Home > Greater Delaware Valley Savings Bank > Performance and Condition Ratios
Greater Delaware Valley Savings Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 2,412 |
| Cost of funding earning assets | 0.5793% | 1,550 |
| Net interest margin | 3.6686% | 2,893 |
| Noninterest income to average assets | 0.0237% | 6,150 |
| Noninterest expense to average assets | 2.9457% | 2,683 |
| Loan and lease loss provision to assets | 0.1024% | 2,146 |
| Net operating income to assets | 0.2914% | 5,476 |
| Return on assets (ROA) | 0.3940% | 5,274 |
| Pretax return on assets | 0.5757% | 5,031 |
| Return on Equity (ROE) | 2.6076% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.6076% | 4,556 |
| Net charge-offs to loans | 0.0072% | 3,916 |
| Credit loss provision to net charge-offs | 1,882.3529% | 199 |
| Earnings coverage of net charge-offs (x) | 96.9246% | 645 |
| Efficiency ratio | 84.8223% | 1,096 |
| Assets per employee ($millions) | 7.1651% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 2,053 |
| Loan loss allowance to noncurrent loans | 153.3119% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9632% | 2,444 |
| Noncurrent loans to loans | 0.9937% | 2,503 |
| Net loans and leases to total assets | 75.4609% | 1,466 |
| Net loans and leases to deposits | 92.2308% | 1,379 |
| Net loans and leases to core deposits | 94.7196% | 2,010 |
| Total domestic deposits to total assets | 81.8175% | 4,222 |
| Equity capital to assets | 15.5662% | 636 |
| Core capital (leverage) ratio | 15.7996% | 517 |
| Tier 1 risk-based capital ratio | 24.4333% | 901 |
| Total risk-based capital ratio | 25.6897% | 891 |
| Memoranda: | ||
| Average total assets | $416,863,000 | 1,597 |
| Average earning assets | $391,926,250 | 1,567 |
| Average equity | $62,994,500 | 1,205 |
| Average total loans | $313,113,750 | 1,419 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,496 |
| Cost of funding earning assets | 0.5693% | 1,650 |
| Net interest margin | 3.6460% | 2,925 |
| Noninterest income to average assets | 0.0548% | 6,157 |
| Noninterest expense to average assets | 3.0661% | 2,347 |
| Loan and lease loss provision to assets | 0.0953% | 2,221 |
| Net operating income to assets | 0.1511% | 5,807 |
| Return on assets (ROA) | 0.1511% | 5,854 |
| Pretax return on assets | 0.3207% | 5,621 |
| Return on Equity (ROE) | 1.0095% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.0095% | 5,167 |
| Net charge-offs to loans | 0.0115% | 3,507 |
| Credit loss provision to net charge-offs | 1,111.1111% | 320 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 978 |
| Efficiency ratio | 88.0526% | 905 |
| Assets per employee ($millions) | 6.1033% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 2,390 |
| Loan loss allowance to noncurrent loans | 145.5371% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 2,472 |
| Noncurrent loans to loans | 1.0151% | 2,617 |
| Net loans and leases to total assets | 74.6730% | 1,555 |
| Net loans and leases to deposits | 90.7342% | 1,508 |
| Net loans and leases to core deposits | 93.0837% | 2,054 |
| Total domestic deposits to total assets | 82.2986% | 4,190 |
| Equity capital to assets | 15.2093% | 665 |
| Core capital (leverage) ratio | 15.4767% | 546 |
| Tier 1 risk-based capital ratio | 23.2745% | 1,039 |
| Total risk-based capital ratio | 24.5297% | 1,023 |
| Memoranda: | ||
| Average total assets | $419,680,670 | 1,605 |
| Average earning assets | $394,516,000 | 1,567 |
| Average equity | $62,801,330 | 1,213 |
| Average total loans | $313,165,670 | 1,423 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 2,524 |
| Cost of funding earning assets | 0.5625% | 1,728 |
| Net interest margin | 3.6191% | 2,933 |
| Noninterest income to average assets | 0.1592% | 5,781 |
| Noninterest expense to average assets | 2.9895% | 2,621 |
| Loan and lease loss provision to assets | 0.1137% | 1,816 |
| Net operating income to assets | 0.2512% | 5,563 |
| Return on assets (ROA) | 0.2512% | 5,652 |
| Pretax return on assets | 0.4588% | 5,289 |
| Return on Equity (ROE) | 1.6922% | 5,760 |
| Retained earnings to average equity (ytd only) | 1.6922% | 4,802 |
| Net charge-offs to loans | -0.0026% | 4,373 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9276% | 1,393 |
| Assets per employee ($millions) | 5.4995% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 2,634 |
| Loan loss allowance to noncurrent loans | 169.3245% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 2,745 |
| Noncurrent loans to loans | 0.8608% | 3,093 |
| Net loans and leases to total assets | 73.2324% | 1,610 |
| Net loans and leases to deposits | 88.4709% | 1,565 |
| Net loans and leases to core deposits | 90.4077% | 2,093 |
| Total domestic deposits to total assets | 82.7757% | 4,242 |
| Equity capital to assets | 14.8482% | 744 |
| Core capital (leverage) ratio | 14.6033% | 670 |
| Tier 1 risk-based capital ratio | 22.0192% | 1,241 |
| Total risk-based capital ratio | 23.2740% | 1,218 |
| Memoranda: | ||
| Average total assets | $422,009,500 | 1,603 |
| Average earning assets | $396,784,500 | 1,572 |
| Average equity | $62,641,000 | 1,218 |
| Average total loans | $312,470,000 | 1,429 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 2,793 |
| Cost of funding earning assets | 0.5845% | 1,908 |
| Net interest margin | 3.6619% | 3,163 |
| Noninterest income to average assets | 0.1581% | 5,912 |
| Noninterest expense to average assets | 2.6371% | 4,099 |
| Loan and lease loss provision to assets | 0.1059% | 2,387 |
| Net operating income to assets | 0.6012% | 4,361 |
| Return on assets (ROA) | 0.6012% | 4,453 |
| Pretax return on assets | 0.8424% | 4,101 |
| Return on Equity (ROE) | 4.1742% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.5405% | 4,430 |
| Net charge-offs to loans | 0.0744% | 3,423 |
| Credit loss provision to net charge-offs | 197.3684% | 1,251 |
| Earnings coverage of net charge-offs (x) | 17.6754% | 1,905 |
| Efficiency ratio | 73.5512% | 2,917 |
| Assets per employee ($millions) | 5.3235% | 1,936 |
| Cash dividends to net income (ytd only)* | 39.1389% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 2,748 |
| Loan loss allowance to noncurrent loans | 206.1404% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 3,158 |
| Noncurrent loans to loans | 0.6982% | 3,594 |
| Net loans and leases to total assets | 72.7075% | 1,802 |
| Net loans and leases to deposits | 87.9557% | 1,738 |
| Net loans and leases to core deposits | 90.1072% | 2,269 |
| Total domestic deposits to total assets | 82.6638% | 4,193 |
| Equity capital to assets | 14.8388% | 728 |
| Core capital (leverage) ratio | 14.3864% | 730 |
| Tier 1 risk-based capital ratio | 21.9351% | 1,233 |
| Total risk-based capital ratio | 23.1899% | 1,211 |
| Memoranda: | ||
| Average total assets | $424,970,800 | 1,565 |
| Average earning assets | $397,749,400 | 1,535 |
| Average equity | $61,209,400 | 1,193 |
| Average total loans | $306,569,200 | 1,400 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 2,846 |
| Cost of funding earning assets | 0.5813% | 2,007 |
| Net interest margin | 3.6572% | 3,198 |
| Noninterest income to average assets | 0.1546% | 5,989 |
| Noninterest expense to average assets | 2.6286% | 4,099 |
| Loan and lease loss provision to assets | 0.1095% | 2,218 |
| Net operating income to assets | 0.6055% | 4,419 |
| Return on assets (ROA) | 0.6055% | 4,509 |
| Pretax return on assets | 0.8361% | 4,232 |
| Return on Equity (ROE) | 4.2356% | 5,066 |
| Retained earnings to average equity (ytd only) | 4.2356% | 3,639 |
| Net charge-offs to loans | 0.0838% | 3,006 |
| Credit loss provision to net charge-offs | 182.2917% | 1,372 |
| Earnings coverage of net charge-offs (x) | 15.7398% | 2,034 |
| Efficiency ratio | 73.5423% | 2,893 |
| Assets per employee ($millions) | 5.1610% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 3,008 |
| Loan loss allowance to noncurrent loans | 205.0792% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 2,845 |
| Noncurrent loans to loans | 0.7004% | 3,857 |
| Net loans and leases to total assets | 71.3546% | 1,959 |
| Net loans and leases to deposits | 86.0810% | 1,897 |
| Net loans and leases to core deposits | 88.2410% | 2,400 |
| Total domestic deposits to total assets | 82.8923% | 4,184 |
| Equity capital to assets | 14.7341% | 796 |
| Core capital (leverage) ratio | 14.1398% | 807 |
| Tier 1 risk-based capital ratio | 21.7696% | 1,297 |
| Total risk-based capital ratio | 23.0240% | 1,277 |
| Memoranda: | ||
| Average total assets | $426,073,750 | 1,571 |
| Average earning assets | $398,399,000 | 1,548 |
| Average equity | $60,910,250 | 1,203 |
| Average total loans | $305,650,750 | 1,412 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,884 |
| Cost of funding earning assets | 0.5738% | 2,128 |
| Net interest margin | 3.6450% | 3,168 |
| Noninterest income to average assets | 0.1368% | 6,139 |
| Noninterest expense to average assets | 2.6307% | 4,131 |
| Loan and lease loss provision to assets | 0.1171% | 2,084 |
| Net operating income to assets | 0.5817% | 4,443 |
| Return on assets (ROA) | 0.5817% | 4,546 |
| Pretax return on assets | 0.7953% | 4,291 |
| Return on Equity (ROE) | 4.1106% | 5,096 |
| Retained earnings to average equity (ytd only) | 4.1106% | 3,558 |
| Net charge-offs to loans | 0.0183% | 3,853 |
| Credit loss provision to net charge-offs | 892.8571% | 367 |
| Earnings coverage of net charge-offs (x) | 69.5714% | 735 |
| Efficiency ratio | 74.2498% | 2,931 |
| Assets per employee ($millions) | 5.1228% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 3,088 |
| Loan loss allowance to noncurrent loans | 151.7675% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.2672% | 2,578 |
| Noncurrent loans to loans | 0.9592% | 3,323 |
| Net loans and leases to total assets | 71.0874% | 1,908 |
| Net loans and leases to deposits | 85.2939% | 1,890 |
| Net loans and leases to core deposits | 87.0869% | 2,413 |
| Total domestic deposits to total assets | 83.3441% | 4,175 |
| Equity capital to assets | 14.4592% | 829 |
| Core capital (leverage) ratio | 13.9504% | 848 |
| Tier 1 risk-based capital ratio | 21.4412% | 1,357 |
| Total risk-based capital ratio | 22.6958% | 1,332 |
| Memoranda: | ||
| Average total assets | $427,031,000 | 1,566 |
| Average earning assets | $399,067,330 | 1,537 |
| Average equity | $60,428,670 | 1,203 |
| Average total loans | $305,409,330 | 1,411 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 2,863 |
| Cost of funding earning assets | 0.5625% | 2,319 |
| Net interest margin | 3.6411% | 3,093 |
| Noninterest income to average assets | 0.1776% | 5,903 |
| Noninterest expense to average assets | 2.7611% | 3,710 |
| Loan and lease loss provision to assets | 0.1402% | 1,733 |
| Net operating income to assets | 0.5094% | 4,640 |
| Return on assets (ROA) | 0.5094% | 4,717 |
| Pretax return on assets | 0.6767% | 4,565 |
| Return on Equity (ROE) | 3.6392% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.6392% | 3,949 |
| Net charge-offs to loans | 0.0368% | 2,871 |
| Credit loss provision to net charge-offs | 535.7143% | 510 |
| Earnings coverage of net charge-offs (x) | 31.2143% | 1,022 |
| Efficiency ratio | 77.1682% | 2,620 |
| Assets per employee ($millions) | 5.1249% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 3,487 |
| Loan loss allowance to noncurrent loans | 165.0284% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 1.3452% | 2,629 |
| Noncurrent loans to loans | 0.8633% | 3,736 |
| Net loans and leases to total assets | 70.1579% | 1,862 |
| Net loans and leases to deposits | 83.8740% | 1,835 |
| Net loans and leases to core deposits | 85.7024% | 2,354 |
| Total domestic deposits to total assets | 83.6467% | 4,403 |
| Equity capital to assets | 14.0392% | 906 |
| Core capital (leverage) ratio | 13.7497% | 909 |
| Tier 1 risk-based capital ratio | 21.0985% | 1,454 |
| Total risk-based capital ratio | 22.3528% | 1,436 |
| Memoranda: | ||
| Average total assets | $427,952,000 | 1,570 |
| Average earning assets | $399,655,000 | 1,538 |
| Average equity | $59,903,500 | 1,215 |
| Average total loans | $304,753,500 | 1,421 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 4,128 |
| Cost of funding earning assets | 0.6141% | 2,532 |
| Net interest margin | 3.3736% | 4,392 |
| Noninterest income to average assets | 0.1482% | 6,203 |
| Noninterest expense to average assets | 2.6188% | 4,393 |
| Loan and lease loss provision to assets | 0.2024% | 1,840 |
| Net operating income to assets | 0.3551% | 5,317 |
| Return on assets (ROA) | 0.3551% | 5,430 |
| Pretax return on assets | 0.4873% | 5,236 |
| Return on Equity (ROE) | 2.6322% | 5,638 |
| Retained earnings to average equity (ytd only) | -4.8693% | 6,359 |
| Net charge-offs to loans | 0.5445% | 1,218 |
| Credit loss provision to net charge-offs | 57.1066% | 3,648 |
| Earnings coverage of net charge-offs (x) | 1.9461% | 4,401 |
| Efficiency ratio | 79.1531% | 2,296 |
| Assets per employee ($millions) | 4.7799% | 2,473 |
| Cash dividends to net income (ytd only)* | 284.9905% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 3,661 |
| Loan loss allowance to noncurrent loans | 166.7191% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3483% | 2,731 |
| Noncurrent loans to loans | 0.8396% | 3,881 |
| Net loans and leases to total assets | 70.2554% | 1,973 |
| Net loans and leases to deposits | 84.1651% | 1,914 |
| Net loans and leases to core deposits | 85.5886% | 2,495 |
| Total domestic deposits to total assets | 83.4733% | 4,373 |
| Equity capital to assets | 13.9558% | 912 |
| Core capital (leverage) ratio | 13.2507% | 1,037 |
| Tier 1 risk-based capital ratio | 20.8678% | 1,448 |
| Total risk-based capital ratio | 22.1215% | 1,431 |
| Memoranda: | ||
| Average total assets | $444,662,800 | 1,490 |
| Average earning assets | $416,552,600 | 1,462 |
| Average equity | $59,987,600 | 1,198 |
| Average total loans | $289,446,000 | 1,468 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 4,378 |
| Cost of funding earning assets | 0.6232% | 2,621 |
| Net interest margin | 3.3088% | 4,604 |
| Noninterest income to average assets | 0.1335% | 6,355 |
| Noninterest expense to average assets | 2.5944% | 4,408 |
| Loan and lease loss provision to assets | 0.1335% | 2,613 |
| Net operating income to assets | 0.4114% | 5,205 |
| Return on assets (ROA) | 0.4114% | 5,341 |
| Pretax return on assets | 0.5081% | 5,334 |
| Return on Equity (ROE) | 3.0749% | 5,580 |
| Retained earnings to average equity (ytd only) | -3.5759% | 6,402 |
| Net charge-offs to loans | 0.4032% | 1,589 |
| Credit loss provision to net charge-offs | 52.0231% | 3,458 |
| Earnings coverage of net charge-offs (x) | 2.5006% | 4,001 |
| Efficiency ratio | 80.1723% | 2,068 |
| Assets per employee ($millions) | 5.0046% | 2,161 |
| Cash dividends to net income (ytd only)* | 216.2938% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 3,248 |
| Loan loss allowance to noncurrent loans | 148.9911% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.3886% | 2,879 |
| Noncurrent loans to loans | 1.0375% | 3,725 |
| Net loans and leases to total assets | 65.8880% | 2,663 |
| Net loans and leases to deposits | 82.1027% | 2,125 |
| Net loans and leases to core deposits | 83.1485% | 2,749 |
| Total domestic deposits to total assets | 80.2508% | 5,445 |
| Equity capital to assets | 13.8196% | 1,013 |
| Core capital (leverage) ratio | 13.1211% | 1,155 |
| Tier 1 risk-based capital ratio | 22.0557% | 1,311 |
| Total risk-based capital ratio | 23.3118% | 1,295 |
| Memoranda: | ||
| Average total assets | $449,474,750 | 1,484 |
| Average earning assets | $421,453,500 | 1,456 |
| Average equity | $60,142,000 | 1,208 |
| Average total loans | $286,027,500 | 1,488 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 4,590 |
| Cost of funding earning assets | 0.6284% | 2,698 |
| Net interest margin | 3.2413% | 4,801 |
| Noninterest income to average assets | 0.1193% | 6,455 |
| Noninterest expense to average assets | 2.5797% | 4,456 |
| Loan and lease loss provision to assets | 0.1321% | 2,665 |
| Net operating income to assets | 0.3761% | 5,303 |
| Return on assets (ROA) | 0.3761% | 5,473 |
| Pretax return on assets | 0.4492% | 5,522 |
| Return on Equity (ROE) | 2.8404% | 5,684 |
| Retained earnings to average equity (ytd only) | -7.1376% | 6,577 |
| Net charge-offs to loans | 0.5889% | 1,122 |
| Credit loss provision to net charge-offs | 35.8423% | 3,491 |
| Earnings coverage of net charge-offs (x) | 1.5771% | 4,001 |
| Efficiency ratio | 81.6105% | 1,942 |
| Assets per employee ($millions) | 4.7937% | 2,388 |
| Cash dividends to net income (ytd only)* | 351.2881% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 3,465 |
| Loan loss allowance to noncurrent loans | 76.1822% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.8292% | 2,370 |
| Noncurrent loans to loans | 2.0009% | 2,403 |
| Net loans and leases to total assets | 63.4981% | 3,007 |
| Net loans and leases to deposits | 78.8976% | 2,469 |
| Net loans and leases to core deposits | 79.8730% | 3,039 |
| Total domestic deposits to total assets | 80.4817% | 5,483 |
| Equity capital to assets | 13.3512% | 1,201 |
| Core capital (leverage) ratio | 12.7289% | 1,275 |
| Tier 1 risk-based capital ratio | 21.9078% | 1,300 |
| Total risk-based capital ratio | 23.1633% | 1,275 |
| Memoranda: | ||
| Average total assets | $454,165,000 | 1,470 |
| Average earning assets | $426,184,670 | 1,433 |
| Average equity | $60,132,330 | 1,211 |
| Average total loans | $284,242,330 | 1,496 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 4,654 |
| Cost of funding earning assets | 0.6434% | 2,715 |
| Net interest margin | 3.2048% | 4,922 |
| Noninterest income to average assets | 0.0733% | 6,663 |
| Noninterest expense to average assets | 2.5152% | 4,701 |
| Loan and lease loss provision to assets | 0.1309% | 2,605 |
| Net operating income to assets | 0.3683% | 5,270 |
| Return on assets (ROA) | 0.3683% | 5,402 |
| Pretax return on assets | 0.4355% | 5,452 |
| Return on Equity (ROE) | 2.7930% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.7930% | 4,610 |
| Net charge-offs to loans | 0.7501% | 811 |
| Credit loss provision to net charge-offs | 28.3019% | 2,912 |
| Earnings coverage of net charge-offs (x) | 1.2245% | 3,418 |
| Efficiency ratio | 81.6199% | 2,098 |
| Assets per employee ($millions) | 4.9095% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 3,343 |
| Loan loss allowance to noncurrent loans | 82.3924% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.6442% | 2,805 |
| Noncurrent loans to loans | 1.9573% | 2,666 |
| Net loans and leases to total assets | 60.6518% | 3,322 |
| Net loans and leases to deposits | 75.1360% | 2,754 |
| Net loans and leases to core deposits | 76.1999% | 3,294 |
| Total domestic deposits to total assets | 80.7226% | 5,566 |
| Equity capital to assets | 12.9727% | 1,440 |
| Core capital (leverage) ratio | 12.4238% | 1,372 |
| Tier 1 risk-based capital ratio | 22.5878% | 1,224 |
| Total risk-based capital ratio | 23.8452% | 1,204 |
| Memoranda: | ||
| Average total assets | $458,338,500 | 1,467 |
| Average earning assets | $430,223,000 | 1,430 |
| Average equity | $60,437,500 | 1,217 |
| Average total loans | $282,629,500 | 1,502 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 5,388 |
| Cost of funding earning assets | 0.7565% | 3,043 |
| Net interest margin | 3.2173% | 5,527 |
| Noninterest income to average assets | 0.1765% | 6,137 |
| Noninterest expense to average assets | 2.4460% | 5,269 |
| Loan and lease loss provision to assets | 0.2180% | 2,955 |
| Net operating income to assets | 0.4276% | 4,975 |
| Return on assets (ROA) | 0.4276% | 5,226 |
| Pretax return on assets | 0.5095% | 5,255 |
| Return on Equity (ROE) | 3.2994% | 5,427 |
| Retained earnings to average equity (ytd only) | 3.2994% | 3,904 |
| Net charge-offs to loans | 0.0369% | 5,406 |
| Credit loss provision to net charge-offs | 976.1905% | 260 |
| Earnings coverage of net charge-offs (x) | 32.5810% | 951 |
| Efficiency ratio | 77.0772% | 2,582 |
| Assets per employee ($millions) | 4.7927% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 2,806 |
| Loan loss allowance to noncurrent loans | 87.8079% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.6723% | 2,889 |
| Noncurrent loans to loans | 1.9740% | 2,722 |
| Net loans and leases to total assets | 60.6127% | 3,492 |
| Net loans and leases to deposits | 75.1610% | 2,927 |
| Net loans and leases to core deposits | 76.2350% | 3,497 |
| Total domestic deposits to total assets | 80.6438% | 5,499 |
| Equity capital to assets | 13.3981% | 1,272 |
| Core capital (leverage) ratio | 12.7571% | 1,217 |
| Tier 1 risk-based capital ratio | 23.4278% | 1,049 |
| Total risk-based capital ratio | 24.6867% | 1,024 |
| Memoranda: | ||
| Average total assets | $470,272,800 | 1,405 |
| Average earning assets | $438,069,800 | 1,375 |
| Average equity | $60,950,400 | 1,172 |
| Average total loans | $284,562,400 | 1,469 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 5,507 |
| Cost of funding earning assets | 0.7786% | 3,128 |
| Net interest margin | 3.2255% | 5,635 |
| Noninterest income to average assets | 0.2631% | 5,680 |
| Noninterest expense to average assets | 2.4519% | 5,235 |
| Loan and lease loss provision to assets | 0.2749% | 2,379 |
| Net operating income to assets | 0.4399% | 5,079 |
| Return on assets (ROA) | 0.4399% | 5,318 |
| Pretax return on assets | 0.5349% | 5,362 |
| Return on Equity (ROE) | 3.4223% | 5,521 |
| Retained earnings to average equity (ytd only) | 3.4223% | 4,455 |
| Net charge-offs to loans | 0.2439% | 3,258 |
| Credit loss provision to net charge-offs | 187.1401% | 1,478 |
| Earnings coverage of net charge-offs (x) | 5.5125% | 3,002 |
| Efficiency ratio | 75.1707% | 2,795 |
| Assets per employee ($millions) | 4.8833% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 3,576 |
| Loan loss allowance to noncurrent loans | 61.7872% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 2.6516% | 1,990 |
| Noncurrent loans to loans | 2.5671% | 2,226 |
| Net loans and leases to total assets | 59.5571% | 3,867 |
| Net loans and leases to deposits | 73.9843% | 3,286 |
| Net loans and leases to core deposits | 75.0825% | 3,839 |
| Total domestic deposits to total assets | 80.4996% | 5,512 |
| Equity capital to assets | 13.1930% | 1,501 |
| Core capital (leverage) ratio | 12.4993% | 1,408 |
| Tier 1 risk-based capital ratio | 22.5237% | 1,247 |
| Total risk-based capital ratio | 23.7796% | 1,222 |
| Memoranda: | ||
| Average total assets | $472,817,250 | 1,413 |
| Average earning assets | $439,575,750 | 1,391 |
| Average equity | $60,777,000 | 1,182 |
| Average total loans | $284,754,250 | 1,479 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 5,712 |
| Cost of funding earning assets | 0.7983% | 3,202 |
| Net interest margin | 3.1806% | 5,798 |
| Noninterest income to average assets | 0.2589% | 5,719 |
| Noninterest expense to average assets | 2.4292% | 5,358 |
| Loan and lease loss provision to assets | 0.3153% | 2,091 |
| Net operating income to assets | 0.3935% | 5,230 |
| Return on assets (ROA) | 0.3935% | 5,474 |
| Pretax return on assets | 0.4704% | 5,516 |
| Return on Equity (ROE) | 3.0873% | 5,661 |
| Retained earnings to average equity (ytd only) | 3.0873% | 4,585 |
| Net charge-offs to loans | 0.3146% | 2,771 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 4.1533% | 3,163 |
| Efficiency ratio | 75.5622% | 2,816 |
| Assets per employee ($millions) | 5.3356% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 4,040 |
| Loan loss allowance to noncurrent loans | 48.2221% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 3.2093% | 1,698 |
| Noncurrent loans to loans | 3.0959% | 1,903 |
| Net loans and leases to total assets | 59.0709% | 3,985 |
| Net loans and leases to deposits | 73.0189% | 3,459 |
| Net loans and leases to core deposits | 74.1756% | 4,007 |
| Total domestic deposits to total assets | 80.8981% | 5,500 |
| Equity capital to assets | 12.5842% | 1,761 |
| Core capital (leverage) ratio | 12.3321% | 1,428 |
| Tier 1 risk-based capital ratio | 21.4362% | 1,400 |
| Total risk-based capital ratio | 22.6900% | 1,372 |
| Memoranda: | ||
| Average total assets | $475,785,330 | 1,408 |
| Average earning assets | $442,182,000 | 1,390 |
| Average equity | $60,634,670 | 1,179 |
| Average total loans | $286,090,330 | 1,477 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 5,599 |
| Cost of funding earning assets | 0.8126% | 3,367 |
| Net interest margin | 3.2388% | 5,670 |
| Noninterest income to average assets | 0.1622% | 6,412 |
| Noninterest expense to average assets | 2.4663% | 5,265 |
| Loan and lease loss provision to assets | 0.1900% | 3,055 |
| Net operating income to assets | 0.4299% | 5,123 |
| Return on assets (ROA) | 0.4299% | 5,311 |
| Pretax return on assets | 0.5254% | 5,349 |
| Return on Equity (ROE) | 3.3522% | 5,570 |
| Retained earnings to average equity (ytd only) | 3.3522% | 4,557 |
| Net charge-offs to loans | 0.6046% | 1,582 |
| Credit loss provision to net charge-offs | 52.2042% | 3,244 |
| Earnings coverage of net charge-offs (x) | 1.9652% | 3,357 |
| Efficiency ratio | 77.5153% | 2,566 |
| Assets per employee ($millions) | 5.2261% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,803 |
| Loan loss allowance to noncurrent loans | 40.4975% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 3.3825% | 1,703 |
| Noncurrent loans to loans | 3.3329% | 1,910 |
| Net loans and leases to total assets | 57.6581% | 4,101 |
| Net loans and leases to deposits | 70.7887% | 3,614 |
| Net loans and leases to core deposits | 71.8773% | 4,171 |
| Total domestic deposits to total assets | 81.4510% | 5,481 |
| Equity capital to assets | 12.6509% | 1,625 |
| Core capital (leverage) ratio | 12.5720% | 1,307 |
| Tier 1 risk-based capital ratio | 22.3202% | 1,237 |
| Total risk-based capital ratio | 23.5726% | 1,214 |
| Memoranda: | ||
| Average total assets | $473,576,000 | 1,415 |
| Average earning assets | $441,522,500 | 1,392 |
| Average equity | $60,737,000 | 1,171 |
| Average total loans | $285,155,500 | 1,490 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 5,547 |
| Cost of funding earning assets | 0.9789% | 3,516 |
| Net interest margin | 3.3884% | 5,519 |
| Noninterest income to average assets | 0.1640% | 6,318 |
| Noninterest expense to average assets | 2.3667% | 5,857 |
| Loan and lease loss provision to assets | 0.7031% | 1,454 |
| Net operating income to assets | 0.2458% | 5,436 |
| Return on assets (ROA) | 0.2486% | 5,572 |
| Pretax return on assets | 0.2315% | 5,711 |
| Return on Equity (ROE) | 1.9458% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.9458% | 4,822 |
| Net charge-offs to loans | 1.4919% | 1,074 |
| Credit loss provision to net charge-offs | 74.8848% | 4,677 |
| Earnings coverage of net charge-offs (x) | 0.9924% | 5,052 |
| Efficiency ratio | 71.7518% | 3,623 |
| Assets per employee ($millions) | 5.0690% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 4,547 |
| Loan loss allowance to noncurrent loans | 27.6977% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 3.6507% | 1,609 |
| Noncurrent loans to loans | 4.9907% | 1,129 |
| Net loans and leases to total assets | 61.1767% | 3,747 |
| Net loans and leases to deposits | 75.8670% | 3,192 |
| Net loans and leases to core deposits | 76.9113% | 3,839 |
| Total domestic deposits to total assets | 80.6368% | 5,554 |
| Equity capital to assets | 13.0049% | 1,479 |
| Core capital (leverage) ratio | 12.8491% | 1,201 |
| Tier 1 risk-based capital ratio | 21.8485% | 1,255 |
| Total risk-based capital ratio | 23.1015% | 1,227 |
| Memoranda: | ||
| Average total assets | $462,246,600 | 1,421 |
| Average earning assets | $427,607,800 | 1,414 |
| Average equity | $59,050,000 | 1,148 |
| Average total loans | $290,909,600 | 1,468 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 5,427 |
| Cost of funding earning assets | 1.0248% | 3,508 |
| Net interest margin | 3.4261% | 5,484 |
| Noninterest income to average assets | 0.1668% | 6,397 |
| Noninterest expense to average assets | 2.3618% | 5,876 |
| Loan and lease loss provision to assets | 0.8745% | 1,038 |
| Net operating income to assets | 0.1561% | 5,814 |
| Return on assets (ROA) | 0.1599% | 5,924 |
| Pretax return on assets | 0.0945% | 6,108 |
| Return on Equity (ROE) | 1.2571% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.2571% | 5,509 |
| Net charge-offs to loans | 1.8600% | 710 |
| Credit loss provision to net charge-offs | 74.4341% | 4,345 |
| Earnings coverage of net charge-offs (x) | 0.8216% | 4,999 |
| Efficiency ratio | 70.9879% | 3,739 |
| Assets per employee ($millions) | 5.2533% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,565 |
| Loan loss allowance to noncurrent loans | 31.5941% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 3.2207% | 1,973 |
| Noncurrent loans to loans | 4.4288% | 1,459 |
| Net loans and leases to total assets | 62.4593% | 3,618 |
| Net loans and leases to deposits | 77.5012% | 3,085 |
| Net loans and leases to core deposits | 78.5976% | 3,815 |
| Total domestic deposits to total assets | 80.5914% | 5,572 |
| Equity capital to assets | 13.4257% | 1,400 |
| Core capital (leverage) ratio | 13.0281% | 1,222 |
| Tier 1 risk-based capital ratio | 20.9884% | 1,458 |
| Total risk-based capital ratio | 22.2404% | 1,436 |
| Memoranda: | ||
| Average total assets | $461,221,000 | 1,437 |
| Average earning assets | $425,434,750 | 1,431 |
| Average equity | $58,650,500 | 1,152 |
| Average total loans | $291,313,000 | 1,476 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 5,502 |
| Cost of funding earning assets | 1.0518% | 3,589 |
| Net interest margin | 3.4047% | 5,541 |
| Noninterest income to average assets | 0.1626% | 6,492 |
| Noninterest expense to average assets | 2.3129% | 6,087 |
| Loan and lease loss provision to assets | 0.2594% | 3,327 |
| Net operating income to assets | 0.5767% | 4,171 |
| Return on assets (ROA) | 0.5767% | 4,297 |
| Pretax return on assets | 0.7263% | 4,292 |
| Return on Equity (ROE) | 4.6202% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.6202% | 3,243 |
| Net charge-offs to loans | 0.2693% | 3,537 |
| Credit loss provision to net charge-offs | 152.6718% | 1,997 |
| Earnings coverage of net charge-offs (x) | 5.8015% | 2,523 |
| Efficiency ratio | 70.1180% | 4,096 |
| Assets per employee ($millions) | 5.2745% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,942 |
| Loan loss allowance to noncurrent loans | 33.9399% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 4.0936% | 1,566 |
| Noncurrent loans to loans | 5.3437% | 1,197 |
| Net loans and leases to total assets | 61.7823% | 3,930 |
| Net loans and leases to deposits | 76.8496% | 3,314 |
| Net loans and leases to core deposits | 77.8368% | 4,071 |
| Total domestic deposits to total assets | 80.3938% | 5,715 |
| Equity capital to assets | 13.5807% | 1,254 |
| Core capital (leverage) ratio | 13.6563% | 951 |
| Tier 1 risk-based capital ratio | 21.4168% | 1,339 |
| Total risk-based capital ratio | 22.6735% | 1,317 |
| Memoranda: | ||
| Average total assets | $462,614,670 | 1,444 |
| Average earning assets | $426,115,670 | 1,434 |
| Average equity | $57,747,000 | 1,160 |
| Average total loans | $291,912,330 | 1,487 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 5,357 |
| Cost of funding earning assets | 1.0963% | 3,550 |
| Net interest margin | 3.3983% | 5,432 |
| Noninterest income to average assets | 0.1646% | 6,552 |
| Noninterest expense to average assets | 2.3177% | 6,144 |
| Loan and lease loss provision to assets | 0.1949% | 3,678 |
| Net operating income to assets | 0.6097% | 3,984 |
| Return on assets (ROA) | 0.6097% | 4,050 |
| Pretax return on assets | 0.7769% | 3,981 |
| Return on Equity (ROE) | 5.1105% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.1105% | 3,113 |
| Net charge-offs to loans | 0.0480% | 4,462 |
| Credit loss provision to net charge-offs | 642.8571% | 584 |
| Earnings coverage of net charge-offs (x) | 32.0571% | 799 |
| Efficiency ratio | 70.4581% | 4,172 |
| Assets per employee ($millions) | 5.5858% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8050% | 2,996 |
| Loan loss allowance to noncurrent loans | 31.6490% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 4.2024% | 1,568 |
| Noncurrent loans to loans | 5.7031% | 1,137 |
| Net loans and leases to total assets | 61.2192% | 4,031 |
| Net loans and leases to deposits | 75.9797% | 3,422 |
| Net loans and leases to core deposits | 77.0617% | 4,156 |
| Total domestic deposits to total assets | 80.5730% | 5,795 |
| Equity capital to assets | 13.3548% | 1,239 |
| Core capital (leverage) ratio | 13.5432% | 955 |
| Tier 1 risk-based capital ratio | 21.1670% | 1,364 |
| Total risk-based capital ratio | 22.4233% | 1,336 |
| Memoranda: | ||
| Average total assets | $461,842,500 | 1,458 |
| Average earning assets | $424,688,500 | 1,446 |
| Average equity | $55,102,500 | 1,200 |
| Average total loans | $291,836,000 | 1,507 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 5,709 |
| Cost of funding earning assets | 1.5486% | 2,359 |
| Net interest margin | 3.1772% | 6,323 |
| Noninterest income to average assets | 0.2038% | 6,327 |
| Noninterest expense to average assets | 2.4536% | 5,934 |
| Loan and lease loss provision to assets | 0.4660% | 3,337 |
| Net operating income to assets | 0.2376% | 5,147 |
| Return on assets (ROA) | 0.2376% | 5,302 |
| Pretax return on assets | 0.2095% | 5,467 |
| Return on Equity (ROE) | 2.3085% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.3085% | 4,262 |
| Net charge-offs to loans | 0.1965% | 5,118 |
| Credit loss provision to net charge-offs | 372.5835% | 680 |
| Earnings coverage of net charge-offs (x) | 5.4007% | 2,631 |
| Efficiency ratio | 78.4139% | 2,634 |
| Assets per employee ($millions) | 5.1645% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 3,038 |
| Loan loss allowance to noncurrent loans | 31.2400% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 4.1729% | 1,607 |
| Noncurrent loans to loans | 5.5951% | 1,168 |
| Net loans and leases to total assets | 62.9422% | 4,084 |
| Net loans and leases to deposits | 74.3788% | 4,133 |
| Net loans and leases to core deposits | 75.6232% | 4,769 |
| Total domestic deposits to total assets | 84.6238% | 4,045 |
| Equity capital to assets | 10.4611% | 3,197 |
| Core capital (leverage) ratio | 10.8279% | 2,291 |
| Tier 1 risk-based capital ratio | 16.1288% | 2,683 |
| Total risk-based capital ratio | 17.3845% | 2,643 |
| Memoranda: | ||
| Average total assets | $454,961,800 | 1,462 |
| Average earning assets | $418,896,000 | 1,445 |
| Average equity | $46,827,200 | 1,429 |
| Average total loans | $289,502,200 | 1,547 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 5,740 |
| Cost of funding earning assets | 1.6501% | 2,104 |
| Net interest margin | 3.1290% | 6,541 |
| Noninterest income to average assets | 0.2066% | 6,426 |
| Noninterest expense to average assets | 2.4686% | 5,823 |
| Loan and lease loss provision to assets | 0.5625% | 2,694 |
| Net operating income to assets | 0.1380% | 5,669 |
| Return on assets (ROA) | 0.1380% | 5,831 |
| Pretax return on assets | 0.0621% | 5,983 |
| Return on Equity (ROE) | 1.3462% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.3462% | 5,270 |
| Net charge-offs to loans | 0.2689% | 4,333 |
| Credit loss provision to net charge-offs | 329.3310% | 967 |
| Earnings coverage of net charge-offs (x) | 3.6570% | 3,349 |
| Efficiency ratio | 79.8068% | 2,364 |
| Assets per employee ($millions) | 5.1277% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 3,217 |
| Loan loss allowance to noncurrent loans | 36.1781% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 3.8079% | 1,866 |
| Noncurrent loans to loans | 4.6434% | 1,536 |
| Net loans and leases to total assets | 65.4629% | 3,808 |
| Net loans and leases to deposits | 76.3203% | 4,124 |
| Net loans and leases to core deposits | 77.3237% | 4,883 |
| Total domestic deposits to total assets | 85.7739% | 3,202 |
| Equity capital to assets | 10.7701% | 3,201 |
| Core capital (leverage) ratio | 10.6968% | 2,515 |
| Tier 1 risk-based capital ratio | 16.0888% | 2,720 |
| Total risk-based capital ratio | 17.3439% | 2,666 |
| Memoranda: | ||
| Average total assets | $455,083,250 | 1,478 |
| Average earning assets | $419,850,500 | 1,462 |
| Average equity | $46,648,250 | 1,451 |
| Average total loans | $289,091,250 | 1,564 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 5,935 |
| Cost of funding earning assets | 1.7905% | 1,681 |
| Net interest margin | 2.9686% | 6,903 |
| Noninterest income to average assets | 0.1833% | 6,597 |
| Noninterest expense to average assets | 2.3896% | 6,090 |
| Loan and lease loss provision to assets | 0.5070% | 2,769 |
| Net operating income to assets | 0.1144% | 5,819 |
| Return on assets (ROA) | 0.1144% | 5,931 |
| Pretax return on assets | 0.0256% | 6,112 |
| Return on Equity (ROE) | 1.1343% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.1343% | 5,305 |
| Net charge-offs to loans | 0.3623% | 3,542 |
| Credit loss provision to net charge-offs | 223.7094% | 1,739 |
| Earnings coverage of net charge-offs (x) | 2.3499% | 3,822 |
| Efficiency ratio | 81.7737% | 2,201 |
| Assets per employee ($millions) | 5.0960% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 4,142 |
| Loan loss allowance to noncurrent loans | 31.8881% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 3.6011% | 1,949 |
| Noncurrent loans to loans | 4.5695% | 1,583 |
| Net loans and leases to total assets | 63.1115% | 4,442 |
| Net loans and leases to deposits | 74.2426% | 4,638 |
| Net loans and leases to core deposits | 75.3473% | 5,270 |
| Total domestic deposits to total assets | 85.0071% | 3,623 |
| Equity capital to assets | 10.4351% | 3,491 |
| Core capital (leverage) ratio | 10.0490% | 3,117 |
| Tier 1 risk-based capital ratio | 16.0634% | 2,644 |
| Total risk-based capital ratio | 17.3156% | 2,602 |
| Memoranda: | ||
| Average total assets | $461,493,330 | 1,480 |
| Average earning assets | $425,792,330 | 1,461 |
| Average equity | $46,550,330 | 1,446 |
| Average total loans | $288,722,670 | 1,588 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 6,228 |
| Cost of funding earning assets | 1.8675% | 1,579 |
| Net interest margin | 2.8365% | 7,126 |
| Noninterest income to average assets | 0.2273% | 6,328 |
| Noninterest expense to average assets | 2.3042% | 6,362 |
| Loan and lease loss provision to assets | 0.4444% | 2,743 |
| Net operating income to assets | 0.1598% | 5,824 |
| Return on assets (ROA) | 0.1598% | 5,949 |
| Pretax return on assets | 0.0957% | 6,150 |
| Return on Equity (ROE) | 1.6111% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.6111% | 5,136 |
| Net charge-offs to loans | 0.0940% | 4,476 |
| Credit loss provision to net charge-offs | 764.7059% | 591 |
| Earnings coverage of net charge-offs (x) | 9.2941% | 1,873 |
| Efficiency ratio | 81.0096% | 2,409 |
| Assets per employee ($millions) | 5.4863% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 4,552 |
| Loan loss allowance to noncurrent loans | 27.8301% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 3.6203% | 1,935 |
| Noncurrent loans to loans | 4.9367% | 1,474 |
| Net loans and leases to total assets | 60.7071% | 4,996 |
| Net loans and leases to deposits | 72.8536% | 4,936 |
| Net loans and leases to core deposits | 73.8024% | 5,516 |
| Total domestic deposits to total assets | 83.3275% | 4,462 |
| Equity capital to assets | 9.8816% | 4,020 |
| Core capital (leverage) ratio | 10.1031% | 3,038 |
| Tier 1 risk-based capital ratio | 15.5998% | 2,830 |
| Total risk-based capital ratio | 16.8506% | 2,774 |
| Memoranda: | ||
| Average total assets | $468,017,000 | 1,498 |
| Average earning assets | $431,803,500 | 1,478 |
| Average equity | $46,427,500 | 1,453 |
| Average total loans | $289,481,000 | 1,622 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 5,770 |
| Cost of funding earning assets | 2.3469% | 1,469 |
| Net interest margin | 2.8273% | 7,012 |
| Noninterest income to average assets | 0.2640% | 6,228 |
| Noninterest expense to average assets | 2.4593% | 6,272 |
| Loan and lease loss provision to assets | 0.1198% | 6,444 |
| Net operating income to assets | 0.3083% | 4,502 |
| Return on assets (ROA) | 0.3083% | 4,589 |
| Pretax return on assets | 0.2990% | 4,762 |
| Return on Equity (ROE) | 3.0006% | 4,497 |
| Retained earnings to average equity (ytd only) | 3.0006% | 3,064 |
| Net charge-offs to loans | 0.0559% | 6,544 |
| Credit loss provision to net charge-offs | 332.0755% | 983 |
| Earnings coverage of net charge-offs (x) | 11.6101% | 1,579 |
| Efficiency ratio | 85.4508% | 2,176 |
| Assets per employee ($millions) | 5.2159% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 5,204 |
| Loan loss allowance to noncurrent loans | 45.1448% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.3276% | 2,970 |
| Noncurrent loans to loans | 2.7160% | 2,846 |
| Net loans and leases to total assets | 61.3953% | 5,123 |
| Net loans and leases to deposits | 75.0176% | 4,869 |
| Net loans and leases to core deposits | 88.2637% | 5,301 |
| Total domestic deposits to total assets | 81.8412% | 5,016 |
| Equity capital to assets | 9.9592% | 3,813 |
| Core capital (leverage) ratio | 10.1689% | 2,925 |
| Tier 1 risk-based capital ratio | 15.9670% | 2,541 |
| Total risk-based capital ratio | 17.1733% | 2,484 |
| Memoranda: | ||
| Average total assets | $440,864,600 | 1,579 |
| Average earning assets | $407,601,800 | 1,552 |
| Average equity | $45,291,400 | 1,483 |
| Average total loans | $284,671,600 | 1,687 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 5,616 |
| Cost of funding earning assets | 2.4267% | 1,535 |
| Net interest margin | 2.8363% | 6,995 |
| Noninterest income to average assets | 0.2755% | 6,263 |
| Noninterest expense to average assets | 2.4969% | 6,076 |
| Loan and lease loss provision to assets | 0.0690% | 6,675 |
| Net operating income to assets | 0.3319% | 4,671 |
| Return on assets (ROA) | 0.3319% | 4,776 |
| Pretax return on assets | 0.3307% | 4,982 |
| Return on Equity (ROE) | 3.2048% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.2048% | 3,520 |
| Net charge-offs to loans | 0.0747% | 5,944 |
| Credit loss provision to net charge-offs | 141.5094% | 3,471 |
| Earnings coverage of net charge-offs (x) | 8.2014% | 2,289 |
| Efficiency ratio | 86.2025% | 2,040 |
| Assets per employee ($millions) | 5.2507% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 5,477 |
| Loan loss allowance to noncurrent loans | 41.3049% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 2.3700% | 2,902 |
| Noncurrent loans to loans | 2.7596% | 2,752 |
| Net loans and leases to total assets | 62.1331% | 5,220 |
| Net loans and leases to deposits | 76.5286% | 4,956 |
| Net loans and leases to core deposits | 89.5163% | 5,482 |
| Total domestic deposits to total assets | 81.1893% | 5,002 |
| Equity capital to assets | 10.1208% | 3,938 |
| Core capital (leverage) ratio | 10.4267% | 2,851 |
| Tier 1 risk-based capital ratio | 16.2262% | 2,548 |
| Total risk-based capital ratio | 17.3547% | 2,525 |
| Memoranda: | ||
| Average total assets | $435,026,750 | 1,603 |
| Average earning assets | $402,021,250 | 1,594 |
| Average equity | $45,056,250 | 1,512 |
| Average total loans | $283,703,250 | 1,714 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 5,458 |
| Cost of funding earning assets | 2.5244% | 1,531 |
| Net interest margin | 2.8139% | 6,986 |
| Noninterest income to average assets | 0.2747% | 6,301 |
| Noninterest expense to average assets | 2.5443% | 5,971 |
| Loan and lease loss provision to assets | 0.0698% | 6,502 |
| Net operating income to assets | 0.2906% | 4,936 |
| Return on assets (ROA) | 0.2906% | 5,045 |
| Pretax return on assets | 0.2631% | 5,290 |
| Return on Equity (ROE) | 2.7832% | 4,984 |
| Retained earnings to average equity (ytd only) | 2.7832% | 3,778 |
| Net charge-offs to loans | 0.0430% | 5,862 |
| Credit loss provision to net charge-offs | 245.9016% | 1,890 |
| Earnings coverage of net charge-offs (x) | 11.7213% | 1,877 |
| Efficiency ratio | 88.4285% | 1,956 |
| Assets per employee ($millions) | 5.1950% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,290 |
| Loan loss allowance to noncurrent loans | 35.7198% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 2.5714% | 2,508 |
| Noncurrent loans to loans | 3.2094% | 2,221 |
| Net loans and leases to total assets | 64.3801% | 4,903 |
| Net loans and leases to deposits | 80.9407% | 4,401 |
| Net loans and leases to core deposits | 93.0290% | 5,234 |
| Total domestic deposits to total assets | 79.5399% | 5,626 |
| Equity capital to assets | 10.3348% | 3,588 |
| Core capital (leverage) ratio | 10.6542% | 2,696 |
| Tier 1 risk-based capital ratio | 16.3172% | 2,514 |
| Total risk-based capital ratio | 17.4723% | 2,491 |
| Memoranda: | ||
| Average total assets | $429,514,670 | 1,648 |
| Average earning assets | $397,243,330 | 1,637 |
| Average equity | $44,841,000 | 1,525 |
| Average total loans | $283,669,330 | 1,742 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 5,260 |
| Cost of funding earning assets | 2.5847% | 1,613 |
| Net interest margin | 2.8479% | 6,882 |
| Noninterest income to average assets | 0.2713% | 6,269 |
| Noninterest expense to average assets | 2.4333% | 6,085 |
| Loan and lease loss provision to assets | 0.0704% | 6,078 |
| Net operating income to assets | 0.3858% | 4,915 |
| Return on assets (ROA) | 0.3858% | 5,097 |
| Pretax return on assets | 0.4084% | 5,372 |
| Return on Equity (ROE) | 3.6769% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.6769% | 3,859 |
| Net charge-offs to loans | 0.0085% | 5,540 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 498 |
| Efficiency ratio | 83.5590% | 2,348 |
| Assets per employee ($millions) | 5.3505% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 5,223 |
| Loan loss allowance to noncurrent loans | 35.2110% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 2.5177% | 2,280 |
| Noncurrent loans to loans | 3.2244% | 2,004 |
| Net loans and leases to total assets | 65.8731% | 4,611 |
| Net loans and leases to deposits | 83.1769% | 4,106 |
| Net loans and leases to core deposits | 95.1816% | 5,045 |
| Total domestic deposits to total assets | 79.1964% | 5,646 |
| Equity capital to assets | 10.5142% | 3,450 |
| Core capital (leverage) ratio | 10.7869% | 2,664 |
| Tier 1 risk-based capital ratio | 16.2869% | 2,585 |
| Total risk-based capital ratio | 17.4385% | 2,560 |
| Memoranda: | ||
| Average total assets | $426,082,000 | 1,674 |
| Average earning assets | $395,097,500 | 1,655 |
| Average equity | $44,712,000 | 1,535 |
| Average total loans | $283,404,000 | 1,757 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 6,814 |
| Cost of funding earning assets | 2.9700% | 1,986 |
| Net interest margin | 2.7184% | 7,462 |
| Noninterest income to average assets | 0.3011% | 6,305 |
| Noninterest expense to average assets | 2.4069% | 6,366 |
| Loan and lease loss provision to assets | 0.1377% | 5,596 |
| Net operating income to assets | 0.3887% | 5,198 |
| Return on assets (ROA) | 0.1441% | 5,819 |
| Pretax return on assets | 0.0483% | 6,054 |
| Return on Equity (ROE) | 1.3890% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.3890% | 4,387 |
| Net charge-offs to loans | 0.0911% | 5,432 |
| Credit loss provision to net charge-offs | 236.8421% | 1,995 |
| Earnings coverage of net charge-offs (x) | 7.4049% | 3,121 |
| Efficiency ratio | 84.8241% | 1,977 |
| Assets per employee ($millions) | 4.9317% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,092 |
| Loan loss allowance to noncurrent loans | 45.2973% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 1.6495% | 2,941 |
| Noncurrent loans to loans | 2.4843% | 2,198 |
| Net loans and leases to total assets | 65.6501% | 4,923 |
| Net loans and leases to deposits | 82.9986% | 4,573 |
| Net loans and leases to core deposits | 94.2959% | 5,425 |
| Total domestic deposits to total assets | 79.0978% | 5,340 |
| Equity capital to assets | 10.4731% | 3,537 |
| Core capital (leverage) ratio | 10.6658% | 2,850 |
| Tier 1 risk-based capital ratio | 16.3319% | 2,546 |
| Total risk-based capital ratio | 17.4732% | 2,511 |
| Memoranda: | ||
| Average total assets | $424,728,800 | 1,600 |
| Average earning assets | $396,299,600 | 1,572 |
| Average equity | $44,059,600 | 1,529 |
| Average total loans | $271,051,800 | 1,764 |