Home > Security Bank of California > Performance and Condition Ratios
Security Bank of California, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 3,455 |
| Cost of funding earning assets | 0.2861% | 4,406 |
| Net interest margin | 3.6774% | 2,844 |
| Noninterest income to average assets | 0.4995% | 3,332 |
| Noninterest expense to average assets | 2.5807% | 3,989 |
| Loan and lease loss provision to assets | 0.1054% | 2,220 |
| Net operating income to assets | 0.7835% | 3,404 |
| Return on assets (ROA) | 0.7938% | 3,444 |
| Pretax return on assets | 1.3657% | 2,048 |
| Return on Equity (ROE) | 8.6231% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.6231% | 751 |
| Net charge-offs to loans | -0.0007% | 4,825 |
| Credit loss provision to net charge-offs | -23,433.3333% | 5,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8201% | 4,310 |
| Assets per employee ($millions) | 8.3067% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 1,629 |
| Loan loss allowance to noncurrent loans | 370.0401% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 4,454 |
| Noncurrent loans to loans | 0.4310% | 3,917 |
| Net loans and leases to total assets | 64.5423% | 3,194 |
| Net loans and leases to deposits | 72.3590% | 3,679 |
| Net loans and leases to core deposits | 80.4088% | 3,301 |
| Total domestic deposits to total assets | 89.1973% | 1,024 |
| Equity capital to assets | 8.9951% | 5,128 |
| Core capital (leverage) ratio | 8.6566% | 5,267 |
| Tier 1 risk-based capital ratio | 11.7770% | 5,090 |
| Total risk-based capital ratio | 13.0288% | 5,005 |
| Memoranda: | ||
| Average total assets | $667,068,600 | 1,030 |
| Average earning assets | $641,467,200 | 990 |
| Average equity | $61,404,800 | 1,228 |
| Average total loans | $454,259,800 | 1,016 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 3,626 |
| Cost of funding earning assets | 0.2790% | 4,570 |
| Net interest margin | 3.6523% | 2,950 |
| Noninterest income to average assets | 0.5327% | 3,150 |
| Noninterest expense to average assets | 2.5781% | 3,952 |
| Loan and lease loss provision to assets | 0.1428% | 1,545 |
| Net operating income to assets | 0.7761% | 3,551 |
| Return on assets (ROA) | 0.7895% | 3,568 |
| Pretax return on assets | 1.3503% | 2,209 |
| Return on Equity (ROE) | 8.5239% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.5239% | 1,051 |
| Net charge-offs to loans | 0.0118% | 3,758 |
| Credit loss provision to net charge-offs | 1,760.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 181.4568% | 396 |
| Efficiency ratio | 63.5917% | 4,318 |
| Assets per employee ($millions) | 7.6380% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,965 |
| Loan loss allowance to noncurrent loans | 421.5844% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 4,800 |
| Noncurrent loans to loans | 0.3677% | 4,295 |
| Net loans and leases to total assets | 64.2776% | 3,265 |
| Net loans and leases to deposits | 71.0797% | 3,867 |
| Net loans and leases to core deposits | 79.0364% | 3,506 |
| Total domestic deposits to total assets | 90.4304% | 410 |
| Equity capital to assets | 8.7456% | 5,541 |
| Core capital (leverage) ratio | 8.9014% | 5,116 |
| Tier 1 risk-based capital ratio | 11.4499% | 5,403 |
| Total risk-based capital ratio | 12.7015% | 5,321 |
| Memoranda: | ||
| Average total assets | $657,317,750 | 1,050 |
| Average earning assets | $633,091,500 | 1,010 |
| Average equity | $60,878,000 | 1,252 |
| Average total loans | $452,049,500 | 1,024 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 3,589 |
| Cost of funding earning assets | 0.2699% | 4,719 |
| Net interest margin | 3.6568% | 2,886 |
| Noninterest income to average assets | 0.5333% | 3,150 |
| Noninterest expense to average assets | 2.6192% | 3,855 |
| Loan and lease loss provision to assets | 0.1976% | 1,001 |
| Net operating income to assets | 0.7229% | 3,773 |
| Return on assets (ROA) | 0.7416% | 3,782 |
| Pretax return on assets | 1.2692% | 2,473 |
| Return on Equity (ROE) | 7.8410% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.8410% | 1,326 |
| Net charge-offs to loans | 0.0454% | 2,790 |
| Credit loss provision to net charge-offs | 620.7921% | 535 |
| Earnings coverage of net charge-offs (x) | 45.1584% | 1,031 |
| Efficiency ratio | 64.5016% | 4,273 |
| Assets per employee ($millions) | 6.8533% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 2,082 |
| Loan loss allowance to noncurrent loans | 349.9757% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 4,625 |
| Noncurrent loans to loans | 0.4431% | 4,151 |
| Net loans and leases to total assets | 69.5368% | 2,397 |
| Net loans and leases to deposits | 79.0862% | 2,898 |
| Net loans and leases to core deposits | 88.6074% | 2,499 |
| Total domestic deposits to total assets | 87.9254% | 1,690 |
| Equity capital to assets | 9.2255% | 4,987 |
| Core capital (leverage) ratio | 9.5479% | 4,214 |
| Tier 1 risk-based capital ratio | 11.7906% | 5,286 |
| Total risk-based capital ratio | 13.0425% | 5,194 |
| Memoranda: | ||
| Average total assets | $634,553,670 | 1,089 |
| Average earning assets | $611,405,330 | 1,041 |
| Average equity | $60,017,670 | 1,281 |
| Average total loans | $444,816,330 | 1,039 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8490% | 3,831 |
| Cost of funding earning assets | 0.2657% | 4,843 |
| Net interest margin | 3.5833% | 3,067 |
| Noninterest income to average assets | 0.4187% | 3,853 |
| Noninterest expense to average assets | 2.6330% | 3,814 |
| Loan and lease loss provision to assets | 0.2524% | 649 |
| Net operating income to assets | 0.5694% | 4,407 |
| Return on assets (ROA) | 0.5793% | 4,469 |
| Pretax return on assets | 0.9954% | 3,528 |
| Return on Equity (ROE) | 6.0457% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.0457% | 2,472 |
| Net charge-offs to loans | 0.1233% | 1,527 |
| Credit loss provision to net charge-offs | 293.2836% | 827 |
| Earnings coverage of net charge-offs (x) | 14.3209% | 1,677 |
| Efficiency ratio | 68.0512% | 3,813 |
| Assets per employee ($millions) | 6.6120% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 2,290 |
| Loan loss allowance to noncurrent loans | 352.5915% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 4,744 |
| Noncurrent loans to loans | 0.4360% | 4,291 |
| Net loans and leases to total assets | 70.0256% | 2,138 |
| Net loans and leases to deposits | 79.0259% | 2,679 |
| Net loans and leases to core deposits | 89.0229% | 2,220 |
| Total domestic deposits to total assets | 88.6109% | 1,494 |
| Equity capital to assets | 9.5293% | 4,712 |
| Core capital (leverage) ratio | 9.8160% | 3,865 |
| Tier 1 risk-based capital ratio | 12.3283% | 5,026 |
| Total risk-based capital ratio | 13.5808% | 4,936 |
| Memoranda: | ||
| Average total assets | $622,872,500 | 1,113 |
| Average earning assets | $599,115,000 | 1,063 |
| Average equity | $59,678,500 | 1,290 |
| Average total loans | $434,874,500 | 1,058 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 3,481 |
| Cost of funding earning assets | 0.2723% | 5,069 |
| Net interest margin | 3.7879% | 2,668 |
| Noninterest income to average assets | 0.5103% | 3,431 |
| Noninterest expense to average assets | 2.7342% | 3,735 |
| Loan and lease loss provision to assets | 0.1807% | 1,421 |
| Net operating income to assets | 0.7014% | 3,884 |
| Return on assets (ROA) | 0.7110% | 3,942 |
| Pretax return on assets | 1.2178% | 2,580 |
| Return on Equity (ROE) | 7.6046% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.6046% | 1,159 |
| Net charge-offs to loans | 0.0296% | 4,232 |
| Credit loss provision to net charge-offs | 908.6207% | 298 |
| Earnings coverage of net charge-offs (x) | 69.5862% | 711 |
| Efficiency ratio | 66.3295% | 4,196 |
| Assets per employee ($millions) | 6.5699% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 2,105 |
| Loan loss allowance to noncurrent loans | 337.0333% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 4,746 |
| Noncurrent loans to loans | 0.4738% | 4,240 |
| Net loans and leases to total assets | 67.3725% | 2,672 |
| Net loans and leases to deposits | 77.5099% | 3,027 |
| Net loans and leases to core deposits | 86.1549% | 2,671 |
| Total domestic deposits to total assets | 86.9212% | 2,325 |
| Equity capital to assets | 9.6351% | 4,546 |
| Core capital (leverage) ratio | 9.9572% | 3,637 |
| Tier 1 risk-based capital ratio | 12.3228% | 5,139 |
| Total risk-based capital ratio | 13.5750% | 5,054 |
| Memoranda: | ||
| Average total assets | $583,420,600 | 1,133 |
| Average earning assets | $555,637,600 | 1,093 |
| Average equity | $54,545,800 | 1,336 |
| Average total loans | $392,330,400 | 1,123 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,614 |
| Cost of funding earning assets | 0.2696% | 5,204 |
| Net interest margin | 3.7656% | 2,755 |
| Noninterest income to average assets | 0.5282% | 3,332 |
| Noninterest expense to average assets | 2.7530% | 3,630 |
| Loan and lease loss provision to assets | 0.2091% | 1,110 |
| Net operating income to assets | 0.6629% | 4,140 |
| Return on assets (ROA) | 0.6709% | 4,191 |
| Pretax return on assets | 1.1575% | 2,959 |
| Return on Equity (ROE) | 7.2345% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.2345% | 1,699 |
| Net charge-offs to loans | 0.0663% | 3,252 |
| Credit loss provision to net charge-offs | 470.8333% | 606 |
| Earnings coverage of net charge-offs (x) | 30.4952% | 1,354 |
| Efficiency ratio | 66.9576% | 4,054 |
| Assets per employee ($millions) | 6.8083% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 2,359 |
| Loan loss allowance to noncurrent loans | 311.1861% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 4,882 |
| Noncurrent loans to loans | 0.5089% | 4,402 |
| Net loans and leases to total assets | 66.9480% | 2,692 |
| Net loans and leases to deposits | 77.2920% | 3,028 |
| Net loans and leases to core deposits | 86.3245% | 2,631 |
| Total domestic deposits to total assets | 86.6169% | 2,516 |
| Equity capital to assets | 9.3770% | 4,948 |
| Core capital (leverage) ratio | 10.0235% | 3,648 |
| Tier 1 risk-based capital ratio | 12.5413% | 5,145 |
| Total risk-based capital ratio | 13.7935% | 5,078 |
| Memoranda: | ||
| Average total assets | $576,526,500 | 1,152 |
| Average earning assets | $547,928,000 | 1,110 |
| Average equity | $53,464,750 | 1,371 |
| Average total loans | $385,832,000 | 1,151 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,571 |
| Cost of funding earning assets | 0.2650% | 5,332 |
| Net interest margin | 3.7793% | 2,640 |
| Noninterest income to average assets | 0.5712% | 2,984 |
| Noninterest expense to average assets | 2.7874% | 3,551 |
| Loan and lease loss provision to assets | 0.2527% | 860 |
| Net operating income to assets | 0.6465% | 4,119 |
| Return on assets (ROA) | 0.6580% | 4,155 |
| Pretax return on assets | 1.1276% | 2,985 |
| Return on Equity (ROE) | 7.1233% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.1233% | 1,703 |
| Net charge-offs to loans | 0.1590% | 2,120 |
| Credit loss provision to net charge-offs | 238.8704% | 1,024 |
| Earnings coverage of net charge-offs (x) | 12.8771% | 2,025 |
| Efficiency ratio | 67.1015% | 4,181 |
| Assets per employee ($millions) | 6.6326% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 2,513 |
| Loan loss allowance to noncurrent loans | 279.6187% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 4,888 |
| Noncurrent loans to loans | 0.5677% | 4,315 |
| Net loans and leases to total assets | 65.4317% | 2,844 |
| Net loans and leases to deposits | 81.2853% | 2,349 |
| Net loans and leases to core deposits | 88.8696% | 2,225 |
| Total domestic deposits to total assets | 80.4963% | 5,131 |
| Equity capital to assets | 9.3824% | 4,860 |
| Core capital (leverage) ratio | 10.1005% | 3,473 |
| Tier 1 risk-based capital ratio | 12.7933% | 5,042 |
| Total risk-based capital ratio | 14.0454% | 4,980 |
| Memoranda: | ||
| Average total assets | $568,992,670 | 1,163 |
| Average earning assets | $538,771,670 | 1,123 |
| Average equity | $52,559,670 | 1,383 |
| Average total loans | $378,590,000 | 1,165 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,631 |
| Cost of funding earning assets | 0.2627% | 5,465 |
| Net interest margin | 3.7506% | 2,674 |
| Noninterest income to average assets | 0.5989% | 2,741 |
| Noninterest expense to average assets | 2.7447% | 3,780 |
| Loan and lease loss provision to assets | 0.1916% | 1,237 |
| Net operating income to assets | 0.7072% | 3,651 |
| Return on assets (ROA) | 0.7072% | 3,727 |
| Pretax return on assets | 1.2107% | 2,445 |
| Return on Equity (ROE) | 7.7188% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.7188% | 1,715 |
| Net charge-offs to loans | -0.0567% | 5,859 |
| Credit loss provision to net charge-offs | -507.5472% | 5,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1171% | 4,510 |
| Assets per employee ($millions) | 6.6676% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 2,840 |
| Loan loss allowance to noncurrent loans | 245.1091% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 4,846 |
| Noncurrent loans to loans | 0.6401% | 4,262 |
| Net loans and leases to total assets | 66.3477% | 2,506 |
| Net loans and leases to deposits | 81.7184% | 2,075 |
| Net loans and leases to core deposits | 89.4864% | 1,957 |
| Total domestic deposits to total assets | 81.1906% | 5,184 |
| Equity capital to assets | 9.1967% | 4,875 |
| Core capital (leverage) ratio | 10.2065% | 3,283 |
| Tier 1 risk-based capital ratio | 12.5510% | 5,282 |
| Total risk-based capital ratio | 13.8030% | 5,221 |
| Memoranda: | ||
| Average total assets | $561,656,500 | 1,189 |
| Average earning assets | $531,331,500 | 1,154 |
| Average equity | $51,458,500 | 1,407 |
| Average total loans | $373,854,000 | 1,181 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 4,097 |
| Cost of funding earning assets | 0.2848% | 5,716 |
| Net interest margin | 3.7094% | 3,014 |
| Noninterest income to average assets | 0.6108% | 3,023 |
| Noninterest expense to average assets | 2.8225% | 3,642 |
| Loan and lease loss provision to assets | 0.2126% | 1,731 |
| Net operating income to assets | 0.6406% | 4,071 |
| Return on assets (ROA) | 0.6734% | 4,024 |
| Pretax return on assets | 1.1231% | 2,871 |
| Return on Equity (ROE) | 6.6676% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.6676% | 1,590 |
| Net charge-offs to loans | 0.3330% | 2,010 |
| Credit loss provision to net charge-offs | 98.4531% | 2,523 |
| Earnings coverage of net charge-offs (x) | 5.9472% | 3,167 |
| Efficiency ratio | 68.6444% | 4,075 |
| Assets per employee ($millions) | 6.4694% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 2,793 |
| Loan loss allowance to noncurrent loans | 229.1301% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 4,875 |
| Noncurrent loans to loans | 0.6938% | 4,242 |
| Net loans and leases to total assets | 64.6401% | 2,934 |
| Net loans and leases to deposits | 78.9189% | 2,597 |
| Net loans and leases to core deposits | 86.9649% | 2,354 |
| Total domestic deposits to total assets | 81.9070% | 4,906 |
| Equity capital to assets | 9.1256% | 4,898 |
| Core capital (leverage) ratio | 10.2838% | 3,173 |
| Tier 1 risk-based capital ratio | 13.1438% | 4,892 |
| Total risk-based capital ratio | 14.3959% | 4,831 |
| Memoranda: | ||
| Average total assets | $508,875,200 | 1,306 |
| Average earning assets | $479,622,600 | 1,270 |
| Average equity | $51,397,800 | 1,383 |
| Average total loans | $330,014,600 | 1,290 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 4,215 |
| Cost of funding earning assets | 0.2886% | 5,821 |
| Net interest margin | 3.6899% | 3,065 |
| Noninterest income to average assets | 0.6316% | 2,981 |
| Noninterest expense to average assets | 2.8077% | 3,635 |
| Loan and lease loss provision to assets | 0.1738% | 2,090 |
| Net operating income to assets | 0.6538% | 4,100 |
| Return on assets (ROA) | 0.6808% | 4,098 |
| Pretax return on assets | 1.1664% | 2,825 |
| Return on Equity (ROE) | 6.5657% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.5657% | 2,096 |
| Net charge-offs to loans | 0.3484% | 1,808 |
| Credit loss provision to net charge-offs | 77.1971% | 2,914 |
| Earnings coverage of net charge-offs (x) | 5.7648% | 3,109 |
| Efficiency ratio | 68.3014% | 4,038 |
| Assets per employee ($millions) | 6.4653% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 2,670 |
| Loan loss allowance to noncurrent loans | 666.7066% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 5,973 |
| Noncurrent loans to loans | 0.2530% | 5,593 |
| Net loans and leases to total assets | 60.4660% | 3,627 |
| Net loans and leases to deposits | 72.5898% | 3,446 |
| Net loans and leases to core deposits | 81.1329% | 2,983 |
| Total domestic deposits to total assets | 83.2982% | 4,464 |
| Equity capital to assets | 9.3371% | 4,758 |
| Core capital (leverage) ratio | 10.5295% | 2,974 |
| Tier 1 risk-based capital ratio | 13.6217% | 4,674 |
| Total risk-based capital ratio | 14.8743% | 4,633 |
| Memoranda: | ||
| Average total assets | $498,618,500 | 1,342 |
| Average earning assets | $469,451,000 | 1,303 |
| Average equity | $51,701,750 | 1,382 |
| Average total loans | $322,218,500 | 1,324 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 4,208 |
| Cost of funding earning assets | 0.2941% | 5,874 |
| Net interest margin | 3.6806% | 3,032 |
| Noninterest income to average assets | 0.6404% | 2,964 |
| Noninterest expense to average assets | 2.8110% | 3,635 |
| Loan and lease loss provision to assets | 0.1235% | 2,776 |
| Net operating income to assets | 0.6856% | 3,874 |
| Return on assets (ROA) | 0.7272% | 3,850 |
| Pretax return on assets | 1.2421% | 2,504 |
| Return on Equity (ROE) | 6.7657% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.7657% | 1,996 |
| Net charge-offs to loans | 0.0732% | 3,666 |
| Credit loss provision to net charge-offs | 256.4103% | 977 |
| Earnings coverage of net charge-offs (x) | 27.0085% | 1,227 |
| Efficiency ratio | 68.2783% | 4,131 |
| Assets per employee ($millions) | 6.1268% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8628% | 2,219 |
| Loan loss allowance to noncurrent loans | 245.9437% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 5,032 |
| Noncurrent loans to loans | 0.7574% | 4,406 |
| Net loans and leases to total assets | 63.8685% | 2,933 |
| Net loans and leases to deposits | 75.0011% | 3,012 |
| Net loans and leases to core deposits | 83.5020% | 2,627 |
| Total domestic deposits to total assets | 85.1567% | 3,821 |
| Equity capital to assets | 10.4772% | 3,334 |
| Core capital (leverage) ratio | 11.0270% | 2,329 |
| Tier 1 risk-based capital ratio | 13.9039% | 4,488 |
| Total risk-based capital ratio | 15.1581% | 4,454 |
| Memoranda: | ||
| Average total assets | $485,950,000 | 1,371 |
| Average earning assets | $458,291,670 | 1,325 |
| Average equity | $52,234,000 | 1,373 |
| Average total loans | $319,610,670 | 1,331 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 4,211 |
| Cost of funding earning assets | 0.3011% | 5,960 |
| Net interest margin | 3.6760% | 2,966 |
| Noninterest income to average assets | 0.6680% | 2,773 |
| Noninterest expense to average assets | 2.7463% | 3,894 |
| Loan and lease loss provision to assets | 0.2480% | 1,456 |
| Net operating income to assets | 0.6569% | 3,920 |
| Return on assets (ROA) | 0.7209% | 3,722 |
| Pretax return on assets | 1.2359% | 2,445 |
| Return on Equity (ROE) | 6.6218% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.6218% | 2,353 |
| Net charge-offs to loans | 0.0750% | 3,096 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 27.9000% | 1,003 |
| Efficiency ratio | 66.4131% | 4,590 |
| Assets per employee ($millions) | 6.6911% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 2,439 |
| Loan loss allowance to noncurrent loans | 305.4481% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 5,386 |
| Noncurrent loans to loans | 0.6064% | 4,928 |
| Net loans and leases to total assets | 65.0846% | 2,531 |
| Net loans and leases to deposits | 76.1046% | 2,624 |
| Net loans and leases to core deposits | 85.5869% | 2,151 |
| Total domestic deposits to total assets | 85.5200% | 3,785 |
| Equity capital to assets | 10.8139% | 3,183 |
| Core capital (leverage) ratio | 11.0156% | 2,252 |
| Tier 1 risk-based capital ratio | 13.7789% | 4,668 |
| Total risk-based capital ratio | 15.0336% | 4,627 |
| Memoranda: | ||
| Average total assets | $483,855,000 | 1,386 |
| Average earning assets | $455,711,500 | 1,349 |
| Average equity | $52,674,500 | 1,379 |
| Average total loans | $319,922,500 | 1,326 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 5,047 |
| Cost of funding earning assets | 0.3177% | 6,371 |
| Net interest margin | 3.7547% | 3,420 |
| Noninterest income to average assets | 0.5158% | 3,803 |
| Noninterest expense to average assets | 2.5018% | 5,084 |
| Loan and lease loss provision to assets | 0.9432% | 455 |
| Net operating income to assets | 0.3369% | 5,343 |
| Return on assets (ROA) | 0.3897% | 5,378 |
| Pretax return on assets | 0.6747% | 4,747 |
| Return on Equity (ROE) | 3.4892% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.4892% | 3,762 |
| Net charge-offs to loans | 1.4017% | 653 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.6278% | 4,634 |
| Efficiency ratio | 61.8825% | 5,253 |
| Assets per employee ($millions) | 6.6564% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,518 |
| Loan loss allowance to noncurrent loans | 276.6090% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 5,404 |
| Noncurrent loans to loans | 0.6590% | 4,884 |
| Net loans and leases to total assets | 64.7208% | 2,768 |
| Net loans and leases to deposits | 72.8569% | 3,275 |
| Net loans and leases to core deposits | 83.4810% | 2,607 |
| Total domestic deposits to total assets | 88.8329% | 1,685 |
| Equity capital to assets | 10.9604% | 3,000 |
| Core capital (leverage) ratio | 10.6262% | 2,627 |
| Tier 1 risk-based capital ratio | 13.8631% | 4,484 |
| Total risk-based capital ratio | 15.1175% | 4,439 |
| Memoranda: | ||
| Average total assets | $455,785,800 | 1,439 |
| Average earning assets | $427,459,400 | 1,415 |
| Average equity | $50,899,400 | 1,394 |
| Average total loans | $306,701,200 | 1,368 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 5,213 |
| Cost of funding earning assets | 0.3190% | 6,520 |
| Net interest margin | 3.7745% | 3,444 |
| Noninterest income to average assets | 0.4902% | 3,983 |
| Noninterest expense to average assets | 2.6621% | 4,522 |
| Loan and lease loss provision to assets | 1.2740% | 277 |
| Net operating income to assets | 0.0435% | 6,216 |
| Return on assets (ROA) | 0.1055% | 6,264 |
| Pretax return on assets | 0.1926% | 6,137 |
| Return on Equity (ROE) | 0.9400% | 6,261 |
| Retained earnings to average equity (ytd only) | 0.9400% | 5,794 |
| Net charge-offs to loans | 1.8533% | 416 |
| Credit loss provision to net charge-offs | 101.6072% | 2,901 |
| Earnings coverage of net charge-offs (x) | 1.0924% | 4,757 |
| Efficiency ratio | 65.9390% | 4,459 |
| Assets per employee ($millions) | 7.4617% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 2,452 |
| Loan loss allowance to noncurrent loans | 115.9634% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 4,223 |
| Noncurrent loans to loans | 1.6432% | 3,330 |
| Net loans and leases to total assets | 61.8371% | 3,412 |
| Net loans and leases to deposits | 69.3835% | 3,980 |
| Net loans and leases to core deposits | 81.2718% | 3,050 |
| Total domestic deposits to total assets | 89.1236% | 1,360 |
| Equity capital to assets | 10.5948% | 3,738 |
| Core capital (leverage) ratio | 10.6706% | 2,734 |
| Tier 1 risk-based capital ratio | 14.0710% | 4,479 |
| Total risk-based capital ratio | 15.3264% | 4,432 |
| Memoranda: | ||
| Average total assets | $449,916,500 | 1,479 |
| Average earning assets | $422,154,000 | 1,442 |
| Average equity | $50,492,000 | 1,415 |
| Average total loans | $304,391,000 | 1,391 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 5,005 |
| Cost of funding earning assets | 0.3240% | 6,626 |
| Net interest margin | 3.8610% | 3,088 |
| Noninterest income to average assets | 0.5559% | 3,549 |
| Noninterest expense to average assets | 2.7676% | 4,145 |
| Loan and lease loss provision to assets | 1.1268% | 374 |
| Net operating income to assets | 0.1445% | 6,059 |
| Return on assets (ROA) | 0.1944% | 6,117 |
| Pretax return on assets | 0.3455% | 5,839 |
| Return on Equity (ROE) | 1.6974% | 6,131 |
| Retained earnings to average equity (ytd only) | 1.6974% | 5,345 |
| Net charge-offs to loans | 1.7155% | 526 |
| Credit loss provision to net charge-offs | 94.7066% | 2,914 |
| Earnings coverage of net charge-offs (x) | 1.1718% | 4,427 |
| Efficiency ratio | 66.4218% | 4,451 |
| Assets per employee ($millions) | 7.5993% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8554% | 2,690 |
| Loan loss allowance to noncurrent loans | 161.6624% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 4,884 |
| Noncurrent loans to loans | 1.1477% | 4,235 |
| Net loans and leases to total assets | 65.2115% | 2,811 |
| Net loans and leases to deposits | 73.6800% | 3,347 |
| Net loans and leases to core deposits | 86.7179% | 2,333 |
| Total domestic deposits to total assets | 88.5063% | 1,809 |
| Equity capital to assets | 11.1961% | 2,898 |
| Core capital (leverage) ratio | 11.1718% | 2,146 |
| Tier 1 risk-based capital ratio | 14.7027% | 3,964 |
| Total risk-based capital ratio | 15.9584% | 3,918 |
| Memoranda: | ||
| Average total assets | $438,217,670 | 1,520 |
| Average earning assets | $409,272,670 | 1,489 |
| Average equity | $50,194,000 | 1,413 |
| Average total loans | $303,940,000 | 1,389 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 4,836 |
| Cost of funding earning assets | 0.3235% | 6,762 |
| Net interest margin | 3.9494% | 2,721 |
| Noninterest income to average assets | 0.3671% | 4,934 |
| Noninterest expense to average assets | 2.8592% | 3,785 |
| Loan and lease loss provision to assets | 2.3002% | 114 |
| Net operating income to assets | -0.7062% | 6,917 |
| Return on assets (ROA) | -0.7062% | 6,937 |
| Pretax return on assets | -1.1757% | 7,017 |
| Return on Equity (ROE) | -6.0925% | 6,892 |
| Retained earnings to average equity (ytd only) | -6.0925% | 6,668 |
| Net charge-offs to loans | 2.8762% | 260 |
| Credit loss provision to net charge-offs | 112.7912% | 2,091 |
| Earnings coverage of net charge-offs (x) | 0.5514% | 4,062 |
| Efficiency ratio | 71.7025% | 3,495 |
| Assets per employee ($millions) | 7.4446% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 2,445 |
| Loan loss allowance to noncurrent loans | 75.0559% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.8013% | 3,171 |
| Noncurrent loans to loans | 2.6260% | 2,478 |
| Net loans and leases to total assets | 67.2437% | 2,241 |
| Net loans and leases to deposits | 75.8476% | 2,818 |
| Net loans and leases to core deposits | 88.1983% | 2,028 |
| Total domestic deposits to total assets | 88.6562% | 1,911 |
| Equity capital to assets | 11.0456% | 2,851 |
| Core capital (leverage) ratio | 11.5709% | 1,854 |
| Tier 1 risk-based capital ratio | 14.2368% | 4,288 |
| Total risk-based capital ratio | 15.4937% | 4,257 |
| Memoranda: | ||
| Average total assets | $429,349,000 | 1,554 |
| Average earning assets | $393,172,000 | 1,547 |
| Average equity | $49,766,500 | 1,416 |
| Average total loans | $304,432,000 | 1,389 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 4,581 |
| Cost of funding earning assets | 0.3839% | 6,932 |
| Net interest margin | 4.2376% | 1,934 |
| Noninterest income to average assets | 0.7148% | 2,522 |
| Noninterest expense to average assets | 2.9600% | 3,741 |
| Loan and lease loss provision to assets | 0.5931% | 1,746 |
| Net operating income to assets | 0.5873% | 4,068 |
| Return on assets (ROA) | 0.6408% | 3,976 |
| Pretax return on assets | 1.1545% | 2,632 |
| Return on Equity (ROE) | 4.9177% | 4,431 |
| Retained earnings to average equity (ytd only) | 4.9177% | 2,701 |
| Net charge-offs to loans | 0.7080% | 2,389 |
| Credit loss provision to net charge-offs | 107.1186% | 3,161 |
| Earnings coverage of net charge-offs (x) | 3.0053% | 3,704 |
| Efficiency ratio | 64.0148% | 5,125 |
| Assets per employee ($millions) | 7.1038% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9040% | 2,554 |
| Loan loss allowance to noncurrent loans | 52.4690% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.6639% | 2,287 |
| Noncurrent loans to loans | 3.6289% | 1,751 |
| Net loans and leases to total assets | 72.0119% | 1,642 |
| Net loans and leases to deposits | 82.5090% | 2,131 |
| Net loans and leases to core deposits | 95.0417% | 1,583 |
| Total domestic deposits to total assets | 87.2776% | 2,589 |
| Equity capital to assets | 12.1826% | 1,983 |
| Core capital (leverage) ratio | 12.2439% | 1,463 |
| Tier 1 risk-based capital ratio | 14.8187% | 3,746 |
| Total risk-based capital ratio | 16.0751% | 3,724 |
| Memoranda: | ||
| Average total assets | $372,968,800 | 1,745 |
| Average earning assets | $344,062,400 | 1,735 |
| Average equity | $48,600,000 | 1,404 |
| Average total loans | $291,655,000 | 1,464 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 4,637 |
| Cost of funding earning assets | 0.3986% | 7,022 |
| Net interest margin | 4.2614% | 1,863 |
| Noninterest income to average assets | 0.7107% | 2,538 |
| Noninterest expense to average assets | 2.9856% | 3,601 |
| Loan and lease loss provision to assets | 0.4669% | 2,116 |
| Net operating income to assets | 0.6659% | 3,792 |
| Return on assets (ROA) | 0.7162% | 3,699 |
| Pretax return on assets | 1.2848% | 2,341 |
| Return on Equity (ROE) | 5.3967% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.3967% | 2,913 |
| Net charge-offs to loans | 0.4873% | 2,793 |
| Credit loss provision to net charge-offs | 120.4545% | 2,696 |
| Earnings coverage of net charge-offs (x) | 4.3163% | 3,104 |
| Efficiency ratio | 64.0848% | 5,050 |
| Assets per employee ($millions) | 7.2284% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 2,459 |
| Loan loss allowance to noncurrent loans | 73.3174% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.9994% | 3,141 |
| Noncurrent loans to loans | 2.6674% | 2,614 |
| Net loans and leases to total assets | 73.4928% | 1,412 |
| Net loans and leases to deposits | 84.3172% | 1,948 |
| Net loans and leases to core deposits | 99.6440% | 1,280 |
| Total domestic deposits to total assets | 87.1623% | 2,546 |
| Equity capital to assets | 12.5311% | 1,905 |
| Core capital (leverage) ratio | 12.9016% | 1,262 |
| Tier 1 risk-based capital ratio | 15.3112% | 3,485 |
| Total risk-based capital ratio | 16.5688% | 3,450 |
| Memoranda: | ||
| Average total assets | $363,205,750 | 1,798 |
| Average earning assets | $336,498,750 | 1,775 |
| Average equity | $48,201,250 | 1,421 |
| Average total loans | $288,953,000 | 1,487 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 4,337 |
| Cost of funding earning assets | 0.4174% | 7,090 |
| Net interest margin | 4.3254% | 1,579 |
| Noninterest income to average assets | 0.6283% | 2,959 |
| Noninterest expense to average assets | 3.0902% | 3,290 |
| Loan and lease loss provision to assets | 0.3298% | 2,803 |
| Net operating income to assets | 0.6713% | 3,682 |
| Return on assets (ROA) | 0.6994% | 3,661 |
| Pretax return on assets | 1.2588% | 2,273 |
| Return on Equity (ROE) | 5.1613% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.1613% | 2,905 |
| Net charge-offs to loans | 0.4644% | 2,720 |
| Credit loss provision to net charge-offs | 87.3494% | 3,535 |
| Earnings coverage of net charge-offs (x) | 4.0919% | 2,967 |
| Efficiency ratio | 66.6708% | 4,751 |
| Assets per employee ($millions) | 6.4172% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8921% | 2,692 |
| Loan loss allowance to noncurrent loans | 101.9174% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 3,936 |
| Noncurrent loans to loans | 1.8565% | 3,673 |
| Net loans and leases to total assets | 79.7600% | 550 |
| Net loans and leases to deposits | 93.0888% | 941 |
| Net loans and leases to core deposits | 110.7442% | 699 |
| Total domestic deposits to total assets | 85.6816% | 3,503 |
| Equity capital to assets | 13.5568% | 1,261 |
| Core capital (leverage) ratio | 13.4390% | 1,013 |
| Tier 1 risk-based capital ratio | 15.2649% | 3,366 |
| Total risk-based capital ratio | 16.5215% | 3,321 |
| Memoranda: | ||
| Average total assets | $351,753,000 | 1,865 |
| Average earning assets | $325,839,000 | 1,829 |
| Average equity | $47,662,000 | 1,416 |
| Average total loans | $285,934,330 | 1,521 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 4,773 |
| Cost of funding earning assets | 0.4186% | 7,186 |
| Net interest margin | 4.2241% | 1,822 |
| Noninterest income to average assets | 0.6449% | 2,876 |
| Noninterest expense to average assets | 3.2005% | 2,896 |
| Loan and lease loss provision to assets | 0.1265% | 4,416 |
| Net operating income to assets | 0.6875% | 3,568 |
| Return on assets (ROA) | 0.6875% | 3,637 |
| Pretax return on assets | 1.2393% | 2,232 |
| Return on Equity (ROE) | 5.0749% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.0749% | 3,141 |
| Net charge-offs to loans | 0.7340% | 1,749 |
| Credit loss provision to net charge-offs | 21.1946% | 4,242 |
| Earnings coverage of net charge-offs (x) | 2.2890% | 3,167 |
| Efficiency ratio | 70.0906% | 4,251 |
| Assets per employee ($millions) | 6.2700% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8245% | 2,935 |
| Loan loss allowance to noncurrent loans | 114.7805% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2684% | 4,418 |
| Noncurrent loans to loans | 1.5896% | 4,101 |
| Net loans and leases to total assets | 78.3368% | 693 |
| Net loans and leases to deposits | 92.6080% | 972 |
| Net loans and leases to core deposits | 109.8836% | 733 |
| Total domestic deposits to total assets | 84.5896% | 4,232 |
| Equity capital to assets | 13.2872% | 1,265 |
| Core capital (leverage) ratio | 14.0198% | 845 |
| Tier 1 risk-based capital ratio | 15.4444% | 3,179 |
| Total risk-based capital ratio | 16.7001% | 3,133 |
| Memoranda: | ||
| Average total assets | $347,948,500 | 1,893 |
| Average earning assets | $323,000,500 | 1,860 |
| Average equity | $47,134,000 | 1,420 |
| Average total loans | $282,824,000 | 1,550 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 6,348 |
| Cost of funding earning assets | 0.5325% | 7,251 |
| Net interest margin | 3.9860% | 3,078 |
| Noninterest income to average assets | 0.6090% | 3,414 |
| Noninterest expense to average assets | 3.2702% | 2,832 |
| Loan and lease loss provision to assets | 0.4517% | 3,414 |
| Net operating income to assets | 0.3423% | 4,781 |
| Return on assets (ROA) | 0.3714% | 4,819 |
| Pretax return on assets | 0.7069% | 3,952 |
| Return on Equity (ROE) | 2.8858% | 5,001 |
| Retained earnings to average equity (ytd only) | 2.8858% | 3,833 |
| Net charge-offs to loans | 0.5753% | 3,323 |
| Credit loss provision to net charge-offs | 94.4444% | 4,918 |
| Earnings coverage of net charge-offs (x) | 2.3275% | 3,981 |
| Efficiency ratio | 74.6035% | 3,275 |
| Assets per employee ($millions) | 5.9387% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 2,301 |
| Loan loss allowance to noncurrent loans | 96.4427% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7190% | 3,726 |
| Noncurrent loans to loans | 2.0747% | 3,458 |
| Net loans and leases to total assets | 81.1993% | 519 |
| Net loans and leases to deposits | 94.6723% | 993 |
| Net loans and leases to core deposits | 112.3498% | 794 |
| Total domestic deposits to total assets | 85.7687% | 3,466 |
| Equity capital to assets | 13.8198% | 1,095 |
| Core capital (leverage) ratio | 13.8015% | 896 |
| Tier 1 risk-based capital ratio | 15.3572% | 3,068 |
| Total risk-based capital ratio | 16.6153% | 3,022 |
| Memoranda: | ||
| Average total assets | $323,649,400 | 2,004 |
| Average earning assets | $306,475,200 | 1,945 |
| Average equity | $41,652,600 | 1,591 |
| Average total loans | $269,072,400 | 1,656 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 6,562 |
| Cost of funding earning assets | 0.5521% | 7,377 |
| Net interest margin | 3.9667% | 3,251 |
| Noninterest income to average assets | 0.5172% | 4,047 |
| Noninterest expense to average assets | 3.4481% | 2,162 |
| Loan and lease loss provision to assets | 0.0208% | 6,849 |
| Net operating income to assets | 0.4359% | 4,602 |
| Return on assets (ROA) | 0.4359% | 4,782 |
| Pretax return on assets | 0.8176% | 3,836 |
| Return on Equity (ROE) | 3.4546% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.4546% | 4,019 |
| Net charge-offs to loans | 0.2249% | 4,587 |
| Credit loss provision to net charge-offs | 11.1359% | 6,329 |
| Earnings coverage of net charge-offs (x) | 4.4811% | 3,032 |
| Efficiency ratio | 80.4394% | 2,284 |
| Assets per employee ($millions) | 5.7938% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 2,209 |
| Loan loss allowance to noncurrent loans | 97.4798% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.6177% | 4,021 |
| Noncurrent loans to loans | 2.0555% | 3,613 |
| Net loans and leases to total assets | 77.1212% | 1,198 |
| Net loans and leases to deposits | 88.3070% | 1,973 |
| Net loans and leases to core deposits | 104.0018% | 1,486 |
| Total domestic deposits to total assets | 87.3331% | 2,350 |
| Equity capital to assets | 12.2551% | 2,006 |
| Core capital (leverage) ratio | 12.6938% | 1,335 |
| Tier 1 risk-based capital ratio | 13.8865% | 3,924 |
| Total risk-based capital ratio | 15.1438% | 3,890 |
| Memoranda: | ||
| Average total assets | $319,934,750 | 2,065 |
| Average earning assets | $304,024,250 | 1,982 |
| Average equity | $40,370,500 | 1,651 |
| Average total loans | $266,221,000 | 1,682 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 6,568 |
| Cost of funding earning assets | 0.5750% | 7,445 |
| Net interest margin | 3.9821% | 3,103 |
| Noninterest income to average assets | 0.4546% | 4,475 |
| Noninterest expense to average assets | 3.5001% | 2,032 |
| Loan and lease loss provision to assets | -0.0108% | 7,741 |
| Net operating income to assets | 0.3917% | 4,789 |
| Return on assets (ROA) | 0.3917% | 4,947 |
| Pretax return on assets | 0.7432% | 4,090 |
| Return on Equity (ROE) | 3.0723% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.0723% | 4,146 |
| Net charge-offs to loans | 0.0157% | 6,123 |
| Credit loss provision to net charge-offs | -80.9524% | 6,660 |
| Earnings coverage of net charge-offs (x) | 54.8571% | 552 |
| Efficiency ratio | 82.6949% | 2,078 |
| Assets per employee ($millions) | 5.5359% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1187% | 1,929 |
| Loan loss allowance to noncurrent loans | 88.2582% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.9973% | 3,503 |
| Noncurrent loans to loans | 2.4006% | 3,255 |
| Net loans and leases to total assets | 81.4391% | 605 |
| Net loans and leases to deposits | 94.7146% | 1,188 |
| Net loans and leases to core deposits | 112.8067% | 987 |
| Total domestic deposits to total assets | 85.9837% | 3,103 |
| Equity capital to assets | 12.6472% | 1,713 |
| Core capital (leverage) ratio | 12.9282% | 1,234 |
| Tier 1 risk-based capital ratio | 13.5727% | 4,022 |
| Total risk-based capital ratio | 14.8314% | 3,980 |
| Memoranda: | ||
| Average total assets | $314,566,330 | 2,115 |
| Average earning assets | $298,434,000 | 2,036 |
| Average equity | $40,100,000 | 1,658 |
| Average total loans | $266,809,000 | 1,705 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 6,897 |
| Cost of funding earning assets | 0.5981% | 7,545 |
| Net interest margin | 3.8529% | 3,550 |
| Noninterest income to average assets | 0.3662% | 5,217 |
| Noninterest expense to average assets | 3.5271% | 1,916 |
| Loan and lease loss provision to assets | -0.0116% | 7,838 |
| Net operating income to assets | 0.2596% | 5,455 |
| Return on assets (ROA) | 0.2596% | 5,582 |
| Pretax return on assets | 0.5178% | 4,901 |
| Return on Equity (ROE) | 2.0278% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.0278% | 4,914 |
| Net charge-offs to loans | 0.0630% | 4,786 |
| Credit loss provision to net charge-offs | -21.4286% | 5,972 |
| Earnings coverage of net charge-offs (x) | 9.3810% | 1,863 |
| Efficiency ratio | 87.4482% | 1,644 |
| Assets per employee ($millions) | 5.4014% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1576% | 1,838 |
| Loan loss allowance to noncurrent loans | 130.2653% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 1.4080% | 4,399 |
| Noncurrent loans to loans | 1.6563% | 4,267 |
| Net loans and leases to total assets | 83.1763% | 458 |
| Net loans and leases to deposits | 97.0471% | 995 |
| Net loans and leases to core deposits | 116.9407% | 910 |
| Total domestic deposits to total assets | 85.7072% | 3,309 |
| Equity capital to assets | 12.9975% | 1,527 |
| Core capital (leverage) ratio | 13.0684% | 1,191 |
| Tier 1 risk-based capital ratio | 13.6990% | 3,866 |
| Total risk-based capital ratio | 14.9583% | 3,812 |
| Memoranda: | ||
| Average total assets | $311,308,000 | 2,188 |
| Average earning assets | $296,294,500 | 2,106 |
| Average equity | $39,846,000 | 1,685 |
| Average total loans | $266,640,000 | 1,764 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 7,457 |
| Cost of funding earning assets | 0.7606% | 7,610 |
| Net interest margin | 3.6653% | 4,282 |
| Noninterest income to average assets | 0.4953% | 4,453 |
| Noninterest expense to average assets | 3.3979% | 2,689 |
| Loan and lease loss provision to assets | 1.8356% | 1,227 |
| Net operating income to assets | -0.7949% | 6,432 |
| Return on assets (ROA) | -0.7721% | 6,412 |
| Pretax return on assets | -1.2248% | 6,554 |
| Return on Equity (ROE) | -5.4086% | 6,251 |
| Retained earnings to average equity (ytd only) | -5.4086% | 6,074 |
| Net charge-offs to loans | 0.8485% | 2,705 |
| Credit loss provision to net charge-offs | 254.3608% | 1,385 |
| Earnings coverage of net charge-offs (x) | 0.7968% | 5,309 |
| Efficiency ratio | 85.5266% | 2,169 |
| Assets per employee ($millions) | 5.3345% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0983% | 1,828 |
| Loan loss allowance to noncurrent loans | 130.2698% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 1.3897% | 4,334 |
| Noncurrent loans to loans | 1.6108% | 4,241 |
| Net loans and leases to total assets | 84.4682% | 396 |
| Net loans and leases to deposits | 97.9078% | 1,113 |
| Net loans and leases to core deposits | 133.7677% | 1,068 |
| Total domestic deposits to total assets | 86.2732% | 2,878 |
| Equity capital to assets | 12.6059% | 1,694 |
| Core capital (leverage) ratio | 13.1432% | 1,204 |
| Tier 1 risk-based capital ratio | 13.2050% | 4,010 |
| Total risk-based capital ratio | 14.4636% | 3,951 |
| Memoranda: | ||
| Average total assets | $279,642,800 | 2,353 |
| Average earning assets | $265,324,800 | 2,280 |
| Average equity | $39,918,000 | 1,676 |
| Average total loans | $237,823,000 | 1,972 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4212% | 7,589 |
| Cost of funding earning assets | 0.7860% | 7,714 |
| Net interest margin | 3.6352% | 4,350 |
| Noninterest income to average assets | 0.4952% | 4,523 |
| Noninterest expense to average assets | 3.4510% | 2,414 |
| Loan and lease loss provision to assets | 0.6335% | 2,859 |
| Net operating income to assets | -0.1610% | 6,000 |
| Return on assets (ROA) | -0.1117% | 5,936 |
| Pretax return on assets | -0.0960% | 5,839 |
| Return on Equity (ROE) | -0.7571% | 5,892 |
| Retained earnings to average equity (ytd only) | -0.7571% | 5,423 |
| Net charge-offs to loans | 0.1767% | 4,987 |
| Credit loss provision to net charge-offs | 423.3553% | 939 |
| Earnings coverage of net charge-offs (x) | 3.2632% | 3,606 |
| Efficiency ratio | 87.6046% | 1,909 |
| Assets per employee ($millions) | 5.3172% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 4,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 82.1691% | 780 |
| Net loans and leases to deposits | 96.2782% | 1,538 |
| Net loans and leases to core deposits | 130.0709% | 1,434 |
| Total domestic deposits to total assets | 85.3456% | 3,053 |
| Equity capital to assets | 13.4848% | 1,506 |
| Core capital (leverage) ratio | 14.3763% | 990 |
| Tier 1 risk-based capital ratio | 14.4478% | 3,306 |
| Total risk-based capital ratio | 15.6982% | 3,250 |
| Memoranda: | ||
| Average total assets | $270,870,000 | 2,418 |
| Average earning assets | $256,635,500 | 2,371 |
| Average equity | $39,978,750 | 1,698 |
| Average total loans | $229,391,750 | 2,060 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 7,679 |
| Cost of funding earning assets | 0.8287% | 7,784 |
| Net interest margin | 3.6113% | 4,319 |
| Noninterest income to average assets | 0.5016% | 4,429 |
| Noninterest expense to average assets | 3.6345% | 1,983 |
| Loan and lease loss provision to assets | 0.7462% | 2,198 |
| Net operating income to assets | -0.3383% | 6,372 |
| Return on assets (ROA) | -0.2810% | 6,322 |
| Pretax return on assets | -0.3809% | 6,304 |
| Return on Equity (ROE) | -1.8406% | 6,201 |
| Retained earnings to average equity (ytd only) | -1.8406% | 5,701 |
| Net charge-offs to loans | 0.2153% | 4,160 |
| Credit loss provision to net charge-offs | 406.7511% | 1,139 |
| Earnings coverage of net charge-offs (x) | 1.5696% | 4,363 |
| Efficiency ratio | 92.6584% | 1,594 |
| Assets per employee ($millions) | 5.0657% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 83.1750% | 763 |
| Net loans and leases to deposits | 101.7819% | 1,093 |
| Net loans and leases to core deposits | 138.8176% | 1,062 |
| Total domestic deposits to total assets | 81.7189% | 4,811 |
| Equity capital to assets | 14.8337% | 1,073 |
| Core capital (leverage) ratio | 15.2256% | 873 |
| Tier 1 risk-based capital ratio | 15.0841% | 2,986 |
| Total risk-based capital ratio | 16.3345% | 2,918 |
| Memoranda: | ||
| Average total assets | $258,360,670 | 2,556 |
| Average earning assets | $244,730,670 | 2,481 |
| Average equity | $39,442,670 | 1,723 |
| Average total loans | $220,197,670 | 2,155 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 7,860 |
| Cost of funding earning assets | 0.8951% | 7,821 |
| Net interest margin | 3.3847% | 5,192 |
| Noninterest income to average assets | 0.4673% | 4,615 |
| Noninterest expense to average assets | 4.0333% | 1,147 |
| Loan and lease loss provision to assets | 1.0829% | 1,206 |
| Net operating income to assets | -0.8879% | 7,181 |
| Return on assets (ROA) | -0.7847% | 7,151 |
| Pretax return on assets | -1.2827% | 7,291 |
| Return on Equity (ROE) | -5.0598% | 6,982 |
| Retained earnings to average equity (ytd only) | -5.0598% | 6,556 |
| Net charge-offs to loans | 0.4455% | 2,334 |
| Credit loss provision to net charge-offs | 283.5443% | 1,701 |
| Earnings coverage of net charge-offs (x) | -0.9451% | 5,348 |
| Efficiency ratio | 109.8289% | 816 |
| Assets per employee ($millions) | 5.1522% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 3,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 83.5281% | 762 |
| Net loans and leases to deposits | 105.4133% | 912 |
| Net loans and leases to core deposits | 141.8481% | 1,018 |
| Total domestic deposits to total assets | 79.2386% | 5,630 |
| Equity capital to assets | 15.9816% | 876 |
| Core capital (leverage) ratio | 16.6150% | 700 |
| Tier 1 risk-based capital ratio | 16.2718% | 2,587 |
| Total risk-based capital ratio | 17.5224% | 2,534 |
| Memoranda: | ||
| Average total assets | $248,233,500 | 2,668 |
| Average earning assets | $235,055,000 | 2,586 |
| Average equity | $38,499,500 | 1,762 |
| Average total loans | $212,772,500 | 2,244 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4157% | 7,443 |
| Cost of funding earning assets | 1.3063% | 7,845 |
| Net interest margin | 4.1094% | 2,670 |
| Noninterest income to average assets | 0.5762% | 4,037 |
| Noninterest expense to average assets | 3.8055% | 1,742 |
| Loan and lease loss provision to assets | 0.4822% | 2,889 |
| Net operating income to assets | 0.2828% | 5,602 |
| Return on assets (ROA) | 0.2828% | 5,410 |
| Pretax return on assets | 0.1726% | 5,786 |
| Return on Equity (ROE) | 1.7256% | 5,700 |
| Retained earnings to average equity (ytd only) | 1.7256% | 4,181 |
| Net charge-offs to loans | 0.1634% | 4,564 |
| Credit loss provision to net charge-offs | 358.0756% | 1,244 |
| Earnings coverage of net charge-offs (x) | 4.8625% | 3,830 |
| Efficiency ratio | 85.3185% | 1,918 |
| Assets per employee ($millions) | 5.0821% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.7280% | 634 |
| Net loans and leases to deposits | 110.9306% | 773 |
| Net loans and leases to core deposits | 148.7595% | 899 |
| Total domestic deposits to total assets | 77.2807% | 5,923 |
| Equity capital to assets | 15.0001% | 1,161 |
| Core capital (leverage) ratio | 15.4484% | 931 |
| Tier 1 risk-based capital ratio | 15.2277% | 2,944 |
| Total risk-based capital ratio | 16.3959% | 2,906 |
| Memoranda: | ||
| Average total assets | $216,079,400 | 2,926 |
| Average earning assets | $204,239,800 | 2,851 |
| Average equity | $35,407,600 | 1,907 |
| Average total loans | $178,084,200 | 2,524 |