Home > North Middlesex Savings Bank > Performance and Condition Ratios
North Middlesex Savings Bank, Performance and Condition Ratios
| 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 | 3.8683% | 3,513 |
| Cost of funding earning assets | 0.5830% | 1,493 |
| Net interest margin | 3.2853% | 4,064 |
| Noninterest income to average assets | 0.4015% | 3,651 |
| Noninterest expense to average assets | 3.4767% | 1,074 |
| Loan and lease loss provision to assets | 0.0616% | 2,575 |
| Net operating income to assets | -0.0529% | 5,631 |
| Return on assets (ROA) | 1.6540% | 618 |
| Pretax return on assets | 2.4652% | 226 |
| Return on Equity (ROE) | 18.8064% | 294 |
| Retained earnings to average equity (ytd only) | 18.8064% | 128 |
| Net charge-offs to loans | 0.1197% | 1,211 |
| Credit loss provision to net charge-offs | 68.6869% | 1,849 |
| Earnings coverage of net charge-offs (x) | -0.2323% | 2,861 |
| Efficiency ratio | 100.6032% | 213 |
| Assets per employee ($millions) | 5.3691% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 4,025 |
| Loan loss allowance to noncurrent loans | 102.0270% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 2,393 |
| Noncurrent loans to loans | 1.0210% | 2,010 |
| Net loans and leases to total assets | 74.0342% | 1,734 |
| Net loans and leases to deposits | 91.5319% | 1,377 |
| Net loans and leases to core deposits | 114.1910% | 663 |
| Total domestic deposits to total assets | 80.8835% | 4,439 |
| Equity capital to assets | 8.9268% | 4,879 |
| Core capital (leverage) ratio | 9.2239% | 4,445 |
| Tier 1 risk-based capital ratio | 11.9406% | 4,757 |
| Total risk-based capital ratio | 13.1601% | 4,676 |
| Memoranda: | ||
| Average total assets | $441,341,500 | 1,602 |
| Average earning assets | $410,314,000 | 1,590 |
| Average equity | $38,816,500 | 1,932 |
| Average total loans | $330,765,000 | 1,455 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 3,350 |
| Cost of funding earning assets | 0.6135% | 1,250 |
| Net interest margin | 3.3448% | 4,011 |
| Noninterest income to average assets | 0.5155% | 3,127 |
| Noninterest expense to average assets | 2.9486% | 2,503 |
| Loan and lease loss provision to assets | 0.0611% | 3,149 |
| Net operating income to assets | 0.4526% | 4,789 |
| Return on assets (ROA) | 0.5571% | 4,510 |
| Pretax return on assets | 0.7729% | 4,260 |
| Return on Equity (ROE) | 6.2628% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.2628% | 1,575 |
| Net charge-offs to loans | 0.0003% | 4,278 |
| Credit loss provision to net charge-offs | 25,700.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 2,896.0000% | 15 |
| Efficiency ratio | 81.0608% | 1,295 |
| Assets per employee ($millions) | 5.3298% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,907 |
| Loan loss allowance to noncurrent loans | 95.5029% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 2,244 |
| Noncurrent loans to loans | 1.1181% | 1,849 |
| Net loans and leases to total assets | 74.2780% | 1,798 |
| Net loans and leases to deposits | 92.0672% | 1,449 |
| Net loans and leases to core deposits | 111.8138% | 791 |
| Total domestic deposits to total assets | 80.6780% | 4,418 |
| Equity capital to assets | 8.6609% | 5,143 |
| Core capital (leverage) ratio | 9.0200% | 4,718 |
| Tier 1 risk-based capital ratio | 11.6296% | 4,969 |
| Total risk-based capital ratio | 12.8787% | 4,874 |
| Memoranda: | ||
| Average total assets | $420,374,000 | 1,615 |
| Average earning assets | $392,364,600 | 1,601 |
| Average equity | $37,395,600 | 1,957 |
| Average total loans | $313,955,800 | 1,470 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,376 |
| Cost of funding earning assets | 0.6207% | 1,197 |
| Net interest margin | 3.3390% | 4,062 |
| Noninterest income to average assets | 0.5423% | 2,957 |
| Noninterest expense to average assets | 2.9488% | 2,463 |
| Loan and lease loss provision to assets | 0.0798% | 2,619 |
| Net operating income to assets | 0.4609% | 4,834 |
| Return on assets (ROA) | 0.5990% | 4,412 |
| Pretax return on assets | 0.8265% | 4,225 |
| Return on Equity (ROE) | 6.6877% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.6877% | 1,792 |
| Net charge-offs to loans | 0.0266% | 3,135 |
| Credit loss provision to net charge-offs | 401.6129% | 837 |
| Earnings coverage of net charge-offs (x) | 35.9698% | 1,321 |
| Efficiency ratio | 80.4985% | 1,376 |
| Assets per employee ($millions) | 5.1493% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 4,060 |
| Loan loss allowance to noncurrent loans | 96.7333% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 2,403 |
| Noncurrent loans to loans | 1.0974% | 2,060 |
| Net loans and leases to total assets | 74.9090% | 1,720 |
| Net loans and leases to deposits | 92.4297% | 1,440 |
| Net loans and leases to core deposits | 111.2023% | 853 |
| Total domestic deposits to total assets | 81.0443% | 4,237 |
| Equity capital to assets | 8.9524% | 5,216 |
| Core capital (leverage) ratio | 9.0817% | 4,742 |
| Tier 1 risk-based capital ratio | 11.6417% | 5,017 |
| Total risk-based capital ratio | 12.8948% | 4,917 |
| Memoranda: | ||
| Average total assets | $416,206,000 | 1,629 |
| Average earning assets | $389,006,000 | 1,608 |
| Average equity | $37,281,500 | 1,978 |
| Average total loans | $310,411,500 | 1,483 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,499 |
| Cost of funding earning assets | 0.6392% | 1,093 |
| Net interest margin | 3.2909% | 4,262 |
| Noninterest income to average assets | 0.5324% | 2,992 |
| Noninterest expense to average assets | 2.8666% | 2,786 |
| Loan and lease loss provision to assets | 0.0805% | 2,527 |
| Net operating income to assets | 0.4713% | 4,793 |
| Return on assets (ROA) | 0.5983% | 4,398 |
| Pretax return on assets | 0.8350% | 4,177 |
| Return on Equity (ROE) | 6.6785% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.6785% | 1,772 |
| Net charge-offs to loans | 0.0490% | 2,501 |
| Credit loss provision to net charge-offs | 221.3333% | 1,213 |
| Earnings coverage of net charge-offs (x) | 20.3200% | 1,731 |
| Efficiency ratio | 79.5051% | 1,559 |
| Assets per employee ($millions) | 5.2128% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 4,132 |
| Loan loss allowance to noncurrent loans | 84.1906% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 2,252 |
| Noncurrent loans to loans | 1.2658% | 1,803 |
| Net loans and leases to total assets | 74.3313% | 1,770 |
| Net loans and leases to deposits | 91.1433% | 1,615 |
| Net loans and leases to core deposits | 110.8552% | 885 |
| Total domestic deposits to total assets | 81.5544% | 4,126 |
| Equity capital to assets | 9.1138% | 5,149 |
| Core capital (leverage) ratio | 9.0040% | 4,824 |
| Tier 1 risk-based capital ratio | 11.6412% | 5,063 |
| Total risk-based capital ratio | 12.9214% | 4,947 |
| Memoranda: | ||
| Average total assets | $412,476,000 | 1,639 |
| Average earning assets | $385,185,670 | 1,622 |
| Average equity | $36,954,670 | 1,997 |
| Average total loans | $306,017,670 | 1,501 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 3,471 |
| Cost of funding earning assets | 0.6416% | 1,095 |
| Net interest margin | 3.2863% | 4,276 |
| Noninterest income to average assets | 0.5100% | 3,053 |
| Noninterest expense to average assets | 2.8318% | 2,948 |
| Loan and lease loss provision to assets | 0.0809% | 2,337 |
| Net operating income to assets | 0.4692% | 4,740 |
| Return on assets (ROA) | 0.6416% | 4,135 |
| Pretax return on assets | 0.9020% | 3,838 |
| Return on Equity (ROE) | 7.2251% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.2251% | 1,783 |
| Net charge-offs to loans | 0.0423% | 2,153 |
| Credit loss provision to net charge-offs | 259.3750% | 929 |
| Earnings coverage of net charge-offs (x) | 23.7188% | 1,357 |
| Efficiency ratio | 79.2793% | 1,702 |
| Assets per employee ($millions) | 5.3358% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 4,258 |
| Loan loss allowance to noncurrent loans | 95.0720% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8446% | 2,572 |
| Noncurrent loans to loans | 1.1205% | 2,154 |
| Net loans and leases to total assets | 74.5692% | 1,634 |
| Net loans and leases to deposits | 92.1486% | 1,330 |
| Net loans and leases to core deposits | 111.7229% | 763 |
| Total domestic deposits to total assets | 80.9228% | 4,514 |
| Equity capital to assets | 9.0114% | 5,162 |
| Core capital (leverage) ratio | 8.9566% | 4,914 |
| Tier 1 risk-based capital ratio | 11.7360% | 5,091 |
| Total risk-based capital ratio | 13.0048% | 4,983 |
| Memoranda: | ||
| Average total assets | $410,201,000 | 1,646 |
| Average earning assets | $382,189,000 | 1,638 |
| Average equity | $36,428,500 | 2,018 |
| Average total loans | $302,366,500 | 1,510 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 3,459 |
| Cost of funding earning assets | 0.5858% | 1,463 |
| Net interest margin | 3.3768% | 4,005 |
| Noninterest income to average assets | 0.5402% | 3,073 |
| Noninterest expense to average assets | 2.9115% | 2,819 |
| Loan and lease loss provision to assets | 0.0852% | 2,589 |
| Net operating income to assets | 0.4842% | 4,749 |
| Return on assets (ROA) | 0.5084% | 4,749 |
| Pretax return on assets | 0.7091% | 4,511 |
| Return on Equity (ROE) | 5.5770% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.5770% | 2,032 |
| Net charge-offs to loans | 0.1647% | 1,722 |
| Credit loss provision to net charge-offs | 71.7063% | 3,093 |
| Earnings coverage of net charge-offs (x) | 6.4017% | 3,234 |
| Efficiency ratio | 79.2858% | 1,780 |
| Assets per employee ($millions) | 5.2506% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 4,044 |
| Loan loss allowance to noncurrent loans | 87.7364% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 2,403 |
| Noncurrent loans to loans | 1.2547% | 1,877 |
| Net loans and leases to total assets | 71.2530% | 2,162 |
| Net loans and leases to deposits | 87.6505% | 1,924 |
| Net loans and leases to core deposits | 106.8028% | 1,060 |
| Total domestic deposits to total assets | 81.2922% | 4,403 |
| Equity capital to assets | 8.7494% | 5,351 |
| Core capital (leverage) ratio | 9.0973% | 4,759 |
| Tier 1 risk-based capital ratio | 11.9325% | 4,998 |
| Total risk-based capital ratio | 13.2060% | 4,881 |
| Memoranda: | ||
| Average total assets | $389,666,600 | 1,687 |
| Average earning assets | $361,412,200 | 1,672 |
| Average equity | $35,520,800 | 2,007 |
| Average total loans | $281,155,800 | 1,550 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,496 |
| Cost of funding earning assets | 0.5827% | 1,521 |
| Net interest margin | 3.3767% | 4,044 |
| Noninterest income to average assets | 0.5282% | 3,181 |
| Noninterest expense to average assets | 2.9470% | 2,681 |
| Loan and lease loss provision to assets | 0.0863% | 2,436 |
| Net operating income to assets | 0.4526% | 4,962 |
| Return on assets (ROA) | 0.5005% | 4,875 |
| Pretax return on assets | 0.6907% | 4,709 |
| Return on Equity (ROE) | 5.4321% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.4321% | 2,621 |
| Net charge-offs to loans | 0.2122% | 1,226 |
| Credit loss provision to net charge-offs | 56.3348% | 2,957 |
| Earnings coverage of net charge-offs (x) | 4.6380% | 3,324 |
| Efficiency ratio | 80.5742% | 1,570 |
| Assets per employee ($millions) | 5.0900% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 4,129 |
| Loan loss allowance to noncurrent loans | 72.6402% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 2,062 |
| Noncurrent loans to loans | 1.5385% | 1,624 |
| Net loans and leases to total assets | 71.9248% | 2,072 |
| Net loans and leases to deposits | 88.3031% | 1,859 |
| Net loans and leases to core deposits | 106.1076% | 1,091 |
| Total domestic deposits to total assets | 81.4522% | 4,350 |
| Equity capital to assets | 9.1733% | 5,145 |
| Core capital (leverage) ratio | 9.1092% | 4,862 |
| Tier 1 risk-based capital ratio | 11.9280% | 5,122 |
| Total risk-based capital ratio | 13.1614% | 5,056 |
| Memoranda: | ||
| Average total assets | $384,696,750 | 1,722 |
| Average earning assets | $356,516,750 | 1,706 |
| Average equity | $35,442,750 | 2,020 |
| Average total loans | $277,679,250 | 1,578 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 3,468 |
| Cost of funding earning assets | 0.5822% | 1,546 |
| Net interest margin | 3.3739% | 3,993 |
| Noninterest income to average assets | 0.5425% | 3,091 |
| Noninterest expense to average assets | 2.9993% | 2,556 |
| Loan and lease loss provision to assets | 0.0868% | 2,371 |
| Net operating income to assets | 0.4197% | 5,082 |
| Return on assets (ROA) | 0.4583% | 5,041 |
| Pretax return on assets | 0.6320% | 4,888 |
| Return on Equity (ROE) | 4.9670% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.9670% | 2,881 |
| Net charge-offs to loans | 0.3016% | 878 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 3.0675% | 3,246 |
| Efficiency ratio | 81.8299% | 1,514 |
| Assets per employee ($millions) | 5.0535% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 4,147 |
| Loan loss allowance to noncurrent loans | 80.3182% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2513% | 2,009 |
| Noncurrent loans to loans | 1.4163% | 1,896 |
| Net loans and leases to total assets | 70.8277% | 2,190 |
| Net loans and leases to deposits | 86.5632% | 1,992 |
| Net loans and leases to core deposits | 102.2013% | 1,316 |
| Total domestic deposits to total assets | 81.8219% | 4,352 |
| Equity capital to assets | 9.1609% | 5,069 |
| Core capital (leverage) ratio | 9.1345% | 4,768 |
| Tier 1 risk-based capital ratio | 12.0502% | 5,108 |
| Total risk-based capital ratio | 13.3407% | 4,980 |
| Memoranda: | ||
| Average total assets | $382,284,670 | 1,740 |
| Average earning assets | $353,835,330 | 1,728 |
| Average equity | $35,272,670 | 2,035 |
| Average total loans | $275,211,330 | 1,598 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,443 |
| Cost of funding earning assets | 0.5914% | 1,494 |
| Net interest margin | 3.3524% | 4,014 |
| Noninterest income to average assets | 0.5401% | 3,023 |
| Noninterest expense to average assets | 2.9922% | 2,611 |
| Loan and lease loss provision to assets | 0.0870% | 2,242 |
| Net operating income to assets | 0.4090% | 5,039 |
| Return on assets (ROA) | 0.4457% | 5,009 |
| Pretax return on assets | 0.6146% | 4,878 |
| Return on Equity (ROE) | 4.8135% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.8135% | 3,170 |
| Net charge-offs to loans | 0.0698% | 2,032 |
| Credit loss provision to net charge-offs | 172.9167% | 1,152 |
| Earnings coverage of net charge-offs (x) | 12.9375% | 1,757 |
| Efficiency ratio | 82.1244% | 1,602 |
| Assets per employee ($millions) | 5.0501% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 3,746 |
| Loan loss allowance to noncurrent loans | 74.2497% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.4580% | 1,808 |
| Noncurrent loans to loans | 1.6686% | 1,660 |
| Net loans and leases to total assets | 70.9068% | 1,998 |
| Net loans and leases to deposits | 85.8892% | 1,844 |
| Net loans and leases to core deposits | 102.1941% | 1,167 |
| Total domestic deposits to total assets | 82.5561% | 4,322 |
| Equity capital to assets | 9.2791% | 4,995 |
| Core capital (leverage) ratio | 8.9933% | 4,964 |
| Tier 1 risk-based capital ratio | 12.0434% | 5,207 |
| Total risk-based capital ratio | 13.4805% | 5,000 |
| Memoranda: | ||
| Average total assets | $381,394,000 | 1,748 |
| Average earning assets | $353,061,500 | 1,738 |
| Average equity | $35,317,000 | 2,048 |
| Average total loans | $275,239,500 | 1,590 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 3,394 |
| Cost of funding earning assets | 0.6136% | 1,647 |
| Net interest margin | 3.4675% | 3,907 |
| Noninterest income to average assets | 0.5421% | 3,220 |
| Noninterest expense to average assets | 2.9599% | 2,969 |
| Loan and lease loss provision to assets | 0.2422% | 968 |
| Net operating income to assets | 0.3680% | 5,331 |
| Return on assets (ROA) | 0.4447% | 5,131 |
| Pretax return on assets | 0.6402% | 4,809 |
| Return on Equity (ROE) | 4.7572% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.7572% | 2,794 |
| Net charge-offs to loans | 0.3202% | 1,381 |
| Credit loss provision to net charge-offs | 102.8802% | 2,328 |
| Earnings coverage of net charge-offs (x) | 3.2765% | 3,930 |
| Efficiency ratio | 79.3299% | 2,022 |
| Assets per employee ($millions) | 4.9218% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 3,835 |
| Loan loss allowance to noncurrent loans | 72.6510% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.4919% | 1,835 |
| Noncurrent loans to loans | 1.6918% | 1,731 |
| Net loans and leases to total assets | 71.6502% | 1,959 |
| Net loans and leases to deposits | 87.9807% | 1,733 |
| Net loans and leases to core deposits | 101.7305% | 1,267 |
| Total domestic deposits to total assets | 81.4386% | 4,617 |
| Equity capital to assets | 9.2406% | 5,021 |
| Core capital (leverage) ratio | 8.8733% | 5,153 |
| Tier 1 risk-based capital ratio | 12.4581% | 5,057 |
| Total risk-based capital ratio | 13.9504% | 4,830 |
| Memoranda: | ||
| Average total assets | $368,767,800 | 1,761 |
| Average earning assets | $339,145,000 | 1,763 |
| Average equity | $34,474,200 | 2,024 |
| Average total loans | $271,105,000 | 1,572 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,375 |
| Cost of funding earning assets | 0.6136% | 1,731 |
| Net interest margin | 3.4863% | 3,886 |
| Noninterest income to average assets | 0.5345% | 3,294 |
| Noninterest expense to average assets | 2.9912% | 2,828 |
| Loan and lease loss provision to assets | 0.2894% | 693 |
| Net operating income to assets | 0.3400% | 5,461 |
| Return on assets (ROA) | 0.4434% | 5,177 |
| Pretax return on assets | 0.5938% | 5,052 |
| Return on Equity (ROE) | 4.7294% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.7294% | 3,258 |
| Net charge-offs to loans | 0.3445% | 1,166 |
| Credit loss provision to net charge-offs | 113.8968% | 1,994 |
| Earnings coverage of net charge-offs (x) | 2.9327% | 3,789 |
| Efficiency ratio | 80.0546% | 1,908 |
| Assets per employee ($millions) | 4.7132% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 3,850 |
| Loan loss allowance to noncurrent loans | 69.7736% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6772% | 1,806 |
| Noncurrent loans to loans | 1.8130% | 1,777 |
| Net loans and leases to total assets | 72.3416% | 1,791 |
| Net loans and leases to deposits | 88.8673% | 1,571 |
| Net loans and leases to core deposits | 102.5407% | 1,185 |
| Total domestic deposits to total assets | 81.4040% | 4,696 |
| Equity capital to assets | 9.5077% | 4,786 |
| Core capital (leverage) ratio | 8.6803% | 5,464 |
| Tier 1 risk-based capital ratio | 12.1672% | 5,391 |
| Total risk-based capital ratio | 13.6396% | 5,168 |
| Memoranda: | ||
| Average total assets | $366,214,750 | 1,789 |
| Average earning assets | $336,355,750 | 1,793 |
| Average equity | $34,337,750 | 2,035 |
| Average total loans | $270,151,500 | 1,585 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 3,460 |
| Cost of funding earning assets | 0.6108% | 1,803 |
| Net interest margin | 3.4605% | 3,937 |
| Noninterest income to average assets | 0.4822% | 3,613 |
| Noninterest expense to average assets | 3.0233% | 2,752 |
| Loan and lease loss provision to assets | 0.3663% | 473 |
| Net operating income to assets | 0.2010% | 5,835 |
| Return on assets (ROA) | 0.3625% | 5,433 |
| Pretax return on assets | 0.4816% | 5,327 |
| Return on Equity (ROE) | 3.8843% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.8843% | 3,712 |
| Net charge-offs to loans | 0.4338% | 945 |
| Credit loss provision to net charge-offs | 114.2123% | 1,769 |
| Earnings coverage of net charge-offs (x) | 1.9726% | 3,679 |
| Efficiency ratio | 82.6949% | 1,669 |
| Assets per employee ($millions) | 4.8640% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 4,012 |
| Loan loss allowance to noncurrent loans | 72.8796% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.6642% | 1,953 |
| Noncurrent loans to loans | 1.7466% | 1,976 |
| Net loans and leases to total assets | 72.1116% | 1,727 |
| Net loans and leases to deposits | 89.1261% | 1,462 |
| Net loans and leases to core deposits | 100.5921% | 1,233 |
| Total domestic deposits to total assets | 80.9096% | 5,010 |
| Equity capital to assets | 9.4716% | 4,774 |
| Core capital (leverage) ratio | 8.6516% | 5,467 |
| Tier 1 risk-based capital ratio | 11.8974% | 5,595 |
| Total risk-based capital ratio | 13.3857% | 5,378 |
| Memoranda: | ||
| Average total assets | $364,173,330 | 1,798 |
| Average earning assets | $333,996,330 | 1,803 |
| Average equity | $33,983,330 | 2,042 |
| Average total loans | $269,266,330 | 1,584 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 3,377 |
| Cost of funding earning assets | 0.6143% | 1,861 |
| Net interest margin | 3.4604% | 3,856 |
| Noninterest income to average assets | 0.4283% | 3,964 |
| Noninterest expense to average assets | 3.0357% | 2,746 |
| Loan and lease loss provision to assets | 0.1749% | 1,383 |
| Net operating income to assets | 0.3008% | 5,492 |
| Return on assets (ROA) | 0.2999% | 5,537 |
| Pretax return on assets | 0.3896% | 5,487 |
| Return on Equity (ROE) | 3.2389% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.2389% | 4,177 |
| Net charge-offs to loans | 0.5058% | 728 |
| Credit loss provision to net charge-offs | 46.4706% | 2,238 |
| Earnings coverage of net charge-offs (x) | 1.5029% | 3,081 |
| Efficiency ratio | 84.2963% | 1,636 |
| Assets per employee ($millions) | 4.6080% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 4,744 |
| Loan loss allowance to noncurrent loans | 44.5819% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 2.2792% | 1,440 |
| Noncurrent loans to loans | 2.6417% | 1,292 |
| Net loans and leases to total assets | 73.1143% | 1,414 |
| Net loans and leases to deposits | 91.8227% | 970 |
| Net loans and leases to core deposits | 101.2758% | 1,016 |
| Total domestic deposits to total assets | 79.6255% | 5,563 |
| Equity capital to assets | 9.3980% | 4,632 |
| Core capital (leverage) ratio | 8.6879% | 5,401 |
| Tier 1 risk-based capital ratio | 11.8391% | 5,734 |
| Total risk-based capital ratio | 13.3146% | 5,534 |
| Memoranda: | ||
| Average total assets | $361,429,000 | 1,819 |
| Average earning assets | $331,408,500 | 1,819 |
| Average equity | $33,468,500 | 2,063 |
| Average total loans | $268,896,500 | 1,585 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 3,233 |
| Cost of funding earning assets | 0.6952% | 1,852 |
| Net interest margin | 3.5344% | 3,743 |
| Noninterest income to average assets | 0.6397% | 2,867 |
| Noninterest expense to average assets | 3.0587% | 2,871 |
| Loan and lease loss provision to assets | 0.2138% | 1,713 |
| Net operating income to assets | 0.4478% | 4,963 |
| Return on assets (ROA) | 0.5603% | 4,575 |
| Pretax return on assets | 0.7316% | 4,410 |
| Return on Equity (ROE) | 6.1169% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.1169% | 1,902 |
| Net charge-offs to loans | 0.4136% | 1,619 |
| Credit loss provision to net charge-offs | 69.6106% | 3,318 |
| Earnings coverage of net charge-offs (x) | 2.6021% | 4,133 |
| Efficiency ratio | 79.2832% | 2,272 |
| Assets per employee ($millions) | 4.4299% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 4,392 |
| Loan loss allowance to noncurrent loans | 45.4041% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 2.4764% | 1,389 |
| Noncurrent loans to loans | 2.7516% | 1,300 |
| Net loans and leases to total assets | 73.8819% | 1,366 |
| Net loans and leases to deposits | 91.1669% | 1,143 |
| Net loans and leases to core deposits | 100.6125% | 1,109 |
| Total domestic deposits to total assets | 81.0403% | 5,163 |
| Equity capital to assets | 9.1201% | 4,901 |
| Core capital (leverage) ratio | 8.7477% | 5,359 |
| Tier 1 risk-based capital ratio | 11.2001% | 6,076 |
| Total risk-based capital ratio | 12.6506% | 5,899 |
| Memoranda: | ||
| Average total assets | $342,827,000 | 1,881 |
| Average earning assets | $312,161,600 | 1,899 |
| Average equity | $31,405,000 | 2,161 |
| Average total loans | $254,570,600 | 1,633 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 3,288 |
| Cost of funding earning assets | 0.7119% | 1,871 |
| Net interest margin | 3.5142% | 3,818 |
| Noninterest income to average assets | 0.6524% | 2,874 |
| Noninterest expense to average assets | 3.0197% | 2,923 |
| Loan and lease loss provision to assets | 0.1869% | 1,953 |
| Net operating income to assets | 0.4620% | 4,965 |
| Return on assets (ROA) | 0.4742% | 5,066 |
| Pretax return on assets | 0.6579% | 4,829 |
| Return on Equity (ROE) | 5.1702% | 4,642 |
| Retained earnings to average equity (ytd only) | 5.1702% | 2,958 |
| Net charge-offs to loans | 0.3828% | 1,675 |
| Credit loss provision to net charge-offs | 65.8807% | 3,160 |
| Earnings coverage of net charge-offs (x) | 2.9182% | 3,862 |
| Efficiency ratio | 78.4823% | 2,342 |
| Assets per employee ($millions) | 4.2468% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 4,244 |
| Loan loss allowance to noncurrent loans | 40.3674% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 2.4900% | 1,547 |
| Noncurrent loans to loans | 3.2938% | 1,181 |
| Net loans and leases to total assets | 73.0506% | 1,441 |
| Net loans and leases to deposits | 89.4362% | 1,227 |
| Net loans and leases to core deposits | 96.4310% | 1,354 |
| Total domestic deposits to total assets | 81.6790% | 5,036 |
| Equity capital to assets | 8.9382% | 5,257 |
| Core capital (leverage) ratio | 8.8248% | 5,373 |
| Tier 1 risk-based capital ratio | 11.6723% | 5,966 |
| Total risk-based capital ratio | 13.1685% | 5,771 |
| Memoranda: | ||
| Average total assets | $338,827,750 | 1,910 |
| Average earning assets | $308,079,750 | 1,932 |
| Average equity | $31,075,000 | 2,208 |
| Average total loans | $251,098,250 | 1,658 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 3,248 |
| Cost of funding earning assets | 0.7384% | 1,785 |
| Net interest margin | 3.4894% | 3,821 |
| Noninterest income to average assets | 0.6369% | 2,978 |
| Noninterest expense to average assets | 3.0528% | 2,824 |
| Loan and lease loss provision to assets | 0.1889% | 2,004 |
| Net operating income to assets | 0.4100% | 5,180 |
| Return on assets (ROA) | 0.4331% | 5,248 |
| Pretax return on assets | 0.5976% | 5,020 |
| Return on Equity (ROE) | 4.6816% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.6816% | 3,276 |
| Net charge-offs to loans | 0.3319% | 1,858 |
| Credit loss provision to net charge-offs | 76.7554% | 2,691 |
| Earnings coverage of net charge-offs (x) | 3.0654% | 3,506 |
| Efficiency ratio | 80.1878% | 2,125 |
| Assets per employee ($millions) | 4.1077% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 3,923 |
| Loan loss allowance to noncurrent loans | 47.6558% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.3103% | 1,871 |
| Noncurrent loans to loans | 2.9903% | 1,490 |
| Net loans and leases to total assets | 73.4791% | 1,327 |
| Net loans and leases to deposits | 89.4866% | 1,193 |
| Net loans and leases to core deposits | 94.1298% | 1,507 |
| Total domestic deposits to total assets | 82.1119% | 5,023 |
| Equity capital to assets | 9.1672% | 5,032 |
| Core capital (leverage) ratio | 8.9090% | 5,131 |
| Tier 1 risk-based capital ratio | 11.6534% | 6,030 |
| Total risk-based capital ratio | 13.1438% | 5,808 |
| Memoranda: | ||
| Average total assets | $335,692,330 | 1,932 |
| Average earning assets | $304,979,670 | 1,958 |
| Average equity | $31,058,000 | 2,215 |
| Average total loans | $248,859,330 | 1,665 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 3,005 |
| Cost of funding earning assets | 0.7472% | 1,870 |
| Net interest margin | 3.5284% | 3,580 |
| Noninterest income to average assets | 0.6362% | 2,954 |
| Noninterest expense to average assets | 3.0699% | 2,771 |
| Loan and lease loss provision to assets | 0.1886% | 1,950 |
| Net operating income to assets | 0.4240% | 5,033 |
| Return on assets (ROA) | 0.4440% | 5,100 |
| Pretax return on assets | 0.6123% | 4,904 |
| Return on Equity (ROE) | 4.7772% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.7772% | 3,373 |
| Net charge-offs to loans | 0.5845% | 1,039 |
| Credit loss provision to net charge-offs | 43.6464% | 2,703 |
| Earnings coverage of net charge-offs (x) | 1.7901% | 3,241 |
| Efficiency ratio | 79.8758% | 2,351 |
| Assets per employee ($millions) | 4.3277% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 4,111 |
| Loan loss allowance to noncurrent loans | 40.1249% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 2.6603% | 1,707 |
| Noncurrent loans to loans | 3.5487% | 1,346 |
| Net loans and leases to total assets | 72.0890% | 1,335 |
| Net loans and leases to deposits | 88.0531% | 1,145 |
| Net loans and leases to core deposits | 92.2391% | 1,484 |
| Total domestic deposits to total assets | 81.8699% | 5,242 |
| Equity capital to assets | 9.4226% | 4,971 |
| Core capital (leverage) ratio | 8.8118% | 5,167 |
| Tier 1 risk-based capital ratio | 11.7865% | 6,037 |
| Total risk-based capital ratio | 13.2965% | 5,841 |
| Memoranda: | ||
| Average total assets | $335,122,000 | 1,957 |
| Average earning assets | $304,618,000 | 1,978 |
| Average equity | $31,148,000 | 2,230 |
| Average total loans | $247,749,000 | 1,679 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 3,326 |
| Cost of funding earning assets | 0.8757% | 2,092 |
| Net interest margin | 3.6415% | 3,913 |
| Noninterest income to average assets | 0.8236% | 2,163 |
| Noninterest expense to average assets | 3.1193% | 2,870 |
| Loan and lease loss provision to assets | 0.2303% | 2,831 |
| Net operating income to assets | 0.5391% | 4,520 |
| Return on assets (ROA) | 0.5292% | 4,832 |
| Pretax return on assets | 0.7482% | 4,480 |
| Return on Equity (ROE) | 5.9688% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.9688% | 2,097 |
| Net charge-offs to loans | 0.2623% | 3,368 |
| Credit loss provision to net charge-offs | 118.8088% | 2,417 |
| Earnings coverage of net charge-offs (x) | 5.1207% | 3,143 |
| Efficiency ratio | 75.8626% | 2,772 |
| Assets per employee ($millions) | 4.2660% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 3,902 |
| Loan loss allowance to noncurrent loans | 39.6418% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 2.8726% | 1,661 |
| Noncurrent loans to loans | 3.6806% | 1,317 |
| Net loans and leases to total assets | 73.6265% | 1,244 |
| Net loans and leases to deposits | 90.5082% | 1,029 |
| Net loans and leases to core deposits | 95.1780% | 1,374 |
| Total domestic deposits to total assets | 81.3479% | 5,292 |
| Equity capital to assets | 9.1679% | 5,313 |
| Core capital (leverage) ratio | 8.6913% | 5,337 |
| Tier 1 risk-based capital ratio | 11.2977% | 6,215 |
| Total risk-based capital ratio | 12.7411% | 6,076 |
| Memoranda: | ||
| Average total assets | $329,172,000 | 1,959 |
| Average earning assets | $297,242,200 | 1,990 |
| Average equity | $29,185,000 | 2,303 |
| Average total loans | $243,222,200 | 1,699 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 3,412 |
| Cost of funding earning assets | 0.8989% | 2,178 |
| Net interest margin | 3.6553% | 3,985 |
| Noninterest income to average assets | 0.8349% | 2,096 |
| Noninterest expense to average assets | 3.1098% | 2,858 |
| Loan and lease loss provision to assets | 0.2241% | 2,815 |
| Net operating income to assets | 0.5584% | 4,581 |
| Return on assets (ROA) | 0.5399% | 4,928 |
| Pretax return on assets | 0.7701% | 4,597 |
| Return on Equity (ROE) | 6.1433% | 4,267 |
| Retained earnings to average equity (ytd only) | 6.1433% | 2,607 |
| Net charge-offs to loans | 0.2832% | 3,027 |
| Credit loss provision to net charge-offs | 107.4219% | 2,737 |
| Earnings coverage of net charge-offs (x) | 4.8926% | 3,167 |
| Efficiency ratio | 75.2885% | 2,780 |
| Assets per employee ($millions) | 4.2068% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 4,183 |
| Loan loss allowance to noncurrent loans | 41.4398% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 2.9963% | 1,744 |
| Noncurrent loans to loans | 3.4818% | 1,555 |
| Net loans and leases to total assets | 73.8271% | 1,271 |
| Net loans and leases to deposits | 91.1214% | 1,040 |
| Net loans and leases to core deposits | 95.8879% | 1,418 |
| Total domestic deposits to total assets | 81.0206% | 5,350 |
| Equity capital to assets | 8.9923% | 5,832 |
| Core capital (leverage) ratio | 8.4692% | 5,795 |
| Tier 1 risk-based capital ratio | 10.8171% | 6,559 |
| Total risk-based capital ratio | 12.2828% | 6,442 |
| Memoranda: | ||
| Average total assets | $327,211,750 | 1,983 |
| Average earning assets | $295,016,250 | 2,022 |
| Average equity | $28,757,000 | 2,353 |
| Average total loans | $241,076,500 | 1,722 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 3,319 |
| Cost of funding earning assets | 0.9214% | 2,248 |
| Net interest margin | 3.6878% | 3,882 |
| Noninterest income to average assets | 0.9192% | 1,715 |
| Noninterest expense to average assets | 3.1699% | 2,688 |
| Loan and lease loss provision to assets | 0.2249% | 2,831 |
| Net operating income to assets | 0.5853% | 4,428 |
| Return on assets (ROA) | 0.5573% | 4,832 |
| Pretax return on assets | 0.8086% | 4,449 |
| Return on Equity (ROE) | 6.3916% | 4,108 |
| Retained earnings to average equity (ytd only) | 6.3916% | 2,449 |
| Net charge-offs to loans | 0.3389% | 2,667 |
| Credit loss provision to net charge-offs | 90.5941% | 3,032 |
| Earnings coverage of net charge-offs (x) | 4.3267% | 3,119 |
| Efficiency ratio | 74.6923% | 2,950 |
| Assets per employee ($millions) | 4.0814% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 4,127 |
| Loan loss allowance to noncurrent loans | 40.4929% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.9166% | 1,895 |
| Noncurrent loans to loans | 3.6489% | 1,566 |
| Net loans and leases to total assets | 72.7136% | 1,443 |
| Net loans and leases to deposits | 88.2406% | 1,352 |
| Net loans and leases to core deposits | 93.4302% | 1,656 |
| Total domestic deposits to total assets | 82.4038% | 4,981 |
| Equity capital to assets | 9.0209% | 5,676 |
| Core capital (leverage) ratio | 8.4956% | 5,652 |
| Tier 1 risk-based capital ratio | 11.2014% | 6,402 |
| Total risk-based capital ratio | 12.6437% | 6,258 |
| Memoranda: | ||
| Average total assets | $325,502,330 | 1,989 |
| Average earning assets | $293,456,000 | 2,023 |
| Average equity | $28,381,000 | 2,362 |
| Average total loans | $238,452,330 | 1,729 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 3,429 |
| Cost of funding earning assets | 0.9510% | 2,302 |
| Net interest margin | 3.6657% | 3,981 |
| Noninterest income to average assets | 1.0629% | 1,275 |
| Noninterest expense to average assets | 3.2155% | 2,551 |
| Loan and lease loss provision to assets | 0.1932% | 3,015 |
| Net operating income to assets | 0.6576% | 4,091 |
| Return on assets (ROA) | 0.5969% | 4,570 |
| Pretax return on assets | 0.8708% | 4,146 |
| Return on Equity (ROE) | 6.9643% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.9643% | 2,452 |
| Net charge-offs to loans | 0.4474% | 1,971 |
| Credit loss provision to net charge-offs | 59.1760% | 3,133 |
| Earnings coverage of net charge-offs (x) | 3.5281% | 2,811 |
| Efficiency ratio | 73.6208% | 3,150 |
| Assets per employee ($millions) | 4.1636% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 4,362 |
| Loan loss allowance to noncurrent loans | 47.4126% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.3420% | 2,544 |
| Noncurrent loans to loans | 3.0626% | 2,102 |
| Net loans and leases to total assets | 71.9915% | 1,400 |
| Net loans and leases to deposits | 87.0051% | 1,290 |
| Net loans and leases to core deposits | 92.3210% | 1,621 |
| Total domestic deposits to total assets | 82.7440% | 5,029 |
| Equity capital to assets | 8.7677% | 5,790 |
| Core capital (leverage) ratio | 8.2766% | 5,909 |
| Tier 1 risk-based capital ratio | 11.1848% | 6,455 |
| Total risk-based capital ratio | 12.6280% | 6,325 |
| Memoranda: | ||
| Average total assets | $327,039,500 | 1,991 |
| Average earning assets | $294,844,000 | 2,015 |
| Average equity | $28,028,500 | 2,385 |
| Average total loans | $238,696,000 | 1,730 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 4,661 |
| Cost of funding earning assets | 1.0821% | 2,794 |
| Net interest margin | 3.5227% | 5,057 |
| Noninterest income to average assets | 0.6028% | 3,148 |
| Noninterest expense to average assets | 3.2135% | 2,816 |
| Loan and lease loss provision to assets | 0.5378% | 1,953 |
| Net operating income to assets | 0.0882% | 5,891 |
| Return on assets (ROA) | 0.1114% | 5,965 |
| Pretax return on assets | 0.0331% | 6,068 |
| Return on Equity (ROE) | 1.3498% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.3498% | 5,218 |
| Net charge-offs to loans | 0.2703% | 4,085 |
| Credit loss provision to net charge-offs | 282.5949% | 839 |
| Earnings coverage of net charge-offs (x) | 2.8782% | 3,768 |
| Efficiency ratio | 85.4375% | 1,627 |
| Assets per employee ($millions) | 4.1686% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 4,110 |
| Loan loss allowance to noncurrent loans | 46.7201% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 2.8028% | 2,154 |
| Noncurrent loans to loans | 3.1677% | 2,046 |
| Net loans and leases to total assets | 71.8432% | 1,673 |
| Net loans and leases to deposits | 88.0473% | 1,375 |
| Net loans and leases to core deposits | 94.0555% | 1,692 |
| Total domestic deposits to total assets | 81.5962% | 5,267 |
| Equity capital to assets | 8.3758% | 6,276 |
| Core capital (leverage) ratio | 8.0712% | 6,176 |
| Tier 1 risk-based capital ratio | 10.8035% | 6,555 |
| Total risk-based capital ratio | 12.1752% | 6,472 |
| Memoranda: | ||
| Average total assets | $332,102,400 | 1,946 |
| Average earning assets | $297,753,400 | 1,969 |
| Average equity | $27,410,800 | 2,364 |
| Average total loans | $233,816,600 | 1,788 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 4,756 |
| Cost of funding earning assets | 1.1072% | 2,932 |
| Net interest margin | 3.5213% | 5,099 |
| Noninterest income to average assets | 0.5945% | 3,205 |
| Noninterest expense to average assets | 3.2083% | 2,804 |
| Loan and lease loss provision to assets | 0.5316% | 1,857 |
| Net operating income to assets | 0.0765% | 6,016 |
| Return on assets (ROA) | 0.1178% | 6,035 |
| Pretax return on assets | 0.0493% | 6,160 |
| Return on Equity (ROE) | 1.4323% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.4323% | 5,435 |
| Net charge-offs to loans | 0.2348% | 3,957 |
| Credit loss provision to net charge-offs | 324.4499% | 860 |
| Earnings coverage of net charge-offs (x) | 3.2934% | 3,497 |
| Efficiency ratio | 85.6013% | 1,575 |
| Assets per employee ($millions) | 4.0455% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 4,496 |
| Loan loss allowance to noncurrent loans | 39.8990% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 3.1829% | 2,008 |
| Noncurrent loans to loans | 3.5438% | 1,938 |
| Net loans and leases to total assets | 70.5994% | 1,964 |
| Net loans and leases to deposits | 86.4452% | 1,627 |
| Net loans and leases to core deposits | 92.5813% | 1,927 |
| Total domestic deposits to total assets | 81.6695% | 5,207 |
| Equity capital to assets | 8.5088% | 6,284 |
| Core capital (leverage) ratio | 7.9954% | 6,405 |
| Tier 1 risk-based capital ratio | 10.8478% | 6,635 |
| Total risk-based capital ratio | 12.1444% | 6,589 |
| Memoranda: | ||
| Average total assets | $332,798,750 | 1,955 |
| Average earning assets | $298,030,250 | 1,971 |
| Average equity | $27,367,750 | 2,370 |
| Average total loans | $232,234,250 | 1,810 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 4,897 |
| Cost of funding earning assets | 1.1285% | 3,042 |
| Net interest margin | 3.4887% | 5,211 |
| Noninterest income to average assets | 0.6529% | 2,813 |
| Noninterest expense to average assets | 3.2944% | 2,589 |
| Loan and lease loss provision to assets | 0.3288% | 2,813 |
| Net operating income to assets | 0.1279% | 5,940 |
| Return on assets (ROA) | 0.2158% | 5,796 |
| Pretax return on assets | 0.2487% | 5,810 |
| Return on Equity (ROE) | 2.6548% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.6548% | 4,604 |
| Net charge-offs to loans | 0.0795% | 4,847 |
| Credit loss provision to net charge-offs | 597.8261% | 525 |
| Earnings coverage of net charge-offs (x) | 8.6630% | 2,022 |
| Efficiency ratio | 87.3632% | 1,473 |
| Assets per employee ($millions) | 4.0751% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 5,444 |
| Loan loss allowance to noncurrent loans | 37.7393% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 2.9333% | 2,287 |
| Noncurrent loans to loans | 3.2439% | 2,200 |
| Net loans and leases to total assets | 69.0066% | 2,413 |
| Net loans and leases to deposits | 84.8974% | 1,965 |
| Net loans and leases to core deposits | 91.0985% | 2,238 |
| Total domestic deposits to total assets | 81.2824% | 5,430 |
| Equity capital to assets | 8.3073% | 6,415 |
| Core capital (leverage) ratio | 7.9627% | 6,344 |
| Tier 1 risk-based capital ratio | 10.9322% | 6,583 |
| Total risk-based capital ratio | 12.2824% | 6,486 |
| Memoranda: | ||
| Average total assets | $334,503,670 | 1,951 |
| Average earning assets | $298,969,330 | 1,980 |
| Average equity | $27,196,330 | 2,370 |
| Average total loans | $231,425,330 | 1,839 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 4,997 |
| Cost of funding earning assets | 1.1496% | 3,164 |
| Net interest margin | 3.4394% | 5,264 |
| Noninterest income to average assets | 0.6191% | 3,041 |
| Noninterest expense to average assets | 3.3047% | 2,546 |
| Loan and lease loss provision to assets | 0.1793% | 3,824 |
| Net operating income to assets | 0.1791% | 5,851 |
| Return on assets (ROA) | 0.2295% | 5,748 |
| Pretax return on assets | 0.2653% | 5,761 |
| Return on Equity (ROE) | 2.8535% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.8535% | 4,457 |
| Net charge-offs to loans | 0.0174% | 4,838 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 32.3000% | 793 |
| Efficiency ratio | 89.5402% | 1,373 |
| Assets per employee ($millions) | 3.9628% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 6,060 |
| Loan loss allowance to noncurrent loans | 45.7658% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 2.5054% | 2,728 |
| Noncurrent loans to loans | 2.3954% | 3,095 |
| Net loans and leases to total assets | 68.8408% | 2,370 |
| Net loans and leases to deposits | 84.9355% | 1,891 |
| Net loans and leases to core deposits | 91.1893% | 2,215 |
| Total domestic deposits to total assets | 81.0507% | 5,638 |
| Equity capital to assets | 8.1751% | 6,312 |
| Core capital (leverage) ratio | 7.8960% | 6,369 |
| Tier 1 risk-based capital ratio | 10.9396% | 6,549 |
| Total risk-based capital ratio | 12.1985% | 6,520 |
| Memoranda: | ||
| Average total assets | $334,674,500 | 1,960 |
| Average earning assets | $298,888,500 | 2,000 |
| Average equity | $26,914,500 | 2,385 |
| Average total loans | $230,412,000 | 1,859 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 6,242 |
| Cost of funding earning assets | 1.4172% | 3,153 |
| Net interest margin | 3.1363% | 6,422 |
| Noninterest income to average assets | 0.8086% | 2,239 |
| Noninterest expense to average assets | 3.1136% | 3,402 |
| Loan and lease loss provision to assets | 0.8530% | 1,922 |
| Net operating income to assets | -0.1522% | 6,054 |
| Return on assets (ROA) | -0.2736% | 6,235 |
| Pretax return on assets | -0.5239% | 6,336 |
| Return on Equity (ROE) | -3.4438% | 6,319 |
| Retained earnings to average equity (ytd only) | -3.4438% | 6,151 |
| Net charge-offs to loans | 1.3019% | 1,714 |
| Credit loss provision to net charge-offs | 102.1082% | 4,435 |
| Earnings coverage of net charge-offs (x) | 0.6209% | 5,489 |
| Efficiency ratio | 85.7212% | 1,722 |
| Assets per employee ($millions) | 4.0056% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 6,163 |
| Loan loss allowance to noncurrent loans | 44.0610% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 2.6977% | 2,584 |
| Noncurrent loans to loans | 2.3773% | 3,141 |
| Net loans and leases to total assets | 67.3841% | 3,129 |
| Net loans and leases to deposits | 83.3191% | 2,565 |
| Net loans and leases to core deposits | 89.3724% | 2,845 |
| Total domestic deposits to total assets | 80.8747% | 5,562 |
| Equity capital to assets | 7.9103% | 6,570 |
| Core capital (leverage) ratio | 7.6879% | 6,552 |
| Tier 1 risk-based capital ratio | 10.8511% | 6,448 |
| Total risk-based capital ratio | 12.0052% | 6,497 |
| Memoranda: | ||
| Average total assets | $340,699,000 | 1,915 |
| Average earning assets | $306,732,600 | 1,942 |
| Average equity | $27,063,200 | 2,373 |
| Average total loans | $218,609,600 | 1,982 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 6,434 |
| Cost of funding earning assets | 1.4696% | 3,148 |
| Net interest margin | 3.0931% | 6,629 |
| Noninterest income to average assets | 0.7592% | 2,457 |
| Noninterest expense to average assets | 3.1784% | 3,004 |
| Loan and lease loss provision to assets | 1.0362% | 1,428 |
| Net operating income to assets | -0.3632% | 6,480 |
| Return on assets (ROA) | -0.5345% | 6,667 |
| Pretax return on assets | -0.9312% | 6,822 |
| Return on Equity (ROE) | -6.7217% | 6,771 |
| Retained earnings to average equity (ytd only) | -6.7217% | 6,691 |
| Net charge-offs to loans | 1.5026% | 1,334 |
| Credit loss provision to net charge-offs | 109.1208% | 3,897 |
| Earnings coverage of net charge-offs (x) | 0.3924% | 5,633 |
| Efficiency ratio | 89.5078% | 1,326 |
| Assets per employee ($millions) | 4.1289% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,721 |
| Loan loss allowance to noncurrent loans | 37.3469% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 2.7701% | 2,614 |
| Noncurrent loans to loans | 3.0737% | 2,597 |
| Net loans and leases to total assets | 64.3776% | 4,049 |
| Net loans and leases to deposits | 79.6114% | 3,521 |
| Net loans and leases to core deposits | 85.3076% | 3,757 |
| Total domestic deposits to total assets | 80.8647% | 5,425 |
| Equity capital to assets | 7.9534% | 6,837 |
| Core capital (leverage) ratio | 7.6358% | 6,733 |
| Tier 1 risk-based capital ratio | 10.9581% | 6,415 |
| Total risk-based capital ratio | 12.1459% | 6,447 |
| Memoranda: | ||
| Average total assets | $341,756,000 | 1,938 |
| Average earning assets | $308,459,250 | 1,961 |
| Average equity | $27,175,000 | 2,395 |
| Average total loans | $215,980,000 | 2,037 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 6,494 |
| Cost of funding earning assets | 1.5024% | 3,244 |
| Net interest margin | 3.0844% | 6,643 |
| Noninterest income to average assets | 0.7222% | 2,566 |
| Noninterest expense to average assets | 3.2046% | 2,883 |
| Loan and lease loss provision to assets | 1.1984% | 1,170 |
| Net operating income to assets | -0.4819% | 6,635 |
| Return on assets (ROA) | -0.9378% | 6,936 |
| Pretax return on assets | -1.6032% | 7,115 |
| Return on Equity (ROE) | -11.7946% | 7,035 |
| Retained earnings to average equity (ytd only) | -11.7946% | 6,993 |
| Net charge-offs to loans | 0.7388% | 2,385 |
| Credit loss provision to net charge-offs | 259.3156% | 1,466 |
| Earnings coverage of net charge-offs (x) | 0.6654% | 5,081 |
| Efficiency ratio | 91.2442% | 1,243 |
| Assets per employee ($millions) | 4.0568% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 3,149 |
| Loan loss allowance to noncurrent loans | 51.4519% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.6108% | 2,769 |
| Noncurrent loans to loans | 3.2671% | 2,457 |
| Net loans and leases to total assets | 61.7385% | 4,736 |
| Net loans and leases to deposits | 76.4377% | 4,249 |
| Net loans and leases to core deposits | 81.8704% | 4,435 |
| Total domestic deposits to total assets | 80.7696% | 5,484 |
| Equity capital to assets | 7.8577% | 6,880 |
| Core capital (leverage) ratio | 7.6392% | 6,689 |
| Tier 1 risk-based capital ratio | 11.1950% | 6,042 |
| Total risk-based capital ratio | 12.4621% | 6,011 |
| Memoranda: | ||
| Average total assets | $341,442,330 | 1,955 |
| Average earning assets | $308,841,330 | 1,970 |
| Average equity | $27,148,000 | 2,403 |
| Average total loans | $213,579,330 | 2,091 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 6,537 |
| Cost of funding earning assets | 1.5248% | 3,402 |
| Net interest margin | 3.0844% | 6,637 |
| Noninterest income to average assets | 0.6788% | 2,746 |
| Noninterest expense to average assets | 3.0020% | 3,675 |
| Loan and lease loss provision to assets | 0.4155% | 2,883 |
| Net operating income to assets | 0.0491% | 6,164 |
| Return on assets (ROA) | 0.0585% | 6,245 |
| Pretax return on assets | 0.0655% | 6,218 |
| Return on Equity (ROE) | 0.7317% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.7317% | 5,534 |
| Net charge-offs to loans | 0.5061% | 2,551 |
| Credit loss provision to net charge-offs | 131.4815% | 2,685 |
| Earnings coverage of net charge-offs (x) | 1.4889% | 3,840 |
| Efficiency ratio | 86.4510% | 1,743 |
| Assets per employee ($millions) | 4.1520% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 5,810 |
| Loan loss allowance to noncurrent loans | 25.7732% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 2.7894% | 2,608 |
| Noncurrent loans to loans | 4.4349% | 1,693 |
| Net loans and leases to total assets | 61.6022% | 4,835 |
| Net loans and leases to deposits | 77.5285% | 4,122 |
| Net loans and leases to core deposits | 83.7984% | 4,236 |
| Total domestic deposits to total assets | 79.4575% | 5,972 |
| Equity capital to assets | 8.0837% | 6,563 |
| Core capital (leverage) ratio | 8.4261% | 5,509 |
| Tier 1 risk-based capital ratio | 11.9892% | 5,204 |
| Total risk-based capital ratio | 13.1342% | 5,264 |
| Memoranda: | ||
| Average total assets | $341,777,000 | 2,008 |
| Average earning assets | $309,556,500 | 2,018 |
| Average equity | $27,333,500 | 2,419 |
| Average total loans | $213,376,500 | 2,145 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0258% | 6,349 |
| Cost of funding earning assets | 1.9534% | 3,194 |
| Net interest margin | 3.0724% | 6,460 |
| Noninterest income to average assets | 0.6808% | 3,083 |
| Noninterest expense to average assets | 3.1412% | 3,579 |
| Loan and lease loss provision to assets | 0.1407% | 6,232 |
| Net operating income to assets | 0.1778% | 4,970 |
| Return on assets (ROA) | 0.0103% | 5,502 |
| Pretax return on assets | -0.1009% | 5,604 |
| Return on Equity (ROE) | 0.1262% | 5,496 |
| Retained earnings to average equity (ytd only) | 0.1262% | 4,827 |
| Net charge-offs to loans | 0.2583% | 5,005 |
| Credit loss provision to net charge-offs | 83.7696% | 6,197 |
| Earnings coverage of net charge-offs (x) | 1.7958% | 4,377 |
| Efficiency ratio | 91.2373% | 1,620 |
| Assets per employee ($millions) | 3.9894% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 5,944 |
| Loan loss allowance to noncurrent loans | 29.2354% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 2.3944% | 2,907 |
| Noncurrent loans to loans | 3.7298% | 2,017 |
| Net loans and leases to total assets | 61.8656% | 5,014 |
| Net loans and leases to deposits | 78.7532% | 4,219 |
| Net loans and leases to core deposits | 96.3250% | 4,424 |
| Total domestic deposits to total assets | 78.5563% | 6,105 |
| Equity capital to assets | 7.9119% | 6,663 |
| Core capital (leverage) ratio | 8.3563% | 5,526 |
| Tier 1 risk-based capital ratio | 11.7711% | 5,132 |
| Total risk-based capital ratio | 12.8074% | 5,299 |
| Memoranda: | ||
| Average total assets | $341,080,800 | 1,995 |
| Average earning assets | $306,638,200 | 2,031 |
| Average equity | $27,736,800 | 2,399 |
| Average total loans | $221,874,400 | 2,085 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 6,155 |
| Cost of funding earning assets | 2.0325% | 3,205 |
| Net interest margin | 3.1030% | 6,311 |
| Noninterest income to average assets | 0.6730% | 3,200 |
| Noninterest expense to average assets | 3.2011% | 3,294 |
| Loan and lease loss provision to assets | 0.0215% | 7,142 |
| Net operating income to assets | 0.2521% | 4,981 |
| Return on assets (ROA) | 0.2443% | 5,094 |
| Pretax return on assets | 0.2282% | 5,235 |
| Return on Equity (ROE) | 2.9836% | 4,805 |
| Retained earnings to average equity (ytd only) | 2.9836% | 3,659 |
| Net charge-offs to loans | 0.0733% | 5,953 |
| Credit loss provision to net charge-offs | 44.7154% | 6,377 |
| Earnings coverage of net charge-offs (x) | 5.3495% | 2,850 |
| Efficiency ratio | 92.5523% | 1,494 |
| Assets per employee ($millions) | 3.9069% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,785 |
| Loan loss allowance to noncurrent loans | 37.4505% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 1.8579% | 3,573 |
| Noncurrent loans to loans | 2.9133% | 2,615 |
| Net loans and leases to total assets | 63.0777% | 5,052 |
| Net loans and leases to deposits | 82.0837% | 4,008 |
| Net loans and leases to core deposits | 101.3855% | 4,227 |
| Total domestic deposits to total assets | 76.8455% | 6,381 |
| Equity capital to assets | 8.2380% | 6,584 |
| Core capital (leverage) ratio | 8.8641% | 4,879 |
| Tier 1 risk-based capital ratio | 11.8471% | 5,109 |
| Total risk-based capital ratio | 12.7880% | 5,349 |
| Memoranda: | ||
| Average total assets | $340,578,750 | 2,015 |
| Average earning assets | $305,761,250 | 2,058 |
| Average equity | $27,884,750 | 2,399 |
| Average total loans | $223,694,500 | 2,103 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1740% | 6,170 |
| Cost of funding earning assets | 2.0921% | 3,308 |
| Net interest margin | 3.0820% | 6,303 |
| Noninterest income to average assets | 0.6637% | 3,240 |
| Noninterest expense to average assets | 3.2218% | 3,267 |
| Loan and lease loss provision to assets | 0.0323% | 6,919 |
| Net operating income to assets | 0.2112% | 5,226 |
| Return on assets (ROA) | 0.2036% | 5,330 |
| Pretax return on assets | 0.2066% | 5,451 |
| Return on Equity (ROE) | 2.4923% | 5,105 |
| Retained earnings to average equity (ytd only) | 2.4923% | 3,947 |
| Net charge-offs to loans | 0.1451% | 4,733 |
| Credit loss provision to net charge-offs | 33.5366% | 5,983 |
| Earnings coverage of net charge-offs (x) | 2.5610% | 3,786 |
| Efficiency ratio | 92.8934% | 1,575 |
| Assets per employee ($millions) | 3.8975% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 6,021 |
| Loan loss allowance to noncurrent loans | 49.7432% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 4,100 |
| Noncurrent loans to loans | 2.0711% | 3,421 |
| Net loans and leases to total assets | 65.8399% | 4,592 |
| Net loans and leases to deposits | 85.8430% | 3,575 |
| Net loans and leases to core deposits | 105.6979% | 3,870 |
| Total domestic deposits to total assets | 76.6980% | 6,399 |
| Equity capital to assets | 7.8090% | 6,966 |
| Core capital (leverage) ratio | 8.5586% | 5,338 |
| Tier 1 risk-based capital ratio | 11.2532% | 5,640 |
| Total risk-based capital ratio | 12.1506% | 5,924 |
| Memoranda: | ||
| Average total assets | $340,805,000 | 2,032 |
| Average earning assets | $310,125,330 | 2,056 |
| Average equity | $27,846,000 | 2,412 |
| Average total loans | $226,004,000 | 2,114 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2719% | 6,019 |
| Cost of funding earning assets | 2.1321% | 3,505 |
| Net interest margin | 3.1398% | 6,066 |
| Noninterest income to average assets | 0.6041% | 3,518 |
| Noninterest expense to average assets | 3.1024% | 3,370 |
| Loan and lease loss provision to assets | 0.0644% | 6,146 |
| Net operating income to assets | 0.2741% | 5,394 |
| Return on assets (ROA) | 0.2634% | 5,590 |
| Pretax return on assets | 0.2892% | 5,704 |
| Return on Equity (ROE) | 3.1546% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.1546% | 4,117 |
| Net charge-offs to loans | 0.0212% | 5,263 |
| Credit loss provision to net charge-offs | 458.3333% | 1,162 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,192 |
| Efficiency ratio | 89.4666% | 1,766 |
| Assets per employee ($millions) | 3.8525% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 5,505 |
| Loan loss allowance to noncurrent loans | 78.6032% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 4,894 |
| Noncurrent loans to loans | 1.3947% | 4,218 |
| Net loans and leases to total assets | 65.1483% | 4,784 |
| Net loans and leases to deposits | 87.8099% | 3,316 |
| Net loans and leases to core deposits | 110.4231% | 3,377 |
| Total domestic deposits to total assets | 74.1925% | 6,853 |
| Equity capital to assets | 8.3048% | 6,385 |
| Core capital (leverage) ratio | 8.3368% | 5,834 |
| Tier 1 risk-based capital ratio | 12.8397% | 4,300 |
| Total risk-based capital ratio | 13.9535% | 4,307 |
| Memoranda: | ||
| Average total assets | $341,666,000 | 2,030 |
| Average earning assets | $311,616,500 | 2,053 |
| Average equity | $28,529,500 | 2,380 |
| Average total loans | $226,218,000 | 2,133 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7476% | 6,610 |
| Cost of funding earning assets | 2.6479% | 3,445 |
| Net interest margin | 3.0997% | 6,651 |
| Noninterest income to average assets | 0.6135% | 3,753 |
| Noninterest expense to average assets | 2.9387% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3996% | 5,148 |
| Return on assets (ROA) | -0.4933% | 6,797 |
| Pretax return on assets | -0.8852% | 6,932 |
| Return on Equity (ROE) | -5.4839% | 6,913 |
| Retained earnings to average equity (ytd only) | -5.4839% | 6,583 |
| Net charge-offs to loans | 0.1963% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.0092% | 4,149 |
| Efficiency ratio | 85.2116% | 1,928 |
| Assets per employee ($millions) | 3.8689% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 5,465 |
| Loan loss allowance to noncurrent loans | 194.3291% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 6,135 |
| Noncurrent loans to loans | 0.5526% | 5,705 |
| Net loans and leases to total assets | 65.8379% | 4,884 |
| Net loans and leases to deposits | 89.0145% | 3,633 |
| Net loans and leases to core deposits | 111.8401% | 3,578 |
| Total domestic deposits to total assets | 73.9631% | 6,662 |
| Equity capital to assets | 8.3957% | 6,263 |
| Core capital (leverage) ratio | 8.7000% | 5,197 |
| Tier 1 risk-based capital ratio | 13.0914% | 4,061 |
| Total risk-based capital ratio | 14.1753% | 4,072 |
| Memoranda: | ||
| Average total assets | $341,168,600 | 1,950 |
| Average earning assets | $312,060,400 | 1,952 |
| Average equity | $30,690,000 | 2,197 |
| Average total loans | $221,124,000 | 2,116 |