Home > Naugatuck Valley Savings and Loan > Performance and Condition Ratios
Naugatuck Valley Savings and Loan, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 2,795 |
| Cost of funding earning assets | 0.6920% | 855 |
| Net interest margin | 3.4409% | 3,754 |
| Noninterest income to average assets | 0.4813% | 3,455 |
| Noninterest expense to average assets | 4.5014% | 413 |
| Loan and lease loss provision to assets | -0.5920% | 6,140 |
| Net operating income to assets | -0.2363% | 5,974 |
| Return on assets (ROA) | 0.0387% | 5,863 |
| Pretax return on assets | 0.0387% | 5,860 |
| Return on Equity (ROE) | 0.3403% | 5,859 |
| Retained earnings to average equity (ytd only) | 0.3403% | 5,378 |
| Net charge-offs to loans | 0.0063% | 4,231 |
| Credit loss provision to net charge-offs | -12,316.6667% | 5,765 |
| Earnings coverage of net charge-offs (x) | -172.3333% | 4,457 |
| Efficiency ratio | 122.5530% | 87 |
| Assets per employee ($millions) | 4.4395% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 5,411 |
| Loan loss allowance to noncurrent loans | 98.2881% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9363% | 2,327 |
| Noncurrent loans to loans | 0.8115% | 2,755 |
| Net loans and leases to total assets | 76.8036% | 1,284 |
| Net loans and leases to deposits | 99.4231% | 721 |
| Net loans and leases to core deposits | 103.5867% | 1,250 |
| Total domestic deposits to total assets | 77.2492% | 5,277 |
| Equity capital to assets | 11.4270% | 2,418 |
| Core capital (leverage) ratio | 11.3338% | 2,099 |
| Tier 1 risk-based capital ratio | 16.7472% | 2,377 |
| Total risk-based capital ratio | 17.6526% | 2,482 |
| Memoranda: | ||
| Average total assets | $499,294,000 | 1,348 |
| Average earning assets | $463,139,400 | 1,339 |
| Average equity | $56,716,600 | 1,315 |
| Average total loans | $379,827,600 | 1,213 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 2,830 |
| Cost of funding earning assets | 0.6957% | 857 |
| Net interest margin | 3.4295% | 3,838 |
| Noninterest income to average assets | 0.5148% | 3,262 |
| Noninterest expense to average assets | 3.8784% | 763 |
| Loan and lease loss provision to assets | -0.3780% | 6,177 |
| Net operating income to assets | 0.1962% | 5,689 |
| Return on assets (ROA) | 0.5616% | 4,644 |
| Pretax return on assets | 0.5616% | 5,064 |
| Return on Equity (ROE) | 4.9514% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.9514% | 2,948 |
| Net charge-offs to loans | -0.0042% | 4,806 |
| Credit loss provision to net charge-offs | 11,833.3333% | 36 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9179% | 202 |
| Assets per employee ($millions) | 4.0953% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 3,709 |
| Loan loss allowance to noncurrent loans | 104.9341% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 2,414 |
| Noncurrent loans to loans | 1.1346% | 2,236 |
| Net loans and leases to total assets | 77.2921% | 1,207 |
| Net loans and leases to deposits | 101.9653% | 547 |
| Net loans and leases to core deposits | 106.2389% | 1,078 |
| Total domestic deposits to total assets | 75.8024% | 5,518 |
| Equity capital to assets | 11.5977% | 2,421 |
| Core capital (leverage) ratio | 11.4378% | 2,091 |
| Tier 1 risk-based capital ratio | 16.7027% | 2,476 |
| Total risk-based capital ratio | 17.9538% | 2,435 |
| Memoranda: | ||
| Average total assets | $500,920,500 | 1,345 |
| Average earning assets | $464,736,250 | 1,338 |
| Average equity | $56,818,000 | 1,325 |
| Average total loans | $379,404,000 | 1,216 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 2,948 |
| Cost of funding earning assets | 0.7014% | 838 |
| Net interest margin | 3.3840% | 3,953 |
| Noninterest income to average assets | 0.4877% | 3,457 |
| Noninterest expense to average assets | 3.9477% | 722 |
| Loan and lease loss provision to assets | -0.5649% | 6,284 |
| Net operating income to assets | 0.2451% | 5,591 |
| Return on assets (ROA) | 0.5749% | 4,549 |
| Pretax return on assets | 0.5749% | 5,034 |
| Return on Equity (ROE) | 5.1059% | 4,568 |
| Retained earnings to average equity (ytd only) | 5.1059% | 2,791 |
| Net charge-offs to loans | 0.0106% | 3,541 |
| Credit loss provision to net charge-offs | -7,100.0000% | 5,614 |
| Earnings coverage of net charge-offs (x) | -40.2000% | 3,876 |
| Efficiency ratio | 108.8168% | 187 |
| Assets per employee ($millions) | 3.9886% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 3,777 |
| Loan loss allowance to noncurrent loans | 87.8811% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 2,417 |
| Noncurrent loans to loans | 1.3678% | 1,978 |
| Net loans and leases to total assets | 74.9537% | 1,509 |
| Net loans and leases to deposits | 98.7721% | 732 |
| Net loans and leases to core deposits | 101.8869% | 1,335 |
| Total domestic deposits to total assets | 75.8855% | 5,610 |
| Equity capital to assets | 11.2910% | 2,581 |
| Core capital (leverage) ratio | 11.0797% | 2,344 |
| Tier 1 risk-based capital ratio | 16.7187% | 2,517 |
| Total risk-based capital ratio | 17.9700% | 2,468 |
| Memoranda: | ||
| Average total assets | $502,718,000 | 1,351 |
| Average earning assets | $466,490,000 | 1,338 |
| Average equity | $56,600,670 | 1,338 |
| Average total loans | $376,665,670 | 1,224 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,077 |
| Cost of funding earning assets | 0.6805% | 945 |
| Net interest margin | 3.3614% | 3,985 |
| Noninterest income to average assets | 0.4463% | 3,658 |
| Noninterest expense to average assets | 3.6540% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0915% | 6,097 |
| Return on assets (ROA) | 0.2395% | 5,680 |
| Pretax return on assets | 0.2395% | 5,772 |
| Return on Equity (ROE) | 2.1299% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.1299% | 4,611 |
| Net charge-offs to loans | 0.0769% | 1,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.5972% | 3,195 |
| Efficiency ratio | 102.5681% | 301 |
| Assets per employee ($millions) | 3.8839% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 2,149 |
| Loan loss allowance to noncurrent loans | 112.6657% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0578% | 2,502 |
| Noncurrent loans to loans | 1.3961% | 2,057 |
| Net loans and leases to total assets | 73.1911% | 1,623 |
| Net loans and leases to deposits | 96.7996% | 783 |
| Net loans and leases to core deposits | 100.8135% | 1,269 |
| Total domestic deposits to total assets | 75.6110% | 5,776 |
| Equity capital to assets | 11.1455% | 2,814 |
| Core capital (leverage) ratio | 11.1802% | 2,243 |
| Tier 1 risk-based capital ratio | 16.3873% | 2,738 |
| Total risk-based capital ratio | 17.6435% | 2,680 |
| Memoranda: | ||
| Average total assets | $502,796,500 | 1,352 |
| Average earning assets | $466,122,000 | 1,345 |
| Average equity | $56,529,000 | 1,348 |
| Average total loans | $374,363,000 | 1,226 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 2,567 |
| Cost of funding earning assets | 0.7020% | 1,094 |
| Net interest margin | 3.6089% | 3,384 |
| Noninterest income to average assets | 0.5506% | 3,173 |
| Noninterest expense to average assets | 4.2892% | 547 |
| Loan and lease loss provision to assets | -0.3494% | 6,398 |
| Net operating income to assets | -0.0634% | 6,133 |
| Return on assets (ROA) | 0.2222% | 5,787 |
| Pretax return on assets | 0.2196% | 5,840 |
| Return on Equity (ROE) | 2.0345% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.0345% | 4,767 |
| Net charge-offs to loans | 0.5725% | 707 |
| Credit loss provision to net charge-offs | -82.3668% | 5,484 |
| Earnings coverage of net charge-offs (x) | -0.9793% | 4,798 |
| Efficiency ratio | 110.7239% | 213 |
| Assets per employee ($millions) | 3.8813% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 2,005 |
| Loan loss allowance to noncurrent loans | 118.0286% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 2,559 |
| Noncurrent loans to loans | 1.3777% | 2,125 |
| Net loans and leases to total assets | 73.3415% | 1,701 |
| Net loans and leases to deposits | 95.5075% | 943 |
| Net loans and leases to core deposits | 98.8736% | 1,477 |
| Total domestic deposits to total assets | 76.7913% | 5,630 |
| Equity capital to assets | 11.3427% | 2,568 |
| Core capital (leverage) ratio | 11.1317% | 2,281 |
| Tier 1 risk-based capital ratio | 17.4083% | 2,351 |
| Total risk-based capital ratio | 18.6663% | 2,311 |
| Memoranda: | ||
| Average total assets | $499,976,200 | 1,331 |
| Average earning assets | $460,394,000 | 1,331 |
| Average equity | $54,608,000 | 1,333 |
| Average total loans | $370,451,000 | 1,188 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 2,367 |
| Cost of funding earning assets | 0.7007% | 1,151 |
| Net interest margin | 3.6651% | 3,171 |
| Noninterest income to average assets | 0.5424% | 3,247 |
| Noninterest expense to average assets | 4.3404% | 534 |
| Loan and lease loss provision to assets | -0.2101% | 6,400 |
| Net operating income to assets | -0.2165% | 6,272 |
| Return on assets (ROA) | 0.1102% | 6,042 |
| Pretax return on assets | 0.1102% | 6,048 |
| Return on Equity (ROE) | 1.0190% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.0190% | 5,477 |
| Net charge-offs to loans | 0.7669% | 439 |
| Credit loss provision to net charge-offs | -37.0249% | 5,316 |
| Earnings coverage of net charge-offs (x) | -0.7518% | 4,518 |
| Efficiency ratio | 110.8980% | 210 |
| Assets per employee ($millions) | 3.6098% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 1,432 |
| Loan loss allowance to noncurrent loans | 129.2841% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 2,575 |
| Noncurrent loans to loans | 1.4768% | 2,199 |
| Net loans and leases to total assets | 72.9496% | 1,692 |
| Net loans and leases to deposits | 93.3014% | 1,096 |
| Net loans and leases to core deposits | 96.7522% | 1,613 |
| Total domestic deposits to total assets | 78.1870% | 5,494 |
| Equity capital to assets | 11.2293% | 2,723 |
| Core capital (leverage) ratio | 11.1024% | 2,397 |
| Tier 1 risk-based capital ratio | 17.3006% | 2,477 |
| Total risk-based capital ratio | 18.5627% | 2,425 |
| Memoranda: | ||
| Average total assets | $500,768,750 | 1,341 |
| Average earning assets | $460,664,250 | 1,343 |
| Average equity | $54,172,250 | 1,354 |
| Average total loans | $370,466,750 | 1,197 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 2,420 |
| Cost of funding earning assets | 0.6939% | 1,220 |
| Net interest margin | 3.6482% | 3,151 |
| Noninterest income to average assets | 0.4388% | 3,959 |
| Noninterest expense to average assets | 4.4202% | 487 |
| Loan and lease loss provision to assets | -0.2932% | 6,524 |
| Net operating income to assets | -0.3377% | 6,389 |
| Return on assets (ROA) | -0.2615% | 6,363 |
| Pretax return on assets | -0.2615% | 6,345 |
| Return on Equity (ROE) | -2.4474% | 6,349 |
| Retained earnings to average equity (ytd only) | -2.4474% | 6,040 |
| Net charge-offs to loans | 0.9966% | 357 |
| Credit loss provision to net charge-offs | -39.8383% | 5,149 |
| Earnings coverage of net charge-offs (x) | -0.8571% | 4,200 |
| Efficiency ratio | 116.6492% | 168 |
| Assets per employee ($millions) | 3.5966% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 1,464 |
| Loan loss allowance to noncurrent loans | 131.5249% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 2,715 |
| Noncurrent loans to loans | 1.4806% | 2,343 |
| Net loans and leases to total assets | 71.4373% | 1,836 |
| Net loans and leases to deposits | 92.7138% | 1,076 |
| Net loans and leases to core deposits | 95.8722% | 1,612 |
| Total domestic deposits to total assets | 77.0515% | 5,795 |
| Equity capital to assets | 10.5635% | 3,362 |
| Core capital (leverage) ratio | 10.3933% | 3,091 |
| Tier 1 risk-based capital ratio | 16.1871% | 2,987 |
| Total risk-based capital ratio | 17.4492% | 2,930 |
| Memoranda: | ||
| Average total assets | $504,048,000 | 1,333 |
| Average earning assets | $462,907,000 | 1,329 |
| Average equity | $53,853,670 | 1,349 |
| Average total loans | $372,254,670 | 1,186 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,531 |
| Cost of funding earning assets | 0.6878% | 1,324 |
| Net interest margin | 3.6098% | 3,214 |
| Noninterest income to average assets | 0.4073% | 4,120 |
| Noninterest expense to average assets | 4.4945% | 461 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7673% | 6,531 |
| Return on assets (ROA) | -0.6406% | 6,509 |
| Pretax return on assets | -0.6406% | 6,491 |
| Return on Equity (ROE) | -5.9609% | 6,490 |
| Retained earnings to average equity (ytd only) | -5.9609% | 6,180 |
| Net charge-offs to loans | 0.0280% | 3,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -36.8077% | 3,634 |
| Efficiency ratio | 120.5851% | 171 |
| Assets per employee ($millions) | 3.2025% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6626% | 665 |
| Loan loss allowance to noncurrent loans | 92.0414% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.3236% | 1,406 |
| Noncurrent loans to loans | 2.8928% | 1,125 |
| Net loans and leases to total assets | 70.8249% | 1,750 |
| Net loans and leases to deposits | 91.1350% | 1,024 |
| Net loans and leases to core deposits | 93.9290% | 1,555 |
| Total domestic deposits to total assets | 77.7143% | 5,868 |
| Equity capital to assets | 10.4822% | 3,260 |
| Core capital (leverage) ratio | 10.4444% | 2,999 |
| Tier 1 risk-based capital ratio | 16.4977% | 2,897 |
| Total risk-based capital ratio | 17.7701% | 2,858 |
| Memoranda: | ||
| Average total assets | $498,918,000 | 1,354 |
| Average earning assets | $458,865,000 | 1,345 |
| Average equity | $53,616,000 | 1,353 |
| Average total loans | $371,029,500 | 1,191 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 2,381 |
| Cost of funding earning assets | 0.8217% | 1,085 |
| Net interest margin | 3.6316% | 3,325 |
| Noninterest income to average assets | 0.6034% | 3,076 |
| Noninterest expense to average assets | 4.3682% | 590 |
| Loan and lease loss provision to assets | 0.8128% | 259 |
| Net operating income to assets | -1.3433% | 6,658 |
| Return on assets (ROA) | -1.6982% | 6,688 |
| Pretax return on assets | -1.6236% | 6,674 |
| Return on Equity (ROE) | -16.6408% | 6,664 |
| Retained earnings to average equity (ytd only) | -16.6408% | 6,642 |
| Net charge-offs to loans | 2.1574% | 159 |
| Credit loss provision to net charge-offs | 47.3798% | 3,878 |
| Earnings coverage of net charge-offs (x) | -0.2658% | 5,164 |
| Efficiency ratio | 111.6540% | 248 |
| Assets per employee ($millions) | 3.0926% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6621% | 690 |
| Loan loss allowance to noncurrent loans | 74.0233% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 3.1124% | 1,001 |
| Noncurrent loans to loans | 3.5963% | 854 |
| Net loans and leases to total assets | 74.0147% | 1,347 |
| Net loans and leases to deposits | 90.1861% | 1,225 |
| Net loans and leases to core deposits | 92.7957% | 1,697 |
| Total domestic deposits to total assets | 82.0689% | 4,851 |
| Equity capital to assets | 11.0218% | 2,590 |
| Core capital (leverage) ratio | 11.0382% | 2,356 |
| Tier 1 risk-based capital ratio | 16.7409% | 2,742 |
| Total risk-based capital ratio | 18.0136% | 2,684 |
| Memoranda: | ||
| Average total assets | $510,594,400 | 1,301 |
| Average earning assets | $465,227,200 | 1,309 |
| Average equity | $52,107,000 | 1,362 |
| Average total loans | $405,989,400 | 1,048 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 2,325 |
| Cost of funding earning assets | 0.8558% | 1,017 |
| Net interest margin | 3.6210% | 3,356 |
| Noninterest income to average assets | 0.6063% | 3,108 |
| Noninterest expense to average assets | 4.4433% | 551 |
| Loan and lease loss provision to assets | 1.0721% | 145 |
| Net operating income to assets | -1.6144% | 6,771 |
| Return on assets (ROA) | -1.6144% | 6,771 |
| Pretax return on assets | -1.6144% | 6,764 |
| Return on Equity (ROE) | -16.1251% | 6,743 |
| Retained earnings to average equity (ytd only) | -16.1251% | 6,720 |
| Net charge-offs to loans | 2.5090% | 122 |
| Credit loss provision to net charge-offs | 53.1915% | 3,433 |
| Earnings coverage of net charge-offs (x) | -0.2690% | 4,927 |
| Efficiency ratio | 113.9007% | 220 |
| Assets per employee ($millions) | 3.1165% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7639% | 694 |
| Loan loss allowance to noncurrent loans | 63.5650% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 3.6692% | 896 |
| Noncurrent loans to loans | 4.3482% | 771 |
| Net loans and leases to total assets | 77.9989% | 744 |
| Net loans and leases to deposits | 95.6074% | 719 |
| Net loans and leases to core deposits | 98.3023% | 1,221 |
| Total domestic deposits to total assets | 81.5825% | 5,060 |
| Equity capital to assets | 10.2810% | 3,532 |
| Core capital (leverage) ratio | 10.4757% | 3,029 |
| Tier 1 risk-based capital ratio | 15.2825% | 3,574 |
| Total risk-based capital ratio | 16.5576% | 3,518 |
| Memoranda: | ||
| Average total assets | $516,085,250 | 1,297 |
| Average earning assets | $469,586,250 | 1,302 |
| Average equity | $51,669,750 | 1,383 |
| Average total loans | $414,599,250 | 1,029 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 1,815 |
| Cost of funding earning assets | 0.9030% | 883 |
| Net interest margin | 3.7081% | 2,929 |
| Noninterest income to average assets | 0.6487% | 2,921 |
| Noninterest expense to average assets | 4.5545% | 499 |
| Loan and lease loss provision to assets | 1.4666% | 91 |
| Net operating income to assets | -2.0030% | 6,848 |
| Return on assets (ROA) | -2.0030% | 6,851 |
| Pretax return on assets | -2.0030% | 6,844 |
| Return on Equity (ROE) | -20.1746% | 6,828 |
| Retained earnings to average equity (ytd only) | -20.1746% | 6,804 |
| Net charge-offs to loans | 3.6041% | 72 |
| Credit loss provision to net charge-offs | 50.6312% | 3,198 |
| Earnings coverage of net charge-offs (x) | -0.1852% | 4,613 |
| Efficiency ratio | 113.3485% | 237 |
| Assets per employee ($millions) | 3.2286% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6728% | 814 |
| Loan loss allowance to noncurrent loans | 62.2884% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 3.3640% | 1,159 |
| Noncurrent loans to loans | 4.2911% | 856 |
| Net loans and leases to total assets | 75.2785% | 1,072 |
| Net loans and leases to deposits | 92.8030% | 901 |
| Net loans and leases to core deposits | 95.7876% | 1,377 |
| Total domestic deposits to total assets | 81.1165% | 5,310 |
| Equity capital to assets | 9.9738% | 3,952 |
| Core capital (leverage) ratio | 10.0629% | 3,429 |
| Tier 1 risk-based capital ratio | 14.2684% | 4,247 |
| Total risk-based capital ratio | 15.5413% | 4,186 |
| Memoranda: | ||
| Average total assets | $525,017,330 | 1,276 |
| Average earning assets | $477,058,000 | 1,289 |
| Average equity | $52,125,000 | 1,377 |
| Average total loans | $421,969,670 | 1,010 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 2,150 |
| Cost of funding earning assets | 0.9185% | 899 |
| Net interest margin | 3.5851% | 3,318 |
| Noninterest income to average assets | 0.6740% | 2,728 |
| Noninterest expense to average assets | 4.1802% | 731 |
| Loan and lease loss provision to assets | 0.2274% | 1,615 |
| Net operating income to assets | -0.4314% | 6,645 |
| Return on assets (ROA) | -0.4314% | 6,678 |
| Pretax return on assets | -0.4314% | 6,653 |
| Return on Equity (ROE) | -4.3547% | 6,672 |
| Retained earnings to average equity (ytd only) | -4.3547% | 6,314 |
| Net charge-offs to loans | 0.5066% | 1,187 |
| Credit loss provision to net charge-offs | 54.8446% | 2,529 |
| Earnings coverage of net charge-offs (x) | -0.4918% | 3,922 |
| Efficiency ratio | 105.1287% | 415 |
| Assets per employee ($millions) | 3.3639% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3240% | 486 |
| Loan loss allowance to noncurrent loans | 53.0581% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 5.1805% | 685 |
| Noncurrent loans to loans | 6.2648% | 518 |
| Net loans and leases to total assets | 78.4914% | 562 |
| Net loans and leases to deposits | 99.3831% | 378 |
| Net loans and leases to core deposits | 103.0469% | 766 |
| Total domestic deposits to total assets | 78.9786% | 5,966 |
| Equity capital to assets | 9.8390% | 4,371 |
| Core capital (leverage) ratio | 9.8535% | 3,596 |
| Tier 1 risk-based capital ratio | 14.8090% | 3,964 |
| Total risk-based capital ratio | 16.0942% | 3,905 |
| Memoranda: | ||
| Average total assets | $527,624,500 | 1,283 |
| Average earning assets | $486,006,000 | 1,277 |
| Average equity | $52,265,500 | 1,393 |
| Average total loans | $431,931,500 | 991 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 2,075 |
| Cost of funding earning assets | 1.0827% | 970 |
| Net interest margin | 3.7535% | 3,422 |
| Noninterest income to average assets | 0.8400% | 2,082 |
| Noninterest expense to average assets | 3.7823% | 1,285 |
| Loan and lease loss provision to assets | 3.1945% | 32 |
| Net operating income to assets | -2.7090% | 6,990 |
| Return on assets (ROA) | -2.7090% | 6,993 |
| Pretax return on assets | -2.6798% | 6,991 |
| Return on Equity (ROE) | -24.3764% | 6,920 |
| Retained earnings to average equity (ytd only) | -24.3764% | 6,891 |
| Net charge-offs to loans | 2.4843% | 244 |
| Credit loss provision to net charge-offs | 157.1644% | 1,710 |
| Earnings coverage of net charge-offs (x) | 0.2532% | 5,349 |
| Efficiency ratio | 87.9373% | 1,249 |
| Assets per employee ($millions) | 3.4452% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3328% | 494 |
| Loan loss allowance to noncurrent loans | 56.5346% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 5.0052% | 777 |
| Noncurrent loans to loans | 5.8951% | 611 |
| Net loans and leases to total assets | 79.7871% | 495 |
| Net loans and leases to deposits | 99.8244% | 421 |
| Net loans and leases to core deposits | 103.5774% | 808 |
| Total domestic deposits to total assets | 79.9275% | 5,688 |
| Equity capital to assets | 9.9728% | 4,206 |
| Core capital (leverage) ratio | 9.9813% | 3,428 |
| Tier 1 risk-based capital ratio | 14.9218% | 3,764 |
| Total risk-based capital ratio | 16.2105% | 3,694 |
| Memoranda: | ||
| Average total assets | $554,853,600 | 1,210 |
| Average earning assets | $511,020,200 | 1,187 |
| Average equity | $61,662,000 | 1,155 |
| Average total loans | $453,977,000 | 914 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 2,156 |
| Cost of funding earning assets | 1.1147% | 1,001 |
| Net interest margin | 3.7448% | 3,582 |
| Noninterest income to average assets | 0.7889% | 2,285 |
| Noninterest expense to average assets | 3.6226% | 1,519 |
| Loan and lease loss provision to assets | 4.0358% | 18 |
| Net operating income to assets | -2.2350% | 7,065 |
| Return on assets (ROA) | -2.2350% | 7,070 |
| Pretax return on assets | -3.4204% | 7,123 |
| Return on Equity (ROE) | -19.6381% | 6,985 |
| Retained earnings to average equity (ytd only) | -19.6381% | 6,968 |
| Net charge-offs to loans | 2.6907% | 226 |
| Credit loss provision to net charge-offs | 183.6988% | 1,511 |
| Earnings coverage of net charge-offs (x) | 0.2801% | 5,188 |
| Efficiency ratio | 85.3671% | 1,442 |
| Assets per employee ($millions) | 3.4666% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5725% | 437 |
| Loan loss allowance to noncurrent loans | 62.5906% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 4.7039% | 969 |
| Noncurrent loans to loans | 5.7077% | 743 |
| Net loans and leases to total assets | 78.3632% | 685 |
| Net loans and leases to deposits | 101.9379% | 353 |
| Net loans and leases to core deposits | 105.9262% | 744 |
| Total domestic deposits to total assets | 76.8734% | 6,254 |
| Equity capital to assets | 10.7614% | 3,542 |
| Core capital (leverage) ratio | 10.5749% | 2,826 |
| Tier 1 risk-based capital ratio | 15.3540% | 3,618 |
| Total risk-based capital ratio | 16.6372% | 3,558 |
| Memoranda: | ||
| Average total assets | $561,788,250 | 1,200 |
| Average earning assets | $517,429,500 | 1,186 |
| Average equity | $63,935,500 | 1,118 |
| Average total loans | $458,703,750 | 902 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 2,138 |
| Cost of funding earning assets | 1.1584% | 986 |
| Net interest margin | 3.7347% | 3,660 |
| Noninterest income to average assets | 0.7198% | 2,553 |
| Noninterest expense to average assets | 3.6002% | 1,578 |
| Loan and lease loss provision to assets | 2.3579% | 97 |
| Net operating income to assets | -1.1638% | 6,945 |
| Return on assets (ROA) | -1.1638% | 6,965 |
| Pretax return on assets | -1.7916% | 7,048 |
| Return on Equity (ROE) | -10.0511% | 6,906 |
| Retained earnings to average equity (ytd only) | -10.0511% | 6,836 |
| Net charge-offs to loans | 1.6257% | 574 |
| Credit loss provision to net charge-offs | 177.3655% | 1,587 |
| Earnings coverage of net charge-offs (x) | 0.4259% | 4,863 |
| Efficiency ratio | 86.2664% | 1,407 |
| Assets per employee ($millions) | 3.6445% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4152% | 1,393 |
| Loan loss allowance to noncurrent loans | 37.6566% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 5.2976% | 869 |
| Noncurrent loans to loans | 6.4137% | 660 |
| Net loans and leases to total assets | 79.5028% | 563 |
| Net loans and leases to deposits | 103.1529% | 304 |
| Net loans and leases to core deposits | 108.0657% | 661 |
| Total domestic deposits to total assets | 77.0728% | 6,313 |
| Equity capital to assets | 11.5713% | 2,523 |
| Core capital (leverage) ratio | 11.2700% | 2,069 |
| Tier 1 risk-based capital ratio | 16.2395% | 3,041 |
| Total risk-based capital ratio | 17.4893% | 3,007 |
| Memoranda: | ||
| Average total assets | $567,633,330 | 1,184 |
| Average earning assets | $523,842,670 | 1,173 |
| Average equity | $65,724,330 | 1,071 |
| Average total loans | $464,173,330 | 885 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 1,886 |
| Cost of funding earning assets | 1.2017% | 977 |
| Net interest margin | 3.7979% | 3,399 |
| Noninterest income to average assets | 0.6238% | 3,085 |
| Noninterest expense to average assets | 3.7811% | 1,238 |
| Loan and lease loss provision to assets | 3.1748% | 65 |
| Net operating income to assets | -1.8448% | 7,139 |
| Return on assets (ROA) | -1.8448% | 7,142 |
| Pretax return on assets | -2.8220% | 7,199 |
| Return on Equity (ROE) | -15.9276% | 7,073 |
| Retained earnings to average equity (ytd only) | -15.9276% | 6,989 |
| Net charge-offs to loans | 2.3917% | 353 |
| Credit loss provision to net charge-offs | 162.0321% | 1,571 |
| Earnings coverage of net charge-offs (x) | 0.1800% | 4,281 |
| Efficiency ratio | 91.3315% | 990 |
| Assets per employee ($millions) | 4.0551% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1228% | 2,047 |
| Loan loss allowance to noncurrent loans | 35.8311% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 4.9299% | 1,066 |
| Noncurrent loans to loans | 5.9245% | 850 |
| Net loans and leases to total assets | 78.9702% | 489 |
| Net loans and leases to deposits | 105.9079% | 210 |
| Net loans and leases to core deposits | 111.0649% | 497 |
| Total domestic deposits to total assets | 74.5649% | 6,692 |
| Equity capital to assets | 11.4120% | 2,515 |
| Core capital (leverage) ratio | 11.1700% | 2,133 |
| Tier 1 risk-based capital ratio | 16.0996% | 3,125 |
| Total risk-based capital ratio | 17.3496% | 3,091 |
| Memoranda: | ||
| Average total assets | $572,643,000 | 1,177 |
| Average earning assets | $529,237,500 | 1,159 |
| Average equity | $66,325,000 | 1,058 |
| Average total loans | $469,114,500 | 878 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 2,565 |
| Cost of funding earning assets | 1.5644% | 550 |
| Net interest margin | 3.5060% | 5,125 |
| Noninterest income to average assets | 0.8167% | 1,977 |
| Noninterest expense to average assets | 2.8694% | 4,083 |
| Loan and lease loss provision to assets | 0.7483% | 1,351 |
| Net operating income to assets | 0.3013% | 5,245 |
| Return on assets (ROA) | 0.3111% | 5,365 |
| Pretax return on assets | 0.4722% | 5,069 |
| Return on Equity (ROE) | 3.0492% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.0492% | 4,060 |
| Net charge-offs to loans | 0.5741% | 2,731 |
| Credit loss provision to net charge-offs | 155.3314% | 1,806 |
| Earnings coverage of net charge-offs (x) | 2.5025% | 3,960 |
| Efficiency ratio | 70.2751% | 3,891 |
| Assets per employee ($millions) | 3.9282% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 4,179 |
| Loan loss allowance to noncurrent loans | 28.2809% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 4.4400% | 1,240 |
| Noncurrent loans to loans | 5.1752% | 1,067 |
| Net loans and leases to total assets | 81.9382% | 343 |
| Net loans and leases to deposits | 109.3853% | 181 |
| Net loans and leases to core deposits | 114.3005% | 489 |
| Total domestic deposits to total assets | 74.9078% | 6,616 |
| Equity capital to assets | 11.7520% | 2,305 |
| Core capital (leverage) ratio | 11.7874% | 1,714 |
| Tier 1 risk-based capital ratio | 15.8203% | 3,149 |
| Total risk-based capital ratio | 17.0750% | 3,102 |
| Memoranda: | ||
| Average total assets | $576,252,800 | 1,141 |
| Average earning assets | $535,544,800 | 1,118 |
| Average equity | $58,801,800 | 1,152 |
| Average total loans | $483,548,200 | 862 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1030% | 2,593 |
| Cost of funding earning assets | 1.6506% | 473 |
| Net interest margin | 3.4524% | 5,385 |
| Noninterest income to average assets | 0.7941% | 2,082 |
| Noninterest expense to average assets | 2.8134% | 4,290 |
| Loan and lease loss provision to assets | 0.6221% | 1,578 |
| Net operating income to assets | 0.3949% | 5,025 |
| Return on assets (ROA) | 0.4086% | 5,148 |
| Pretax return on assets | 0.5914% | 4,839 |
| Return on Equity (ROE) | 4.1609% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.1609% | 3,767 |
| Net charge-offs to loans | 0.4251% | 3,016 |
| Credit loss provision to net charge-offs | 174.0142% | 1,712 |
| Earnings coverage of net charge-offs (x) | 3.3387% | 3,479 |
| Efficiency ratio | 70.0675% | 3,949 |
| Assets per employee ($millions) | 4.0383% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,744 |
| Loan loss allowance to noncurrent loans | 24.4119% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 4.8043% | 1,217 |
| Noncurrent loans to loans | 5.5587% | 1,058 |
| Net loans and leases to total assets | 82.3790% | 325 |
| Net loans and leases to deposits | 113.8526% | 134 |
| Net loans and leases to core deposits | 119.2226% | 410 |
| Total domestic deposits to total assets | 72.3558% | 6,911 |
| Equity capital to assets | 11.5798% | 2,615 |
| Core capital (leverage) ratio | 11.6193% | 1,944 |
| Tier 1 risk-based capital ratio | 15.5486% | 3,359 |
| Total risk-based capital ratio | 16.8019% | 3,319 |
| Memoranda: | ||
| Average total assets | $576,937,750 | 1,149 |
| Average earning assets | $536,927,000 | 1,123 |
| Average equity | $56,652,500 | 1,195 |
| Average total loans | $485,208,750 | 875 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0804% | 2,770 |
| Cost of funding earning assets | 1.7482% | 392 |
| Net interest margin | 3.3322% | 5,765 |
| Noninterest income to average assets | 0.6013% | 3,133 |
| Noninterest expense to average assets | 2.7295% | 4,710 |
| Loan and lease loss provision to assets | 0.5137% | 1,908 |
| Net operating income to assets | 0.3260% | 5,268 |
| Return on assets (ROA) | 0.3472% | 5,317 |
| Pretax return on assets | 0.4925% | 5,098 |
| Return on Equity (ROE) | 3.7634% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.7634% | 3,820 |
| Net charge-offs to loans | 0.4313% | 2,846 |
| Credit loss provision to net charge-offs | 141.3002% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.6855% | 3,494 |
| Efficiency ratio | 73.5040% | 3,466 |
| Assets per employee ($millions) | 4.1462% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,553 |
| Loan loss allowance to noncurrent loans | 35.3817% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 2.9083% | 2,308 |
| Noncurrent loans to loans | 3.3844% | 2,101 |
| Net loans and leases to total assets | 81.4791% | 413 |
| Net loans and leases to deposits | 112.1900% | 151 |
| Net loans and leases to core deposits | 117.6262% | 482 |
| Total domestic deposits to total assets | 72.6260% | 6,963 |
| Equity capital to assets | 11.2551% | 2,721 |
| Core capital (leverage) ratio | 11.2031% | 2,111 |
| Tier 1 risk-based capital ratio | 15.2284% | 3,382 |
| Total risk-based capital ratio | 16.4795% | 3,344 |
| Memoranda: | ||
| Average total assets | $575,412,000 | 1,162 |
| Average earning assets | $536,104,330 | 1,135 |
| Average equity | $53,090,670 | 1,265 |
| Average total loans | $485,066,330 | 889 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 2,475 |
| Cost of funding earning assets | 1.8112% | 362 |
| Net interest margin | 3.3288% | 5,680 |
| Noninterest income to average assets | 0.5668% | 3,392 |
| Noninterest expense to average assets | 2.9126% | 4,011 |
| Loan and lease loss provision to assets | 0.3103% | 2,687 |
| Net operating income to assets | 0.3160% | 5,327 |
| Return on assets (ROA) | 0.3160% | 5,405 |
| Pretax return on assets | 0.4442% | 5,207 |
| Return on Equity (ROE) | 3.8752% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.8752% | 3,843 |
| Net charge-offs to loans | 0.1130% | 3,854 |
| Credit loss provision to net charge-offs | 322.0588% | 1,012 |
| Earnings coverage of net charge-offs (x) | 7.8309% | 1,890 |
| Efficiency ratio | 79.2697% | 2,652 |
| Assets per employee ($millions) | 3.9063% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,674 |
| Loan loss allowance to noncurrent loans | 33.6406% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 3.1250% | 2,209 |
| Noncurrent loans to loans | 3.5438% | 2,101 |
| Net loans and leases to total assets | 84.9592% | 179 |
| Net loans and leases to deposits | 113.9097% | 133 |
| Net loans and leases to core deposits | 120.2286% | 411 |
| Total domestic deposits to total assets | 74.5847% | 6,847 |
| Equity capital to assets | 8.2143% | 6,265 |
| Core capital (leverage) ratio | 8.1745% | 6,005 |
| Tier 1 risk-based capital ratio | 10.6287% | 6,733 |
| Total risk-based capital ratio | 11.8797% | 6,717 |
| Memoranda: | ||
| Average total assets | $564,590,500 | 1,195 |
| Average earning assets | $525,836,500 | 1,165 |
| Average equity | $46,036,500 | 1,459 |
| Average total loans | $481,414,000 | 907 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 2,594 |
| Cost of funding earning assets | 1.9718% | 672 |
| Net interest margin | 3.4458% | 5,454 |
| Noninterest income to average assets | 0.5606% | 3,744 |
| Noninterest expense to average assets | 2.6164% | 5,350 |
| Loan and lease loss provision to assets | 0.5942% | 2,763 |
| Net operating income to assets | 0.4042% | 4,521 |
| Return on assets (ROA) | 0.4056% | 4,652 |
| Pretax return on assets | 0.5618% | 4,445 |
| Return on Equity (ROE) | 5.1514% | 4,003 |
| Retained earnings to average equity (ytd only) | 5.1514% | 2,338 |
| Net charge-offs to loans | 0.3917% | 4,077 |
| Credit loss provision to net charge-offs | 177.6309% | 1,871 |
| Earnings coverage of net charge-offs (x) | 3.4500% | 3,350 |
| Efficiency ratio | 69.2315% | 4,330 |
| Assets per employee ($millions) | 4.4272% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 5,781 |
| Loan loss allowance to noncurrent loans | 30.5473% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 3.2149% | 2,201 |
| Noncurrent loans to loans | 3.7330% | 1,986 |
| Net loans and leases to total assets | 83.5924% | 338 |
| Net loans and leases to deposits | 114.5299% | 167 |
| Net loans and leases to core deposits | 120.7738% | 508 |
| Total domestic deposits to total assets | 72.9874% | 6,997 |
| Equity capital to assets | 8.0940% | 6,389 |
| Core capital (leverage) ratio | 8.0328% | 6,146 |
| Tier 1 risk-based capital ratio | 10.5917% | 6,642 |
| Total risk-based capital ratio | 11.8421% | 6,612 |
| Memoranda: | ||
| Average total assets | $565,290,800 | 1,187 |
| Average earning assets | $526,584,000 | 1,169 |
| Average equity | $44,512,600 | 1,499 |
| Average total loans | $482,730,800 | 931 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 2,625 |
| Cost of funding earning assets | 1.9879% | 785 |
| Net interest margin | 3.4671% | 5,423 |
| Noninterest income to average assets | 0.4567% | 4,508 |
| Noninterest expense to average assets | 2.6102% | 5,281 |
| Loan and lease loss provision to assets | 0.5107% | 2,902 |
| Net operating income to assets | 0.3951% | 4,771 |
| Return on assets (ROA) | 0.3970% | 4,943 |
| Pretax return on assets | 0.5688% | 4,696 |
| Return on Equity (ROE) | 5.0768% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.0768% | 2,931 |
| Net charge-offs to loans | 0.4370% | 3,549 |
| Credit loss provision to net charge-offs | 136.5300% | 2,929 |
| Earnings coverage of net charge-offs (x) | 2.8789% | 3,691 |
| Efficiency ratio | 70.6330% | 3,949 |
| Assets per employee ($millions) | 4.5606% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 6,593 |
| Loan loss allowance to noncurrent loans | 33.2679% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 2.4462% | 2,923 |
| Noncurrent loans to loans | 2.8409% | 2,813 |
| Net loans and leases to total assets | 82.7879% | 425 |
| Net loans and leases to deposits | 116.9438% | 144 |
| Net loans and leases to core deposits | 123.5602% | 514 |
| Total domestic deposits to total assets | 70.7929% | 7,233 |
| Equity capital to assets | 7.8385% | 6,909 |
| Core capital (leverage) ratio | 7.7571% | 6,617 |
| Tier 1 risk-based capital ratio | 10.3920% | 6,837 |
| Total risk-based capital ratio | 11.4518% | 6,935 |
| Memoranda: | ||
| Average total assets | $564,944,250 | 1,198 |
| Average earning assets | $526,379,250 | 1,174 |
| Average equity | $44,174,000 | 1,516 |
| Average total loans | $483,622,750 | 934 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4966% | 2,530 |
| Cost of funding earning assets | 2.0097% | 887 |
| Net interest margin | 3.4869% | 5,297 |
| Noninterest income to average assets | 0.4227% | 4,730 |
| Noninterest expense to average assets | 2.6487% | 5,131 |
| Loan and lease loss provision to assets | 0.4181% | 3,231 |
| Net operating income to assets | 0.4150% | 4,689 |
| Return on assets (ROA) | 0.4177% | 4,830 |
| Pretax return on assets | 0.6051% | 4,554 |
| Return on Equity (ROE) | 5.3467% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.3467% | 2,700 |
| Net charge-offs to loans | 0.3189% | 3,725 |
| Credit loss provision to net charge-offs | 151.8807% | 2,582 |
| Earnings coverage of net charge-offs (x) | 3.7030% | 3,208 |
| Efficiency ratio | 72.0459% | 3,808 |
| Assets per employee ($millions) | 4.4694% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,754 |
| Loan loss allowance to noncurrent loans | 34.9805% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 2.2612% | 3,184 |
| Noncurrent loans to loans | 2.5785% | 3,062 |
| Net loans and leases to total assets | 85.7645% | 243 |
| Net loans and leases to deposits | 120.0839% | 118 |
| Net loans and leases to core deposits | 125.7954% | 518 |
| Total domestic deposits to total assets | 71.4205% | 7,229 |
| Equity capital to assets | 7.8852% | 6,860 |
| Core capital (leverage) ratio | 7.8816% | 6,408 |
| Tier 1 risk-based capital ratio | 10.2362% | 6,889 |
| Total risk-based capital ratio | 11.2507% | 7,005 |
| Memoranda: | ||
| Average total assets | $560,195,330 | 1,215 |
| Average earning assets | $521,375,000 | 1,186 |
| Average equity | $43,765,330 | 1,518 |
| Average total loans | $483,472,000 | 945 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4877% | 2,644 |
| Cost of funding earning assets | 2.0289% | 1,003 |
| Net interest margin | 3.4588% | 5,338 |
| Noninterest income to average assets | 0.3837% | 5,057 |
| Noninterest expense to average assets | 2.6382% | 5,195 |
| Loan and lease loss provision to assets | 0.5799% | 2,177 |
| Net operating income to assets | 0.2766% | 5,392 |
| Return on assets (ROA) | 0.2806% | 5,503 |
| Pretax return on assets | 0.3959% | 5,303 |
| Return on Equity (ROE) | 3.6091% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.6091% | 3,991 |
| Net charge-offs to loans | 0.0091% | 5,468 |
| Credit loss provision to net charge-offs | 7,363.6364% | 63 |
| Earnings coverage of net charge-offs (x) | 123.1818% | 268 |
| Efficiency ratio | 72.9563% | 3,767 |
| Assets per employee ($millions) | 4.3934% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 6,529 |
| Loan loss allowance to noncurrent loans | 43.0045% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 2.0041% | 3,503 |
| Noncurrent loans to loans | 2.2951% | 3,393 |
| Net loans and leases to total assets | 85.5361% | 244 |
| Net loans and leases to deposits | 122.1217% | 121 |
| Net loans and leases to core deposits | 128.8995% | 516 |
| Total domestic deposits to total assets | 70.0417% | 7,405 |
| Equity capital to assets | 7.7745% | 6,864 |
| Core capital (leverage) ratio | 7.7430% | 6,579 |
| Tier 1 risk-based capital ratio | 10.0825% | 6,973 |
| Total risk-based capital ratio | 11.1936% | 7,057 |
| Memoranda: | ||
| Average total assets | $558,722,500 | 1,247 |
| Average earning assets | $520,874,000 | 1,216 |
| Average equity | $43,445,500 | 1,545 |
| Average total loans | $481,522,500 | 980 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 3,492 |
| Cost of funding earning assets | 2.5168% | 992 |
| Net interest margin | 3.1045% | 6,353 |
| Noninterest income to average assets | 0.4298% | 4,964 |
| Noninterest expense to average assets | 2.5821% | 5,854 |
| Loan and lease loss provision to assets | 0.2116% | 5,649 |
| Net operating income to assets | 0.3668% | 4,265 |
| Return on assets (ROA) | 0.4171% | 4,164 |
| Pretax return on assets | 0.5931% | 3,917 |
| Return on Equity (ROE) | 5.5043% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.5043% | 1,574 |
| Net charge-offs to loans | 0.0035% | 7,199 |
| Credit loss provision to net charge-offs | 7,150.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 247.6875% | 111 |
| Efficiency ratio | 77.7003% | 3,242 |
| Assets per employee ($millions) | 4.3367% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 7,022 |
| Loan loss allowance to noncurrent loans | 66.6000% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 4,877 |
| Noncurrent loans to loans | 1.2572% | 4,838 |
| Net loans and leases to total assets | 85.2542% | 325 |
| Net loans and leases to deposits | 121.7628% | 155 |
| Net loans and leases to core deposits | 154.7966% | 417 |
| Total domestic deposits to total assets | 70.0166% | 7,427 |
| Equity capital to assets | 7.7772% | 6,789 |
| Core capital (leverage) ratio | 7.7597% | 6,495 |
| Tier 1 risk-based capital ratio | 10.1550% | 6,733 |
| Total risk-based capital ratio | 11.0976% | 6,967 |
| Memoranda: | ||
| Average total assets | $540,691,200 | 1,279 |
| Average earning assets | $502,502,800 | 1,258 |
| Average equity | $40,968,000 | 1,631 |
| Average total loans | $453,575,400 | 1,056 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6374% | 3,654 |
| Cost of funding earning assets | 2.6246% | 972 |
| Net interest margin | 3.0128% | 6,570 |
| Noninterest income to average assets | 0.4372% | 4,980 |
| Noninterest expense to average assets | 2.6096% | 5,682 |
| Loan and lease loss provision to assets | 0.2132% | 5,277 |
| Net operating income to assets | 0.2958% | 4,802 |
| Return on assets (ROA) | 0.3624% | 4,645 |
| Pretax return on assets | 0.5096% | 4,491 |
| Return on Equity (ROE) | 4.8163% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.8163% | 2,596 |
| Net charge-offs to loans | 0.0045% | 6,916 |
| Credit loss provision to net charge-offs | 5,726.6667% | 68 |
| Earnings coverage of net charge-offs (x) | 168.9290% | 225 |
| Efficiency ratio | 80.3848% | 2,788 |
| Assets per employee ($millions) | 4.3575% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 7,109 |
| Loan loss allowance to noncurrent loans | 81.1544% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 5,332 |
| Noncurrent loans to loans | 0.9876% | 5,330 |
| Net loans and leases to total assets | 85.0258% | 435 |
| Net loans and leases to deposits | 120.5462% | 193 |
| Net loans and leases to core deposits | 153.2993% | 504 |
| Total domestic deposits to total assets | 70.5338% | 7,374 |
| Equity capital to assets | 7.8112% | 7,029 |
| Core capital (leverage) ratio | 7.8122% | 6,600 |
| Tier 1 risk-based capital ratio | 10.2920% | 6,690 |
| Total risk-based capital ratio | 11.1973% | 6,982 |
| Memoranda: | ||
| Average total assets | $537,090,500 | 1,293 |
| Average earning assets | $499,410,750 | 1,274 |
| Average equity | $40,417,250 | 1,671 |
| Average total loans | $447,660,000 | 1,094 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6476% | 3,825 |
| Cost of funding earning assets | 2.7030% | 1,020 |
| Net interest margin | 2.9446% | 6,697 |
| Noninterest income to average assets | 0.4336% | 5,001 |
| Noninterest expense to average assets | 2.6783% | 5,460 |
| Loan and lease loss provision to assets | 0.2078% | 4,966 |
| Net operating income to assets | 0.2095% | 5,230 |
| Return on assets (ROA) | 0.2578% | 5,156 |
| Pretax return on assets | 0.3504% | 5,071 |
| Return on Equity (ROE) | 3.4705% | 4,725 |
| Retained earnings to average equity (ytd only) | 3.4705% | 3,379 |
| Net charge-offs to loans | 0.0041% | 6,558 |
| Credit loss provision to net charge-offs | 6,188.8889% | 76 |
| Earnings coverage of net charge-offs (x) | 146.7778% | 274 |
| Efficiency ratio | 84.2570% | 2,449 |
| Assets per employee ($millions) | 4.2123% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 7,274 |
| Loan loss allowance to noncurrent loans | 102.7060% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 5,788 |
| Noncurrent loans to loans | 0.7396% | 5,762 |
| Net loans and leases to total assets | 83.4208% | 721 |
| Net loans and leases to deposits | 117.0561% | 297 |
| Net loans and leases to core deposits | 149.9122% | 657 |
| Total domestic deposits to total assets | 71.2656% | 7,331 |
| Equity capital to assets | 7.6324% | 7,152 |
| Core capital (leverage) ratio | 7.7265% | 6,712 |
| Tier 1 risk-based capital ratio | 10.3091% | 6,586 |
| Total risk-based capital ratio | 11.1603% | 6,959 |
| Memoranda: | ||
| Average total assets | $536,012,670 | 1,312 |
| Average earning assets | $498,334,330 | 1,295 |
| Average equity | $39,821,000 | 1,708 |
| Average total loans | $442,504,330 | 1,130 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6764% | 3,916 |
| Cost of funding earning assets | 2.7592% | 1,087 |
| Net interest margin | 2.9172% | 6,707 |
| Noninterest income to average assets | 0.3839% | 5,348 |
| Noninterest expense to average assets | 2.5914% | 5,491 |
| Loan and lease loss provision to assets | 0.2125% | 4,320 |
| Net operating income to assets | 0.2156% | 5,611 |
| Return on assets (ROA) | 0.3109% | 5,432 |
| Pretax return on assets | 0.4235% | 5,329 |
| Return on Equity (ROE) | 4.2425% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.2425% | 3,549 |
| Net charge-offs to loans | 0.0091% | 5,529 |
| Credit loss provision to net charge-offs | 2,850.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 67.8000% | 586 |
| Efficiency ratio | 83.4617% | 2,361 |
| Assets per employee ($millions) | 4.2205% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 7,415 |
| Loan loss allowance to noncurrent loans | 133.2344% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 6,054 |
| Noncurrent loans to loans | 0.5324% | 6,087 |
| Net loans and leases to total assets | 81.4371% | 1,110 |
| Net loans and leases to deposits | 114.3525% | 433 |
| Net loans and leases to core deposits | 146.6987% | 826 |
| Total domestic deposits to total assets | 71.2158% | 7,306 |
| Equity capital to assets | 7.4850% | 7,362 |
| Core capital (leverage) ratio | 7.5884% | 7,042 |
| Tier 1 risk-based capital ratio | 10.3340% | 6,560 |
| Total risk-based capital ratio | 11.1255% | 6,956 |
| Memoranda: | ||
| Average total assets | $536,540,000 | 1,320 |
| Average earning assets | $498,979,500 | 1,295 |
| Average equity | $39,316,500 | 1,726 |
| Average total loans | $438,915,500 | 1,150 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0751% | 5,170 |
| Cost of funding earning assets | 3.0289% | 1,759 |
| Net interest margin | 3.0462% | 6,799 |
| Noninterest income to average assets | 0.4695% | 4,879 |
| Noninterest expense to average assets | 2.6027% | 5,639 |
| Loan and lease loss provision to assets | 0.8208% | 1,811 |
| Net operating income to assets | -0.0328% | 6,413 |
| Return on assets (ROA) | -0.0292% | 6,265 |
| Pretax return on assets | -0.1255% | 6,295 |
| Return on Equity (ROE) | -0.3691% | 6,278 |
| Retained earnings to average equity (ytd only) | -0.3691% | 5,391 |
| Net charge-offs to loans | -0.0078% | 7,829 |
| Credit loss provision to net charge-offs | -13,229.0323% | 7,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8450% | 2,785 |
| Assets per employee ($millions) | 4.1629% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6597% | 7,529 |
| Loan loss allowance to noncurrent loans | 107.1349% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 5,683 |
| Noncurrent loans to loans | 0.6158% | 5,519 |
| Net loans and leases to total assets | 81.0496% | 1,425 |
| Net loans and leases to deposits | 116.7495% | 492 |
| Net loans and leases to core deposits | 149.3752% | 875 |
| Total domestic deposits to total assets | 69.4218% | 7,339 |
| Equity capital to assets | 7.1684% | 7,644 |
| Core capital (leverage) ratio | 7.5778% | 7,107 |
| Tier 1 risk-based capital ratio | 10.3610% | 6,353 |
| Total risk-based capital ratio | 11.0937% | 6,792 |
| Memoranda: | ||
| Average total assets | $499,643,600 | 1,348 |
| Average earning assets | $463,004,600 | 1,346 |
| Average equity | $39,559,200 | 1,709 |
| Average total loans | $398,476,800 | 1,215 |