Home > Orange County Business Bank > Performance and Condition Ratios
Orange County Business Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 4,571 |
| Cost of funding earning assets | 0.3539% | 3,657 |
| Net interest margin | 3.2825% | 4,362 |
| Noninterest income to average assets | 0.2768% | 4,904 |
| Noninterest expense to average assets | 3.4844% | 1,318 |
| Loan and lease loss provision to assets | -1.1543% | 6,177 |
| Net operating income to assets | 0.5809% | 4,380 |
| Return on assets (ROA) | 0.5877% | 4,431 |
| Pretax return on assets | 1.0026% | 3,467 |
| Return on Equity (ROE) | 2.4697% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.4697% | 4,311 |
| Net charge-offs to loans | -1.7827% | 6,139 |
| Credit loss provision to net charge-offs | 100.1738% | 2,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8817% | 199 |
| Assets per employee ($millions) | 5.9381% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 2,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 66.8933% | 2,862 |
| Net loans and leases to deposits | 100.6413% | 636 |
| Net loans and leases to core deposits | 100.8417% | 1,450 |
| Total domestic deposits to total assets | 66.4670% | 6,009 |
| Equity capital to assets | 25.2427% | 90 |
| Core capital (leverage) ratio | 22.4840% | 121 |
| Tier 1 risk-based capital ratio | 37.0606% | 281 |
| Total risk-based capital ratio | 38.3360% | 275 |
| Memoranda: | ||
| Average total assets | $199,773,800 | 2,957 |
| Average earning assets | $185,347,600 | 2,940 |
| Average equity | $47,536,600 | 1,557 |
| Average total loans | $129,127,200 | 2,895 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 4,775 |
| Cost of funding earning assets | 0.3476% | 3,780 |
| Net interest margin | 3.2397% | 4,557 |
| Noninterest income to average assets | 0.2960% | 4,822 |
| Noninterest expense to average assets | 3.4339% | 1,405 |
| Loan and lease loss provision to assets | -1.5205% | 6,267 |
| Net operating income to assets | 0.8127% | 3,371 |
| Return on assets (ROA) | 0.8216% | 3,411 |
| Pretax return on assets | 1.4011% | 2,010 |
| Return on Equity (ROE) | 3.5027% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.5027% | 3,974 |
| Net charge-offs to loans | -2.3646% | 6,225 |
| Credit loss provision to net charge-offs | 100.6547% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0352% | 209 |
| Assets per employee ($millions) | 5.9141% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 2,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.1405% | 2,983 |
| Net loans and leases to deposits | 98.8906% | 739 |
| Net loans and leases to core deposits | 99.0755% | 1,600 |
| Total domestic deposits to total assets | 66.8825% | 6,071 |
| Equity capital to assets | 23.9262% | 115 |
| Core capital (leverage) ratio | 21.7818% | 146 |
| Tier 1 risk-based capital ratio | 34.3939% | 368 |
| Total risk-based capital ratio | 35.6660% | 362 |
| Memoranda: | ||
| Average total assets | $202,212,500 | 2,947 |
| Average earning assets | $187,545,750 | 2,943 |
| Average equity | $47,429,250 | 1,572 |
| Average total loans | $129,180,000 | 2,916 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5804% | 4,776 |
| Cost of funding earning assets | 0.3418% | 3,898 |
| Net interest margin | 3.2387% | 4,534 |
| Noninterest income to average assets | 0.2290% | 5,325 |
| Noninterest expense to average assets | 3.3496% | 1,574 |
| Loan and lease loss provision to assets | -2.3476% | 6,346 |
| Net operating income to assets | 1.3066% | 1,305 |
| Return on assets (ROA) | 1.3199% | 1,311 |
| Pretax return on assets | 2.2509% | 382 |
| Return on Equity (ROE) | 5.6650% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.6650% | 2,428 |
| Net charge-offs to loans | -3.5818% | 6,302 |
| Credit loss provision to net charge-offs | 104.2982% | 1,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6347% | 259 |
| Assets per employee ($millions) | 5.7140% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 3,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 63.5794% | 3,330 |
| Net loans and leases to deposits | 100.4122% | 629 |
| Net loans and leases to core deposits | 100.6116% | 1,437 |
| Total domestic deposits to total assets | 63.3183% | 6,213 |
| Equity capital to assets | 23.9881% | 110 |
| Core capital (leverage) ratio | 23.3447% | 113 |
| Tier 1 risk-based capital ratio | 34.4602% | 379 |
| Total risk-based capital ratio | 35.7315% | 374 |
| Memoranda: | ||
| Average total assets | $202,589,670 | 2,968 |
| Average earning assets | $187,855,000 | 2,951 |
| Average equity | $47,202,000 | 1,584 |
| Average total loans | $127,309,670 | 2,960 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5149% | 4,915 |
| Cost of funding earning assets | 0.3418% | 3,971 |
| Net interest margin | 3.1732% | 4,702 |
| Noninterest income to average assets | 0.2354% | 5,281 |
| Noninterest expense to average assets | 3.2233% | 1,920 |
| Loan and lease loss provision to assets | -0.2786% | 6,300 |
| Net operating income to assets | 0.1415% | 5,807 |
| Return on assets (ROA) | 0.1628% | 5,829 |
| Pretax return on assets | 0.2747% | 5,701 |
| Return on Equity (ROE) | 0.7092% | 5,959 |
| Retained earnings to average equity (ytd only) | 0.7092% | 5,167 |
| Net charge-offs to loans | -0.0348% | 5,332 |
| Credit loss provision to net charge-offs | 1,290.9091% | 277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1700% | 338 |
| Assets per employee ($millions) | 5.6046% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 3,215 |
| Loan loss allowance to noncurrent loans | 45.1952% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 1.8412% | 1,323 |
| Noncurrent loans to loans | 2.9558% | 751 |
| Net loans and leases to total assets | 61.4608% | 3,456 |
| Net loans and leases to deposits | 95.1967% | 890 |
| Net loans and leases to core deposits | 95.3805% | 1,661 |
| Total domestic deposits to total assets | 64.5619% | 6,266 |
| Equity capital to assets | 23.2908% | 121 |
| Core capital (leverage) ratio | 22.9427% | 118 |
| Tier 1 risk-based capital ratio | 33.0706% | 424 |
| Total risk-based capital ratio | 34.2864% | 421 |
| Memoranda: | ||
| Average total assets | $203,889,000 | 2,968 |
| Average earning assets | $189,590,500 | 2,951 |
| Average equity | $46,816,000 | 1,598 |
| Average total loans | $126,532,000 | 2,974 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 5,097 |
| Cost of funding earning assets | 0.3443% | 4,315 |
| Net interest margin | 3.2495% | 4,753 |
| Noninterest income to average assets | 0.2794% | 5,117 |
| Noninterest expense to average assets | 3.1330% | 2,407 |
| Loan and lease loss provision to assets | -1.0560% | 6,494 |
| Net operating income to assets | 3.6440% | 66 |
| Return on assets (ROA) | 3.6465% | 66 |
| Pretax return on assets | 1.2876% | 2,285 |
| Return on Equity (ROE) | 17.9141% | 403 |
| Retained earnings to average equity (ytd only) | 17.9141% | 90 |
| Net charge-offs to loans | -1.8686% | 6,464 |
| Credit loss provision to net charge-offs | 94.8882% | 2,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1863% | 639 |
| Assets per employee ($millions) | 6.2428% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,847 |
| Loan loss allowance to noncurrent loans | 44.7466% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 1.9635% | 1,311 |
| Noncurrent loans to loans | 3.1756% | 690 |
| Net loans and leases to total assets | 60.9518% | 3,644 |
| Net loans and leases to deposits | 101.3323% | 549 |
| Net loans and leases to core deposits | 101.5380% | 1,276 |
| Total domestic deposits to total assets | 60.1504% | 6,404 |
| Equity capital to assets | 22.6390% | 138 |
| Core capital (leverage) ratio | 21.0639% | 169 |
| Tier 1 risk-based capital ratio | 32.4194% | 420 |
| Total risk-based capital ratio | 33.6714% | 412 |
| Memoranda: | ||
| Average total assets | $196,874,000 | 3,035 |
| Average earning assets | $186,768,000 | 2,951 |
| Average equity | $40,074,600 | 1,778 |
| Average total loans | $117,252,000 | 3,094 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 5,191 |
| Cost of funding earning assets | 0.3422% | 4,434 |
| Net interest margin | 3.2389% | 4,826 |
| Noninterest income to average assets | 0.2823% | 5,183 |
| Noninterest expense to average assets | 3.1847% | 2,222 |
| Loan and lease loss provision to assets | -1.4245% | 6,583 |
| Net operating income to assets | 1.6088% | 738 |
| Return on assets (ROA) | 1.6068% | 774 |
| Pretax return on assets | 1.6068% | 1,305 |
| Return on Equity (ROE) | 8.1351% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.1351% | 1,296 |
| Net charge-offs to loans | -2.5348% | 6,543 |
| Credit loss provision to net charge-offs | 95.3232% | 2,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5292% | 570 |
| Assets per employee ($millions) | 6.3008% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,863 |
| Loan loss allowance to noncurrent loans | 43.6681% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 2.0444% | 1,387 |
| Noncurrent loans to loans | 3.3633% | 734 |
| Net loans and leases to total assets | 59.8918% | 3,807 |
| Net loans and leases to deposits | 85.2702% | 1,997 |
| Net loans and leases to core deposits | 85.4210% | 2,732 |
| Total domestic deposits to total assets | 70.2376% | 6,275 |
| Equity capital to assets | 20.1372% | 227 |
| Core capital (leverage) ratio | 20.7805% | 187 |
| Tier 1 risk-based capital ratio | 32.7614% | 418 |
| Total risk-based capital ratio | 34.0135% | 412 |
| Memoranda: | ||
| Average total assets | $194,589,500 | 3,074 |
| Average earning assets | $185,450,000 | 2,992 |
| Average equity | $38,433,500 | 1,843 |
| Average total loans | $114,720,500 | 3,150 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 5,507 |
| Cost of funding earning assets | 0.3419% | 4,519 |
| Net interest margin | 3.1118% | 5,223 |
| Noninterest income to average assets | 0.2840% | 5,149 |
| Noninterest expense to average assets | 3.2521% | 2,046 |
| Loan and lease loss provision to assets | -0.1633% | 6,438 |
| Net operating income to assets | 0.1592% | 5,936 |
| Return on assets (ROA) | 0.1550% | 5,978 |
| Pretax return on assets | 0.1550% | 6,017 |
| Return on Equity (ROE) | 0.7902% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.7902% | 5,431 |
| Net charge-offs to loans | -0.2462% | 6,390 |
| Credit loss provision to net charge-offs | 113.7681% | 1,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1281% | 398 |
| Assets per employee ($millions) | 6.1958% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 3,039 |
| Loan loss allowance to noncurrent loans | 40.0048% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.1169% | 1,465 |
| Noncurrent loans to loans | 3.6705% | 701 |
| Net loans and leases to total assets | 56.8252% | 4,138 |
| Net loans and leases to deposits | 83.8112% | 2,053 |
| Net loans and leases to core deposits | 83.9673% | 2,739 |
| Total domestic deposits to total assets | 67.8015% | 6,429 |
| Equity capital to assets | 19.3737% | 241 |
| Core capital (leverage) ratio | 21.0837% | 159 |
| Tier 1 risk-based capital ratio | 32.9872% | 408 |
| Total risk-based capital ratio | 34.2389% | 401 |
| Memoranda: | ||
| Average total assets | $192,243,670 | 3,121 |
| Average earning assets | $183,107,670 | 3,041 |
| Average equity | $37,710,670 | 1,867 |
| Average total loans | $112,108,000 | 3,199 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 5,248 |
| Cost of funding earning assets | 0.3418% | 4,628 |
| Net interest margin | 3.2272% | 4,826 |
| Noninterest income to average assets | 0.2811% | 5,120 |
| Noninterest expense to average assets | 3.3292% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0254% | 6,176 |
| Return on assets (ROA) | 0.0254% | 6,192 |
| Pretax return on assets | 0.0254% | 6,185 |
| Return on Equity (ROE) | 0.1285% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.1285% | 5,508 |
| Net charge-offs to loans | -0.1658% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2439% | 494 |
| Assets per employee ($millions) | 6.0006% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 2,903 |
| Loan loss allowance to noncurrent loans | 40.5487% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 2.2399% | 1,474 |
| Noncurrent loans to loans | 3.8328% | 725 |
| Net loans and leases to total assets | 57.5313% | 3,921 |
| Net loans and leases to deposits | 83.4127% | 1,890 |
| Net loans and leases to core deposits | 83.5705% | 2,562 |
| Total domestic deposits to total assets | 68.9718% | 6,482 |
| Equity capital to assets | 19.6043% | 232 |
| Core capital (leverage) ratio | 20.9015% | 167 |
| Tier 1 risk-based capital ratio | 32.4471% | 430 |
| Total risk-based capital ratio | 33.6995% | 421 |
| Memoranda: | ||
| Average total assets | $189,233,500 | 3,177 |
| Average earning assets | $180,219,000 | 3,094 |
| Average equity | $37,360,500 | 1,878 |
| Average total loans | $110,990,500 | 3,242 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5317% | 5,576 |
| Cost of funding earning assets | 0.3483% | 5,154 |
| Net interest margin | 3.1834% | 5,053 |
| Noninterest income to average assets | 0.2826% | 5,333 |
| Noninterest expense to average assets | 3.2684% | 2,225 |
| Loan and lease loss provision to assets | -0.5122% | 6,748 |
| Net operating income to assets | 0.5507% | 4,501 |
| Return on assets (ROA) | 0.5689% | 4,524 |
| Pretax return on assets | 0.5710% | 4,966 |
| Return on Equity (ROE) | 2.8194% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.8194% | 4,235 |
| Net charge-offs to loans | -0.6670% | 6,744 |
| Credit loss provision to net charge-offs | 132.8255% | 1,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7732% | 522 |
| Assets per employee ($millions) | 5.6499% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 2,973 |
| Loan loss allowance to noncurrent loans | 38.6788% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 2.3545% | 1,476 |
| Noncurrent loans to loans | 3.9994% | 727 |
| Net loans and leases to total assets | 57.9615% | 4,037 |
| Net loans and leases to deposits | 83.1593% | 2,035 |
| Net loans and leases to core deposits | 83.3196% | 2,742 |
| Total domestic deposits to total assets | 69.6993% | 6,531 |
| Equity capital to assets | 19.8860% | 215 |
| Core capital (leverage) ratio | 19.7897% | 210 |
| Tier 1 risk-based capital ratio | 34.4178% | 350 |
| Total risk-based capital ratio | 35.6701% | 344 |
| Memoranda: | ||
| Average total assets | $187,215,800 | 3,198 |
| Average earning assets | $177,987,400 | 3,099 |
| Average equity | $37,773,800 | 1,839 |
| Average total loans | $108,245,400 | 3,281 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4881% | 5,715 |
| Cost of funding earning assets | 0.3386% | 5,402 |
| Net interest margin | 3.1496% | 5,152 |
| Noninterest income to average assets | 0.2454% | 5,682 |
| Noninterest expense to average assets | 3.2634% | 2,167 |
| Loan and lease loss provision to assets | -0.5400% | 6,837 |
| Net operating income to assets | 0.5137% | 4,745 |
| Return on assets (ROA) | 0.5378% | 4,777 |
| Pretax return on assets | 0.5378% | 5,240 |
| Return on Equity (ROE) | 2.6562% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.6562% | 4,731 |
| Net charge-offs to loans | -0.8912% | 6,822 |
| Credit loss provision to net charge-offs | 105.2705% | 2,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8132% | 439 |
| Assets per employee ($millions) | 7.1056% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 2,644 |
| Loan loss allowance to noncurrent loans | 32.7072% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 2.7223% | 1,380 |
| Noncurrent loans to loans | 5.1766% | 559 |
| Net loans and leases to total assets | 51.6980% | 4,910 |
| Net loans and leases to deposits | 72.5406% | 3,450 |
| Net loans and leases to core deposits | 72.5406% | 4,026 |
| Total domestic deposits to total assets | 71.2676% | 6,535 |
| Equity capital to assets | 17.2818% | 384 |
| Core capital (leverage) ratio | 19.5373% | 214 |
| Tier 1 risk-based capital ratio | 33.7986% | 377 |
| Total risk-based capital ratio | 35.0534% | 370 |
| Memoranda: | ||
| Average total assets | $187,407,750 | 3,221 |
| Average earning assets | $178,008,500 | 3,123 |
| Average equity | $37,948,000 | 1,840 |
| Average total loans | $107,865,250 | 3,308 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4013% | 5,906 |
| Cost of funding earning assets | 0.3387% | 5,499 |
| Net interest margin | 3.0626% | 5,387 |
| Noninterest income to average assets | 0.2528% | 5,640 |
| Noninterest expense to average assets | 3.3251% | 2,002 |
| Loan and lease loss provision to assets | -0.8489% | 6,909 |
| Net operating income to assets | 0.6890% | 3,861 |
| Return on assets (ROA) | 0.7270% | 3,852 |
| Pretax return on assets | 0.7270% | 4,589 |
| Return on Equity (ROE) | 3.3927% | 5,474 |
| Retained earnings to average equity (ytd only) | 3.3927% | 4,159 |
| Net charge-offs to loans | -1.2644% | 6,881 |
| Credit loss provision to net charge-offs | 112.7786% | 1,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0530% | 366 |
| Assets per employee ($millions) | 5.7090% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,124 |
| Loan loss allowance to noncurrent loans | 23.8488% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 4.1153% | 835 |
| Noncurrent loans to loans | 6.7449% | 373 |
| Net loans and leases to total assets | 60.0315% | 3,649 |
| Net loans and leases to deposits | 89.1131% | 1,216 |
| Net loans and leases to core deposits | 89.1131% | 1,996 |
| Total domestic deposits to total assets | 67.3655% | 6,733 |
| Equity capital to assets | 19.7111% | 219 |
| Core capital (leverage) ratio | 22.0362% | 126 |
| Tier 1 risk-based capital ratio | 33.4903% | 390 |
| Total risk-based capital ratio | 34.7445% | 382 |
| Memoranda: | ||
| Average total assets | $178,821,330 | 3,325 |
| Average earning assets | $170,053,330 | 3,253 |
| Average equity | $38,317,670 | 1,829 |
| Average total loans | $106,453,330 | 3,349 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 6,246 |
| Cost of funding earning assets | 0.3283% | 5,735 |
| Net interest margin | 2.9157% | 5,780 |
| Noninterest income to average assets | 0.2482% | 5,683 |
| Noninterest expense to average assets | 3.3534% | 1,946 |
| Loan and lease loss provision to assets | -1.3216% | 7,002 |
| Net operating income to assets | 0.9929% | 2,253 |
| Return on assets (ROA) | 1.0228% | 2,248 |
| Pretax return on assets | 1.0228% | 3,254 |
| Return on Equity (ROE) | 4.5748% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.5748% | 3,492 |
| Net charge-offs to loans | -2.3834% | 6,959 |
| Credit loss provision to net charge-offs | 94.4171% | 1,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8663% | 318 |
| Assets per employee ($millions) | 5.9273% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 2,666 |
| Loan loss allowance to noncurrent loans | 22.8184% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 4.8527% | 759 |
| Noncurrent loans to loans | 7.8257% | 344 |
| Net loans and leases to total assets | 60.9027% | 3,269 |
| Net loans and leases to deposits | 92.6113% | 758 |
| Net loans and leases to core deposits | 93.2389% | 1,400 |
| Total domestic deposits to total assets | 65.7616% | 6,847 |
| Equity capital to assets | 21.8589% | 153 |
| Core capital (leverage) ratio | 23.4272% | 103 |
| Tier 1 risk-based capital ratio | 35.8598% | 316 |
| Total risk-based capital ratio | 37.1166% | 312 |
| Memoranda: | ||
| Average total assets | $174,034,000 | 3,435 |
| Average earning assets | $165,721,000 | 3,351 |
| Average equity | $38,909,000 | 1,823 |
| Average total loans | $102,207,000 | 3,455 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 6,492 |
| Cost of funding earning assets | 0.8715% | 2,128 |
| Net interest margin | 2.5221% | 6,699 |
| Noninterest income to average assets | 0.3041% | 5,272 |
| Noninterest expense to average assets | 3.7488% | 1,330 |
| Loan and lease loss provision to assets | -0.9405% | 7,068 |
| Net operating income to assets | -0.1264% | 6,309 |
| Return on assets (ROA) | 0.4570% | 5,102 |
| Pretax return on assets | 0.4570% | 5,406 |
| Return on Equity (ROE) | 2.0536% | 5,881 |
| Retained earnings to average equity (ytd only) | 2.0536% | 4,781 |
| Net charge-offs to loans | -0.8019% | 7,021 |
| Credit loss provision to net charge-offs | 227.6536% | 1,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.7806% | 118 |
| Assets per employee ($millions) | 5.3203% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 1,874 |
| Loan loss allowance to noncurrent loans | 21.1776% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 5.3668% | 704 |
| Noncurrent loans to loans | 9.7048% | 249 |
| Net loans and leases to total assets | 54.1639% | 4,598 |
| Net loans and leases to deposits | 76.2465% | 2,766 |
| Net loans and leases to core deposits | 76.7459% | 3,434 |
| Total domestic deposits to total assets | 71.0379% | 6,742 |
| Equity capital to assets | 22.8775% | 129 |
| Core capital (leverage) ratio | 22.6142% | 119 |
| Tier 1 risk-based capital ratio | 37.6084% | 280 |
| Total risk-based capital ratio | 38.8663% | 277 |
| Memoranda: | ||
| Average total assets | $173,307,200 | 3,397 |
| Average earning assets | $163,393,400 | 3,327 |
| Average equity | $38,566,200 | 1,804 |
| Average total loans | $89,290,800 | 3,762 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 6,595 |
| Cost of funding earning assets | 0.6125% | 4,518 |
| Net interest margin | 2.8132% | 6,481 |
| Noninterest income to average assets | 0.2650% | 5,657 |
| Noninterest expense to average assets | 3.8252% | 1,167 |
| Loan and lease loss provision to assets | -0.7659% | 7,162 |
| Net operating income to assets | -0.1486% | 6,452 |
| Return on assets (ROA) | 0.4343% | 5,338 |
| Pretax return on assets | 0.4343% | 5,637 |
| Return on Equity (ROE) | 1.9651% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.9651% | 5,342 |
| Net charge-offs to loans | -0.1196% | 6,893 |
| Credit loss provision to net charge-offs | 1,265.8228% | 216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4211% | 141 |
| Assets per employee ($millions) | 5.3921% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4463% | 1,274 |
| Loan loss allowance to noncurrent loans | 20.2033% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 5.5307% | 769 |
| Noncurrent loans to loans | 12.1086% | 167 |
| Net loans and leases to total assets | 44.5583% | 5,926 |
| Net loans and leases to deposits | 65.4332% | 4,544 |
| Net loans and leases to core deposits | 65.8744% | 4,965 |
| Total domestic deposits to total assets | 68.0974% | 6,917 |
| Equity capital to assets | 22.6031% | 150 |
| Core capital (leverage) ratio | 22.2605% | 137 |
| Tier 1 risk-based capital ratio | 40.6472% | 225 |
| Total risk-based capital ratio | 41.9070% | 223 |
| Memoranda: | ||
| Average total assets | $174,071,500 | 3,431 |
| Average earning assets | $163,702,500 | 3,354 |
| Average equity | $38,470,500 | 1,824 |
| Average total loans | $88,076,250 | 3,837 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 6,543 |
| Cost of funding earning assets | 0.6126% | 4,784 |
| Net interest margin | 2.9386% | 6,362 |
| Noninterest income to average assets | 0.2578% | 5,731 |
| Noninterest expense to average assets | 3.6957% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.6736% | 6,810 |
| Return on assets (ROA) | -0.1443% | 6,572 |
| Pretax return on assets | -0.1443% | 6,548 |
| Return on Equity (ROE) | -0.6581% | 6,516 |
| Retained earnings to average equity (ytd only) | -0.6581% | 6,156 |
| Net charge-offs to loans | -0.1733% | 6,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.2896% | 213 |
| Assets per employee ($millions) | 5.5111% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6129% | 458 |
| Loan loss allowance to noncurrent loans | 30.3106% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 5.4776% | 817 |
| Noncurrent loans to loans | 11.9195% | 175 |
| Net loans and leases to total assets | 44.2945% | 5,993 |
| Net loans and leases to deposits | 63.8364% | 4,783 |
| Net loans and leases to core deposits | 64.2496% | 5,185 |
| Total domestic deposits to total assets | 69.3875% | 6,938 |
| Equity capital to assets | 21.6658% | 170 |
| Core capital (leverage) ratio | 21.8246% | 140 |
| Tier 1 risk-based capital ratio | 41.0878% | 212 |
| Total risk-based capital ratio | 42.3618% | 209 |
| Memoranda: | ||
| Average total assets | $174,579,670 | 3,440 |
| Average earning assets | $164,230,330 | 3,361 |
| Average equity | $38,293,670 | 1,825 |
| Average total loans | $91,164,330 | 3,775 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 6,150 |
| Cost of funding earning assets | 0.6173% | 4,987 |
| Net interest margin | 3.2286% | 5,705 |
| Noninterest income to average assets | 0.2764% | 5,656 |
| Noninterest expense to average assets | 3.7238% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4122% | 6,781 |
| Return on assets (ROA) | -0.1819% | 6,671 |
| Pretax return on assets | -0.1819% | 6,651 |
| Return on Equity (ROE) | -0.8243% | 6,611 |
| Retained earnings to average equity (ytd only) | -0.8243% | 6,127 |
| Net charge-offs to loans | 0.0083% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -89.5000% | 4,719 |
| Efficiency ratio | 112.4478% | 310 |
| Assets per employee ($millions) | 6.1618% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2020% | 684 |
| Loan loss allowance to noncurrent loans | 26.3684% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 6.0422% | 779 |
| Noncurrent loans to loans | 12.1433% | 200 |
| Net loans and leases to total assets | 48.1642% | 5,535 |
| Net loans and leases to deposits | 71.4045% | 3,526 |
| Net loans and leases to core deposits | 71.8732% | 4,172 |
| Total domestic deposits to total assets | 67.4526% | 7,067 |
| Equity capital to assets | 21.4373% | 163 |
| Core capital (leverage) ratio | 23.1968% | 113 |
| Tier 1 risk-based capital ratio | 36.8663% | 292 |
| Total risk-based capital ratio | 38.1347% | 287 |
| Memoranda: | ||
| Average total assets | $173,691,500 | 3,474 |
| Average earning assets | $163,290,000 | 3,385 |
| Average equity | $38,336,000 | 1,810 |
| Average total loans | $96,224,500 | 3,681 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 6,765 |
| Cost of funding earning assets | 0.6789% | 5,666 |
| Net interest margin | 3.0839% | 6,376 |
| Noninterest income to average assets | 0.2287% | 5,896 |
| Noninterest expense to average assets | 3.5270% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.2489% | 6,297 |
| Return on assets (ROA) | -0.1986% | 6,323 |
| Pretax return on assets | -0.3100% | 6,357 |
| Return on Equity (ROE) | -0.9807% | 6,242 |
| Retained earnings to average equity (ytd only) | -0.9807% | 6,003 |
| Net charge-offs to loans | 1.6324% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -0.3776% | 6,038 |
| Efficiency ratio | 112.3843% | 392 |
| Assets per employee ($millions) | 5.6230% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7517% | 1,032 |
| Loan loss allowance to noncurrent loans | 26.0969% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 6.4716% | 729 |
| Noncurrent loans to loans | 10.5442% | 285 |
| Net loans and leases to total assets | 59.6876% | 4,046 |
| Net loans and leases to deposits | 92.9988% | 884 |
| Net loans and leases to core deposits | 93.8982% | 1,710 |
| Total domestic deposits to total assets | 64.1810% | 7,173 |
| Equity capital to assets | 22.7429% | 138 |
| Core capital (leverage) ratio | 22.1643% | 137 |
| Tier 1 risk-based capital ratio | 32.4421% | 410 |
| Total risk-based capital ratio | 33.7063% | 400 |
| Memoranda: | ||
| Average total assets | $189,366,200 | 3,191 |
| Average earning assets | $178,667,400 | 3,108 |
| Average equity | $38,338,600 | 1,757 |
| Average total loans | $119,395,000 | 3,184 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 6,928 |
| Cost of funding earning assets | 0.6780% | 5,890 |
| Net interest margin | 3.0326% | 6,517 |
| Noninterest income to average assets | 0.2303% | 5,971 |
| Noninterest expense to average assets | 3.3748% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2393% | 6,429 |
| Return on assets (ROA) | -0.1515% | 6,410 |
| Pretax return on assets | -0.1761% | 6,392 |
| Return on Equity (ROE) | -0.7687% | 6,348 |
| Retained earnings to average equity (ytd only) | -0.7687% | 6,113 |
| Net charge-offs to loans | 0.1848% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -2.3743% | 6,041 |
| Efficiency ratio | 108.9863% | 449 |
| Assets per employee ($millions) | 6.2925% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0629% | 373 |
| Loan loss allowance to noncurrent loans | 38.8464% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 6.1061% | 868 |
| Noncurrent loans to loans | 10.4589% | 323 |
| Net loans and leases to total assets | 56.0103% | 4,841 |
| Net loans and leases to deposits | 81.8631% | 2,386 |
| Net loans and leases to core deposits | 82.5036% | 3,254 |
| Total domestic deposits to total assets | 68.4194% | 7,120 |
| Equity capital to assets | 19.6739% | 263 |
| Core capital (leverage) ratio | 20.3293% | 204 |
| Tier 1 risk-based capital ratio | 30.3887% | 516 |
| Total risk-based capital ratio | 31.6688% | 505 |
| Memoranda: | ||
| Average total assets | $194,535,250 | 3,139 |
| Average earning assets | $183,863,750 | 3,052 |
| Average equity | $38,332,000 | 1,757 |
| Average total loans | $123,359,750 | 3,140 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 6,899 |
| Cost of funding earning assets | 0.6909% | 6,016 |
| Net interest margin | 3.1302% | 6,337 |
| Noninterest income to average assets | 0.2305% | 6,006 |
| Noninterest expense to average assets | 3.4297% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2387% | 6,506 |
| Return on assets (ROA) | -0.1410% | 6,449 |
| Pretax return on assets | -0.1410% | 6,403 |
| Return on Equity (ROE) | -0.7151% | 6,373 |
| Retained earnings to average equity (ytd only) | -0.7151% | 6,000 |
| Net charge-offs to loans | 0.2735% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.3410% | 5,670 |
| Efficiency ratio | 107.4815% | 526 |
| Assets per employee ($millions) | 6.1341% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8921% | 447 |
| Loan loss allowance to noncurrent loans | 42.1604% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 5.7689% | 996 |
| Noncurrent loans to loans | 9.2318% | 445 |
| Net loans and leases to total assets | 60.0577% | 4,261 |
| Net loans and leases to deposits | 88.7518% | 1,400 |
| Net loans and leases to core deposits | 89.7012% | 2,416 |
| Total domestic deposits to total assets | 67.6693% | 7,208 |
| Equity capital to assets | 20.2401% | 246 |
| Core capital (leverage) ratio | 20.6902% | 194 |
| Tier 1 risk-based capital ratio | 29.1263% | 588 |
| Total risk-based capital ratio | 30.4043% | 574 |
| Memoranda: | ||
| Average total assets | $194,358,330 | 3,162 |
| Average earning assets | $183,824,330 | 3,076 |
| Average equity | $38,317,000 | 1,751 |
| Average total loans | $126,518,330 | 3,097 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 6,868 |
| Cost of funding earning assets | 0.7129% | 6,060 |
| Net interest margin | 3.1521% | 6,215 |
| Noninterest income to average assets | 0.2240% | 6,125 |
| Noninterest expense to average assets | 3.4063% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1934% | 6,555 |
| Return on assets (ROA) | -0.1934% | 6,572 |
| Pretax return on assets | -0.1934% | 6,535 |
| Return on Equity (ROE) | -0.9939% | 6,485 |
| Retained earnings to average equity (ytd only) | -0.9939% | 5,986 |
| Net charge-offs to loans | -0.0031% | 6,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0203% | 575 |
| Assets per employee ($millions) | 6.0882% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8856% | 455 |
| Loan loss allowance to noncurrent loans | 32.1178% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 7.9186% | 607 |
| Noncurrent loans to loans | 12.0979% | 270 |
| Net loans and leases to total assets | 62.9108% | 3,682 |
| Net loans and leases to deposits | 93.8282% | 849 |
| Net loans and leases to core deposits | 94.8476% | 1,785 |
| Total domestic deposits to total assets | 67.0489% | 7,299 |
| Equity capital to assets | 20.2046% | 249 |
| Core capital (leverage) ratio | 19.8668% | 238 |
| Tier 1 risk-based capital ratio | 27.3305% | 679 |
| Total risk-based capital ratio | 28.6074% | 661 |
| Memoranda: | ||
| Average total assets | $196,459,000 | 3,164 |
| Average earning assets | $186,289,500 | 3,061 |
| Average equity | $38,231,500 | 1,743 |
| Average total loans | $130,363,000 | 3,058 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 7,155 |
| Cost of funding earning assets | 0.6456% | 7,015 |
| Net interest margin | 3.3293% | 5,875 |
| Noninterest income to average assets | -0.7179% | 7,593 |
| Noninterest expense to average assets | 3.2554% | 2,893 |
| Loan and lease loss provision to assets | 3.5403% | 218 |
| Net operating income to assets | -5.4412% | 7,565 |
| Return on assets (ROA) | -5.2215% | 7,558 |
| Pretax return on assets | -4.2263% | 7,469 |
| Return on Equity (ROE) | -24.2757% | 7,115 |
| Retained earnings to average equity (ytd only) | -24.2757% | 7,094 |
| Net charge-offs to loans | 4.5703% | 234 |
| Credit loss provision to net charge-offs | 113.6757% | 3,827 |
| Earnings coverage of net charge-offs (x) | -0.2908% | 6,353 |
| Efficiency ratio | 138.5468% | 266 |
| Assets per employee ($millions) | 6.5866% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4973% | 598 |
| Loan loss allowance to noncurrent loans | 26.0931% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 9.0056% | 503 |
| Noncurrent loans to loans | 13.4031% | 214 |
| Net loans and leases to total assets | 64.8405% | 3,702 |
| Net loans and leases to deposits | 92.6869% | 1,174 |
| Net loans and leases to core deposits | 96.8274% | 1,912 |
| Total domestic deposits to total assets | 69.9565% | 7,237 |
| Equity capital to assets | 18.7723% | 325 |
| Core capital (leverage) ratio | 19.6675% | 246 |
| Tier 1 risk-based capital ratio | 25.5018% | 802 |
| Total risk-based capital ratio | 26.7755% | 773 |
| Memoranda: | ||
| Average total assets | $222,580,600 | 2,835 |
| Average earning assets | $205,090,800 | 2,806 |
| Average equity | $47,875,000 | 1,400 |
| Average total loans | $151,674,800 | 2,742 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 7,203 |
| Cost of funding earning assets | 0.6517% | 7,178 |
| Net interest margin | 3.4443% | 5,515 |
| Noninterest income to average assets | 0.2224% | 6,316 |
| Noninterest expense to average assets | 3.0947% | 3,361 |
| Loan and lease loss provision to assets | 0.5341% | 2,802 |
| Net operating income to assets | -0.1667% | 6,272 |
| Return on assets (ROA) | 0.0170% | 6,085 |
| Pretax return on assets | 0.0288% | 6,047 |
| Return on Equity (ROE) | 0.0769% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.0769% | 5,747 |
| Net charge-offs to loans | 0.8611% | 2,290 |
| Credit loss provision to net charge-offs | 90.7278% | 4,736 |
| Earnings coverage of net charge-offs (x) | 0.4686% | 5,555 |
| Efficiency ratio | 91.8161% | 1,138 |
| Assets per employee ($millions) | 6.0763% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6169% | 1,183 |
| Loan loss allowance to noncurrent loans | 15.3604% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 15.3233% | 144 |
| Noncurrent loans to loans | 17.0365% | 120 |
| Net loans and leases to total assets | 71.9037% | 2,270 |
| Net loans and leases to deposits | 115.6552% | 163 |
| Net loans and leases to core deposits | 129.7189% | 380 |
| Total domestic deposits to total assets | 62.1707% | 7,553 |
| Equity capital to assets | 25.8334% | 127 |
| Core capital (leverage) ratio | 23.3016% | 147 |
| Tier 1 risk-based capital ratio | 28.0206% | 625 |
| Total risk-based capital ratio | 29.2827% | 605 |
| Memoranda: | ||
| Average total assets | $227,179,750 | 2,825 |
| Average earning assets | $207,642,250 | 2,816 |
| Average equity | $50,261,250 | 1,335 |
| Average total loans | $155,295,500 | 2,722 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 7,393 |
| Cost of funding earning assets | 0.5998% | 7,409 |
| Net interest margin | 3.3613% | 5,790 |
| Noninterest income to average assets | 0.1924% | 6,520 |
| Noninterest expense to average assets | 3.2777% | 2,633 |
| Loan and lease loss provision to assets | 0.7644% | 1,879 |
| Net operating income to assets | -0.4670% | 6,617 |
| Return on assets (ROA) | -0.2041% | 6,407 |
| Pretax return on assets | -0.3461% | 6,467 |
| Return on Equity (ROE) | -0.9668% | 6,309 |
| Retained earnings to average equity (ytd only) | -0.9668% | 5,960 |
| Net charge-offs to loans | 0.8831% | 2,070 |
| Credit loss provision to net charge-offs | 129.4452% | 3,110 |
| Earnings coverage of net charge-offs (x) | 0.0128% | 5,704 |
| Efficiency ratio | 99.7699% | 809 |
| Assets per employee ($millions) | 7.0754% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6650% | 1,126 |
| Loan loss allowance to noncurrent loans | 14.8914% | 7,149 |
| Noncurrent assets plus other real estate owned to assets | 14.8539% | 152 |
| Noncurrent loans to loans | 17.8966% | 110 |
| Net loans and leases to total assets | 67.5553% | 3,484 |
| Net loans and leases to deposits | 101.5530% | 619 |
| Net loans and leases to core deposits | 112.7631% | 989 |
| Total domestic deposits to total assets | 66.5221% | 7,506 |
| Equity capital to assets | 22.7728% | 175 |
| Core capital (leverage) ratio | 22.1005% | 174 |
| Tier 1 risk-based capital ratio | 27.1183% | 689 |
| Total risk-based capital ratio | 28.3814% | 677 |
| Memoranda: | ||
| Average total assets | $238,092,330 | 2,725 |
| Average earning assets | $219,084,330 | 2,697 |
| Average equity | $50,271,330 | 1,328 |
| Average total loans | $159,204,670 | 2,706 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 7,496 |
| Cost of funding earning assets | 0.5540% | 7,597 |
| Net interest margin | 3.3939% | 5,605 |
| Noninterest income to average assets | 0.1875% | 6,616 |
| Noninterest expense to average assets | 3.1551% | 3,031 |
| Loan and lease loss provision to assets | 0.2328% | 4,176 |
| Net operating income to assets | -0.0451% | 6,368 |
| Return on assets (ROA) | 0.0614% | 6,235 |
| Pretax return on assets | 0.1051% | 6,120 |
| Return on Equity (ROE) | 0.3014% | 6,329 |
| Retained earnings to average equity (ytd only) | 0.3014% | 5,710 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8494% | 1,089 |
| Assets per employee ($millions) | 7.2598% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4599% | 1,348 |
| Loan loss allowance to noncurrent loans | 20.6163% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 10.3137% | 372 |
| Noncurrent loans to loans | 11.9318% | 295 |
| Net loans and leases to total assets | 66.1048% | 3,826 |
| Net loans and leases to deposits | 96.7234% | 1,023 |
| Net loans and leases to core deposits | 153.4117% | 221 |
| Total domestic deposits to total assets | 68.3442% | 7,513 |
| Equity capital to assets | 21.0666% | 241 |
| Core capital (leverage) ratio | 19.9542% | 253 |
| Tier 1 risk-based capital ratio | 25.4166% | 821 |
| Total risk-based capital ratio | 26.6776% | 802 |
| Memoranda: | ||
| Average total assets | $247,470,500 | 2,682 |
| Average earning assets | $228,881,500 | 2,649 |
| Average equity | $50,432,500 | 1,323 |
| Average total loans | $162,692,000 | 2,728 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 7,373 |
| Cost of funding earning assets | 0.7800% | 7,583 |
| Net interest margin | 3.7297% | 4,000 |
| Noninterest income to average assets | 0.2205% | 6,536 |
| Noninterest expense to average assets | 4.6340% | 693 |
| Loan and lease loss provision to assets | 0.4817% | 3,956 |
| Net operating income to assets | -0.8419% | 6,465 |
| Return on assets (ROA) | -0.6678% | 6,332 |
| Pretax return on assets | -1.1315% | 6,493 |
| Return on Equity (ROE) | -3.2135% | 6,018 |
| Retained earnings to average equity (ytd only) | -3.2135% | 5,740 |
| Net charge-offs to loans | 0.8189% | 2,783 |
| Credit loss provision to net charge-offs | 88.1406% | 6,059 |
| Earnings coverage of net charge-offs (x) | -1.6867% | 6,979 |
| Efficiency ratio | 124.8329% | 532 |
| Assets per employee ($millions) | 7.5108% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3617% | 1,399 |
| Loan loss allowance to noncurrent loans | 32.4730% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 6.7323% | 773 |
| Noncurrent loans to loans | 7.2727% | 740 |
| Net loans and leases to total assets | 62.3299% | 4,923 |
| Net loans and leases to deposits | 88.7517% | 2,433 |
| Net loans and leases to core deposits | 121.3935% | 1,844 |
| Total domestic deposits to total assets | 70.2295% | 7,406 |
| Equity capital to assets | 19.7343% | 317 |
| Core capital (leverage) ratio | 18.9191% | 342 |
| Tier 1 risk-based capital ratio | 25.1355% | 830 |
| Total risk-based capital ratio | 26.3951% | 808 |
| Memoranda: | ||
| Average total assets | $249,933,600 | 2,610 |
| Average earning assets | $233,988,800 | 2,564 |
| Average equity | $51,936,600 | 1,287 |
| Average total loans | $166,806,600 | 2,667 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 7,461 |
| Cost of funding earning assets | 0.8110% | 7,676 |
| Net interest margin | 3.7340% | 3,934 |
| Noninterest income to average assets | 0.2108% | 6,720 |
| Noninterest expense to average assets | 3.2708% | 3,026 |
| Loan and lease loss provision to assets | 0.2001% | 5,386 |
| Net operating income to assets | 0.1387% | 5,357 |
| Return on assets (ROA) | 0.1926% | 5,261 |
| Pretax return on assets | 0.3261% | 4,990 |
| Return on Equity (ROE) | 0.9148% | 5,522 |
| Retained earnings to average equity (ytd only) | 0.9148% | 4,797 |
| Net charge-offs to loans | 0.8083% | 2,346 |
| Credit loss provision to net charge-offs | 36.6765% | 6,457 |
| Earnings coverage of net charge-offs (x) | 0.8102% | 5,241 |
| Efficiency ratio | 88.0959% | 1,866 |
| Assets per employee ($millions) | 7.5998% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 1,796 |
| Loan loss allowance to noncurrent loans | 51.9278% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 5.8763% | 933 |
| Noncurrent loans to loans | 3.8554% | 1,923 |
| Net loans and leases to total assets | 63.7841% | 4,909 |
| Net loans and leases to deposits | 92.0198% | 2,226 |
| Net loans and leases to core deposits | 125.5106% | 1,773 |
| Total domestic deposits to total assets | 69.3156% | 7,470 |
| Equity capital to assets | 20.4194% | 312 |
| Core capital (leverage) ratio | 20.2932% | 297 |
| Tier 1 risk-based capital ratio | 25.1125% | 887 |
| Total risk-based capital ratio | 26.3678% | 862 |
| Memoranda: | ||
| Average total assets | $248,575,250 | 2,638 |
| Average earning assets | $233,133,250 | 2,584 |
| Average equity | $52,322,000 | 1,286 |
| Average total loans | $167,753,250 | 2,679 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 7,575 |
| Cost of funding earning assets | 0.8592% | 7,744 |
| Net interest margin | 3.6984% | 3,953 |
| Noninterest income to average assets | 0.1940% | 6,904 |
| Noninterest expense to average assets | 3.3216% | 2,878 |
| Loan and lease loss provision to assets | 0.3041% | 4,130 |
| Net operating income to assets | 0.0290% | 5,761 |
| Return on assets (ROA) | 0.1109% | 5,632 |
| Pretax return on assets | 0.1883% | 5,498 |
| Return on Equity (ROE) | 0.5213% | 5,781 |
| Retained earnings to average equity (ytd only) | 0.5213% | 4,993 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1128% | 1,793 |
| Assets per employee ($millions) | 7.3341% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5370% | 869 |
| Loan loss allowance to noncurrent loans | 38.0510% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 4.7615% | 1,157 |
| Noncurrent loans to loans | 6.6673% | 772 |
| Net loans and leases to total assets | 69.6038% | 3,792 |
| Net loans and leases to deposits | 103.2997% | 962 |
| Net loans and leases to core deposits | 145.9269% | 761 |
| Total domestic deposits to total assets | 67.3805% | 7,657 |
| Equity capital to assets | 21.6115% | 297 |
| Core capital (leverage) ratio | 21.1692% | 310 |
| Tier 1 risk-based capital ratio | 25.5860% | 891 |
| Total risk-based capital ratio | 26.8485% | 871 |
| Memoranda: | ||
| Average total assets | $245,303,000 | 2,694 |
| Average earning assets | $231,614,670 | 2,615 |
| Average equity | $52,175,330 | 1,302 |
| Average total loans | $167,611,000 | 2,710 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 7,645 |
| Cost of funding earning assets | 0.9573% | 7,742 |
| Net interest margin | 3.6148% | 4,259 |
| Noninterest income to average assets | 0.2041% | 6,830 |
| Noninterest expense to average assets | 2.9869% | 3,824 |
| Loan and lease loss provision to assets | 0.6042% | 2,088 |
| Net operating income to assets | 0.0025% | 6,244 |
| Return on assets (ROA) | 0.1652% | 5,937 |
| Pretax return on assets | 0.2802% | 5,729 |
| Return on Equity (ROE) | 0.7830% | 6,193 |
| Retained earnings to average equity (ytd only) | 0.7830% | 5,346 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5795% | 2,469 |
| Assets per employee ($millions) | 7.3116% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6154% | 676 |
| Loan loss allowance to noncurrent loans | 53.3196% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 3.4084% | 1,590 |
| Noncurrent loans to loans | 4.9052% | 1,113 |
| Net loans and leases to total assets | 67.6695% | 4,211 |
| Net loans and leases to deposits | 100.5289% | 1,338 |
| Net loans and leases to core deposits | 142.6157% | 982 |
| Total domestic deposits to total assets | 67.3135% | 7,651 |
| Equity capital to assets | 21.6178% | 326 |
| Core capital (leverage) ratio | 20.2428% | 386 |
| Tier 1 risk-based capital ratio | 25.4658% | 936 |
| Total risk-based capital ratio | 26.7282% | 910 |
| Memoranda: | ||
| Average total assets | $246,942,500 | 2,684 |
| Average earning assets | $233,154,500 | 2,607 |
| Average equity | $52,110,500 | 1,312 |
| Average total loans | $164,995,000 | 2,769 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 7,434 |
| Cost of funding earning assets | 1.3899% | 7,750 |
| Net interest margin | 4.0314% | 2,972 |
| Noninterest income to average assets | 0.1899% | 7,093 |
| Noninterest expense to average assets | 2.9354% | 4,319 |
| Loan and lease loss provision to assets | 1.0286% | 1,425 |
| Net operating income to assets | 0.0464% | 6,243 |
| Return on assets (ROA) | 0.1896% | 5,702 |
| Pretax return on assets | 0.2672% | 5,584 |
| Return on Equity (ROE) | 0.9394% | 5,936 |
| Retained earnings to average equity (ytd only) | 0.9394% | 4,665 |
| Net charge-offs to loans | 0.0023% | 6,990 |
| Credit loss provision to net charge-offs | 88,266.6667% | 2 |
| Earnings coverage of net charge-offs (x) | 939.0000% | 51 |
| Efficiency ratio | 72.8456% | 3,782 |
| Assets per employee ($millions) | 7.6546% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4715% | 703 |
| Loan loss allowance to noncurrent loans | 221.4128% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 5,073 |
| Noncurrent loans to loans | 1.1162% | 4,316 |
| Net loans and leases to total assets | 62.6749% | 5,516 |
| Net loans and leases to deposits | 91.7434% | 3,183 |
| Net loans and leases to core deposits | 126.9235% | 2,089 |
| Total domestic deposits to total assets | 68.3154% | 7,438 |
| Equity capital to assets | 20.6099% | 431 |
| Core capital (leverage) ratio | 20.4456% | 410 |
| Tier 1 risk-based capital ratio | 25.7309% | 926 |
| Total risk-based capital ratio | 26.9911% | 900 |
| Memoranda: | ||
| Average total assets | $257,446,600 | 2,488 |
| Average earning assets | $245,202,000 | 2,407 |
| Average equity | $51,949,800 | 1,297 |
| Average total loans | $130,271,800 | 3,267 |