Home > Summit Community Bank > Performance and Condition Ratios
Summit Community Bank, Performance and Condition Ratios
| 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 | 4.7135% | 1,226 |
| Cost of funding earning assets | 0.4841% | 3,074 |
| Net interest margin | 4.2295% | 1,145 |
| Noninterest income to average assets | 2.8638% | 198 |
| Noninterest expense to average assets | 5.2559% | 274 |
| Loan and lease loss provision to assets | 0.0638% | 2,849 |
| Net operating income to assets | 0.9465% | 2,421 |
| Return on assets (ROA) | 0.9869% | 2,318 |
| Pretax return on assets | 1.5046% | 1,416 |
| Return on Equity (ROE) | 9.2584% | 2,345 |
| Retained earnings to average equity (ytd only) | 1.1244% | 5,153 |
| Net charge-offs to loans | 0.5248% | 705 |
| Credit loss provision to net charge-offs | 14.2857% | 2,568 |
| Earnings coverage of net charge-offs (x) | 3.3771% | 2,692 |
| Efficiency ratio | 77.7149% | 2,513 |
| Assets per employee ($millions) | 2.2326% | 6,499 |
| Cash dividends to net income (ytd only)* | 87.8553% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 4,818 |
| Loan loss allowance to noncurrent loans | 67.0640% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.8650% | 1,853 |
| Noncurrent loans to loans | 1.7303% | 2,238 |
| Net loans and leases to total assets | 83.9884% | 237 |
| Net loans and leases to deposits | 108.4417% | 180 |
| Net loans and leases to core deposits | 112.0983% | 516 |
| Total domestic deposits to total assets | 77.4503% | 5,906 |
| Equity capital to assets | 10.8607% | 2,865 |
| Core capital (leverage) ratio | 10.6463% | 2,766 |
| Tier 1 risk-based capital ratio | 14.0488% | 4,304 |
| Total risk-based capital ratio | 15.2994% | 4,236 |
| Memoranda: | ||
| Average total assets | $156,853,000 | 3,609 |
| Average earning assets | $144,605,000 | 3,614 |
| Average equity | $16,720,000 | 3,590 |
| Average total loans | $133,395,000 | 2,832 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 1,515 |
| Cost of funding earning assets | 0.5568% | 3,053 |
| Net interest margin | 4.1642% | 1,462 |
| Noninterest income to average assets | 4.0657% | 165 |
| Noninterest expense to average assets | 5.9465% | 206 |
| Loan and lease loss provision to assets | 0.1275% | 2,714 |
| Net operating income to assets | 1.1596% | 1,723 |
| Return on assets (ROA) | 1.1596% | 1,778 |
| Pretax return on assets | 1.7956% | 767 |
| Return on Equity (ROE) | 11.5839% | 1,560 |
| Retained earnings to average equity (ytd only) | 8.8882% | 797 |
| Net charge-offs to loans | 0.3590% | 1,881 |
| Credit loss provision to net charge-offs | 42.4431% | 3,985 |
| Earnings coverage of net charge-offs (x) | 6.4037% | 3,072 |
| Efficiency ratio | 75.5629% | 2,849 |
| Assets per employee ($millions) | 2.3479% | 6,492 |
| Cash dividends to net income (ytd only)* | 23.2708% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 4,505 |
| Loan loss allowance to noncurrent loans | 91.3020% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 2,257 |
| Noncurrent loans to loans | 1.3452% | 2,890 |
| Net loans and leases to total assets | 84.0669% | 251 |
| Net loans and leases to deposits | 107.6630% | 214 |
| Net loans and leases to core deposits | 110.6652% | 585 |
| Total domestic deposits to total assets | 78.0834% | 5,817 |
| Equity capital to assets | 10.4657% | 3,208 |
| Core capital (leverage) ratio | 10.2093% | 3,283 |
| Tier 1 risk-based capital ratio | 13.3359% | 4,760 |
| Total risk-based capital ratio | 14.5872% | 4,704 |
| Memoranda: | ||
| Average total assets | $160,834,200 | 3,552 |
| Average earning assets | $146,920,200 | 3,555 |
| Average equity | $16,100,000 | 3,683 |
| Average total loans | $134,530,000 | 2,785 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 1,418 |
| Cost of funding earning assets | 0.5712% | 3,078 |
| Net interest margin | 4.1988% | 1,334 |
| Noninterest income to average assets | 4.3111% | 161 |
| Noninterest expense to average assets | 6.1746% | 187 |
| Loan and lease loss provision to assets | 0.1531% | 2,353 |
| Net operating income to assets | 1.1758% | 1,718 |
| Return on assets (ROA) | 1.1758% | 1,787 |
| Pretax return on assets | 1.8097% | 882 |
| Return on Equity (ROE) | 11.8802% | 1,509 |
| Retained earnings to average equity (ytd only) | 10.3837% | 715 |
| Net charge-offs to loans | 0.3219% | 1,933 |
| Credit loss provision to net charge-offs | 57.0988% | 3,356 |
| Earnings coverage of net charge-offs (x) | 7.3210% | 2,813 |
| Efficiency ratio | 75.8796% | 2,751 |
| Assets per employee ($millions) | 2.2364% | 6,624 |
| Cash dividends to net income (ytd only)* | 12.5967% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 4,072 |
| Loan loss allowance to noncurrent loans | 92.5281% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 1,977 |
| Noncurrent loans to loans | 1.4715% | 2,960 |
| Net loans and leases to total assets | 81.3432% | 420 |
| Net loans and leases to deposits | 103.8057% | 303 |
| Net loans and leases to core deposits | 107.3130% | 693 |
| Total domestic deposits to total assets | 78.3610% | 5,848 |
| Equity capital to assets | 10.2674% | 3,552 |
| Core capital (leverage) ratio | 10.0964% | 3,525 |
| Tier 1 risk-based capital ratio | 13.2091% | 4,979 |
| Total risk-based capital ratio | 14.4361% | 4,934 |
| Memoranda: | ||
| Average total assets | $161,129,000 | 3,581 |
| Average earning assets | $146,830,250 | 3,594 |
| Average equity | $15,947,750 | 3,749 |
| Average total loans | $134,191,000 | 2,799 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 1,404 |
| Cost of funding earning assets | 0.5877% | 3,053 |
| Net interest margin | 4.1791% | 1,336 |
| Noninterest income to average assets | 4.4613% | 165 |
| Noninterest expense to average assets | 6.2533% | 189 |
| Loan and lease loss provision to assets | 0.1861% | 2,027 |
| Net operating income to assets | 1.1864% | 1,629 |
| Return on assets (ROA) | 1.1864% | 1,738 |
| Pretax return on assets | 1.8255% | 880 |
| Return on Equity (ROE) | 12.1376% | 1,447 |
| Retained earnings to average equity (ytd only) | 10.2967% | 785 |
| Net charge-offs to loans | 0.4025% | 1,605 |
| Credit loss provision to net charge-offs | 55.3506% | 3,117 |
| Earnings coverage of net charge-offs (x) | 5.9815% | 2,792 |
| Efficiency ratio | 75.6607% | 2,837 |
| Assets per employee ($millions) | 2.2294% | 6,667 |
| Cash dividends to net income (ytd only)* | 15.1674% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 4,302 |
| Loan loss allowance to noncurrent loans | 90.0839% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.0898% | 2,069 |
| Noncurrent loans to loans | 1.4906% | 3,072 |
| Net loans and leases to total assets | 82.4373% | 329 |
| Net loans and leases to deposits | 106.9975% | 198 |
| Net loans and leases to core deposits | 109.7494% | 572 |
| Total domestic deposits to total assets | 77.0460% | 6,120 |
| Equity capital to assets | 9.9033% | 4,050 |
| Core capital (leverage) ratio | 9.8726% | 3,683 |
| Tier 1 risk-based capital ratio | 13.0988% | 5,071 |
| Total risk-based capital ratio | 14.3519% | 5,015 |
| Memoranda: | ||
| Average total assets | $161,164,000 | 3,589 |
| Average earning assets | $146,683,670 | 3,616 |
| Average equity | $15,752,670 | 3,811 |
| Average total loans | $134,658,000 | 2,790 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 1,261 |
| Cost of funding earning assets | 0.5981% | 3,126 |
| Net interest margin | 4.2143% | 1,154 |
| Noninterest income to average assets | 4.2974% | 178 |
| Noninterest expense to average assets | 6.3776% | 184 |
| Loan and lease loss provision to assets | 0.1871% | 1,969 |
| Net operating income to assets | 1.0251% | 2,127 |
| Return on assets (ROA) | 1.0251% | 2,241 |
| Pretax return on assets | 1.5638% | 1,397 |
| Return on Equity (ROE) | 10.5584% | 1,853 |
| Retained earnings to average equity (ytd only) | 9.1455% | 1,335 |
| Net charge-offs to loans | 0.1702% | 2,384 |
| Credit loss provision to net charge-offs | 131.5789% | 1,503 |
| Earnings coverage of net charge-offs (x) | 12.3158% | 1,605 |
| Efficiency ratio | 78.4597% | 2,543 |
| Assets per employee ($millions) | 2.2232% | 6,754 |
| Cash dividends to net income (ytd only)* | 13.3820% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 3,920 |
| Loan loss allowance to noncurrent loans | 79.2978% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 2.3965% | 1,939 |
| Noncurrent loans to loans | 1.8576% | 2,789 |
| Net loans and leases to total assets | 82.1119% | 276 |
| Net loans and leases to deposits | 109.8120% | 130 |
| Net loans and leases to core deposits | 113.0566% | 412 |
| Total domestic deposits to total assets | 74.7749% | 6,477 |
| Equity capital to assets | 9.8384% | 4,372 |
| Core capital (leverage) ratio | 9.7685% | 3,701 |
| Tier 1 risk-based capital ratio | 12.8596% | 5,331 |
| Total risk-based capital ratio | 14.1147% | 5,271 |
| Memoranda: | ||
| Average total assets | $160,374,500 | 3,637 |
| Average earning assets | $145,788,500 | 3,665 |
| Average equity | $15,570,500 | 3,895 |
| Average total loans | $133,993,500 | 2,819 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 2,273 |
| Cost of funding earning assets | 0.7425% | 3,138 |
| Net interest margin | 4.0371% | 2,248 |
| Noninterest income to average assets | 4.2202% | 174 |
| Noninterest expense to average assets | 6.1170% | 213 |
| Loan and lease loss provision to assets | 0.4328% | 1,472 |
| Net operating income to assets | 0.8983% | 2,827 |
| Return on assets (ROA) | 0.9132% | 2,987 |
| Pretax return on assets | 1.3534% | 2,196 |
| Return on Equity (ROE) | 10.0498% | 2,149 |
| Retained earnings to average equity (ytd only) | 8.4984% | 965 |
| Net charge-offs to loans | 0.3741% | 2,763 |
| Credit loss provision to net charge-offs | 144.9275% | 1,886 |
| Earnings coverage of net charge-offs (x) | 5.9068% | 2,916 |
| Efficiency ratio | 77.6183% | 2,508 |
| Assets per employee ($millions) | 2.2631% | 6,796 |
| Cash dividends to net income (ytd only)* | 15.4367% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 3,958 |
| Loan loss allowance to noncurrent loans | 98.8827% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.9822% | 2,473 |
| Noncurrent loans to loans | 1.4630% | 3,403 |
| Net loans and leases to total assets | 82.5488% | 297 |
| Net loans and leases to deposits | 113.0235% | 125 |
| Net loans and leases to core deposits | 116.1663% | 354 |
| Total domestic deposits to total assets | 73.0368% | 6,619 |
| Equity capital to assets | 9.5798% | 4,780 |
| Core capital (leverage) ratio | 9.3828% | 4,280 |
| Tier 1 risk-based capital ratio | 12.6312% | 5,380 |
| Total risk-based capital ratio | 13.8856% | 5,321 |
| Memoranda: | ||
| Average total assets | $161,745,000 | 3,591 |
| Average earning assets | $146,663,600 | 3,614 |
| Average equity | $14,696,800 | 4,026 |
| Average total loans | $129,116,800 | 2,900 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 2,610 |
| Cost of funding earning assets | 0.7663% | 3,225 |
| Net interest margin | 3.9770% | 2,595 |
| Noninterest income to average assets | 3.9642% | 184 |
| Noninterest expense to average assets | 5.9402% | 217 |
| Loan and lease loss provision to assets | 0.3950% | 1,624 |
| Net operating income to assets | 0.8295% | 3,308 |
| Return on assets (ROA) | 0.8493% | 3,470 |
| Pretax return on assets | 1.2591% | 2,753 |
| Return on Equity (ROE) | 9.4746% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.8862% | 1,667 |
| Net charge-offs to loans | 0.3705% | 2,617 |
| Credit loss provision to net charge-offs | 135.2113% | 2,132 |
| Earnings coverage of net charge-offs (x) | 5.5606% | 2,991 |
| Efficiency ratio | 78.5248% | 2,311 |
| Assets per employee ($millions) | 2.4436% | 6,746 |
| Cash dividends to net income (ytd only)* | 16.7634% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,632 |
| Loan loss allowance to noncurrent loans | 78.1711% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.9746% | 2,684 |
| Noncurrent loans to loans | 1.7140% | 3,215 |
| Net loans and leases to total assets | 82.2060% | 326 |
| Net loans and leases to deposits | 108.5017% | 183 |
| Net loans and leases to core deposits | 111.8466% | 503 |
| Total domestic deposits to total assets | 75.7648% | 6,419 |
| Equity capital to assets | 9.0369% | 5,793 |
| Core capital (leverage) ratio | 9.1568% | 4,821 |
| Tier 1 risk-based capital ratio | 13.0124% | 5,242 |
| Total risk-based capital ratio | 14.2734% | 5,189 |
| Memoranda: | ||
| Average total assets | $162,010,750 | 3,616 |
| Average earning assets | $146,673,250 | 3,648 |
| Average equity | $14,522,750 | 4,099 |
| Average total loans | $127,749,000 | 2,960 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 2,968 |
| Cost of funding earning assets | 0.7945% | 3,232 |
| Net interest margin | 3.8925% | 2,943 |
| Noninterest income to average assets | 3.6594% | 199 |
| Noninterest expense to average assets | 5.8135% | 238 |
| Loan and lease loss provision to assets | 0.3113% | 2,120 |
| Net operating income to assets | 0.7088% | 3,827 |
| Return on assets (ROA) | 0.7247% | 4,006 |
| Pretax return on assets | 1.0783% | 3,383 |
| Return on Equity (ROE) | 8.1068% | 3,209 |
| Retained earnings to average equity (ytd only) | 6.5049% | 2,380 |
| Net charge-offs to loans | 0.4638% | 2,213 |
| Credit loss provision to net charge-offs | 86.8056% | 3,135 |
| Earnings coverage of net charge-offs (x) | 3.8090% | 3,260 |
| Efficiency ratio | 80.9747% | 2,030 |
| Assets per employee ($millions) | 2.3348% | 6,880 |
| Cash dividends to net income (ytd only)* | 19.7595% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,913 |
| Loan loss allowance to noncurrent loans | 74.3083% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.3507% | 2,376 |
| Noncurrent loans to loans | 1.7426% | 3,289 |
| Net loans and leases to total assets | 80.0579% | 505 |
| Net loans and leases to deposits | 103.2040% | 302 |
| Net loans and leases to core deposits | 106.3221% | 728 |
| Total domestic deposits to total assets | 77.5725% | 6,236 |
| Equity capital to assets | 9.0738% | 5,614 |
| Core capital (leverage) ratio | 9.1889% | 4,626 |
| Tier 1 risk-based capital ratio | 13.2668% | 4,989 |
| Total risk-based capital ratio | 14.5204% | 4,954 |
| Memoranda: | ||
| Average total assets | $160,626,670 | 3,652 |
| Average earning assets | $145,252,670 | 3,691 |
| Average equity | $14,358,330 | 4,123 |
| Average total loans | $124,181,670 | 3,043 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 3,246 |
| Cost of funding earning assets | 0.8383% | 3,164 |
| Net interest margin | 3.8151% | 3,318 |
| Noninterest income to average assets | 2.9902% | 242 |
| Noninterest expense to average assets | 5.2248% | 322 |
| Loan and lease loss provision to assets | 0.3990% | 1,584 |
| Net operating income to assets | 0.5489% | 4,603 |
| Return on assets (ROA) | 0.5811% | 4,661 |
| Pretax return on assets | 0.8529% | 4,219 |
| Return on Equity (ROE) | 6.5502% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.0040% | 3,555 |
| Net charge-offs to loans | 0.4994% | 1,841 |
| Credit loss provision to net charge-offs | 105.9603% | 2,184 |
| Earnings coverage of net charge-offs (x) | 3.1987% | 2,923 |
| Efficiency ratio | 81.2645% | 2,047 |
| Assets per employee ($millions) | 2.4763% | 6,866 |
| Cash dividends to net income (ytd only)* | 23.6052% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 4,260 |
| Loan loss allowance to noncurrent loans | 74.9246% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 2.4401% | 2,420 |
| Noncurrent loans to loans | 1.9742% | 3,194 |
| Net loans and leases to total assets | 70.8680% | 1,599 |
| Net loans and leases to deposits | 88.0659% | 1,154 |
| Net loans and leases to core deposits | 93.9155% | 1,475 |
| Total domestic deposits to total assets | 80.4716% | 5,730 |
| Equity capital to assets | 8.7501% | 5,807 |
| Core capital (leverage) ratio | 8.9098% | 4,981 |
| Tier 1 risk-based capital ratio | 12.8969% | 5,286 |
| Total risk-based capital ratio | 14.1465% | 5,263 |
| Memoranda: | ||
| Average total assets | $160,389,500 | 3,675 |
| Average earning assets | $144,584,000 | 3,729 |
| Average equity | $14,228,500 | 4,155 |
| Average total loans | $120,939,500 | 3,134 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 2,643 |
| Cost of funding earning assets | 1.1804% | 2,161 |
| Net interest margin | 3.8717% | 3,467 |
| Noninterest income to average assets | 2.2597% | 315 |
| Noninterest expense to average assets | 4.9180% | 400 |
| Loan and lease loss provision to assets | 0.2558% | 3,648 |
| Net operating income to assets | 0.3857% | 4,924 |
| Return on assets (ROA) | 0.3844% | 5,099 |
| Pretax return on assets | 0.5686% | 4,787 |
| Return on Equity (ROE) | 4.3768% | 4,689 |
| Retained earnings to average equity (ytd only) | 3.8889% | 3,445 |
| Net charge-offs to loans | 0.3944% | 3,438 |
| Credit loss provision to net charge-offs | 83.6820% | 4,291 |
| Earnings coverage of net charge-offs (x) | 2.7029% | 3,860 |
| Efficiency ratio | 85.6141% | 1,603 |
| Assets per employee ($millions) | 2.4206% | 6,900 |
| Cash dividends to net income (ytd only)* | 11.1481% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,506 |
| Loan loss allowance to noncurrent loans | 95.2093% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.2734% | 2,652 |
| Noncurrent loans to loans | 1.4608% | 3,969 |
| Net loans and leases to total assets | 77.9109% | 719 |
| Net loans and leases to deposits | 97.6462% | 580 |
| Net loans and leases to core deposits | 104.2310% | 890 |
| Total domestic deposits to total assets | 79.7890% | 5,801 |
| Equity capital to assets | 8.9971% | 5,552 |
| Core capital (leverage) ratio | 8.8007% | 5,103 |
| Tier 1 risk-based capital ratio | 12.4169% | 5,519 |
| Total risk-based capital ratio | 13.6707% | 5,491 |
| Memoranda: | ||
| Average total assets | $156,345,600 | 3,691 |
| Average earning assets | $140,715,000 | 3,729 |
| Average equity | $13,731,400 | 4,180 |
| Average total loans | $121,191,000 | 3,154 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 2,930 |
| Cost of funding earning assets | 1.2438% | 2,035 |
| Net interest margin | 3.7882% | 3,937 |
| Noninterest income to average assets | 2.2883% | 307 |
| Noninterest expense to average assets | 5.0156% | 364 |
| Loan and lease loss provision to assets | 0.2990% | 3,137 |
| Net operating income to assets | 0.2674% | 5,520 |
| Return on assets (ROA) | 0.2656% | 5,678 |
| Pretax return on assets | 0.3844% | 5,518 |
| Return on Equity (ROE) | 3.0433% | 5,394 |
| Retained earnings to average equity (ytd only) | 3.0433% | 4,512 |
| Net charge-offs to loans | 0.2303% | 3,993 |
| Credit loss provision to net charge-offs | 168.2692% | 1,795 |
| Earnings coverage of net charge-offs (x) | 3.8605% | 3,269 |
| Efficiency ratio | 87.9700% | 1,347 |
| Assets per employee ($millions) | 2.3894% | 6,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 3,660 |
| Loan loss allowance to noncurrent loans | 68.7236% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 3.2472% | 1,960 |
| Noncurrent loans to loans | 2.3294% | 2,975 |
| Net loans and leases to total assets | 75.9643% | 980 |
| Net loans and leases to deposits | 94.2571% | 811 |
| Net loans and leases to core deposits | 101.6443% | 1,110 |
| Total domestic deposits to total assets | 80.5926% | 5,570 |
| Equity capital to assets | 8.8540% | 5,913 |
| Core capital (leverage) ratio | 8.7555% | 5,327 |
| Tier 1 risk-based capital ratio | 12.3766% | 5,601 |
| Total risk-based capital ratio | 13.6328% | 5,583 |
| Memoranda: | ||
| Average total assets | $156,097,000 | 3,726 |
| Average earning assets | $140,643,500 | 3,754 |
| Average equity | $13,625,250 | 4,208 |
| Average total loans | $120,410,250 | 3,186 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0348% | 2,995 |
| Cost of funding earning assets | 1.3145% | 1,854 |
| Net interest margin | 3.7203% | 4,174 |
| Noninterest income to average assets | 1.8552% | 400 |
| Noninterest expense to average assets | 4.6117% | 529 |
| Loan and lease loss provision to assets | 0.4500% | 2,169 |
| Net operating income to assets | 0.1259% | 5,944 |
| Return on assets (ROA) | 0.1016% | 6,091 |
| Pretax return on assets | 0.1286% | 6,051 |
| Return on Equity (ROE) | 1.1693% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.1693% | 5,393 |
| Net charge-offs to loans | 0.3901% | 3,001 |
| Credit loss provision to net charge-offs | 149.5726% | 2,049 |
| Earnings coverage of net charge-offs (x) | 2.0256% | 3,847 |
| Efficiency ratio | 88.3280% | 1,381 |
| Assets per employee ($millions) | 2.4357% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,681 |
| Loan loss allowance to noncurrent loans | 86.7388% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 3.0180% | 2,226 |
| Noncurrent loans to loans | 1.8486% | 3,682 |
| Net loans and leases to total assets | 74.5361% | 1,318 |
| Net loans and leases to deposits | 92.2793% | 1,022 |
| Net loans and leases to core deposits | 101.6085% | 1,201 |
| Total domestic deposits to total assets | 80.7722% | 5,604 |
| Equity capital to assets | 8.6238% | 6,033 |
| Core capital (leverage) ratio | 8.6012% | 5,407 |
| Tier 1 risk-based capital ratio | 11.9141% | 5,854 |
| Total risk-based capital ratio | 13.1675% | 5,825 |
| Memoranda: | ||
| Average total assets | $155,561,670 | 3,756 |
| Average earning assets | $140,740,670 | 3,783 |
| Average equity | $13,512,670 | 4,222 |
| Average total loans | $119,964,670 | 3,232 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 2,793 |
| Cost of funding earning assets | 1.4014% | 1,602 |
| Net interest margin | 3.6647% | 4,264 |
| Noninterest income to average assets | 1.6214% | 508 |
| Noninterest expense to average assets | 4.5893% | 542 |
| Loan and lease loss provision to assets | 0.5189% | 1,674 |
| Net operating income to assets | -0.0832% | 6,444 |
| Return on assets (ROA) | -0.0882% | 6,465 |
| Pretax return on assets | -0.1634% | 6,511 |
| Return on Equity (ROE) | -1.0117% | 6,487 |
| Retained earnings to average equity (ytd only) | -1.0117% | 5,991 |
| Net charge-offs to loans | 0.4701% | 2,295 |
| Credit loss provision to net charge-offs | 141.8440% | 1,985 |
| Earnings coverage of net charge-offs (x) | 0.9929% | 3,915 |
| Efficiency ratio | 92.6663% | 1,120 |
| Assets per employee ($millions) | 2.3549% | 7,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,780 |
| Loan loss allowance to noncurrent loans | 74.4910% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 3.1124% | 2,216 |
| Noncurrent loans to loans | 2.1329% | 3,398 |
| Net loans and leases to total assets | 75.5099% | 1,106 |
| Net loans and leases to deposits | 96.5492% | 657 |
| Net loans and leases to core deposits | 108.5085% | 815 |
| Total domestic deposits to total assets | 78.2087% | 6,349 |
| Equity capital to assets | 8.7753% | 5,536 |
| Core capital (leverage) ratio | 8.6336% | 5,201 |
| Tier 1 risk-based capital ratio | 11.5796% | 6,039 |
| Total risk-based capital ratio | 12.8343% | 6,025 |
| Memoranda: | ||
| Average total assets | $154,183,500 | 3,807 |
| Average earning assets | $140,148,500 | 3,816 |
| Average equity | $13,442,500 | 4,232 |
| Average total loans | $119,983,500 | 3,257 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4572% | 2,447 |
| Cost of funding earning assets | 1.9493% | 725 |
| Net interest margin | 3.5078% | 5,219 |
| Noninterest income to average assets | 3.5690% | 190 |
| Noninterest expense to average assets | 5.2258% | 359 |
| Loan and lease loss provision to assets | 1.2245% | 1,277 |
| Net operating income to assets | 0.2326% | 5,171 |
| Return on assets (ROA) | 0.2395% | 5,292 |
| Pretax return on assets | 0.3296% | 5,148 |
| Return on Equity (ROE) | 2.8466% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.8466% | 3,853 |
| Net charge-offs to loans | 1.0198% | 2,155 |
| Credit loss provision to net charge-offs | 142.9728% | 2,616 |
| Earnings coverage of net charge-offs (x) | 1.8035% | 4,364 |
| Efficiency ratio | 77.1851% | 2,841 |
| Assets per employee ($millions) | 2.3179% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,155 |
| Loan loss allowance to noncurrent loans | 89.1905% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 2.7115% | 2,573 |
| Noncurrent loans to loans | 1.6536% | 4,025 |
| Net loans and leases to total assets | 77.7291% | 984 |
| Net loans and leases to deposits | 103.0616% | 442 |
| Net loans and leases to core deposits | 114.2000% | 722 |
| Total domestic deposits to total assets | 75.4200% | 6,708 |
| Equity capital to assets | 8.6625% | 5,637 |
| Core capital (leverage) ratio | 8.1771% | 5,864 |
| Tier 1 risk-based capital ratio | 11.5955% | 5,826 |
| Total risk-based capital ratio | 12.8498% | 5,833 |
| Memoranda: | ||
| Average total assets | $158,673,000 | 3,725 |
| Average earning assets | $144,818,600 | 3,728 |
| Average equity | $13,349,200 | 4,299 |
| Average total loans | $133,256,000 | 3,064 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4967% | 2,441 |
| Cost of funding earning assets | 2.0315% | 684 |
| Net interest margin | 3.4652% | 5,432 |
| Noninterest income to average assets | 3.3918% | 193 |
| Noninterest expense to average assets | 5.0117% | 378 |
| Loan and lease loss provision to assets | 1.2479% | 1,128 |
| Net operating income to assets | 0.2164% | 5,459 |
| Return on assets (ROA) | 0.2257% | 5,590 |
| Pretax return on assets | 0.3042% | 5,499 |
| Return on Equity (ROE) | 2.7020% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.7020% | 4,536 |
| Net charge-offs to loans | 1.3005% | 1,565 |
| Credit loss provision to net charge-offs | 112.5943% | 3,742 |
| Earnings coverage of net charge-offs (x) | 1.3891% | 4,694 |
| Efficiency ratio | 76.4991% | 2,858 |
| Assets per employee ($millions) | 2.5120% | 7,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 6,148 |
| Loan loss allowance to noncurrent loans | 79.1121% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 2.2110% | 3,183 |
| Noncurrent loans to loans | 1.3309% | 4,638 |
| Net loans and leases to total assets | 79.9998% | 750 |
| Net loans and leases to deposits | 104.5553% | 409 |
| Net loans and leases to core deposits | 119.4837% | 631 |
| Total domestic deposits to total assets | 76.5143% | 6,567 |
| Equity capital to assets | 8.2356% | 6,571 |
| Core capital (leverage) ratio | 8.3028% | 5,867 |
| Tier 1 risk-based capital ratio | 10.9532% | 6,417 |
| Total risk-based capital ratio | 12.1215% | 6,466 |
| Memoranda: | ||
| Average total assets | $159,516,000 | 3,764 |
| Average earning assets | $145,440,500 | 3,758 |
| Average equity | $13,323,250 | 4,366 |
| Average total loans | $135,939,750 | 3,054 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5405% | 2,368 |
| Cost of funding earning assets | 2.1738% | 508 |
| Net interest margin | 3.3667% | 5,769 |
| Noninterest income to average assets | 3.3830% | 197 |
| Noninterest expense to average assets | 4.8514% | 417 |
| Loan and lease loss provision to assets | 1.0742% | 1,343 |
| Net operating income to assets | 0.3684% | 4,899 |
| Return on assets (ROA) | 0.3816% | 5,005 |
| Pretax return on assets | 0.5472% | 4,748 |
| Return on Equity (ROE) | 4.5475% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.5475% | 3,180 |
| Net charge-offs to loans | 0.9049% | 2,024 |
| Credit loss provision to net charge-offs | 136.8760% | 2,931 |
| Earnings coverage of net charge-offs (x) | 2.0419% | 4,004 |
| Efficiency ratio | 75.1713% | 3,231 |
| Assets per employee ($millions) | 2.5016% | 7,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 6,105 |
| Loan loss allowance to noncurrent loans | 64.6483% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.9169% | 2,465 |
| Noncurrent loans to loans | 1.6476% | 4,238 |
| Net loans and leases to total assets | 85.5731% | 252 |
| Net loans and leases to deposits | 114.2276% | 204 |
| Net loans and leases to core deposits | 138.1492% | 304 |
| Total domestic deposits to total assets | 74.9145% | 6,866 |
| Equity capital to assets | 8.5336% | 6,124 |
| Core capital (leverage) ratio | 8.2345% | 5,886 |
| Tier 1 risk-based capital ratio | 10.8255% | 6,426 |
| Total risk-based capital ratio | 12.0321% | 6,447 |
| Memoranda: | ||
| Average total assets | $158,262,000 | 3,825 |
| Average earning assets | $144,354,000 | 3,810 |
| Average equity | $13,282,000 | 4,377 |
| Average total loans | $137,249,000 | 3,062 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4900% | 2,635 |
| Cost of funding earning assets | 2.2147% | 565 |
| Net interest margin | 3.2753% | 6,060 |
| Noninterest income to average assets | 2.8829% | 219 |
| Noninterest expense to average assets | 4.7089% | 473 |
| Loan and lease loss provision to assets | 0.8828% | 1,443 |
| Net operating income to assets | 0.2104% | 5,644 |
| Return on assets (ROA) | 0.2270% | 5,711 |
| Pretax return on assets | 0.3128% | 5,562 |
| Return on Equity (ROE) | 2.7276% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.7276% | 4,498 |
| Net charge-offs to loans | 0.7436% | 2,021 |
| Credit loss provision to net charge-offs | 136.7188% | 2,580 |
| Earnings coverage of net charge-offs (x) | 1.8164% | 3,642 |
| Efficiency ratio | 80.0600% | 2,556 |
| Assets per employee ($millions) | 2.3991% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,560 |
| Loan loss allowance to noncurrent loans | 50.8494% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.2243% | 3,245 |
| Noncurrent loans to loans | 1.9258% | 3,895 |
| Net loans and leases to total assets | 84.1063% | 361 |
| Net loans and leases to deposits | 112.1608% | 249 |
| Net loans and leases to core deposits | 137.0149% | 369 |
| Total domestic deposits to total assets | 74.9872% | 6,903 |
| Equity capital to assets | 8.3599% | 6,212 |
| Core capital (leverage) ratio | 8.1293% | 6,024 |
| Tier 1 risk-based capital ratio | 10.7366% | 6,402 |
| Total risk-based capital ratio | 11.8419% | 6,543 |
| Memoranda: | ||
| Average total assets | $158,592,500 | 3,870 |
| Average earning assets | $145,209,000 | 3,846 |
| Average equity | $13,198,500 | 4,433 |
| Average total loans | $137,715,500 | 3,112 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5661% | 3,778 |
| Cost of funding earning assets | 2.9036% | 304 |
| Net interest margin | 2.6625% | 7,259 |
| Noninterest income to average assets | 1.9861% | 380 |
| Noninterest expense to average assets | 3.5714% | 2,216 |
| Loan and lease loss provision to assets | 0.9466% | 2,382 |
| Net operating income to assets | -0.0017% | 5,488 |
| Return on assets (ROA) | 0.0089% | 5,508 |
| Pretax return on assets | -0.0379% | 5,504 |
| Return on Equity (ROE) | 0.1142% | 5,501 |
| Retained earnings to average equity (ytd only) | 0.1142% | 4,837 |
| Net charge-offs to loans | 1.2142% | 2,026 |
| Credit loss provision to net charge-offs | 88.7347% | 6,049 |
| Earnings coverage of net charge-offs (x) | 0.8363% | 5,270 |
| Efficiency ratio | 80.0133% | 2,890 |
| Assets per employee ($millions) | 2.5214% | 7,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 6,930 |
| Loan loss allowance to noncurrent loans | 59.3113% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 4,392 |
| Noncurrent loans to loans | 1.4630% | 4,476 |
| Net loans and leases to total assets | 87.9581% | 174 |
| Net loans and leases to deposits | 125.0956% | 121 |
| Net loans and leases to core deposits | 170.3608% | 232 |
| Total domestic deposits to total assets | 70.3128% | 7,398 |
| Equity capital to assets | 8.2848% | 6,219 |
| Core capital (leverage) ratio | 7.7902% | 6,464 |
| Tier 1 risk-based capital ratio | 10.3159% | 6,571 |
| Total risk-based capital ratio | 11.3117% | 6,784 |
| Memoranda: | ||
| Average total assets | $168,924,800 | 3,632 |
| Average earning assets | $157,183,000 | 3,577 |
| Average equity | $13,135,600 | 4,483 |
| Average total loans | $148,405,800 | 2,945 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5434% | 4,193 |
| Cost of funding earning assets | 3.0164% | 316 |
| Net interest margin | 2.5270% | 7,432 |
| Noninterest income to average assets | 1.3975% | 778 |
| Noninterest expense to average assets | 3.2313% | 3,186 |
| Loan and lease loss provision to assets | 0.8399% | 2,280 |
| Net operating income to assets | -0.1907% | 6,045 |
| Return on assets (ROA) | -0.1773% | 6,039 |
| Pretax return on assets | -0.2955% | 6,095 |
| Return on Equity (ROE) | -2.3153% | 6,139 |
| Retained earnings to average equity (ytd only) | -2.3153% | 5,780 |
| Net charge-offs to loans | 1.0780% | 1,848 |
| Credit loss provision to net charge-offs | 88.8889% | 5,513 |
| Earnings coverage of net charge-offs (x) | 0.5539% | 5,476 |
| Efficiency ratio | 86.0605% | 2,063 |
| Assets per employee ($millions) | 2.5601% | 7,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,767 |
| Loan loss allowance to noncurrent loans | 64.9723% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.2505% | 4,563 |
| Noncurrent loans to loans | 1.3789% | 4,609 |
| Net loans and leases to total assets | 84.5170% | 482 |
| Net loans and leases to deposits | 114.9438% | 292 |
| Net loans and leases to core deposits | 159.4411% | 391 |
| Total domestic deposits to total assets | 73.5290% | 7,023 |
| Equity capital to assets | 7.6542% | 7,190 |
| Core capital (leverage) ratio | 7.3549% | 7,129 |
| Tier 1 risk-based capital ratio | 10.1112% | 6,870 |
| Total risk-based capital ratio | 11.1630% | 7,009 |
| Memoranda: | ||
| Average total assets | $171,444,500 | 3,602 |
| Average earning assets | $159,920,750 | 3,552 |
| Average equity | $13,129,500 | 4,505 |
| Average total loans | $150,272,000 | 2,947 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 4,603 |
| Cost of funding earning assets | 3.1358% | 316 |
| Net interest margin | 2.3680% | 7,605 |
| Noninterest income to average assets | 0.8754% | 2,076 |
| Noninterest expense to average assets | 2.6865% | 5,437 |
| Loan and lease loss provision to assets | 0.2902% | 4,252 |
| Net operating income to assets | 0.0879% | 5,598 |
| Return on assets (ROA) | 0.0964% | 5,671 |
| Pretax return on assets | 0.1184% | 5,633 |
| Return on Equity (ROE) | 1.2581% | 5,554 |
| Retained earnings to average equity (ytd only) | 1.2581% | 4,648 |
| Net charge-offs to loans | 0.1195% | 4,967 |
| Credit loss provision to net charge-offs | 274.7253% | 1,706 |
| Earnings coverage of net charge-offs (x) | 3.7692% | 3,314 |
| Efficiency ratio | 87.0907% | 2,118 |
| Assets per employee ($millions) | 2.5568% | 7,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 6,106 |
| Loan loss allowance to noncurrent loans | 83.2458% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 4,512 |
| Noncurrent loans to loans | 1.2205% | 4,767 |
| Net loans and leases to total assets | 88.8146% | 199 |
| Net loans and leases to deposits | 129.8745% | 122 |
| Net loans and leases to core deposits | 178.9217% | 230 |
| Total domestic deposits to total assets | 68.3849% | 7,597 |
| Equity capital to assets | 7.5998% | 7,178 |
| Core capital (leverage) ratio | 7.3259% | 7,216 |
| Tier 1 risk-based capital ratio | 9.8684% | 7,071 |
| Total risk-based capital ratio | 11.0969% | 7,019 |
| Memoranda: | ||
| Average total assets | $172,270,670 | 3,598 |
| Average earning assets | $160,724,670 | 3,551 |
| Average equity | $13,195,000 | 4,494 |
| Average total loans | $152,330,670 | 2,936 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4568% | 5,133 |
| Cost of funding earning assets | 3.2310% | 313 |
| Net interest margin | 2.2257% | 7,773 |
| Noninterest income to average assets | 0.5342% | 4,032 |
| Noninterest expense to average assets | 2.1694% | 6,950 |
| Loan and lease loss provision to assets | 0.2846% | 3,682 |
| Net operating income to assets | 0.1200% | 5,920 |
| Return on assets (ROA) | 0.1236% | 6,073 |
| Pretax return on assets | 0.1610% | 6,028 |
| Return on Equity (ROE) | 1.6078% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.6078% | 4,947 |
| Net charge-offs to loans | 0.0851% | 4,316 |
| Credit loss provision to net charge-offs | 381.2500% | 1,350 |
| Earnings coverage of net charge-offs (x) | 5.9063% | 2,585 |
| Efficiency ratio | 83.1099% | 2,400 |
| Assets per employee ($millions) | 6.6407% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,060 |
| Loan loss allowance to noncurrent loans | 153.9086% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 5,363 |
| Noncurrent loans to loans | 0.6609% | 5,749 |
| Net loans and leases to total assets | 85.4401% | 505 |
| Net loans and leases to deposits | 127.2854% | 172 |
| Net loans and leases to core deposits | 169.9461% | 346 |
| Total domestic deposits to total assets | 67.1248% | 7,663 |
| Equity capital to assets | 7.6486% | 7,222 |
| Core capital (leverage) ratio | 7.5043% | 7,160 |
| Tier 1 risk-based capital ratio | 10.0283% | 6,884 |
| Total risk-based capital ratio | 11.2118% | 6,872 |
| Memoranda: | ||
| Average total assets | $171,476,000 | 3,628 |
| Average earning assets | $159,948,500 | 3,573 |
| Average equity | $13,186,000 | 4,538 |
| Average total loans | $150,497,000 | 2,999 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9538% | 5,790 |
| Cost of funding earning assets | 3.8563% | 163 |
| Net interest margin | 2.0975% | 8,017 |
| Noninterest income to average assets | 0.2401% | 6,727 |
| Noninterest expense to average assets | 1.8960% | 7,620 |
| Loan and lease loss provision to assets | 0.2201% | 4,683 |
| Net operating income to assets | 0.0734% | 6,172 |
| Return on assets (ROA) | 0.0734% | 6,023 |
| Pretax return on assets | 0.0806% | 5,987 |
| Return on Equity (ROE) | 0.9942% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.9942% | 4,631 |
| Net charge-offs to loans | 0.1802% | 4,394 |
| Credit loss provision to net charge-offs | 135.9551% | 3,921 |
| Earnings coverage of net charge-offs (x) | 1.8577% | 5,140 |
| Efficiency ratio | 86.3097% | 1,824 |
| Assets per employee ($millions) | 6.5497% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,455 |
| Loan loss allowance to noncurrent loans | 666.3551% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 6,621 |
| Noncurrent loans to loans | 0.1408% | 6,989 |
| Net loans and leases to total assets | 88.3959% | 333 |
| Net loans and leases to deposits | 137.3718% | 126 |
| Net loans and leases to core deposits | 175.4043% | 336 |
| Total domestic deposits to total assets | 64.3479% | 7,768 |
| Equity capital to assets | 7.7314% | 7,172 |
| Core capital (leverage) ratio | 7.5605% | 7,132 |
| Tier 1 risk-based capital ratio | 10.0456% | 6,693 |
| Total risk-based capital ratio | 11.1591% | 6,721 |
| Memoranda: | ||
| Average total assets | $164,924,800 | 3,632 |
| Average earning assets | $153,851,400 | 3,586 |
| Average equity | $12,171,000 | 4,784 |
| Average total loans | $148,191,000 | 2,961 |