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InvestorsBank, Performance and Condition Ratios
| 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 | 4.5422% | 1,728 |
| Cost of funding earning assets | 0.8937% | 427 |
| Net interest margin | 3.6485% | 3,228 |
| Noninterest income to average assets | 0.1051% | 6,232 |
| Noninterest expense to average assets | 2.0856% | 5,608 |
| Loan and lease loss provision to assets | -0.8270% | 6,560 |
| Net operating income to assets | 2.3534% | 181 |
| Return on assets (ROA) | 2.3534% | 185 |
| Pretax return on assets | 2.3573% | 277 |
| Return on Equity (ROE) | 17.3965% | 507 |
| Retained earnings to average equity (ytd only) | 13.6924% | 270 |
| Net charge-offs to loans | -0.2750% | 6,376 |
| Credit loss provision to net charge-offs | 341.8033% | 819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6782% | 5,486 |
| Assets per employee ($millions) | 8.8886% | 356 |
| Cash dividends to net income (ytd only)* | 21.2921% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1404% | 1,034 |
| Loan loss allowance to noncurrent loans | 222.1437% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 3,227 |
| Noncurrent loans to loans | 0.9635% | 3,153 |
| Net loans and leases to total assets | 88.1913% | 103 |
| Net loans and leases to deposits | 114.1977% | 150 |
| Net loans and leases to core deposits | 146.3704% | 118 |
| Total domestic deposits to total assets | 77.2268% | 5,637 |
| Equity capital to assets | 14.6633% | 818 |
| Core capital (leverage) ratio | 14.6176% | 693 |
| Tier 1 risk-based capital ratio | 15.5859% | 3,270 |
| Total risk-based capital ratio | 16.8458% | 3,205 |
| Memoranda: | ||
| Average total assets | $201,691,750 | 2,994 |
| Average earning assets | $194,086,250 | 2,889 |
| Average equity | $27,284,500 | 2,468 |
| Average total loans | $177,459,750 | 2,264 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 1,796 |
| Cost of funding earning assets | 0.9760% | 286 |
| Net interest margin | 3.5354% | 3,632 |
| Noninterest income to average assets | 0.0883% | 6,323 |
| Noninterest expense to average assets | 2.0075% | 5,829 |
| Loan and lease loss provision to assets | -1.0533% | 6,634 |
| Net operating income to assets | 2.5336% | 133 |
| Return on assets (ROA) | 2.5336% | 139 |
| Pretax return on assets | 2.5336% | 196 |
| Return on Equity (ROE) | 19.2459% | 344 |
| Retained earnings to average equity (ytd only) | 16.6062% | 151 |
| Net charge-offs to loans | -0.1664% | 6,303 |
| Credit loss provision to net charge-offs | 725.0000% | 440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5570% | 5,602 |
| Assets per employee ($millions) | 9.0133% | 331 |
| Cash dividends to net income (ytd only)* | 13.7156% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 1,152 |
| Loan loss allowance to noncurrent loans | 193.6689% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 3,086 |
| Noncurrent loans to loans | 1.0921% | 3,047 |
| Net loans and leases to total assets | 87.0979% | 124 |
| Net loans and leases to deposits | 109.6426% | 214 |
| Net loans and leases to core deposits | 139.5313% | 140 |
| Total domestic deposits to total assets | 79.4380% | 5,357 |
| Equity capital to assets | 14.1921% | 903 |
| Core capital (leverage) ratio | 14.1057% | 803 |
| Tier 1 risk-based capital ratio | 15.4325% | 3,392 |
| Total risk-based capital ratio | 16.6924% | 3,328 |
| Memoranda: | ||
| Average total assets | $203,739,000 | 2,987 |
| Average earning assets | $195,904,330 | 2,884 |
| Average equity | $26,821,330 | 2,494 |
| Average total loans | $177,869,670 | 2,260 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 2,098 |
| Cost of funding earning assets | 1.0685% | 191 |
| Net interest margin | 3.3423% | 4,361 |
| Noninterest income to average assets | 0.1453% | 6,099 |
| Noninterest expense to average assets | 2.1098% | 5,665 |
| Loan and lease loss provision to assets | -0.1879% | 6,560 |
| Net operating income to assets | 1.4414% | 913 |
| Return on assets (ROA) | 1.4414% | 947 |
| Pretax return on assets | 1.4414% | 1,604 |
| Return on Equity (ROE) | 11.3757% | 1,576 |
| Retained earnings to average equity (ytd only) | 9.8161% | 1,010 |
| Net charge-offs to loans | 1.9464% | 137 |
| Credit loss provision to net charge-offs | -11.1623% | 4,676 |
| Earnings coverage of net charge-offs (x) | 0.7445% | 3,273 |
| Efficiency ratio | 62.7304% | 5,031 |
| Assets per employee ($millions) | 9.2904% | 310 |
| Cash dividends to net income (ytd only)* | 13.7097% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0929% | 1,336 |
| Loan loss allowance to noncurrent loans | 121.5744% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.8362% | 1,895 |
| Noncurrent loans to loans | 1.7215% | 2,250 |
| Net loans and leases to total assets | 84.4820% | 211 |
| Net loans and leases to deposits | 103.7880% | 301 |
| Net loans and leases to core deposits | 142.5125% | 117 |
| Total domestic deposits to total assets | 81.3986% | 5,122 |
| Equity capital to assets | 12.9460% | 1,328 |
| Core capital (leverage) ratio | 13.1344% | 1,112 |
| Tier 1 risk-based capital ratio | 14.7353% | 3,865 |
| Total risk-based capital ratio | 15.9952% | 3,805 |
| Memoranda: | ||
| Average total assets | $206,462,000 | 2,977 |
| Average earning assets | $198,787,500 | 2,863 |
| Average equity | $26,161,000 | 2,537 |
| Average total loans | $178,584,000 | 2,247 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 876 |
| Cost of funding earning assets | 1.1012% | 280 |
| Net interest margin | 3.9224% | 2,210 |
| Noninterest income to average assets | 0.1146% | 6,337 |
| Noninterest expense to average assets | 1.9359% | 6,129 |
| Loan and lease loss provision to assets | 0.9231% | 206 |
| Net operating income to assets | 0.9840% | 2,396 |
| Return on assets (ROA) | 0.9840% | 2,469 |
| Pretax return on assets | 0.9840% | 3,419 |
| Return on Equity (ROE) | 7.8400% | 3,119 |
| Retained earnings to average equity (ytd only) | -2.7812% | 6,251 |
| Net charge-offs to loans | 1.2277% | 427 |
| Credit loss provision to net charge-offs | 82.8535% | 2,958 |
| Earnings coverage of net charge-offs (x) | 1.7117% | 4,481 |
| Efficiency ratio | 50.3744% | 6,385 |
| Assets per employee ($millions) | 9.4789% | 273 |
| Cash dividends to net income (ytd only)* | 135.4746% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5757% | 745 |
| Loan loss allowance to noncurrent loans | 111.6519% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 2.4638% | 1,399 |
| Noncurrent loans to loans | 2.3069% | 1,667 |
| Net loans and leases to total assets | 84.4693% | 224 |
| Net loans and leases to deposits | 102.9491% | 361 |
| Net loans and leases to core deposits | 138.2754% | 135 |
| Total domestic deposits to total assets | 82.0496% | 4,857 |
| Equity capital to assets | 12.4017% | 1,566 |
| Core capital (leverage) ratio | 12.3634% | 1,419 |
| Tier 1 risk-based capital ratio | 14.2091% | 4,149 |
| Total risk-based capital ratio | 15.4751% | 4,076 |
| Memoranda: | ||
| Average total assets | $211,999,800 | 2,895 |
| Average earning assets | $201,508,600 | 2,811 |
| Average equity | $26,607,200 | 2,495 |
| Average total loans | $192,390,400 | 2,076 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 737 |
| Cost of funding earning assets | 1.1045% | 301 |
| Net interest margin | 4.0240% | 1,864 |
| Noninterest income to average assets | 0.1547% | 6,260 |
| Noninterest expense to average assets | 1.9386% | 6,119 |
| Loan and lease loss provision to assets | 0.5493% | 474 |
| Net operating income to assets | 1.4776% | 933 |
| Return on assets (ROA) | 1.4776% | 980 |
| Pretax return on assets | 1.4776% | 1,674 |
| Return on Equity (ROE) | 11.7389% | 1,564 |
| Retained earnings to average equity (ytd only) | -1.1396% | 6,154 |
| Net charge-offs to loans | -0.0526% | 6,330 |
| Credit loss provision to net charge-offs | -1,138.9610% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8864% | 6,458 |
| Assets per employee ($millions) | 9.8822% | 240 |
| Cash dividends to net income (ytd only)* | 109.7077% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1784% | 462 |
| Loan loss allowance to noncurrent loans | 67.1728% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 5.0129% | 552 |
| Noncurrent loans to loans | 4.7316% | 661 |
| Net loans and leases to total assets | 88.3089% | 77 |
| Net loans and leases to deposits | 108.1842% | 185 |
| Net loans and leases to core deposits | 144.7160% | 105 |
| Total domestic deposits to total assets | 81.6283% | 5,049 |
| Equity capital to assets | 12.7189% | 1,465 |
| Core capital (leverage) ratio | 12.7845% | 1,292 |
| Tier 1 risk-based capital ratio | 14.1082% | 4,347 |
| Total risk-based capital ratio | 15.3825% | 4,279 |
| Memoranda: | ||
| Average total assets | $212,865,750 | 2,913 |
| Average earning assets | $201,586,250 | 2,831 |
| Average equity | $26,793,500 | 2,503 |
| Average total loans | $195,286,500 | 2,047 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 713 |
| Cost of funding earning assets | 1.1023% | 337 |
| Net interest margin | 4.0355% | 1,747 |
| Noninterest income to average assets | 0.1696% | 6,200 |
| Noninterest expense to average assets | 1.9576% | 6,116 |
| Loan and lease loss provision to assets | 0.1649% | 2,264 |
| Net operating income to assets | 1.8607% | 457 |
| Return on assets (ROA) | 1.8607% | 490 |
| Pretax return on assets | 1.8607% | 805 |
| Return on Equity (ROE) | 14.8331% | 837 |
| Retained earnings to average equity (ytd only) | -2.6220% | 6,266 |
| Net charge-offs to loans | -0.0740% | 6,403 |
| Credit loss provision to net charge-offs | -242.4658% | 5,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1462% | 6,473 |
| Assets per employee ($millions) | 9.3864% | 260 |
| Cash dividends to net income (ytd only)* | 117.6765% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7395% | 756 |
| Loan loss allowance to noncurrent loans | 276.2350% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 1.6320% | 2,659 |
| Noncurrent loans to loans | 0.9917% | 3,953 |
| Net loans and leases to total assets | 91.3283% | 25 |
| Net loans and leases to deposits | 111.9206% | 114 |
| Net loans and leases to core deposits | 152.3848% | 89 |
| Total domestic deposits to total assets | 81.6010% | 5,180 |
| Equity capital to assets | 12.7240% | 1,457 |
| Core capital (leverage) ratio | 12.3485% | 1,436 |
| Tier 1 risk-based capital ratio | 13.8920% | 4,499 |
| Total risk-based capital ratio | 15.1612% | 4,453 |
| Memoranda: | ||
| Average total assets | $214,645,670 | 2,906 |
| Average earning assets | $202,849,670 | 2,840 |
| Average equity | $26,926,330 | 2,499 |
| Average total loans | $197,288,670 | 2,031 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9779% | 932 |
| Cost of funding earning assets | 1.0928% | 388 |
| Net interest margin | 3.8851% | 2,165 |
| Noninterest income to average assets | 0.3274% | 5,088 |
| Noninterest expense to average assets | 1.8800% | 6,306 |
| Loan and lease loss provision to assets | 0.0914% | 3,133 |
| Net operating income to assets | 1.9971% | 344 |
| Return on assets (ROA) | 1.9971% | 372 |
| Pretax return on assets | 1.9971% | 595 |
| Return on Equity (ROE) | 16.0282% | 602 |
| Retained earnings to average equity (ytd only) | 14.2668% | 422 |
| Net charge-offs to loans | -0.0663% | 6,255 |
| Credit loss provision to net charge-offs | -151.5152% | 5,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3733% | 6,636 |
| Assets per employee ($millions) | 9.8645% | 240 |
| Cash dividends to net income (ytd only)* | 10.9890% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5832% | 1,027 |
| Loan loss allowance to noncurrent loans | 126.4128% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 4.0162% | 989 |
| Noncurrent loans to loans | 2.0434% | 2,575 |
| Net loans and leases to total assets | 89.4065% | 47 |
| Net loans and leases to deposits | 109.2112% | 138 |
| Net loans and leases to core deposits | 149.1315% | 98 |
| Total domestic deposits to total assets | 81.8656% | 5,244 |
| Equity capital to assets | 12.7786% | 1,546 |
| Core capital (leverage) ratio | 12.5011% | 1,337 |
| Tier 1 risk-based capital ratio | 13.8733% | 4,594 |
| Total risk-based capital ratio | 15.1398% | 4,541 |
| Memoranda: | ||
| Average total assets | $218,718,500 | 2,883 |
| Average earning assets | $204,986,500 | 2,843 |
| Average equity | $27,252,000 | 2,505 |
| Average total loans | $198,980,500 | 2,035 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 2,411 |
| Cost of funding earning assets | 1.2632% | 432 |
| Net interest margin | 3.4831% | 4,574 |
| Noninterest income to average assets | -0.4973% | 7,029 |
| Noninterest expense to average assets | 1.8293% | 6,586 |
| Loan and lease loss provision to assets | 1.2329% | 291 |
| Net operating income to assets | -0.3213% | 6,459 |
| Return on assets (ROA) | -0.3213% | 6,508 |
| Pretax return on assets | -0.3213% | 6,490 |
| Return on Equity (ROE) | -2.7345% | 6,489 |
| Retained earnings to average equity (ytd only) | -4.1527% | 6,374 |
| Net charge-offs to loans | 1.7797% | 463 |
| Credit loss provision to net charge-offs | 79.3948% | 3,853 |
| Earnings coverage of net charge-offs (x) | 0.5871% | 5,194 |
| Efficiency ratio | 66.7394% | 4,370 |
| Assets per employee ($millions) | 10.4961% | 200 |
| Cash dividends to net income (ytd only)* | -51.8617% | 7,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5459% | 1,081 |
| Loan loss allowance to noncurrent loans | 112.2920% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 4.9565% | 785 |
| Noncurrent loans to loans | 2.2673% | 2,386 |
| Net loans and leases to total assets | 87.8903% | 82 |
| Net loans and leases to deposits | 106.4464% | 216 |
| Net loans and leases to core deposits | 141.1359% | 127 |
| Total domestic deposits to total assets | 82.5677% | 4,905 |
| Equity capital to assets | 12.1460% | 1,949 |
| Core capital (leverage) ratio | 12.1657% | 1,472 |
| Tier 1 risk-based capital ratio | 13.2746% | 4,917 |
| Total risk-based capital ratio | 14.5401% | 4,852 |
| Memoranda: | ||
| Average total assets | $234,074,200 | 2,687 |
| Average earning assets | $217,624,400 | 2,634 |
| Average equity | $27,500,200 | 2,447 |
| Average total loans | $204,245,600 | 1,974 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 2,792 |
| Cost of funding earning assets | 1.3180% | 408 |
| Net interest margin | 3.3869% | 5,077 |
| Noninterest income to average assets | -0.6406% | 7,146 |
| Noninterest expense to average assets | 1.8712% | 6,574 |
| Loan and lease loss provision to assets | 1.2722% | 280 |
| Net operating income to assets | -0.6389% | 6,752 |
| Return on assets (ROA) | -0.6389% | 6,778 |
| Pretax return on assets | -0.6389% | 6,756 |
| Return on Equity (ROE) | -5.4811% | 6,732 |
| Retained earnings to average equity (ytd only) | -6.9020% | 6,711 |
| Net charge-offs to loans | 1.2334% | 783 |
| Credit loss provision to net charge-offs | 119.1377% | 2,438 |
| Earnings coverage of net charge-offs (x) | 0.5931% | 5,021 |
| Efficiency ratio | 74.7142% | 2,873 |
| Assets per employee ($millions) | 10.9248% | 184 |
| Cash dividends to net income (ytd only)* | -25.9224% | 7,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2985% | 551 |
| Loan loss allowance to noncurrent loans | 103.9212% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 6.0614% | 655 |
| Noncurrent loans to loans | 3.1741% | 1,742 |
| Net loans and leases to total assets | 78.9077% | 619 |
| Net loans and leases to deposits | 94.7444% | 736 |
| Net loans and leases to core deposits | 131.6084% | 179 |
| Total domestic deposits to total assets | 83.2848% | 4,524 |
| Equity capital to assets | 11.5513% | 2,703 |
| Core capital (leverage) ratio | 11.2536% | 2,175 |
| Tier 1 risk-based capital ratio | 13.4286% | 4,927 |
| Total risk-based capital ratio | 14.7021% | 4,872 |
| Memoranda: | ||
| Average total assets | $237,488,250 | 2,683 |
| Average earning assets | $220,527,500 | 2,632 |
| Average equity | $27,682,250 | 2,443 |
| Average total loans | $205,610,250 | 1,979 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 2,933 |
| Cost of funding earning assets | 1.3462% | 435 |
| Net interest margin | 3.3490% | 5,276 |
| Noninterest income to average assets | -0.0541% | 7,058 |
| Noninterest expense to average assets | 1.8511% | 6,680 |
| Loan and lease loss provision to assets | 0.9568% | 470 |
| Net operating income to assets | 0.2598% | 5,732 |
| Return on assets (ROA) | 0.2598% | 5,927 |
| Pretax return on assets | 0.2598% | 6,037 |
| Return on Equity (ROE) | 2.2225% | 5,977 |
| Retained earnings to average equity (ytd only) | 0.7978% | 5,747 |
| Net charge-offs to loans | 0.3570% | 2,590 |
| Credit loss provision to net charge-offs | 303.9683% | 962 |
| Earnings coverage of net charge-offs (x) | 3.8651% | 3,246 |
| Efficiency ratio | 60.3420% | 5,523 |
| Assets per employee ($millions) | 10.8296% | 186 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1906% | 645 |
| Loan loss allowance to noncurrent loans | 125.3763% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 5.9546% | 718 |
| Noncurrent loans to loans | 2.5448% | 2,368 |
| Net loans and leases to total assets | 83.8112% | 224 |
| Net loans and leases to deposits | 100.6776% | 395 |
| Net loans and leases to core deposits | 141.8461% | 140 |
| Total domestic deposits to total assets | 83.2471% | 4,653 |
| Equity capital to assets | 11.7557% | 2,359 |
| Core capital (leverage) ratio | 11.7167% | 1,776 |
| Tier 1 risk-based capital ratio | 13.4966% | 4,827 |
| Total risk-based capital ratio | 14.7704% | 4,766 |
| Memoranda: | ||
| Average total assets | $240,177,670 | 2,654 |
| Average earning assets | $223,889,000 | 2,600 |
| Average equity | $28,076,000 | 2,386 |
| Average total loans | $211,745,330 | 1,932 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 3,524 |
| Cost of funding earning assets | 1.3775% | 457 |
| Net interest margin | 3.2182% | 5,738 |
| Noninterest income to average assets | -0.2422% | 7,211 |
| Noninterest expense to average assets | 1.9540% | 6,545 |
| Loan and lease loss provision to assets | -0.0879% | 7,172 |
| Net operating income to assets | 0.9107% | 2,865 |
| Return on assets (ROA) | 0.9107% | 3,090 |
| Pretax return on assets | 0.9107% | 3,994 |
| Return on Equity (ROE) | 7.8122% | 3,360 |
| Retained earnings to average equity (ytd only) | 6.3892% | 2,746 |
| Net charge-offs to loans | 0.1511% | 3,187 |
| Credit loss provision to net charge-offs | -65.4321% | 5,446 |
| Earnings coverage of net charge-offs (x) | 6.1235% | 2,250 |
| Efficiency ratio | 70.3704% | 3,749 |
| Assets per employee ($millions) | 10.9204% | 187 |
| Cash dividends to net income (ytd only)* | 18.2149% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6825% | 1,136 |
| Loan loss allowance to noncurrent loans | 55.1229% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 5.9763% | 790 |
| Noncurrent loans to loans | 4.8665% | 1,167 |
| Net loans and leases to total assets | 85.7086% | 127 |
| Net loans and leases to deposits | 107.0078% | 186 |
| Net loans and leases to core deposits | 158.2895% | 94 |
| Total domestic deposits to total assets | 80.0957% | 5,831 |
| Equity capital to assets | 11.7899% | 2,192 |
| Core capital (leverage) ratio | 11.8556% | 1,673 |
| Tier 1 risk-based capital ratio | 13.5190% | 4,812 |
| Total risk-based capital ratio | 14.7873% | 4,789 |
| Memoranda: | ||
| Average total assets | $241,141,000 | 2,656 |
| Average earning assets | $226,210,000 | 2,581 |
| Average equity | $28,110,000 | 2,380 |
| Average total loans | $214,487,000 | 1,909 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 4,811 |
| Cost of funding earning assets | 1.5236% | 654 |
| Net interest margin | 3.0408% | 6,463 |
| Noninterest income to average assets | 0.0073% | 6,962 |
| Noninterest expense to average assets | 2.0356% | 6,613 |
| Loan and lease loss provision to assets | 2.4993% | 178 |
| Net operating income to assets | -1.6725% | 6,951 |
| Return on assets (ROA) | -1.6725% | 6,967 |
| Pretax return on assets | -1.6725% | 6,935 |
| Return on Equity (ROE) | -14.1402% | 6,867 |
| Retained earnings to average equity (ytd only) | -15.4207% | 6,878 |
| Net charge-offs to loans | 2.7984% | 378 |
| Credit loss provision to net charge-offs | 98.8814% | 3,628 |
| Earnings coverage of net charge-offs (x) | 0.3271% | 5,580 |
| Efficiency ratio | 71.1161% | 3,764 |
| Assets per employee ($millions) | 10.5232% | 201 |
| Cash dividends to net income (ytd only)* | -9.0558% | 7,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6727% | 1,104 |
| Loan loss allowance to noncurrent loans | 42.1993% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 7.7601% | 543 |
| Noncurrent loans to loans | 6.3335% | 765 |
| Net loans and leases to total assets | 87.4154% | 91 |
| Net loans and leases to deposits | 108.7069% | 195 |
| Net loans and leases to core deposits | 167.1967% | 100 |
| Total domestic deposits to total assets | 80.4138% | 5,620 |
| Equity capital to assets | 11.5253% | 2,483 |
| Core capital (leverage) ratio | 11.2992% | 2,040 |
| Tier 1 risk-based capital ratio | 12.9849% | 5,082 |
| Total risk-based capital ratio | 14.2528% | 5,041 |
| Memoranda: | ||
| Average total assets | $247,593,400 | 2,546 |
| Average earning assets | $232,473,800 | 2,481 |
| Average equity | $29,285,400 | 2,248 |
| Average total loans | $223,630,800 | 1,847 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 5,311 |
| Cost of funding earning assets | 1.5547% | 707 |
| Net interest margin | 2.9254% | 6,716 |
| Noninterest income to average assets | -0.0070% | 7,127 |
| Noninterest expense to average assets | 2.0627% | 6,565 |
| Loan and lease loss provision to assets | 2.7043% | 144 |
| Net operating income to assets | -2.0253% | 7,141 |
| Return on assets (ROA) | -2.0253% | 7,150 |
| Pretax return on assets | -2.0253% | 7,129 |
| Return on Equity (ROE) | -17.0166% | 7,052 |
| Retained earnings to average equity (ytd only) | -18.2764% | 7,055 |
| Net charge-offs to loans | 1.7460% | 782 |
| Credit loss provision to net charge-offs | 171.2445% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.4300% | 5,299 |
| Efficiency ratio | 75.2344% | 2,970 |
| Assets per employee ($millions) | 10.8104% | 196 |
| Cash dividends to net income (ytd only)* | -7.4034% | 7,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6045% | 516 |
| Loan loss allowance to noncurrent loans | 46.8369% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 8.9362% | 451 |
| Noncurrent loans to loans | 7.6960% | 597 |
| Net loans and leases to total assets | 85.8406% | 136 |
| Net loans and leases to deposits | 106.4132% | 243 |
| Net loans and leases to core deposits | 171.2060% | 87 |
| Total domestic deposits to total assets | 80.6672% | 5,543 |
| Equity capital to assets | 11.3912% | 2,783 |
| Core capital (leverage) ratio | 11.3685% | 2,116 |
| Tier 1 risk-based capital ratio | 12.9798% | 5,113 |
| Total risk-based capital ratio | 14.2595% | 5,059 |
| Memoranda: | ||
| Average total assets | $248,983,500 | 2,541 |
| Average earning assets | $233,945,000 | 2,472 |
| Average equity | $29,633,000 | 2,219 |
| Average total loans | $225,192,500 | 1,856 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 5,508 |
| Cost of funding earning assets | 1.5909% | 721 |
| Net interest margin | 2.8636% | 6,846 |
| Noninterest income to average assets | -0.0723% | 7,274 |
| Noninterest expense to average assets | 2.2353% | 6,289 |
| Loan and lease loss provision to assets | 2.9868% | 156 |
| Net operating income to assets | -2.5918% | 7,271 |
| Return on assets (ROA) | -2.5918% | 7,276 |
| Pretax return on assets | -2.5918% | 7,259 |
| Return on Equity (ROE) | -21.4701% | 7,165 |
| Retained earnings to average equity (ytd only) | -22.7006% | 7,165 |
| Net charge-offs to loans | 2.4067% | 512 |
| Credit loss provision to net charge-offs | 136.5138% | 2,234 |
| Earnings coverage of net charge-offs (x) | 0.1806% | 5,173 |
| Efficiency ratio | 84.9817% | 1,707 |
| Assets per employee ($millions) | 11.2677% | 175 |
| Cash dividends to net income (ytd only)* | -5.7311% | 7,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0433% | 859 |
| Loan loss allowance to noncurrent loans | 40.1343% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 8.6208% | 500 |
| Noncurrent loans to loans | 7.5828% | 627 |
| Net loans and leases to total assets | 88.3581% | 73 |
| Net loans and leases to deposits | 110.5051% | 170 |
| Net loans and leases to core deposits | 178.7994% | 87 |
| Total domestic deposits to total assets | 79.9584% | 5,836 |
| Equity capital to assets | 11.6806% | 2,340 |
| Core capital (leverage) ratio | 11.7017% | 1,782 |
| Tier 1 risk-based capital ratio | 13.1205% | 4,822 |
| Total risk-based capital ratio | 14.3936% | 4,788 |
| Memoranda: | ||
| Average total assets | $249,098,000 | 2,561 |
| Average earning assets | $235,088,000 | 2,472 |
| Average equity | $30,069,670 | 2,184 |
| Average total loans | $226,451,670 | 1,866 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 5,836 |
| Cost of funding earning assets | 1.6145% | 777 |
| Net interest margin | 2.7393% | 6,978 |
| Noninterest income to average assets | 0.0144% | 7,265 |
| Noninterest expense to average assets | 2.7168% | 4,770 |
| Loan and lease loss provision to assets | 5.1261% | 59 |
| Net operating income to assets | -5.2382% | 7,495 |
| Return on assets (ROA) | -5.2382% | 7,495 |
| Pretax return on assets | -5.2382% | 7,486 |
| Return on Equity (ROE) | -42.7074% | 7,385 |
| Retained earnings to average equity (ytd only) | -43.8828% | 7,373 |
| Net charge-offs to loans | 1.9089% | 673 |
| Credit loss provision to net charge-offs | 295.7486% | 1,088 |
| Earnings coverage of net charge-offs (x) | -0.0647% | 4,625 |
| Efficiency ratio | 104.3050% | 620 |
| Assets per employee ($millions) | 10.7647% | 202 |
| Cash dividends to net income (ytd only)* | -2.7523% | 7,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5511% | 585 |
| Loan loss allowance to noncurrent loans | 42.3399% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 9.0658% | 474 |
| Noncurrent loans to loans | 8.3871% | 569 |
| Net loans and leases to total assets | 87.7373% | 87 |
| Net loans and leases to deposits | 109.2592% | 193 |
| Net loans and leases to core deposits | 178.7635% | 96 |
| Total domestic deposits to total assets | 80.3020% | 5,869 |
| Equity capital to assets | 11.6944% | 2,129 |
| Core capital (leverage) ratio | 11.4686% | 1,865 |
| Tier 1 risk-based capital ratio | 13.4631% | 4,448 |
| Total risk-based capital ratio | 14.7437% | 4,399 |
| Memoranda: | ||
| Average total assets | $249,702,000 | 2,574 |
| Average earning assets | $236,116,000 | 2,486 |
| Average equity | $30,627,000 | 2,140 |
| Average total loans | $226,724,500 | 1,883 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 4,909 |
| Cost of funding earning assets | 1.7344% | 1,449 |
| Net interest margin | 3.1890% | 6,293 |
| Noninterest income to average assets | 0.0058% | 7,265 |
| Noninterest expense to average assets | 1.6571% | 7,371 |
| Loan and lease loss provision to assets | 0.7801% | 2,097 |
| Net operating income to assets | 0.5976% | 3,678 |
| Return on assets (ROA) | 0.5976% | 3,842 |
| Pretax return on assets | 0.5976% | 4,333 |
| Return on Equity (ROE) | 4.7491% | 4,177 |
| Retained earnings to average equity (ytd only) | 0.4576% | 5,350 |
| Net charge-offs to loans | 0.8815% | 2,428 |
| Credit loss provision to net charge-offs | 96.6265% | 4,805 |
| Earnings coverage of net charge-offs (x) | 1.7065% | 4,441 |
| Efficiency ratio | 54.6026% | 6,752 |
| Assets per employee ($millions) | 10.9485% | 202 |
| Cash dividends to net income (ytd only)* | 90.3646% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5764% | 1,312 |
| Loan loss allowance to noncurrent loans | 30.2968% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 8.5062% | 555 |
| Noncurrent loans to loans | 8.5040% | 578 |
| Net loans and leases to total assets | 88.2962% | 92 |
| Net loans and leases to deposits | 111.3965% | 209 |
| Net loans and leases to core deposits | 188.7286% | 92 |
| Total domestic deposits to total assets | 79.2630% | 6,018 |
| Equity capital to assets | 12.8269% | 1,477 |
| Core capital (leverage) ratio | 12.7225% | 1,230 |
| Tier 1 risk-based capital ratio | 14.8890% | 3,312 |
| Total risk-based capital ratio | 16.1577% | 3,255 |
| Memoranda: | ||
| Average total assets | $257,014,000 | 2,482 |
| Average earning assets | $244,121,800 | 2,393 |
| Average equity | $32,343,200 | 2,032 |
| Average total loans | $235,390,200 | 1,856 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 6,198 |
| Cost of funding earning assets | 1.7502% | 1,625 |
| Net interest margin | 2.8976% | 7,008 |
| Noninterest income to average assets | -0.0175% | 7,470 |
| Noninterest expense to average assets | 1.5350% | 7,531 |
| Loan and lease loss provision to assets | 0.6194% | 2,461 |
| Net operating income to assets | 0.5796% | 3,962 |
| Return on assets (ROA) | 0.5796% | 4,120 |
| Pretax return on assets | 0.5796% | 4,663 |
| Return on Equity (ROE) | 4.6279% | 4,487 |
| Retained earnings to average equity (ytd only) | -0.1113% | 5,811 |
| Net charge-offs to loans | 0.6318% | 2,852 |
| Credit loss provision to net charge-offs | 106.7616% | 4,006 |
| Earnings coverage of net charge-offs (x) | 2.0667% | 4,174 |
| Efficiency ratio | 56.1450% | 6,537 |
| Assets per employee ($millions) | 10.9329% | 211 |
| Cash dividends to net income (ytd only)* | 102.4043% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6360% | 1,159 |
| Loan loss allowance to noncurrent loans | 33.6873% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 7.6156% | 683 |
| Noncurrent loans to loans | 7.8249% | 678 |
| Net loans and leases to total assets | 88.5308% | 92 |
| Net loans and leases to deposits | 111.8376% | 222 |
| Net loans and leases to core deposits | 192.7011% | 95 |
| Total domestic deposits to total assets | 79.1602% | 5,981 |
| Equity capital to assets | 12.8197% | 1,668 |
| Core capital (leverage) ratio | 12.6183% | 1,364 |
| Tier 1 risk-based capital ratio | 14.9295% | 3,286 |
| Total risk-based capital ratio | 16.1985% | 3,262 |
| Memoranda: | ||
| Average total assets | $258,313,750 | 2,509 |
| Average earning assets | $245,303,250 | 2,415 |
| Average equity | $32,354,000 | 2,052 |
| Average total loans | $237,182,000 | 1,870 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 6,167 |
| Cost of funding earning assets | 1.7650% | 1,789 |
| Net interest margin | 2.9282% | 6,970 |
| Noninterest income to average assets | 0.1120% | 7,045 |
| Noninterest expense to average assets | 1.5687% | 7,584 |
| Loan and lease loss provision to assets | 0.5372% | 2,635 |
| Net operating income to assets | 0.7843% | 3,050 |
| Return on assets (ROA) | 0.7843% | 3,190 |
| Pretax return on assets | 0.7843% | 3,933 |
| Return on Equity (ROE) | 6.3099% | 3,643 |
| Retained earnings to average equity (ytd only) | 2.0807% | 4,815 |
| Net charge-offs to loans | 0.4208% | 3,314 |
| Credit loss provision to net charge-offs | 138.6139% | 2,894 |
| Earnings coverage of net charge-offs (x) | 3.4099% | 3,338 |
| Efficiency ratio | 54.2751% | 6,848 |
| Assets per employee ($millions) | 12.3223% | 150 |
| Cash dividends to net income (ytd only)* | 67.0254% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5885% | 1,205 |
| Loan loss allowance to noncurrent loans | 52.7332% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 5.0906% | 1,251 |
| Noncurrent loans to loans | 4.9086% | 1,418 |
| Net loans and leases to total assets | 89.3666% | 96 |
| Net loans and leases to deposits | 112.2119% | 230 |
| Net loans and leases to core deposits | 194.5019% | 102 |
| Total domestic deposits to total assets | 79.6409% | 5,841 |
| Equity capital to assets | 12.5915% | 1,747 |
| Core capital (leverage) ratio | 12.5696% | 1,380 |
| Tier 1 risk-based capital ratio | 14.4784% | 3,457 |
| Total risk-based capital ratio | 15.7469% | 3,414 |
| Memoranda: | ||
| Average total assets | $260,599,670 | 2,500 |
| Average earning assets | $247,251,000 | 2,420 |
| Average equity | $32,393,330 | 2,042 |
| Average total loans | $240,028,330 | 1,875 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 6,250 |
| Cost of funding earning assets | 1.8231% | 1,784 |
| Net interest margin | 2.8740% | 7,067 |
| Noninterest income to average assets | 0.0673% | 7,383 |
| Noninterest expense to average assets | 1.6076% | 7,654 |
| Loan and lease loss provision to assets | 0.4589% | 2,674 |
| Net operating income to assets | 0.7281% | 3,320 |
| Return on assets (ROA) | 0.7281% | 3,428 |
| Pretax return on assets | 0.7281% | 4,133 |
| Return on Equity (ROE) | 5.8950% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.7185% | 3,315 |
| Net charge-offs to loans | 0.4674% | 2,645 |
| Credit loss provision to net charge-offs | 106.3830% | 3,232 |
| Earnings coverage of net charge-offs (x) | 2.7518% | 3,168 |
| Efficiency ratio | 57.5260% | 6,559 |
| Assets per employee ($millions) | 12.4626% | 156 |
| Cash dividends to net income (ytd only)* | 19.9580% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4792% | 1,323 |
| Loan loss allowance to noncurrent loans | 76.7125% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 3.4182% | 2,063 |
| Noncurrent loans to loans | 3.2319% | 2,476 |
| Net loans and leases to total assets | 89.7121% | 74 |
| Net loans and leases to deposits | 114.7197% | 202 |
| Net loans and leases to core deposits | 149.1469% | 251 |
| Total domestic deposits to total assets | 78.2011% | 6,267 |
| Equity capital to assets | 12.4242% | 1,793 |
| Core capital (leverage) ratio | 12.4212% | 1,440 |
| Tier 1 risk-based capital ratio | 14.3999% | 3,439 |
| Total risk-based capital ratio | 15.6670% | 3,393 |
| Memoranda: | ||
| Average total assets | $261,515,000 | 2,550 |
| Average earning assets | $248,152,000 | 2,467 |
| Average equity | $32,298,500 | 2,077 |
| Average total loans | $241,343,500 | 1,915 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 6,548 |
| Cost of funding earning assets | 1.6516% | 4,784 |
| Net interest margin | 3.3107% | 5,701 |
| Noninterest income to average assets | 0.0966% | 7,287 |
| Noninterest expense to average assets | 1.5633% | 7,787 |
| Loan and lease loss provision to assets | 0.9454% | 2,385 |
| Net operating income to assets | 0.7481% | 2,731 |
| Return on assets (ROA) | 0.7481% | 2,821 |
| Pretax return on assets | 0.7481% | 3,412 |
| Return on Equity (ROE) | 6.3294% | 3,063 |
| Retained earnings to average equity (ytd only) | 1.2895% | 4,143 |
| Net charge-offs to loans | 0.6055% | 3,402 |
| Credit loss provision to net charge-offs | 164.2202% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.9417% | 3,612 |
| Efficiency ratio | 48.0019% | 7,630 |
| Assets per employee ($millions) | 11.8780% | 174 |
| Cash dividends to net income (ytd only)* | 79.6268% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4594% | 1,275 |
| Loan loss allowance to noncurrent loans | 58.2021% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 4.2738% | 1,531 |
| Noncurrent loans to loans | 4.2256% | 1,722 |
| Net loans and leases to total assets | 90.3040% | 79 |
| Net loans and leases to deposits | 115.9164% | 235 |
| Net loans and leases to core deposits | 147.9811% | 559 |
| Total domestic deposits to total assets | 77.9044% | 6,241 |
| Equity capital to assets | 12.2768% | 1,866 |
| Core capital (leverage) ratio | 12.2061% | 1,577 |
| Tier 1 risk-based capital ratio | 14.1296% | 3,419 |
| Total risk-based capital ratio | 15.3965% | 3,366 |
| Memoranda: | ||
| Average total assets | $265,077,800 | 2,472 |
| Average earning assets | $253,030,400 | 2,380 |
| Average equity | $31,330,000 | 2,138 |
| Average total loans | $252,016,600 | 1,881 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 6,478 |
| Cost of funding earning assets | 1.5639% | 5,573 |
| Net interest margin | 3.4752% | 4,971 |
| Noninterest income to average assets | 0.0807% | 7,499 |
| Noninterest expense to average assets | 1.5663% | 7,856 |
| Loan and lease loss provision to assets | 0.9653% | 1,987 |
| Net operating income to assets | 0.8681% | 2,545 |
| Return on assets (ROA) | 0.8681% | 2,613 |
| Pretax return on assets | 0.8681% | 3,329 |
| Return on Equity (ROE) | 7.4153% | 2,903 |
| Retained earnings to average equity (ytd only) | 2.0379% | 4,181 |
| Net charge-offs to loans | 0.3750% | 3,775 |
| Credit loss provision to net charge-offs | 268.9944% | 1,576 |
| Earnings coverage of net charge-offs (x) | 5.1090% | 2,921 |
| Efficiency ratio | 46.0711% | 7,767 |
| Assets per employee ($millions) | 12.1079% | 174 |
| Cash dividends to net income (ytd only)* | 72.5170% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4517% | 1,108 |
| Loan loss allowance to noncurrent loans | 75.3199% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 3.6415% | 1,806 |
| Noncurrent loans to loans | 3.2550% | 2,330 |
| Net loans and leases to total assets | 92.3119% | 48 |
| Net loans and leases to deposits | 125.1298% | 141 |
| Net loans and leases to core deposits | 148.2823% | 622 |
| Total domestic deposits to total assets | 73.7730% | 6,994 |
| Equity capital to assets | 12.1044% | 2,184 |
| Core capital (leverage) ratio | 12.1881% | 1,713 |
| Tier 1 risk-based capital ratio | 13.5760% | 3,793 |
| Total risk-based capital ratio | 14.8428% | 3,721 |
| Memoranda: | ||
| Average total assets | $266,018,500 | 2,468 |
| Average earning assets | $254,057,000 | 2,391 |
| Average equity | $31,142,250 | 2,175 |
| Average total loans | $254,538,750 | 1,887 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 6,171 |
| Cost of funding earning assets | 1.4399% | 6,351 |
| Net interest margin | 3.7337% | 3,812 |
| Noninterest income to average assets | 0.0865% | 7,542 |
| Noninterest expense to average assets | 1.6179% | 7,899 |
| Loan and lease loss provision to assets | 1.0636% | 1,605 |
| Net operating income to assets | 0.9703% | 2,207 |
| Return on assets (ROA) | 0.9703% | 2,305 |
| Pretax return on assets | 0.9703% | 3,112 |
| Return on Equity (ROE) | 8.3833% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.3833% | 1,098 |
| Net charge-offs to loans | 0.5592% | 2,652 |
| Credit loss provision to net charge-offs | 198.0392% | 2,310 |
| Earnings coverage of net charge-offs (x) | 3.7871% | 3,307 |
| Efficiency ratio | 44.3048% | 7,913 |
| Assets per employee ($millions) | 12.0031% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2424% | 1,177 |
| Loan loss allowance to noncurrent loans | 91.6586% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 3.0738% | 2,047 |
| Noncurrent loans to loans | 2.4465% | 2,952 |
| Net loans and leases to total assets | 93.6058% | 31 |
| Net loans and leases to deposits | 142.6476% | 77 |
| Net loans and leases to core deposits | 170.1127% | 318 |
| Total domestic deposits to total assets | 65.6203% | 7,761 |
| Equity capital to assets | 12.2067% | 2,083 |
| Core capital (leverage) ratio | 12.2266% | 1,734 |
| Tier 1 risk-based capital ratio | 13.6187% | 3,743 |
| Total risk-based capital ratio | 14.8831% | 3,662 |
| Memoranda: | ||
| Average total assets | $265,900,000 | 2,478 |
| Average earning assets | $253,906,330 | 2,407 |
| Average equity | $30,775,330 | 2,208 |
| Average total loans | $255,360,000 | 1,915 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 7,857 |
| Cost of funding earning assets | 1.3167% | 6,971 |
| Net interest margin | 2.9677% | 6,565 |
| Noninterest income to average assets | 0.0870% | 7,620 |
| Noninterest expense to average assets | 1.6341% | 7,882 |
| Loan and lease loss provision to assets | 0.2998% | 3,548 |
| Net operating income to assets | 0.9879% | 2,365 |
| Return on assets (ROA) | 0.9879% | 2,498 |
| Pretax return on assets | 0.9879% | 3,396 |
| Return on Equity (ROE) | 8.7732% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.7732% | 1,546 |
| Net charge-offs to loans | 0.2447% | 3,176 |
| Credit loss provision to net charge-offs | 127.3885% | 3,131 |
| Earnings coverage of net charge-offs (x) | 5.4713% | 2,670 |
| Efficiency ratio | 55.9261% | 6,976 |
| Assets per employee ($millions) | 12.5352% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 1,451 |
| Loan loss allowance to noncurrent loans | 31.8974% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 6.8432% | 513 |
| Noncurrent loans to loans | 6.2238% | 743 |
| Net loans and leases to total assets | 94.0218% | 29 |
| Net loans and leases to deposits | 153.2783% | 61 |
| Net loans and leases to core deposits | 177.7937% | 256 |
| Total domestic deposits to total assets | 61.3406% | 7,936 |
| Equity capital to assets | 11.5431% | 2,563 |
| Core capital (leverage) ratio | 11.4341% | 2,187 |
| Tier 1 risk-based capital ratio | 12.9320% | 4,223 |
| Total risk-based capital ratio | 14.1930% | 4,141 |
| Memoranda: | ||
| Average total assets | $266,815,500 | 2,489 |
| Average earning assets | $254,877,500 | 2,404 |
| Average equity | $30,046,000 | 2,273 |
| Average total loans | $256,613,000 | 1,918 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5922% | 7,091 |
| Cost of funding earning assets | 2.6624% | 3,355 |
| Net interest margin | 2.9298% | 7,082 |
| Noninterest income to average assets | 3.4619% | 164 |
| Noninterest expense to average assets | 1.2573% | 8,140 |
| Loan and lease loss provision to assets | 2.4971% | 419 |
| Net operating income to assets | 2.4696% | 137 |
| Return on assets (ROA) | 2.4696% | 136 |
| Pretax return on assets | 2.4696% | 210 |
| Return on Equity (ROE) | 27.0282% | 96 |
| Retained earnings to average equity (ytd only) | 10.4404% | 394 |
| Net charge-offs to loans | 1.5132% | 766 |
| Credit loss provision to net charge-offs | 173.3721% | 2,940 |
| Earnings coverage of net charge-offs (x) | 3.4483% | 4,365 |
| Efficiency ratio | 20.2005% | 8,261 |
| Assets per employee ($millions) | 11.7561% | 170 |
| Cash dividends to net income (ytd only)* | 61.3723% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 1,400 |
| Loan loss allowance to noncurrent loans | 24.0120% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 8.0140% | 289 |
| Noncurrent loans to loans | 7.9391% | 343 |
| Net loans and leases to total assets | 94.5816% | 21 |
| Net loans and leases to deposits | 174.9080% | 55 |
| Net loans and leases to core deposits | 199.2163% | 176 |
| Total domestic deposits to total assets | 54.0750% | 8,087 |
| Equity capital to assets | 10.9863% | 3,048 |
| Core capital (leverage) ratio | 10.8011% | 2,745 |
| Tier 1 risk-based capital ratio | 12.3223% | 4,567 |
| Total risk-based capital ratio | 13.5824% | 4,447 |
| Memoranda: | ||
| Average total assets | $286,809,200 | 2,274 |
| Average earning assets | $270,393,200 | 2,228 |
| Average equity | $26,206,000 | 2,539 |
| Average total loans | $272,992,000 | 1,752 |