Home > Independence Bank > Performance and Condition Ratios
Independence Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2147% | 509 |
| Cost of funding earning assets | 0.3902% | 3,790 |
| Net interest margin | 4.8246% | 415 |
| Noninterest income to average assets | 0.8945% | 1,514 |
| Noninterest expense to average assets | 4.2680% | 563 |
| Loan and lease loss provision to assets | 0.0581% | 3,378 |
| Net operating income to assets | 0.7635% | 3,548 |
| Return on assets (ROA) | 0.7715% | 3,607 |
| Pretax return on assets | 1.0678% | 3,218 |
| Return on Equity (ROE) | 6.6437% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.6437% | 1,575 |
| Net charge-offs to loans | 0.1551% | 2,482 |
| Credit loss provision to net charge-offs | 48.1250% | 3,523 |
| Earnings coverage of net charge-offs (x) | 9.2333% | 2,776 |
| Efficiency ratio | 78.3224% | 2,159 |
| Assets per employee ($millions) | 5.1604% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 4,378 |
| Loan loss allowance to noncurrent loans | 111.9184% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 3,154 |
| Noncurrent loans to loans | 1.0118% | 2,805 |
| Net loans and leases to total assets | 80.4046% | 688 |
| Net loans and leases to deposits | 98.3756% | 733 |
| Net loans and leases to core deposits | 101.8720% | 1,257 |
| Total domestic deposits to total assets | 81.7323% | 4,511 |
| Equity capital to assets | 11.6334% | 2,315 |
| Core capital (leverage) ratio | 11.1385% | 2,273 |
| Tier 1 risk-based capital ratio | 12.4376% | 5,071 |
| Total risk-based capital ratio | 13.4679% | 5,127 |
| Memoranda: | ||
| Average total assets | $397,560,400 | 1,655 |
| Average earning assets | $369,856,600 | 1,632 |
| Average equity | $46,164,200 | 1,554 |
| Average total loans | $309,426,400 | 1,387 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 462 |
| Cost of funding earning assets | 0.3943% | 3,851 |
| Net interest margin | 4.8724% | 361 |
| Noninterest income to average assets | 0.9939% | 1,241 |
| Noninterest expense to average assets | 4.4131% | 502 |
| Loan and lease loss provision to assets | 0.0341% | 3,720 |
| Net operating income to assets | 0.8628% | 3,111 |
| Return on assets (ROA) | 0.8750% | 3,144 |
| Pretax return on assets | 1.0809% | 3,263 |
| Return on Equity (ROE) | 7.5390% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.5390% | 1,564 |
| Net charge-offs to loans | 0.1401% | 2,395 |
| Credit loss provision to net charge-offs | 31.6456% | 3,430 |
| Earnings coverage of net charge-offs (x) | 10.2121% | 2,571 |
| Efficiency ratio | 79.1146% | 2,036 |
| Assets per employee ($millions) | 5.1352% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 4,488 |
| Loan loss allowance to noncurrent loans | 168.7419% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 4,223 |
| Noncurrent loans to loans | 0.6827% | 3,899 |
| Net loans and leases to total assets | 79.1180% | 821 |
| Net loans and leases to deposits | 94.1187% | 1,033 |
| Net loans and leases to core deposits | 96.6509% | 1,621 |
| Total domestic deposits to total assets | 84.0619% | 3,732 |
| Equity capital to assets | 11.3431% | 2,636 |
| Core capital (leverage) ratio | 11.0249% | 2,460 |
| Tier 1 risk-based capital ratio | 12.1645% | 5,392 |
| Total risk-based capital ratio | 13.2083% | 5,428 |
| Memoranda: | ||
| Average total assets | $391,162,750 | 1,689 |
| Average earning assets | $362,796,000 | 1,669 |
| Average equity | $45,398,500 | 1,585 |
| Average total loans | $300,750,500 | 1,427 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 435 |
| Cost of funding earning assets | 0.4069% | 3,802 |
| Net interest margin | 4.8844% | 351 |
| Noninterest income to average assets | 1.3693% | 644 |
| Noninterest expense to average assets | 4.9205% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9055% | 2,776 |
| Return on assets (ROA) | 0.9271% | 2,777 |
| Pretax return on assets | 0.9951% | 3,496 |
| Return on Equity (ROE) | 7.9206% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.9206% | 1,352 |
| Net charge-offs to loans | 0.1288% | 2,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.9676% | 2,294 |
| Efficiency ratio | 82.6655% | 1,673 |
| Assets per employee ($millions) | 4.9152% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 4,214 |
| Loan loss allowance to noncurrent loans | 121.3607% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 3,167 |
| Noncurrent loans to loans | 1.0225% | 3,188 |
| Net loans and leases to total assets | 77.2502% | 1,015 |
| Net loans and leases to deposits | 92.5005% | 1,096 |
| Net loans and leases to core deposits | 94.5962% | 1,729 |
| Total domestic deposits to total assets | 83.5133% | 4,102 |
| Equity capital to assets | 11.5602% | 2,366 |
| Core capital (leverage) ratio | 11.1201% | 2,315 |
| Tier 1 risk-based capital ratio | 12.5898% | 5,164 |
| Total risk-based capital ratio | 13.6811% | 5,197 |
| Memoranda: | ||
| Average total assets | $379,476,000 | 1,734 |
| Average earning assets | $351,406,000 | 1,712 |
| Average equity | $44,415,670 | 1,611 |
| Average total loans | $287,284,330 | 1,491 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 778 |
| Cost of funding earning assets | 0.4243% | 3,710 |
| Net interest margin | 4.5371% | 614 |
| Noninterest income to average assets | 2.0721% | 319 |
| Noninterest expense to average assets | 5.9162% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8477% | 2,906 |
| Return on assets (ROA) | 0.8510% | 2,963 |
| Pretax return on assets | 0.3636% | 5,562 |
| Return on Equity (ROE) | 7.2207% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.2207% | 1,932 |
| Net charge-offs to loans | -0.0486% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2593% | 737 |
| Assets per employee ($millions) | 4.4573% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 3,963 |
| Loan loss allowance to noncurrent loans | 94.1216% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 2,803 |
| Noncurrent loans to loans | 1.4123% | 2,668 |
| Net loans and leases to total assets | 74.0388% | 1,258 |
| Net loans and leases to deposits | 91.8382% | 966 |
| Net loans and leases to core deposits | 93.8024% | 1,567 |
| Total domestic deposits to total assets | 80.6187% | 5,346 |
| Equity capital to assets | 10.8922% | 2,833 |
| Core capital (leverage) ratio | 10.8478% | 2,544 |
| Tier 1 risk-based capital ratio | 12.4604% | 5,339 |
| Total risk-based capital ratio | 13.6465% | 5,309 |
| Memoranda: | ||
| Average total assets | $365,234,000 | 1,797 |
| Average earning assets | $338,450,500 | 1,782 |
| Average equity | $43,043,000 | 1,650 |
| Average total loans | $271,371,500 | 1,573 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 1,464 |
| Cost of funding earning assets | 0.4629% | 3,989 |
| Net interest margin | 4.2809% | 1,152 |
| Noninterest income to average assets | 0.2969% | 5,228 |
| Noninterest expense to average assets | 3.3974% | 1,885 |
| Loan and lease loss provision to assets | 0.0169% | 4,794 |
| Net operating income to assets | 0.6390% | 4,080 |
| Return on assets (ROA) | 0.6390% | 4,182 |
| Pretax return on assets | 0.8872% | 3,817 |
| Return on Equity (ROE) | 4.7302% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.7302% | 2,788 |
| Net charge-offs to loans | -0.0358% | 6,259 |
| Credit loss provision to net charge-offs | -66.6667% | 5,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9808% | 2,321 |
| Assets per employee ($millions) | 5.0239% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 2,018 |
| Loan loss allowance to noncurrent loans | 2,899.3007% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 5,447 |
| Noncurrent loans to loans | 0.0626% | 6,040 |
| Net loans and leases to total assets | 71.9804% | 1,680 |
| Net loans and leases to deposits | 97.2842% | 641 |
| Net loans and leases to core deposits | 99.7313% | 1,176 |
| Total domestic deposits to total assets | 73.9898% | 6,281 |
| Equity capital to assets | 12.9860% | 1,278 |
| Core capital (leverage) ratio | 13.1645% | 1,075 |
| Tier 1 risk-based capital ratio | 16.3907% | 2,907 |
| Total risk-based capital ratio | 17.6462% | 2,858 |
| Memoranda: | ||
| Average total assets | $296,083,600 | 2,166 |
| Average earning assets | $276,974,200 | 2,130 |
| Average equity | $39,998,600 | 1,743 |
| Average total loans | $209,510,600 | 1,931 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 1,664 |
| Cost of funding earning assets | 0.4613% | 4,157 |
| Net interest margin | 4.2140% | 1,292 |
| Noninterest income to average assets | 0.1697% | 6,168 |
| Noninterest expense to average assets | 3.3023% | 2,077 |
| Loan and lease loss provision to assets | 0.0228% | 4,549 |
| Net operating income to assets | 0.5813% | 4,422 |
| Return on assets (ROA) | 0.5813% | 4,552 |
| Pretax return on assets | 0.7793% | 4,379 |
| Return on Equity (ROE) | 4.2587% | 5,096 |
| Retained earnings to average equity (ytd only) | 4.2587% | 3,652 |
| Net charge-offs to loans | -0.0293% | 6,156 |
| Credit loss provision to net charge-offs | -111.1111% | 5,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4580% | 2,034 |
| Assets per employee ($millions) | 5.1962% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 2,061 |
| Loan loss allowance to noncurrent loans | 102.4645% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 2.1166% | 1,887 |
| Noncurrent loans to loans | 1.8348% | 2,456 |
| Net loans and leases to total assets | 68.9020% | 2,156 |
| Net loans and leases to deposits | 94.4662% | 802 |
| Net loans and leases to core deposits | 97.4024% | 1,279 |
| Total domestic deposits to total assets | 72.9382% | 6,439 |
| Equity capital to assets | 12.7503% | 1,449 |
| Core capital (leverage) ratio | 13.8839% | 897 |
| Tier 1 risk-based capital ratio | 16.8351% | 2,784 |
| Total risk-based capital ratio | 18.0912% | 2,735 |
| Memoranda: | ||
| Average total assets | $292,234,000 | 2,206 |
| Average earning assets | $272,861,750 | 2,164 |
| Average equity | $39,886,000 | 1,758 |
| Average total loans | $204,800,250 | 1,978 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 1,473 |
| Cost of funding earning assets | 0.4841% | 4,045 |
| Net interest margin | 4.2514% | 1,137 |
| Noninterest income to average assets | 0.1666% | 6,219 |
| Noninterest expense to average assets | 3.4061% | 1,806 |
| Loan and lease loss provision to assets | 0.0350% | 4,245 |
| Net operating income to assets | 0.5698% | 4,453 |
| Return on assets (ROA) | 0.5698% | 4,627 |
| Pretax return on assets | 0.7091% | 4,657 |
| Return on Equity (ROE) | 4.0771% | 5,188 |
| Retained earnings to average equity (ytd only) | 4.0771% | 3,698 |
| Net charge-offs to loans | -0.0250% | 6,046 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0712% | 1,881 |
| Assets per employee ($millions) | 4.7875% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 1,477 |
| Loan loss allowance to noncurrent loans | 76.9202% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 2.8476% | 1,444 |
| Noncurrent loans to loans | 2.8265% | 1,598 |
| Net loans and leases to total assets | 66.3734% | 2,526 |
| Net loans and leases to deposits | 97.3515% | 585 |
| Net loans and leases to core deposits | 100.8002% | 1,024 |
| Total domestic deposits to total assets | 68.1791% | 6,713 |
| Equity capital to assets | 14.2574% | 890 |
| Core capital (leverage) ratio | 14.3990% | 726 |
| Tier 1 risk-based capital ratio | 18.6672% | 2,095 |
| Total risk-based capital ratio | 19.9259% | 2,056 |
| Memoranda: | ||
| Average total assets | $285,721,330 | 2,249 |
| Average earning assets | $267,725,000 | 2,207 |
| Average equity | $39,930,670 | 1,763 |
| Average total loans | $200,089,330 | 2,011 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 1,240 |
| Cost of funding earning assets | 0.5381% | 3,695 |
| Net interest margin | 4.2873% | 990 |
| Noninterest income to average assets | 0.1601% | 6,305 |
| Noninterest expense to average assets | 3.3298% | 2,011 |
| Loan and lease loss provision to assets | 0.0690% | 3,480 |
| Net operating income to assets | 0.6792% | 3,786 |
| Return on assets (ROA) | 0.6792% | 3,940 |
| Pretax return on assets | 0.7869% | 4,223 |
| Return on Equity (ROE) | 4.9075% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.9075% | 3,294 |
| Net charge-offs to loans | -0.0427% | 6,065 |
| Credit loss provision to net charge-offs | -227.2727% | 5,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5515% | 2,395 |
| Assets per employee ($millions) | 5.0966% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0661% | 1,877 |
| Loan loss allowance to noncurrent loans | 57.5425% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 3.2071% | 1,361 |
| Noncurrent loans to loans | 3.5906% | 1,328 |
| Net loans and leases to total assets | 69.2105% | 1,798 |
| Net loans and leases to deposits | 96.4815% | 514 |
| Net loans and leases to core deposits | 99.9253% | 954 |
| Total domestic deposits to total assets | 71.7345% | 6,672 |
| Equity capital to assets | 14.3661% | 913 |
| Core capital (leverage) ratio | 13.7087% | 869 |
| Tier 1 risk-based capital ratio | 17.8733% | 2,421 |
| Total risk-based capital ratio | 19.1308% | 2,379 |
| Memoranda: | ||
| Average total assets | $289,745,500 | 2,253 |
| Average earning assets | $272,058,000 | 2,203 |
| Average equity | $40,101,500 | 1,769 |
| Average total loans | $205,935,500 | 1,972 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1976% | 1,118 |
| Cost of funding earning assets | 0.8000% | 2,668 |
| Net interest margin | 4.3976% | 1,163 |
| Noninterest income to average assets | -0.0149% | 6,858 |
| Noninterest expense to average assets | 3.3196% | 2,277 |
| Loan and lease loss provision to assets | 0.0458% | 5,269 |
| Net operating income to assets | 0.4926% | 4,717 |
| Return on assets (ROA) | 0.5106% | 4,908 |
| Pretax return on assets | 0.7533% | 4,468 |
| Return on Equity (ROE) | 3.8935% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.8935% | 3,455 |
| Net charge-offs to loans | 0.3778% | 2,740 |
| Credit loss provision to net charge-offs | 16.6256% | 5,321 |
| Earnings coverage of net charge-offs (x) | 2.8067% | 4,026 |
| Efficiency ratio | 81.1200% | 1,995 |
| Assets per employee ($millions) | 5.7534% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 2,348 |
| Loan loss allowance to noncurrent loans | 53.9659% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.1179% | 1,510 |
| Noncurrent loans to loans | 3.4855% | 1,435 |
| Net loans and leases to total assets | 70.1091% | 1,821 |
| Net loans and leases to deposits | 96.8093% | 573 |
| Net loans and leases to core deposits | 100.2485% | 1,009 |
| Total domestic deposits to total assets | 72.4198% | 6,668 |
| Equity capital to assets | 13.3476% | 1,287 |
| Core capital (leverage) ratio | 13.6006% | 913 |
| Tier 1 risk-based capital ratio | 16.7074% | 2,787 |
| Total risk-based capital ratio | 17.9633% | 2,757 |
| Memoranda: | ||
| Average total assets | $294,971,000 | 2,173 |
| Average earning assets | $275,490,800 | 2,126 |
| Average equity | $38,680,200 | 1,799 |
| Average total loans | $214,905,400 | 1,885 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2346% | 1,131 |
| Cost of funding earning assets | 0.8632% | 2,440 |
| Net interest margin | 4.3714% | 1,274 |
| Noninterest income to average assets | 0.2785% | 5,548 |
| Noninterest expense to average assets | 3.3301% | 2,184 |
| Loan and lease loss provision to assets | 0.1973% | 3,110 |
| Net operating income to assets | 0.5509% | 4,620 |
| Return on assets (ROA) | 0.5689% | 4,798 |
| Pretax return on assets | 0.8560% | 4,275 |
| Return on Equity (ROE) | 4.3578% | 5,120 |
| Retained earnings to average equity (ytd only) | 4.3578% | 3,825 |
| Net charge-offs to loans | 0.4027% | 2,487 |
| Credit loss provision to net charge-offs | 66.9231% | 3,984 |
| Earnings coverage of net charge-offs (x) | 3.4800% | 3,626 |
| Efficiency ratio | 76.4449% | 2,603 |
| Assets per employee ($millions) | 5.3750% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0881% | 1,937 |
| Loan loss allowance to noncurrent loans | 66.4247% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 3.1848% | 1,616 |
| Noncurrent loans to loans | 3.1436% | 1,761 |
| Net loans and leases to total assets | 71.1055% | 1,709 |
| Net loans and leases to deposits | 106.7414% | 224 |
| Net loans and leases to core deposits | 111.5902% | 516 |
| Total domestic deposits to total assets | 66.6147% | 6,962 |
| Equity capital to assets | 13.4128% | 1,386 |
| Core capital (leverage) ratio | 13.2006% | 1,112 |
| Tier 1 risk-based capital ratio | 16.4118% | 3,053 |
| Total risk-based capital ratio | 17.6698% | 3,011 |
| Memoranda: | ||
| Average total assets | $293,919,250 | 2,200 |
| Average earning assets | $274,167,000 | 2,168 |
| Average equity | $38,367,000 | 1,829 |
| Average total loans | $215,188,750 | 1,896 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 982 |
| Cost of funding earning assets | 0.8975% | 2,421 |
| Net interest margin | 4.4361% | 1,116 |
| Noninterest income to average assets | 0.3375% | 5,129 |
| Noninterest expense to average assets | 3.3850% | 2,067 |
| Loan and lease loss provision to assets | 0.2966% | 2,208 |
| Net operating income to assets | 0.5254% | 4,698 |
| Return on assets (ROA) | 0.5359% | 4,927 |
| Pretax return on assets | 0.8031% | 4,465 |
| Return on Equity (ROE) | 4.1435% | 5,203 |
| Retained earnings to average equity (ytd only) | 4.1435% | 3,854 |
| Net charge-offs to loans | 0.6213% | 1,769 |
| Credit loss provision to net charge-offs | 65.0224% | 3,690 |
| Earnings coverage of net charge-offs (x) | 2.3767% | 3,812 |
| Efficiency ratio | 75.7437% | 2,779 |
| Assets per employee ($millions) | 5.1056% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0994% | 2,004 |
| Loan loss allowance to noncurrent loans | 91.7575% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 2.5432% | 2,197 |
| Noncurrent loans to loans | 2.2879% | 2,629 |
| Net loans and leases to total assets | 70.2987% | 1,868 |
| Net loans and leases to deposits | 104.3144% | 273 |
| Net loans and leases to core deposits | 109.1907% | 606 |
| Total domestic deposits to total assets | 67.3911% | 7,017 |
| Equity capital to assets | 13.0529% | 1,492 |
| Core capital (leverage) ratio | 13.1560% | 1,107 |
| Tier 1 risk-based capital ratio | 16.1920% | 3,073 |
| Total risk-based capital ratio | 17.4501% | 3,032 |
| Memoranda: | ||
| Average total assets | $293,350,000 | 2,200 |
| Average earning assets | $273,211,000 | 2,169 |
| Average equity | $37,938,670 | 1,841 |
| Average total loans | $215,355,000 | 1,898 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 840 |
| Cost of funding earning assets | 0.9367% | 2,396 |
| Net interest margin | 4.5092% | 994 |
| Noninterest income to average assets | 0.2192% | 6,045 |
| Noninterest expense to average assets | 3.4443% | 1,899 |
| Loan and lease loss provision to assets | 0.2055% | 2,899 |
| Net operating income to assets | 0.5069% | 4,797 |
| Return on assets (ROA) | 0.5069% | 5,007 |
| Pretax return on assets | 0.7576% | 4,578 |
| Return on Equity (ROE) | 3.9381% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.9381% | 4,221 |
| Net charge-offs to loans | 0.9413% | 1,100 |
| Credit loss provision to net charge-offs | 29.4118% | 3,630 |
| Earnings coverage of net charge-offs (x) | 1.3784% | 3,638 |
| Efficiency ratio | 78.1473% | 2,476 |
| Assets per employee ($millions) | 5.0830% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 2,191 |
| Loan loss allowance to noncurrent loans | 84.7597% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.8568% | 2,043 |
| Noncurrent loans to loans | 2.4314% | 2,675 |
| Net loans and leases to total assets | 71.1543% | 1,541 |
| Net loans and leases to deposits | 102.1176% | 303 |
| Net loans and leases to core deposits | 107.2511% | 631 |
| Total domestic deposits to total assets | 69.6788% | 6,998 |
| Equity capital to assets | 13.1039% | 1,398 |
| Core capital (leverage) ratio | 12.8773% | 1,175 |
| Tier 1 risk-based capital ratio | 15.8818% | 3,228 |
| Total risk-based capital ratio | 17.1398% | 3,197 |
| Memoranda: | ||
| Average total assets | $291,962,500 | 2,229 |
| Average earning assets | $271,179,000 | 2,190 |
| Average equity | $37,581,500 | 1,854 |
| Average total loans | $216,714,500 | 1,885 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6628% | 842 |
| Cost of funding earning assets | 1.2381% | 1,798 |
| Net interest margin | 4.4248% | 1,330 |
| Noninterest income to average assets | -0.4416% | 7,249 |
| Noninterest expense to average assets | 3.2743% | 2,605 |
| Loan and lease loss provision to assets | 0.1292% | 4,997 |
| Net operating income to assets | 0.4009% | 4,859 |
| Return on assets (ROA) | 0.4610% | 4,792 |
| Pretax return on assets | 0.3505% | 5,424 |
| Return on Equity (ROE) | 3.9567% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.9567% | 3,379 |
| Net charge-offs to loans | 0.5961% | 2,661 |
| Credit loss provision to net charge-offs | 27.7778% | 5,814 |
| Earnings coverage of net charge-offs (x) | 0.9021% | 5,132 |
| Efficiency ratio | 88.6401% | 1,306 |
| Assets per employee ($millions) | 5.0723% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 1,982 |
| Loan loss allowance to noncurrent loans | 98.1818% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 2.6180% | 2,323 |
| Noncurrent loans to loans | 2.1464% | 3,014 |
| Net loans and leases to total assets | 74.1813% | 1,242 |
| Net loans and leases to deposits | 104.5552% | 293 |
| Net loans and leases to core deposits | 115.1349% | 461 |
| Total domestic deposits to total assets | 70.9494% | 6,938 |
| Equity capital to assets | 12.6437% | 1,708 |
| Core capital (leverage) ratio | 12.5739% | 1,318 |
| Tier 1 risk-based capital ratio | 15.1666% | 3,534 |
| Total risk-based capital ratio | 16.4261% | 3,494 |
| Memoranda: | ||
| Average total assets | $309,561,000 | 2,068 |
| Average earning assets | $289,324,400 | 2,028 |
| Average equity | $36,065,800 | 1,886 |
| Average total loans | $241,564,400 | 1,731 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7224% | 817 |
| Cost of funding earning assets | 1.2722% | 1,851 |
| Net interest margin | 4.4502% | 1,278 |
| Noninterest income to average assets | 0.1566% | 6,477 |
| Noninterest expense to average assets | 3.1682% | 2,932 |
| Loan and lease loss provision to assets | 0.1383% | 4,711 |
| Net operating income to assets | 0.6403% | 3,920 |
| Return on assets (ROA) | 0.6760% | 3,913 |
| Pretax return on assets | 1.0712% | 3,123 |
| Return on Equity (ROE) | 5.9207% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.9207% | 2,601 |
| Net charge-offs to loans | 0.5670% | 2,542 |
| Credit loss provision to net charge-offs | 31.0411% | 5,398 |
| Earnings coverage of net charge-offs (x) | 2.5902% | 3,820 |
| Efficiency ratio | 73.3045% | 3,312 |
| Assets per employee ($millions) | 5.3720% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1709% | 1,919 |
| Loan loss allowance to noncurrent loans | 238.6299% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 2.2561% | 2,833 |
| Noncurrent loans to loans | 0.9097% | 5,047 |
| Net loans and leases to total assets | 75.1374% | 1,121 |
| Net loans and leases to deposits | 103.2632% | 341 |
| Net loans and leases to core deposits | 121.4931% | 351 |
| Total domestic deposits to total assets | 72.7630% | 6,872 |
| Equity capital to assets | 12.3806% | 1,982 |
| Core capital (leverage) ratio | 12.2226% | 1,581 |
| Tier 1 risk-based capital ratio | 14.9872% | 3,667 |
| Total risk-based capital ratio | 16.2471% | 3,631 |
| Memoranda: | ||
| Average total assets | $313,402,750 | 2,054 |
| Average earning assets | $293,343,750 | 2,005 |
| Average equity | $35,783,000 | 1,892 |
| Average total loans | $246,221,750 | 1,712 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 972 |
| Cost of funding earning assets | 1.2947% | 1,969 |
| Net interest margin | 4.3519% | 1,506 |
| Noninterest income to average assets | 0.1751% | 6,409 |
| Noninterest expense to average assets | 3.1273% | 3,153 |
| Loan and lease loss provision to assets | 0.0630% | 5,513 |
| Net operating income to assets | 0.6744% | 3,671 |
| Return on assets (ROA) | 0.6744% | 3,789 |
| Pretax return on assets | 1.0680% | 2,976 |
| Return on Equity (ROE) | 6.0687% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.0687% | 2,382 |
| Net charge-offs to loans | 0.1059% | 4,627 |
| Credit loss provision to net charge-offs | 75.1880% | 3,908 |
| Earnings coverage of net charge-offs (x) | 13.5038% | 1,539 |
| Efficiency ratio | 73.4398% | 3,474 |
| Assets per employee ($millions) | 5.8529% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3293% | 1,701 |
| Loan loss allowance to noncurrent loans | 63.6506% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 3.1002% | 2,168 |
| Noncurrent loans to loans | 3.6595% | 1,919 |
| Net loans and leases to total assets | 77.1160% | 897 |
| Net loans and leases to deposits | 104.2967% | 308 |
| Net loans and leases to core deposits | 123.2596% | 358 |
| Total domestic deposits to total assets | 73.9390% | 6,847 |
| Equity capital to assets | 11.6559% | 2,360 |
| Core capital (leverage) ratio | 11.4248% | 1,957 |
| Tier 1 risk-based capital ratio | 13.8168% | 4,294 |
| Total risk-based capital ratio | 15.0789% | 4,257 |
| Memoranda: | ||
| Average total assets | $317,592,670 | 2,034 |
| Average earning assets | $297,987,330 | 1,984 |
| Average equity | $35,295,670 | 1,899 |
| Average total loans | $251,277,670 | 1,705 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5805% | 1,092 |
| Cost of funding earning assets | 1.3360% | 1,975 |
| Net interest margin | 4.2445% | 1,771 |
| Noninterest income to average assets | 0.0685% | 7,047 |
| Noninterest expense to average assets | 2.9954% | 3,659 |
| Loan and lease loss provision to assets | 0.0622% | 5,212 |
| Net operating income to assets | 0.5976% | 4,041 |
| Return on assets (ROA) | 0.5976% | 4,108 |
| Pretax return on assets | 0.9860% | 3,175 |
| Return on Equity (ROE) | 5.5070% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.5070% | 2,908 |
| Net charge-offs to loans | 0.1871% | 3,377 |
| Credit loss provision to net charge-offs | 42.0168% | 3,905 |
| Earnings coverage of net charge-offs (x) | 7.0756% | 2,001 |
| Efficiency ratio | 74.0764% | 3,500 |
| Assets per employee ($millions) | 6.3967% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 1,844 |
| Loan loss allowance to noncurrent loans | 78.1284% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 4.0827% | 1,638 |
| Noncurrent loans to loans | 2.8897% | 2,601 |
| Net loans and leases to total assets | 76.7371% | 919 |
| Net loans and leases to deposits | 100.8009% | 428 |
| Net loans and leases to core deposits | 119.0948% | 442 |
| Total domestic deposits to total assets | 76.1275% | 6,650 |
| Equity capital to assets | 11.0272% | 2,660 |
| Core capital (leverage) ratio | 11.0134% | 2,181 |
| Tier 1 risk-based capital ratio | 12.9258% | 4,879 |
| Total risk-based capital ratio | 14.1861% | 4,860 |
| Memoranda: | ||
| Average total assets | $321,287,500 | 2,028 |
| Average earning assets | $300,906,000 | 1,982 |
| Average equity | $34,865,000 | 1,901 |
| Average total loans | $254,456,000 | 1,701 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7401% | 1,437 |
| Cost of funding earning assets | 1.7486% | 1,381 |
| Net interest margin | 3.9915% | 3,055 |
| Noninterest income to average assets | 0.2322% | 6,140 |
| Noninterest expense to average assets | 3.2316% | 2,973 |
| Loan and lease loss provision to assets | 0.2462% | 4,826 |
| Net operating income to assets | 0.2614% | 5,068 |
| Return on assets (ROA) | 0.3569% | 4,878 |
| Pretax return on assets | 0.6398% | 4,201 |
| Return on Equity (ROE) | 3.6439% | 4,676 |
| Retained earnings to average equity (ytd only) | 3.6439% | 3,313 |
| Net charge-offs to loans | 0.5308% | 3,500 |
| Credit loss provision to net charge-offs | 57.7975% | 6,120 |
| Earnings coverage of net charge-offs (x) | 1.7298% | 4,420 |
| Efficiency ratio | 81.4331% | 2,233 |
| Assets per employee ($millions) | 6.7237% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2257% | 1,830 |
| Loan loss allowance to noncurrent loans | 56.8175% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 4.0014% | 1,701 |
| Noncurrent loans to loans | 3.9172% | 1,867 |
| Net loans and leases to total assets | 78.1040% | 930 |
| Net loans and leases to deposits | 104.4144% | 385 |
| Net loans and leases to core deposits | 120.6640% | 514 |
| Total domestic deposits to total assets | 74.8019% | 6,794 |
| Equity capital to assets | 10.6777% | 2,984 |
| Core capital (leverage) ratio | 10.6547% | 2,410 |
| Tier 1 risk-based capital ratio | 12.8358% | 4,740 |
| Total risk-based capital ratio | 14.0963% | 4,699 |
| Memoranda: | ||
| Average total assets | $343,240,000 | 1,905 |
| Average earning assets | $321,284,600 | 1,853 |
| Average equity | $33,617,800 | 1,963 |
| Average total loans | $275,426,000 | 1,625 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7856% | 1,442 |
| Cost of funding earning assets | 1.8236% | 1,329 |
| Net interest margin | 3.9620% | 3,282 |
| Noninterest income to average assets | 0.2354% | 6,203 |
| Noninterest expense to average assets | 2.9149% | 4,027 |
| Loan and lease loss provision to assets | 0.3732% | 3,656 |
| Net operating income to assets | 0.3691% | 4,890 |
| Return on assets (ROA) | 0.4593% | 4,673 |
| Pretax return on assets | 0.7926% | 3,938 |
| Return on Equity (ROE) | 4.7893% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.7893% | 3,139 |
| Net charge-offs to loans | 0.6914% | 2,691 |
| Credit loss provision to net charge-offs | 67.1950% | 5,497 |
| Earnings coverage of net charge-offs (x) | 1.8456% | 4,327 |
| Efficiency ratio | 73.9848% | 3,328 |
| Assets per employee ($millions) | 6.5509% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2193% | 1,766 |
| Loan loss allowance to noncurrent loans | 63.4265% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 4.7316% | 1,396 |
| Noncurrent loans to loans | 3.4990% | 2,266 |
| Net loans and leases to total assets | 77.5306% | 1,117 |
| Net loans and leases to deposits | 100.9258% | 591 |
| Net loans and leases to core deposits | 117.9209% | 686 |
| Total domestic deposits to total assets | 76.8194% | 6,522 |
| Equity capital to assets | 10.3079% | 3,756 |
| Core capital (leverage) ratio | 10.1131% | 3,133 |
| Tier 1 risk-based capital ratio | 12.4233% | 5,060 |
| Total risk-based capital ratio | 13.6840% | 5,016 |
| Memoranda: | ||
| Average total assets | $348,365,250 | 1,903 |
| Average earning assets | $325,720,000 | 1,852 |
| Average equity | $33,407,000 | 1,993 |
| Average total loans | $279,830,000 | 1,620 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 1,500 |
| Cost of funding earning assets | 1.8964% | 1,253 |
| Net interest margin | 3.8788% | 3,543 |
| Noninterest income to average assets | 0.2215% | 6,334 |
| Noninterest expense to average assets | 2.9905% | 3,748 |
| Loan and lease loss provision to assets | 0.2973% | 4,009 |
| Net operating income to assets | 0.3222% | 5,098 |
| Return on assets (ROA) | 0.3523% | 5,127 |
| Pretax return on assets | 0.6100% | 4,538 |
| Return on Equity (ROE) | 3.7625% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.7625% | 3,697 |
| Net charge-offs to loans | 0.2577% | 4,059 |
| Credit loss provision to net charge-offs | 143.0518% | 2,774 |
| Earnings coverage of net charge-offs (x) | 4.1390% | 3,041 |
| Efficiency ratio | 77.6585% | 2,781 |
| Assets per employee ($millions) | 6.8991% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3568% | 1,500 |
| Loan loss allowance to noncurrent loans | 76.0420% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 4.4930% | 1,482 |
| Noncurrent loans to loans | 3.0993% | 2,589 |
| Net loans and leases to total assets | 76.6896% | 1,348 |
| Net loans and leases to deposits | 97.4528% | 923 |
| Net loans and leases to core deposits | 113.5305% | 939 |
| Total domestic deposits to total assets | 78.6941% | 6,110 |
| Equity capital to assets | 9.6926% | 4,412 |
| Core capital (leverage) ratio | 9.7050% | 3,532 |
| Tier 1 risk-based capital ratio | 11.5006% | 5,771 |
| Total risk-based capital ratio | 12.7623% | 5,731 |
| Memoranda: | ||
| Average total assets | $353,122,330 | 1,891 |
| Average earning assets | $330,412,000 | 1,845 |
| Average equity | $33,063,330 | 2,014 |
| Average total loans | $284,805,330 | 1,602 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8215% | 1,397 |
| Cost of funding earning assets | 2.0184% | 1,022 |
| Net interest margin | 3.8031% | 3,786 |
| Noninterest income to average assets | 0.1085% | 7,152 |
| Noninterest expense to average assets | 3.1841% | 2,928 |
| Loan and lease loss provision to assets | 0.0848% | 5,789 |
| Net operating income to assets | 0.2294% | 5,576 |
| Return on assets (ROA) | 0.2895% | 5,468 |
| Pretax return on assets | 0.5020% | 4,954 |
| Return on Equity (ROE) | 3.1466% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.1466% | 4,260 |
| Net charge-offs to loans | 0.0996% | 4,423 |
| Credit loss provision to net charge-offs | 104.1667% | 3,287 |
| Earnings coverage of net charge-offs (x) | 6.0556% | 2,288 |
| Efficiency ratio | 86.5929% | 1,732 |
| Assets per employee ($millions) | 6.8874% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 1,723 |
| Loan loss allowance to noncurrent loans | 64.3718% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 3.9857% | 1,724 |
| Noncurrent loans to loans | 3.4409% | 2,315 |
| Net loans and leases to total assets | 79.9104% | 854 |
| Net loans and leases to deposits | 102.2073% | 636 |
| Net loans and leases to core deposits | 119.3171% | 806 |
| Total domestic deposits to total assets | 78.1846% | 6,273 |
| Equity capital to assets | 9.3185% | 4,805 |
| Core capital (leverage) ratio | 9.3108% | 4,035 |
| Tier 1 risk-based capital ratio | 10.6800% | 6,464 |
| Total risk-based capital ratio | 11.9403% | 6,442 |
| Memoranda: | ||
| Average total assets | $353,755,500 | 1,939 |
| Average earning assets | $331,939,500 | 1,888 |
| Average equity | $32,543,000 | 2,062 |
| Average total loans | $289,033,000 | 1,629 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 2,265 |
| Cost of funding earning assets | 2.4483% | 1,163 |
| Net interest margin | 3.4459% | 5,188 |
| Noninterest income to average assets | 0.2399% | 6,368 |
| Noninterest expense to average assets | 2.5047% | 6,110 |
| Loan and lease loss provision to assets | 1.9171% | 1,157 |
| Net operating income to assets | -0.6364% | 6,303 |
| Return on assets (ROA) | -0.9490% | 6,541 |
| Pretax return on assets | -1.3844% | 6,641 |
| Return on Equity (ROE) | -10.9771% | 6,693 |
| Retained earnings to average equity (ytd only) | -10.9771% | 6,595 |
| Net charge-offs to loans | 1.9263% | 1,287 |
| Credit loss provision to net charge-offs | 117.2761% | 4,625 |
| Earnings coverage of net charge-offs (x) | 0.6030% | 5,502 |
| Efficiency ratio | 71.7613% | 4,307 |
| Assets per employee ($millions) | 7.4220% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1837% | 1,677 |
| Loan loss allowance to noncurrent loans | 70.0507% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 3.7414% | 1,782 |
| Noncurrent loans to loans | 3.1173% | 2,457 |
| Net loans and leases to total assets | 79.9042% | 1,010 |
| Net loans and leases to deposits | 102.4159% | 727 |
| Net loans and leases to core deposits | 165.7440% | 277 |
| Total domestic deposits to total assets | 78.0193% | 6,211 |
| Equity capital to assets | 9.0817% | 5,011 |
| Core capital (leverage) ratio | 9.0823% | 4,285 |
| Tier 1 risk-based capital ratio | 10.4745% | 6,421 |
| Total risk-based capital ratio | 11.7345% | 6,385 |
| Memoranda: | ||
| Average total assets | $376,409,000 | 1,817 |
| Average earning assets | $355,063,600 | 1,761 |
| Average equity | $32,540,400 | 2,057 |
| Average total loans | $319,421,600 | 1,504 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9227% | 2,345 |
| Cost of funding earning assets | 2.5141% | 1,255 |
| Net interest margin | 3.4085% | 5,228 |
| Noninterest income to average assets | 0.0731% | 7,544 |
| Noninterest expense to average assets | 2.4345% | 6,294 |
| Loan and lease loss provision to assets | 1.6652% | 1,125 |
| Net operating income to assets | -0.4487% | 6,374 |
| Return on assets (ROA) | -0.8302% | 6,711 |
| Pretax return on assets | -1.4030% | 6,915 |
| Return on Equity (ROE) | -9.7173% | 6,876 |
| Retained earnings to average equity (ytd only) | -9.7173% | 6,779 |
| Net charge-offs to loans | 1.9682% | 1,009 |
| Credit loss provision to net charge-offs | 98.8382% | 5,179 |
| Earnings coverage of net charge-offs (x) | 0.5093% | 5,519 |
| Efficiency ratio | 73.9384% | 3,869 |
| Assets per employee ($millions) | 7.8416% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 2,568 |
| Loan loss allowance to noncurrent loans | 32.1918% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 4.8008% | 1,233 |
| Noncurrent loans to loans | 5.3309% | 1,196 |
| Net loans and leases to total assets | 83.1331% | 654 |
| Net loans and leases to deposits | 109.3019% | 487 |
| Net loans and leases to core deposits | 173.9084% | 234 |
| Total domestic deposits to total assets | 76.0583% | 6,569 |
| Equity capital to assets | 9.0069% | 5,469 |
| Core capital (leverage) ratio | 9.0166% | 4,625 |
| Tier 1 risk-based capital ratio | 10.3064% | 6,672 |
| Total risk-based capital ratio | 11.5612% | 6,615 |
| Memoranda: | ||
| Average total assets | $381,447,750 | 1,806 |
| Average earning assets | $360,302,500 | 1,752 |
| Average equity | $32,587,000 | 2,078 |
| Average total loans | $326,522,750 | 1,491 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9140% | 2,522 |
| Cost of funding earning assets | 2.5919% | 1,306 |
| Net interest margin | 3.3221% | 5,467 |
| Noninterest income to average assets | 0.0783% | 7,595 |
| Noninterest expense to average assets | 2.1202% | 7,236 |
| Loan and lease loss provision to assets | 1.6171% | 1,041 |
| Net operating income to assets | -0.2472% | 6,258 |
| Return on assets (ROA) | -1.0418% | 7,012 |
| Pretax return on assets | -1.7633% | 7,200 |
| Return on Equity (ROE) | -12.4036% | 7,194 |
| Retained earnings to average equity (ytd only) | -12.4036% | 7,079 |
| Net charge-offs to loans | 2.0590% | 899 |
| Credit loss provision to net charge-offs | 91.4119% | 4,878 |
| Earnings coverage of net charge-offs (x) | 0.6192% | 5,089 |
| Efficiency ratio | 65.9353% | 5,557 |
| Assets per employee ($millions) | 8.6893% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 2,866 |
| Loan loss allowance to noncurrent loans | 25.1068% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 5.6771% | 878 |
| Noncurrent loans to loans | 6.2575% | 865 |
| Net loans and leases to total assets | 83.7890% | 667 |
| Net loans and leases to deposits | 119.0439% | 257 |
| Net loans and leases to core deposits | 184.8013% | 187 |
| Total domestic deposits to total assets | 70.3849% | 7,429 |
| Equity capital to assets | 8.7207% | 5,725 |
| Core capital (leverage) ratio | 8.6260% | 5,218 |
| Tier 1 risk-based capital ratio | 9.9991% | 6,927 |
| Total risk-based capital ratio | 11.2521% | 6,854 |
| Memoranda: | ||
| Average total assets | $388,359,330 | 1,803 |
| Average earning assets | $366,758,670 | 1,754 |
| Average equity | $32,619,670 | 2,081 |
| Average total loans | $333,661,000 | 1,497 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 2,969 |
| Cost of funding earning assets | 2.5817% | 1,620 |
| Net interest margin | 3.2828% | 5,559 |
| Noninterest income to average assets | 0.0697% | 7,715 |
| Noninterest expense to average assets | 1.9802% | 7,397 |
| Loan and lease loss provision to assets | 0.2527% | 3,952 |
| Net operating income to assets | 0.6662% | 3,723 |
| Return on assets (ROA) | -0.8936% | 7,216 |
| Pretax return on assets | -1.5001% | 7,360 |
| Return on Equity (ROE) | -10.8342% | 7,417 |
| Retained earnings to average equity (ytd only) | -10.8342% | 7,189 |
| Net charge-offs to loans | 0.0047% | 5,641 |
| Credit loss provision to net charge-offs | 6,250.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 294.2500% | 138 |
| Efficiency ratio | 62.4681% | 5,968 |
| Assets per employee ($millions) | 9.6927% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 2,377 |
| Loan loss allowance to noncurrent loans | 26.4799% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 5.4897% | 776 |
| Noncurrent loans to loans | 6.1807% | 753 |
| Net loans and leases to total assets | 83.7539% | 727 |
| Net loans and leases to deposits | 144.5808% | 76 |
| Net loans and leases to core deposits | 247.6676% | 66 |
| Total domestic deposits to total assets | 57.9288% | 8,008 |
| Equity capital to assets | 8.1907% | 6,549 |
| Core capital (leverage) ratio | 8.9345% | 4,817 |
| Tier 1 risk-based capital ratio | 9.8183% | 7,123 |
| Total risk-based capital ratio | 11.0721% | 7,029 |
| Memoranda: | ||
| Average total assets | $395,718,500 | 1,781 |
| Average earning assets | $373,701,000 | 1,737 |
| Average equity | $32,637,500 | 2,076 |
| Average total loans | $341,458,000 | 1,471 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5963% | 2,509 |
| Cost of funding earning assets | 3.3750% | 749 |
| Net interest margin | 3.2214% | 6,302 |
| Noninterest income to average assets | 0.1171% | 7,537 |
| Noninterest expense to average assets | 1.6382% | 7,928 |
| Loan and lease loss provision to assets | 1.3445% | 1,053 |
| Net operating income to assets | 0.1974% | 5,856 |
| Return on assets (ROA) | 0.1974% | 5,672 |
| Pretax return on assets | 0.2169% | 5,692 |
| Return on Equity (ROE) | 2.2420% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.2420% | 3,818 |
| Net charge-offs to loans | 1.1528% | 1,049 |
| Credit loss provision to net charge-offs | 133.1576% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.5464% | 5,328 |
| Efficiency ratio | 51.2000% | 7,573 |
| Assets per employee ($millions) | 8.5660% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 2,520 |
| Loan loss allowance to noncurrent loans | 29.1892% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 4.8300% | 744 |
| Noncurrent loans to loans | 5.2621% | 806 |
| Net loans and leases to total assets | 86.0955% | 595 |
| Net loans and leases to deposits | 135.3819% | 146 |
| Net loans and leases to core deposits | 266.0456% | 61 |
| Total domestic deposits to total assets | 63.5945% | 7,813 |
| Equity capital to assets | 8.3051% | 6,415 |
| Core capital (leverage) ratio | 8.9771% | 4,774 |
| Tier 1 risk-based capital ratio | 9.6346% | 7,167 |
| Total risk-based capital ratio | 10.8870% | 7,054 |
| Memoranda: | ||
| Average total assets | $394,576,000 | 1,719 |
| Average earning assets | $377,573,600 | 1,645 |
| Average equity | $34,745,400 | 1,952 |
| Average total loans | $345,605,800 | 1,405 |