Home > Scituate Federal Savings Bank > Performance and Condition Ratios
Scituate Federal Savings Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 4,400 |
| Cost of funding earning assets | 0.7438% | 670 |
| Net interest margin | 2.9624% | 5,283 |
| Noninterest income to average assets | 0.4181% | 3,945 |
| Noninterest expense to average assets | 2.6095% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4101% | 5,128 |
| Return on assets (ROA) | 0.4008% | 5,254 |
| Pretax return on assets | 0.5712% | 5,044 |
| Return on Equity (ROE) | 4.8804% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.7712% | 3,789 |
| Net charge-offs to loans | 0.0086% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 91.6240% | 673 |
| Efficiency ratio | 80.5191% | 1,578 |
| Assets per employee ($millions) | 6.0525% | 1,340 |
| Cash dividends to net income (ytd only)* | 22.7274% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 5,662 |
| Loan loss allowance to noncurrent loans | 743.8914% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 5,462 |
| Noncurrent loans to loans | 0.0980% | 5,242 |
| Net loans and leases to total assets | 75.5032% | 1,460 |
| Net loans and leases to deposits | 93.0438% | 1,299 |
| Net loans and leases to core deposits | 97.6725% | 1,727 |
| Total domestic deposits to total assets | 81.1480% | 4,438 |
| Equity capital to assets | 8.2364% | 5,854 |
| Core capital (leverage) ratio | 8.1736% | 5,799 |
| Tier 1 risk-based capital ratio | 14.2017% | 3,723 |
| Total risk-based capital ratio | 15.1740% | 3,832 |
| Memoranda: | ||
| Average total assets | $292,718,000 | 2,204 |
| Average earning assets | $274,274,000 | 2,190 |
| Average equity | $24,041,250 | 2,799 |
| Average total loans | $216,079,500 | 1,957 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6940% | 4,425 |
| Cost of funding earning assets | 0.7498% | 649 |
| Net interest margin | 2.9442% | 5,354 |
| Noninterest income to average assets | 0.4083% | 4,023 |
| Noninterest expense to average assets | 2.5886% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3997% | 5,138 |
| Return on assets (ROA) | 0.3912% | 5,269 |
| Pretax return on assets | 0.5641% | 5,064 |
| Return on Equity (ROE) | 4.7673% | 4,719 |
| Retained earnings to average equity (ytd only) | 3.0946% | 4,076 |
| Net charge-offs to loans | 0.0066% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 526 |
| Efficiency ratio | 80.6158% | 1,674 |
| Assets per employee ($millions) | 6.0010% | 1,352 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 5,717 |
| Loan loss allowance to noncurrent loans | 322.4609% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 5,181 |
| Noncurrent loans to loans | 0.2322% | 4,841 |
| Net loans and leases to total assets | 74.4268% | 1,593 |
| Net loans and leases to deposits | 90.3626% | 1,550 |
| Net loans and leases to core deposits | 94.5059% | 1,908 |
| Total domestic deposits to total assets | 82.3646% | 4,163 |
| Equity capital to assets | 8.2037% | 5,877 |
| Core capital (leverage) ratio | 8.1352% | 5,843 |
| Tier 1 risk-based capital ratio | 14.3285% | 3,741 |
| Total risk-based capital ratio | 15.3265% | 3,815 |
| Memoranda: | ||
| Average total assets | $291,433,000 | 2,226 |
| Average earning assets | $272,876,000 | 2,212 |
| Average equity | $23,912,670 | 2,819 |
| Average total loans | $212,917,330 | 1,991 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 4,448 |
| Cost of funding earning assets | 0.7526% | 644 |
| Net interest margin | 2.9237% | 5,398 |
| Noninterest income to average assets | 0.4357% | 3,725 |
| Noninterest expense to average assets | 2.5961% | 3,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4253% | 4,973 |
| Return on assets (ROA) | 0.4191% | 5,119 |
| Pretax return on assets | 0.5680% | 5,000 |
| Return on Equity (ROE) | 5.1076% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.1076% | 2,994 |
| Net charge-offs to loans | 0.0134% | 2,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 59.7143% | 741 |
| Efficiency ratio | 80.6171% | 1,810 |
| Assets per employee ($millions) | 6.2233% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 5,737 |
| Loan loss allowance to noncurrent loans | 296.9424% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 5,190 |
| Noncurrent loans to loans | 0.2635% | 4,841 |
| Net loans and leases to total assets | 71.5780% | 1,880 |
| Net loans and leases to deposits | 87.0206% | 1,721 |
| Net loans and leases to core deposits | 91.0305% | 2,029 |
| Total domestic deposits to total assets | 82.2541% | 4,434 |
| Equity capital to assets | 8.1571% | 5,962 |
| Core capital (leverage) ratio | 8.1838% | 5,818 |
| Tier 1 risk-based capital ratio | 15.0423% | 3,409 |
| Total risk-based capital ratio | 16.1032% | 3,451 |
| Memoranda: | ||
| Average total assets | $290,124,500 | 2,249 |
| Average earning assets | $271,574,500 | 2,238 |
| Average equity | $23,807,500 | 2,854 |
| Average total loans | $209,124,500 | 2,019 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,848 |
| Cost of funding earning assets | 0.7882% | 688 |
| Net interest margin | 2.8935% | 5,659 |
| Noninterest income to average assets | 0.3860% | 4,292 |
| Noninterest expense to average assets | 2.7114% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2896% | 5,544 |
| Return on assets (ROA) | 0.2791% | 5,642 |
| Pretax return on assets | 0.3476% | 5,603 |
| Return on Equity (ROE) | 3.3055% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.3055% | 3,875 |
| Net charge-offs to loans | 0.0277% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 19.1538% | 1,798 |
| Efficiency ratio | 87.0595% | 1,071 |
| Assets per employee ($millions) | 5.9949% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 5,770 |
| Loan loss allowance to noncurrent loans | 282.4532% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 5,210 |
| Noncurrent loans to loans | 0.2833% | 4,836 |
| Net loans and leases to total assets | 71.4423% | 2,009 |
| Net loans and leases to deposits | 87.8734% | 1,748 |
| Net loans and leases to core deposits | 91.8329% | 2,108 |
| Total domestic deposits to total assets | 81.3014% | 4,657 |
| Equity capital to assets | 8.2557% | 5,927 |
| Core capital (leverage) ratio | 8.2557% | 5,817 |
| Tier 1 risk-based capital ratio | 15.0215% | 3,474 |
| Total risk-based capital ratio | 16.0699% | 3,521 |
| Memoranda: | ||
| Average total assets | $276,200,200 | 2,311 |
| Average earning assets | $256,403,600 | 2,300 |
| Average equity | $23,324,800 | 2,816 |
| Average total loans | $187,617,000 | 2,138 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 4,959 |
| Cost of funding earning assets | 0.7942% | 706 |
| Net interest margin | 2.8708% | 5,760 |
| Noninterest income to average assets | 0.3376% | 4,735 |
| Noninterest expense to average assets | 2.7699% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1970% | 5,854 |
| Return on assets (ROA) | 0.1864% | 5,916 |
| Pretax return on assets | 0.2146% | 5,925 |
| Return on Equity (ROE) | 2.1937% | 5,791 |
| Retained earnings to average equity (ytd only) | 2.1937% | 4,961 |
| Net charge-offs to loans | 0.0372% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.1174% | 2,710 |
| Efficiency ratio | 91.1769% | 760 |
| Assets per employee ($millions) | 6.0088% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 5,809 |
| Loan loss allowance to noncurrent loans | 328.5149% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,492 |
| Noncurrent loans to loans | 0.2511% | 5,151 |
| Net loans and leases to total assets | 70.6230% | 2,089 |
| Net loans and leases to deposits | 85.4209% | 1,980 |
| Net loans and leases to core deposits | 89.0310% | 2,321 |
| Total domestic deposits to total assets | 82.6766% | 4,243 |
| Equity capital to assets | 8.2754% | 5,963 |
| Core capital (leverage) ratio | 8.2754% | 5,859 |
| Tier 1 risk-based capital ratio | 15.4773% | 3,337 |
| Total risk-based capital ratio | 16.5759% | 3,348 |
| Memoranda: | ||
| Average total assets | $273,311,750 | 2,352 |
| Average earning assets | $253,164,500 | 2,336 |
| Average equity | $23,217,000 | 2,834 |
| Average total loans | $182,712,250 | 2,209 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,997 |
| Cost of funding earning assets | 0.7932% | 740 |
| Net interest margin | 2.8601% | 5,800 |
| Noninterest income to average assets | 0.3796% | 4,408 |
| Noninterest expense to average assets | 2.6758% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2750% | 5,647 |
| Return on assets (ROA) | 0.2649% | 5,752 |
| Pretax return on assets | 0.3300% | 5,725 |
| Return on Equity (ROE) | 3.0908% | 5,495 |
| Retained earnings to average equity (ytd only) | 3.0908% | 4,234 |
| Net charge-offs to loans | 0.0589% | 3,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.9038% | 2,431 |
| Efficiency ratio | 87.4479% | 1,139 |
| Assets per employee ($millions) | 5.6703% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 5,776 |
| Loan loss allowance to noncurrent loans | 97.8171% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 2,992 |
| Noncurrent loans to loans | 0.9017% | 3,449 |
| Net loans and leases to total assets | 68.4523% | 2,335 |
| Net loans and leases to deposits | 81.9316% | 2,257 |
| Net loans and leases to core deposits | 85.7090% | 2,547 |
| Total domestic deposits to total assets | 83.5481% | 4,092 |
| Equity capital to assets | 8.5765% | 5,736 |
| Core capital (leverage) ratio | 8.5765% | 5,551 |
| Tier 1 risk-based capital ratio | 16.0668% | 3,053 |
| Total risk-based capital ratio | 17.2080% | 3,049 |
| Memoranda: | ||
| Average total assets | $270,277,330 | 2,374 |
| Average earning assets | $249,361,000 | 2,363 |
| Average equity | $23,165,670 | 2,834 |
| Average total loans | $176,580,000 | 2,273 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 5,040 |
| Cost of funding earning assets | 0.7893% | 786 |
| Net interest margin | 2.8488% | 5,851 |
| Noninterest income to average assets | 0.3535% | 4,547 |
| Noninterest expense to average assets | 2.6302% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2947% | 5,514 |
| Return on assets (ROA) | 0.2807% | 5,606 |
| Pretax return on assets | 0.3282% | 5,655 |
| Return on Equity (ROE) | 3.2760% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.2760% | 4,156 |
| Net charge-offs to loans | 0.1311% | 1,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 2,565 |
| Efficiency ratio | 87.2192% | 1,317 |
| Assets per employee ($millions) | 5.6857% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 5,705 |
| Loan loss allowance to noncurrent loans | 100.9768% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.4123% | 2,506 |
| Noncurrent loans to loans | 0.9399% | 3,541 |
| Net loans and leases to total assets | 64.5930% | 2,795 |
| Net loans and leases to deposits | 77.5276% | 2,621 |
| Net loans and leases to core deposits | 80.8908% | 2,864 |
| Total domestic deposits to total assets | 83.3162% | 4,493 |
| Equity capital to assets | 8.6742% | 5,463 |
| Core capital (leverage) ratio | 8.6742% | 5,423 |
| Tier 1 risk-based capital ratio | 16.0038% | 3,171 |
| Total risk-based capital ratio | 17.1457% | 3,179 |
| Memoranda: | ||
| Average total assets | $269,328,500 | 2,385 |
| Average earning assets | $247,822,500 | 2,370 |
| Average equity | $23,077,000 | 2,839 |
| Average total loans | $170,886,000 | 2,334 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 5,947 |
| Cost of funding earning assets | 0.8777% | 833 |
| Net interest margin | 2.4548% | 6,406 |
| Noninterest income to average assets | 0.5102% | 3,689 |
| Noninterest expense to average assets | 2.6277% | 4,361 |
| Loan and lease loss provision to assets | -0.0495% | 6,379 |
| Net operating income to assets | 0.0897% | 6,070 |
| Return on assets (ROA) | 0.0473% | 6,182 |
| Pretax return on assets | 0.1272% | 6,051 |
| Return on Equity (ROE) | 0.5608% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.5608% | 5,591 |
| Net charge-offs to loans | 0.0080% | 5,294 |
| Credit loss provision to net charge-offs | -1,038.4615% | 6,231 |
| Earnings coverage of net charge-offs (x) | 30.2308% | 1,185 |
| Efficiency ratio | 93.1500% | 795 |
| Assets per employee ($millions) | 5.6547% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 5,459 |
| Loan loss allowance to noncurrent loans | 98.3890% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.4089% | 2,632 |
| Noncurrent loans to loans | 1.0376% | 3,435 |
| Net loans and leases to total assets | 61.0831% | 3,517 |
| Net loans and leases to deposits | 73.0208% | 3,397 |
| Net loans and leases to core deposits | 76.3801% | 3,568 |
| Total domestic deposits to total assets | 83.6516% | 4,299 |
| Equity capital to assets | 8.4642% | 5,622 |
| Core capital (leverage) ratio | 8.4642% | 5,709 |
| Tier 1 risk-based capital ratio | 15.6477% | 3,280 |
| Total risk-based capital ratio | 16.8124% | 3,287 |
| Memoranda: | ||
| Average total assets | $272,822,200 | 2,326 |
| Average earning assets | $251,341,600 | 2,312 |
| Average equity | $23,001,200 | 2,821 |
| Average total loans | $161,788,200 | 2,398 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 6,017 |
| Cost of funding earning assets | 0.8157% | 1,237 |
| Net interest margin | 2.5070% | 6,421 |
| Noninterest income to average assets | 0.4876% | 3,890 |
| Noninterest expense to average assets | 2.6244% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1762% | 5,974 |
| Return on assets (ROA) | 0.1762% | 6,045 |
| Pretax return on assets | 0.1718% | 6,089 |
| Return on Equity (ROE) | 2.0920% | 5,910 |
| Retained earnings to average equity (ytd only) | 2.0920% | 5,074 |
| Net charge-offs to loans | 0.0241% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.1365% | 2,169 |
| Efficiency ratio | 93.8558% | 745 |
| Assets per employee ($millions) | 5.9404% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,233 |
| Loan loss allowance to noncurrent loans | 92.3232% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.9284% | 2,103 |
| Noncurrent loans to loans | 1.2177% | 3,375 |
| Net loans and leases to total assets | 57.5854% | 4,080 |
| Net loans and leases to deposits | 68.5777% | 3,986 |
| Net loans and leases to core deposits | 71.6366% | 4,135 |
| Total domestic deposits to total assets | 83.9710% | 4,198 |
| Equity capital to assets | 8.2876% | 5,928 |
| Core capital (leverage) ratio | 8.3381% | 5,935 |
| Tier 1 risk-based capital ratio | 16.6940% | 2,863 |
| Total risk-based capital ratio | 17.9432% | 2,818 |
| Memoranda: | ||
| Average total assets | $273,171,000 | 2,326 |
| Average earning assets | $251,559,250 | 2,327 |
| Average equity | $23,008,000 | 2,852 |
| Average total loans | $160,358,750 | 2,432 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3432% | 6,013 |
| Cost of funding earning assets | 0.8268% | 1,276 |
| Net interest margin | 2.5164% | 6,431 |
| Noninterest income to average assets | 0.5746% | 3,351 |
| Noninterest expense to average assets | 2.6951% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1873% | 5,939 |
| Return on assets (ROA) | 0.1873% | 6,054 |
| Pretax return on assets | 0.1940% | 6,092 |
| Return on Equity (ROE) | 2.2121% | 5,878 |
| Retained earnings to average equity (ytd only) | 2.2121% | 4,865 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2857% | 798 |
| Assets per employee ($millions) | 5.7954% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 5,265 |
| Loan loss allowance to noncurrent loans | 90.2332% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.8235% | 2,381 |
| Noncurrent loans to loans | 1.2680% | 3,435 |
| Net loans and leases to total assets | 58.9060% | 3,840 |
| Net loans and leases to deposits | 70.5126% | 3,656 |
| Net loans and leases to core deposits | 73.6425% | 3,859 |
| Total domestic deposits to total assets | 83.5397% | 4,500 |
| Equity capital to assets | 8.4517% | 5,816 |
| Core capital (leverage) ratio | 8.5079% | 5,665 |
| Tier 1 risk-based capital ratio | 16.7430% | 2,818 |
| Total risk-based capital ratio | 18.0009% | 2,786 |
| Memoranda: | ||
| Average total assets | $271,161,000 | 2,359 |
| Average earning assets | $249,399,330 | 2,349 |
| Average equity | $22,964,330 | 2,869 |
| Average total loans | $159,609,330 | 2,446 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 6,046 |
| Cost of funding earning assets | 0.8261% | 1,391 |
| Net interest margin | 2.5219% | 6,484 |
| Noninterest income to average assets | 0.5973% | 3,156 |
| Noninterest expense to average assets | 2.4617% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3637% | 5,291 |
| Return on assets (ROA) | 0.3637% | 5,427 |
| Pretax return on assets | 0.4509% | 5,411 |
| Return on Equity (ROE) | 4.2902% | 4,948 |
| Retained earnings to average equity (ytd only) | 4.2902% | 3,651 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5178% | 1,702 |
| Assets per employee ($millions) | 5.7565% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 5,244 |
| Loan loss allowance to noncurrent loans | 79.5630% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 2.0654% | 2,270 |
| Noncurrent loans to loans | 1.4894% | 3,319 |
| Net loans and leases to total assets | 57.2327% | 3,882 |
| Net loans and leases to deposits | 68.5362% | 3,706 |
| Net loans and leases to core deposits | 71.8743% | 3,834 |
| Total domestic deposits to total assets | 83.5072% | 4,666 |
| Equity capital to assets | 8.5206% | 5,999 |
| Core capital (leverage) ratio | 8.5620% | 5,492 |
| Tier 1 risk-based capital ratio | 17.1557% | 2,688 |
| Total risk-based capital ratio | 18.4066% | 2,661 |
| Memoranda: | ||
| Average total assets | $270,550,000 | 2,387 |
| Average earning assets | $248,389,000 | 2,393 |
| Average equity | $22,936,000 | 2,934 |
| Average total loans | $158,260,500 | 2,475 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 5,425 |
| Cost of funding earning assets | 1.0339% | 1,191 |
| Net interest margin | 2.9209% | 6,188 |
| Noninterest income to average assets | 0.6193% | 3,170 |
| Noninterest expense to average assets | 2.5748% | 4,842 |
| Loan and lease loss provision to assets | 0.0564% | 5,081 |
| Net operating income to assets | 0.5141% | 4,624 |
| Return on assets (ROA) | 0.5141% | 4,893 |
| Pretax return on assets | 0.6708% | 4,755 |
| Return on Equity (ROE) | 6.1832% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.1832% | 1,981 |
| Net charge-offs to loans | 0.0086% | 5,827 |
| Credit loss provision to net charge-offs | 1,071.4286% | 246 |
| Earnings coverage of net charge-offs (x) | 138.2143% | 302 |
| Efficiency ratio | 77.9788% | 2,449 |
| Assets per employee ($millions) | 5.6364% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 5,298 |
| Loan loss allowance to noncurrent loans | 82.3503% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.8725% | 2,610 |
| Noncurrent loans to loans | 1.4110% | 3,483 |
| Net loans and leases to total assets | 58.3862% | 3,903 |
| Net loans and leases to deposits | 69.9348% | 3,723 |
| Net loans and leases to core deposits | 73.1687% | 3,898 |
| Total domestic deposits to total assets | 83.4867% | 4,543 |
| Equity capital to assets | 8.4345% | 6,100 |
| Core capital (leverage) ratio | 8.4714% | 5,656 |
| Tier 1 risk-based capital ratio | 16.8634% | 2,718 |
| Total risk-based capital ratio | 18.1149% | 2,683 |
| Memoranda: | ||
| Average total assets | $266,116,400 | 2,386 |
| Average earning assets | $244,408,200 | 2,375 |
| Average equity | $22,124,600 | 2,956 |
| Average total loans | $163,386,800 | 2,380 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 5,218 |
| Cost of funding earning assets | 1.0704% | 1,195 |
| Net interest margin | 3.0207% | 6,126 |
| Noninterest income to average assets | 0.5263% | 3,764 |
| Noninterest expense to average assets | 2.5996% | 4,739 |
| Loan and lease loss provision to assets | 0.0503% | 5,131 |
| Net operating income to assets | 0.5092% | 4,813 |
| Return on assets (ROA) | 0.5092% | 5,074 |
| Pretax return on assets | 0.6520% | 5,003 |
| Return on Equity (ROE) | 6.1469% | 4,264 |
| Retained earnings to average equity (ytd only) | 6.1469% | 2,603 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7292% | 2,279 |
| Assets per employee ($millions) | 5.8169% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,663 |
| Loan loss allowance to noncurrent loans | 88.2809% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.6541% | 3,100 |
| Noncurrent loans to loans | 1.2622% | 3,944 |
| Net loans and leases to total assets | 60.4636% | 3,678 |
| Net loans and leases to deposits | 72.4319% | 3,546 |
| Net loans and leases to core deposits | 76.2616% | 3,696 |
| Total domestic deposits to total assets | 83.4765% | 4,447 |
| Equity capital to assets | 8.4040% | 6,346 |
| Core capital (leverage) ratio | 8.4327% | 5,851 |
| Tier 1 risk-based capital ratio | 16.7177% | 2,890 |
| Total risk-based capital ratio | 17.9683% | 2,849 |
| Memoranda: | ||
| Average total assets | $265,009,250 | 2,418 |
| Average earning assets | $243,513,000 | 2,414 |
| Average equity | $21,951,000 | 3,004 |
| Average total loans | $164,279,000 | 2,402 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 4,886 |
| Cost of funding earning assets | 1.0816% | 1,302 |
| Net interest margin | 3.1377% | 5,895 |
| Noninterest income to average assets | 0.5724% | 3,428 |
| Noninterest expense to average assets | 2.6492% | 4,611 |
| Loan and lease loss provision to assets | 0.0757% | 4,677 |
| Net operating income to assets | 0.4831% | 4,898 |
| Return on assets (ROA) | 0.4831% | 5,146 |
| Pretax return on assets | 0.7291% | 4,738 |
| Return on Equity (ROE) | 5.8606% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.8606% | 2,795 |
| Net charge-offs to loans | 0.0012% | 5,502 |
| Credit loss provision to net charge-offs | 10,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,063.0000% | 29 |
| Efficiency ratio | 76.6988% | 2,635 |
| Assets per employee ($millions) | 6.8424% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,649 |
| Loan loss allowance to noncurrent loans | 103.7016% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.8909% | 2,918 |
| Noncurrent loans to loans | 1.0886% | 4,347 |
| Net loans and leases to total assets | 59.7664% | 3,867 |
| Net loans and leases to deposits | 71.5082% | 3,686 |
| Net loans and leases to core deposits | 74.9912% | 3,884 |
| Total domestic deposits to total assets | 83.5798% | 4,497 |
| Equity capital to assets | 8.2791% | 6,393 |
| Core capital (leverage) ratio | 8.3158% | 5,889 |
| Tier 1 risk-based capital ratio | 16.4885% | 2,922 |
| Total risk-based capital ratio | 17.7464% | 2,882 |
| Memoranda: | ||
| Average total assets | $264,153,670 | 2,421 |
| Average earning assets | $242,600,330 | 2,417 |
| Average equity | $21,772,330 | 3,010 |
| Average total loans | $164,502,330 | 2,406 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 4,584 |
| Cost of funding earning assets | 1.0957% | 1,425 |
| Net interest margin | 3.2406% | 5,662 |
| Noninterest income to average assets | 0.4277% | 4,472 |
| Noninterest expense to average assets | 2.5510% | 4,987 |
| Loan and lease loss provision to assets | 0.0761% | 4,445 |
| Net operating income to assets | 0.5114% | 4,779 |
| Return on assets (ROA) | 0.5114% | 4,993 |
| Pretax return on assets | 0.7762% | 4,507 |
| Return on Equity (ROE) | 6.2188% | 4,179 |
| Retained earnings to average equity (ytd only) | 6.2188% | 2,833 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9553% | 2,948 |
| Assets per employee ($millions) | 6.7732% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 6,009 |
| Loan loss allowance to noncurrent loans | 99.7186% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.9197% | 3,022 |
| Noncurrent loans to loans | 1.0731% | 4,553 |
| Net loans and leases to total assets | 62.0174% | 3,252 |
| Net loans and leases to deposits | 74.1998% | 3,093 |
| Net loans and leases to core deposits | 77.7358% | 3,364 |
| Total domestic deposits to total assets | 83.5816% | 4,683 |
| Equity capital to assets | 8.2474% | 6,317 |
| Core capital (leverage) ratio | 8.2860% | 5,894 |
| Tier 1 risk-based capital ratio | 16.1241% | 3,107 |
| Total risk-based capital ratio | 17.3816% | 3,072 |
| Memoranda: | ||
| Average total assets | $262,803,500 | 2,450 |
| Average earning assets | $241,314,000 | 2,438 |
| Average equity | $21,612,000 | 3,022 |
| Average total loans | $166,098,500 | 2,404 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 4,464 |
| Cost of funding earning assets | 1.2215% | 1,889 |
| Net interest margin | 3.4261% | 5,401 |
| Noninterest income to average assets | 0.4075% | 4,557 |
| Noninterest expense to average assets | 2.7155% | 4,688 |
| Loan and lease loss provision to assets | 0.0957% | 5,399 |
| Net operating income to assets | 0.5524% | 4,221 |
| Return on assets (ROA) | 0.5524% | 4,407 |
| Pretax return on assets | 0.7541% | 4,138 |
| Return on Equity (ROE) | 7.0280% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.0280% | 1,490 |
| Net charge-offs to loans | 0.4083% | 3,383 |
| Credit loss provision to net charge-offs | 36.3768% | 5,690 |
| Earnings coverage of net charge-offs (x) | 3.2304% | 3,596 |
| Efficiency ratio | 76.1655% | 2,866 |
| Assets per employee ($millions) | 5.5628% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 6,053 |
| Loan loss allowance to noncurrent loans | 96.9595% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7957% | 3,254 |
| Noncurrent loans to loans | 1.0660% | 4,576 |
| Net loans and leases to total assets | 63.0636% | 3,389 |
| Net loans and leases to deposits | 75.3938% | 3,277 |
| Net loans and leases to core deposits | 79.1088% | 3,565 |
| Total domestic deposits to total assets | 83.6456% | 4,474 |
| Equity capital to assets | 8.1996% | 6,436 |
| Core capital (leverage) ratio | 8.1996% | 5,998 |
| Tier 1 risk-based capital ratio | 15.6490% | 3,238 |
| Total risk-based capital ratio | 16.8987% | 3,197 |
| Memoranda: | ||
| Average total assets | $262,304,400 | 2,410 |
| Average earning assets | $241,761,000 | 2,388 |
| Average equity | $20,617,600 | 3,052 |
| Average total loans | $169,004,200 | 2,381 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 4,453 |
| Cost of funding earning assets | 1.2460% | 2,019 |
| Net interest margin | 3.4562% | 5,370 |
| Noninterest income to average assets | 0.3276% | 5,242 |
| Noninterest expense to average assets | 2.8264% | 4,248 |
| Loan and lease loss provision to assets | 0.0894% | 5,341 |
| Net operating income to assets | 0.4754% | 4,657 |
| Return on assets (ROA) | 0.4754% | 4,850 |
| Pretax return on assets | 0.5998% | 4,816 |
| Return on Equity (ROE) | 6.1138% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.1138% | 2,485 |
| Net charge-offs to loans | 0.5063% | 2,736 |
| Credit loss provision to net charge-offs | 27.3292% | 5,453 |
| Earnings coverage of net charge-offs (x) | 2.1071% | 4,091 |
| Efficiency ratio | 80.3958% | 2,196 |
| Assets per employee ($millions) | 5.8012% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,214 |
| Loan loss allowance to noncurrent loans | 97.6919% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.7311% | 3,501 |
| Noncurrent loans to loans | 1.0356% | 4,823 |
| Net loans and leases to total assets | 63.4547% | 3,423 |
| Net loans and leases to deposits | 75.8632% | 3,348 |
| Net loans and leases to core deposits | 79.3819% | 3,725 |
| Total domestic deposits to total assets | 83.6436% | 4,407 |
| Equity capital to assets | 8.0186% | 6,684 |
| Core capital (leverage) ratio | 8.0186% | 6,379 |
| Tier 1 risk-based capital ratio | 15.2935% | 3,495 |
| Total risk-based capital ratio | 16.5304% | 3,471 |
| Memoranda: | ||
| Average total assets | $262,517,500 | 2,421 |
| Average earning assets | $242,148,250 | 2,385 |
| Average equity | $20,412,500 | 3,087 |
| Average total loans | $169,604,500 | 2,396 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 4,280 |
| Cost of funding earning assets | 1.2655% | 2,148 |
| Net interest margin | 3.4879% | 5,215 |
| Noninterest income to average assets | 0.2821% | 5,632 |
| Noninterest expense to average assets | 2.8722% | 4,136 |
| Loan and lease loss provision to assets | 0.0760% | 5,359 |
| Net operating income to assets | 0.3696% | 5,087 |
| Return on assets (ROA) | 0.3696% | 5,227 |
| Pretax return on assets | 0.5468% | 4,914 |
| Return on Equity (ROE) | 4.8026% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.8026% | 3,122 |
| Net charge-offs to loans | 0.6868% | 2,124 |
| Credit loss provision to net charge-offs | 17.0940% | 5,175 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 4,231 |
| Efficiency ratio | 82.1802% | 2,075 |
| Assets per employee ($millions) | 5.4581% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,369 |
| Loan loss allowance to noncurrent loans | 232.7778% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 4,451 |
| Noncurrent loans to loans | 0.4259% | 6,049 |
| Net loans and leases to total assets | 63.8827% | 3,491 |
| Net loans and leases to deposits | 76.1148% | 3,444 |
| Net loans and leases to core deposits | 79.7022% | 3,828 |
| Total domestic deposits to total assets | 83.9294% | 4,381 |
| Equity capital to assets | 7.8149% | 6,799 |
| Core capital (leverage) ratio | 7.8149% | 6,497 |
| Tier 1 risk-based capital ratio | 14.6254% | 3,711 |
| Total risk-based capital ratio | 15.8227% | 3,717 |
| Memoranda: | ||
| Average total assets | $263,005,330 | 2,431 |
| Average earning assets | $242,269,000 | 2,400 |
| Average equity | $20,239,000 | 3,090 |
| Average total loans | $170,358,000 | 2,409 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 4,371 |
| Cost of funding earning assets | 1.2738% | 2,339 |
| Net interest margin | 3.4562% | 5,195 |
| Noninterest income to average assets | 0.2839% | 5,640 |
| Noninterest expense to average assets | 2.7642% | 4,587 |
| Loan and lease loss provision to assets | 0.1138% | 4,591 |
| Net operating income to assets | 0.3992% | 4,950 |
| Return on assets (ROA) | 0.3992% | 5,042 |
| Pretax return on assets | 0.5935% | 4,708 |
| Return on Equity (ROE) | 5.2282% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.2282% | 3,043 |
| Net charge-offs to loans | 1.3472% | 1,030 |
| Credit loss provision to net charge-offs | 13.0208% | 4,359 |
| Earnings coverage of net charge-offs (x) | 0.8090% | 4,037 |
| Efficiency ratio | 79.6240% | 2,597 |
| Assets per employee ($millions) | 5.8587% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 6,461 |
| Loan loss allowance to noncurrent loans | 287.5433% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 4,640 |
| Noncurrent loans to loans | 0.3410% | 6,311 |
| Net loans and leases to total assets | 63.6659% | 3,508 |
| Net loans and leases to deposits | 76.6085% | 3,318 |
| Net loans and leases to core deposits | 80.0910% | 3,743 |
| Total domestic deposits to total assets | 83.1055% | 4,887 |
| Equity capital to assets | 7.6809% | 6,761 |
| Core capital (leverage) ratio | 7.6809% | 6,574 |
| Tier 1 risk-based capital ratio | 14.4737% | 3,755 |
| Total risk-based capital ratio | 15.6616% | 3,756 |
| Memoranda: | ||
| Average total assets | $263,514,000 | 2,443 |
| Average earning assets | $243,044,500 | 2,420 |
| Average equity | $20,121,500 | 3,093 |
| Average total loans | $171,016,500 | 2,422 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 4,958 |
| Cost of funding earning assets | 1.5726% | 2,229 |
| Net interest margin | 3.3403% | 5,834 |
| Noninterest income to average assets | 0.4615% | 4,433 |
| Noninterest expense to average assets | 2.5912% | 5,457 |
| Loan and lease loss provision to assets | 0.2175% | 5,088 |
| Net operating income to assets | 0.5118% | 4,044 |
| Return on assets (ROA) | 0.5118% | 4,196 |
| Pretax return on assets | 0.7357% | 3,844 |
| Return on Equity (ROE) | 7.0175% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.0175% | 1,311 |
| Net charge-offs to loans | 0.0563% | 6,228 |
| Credit loss provision to net charge-offs | 598.9583% | 364 |
| Earnings coverage of net charge-offs (x) | 26.2500% | 824 |
| Efficiency ratio | 73.1057% | 3,577 |
| Assets per employee ($millions) | 5.7258% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 5,231 |
| Loan loss allowance to noncurrent loans | 109.0176% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1656% | 4,678 |
| Noncurrent loans to loans | 1.1506% | 4,804 |
| Net loans and leases to total assets | 64.6796% | 3,730 |
| Net loans and leases to deposits | 77.6673% | 3,564 |
| Net loans and leases to core deposits | 80.8410% | 4,087 |
| Total domestic deposits to total assets | 83.2778% | 4,686 |
| Equity capital to assets | 7.5908% | 6,825 |
| Core capital (leverage) ratio | 7.5908% | 6,626 |
| Tier 1 risk-based capital ratio | 14.3866% | 3,624 |
| Total risk-based capital ratio | 15.6401% | 3,573 |
| Memoranda: | ||
| Average total assets | $264,357,800 | 2,411 |
| Average earning assets | $243,991,800 | 2,394 |
| Average equity | $19,280,400 | 3,243 |
| Average total loans | $170,462,600 | 2,466 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 5,241 |
| Cost of funding earning assets | 1.6265% | 2,240 |
| Net interest margin | 3.2797% | 6,082 |
| Noninterest income to average assets | 0.4520% | 4,545 |
| Noninterest expense to average assets | 2.5502% | 5,520 |
| Loan and lease loss provision to assets | 0.2519% | 4,571 |
| Net operating income to assets | 0.4822% | 4,394 |
| Return on assets (ROA) | 0.4822% | 4,593 |
| Pretax return on assets | 0.6747% | 4,324 |
| Return on Equity (ROE) | 6.6797% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.6797% | 1,996 |
| Net charge-offs to loans | 0.0024% | 6,645 |
| Credit loss provision to net charge-offs | 16,666.6667% | 16 |
| Earnings coverage of net charge-offs (x) | 612.9850% | 47 |
| Efficiency ratio | 73.3478% | 3,452 |
| Assets per employee ($millions) | 5.7915% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 5,071 |
| Loan loss allowance to noncurrent loans | 132.3226% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 5,077 |
| Noncurrent loans to loans | 0.9658% | 5,304 |
| Net loans and leases to total assets | 63.2686% | 4,263 |
| Net loans and leases to deposits | 76.5283% | 4,082 |
| Net loans and leases to core deposits | 80.0722% | 4,508 |
| Total domestic deposits to total assets | 82.6735% | 4,725 |
| Equity capital to assets | 7.3669% | 7,200 |
| Core capital (leverage) ratio | 7.3669% | 6,967 |
| Tier 1 risk-based capital ratio | 14.0251% | 3,813 |
| Total risk-based capital ratio | 15.2749% | 3,783 |
| Memoranda: | ||
| Average total assets | $264,600,750 | 2,448 |
| Average earning assets | $244,038,250 | 2,428 |
| Average equity | $19,102,250 | 3,303 |
| Average total loans | $169,948,000 | 2,514 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 5,043 |
| Cost of funding earning assets | 1.6861% | 2,190 |
| Net interest margin | 3.2907% | 6,044 |
| Noninterest income to average assets | 0.3826% | 5,065 |
| Noninterest expense to average assets | 2.5727% | 5,446 |
| Loan and lease loss provision to assets | 0.1705% | 5,168 |
| Net operating income to assets | 0.4515% | 4,549 |
| Return on assets (ROA) | 0.4515% | 4,705 |
| Pretax return on assets | 0.6705% | 4,339 |
| Return on Equity (ROE) | 6.2977% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.2977% | 2,169 |
| Net charge-offs to loans | 0.0035% | 6,330 |
| Credit loss provision to net charge-offs | 7,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 370.0000% | 91 |
| Efficiency ratio | 75.3662% | 3,191 |
| Assets per employee ($millions) | 5.6304% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,886 |
| Loan loss allowance to noncurrent loans | 171.3387% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 5,535 |
| Noncurrent loans to loans | 0.6495% | 5,957 |
| Net loans and leases to total assets | 64.0366% | 4,257 |
| Net loans and leases to deposits | 77.4844% | 4,084 |
| Net loans and leases to core deposits | 80.9821% | 4,555 |
| Total domestic deposits to total assets | 82.6444% | 4,721 |
| Equity capital to assets | 7.2717% | 7,239 |
| Core capital (leverage) ratio | 7.2717% | 7,016 |
| Tier 1 risk-based capital ratio | 13.6151% | 3,995 |
| Total risk-based capital ratio | 14.8653% | 3,956 |
| Memoranda: | ||
| Average total assets | $263,998,670 | 2,474 |
| Average earning assets | $243,167,000 | 2,459 |
| Average equity | $18,927,670 | 3,310 |
| Average total loans | $169,686,000 | 2,549 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 5,116 |
| Cost of funding earning assets | 1.7506% | 2,125 |
| Net interest margin | 3.2289% | 6,200 |
| Noninterest income to average assets | 0.3656% | 5,221 |
| Noninterest expense to average assets | 2.4514% | 5,900 |
| Loan and lease loss provision to assets | 0.1138% | 5,478 |
| Net operating income to assets | 0.5143% | 4,322 |
| Return on assets (ROA) | 0.5143% | 4,463 |
| Pretax return on assets | 0.7691% | 3,994 |
| Return on Equity (ROE) | 7.2243% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.2243% | 2,037 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5214% | 3,656 |
| Assets per employee ($millions) | 5.9027% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 6,303 |
| Loan loss allowance to noncurrent loans | 148.8156% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 5,535 |
| Noncurrent loans to loans | 0.6956% | 5,941 |
| Net loans and leases to total assets | 63.3145% | 4,466 |
| Net loans and leases to deposits | 77.0060% | 4,221 |
| Net loans and leases to core deposits | 80.1241% | 4,747 |
| Total domestic deposits to total assets | 82.2203% | 4,970 |
| Equity capital to assets | 7.1297% | 7,316 |
| Core capital (leverage) ratio | 7.1297% | 7,155 |
| Tier 1 risk-based capital ratio | 11.9618% | 5,236 |
| Total risk-based capital ratio | 13.0729% | 5,316 |
| Memoranda: | ||
| Average total assets | $263,683,000 | 2,531 |
| Average earning assets | $242,434,000 | 2,513 |
| Average equity | $18,770,000 | 3,356 |
| Average total loans | $168,845,500 | 2,632 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 5,372 |
| Cost of funding earning assets | 2.3330% | 1,518 |
| Net interest margin | 2.9258% | 6,810 |
| Noninterest income to average assets | 0.4409% | 4,874 |
| Noninterest expense to average assets | 2.6256% | 5,695 |
| Loan and lease loss provision to assets | 0.1144% | 6,502 |
| Net operating income to assets | 0.4123% | 4,080 |
| Return on assets (ROA) | 0.1259% | 5,185 |
| Pretax return on assets | 0.1083% | 5,203 |
| Return on Equity (ROE) | 1.8417% | 4,965 |
| Retained earnings to average equity (ytd only) | 1.8417% | 3,805 |
| Net charge-offs to loans | 0.3559% | 4,446 |
| Credit loss provision to net charge-offs | 49.0998% | 6,757 |
| Earnings coverage of net charge-offs (x) | 2.1849% | 4,087 |
| Efficiency ratio | 83.7571% | 2,381 |
| Assets per employee ($millions) | 5.5690% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,356 |
| Loan loss allowance to noncurrent loans | 401.9093% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 6,099 |
| Noncurrent loans to loans | 0.2498% | 6,796 |
| Net loans and leases to total assets | 63.4477% | 4,713 |
| Net loans and leases to deposits | 77.3177% | 4,501 |
| Net loans and leases to core deposits | 80.0704% | 6,094 |
| Total domestic deposits to total assets | 82.0610% | 4,922 |
| Equity capital to assets | 7.1070% | 7,322 |
| Core capital (leverage) ratio | 7.1070% | 7,149 |
| Tier 1 risk-based capital ratio | 12.1235% | 4,833 |
| Total risk-based capital ratio | 13.2210% | 4,922 |
| Memoranda: | ||
| Average total assets | $262,189,600 | 2,495 |
| Average earning assets | $241,402,800 | 2,489 |
| Average equity | $17,918,400 | 3,516 |
| Average total loans | $171,671,800 | 2,603 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2852% | 5,505 |
| Cost of funding earning assets | 2.4589% | 1,415 |
| Net interest margin | 2.8263% | 7,010 |
| Noninterest income to average assets | 0.4697% | 4,753 |
| Noninterest expense to average assets | 2.6463% | 5,537 |
| Loan and lease loss provision to assets | 0.1144% | 6,223 |
| Net operating income to assets | 0.2469% | 5,004 |
| Return on assets (ROA) | 0.0025% | 5,764 |
| Pretax return on assets | -0.0686% | 5,805 |
| Return on Equity (ROE) | 0.0376% | 5,765 |
| Retained earnings to average equity (ytd only) | 0.0376% | 5,190 |
| Net charge-offs to loans | 0.4718% | 3,339 |
| Credit loss provision to net charge-offs | 36.8249% | 6,455 |
| Earnings coverage of net charge-offs (x) | 1.3764% | 4,750 |
| Efficiency ratio | 86.0923% | 2,056 |
| Assets per employee ($millions) | 5.6789% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 6,499 |
| Loan loss allowance to noncurrent loans | 120.5243% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 5,238 |
| Noncurrent loans to loans | 0.7946% | 5,707 |
| Net loans and leases to total assets | 62.3428% | 5,187 |
| Net loans and leases to deposits | 77.9488% | 4,745 |
| Net loans and leases to core deposits | 97.0681% | 4,698 |
| Total domestic deposits to total assets | 79.9792% | 5,442 |
| Equity capital to assets | 6.7387% | 7,696 |
| Core capital (leverage) ratio | 6.7387% | 7,562 |
| Tier 1 risk-based capital ratio | 11.3415% | 5,600 |
| Total risk-based capital ratio | 12.3561% | 5,800 |
| Memoranda: | ||
| Average total assets | $262,301,250 | 2,509 |
| Average earning assets | $241,673,000 | 2,503 |
| Average equity | $17,747,500 | 3,570 |
| Average total loans | $172,651,250 | 2,625 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3973% | 5,170 |
| Cost of funding earning assets | 2.5627% | 1,393 |
| Net interest margin | 2.8346% | 6,945 |
| Noninterest income to average assets | 0.5116% | 4,343 |
| Noninterest expense to average assets | 2.7519% | 5,173 |
| Loan and lease loss provision to assets | 0.1150% | 5,992 |
| Net operating income to assets | 0.2160% | 5,201 |
| Return on assets (ROA) | -0.1526% | 6,133 |
| Pretax return on assets | -0.3244% | 6,260 |
| Return on Equity (ROE) | -2.2527% | 6,261 |
| Retained earnings to average equity (ytd only) | -2.2527% | 5,801 |
| Net charge-offs to loans | 0.4799% | 2,913 |
| Credit loss provision to net charge-offs | 35.8852% | 5,960 |
| Earnings coverage of net charge-offs (x) | 1.1435% | 4,667 |
| Efficiency ratio | 88.2440% | 1,987 |
| Assets per employee ($millions) | 5.7221% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 7,025 |
| Loan loss allowance to noncurrent loans | 148.5189% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 5,492 |
| Noncurrent loans to loans | 0.5641% | 6,137 |
| Net loans and leases to total assets | 63.9905% | 4,985 |
| Net loans and leases to deposits | 81.3520% | 4,330 |
| Net loans and leases to core deposits | 101.7675% | 4,298 |
| Total domestic deposits to total assets | 78.6588% | 5,910 |
| Equity capital to assets | 6.5914% | 7,793 |
| Core capital (leverage) ratio | 6.5914% | 7,750 |
| Tier 1 risk-based capital ratio | 12.0811% | 4,847 |
| Total risk-based capital ratio | 13.0720% | 4,996 |
| Memoranda: | ||
| Average total assets | $260,765,670 | 2,537 |
| Average earning assets | $239,822,330 | 2,522 |
| Average equity | $17,668,000 | 3,590 |
| Average total loans | $174,199,330 | 2,646 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 4,783 |
| Cost of funding earning assets | 2.6527% | 1,404 |
| Net interest margin | 2.8724% | 6,828 |
| Noninterest income to average assets | 0.6000% | 3,550 |
| Noninterest expense to average assets | 2.3843% | 6,251 |
| Loan and lease loss provision to assets | 0.0390% | 6,475 |
| Net operating income to assets | 0.5408% | 4,255 |
| Return on assets (ROA) | 0.5408% | 4,440 |
| Pretax return on assets | 0.8041% | 4,066 |
| Return on Equity (ROE) | 7.8691% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.8691% | 1,871 |
| Net charge-offs to loans | 0.3232% | 2,801 |
| Credit loss provision to net charge-offs | 17.7305% | 5,098 |
| Earnings coverage of net charge-offs (x) | 3.8369% | 3,047 |
| Efficiency ratio | 73.8774% | 3,849 |
| Assets per employee ($millions) | 5.7179% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 6,633 |
| Loan loss allowance to noncurrent loans | 110.6061% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 4,903 |
| Noncurrent loans to loans | 0.8363% | 5,349 |
| Net loans and leases to total assets | 65.3981% | 4,726 |
| Net loans and leases to deposits | 83.6504% | 4,035 |
| Net loans and leases to core deposits | 106.0461% | 3,903 |
| Total domestic deposits to total assets | 78.1802% | 5,947 |
| Equity capital to assets | 6.7678% | 7,779 |
| Core capital (leverage) ratio | 6.9944% | 7,639 |
| Tier 1 risk-based capital ratio | 12.6714% | 4,415 |
| Total risk-based capital ratio | 13.7729% | 4,450 |
| Memoranda: | ||
| Average total assets | $256,678,500 | 2,575 |
| Average earning assets | $234,783,500 | 2,590 |
| Average equity | $17,638,500 | 3,616 |
| Average total loans | $174,524,000 | 2,662 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8846% | 6,117 |
| Cost of funding earning assets | 3.1029% | 1,495 |
| Net interest margin | 2.7817% | 7,360 |
| Noninterest income to average assets | 0.3821% | 5,624 |
| Noninterest expense to average assets | 2.4147% | 6,342 |
| Loan and lease loss provision to assets | 0.0202% | 7,135 |
| Net operating income to assets | 0.3627% | 5,300 |
| Return on assets (ROA) | 0.3627% | 5,103 |
| Pretax return on assets | 0.5045% | 4,963 |
| Return on Equity (ROE) | 5.1992% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.1992% | 1,911 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1492% | 2,284 |
| Assets per employee ($millions) | 5.6894% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,189 |
| Loan loss allowance to noncurrent loans | 72.7733% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9463% | 4,457 |
| Noncurrent loans to loans | 1.3504% | 3,820 |
| Net loans and leases to total assets | 69.3897% | 4,171 |
| Net loans and leases to deposits | 90.5327% | 3,358 |
| Net loans and leases to core deposits | 112.9303% | 3,453 |
| Total domestic deposits to total assets | 76.6460% | 6,083 |
| Equity capital to assets | 6.9811% | 7,749 |
| Core capital (leverage) ratio | 7.2106% | 7,515 |
| Tier 1 risk-based capital ratio | 12.4496% | 4,474 |
| Total risk-based capital ratio | 13.6336% | 4,417 |
| Memoranda: | ||
| Average total assets | $247,571,800 | 2,582 |
| Average earning assets | $227,594,200 | 2,571 |
| Average equity | $17,271,800 | 3,691 |
| Average total loans | $179,374,800 | 2,507 |