Home > Llewellyn-Edison Savings Bank, FSB > Performance and Condition Ratios
Llewellyn-Edison Savings Bank, FSB, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5441% | 6,069 |
| Cost of funding earning assets | 0.4732% | 2,467 |
| Net interest margin | 2.0709% | 6,115 |
| Noninterest income to average assets | 0.1037% | 5,952 |
| Noninterest expense to average assets | 2.9651% | 2,619 |
| Loan and lease loss provision to assets | 0.0970% | 2,232 |
| Net operating income to assets | -0.5587% | 6,150 |
| Return on assets (ROA) | -0.5587% | 6,150 |
| Pretax return on assets | -0.9768% | 6,184 |
| Return on Equity (ROE) | -3.0921% | 6,106 |
| Retained earnings to average equity (ytd only) | -3.0921% | 5,942 |
| Net charge-offs to loans | -0.0303% | 5,362 |
| Credit loss provision to net charge-offs | -1,087.5000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.1925% | 48 |
| Assets per employee ($millions) | 6.3867% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 1,713 |
| Loan loss allowance to noncurrent loans | 22.2999% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 2.3565% | 763 |
| Noncurrent loans to loans | 7.2712% | 89 |
| Net loans and leases to total assets | 30.2938% | 5,962 |
| Net loans and leases to deposits | 39.9074% | 5,868 |
| Net loans and leases to core deposits | 40.2706% | 5,911 |
| Total domestic deposits to total assets | 75.9101% | 5,501 |
| Equity capital to assets | 18.5663% | 301 |
| Core capital (leverage) ratio | 18.6025% | 266 |
| Tier 1 risk-based capital ratio | 48.6637% | 148 |
| Total risk-based capital ratio | 49.9144% | 145 |
| Memoranda: | ||
| Average total assets | $119,565,750 | 4,125 |
| Average earning assets | $114,406,500 | 4,033 |
| Average equity | $21,602,500 | 3,029 |
| Average total loans | $35,163,250 | 5,242 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6579% | 6,097 |
| Cost of funding earning assets | 0.4723% | 2,493 |
| Net interest margin | 2.1856% | 6,151 |
| Noninterest income to average assets | 0.1073% | 5,998 |
| Noninterest expense to average assets | 2.8968% | 2,908 |
| Loan and lease loss provision to assets | 0.1437% | 1,508 |
| Net operating income to assets | -0.5070% | 6,190 |
| Return on assets (ROA) | -0.5070% | 6,202 |
| Pretax return on assets | -0.8390% | 6,240 |
| Return on Equity (ROE) | -2.8310% | 6,154 |
| Retained earnings to average equity (ytd only) | -2.8310% | 5,910 |
| Net charge-offs to loans | 0.0855% | 2,185 |
| Credit loss provision to net charge-offs | 580.0000% | 568 |
| Earnings coverage of net charge-offs (x) | -28.0667% | 3,869 |
| Efficiency ratio | 131.5829% | 72 |
| Assets per employee ($millions) | 5.6488% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 1,870 |
| Loan loss allowance to noncurrent loans | 33.0138% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 1.5208% | 1,610 |
| Noncurrent loans to loans | 4.8805% | 244 |
| Net loans and leases to total assets | 28.3636% | 6,089 |
| Net loans and leases to deposits | 37.0441% | 5,997 |
| Net loans and leases to core deposits | 37.3666% | 6,039 |
| Total domestic deposits to total assets | 76.5671% | 5,527 |
| Equity capital to assets | 18.1591% | 321 |
| Core capital (leverage) ratio | 17.7330% | 310 |
| Tier 1 risk-based capital ratio | 50.1200% | 148 |
| Total risk-based capital ratio | 51.3709% | 144 |
| Memoranda: | ||
| Average total assets | $121,100,670 | 4,139 |
| Average earning assets | $116,031,330 | 4,033 |
| Average equity | $21,688,670 | 3,036 |
| Average total loans | $35,084,330 | 5,290 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6538% | 6,150 |
| Cost of funding earning assets | 0.4741% | 2,511 |
| Net interest margin | 2.1797% | 6,217 |
| Noninterest income to average assets | 0.1014% | 6,075 |
| Noninterest expense to average assets | 2.9165% | 2,849 |
| Loan and lease loss provision to assets | 0.2845% | 525 |
| Net operating income to assets | -0.5983% | 6,266 |
| Return on assets (ROA) | -0.5983% | 6,275 |
| Pretax return on assets | -1.0103% | 6,312 |
| Return on Equity (ROE) | -3.3636% | 6,225 |
| Retained earnings to average equity (ytd only) | -3.3636% | 5,822 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.1343% | 76 |
| Assets per employee ($millions) | 5.8473% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,913 |
| Loan loss allowance to noncurrent loans | 33.9940% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4659% | 1,798 |
| Noncurrent loans to loans | 4.8334% | 294 |
| Net loans and leases to total assets | 27.5928% | 6,149 |
| Net loans and leases to deposits | 35.7307% | 6,067 |
| Net loans and leases to core deposits | 36.1238% | 6,094 |
| Total domestic deposits to total assets | 77.2243% | 5,577 |
| Equity capital to assets | 17.6460% | 362 |
| Core capital (leverage) ratio | 17.7825% | 303 |
| Tier 1 risk-based capital ratio | 51.7864% | 139 |
| Total risk-based capital ratio | 53.0380% | 140 |
| Memoranda: | ||
| Average total assets | $122,339,000 | 4,139 |
| Average earning assets | $117,266,000 | 4,033 |
| Average equity | $21,762,500 | 3,042 |
| Average total loans | $35,528,000 | 5,317 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8993% | 6,138 |
| Cost of funding earning assets | 0.5064% | 2,608 |
| Net interest margin | 2.3929% | 6,231 |
| Noninterest income to average assets | 0.1151% | 6,104 |
| Noninterest expense to average assets | 2.9239% | 3,070 |
| Loan and lease loss provision to assets | 0.1335% | 1,960 |
| Net operating income to assets | -0.4013% | 6,273 |
| Return on assets (ROA) | -0.4013% | 6,273 |
| Pretax return on assets | -0.6498% | 6,312 |
| Return on Equity (ROE) | -2.2661% | 6,220 |
| Retained earnings to average equity (ytd only) | -2.2661% | 6,037 |
| Net charge-offs to loans | 0.3737% | 1,153 |
| Credit loss provision to net charge-offs | 110.5960% | 2,158 |
| Earnings coverage of net charge-offs (x) | -4.2781% | 4,880 |
| Efficiency ratio | 121.4475% | 123 |
| Assets per employee ($millions) | 5.8040% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 3,391 |
| Loan loss allowance to noncurrent loans | 31.2623% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 2,044 |
| Noncurrent loans to loans | 4.1767% | 423 |
| Net loans and leases to total assets | 29.6427% | 6,186 |
| Net loans and leases to deposits | 38.5518% | 6,080 |
| Net loans and leases to core deposits | 39.0869% | 6,116 |
| Total domestic deposits to total assets | 76.8905% | 5,615 |
| Equity capital to assets | 17.9325% | 321 |
| Core capital (leverage) ratio | 17.9046% | 294 |
| Tier 1 risk-based capital ratio | 56.1075% | 107 |
| Total risk-based capital ratio | 57.3596% | 108 |
| Memoranda: | ||
| Average total assets | $125,108,600 | 4,082 |
| Average earning assets | $119,856,000 | 3,971 |
| Average equity | $22,152,600 | 2,932 |
| Average total loans | $40,410,000 | 5,163 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9327% | 6,177 |
| Cost of funding earning assets | 0.5105% | 2,655 |
| Net interest margin | 2.4222% | 6,285 |
| Noninterest income to average assets | 0.1154% | 6,183 |
| Noninterest expense to average assets | 2.8347% | 3,336 |
| Loan and lease loss provision to assets | 0.1461% | 1,710 |
| Net operating income to assets | -0.3399% | 6,326 |
| Return on assets (ROA) | -0.3399% | 6,324 |
| Pretax return on assets | -0.5443% | 6,367 |
| Return on Equity (ROE) | -1.9256% | 6,279 |
| Retained earnings to average equity (ytd only) | -1.9256% | 6,064 |
| Net charge-offs to loans | 0.4771% | 831 |
| Credit loss provision to net charge-offs | 93.2432% | 2,373 |
| Earnings coverage of net charge-offs (x) | -2.5405% | 4,582 |
| Efficiency ratio | 116.3407% | 154 |
| Assets per employee ($millions) | 5.9290% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 4,701 |
| Loan loss allowance to noncurrent loans | 27.2947% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 1.4384% | 2,146 |
| Noncurrent loans to loans | 4.0678% | 510 |
| Net loans and leases to total assets | 32.3331% | 6,172 |
| Net loans and leases to deposits | 41.8913% | 6,056 |
| Net loans and leases to core deposits | 42.4609% | 6,104 |
| Total domestic deposits to total assets | 77.1834% | 5,647 |
| Equity capital to assets | 17.7022% | 357 |
| Core capital (leverage) ratio | 17.6725% | 316 |
| Tier 1 risk-based capital ratio | 51.1757% | 124 |
| Total risk-based capital ratio | 52.2734% | 123 |
| Memoranda: | ||
| Average total assets | $125,914,500 | 4,093 |
| Average earning assets | $120,660,000 | 3,972 |
| Average equity | $22,226,500 | 2,931 |
| Average total loans | $41,360,500 | 5,176 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 6,216 |
| Cost of funding earning assets | 0.5160% | 2,671 |
| Net interest margin | 2.4426% | 6,326 |
| Noninterest income to average assets | 0.1139% | 6,224 |
| Noninterest expense to average assets | 2.7662% | 3,634 |
| Loan and lease loss provision to assets | 0.0823% | 2,658 |
| Net operating income to assets | -0.2421% | 6,339 |
| Return on assets (ROA) | -0.2421% | 6,353 |
| Pretax return on assets | -0.3972% | 6,396 |
| Return on Equity (ROE) | -1.3729% | 6,295 |
| Retained earnings to average equity (ytd only) | -1.3729% | 5,909 |
| Net charge-offs to loans | 0.2982% | 1,350 |
| Credit loss provision to net charge-offs | 83.8710% | 2,280 |
| Earnings coverage of net charge-offs (x) | -3.2097% | 4,270 |
| Efficiency ratio | 112.8470% | 200 |
| Assets per employee ($millions) | 5.7843% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 4,876 |
| Loan loss allowance to noncurrent loans | 30.7745% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 1.2864% | 2,546 |
| Noncurrent loans to loans | 3.5952% | 726 |
| Net loans and leases to total assets | 31.8188% | 6,251 |
| Net loans and leases to deposits | 40.9840% | 6,109 |
| Net loans and leases to core deposits | 41.5241% | 6,167 |
| Total domestic deposits to total assets | 77.6370% | 5,699 |
| Equity capital to assets | 17.4555% | 370 |
| Core capital (leverage) ratio | 17.4233% | 332 |
| Tier 1 risk-based capital ratio | 50.7090% | 129 |
| Total risk-based capital ratio | 51.7908% | 130 |
| Memoranda: | ||
| Average total assets | $126,382,670 | 4,107 |
| Average earning assets | $120,935,330 | 3,986 |
| Average equity | $22,288,330 | 2,915 |
| Average total loans | $41,577,330 | 5,212 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0461% | 6,191 |
| Cost of funding earning assets | 0.5254% | 2,654 |
| Net interest margin | 2.5207% | 6,317 |
| Noninterest income to average assets | 0.1175% | 6,262 |
| Noninterest expense to average assets | 2.7980% | 3,573 |
| Loan and lease loss provision to assets | 0.0889% | 2,432 |
| Net operating income to assets | -0.2191% | 6,366 |
| Return on assets (ROA) | -0.2191% | 6,370 |
| Pretax return on assets | -0.3621% | 6,415 |
| Return on Equity (ROE) | -1.2362% | 6,316 |
| Retained earnings to average equity (ytd only) | -1.2362% | 5,765 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8176% | 253 |
| Assets per employee ($millions) | 5.4701% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 4,766 |
| Loan loss allowance to noncurrent loans | 24.8479% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 1.6986% | 2,080 |
| Noncurrent loans to loans | 4.7178% | 493 |
| Net loans and leases to total assets | 32.8339% | 6,235 |
| Net loans and leases to deposits | 42.4640% | 6,054 |
| Net loans and leases to core deposits | 42.9189% | 6,125 |
| Total domestic deposits to total assets | 77.3217% | 5,927 |
| Equity capital to assets | 17.7177% | 338 |
| Core capital (leverage) ratio | 17.6899% | 318 |
| Tier 1 risk-based capital ratio | 51.0716% | 127 |
| Total risk-based capital ratio | 52.2420% | 126 |
| Memoranda: | ||
| Average total assets | $125,946,500 | 4,141 |
| Average earning assets | $120,283,000 | 4,034 |
| Average equity | $22,326,000 | 2,912 |
| Average total loans | $41,894,000 | 5,245 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0382% | 6,302 |
| Cost of funding earning assets | 0.5983% | 2,673 |
| Net interest margin | 2.4398% | 6,416 |
| Noninterest income to average assets | 0.1520% | 6,181 |
| Noninterest expense to average assets | 2.6689% | 4,214 |
| Loan and lease loss provision to assets | 0.1996% | 1,867 |
| Net operating income to assets | -0.2341% | 6,384 |
| Return on assets (ROA) | -0.2341% | 6,395 |
| Pretax return on assets | -0.3784% | 6,444 |
| Return on Equity (ROE) | -1.3528% | 6,345 |
| Retained earnings to average equity (ytd only) | -1.3528% | 6,108 |
| Net charge-offs to loans | 0.4394% | 1,514 |
| Credit loss provision to net charge-offs | 131.9797% | 1,784 |
| Earnings coverage of net charge-offs (x) | -1.1827% | 5,277 |
| Efficiency ratio | 107.1825% | 316 |
| Assets per employee ($millions) | 5.7310% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,134 |
| Loan loss allowance to noncurrent loans | 17.5912% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 2.2184% | 1,610 |
| Noncurrent loans to loans | 6.2683% | 311 |
| Net loans and leases to total assets | 32.9360% | 6,341 |
| Net loans and leases to deposits | 42.5799% | 6,196 |
| Net loans and leases to core deposits | 43.3715% | 6,253 |
| Total domestic deposits to total assets | 77.3511% | 5,925 |
| Equity capital to assets | 17.7354% | 335 |
| Core capital (leverage) ratio | 17.7069% | 315 |
| Tier 1 risk-based capital ratio | 51.2971% | 126 |
| Total risk-based capital ratio | 52.4046% | 127 |
| Memoranda: | ||
| Average total assets | $130,278,400 | 4,066 |
| Average earning assets | $124,844,600 | 3,955 |
| Average equity | $22,545,800 | 2,870 |
| Average total loans | $44,830,400 | 5,157 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0421% | 6,379 |
| Cost of funding earning assets | 0.6146% | 2,691 |
| Net interest margin | 2.4275% | 6,490 |
| Noninterest income to average assets | 0.1350% | 6,348 |
| Noninterest expense to average assets | 2.6437% | 4,231 |
| Loan and lease loss provision to assets | 0.2640% | 1,342 |
| Net operating income to assets | -0.2751% | 6,511 |
| Return on assets (ROA) | -0.2751% | 6,526 |
| Pretax return on assets | -0.4426% | 6,572 |
| Return on Equity (ROE) | -1.5993% | 6,461 |
| Retained earnings to average equity (ytd only) | -1.5993% | 6,212 |
| Net charge-offs to loans | 0.5768% | 1,091 |
| Credit loss provision to net charge-offs | 131.9797% | 1,793 |
| Earnings coverage of net charge-offs (x) | -0.8934% | 5,000 |
| Efficiency ratio | 107.2488% | 310 |
| Assets per employee ($millions) | 5.8089% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,456 |
| Loan loss allowance to noncurrent loans | 44.5621% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 3,468 |
| Noncurrent loans to loans | 2.3933% | 1,836 |
| Net loans and leases to total assets | 33.6077% | 6,380 |
| Net loans and leases to deposits | 43.6256% | 6,222 |
| Net loans and leases to core deposits | 44.4262% | 6,285 |
| Total domestic deposits to total assets | 77.0367% | 6,044 |
| Equity capital to assets | 17.5226% | 363 |
| Core capital (leverage) ratio | 17.4960% | 338 |
| Tier 1 risk-based capital ratio | 51.2786% | 127 |
| Total risk-based capital ratio | 52.3840% | 127 |
| Memoranda: | ||
| Average total assets | $131,327,750 | 4,081 |
| Average earning assets | $126,050,750 | 3,962 |
| Average equity | $22,592,000 | 2,894 |
| Average total loans | $45,540,750 | 5,185 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0822% | 6,365 |
| Cost of funding earning assets | 0.6212% | 2,762 |
| Net interest margin | 2.4611% | 6,488 |
| Noninterest income to average assets | 0.1389% | 6,357 |
| Noninterest expense to average assets | 2.6656% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0996% | 6,403 |
| Return on assets (ROA) | -0.0996% | 6,449 |
| Pretax return on assets | -0.1645% | 6,472 |
| Return on Equity (ROE) | -0.5826% | 6,420 |
| Retained earnings to average equity (ytd only) | -0.5826% | 5,976 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5782% | 336 |
| Assets per employee ($millions) | 5.6881% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 6,197 |
| Loan loss allowance to noncurrent loans | 33.8983% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 3,402 |
| Noncurrent loans to loans | 2.5891% | 1,779 |
| Net loans and leases to total assets | 34.5306% | 6,386 |
| Net loans and leases to deposits | 44.2632% | 6,212 |
| Net loans and leases to core deposits | 45.1872% | 6,275 |
| Total domestic deposits to total assets | 78.0120% | 5,979 |
| Equity capital to assets | 17.2810% | 393 |
| Core capital (leverage) ratio | 17.2473% | 350 |
| Tier 1 risk-based capital ratio | 49.0362% | 133 |
| Total risk-based capital ratio | 49.9468% | 135 |
| Memoranda: | ||
| Average total assets | $132,505,330 | 4,088 |
| Average earning assets | $127,180,000 | 3,958 |
| Average equity | $22,658,330 | 2,907 |
| Average total loans | $46,250,330 | 5,171 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1946% | 6,301 |
| Cost of funding earning assets | 0.6176% | 2,941 |
| Net interest margin | 2.5770% | 6,406 |
| Noninterest income to average assets | 0.1320% | 6,435 |
| Noninterest expense to average assets | 2.6638% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0390% | 6,386 |
| Return on assets (ROA) | -0.0390% | 6,445 |
| Pretax return on assets | -0.0660% | 6,454 |
| Return on Equity (ROE) | -0.2292% | 6,443 |
| Retained earnings to average equity (ytd only) | -0.2292% | 5,823 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5404% | 471 |
| Assets per employee ($millions) | 5.8313% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 6,166 |
| Loan loss allowance to noncurrent loans | 35.4184% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1497% | 3,642 |
| Noncurrent loans to loans | 2.6458% | 1,945 |
| Net loans and leases to total assets | 33.0259% | 6,464 |
| Net loans and leases to deposits | 42.0706% | 6,315 |
| Net loans and leases to core deposits | 42.7124% | 6,375 |
| Total domestic deposits to total assets | 78.5012% | 6,049 |
| Equity capital to assets | 16.9081% | 434 |
| Core capital (leverage) ratio | 16.8634% | 367 |
| Tier 1 risk-based capital ratio | 51.2242% | 126 |
| Total risk-based capital ratio | 52.1731% | 128 |
| Memoranda: | ||
| Average total assets | $133,345,000 | 4,117 |
| Average earning assets | $127,591,000 | 3,989 |
| Average equity | $22,683,500 | 2,962 |
| Average total loans | $46,588,000 | 5,191 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 6,111 |
| Cost of funding earning assets | 0.7578% | 3,031 |
| Net interest margin | 2.9071% | 6,211 |
| Noninterest income to average assets | 0.1584% | 6,240 |
| Noninterest expense to average assets | 2.6754% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1697% | 5,841 |
| Return on assets (ROA) | 0.1697% | 6,014 |
| Pretax return on assets | 0.2831% | 5,850 |
| Return on Equity (ROE) | 1.0003% | 6,133 |
| Retained earnings to average equity (ytd only) | 1.0003% | 5,377 |
| Net charge-offs to loans | 0.0958% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.5400% | 2,575 |
| Efficiency ratio | 90.4315% | 1,030 |
| Assets per employee ($millions) | 5.7640% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 6,364 |
| Loan loss allowance to noncurrent loans | 26.5358% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 3,451 |
| Noncurrent loans to loans | 3.2582% | 1,577 |
| Net loans and leases to total assets | 36.2402% | 6,416 |
| Net loans and leases to deposits | 46.3137% | 6,234 |
| Net loans and leases to core deposits | 47.0291% | 6,325 |
| Total domestic deposits to total assets | 78.2494% | 6,038 |
| Equity capital to assets | 17.1154% | 401 |
| Core capital (leverage) ratio | 17.0701% | 348 |
| Tier 1 risk-based capital ratio | 50.0055% | 138 |
| Total risk-based capital ratio | 50.9314% | 139 |
| Memoranda: | ||
| Average total assets | $133,176,200 | 4,079 |
| Average earning assets | $128,270,800 | 3,939 |
| Average equity | $22,592,800 | 2,902 |
| Average total loans | $52,203,600 | 5,006 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 6,147 |
| Cost of funding earning assets | 0.7705% | 3,182 |
| Net interest margin | 2.9702% | 6,231 |
| Noninterest income to average assets | 0.1600% | 6,337 |
| Noninterest expense to average assets | 2.6790% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2090% | 5,892 |
| Return on assets (ROA) | 0.2090% | 6,063 |
| Pretax return on assets | 0.3490% | 5,844 |
| Return on Equity (ROE) | 1.2347% | 6,209 |
| Retained earnings to average equity (ytd only) | 1.2347% | 5,683 |
| Net charge-offs to loans | 0.1255% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 6.9795% | 2,685 |
| Efficiency ratio | 88.4742% | 1,149 |
| Assets per employee ($millions) | 5.7350% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 6,603 |
| Loan loss allowance to noncurrent loans | 22.2577% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 3,265 |
| Noncurrent loans to loans | 3.5892% | 1,509 |
| Net loans and leases to total assets | 39.3513% | 6,332 |
| Net loans and leases to deposits | 50.4500% | 6,080 |
| Net loans and leases to core deposits | 51.3621% | 6,220 |
| Total domestic deposits to total assets | 78.0007% | 6,074 |
| Equity capital to assets | 17.1890% | 436 |
| Core capital (leverage) ratio | 17.1435% | 362 |
| Tier 1 risk-based capital ratio | 46.4581% | 160 |
| Total risk-based capital ratio | 47.3168% | 165 |
| Memoranda: | ||
| Average total assets | $133,327,500 | 4,112 |
| Average earning assets | $128,741,250 | 3,965 |
| Average equity | $22,568,500 | 2,927 |
| Average total loans | $53,138,750 | 5,025 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7951% | 6,154 |
| Cost of funding earning assets | 0.7869% | 3,304 |
| Net interest margin | 3.0082% | 6,225 |
| Noninterest income to average assets | 0.1599% | 6,389 |
| Noninterest expense to average assets | 2.6547% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2436% | 5,785 |
| Return on assets (ROA) | 0.2436% | 5,973 |
| Pretax return on assets | 0.4081% | 5,694 |
| Return on Equity (ROE) | 1.4467% | 6,204 |
| Retained earnings to average equity (ytd only) | 1.4467% | 5,471 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6764% | 1,371 |
| Assets per employee ($millions) | 5.8642% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 6,470 |
| Loan loss allowance to noncurrent loans | 13.7175% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 2.5349% | 2,208 |
| Noncurrent loans to loans | 6.5236% | 645 |
| Net loans and leases to total assets | 38.5099% | 6,439 |
| Net loans and leases to deposits | 48.9760% | 6,244 |
| Net loans and leases to core deposits | 49.9606% | 6,343 |
| Total domestic deposits to total assets | 78.6302% | 6,033 |
| Equity capital to assets | 16.7686% | 474 |
| Core capital (leverage) ratio | 16.7315% | 386 |
| Tier 1 risk-based capital ratio | 46.2533% | 158 |
| Total risk-based capital ratio | 47.2146% | 162 |
| Memoranda: | ||
| Average total assets | $133,802,000 | 4,120 |
| Average earning assets | $129,114,330 | 3,975 |
| Average equity | $22,533,670 | 2,917 |
| Average total loans | $53,410,330 | 5,053 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 6,021 |
| Cost of funding earning assets | 0.8060% | 3,429 |
| Net interest margin | 3.0932% | 6,068 |
| Noninterest income to average assets | 0.1591% | 6,434 |
| Noninterest expense to average assets | 2.6774% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2791% | 5,722 |
| Return on assets (ROA) | 0.2791% | 5,889 |
| Pretax return on assets | 0.4652% | 5,536 |
| Return on Equity (ROE) | 1.6539% | 6,175 |
| Retained earnings to average equity (ytd only) | 1.6539% | 5,409 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1958% | 1,562 |
| Assets per employee ($millions) | 5.8001% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 6,575 |
| Loan loss allowance to noncurrent loans | 13.9087% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 2.5277% | 2,348 |
| Noncurrent loans to loans | 6.3578% | 750 |
| Net loans and leases to total assets | 39.4054% | 6,396 |
| Net loans and leases to deposits | 50.2087% | 6,122 |
| Net loans and leases to core deposits | 51.1088% | 6,268 |
| Total domestic deposits to total assets | 78.4832% | 6,192 |
| Equity capital to assets | 16.8984% | 440 |
| Core capital (leverage) ratio | 16.8639% | 368 |
| Tier 1 risk-based capital ratio | 45.6505% | 160 |
| Total risk-based capital ratio | 46.6021% | 161 |
| Memoranda: | ||
| Average total assets | $133,264,500 | 4,162 |
| Average earning assets | $128,541,500 | 4,013 |
| Average equity | $22,492,000 | 2,914 |
| Average total loans | $53,910,500 | 5,075 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 6,102 |
| Cost of funding earning assets | 0.9651% | 3,611 |
| Net interest margin | 3.2190% | 6,034 |
| Noninterest income to average assets | 0.1812% | 6,195 |
| Noninterest expense to average assets | 2.6362% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3973% | 4,878 |
| Return on assets (ROA) | 0.3973% | 5,049 |
| Pretax return on assets | 0.6386% | 4,561 |
| Return on Equity (ROE) | 2.4135% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.4135% | 4,499 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4989% | 2,240 |
| Assets per employee ($millions) | 6.0512% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 6,634 |
| Loan loss allowance to noncurrent loans | 22.0084% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 1.6007% | 3,550 |
| Noncurrent loans to loans | 3.8898% | 1,610 |
| Net loans and leases to total assets | 40.7997% | 6,484 |
| Net loans and leases to deposits | 51.9467% | 6,223 |
| Net loans and leases to core deposits | 52.7637% | 6,383 |
| Total domestic deposits to total assets | 78.5414% | 6,087 |
| Equity capital to assets | 16.8570% | 466 |
| Core capital (leverage) ratio | 16.8338% | 376 |
| Tier 1 risk-based capital ratio | 44.7195% | 168 |
| Total risk-based capital ratio | 45.6556% | 170 |
| Memoranda: | ||
| Average total assets | $134,665,600 | 4,080 |
| Average earning assets | $129,417,800 | 3,946 |
| Average equity | $22,166,800 | 2,873 |
| Average total loans | $59,077,000 | 4,902 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 6,010 |
| Cost of funding earning assets | 1.0112% | 3,601 |
| Net interest margin | 3.2670% | 5,960 |
| Noninterest income to average assets | 0.1728% | 6,349 |
| Noninterest expense to average assets | 2.6439% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4196% | 4,907 |
| Return on assets (ROA) | 0.4196% | 5,098 |
| Pretax return on assets | 0.6674% | 4,587 |
| Return on Equity (ROE) | 2.5642% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.5642% | 4,832 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8450% | 2,271 |
| Assets per employee ($millions) | 5.4011% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 6,792 |
| Loan loss allowance to noncurrent loans | 33.5000% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 4,604 |
| Noncurrent loans to loans | 2.4334% | 2,842 |
| Net loans and leases to total assets | 44.0209% | 6,329 |
| Net loans and leases to deposits | 56.5445% | 5,975 |
| Net loans and leases to core deposits | 57.4624% | 6,173 |
| Total domestic deposits to total assets | 77.8518% | 6,215 |
| Equity capital to assets | 17.2302% | 463 |
| Core capital (leverage) ratio | 17.2040% | 382 |
| Tier 1 risk-based capital ratio | 43.0494% | 201 |
| Total risk-based capital ratio | 43.9550% | 202 |
| Memoranda: | ||
| Average total assets | $135,050,500 | 4,098 |
| Average earning assets | $129,740,000 | 3,963 |
| Average equity | $22,098,250 | 2,878 |
| Average total loans | $60,150,250 | 4,895 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 5,883 |
| Cost of funding earning assets | 1.0769% | 3,416 |
| Net interest margin | 3.2598% | 5,972 |
| Noninterest income to average assets | 0.1768% | 6,391 |
| Noninterest expense to average assets | 2.6246% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4369% | 4,784 |
| Return on assets (ROA) | 0.4369% | 4,921 |
| Pretax return on assets | 0.6795% | 4,466 |
| Return on Equity (ROE) | 2.7158% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.7158% | 4,557 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4339% | 2,476 |
| Assets per employee ($millions) | 5.6640% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 6,913 |
| Loan loss allowance to noncurrent loans | 33.5000% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 4,819 |
| Noncurrent loans to loans | 2.3132% | 3,082 |
| Net loans and leases to total assets | 44.1771% | 6,421 |
| Net loans and leases to deposits | 58.6358% | 5,862 |
| Net loans and leases to core deposits | 59.3785% | 6,148 |
| Total domestic deposits to total assets | 75.3415% | 6,690 |
| Equity capital to assets | 16.3223% | 571 |
| Core capital (leverage) ratio | 16.3100% | 471 |
| Tier 1 risk-based capital ratio | 41.0070% | 229 |
| Total risk-based capital ratio | 41.8746% | 229 |
| Memoranda: | ||
| Average total assets | $136,858,330 | 4,090 |
| Average earning assets | $131,297,330 | 3,952 |
| Average equity | $22,019,330 | 2,876 |
| Average total loans | $61,023,000 | 4,909 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 6,067 |
| Cost of funding earning assets | 1.1007% | 3,514 |
| Net interest margin | 3.1777% | 6,141 |
| Noninterest income to average assets | 0.1689% | 6,519 |
| Noninterest expense to average assets | 2.6187% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3583% | 5,132 |
| Return on assets (ROA) | 0.3583% | 5,215 |
| Pretax return on assets | 0.6030% | 4,673 |
| Return on Equity (ROE) | 2.2430% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.2430% | 4,801 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2839% | 2,333 |
| Assets per employee ($millions) | 5.6666% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 6,976 |
| Loan loss allowance to noncurrent loans | 24.7232% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 1.3949% | 4,199 |
| Noncurrent loans to loans | 3.1066% | 2,413 |
| Net loans and leases to total assets | 44.5551% | 6,424 |
| Net loans and leases to deposits | 59.0286% | 5,820 |
| Net loans and leases to core deposits | 59.9240% | 6,095 |
| Total domestic deposits to total assets | 75.4805% | 6,741 |
| Equity capital to assets | 16.1745% | 545 |
| Core capital (leverage) ratio | 16.1714% | 471 |
| Tier 1 risk-based capital ratio | 40.4674% | 231 |
| Total risk-based capital ratio | 41.3304% | 233 |
| Memoranda: | ||
| Average total assets | $137,319,000 | 4,116 |
| Average earning assets | $131,919,000 | 3,978 |
| Average equity | $21,935,000 | 2,875 |
| Average total loans | $61,273,500 | 4,947 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 6,775 |
| Cost of funding earning assets | 1.4145% | 3,169 |
| Net interest margin | 2.8975% | 6,896 |
| Noninterest income to average assets | 0.1677% | 6,529 |
| Noninterest expense to average assets | 2.4915% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2765% | 5,016 |
| Return on assets (ROA) | 0.2765% | 5,179 |
| Pretax return on assets | 0.4657% | 4,744 |
| Return on Equity (ROE) | 1.8434% | 5,448 |
| Retained earnings to average equity (ytd only) | 1.8434% | 4,574 |
| Net charge-offs to loans | 0.0052% | 6,794 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 109 |
| Efficiency ratio | 84.2512% | 1,890 |
| Assets per employee ($millions) | 6.0278% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 7,040 |
| Loan loss allowance to noncurrent loans | 27.6207% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 4,572 |
| Noncurrent loans to loans | 2.7617% | 2,757 |
| Net loans and leases to total assets | 44.0097% | 6,710 |
| Net loans and leases to deposits | 59.3508% | 6,120 |
| Net loans and leases to core deposits | 60.2474% | 6,374 |
| Total domestic deposits to total assets | 74.1518% | 6,871 |
| Equity capital to assets | 15.7768% | 626 |
| Core capital (leverage) ratio | 15.7744% | 536 |
| Tier 1 risk-based capital ratio | 40.3413% | 232 |
| Total risk-based capital ratio | 41.2064% | 235 |
| Memoranda: | ||
| Average total assets | $144,289,600 | 3,980 |
| Average earning assets | $138,914,000 | 3,839 |
| Average equity | $21,644,200 | 2,923 |
| Average total loans | $58,156,000 | 5,148 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 6,973 |
| Cost of funding earning assets | 1.4733% | 3,128 |
| Net interest margin | 2.8193% | 7,108 |
| Noninterest income to average assets | 0.1638% | 6,694 |
| Noninterest expense to average assets | 2.4753% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2397% | 5,391 |
| Return on assets (ROA) | 0.2397% | 5,551 |
| Pretax return on assets | 0.4045% | 5,204 |
| Return on Equity (ROE) | 1.6182% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.6182% | 5,142 |
| Net charge-offs to loans | 0.0070% | 6,570 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 147.3300% | 215 |
| Efficiency ratio | 85.9549% | 1,638 |
| Assets per employee ($millions) | 5.9827% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 7,052 |
| Loan loss allowance to noncurrent loans | 23.3217% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 4,355 |
| Noncurrent loans to loans | 3.3274% | 2,388 |
| Net loans and leases to total assets | 41.7655% | 6,990 |
| Net loans and leases to deposits | 56.9907% | 6,542 |
| Net loans and leases to core deposits | 58.2557% | 6,714 |
| Total domestic deposits to total assets | 73.2848% | 7,006 |
| Equity capital to assets | 15.1381% | 859 |
| Core capital (leverage) ratio | 15.1357% | 688 |
| Tier 1 risk-based capital ratio | 39.8161% | 250 |
| Total risk-based capital ratio | 40.6753% | 250 |
| Memoranda: | ||
| Average total assets | $145,702,000 | 4,011 |
| Average earning assets | $140,364,250 | 3,862 |
| Average equity | $21,587,000 | 2,970 |
| Average total loans | $57,324,000 | 5,257 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 7,079 |
| Cost of funding earning assets | 1.5060% | 3,225 |
| Net interest margin | 2.7738% | 7,183 |
| Noninterest income to average assets | 0.1598% | 6,751 |
| Noninterest expense to average assets | 2.4944% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1994% | 5,564 |
| Return on assets (ROA) | 0.1994% | 5,696 |
| Pretax return on assets | 0.3374% | 5,399 |
| Return on Equity (ROE) | 1.3558% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.3558% | 5,203 |
| Net charge-offs to loans | 0.0107% | 6,200 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 82.3333% | 390 |
| Efficiency ratio | 88.0849% | 1,501 |
| Assets per employee ($millions) | 5.9768% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 6,991 |
| Loan loss allowance to noncurrent loans | 21.3085% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 1.4730% | 4,256 |
| Noncurrent loans to loans | 3.8470% | 1,997 |
| Net loans and leases to total assets | 37.9764% | 7,270 |
| Net loans and leases to deposits | 50.9990% | 7,024 |
| Net loans and leases to core deposits | 52.1817% | 7,126 |
| Total domestic deposits to total assets | 74.4651% | 6,914 |
| Equity capital to assets | 14.4694% | 1,020 |
| Core capital (leverage) ratio | 14.4671% | 824 |
| Tier 1 risk-based capital ratio | 39.8959% | 249 |
| Total risk-based capital ratio | 40.7615% | 251 |
| Memoranda: | ||
| Average total assets | $146,407,670 | 4,024 |
| Average earning assets | $141,036,000 | 3,884 |
| Average equity | $21,537,330 | 2,973 |
| Average total loans | $56,286,000 | 5,342 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 7,198 |
| Cost of funding earning assets | 1.5514% | 3,258 |
| Net interest margin | 2.7041% | 7,297 |
| Noninterest income to average assets | 0.1518% | 6,881 |
| Noninterest expense to average assets | 2.5479% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1215% | 5,960 |
| Return on assets (ROA) | 0.1215% | 6,075 |
| Pretax return on assets | 0.2070% | 5,859 |
| Return on Equity (ROE) | 0.8188% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.8188% | 5,490 |
| Net charge-offs to loans | 0.0215% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 992 |
| Efficiency ratio | 92.4850% | 1,247 |
| Assets per employee ($millions) | 6.1253% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 7,038 |
| Loan loss allowance to noncurrent loans | 19.8982% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 1.6033% | 4,088 |
| Noncurrent loans to loans | 4.1990% | 1,838 |
| Net loans and leases to total assets | 37.8639% | 7,352 |
| Net loans and leases to deposits | 51.0571% | 7,077 |
| Net loans and leases to core deposits | 52.3862% | 7,178 |
| Total domestic deposits to total assets | 74.1599% | 7,025 |
| Equity capital to assets | 14.6373% | 970 |
| Core capital (leverage) ratio | 14.6350% | 817 |
| Tier 1 risk-based capital ratio | 40.4863% | 246 |
| Total risk-based capital ratio | 41.3689% | 245 |
| Memoranda: | ||
| Average total assets | $144,902,000 | 4,116 |
| Average earning assets | $139,489,500 | 3,975 |
| Average equity | $21,496,000 | 3,002 |
| Average total loans | $55,822,500 | 5,430 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 7,288 |
| Cost of funding earning assets | 1.7690% | 4,155 |
| Net interest margin | 2.8326% | 7,004 |
| Noninterest income to average assets | 0.1808% | 6,798 |
| Noninterest expense to average assets | 2.7033% | 5,374 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1185% | 5,151 |
| Return on assets (ROA) | 0.1185% | 5,207 |
| Pretax return on assets | 0.2022% | 5,003 |
| Return on Equity (ROE) | 0.7482% | 5,312 |
| Retained earnings to average equity (ytd only) | 0.7482% | 4,487 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0393% | 1,480 |
| Assets per employee ($millions) | 5.7118% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,982 |
| Loan loss allowance to noncurrent loans | 23.8023% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 1.3887% | 4,337 |
| Noncurrent loans to loans | 3.5721% | 2,120 |
| Net loans and leases to total assets | 38.5452% | 7,427 |
| Net loans and leases to deposits | 52.5461% | 7,128 |
| Net loans and leases to core deposits | 62.4699% | 7,173 |
| Total domestic deposits to total assets | 73.3550% | 7,110 |
| Equity capital to assets | 15.0382% | 902 |
| Core capital (leverage) ratio | 15.0359% | 779 |
| Tier 1 risk-based capital ratio | 41.1326% | 230 |
| Total risk-based capital ratio | 42.0369% | 235 |
| Memoranda: | ||
| Average total assets | $134,984,600 | 4,239 |
| Average earning assets | $129,847,200 | 4,092 |
| Average equity | $21,385,600 | 3,031 |
| Average total loans | $55,148,800 | 5,457 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 7,373 |
| Cost of funding earning assets | 1.7863% | 4,440 |
| Net interest margin | 2.8463% | 6,970 |
| Noninterest income to average assets | 0.1844% | 6,907 |
| Noninterest expense to average assets | 2.7331% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1102% | 5,434 |
| Return on assets (ROA) | 0.1102% | 5,491 |
| Pretax return on assets | 0.1884% | 5,328 |
| Return on Equity (ROE) | 0.6865% | 5,580 |
| Retained earnings to average equity (ytd only) | 0.6865% | 4,901 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5506% | 1,428 |
| Assets per employee ($millions) | 5.7292% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 6,937 |
| Loan loss allowance to noncurrent loans | 26.2514% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 4,550 |
| Noncurrent loans to loans | 3.2578% | 2,329 |
| Net loans and leases to total assets | 38.2029% | 7,540 |
| Net loans and leases to deposits | 53.0676% | 7,253 |
| Net loans and leases to core deposits | 65.5729% | 7,178 |
| Total domestic deposits to total assets | 71.9891% | 7,214 |
| Equity capital to assets | 14.9578% | 1,013 |
| Core capital (leverage) ratio | 14.9554% | 868 |
| Tier 1 risk-based capital ratio | 41.2470% | 264 |
| Total risk-based capital ratio | 42.1559% | 264 |
| Memoranda: | ||
| Average total assets | $133,031,750 | 4,299 |
| Average earning assets | $127,931,000 | 4,151 |
| Average equity | $21,363,500 | 3,050 |
| Average total loans | $55,057,750 | 5,512 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 7,375 |
| Cost of funding earning assets | 1.7789% | 4,866 |
| Net interest margin | 2.9301% | 6,734 |
| Noninterest income to average assets | 0.1913% | 6,928 |
| Noninterest expense to average assets | 2.8805% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0725% | 5,639 |
| Return on assets (ROA) | 0.0725% | 5,734 |
| Pretax return on assets | 0.1265% | 5,612 |
| Return on Equity (ROE) | 0.4404% | 5,801 |
| Retained earnings to average equity (ytd only) | 0.4404% | 5,039 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7927% | 1,393 |
| Assets per employee ($millions) | 5.5374% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 6,948 |
| Loan loss allowance to noncurrent loans | 83.5398% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 6,439 |
| Noncurrent loans to loans | 1.0270% | 5,163 |
| Net loans and leases to total assets | 39.4004% | 7,575 |
| Net loans and leases to deposits | 55.4292% | 7,198 |
| Net loans and leases to core deposits | 66.5666% | 7,184 |
| Total domestic deposits to total assets | 71.0825% | 7,355 |
| Equity capital to assets | 15.4311% | 941 |
| Core capital (leverage) ratio | 15.4280% | 838 |
| Tier 1 risk-based capital ratio | 42.6509% | 260 |
| Total risk-based capital ratio | 43.5935% | 260 |
| Memoranda: | ||
| Average total assets | $129,632,330 | 4,400 |
| Average earning assets | $124,569,670 | 4,253 |
| Average equity | $21,343,330 | 3,056 |
| Average total loans | $55,013,670 | 5,557 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9589% | 7,038 |
| Cost of funding earning assets | 1.7817% | 5,197 |
| Net interest margin | 3.1771% | 5,933 |
| Noninterest income to average assets | 0.2012% | 6,850 |
| Noninterest expense to average assets | 2.9961% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1469% | 5,831 |
| Return on assets (ROA) | 0.1469% | 6,000 |
| Pretax return on assets | 0.2523% | 5,815 |
| Return on Equity (ROE) | 0.8625% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.8625% | 5,314 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2321% | 1,553 |
| Assets per employee ($millions) | 5.0491% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 6,944 |
| Loan loss allowance to noncurrent loans | 58.1281% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 5,561 |
| Noncurrent loans to loans | 1.4699% | 4,098 |
| Net loans and leases to total assets | 43.3882% | 7,386 |
| Net loans and leases to deposits | 63.5234% | 6,604 |
| Net loans and leases to core deposits | 73.0474% | 6,861 |
| Total domestic deposits to total assets | 68.3026% | 7,574 |
| Equity capital to assets | 16.9210% | 731 |
| Core capital (leverage) ratio | 16.9190% | 667 |
| Tier 1 risk-based capital ratio | 43.8693% | 269 |
| Total risk-based capital ratio | 44.8388% | 268 |
| Memoranda: | ||
| Average total assets | $125,231,000 | 4,515 |
| Average earning assets | $120,108,000 | 4,380 |
| Average equity | $21,334,000 | 3,068 |
| Average total loans | $55,012,500 | 5,592 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3477% | 7,541 |
| Cost of funding earning assets | 1.9254% | 6,659 |
| Net interest margin | 3.4223% | 5,569 |
| Noninterest income to average assets | 0.2062% | 6,969 |
| Noninterest expense to average assets | 2.7660% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4301% | 5,029 |
| Return on assets (ROA) | 0.4301% | 4,849 |
| Pretax return on assets | 0.7217% | 4,328 |
| Return on Equity (ROE) | 2.5356% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.5356% | 3,627 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3072% | 2,706 |
| Assets per employee ($millions) | 4.9694% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 6,843 |
| Loan loss allowance to noncurrent loans | 61.6188% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 5,354 |
| Noncurrent loans to loans | 1.3982% | 3,719 |
| Net loans and leases to total assets | 43.7183% | 7,490 |
| Net loans and leases to deposits | 66.0196% | 6,643 |
| Net loans and leases to core deposits | 74.4881% | 6,939 |
| Total domestic deposits to total assets | 66.2202% | 7,645 |
| Equity capital to assets | 17.1523% | 765 |
| Core capital (leverage) ratio | 17.1530% | 679 |
| Tier 1 risk-based capital ratio | 44.4607% | 268 |
| Total risk-based capital ratio | 45.4454% | 268 |
| Memoranda: | ||
| Average total assets | $124,150,600 | 4,416 |
| Average earning assets | $119,042,200 | 4,283 |
| Average equity | $21,060,200 | 3,092 |
| Average total loans | $53,484,600 | 5,548 |