Home > Pine River Valley Bank > Performance and Condition Ratios
Pine River Valley Bank, 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 | 3.8303% | 3,955 |
| Cost of funding earning assets | 0.1618% | 5,764 |
| Net interest margin | 3.6685% | 2,840 |
| Noninterest income to average assets | 0.5062% | 3,333 |
| Noninterest expense to average assets | 4.1493% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4716% | 6,183 |
| Return on assets (ROA) | -0.4716% | 6,192 |
| Pretax return on assets | -0.4716% | 6,181 |
| Return on Equity (ROE) | -4.7568% | 6,187 |
| Retained earnings to average equity (ytd only) | -4.7568% | 6,007 |
| Net charge-offs to loans | 0.3343% | 786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -2.9196% | 3,798 |
| Efficiency ratio | 112.8235% | 149 |
| Assets per employee ($millions) | 3.6954% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3250% | 616 |
| Loan loss allowance to noncurrent loans | 360.6061% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 4.1318% | 314 |
| Noncurrent loans to loans | 0.6447% | 3,548 |
| Net loans and leases to total assets | 46.2820% | 5,224 |
| Net loans and leases to deposits | 51.6835% | 5,400 |
| Net loans and leases to core deposits | 54.4222% | 5,395 |
| Total domestic deposits to total assets | 89.5488% | 877 |
| Equity capital to assets | 9.5967% | 4,541 |
| Core capital (leverage) ratio | 9.0110% | 4,955 |
| Tier 1 risk-based capital ratio | 16.2847% | 2,714 |
| Total risk-based capital ratio | 17.5450% | 2,671 |
| Memoranda: | ||
| Average total assets | $138,673,670 | 3,802 |
| Average earning assets | $119,885,670 | 3,946 |
| Average equity | $13,748,670 | 4,088 |
| Average total loans | $67,009,330 | 4,241 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 3,795 |
| Cost of funding earning assets | 0.1708% | 5,764 |
| Net interest margin | 3.6867% | 2,668 |
| Noninterest income to average assets | 0.4151% | 3,879 |
| Noninterest expense to average assets | 3.9826% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3716% | 6,210 |
| Return on assets (ROA) | -0.3716% | 6,225 |
| Pretax return on assets | -0.3716% | 6,212 |
| Return on Equity (ROE) | -3.6874% | 6,233 |
| Retained earnings to average equity (ytd only) | -3.6874% | 5,843 |
| Net charge-offs to loans | -0.0654% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2894% | 192 |
| Assets per employee ($millions) | 3.5047% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4721% | 554 |
| Loan loss allowance to noncurrent loans | 175.2361% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 4.5125% | 299 |
| Noncurrent loans to loans | 1.4107% | 2,033 |
| Net loans and leases to total assets | 46.9973% | 5,120 |
| Net loans and leases to deposits | 52.6882% | 5,290 |
| Net loans and leases to core deposits | 55.1579% | 5,301 |
| Total domestic deposits to total assets | 89.1989% | 1,143 |
| Equity capital to assets | 9.9152% | 4,243 |
| Core capital (leverage) ratio | 9.3926% | 4,443 |
| Tier 1 risk-based capital ratio | 16.5817% | 2,652 |
| Total risk-based capital ratio | 17.8430% | 2,594 |
| Memoranda: | ||
| Average total assets | $137,798,500 | 3,841 |
| Average earning assets | $119,456,500 | 3,988 |
| Average equity | $13,885,000 | 4,086 |
| Average total loans | $67,245,000 | 4,258 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 3,124 |
| Cost of funding earning assets | 0.1931% | 5,810 |
| Net interest margin | 3.9565% | 2,023 |
| Noninterest income to average assets | 0.3957% | 4,210 |
| Noninterest expense to average assets | 4.2638% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.4556% | 6,287 |
| Return on assets (ROA) | -0.4570% | 6,288 |
| Pretax return on assets | -0.4570% | 6,276 |
| Return on Equity (ROE) | -4.5777% | 6,280 |
| Retained earnings to average equity (ytd only) | -4.5777% | 6,163 |
| Net charge-offs to loans | 0.0089% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -105.3333% | 4,959 |
| Efficiency ratio | 111.9629% | 193 |
| Assets per employee ($millions) | 3.3852% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4785% | 562 |
| Loan loss allowance to noncurrent loans | 258.8144% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 4.4805% | 347 |
| Noncurrent loans to loans | 0.9576% | 2,934 |
| Net loans and leases to total assets | 48.2069% | 5,131 |
| Net loans and leases to deposits | 54.2709% | 5,314 |
| Net loans and leases to core deposits | 56.8013% | 5,328 |
| Total domestic deposits to total assets | 88.8264% | 1,342 |
| Equity capital to assets | 10.2431% | 3,798 |
| Core capital (leverage) ratio | 9.2896% | 4,553 |
| Tier 1 risk-based capital ratio | 16.4708% | 2,724 |
| Total risk-based capital ratio | 17.7310% | 2,675 |
| Memoranda: | ||
| Average total assets | $138,726,800 | 3,827 |
| Average earning assets | $119,650,800 | 3,980 |
| Average equity | $13,849,600 | 4,051 |
| Average total loans | $67,224,600 | 4,258 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,383 |
| Cost of funding earning assets | 0.1949% | 5,875 |
| Net interest margin | 3.9037% | 2,222 |
| Noninterest income to average assets | 0.3115% | 4,953 |
| Noninterest expense to average assets | 4.2983% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.6191% | 6,397 |
| Return on assets (ROA) | -0.6210% | 6,399 |
| Pretax return on assets | -0.6210% | 6,388 |
| Return on Equity (ROE) | -6.2599% | 6,391 |
| Retained earnings to average equity (ytd only) | -6.2599% | 6,302 |
| Net charge-offs to loans | 0.0159% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -80.9728% | 4,684 |
| Efficiency ratio | 116.8268% | 149 |
| Assets per employee ($millions) | 3.0881% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 783 |
| Loan loss allowance to noncurrent loans | 522.7129% | 933 |
| Noncurrent assets plus other real estate owned to assets | 4.0506% | 478 |
| Noncurrent loans to loans | 0.4494% | 4,550 |
| Net loans and leases to total assets | 48.4844% | 5,154 |
| Net loans and leases to deposits | 54.2379% | 5,368 |
| Net loans and leases to core deposits | 58.0941% | 5,324 |
| Total domestic deposits to total assets | 89.3921% | 1,032 |
| Equity capital to assets | 9.6583% | 4,600 |
| Core capital (leverage) ratio | 9.1168% | 4,904 |
| Tier 1 risk-based capital ratio | 15.6048% | 3,259 |
| Total risk-based capital ratio | 16.8646% | 3,193 |
| Memoranda: | ||
| Average total assets | $139,556,500 | 3,833 |
| Average earning assets | $120,394,250 | 3,977 |
| Average equity | $13,844,500 | 4,070 |
| Average total loans | $67,297,000 | 4,296 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 3,178 |
| Cost of funding earning assets | 0.1995% | 5,920 |
| Net interest margin | 3.9441% | 1,994 |
| Noninterest income to average assets | 0.1197% | 6,200 |
| Noninterest expense to average assets | 4.0887% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.5767% | 6,453 |
| Return on assets (ROA) | -0.5796% | 6,455 |
| Pretax return on assets | -0.5796% | 6,442 |
| Return on Equity (ROE) | -5.7900% | 6,450 |
| Retained earnings to average equity (ytd only) | -5.7900% | 6,280 |
| Net charge-offs to loans | 0.0302% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -40.0000% | 4,353 |
| Efficiency ratio | 116.4204% | 172 |
| Assets per employee ($millions) | 2.9917% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5352% | 683 |
| Loan loss allowance to noncurrent loans | 494.0299% | 941 |
| Noncurrent assets plus other real estate owned to assets | 4.1299% | 495 |
| Noncurrent loans to loans | 0.5132% | 4,463 |
| Net loans and leases to total assets | 45.2503% | 5,441 |
| Net loans and leases to deposits | 50.7405% | 5,577 |
| Net loans and leases to core deposits | 54.2981% | 5,529 |
| Total domestic deposits to total assets | 89.1799% | 1,264 |
| Equity capital to assets | 9.9169% | 4,222 |
| Core capital (leverage) ratio | 9.4788% | 4,359 |
| Tier 1 risk-based capital ratio | 16.8060% | 2,705 |
| Total risk-based capital ratio | 18.0674% | 2,663 |
| Memoranda: | ||
| Average total assets | $138,724,000 | 3,869 |
| Average earning assets | $119,316,330 | 4,027 |
| Average equity | $13,886,000 | 4,066 |
| Average total loans | $66,219,000 | 4,345 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,834 |
| Cost of funding earning assets | 0.1999% | 5,999 |
| Net interest margin | 4.0117% | 1,718 |
| Noninterest income to average assets | -0.3455% | 6,704 |
| Noninterest expense to average assets | 4.0876% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.9958% | 6,573 |
| Return on assets (ROA) | -0.9958% | 6,571 |
| Pretax return on assets | -0.9958% | 6,559 |
| Return on Equity (ROE) | -9.9011% | 6,561 |
| Retained earnings to average equity (ytd only) | -9.9011% | 6,356 |
| Net charge-offs to loans | 0.0720% | 2,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -28.5833% | 3,630 |
| Efficiency ratio | 132.2066% | 112 |
| Assets per employee ($millions) | 2.9380% | 5,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4844% | 819 |
| Loan loss allowance to noncurrent loans | 638.2239% | 767 |
| Noncurrent assets plus other real estate owned to assets | 4.2908% | 526 |
| Noncurrent loans to loans | 0.3893% | 4,963 |
| Net loans and leases to total assets | 46.9870% | 5,233 |
| Net loans and leases to deposits | 52.7775% | 5,404 |
| Net loans and leases to core deposits | 55.8283% | 5,368 |
| Total domestic deposits to total assets | 89.0285% | 1,642 |
| Equity capital to assets | 10.0098% | 3,830 |
| Core capital (leverage) ratio | 9.6530% | 4,057 |
| Tier 1 risk-based capital ratio | 16.3887% | 2,954 |
| Total risk-based capital ratio | 17.6492% | 2,920 |
| Memoranda: | ||
| Average total assets | $137,781,500 | 3,925 |
| Average earning assets | $118,055,500 | 4,093 |
| Average equity | $13,857,000 | 4,070 |
| Average total loans | $66,688,000 | 4,366 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 3,675 |
| Cost of funding earning assets | 0.2712% | 5,821 |
| Net interest margin | 3.8450% | 2,485 |
| Noninterest income to average assets | 0.3851% | 4,551 |
| Noninterest expense to average assets | 4.0892% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4072% | 6,461 |
| Return on assets (ROA) | -0.4072% | 6,472 |
| Pretax return on assets | -0.4072% | 6,458 |
| Return on Equity (ROE) | -4.3037% | 6,464 |
| Retained earnings to average equity (ytd only) | -4.3037% | 6,332 |
| Net charge-offs to loans | 0.6967% | 927 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.1683% | 5,274 |
| Efficiency ratio | 111.0590% | 253 |
| Assets per employee ($millions) | 3.1245% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4910% | 834 |
| Loan loss allowance to noncurrent loans | 238.5387% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 5.1870% | 443 |
| Noncurrent loans to loans | 1.0443% | 3,422 |
| Net loans and leases to total assets | 47.4083% | 5,354 |
| Net loans and leases to deposits | 53.3726% | 5,520 |
| Net loans and leases to core deposits | 56.3085% | 5,510 |
| Total domestic deposits to total assets | 88.8251% | 1,733 |
| Equity capital to assets | 10.1049% | 3,630 |
| Core capital (leverage) ratio | 9.4603% | 4,322 |
| Tier 1 risk-based capital ratio | 16.7743% | 2,729 |
| Total risk-based capital ratio | 18.0346% | 2,674 |
| Memoranda: | ||
| Average total assets | $144,894,000 | 3,787 |
| Average earning assets | $124,240,200 | 3,965 |
| Average equity | $13,709,200 | 4,122 |
| Average total loans | $72,480,600 | 4,180 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 3,864 |
| Cost of funding earning assets | 0.2879% | 5,828 |
| Net interest margin | 3.7836% | 2,706 |
| Noninterest income to average assets | 0.3234% | 5,094 |
| Noninterest expense to average assets | 4.0240% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.4525% | 6,580 |
| Return on assets (ROA) | -0.4525% | 6,594 |
| Pretax return on assets | -0.4525% | 6,580 |
| Return on Equity (ROE) | -4.8595% | 6,597 |
| Retained earnings to average equity (ytd only) | -4.8595% | 6,488 |
| Net charge-offs to loans | 0.6117% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.4690% | 5,042 |
| Efficiency ratio | 112.6685% | 231 |
| Assets per employee ($millions) | 3.3833% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5975% | 833 |
| Loan loss allowance to noncurrent loans | 221.6707% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 5.0724% | 541 |
| Noncurrent loans to loans | 1.1718% | 3,478 |
| Net loans and leases to total assets | 46.1223% | 5,539 |
| Net loans and leases to deposits | 51.5361% | 5,744 |
| Net loans and leases to core deposits | 55.8675% | 5,635 |
| Total domestic deposits to total assets | 89.4952% | 1,300 |
| Equity capital to assets | 9.5590% | 4,477 |
| Core capital (leverage) ratio | 9.2195% | 4,805 |
| Tier 1 risk-based capital ratio | 16.1987% | 3,083 |
| Total risk-based capital ratio | 17.4607% | 3,040 |
| Memoranda: | ||
| Average total assets | $146,748,000 | 3,800 |
| Average earning assets | $125,979,000 | 3,963 |
| Average equity | $13,663,500 | 4,184 |
| Average total loans | $73,890,500 | 4,161 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 3,844 |
| Cost of funding earning assets | 0.3082% | 5,763 |
| Net interest margin | 3.7626% | 2,706 |
| Noninterest income to average assets | 0.1575% | 6,266 |
| Noninterest expense to average assets | 4.0276% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6436% | 6,678 |
| Return on assets (ROA) | -0.6436% | 6,693 |
| Pretax return on assets | -0.6436% | 6,673 |
| Return on Equity (ROE) | -6.9761% | 6,686 |
| Retained earnings to average equity (ytd only) | -6.9761% | 6,567 |
| Net charge-offs to loans | 0.7091% | 923 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.7669% | 4,757 |
| Efficiency ratio | 119.0206% | 192 |
| Assets per employee ($millions) | 3.1627% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5894% | 892 |
| Loan loss allowance to noncurrent loans | 107.8098% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 5.4597% | 540 |
| Noncurrent loans to loans | 2.4018% | 1,960 |
| Net loans and leases to total assets | 49.2590% | 5,190 |
| Net loans and leases to deposits | 55.2468% | 5,415 |
| Net loans and leases to core deposits | 59.7578% | 5,280 |
| Total domestic deposits to total assets | 89.1617% | 1,529 |
| Equity capital to assets | 9.9234% | 4,012 |
| Core capital (leverage) ratio | 9.4418% | 4,333 |
| Tier 1 risk-based capital ratio | 15.8210% | 3,304 |
| Total risk-based capital ratio | 17.0837% | 3,245 |
| Memoranda: | ||
| Average total assets | $146,042,330 | 3,839 |
| Average earning assets | $125,232,670 | 4,008 |
| Average equity | $13,474,670 | 4,246 |
| Average total loans | $75,023,670 | 4,135 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 3,641 |
| Cost of funding earning assets | 0.3283% | 5,734 |
| Net interest margin | 3.7931% | 2,475 |
| Noninterest income to average assets | -0.5905% | 6,992 |
| Noninterest expense to average assets | 3.9721% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.3094% | 6,865 |
| Return on assets (ROA) | -1.3094% | 6,870 |
| Pretax return on assets | -1.3094% | 6,860 |
| Return on Equity (ROE) | -14.7458% | 6,863 |
| Retained earnings to average equity (ytd only) | -14.7458% | 6,737 |
| Net charge-offs to loans | 1.3782% | 401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.8352% | 4,013 |
| Efficiency ratio | 149.1786% | 91 |
| Assets per employee ($millions) | 3.1454% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5682% | 1,045 |
| Loan loss allowance to noncurrent loans | 177.7467% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 4.9942% | 735 |
| Noncurrent loans to loans | 1.4449% | 3,396 |
| Net loans and leases to total assets | 50.0543% | 4,983 |
| Net loans and leases to deposits | 55.4897% | 5,297 |
| Net loans and leases to core deposits | 59.1725% | 5,229 |
| Total domestic deposits to total assets | 90.2045% | 931 |
| Equity capital to assets | 8.8023% | 5,711 |
| Core capital (leverage) ratio | 8.0826% | 6,065 |
| Tier 1 risk-based capital ratio | 13.6193% | 4,778 |
| Total risk-based capital ratio | 14.8814% | 4,740 |
| Memoranda: | ||
| Average total assets | $146,321,500 | 3,873 |
| Average earning assets | $125,492,000 | 4,035 |
| Average equity | $12,993,500 | 4,386 |
| Average total loans | $75,751,000 | 4,138 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 3,804 |
| Cost of funding earning assets | 0.4962% | 5,245 |
| Net interest margin | 3.9058% | 2,801 |
| Noninterest income to average assets | 0.2144% | 5,893 |
| Noninterest expense to average assets | 4.2503% | 718 |
| Loan and lease loss provision to assets | 0.1964% | 3,178 |
| Net operating income to assets | -0.7107% | 6,653 |
| Return on assets (ROA) | -0.3787% | 6,545 |
| Pretax return on assets | -0.4990% | 6,570 |
| Return on Equity (ROE) | -4.1235% | 6,558 |
| Retained earnings to average equity (ytd only) | -4.1235% | 6,370 |
| Net charge-offs to loans | 0.5185% | 2,170 |
| Credit loss provision to net charge-offs | 71.1864% | 4,120 |
| Earnings coverage of net charge-offs (x) | -2.6804% | 5,861 |
| Efficiency ratio | 121.0616% | 203 |
| Assets per employee ($millions) | 3.2164% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8120% | 813 |
| Loan loss allowance to noncurrent loans | 108.5543% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 6.6467% | 490 |
| Noncurrent loans to loans | 2.5904% | 2,043 |
| Net loans and leases to total assets | 50.6914% | 5,075 |
| Net loans and leases to deposits | 56.2674% | 5,421 |
| Net loans and leases to core deposits | 60.0082% | 5,362 |
| Total domestic deposits to total assets | 90.0902% | 905 |
| Equity capital to assets | 8.9562% | 5,572 |
| Core capital (leverage) ratio | 8.1557% | 6,035 |
| Tier 1 risk-based capital ratio | 13.6971% | 4,605 |
| Total risk-based capital ratio | 14.9624% | 4,542 |
| Memoranda: | ||
| Average total assets | $149,708,600 | 3,779 |
| Average earning assets | $126,349,600 | 3,974 |
| Average equity | $13,750,600 | 4,214 |
| Average total loans | $79,658,000 | 4,051 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 4,048 |
| Cost of funding earning assets | 0.5318% | 5,230 |
| Net interest margin | 3.8681% | 3,038 |
| Noninterest income to average assets | 0.3721% | 4,852 |
| Noninterest expense to average assets | 4.2801% | 664 |
| Loan and lease loss provision to assets | 0.2611% | 2,488 |
| Net operating income to assets | -0.4754% | 6,688 |
| Return on assets (ROA) | -0.2264% | 6,585 |
| Pretax return on assets | -0.5248% | 6,713 |
| Return on Equity (ROE) | -2.4503% | 6,599 |
| Retained earnings to average equity (ytd only) | -2.4503% | 6,442 |
| Net charge-offs to loans | 0.6859% | 1,608 |
| Credit loss provision to net charge-offs | 71.1864% | 3,876 |
| Earnings coverage of net charge-offs (x) | -1.7797% | 5,636 |
| Efficiency ratio | 117.9927% | 209 |
| Assets per employee ($millions) | 3.4228% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8165% | 873 |
| Loan loss allowance to noncurrent loans | 116.5414% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 7.5142% | 447 |
| Noncurrent loans to loans | 2.4167% | 2,383 |
| Net loans and leases to total assets | 47.5567% | 5,602 |
| Net loans and leases to deposits | 52.6683% | 5,922 |
| Net loans and leases to core deposits | 56.4300% | 5,858 |
| Total domestic deposits to total assets | 90.2946% | 681 |
| Equity capital to assets | 8.7654% | 6,052 |
| Core capital (leverage) ratio | 8.1626% | 6,177 |
| Tier 1 risk-based capital ratio | 13.4287% | 4,926 |
| Total risk-based capital ratio | 14.6925% | 4,878 |
| Memoranda: | ||
| Average total assets | $150,147,250 | 3,820 |
| Average earning assets | $126,362,250 | 4,009 |
| Average equity | $13,875,500 | 4,219 |
| Average total loans | $80,280,000 | 4,071 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 3,849 |
| Cost of funding earning assets | 0.5741% | 5,124 |
| Net interest margin | 3.9072% | 2,875 |
| Noninterest income to average assets | 0.4482% | 4,308 |
| Noninterest expense to average assets | 4.3354% | 632 |
| Loan and lease loss provision to assets | 0.3981% | 1,651 |
| Net operating income to assets | -0.5286% | 6,746 |
| Return on assets (ROA) | -0.3033% | 6,678 |
| Pretax return on assets | -0.6526% | 6,804 |
| Return on Equity (ROE) | -3.2229% | 6,688 |
| Retained earnings to average equity (ytd only) | -3.2229% | 6,490 |
| Net charge-offs to loans | 0.6564% | 1,685 |
| Credit loss provision to net charge-offs | 110.1124% | 2,480 |
| Earnings coverage of net charge-offs (x) | -1.6779% | 5,364 |
| Efficiency ratio | 116.2672% | 252 |
| Assets per employee ($millions) | 3.4540% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9157% | 854 |
| Loan loss allowance to noncurrent loans | 87.3962% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 7.7729% | 455 |
| Noncurrent loans to loans | 3.3362% | 1,745 |
| Net loans and leases to total assets | 50.7412% | 5,258 |
| Net loans and leases to deposits | 56.3735% | 5,608 |
| Net loans and leases to core deposits | 59.9459% | 5,593 |
| Total domestic deposits to total assets | 90.0090% | 917 |
| Equity capital to assets | 9.1264% | 5,554 |
| Core capital (leverage) ratio | 8.5925% | 5,530 |
| Tier 1 risk-based capital ratio | 13.1852% | 5,049 |
| Total risk-based capital ratio | 14.4494% | 5,015 |
| Memoranda: | ||
| Average total assets | $147,713,670 | 3,876 |
| Average earning assets | $124,028,000 | 4,077 |
| Average equity | $13,900,330 | 4,214 |
| Average total loans | $81,357,670 | 4,064 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 3,776 |
| Cost of funding earning assets | 0.5968% | 5,164 |
| Net interest margin | 3.9382% | 2,771 |
| Noninterest income to average assets | 0.4286% | 4,466 |
| Noninterest expense to average assets | 4.6517% | 481 |
| Loan and lease loss provision to assets | 0.5330% | 1,121 |
| Net operating income to assets | -0.8034% | 6,953 |
| Return on assets (ROA) | -0.3462% | 6,772 |
| Pretax return on assets | -0.7418% | 6,913 |
| Return on Equity (ROE) | -3.6219% | 6,783 |
| Retained earnings to average equity (ytd only) | -3.6219% | 6,457 |
| Net charge-offs to loans | 0.0972% | 3,556 |
| Credit loss provision to net charge-offs | 970.0000% | 363 |
| Earnings coverage of net charge-offs (x) | -16.8000% | 4,699 |
| Efficiency ratio | 124.7605% | 185 |
| Assets per employee ($millions) | 3.3163% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0550% | 793 |
| Loan loss allowance to noncurrent loans | 89.0778% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 8.4932% | 435 |
| Noncurrent loans to loans | 3.4296% | 1,828 |
| Net loans and leases to total assets | 53.5633% | 4,795 |
| Net loans and leases to deposits | 59.8215% | 5,170 |
| Net loans and leases to core deposits | 63.0312% | 5,219 |
| Total domestic deposits to total assets | 89.5386% | 1,345 |
| Equity capital to assets | 9.4657% | 4,861 |
| Core capital (leverage) ratio | 9.0022% | 4,839 |
| Tier 1 risk-based capital ratio | 13.5587% | 4,788 |
| Total risk-based capital ratio | 14.8254% | 4,760 |
| Memoranda: | ||
| Average total assets | $145,582,000 | 3,945 |
| Average earning assets | $121,985,000 | 4,153 |
| Average equity | $13,915,500 | 4,219 |
| Average total loans | $82,321,000 | 4,058 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 3,794 |
| Cost of funding earning assets | 0.8553% | 4,436 |
| Net interest margin | 3.9481% | 3,118 |
| Noninterest income to average assets | 0.6680% | 2,792 |
| Noninterest expense to average assets | 4.1895% | 818 |
| Loan and lease loss provision to assets | 0.2068% | 4,116 |
| Net operating income to assets | -0.2704% | 6,316 |
| Return on assets (ROA) | -0.1731% | 6,302 |
| Pretax return on assets | -0.2042% | 6,290 |
| Return on Equity (ROE) | -1.9747% | 6,334 |
| Retained earnings to average equity (ytd only) | -1.9747% | 6,156 |
| Net charge-offs to loans | 1.3518% | 1,221 |
| Credit loss provision to net charge-offs | 25.4304% | 5,847 |
| Earnings coverage of net charge-offs (x) | -0.1377% | 5,915 |
| Efficiency ratio | 102.7461% | 598 |
| Assets per employee ($millions) | 3.4583% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7243% | 1,060 |
| Loan loss allowance to noncurrent loans | 75.2713% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 8.3258% | 461 |
| Noncurrent loans to loans | 3.6193% | 1,763 |
| Net loans and leases to total assets | 56.2710% | 4,657 |
| Net loans and leases to deposits | 63.0225% | 5,118 |
| Net loans and leases to core deposits | 66.2050% | 5,233 |
| Total domestic deposits to total assets | 89.2872% | 1,373 |
| Equity capital to assets | 9.6518% | 4,671 |
| Core capital (leverage) ratio | 8.9391% | 4,880 |
| Tier 1 risk-based capital ratio | 13.2109% | 4,906 |
| Total risk-based capital ratio | 14.4769% | 4,871 |
| Memoranda: | ||
| Average total assets | $157,178,000 | 3,674 |
| Average earning assets | $135,737,200 | 3,824 |
| Average equity | $13,774,200 | 4,168 |
| Average total loans | $94,541,400 | 3,756 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 4,013 |
| Cost of funding earning assets | 0.9238% | 4,243 |
| Net interest margin | 3.8781% | 3,489 |
| Noninterest income to average assets | 0.6593% | 2,830 |
| Noninterest expense to average assets | 4.0941% | 903 |
| Loan and lease loss provision to assets | 0.2706% | 3,340 |
| Net operating income to assets | -0.2420% | 6,434 |
| Return on assets (ROA) | -0.1365% | 6,400 |
| Pretax return on assets | -0.1898% | 6,402 |
| Return on Equity (ROE) | -1.5945% | 6,438 |
| Retained earnings to average equity (ytd only) | -1.5945% | 6,243 |
| Net charge-offs to loans | 0.7478% | 2,068 |
| Credit loss provision to net charge-offs | 59.6330% | 4,815 |
| Earnings coverage of net charge-offs (x) | -0.1450% | 5,691 |
| Efficiency ratio | 101.6326% | 614 |
| Assets per employee ($millions) | 3.7570% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3015% | 660 |
| Loan loss allowance to noncurrent loans | 40.2611% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 9.3546% | 405 |
| Noncurrent loans to loans | 8.2003% | 527 |
| Net loans and leases to total assets | 58.8978% | 4,344 |
| Net loans and leases to deposits | 65.5754% | 4,961 |
| Net loans and leases to core deposits | 69.7646% | 4,978 |
| Total domestic deposits to total assets | 89.8169% | 965 |
| Equity capital to assets | 9.4105% | 5,229 |
| Core capital (leverage) ratio | 8.4424% | 5,785 |
| Tier 1 risk-based capital ratio | 12.4680% | 5,515 |
| Total risk-based capital ratio | 13.7416% | 5,490 |
| Memoranda: | ||
| Average total assets | $160,160,750 | 3,650 |
| Average earning assets | $139,136,750 | 3,783 |
| Average equity | $13,713,000 | 4,185 |
| Average total loans | $97,171,500 | 3,719 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 4,029 |
| Cost of funding earning assets | 0.8092% | 5,309 |
| Net interest margin | 4.0066% | 2,804 |
| Noninterest income to average assets | 0.7439% | 2,289 |
| Noninterest expense to average assets | 4.4392% | 637 |
| Loan and lease loss provision to assets | 0.3977% | 2,428 |
| Net operating income to assets | -0.4611% | 6,659 |
| Return on assets (ROA) | -0.4295% | 6,666 |
| Pretax return on assets | -0.5677% | 6,696 |
| Return on Equity (ROE) | -5.1732% | 6,726 |
| Retained earnings to average equity (ytd only) | -5.1732% | 6,581 |
| Net charge-offs to loans | 0.6865% | 2,125 |
| Credit loss provision to net charge-offs | 95.5882% | 3,286 |
| Earnings coverage of net charge-offs (x) | -0.5088% | 5,528 |
| Efficiency ratio | 105.0072% | 586 |
| Assets per employee ($millions) | 3.9957% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3811% | 656 |
| Loan loss allowance to noncurrent loans | 62.8922% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 7.5549% | 634 |
| Noncurrent loans to loans | 5.3760% | 1,185 |
| Net loans and leases to total assets | 59.1765% | 4,429 |
| Net loans and leases to deposits | 70.4100% | 4,382 |
| Net loans and leases to core deposits | 75.0096% | 4,436 |
| Total domestic deposits to total assets | 84.0456% | 4,325 |
| Equity capital to assets | 8.8287% | 5,784 |
| Core capital (leverage) ratio | 8.0690% | 6,212 |
| Tier 1 risk-based capital ratio | 11.4380% | 6,214 |
| Total risk-based capital ratio | 12.7091% | 6,189 |
| Memoranda: | ||
| Average total assets | $163,454,670 | 3,622 |
| Average earning assets | $142,116,670 | 3,756 |
| Average equity | $13,570,000 | 4,206 |
| Average total loans | $99,051,000 | 3,709 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 4,409 |
| Cost of funding earning assets | 0.8247% | 5,433 |
| Net interest margin | 3.8981% | 3,145 |
| Noninterest income to average assets | 0.7557% | 2,236 |
| Noninterest expense to average assets | 5.1917% | 309 |
| Loan and lease loss provision to assets | 0.7772% | 1,096 |
| Net operating income to assets | -1.3413% | 7,147 |
| Return on assets (ROA) | -1.2794% | 7,134 |
| Pretax return on assets | -1.7385% | 7,214 |
| Return on Equity (ROE) | -15.8801% | 7,164 |
| Retained earnings to average equity (ytd only) | -15.8801% | 7,067 |
| Net charge-offs to loans | 0.8646% | 1,528 |
| Credit loss provision to net charge-offs | 149.0826% | 1,918 |
| Earnings coverage of net charge-offs (x) | -2.0046% | 4,960 |
| Efficiency ratio | 125.2018% | 302 |
| Assets per employee ($millions) | 4.0129% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4293% | 646 |
| Loan loss allowance to noncurrent loans | 57.6096% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 7.4928% | 673 |
| Noncurrent loans to loans | 5.9527% | 1,066 |
| Net loans and leases to total assets | 58.7718% | 4,503 |
| Net loans and leases to deposits | 69.3889% | 4,450 |
| Net loans and leases to core deposits | 73.6570% | 4,571 |
| Total domestic deposits to total assets | 84.6992% | 4,182 |
| Equity capital to assets | 8.2635% | 6,207 |
| Core capital (leverage) ratio | 7.5536% | 6,695 |
| Tier 1 risk-based capital ratio | 11.0321% | 6,492 |
| Total risk-based capital ratio | 12.3027% | 6,455 |
| Memoranda: | ||
| Average total assets | $167,266,000 | 3,603 |
| Average earning assets | $145,508,500 | 3,719 |
| Average equity | $13,476,000 | 4,224 |
| Average total loans | $100,855,000 | 3,697 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 3,970 |
| Cost of funding earning assets | 1.2247% | 4,389 |
| Net interest margin | 3.9024% | 3,474 |
| Noninterest income to average assets | 0.6481% | 3,164 |
| Noninterest expense to average assets | 3.3235% | 2,661 |
| Loan and lease loss provision to assets | 1.1796% | 1,337 |
| Net operating income to assets | -0.1200% | 6,016 |
| Return on assets (ROA) | 0.0727% | 5,791 |
| Pretax return on assets | -0.1513% | 6,049 |
| Return on Equity (ROE) | 0.9397% | 5,718 |
| Retained earnings to average equity (ytd only) | 0.2384% | 5,458 |
| Net charge-offs to loans | 0.4461% | 3,829 |
| Credit loss provision to net charge-offs | 431.5476% | 543 |
| Earnings coverage of net charge-offs (x) | 2.6607% | 3,766 |
| Efficiency ratio | 82.0458% | 2,160 |
| Assets per employee ($millions) | 4.3505% | 3,111 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1166% | 788 |
| Loan loss allowance to noncurrent loans | 35.4356% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 8.2865% | 578 |
| Noncurrent loans to loans | 8.7952% | 541 |
| Net loans and leases to total assets | 57.9141% | 5,037 |
| Net loans and leases to deposits | 67.6514% | 5,149 |
| Net loans and leases to core deposits | 73.5418% | 5,035 |
| Total domestic deposits to total assets | 85.6067% | 3,551 |
| Equity capital to assets | 7.8659% | 6,626 |
| Core capital (leverage) ratio | 7.1151% | 6,964 |
| Tier 1 risk-based capital ratio | 10.6865% | 6,581 |
| Total risk-based capital ratio | 11.9538% | 6,534 |
| Memoranda: | ||
| Average total assets | $184,385,000 | 3,304 |
| Average earning assets | $160,772,600 | 3,435 |
| Average equity | $14,259,800 | 4,084 |
| Average total loans | $112,971,000 | 3,472 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2148% | 3,762 |
| Cost of funding earning assets | 1.2688% | 4,446 |
| Net interest margin | 3.9460% | 3,340 |
| Noninterest income to average assets | 0.6482% | 3,139 |
| Noninterest expense to average assets | 3.3151% | 2,529 |
| Loan and lease loss provision to assets | 0.3744% | 3,645 |
| Net operating income to assets | 0.2925% | 5,196 |
| Return on assets (ROA) | 0.4992% | 4,510 |
| Pretax return on assets | 0.6881% | 4,271 |
| Return on Equity (ROE) | 6.4801% | 3,585 |
| Retained earnings to average equity (ytd only) | 5.5544% | 2,619 |
| Net charge-offs to loans | 0.1562% | 5,065 |
| Credit loss provision to net charge-offs | 388.8889% | 791 |
| Earnings coverage of net charge-offs (x) | 8.0961% | 2,212 |
| Efficiency ratio | 80.9648% | 2,215 |
| Assets per employee ($millions) | 4.5090% | 2,892 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 2,814 |
| Loan loss allowance to noncurrent loans | 32.0897% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 5.9098% | 1,015 |
| Noncurrent loans to loans | 5.5862% | 1,180 |
| Net loans and leases to total assets | 56.7296% | 5,454 |
| Net loans and leases to deposits | 65.8510% | 5,678 |
| Net loans and leases to core deposits | 75.6530% | 5,098 |
| Total domestic deposits to total assets | 86.1484% | 3,005 |
| Equity capital to assets | 7.8546% | 6,900 |
| Core capital (leverage) ratio | 7.5830% | 6,780 |
| Tier 1 risk-based capital ratio | 11.6804% | 5,746 |
| Total risk-based capital ratio | 12.9350% | 5,719 |
| Memoranda: | ||
| Average total assets | $186,976,750 | 3,318 |
| Average earning assets | $163,299,500 | 3,432 |
| Average equity | $14,402,750 | 4,110 |
| Average total loans | $115,208,000 | 3,475 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 3,335 |
| Cost of funding earning assets | 1.3062% | 4,495 |
| Net interest margin | 4.0208% | 2,918 |
| Noninterest income to average assets | 0.6682% | 2,909 |
| Noninterest expense to average assets | 3.2571% | 2,703 |
| Loan and lease loss provision to assets | 0.3760% | 3,457 |
| Net operating income to assets | 0.4021% | 4,747 |
| Return on assets (ROA) | 0.5436% | 4,273 |
| Pretax return on assets | 0.7348% | 4,126 |
| Return on Equity (ROE) | 7.1041% | 3,255 |
| Retained earnings to average equity (ytd only) | 5.7001% | 2,496 |
| Net charge-offs to loans | 0.0888% | 5,248 |
| Credit loss provision to net charge-offs | 673.0769% | 553 |
| Earnings coverage of net charge-offs (x) | 16.4615% | 1,402 |
| Efficiency ratio | 77.9835% | 2,729 |
| Assets per employee ($millions) | 4.4522% | 2,958 |
| Cash dividends to net income (ytd only)* | 19.7628% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 3,244 |
| Loan loss allowance to noncurrent loans | 113.6861% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 3.7638% | 1,857 |
| Noncurrent loans to loans | 1.4530% | 4,528 |
| Net loans and leases to total assets | 59.5090% | 5,154 |
| Net loans and leases to deposits | 69.1333% | 5,401 |
| Net loans and leases to core deposits | 80.6770% | 4,600 |
| Total domestic deposits to total assets | 86.0785% | 3,040 |
| Equity capital to assets | 7.8014% | 6,925 |
| Core capital (leverage) ratio | 7.7238% | 6,583 |
| Tier 1 risk-based capital ratio | 11.4243% | 5,849 |
| Total risk-based capital ratio | 12.6624% | 5,831 |
| Memoranda: | ||
| Average total assets | $186,176,000 | 3,359 |
| Average earning assets | $162,453,330 | 3,472 |
| Average equity | $14,245,330 | 4,147 |
| Average total loans | $117,145,670 | 3,458 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3556% | 3,267 |
| Cost of funding earning assets | 1.3236% | 4,665 |
| Net interest margin | 4.0320% | 2,734 |
| Noninterest income to average assets | 0.6524% | 2,921 |
| Noninterest expense to average assets | 3.0899% | 3,312 |
| Loan and lease loss provision to assets | 0.4306% | 2,802 |
| Net operating income to assets | 0.5084% | 4,349 |
| Return on assets (ROA) | 0.5275% | 4,388 |
| Pretax return on assets | 0.7127% | 4,189 |
| Return on Equity (ROE) | 6.9632% | 3,361 |
| Retained earnings to average equity (ytd only) | 4.1211% | 3,679 |
| Net charge-offs to loans | 0.0269% | 5,196 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 64.8750% | 472 |
| Efficiency ratio | 73.4391% | 3,683 |
| Assets per employee ($millions) | 3.9206% | 4,052 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 3,756 |
| Loan loss allowance to noncurrent loans | 221.2045% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 3.5866% | 1,955 |
| Noncurrent loans to loans | 0.6912% | 5,950 |
| Net loans and leases to total assets | 61.6154% | 4,832 |
| Net loans and leases to deposits | 71.4795% | 5,130 |
| Net loans and leases to core deposits | 79.6277% | 4,809 |
| Total domestic deposits to total assets | 86.2001% | 3,031 |
| Equity capital to assets | 7.7246% | 6,907 |
| Core capital (leverage) ratio | 7.5974% | 6,739 |
| Tier 1 risk-based capital ratio | 11.2610% | 5,891 |
| Total risk-based capital ratio | 12.5100% | 5,853 |
| Memoranda: | ||
| Average total assets | $185,768,000 | 3,419 |
| Average earning assets | $163,790,000 | 3,499 |
| Average equity | $14,074,000 | 4,226 |
| Average total loans | $119,145,500 | 3,473 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6420% | 3,388 |
| Cost of funding earning assets | 1.6561% | 4,756 |
| Net interest margin | 3.9859% | 2,913 |
| Noninterest income to average assets | 0.7639% | 2,593 |
| Noninterest expense to average assets | 3.1994% | 3,379 |
| Loan and lease loss provision to assets | 1.2308% | 1,867 |
| Net operating income to assets | 0.0470% | 5,346 |
| Return on assets (ROA) | 0.3200% | 4,538 |
| Pretax return on assets | 0.2577% | 4,875 |
| Return on Equity (ROE) | 4.1740% | 4,012 |
| Retained earnings to average equity (ytd only) | 2.0015% | 3,699 |
| Net charge-offs to loans | 1.4022% | 1,787 |
| Credit loss provision to net charge-offs | 127.7778% | 4,051 |
| Earnings coverage of net charge-offs (x) | 1.2619% | 4,867 |
| Efficiency ratio | 72.4675% | 4,188 |
| Assets per employee ($millions) | 4.0710% | 3,672 |
| Cash dividends to net income (ytd only)* | 52.0478% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 4,888 |
| Loan loss allowance to noncurrent loans | 27.1658% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 3.6360% | 1,831 |
| Noncurrent loans to loans | 4.7020% | 1,490 |
| Net loans and leases to total assets | 64.8374% | 4,404 |
| Net loans and leases to deposits | 74.8899% | 4,894 |
| Net loans and leases to core deposits | 105.0755% | 3,446 |
| Total domestic deposits to total assets | 86.5769% | 2,719 |
| Equity capital to assets | 7.4300% | 7,097 |
| Core capital (leverage) ratio | 7.2923% | 6,993 |
| Tier 1 risk-based capital ratio | 10.9178% | 5,993 |
| Total risk-based capital ratio | 12.1630% | 5,973 |
| Memoranda: | ||
| Average total assets | $183,130,800 | 3,385 |
| Average earning assets | $167,742,800 | 3,388 |
| Average equity | $14,039,400 | 4,241 |
| Average total loans | $125,798,000 | 3,358 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 3,594 |
| Cost of funding earning assets | 1.7238% | 4,778 |
| Net interest margin | 3.9227% | 3,148 |
| Noninterest income to average assets | 0.7651% | 2,622 |
| Noninterest expense to average assets | 3.3395% | 2,769 |
| Loan and lease loss provision to assets | 0.2563% | 4,899 |
| Net operating income to assets | 0.5604% | 3,756 |
| Return on assets (ROA) | 0.5704% | 3,794 |
| Pretax return on assets | 0.7922% | 3,565 |
| Return on Equity (ROE) | 7.3816% | 2,916 |
| Retained earnings to average equity (ytd only) | 4.4914% | 2,761 |
| Net charge-offs to loans | 0.1781% | 4,970 |
| Credit loss provision to net charge-offs | 207.1006% | 2,140 |
| Earnings coverage of net charge-offs (x) | 8.3608% | 2,257 |
| Efficiency ratio | 76.3475% | 3,443 |
| Assets per employee ($millions) | 3.9982% | 3,736 |
| Cash dividends to net income (ytd only)* | 39.1531% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 6,337 |
| Loan loss allowance to noncurrent loans | 17.2028% | 7,228 |
| Noncurrent assets plus other real estate owned to assets | 4.2598% | 1,466 |
| Noncurrent loans to loans | 5.7741% | 1,055 |
| Net loans and leases to total assets | 65.5446% | 4,522 |
| Net loans and leases to deposits | 75.9599% | 5,052 |
| Net loans and leases to core deposits | 107.4046% | 3,544 |
| Total domestic deposits to total assets | 86.2885% | 2,549 |
| Equity capital to assets | 7.5868% | 7,233 |
| Core capital (leverage) ratio | 7.2402% | 7,231 |
| Tier 1 risk-based capital ratio | 10.7077% | 6,239 |
| Total risk-based capital ratio | 11.6752% | 6,495 |
| Memoranda: | ||
| Average total assets | $182,096,750 | 3,432 |
| Average earning assets | $167,534,250 | 3,412 |
| Average equity | $14,070,750 | 4,279 |
| Average total loans | $126,500,000 | 3,370 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 3,657 |
| Cost of funding earning assets | 1.7354% | 5,085 |
| Net interest margin | 3.9455% | 2,907 |
| Noninterest income to average assets | 0.7661% | 2,613 |
| Noninterest expense to average assets | 3.3675% | 2,732 |
| Loan and lease loss provision to assets | 0.2796% | 4,338 |
| Net operating income to assets | 0.5418% | 3,924 |
| Return on assets (ROA) | 0.5547% | 3,979 |
| Pretax return on assets | 0.7706% | 3,775 |
| Return on Equity (ROE) | 7.1328% | 3,149 |
| Retained earnings to average equity (ytd only) | 2.8905% | 3,719 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5379% | 3,592 |
| Assets per employee ($millions) | 3.9610% | 3,753 |
| Cash dividends to net income (ytd only)* | 59.4758% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 5,983 |
| Loan loss allowance to noncurrent loans | 19.7654% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 3.8869% | 1,548 |
| Noncurrent loans to loans | 5.2417% | 1,137 |
| Net loans and leases to total assets | 66.8702% | 4,386 |
| Net loans and leases to deposits | 77.2543% | 4,984 |
| Net loans and leases to core deposits | 110.7531% | 3,299 |
| Total domestic deposits to total assets | 86.5585% | 2,481 |
| Equity capital to assets | 7.3461% | 7,391 |
| Core capital (leverage) ratio | 7.5519% | 6,959 |
| Tier 1 risk-based capital ratio | 10.3323% | 6,560 |
| Total risk-based capital ratio | 11.3364% | 6,764 |
| Memoranda: | ||
| Average total assets | $178,825,000 | 3,504 |
| Average earning assets | $164,692,670 | 3,480 |
| Average equity | $13,907,670 | 4,325 |
| Average total loans | $126,316,670 | 3,415 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9342% | 2,628 |
| Cost of funding earning assets | 1.7019% | 5,587 |
| Net interest margin | 4.2322% | 1,795 |
| Noninterest income to average assets | 0.7299% | 2,705 |
| Noninterest expense to average assets | 3.4925% | 2,120 |
| Loan and lease loss provision to assets | 0.2310% | 4,144 |
| Net operating income to assets | 0.6486% | 3,806 |
| Return on assets (ROA) | 0.6652% | 3,907 |
| Pretax return on assets | 0.9239% | 3,625 |
| Return on Equity (ROE) | 8.3009% | 3,011 |
| Retained earnings to average equity (ytd only) | 1.5852% | 4,968 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5245% | 3,561 |
| Assets per employee ($millions) | 3.5223% | 4,763 |
| Cash dividends to net income (ytd only)* | 80.9028% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 6,628 |
| Loan loss allowance to noncurrent loans | 79.3150% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2179% | 4,244 |
| Noncurrent loans to loans | 1.1669% | 4,652 |
| Net loans and leases to total assets | 71.7807% | 3,289 |
| Net loans and leases to deposits | 83.9942% | 3,986 |
| Net loans and leases to core deposits | 113.4445% | 3,061 |
| Total domestic deposits to total assets | 85.4591% | 2,987 |
| Equity capital to assets | 7.9407% | 6,899 |
| Core capital (leverage) ratio | 7.8144% | 6,729 |
| Tier 1 risk-based capital ratio | 10.2247% | 6,686 |
| Total risk-based capital ratio | 11.1160% | 6,967 |
| Memoranda: | ||
| Average total assets | $173,173,500 | 3,601 |
| Average earning assets | $159,348,500 | 3,584 |
| Average equity | $13,878,000 | 4,365 |
| Average total loans | $125,240,000 | 3,454 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6063% | 2,457 |
| Cost of funding earning assets | 2.3458% | 4,943 |
| Net interest margin | 4.2605% | 2,090 |
| Noninterest income to average assets | 0.9304% | 1,853 |
| Noninterest expense to average assets | 3.4799% | 2,456 |
| Loan and lease loss provision to assets | 0.2284% | 4,608 |
| Net operating income to assets | 0.8015% | 3,431 |
| Return on assets (ROA) | 0.8201% | 3,189 |
| Pretax return on assets | 1.1390% | 2,881 |
| Return on Equity (ROE) | 10.4327% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.4899% | 1,337 |
| Net charge-offs to loans | 0.1319% | 4,899 |
| Credit loss provision to net charge-offs | 257.4324% | 1,800 |
| Earnings coverage of net charge-offs (x) | 15.1216% | 1,961 |
| Efficiency ratio | 72.1746% | 3,903 |
| Assets per employee ($millions) | 3.4741% | 4,738 |
| Cash dividends to net income (ytd only)* | 37.7924% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 6,776 |
| Loan loss allowance to noncurrent loans | 79.4269% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 4,011 |
| Noncurrent loans to loans | 1.1076% | 4,338 |
| Net loans and leases to total assets | 71.5503% | 3,680 |
| Net loans and leases to deposits | 80.6815% | 4,927 |
| Net loans and leases to core deposits | 107.9242% | 3,976 |
| Total domestic deposits to total assets | 88.6824% | 1,163 |
| Equity capital to assets | 8.0896% | 6,715 |
| Core capital (leverage) ratio | 7.7885% | 6,819 |
| Tier 1 risk-based capital ratio | 10.1982% | 6,519 |
| Total risk-based capital ratio | 11.0152% | 6,893 |
| Memoranda: | ||
| Average total assets | $166,814,000 | 3,600 |
| Average earning assets | $152,354,200 | 3,609 |
| Average equity | $13,112,600 | 4,538 |
| Average total loans | $112,195,000 | 3,633 |