Home > New Windsor State Bank > Performance and Condition Ratios
New Windsor State Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 2,245 |
| Cost of funding earning assets | 0.4468% | 2,630 |
| Net interest margin | 3.8158% | 2,232 |
| Noninterest income to average assets | 0.7613% | 1,720 |
| Noninterest expense to average assets | 6.5297% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.3213% | 5,737 |
| Return on assets (ROA) | -1.3213% | 5,736 |
| Pretax return on assets | -2.2007% | 5,757 |
| Return on Equity (ROE) | -15.0746% | 5,741 |
| Retained earnings to average equity (ytd only) | -19.7832% | 5,720 |
| Net charge-offs to loans | 0.1386% | 1,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -18.5348% | 3,490 |
| Efficiency ratio | 150.8360% | 25 |
| Assets per employee ($millions) | 4.7146% | 2,768 |
| Cash dividends to net income (ytd only)* | -31.2350% | 5,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 4,346 |
| Loan loss allowance to noncurrent loans | 139.1259% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 2,573 |
| Noncurrent loans to loans | 0.6938% | 2,676 |
| Net loans and leases to total assets | 84.5551% | 390 |
| Net loans and leases to deposits | 92.6565% | 1,410 |
| Net loans and leases to core deposits | 102.8763% | 1,445 |
| Total domestic deposits to total assets | 91.2565% | 163 |
| Equity capital to assets | 8.0227% | 5,528 |
| Core capital (leverage) ratio | 8.1117% | 5,480 |
| Tier 1 risk-based capital ratio | 9.5479% | 5,704 |
| Total risk-based capital ratio | 10.5315% | 5,717 |
| Memoranda: | ||
| Average total assets | $314,991,670 | 2,105 |
| Average earning assets | $294,511,330 | 2,093 |
| Average equity | $27,609,330 | 2,527 |
| Average total loans | $269,858,330 | 1,718 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,297 |
| Cost of funding earning assets | 0.4387% | 2,629 |
| Net interest margin | 3.7550% | 2,283 |
| Noninterest income to average assets | 0.7534% | 1,733 |
| Noninterest expense to average assets | 3.4287% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5189% | 4,521 |
| Return on assets (ROA) | 0.5189% | 4,553 |
| Pretax return on assets | 0.8341% | 3,996 |
| Return on Equity (ROE) | 5.6735% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.6735% | 2,504 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4328% | 1,328 |
| Assets per employee ($millions) | 3.8439% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,967 |
| Loan loss allowance to noncurrent loans | 134.6502% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 2,542 |
| Noncurrent loans to loans | 0.7827% | 2,504 |
| Net loans and leases to total assets | 84.2621% | 337 |
| Net loans and leases to deposits | 93.0085% | 1,224 |
| Net loans and leases to core deposits | 103.2969% | 1,269 |
| Total domestic deposits to total assets | 90.5962% | 431 |
| Equity capital to assets | 9.1351% | 4,677 |
| Core capital (leverage) ratio | 9.3171% | 4,322 |
| Tier 1 risk-based capital ratio | 10.8640% | 5,380 |
| Total risk-based capital ratio | 11.9324% | 5,382 |
| Memoranda: | ||
| Average total assets | $312,192,000 | 2,136 |
| Average earning assets | $291,773,500 | 2,125 |
| Average equity | $28,554,000 | 2,474 |
| Average total loans | $267,928,500 | 1,739 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 2,283 |
| Cost of funding earning assets | 0.4071% | 2,935 |
| Net interest margin | 3.8503% | 2,135 |
| Noninterest income to average assets | 0.8472% | 1,588 |
| Noninterest expense to average assets | 3.5729% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5439% | 4,456 |
| Return on assets (ROA) | 0.5705% | 4,449 |
| Pretax return on assets | 0.9276% | 3,742 |
| Return on Equity (ROE) | 6.1335% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.2722% | 2,870 |
| Net charge-offs to loans | 0.0589% | 2,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 17.5621% | 2,035 |
| Efficiency ratio | 80.1287% | 1,405 |
| Assets per employee ($millions) | 3.6374% | 4,558 |
| Cash dividends to net income (ytd only)* | 30.3468% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,962 |
| Loan loss allowance to noncurrent loans | 132.8793% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 2,559 |
| Noncurrent loans to loans | 0.7961% | 2,525 |
| Net loans and leases to total assets | 85.5817% | 259 |
| Net loans and leases to deposits | 94.5376% | 1,138 |
| Net loans and leases to core deposits | 105.2003% | 1,184 |
| Total domestic deposits to total assets | 90.5266% | 442 |
| Equity capital to assets | 9.1577% | 4,637 |
| Core capital (leverage) ratio | 9.2352% | 4,429 |
| Tier 1 risk-based capital ratio | 10.7865% | 5,440 |
| Total risk-based capital ratio | 11.8621% | 5,444 |
| Memoranda: | ||
| Average total assets | $303,251,200 | 2,148 |
| Average earning assets | $284,473,800 | 2,130 |
| Average equity | $28,205,800 | 2,502 |
| Average total loans | $259,918,400 | 1,734 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,259 |
| Cost of funding earning assets | 0.3944% | 3,075 |
| Net interest margin | 3.8754% | 2,067 |
| Noninterest income to average assets | 0.8346% | 1,628 |
| Noninterest expense to average assets | 3.5351% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5710% | 4,410 |
| Return on assets (ROA) | 0.6066% | 4,381 |
| Pretax return on assets | 0.9888% | 3,670 |
| Return on Equity (ROE) | 6.4965% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.9050% | 2,235 |
| Net charge-offs to loans | 0.0806% | 2,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.5388% | 2,305 |
| Efficiency ratio | 79.1160% | 1,540 |
| Assets per employee ($millions) | 3.7144% | 4,446 |
| Cash dividends to net income (ytd only)* | 9.1040% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 4,037 |
| Loan loss allowance to noncurrent loans | 127.2973% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 2,778 |
| Noncurrent loans to loans | 0.8386% | 2,586 |
| Net loans and leases to total assets | 83.9352% | 414 |
| Net loans and leases to deposits | 95.9409% | 1,055 |
| Net loans and leases to core deposits | 104.6983% | 1,292 |
| Total domestic deposits to total assets | 87.4863% | 1,672 |
| Equity capital to assets | 9.2189% | 4,957 |
| Core capital (leverage) ratio | 9.3907% | 4,341 |
| Tier 1 risk-based capital ratio | 10.9274% | 5,405 |
| Total risk-based capital ratio | 12.0144% | 5,401 |
| Memoranda: | ||
| Average total assets | $301,768,250 | 2,165 |
| Average earning assets | $282,939,500 | 2,144 |
| Average equity | $28,178,750 | 2,521 |
| Average total loans | $258,039,750 | 1,748 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 2,233 |
| Cost of funding earning assets | 0.3855% | 3,201 |
| Net interest margin | 3.8905% | 2,014 |
| Noninterest income to average assets | 0.8520% | 1,536 |
| Noninterest expense to average assets | 3.5475% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5819% | 4,343 |
| Return on assets (ROA) | 0.5819% | 4,467 |
| Pretax return on assets | 0.9512% | 3,771 |
| Return on Equity (ROE) | 6.2036% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.2036% | 2,014 |
| Net charge-offs to loans | 0.1220% | 1,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.0962% | 2,453 |
| Efficiency ratio | 78.8556% | 1,665 |
| Assets per employee ($millions) | 3.6089% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 4,077 |
| Loan loss allowance to noncurrent loans | 164.8775% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 3,347 |
| Noncurrent loans to loans | 0.6525% | 3,121 |
| Net loans and leases to total assets | 84.7090% | 368 |
| Net loans and leases to deposits | 98.4385% | 845 |
| Net loans and leases to core deposits | 105.1526% | 1,242 |
| Total domestic deposits to total assets | 86.0528% | 2,398 |
| Equity capital to assets | 9.2940% | 4,980 |
| Core capital (leverage) ratio | 9.5922% | 4,080 |
| Tier 1 risk-based capital ratio | 10.9281% | 5,459 |
| Total risk-based capital ratio | 12.0297% | 5,460 |
| Memoranda: | ||
| Average total assets | $298,354,000 | 2,195 |
| Average earning assets | $279,658,670 | 2,174 |
| Average equity | $27,983,670 | 2,536 |
| Average total loans | $255,815,330 | 1,763 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 1,884 |
| Cost of funding earning assets | 0.3888% | 3,206 |
| Net interest margin | 3.9847% | 1,659 |
| Noninterest income to average assets | 0.7737% | 1,715 |
| Noninterest expense to average assets | 3.5682% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5725% | 4,301 |
| Return on assets (ROA) | 0.5725% | 4,417 |
| Pretax return on assets | 0.9410% | 3,690 |
| Return on Equity (ROE) | 6.0749% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.0749% | 2,342 |
| Net charge-offs to loans | 0.2583% | 806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.2454% | 2,453 |
| Efficiency ratio | 79.1315% | 1,725 |
| Assets per employee ($millions) | 3.4855% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,977 |
| Loan loss allowance to noncurrent loans | 161.3623% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 3,162 |
| Noncurrent loans to loans | 0.6899% | 3,120 |
| Net loans and leases to total assets | 85.5285% | 255 |
| Net loans and leases to deposits | 99.0448% | 687 |
| Net loans and leases to core deposits | 105.1930% | 1,124 |
| Total domestic deposits to total assets | 86.3533% | 2,517 |
| Equity capital to assets | 9.5559% | 4,614 |
| Core capital (leverage) ratio | 9.4398% | 4,294 |
| Tier 1 risk-based capital ratio | 11.3311% | 5,329 |
| Total risk-based capital ratio | 12.4766% | 5,289 |
| Memoranda: | ||
| Average total assets | $294,153,000 | 2,222 |
| Average earning assets | $275,753,000 | 2,208 |
| Average equity | $27,720,500 | 2,547 |
| Average total loans | $252,385,000 | 1,782 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 2,127 |
| Cost of funding earning assets | 0.4059% | 3,090 |
| Net interest margin | 3.9211% | 1,961 |
| Noninterest income to average assets | 0.8338% | 1,663 |
| Noninterest expense to average assets | 3.3938% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6926% | 3,849 |
| Return on assets (ROA) | 0.6926% | 3,957 |
| Pretax return on assets | 1.1392% | 2,888 |
| Return on Equity (ROE) | 7.6302% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.1537% | 1,212 |
| Net charge-offs to loans | 0.2082% | 1,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.5208% | 3,212 |
| Efficiency ratio | 74.8684% | 2,445 |
| Assets per employee ($millions) | 3.6040% | 4,635 |
| Cash dividends to net income (ytd only)* | 6.2438% | 4,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 3,562 |
| Loan loss allowance to noncurrent loans | 226.2519% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 3,615 |
| Noncurrent loans to loans | 0.5240% | 3,595 |
| Net loans and leases to total assets | 84.1072% | 381 |
| Net loans and leases to deposits | 99.7392% | 691 |
| Net loans and leases to core deposits | 105.7127% | 1,115 |
| Total domestic deposits to total assets | 84.3272% | 3,359 |
| Equity capital to assets | 9.2930% | 4,800 |
| Core capital (leverage) ratio | 9.3253% | 4,434 |
| Tier 1 risk-based capital ratio | 11.2143% | 5,417 |
| Total risk-based capital ratio | 12.4319% | 5,330 |
| Memoranda: | ||
| Average total assets | $289,052,400 | 2,215 |
| Average earning assets | $272,707,400 | 2,186 |
| Average equity | $26,238,000 | 2,607 |
| Average total loans | $242,500,000 | 1,780 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 2,305 |
| Cost of funding earning assets | 0.4083% | 3,138 |
| Net interest margin | 3.8719% | 2,125 |
| Noninterest income to average assets | 0.8350% | 1,671 |
| Noninterest expense to average assets | 3.3324% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7120% | 3,852 |
| Return on assets (ROA) | 0.7120% | 3,951 |
| Pretax return on assets | 1.1708% | 2,926 |
| Return on Equity (ROE) | 7.8923% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.2496% | 1,574 |
| Net charge-offs to loans | 0.2187% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.4061% | 3,055 |
| Efficiency ratio | 74.0008% | 2,557 |
| Assets per employee ($millions) | 3.7746% | 4,313 |
| Cash dividends to net income (ytd only)* | 8.1432% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,370 |
| Loan loss allowance to noncurrent loans | 194.7733% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 3,605 |
| Noncurrent loans to loans | 0.6415% | 3,398 |
| Net loans and leases to total assets | 83.0342% | 471 |
| Net loans and leases to deposits | 100.4677% | 634 |
| Net loans and leases to core deposits | 107.2021% | 1,028 |
| Total domestic deposits to total assets | 82.6476% | 3,941 |
| Equity capital to assets | 9.0649% | 5,248 |
| Core capital (leverage) ratio | 9.2031% | 4,722 |
| Tier 1 risk-based capital ratio | 11.1674% | 5,565 |
| Total risk-based capital ratio | 12.4182% | 5,460 |
| Memoranda: | ||
| Average total assets | $287,434,500 | 2,241 |
| Average earning assets | $272,312,250 | 2,205 |
| Average equity | $25,931,750 | 2,645 |
| Average total loans | $240,240,250 | 1,802 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 2,208 |
| Cost of funding earning assets | 0.4127% | 3,129 |
| Net interest margin | 3.8753% | 2,059 |
| Noninterest income to average assets | 0.8011% | 1,773 |
| Noninterest expense to average assets | 3.3040% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7127% | 3,831 |
| Return on assets (ROA) | 0.7127% | 3,952 |
| Pretax return on assets | 1.1729% | 2,886 |
| Return on Equity (ROE) | 7.9130% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.9130% | 1,300 |
| Net charge-offs to loans | 0.3120% | 848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.5067% | 3,032 |
| Efficiency ratio | 73.8013% | 2,703 |
| Assets per employee ($millions) | 3.8698% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 3,287 |
| Loan loss allowance to noncurrent loans | 213.7174% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 3,709 |
| Noncurrent loans to loans | 0.6043% | 3,656 |
| Net loans and leases to total assets | 83.1609% | 454 |
| Net loans and leases to deposits | 94.4652% | 1,108 |
| Net loans and leases to core deposits | 100.7676% | 1,424 |
| Total domestic deposits to total assets | 88.0334% | 1,641 |
| Equity capital to assets | 9.1576% | 5,075 |
| Core capital (leverage) ratio | 9.1969% | 4,697 |
| Tier 1 risk-based capital ratio | 11.3395% | 5,549 |
| Total risk-based capital ratio | 12.5906% | 5,478 |
| Memoranda: | ||
| Average total assets | $285,105,670 | 2,267 |
| Average earning assets | $270,431,670 | 2,229 |
| Average equity | $25,679,330 | 2,674 |
| Average total loans | $237,799,330 | 1,821 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 2,531 |
| Cost of funding earning assets | 0.4099% | 3,193 |
| Net interest margin | 3.7704% | 2,352 |
| Noninterest income to average assets | 0.7213% | 2,058 |
| Noninterest expense to average assets | 3.2199% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6609% | 4,008 |
| Return on assets (ROA) | 0.6609% | 4,129 |
| Pretax return on assets | 1.0841% | 3,140 |
| Return on Equity (ROE) | 7.3995% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.3995% | 1,812 |
| Net charge-offs to loans | 0.4626% | 536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.8242% | 2,693 |
| Efficiency ratio | 74.8122% | 2,685 |
| Assets per employee ($millions) | 3.8131% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 3,099 |
| Loan loss allowance to noncurrent loans | 185.0317% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 3,493 |
| Noncurrent loans to loans | 0.7352% | 3,424 |
| Net loans and leases to total assets | 81.4889% | 518 |
| Net loans and leases to deposits | 92.8158% | 1,106 |
| Net loans and leases to core deposits | 99.1423% | 1,383 |
| Total domestic deposits to total assets | 87.7963% | 1,935 |
| Equity capital to assets | 8.9912% | 5,302 |
| Core capital (leverage) ratio | 9.1469% | 4,793 |
| Tier 1 risk-based capital ratio | 11.2886% | 5,667 |
| Total risk-based capital ratio | 12.5408% | 5,575 |
| Memoranda: | ||
| Average total assets | $284,476,500 | 2,293 |
| Average earning assets | $270,316,500 | 2,246 |
| Average equity | $25,407,000 | 2,710 |
| Average total loans | $236,069,500 | 1,833 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 3,009 |
| Cost of funding earning assets | 0.5178% | 2,508 |
| Net interest margin | 3.6636% | 3,156 |
| Noninterest income to average assets | 0.7016% | 2,296 |
| Noninterest expense to average assets | 3.2667% | 2,022 |
| Loan and lease loss provision to assets | 0.0388% | 3,792 |
| Net operating income to assets | 0.5426% | 4,630 |
| Return on assets (ROA) | 0.5343% | 4,749 |
| Pretax return on assets | 0.8732% | 3,987 |
| Return on Equity (ROE) | 6.1938% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.0680% | 2,552 |
| Net charge-offs to loans | 0.0385% | 4,058 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 29.7727% | 1,343 |
| Efficiency ratio | 77.9294% | 2,218 |
| Assets per employee ($millions) | 3.9855% | 3,991 |
| Cash dividends to net income (ytd only)* | 18.1758% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 2,571 |
| Loan loss allowance to noncurrent loans | 134.0638% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 2,837 |
| Noncurrent loans to loans | 1.1027% | 2,622 |
| Net loans and leases to total assets | 82.1266% | 510 |
| Net loans and leases to deposits | 96.7209% | 852 |
| Net loans and leases to core deposits | 102.7769% | 1,192 |
| Total domestic deposits to total assets | 84.9110% | 3,326 |
| Equity capital to assets | 8.8704% | 5,411 |
| Core capital (leverage) ratio | 8.9331% | 5,083 |
| Tier 1 risk-based capital ratio | 11.1205% | 5,859 |
| Total risk-based capital ratio | 12.3739% | 5,798 |
| Memoranda: | ||
| Average total assets | $283,195,200 | 2,251 |
| Average earning assets | $269,791,600 | 2,198 |
| Average equity | $24,427,800 | 2,719 |
| Average total loans | $228,737,800 | 1,831 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 3,079 |
| Cost of funding earning assets | 0.5461% | 2,329 |
| Net interest margin | 3.6269% | 3,323 |
| Noninterest income to average assets | 0.7202% | 2,226 |
| Noninterest expense to average assets | 3.2413% | 2,049 |
| Loan and lease loss provision to assets | 0.0518% | 3,340 |
| Net operating income to assets | 0.5406% | 4,708 |
| Return on assets (ROA) | 0.5300% | 4,834 |
| Pretax return on assets | 0.8652% | 4,122 |
| Return on Equity (ROE) | 6.1885% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.2816% | 2,896 |
| Net charge-offs to loans | 0.0335% | 3,817 |
| Credit loss provision to net charge-offs | 192.9825% | 1,302 |
| Earnings coverage of net charge-offs (x) | 34.7886% | 1,244 |
| Efficiency ratio | 77.6412% | 2,244 |
| Assets per employee ($millions) | 3.9070% | 4,073 |
| Cash dividends to net income (ytd only)* | 14.6533% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 2,674 |
| Loan loss allowance to noncurrent loans | 126.5013% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0416% | 2,880 |
| Noncurrent loans to loans | 1.1913% | 2,669 |
| Net loans and leases to total assets | 81.7357% | 536 |
| Net loans and leases to deposits | 97.2092% | 778 |
| Net loans and leases to core deposits | 100.9971% | 1,294 |
| Total domestic deposits to total assets | 84.0823% | 3,725 |
| Equity capital to assets | 8.8179% | 5,531 |
| Core capital (leverage) ratio | 8.6719% | 5,478 |
| Tier 1 risk-based capital ratio | 11.0171% | 5,985 |
| Total risk-based capital ratio | 12.2708% | 5,934 |
| Memoranda: | ||
| Average total assets | $283,250,500 | 2,266 |
| Average earning assets | $269,795,500 | 2,212 |
| Average equity | $24,259,500 | 2,740 |
| Average total loans | $226,951,250 | 1,859 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 3,280 |
| Cost of funding earning assets | 0.5580% | 2,282 |
| Net interest margin | 3.5572% | 3,541 |
| Noninterest income to average assets | 0.6918% | 2,324 |
| Noninterest expense to average assets | 3.1863% | 2,234 |
| Loan and lease loss provision to assets | 0.0775% | 2,728 |
| Net operating income to assets | 0.5026% | 4,800 |
| Return on assets (ROA) | 0.4931% | 4,912 |
| Pretax return on assets | 0.8038% | 4,249 |
| Return on Equity (ROE) | 5.8145% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.4407% | 2,678 |
| Net charge-offs to loans | -0.0062% | 5,212 |
| Credit loss provision to net charge-offs | -1,571.4286% | 5,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0500% | 2,285 |
| Assets per employee ($millions) | 4.1240% | 3,604 |
| Cash dividends to net income (ytd only)* | 6.4286% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 2,702 |
| Loan loss allowance to noncurrent loans | 108.9416% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 2,560 |
| Noncurrent loans to loans | 1.4162% | 2,434 |
| Net loans and leases to total assets | 79.1833% | 777 |
| Net loans and leases to deposits | 94.4660% | 926 |
| Net loans and leases to core deposits | 98.1599% | 1,430 |
| Total domestic deposits to total assets | 83.8221% | 3,984 |
| Equity capital to assets | 8.4946% | 5,804 |
| Core capital (leverage) ratio | 8.5833% | 5,544 |
| Tier 1 risk-based capital ratio | 11.0229% | 6,044 |
| Total risk-based capital ratio | 12.2773% | 5,980 |
| Memoranda: | ||
| Average total assets | $283,899,670 | 2,262 |
| Average earning assets | $270,609,330 | 2,204 |
| Average equity | $24,077,670 | 2,746 |
| Average total loans | $224,787,330 | 1,868 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 3,256 |
| Cost of funding earning assets | 0.5777% | 2,172 |
| Net interest margin | 3.5285% | 3,577 |
| Noninterest income to average assets | 0.7076% | 2,139 |
| Noninterest expense to average assets | 3.1857% | 2,280 |
| Loan and lease loss provision to assets | 0.0995% | 2,266 |
| Net operating income to assets | 0.4859% | 4,758 |
| Return on assets (ROA) | 0.4859% | 4,833 |
| Pretax return on assets | 0.7900% | 4,147 |
| Return on Equity (ROE) | 5.7345% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.7345% | 2,677 |
| Net charge-offs to loans | -0.0217% | 5,394 |
| Credit loss provision to net charge-offs | -583.3333% | 5,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1729% | 2,451 |
| Assets per employee ($millions) | 3.9374% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 2,775 |
| Loan loss allowance to noncurrent loans | 100.4816% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3401% | 2,637 |
| Noncurrent loans to loans | 1.5759% | 2,451 |
| Net loans and leases to total assets | 77.7626% | 789 |
| Net loans and leases to deposits | 89.5684% | 1,199 |
| Net loans and leases to core deposits | 93.0005% | 1,640 |
| Total domestic deposits to total assets | 86.8192% | 2,928 |
| Equity capital to assets | 8.5060% | 5,651 |
| Core capital (leverage) ratio | 8.5877% | 5,535 |
| Tier 1 risk-based capital ratio | 11.3186% | 6,012 |
| Total risk-based capital ratio | 12.5739% | 5,957 |
| Memoranda: | ||
| Average total assets | $281,511,000 | 2,290 |
| Average earning assets | $268,673,000 | 2,228 |
| Average equity | $23,855,500 | 2,770 |
| Average total loans | $221,098,000 | 1,891 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 3,674 |
| Cost of funding earning assets | 0.8430% | 979 |
| Net interest margin | 3.2735% | 4,760 |
| Noninterest income to average assets | 0.7803% | 2,165 |
| Noninterest expense to average assets | 3.2586% | 2,257 |
| Loan and lease loss provision to assets | 0.0529% | 4,081 |
| Net operating income to assets | 0.3397% | 5,380 |
| Return on assets (ROA) | 0.3400% | 5,485 |
| Pretax return on assets | 0.5501% | 5,045 |
| Return on Equity (ROE) | 3.9967% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.9967% | 3,351 |
| Net charge-offs to loans | 0.1443% | 3,358 |
| Credit loss provision to net charge-offs | 48.6577% | 3,848 |
| Earnings coverage of net charge-offs (x) | 5.5436% | 3,272 |
| Efficiency ratio | 84.3930% | 1,585 |
| Assets per employee ($millions) | 3.8823% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 2,803 |
| Loan loss allowance to noncurrent loans | 94.8795% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 2,644 |
| Noncurrent loans to loans | 1.6737% | 2,399 |
| Net loans and leases to total assets | 76.8194% | 974 |
| Net loans and leases to deposits | 87.3988% | 1,533 |
| Net loans and leases to core deposits | 91.2003% | 1,887 |
| Total domestic deposits to total assets | 87.8953% | 2,237 |
| Equity capital to assets | 8.4418% | 5,646 |
| Core capital (leverage) ratio | 8.6095% | 5,527 |
| Tier 1 risk-based capital ratio | 11.4314% | 5,943 |
| Total risk-based capital ratio | 12.6866% | 5,884 |
| Memoranda: | ||
| Average total assets | $274,132,400 | 2,314 |
| Average earning assets | $258,013,600 | 2,261 |
| Average equity | $23,319,200 | 2,785 |
| Average total loans | $206,463,800 | 1,953 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 3,588 |
| Cost of funding earning assets | 0.8765% | 921 |
| Net interest margin | 3.2672% | 4,762 |
| Noninterest income to average assets | 0.7913% | 2,195 |
| Noninterest expense to average assets | 3.2728% | 2,136 |
| Loan and lease loss provision to assets | 0.0464% | 4,086 |
| Net operating income to assets | 0.3319% | 5,487 |
| Return on assets (ROA) | 0.3319% | 5,615 |
| Pretax return on assets | 0.5367% | 5,244 |
| Return on Equity (ROE) | 3.8938% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.8938% | 3,917 |
| Net charge-offs to loans | 0.1114% | 3,428 |
| Credit loss provision to net charge-offs | 55.8824% | 3,381 |
| Earnings coverage of net charge-offs (x) | 7.0177% | 2,864 |
| Efficiency ratio | 84.8777% | 1,491 |
| Assets per employee ($millions) | 3.7638% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 2,542 |
| Loan loss allowance to noncurrent loans | 56.6246% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 2.3861% | 1,638 |
| Noncurrent loans to loans | 3.0446% | 1,311 |
| Net loans and leases to total assets | 73.5064% | 1,364 |
| Net loans and leases to deposits | 80.6958% | 2,307 |
| Net loans and leases to core deposits | 85.4449% | 2,473 |
| Total domestic deposits to total assets | 91.0908% | 494 |
| Equity capital to assets | 8.5176% | 5,718 |
| Core capital (leverage) ratio | 8.3920% | 5,867 |
| Tier 1 risk-based capital ratio | 11.5943% | 6,010 |
| Total risk-based capital ratio | 12.8507% | 5,973 |
| Memoranda: | ||
| Average total assets | $272,783,750 | 2,333 |
| Average earning assets | $255,869,500 | 2,289 |
| Average equity | $23,249,750 | 2,819 |
| Average total loans | $203,530,750 | 1,982 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 3,515 |
| Cost of funding earning assets | 0.8951% | 921 |
| Net interest margin | 3.2609% | 4,728 |
| Noninterest income to average assets | 0.7592% | 2,368 |
| Noninterest expense to average assets | 3.3022% | 2,064 |
| Loan and lease loss provision to assets | 0.0698% | 3,640 |
| Net operating income to assets | 0.2727% | 5,703 |
| Return on assets (ROA) | 0.2727% | 5,838 |
| Pretax return on assets | 0.4395% | 5,553 |
| Return on Equity (ROE) | 3.1985% | 5,546 |
| Retained earnings to average equity (ytd only) | 3.1985% | 4,277 |
| Net charge-offs to loans | 0.0956% | 3,405 |
| Credit loss provision to net charge-offs | 97.9381% | 2,283 |
| Earnings coverage of net charge-offs (x) | 7.1443% | 2,591 |
| Efficiency ratio | 86.6371% | 1,351 |
| Assets per employee ($millions) | 3.6618% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 2,537 |
| Loan loss allowance to noncurrent loans | 53.4911% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 2.4615% | 1,724 |
| Noncurrent loans to loans | 3.3044% | 1,320 |
| Net loans and leases to total assets | 73.1741% | 1,378 |
| Net loans and leases to deposits | 80.1449% | 2,299 |
| Net loans and leases to core deposits | 85.0708% | 2,429 |
| Total domestic deposits to total assets | 91.3022% | 443 |
| Equity capital to assets | 8.3402% | 5,931 |
| Core capital (leverage) ratio | 8.3312% | 5,848 |
| Tier 1 risk-based capital ratio | 11.4276% | 6,148 |
| Total risk-based capital ratio | 12.6846% | 6,106 |
| Memoranda: | ||
| Average total assets | $272,124,670 | 2,346 |
| Average earning assets | $254,717,670 | 2,308 |
| Average equity | $23,198,670 | 2,843 |
| Average total loans | $202,871,000 | 1,991 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 3,231 |
| Cost of funding earning assets | 0.9099% | 944 |
| Net interest margin | 3.3058% | 4,496 |
| Noninterest income to average assets | 0.6719% | 2,747 |
| Noninterest expense to average assets | 3.2606% | 2,183 |
| Loan and lease loss provision to assets | 0.0886% | 3,184 |
| Net operating income to assets | 0.2629% | 5,689 |
| Return on assets (ROA) | 0.2629% | 5,809 |
| Pretax return on assets | 0.4238% | 5,488 |
| Return on Equity (ROE) | 3.0498% | 5,569 |
| Retained earnings to average equity (ytd only) | 3.0498% | 4,449 |
| Net charge-offs to loans | -0.0139% | 5,563 |
| Credit loss provision to net charge-offs | -857.1429% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4188% | 1,465 |
| Assets per employee ($millions) | 3.5846% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,535 |
| Loan loss allowance to noncurrent loans | 68.2660% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.0248% | 2,306 |
| Noncurrent loans to loans | 2.6732% | 1,918 |
| Net loans and leases to total assets | 72.7699% | 1,236 |
| Net loans and leases to deposits | 79.9822% | 2,073 |
| Net loans and leases to core deposits | 85.4622% | 2,163 |
| Total domestic deposits to total assets | 90.9825% | 530 |
| Equity capital to assets | 8.5994% | 5,918 |
| Core capital (leverage) ratio | 8.3659% | 5,748 |
| Tier 1 risk-based capital ratio | 11.4896% | 6,190 |
| Total risk-based capital ratio | 12.7477% | 6,161 |
| Memoranda: | ||
| Average total assets | $270,870,000 | 2,383 |
| Average earning assets | $254,101,500 | 2,338 |
| Average equity | $23,345,500 | 2,873 |
| Average total loans | $202,018,000 | 2,015 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 3,246 |
| Cost of funding earning assets | 1.1015% | 901 |
| Net interest margin | 3.4372% | 4,756 |
| Noninterest income to average assets | 0.8521% | 2,032 |
| Noninterest expense to average assets | 3.2579% | 2,456 |
| Loan and lease loss provision to assets | 0.2735% | 2,458 |
| Net operating income to assets | 0.3140% | 5,417 |
| Return on assets (ROA) | 0.3140% | 5,625 |
| Pretax return on assets | 0.5086% | 5,257 |
| Return on Equity (ROE) | 3.6932% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.6932% | 3,620 |
| Net charge-offs to loans | 0.7197% | 1,636 |
| Credit loss provision to net charge-offs | 50.9408% | 4,676 |
| Earnings coverage of net charge-offs (x) | 1.4564% | 4,717 |
| Efficiency ratio | 80.6410% | 2,064 |
| Assets per employee ($millions) | 3.7405% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,619 |
| Loan loss allowance to noncurrent loans | 62.1863% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 2.2216% | 2,206 |
| Noncurrent loans to loans | 2.8787% | 1,819 |
| Net loans and leases to total assets | 73.7017% | 1,236 |
| Net loans and leases to deposits | 81.0434% | 2,139 |
| Net loans and leases to core deposits | 86.7382% | 2,227 |
| Total domestic deposits to total assets | 90.9411% | 521 |
| Equity capital to assets | 8.6382% | 5,919 |
| Core capital (leverage) ratio | 8.3430% | 5,835 |
| Tier 1 risk-based capital ratio | 11.4341% | 6,145 |
| Total risk-based capital ratio | 12.6913% | 6,107 |
| Memoranda: | ||
| Average total assets | $267,229,200 | 2,369 |
| Average earning assets | $247,844,400 | 2,344 |
| Average equity | $22,717,400 | 2,883 |
| Average total loans | $199,381,200 | 2,012 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 3,266 |
| Cost of funding earning assets | 1.1423% | 891 |
| Net interest margin | 3.4437% | 4,863 |
| Noninterest income to average assets | 0.8803% | 1,907 |
| Noninterest expense to average assets | 3.2629% | 2,377 |
| Loan and lease loss provision to assets | 0.2829% | 2,302 |
| Net operating income to assets | 0.3219% | 5,539 |
| Return on assets (ROA) | 0.3219% | 5,742 |
| Pretax return on assets | 0.5219% | 5,400 |
| Return on Equity (ROE) | 3.8026% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.8026% | 4,214 |
| Net charge-offs to loans | 0.8871% | 1,234 |
| Credit loss provision to net charge-offs | 42.8139% | 4,555 |
| Earnings coverage of net charge-offs (x) | 1.2179% | 4,686 |
| Efficiency ratio | 80.2138% | 2,065 |
| Assets per employee ($millions) | 3.6862% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 2,794 |
| Loan loss allowance to noncurrent loans | 65.0611% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.1364% | 2,510 |
| Noncurrent loans to loans | 2.7682% | 2,033 |
| Net loans and leases to total assets | 73.2594% | 1,359 |
| Net loans and leases to deposits | 80.6763% | 2,295 |
| Net loans and leases to core deposits | 86.7939% | 2,370 |
| Total domestic deposits to total assets | 90.8065% | 469 |
| Equity capital to assets | 8.7101% | 6,095 |
| Core capital (leverage) ratio | 8.2897% | 6,026 |
| Tier 1 risk-based capital ratio | 11.5469% | 6,201 |
| Total risk-based capital ratio | 12.8044% | 6,171 |
| Memoranda: | ||
| Average total assets | $266,708,000 | 2,402 |
| Average earning assets | $246,861,000 | 2,379 |
| Average equity | $22,580,750 | 2,924 |
| Average total loans | $198,699,750 | 2,037 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 3,423 |
| Cost of funding earning assets | 1.1828% | 885 |
| Net interest margin | 3.4050% | 5,058 |
| Noninterest income to average assets | 0.9014% | 1,785 |
| Noninterest expense to average assets | 3.2919% | 2,332 |
| Loan and lease loss provision to assets | 0.3084% | 2,142 |
| Net operating income to assets | 0.2755% | 5,691 |
| Return on assets (ROA) | 0.2755% | 5,884 |
| Pretax return on assets | 0.4477% | 5,581 |
| Return on Equity (ROE) | 3.2854% | 5,565 |
| Retained earnings to average equity (ytd only) | 3.2854% | 4,421 |
| Net charge-offs to loans | 0.9390% | 1,175 |
| Credit loss provision to net charge-offs | 44.1113% | 4,169 |
| Earnings coverage of net charge-offs (x) | 1.0814% | 4,477 |
| Efficiency ratio | 81.3205% | 1,984 |
| Assets per employee ($millions) | 3.6269% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 2,524 |
| Loan loss allowance to noncurrent loans | 56.9972% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 2.8149% | 1,956 |
| Noncurrent loans to loans | 3.3492% | 1,735 |
| Net loans and leases to total assets | 71.7816% | 1,593 |
| Net loans and leases to deposits | 78.7235% | 2,559 |
| Net loans and leases to core deposits | 84.9844% | 2,563 |
| Total domestic deposits to total assets | 91.1819% | 393 |
| Equity capital to assets | 8.3464% | 6,340 |
| Core capital (leverage) ratio | 8.2022% | 6,048 |
| Tier 1 risk-based capital ratio | 11.3261% | 6,329 |
| Total risk-based capital ratio | 12.5848% | 6,294 |
| Memoranda: | ||
| Average total assets | $267,142,330 | 2,395 |
| Average earning assets | $246,869,000 | 2,382 |
| Average equity | $22,402,000 | 2,934 |
| Average total loans | $198,933,000 | 2,032 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 3,307 |
| Cost of funding earning assets | 1.2531% | 769 |
| Net interest margin | 3.3879% | 5,166 |
| Noninterest income to average assets | 0.9550% | 1,545 |
| Noninterest expense to average assets | 3.3275% | 2,208 |
| Loan and lease loss provision to assets | 0.3717% | 1,698 |
| Net operating income to assets | 0.2372% | 5,862 |
| Return on assets (ROA) | 0.2372% | 6,011 |
| Pretax return on assets | 0.3853% | 5,766 |
| Return on Equity (ROE) | 2.8223% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.8223% | 4,840 |
| Net charge-offs to loans | 1.0560% | 979 |
| Credit loss provision to net charge-offs | 46.8571% | 3,333 |
| Earnings coverage of net charge-offs (x) | 0.9543% | 3,852 |
| Efficiency ratio | 81.4650% | 2,012 |
| Assets per employee ($millions) | 3.2940% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 2,245 |
| Loan loss allowance to noncurrent loans | 54.0291% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 3.2652% | 1,767 |
| Noncurrent loans to loans | 3.7717% | 1,643 |
| Net loans and leases to total assets | 72.8437% | 1,251 |
| Net loans and leases to deposits | 79.9367% | 2,207 |
| Net loans and leases to core deposits | 86.7924% | 2,199 |
| Total domestic deposits to total assets | 91.1267% | 501 |
| Equity capital to assets | 8.3587% | 6,212 |
| Core capital (leverage) ratio | 8.1873% | 6,042 |
| Tier 1 risk-based capital ratio | 11.1872% | 6,453 |
| Total risk-based capital ratio | 12.4475% | 6,433 |
| Memoranda: | ||
| Average total assets | $264,703,000 | 2,431 |
| Average earning assets | $244,516,500 | 2,414 |
| Average equity | $22,251,000 | 2,951 |
| Average total loans | $198,869,000 | 2,046 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0155% | 2,808 |
| Cost of funding earning assets | 1.3413% | 1,286 |
| Net interest margin | 3.6741% | 4,417 |
| Noninterest income to average assets | 0.3066% | 5,349 |
| Noninterest expense to average assets | 3.6150% | 1,717 |
| Loan and lease loss provision to assets | 1.3330% | 601 |
| Net operating income to assets | -0.7617% | 6,638 |
| Return on assets (ROA) | -0.6290% | 6,605 |
| Pretax return on assets | -1.0398% | 6,748 |
| Return on Equity (ROE) | -6.9697% | 6,632 |
| Retained earnings to average equity (ytd only) | -7.1913% | 6,584 |
| Net charge-offs to loans | 0.7196% | 2,355 |
| Credit loss provision to net charge-offs | 238.4721% | 1,016 |
| Earnings coverage of net charge-offs (x) | 0.1535% | 5,723 |
| Efficiency ratio | 97.6819% | 739 |
| Assets per employee ($millions) | 3.2824% | 5,545 |
| Cash dividends to net income (ytd only)* | -3.1804% | 7,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1682% | 1,863 |
| Loan loss allowance to noncurrent loans | 48.1614% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 4.1193% | 1,390 |
| Noncurrent loans to loans | 4.5019% | 1,326 |
| Net loans and leases to total assets | 74.2657% | 1,222 |
| Net loans and leases to deposits | 81.5334% | 2,268 |
| Net loans and leases to core deposits | 88.8538% | 2,267 |
| Total domestic deposits to total assets | 91.0863% | 477 |
| Equity capital to assets | 8.4541% | 6,198 |
| Core capital (leverage) ratio | 8.0630% | 6,188 |
| Tier 1 risk-based capital ratio | 10.9798% | 6,468 |
| Total risk-based capital ratio | 12.2419% | 6,441 |
| Memoranda: | ||
| Average total assets | $259,942,200 | 2,428 |
| Average earning assets | $240,137,400 | 2,401 |
| Average equity | $23,458,800 | 2,735 |
| Average total loans | $201,923,400 | 2,028 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 2,625 |
| Cost of funding earning assets | 1.3444% | 1,482 |
| Net interest margin | 3.7513% | 4,101 |
| Noninterest income to average assets | 0.5060% | 3,824 |
| Noninterest expense to average assets | 3.6598% | 1,582 |
| Loan and lease loss provision to assets | 0.7312% | 1,311 |
| Net operating income to assets | -0.2592% | 6,447 |
| Return on assets (ROA) | -0.0818% | 6,349 |
| Pretax return on assets | -0.1440% | 6,369 |
| Return on Equity (ROE) | -0.8917% | 6,366 |
| Retained earnings to average equity (ytd only) | -1.1834% | 6,182 |
| Net charge-offs to loans | 0.7148% | 2,121 |
| Credit loss provision to net charge-offs | 130.9392% | 2,431 |
| Earnings coverage of net charge-offs (x) | 0.5553% | 5,217 |
| Efficiency ratio | 92.1891% | 1,020 |
| Assets per employee ($millions) | 3.2041% | 5,671 |
| Cash dividends to net income (ytd only)* | -32.7044% | 7,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,951 |
| Loan loss allowance to noncurrent loans | 31.2618% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 4.1456% | 1,476 |
| Noncurrent loans to loans | 4.2024% | 1,563 |
| Net loans and leases to total assets | 75.6514% | 1,027 |
| Net loans and leases to deposits | 83.4877% | 2,093 |
| Net loans and leases to core deposits | 90.9742% | 2,120 |
| Total domestic deposits to total assets | 90.6138% | 584 |
| Equity capital to assets | 9.0109% | 5,748 |
| Core capital (leverage) ratio | 8.9673% | 4,987 |
| Tier 1 risk-based capital ratio | 12.0288% | 5,873 |
| Total risk-based capital ratio | 13.2798% | 5,864 |
| Memoranda: | ||
| Average total assets | $259,279,000 | 2,445 |
| Average earning assets | $239,410,500 | 2,412 |
| Average equity | $23,773,500 | 2,697 |
| Average total loans | $202,569,250 | 2,041 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 2,815 |
| Cost of funding earning assets | 1.3262% | 1,790 |
| Net interest margin | 3.7461% | 4,052 |
| Noninterest income to average assets | 0.6764% | 2,675 |
| Noninterest expense to average assets | 3.7354% | 1,471 |
| Loan and lease loss provision to assets | 0.7198% | 1,306 |
| Net operating income to assets | -0.1671% | 6,437 |
| Return on assets (ROA) | -0.1612% | 6,472 |
| Pretax return on assets | -0.2743% | 6,514 |
| Return on Equity (ROE) | -1.7474% | 6,492 |
| Retained earnings to average equity (ytd only) | -2.1843% | 6,275 |
| Net charge-offs to loans | 0.6957% | 2,111 |
| Credit loss provision to net charge-offs | 131.5864% | 2,320 |
| Earnings coverage of net charge-offs (x) | 0.7975% | 4,701 |
| Efficiency ratio | 89.5431% | 1,273 |
| Assets per employee ($millions) | 3.1639% | 5,717 |
| Cash dividends to net income (ytd only)* | -25.0000% | 7,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 5,294 |
| Loan loss allowance to noncurrent loans | 34.1099% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 3.7882% | 1,714 |
| Noncurrent loans to loans | 3.6733% | 1,916 |
| Net loans and leases to total assets | 75.1120% | 1,224 |
| Net loans and leases to deposits | 82.9353% | 2,290 |
| Net loans and leases to core deposits | 89.7801% | 2,404 |
| Total domestic deposits to total assets | 90.5671% | 690 |
| Equity capital to assets | 8.9773% | 5,612 |
| Core capital (leverage) ratio | 8.9650% | 4,780 |
| Tier 1 risk-based capital ratio | 11.9085% | 5,855 |
| Total risk-based capital ratio | 13.1587% | 5,829 |
| Memoranda: | ||
| Average total assets | $258,126,000 | 2,474 |
| Average earning assets | $240,839,000 | 2,419 |
| Average equity | $23,806,330 | 2,672 |
| Average total loans | $202,955,330 | 2,058 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1425% | 2,463 |
| Cost of funding earning assets | 1.3290% | 2,016 |
| Net interest margin | 3.8134% | 3,548 |
| Noninterest income to average assets | 0.6386% | 2,909 |
| Noninterest expense to average assets | 3.8631% | 1,228 |
| Loan and lease loss provision to assets | 1.1435% | 626 |
| Net operating income to assets | -0.4876% | 6,800 |
| Return on assets (ROA) | -0.4876% | 6,805 |
| Pretax return on assets | -0.8116% | 6,930 |
| Return on Equity (ROE) | -5.2145% | 6,821 |
| Retained earnings to average equity (ytd only) | -6.0892% | 6,602 |
| Net charge-offs to loans | 0.7121% | 1,789 |
| Credit loss provision to net charge-offs | 200.8287% | 1,474 |
| Earnings coverage of net charge-offs (x) | 0.5829% | 4,188 |
| Efficiency ratio | 92.0885% | 1,160 |
| Assets per employee ($millions) | 2.8524% | 6,438 |
| Cash dividends to net income (ytd only)* | -16.7742% | 7,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 4,952 |
| Loan loss allowance to noncurrent loans | 36.5987% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 3.8009% | 1,776 |
| Noncurrent loans to loans | 3.6597% | 2,027 |
| Net loans and leases to total assets | 75.9111% | 1,040 |
| Net loans and leases to deposits | 83.9956% | 2,030 |
| Net loans and leases to core deposits | 90.2723% | 2,317 |
| Total domestic deposits to total assets | 90.3752% | 917 |
| Equity capital to assets | 9.0932% | 5,066 |
| Core capital (leverage) ratio | 9.2990% | 4,125 |
| Tier 1 risk-based capital ratio | 12.0566% | 5,638 |
| Total risk-based capital ratio | 13.3093% | 5,632 |
| Memoranda: | ||
| Average total assets | $254,303,500 | 2,525 |
| Average earning assets | $237,162,000 | 2,472 |
| Average equity | $23,780,000 | 2,663 |
| Average total loans | $203,353,500 | 2,074 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8257% | 1,210 |
| Cost of funding earning assets | 1.6074% | 2,032 |
| Net interest margin | 4.2184% | 2,110 |
| Noninterest income to average assets | 0.7411% | 2,585 |
| Noninterest expense to average assets | 3.8460% | 1,401 |
| Loan and lease loss provision to assets | 0.5196% | 3,077 |
| Net operating income to assets | 0.1167% | 5,545 |
| Return on assets (ROA) | 0.1351% | 5,640 |
| Pretax return on assets | 0.2094% | 5,468 |
| Return on Equity (ROE) | 1.5554% | 5,541 |
| Retained earnings to average equity (ytd only) | 1.5554% | 4,756 |
| Net charge-offs to loans | 0.3175% | 4,431 |
| Credit loss provision to net charge-offs | 197.1519% | 1,606 |
| Earnings coverage of net charge-offs (x) | 2.6582% | 3,768 |
| Efficiency ratio | 84.5900% | 1,851 |
| Assets per employee ($millions) | 2.7982% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,896 |
| Loan loss allowance to noncurrent loans | 34.2476% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 3.7295% | 1,843 |
| Noncurrent loans to loans | 3.2586% | 2,329 |
| Net loans and leases to total assets | 82.1883% | 438 |
| Net loans and leases to deposits | 91.4739% | 1,328 |
| Net loans and leases to core deposits | 97.8053% | 1,812 |
| Total domestic deposits to total assets | 89.8490% | 1,189 |
| Equity capital to assets | 9.6198% | 4,248 |
| Core capital (leverage) ratio | 9.7043% | 3,425 |
| Tier 1 risk-based capital ratio | 12.0712% | 5,407 |
| Total risk-based capital ratio | 13.2399% | 5,465 |
| Memoranda: | ||
| Average total assets | $239,782,800 | 2,640 |
| Average earning assets | $216,315,800 | 2,671 |
| Average equity | $20,831,200 | 3,033 |
| Average total loans | $199,028,600 | 2,165 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9806% | 975 |
| Cost of funding earning assets | 1.6858% | 1,945 |
| Net interest margin | 4.2948% | 1,865 |
| Noninterest income to average assets | 0.6861% | 2,901 |
| Noninterest expense to average assets | 3.8584% | 1,266 |
| Loan and lease loss provision to assets | 0.3655% | 3,708 |
| Net operating income to assets | 0.1900% | 5,536 |
| Return on assets (ROA) | 0.2145% | 5,629 |
| Pretax return on assets | 0.3397% | 5,398 |
| Return on Equity (ROE) | 2.5403% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.5403% | 4,640 |
| Net charge-offs to loans | 0.2720% | 4,314 |
| Credit loss provision to net charge-offs | 161.9403% | 2,327 |
| Earnings coverage of net charge-offs (x) | 2.9552% | 3,652 |
| Efficiency ratio | 85.2605% | 1,707 |
| Assets per employee ($millions) | 2.7574% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 6,525 |
| Loan loss allowance to noncurrent loans | 23.8885% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 4.4355% | 1,534 |
| Noncurrent loans to loans | 4.0547% | 1,838 |
| Net loans and leases to total assets | 83.8605% | 338 |
| Net loans and leases to deposits | 93.6284% | 1,243 |
| Net loans and leases to core deposits | 99.9347% | 1,857 |
| Total domestic deposits to total assets | 89.5675% | 1,089 |
| Equity capital to assets | 9.9590% | 4,208 |
| Core capital (leverage) ratio | 9.7868% | 3,507 |
| Tier 1 risk-based capital ratio | 12.0793% | 5,378 |
| Total risk-based capital ratio | 13.0827% | 5,584 |
| Memoranda: | ||
| Average total assets | $237,468,750 | 2,699 |
| Average earning assets | $212,281,250 | 2,764 |
| Average equity | $20,049,750 | 3,186 |
| Average total loans | $197,038,000 | 2,221 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0060% | 935 |
| Cost of funding earning assets | 1.7311% | 1,961 |
| Net interest margin | 4.2749% | 1,871 |
| Noninterest income to average assets | 0.5935% | 3,386 |
| Noninterest expense to average assets | 3.8261% | 1,314 |
| Loan and lease loss provision to assets | 0.3586% | 3,557 |
| Net operating income to assets | 0.1419% | 5,745 |
| Return on assets (ROA) | 0.1726% | 5,785 |
| Pretax return on assets | 0.2694% | 5,600 |
| Return on Equity (ROE) | 2.1738% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.1738% | 4,762 |
| Net charge-offs to loans | 0.2911% | 3,873 |
| Credit loss provision to net charge-offs | 149.4737% | 2,638 |
| Earnings coverage of net charge-offs (x) | 2.4175% | 3,786 |
| Efficiency ratio | 86.8361% | 1,616 |
| Assets per employee ($millions) | 2.7887% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 6,700 |
| Loan loss allowance to noncurrent loans | 37.3298% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 2.9546% | 2,418 |
| Noncurrent loans to loans | 2.4543% | 3,191 |
| Net loans and leases to total assets | 82.8392% | 452 |
| Net loans and leases to deposits | 90.8322% | 1,721 |
| Net loans and leases to core deposits | 98.7573% | 2,146 |
| Total domestic deposits to total assets | 91.2003% | 414 |
| Equity capital to assets | 8.1813% | 6,565 |
| Core capital (leverage) ratio | 8.1124% | 6,101 |
| Tier 1 risk-based capital ratio | 10.0688% | 6,987 |
| Total risk-based capital ratio | 11.0169% | 7,134 |
| Memoranda: | ||
| Average total assets | $237,580,670 | 2,728 |
| Average earning assets | $211,886,670 | 2,790 |
| Average equity | $18,861,000 | 3,321 |
| Average total loans | $195,782,000 | 2,256 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9798% | 1,015 |
| Cost of funding earning assets | 1.7618% | 2,058 |
| Net interest margin | 4.2180% | 1,967 |
| Noninterest income to average assets | 0.5684% | 3,500 |
| Noninterest expense to average assets | 3.8265% | 1,286 |
| Loan and lease loss provision to assets | 0.3603% | 3,214 |
| Net operating income to assets | 0.0880% | 6,057 |
| Return on assets (ROA) | 0.0880% | 6,155 |
| Pretax return on assets | 0.1319% | 6,053 |
| Return on Equity (ROE) | 1.1255% | 6,089 |
| Retained earnings to average equity (ytd only) | 1.1255% | 5,369 |
| Net charge-offs to loans | 0.2564% | 3,403 |
| Credit loss provision to net charge-offs | 171.7742% | 2,108 |
| Earnings coverage of net charge-offs (x) | 2.3468% | 3,371 |
| Efficiency ratio | 88.6016% | 1,534 |
| Assets per employee ($millions) | 2.8109% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 6,826 |
| Loan loss allowance to noncurrent loans | 28.1590% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 3.4119% | 2,073 |
| Noncurrent loans to loans | 3.2151% | 2,483 |
| Net loans and leases to total assets | 81.7742% | 619 |
| Net loans and leases to deposits | 89.1328% | 2,047 |
| Net loans and leases to core deposits | 98.5156% | 2,293 |
| Total domestic deposits to total assets | 91.7443% | 308 |
| Equity capital to assets | 7.7510% | 6,885 |
| Core capital (leverage) ratio | 7.9009% | 6,385 |
| Tier 1 risk-based capital ratio | 9.5526% | 7,276 |
| Total risk-based capital ratio | 10.4763% | 7,416 |
| Memoranda: | ||
| Average total assets | $236,458,000 | 2,800 |
| Average earning assets | $210,242,500 | 2,872 |
| Average equity | $18,481,000 | 3,402 |
| Average total loans | $193,419,500 | 2,338 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1047% | 1,503 |
| Cost of funding earning assets | 2.0835% | 2,552 |
| Net interest margin | 4.0212% | 2,777 |
| Noninterest income to average assets | 0.8777% | 2,037 |
| Noninterest expense to average assets | 4.0173% | 1,340 |
| Loan and lease loss provision to assets | 0.4597% | 4,069 |
| Net operating income to assets | 0.0724% | 5,290 |
| Return on assets (ROA) | 0.0727% | 5,327 |
| Pretax return on assets | 0.1018% | 5,217 |
| Return on Equity (ROE) | 0.8859% | 5,265 |
| Retained earnings to average equity (ytd only) | 0.8859% | 4,404 |
| Net charge-offs to loans | 0.5153% | 3,716 |
| Credit loss provision to net charge-offs | 102.4768% | 5,391 |
| Earnings coverage of net charge-offs (x) | 1.2508% | 4,876 |
| Efficiency ratio | 87.7452% | 1,906 |
| Assets per employee ($millions) | 2.8192% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 6,838 |
| Loan loss allowance to noncurrent loans | 29.5110% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 3.1839% | 2,164 |
| Noncurrent loans to loans | 3.0299% | 2,547 |
| Net loans and leases to total assets | 80.3360% | 932 |
| Net loans and leases to deposits | 87.6298% | 2,623 |
| Net loans and leases to core deposits | 119.7120% | 1,970 |
| Total domestic deposits to total assets | 91.6766% | 335 |
| Equity capital to assets | 7.8819% | 6,690 |
| Core capital (leverage) ratio | 8.0899% | 6,010 |
| Tier 1 risk-based capital ratio | 9.7002% | 7,099 |
| Total risk-based capital ratio | 10.5938% | 7,289 |
| Memoranda: | ||
| Average total assets | $216,018,000 | 3,006 |
| Average earning assets | $198,798,800 | 2,985 |
| Average equity | $17,721,800 | 3,542 |
| Average total loans | $188,051,400 | 2,425 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1808% | 1,417 |
| Cost of funding earning assets | 2.1278% | 2,756 |
| Net interest margin | 4.0530% | 2,584 |
| Noninterest income to average assets | 0.8913% | 2,017 |
| Noninterest expense to average assets | 4.0738% | 1,182 |
| Loan and lease loss provision to assets | 0.3971% | 3,933 |
| Net operating income to assets | 0.1275% | 5,381 |
| Return on assets (ROA) | 0.1280% | 5,449 |
| Pretax return on assets | 0.1923% | 5,319 |
| Return on Equity (ROE) | 1.5430% | 5,316 |
| Retained earnings to average equity (ytd only) | 1.5430% | 4,448 |
| Net charge-offs to loans | 0.4590% | 3,392 |
| Credit loss provision to net charge-offs | 97.5232% | 5,236 |
| Earnings coverage of net charge-offs (x) | 1.4458% | 4,701 |
| Efficiency ratio | 87.3733% | 1,933 |
| Assets per employee ($millions) | 2.6413% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 6,867 |
| Loan loss allowance to noncurrent loans | 32.2681% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 3.1761% | 2,139 |
| Noncurrent loans to loans | 2.7074% | 2,799 |
| Net loans and leases to total assets | 86.7550% | 292 |
| Net loans and leases to deposits | 95.0685% | 1,701 |
| Net loans and leases to core deposits | 127.6909% | 1,605 |
| Total domestic deposits to total assets | 91.2553% | 323 |
| Equity capital to assets | 8.2355% | 6,590 |
| Core capital (leverage) ratio | 8.1827% | 6,050 |
| Tier 1 risk-based capital ratio | 9.5544% | 7,332 |
| Total risk-based capital ratio | 10.4457% | 7,537 |
| Memoranda: | ||
| Average total assets | $211,524,750 | 3,071 |
| Average earning assets | $196,818,750 | 3,032 |
| Average equity | $17,541,500 | 3,605 |
| Average total loans | $187,645,500 | 2,454 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1847% | 1,508 |
| Cost of funding earning assets | 2.1476% | 3,056 |
| Net interest margin | 4.0372% | 2,547 |
| Noninterest income to average assets | 0.9083% | 1,949 |
| Noninterest expense to average assets | 4.0937% | 1,195 |
| Loan and lease loss provision to assets | 0.3670% | 3,727 |
| Net operating income to assets | 0.1462% | 5,428 |
| Return on assets (ROA) | 0.1468% | 5,519 |
| Pretax return on assets | 0.2221% | 5,408 |
| Return on Equity (ROE) | 1.7658% | 5,383 |
| Retained earnings to average equity (ytd only) | 1.7658% | 4,357 |
| Net charge-offs to loans | 0.3593% | 3,382 |
| Credit loss provision to net charge-offs | 114.5833% | 4,039 |
| Earnings coverage of net charge-offs (x) | 1.8363% | 4,191 |
| Efficiency ratio | 87.4389% | 2,083 |
| Assets per employee ($millions) | 2.6542% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 6,688 |
| Loan loss allowance to noncurrent loans | 34.1333% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 2.7392% | 2,348 |
| Noncurrent loans to loans | 2.6933% | 2,671 |
| Net loans and leases to total assets | 86.2782% | 354 |
| Net loans and leases to deposits | 94.7469% | 1,982 |
| Net loans and leases to core deposits | 125.7931% | 1,894 |
| Total domestic deposits to total assets | 91.0618% | 432 |
| Equity capital to assets | 8.2293% | 6,446 |
| Core capital (leverage) ratio | 8.3509% | 5,710 |
| Tier 1 risk-based capital ratio | 9.6687% | 7,255 |
| Total risk-based capital ratio | 10.6072% | 7,486 |
| Memoranda: | ||
| Average total assets | $209,837,000 | 3,106 |
| Average earning assets | $196,127,670 | 3,056 |
| Average equity | $17,443,000 | 3,628 |
| Average total loans | $187,008,330 | 2,491 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1916% | 1,626 |
| Cost of funding earning assets | 2.1667% | 3,336 |
| Net interest margin | 4.0248% | 2,556 |
| Noninterest income to average assets | 0.8376% | 2,138 |
| Noninterest expense to average assets | 4.0586% | 1,115 |
| Loan and lease loss provision to assets | 0.3570% | 3,180 |
| Net operating income to assets | 0.1473% | 5,829 |
| Return on assets (ROA) | 0.1486% | 5,996 |
| Pretax return on assets | 0.2239% | 5,884 |
| Return on Equity (ROE) | 1.7784% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.7784% | 4,860 |
| Net charge-offs to loans | 0.3167% | 2,835 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 2.0270% | 3,707 |
| Efficiency ratio | 87.5156% | 1,930 |
| Assets per employee ($millions) | 2.5735% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 6,664 |
| Loan loss allowance to noncurrent loans | 42.4385% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 2.0489% | 2,826 |
| Noncurrent loans to loans | 2.1628% | 3,031 |
| Net loans and leases to total assets | 88.5019% | 229 |
| Net loans and leases to deposits | 97.5786% | 1,719 |
| Net loans and leases to core deposits | 126.0758% | 1,914 |
| Total domestic deposits to total assets | 90.6981% | 517 |
| Equity capital to assets | 8.3276% | 6,348 |
| Core capital (leverage) ratio | 8.4310% | 5,661 |
| Tier 1 risk-based capital ratio | 9.6605% | 7,283 |
| Total risk-based capital ratio | 10.6063% | 7,504 |
| Memoranda: | ||
| Average total assets | $207,262,000 | 3,152 |
| Average earning assets | $195,685,500 | 3,070 |
| Average equity | $17,318,500 | 3,670 |
| Average total loans | $186,908,500 | 2,510 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6310% | 2,336 |
| Cost of funding earning assets | 2.5461% | 3,973 |
| Net interest margin | 4.0850% | 2,777 |
| Noninterest income to average assets | 0.9254% | 1,875 |
| Noninterest expense to average assets | 3.9909% | 1,432 |
| Loan and lease loss provision to assets | 0.2893% | 4,067 |
| Net operating income to assets | 0.3156% | 5,495 |
| Return on assets (ROA) | 0.2392% | 5,553 |
| Pretax return on assets | 0.3646% | 5,342 |
| Return on Equity (ROE) | 2.8854% | 5,280 |
| Retained earnings to average equity (ytd only) | 1.6056% | 4,251 |
| Net charge-offs to loans | 0.2536% | 3,741 |
| Credit loss provision to net charge-offs | 129.8701% | 4,096 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 4,361 |
| Efficiency ratio | 83.8331% | 2,075 |
| Assets per employee ($millions) | 2.3962% | 7,402 |
| Cash dividends to net income (ytd only)* | 44.3548% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,726 |
| Loan loss allowance to noncurrent loans | 49.9254% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 1.7436% | 2,806 |
| Noncurrent loans to loans | 1.7849% | 3,085 |
| Net loans and leases to total assets | 90.2365% | 183 |
| Net loans and leases to deposits | 103.9540% | 1,347 |
| Net loans and leases to core deposits | 134.5029% | 1,565 |
| Total domestic deposits to total assets | 86.8042% | 2,032 |
| Equity capital to assets | 8.3844% | 6,285 |
| Core capital (leverage) ratio | 8.4162% | 5,723 |
| Tier 1 risk-based capital ratio | 9.5581% | 7,244 |
| Total risk-based capital ratio | 10.4779% | 7,536 |
| Memoranda: | ||
| Average total assets | $207,371,800 | 3,038 |
| Average earning assets | $194,690,200 | 2,964 |
| Average equity | $17,189,800 | 3,701 |
| Average total loans | $182,168,400 | 2,478 |