Home > Sutter Community Bank > Performance and Condition Ratios
Sutter Community 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 | 4.5204% | 1,536 |
| Cost of funding earning assets | 0.2445% | 4,941 |
| Net interest margin | 4.2759% | 1,009 |
| Noninterest income to average assets | 0.2626% | 5,061 |
| Noninterest expense to average assets | 3.9337% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0731% | 5,875 |
| Return on assets (ROA) | 0.0731% | 5,913 |
| Pretax return on assets | 0.0592% | 5,924 |
| Return on Equity (ROE) | 0.5330% | 5,917 |
| Retained earnings to average equity (ytd only) | 0.5330% | 5,462 |
| Net charge-offs to loans | -0.0903% | 5,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5163% | 335 |
| Assets per employee ($millions) | 4.2693% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0527% | 228 |
| Loan loss allowance to noncurrent loans | 34.3194% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 8.1175% | 78 |
| Noncurrent loans to loans | 8.8949% | 54 |
| Net loans and leases to total assets | 69.0407% | 2,529 |
| Net loans and leases to deposits | 80.1131% | 2,870 |
| Net loans and leases to core deposits | 88.7536% | 2,581 |
| Total domestic deposits to total assets | 86.1790% | 2,452 |
| Equity capital to assets | 13.5751% | 1,196 |
| Core capital (leverage) ratio | 13.1395% | 1,157 |
| Tier 1 risk-based capital ratio | 19.4624% | 1,670 |
| Total risk-based capital ratio | 20.7371% | 1,637 |
| Memoranda: | ||
| Average total assets | $67,517,750 | 5,206 |
| Average earning assets | $58,902,500 | 5,277 |
| Average equity | $9,254,750 | 4,855 |
| Average total loans | $50,198,750 | 4,706 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,287 |
| Cost of funding earning assets | 0.2496% | 4,947 |
| Net interest margin | 4.3487% | 836 |
| Noninterest income to average assets | 0.2052% | 5,457 |
| Noninterest expense to average assets | 3.9284% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0714% | 5,910 |
| Return on assets (ROA) | 0.0714% | 5,951 |
| Pretax return on assets | 0.0595% | 5,969 |
| Return on Equity (ROE) | 0.5190% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.5190% | 5,346 |
| Net charge-offs to loans | -0.0868% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5086% | 363 |
| Assets per employee ($millions) | 4.0038% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8411% | 321 |
| Loan loss allowance to noncurrent loans | 38.3494% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 7.4326% | 107 |
| Noncurrent loans to loans | 7.4085% | 106 |
| Net loans and leases to total assets | 74.0072% | 1,658 |
| Net loans and leases to deposits | 85.9798% | 2,055 |
| Net loans and leases to core deposits | 95.2591% | 1,859 |
| Total domestic deposits to total assets | 86.0751% | 2,661 |
| Equity capital to assets | 13.6046% | 1,126 |
| Core capital (leverage) ratio | 13.3983% | 1,015 |
| Tier 1 risk-based capital ratio | 18.4279% | 1,936 |
| Total risk-based capital ratio | 19.5254% | 1,954 |
| Memoranda: | ||
| Average total assets | $67,254,000 | 5,272 |
| Average earning assets | $58,500,000 | 5,348 |
| Average equity | $9,248,670 | 4,895 |
| Average total loans | $50,716,330 | 4,727 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 994 |
| Cost of funding earning assets | 0.2489% | 5,032 |
| Net interest margin | 4.4741% | 631 |
| Noninterest income to average assets | 0.2573% | 5,116 |
| Noninterest expense to average assets | 4.0450% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0838% | 5,904 |
| Return on assets (ROA) | 0.0838% | 5,957 |
| Pretax return on assets | 0.0838% | 5,965 |
| Return on Equity (ROE) | 0.6059% | 5,975 |
| Retained earnings to average equity (ytd only) | 0.6059% | 5,193 |
| Net charge-offs to loans | -0.0160% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9710% | 430 |
| Assets per employee ($millions) | 3.8985% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8452% | 349 |
| Loan loss allowance to noncurrent loans | 43.5291% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 7.4659% | 114 |
| Noncurrent loans to loans | 6.5363% | 154 |
| Net loans and leases to total assets | 74.8638% | 1,380 |
| Net loans and leases to deposits | 87.2661% | 1,701 |
| Net loans and leases to core deposits | 96.9953% | 1,548 |
| Total domestic deposits to total assets | 85.7880% | 3,049 |
| Equity capital to assets | 13.9570% | 998 |
| Core capital (leverage) ratio | 13.5822% | 942 |
| Tier 1 risk-based capital ratio | 18.3346% | 2,054 |
| Total risk-based capital ratio | 19.6050% | 2,002 |
| Memoranda: | ||
| Average total assets | $66,848,500 | 5,335 |
| Average earning assets | $57,843,500 | 5,424 |
| Average equity | $9,243,000 | 4,931 |
| Average total loans | $50,151,500 | 4,779 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 1,110 |
| Cost of funding earning assets | 0.2505% | 5,319 |
| Net interest margin | 4.5537% | 673 |
| Noninterest income to average assets | 0.2768% | 5,134 |
| Noninterest expense to average assets | 4.0412% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3631% | 5,346 |
| Return on assets (ROA) | 0.3631% | 5,419 |
| Pretax return on assets | 0.2663% | 5,762 |
| Return on Equity (ROE) | 2.6862% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.6862% | 4,332 |
| Net charge-offs to loans | -0.1048% | 6,124 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8169% | 604 |
| Assets per employee ($millions) | 3.9660% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9472% | 315 |
| Loan loss allowance to noncurrent loans | 40.8617% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 7.6830% | 125 |
| Noncurrent loans to loans | 7.2125% | 137 |
| Net loans and leases to total assets | 70.8715% | 2,098 |
| Net loans and leases to deposits | 82.3305% | 2,434 |
| Net loans and leases to core deposits | 90.0021% | 2,283 |
| Total domestic deposits to total assets | 86.0817% | 2,794 |
| Equity capital to assets | 13.6988% | 1,075 |
| Core capital (leverage) ratio | 12.7051% | 1,252 |
| Tier 1 risk-based capital ratio | 18.3975% | 2,018 |
| Total risk-based capital ratio | 19.6734% | 1,980 |
| Memoranda: | ||
| Average total assets | $67,207,000 | 5,361 |
| Average earning assets | $59,490,000 | 5,403 |
| Average equity | $9,083,400 | 4,958 |
| Average total loans | $51,523,400 | 4,765 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 1,313 |
| Cost of funding earning assets | 0.2444% | 5,462 |
| Net interest margin | 4.4523% | 815 |
| Noninterest income to average assets | 0.3097% | 4,961 |
| Noninterest expense to average assets | 4.0920% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2939% | 5,603 |
| Return on assets (ROA) | 0.2939% | 5,676 |
| Pretax return on assets | 0.1966% | 5,954 |
| Return on Equity (ROE) | 2.1816% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.1816% | 4,967 |
| Net charge-offs to loans | -0.1100% | 6,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4167% | 525 |
| Assets per employee ($millions) | 4.1327% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6969% | 489 |
| Loan loss allowance to noncurrent loans | 35.9192% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 8.7821% | 115 |
| Noncurrent loans to loans | 7.5083% | 143 |
| Net loans and leases to total assets | 78.5718% | 885 |
| Net loans and leases to deposits | 91.6523% | 1,259 |
| Net loans and leases to core deposits | 100.2102% | 1,350 |
| Total domestic deposits to total assets | 85.7281% | 2,994 |
| Equity capital to assets | 13.8227% | 1,065 |
| Core capital (leverage) ratio | 12.3973% | 1,463 |
| Tier 1 risk-based capital ratio | 17.4054% | 2,425 |
| Total risk-based capital ratio | 18.6783% | 2,383 |
| Memoranda: | ||
| Average total assets | $67,153,250 | 5,425 |
| Average earning assets | $60,012,500 | 5,457 |
| Average equity | $9,045,250 | 4,999 |
| Average total loans | $52,095,750 | 4,790 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 2,451 |
| Cost of funding earning assets | 0.2397% | 5,586 |
| Net interest margin | 4.0950% | 1,532 |
| Noninterest income to average assets | 0.2074% | 5,711 |
| Noninterest expense to average assets | 4.0002% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1156% | 6,015 |
| Return on assets (ROA) | 0.1156% | 6,060 |
| Pretax return on assets | -0.0978% | 6,254 |
| Return on Equity (ROE) | 0.8654% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.8654% | 5,398 |
| Net charge-offs to loans | -0.0890% | 6,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5057% | 345 |
| Assets per employee ($millions) | 4.1819% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5647% | 649 |
| Loan loss allowance to noncurrent loans | 26.7420% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 10.6232% | 89 |
| Noncurrent loans to loans | 9.5906% | 87 |
| Net loans and leases to total assets | 80.6262% | 610 |
| Net loans and leases to deposits | 93.5865% | 1,001 |
| Net loans and leases to core deposits | 100.2546% | 1,261 |
| Total domestic deposits to total assets | 86.1515% | 2,969 |
| Equity capital to assets | 13.5062% | 1,152 |
| Core capital (leverage) ratio | 12.1716% | 1,563 |
| Tier 1 risk-based capital ratio | 17.3866% | 2,466 |
| Total risk-based capital ratio | 18.6593% | 2,421 |
| Memoranda: | ||
| Average total assets | $67,496,670 | 5,459 |
| Average earning assets | $60,904,000 | 5,482 |
| Average equity | $9,013,670 | 5,025 |
| Average total loans | $51,663,000 | 4,838 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,702 |
| Cost of funding earning assets | 0.2413% | 5,667 |
| Net interest margin | 4.0044% | 1,743 |
| Noninterest income to average assets | 0.1770% | 5,908 |
| Noninterest expense to average assets | 3.9357% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1180% | 5,987 |
| Return on assets (ROA) | 0.1180% | 6,020 |
| Pretax return on assets | -0.1357% | 6,306 |
| Return on Equity (ROE) | 0.8887% | 6,062 |
| Retained earnings to average equity (ytd only) | 0.8887% | 5,242 |
| Net charge-offs to loans | -0.1124% | 6,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5714% | 385 |
| Assets per employee ($millions) | 4.3426% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8685% | 501 |
| Loan loss allowance to noncurrent loans | 25.7153% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 10.4849% | 106 |
| Noncurrent loans to loans | 11.1549% | 81 |
| Net loans and leases to total assets | 68.7641% | 2,099 |
| Net loans and leases to deposits | 79.3852% | 2,384 |
| Net loans and leases to core deposits | 85.0157% | 2,421 |
| Total domestic deposits to total assets | 86.6208% | 3,031 |
| Equity capital to assets | 12.9705% | 1,320 |
| Core capital (leverage) ratio | 12.1884% | 1,542 |
| Tier 1 risk-based capital ratio | 19.9981% | 1,717 |
| Total risk-based capital ratio | 21.2767% | 1,681 |
| Memoranda: | ||
| Average total assets | $67,790,000 | 5,512 |
| Average earning assets | $61,332,000 | 5,532 |
| Average equity | $9,002,000 | 5,051 |
| Average total loans | $49,811,000 | 4,940 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 1,246 |
| Cost of funding earning assets | 0.3017% | 5,583 |
| Net interest margin | 4.5318% | 691 |
| Noninterest income to average assets | 0.3026% | 5,180 |
| Noninterest expense to average assets | 3.7059% | 1,277 |
| Loan and lease loss provision to assets | 0.1484% | 2,426 |
| Net operating income to assets | 0.3486% | 5,337 |
| Return on assets (ROA) | 0.3486% | 5,452 |
| Pretax return on assets | 0.5489% | 5,050 |
| Return on Equity (ROE) | 2.6432% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.6432% | 4,367 |
| Net charge-offs to loans | -0.0059% | 5,946 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1644% | 1,608 |
| Assets per employee ($millions) | 4.4066% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7700% | 624 |
| Loan loss allowance to noncurrent loans | 22.6492% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 11.2135% | 101 |
| Noncurrent loans to loans | 12.2301% | 69 |
| Net loans and leases to total assets | 74.1857% | 1,313 |
| Net loans and leases to deposits | 86.3431% | 1,640 |
| Net loans and leases to core deposits | 92.8132% | 1,695 |
| Total domestic deposits to total assets | 85.9196% | 3,300 |
| Equity capital to assets | 13.6038% | 1,034 |
| Core capital (leverage) ratio | 12.2820% | 1,456 |
| Tier 1 risk-based capital ratio | 19.9607% | 1,661 |
| Total risk-based capital ratio | 21.2352% | 1,628 |
| Memoranda: | ||
| Average total assets | $67,406,800 | 5,556 |
| Average earning assets | $60,991,200 | 5,563 |
| Average equity | $8,890,600 | 5,117 |
| Average total loans | $51,159,800 | 4,926 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 1,009 |
| Cost of funding earning assets | 0.3090% | 5,654 |
| Net interest margin | 4.6544% | 562 |
| Noninterest income to average assets | 0.3189% | 5,143 |
| Noninterest expense to average assets | 3.7046% | 1,241 |
| Loan and lease loss provision to assets | 0.1968% | 1,850 |
| Net operating income to assets | 0.3957% | 5,256 |
| Return on assets (ROA) | 0.3957% | 5,398 |
| Pretax return on assets | 0.6279% | 4,919 |
| Return on Equity (ROE) | 3.0229% | 5,594 |
| Retained earnings to average equity (ytd only) | 3.0229% | 4,511 |
| Net charge-offs to loans | 0.0234% | 4,666 |
| Credit loss provision to net charge-offs | 1,111.1111% | 279 |
| Earnings coverage of net charge-offs (x) | 46.5542% | 906 |
| Efficiency ratio | 81.7905% | 1,850 |
| Assets per employee ($millions) | 4.4146% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6787% | 763 |
| Loan loss allowance to noncurrent loans | 27.9314% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 9.3885% | 157 |
| Noncurrent loans to loans | 9.5903% | 153 |
| Net loans and leases to total assets | 75.9344% | 1,013 |
| Net loans and leases to deposits | 88.3460% | 1,333 |
| Net loans and leases to core deposits | 94.9470% | 1,479 |
| Total domestic deposits to total assets | 85.9512% | 3,283 |
| Equity capital to assets | 13.5263% | 1,107 |
| Core capital (leverage) ratio | 12.3942% | 1,473 |
| Tier 1 risk-based capital ratio | 19.1520% | 1,941 |
| Total risk-based capital ratio | 20.4245% | 1,903 |
| Memoranda: | ||
| Average total assets | $67,733,750 | 5,601 |
| Average earning assets | $61,274,500 | 5,619 |
| Average equity | $8,865,250 | 5,175 |
| Average total loans | $51,341,500 | 4,957 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 879 |
| Cost of funding earning assets | 0.3205% | 5,659 |
| Net interest margin | 4.7033% | 506 |
| Noninterest income to average assets | 0.4103% | 4,446 |
| Noninterest expense to average assets | 3.7281% | 1,208 |
| Loan and lease loss provision to assets | 0.2931% | 1,236 |
| Net operating income to assets | 0.4074% | 5,187 |
| Return on assets (ROA) | 0.4074% | 5,355 |
| Pretax return on assets | 0.6477% | 4,850 |
| Return on Equity (ROE) | 3.1467% | 5,569 |
| Retained earnings to average equity (ytd only) | 3.1467% | 4,320 |
| Net charge-offs to loans | 0.0547% | 3,915 |
| Credit loss provision to net charge-offs | 714.2857% | 417 |
| Earnings coverage of net charge-offs (x) | 22.9286% | 1,349 |
| Efficiency ratio | 79.8493% | 2,179 |
| Assets per employee ($millions) | 4.4405% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7415% | 754 |
| Loan loss allowance to noncurrent loans | 36.0313% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 7.7034% | 286 |
| Noncurrent loans to loans | 7.6086% | 284 |
| Net loans and leases to total assets | 73.5028% | 1,323 |
| Net loans and leases to deposits | 85.3388% | 1,642 |
| Net loans and leases to core deposits | 91.7057% | 1,741 |
| Total domestic deposits to total assets | 86.1306% | 3,296 |
| Equity capital to assets | 13.3530% | 1,199 |
| Core capital (leverage) ratio | 12.1680% | 1,526 |
| Tier 1 risk-based capital ratio | 19.2245% | 1,932 |
| Total risk-based capital ratio | 20.4989% | 1,897 |
| Memoranda: | ||
| Average total assets | $68,238,670 | 5,628 |
| Average earning assets | $61,786,000 | 5,641 |
| Average equity | $8,834,670 | 5,219 |
| Average total loans | $51,233,000 | 4,975 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 536 |
| Cost of funding earning assets | 0.3202% | 5,808 |
| Net interest margin | 4.9500% | 314 |
| Noninterest income to average assets | 0.5561% | 3,397 |
| Noninterest expense to average assets | 3.6898% | 1,261 |
| Loan and lease loss provision to assets | 0.4344% | 678 |
| Net operating income to assets | 0.5735% | 4,343 |
| Return on assets (ROA) | 0.5735% | 4,492 |
| Pretax return on assets | 0.9094% | 3,720 |
| Return on Equity (ROE) | 4.4974% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.4974% | 3,533 |
| Net charge-offs to loans | 0.1393% | 2,574 |
| Credit loss provision to net charge-offs | 416.6667% | 617 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,563 |
| Efficiency ratio | 73.3026% | 3,395 |
| Assets per employee ($millions) | 4.0600% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6850% | 932 |
| Loan loss allowance to noncurrent loans | 34.8106% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 7.5080% | 357 |
| Noncurrent loans to loans | 7.7131% | 357 |
| Net loans and leases to total assets | 70.9447% | 1,527 |
| Net loans and leases to deposits | 82.0022% | 1,830 |
| Net loans and leases to core deposits | 87.8566% | 1,926 |
| Total domestic deposits to total assets | 86.5155% | 3,224 |
| Equity capital to assets | 12.8296% | 1,513 |
| Core capital (leverage) ratio | 11.7023% | 1,746 |
| Tier 1 risk-based capital ratio | 18.8453% | 2,081 |
| Total risk-based capital ratio | 20.1402% | 2,046 |
| Memoranda: | ||
| Average total assets | $69,054,500 | 5,653 |
| Average earning assets | $62,465,000 | 5,663 |
| Average equity | $8,805,000 | 5,274 |
| Average total loans | $51,680,500 | 4,997 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7785% | 382 |
| Cost of funding earning assets | 0.4450% | 5,623 |
| Net interest margin | 5.3335% | 223 |
| Noninterest income to average assets | 0.7887% | 2,309 |
| Noninterest expense to average assets | 3.7326% | 1,353 |
| Loan and lease loss provision to assets | 0.8476% | 557 |
| Net operating income to assets | 0.6265% | 4,105 |
| Return on assets (ROA) | 0.6265% | 4,370 |
| Pretax return on assets | 1.0142% | 3,501 |
| Return on Equity (ROE) | 4.9633% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.9633% | 2,728 |
| Net charge-offs to loans | 0.6849% | 1,725 |
| Credit loss provision to net charge-offs | 147.4359% | 1,845 |
| Earnings coverage of net charge-offs (x) | 3.2385% | 3,806 |
| Efficiency ratio | 66.7194% | 4,372 |
| Assets per employee ($millions) | 3.6363% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 1,188 |
| Loan loss allowance to noncurrent loans | 30.7436% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 7.9940% | 340 |
| Noncurrent loans to loans | 7.9349% | 369 |
| Net loans and leases to total assets | 74.9034% | 1,065 |
| Net loans and leases to deposits | 86.2874% | 1,481 |
| Net loans and leases to core deposits | 91.7537% | 1,651 |
| Total domestic deposits to total assets | 86.8069% | 2,929 |
| Equity capital to assets | 12.6721% | 1,601 |
| Core capital (leverage) ratio | 11.5033% | 1,873 |
| Tier 1 risk-based capital ratio | 17.8760% | 2,303 |
| Total risk-based capital ratio | 19.1465% | 2,259 |
| Memoranda: | ||
| Average total assets | $67,835,000 | 5,678 |
| Average earning assets | $61,122,800 | 5,699 |
| Average equity | $8,562,800 | 5,347 |
| Average total loans | $56,939,200 | 4,838 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9429% | 306 |
| Cost of funding earning assets | 0.4662% | 5,671 |
| Net interest margin | 5.4767% | 178 |
| Noninterest income to average assets | 1.0011% | 1,497 |
| Noninterest expense to average assets | 3.8762% | 1,097 |
| Loan and lease loss provision to assets | 0.9380% | 456 |
| Net operating income to assets | 0.7188% | 3,834 |
| Return on assets (ROA) | 0.7188% | 4,079 |
| Pretax return on assets | 1.1275% | 3,244 |
| Return on Equity (ROE) | 5.6998% | 4,486 |
| Retained earnings to average equity (ytd only) | 5.6998% | 2,897 |
| Net charge-offs to loans | 0.9163% | 1,186 |
| Credit loss provision to net charge-offs | 119.3467% | 2,431 |
| Earnings coverage of net charge-offs (x) | 2.6282% | 3,985 |
| Efficiency ratio | 65.2376% | 4,587 |
| Assets per employee ($millions) | 4.3640% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 2,138 |
| Loan loss allowance to noncurrent loans | 33.6836% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 7.0391% | 512 |
| Noncurrent loans to loans | 5.9728% | 684 |
| Net loans and leases to total assets | 82.7294% | 298 |
| Net loans and leases to deposits | 95.1694% | 713 |
| Net loans and leases to core deposits | 100.6780% | 1,073 |
| Total domestic deposits to total assets | 86.9286% | 2,717 |
| Equity capital to assets | 12.4484% | 1,930 |
| Core capital (leverage) ratio | 11.6423% | 1,876 |
| Tier 1 risk-based capital ratio | 16.3168% | 3,103 |
| Total risk-based capital ratio | 17.6009% | 3,049 |
| Memoranda: | ||
| Average total assets | $67,521,500 | 5,759 |
| Average earning assets | $60,911,250 | 5,773 |
| Average equity | $8,514,750 | 5,411 |
| Average total loans | $57,913,000 | 4,841 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0187% | 289 |
| Cost of funding earning assets | 0.4949% | 5,658 |
| Net interest margin | 5.5238% | 175 |
| Noninterest income to average assets | 1.2853% | 860 |
| Noninterest expense to average assets | 3.9279% | 1,043 |
| Loan and lease loss provision to assets | 1.1235% | 376 |
| Net operating income to assets | 0.7670% | 3,524 |
| Return on assets (ROA) | 0.7670% | 3,794 |
| Pretax return on assets | 1.2164% | 2,853 |
| Return on Equity (ROE) | 6.0551% | 4,299 |
| Retained earnings to average equity (ytd only) | 6.0551% | 2,684 |
| Net charge-offs to loans | 1.3827% | 742 |
| Credit loss provision to net charge-offs | 94.2211% | 2,926 |
| Earnings coverage of net charge-offs (x) | 1.9623% | 3,992 |
| Efficiency ratio | 62.6673% | 5,139 |
| Assets per employee ($millions) | 3.9495% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 2,801 |
| Loan loss allowance to noncurrent loans | 30.2170% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 7.4291% | 494 |
| Noncurrent loans to loans | 6.0072% | 728 |
| Net loans and leases to total assets | 87.4905% | 95 |
| Net loans and leases to deposits | 100.9174% | 385 |
| Net loans and leases to core deposits | 106.9826% | 701 |
| Total domestic deposits to total assets | 86.6952% | 2,959 |
| Equity capital to assets | 12.7850% | 1,637 |
| Core capital (leverage) ratio | 11.5764% | 1,855 |
| Tier 1 risk-based capital ratio | 16.3719% | 2,971 |
| Total risk-based capital ratio | 17.6341% | 2,934 |
| Memoranda: | ||
| Average total assets | $66,754,000 | 5,817 |
| Average earning assets | $60,212,670 | 5,835 |
| Average equity | $8,455,670 | 5,431 |
| Average total loans | $57,567,000 | 4,887 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8184% | 414 |
| Cost of funding earning assets | 0.5199% | 5,681 |
| Net interest margin | 5.2985% | 248 |
| Noninterest income to average assets | 0.6250% | 3,082 |
| Noninterest expense to average assets | 3.6839% | 1,407 |
| Loan and lease loss provision to assets | 0.6010% | 954 |
| Net operating income to assets | 0.7632% | 3,555 |
| Return on assets (ROA) | 0.7632% | 3,791 |
| Pretax return on assets | 1.1178% | 3,253 |
| Return on Equity (ROE) | 6.0537% | 4,256 |
| Retained earnings to average equity (ytd only) | 6.0537% | 2,922 |
| Net charge-offs to loans | 0.2481% | 2,687 |
| Credit loss provision to net charge-offs | 285.7143% | 1,025 |
| Earnings coverage of net charge-offs (x) | 8.1714% | 1,991 |
| Efficiency ratio | 68.1869% | 4,136 |
| Assets per employee ($millions) | 4.0323% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 2,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0336% | 2,849 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 81.3126% | 317 |
| Net loans and leases to deposits | 93.1966% | 719 |
| Net loans and leases to core deposits | 99.0634% | 1,046 |
| Total domestic deposits to total assets | 87.2485% | 2,803 |
| Equity capital to assets | 12.3342% | 1,826 |
| Core capital (leverage) ratio | 11.6604% | 1,800 |
| Tier 1 risk-based capital ratio | 16.6461% | 2,841 |
| Total risk-based capital ratio | 17.9121% | 2,788 |
| Memoranda: | ||
| Average total assets | $66,560,500 | 5,866 |
| Average earning assets | $60,017,000 | 5,874 |
| Average equity | $8,391,500 | 5,471 |
| Average total loans | $56,436,500 | 4,965 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6660% | 838 |
| Cost of funding earning assets | 0.7339% | 5,319 |
| Net interest margin | 4.9320% | 474 |
| Noninterest income to average assets | 0.4793% | 3,997 |
| Noninterest expense to average assets | 4.0591% | 949 |
| Loan and lease loss provision to assets | 0.6950% | 1,472 |
| Net operating income to assets | 1.8292% | 436 |
| Return on assets (ROA) | 1.8292% | 469 |
| Pretax return on assets | 0.1988% | 5,793 |
| Return on Equity (ROE) | 15.6369% | 660 |
| Retained earnings to average equity (ytd only) | 15.6369% | 110 |
| Net charge-offs to loans | 0.7235% | 2,345 |
| Credit loss provision to net charge-offs | 122.8883% | 2,572 |
| Earnings coverage of net charge-offs (x) | 1.5804% | 4,587 |
| Efficiency ratio | 81.9540% | 2,035 |
| Assets per employee ($millions) | 3.5873% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 2,336 |
| Loan loss allowance to noncurrent loans | 256.1201% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 2.9068% | 2,079 |
| Noncurrent loans to loans | 0.7738% | 5,142 |
| Net loans and leases to total assets | 84.9455% | 166 |
| Net loans and leases to deposits | 98.0673% | 558 |
| Net loans and leases to core deposits | 104.1943% | 894 |
| Total domestic deposits to total assets | 86.6196% | 2,966 |
| Equity capital to assets | 12.8972% | 1,545 |
| Core capital (leverage) ratio | 11.6661% | 1,782 |
| Tier 1 risk-based capital ratio | 16.9874% | 2,616 |
| Total risk-based capital ratio | 18.2516% | 2,557 |
| Memoranda: | ||
| Average total assets | $64,891,400 | 5,902 |
| Average earning assets | $58,860,200 | 5,908 |
| Average equity | $7,591,000 | 5,689 |
| Average total loans | $50,726,200 | 5,243 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5555% | 1,126 |
| Cost of funding earning assets | 0.7772% | 5,294 |
| Net interest margin | 4.7784% | 652 |
| Noninterest income to average assets | 1.1102% | 1,082 |
| Noninterest expense to average assets | 4.1392% | 854 |
| Loan and lease loss provision to assets | 0.6690% | 1,444 |
| Net operating income to assets | 0.9932% | 2,353 |
| Return on assets (ROA) | 0.9932% | 2,499 |
| Pretax return on assets | 0.6423% | 4,676 |
| Return on Equity (ROE) | 8.7126% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.7126% | 1,248 |
| Net charge-offs to loans | 0.4533% | 2,918 |
| Credit loss provision to net charge-offs | 194.0476% | 1,503 |
| Earnings coverage of net charge-offs (x) | 3.8037% | 3,290 |
| Efficiency ratio | 75.9413% | 2,850 |
| Assets per employee ($millions) | 3.6242% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4034% | 1,534 |
| Loan loss allowance to noncurrent loans | 131.1530% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 6.4351% | 808 |
| Noncurrent loans to loans | 1.8325% | 3,591 |
| Net loans and leases to total assets | 73.6388% | 1,385 |
| Net loans and leases to deposits | 83.7602% | 2,037 |
| Net loans and leases to core deposits | 88.8476% | 2,383 |
| Total domestic deposits to total assets | 87.9162% | 2,081 |
| Equity capital to assets | 11.6853% | 2,513 |
| Core capital (leverage) ratio | 11.6658% | 1,910 |
| Tier 1 risk-based capital ratio | 16.2763% | 2,981 |
| Total risk-based capital ratio | 17.5617% | 2,928 |
| Memoranda: | ||
| Average total assets | $64,971,250 | 5,939 |
| Average earning assets | $59,014,500 | 5,941 |
| Average equity | $7,406,750 | 5,781 |
| Average total loans | $49,417,750 | 5,328 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 1,534 |
| Cost of funding earning assets | 0.8054% | 5,331 |
| Net interest margin | 4.6030% | 904 |
| Noninterest income to average assets | 1.2946% | 750 |
| Noninterest expense to average assets | 4.1120% | 902 |
| Loan and lease loss provision to assets | 1.0049% | 867 |
| Net operating income to assets | 0.9155% | 2,568 |
| Return on assets (ROA) | 0.9155% | 2,670 |
| Pretax return on assets | 0.3884% | 5,426 |
| Return on Equity (ROE) | 8.0985% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.0985% | 1,431 |
| Net charge-offs to loans | 0.6103% | 2,302 |
| Credit loss provision to net charge-offs | 215.8940% | 1,378 |
| Earnings coverage of net charge-offs (x) | 2.9934% | 3,355 |
| Efficiency ratio | 74.6920% | 3,242 |
| Assets per employee ($millions) | 3.5926% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4113% | 1,569 |
| Loan loss allowance to noncurrent loans | 49.6689% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 6.5984% | 805 |
| Noncurrent loans to loans | 4.8547% | 1,361 |
| Net loans and leases to total assets | 75.1017% | 1,229 |
| Net loans and leases to deposits | 85.2813% | 1,898 |
| Net loans and leases to core deposits | 89.9837% | 2,374 |
| Total domestic deposits to total assets | 88.0635% | 2,103 |
| Equity capital to assets | 11.4989% | 2,501 |
| Core capital (leverage) ratio | 11.3939% | 1,982 |
| Tier 1 risk-based capital ratio | 15.9158% | 3,023 |
| Total risk-based capital ratio | 17.2021% | 2,967 |
| Memoranda: | ||
| Average total assets | $64,883,000 | 5,986 |
| Average earning assets | $59,352,330 | 5,974 |
| Average equity | $7,334,670 | 5,825 |
| Average total loans | $49,483,000 | 5,380 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 1,368 |
| Cost of funding earning assets | 0.8879% | 5,010 |
| Net interest margin | 4.5874% | 882 |
| Noninterest income to average assets | 1.7726% | 433 |
| Noninterest expense to average assets | 4.1790% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7849% | 501 |
| Return on assets (ROA) | 1.7849% | 533 |
| Pretax return on assets | 1.7910% | 832 |
| Return on Equity (ROE) | 15.9253% | 686 |
| Retained earnings to average equity (ytd only) | 15.9253% | 326 |
| Net charge-offs to loans | 0.0405% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 58.2000% | 509 |
| Efficiency ratio | 70.0000% | 4,271 |
| Assets per employee ($millions) | 3.5914% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1325% | 2,113 |
| Loan loss allowance to noncurrent loans | 58.0205% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 5.5828% | 1,070 |
| Noncurrent loans to loans | 3.6754% | 2,007 |
| Net loans and leases to total assets | 72.4124% | 1,628 |
| Net loans and leases to deposits | 82.8220% | 2,212 |
| Net loans and leases to core deposits | 86.9980% | 2,734 |
| Total domestic deposits to total assets | 87.4314% | 2,698 |
| Equity capital to assets | 11.4920% | 2,276 |
| Core capital (leverage) ratio | 11.2788% | 1,973 |
| Tier 1 risk-based capital ratio | 16.5748% | 2,632 |
| Total risk-based capital ratio | 17.8376% | 2,604 |
| Memoranda: | ||
| Average total assets | $64,991,000 | 6,027 |
| Average earning assets | $59,467,000 | 6,013 |
| Average equity | $7,284,000 | 5,849 |
| Average total loans | $49,341,500 | 5,427 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4703% | 334 |
| Cost of funding earning assets | 0.9801% | 5,778 |
| Net interest margin | 5.4902% | 173 |
| Noninterest income to average assets | 0.2709% | 5,847 |
| Noninterest expense to average assets | 4.3809% | 740 |
| Loan and lease loss provision to assets | 0.3221% | 4,237 |
| Net operating income to assets | 0.5187% | 4,008 |
| Return on assets (ROA) | 0.5187% | 4,165 |
| Pretax return on assets | 0.5187% | 4,555 |
| Return on Equity (ROE) | 4.6436% | 4,233 |
| Retained earnings to average equity (ytd only) | 4.6436% | 2,641 |
| Net charge-offs to loans | 0.1170% | 5,709 |
| Credit loss provision to net charge-offs | 330.5085% | 780 |
| Earnings coverage of net charge-offs (x) | 8.6271% | 1,947 |
| Efficiency ratio | 83.8975% | 1,933 |
| Assets per employee ($millions) | 3.8434% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 2,264 |
| Loan loss allowance to noncurrent loans | 363.1206% | 859 |
| Noncurrent assets plus other real estate owned to assets | 3.2845% | 2,148 |
| Noncurrent loans to loans | 0.5546% | 5,938 |
| Net loans and leases to total assets | 76.2631% | 1,230 |
| Net loans and leases to deposits | 89.1665% | 1,622 |
| Net loans and leases to core deposits | 94.6724% | 2,176 |
| Total domestic deposits to total assets | 85.5289% | 3,586 |
| Equity capital to assets | 10.9264% | 2,749 |
| Core capital (leverage) ratio | 11.3845% | 1,899 |
| Tier 1 risk-based capital ratio | 16.3058% | 2,612 |
| Total risk-based capital ratio | 17.5917% | 2,557 |
| Memoranda: | ||
| Average total assets | $60,535,400 | 6,174 |
| Average earning assets | $54,588,200 | 6,192 |
| Average equity | $6,762,000 | 6,116 |
| Average total loans | $50,411,400 | 5,472 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6030% | 286 |
| Cost of funding earning assets | 1.0151% | 5,869 |
| Net interest margin | 5.5879% | 148 |
| Noninterest income to average assets | -0.1977% | 7,592 |
| Noninterest expense to average assets | 4.4537% | 628 |
| Loan and lease loss provision to assets | 0.3258% | 3,982 |
| Net operating income to assets | 0.0449% | 5,895 |
| Return on assets (ROA) | 0.0449% | 6,026 |
| Pretax return on assets | 0.0449% | 6,012 |
| Return on Equity (ROE) | 0.4000% | 6,030 |
| Retained earnings to average equity (ytd only) | 0.4000% | 5,634 |
| Net charge-offs to loans | 0.1352% | 5,216 |
| Credit loss provision to net charge-offs | 284.3137% | 1,138 |
| Earnings coverage of net charge-offs (x) | 3.2351% | 3,529 |
| Efficiency ratio | 92.3149% | 1,100 |
| Assets per employee ($millions) | 3.3508% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 2,369 |
| Loan loss allowance to noncurrent loans | 486.6337% | 626 |
| Noncurrent assets plus other real estate owned to assets | 4.0974% | 1,687 |
| Noncurrent loans to loans | 0.3994% | 6,399 |
| Net loans and leases to total assets | 87.0618% | 138 |
| Net loans and leases to deposits | 99.5643% | 686 |
| Net loans and leases to core deposits | 106.0495% | 1,318 |
| Total domestic deposits to total assets | 87.4427% | 2,293 |
| Equity capital to assets | 12.0148% | 2,151 |
| Core capital (leverage) ratio | 12.0163% | 1,661 |
| Tier 1 risk-based capital ratio | 15.0335% | 3,236 |
| Total risk-based capital ratio | 16.2943% | 3,220 |
| Memoranda: | ||
| Average total assets | $59,335,000 | 6,294 |
| Average earning assets | $53,328,250 | 6,312 |
| Average equity | $6,667,750 | 6,216 |
| Average total loans | $50,301,250 | 5,558 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4325% | 385 |
| Cost of funding earning assets | 1.1054% | 5,643 |
| Net interest margin | 5.3272% | 238 |
| Noninterest income to average assets | -0.7019% | 7,774 |
| Noninterest expense to average assets | 4.4340% | 621 |
| Loan and lease loss provision to assets | 0.4324% | 3,154 |
| Net operating income to assets | -0.7750% | 6,850 |
| Return on assets (ROA) | -0.7750% | 6,866 |
| Pretax return on assets | -0.7750% | 6,771 |
| Return on Equity (ROE) | -7.0510% | 6,837 |
| Retained earnings to average equity (ytd only) | -7.0510% | 6,742 |
| Net charge-offs to loans | 0.0677% | 5,466 |
| Credit loss provision to net charge-offs | 764.7059% | 485 |
| Earnings coverage of net charge-offs (x) | -6.0588% | 6,294 |
| Efficiency ratio | 108.3740% | 580 |
| Assets per employee ($millions) | 3.3721% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 2,140 |
| Loan loss allowance to noncurrent loans | 211.3924% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 4.7170% | 1,371 |
| Noncurrent loans to loans | 0.9527% | 5,399 |
| Net loans and leases to total assets | 85.0449% | 286 |
| Net loans and leases to deposits | 96.6132% | 994 |
| Net loans and leases to core deposits | 103.2160% | 1,712 |
| Total domestic deposits to total assets | 88.0262% | 1,986 |
| Equity capital to assets | 11.4976% | 2,444 |
| Core capital (leverage) ratio | 11.0980% | 2,169 |
| Tier 1 risk-based capital ratio | 14.6122% | 3,375 |
| Total risk-based capital ratio | 15.8959% | 3,334 |
| Memoranda: | ||
| Average total assets | $60,125,670 | 6,296 |
| Average earning assets | $54,100,000 | 6,318 |
| Average equity | $6,609,000 | 6,266 |
| Average total loans | $50,209,670 | 5,596 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1667% | 685 |
| Cost of funding earning assets | 1.2146% | 5,316 |
| Net interest margin | 4.9520% | 460 |
| Noninterest income to average assets | -2.0609% | 7,921 |
| Noninterest expense to average assets | 4.5509% | 549 |
| Loan and lease loss provision to assets | 0.3251% | 3,459 |
| Net operating income to assets | -2.4575% | 7,548 |
| Return on assets (ROA) | -2.4575% | 7,552 |
| Pretax return on assets | -2.4575% | 7,506 |
| Return on Equity (ROE) | -22.8468% | 7,480 |
| Retained earnings to average equity (ytd only) | -22.8468% | 7,433 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.1720% | 111 |
| Assets per employee ($millions) | 3.5506% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 2,562 |
| Loan loss allowance to noncurrent loans | 213.4091% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 4.6404% | 1,438 |
| Noncurrent loans to loans | 0.8690% | 5,577 |
| Net loans and leases to total assets | 82.3313% | 552 |
| Net loans and leases to deposits | 92.6784% | 1,513 |
| Net loans and leases to core deposits | 97.7056% | 2,375 |
| Total domestic deposits to total assets | 88.8355% | 1,603 |
| Equity capital to assets | 10.6791% | 3,060 |
| Core capital (leverage) ratio | 10.3953% | 2,721 |
| Tier 1 risk-based capital ratio | 14.3659% | 3,459 |
| Total risk-based capital ratio | 15.6474% | 3,403 |
| Memoranda: | ||
| Average total assets | $61,526,000 | 6,325 |
| Average earning assets | $55,654,000 | 6,337 |
| Average equity | $6,618,000 | 6,316 |
| Average total loans | $50,437,500 | 5,651 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8055% | 377 |
| Cost of funding earning assets | 2.0937% | 2,496 |
| Net interest margin | 4.7118% | 816 |
| Noninterest income to average assets | 1.8475% | 439 |
| Noninterest expense to average assets | 4.2917% | 998 |
| Loan and lease loss provision to assets | 1.6860% | 1,353 |
| Net operating income to assets | 0.1022% | 5,210 |
| Return on assets (ROA) | 0.1022% | 5,254 |
| Pretax return on assets | 0.1055% | 5,209 |
| Return on Equity (ROE) | 0.9408% | 5,251 |
| Retained earnings to average equity (ytd only) | 0.9408% | 4,370 |
| Net charge-offs to loans | 1.3822% | 1,815 |
| Credit loss provision to net charge-offs | 151.1078% | 3,053 |
| Earnings coverage of net charge-offs (x) | 1.6056% | 4,538 |
| Efficiency ratio | 70.5500% | 4,515 |
| Assets per employee ($millions) | 3.6877% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 2,645 |
| Loan loss allowance to noncurrent loans | 92.6042% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 4.5158% | 1,425 |
| Noncurrent loans to loans | 1.9108% | 3,787 |
| Net loans and leases to total assets | 78.7210% | 1,246 |
| Net loans and leases to deposits | 88.7050% | 2,438 |
| Net loans and leases to core deposits | 128.7966% | 1,347 |
| Total domestic deposits to total assets | 88.7448% | 1,604 |
| Equity capital to assets | 10.8309% | 2,839 |
| Core capital (leverage) ratio | 10.6882% | 2,442 |
| Tier 1 risk-based capital ratio | 15.0378% | 2,916 |
| Total risk-based capital ratio | 16.3112% | 2,861 |
| Memoranda: | ||
| Average total assets | $60,675,400 | 6,321 |
| Average earning assets | $54,544,200 | 6,355 |
| Average equity | $6,590,200 | 6,393 |
| Average total loans | $48,979,800 | 5,720 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9648% | 318 |
| Cost of funding earning assets | 2.2105% | 2,359 |
| Net interest margin | 4.7543% | 749 |
| Noninterest income to average assets | 1.7283% | 490 |
| Noninterest expense to average assets | 4.3763% | 835 |
| Loan and lease loss provision to assets | 1.5001% | 1,279 |
| Net operating income to assets | 0.1130% | 5,425 |
| Return on assets (ROA) | 0.1130% | 5,482 |
| Pretax return on assets | 0.1174% | 5,487 |
| Return on Equity (ROE) | 1.0397% | 5,482 |
| Retained earnings to average equity (ytd only) | 1.0397% | 4,733 |
| Net charge-offs to loans | 0.5918% | 2,904 |
| Credit loss provision to net charge-offs | 313.4259% | 1,316 |
| Earnings coverage of net charge-offs (x) | 3.3797% | 3,556 |
| Efficiency ratio | 73.0129% | 4,051 |
| Assets per employee ($millions) | 3.6549% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 1,734 |
| Loan loss allowance to noncurrent loans | 144.0459% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 4.2086% | 1,490 |
| Noncurrent loans to loans | 1.4068% | 4,561 |
| Net loans and leases to total assets | 78.1215% | 1,546 |
| Net loans and leases to deposits | 88.4056% | 2,888 |
| Net loans and leases to core deposits | 130.6525% | 1,393 |
| Total domestic deposits to total assets | 88.3671% | 1,486 |
| Equity capital to assets | 10.8025% | 3,206 |
| Core capital (leverage) ratio | 10.6396% | 2,677 |
| Tier 1 risk-based capital ratio | 14.7006% | 3,182 |
| Total risk-based capital ratio | 15.9622% | 3,123 |
| Memoranda: | ||
| Average total assets | $60,171,500 | 6,382 |
| Average earning assets | $53,984,250 | 6,421 |
| Average equity | $6,540,250 | 6,471 |
| Average total loans | $48,664,750 | 5,774 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0207% | 305 |
| Cost of funding earning assets | 2.2452% | 2,602 |
| Net interest margin | 4.7756% | 690 |
| Noninterest income to average assets | 1.7440% | 481 |
| Noninterest expense to average assets | 4.5802% | 714 |
| Loan and lease loss provision to assets | 2.2750% | 704 |
| Net operating income to assets | -0.7863% | 6,824 |
| Return on assets (ROA) | -0.7863% | 6,823 |
| Pretax return on assets | -0.7796% | 6,671 |
| Return on Equity (ROE) | -7.2189% | 6,824 |
| Retained earnings to average equity (ytd only) | -7.2189% | 6,588 |
| Net charge-offs to loans | 0.3763% | 3,313 |
| Credit loss provision to net charge-offs | 743.9560% | 640 |
| Earnings coverage of net charge-offs (x) | 4.8901% | 2,972 |
| Efficiency ratio | 75.3872% | 3,813 |
| Assets per employee ($millions) | 3.6073% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2691% | 1,140 |
| Loan loss allowance to noncurrent loans | 113.8105% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 4.7453% | 1,164 |
| Noncurrent loans to loans | 1.9937% | 3,533 |
| Net loans and leases to total assets | 79.2952% | 1,459 |
| Net loans and leases to deposits | 89.7641% | 2,870 |
| Net loans and leases to core deposits | 137.4343% | 1,131 |
| Total domestic deposits to total assets | 88.3374% | 1,604 |
| Equity capital to assets | 10.3744% | 3,544 |
| Core capital (leverage) ratio | 10.7524% | 2,604 |
| Tier 1 risk-based capital ratio | 14.0892% | 3,468 |
| Total risk-based capital ratio | 15.3538% | 3,393 |
| Memoranda: | ||
| Average total assets | $59,517,330 | 6,463 |
| Average earning assets | $53,983,000 | 6,473 |
| Average equity | $6,483,000 | 6,539 |
| Average total loans | $48,371,670 | 5,832 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1174% | 281 |
| Cost of funding earning assets | 2.4001% | 2,294 |
| Net interest margin | 4.7172% | 741 |
| Noninterest income to average assets | 1.4126% | 704 |
| Noninterest expense to average assets | 4.4631% | 736 |
| Loan and lease loss provision to assets | 0.6278% | 2,014 |
| Net operating income to assets | 0.5732% | 4,129 |
| Return on assets (ROA) | 0.5732% | 4,323 |
| Pretax return on assets | 0.5869% | 4,796 |
| Return on Equity (ROE) | 5.1349% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.1349% | 3,047 |
| Net charge-offs to loans | 0.3440% | 2,709 |
| Credit loss provision to net charge-offs | 224.3902% | 2,028 |
| Earnings coverage of net charge-offs (x) | 4.3415% | 2,907 |
| Efficiency ratio | 78.6058% | 3,061 |
| Assets per employee ($millions) | 3.5005% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 4,904 |
| Loan loss allowance to noncurrent loans | 103.3043% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 3.9540% | 1,304 |
| Noncurrent loans to loans | 1.1464% | 4,699 |
| Net loans and leases to total assets | 83.2866% | 813 |
| Net loans and leases to deposits | 95.2219% | 2,077 |
| Net loans and leases to core deposits | 141.2212% | 1,056 |
| Total domestic deposits to total assets | 87.4658% | 1,984 |
| Equity capital to assets | 11.1193% | 2,875 |
| Core capital (leverage) ratio | 11.2824% | 2,288 |
| Tier 1 risk-based capital ratio | 15.4932% | 2,856 |
| Total risk-based capital ratio | 16.7412% | 2,790 |
| Memoranda: | ||
| Average total assets | $58,614,000 | 6,521 |
| Average earning assets | $52,997,000 | 6,540 |
| Average equity | $6,543,500 | 6,571 |
| Average total loans | $47,679,500 | 5,884 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6797% | 2,106 |
| Cost of funding earning assets | 2.8945% | 2,289 |
| Net interest margin | 3.7852% | 4,080 |
| Noninterest income to average assets | 0.0195% | 8,032 |
| Noninterest expense to average assets | 5.2783% | 553 |
| Loan and lease loss provision to assets | 0.3678% | 3,479 |
| Net operating income to assets | -2.1214% | 7,631 |
| Return on assets (ROA) | -2.1214% | 7,592 |
| Pretax return on assets | -2.1195% | 7,475 |
| Return on Equity (ROE) | -15.3798% | 7,602 |
| Retained earnings to average equity (ytd only) | -15.3798% | 7,483 |
| Net charge-offs to loans | 0.2070% | 4,135 |
| Credit loss provision to net charge-offs | 236.2500% | 2,004 |
| Earnings coverage of net charge-offs (x) | -11.2500% | 6,907 |
| Efficiency ratio | 149.6689% | 353 |
| Assets per employee ($millions) | 3.3952% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 4,524 |
| Loan loss allowance to noncurrent loans | 94.4348% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 3.2814% | 1,377 |
| Noncurrent loans to loans | 1.2721% | 3,966 |
| Net loans and leases to total assets | 77.3731% | 2,297 |
| Net loans and leases to deposits | 88.0067% | 3,805 |
| Net loans and leases to core deposits | 128.0031% | 1,999 |
| Total domestic deposits to total assets | 87.9173% | 1,501 |
| Equity capital to assets | 11.2095% | 2,879 |
| Core capital (leverage) ratio | 11.8705% | 2,042 |
| Tier 1 risk-based capital ratio | 12.5673% | 4,395 |
| Total risk-based capital ratio | 13.6356% | 4,415 |
| Memoranda: | ||
| Average total assets | $51,380,000 | 6,716 |
| Average earning assets | $47,606,800 | 6,682 |
| Average equity | $7,087,200 | 6,429 |
| Average total loans | $38,646,000 | 6,239 |