Home > Peoples Federal Savings Bank of DeKalb County > Performance and Condition Ratios
Peoples Federal Savings Bank of DeKalb County, Performance and Condition Ratios
| 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 | 3.1086% | 5,733 |
| Cost of funding earning assets | 0.6509% | 1,094 |
| Net interest margin | 2.4577% | 5,996 |
| Noninterest income to average assets | 0.7170% | 2,145 |
| Noninterest expense to average assets | 3.1046% | 2,233 |
| Loan and lease loss provision to assets | 0.0160% | 3,805 |
| Net operating income to assets | -0.0832% | 6,042 |
| Return on assets (ROA) | 1.0773% | 2,130 |
| Pretax return on assets | 1.4349% | 1,848 |
| Return on Equity (ROE) | 9.0026% | 2,545 |
| Retained earnings to average equity (ytd only) | 7.2381% | 1,597 |
| Net charge-offs to loans | -0.0052% | 4,752 |
| Credit loss provision to net charge-offs | -633.3333% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2004% | 266 |
| Assets per employee ($millions) | 4.1926% | 3,482 |
| Cash dividends to net income (ytd only)* | 19.6002% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 5,391 |
| Loan loss allowance to noncurrent loans | 280.7584% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,063 |
| Noncurrent loans to loans | 0.3115% | 4,575 |
| Net loans and leases to total assets | 49.1330% | 5,003 |
| Net loans and leases to deposits | 64.0310% | 4,532 |
| Net loans and leases to core deposits | 64.9704% | 4,736 |
| Total domestic deposits to total assets | 76.7332% | 5,489 |
| Equity capital to assets | 12.2388% | 1,845 |
| Core capital (leverage) ratio | 11.4029% | 2,070 |
| Tier 1 risk-based capital ratio | 27.0822% | 703 |
| Total risk-based capital ratio | 28.0829% | 706 |
| Memoranda: | ||
| Average total assets | $473,613,330 | 1,438 |
| Average earning assets | $441,551,330 | 1,420 |
| Average equity | $56,672,670 | 1,336 |
| Average total loans | $231,231,330 | 1,874 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 5,309 |
| Cost of funding earning assets | 0.6529% | 1,100 |
| Net interest margin | 2.7039% | 5,796 |
| Noninterest income to average assets | 0.7003% | 2,160 |
| Noninterest expense to average assets | 2.4467% | 4,461 |
| Loan and lease loss provision to assets | 0.0283% | 3,307 |
| Net operating income to assets | 0.6337% | 4,125 |
| Return on assets (ROA) | 0.6677% | 4,088 |
| Pretax return on assets | 0.7853% | 4,293 |
| Return on Equity (ROE) | 5.6421% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.1202% | 4,616 |
| Net charge-offs to loans | 0.0791% | 1,916 |
| Credit loss provision to net charge-offs | 73.9130% | 1,885 |
| Earnings coverage of net charge-offs (x) | 20.1739% | 1,419 |
| Efficiency ratio | 75.9772% | 2,515 |
| Assets per employee ($millions) | 3.8606% | 4,231 |
| Cash dividends to net income (ytd only)* | 62.4220% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 5,585 |
| Loan loss allowance to noncurrent loans | 472.7494% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 5,318 |
| Noncurrent loans to loans | 0.1787% | 5,139 |
| Net loans and leases to total assets | 48.0217% | 5,028 |
| Net loans and leases to deposits | 62.9098% | 4,489 |
| Net loans and leases to core deposits | 65.9503% | 4,522 |
| Total domestic deposits to total assets | 76.3342% | 5,699 |
| Equity capital to assets | 12.0659% | 1,987 |
| Core capital (leverage) ratio | 11.0204% | 2,395 |
| Tier 1 risk-based capital ratio | 21.5017% | 1,324 |
| Total risk-based capital ratio | 22.2998% | 1,390 |
| Memoranda: | ||
| Average total assets | $479,825,500 | 1,426 |
| Average earning assets | $447,211,000 | 1,407 |
| Average equity | $56,787,000 | 1,341 |
| Average total loans | $232,549,500 | 1,854 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 5,233 |
| Cost of funding earning assets | 0.6887% | 1,160 |
| Net interest margin | 2.8491% | 5,730 |
| Noninterest income to average assets | 0.6308% | 2,670 |
| Noninterest expense to average assets | 2.5311% | 4,450 |
| Loan and lease loss provision to assets | 0.0799% | 2,886 |
| Net operating income to assets | 0.5738% | 4,489 |
| Return on assets (ROA) | 0.7520% | 3,721 |
| Pretax return on assets | 0.8721% | 3,991 |
| Return on Equity (ROE) | 6.3643% | 3,967 |
| Retained earnings to average equity (ytd only) | 0.8778% | 5,387 |
| Net charge-offs to loans | 0.2794% | 1,552 |
| Credit loss provision to net charge-offs | 57.5804% | 3,336 |
| Earnings coverage of net charge-offs (x) | 5.3660% | 3,438 |
| Efficiency ratio | 77.2645% | 2,321 |
| Assets per employee ($millions) | 3.4629% | 4,957 |
| Cash dividends to net income (ytd only)* | 86.2069% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 5,687 |
| Loan loss allowance to noncurrent loans | 636.4821% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 5,425 |
| Noncurrent loans to loans | 0.1306% | 5,376 |
| Net loans and leases to total assets | 48.0962% | 5,146 |
| Net loans and leases to deposits | 62.5996% | 4,672 |
| Net loans and leases to core deposits | 65.7698% | 4,686 |
| Total domestic deposits to total assets | 76.8315% | 5,626 |
| Equity capital to assets | 11.6087% | 2,334 |
| Core capital (leverage) ratio | 10.7232% | 2,697 |
| Tier 1 risk-based capital ratio | 20.7449% | 1,457 |
| Total risk-based capital ratio | 21.5241% | 1,511 |
| Memoranda: | ||
| Average total assets | $470,476,600 | 1,421 |
| Average earning assets | $436,765,400 | 1,404 |
| Average equity | $55,591,000 | 1,313 |
| Average total loans | $233,735,000 | 1,801 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5963% | 5,149 |
| Cost of funding earning assets | 0.6941% | 1,176 |
| Net interest margin | 2.9022% | 5,695 |
| Noninterest income to average assets | 0.6437% | 2,612 |
| Noninterest expense to average assets | 2.5504% | 4,361 |
| Loan and lease loss provision to assets | 0.0979% | 2,406 |
| Net operating income to assets | 0.5941% | 4,468 |
| Return on assets (ROA) | 0.7705% | 3,671 |
| Pretax return on assets | 0.8895% | 4,034 |
| Return on Equity (ROE) | 6.4910% | 3,972 |
| Retained earnings to average equity (ytd only) | 0.9575% | 5,499 |
| Net charge-offs to loans | 0.3399% | 1,182 |
| Credit loss provision to net charge-offs | 57.6471% | 2,984 |
| Earnings coverage of net charge-offs (x) | 4.6185% | 3,413 |
| Efficiency ratio | 76.4706% | 2,419 |
| Assets per employee ($millions) | 3.8227% | 4,239 |
| Cash dividends to net income (ytd only)* | 85.2484% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 5,725 |
| Loan loss allowance to noncurrent loans | 1,010.2041% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 5,525 |
| Noncurrent loans to loans | 0.0848% | 5,693 |
| Net loans and leases to total assets | 48.7338% | 5,130 |
| Net loans and leases to deposits | 63.9495% | 4,542 |
| Net loans and leases to core deposits | 67.4224% | 4,567 |
| Total domestic deposits to total assets | 76.2068% | 5,789 |
| Equity capital to assets | 11.9065% | 2,146 |
| Core capital (leverage) ratio | 11.0444% | 2,443 |
| Tier 1 risk-based capital ratio | 21.3066% | 1,391 |
| Total risk-based capital ratio | 22.1186% | 1,453 |
| Memoranda: | ||
| Average total assets | $466,895,500 | 1,444 |
| Average earning assets | $432,991,000 | 1,430 |
| Average equity | $55,419,000 | 1,321 |
| Average total loans | $233,387,500 | 1,809 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 5,063 |
| Cost of funding earning assets | 0.7021% | 1,182 |
| Net interest margin | 2.9294% | 5,677 |
| Noninterest income to average assets | 0.6526% | 2,523 |
| Noninterest expense to average assets | 2.6282% | 4,142 |
| Loan and lease loss provision to assets | 0.1322% | 1,876 |
| Net operating income to assets | 0.5104% | 4,768 |
| Return on assets (ROA) | 0.7664% | 3,585 |
| Pretax return on assets | 0.9111% | 3,841 |
| Return on Equity (ROE) | 6.4638% | 3,901 |
| Retained earnings to average equity (ytd only) | 1.3942% | 5,188 |
| Net charge-offs to loans | 0.4741% | 850 |
| Credit loss provision to net charge-offs | 55.4955% | 2,708 |
| Earnings coverage of net charge-offs (x) | 3.0991% | 3,389 |
| Efficiency ratio | 78.0640% | 2,282 |
| Assets per employee ($millions) | 3.7372% | 4,376 |
| Cash dividends to net income (ytd only)* | 78.4314% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 5,850 |
| Loan loss allowance to noncurrent loans | 1,264.3312% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,648 |
| Noncurrent loans to loans | 0.0680% | 5,821 |
| Net loans and leases to total assets | 49.4233% | 5,026 |
| Net loans and leases to deposits | 65.1470% | 4,365 |
| Net loans and leases to core deposits | 67.9263% | 4,480 |
| Total domestic deposits to total assets | 75.8643% | 5,925 |
| Equity capital to assets | 12.0904% | 1,922 |
| Core capital (leverage) ratio | 11.2007% | 2,241 |
| Tier 1 risk-based capital ratio | 21.4722% | 1,351 |
| Total risk-based capital ratio | 22.2928% | 1,413 |
| Memoranda: | ||
| Average total assets | $465,795,000 | 1,444 |
| Average earning assets | $431,555,000 | 1,434 |
| Average equity | $55,230,670 | 1,312 |
| Average total loans | $234,141,670 | 1,796 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 4,964 |
| Cost of funding earning assets | 0.7047% | 1,218 |
| Net interest margin | 2.9593% | 5,630 |
| Noninterest income to average assets | 0.6553% | 2,431 |
| Noninterest expense to average assets | 2.6194% | 4,210 |
| Loan and lease loss provision to assets | 0.1139% | 2,053 |
| Net operating income to assets | 0.5802% | 4,299 |
| Return on assets (ROA) | 0.6578% | 3,999 |
| Pretax return on assets | 0.7512% | 4,306 |
| Return on Equity (ROE) | 5.6026% | 4,231 |
| Retained earnings to average equity (ytd only) | 0.8608% | 5,248 |
| Net charge-offs to loans | 0.6873% | 530 |
| Credit loss provision to net charge-offs | 32.8395% | 2,371 |
| Earnings coverage of net charge-offs (x) | 2.2395% | 2,925 |
| Efficiency ratio | 77.1248% | 2,625 |
| Assets per employee ($millions) | 3.7824% | 4,363 |
| Cash dividends to net income (ytd only)* | 84.6354% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 6,041 |
| Loan loss allowance to noncurrent loans | 705.3957% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 5,698 |
| Noncurrent loans to loans | 0.1178% | 5,768 |
| Net loans and leases to total assets | 49.9152% | 4,922 |
| Net loans and leases to deposits | 65.2693% | 4,172 |
| Net loans and leases to core deposits | 68.6544% | 4,241 |
| Total domestic deposits to total assets | 76.4759% | 6,030 |
| Equity capital to assets | 11.7886% | 2,019 |
| Core capital (leverage) ratio | 11.0269% | 2,357 |
| Tier 1 risk-based capital ratio | 20.8697% | 1,497 |
| Total risk-based capital ratio | 21.6617% | 1,581 |
| Memoranda: | ||
| Average total assets | $466,984,000 | 1,439 |
| Average earning assets | $432,528,000 | 1,434 |
| Average equity | $54,831,500 | 1,319 |
| Average total loans | $235,702,000 | 1,786 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 5,465 |
| Cost of funding earning assets | 0.7729% | 1,357 |
| Net interest margin | 2.8039% | 5,972 |
| Noninterest income to average assets | 0.6322% | 2,903 |
| Noninterest expense to average assets | 2.7603% | 3,871 |
| Loan and lease loss provision to assets | 0.0457% | 4,204 |
| Net operating income to assets | 0.3912% | 5,177 |
| Return on assets (ROA) | 0.6019% | 4,367 |
| Pretax return on assets | 0.6607% | 4,663 |
| Return on Equity (ROE) | 5.0239% | 4,621 |
| Retained earnings to average equity (ytd only) | 0.6390% | 5,546 |
| Net charge-offs to loans | 0.1715% | 3,111 |
| Credit loss provision to net charge-offs | 53.2500% | 3,746 |
| Earnings coverage of net charge-offs (x) | 5.5350% | 3,276 |
| Efficiency ratio | 85.3241% | 1,486 |
| Assets per employee ($millions) | 3.7196% | 4,437 |
| Cash dividends to net income (ytd only)* | 87.2818% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 5,764 |
| Loan loss allowance to noncurrent loans | 396.4476% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 5,596 |
| Noncurrent loans to loans | 0.2392% | 5,464 |
| Net loans and leases to total assets | 50.1343% | 5,068 |
| Net loans and leases to deposits | 65.1543% | 4,395 |
| Net loans and leases to core deposits | 68.8734% | 4,407 |
| Total domestic deposits to total assets | 76.9470% | 5,979 |
| Equity capital to assets | 11.6942% | 2,036 |
| Core capital (leverage) ratio | 11.1282% | 2,258 |
| Tier 1 risk-based capital ratio | 20.9318% | 1,433 |
| Total risk-based capital ratio | 21.8381% | 1,492 |
| Memoranda: | ||
| Average total assets | $466,322,400 | 1,417 |
| Average earning assets | $432,890,200 | 1,406 |
| Average equity | $55,872,600 | 1,279 |
| Average total loans | $233,262,400 | 1,769 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 5,582 |
| Cost of funding earning assets | 0.7936% | 1,363 |
| Net interest margin | 2.7551% | 6,085 |
| Noninterest income to average assets | 0.6448% | 2,904 |
| Noninterest expense to average assets | 2.8416% | 3,516 |
| Loan and lease loss provision to assets | 0.0483% | 4,049 |
| Net operating income to assets | 0.2907% | 5,646 |
| Return on assets (ROA) | 0.5777% | 4,572 |
| Pretax return on assets | 0.6234% | 4,936 |
| Return on Equity (ROE) | 4.7930% | 4,831 |
| Retained earnings to average equity (ytd only) | 0.4077% | 5,806 |
| Net charge-offs to loans | 0.1633% | 2,925 |
| Credit loss provision to net charge-offs | 59.2982% | 3,319 |
| Earnings coverage of net charge-offs (x) | 4.4596% | 3,435 |
| Efficiency ratio | 88.6690% | 1,113 |
| Assets per employee ($millions) | 3.6177% | 4,626 |
| Cash dividends to net income (ytd only)* | 91.4938% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 5,727 |
| Loan loss allowance to noncurrent loans | 311.6373% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 5,738 |
| Noncurrent loans to loans | 0.3204% | 5,425 |
| Net loans and leases to total assets | 50.4981% | 5,080 |
| Net loans and leases to deposits | 64.4250% | 4,469 |
| Net loans and leases to core deposits | 68.2971% | 4,503 |
| Total domestic deposits to total assets | 78.3827% | 5,846 |
| Equity capital to assets | 12.0352% | 1,896 |
| Core capital (leverage) ratio | 11.3915% | 2,132 |
| Tier 1 risk-based capital ratio | 21.4894% | 1,402 |
| Total risk-based capital ratio | 22.4530% | 1,423 |
| Memoranda: | ||
| Average total assets | $466,666,250 | 1,422 |
| Average earning assets | $433,601,750 | 1,409 |
| Average equity | $56,247,750 | 1,278 |
| Average total loans | $232,745,500 | 1,770 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5052% | 5,684 |
| Cost of funding earning assets | 0.8182% | 1,319 |
| Net interest margin | 2.6871% | 6,198 |
| Noninterest income to average assets | 0.6567% | 2,878 |
| Noninterest expense to average assets | 2.9358% | 3,216 |
| Loan and lease loss provision to assets | 0.0534% | 3,918 |
| Net operating income to assets | 0.1542% | 6,016 |
| Return on assets (ROA) | 0.5803% | 4,577 |
| Pretax return on assets | 0.6248% | 4,930 |
| Return on Equity (ROE) | 4.8122% | 4,820 |
| Retained earnings to average equity (ytd only) | 0.7669% | 5,594 |
| Net charge-offs to loans | 0.1371% | 3,005 |
| Credit loss provision to net charge-offs | 78.7500% | 2,656 |
| Earnings coverage of net charge-offs (x) | 3.2438% | 3,445 |
| Efficiency ratio | 93.0242% | 815 |
| Assets per employee ($millions) | 3.7251% | 4,360 |
| Cash dividends to net income (ytd only)* | 84.0643% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 5,792 |
| Loan loss allowance to noncurrent loans | 304.9872% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 5,786 |
| Noncurrent loans to loans | 0.3299% | 5,469 |
| Net loans and leases to total assets | 50.3974% | 5,066 |
| Net loans and leases to deposits | 64.8697% | 4,391 |
| Net loans and leases to core deposits | 68.7416% | 4,428 |
| Total domestic deposits to total assets | 77.6902% | 6,034 |
| Equity capital to assets | 11.8393% | 2,017 |
| Core capital (leverage) ratio | 11.0488% | 2,308 |
| Tier 1 risk-based capital ratio | 20.8784% | 1,517 |
| Total risk-based capital ratio | 21.8470% | 1,557 |
| Memoranda: | ||
| Average total assets | $471,482,670 | 1,406 |
| Average earning assets | $438,542,670 | 1,392 |
| Average equity | $56,855,330 | 1,268 |
| Average total loans | $233,439,330 | 1,764 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 5,748 |
| Cost of funding earning assets | 0.8774% | 1,098 |
| Net interest margin | 2.6068% | 6,364 |
| Noninterest income to average assets | 0.6509% | 2,873 |
| Noninterest expense to average assets | 2.5329% | 4,644 |
| Loan and lease loss provision to assets | 0.0531% | 3,738 |
| Net operating income to assets | 0.5008% | 4,656 |
| Return on assets (ROA) | 0.5008% | 4,807 |
| Pretax return on assets | 0.4924% | 5,286 |
| Return on Equity (ROE) | 4.1165% | 5,034 |
| Retained earnings to average equity (ytd only) | -0.3881% | 5,853 |
| Net charge-offs to loans | 0.0950% | 2,901 |
| Credit loss provision to net charge-offs | 114.5455% | 1,649 |
| Earnings coverage of net charge-offs (x) | 11.7636% | 1,649 |
| Efficiency ratio | 82.2788% | 2,007 |
| Assets per employee ($millions) | 3.7375% | 4,470 |
| Cash dividends to net income (ytd only)* | 109.4276% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,789 |
| Loan loss allowance to noncurrent loans | 273.3108% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 5,779 |
| Noncurrent loans to loans | 0.3847% | 5,448 |
| Net loans and leases to total assets | 48.4946% | 5,174 |
| Net loans and leases to deposits | 62.2175% | 4,512 |
| Net loans and leases to core deposits | 66.0989% | 4,516 |
| Total domestic deposits to total assets | 77.9436% | 6,117 |
| Equity capital to assets | 12.2305% | 1,884 |
| Core capital (leverage) ratio | 11.0608% | 2,215 |
| Tier 1 risk-based capital ratio | 21.1012% | 1,514 |
| Total risk-based capital ratio | 22.1028% | 1,545 |
| Memoranda: | ||
| Average total assets | $474,402,500 | 1,414 |
| Average earning assets | $441,769,000 | 1,396 |
| Average equity | $57,718,500 | 1,264 |
| Average total loans | $231,630,500 | 1,782 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 5,751 |
| Cost of funding earning assets | 1.1379% | 777 |
| Net interest margin | 2.6977% | 6,525 |
| Noninterest income to average assets | 0.6343% | 3,081 |
| Noninterest expense to average assets | 2.5022% | 5,083 |
| Loan and lease loss provision to assets | 0.0694% | 4,878 |
| Net operating income to assets | 0.5256% | 4,574 |
| Return on assets (ROA) | 0.6141% | 4,434 |
| Pretax return on assets | 0.6638% | 4,780 |
| Return on Equity (ROE) | 5.1778% | 4,604 |
| Retained earnings to average equity (ytd only) | 0.1824% | 5,754 |
| Net charge-offs to loans | 0.1983% | 3,791 |
| Credit loss provision to net charge-offs | 75.7303% | 3,980 |
| Earnings coverage of net charge-offs (x) | 6.9573% | 2,703 |
| Efficiency ratio | 79.1836% | 2,254 |
| Assets per employee ($millions) | 3.7628% | 4,439 |
| Cash dividends to net income (ytd only)* | 96.4765% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 5,808 |
| Loan loss allowance to noncurrent loans | 276.2557% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 5,837 |
| Noncurrent loans to loans | 0.3768% | 5,555 |
| Net loans and leases to total assets | 48.1378% | 5,400 |
| Net loans and leases to deposits | 63.5651% | 4,587 |
| Net loans and leases to core deposits | 67.9409% | 4,538 |
| Total domestic deposits to total assets | 75.7299% | 6,388 |
| Equity capital to assets | 12.1036% | 1,979 |
| Core capital (leverage) ratio | 10.9086% | 2,333 |
| Tier 1 risk-based capital ratio | 21.0390% | 1,453 |
| Total risk-based capital ratio | 22.0343% | 1,476 |
| Memoranda: | ||
| Average total assets | $485,253,000 | 1,373 |
| Average earning assets | $450,746,600 | 1,350 |
| Average equity | $57,553,800 | 1,235 |
| Average total loans | $224,455,600 | 1,809 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 5,822 |
| Cost of funding earning assets | 1.1793% | 760 |
| Net interest margin | 2.7054% | 6,638 |
| Noninterest income to average assets | 0.6115% | 3,205 |
| Noninterest expense to average assets | 2.5013% | 5,084 |
| Loan and lease loss provision to assets | 0.0662% | 4,863 |
| Net operating income to assets | 0.5111% | 4,802 |
| Return on assets (ROA) | 0.6222% | 4,539 |
| Pretax return on assets | 0.6764% | 4,933 |
| Return on Equity (ROE) | 5.2722% | 4,699 |
| Retained earnings to average equity (ytd only) | 0.2853% | 5,996 |
| Net charge-offs to loans | 0.2643% | 3,133 |
| Credit loss provision to net charge-offs | 54.8753% | 4,283 |
| Earnings coverage of net charge-offs (x) | 5.1519% | 3,096 |
| Efficiency ratio | 79.4566% | 2,180 |
| Assets per employee ($millions) | 3.7852% | 4,339 |
| Cash dividends to net income (ytd only)* | 94.5888% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 5,945 |
| Loan loss allowance to noncurrent loans | 287.5309% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 5,949 |
| Noncurrent loans to loans | 0.3606% | 5,757 |
| Net loans and leases to total assets | 45.8817% | 5,775 |
| Net loans and leases to deposits | 60.8616% | 5,104 |
| Net loans and leases to core deposits | 65.1261% | 5,043 |
| Total domestic deposits to total assets | 75.3869% | 6,470 |
| Equity capital to assets | 12.0245% | 2,236 |
| Core capital (leverage) ratio | 10.7742% | 2,633 |
| Tier 1 risk-based capital ratio | 21.0830% | 1,505 |
| Total risk-based capital ratio | 22.0427% | 1,540 |
| Memoranda: | ||
| Average total assets | $487,097,250 | 1,382 |
| Average earning assets | $452,227,000 | 1,368 |
| Average equity | $57,482,250 | 1,244 |
| Average total loans | $222,454,750 | 1,838 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 5,805 |
| Cost of funding earning assets | 1.2251% | 734 |
| Net interest margin | 2.7175% | 6,690 |
| Noninterest income to average assets | 0.6078% | 3,209 |
| Noninterest expense to average assets | 2.5125% | 5,099 |
| Loan and lease loss provision to assets | 0.0664% | 4,806 |
| Net operating income to assets | 0.5115% | 4,769 |
| Return on assets (ROA) | 0.6242% | 4,502 |
| Pretax return on assets | 0.6771% | 4,893 |
| Return on Equity (ROE) | 5.3230% | 4,656 |
| Retained earnings to average equity (ytd only) | 0.4299% | 5,897 |
| Net charge-offs to loans | 0.2652% | 2,994 |
| Credit loss provision to net charge-offs | 55.1020% | 3,929 |
| Earnings coverage of net charge-offs (x) | 5.1531% | 2,894 |
| Efficiency ratio | 80.1046% | 2,154 |
| Assets per employee ($millions) | 3.7279% | 4,459 |
| Cash dividends to net income (ytd only)* | 91.9238% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 5,842 |
| Loan loss allowance to noncurrent loans | 354.9630% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 5,959 |
| Noncurrent loans to loans | 0.3058% | 5,945 |
| Net loans and leases to total assets | 44.7032% | 5,950 |
| Net loans and leases to deposits | 59.4269% | 5,300 |
| Net loans and leases to core deposits | 63.5292% | 5,255 |
| Total domestic deposits to total assets | 75.2239% | 6,563 |
| Equity capital to assets | 11.8213% | 2,294 |
| Core capital (leverage) ratio | 10.6553% | 2,656 |
| Tier 1 risk-based capital ratio | 21.4398% | 1,398 |
| Total risk-based capital ratio | 22.4451% | 1,417 |
| Memoranda: | ||
| Average total assets | $487,959,330 | 1,385 |
| Average earning assets | $453,510,670 | 1,361 |
| Average equity | $57,223,000 | 1,243 |
| Average total loans | $221,729,330 | 1,833 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 5,869 |
| Cost of funding earning assets | 1.2008% | 985 |
| Net interest margin | 2.7665% | 6,682 |
| Noninterest income to average assets | 0.6339% | 3,035 |
| Noninterest expense to average assets | 2.5430% | 5,010 |
| Loan and lease loss provision to assets | 0.0664% | 4,585 |
| Net operating income to assets | 0.5666% | 4,507 |
| Return on assets (ROA) | 0.5855% | 4,634 |
| Pretax return on assets | 0.6118% | 5,078 |
| Return on Equity (ROE) | 5.0132% | 4,777 |
| Retained earnings to average equity (ytd only) | -0.6038% | 6,089 |
| Net charge-offs to loans | 0.4500% | 1,967 |
| Credit loss provision to net charge-offs | 32.4000% | 3,586 |
| Earnings coverage of net charge-offs (x) | 3.2120% | 2,915 |
| Efficiency ratio | 79.3545% | 2,293 |
| Assets per employee ($millions) | 3.6637% | 4,735 |
| Cash dividends to net income (ytd only)* | 112.0448% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,945 |
| Loan loss allowance to noncurrent loans | 218.3333% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 5,907 |
| Noncurrent loans to loans | 0.4974% | 5,682 |
| Net loans and leases to total assets | 43.7490% | 6,039 |
| Net loans and leases to deposits | 57.6378% | 5,426 |
| Net loans and leases to core deposits | 61.9815% | 5,329 |
| Total domestic deposits to total assets | 75.9033% | 6,550 |
| Equity capital to assets | 11.6108% | 2,341 |
| Core capital (leverage) ratio | 10.5366% | 2,710 |
| Tier 1 risk-based capital ratio | 21.0752% | 1,476 |
| Total risk-based capital ratio | 22.0518% | 1,495 |
| Memoranda: | ||
| Average total assets | $487,762,000 | 1,381 |
| Average earning assets | $452,694,000 | 1,367 |
| Average equity | $56,969,500 | 1,245 |
| Average total loans | $222,241,000 | 1,839 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 5,362 |
| Cost of funding earning assets | 1.3983% | 1,048 |
| Net interest margin | 3.0166% | 6,504 |
| Noninterest income to average assets | 0.5961% | 3,185 |
| Noninterest expense to average assets | 2.5188% | 5,407 |
| Loan and lease loss provision to assets | 0.0861% | 5,524 |
| Net operating income to assets | 0.6630% | 3,675 |
| Return on assets (ROA) | 0.8038% | 3,187 |
| Pretax return on assets | 0.9546% | 3,413 |
| Return on Equity (ROE) | 6.8798% | 3,451 |
| Retained earnings to average equity (ytd only) | -3.9963% | 6,369 |
| Net charge-offs to loans | 0.2282% | 4,358 |
| Credit loss provision to net charge-offs | 77.6515% | 4,572 |
| Earnings coverage of net charge-offs (x) | 7.8731% | 2,242 |
| Efficiency ratio | 74.1842% | 3,204 |
| Assets per employee ($millions) | 3.5116% | 4,984 |
| Cash dividends to net income (ytd only)* | 158.0873% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,773 |
| Loan loss allowance to noncurrent loans | 371.6176% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 5,948 |
| Noncurrent loans to loans | 0.2991% | 6,124 |
| Net loans and leases to total assets | 46.3935% | 5,981 |
| Net loans and leases to deposits | 62.0140% | 5,243 |
| Net loans and leases to core deposits | 66.8161% | 5,175 |
| Total domestic deposits to total assets | 74.8113% | 6,632 |
| Equity capital to assets | 11.7496% | 2,307 |
| Core capital (leverage) ratio | 10.6889% | 2,532 |
| Tier 1 risk-based capital ratio | 21.2009% | 1,376 |
| Total risk-based capital ratio | 22.2521% | 1,389 |
| Memoranda: | ||
| Average total assets | $476,105,800 | 1,390 |
| Average earning assets | $441,260,200 | 1,372 |
| Average equity | $55,626,600 | 1,222 |
| Average total loans | $231,346,600 | 1,801 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 5,316 |
| Cost of funding earning assets | 1.4318% | 1,096 |
| Net interest margin | 3.0467% | 6,500 |
| Noninterest income to average assets | 0.5727% | 3,362 |
| Noninterest expense to average assets | 2.5235% | 5,384 |
| Loan and lease loss provision to assets | 0.0661% | 5,633 |
| Net operating income to assets | 0.6745% | 3,744 |
| Return on assets (ROA) | 0.8324% | 3,175 |
| Pretax return on assets | 1.0003% | 3,405 |
| Return on Equity (ROE) | 7.1344% | 3,461 |
| Retained earnings to average equity (ytd only) | -5.5238% | 6,617 |
| Net charge-offs to loans | 0.1452% | 4,613 |
| Credit loss provision to net charge-offs | 92.8854% | 3,674 |
| Earnings coverage of net charge-offs (x) | 12.3124% | 1,720 |
| Efficiency ratio | 74.1519% | 3,149 |
| Assets per employee ($millions) | 3.4574% | 5,102 |
| Cash dividends to net income (ytd only)* | 177.4251% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 5,604 |
| Loan loss allowance to noncurrent loans | 316.0048% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 6,081 |
| Noncurrent loans to loans | 0.3695% | 6,117 |
| Net loans and leases to total assets | 46.2464% | 6,123 |
| Net loans and leases to deposits | 61.8216% | 5,422 |
| Net loans and leases to core deposits | 65.9184% | 5,422 |
| Total domestic deposits to total assets | 74.8063% | 6,660 |
| Equity capital to assets | 11.7778% | 2,428 |
| Core capital (leverage) ratio | 10.7550% | 2,611 |
| Tier 1 risk-based capital ratio | 21.5641% | 1,361 |
| Total risk-based capital ratio | 22.6767% | 1,353 |
| Memoranda: | ||
| Average total assets | $473,983,750 | 1,408 |
| Average earning assets | $439,808,500 | 1,389 |
| Average equity | $55,298,750 | 1,223 |
| Average total loans | $232,346,500 | 1,809 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 5,319 |
| Cost of funding earning assets | 1.4348% | 1,259 |
| Net interest margin | 3.0763% | 6,454 |
| Noninterest income to average assets | 0.5638% | 3,374 |
| Noninterest expense to average assets | 2.5185% | 5,460 |
| Loan and lease loss provision to assets | 0.0466% | 5,725 |
| Net operating income to assets | 0.7062% | 3,509 |
| Return on assets (ROA) | 0.8385% | 3,014 |
| Pretax return on assets | 1.0149% | 3,189 |
| Return on Equity (ROE) | 7.2105% | 3,344 |
| Retained earnings to average equity (ytd only) | -9.1936% | 6,837 |
| Net charge-offs to loans | 0.1542% | 4,256 |
| Credit loss provision to net charge-offs | 60.7735% | 4,322 |
| Earnings coverage of net charge-offs (x) | 11.7569% | 1,680 |
| Efficiency ratio | 73.5531% | 3,453 |
| Assets per employee ($millions) | 3.3997% | 5,201 |
| Cash dividends to net income (ytd only)* | 227.5025% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,874 |
| Loan loss allowance to noncurrent loans | 242.3729% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 5,975 |
| Noncurrent loans to loans | 0.4622% | 5,987 |
| Net loans and leases to total assets | 47.7335% | 6,080 |
| Net loans and leases to deposits | 63.7663% | 5,306 |
| Net loans and leases to core deposits | 67.8873% | 5,301 |
| Total domestic deposits to total assets | 74.8570% | 6,746 |
| Equity capital to assets | 11.6985% | 2,328 |
| Core capital (leverage) ratio | 10.7868% | 2,435 |
| Tier 1 risk-based capital ratio | 21.8733% | 1,278 |
| Total risk-based capital ratio | 22.9848% | 1,268 |
| Memoranda: | ||
| Average total assets | $471,783,670 | 1,424 |
| Average earning assets | $438,117,670 | 1,399 |
| Average equity | $54,864,330 | 1,226 |
| Average total loans | $234,835,670 | 1,821 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 5,547 |
| Cost of funding earning assets | 1.4447% | 1,410 |
| Net interest margin | 2.9969% | 6,579 |
| Noninterest income to average assets | 0.5459% | 3,540 |
| Noninterest expense to average assets | 2.5284% | 5,455 |
| Loan and lease loss provision to assets | 0.0554% | 5,312 |
| Net operating income to assets | 0.6331% | 3,845 |
| Return on assets (ROA) | 0.7503% | 3,333 |
| Pretax return on assets | 0.8772% | 3,584 |
| Return on Equity (ROE) | 6.4712% | 3,637 |
| Retained earnings to average equity (ytd only) | -26.5827% | 7,262 |
| Net charge-offs to loans | 0.1483% | 3,595 |
| Credit loss provision to net charge-offs | 73.8636% | 3,283 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,620 |
| Efficiency ratio | 75.9734% | 3,169 |
| Assets per employee ($millions) | 3.5221% | 4,942 |
| Cash dividends to net income (ytd only)* | 510.7832% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,883 |
| Loan loss allowance to noncurrent loans | 159.6470% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 5,866 |
| Noncurrent loans to loans | 0.7148% | 5,581 |
| Net loans and leases to total assets | 47.7892% | 6,105 |
| Net loans and leases to deposits | 63.6465% | 5,298 |
| Net loans and leases to core deposits | 66.6653% | 5,445 |
| Total domestic deposits to total assets | 75.0854% | 6,779 |
| Equity capital to assets | 11.1451% | 2,543 |
| Core capital (leverage) ratio | 10.4979% | 2,612 |
| Tier 1 risk-based capital ratio | 21.7829% | 1,263 |
| Total risk-based capital ratio | 22.9359% | 1,258 |
| Memoranda: | ||
| Average total assets | $469,697,000 | 1,439 |
| Average earning assets | $435,515,000 | 1,415 |
| Average equity | $54,456,500 | 1,227 |
| Average total loans | $237,371,000 | 1,808 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8333% | 5,299 |
| Cost of funding earning assets | 1.7801% | 1,254 |
| Net interest margin | 3.0532% | 6,631 |
| Noninterest income to average assets | 0.5418% | 3,873 |
| Noninterest expense to average assets | 2.4553% | 5,927 |
| Loan and lease loss provision to assets | 0.2404% | 4,881 |
| Net operating income to assets | 0.5857% | 3,734 |
| Return on assets (ROA) | 0.7219% | 3,267 |
| Pretax return on assets | 0.8407% | 3,497 |
| Return on Equity (ROE) | 6.1509% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.1509% | 1,747 |
| Net charge-offs to loans | 0.1828% | 5,211 |
| Credit loss provision to net charge-offs | 239.2857% | 1,208 |
| Earnings coverage of net charge-offs (x) | 9.1849% | 1,860 |
| Efficiency ratio | 72.6443% | 3,669 |
| Assets per employee ($millions) | 3.3862% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 6,025 |
| Loan loss allowance to noncurrent loans | 134.3147% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 5,898 |
| Noncurrent loans to loans | 0.8044% | 5,437 |
| Net loans and leases to total assets | 52.2177% | 5,883 |
| Net loans and leases to deposits | 70.7240% | 4,721 |
| Net loans and leases to core deposits | 71.9695% | 5,219 |
| Total domestic deposits to total assets | 73.8331% | 6,912 |
| Equity capital to assets | 12.0541% | 1,886 |
| Core capital (leverage) ratio | 11.5296% | 1,818 |
| Tier 1 risk-based capital ratio | 22.9946% | 1,039 |
| Total risk-based capital ratio | 24.1389% | 1,032 |
| Memoranda: | ||
| Average total assets | $473,753,200 | 1,412 |
| Average earning assets | $440,095,800 | 1,385 |
| Average equity | $55,601,600 | 1,201 |
| Average total loans | $260,411,600 | 1,699 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 5,446 |
| Cost of funding earning assets | 1.8313% | 1,297 |
| Net interest margin | 3.0262% | 6,778 |
| Noninterest income to average assets | 0.5182% | 4,039 |
| Noninterest expense to average assets | 2.4316% | 5,936 |
| Loan and lease loss provision to assets | 0.1719% | 5,322 |
| Net operating income to assets | 0.6342% | 3,727 |
| Return on assets (ROA) | 0.7002% | 3,568 |
| Pretax return on assets | 0.8055% | 3,884 |
| Return on Equity (ROE) | 6.0059% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.0059% | 2,351 |
| Net charge-offs to loans | 0.2028% | 4,726 |
| Credit loss provision to net charge-offs | 152.7363% | 2,533 |
| Earnings coverage of net charge-offs (x) | 8.0099% | 2,223 |
| Efficiency ratio | 72.9273% | 3,539 |
| Assets per employee ($millions) | 3.4997% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 6,847 |
| Loan loss allowance to noncurrent loans | 139.3651% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 6,155 |
| Noncurrent loans to loans | 0.6220% | 5,964 |
| Net loans and leases to total assets | 53.1277% | 5,968 |
| Net loans and leases to deposits | 73.4503% | 4,601 |
| Net loans and leases to core deposits | 74.7556% | 5,199 |
| Total domestic deposits to total assets | 72.3315% | 7,103 |
| Equity capital to assets | 12.2634% | 2,003 |
| Core capital (leverage) ratio | 11.2340% | 2,111 |
| Tier 1 risk-based capital ratio | 22.0939% | 1,194 |
| Total risk-based capital ratio | 23.0220% | 1,219 |
| Memoranda: | ||
| Average total assets | $476,214,000 | 1,425 |
| Average earning assets | $442,965,000 | 1,390 |
| Average equity | $55,522,000 | 1,198 |
| Average total loans | $264,292,250 | 1,696 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 5,398 |
| Cost of funding earning assets | 1.8762% | 1,319 |
| Net interest margin | 3.0212% | 6,788 |
| Noninterest income to average assets | 0.4997% | 4,123 |
| Noninterest expense to average assets | 2.3516% | 6,216 |
| Loan and lease loss provision to assets | 0.2258% | 4,648 |
| Net operating income to assets | 0.6394% | 3,683 |
| Return on assets (ROA) | 0.7108% | 3,513 |
| Pretax return on assets | 0.8130% | 3,836 |
| Return on Equity (ROE) | 6.2029% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.2029% | 2,227 |
| Net charge-offs to loans | 0.2657% | 4,012 |
| Credit loss provision to net charge-offs | 151.4045% | 2,594 |
| Earnings coverage of net charge-offs (x) | 6.4157% | 2,459 |
| Efficiency ratio | 71.0686% | 3,975 |
| Assets per employee ($millions) | 3.4977% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 6,948 |
| Loan loss allowance to noncurrent loans | 139.0886% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 6,103 |
| Noncurrent loans to loans | 0.6010% | 6,038 |
| Net loans and leases to total assets | 54.0410% | 5,985 |
| Net loans and leases to deposits | 74.7015% | 4,567 |
| Net loans and leases to core deposits | 75.9949% | 5,195 |
| Total domestic deposits to total assets | 72.3426% | 7,152 |
| Equity capital to assets | 11.7520% | 2,246 |
| Core capital (leverage) ratio | 10.9646% | 2,267 |
| Tier 1 risk-based capital ratio | 21.8922% | 1,219 |
| Total risk-based capital ratio | 22.8121% | 1,242 |
| Memoranda: | ||
| Average total assets | $477,467,330 | 1,435 |
| Average earning assets | $443,868,000 | 1,393 |
| Average equity | $54,716,330 | 1,213 |
| Average total loans | $267,990,000 | 1,696 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 5,015 |
| Cost of funding earning assets | 1.9340% | 1,312 |
| Net interest margin | 3.0676% | 6,671 |
| Noninterest income to average assets | 0.3947% | 4,956 |
| Noninterest expense to average assets | 2.3430% | 6,274 |
| Loan and lease loss provision to assets | 0.2601% | 3,957 |
| Net operating income to assets | 0.5532% | 4,124 |
| Return on assets (ROA) | 0.6556% | 3,750 |
| Pretax return on assets | 0.7676% | 3,998 |
| Return on Equity (ROE) | 5.7942% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.7942% | 2,720 |
| Net charge-offs to loans | 0.2555% | 3,410 |
| Credit loss provision to net charge-offs | 178.7356% | 2,043 |
| Earnings coverage of net charge-offs (x) | 6.2356% | 2,260 |
| Efficiency ratio | 72.0607% | 3,920 |
| Assets per employee ($millions) | 3.5746% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 7,145 |
| Loan loss allowance to noncurrent loans | 139.9077% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 5,928 |
| Noncurrent loans to loans | 0.5674% | 6,166 |
| Net loans and leases to total assets | 56.1792% | 5,720 |
| Net loans and leases to deposits | 77.4180% | 4,141 |
| Net loans and leases to core deposits | 78.7048% | 4,931 |
| Total domestic deposits to total assets | 72.5661% | 7,210 |
| Equity capital to assets | 11.5915% | 2,299 |
| Core capital (leverage) ratio | 10.8486% | 2,338 |
| Tier 1 risk-based capital ratio | 21.3300% | 1,296 |
| Total risk-based capital ratio | 22.2231% | 1,319 |
| Memoranda: | ||
| Average total assets | $478,355,500 | 1,463 |
| Average earning assets | $445,299,000 | 1,426 |
| Average equity | $54,123,000 | 1,232 |
| Average total loans | $272,367,500 | 1,722 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 5,076 |
| Cost of funding earning assets | 2.2061% | 1,998 |
| Net interest margin | 3.1150% | 6,331 |
| Noninterest income to average assets | 0.4542% | 4,768 |
| Noninterest expense to average assets | 2.5492% | 5,956 |
| Loan and lease loss provision to assets | 0.2109% | 5,658 |
| Net operating income to assets | 0.4950% | 3,747 |
| Return on assets (ROA) | 0.6603% | 3,149 |
| Pretax return on assets | 0.7935% | 3,269 |
| Return on Equity (ROE) | 5.9084% | 3,249 |
| Retained earnings to average equity (ytd only) | 1.2132% | 4,191 |
| Net charge-offs to loans | 0.3221% | 4,625 |
| Credit loss provision to net charge-offs | 107.2572% | 5,164 |
| Earnings coverage of net charge-offs (x) | 4.0950% | 3,068 |
| Efficiency ratio | 75.9682% | 3,536 |
| Assets per employee ($millions) | 3.5916% | 4,801 |
| Cash dividends to net income (ytd only)* | 79.4660% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 7,346 |
| Loan loss allowance to noncurrent loans | 70.4190% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 5,341 |
| Noncurrent loans to loans | 1.0147% | 5,285 |
| Net loans and leases to total assets | 56.8306% | 5,849 |
| Net loans and leases to deposits | 79.1286% | 4,150 |
| Net loans and leases to core deposits | 90.6284% | 5,059 |
| Total domestic deposits to total assets | 71.8206% | 7,261 |
| Equity capital to assets | 11.0447% | 2,679 |
| Core capital (leverage) ratio | 10.3791% | 2,707 |
| Tier 1 risk-based capital ratio | 20.4076% | 1,388 |
| Total risk-based capital ratio | 21.2191% | 1,430 |
| Memoranda: | ||
| Average total assets | $476,467,600 | 1,456 |
| Average earning assets | $443,630,000 | 1,418 |
| Average equity | $53,246,600 | 1,244 |
| Average total loans | $290,928,600 | 1,647 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 4,995 |
| Cost of funding earning assets | 2.2483% | 2,193 |
| Net interest margin | 3.1427% | 6,202 |
| Noninterest income to average assets | 0.4278% | 5,067 |
| Noninterest expense to average assets | 2.5985% | 5,714 |
| Loan and lease loss provision to assets | 0.1622% | 5,730 |
| Net operating income to assets | 0.4927% | 4,013 |
| Return on assets (ROA) | 0.6411% | 3,517 |
| Pretax return on assets | 0.7721% | 3,618 |
| Return on Equity (ROE) | 5.7199% | 3,643 |
| Retained earnings to average equity (ytd only) | -0.5492% | 5,361 |
| Net charge-offs to loans | 0.3833% | 3,727 |
| Credit loss provision to net charge-offs | 68.2033% | 6,016 |
| Earnings coverage of net charge-offs (x) | 3.1773% | 3,652 |
| Efficiency ratio | 77.4491% | 3,246 |
| Assets per employee ($millions) | 3.5847% | 4,725 |
| Cash dividends to net income (ytd only)* | 109.6010% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 7,601 |
| Loan loss allowance to noncurrent loans | 69.5395% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 5,542 |
| Noncurrent loans to loans | 0.8438% | 5,607 |
| Net loans and leases to total assets | 57.2048% | 6,006 |
| Net loans and leases to deposits | 81.5135% | 4,112 |
| Net loans and leases to core deposits | 90.6279% | 5,382 |
| Total domestic deposits to total assets | 70.1784% | 7,401 |
| Equity capital to assets | 11.1008% | 2,924 |
| Core capital (leverage) ratio | 10.1890% | 3,074 |
| Tier 1 risk-based capital ratio | 20.3397% | 1,492 |
| Total risk-based capital ratio | 21.0228% | 1,562 |
| Memoranda: | ||
| Average total assets | $474,368,500 | 1,476 |
| Average earning assets | $441,683,750 | 1,441 |
| Average equity | $53,170,250 | 1,258 |
| Average total loans | $294,277,250 | 1,649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5013% | 4,621 |
| Cost of funding earning assets | 2.2899% | 2,392 |
| Net interest margin | 3.2115% | 5,874 |
| Noninterest income to average assets | 0.5009% | 4,437 |
| Noninterest expense to average assets | 2.5933% | 5,765 |
| Loan and lease loss provision to assets | 0.1179% | 5,953 |
| Net operating income to assets | 0.6144% | 3,623 |
| Return on assets (ROA) | 0.7532% | 3,134 |
| Pretax return on assets | 0.9519% | 3,171 |
| Return on Equity (ROE) | 6.6977% | 3,333 |
| Retained earnings to average equity (ytd only) | 6.6977% | 1,695 |
| Net charge-offs to loans | 0.1947% | 4,322 |
| Credit loss provision to net charge-offs | 95.1890% | 4,767 |
| Earnings coverage of net charge-offs (x) | 7.2199% | 2,476 |
| Efficiency ratio | 74.3380% | 3,983 |
| Assets per employee ($millions) | 3.2665% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 7,473 |
| Loan loss allowance to noncurrent loans | 92.7317% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 5,288 |
| Noncurrent loans to loans | 0.7299% | 5,782 |
| Net loans and leases to total assets | 57.7008% | 6,007 |
| Net loans and leases to deposits | 81.3358% | 4,334 |
| Net loans and leases to core deposits | 90.1635% | 5,520 |
| Total domestic deposits to total assets | 70.9415% | 7,374 |
| Equity capital to assets | 11.1192% | 2,820 |
| Core capital (leverage) ratio | 10.6096% | 2,727 |
| Tier 1 risk-based capital ratio | 21.7748% | 1,285 |
| Total risk-based capital ratio | 22.5865% | 1,312 |
| Memoranda: | ||
| Average total assets | $469,986,330 | 1,509 |
| Average earning assets | $437,059,000 | 1,478 |
| Average equity | $52,854,330 | 1,283 |
| Average total loans | $298,860,330 | 1,657 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5831% | 4,456 |
| Cost of funding earning assets | 2.3197% | 2,620 |
| Net interest margin | 3.2634% | 5,648 |
| Noninterest income to average assets | 0.3186% | 5,901 |
| Noninterest expense to average assets | 2.6257% | 5,341 |
| Loan and lease loss provision to assets | 0.0863% | 5,853 |
| Net operating income to assets | 0.4972% | 4,433 |
| Return on assets (ROA) | 0.7754% | 3,404 |
| Pretax return on assets | 0.9938% | 3,367 |
| Return on Equity (ROE) | 6.8544% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.8544% | 2,260 |
| Net charge-offs to loans | 0.2300% | 3,262 |
| Credit loss provision to net charge-offs | 56.4972% | 4,579 |
| Earnings coverage of net charge-offs (x) | 4.7345% | 2,823 |
| Efficiency ratio | 78.3707% | 3,106 |
| Assets per employee ($millions) | 3.1918% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 7,630 |
| Loan loss allowance to noncurrent loans | 91.0352% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 5,054 |
| Noncurrent loans to loans | 0.6789% | 5,708 |
| Net loans and leases to total assets | 62.9909% | 5,166 |
| Net loans and leases to deposits | 87.6346% | 3,348 |
| Net loans and leases to core deposits | 98.6927% | 4,680 |
| Total domestic deposits to total assets | 71.8790% | 7,226 |
| Equity capital to assets | 11.3119% | 2,712 |
| Core capital (leverage) ratio | 10.7600% | 2,689 |
| Tier 1 risk-based capital ratio | 21.4269% | 1,383 |
| Total risk-based capital ratio | 22.2123% | 1,428 |
| Memoranda: | ||
| Average total assets | $463,262,000 | 1,542 |
| Average earning assets | $430,226,000 | 1,511 |
| Average equity | $52,404,500 | 1,304 |
| Average total loans | $307,867,000 | 1,623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9623% | 5,744 |
| Cost of funding earning assets | 2.5251% | 4,072 |
| Net interest margin | 3.4373% | 5,519 |
| Noninterest income to average assets | 0.4349% | 5,171 |
| Noninterest expense to average assets | 2.5788% | 5,723 |
| Loan and lease loss provision to assets | 0.1456% | 5,495 |
| Net operating income to assets | 0.6768% | 3,996 |
| Return on assets (ROA) | 0.7730% | 3,396 |
| Pretax return on assets | 1.0495% | 3,212 |
| Return on Equity (ROE) | 6.5285% | 3,739 |
| Retained earnings to average equity (ytd only) | -15.4900% | 7,489 |
| Net charge-offs to loans | 0.1607% | 4,587 |
| Credit loss provision to net charge-offs | 125.7036% | 4,247 |
| Earnings coverage of net charge-offs (x) | 9.1989% | 2,736 |
| Efficiency ratio | 70.6075% | 4,225 |
| Assets per employee ($millions) | 3.1324% | 5,677 |
| Cash dividends to net income (ytd only)* | 337.2681% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 7,680 |
| Loan loss allowance to noncurrent loans | 38.6107% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 1.4261% | 3,350 |
| Noncurrent loans to loans | 1.5555% | 3,461 |
| Net loans and leases to total assets | 69.1918% | 4,208 |
| Net loans and leases to deposits | 96.5506% | 2,360 |
| Net loans and leases to core deposits | 105.6474% | 4,230 |
| Total domestic deposits to total assets | 71.6638% | 7,064 |
| Equity capital to assets | 11.3123% | 2,791 |
| Core capital (leverage) ratio | 10.8295% | 2,723 |
| Tier 1 risk-based capital ratio | 20.4897% | 1,536 |
| Total risk-based capital ratio | 21.2851% | 1,578 |
| Memoranda: | ||
| Average total assets | $460,300,400 | 1,490 |
| Average earning assets | $429,731,800 | 1,453 |
| Average equity | $54,499,800 | 1,236 |
| Average total loans | $331,650,400 | 1,463 |