Home > Highland Commercial Bank > Performance and Condition Ratios
Highland Commercial Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,417 |
| Cost of funding earning assets | 0.5519% | 1,796 |
| Net interest margin | 3.6813% | 2,793 |
| Noninterest income to average assets | 0.4083% | 4,024 |
| Noninterest expense to average assets | 2.6759% | 3,669 |
| Loan and lease loss provision to assets | 0.0628% | 2,860 |
| Net operating income to assets | 0.7094% | 3,844 |
| Return on assets (ROA) | 0.7114% | 3,962 |
| Pretax return on assets | 1.1087% | 3,135 |
| Return on Equity (ROE) | 6.4974% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.4974% | 1,947 |
| Net charge-offs to loans | 0.1068% | 1,927 |
| Credit loss provision to net charge-offs | 88.8889% | 2,215 |
| Earnings coverage of net charge-offs (x) | 16.5333% | 1,903 |
| Efficiency ratio | 69.6078% | 3,400 |
| Assets per employee ($millions) | 5.6514% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9682% | 1,034 |
| Loan loss allowance to noncurrent loans | 299.6441% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 2,551 |
| Noncurrent loans to loans | 0.6568% | 3,508 |
| Net loans and leases to total assets | 64.5284% | 3,190 |
| Net loans and leases to deposits | 76.2107% | 3,246 |
| Net loans and leases to core deposits | 80.6298% | 3,318 |
| Total domestic deposits to total assets | 84.6711% | 3,263 |
| Equity capital to assets | 10.8730% | 3,021 |
| Core capital (leverage) ratio | 10.8311% | 2,580 |
| Tier 1 risk-based capital ratio | 15.4072% | 3,160 |
| Total risk-based capital ratio | 16.6638% | 3,089 |
| Memoranda: | ||
| Average total assets | $127,360,330 | 4,013 |
| Average earning assets | $118,870,330 | 3,970 |
| Average equity | $13,944,000 | 4,052 |
| Average total loans | $84,230,330 | 3,776 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,257 |
| Cost of funding earning assets | 0.5605% | 1,750 |
| Net interest margin | 3.6944% | 2,637 |
| Noninterest income to average assets | 0.4443% | 3,672 |
| Noninterest expense to average assets | 2.7450% | 3,432 |
| Loan and lease loss provision to assets | 0.0635% | 2,660 |
| Net operating income to assets | 0.6719% | 3,940 |
| Return on assets (ROA) | 0.6759% | 4,038 |
| Pretax return on assets | 1.0726% | 3,203 |
| Return on Equity (ROE) | 6.1518% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.1518% | 2,403 |
| Net charge-offs to loans | 0.2202% | 1,064 |
| Credit loss provision to net charge-offs | 43.4783% | 2,159 |
| Earnings coverage of net charge-offs (x) | 7.7391% | 2,139 |
| Efficiency ratio | 70.8436% | 3,346 |
| Assets per employee ($millions) | 5.6360% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9945% | 1,091 |
| Loan loss allowance to noncurrent loans | 429.7158% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 1.2783% | 2,082 |
| Noncurrent loans to loans | 0.4641% | 4,187 |
| Net loans and leases to total assets | 63.0404% | 3,229 |
| Net loans and leases to deposits | 74.3344% | 3,261 |
| Net loans and leases to core deposits | 79.5603% | 3,220 |
| Total domestic deposits to total assets | 84.8065% | 3,509 |
| Equity capital to assets | 10.7716% | 3,234 |
| Core capital (leverage) ratio | 10.9980% | 2,414 |
| Tier 1 risk-based capital ratio | 15.3500% | 3,227 |
| Total risk-based capital ratio | 16.6068% | 3,155 |
| Memoranda: | ||
| Average total assets | $126,049,000 | 4,062 |
| Average earning assets | $117,042,500 | 4,039 |
| Average equity | $13,849,500 | 4,094 |
| Average total loans | $83,565,500 | 3,806 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 1,673 |
| Cost of funding earning assets | 0.6107% | 1,676 |
| Net interest margin | 3.9469% | 2,061 |
| Noninterest income to average assets | 0.3429% | 4,646 |
| Noninterest expense to average assets | 2.7849% | 3,542 |
| Loan and lease loss provision to assets | 0.1266% | 2,070 |
| Net operating income to assets | 0.6950% | 3,919 |
| Return on assets (ROA) | 0.6858% | 4,083 |
| Pretax return on assets | 1.0426% | 3,336 |
| Return on Equity (ROE) | 6.4107% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.4107% | 1,704 |
| Net charge-offs to loans | 0.5978% | 665 |
| Credit loss provision to net charge-offs | 31.4402% | 3,816 |
| Earnings coverage of net charge-offs (x) | 2.9391% | 4,023 |
| Efficiency ratio | 70.1852% | 3,500 |
| Assets per employee ($millions) | 5.1029% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 1,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0533% | 2,640 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.0050% | 2,727 |
| Net loans and leases to deposits | 81.9046% | 2,486 |
| Net loans and leases to core deposits | 88.5509% | 2,441 |
| Total domestic deposits to total assets | 81.8086% | 4,489 |
| Equity capital to assets | 11.2158% | 2,680 |
| Core capital (leverage) ratio | 11.1080% | 2,307 |
| Tier 1 risk-based capital ratio | 15.0640% | 3,455 |
| Total risk-based capital ratio | 16.3210% | 3,396 |
| Memoranda: | ||
| Average total assets | $122,481,000 | 4,130 |
| Average earning assets | $112,494,600 | 4,123 |
| Average equity | $13,103,000 | 4,172 |
| Average total loans | $82,475,800 | 3,806 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 1,772 |
| Cost of funding earning assets | 0.6159% | 1,716 |
| Net interest margin | 3.9122% | 2,190 |
| Noninterest income to average assets | 0.3168% | 4,906 |
| Noninterest expense to average assets | 2.7301% | 3,710 |
| Loan and lease loss provision to assets | 0.1470% | 1,705 |
| Net operating income to assets | 0.6649% | 4,128 |
| Return on assets (ROA) | 0.6510% | 4,309 |
| Pretax return on assets | 1.0134% | 3,541 |
| Return on Equity (ROE) | 6.1593% | 4,154 |
| Retained earnings to average equity (ytd only) | 6.1593% | 2,305 |
| Net charge-offs to loans | 0.7433% | 459 |
| Credit loss provision to net charge-offs | 29.4760% | 3,460 |
| Earnings coverage of net charge-offs (x) | 2.3712% | 3,933 |
| Efficiency ratio | 69.7830% | 3,547 |
| Assets per employee ($millions) | 4.7626% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0933% | 1,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6642% | 955 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 64.3627% | 3,130 |
| Net loans and leases to deposits | 76.3364% | 3,144 |
| Net loans and leases to core deposits | 82.2597% | 3,079 |
| Total domestic deposits to total assets | 84.3145% | 3,637 |
| Equity capital to assets | 10.7948% | 3,188 |
| Core capital (leverage) ratio | 10.9385% | 2,546 |
| Tier 1 risk-based capital ratio | 15.0489% | 3,558 |
| Total risk-based capital ratio | 16.3071% | 3,489 |
| Memoranda: | ||
| Average total assets | $122,483,750 | 4,171 |
| Average earning assets | $112,567,500 | 4,156 |
| Average equity | $12,944,750 | 4,228 |
| Average total loans | $82,157,250 | 3,840 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,628 |
| Cost of funding earning assets | 0.6190% | 1,741 |
| Net interest margin | 3.9459% | 1,988 |
| Noninterest income to average assets | 0.3753% | 4,441 |
| Noninterest expense to average assets | 2.7140% | 3,814 |
| Loan and lease loss provision to assets | 0.1721% | 1,426 |
| Net operating income to assets | 0.7235% | 3,711 |
| Return on assets (ROA) | 0.7096% | 3,882 |
| Pretax return on assets | 1.0931% | 3,127 |
| Return on Equity (ROE) | 6.7635% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.7635% | 1,893 |
| Net charge-offs to loans | 1.1140% | 290 |
| Credit loss provision to net charge-offs | 22.8758% | 3,157 |
| Earnings coverage of net charge-offs (x) | 1.7102% | 3,733 |
| Efficiency ratio | 67.8410% | 4,036 |
| Assets per employee ($millions) | 5.0992% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0587% | 1,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6957% | 989 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 65.0354% | 2,901 |
| Net loans and leases to deposits | 77.0559% | 2,923 |
| Net loans and leases to core deposits | 82.8607% | 2,872 |
| Total domestic deposits to total assets | 84.4004% | 3,775 |
| Equity capital to assets | 10.7402% | 3,156 |
| Core capital (leverage) ratio | 10.8568% | 2,572 |
| Tier 1 risk-based capital ratio | 14.8982% | 3,690 |
| Total risk-based capital ratio | 16.1560% | 3,632 |
| Memoranda: | ||
| Average total assets | $122,035,670 | 4,194 |
| Average earning assets | $112,117,330 | 4,184 |
| Average equity | $12,804,000 | 4,264 |
| Average total loans | $82,408,670 | 3,846 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 1,456 |
| Cost of funding earning assets | 0.6256% | 1,766 |
| Net interest margin | 3.9929% | 1,795 |
| Noninterest income to average assets | 0.2921% | 5,038 |
| Noninterest expense to average assets | 2.7375% | 3,807 |
| Loan and lease loss provision to assets | 0.1477% | 1,644 |
| Net operating income to assets | 0.7085% | 3,645 |
| Return on assets (ROA) | 0.6565% | 4,012 |
| Pretax return on assets | 0.9946% | 3,342 |
| Return on Equity (ROE) | 6.3321% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.3321% | 2,361 |
| Net charge-offs to loans | 0.9400% | 370 |
| Credit loss provision to net charge-offs | 23.0769% | 2,474 |
| Earnings coverage of net charge-offs (x) | 1.9077% | 2,993 |
| Efficiency ratio | 69.1542% | 3,974 |
| Assets per employee ($millions) | 5.3700% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2902% | 1,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6710% | 1,147 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.8371% | 2,753 |
| Net loans and leases to deposits | 76.2669% | 2,786 |
| Net loans and leases to core deposits | 82.1293% | 2,725 |
| Total domestic deposits to total assets | 85.0135% | 3,860 |
| Equity capital to assets | 10.3562% | 3,391 |
| Core capital (leverage) ratio | 10.7605% | 2,640 |
| Tier 1 risk-based capital ratio | 14.5784% | 3,961 |
| Total risk-based capital ratio | 15.8389% | 3,903 |
| Memoranda: | ||
| Average total assets | $121,863,000 | 4,238 |
| Average earning assets | $111,898,000 | 4,220 |
| Average equity | $12,634,000 | 4,319 |
| Average total loans | $82,981,000 | 3,860 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 1,698 |
| Cost of funding earning assets | 0.7971% | 1,226 |
| Net interest margin | 3.8589% | 2,433 |
| Noninterest income to average assets | 0.1595% | 6,134 |
| Noninterest expense to average assets | 2.8777% | 3,437 |
| Loan and lease loss provision to assets | 0.2084% | 1,778 |
| Net operating income to assets | 0.3981% | 5,148 |
| Return on assets (ROA) | 0.4119% | 5,219 |
| Pretax return on assets | 0.6411% | 4,735 |
| Return on Equity (ROE) | 4.1165% | 5,049 |
| Retained earnings to average equity (ytd only) | 4.1165% | 3,246 |
| Net charge-offs to loans | -0.0023% | 5,860 |
| Credit loss provision to net charge-offs | -13,000.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6600% | 2,520 |
| Assets per employee ($millions) | 5.2267% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4130% | 916 |
| Loan loss allowance to noncurrent loans | 179.5394% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 3.0828% | 1,012 |
| Noncurrent loans to loans | 1.3440% | 2,891 |
| Net loans and leases to total assets | 68.1920% | 2,323 |
| Net loans and leases to deposits | 80.3665% | 2,408 |
| Net loans and leases to core deposits | 87.4449% | 2,297 |
| Total domestic deposits to total assets | 84.8513% | 3,828 |
| Equity capital to assets | 10.3789% | 3,315 |
| Core capital (leverage) ratio | 10.4366% | 2,979 |
| Tier 1 risk-based capital ratio | 14.1163% | 4,216 |
| Total risk-based capital ratio | 15.3779% | 4,157 |
| Memoranda: | ||
| Average total assets | $124,786,800 | 4,163 |
| Average earning assets | $114,669,400 | 4,170 |
| Average equity | $12,486,200 | 4,358 |
| Average total loans | $86,830,000 | 3,763 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 1,722 |
| Cost of funding earning assets | 0.8259% | 1,183 |
| Net interest margin | 3.8336% | 2,525 |
| Noninterest income to average assets | 0.1239% | 6,404 |
| Noninterest expense to average assets | 2.9010% | 3,305 |
| Loan and lease loss provision to assets | 0.1482% | 2,424 |
| Net operating income to assets | 0.3756% | 5,351 |
| Return on assets (ROA) | 0.3939% | 5,405 |
| Pretax return on assets | 0.6268% | 4,926 |
| Return on Equity (ROE) | 3.9716% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.9716% | 3,869 |
| Net charge-offs to loans | -0.0015% | 5,675 |
| Credit loss provision to net charge-offs | -14,000.0000% | 6,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5356% | 2,171 |
| Assets per employee ($millions) | 5.4747% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 1,366 |
| Loan loss allowance to noncurrent loans | 93.5231% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.7304% | 1,375 |
| Noncurrent loans to loans | 2.3267% | 1,881 |
| Net loans and leases to total assets | 68.0496% | 2,284 |
| Net loans and leases to deposits | 78.9216% | 2,540 |
| Net loans and leases to core deposits | 86.5428% | 2,338 |
| Total domestic deposits to total assets | 86.2243% | 3,121 |
| Equity capital to assets | 9.7977% | 4,186 |
| Core capital (leverage) ratio | 10.0077% | 3,670 |
| Tier 1 risk-based capital ratio | 13.3028% | 4,900 |
| Total risk-based capital ratio | 14.5628% | 4,833 |
| Memoranda: | ||
| Average total assets | $125,929,750 | 4,191 |
| Average earning assets | $115,746,500 | 4,185 |
| Average equity | $12,488,500 | 4,399 |
| Average total loans | $87,536,500 | 3,773 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 1,446 |
| Cost of funding earning assets | 0.8375% | 1,215 |
| Net interest margin | 3.9099% | 2,185 |
| Noninterest income to average assets | 0.0889% | 6,558 |
| Noninterest expense to average assets | 2.9333% | 3,231 |
| Loan and lease loss provision to assets | 0.1271% | 2,730 |
| Net operating income to assets | 0.3823% | 5,282 |
| Return on assets (ROA) | 0.4097% | 5,345 |
| Pretax return on assets | 0.6527% | 4,833 |
| Return on Equity (ROE) | 4.1152% | 5,172 |
| Retained earnings to average equity (ytd only) | 4.1152% | 3,673 |
| Net charge-offs to loans | -0.0023% | 5,541 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9221% | 2,166 |
| Assets per employee ($millions) | 5.4003% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 1,629 |
| Loan loss allowance to noncurrent loans | 113.1821% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 2.9950% | 1,352 |
| Noncurrent loans to loans | 1.8586% | 2,549 |
| Net loans and leases to total assets | 69.1657% | 2,039 |
| Net loans and leases to deposits | 80.3051% | 2,282 |
| Net loans and leases to core deposits | 85.1324% | 2,418 |
| Total domestic deposits to total assets | 86.1287% | 3,297 |
| Equity capital to assets | 9.9931% | 3,926 |
| Core capital (leverage) ratio | 9.7935% | 3,803 |
| Tier 1 risk-based capital ratio | 12.9619% | 5,167 |
| Total risk-based capital ratio | 14.2205% | 5,100 |
| Memoranda: | ||
| Average total assets | $125,934,000 | 4,223 |
| Average earning assets | $115,347,670 | 4,223 |
| Average equity | $12,539,000 | 4,417 |
| Average total loans | $87,518,000 | 3,780 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 1,439 |
| Cost of funding earning assets | 0.8645% | 1,180 |
| Net interest margin | 3.8728% | 2,206 |
| Noninterest income to average assets | 0.1703% | 6,238 |
| Noninterest expense to average assets | 2.8991% | 3,348 |
| Loan and lease loss provision to assets | 0.1577% | 2,294 |
| Net operating income to assets | 0.4069% | 5,105 |
| Return on assets (ROA) | 0.4069% | 5,252 |
| Pretax return on assets | 0.6467% | 4,785 |
| Return on Equity (ROE) | 4.0944% | 5,045 |
| Retained earnings to average equity (ytd only) | 4.0944% | 3,765 |
| Net charge-offs to loans | -0.0092% | 5,408 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2794% | 2,564 |
| Assets per employee ($millions) | 5.5187% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 1,782 |
| Loan loss allowance to noncurrent loans | 91.0777% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 4.5206% | 826 |
| Noncurrent loans to loans | 2.3112% | 2,264 |
| Net loans and leases to total assets | 66.5727% | 2,273 |
| Net loans and leases to deposits | 77.2734% | 2,454 |
| Net loans and leases to core deposits | 81.8085% | 2,597 |
| Total domestic deposits to total assets | 86.1521% | 3,448 |
| Equity capital to assets | 9.9646% | 4,189 |
| Core capital (leverage) ratio | 9.5010% | 4,077 |
| Tier 1 risk-based capital ratio | 12.6362% | 5,480 |
| Total risk-based capital ratio | 13.8948% | 5,428 |
| Memoranda: | ||
| Average total assets | $126,798,000 | 4,247 |
| Average earning assets | $115,678,000 | 4,252 |
| Average equity | $12,602,500 | 4,452 |
| Average total loans | $87,400,000 | 3,802 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 2,649 |
| Cost of funding earning assets | 1.0738% | 1,002 |
| Net interest margin | 3.6127% | 4,034 |
| Noninterest income to average assets | 0.3001% | 5,313 |
| Noninterest expense to average assets | 2.8787% | 3,722 |
| Loan and lease loss provision to assets | 0.4091% | 1,582 |
| Net operating income to assets | 0.2268% | 5,711 |
| Return on assets (ROA) | 0.3331% | 5,565 |
| Pretax return on assets | 0.5142% | 5,237 |
| Return on Equity (ROE) | 3.5327% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.5327% | 3,733 |
| Net charge-offs to loans | 1.0953% | 962 |
| Credit loss provision to net charge-offs | 54.3878% | 4,590 |
| Earnings coverage of net charge-offs (x) | 1.0102% | 4,967 |
| Efficiency ratio | 79.1183% | 2,263 |
| Assets per employee ($millions) | 5.5073% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 2,028 |
| Loan loss allowance to noncurrent loans | 46.9041% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 5.9289% | 587 |
| Noncurrent loans to loans | 4.2528% | 1,046 |
| Net loans and leases to total assets | 68.4614% | 2,108 |
| Net loans and leases to deposits | 79.3293% | 2,368 |
| Net loans and leases to core deposits | 84.6203% | 2,477 |
| Total domestic deposits to total assets | 86.3003% | 3,202 |
| Equity capital to assets | 9.9134% | 4,287 |
| Core capital (leverage) ratio | 9.2504% | 4,501 |
| Tier 1 risk-based capital ratio | 12.1760% | 5,670 |
| Total risk-based capital ratio | 13.4328% | 5,625 |
| Memoranda: | ||
| Average total assets | $130,301,000 | 4,142 |
| Average earning assets | $120,410,000 | 4,101 |
| Average equity | $12,285,200 | 4,507 |
| Average total loans | $89,476,000 | 3,759 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 2,903 |
| Cost of funding earning assets | 1.1236% | 968 |
| Net interest margin | 3.5537% | 4,424 |
| Noninterest income to average assets | 0.3394% | 5,091 |
| Noninterest expense to average assets | 2.9296% | 3,484 |
| Loan and lease loss provision to assets | 0.4115% | 1,552 |
| Net operating income to assets | 0.1797% | 5,966 |
| Return on assets (ROA) | 0.2733% | 5,896 |
| Pretax return on assets | 0.4390% | 5,625 |
| Return on Equity (ROE) | 2.9357% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.9357% | 4,800 |
| Net charge-offs to loans | 1.2066% | 806 |
| Credit loss provision to net charge-offs | 49.8768% | 4,412 |
| Earnings coverage of net charge-offs (x) | 0.8535% | 4,903 |
| Efficiency ratio | 80.6208% | 1,997 |
| Assets per employee ($millions) | 5.1758% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 2,072 |
| Loan loss allowance to noncurrent loans | 29.3448% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 6.2669% | 618 |
| Noncurrent loans to loans | 6.9316% | 525 |
| Net loans and leases to total assets | 67.1855% | 2,425 |
| Net loans and leases to deposits | 77.5525% | 2,721 |
| Net loans and leases to core deposits | 82.5851% | 2,885 |
| Total domestic deposits to total assets | 86.6323% | 2,894 |
| Equity capital to assets | 9.6110% | 5,040 |
| Core capital (leverage) ratio | 9.0396% | 5,001 |
| Tier 1 risk-based capital ratio | 12.4065% | 5,698 |
| Total risk-based capital ratio | 13.6641% | 5,667 |
| Memoranda: | ||
| Average total assets | $131,209,500 | 4,149 |
| Average earning assets | $121,634,750 | 4,114 |
| Average equity | $12,217,250 | 4,561 |
| Average total loans | $89,724,250 | 3,799 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 2,860 |
| Cost of funding earning assets | 1.2009% | 817 |
| Net interest margin | 3.5143% | 4,608 |
| Noninterest income to average assets | 0.4218% | 4,486 |
| Noninterest expense to average assets | 3.0103% | 3,223 |
| Loan and lease loss provision to assets | 0.4324% | 1,508 |
| Net operating income to assets | 0.1438% | 6,060 |
| Return on assets (ROA) | 0.2701% | 5,901 |
| Pretax return on assets | 0.4309% | 5,633 |
| Return on Equity (ROE) | 2.9314% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.9314% | 4,683 |
| Net charge-offs to loans | 0.8884% | 1,239 |
| Credit loss provision to net charge-offs | 71.2500% | 3,532 |
| Earnings coverage of net charge-offs (x) | 1.0975% | 4,466 |
| Efficiency ratio | 81.8820% | 1,893 |
| Assets per employee ($millions) | 4.4225% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3647% | 1,471 |
| Loan loss allowance to noncurrent loans | 31.2612% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 6.7625% | 595 |
| Noncurrent loans to loans | 7.5643% | 476 |
| Net loans and leases to total assets | 67.5101% | 2,370 |
| Net loans and leases to deposits | 77.8911% | 2,690 |
| Net loans and leases to core deposits | 83.6042% | 2,745 |
| Total domestic deposits to total assets | 86.6723% | 2,969 |
| Equity capital to assets | 9.5679% | 4,954 |
| Core capital (leverage) ratio | 9.0249% | 4,875 |
| Tier 1 risk-based capital ratio | 12.4039% | 5,641 |
| Total risk-based capital ratio | 13.6658% | 5,611 |
| Memoranda: | ||
| Average total assets | $131,814,670 | 4,166 |
| Average earning assets | $122,073,330 | 4,124 |
| Average equity | $12,144,330 | 4,573 |
| Average total loans | $90,052,670 | 3,804 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 2,733 |
| Cost of funding earning assets | 1.2774% | 692 |
| Net interest margin | 3.4991% | 4,707 |
| Noninterest income to average assets | 0.6407% | 2,979 |
| Noninterest expense to average assets | 3.0690% | 3,023 |
| Loan and lease loss provision to assets | 0.5838% | 986 |
| Net operating income to assets | 0.1377% | 6,152 |
| Return on assets (ROA) | 0.1377% | 6,278 |
| Pretax return on assets | 0.2276% | 6,140 |
| Return on Equity (ROE) | 1.5231% | 6,218 |
| Retained earnings to average equity (ytd only) | 1.5231% | 5,478 |
| Net charge-offs to loans | 0.6436% | 1,519 |
| Credit loss provision to net charge-offs | 133.5616% | 1,826 |
| Earnings coverage of net charge-offs (x) | 1.8562% | 3,409 |
| Efficiency ratio | 79.0895% | 2,334 |
| Assets per employee ($millions) | 4.3262% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5119% | 1,341 |
| Loan loss allowance to noncurrent loans | 49.5725% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 5.0242% | 1,038 |
| Noncurrent loans to loans | 5.0670% | 1,101 |
| Net loans and leases to total assets | 65.4324% | 2,572 |
| Net loans and leases to deposits | 76.1260% | 2,780 |
| Net loans and leases to core deposits | 80.6040% | 2,994 |
| Total domestic deposits to total assets | 85.9527% | 3,555 |
| Equity capital to assets | 9.0149% | 5,472 |
| Core capital (leverage) ratio | 8.6044% | 5,437 |
| Tier 1 risk-based capital ratio | 11.9097% | 6,026 |
| Total risk-based capital ratio | 13.1734% | 6,007 |
| Memoranda: | ||
| Average total assets | $133,596,000 | 4,152 |
| Average earning assets | $123,688,000 | 4,113 |
| Average equity | $12,081,000 | 4,595 |
| Average total loans | $90,739,000 | 3,808 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 2,433 |
| Cost of funding earning assets | 1.6519% | 392 |
| Net interest margin | 3.4527% | 5,320 |
| Noninterest income to average assets | 0.2987% | 5,388 |
| Noninterest expense to average assets | 2.7555% | 4,531 |
| Loan and lease loss provision to assets | 0.3725% | 2,759 |
| Net operating income to assets | 0.1798% | 5,644 |
| Return on assets (ROA) | 0.2786% | 5,490 |
| Pretax return on assets | 0.4306% | 5,202 |
| Return on Equity (ROE) | 3.1307% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.1307% | 3,994 |
| Net charge-offs to loans | 0.6892% | 2,428 |
| Credit loss provision to net charge-offs | 76.4526% | 4,624 |
| Earnings coverage of net charge-offs (x) | 1.3364% | 4,772 |
| Efficiency ratio | 80.8878% | 2,176 |
| Assets per employee ($millions) | 4.4360% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4184% | 1,433 |
| Loan loss allowance to noncurrent loans | 39.4929% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 5.6221% | 902 |
| Noncurrent loans to loans | 6.1237% | 797 |
| Net loans and leases to total assets | 67.0667% | 2,569 |
| Net loans and leases to deposits | 78.8642% | 2,697 |
| Net loans and leases to core deposits | 88.7895% | 2,278 |
| Total domestic deposits to total assets | 85.0407% | 3,819 |
| Equity capital to assets | 9.0712% | 5,462 |
| Core capital (leverage) ratio | 8.4854% | 5,586 |
| Tier 1 risk-based capital ratio | 11.7351% | 6,004 |
| Total risk-based capital ratio | 12.9982% | 5,979 |
| Memoranda: | ||
| Average total assets | $134,241,000 | 4,087 |
| Average earning assets | $120,832,200 | 4,118 |
| Average equity | $11,946,200 | 4,566 |
| Average total loans | $94,893,200 | 3,746 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1786% | 2,284 |
| Cost of funding earning assets | 1.7277% | 352 |
| Net interest margin | 3.4510% | 5,390 |
| Noninterest income to average assets | 0.2874% | 5,553 |
| Noninterest expense to average assets | 2.6491% | 4,909 |
| Loan and lease loss provision to assets | 0.2230% | 3,780 |
| Net operating income to assets | 0.4018% | 4,994 |
| Return on assets (ROA) | 0.5094% | 4,695 |
| Pretax return on assets | 0.6323% | 4,707 |
| Return on Equity (ROE) | 5.7519% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.7519% | 2,705 |
| Net charge-offs to loans | 0.7018% | 2,156 |
| Credit loss provision to net charge-offs | 44.6429% | 5,154 |
| Earnings coverage of net charge-offs (x) | 1.4464% | 4,549 |
| Efficiency ratio | 78.5714% | 2,464 |
| Assets per employee ($millions) | 4.8727% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2918% | 1,703 |
| Loan loss allowance to noncurrent loans | 29.6744% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 6.7072% | 756 |
| Noncurrent loans to loans | 7.7233% | 591 |
| Net loans and leases to total assets | 65.2137% | 3,061 |
| Net loans and leases to deposits | 76.6359% | 3,221 |
| Net loans and leases to core deposits | 81.6921% | 3,374 |
| Total domestic deposits to total assets | 85.0956% | 3,728 |
| Equity capital to assets | 9.0467% | 5,693 |
| Core capital (leverage) ratio | 8.8028% | 5,262 |
| Tier 1 risk-based capital ratio | 12.3330% | 5,637 |
| Total risk-based capital ratio | 13.5943% | 5,609 |
| Memoranda: | ||
| Average total assets | $134,531,000 | 4,109 |
| Average earning assets | $120,234,250 | 4,146 |
| Average equity | $11,914,750 | 4,588 |
| Average total loans | $95,750,250 | 3,765 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 1,618 |
| Cost of funding earning assets | 1.8327% | 276 |
| Net interest margin | 3.5489% | 4,924 |
| Noninterest income to average assets | 0.3077% | 5,433 |
| Noninterest expense to average assets | 2.6573% | 4,978 |
| Loan and lease loss provision to assets | 0.2241% | 3,675 |
| Net operating income to assets | 0.4538% | 4,702 |
| Return on assets (ROA) | 0.6139% | 4,123 |
| Pretax return on assets | 0.7678% | 4,155 |
| Return on Equity (ROE) | 6.9827% | 3,455 |
| Retained earnings to average equity (ytd only) | 6.9827% | 1,886 |
| Net charge-offs to loans | 1.0297% | 1,530 |
| Credit loss provision to net charge-offs | 29.9401% | 4,991 |
| Earnings coverage of net charge-offs (x) | 1.0579% | 4,498 |
| Efficiency ratio | 77.0463% | 2,857 |
| Assets per employee ($millions) | 5.2179% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1385% | 2,036 |
| Loan loss allowance to noncurrent loans | 29.6498% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 6.5706% | 809 |
| Noncurrent loans to loans | 7.2126% | 697 |
| Net loans and leases to total assets | 67.9682% | 2,622 |
| Net loans and leases to deposits | 79.6024% | 2,869 |
| Net loans and leases to core deposits | 80.7540% | 3,682 |
| Total domestic deposits to total assets | 85.3846% | 3,682 |
| Equity capital to assets | 8.8918% | 5,715 |
| Core capital (leverage) ratio | 8.3468% | 5,791 |
| Tier 1 risk-based capital ratio | 11.2216% | 6,370 |
| Total risk-based capital ratio | 12.4835% | 6,358 |
| Memoranda: | ||
| Average total assets | $133,896,000 | 4,148 |
| Average earning assets | $118,515,670 | 4,220 |
| Average equity | $11,772,000 | 4,621 |
| Average total loans | $97,313,000 | 3,755 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5788% | 1,097 |
| Cost of funding earning assets | 1.9162% | 234 |
| Net interest margin | 3.6626% | 4,270 |
| Noninterest income to average assets | 0.1834% | 6,412 |
| Noninterest expense to average assets | 2.6043% | 5,204 |
| Loan and lease loss provision to assets | 0.2255% | 3,404 |
| Net operating income to assets | 0.3529% | 5,163 |
| Return on assets (ROA) | 0.3549% | 5,228 |
| Pretax return on assets | 0.5353% | 4,915 |
| Return on Equity (ROE) | 4.0597% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.0597% | 3,721 |
| Net charge-offs to loans | 0.1376% | 3,688 |
| Credit loss provision to net charge-offs | 220.5882% | 1,376 |
| Earnings coverage of net charge-offs (x) | 7.4118% | 1,951 |
| Efficiency ratio | 77.4597% | 2,923 |
| Assets per employee ($millions) | 5.2304% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 1,495 |
| Loan loss allowance to noncurrent loans | 40.3318% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 6.0210% | 957 |
| Noncurrent loans to loans | 6.1397% | 1,016 |
| Net loans and leases to total assets | 69.7076% | 2,182 |
| Net loans and leases to deposits | 81.3413% | 2,471 |
| Net loans and leases to core deposits | 82.5038% | 3,379 |
| Total domestic deposits to total assets | 85.6976% | 3,693 |
| Equity capital to assets | 8.5881% | 5,787 |
| Core capital (leverage) ratio | 8.4778% | 5,497 |
| Tier 1 risk-based capital ratio | 10.8671% | 6,598 |
| Total risk-based capital ratio | 12.1231% | 6,570 |
| Memoranda: | ||
| Average total assets | $133,011,500 | 4,192 |
| Average earning assets | $115,436,500 | 4,311 |
| Average equity | $11,626,500 | 4,638 |
| Average total loans | $98,857,500 | 3,749 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9159% | 1,003 |
| Cost of funding earning assets | 2.4636% | 125 |
| Net interest margin | 3.4523% | 5,424 |
| Noninterest income to average assets | 0.0984% | 6,904 |
| Noninterest expense to average assets | 2.9849% | 3,908 |
| Loan and lease loss provision to assets | 1.0598% | 1,519 |
| Net operating income to assets | -0.5900% | 6,443 |
| Return on assets (ROA) | -0.5238% | 6,434 |
| Pretax return on assets | -0.8443% | 6,540 |
| Return on Equity (ROE) | -6.1110% | 6,506 |
| Retained earnings to average equity (ytd only) | -6.1110% | 6,395 |
| Net charge-offs to loans | 1.0410% | 2,121 |
| Credit loss provision to net charge-offs | 137.3008% | 2,777 |
| Earnings coverage of net charge-offs (x) | 0.1453% | 5,972 |
| Efficiency ratio | 96.3794% | 950 |
| Assets per employee ($millions) | 5.4180% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3539% | 1,611 |
| Loan loss allowance to noncurrent loans | 41.9652% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 6.2608% | 920 |
| Noncurrent loans to loans | 5.6093% | 1,163 |
| Net loans and leases to total assets | 75.4783% | 1,381 |
| Net loans and leases to deposits | 89.7712% | 1,557 |
| Net loans and leases to core deposits | 92.3379% | 2,461 |
| Total domestic deposits to total assets | 84.0785% | 4,324 |
| Equity capital to assets | 8.9009% | 5,279 |
| Core capital (leverage) ratio | 8.3095% | 5,672 |
| Tier 1 risk-based capital ratio | 10.3998% | 6,760 |
| Total risk-based capital ratio | 11.6591% | 6,739 |
| Memoranda: | ||
| Average total assets | $138,228,000 | 4,089 |
| Average earning assets | $120,066,200 | 4,227 |
| Average equity | $11,847,400 | 4,653 |
| Average total loans | $102,500,400 | 3,726 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9665% | 996 |
| Cost of funding earning assets | 2.6037% | 95 |
| Net interest margin | 3.3628% | 5,799 |
| Noninterest income to average assets | 0.0684% | 7,192 |
| Noninterest expense to average assets | 2.7231% | 4,783 |
| Loan and lease loss provision to assets | 0.8089% | 1,871 |
| Net operating income to assets | -0.5665% | 6,643 |
| Return on assets (ROA) | -0.5180% | 6,653 |
| Pretax return on assets | -0.5180% | 6,567 |
| Return on Equity (ROE) | -6.0982% | 6,726 |
| Retained earnings to average equity (ytd only) | -6.0982% | 6,644 |
| Net charge-offs to loans | 1.1754% | 1,735 |
| Credit loss provision to net charge-offs | 93.7225% | 4,630 |
| Earnings coverage of net charge-offs (x) | 0.2808% | 5,747 |
| Efficiency ratio | 91.8269% | 1,137 |
| Assets per employee ($millions) | 5.2958% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 2,503 |
| Loan loss allowance to noncurrent loans | 48.2454% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 5.2008% | 1,207 |
| Noncurrent loans to loans | 3.9238% | 1,930 |
| Net loans and leases to total assets | 71.9263% | 2,264 |
| Net loans and leases to deposits | 84.7628% | 2,561 |
| Net loans and leases to core deposits | 87.0195% | 3,520 |
| Total domestic deposits to total assets | 84.8559% | 3,690 |
| Equity capital to assets | 8.6970% | 6,019 |
| Core capital (leverage) ratio | 8.4644% | 5,573 |
| Tier 1 risk-based capital ratio | 11.0188% | 6,366 |
| Total risk-based capital ratio | 12.2749% | 6,335 |
| Memoranda: | ||
| Average total assets | $140,277,000 | 4,105 |
| Average earning assets | $120,850,250 | 4,265 |
| Average equity | $11,915,750 | 4,703 |
| Average total loans | $102,997,500 | 3,764 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0073% | 933 |
| Cost of funding earning assets | 2.7351% | 80 |
| Net interest margin | 3.2722% | 6,103 |
| Noninterest income to average assets | 0.1587% | 6,759 |
| Noninterest expense to average assets | 2.8142% | 4,427 |
| Loan and lease loss provision to assets | 1.0996% | 1,302 |
| Net operating income to assets | -0.9409% | 6,921 |
| Return on assets (ROA) | -0.8658% | 6,905 |
| Pretax return on assets | -0.8658% | 6,823 |
| Return on Equity (ROE) | -10.2724% | 6,975 |
| Retained earnings to average equity (ytd only) | -10.2724% | 6,926 |
| Net charge-offs to loans | 1.5991% | 1,185 |
| Credit loss provision to net charge-offs | 93.6068% | 4,309 |
| Earnings coverage of net charge-offs (x) | 0.1351% | 5,588 |
| Efficiency ratio | 94.6616% | 1,033 |
| Assets per employee ($millions) | 5.5164% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8874% | 2,447 |
| Loan loss allowance to noncurrent loans | 44.0838% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 5.6885% | 1,064 |
| Noncurrent loans to loans | 4.2815% | 1,732 |
| Net loans and leases to total assets | 72.1811% | 2,349 |
| Net loans and leases to deposits | 84.8658% | 2,728 |
| Net loans and leases to core deposits | 85.4141% | 3,915 |
| Total domestic deposits to total assets | 85.0533% | 3,595 |
| Equity capital to assets | 8.5889% | 6,033 |
| Core capital (leverage) ratio | 8.3008% | 5,772 |
| Tier 1 risk-based capital ratio | 10.8219% | 6,431 |
| Total risk-based capital ratio | 12.0783% | 6,412 |
| Memoranda: | ||
| Average total assets | $141,139,000 | 4,117 |
| Average earning assets | $121,385,000 | 4,284 |
| Average equity | $11,896,000 | 4,711 |
| Average total loans | $103,681,000 | 3,779 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9663% | 1,044 |
| Cost of funding earning assets | 2.8100% | 83 |
| Net interest margin | 3.1563% | 6,432 |
| Noninterest income to average assets | 0.0757% | 7,325 |
| Noninterest expense to average assets | 3.1523% | 3,045 |
| Loan and lease loss provision to assets | 1.9278% | 579 |
| Net operating income to assets | -2.2977% | 7,519 |
| Return on assets (ROA) | -2.1464% | 7,497 |
| Pretax return on assets | -2.1464% | 7,445 |
| Return on Equity (ROE) | -25.7015% | 7,510 |
| Retained earnings to average equity (ytd only) | -25.7015% | 7,471 |
| Net charge-offs to loans | 2.8018% | 565 |
| Credit loss provision to net charge-offs | 93.7330% | 3,575 |
| Earnings coverage of net charge-offs (x) | -0.1798% | 5,155 |
| Efficiency ratio | 113.2931% | 541 |
| Assets per employee ($millions) | 5.9174% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 2,593 |
| Loan loss allowance to noncurrent loans | 32.9222% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 6.4590% | 885 |
| Noncurrent loans to loans | 5.6019% | 1,238 |
| Net loans and leases to total assets | 72.0275% | 2,437 |
| Net loans and leases to deposits | 84.0333% | 2,936 |
| Net loans and leases to core deposits | 84.5514% | 4,127 |
| Total domestic deposits to total assets | 85.7131% | 3,304 |
| Equity capital to assets | 8.1180% | 6,521 |
| Core capital (leverage) ratio | 8.1448% | 6,000 |
| Tier 1 risk-based capital ratio | 10.3267% | 6,788 |
| Total risk-based capital ratio | 11.5830% | 6,783 |
| Memoranda: | ||
| Average total assets | $142,753,500 | 4,143 |
| Average earning assets | $122,420,000 | 4,315 |
| Average equity | $11,921,500 | 4,735 |
| Average total loans | $104,791,500 | 3,801 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9317% | 2,123 |
| Cost of funding earning assets | 3.3958% | 66 |
| Net interest margin | 2.5358% | 7,384 |
| Noninterest income to average assets | 0.0048% | 7,679 |
| Noninterest expense to average assets | 2.9914% | 4,178 |
| Loan and lease loss provision to assets | 0.0656% | 6,920 |
| Net operating income to assets | -0.5236% | 6,213 |
| Return on assets (ROA) | -0.4591% | 6,135 |
| Pretax return on assets | -0.7325% | 6,220 |
| Return on Equity (ROE) | -5.4032% | 6,249 |
| Retained earnings to average equity (ytd only) | -5.4032% | 6,072 |
| Net charge-offs to loans | -0.0086% | 7,740 |
| Credit loss provision to net charge-offs | -1,055.5556% | 7,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5234% | 430 |
| Assets per employee ($millions) | 5.1246% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 2,344 |
| Loan loss allowance to noncurrent loans | 33.9838% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 6.5406% | 832 |
| Noncurrent loans to loans | 5.4959% | 1,177 |
| Net loans and leases to total assets | 72.0620% | 2,742 |
| Net loans and leases to deposits | 85.1556% | 3,055 |
| Net loans and leases to core deposits | 106.4804% | 3,277 |
| Total domestic deposits to total assets | 84.6239% | 3,743 |
| Equity capital to assets | 8.5818% | 5,752 |
| Core capital (leverage) ratio | 8.5210% | 5,247 |
| Tier 1 risk-based capital ratio | 10.7904% | 6,122 |
| Total risk-based capital ratio | 12.0461% | 6,089 |
| Memoranda: | ||
| Average total assets | $144,848,400 | 4,031 |
| Average earning assets | $126,743,000 | 4,161 |
| Average equity | $12,307,600 | 4,682 |
| Average total loans | $104,925,200 | 3,807 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9183% | 2,361 |
| Cost of funding earning assets | 3.4943% | 74 |
| Net interest margin | 2.4240% | 7,544 |
| Noninterest income to average assets | 0.2149% | 6,697 |
| Noninterest expense to average assets | 2.7880% | 4,938 |
| Loan and lease loss provision to assets | 0.0184% | 7,166 |
| Net operating income to assets | -0.4638% | 6,390 |
| Return on assets (ROA) | -0.4215% | 6,341 |
| Pretax return on assets | -0.4215% | 6,224 |
| Return on Equity (ROE) | -4.9730% | 6,449 |
| Retained earnings to average equity (ytd only) | -4.9730% | 6,253 |
| Net charge-offs to loans | -0.1730% | 7,965 |
| Credit loss provision to net charge-offs | -14.7059% | 7,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0122% | 602 |
| Assets per employee ($millions) | 5.2595% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 2,007 |
| Loan loss allowance to noncurrent loans | 36.9287% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 7.1062% | 671 |
| Noncurrent loans to loans | 5.1732% | 1,247 |
| Net loans and leases to total assets | 70.4288% | 3,407 |
| Net loans and leases to deposits | 82.8179% | 3,863 |
| Net loans and leases to core deposits | 105.4656% | 3,761 |
| Total domestic deposits to total assets | 85.0406% | 3,217 |
| Equity capital to assets | 8.2647% | 6,544 |
| Core capital (leverage) ratio | 8.0918% | 6,196 |
| Tier 1 risk-based capital ratio | 10.4006% | 6,571 |
| Total risk-based capital ratio | 11.6570% | 6,510 |
| Memoranda: | ||
| Average total assets | $145,188,250 | 4,055 |
| Average earning assets | $127,443,000 | 4,169 |
| Average equity | $12,306,000 | 4,713 |
| Average total loans | $104,814,250 | 3,857 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9727% | 2,291 |
| Cost of funding earning assets | 3.5273% | 103 |
| Net interest margin | 2.4454% | 7,531 |
| Noninterest income to average assets | 0.1869% | 6,960 |
| Noninterest expense to average assets | 2.7502% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.4111% | 6,458 |
| Return on assets (ROA) | -0.4111% | 6,469 |
| Pretax return on assets | -0.4111% | 6,338 |
| Return on Equity (ROE) | -4.8093% | 6,583 |
| Retained earnings to average equity (ytd only) | -4.8093% | 6,272 |
| Net charge-offs to loans | -0.2603% | 8,055 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5740% | 716 |
| Assets per employee ($millions) | 5.0522% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 1,868 |
| Loan loss allowance to noncurrent loans | 71.0227% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 5.7967% | 848 |
| Noncurrent loans to loans | 2.6326% | 2,750 |
| Net loans and leases to total assets | 71.6425% | 3,310 |
| Net loans and leases to deposits | 84.4254% | 3,808 |
| Net loans and leases to core deposits | 108.9468% | 3,499 |
| Total domestic deposits to total assets | 84.8589% | 3,330 |
| Equity capital to assets | 8.3643% | 6,249 |
| Core capital (leverage) ratio | 8.3151% | 5,769 |
| Tier 1 risk-based capital ratio | 10.2259% | 6,680 |
| Total risk-based capital ratio | 11.4816% | 6,604 |
| Memoranda: | ||
| Average total assets | $144,496,000 | 4,092 |
| Average earning assets | $127,178,000 | 4,194 |
| Average equity | $12,351,000 | 4,724 |
| Average total loans | $104,506,670 | 3,902 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7400% | 3,585 |
| Cost of funding earning assets | 3.5530% | 129 |
| Net interest margin | 2.1870% | 7,811 |
| Noninterest income to average assets | 0.1784% | 7,026 |
| Noninterest expense to average assets | 2.9829% | 3,847 |
| Loan and lease loss provision to assets | 0.0279% | 6,580 |
| Net operating income to assets | -0.8865% | 7,179 |
| Return on assets (ROA) | -0.8865% | 7,208 |
| Pretax return on assets | -0.8865% | 7,086 |
| Return on Equity (ROE) | -10.2589% | 7,379 |
| Retained earnings to average equity (ytd only) | -10.2589% | 7,135 |
| Net charge-offs to loans | -0.7669% | 8,140 |
| Credit loss provision to net charge-offs | -5.0505% | 6,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.4199% | 408 |
| Assets per employee ($millions) | 5.1172% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9995% | 1,420 |
| Loan loss allowance to noncurrent loans | 37.1659% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 6.3329% | 600 |
| Noncurrent loans to loans | 5.3799% | 980 |
| Net loans and leases to total assets | 68.4331% | 4,037 |
| Net loans and leases to deposits | 80.4197% | 4,545 |
| Net loans and leases to core deposits | 103.4376% | 4,196 |
| Total domestic deposits to total assets | 85.0949% | 3,150 |
| Equity capital to assets | 8.2393% | 6,484 |
| Core capital (leverage) ratio | 8.4960% | 5,545 |
| Tier 1 risk-based capital ratio | 10.4281% | 6,466 |
| Total risk-based capital ratio | 11.4946% | 6,578 |
| Memoranda: | ||
| Average total assets | $143,486,500 | 4,118 |
| Average earning assets | $127,665,000 | 4,201 |
| Average equity | $12,399,000 | 4,727 |
| Average total loans | $103,276,500 | 3,954 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8116% | 1,642 |
| Cost of funding earning assets | 3.8629% | 159 |
| Net interest margin | 2.9488% | 7,034 |
| Noninterest income to average assets | 0.2419% | 6,713 |
| Noninterest expense to average assets | 2.7024% | 5,258 |
| Loan and lease loss provision to assets | 1.2476% | 1,147 |
| Net operating income to assets | -0.6117% | 7,012 |
| Return on assets (ROA) | -0.6098% | 6,903 |
| Pretax return on assets | -0.9888% | 6,991 |
| Return on Equity (ROE) | -6.2897% | 6,986 |
| Retained earnings to average equity (ytd only) | -6.2897% | 6,698 |
| Net charge-offs to loans | 1.8086% | 607 |
| Credit loss provision to net charge-offs | 90.6267% | 5,667 |
| Earnings coverage of net charge-offs (x) | 0.1859% | 6,131 |
| Efficiency ratio | 91.3509% | 1,421 |
| Assets per employee ($millions) | 4.6191% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 1,604 |
| Loan loss allowance to noncurrent loans | 76.0506% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 4.7332% | 764 |
| Noncurrent loans to loans | 2.3813% | 2,308 |
| Net loans and leases to total assets | 72.9307% | 3,375 |
| Net loans and leases to deposits | 85.5487% | 4,176 |
| Net loans and leases to core deposits | 111.7471% | 3,592 |
| Total domestic deposits to total assets | 85.2505% | 2,727 |
| Equity capital to assets | 9.0717% | 5,263 |
| Core capital (leverage) ratio | 8.9450% | 4,821 |
| Tier 1 risk-based capital ratio | 10.8591% | 5,854 |
| Total risk-based capital ratio | 12.1139% | 5,760 |
| Memoranda: | ||
| Average total assets | $135,620,800 | 4,170 |
| Average earning assets | $124,933,600 | 4,156 |
| Average equity | $13,148,400 | 4,532 |
| Average total loans | $103,226,800 | 3,869 |