Home > Preston State Bank > Performance and Condition Ratios
Preston State Bank, Performance and Condition Ratios
| 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 | 4.8969% | 931 |
| Cost of funding earning assets | 0.3736% | 3,997 |
| Net interest margin | 4.5234% | 713 |
| Noninterest income to average assets | 0.2643% | 5,239 |
| Noninterest expense to average assets | 3.8192% | 964 |
| Loan and lease loss provision to assets | -0.4169% | 6,424 |
| Net operating income to assets | 1.0597% | 2,129 |
| Return on assets (ROA) | 1.0590% | 2,188 |
| Pretax return on assets | 1.2433% | 2,474 |
| Return on Equity (ROE) | 5.3632% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.8294% | 4,226 |
| Net charge-offs to loans | -0.5766% | 6,410 |
| Credit loss provision to net charge-offs | 86.0585% | 2,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1967% | 1,639 |
| Assets per employee ($millions) | 4.7750% | 2,625 |
| Cash dividends to net income (ytd only)* | 47.2441% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 1,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8117% | 3,177 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 90.6203% | 53 |
| Net loans and leases to deposits | 115.9216% | 139 |
| Net loans and leases to core deposits | 121.4869% | 378 |
| Total domestic deposits to total assets | 78.1738% | 5,405 |
| Equity capital to assets | 19.9782% | 227 |
| Core capital (leverage) ratio | 20.0385% | 210 |
| Tier 1 risk-based capital ratio | 22.0000% | 1,223 |
| Total risk-based capital ratio | 23.2562% | 1,201 |
| Memoranda: | ||
| Average total assets | $119,921,200 | 4,181 |
| Average earning assets | $116,174,400 | 4,049 |
| Average equity | $23,679,800 | 2,784 |
| Average total loans | $100,767,800 | 3,401 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 1,011 |
| Cost of funding earning assets | 0.3728% | 4,099 |
| Net interest margin | 4.4857% | 761 |
| Noninterest income to average assets | 0.2077% | 5,690 |
| Noninterest expense to average assets | 3.7259% | 1,085 |
| Loan and lease loss provision to assets | -0.5553% | 6,539 |
| Net operating income to assets | 1.2682% | 1,465 |
| Return on assets (ROA) | 1.2682% | 1,524 |
| Pretax return on assets | 1.3804% | 2,082 |
| Return on Equity (ROE) | 6.4416% | 4,011 |
| Retained earnings to average equity (ytd only) | 3.0572% | 4,439 |
| Net charge-offs to loans | -0.7179% | 6,496 |
| Credit loss provision to net charge-offs | 94.3396% | 2,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8692% | 1,638 |
| Assets per employee ($millions) | 5.5288% | 1,699 |
| Cash dividends to net income (ytd only)* | 52.5394% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 1,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 3,428 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 83.7133% | 350 |
| Net loans and leases to deposits | 104.9906% | 365 |
| Net loans and leases to core deposits | 110.4227% | 726 |
| Total domestic deposits to total assets | 79.7341% | 5,166 |
| Equity capital to assets | 19.5021% | 249 |
| Core capital (leverage) ratio | 19.4014% | 233 |
| Tier 1 risk-based capital ratio | 22.7947% | 1,149 |
| Total risk-based capital ratio | 24.0518% | 1,120 |
| Memoranda: | ||
| Average total assets | $120,057,750 | 4,218 |
| Average earning assets | $116,248,000 | 4,080 |
| Average equity | $23,637,500 | 2,795 |
| Average total loans | $98,438,250 | 3,480 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 719 |
| Cost of funding earning assets | 0.3718% | 4,184 |
| Net interest margin | 4.6524% | 528 |
| Noninterest income to average assets | 0.1288% | 6,167 |
| Noninterest expense to average assets | 3.8433% | 919 |
| Loan and lease loss provision to assets | -0.8366% | 6,626 |
| Net operating income to assets | 1.5996% | 705 |
| Return on assets (ROA) | 1.5996% | 734 |
| Pretax return on assets | 1.6230% | 1,193 |
| Return on Equity (ROE) | 8.0984% | 3,037 |
| Retained earnings to average equity (ytd only) | 8.0984% | 1,290 |
| Net charge-offs to loans | -1.1935% | 6,586 |
| Credit loss provision to net charge-offs | 86.6551% | 2,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0141% | 1,627 |
| Assets per employee ($millions) | 5.6434% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 1,261 |
| Loan loss allowance to noncurrent loans | 817.1674% | 608 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 2,820 |
| Noncurrent loans to loans | 0.2519% | 5,254 |
| Net loans and leases to total assets | 72.9715% | 1,579 |
| Net loans and leases to deposits | 91.3626% | 1,230 |
| Net loans and leases to core deposits | 95.9480% | 1,603 |
| Total domestic deposits to total assets | 79.8702% | 5,271 |
| Equity capital to assets | 19.4372% | 240 |
| Core capital (leverage) ratio | 20.1724% | 191 |
| Tier 1 risk-based capital ratio | 25.4097% | 830 |
| Total risk-based capital ratio | 26.6696% | 812 |
| Memoranda: | ||
| Average total assets | $119,532,670 | 4,251 |
| Average earning assets | $115,640,330 | 4,115 |
| Average equity | $23,609,670 | 2,789 |
| Average total loans | $96,690,670 | 3,524 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5169% | 285 |
| Cost of funding earning assets | 0.3739% | 4,265 |
| Net interest margin | 5.1430% | 209 |
| Noninterest income to average assets | 0.1024% | 6,325 |
| Noninterest expense to average assets | 3.7433% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3342% | 1,138 |
| Return on assets (ROA) | 1.3342% | 1,178 |
| Pretax return on assets | 1.3342% | 1,979 |
| Return on Equity (ROE) | 6.6985% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.6985% | 2,191 |
| Net charge-offs to loans | -0.1498% | 6,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7231% | 3,199 |
| Assets per employee ($millions) | 5.3229% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 1,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 3,066 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 82.3011% | 336 |
| Net loans and leases to deposits | 103.8355% | 299 |
| Net loans and leases to core deposits | 109.7313% | 590 |
| Total domestic deposits to total assets | 79.2610% | 5,638 |
| Equity capital to assets | 20.1114% | 212 |
| Core capital (leverage) ratio | 19.8652% | 212 |
| Tier 1 risk-based capital ratio | 23.4509% | 1,080 |
| Total risk-based capital ratio | 24.7085% | 1,063 |
| Memoranda: | ||
| Average total assets | $117,222,000 | 4,332 |
| Average earning assets | $113,396,500 | 4,192 |
| Average equity | $23,348,500 | 2,809 |
| Average total loans | $98,785,500 | 3,494 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 979 |
| Cost of funding earning assets | 0.4495% | 4,121 |
| Net interest margin | 4.5176% | 716 |
| Noninterest income to average assets | 0.2464% | 5,579 |
| Noninterest expense to average assets | 3.6540% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8952% | 2,807 |
| Return on assets (ROA) | 0.8952% | 2,896 |
| Pretax return on assets | 0.9284% | 3,650 |
| Return on Equity (ROE) | 4.7880% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.7880% | 2,741 |
| Net charge-offs to loans | -0.2067% | 6,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7393% | 2,190 |
| Assets per employee ($millions) | 6.1758% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 1,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 3,187 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 83.0929% | 320 |
| Net loans and leases to deposits | 104.3885% | 311 |
| Net loans and leases to core deposits | 107.8789% | 701 |
| Total domestic deposits to total assets | 79.5996% | 5,532 |
| Equity capital to assets | 19.7254% | 225 |
| Core capital (leverage) ratio | 18.9030% | 244 |
| Tier 1 risk-based capital ratio | 23.2425% | 1,064 |
| Total risk-based capital ratio | 24.4997% | 1,039 |
| Memoranda: | ||
| Average total assets | $120,525,200 | 4,266 |
| Average earning assets | $115,680,800 | 4,140 |
| Average equity | $22,535,600 | 2,875 |
| Average total loans | $96,269,600 | 3,546 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 1,008 |
| Cost of funding earning assets | 0.4611% | 4,158 |
| Net interest margin | 4.5023% | 737 |
| Noninterest income to average assets | 0.1670% | 6,187 |
| Noninterest expense to average assets | 3.5783% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8803% | 2,933 |
| Return on assets (ROA) | 0.8803% | 3,047 |
| Pretax return on assets | 0.9023% | 3,871 |
| Return on Equity (ROE) | 4.7713% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.7713% | 3,255 |
| Net charge-offs to loans | -0.2248% | 6,671 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8626% | 2,119 |
| Assets per employee ($millions) | 5.7631% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 2,292 |
| Loan loss allowance to noncurrent loans | 1,225.3425% | 392 |
| Noncurrent assets plus other real estate owned to assets | 1.8418% | 2,214 |
| Noncurrent loans to loans | 0.1473% | 5,880 |
| Net loans and leases to total assets | 80.4356% | 501 |
| Net loans and leases to deposits | 99.8625% | 469 |
| Net loans and leases to core deposits | 105.2320% | 805 |
| Total domestic deposits to total assets | 80.5463% | 5,346 |
| Equity capital to assets | 18.8951% | 264 |
| Core capital (leverage) ratio | 18.6090% | 253 |
| Tier 1 risk-based capital ratio | 23.3901% | 1,083 |
| Total risk-based capital ratio | 24.6475% | 1,062 |
| Memoranda: | ||
| Average total assets | $121,321,250 | 4,292 |
| Average earning assets | $116,233,750 | 4,172 |
| Average equity | $22,383,000 | 2,912 |
| Average total loans | $95,504,750 | 3,589 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,933 |
| Cost of funding earning assets | 0.4595% | 4,318 |
| Net interest margin | 4.1130% | 1,506 |
| Noninterest income to average assets | 0.1334% | 6,389 |
| Noninterest expense to average assets | 3.5793% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4909% | 4,838 |
| Return on assets (ROA) | 0.4909% | 5,015 |
| Pretax return on assets | 0.4909% | 5,408 |
| Return on Equity (ROE) | 2.6821% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.6821% | 4,604 |
| Net charge-offs to loans | -0.2121% | 6,682 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9401% | 1,225 |
| Assets per employee ($millions) | 5.7145% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 2,723 |
| Loan loss allowance to noncurrent loans | 63.4827% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 4.1040% | 836 |
| Noncurrent loans to loans | 2.7009% | 1,686 |
| Net loans and leases to total assets | 82.5414% | 318 |
| Net loans and leases to deposits | 102.2229% | 324 |
| Net loans and leases to core deposits | 107.2745% | 671 |
| Total domestic deposits to total assets | 80.7465% | 5,409 |
| Equity capital to assets | 18.6410% | 279 |
| Core capital (leverage) ratio | 18.0824% | 284 |
| Tier 1 risk-based capital ratio | 22.4028% | 1,221 |
| Total risk-based capital ratio | 23.6596% | 1,200 |
| Memoranda: | ||
| Average total assets | $121,419,670 | 4,318 |
| Average earning assets | $116,216,000 | 4,197 |
| Average equity | $22,221,330 | 2,958 |
| Average total loans | $94,294,000 | 3,624 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,779 |
| Cost of funding earning assets | 0.4590% | 4,495 |
| Net interest margin | 3.8675% | 2,222 |
| Noninterest income to average assets | 0.1245% | 6,478 |
| Noninterest expense to average assets | 3.4751% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3472% | 5,367 |
| Return on assets (ROA) | 0.3472% | 5,511 |
| Pretax return on assets | 0.3472% | 5,731 |
| Return on Equity (ROE) | 1.9145% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.9145% | 5,042 |
| Net charge-offs to loans | -0.2548% | 6,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9169% | 1,071 |
| Assets per employee ($millions) | 5.4309% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 2,327 |
| Loan loss allowance to noncurrent loans | 56.8442% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 4.4661% | 836 |
| Noncurrent loans to loans | 3.3261% | 1,457 |
| Net loans and leases to total assets | 73.2237% | 1,180 |
| Net loans and leases to deposits | 90.3978% | 933 |
| Net loans and leases to core deposits | 94.6000% | 1,301 |
| Total domestic deposits to total assets | 81.0017% | 5,495 |
| Equity capital to assets | 18.5823% | 298 |
| Core capital (leverage) ratio | 17.9450% | 287 |
| Tier 1 risk-based capital ratio | 25.3537% | 852 |
| Total risk-based capital ratio | 26.6128% | 837 |
| Memoranda: | ||
| Average total assets | $122,127,500 | 4,343 |
| Average earning assets | $116,766,500 | 4,222 |
| Average equity | $22,147,000 | 3,008 |
| Average total loans | $91,050,500 | 3,721 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 3,603 |
| Cost of funding earning assets | 0.5323% | 4,979 |
| Net interest margin | 3.9203% | 2,741 |
| Noninterest income to average assets | 0.1524% | 6,273 |
| Noninterest expense to average assets | 4.0410% | 933 |
| Loan and lease loss provision to assets | -0.6451% | 7,054 |
| Net operating income to assets | 0.4089% | 5,063 |
| Return on assets (ROA) | 0.4089% | 5,319 |
| Pretax return on assets | 0.4089% | 5,551 |
| Return on Equity (ROE) | 2.3311% | 5,812 |
| Retained earnings to average equity (ytd only) | 2.3311% | 4,593 |
| Net charge-offs to loans | -1.3551% | 7,032 |
| Credit loss provision to net charge-offs | 67.2834% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2103% | 406 |
| Assets per employee ($millions) | 5.6716% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 2,753 |
| Loan loss allowance to noncurrent loans | 49.3633% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 4.7742% | 836 |
| Noncurrent loans to loans | 3.5490% | 1,395 |
| Net loans and leases to total assets | 73.1711% | 1,310 |
| Net loans and leases to deposits | 89.5423% | 1,118 |
| Net loans and leases to core deposits | 92.9925% | 1,556 |
| Total domestic deposits to total assets | 81.7168% | 5,186 |
| Equity capital to assets | 17.7053% | 348 |
| Core capital (leverage) ratio | 18.7300% | 244 |
| Tier 1 risk-based capital ratio | 22.9229% | 1,123 |
| Total risk-based capital ratio | 24.1789% | 1,105 |
| Memoranda: | ||
| Average total assets | $124,005,400 | 4,271 |
| Average earning assets | $115,526,800 | 4,223 |
| Average equity | $21,749,000 | 3,003 |
| Average total loans | $87,742,200 | 3,805 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 3,513 |
| Cost of funding earning assets | 0.5724% | 4,891 |
| Net interest margin | 3.9594% | 2,671 |
| Noninterest income to average assets | 0.1648% | 6,320 |
| Noninterest expense to average assets | 4.0458% | 880 |
| Loan and lease loss provision to assets | -0.6461% | 7,154 |
| Net operating income to assets | 0.4297% | 5,119 |
| Return on assets (ROA) | 0.4297% | 5,356 |
| Pretax return on assets | 0.4297% | 5,649 |
| Return on Equity (ROE) | 2.4557% | 5,895 |
| Retained earnings to average equity (ytd only) | 2.4557% | 5,101 |
| Net charge-offs to loans | -1.4683% | 7,127 |
| Credit loss provision to net charge-offs | 63.0252% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6524% | 392 |
| Assets per employee ($millions) | 5.0114% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8150% | 2,749 |
| Loan loss allowance to noncurrent loans | 41.4215% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 6.5378% | 573 |
| Noncurrent loans to loans | 4.3818% | 1,095 |
| Net loans and leases to total assets | 78.0655% | 724 |
| Net loans and leases to deposits | 97.9805% | 543 |
| Net loans and leases to core deposits | 103.3875% | 905 |
| Total domestic deposits to total assets | 79.6746% | 5,734 |
| Equity capital to assets | 19.9427% | 242 |
| Core capital (leverage) ratio | 17.3244% | 347 |
| Tier 1 risk-based capital ratio | 23.5584% | 1,082 |
| Total risk-based capital ratio | 24.8146% | 1,062 |
| Memoranda: | ||
| Average total assets | $123,812,750 | 4,316 |
| Average earning assets | $114,593,750 | 4,276 |
| Average equity | $21,663,250 | 3,040 |
| Average total loans | $86,445,750 | 3,877 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 4,292 |
| Cost of funding earning assets | 0.5833% | 5,045 |
| Net interest margin | 3.7898% | 3,411 |
| Noninterest income to average assets | 0.1481% | 6,452 |
| Noninterest expense to average assets | 3.7527% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0810% | 6,414 |
| Return on assets (ROA) | -0.0810% | 6,526 |
| Pretax return on assets | -0.0810% | 6,506 |
| Return on Equity (ROE) | -0.4825% | 6,499 |
| Retained earnings to average equity (ytd only) | -0.4825% | 6,120 |
| Net charge-offs to loans | -0.2906% | 7,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2071% | 491 |
| Assets per employee ($millions) | 6.1130% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,751 |
| Loan loss allowance to noncurrent loans | 32.8596% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 6.2575% | 668 |
| Noncurrent loans to loans | 4.7437% | 1,079 |
| Net loans and leases to total assets | 67.1021% | 2,445 |
| Net loans and leases to deposits | 81.0213% | 2,224 |
| Net loans and leases to core deposits | 84.9751% | 2,565 |
| Total domestic deposits to total assets | 82.8204% | 4,816 |
| Equity capital to assets | 16.7730% | 473 |
| Core capital (leverage) ratio | 16.5403% | 408 |
| Tier 1 risk-based capital ratio | 22.7711% | 1,160 |
| Total risk-based capital ratio | 24.0235% | 1,144 |
| Memoranda: | ||
| Average total assets | $128,333,330 | 4,243 |
| Average earning assets | $119,320,670 | 4,189 |
| Average equity | $21,555,330 | 3,037 |
| Average total loans | $86,041,330 | 3,906 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 4,542 |
| Cost of funding earning assets | 0.6364% | 4,843 |
| Net interest margin | 3.7073% | 3,794 |
| Noninterest income to average assets | 0.1964% | 6,206 |
| Noninterest expense to average assets | 3.6255% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0031% | 6,409 |
| Return on assets (ROA) | 0.0031% | 6,522 |
| Pretax return on assets | 0.0031% | 6,524 |
| Return on Equity (ROE) | 0.0185% | 6,524 |
| Retained earnings to average equity (ytd only) | 0.0185% | 5,970 |
| Net charge-offs to loans | -0.1735% | 6,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9141% | 554 |
| Assets per employee ($millions) | 6.0474% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 4,338 |
| Loan loss allowance to noncurrent loans | 20.8361% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 8.0232% | 474 |
| Noncurrent loans to loans | 7.0057% | 637 |
| Net loans and leases to total assets | 67.8279% | 2,141 |
| Net loans and leases to deposits | 82.0315% | 1,933 |
| Net loans and leases to core deposits | 86.7094% | 2,210 |
| Total domestic deposits to total assets | 82.6851% | 5,046 |
| Equity capital to assets | 16.9786% | 434 |
| Core capital (leverage) ratio | 16.1830% | 443 |
| Tier 1 risk-based capital ratio | 22.5712% | 1,195 |
| Total risk-based capital ratio | 23.8223% | 1,175 |
| Memoranda: | ||
| Average total assets | $128,313,500 | 4,274 |
| Average earning assets | $118,792,500 | 4,229 |
| Average equity | $21,567,000 | 3,027 |
| Average total loans | $85,309,500 | 3,963 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 3,417 |
| Cost of funding earning assets | 0.9151% | 4,008 |
| Net interest margin | 3.9736% | 3,008 |
| Noninterest income to average assets | 0.2132% | 5,993 |
| Noninterest expense to average assets | 4.0440% | 971 |
| Loan and lease loss provision to assets | 0.0888% | 5,479 |
| Net operating income to assets | -0.2887% | 6,336 |
| Return on assets (ROA) | -0.2887% | 6,389 |
| Pretax return on assets | -0.2843% | 6,343 |
| Return on Equity (ROE) | -1.7902% | 6,319 |
| Retained earnings to average equity (ytd only) | -1.7902% | 6,131 |
| Net charge-offs to loans | 1.0507% | 1,655 |
| Credit loss provision to net charge-offs | 12.0361% | 5,997 |
| Earnings coverage of net charge-offs (x) | -0.2648% | 5,991 |
| Efficiency ratio | 105.0779% | 536 |
| Assets per employee ($millions) | 5.8924% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 4,076 |
| Loan loss allowance to noncurrent loans | 24.0489% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 8.6167% | 431 |
| Noncurrent loans to loans | 6.1919% | 785 |
| Net loans and leases to total assets | 63.2298% | 3,346 |
| Net loans and leases to deposits | 76.3000% | 3,131 |
| Net loans and leases to core deposits | 80.5634% | 3,378 |
| Total domestic deposits to total assets | 82.8700% | 4,801 |
| Equity capital to assets | 16.6410% | 502 |
| Core capital (leverage) ratio | 16.5753% | 408 |
| Tier 1 risk-based capital ratio | 23.9793% | 969 |
| Total risk-based capital ratio | 25.2319% | 954 |
| Memoranda: | ||
| Average total assets | $135,089,800 | 4,067 |
| Average earning assets | $123,591,200 | 4,062 |
| Average equity | $21,785,600 | 2,917 |
| Average total loans | $94,885,200 | 3,747 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 4,505 |
| Cost of funding earning assets | 0.9835% | 3,795 |
| Net interest margin | 3.7063% | 4,307 |
| Noninterest income to average assets | 0.1651% | 6,410 |
| Noninterest expense to average assets | 3.8537% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.3010% | 6,496 |
| Return on assets (ROA) | -0.3010% | 6,556 |
| Pretax return on assets | -0.3010% | 6,494 |
| Return on Equity (ROE) | -1.8804% | 6,470 |
| Retained earnings to average equity (ytd only) | -1.8804% | 6,282 |
| Net charge-offs to loans | 0.9011% | 1,775 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.4660% | 5,821 |
| Efficiency ratio | 108.4708% | 455 |
| Assets per employee ($millions) | 5.9348% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 3,506 |
| Loan loss allowance to noncurrent loans | 25.9636% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 9.9558% | 362 |
| Noncurrent loans to loans | 6.2963% | 857 |
| Net loans and leases to total assets | 70.2474% | 2,037 |
| Net loans and leases to deposits | 85.5917% | 1,738 |
| Net loans and leases to core deposits | 90.4451% | 2,195 |
| Total domestic deposits to total assets | 82.0727% | 5,065 |
| Equity capital to assets | 17.3745% | 450 |
| Core capital (leverage) ratio | 16.4777% | 447 |
| Tier 1 risk-based capital ratio | 22.8638% | 1,165 |
| Total risk-based capital ratio | 24.1175% | 1,145 |
| Memoranda: | ||
| Average total assets | $136,454,250 | 4,074 |
| Average earning assets | $124,721,250 | 4,069 |
| Average equity | $21,839,000 | 2,902 |
| Average total loans | $97,805,250 | 3,706 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 5,119 |
| Cost of funding earning assets | 0.9941% | 3,986 |
| Net interest margin | 3.5703% | 4,836 |
| Noninterest income to average assets | 0.1838% | 6,345 |
| Noninterest expense to average assets | 3.4460% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0071% | 6,208 |
| Return on assets (ROA) | 0.0071% | 6,289 |
| Pretax return on assets | 0.0071% | 6,259 |
| Return on Equity (ROE) | 0.0457% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.0457% | 5,815 |
| Net charge-offs to loans | 0.1727% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.0575% | 5,248 |
| Efficiency ratio | 99.7937% | 727 |
| Assets per employee ($millions) | 5.7851% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1061% | 2,109 |
| Loan loss allowance to noncurrent loans | 22.4248% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 13.7862% | 180 |
| Noncurrent loans to loans | 9.3919% | 428 |
| Net loans and leases to total assets | 74.1004% | 1,398 |
| Net loans and leases to deposits | 96.5223% | 687 |
| Net loans and leases to core deposits | 101.3356% | 1,222 |
| Total domestic deposits to total assets | 76.7702% | 6,485 |
| Equity capital to assets | 17.2222% | 465 |
| Core capital (leverage) ratio | 15.4082% | 600 |
| Tier 1 risk-based capital ratio | 21.1468% | 1,394 |
| Total risk-based capital ratio | 22.4066% | 1,372 |
| Memoranda: | ||
| Average total assets | $140,395,330 | 4,019 |
| Average earning assets | $128,561,000 | 4,022 |
| Average equity | $21,900,670 | 2,888 |
| Average total loans | $100,738,670 | 3,665 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 5,758 |
| Cost of funding earning assets | 1.0076% | 4,150 |
| Net interest margin | 3.3733% | 5,530 |
| Noninterest income to average assets | 0.2477% | 5,919 |
| Noninterest expense to average assets | 3.1057% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2586% | 5,586 |
| Return on assets (ROA) | 0.2586% | 5,650 |
| Pretax return on assets | 0.2586% | 5,784 |
| Return on Equity (ROE) | 1.7358% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.7358% | 5,080 |
| Net charge-offs to loans | -0.2875% | 7,333 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3139% | 1,141 |
| Assets per employee ($millions) | 6.5336% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2119% | 1,935 |
| Loan loss allowance to noncurrent loans | 20.2366% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 12.6792% | 229 |
| Noncurrent loans to loans | 10.9302% | 343 |
| Net loans and leases to total assets | 67.3582% | 2,683 |
| Net loans and leases to deposits | 84.7729% | 1,912 |
| Net loans and leases to core deposits | 88.3547% | 2,555 |
| Total domestic deposits to total assets | 79.4572% | 6,068 |
| Equity capital to assets | 15.2791% | 709 |
| Core capital (leverage) ratio | 15.1370% | 639 |
| Tier 1 risk-based capital ratio | 20.3632% | 1,511 |
| Total risk-based capital ratio | 21.6231% | 1,485 |
| Memoranda: | ||
| Average total assets | $146,957,000 | 3,932 |
| Average earning assets | $135,771,500 | 3,903 |
| Average equity | $21,891,500 | 2,880 |
| Average total loans | $102,939,000 | 3,642 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 5,777 |
| Cost of funding earning assets | 1.2761% | 4,046 |
| Net interest margin | 3.4313% | 5,511 |
| Noninterest income to average assets | 0.8368% | 2,112 |
| Noninterest expense to average assets | 3.1867% | 3,142 |
| Loan and lease loss provision to assets | 0.6826% | 2,414 |
| Net operating income to assets | 0.2133% | 5,240 |
| Return on assets (ROA) | 0.2128% | 5,403 |
| Pretax return on assets | 0.2128% | 5,464 |
| Return on Equity (ROE) | 1.7324% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.7324% | 4,648 |
| Net charge-offs to loans | 2.8956% | 592 |
| Credit loss provision to net charge-offs | 31.9064% | 6,478 |
| Earnings coverage of net charge-offs (x) | 0.4188% | 5,691 |
| Efficiency ratio | 78.0549% | 2,703 |
| Assets per employee ($millions) | 6.8261% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 2,354 |
| Loan loss allowance to noncurrent loans | 18.4240% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 11.3841% | 319 |
| Noncurrent loans to loans | 10.7469% | 368 |
| Net loans and leases to total assets | 69.7533% | 2,583 |
| Net loans and leases to deposits | 87.0503% | 1,932 |
| Net loans and leases to core deposits | 91.0824% | 2,608 |
| Total domestic deposits to total assets | 80.1298% | 5,797 |
| Equity capital to assets | 14.5304% | 896 |
| Core capital (leverage) ratio | 14.3967% | 769 |
| Tier 1 risk-based capital ratio | 19.8950% | 1,501 |
| Total risk-based capital ratio | 21.1535% | 1,475 |
| Memoranda: | ||
| Average total assets | $175,790,400 | 3,443 |
| Average earning assets | $166,294,000 | 3,343 |
| Average equity | $21,588,800 | 2,934 |
| Average total loans | $129,885,400 | 3,125 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 6,065 |
| Cost of funding earning assets | 1.3365% | 4,000 |
| Net interest margin | 3.3531% | 5,835 |
| Noninterest income to average assets | 0.1603% | 6,716 |
| Noninterest expense to average assets | 2.9279% | 3,988 |
| Loan and lease loss provision to assets | 0.3659% | 3,705 |
| Net operating income to assets | 0.0483% | 5,888 |
| Return on assets (ROA) | 0.0483% | 6,021 |
| Pretax return on assets | 0.0483% | 6,006 |
| Return on Equity (ROE) | 0.4087% | 6,029 |
| Retained earnings to average equity (ytd only) | 0.4087% | 5,632 |
| Net charge-offs to loans | 2.4997% | 678 |
| Credit loss provision to net charge-offs | 19.6618% | 6,250 |
| Earnings coverage of net charge-offs (x) | 0.2226% | 5,787 |
| Efficiency ratio | 87.6067% | 1,483 |
| Assets per employee ($millions) | 6.5253% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3227% | 1,590 |
| Loan loss allowance to noncurrent loans | 18.8763% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 11.3973% | 307 |
| Noncurrent loans to loans | 12.3049% | 269 |
| Net loans and leases to total assets | 70.7299% | 2,555 |
| Net loans and leases to deposits | 87.1160% | 2,136 |
| Net loans and leases to core deposits | 89.9244% | 3,103 |
| Total domestic deposits to total assets | 81.1905% | 5,306 |
| Equity capital to assets | 13.8097% | 1,241 |
| Core capital (leverage) ratio | 12.4694% | 1,426 |
| Tier 1 risk-based capital ratio | 19.1119% | 1,726 |
| Total risk-based capital ratio | 20.3759% | 1,688 |
| Memoranda: | ||
| Average total assets | $182,194,250 | 3,392 |
| Average earning assets | $172,889,250 | 3,271 |
| Average equity | $21,530,750 | 2,980 |
| Average total loans | $135,639,750 | 3,061 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 5,879 |
| Cost of funding earning assets | 1.3438% | 4,226 |
| Net interest margin | 3.4319% | 5,509 |
| Noninterest income to average assets | 0.1678% | 6,705 |
| Noninterest expense to average assets | 2.8848% | 4,133 |
| Loan and lease loss provision to assets | 0.5243% | 2,692 |
| Net operating income to assets | 0.0178% | 6,055 |
| Return on assets (ROA) | 0.0178% | 6,158 |
| Pretax return on assets | 0.0178% | 6,125 |
| Return on Equity (ROE) | 0.1581% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.1581% | 5,685 |
| Net charge-offs to loans | 1.1926% | 1,590 |
| Credit loss provision to net charge-offs | 58.6166% | 5,237 |
| Earnings coverage of net charge-offs (x) | 0.6061% | 5,134 |
| Efficiency ratio | 84.1799% | 1,899 |
| Assets per employee ($millions) | 7.6942% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3575% | 613 |
| Loan loss allowance to noncurrent loans | 26.9090% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 10.0969% | 402 |
| Noncurrent loans to loans | 12.4774% | 256 |
| Net loans and leases to total assets | 67.3997% | 3,522 |
| Net loans and leases to deposits | 83.9223% | 2,882 |
| Net loans and leases to core deposits | 86.0316% | 3,826 |
| Total domestic deposits to total assets | 80.3120% | 5,627 |
| Equity capital to assets | 11.6581% | 2,313 |
| Core capital (leverage) ratio | 10.9405% | 2,282 |
| Tier 1 risk-based capital ratio | 17.1125% | 2,232 |
| Total risk-based capital ratio | 18.3902% | 2,181 |
| Memoranda: | ||
| Average total assets | $190,723,330 | 3,291 |
| Average earning assets | $181,124,330 | 3,181 |
| Average equity | $21,498,670 | 2,977 |
| Average total loans | $143,052,330 | 2,958 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 4,290 |
| Cost of funding earning assets | 1.3287% | 4,630 |
| Net interest margin | 3.8226% | 3,696 |
| Noninterest income to average assets | 0.1259% | 7,050 |
| Noninterest expense to average assets | 3.1050% | 3,246 |
| Loan and lease loss provision to assets | 0.6193% | 2,054 |
| Net operating income to assets | 0.0248% | 6,228 |
| Return on assets (ROA) | 0.0248% | 6,343 |
| Pretax return on assets | 0.0248% | 6,309 |
| Return on Equity (ROE) | 0.2234% | 6,344 |
| Retained earnings to average equity (ytd only) | 0.2234% | 5,736 |
| Net charge-offs to loans | 2.2559% | 753 |
| Credit loss provision to net charge-offs | 35.4191% | 4,732 |
| Earnings coverage of net charge-offs (x) | 0.3684% | 4,706 |
| Efficiency ratio | 82.8194% | 2,163 |
| Assets per employee ($millions) | 8.1281% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9101% | 888 |
| Loan loss allowance to noncurrent loans | 32.1827% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 8.3461% | 582 |
| Noncurrent loans to loans | 9.0424% | 533 |
| Net loans and leases to total assets | 70.6347% | 2,774 |
| Net loans and leases to deposits | 86.8280% | 2,445 |
| Net loans and leases to core deposits | 95.2944% | 2,665 |
| Total domestic deposits to total assets | 81.3502% | 5,326 |
| Equity capital to assets | 11.0276% | 2,733 |
| Core capital (leverage) ratio | 11.3841% | 1,976 |
| Tier 1 risk-based capital ratio | 15.5042% | 2,866 |
| Total risk-based capital ratio | 16.7755% | 2,801 |
| Memoranda: | ||
| Average total assets | $193,754,500 | 3,306 |
| Average earning assets | $183,645,000 | 3,212 |
| Average equity | $21,484,000 | 3,003 |
| Average total loans | $150,186,000 | 2,892 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 4,508 |
| Cost of funding earning assets | 1.9501% | 3,210 |
| Net interest margin | 3.4864% | 5,016 |
| Noninterest income to average assets | -0.1206% | 7,816 |
| Noninterest expense to average assets | 2.8332% | 4,821 |
| Loan and lease loss provision to assets | 3.1386% | 535 |
| Net operating income to assets | -2.3014% | 7,198 |
| Return on assets (ROA) | -2.3014% | 7,200 |
| Pretax return on assets | -2.7969% | 7,238 |
| Return on Equity (ROE) | -21.5278% | 7,190 |
| Retained earnings to average equity (ytd only) | -21.8725% | 7,172 |
| Net charge-offs to loans | 1.8410% | 1,353 |
| Credit loss provision to net charge-offs | 204.4239% | 1,892 |
| Earnings coverage of net charge-offs (x) | 0.2226% | 5,905 |
| Efficiency ratio | 89.2371% | 1,772 |
| Assets per employee ($millions) | 8.0181% | 511 |
| Cash dividends to net income (ytd only)* | -1.6015% | 7,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9517% | 807 |
| Loan loss allowance to noncurrent loans | 36.9256% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 8.1893% | 532 |
| Noncurrent loans to loans | 7.9936% | 629 |
| Net loans and leases to total assets | 79.9101% | 1,008 |
| Net loans and leases to deposits | 98.4570% | 1,056 |
| Net loans and leases to core deposits | 165.4082% | 281 |
| Total domestic deposits to total assets | 81.1625% | 5,285 |
| Equity capital to assets | 11.1497% | 2,581 |
| Core capital (leverage) ratio | 10.3514% | 2,738 |
| Tier 1 risk-based capital ratio | 14.1482% | 3,408 |
| Total risk-based capital ratio | 15.4205% | 3,354 |
| Memoranda: | ||
| Average total assets | $189,923,800 | 3,287 |
| Average earning assets | $179,528,400 | 3,218 |
| Average equity | $20,304,000 | 3,158 |
| Average total loans | $158,396,200 | 2,791 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4816% | 4,507 |
| Cost of funding earning assets | 2.0195% | 3,253 |
| Net interest margin | 3.4621% | 5,017 |
| Noninterest income to average assets | 0.0211% | 7,765 |
| Noninterest expense to average assets | 2.4680% | 6,187 |
| Loan and lease loss provision to assets | 2.8364% | 548 |
| Net operating income to assets | -2.0109% | 7,322 |
| Return on assets (ROA) | -2.0109% | 7,322 |
| Pretax return on assets | -2.0109% | 7,189 |
| Return on Equity (ROE) | -19.0176% | 7,339 |
| Retained earnings to average equity (ytd only) | -19.4839% | 7,320 |
| Net charge-offs to loans | 1.2274% | 1,667 |
| Credit loss provision to net charge-offs | 276.2003% | 1,529 |
| Earnings coverage of net charge-offs (x) | 0.8038% | 5,251 |
| Efficiency ratio | 74.9358% | 3,703 |
| Assets per employee ($millions) | 9.1262% | 353 |
| Cash dividends to net income (ytd only)* | -2.4518% | 7,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 1,036 |
| Loan loss allowance to noncurrent loans | 84.6634% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 4.6604% | 1,290 |
| Noncurrent loans to loans | 2.9793% | 2,537 |
| Net loans and leases to total assets | 80.8604% | 1,005 |
| Net loans and leases to deposits | 102.6635% | 870 |
| Net loans and leases to core deposits | 192.0926% | 126 |
| Total domestic deposits to total assets | 78.7625% | 5,877 |
| Equity capital to assets | 11.4326% | 2,649 |
| Core capital (leverage) ratio | 11.3639% | 2,145 |
| Tier 1 risk-based capital ratio | 13.8362% | 3,640 |
| Total risk-based capital ratio | 15.1026% | 3,577 |
| Memoranda: | ||
| Average total assets | $189,296,000 | 3,322 |
| Average earning assets | $178,921,000 | 3,252 |
| Average equity | $20,016,000 | 3,228 |
| Average total loans | $158,382,250 | 2,825 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3857% | 5,225 |
| Cost of funding earning assets | 2.1671% | 2,950 |
| Net interest margin | 3.2186% | 5,843 |
| Noninterest income to average assets | 0.0356% | 7,810 |
| Noninterest expense to average assets | 2.3939% | 6,481 |
| Loan and lease loss provision to assets | 1.9917% | 815 |
| Net operating income to assets | -1.3458% | 7,184 |
| Return on assets (ROA) | -1.3458% | 7,184 |
| Pretax return on assets | -1.3102% | 6,994 |
| Return on Equity (ROE) | -13.1115% | 7,231 |
| Retained earnings to average equity (ytd only) | -13.8470% | 7,175 |
| Net charge-offs to loans | 0.8210% | 2,046 |
| Credit loss provision to net charge-offs | 289.0454% | 1,615 |
| Earnings coverage of net charge-offs (x) | 0.9890% | 4,793 |
| Efficiency ratio | 77.8401% | 3,373 |
| Assets per employee ($millions) | 7.7887% | 542 |
| Cash dividends to net income (ytd only)* | -5.6090% | 7,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 2,259 |
| Loan loss allowance to noncurrent loans | 129.1496% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 3.6463% | 1,692 |
| Noncurrent loans to loans | 1.3350% | 4,545 |
| Net loans and leases to total assets | 86.6029% | 326 |
| Net loans and leases to deposits | 120.0509% | 235 |
| Net loans and leases to core deposits | 205.9291% | 104 |
| Total domestic deposits to total assets | 72.1385% | 7,227 |
| Equity capital to assets | 13.0644% | 1,671 |
| Core capital (leverage) ratio | 13.2205% | 1,357 |
| Tier 1 risk-based capital ratio | 14.9494% | 3,044 |
| Total risk-based capital ratio | 16.2054% | 2,981 |
| Memoranda: | ||
| Average total assets | $185,469,000 | 3,400 |
| Average earning assets | $175,168,670 | 3,327 |
| Average equity | $19,036,670 | 3,385 |
| Average total loans | $155,659,670 | 2,894 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 5,487 |
| Cost of funding earning assets | 2.3957% | 2,312 |
| Net interest margin | 2.9917% | 6,499 |
| Noninterest income to average assets | 0.1472% | 7,243 |
| Noninterest expense to average assets | 2.3904% | 6,226 |
| Loan and lease loss provision to assets | 0.1949% | 4,490 |
| Net operating income to assets | 0.2598% | 5,443 |
| Return on assets (ROA) | 0.2598% | 5,608 |
| Pretax return on assets | 0.3876% | 5,431 |
| Return on Equity (ROE) | 2.9368% | 5,398 |
| Retained earnings to average equity (ytd only) | 1.2237% | 5,151 |
| Net charge-offs to loans | 0.3388% | 2,734 |
| Credit loss provision to net charge-offs | 70.3125% | 4,345 |
| Earnings coverage of net charge-offs (x) | 2.1016% | 3,675 |
| Efficiency ratio | 80.4079% | 2,761 |
| Assets per employee ($millions) | 8.5016% | 419 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,724 |
| Loan loss allowance to noncurrent loans | 179.9097% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 2.8422% | 1,998 |
| Noncurrent loans to loans | 0.5913% | 5,917 |
| Net loans and leases to total assets | 79.2632% | 1,530 |
| Net loans and leases to deposits | 100.2936% | 1,374 |
| Net loans and leases to core deposits | 173.5278% | 300 |
| Total domestic deposits to total assets | 79.0312% | 5,715 |
| Equity capital to assets | 8.7668% | 5,670 |
| Core capital (leverage) ratio | 8.7612% | 5,043 |
| Tier 1 risk-based capital ratio | 10.6347% | 6,253 |
| Total risk-based capital ratio | 11.6753% | 6,381 |
| Memoranda: | ||
| Average total assets | $184,739,500 | 3,435 |
| Average earning assets | $174,481,500 | 3,358 |
| Average equity | $16,344,500 | 3,875 |
| Average total loans | $151,127,000 | 2,991 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0385% | 5,369 |
| Cost of funding earning assets | 2.6968% | 3,169 |
| Net interest margin | 3.3418% | 5,895 |
| Noninterest income to average assets | 0.1076% | 7,596 |
| Noninterest expense to average assets | 2.6753% | 5,359 |
| Loan and lease loss provision to assets | 0.3085% | 3,903 |
| Net operating income to assets | 0.1903% | 5,879 |
| Return on assets (ROA) | 0.2140% | 5,624 |
| Pretax return on assets | 0.3635% | 5,346 |
| Return on Equity (ROE) | 2.1997% | 5,544 |
| Retained earnings to average equity (ytd only) | 0.7865% | 4,749 |
| Net charge-offs to loans | 0.0338% | 6,344 |
| Credit loss provision to net charge-offs | 1,075.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,492 |
| Efficiency ratio | 80.8199% | 2,483 |
| Assets per employee ($millions) | 8.2929% | 419 |
| Cash dividends to net income (ytd only)* | 64.2458% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 5,478 |
| Loan loss allowance to noncurrent loans | 57.9134% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 3.4383% | 1,294 |
| Noncurrent loans to loans | 1.8490% | 2,987 |
| Net loans and leases to total assets | 82.6434% | 1,114 |
| Net loans and leases to deposits | 105.1671% | 1,205 |
| Net loans and leases to core deposits | 173.3021% | 353 |
| Total domestic deposits to total assets | 78.5830% | 5,519 |
| Equity capital to assets | 8.9299% | 5,460 |
| Core capital (leverage) ratio | 9.7240% | 3,740 |
| Tier 1 risk-based capital ratio | 10.6770% | 6,022 |
| Total risk-based capital ratio | 11.7499% | 6,090 |
| Memoranda: | ||
| Average total assets | $167,273,000 | 3,593 |
| Average earning assets | $160,303,400 | 3,468 |
| Average equity | $16,274,600 | 3,869 |
| Average total loans | $141,979,600 | 3,060 |