4,744 |
| Net charge-offs to loans | 0.4477% | 2,437 |
| Credit loss provision to net charge-offs | 14.5985% | 5,348 |
| Earnings coverage of net charge-offs (x) | 0.7693% | 5,092 |
| Efficiency ratio | 92.4265% | 890 |
| Assets per employee ($millions) | 5.2384% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 1,169 |
| Loan loss allowance to noncurrent loans | 64.3732% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 4.0769% | 1,039 |
| Noncurrent loans to loans | 3.8237% | 1,267 |
| Net loans and leases to total assets | 75.1757% | 1,024 |
| Net loans and leases to deposits | 86.9919% | 1,385 |
| Net loans and leases to core deposits | 89.6620% | 1,872 |
| Total domestic deposits to total assets | 86.4169% | 3,142 |
| Equity capital to assets | 12.5321% | 1,686 |
| Core capital (leverage) ratio | 11.1742% | 2,102 |
| Tier 1 risk-based capital ratio | 16.5581% | 2,859 |
| Total risk-based capital ratio | 17.8259% | 2,822 |
| Memoranda: | ||
| Average total assets | $201,266,400 | 3,023 |
| Average earning assets | $190,809,000 | 2,944 |
| Average equity | $24,345,800 | 2,728 |
| Average total loans | $153,019,200 | 2,530 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 1,739 |
| Cost of funding earning assets | 0.7128% | 3,654 |
| Net interest margin | 4.2678% | 1,557 |
| Noninterest income to average assets | 0.3951% | 4,674 |
| Noninterest expense to average assets | 4.0335% | 898 |
| Loan and lease loss provision to assets | 0.0656% | 4,879 |
| Net operating income to assets | 0.2257% | 5,851 |
| Return on assets (ROA) | 0.2166% | 6,049 |
| Pretax return on assets | 0.3262% | 5,904 |
| Return on Equity (ROE) | 1.8062% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.8062% | 5,432 |
| Net charge-offs to loans | 0.2070% | 3,490 |
| Credit loss provision to net charge-offs | 41.8410% | 4,577 |
| Earnings coverage of net charge-offs (x) | 2.5858% | 4,006 |
| Efficiency ratio | 89.3095% | 1,086 |
| Assets per employee ($millions) | 5.5967% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7196% | 962 |
| Loan loss allowance to noncurrent loans | 46.2116% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 5.3950% | 798 |
| Noncurrent loans to loans | 5.8851% | 704 |
| Net loans and leases to total assets | 71.2187% | 1,691 |
| Net loans and leases to deposits | 82.1381% | 2,100 |
| Net loans and leases to core deposits | 84.3311% | 2,659 |
| Total domestic deposits to total assets | 86.7060% | 2,847 |
| Equity capital to assets | 11.8583% | 2,383 |
| Core capital (leverage) ratio | 11.2515% | 2,178 |
| Tier 1 risk-based capital ratio | 16.0513% | 3,238 |
| Total risk-based capital ratio | 17.3227% | 3,199 |
| Memoranda: | ||
| Average total assets | $203,127,500 | 3,039 |
| Average earning assets | $192,477,500 | 2,957 |
| Average equity | $24,359,750 | 2,746 |
| Average total loans | $153,928,000 | 2,544 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 1,597 |
| Cost of funding earning assets | 0.7675% | 3,458 |
| Net interest margin | 4.3015% | 1,476 |
| Noninterest income to average assets | 0.3994% | 4,653 |
| Noninterest expense to average assets | 4.1306% | 801 |
| Loan and lease loss provision to assets | 0.0545% | 4,978 |
| Net operating income to assets | 0.1882% | 5,954 |
| Return on assets (ROA) | 0.1744% | 6,164 |
| Pretax return on assets | 0.2646% | 6,027 |
| Return on Equity (ROE) | 1.4489% | 6,203 |
| Retained earnings to average equity (ytd only) | 1.4489% | 5,470 |
| Net charge-offs to loans | 0.3775% | 2,506 |
| Credit loss provision to net charge-offs | 18.8356% | 4,626 |
| Earnings coverage of net charge-offs (x) | 1.1747% | 4,425 |
| Efficiency ratio | 90.8446% | 1,012 |
| Assets per employee ($millions) | 5.1061% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5837% | 1,171 |
| Loan loss allowance to noncurrent loans | 49.2054% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 5.2376% | 887 |
| Noncurrent loans to loans | 5.2509% | 910 |
| Net loans and leases to total assets | 76.2073% | 941 |
| Net loans and leases to deposits | 88.2477% | 1,349 |
| Net loans and leases to core deposits | 90.7594% | 1,901 |
| Total domestic deposits to total assets | 86.3561% | 3,162 |
| Equity capital to assets | 12.2373% | 1,975 |
| Core capital (leverage) ratio | 11.3229% | 2,027 |
| Tier 1 risk-based capital ratio | 15.3817% | 3,514 |
| Total risk-based capital ratio | 16.6515% | 3,465 |
| Memoranda: | ||
| Average total assets | $201,810,330 | 3,063 |
| Average earning assets | $191,001,670 | 2,980 |
| Average equity | $24,294,330 | 2,738 |
| Average total loans | $154,703,330 | 2,540 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 1,436 |
| Cost of funding earning assets | 0.8823% | 2,819 |
| Net interest margin | 4.2659% | 1,573 |
| Noninterest income to average assets | 0.2717% | 5,700 |
| Noninterest expense to average assets | 4.0896% | 835 |
| Loan and lease loss provision to assets | 0.0886% | 4,255 |
| Net operating income to assets | 0.0866% | 6,264 |
| Return on assets (ROA) | 0.0866% | 6,385 |
| Pretax return on assets | 0.1300% | 6,335 |
| Return on Equity (ROE) | 0.7256% | 6,400 |
| Retained earnings to average equity (ytd only) | 0.7256% | 5,769 |
| Net charge-offs to loans | 0.7213% | 1,397 |
| Credit loss provision to net charge-offs | 16.1871% | 3,830 |
| Earnings coverage of net charge-offs (x) | 0.3993% | 4,155 |
| Efficiency ratio | 93.3272% | 861 |
| Assets per employee ($millions) | 5.2725% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5620% | 1,276 |
| Loan loss allowance to noncurrent loans | 50.6856% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 5.0904% | 1,012 |
| Noncurrent loans to loans | 5.0546% | 1,106 |
| Net loans and leases to total assets | 76.4809% | 749 |
| Net loans and leases to deposits | 88.6330% | 1,091 |
| Net loans and leases to core deposits | 91.0411% | 1,747 |
| Total domestic deposits to total assets | 86.2894% | 3,368 |
| Equity capital to assets | 12.1094% | 1,970 |
| Core capital (leverage) ratio | 10.8056% | 2,435 |
| Tier 1 risk-based capital ratio | 15.0157% | 3,752 |
| Total risk-based capital ratio | 16.2844% | 3,692 |
| Memoranda: | ||
| Average total assets | $203,147,000 | 3,072 |
| Average earning assets | $192,222,500 | 2,996 |
| Average equity | $24,257,000 | 2,742 |
| Average total loans | $154,164,000 | 2,571 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5455% | 1,066 |
| Cost of funding earning assets | 0.9715% | 3,570 |
| Net interest margin | 4.5740% | 972 |
| Noninterest income to average assets | 0.5646% | 3,395 |
| Noninterest expense to average assets | 4.3407% | 692 |
| Loan and lease loss provision to assets | 0.0809% | 5,604 |
| Net operating income to assets | 0.3216% | 5,185 |
| Return on assets (ROA) | 0.3111% | 5,366 |
| Pretax return on assets | 0.4536% | 5,118 |
| Return on Equity (ROE) | 2.9132% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.9132% | 4,166 |
| Net charge-offs to loans | 0.7168% | 2,367 |
| Credit loss provision to net charge-offs | 15.2542% | 5,966 |
| Earnings coverage of net charge-offs (x) | 1.0364% | 5,014 |
| Efficiency ratio | 87.4713% | 1,405 |
| Assets per employee ($millions) | 5.1485% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8213% | 956 |
| Loan loss allowance to noncurrent loans | 51.8681% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 5.0826% | 1,044 |
| Noncurrent loans to loans | 5.4394% | 976 |
| Net loans and leases to total assets | 71.2850% | 1,771 |
| Net loans and leases to deposits | 86.9779% | 1,530 |
| Net loans and leases to core deposits | 89.6069% | 2,179 |
| Total domestic deposits to total assets | 81.9577% | 5,142 |
| Equity capital to assets | 11.7764% | 2,283 |
| Core capital (leverage) ratio | 10.5367% | 2,678 |
| Tier 1 risk-based capital ratio | 15.4668% | 3,352 |
| Total risk-based capital ratio | 16.7386% | 3,287 |
| Memoranda: | ||
| Average total assets | $222,451,400 | 2,816 |
| Average earning assets | $210,386,800 | 2,727 |
| Average equity | $23,754,000 | 2,695 |
| Average total loans | $164,630,200 | 2,432 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 1,742 |
| Cost of funding earning assets | 0.9882% | 3,764 |
| Net interest margin | 4.3453% | 1,574 |
| Noninterest income to average assets | 0.6661% | 2,794 |
| Noninterest expense to average assets | 4.3545% | 666 |
| Loan and lease loss provision to assets | -0.0265% | 7,312 |
| Net operating income to assets | 0.2952% | 5,412 |
| Return on assets (ROA) | 0.2913% | 5,597 |
| Pretax return on assets | 0.4413% | 5,337 |
| Return on Equity (ROE) | 2.7930% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.7930% | 4,685 |
| Net charge-offs to loans | 0.3857% | 3,191 |
| Credit loss provision to net charge-offs | -9.2593% | 6,409 |
| Earnings coverage of net charge-offs (x) | 1.4712% | 4,530 |
| Efficiency ratio | 89.8953% | 1,171 |
| Assets per employee ($millions) | 5.4817% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0385% | 837 |
| Loan loss allowance to noncurrent loans | 114.1100% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 2.9170% | 2,214 |
| Noncurrent loans to loans | 2.6628% | 2,616 |
| Net loans and leases to total assets | 68.8524% | 2,303 |
| Net loans and leases to deposits | 83.1696% | 2,150 |
| Net loans and leases to core deposits | 85.3793% | 2,862 |
| Total domestic deposits to total assets | 82.7855% | 4,762 |
| Equity capital to assets | 11.0034% | 3,142 |
| Core capital (leverage) ratio | 9.9951% | 3,451 |
| Tier 1 risk-based capital ratio | 14.8151% | 3,772 |
| Total risk-based capital ratio | 16.0897% | 3,733 |
| Memoranda: | ||
| Average total assets | $226,579,750 | 2,778 |
| Average earning assets | $214,263,250 | 2,690 |
| Average equity | $23,629,500 | 2,710 |
| Average total loans | $168,021,500 | 2,409 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 1,637 |
| Cost of funding earning assets | 1.0051% | 3,918 |
| Net interest margin | 4.3686% | 1,468 |
| Noninterest income to average assets | 0.8218% | 1,925 |
| Noninterest expense to average assets | 4.4818% | 605 |
| Loan and lease loss provision to assets | -0.0524% | 7,397 |
| Net operating income to assets | 0.3446% | 5,197 |
| Return on assets (ROA) | 0.3388% | 5,353 |
| Pretax return on assets | 0.5135% | 5,015 |
| Return on Equity (ROE) | 3.3072% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.3072% | 4,155 |
| Net charge-offs to loans | 0.4985% | 2,611 |
| Credit loss provision to net charge-offs | -13.9860% | 6,188 |
| Earnings coverage of net charge-offs (x) | 1.2541% | 4,348 |
| Efficiency ratio | 89.2769% | 1,300 |
| Assets per employee ($millions) | 5.0239% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9778% | 917 |
| Loan loss allowance to noncurrent loans | 100.4842% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 3.1667% | 2,122 |
| Noncurrent loans to loans | 2.9634% | 2,450 |
| Net loans and leases to total assets | 70.3525% | 2,146 |
| Net loans and leases to deposits | 86.7050% | 1,691 |
| Net loans and leases to core deposits | 90.6233% | 2,299 |
| Total domestic deposits to total assets | 81.1401% | 5,480 |
| Equity capital to assets | 10.7586% | 3,214 |
| Core capital (leverage) ratio | 9.7964% | 3,526 |
| Tier 1 risk-based capital ratio | 14.2608% | 3,972 |
| Total risk-based capital ratio | 15.5343% | 3,926 |
| Memoranda: | ||
| Average total assets | $229,016,670 | 2,763 |
| Average earning assets | $216,497,330 | 2,683 |
| Average equity | $23,463,670 | 2,705 |
| Average total loans | $172,127,670 | 2,380 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4041% | 1,543 |
| Cost of funding earning assets | 1.0075% | 4,152 |
| Net interest margin | 4.3966% | 1,287 |
| Noninterest income to average assets | 0.7365% | 2,341 |
| Noninterest expense to average assets | 4.6146% | 530 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1847% | 5,836 |
| Return on assets (ROA) | 0.1734% | 5,921 |
| Pretax return on assets | 0.2627% | 5,766 |
| Return on Equity (ROE) | 1.7336% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.7336% | 5,082 |
| Net charge-offs to loans | -0.0180% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0551% | 1,098 |
| Assets per employee ($millions) | 4.9355% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0525% | 870 |
| Loan loss allowance to noncurrent loans | 103.1109% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 3.4535% | 1,973 |
| Noncurrent loans to loans | 2.9604% | 2,539 |
| Net loans and leases to total assets | 72.1553% | 1,688 |
| Net loans and leases to deposits | 88.8871% | 1,368 |
| Net loans and leases to core deposits | 93.1031% | 1,997 |
| Total domestic deposits to total assets | 81.1764% | 5,612 |
| Equity capital to assets | 10.0531% | 3,706 |
| Core capital (leverage) ratio | 9.1630% | 4,352 |
| Tier 1 risk-based capital ratio | 13.3989% | 4,502 |
| Total risk-based capital ratio | 14.6744% | 4,459 |
| Memoranda: | ||
| Average total assets | $232,999,500 | 2,748 |
| Average earning assets | $220,351,000 | 2,659 |
| Average equity | $23,304,500 | 2,712 |
| Average total loans | $178,047,500 | 2,336 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 2,167 |
| Cost of funding earning assets | 1.3957% | 3,299 |
| Net interest margin | 4.1329% | 2,438 |
| Noninterest income to average assets | 2.1598% | 349 |
| Noninterest expense to average assets | 5.2094% | 363 |
| Loan and lease loss provision to assets | 1.0810% | 1,483 |
| Net operating income to assets | -0.1293% | 6,024 |
| Return on assets (ROA) | -0.1698% | 6,131 |
| Pretax return on assets | -0.2517% | 6,128 |
| Return on Equity (ROE) | -1.8755% | 6,160 |
| Retained earnings to average equity (ytd only) | -1.8755% | 5,951 |
| Net charge-offs to loans | 0.9512% | 2,281 |
| Credit loss provision to net charge-offs | 146.5825% | 2,508 |
| Earnings coverage of net charge-offs (x) | 1.2066% | 4,900 |
| Efficiency ratio | 84.3675% | 1,880 |
| Assets per employee ($millions) | 4.5006% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8684% | 984 |
| Loan loss allowance to noncurrent loans | 96.2678% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 3.5748% | 1,927 |
| Noncurrent loans to loans | 2.9796% | 2,567 |
| Net loans and leases to total assets | 76.1377% | 1,247 |
| Net loans and leases to deposits | 93.1521% | 1,129 |
| Net loans and leases to core deposits | 97.4162% | 1,851 |
| Total domestic deposits to total assets | 81.7348% | 5,271 |
| Equity capital to assets | 9.9513% | 3,807 |
| Core capital (leverage) ratio | 8.6799% | 5,056 |
| Tier 1 risk-based capital ratio | 12.7495% | 4,822 |
| Total risk-based capital ratio | 14.0228% | 4,761 |
| Memoranda: | ||
| Average total assets | $257,897,600 | 2,470 |
| Average earning assets | $245,833,600 | 2,372 |
| Average equity | $23,353,600 | 2,716 |
| Average total loans | $199,955,800 | 2,155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5372% | 2,299 |
| Cost of funding earning assets | 1.4757% | 3,116 |
| Net interest margin | 4.0614% | 2,803 |
| Noninterest income to average assets | 2.4977% | 279 |
| Noninterest expense to average assets | 5.7649% | 238 |
| Loan and lease loss provision to assets | 0.2653% | 4,456 |
| Net operating income to assets | 0.3025% | 5,152 |
| Return on assets (ROA) | 0.2309% | 5,576 |
| Pretax return on assets | 0.2633% | 5,581 |
| Return on Equity (ROE) | 2.6073% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.6073% | 4,592 |
| Net charge-offs to loans | 0.3691% | 3,834 |
| Credit loss provision to net charge-offs | 92.9204% | 4,662 |
| Earnings coverage of net charge-offs (x) | 2.1363% | 4,120 |
| Efficiency ratio | 89.4103% | 1,331 |
| Assets per employee ($millions) | 4.8648% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 1,637 |
| Loan loss allowance to noncurrent loans | 71.7287% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.7698% | 2,615 |
| Noncurrent loans to loans | 3.1995% | 2,489 |
| Net loans and leases to total assets | 74.4041% | 1,715 |
| Net loans and leases to deposits | 93.8881% | 1,213 |
| Net loans and leases to core deposits | 97.9290% | 2,051 |
| Total domestic deposits to total assets | 79.2476% | 5,955 |
| Equity capital to assets | 9.7894% | 4,427 |
| Core capital (leverage) ratio | 9.1101% | 4,516 |
| Tier 1 risk-based capital ratio | 12.5896% | 4,903 |
| Total risk-based capital ratio | 13.8532% | 4,870 |
| Memoranda: | ||
| Average total assets | $263,864,500 | 2,454 |
| Average earning assets | $251,890,750 | 2,353 |
| Average equity | $23,369,750 | 2,767 |
| Average total loans | $204,083,000 | 2,151 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 2,459 |
| Cost of funding earning assets | 1.5704% | 2,834 |
| Net interest margin | 3.9451% | 3,259 |
| Noninterest income to average assets | 2.6271% | 253 |
| Noninterest expense to average assets | 5.8517% | 232 |
| Loan and lease loss provision to assets | 0.1895% | 4,984 |
| Net operating income to assets | 0.2298% | 5,461 |
| Return on assets (ROA) | 0.1509% | 5,838 |
| Pretax return on assets | 0.2282% | 5,708 |
| Return on Equity (ROE) | 1.7603% | 5,707 |
| Retained earnings to average equity (ytd only) | 1.7603% | 4,985 |
| Net charge-offs to loans | 0.2295% | 4,222 |
| Credit loss provision to net charge-offs | 106.2500% | 3,837 |
| Earnings coverage of net charge-offs (x) | 3.0125% | 3,493 |
| Efficiency ratio | 90.5316% | 1,294 |
| Assets per employee ($millions) | 2.7186% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 2,042 |
| Loan loss allowance to noncurrent loans | 65.8222% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.9824% | 2,390 |
| Noncurrent loans to loans | 3.1375% | 2,557 |
| Net loans and leases to total assets | 78.1564% | 1,086 |
| Net loans and leases to deposits | 102.0956% | 591 |
| Net loans and leases to core deposits | 106.6163% | 1,397 |
| Total domestic deposits to total assets | 76.5522% | 6,593 |
| Equity capital to assets | 8.9139% | 5,584 |
| Core capital (leverage) ratio | 8.5469% | 5,332 |
| Tier 1 risk-based capital ratio | 11.2696% | 5,974 |
| Total risk-based capital ratio | 12.5315% | 5,946 |
| Memoranda: | ||
| Average total assets | $269,117,330 | 2,429 |
| Average earning assets | $256,625,330 | 2,338 |
| Average equity | $23,063,670 | 2,793 |
| Average total loans | $209,131,670 | 2,134 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 2,499 |
| Cost of funding earning assets | 1.6981% | 2,399 |
| Net interest margin | 3.8212% | 3,700 |
| Noninterest income to average assets | 2.2450% | 291 |
| Noninterest expense to average assets | 6.1923% | 202 |
| Loan and lease loss provision to assets | 0.2218% | 4,281 |
| Net operating income to assets | -0.3461% | 6,706 |
| Return on assets (ROA) | -0.3461% | 6,756 |
| Pretax return on assets | -0.5250% | 6,803 |
| Return on Equity (ROE) | -4.1195% | 6,828 |
| Retained earnings to average equity (ytd only) | -4.1195% | 6,510 |
| Net charge-offs to loans | 0.0058% | 5,531 |
| Credit loss provision to net charge-offs | 5,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | -68.3333% | 5,601 |
| Efficiency ratio | 104.0181% | 730 |
| Assets per employee ($millions) | 2.6461% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 1,819 |
| Loan loss allowance to noncurrent loans | 54.2782% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 3.3216% | 2,154 |
| Noncurrent loans to loans | 3.9929% | 1,964 |
| Net loans and leases to total assets | 76.3968% | 1,457 |
| Net loans and leases to deposits | 99.0804% | 817 |
| Net loans and leases to core deposits | 105.5845% | 1,611 |
| Total domestic deposits to total assets | 77.1059% | 6,534 |
| Equity capital to assets | 8.5279% | 5,969 |
| Core capital (leverage) ratio | 8.2992% | 5,744 |
| Tier 1 risk-based capital ratio | 10.8489% | 6,294 |
| Total risk-based capital ratio | 12.1111% | 6,266 |
| Memoranda: | ||
| Average total assets | $270,463,000 | 2,468 |
| Average earning assets | $257,929,500 | 2,371 |
| Average equity | $22,721,000 | 2,847 |
| Average total loans | $207,387,500 | 2,200 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6155% | 3,524 |
| Cost of funding earning assets | 2.4931% | 1,039 |
| Net interest margin | 3.1224% | 6,302 |
| Noninterest income to average assets | 3.9482% | 170 |
| Noninterest expense to average assets | 5.6586% | 361 |
| Loan and lease loss provision to assets | 1.6677% | 1,376 |
| Net operating income to assets | -0.1441% | 5,754 |
| Return on assets (ROA) | -0.1441% | 5,751 |
| Pretax return on assets | -0.4042% | 5,920 |
| Return on Equity (ROE) | -1.7392% | 5,815 |
| Retained earnings to average equity (ytd only) | -1.7392% | 5,445 |
| Net charge-offs to loans | 1.1434% | 2,138 |
| Credit loss provision to net charge-offs | 190.9774% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.4470% | 4,679 |
| Efficiency ratio | 80.7873% | 2,774 |
| Assets per employee ($millions) | 2.5340% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1234% | 1,782 |
| Loan loss allowance to noncurrent loans | 80.8424% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 2.1767% | 3,159 |
| Noncurrent loans to loans | 2.6266% | 2,930 |
| Net loans and leases to total assets | 73.7023% | 2,336 |
| Net loans and leases to deposits | 92.2885% | 1,852 |
| Net loans and leases to core deposits | 118.8928% | 2,046 |
| Total domestic deposits to total assets | 79.8607% | 5,711 |
| Equity capital to assets | 8.2766% | 6,227 |
| Core capital (leverage) ratio | 7.9443% | 6,269 |
| Tier 1 risk-based capital ratio | 10.7273% | 6,177 |
| Total risk-based capital ratio | 11.9879% | 6,148 |
| Memoranda: | ||
| Average total assets | $274,149,400 | 2,388 |
| Average earning assets | $261,116,800 | 2,321 |
| Average equity | $22,711,200 | 2,862 |
| Average total loans | $209,379,200 | 2,207 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6161% | 3,766 |
| Cost of funding earning assets | 2.6740% | 853 |
| Net interest margin | 2.9421% | 6,746 |
| Noninterest income to average assets | 4.1063% | 162 |
| Noninterest expense to average assets | 5.5725% | 363 |
| Loan and lease loss provision to assets | 0.6611% | 2,762 |
| Net operating income to assets | 0.5897% | 3,636 |
| Return on assets (ROA) | 0.5897% | 3,701 |
| Pretax return on assets | 0.6733% | 3,947 |
| Return on Equity (ROE) | 7.1164% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.1164% | 1,457 |
| Net charge-offs to loans | 0.8772% | 2,210 |
| Credit loss provision to net charge-offs | 98.3369% | 5,204 |
| Earnings coverage of net charge-offs (x) | 1.9848% | 4,330 |
| Efficiency ratio | 79.7227% | 2,892 |
| Assets per employee ($millions) | 2.8156% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 6,017 |
| Loan loss allowance to noncurrent loans | 31.9618% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 2.7105% | 2,565 |
| Noncurrent loans to loans | 3.2799% | 2,304 |
| Net loans and leases to total assets | 72.1946% | 2,992 |
| Net loans and leases to deposits | 88.8027% | 2,820 |
| Net loans and leases to core deposits | 115.3777% | 2,682 |
| Total domestic deposits to total assets | 81.2978% | 4,963 |
| Equity capital to assets | 8.5796% | 6,136 |
| Core capital (leverage) ratio | 8.4571% | 5,567 |
| Tier 1 risk-based capital ratio | 12.3533% | 4,665 |
| Total risk-based capital ratio | 13.4823% | 4,705 |
| Memoranda: | ||
| Average total assets | $274,268,250 | 2,397 |
| Average earning assets | $261,074,750 | 2,328 |
| Average equity | $22,726,250 | 2,882 |
| Average total loans | $210,204,000 | 2,212 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6779% | 3,678 |
| Cost of funding earning assets | 2.8448% | 703 |
| Net interest margin | 2.8331% | 6,948 |
| Noninterest income to average assets | 4.4489% | 149 |
| Noninterest expense to average assets | 5.4773% | 385 |
| Loan and lease loss provision to assets | 0.3765% | 3,669 |
| Net operating income to assets | 1.1052% | 1,756 |
| Return on assets (ROA) | 1.1052% | 1,834 |
| Pretax return on assets | 1.2809% | 2,082 |
| Return on Equity (ROE) | 13.5053% | 1,069 |
| Retained earnings to average equity (ytd only) | 13.5053% | 283 |
| Net charge-offs to loans | 0.5078% | 2,804 |
| Credit loss provision to net charge-offs | 95.1493% | 4,770 |
| Earnings coverage of net charge-offs (x) | 4.1884% | 3,182 |
| Efficiency ratio | 75.8278% | 3,724 |
| Assets per employee ($millions) | 2.8903% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,270 |
| Loan loss allowance to noncurrent loans | 74.2564% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3965% | 4,165 |
| Noncurrent loans to loans | 1.3437% | 4,524 |
| Net loans and leases to total assets | 77.6672% | 1,825 |
| Net loans and leases to deposits | 96.7027% | 1,699 |
| Net loans and leases to core deposits | 129.9031% | 1,575 |
| Total domestic deposits to total assets | 80.3154% | 5,349 |
| Equity capital to assets | 8.4712% | 6,091 |
| Core capital (leverage) ratio | 8.5662% | 5,322 |
| Tier 1 risk-based capital ratio | 11.8006% | 5,100 |
| Total risk-based capital ratio | 12.8902% | 5,182 |
| Memoranda: | ||
| Average total assets | $270,900,000 | 2,439 |
| Average earning assets | $256,819,000 | 2,385 |
| Average equity | $22,169,000 | 2,955 |
| Average total loans | $211,113,000 | 2,237 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7459% | 3,553 |
| Cost of funding earning assets | 3.0370% | 550 |
| Net interest margin | 2.7089% | 7,184 |
| Noninterest income to average assets | 4.1911% | 160 |
| Noninterest expense to average assets | 5.2478% | 414 |
| Loan and lease loss provision to assets | 0.1495% | 5,017 |
| Net operating income to assets | 1.4364% | 1,067 |
| Return on assets (ROA) | 1.4364% | 1,150 |
| Pretax return on assets | 1.3602% | 2,087 |
| Return on Equity (ROE) | 17.8782% | 599 |
| Retained earnings to average equity (ytd only) | 17.8782% | 238 |
| Net charge-offs to loans | 0.4677% | 2,274 |
| Credit loss provision to net charge-offs | 41.1523% | 4,810 |
| Earnings coverage of net charge-offs (x) | 4.1564% | 2,963 |
| Efficiency ratio | 76.6645% | 3,373 |
| Assets per employee ($millions) | 3.0129% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 6,528 |
| Loan loss allowance to noncurrent loans | 55.4656% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.3836% | 3,879 |
| Noncurrent loans to loans | 1.7039% | 3,702 |
| Net loans and leases to total assets | 77.7033% | 1,891 |
| Net loans and leases to deposits | 96.6636% | 1,845 |
| Net loans and leases to core deposits | 140.5493% | 1,076 |
| Total domestic deposits to total assets | 80.3853% | 5,218 |
| Equity capital to assets | 8.2187% | 6,511 |
| Core capital (leverage) ratio | 8.4960% | 5,544 |
| Tier 1 risk-based capital ratio | 11.6313% | 5,268 |
| Total risk-based capital ratio | 12.6728% | 5,383 |
| Memoranda: | ||
| Average total assets | $267,614,500 | 2,485 |
| Average earning assets | $253,536,500 | 2,420 |
| Average equity | $21,501,000 | 3,039 |
| Average total loans | $207,831,500 | 2,292 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1126% | 4,976 |
| Cost of funding earning assets | 2.9935% | 1,889 |
| Net interest margin | 3.1191% | 6,597 |
| Noninterest income to average assets | 3.1319% | 190 |
| Noninterest expense to average assets | 5.5625% | 488 |
| Loan and lease loss provision to assets | 0.2421% | 4,490 |
| Net operating income to assets | 0.4777% | 4,843 |
| Return on assets (ROA) | 0.4781% | 4,655 |
| Pretax return on assets | 0.2639% | 5,591 |
| Return on Equity (ROE) | 5.5589% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.5589% | 1,738 |
| Net charge-offs to loans | 0.0017% | 7,006 |
| Credit loss provision to net charge-offs | 18,833.3333% | 33 |
| Earnings coverage of net charge-offs (x) | 393.3333% | 128 |
| Efficiency ratio | 90.3834% | 1,484 |
| Assets per employee ($millions) | 3.1857% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 5,207 |
| Loan loss allowance to noncurrent loans | 169.9923% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 5,529 |
| Noncurrent loans to loans | 0.6523% | 5,413 |
| Net loans and leases to total assets | 75.9669% | 2,632 |
| Net loans and leases to deposits | 98.6235% | 2,031 |
| Net loans and leases to core deposits | 146.5586% | 992 |
| Total domestic deposits to total assets | 77.0272% | 5,980 |
| Equity capital to assets | 7.8363% | 7,058 |
| Core capital (leverage) ratio | 8.3842% | 5,795 |
| Tier 1 risk-based capital ratio | 11.2738% | 5,464 |
| Total risk-based capital ratio | 12.4574% | 5,415 |
| Memoranda: | ||
| Average total assets | $233,404,000 | 2,720 |
| Average earning assets | $219,708,800 | 2,665 |
| Average equity | $20,075,800 | 3,220 |
| Average total loans | $177,922,600 | 2,526 |