Home > Reliant Bank > Performance and Condition Ratios
Reliant Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 2,809 |
| Cost of funding earning assets | 0.3708% | 3,637 |
| Net interest margin | 3.7346% | 2,493 |
| Noninterest income to average assets | 1.7572% | 428 |
| Noninterest expense to average assets | 4.2953% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7185% | 3,708 |
| Return on assets (ROA) | 0.5298% | 4,660 |
| Pretax return on assets | 0.7029% | 4,580 |
| Return on Equity (ROE) | 5.5903% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.5903% | 2,728 |
| Net charge-offs to loans | -0.0643% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7837% | 1,787 |
| Assets per employee ($millions) | 2.8930% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 833 |
| Loan loss allowance to noncurrent loans | 225.2356% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9428% | 2,738 |
| Noncurrent loans to loans | 0.9655% | 2,844 |
| Net loans and leases to total assets | 70.2348% | 2,110 |
| Net loans and leases to deposits | 88.4919% | 1,562 |
| Net loans and leases to core deposits | 132.7201% | 220 |
| Total domestic deposits to total assets | 79.3686% | 5,196 |
| Equity capital to assets | 9.2874% | 4,987 |
| Core capital (leverage) ratio | 9.5285% | 4,229 |
| Tier 1 risk-based capital ratio | 10.9665% | 5,820 |
| Total risk-based capital ratio | 12.2240% | 5,748 |
| Memoranda: | ||
| Average total assets | $462,091,000 | 1,472 |
| Average earning assets | $435,816,500 | 1,440 |
| Average equity | $43,790,000 | 1,700 |
| Average total loans | $342,063,000 | 1,323 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 2,446 |
| Cost of funding earning assets | 0.4110% | 3,576 |
| Net interest margin | 3.9327% | 2,109 |
| Noninterest income to average assets | 1.0568% | 1,088 |
| Noninterest expense to average assets | 4.0491% | 713 |
| Loan and lease loss provision to assets | -0.3550% | 6,402 |
| Net operating income to assets | 0.6200% | 4,276 |
| Return on assets (ROA) | 0.9219% | 2,863 |
| Pretax return on assets | 1.3660% | 2,016 |
| Return on Equity (ROE) | 9.3635% | 2,409 |
| Retained earnings to average equity (ytd only) | 7.4836% | 1,199 |
| Net charge-offs to loans | -0.1016% | 6,114 |
| Credit loss provision to net charge-offs | 464.3963% | 566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6641% | 1,328 |
| Assets per employee ($millions) | 3.2589% | 5,333 |
| Cash dividends to net income (ytd only)* | 20.0770% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1407% | 900 |
| Loan loss allowance to noncurrent loans | 280.1143% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 3,074 |
| Noncurrent loans to loans | 0.7642% | 3,406 |
| Net loans and leases to total assets | 74.7413% | 1,457 |
| Net loans and leases to deposits | 100.5303% | 595 |
| Net loans and leases to core deposits | 143.6229% | 140 |
| Total domestic deposits to total assets | 74.3471% | 5,916 |
| Equity capital to assets | 9.6759% | 4,499 |
| Core capital (leverage) ratio | 9.7140% | 3,955 |
| Tier 1 risk-based capital ratio | 12.1870% | 5,239 |
| Total risk-based capital ratio | 13.4475% | 5,143 |
| Memoranda: | ||
| Average total assets | $422,486,000 | 1,570 |
| Average earning assets | $396,316,600 | 1,544 |
| Average equity | $41,597,600 | 1,725 |
| Average total loans | $317,815,600 | 1,362 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,407 |
| Cost of funding earning assets | 0.4176% | 3,603 |
| Net interest margin | 3.9364% | 2,088 |
| Noninterest income to average assets | 0.6463% | 2,590 |
| Noninterest expense to average assets | 3.7910% | 984 |
| Loan and lease loss provision to assets | -0.4009% | 6,507 |
| Net operating income to assets | 0.4849% | 4,927 |
| Return on assets (ROA) | 0.9344% | 2,845 |
| Pretax return on assets | 1.4081% | 1,980 |
| Return on Equity (ROE) | 9.4457% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.4457% | 858 |
| Net charge-offs to loans | -0.1156% | 6,184 |
| Credit loss provision to net charge-offs | 462.9630% | 614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7194% | 1,114 |
| Assets per employee ($millions) | 3.4732% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2172% | 923 |
| Loan loss allowance to noncurrent loans | 263.9860% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 3,180 |
| Noncurrent loans to loans | 0.8399% | 3,471 |
| Net loans and leases to total assets | 73.7474% | 1,565 |
| Net loans and leases to deposits | 95.8086% | 896 |
| Net loans and leases to core deposits | 131.8992% | 221 |
| Total domestic deposits to total assets | 76.9737% | 5,679 |
| Equity capital to assets | 9.5329% | 4,752 |
| Core capital (leverage) ratio | 9.6314% | 4,188 |
| Tier 1 risk-based capital ratio | 12.5429% | 5,143 |
| Total risk-based capital ratio | 13.8051% | 5,072 |
| Memoranda: | ||
| Average total assets | $415,673,750 | 1,604 |
| Average earning assets | $389,552,000 | 1,576 |
| Average equity | $41,118,000 | 1,746 |
| Average total loans | $311,396,750 | 1,395 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,611 |
| Cost of funding earning assets | 0.4115% | 3,753 |
| Net interest margin | 3.8789% | 2,257 |
| Noninterest income to average assets | 0.5325% | 3,252 |
| Noninterest expense to average assets | 3.4305% | 1,611 |
| Loan and lease loss provision to assets | -0.3715% | 6,553 |
| Net operating income to assets | 0.5935% | 4,386 |
| Return on assets (ROA) | 1.0235% | 2,296 |
| Pretax return on assets | 1.5505% | 1,392 |
| Return on Equity (ROE) | 10.2083% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.2083% | 677 |
| Net charge-offs to loans | -0.1286% | 6,219 |
| Credit loss provision to net charge-offs | 386.5979% | 712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6764% | 1,782 |
| Assets per employee ($millions) | 3.2429% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4857% | 731 |
| Loan loss allowance to noncurrent loans | 215.3971% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.1382% | 2,802 |
| Noncurrent loans to loans | 1.1540% | 2,924 |
| Net loans and leases to total assets | 71.9879% | 1,746 |
| Net loans and leases to deposits | 91.5156% | 1,213 |
| Net loans and leases to core deposits | 122.6141% | 326 |
| Total domestic deposits to total assets | 78.6619% | 5,521 |
| Equity capital to assets | 9.6288% | 4,588 |
| Core capital (leverage) ratio | 10.2972% | 3,218 |
| Tier 1 risk-based capital ratio | 12.2008% | 5,418 |
| Total risk-based capital ratio | 13.4643% | 5,330 |
| Memoranda: | ||
| Average total assets | $403,728,330 | 1,646 |
| Average earning assets | $377,629,000 | 1,616 |
| Average equity | $40,476,670 | 1,760 |
| Average total loans | $301,686,670 | 1,426 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 2,190 |
| Cost of funding earning assets | 0.4282% | 3,665 |
| Net interest margin | 3.9579% | 1,897 |
| Noninterest income to average assets | 0.4924% | 3,475 |
| Noninterest expense to average assets | 3.4024% | 1,697 |
| Loan and lease loss provision to assets | -0.5150% | 6,665 |
| Net operating income to assets | 0.7424% | 3,466 |
| Return on assets (ROA) | 1.1063% | 1,847 |
| Pretax return on assets | 1.6873% | 1,000 |
| Return on Equity (ROE) | 10.7956% | 1,757 |
| Retained earnings to average equity (ytd only) | 10.7956% | 785 |
| Net charge-offs to loans | -0.1794% | 6,350 |
| Credit loss provision to net charge-offs | 381.6794% | 674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4626% | 2,139 |
| Assets per employee ($millions) | 4.3084% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7638% | 569 |
| Loan loss allowance to noncurrent loans | 243.4666% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 2,896 |
| Noncurrent loans to loans | 1.1352% | 3,148 |
| Net loans and leases to total assets | 73.2341% | 1,396 |
| Net loans and leases to deposits | 93.9050% | 803 |
| Net loans and leases to core deposits | 114.1175% | 463 |
| Total domestic deposits to total assets | 77.9874% | 5,837 |
| Equity capital to assets | 10.3570% | 3,389 |
| Core capital (leverage) ratio | 10.4734% | 2,964 |
| Tier 1 risk-based capital ratio | 12.8813% | 5,074 |
| Total risk-based capital ratio | 14.1481% | 5,005 |
| Memoranda: | ||
| Average total assets | $388,317,000 | 1,711 |
| Average earning assets | $362,414,000 | 1,678 |
| Average equity | $39,794,000 | 1,777 |
| Average total loans | $292,131,000 | 1,470 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 1,463 |
| Cost of funding earning assets | 0.5183% | 3,413 |
| Net interest margin | 4.2260% | 1,285 |
| Noninterest income to average assets | 0.7622% | 2,248 |
| Noninterest expense to average assets | 3.6527% | 1,368 |
| Loan and lease loss provision to assets | -0.0921% | 6,469 |
| Net operating income to assets | 0.7019% | 3,785 |
| Return on assets (ROA) | 0.8517% | 3,099 |
| Pretax return on assets | 1.3258% | 2,051 |
| Return on Equity (ROE) | 8.3748% | 2,841 |
| Retained earnings to average equity (ytd only) | 6.3581% | 1,769 |
| Net charge-offs to loans | -0.3861% | 6,702 |
| Credit loss provision to net charge-offs | 31.2221% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4349% | 2,714 |
| Assets per employee ($millions) | 4.5782% | 2,758 |
| Cash dividends to net income (ytd only)* | 24.0804% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9518% | 498 |
| Loan loss allowance to noncurrent loans | 238.9356% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 2,847 |
| Noncurrent loans to loans | 1.2354% | 3,069 |
| Net loans and leases to total assets | 72.9247% | 1,534 |
| Net loans and leases to deposits | 96.7726% | 685 |
| Net loans and leases to core deposits | 111.2222% | 565 |
| Total domestic deposits to total assets | 75.3568% | 6,157 |
| Equity capital to assets | 10.1365% | 3,585 |
| Core capital (leverage) ratio | 10.2567% | 3,210 |
| Tier 1 risk-based capital ratio | 12.6566% | 5,199 |
| Total risk-based capital ratio | 13.9253% | 5,142 |
| Memoranda: | ||
| Average total assets | $379,832,400 | 1,726 |
| Average earning assets | $356,954,800 | 1,685 |
| Average equity | $38,627,600 | 1,805 |
| Average total loans | $290,346,400 | 1,465 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 1,504 |
| Cost of funding earning assets | 0.5336% | 3,434 |
| Net interest margin | 4.2037% | 1,319 |
| Noninterest income to average assets | 0.7623% | 2,309 |
| Noninterest expense to average assets | 3.5737% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6704% | 4,012 |
| Return on assets (ROA) | 0.8331% | 3,306 |
| Pretax return on assets | 1.3106% | 2,298 |
| Return on Equity (ROE) | 8.1854% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.1854% | 1,345 |
| Net charge-offs to loans | -0.3701% | 6,751 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0075% | 2,904 |
| Assets per employee ($millions) | 4.3637% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8711% | 631 |
| Loan loss allowance to noncurrent loans | 286.9682% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 1.1329% | 3,387 |
| Noncurrent loans to loans | 1.0005% | 3,809 |
| Net loans and leases to total assets | 74.6160% | 1,188 |
| Net loans and leases to deposits | 92.9836% | 902 |
| Net loans and leases to core deposits | 108.4666% | 648 |
| Total domestic deposits to total assets | 80.2465% | 5,447 |
| Equity capital to assets | 10.0399% | 3,846 |
| Core capital (leverage) ratio | 10.2179% | 3,374 |
| Tier 1 risk-based capital ratio | 12.3677% | 5,536 |
| Total risk-based capital ratio | 13.6363% | 5,462 |
| Memoranda: | ||
| Average total assets | $378,647,500 | 1,737 |
| Average earning assets | $356,341,000 | 1,697 |
| Average equity | $38,539,000 | 1,819 |
| Average total loans | $290,688,500 | 1,460 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 1,598 |
| Cost of funding earning assets | 0.5429% | 3,480 |
| Net interest margin | 4.1459% | 1,420 |
| Noninterest income to average assets | 0.7272% | 2,516 |
| Noninterest expense to average assets | 3.6488% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5557% | 4,523 |
| Return on assets (ROA) | 0.7528% | 3,705 |
| Pretax return on assets | 1.1779% | 2,774 |
| Return on Equity (ROE) | 7.3617% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.3617% | 1,728 |
| Net charge-offs to loans | -0.2284% | 6,698 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1477% | 2,432 |
| Assets per employee ($millions) | 4.3991% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8400% | 679 |
| Loan loss allowance to noncurrent loans | 210.2417% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.4126% | 2,986 |
| Noncurrent loans to loans | 1.3508% | 3,297 |
| Net loans and leases to total assets | 73.9998% | 1,248 |
| Net loans and leases to deposits | 89.3132% | 1,206 |
| Net loans and leases to core deposits | 100.8926% | 1,018 |
| Total domestic deposits to total assets | 82.8543% | 4,759 |
| Equity capital to assets | 10.2197% | 3,643 |
| Core capital (leverage) ratio | 10.0084% | 3,504 |
| Tier 1 risk-based capital ratio | 12.3167% | 5,615 |
| Total risk-based capital ratio | 13.5848% | 5,551 |
| Memoranda: | ||
| Average total assets | $375,406,330 | 1,751 |
| Average earning assets | $352,924,000 | 1,714 |
| Average equity | $38,388,000 | 1,827 |
| Average total loans | $288,133,670 | 1,466 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 1,579 |
| Cost of funding earning assets | 0.5632% | 3,452 |
| Net interest margin | 4.1210% | 1,400 |
| Noninterest income to average assets | 0.7603% | 2,294 |
| Noninterest expense to average assets | 3.7613% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4722% | 4,810 |
| Return on assets (ROA) | 0.6944% | 3,860 |
| Pretax return on assets | 1.0974% | 2,956 |
| Return on Equity (ROE) | 6.7888% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.7888% | 2,258 |
| Net charge-offs to loans | -0.2650% | 6,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3854% | 2,270 |
| Assets per employee ($millions) | 4.4298% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7758% | 842 |
| Loan loss allowance to noncurrent loans | 98.7089% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 2.5811% | 1,776 |
| Noncurrent loans to loans | 2.8121% | 1,801 |
| Net loans and leases to total assets | 75.7424% | 871 |
| Net loans and leases to deposits | 88.8744% | 1,062 |
| Net loans and leases to core deposits | 107.4754% | 582 |
| Total domestic deposits to total assets | 85.2242% | 3,938 |
| Equity capital to assets | 10.5052% | 3,531 |
| Core capital (leverage) ratio | 9.4911% | 4,100 |
| Tier 1 risk-based capital ratio | 11.9762% | 5,931 |
| Total risk-based capital ratio | 13.2439% | 5,879 |
| Memoranda: | ||
| Average total assets | $376,147,500 | 1,760 |
| Average earning assets | $353,697,500 | 1,719 |
| Average equity | $38,475,000 | 1,849 |
| Average total loans | $289,805,000 | 1,464 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 1,454 |
| Cost of funding earning assets | 0.7861% | 2,771 |
| Net interest margin | 4.2549% | 1,510 |
| Noninterest income to average assets | 0.4710% | 4,089 |
| Noninterest expense to average assets | 3.4172% | 2,011 |
| Loan and lease loss provision to assets | 0.3682% | 1,781 |
| Net operating income to assets | 0.3504% | 5,291 |
| Return on assets (ROA) | 0.5983% | 4,505 |
| Pretax return on assets | 0.9529% | 3,731 |
| Return on Equity (ROE) | 6.0830% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.0830% | 2,025 |
| Net charge-offs to loans | 1.1637% | 882 |
| Credit loss provision to net charge-offs | 40.5527% | 4,927 |
| Earnings coverage of net charge-offs (x) | 1.1238% | 4,899 |
| Efficiency ratio | 76.2031% | 2,712 |
| Assets per employee ($millions) | 4.6340% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6466% | 973 |
| Loan loss allowance to noncurrent loans | 85.1982% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 2.7461% | 1,752 |
| Noncurrent loans to loans | 3.1064% | 1,665 |
| Net loans and leases to total assets | 74.2067% | 1,167 |
| Net loans and leases to deposits | 86.4074% | 1,461 |
| Net loans and leases to core deposits | 100.0452% | 1,023 |
| Total domestic deposits to total assets | 85.8801% | 3,413 |
| Equity capital to assets | 9.9644% | 4,217 |
| Core capital (leverage) ratio | 9.8657% | 3,585 |
| Tier 1 risk-based capital ratio | 11.6747% | 5,974 |
| Total risk-based capital ratio | 12.9418% | 5,928 |
| Memoranda: | ||
| Average total assets | $366,675,200 | 1,778 |
| Average earning assets | $341,821,600 | 1,743 |
| Average equity | $36,067,800 | 1,919 |
| Average total loans | $286,073,400 | 1,462 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1305% | 1,353 |
| Cost of funding earning assets | 0.8413% | 2,618 |
| Net interest margin | 4.2892% | 1,506 |
| Noninterest income to average assets | 0.4546% | 4,251 |
| Noninterest expense to average assets | 3.3595% | 2,106 |
| Loan and lease loss provision to assets | 0.4509% | 1,388 |
| Net operating income to assets | 0.3525% | 5,424 |
| Return on assets (ROA) | 0.5676% | 4,801 |
| Pretax return on assets | 0.8953% | 4,123 |
| Return on Equity (ROE) | 5.7908% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.7908% | 2,842 |
| Net charge-offs to loans | 1.2939% | 730 |
| Credit loss provision to net charge-offs | 44.4001% | 4,521 |
| Earnings coverage of net charge-offs (x) | 1.0667% | 4,779 |
| Efficiency ratio | 74.8032% | 2,858 |
| Assets per employee ($millions) | 4.6622% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9010% | 801 |
| Loan loss allowance to noncurrent loans | 63.9539% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 3.9368% | 1,230 |
| Noncurrent loans to loans | 4.5361% | 1,037 |
| Net loans and leases to total assets | 77.4972% | 791 |
| Net loans and leases to deposits | 91.2830% | 1,029 |
| Net loans and leases to core deposits | 99.7341% | 1,139 |
| Total domestic deposits to total assets | 84.8978% | 3,789 |
| Equity capital to assets | 10.6730% | 3,634 |
| Core capital (leverage) ratio | 9.4958% | 4,275 |
| Tier 1 risk-based capital ratio | 11.7501% | 6,081 |
| Total risk-based capital ratio | 13.0203% | 6,053 |
| Memoranda: | ||
| Average total assets | $362,189,000 | 1,822 |
| Average earning assets | $336,776,750 | 1,786 |
| Average equity | $35,503,500 | 1,960 |
| Average total loans | $284,298,500 | 1,482 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 1,403 |
| Cost of funding earning assets | 0.8740% | 2,614 |
| Net interest margin | 4.2657% | 1,564 |
| Noninterest income to average assets | 0.5548% | 3,556 |
| Noninterest expense to average assets | 3.3239% | 2,241 |
| Loan and lease loss provision to assets | 0.4660% | 1,369 |
| Net operating income to assets | 0.4579% | 5,005 |
| Return on assets (ROA) | 0.5762% | 4,737 |
| Pretax return on assets | 0.9095% | 4,037 |
| Return on Equity (ROE) | 6.0520% | 4,300 |
| Retained earnings to average equity (ytd only) | 6.0520% | 2,685 |
| Net charge-offs to loans | 1.2767% | 841 |
| Credit loss provision to net charge-offs | 46.7547% | 4,110 |
| Earnings coverage of net charge-offs (x) | 1.1947% | 4,410 |
| Efficiency ratio | 72.8355% | 3,271 |
| Assets per employee ($millions) | 5.3108% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0589% | 737 |
| Loan loss allowance to noncurrent loans | 55.9883% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 4.5151% | 1,100 |
| Noncurrent loans to loans | 5.4635% | 854 |
| Net loans and leases to total assets | 74.7619% | 1,135 |
| Net loans and leases to deposits | 87.1990% | 1,451 |
| Net loans and leases to core deposits | 92.8690% | 1,697 |
| Total domestic deposits to total assets | 85.7371% | 3,495 |
| Equity capital to assets | 10.0453% | 4,269 |
| Core capital (leverage) ratio | 9.3173% | 4,428 |
| Tier 1 risk-based capital ratio | 11.0976% | 6,451 |
| Total risk-based capital ratio | 12.3686% | 6,414 |
| Memoranda: | ||
| Average total assets | $364,810,330 | 1,810 |
| Average earning assets | $338,657,330 | 1,774 |
| Average equity | $34,732,330 | 1,985 |
| Average total loans | $284,799,330 | 1,483 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 1,192 |
| Cost of funding earning assets | 0.8984% | 2,707 |
| Net interest margin | 4.3616% | 1,308 |
| Noninterest income to average assets | 0.7849% | 2,235 |
| Noninterest expense to average assets | 3.4560% | 1,857 |
| Loan and lease loss provision to assets | 0.2767% | 2,245 |
| Net operating income to assets | 0.6876% | 3,943 |
| Return on assets (ROA) | 0.7350% | 3,946 |
| Pretax return on assets | 1.1568% | 3,081 |
| Return on Equity (ROE) | 7.9458% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.9458% | 2,002 |
| Net charge-offs to loans | 1.0950% | 942 |
| Credit loss provision to net charge-offs | 32.1750% | 3,589 |
| Earnings coverage of net charge-offs (x) | 1.5804% | 3,541 |
| Efficiency ratio | 71.0115% | 3,619 |
| Assets per employee ($millions) | 5.1320% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2478% | 651 |
| Loan loss allowance to noncurrent loans | 99.4816% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 3.6697% | 1,550 |
| Noncurrent loans to loans | 3.2647% | 1,961 |
| Net loans and leases to total assets | 76.3836% | 760 |
| Net loans and leases to deposits | 88.5549% | 1,101 |
| Net loans and leases to core deposits | 90.7581% | 1,775 |
| Total domestic deposits to total assets | 86.2556% | 3,382 |
| Equity capital to assets | 9.3743% | 4,998 |
| Core capital (leverage) ratio | 8.2788% | 5,908 |
| Tier 1 risk-based capital ratio | 10.1654% | 6,842 |
| Total risk-based capital ratio | 11.4399% | 6,830 |
| Memoranda: | ||
| Average total assets | $361,338,000 | 1,833 |
| Average earning assets | $333,912,000 | 1,809 |
| Average equity | $33,426,500 | 2,072 |
| Average total loans | $283,848,500 | 1,496 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3355% | 1,608 |
| Cost of funding earning assets | 1.2051% | 1,993 |
| Net interest margin | 4.1304% | 2,305 |
| Noninterest income to average assets | 0.4983% | 3,855 |
| Noninterest expense to average assets | 3.3770% | 2,299 |
| Loan and lease loss provision to assets | 1.7313% | 387 |
| Net operating income to assets | -0.4939% | 6,485 |
| Return on assets (ROA) | -0.4045% | 6,469 |
| Pretax return on assets | -0.6760% | 6,589 |
| Return on Equity (ROE) | -4.5821% | 6,508 |
| Retained earnings to average equity (ytd only) | -4.5821% | 6,416 |
| Net charge-offs to loans | 2.0068% | 687 |
| Credit loss provision to net charge-offs | 110.1758% | 3,036 |
| Earnings coverage of net charge-offs (x) | 0.5827% | 5,394 |
| Efficiency ratio | 77.8603% | 2,608 |
| Assets per employee ($millions) | 5.1189% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4278% | 559 |
| Loan loss allowance to noncurrent loans | 93.7879% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 4.2301% | 1,328 |
| Noncurrent loans to loans | 3.6549% | 1,731 |
| Net loans and leases to total assets | 75.4872% | 1,025 |
| Net loans and leases to deposits | 87.3056% | 1,474 |
| Net loans and leases to core deposits | 89.2755% | 2,225 |
| Total domestic deposits to total assets | 86.4632% | 3,048 |
| Equity capital to assets | 9.1286% | 5,378 |
| Core capital (leverage) ratio | 7.8440% | 6,406 |
| Tier 1 risk-based capital ratio | 9.7284% | 6,915 |
| Total risk-based capital ratio | 11.0050% | 6,902 |
| Memoranda: | ||
| Average total assets | $376,485,800 | 1,726 |
| Average earning assets | $345,853,200 | 1,719 |
| Average equity | $33,237,800 | 2,003 |
| Average total loans | $294,804,000 | 1,441 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3398% | 1,717 |
| Cost of funding earning assets | 1.2706% | 1,856 |
| Net interest margin | 4.0692% | 2,605 |
| Noninterest income to average assets | 0.4315% | 4,427 |
| Noninterest expense to average assets | 3.2849% | 2,542 |
| Loan and lease loss provision to assets | 2.2358% | 225 |
| Net operating income to assets | -0.8229% | 6,806 |
| Return on assets (ROA) | -0.7405% | 6,808 |
| Pretax return on assets | -1.2260% | 6,949 |
| Return on Equity (ROE) | -8.4562% | 6,837 |
| Retained earnings to average equity (ytd only) | -8.4562% | 6,789 |
| Net charge-offs to loans | 2.4937% | 437 |
| Credit loss provision to net charge-offs | 114.4500% | 2,855 |
| Earnings coverage of net charge-offs (x) | 0.4509% | 5,288 |
| Efficiency ratio | 78.0278% | 2,543 |
| Assets per employee ($millions) | 5.4349% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4347% | 595 |
| Loan loss allowance to noncurrent loans | 87.8169% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 4.3236% | 1,400 |
| Noncurrent loans to loans | 3.9112% | 1,703 |
| Net loans and leases to total assets | 75.6167% | 1,037 |
| Net loans and leases to deposits | 87.7684% | 1,457 |
| Net loans and leases to core deposits | 91.1546% | 2,098 |
| Total domestic deposits to total assets | 86.1548% | 3,135 |
| Equity capital to assets | 8.9311% | 5,833 |
| Core capital (leverage) ratio | 7.3768% | 6,822 |
| Tier 1 risk-based capital ratio | 8.9382% | 7,121 |
| Total risk-based capital ratio | 10.2138% | 7,116 |
| Memoranda: | ||
| Average total assets | $379,747,500 | 1,715 |
| Average earning assets | $348,495,000 | 1,708 |
| Average equity | $33,253,000 | 2,002 |
| Average total loans | $297,483,000 | 1,444 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2788% | 1,952 |
| Cost of funding earning assets | 1.3018% | 1,932 |
| Net interest margin | 3.9770% | 2,958 |
| Noninterest income to average assets | 0.3617% | 4,985 |
| Noninterest expense to average assets | 3.3262% | 2,474 |
| Loan and lease loss provision to assets | 3.0062% | 151 |
| Net operating income to assets | -1.4000% | 7,068 |
| Return on assets (ROA) | -1.3776% | 7,067 |
| Pretax return on assets | -2.2775% | 7,216 |
| Return on Equity (ROE) | -15.8332% | 7,082 |
| Retained earnings to average equity (ytd only) | -15.8332% | 7,057 |
| Net charge-offs to loans | 1.5777% | 932 |
| Credit loss provision to net charge-offs | 243.2010% | 1,248 |
| Earnings coverage of net charge-offs (x) | 0.5612% | 4,884 |
| Efficiency ratio | 81.8985% | 2,115 |
| Assets per employee ($millions) | 5.6907% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2833% | 342 |
| Loan loss allowance to noncurrent loans | 111.6488% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 4.3483% | 1,460 |
| Noncurrent loans to loans | 3.8364% | 1,810 |
| Net loans and leases to total assets | 71.2915% | 1,939 |
| Net loans and leases to deposits | 81.4782% | 2,521 |
| Net loans and leases to core deposits | 84.4487% | 3,142 |
| Total domestic deposits to total assets | 87.4976% | 2,468 |
| Equity capital to assets | 8.1432% | 6,557 |
| Core capital (leverage) ratio | 6.9431% | 7,019 |
| Tier 1 risk-based capital ratio | 8.4962% | 7,214 |
| Total risk-based capital ratio | 9.7818% | 7,214 |
| Memoranda: | ||
| Average total assets | $383,139,000 | 1,708 |
| Average earning assets | $352,428,330 | 1,698 |
| Average equity | $33,335,000 | 1,990 |
| Average total loans | $300,177,670 | 1,448 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 1,775 |
| Cost of funding earning assets | 1.3566% | 1,844 |
| Net interest margin | 3.9745% | 2,802 |
| Noninterest income to average assets | 0.3298% | 5,269 |
| Noninterest expense to average assets | 3.5414% | 1,900 |
| Loan and lease loss provision to assets | 0.3171% | 2,645 |
| Net operating income to assets | 0.0674% | 6,184 |
| Return on assets (ROA) | 0.0708% | 6,225 |
| Pretax return on assets | 0.1343% | 6,089 |
| Return on Equity (ROE) | 0.7879% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.7879% | 5,509 |
| Net charge-offs to loans | 0.8881% | 1,491 |
| Credit loss provision to net charge-offs | 44.4444% | 3,859 |
| Earnings coverage of net charge-offs (x) | 0.6252% | 4,159 |
| Efficiency ratio | 87.9374% | 1,522 |
| Assets per employee ($millions) | 4.7780% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9411% | 966 |
| Loan loss allowance to noncurrent loans | 68.2108% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 5.2246% | 1,193 |
| Noncurrent loans to loans | 4.3117% | 1,645 |
| Net loans and leases to total assets | 76.5968% | 947 |
| Net loans and leases to deposits | 88.5970% | 1,397 |
| Net loans and leases to core deposits | 91.9129% | 2,140 |
| Total domestic deposits to total assets | 86.4553% | 3,262 |
| Equity capital to assets | 9.0425% | 5,134 |
| Core capital (leverage) ratio | 8.2939% | 5,821 |
| Tier 1 risk-based capital ratio | 9.4553% | 7,153 |
| Total risk-based capital ratio | 10.7234% | 7,156 |
| Memoranda: | ||
| Average total assets | $378,378,000 | 1,739 |
| Average earning assets | $348,219,500 | 1,728 |
| Average equity | $34,015,000 | 1,945 |
| Average total loans | $304,036,000 | 1,438 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4049% | 2,652 |
| Cost of funding earning assets | 1.7460% | 1,394 |
| Net interest margin | 3.6589% | 4,538 |
| Noninterest income to average assets | 0.3096% | 5,588 |
| Noninterest expense to average assets | 3.2196% | 3,013 |
| Loan and lease loss provision to assets | 1.7109% | 823 |
| Net operating income to assets | -0.7270% | 6,534 |
| Return on assets (ROA) | -0.6798% | 6,538 |
| Pretax return on assets | -1.1256% | 6,708 |
| Return on Equity (ROE) | -7.4019% | 6,578 |
| Retained earnings to average equity (ytd only) | -7.4019% | 6,486 |
| Net charge-offs to loans | 1.0166% | 2,162 |
| Credit loss provision to net charge-offs | 200.4837% | 1,556 |
| Earnings coverage of net charge-offs (x) | 0.5995% | 5,503 |
| Efficiency ratio | 85.3834% | 1,761 |
| Assets per employee ($millions) | 4.9259% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9453% | 910 |
| Loan loss allowance to noncurrent loans | 54.3098% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 5.7557% | 1,055 |
| Noncurrent loans to loans | 5.4232% | 1,214 |
| Net loans and leases to total assets | 79.3715% | 748 |
| Net loans and leases to deposits | 91.6352% | 1,303 |
| Net loans and leases to core deposits | 96.7717% | 1,918 |
| Total domestic deposits to total assets | 86.6167% | 3,022 |
| Equity capital to assets | 8.9371% | 5,227 |
| Core capital (leverage) ratio | 7.9158% | 6,301 |
| Tier 1 risk-based capital ratio | 9.1638% | 7,209 |
| Total risk-based capital ratio | 10.4329% | 7,210 |
| Memoranda: | ||
| Average total assets | $387,625,800 | 1,698 |
| Average earning assets | $362,488,800 | 1,656 |
| Average equity | $35,599,000 | 1,859 |
| Average total loans | $325,411,600 | 1,373 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 2,742 |
| Cost of funding earning assets | 1.8209% | 1,338 |
| Net interest margin | 3.6087% | 4,831 |
| Noninterest income to average assets | 0.3158% | 5,622 |
| Noninterest expense to average assets | 3.1366% | 3,160 |
| Loan and lease loss provision to assets | 1.9501% | 615 |
| Net operating income to assets | -0.9812% | 6,894 |
| Return on assets (ROA) | -0.9183% | 6,894 |
| Pretax return on assets | -1.2970% | 6,977 |
| Return on Equity (ROE) | -9.9338% | 6,927 |
| Retained earnings to average equity (ytd only) | -9.9338% | 6,877 |
| Net charge-offs to loans | 0.8525% | 2,315 |
| Credit loss provision to net charge-offs | 270.7838% | 1,210 |
| Earnings coverage of net charge-offs (x) | 0.7838% | 5,270 |
| Efficiency ratio | 83.8417% | 1,853 |
| Assets per employee ($millions) | 5.2014% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8921% | 919 |
| Loan loss allowance to noncurrent loans | 57.9070% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 5.1310% | 1,252 |
| Noncurrent loans to loans | 4.9945% | 1,382 |
| Net loans and leases to total assets | 79.9013% | 767 |
| Net loans and leases to deposits | 92.0487% | 1,438 |
| Net loans and leases to core deposits | 101.0442% | 1,744 |
| Total domestic deposits to total assets | 86.8033% | 2,645 |
| Equity capital to assets | 8.7472% | 5,944 |
| Core capital (leverage) ratio | 8.1502% | 6,122 |
| Tier 1 risk-based capital ratio | 9.6010% | 7,226 |
| Total risk-based capital ratio | 10.8707% | 7,210 |
| Memoranda: | ||
| Average total assets | $389,708,500 | 1,717 |
| Average earning assets | $365,588,000 | 1,673 |
| Average equity | $36,024,250 | 1,853 |
| Average total loans | $329,217,500 | 1,372 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4442% | 2,776 |
| Cost of funding earning assets | 1.8842% | 1,288 |
| Net interest margin | 3.5600% | 4,998 |
| Noninterest income to average assets | 0.3831% | 5,058 |
| Noninterest expense to average assets | 3.0322% | 3,588 |
| Loan and lease loss provision to assets | 0.5822% | 2,445 |
| Net operating income to assets | 0.0890% | 5,899 |
| Return on assets (ROA) | 0.1815% | 5,746 |
| Pretax return on assets | 0.2367% | 5,687 |
| Return on Equity (ROE) | 1.9284% | 5,658 |
| Retained earnings to average equity (ytd only) | 1.9284% | 4,908 |
| Net charge-offs to loans | 0.6396% | 2,627 |
| Credit loss provision to net charge-offs | 106.8117% | 3,823 |
| Earnings coverage of net charge-offs (x) | 1.2819% | 4,542 |
| Efficiency ratio | 80.3732% | 2,392 |
| Assets per employee ($millions) | 5.0922% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 2,726 |
| Loan loss allowance to noncurrent loans | 37.7300% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 4.4705% | 1,489 |
| Noncurrent loans to loans | 4.7623% | 1,485 |
| Net loans and leases to total assets | 83.0951% | 427 |
| Net loans and leases to deposits | 96.6054% | 995 |
| Net loans and leases to core deposits | 110.7105% | 1,120 |
| Total domestic deposits to total assets | 86.0149% | 3,076 |
| Equity capital to assets | 9.6552% | 4,462 |
| Core capital (leverage) ratio | 9.2249% | 4,265 |
| Tier 1 risk-based capital ratio | 10.5674% | 6,636 |
| Total risk-based capital ratio | 11.8237% | 6,627 |
| Memoranda: | ||
| Average total assets | $387,843,330 | 1,737 |
| Average earning assets | $364,720,000 | 1,686 |
| Average equity | $36,506,330 | 1,820 |
| Average total loans | $330,536,670 | 1,377 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 2,613 |
| Cost of funding earning assets | 1.9662% | 1,193 |
| Net interest margin | 3.5275% | 5,047 |
| Noninterest income to average assets | 0.3513% | 5,329 |
| Noninterest expense to average assets | 3.0433% | 3,503 |
| Loan and lease loss provision to assets | 0.3359% | 3,376 |
| Net operating income to assets | 0.1795% | 5,758 |
| Return on assets (ROA) | 0.1947% | 5,829 |
| Pretax return on assets | 0.3173% | 5,553 |
| Return on Equity (ROE) | 2.0955% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.0955% | 4,876 |
| Net charge-offs to loans | 0.8504% | 1,836 |
| Credit loss provision to net charge-offs | 46.1756% | 4,539 |
| Earnings coverage of net charge-offs (x) | 0.8654% | 4,272 |
| Efficiency ratio | 81.9355% | 2,275 |
| Assets per employee ($millions) | 5.4779% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 3,304 |
| Loan loss allowance to noncurrent loans | 56.4422% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.7809% | 2,614 |
| Noncurrent loans to loans | 2.8987% | 2,780 |
| Net loans and leases to total assets | 82.8021% | 490 |
| Net loans and leases to deposits | 96.3189% | 1,072 |
| Net loans and leases to core deposits | 115.5824% | 963 |
| Total domestic deposits to total assets | 85.9666% | 3,170 |
| Equity capital to assets | 9.3601% | 4,739 |
| Core capital (leverage) ratio | 9.0292% | 4,512 |
| Tier 1 risk-based capital ratio | 9.9292% | 7,081 |
| Total risk-based capital ratio | 11.1809% | 7,064 |
| Memoranda: | ||
| Average total assets | $388,262,500 | 1,776 |
| Average earning assets | $365,584,500 | 1,721 |
| Average equity | $36,076,500 | 1,864 |
| Average total loans | $332,072,000 | 1,414 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7630% | 2,809 |
| Cost of funding earning assets | 2.5168% | 993 |
| Net interest margin | 3.2462% | 5,940 |
| Noninterest income to average assets | 0.3344% | 5,702 |
| Noninterest expense to average assets | 3.0029% | 4,128 |
| Loan and lease loss provision to assets | 0.9146% | 2,464 |
| Net operating income to assets | 0.1354% | 5,094 |
| Return on assets (ROA) | 0.3930% | 4,252 |
| Pretax return on assets | -0.0989% | 5,599 |
| Return on Equity (ROE) | 4.2619% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.2619% | 2,242 |
| Net charge-offs to loans | 0.2240% | 5,224 |
| Credit loss provision to net charge-offs | 501.3783% | 610 |
| Earnings coverage of net charge-offs (x) | 2.2649% | 4,026 |
| Efficiency ratio | 87.4560% | 1,933 |
| Assets per employee ($millions) | 5.5379% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 2,713 |
| Loan loss allowance to noncurrent loans | 139.8460% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 3,961 |
| Noncurrent loans to loans | 1.2513% | 4,853 |
| Net loans and leases to total assets | 85.3985% | 315 |
| Net loans and leases to deposits | 99.1146% | 986 |
| Net loans and leases to core deposits | 139.8351% | 820 |
| Total domestic deposits to total assets | 86.1613% | 2,924 |
| Equity capital to assets | 9.2213% | 4,815 |
| Core capital (leverage) ratio | 8.5595% | 5,173 |
| Tier 1 risk-based capital ratio | 9.4991% | 7,226 |
| Total risk-based capital ratio | 10.7538% | 7,199 |
| Memoranda: | ||
| Average total assets | $357,988,800 | 1,896 |
| Average earning assets | $339,841,800 | 1,835 |
| Average equity | $33,013,600 | 2,030 |
| Average total loans | $291,498,000 | 1,645 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3871% | 5,013 |
| Cost of funding earning assets | 2.5449% | 1,166 |
| Net interest margin | 2.8422% | 6,982 |
| Noninterest income to average assets | 0.4303% | 5,042 |
| Noninterest expense to average assets | 2.7965% | 4,913 |
| Loan and lease loss provision to assets | 0.2034% | 5,360 |
| Net operating income to assets | 0.6334% | 3,484 |
| Return on assets (ROA) | 0.7546% | 3,067 |
| Pretax return on assets | 0.2568% | 5,175 |
| Return on Equity (ROE) | 8.1827% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.1827% | 1,087 |
| Net charge-offs to loans | 0.1531% | 5,186 |
| Credit loss provision to net charge-offs | 166.2539% | 2,828 |
| Earnings coverage of net charge-offs (x) | 2.7709% | 3,844 |
| Efficiency ratio | 89.1869% | 1,767 |
| Assets per employee ($millions) | 5.8178% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 6,072 |
| Loan loss allowance to noncurrent loans | 89.8180% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.7050% | 3,821 |
| Noncurrent loans to loans | 1.1559% | 5,007 |
| Net loans and leases to total assets | 83.2656% | 636 |
| Net loans and leases to deposits | 97.6714% | 1,363 |
| Net loans and leases to core deposits | 139.2028% | 953 |
| Total domestic deposits to total assets | 85.2508% | 3,097 |
| Equity capital to assets | 8.6346% | 6,063 |
| Core capital (leverage) ratio | 8.1600% | 6,085 |
| Tier 1 risk-based capital ratio | 9.4368% | 7,415 |
| Total risk-based capital ratio | 10.5061% | 7,502 |
| Memoranda: | ||
| Average total assets | $351,956,750 | 1,940 |
| Average earning assets | $334,987,500 | 1,872 |
| Average equity | $32,458,000 | 2,080 |
| Average total loans | $281,339,000 | 1,731 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 5,621 |
| Cost of funding earning assets | 2.6205% | 1,231 |
| Net interest margin | 2.6879% | 7,226 |
| Noninterest income to average assets | 0.4951% | 4,487 |
| Noninterest expense to average assets | 2.8072% | 4,930 |
| Loan and lease loss provision to assets | 0.2906% | 4,250 |
| Net operating income to assets | 0.8192% | 2,780 |
| Return on assets (ROA) | 0.9654% | 2,327 |
| Pretax return on assets | 0.1043% | 5,665 |
| Return on Equity (ROE) | 10.2189% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.2189% | 684 |
| Net charge-offs to loans | 0.1941% | 4,327 |
| Credit loss provision to net charge-offs | 191.0853% | 2,396 |
| Earnings coverage of net charge-offs (x) | 1.6357% | 4,318 |
| Efficiency ratio | 91.8611% | 1,650 |
| Assets per employee ($millions) | 6.0921% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,606 |
| Loan loss allowance to noncurrent loans | 442.6357% | 728 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 4,860 |
| Noncurrent loans to loans | 0.2823% | 6,811 |
| Net loans and leases to total assets | 79.3486% | 1,446 |
| Net loans and leases to deposits | 96.9310% | 1,665 |
| Net loans and leases to core deposits | 138.3958% | 1,084 |
| Total domestic deposits to total assets | 81.8610% | 4,752 |
| Equity capital to assets | 9.5140% | 4,594 |
| Core capital (leverage) ratio | 9.1374% | 4,407 |
| Tier 1 risk-based capital ratio | 11.0184% | 5,854 |
| Total risk-based capital ratio | 12.2143% | 5,849 |
| Memoranda: | ||
| Average total assets | $339,345,670 | 2,039 |
| Average earning assets | $323,300,670 | 1,964 |
| Average equity | $32,058,330 | 2,108 |
| Average total loans | $265,796,670 | 1,855 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 6,386 |
| Cost of funding earning assets | 2.6231% | 1,497 |
| Net interest margin | 2.5550% | 7,433 |
| Noninterest income to average assets | 0.2766% | 6,211 |
| Noninterest expense to average assets | 2.6096% | 5,418 |
| Loan and lease loss provision to assets | 0.2494% | 3,975 |
| Net operating income to assets | -0.1299% | 6,456 |
| Return on assets (ROA) | 0.1005% | 6,146 |
| Pretax return on assets | 0.1135% | 6,136 |
| Return on Equity (ROE) | 1.0672% | 6,106 |
| Retained earnings to average equity (ytd only) | 1.0672% | 5,214 |
| Net charge-offs to loans | 0.0933% | 4,245 |
| Credit loss provision to net charge-offs | 345.9016% | 1,455 |
| Earnings coverage of net charge-offs (x) | 1.4426% | 4,013 |
| Efficiency ratio | 96.1672% | 1,314 |
| Assets per employee ($millions) | 6.7880% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,468 |
| Loan loss allowance to noncurrent loans | 2,880.1724% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 5,168 |
| Noncurrent loans to loans | 0.0433% | 7,418 |
| Net loans and leases to total assets | 73.5396% | 2,879 |
| Net loans and leases to deposits | 89.8971% | 2,948 |
| Net loans and leases to core deposits | 139.0661% | 1,148 |
| Total domestic deposits to total assets | 81.8042% | 4,634 |
| Equity capital to assets | 9.0793% | 5,251 |
| Core capital (leverage) ratio | 9.3544% | 4,168 |
| Tier 1 risk-based capital ratio | 10.4353% | 6,460 |
| Total risk-based capital ratio | 11.5746% | 6,490 |
| Memoranda: | ||
| Average total assets | $338,439,000 | 2,057 |
| Average earning assets | $322,823,000 | 1,967 |
| Average equity | $31,858,500 | 2,126 |
| Average total loans | $261,629,500 | 1,895 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9264% | 5,916 |
| Cost of funding earning assets | 3.2397% | 1,069 |
| Net interest margin | 2.6867% | 7,519 |
| Noninterest income to average assets | 0.2426% | 6,707 |
| Noninterest expense to average assets | 2.6958% | 5,285 |
| Loan and lease loss provision to assets | 0.6248% | 2,333 |
| Net operating income to assets | -0.4893% | 6,917 |
| Return on assets (ROA) | -0.2285% | 6,496 |
| Pretax return on assets | -0.2205% | 6,388 |
| Return on Equity (ROE) | -2.0660% | 6,510 |
| Retained earnings to average equity (ytd only) | -2.0660% | 5,890 |
| Net charge-offs to loans | 0.1889% | 4,296 |
| Credit loss provision to net charge-offs | 440.1070% | 992 |
| Earnings coverage of net charge-offs (x) | 1.0107% | 5,621 |
| Efficiency ratio | 94.9465% | 1,223 |
| Assets per employee ($millions) | 6.2179% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,150 |
| Loan loss allowance to noncurrent loans | 343.4876% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 4,414 |
| Noncurrent loans to loans | 0.3638% | 6,274 |
| Net loans and leases to total assets | 79.5165% | 1,773 |
| Net loans and leases to deposits | 106.1856% | 1,106 |
| Net loans and leases to core deposits | 144.3220% | 1,080 |
| Total domestic deposits to total assets | 74.8844% | 6,479 |
| Equity capital to assets | 9.7924% | 4,300 |
| Core capital (leverage) ratio | 9.7991% | 3,642 |
| Tier 1 risk-based capital ratio | 10.6882% | 6,012 |
| Total risk-based capital ratio | 11.8639% | 5,984 |
| Memoranda: | ||
| Average total assets | $263,446,400 | 2,431 |
| Average earning assets | $254,625,200 | 2,329 |
| Average equity | $29,138,600 | 2,323 |
| Average total loans | $197,937,200 | 2,319 |