Home > Hopewell Valley Community Bank > Performance and Condition Ratios
Hopewell Valley Community Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,479 |
| Cost of funding earning assets | 0.4086% | 3,065 |
| Net interest margin | 3.5491% | 3,330 |
| Noninterest income to average assets | 0.1720% | 5,553 |
| Noninterest expense to average assets | 2.7079% | 3,556 |
| Loan and lease loss provision to assets | 0.3031% | 566 |
| Net operating income to assets | 0.3901% | 5,084 |
| Return on assets (ROA) | 0.4155% | 5,087 |
| Pretax return on assets | 0.5175% | 5,072 |
| Return on Equity (ROE) | 4.4074% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.1255% | 3,835 |
| Net charge-offs to loans | -0.0020% | 4,878 |
| Credit loss provision to net charge-offs | -21,428.5714% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4387% | 2,055 |
| Assets per employee ($millions) | 6.2747% | 1,218 |
| Cash dividends to net income (ytd only)* | 29.0856% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 1,578 |
| Loan loss allowance to noncurrent loans | 64.6515% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.7249% | 1,116 |
| Noncurrent loans to loans | 2.4932% | 736 |
| Net loans and leases to total assets | 68.0701% | 2,695 |
| Net loans and leases to deposits | 76.0589% | 3,246 |
| Net loans and leases to core deposits | 79.7218% | 3,378 |
| Total domestic deposits to total assets | 89.4965% | 859 |
| Equity capital to assets | 9.4111% | 4,660 |
| Core capital (leverage) ratio | 9.4959% | 4,175 |
| Tier 1 risk-based capital ratio | 13.0273% | 4,289 |
| Total risk-based capital ratio | 14.2810% | 4,202 |
| Memoranda: | ||
| Average total assets | $494,856,800 | 1,362 |
| Average earning assets | $463,582,200 | 1,335 |
| Average equity | $46,648,400 | 1,584 |
| Average total loans | $351,155,200 | 1,285 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,313 |
| Cost of funding earning assets | 0.4113% | 3,111 |
| Net interest margin | 3.5948% | 3,184 |
| Noninterest income to average assets | 0.1839% | 5,559 |
| Noninterest expense to average assets | 2.7487% | 3,389 |
| Loan and lease loss provision to assets | 0.1465% | 1,491 |
| Net operating income to assets | 0.4628% | 4,924 |
| Return on assets (ROA) | 0.4926% | 4,907 |
| Pretax return on assets | 0.7007% | 4,680 |
| Return on Equity (ROE) | 5.2236% | 4,520 |
| Retained earnings to average equity (ytd only) | 3.9033% | 3,689 |
| Net charge-offs to loans | -0.0027% | 4,737 |
| Credit loss provision to net charge-offs | -7,714.2857% | 5,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3571% | 2,041 |
| Assets per employee ($millions) | 6.0531% | 1,338 |
| Cash dividends to net income (ytd only)* | 25.2752% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,981 |
| Loan loss allowance to noncurrent loans | 94.3487% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 2,313 |
| Noncurrent loans to loans | 1.4023% | 1,815 |
| Net loans and leases to total assets | 69.8888% | 2,403 |
| Net loans and leases to deposits | 78.2486% | 3,075 |
| Net loans and leases to core deposits | 81.7233% | 3,281 |
| Total domestic deposits to total assets | 89.3164% | 860 |
| Equity capital to assets | 9.3767% | 4,909 |
| Core capital (leverage) ratio | 9.3834% | 4,463 |
| Tier 1 risk-based capital ratio | 12.5613% | 4,713 |
| Total risk-based capital ratio | 13.8114% | 4,613 |
| Memoranda: | ||
| Average total assets | $491,508,250 | 1,376 |
| Average earning assets | $460,686,250 | 1,348 |
| Average equity | $46,352,500 | 1,603 |
| Average total loans | $351,035,250 | 1,290 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,331 |
| Cost of funding earning assets | 0.4156% | 3,087 |
| Net interest margin | 3.5751% | 3,188 |
| Noninterest income to average assets | 0.1820% | 5,598 |
| Noninterest expense to average assets | 2.7310% | 3,489 |
| Loan and lease loss provision to assets | 0.1763% | 1,177 |
| Net operating income to assets | 0.4407% | 5,003 |
| Return on assets (ROA) | 0.4858% | 4,933 |
| Pretax return on assets | 0.6891% | 4,692 |
| Return on Equity (ROE) | 5.1410% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.0390% | 3,445 |
| Net charge-offs to loans | -0.0029% | 4,638 |
| Credit loss provision to net charge-offs | -8,600.0000% | 5,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3213% | 2,156 |
| Assets per employee ($millions) | 5.8237% | 1,479 |
| Cash dividends to net income (ytd only)* | 21.4346% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 3,318 |
| Loan loss allowance to noncurrent loans | 100.1525% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 2,615 |
| Noncurrent loans to loans | 1.2845% | 2,106 |
| Net loans and leases to total assets | 71.2448% | 2,119 |
| Net loans and leases to deposits | 79.1842% | 2,885 |
| Net loans and leases to core deposits | 82.3858% | 3,134 |
| Total domestic deposits to total assets | 89.9735% | 673 |
| Equity capital to assets | 9.3643% | 4,826 |
| Core capital (leverage) ratio | 9.4292% | 4,378 |
| Tier 1 risk-based capital ratio | 12.3375% | 4,918 |
| Total risk-based capital ratio | 13.5557% | 4,836 |
| Memoranda: | ||
| Average total assets | $487,876,000 | 1,395 |
| Average earning assets | $457,162,670 | 1,366 |
| Average equity | $46,100,330 | 1,615 |
| Average total loans | $349,436,000 | 1,300 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,228 |
| Cost of funding earning assets | 0.4165% | 3,120 |
| Net interest margin | 3.5842% | 3,063 |
| Noninterest income to average assets | 0.1792% | 5,642 |
| Noninterest expense to average assets | 2.7495% | 3,420 |
| Loan and lease loss provision to assets | 0.1487% | 1,366 |
| Net operating income to assets | 0.4424% | 4,905 |
| Return on assets (ROA) | 0.5319% | 4,653 |
| Pretax return on assets | 0.7656% | 4,366 |
| Return on Equity (ROE) | 5.6033% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.8283% | 3,708 |
| Net charge-offs to loans | -0.0023% | 4,364 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7986% | 2,212 |
| Assets per employee ($millions) | 5.7094% | 1,621 |
| Cash dividends to net income (ytd only)* | 31.6770% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 3,662 |
| Loan loss allowance to noncurrent loans | 155.9986% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 3,668 |
| Noncurrent loans to loans | 0.8038% | 3,234 |
| Net loans and leases to total assets | 70.4761% | 2,075 |
| Net loans and leases to deposits | 78.6478% | 2,724 |
| Net loans and leases to core deposits | 81.6655% | 2,991 |
| Total domestic deposits to total assets | 89.6097% | 941 |
| Equity capital to assets | 9.5409% | 4,699 |
| Core capital (leverage) ratio | 9.5550% | 4,197 |
| Tier 1 risk-based capital ratio | 12.4983% | 4,908 |
| Total risk-based capital ratio | 13.6767% | 4,870 |
| Memoranda: | ||
| Average total assets | $484,306,000 | 1,410 |
| Average earning assets | $453,322,500 | 1,384 |
| Average equity | $45,973,000 | 1,623 |
| Average total loans | $345,519,500 | 1,310 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,393 |
| Cost of funding earning assets | 0.4464% | 3,206 |
| Net interest margin | 3.6349% | 3,271 |
| Noninterest income to average assets | 0.2373% | 5,439 |
| Noninterest expense to average assets | 2.7561% | 3,653 |
| Loan and lease loss provision to assets | 0.1719% | 1,512 |
| Net operating income to assets | 0.4904% | 4,845 |
| Return on assets (ROA) | 0.5425% | 4,716 |
| Pretax return on assets | 0.7812% | 4,327 |
| Return on Equity (ROE) | 5.7429% | 4,288 |
| Retained earnings to average equity (ytd only) | 4.6234% | 2,886 |
| Net charge-offs to loans | 0.0647% | 3,560 |
| Credit loss provision to net charge-offs | 373.8318% | 699 |
| Earnings coverage of net charge-offs (x) | 19.0841% | 1,801 |
| Efficiency ratio | 75.8458% | 2,531 |
| Assets per employee ($millions) | 5.6199% | 1,674 |
| Cash dividends to net income (ytd only)* | 19.4929% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 3,954 |
| Loan loss allowance to noncurrent loans | 177.6687% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 3,854 |
| Noncurrent loans to loans | 0.6795% | 3,643 |
| Net loans and leases to total assets | 70.4544% | 2,163 |
| Net loans and leases to deposits | 78.8420% | 2,859 |
| Net loans and leases to core deposits | 81.7462% | 3,136 |
| Total domestic deposits to total assets | 89.3615% | 1,042 |
| Equity capital to assets | 9.4440% | 4,785 |
| Core capital (leverage) ratio | 9.4545% | 4,302 |
| Tier 1 risk-based capital ratio | 12.5526% | 5,010 |
| Total risk-based capital ratio | 13.6975% | 4,988 |
| Memoranda: | ||
| Average total assets | $465,287,200 | 1,434 |
| Average earning assets | $434,780,400 | 1,413 |
| Average equity | $43,950,200 | 1,646 |
| Average total loans | $330,570,400 | 1,325 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,460 |
| Cost of funding earning assets | 0.4485% | 3,269 |
| Net interest margin | 3.6311% | 3,307 |
| Noninterest income to average assets | 0.2645% | 5,318 |
| Noninterest expense to average assets | 2.7567% | 3,617 |
| Loan and lease loss provision to assets | 0.1447% | 1,732 |
| Net operating income to assets | 0.5220% | 4,790 |
| Return on assets (ROA) | 0.5561% | 4,727 |
| Pretax return on assets | 0.8024% | 4,358 |
| Return on Equity (ROE) | 5.8874% | 4,290 |
| Retained earnings to average equity (ytd only) | 4.5335% | 3,419 |
| Net charge-offs to loans | 0.0265% | 3,975 |
| Credit loss provision to net charge-offs | 769.2308% | 404 |
| Earnings coverage of net charge-offs (x) | 47.7256% | 1,006 |
| Efficiency ratio | 75.4375% | 2,587 |
| Assets per employee ($millions) | 5.7664% | 1,513 |
| Cash dividends to net income (ytd only)* | 22.9970% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 4,295 |
| Loan loss allowance to noncurrent loans | 150.8086% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 3,747 |
| Noncurrent loans to loans | 0.7875% | 3,612 |
| Net loans and leases to total assets | 68.8777% | 2,392 |
| Net loans and leases to deposits | 76.9375% | 3,075 |
| Net loans and leases to core deposits | 79.8332% | 3,328 |
| Total domestic deposits to total assets | 89.5243% | 972 |
| Equity capital to assets | 9.2335% | 5,107 |
| Core capital (leverage) ratio | 9.1483% | 4,858 |
| Tier 1 risk-based capital ratio | 12.5895% | 5,119 |
| Total risk-based capital ratio | 13.7098% | 5,126 |
| Memoranda: | ||
| Average total assets | $460,781,250 | 1,457 |
| Average earning assets | $430,165,250 | 1,437 |
| Average equity | $43,526,750 | 1,660 |
| Average total loans | $327,044,250 | 1,344 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 3,361 |
| Cost of funding earning assets | 0.4409% | 3,432 |
| Net interest margin | 3.6555% | 3,121 |
| Noninterest income to average assets | 0.2808% | 5,179 |
| Noninterest expense to average assets | 2.8089% | 3,469 |
| Loan and lease loss provision to assets | 0.1325% | 1,873 |
| Net operating income to assets | 0.5158% | 4,743 |
| Return on assets (ROA) | 0.5679% | 4,614 |
| Pretax return on assets | 0.8196% | 4,200 |
| Return on Equity (ROE) | 5.9637% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.8229% | 3,071 |
| Net charge-offs to loans | 0.0420% | 3,388 |
| Credit loss provision to net charge-offs | 441.1765% | 644 |
| Earnings coverage of net charge-offs (x) | 29.1912% | 1,275 |
| Efficiency ratio | 76.2162% | 2,589 |
| Assets per employee ($millions) | 5.6248% | 1,589 |
| Cash dividends to net income (ytd only)* | 19.1291% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 4,675 |
| Loan loss allowance to noncurrent loans | 130.1538% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 3,673 |
| Noncurrent loans to loans | 0.8808% | 3,497 |
| Net loans and leases to total assets | 69.4755% | 2,165 |
| Net loans and leases to deposits | 77.1833% | 2,902 |
| Net loans and leases to core deposits | 80.7823% | 3,119 |
| Total domestic deposits to total assets | 90.0136% | 800 |
| Equity capital to assets | 9.3432% | 4,932 |
| Core capital (leverage) ratio | 9.7727% | 3,931 |
| Tier 1 risk-based capital ratio | 12.5612% | 5,185 |
| Total risk-based capital ratio | 13.6328% | 5,231 |
| Memoranda: | ||
| Average total assets | $452,916,330 | 1,476 |
| Average earning assets | $421,833,670 | 1,464 |
| Average equity | $43,127,330 | 1,659 |
| Average total loans | $323,513,330 | 1,343 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 3,128 |
| Cost of funding earning assets | 0.4361% | 3,586 |
| Net interest margin | 3.7052% | 2,844 |
| Noninterest income to average assets | 0.3755% | 4,383 |
| Noninterest expense to average assets | 2.8479% | 3,392 |
| Loan and lease loss provision to assets | 0.1354% | 1,792 |
| Net operating income to assets | 0.5795% | 4,302 |
| Return on assets (ROA) | 0.5795% | 4,369 |
| Pretax return on assets | 0.8431% | 3,928 |
| Return on Equity (ROE) | 6.0256% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.1766% | 3,623 |
| Net charge-offs to loans | -0.2656% | 6,453 |
| Credit loss provision to net charge-offs | -70.7547% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4279% | 3,064 |
| Assets per employee ($millions) | 5.2104% | 2,002 |
| Cash dividends to net income (ytd only)* | 30.6854% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 4,510 |
| Loan loss allowance to noncurrent loans | 106.5782% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 3,306 |
| Noncurrent loans to loans | 1.1510% | 3,125 |
| Net loans and leases to total assets | 70.7411% | 1,769 |
| Net loans and leases to deposits | 79.2401% | 2,400 |
| Net loans and leases to core deposits | 83.2798% | 2,604 |
| Total domestic deposits to total assets | 89.2744% | 1,489 |
| Equity capital to assets | 9.6305% | 4,313 |
| Core capital (leverage) ratio | 9.9469% | 3,639 |
| Tier 1 risk-based capital ratio | 12.9641% | 5,026 |
| Total risk-based capital ratio | 14.1235% | 5,018 |
| Memoranda: | ||
| Average total assets | $443,133,500 | 1,512 |
| Average earning assets | $412,714,500 | 1,500 |
| Average equity | $42,618,500 | 1,675 |
| Average total loans | $319,237,000 | 1,365 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0448% | 3,937 |
| Cost of funding earning assets | 0.5259% | 3,336 |
| Net interest margin | 3.5189% | 3,813 |
| Noninterest income to average assets | 0.2134% | 5,806 |
| Noninterest expense to average assets | 3.4080% | 1,863 |
| Loan and lease loss provision to assets | 0.2567% | 1,399 |
| Net operating income to assets | -0.0383% | 6,248 |
| Return on assets (ROA) | 0.0185% | 6,224 |
| Pretax return on assets | -0.0821% | 6,277 |
| Return on Equity (ROE) | 0.1924% | 6,217 |
| Retained earnings to average equity (ytd only) | -0.1710% | 5,907 |
| Net charge-offs to loans | 0.4294% | 1,553 |
| Credit loss provision to net charge-offs | 88.5917% | 2,801 |
| Earnings coverage of net charge-offs (x) | 0.2966% | 4,985 |
| Efficiency ratio | 97.5396% | 562 |
| Assets per employee ($millions) | 4.9792% | 2,201 |
| Cash dividends to net income (ytd only)* | 188.8889% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,023 |
| Loan loss allowance to noncurrent loans | 107.4865% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 3,827 |
| Noncurrent loans to loans | 1.0474% | 3,415 |
| Net loans and leases to total assets | 71.6556% | 1,745 |
| Net loans and leases to deposits | 80.6801% | 2,363 |
| Net loans and leases to core deposits | 84.4816% | 2,622 |
| Total domestic deposits to total assets | 88.8144% | 1,740 |
| Equity capital to assets | 9.6042% | 4,283 |
| Core capital (leverage) ratio | 9.7043% | 3,977 |
| Tier 1 risk-based capital ratio | 12.9300% | 5,027 |
| Total risk-based capital ratio | 13.9909% | 5,093 |
| Memoranda: | ||
| Average total assets | $438,561,800 | 1,510 |
| Average earning assets | $408,848,400 | 1,484 |
| Average equity | $42,110,400 | 1,665 |
| Average total loans | $296,007,200 | 1,424 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 4,110 |
| Cost of funding earning assets | 0.5444% | 3,326 |
| Net interest margin | 3.4617% | 4,050 |
| Noninterest income to average assets | 0.2207% | 5,846 |
| Noninterest expense to average assets | 3.6194% | 1,366 |
| Loan and lease loss provision to assets | 0.2967% | 1,151 |
| Net operating income to assets | -0.2167% | 6,479 |
| Return on assets (ROA) | -0.1410% | 6,455 |
| Pretax return on assets | -0.3495% | 6,543 |
| Return on Equity (ROE) | -1.4689% | 6,453 |
| Retained earnings to average equity (ytd only) | -1.7981% | 6,240 |
| Net charge-offs to loans | 0.6193% | 1,000 |
| Credit loss provision to net charge-offs | 72.2963% | 3,021 |
| Earnings coverage of net charge-offs (x) | -0.4170% | 4,944 |
| Efficiency ratio | 104.9625% | 351 |
| Assets per employee ($millions) | 5.4102% | 1,719 |
| Cash dividends to net income (ytd only)* | -22.4133% | 6,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 5,322 |
| Loan loss allowance to noncurrent loans | 107.4847% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 4,214 |
| Noncurrent loans to loans | 1.0255% | 3,749 |
| Net loans and leases to total assets | 66.8560% | 2,492 |
| Net loans and leases to deposits | 75.0646% | 3,083 |
| Net loans and leases to core deposits | 78.7260% | 3,268 |
| Total domestic deposits to total assets | 89.0645% | 1,522 |
| Equity capital to assets | 9.3171% | 4,783 |
| Core capital (leverage) ratio | 9.8227% | 3,927 |
| Tier 1 risk-based capital ratio | 13.2484% | 4,946 |
| Total risk-based capital ratio | 14.2797% | 5,053 |
| Memoranda: | ||
| Average total assets | $438,659,500 | 1,520 |
| Average earning assets | $409,003,250 | 1,490 |
| Average equity | $42,117,250 | 1,676 |
| Average total loans | $290,621,750 | 1,461 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 4,043 |
| Cost of funding earning assets | 0.5864% | 3,067 |
| Net interest margin | 3.4294% | 4,075 |
| Noninterest income to average assets | 0.1563% | 6,269 |
| Noninterest expense to average assets | 4.0083% | 855 |
| Loan and lease loss provision to assets | 0.3796% | 847 |
| Net operating income to assets | -0.5526% | 6,653 |
| Return on assets (ROA) | -0.4614% | 6,638 |
| Pretax return on assets | -0.8911% | 6,719 |
| Return on Equity (ROE) | -4.7571% | 6,633 |
| Retained earnings to average equity (ytd only) | -5.1172% | 6,468 |
| Net charge-offs to loans | 0.8550% | 726 |
| Credit loss provision to net charge-offs | 67.4837% | 2,881 |
| Earnings coverage of net charge-offs (x) | -1.1626% | 4,723 |
| Efficiency ratio | 119.4958% | 186 |
| Assets per employee ($millions) | 5.0210% | 2,091 |
| Cash dividends to net income (ytd only)* | -7.5697% | 6,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,330 |
| Loan loss allowance to noncurrent loans | 75.3117% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.0458% | 3,657 |
| Noncurrent loans to loans | 1.4978% | 3,057 |
| Net loans and leases to total assets | 69.0363% | 2,058 |
| Net loans and leases to deposits | 77.2141% | 2,692 |
| Net loans and leases to core deposits | 81.2912% | 2,886 |
| Total domestic deposits to total assets | 89.4089% | 1,374 |
| Equity capital to assets | 9.8170% | 4,165 |
| Core capital (leverage) ratio | 9.8357% | 3,745 |
| Tier 1 risk-based capital ratio | 13.2411% | 4,966 |
| Total risk-based capital ratio | 14.2924% | 5,055 |
| Memoranda: | ||
| Average total assets | $435,198,330 | 1,529 |
| Average earning assets | $405,842,000 | 1,500 |
| Average equity | $42,210,330 | 1,674 |
| Average total loans | $286,309,670 | 1,477 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 4,312 |
| Cost of funding earning assets | 0.6741% | 2,448 |
| Net interest margin | 3.2700% | 4,632 |
| Noninterest income to average assets | 0.1484% | 6,362 |
| Noninterest expense to average assets | 5.2064% | 319 |
| Loan and lease loss provision to assets | 0.5666% | 460 |
| Net operating income to assets | -1.4712% | 6,878 |
| Return on assets (ROA) | -1.4510% | 6,882 |
| Pretax return on assets | -2.5371% | 6,941 |
| Return on Equity (ROE) | -15.0471% | 6,866 |
| Retained earnings to average equity (ytd only) | -15.3099% | 6,752 |
| Net charge-offs to loans | 1.8695% | 251 |
| Credit loss provision to net charge-offs | 47.4602% | 2,641 |
| Earnings coverage of net charge-offs (x) | -1.6770% | 4,005 |
| Efficiency ratio | 162.4859% | 66 |
| Assets per employee ($millions) | 5.0114% | 2,198 |
| Cash dividends to net income (ytd only)* | -1.7467% | 6,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,770 |
| Loan loss allowance to noncurrent loans | 94.0939% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 4,438 |
| Noncurrent loans to loans | 1.1225% | 3,907 |
| Net loans and leases to total assets | 65.7987% | 2,409 |
| Net loans and leases to deposits | 73.8309% | 2,938 |
| Net loans and leases to core deposits | 78.1829% | 3,039 |
| Total domestic deposits to total assets | 89.1208% | 1,612 |
| Equity capital to assets | 9.6831% | 4,584 |
| Core capital (leverage) ratio | 9.2487% | 4,483 |
| Tier 1 risk-based capital ratio | 13.3319% | 4,986 |
| Total risk-based capital ratio | 14.3087% | 5,130 |
| Memoranda: | ||
| Average total assets | $441,913,500 | 1,518 |
| Average earning assets | $412,969,000 | 1,488 |
| Average equity | $42,613,000 | 1,675 |
| Average total loans | $282,217,000 | 1,506 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 5,373 |
| Cost of funding earning assets | 0.8160% | 2,535 |
| Net interest margin | 3.1657% | 5,652 |
| Noninterest income to average assets | 0.2525% | 5,660 |
| Noninterest expense to average assets | 2.4883% | 5,139 |
| Loan and lease loss provision to assets | 0.1404% | 3,854 |
| Net operating income to assets | 0.4102% | 5,056 |
| Return on assets (ROA) | 0.4474% | 5,141 |
| Pretax return on assets | 0.6369% | 4,862 |
| Return on Equity (ROE) | 4.4618% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.5646% | 4,422 |
| Net charge-offs to loans | 0.1383% | 4,310 |
| Credit loss provision to net charge-offs | 169.9717% | 1,558 |
| Earnings coverage of net charge-offs (x) | 8.7677% | 2,357 |
| Efficiency ratio | 77.4581% | 2,525 |
| Assets per employee ($millions) | 5.3911% | 1,793 |
| Cash dividends to net income (ytd only)* | 42.5209% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,460 |
| Loan loss allowance to noncurrent loans | 363.9922% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 5,703 |
| Noncurrent loans to loans | 0.3679% | 5,568 |
| Net loans and leases to total assets | 60.5299% | 3,509 |
| Net loans and leases to deposits | 71.5364% | 3,491 |
| Net loans and leases to core deposits | 76.1410% | 3,515 |
| Total domestic deposits to total assets | 84.6141% | 4,030 |
| Equity capital to assets | 9.6045% | 4,741 |
| Core capital (leverage) ratio | 9.5814% | 3,991 |
| Tier 1 risk-based capital ratio | 14.2303% | 4,215 |
| Total risk-based capital ratio | 15.4625% | 4,191 |
| Memoranda: | ||
| Average total assets | $427,395,800 | 1,537 |
| Average earning assets | $399,627,600 | 1,507 |
| Average equity | $42,852,400 | 1,624 |
| Average total loans | $255,287,000 | 1,618 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 5,446 |
| Cost of funding earning assets | 0.8494% | 2,545 |
| Net interest margin | 3.1748% | 5,755 |
| Noninterest income to average assets | 0.2673% | 5,642 |
| Noninterest expense to average assets | 2.5033% | 5,069 |
| Loan and lease loss provision to assets | 0.1425% | 3,753 |
| Net operating income to assets | 0.4111% | 5,202 |
| Return on assets (ROA) | 0.4614% | 5,237 |
| Pretax return on assets | 0.6618% | 4,978 |
| Return on Equity (ROE) | 4.5503% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.1980% | 4,618 |
| Net charge-offs to loans | 0.0534% | 4,904 |
| Credit loss provision to net charge-offs | 450.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 23.1300% | 1,323 |
| Efficiency ratio | 77.3635% | 2,471 |
| Assets per employee ($millions) | 5.5221% | 1,618 |
| Cash dividends to net income (ytd only)* | 29.7186% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 3,968 |
| Loan loss allowance to noncurrent loans | 126.0884% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 4,803 |
| Noncurrent loans to loans | 1.1864% | 4,078 |
| Net loans and leases to total assets | 56.9850% | 4,297 |
| Net loans and leases to deposits | 67.7484% | 4,224 |
| Net loans and leases to core deposits | 71.9071% | 4,266 |
| Total domestic deposits to total assets | 84.1126% | 4,165 |
| Equity capital to assets | 9.8202% | 4,750 |
| Core capital (leverage) ratio | 9.9546% | 3,603 |
| Tier 1 risk-based capital ratio | 15.3798% | 3,605 |
| Total risk-based capital ratio | 16.6347% | 3,561 |
| Memoranda: | ||
| Average total assets | $421,032,500 | 1,578 |
| Average earning assets | $393,669,750 | 1,542 |
| Average equity | $42,692,000 | 1,648 |
| Average total loans | $249,651,500 | 1,664 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 5,321 |
| Cost of funding earning assets | 0.8892% | 2,487 |
| Net interest margin | 3.2084% | 5,708 |
| Noninterest income to average assets | 0.1995% | 6,126 |
| Noninterest expense to average assets | 2.4988% | 5,143 |
| Loan and lease loss provision to assets | 0.1449% | 3,708 |
| Net operating income to assets | 0.3806% | 5,293 |
| Return on assets (ROA) | 0.4574% | 5,243 |
| Pretax return on assets | 0.6573% | 4,953 |
| Return on Equity (ROE) | 4.4605% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.3253% | 4,389 |
| Net charge-offs to loans | 0.0824% | 4,320 |
| Credit loss provision to net charge-offs | 294.1176% | 994 |
| Earnings coverage of net charge-offs (x) | 14.0588% | 1,738 |
| Efficiency ratio | 78.2990% | 2,422 |
| Assets per employee ($millions) | 5.5536% | 1,576 |
| Cash dividends to net income (ytd only)* | 25.4488% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 4,218 |
| Loan loss allowance to noncurrent loans | 107.7488% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 4,606 |
| Noncurrent loans to loans | 1.3530% | 3,897 |
| Net loans and leases to total assets | 58.7906% | 4,022 |
| Net loans and leases to deposits | 69.8099% | 3,921 |
| Net loans and leases to core deposits | 74.8215% | 3,916 |
| Total domestic deposits to total assets | 84.2152% | 4,226 |
| Equity capital to assets | 10.1978% | 4,055 |
| Core capital (leverage) ratio | 10.2029% | 3,141 |
| Tier 1 risk-based capital ratio | 15.4278% | 3,491 |
| Total risk-based capital ratio | 16.6788% | 3,453 |
| Memoranda: | ||
| Average total assets | $414,122,000 | 1,600 |
| Average earning assets | $386,176,330 | 1,568 |
| Average equity | $42,462,000 | 1,642 |
| Average total loans | $247,681,330 | 1,675 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 5,417 |
| Cost of funding earning assets | 0.9110% | 2,598 |
| Net interest margin | 3.1991% | 5,782 |
| Noninterest income to average assets | 0.1697% | 6,361 |
| Noninterest expense to average assets | 2.4372% | 5,350 |
| Loan and lease loss provision to assets | 0.1463% | 3,536 |
| Net operating income to assets | 0.3884% | 5,305 |
| Return on assets (ROA) | 0.4779% | 5,113 |
| Pretax return on assets | 0.6954% | 4,809 |
| Return on Equity (ROE) | 4.6476% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.8360% | 4,830 |
| Net charge-offs to loans | 0.1710% | 3,061 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 6.9524% | 2,135 |
| Efficiency ratio | 77.3924% | 2,587 |
| Assets per employee ($millions) | 5.6973% | 1,527 |
| Cash dividends to net income (ytd only)* | 38.9796% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 4,543 |
| Loan loss allowance to noncurrent loans | 163.3999% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 5,399 |
| Noncurrent loans to loans | 0.8659% | 4,937 |
| Net loans and leases to total assets | 58.9353% | 3,865 |
| Net loans and leases to deposits | 70.2669% | 3,697 |
| Net loans and leases to core deposits | 76.3420% | 3,578 |
| Total domestic deposits to total assets | 83.8735% | 4,560 |
| Equity capital to assets | 10.1546% | 3,909 |
| Core capital (leverage) ratio | 10.3847% | 2,891 |
| Tier 1 risk-based capital ratio | 15.2405% | 3,595 |
| Total risk-based capital ratio | 16.4943% | 3,559 |
| Memoranda: | ||
| Average total assets | $410,147,500 | 1,619 |
| Average earning assets | $381,986,500 | 1,589 |
| Average equity | $42,172,000 | 1,645 |
| Average total loans | $245,617,500 | 1,686 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 5,352 |
| Cost of funding earning assets | 1.0352% | 3,123 |
| Net interest margin | 3.3827% | 5,537 |
| Noninterest income to average assets | 0.2854% | 5,492 |
| Noninterest expense to average assets | 2.4127% | 5,739 |
| Loan and lease loss provision to assets | 0.2343% | 3,860 |
| Net operating income to assets | 0.5266% | 4,324 |
| Return on assets (ROA) | 0.5877% | 4,246 |
| Pretax return on assets | 0.8967% | 3,614 |
| Return on Equity (ROE) | 6.5463% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.5054% | 2,297 |
| Net charge-offs to loans | 0.0611% | 5,687 |
| Credit loss provision to net charge-offs | 610.3448% | 366 |
| Earnings coverage of net charge-offs (x) | 27.0483% | 918 |
| Efficiency ratio | 69.9118% | 3,980 |
| Assets per employee ($millions) | 5.8608% | 1,324 |
| Cash dividends to net income (ytd only)* | 15.9009% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 4,327 |
| Loan loss allowance to noncurrent loans | 216.3863% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 5,883 |
| Noncurrent loans to loans | 0.6616% | 5,379 |
| Net loans and leases to total assets | 59.1333% | 4,170 |
| Net loans and leases to deposits | 71.1961% | 3,918 |
| Net loans and leases to core deposits | 77.4013% | 3,760 |
| Total domestic deposits to total assets | 83.0569% | 4,726 |
| Equity capital to assets | 10.4133% | 3,637 |
| Core capital (leverage) ratio | 10.5865% | 2,631 |
| Tier 1 risk-based capital ratio | 15.9755% | 3,061 |
| Total risk-based capital ratio | 17.2265% | 3,019 |
| Memoranda: | ||
| Average total assets | $377,717,000 | 1,721 |
| Average earning assets | $353,472,400 | 1,676 |
| Average equity | $33,912,200 | 1,970 |
| Average total loans | $237,260,200 | 1,769 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 5,227 |
| Cost of funding earning assets | 1.0607% | 3,241 |
| Net interest margin | 3.4513% | 5,388 |
| Noninterest income to average assets | 0.2594% | 5,765 |
| Noninterest expense to average assets | 2.4320% | 5,685 |
| Loan and lease loss provision to assets | 0.1922% | 4,096 |
| Net operating income to assets | 0.5643% | 4,252 |
| Return on assets (ROA) | 0.6461% | 4,069 |
| Pretax return on assets | 0.9961% | 3,422 |
| Return on Equity (ROE) | 7.5238% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.1345% | 2,471 |
| Net charge-offs to loans | -0.0141% | 6,836 |
| Credit loss provision to net charge-offs | -2,140.0000% | 6,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5938% | 4,021 |
| Assets per employee ($millions) | 5.8107% | 1,339 |
| Cash dividends to net income (ytd only)* | 18.4652% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 4,710 |
| Loan loss allowance to noncurrent loans | 160.3994% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 5,736 |
| Noncurrent loans to loans | 0.8511% | 5,166 |
| Net loans and leases to total assets | 59.3382% | 4,268 |
| Net loans and leases to deposits | 71.4765% | 4,068 |
| Net loans and leases to core deposits | 78.7078% | 3,800 |
| Total domestic deposits to total assets | 83.0177% | 4,676 |
| Equity capital to assets | 10.4477% | 3,771 |
| Core capital (leverage) ratio | 10.8239% | 2,548 |
| Tier 1 risk-based capital ratio | 16.1484% | 3,037 |
| Total risk-based capital ratio | 17.3988% | 3,005 |
| Memoranda: | ||
| Average total assets | $371,047,500 | 1,754 |
| Average earning assets | $347,807,000 | 1,710 |
| Average equity | $31,862,500 | 2,085 |
| Average total loans | $235,924,000 | 1,792 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6814% | 4,615 |
| Cost of funding earning assets | 1.0953% | 3,280 |
| Net interest margin | 3.5861% | 4,768 |
| Noninterest income to average assets | 0.3207% | 5,334 |
| Noninterest expense to average assets | 2.5058% | 5,514 |
| Loan and lease loss provision to assets | 0.1717% | 4,210 |
| Net operating income to assets | 0.6503% | 3,795 |
| Return on assets (ROA) | 0.6503% | 3,921 |
| Pretax return on assets | 1.0036% | 3,223 |
| Return on Equity (ROE) | 8.2327% | 2,843 |
| Retained earnings to average equity (ytd only) | 7.0757% | 1,848 |
| Net charge-offs to loans | -0.0914% | 7,143 |
| Credit loss provision to net charge-offs | -289.7196% | 6,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0710% | 4,498 |
| Assets per employee ($millions) | 5.6206% | 1,469 |
| Cash dividends to net income (ytd only)* | 14.0545% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,931 |
| Loan loss allowance to noncurrent loans | 179.4872% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 5,856 |
| Noncurrent loans to loans | 0.7402% | 5,435 |
| Net loans and leases to total assets | 64.0348% | 3,451 |
| Net loans and leases to deposits | 74.7380% | 3,688 |
| Net loans and leases to core deposits | 82.0380% | 3,497 |
| Total domestic deposits to total assets | 85.6789% | 3,505 |
| Equity capital to assets | 8.0687% | 6,624 |
| Core capital (leverage) ratio | 7.9217% | 6,389 |
| Tier 1 risk-based capital ratio | 11.4968% | 6,169 |
| Total risk-based capital ratio | 12.7494% | 6,154 |
| Memoranda: | ||
| Average total assets | $361,083,000 | 1,818 |
| Average earning assets | $338,363,670 | 1,769 |
| Average equity | $28,520,330 | 2,280 |
| Average total loans | $234,164,000 | 1,824 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 4,469 |
| Cost of funding earning assets | 1.0961% | 3,552 |
| Net interest margin | 3.6163% | 4,500 |
| Noninterest income to average assets | 0.2552% | 5,856 |
| Noninterest expense to average assets | 2.5385% | 5,427 |
| Loan and lease loss provision to assets | 0.1783% | 3,836 |
| Net operating income to assets | 0.6040% | 4,012 |
| Return on assets (ROA) | 0.6040% | 4,079 |
| Pretax return on assets | 0.9282% | 3,404 |
| Return on Equity (ROE) | 7.7314% | 3,036 |
| Retained earnings to average equity (ytd only) | 5.6916% | 2,802 |
| Net charge-offs to loans | -0.0017% | 6,174 |
| Credit loss provision to net charge-offs | -16,000.0000% | 6,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6423% | 4,349 |
| Assets per employee ($millions) | 5.6302% | 1,466 |
| Cash dividends to net income (ytd only)* | 26.3838% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 5,508 |
| Loan loss allowance to noncurrent loans | 196.4698% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 6,086 |
| Noncurrent loans to loans | 0.6227% | 5,789 |
| Net loans and leases to total assets | 63.8503% | 3,459 |
| Net loans and leases to deposits | 74.9808% | 3,591 |
| Net loans and leases to core deposits | 82.3064% | 3,415 |
| Total domestic deposits to total assets | 85.1556% | 3,971 |
| Equity capital to assets | 7.7205% | 6,735 |
| Core capital (leverage) ratio | 7.9184% | 6,343 |
| Tier 1 risk-based capital ratio | 11.3039% | 6,254 |
| Total risk-based capital ratio | 12.4599% | 6,314 |
| Memoranda: | ||
| Average total assets | $358,956,500 | 1,832 |
| Average earning assets | $336,480,500 | 1,785 |
| Average equity | $28,041,500 | 2,297 |
| Average total loans | $232,700,000 | 1,850 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 4,707 |
| Cost of funding earning assets | 1.4566% | 2,918 |
| Net interest margin | 3.5110% | 5,203 |
| Noninterest income to average assets | 0.2176% | 6,249 |
| Noninterest expense to average assets | 2.6621% | 5,165 |
| Loan and lease loss provision to assets | 0.1795% | 5,423 |
| Net operating income to assets | 0.4450% | 4,338 |
| Return on assets (ROA) | 0.4683% | 4,402 |
| Pretax return on assets | 0.7089% | 3,946 |
| Return on Equity (ROE) | 5.8928% | 3,660 |
| Retained earnings to average equity (ytd only) | 4.8197% | 2,531 |
| Net charge-offs to loans | 0.0525% | 6,267 |
| Credit loss provision to net charge-offs | 521.7391% | 438 |
| Earnings coverage of net charge-offs (x) | 24.7913% | 852 |
| Efficiency ratio | 75.7300% | 3,088 |
| Assets per employee ($millions) | 5.5865% | 1,507 |
| Cash dividends to net income (ytd only)* | 18.2109% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,546 |
| Loan loss allowance to noncurrent loans | 226.0546% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 6,284 |
| Noncurrent loans to loans | 0.5283% | 5,991 |
| Net loans and leases to total assets | 64.2433% | 3,826 |
| Net loans and leases to deposits | 75.9823% | 3,841 |
| Net loans and leases to core deposits | 84.1665% | 3,570 |
| Total domestic deposits to total assets | 84.5504% | 4,085 |
| Equity capital to assets | 7.9071% | 6,577 |
| Core capital (leverage) ratio | 7.8124% | 6,427 |
| Tier 1 risk-based capital ratio | 11.2741% | 6,113 |
| Total risk-based capital ratio | 12.3803% | 6,205 |
| Memoranda: | ||
| Average total assets | $334,170,000 | 1,945 |
| Average earning assets | $313,874,400 | 1,889 |
| Average equity | $26,557,800 | 2,414 |
| Average total loans | $219,047,800 | 1,977 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 4,753 |
| Cost of funding earning assets | 1.5395% | 2,726 |
| Net interest margin | 3.4726% | 5,410 |
| Noninterest income to average assets | 0.2127% | 6,389 |
| Noninterest expense to average assets | 2.6814% | 4,957 |
| Loan and lease loss provision to assets | 0.1820% | 5,224 |
| Net operating income to assets | 0.4021% | 4,742 |
| Return on assets (ROA) | 0.4323% | 4,798 |
| Pretax return on assets | 0.6522% | 4,419 |
| Return on Equity (ROE) | 5.4318% | 4,068 |
| Retained earnings to average equity (ytd only) | 4.0904% | 3,596 |
| Net charge-offs to loans | 0.0406% | 6,138 |
| Credit loss provision to net charge-offs | 681.8182% | 431 |
| Earnings coverage of net charge-offs (x) | 29.5448% | 884 |
| Efficiency ratio | 77.2754% | 2,729 |
| Assets per employee ($millions) | 5.3234% | 1,803 |
| Cash dividends to net income (ytd only)* | 24.6959% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 5,555 |
| Loan loss allowance to noncurrent loans | 209.5541% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 6,375 |
| Noncurrent loans to loans | 0.5661% | 6,073 |
| Net loans and leases to total assets | 63.3606% | 4,243 |
| Net loans and leases to deposits | 75.2369% | 4,307 |
| Net loans and leases to core deposits | 81.1595% | 4,363 |
| Total domestic deposits to total assets | 84.2148% | 4,000 |
| Equity capital to assets | 8.0680% | 6,743 |
| Core capital (leverage) ratio | 7.9921% | 6,355 |
| Tier 1 risk-based capital ratio | 11.4259% | 5,996 |
| Total risk-based capital ratio | 12.5244% | 6,120 |
| Memoranda: | ||
| Average total assets | $329,724,750 | 2,001 |
| Average earning assets | $309,271,750 | 1,955 |
| Average equity | $26,240,000 | 2,478 |
| Average total loans | $216,600,250 | 2,027 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 4,567 |
| Cost of funding earning assets | 1.5989% | 2,662 |
| Net interest margin | 3.4793% | 5,327 |
| Noninterest income to average assets | 0.1912% | 6,529 |
| Noninterest expense to average assets | 2.7043% | 4,887 |
| Loan and lease loss provision to assets | 0.1850% | 5,019 |
| Net operating income to assets | 0.3755% | 4,871 |
| Return on assets (ROA) | 0.3916% | 4,948 |
| Pretax return on assets | 0.5884% | 4,599 |
| Return on Equity (ROE) | 4.9453% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.8706% | 3,623 |
| Net charge-offs to loans | 0.0624% | 5,517 |
| Credit loss provision to net charge-offs | 447.7612% | 809 |
| Earnings coverage of net charge-offs (x) | 18.1343% | 1,301 |
| Efficiency ratio | 78.3036% | 2,676 |
| Assets per employee ($millions) | 5.1413% | 1,999 |
| Cash dividends to net income (ytd only)* | 21.7323% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 5,782 |
| Loan loss allowance to noncurrent loans | 196.5927% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 6,355 |
| Noncurrent loans to loans | 0.5761% | 6,098 |
| Net loans and leases to total assets | 64.8064% | 4,084 |
| Net loans and leases to deposits | 76.4107% | 4,256 |
| Net loans and leases to core deposits | 82.6874% | 4,320 |
| Total domestic deposits to total assets | 84.8132% | 3,720 |
| Equity capital to assets | 8.1637% | 6,581 |
| Core capital (leverage) ratio | 8.1135% | 6,097 |
| Tier 1 risk-based capital ratio | 11.4411% | 5,834 |
| Total risk-based capital ratio | 12.5026% | 5,980 |
| Memoranda: | ||
| Average total assets | $324,292,670 | 2,045 |
| Average earning assets | $304,088,000 | 2,001 |
| Average equity | $25,681,000 | 2,519 |
| Average total loans | $214,842,670 | 2,082 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0696% | 4,677 |
| Cost of funding earning assets | 1.6466% | 2,672 |
| Net interest margin | 3.4230% | 5,489 |
| Noninterest income to average assets | 0.1829% | 6,645 |
| Noninterest expense to average assets | 2.6604% | 5,101 |
| Loan and lease loss provision to assets | 0.1879% | 4,624 |
| Net operating income to assets | 0.3632% | 5,007 |
| Return on assets (ROA) | 0.3632% | 5,133 |
| Pretax return on assets | 0.5399% | 4,820 |
| Return on Equity (ROE) | 4.6623% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.8134% | 4,444 |
| Net charge-offs to loans | -0.0094% | 6,882 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5213% | 2,811 |
| Assets per employee ($millions) | 5.1491% | 2,027 |
| Cash dividends to net income (ytd only)* | 39.6552% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 5,952 |
| Loan loss allowance to noncurrent loans | 225.2109% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 6,492 |
| Noncurrent loans to loans | 0.4937% | 6,311 |
| Net loans and leases to total assets | 65.8805% | 3,885 |
| Net loans and leases to deposits | 77.5278% | 4,123 |
| Net loans and leases to core deposits | 83.5338% | 4,266 |
| Total domestic deposits to total assets | 84.9766% | 3,687 |
| Equity capital to assets | 7.7036% | 6,930 |
| Core capital (leverage) ratio | 7.7227% | 6,599 |
| Tier 1 risk-based capital ratio | 10.5569% | 6,577 |
| Total risk-based capital ratio | 11.5844% | 6,781 |
| Memoranda: | ||
| Average total assets | $319,346,000 | 2,132 |
| Average earning assets | $299,035,500 | 2,082 |
| Average equity | $24,880,500 | 2,617 |
| Average total loans | $212,736,500 | 2,153 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5389% | 3,934 |
| Cost of funding earning assets | 2.0447% | 2,743 |
| Net interest margin | 3.4942% | 4,979 |
| Noninterest income to average assets | 0.2767% | 6,125 |
| Noninterest expense to average assets | 2.9459% | 4,358 |
| Loan and lease loss provision to assets | 0.2113% | 5,656 |
| Net operating income to assets | 0.2583% | 4,689 |
| Return on assets (ROA) | 0.2634% | 4,753 |
| Pretax return on assets | 0.3678% | 4,585 |
| Return on Equity (ROE) | 3.2258% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.2223% | 3,556 |
| Net charge-offs to loans | 0.2252% | 5,211 |
| Credit loss provision to net charge-offs | 134.4519% | 3,699 |
| Earnings coverage of net charge-offs (x) | 3.6398% | 3,261 |
| Efficiency ratio | 83.7381% | 2,384 |
| Assets per employee ($millions) | 5.1524% | 2,014 |
| Cash dividends to net income (ytd only)* | 31.1081% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 6,020 |
| Loan loss allowance to noncurrent loans | 539.0887% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 6,968 |
| Noncurrent loans to loans | 0.1992% | 6,926 |
| Net loans and leases to total assets | 65.8960% | 4,179 |
| Net loans and leases to deposits | 78.1411% | 4,339 |
| Net loans and leases to core deposits | 98.6760% | 4,158 |
| Total domestic deposits to total assets | 84.3295% | 3,873 |
| Equity capital to assets | 7.8814% | 6,693 |
| Core capital (leverage) ratio | 7.9994% | 6,196 |
| Tier 1 risk-based capital ratio | 10.7974% | 6,116 |
| Total risk-based capital ratio | 11.7860% | 6,338 |
| Memoranda: | ||
| Average total assets | $284,395,200 | 2,315 |
| Average earning assets | $263,806,000 | 2,294 |
| Average equity | $23,219,000 | 2,806 |
| Average total loans | $198,524,600 | 2,307 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6071% | 3,824 |
| Cost of funding earning assets | 2.1329% | 2,738 |
| Net interest margin | 3.4742% | 4,977 |
| Noninterest income to average assets | 0.2797% | 6,235 |
| Noninterest expense to average assets | 2.9659% | 4,183 |
| Loan and lease loss provision to assets | 0.2412% | 5,033 |
| Net operating income to assets | 0.2176% | 5,096 |
| Return on assets (ROA) | 0.2176% | 5,178 |
| Pretax return on assets | 0.2903% | 5,090 |
| Return on Equity (ROE) | 2.6396% | 4,936 |
| Retained earnings to average equity (ytd only) | 1.4074% | 4,532 |
| Net charge-offs to loans | 0.2771% | 4,307 |
| Credit loss provision to net charge-offs | 123.0958% | 4,105 |
| Earnings coverage of net charge-offs (x) | 2.7125% | 3,869 |
| Efficiency ratio | 84.8018% | 2,208 |
| Assets per employee ($millions) | 4.9807% | 2,171 |
| Cash dividends to net income (ytd only)* | 46.6822% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 5,832 |
| Loan loss allowance to noncurrent loans | 427.3438% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 6,915 |
| Noncurrent loans to loans | 0.2530% | 6,880 |
| Net loans and leases to total assets | 66.9836% | 4,187 |
| Net loans and leases to deposits | 80.1964% | 4,348 |
| Net loans and leases to core deposits | 101.3755% | 4,228 |
| Total domestic deposits to total assets | 83.5244% | 3,946 |
| Equity capital to assets | 8.2140% | 6,623 |
| Core capital (leverage) ratio | 8.2618% | 5,900 |
| Tier 1 risk-based capital ratio | 11.1950% | 5,762 |
| Total risk-based capital ratio | 12.2050% | 5,955 |
| Memoranda: | ||
| Average total assets | $276,919,750 | 2,387 |
| Average earning assets | $256,477,250 | 2,373 |
| Average equity | $22,831,000 | 2,872 |
| Average total loans | $195,816,500 | 2,361 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7144% | 3,458 |
| Cost of funding earning assets | 2.2108% | 2,744 |
| Net interest margin | 3.5035% | 4,780 |
| Noninterest income to average assets | 0.2715% | 6,330 |
| Noninterest expense to average assets | 2.9917% | 4,117 |
| Loan and lease loss provision to assets | 0.2233% | 4,800 |
| Net operating income to assets | 0.2144% | 5,207 |
| Return on assets (ROA) | 0.2144% | 5,288 |
| Pretax return on assets | 0.2834% | 5,241 |
| Return on Equity (ROE) | 2.5967% | 5,061 |
| Retained earnings to average equity (ytd only) | 1.6712% | 4,408 |
| Net charge-offs to loans | 0.0279% | 6,083 |
| Credit loss provision to net charge-offs | 1,114.8148% | 442 |
| Earnings coverage of net charge-offs (x) | 25.2963% | 1,123 |
| Efficiency ratio | 85.5174% | 2,286 |
| Assets per employee ($millions) | 4.8607% | 2,247 |
| Cash dividends to net income (ytd only)* | 35.6401% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,059 |
| Loan loss allowance to noncurrent loans | 114.5622% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 5,367 |
| Noncurrent loans to loans | 1.0322% | 5,153 |
| Net loans and leases to total assets | 70.1879% | 3,653 |
| Net loans and leases to deposits | 83.7687% | 3,926 |
| Net loans and leases to core deposits | 104.7684% | 3,982 |
| Total domestic deposits to total assets | 83.7877% | 3,881 |
| Equity capital to assets | 8.2771% | 6,374 |
| Core capital (leverage) ratio | 8.4347% | 5,558 |
| Tier 1 risk-based capital ratio | 10.8777% | 6,003 |
| Total risk-based capital ratio | 11.9811% | 6,097 |
| Memoranda: | ||
| Average total assets | $269,612,330 | 2,445 |
| Average earning assets | $248,321,670 | 2,454 |
| Average equity | $22,259,000 | 2,941 |
| Average total loans | $193,634,330 | 2,417 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7278% | 3,656 |
| Cost of funding earning assets | 2.2997% | 2,702 |
| Net interest margin | 3.4280% | 5,020 |
| Noninterest income to average assets | 0.2141% | 6,767 |
| Noninterest expense to average assets | 2.8832% | 4,216 |
| Loan and lease loss provision to assets | 0.1458% | 5,078 |
| Net operating income to assets | 0.2353% | 5,547 |
| Return on assets (ROA) | 0.2353% | 5,709 |
| Pretax return on assets | 0.3173% | 5,635 |
| Return on Equity (ROE) | 2.8544% | 5,423 |
| Retained earnings to average equity (ytd only) | 0.9576% | 5,265 |
| Net charge-offs to loans | -0.0126% | 7,327 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1615% | 2,047 |
| Assets per employee ($millions) | 4.6659% | 2,489 |
| Cash dividends to net income (ytd only)* | 66.4516% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 5,152 |
| Loan loss allowance to noncurrent loans | 92.2689% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1036% | 4,479 |
| Noncurrent loans to loans | 1.2420% | 4,483 |
| Net loans and leases to total assets | 71.2277% | 3,419 |
| Net loans and leases to deposits | 85.3913% | 3,736 |
| Net loans and leases to core deposits | 107.8591% | 3,703 |
| Total domestic deposits to total assets | 83.4133% | 3,947 |
| Equity capital to assets | 8.1619% | 6,585 |
| Core capital (leverage) ratio | 8.2016% | 6,099 |
| Tier 1 risk-based capital ratio | 10.8849% | 6,008 |
| Total risk-based capital ratio | 11.9789% | 6,066 |
| Memoranda: | ||
| Average total assets | $263,457,500 | 2,520 |
| Average earning assets | $240,722,000 | 2,528 |
| Average equity | $21,721,000 | 3,012 |
| Average total loans | $190,330,000 | 2,471 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1288% | 4,906 |
| Cost of funding earning assets | 2.8346% | 2,558 |
| Net interest margin | 3.2941% | 6,060 |
| Noninterest income to average assets | 0.2787% | 6,468 |
| Noninterest expense to average assets | 2.9010% | 4,446 |
| Loan and lease loss provision to assets | 0.1401% | 5,563 |
| Net operating income to assets | 0.2089% | 5,821 |
| Return on assets (ROA) | 0.2347% | 5,565 |
| Pretax return on assets | 0.3067% | 5,497 |
| Return on Equity (ROE) | 2.8402% | 5,290 |
| Retained earnings to average equity (ytd only) | 1.9594% | 4,011 |
| Net charge-offs to loans | 0.1571% | 4,629 |
| Credit loss provision to net charge-offs | 122.4490% | 4,387 |
| Earnings coverage of net charge-offs (x) | 3.6122% | 4,295 |
| Efficiency ratio | 87.5294% | 1,721 |
| Assets per employee ($millions) | 4.5783% | 2,503 |
| Cash dividends to net income (ytd only)* | 31.0116% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 5,218 |
| Loan loss allowance to noncurrent loans | 79.3482% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 3,770 |
| Noncurrent loans to loans | 1.3961% | 3,724 |
| Net loans and leases to total assets | 71.6341% | 3,667 |
| Net loans and leases to deposits | 86.6842% | 4,008 |
| Net loans and leases to core deposits | 107.2821% | 4,052 |
| Total domestic deposits to total assets | 82.6380% | 3,930 |
| Equity capital to assets | 8.3288% | 6,374 |
| Core capital (leverage) ratio | 8.4390% | 5,679 |
| Tier 1 risk-based capital ratio | 11.0857% | 5,656 |
| Total risk-based capital ratio | 12.1515% | 5,730 |
| Memoranda: | ||
| Average total assets | $256,947,800 | 2,492 |
| Average earning assets | $236,784,200 | 2,482 |
| Average equity | $21,230,800 | 3,073 |
| Average total loans | $187,146,000 | 2,430 |