Home > Shore Bank > Performance and Condition Ratios
Shore 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 | 4.1452% | 2,771 |
| Cost of funding earning assets | 0.5046% | 2,171 |
| Net interest margin | 3.6407% | 2,992 |
| Noninterest income to average assets | 0.5339% | 3,142 |
| Noninterest expense to average assets | 3.4720% | 1,339 |
| Loan and lease loss provision to assets | 0.0264% | 3,741 |
| Net operating income to assets | 0.4085% | 5,134 |
| Return on assets (ROA) | 0.4024% | 5,241 |
| Pretax return on assets | 0.4172% | 5,434 |
| Return on Equity (ROE) | 4.0358% | 5,022 |
| Retained earnings to average equity (ytd only) | 4.0358% | 3,593 |
| Net charge-offs to loans | 0.0782% | 2,432 |
| Credit loss provision to net charge-offs | 42.8571% | 3,126 |
| Earnings coverage of net charge-offs (x) | 7.3142% | 2,927 |
| Efficiency ratio | 84.5327% | 1,119 |
| Assets per employee ($millions) | 5.3403% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 5,231 |
| Loan loss allowance to noncurrent loans | 117.5460% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 2,017 |
| Noncurrent loans to loans | 0.7582% | 3,064 |
| Net loans and leases to total assets | 81.9827% | 578 |
| Net loans and leases to deposits | 94.7598% | 1,112 |
| Net loans and leases to core deposits | 97.6012% | 1,734 |
| Total domestic deposits to total assets | 86.5164% | 2,275 |
| Equity capital to assets | 9.9040% | 4,281 |
| Core capital (leverage) ratio | 9.9628% | 3,686 |
| Tier 1 risk-based capital ratio | 12.0229% | 5,073 |
| Total risk-based capital ratio | 12.9277% | 5,205 |
| Memoranda: | ||
| Average total assets | $379,368,000 | 1,741 |
| Average earning assets | $353,039,750 | 1,722 |
| Average equity | $37,827,250 | 1,906 |
| Average total loans | $298,241,750 | 1,486 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 2,884 |
| Cost of funding earning assets | 0.5289% | 1,991 |
| Net interest margin | 3.5753% | 3,184 |
| Noninterest income to average assets | 0.5576% | 2,991 |
| Noninterest expense to average assets | 3.4325% | 1,409 |
| Loan and lease loss provision to assets | 0.0399% | 3,316 |
| Net operating income to assets | 0.4005% | 5,132 |
| Return on assets (ROA) | 0.3911% | 5,272 |
| Pretax return on assets | 0.3991% | 5,470 |
| Return on Equity (ROE) | 3.9131% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.9131% | 3,513 |
| Net charge-offs to loans | 0.0848% | 2,195 |
| Credit loss provision to net charge-offs | 60.9756% | 2,580 |
| Earnings coverage of net charge-offs (x) | 6.8537% | 2,733 |
| Efficiency ratio | 84.3707% | 1,222 |
| Assets per employee ($millions) | 5.5001% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 5,042 |
| Loan loss allowance to noncurrent loans | 107.7320% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 2,063 |
| Noncurrent loans to loans | 0.8939% | 2,895 |
| Net loans and leases to total assets | 75.9855% | 1,369 |
| Net loans and leases to deposits | 88.0379% | 1,833 |
| Net loans and leases to core deposits | 90.6377% | 2,281 |
| Total domestic deposits to total assets | 86.3099% | 2,522 |
| Equity capital to assets | 9.5715% | 4,569 |
| Core capital (leverage) ratio | 9.6845% | 4,022 |
| Tier 1 risk-based capital ratio | 12.2161% | 4,990 |
| Total risk-based capital ratio | 13.1637% | 5,110 |
| Memoranda: | ||
| Average total assets | $375,876,330 | 1,767 |
| Average earning assets | $349,395,330 | 1,754 |
| Average equity | $37,566,330 | 1,926 |
| Average total loans | $290,163,000 | 1,518 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 2,864 |
| Cost of funding earning assets | 0.5394% | 1,930 |
| Net interest margin | 3.5535% | 3,215 |
| Noninterest income to average assets | 0.7567% | 1,877 |
| Noninterest expense to average assets | 3.8271% | 847 |
| Loan and lease loss provision to assets | 0.0820% | 2,332 |
| Net operating income to assets | 0.1441% | 5,803 |
| Return on assets (ROA) | 0.1257% | 5,897 |
| Pretax return on assets | 0.1345% | 5,918 |
| Return on Equity (ROE) | 1.2300% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.2300% | 4,995 |
| Net charge-offs to loans | 0.0113% | 2,964 |
| Credit loss provision to net charge-offs | 937.5000% | 353 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,223 |
| Efficiency ratio | 90.1776% | 839 |
| Assets per employee ($millions) | 5.6135% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 4,744 |
| Loan loss allowance to noncurrent loans | 85.1582% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.3870% | 1,912 |
| Noncurrent loans to loans | 1.2369% | 2,308 |
| Net loans and leases to total assets | 72.6968% | 1,700 |
| Net loans and leases to deposits | 84.2901% | 2,031 |
| Net loans and leases to core deposits | 89.3439% | 2,192 |
| Total domestic deposits to total assets | 86.2460% | 2,799 |
| Equity capital to assets | 9.5624% | 4,679 |
| Core capital (leverage) ratio | 9.9898% | 3,614 |
| Tier 1 risk-based capital ratio | 13.1580% | 4,524 |
| Total risk-based capital ratio | 14.2383% | 4,528 |
| Memoranda: | ||
| Average total assets | $365,809,500 | 1,818 |
| Average earning assets | $340,398,000 | 1,805 |
| Average equity | $37,397,500 | 1,945 |
| Average total loans | $283,326,500 | 1,548 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 1,954 |
| Cost of funding earning assets | 0.5279% | 2,407 |
| Net interest margin | 3.9522% | 2,040 |
| Noninterest income to average assets | 0.9620% | 1,313 |
| Noninterest expense to average assets | 3.8146% | 970 |
| Loan and lease loss provision to assets | 0.1205% | 2,166 |
| Net operating income to assets | 0.6493% | 4,149 |
| Return on assets (ROA) | 0.6586% | 4,197 |
| Pretax return on assets | 0.6562% | 4,769 |
| Return on Equity (ROE) | 6.1001% | 4,094 |
| Retained earnings to average equity (ytd only) | 6.1001% | 1,857 |
| Net charge-offs to loans | 0.1574% | 2,461 |
| Credit loss provision to net charge-offs | 98.0392% | 2,469 |
| Earnings coverage of net charge-offs (x) | 6.2426% | 3,240 |
| Efficiency ratio | 79.3464% | 2,019 |
| Assets per employee ($millions) | 4.4562% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 4,692 |
| Loan loss allowance to noncurrent loans | 95.4429% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.4849% | 1,846 |
| Noncurrent loans to loans | 1.1211% | 2,596 |
| Net loans and leases to total assets | 81.1930% | 612 |
| Net loans and leases to deposits | 97.8200% | 777 |
| Net loans and leases to core deposits | 101.0811% | 1,314 |
| Total domestic deposits to total assets | 83.0024% | 4,075 |
| Equity capital to assets | 10.9900% | 2,903 |
| Core capital (leverage) ratio | 10.6987% | 2,722 |
| Tier 1 risk-based capital ratio | 13.6740% | 4,311 |
| Total risk-based capital ratio | 14.7924% | 4,322 |
| Memoranda: | ||
| Average total assets | $331,911,600 | 1,955 |
| Average earning assets | $304,008,200 | 1,976 |
| Average equity | $35,835,600 | 1,956 |
| Average total loans | $259,267,000 | 1,637 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,076 |
| Cost of funding earning assets | 0.5298% | 2,467 |
| Net interest margin | 3.9124% | 2,189 |
| Noninterest income to average assets | 0.9553% | 1,349 |
| Noninterest expense to average assets | 3.7219% | 1,088 |
| Loan and lease loss provision to assets | 0.1211% | 2,059 |
| Net operating income to assets | 0.6900% | 3,996 |
| Return on assets (ROA) | 0.7017% | 4,031 |
| Pretax return on assets | 0.6993% | 4,702 |
| Return on Equity (ROE) | 6.5295% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.5295% | 2,083 |
| Net charge-offs to loans | 0.2189% | 1,728 |
| Credit loss provision to net charge-offs | 71.7703% | 2,740 |
| Earnings coverage of net charge-offs (x) | 4.7919% | 3,380 |
| Efficiency ratio | 78.1749% | 2,158 |
| Assets per employee ($millions) | 4.4853% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 4,876 |
| Loan loss allowance to noncurrent loans | 77.6994% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.6189% | 1,873 |
| Noncurrent loans to loans | 1.3775% | 2,350 |
| Net loans and leases to total assets | 78.6923% | 867 |
| Net loans and leases to deposits | 93.9883% | 1,045 |
| Net loans and leases to core deposits | 97.0947% | 1,584 |
| Total domestic deposits to total assets | 83.7256% | 3,868 |
| Equity capital to assets | 10.8829% | 3,082 |
| Core capital (leverage) ratio | 10.6794% | 2,837 |
| Tier 1 risk-based capital ratio | 13.9048% | 4,286 |
| Total risk-based capital ratio | 15.0182% | 4,311 |
| Memoranda: | ||
| Average total assets | $330,221,500 | 1,976 |
| Average earning assets | $301,768,000 | 2,005 |
| Average equity | $35,489,500 | 1,981 |
| Average total loans | $254,595,750 | 1,671 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 2,109 |
| Cost of funding earning assets | 0.5326% | 2,516 |
| Net interest margin | 3.8879% | 2,221 |
| Noninterest income to average assets | 0.9733% | 1,275 |
| Noninterest expense to average assets | 3.5525% | 1,384 |
| Loan and lease loss provision to assets | 0.1828% | 1,338 |
| Net operating income to assets | 0.7686% | 3,468 |
| Return on assets (ROA) | 0.7734% | 3,553 |
| Pretax return on assets | 0.7886% | 4,321 |
| Return on Equity (ROE) | 7.2275% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.2275% | 1,649 |
| Net charge-offs to loans | 0.6233% | 629 |
| Credit loss provision to net charge-offs | 38.4615% | 2,944 |
| Earnings coverage of net charge-offs (x) | 2.0333% | 3,664 |
| Efficiency ratio | 74.6055% | 2,870 |
| Assets per employee ($millions) | 4.7852% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 5,334 |
| Loan loss allowance to noncurrent loans | 45.2114% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 2.2406% | 1,342 |
| Noncurrent loans to loans | 2.2187% | 1,475 |
| Net loans and leases to total assets | 74.7868% | 1,336 |
| Net loans and leases to deposits | 92.4741% | 1,100 |
| Net loans and leases to core deposits | 96.3340% | 1,574 |
| Total domestic deposits to total assets | 80.8732% | 5,022 |
| Equity capital to assets | 11.0190% | 2,856 |
| Core capital (leverage) ratio | 10.7595% | 2,661 |
| Tier 1 risk-based capital ratio | 14.5134% | 3,925 |
| Total risk-based capital ratio | 15.5466% | 4,002 |
| Memoranda: | ||
| Average total assets | $328,162,330 | 1,987 |
| Average earning assets | $299,290,000 | 2,013 |
| Average equity | $35,116,000 | 1,989 |
| Average total loans | $250,266,330 | 1,696 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 1,974 |
| Cost of funding earning assets | 0.5282% | 2,626 |
| Net interest margin | 3.9162% | 2,033 |
| Noninterest income to average assets | 0.7556% | 1,937 |
| Noninterest expense to average assets | 3.6362% | 1,240 |
| Loan and lease loss provision to assets | 0.3668% | 469 |
| Net operating income to assets | 0.3154% | 5,438 |
| Return on assets (ROA) | 0.3154% | 5,488 |
| Pretax return on assets | 0.3240% | 5,667 |
| Return on Equity (ROE) | 2.9928% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.9928% | 4,317 |
| Net charge-offs to loans | 0.0558% | 2,602 |
| Credit loss provision to net charge-offs | 857.1429% | 351 |
| Earnings coverage of net charge-offs (x) | 16.1429% | 1,516 |
| Efficiency ratio | 79.8248% | 2,236 |
| Assets per employee ($millions) | 5.7275% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,067 |
| Loan loss allowance to noncurrent loans | 66.6872% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.2281% | 1,485 |
| Noncurrent loans to loans | 1.9660% | 1,905 |
| Net loans and leases to total assets | 74.8650% | 1,139 |
| Net loans and leases to deposits | 92.1065% | 943 |
| Net loans and leases to core deposits | 96.0675% | 1,378 |
| Total domestic deposits to total assets | 81.2809% | 5,155 |
| Equity capital to assets | 10.6666% | 3,075 |
| Core capital (leverage) ratio | 10.4248% | 3,019 |
| Tier 1 risk-based capital ratio | 14.3968% | 4,068 |
| Total risk-based capital ratio | 15.6485% | 4,027 |
| Memoranda: | ||
| Average total assets | $327,155,500 | 1,997 |
| Average earning assets | $298,347,500 | 2,020 |
| Average equity | $34,483,000 | 2,011 |
| Average total loans | $250,684,500 | 1,691 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,860 |
| Cost of funding earning assets | 0.5904% | 2,753 |
| Net interest margin | 4.0155% | 1,904 |
| Noninterest income to average assets | 0.4377% | 4,175 |
| Noninterest expense to average assets | 3.5152% | 1,616 |
| Loan and lease loss provision to assets | 0.2323% | 1,551 |
| Net operating income to assets | 0.3285% | 5,419 |
| Return on assets (ROA) | 0.3457% | 5,463 |
| Pretax return on assets | 0.3565% | 5,591 |
| Return on Equity (ROE) | 3.2714% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.2714% | 3,904 |
| Net charge-offs to loans | 0.0954% | 3,890 |
| Credit loss provision to net charge-offs | 319.1489% | 725 |
| Earnings coverage of net charge-offs (x) | 7.8468% | 2,772 |
| Efficiency ratio | 81.8995% | 1,890 |
| Assets per employee ($millions) | 5.5566% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 4,780 |
| Loan loss allowance to noncurrent loans | 64.5594% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2465% | 1,582 |
| Noncurrent loans to loans | 1.8206% | 2,211 |
| Net loans and leases to total assets | 76.4786% | 1,005 |
| Net loans and leases to deposits | 95.3792% | 780 |
| Net loans and leases to core deposits | 99.6499% | 1,183 |
| Total domestic deposits to total assets | 80.1837% | 5,403 |
| Equity capital to assets | 10.4145% | 3,271 |
| Core capital (leverage) ratio | 9.9936% | 3,589 |
| Tier 1 risk-based capital ratio | 13.8025% | 4,435 |
| Total risk-based capital ratio | 15.0281% | 4,401 |
| Memoranda: | ||
| Average total assets | $322,858,400 | 1,988 |
| Average earning assets | $293,361,000 | 2,021 |
| Average equity | $34,114,000 | 2,013 |
| Average total loans | $246,290,400 | 1,684 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 1,902 |
| Cost of funding earning assets | 0.5927% | 2,873 |
| Net interest margin | 4.0069% | 1,920 |
| Noninterest income to average assets | 0.3943% | 4,570 |
| Noninterest expense to average assets | 3.5238% | 1,557 |
| Loan and lease loss provision to assets | 0.2073% | 1,750 |
| Net operating income to assets | 0.2934% | 5,639 |
| Return on assets (ROA) | 0.3163% | 5,672 |
| Pretax return on assets | 0.3246% | 5,809 |
| Return on Equity (ROE) | 2.9827% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.9827% | 4,541 |
| Net charge-offs to loans | 0.0229% | 4,674 |
| Credit loss provision to net charge-offs | 1,190.4762% | 265 |
| Earnings coverage of net charge-offs (x) | 29.1898% | 1,261 |
| Efficiency ratio | 83.3231% | 1,672 |
| Assets per employee ($millions) | 5.5688% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,007 |
| Loan loss allowance to noncurrent loans | 58.3367% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.4552% | 1,574 |
| Noncurrent loans to loans | 2.0089% | 2,240 |
| Net loans and leases to total assets | 72.6151% | 1,514 |
| Net loans and leases to deposits | 89.7269% | 1,200 |
| Net loans and leases to core deposits | 93.1118% | 1,655 |
| Total domestic deposits to total assets | 80.9290% | 5,232 |
| Equity capital to assets | 10.0797% | 3,794 |
| Core capital (leverage) ratio | 10.1488% | 3,466 |
| Tier 1 risk-based capital ratio | 14.0196% | 4,415 |
| Total risk-based capital ratio | 15.2593% | 4,378 |
| Memoranda: | ||
| Average total assets | $321,612,500 | 2,008 |
| Average earning assets | $291,987,000 | 2,032 |
| Average equity | $34,106,750 | 2,032 |
| Average total loans | $244,435,250 | 1,700 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 1,534 |
| Cost of funding earning assets | 0.6090% | 2,859 |
| Net interest margin | 4.1026% | 1,537 |
| Noninterest income to average assets | 0.2972% | 5,324 |
| Noninterest expense to average assets | 3.5711% | 1,463 |
| Loan and lease loss provision to assets | 0.3169% | 1,112 |
| Net operating income to assets | 0.1231% | 6,078 |
| Return on assets (ROA) | 0.1578% | 6,118 |
| Pretax return on assets | 0.1641% | 6,139 |
| Return on Equity (ROE) | 1.4620% | 6,106 |
| Retained earnings to average equity (ytd only) | 1.4620% | 5,289 |
| Net charge-offs to loans | -0.0569% | 6,312 |
| Credit loss provision to net charge-offs | -724.6377% | 5,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0245% | 1,528 |
| Assets per employee ($millions) | 4.2183% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 4,949 |
| Loan loss allowance to noncurrent loans | 77.9061% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 2.2173% | 1,947 |
| Noncurrent loans to loans | 1.5501% | 2,981 |
| Net loans and leases to total assets | 78.5065% | 696 |
| Net loans and leases to deposits | 98.5044% | 515 |
| Net loans and leases to core deposits | 101.4596% | 978 |
| Total domestic deposits to total assets | 79.6984% | 5,667 |
| Equity capital to assets | 10.6422% | 3,128 |
| Core capital (leverage) ratio | 10.3105% | 3,091 |
| Tier 1 risk-based capital ratio | 13.7037% | 4,642 |
| Total risk-based capital ratio | 14.9541% | 4,605 |
| Memoranda: | ||
| Average total assets | $315,585,330 | 2,050 |
| Average earning assets | $286,065,670 | 2,091 |
| Average equity | $34,062,330 | 2,042 |
| Average total loans | $242,715,670 | 1,704 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,642 |
| Cost of funding earning assets | 0.6175% | 2,942 |
| Net interest margin | 4.0455% | 1,627 |
| Noninterest income to average assets | -0.0152% | 6,883 |
| Noninterest expense to average assets | 3.6156% | 1,394 |
| Loan and lease loss provision to assets | 0.1840% | 2,003 |
| Net operating income to assets | -0.1485% | 6,484 |
| Return on assets (ROA) | -0.1485% | 6,527 |
| Pretax return on assets | -0.1485% | 6,519 |
| Return on Equity (ROE) | -1.3661% | 6,526 |
| Retained earnings to average equity (ytd only) | -1.3661% | 6,002 |
| Net charge-offs to loans | -0.0990% | 6,442 |
| Credit loss provision to net charge-offs | -245.7627% | 5,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7087% | 851 |
| Assets per employee ($millions) | 4.1792% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,576 |
| Loan loss allowance to noncurrent loans | 75.8591% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.1283% | 2,208 |
| Noncurrent loans to loans | 1.4594% | 3,376 |
| Net loans and leases to total assets | 75.1167% | 945 |
| Net loans and leases to deposits | 94.4173% | 643 |
| Net loans and leases to core deposits | 97.2423% | 1,131 |
| Total domestic deposits to total assets | 79.5582% | 5,853 |
| Equity capital to assets | 10.7616% | 3,242 |
| Core capital (leverage) ratio | 10.2856% | 3,029 |
| Tier 1 risk-based capital ratio | 14.1346% | 4,404 |
| Total risk-based capital ratio | 15.3180% | 4,417 |
| Memoranda: | ||
| Average total assets | $315,191,000 | 2,080 |
| Average earning assets | $285,647,500 | 2,120 |
| Average equity | $34,259,000 | 2,059 |
| Average total loans | $238,368,500 | 1,740 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 1,889 |
| Cost of funding earning assets | 0.7616% | 3,000 |
| Net interest margin | 4.1226% | 1,911 |
| Noninterest income to average assets | 0.1361% | 6,359 |
| Noninterest expense to average assets | 2.8084% | 3,992 |
| Loan and lease loss provision to assets | 0.1437% | 3,810 |
| Net operating income to assets | 0.8770% | 2,925 |
| Return on assets (ROA) | 0.8770% | 3,165 |
| Pretax return on assets | 0.8770% | 4,003 |
| Return on Equity (ROE) | 8.6159% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.6159% | 938 |
| Net charge-offs to loans | 0.5887% | 1,965 |
| Credit loss provision to net charge-offs | 32.1006% | 5,085 |
| Earnings coverage of net charge-offs (x) | 2.2796% | 4,278 |
| Efficiency ratio | 68.0419% | 4,136 |
| Assets per employee ($millions) | 4.2265% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,770 |
| Loan loss allowance to noncurrent loans | 57.9380% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 2.2394% | 2,191 |
| Noncurrent loans to loans | 1.8082% | 2,906 |
| Net loans and leases to total assets | 74.5018% | 1,123 |
| Net loans and leases to deposits | 93.9311% | 753 |
| Net loans and leases to core deposits | 96.9103% | 1,234 |
| Total domestic deposits to total assets | 79.3153% | 5,820 |
| Equity capital to assets | 10.9786% | 2,975 |
| Core capital (leverage) ratio | 10.1478% | 3,202 |
| Tier 1 risk-based capital ratio | 14.5798% | 3,972 |
| Total risk-based capital ratio | 15.7087% | 4,014 |
| Memoranda: | ||
| Average total assets | $301,949,400 | 2,128 |
| Average earning assets | $270,487,200 | 2,157 |
| Average equity | $30,734,000 | 2,209 |
| Average total loans | $229,656,600 | 1,777 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 2,098 |
| Cost of funding earning assets | 0.7882% | 3,043 |
| Net interest margin | 4.0891% | 2,128 |
| Noninterest income to average assets | 0.2348% | 5,870 |
| Noninterest expense to average assets | 2.8542% | 3,777 |
| Loan and lease loss provision to assets | 0.0664% | 4,861 |
| Net operating income to assets | 0.9709% | 2,653 |
| Return on assets (ROA) | 0.9709% | 2,874 |
| Pretax return on assets | 0.9709% | 3,819 |
| Return on Equity (ROE) | 9.7383% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.7383% | 986 |
| Net charge-offs to loans | 0.7099% | 1,560 |
| Credit loss provision to net charge-offs | 12.2634% | 5,054 |
| Earnings coverage of net charge-offs (x) | 1.9160% | 4,303 |
| Efficiency ratio | 68.0788% | 4,044 |
| Assets per employee ($millions) | 4.5507% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,011 |
| Loan loss allowance to noncurrent loans | 45.4795% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 2.6238% | 2,011 |
| Noncurrent loans to loans | 2.2403% | 2,569 |
| Net loans and leases to total assets | 70.7235% | 1,776 |
| Net loans and leases to deposits | 88.6396% | 1,278 |
| Net loans and leases to core deposits | 91.3796% | 1,840 |
| Total domestic deposits to total assets | 79.7877% | 5,710 |
| Equity capital to assets | 10.6703% | 3,638 |
| Core capital (leverage) ratio | 9.9674% | 3,586 |
| Tier 1 risk-based capital ratio | 14.9279% | 3,897 |
| Total risk-based capital ratio | 16.0360% | 3,944 |
| Memoranda: | ||
| Average total assets | $299,246,000 | 2,162 |
| Average earning assets | $267,602,250 | 2,201 |
| Average equity | $29,833,250 | 2,276 |
| Average total loans | $228,200,500 | 1,799 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,947 |
| Cost of funding earning assets | 0.8222% | 3,009 |
| Net interest margin | 4.1211% | 2,005 |
| Noninterest income to average assets | 0.2828% | 5,551 |
| Noninterest expense to average assets | 2.9965% | 3,269 |
| Loan and lease loss provision to assets | 0.0874% | 4,489 |
| Net operating income to assets | 0.8791% | 3,003 |
| Return on assets (ROA) | 0.8791% | 3,257 |
| Pretax return on assets | 0.8791% | 4,159 |
| Return on Equity (ROE) | 9.0482% | 2,800 |
| Retained earnings to average equity (ytd only) | 9.0482% | 1,260 |
| Net charge-offs to loans | 0.4807% | 2,147 |
| Credit loss provision to net charge-offs | 23.3151% | 4,555 |
| Earnings coverage of net charge-offs (x) | 2.5774% | 3,718 |
| Efficiency ratio | 70.3206% | 3,709 |
| Assets per employee ($millions) | 4.4509% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,929 |
| Loan loss allowance to noncurrent loans | 39.1442% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 3.5733% | 1,483 |
| Noncurrent loans to loans | 3.2960% | 1,771 |
| Net loans and leases to total assets | 73.8394% | 1,271 |
| Net loans and leases to deposits | 93.1171% | 844 |
| Net loans and leases to core deposits | 96.6504% | 1,384 |
| Total domestic deposits to total assets | 79.2974% | 5,900 |
| Equity capital to assets | 10.7769% | 3,368 |
| Core capital (leverage) ratio | 10.3646% | 2,967 |
| Tier 1 risk-based capital ratio | 14.4965% | 4,109 |
| Total risk-based capital ratio | 15.7486% | 4,069 |
| Memoranda: | ||
| Average total assets | $292,811,670 | 2,207 |
| Average earning assets | $261,480,670 | 2,246 |
| Average equity | $28,447,670 | 2,356 |
| Average total loans | $228,398,000 | 1,791 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 1,661 |
| Cost of funding earning assets | 0.8697% | 2,919 |
| Net interest margin | 4.2008% | 1,754 |
| Noninterest income to average assets | 0.2030% | 6,173 |
| Noninterest expense to average assets | 3.3676% | 2,096 |
| Loan and lease loss provision to assets | -0.2072% | 7,210 |
| Net operating income to assets | 0.7827% | 3,460 |
| Return on assets (ROA) | 0.7827% | 3,703 |
| Pretax return on assets | 0.7827% | 4,483 |
| Return on Equity (ROE) | 8.5595% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.5595% | 1,753 |
| Net charge-offs to loans | 0.0176% | 4,441 |
| Credit loss provision to net charge-offs | -1,480.0000% | 5,987 |
| Earnings coverage of net charge-offs (x) | 41.1000% | 734 |
| Efficiency ratio | 79.9716% | 2,211 |
| Assets per employee ($millions) | 4.2008% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,674 |
| Loan loss allowance to noncurrent loans | 41.6764% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 3.7166% | 1,521 |
| Noncurrent loans to loans | 3.3224% | 1,920 |
| Net loans and leases to total assets | 78.1583% | 574 |
| Net loans and leases to deposits | 96.9080% | 484 |
| Net loans and leases to core deposits | 100.7090% | 945 |
| Total domestic deposits to total assets | 80.6521% | 5,689 |
| Equity capital to assets | 8.9697% | 5,542 |
| Core capital (leverage) ratio | 8.3257% | 5,832 |
| Tier 1 risk-based capital ratio | 11.1094% | 6,489 |
| Total risk-based capital ratio | 12.3631% | 6,473 |
| Memoranda: | ||
| Average total assets | $285,662,000 | 2,282 |
| Average earning assets | $254,330,500 | 2,330 |
| Average equity | $26,123,000 | 2,557 |
| Average total loans | $227,730,500 | 1,807 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 4,631 |
| Cost of funding earning assets | 1.1960% | 2,059 |
| Net interest margin | 3.4159% | 5,439 |
| Noninterest income to average assets | 0.7508% | 2,334 |
| Noninterest expense to average assets | 3.2475% | 2,698 |
| Loan and lease loss provision to assets | 0.2034% | 4,149 |
| Net operating income to assets | 0.3486% | 5,075 |
| Return on assets (ROA) | 0.3499% | 5,228 |
| Pretax return on assets | 0.3655% | 5,387 |
| Return on Equity (ROE) | 4.1964% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.1964% | 3,194 |
| Net charge-offs to loans | 0.8588% | 2,018 |
| Credit loss provision to net charge-offs | 33.0444% | 5,743 |
| Earnings coverage of net charge-offs (x) | 0.9220% | 5,111 |
| Efficiency ratio | 79.7622% | 2,333 |
| Assets per employee ($millions) | 3.7469% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 3,927 |
| Loan loss allowance to noncurrent loans | 43.1650% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 4.0218% | 1,431 |
| Noncurrent loans to loans | 3.5260% | 1,819 |
| Net loans and leases to total assets | 78.9921% | 612 |
| Net loans and leases to deposits | 99.1081% | 498 |
| Net loans and leases to core deposits | 99.8414% | 1,194 |
| Total domestic deposits to total assets | 79.7030% | 5,816 |
| Equity capital to assets | 9.3304% | 5,110 |
| Core capital (leverage) ratio | 8.0751% | 6,167 |
| Tier 1 risk-based capital ratio | 11.2189% | 6,337 |
| Total risk-based capital ratio | 12.4742% | 6,309 |
| Memoranda: | ||
| Average total assets | $299,830,800 | 2,131 |
| Average earning assets | $268,977,000 | 2,177 |
| Average equity | $24,997,600 | 2,581 |
| Average total loans | $214,957,600 | 1,913 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 5,390 |
| Cost of funding earning assets | 1.2824% | 1,801 |
| Net interest margin | 3.1774% | 6,211 |
| Noninterest income to average assets | 0.9048% | 1,630 |
| Noninterest expense to average assets | 3.1470% | 3,005 |
| Loan and lease loss provision to assets | 0.2588% | 3,431 |
| Net operating income to assets | 0.3358% | 5,269 |
| Return on assets (ROA) | 0.3374% | 5,435 |
| Pretax return on assets | 0.3579% | 5,580 |
| Return on Equity (ROE) | 4.1592% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.1592% | 3,768 |
| Net charge-offs to loans | 0.9160% | 1,750 |
| Credit loss provision to net charge-offs | 40.5055% | 5,228 |
| Earnings coverage of net charge-offs (x) | 0.9624% | 4,904 |
| Efficiency ratio | 78.3153% | 2,504 |
| Assets per employee ($millions) | 3.8106% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 3,328 |
| Loan loss allowance to noncurrent loans | 47.4503% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 3.4990% | 1,800 |
| Noncurrent loans to loans | 3.5457% | 1,936 |
| Net loans and leases to total assets | 76.6788% | 880 |
| Net loans and leases to deposits | 95.3587% | 737 |
| Net loans and leases to core deposits | 95.7090% | 1,637 |
| Total domestic deposits to total assets | 80.4109% | 5,618 |
| Equity capital to assets | 8.9712% | 5,787 |
| Core capital (leverage) ratio | 7.9279% | 6,457 |
| Tier 1 risk-based capital ratio | 11.4731% | 6,257 |
| Total risk-based capital ratio | 12.7303% | 6,243 |
| Memoranda: | ||
| Average total assets | $305,471,750 | 2,102 |
| Average earning assets | $274,679,000 | 2,139 |
| Average equity | $24,779,500 | 2,606 |
| Average total loans | $213,096,000 | 1,944 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 6,219 |
| Cost of funding earning assets | 1.4109% | 1,373 |
| Net interest margin | 2.8196% | 6,897 |
| Noninterest income to average assets | 0.9537% | 1,453 |
| Noninterest expense to average assets | 3.0414% | 3,474 |
| Loan and lease loss provision to assets | 0.3295% | 2,806 |
| Net operating income to assets | 0.0987% | 6,023 |
| Return on assets (ROA) | 0.0987% | 6,101 |
| Pretax return on assets | 0.1269% | 6,055 |
| Return on Equity (ROE) | 1.2575% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.2575% | 5,353 |
| Net charge-offs to loans | 1.1543% | 1,351 |
| Credit loss provision to net charge-offs | 42.4443% | 4,766 |
| Earnings coverage of net charge-offs (x) | 0.5879% | 4,859 |
| Efficiency ratio | 81.3267% | 2,199 |
| Assets per employee ($millions) | 3.6795% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7631% | 3,109 |
| Loan loss allowance to noncurrent loans | 49.0991% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 3.4808% | 1,894 |
| Noncurrent loans to loans | 3.5910% | 1,967 |
| Net loans and leases to total assets | 73.3578% | 1,525 |
| Net loans and leases to deposits | 92.1690% | 1,039 |
| Net loans and leases to core deposits | 95.0624% | 1,785 |
| Total domestic deposits to total assets | 79.5906% | 5,930 |
| Equity capital to assets | 8.3056% | 6,419 |
| Core capital (leverage) ratio | 7.4070% | 6,805 |
| Tier 1 risk-based capital ratio | 11.1280% | 6,426 |
| Total risk-based capital ratio | 12.3866% | 6,417 |
| Memoranda: | ||
| Average total assets | $312,031,670 | 2,064 |
| Average earning assets | $281,529,670 | 2,091 |
| Average equity | $24,493,000 | 2,610 |
| Average total loans | $209,830,670 | 2,001 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 6,614 |
| Cost of funding earning assets | 1.4886% | 1,216 |
| Net interest margin | 2.5545% | 7,158 |
| Noninterest income to average assets | 0.9303% | 1,544 |
| Noninterest expense to average assets | 3.2912% | 2,588 |
| Loan and lease loss provision to assets | -0.1580% | 7,498 |
| Net operating income to assets | 0.0527% | 6,226 |
| Return on assets (ROA) | 0.0527% | 6,267 |
| Pretax return on assets | 0.1078% | 6,151 |
| Return on Equity (ROE) | 0.6896% | 6,219 |
| Retained earnings to average equity (ytd only) | 0.6896% | 5,549 |
| Net charge-offs to loans | 1.6199% | 830 |
| Credit loss provision to net charge-offs | -15.2913% | 5,599 |
| Earnings coverage of net charge-offs (x) | -0.0485% | 4,616 |
| Efficiency ratio | 95.6286% | 942 |
| Assets per employee ($millions) | 3.4980% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 2,877 |
| Loan loss allowance to noncurrent loans | 37.9706% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 3.8438% | 1,742 |
| Noncurrent loans to loans | 4.8522% | 1,402 |
| Net loans and leases to total assets | 63.5362% | 3,534 |
| Net loans and leases to deposits | 79.9443% | 2,729 |
| Net loans and leases to core deposits | 82.4629% | 3,388 |
| Total domestic deposits to total assets | 79.4755% | 6,064 |
| Equity capital to assets | 7.9276% | 6,567 |
| Core capital (leverage) ratio | 6.8884% | 7,050 |
| Tier 1 risk-based capital ratio | 12.6161% | 5,151 |
| Total risk-based capital ratio | 13.8765% | 5,118 |
| Memoranda: | ||
| Average total assets | $319,028,000 | 2,043 |
| Average earning assets | $288,589,000 | 2,066 |
| Average equity | $24,362,500 | 2,611 |
| Average total loans | $203,466,500 | 2,071 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 6,179 |
| Cost of funding earning assets | 1.7147% | 1,532 |
| Net interest margin | 2.8605% | 6,957 |
| Noninterest income to average assets | 1.0380% | 1,392 |
| Noninterest expense to average assets | 2.5942% | 5,444 |
| Loan and lease loss provision to assets | 1.0546% | 1,526 |
| Net operating income to assets | -0.0144% | 5,867 |
| Return on assets (ROA) | -0.0144% | 5,977 |
| Pretax return on assets | -0.0245% | 5,929 |
| Return on Equity (ROE) | -0.1917% | 5,985 |
| Retained earnings to average equity (ytd only) | -0.1917% | 5,644 |
| Net charge-offs to loans | 1.1859% | 1,878 |
| Credit loss provision to net charge-offs | 124.2970% | 3,314 |
| Earnings coverage of net charge-offs (x) | 1.2141% | 4,889 |
| Efficiency ratio | 66.1181% | 4,947 |
| Assets per employee ($millions) | 3.8851% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2250% | 1,832 |
| Loan loss allowance to noncurrent loans | 46.5451% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 3.5754% | 1,926 |
| Noncurrent loans to loans | 4.7804% | 1,444 |
| Net loans and leases to total assets | 61.4905% | 4,397 |
| Net loans and leases to deposits | 76.1236% | 3,820 |
| Net loans and leases to core deposits | 84.6042% | 3,509 |
| Total domestic deposits to total assets | 80.7772% | 5,600 |
| Equity capital to assets | 7.3651% | 6,960 |
| Core capital (leverage) ratio | 6.6032% | 7,170 |
| Tier 1 risk-based capital ratio | 12.1634% | 5,324 |
| Total risk-based capital ratio | 13.4240% | 5,291 |
| Memoranda: | ||
| Average total assets | $326,960,400 | 1,990 |
| Average earning assets | $295,613,600 | 2,011 |
| Average equity | $24,517,000 | 2,607 |
| Average total loans | $233,917,400 | 1,866 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 5,926 |
| Cost of funding earning assets | 1.7521% | 1,616 |
| Net interest margin | 2.9737% | 6,883 |
| Noninterest income to average assets | 1.0531% | 1,297 |
| Noninterest expense to average assets | 2.5767% | 5,410 |
| Loan and lease loss provision to assets | 1.2236% | 1,160 |
| Net operating income to assets | -0.0376% | 6,075 |
| Return on assets (ROA) | -0.0376% | 6,190 |
| Pretax return on assets | -0.0613% | 6,179 |
| Return on Equity (ROE) | -0.4993% | 6,214 |
| Retained earnings to average equity (ytd only) | -0.4993% | 5,918 |
| Net charge-offs to loans | 1.2952% | 1,577 |
| Credit loss provision to net charge-offs | 128.1250% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.2170% | 4,845 |
| Efficiency ratio | 63.6125% | 5,317 |
| Assets per employee ($millions) | 4.1835% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 2,319 |
| Loan loss allowance to noncurrent loans | 54.3822% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.9708% | 2,444 |
| Noncurrent loans to loans | 3.6075% | 2,169 |
| Net loans and leases to total assets | 67.8956% | 3,244 |
| Net loans and leases to deposits | 83.5898% | 2,779 |
| Net loans and leases to core deposits | 93.0659% | 2,652 |
| Total domestic deposits to total assets | 81.2247% | 5,291 |
| Equity capital to assets | 7.1705% | 7,284 |
| Core capital (leverage) ratio | 6.4683% | 7,344 |
| Tier 1 risk-based capital ratio | 10.6938% | 6,640 |
| Total risk-based capital ratio | 11.9558% | 6,614 |
| Memoranda: | ||
| Average total assets | $326,142,250 | 2,019 |
| Average earning assets | $294,579,500 | 2,044 |
| Average equity | $24,565,750 | 2,641 |
| Average total loans | $240,476,000 | 1,842 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 5,802 |
| Cost of funding earning assets | 1.7519% | 1,854 |
| Net interest margin | 3.0477% | 6,730 |
| Noninterest income to average assets | 1.0575% | 1,198 |
| Noninterest expense to average assets | 2.5846% | 5,381 |
| Loan and lease loss provision to assets | 0.8133% | 1,777 |
| Net operating income to assets | 0.2715% | 5,293 |
| Return on assets (ROA) | 0.2715% | 5,442 |
| Pretax return on assets | 0.4082% | 5,200 |
| Return on Equity (ROE) | 3.5449% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.5449% | 3,847 |
| Net charge-offs to loans | 1.0932% | 1,726 |
| Credit loss provision to net charge-offs | 98.7925% | 4,157 |
| Earnings coverage of net charge-offs (x) | 1.4838% | 4,373 |
| Efficiency ratio | 62.6347% | 5,584 |
| Assets per employee ($millions) | 3.5738% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 3,432 |
| Loan loss allowance to noncurrent loans | 48.5069% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.8818% | 2,495 |
| Noncurrent loans to loans | 3.3047% | 2,424 |
| Net loans and leases to total assets | 71.8270% | 2,450 |
| Net loans and leases to deposits | 90.6394% | 1,749 |
| Net loans and leases to core deposits | 98.4146% | 2,185 |
| Total domestic deposits to total assets | 79.2448% | 5,960 |
| Equity capital to assets | 7.3836% | 7,174 |
| Core capital (leverage) ratio | 6.7136% | 7,318 |
| Tier 1 risk-based capital ratio | 10.3928% | 6,768 |
| Total risk-based capital ratio | 11.6497% | 6,749 |
| Memoranda: | ||
| Average total assets | $321,903,000 | 2,061 |
| Average earning assets | $290,316,670 | 2,088 |
| Average equity | $24,655,000 | 2,625 |
| Average total loans | $242,409,670 | 1,854 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 5,866 |
| Cost of funding earning assets | 1.7044% | 2,370 |
| Net interest margin | 3.1037% | 6,585 |
| Noninterest income to average assets | 1.1445% | 956 |
| Noninterest expense to average assets | 2.7248% | 4,789 |
| Loan and lease loss provision to assets | 0.1931% | 4,567 |
| Net operating income to assets | 0.6910% | 3,481 |
| Return on assets (ROA) | 0.6910% | 3,597 |
| Pretax return on assets | 1.0188% | 3,019 |
| Return on Equity (ROE) | 8.8525% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.8525% | 1,442 |
| Net charge-offs to loans | 0.1826% | 3,828 |
| Credit loss provision to net charge-offs | 138.1818% | 2,559 |
| Earnings coverage of net charge-offs (x) | 8.6727% | 1,934 |
| Efficiency ratio | 63.9884% | 5,496 |
| Assets per employee ($millions) | 3.6366% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 3,539 |
| Loan loss allowance to noncurrent loans | 57.6279% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 2.3435% | 3,099 |
| Noncurrent loans to loans | 2.7386% | 2,912 |
| Net loans and leases to total assets | 76.8605% | 1,357 |
| Net loans and leases to deposits | 98.1414% | 896 |
| Net loans and leases to core deposits | 104.6823% | 1,687 |
| Total domestic deposits to total assets | 78.3161% | 6,238 |
| Equity capital to assets | 7.6840% | 6,941 |
| Core capital (leverage) ratio | 7.2267% | 7,085 |
| Tier 1 risk-based capital ratio | 10.1779% | 6,902 |
| Total risk-based capital ratio | 11.4351% | 6,885 |
| Memoranda: | ||
| Average total assets | $314,887,000 | 2,160 |
| Average earning assets | $283,275,000 | 2,187 |
| Average equity | $24,580,500 | 2,655 |
| Average total loans | $241,003,000 | 1,919 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5629% | 3,796 |
| Cost of funding earning assets | 1.9620% | 3,141 |
| Net interest margin | 3.6009% | 4,550 |
| Noninterest income to average assets | 1.0918% | 1,292 |
| Noninterest expense to average assets | 12.0747% | 76 |
| Loan and lease loss provision to assets | 0.6829% | 3,095 |
| Net operating income to assets | -8.7266% | 7,953 |
| Return on assets (ROA) | -8.7155% | 7,955 |
| Pretax return on assets | -8.5387% | 7,932 |
| Return on Equity (ROE) | -75.1105% | 7,840 |
| Retained earnings to average equity (ytd only) | -80.0479% | 7,860 |
| Net charge-offs to loans | 0.3612% | 4,424 |
| Credit loss provision to net charge-offs | 241.1561% | 1,482 |
| Earnings coverage of net charge-offs (x) | -27.7803% | 7,200 |
| Efficiency ratio | 64.4130% | 5,694 |
| Assets per employee ($millions) | 3.4786% | 5,062 |
| Cash dividends to net income (ytd only)* | -6.5735% | 7,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 2,825 |
| Loan loss allowance to noncurrent loans | 82.2120% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.7729% | 3,715 |
| Noncurrent loans to loans | 2.0942% | 3,526 |
| Net loans and leases to total assets | 73.6011% | 2,362 |
| Net loans and leases to deposits | 95.2688% | 1,421 |
| Net loans and leases to core deposits | 110.3344% | 2,858 |
| Total domestic deposits to total assets | 77.2563% | 6,394 |
| Equity capital to assets | 7.9353% | 6,641 |
| Core capital (leverage) ratio | 7.1329% | 7,128 |
| Tier 1 risk-based capital ratio | 11.1279% | 5,801 |
| Total risk-based capital ratio | 12.3820% | 5,747 |
| Memoranda: | ||
| Average total assets | $305,456,600 | 2,183 |
| Average earning assets | $264,321,600 | 2,290 |
| Average equity | $35,443,800 | 1,903 |
| Average total loans | $239,501,800 | 1,955 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7232% | 3,223 |
| Cost of funding earning assets | 1.9401% | 3,666 |
| Net interest margin | 3.7830% | 3,723 |
| Noninterest income to average assets | 0.9333% | 1,844 |
| Noninterest expense to average assets | 15.2628% | 61 |
| Loan and lease loss provision to assets | 0.6202% | 2,913 |
| Net operating income to assets | -11.8467% | 8,057 |
| Return on assets (ROA) | -11.8319% | 8,057 |
| Pretax return on assets | -11.6895% | 8,056 |
| Return on Equity (ROE) | -94.4804% | 8,002 |
| Retained earnings to average equity (ytd only) | -100.5834% | 8,011 |
| Net charge-offs to loans | 0.3668% | 3,816 |
| Credit loss provision to net charge-offs | 213.2132% | 2,064 |
| Earnings coverage of net charge-offs (x) | -38.1080% | 6,954 |
| Efficiency ratio | 68.0079% | 4,973 |
| Assets per employee ($millions) | 3.4648% | 5,016 |
| Cash dividends to net income (ytd only)* | -6.4595% | 7,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 3,451 |
| Loan loss allowance to noncurrent loans | 199.5413% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 5,631 |
| Noncurrent loans to loans | 0.7510% | 5,805 |
| Net loans and leases to total assets | 76.7701% | 1,828 |
| Net loans and leases to deposits | 102.5522% | 880 |
| Net loans and leases to core deposits | 118.4740% | 2,375 |
| Total domestic deposits to total assets | 74.8595% | 6,798 |
| Equity capital to assets | 8.0142% | 6,838 |
| Core capital (leverage) ratio | 7.1777% | 7,283 |
| Tier 1 risk-based capital ratio | 10.4996% | 6,471 |
| Total risk-based capital ratio | 11.7553% | 6,417 |
| Memoranda: | ||
| Average total assets | $305,292,000 | 2,198 |
| Average earning assets | $261,898,750 | 2,320 |
| Average equity | $38,232,000 | 1,780 |
| Average total loans | $242,064,500 | 1,953 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8412% | 2,842 |
| Cost of funding earning assets | 1.9040% | 4,241 |
| Net interest margin | 3.9372% | 2,940 |
| Noninterest income to average assets | 0.9131% | 1,930 |
| Noninterest expense to average assets | 21.2522% | 56 |
| Loan and lease loss provision to assets | 0.8176% | 2,046 |
| Net operating income to assets | -17.9272% | 8,169 |
| Return on assets (ROA) | -17.9272% | 8,167 |
| Pretax return on assets | -17.8278% | 8,166 |
| Return on Equity (ROE) | -128.2500% | 8,109 |
| Retained earnings to average equity (ytd only) | -136.3865% | 8,114 |
| Net charge-offs to loans | 0.5128% | 2,788 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | -41.6105% | 6,589 |
| Efficiency ratio | 67.3204% | 5,289 |
| Assets per employee ($millions) | 3.3162% | 5,273 |
| Cash dividends to net income (ytd only)* | -6.3443% | 7,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 3,640 |
| Loan loss allowance to noncurrent loans | 231.6989% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 5,717 |
| Noncurrent loans to loans | 0.6112% | 6,036 |
| Net loans and leases to total assets | 80.0308% | 1,309 |
| Net loans and leases to deposits | 109.8814% | 556 |
| Net loans and leases to core deposits | 124.6780% | 1,965 |
| Total domestic deposits to total assets | 72.8337% | 7,134 |
| Equity capital to assets | 8.0064% | 6,743 |
| Core capital (leverage) ratio | 6.5294% | 7,782 |
| Tier 1 risk-based capital ratio | 10.0088% | 6,909 |
| Total risk-based capital ratio | 11.2635% | 6,837 |
| Memoranda: | ||
| Average total assets | $307,732,670 | 2,213 |
| Average earning assets | $260,187,330 | 2,348 |
| Average equity | $43,016,000 | 1,583 |
| Average total loans | $245,342,000 | 1,968 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9401% | 2,605 |
| Cost of funding earning assets | 1.8842% | 4,712 |
| Net interest margin | 4.0559% | 2,433 |
| Noninterest income to average assets | 0.8553% | 2,061 |
| Noninterest expense to average assets | 2.8104% | 4,513 |
| Loan and lease loss provision to assets | 0.1242% | 5,371 |
| Net operating income to assets | 0.8794% | 2,797 |
| Return on assets (ROA) | 0.8794% | 2,940 |
| Pretax return on assets | 1.2646% | 2,392 |
| Return on Equity (ROE) | 5.2534% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.2534% | 2,989 |
| Net charge-offs to loans | 0.1170% | 4,033 |
| Credit loss provision to net charge-offs | 134.2466% | 3,014 |
| Earnings coverage of net charge-offs (x) | 15.0137% | 1,630 |
| Efficiency ratio | 61.9493% | 6,057 |
| Assets per employee ($millions) | 3.4766% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,368 |
| Loan loss allowance to noncurrent loans | 218.8544% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 6,003 |
| Noncurrent loans to loans | 0.5088% | 6,156 |
| Net loans and leases to total assets | 78.0786% | 1,807 |
| Net loans and leases to deposits | 124.2340% | 213 |
| Net loans and leases to core deposits | 139.0407% | 1,151 |
| Total domestic deposits to total assets | 62.8480% | 7,887 |
| Equity capital to assets | 17.0661% | 716 |
| Core capital (leverage) ratio | 8.2991% | 5,907 |
| Tier 1 risk-based capital ratio | 11.2031% | 5,699 |
| Total risk-based capital ratio | 12.4537% | 5,610 |
| Memoranda: | ||
| Average total assets | $315,684,500 | 2,181 |
| Average earning assets | $260,266,000 | 2,362 |
| Average equity | $52,841,500 | 1,287 |
| Average total loans | $249,559,000 | 1,968 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 8,124 |
| Cost of funding earning assets | 1.2530% | 7,888 |
| Net interest margin | 2.5270% | 7,726 |
| Noninterest income to average assets | 0.7231% | 2,958 |
| Noninterest expense to average assets | 1.7758% | 7,779 |
| Loan and lease loss provision to assets | 0.0131% | 7,203 |
| Net operating income to assets | 0.7390% | 3,722 |
| Return on assets (ROA) | 0.7076% | 3,695 |
| Pretax return on assets | 1.0369% | 3,248 |
| Return on Equity (ROE) | 5.0764% | 4,344 |
| Retained earnings to average equity (ytd only) | 2.6258% | 3,554 |
| Net charge-offs to loans | 0.1045% | 5,262 |
| Credit loss provision to net charge-offs | 15.5738% | 6,598 |
| Earnings coverage of net charge-offs (x) | 13.0574% | 2,177 |
| Efficiency ratio | 57.4509% | 6,790 |
| Assets per employee ($millions) | 3.4245% | 4,867 |
| Cash dividends to net income (ytd only)* | 48.2742% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 5,407 |
| Loan loss allowance to noncurrent loans | 885.0649% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 6,796 |
| Noncurrent loans to loans | 0.1222% | 7,045 |
| Net loans and leases to total assets | 78.2912% | 2,052 |
| Net loans and leases to deposits | 127.6329% | 246 |
| Net loans and leases to core deposits | 143.1834% | 1,128 |
| Total domestic deposits to total assets | 61.3409% | 7,913 |
| Equity capital to assets | 16.4171% | 855 |
| Core capital (leverage) ratio | 8.4376% | 5,682 |
| Tier 1 risk-based capital ratio | 11.4165% | 5,321 |
| Total risk-based capital ratio | 12.6667% | 5,224 |
| Memoranda: | ||
| Average total assets | $290,686,600 | 2,248 |
| Average earning assets | $247,172,200 | 2,393 |
| Average equity | $40,520,600 | 1,654 |
| Average total loans | $233,598,000 | 2,022 |