Home > Memorial City Bank > Performance and Condition Ratios
Memorial City Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2050% | 5,615 |
| Cost of funding earning assets | 0.2458% | 4,987 |
| Net interest margin | 2.9592% | 5,316 |
| Noninterest income to average assets | 0.0852% | 6,074 |
| Noninterest expense to average assets | 1.9329% | 5,660 |
| Loan and lease loss provision to assets | 0.3550% | 370 |
| Net operating income to assets | 0.3061% | 5,426 |
| Return on assets (ROA) | 0.3061% | 5,526 |
| Pretax return on assets | 0.4736% | 5,292 |
| Return on Equity (ROE) | 2.0395% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.0395% | 4,677 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8524% | 4,040 |
| Assets per employee ($millions) | 9.7584% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2500% | 6,232 |
| Loan loss allowance to noncurrent loans | 17.5932% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 2,428 |
| Noncurrent loans to loans | 1.4209% | 1,886 |
| Net loans and leases to total assets | 73.0186% | 1,817 |
| Net loans and leases to deposits | 90.3027% | 1,558 |
| Net loans and leases to core deposits | 93.4562% | 2,010 |
| Total domestic deposits to total assets | 80.8598% | 4,649 |
| Equity capital to assets | 18.6582% | 284 |
| Core capital (leverage) ratio | 10.3531% | 3,140 |
| Tier 1 risk-based capital ratio | 13.1889% | 4,399 |
| Total risk-based capital ratio | 13.4318% | 4,914 |
| Memoranda: | ||
| Average total assets | $281,651,330 | 2,290 |
| Average earning assets | $254,727,330 | 2,335 |
| Average equity | $42,265,330 | 1,750 |
| Average total loans | $207,238,000 | 2,030 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3091% | 6,285 |
| Cost of funding earning assets | 0.1885% | 5,614 |
| Net interest margin | 2.1206% | 6,239 |
| Noninterest income to average assets | 0.0658% | 6,189 |
| Noninterest expense to average assets | 1.3727% | 6,252 |
| Loan and lease loss provision to assets | 0.2799% | 544 |
| Net operating income to assets | 0.2393% | 5,591 |
| Return on assets (ROA) | 0.2393% | 5,681 |
| Pretax return on assets | 0.3652% | 5,505 |
| Return on Equity (ROE) | 1.8044% | 5,728 |
| Retained earnings to average equity (ytd only) | 1.8044% | 4,747 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6436% | 4,042 |
| Assets per employee ($millions) | 10.2436% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0952% | 6,344 |
| Loan loss allowance to noncurrent loans | 81.6327% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 5,613 |
| Noncurrent loans to loans | 0.1167% | 5,349 |
| Net loans and leases to total assets | 70.6231% | 2,056 |
| Net loans and leases to deposits | 85.3238% | 1,919 |
| Net loans and leases to core deposits | 89.6859% | 2,158 |
| Total domestic deposits to total assets | 82.7707% | 4,244 |
| Equity capital to assets | 16.8742% | 446 |
| Core capital (leverage) ratio | 9.9374% | 3,683 |
| Tier 1 risk-based capital ratio | 12.4571% | 4,935 |
| Total risk-based capital ratio | 12.5497% | 5,569 |
| Memoranda: | ||
| Average total assets | $285,859,000 | 2,280 |
| Average earning assets | $263,136,500 | 2,293 |
| Average equity | $37,907,500 | 1,930 |
| Average total loans | $210,850,500 | 2,007 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,508 |
| Cost of funding earning assets | 0.4154% | 3,533 |
| Net interest margin | 3.9114% | 2,197 |
| Noninterest income to average assets | 0.1167% | 6,100 |
| Noninterest expense to average assets | 2.5967% | 4,235 |
| Loan and lease loss provision to assets | 0.0081% | 4,461 |
| Net operating income to assets | 0.8298% | 3,225 |
| Return on assets (ROA) | 0.6031% | 4,448 |
| Pretax return on assets | 0.9151% | 3,848 |
| Return on Equity (ROE) | 7.0263% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.0263% | 1,397 |
| Net charge-offs to loans | -0.0065% | 5,504 |
| Credit loss provision to net charge-offs | -164.2857% | 5,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2130% | 4,028 |
| Assets per employee ($millions) | 8.8598% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 5,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.3525% | 1,216 |
| Net loans and leases to deposits | 85.8511% | 2,001 |
| Net loans and leases to core deposits | 91.0321% | 2,187 |
| Total domestic deposits to total assets | 88.9359% | 1,270 |
| Equity capital to assets | 9.3528% | 4,909 |
| Core capital (leverage) ratio | 8.8504% | 5,182 |
| Tier 1 risk-based capital ratio | 11.5938% | 5,610 |
| Total risk-based capital ratio | 12.5188% | 5,704 |
| Memoranda: | ||
| Average total assets | $282,702,400 | 2,255 |
| Average earning assets | $270,798,400 | 2,191 |
| Average equity | $24,265,800 | 2,731 |
| Average total loans | $213,858,400 | 1,942 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 2,430 |
| Cost of funding earning assets | 0.4223% | 3,552 |
| Net interest margin | 3.9263% | 2,135 |
| Noninterest income to average assets | 0.1124% | 6,198 |
| Noninterest expense to average assets | 2.6206% | 4,125 |
| Loan and lease loss provision to assets | 0.0108% | 4,204 |
| Net operating income to assets | 0.8185% | 3,351 |
| Return on assets (ROA) | 0.5184% | 4,872 |
| Pretax return on assets | 0.7835% | 4,421 |
| Return on Equity (ROE) | 6.1729% | 4,145 |
| Retained earnings to average equity (ytd only) | 6.1729% | 2,289 |
| Net charge-offs to loans | -0.0087% | 5,401 |
| Credit loss provision to net charge-offs | -164.2857% | 5,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7236% | 3,907 |
| Assets per employee ($millions) | 8.4577% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 5,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 74.7977% | 1,397 |
| Net loans and leases to deposits | 83.6723% | 2,196 |
| Net loans and leases to core deposits | 90.1064% | 2,212 |
| Total domestic deposits to total assets | 89.3936% | 1,031 |
| Equity capital to assets | 8.9819% | 5,371 |
| Core capital (leverage) ratio | 8.6452% | 5,503 |
| Tier 1 risk-based capital ratio | 11.3997% | 5,836 |
| Total risk-based capital ratio | 12.3291% | 5,916 |
| Memoranda: | ||
| Average total assets | $284,714,250 | 2,258 |
| Average earning assets | $272,448,500 | 2,193 |
| Average equity | $23,910,250 | 2,769 |
| Average total loans | $214,396,500 | 1,954 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,369 |
| Cost of funding earning assets | 0.4143% | 3,713 |
| Net interest margin | 3.9395% | 2,014 |
| Noninterest income to average assets | 0.1131% | 6,229 |
| Noninterest expense to average assets | 2.6847% | 3,922 |
| Loan and lease loss provision to assets | 0.0161% | 3,937 |
| Net operating income to assets | 0.7848% | 3,403 |
| Return on assets (ROA) | 0.3308% | 5,535 |
| Pretax return on assets | 0.4906% | 5,302 |
| Return on Equity (ROE) | 4.0299% | 5,130 |
| Retained earnings to average equity (ytd only) | 4.0299% | 3,614 |
| Net charge-offs to loans | -0.0130% | 5,399 |
| Credit loss provision to net charge-offs | -164.2857% | 5,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3903% | 3,761 |
| Assets per employee ($millions) | 7.7695% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 5,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 77.5981% | 959 |
| Net loans and leases to deposits | 86.2644% | 1,797 |
| Net loans and leases to core deposits | 92.6818% | 1,885 |
| Total domestic deposits to total assets | 89.9538% | 838 |
| Equity capital to assets | 8.4930% | 5,809 |
| Core capital (leverage) ratio | 8.7849% | 5,284 |
| Tier 1 risk-based capital ratio | 10.4795% | 6,257 |
| Total risk-based capital ratio | 11.3574% | 6,322 |
| Memoranda: | ||
| Average total assets | $286,584,000 | 2,245 |
| Average earning assets | $273,230,000 | 2,186 |
| Average equity | $23,524,000 | 2,799 |
| Average total loans | $215,607,330 | 1,935 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 2,298 |
| Cost of funding earning assets | 0.4360% | 3,589 |
| Net interest margin | 3.9226% | 2,003 |
| Noninterest income to average assets | 0.1258% | 6,219 |
| Noninterest expense to average assets | 2.7203% | 3,869 |
| Loan and lease loss provision to assets | 0.0559% | 2,999 |
| Net operating income to assets | 0.7278% | 3,554 |
| Return on assets (ROA) | 0.7772% | 3,347 |
| Pretax return on assets | 1.1449% | 2,718 |
| Return on Equity (ROE) | 9.6367% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.6367% | 1,067 |
| Net charge-offs to loans | -0.0247% | 5,453 |
| Credit loss provision to net charge-offs | -307.6923% | 5,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6865% | 3,707 |
| Assets per employee ($millions) | 7.6975% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 5,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 73.3762% | 1,373 |
| Net loans and leases to deposits | 81.5209% | 2,095 |
| Net loans and leases to core deposits | 87.7279% | 2,125 |
| Total domestic deposits to total assets | 90.0091% | 1,070 |
| Equity capital to assets | 8.0857% | 5,988 |
| Core capital (leverage) ratio | 8.5001% | 5,645 |
| Tier 1 risk-based capital ratio | 10.6982% | 6,275 |
| Total risk-based capital ratio | 11.5998% | 6,337 |
| Memoranda: | ||
| Average total assets | $286,140,500 | 2,260 |
| Average earning assets | $271,551,500 | 2,208 |
| Average equity | $23,078,500 | 2,838 |
| Average total loans | $210,875,000 | 1,971 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 2,934 |
| Cost of funding earning assets | 0.4178% | 4,454 |
| Net interest margin | 3.8896% | 2,329 |
| Noninterest income to average assets | 0.0812% | 6,455 |
| Noninterest expense to average assets | 2.8616% | 3,489 |
| Loan and lease loss provision to assets | 0.1059% | 3,025 |
| Net operating income to assets | 0.5984% | 4,266 |
| Return on assets (ROA) | 0.6120% | 4,326 |
| Pretax return on assets | 0.8257% | 4,051 |
| Return on Equity (ROE) | 7.0125% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.0125% | 1,426 |
| Net charge-offs to loans | -0.0035% | 5,893 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8101% | 2,808 |
| Assets per employee ($millions) | 7.1737% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 5,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 72.6084% | 1,577 |
| Net loans and leases to deposits | 80.7246% | 2,359 |
| Net loans and leases to core deposits | 87.3154% | 2,318 |
| Total domestic deposits to total assets | 89.9459% | 1,101 |
| Equity capital to assets | 8.0443% | 5,984 |
| Core capital (leverage) ratio | 8.0272% | 6,113 |
| Tier 1 risk-based capital ratio | 11.0266% | 6,161 |
| Total risk-based capital ratio | 11.9533% | 6,252 |
| Memoranda: | ||
| Average total assets | $255,070,600 | 2,486 |
| Average earning assets | $242,209,000 | 2,407 |
| Average equity | $22,260,200 | 2,897 |
| Average total loans | $173,680,600 | 2,261 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 3,041 |
| Cost of funding earning assets | 0.4260% | 4,540 |
| Net interest margin | 3.8626% | 2,408 |
| Noninterest income to average assets | 0.0830% | 6,534 |
| Noninterest expense to average assets | 2.8868% | 3,354 |
| Loan and lease loss provision to assets | 0.1446% | 2,475 |
| Net operating income to assets | 0.5288% | 4,671 |
| Return on assets (ROA) | 0.5475% | 4,734 |
| Pretax return on assets | 0.7387% | 4,544 |
| Return on Equity (ROE) | 6.1383% | 4,113 |
| Retained earnings to average equity (ytd only) | 6.1383% | 2,321 |
| Net charge-offs to loans | -0.0032% | 5,726 |
| Credit loss provision to net charge-offs | -6,750.0000% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0848% | 2,547 |
| Assets per employee ($millions) | 7.9640% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 5,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.5062% | 3,619 |
| Net loans and leases to deposits | 68.0414% | 4,057 |
| Net loans and leases to core deposits | 71.9698% | 4,098 |
| Total domestic deposits to total assets | 88.9255% | 1,599 |
| Equity capital to assets | 7.4422% | 6,413 |
| Core capital (leverage) ratio | 8.8713% | 5,292 |
| Tier 1 risk-based capital ratio | 11.2841% | 6,159 |
| Total risk-based capital ratio | 12.2587% | 6,240 |
| Memoranda: | ||
| Average total assets | $248,894,250 | 2,559 |
| Average earning assets | $235,967,000 | 2,475 |
| Average equity | $22,198,750 | 2,938 |
| Average total loans | $165,824,750 | 2,359 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 2,392 |
| Cost of funding earning assets | 0.4509% | 4,418 |
| Net interest margin | 3.9964% | 1,867 |
| Noninterest income to average assets | 0.0805% | 6,585 |
| Noninterest expense to average assets | 3.0560% | 2,816 |
| Loan and lease loss provision to assets | 0.1541% | 2,392 |
| Net operating income to assets | 0.5008% | 4,795 |
| Return on assets (ROA) | 0.5188% | 4,888 |
| Pretax return on assets | 0.6883% | 4,721 |
| Return on Equity (ROE) | 5.4378% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.4378% | 2,779 |
| Net charge-offs to loans | -0.0037% | 5,588 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8776% | 2,327 |
| Assets per employee ($millions) | 6.1742% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 69.2275% | 2,028 |
| Net loans and leases to deposits | 78.0901% | 2,561 |
| Net loans and leases to core deposits | 83.6894% | 2,599 |
| Total domestic deposits to total assets | 88.6508% | 1,808 |
| Equity capital to assets | 9.1215% | 5,075 |
| Core capital (leverage) ratio | 9.3780% | 4,419 |
| Tier 1 risk-based capital ratio | 12.2820% | 5,635 |
| Total risk-based capital ratio | 13.3133% | 5,709 |
| Memoranda: | ||
| Average total assets | $233,636,000 | 2,708 |
| Average earning assets | $221,802,000 | 2,618 |
| Average equity | $22,288,330 | 2,954 |
| Average total loans | $161,015,000 | 2,424 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 2,499 |
| Cost of funding earning assets | 0.4578% | 4,505 |
| Net interest margin | 3.9496% | 1,949 |
| Noninterest income to average assets | 0.0765% | 6,649 |
| Noninterest expense to average assets | 3.1262% | 2,595 |
| Loan and lease loss provision to assets | 0.1565% | 2,302 |
| Net operating income to assets | 0.4181% | 5,055 |
| Return on assets (ROA) | 0.4555% | 5,049 |
| Pretax return on assets | 0.5929% | 4,972 |
| Return on Equity (ROE) | 4.6680% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.6680% | 3,434 |
| Net charge-offs to loans | -0.0051% | 5,270 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6901% | 2,084 |
| Assets per employee ($millions) | 6.2481% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 5,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 69.7230% | 1,708 |
| Net loans and leases to deposits | 81.2773% | 1,928 |
| Net loans and leases to core deposits | 85.2998% | 2,179 |
| Total domestic deposits to total assets | 85.7842% | 3,643 |
| Equity capital to assets | 9.7366% | 4,514 |
| Core capital (leverage) ratio | 9.6909% | 3,806 |
| Tier 1 risk-based capital ratio | 12.8644% | 5,323 |
| Total risk-based capital ratio | 13.9069% | 5,424 |
| Memoranda: | ||
| Average total assets | $230,057,500 | 2,773 |
| Average earning assets | $218,451,500 | 2,686 |
| Average equity | $22,450,500 | 2,986 |
| Average total loans | $157,240,000 | 2,495 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 2,732 |
| Cost of funding earning assets | 0.5423% | 4,884 |
| Net interest margin | 4.1227% | 1,910 |
| Noninterest income to average assets | 0.0864% | 6,560 |
| Noninterest expense to average assets | 3.0863% | 2,969 |
| Loan and lease loss provision to assets | 0.1109% | 4,246 |
| Net operating income to assets | 0.5846% | 4,308 |
| Return on assets (ROA) | 0.7258% | 3,866 |
| Pretax return on assets | 0.9929% | 3,569 |
| Return on Equity (ROE) | 7.1160% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.6533% | 1,742 |
| Net charge-offs to loans | 0.0190% | 5,643 |
| Credit loss provision to net charge-offs | 839.2857% | 295 |
| Earnings coverage of net charge-offs (x) | 68.8929% | 530 |
| Efficiency ratio | 77.2228% | 2,559 |
| Assets per employee ($millions) | 6.0246% | 1,262 |
| Cash dividends to net income (ytd only)* | 6.5020% | 4,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 65.4458% | 2,623 |
| Net loans and leases to deposits | 74.4832% | 3,030 |
| Net loans and leases to core deposits | 79.0091% | 3,148 |
| Total domestic deposits to total assets | 87.8665% | 2,315 |
| Equity capital to assets | 9.7809% | 4,483 |
| Core capital (leverage) ratio | 9.3711% | 4,295 |
| Tier 1 risk-based capital ratio | 13.4337% | 4,803 |
| Total risk-based capital ratio | 14.4755% | 4,887 |
| Memoranda: | ||
| Average total assets | $211,902,000 | 2,906 |
| Average earning assets | $200,986,800 | 2,834 |
| Average equity | $21,613,400 | 3,025 |
| Average total loans | $147,124,800 | 2,619 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 2,787 |
| Cost of funding earning assets | 0.5638% | 4,970 |
| Net interest margin | 4.1422% | 1,930 |
| Noninterest income to average assets | 0.0828% | 6,679 |
| Noninterest expense to average assets | 3.0693% | 2,980 |
| Loan and lease loss provision to assets | 0.1220% | 4,028 |
| Net operating income to assets | 0.5925% | 4,426 |
| Return on assets (ROA) | 0.6896% | 4,215 |
| Pretax return on assets | 0.9561% | 3,891 |
| Return on Equity (ROE) | 6.6855% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.2187% | 2,553 |
| Net charge-offs to loans | 0.0265% | 5,294 |
| Credit loss provision to net charge-offs | 655.1724% | 412 |
| Earnings coverage of net charge-offs (x) | 50.6496% | 748 |
| Efficiency ratio | 76.4922% | 2,597 |
| Assets per employee ($millions) | 5.9685% | 1,271 |
| Cash dividends to net income (ytd only)* | 6.9834% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 5,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 66.9474% | 2,476 |
| Net loans and leases to deposits | 76.5040% | 2,909 |
| Net loans and leases to core deposits | 81.6376% | 3,008 |
| Total domestic deposits to total assets | 87.5084% | 2,342 |
| Equity capital to assets | 10.0514% | 4,420 |
| Core capital (leverage) ratio | 10.1252% | 3,363 |
| Tier 1 risk-based capital ratio | 13.4010% | 4,949 |
| Total risk-based capital ratio | 14.4253% | 5,078 |
| Memoranda: | ||
| Average total assets | $207,643,500 | 2,991 |
| Average earning assets | $196,990,750 | 2,898 |
| Average equity | $21,418,750 | 3,075 |
| Average total loans | $146,027,000 | 2,660 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 2,645 |
| Cost of funding earning assets | 0.6011% | 4,894 |
| Net interest margin | 4.1679% | 1,840 |
| Noninterest income to average assets | 0.0709% | 6,793 |
| Noninterest expense to average assets | 3.0869% | 2,966 |
| Loan and lease loss provision to assets | 0.1870% | 3,232 |
| Net operating income to assets | 0.5366% | 4,647 |
| Return on assets (ROA) | 0.6544% | 4,349 |
| Pretax return on assets | 0.9024% | 4,071 |
| Return on Equity (ROE) | 6.2856% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.8130% | 2,817 |
| Net charge-offs to loans | 0.0124% | 5,279 |
| Credit loss provision to net charge-offs | 2,111.1111% | 143 |
| Earnings coverage of net charge-offs (x) | 104.7778% | 407 |
| Efficiency ratio | 76.8873% | 2,616 |
| Assets per employee ($millions) | 5.7194% | 1,428 |
| Cash dividends to net income (ytd only)* | 7.5188% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 70.4089% | 1,849 |
| Net loans and leases to deposits | 81.0348% | 2,223 |
| Net loans and leases to core deposits | 104.9313% | 795 |
| Total domestic deposits to total assets | 86.8873% | 2,840 |
| Equity capital to assets | 10.5221% | 3,662 |
| Core capital (leverage) ratio | 10.1138% | 3,253 |
| Tier 1 risk-based capital ratio | 13.4307% | 4,884 |
| Total risk-based capital ratio | 14.5013% | 4,974 |
| Memoranda: | ||
| Average total assets | $203,246,000 | 3,053 |
| Average earning assets | $192,328,000 | 2,966 |
| Average equity | $21,159,330 | 3,096 |
| Average total loans | $144,874,330 | 2,688 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 2,683 |
| Cost of funding earning assets | 0.6124% | 5,034 |
| Net interest margin | 4.1759% | 1,833 |
| Noninterest income to average assets | 0.0693% | 6,859 |
| Noninterest expense to average assets | 3.0567% | 3,061 |
| Loan and lease loss provision to assets | 0.2674% | 2,319 |
| Net operating income to assets | 0.5037% | 4,813 |
| Return on assets (ROA) | 0.5052% | 5,015 |
| Pretax return on assets | 0.7052% | 4,773 |
| Return on Equity (ROE) | 4.8789% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.4005% | 3,957 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8977% | 2,803 |
| Assets per employee ($millions) | 6.4378% | 1,017 |
| Cash dividends to net income (ytd only)* | 9.8039% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 69.7128% | 1,806 |
| Net loans and leases to deposits | 77.7818% | 2,550 |
| Net loans and leases to core deposits | 102.5521% | 838 |
| Total domestic deposits to total assets | 89.6261% | 1,286 |
| Equity capital to assets | 10.2195% | 3,827 |
| Core capital (leverage) ratio | 10.3799% | 2,895 |
| Tier 1 risk-based capital ratio | 13.4224% | 4,887 |
| Total risk-based capital ratio | 14.4811% | 5,024 |
| Memoranda: | ||
| Average total assets | $201,919,000 | 3,085 |
| Average earning assets | $191,384,500 | 3,003 |
| Average equity | $20,906,500 | 3,115 |
| Average total loans | $143,994,500 | 2,721 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 2,933 |
| Cost of funding earning assets | 0.8053% | 4,830 |
| Net interest margin | 4.1827% | 2,116 |
| Noninterest income to average assets | 0.0606% | 6,794 |
| Noninterest expense to average assets | 3.3298% | 2,421 |
| Loan and lease loss provision to assets | 0.1303% | 4,991 |
| Net operating income to assets | 0.5587% | 4,192 |
| Return on assets (ROA) | 0.6522% | 3,926 |
| Pretax return on assets | 0.5763% | 4,760 |
| Return on Equity (ROE) | 5.7252% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.3522% | 2,411 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4496% | 1,713 |
| Assets per employee ($millions) | 5.9948% | 1,231 |
| Cash dividends to net income (ytd only)* | 6.5161% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 6,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 71.4149% | 1,746 |
| Net loans and leases to deposits | 79.9516% | 2,525 |
| Net loans and leases to core deposits | 90.3244% | 2,078 |
| Total domestic deposits to total assets | 89.3227% | 1,352 |
| Equity capital to assets | 10.4939% | 3,543 |
| Core capital (leverage) ratio | 10.6639% | 2,556 |
| Tier 1 risk-based capital ratio | 13.2178% | 4,899 |
| Total risk-based capital ratio | 14.1855% | 5,104 |
| Memoranda: | ||
| Average total assets | $176,467,400 | 3,388 |
| Average earning assets | $163,795,200 | 3,336 |
| Average equity | $20,104,000 | 3,124 |
| Average total loans | $128,266,000 | 3,013 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 2,749 |
| Cost of funding earning assets | 0.8544% | 4,739 |
| Net interest margin | 4.2174% | 2,034 |
| Noninterest income to average assets | 0.0623% | 6,908 |
| Noninterest expense to average assets | 3.4196% | 2,141 |
| Loan and lease loss provision to assets | 0.1091% | 5,076 |
| Net operating income to assets | 0.5984% | 4,093 |
| Return on assets (ROA) | 0.7012% | 3,782 |
| Pretax return on assets | 0.5283% | 5,047 |
| Return on Equity (ROE) | 6.0179% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.6836% | 2,754 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4828% | 1,486 |
| Assets per employee ($millions) | 5.4210% | 1,679 |
| Cash dividends to net income (ytd only)* | 5.5560% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 6,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 73.0133% | 1,502 |
| Net loans and leases to deposits | 82.7730% | 2,212 |
| Net loans and leases to core deposits | 93.1520% | 1,867 |
| Total domestic deposits to total assets | 88.2091% | 1,919 |
| Equity capital to assets | 11.5399% | 2,646 |
| Core capital (leverage) ratio | 11.2624% | 2,186 |
| Tier 1 risk-based capital ratio | 14.2346% | 4,174 |
| Total risk-based capital ratio | 15.2232% | 4,342 |
| Memoranda: | ||
| Average total assets | $171,126,750 | 3,497 |
| Average earning assets | $157,914,750 | 3,468 |
| Average equity | $19,940,000 | 3,152 |
| Average total loans | $124,642,500 | 3,110 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 3,226 |
| Cost of funding earning assets | 0.8681% | 4,921 |
| Net interest margin | 4.1181% | 2,346 |
| Noninterest income to average assets | 0.0570% | 7,017 |
| Noninterest expense to average assets | 3.4520% | 2,115 |
| Loan and lease loss provision to assets | 0.0949% | 5,144 |
| Net operating income to assets | 0.7547% | 3,265 |
| Return on assets (ROA) | 0.7547% | 3,396 |
| Pretax return on assets | 0.3323% | 5,593 |
| Return on Equity (ROE) | 6.4551% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.2014% | 2,299 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9875% | 1,321 |
| Assets per employee ($millions) | 5.2232% | 1,846 |
| Cash dividends to net income (ytd only)* | 3.9308% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 6,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 72.3370% | 1,723 |
| Net loans and leases to deposits | 82.1288% | 2,435 |
| Net loans and leases to core deposits | 91.9261% | 2,146 |
| Total domestic deposits to total assets | 88.0776% | 2,094 |
| Equity capital to assets | 11.7130% | 2,319 |
| Core capital (leverage) ratio | 11.9183% | 1,651 |
| Tier 1 risk-based capital ratio | 15.6030% | 3,181 |
| Total risk-based capital ratio | 16.6307% | 3,262 |
| Memoranda: | ||
| Average total assets | $168,538,330 | 3,563 |
| Average earning assets | $156,431,000 | 3,519 |
| Average equity | $19,705,330 | 3,169 |
| Average total loans | $122,188,330 | 3,187 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 3,173 |
| Cost of funding earning assets | 0.8922% | 4,978 |
| Net interest margin | 4.0912% | 2,299 |
| Noninterest income to average assets | 0.0552% | 7,116 |
| Noninterest expense to average assets | 3.3536% | 2,399 |
| Loan and lease loss provision to assets | 0.0480% | 5,401 |
| Net operating income to assets | 0.4513% | 4,715 |
| Return on assets (ROA) | 0.4513% | 4,798 |
| Pretax return on assets | 0.4513% | 5,183 |
| Return on Equity (ROE) | 3.8636% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.8636% | 3,851 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0405% | 1,608 |
| Assets per employee ($millions) | 5.6833% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 6,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 70.7623% | 1,970 |
| Net loans and leases to deposits | 80.0846% | 2,711 |
| Net loans and leases to core deposits | 91.7441% | 2,160 |
| Total domestic deposits to total assets | 88.3595% | 2,165 |
| Equity capital to assets | 11.4699% | 2,301 |
| Core capital (leverage) ratio | 11.8860% | 1,627 |
| Tier 1 risk-based capital ratio | 15.4359% | 3,186 |
| Total risk-based capital ratio | 16.4297% | 3,284 |
| Memoranda: | ||
| Average total assets | $166,625,500 | 3,611 |
| Average earning assets | $154,675,000 | 3,569 |
| Average equity | $19,463,500 | 3,195 |
| Average total loans | $120,276,000 | 3,252 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 4,211 |
| Cost of funding earning assets | 1.0021% | 5,676 |
| Net interest margin | 4.0724% | 2,696 |
| Noninterest income to average assets | 0.0434% | 7,144 |
| Noninterest expense to average assets | 3.2289% | 2,981 |
| Loan and lease loss provision to assets | 0.2105% | 5,148 |
| Net operating income to assets | 0.3488% | 4,747 |
| Return on assets (ROA) | 0.4932% | 4,289 |
| Pretax return on assets | 0.4932% | 4,643 |
| Return on Equity (ROE) | 3.8782% | 4,582 |
| Retained earnings to average equity (ytd only) | 3.8782% | 3,154 |
| Net charge-offs to loans | 0.1135% | 5,748 |
| Credit loss provision to net charge-offs | 252.0000% | 1,121 |
| Earnings coverage of net charge-offs (x) | 6.6960% | 2,303 |
| Efficiency ratio | 85.2355% | 1,777 |
| Assets per employee ($millions) | 5.8126% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 6,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.1238% | 2,076 |
| Net loans and leases to deposits | 82.0298% | 2,797 |
| Net loans and leases to core deposits | 96.5091% | 1,941 |
| Total domestic deposits to total assets | 87.9240% | 2,297 |
| Equity capital to assets | 11.9022% | 1,966 |
| Core capital (leverage) ratio | 12.0702% | 1,497 |
| Tier 1 risk-based capital ratio | 14.6077% | 3,474 |
| Total risk-based capital ratio | 15.5423% | 3,633 |
| Memoranda: | ||
| Average total assets | $149,649,600 | 3,881 |
| Average earning assets | $137,610,800 | 3,863 |
| Average equity | $19,029,400 | 3,276 |
| Average total loans | $110,177,800 | 3,545 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 4,773 |
| Cost of funding earning assets | 1.0400% | 5,741 |
| Net interest margin | 3.9687% | 3,243 |
| Noninterest income to average assets | 0.0401% | 7,319 |
| Noninterest expense to average assets | 3.2582% | 2,718 |
| Loan and lease loss provision to assets | 0.2186% | 4,883 |
| Net operating income to assets | 0.2131% | 5,473 |
| Return on assets (ROA) | 0.4099% | 4,882 |
| Pretax return on assets | 0.4099% | 5,190 |
| Return on Equity (ROE) | 3.1672% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.1672% | 4,211 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2992% | 1,435 |
| Assets per employee ($millions) | 5.8818% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 5,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 71.2130% | 2,431 |
| Net loans and leases to deposits | 88.6676% | 1,915 |
| Net loans and leases to core deposits | 110.8082% | 992 |
| Total domestic deposits to total assets | 80.3146% | 5,607 |
| Equity capital to assets | 12.0762% | 2,109 |
| Core capital (leverage) ratio | 13.1903% | 1,158 |
| Tier 1 risk-based capital ratio | 14.7865% | 3,349 |
| Total risk-based capital ratio | 15.7879% | 3,458 |
| Memoranda: | ||
| Average total assets | $146,374,000 | 3,993 |
| Average earning assets | $134,615,000 | 3,978 |
| Average equity | $18,944,000 | 3,329 |
| Average total loans | $108,064,000 | 3,637 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 4,578 |
| Cost of funding earning assets | 1.1002% | 5,668 |
| Net interest margin | 3.9769% | 3,130 |
| Noninterest income to average assets | 0.0380% | 7,393 |
| Noninterest expense to average assets | 3.2834% | 2,613 |
| Loan and lease loss provision to assets | 0.3375% | 3,711 |
| Net operating income to assets | 0.0970% | 5,873 |
| Return on assets (ROA) | 0.4022% | 4,907 |
| Pretax return on assets | 0.4022% | 5,218 |
| Return on Equity (ROE) | 3.0319% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.0319% | 4,182 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3132% | 1,483 |
| Assets per employee ($millions) | 5.3014% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 77.3563% | 1,222 |
| Net loans and leases to deposits | 90.7717% | 1,731 |
| Net loans and leases to core deposits | 121.2649% | 657 |
| Total domestic deposits to total assets | 85.2207% | 3,509 |
| Equity capital to assets | 13.2941% | 1,442 |
| Core capital (leverage) ratio | 13.2662% | 1,121 |
| Tier 1 risk-based capital ratio | 15.4250% | 2,940 |
| Total risk-based capital ratio | 16.4787% | 3,005 |
| Memoranda: | ||
| Average total assets | $142,229,330 | 4,090 |
| Average earning assets | $131,611,330 | 4,064 |
| Average equity | $18,866,000 | 3,320 |
| Average total loans | $105,954,670 | 3,718 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 5,217 |
| Cost of funding earning assets | 1.1146% | 5,832 |
| Net interest margin | 3.8400% | 3,624 |
| Noninterest income to average assets | 0.0367% | 7,523 |
| Noninterest expense to average assets | 3.1656% | 2,988 |
| Loan and lease loss provision to assets | 0.2398% | 4,124 |
| Net operating income to assets | 0.2567% | 5,468 |
| Return on assets (ROA) | 0.2567% | 5,596 |
| Pretax return on assets | 0.2567% | 5,732 |
| Return on Equity (ROE) | 1.9378% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.9378% | 4,967 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4407% | 1,745 |
| Assets per employee ($millions) | 5.8030% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 6,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 72.5066% | 2,328 |
| Net loans and leases to deposits | 84.6326% | 2,830 |
| Net loans and leases to core deposits | 112.0271% | 1,162 |
| Total domestic deposits to total assets | 85.6722% | 3,335 |
| Equity capital to assets | 12.9760% | 1,537 |
| Core capital (leverage) ratio | 13.3365% | 1,121 |
| Tier 1 risk-based capital ratio | 15.8177% | 2,721 |
| Total risk-based capital ratio | 16.7798% | 2,799 |
| Memoranda: | ||
| Average total assets | $141,774,500 | 4,161 |
| Average earning assets | $133,855,000 | 4,078 |
| Average equity | $18,784,500 | 3,351 |
| Average total loans | $102,918,500 | 3,860 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 6,131 |
| Cost of funding earning assets | 1.2219% | 6,583 |
| Net interest margin | 3.8675% | 3,404 |
| Noninterest income to average assets | 0.0384% | 7,556 |
| Noninterest expense to average assets | 3.7176% | 1,872 |
| Loan and lease loss provision to assets | 0.6938% | 3,048 |
| Net operating income to assets | -0.7079% | 6,374 |
| Return on assets (ROA) | -0.6282% | 6,292 |
| Pretax return on assets | -0.6282% | 6,121 |
| Return on Equity (ROE) | -3.5503% | 6,063 |
| Retained earnings to average equity (ytd only) | -3.5503% | 5,803 |
| Net charge-offs to loans | 0.1139% | 6,027 |
| Credit loss provision to net charge-offs | 822.2222% | 356 |
| Earnings coverage of net charge-offs (x) | -0.1667% | 6,406 |
| Efficiency ratio | 100.3797% | 1,082 |
| Assets per employee ($millions) | 5.5390% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 6,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 71.0913% | 2,972 |
| Net loans and leases to deposits | 82.4246% | 3,558 |
| Net loans and leases to core deposits | 169.8699% | 238 |
| Total domestic deposits to total assets | 86.2501% | 2,889 |
| Equity capital to assets | 13.5361% | 1,304 |
| Core capital (leverage) ratio | 13.3825% | 1,132 |
| Tier 1 risk-based capital ratio | 16.8572% | 2,183 |
| Total risk-based capital ratio | 17.8105% | 2,239 |
| Memoranda: | ||
| Average total assets | $106,653,400 | 4,913 |
| Average earning assets | $101,074,000 | 4,808 |
| Average equity | $18,871,600 | 3,364 |
| Average total loans | $79,001,000 | 4,553 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8810% | 6,925 |
| Cost of funding earning assets | 1.1596% | 7,004 |
| Net interest margin | 3.7214% | 3,981 |
| Noninterest income to average assets | 0.0405% | 7,689 |
| Noninterest expense to average assets | 3.7960% | 1,597 |
| Loan and lease loss provision to assets | 0.8646% | 2,221 |
| Net operating income to assets | -1.0740% | 6,878 |
| Return on assets (ROA) | -1.0740% | 6,885 |
| Pretax return on assets | -1.0740% | 6,738 |
| Return on Equity (ROE) | -5.6073% | 6,514 |
| Retained earnings to average equity (ytd only) | -5.6073% | 6,337 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8380% | 859 |
| Assets per employee ($millions) | 5.0636% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 69.9133% | 3,537 |
| Net loans and leases to deposits | 81.5731% | 4,101 |
| Net loans and leases to core deposits | 167.0957% | 294 |
| Total domestic deposits to total assets | 85.7064% | 2,861 |
| Equity capital to assets | 14.1007% | 1,276 |
| Core capital (leverage) ratio | 15.1653% | 826 |
| Tier 1 risk-based capital ratio | 18.1932% | 1,938 |
| Total risk-based capital ratio | 19.2223% | 1,941 |
| Memoranda: | ||
| Average total assets | $98,698,250 | 5,160 |
| Average earning assets | $94,049,250 | 5,036 |
| Average equity | $18,903,500 | 3,382 |
| Average total loans | $73,875,500 | 4,781 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 7,322 |
| Cost of funding earning assets | 1.0653% | 7,444 |
| Net interest margin | 3.6831% | 4,028 |
| Noninterest income to average assets | 0.0479% | 7,745 |
| Noninterest expense to average assets | 3.9880% | 1,330 |
| Loan and lease loss provision to assets | 1.0876% | 1,577 |
| Net operating income to assets | -1.5117% | 7,253 |
| Return on assets (ROA) | -1.5117% | 7,254 |
| Pretax return on assets | -1.5117% | 7,094 |
| Return on Equity (ROE) | -6.9728% | 6,796 |
| Retained earnings to average equity (ytd only) | -6.9728% | 6,553 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9002% | 799 |
| Assets per employee ($millions) | 4.2376% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 85.0447% | 503 |
| Net loans and leases to deposits | 104.7359% | 855 |
| Net loans and leases to core deposits | 214.1022% | 88 |
| Total domestic deposits to total assets | 81.1992% | 5,001 |
| Equity capital to assets | 18.3829% | 517 |
| Core capital (leverage) ratio | 25.5058% | 195 |
| Tier 1 risk-based capital ratio | 19.6314% | 1,644 |
| Total risk-based capital ratio | 20.5628% | 1,672 |
| Memoranda: | ||
| Average total assets | $87,713,330 | 5,535 |
| Average earning assets | $83,734,670 | 5,420 |
| Average equity | $19,016,670 | 3,386 |
| Average total loans | $67,469,670 | 5,047 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 7,907 |
| Cost of funding earning assets | 0.9142% | 7,796 |
| Net interest margin | 3.2829% | 5,558 |
| Noninterest income to average assets | 0.0644% | 7,745 |
| Noninterest expense to average assets | 3.8802% | 1,337 |
| Loan and lease loss provision to assets | 1.1249% | 1,159 |
| Net operating income to assets | -1.8088% | 7,608 |
| Return on assets (ROA) | -1.8088% | 7,610 |
| Pretax return on assets | -1.8088% | 7,475 |
| Return on Equity (ROE) | -7.6133% | 7,209 |
| Retained earnings to average equity (ytd only) | -7.6133% | 6,872 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.3953% | 611 |
| Assets per employee ($millions) | 4.8617% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 70.3463% | 3,600 |
| Net loans and leases to deposits | 88.6653% | 3,157 |
| Net loans and leases to core deposits | 200.0154% | 142 |
| Total domestic deposits to total assets | 79.3392% | 5,597 |
| Equity capital to assets | 20.5623% | 385 |
| Core capital (leverage) ratio | 25.3727% | 223 |
| Tier 1 risk-based capital ratio | 25.2997% | 951 |
| Total risk-based capital ratio | 26.1482% | 963 |
| Memoranda: | ||
| Average total assets | $80,718,500 | 5,795 |
| Average earning assets | $77,005,500 | 5,655 |
| Average equity | $19,177,000 | 3,390 |
| Average total loans | $57,514,500 | 5,477 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 8,131 |
| Cost of funding earning assets | 0.7035% | 8,148 |
| Net interest margin | 2.9815% | 6,963 |
| Noninterest income to average assets | 0.0373% | 7,949 |
| Noninterest expense to average assets | 5.0196% | 616 |
| Loan and lease loss provision to assets | 0.7651% | 1,950 |
| Net operating income to assets | -2.9241% | 7,812 |
| Return on assets (ROA) | -2.7916% | 7,748 |
| Pretax return on assets | -2.7916% | 7,658 |
| Return on Equity (ROE) | -7.5376% | 7,095 |
| Retained earnings to average equity (ytd only) | -7.5376% | 6,838 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.4729% | 264 |
| Assets per employee ($millions) | 3.6349% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 6,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.9501% | 3,796 |
| Net loans and leases to deposits | 98.7525% | 2,015 |
| Net loans and leases to core deposits | 178.3865% | 306 |
| Total domestic deposits to total assets | 71.8464% | 7,031 |
| Equity capital to assets | 28.0320% | 197 |
| Core capital (leverage) ratio | 29.0822% | 200 |
| Tier 1 risk-based capital ratio | 34.6755% | 458 |
| Total risk-based capital ratio | 35.4098% | 466 |
| Memoranda: | ||
| Average total assets | $53,590,000 | 6,635 |
| Average earning assets | $50,745,500 | 6,565 |
| Average equity | $19,847,250 | 3,255 |
| Average total loans | $29,557,250 | 6,733 |