Home > Georgia Commerce Bank > Performance and Condition Ratios
Georgia Commerce Bank, Performance and Condition Ratios
| 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 | 4.8812% | 729 |
| Cost of funding earning assets | 0.3441% | 3,939 |
| Net interest margin | 4.5371% | 565 |
| Noninterest income to average assets | 0.3786% | 4,169 |
| Noninterest expense to average assets | 2.4358% | 4,490 |
| Loan and lease loss provision to assets | 0.1662% | 1,204 |
| Net operating income to assets | 1.2903% | 1,307 |
| Return on assets (ROA) | 1.2903% | 1,389 |
| Pretax return on assets | 1.9929% | 592 |
| Return on Equity (ROE) | 11.5819% | 1,456 |
| Retained earnings to average equity (ytd only) | 11.5819% | 631 |
| Net charge-offs to loans | 0.0691% | 2,040 |
| Credit loss provision to net charge-offs | 327.0677% | 767 |
| Earnings coverage of net charge-offs (x) | 42.4887% | 941 |
| Efficiency ratio | 52.1204% | 5,803 |
| Assets per employee ($millions) | 7.9605% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 5,179 |
| Loan loss allowance to noncurrent loans | 99.3782% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.4677% | 1,795 |
| Noncurrent loans to loans | 0.9736% | 2,826 |
| Net loans and leases to total assets | 73.0597% | 1,643 |
| Net loans and leases to deposits | 85.4824% | 1,897 |
| Net loans and leases to core deposits | 90.8892% | 2,045 |
| Total domestic deposits to total assets | 85.4676% | 3,193 |
| Equity capital to assets | 11.0303% | 2,935 |
| Core capital (leverage) ratio | 10.7939% | 2,631 |
| Tier 1 risk-based capital ratio | 12.7784% | 4,740 |
| Total risk-based capital ratio | 13.6686% | 4,877 |
| Memoranda: | ||
| Average total assets | $1,046,897,000 | 675 |
| Average earning assets | $972,877,000 | 654 |
| Average equity | $116,630,500 | 661 |
| Average total loans | $769,961,500 | 602 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 569 |
| Cost of funding earning assets | 0.4105% | 3,582 |
| Net interest margin | 4.7435% | 486 |
| Noninterest income to average assets | 0.1172% | 6,097 |
| Noninterest expense to average assets | 2.7448% | 3,696 |
| Loan and lease loss provision to assets | 0.1616% | 1,626 |
| Net operating income to assets | 0.9438% | 2,655 |
| Return on assets (ROA) | 0.9438% | 2,748 |
| Pretax return on assets | 1.5097% | 1,505 |
| Return on Equity (ROE) | 8.4658% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.4658% | 841 |
| Net charge-offs to loans | 0.0382% | 4,067 |
| Credit loss provision to net charge-offs | 593.2584% | 449 |
| Earnings coverage of net charge-offs (x) | 61.3633% | 778 |
| Efficiency ratio | 61.0205% | 5,066 |
| Assets per employee ($millions) | 7.3319% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 5,080 |
| Loan loss allowance to noncurrent loans | 85.9797% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.7220% | 1,546 |
| Noncurrent loans to loans | 1.1599% | 2,515 |
| Net loans and leases to total assets | 72.5771% | 1,813 |
| Net loans and leases to deposits | 86.0482% | 1,979 |
| Net loans and leases to core deposits | 91.9520% | 2,093 |
| Total domestic deposits to total assets | 84.3447% | 3,574 |
| Equity capital to assets | 11.2569% | 2,645 |
| Core capital (leverage) ratio | 10.7926% | 2,619 |
| Tier 1 risk-based capital ratio | 13.7126% | 4,291 |
| Total risk-based capital ratio | 14.6684% | 4,399 |
| Memoranda: | ||
| Average total assets | $980,329,000 | 688 |
| Average earning assets | $888,443,400 | 691 |
| Average equity | $109,287,400 | 671 |
| Average total loans | $699,502,800 | 619 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 507 |
| Cost of funding earning assets | 0.4237% | 3,536 |
| Net interest margin | 4.7903% | 440 |
| Noninterest income to average assets | 0.1196% | 6,163 |
| Noninterest expense to average assets | 2.7390% | 3,680 |
| Loan and lease loss provision to assets | 0.1589% | 1,568 |
| Net operating income to assets | 0.9655% | 2,620 |
| Return on assets (ROA) | 0.9655% | 2,687 |
| Pretax return on assets | 1.5285% | 1,553 |
| Return on Equity (ROE) | 8.6833% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.6833% | 1,106 |
| Net charge-offs to loans | 0.0186% | 4,160 |
| Credit loss provision to net charge-offs | 1,205.2083% | 284 |
| Earnings coverage of net charge-offs (x) | 127.9552% | 469 |
| Efficiency ratio | 60.7063% | 5,090 |
| Assets per employee ($millions) | 7.1768% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 5,281 |
| Loan loss allowance to noncurrent loans | 131.9699% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.8397% | 1,606 |
| Noncurrent loans to loans | 0.7448% | 3,739 |
| Net loans and leases to total assets | 72.1410% | 1,822 |
| Net loans and leases to deposits | 87.4837% | 1,732 |
| Net loans and leases to core deposits | 94.1238% | 1,850 |
| Total domestic deposits to total assets | 82.4622% | 4,313 |
| Equity capital to assets | 11.1568% | 2,806 |
| Core capital (leverage) ratio | 10.6864% | 2,831 |
| Tier 1 risk-based capital ratio | 13.0743% | 4,815 |
| Total risk-based capital ratio | 13.9745% | 4,931 |
| Memoranda: | ||
| Average total assets | $970,629,000 | 691 |
| Average earning assets | $872,666,250 | 704 |
| Average equity | $107,928,750 | 678 |
| Average total loans | $687,602,250 | 624 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 459 |
| Cost of funding earning assets | 0.4287% | 3,567 |
| Net interest margin | 4.8368% | 386 |
| Noninterest income to average assets | -0.0083% | 6,565 |
| Noninterest expense to average assets | 2.7563% | 3,674 |
| Loan and lease loss provision to assets | 0.1409% | 1,754 |
| Net operating income to assets | 0.8949% | 2,840 |
| Return on assets (ROA) | 0.8949% | 2,934 |
| Pretax return on assets | 1.4249% | 1,802 |
| Return on Equity (ROE) | 8.0571% | 3,058 |
| Retained earnings to average equity (ytd only) | 8.0571% | 1,307 |
| Net charge-offs to loans | 0.0062% | 4,164 |
| Credit loss provision to net charge-offs | 3,219.0476% | 112 |
| Earnings coverage of net charge-offs (x) | 357.6190% | 191 |
| Efficiency ratio | 62.5277% | 4,940 |
| Assets per employee ($millions) | 6.9687% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 5,438 |
| Loan loss allowance to noncurrent loans | 104.2057% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 2.2907% | 1,308 |
| Noncurrent loans to loans | 0.9392% | 3,366 |
| Net loans and leases to total assets | 71.4244% | 1,838 |
| Net loans and leases to deposits | 82.6175% | 2,180 |
| Net loans and leases to core deposits | 89.0524% | 2,207 |
| Total domestic deposits to total assets | 86.4519% | 2,788 |
| Equity capital to assets | 11.3654% | 2,538 |
| Core capital (leverage) ratio | 10.5148% | 2,929 |
| Tier 1 risk-based capital ratio | 13.3152% | 4,710 |
| Total risk-based capital ratio | 14.2077% | 4,877 |
| Memoranda: | ||
| Average total assets | $959,254,670 | 699 |
| Average earning assets | $858,838,670 | 711 |
| Average equity | $106,539,000 | 684 |
| Average total loans | $672,792,000 | 636 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1965% | 486 |
| Cost of funding earning assets | 0.4318% | 3,630 |
| Net interest margin | 4.7646% | 407 |
| Noninterest income to average assets | -0.0885% | 6,659 |
| Noninterest expense to average assets | 2.7410% | 3,795 |
| Loan and lease loss provision to assets | 0.0852% | 2,486 |
| Net operating income to assets | 0.8400% | 2,951 |
| Return on assets (ROA) | 0.8400% | 3,025 |
| Pretax return on assets | 1.3373% | 1,972 |
| Return on Equity (ROE) | 7.6532% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.6532% | 1,748 |
| Net charge-offs to loans | -0.0066% | 4,895 |
| Credit loss provision to net charge-offs | -1,854.5455% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5106% | 4,776 |
| Assets per employee ($millions) | 7.2015% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 5,724 |
| Loan loss allowance to noncurrent loans | 75.9541% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.5120% | 1,265 |
| Noncurrent loans to loans | 1.2426% | 2,969 |
| Net loans and leases to total assets | 68.0354% | 2,216 |
| Net loans and leases to deposits | 78.1863% | 2,532 |
| Net loans and leases to core deposits | 84.2418% | 2,487 |
| Total domestic deposits to total assets | 87.0171% | 2,798 |
| Equity capital to assets | 10.8576% | 2,870 |
| Core capital (leverage) ratio | 10.5856% | 2,828 |
| Tier 1 risk-based capital ratio | 13.3525% | 4,793 |
| Total risk-based capital ratio | 14.2075% | 4,965 |
| Memoranda: | ||
| Average total assets | $958,039,500 | 710 |
| Average earning assets | $854,965,500 | 720 |
| Average equity | $105,159,000 | 691 |
| Average total loans | $662,354,500 | 647 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 1,244 |
| Cost of funding earning assets | 0.5591% | 3,029 |
| Net interest margin | 4.2752% | 1,162 |
| Noninterest income to average assets | 0.1266% | 6,300 |
| Noninterest expense to average assets | 3.1308% | 2,641 |
| Loan and lease loss provision to assets | 0.2060% | 1,798 |
| Net operating income to assets | 0.3820% | 5,211 |
| Return on assets (ROA) | 0.3820% | 5,326 |
| Pretax return on assets | 0.6083% | 4,851 |
| Return on Equity (ROE) | 3.5343% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.5343% | 3,707 |
| Net charge-offs to loans | 0.7282% | 881 |
| Credit loss provision to net charge-offs | 42.2432% | 3,990 |
| Earnings coverage of net charge-offs (x) | 1.6701% | 4,495 |
| Efficiency ratio | 79.1974% | 2,284 |
| Assets per employee ($millions) | 6.9383% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 5,273 |
| Loan loss allowance to noncurrent loans | 123.6879% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 2.6050% | 1,303 |
| Noncurrent loans to loans | 0.8650% | 3,817 |
| Net loans and leases to total assets | 68.8651% | 2,201 |
| Net loans and leases to deposits | 79.9373% | 2,467 |
| Net loans and leases to core deposits | 86.1644% | 2,427 |
| Total domestic deposits to total assets | 86.1489% | 3,180 |
| Equity capital to assets | 11.1008% | 2,526 |
| Core capital (leverage) ratio | 13.0165% | 1,138 |
| Tier 1 risk-based capital ratio | 13.9169% | 4,350 |
| Total risk-based capital ratio | 14.9181% | 4,487 |
| Memoranda: | ||
| Average total assets | $782,635,200 | 857 |
| Average earning assets | $699,024,000 | 864 |
| Average equity | $84,600,000 | 843 |
| Average total loans | $524,005,000 | 813 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 925 |
| Cost of funding earning assets | 0.6038% | 2,777 |
| Net interest margin | 4.4057% | 882 |
| Noninterest income to average assets | 0.5302% | 3,587 |
| Noninterest expense to average assets | 3.0924% | 2,681 |
| Loan and lease loss provision to assets | 0.2860% | 1,203 |
| Net operating income to assets | 0.6812% | 3,947 |
| Return on assets (ROA) | 0.6812% | 4,090 |
| Pretax return on assets | 1.0847% | 3,172 |
| Return on Equity (ROE) | 6.3559% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.3559% | 2,208 |
| Net charge-offs to loans | 1.0918% | 518 |
| Credit loss provision to net charge-offs | 39.6128% | 3,710 |
| Earnings coverage of net charge-offs (x) | 1.8987% | 4,194 |
| Efficiency ratio | 69.1357% | 3,896 |
| Assets per employee ($millions) | 6.8024% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 4,436 |
| Loan loss allowance to noncurrent loans | 81.7784% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 3.8460% | 839 |
| Noncurrent loans to loans | 1.5793% | 2,800 |
| Net loans and leases to total assets | 70.0353% | 1,959 |
| Net loans and leases to deposits | 81.2564% | 2,235 |
| Net loans and leases to core deposits | 87.4327% | 2,236 |
| Total domestic deposits to total assets | 86.1905% | 3,142 |
| Equity capital to assets | 11.0130% | 2,745 |
| Core capital (leverage) ratio | 10.7590% | 2,714 |
| Tier 1 risk-based capital ratio | 15.0004% | 3,751 |
| Total risk-based capital ratio | 16.2331% | 3,709 |
| Memoranda: | ||
| Average total assets | $744,126,500 | 906 |
| Average earning assets | $664,268,750 | 915 |
| Average equity | $79,755,500 | 903 |
| Average total loans | $492,002,500 | 862 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9954% | 916 |
| Cost of funding earning assets | 0.6133% | 2,817 |
| Net interest margin | 4.3821% | 879 |
| Noninterest income to average assets | 0.5042% | 3,802 |
| Noninterest expense to average assets | 3.0730% | 2,749 |
| Loan and lease loss provision to assets | 0.2933% | 1,231 |
| Net operating income to assets | 0.6501% | 4,060 |
| Return on assets (ROA) | 0.6501% | 4,221 |
| Pretax return on assets | 1.0350% | 3,351 |
| Return on Equity (ROE) | 6.1206% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.1206% | 2,363 |
| Net charge-offs to loans | 0.5806% | 1,137 |
| Credit loss provision to net charge-offs | 78.2857% | 2,663 |
| Earnings coverage of net charge-offs (x) | 3.5450% | 3,366 |
| Efficiency ratio | 69.6686% | 3,888 |
| Assets per employee ($millions) | 7.1336% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,564 |
| Loan loss allowance to noncurrent loans | 80.0216% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 5.1774% | 583 |
| Noncurrent loans to loans | 2.2006% | 2,174 |
| Net loans and leases to total assets | 63.3020% | 3,046 |
| Net loans and leases to deposits | 72.5002% | 3,382 |
| Net loans and leases to core deposits | 77.6788% | 3,339 |
| Total domestic deposits to total assets | 87.3128% | 2,652 |
| Equity capital to assets | 10.0864% | 3,808 |
| Core capital (leverage) ratio | 10.6048% | 2,760 |
| Tier 1 risk-based capital ratio | 15.1940% | 3,649 |
| Total risk-based capital ratio | 16.4495% | 3,614 |
| Memoranda: | ||
| Average total assets | $747,281,330 | 899 |
| Average earning assets | $664,568,000 | 908 |
| Average equity | $79,371,330 | 916 |
| Average total loans | $482,251,670 | 874 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 660 |
| Cost of funding earning assets | 0.6464% | 2,693 |
| Net interest margin | 4.5175% | 659 |
| Noninterest income to average assets | 0.4222% | 4,303 |
| Noninterest expense to average assets | 3.2013% | 2,349 |
| Loan and lease loss provision to assets | 0.2361% | 1,541 |
| Net operating income to assets | 0.6220% | 4,108 |
| Return on assets (ROA) | 0.6220% | 4,265 |
| Pretax return on assets | 0.9904% | 3,397 |
| Return on Equity (ROE) | 5.7018% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.7018% | 2,841 |
| Net charge-offs to loans | 0.5976% | 1,021 |
| Credit loss provision to net charge-offs | 61.1664% | 2,428 |
| Earnings coverage of net charge-offs (x) | 3.1778% | 2,826 |
| Efficiency ratio | 72.1389% | 3,589 |
| Assets per employee ($millions) | 6.6917% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 2,144 |
| Loan loss allowance to noncurrent loans | 73.7985% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 6.6251% | 446 |
| Noncurrent loans to loans | 2.6571% | 1,939 |
| Net loans and leases to total assets | 64.3104% | 2,646 |
| Net loans and leases to deposits | 74.5052% | 2,854 |
| Net loans and leases to core deposits | 80.3781% | 2,763 |
| Total domestic deposits to total assets | 86.3167% | 3,346 |
| Equity capital to assets | 10.9458% | 3,020 |
| Core capital (leverage) ratio | 10.8369% | 2,418 |
| Tier 1 risk-based capital ratio | 15.9500% | 3,297 |
| Total risk-based capital ratio | 17.2088% | 3,255 |
| Memoranda: | ||
| Average total assets | $728,572,500 | 926 |
| Average earning assets | $646,020,000 | 944 |
| Average equity | $79,483,000 | 927 |
| Average total loans | $470,560,500 | 901 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8891% | 319 |
| Cost of funding earning assets | 0.8460% | 2,317 |
| Net interest margin | 5.0431% | 361 |
| Noninterest income to average assets | 2.3136% | 350 |
| Noninterest expense to average assets | 4.5673% | 541 |
| Loan and lease loss provision to assets | 1.2372% | 289 |
| Net operating income to assets | 0.5594% | 4,432 |
| Return on assets (ROA) | 0.6274% | 4,367 |
| Pretax return on assets | 1.0066% | 3,526 |
| Return on Equity (ROE) | 6.7695% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.7695% | 1,683 |
| Net charge-offs to loans | 1.9328% | 387 |
| Credit loss provision to net charge-offs | 95.0140% | 3,273 |
| Earnings coverage of net charge-offs (x) | 1.6416% | 4,624 |
| Efficiency ratio | 67.9593% | 4,151 |
| Assets per employee ($millions) | 6.6159% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0963% | 1,780 |
| Loan loss allowance to noncurrent loans | 49.3965% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 6.9088% | 451 |
| Noncurrent loans to loans | 4.2439% | 1,054 |
| Net loans and leases to total assets | 62.2416% | 3,214 |
| Net loans and leases to deposits | 72.0778% | 3,401 |
| Net loans and leases to core deposits | 78.1049% | 3,244 |
| Total domestic deposits to total assets | 86.3534% | 3,176 |
| Equity capital to assets | 10.8729% | 3,101 |
| Core capital (leverage) ratio | 11.1446% | 2,132 |
| Tier 1 risk-based capital ratio | 16.4147% | 2,935 |
| Total risk-based capital ratio | 17.6745% | 2,895 |
| Memoranda: | ||
| Average total assets | $657,681,000 | 1,002 |
| Average earning assets | $572,681,400 | 1,054 |
| Average equity | $60,949,800 | 1,173 |
| Average total loans | $443,093,400 | 940 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1259% | 244 |
| Cost of funding earning assets | 0.8888% | 2,248 |
| Net interest margin | 5.2371% | 276 |
| Noninterest income to average assets | 1.8289% | 481 |
| Noninterest expense to average assets | 4.4323% | 582 |
| Loan and lease loss provision to assets | 0.9543% | 444 |
| Net operating income to assets | 0.6096% | 4,349 |
| Return on assets (ROA) | 0.7158% | 4,090 |
| Pretax return on assets | 1.1416% | 3,189 |
| Return on Equity (ROE) | 8.1243% | 3,227 |
| Retained earnings to average equity (ytd only) | 8.1243% | 1,565 |
| Net charge-offs to loans | 1.7337% | 468 |
| Credit loss provision to net charge-offs | 80.4142% | 3,603 |
| Earnings coverage of net charge-offs (x) | 1.6262% | 4,467 |
| Efficiency ratio | 69.6664% | 3,754 |
| Assets per employee ($millions) | 6.3154% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0656% | 1,997 |
| Loan loss allowance to noncurrent loans | 32.6905% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 8.8717% | 311 |
| Noncurrent loans to loans | 6.3188% | 620 |
| Net loans and leases to total assets | 67.7492% | 2,330 |
| Net loans and leases to deposits | 77.0677% | 2,800 |
| Net loans and leases to core deposits | 84.3819% | 2,655 |
| Total domestic deposits to total assets | 87.9086% | 2,100 |
| Equity capital to assets | 9.0571% | 5,768 |
| Core capital (leverage) ratio | 8.7737% | 5,379 |
| Tier 1 risk-based capital ratio | 12.9822% | 5,269 |
| Total risk-based capital ratio | 14.2485% | 5,213 |
| Memoranda: | ||
| Average total assets | $640,162,750 | 1,038 |
| Average earning assets | $554,138,500 | 1,102 |
| Average equity | $56,405,250 | 1,266 |
| Average total loans | $438,200,500 | 954 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0958% | 259 |
| Cost of funding earning assets | 0.9171% | 2,275 |
| Net interest margin | 5.1786% | 302 |
| Noninterest income to average assets | 0.5125% | 3,842 |
| Noninterest expense to average assets | 3.3881% | 2,059 |
| Loan and lease loss provision to assets | 0.4950% | 1,285 |
| Net operating income to assets | 0.6687% | 4,022 |
| Return on assets (ROA) | 0.6687% | 4,282 |
| Pretax return on assets | 1.0807% | 3,375 |
| Return on Equity (ROE) | 7.6615% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.6615% | 1,780 |
| Net charge-offs to loans | 2.4837% | 285 |
| Credit loss provision to net charge-offs | 29.2183% | 4,454 |
| Earnings coverage of net charge-offs (x) | 0.9301% | 4,569 |
| Efficiency ratio | 68.2561% | 4,073 |
| Assets per employee ($millions) | 6.6721% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,463 |
| Loan loss allowance to noncurrent loans | 18.2450% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 9.6799% | 285 |
| Noncurrent loans to loans | 7.6746% | 461 |
| Net loans and leases to total assets | 67.4496% | 2,384 |
| Net loans and leases to deposits | 76.5915% | 2,900 |
| Net loans and leases to core deposits | 83.2145% | 2,796 |
| Total domestic deposits to total assets | 88.0641% | 2,101 |
| Equity capital to assets | 8.6481% | 6,078 |
| Core capital (leverage) ratio | 8.6872% | 5,401 |
| Tier 1 risk-based capital ratio | 12.6325% | 5,469 |
| Total risk-based capital ratio | 13.8848% | 5,453 |
| Memoranda: | ||
| Average total assets | $638,827,000 | 1,039 |
| Average earning assets | $549,101,330 | 1,110 |
| Average equity | $55,759,330 | 1,276 |
| Average total loans | $435,725,670 | 958 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3264% | 200 |
| Cost of funding earning assets | 1.0010% | 1,980 |
| Net interest margin | 5.3254% | 237 |
| Noninterest income to average assets | 0.4312% | 4,445 |
| Noninterest expense to average assets | 3.2250% | 2,520 |
| Loan and lease loss provision to assets | 0.5758% | 1,003 |
| Net operating income to assets | 0.6949% | 3,910 |
| Return on assets (ROA) | 0.6949% | 4,129 |
| Pretax return on assets | 1.1204% | 3,243 |
| Return on Equity (ROE) | 7.9235% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.9235% | 2,011 |
| Net charge-offs to loans | 0.6613% | 1,481 |
| Credit loss provision to net charge-offs | 127.8642% | 1,892 |
| Earnings coverage of net charge-offs (x) | 3.7666% | 2,758 |
| Efficiency ratio | 65.5320% | 4,649 |
| Assets per employee ($millions) | 6.8236% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 3,109 |
| Loan loss allowance to noncurrent loans | 24.4549% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 9.3961% | 348 |
| Noncurrent loans to loans | 7.2143% | 599 |
| Net loans and leases to total assets | 67.9418% | 2,130 |
| Net loans and leases to deposits | 77.5327% | 2,592 |
| Net loans and leases to core deposits | 84.3925% | 2,500 |
| Total domestic deposits to total assets | 87.6299% | 2,573 |
| Equity capital to assets | 8.8698% | 5,672 |
| Core capital (leverage) ratio | 8.7815% | 5,154 |
| Tier 1 risk-based capital ratio | 12.6568% | 5,481 |
| Total risk-based capital ratio | 13.9134% | 5,437 |
| Memoranda: | ||
| Average total assets | $627,973,000 | 1,055 |
| Average earning assets | $529,467,500 | 1,158 |
| Average equity | $55,077,000 | 1,288 |
| Average total loans | $427,661,000 | 978 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4501% | 1,296 |
| Cost of funding earning assets | 1.0404% | 3,094 |
| Net interest margin | 4.4097% | 1,375 |
| Noninterest income to average assets | 1.2152% | 896 |
| Noninterest expense to average assets | 3.1384% | 3,067 |
| Loan and lease loss provision to assets | 0.9035% | 1,064 |
| Net operating income to assets | 0.6848% | 3,558 |
| Return on assets (ROA) | 0.7594% | 3,381 |
| Pretax return on assets | 1.2237% | 2,374 |
| Return on Equity (ROE) | 7.3422% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.3422% | 1,345 |
| Net charge-offs to loans | 0.7080% | 2,390 |
| Credit loss provision to net charge-offs | 183.1493% | 1,405 |
| Earnings coverage of net charge-offs (x) | 4.0757% | 3,278 |
| Efficiency ratio | 60.9522% | 5,612 |
| Assets per employee ($millions) | 6.9030% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 3,037 |
| Loan loss allowance to noncurrent loans | 29.1611% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 7.7910% | 536 |
| Noncurrent loans to loans | 5.9946% | 832 |
| Net loans and leases to total assets | 65.8704% | 2,814 |
| Net loans and leases to deposits | 74.9073% | 3,360 |
| Net loans and leases to core deposits | 81.6734% | 3,228 |
| Total domestic deposits to total assets | 87.9359% | 2,202 |
| Equity capital to assets | 8.6715% | 5,934 |
| Core capital (leverage) ratio | 8.6382% | 5,334 |
| Tier 1 risk-based capital ratio | 13.1671% | 4,947 |
| Total risk-based capital ratio | 14.4249% | 4,913 |
| Memoranda: | ||
| Average total assets | $495,633,600 | 1,346 |
| Average earning assets | $442,142,000 | 1,368 |
| Average equity | $51,265,200 | 1,339 |
| Average total loans | $345,348,400 | 1,228 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 3,579 |
| Cost of funding earning assets | 0.9994% | 3,681 |
| Net interest margin | 3.8963% | 3,398 |
| Noninterest income to average assets | 1.5913% | 520 |
| Noninterest expense to average assets | 2.8234% | 4,256 |
| Loan and lease loss provision to assets | 0.9620% | 911 |
| Net operating income to assets | 0.8408% | 2,984 |
| Return on assets (ROA) | 0.9482% | 2,707 |
| Pretax return on assets | 1.5342% | 1,568 |
| Return on Equity (ROE) | 8.6899% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.6899% | 1,252 |
| Net charge-offs to loans | 0.5821% | 2,508 |
| Credit loss provision to net charge-offs | 234.1754% | 1,212 |
| Earnings coverage of net charge-offs (x) | 5.6681% | 2,726 |
| Efficiency ratio | 54.8039% | 6,410 |
| Assets per employee ($millions) | 7.2206% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 3,121 |
| Loan loss allowance to noncurrent loans | 32.3562% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 7.6896% | 601 |
| Noncurrent loans to loans | 5.3957% | 1,111 |
| Net loans and leases to total assets | 66.3965% | 2,801 |
| Net loans and leases to deposits | 77.1588% | 3,142 |
| Net loans and leases to core deposits | 85.2760% | 2,877 |
| Total domestic deposits to total assets | 86.0518% | 3,191 |
| Equity capital to assets | 8.8361% | 5,940 |
| Core capital (leverage) ratio | 11.2491% | 2,193 |
| Tier 1 risk-based capital ratio | 14.1089% | 4,275 |
| Total risk-based capital ratio | 15.3670% | 4,239 |
| Memoranda: | ||
| Average total assets | $462,498,000 | 1,432 |
| Average earning assets | $422,646,500 | 1,437 |
| Average equity | $50,463,500 | 1,354 |
| Average total loans | $326,399,500 | 1,305 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 4,101 |
| Cost of funding earning assets | 1.0351% | 3,704 |
| Net interest margin | 3.7636% | 3,972 |
| Noninterest income to average assets | 0.2325% | 5,982 |
| Noninterest expense to average assets | 2.5170% | 5,464 |
| Loan and lease loss provision to assets | 0.6052% | 1,591 |
| Net operating income to assets | 0.4243% | 4,839 |
| Return on assets (ROA) | 0.4227% | 4,995 |
| Pretax return on assets | 0.6814% | 4,459 |
| Return on Equity (ROE) | 3.5401% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.5401% | 3,991 |
| Net charge-offs to loans | 0.8587% | 1,793 |
| Credit loss provision to net charge-offs | 97.8039% | 3,227 |
| Earnings coverage of net charge-offs (x) | 2.0831% | 3,815 |
| Efficiency ratio | 66.1311% | 4,850 |
| Assets per employee ($millions) | 7.7678% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 3,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5833% | 2,579 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.2690% | 1,944 |
| Net loans and leases to deposits | 85.7336% | 1,826 |
| Net loans and leases to core deposits | 96.9836% | 1,584 |
| Total domestic deposits to total assets | 83.1284% | 4,705 |
| Equity capital to assets | 12.4195% | 1,833 |
| Core capital (leverage) ratio | 12.4737% | 1,370 |
| Tier 1 risk-based capital ratio | 15.5985% | 3,186 |
| Total risk-based capital ratio | 16.8529% | 3,141 |
| Memoranda: | ||
| Average total assets | $412,079,000 | 1,597 |
| Average earning assets | $391,272,670 | 1,539 |
| Average equity | $49,207,330 | 1,374 |
| Average total loans | $296,948,330 | 1,464 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 4,904 |
| Cost of funding earning assets | 1.0643% | 3,755 |
| Net interest margin | 3.5450% | 4,831 |
| Noninterest income to average assets | 0.1783% | 6,446 |
| Noninterest expense to average assets | 2.4193% | 5,828 |
| Loan and lease loss provision to assets | 0.6063% | 1,416 |
| Net operating income to assets | 0.3284% | 5,275 |
| Return on assets (ROA) | 0.3115% | 5,423 |
| Pretax return on assets | 0.4995% | 5,028 |
| Return on Equity (ROE) | 2.6631% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.6631% | 4,569 |
| Net charge-offs to loans | 0.4310% | 2,402 |
| Credit loss provision to net charge-offs | 195.8861% | 1,514 |
| Earnings coverage of net charge-offs (x) | 3.6582% | 2,677 |
| Efficiency ratio | 68.1191% | 4,632 |
| Assets per employee ($millions) | 8.1041% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 2,651 |
| Loan loss allowance to noncurrent loans | 153.2100% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 2.8013% | 2,458 |
| Noncurrent loans to loans | 1.2474% | 4,603 |
| Net loans and leases to total assets | 68.5955% | 2,430 |
| Net loans and leases to deposits | 82.0134% | 2,362 |
| Net loans and leases to core deposits | 91.8753% | 2,144 |
| Total domestic deposits to total assets | 83.6394% | 4,645 |
| Equity capital to assets | 12.0286% | 1,903 |
| Core capital (leverage) ratio | 12.7161% | 1,233 |
| Tier 1 risk-based capital ratio | 15.7346% | 3,034 |
| Total risk-based capital ratio | 16.9910% | 2,990 |
| Memoranda: | ||
| Average total assets | $408,387,000 | 1,619 |
| Average earning assets | $388,603,500 | 1,562 |
| Average equity | $47,763,500 | 1,399 |
| Average total loans | $293,298,500 | 1,498 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 4,812 |
| Cost of funding earning assets | 1.0571% | 5,385 |
| Net interest margin | 3.8872% | 3,554 |
| Noninterest income to average assets | 0.2243% | 6,200 |
| Noninterest expense to average assets | 2.2134% | 6,581 |
| Loan and lease loss provision to assets | 0.7518% | 2,183 |
| Net operating income to assets | 0.5799% | 3,757 |
| Return on assets (ROA) | 0.5799% | 3,917 |
| Pretax return on assets | 0.9386% | 3,140 |
| Return on Equity (ROE) | 5.2914% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.2914% | 2,252 |
| Net charge-offs to loans | 0.5302% | 3,505 |
| Credit loss provision to net charge-offs | 178.4545% | 1,857 |
| Earnings coverage of net charge-offs (x) | 4.0124% | 3,104 |
| Efficiency ratio | 56.6996% | 6,497 |
| Assets per employee ($millions) | 8.2367% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 2,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0940% | 3,231 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.4820% | 1,987 |
| Net loans and leases to deposits | 86.2747% | 2,045 |
| Net loans and leases to core deposits | 97.0144% | 1,890 |
| Total domestic deposits to total assets | 84.0131% | 4,356 |
| Equity capital to assets | 11.3408% | 2,384 |
| Core capital (leverage) ratio | 11.9621% | 1,575 |
| Tier 1 risk-based capital ratio | 14.4362% | 3,596 |
| Total risk-based capital ratio | 15.6944% | 3,541 |
| Memoranda: | ||
| Average total assets | $362,466,800 | 1,807 |
| Average earning assets | $343,102,800 | 1,741 |
| Average equity | $39,725,200 | 1,665 |
| Average total loans | $288,007,600 | 1,557 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 4,746 |
| Cost of funding earning assets | 1.0486% | 5,701 |
| Net interest margin | 3.9650% | 3,265 |
| Noninterest income to average assets | 0.1965% | 6,482 |
| Noninterest expense to average assets | 2.2124% | 6,570 |
| Loan and lease loss provision to assets | 0.6963% | 2,204 |
| Net operating income to assets | 0.6432% | 3,683 |
| Return on assets (ROA) | 0.6432% | 3,853 |
| Pretax return on assets | 1.0365% | 3,044 |
| Return on Equity (ROE) | 5.9266% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.9266% | 2,401 |
| Net charge-offs to loans | 0.5184% | 3,222 |
| Credit loss provision to net charge-offs | 165.7706% | 2,259 |
| Earnings coverage of net charge-offs (x) | 4.1255% | 3,182 |
| Efficiency ratio | 56.0771% | 6,546 |
| Assets per employee ($millions) | 9.6329% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 3,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0590% | 3,396 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 72.4640% | 2,141 |
| Net loans and leases to deposits | 84.7804% | 2,558 |
| Net loans and leases to core deposits | 93.5856% | 2,579 |
| Total domestic deposits to total assets | 85.4725% | 3,367 |
| Equity capital to assets | 10.0195% | 4,137 |
| Core capital (leverage) ratio | 11.5744% | 1,898 |
| Tier 1 risk-based capital ratio | 12.7460% | 4,779 |
| Total risk-based capital ratio | 14.0025% | 4,752 |
| Memoranda: | ||
| Average total assets | $354,243,500 | 1,870 |
| Average earning assets | $334,919,750 | 1,805 |
| Average equity | $38,447,250 | 1,734 |
| Average total loans | $287,036,000 | 1,574 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 4,319 |
| Cost of funding earning assets | 1.0516% | 5,910 |
| Net interest margin | 4.0739% | 2,685 |
| Noninterest income to average assets | 0.1438% | 6,867 |
| Noninterest expense to average assets | 2.2091% | 6,621 |
| Loan and lease loss provision to assets | 0.7925% | 1,817 |
| Net operating income to assets | 0.6100% | 3,839 |
| Return on assets (ROA) | 0.6100% | 3,972 |
| Pretax return on assets | 0.9810% | 3,199 |
| Return on Equity (ROE) | 5.4580% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.4580% | 2,641 |
| Net charge-offs to loans | 0.7820% | 2,292 |
| Credit loss provision to net charge-offs | 120.8594% | 3,353 |
| Earnings coverage of net charge-offs (x) | 2.7046% | 3,643 |
| Efficiency ratio | 55.4688% | 6,709 |
| Assets per employee ($millions) | 9.1077% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 3,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9348% | 2,449 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 82.4746% | 486 |
| Net loans and leases to deposits | 100.2492% | 700 |
| Net loans and leases to core deposits | 112.2946% | 1,019 |
| Total domestic deposits to total assets | 82.2696% | 4,879 |
| Equity capital to assets | 11.5299% | 2,416 |
| Core capital (leverage) ratio | 11.7381% | 1,787 |
| Tier 1 risk-based capital ratio | 13.0128% | 4,428 |
| Total risk-based capital ratio | 14.2656% | 4,380 |
| Memoranda: | ||
| Average total assets | $340,675,330 | 1,960 |
| Average earning assets | $321,020,330 | 1,889 |
| Average equity | $38,072,330 | 1,748 |
| Average total loans | $285,694,670 | 1,598 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 4,864 |
| Cost of funding earning assets | 0.9653% | 6,523 |
| Net interest margin | 4.0679% | 2,578 |
| Noninterest income to average assets | 0.1320% | 7,030 |
| Noninterest expense to average assets | 2.2305% | 6,611 |
| Loan and lease loss provision to assets | 0.8759% | 1,454 |
| Net operating income to assets | 0.5407% | 4,181 |
| Return on assets (ROA) | 0.5407% | 4,319 |
| Pretax return on assets | 0.8642% | 3,608 |
| Return on Equity (ROE) | 4.9149% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.9149% | 3,197 |
| Net charge-offs to loans | 0.6263% | 2,254 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 3.3111% | 2,945 |
| Efficiency ratio | 56.1765% | 6,738 |
| Assets per employee ($millions) | 9.6455% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,639 |
| Loan loss allowance to noncurrent loans | 80.9463% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 4.1686% | 1,631 |
| Noncurrent loans to loans | 1.9206% | 3,901 |
| Net loans and leases to total assets | 83.1149% | 463 |
| Net loans and leases to deposits | 125.4235% | 98 |
| Net loans and leases to core deposits | 142.8368% | 297 |
| Total domestic deposits to total assets | 66.2674% | 7,606 |
| Equity capital to assets | 11.2653% | 2,529 |
| Core capital (leverage) ratio | 11.4016% | 1,965 |
| Tier 1 risk-based capital ratio | 12.7716% | 4,508 |
| Total risk-based capital ratio | 14.0246% | 4,468 |
| Memoranda: | ||
| Average total assets | $342,520,000 | 2,001 |
| Average earning assets | $323,212,500 | 1,927 |
| Average equity | $37,681,500 | 1,786 |
| Average total loans | $287,396,000 | 1,642 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1657% | 5,811 |
| Cost of funding earning assets | 0.9037% | 7,399 |
| Net interest margin | 4.2620% | 1,848 |
| Noninterest income to average assets | 0.2072% | 6,624 |
| Noninterest expense to average assets | 2.1998% | 6,996 |
| Loan and lease loss provision to assets | 1.3251% | 1,735 |
| Net operating income to assets | 0.4609% | 3,886 |
| Return on assets (ROA) | 0.4607% | 4,008 |
| Pretax return on assets | 0.7353% | 3,457 |
| Return on Equity (ROE) | 4.2457% | 3,989 |
| Retained earnings to average equity (ytd only) | 4.2457% | 2,249 |
| Net charge-offs to loans | 1.0363% | 2,343 |
| Credit loss provision to net charge-offs | 149.1597% | 3,121 |
| Earnings coverage of net charge-offs (x) | 2.3197% | 3,990 |
| Efficiency ratio | 51.6317% | 7,417 |
| Assets per employee ($millions) | 9.9271% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 4,097 |
| Loan loss allowance to noncurrent loans | 117.3913% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 3.5562% | 1,880 |
| Noncurrent loans to loans | 1.2144% | 4,925 |
| Net loans and leases to total assets | 82.2111% | 657 |
| Net loans and leases to deposits | 133.0954% | 76 |
| Net loans and leases to core deposits | 174.0370% | 206 |
| Total domestic deposits to total assets | 61.7686% | 7,766 |
| Equity capital to assets | 10.7447% | 2,933 |
| Core capital (leverage) ratio | 11.2992% | 2,043 |
| Tier 1 risk-based capital ratio | 12.3107% | 4,673 |
| Total risk-based capital ratio | 13.5631% | 4,633 |
| Memoranda: | ||
| Average total assets | $321,489,400 | 2,106 |
| Average earning assets | $305,745,600 | 2,037 |
| Average equity | $34,882,200 | 1,928 |
| Average total loans | $275,593,600 | 1,744 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 6,230 |
| Cost of funding earning assets | 0.9051% | 7,550 |
| Net interest margin | 4.2049% | 2,041 |
| Noninterest income to average assets | 0.2320% | 6,564 |
| Noninterest expense to average assets | 2.1134% | 7,167 |
| Loan and lease loss provision to assets | 1.5310% | 1,242 |
| Net operating income to assets | 0.3749% | 4,494 |
| Return on assets (ROA) | 0.3746% | 4,601 |
| Pretax return on assets | 0.5930% | 4,203 |
| Return on Equity (ROE) | 3.4432% | 4,602 |
| Retained earnings to average equity (ytd only) | 3.4432% | 3,370 |
| Net charge-offs to loans | 1.1669% | 1,736 |
| Credit loss provision to net charge-offs | 151.9110% | 3,150 |
| Earnings coverage of net charge-offs (x) | 2.1079% | 4,241 |
| Efficiency ratio | 49.8702% | 7,568 |
| Assets per employee ($millions) | 9.4318% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,008 |
| Loan loss allowance to noncurrent loans | 91.0825% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 3.8069% | 1,701 |
| Noncurrent loans to loans | 1.5247% | 4,369 |
| Net loans and leases to total assets | 85.2469% | 411 |
| Net loans and leases to deposits | 142.4786% | 73 |
| Net loans and leases to core deposits | 183.1554% | 172 |
| Total domestic deposits to total assets | 59.8313% | 7,879 |
| Equity capital to assets | 11.1862% | 2,844 |
| Core capital (leverage) ratio | 11.5064% | 2,072 |
| Tier 1 risk-based capital ratio | 12.4082% | 4,621 |
| Total risk-based capital ratio | 13.6595% | 4,564 |
| Memoranda: | ||
| Average total assets | $315,000,000 | 2,146 |
| Average earning assets | $300,084,750 | 2,088 |
| Average equity | $34,269,750 | 1,985 |
| Average total loans | $272,049,250 | 1,784 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 6,286 |
| Cost of funding earning assets | 0.9114% | 7,681 |
| Net interest margin | 4.2273% | 1,889 |
| Noninterest income to average assets | 0.1413% | 7,243 |
| Noninterest expense to average assets | 2.2751% | 6,838 |
| Loan and lease loss provision to assets | 1.2434% | 1,378 |
| Net operating income to assets | 0.4100% | 4,470 |
| Return on assets (ROA) | 0.4104% | 4,577 |
| Pretax return on assets | 0.6549% | 4,147 |
| Return on Equity (ROE) | 3.8102% | 4,575 |
| Retained earnings to average equity (ytd only) | 3.8102% | 3,173 |
| Net charge-offs to loans | 0.7541% | 2,177 |
| Credit loss provision to net charge-offs | 190.9812% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2.9148% | 3,646 |
| Efficiency ratio | 54.5230% | 7,276 |
| Assets per employee ($millions) | 9.0966% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,267 |
| Loan loss allowance to noncurrent loans | 342.5752% | 920 |
| Noncurrent assets plus other real estate owned to assets | 2.6955% | 2,383 |
| Noncurrent loans to loans | 0.3796% | 6,560 |
| Net loans and leases to total assets | 84.4875% | 561 |
| Net loans and leases to deposits | 145.0363% | 68 |
| Net loans and leases to core deposits | 159.8688% | 455 |
| Total domestic deposits to total assets | 58.2526% | 7,977 |
| Equity capital to assets | 11.1574% | 2,788 |
| Core capital (leverage) ratio | 11.9335% | 1,863 |
| Tier 1 risk-based capital ratio | 11.9695% | 4,949 |
| Total risk-based capital ratio | 13.1621% | 4,908 |
| Memoranda: | ||
| Average total assets | $309,962,330 | 2,202 |
| Average earning assets | $295,600,670 | 2,143 |
| Average equity | $33,384,000 | 2,038 |
| Average total loans | $267,607,670 | 1,842 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 7,619 |
| Cost of funding earning assets | 0.9551% | 7,744 |
| Net interest margin | 3.6470% | 4,112 |
| Noninterest income to average assets | -0.1182% | 8,145 |
| Noninterest expense to average assets | 2.0863% | 7,152 |
| Loan and lease loss provision to assets | 0.7118% | 1,799 |
| Net operating income to assets | 0.3559% | 5,043 |
| Return on assets (ROA) | 0.3559% | 5,229 |
| Pretax return on assets | 0.5724% | 4,839 |
| Return on Equity (ROE) | 3.3703% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.3703% | 4,007 |
| Net charge-offs to loans | 0.0413% | 4,909 |
| Credit loss provision to net charge-offs | 1,985.1852% | 326 |
| Earnings coverage of net charge-offs (x) | 35.8148% | 929 |
| Efficiency ratio | 61.8991% | 6,066 |
| Assets per employee ($millions) | 8.2770% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 4,614 |
| Loan loss allowance to noncurrent loans | 346.8382% | 988 |
| Noncurrent assets plus other real estate owned to assets | 1.4188% | 3,812 |
| Noncurrent loans to loans | 0.3535% | 6,544 |
| Net loans and leases to total assets | 85.1166% | 533 |
| Net loans and leases to deposits | 139.5544% | 92 |
| Net loans and leases to core deposits | 153.6215% | 608 |
| Total domestic deposits to total assets | 60.9917% | 7,945 |
| Equity capital to assets | 11.5135% | 2,580 |
| Core capital (leverage) ratio | 12.1634% | 1,831 |
| Tier 1 risk-based capital ratio | 12.0734% | 4,904 |
| Total risk-based capital ratio | 13.1836% | 4,925 |
| Memoranda: | ||
| Average total assets | $301,205,000 | 2,260 |
| Average earning assets | $288,128,000 | 2,192 |
| Average equity | $31,807,000 | 2,128 |
| Average total loans | $261,250,500 | 1,896 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8365% | 6,311 |
| Cost of funding earning assets | 2.0449% | 6,261 |
| Net interest margin | 3.7915% | 4,058 |
| Noninterest income to average assets | 0.1704% | 7,204 |
| Noninterest expense to average assets | 2.2815% | 6,751 |
| Loan and lease loss provision to assets | 0.2998% | 3,976 |
| Net operating income to assets | 0.7676% | 3,580 |
| Return on assets (ROA) | 0.7676% | 3,425 |
| Pretax return on assets | 1.2206% | 2,579 |
| Return on Equity (ROE) | 7.3691% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.5478% | 1,745 |
| Net charge-offs to loans | 0.1583% | 4,613 |
| Credit loss provision to net charge-offs | 215.2589% | 2,242 |
| Earnings coverage of net charge-offs (x) | 10.9183% | 2,446 |
| Efficiency ratio | 60.0100% | 6,336 |
| Assets per employee ($millions) | 8.2267% | 438 |
| Cash dividends to net income (ytd only)* | 24.7158% | 4,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 5,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 6,095 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 86.3953% | 552 |
| Net loans and leases to deposits | 148.8006% | 81 |
| Net loans and leases to core deposits | 169.0853% | 419 |
| Total domestic deposits to total assets | 58.0611% | 8,013 |
| Equity capital to assets | 9.5738% | 4,581 |
| Core capital (leverage) ratio | 10.3600% | 3,110 |
| Tier 1 risk-based capital ratio | 9.9171% | 6,826 |
| Total risk-based capital ratio | 10.8702% | 7,070 |
| Memoranda: | ||
| Average total assets | $263,549,200 | 2,430 |
| Average earning assets | $252,430,400 | 2,350 |
| Average equity | $27,452,400 | 2,445 |
| Average total loans | $231,865,400 | 2,036 |