Home > Summit Bank > Performance and Condition Ratios
Summit Bank, Performance and Condition Ratios
| 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 | 4.6073% | 1,833 |
| Cost of funding earning assets | 0.3881% | 5,051 |
| Net interest margin | 4.2193% | 1,229 |
| Noninterest income to average assets | 0.3177% | 5,163 |
| Noninterest expense to average assets | 2.6247% | 4,299 |
| Loan and lease loss provision to assets | 0.0491% | 3,999 |
| Net operating income to assets | 1.4904% | 917 |
| Return on assets (ROA) | 1.4904% | 988 |
| Pretax return on assets | 1.4904% | 1,644 |
| Return on Equity (ROE) | 16.1598% | 644 |
| Retained earnings to average equity (ytd only) | 11.7495% | 535 |
| Net charge-offs to loans | 0.0285% | 4,293 |
| Credit loss provision to net charge-offs | 213.3333% | 1,135 |
| Earnings coverage of net charge-offs (x) | 66.8667% | 658 |
| Efficiency ratio | 63.0299% | 5,012 |
| Assets per employee ($millions) | 5.9586% | 1,231 |
| Cash dividends to net income (ytd only)* | 27.2915% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,916 |
| Loan loss allowance to noncurrent loans | 290.4853% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 4,351 |
| Noncurrent loans to loans | 0.4909% | 5,033 |
| Net loans and leases to total assets | 82.3613% | 333 |
| Net loans and leases to deposits | 93.3186% | 856 |
| Net loans and leases to core deposits | 101.3199% | 985 |
| Total domestic deposits to total assets | 88.2581% | 2,067 |
| Equity capital to assets | 9.6359% | 4,405 |
| Core capital (leverage) ratio | 9.4980% | 4,250 |
| Tier 1 risk-based capital ratio | 12.0475% | 5,770 |
| Total risk-based capital ratio | 13.3004% | 5,714 |
| Memoranda: | ||
| Average total assets | $260,596,330 | 2,457 |
| Average earning assets | $237,577,330 | 2,469 |
| Average equity | $24,035,000 | 2,767 |
| Average total loans | $210,312,330 | 1,933 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 2,130 |
| Cost of funding earning assets | 0.4049% | 5,056 |
| Net interest margin | 4.1057% | 1,443 |
| Noninterest income to average assets | 0.3212% | 5,130 |
| Noninterest expense to average assets | 2.5892% | 4,436 |
| Loan and lease loss provision to assets | 0.0974% | 3,061 |
| Net operating income to assets | 1.3699% | 1,102 |
| Return on assets (ROA) | 1.3699% | 1,192 |
| Pretax return on assets | 1.3699% | 1,970 |
| Return on Equity (ROE) | 15.1847% | 726 |
| Retained earnings to average equity (ytd only) | 15.1847% | 338 |
| Net charge-offs to loans | 0.0518% | 3,309 |
| Credit loss provision to net charge-offs | 237.0370% | 960 |
| Earnings coverage of net charge-offs (x) | 35.7037% | 863 |
| Efficiency ratio | 63.8274% | 5,032 |
| Assets per employee ($millions) | 6.0601% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 3,989 |
| Loan loss allowance to noncurrent loans | 234.5357% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 4,242 |
| Noncurrent loans to loans | 0.6211% | 4,889 |
| Net loans and leases to total assets | 79.3277% | 491 |
| Net loans and leases to deposits | 89.5379% | 1,003 |
| Net loans and leases to core deposits | 98.8358% | 1,021 |
| Total domestic deposits to total assets | 88.5969% | 1,937 |
| Equity capital to assets | 9.2733% | 5,169 |
| Core capital (leverage) ratio | 9.3830% | 4,271 |
| Tier 1 risk-based capital ratio | 11.9780% | 5,929 |
| Total risk-based capital ratio | 13.2311% | 5,891 |
| Memoranda: | ||
| Average total assets | $262,784,500 | 2,462 |
| Average earning assets | $239,081,000 | 2,481 |
| Average equity | $23,708,000 | 2,834 |
| Average total loans | $208,429,000 | 1,957 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9468% | 1,696 |
| Cost of funding earning assets | 0.5217% | 5,057 |
| Net interest margin | 4.4251% | 1,106 |
| Noninterest income to average assets | 0.3708% | 4,824 |
| Noninterest expense to average assets | 2.7845% | 4,087 |
| Loan and lease loss provision to assets | 0.1850% | 3,327 |
| Net operating income to assets | 1.4519% | 998 |
| Return on assets (ROA) | 1.4519% | 1,116 |
| Pretax return on assets | 1.4519% | 1,845 |
| Return on Equity (ROE) | 15.6464% | 715 |
| Retained earnings to average equity (ytd only) | 10.1153% | 576 |
| Net charge-offs to loans | 0.1085% | 4,580 |
| Credit loss provision to net charge-offs | 204.6512% | 1,253 |
| Earnings coverage of net charge-offs (x) | 18.1116% | 1,460 |
| Efficiency ratio | 62.9778% | 5,080 |
| Assets per employee ($millions) | 6.3091% | 1,097 |
| Cash dividends to net income (ytd only)* | 35.3503% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 3,910 |
| Loan loss allowance to noncurrent loans | 250.9559% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 4,196 |
| Noncurrent loans to loans | 0.5809% | 5,077 |
| Net loans and leases to total assets | 77.0110% | 788 |
| Net loans and leases to deposits | 87.3312% | 1,351 |
| Net loans and leases to core deposits | 96.2943% | 1,275 |
| Total domestic deposits to total assets | 88.1826% | 2,104 |
| Equity capital to assets | 8.7745% | 5,766 |
| Core capital (leverage) ratio | 9.1971% | 4,585 |
| Tier 1 risk-based capital ratio | 11.4795% | 6,120 |
| Total risk-based capital ratio | 12.7323% | 6,084 |
| Memoranda: | ||
| Average total assets | $237,890,400 | 2,658 |
| Average earning assets | $217,755,600 | 2,632 |
| Average equity | $22,075,400 | 2,964 |
| Average total loans | $198,155,600 | 2,018 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9822% | 1,733 |
| Cost of funding earning assets | 0.5435% | 5,140 |
| Net interest margin | 4.4386% | 1,116 |
| Noninterest income to average assets | 0.3583% | 4,959 |
| Noninterest expense to average assets | 2.8597% | 3,749 |
| Loan and lease loss provision to assets | 0.2019% | 3,066 |
| Net operating income to assets | 1.3765% | 1,277 |
| Return on assets (ROA) | 1.3765% | 1,410 |
| Pretax return on assets | 1.3765% | 2,316 |
| Return on Equity (ROE) | 14.6053% | 977 |
| Retained earnings to average equity (ytd only) | 10.4735% | 792 |
| Net charge-offs to loans | 0.1463% | 3,936 |
| Credit loss provision to net charge-offs | 162.7907% | 1,709 |
| Earnings coverage of net charge-offs (x) | 12.7256% | 1,980 |
| Efficiency ratio | 64.4352% | 4,732 |
| Assets per employee ($millions) | 5.6253% | 1,518 |
| Cash dividends to net income (ytd only)* | 28.2901% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 4,255 |
| Loan loss allowance to noncurrent loans | 134.5429% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 3,493 |
| Noncurrent loans to loans | 1.0604% | 4,320 |
| Net loans and leases to total assets | 83.6606% | 242 |
| Net loans and leases to deposits | 95.7769% | 673 |
| Net loans and leases to core deposits | 107.4735% | 672 |
| Total domestic deposits to total assets | 87.3495% | 2,465 |
| Equity capital to assets | 9.3853% | 5,357 |
| Core capital (leverage) ratio | 9.4881% | 4,286 |
| Tier 1 risk-based capital ratio | 11.2895% | 6,366 |
| Total risk-based capital ratio | 12.5421% | 6,322 |
| Memoranda: | ||
| Average total assets | $231,117,250 | 2,740 |
| Average earning assets | $212,431,750 | 2,729 |
| Average equity | $21,781,500 | 3,023 |
| Average total loans | $195,923,250 | 2,065 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 1,996 |
| Cost of funding earning assets | 0.5587% | 5,241 |
| Net interest margin | 4.3696% | 1,281 |
| Noninterest income to average assets | 0.3525% | 5,021 |
| Noninterest expense to average assets | 2.9728% | 3,360 |
| Loan and lease loss provision to assets | 0.1758% | 3,342 |
| Net operating income to assets | 1.2394% | 1,585 |
| Return on assets (ROA) | 1.2394% | 1,769 |
| Pretax return on assets | 1.2394% | 2,768 |
| Return on Equity (ROE) | 13.1318% | 1,328 |
| Retained earnings to average equity (ytd only) | 9.4716% | 1,123 |
| Net charge-offs to loans | 0.1992% | 3,388 |
| Credit loss provision to net charge-offs | 104.1667% | 2,616 |
| Earnings coverage of net charge-offs (x) | 8.3854% | 2,302 |
| Efficiency ratio | 67.7484% | 4,176 |
| Assets per employee ($millions) | 5.5920% | 1,538 |
| Cash dividends to net income (ytd only)* | 27.8723% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,573 |
| Loan loss allowance to noncurrent loans | 110.6635% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.5145% | 3,430 |
| Noncurrent loans to loans | 1.2373% | 4,073 |
| Net loans and leases to total assets | 85.9391% | 143 |
| Net loans and leases to deposits | 98.4662% | 502 |
| Net loans and leases to core deposits | 111.9623% | 509 |
| Total domestic deposits to total assets | 87.2777% | 2,608 |
| Equity capital to assets | 9.3590% | 5,246 |
| Core capital (leverage) ratio | 9.3754% | 4,327 |
| Tier 1 risk-based capital ratio | 11.0248% | 6,484 |
| Total risk-based capital ratio | 12.2770% | 6,460 |
| Memoranda: | ||
| Average total assets | $227,527,000 | 2,782 |
| Average earning assets | $210,136,000 | 2,758 |
| Average equity | $21,474,670 | 3,047 |
| Average total loans | $192,799,670 | 2,093 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8905% | 2,286 |
| Cost of funding earning assets | 0.5835% | 5,265 |
| Net interest margin | 4.3071% | 1,450 |
| Noninterest income to average assets | 0.3556% | 5,025 |
| Noninterest expense to average assets | 3.0341% | 3,139 |
| Loan and lease loss provision to assets | 0.1876% | 3,082 |
| Net operating income to assets | 1.1043% | 2,065 |
| Return on assets (ROA) | 1.1043% | 2,250 |
| Pretax return on assets | 1.1043% | 3,309 |
| Return on Equity (ROE) | 11.6486% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.6486% | 895 |
| Net charge-offs to loans | -0.0064% | 5,841 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1363% | 3,780 |
| Assets per employee ($millions) | 5.5641% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 4,105 |
| Loan loss allowance to noncurrent loans | 126.5155% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.2835% | 3,997 |
| Noncurrent loans to loans | 1.1935% | 4,340 |
| Net loans and leases to total assets | 82.9456% | 224 |
| Net loans and leases to deposits | 94.9934% | 601 |
| Net loans and leases to core deposits | 106.5847% | 653 |
| Total domestic deposits to total assets | 87.3173% | 2,761 |
| Equity capital to assets | 9.4490% | 4,875 |
| Core capital (leverage) ratio | 9.7390% | 3,719 |
| Tier 1 risk-based capital ratio | 11.5544% | 6,250 |
| Total risk-based capital ratio | 12.8081% | 6,222 |
| Memoranda: | ||
| Average total assets | $223,858,500 | 2,846 |
| Average earning assets | $206,357,500 | 2,816 |
| Average equity | $21,221,500 | 3,085 |
| Average total loans | $186,878,500 | 2,151 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 2,884 |
| Cost of funding earning assets | 0.6572% | 5,785 |
| Net interest margin | 4.3423% | 1,567 |
| Noninterest income to average assets | 0.5284% | 3,659 |
| Noninterest expense to average assets | 3.0764% | 3,287 |
| Loan and lease loss provision to assets | 0.1597% | 4,628 |
| Net operating income to assets | 1.2518% | 1,378 |
| Return on assets (ROA) | 1.2518% | 1,476 |
| Pretax return on assets | 1.2518% | 2,293 |
| Return on Equity (ROE) | 12.8882% | 1,190 |
| Retained earnings to average equity (ytd only) | 9.4939% | 675 |
| Net charge-offs to loans | 0.2097% | 4,484 |
| Credit loss provision to net charge-offs | 93.9655% | 3,834 |
| Earnings coverage of net charge-offs (x) | 8.3046% | 2,169 |
| Efficiency ratio | 68.5494% | 4,243 |
| Assets per employee ($millions) | 5.1067% | 2,051 |
| Cash dividends to net income (ytd only)* | 26.3363% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 3,835 |
| Loan loss allowance to noncurrent loans | 165.3254% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 4,499 |
| Noncurrent loans to loans | 0.9304% | 4,838 |
| Net loans and leases to total assets | 81.4430% | 378 |
| Net loans and leases to deposits | 95.9493% | 674 |
| Net loans and leases to core deposits | 108.6493% | 670 |
| Total domestic deposits to total assets | 84.8812% | 3,911 |
| Equity capital to assets | 9.5119% | 4,872 |
| Core capital (leverage) ratio | 9.6925% | 3,754 |
| Tier 1 risk-based capital ratio | 11.8056% | 5,954 |
| Total risk-based capital ratio | 13.0595% | 5,934 |
| Memoranda: | ||
| Average total assets | $204,750,600 | 3,002 |
| Average earning assets | $186,699,800 | 3,006 |
| Average equity | $19,886,400 | 3,170 |
| Average total loans | $165,978,200 | 2,418 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 2,908 |
| Cost of funding earning assets | 0.6555% | 6,008 |
| Net interest margin | 4.3804% | 1,455 |
| Noninterest income to average assets | 0.4748% | 4,086 |
| Noninterest expense to average assets | 3.0434% | 3,383 |
| Loan and lease loss provision to assets | 0.1426% | 4,661 |
| Net operating income to assets | 1.2687% | 1,457 |
| Return on assets (ROA) | 1.2687% | 1,565 |
| Pretax return on assets | 1.2687% | 2,406 |
| Return on Equity (ROE) | 12.9892% | 1,280 |
| Retained earnings to average equity (ytd only) | 11.0541% | 623 |
| Net charge-offs to loans | 0.1769% | 4,388 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 9.8976% | 1,990 |
| Efficiency ratio | 68.3192% | 4,256 |
| Assets per employee ($millions) | 4.8434% | 2,403 |
| Cash dividends to net income (ytd only)* | 14.8981% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 3,546 |
| Loan loss allowance to noncurrent loans | 159.5805% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 4,487 |
| Noncurrent loans to loans | 1.0191% | 4,855 |
| Net loans and leases to total assets | 81.7622% | 374 |
| Net loans and leases to deposits | 97.0600% | 634 |
| Net loans and leases to core deposits | 108.9937% | 725 |
| Total domestic deposits to total assets | 84.2388% | 4,121 |
| Equity capital to assets | 9.8749% | 4,515 |
| Core capital (leverage) ratio | 10.4785% | 2,891 |
| Tier 1 risk-based capital ratio | 11.7034% | 6,103 |
| Total risk-based capital ratio | 12.9580% | 6,097 |
| Memoranda: | ||
| Average total assets | $201,041,250 | 3,063 |
| Average earning assets | $182,655,500 | 3,071 |
| Average equity | $19,636,250 | 3,201 |
| Average total loans | $162,064,500 | 2,484 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 2,846 |
| Cost of funding earning assets | 0.6705% | 6,122 |
| Net interest margin | 4.3971% | 1,378 |
| Noninterest income to average assets | 0.3433% | 5,132 |
| Noninterest expense to average assets | 3.0398% | 3,483 |
| Loan and lease loss provision to assets | 0.0604% | 5,555 |
| Net operating income to assets | 1.2183% | 1,518 |
| Return on assets (ROA) | 1.2183% | 1,597 |
| Pretax return on assets | 1.2183% | 2,411 |
| Return on Equity (ROE) | 12.5218% | 1,333 |
| Retained earnings to average equity (ytd only) | 10.4935% | 745 |
| Net charge-offs to loans | 0.1818% | 4,071 |
| Credit loss provision to net charge-offs | 41.6667% | 4,783 |
| Earnings coverage of net charge-offs (x) | 8.8194% | 2,004 |
| Efficiency ratio | 70.3894% | 4,035 |
| Assets per employee ($millions) | 5.3302% | 1,724 |
| Cash dividends to net income (ytd only)* | 16.1983% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 3,366 |
| Loan loss allowance to noncurrent loans | 142.3137% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5251% | 3,915 |
| Noncurrent loans to loans | 1.1867% | 4,672 |
| Net loans and leases to total assets | 78.4857% | 710 |
| Net loans and leases to deposits | 91.2342% | 1,135 |
| Net loans and leases to core deposits | 103.3594% | 1,085 |
| Total domestic deposits to total assets | 86.0266% | 3,311 |
| Equity capital to assets | 9.8366% | 4,349 |
| Core capital (leverage) ratio | 10.2552% | 2,970 |
| Tier 1 risk-based capital ratio | 12.1240% | 5,691 |
| Total risk-based capital ratio | 13.3791% | 5,659 |
| Memoranda: | ||
| Average total assets | $198,633,330 | 3,113 |
| Average earning assets | $179,572,000 | 3,143 |
| Average equity | $19,326,330 | 3,226 |
| Average total loans | $158,387,000 | 2,563 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 3,423 |
| Cost of funding earning assets | 0.7045% | 6,102 |
| Net interest margin | 4.2246% | 1,820 |
| Noninterest income to average assets | 0.3478% | 5,126 |
| Noninterest expense to average assets | 2.9958% | 3,658 |
| Loan and lease loss provision to assets | 0.0610% | 5,234 |
| Net operating income to assets | 1.1328% | 1,729 |
| Return on assets (ROA) | 1.1328% | 1,774 |
| Pretax return on assets | 1.1328% | 2,634 |
| Return on Equity (ROE) | 11.7094% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.7094% | 777 |
| Net charge-offs to loans | -0.0051% | 6,244 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5049% | 3,960 |
| Assets per employee ($millions) | 5.2579% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,987 |
| Loan loss allowance to noncurrent loans | 80.6059% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 2.3842% | 2,856 |
| Noncurrent loans to loans | 2.2426% | 3,266 |
| Net loans and leases to total assets | 81.7033% | 367 |
| Net loans and leases to deposits | 95.6360% | 716 |
| Net loans and leases to core deposits | 109.1628% | 776 |
| Total domestic deposits to total assets | 85.4315% | 3,821 |
| Equity capital to assets | 10.2686% | 3,446 |
| Core capital (leverage) ratio | 9.6944% | 3,535 |
| Tier 1 risk-based capital ratio | 12.1398% | 5,561 |
| Total risk-based capital ratio | 13.3964% | 5,551 |
| Memoranda: | ||
| Average total assets | $196,675,500 | 3,161 |
| Average earning assets | $178,857,500 | 3,169 |
| Average equity | $19,027,500 | 3,252 |
| Average total loans | $156,729,000 | 2,606 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 4,382 |
| Cost of funding earning assets | 0.9824% | 5,772 |
| Net interest margin | 4.0543% | 2,781 |
| Noninterest income to average assets | 0.1366% | 6,708 |
| Noninterest expense to average assets | 2.7616% | 4,734 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0738% | 1,782 |
| Return on assets (ROA) | 1.0753% | 1,872 |
| Pretax return on assets | 1.0753% | 2,680 |
| Return on Equity (ROE) | 11.8445% | 1,352 |
| Retained earnings to average equity (ytd only) | 8.9698% | 708 |
| Net charge-offs to loans | 0.2565% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 5.3747% | 2,642 |
| Efficiency ratio | 72.0032% | 3,795 |
| Assets per employee ($millions) | 5.8305% | 1,330 |
| Cash dividends to net income (ytd only)* | 24.2709% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8050% | 2,845 |
| Loan loss allowance to noncurrent loans | 73.2310% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 3.0314% | 2,324 |
| Noncurrent loans to loans | 2.4648% | 3,057 |
| Net loans and leases to total assets | 75.0463% | 1,468 |
| Net loans and leases to deposits | 88.4285% | 1,735 |
| Net loans and leases to core deposits | 100.1465% | 1,604 |
| Total domestic deposits to total assets | 84.8667% | 3,921 |
| Equity capital to assets | 9.1235% | 4,957 |
| Core capital (leverage) ratio | 9.5213% | 3,681 |
| Tier 1 risk-based capital ratio | 11.4014% | 5,991 |
| Total risk-based capital ratio | 12.6569% | 5,981 |
| Memoranda: | ||
| Average total assets | $197,711,200 | 3,129 |
| Average earning assets | $180,374,400 | 3,117 |
| Average equity | $17,949,200 | 3,430 |
| Average total loans | $154,010,400 | 2,702 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 4,331 |
| Cost of funding earning assets | 1.0270% | 5,819 |
| Net interest margin | 4.0700% | 2,764 |
| Noninterest income to average assets | 0.0775% | 7,148 |
| Noninterest expense to average assets | 2.7771% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0238% | 2,159 |
| Return on assets (ROA) | 1.0259% | 2,256 |
| Pretax return on assets | 1.0259% | 3,086 |
| Return on Equity (ROE) | 11.3145% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.3145% | 556 |
| Net charge-offs to loans | -0.0990% | 7,553 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0639% | 3,510 |
| Assets per employee ($millions) | 5.3793% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 1,821 |
| Loan loss allowance to noncurrent loans | 80.1737% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 3.3924% | 2,099 |
| Noncurrent loans to loans | 2.7370% | 2,903 |
| Net loans and leases to total assets | 78.6913% | 928 |
| Net loans and leases to deposits | 95.5063% | 1,044 |
| Net loans and leases to core deposits | 111.3963% | 963 |
| Total domestic deposits to total assets | 82.3938% | 4,842 |
| Equity capital to assets | 9.8276% | 4,374 |
| Core capital (leverage) ratio | 9.7216% | 3,593 |
| Tier 1 risk-based capital ratio | 11.9064% | 5,548 |
| Total risk-based capital ratio | 13.1675% | 5,514 |
| Memoranda: | ||
| Average total assets | $196,122,500 | 3,190 |
| Average earning assets | $179,422,000 | 3,163 |
| Average equity | $17,782,000 | 3,510 |
| Average total loans | $153,523,250 | 2,753 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 4,597 |
| Cost of funding earning assets | 1.0370% | 5,973 |
| Net interest margin | 4.0360% | 2,851 |
| Noninterest income to average assets | 0.2878% | 5,845 |
| Noninterest expense to average assets | 2.8520% | 4,259 |
| Loan and lease loss provision to assets | 0.1510% | 5,391 |
| Net operating income to assets | 0.9822% | 2,258 |
| Return on assets (ROA) | 0.9812% | 2,345 |
| Pretax return on assets | 0.9812% | 3,196 |
| Return on Equity (ROE) | 11.1164% | 1,711 |
| Retained earnings to average equity (ytd only) | 11.1164% | 631 |
| Net charge-offs to loans | 1.3268% | 1,430 |
| Credit loss provision to net charge-offs | 14.6628% | 5,901 |
| Earnings coverage of net charge-offs (x) | 1.1007% | 4,689 |
| Efficiency ratio | 71.5657% | 3,886 |
| Assets per employee ($millions) | 5.2991% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,560 |
| Loan loss allowance to noncurrent loans | 93.0334% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 2.6923% | 2,688 |
| Noncurrent loans to loans | 1.6927% | 4,149 |
| Net loans and leases to total assets | 76.5671% | 1,378 |
| Net loans and leases to deposits | 93.7257% | 1,315 |
| Net loans and leases to core deposits | 107.6533% | 1,327 |
| Total domestic deposits to total assets | 81.6928% | 5,115 |
| Equity capital to assets | 9.4430% | 4,796 |
| Core capital (leverage) ratio | 9.2060% | 4,291 |
| Tier 1 risk-based capital ratio | 11.4678% | 5,801 |
| Total risk-based capital ratio | 12.7210% | 5,775 |
| Memoranda: | ||
| Average total assets | $198,738,330 | 3,183 |
| Average earning assets | $182,062,000 | 3,172 |
| Average equity | $17,541,670 | 3,539 |
| Average total loans | $154,204,330 | 2,773 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 4,808 |
| Cost of funding earning assets | 1.0252% | 6,249 |
| Net interest margin | 4.0196% | 2,792 |
| Noninterest income to average assets | 0.3315% | 5,491 |
| Noninterest expense to average assets | 2.9005% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1365% | 1,722 |
| Return on assets (ROA) | 1.1365% | 1,796 |
| Pretax return on assets | 1.1365% | 2,601 |
| Return on Equity (ROE) | 13.3137% | 1,189 |
| Retained earnings to average equity (ytd only) | 13.3137% | 581 |
| Net charge-offs to loans | 0.9981% | 1,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.4694% | 3,855 |
| Efficiency ratio | 71.8475% | 3,956 |
| Assets per employee ($millions) | 5.3984% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 2,621 |
| Loan loss allowance to noncurrent loans | 152.8200% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 2.5298% | 2,870 |
| Noncurrent loans to loans | 1.2015% | 4,958 |
| Net loans and leases to total assets | 75.4228% | 1,658 |
| Net loans and leases to deposits | 91.2301% | 1,725 |
| Net loans and leases to core deposits | 105.5755% | 1,613 |
| Total domestic deposits to total assets | 82.6731% | 4,767 |
| Equity capital to assets | 8.8169% | 5,519 |
| Core capital (leverage) ratio | 8.6830% | 5,047 |
| Tier 1 risk-based capital ratio | 10.8213% | 6,325 |
| Total risk-based capital ratio | 12.0771% | 6,296 |
| Memoranda: | ||
| Average total assets | $202,724,500 | 3,184 |
| Average earning assets | $186,883,000 | 3,166 |
| Average equity | $17,305,500 | 3,601 |
| Average total loans | $157,106,000 | 2,789 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 6,793 |
| Cost of funding earning assets | 1.4790% | 5,597 |
| Net interest margin | 3.3872% | 5,417 |
| Noninterest income to average assets | 0.5252% | 4,214 |
| Noninterest expense to average assets | 2.6931% | 5,423 |
| Loan and lease loss provision to assets | 2.0266% | 1,058 |
| Net operating income to assets | -1.0393% | 6,598 |
| Return on assets (ROA) | -1.0361% | 6,597 |
| Pretax return on assets | -1.0361% | 6,431 |
| Return on Equity (ROE) | -12.1782% | 6,778 |
| Retained earnings to average equity (ytd only) | -13.0087% | 6,757 |
| Net charge-offs to loans | 1.9770% | 1,245 |
| Credit loss provision to net charge-offs | 131.9613% | 3,807 |
| Earnings coverage of net charge-offs (x) | 0.6429% | 5,453 |
| Efficiency ratio | 73.1750% | 4,057 |
| Assets per employee ($millions) | 5.2745% | 1,859 |
| Cash dividends to net income (ytd only)* | -6.8192% | 7,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 2,036 |
| Loan loss allowance to noncurrent loans | 146.4416% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 2.6484% | 2,654 |
| Noncurrent loans to loans | 1.3637% | 4,643 |
| Net loans and leases to total assets | 76.5813% | 1,680 |
| Net loans and leases to deposits | 91.9375% | 1,905 |
| Net loans and leases to core deposits | 112.6588% | 2,630 |
| Total domestic deposits to total assets | 83.2971% | 4,384 |
| Equity capital to assets | 8.2642% | 6,255 |
| Core capital (leverage) ratio | 8.0369% | 6,105 |
| Tier 1 risk-based capital ratio | 9.5972% | 7,160 |
| Total risk-based capital ratio | 10.8540% | 7,139 |
| Memoranda: | ||
| Average total assets | $215,139,000 | 3,015 |
| Average earning assets | $200,401,600 | 2,961 |
| Average equity | $18,303,200 | 3,464 |
| Average total loans | $167,122,400 | 2,662 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 6,999 |
| Cost of funding earning assets | 1.5787% | 5,496 |
| Net interest margin | 3.2765% | 5,724 |
| Noninterest income to average assets | 0.5873% | 3,799 |
| Noninterest expense to average assets | 2.7304% | 5,192 |
| Loan and lease loss provision to assets | 2.6728% | 595 |
| Net operating income to assets | -1.7637% | 7,218 |
| Return on assets (ROA) | -1.7594% | 7,218 |
| Pretax return on assets | -1.7594% | 7,072 |
| Return on Equity (ROE) | -20.5409% | 7,392 |
| Retained earnings to average equity (ytd only) | -21.6288% | 7,399 |
| Net charge-offs to loans | 1.4517% | 1,422 |
| Credit loss provision to net charge-offs | 237.3435% | 1,842 |
| Earnings coverage of net charge-offs (x) | 0.8073% | 5,244 |
| Efficiency ratio | 75.0211% | 3,687 |
| Assets per employee ($millions) | 5.4553% | 1,661 |
| Cash dividends to net income (ytd only)* | -5.2961% | 7,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8467% | 751 |
| Loan loss allowance to noncurrent loans | 68.2475% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 3.4530% | 1,935 |
| Noncurrent loans to loans | 4.1712% | 1,736 |
| Net loans and leases to total assets | 76.9982% | 1,785 |
| Net loans and leases to deposits | 93.4510% | 1,975 |
| Net loans and leases to core deposits | 114.3281% | 2,797 |
| Total domestic deposits to total assets | 82.3942% | 4,503 |
| Equity capital to assets | 7.8919% | 6,954 |
| Core capital (leverage) ratio | 7.4627% | 7,020 |
| Tier 1 risk-based capital ratio | 9.2880% | 7,497 |
| Total risk-based capital ratio | 10.5555% | 7,479 |
| Memoranda: | ||
| Average total assets | $217,497,000 | 2,994 |
| Average earning assets | $202,611,000 | 2,953 |
| Average equity | $18,629,000 | 3,429 |
| Average total loans | $168,717,250 | 2,668 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 7,242 |
| Cost of funding earning assets | 1.6892% | 5,325 |
| Net interest margin | 3.1028% | 6,230 |
| Noninterest income to average assets | 0.6791% | 3,122 |
| Noninterest expense to average assets | 2.6981% | 5,391 |
| Loan and lease loss provision to assets | 0.8647% | 1,947 |
| Net operating income to assets | 0.0118% | 5,801 |
| Return on assets (ROA) | 0.0181% | 5,865 |
| Pretax return on assets | 0.0181% | 5,826 |
| Return on Equity (ROE) | 0.2063% | 5,863 |
| Retained earnings to average equity (ytd only) | -1.3619% | 5,583 |
| Net charge-offs to loans | 0.7063% | 2,287 |
| Credit loss provision to net charge-offs | 158.9018% | 2,893 |
| Earnings coverage of net charge-offs (x) | 1.6106% | 4,332 |
| Efficiency ratio | 75.4813% | 3,789 |
| Assets per employee ($millions) | 5.6978% | 1,420 |
| Cash dividends to net income (ytd only)* | 760.0000% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 3,105 |
| Loan loss allowance to noncurrent loans | 42.8352% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 2.7711% | 2,325 |
| Noncurrent loans to loans | 3.5377% | 1,980 |
| Net loans and leases to total assets | 75.2795% | 2,372 |
| Net loans and leases to deposits | 92.1750% | 2,439 |
| Net loans and leases to core deposits | 112.9973% | 3,017 |
| Total domestic deposits to total assets | 81.6703% | 4,823 |
| Equity capital to assets | 8.8792% | 5,481 |
| Core capital (leverage) ratio | 8.3497% | 5,713 |
| Tier 1 risk-based capital ratio | 11.2353% | 5,657 |
| Total risk-based capital ratio | 12.4878% | 5,567 |
| Memoranda: | ||
| Average total assets | $220,895,670 | 2,961 |
| Average earning assets | $206,133,670 | 2,920 |
| Average equity | $19,385,330 | 3,341 |
| Average total loans | $170,191,330 | 2,681 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 7,494 |
| Cost of funding earning assets | 1.7980% | 5,116 |
| Net interest margin | 2.9129% | 6,712 |
| Noninterest income to average assets | 0.5684% | 3,771 |
| Noninterest expense to average assets | 2.6465% | 5,231 |
| Loan and lease loss provision to assets | 0.4034% | 2,906 |
| Net operating income to assets | 0.2403% | 5,527 |
| Return on assets (ROA) | 0.2528% | 5,640 |
| Pretax return on assets | 0.2528% | 5,813 |
| Return on Equity (ROE) | 2.8974% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.8974% | 4,259 |
| Net charge-offs to loans | -0.0046% | 7,172 |
| Credit loss provision to net charge-offs | -11,250.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4360% | 2,757 |
| Assets per employee ($millions) | 5.7316% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 3,736 |
| Loan loss allowance to noncurrent loans | 34.0143% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 3.3150% | 1,649 |
| Noncurrent loans to loans | 3.9965% | 1,509 |
| Net loans and leases to total assets | 79.3256% | 1,512 |
| Net loans and leases to deposits | 97.1748% | 1,778 |
| Net loans and leases to core deposits | 116.7599% | 2,710 |
| Total domestic deposits to total assets | 81.6319% | 4,706 |
| Equity capital to assets | 8.9573% | 5,407 |
| Core capital (leverage) ratio | 8.4036% | 5,711 |
| Tier 1 risk-based capital ratio | 10.7915% | 6,105 |
| Total risk-based capital ratio | 12.0425% | 6,006 |
| Memoranda: | ||
| Average total assets | $223,085,000 | 2,955 |
| Average earning assets | $208,449,500 | 2,902 |
| Average equity | $19,465,500 | 3,351 |
| Average total loans | $172,536,500 | 2,679 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9725% | 5,683 |
| Cost of funding earning assets | 2.4958% | 4,228 |
| Net interest margin | 3.4767% | 5,377 |
| Noninterest income to average assets | 0.2679% | 6,544 |
| Noninterest expense to average assets | 2.7548% | 5,028 |
| Loan and lease loss provision to assets | 0.4361% | 3,109 |
| Net operating income to assets | 0.2034% | 5,838 |
| Return on assets (ROA) | 0.2166% | 5,619 |
| Pretax return on assets | 0.2166% | 5,694 |
| Return on Equity (ROE) | 2.5159% | 5,413 |
| Retained earnings to average equity (ytd only) | -0.6946% | 5,511 |
| Net charge-offs to loans | 0.2079% | 4,122 |
| Credit loss provision to net charge-offs | 268.4058% | 1,722 |
| Earnings coverage of net charge-offs (x) | 3.9362% | 4,175 |
| Efficiency ratio | 81.1598% | 2,419 |
| Assets per employee ($millions) | 6.1721% | 1,052 |
| Cash dividends to net income (ytd only)* | 127.6087% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 4,004 |
| Loan loss allowance to noncurrent loans | 56.2990% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.8658% | 2,640 |
| Noncurrent loans to loans | 2.2516% | 2,445 |
| Net loans and leases to total assets | 73.4627% | 3,245 |
| Net loans and leases to deposits | 89.7336% | 3,499 |
| Net loans and leases to core deposits | 102.0164% | 4,610 |
| Total domestic deposits to total assets | 81.8675% | 4,253 |
| Equity capital to assets | 8.5047% | 6,071 |
| Core capital (leverage) ratio | 7.0072% | 7,690 |
| Tier 1 risk-based capital ratio | 10.8680% | 5,840 |
| Total risk-based capital ratio | 12.0806% | 5,785 |
| Memoranda: | ||
| Average total assets | $212,359,600 | 2,975 |
| Average earning assets | $190,958,600 | 3,025 |
| Average equity | $18,283,800 | 3,509 |
| Average total loans | $165,966,200 | 2,688 |