Home > The Bank of Maine > Performance and Condition Ratios
The Bank of Maine, 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 | 3.9447% | 3,566 |
| Cost of funding earning assets | 0.3475% | 3,781 |
| Net interest margin | 3.5973% | 3,172 |
| Noninterest income to average assets | 1.3143% | 703 |
| Noninterest expense to average assets | 3.8893% | 756 |
| Loan and lease loss provision to assets | 0.2121% | 912 |
| Net operating income to assets | 0.3313% | 5,368 |
| Return on assets (ROA) | 0.4858% | 4,933 |
| Pretax return on assets | 0.7570% | 4,469 |
| Return on Equity (ROE) | 4.0200% | 5,029 |
| Retained earnings to average equity (ytd only) | 0.8629% | 5,359 |
| Net charge-offs to loans | 0.5797% | 385 |
| Credit loss provision to net charge-offs | 46.2633% | 3,077 |
| Earnings coverage of net charge-offs (x) | 1.5872% | 3,802 |
| Efficiency ratio | 84.2369% | 1,144 |
| Assets per employee ($millions) | 3.7920% | 4,282 |
| Cash dividends to net income (ytd only)* | 78.5356% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 4,701 |
| Loan loss allowance to noncurrent loans | 57.5913% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 1,566 |
| Noncurrent loans to loans | 1.7520% | 1,359 |
| Net loans and leases to total assets | 77.1686% | 1,228 |
| Net loans and leases to deposits | 92.0917% | 1,395 |
| Net loans and leases to core deposits | 96.0230% | 1,875 |
| Total domestic deposits to total assets | 83.7954% | 3,509 |
| Equity capital to assets | 12.0158% | 2,093 |
| Core capital (leverage) ratio | 9.9778% | 3,663 |
| Tier 1 risk-based capital ratio | 13.6231% | 4,068 |
| Total risk-based capital ratio | 14.8487% | 4,011 |
| Memoranda: | ||
| Average total assets | $817,050,000 | 863 |
| Average earning assets | $750,178,250 | 853 |
| Average equity | $98,738,000 | 785 |
| Average total loans | $646,262,500 | 731 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,526 |
| Cost of funding earning assets | 0.3530% | 3,774 |
| Net interest margin | 3.5884% | 3,136 |
| Noninterest income to average assets | 1.2971% | 723 |
| Noninterest expense to average assets | 3.9174% | 747 |
| Loan and lease loss provision to assets | 0.3200% | 446 |
| Net operating income to assets | 0.2284% | 5,628 |
| Return on assets (ROA) | 0.2284% | 5,702 |
| Pretax return on assets | 0.3495% | 5,577 |
| Return on Equity (ROE) | 1.8864% | 5,704 |
| Retained earnings to average equity (ytd only) | -2.6710% | 5,888 |
| Net charge-offs to loans | 0.6639% | 347 |
| Credit loss provision to net charge-offs | 60.6343% | 2,583 |
| Earnings coverage of net charge-offs (x) | 1.2687% | 3,545 |
| Efficiency ratio | 85.4046% | 1,110 |
| Assets per employee ($millions) | 3.5030% | 4,784 |
| Cash dividends to net income (ytd only)* | 241.5948% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 4,282 |
| Loan loss allowance to noncurrent loans | 61.9449% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.6579% | 1,444 |
| Noncurrent loans to loans | 1.7890% | 1,433 |
| Net loans and leases to total assets | 78.3600% | 1,018 |
| Net loans and leases to deposits | 95.9997% | 965 |
| Net loans and leases to core deposits | 100.2815% | 1,470 |
| Total domestic deposits to total assets | 81.6253% | 4,413 |
| Equity capital to assets | 11.9423% | 2,072 |
| Core capital (leverage) ratio | 9.4561% | 4,330 |
| Tier 1 risk-based capital ratio | 12.6801% | 4,694 |
| Total risk-based capital ratio | 13.9876% | 4,576 |
| Memoranda: | ||
| Average total assets | $812,583,670 | 872 |
| Average earning assets | $744,949,670 | 860 |
| Average equity | $98,389,000 | 790 |
| Average total loans | $645,890,670 | 725 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,246 |
| Cost of funding earning assets | 0.3558% | 3,795 |
| Net interest margin | 3.6396% | 2,859 |
| Noninterest income to average assets | 1.0912% | 952 |
| Noninterest expense to average assets | 3.8555% | 823 |
| Loan and lease loss provision to assets | 0.1483% | 1,369 |
| Net operating income to assets | 0.2779% | 5,484 |
| Return on assets (ROA) | 0.2779% | 5,581 |
| Pretax return on assets | 0.4252% | 5,376 |
| Return on Equity (ROE) | 2.2790% | 5,616 |
| Retained earnings to average equity (ytd only) | -4.3553% | 5,887 |
| Net charge-offs to loans | 0.4260% | 576 |
| Credit loss provision to net charge-offs | 43.7318% | 2,157 |
| Earnings coverage of net charge-offs (x) | 1.6910% | 2,877 |
| Efficiency ratio | 87.0507% | 1,092 |
| Assets per employee ($millions) | 3.1867% | 5,431 |
| Cash dividends to net income (ytd only)* | 291.1032% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 4,104 |
| Loan loss allowance to noncurrent loans | 75.4583% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3540% | 1,964 |
| Noncurrent loans to loans | 1.5599% | 1,795 |
| Net loans and leases to total assets | 79.1016% | 786 |
| Net loans and leases to deposits | 97.4201% | 729 |
| Net loans and leases to core deposits | 101.5697% | 1,214 |
| Total domestic deposits to total assets | 81.1964% | 4,766 |
| Equity capital to assets | 12.0772% | 1,973 |
| Core capital (leverage) ratio | 9.5141% | 4,254 |
| Tier 1 risk-based capital ratio | 12.4719% | 4,924 |
| Total risk-based capital ratio | 13.8188% | 4,778 |
| Memoranda: | ||
| Average total assets | $809,029,500 | 875 |
| Average earning assets | $741,942,000 | 862 |
| Average equity | $98,638,500 | 786 |
| Average total loans | $644,081,500 | 723 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 3,355 |
| Cost of funding earning assets | 0.3805% | 3,899 |
| Net interest margin | 3.7114% | 2,967 |
| Noninterest income to average assets | 1.0815% | 1,043 |
| Noninterest expense to average assets | 3.8495% | 915 |
| Loan and lease loss provision to assets | 0.1284% | 2,043 |
| Net operating income to assets | 0.2941% | 5,533 |
| Return on assets (ROA) | 0.3018% | 5,584 |
| Pretax return on assets | 0.4762% | 5,307 |
| Return on Equity (ROE) | 2.4099% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.4099% | 4,519 |
| Net charge-offs to loans | 0.2684% | 1,611 |
| Credit loss provision to net charge-offs | 61.3121% | 3,262 |
| Earnings coverage of net charge-offs (x) | 2.8302% | 4,053 |
| Efficiency ratio | 86.6609% | 1,103 |
| Assets per employee ($millions) | 3.1711% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 3,653 |
| Loan loss allowance to noncurrent loans | 73.4295% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4664% | 1,874 |
| Noncurrent loans to loans | 1.7173% | 1,691 |
| Net loans and leases to total assets | 78.1772% | 978 |
| Net loans and leases to deposits | 95.7262% | 926 |
| Net loans and leases to core deposits | 99.8703% | 1,401 |
| Total domestic deposits to total assets | 81.6675% | 4,542 |
| Equity capital to assets | 12.3083% | 1,771 |
| Core capital (leverage) ratio | 9.8706% | 3,749 |
| Tier 1 risk-based capital ratio | 13.3088% | 4,538 |
| Total risk-based capital ratio | 14.5267% | 4,474 |
| Memoranda: | ||
| Average total assets | $779,028,800 | 871 |
| Average earning assets | $705,391,600 | 869 |
| Average equity | $97,555,800 | 752 |
| Average total loans | $607,782,400 | 722 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 3,207 |
| Cost of funding earning assets | 0.3873% | 3,933 |
| Net interest margin | 3.7534% | 2,795 |
| Noninterest income to average assets | 1.0642% | 1,086 |
| Noninterest expense to average assets | 3.8959% | 848 |
| Loan and lease loss provision to assets | 0.1726% | 1,429 |
| Net operating income to assets | 0.2425% | 5,747 |
| Return on assets (ROA) | 0.2529% | 5,791 |
| Pretax return on assets | 0.4006% | 5,573 |
| Return on Equity (ROE) | 2.0104% | 5,838 |
| Retained earnings to average equity (ytd only) | 2.0104% | 5,046 |
| Net charge-offs to loans | 0.3298% | 1,218 |
| Credit loss provision to net charge-offs | 67.3401% | 2,813 |
| Earnings coverage of net charge-offs (x) | 2.1731% | 3,976 |
| Efficiency ratio | 87.4908% | 1,047 |
| Assets per employee ($millions) | 3.1483% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 3,556 |
| Loan loss allowance to noncurrent loans | 72.6273% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.5576% | 1,967 |
| Noncurrent loans to loans | 1.8156% | 1,774 |
| Net loans and leases to total assets | 77.5438% | 1,013 |
| Net loans and leases to deposits | 94.8800% | 967 |
| Net loans and leases to core deposits | 98.6712% | 1,472 |
| Total domestic deposits to total assets | 81.7282% | 4,576 |
| Equity capital to assets | 12.4182% | 1,758 |
| Core capital (leverage) ratio | 9.8178% | 3,916 |
| Tier 1 risk-based capital ratio | 13.2152% | 4,720 |
| Total risk-based capital ratio | 14.4219% | 4,684 |
| Memoranda: | ||
| Average total assets | $772,421,250 | 880 |
| Average earning assets | $697,385,750 | 883 |
| Average equity | $97,160,250 | 754 |
| Average total loans | $600,296,250 | 732 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 3,187 |
| Cost of funding earning assets | 0.3982% | 3,888 |
| Net interest margin | 3.7423% | 2,790 |
| Noninterest income to average assets | 0.9198% | 1,427 |
| Noninterest expense to average assets | 3.9247% | 832 |
| Loan and lease loss provision to assets | 0.1827% | 1,342 |
| Net operating income to assets | 0.1043% | 6,041 |
| Return on assets (ROA) | 0.1200% | 6,050 |
| Pretax return on assets | 0.2038% | 5,942 |
| Return on Equity (ROE) | 0.9501% | 6,065 |
| Retained earnings to average equity (ytd only) | 0.9501% | 5,377 |
| Net charge-offs to loans | 0.1598% | 2,113 |
| Credit loss provision to net charge-offs | 147.6793% | 1,472 |
| Earnings coverage of net charge-offs (x) | 2.9262% | 3,429 |
| Efficiency ratio | 91.5571% | 793 |
| Assets per employee ($millions) | 3.0584% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 3,078 |
| Loan loss allowance to noncurrent loans | 79.6830% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 2,047 |
| Noncurrent loans to loans | 1.8311% | 1,873 |
| Net loans and leases to total assets | 76.4647% | 1,106 |
| Net loans and leases to deposits | 93.1700% | 1,035 |
| Net loans and leases to core deposits | 96.6161% | 1,553 |
| Total domestic deposits to total assets | 82.0701% | 4,618 |
| Equity capital to assets | 12.3529% | 1,740 |
| Core capital (leverage) ratio | 9.5439% | 4,261 |
| Tier 1 risk-based capital ratio | 12.7976% | 5,037 |
| Total risk-based capital ratio | 14.0052% | 5,005 |
| Memoranda: | ||
| Average total assets | $766,485,000 | 888 |
| Average earning assets | $689,581,000 | 892 |
| Average equity | $96,836,330 | 754 |
| Average total loans | $593,407,670 | 733 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 3,122 |
| Cost of funding earning assets | 0.4060% | 3,894 |
| Net interest margin | 3.7371% | 2,722 |
| Noninterest income to average assets | 0.8341% | 1,622 |
| Noninterest expense to average assets | 4.0062% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1163% | 5,990 |
| Return on assets (ROA) | 0.1163% | 6,023 |
| Pretax return on assets | 0.1998% | 5,917 |
| Return on Equity (ROE) | 0.9100% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.9100% | 5,233 |
| Net charge-offs to loans | -0.0328% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2495% | 687 |
| Assets per employee ($millions) | 2.8581% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 3,223 |
| Loan loss allowance to noncurrent loans | 83.2474% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.5733% | 2,246 |
| Noncurrent loans to loans | 1.7793% | 2,168 |
| Net loans and leases to total assets | 75.4472% | 1,065 |
| Net loans and leases to deposits | 92.0117% | 953 |
| Net loans and leases to core deposits | 95.2471% | 1,450 |
| Total domestic deposits to total assets | 81.9973% | 4,944 |
| Equity capital to assets | 12.5903% | 1,529 |
| Core capital (leverage) ratio | 9.7110% | 3,982 |
| Tier 1 risk-based capital ratio | 12.4492% | 5,347 |
| Total risk-based capital ratio | 13.6575% | 5,302 |
| Memoranda: | ||
| Average total assets | $756,724,000 | 901 |
| Average earning assets | $682,773,500 | 906 |
| Average equity | $96,707,000 | 756 |
| Average total loans | $585,153,000 | 746 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 3,915 |
| Cost of funding earning assets | 0.4135% | 4,497 |
| Net interest margin | 3.6386% | 3,289 |
| Noninterest income to average assets | 1.7939% | 464 |
| Noninterest expense to average assets | 4.7453% | 427 |
| Loan and lease loss provision to assets | 0.0640% | 3,849 |
| Net operating income to assets | 0.1402% | 5,959 |
| Return on assets (ROA) | 0.1426% | 6,022 |
| Pretax return on assets | 0.2401% | 5,864 |
| Return on Equity (ROE) | 1.1607% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.1607% | 5,309 |
| Net charge-offs to loans | 0.1878% | 2,962 |
| Credit loss provision to net charge-offs | 44.4050% | 3,953 |
| Earnings coverage of net charge-offs (x) | 2.0844% | 4,348 |
| Efficiency ratio | 94.0474% | 747 |
| Assets per employee ($millions) | 2.7176% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,243 |
| Loan loss allowance to noncurrent loans | 72.7235% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 2,070 |
| Noncurrent loans to loans | 2.0508% | 1,934 |
| Net loans and leases to total assets | 76.9322% | 961 |
| Net loans and leases to deposits | 91.5423% | 1,107 |
| Net loans and leases to core deposits | 94.5880% | 1,555 |
| Total domestic deposits to total assets | 84.0401% | 4,154 |
| Equity capital to assets | 12.9752% | 1,281 |
| Core capital (leverage) ratio | 10.2508% | 3,215 |
| Tier 1 risk-based capital ratio | 13.0057% | 4,966 |
| Total risk-based capital ratio | 14.2185% | 4,950 |
| Memoranda: | ||
| Average total assets | $781,424,600 | 860 |
| Average earning assets | $698,352,400 | 868 |
| Average equity | $95,973,000 | 737 |
| Average total loans | $599,548,000 | 697 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 4,035 |
| Cost of funding earning assets | 0.4024% | 4,799 |
| Net interest margin | 3.6220% | 3,349 |
| Noninterest income to average assets | 1.4926% | 663 |
| Noninterest expense to average assets | 4.5382% | 502 |
| Loan and lease loss provision to assets | 0.0843% | 3,371 |
| Net operating income to assets | 0.0857% | 6,160 |
| Return on assets (ROA) | 0.0899% | 6,210 |
| Pretax return on assets | 0.1052% | 6,207 |
| Return on Equity (ROE) | 0.7417% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.7417% | 5,679 |
| Net charge-offs to loans | 0.5172% | 1,247 |
| Credit loss provision to net charge-offs | 21.3402% | 4,052 |
| Earnings coverage of net charge-offs (x) | 0.4673% | 4,710 |
| Efficiency ratio | 96.0901% | 616 |
| Assets per employee ($millions) | 2.6380% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 4,701 |
| Loan loss allowance to noncurrent loans | 49.9330% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.3392% | 1,683 |
| Noncurrent loans to loans | 2.4777% | 1,756 |
| Net loans and leases to total assets | 73.7332% | 1,325 |
| Net loans and leases to deposits | 86.5636% | 1,548 |
| Net loans and leases to core deposits | 89.0014% | 2,077 |
| Total domestic deposits to total assets | 85.1780% | 3,648 |
| Equity capital to assets | 11.8485% | 2,014 |
| Core capital (leverage) ratio | 9.5580% | 4,318 |
| Tier 1 risk-based capital ratio | 12.7072% | 5,321 |
| Total risk-based capital ratio | 13.9188% | 5,291 |
| Memoranda: | ||
| Average total assets | $790,623,750 | 849 |
| Average earning assets | $705,124,500 | 862 |
| Average equity | $95,812,000 | 740 |
| Average total loans | $604,052,000 | 692 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 3,936 |
| Cost of funding earning assets | 0.4063% | 4,881 |
| Net interest margin | 3.6395% | 3,210 |
| Noninterest income to average assets | 1.4432% | 760 |
| Noninterest expense to average assets | 4.5080% | 521 |
| Loan and lease loss provision to assets | 0.1274% | 2,723 |
| Net operating income to assets | 0.0335% | 6,260 |
| Return on assets (ROA) | 0.0382% | 6,330 |
| Pretax return on assets | 0.0601% | 6,295 |
| Return on Equity (ROE) | 0.3129% | 6,338 |
| Retained earnings to average equity (ytd only) | 0.3129% | 5,769 |
| Net charge-offs to loans | 0.6911% | 949 |
| Credit loss provision to net charge-offs | 23.9349% | 3,673 |
| Earnings coverage of net charge-offs (x) | 0.3384% | 4,428 |
| Efficiency ratio | 96.1582% | 645 |
| Assets per employee ($millions) | 2.4907% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,786 |
| Loan loss allowance to noncurrent loans | 44.7683% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 2.7171% | 1,534 |
| Noncurrent loans to loans | 2.7678% | 1,640 |
| Net loans and leases to total assets | 78.3241% | 709 |
| Net loans and leases to deposits | 92.2346% | 939 |
| Net loans and leases to core deposits | 94.8810% | 1,447 |
| Total domestic deposits to total assets | 84.9184% | 3,925 |
| Equity capital to assets | 12.1293% | 1,825 |
| Core capital (leverage) ratio | 9.6681% | 3,985 |
| Tier 1 risk-based capital ratio | 12.1574% | 5,709 |
| Total risk-based capital ratio | 13.3677% | 5,669 |
| Memoranda: | ||
| Average total assets | $785,085,330 | 857 |
| Average earning assets | $699,981,000 | 870 |
| Average equity | $95,867,330 | 739 |
| Average total loans | $604,516,330 | 688 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 4,020 |
| Cost of funding earning assets | 0.4050% | 5,054 |
| Net interest margin | 3.6188% | 3,187 |
| Noninterest income to average assets | 1.4608% | 724 |
| Noninterest expense to average assets | 4.3736% | 592 |
| Loan and lease loss provision to assets | 0.2547% | 1,402 |
| Net operating income to assets | 0.0377% | 6,282 |
| Return on assets (ROA) | 0.0377% | 6,364 |
| Pretax return on assets | 0.0591% | 6,325 |
| Return on Equity (ROE) | 0.3076% | 6,373 |
| Retained earnings to average equity (ytd only) | 0.3076% | 5,692 |
| Net charge-offs to loans | 0.9945% | 615 |
| Credit loss provision to net charge-offs | 33.7610% | 2,830 |
| Earnings coverage of net charge-offs (x) | 0.4159% | 3,673 |
| Efficiency ratio | 93.3065% | 891 |
| Assets per employee ($millions) | 2.4920% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,272 |
| Loan loss allowance to noncurrent loans | 37.4769% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 3.6358% | 1,151 |
| Noncurrent loans to loans | 3.7167% | 1,266 |
| Net loans and leases to total assets | 75.0166% | 961 |
| Net loans and leases to deposits | 88.6312% | 1,084 |
| Net loans and leases to core deposits | 91.5301% | 1,553 |
| Total domestic deposits to total assets | 84.6390% | 4,205 |
| Equity capital to assets | 12.2157% | 1,900 |
| Core capital (leverage) ratio | 9.4850% | 4,111 |
| Tier 1 risk-based capital ratio | 12.1210% | 5,840 |
| Total risk-based capital ratio | 13.3288% | 5,818 |
| Memoranda: | ||
| Average total assets | $785,341,500 | 864 |
| Average earning assets | $700,224,500 | 882 |
| Average equity | $96,219,500 | 747 |
| Average total loans | $595,664,500 | 696 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 5,285 |
| Cost of funding earning assets | 0.4745% | 5,387 |
| Net interest margin | 3.5297% | 4,379 |
| Noninterest income to average assets | 1.4393% | 757 |
| Noninterest expense to average assets | 4.9251% | 396 |
| Loan and lease loss provision to assets | -0.0131% | 6,827 |
| Net operating income to assets | -0.1764% | 6,360 |
| Return on assets (ROA) | -0.0542% | 6,352 |
| Pretax return on assets | -0.1611% | 6,401 |
| Return on Equity (ROE) | -0.4397% | 6,344 |
| Retained earnings to average equity (ytd only) | -0.4397% | 5,929 |
| Net charge-offs to loans | 1.0623% | 1,005 |
| Credit loss provision to net charge-offs | -1.6575% | 6,198 |
| Earnings coverage of net charge-offs (x) | -0.4606% | 5,662 |
| Efficiency ratio | 108.0072% | 365 |
| Assets per employee ($millions) | 2.5183% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 3,455 |
| Loan loss allowance to noncurrent loans | 38.3765% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 3.8146% | 1,149 |
| Noncurrent loans to loans | 4.0782% | 1,142 |
| Net loans and leases to total assets | 74.4362% | 1,136 |
| Net loans and leases to deposits | 88.4342% | 1,219 |
| Net loans and leases to core deposits | 91.0748% | 1,717 |
| Total domestic deposits to total assets | 84.1712% | 4,241 |
| Equity capital to assets | 12.2882% | 1,864 |
| Core capital (leverage) ratio | 9.5028% | 4,098 |
| Tier 1 risk-based capital ratio | 12.2558% | 5,628 |
| Total risk-based capital ratio | 13.4626% | 5,604 |
| Memoranda: | ||
| Average total assets | $783,844,600 | 846 |
| Average earning assets | $693,012,000 | 876 |
| Average equity | $96,657,400 | 732 |
| Average total loans | $584,963,800 | 704 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 5,457 |
| Cost of funding earning assets | 0.4906% | 5,503 |
| Net interest margin | 3.5297% | 4,529 |
| Noninterest income to average assets | 1.2457% | 962 |
| Noninterest expense to average assets | 4.8818% | 396 |
| Loan and lease loss provision to assets | -0.1877% | 7,082 |
| Net operating income to assets | -0.1451% | 6,450 |
| Return on assets (ROA) | 0.0179% | 6,386 |
| Pretax return on assets | -0.0786% | 6,466 |
| Return on Equity (ROE) | 0.1448% | 6,387 |
| Retained earnings to average equity (ytd only) | 0.1448% | 6,030 |
| Net charge-offs to loans | 1.2883% | 736 |
| Credit loss provision to net charge-offs | -19.5915% | 6,124 |
| Earnings coverage of net charge-offs (x) | -0.5437% | 5,510 |
| Efficiency ratio | 111.9468% | 275 |
| Assets per employee ($millions) | 2.3828% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,879 |
| Loan loss allowance to noncurrent loans | 38.1359% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 3.8629% | 1,270 |
| Noncurrent loans to loans | 3.9795% | 1,292 |
| Net loans and leases to total assets | 73.5307% | 1,315 |
| Net loans and leases to deposits | 87.5381% | 1,411 |
| Net loans and leases to core deposits | 89.9526% | 1,983 |
| Total domestic deposits to total assets | 83.9985% | 4,220 |
| Equity capital to assets | 12.3727% | 1,981 |
| Core capital (leverage) ratio | 9.6182% | 4,093 |
| Tier 1 risk-based capital ratio | 12.5122% | 5,631 |
| Total risk-based capital ratio | 13.7136% | 5,635 |
| Memoranda: | ||
| Average total assets | $783,377,000 | 851 |
| Average earning assets | $691,377,750 | 881 |
| Average equity | $96,684,250 | 738 |
| Average total loans | $582,666,000 | 711 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 5,431 |
| Cost of funding earning assets | 0.5121% | 5,538 |
| Net interest margin | 3.5549% | 4,443 |
| Noninterest income to average assets | 1.1974% | 997 |
| Noninterest expense to average assets | 4.8234% | 421 |
| Loan and lease loss provision to assets | -0.2817% | 7,175 |
| Net operating income to assets | -0.2020% | 6,547 |
| Return on assets (ROA) | 0.0204% | 6,433 |
| Pretax return on assets | 0.0120% | 6,430 |
| Return on Equity (ROE) | 0.1657% | 6,438 |
| Retained earnings to average equity (ytd only) | 0.1657% | 5,991 |
| Net charge-offs to loans | 1.6089% | 582 |
| Credit loss provision to net charge-offs | -23.5684% | 5,951 |
| Earnings coverage of net charge-offs (x) | -0.4118% | 5,216 |
| Efficiency ratio | 111.3614% | 312 |
| Assets per employee ($millions) | 2.3077% | 6,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 3,286 |
| Loan loss allowance to noncurrent loans | 35.5213% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 4.4074% | 1,126 |
| Noncurrent loans to loans | 4.7468% | 1,075 |
| Net loans and leases to total assets | 73.9411% | 1,253 |
| Net loans and leases to deposits | 87.6410% | 1,400 |
| Net loans and leases to core deposits | 90.0432% | 1,979 |
| Total domestic deposits to total assets | 84.3682% | 4,160 |
| Equity capital to assets | 12.4829% | 1,832 |
| Core capital (leverage) ratio | 9.6472% | 3,926 |
| Tier 1 risk-based capital ratio | 12.4313% | 5,623 |
| Total risk-based capital ratio | 13.6328% | 5,644 |
| Memoranda: | ||
| Average total assets | $783,190,000 | 848 |
| Average earning assets | $690,430,330 | 876 |
| Average equity | $96,581,000 | 738 |
| Average total loans | $581,782,000 | 709 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 5,598 |
| Cost of funding earning assets | 0.5384% | 5,560 |
| Net interest margin | 3.5133% | 4,628 |
| Noninterest income to average assets | 1.4403% | 695 |
| Noninterest expense to average assets | 4.9072% | 395 |
| Loan and lease loss provision to assets | -0.2556% | 7,221 |
| Net operating income to assets | -0.1057% | 6,547 |
| Return on assets (ROA) | 0.0274% | 6,485 |
| Pretax return on assets | 0.0224% | 6,499 |
| Return on Equity (ROE) | 0.2239% | 6,486 |
| Retained earnings to average equity (ytd only) | 0.2239% | 5,910 |
| Net charge-offs to loans | 0.3807% | 2,164 |
| Credit loss provision to net charge-offs | -90.9584% | 5,483 |
| Earnings coverage of net charge-offs (x) | -1.3038% | 4,574 |
| Efficiency ratio | 108.0694% | 370 |
| Assets per employee ($millions) | 2.2721% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5057% | 1,347 |
| Loan loss allowance to noncurrent loans | 52.8782% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 5.0672% | 1,022 |
| Noncurrent loans to loans | 4.7387% | 1,203 |
| Net loans and leases to total assets | 71.4440% | 1,495 |
| Net loans and leases to deposits | 85.3097% | 1,499 |
| Net loans and leases to core deposits | 86.7958% | 2,196 |
| Total domestic deposits to total assets | 83.7466% | 4,616 |
| Equity capital to assets | 12.2090% | 1,909 |
| Core capital (leverage) ratio | 9.4298% | 4,152 |
| Tier 1 risk-based capital ratio | 12.0779% | 5,910 |
| Total risk-based capital ratio | 13.2914% | 5,920 |
| Memoranda: | ||
| Average total assets | $787,084,000 | 845 |
| Average earning assets | $694,611,000 | 873 |
| Average equity | $96,475,000 | 735 |
| Average total loans | $581,086,000 | 712 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 6,500 |
| Cost of funding earning assets | 0.6145% | 6,019 |
| Net interest margin | 3.3610% | 5,609 |
| Noninterest income to average assets | 1.0933% | 1,110 |
| Noninterest expense to average assets | 5.2270% | 320 |
| Loan and lease loss provision to assets | 4.0790% | 48 |
| Net operating income to assets | -3.3614% | 7,213 |
| Return on assets (ROA) | -3.2429% | 7,209 |
| Pretax return on assets | -4.9853% | 7,309 |
| Return on Equity (ROE) | -22.5105% | 7,015 |
| Retained earnings to average equity (ytd only) | -23.3596% | 7,017 |
| Net charge-offs to loans | 7.6552% | 18 |
| Credit loss provision to net charge-offs | 73.0239% | 4,735 |
| Earnings coverage of net charge-offs (x) | -0.1949% | 5,954 |
| Efficiency ratio | 113.5895% | 373 |
| Assets per employee ($millions) | 2.2068% | 7,076 |
| Cash dividends to net income (ytd only)* | -3.7716% | 7,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4385% | 1,399 |
| Loan loss allowance to noncurrent loans | 34.8783% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 6.8239% | 675 |
| Noncurrent loans to loans | 6.9914% | 634 |
| Net loans and leases to total assets | 72.5696% | 1,544 |
| Net loans and leases to deposits | 86.5475% | 1,601 |
| Net loans and leases to core deposits | 88.1828% | 2,354 |
| Total domestic deposits to total assets | 83.8495% | 4,381 |
| Equity capital to assets | 12.3062% | 1,905 |
| Core capital (leverage) ratio | 9.4826% | 4,053 |
| Tier 1 risk-based capital ratio | 12.1502% | 5,726 |
| Total risk-based capital ratio | 13.3615% | 5,732 |
| Memoranda: | ||
| Average total assets | $817,603,400 | 798 |
| Average earning assets | $740,736,000 | 803 |
| Average equity | $117,784,800 | 587 |
| Average total loans | $596,586,000 | 700 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 6,738 |
| Cost of funding earning assets | 0.6193% | 6,190 |
| Net interest margin | 3.2736% | 5,938 |
| Noninterest income to average assets | 0.9967% | 1,351 |
| Noninterest expense to average assets | 4.7116% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.4396% | 6,608 |
| Return on assets (ROA) | -0.3522% | 6,600 |
| Pretax return on assets | -0.5998% | 6,679 |
| Return on Equity (ROE) | -2.3637% | 6,510 |
| Retained earnings to average equity (ytd only) | -3.4459% | 6,468 |
| Net charge-offs to loans | 1.2770% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.7938% | 5,902 |
| Efficiency ratio | 114.5442% | 367 |
| Assets per employee ($millions) | 2.4226% | 6,968 |
| Cash dividends to net income (ytd only)* | -45.7875% | 7,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4838% | 573 |
| Loan loss allowance to noncurrent loans | 31.1354% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 9.9146% | 363 |
| Noncurrent loans to loans | 11.1891% | 282 |
| Net loans and leases to total assets | 71.0094% | 1,904 |
| Net loans and leases to deposits | 87.4812% | 1,497 |
| Net loans and leases to core deposits | 88.9534% | 2,371 |
| Total domestic deposits to total assets | 81.1710% | 5,379 |
| Equity capital to assets | 14.9676% | 857 |
| Core capital (leverage) ratio | 13.7348% | 976 |
| Tier 1 risk-based capital ratio | 17.6144% | 2,392 |
| Total risk-based capital ratio | 18.8986% | 2,348 |
| Memoranda: | ||
| Average total assets | $826,698,750 | 796 |
| Average earning assets | $752,231,000 | 796 |
| Average equity | $123,196,250 | 566 |
| Average total loans | $600,457,500 | 705 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 6,841 |
| Cost of funding earning assets | 0.6230% | 6,351 |
| Net interest margin | 3.2498% | 6,005 |
| Noninterest income to average assets | 1.0873% | 1,094 |
| Noninterest expense to average assets | 4.4437% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2144% | 6,484 |
| Return on assets (ROA) | -0.1838% | 6,492 |
| Pretax return on assets | -0.3440% | 6,558 |
| Return on Equity (ROE) | -1.2349% | 6,432 |
| Retained earnings to average equity (ytd only) | -1.2349% | 6,099 |
| Net charge-offs to loans | 1.6281% | 898 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.3327% | 5,468 |
| Efficiency ratio | 105.8339% | 563 |
| Assets per employee ($millions) | 2.3888% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6098% | 556 |
| Loan loss allowance to noncurrent loans | 44.0933% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 7.3565% | 671 |
| Noncurrent loans to loans | 8.1868% | 542 |
| Net loans and leases to total assets | 72.8630% | 1,625 |
| Net loans and leases to deposits | 90.2973% | 1,241 |
| Net loans and leases to core deposits | 91.9870% | 2,132 |
| Total domestic deposits to total assets | 80.6923% | 5,624 |
| Equity capital to assets | 15.6158% | 676 |
| Core capital (leverage) ratio | 14.3504% | 799 |
| Tier 1 risk-based capital ratio | 18.2667% | 2,086 |
| Total risk-based capital ratio | 19.5543% | 2,026 |
| Memoranda: | ||
| Average total assets | $832,553,670 | 804 |
| Average earning assets | $759,497,330 | 799 |
| Average equity | $123,892,330 | 567 |
| Average total loans | $602,176,670 | 715 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 6,954 |
| Cost of funding earning assets | 0.6269% | 6,487 |
| Net interest margin | 3.1704% | 6,166 |
| Noninterest income to average assets | 0.8049% | 2,013 |
| Noninterest expense to average assets | 4.0113% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2017% | 6,563 |
| Return on assets (ROA) | -0.2379% | 6,612 |
| Pretax return on assets | -0.3609% | 6,660 |
| Return on Equity (ROE) | -1.6366% | 6,552 |
| Retained earnings to average equity (ytd only) | -1.6366% | 6,094 |
| Net charge-offs to loans | 2.5816% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1674% | 4,677 |
| Efficiency ratio | 104.0659% | 624 |
| Assets per employee ($millions) | 2.7241% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8103% | 484 |
| Loan loss allowance to noncurrent loans | 33.4451% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 9.3515% | 456 |
| Noncurrent loans to loans | 11.3928% | 319 |
| Net loans and leases to total assets | 67.4869% | 2,657 |
| Net loans and leases to deposits | 90.6735% | 1,162 |
| Net loans and leases to core deposits | 91.9971% | 2,132 |
| Total domestic deposits to total assets | 74.4285% | 6,865 |
| Equity capital to assets | 14.6185% | 851 |
| Core capital (leverage) ratio | 13.2315% | 1,047 |
| Tier 1 risk-based capital ratio | 18.3714% | 1,998 |
| Total risk-based capital ratio | 19.6615% | 1,936 |
| Memoranda: | ||
| Average total assets | $852,289,000 | 786 |
| Average earning assets | $779,722,000 | 779 |
| Average equity | $123,915,500 | 560 |
| Average total loans | $603,512,500 | 718 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 6,894 |
| Cost of funding earning assets | 0.8205% | 6,478 |
| Net interest margin | 3.4020% | 5,626 |
| Noninterest income to average assets | 0.7294% | 2,649 |
| Noninterest expense to average assets | 3.6404% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1405% | 5,472 |
| Return on assets (ROA) | 0.3575% | 4,876 |
| Pretax return on assets | 0.4177% | 4,889 |
| Return on Equity (ROE) | 3.1515% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.1515% | 3,662 |
| Net charge-offs to loans | 1.5863% | 1,376 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 0.1638% | 5,950 |
| Efficiency ratio | 90.6748% | 1,269 |
| Assets per employee ($millions) | 2.9464% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3326% | 302 |
| Loan loss allowance to noncurrent loans | 34.9287% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 9.7782% | 425 |
| Noncurrent loans to loans | 12.4040% | 266 |
| Net loans and leases to total assets | 68.3578% | 2,893 |
| Net loans and leases to deposits | 91.5515% | 1,314 |
| Net loans and leases to core deposits | 94.2992% | 2,224 |
| Total domestic deposits to total assets | 74.6660% | 6,810 |
| Equity capital to assets | 14.4607% | 913 |
| Core capital (leverage) ratio | 13.0518% | 1,112 |
| Tier 1 risk-based capital ratio | 18.2982% | 1,908 |
| Total risk-based capital ratio | 19.5948% | 1,859 |
| Memoranda: | ||
| Average total assets | $884,645,200 | 764 |
| Average earning assets | $809,543,000 | 749 |
| Average equity | $100,365,800 | 670 |
| Average total loans | $688,711,800 | 636 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 6,924 |
| Cost of funding earning assets | 0.8724% | 6,498 |
| Net interest margin | 3.4590% | 5,458 |
| Noninterest income to average assets | 0.6277% | 3,269 |
| Noninterest expense to average assets | 3.5575% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1696% | 5,592 |
| Return on assets (ROA) | 0.4497% | 4,728 |
| Pretax return on assets | 0.5091% | 4,891 |
| Return on Equity (ROE) | 4.2443% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.2443% | 3,502 |
| Net charge-offs to loans | 2.0934% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.1404% | 5,886 |
| Efficiency ratio | 89.6473% | 1,317 |
| Assets per employee ($millions) | 3.0520% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0540% | 356 |
| Loan loss allowance to noncurrent loans | 31.7359% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 10.6117% | 355 |
| Noncurrent loans to loans | 12.7741% | 242 |
| Net loans and leases to total assets | 73.0979% | 2,001 |
| Net loans and leases to deposits | 96.7121% | 908 |
| Net loans and leases to core deposits | 99.3764% | 1,905 |
| Total domestic deposits to total assets | 75.5830% | 6,722 |
| Equity capital to assets | 14.3909% | 1,052 |
| Core capital (leverage) ratio | 12.9518% | 1,249 |
| Tier 1 risk-based capital ratio | 17.0476% | 2,326 |
| Total risk-based capital ratio | 18.3416% | 2,271 |
| Memoranda: | ||
| Average total assets | $891,457,250 | 754 |
| Average earning assets | $815,196,250 | 748 |
| Average equity | $94,460,750 | 711 |
| Average total loans | $707,729,500 | 617 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 6,780 |
| Cost of funding earning assets | 0.9103% | 6,535 |
| Net interest margin | 3.5515% | 5,041 |
| Noninterest income to average assets | 0.5969% | 3,358 |
| Noninterest expense to average assets | 3.5987% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1996% | 5,562 |
| Return on assets (ROA) | 0.6264% | 3,890 |
| Pretax return on assets | 0.6694% | 4,343 |
| Return on Equity (ROE) | 6.6712% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.6712% | 1,986 |
| Net charge-offs to loans | 2.5992% | 644 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.1167% | 5,605 |
| Efficiency ratio | 89.3333% | 1,389 |
| Assets per employee ($millions) | 3.1437% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1232% | 331 |
| Loan loss allowance to noncurrent loans | 38.8605% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 9.0542% | 490 |
| Noncurrent loans to loans | 10.6103% | 397 |
| Net loans and leases to total assets | 74.4172% | 1,823 |
| Net loans and leases to deposits | 98.7137% | 819 |
| Net loans and leases to core deposits | 99.5810% | 2,063 |
| Total domestic deposits to total assets | 75.3869% | 6,797 |
| Equity capital to assets | 13.9962% | 1,156 |
| Core capital (leverage) ratio | 12.5697% | 1,379 |
| Tier 1 risk-based capital ratio | 16.5129% | 2,463 |
| Total risk-based capital ratio | 17.8016% | 2,405 |
| Memoranda: | ||
| Average total assets | $901,725,000 | 742 |
| Average earning assets | $824,107,670 | 736 |
| Average equity | $84,662,330 | 774 |
| Average total loans | $725,072,000 | 603 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 6,586 |
| Cost of funding earning assets | 0.8891% | 6,813 |
| Net interest margin | 3.7000% | 4,242 |
| Noninterest income to average assets | 0.5955% | 3,303 |
| Noninterest expense to average assets | 3.6742% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2511% | 5,489 |
| Return on assets (ROA) | 0.2753% | 5,524 |
| Pretax return on assets | 0.3250% | 5,538 |
| Return on Equity (ROE) | 3.8482% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.8482% | 3,831 |
| Net charge-offs to loans | 1.1955% | 1,423 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.3032% | 4,770 |
| Efficiency ratio | 87.7461% | 1,612 |
| Assets per employee ($millions) | 3.3787% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8813% | 190 |
| Loan loss allowance to noncurrent loans | 45.6944% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 9.0693% | 489 |
| Noncurrent loans to loans | 10.6826% | 378 |
| Net loans and leases to total assets | 74.3846% | 1,890 |
| Net loans and leases to deposits | 97.0673% | 993 |
| Net loans and leases to core deposits | 109.1242% | 1,344 |
| Total domestic deposits to total assets | 76.6319% | 6,635 |
| Equity capital to assets | 7.0488% | 7,347 |
| Core capital (leverage) ratio | 5.1310% | 7,693 |
| Tier 1 risk-based capital ratio | 6.7277% | 7,722 |
| Total risk-based capital ratio | 8.0328% | 7,721 |
| Memoranda: | ||
| Average total assets | $910,898,500 | 750 |
| Average earning assets | $830,918,500 | 743 |
| Average equity | $65,174,000 | 1,024 |
| Average total loans | $744,780,000 | 607 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 7,039 |
| Cost of funding earning assets | 1.0282% | 7,152 |
| Net interest margin | 3.7279% | 4,014 |
| Noninterest income to average assets | 0.6865% | 3,052 |
| Noninterest expense to average assets | 4.9156% | 555 |
| Loan and lease loss provision to assets | 3.9087% | 359 |
| Net operating income to assets | -3.7756% | 7,569 |
| Return on assets (ROA) | -3.4966% | 7,513 |
| Pretax return on assets | -4.4212% | 7,626 |
| Return on Equity (ROE) | -39.4517% | 7,561 |
| Retained earnings to average equity (ytd only) | -39.7250% | 7,551 |
| Net charge-offs to loans | 4.5403% | 319 |
| Credit loss provision to net charge-offs | 98.6391% | 5,649 |
| Earnings coverage of net charge-offs (x) | -0.2185% | 6,470 |
| Efficiency ratio | 78.9987% | 3,042 |
| Assets per employee ($millions) | 3.2110% | 5,701 |
| Cash dividends to net income (ytd only)* | -0.6928% | 7,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9405% | 180 |
| Loan loss allowance to noncurrent loans | 45.8710% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 9.8353% | 378 |
| Noncurrent loans to loans | 10.7705% | 354 |
| Net loans and leases to total assets | 81.2475% | 801 |
| Net loans and leases to deposits | 104.1726% | 638 |
| Net loans and leases to core deposits | 110.2901% | 2,866 |
| Total domestic deposits to total assets | 77.9931% | 6,220 |
| Equity capital to assets | 7.2654% | 7,225 |
| Core capital (leverage) ratio | 5.2113% | 7,743 |
| Tier 1 risk-based capital ratio | 6.1766% | 7,806 |
| Total risk-based capital ratio | 7.4805% | 7,809 |
| Memoranda: | ||
| Average total assets | $949,402,200 | 706 |
| Average earning assets | $856,557,800 | 706 |
| Average equity | $84,146,000 | 763 |
| Average total loans | $828,596,600 | 561 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 7,250 |
| Cost of funding earning assets | 1.0700% | 7,242 |
| Net interest margin | 3.6499% | 4,273 |
| Noninterest income to average assets | 0.7148% | 2,921 |
| Noninterest expense to average assets | 5.1598% | 436 |
| Loan and lease loss provision to assets | 5.6388% | 126 |
| Net operating income to assets | -5.2135% | 7,863 |
| Return on assets (ROA) | -4.8767% | 7,829 |
| Pretax return on assets | -6.3554% | 7,927 |
| Return on Equity (ROE) | -52.8172% | 7,853 |
| Retained earnings to average equity (ytd only) | -53.1619% | 7,849 |
| Net charge-offs to loans | 1.4953% | 1,370 |
| Credit loss provision to net charge-offs | 430.0095% | 920 |
| Earnings coverage of net charge-offs (x) | -0.8801% | 6,607 |
| Efficiency ratio | 69.7572% | 4,637 |
| Assets per employee ($millions) | 3.2476% | 5,527 |
| Cash dividends to net income (ytd only)* | -0.6526% | 7,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9355% | 34 |
| Loan loss allowance to noncurrent loans | 66.6397% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 11.1298% | 275 |
| Noncurrent loans to loans | 11.9081% | 279 |
| Net loans and leases to total assets | 83.4043% | 617 |
| Net loans and leases to deposits | 107.1602% | 596 |
| Net loans and leases to core deposits | 113.7957% | 2,847 |
| Total domestic deposits to total assets | 77.8314% | 6,133 |
| Equity capital to assets | 6.7420% | 7,694 |
| Core capital (leverage) ratio | 4.3695% | 7,958 |
| Tier 1 risk-based capital ratio | 5.0533% | 7,992 |
| Total risk-based capital ratio | 6.3948% | 7,994 |
| Memoranda: | ||
| Average total assets | $963,588,250 | 706 |
| Average earning assets | $868,787,750 | 709 |
| Average equity | $88,968,750 | 736 |
| Average total loans | $845,006,750 | 568 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 7,512 |
| Cost of funding earning assets | 1.0990% | 7,379 |
| Net interest margin | 3.5152% | 4,732 |
| Noninterest income to average assets | 0.7273% | 2,827 |
| Noninterest expense to average assets | 2.9286% | 4,391 |
| Loan and lease loss provision to assets | 0.6044% | 2,634 |
| Net operating income to assets | 0.2387% | 5,133 |
| Return on assets (ROA) | 0.5327% | 4,081 |
| Pretax return on assets | 0.8192% | 3,610 |
| Return on Equity (ROE) | 5.3221% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.3221% | 2,337 |
| Net charge-offs to loans | 0.5811% | 2,586 |
| Credit loss provision to net charge-offs | 119.8381% | 3,879 |
| Earnings coverage of net charge-offs (x) | 1.9259% | 4,140 |
| Efficiency ratio | 72.0209% | 4,404 |
| Assets per employee ($millions) | 3.5263% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1264% | 233 |
| Loan loss allowance to noncurrent loans | 57.3464% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 6.4879% | 707 |
| Noncurrent loans to loans | 7.1955% | 666 |
| Net loans and leases to total assets | 83.0799% | 776 |
| Net loans and leases to deposits | 109.3516% | 584 |
| Net loans and leases to core deposits | 116.5095% | 2,667 |
| Total domestic deposits to total assets | 75.9751% | 6,553 |
| Equity capital to assets | 10.0852% | 3,833 |
| Core capital (leverage) ratio | 7.9111% | 6,475 |
| Tier 1 risk-based capital ratio | 8.9635% | 7,715 |
| Total risk-based capital ratio | 10.2597% | 7,705 |
| Memoranda: | ||
| Average total assets | $979,514,330 | 709 |
| Average earning assets | $884,051,330 | 712 |
| Average equity | $98,043,670 | 683 |
| Average total loans | $850,121,330 | 579 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 7,742 |
| Cost of funding earning assets | 1.1510% | 7,410 |
| Net interest margin | 3.3218% | 5,430 |
| Noninterest income to average assets | 0.0556% | 7,802 |
| Noninterest expense to average assets | 2.6456% | 5,241 |
| Loan and lease loss provision to assets | 0.5965% | 2,107 |
| Net operating income to assets | -0.1871% | 6,538 |
| Return on assets (ROA) | 0.9886% | 2,494 |
| Pretax return on assets | 0.9886% | 3,392 |
| Return on Equity (ROE) | 9.9147% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.9147% | 1,215 |
| Net charge-offs to loans | 1.1260% | 1,217 |
| Credit loss provision to net charge-offs | 60.9858% | 4,499 |
| Earnings coverage of net charge-offs (x) | 0.4185% | 4,654 |
| Efficiency ratio | 82.6692% | 2,455 |
| Assets per employee ($millions) | 3.6839% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9179% | 237 |
| Loan loss allowance to noncurrent loans | 85.2057% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 4.2499% | 1,169 |
| Noncurrent loans to loans | 4.5982% | 1,234 |
| Net loans and leases to total assets | 83.8452% | 711 |
| Net loans and leases to deposits | 120.3148% | 280 |
| Net loans and leases to core deposits | 129.7346% | 1,675 |
| Total domestic deposits to total assets | 69.6882% | 7,454 |
| Equity capital to assets | 10.0485% | 3,946 |
| Core capital (leverage) ratio | 7.8381% | 6,708 |
| Tier 1 risk-based capital ratio | 8.8584% | 7,860 |
| Total risk-based capital ratio | 10.1498% | 7,888 |
| Memoranda: | ||
| Average total assets | $979,120,500 | 710 |
| Average earning assets | $884,101,500 | 712 |
| Average equity | $97,633,000 | 688 |
| Average total loans | $850,438,500 | 583 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 6,645 |
| Cost of funding earning assets | 1.7547% | 7,126 |
| Net interest margin | 3.9844% | 3,194 |
| Noninterest income to average assets | 0.6846% | 3,214 |
| Noninterest expense to average assets | 2.1429% | 7,131 |
| Loan and lease loss provision to assets | 2.9376% | 312 |
| Net operating income to assets | -0.1543% | 6,565 |
| Return on assets (ROA) | -0.0502% | 6,294 |
| Pretax return on assets | -0.5707% | 6,711 |
| Return on Equity (ROE) | -0.5368% | 6,299 |
| Retained earnings to average equity (ytd only) | -0.5368% | 5,451 |
| Net charge-offs to loans | 1.5004% | 775 |
| Credit loss provision to net charge-offs | 233.2907% | 2,036 |
| Earnings coverage of net charge-offs (x) | 1.7505% | 5,199 |
| Efficiency ratio | 74.7609% | 3,449 |
| Assets per employee ($millions) | 3.6367% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1023% | 174 |
| Loan loss allowance to noncurrent loans | 186.6307% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 2.1370% | 2,298 |
| Noncurrent loans to loans | 2.1981% | 2,515 |
| Net loans and leases to total assets | 82.9005% | 1,060 |
| Net loans and leases to deposits | 114.9899% | 572 |
| Net loans and leases to core deposits | 125.6331% | 2,190 |
| Total domestic deposits to total assets | 72.0937% | 6,977 |
| Equity capital to assets | 9.8938% | 4,164 |
| Core capital (leverage) ratio | 7.6080% | 7,066 |
| Tier 1 risk-based capital ratio | 8.6592% | 7,953 |
| Total risk-based capital ratio | 9.9514% | 8,019 |
| Memoranda: | ||
| Average total assets | $930,842,000 | 717 |
| Average earning assets | $855,629,200 | 707 |
| Average equity | $86,990,000 | 762 |
| Average total loans | $781,201,600 | 607 |