Home > N.J.M. Bank, FSB > Performance and Condition Ratios
N.J.M. Bank, FSB, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0894% | 6,046 |
| Cost of funding earning assets | 1.1615% | 103 |
| Net interest margin | 1.9278% | 6,464 |
| Noninterest income to average assets | 0.0882% | 6,287 |
| Noninterest expense to average assets | 3.0545% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3677% | 6,331 |
| Return on assets (ROA) | -1.4520% | 6,497 |
| Pretax return on assets | -2.7705% | 6,551 |
| Return on Equity (ROE) | -11.6880% | 6,463 |
| Retained earnings to average equity (ytd only) | -11.6880% | 6,407 |
| Net charge-offs to loans | 0.1075% | 2,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -19.1882% | 4,652 |
| Efficiency ratio | 154.4074% | 47 |
| Assets per employee ($millions) | 9.0151% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4914% | 6,350 |
| Loan loss allowance to noncurrent loans | 47.7280% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 3,900 |
| Noncurrent loans to loans | 1.0296% | 3,013 |
| Net loans and leases to total assets | 62.4540% | 3,417 |
| Net loans and leases to deposits | 73.9340% | 3,436 |
| Net loans and leases to core deposits | 79.4089% | 3,388 |
| Total domestic deposits to total assets | 84.4726% | 3,558 |
| Equity capital to assets | 15.1711% | 700 |
| Core capital (leverage) ratio | 14.9897% | 619 |
| Tier 1 risk-based capital ratio | 34.7841% | 359 |
| Total risk-based capital ratio | 35.6890% | 367 |
| Memoranda: | ||
| Average total assets | $568,105,250 | 1,174 |
| Average earning assets | $556,951,000 | 1,097 |
| Average equity | $70,577,750 | 1,040 |
| Average total loans | $296,423,250 | 1,446 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 6,183 |
| Cost of funding earning assets | 1.1232% | 132 |
| Net interest margin | 1.8750% | 6,540 |
| Noninterest income to average assets | 0.0837% | 6,336 |
| Noninterest expense to average assets | 1.5263% | 6,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2461% | 5,725 |
| Return on assets (ROA) | 0.2588% | 5,766 |
| Pretax return on assets | 0.4157% | 5,509 |
| Return on Equity (ROE) | 2.2074% | 5,791 |
| Retained earnings to average equity (ytd only) | 2.2074% | 4,786 |
| Net charge-offs to loans | 0.0361% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 22.1481% | 1,513 |
| Efficiency ratio | 79.4042% | 2,106 |
| Assets per employee ($millions) | 10.3043% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5412% | 6,370 |
| Loan loss allowance to noncurrent loans | 50.8405% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 4,418 |
| Noncurrent loans to loans | 1.0646% | 3,102 |
| Net loans and leases to total assets | 49.2891% | 5,043 |
| Net loans and leases to deposits | 65.3281% | 4,347 |
| Net loans and leases to core deposits | 69.8295% | 4,285 |
| Total domestic deposits to total assets | 75.4485% | 5,973 |
| Equity capital to assets | 12.2874% | 1,784 |
| Core capital (leverage) ratio | 12.3380% | 1,480 |
| Tier 1 risk-based capital ratio | 32.0472% | 444 |
| Total risk-based capital ratio | 32.9155% | 449 |
| Memoranda: | ||
| Average total assets | $604,217,330 | 1,105 |
| Average earning assets | $592,428,000 | 1,044 |
| Average equity | $70,853,000 | 1,028 |
| Average total loans | $299,043,670 | 1,433 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0752% | 6,151 |
| Cost of funding earning assets | 1.1268% | 140 |
| Net interest margin | 1.9484% | 6,605 |
| Noninterest income to average assets | 0.0797% | 6,390 |
| Noninterest expense to average assets | 1.5414% | 6,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2759% | 5,581 |
| Return on assets (ROA) | 0.2759% | 5,627 |
| Pretax return on assets | 0.4464% | 5,319 |
| Return on Equity (ROE) | 2.4094% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.4094% | 4,628 |
| Net charge-offs to loans | 0.0293% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 30.8182% | 1,034 |
| Efficiency ratio | 77.5422% | 2,546 |
| Assets per employee ($millions) | 10.1146% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5460% | 6,458 |
| Loan loss allowance to noncurrent loans | 51.4475% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 4,577 |
| Noncurrent loans to loans | 1.0613% | 3,303 |
| Net loans and leases to total assets | 49.0707% | 4,995 |
| Net loans and leases to deposits | 64.4100% | 4,273 |
| Net loans and leases to core deposits | 69.6899% | 4,127 |
| Total domestic deposits to total assets | 76.1850% | 6,061 |
| Equity capital to assets | 11.7351% | 2,073 |
| Core capital (leverage) ratio | 11.8803% | 1,715 |
| Tier 1 risk-based capital ratio | 31.2337% | 477 |
| Total risk-based capital ratio | 32.1091% | 483 |
| Memoranda: | ||
| Average total assets | $607,500,500 | 1,114 |
| Average earning assets | $594,947,500 | 1,053 |
| Average equity | $69,561,500 | 1,047 |
| Average total loans | $300,475,500 | 1,437 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9348% | 6,399 |
| Cost of funding earning assets | 1.2220% | 156 |
| Net interest margin | 1.7128% | 6,698 |
| Noninterest income to average assets | 0.1219% | 6,314 |
| Noninterest expense to average assets | 1.4220% | 6,619 |
| Loan and lease loss provision to assets | 0.1016% | 3,106 |
| Net operating income to assets | 0.2332% | 5,740 |
| Return on assets (ROA) | 0.3919% | 5,283 |
| Pretax return on assets | 0.4756% | 5,275 |
| Return on Equity (ROE) | 3.4563% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.4563% | 3,774 |
| Net charge-offs to loans | 0.3244% | 2,060 |
| Credit loss provision to net charge-offs | 66.1554% | 3,400 |
| Earnings coverage of net charge-offs (x) | 2.4980% | 4,179 |
| Efficiency ratio | 78.7510% | 2,351 |
| Assets per employee ($millions) | 10.3073% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5496% | 6,526 |
| Loan loss allowance to noncurrent loans | 48.7353% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 4,551 |
| Noncurrent loans to loans | 1.1276% | 3,285 |
| Net loans and leases to total assets | 49.3090% | 5,158 |
| Net loans and leases to deposits | 64.1975% | 4,487 |
| Net loans and leases to core deposits | 69.5368% | 4,334 |
| Total domestic deposits to total assets | 76.8083% | 6,006 |
| Equity capital to assets | 11.1664% | 2,466 |
| Core capital (leverage) ratio | 11.4637% | 1,990 |
| Tier 1 risk-based capital ratio | 29.8674% | 507 |
| Total risk-based capital ratio | 30.7410% | 517 |
| Memoranda: | ||
| Average total assets | $636,696,600 | 1,051 |
| Average earning assets | $625,936,600 | 970 |
| Average equity | $72,186,600 | 985 |
| Average total loans | $301,470,200 | 1,400 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8821% | 6,502 |
| Cost of funding earning assets | 1.2307% | 171 |
| Net interest margin | 1.6514% | 6,792 |
| Noninterest income to average assets | 0.1276% | 6,381 |
| Noninterest expense to average assets | 1.4076% | 6,688 |
| Loan and lease loss provision to assets | 0.0466% | 4,084 |
| Net operating income to assets | 0.1895% | 5,938 |
| Return on assets (ROA) | 0.3081% | 5,708 |
| Pretax return on assets | 0.4844% | 5,400 |
| Return on Equity (ROE) | 2.7082% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.7082% | 4,697 |
| Net charge-offs to loans | 0.1539% | 3,007 |
| Credit loss provision to net charge-offs | 64.6552% | 3,189 |
| Earnings coverage of net charge-offs (x) | 4.7960% | 3,351 |
| Efficiency ratio | 80.2858% | 2,053 |
| Assets per employee ($millions) | 11.1983% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 6,539 |
| Loan loss allowance to noncurrent loans | 26.3642% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 3,397 |
| Noncurrent loans to loans | 2.3493% | 1,871 |
| Net loans and leases to total assets | 47.7179% | 5,384 |
| Net loans and leases to deposits | 61.8486% | 4,783 |
| Net loans and leases to core deposits | 66.8924% | 4,634 |
| Total domestic deposits to total assets | 77.1528% | 6,030 |
| Equity capital to assets | 11.1525% | 2,617 |
| Core capital (leverage) ratio | 11.2856% | 2,210 |
| Tier 1 risk-based capital ratio | 28.4911% | 595 |
| Total risk-based capital ratio | 29.4003% | 609 |
| Memoranda: | ||
| Average total assets | $643,838,750 | 1,047 |
| Average earning assets | $633,778,250 | 964 |
| Average equity | $73,256,750 | 983 |
| Average total loans | $301,458,000 | 1,402 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8648% | 6,564 |
| Cost of funding earning assets | 1.2408% | 182 |
| Net interest margin | 1.6240% | 6,840 |
| Noninterest income to average assets | 0.1321% | 6,392 |
| Noninterest expense to average assets | 1.4157% | 6,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1962% | 5,905 |
| Return on assets (ROA) | 0.3730% | 5,489 |
| Pretax return on assets | 0.5928% | 5,041 |
| Return on Equity (ROE) | 3.2570% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.2570% | 4,231 |
| Net charge-offs to loans | 0.2281% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.9884% | 3,536 |
| Efficiency ratio | 81.7244% | 1,924 |
| Assets per employee ($millions) | 11.6233% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5492% | 6,665 |
| Loan loss allowance to noncurrent loans | 25.9020% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 3,779 |
| Noncurrent loans to loans | 2.1203% | 2,259 |
| Net loans and leases to total assets | 46.5679% | 5,470 |
| Net loans and leases to deposits | 60.0749% | 4,972 |
| Net loans and leases to core deposits | 64.9558% | 4,794 |
| Total domestic deposits to total assets | 77.5163% | 6,061 |
| Equity capital to assets | 11.0263% | 2,728 |
| Core capital (leverage) ratio | 11.1280% | 2,230 |
| Tier 1 risk-based capital ratio | 28.0229% | 626 |
| Total risk-based capital ratio | 28.8283% | 645 |
| Memoranda: | ||
| Average total assets | $649,416,330 | 1,036 |
| Average earning assets | $639,898,000 | 957 |
| Average equity | $74,363,000 | 977 |
| Average total loans | $301,575,000 | 1,396 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8841% | 6,624 |
| Cost of funding earning assets | 1.2553% | 186 |
| Net interest margin | 1.6289% | 6,922 |
| Noninterest income to average assets | 0.1332% | 6,430 |
| Noninterest expense to average assets | 1.4100% | 6,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2103% | 5,854 |
| Return on assets (ROA) | 0.5733% | 4,493 |
| Pretax return on assets | 0.8972% | 3,776 |
| Return on Equity (ROE) | 4.9174% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.9174% | 3,285 |
| Net charge-offs to loans | 0.0066% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 352 |
| Efficiency ratio | 81.0327% | 2,182 |
| Assets per employee ($millions) | 11.9397% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 6,641 |
| Loan loss allowance to noncurrent loans | 30.3861% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 3,936 |
| Noncurrent loans to loans | 2.1724% | 2,421 |
| Net loans and leases to total assets | 45.4441% | 5,496 |
| Net loans and leases to deposits | 58.9157% | 4,920 |
| Net loans and leases to core deposits | 63.6967% | 4,776 |
| Total domestic deposits to total assets | 77.1342% | 6,240 |
| Equity capital to assets | 11.6220% | 2,313 |
| Core capital (leverage) ratio | 11.3389% | 1,985 |
| Tier 1 risk-based capital ratio | 28.7009% | 600 |
| Total risk-based capital ratio | 29.6250% | 610 |
| Memoranda: | ||
| Average total assets | $654,483,500 | 1,034 |
| Average earning assets | $645,607,500 | 946 |
| Average equity | $76,300,000 | 959 |
| Average total loans | $302,690,500 | 1,398 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9653% | 6,787 |
| Cost of funding earning assets | 1.4064% | 248 |
| Net interest margin | 1.5590% | 6,990 |
| Noninterest income to average assets | 0.1292% | 6,394 |
| Noninterest expense to average assets | 1.4452% | 6,897 |
| Loan and lease loss provision to assets | 0.0384% | 5,397 |
| Net operating income to assets | 0.3374% | 5,341 |
| Return on assets (ROA) | 0.4339% | 5,196 |
| Pretax return on assets | 0.2795% | 5,856 |
| Return on Equity (ROE) | 4.0532% | 5,118 |
| Retained earnings to average equity (ytd only) | 4.0532% | 3,365 |
| Net charge-offs to loans | 0.1009% | 4,657 |
| Credit loss provision to net charge-offs | 82.0847% | 3,762 |
| Earnings coverage of net charge-offs (x) | 4.7329% | 3,275 |
| Efficiency ratio | 86.7209% | 1,350 |
| Assets per employee ($millions) | 11.6479% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6519% | 6,697 |
| Loan loss allowance to noncurrent loans | 30.3883% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 4,030 |
| Noncurrent loans to loans | 2.1451% | 2,528 |
| Net loans and leases to total assets | 46.4500% | 5,575 |
| Net loans and leases to deposits | 60.3331% | 4,992 |
| Net loans and leases to core deposits | 64.5950% | 4,891 |
| Total domestic deposits to total assets | 76.9893% | 6,224 |
| Equity capital to assets | 11.6943% | 2,276 |
| Core capital (leverage) ratio | 11.3085% | 2,009 |
| Tier 1 risk-based capital ratio | 28.2087% | 612 |
| Total risk-based capital ratio | 29.1274% | 619 |
| Memoranda: | ||
| Average total assets | $656,571,200 | 1,006 |
| Average earning assets | $647,481,600 | 930 |
| Average equity | $70,290,800 | 1,000 |
| Average total loans | $304,167,800 | 1,376 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9827% | 6,907 |
| Cost of funding earning assets | 1.4315% | 265 |
| Net interest margin | 1.5512% | 7,104 |
| Noninterest income to average assets | 0.1324% | 6,475 |
| Noninterest expense to average assets | 1.4492% | 6,963 |
| Loan and lease loss provision to assets | -0.0503% | 6,998 |
| Net operating income to assets | 0.1865% | 5,950 |
| Return on assets (ROA) | 0.2778% | 5,883 |
| Pretax return on assets | 0.3917% | 5,738 |
| Return on Equity (ROE) | 2.6552% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.6552% | 4,970 |
| Net charge-offs to loans | 0.0474% | 4,993 |
| Credit loss provision to net charge-offs | -229.6296% | 6,349 |
| Earnings coverage of net charge-offs (x) | 9.7220% | 2,280 |
| Efficiency ratio | 87.1920% | 1,283 |
| Assets per employee ($millions) | 12.2338% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 6,921 |
| Loan loss allowance to noncurrent loans | 25.1191% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0166% | 4,249 |
| Noncurrent loans to loans | 2.1883% | 2,632 |
| Net loans and leases to total assets | 46.2005% | 5,747 |
| Net loans and leases to deposits | 59.9259% | 5,216 |
| Net loans and leases to core deposits | 63.9908% | 5,145 |
| Total domestic deposits to total assets | 77.0960% | 6,216 |
| Equity capital to assets | 11.4101% | 2,839 |
| Core capital (leverage) ratio | 10.9499% | 2,444 |
| Tier 1 risk-based capital ratio | 27.2112% | 726 |
| Total risk-based capital ratio | 27.9977% | 746 |
| Memoranda: | ||
| Average total assets | $657,643,000 | 1,008 |
| Average earning assets | $648,531,750 | 934 |
| Average equity | $68,793,500 | 1,029 |
| Average total loans | $303,966,250 | 1,394 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0316% | 6,965 |
| Cost of funding earning assets | 1.4593% | 279 |
| Net interest margin | 1.5723% | 7,173 |
| Noninterest income to average assets | 0.1279% | 6,550 |
| Noninterest expense to average assets | 1.3956% | 7,058 |
| Loan and lease loss provision to assets | 0.0183% | 5,438 |
| Net operating income to assets | 0.1832% | 5,967 |
| Return on assets (ROA) | 0.3165% | 5,767 |
| Pretax return on assets | 0.4575% | 5,554 |
| Return on Equity (ROE) | 3.1202% | 5,642 |
| Retained earnings to average equity (ytd only) | 3.1202% | 4,552 |
| Net charge-offs to loans | 0.0475% | 4,729 |
| Credit loss provision to net charge-offs | 83.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,841 |
| Efficiency ratio | 83.1579% | 1,728 |
| Assets per employee ($millions) | 11.6455% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6688% | 6,862 |
| Loan loss allowance to noncurrent loans | 30.3633% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 4,359 |
| Noncurrent loans to loans | 2.2026% | 2,711 |
| Net loans and leases to total assets | 45.4438% | 5,872 |
| Net loans and leases to deposits | 58.6158% | 5,388 |
| Net loans and leases to core deposits | 61.9946% | 5,388 |
| Total domestic deposits to total assets | 77.5283% | 6,243 |
| Equity capital to assets | 11.1650% | 2,931 |
| Core capital (leverage) ratio | 10.8320% | 2,453 |
| Tier 1 risk-based capital ratio | 27.2099% | 708 |
| Total risk-based capital ratio | 27.9814% | 736 |
| Memoranda: | ||
| Average total assets | $656,648,330 | 1,006 |
| Average earning assets | $647,447,330 | 935 |
| Average equity | $66,598,670 | 1,051 |
| Average total loans | $302,988,330 | 1,397 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0731% | 7,018 |
| Cost of funding earning assets | 1.5039% | 282 |
| Net interest margin | 1.5692% | 7,231 |
| Noninterest income to average assets | 0.1207% | 6,649 |
| Noninterest expense to average assets | 1.3805% | 7,123 |
| Loan and lease loss provision to assets | 0.0184% | 5,105 |
| Net operating income to assets | 0.2015% | 5,985 |
| Return on assets (ROA) | 0.2015% | 6,132 |
| Pretax return on assets | 0.2683% | 6,041 |
| Return on Equity (ROE) | 2.0941% | 6,048 |
| Retained earnings to average equity (ytd only) | 2.0941% | 5,225 |
| Net charge-offs to loans | 0.0938% | 3,582 |
| Credit loss provision to net charge-offs | 42.2535% | 3,411 |
| Earnings coverage of net charge-offs (x) | 6.5915% | 2,179 |
| Efficiency ratio | 82.8068% | 1,827 |
| Assets per employee ($millions) | 11.5567% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 6,924 |
| Loan loss allowance to noncurrent loans | 31.0532% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 4,561 |
| Noncurrent loans to loans | 2.1213% | 3,003 |
| Net loans and leases to total assets | 45.0426% | 5,891 |
| Net loans and leases to deposits | 57.7913% | 5,399 |
| Net loans and leases to core deposits | 60.9923% | 5,435 |
| Total domestic deposits to total assets | 77.9401% | 6,268 |
| Equity capital to assets | 10.9125% | 3,013 |
| Core capital (leverage) ratio | 10.6162% | 2,628 |
| Tier 1 risk-based capital ratio | 27.0315% | 729 |
| Total risk-based capital ratio | 27.7945% | 746 |
| Memoranda: | ||
| Average total assets | $653,077,000 | 1,010 |
| Average earning assets | $643,653,000 | 937 |
| Average equity | $62,842,000 | 1,129 |
| Average total loans | $302,641,000 | 1,403 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 6,945 |
| Cost of funding earning assets | 1.6735% | 355 |
| Net interest margin | 1.9057% | 7,241 |
| Noninterest income to average assets | 0.1216% | 6,540 |
| Noninterest expense to average assets | 1.4524% | 7,194 |
| Loan and lease loss provision to assets | 0.1000% | 5,340 |
| Net operating income to assets | 0.4016% | 4,855 |
| Return on assets (ROA) | 0.5088% | 4,593 |
| Pretax return on assets | 0.5385% | 4,879 |
| Return on Equity (ROE) | 6.2232% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.2232% | 1,895 |
| Net charge-offs to loans | 0.0199% | 6,164 |
| Credit loss provision to net charge-offs | 1,016.6667% | 223 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 524 |
| Efficiency ratio | 72.2291% | 3,521 |
| Assets per employee ($millions) | 10.9632% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 6,937 |
| Loan loss allowance to noncurrent loans | 31.2099% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 4,522 |
| Noncurrent loans to loans | 2.1721% | 2,981 |
| Net loans and leases to total assets | 47.0731% | 5,916 |
| Net loans and leases to deposits | 58.7853% | 5,622 |
| Net loans and leases to core deposits | 61.8606% | 5,670 |
| Total domestic deposits to total assets | 80.0763% | 5,721 |
| Equity capital to assets | 8.2626% | 6,378 |
| Core capital (leverage) ratio | 7.9958% | 6,280 |
| Tier 1 risk-based capital ratio | 20.4322% | 1,537 |
| Total risk-based capital ratio | 21.2574% | 1,610 |
| Memoranda: | ||
| Average total assets | $610,249,400 | 1,070 |
| Average earning assets | $594,069,200 | 991 |
| Average equity | $49,894,200 | 1,366 |
| Average total loans | $300,846,200 | 1,414 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 6,989 |
| Cost of funding earning assets | 1.7004% | 394 |
| Net interest margin | 1.9354% | 7,311 |
| Noninterest income to average assets | 0.1166% | 6,678 |
| Noninterest expense to average assets | 1.4747% | 7,243 |
| Loan and lease loss provision to assets | 0.0486% | 5,838 |
| Net operating income to assets | 0.3119% | 5,353 |
| Return on assets (ROA) | 0.3204% | 5,495 |
| Pretax return on assets | 0.4849% | 5,206 |
| Return on Equity (ROE) | 3.9295% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.9295% | 3,928 |
| Net charge-offs to loans | 0.2093% | 4,123 |
| Credit loss provision to net charge-offs | 46.6102% | 5,109 |
| Earnings coverage of net charge-offs (x) | 4.9957% | 2,905 |
| Efficiency ratio | 72.5462% | 3,447 |
| Assets per employee ($millions) | 11.2470% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4107% | 7,223 |
| Loan loss allowance to noncurrent loans | 42.7489% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 5,939 |
| Noncurrent loans to loans | 0.9606% | 4,964 |
| Net loans and leases to total assets | 47.7840% | 5,980 |
| Net loans and leases to deposits | 59.8824% | 5,642 |
| Net loans and leases to core deposits | 63.1088% | 5,706 |
| Total domestic deposits to total assets | 79.7964% | 5,795 |
| Equity capital to assets | 8.1474% | 6,602 |
| Core capital (leverage) ratio | 7.8179% | 6,546 |
| Tier 1 risk-based capital ratio | 19.6875% | 1,761 |
| Total risk-based capital ratio | 20.1869% | 1,929 |
| Memoranda: | ||
| Average total assets | $603,845,250 | 1,091 |
| Average earning assets | $586,183,500 | 1,009 |
| Average equity | $49,233,000 | 1,387 |
| Average total loans | $300,716,500 | 1,423 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 7,071 |
| Cost of funding earning assets | 1.7116% | 448 |
| Net interest margin | 1.9279% | 7,385 |
| Noninterest income to average assets | 0.1200% | 6,728 |
| Noninterest expense to average assets | 1.4977% | 7,310 |
| Loan and lease loss provision to assets | 0.0588% | 5,576 |
| Net operating income to assets | 0.2857% | 5,425 |
| Return on assets (ROA) | 0.2860% | 5,561 |
| Pretax return on assets | 0.4271% | 5,308 |
| Return on Equity (ROE) | 3.5065% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.5065% | 4,021 |
| Net charge-offs to loans | 0.2005% | 3,943 |
| Credit loss provision to net charge-offs | 58.1395% | 4,384 |
| Earnings coverage of net charge-offs (x) | 4.8007% | 2,774 |
| Efficiency ratio | 74.1274% | 3,346 |
| Assets per employee ($millions) | 10.6559% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4499% | 7,259 |
| Loan loss allowance to noncurrent loans | 41.9840% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 5,834 |
| Noncurrent loans to loans | 1.0717% | 4,874 |
| Net loans and leases to total assets | 49.7953% | 5,847 |
| Net loans and leases to deposits | 62.7140% | 5,426 |
| Net loans and leases to core deposits | 66.2227% | 5,486 |
| Total domestic deposits to total assets | 79.4005% | 5,978 |
| Equity capital to assets | 8.1798% | 6,533 |
| Core capital (leverage) ratio | 7.9866% | 6,313 |
| Tier 1 risk-based capital ratio | 19.7481% | 1,658 |
| Total risk-based capital ratio | 20.3067% | 1,788 |
| Memoranda: | ||
| Average total assets | $595,183,000 | 1,118 |
| Average earning assets | $575,249,000 | 1,043 |
| Average equity | $48,539,000 | 1,392 |
| Average total loans | $300,222,000 | 1,447 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 7,127 |
| Cost of funding earning assets | 1.7049% | 542 |
| Net interest margin | 1.9093% | 7,428 |
| Noninterest income to average assets | 0.1236% | 6,800 |
| Noninterest expense to average assets | 1.4891% | 7,367 |
| Loan and lease loss provision to assets | 0.0509% | 5,364 |
| Net operating income to assets | 0.2827% | 5,494 |
| Return on assets (ROA) | 0.2832% | 5,556 |
| Pretax return on assets | 0.4244% | 5,262 |
| Return on Equity (ROE) | 3.4774% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.4774% | 4,094 |
| Net charge-offs to loans | 0.1917% | 3,354 |
| Credit loss provision to net charge-offs | 52.4476% | 3,705 |
| Earnings coverage of net charge-offs (x) | 4.8881% | 2,379 |
| Efficiency ratio | 74.4122% | 3,437 |
| Assets per employee ($millions) | 10.2306% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4752% | 7,302 |
| Loan loss allowance to noncurrent loans | 55.1510% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 6,108 |
| Noncurrent loans to loans | 0.8617% | 5,318 |
| Net loans and leases to total assets | 50.2582% | 5,813 |
| Net loans and leases to deposits | 63.4363% | 5,332 |
| Net loans and leases to core deposits | 66.7754% | 5,434 |
| Total domestic deposits to total assets | 79.2263% | 6,137 |
| Equity capital to assets | 8.1062% | 6,385 |
| Core capital (leverage) ratio | 8.0738% | 6,158 |
| Tier 1 risk-based capital ratio | 20.9869% | 1,399 |
| Total risk-based capital ratio | 21.6109% | 1,487 |
| Memoranda: | ||
| Average total assets | $589,080,000 | 1,135 |
| Average earning assets | $567,759,000 | 1,074 |
| Average equity | $47,967,000 | 1,393 |
| Average total loans | $298,424,000 | 1,469 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 7,269 |
| Cost of funding earning assets | 1.8908% | 874 |
| Net interest margin | 1.8810% | 7,486 |
| Noninterest income to average assets | 0.1113% | 6,843 |
| Noninterest expense to average assets | 1.3860% | 7,490 |
| Loan and lease loss provision to assets | 0.0578% | 6,558 |
| Net operating income to assets | 0.3211% | 4,861 |
| Return on assets (ROA) | 0.3913% | 4,730 |
| Pretax return on assets | 0.5922% | 4,350 |
| Return on Equity (ROE) | 4.8719% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.8719% | 2,497 |
| Net charge-offs to loans | 0.0037% | 6,814 |
| Credit loss provision to net charge-offs | 3,090.9091% | 71 |
| Earnings coverage of net charge-offs (x) | 290.8182% | 77 |
| Efficiency ratio | 70.2976% | 4,117 |
| Assets per employee ($millions) | 10.6325% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5023% | 7,356 |
| Loan loss allowance to noncurrent loans | 56.3609% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 6,129 |
| Noncurrent loans to loans | 0.8913% | 5,276 |
| Net loans and leases to total assets | 50.5676% | 6,106 |
| Net loans and leases to deposits | 63.9893% | 5,629 |
| Net loans and leases to core deposits | 67.2762% | 5,744 |
| Total domestic deposits to total assets | 79.0250% | 6,070 |
| Equity capital to assets | 8.1797% | 6,282 |
| Core capital (leverage) ratio | 8.1229% | 5,963 |
| Tier 1 risk-based capital ratio | 21.0353% | 1,313 |
| Total risk-based capital ratio | 21.6968% | 1,388 |
| Memoranda: | ||
| Average total assets | $588,525,600 | 1,139 |
| Average earning assets | $568,912,800 | 1,062 |
| Average equity | $47,271,200 | 1,414 |
| Average total loans | $294,162,200 | 1,523 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 7,406 |
| Cost of funding earning assets | 1.9296% | 938 |
| Net interest margin | 1.8628% | 7,614 |
| Noninterest income to average assets | 0.0923% | 7,082 |
| Noninterest expense to average assets | 1.3472% | 7,614 |
| Loan and lease loss provision to assets | 0.0520% | 6,562 |
| Net operating income to assets | 0.3100% | 5,125 |
| Return on assets (ROA) | 0.3999% | 4,927 |
| Pretax return on assets | 0.6372% | 4,463 |
| Return on Equity (ROE) | 5.0016% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.0016% | 2,989 |
| Net charge-offs to loans | 0.0041% | 6,619 |
| Credit loss provision to net charge-offs | 2,555.5556% | 119 |
| Earnings coverage of net charge-offs (x) | 269.5492% | 120 |
| Efficiency ratio | 69.4942% | 4,177 |
| Assets per employee ($millions) | 11.1997% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4664% | 7,487 |
| Loan loss allowance to noncurrent loans | 57.1370% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,382 |
| Noncurrent loans to loans | 0.8163% | 5,586 |
| Net loans and leases to total assets | 49.7958% | 6,344 |
| Net loans and leases to deposits | 63.0970% | 6,015 |
| Net loans and leases to core deposits | 66.1994% | 6,104 |
| Total domestic deposits to total assets | 78.9195% | 6,041 |
| Equity capital to assets | 8.2066% | 6,607 |
| Core capital (leverage) ratio | 7.9485% | 6,420 |
| Tier 1 risk-based capital ratio | 20.9400% | 1,369 |
| Total risk-based capital ratio | 21.5579% | 1,457 |
| Memoranda: | ||
| Average total assets | $589,460,500 | 1,147 |
| Average earning assets | $570,738,750 | 1,066 |
| Average equity | $47,130,500 | 1,429 |
| Average total loans | $293,401,500 | 1,544 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 7,488 |
| Cost of funding earning assets | 1.9856% | 942 |
| Net interest margin | 1.8068% | 7,692 |
| Noninterest income to average assets | 0.0680% | 7,239 |
| Noninterest expense to average assets | 1.3461% | 7,688 |
| Loan and lease loss provision to assets | 0.0374% | 6,584 |
| Net operating income to assets | 0.2705% | 5,295 |
| Return on assets (ROA) | 0.4027% | 4,905 |
| Pretax return on assets | 0.6404% | 4,432 |
| Return on Equity (ROE) | 5.0812% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.0812% | 2,860 |
| Net charge-offs to loans | 0.0055% | 6,296 |
| Credit loss provision to net charge-offs | 1,375.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 173.2500% | 202 |
| Efficiency ratio | 72.4364% | 3,750 |
| Assets per employee ($millions) | 11.4629% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4472% | 7,561 |
| Loan loss allowance to noncurrent loans | 58.5796% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 6,497 |
| Noncurrent loans to loans | 0.7635% | 5,748 |
| Net loans and leases to total assets | 48.6560% | 6,579 |
| Net loans and leases to deposits | 61.2557% | 6,288 |
| Net loans and leases to core deposits | 64.1527% | 6,390 |
| Total domestic deposits to total assets | 79.4309% | 5,910 |
| Equity capital to assets | 7.8583% | 6,878 |
| Core capital (leverage) ratio | 7.6604% | 6,660 |
| Tier 1 risk-based capital ratio | 20.4905% | 1,436 |
| Total risk-based capital ratio | 21.0776% | 1,511 |
| Memoranda: | ||
| Average total assets | $588,085,330 | 1,154 |
| Average earning assets | $569,403,330 | 1,074 |
| Average equity | $46,603,000 | 1,443 |
| Average total loans | $292,213,330 | 1,569 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 7,508 |
| Cost of funding earning assets | 2.0104% | 1,050 |
| Net interest margin | 1.9211% | 7,744 |
| Noninterest income to average assets | 0.0968% | 7,221 |
| Noninterest expense to average assets | 1.3486% | 7,781 |
| Loan and lease loss provision to assets | 0.0346% | 6,330 |
| Net operating income to assets | 0.3611% | 5,015 |
| Return on assets (ROA) | 0.3908% | 5,019 |
| Pretax return on assets | 0.6211% | 4,524 |
| Return on Equity (ROE) | 4.9095% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.9095% | 3,203 |
| Net charge-offs to loans | 0.0069% | 5,504 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 176.2000% | 192 |
| Efficiency ratio | 67.3614% | 4,839 |
| Assets per employee ($millions) | 11.0593% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4337% | 7,663 |
| Loan loss allowance to noncurrent loans | 62.8586% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 6,612 |
| Noncurrent loans to loans | 0.6899% | 5,953 |
| Net loans and leases to total assets | 49.7863% | 6,482 |
| Net loans and leases to deposits | 63.0109% | 6,168 |
| Net loans and leases to core deposits | 63.0109% | 6,524 |
| Total domestic deposits to total assets | 79.0122% | 6,075 |
| Equity capital to assets | 7.9262% | 6,731 |
| Core capital (leverage) ratio | 7.8207% | 6,471 |
| Tier 1 risk-based capital ratio | 20.5876% | 1,412 |
| Total risk-based capital ratio | 21.1599% | 1,508 |
| Memoranda: | ||
| Average total assets | $578,361,500 | 1,198 |
| Average earning assets | $560,292,000 | 1,115 |
| Average equity | $46,033,500 | 1,463 |
| Average total loans | $289,855,500 | 1,621 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 7,482 |
| Cost of funding earning assets | 2.7408% | 527 |
| Net interest margin | 1.6546% | 7,843 |
| Noninterest income to average assets | 0.1702% | 6,864 |
| Noninterest expense to average assets | 1.3589% | 7,856 |
| Loan and lease loss provision to assets | 0.0414% | 7,134 |
| Net operating income to assets | 0.2531% | 4,713 |
| Return on assets (ROA) | 0.4027% | 4,225 |
| Pretax return on assets | 0.6247% | 3,829 |
| Return on Equity (ROE) | 5.2718% | 3,545 |
| Retained earnings to average equity (ytd only) | 5.2718% | 1,688 |
| Net charge-offs to loans | 0.0067% | 7,145 |
| Credit loss provision to net charge-offs | 1,263.1579% | 243 |
| Earnings coverage of net charge-offs (x) | 132.1053% | 217 |
| Efficiency ratio | 74.4253% | 3,805 |
| Assets per employee ($millions) | 10.9727% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4277% | 7,733 |
| Loan loss allowance to noncurrent loans | 62.6149% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 6,581 |
| Noncurrent loans to loans | 0.6831% | 5,873 |
| Net loans and leases to total assets | 50.0184% | 6,638 |
| Net loans and leases to deposits | 63.6544% | 6,311 |
| Net loans and leases to core deposits | 80.9808% | 5,999 |
| Total domestic deposits to total assets | 78.5780% | 6,100 |
| Equity capital to assets | 7.9933% | 6,589 |
| Core capital (leverage) ratio | 7.9291% | 6,289 |
| Tier 1 risk-based capital ratio | 20.7302% | 1,337 |
| Total risk-based capital ratio | 21.2929% | 1,419 |
| Memoranda: | ||
| Average total assets | $580,402,200 | 1,191 |
| Average earning assets | $568,661,600 | 1,108 |
| Average equity | $44,330,000 | 1,508 |
| Average total loans | $284,401,400 | 1,689 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 7,526 |
| Cost of funding earning assets | 2.8931% | 475 |
| Net interest margin | 1.5882% | 7,933 |
| Noninterest income to average assets | 0.1727% | 6,979 |
| Noninterest expense to average assets | 1.3302% | 7,947 |
| Loan and lease loss provision to assets | 0.0480% | 6,891 |
| Net operating income to assets | 0.2072% | 5,125 |
| Return on assets (ROA) | 0.4031% | 4,491 |
| Pretax return on assets | 0.6581% | 3,994 |
| Return on Equity (ROE) | 5.3380% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.3380% | 2,287 |
| Net charge-offs to loans | 0.0089% | 6,829 |
| Credit loss provision to net charge-offs | 1,105.2632% | 344 |
| Earnings coverage of net charge-offs (x) | 92.0624% | 385 |
| Efficiency ratio | 75.4231% | 3,600 |
| Assets per employee ($millions) | 11.7748% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4240% | 7,800 |
| Loan loss allowance to noncurrent loans | 53.7770% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 6,577 |
| Noncurrent loans to loans | 0.7884% | 5,721 |
| Net loans and leases to total assets | 45.8775% | 7,117 |
| Net loans and leases to deposits | 57.3191% | 7,007 |
| Net loans and leases to core deposits | 74.9406% | 6,670 |
| Total domestic deposits to total assets | 80.0388% | 5,416 |
| Equity capital to assets | 7.3418% | 7,402 |
| Core capital (leverage) ratio | 7.2924% | 7,196 |
| Tier 1 risk-based capital ratio | 19.7363% | 1,608 |
| Total risk-based capital ratio | 20.2657% | 1,704 |
| Memoranda: | ||
| Average total assets | $582,858,250 | 1,198 |
| Average earning assets | $571,634,750 | 1,118 |
| Average equity | $44,010,500 | 1,542 |
| Average total loans | $283,846,750 | 1,713 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 7,559 |
| Cost of funding earning assets | 3.0185% | 442 |
| Net interest margin | 1.5564% | 8,004 |
| Noninterest income to average assets | 0.1993% | 6,863 |
| Noninterest expense to average assets | 1.3524% | 8,033 |
| Loan and lease loss provision to assets | 0.0279% | 6,963 |
| Net operating income to assets | 0.2175% | 5,195 |
| Return on assets (ROA) | 0.3019% | 5,000 |
| Pretax return on assets | 0.4767% | 4,695 |
| Return on Equity (ROE) | 3.9591% | 4,513 |
| Retained earnings to average equity (ytd only) | 3.9591% | 3,081 |
| Net charge-offs to loans | 0.0134% | 6,364 |
| Credit loss provision to net charge-offs | 421.0526% | 1,098 |
| Earnings coverage of net charge-offs (x) | 56.2105% | 628 |
| Efficiency ratio | 76.9169% | 3,522 |
| Assets per employee ($millions) | 12.3120% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3780% | 7,923 |
| Loan loss allowance to noncurrent loans | 256.2500% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 7,419 |
| Noncurrent loans to loans | 0.1475% | 7,149 |
| Net loans and leases to total assets | 45.6433% | 7,219 |
| Net loans and leases to deposits | 56.9995% | 7,092 |
| Net loans and leases to core deposits | 74.6108% | 6,757 |
| Total domestic deposits to total assets | 80.0766% | 5,444 |
| Equity capital to assets | 7.1998% | 7,480 |
| Core capital (leverage) ratio | 7.1128% | 7,442 |
| Tier 1 risk-based capital ratio | 19.2017% | 1,742 |
| Total risk-based capital ratio | 19.6702% | 1,849 |
| Memoranda: | ||
| Average total assets | $573,048,670 | 1,237 |
| Average earning assets | $561,793,000 | 1,155 |
| Average equity | $43,696,330 | 1,559 |
| Average total loans | $284,429,670 | 1,738 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 7,411 |
| Cost of funding earning assets | 3.1205% | 431 |
| Net interest margin | 1.6491% | 8,019 |
| Noninterest income to average assets | 0.2255% | 6,663 |
| Noninterest expense to average assets | 1.3274% | 8,068 |
| Loan and lease loss provision to assets | 0.0362% | 6,489 |
| Net operating income to assets | 0.2878% | 5,343 |
| Return on assets (ROA) | 0.4553% | 4,805 |
| Pretax return on assets | 0.7380% | 4,294 |
| Return on Equity (ROE) | 5.7902% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.7902% | 2,731 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7250% | 4,426 |
| Assets per employee ($millions) | 11.9180% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3735% | 7,975 |
| Loan loss allowance to noncurrent loans | 279.1005% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 7,397 |
| Noncurrent loans to loans | 0.1338% | 7,139 |
| Net loans and leases to total assets | 49.1964% | 6,930 |
| Net loans and leases to deposits | 62.4530% | 6,695 |
| Net loans and leases to core deposits | 83.3412% | 6,113 |
| Total domestic deposits to total assets | 78.7735% | 5,802 |
| Equity capital to assets | 7.6002% | 7,260 |
| Core capital (leverage) ratio | 7.5959% | 7,032 |
| Tier 1 risk-based capital ratio | 19.7752% | 1,657 |
| Total risk-based capital ratio | 20.2553% | 1,770 |
| Memoranda: | ||
| Average total assets | $551,774,000 | 1,285 |
| Average earning assets | $540,167,500 | 1,202 |
| Average equity | $43,383,500 | 1,575 |
| Average total loans | $285,622,000 | 1,739 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5951% | 7,084 |
| Cost of funding earning assets | 3.6451% | 322 |
| Net interest margin | 1.9500% | 8,093 |
| Noninterest income to average assets | 0.1619% | 7,264 |
| Noninterest expense to average assets | 1.3825% | 8,085 |
| Loan and lease loss provision to assets | 0.0258% | 7,079 |
| Net operating income to assets | 0.4084% | 5,121 |
| Return on assets (ROA) | 0.3966% | 4,980 |
| Pretax return on assets | 0.6370% | 4,580 |
| Return on Equity (ROE) | 4.8930% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.8930% | 2,090 |
| Net charge-offs to loans | 0.0040% | 6,942 |
| Credit loss provision to net charge-offs | 1,200.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 317.0909% | 151 |
| Efficiency ratio | 66.6635% | 4,987 |
| Assets per employee ($millions) | 11.3082% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3480% | 8,046 |
| 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 | 54.1407% | 6,636 |
| Net loans and leases to deposits | 70.1903% | 6,254 |
| Net loans and leases to core deposits | 93.8896% | 5,454 |
| Total domestic deposits to total assets | 77.1341% | 5,959 |
| Equity capital to assets | 8.1449% | 6,638 |
| Core capital (leverage) ratio | 8.0738% | 6,368 |
| Tier 1 risk-based capital ratio | 20.0837% | 1,607 |
| Total risk-based capital ratio | 20.5551% | 1,702 |
| Memoranda: | ||
| Average total assets | $511,905,200 | 1,319 |
| Average earning assets | $499,273,600 | 1,234 |
| Average equity | $41,488,000 | 1,613 |
| Average total loans | $276,790,600 | 1,735 |