Home > Pascack Community Bank > Performance and Condition Ratios
Pascack Community 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 | 4.6735% | 1,170 |
| Cost of funding earning assets | 0.8184% | 444 |
| Net interest margin | 3.8551% | 2,181 |
| Noninterest income to average assets | 0.0601% | 5,981 |
| Noninterest expense to average assets | 2.8936% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3680% | 5,150 |
| Return on assets (ROA) | 0.3680% | 5,235 |
| Pretax return on assets | 0.6571% | 4,656 |
| Return on Equity (ROE) | 3.8923% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.8923% | 3,265 |
| Net charge-offs to loans | 0.1020% | 2,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.7584% | 3,043 |
| Efficiency ratio | 81.4939% | 1,475 |
| Assets per employee ($millions) | 8.1409% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,904 |
| Loan loss allowance to noncurrent loans | 168.2623% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 3,159 |
| Noncurrent loans to loans | 0.7722% | 2,863 |
| Net loans and leases to total assets | 81.3181% | 663 |
| Net loans and leases to deposits | 106.8747% | 333 |
| Net loans and leases to core deposits | 113.6866% | 696 |
| Total domestic deposits to total assets | 76.0874% | 5,434 |
| Equity capital to assets | 9.2076% | 4,895 |
| Core capital (leverage) ratio | 9.0679% | 4,798 |
| Tier 1 risk-based capital ratio | 10.5293% | 5,763 |
| Total risk-based capital ratio | 11.7535% | 5,693 |
| Memoranda: | ||
| Average total assets | $386,100,000 | 1,702 |
| Average earning assets | $349,589,200 | 1,733 |
| Average equity | $36,507,600 | 1,955 |
| Average total loans | $320,693,600 | 1,385 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 1,069 |
| Cost of funding earning assets | 0.8012% | 493 |
| Net interest margin | 3.9151% | 1,983 |
| Noninterest income to average assets | 0.0572% | 6,074 |
| Noninterest expense to average assets | 2.7294% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5209% | 4,722 |
| Return on assets (ROA) | 0.5209% | 4,807 |
| Pretax return on assets | 0.8704% | 4,091 |
| Return on Equity (ROE) | 5.4730% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.4730% | 2,592 |
| Net charge-offs to loans | 0.1203% | 1,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.6956% | 2,778 |
| Efficiency ratio | 75.8203% | 2,273 |
| Assets per employee ($millions) | 7.0773% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 3,057 |
| Loan loss allowance to noncurrent loans | 166.7720% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 3,307 |
| Noncurrent loans to loans | 0.7828% | 3,005 |
| Net loans and leases to total assets | 81.9789% | 579 |
| Net loans and leases to deposits | 108.4776% | 291 |
| Net loans and leases to core deposits | 117.4573% | 544 |
| Total domestic deposits to total assets | 75.5722% | 5,558 |
| Equity capital to assets | 9.5623% | 4,678 |
| Core capital (leverage) ratio | 9.3742% | 4,475 |
| Tier 1 risk-based capital ratio | 10.6584% | 5,821 |
| Total risk-based capital ratio | 11.8671% | 5,759 |
| Memoranda: | ||
| Average total assets | $384,934,000 | 1,720 |
| Average earning assets | $348,318,000 | 1,756 |
| Average equity | $36,639,500 | 1,962 |
| Average total loans | $320,380,750 | 1,392 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 1,094 |
| Cost of funding earning assets | 0.7698% | 590 |
| Net interest margin | 3.9186% | 1,914 |
| Noninterest income to average assets | 0.0793% | 6,092 |
| Noninterest expense to average assets | 2.6394% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5872% | 4,407 |
| Return on assets (ROA) | 0.5872% | 4,503 |
| Pretax return on assets | 0.9815% | 3,658 |
| Return on Equity (ROE) | 6.1791% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.1791% | 2,130 |
| Net charge-offs to loans | 0.0701% | 2,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.8036% | 1,887 |
| Efficiency ratio | 72.8936% | 2,857 |
| Assets per employee ($millions) | 7.5984% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 3,148 |
| Loan loss allowance to noncurrent loans | 140.4215% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 3,057 |
| Noncurrent loans to loans | 0.9378% | 2,782 |
| Net loans and leases to total assets | 81.8354% | 570 |
| Net loans and leases to deposits | 108.1197% | 302 |
| Net loans and leases to core deposits | 116.5158% | 575 |
| Total domestic deposits to total assets | 75.6896% | 5,634 |
| Equity capital to assets | 9.1965% | 5,019 |
| Core capital (leverage) ratio | 9.2888% | 4,569 |
| Tier 1 risk-based capital ratio | 10.7507% | 5,824 |
| Total risk-based capital ratio | 12.0012% | 5,762 |
| Memoranda: | ||
| Average total assets | $383,495,670 | 1,736 |
| Average earning assets | $346,599,000 | 1,767 |
| Average equity | $36,445,670 | 1,974 |
| Average total loans | $319,400,000 | 1,404 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 1,007 |
| Cost of funding earning assets | 0.7400% | 696 |
| Net interest margin | 3.9765% | 1,636 |
| Noninterest income to average assets | 0.0802% | 6,148 |
| Noninterest expense to average assets | 2.6992% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5788% | 4,366 |
| Return on assets (ROA) | 0.5788% | 4,470 |
| Pretax return on assets | 0.9682% | 3,613 |
| Return on Equity (ROE) | 5.9861% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.9861% | 2,512 |
| Net charge-offs to loans | -0.0231% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5998% | 2,880 |
| Assets per employee ($millions) | 7.1607% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 3,023 |
| Loan loss allowance to noncurrent loans | 224.1584% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 3,970 |
| Noncurrent loans to loans | 0.6151% | 3,730 |
| Net loans and leases to total assets | 82.2411% | 438 |
| Net loans and leases to deposits | 107.3188% | 274 |
| Net loans and leases to core deposits | 115.1907% | 542 |
| Total domestic deposits to total assets | 76.6324% | 5,675 |
| Equity capital to assets | 9.2509% | 5,026 |
| Core capital (leverage) ratio | 9.8099% | 3,873 |
| Tier 1 risk-based capital ratio | 10.8476% | 5,879 |
| Total risk-based capital ratio | 12.0987% | 5,803 |
| Memoranda: | ||
| Average total assets | $373,885,000 | 1,788 |
| Average earning assets | $337,280,500 | 1,823 |
| Average equity | $36,150,500 | 2,001 |
| Average total loans | $312,118,500 | 1,430 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 574 |
| Cost of funding earning assets | 0.7150% | 1,030 |
| Net interest margin | 4.4344% | 842 |
| Noninterest income to average assets | 0.0812% | 6,218 |
| Noninterest expense to average assets | 2.8302% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7367% | 3,701 |
| Return on assets (ROA) | 0.7367% | 3,807 |
| Pretax return on assets | 1.1813% | 2,728 |
| Return on Equity (ROE) | 7.5459% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.5459% | 1,180 |
| Net charge-offs to loans | 0.1896% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.7892% | 2,975 |
| Efficiency ratio | 70.5518% | 3,449 |
| Assets per employee ($millions) | 6.3202% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 2,365 |
| Loan loss allowance to noncurrent loans | 190.2151% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 3,566 |
| Noncurrent loans to loans | 0.8015% | 3,304 |
| Net loans and leases to total assets | 82.3046% | 490 |
| Net loans and leases to deposits | 99.6521% | 642 |
| Net loans and leases to core deposits | 107.4563% | 932 |
| Total domestic deposits to total assets | 82.5920% | 4,221 |
| Equity capital to assets | 10.1340% | 3,943 |
| Core capital (leverage) ratio | 10.0779% | 3,465 |
| Tier 1 risk-based capital ratio | 11.5678% | 5,623 |
| Total risk-based capital ratio | 12.8201% | 5,532 |
| Memoranda: | ||
| Average total assets | $365,949,600 | 1,778 |
| Average earning assets | $324,348,600 | 1,848 |
| Average equity | $35,727,800 | 1,961 |
| Average total loans | $292,761,800 | 1,460 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2306% | 488 |
| Cost of funding earning assets | 0.7151% | 1,078 |
| Net interest margin | 4.5155% | 715 |
| Noninterest income to average assets | 0.0791% | 6,307 |
| Noninterest expense to average assets | 2.7703% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7975% | 3,438 |
| Return on assets (ROA) | 0.7975% | 3,537 |
| Pretax return on assets | 1.2973% | 2,383 |
| Return on Equity (ROE) | 8.2442% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.2442% | 1,246 |
| Net charge-offs to loans | 0.0411% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 39.8879% | 1,135 |
| Efficiency ratio | 68.1059% | 3,835 |
| Assets per employee ($millions) | 6.3303% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 1,715 |
| Loan loss allowance to noncurrent loans | 190.5400% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 3,601 |
| Noncurrent loans to loans | 0.9396% | 3,214 |
| Net loans and leases to total assets | 76.9875% | 1,092 |
| Net loans and leases to deposits | 93.0242% | 1,130 |
| Net loans and leases to core deposits | 99.5020% | 1,414 |
| Total domestic deposits to total assets | 82.7607% | 4,218 |
| Equity capital to assets | 9.9078% | 4,287 |
| Core capital (leverage) ratio | 9.6476% | 4,157 |
| Tier 1 risk-based capital ratio | 11.8089% | 5,606 |
| Total risk-based capital ratio | 13.0640% | 5,522 |
| Memoranda: | ||
| Average total assets | $368,954,750 | 1,776 |
| Average earning assets | $325,892,000 | 1,853 |
| Average equity | $35,693,000 | 1,971 |
| Average total loans | $291,999,750 | 1,474 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 422 |
| Cost of funding earning assets | 0.7242% | 1,055 |
| Net interest margin | 4.5973% | 587 |
| Noninterest income to average assets | 0.0717% | 6,373 |
| Noninterest expense to average assets | 2.8440% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7802% | 3,423 |
| Return on assets (ROA) | 0.7802% | 3,527 |
| Pretax return on assets | 1.2698% | 2,370 |
| Return on Equity (ROE) | 8.1264% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.1264% | 1,283 |
| Net charge-offs to loans | 0.1045% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.3097% | 1,859 |
| Efficiency ratio | 69.1337% | 3,815 |
| Assets per employee ($millions) | 6.6944% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,067 |
| Loan loss allowance to noncurrent loans | 247.4798% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 4,415 |
| Noncurrent loans to loans | 0.6961% | 3,975 |
| Net loans and leases to total assets | 74.7166% | 1,349 |
| Net loans and leases to deposits | 89.5980% | 1,409 |
| Net loans and leases to core deposits | 93.8825% | 1,787 |
| Total domestic deposits to total assets | 83.3910% | 4,159 |
| Equity capital to assets | 9.6971% | 4,495 |
| Core capital (leverage) ratio | 9.7482% | 3,967 |
| Tier 1 risk-based capital ratio | 11.7516% | 5,665 |
| Total risk-based capital ratio | 13.0058% | 5,603 |
| Memoranda: | ||
| Average total assets | $373,773,330 | 1,755 |
| Average earning assets | $328,625,000 | 1,831 |
| Average equity | $35,883,000 | 1,954 |
| Average total loans | $296,701,330 | 1,449 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2041% | 480 |
| Cost of funding earning assets | 0.7146% | 1,160 |
| Net interest margin | 4.4895% | 672 |
| Noninterest income to average assets | 0.0664% | 6,437 |
| Noninterest expense to average assets | 2.9677% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6334% | 4,033 |
| Return on assets (ROA) | 0.6334% | 4,119 |
| Pretax return on assets | 1.0310% | 3,204 |
| Return on Equity (ROE) | 6.6315% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.6315% | 2,218 |
| Net charge-offs to loans | 0.0569% | 2,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 22.3721% | 1,256 |
| Efficiency ratio | 74.2160% | 3,088 |
| Assets per employee ($millions) | 7.0025% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 2,403 |
| Loan loss allowance to noncurrent loans | 170.4684% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 3,758 |
| Noncurrent loans to loans | 0.9885% | 3,443 |
| Net loans and leases to total assets | 78.9471% | 663 |
| Net loans and leases to deposits | 95.8678% | 663 |
| Net loans and leases to core deposits | 100.2199% | 1,088 |
| Total domestic deposits to total assets | 82.3499% | 4,835 |
| Equity capital to assets | 9.5557% | 4,418 |
| Core capital (leverage) ratio | 9.6065% | 4,123 |
| Tier 1 risk-based capital ratio | 11.1308% | 6,109 |
| Total risk-based capital ratio | 12.3847% | 6,055 |
| Memoranda: | ||
| Average total assets | $373,216,500 | 1,763 |
| Average earning assets | $326,896,500 | 1,843 |
| Average equity | $35,648,000 | 1,959 |
| Average total loans | $302,545,500 | 1,427 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5984% | 313 |
| Cost of funding earning assets | 0.8763% | 836 |
| Net interest margin | 4.7221% | 494 |
| Noninterest income to average assets | 0.1079% | 6,363 |
| Noninterest expense to average assets | 2.9794% | 3,115 |
| Loan and lease loss provision to assets | 0.1735% | 2,132 |
| Net operating income to assets | 0.7132% | 3,733 |
| Return on assets (ROA) | 0.6748% | 4,011 |
| Pretax return on assets | 1.1125% | 2,910 |
| Return on Equity (ROE) | 7.9600% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.9600% | 1,066 |
| Net charge-offs to loans | 0.0087% | 5,280 |
| Credit loss provision to net charge-offs | 2,407.1429% | 97 |
| Earnings coverage of net charge-offs (x) | 186.7143% | 244 |
| Efficiency ratio | 68.8810% | 4,039 |
| Assets per employee ($millions) | 6.3611% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 2,570 |
| Loan loss allowance to noncurrent loans | 186.2817% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 4,068 |
| Noncurrent loans to loans | 0.8855% | 3,772 |
| Net loans and leases to total assets | 80.4704% | 545 |
| Net loans and leases to deposits | 97.4455% | 628 |
| Net loans and leases to core deposits | 101.9598% | 1,035 |
| Total domestic deposits to total assets | 82.5799% | 4,688 |
| Equity capital to assets | 9.5475% | 4,350 |
| Core capital (leverage) ratio | 9.2512% | 4,630 |
| Tier 1 risk-based capital ratio | 11.1194% | 6,111 |
| Total risk-based capital ratio | 12.3721% | 6,062 |
| Memoranda: | ||
| Average total assets | $388,398,400 | 1,695 |
| Average earning assets | $346,901,600 | 1,727 |
| Average equity | $32,927,000 | 2,087 |
| Average total loans | $322,921,800 | 1,322 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 362 |
| Cost of funding earning assets | 0.9265% | 717 |
| Net interest margin | 4.5932% | 626 |
| Noninterest income to average assets | 0.1123% | 6,442 |
| Noninterest expense to average assets | 2.9459% | 3,150 |
| Loan and lease loss provision to assets | 0.2294% | 1,578 |
| Net operating income to assets | 0.6430% | 4,163 |
| Return on assets (ROA) | 0.6066% | 4,447 |
| Pretax return on assets | 0.9977% | 3,513 |
| Return on Equity (ROE) | 7.3785% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.3785% | 1,693 |
| Net charge-offs to loans | 0.0114% | 4,916 |
| Credit loss provision to net charge-offs | 2,407.1429% | 135 |
| Earnings coverage of net charge-offs (x) | 134.7230% | 402 |
| Efficiency ratio | 69.6443% | 3,813 |
| Assets per employee ($millions) | 6.5415% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,147 |
| Loan loss allowance to noncurrent loans | 250.4946% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 4,930 |
| Noncurrent loans to loans | 0.6265% | 4,634 |
| Net loans and leases to total assets | 79.6132% | 594 |
| Net loans and leases to deposits | 94.8214% | 769 |
| Net loans and leases to core deposits | 98.0222% | 1,243 |
| Total domestic deposits to total assets | 83.9612% | 4,203 |
| Equity capital to assets | 8.7534% | 5,461 |
| Core capital (leverage) ratio | 8.5898% | 5,673 |
| Tier 1 risk-based capital ratio | 10.2040% | 6,538 |
| Total risk-based capital ratio | 11.4596% | 6,505 |
| Memoranda: | ||
| Average total assets | $391,672,500 | 1,694 |
| Average earning assets | $351,120,750 | 1,720 |
| Average equity | $32,200,750 | 2,139 |
| Average total loans | $326,884,250 | 1,305 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6668% | 292 |
| Cost of funding earning assets | 0.9584% | 684 |
| Net interest margin | 4.7084% | 498 |
| Noninterest income to average assets | 0.1279% | 6,415 |
| Noninterest expense to average assets | 2.9901% | 3,030 |
| Loan and lease loss provision to assets | 0.3463% | 966 |
| Net operating income to assets | 0.6150% | 4,218 |
| Return on assets (ROA) | 0.5601% | 4,670 |
| Pretax return on assets | 0.9290% | 3,791 |
| Return on Equity (ROE) | 6.9668% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.9668% | 1,904 |
| Net charge-offs to loans | 0.0146% | 4,556 |
| Credit loss provision to net charge-offs | 2,808.3333% | 120 |
| Earnings coverage of net charge-offs (x) | 110.3750% | 432 |
| Efficiency ratio | 68.7175% | 4,055 |
| Assets per employee ($millions) | 6.5780% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 3,275 |
| Loan loss allowance to noncurrent loans | 363.1089% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 5,455 |
| Noncurrent loans to loans | 0.4322% | 5,179 |
| Net loans and leases to total assets | 77.9517% | 756 |
| Net loans and leases to deposits | 92.1215% | 947 |
| Net loans and leases to core deposits | 94.1059% | 1,511 |
| Total domestic deposits to total assets | 84.6184% | 4,077 |
| Equity capital to assets | 8.3869% | 5,878 |
| Core capital (leverage) ratio | 8.4904% | 5,684 |
| Tier 1 risk-based capital ratio | 10.0341% | 6,627 |
| Total risk-based capital ratio | 11.2870% | 6,604 |
| Memoranda: | ||
| Average total assets | $389,219,000 | 1,702 |
| Average earning assets | $349,124,000 | 1,730 |
| Average equity | $31,291,330 | 2,198 |
| Average total loans | $328,263,000 | 1,296 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6713% | 283 |
| Cost of funding earning assets | 0.9712% | 700 |
| Net interest margin | 4.7001% | 468 |
| Noninterest income to average assets | 0.1811% | 6,180 |
| Noninterest expense to average assets | 3.1892% | 2,380 |
| Loan and lease loss provision to assets | 0.2559% | 1,391 |
| Net operating income to assets | 0.5798% | 4,312 |
| Return on assets (ROA) | 0.5475% | 4,616 |
| Pretax return on assets | 0.9044% | 3,746 |
| Return on Equity (ROE) | 6.9718% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.9718% | 2,164 |
| Net charge-offs to loans | -0.0399% | 6,030 |
| Credit loss provision to net charge-offs | -736.3636% | 5,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4815% | 3,522 |
| Assets per employee ($millions) | 6.2929% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 4,244 |
| Loan loss allowance to noncurrent loans | 303.8835% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 5,385 |
| Noncurrent loans to loans | 0.4600% | 5,271 |
| Net loans and leases to total assets | 86.2762% | 114 |
| Net loans and leases to deposits | 102.1693% | 277 |
| Net loans and leases to core deposits | 104.4939% | 694 |
| Total domestic deposits to total assets | 84.4443% | 4,294 |
| Equity capital to assets | 7.9465% | 6,409 |
| Core capital (leverage) ratio | 8.0128% | 6,129 |
| Tier 1 risk-based capital ratio | 8.8292% | 6,823 |
| Total risk-based capital ratio | 10.0804% | 6,828 |
| Memoranda: | ||
| Average total assets | $379,910,000 | 1,749 |
| Average earning assets | $341,017,500 | 1,771 |
| Average equity | $29,834,500 | 2,309 |
| Average total loans | $330,902,000 | 1,287 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 660 |
| Cost of funding earning assets | 1.1287% | 812 |
| Net interest margin | 4.3424% | 1,302 |
| Noninterest income to average assets | 0.2927% | 5,377 |
| Noninterest expense to average assets | 2.8571% | 3,824 |
| Loan and lease loss provision to assets | 0.7421% | 682 |
| Net operating income to assets | 0.3327% | 5,357 |
| Return on assets (ROA) | 0.3489% | 5,520 |
| Pretax return on assets | 0.6057% | 4,977 |
| Return on Equity (ROE) | 4.5525% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.2050% | 3,968 |
| Net charge-offs to loans | 0.6269% | 1,874 |
| Credit loss provision to net charge-offs | 143.1480% | 1,909 |
| Earnings coverage of net charge-offs (x) | 2.5509% | 4,138 |
| Efficiency ratio | 68.3596% | 4,077 |
| Assets per employee ($millions) | 6.0638% | 1,246 |
| Cash dividends to net income (ytd only)* | 29.5993% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 4,378 |
| Loan loss allowance to noncurrent loans | 223.6336% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 4,628 |
| Noncurrent loans to loans | 0.6063% | 5,003 |
| Net loans and leases to total assets | 85.5171% | 148 |
| Net loans and leases to deposits | 101.1257% | 367 |
| Net loans and leases to core deposits | 103.6317% | 805 |
| Total domestic deposits to total assets | 84.5651% | 4,058 |
| Equity capital to assets | 7.7576% | 6,521 |
| Core capital (leverage) ratio | 8.1196% | 6,070 |
| Tier 1 risk-based capital ratio | 8.7265% | 6,875 |
| Total risk-based capital ratio | 9.9773% | 6,879 |
| Memoranda: | ||
| Average total assets | $350,499,200 | 1,851 |
| Average earning assets | $313,717,800 | 1,890 |
| Average equity | $26,864,600 | 2,493 |
| Average total loans | $289,844,000 | 1,452 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4771% | 718 |
| Cost of funding earning assets | 1.1628% | 824 |
| Net interest margin | 4.3143% | 1,429 |
| Noninterest income to average assets | 0.1945% | 6,136 |
| Noninterest expense to average assets | 2.8054% | 3,963 |
| Loan and lease loss provision to assets | 0.4335% | 1,461 |
| Net operating income to assets | 0.4762% | 4,923 |
| Return on assets (ROA) | 0.4982% | 5,114 |
| Pretax return on assets | 0.8512% | 4,302 |
| Return on Equity (ROE) | 6.5221% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.6862% | 3,600 |
| Net charge-offs to loans | 0.5289% | 2,029 |
| Credit loss provision to net charge-offs | 100.4488% | 2,946 |
| Earnings coverage of net charge-offs (x) | 2.8968% | 3,878 |
| Efficiency ratio | 69.1727% | 3,850 |
| Assets per employee ($millions) | 6.4925% | 957 |
| Cash dividends to net income (ytd only)* | 28.1491% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 5,219 |
| Loan loss allowance to noncurrent loans | 180.1089% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 4,732 |
| Noncurrent loans to loans | 0.6743% | 5,096 |
| Net loans and leases to total assets | 82.9113% | 284 |
| Net loans and leases to deposits | 98.8742% | 502 |
| Net loans and leases to core deposits | 102.4276% | 963 |
| Total domestic deposits to total assets | 83.8553% | 4,294 |
| Equity capital to assets | 7.4371% | 6,783 |
| Core capital (leverage) ratio | 7.5590% | 6,587 |
| Tier 1 risk-based capital ratio | 8.8031% | 6,960 |
| Total risk-based capital ratio | 9.9951% | 6,965 |
| Memoranda: | ||
| Average total assets | $344,135,500 | 1,900 |
| Average earning assets | $307,990,000 | 1,942 |
| Average equity | $26,289,500 | 2,558 |
| Average total loans | $280,824,000 | 1,500 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 821 |
| Cost of funding earning assets | 1.1987% | 830 |
| Net interest margin | 4.2323% | 1,666 |
| Noninterest income to average assets | 0.1866% | 6,233 |
| Noninterest expense to average assets | 2.7344% | 4,270 |
| Loan and lease loss provision to assets | 0.2860% | 2,288 |
| Net operating income to assets | 0.5606% | 4,533 |
| Return on assets (ROA) | 0.5809% | 4,722 |
| Pretax return on assets | 0.9841% | 3,774 |
| Return on Equity (ROE) | 7.5343% | 3,487 |
| Retained earnings to average equity (ytd only) | 5.7022% | 2,879 |
| Net charge-offs to loans | 0.5231% | 2,018 |
| Credit loss provision to net charge-offs | 67.6880% | 3,619 |
| Earnings coverage of net charge-offs (x) | 2.9304% | 3,573 |
| Efficiency ratio | 68.8296% | 3,970 |
| Assets per employee ($millions) | 6.7053% | 851 |
| Cash dividends to net income (ytd only)* | 24.3161% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,390 |
| Loan loss allowance to noncurrent loans | 192.4774% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 4,919 |
| Noncurrent loans to loans | 0.6197% | 5,272 |
| Net loans and leases to total assets | 82.4352% | 309 |
| Net loans and leases to deposits | 99.0638% | 466 |
| Net loans and leases to core deposits | 103.5921% | 887 |
| Total domestic deposits to total assets | 83.2143% | 4,671 |
| Equity capital to assets | 7.7150% | 6,708 |
| Core capital (leverage) ratio | 7.6777% | 6,528 |
| Tier 1 risk-based capital ratio | 9.1982% | 6,956 |
| Total risk-based capital ratio | 10.3717% | 6,971 |
| Memoranda: | ||
| Average total assets | $339,817,670 | 1,915 |
| Average earning assets | $303,996,670 | 1,957 |
| Average equity | $26,200,330 | 2,554 |
| Average total loans | $274,529,670 | 1,527 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 968 |
| Cost of funding earning assets | 1.2208% | 890 |
| Net interest margin | 4.1461% | 1,951 |
| Noninterest income to average assets | 0.1913% | 6,239 |
| Noninterest expense to average assets | 2.6226% | 4,737 |
| Loan and lease loss provision to assets | 0.1240% | 3,791 |
| Net operating income to assets | 0.6943% | 3,916 |
| Return on assets (ROA) | 0.6943% | 4,135 |
| Pretax return on assets | 1.1584% | 3,076 |
| Return on Equity (ROE) | 9.0084% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.1699% | 2,336 |
| Net charge-offs to loans | 0.4622% | 1,936 |
| Credit loss provision to net charge-offs | 33.7621% | 3,558 |
| Earnings coverage of net charge-offs (x) | 3.4920% | 2,822 |
| Efficiency ratio | 67.1606% | 4,327 |
| Assets per employee ($millions) | 6.9056% | 789 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 5,141 |
| Loan loss allowance to noncurrent loans | 199.1289% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 5,089 |
| Noncurrent loans to loans | 0.6393% | 5,362 |
| Net loans and leases to total assets | 77.0165% | 697 |
| Net loans and leases to deposits | 92.2213% | 780 |
| Net loans and leases to core deposits | 96.4390% | 1,261 |
| Total domestic deposits to total assets | 83.5127% | 4,709 |
| Equity capital to assets | 7.6295% | 6,724 |
| Core capital (leverage) ratio | 7.7955% | 6,414 |
| Tier 1 risk-based capital ratio | 9.4845% | 6,969 |
| Total risk-based capital ratio | 10.7191% | 6,964 |
| Memoranda: | ||
| Average total assets | $338,742,000 | 1,933 |
| Average earning assets | $303,414,500 | 1,963 |
| Average equity | $26,109,000 | 2,558 |
| Average total loans | $269,141,500 | 1,559 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6220% | 918 |
| Cost of funding earning assets | 1.3342% | 1,324 |
| Net interest margin | 4.2878% | 1,740 |
| Noninterest income to average assets | 0.0701% | 6,752 |
| Noninterest expense to average assets | 2.6111% | 5,051 |
| Loan and lease loss provision to assets | 0.3052% | 3,227 |
| Net operating income to assets | 0.6320% | 3,820 |
| Return on assets (ROA) | 0.6322% | 4,021 |
| Pretax return on assets | 1.0305% | 3,119 |
| Return on Equity (ROE) | 8.0133% | 2,892 |
| Retained earnings to average equity (ytd only) | 6.0030% | 2,013 |
| Net charge-offs to loans | 0.0795% | 5,528 |
| Credit loss provision to net charge-offs | 475.8621% | 473 |
| Earnings coverage of net charge-offs (x) | 20.8227% | 1,117 |
| Efficiency ratio | 66.1623% | 4,744 |
| Assets per employee ($millions) | 7.2219% | 650 |
| Cash dividends to net income (ytd only)* | 25.0875% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 4,659 |
| Loan loss allowance to noncurrent loans | 283.9844% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 6,012 |
| Noncurrent loans to loans | 0.4760% | 5,756 |
| Net loans and leases to total assets | 79.8595% | 512 |
| Net loans and leases to deposits | 96.1399% | 663 |
| Net loans and leases to core deposits | 100.6178% | 1,123 |
| Total domestic deposits to total assets | 83.0659% | 4,724 |
| Equity capital to assets | 7.7888% | 6,693 |
| Core capital (leverage) ratio | 7.8548% | 6,395 |
| Tier 1 risk-based capital ratio | 9.5595% | 6,952 |
| Total risk-based capital ratio | 10.8142% | 6,943 |
| Memoranda: | ||
| Average total assets | $316,531,600 | 2,028 |
| Average earning assets | $286,161,200 | 2,051 |
| Average equity | $24,971,000 | 2,585 |
| Average total loans | $255,401,200 | 1,648 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6024% | 1,031 |
| Cost of funding earning assets | 1.3379% | 1,513 |
| Net interest margin | 4.2645% | 1,854 |
| Noninterest income to average assets | 0.0653% | 6,896 |
| Noninterest expense to average assets | 2.6400% | 4,938 |
| Loan and lease loss provision to assets | 0.3156% | 3,010 |
| Net operating income to assets | 0.6045% | 4,065 |
| Return on assets (ROA) | 0.6048% | 4,245 |
| Pretax return on assets | 0.9750% | 3,500 |
| Return on Equity (ROE) | 7.6404% | 3,204 |
| Retained earnings to average equity (ytd only) | 5.5013% | 2,859 |
| Net charge-offs to loans | 0.0577% | 5,393 |
| Credit loss provision to net charge-offs | 678.8991% | 401 |
| Earnings coverage of net charge-offs (x) | 27.7522% | 983 |
| Efficiency ratio | 67.1731% | 4,487 |
| Assets per employee ($millions) | 7.4372% | 590 |
| Cash dividends to net income (ytd only)* | 27.9972% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 4,943 |
| Loan loss allowance to noncurrent loans | 265.3788% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 6,069 |
| Noncurrent loans to loans | 0.4953% | 5,853 |
| Net loans and leases to total assets | 80.3631% | 484 |
| Net loans and leases to deposits | 96.7101% | 661 |
| Net loans and leases to core deposits | 100.3453% | 1,215 |
| Total domestic deposits to total assets | 83.0969% | 4,639 |
| Equity capital to assets | 7.7601% | 6,819 |
| Core capital (leverage) ratio | 7.8400% | 6,533 |
| Tier 1 risk-based capital ratio | 9.4918% | 7,054 |
| Total risk-based capital ratio | 10.7462% | 7,053 |
| Memoranda: | ||
| Average total assets | $312,613,000 | 2,058 |
| Average earning assets | $283,321,750 | 2,077 |
| Average equity | $24,745,000 | 2,610 |
| Average total loans | $252,018,250 | 1,677 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5648% | 1,139 |
| Cost of funding earning assets | 1.3437% | 1,683 |
| Net interest margin | 4.2211% | 1,951 |
| Noninterest income to average assets | 0.0565% | 7,019 |
| Noninterest expense to average assets | 2.7738% | 4,529 |
| Loan and lease loss provision to assets | 0.3932% | 2,451 |
| Net operating income to assets | 0.4597% | 4,678 |
| Return on assets (ROA) | 0.4601% | 4,807 |
| Pretax return on assets | 0.7181% | 4,324 |
| Return on Equity (ROE) | 5.7728% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.7728% | 2,553 |
| Net charge-offs to loans | 0.1723% | 4,140 |
| Credit loss provision to net charge-offs | 284.0376% | 1,077 |
| Earnings coverage of net charge-offs (x) | 8.0235% | 2,133 |
| Efficiency ratio | 71.4071% | 3,852 |
| Assets per employee ($millions) | 7.1880% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,150 |
| Loan loss allowance to noncurrent loans | 343.2177% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 6,380 |
| Noncurrent loans to loans | 0.3729% | 6,159 |
| Net loans and leases to total assets | 79.6090% | 571 |
| Net loans and leases to deposits | 97.5665% | 618 |
| Net loans and leases to core deposits | 100.6576% | 1,285 |
| Total domestic deposits to total assets | 81.5946% | 5,320 |
| Equity capital to assets | 7.8556% | 6,767 |
| Core capital (leverage) ratio | 7.8532% | 6,455 |
| Tier 1 risk-based capital ratio | 9.6987% | 7,057 |
| Total risk-based capital ratio | 10.9522% | 7,058 |
| Memoranda: | ||
| Average total assets | $307,738,670 | 2,095 |
| Average earning assets | $279,077,330 | 2,112 |
| Average equity | $24,528,670 | 2,603 |
| Average total loans | $247,197,670 | 1,726 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 1,169 |
| Cost of funding earning assets | 1.3355% | 1,980 |
| Net interest margin | 4.2176% | 1,843 |
| Noninterest income to average assets | 0.1134% | 6,844 |
| Noninterest expense to average assets | 2.9103% | 4,021 |
| Loan and lease loss provision to assets | 0.4020% | 2,186 |
| Net operating income to assets | 0.3959% | 4,966 |
| Return on assets (ROA) | 0.3967% | 5,055 |
| Pretax return on assets | 0.6195% | 4,605 |
| Return on Equity (ROE) | 4.9404% | 4,438 |
| Retained earnings to average equity (ytd only) | 4.9404% | 3,231 |
| Net charge-offs to loans | 0.3617% | 2,615 |
| Credit loss provision to net charge-offs | 138.6364% | 2,018 |
| Earnings coverage of net charge-offs (x) | 3.5182% | 2,716 |
| Efficiency ratio | 74.0443% | 3,506 |
| Assets per employee ($millions) | 6.7138% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 5,659 |
| Loan loss allowance to noncurrent loans | 310.9359% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 5,954 |
| Noncurrent loans to loans | 0.3846% | 6,228 |
| Net loans and leases to total assets | 79.1101% | 607 |
| Net loans and leases to deposits | 95.7712% | 706 |
| Net loans and leases to core deposits | 98.5181% | 1,472 |
| Total domestic deposits to total assets | 82.6033% | 5,065 |
| Equity capital to assets | 7.9324% | 6,563 |
| Core capital (leverage) ratio | 8.0626% | 6,175 |
| Tier 1 risk-based capital ratio | 9.7957% | 7,064 |
| Total risk-based capital ratio | 10.9751% | 7,096 |
| Memoranda: | ||
| Average total assets | $303,472,000 | 2,134 |
| Average earning assets | $274,657,500 | 2,165 |
| Average equity | $24,370,500 | 2,610 |
| Average total loans | $243,274,000 | 1,768 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3961% | 2,687 |
| Cost of funding earning assets | 1.5746% | 2,218 |
| Net interest margin | 3.8215% | 3,859 |
| Noninterest income to average assets | 0.1595% | 6,579 |
| Noninterest expense to average assets | 2.7724% | 4,698 |
| Loan and lease loss provision to assets | 0.6015% | 2,728 |
| Net operating income to assets | 0.6596% | 3,392 |
| Return on assets (ROA) | 0.6706% | 3,486 |
| Pretax return on assets | 0.3468% | 5,092 |
| Return on Equity (ROE) | 9.2229% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.1000% | 676 |
| Net charge-offs to loans | 0.5430% | 3,437 |
| Credit loss provision to net charge-offs | 148.0541% | 2,461 |
| Earnings coverage of net charge-offs (x) | 2.3071% | 3,995 |
| Efficiency ratio | 74.7336% | 3,246 |
| Assets per employee ($millions) | 6.0839% | 1,163 |
| Cash dividends to net income (ytd only)* | 1.3326% | 3,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 6,701 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 79.2996% | 756 |
| Net loans and leases to deposits | 96.5599% | 814 |
| Net loans and leases to core deposits | 99.3891% | 1,664 |
| Total domestic deposits to total assets | 82.1247% | 5,151 |
| Equity capital to assets | 8.1322% | 6,342 |
| Core capital (leverage) ratio | 8.3399% | 5,625 |
| Tier 1 risk-based capital ratio | 9.8415% | 7,040 |
| Total risk-based capital ratio | 11.0017% | 7,068 |
| Memoranda: | ||
| Average total assets | $290,937,800 | 2,206 |
| Average earning assets | $270,289,200 | 2,180 |
| Average equity | $21,153,800 | 2,985 |
| Average total loans | $217,684,200 | 1,986 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 3,273 |
| Cost of funding earning assets | 1.5994% | 2,389 |
| Net interest margin | 3.7158% | 4,324 |
| Noninterest income to average assets | 0.1886% | 6,536 |
| Noninterest expense to average assets | 2.7289% | 4,761 |
| Loan and lease loss provision to assets | 0.4035% | 3,487 |
| Net operating income to assets | 0.5188% | 4,220 |
| Return on assets (ROA) | 0.5335% | 4,341 |
| Pretax return on assets | 0.5335% | 4,816 |
| Return on Equity (ROE) | 7.5688% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.3987% | 1,645 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7411% | 3,190 |
| Assets per employee ($millions) | 5.7319% | 1,438 |
| Cash dividends to net income (ytd only)* | 2.2475% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 4,645 |
| Loan loss allowance to noncurrent loans | 148.5514% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 5,611 |
| Noncurrent loans to loans | 0.9189% | 5,404 |
| Net loans and leases to total assets | 80.1519% | 724 |
| Net loans and leases to deposits | 96.6252% | 914 |
| Net loans and leases to core deposits | 99.3469% | 1,908 |
| Total domestic deposits to total assets | 82.9513% | 4,610 |
| Equity capital to assets | 7.5259% | 7,116 |
| Core capital (leverage) ratio | 7.4919% | 6,852 |
| Tier 1 risk-based capital ratio | 9.2187% | 7,320 |
| Total risk-based capital ratio | 10.4698% | 7,332 |
| Memoranda: | ||
| Average total assets | $289,144,750 | 2,249 |
| Average earning assets | $269,434,500 | 2,216 |
| Average equity | $20,381,500 | 3,139 |
| Average total loans | $212,287,250 | 2,073 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 3,794 |
| Cost of funding earning assets | 1.6573% | 2,342 |
| Net interest margin | 3.5746% | 4,926 |
| Noninterest income to average assets | 0.2938% | 5,796 |
| Noninterest expense to average assets | 2.7201% | 4,834 |
| Loan and lease loss provision to assets | 0.3104% | 3,901 |
| Net operating income to assets | 0.5924% | 3,909 |
| Return on assets (ROA) | 0.6145% | 3,952 |
| Pretax return on assets | 0.6145% | 4,527 |
| Return on Equity (ROE) | 8.9164% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.6562% | 1,213 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0809% | 3,248 |
| Assets per employee ($millions) | 6.7540% | 860 |
| Cash dividends to net income (ytd only)* | 2.9181% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 4,970 |
| Loan loss allowance to noncurrent loans | 128.6916% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 5,651 |
| Noncurrent loans to loans | 1.0049% | 5,304 |
| Net loans and leases to total assets | 72.3800% | 2,307 |
| Net loans and leases to deposits | 86.9211% | 2,352 |
| Net loans and leases to core deposits | 88.9465% | 3,416 |
| Total domestic deposits to total assets | 83.2710% | 4,459 |
| Equity capital to assets | 7.3441% | 7,198 |
| Core capital (leverage) ratio | 7.3270% | 6,975 |
| Tier 1 risk-based capital ratio | 9.6223% | 7,211 |
| Total risk-based capital ratio | 10.8527% | 7,222 |
| Memoranda: | ||
| Average total assets | $289,994,330 | 2,265 |
| Average earning assets | $270,074,670 | 2,226 |
| Average equity | $19,985,670 | 3,173 |
| Average total loans | $205,419,330 | 2,166 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 4,497 |
| Cost of funding earning assets | 1.7569% | 2,094 |
| Net interest margin | 3.3507% | 5,781 |
| Noninterest income to average assets | 0.1656% | 6,781 |
| Noninterest expense to average assets | 2.6986% | 4,913 |
| Loan and lease loss provision to assets | 0.3106% | 3,556 |
| Net operating income to assets | 0.2761% | 5,395 |
| Return on assets (ROA) | 0.2761% | 5,521 |
| Pretax return on assets | 0.2761% | 5,670 |
| Return on Equity (ROE) | 4.1421% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.8995% | 4,393 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 2,256 |
| Assets per employee ($millions) | 7.0226% | 805 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 5,441 |
| Loan loss allowance to noncurrent loans | 335.8566% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 6,843 |
| Noncurrent loans to loans | 0.3610% | 6,578 |
| Net loans and leases to total assets | 68.2399% | 3,328 |
| Net loans and leases to deposits | 80.9928% | 3,464 |
| Net loans and leases to core deposits | 83.5185% | 4,268 |
| Total domestic deposits to total assets | 84.2542% | 4,014 |
| Equity capital to assets | 6.7446% | 7,469 |
| Core capital (leverage) ratio | 7.3742% | 6,964 |
| Tier 1 risk-based capital ratio | 9.2940% | 7,396 |
| Total risk-based capital ratio | 10.4235% | 7,443 |
| Memoranda: | ||
| Average total assets | $289,779,500 | 2,312 |
| Average earning assets | $269,795,000 | 2,285 |
| Average equity | $19,314,000 | 3,290 |
| Average total loans | $201,647,500 | 2,261 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 6,497 |
| Cost of funding earning assets | 2.4688% | 1,095 |
| Net interest margin | 2.5115% | 7,416 |
| Noninterest income to average assets | -0.0037% | 7,716 |
| Noninterest expense to average assets | 2.8752% | 4,630 |
| Loan and lease loss provision to assets | 0.6011% | 3,386 |
| Net operating income to assets | -1.1636% | 6,693 |
| Return on assets (ROA) | -1.0471% | 6,611 |
| Pretax return on assets | -1.0471% | 6,443 |
| Return on Equity (ROE) | -14.9137% | 6,931 |
| Retained earnings to average equity (ytd only) | -16.1949% | 6,948 |
| Net charge-offs to loans | 0.2834% | 4,858 |
| Credit loss provision to net charge-offs | 334.8730% | 970 |
| Earnings coverage of net charge-offs (x) | -3.1339% | 7,061 |
| Efficiency ratio | 124.3234% | 539 |
| Assets per employee ($millions) | 6.9397% | 823 |
| Cash dividends to net income (ytd only)* | -8.5907% | 7,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,453 |
| Loan loss allowance to noncurrent loans | 301.9659% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 6,768 |
| Noncurrent loans to loans | 0.3919% | 6,496 |
| Net loans and leases to total assets | 69.3104% | 3,414 |
| Net loans and leases to deposits | 82.9265% | 3,465 |
| Net loans and leases to core deposits | 93.9213% | 4,682 |
| Total domestic deposits to total assets | 83.5806% | 4,243 |
| Equity capital to assets | 6.5785% | 7,546 |
| Core capital (leverage) ratio | 6.8793% | 7,325 |
| Tier 1 risk-based capital ratio | 8.9979% | 7,465 |
| Total risk-based capital ratio | 10.1092% | 7,547 |
| Memoranda: | ||
| Average total assets | $241,234,000 | 2,708 |
| Average earning assets | $222,500,600 | 2,675 |
| Average equity | $16,937,400 | 3,683 |
| Average total loans | $152,811,000 | 2,878 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 6,866 |
| Cost of funding earning assets | 2.6000% | 1,031 |
| Net interest margin | 2.3071% | 7,639 |
| Noninterest income to average assets | -0.0327% | 7,881 |
| Noninterest expense to average assets | 2.9280% | 4,323 |
| Loan and lease loss provision to assets | 0.4882% | 3,462 |
| Net operating income to assets | -1.3313% | 7,027 |
| Return on assets (ROA) | -1.1699% | 6,950 |
| Pretax return on assets | -1.1699% | 6,803 |
| Return on Equity (ROE) | -16.3546% | 7,252 |
| Retained earnings to average equity (ytd only) | -17.6071% | 7,259 |
| Net charge-offs to loans | 0.3035% | 4,132 |
| Credit loss provision to net charge-offs | 262.3457% | 1,622 |
| Earnings coverage of net charge-offs (x) | -4.5308% | 6,847 |
| Efficiency ratio | 140.4408% | 380 |
| Assets per employee ($millions) | 6.8667% | 837 |
| Cash dividends to net income (ytd only)* | -7.6582% | 7,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 5,937 |
| Loan loss allowance to noncurrent loans | 177.0508% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 6,508 |
| Noncurrent loans to loans | 0.6012% | 6,103 |
| Net loans and leases to total assets | 62.9227% | 5,082 |
| Net loans and leases to deposits | 76.0550% | 5,033 |
| Net loans and leases to core deposits | 89.3222% | 5,504 |
| Total domestic deposits to total assets | 82.7332% | 4,348 |
| Equity capital to assets | 7.0070% | 7,593 |
| Core capital (leverage) ratio | 7.3595% | 7,127 |
| Tier 1 risk-based capital ratio | 9.9941% | 6,989 |
| Total risk-based capital ratio | 10.9383% | 7,202 |
| Memoranda: | ||
| Average total assets | $232,146,000 | 2,817 |
| Average earning assets | $213,073,500 | 2,813 |
| Average equity | $16,606,500 | 3,784 |
| Average total loans | $142,338,750 | 3,076 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 7,314 |
| Cost of funding earning assets | 2.6527% | 1,154 |
| Net interest margin | 2.0982% | 7,813 |
| Noninterest income to average assets | 0.0844% | 7,557 |
| Noninterest expense to average assets | 2.9774% | 4,169 |
| Loan and lease loss provision to assets | 0.2724% | 4,397 |
| Net operating income to assets | -1.2376% | 7,133 |
| Return on assets (ROA) | -1.1141% | 7,062 |
| Pretax return on assets | -1.1141% | 6,887 |
| Return on Equity (ROE) | -15.4466% | 7,350 |
| Retained earnings to average equity (ytd only) | -16.6425% | 7,330 |
| Net charge-offs to loans | 0.3248% | 3,556 |
| Credit loss provision to net charge-offs | 138.8889% | 3,360 |
| Earnings coverage of net charge-offs (x) | -4.9213% | 6,455 |
| Efficiency ratio | 147.9693% | 385 |
| Assets per employee ($millions) | 6.6413% | 910 |
| Cash dividends to net income (ytd only)* | -7.7425% | 7,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 6,779 |
| Loan loss allowance to noncurrent loans | 115.6962% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 5,881 |
| Noncurrent loans to loans | 0.7759% | 5,680 |
| Net loans and leases to total assets | 59.9704% | 5,682 |
| Net loans and leases to deposits | 73.2920% | 5,567 |
| Net loans and leases to core deposits | 86.9806% | 5,809 |
| Total domestic deposits to total assets | 81.8240% | 4,763 |
| Equity capital to assets | 6.6204% | 7,778 |
| Core capital (leverage) ratio | 6.9161% | 7,591 |
| Tier 1 risk-based capital ratio | 9.5693% | 7,335 |
| Total risk-based capital ratio | 10.3391% | 7,662 |
| Memoranda: | ||
| Average total assets | $220,260,330 | 2,973 |
| Average earning assets | $202,361,330 | 2,975 |
| Average equity | $15,887,000 | 3,944 |
| Average total loans | $133,011,000 | 3,284 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9850% | 6,964 |
| Cost of funding earning assets | 2.6094% | 1,534 |
| Net interest margin | 2.3756% | 7,645 |
| Noninterest income to average assets | 0.0607% | 7,770 |
| Noninterest expense to average assets | 3.1341% | 3,249 |
| Loan and lease loss provision to assets | 0.2938% | 3,600 |
| Net operating income to assets | -1.1772% | 7,352 |
| Return on assets (ROA) | -0.9226% | 7,236 |
| Pretax return on assets | -0.9226% | 7,109 |
| Return on Equity (ROE) | -12.1733% | 7,485 |
| Retained earnings to average equity (ytd only) | -12.9487% | 7,322 |
| Net charge-offs to loans | 0.3508% | 2,680 |
| Credit loss provision to net charge-offs | 138.8889% | 2,926 |
| Earnings coverage of net charge-offs (x) | -4.1759% | 5,544 |
| Efficiency ratio | 139.2515% | 416 |
| Assets per employee ($millions) | 6.1158% | 1,131 |
| Cash dividends to net income (ytd only)* | -6.3694% | 8,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 5,972 |
| Loan loss allowance to noncurrent loans | 79.3433% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 4,929 |
| Noncurrent loans to loans | 1.2945% | 4,387 |
| Net loans and leases to total assets | 56.5961% | 6,156 |
| Net loans and leases to deposits | 70.5982% | 5,925 |
| Net loans and leases to core deposits | 91.9916% | 5,345 |
| Total domestic deposits to total assets | 80.1665% | 5,300 |
| Equity capital to assets | 7.6674% | 7,208 |
| Core capital (leverage) ratio | 8.8776% | 4,882 |
| Tier 1 risk-based capital ratio | 11.1872% | 5,714 |
| Total risk-based capital ratio | 12.0204% | 6,030 |
| Memoranda: | ||
| Average total assets | $204,205,000 | 3,195 |
| Average earning assets | $188,243,500 | 3,184 |
| Average equity | $15,476,500 | 4,044 |
| Average total loans | $123,157,000 | 3,499 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9115% | 5,982 |
| Cost of funding earning assets | 2.8387% | 2,533 |
| Net interest margin | 3.0728% | 6,734 |
| Noninterest income to average assets | 0.0897% | 7,686 |
| Noninterest expense to average assets | 2.6948% | 5,293 |
| Loan and lease loss provision to assets | 0.5274% | 2,706 |
| Net operating income to assets | -0.2489% | 6,681 |
| Return on assets (ROA) | -0.0974% | 6,345 |
| Pretax return on assets | -0.0962% | 6,266 |
| Return on Equity (ROE) | -1.1577% | 6,383 |
| Retained earnings to average equity (ytd only) | -1.1577% | 5,645 |
| Net charge-offs to loans | 0.5812% | 2,078 |
| Credit loss provision to net charge-offs | 153.6332% | 3,405 |
| Earnings coverage of net charge-offs (x) | 0.8149% | 5,745 |
| Efficiency ratio | 90.5950% | 1,469 |
| Assets per employee ($millions) | 5.3566% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,283 |
| Loan loss allowance to noncurrent loans | 270.9474% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 5,834 |
| Noncurrent loans to loans | 0.4063% | 6,126 |
| Net loans and leases to total assets | 63.4890% | 5,372 |
| Net loans and leases to deposits | 81.9368% | 4,739 |
| Net loans and leases to core deposits | 100.5295% | 4,775 |
| Total domestic deposits to total assets | 77.4854% | 5,880 |
| Equity capital to assets | 7.4690% | 7,408 |
| Core capital (leverage) ratio | 8.2247% | 6,118 |
| Tier 1 risk-based capital ratio | 10.4826% | 6,225 |
| Total risk-based capital ratio | 11.4077% | 6,427 |
| Memoranda: | ||
| Average total assets | $168,360,400 | 3,576 |
| Average earning assets | $158,065,800 | 3,507 |
| Average equity | $14,166,400 | 4,304 |
| Average total loans | $99,447,800 | 3,964 |