Home > Easton Bank & Trust > Performance and Condition Ratios
Easton Bank & Trust, Performance and Condition Ratios
| 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 | 4.1215% | 2,822 |
| Cost of funding earning assets | 0.4043% | 3,230 |
| Net interest margin | 3.7172% | 2,637 |
| Noninterest income to average assets | 0.6042% | 2,710 |
| Noninterest expense to average assets | 3.4757% | 1,334 |
| Loan and lease loss provision to assets | 0.3776% | 334 |
| Net operating income to assets | 0.2507% | 5,580 |
| Return on assets (ROA) | 0.2719% | 5,611 |
| Pretax return on assets | 0.2719% | 5,702 |
| Return on Equity (ROE) | 2.4884% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.4884% | 4,474 |
| Net charge-offs to loans | 1.8487% | 82 |
| Credit loss provision to net charge-offs | 26.3713% | 2,959 |
| Earnings coverage of net charge-offs (x) | 0.4388% | 3,659 |
| Efficiency ratio | 84.6890% | 1,190 |
| Assets per employee ($millions) | 4.2062% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 1,873 |
| Loan loss allowance to noncurrent loans | 35.6433% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 3.7610% | 365 |
| Noncurrent loans to loans | 4.5182% | 299 |
| Net loans and leases to total assets | 75.6709% | 1,412 |
| Net loans and leases to deposits | 90.2693% | 1,564 |
| Net loans and leases to core deposits | 91.0314% | 2,240 |
| Total domestic deposits to total assets | 83.8279% | 3,641 |
| Equity capital to assets | 11.0498% | 2,835 |
| Core capital (leverage) ratio | 11.0558% | 2,373 |
| Tier 1 risk-based capital ratio | 14.9061% | 3,410 |
| Total risk-based capital ratio | 16.1633% | 3,337 |
| Memoranda: | ||
| Average total assets | $132,403,330 | 3,918 |
| Average earning assets | $124,662,330 | 3,867 |
| Average equity | $14,467,330 | 3,971 |
| Average total loans | $102,560,000 | 3,390 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 2,718 |
| Cost of funding earning assets | 0.4066% | 3,233 |
| Net interest margin | 3.7201% | 2,555 |
| Noninterest income to average assets | 0.6326% | 2,483 |
| Noninterest expense to average assets | 3.2232% | 1,921 |
| Loan and lease loss provision to assets | 0.2998% | 487 |
| Net operating income to assets | 0.6206% | 4,194 |
| Return on assets (ROA) | 0.6206% | 4,289 |
| Pretax return on assets | 0.6206% | 4,854 |
| Return on Equity (ROE) | 5.7115% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.7115% | 2,653 |
| Net charge-offs to loans | 1.2652% | 162 |
| Credit loss provision to net charge-offs | 30.4878% | 2,275 |
| Earnings coverage of net charge-offs (x) | 0.9360% | 2,990 |
| Efficiency ratio | 77.7858% | 2,215 |
| Assets per employee ($millions) | 4.0462% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0197% | 1,038 |
| Loan loss allowance to noncurrent loans | 47.8321% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 3.5537% | 460 |
| Noncurrent loans to loans | 4.2225% | 389 |
| Net loans and leases to total assets | 75.7519% | 1,248 |
| Net loans and leases to deposits | 90.1625% | 1,371 |
| Net loans and leases to core deposits | 92.1982% | 1,927 |
| Total domestic deposits to total assets | 84.0171% | 3,811 |
| Equity capital to assets | 10.9366% | 3,041 |
| Core capital (leverage) ratio | 11.0419% | 2,376 |
| Tier 1 risk-based capital ratio | 14.9920% | 3,441 |
| Total risk-based capital ratio | 16.2548% | 3,361 |
| Memoranda: | ||
| Average total assets | $133,409,500 | 3,929 |
| Average earning assets | $125,909,000 | 3,871 |
| Average equity | $14,497,000 | 3,998 |
| Average total loans | $103,698,500 | 3,383 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 1,863 |
| Cost of funding earning assets | 0.4698% | 2,983 |
| Net interest margin | 4.0307% | 1,804 |
| Noninterest income to average assets | 0.5916% | 2,905 |
| Noninterest expense to average assets | 3.4017% | 1,694 |
| Loan and lease loss provision to assets | 0.4302% | 397 |
| Net operating income to assets | 0.5557% | 4,578 |
| Return on assets (ROA) | 0.5557% | 4,667 |
| Pretax return on assets | 0.5557% | 5,088 |
| Return on Equity (ROE) | 5.5025% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.5025% | 2,256 |
| Net charge-offs to loans | 0.7967% | 441 |
| Credit loss provision to net charge-offs | 69.5249% | 3,091 |
| Earnings coverage of net charge-offs (x) | 1.5933% | 4,385 |
| Efficiency ratio | 77.5290% | 2,272 |
| Assets per employee ($millions) | 3.8084% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2205% | 799 |
| Loan loss allowance to noncurrent loans | 55.9101% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 3.3932% | 557 |
| Noncurrent loans to loans | 3.9716% | 472 |
| Net loans and leases to total assets | 76.4110% | 1,204 |
| Net loans and leases to deposits | 90.8541% | 1,422 |
| Net loans and leases to core deposits | 93.8054% | 1,938 |
| Total domestic deposits to total assets | 84.1029% | 3,663 |
| Equity capital to assets | 10.7964% | 3,121 |
| Core capital (leverage) ratio | 10.5182% | 2,923 |
| Tier 1 risk-based capital ratio | 15.3161% | 3,305 |
| Total risk-based capital ratio | 16.5832% | 3,253 |
| Memoranda: | ||
| Average total assets | $139,458,400 | 3,809 |
| Average earning assets | $131,341,800 | 3,736 |
| Average equity | $14,084,400 | 4,008 |
| Average total loans | $108,326,000 | 3,260 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 1,794 |
| Cost of funding earning assets | 0.4799% | 2,954 |
| Net interest margin | 4.0407% | 1,748 |
| Noninterest income to average assets | 0.5825% | 2,977 |
| Noninterest expense to average assets | 3.3683% | 1,744 |
| Loan and lease loss provision to assets | 0.4728% | 324 |
| Net operating income to assets | 0.5390% | 4,714 |
| Return on assets (ROA) | 0.5390% | 4,786 |
| Pretax return on assets | 0.5390% | 5,210 |
| Return on Equity (ROE) | 5.4254% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.4254% | 2,805 |
| Net charge-offs to loans | 0.8729% | 380 |
| Credit loss provision to net charge-offs | 69.8324% | 2,770 |
| Earnings coverage of net charge-offs (x) | 1.4944% | 4,147 |
| Efficiency ratio | 76.8998% | 2,361 |
| Assets per employee ($millions) | 4.1938% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 933 |
| Loan loss allowance to noncurrent loans | 65.7931% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 3.1208% | 737 |
| Noncurrent loans to loans | 3.3576% | 736 |
| Net loans and leases to total assets | 75.4888% | 1,283 |
| Net loans and leases to deposits | 89.0146% | 1,553 |
| Net loans and leases to core deposits | 90.7285% | 2,154 |
| Total domestic deposits to total assets | 84.8050% | 3,421 |
| Equity capital to assets | 10.2548% | 3,856 |
| Core capital (leverage) ratio | 10.2721% | 3,315 |
| Tier 1 risk-based capital ratio | 14.8688% | 3,665 |
| Total risk-based capital ratio | 16.1369% | 3,593 |
| Memoranda: | ||
| Average total assets | $140,999,250 | 3,807 |
| Average earning assets | $132,515,750 | 3,738 |
| Average equity | $14,007,750 | 4,044 |
| Average total loans | $109,366,250 | 3,254 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 1,533 |
| Cost of funding earning assets | 0.4965% | 2,870 |
| Net interest margin | 4.1028% | 1,503 |
| Noninterest income to average assets | 0.6414% | 2,595 |
| Noninterest expense to average assets | 3.2551% | 2,035 |
| Loan and lease loss provision to assets | 0.5639% | 254 |
| Net operating income to assets | 0.6781% | 3,953 |
| Return on assets (ROA) | 0.6781% | 4,054 |
| Pretax return on assets | 0.6781% | 4,714 |
| Return on Equity (ROE) | 6.8979% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.8979% | 1,815 |
| Net charge-offs to loans | 0.4337% | 946 |
| Credit loss provision to net charge-offs | 167.3640% | 1,345 |
| Earnings coverage of net charge-offs (x) | 3.6862% | 3,242 |
| Efficiency ratio | 72.3824% | 3,270 |
| Assets per employee ($millions) | 3.8708% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4943% | 716 |
| Loan loss allowance to noncurrent loans | 63.3272% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 3.4927% | 671 |
| Noncurrent loans to loans | 3.9387% | 609 |
| Net loans and leases to total assets | 76.7819% | 1,075 |
| Net loans and leases to deposits | 90.3864% | 1,336 |
| Net loans and leases to core deposits | 92.1107% | 1,932 |
| Total domestic deposits to total assets | 84.9485% | 3,536 |
| Equity capital to assets | 10.1709% | 3,869 |
| Core capital (leverage) ratio | 10.1738% | 3,385 |
| Tier 1 risk-based capital ratio | 14.5703% | 3,887 |
| Total risk-based capital ratio | 15.8424% | 3,825 |
| Memoranda: | ||
| Average total assets | $141,867,670 | 3,820 |
| Average earning assets | $133,322,330 | 3,752 |
| Average equity | $13,946,330 | 4,053 |
| Average total loans | $110,211,000 | 3,237 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 1,102 |
| Cost of funding earning assets | 0.5233% | 2,675 |
| Net interest margin | 4.2489% | 1,102 |
| Noninterest income to average assets | 0.6484% | 2,474 |
| Noninterest expense to average assets | 3.0630% | 2,647 |
| Loan and lease loss provision to assets | 0.6987% | 173 |
| Net operating income to assets | 0.8803% | 2,741 |
| Return on assets (ROA) | 0.8803% | 2,809 |
| Pretax return on assets | 0.8803% | 3,779 |
| Return on Equity (ROE) | 9.1087% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.1087% | 1,216 |
| Net charge-offs to loans | 0.4092% | 881 |
| Credit loss provision to net charge-offs | 221.2389% | 975 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,446 |
| Efficiency ratio | 65.9843% | 4,530 |
| Assets per employee ($millions) | 4.2076% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4585% | 854 |
| Loan loss allowance to noncurrent loans | 60.8979% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 3.7775% | 659 |
| Noncurrent loans to loans | 4.0371% | 667 |
| Net loans and leases to total assets | 75.2420% | 1,097 |
| Net loans and leases to deposits | 88.0619% | 1,355 |
| Net loans and leases to core deposits | 89.6850% | 1,938 |
| Total domestic deposits to total assets | 85.4422% | 3,652 |
| Equity capital to assets | 9.7884% | 4,122 |
| Core capital (leverage) ratio | 9.9332% | 3,660 |
| Tier 1 risk-based capital ratio | 14.1842% | 4,201 |
| Total risk-based capital ratio | 15.4551% | 4,137 |
| Memoranda: | ||
| Average total assets | $143,127,500 | 3,823 |
| Average earning assets | $134,529,500 | 3,754 |
| Average equity | $13,833,000 | 4,079 |
| Average total loans | $110,451,000 | 3,254 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 1,472 |
| Cost of funding earning assets | 0.6966% | 1,840 |
| Net interest margin | 4.0440% | 1,826 |
| Noninterest income to average assets | 0.7071% | 2,502 |
| Noninterest expense to average assets | 3.2539% | 2,267 |
| Loan and lease loss provision to assets | 0.5607% | 464 |
| Net operating income to assets | 0.6602% | 3,988 |
| Return on assets (ROA) | 0.6602% | 4,087 |
| Pretax return on assets | 0.6602% | 4,667 |
| Return on Equity (ROE) | 7.1048% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.1048% | 1,397 |
| Net charge-offs to loans | 1.3176% | 381 |
| Credit loss provision to net charge-offs | 53.2978% | 3,744 |
| Earnings coverage of net charge-offs (x) | 1.1606% | 4,681 |
| Efficiency ratio | 72.7173% | 3,347 |
| Assets per employee ($millions) | 4.2117% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3302% | 1,008 |
| Loan loss allowance to noncurrent loans | 56.9912% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 3.8667% | 699 |
| Noncurrent loans to loans | 4.0886% | 702 |
| Net loans and leases to total assets | 75.4019% | 1,168 |
| Net loans and leases to deposits | 88.0299% | 1,459 |
| Net loans and leases to core deposits | 89.6385% | 2,066 |
| Total domestic deposits to total assets | 85.6548% | 3,426 |
| Equity capital to assets | 9.5413% | 4,365 |
| Core capital (leverage) ratio | 9.8020% | 3,836 |
| Tier 1 risk-based capital ratio | 13.7597% | 4,473 |
| Total risk-based capital ratio | 15.0281% | 4,402 |
| Memoranda: | ||
| Average total assets | $142,689,200 | 3,836 |
| Average earning assets | $132,937,000 | 3,777 |
| Average equity | $13,258,600 | 4,216 |
| Average total loans | $113,920,400 | 3,173 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 1,371 |
| Cost of funding earning assets | 0.7347% | 1,710 |
| Net interest margin | 4.0548% | 1,772 |
| Noninterest income to average assets | 0.6603% | 2,826 |
| Noninterest expense to average assets | 3.2406% | 2,225 |
| Loan and lease loss provision to assets | 0.6079% | 398 |
| Net operating income to assets | 0.5799% | 4,429 |
| Return on assets (ROA) | 0.5799% | 4,562 |
| Pretax return on assets | 0.5799% | 5,097 |
| Return on Equity (ROE) | 6.2827% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.2827% | 2,242 |
| Net charge-offs to loans | 1.2268% | 441 |
| Credit loss provision to net charge-offs | 61.5530% | 3,263 |
| Earnings coverage of net charge-offs (x) | 1.2027% | 4,440 |
| Efficiency ratio | 73.1785% | 3,194 |
| Assets per employee ($millions) | 3.8774% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5879% | 841 |
| Loan loss allowance to noncurrent loans | 54.0271% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 4.4030% | 689 |
| Noncurrent loans to loans | 4.7899% | 652 |
| Net loans and leases to total assets | 77.4212% | 817 |
| Net loans and leases to deposits | 90.6468% | 1,094 |
| Net loans and leases to core deposits | 92.1462% | 1,758 |
| Total domestic deposits to total assets | 85.4098% | 3,537 |
| Equity capital to assets | 9.5740% | 4,459 |
| Core capital (leverage) ratio | 9.5671% | 4,303 |
| Tier 1 risk-based capital ratio | 13.4173% | 4,820 |
| Total risk-based capital ratio | 14.6903% | 4,749 |
| Memoranda: | ||
| Average total assets | $142,562,000 | 3,876 |
| Average earning assets | $132,482,250 | 3,828 |
| Average equity | $13,157,500 | 4,278 |
| Average total loans | $114,763,000 | 3,170 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 1,434 |
| Cost of funding earning assets | 0.7731% | 1,565 |
| Net interest margin | 3.9824% | 1,925 |
| Noninterest income to average assets | 0.6451% | 2,938 |
| Noninterest expense to average assets | 3.1821% | 2,402 |
| Loan and lease loss provision to assets | 0.6966% | 339 |
| Net operating income to assets | 0.4625% | 4,965 |
| Return on assets (ROA) | 0.4625% | 5,133 |
| Pretax return on assets | 0.4625% | 5,487 |
| Return on Equity (ROE) | 5.0731% | 4,682 |
| Retained earnings to average equity (ytd only) | 5.0731% | 3,002 |
| Net charge-offs to loans | 1.4547% | 371 |
| Credit loss provision to net charge-offs | 59.2417% | 3,037 |
| Earnings coverage of net charge-offs (x) | 0.9858% | 4,202 |
| Efficiency ratio | 73.2991% | 3,261 |
| Assets per employee ($millions) | 3.7368% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5801% | 897 |
| Loan loss allowance to noncurrent loans | 48.7452% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 4.9450% | 624 |
| Noncurrent loans to loans | 5.2930% | 587 |
| Net loans and leases to total assets | 80.0985% | 528 |
| Net loans and leases to deposits | 93.6422% | 832 |
| Net loans and leases to core deposits | 95.1949% | 1,425 |
| Total domestic deposits to total assets | 85.5368% | 3,623 |
| Equity capital to assets | 9.4640% | 4,631 |
| Core capital (leverage) ratio | 9.2478% | 4,626 |
| Tier 1 risk-based capital ratio | 12.7652% | 5,314 |
| Total risk-based capital ratio | 14.0378% | 5,233 |
| Memoranda: | ||
| Average total assets | $143,553,670 | 3,882 |
| Average earning assets | $133,236,330 | 3,839 |
| Average equity | $13,088,670 | 4,330 |
| Average total loans | $116,037,000 | 3,146 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 1,174 |
| Cost of funding earning assets | 0.8055% | 1,497 |
| Net interest margin | 4.0571% | 1,600 |
| Noninterest income to average assets | 0.3694% | 4,713 |
| Noninterest expense to average assets | 3.1573% | 2,494 |
| Loan and lease loss provision to assets | 0.7524% | 298 |
| Net operating income to assets | 0.2079% | 5,861 |
| Return on assets (ROA) | 0.2079% | 5,977 |
| Pretax return on assets | 0.2079% | 6,064 |
| Return on Equity (ROE) | 2.3223% | 5,838 |
| Retained earnings to average equity (ytd only) | 2.3223% | 4,862 |
| Net charge-offs to loans | 0.9828% | 623 |
| Credit loss provision to net charge-offs | 95.4861% | 1,936 |
| Earnings coverage of net charge-offs (x) | 1.2188% | 3,422 |
| Efficiency ratio | 76.6777% | 2,814 |
| Assets per employee ($millions) | 4.2039% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8423% | 781 |
| Loan loss allowance to noncurrent loans | 60.5454% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 4.6412% | 806 |
| Noncurrent loans to loans | 4.6945% | 855 |
| Net loans and leases to total assets | 75.8281% | 861 |
| Net loans and leases to deposits | 87.7828% | 1,168 |
| Net loans and leases to core deposits | 89.1271% | 1,789 |
| Total domestic deposits to total assets | 86.3815% | 3,309 |
| Equity capital to assets | 8.9168% | 5,593 |
| Core capital (leverage) ratio | 9.0927% | 4,729 |
| Tier 1 risk-based capital ratio | 12.4177% | 5,628 |
| Total risk-based capital ratio | 13.6940% | 5,562 |
| Memoranda: | ||
| Average total assets | $146,200,000 | 3,874 |
| Average earning assets | $135,070,500 | 3,846 |
| Average equity | $13,090,500 | 4,366 |
| Average total loans | $117,216,500 | 3,142 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1098% | 1,288 |
| Cost of funding earning assets | 1.1638% | 681 |
| Net interest margin | 3.9460% | 2,621 |
| Noninterest income to average assets | 0.4438% | 4,295 |
| Noninterest expense to average assets | 3.3534% | 2,181 |
| Loan and lease loss provision to assets | 0.8889% | 508 |
| Net operating income to assets | -0.1424% | 6,332 |
| Return on assets (ROA) | -0.0609% | 6,354 |
| Pretax return on assets | -0.0609% | 6,335 |
| Return on Equity (ROE) | -0.6984% | 6,369 |
| Retained earnings to average equity (ytd only) | -0.6984% | 5,975 |
| Net charge-offs to loans | 0.8850% | 1,288 |
| Credit loss provision to net charge-offs | 124.0296% | 2,293 |
| Earnings coverage of net charge-offs (x) | 1.0416% | 4,951 |
| Efficiency ratio | 81.7932% | 1,898 |
| Assets per employee ($millions) | 4.1503% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7400% | 887 |
| Loan loss allowance to noncurrent loans | 63.1163% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 4.8712% | 812 |
| Noncurrent loans to loans | 4.3412% | 1,009 |
| Net loans and leases to total assets | 80.0760% | 467 |
| Net loans and leases to deposits | 93.2784% | 804 |
| Net loans and leases to core deposits | 94.7270% | 1,406 |
| Total domestic deposits to total assets | 85.8463% | 3,431 |
| Equity capital to assets | 8.9913% | 5,532 |
| Core capital (leverage) ratio | 8.9569% | 4,965 |
| Tier 1 risk-based capital ratio | 11.7522% | 5,930 |
| Total risk-based capital ratio | 13.0268% | 5,889 |
| Memoranda: | ||
| Average total assets | $150,981,000 | 3,758 |
| Average earning assets | $139,888,000 | 3,728 |
| Average equity | $13,173,400 | 4,322 |
| Average total loans | $122,255,200 | 3,033 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 1,510 |
| Cost of funding earning assets | 1.2213% | 633 |
| Net interest margin | 3.8446% | 3,144 |
| Noninterest income to average assets | 0.5056% | 3,890 |
| Noninterest expense to average assets | 3.2473% | 2,432 |
| Loan and lease loss provision to assets | 0.8967% | 493 |
| Net operating income to assets | -0.0639% | 6,357 |
| Return on assets (ROA) | -0.0455% | 6,455 |
| Pretax return on assets | -0.0455% | 6,440 |
| Return on Equity (ROE) | -0.5252% | 6,463 |
| Retained earnings to average equity (ytd only) | -0.5252% | 6,184 |
| Net charge-offs to loans | 0.7354% | 1,504 |
| Credit loss provision to net charge-offs | 151.1799% | 1,869 |
| Earnings coverage of net charge-offs (x) | 1.4041% | 4,590 |
| Efficiency ratio | 79.5883% | 2,157 |
| Assets per employee ($millions) | 3.9736% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7565% | 926 |
| Loan loss allowance to noncurrent loans | 49.4706% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 5.7760% | 721 |
| Noncurrent loans to loans | 5.5720% | 765 |
| Net loans and leases to total assets | 80.7185% | 451 |
| Net loans and leases to deposits | 93.9047% | 798 |
| Net loans and leases to core deposits | 97.4135% | 1,306 |
| Total domestic deposits to total assets | 85.9579% | 3,278 |
| Equity capital to assets | 9.0041% | 5,822 |
| Core capital (leverage) ratio | 8.7168% | 5,450 |
| Tier 1 risk-based capital ratio | 11.4232% | 6,274 |
| Total risk-based capital ratio | 12.6968% | 6,229 |
| Memoranda: | ||
| Average total assets | $152,410,750 | 3,782 |
| Average earning assets | $141,702,000 | 3,740 |
| Average equity | $13,201,500 | 4,362 |
| Average total loans | $122,919,750 | 3,057 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 1,861 |
| Cost of funding earning assets | 1.2665% | 604 |
| Net interest margin | 3.7074% | 3,783 |
| Noninterest income to average assets | 0.5758% | 3,408 |
| Noninterest expense to average assets | 3.1270% | 2,825 |
| Loan and lease loss provision to assets | 0.8560% | 567 |
| Net operating income to assets | 0.0402% | 6,270 |
| Return on assets (ROA) | 0.0674% | 6,366 |
| Pretax return on assets | 0.0674% | 6,366 |
| Return on Equity (ROE) | 0.7885% | 6,337 |
| Retained earnings to average equity (ytd only) | 0.7885% | 5,749 |
| Net charge-offs to loans | 0.0860% | 4,287 |
| Credit loss provision to net charge-offs | 1,245.2830% | 263 |
| Earnings coverage of net charge-offs (x) | 13.0377% | 1,827 |
| Efficiency ratio | 77.7240% | 2,496 |
| Assets per employee ($millions) | 3.7418% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9558% | 817 |
| Loan loss allowance to noncurrent loans | 43.8263% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 6.7510% | 597 |
| Noncurrent loans to loans | 6.7443% | 599 |
| Net loans and leases to total assets | 77.5563% | 780 |
| Net loans and leases to deposits | 89.6422% | 1,179 |
| Net loans and leases to core deposits | 93.0129% | 1,682 |
| Total domestic deposits to total assets | 86.5176% | 3,061 |
| Equity capital to assets | 8.6432% | 6,082 |
| Core capital (leverage) ratio | 8.5362% | 5,600 |
| Tier 1 risk-based capital ratio | 11.4345% | 6,258 |
| Total risk-based capital ratio | 12.7105% | 6,217 |
| Memoranda: | ||
| Average total assets | $154,207,000 | 3,766 |
| Average earning assets | $143,388,670 | 3,727 |
| Average equity | $13,189,330 | 4,361 |
| Average total loans | $123,213,670 | 3,065 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 2,096 |
| Cost of funding earning assets | 1.3180% | 586 |
| Net interest margin | 3.6203% | 4,177 |
| Noninterest income to average assets | 0.4579% | 4,240 |
| Noninterest expense to average assets | 3.0918% | 2,940 |
| Loan and lease loss provision to assets | 0.8538% | 538 |
| Net operating income to assets | -0.1190% | 6,560 |
| Return on assets (ROA) | -0.0673% | 6,592 |
| Pretax return on assets | -0.0673% | 6,580 |
| Return on Equity (ROE) | -0.7906% | 6,607 |
| Retained earnings to average equity (ytd only) | -0.7906% | 6,123 |
| Net charge-offs to loans | -0.1684% | 6,949 |
| Credit loss provision to net charge-offs | -634.6154% | 5,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7978% | 2,108 |
| Assets per employee ($millions) | 3.8753% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7766% | 1,030 |
| Loan loss allowance to noncurrent loans | 33.9764% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 7.8833% | 490 |
| Noncurrent loans to loans | 8.1721% | 466 |
| Net loans and leases to total assets | 76.7797% | 722 |
| Net loans and leases to deposits | 88.5332% | 1,105 |
| Net loans and leases to core deposits | 91.8065% | 1,672 |
| Total domestic deposits to total assets | 86.7242% | 3,105 |
| Equity capital to assets | 8.4826% | 6,098 |
| Core capital (leverage) ratio | 8.5051% | 5,578 |
| Tier 1 risk-based capital ratio | 11.2597% | 6,412 |
| Total risk-based capital ratio | 12.5324% | 6,378 |
| Memoranda: | ||
| Average total assets | $154,603,000 | 3,792 |
| Average earning assets | $143,855,500 | 3,746 |
| Average equity | $13,154,000 | 4,377 |
| Average total loans | $123,517,000 | 3,073 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4716% | 1,237 |
| Cost of funding earning assets | 1.5336% | 626 |
| Net interest margin | 3.9379% | 3,166 |
| Noninterest income to average assets | 0.8037% | 2,040 |
| Noninterest expense to average assets | 3.3754% | 2,304 |
| Loan and lease loss provision to assets | 1.8246% | 356 |
| Net operating income to assets | -0.7986% | 6,653 |
| Return on assets (ROA) | -0.7330% | 6,653 |
| Pretax return on assets | -0.7330% | 6,613 |
| Return on Equity (ROE) | -8.3313% | 6,687 |
| Retained earnings to average equity (ytd only) | -8.3313% | 6,636 |
| Net charge-offs to loans | 1.8546% | 781 |
| Credit loss provision to net charge-offs | 118.8304% | 2,694 |
| Earnings coverage of net charge-offs (x) | 0.6682% | 5,318 |
| Efficiency ratio | 76.6893% | 2,794 |
| Assets per employee ($millions) | 3.7609% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4210% | 1,425 |
| Loan loss allowance to noncurrent loans | 43.9412% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 6.6014% | 710 |
| Noncurrent loans to loans | 5.5096% | 955 |
| Net loans and leases to total assets | 78.8618% | 626 |
| Net loans and leases to deposits | 91.0412% | 1,050 |
| Net loans and leases to core deposits | 94.4980% | 1,634 |
| Total domestic deposits to total assets | 86.6221% | 2,965 |
| Equity capital to assets | 8.5340% | 6,102 |
| Core capital (leverage) ratio | 8.5278% | 5,512 |
| Tier 1 risk-based capital ratio | 11.0363% | 6,435 |
| Total risk-based capital ratio | 12.3047% | 6,409 |
| Memoranda: | ||
| Average total assets | $157,019,600 | 3,679 |
| Average earning assets | $143,450,400 | 3,686 |
| Average equity | $13,815,400 | 4,153 |
| Average total loans | $129,998,600 | 2,980 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4983% | 1,251 |
| Cost of funding earning assets | 1.5652% | 676 |
| Net interest margin | 3.9330% | 3,220 |
| Noninterest income to average assets | 0.8910% | 1,682 |
| Noninterest expense to average assets | 3.4456% | 2,086 |
| Loan and lease loss provision to assets | 1.8724% | 313 |
| Net operating income to assets | -0.8394% | 6,818 |
| Return on assets (ROA) | -0.8360% | 6,851 |
| Pretax return on assets | -0.8360% | 6,801 |
| Return on Equity (ROE) | -9.4326% | 6,877 |
| Retained earnings to average equity (ytd only) | -9.4326% | 6,839 |
| Net charge-offs to loans | 1.2709% | 1,222 |
| Credit loss provision to net charge-offs | 176.9169% | 1,680 |
| Earnings coverage of net charge-offs (x) | 0.9760% | 4,900 |
| Efficiency ratio | 76.9347% | 2,687 |
| Assets per employee ($millions) | 3.7661% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8192% | 1,016 |
| Loan loss allowance to noncurrent loans | 55.9397% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 6.6823% | 759 |
| Noncurrent loans to loans | 5.0397% | 1,228 |
| Net loans and leases to total assets | 78.7389% | 634 |
| Net loans and leases to deposits | 91.1169% | 1,096 |
| Net loans and leases to core deposits | 94.9540% | 1,707 |
| Total domestic deposits to total assets | 86.4153% | 2,976 |
| Equity capital to assets | 8.7443% | 6,037 |
| Core capital (leverage) ratio | 8.5299% | 5,667 |
| Tier 1 risk-based capital ratio | 10.8555% | 6,631 |
| Total risk-based capital ratio | 12.1280% | 6,596 |
| Memoranda: | ||
| Average total assets | $157,725,750 | 3,698 |
| Average earning assets | $143,872,500 | 3,700 |
| Average equity | $13,979,500 | 4,128 |
| Average total loans | $131,343,750 | 2,985 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5510% | 1,179 |
| Cost of funding earning assets | 1.5880% | 734 |
| Net interest margin | 3.9630% | 3,020 |
| Noninterest income to average assets | 0.8411% | 1,831 |
| Noninterest expense to average assets | 3.4426% | 2,144 |
| Loan and lease loss provision to assets | 2.1532% | 270 |
| Net operating income to assets | -1.1282% | 6,986 |
| Return on assets (ROA) | -1.1270% | 6,993 |
| Pretax return on assets | -1.1270% | 6,939 |
| Return on Equity (ROE) | -12.6603% | 7,003 |
| Retained earnings to average equity (ytd only) | -12.6603% | 6,964 |
| Net charge-offs to loans | 1.8992% | 714 |
| Credit loss provision to net charge-offs | 134.9645% | 2,262 |
| Earnings coverage of net charge-offs (x) | 0.6425% | 4,820 |
| Efficiency ratio | 77.0575% | 2,855 |
| Assets per employee ($millions) | 3.5530% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 1,686 |
| Loan loss allowance to noncurrent loans | 44.5218% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 6.7405% | 779 |
| Noncurrent loans to loans | 5.2452% | 1,228 |
| Net loans and leases to total assets | 78.6559% | 689 |
| Net loans and leases to deposits | 90.8014% | 1,181 |
| Net loans and leases to core deposits | 94.6738% | 1,825 |
| Total domestic deposits to total assets | 86.6241% | 2,973 |
| Equity capital to assets | 8.4924% | 6,196 |
| Core capital (leverage) ratio | 8.3472% | 5,790 |
| Tier 1 risk-based capital ratio | 10.5959% | 6,754 |
| Total risk-based capital ratio | 11.8619% | 6,739 |
| Memoranda: | ||
| Average total assets | $158,831,330 | 3,701 |
| Average earning assets | $145,343,670 | 3,701 |
| Average equity | $14,138,670 | 4,100 |
| Average total loans | $133,422,670 | 2,975 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 1,504 |
| Cost of funding earning assets | 1.5752% | 898 |
| Net interest margin | 3.8424% | 3,404 |
| Noninterest income to average assets | 0.8566% | 1,831 |
| Noninterest expense to average assets | 3.3151% | 2,512 |
| Loan and lease loss provision to assets | 0.9602% | 819 |
| Net operating income to assets | 0.1314% | 6,004 |
| Return on assets (ROA) | 0.1339% | 6,051 |
| Pretax return on assets | 0.1339% | 6,091 |
| Return on Equity (ROE) | 1.4703% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.4703% | 5,223 |
| Net charge-offs to loans | 0.6424% | 1,921 |
| Credit loss provision to net charge-offs | 174.3119% | 1,672 |
| Earnings coverage of net charge-offs (x) | 1.9817% | 3,318 |
| Efficiency ratio | 75.2294% | 3,296 |
| Assets per employee ($millions) | 3.4377% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0152% | 2,371 |
| Loan loss allowance to noncurrent loans | 23.6406% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 7.7466% | 630 |
| Noncurrent loans to loans | 8.5242% | 546 |
| Net loans and leases to total assets | 83.8194% | 236 |
| Net loans and leases to deposits | 97.3001% | 608 |
| Net loans and leases to core deposits | 101.7964% | 1,218 |
| Total domestic deposits to total assets | 86.1453% | 3,437 |
| Equity capital to assets | 9.1353% | 4,978 |
| Core capital (leverage) ratio | 9.0770% | 4,487 |
| Tier 1 risk-based capital ratio | 10.9451% | 6,547 |
| Total risk-based capital ratio | 12.2074% | 6,513 |
| Memoranda: | ||
| Average total assets | $158,304,500 | 3,736 |
| Average earning assets | $146,264,000 | 3,711 |
| Average equity | $14,419,000 | 4,017 |
| Average total loans | $135,751,000 | 2,972 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7701% | 1,358 |
| Cost of funding earning assets | 1.8127% | 1,119 |
| Net interest margin | 3.9574% | 3,228 |
| Noninterest income to average assets | 0.8991% | 1,852 |
| Noninterest expense to average assets | 3.5839% | 1,964 |
| Loan and lease loss provision to assets | 1.8547% | 735 |
| Net operating income to assets | -0.8822% | 6,622 |
| Return on assets (ROA) | -0.8809% | 6,645 |
| Pretax return on assets | -0.8809% | 6,563 |
| Return on Equity (ROE) | -10.1369% | 6,733 |
| Retained earnings to average equity (ytd only) | -10.1369% | 6,667 |
| Net charge-offs to loans | 1.7575% | 1,210 |
| Credit loss provision to net charge-offs | 123.1154% | 3,381 |
| Earnings coverage of net charge-offs (x) | 0.6456% | 5,466 |
| Efficiency ratio | 78.6560% | 2,585 |
| Assets per employee ($millions) | 3.3718% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8821% | 2,608 |
| Loan loss allowance to noncurrent loans | 38.2458% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 4.8765% | 1,330 |
| Noncurrent loans to loans | 4.9211% | 1,379 |
| Net loans and leases to total assets | 84.3445% | 275 |
| Net loans and leases to deposits | 98.2037% | 699 |
| Net loans and leases to core deposits | 103.2003% | 1,373 |
| Total domestic deposits to total assets | 85.8874% | 3,418 |
| Equity capital to assets | 9.0816% | 5,020 |
| Core capital (leverage) ratio | 8.9009% | 4,698 |
| Tier 1 risk-based capital ratio | 10.9277% | 6,385 |
| Total risk-based capital ratio | 12.1887% | 6,346 |
| Memoranda: | ||
| Average total assets | $159,380,800 | 3,709 |
| Average earning assets | $147,294,200 | 3,681 |
| Average equity | $13,850,400 | 4,175 |
| Average total loans | $136,616,800 | 3,005 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7814% | 1,450 |
| Cost of funding earning assets | 1.8515% | 1,208 |
| Net interest margin | 3.9299% | 3,406 |
| Noninterest income to average assets | 0.8638% | 1,939 |
| Noninterest expense to average assets | 3.6188% | 1,748 |
| Loan and lease loss provision to assets | 1.8378% | 677 |
| Net operating income to assets | -0.9615% | 6,883 |
| Return on assets (ROA) | -0.9598% | 6,919 |
| Pretax return on assets | -0.9598% | 6,837 |
| Return on Equity (ROE) | -11.1700% | 6,973 |
| Retained earnings to average equity (ytd only) | -11.1700% | 6,931 |
| Net charge-offs to loans | 2.0471% | 915 |
| Credit loss provision to net charge-offs | 104.8118% | 4,087 |
| Earnings coverage of net charge-offs (x) | 0.4998% | 5,522 |
| Efficiency ratio | 80.5055% | 2,273 |
| Assets per employee ($millions) | 3.3003% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,761 |
| Loan loss allowance to noncurrent loans | 30.1213% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 5.4666% | 1,130 |
| Noncurrent loans to loans | 5.1232% | 1,340 |
| Net loans and leases to total assets | 84.9794% | 267 |
| Net loans and leases to deposits | 99.7562% | 676 |
| Net loans and leases to core deposits | 105.1809% | 1,389 |
| Total domestic deposits to total assets | 85.1871% | 3,524 |
| Equity capital to assets | 9.2832% | 5,171 |
| Core capital (leverage) ratio | 9.0828% | 4,553 |
| Tier 1 risk-based capital ratio | 10.9448% | 6,429 |
| Total risk-based capital ratio | 12.2001% | 6,411 |
| Memoranda: | ||
| Average total assets | $159,607,250 | 3,762 |
| Average earning assets | $147,480,250 | 3,726 |
| Average equity | $13,715,000 | 4,269 |
| Average total loans | $136,713,750 | 3,042 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7487% | 1,555 |
| Cost of funding earning assets | 1.8784% | 1,314 |
| Net interest margin | 3.8703% | 3,586 |
| Noninterest income to average assets | 0.9062% | 1,669 |
| Noninterest expense to average assets | 3.6874% | 1,576 |
| Loan and lease loss provision to assets | 1.3125% | 1,042 |
| Net operating income to assets | -0.5137% | 6,665 |
| Return on assets (ROA) | -0.5112% | 6,700 |
| Pretax return on assets | -0.5112% | 6,599 |
| Return on Equity (ROE) | -6.1115% | 6,776 |
| Retained earnings to average equity (ytd only) | -6.1115% | 6,664 |
| Net charge-offs to loans | 1.4805% | 1,291 |
| Credit loss provision to net charge-offs | 103.7549% | 3,932 |
| Earnings coverage of net charge-offs (x) | 0.6314% | 5,106 |
| Efficiency ratio | 82.1956% | 2,137 |
| Assets per employee ($millions) | 3.4383% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 3,993 |
| Loan loss allowance to noncurrent loans | 22.6513% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 6.1523% | 936 |
| Noncurrent loans to loans | 6.5625% | 905 |
| Net loans and leases to total assets | 83.9485% | 360 |
| Net loans and leases to deposits | 98.2218% | 851 |
| Net loans and leases to core deposits | 103.4712% | 1,686 |
| Total domestic deposits to total assets | 85.4684% | 3,387 |
| Equity capital to assets | 9.2470% | 5,083 |
| Core capital (leverage) ratio | 9.2094% | 4,287 |
| Tier 1 risk-based capital ratio | 10.8701% | 6,385 |
| Total risk-based capital ratio | 12.1244% | 6,365 |
| Memoranda: | ||
| Average total assets | $160,004,330 | 3,793 |
| Average earning assets | $147,998,000 | 3,739 |
| Average equity | $13,384,670 | 4,355 |
| Average total loans | $136,708,000 | 3,073 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6909% | 1,813 |
| Cost of funding earning assets | 1.9178% | 1,382 |
| Net interest margin | 3.7731% | 3,906 |
| Noninterest income to average assets | 0.8693% | 1,737 |
| Noninterest expense to average assets | 3.6255% | 1,679 |
| Loan and lease loss provision to assets | 0.5653% | 2,237 |
| Net operating income to assets | 0.1683% | 5,794 |
| Return on assets (ROA) | 0.1683% | 5,919 |
| Pretax return on assets | 0.1683% | 5,972 |
| Return on Equity (ROE) | 2.1261% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.1261% | 4,860 |
| Net charge-offs to loans | 0.8751% | 1,805 |
| Credit loss provision to net charge-offs | 75.5034% | 3,988 |
| Earnings coverage of net charge-offs (x) | 0.9799% | 4,183 |
| Efficiency ratio | 83.1700% | 2,120 |
| Assets per employee ($millions) | 3.3411% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,283 |
| Loan loss allowance to noncurrent loans | 22.1181% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 6.0347% | 992 |
| Noncurrent loans to loans | 6.4527% | 969 |
| Net loans and leases to total assets | 83.3768% | 449 |
| Net loans and leases to deposits | 96.0451% | 1,099 |
| Net loans and leases to core deposits | 102.0344% | 1,903 |
| Total domestic deposits to total assets | 86.8100% | 2,731 |
| Equity capital to assets | 7.8729% | 6,786 |
| Core capital (leverage) ratio | 7.8281% | 6,462 |
| Tier 1 risk-based capital ratio | 9.2500% | 7,408 |
| Total risk-based capital ratio | 10.5036% | 7,404 |
| Memoranda: | ||
| Average total assets | $159,207,000 | 3,858 |
| Average earning assets | $147,252,500 | 3,814 |
| Average equity | $12,605,500 | 4,561 |
| Average total loans | $136,208,500 | 3,143 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9174% | 2,167 |
| Cost of funding earning assets | 2.2767% | 1,745 |
| Net interest margin | 3.6407% | 4,387 |
| Noninterest income to average assets | 0.7928% | 2,440 |
| Noninterest expense to average assets | 3.4763% | 2,437 |
| Loan and lease loss provision to assets | 1.0440% | 2,195 |
| Net operating income to assets | -0.3335% | 6,015 |
| Return on assets (ROA) | -0.3286% | 5,996 |
| Pretax return on assets | -0.3286% | 5,859 |
| Return on Equity (ROE) | -4.0724% | 6,118 |
| Retained earnings to average equity (ytd only) | -6.9449% | 6,236 |
| Net charge-offs to loans | 0.7631% | 2,916 |
| Credit loss provision to net charge-offs | 166.9894% | 2,587 |
| Earnings coverage of net charge-offs (x) | 1.1365% | 4,983 |
| Efficiency ratio | 83.0298% | 2,470 |
| Assets per employee ($millions) | 3.2925% | 5,507 |
| Cash dividends to net income (ytd only)* | -70.5341% | 7,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 3,896 |
| Loan loss allowance to noncurrent loans | 45.0247% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 3.1713% | 2,183 |
| Noncurrent loans to loans | 3.2625% | 2,338 |
| Net loans and leases to total assets | 85.2678% | 324 |
| Net loans and leases to deposits | 99.7269% | 930 |
| Net loans and leases to core deposits | 133.3099% | 1,095 |
| Total domestic deposits to total assets | 85.5013% | 3,291 |
| Equity capital to assets | 7.9631% | 6,620 |
| Core capital (leverage) ratio | 7.7989% | 6,453 |
| Tier 1 risk-based capital ratio | 9.2425% | 7,360 |
| Total risk-based capital ratio | 10.4965% | 7,356 |
| Memoranda: | ||
| Average total assets | $165,234,000 | 3,686 |
| Average earning assets | $154,036,400 | 3,637 |
| Average equity | $13,333,600 | 4,422 |
| Average total loans | $135,362,400 | 3,166 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8603% | 2,628 |
| Cost of funding earning assets | 2.3446% | 1,828 |
| Net interest margin | 3.5157% | 4,804 |
| Noninterest income to average assets | 0.7519% | 2,698 |
| Noninterest expense to average assets | 3.3733% | 2,657 |
| Loan and lease loss provision to assets | 0.3193% | 4,432 |
| Net operating income to assets | 0.3472% | 4,612 |
| Return on assets (ROA) | 0.3520% | 4,689 |
| Pretax return on assets | 0.3520% | 4,926 |
| Return on Equity (ROE) | 4.3488% | 4,231 |
| Retained earnings to average equity (ytd only) | 0.5719% | 4,966 |
| Net charge-offs to loans | 0.6626% | 2,706 |
| Credit loss provision to net charge-offs | 59.6125% | 6,181 |
| Earnings coverage of net charge-offs (x) | 1.2444% | 4,839 |
| Efficiency ratio | 83.5013% | 2,352 |
| Assets per employee ($millions) | 3.3844% | 5,195 |
| Cash dividends to net income (ytd only)* | 86.8467% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 7,176 |
| Loan loss allowance to noncurrent loans | 34.6702% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 2.3072% | 2,969 |
| Noncurrent loans to loans | 2.2559% | 3,318 |
| Net loans and leases to total assets | 83.4201% | 616 |
| Net loans and leases to deposits | 98.2060% | 1,301 |
| Net loans and leases to core deposits | 133.4510% | 1,239 |
| Total domestic deposits to total assets | 84.9440% | 3,265 |
| Equity capital to assets | 8.5619% | 6,169 |
| Core capital (leverage) ratio | 8.1412% | 6,120 |
| Tier 1 risk-based capital ratio | 10.0383% | 6,940 |
| Total risk-based capital ratio | 10.9127% | 7,227 |
| Memoranda: | ||
| Average total assets | $167,032,000 | 3,677 |
| Average earning assets | $156,211,000 | 3,614 |
| Average equity | $13,520,750 | 4,411 |
| Average total loans | $135,011,000 | 3,206 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8472% | 2,822 |
| Cost of funding earning assets | 2.3876% | 2,014 |
| Net interest margin | 3.4597% | 4,967 |
| Noninterest income to average assets | 0.7343% | 2,794 |
| Noninterest expense to average assets | 3.3025% | 2,947 |
| Loan and lease loss provision to assets | 0.2947% | 4,205 |
| Net operating income to assets | 0.3701% | 4,622 |
| Return on assets (ROA) | 0.3772% | 4,696 |
| Pretax return on assets | 0.3772% | 4,995 |
| Return on Equity (ROE) | 4.7450% | 4,187 |
| Retained earnings to average equity (ytd only) | -0.9342% | 5,462 |
| Net charge-offs to loans | 0.1787% | 4,458 |
| Credit loss provision to net charge-offs | 206.6116% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.6612% | 3,041 |
| Efficiency ratio | 83.2442% | 2,574 |
| Assets per employee ($millions) | 3.2831% | 5,362 |
| Cash dividends to net income (ytd only)* | 119.6875% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 5,813 |
| Loan loss allowance to noncurrent loans | 44.3286% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 2,916 |
| Noncurrent loans to loans | 2.4021% | 3,009 |
| Net loans and leases to total assets | 81.8463% | 979 |
| Net loans and leases to deposits | 98.0271% | 1,512 |
| Net loans and leases to core deposits | 133.2837% | 1,351 |
| Total domestic deposits to total assets | 83.4935% | 4,017 |
| Equity capital to assets | 8.2234% | 6,454 |
| Core capital (leverage) ratio | 7.8432% | 6,557 |
| Tier 1 risk-based capital ratio | 9.8935% | 7,050 |
| Total risk-based capital ratio | 11.0623% | 7,067 |
| Memoranda: | ||
| Average total assets | $169,687,330 | 3,649 |
| Average earning assets | $158,570,330 | 3,589 |
| Average equity | $13,488,000 | 4,422 |
| Average total loans | $135,435,000 | 3,237 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7881% | 3,362 |
| Cost of funding earning assets | 2.4136% | 2,236 |
| Net interest margin | 3.3745% | 5,237 |
| Noninterest income to average assets | 0.6541% | 3,175 |
| Noninterest expense to average assets | 3.2472% | 2,804 |
| Loan and lease loss provision to assets | 0.2319% | 4,129 |
| Net operating income to assets | 0.3433% | 5,098 |
| Return on assets (ROA) | 0.3526% | 5,241 |
| Pretax return on assets | 0.3526% | 5,526 |
| Return on Equity (ROE) | 4.5095% | 4,704 |
| Retained earnings to average equity (ytd only) | -6.8533% | 6,779 |
| Net charge-offs to loans | 0.0148% | 5,384 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 49.6000% | 729 |
| Efficiency ratio | 84.9515% | 2,201 |
| Assets per employee ($millions) | 3.4343% | 4,983 |
| Cash dividends to net income (ytd only)* | 251.9737% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,866 |
| Loan loss allowance to noncurrent loans | 46.0685% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 2.0336% | 2,843 |
| Noncurrent loans to loans | 2.2576% | 2,919 |
| Net loans and leases to total assets | 78.2423% | 1,764 |
| Net loans and leases to deposits | 92.7590% | 2,474 |
| Net loans and leases to core deposits | 127.5011% | 1,822 |
| Total domestic deposits to total assets | 84.3501% | 3,534 |
| Equity capital to assets | 7.7845% | 7,089 |
| Core capital (leverage) ratio | 7.6709% | 6,925 |
| Tier 1 risk-based capital ratio | 9.5369% | 7,398 |
| Total risk-based capital ratio | 10.6532% | 7,462 |
| Memoranda: | ||
| Average total assets | $172,454,000 | 3,613 |
| Average earning assets | $161,918,500 | 3,545 |
| Average equity | $13,482,500 | 4,453 |
| Average total loans | $135,252,500 | 3,264 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7618% | 1,820 |
| Cost of funding earning assets | 2.6671% | 3,326 |
| Net interest margin | 4.0947% | 2,735 |
| Noninterest income to average assets | 0.8931% | 1,986 |
| Noninterest expense to average assets | 3.4819% | 2,448 |
| Loan and lease loss provision to assets | 0.5069% | 2,781 |
| Net operating income to assets | 0.7282% | 3,762 |
| Return on assets (ROA) | 0.7314% | 3,587 |
| Pretax return on assets | 0.7314% | 4,296 |
| Return on Equity (ROE) | 8.4616% | 2,866 |
| Retained earnings to average equity (ytd only) | 3.8745% | 2,714 |
| Net charge-offs to loans | 0.6290% | 1,956 |
| Credit loss provision to net charge-offs | 96.2241% | 5,503 |
| Earnings coverage of net charge-offs (x) | 2.3447% | 4,913 |
| Efficiency ratio | 73.8166% | 3,615 |
| Assets per employee ($millions) | 3.3960% | 4,955 |
| Cash dividends to net income (ytd only)* | 54.2105% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 6,226 |
| Loan loss allowance to noncurrent loans | 50.9478% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 1.8806% | 2,616 |
| Noncurrent loans to loans | 1.9185% | 2,869 |
| Net loans and leases to total assets | 77.0367% | 2,364 |
| Net loans and leases to deposits | 91.4088% | 3,231 |
| Net loans and leases to core deposits | 130.7312% | 1,801 |
| Total domestic deposits to total assets | 84.2772% | 3,189 |
| Equity capital to assets | 7.8513% | 7,042 |
| Core capital (leverage) ratio | 7.8750% | 6,689 |
| Tier 1 risk-based capital ratio | 9.7173% | 7,059 |
| Total risk-based capital ratio | 10.7656% | 7,214 |
| Memoranda: | ||
| Average total assets | $155,864,400 | 3,786 |
| Average earning assets | $145,553,200 | 3,727 |
| Average equity | $13,472,600 | 4,460 |
| Average total loans | $130,531,200 | 3,262 |