Home > REGENTS BANK > Performance and Condition Ratios
REGENTS BANK, Performance and Condition Ratios
| 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 | 4.9469% | 1,009 |
| Cost of funding earning assets | 0.2164% | 6,393 |
| Net interest margin | 4.7305% | 478 |
| Noninterest income to average assets | 0.4709% | 4,020 |
| Noninterest expense to average assets | 3.7833% | 1,121 |
| Loan and lease loss provision to assets | 0.5031% | 542 |
| Net operating income to assets | 0.3259% | 5,500 |
| Return on assets (ROA) | 0.3343% | 5,633 |
| Pretax return on assets | 0.5695% | 5,135 |
| Return on Equity (ROE) | 2.5615% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.5615% | 4,673 |
| Net charge-offs to loans | 0.1483% | 2,919 |
| Credit loss provision to net charge-offs | 495.7929% | 562 |
| Earnings coverage of net charge-offs (x) | 10.4401% | 2,153 |
| Efficiency ratio | 76.6649% | 2,688 |
| Assets per employee ($millions) | 6.6017% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6378% | 6,571 |
| Loan loss allowance to noncurrent loans | 29.8917% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 1.5786% | 2,743 |
| Noncurrent loans to loans | 2.1338% | 2,247 |
| Net loans and leases to total assets | 72.4631% | 1,493 |
| Net loans and leases to deposits | 84.2101% | 1,772 |
| Net loans and leases to core deposits | 93.0907% | 1,604 |
| Total domestic deposits to total assets | 86.0504% | 3,339 |
| Equity capital to assets | 13.5086% | 1,131 |
| Core capital (leverage) ratio | 10.0997% | 3,373 |
| Tier 1 risk-based capital ratio | 13.0532% | 5,100 |
| Total risk-based capital ratio | 13.7073% | 5,473 |
| Memoranda: | ||
| Average total assets | $608,985,330 | 1,102 |
| Average earning assets | $562,821,670 | 1,085 |
| Average equity | $79,483,330 | 912 |
| Average total loans | $416,598,000 | 1,024 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 1,064 |
| Cost of funding earning assets | 0.2263% | 6,435 |
| Net interest margin | 4.6804% | 488 |
| Noninterest income to average assets | 0.7468% | 2,349 |
| Noninterest expense to average assets | 3.9884% | 898 |
| Loan and lease loss provision to assets | 0.5893% | 434 |
| Net operating income to assets | 0.2952% | 5,586 |
| Return on assets (ROA) | 0.3118% | 5,657 |
| Pretax return on assets | 0.5332% | 5,167 |
| Return on Equity (ROE) | 2.4290% | 5,804 |
| Retained earnings to average equity (ytd only) | 2.4290% | 4,814 |
| Net charge-offs to loans | 0.0643% | 3,178 |
| Credit loss provision to net charge-offs | 1,383.3333% | 236 |
| Earnings coverage of net charge-offs (x) | 25.7424% | 1,042 |
| Efficiency ratio | 77.0627% | 2,751 |
| Assets per employee ($millions) | 6.3149% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5635% | 6,745 |
| Loan loss allowance to noncurrent loans | 25.0239% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 1.5433% | 2,951 |
| Noncurrent loans to loans | 2.2519% | 2,328 |
| Net loans and leases to total assets | 67.2076% | 2,154 |
| Net loans and leases to deposits | 77.4007% | 2,433 |
| Net loans and leases to core deposits | 84.4341% | 2,277 |
| Total domestic deposits to total assets | 86.8307% | 3,060 |
| Equity capital to assets | 12.8797% | 1,483 |
| Core capital (leverage) ratio | 9.8002% | 3,663 |
| Tier 1 risk-based capital ratio | 13.2987% | 5,015 |
| Total risk-based capital ratio | 13.9089% | 5,421 |
| Memoranda: | ||
| Average total assets | $619,703,000 | 1,095 |
| Average earning assets | $574,399,000 | 1,072 |
| Average equity | $79,540,000 | 923 |
| Average total loans | $410,652,000 | 1,038 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 3,493 |
| Cost of funding earning assets | 0.1427% | 6,935 |
| Net interest margin | 4.3351% | 1,316 |
| Noninterest income to average assets | 0.2071% | 5,932 |
| Noninterest expense to average assets | 2.8844% | 3,700 |
| Loan and lease loss provision to assets | 0.8527% | 551 |
| Net operating income to assets | 0.2864% | 5,515 |
| Return on assets (ROA) | 0.3020% | 5,669 |
| Pretax return on assets | 0.5142% | 5,236 |
| Return on Equity (ROE) | 2.3368% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.3368% | 4,587 |
| Net charge-offs to loans | 0.7787% | 1,504 |
| Credit loss provision to net charge-offs | 176.6887% | 1,486 |
| Earnings coverage of net charge-offs (x) | 2.7821% | 4,040 |
| Efficiency ratio | 66.6531% | 4,387 |
| Assets per employee ($millions) | 6.3321% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3747% | 6,913 |
| Loan loss allowance to noncurrent loans | 16.3703% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 1.5077% | 3,126 |
| Noncurrent loans to loans | 2.2887% | 2,364 |
| Net loans and leases to total assets | 64.7037% | 2,771 |
| Net loans and leases to deposits | 74.6321% | 3,001 |
| Net loans and leases to core deposits | 80.4016% | 2,957 |
| Total domestic deposits to total assets | 86.6970% | 2,995 |
| Equity capital to assets | 12.7908% | 1,545 |
| Core capital (leverage) ratio | 13.2578% | 1,030 |
| Tier 1 risk-based capital ratio | 13.4744% | 4,766 |
| Total risk-based capital ratio | 13.9024% | 5,308 |
| Memoranda: | ||
| Average total assets | $407,993,000 | 1,606 |
| Average earning assets | $378,328,800 | 1,577 |
| Average equity | $52,721,800 | 1,352 |
| Average total loans | $252,868,400 | 1,631 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 2,357 |
| Cost of funding earning assets | 0.1438% | 7,047 |
| Net interest margin | 4.6658% | 726 |
| Noninterest income to average assets | 0.2333% | 5,882 |
| Noninterest expense to average assets | 3.0555% | 3,038 |
| Loan and lease loss provision to assets | 0.5080% | 1,201 |
| Net operating income to assets | 0.5973% | 4,412 |
| Return on assets (ROA) | 0.6226% | 4,535 |
| Pretax return on assets | 1.0374% | 3,575 |
| Return on Equity (ROE) | 4.7966% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.7966% | 3,517 |
| Net charge-offs to loans | 0.1362% | 4,028 |
| Credit loss provision to net charge-offs | 614.5455% | 434 |
| Earnings coverage of net charge-offs (x) | 18.2179% | 1,575 |
| Efficiency ratio | 65.4201% | 4,555 |
| Assets per employee ($millions) | 5.8460% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5068% | 6,947 |
| Loan loss allowance to noncurrent loans | 24.1468% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 3,709 |
| Noncurrent loans to loans | 2.0987% | 2,739 |
| Net loans and leases to total assets | 61.3162% | 3,510 |
| Net loans and leases to deposits | 71.2370% | 3,715 |
| Net loans and leases to core deposits | 76.7834% | 3,629 |
| Total domestic deposits to total assets | 86.0734% | 3,212 |
| Equity capital to assets | 13.4399% | 1,375 |
| Core capital (leverage) ratio | 11.0741% | 2,319 |
| Tier 1 risk-based capital ratio | 16.1453% | 3,195 |
| Total risk-based capital ratio | 16.7701% | 3,485 |
| Memoranda: | ||
| Average total assets | $354,853,750 | 1,849 |
| Average earning assets | $329,165,250 | 1,823 |
| Average equity | $46,059,000 | 1,523 |
| Average total loans | $215,328,250 | 1,894 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 2,003 |
| Cost of funding earning assets | 0.1410% | 7,132 |
| Net interest margin | 4.7849% | 572 |
| Noninterest income to average assets | 0.2441% | 5,824 |
| Noninterest expense to average assets | 2.8332% | 3,894 |
| Loan and lease loss provision to assets | 0.4490% | 1,432 |
| Net operating income to assets | 0.8351% | 3,218 |
| Return on assets (ROA) | 0.8515% | 3,405 |
| Pretax return on assets | 1.4186% | 2,134 |
| Return on Equity (ROE) | 6.6409% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.6409% | 2,306 |
| Net charge-offs to loans | 0.2088% | 3,316 |
| Credit loss provision to net charge-offs | 356.3063% | 822 |
| Earnings coverage of net charge-offs (x) | 14.6171% | 1,701 |
| Efficiency ratio | 59.1428% | 5,717 |
| Assets per employee ($millions) | 5.3937% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2741% | 7,130 |
| Loan loss allowance to noncurrent loans | 31.5061% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 5,496 |
| Noncurrent loans to loans | 0.8700% | 4,757 |
| Net loans and leases to total assets | 58.1531% | 4,131 |
| Net loans and leases to deposits | 67.5537% | 4,280 |
| Net loans and leases to core deposits | 72.7801% | 4,200 |
| Total domestic deposits to total assets | 86.0842% | 3,314 |
| Equity capital to assets | 13.5501% | 1,281 |
| Core capital (leverage) ratio | 11.1626% | 2,156 |
| Tier 1 risk-based capital ratio | 17.9982% | 2,288 |
| Total risk-based capital ratio | 18.3212% | 2,598 |
| Memoranda: | ||
| Average total assets | $352,321,330 | 1,862 |
| Average earning assets | $326,276,000 | 1,839 |
| Average equity | $45,174,330 | 1,544 |
| Average total loans | $212,646,670 | 1,925 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 6,285 |
| Cost of funding earning assets | 0.1164% | 7,234 |
| Net interest margin | 3.6659% | 3,978 |
| Noninterest income to average assets | 0.1872% | 6,259 |
| Noninterest expense to average assets | 2.2996% | 5,770 |
| Loan and lease loss provision to assets | 0.1141% | 3,926 |
| Net operating income to assets | 0.7133% | 3,816 |
| Return on assets (ROA) | 0.7133% | 4,033 |
| Pretax return on assets | 1.1892% | 2,953 |
| Return on Equity (ROE) | 5.7282% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.7282% | 3,128 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2743% | 5,225 |
| Assets per employee ($millions) | 5.7479% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0470% | 7,233 |
| Loan loss allowance to noncurrent loans | 4.8263% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 5,438 |
| Noncurrent loans to loans | 0.9731% | 4,734 |
| Net loans and leases to total assets | 59.7201% | 3,728 |
| Net loans and leases to deposits | 68.9923% | 3,878 |
| Net loans and leases to core deposits | 74.6982% | 3,799 |
| Total domestic deposits to total assets | 86.5606% | 3,202 |
| Equity capital to assets | 13.2874% | 1,325 |
| Core capital (leverage) ratio | 10.8637% | 2,370 |
| Tier 1 risk-based capital ratio | 16.8637% | 2,731 |
| Total risk-based capital ratio | 16.9248% | 3,321 |
| Memoranda: | ||
| Average total assets | $350,490,500 | 1,887 |
| Average earning assets | $326,579,500 | 1,845 |
| Average equity | $43,643,500 | 1,599 |
| Average total loans | $215,178,000 | 1,901 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 5,778 |
| Cost of funding earning assets | 0.2034% | 7,236 |
| Net interest margin | 4.0916% | 2,460 |
| Noninterest income to average assets | 0.2650% | 5,625 |
| Noninterest expense to average assets | 3.2116% | 2,825 |
| Loan and lease loss provision to assets | 0.1584% | 4,650 |
| Net operating income to assets | 0.4737% | 4,529 |
| Return on assets (ROA) | 0.4941% | 4,660 |
| Pretax return on assets | 0.8009% | 3,976 |
| Return on Equity (ROE) | 4.3192% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.3192% | 3,108 |
| Net charge-offs to loans | 0.2995% | 3,904 |
| Credit loss provision to net charge-offs | 83.6420% | 4,294 |
| Earnings coverage of net charge-offs (x) | 4.8981% | 2,949 |
| Efficiency ratio | 77.5927% | 2,647 |
| Assets per employee ($millions) | 5.7435% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5268% | 1,280 |
| Loan loss allowance to noncurrent loans | 410.0000% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 6,000 |
| Noncurrent loans to loans | 0.6163% | 5,479 |
| Net loans and leases to total assets | 61.5005% | 3,692 |
| Net loans and leases to deposits | 70.0302% | 4,095 |
| Net loans and leases to core deposits | 76.5216% | 3,905 |
| Total domestic deposits to total assets | 87.8199% | 2,266 |
| Equity capital to assets | 11.5884% | 2,437 |
| Core capital (leverage) ratio | 11.4075% | 1,961 |
| Tier 1 risk-based capital ratio | 17.4881% | 2,389 |
| Total risk-based capital ratio | 18.7539% | 2,346 |
| Memoranda: | ||
| Average total assets | $342,227,600 | 1,893 |
| Average earning assets | $324,031,400 | 1,823 |
| Average equity | $39,151,200 | 1,724 |
| Average total loans | $216,374,800 | 1,897 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 5,775 |
| Cost of funding earning assets | 0.2115% | 7,319 |
| Net interest margin | 4.1385% | 2,313 |
| Noninterest income to average assets | 0.2658% | 5,715 |
| Noninterest expense to average assets | 3.2120% | 2,796 |
| Loan and lease loss provision to assets | 0.2115% | 3,908 |
| Net operating income to assets | 0.4646% | 4,701 |
| Return on assets (ROA) | 0.4886% | 4,781 |
| Pretax return on assets | 0.7973% | 4,137 |
| Return on Equity (ROE) | 4.2851% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.2851% | 3,680 |
| Net charge-offs to loans | 0.4775% | 2,826 |
| Credit loss provision to net charge-offs | 70.0258% | 4,483 |
| Earnings coverage of net charge-offs (x) | 3.2158% | 3,536 |
| Efficiency ratio | 76.7796% | 2,707 |
| Assets per employee ($millions) | 5.9893% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5795% | 1,294 |
| Loan loss allowance to noncurrent loans | 302.9345% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 5,832 |
| Noncurrent loans to loans | 0.8515% | 5,165 |
| Net loans and leases to total assets | 57.3720% | 4,613 |
| Net loans and leases to deposits | 64.9160% | 5,058 |
| Net loans and leases to core deposits | 69.4913% | 5,010 |
| Total domestic deposits to total assets | 88.3788% | 1,820 |
| Equity capital to assets | 11.1840% | 2,974 |
| Core capital (leverage) ratio | 11.0111% | 2,376 |
| Tier 1 risk-based capital ratio | 17.9331% | 2,281 |
| Total risk-based capital ratio | 19.1992% | 2,238 |
| Memoranda: | ||
| Average total assets | $341,631,500 | 1,904 |
| Average earning assets | $323,393,500 | 1,837 |
| Average equity | $38,955,250 | 1,734 |
| Average total loans | $216,110,500 | 1,916 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 5,608 |
| Cost of funding earning assets | 0.2222% | 7,396 |
| Net interest margin | 4.2021% | 2,027 |
| Noninterest income to average assets | 0.2718% | 5,697 |
| Noninterest expense to average assets | 3.1855% | 2,953 |
| Loan and lease loss provision to assets | 0.3210% | 2,859 |
| Net operating income to assets | 0.4527% | 4,705 |
| Return on assets (ROA) | 0.4868% | 4,701 |
| Pretax return on assets | 0.7942% | 4,055 |
| Return on Equity (ROE) | 4.2408% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.2408% | 3,498 |
| Net charge-offs to loans | 0.8136% | 1,874 |
| Credit loss provision to net charge-offs | 60.8989% | 4,320 |
| Earnings coverage of net charge-offs (x) | 2.0146% | 3,858 |
| Efficiency ratio | 75.0000% | 3,175 |
| Assets per employee ($millions) | 5.6314% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4233% | 1,554 |
| Loan loss allowance to noncurrent loans | 143.6543% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 4,818 |
| Noncurrent loans to loans | 1.6869% | 3,898 |
| Net loans and leases to total assets | 59.6075% | 4,347 |
| Net loans and leases to deposits | 67.2233% | 4,823 |
| Net loans and leases to core deposits | 72.2856% | 4,781 |
| Total domestic deposits to total assets | 88.6710% | 1,737 |
| Equity capital to assets | 11.0288% | 2,920 |
| Core capital (leverage) ratio | 11.3609% | 2,004 |
| Tier 1 risk-based capital ratio | 17.0627% | 2,494 |
| Total risk-based capital ratio | 18.3260% | 2,463 |
| Memoranda: | ||
| Average total assets | $337,718,330 | 1,929 |
| Average earning assets | $319,509,670 | 1,866 |
| Average equity | $38,766,670 | 1,727 |
| Average total loans | $218,779,330 | 1,916 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 5,554 |
| Cost of funding earning assets | 0.2363% | 7,454 |
| Net interest margin | 4.2038% | 1,881 |
| Noninterest income to average assets | 0.2795% | 5,672 |
| Noninterest expense to average assets | 3.2808% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6105% | 3,982 |
| Return on assets (ROA) | 0.6805% | 3,672 |
| Pretax return on assets | 1.1070% | 2,732 |
| Return on Equity (ROE) | 5.8052% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.8052% | 2,753 |
| Net charge-offs to loans | -0.0200% | 6,572 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6828% | 3,037 |
| Assets per employee ($millions) | 5.6062% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5627% | 1,365 |
| Loan loss allowance to noncurrent loans | 144.8000% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 4,635 |
| Noncurrent loans to loans | 1.7699% | 3,864 |
| Net loans and leases to total assets | 63.4226% | 3,557 |
| Net loans and leases to deposits | 72.3725% | 4,009 |
| Net loans and leases to core deposits | 78.2068% | 3,989 |
| Total domestic deposits to total assets | 87.6335% | 2,590 |
| Equity capital to assets | 11.5638% | 2,215 |
| Core capital (leverage) ratio | 11.4672% | 1,866 |
| Tier 1 risk-based capital ratio | 16.7125% | 2,582 |
| Total risk-based capital ratio | 17.9772% | 2,546 |
| Memoranda: | ||
| Average total assets | $329,188,000 | 1,985 |
| Average earning assets | $313,143,000 | 1,909 |
| Average equity | $38,586,000 | 1,725 |
| Average total loans | $219,805,500 | 1,930 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 6,343 |
| Cost of funding earning assets | 0.2918% | 7,512 |
| Net interest margin | 4.2269% | 2,076 |
| Noninterest income to average assets | 0.2541% | 5,982 |
| Noninterest expense to average assets | 2.9466% | 4,049 |
| Loan and lease loss provision to assets | 0.9999% | 1,624 |
| Net operating income to assets | 0.1872% | 5,310 |
| Return on assets (ROA) | 0.1793% | 5,508 |
| Pretax return on assets | 0.3055% | 5,217 |
| Return on Equity (ROE) | 1.6849% | 5,499 |
| Retained earnings to average equity (ytd only) | 1.6849% | 4,673 |
| Net charge-offs to loans | 0.7242% | 2,845 |
| Credit loss provision to net charge-offs | 214.1205% | 1,421 |
| Earnings coverage of net charge-offs (x) | 2.8217% | 3,667 |
| Efficiency ratio | 69.0995% | 4,360 |
| Assets per employee ($millions) | 5.4577% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5378% | 1,369 |
| Loan loss allowance to noncurrent loans | 164.3675% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0581% | 4,889 |
| Noncurrent loans to loans | 1.5440% | 4,182 |
| Net loans and leases to total assets | 66.7892% | 3,279 |
| Net loans and leases to deposits | 76.3382% | 3,788 |
| Net loans and leases to core deposits | 83.0942% | 3,735 |
| Total domestic deposits to total assets | 87.4913% | 2,553 |
| Equity capital to assets | 11.8864% | 1,981 |
| Core capital (leverage) ratio | 10.9874% | 2,171 |
| Tier 1 risk-based capital ratio | 16.7285% | 2,447 |
| Total risk-based capital ratio | 17.9938% | 2,413 |
| Memoranda: | ||
| Average total assets | $351,834,000 | 1,859 |
| Average earning assets | $333,787,600 | 1,790 |
| Average equity | $37,451,000 | 1,766 |
| Average total loans | $226,875,800 | 1,926 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 6,681 |
| Cost of funding earning assets | 0.3040% | 7,636 |
| Net interest margin | 4.1604% | 2,361 |
| Noninterest income to average assets | 0.2475% | 6,123 |
| Noninterest expense to average assets | 2.9123% | 4,040 |
| Loan and lease loss provision to assets | 1.3055% | 1,063 |
| Net operating income to assets | -0.0247% | 6,048 |
| Return on assets (ROA) | -0.0252% | 6,174 |
| Pretax return on assets | -0.0356% | 6,144 |
| Return on Equity (ROE) | -0.2434% | 6,172 |
| Retained earnings to average equity (ytd only) | -0.2434% | 5,838 |
| Net charge-offs to loans | 1.0255% | 1,968 |
| Credit loss provision to net charge-offs | 200.2277% | 1,781 |
| Earnings coverage of net charge-offs (x) | 1.9488% | 4,245 |
| Efficiency ratio | 69.6238% | 4,147 |
| Assets per employee ($millions) | 5.5037% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4283% | 1,435 |
| Loan loss allowance to noncurrent loans | 2,354.5064% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 7,173 |
| Noncurrent loans to loans | 0.1031% | 6,977 |
| Net loans and leases to total assets | 64.6013% | 3,994 |
| Net loans and leases to deposits | 72.8929% | 4,708 |
| Net loans and leases to core deposits | 78.4501% | 4,748 |
| Total domestic deposits to total assets | 88.6249% | 1,608 |
| Equity capital to assets | 11.0038% | 2,961 |
| Core capital (leverage) ratio | 10.3968% | 2,805 |
| Tier 1 risk-based capital ratio | 16.0025% | 2,764 |
| Total risk-based capital ratio | 17.2660% | 2,703 |
| Memoranda: | ||
| Average total assets | $359,290,750 | 1,845 |
| Average earning assets | $339,862,000 | 1,788 |
| Average equity | $37,245,000 | 1,792 |
| Average total loans | $228,428,250 | 1,932 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 7,046 |
| Cost of funding earning assets | 0.3229% | 7,705 |
| Net interest margin | 3.9821% | 3,104 |
| Noninterest income to average assets | 0.2327% | 6,244 |
| Noninterest expense to average assets | 2.8649% | 4,208 |
| Loan and lease loss provision to assets | 1.9260% | 638 |
| Net operating income to assets | -0.4951% | 6,645 |
| Return on assets (ROA) | -0.4916% | 6,681 |
| Pretax return on assets | -0.7917% | 6,781 |
| Return on Equity (ROE) | -4.8352% | 6,684 |
| Retained earnings to average equity (ytd only) | -4.8352% | 6,536 |
| Net charge-offs to loans | 1.5406% | 1,239 |
| Credit loss provision to net charge-offs | 199.2072% | 1,983 |
| Earnings coverage of net charge-offs (x) | 1.1676% | 4,628 |
| Efficiency ratio | 71.7341% | 3,861 |
| Assets per employee ($millions) | 6.3500% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3075% | 1,573 |
| Loan loss allowance to noncurrent loans | 76.6583% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.8449% | 3,702 |
| Noncurrent loans to loans | 3.0101% | 2,670 |
| Net loans and leases to total assets | 59.8741% | 5,083 |
| Net loans and leases to deposits | 66.3498% | 5,765 |
| Net loans and leases to core deposits | 70.5841% | 5,819 |
| Total domestic deposits to total assets | 90.2400% | 798 |
| Equity capital to assets | 9.4631% | 4,762 |
| Core capital (leverage) ratio | 9.7320% | 3,494 |
| Tier 1 risk-based capital ratio | 14.7554% | 3,289 |
| Total risk-based capital ratio | 16.0172% | 3,257 |
| Memoranda: | ||
| Average total assets | $365,312,000 | 1,830 |
| Average earning assets | $345,045,670 | 1,773 |
| Average equity | $37,144,000 | 1,794 |
| Average total loans | $229,263,330 | 1,946 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 7,129 |
| Cost of funding earning assets | 0.3383% | 7,799 |
| Net interest margin | 3.9645% | 3,028 |
| Noninterest income to average assets | 0.2258% | 6,346 |
| Noninterest expense to average assets | 2.9794% | 3,751 |
| Loan and lease loss provision to assets | 0.9506% | 1,324 |
| Net operating income to assets | 0.0376% | 6,194 |
| Return on assets (ROA) | 0.0327% | 6,331 |
| Pretax return on assets | 0.0463% | 6,266 |
| Return on Equity (ROE) | 0.3103% | 6,324 |
| Retained earnings to average equity (ytd only) | 0.3103% | 5,704 |
| Net charge-offs to loans | -0.0231% | 7,110 |
| Credit loss provision to net charge-offs | -6,476.9231% | 6,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8016% | 3,440 |
| Assets per employee ($millions) | 6.0926% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 2,086 |
| Loan loss allowance to noncurrent loans | 52.8076% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.3725% | 3,058 |
| Noncurrent loans to loans | 3.8581% | 2,053 |
| Net loans and leases to total assets | 60.2422% | 5,083 |
| Net loans and leases to deposits | 67.3505% | 5,669 |
| Net loans and leases to core deposits | 72.4677% | 5,660 |
| Total domestic deposits to total assets | 89.4457% | 1,268 |
| Equity capital to assets | 10.2536% | 3,531 |
| Core capital (leverage) ratio | 10.4924% | 2,629 |
| Tier 1 risk-based capital ratio | 15.7285% | 2,762 |
| Total risk-based capital ratio | 16.9869% | 2,707 |
| Memoranda: | ||
| Average total assets | $354,294,000 | 1,937 |
| Average earning assets | $335,780,500 | 1,863 |
| Average equity | $37,388,500 | 1,798 |
| Average total loans | $225,195,500 | 2,035 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 6,099 |
| Cost of funding earning assets | 0.5461% | 7,806 |
| Net interest margin | 4.5509% | 1,071 |
| Noninterest income to average assets | 0.2680% | 6,196 |
| Noninterest expense to average assets | 2.8723% | 4,648 |
| Loan and lease loss provision to assets | 0.8941% | 2,514 |
| Net operating income to assets | 0.4951% | 3,745 |
| Return on assets (ROA) | 0.3981% | 4,239 |
| Pretax return on assets | 0.6689% | 3,688 |
| Return on Equity (ROE) | 4.1729% | 4,013 |
| Retained earnings to average equity (ytd only) | 4.1729% | 2,297 |
| Net charge-offs to loans | 1.3452% | 1,854 |
| Credit loss provision to net charge-offs | 87.3292% | 6,087 |
| Earnings coverage of net charge-offs (x) | 1.6748% | 4,481 |
| Efficiency ratio | 62.6187% | 6,035 |
| Assets per employee ($millions) | 5.9143% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 3,081 |
| Loan loss allowance to noncurrent loans | 42.9692% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 2.5272% | 2,768 |
| Noncurrent loans to loans | 3.8428% | 1,940 |
| Net loans and leases to total assets | 64.6783% | 4,450 |
| Net loans and leases to deposits | 72.9362% | 5,202 |
| Net loans and leases to core deposits | 81.2178% | 5,984 |
| Total domestic deposits to total assets | 88.6780% | 1,639 |
| Equity capital to assets | 10.8719% | 2,799 |
| Core capital (leverage) ratio | 10.6818% | 2,447 |
| Tier 1 risk-based capital ratio | 15.5963% | 2,676 |
| Total risk-based capital ratio | 16.8500% | 2,627 |
| Memoranda: | ||
| Average total assets | $314,523,000 | 2,136 |
| Average earning assets | $298,492,800 | 2,082 |
| Average equity | $30,003,200 | 2,228 |
| Average total loans | $239,376,400 | 1,957 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 5,688 |
| Cost of funding earning assets | 0.6007% | 7,886 |
| Net interest margin | 4.6490% | 910 |
| Noninterest income to average assets | 0.2767% | 6,258 |
| Noninterest expense to average assets | 2.8844% | 4,523 |
| Loan and lease loss provision to assets | 0.9447% | 2,037 |
| Net operating income to assets | 0.5537% | 3,775 |
| Return on assets (ROA) | 0.4346% | 4,361 |
| Pretax return on assets | 0.6758% | 3,943 |
| Return on Equity (ROE) | 4.7408% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.7408% | 2,635 |
| Net charge-offs to loans | 0.9905% | 1,986 |
| Credit loss provision to net charge-offs | 120.7317% | 4,202 |
| Earnings coverage of net charge-offs (x) | 2.3088% | 4,096 |
| Efficiency ratio | 61.4887% | 6,196 |
| Assets per employee ($millions) | 5.9529% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 2,001 |
| Loan loss allowance to noncurrent loans | 38.1982% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 3.6037% | 1,831 |
| Noncurrent loans to loans | 5.0062% | 1,322 |
| Net loans and leases to total assets | 70.6083% | 3,360 |
| Net loans and leases to deposits | 78.5207% | 4,656 |
| Net loans and leases to core deposits | 88.8986% | 5,543 |
| Total domestic deposits to total assets | 89.9231% | 797 |
| Equity capital to assets | 9.7159% | 4,478 |
| Core capital (leverage) ratio | 9.6905% | 3,660 |
| Tier 1 risk-based capital ratio | 13.0928% | 4,127 |
| Total risk-based capital ratio | 14.3502% | 4,055 |
| Memoranda: | ||
| Average total assets | $307,396,250 | 2,188 |
| Average earning assets | $291,869,750 | 2,128 |
| Average equity | $28,180,500 | 2,377 |
| Average total loans | $242,822,750 | 1,950 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 4,792 |
| Cost of funding earning assets | 0.6480% | 7,959 |
| Net interest margin | 4.8203% | 631 |
| Noninterest income to average assets | 0.2793% | 6,269 |
| Noninterest expense to average assets | 3.0200% | 4,006 |
| Loan and lease loss provision to assets | 0.8825% | 1,911 |
| Net operating income to assets | 0.6099% | 3,638 |
| Return on assets (ROA) | 0.4815% | 4,283 |
| Pretax return on assets | 0.7409% | 3,865 |
| Return on Equity (ROE) | 5.3689% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.3689% | 2,308 |
| Net charge-offs to loans | 0.7145% | 2,272 |
| Credit loss provision to net charge-offs | 151.4840% | 3,039 |
| Earnings coverage of net charge-offs (x) | 3.1256% | 3,562 |
| Efficiency ratio | 62.3849% | 6,187 |
| Assets per employee ($millions) | 5.7320% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 1,811 |
| Loan loss allowance to noncurrent loans | 79.9024% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8198% | 3,447 |
| Noncurrent loans to loans | 2.3713% | 3,051 |
| Net loans and leases to total assets | 75.2866% | 2,370 |
| Net loans and leases to deposits | 84.3580% | 3,815 |
| Net loans and leases to core deposits | 96.7571% | 4,817 |
| Total domestic deposits to total assets | 89.2466% | 1,146 |
| Equity capital to assets | 9.8754% | 4,115 |
| Core capital (leverage) ratio | 10.3969% | 2,904 |
| Tier 1 risk-based capital ratio | 12.5979% | 4,444 |
| Total risk-based capital ratio | 13.8548% | 4,358 |
| Memoranda: | ||
| Average total assets | $300,724,330 | 2,253 |
| Average earning assets | $284,589,330 | 2,201 |
| Average equity | $26,970,330 | 2,482 |
| Average total loans | $245,201,330 | 1,970 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5865% | 4,444 |
| Cost of funding earning assets | 0.6893% | 7,998 |
| Net interest margin | 4.8972% | 505 |
| Noninterest income to average assets | 0.2862% | 6,148 |
| Noninterest expense to average assets | 2.9360% | 4,030 |
| Loan and lease loss provision to assets | 1.6043% | 779 |
| Net operating income to assets | 0.2603% | 5,439 |
| Return on assets (ROA) | 0.2603% | 5,606 |
| Pretax return on assets | 0.3748% | 5,465 |
| Return on Equity (ROE) | 3.0696% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.0696% | 4,169 |
| Net charge-offs to loans | 0.9853% | 1,366 |
| Credit loss provision to net charge-offs | 193.5855% | 2,281 |
| Earnings coverage of net charge-offs (x) | 2.3882% | 3,535 |
| Efficiency ratio | 59.7338% | 6,441 |
| Assets per employee ($millions) | 5.1924% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 1,626 |
| Loan loss allowance to noncurrent loans | 84.2049% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.8867% | 3,081 |
| Noncurrent loans to loans | 2.2503% | 2,930 |
| Net loans and leases to total assets | 82.2533% | 976 |
| Net loans and leases to deposits | 90.0959% | 2,914 |
| Net loans and leases to core deposits | 101.8181% | 4,367 |
| Total domestic deposits to total assets | 91.2953% | 327 |
| Equity capital to assets | 8.4959% | 6,078 |
| Core capital (leverage) ratio | 8.9581% | 4,782 |
| Tier 1 risk-based capital ratio | 10.1582% | 6,753 |
| Total risk-based capital ratio | 11.4151% | 6,655 |
| Memoranda: | ||
| Average total assets | $293,457,500 | 2,311 |
| Average earning assets | $277,385,000 | 2,251 |
| Average equity | $24,889,000 | 2,663 |
| Average total loans | $246,836,500 | 1,979 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5846% | 2,555 |
| Cost of funding earning assets | 1.3783% | 7,761 |
| Net interest margin | 5.2063% | 337 |
| Noninterest income to average assets | 0.3427% | 5,995 |
| Noninterest expense to average assets | 3.0554% | 3,876 |
| Loan and lease loss provision to assets | 0.6145% | 2,370 |
| Net operating income to assets | 1.1141% | 2,090 |
| Return on assets (ROA) | 0.4220% | 4,884 |
| Pretax return on assets | 0.5998% | 4,692 |
| Return on Equity (ROE) | 5.2142% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.2142% | 1,904 |
| Net charge-offs to loans | 0.1230% | 5,011 |
| Credit loss provision to net charge-offs | 621.5548% | 693 |
| Earnings coverage of net charge-offs (x) | 22.2827% | 1,478 |
| Efficiency ratio | 58.1052% | 6,680 |
| Assets per employee ($millions) | 5.1044% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 1,956 |
| Loan loss allowance to noncurrent loans | 69.7082% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.0378% | 2,414 |
| Noncurrent loans to loans | 2.4148% | 2,270 |
| Net loans and leases to total assets | 82.9686% | 1,050 |
| Net loans and leases to deposits | 90.8826% | 3,303 |
| Net loans and leases to core deposits | 99.2852% | 4,899 |
| Total domestic deposits to total assets | 91.2920% | 250 |
| Equity capital to assets | 8.4664% | 6,146 |
| Core capital (leverage) ratio | 9.2043% | 4,431 |
| Tier 1 risk-based capital ratio | 10.2887% | 6,435 |
| Total risk-based capital ratio | 11.5433% | 6,303 |
| Memoranda: | ||
| Average total assets | $286,245,800 | 2,278 |
| Average earning assets | $270,266,800 | 2,230 |
| Average equity | $23,167,400 | 2,827 |
| Average total loans | $230,154,400 | 2,046 |