Home > Ohio Commerce Bank > Performance and Condition Ratios
Ohio Commerce Bank, Performance and Condition Ratios
| 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 | 4.9957% | 954 |
| Cost of funding earning assets | 0.4686% | 4,075 |
| Net interest margin | 4.5270% | 703 |
| Noninterest income to average assets | 0.4288% | 4,308 |
| Noninterest expense to average assets | 3.0931% | 2,679 |
| Loan and lease loss provision to assets | 0.3651% | 867 |
| Net operating income to assets | 0.5354% | 4,638 |
| Return on assets (ROA) | 0.5354% | 4,789 |
| Pretax return on assets | 0.8217% | 4,218 |
| Return on Equity (ROE) | 5.2740% | 4,581 |
| Retained earnings to average equity (ytd only) | 5.2740% | 2,890 |
| Net charge-offs to loans | 0.2268% | 2,455 |
| Credit loss provision to net charge-offs | 207.2368% | 1,170 |
| Earnings coverage of net charge-offs (x) | 6.7369% | 2,918 |
| Efficiency ratio | 72.2719% | 3,352 |
| Assets per employee ($millions) | 4.7470% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 3,881 |
| Loan loss allowance to noncurrent loans | 104.8967% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.8870% | 2,152 |
| Noncurrent loans to loans | 1.3376% | 3,186 |
| Net loans and leases to total assets | 78.0558% | 737 |
| Net loans and leases to deposits | 86.5493% | 1,552 |
| Net loans and leases to core deposits | 113.6544% | 457 |
| Total domestic deposits to total assets | 90.1865% | 902 |
| Equity capital to assets | 9.6028% | 4,412 |
| Core capital (leverage) ratio | 10.0386% | 3,627 |
| Tier 1 risk-based capital ratio | 11.9370% | 5,814 |
| Total risk-based capital ratio | 13.1883% | 5,751 |
| Memoranda: | ||
| Average total assets | $115,047,750 | 4,431 |
| Average earning assets | $97,869,250 | 4,614 |
| Average equity | $11,679,500 | 4,559 |
| Average total loans | $89,362,000 | 3,734 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 944 |
| Cost of funding earning assets | 0.4776% | 4,123 |
| Net interest margin | 4.4993% | 708 |
| Noninterest income to average assets | 0.4294% | 4,309 |
| Noninterest expense to average assets | 3.0484% | 2,842 |
| Loan and lease loss provision to assets | 0.2209% | 1,718 |
| Net operating income to assets | 0.6450% | 4,080 |
| Return on assets (ROA) | 0.6450% | 4,235 |
| Pretax return on assets | 0.9870% | 3,568 |
| Return on Equity (ROE) | 6.2296% | 4,033 |
| Retained earnings to average equity (ytd only) | 6.2296% | 2,303 |
| Net charge-offs to loans | 0.0277% | 4,306 |
| Credit loss provision to net charge-offs | 1,033.3333% | 292 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 735 |
| Efficiency ratio | 71.6199% | 3,534 |
| Assets per employee ($millions) | 3.8506% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 3,708 |
| Loan loss allowance to noncurrent loans | 383.7209% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 3,308 |
| Noncurrent loans to loans | 0.3839% | 5,314 |
| Net loans and leases to total assets | 79.0581% | 630 |
| Net loans and leases to deposits | 88.5653% | 1,275 |
| Net loans and leases to core deposits | 120.9279% | 303 |
| Total domestic deposits to total assets | 89.2653% | 1,471 |
| Equity capital to assets | 10.5386% | 3,252 |
| Core capital (leverage) ratio | 9.8994% | 3,653 |
| Tier 1 risk-based capital ratio | 12.9241% | 5,204 |
| Total risk-based capital ratio | 14.1770% | 5,133 |
| Memoranda: | ||
| Average total assets | $112,256,330 | 4,531 |
| Average earning assets | $95,482,000 | 4,707 |
| Average equity | $11,622,000 | 4,606 |
| Average total loans | $86,579,670 | 3,806 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 1,046 |
| Cost of funding earning assets | 0.4540% | 4,548 |
| Net interest margin | 4.4589% | 728 |
| Noninterest income to average assets | 0.3767% | 4,653 |
| Noninterest expense to average assets | 2.9142% | 3,293 |
| Loan and lease loss provision to assets | 0.1955% | 1,894 |
| Net operating income to assets | 0.6539% | 3,940 |
| Return on assets (ROA) | 0.6539% | 4,095 |
| Pretax return on assets | 1.0022% | 3,342 |
| Return on Equity (ROE) | 6.3728% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.3728% | 2,468 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8729% | 3,813 |
| Assets per employee ($millions) | 4.2714% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 4,023 |
| Loan loss allowance to noncurrent loans | 306.5534% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3429% | 3,273 |
| Noncurrent loans to loans | 0.4726% | 5,239 |
| Net loans and leases to total assets | 80.4635% | 387 |
| Net loans and leases to deposits | 90.4948% | 919 |
| Net loans and leases to core deposits | 128.0350% | 191 |
| Total domestic deposits to total assets | 88.9151% | 1,731 |
| Equity capital to assets | 10.8995% | 3,080 |
| Core capital (leverage) ratio | 10.5355% | 2,728 |
| Tier 1 risk-based capital ratio | 13.4054% | 4,933 |
| Total risk-based capital ratio | 14.6575% | 4,887 |
| Memoranda: | ||
| Average total assets | $112,551,500 | 4,562 |
| Average earning assets | $94,282,500 | 4,791 |
| Average equity | $11,549,000 | 4,662 |
| Average total loans | $85,069,000 | 3,866 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 3,765 |
| Cost of funding earning assets | 0.4661% | 5,449 |
| Net interest margin | 3.9461% | 2,620 |
| Noninterest income to average assets | 0.7507% | 2,493 |
| Noninterest expense to average assets | 2.6180% | 4,681 |
| Loan and lease loss provision to assets | 0.8007% | 607 |
| Net operating income to assets | 0.5901% | 4,282 |
| Return on assets (ROA) | 0.5901% | 4,545 |
| Pretax return on assets | 0.9060% | 3,894 |
| Return on Equity (ROE) | 5.8272% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.8272% | 2,178 |
| Net charge-offs to loans | 0.9978% | 1,098 |
| Credit loss provision to net charge-offs | 110.8040% | 2,636 |
| Earnings coverage of net charge-offs (x) | 2.3618% | 4,229 |
| Efficiency ratio | 60.5374% | 5,461 |
| Assets per employee ($millions) | 4.7327% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,916 |
| Loan loss allowance to noncurrent loans | 84.7719% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.0682% | 2,369 |
| Noncurrent loans to loans | 1.7179% | 3,033 |
| Net loans and leases to total assets | 69.0884% | 2,012 |
| Net loans and leases to deposits | 76.6103% | 2,697 |
| Net loans and leases to core deposits | 107.8645% | 616 |
| Total domestic deposits to total assets | 90.1815% | 859 |
| Equity capital to assets | 9.6849% | 4,612 |
| Core capital (leverage) ratio | 10.3065% | 3,003 |
| Tier 1 risk-based capital ratio | 14.2269% | 4,219 |
| Total risk-based capital ratio | 15.4798% | 4,175 |
| Memoranda: | ||
| Average total assets | $110,159,400 | 4,587 |
| Average earning assets | $99,770,400 | 4,598 |
| Average equity | $11,154,600 | 4,731 |
| Average total loans | $79,775,600 | 4,049 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 4,641 |
| Cost of funding earning assets | 0.4640% | 5,691 |
| Net interest margin | 3.7882% | 3,386 |
| Noninterest income to average assets | 0.8990% | 1,829 |
| Noninterest expense to average assets | 2.6723% | 4,493 |
| Loan and lease loss provision to assets | 0.7152% | 701 |
| Net operating income to assets | 0.7017% | 3,908 |
| Return on assets (ROA) | 0.7017% | 4,152 |
| Pretax return on assets | 1.0753% | 3,442 |
| Return on Equity (ROE) | 6.8479% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.8479% | 2,209 |
| Net charge-offs to loans | 0.5284% | 2,032 |
| Credit loss provision to net charge-offs | 185.3035% | 1,495 |
| Earnings coverage of net charge-offs (x) | 4.6390% | 3,245 |
| Efficiency ratio | 59.8784% | 5,522 |
| Assets per employee ($millions) | 4.4221% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 3,145 |
| Loan loss allowance to noncurrent loans | 155.1955% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 3,570 |
| Noncurrent loans to loans | 1.0970% | 4,236 |
| Net loans and leases to total assets | 75.5613% | 1,034 |
| Net loans and leases to deposits | 85.0504% | 1,721 |
| Net loans and leases to core deposits | 119.3932% | 326 |
| Total domestic deposits to total assets | 88.8430% | 1,517 |
| Equity capital to assets | 10.7254% | 3,582 |
| Core capital (leverage) ratio | 10.3690% | 3,079 |
| Tier 1 risk-based capital ratio | 14.3138% | 4,322 |
| Total risk-based capital ratio | 15.5707% | 4,284 |
| Memoranda: | ||
| Average total assets | $108,119,750 | 4,682 |
| Average earning assets | $101,716,750 | 4,601 |
| Average equity | $11,078,500 | 4,786 |
| Average total loans | $78,981,500 | 4,109 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 5,584 |
| Cost of funding earning assets | 0.4517% | 5,964 |
| Net interest margin | 3.5701% | 4,385 |
| Noninterest income to average assets | 0.5791% | 3,381 |
| Noninterest expense to average assets | 2.5850% | 4,826 |
| Loan and lease loss provision to assets | 0.4523% | 1,417 |
| Net operating income to assets | 0.6435% | 4,144 |
| Return on assets (ROA) | 0.6435% | 4,396 |
| Pretax return on assets | 0.9855% | 3,764 |
| Return on Equity (ROE) | 6.3770% | 4,114 |
| Retained earnings to average equity (ytd only) | 6.3770% | 2,455 |
| Net charge-offs to loans | 0.0358% | 4,881 |
| Credit loss provision to net charge-offs | 1,757.1429% | 183 |
| Earnings coverage of net charge-offs (x) | 55.8571% | 673 |
| Efficiency ratio | 64.2596% | 4,851 |
| Assets per employee ($millions) | 4.5090% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 3,646 |
| Loan loss allowance to noncurrent loans | 99.7789% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 3,897 |
| Noncurrent loans to loans | 1.5913% | 3,522 |
| Net loans and leases to total assets | 71.5842% | 1,632 |
| Net loans and leases to deposits | 79.2171% | 2,493 |
| Net loans and leases to core deposits | 103.0553% | 913 |
| Total domestic deposits to total assets | 90.3646% | 729 |
| Equity capital to assets | 9.5135% | 5,036 |
| Core capital (leverage) ratio | 10.3128% | 3,032 |
| Tier 1 risk-based capital ratio | 13.6905% | 4,675 |
| Total risk-based capital ratio | 14.9453% | 4,648 |
| Memoranda: | ||
| Average total assets | $108,782,670 | 4,697 |
| Average earning assets | $104,926,330 | 4,537 |
| Average equity | $10,977,000 | 4,818 |
| Average total loans | $78,114,330 | 4,153 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 5,227 |
| Cost of funding earning assets | 0.4771% | 5,967 |
| Net interest margin | 3.6896% | 3,873 |
| Noninterest income to average assets | 0.4629% | 4,203 |
| Noninterest expense to average assets | 2.6512% | 4,617 |
| Loan and lease loss provision to assets | 0.2525% | 2,432 |
| Net operating income to assets | 0.7269% | 3,750 |
| Return on assets (ROA) | 0.7269% | 3,981 |
| Pretax return on assets | 1.1094% | 3,288 |
| Return on Equity (ROE) | 6.9795% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.9795% | 2,446 |
| Net charge-offs to loans | 0.0751% | 3,751 |
| Credit loss provision to net charge-offs | 471.4286% | 680 |
| Earnings coverage of net charge-offs (x) | 25.4286% | 1,028 |
| Efficiency ratio | 66.0629% | 4,546 |
| Assets per employee ($millions) | 4.2990% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 3,958 |
| Loan loss allowance to noncurrent loans | 86.4507% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4998% | 3,614 |
| Noncurrent loans to loans | 1.7894% | 3,426 |
| Net loans and leases to total assets | 75.5676% | 853 |
| Net loans and leases to deposits | 85.1537% | 1,517 |
| Net loans and leases to core deposits | 116.1134% | 382 |
| Total domestic deposits to total assets | 88.7426% | 1,859 |
| Equity capital to assets | 11.1047% | 2,796 |
| Core capital (leverage) ratio | 10.7794% | 2,465 |
| Tier 1 risk-based capital ratio | 14.9839% | 3,772 |
| Total risk-based capital ratio | 16.2386% | 3,727 |
| Memoranda: | ||
| Average total assets | $104,557,000 | 4,822 |
| Average earning assets | $100,606,500 | 4,686 |
| Average equity | $10,889,000 | 4,840 |
| Average total loans | $74,534,000 | 4,289 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3359% | 5,643 |
| Cost of funding earning assets | 0.5420% | 6,379 |
| Net interest margin | 3.7939% | 3,848 |
| Noninterest income to average assets | 0.6479% | 2,901 |
| Noninterest expense to average assets | 2.7746% | 4,451 |
| Loan and lease loss provision to assets | 0.5036% | 2,089 |
| Net operating income to assets | 0.6689% | 3,634 |
| Return on assets (ROA) | 0.6689% | 3,826 |
| Pretax return on assets | 1.0259% | 3,138 |
| Return on Equity (ROE) | 5.7825% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.7825% | 2,134 |
| Net charge-offs to loans | 0.5076% | 2,962 |
| Credit loss provision to net charge-offs | 134.0176% | 2,255 |
| Earnings coverage of net charge-offs (x) | 4.0704% | 3,281 |
| Efficiency ratio | 64.4649% | 5,047 |
| Assets per employee ($millions) | 5.0108% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,867 |
| Loan loss allowance to noncurrent loans | 72.1080% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 3,873 |
| Noncurrent loans to loans | 2.1264% | 3,037 |
| Net loans and leases to total assets | 65.3619% | 2,907 |
| Net loans and leases to deposits | 72.5273% | 3,728 |
| Net loans and leases to core deposits | 90.5814% | 2,041 |
| Total domestic deposits to total assets | 90.1204% | 929 |
| Equity capital to assets | 9.7953% | 4,449 |
| Core capital (leverage) ratio | 10.9797% | 2,281 |
| Tier 1 risk-based capital ratio | 14.9667% | 3,658 |
| Total risk-based capital ratio | 16.2208% | 3,615 |
| Memoranda: | ||
| Average total assets | $90,752,200 | 5,162 |
| Average earning assets | $87,456,600 | 5,010 |
| Average equity | $10,497,200 | 4,905 |
| Average total loans | $67,177,200 | 4,591 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 5,411 |
| Cost of funding earning assets | 0.5852% | 6,352 |
| Net interest margin | 3.8699% | 3,523 |
| Noninterest income to average assets | 0.7576% | 2,277 |
| Noninterest expense to average assets | 2.8566% | 4,117 |
| Loan and lease loss provision to assets | 0.7095% | 1,352 |
| Net operating income to assets | 0.6086% | 4,049 |
| Return on assets (ROA) | 0.6086% | 4,235 |
| Pretax return on assets | 0.9284% | 3,656 |
| Return on Equity (ROE) | 5.0149% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.0149% | 3,162 |
| Net charge-offs to loans | 0.2984% | 3,603 |
| Credit loss provision to net charge-offs | 310.8844% | 909 |
| Earnings coverage of net charge-offs (x) | 7.1767% | 2,405 |
| Efficiency ratio | 63.5579% | 5,145 |
| Assets per employee ($millions) | 4.0154% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 2,915 |
| Loan loss allowance to noncurrent loans | 77.6401% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.9188% | 3,236 |
| Noncurrent loans to loans | 2.3290% | 2,976 |
| Net loans and leases to total assets | 80.8961% | 433 |
| Net loans and leases to deposits | 92.4488% | 975 |
| Net loans and leases to core deposits | 118.5698% | 427 |
| Total domestic deposits to total assets | 87.5037% | 2,351 |
| Equity capital to assets | 11.9971% | 2,253 |
| Core capital (leverage) ratio | 11.6220% | 1,940 |
| Tier 1 risk-based capital ratio | 14.8979% | 3,720 |
| Total risk-based capital ratio | 16.1560% | 3,687 |
| Memoranda: | ||
| Average total assets | $85,881,000 | 5,330 |
| Average earning assets | $82,929,250 | 5,190 |
| Average equity | $10,422,000 | 4,934 |
| Average total loans | $65,677,750 | 4,690 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 5,747 |
| Cost of funding earning assets | 0.6040% | 6,441 |
| Net interest margin | 3.7820% | 3,879 |
| Noninterest income to average assets | 0.9405% | 1,494 |
| Noninterest expense to average assets | 2.9578% | 3,802 |
| Loan and lease loss provision to assets | 0.4279% | 2,288 |
| Net operating income to assets | 0.7924% | 3,111 |
| Return on assets (ROA) | 0.7924% | 3,235 |
| Pretax return on assets | 1.2062% | 2,457 |
| Return on Equity (ROE) | 6.5037% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.5037% | 2,141 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4137% | 5,165 |
| Assets per employee ($millions) | 4.4405% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 2,810 |
| Loan loss allowance to noncurrent loans | 99.4975% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 4,336 |
| Noncurrent loans to loans | 1.8662% | 3,657 |
| Net loans and leases to total assets | 67.3383% | 2,754 |
| Net loans and leases to deposits | 76.0943% | 3,451 |
| Net loans and leases to core deposits | 99.6619% | 1,371 |
| Total domestic deposits to total assets | 88.4933% | 1,857 |
| Equity capital to assets | 11.2890% | 2,692 |
| Core capital (leverage) ratio | 12.1396% | 1,535 |
| Tier 1 risk-based capital ratio | 16.1726% | 2,893 |
| Total risk-based capital ratio | 17.4298% | 2,861 |
| Memoranda: | ||
| Average total assets | $85,062,000 | 5,394 |
| Average earning assets | $82,125,670 | 5,258 |
| Average equity | $10,363,330 | 4,960 |
| Average total loans | $63,311,000 | 4,818 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 5,292 |
| Cost of funding earning assets | 0.6376% | 6,439 |
| Net interest margin | 3.8766% | 3,266 |
| Noninterest income to average assets | 1.6846% | 485 |
| Noninterest expense to average assets | 3.0827% | 3,327 |
| Loan and lease loss provision to assets | 0.5385% | 1,610 |
| Net operating income to assets | 1.2005% | 1,519 |
| Return on assets (ROA) | 1.2005% | 1,567 |
| Pretax return on assets | 1.8180% | 787 |
| Return on Equity (ROE) | 9.4539% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.4539% | 1,247 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6757% | 6,423 |
| Assets per employee ($millions) | 3.8848% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 3,047 |
| Loan loss allowance to noncurrent loans | 92.9942% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.4697% | 4,050 |
| Noncurrent loans to loans | 1.9233% | 3,668 |
| Net loans and leases to total assets | 75.0493% | 1,171 |
| Net loans and leases to deposits | 86.2423% | 1,691 |
| Net loans and leases to core deposits | 115.7698% | 540 |
| Total domestic deposits to total assets | 87.0215% | 2,924 |
| Equity capital to assets | 12.7530% | 1,497 |
| Core capital (leverage) ratio | 12.6685% | 1,257 |
| Tier 1 risk-based capital ratio | 16.9381% | 2,503 |
| Total risk-based capital ratio | 18.1951% | 2,475 |
| Memoranda: | ||
| Average total assets | $80,968,000 | 5,564 |
| Average earning assets | $78,420,000 | 5,404 |
| Average equity | $10,281,500 | 4,966 |
| Average total loans | $62,976,000 | 4,872 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 4,811 |
| Cost of funding earning assets | 0.8922% | 6,197 |
| Net interest margin | 4.0523% | 2,795 |
| Noninterest income to average assets | 0.5726% | 3,649 |
| Noninterest expense to average assets | 2.9831% | 3,914 |
| Loan and lease loss provision to assets | 0.3640% | 3,931 |
| Net operating income to assets | 0.7390% | 3,053 |
| Return on assets (ROA) | 0.7390% | 3,182 |
| Pretax return on assets | 1.1207% | 2,503 |
| Return on Equity (ROE) | 5.5214% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.5214% | 2,094 |
| Net charge-offs to loans | 0.2851% | 4,595 |
| Credit loss provision to net charge-offs | 156.1404% | 2,260 |
| Earnings coverage of net charge-offs (x) | 6.3684% | 2,373 |
| Efficiency ratio | 66.7684% | 4,807 |
| Assets per employee ($millions) | 4.2292% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,658 |
| Loan loss allowance to noncurrent loans | 117.3862% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0665% | 4,876 |
| Noncurrent loans to loans | 1.3473% | 4,464 |
| Net loans and leases to total assets | 77.9105% | 959 |
| Net loans and leases to deposits | 89.3936% | 1,599 |
| Net loans and leases to core deposits | 118.8402% | 566 |
| Total domestic deposits to total assets | 87.1545% | 2,742 |
| Equity capital to assets | 12.6426% | 1,554 |
| Core capital (leverage) ratio | 11.9124% | 1,611 |
| Tier 1 risk-based capital ratio | 17.5679% | 2,149 |
| Total risk-based capital ratio | 18.8234% | 2,111 |
| Memoranda: | ||
| Average total assets | $73,345,800 | 5,776 |
| Average earning assets | $70,503,400 | 5,648 |
| Average equity | $9,816,400 | 5,182 |
| Average total loans | $59,981,600 | 5,070 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9599% | 4,992 |
| Cost of funding earning assets | 0.9252% | 6,287 |
| Net interest margin | 4.0346% | 2,932 |
| Noninterest income to average assets | 0.5885% | 3,514 |
| Noninterest expense to average assets | 3.0058% | 3,720 |
| Loan and lease loss provision to assets | 0.3427% | 3,867 |
| Net operating income to assets | 0.7356% | 3,257 |
| Return on assets (ROA) | 0.7356% | 3,417 |
| Pretax return on assets | 1.1137% | 2,784 |
| Return on Equity (ROE) | 5.4122% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.4122% | 2,702 |
| Net charge-offs to loans | 0.3859% | 3,743 |
| Credit loss provision to net charge-offs | 107.6023% | 3,964 |
| Earnings coverage of net charge-offs (x) | 4.5732% | 2,994 |
| Efficiency ratio | 67.3623% | 4,593 |
| Assets per employee ($millions) | 4.2458% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 3,991 |
| Loan loss allowance to noncurrent loans | 417.6471% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 6,643 |
| Noncurrent loans to loans | 0.3579% | 6,481 |
| Net loans and leases to total assets | 79.5852% | 809 |
| Net loans and leases to deposits | 91.7792% | 1,477 |
| Net loans and leases to core deposits | 119.1930% | 638 |
| Total domestic deposits to total assets | 86.7138% | 2,687 |
| Equity capital to assets | 13.1004% | 1,525 |
| Core capital (leverage) ratio | 12.8943% | 1,268 |
| Tier 1 risk-based capital ratio | 17.3546% | 2,224 |
| Total risk-based capital ratio | 18.6091% | 2,181 |
| Memoranda: | ||
| Average total assets | $71,593,500 | 5,898 |
| Average earning assets | $68,736,750 | 5,780 |
| Average equity | $9,730,750 | 5,276 |
| Average total loans | $59,074,250 | 5,184 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 5,027 |
| Cost of funding earning assets | 0.9651% | 6,315 |
| Net interest margin | 4.0158% | 2,943 |
| Noninterest income to average assets | 0.7602% | 2,324 |
| Noninterest expense to average assets | 3.1008% | 3,317 |
| Loan and lease loss provision to assets | 0.5258% | 2,686 |
| Net operating income to assets | 0.6430% | 3,656 |
| Return on assets (ROA) | 0.6430% | 3,810 |
| Pretax return on assets | 0.9745% | 3,223 |
| Return on Equity (ROE) | 4.6695% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.6695% | 3,101 |
| Net charge-offs to loans | 0.2028% | 4,399 |
| Credit loss provision to net charge-offs | 311.8644% | 1,172 |
| Earnings coverage of net charge-offs (x) | 8.8983% | 2,082 |
| Efficiency ratio | 67.3913% | 4,693 |
| Assets per employee ($millions) | 4.3214% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 2,879 |
| Loan loss allowance to noncurrent loans | 431.2500% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 6,599 |
| Noncurrent loans to loans | 0.4070% | 6,432 |
| Net loans and leases to total assets | 78.8577% | 982 |
| Net loans and leases to deposits | 91.2358% | 1,660 |
| Net loans and leases to core deposits | 130.0061% | 420 |
| Total domestic deposits to total assets | 86.4328% | 2,858 |
| Equity capital to assets | 13.3480% | 1,415 |
| Core capital (leverage) ratio | 13.2365% | 1,129 |
| Tier 1 risk-based capital ratio | 16.9665% | 2,292 |
| Total risk-based capital ratio | 18.2240% | 2,243 |
| Memoranda: | ||
| Average total assets | $69,983,000 | 5,979 |
| Average earning assets | $66,935,330 | 5,865 |
| Average equity | $9,637,000 | 5,303 |
| Average total loans | $58,183,670 | 5,263 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0169% | 4,940 |
| Cost of funding earning assets | 1.0034% | 6,361 |
| Net interest margin | 4.0135% | 2,816 |
| Noninterest income to average assets | 1.1488% | 943 |
| Noninterest expense to average assets | 3.5403% | 1,883 |
| Loan and lease loss provision to assets | 0.2989% | 3,643 |
| Net operating income to assets | 0.7444% | 3,239 |
| Return on assets (ROA) | 0.7444% | 3,345 |
| Pretax return on assets | 1.1313% | 2,624 |
| Return on Equity (ROE) | 5.3180% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.3180% | 2,976 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9906% | 4,121 |
| Assets per employee ($millions) | 4.6873% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6973% | 3,069 |
| Loan loss allowance to noncurrent loans | 321.4047% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 6,404 |
| Noncurrent loans to loans | 0.5281% | 6,232 |
| Net loans and leases to total assets | 79.1594% | 955 |
| Net loans and leases to deposits | 91.9434% | 1,619 |
| Net loans and leases to core deposits | 127.9942% | 536 |
| Total domestic deposits to total assets | 86.0959% | 3,099 |
| Equity capital to assets | 13.6766% | 1,252 |
| Core capital (leverage) ratio | 13.3648% | 1,112 |
| Tier 1 risk-based capital ratio | 16.7337% | 2,364 |
| Total risk-based capital ratio | 17.9901% | 2,315 |
| Memoranda: | ||
| Average total assets | $68,242,500 | 6,099 |
| Average earning assets | $64,980,500 | 5,997 |
| Average equity | $9,552,500 | 5,361 |
| Average total loans | $57,792,000 | 5,346 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 6,714 |
| Cost of funding earning assets | 1.1732% | 6,754 |
| Net interest margin | 3.7262% | 4,022 |
| Noninterest income to average assets | 0.5956% | 3,667 |
| Noninterest expense to average assets | 3.3338% | 2,897 |
| Loan and lease loss provision to assets | 0.3010% | 5,024 |
| Net operating income to assets | 0.3316% | 4,407 |
| Return on assets (ROA) | 0.3316% | 4,497 |
| Pretax return on assets | 0.5039% | 4,173 |
| Return on Equity (ROE) | 2.2126% | 4,826 |
| Retained earnings to average equity (ytd only) | 2.2126% | 3,562 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1245% | 2,870 |
| Assets per employee ($millions) | 4.4117% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 3,507 |
| Loan loss allowance to noncurrent loans | 441.7476% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 6,661 |
| Noncurrent loans to loans | 0.3494% | 6,575 |
| Net loans and leases to total assets | 87.7310% | 186 |
| Net loans and leases to deposits | 102.5507% | 718 |
| Net loans and leases to core deposits | 152.5100% | 452 |
| Total domestic deposits to total assets | 85.5489% | 3,260 |
| Equity capital to assets | 14.3393% | 1,064 |
| Core capital (leverage) ratio | 13.9335% | 995 |
| Tier 1 risk-based capital ratio | 16.1598% | 2,447 |
| Total risk-based capital ratio | 17.4136% | 2,383 |
| Memoranda: | ||
| Average total assets | $62,120,600 | 6,267 |
| Average earning assets | $59,067,800 | 6,159 |
| Average equity | $9,310,400 | 5,505 |
| Average total loans | $53,430,800 | 5,531 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 7,092 |
| Cost of funding earning assets | 1.2105% | 6,859 |
| Net interest margin | 3.6040% | 4,469 |
| Noninterest income to average assets | 0.4277% | 5,068 |
| Noninterest expense to average assets | 3.4147% | 2,533 |
| Loan and lease loss provision to assets | 0.1986% | 5,403 |
| Net operating income to assets | 0.1593% | 5,288 |
| Return on assets (ROA) | 0.1593% | 5,346 |
| Pretax return on assets | 0.2378% | 5,213 |
| Return on Equity (ROE) | 1.0504% | 5,480 |
| Retained earnings to average equity (ytd only) | 1.0504% | 4,729 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2153% | 1,855 |
| Assets per employee ($millions) | 4.2900% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 3,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 82.1461% | 785 |
| Net loans and leases to deposits | 96.2492% | 1,541 |
| Net loans and leases to core deposits | 135.8406% | 1,111 |
| Total domestic deposits to total assets | 85.3473% | 3,052 |
| Equity capital to assets | 14.5392% | 1,134 |
| Core capital (leverage) ratio | 13.9912% | 1,094 |
| Tier 1 risk-based capital ratio | 17.1735% | 2,224 |
| Total risk-based capital ratio | 18.4270% | 2,167 |
| Memoranda: | ||
| Average total assets | $61,107,000 | 6,352 |
| Average earning assets | $58,045,500 | 6,255 |
| Average equity | $9,265,750 | 5,569 |
| Average total loans | $52,047,000 | 5,633 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 7,312 |
| Cost of funding earning assets | 1.2649% | 6,911 |
| Net interest margin | 3.4865% | 4,860 |
| Noninterest income to average assets | 0.1566% | 7,153 |
| Noninterest expense to average assets | 3.5018% | 2,332 |
| Loan and lease loss provision to assets | 0.3032% | 4,138 |
| Net operating income to assets | -0.2199% | 6,218 |
| Return on assets (ROA) | -0.2199% | 6,236 |
| Pretax return on assets | -0.3332% | 6,264 |
| Return on Equity (ROE) | -1.4292% | 6,136 |
| Retained earnings to average equity (ytd only) | -1.4292% | 5,598 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0960% | 1,171 |
| Assets per employee ($millions) | 3.4481% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 2,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 87.4490% | 276 |
| Net loans and leases to deposits | 104.1108% | 904 |
| Net loans and leases to core deposits | 159.3360% | 464 |
| Total domestic deposits to total assets | 83.9961% | 3,776 |
| Equity capital to assets | 15.7241% | 883 |
| Core capital (leverage) ratio | 14.9508% | 935 |
| Tier 1 risk-based capital ratio | 17.5042% | 2,149 |
| Total risk-based capital ratio | 18.7600% | 2,102 |
| Memoranda: | ||
| Average total assets | $60,026,000 | 6,442 |
| Average earning assets | $57,077,670 | 6,346 |
| Average equity | $9,235,670 | 5,603 |
| Average total loans | $51,504,330 | 5,698 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 7,758 |
| Cost of funding earning assets | 1.3572% | 6,853 |
| Net interest margin | 3.0934% | 6,220 |
| Noninterest income to average assets | 0.1383% | 7,312 |
| Noninterest expense to average assets | 3.4052% | 2,341 |
| Loan and lease loss provision to assets | 0.4545% | 2,649 |
| Net operating income to assets | -0.5006% | 6,875 |
| Return on assets (ROA) | -0.5006% | 6,928 |
| Pretax return on assets | -0.7640% | 7,011 |
| Return on Equity (ROE) | -3.2883% | 6,810 |
| Retained earnings to average equity (ytd only) | -3.2883% | 6,329 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1489% | 831 |
| Assets per employee ($millions) | 3.7989% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 3,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 87.9210% | 272 |
| Net loans and leases to deposits | 103.8193% | 1,020 |
| Net loans and leases to core deposits | 159.1975% | 502 |
| Total domestic deposits to total assets | 84.6865% | 3,375 |
| Equity capital to assets | 15.1473% | 1,059 |
| Core capital (leverage) ratio | 14.1445% | 1,156 |
| Tier 1 risk-based capital ratio | 16.1506% | 2,636 |
| Total risk-based capital ratio | 17.4032% | 2,572 |
| Memoranda: | ||
| Average total assets | $60,730,500 | 6,447 |
| Average earning assets | $58,059,500 | 6,337 |
| Average equity | $9,245,000 | 5,618 |
| Average total loans | $51,219,500 | 5,748 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 7,558 |
| Cost of funding earning assets | 1.9313% | 6,638 |
| Net interest margin | 3.4047% | 5,644 |
| Noninterest income to average assets | 0.4163% | 5,334 |
| Noninterest expense to average assets | 3.5188% | 2,345 |
| Loan and lease loss provision to assets | 0.5865% | 2,476 |
| Net operating income to assets | -0.3055% | 6,739 |
| Return on assets (ROA) | -0.3055% | 6,606 |
| Pretax return on assets | -0.4573% | 6,615 |
| Return on Equity (ROE) | -1.5939% | 6,450 |
| Retained earnings to average equity (ytd only) | -1.5939% | 5,765 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0090% | 1,153 |
| Assets per employee ($millions) | 3.5693% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.2541% | 2,065 |
| Net loans and leases to deposits | 92.6082% | 3,030 |
| Net loans and leases to core deposits | 121.7263% | 2,535 |
| Total domestic deposits to total assets | 84.5001% | 3,077 |
| Equity capital to assets | 15.2988% | 1,091 |
| Core capital (leverage) ratio | 14.3531% | 1,175 |
| Tier 1 risk-based capital ratio | 17.1383% | 2,268 |
| Total risk-based capital ratio | 18.3898% | 2,219 |
| Memoranda: | ||
| Average total assets | $48,766,200 | 6,831 |
| Average earning assets | $46,289,600 | 6,756 |
| Average equity | $9,348,000 | 5,620 |
| Average total loans | $40,054,400 | 6,159 |