Home > Riverside Bank > Performance and Condition Ratios
Riverside Bank, Performance and Condition Ratios
| 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 | 4.7009% | 1,302 |
| Cost of funding earning assets | 0.5037% | 2,718 |
| Net interest margin | 4.1971% | 1,298 |
| Noninterest income to average assets | 0.3204% | 4,868 |
| Noninterest expense to average assets | 2.4440% | 4,683 |
| Loan and lease loss provision to assets | 0.3725% | 468 |
| Net operating income to assets | 0.9357% | 2,752 |
| Return on assets (ROA) | 0.9364% | 2,837 |
| Pretax return on assets | 1.4756% | 1,723 |
| Return on Equity (ROE) | 8.1451% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.1451% | 1,292 |
| Net charge-offs to loans | 0.4359% | 908 |
| Credit loss provision to net charge-offs | 100.1590% | 2,199 |
| Earnings coverage of net charge-offs (x) | 4.9666% | 3,346 |
| Efficiency ratio | 56.9578% | 5,563 |
| Assets per employee ($millions) | 6.2585% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 3,596 |
| Loan loss allowance to noncurrent loans | 181.5917% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 3,958 |
| Noncurrent loans to loans | 0.7213% | 3,805 |
| Net loans and leases to total assets | 85.3791% | 233 |
| Net loans and leases to deposits | 97.1901% | 782 |
| Net loans and leases to core deposits | 105.0644% | 1,020 |
| Total domestic deposits to total assets | 87.8475% | 1,840 |
| Equity capital to assets | 11.5851% | 2,403 |
| Core capital (leverage) ratio | 11.6498% | 1,938 |
| Tier 1 risk-based capital ratio | 12.9088% | 4,919 |
| Total risk-based capital ratio | 14.1596% | 4,833 |
| Memoranda: | ||
| Average total assets | $225,528,250 | 2,756 |
| Average earning assets | $213,346,000 | 2,696 |
| Average equity | $25,929,000 | 2,583 |
| Average total loans | $192,411,250 | 2,107 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 1,308 |
| Cost of funding earning assets | 0.5131% | 2,692 |
| Net interest margin | 4.1731% | 1,302 |
| Noninterest income to average assets | 0.2819% | 5,168 |
| Noninterest expense to average assets | 2.5332% | 4,475 |
| Loan and lease loss provision to assets | 0.3758% | 460 |
| Net operating income to assets | 0.8346% | 3,150 |
| Return on assets (ROA) | 0.8357% | 3,240 |
| Pretax return on assets | 1.3118% | 2,212 |
| Return on Equity (ROE) | 7.2884% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.2884% | 1,623 |
| Net charge-offs to loans | 0.4574% | 886 |
| Credit loss provision to net charge-offs | 96.7742% | 2,063 |
| Earnings coverage of net charge-offs (x) | 4.3410% | 3,129 |
| Efficiency ratio | 60.0424% | 5,291 |
| Assets per employee ($millions) | 5.6047% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 3,636 |
| Loan loss allowance to noncurrent loans | 141.0270% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 3,498 |
| Noncurrent loans to loans | 0.9509% | 3,343 |
| Net loans and leases to total assets | 85.6193% | 203 |
| Net loans and leases to deposits | 97.4865% | 701 |
| Net loans and leases to core deposits | 109.6175% | 710 |
| Total domestic deposits to total assets | 87.8268% | 2,017 |
| Equity capital to assets | 11.6652% | 2,266 |
| Core capital (leverage) ratio | 10.5483% | 2,888 |
| Tier 1 risk-based capital ratio | 12.9122% | 4,966 |
| Total risk-based capital ratio | 14.1630% | 4,906 |
| Memoranda: | ||
| Average total assets | $223,516,000 | 2,783 |
| Average earning assets | $210,876,000 | 2,730 |
| Average equity | $25,629,670 | 2,605 |
| Average total loans | $189,771,000 | 2,130 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,352 |
| Cost of funding earning assets | 0.5055% | 2,846 |
| Net interest margin | 4.1525% | 1,333 |
| Noninterest income to average assets | 0.2886% | 5,064 |
| Noninterest expense to average assets | 2.5217% | 4,545 |
| Loan and lease loss provision to assets | 0.3764% | 451 |
| Net operating income to assets | 0.8293% | 3,008 |
| Return on assets (ROA) | 0.8316% | 3,066 |
| Pretax return on assets | 1.3102% | 2,060 |
| Return on Equity (ROE) | 7.3162% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.3162% | 1,900 |
| Net charge-offs to loans | -0.0576% | 5,870 |
| Credit loss provision to net charge-offs | -777.7778% | 5,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9744% | 5,412 |
| Assets per employee ($millions) | 5.4882% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,059 |
| Loan loss allowance to noncurrent loans | 238.3333% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 4,011 |
| Noncurrent loans to loans | 0.6381% | 4,265 |
| Net loans and leases to total assets | 82.2995% | 337 |
| Net loans and leases to deposits | 93.4146% | 841 |
| Net loans and leases to core deposits | 103.6458% | 878 |
| Total domestic deposits to total assets | 88.1013% | 2,174 |
| Equity capital to assets | 11.3890% | 2,343 |
| Core capital (leverage) ratio | 11.7095% | 1,825 |
| Tier 1 risk-based capital ratio | 13.0968% | 4,955 |
| Total risk-based capital ratio | 14.3501% | 4,886 |
| Memoranda: | ||
| Average total assets | $223,179,500 | 2,793 |
| Average earning assets | $210,478,000 | 2,749 |
| Average equity | $25,368,500 | 2,616 |
| Average total loans | $187,377,500 | 2,157 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 1,383 |
| Cost of funding earning assets | 0.6096% | 2,575 |
| Net interest margin | 4.1594% | 1,475 |
| Noninterest income to average assets | 0.3504% | 4,812 |
| Noninterest expense to average assets | 2.5994% | 4,462 |
| Loan and lease loss provision to assets | 0.3746% | 828 |
| Net operating income to assets | 0.8250% | 3,160 |
| Return on assets (ROA) | 0.8250% | 3,247 |
| Pretax return on assets | 1.3134% | 2,097 |
| Return on Equity (ROE) | 7.4837% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.4837% | 1,241 |
| Net charge-offs to loans | 0.3391% | 1,980 |
| Credit loss provision to net charge-offs | 135.0906% | 1,738 |
| Earnings coverage of net charge-offs (x) | 6.0873% | 3,131 |
| Efficiency ratio | 60.6287% | 5,397 |
| Assets per employee ($millions) | 5.1475% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 3,634 |
| Loan loss allowance to noncurrent loans | 1,873.5714% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 5,583 |
| Noncurrent loans to loans | 0.0750% | 5,990 |
| Net loans and leases to total assets | 83.1673% | 315 |
| Net loans and leases to deposits | 94.2740% | 859 |
| Net loans and leases to core deposits | 101.8496% | 1,039 |
| Total domestic deposits to total assets | 88.2187% | 2,046 |
| Equity capital to assets | 11.3444% | 2,298 |
| Core capital (leverage) ratio | 11.5349% | 1,937 |
| Tier 1 risk-based capital ratio | 12.8281% | 5,100 |
| Total risk-based capital ratio | 14.0797% | 5,043 |
| Memoranda: | ||
| Average total assets | $218,896,400 | 2,819 |
| Average earning assets | $207,191,400 | 2,758 |
| Average equity | $24,132,400 | 2,717 |
| Average total loans | $179,000,800 | 2,201 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 1,458 |
| Cost of funding earning assets | 0.6365% | 2,492 |
| Net interest margin | 4.1212% | 1,567 |
| Noninterest income to average assets | 0.3366% | 5,001 |
| Noninterest expense to average assets | 2.5727% | 4,482 |
| Loan and lease loss provision to assets | 0.4581% | 618 |
| Net operating income to assets | 0.7598% | 3,559 |
| Return on assets (ROA) | 0.7598% | 3,690 |
| Pretax return on assets | 1.2094% | 2,657 |
| Return on Equity (ROE) | 6.9434% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.9434% | 1,905 |
| Net charge-offs to loans | 0.3659% | 1,735 |
| Credit loss provision to net charge-offs | 154.3210% | 1,531 |
| Earnings coverage of net charge-offs (x) | 5.6173% | 3,145 |
| Efficiency ratio | 60.6742% | 5,332 |
| Assets per employee ($millions) | 5.0808% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 3,474 |
| Loan loss allowance to noncurrent loans | 1,407.3684% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 5,595 |
| Noncurrent loans to loans | 0.1063% | 6,015 |
| Net loans and leases to total assets | 80.5864% | 488 |
| Net loans and leases to deposits | 91.3417% | 1,032 |
| Net loans and leases to core deposits | 97.2901% | 1,288 |
| Total domestic deposits to total assets | 88.2253% | 1,979 |
| Equity capital to assets | 11.2360% | 2,525 |
| Core capital (leverage) ratio | 11.3110% | 2,188 |
| Tier 1 risk-based capital ratio | 13.1093% | 5,048 |
| Total risk-based capital ratio | 14.3618% | 4,993 |
| Memoranda: | ||
| Average total assets | $218,284,750 | 2,850 |
| Average earning assets | $206,763,250 | 2,775 |
| Average equity | $23,888,000 | 2,770 |
| Average total loans | $177,074,000 | 2,234 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,516 |
| Cost of funding earning assets | 0.6764% | 2,249 |
| Net interest margin | 4.0446% | 1,715 |
| Noninterest income to average assets | 0.2979% | 5,322 |
| Noninterest expense to average assets | 2.6029% | 4,373 |
| Loan and lease loss provision to assets | 0.4949% | 555 |
| Net operating income to assets | 0.6654% | 3,996 |
| Return on assets (ROA) | 0.6654% | 4,146 |
| Pretax return on assets | 1.0421% | 3,324 |
| Return on Equity (ROE) | 6.1349% | 4,088 |
| Retained earnings to average equity (ytd only) | 6.1349% | 2,352 |
| Net charge-offs to loans | 0.3966% | 1,626 |
| Credit loss provision to net charge-offs | 154.2857% | 1,499 |
| Earnings coverage of net charge-offs (x) | 4.7914% | 3,031 |
| Efficiency ratio | 62.8736% | 5,038 |
| Assets per employee ($millions) | 4.9103% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 3,781 |
| Loan loss allowance to noncurrent loans | 526.3158% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 5,218 |
| Noncurrent loans to loans | 0.2768% | 5,607 |
| Net loans and leases to total assets | 81.3971% | 397 |
| Net loans and leases to deposits | 92.0632% | 958 |
| Net loans and leases to core deposits | 100.9298% | 1,016 |
| Total domestic deposits to total assets | 88.4144% | 1,973 |
| Equity capital to assets | 11.1228% | 2,636 |
| Core capital (leverage) ratio | 11.1222% | 2,234 |
| Tier 1 risk-based capital ratio | 12.8851% | 5,237 |
| Total risk-based capital ratio | 14.1372% | 5,167 |
| Memoranda: | ||
| Average total assets | $218,221,000 | 2,867 |
| Average earning assets | $207,286,330 | 2,780 |
| Average equity | $23,668,000 | 2,799 |
| Average total loans | $176,520,000 | 2,238 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 1,570 |
| Cost of funding earning assets | 0.6867% | 2,328 |
| Net interest margin | 4.0012% | 1,777 |
| Noninterest income to average assets | 0.3028% | 5,275 |
| Noninterest expense to average assets | 2.4641% | 4,894 |
| Loan and lease loss provision to assets | 0.5472% | 483 |
| Net operating income to assets | 0.7168% | 3,612 |
| Return on assets (ROA) | 0.7168% | 3,749 |
| Pretax return on assets | 1.0962% | 2,965 |
| Return on Equity (ROE) | 6.6932% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.6932% | 2,318 |
| Net charge-offs to loans | 0.5674% | 1,071 |
| Credit loss provision to net charge-offs | 120.4819% | 1,590 |
| Earnings coverage of net charge-offs (x) | 3.6185% | 2,724 |
| Efficiency ratio | 59.9911% | 5,588 |
| Assets per employee ($millions) | 4.7030% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 4,236 |
| Loan loss allowance to noncurrent loans | 262.3667% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 4,766 |
| Noncurrent loans to loans | 0.5333% | 5,108 |
| Net loans and leases to total assets | 81.9497% | 282 |
| Net loans and leases to deposits | 92.7877% | 737 |
| Net loans and leases to core deposits | 103.4562% | 742 |
| Total domestic deposits to total assets | 88.3196% | 2,115 |
| Equity capital to assets | 11.1947% | 2,745 |
| Core capital (leverage) ratio | 11.1561% | 2,130 |
| Tier 1 risk-based capital ratio | 12.7658% | 5,389 |
| Total risk-based capital ratio | 14.0173% | 5,338 |
| Memoranda: | ||
| Average total assets | $219,305,500 | 2,876 |
| Average earning assets | $208,539,000 | 2,794 |
| Average equity | $23,486,500 | 2,856 |
| Average total loans | $175,550,000 | 2,267 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 1,304 |
| Cost of funding earning assets | 0.7504% | 3,086 |
| Net interest margin | 4.3537% | 1,275 |
| Noninterest income to average assets | 0.4646% | 4,138 |
| Noninterest expense to average assets | 2.5981% | 4,752 |
| Loan and lease loss provision to assets | 0.4891% | 1,239 |
| Net operating income to assets | 0.9596% | 2,501 |
| Return on assets (ROA) | 0.9596% | 2,749 |
| Pretax return on assets | 1.5147% | 1,638 |
| Return on Equity (ROE) | 8.8292% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.8292% | 873 |
| Net charge-offs to loans | 0.7267% | 1,616 |
| Credit loss provision to net charge-offs | 82.3045% | 3,751 |
| Earnings coverage of net charge-offs (x) | 3.3720% | 3,758 |
| Efficiency ratio | 56.4566% | 6,012 |
| Assets per employee ($millions) | 5.1585% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 4,285 |
| Loan loss allowance to noncurrent loans | 165.1816% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 4,862 |
| Noncurrent loans to loans | 0.8327% | 4,529 |
| Net loans and leases to total assets | 76.1291% | 892 |
| Net loans and leases to deposits | 85.3603% | 1,602 |
| Net loans and leases to core deposits | 93.7590% | 1,486 |
| Total domestic deposits to total assets | 89.1856% | 1,445 |
| Equity capital to assets | 10.2571% | 3,816 |
| Core capital (leverage) ratio | 10.9938% | 2,257 |
| Tier 1 risk-based capital ratio | 12.7113% | 5,321 |
| Total risk-based capital ratio | 13.9594% | 5,259 |
| Memoranda: | ||
| Average total assets | $204,458,400 | 2,991 |
| Average earning assets | $194,292,400 | 2,908 |
| Average equity | $22,221,600 | 2,944 |
| Average total loans | $167,196,000 | 2,336 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 1,157 |
| Cost of funding earning assets | 0.7696% | 3,193 |
| Net interest margin | 4.4479% | 1,094 |
| Noninterest income to average assets | 0.4104% | 4,550 |
| Noninterest expense to average assets | 2.6246% | 4,658 |
| Loan and lease loss provision to assets | 0.6035% | 916 |
| Net operating income to assets | 0.8925% | 3,021 |
| Return on assets (ROA) | 0.8925% | 3,258 |
| Pretax return on assets | 1.3988% | 2,240 |
| Return on Equity (ROE) | 8.0823% | 3,248 |
| Retained earnings to average equity (ytd only) | 8.0823% | 1,588 |
| Net charge-offs to loans | 1.1130% | 911 |
| Credit loss provision to net charge-offs | 65.2647% | 4,020 |
| Earnings coverage of net charge-offs (x) | 2.1653% | 4,178 |
| Efficiency ratio | 56.7246% | 5,958 |
| Assets per employee ($millions) | 4.6052% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 5,133 |
| Loan loss allowance to noncurrent loans | 142.6197% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 4,547 |
| Noncurrent loans to loans | 0.8638% | 4,692 |
| Net loans and leases to total assets | 82.9882% | 276 |
| Net loans and leases to deposits | 93.7154% | 810 |
| Net loans and leases to core deposits | 105.2986% | 786 |
| Total domestic deposits to total assets | 88.5535% | 1,691 |
| Equity capital to assets | 10.9268% | 3,348 |
| Core capital (leverage) ratio | 10.7477% | 2,658 |
| Tier 1 risk-based capital ratio | 12.3681% | 5,724 |
| Total risk-based capital ratio | 13.5847% | 5,718 |
| Memoranda: | ||
| Average total assets | $198,829,250 | 3,096 |
| Average earning assets | $188,487,750 | 3,007 |
| Average equity | $21,956,750 | 3,001 |
| Average total loans | $165,194,000 | 2,387 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 1,212 |
| Cost of funding earning assets | 0.7586% | 3,531 |
| Net interest margin | 4.4535% | 1,076 |
| Noninterest income to average assets | 0.3969% | 4,677 |
| Noninterest expense to average assets | 2.6476% | 4,619 |
| Loan and lease loss provision to assets | 0.6122% | 960 |
| Net operating income to assets | 0.8540% | 3,116 |
| Return on assets (ROA) | 0.8540% | 3,391 |
| Pretax return on assets | 1.3539% | 2,377 |
| Return on Equity (ROE) | 7.7045% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.7045% | 1,760 |
| Net charge-offs to loans | 0.8951% | 1,228 |
| Credit loss provision to net charge-offs | 82.6446% | 3,251 |
| Earnings coverage of net charge-offs (x) | 2.6543% | 3,681 |
| Efficiency ratio | 57.3861% | 5,944 |
| Assets per employee ($millions) | 4.4111% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 4,057 |
| Loan loss allowance to noncurrent loans | 114.2204% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.2257% | 3,964 |
| Noncurrent loans to loans | 1.3040% | 3,965 |
| Net loans and leases to total assets | 81.4238% | 376 |
| Net loans and leases to deposits | 91.9937% | 952 |
| Net loans and leases to core deposits | 106.4097% | 724 |
| Total domestic deposits to total assets | 88.5102% | 1,806 |
| Equity capital to assets | 10.9142% | 3,213 |
| Core capital (leverage) ratio | 11.0933% | 2,212 |
| Tier 1 risk-based capital ratio | 12.6182% | 5,481 |
| Total risk-based capital ratio | 13.8711% | 5,460 |
| Memoranda: | ||
| Average total assets | $196,028,000 | 3,136 |
| Average earning assets | $185,608,670 | 3,049 |
| Average equity | $21,727,670 | 3,016 |
| Average total loans | $162,217,330 | 2,436 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 1,166 |
| Cost of funding earning assets | 0.7343% | 3,993 |
| Net interest margin | 4.5378% | 947 |
| Noninterest income to average assets | 0.4382% | 4,393 |
| Noninterest expense to average assets | 2.7022% | 4,418 |
| Loan and lease loss provision to assets | 0.6231% | 900 |
| Net operating income to assets | 0.8703% | 3,051 |
| Return on assets (ROA) | 0.8703% | 3,277 |
| Pretax return on assets | 1.3999% | 2,188 |
| Return on Equity (ROE) | 7.7886% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.7886% | 2,056 |
| Net charge-offs to loans | 1.8511% | 514 |
| Credit loss provision to net charge-offs | 40.6504% | 3,440 |
| Earnings coverage of net charge-offs (x) | 1.3198% | 3,672 |
| Efficiency ratio | 57.1868% | 6,019 |
| Assets per employee ($millions) | 4.6237% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,884 |
| Loan loss allowance to noncurrent loans | 144.6429% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 5,032 |
| Noncurrent loans to loans | 0.9198% | 4,827 |
| Net loans and leases to total assets | 81.5757% | 297 |
| Net loans and leases to deposits | 92.1162% | 788 |
| Net loans and leases to core deposits | 103.9700% | 766 |
| Total domestic deposits to total assets | 88.5574% | 1,978 |
| Equity capital to assets | 10.9240% | 3,002 |
| Core capital (leverage) ratio | 11.8172% | 1,701 |
| Tier 1 risk-based capital ratio | 12.6286% | 5,494 |
| Total risk-based capital ratio | 13.8805% | 5,463 |
| Memoranda: | ||
| Average total assets | $192,587,000 | 3,204 |
| Average earning assets | $181,938,500 | 3,125 |
| Average equity | $21,518,500 | 3,036 |
| Average total loans | $159,468,500 | 2,488 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2666% | 1,811 |
| Cost of funding earning assets | 0.8273% | 4,649 |
| Net interest margin | 4.4393% | 1,289 |
| Noninterest income to average assets | 0.4234% | 4,421 |
| Noninterest expense to average assets | 2.8450% | 4,181 |
| Loan and lease loss provision to assets | 0.5736% | 1,810 |
| Net operating income to assets | 0.7723% | 3,165 |
| Return on assets (ROA) | 0.7730% | 3,327 |
| Pretax return on assets | 1.2182% | 2,394 |
| Return on Equity (ROE) | 6.8916% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.8916% | 1,556 |
| Net charge-offs to loans | 0.6844% | 2,443 |
| Credit loss provision to net charge-offs | 103.3465% | 3,351 |
| Earnings coverage of net charge-offs (x) | 3.2264% | 3,602 |
| Efficiency ratio | 61.3717% | 5,555 |
| Assets per employee ($millions) | 4.3338% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 3,212 |
| Loan loss allowance to noncurrent loans | 107.3181% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3125% | 4,026 |
| Noncurrent loans to loans | 1.5825% | 3,790 |
| Net loans and leases to total assets | 81.5309% | 369 |
| Net loans and leases to deposits | 92.7503% | 904 |
| Net loans and leases to core deposits | 101.0528% | 1,089 |
| Total domestic deposits to total assets | 87.9037% | 2,220 |
| Equity capital to assets | 11.4395% | 2,555 |
| Core capital (leverage) ratio | 11.5403% | 1,857 |
| Tier 1 risk-based capital ratio | 13.1820% | 4,929 |
| Total risk-based capital ratio | 14.4372% | 4,902 |
| Memoranda: | ||
| Average total assets | $183,057,800 | 3,285 |
| Average earning assets | $173,698,000 | 3,178 |
| Average equity | $20,532,200 | 3,062 |
| Average total loans | $148,460,400 | 2,664 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 2,040 |
| Cost of funding earning assets | 0.8387% | 4,865 |
| Net interest margin | 4.4094% | 1,378 |
| Noninterest income to average assets | 0.3995% | 4,674 |
| Noninterest expense to average assets | 2.9573% | 3,717 |
| Loan and lease loss provision to assets | 0.6585% | 1,476 |
| Net operating income to assets | 0.6329% | 3,953 |
| Return on assets (ROA) | 0.6329% | 4,137 |
| Pretax return on assets | 0.9687% | 3,523 |
| Return on Equity (ROE) | 5.6713% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.6713% | 2,760 |
| Net charge-offs to loans | 0.7495% | 2,065 |
| Credit loss provision to net charge-offs | 108.9588% | 3,031 |
| Earnings coverage of net charge-offs (x) | 2.6925% | 3,775 |
| Efficiency ratio | 64.5069% | 4,983 |
| Assets per employee ($millions) | 4.2835% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 3,018 |
| Loan loss allowance to noncurrent loans | 92.0235% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.5723% | 3,735 |
| Noncurrent loans to loans | 1.9325% | 3,459 |
| Net loans and leases to total assets | 79.9128% | 525 |
| Net loans and leases to deposits | 90.6925% | 1,138 |
| Net loans and leases to core deposits | 100.0394% | 1,244 |
| Total domestic deposits to total assets | 88.1140% | 1,982 |
| Equity capital to assets | 11.2898% | 2,875 |
| Core capital (leverage) ratio | 11.3565% | 2,127 |
| Tier 1 risk-based capital ratio | 13.1315% | 5,001 |
| Total risk-based capital ratio | 14.3877% | 4,975 |
| Memoranda: | ||
| Average total assets | $182,233,500 | 3,314 |
| Average earning assets | $172,959,000 | 3,199 |
| Average equity | $20,335,750 | 3,100 |
| Average total loans | $146,935,000 | 2,708 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 2,119 |
| Cost of funding earning assets | 0.8417% | 5,120 |
| Net interest margin | 4.3941% | 1,387 |
| Noninterest income to average assets | 0.3624% | 4,978 |
| Noninterest expense to average assets | 3.0014% | 3,635 |
| Loan and lease loss provision to assets | 0.6609% | 1,454 |
| Net operating income to assets | 0.5761% | 4,178 |
| Return on assets (ROA) | 0.5761% | 4,302 |
| Pretax return on assets | 0.8745% | 3,739 |
| Return on Equity (ROE) | 5.1827% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.1827% | 2,889 |
| Net charge-offs to loans | 0.3659% | 3,088 |
| Credit loss provision to net charge-offs | 224.7191% | 1,333 |
| Earnings coverage of net charge-offs (x) | 5.2210% | 2,664 |
| Efficiency ratio | 66.1568% | 4,845 |
| Assets per employee ($millions) | 4.0649% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 2,377 |
| Loan loss allowance to noncurrent loans | 110.3396% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.4816% | 3,984 |
| Noncurrent loans to loans | 1.8109% | 3,736 |
| Net loans and leases to total assets | 80.1824% | 513 |
| Net loans and leases to deposits | 91.1553% | 1,140 |
| Net loans and leases to core deposits | 101.1361% | 1,247 |
| Total domestic deposits to total assets | 87.9624% | 2,163 |
| Equity capital to assets | 11.4355% | 2,567 |
| Core capital (leverage) ratio | 11.5160% | 1,902 |
| Tier 1 risk-based capital ratio | 13.2101% | 4,760 |
| Total risk-based capital ratio | 14.4685% | 4,729 |
| Memoranda: | ||
| Average total assets | $181,580,670 | 3,342 |
| Average earning assets | $172,504,330 | 3,236 |
| Average equity | $20,182,670 | 3,099 |
| Average total loans | $145,960,670 | 2,746 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 2,354 |
| Cost of funding earning assets | 0.8460% | 5,298 |
| Net interest margin | 4.3241% | 1,491 |
| Noninterest income to average assets | 0.3542% | 5,062 |
| Noninterest expense to average assets | 2.9649% | 3,794 |
| Loan and lease loss provision to assets | 0.6559% | 1,311 |
| Net operating income to assets | 0.5619% | 4,227 |
| Return on assets (ROA) | 0.5619% | 4,305 |
| Pretax return on assets | 0.8462% | 3,716 |
| Return on Equity (ROE) | 5.1278% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.1278% | 3,103 |
| Net charge-offs to loans | 0.7025% | 1,812 |
| Credit loss provision to net charge-offs | 117.1875% | 2,313 |
| Earnings coverage of net charge-offs (x) | 2.6836% | 3,002 |
| Efficiency ratio | 66.3730% | 4,974 |
| Assets per employee ($millions) | 4.3088% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 2,955 |
| Loan loss allowance to noncurrent loans | 193.3236% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 5,415 |
| Noncurrent loans to loans | 0.9408% | 5,154 |
| Net loans and leases to total assets | 78.5982% | 666 |
| Net loans and leases to deposits | 89.0040% | 1,349 |
| Net loans and leases to core deposits | 96.7909% | 1,612 |
| Total domestic deposits to total assets | 88.3086% | 2,188 |
| Equity capital to assets | 11.1521% | 2,537 |
| Core capital (leverage) ratio | 11.0590% | 2,144 |
| Tier 1 risk-based capital ratio | 13.0451% | 4,797 |
| Total risk-based capital ratio | 14.3012% | 4,774 |
| Memoranda: | ||
| Average total assets | $182,943,000 | 3,356 |
| Average earning assets | $174,001,500 | 3,234 |
| Average equity | $20,047,500 | 3,104 |
| Average total loans | $145,773,500 | 2,776 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 2,357 |
| Cost of funding earning assets | 0.9107% | 6,129 |
| Net interest margin | 4.5715% | 1,076 |
| Noninterest income to average assets | 0.3542% | 5,278 |
| Noninterest expense to average assets | 3.0255% | 3,750 |
| Loan and lease loss provision to assets | 0.6079% | 2,703 |
| Net operating income to assets | 0.6725% | 3,332 |
| Return on assets (ROA) | 0.6725% | 3,474 |
| Pretax return on assets | 1.0594% | 2,739 |
| Return on Equity (ROE) | 6.3050% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.3050% | 1,658 |
| Net charge-offs to loans | 0.4796% | 3,703 |
| Credit loss provision to net charge-offs | 157.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 4.3100% | 2,972 |
| Efficiency ratio | 64.4724% | 5,268 |
| Assets per employee ($millions) | 4.3003% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,969 |
| Loan loss allowance to noncurrent loans | 162.7513% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 5,291 |
| Noncurrent loans to loans | 1.0854% | 4,918 |
| Net loans and leases to total assets | 77.9174% | 958 |
| Net loans and leases to deposits | 87.8318% | 1,816 |
| Net loans and leases to core deposits | 108.1608% | 1,036 |
| Total domestic deposits to total assets | 88.7121% | 1,817 |
| Equity capital to assets | 10.7687% | 2,885 |
| Core capital (leverage) ratio | 10.4532% | 2,603 |
| Tier 1 risk-based capital ratio | 12.7297% | 4,839 |
| Total risk-based capital ratio | 13.9854% | 4,805 |
| Memoranda: | ||
| Average total assets | $180,959,600 | 3,362 |
| Average earning assets | $171,739,400 | 3,250 |
| Average equity | $19,302,200 | 3,241 |
| Average total loans | $145,961,400 | 2,840 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5269% | 2,331 |
| Cost of funding earning assets | 0.8968% | 6,404 |
| Net interest margin | 4.6301% | 980 |
| Noninterest income to average assets | 0.4015% | 4,945 |
| Noninterest expense to average assets | 3.0263% | 3,657 |
| Loan and lease loss provision to assets | 0.6668% | 2,296 |
| Net operating income to assets | 0.7060% | 3,388 |
| Return on assets (ROA) | 0.7060% | 3,538 |
| Pretax return on assets | 1.0994% | 2,825 |
| Return on Equity (ROE) | 6.6353% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.6353% | 2,022 |
| Net charge-offs to loans | 0.5990% | 2,946 |
| Credit loss provision to net charge-offs | 137.4046% | 2,906 |
| Earnings coverage of net charge-offs (x) | 3.6397% | 3,361 |
| Efficiency ratio | 63.1473% | 5,413 |
| Assets per employee ($millions) | 4.5270% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 3,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 6,616 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 74.6881% | 1,639 |
| Net loans and leases to deposits | 83.5805% | 2,780 |
| Net loans and leases to core deposits | 109.3347% | 1,074 |
| Total domestic deposits to total assets | 89.3606% | 1,194 |
| Equity capital to assets | 10.0933% | 4,031 |
| Core capital (leverage) ratio | 10.3044% | 2,910 |
| Tier 1 risk-based capital ratio | 12.2670% | 5,205 |
| Total risk-based capital ratio | 13.5266% | 5,173 |
| Memoranda: | ||
| Average total assets | $179,970,750 | 3,422 |
| Average earning assets | $170,676,500 | 3,311 |
| Average equity | $19,149,500 | 3,299 |
| Average total loans | $145,783,750 | 2,879 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6790% | 1,843 |
| Cost of funding earning assets | 0.8773% | 6,660 |
| Net interest margin | 4.8017% | 660 |
| Noninterest income to average assets | 0.3770% | 5,108 |
| Noninterest expense to average assets | 3.1153% | 3,242 |
| Loan and lease loss provision to assets | 0.6854% | 2,112 |
| Net operating income to assets | 0.7151% | 3,329 |
| Return on assets (ROA) | 0.7151% | 3,484 |
| Pretax return on assets | 1.1218% | 2,703 |
| Return on Equity (ROE) | 6.5953% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.5953% | 2,024 |
| Net charge-offs to loans | 0.7760% | 2,304 |
| Credit loss provision to net charge-offs | 106.5719% | 3,830 |
| Earnings coverage of net charge-offs (x) | 2.8099% | 3,583 |
| Efficiency ratio | 63.2861% | 5,469 |
| Assets per employee ($millions) | 4.2700% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,717 |
| Loan loss allowance to noncurrent loans | 586.3158% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 6,135 |
| Noncurrent loans to loans | 0.2625% | 6,706 |
| Net loans and leases to total assets | 77.6227% | 1,174 |
| Net loans and leases to deposits | 87.2763% | 2,294 |
| Net loans and leases to core deposits | 115.7641% | 855 |
| Total domestic deposits to total assets | 88.9391% | 1,472 |
| Equity capital to assets | 10.5174% | 3,389 |
| Core capital (leverage) ratio | 11.0259% | 2,223 |
| Tier 1 risk-based capital ratio | 12.3968% | 4,950 |
| Total risk-based capital ratio | 13.6497% | 4,928 |
| Memoranda: | ||
| Average total assets | $175,073,330 | 3,515 |
| Average earning assets | $165,732,000 | 3,415 |
| Average equity | $18,983,330 | 3,305 |
| Average total loans | $145,103,000 | 2,920 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8062% | 1,435 |
| Cost of funding earning assets | 0.8712% | 6,865 |
| Net interest margin | 4.9350% | 481 |
| Noninterest income to average assets | 0.3841% | 5,055 |
| Noninterest expense to average assets | 3.1896% | 2,913 |
| Loan and lease loss provision to assets | 0.7026% | 1,810 |
| Net operating income to assets | 0.7283% | 3,319 |
| Return on assets (ROA) | 0.7283% | 3,425 |
| Pretax return on assets | 1.1616% | 2,503 |
| Return on Equity (ROE) | 6.6102% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.6102% | 2,313 |
| Net charge-offs to loans | 0.4047% | 2,825 |
| Credit loss provision to net charge-offs | 204.0816% | 1,823 |
| Earnings coverage of net charge-offs (x) | 5.4150% | 2,403 |
| Efficiency ratio | 63.1140% | 5,642 |
| Assets per employee ($millions) | 3.9616% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 3,494 |
| Loan loss allowance to noncurrent loans | 222.1801% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 5,969 |
| Noncurrent loans to loans | 0.7158% | 5,895 |
| Net loans and leases to total assets | 85.1457% | 278 |
| Net loans and leases to deposits | 96.4363% | 1,057 |
| Net loans and leases to core deposits | 130.4740% | 480 |
| Total domestic deposits to total assets | 88.2922% | 1,908 |
| Equity capital to assets | 11.1425% | 2,642 |
| Core capital (leverage) ratio | 11.0696% | 2,189 |
| Tier 1 risk-based capital ratio | 12.0752% | 5,115 |
| Total risk-based capital ratio | 13.3352% | 5,073 |
| Memoranda: | ||
| Average total assets | $170,805,000 | 3,647 |
| Average earning assets | $161,619,500 | 3,532 |
| Average equity | $18,819,500 | 3,341 |
| Average total loans | $145,279,000 | 2,978 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8656% | 2,388 |
| Cost of funding earning assets | 1.2056% | 6,640 |
| Net interest margin | 4.6600% | 887 |
| Noninterest income to average assets | 0.4497% | 4,813 |
| Noninterest expense to average assets | 3.2962% | 3,021 |
| Loan and lease loss provision to assets | 1.0623% | 2,161 |
| Net operating income to assets | 0.2661% | 4,661 |
| Return on assets (ROA) | 0.2756% | 4,714 |
| Pretax return on assets | 0.3913% | 4,520 |
| Return on Equity (ROE) | 2.5686% | 4,676 |
| Retained earnings to average equity (ytd only) | 2.5686% | 3,348 |
| Net charge-offs to loans | 1.0571% | 2,297 |
| Credit loss provision to net charge-offs | 121.6216% | 4,369 |
| Earnings coverage of net charge-offs (x) | 1.6486% | 4,500 |
| Efficiency ratio | 69.5950% | 4,714 |
| Assets per employee ($millions) | 3.9828% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 3,571 |
| Loan loss allowance to noncurrent loans | 189.6970% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 5,777 |
| Noncurrent loans to loans | 0.8067% | 5,668 |
| Net loans and leases to total assets | 82.3177% | 639 |
| Net loans and leases to deposits | 92.9070% | 1,749 |
| Net loans and leases to core deposits | 117.6354% | 2,167 |
| Total domestic deposits to total assets | 88.6023% | 1,673 |
| Equity capital to assets | 10.8944% | 2,781 |
| Core capital (leverage) ratio | 10.5478% | 2,557 |
| Tier 1 risk-based capital ratio | 12.1442% | 4,820 |
| Total risk-based capital ratio | 13.3965% | 4,781 |
| Memoranda: | ||
| Average total assets | $169,437,200 | 3,626 |
| Average earning assets | $155,856,800 | 3,598 |
| Average equity | $18,180,800 | 3,479 |
| Average total loans | $139,999,400 | 3,084 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8932% | 2,481 |
| Cost of funding earning assets | 1.2763% | 6,636 |
| Net interest margin | 4.6169% | 966 |
| Noninterest income to average assets | 0.4450% | 4,934 |
| Noninterest expense to average assets | 3.2255% | 3,212 |
| Loan and lease loss provision to assets | 1.1835% | 1,640 |
| Net operating income to assets | 0.1478% | 5,329 |
| Return on assets (ROA) | 0.1594% | 5,344 |
| Pretax return on assets | 0.2698% | 5,134 |
| Return on Equity (ROE) | 1.4912% | 5,335 |
| Retained earnings to average equity (ytd only) | 1.4912% | 4,478 |
| Net charge-offs to loans | 1.0210% | 1,933 |
| Credit loss provision to net charge-offs | 140.7129% | 3,490 |
| Earnings coverage of net charge-offs (x) | 1.7064% | 4,515 |
| Efficiency ratio | 69.2060% | 4,744 |
| Assets per employee ($millions) | 4.1140% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 2,857 |
| Loan loss allowance to noncurrent loans | 133.5652% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 1.1430% | 4,786 |
| Noncurrent loans to loans | 1.2258% | 4,900 |
| Net loans and leases to total assets | 78.2472% | 1,523 |
| Net loans and leases to deposits | 87.9354% | 2,970 |
| Net loans and leases to core deposits | 112.0030% | 3,024 |
| Total domestic deposits to total assets | 88.9825% | 1,206 |
| Equity capital to assets | 10.3894% | 3,630 |
| Core capital (leverage) ratio | 10.6802% | 2,645 |
| Tier 1 risk-based capital ratio | 12.1924% | 4,799 |
| Total risk-based capital ratio | 13.4462% | 4,748 |
| Memoranda: | ||
| Average total assets | $168,981,000 | 3,646 |
| Average earning assets | $154,297,750 | 3,650 |
| Average equity | $18,061,500 | 3,527 |
| Average total loans | $139,206,750 | 3,133 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0287% | 2,060 |
| Cost of funding earning assets | 1.3482% | 6,656 |
| Net interest margin | 4.6805% | 828 |
| Noninterest income to average assets | 0.4304% | 5,026 |
| Noninterest expense to average assets | 3.3509% | 2,784 |
| Loan and lease loss provision to assets | 1.4428% | 1,204 |
| Net operating income to assets | -0.2032% | 6,194 |
| Return on assets (ROA) | -0.1755% | 6,171 |
| Pretax return on assets | -0.1154% | 6,010 |
| Return on Equity (ROE) | -1.6262% | 6,167 |
| Retained earnings to average equity (ytd only) | -1.6262% | 5,653 |
| Net charge-offs to loans | 0.9690% | 1,806 |
| Credit loss provision to net charge-offs | 178.5714% | 2,563 |
| Earnings coverage of net charge-offs (x) | 1.6086% | 4,335 |
| Efficiency ratio | 72.0527% | 4,401 |
| Assets per employee ($millions) | 3.9333% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 2,232 |
| Loan loss allowance to noncurrent loans | 298.0124% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 5,559 |
| Noncurrent loans to loans | 0.5819% | 6,094 |
| Net loans and leases to total assets | 80.3796% | 1,244 |
| Net loans and leases to deposits | 90.5172% | 2,744 |
| Net loans and leases to core deposits | 115.3806% | 2,774 |
| Total domestic deposits to total assets | 88.8003% | 1,372 |
| Equity capital to assets | 10.6474% | 3,255 |
| Core capital (leverage) ratio | 10.8873% | 2,498 |
| Tier 1 risk-based capital ratio | 12.1905% | 4,763 |
| Total risk-based capital ratio | 13.4444% | 4,670 |
| Memoranda: | ||
| Average total assets | $166,341,000 | 3,698 |
| Average earning assets | $149,982,670 | 3,745 |
| Average equity | $17,955,670 | 3,555 |
| Average total loans | $138,701,000 | 3,167 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2197% | 1,537 |
| Cost of funding earning assets | 1.4351% | 6,621 |
| Net interest margin | 4.7846% | 632 |
| Noninterest income to average assets | 0.4341% | 4,926 |
| Noninterest expense to average assets | 3.1622% | 3,143 |
| Loan and lease loss provision to assets | 2.1825% | 540 |
| Net operating income to assets | -0.6984% | 7,055 |
| Return on assets (ROA) | -0.6475% | 7,044 |
| Pretax return on assets | -0.6475% | 6,932 |
| Return on Equity (ROE) | -5.9567% | 7,060 |
| Retained earnings to average equity (ytd only) | -5.9567% | 6,677 |
| Net charge-offs to loans | 0.0518% | 4,743 |
| Credit loss provision to net charge-offs | 5,000.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 967 |
| Efficiency ratio | 68.0585% | 4,961 |
| Assets per employee ($millions) | 4.0033% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 1,459 |
| Loan loss allowance to noncurrent loans | 942.8082% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 6,089 |
| Noncurrent loans to loans | 0.2103% | 6,928 |
| Net loans and leases to total assets | 77.2558% | 1,979 |
| Net loans and leases to deposits | 86.4206% | 3,563 |
| Net loans and leases to core deposits | 101.6463% | 4,383 |
| Total domestic deposits to total assets | 89.3952% | 1,057 |
| Equity capital to assets | 10.1467% | 3,832 |
| Core capital (leverage) ratio | 10.7592% | 2,690 |
| Tier 1 risk-based capital ratio | 12.1262% | 4,844 |
| Total risk-based capital ratio | 13.3844% | 4,738 |
| Memoranda: | ||
| Average total assets | $164,946,500 | 3,744 |
| Average earning assets | $145,215,500 | 3,852 |
| Average equity | $17,929,500 | 3,573 |
| Average total loans | $138,879,000 | 3,195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8238% | 1,603 |
| Cost of funding earning assets | 1.7633% | 7,104 |
| Net interest margin | 5.0605% | 444 |
| Noninterest income to average assets | 0.6271% | 3,657 |
| Noninterest expense to average assets | 3.3744% | 2,750 |
| Loan and lease loss provision to assets | 1.1142% | 1,299 |
| Net operating income to assets | 0.4459% | 4,966 |
| Return on assets (ROA) | 0.4463% | 4,788 |
| Pretax return on assets | 0.8188% | 3,998 |
| Return on Equity (ROE) | 3.9718% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.9718% | 2,660 |
| Net charge-offs to loans | 1.2468% | 963 |
| Credit loss provision to net charge-offs | 103.2448% | 5,176 |
| Earnings coverage of net charge-offs (x) | 1.7906% | 5,179 |
| Efficiency ratio | 63.5873% | 5,651 |
| Assets per employee ($millions) | 3.4166% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 3,495 |
| Loan loss allowance to noncurrent loans | 276.3663% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 5,391 |
| Noncurrent loans to loans | 0.4873% | 5,885 |
| Net loans and leases to total assets | 89.1406% | 268 |
| Net loans and leases to deposits | 105.4466% | 1,174 |
| Net loans and leases to core deposits | 127.6865% | 2,029 |
| Total domestic deposits to total assets | 84.5363% | 3,055 |
| Equity capital to assets | 11.6984% | 2,503 |
| Core capital (leverage) ratio | 11.5772% | 2,208 |
| Tier 1 risk-based capital ratio | 12.1841% | 4,680 |
| Total risk-based capital ratio | 13.4349% | 4,570 |
| Memoranda: | ||
| Average total assets | $157,065,800 | 3,772 |
| Average earning assets | $145,242,000 | 3,737 |
| Average equity | $17,649,400 | 3,615 |
| Average total loans | $135,952,400 | 3,160 |