Home > The Bank of Northern Michigan > Performance and Condition Ratios
The Bank of Northern Michigan, 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 | 4.0075% | 3,307 |
| Cost of funding earning assets | 0.6328% | 1,193 |
| Net interest margin | 3.3748% | 4,058 |
| Noninterest income to average assets | 0.3503% | 4,437 |
| Noninterest expense to average assets | 2.2072% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8950% | 2,987 |
| Return on assets (ROA) | 0.9871% | 2,615 |
| Pretax return on assets | 1.1922% | 2,850 |
| Return on Equity (ROE) | 8.1438% | 2,996 |
| Retained earnings to average equity (ytd only) | 2.7272% | 4,475 |
| Net charge-offs to loans | 0.0081% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 182.8842% | 391 |
| Efficiency ratio | 65.7248% | 3,942 |
| Assets per employee ($millions) | 10.4055% | 235 |
| Cash dividends to net income (ytd only)* | 66.5115% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 5,416 |
| Noncurrent loans to loans | 0.1129% | 5,179 |
| Net loans and leases to total assets | 70.8848% | 2,254 |
| Net loans and leases to deposits | 96.8096% | 924 |
| Net loans and leases to core deposits | 127.8252% | 312 |
| Total domestic deposits to total assets | 73.2208% | 5,766 |
| Equity capital to assets | 15.8779% | 579 |
| Core capital (leverage) ratio | 9.0209% | 4,966 |
| Tier 1 risk-based capital ratio | 10.8280% | 5,746 |
| Total risk-based capital ratio | 10.8828% | 6,093 |
| Memoranda: | ||
| Average total assets | $406,169,250 | 1,636 |
| Average earning assets | $353,557,500 | 1,717 |
| Average equity | $49,230,500 | 1,519 |
| Average total loans | $296,950,500 | 1,491 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 3,009 |
| Cost of funding earning assets | 0.6841% | 920 |
| Net interest margin | 3.3856% | 3,946 |
| Noninterest income to average assets | 0.4295% | 3,859 |
| Noninterest expense to average assets | 2.3812% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8795% | 2,989 |
| Return on assets (ROA) | 1.0223% | 2,396 |
| Pretax return on assets | 1.2050% | 2,760 |
| Return on Equity (ROE) | 9.4424% | 2,326 |
| Retained earnings to average equity (ytd only) | 0.2706% | 5,421 |
| Net charge-offs to loans | 0.0121% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 115.9444% | 540 |
| Efficiency ratio | 69.1704% | 3,461 |
| Assets per employee ($millions) | 10.1341% | 251 |
| Cash dividends to net income (ytd only)* | 97.1345% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 4,389 |
| Noncurrent loans to loans | 0.4970% | 3,977 |
| Net loans and leases to total assets | 74.7547% | 1,541 |
| Net loans and leases to deposits | 101.9346% | 554 |
| Net loans and leases to core deposits | 144.4010% | 141 |
| Total domestic deposits to total assets | 73.3359% | 5,840 |
| Equity capital to assets | 15.5461% | 599 |
| Core capital (leverage) ratio | 9.0920% | 4,831 |
| Tier 1 risk-based capital ratio | 10.1350% | 6,046 |
| Total risk-based capital ratio | 10.1350% | 6,255 |
| Memoranda: | ||
| Average total assets | $402,819,330 | 1,659 |
| Average earning assets | $355,503,000 | 1,720 |
| Average equity | $43,611,670 | 1,706 |
| Average total loans | $297,588,670 | 1,490 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 3,284 |
| Cost of funding earning assets | 0.6992% | 853 |
| Net interest margin | 3.2848% | 4,280 |
| Noninterest income to average assets | 0.3626% | 4,311 |
| Noninterest expense to average assets | 2.1507% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8720% | 2,888 |
| Return on assets (ROA) | 1.0270% | 2,287 |
| Pretax return on assets | 1.4026% | 1,881 |
| Return on Equity (ROE) | 12.1621% | 1,300 |
| Retained earnings to average equity (ytd only) | 0.3657% | 5,253 |
| Net charge-offs to loans | 0.0407% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 39.7667% | 976 |
| Efficiency ratio | 64.4093% | 4,417 |
| Assets per employee ($millions) | 10.3863% | 234 |
| Cash dividends to net income (ytd only)* | 96.9932% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 1,316 |
| Loan loss allowance to noncurrent loans | 394.7406% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 4,537 |
| Noncurrent loans to loans | 0.4769% | 4,150 |
| Net loans and leases to total assets | 69.6777% | 2,183 |
| Net loans and leases to deposits | 85.4633% | 1,899 |
| Net loans and leases to core deposits | 117.7415% | 463 |
| Total domestic deposits to total assets | 81.5293% | 4,665 |
| Equity capital to assets | 8.1908% | 5,941 |
| Core capital (leverage) ratio | 8.8183% | 5,179 |
| Tier 1 risk-based capital ratio | 10.6070% | 5,981 |
| Total risk-based capital ratio | 11.8638% | 5,903 |
| Memoranda: | ||
| Average total assets | $401,548,000 | 1,670 |
| Average earning assets | $363,861,500 | 1,689 |
| Average equity | $33,908,500 | 2,128 |
| Average total loans | $294,869,500 | 1,505 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 3,177 |
| Cost of funding earning assets | 0.7517% | 839 |
| Net interest margin | 3.3854% | 4,251 |
| Noninterest income to average assets | 0.2881% | 5,059 |
| Noninterest expense to average assets | 2.1725% | 5,404 |
| Loan and lease loss provision to assets | 0.0195% | 4,228 |
| Net operating income to assets | 0.8936% | 2,906 |
| Return on assets (ROA) | 0.8881% | 3,015 |
| Pretax return on assets | 1.1655% | 2,797 |
| Return on Equity (ROE) | 10.4461% | 1,933 |
| Retained earnings to average equity (ytd only) | 3.5596% | 3,697 |
| Net charge-offs to loans | -0.0706% | 6,024 |
| Credit loss provision to net charge-offs | -38.2653% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6007% | 4,478 |
| Assets per employee ($millions) | 9.0150% | 342 |
| Cash dividends to net income (ytd only)* | 65.9244% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 1,329 |
| Loan loss allowance to noncurrent loans | 476.4505% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 4,710 |
| Noncurrent loans to loans | 0.3977% | 4,452 |
| Net loans and leases to total assets | 74.5849% | 1,481 |
| Net loans and leases to deposits | 92.8405% | 1,202 |
| Net loans and leases to core deposits | 130.7474% | 234 |
| Total domestic deposits to total assets | 80.3365% | 4,930 |
| Equity capital to assets | 8.7163% | 5,565 |
| Core capital (leverage) ratio | 8.8040% | 5,241 |
| Tier 1 risk-based capital ratio | 11.5740% | 5,621 |
| Total risk-based capital ratio | 12.8337% | 5,527 |
| Memoranda: | ||
| Average total assets | $384,297,200 | 1,709 |
| Average earning assets | $349,060,200 | 1,711 |
| Average equity | $32,672,400 | 2,131 |
| Average total loans | $277,550,600 | 1,532 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 3,934 |
| Cost of funding earning assets | 0.7504% | 886 |
| Net interest margin | 3.2083% | 4,938 |
| Noninterest income to average assets | 0.2663% | 5,298 |
| Noninterest expense to average assets | 2.2086% | 5,331 |
| Loan and lease loss provision to assets | 0.0261% | 3,885 |
| Net operating income to assets | 0.7486% | 3,671 |
| Return on assets (ROA) | 0.7430% | 3,813 |
| Pretax return on assets | 0.9263% | 3,875 |
| Return on Equity (ROE) | 8.7958% | 2,790 |
| Retained earnings to average equity (ytd only) | 2.6219% | 4,724 |
| Net charge-offs to loans | -0.0468% | 5,879 |
| Credit loss provision to net charge-offs | -78.1250% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7485% | 3,555 |
| Assets per employee ($millions) | 10.0507% | 235 |
| Cash dividends to net income (ytd only)* | 70.1919% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 1,394 |
| Loan loss allowance to noncurrent loans | 181.0499% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 2,665 |
| Noncurrent loans to loans | 1.0650% | 2,943 |
| Net loans and leases to total assets | 67.6868% | 2,585 |
| Net loans and leases to deposits | 82.9669% | 2,295 |
| Net loans and leases to core deposits | 118.7750% | 421 |
| Total domestic deposits to total assets | 81.5829% | 4,634 |
| Equity capital to assets | 8.0273% | 6,119 |
| Core capital (leverage) ratio | 8.6153% | 5,537 |
| Tier 1 risk-based capital ratio | 11.6541% | 5,702 |
| Total risk-based capital ratio | 12.9139% | 5,612 |
| Memoranda: | ||
| Average total assets | $383,460,750 | 1,720 |
| Average earning assets | $346,631,500 | 1,736 |
| Average equity | $32,393,500 | 2,150 |
| Average total loans | $273,261,500 | 1,565 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,497 |
| Cost of funding earning assets | 0.7559% | 897 |
| Net interest margin | 3.3059% | 4,561 |
| Noninterest income to average assets | 0.2535% | 5,380 |
| Noninterest expense to average assets | 2.2609% | 5,250 |
| Loan and lease loss provision to assets | 0.0267% | 3,738 |
| Net operating income to assets | 0.6948% | 3,871 |
| Return on assets (ROA) | 0.6889% | 3,995 |
| Pretax return on assets | 0.9334% | 3,748 |
| Return on Equity (ROE) | 8.0087% | 3,090 |
| Retained earnings to average equity (ytd only) | 1.7908% | 4,993 |
| Net charge-offs to loans | 0.0096% | 4,076 |
| Credit loss provision to net charge-offs | 384.6154% | 713 |
| Earnings coverage of net charge-offs (x) | 138.9231% | 435 |
| Efficiency ratio | 70.0646% | 3,647 |
| Assets per employee ($millions) | 8.7756% | 353 |
| Cash dividends to net income (ytd only)* | 77.6398% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 1,500 |
| Loan loss allowance to noncurrent loans | 173.6449% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2917% | 2,533 |
| Noncurrent loans to loans | 1.1137% | 2,992 |
| Net loans and leases to total assets | 73.6058% | 1,493 |
| Net loans and leases to deposits | 92.4397% | 1,106 |
| Net loans and leases to core deposits | 136.8089% | 164 |
| Total domestic deposits to total assets | 79.6258% | 5,322 |
| Equity capital to assets | 8.8650% | 5,452 |
| Core capital (leverage) ratio | 9.0380% | 4,962 |
| Tier 1 risk-based capital ratio | 11.8304% | 5,633 |
| Total risk-based capital ratio | 13.0902% | 5,555 |
| Memoranda: | ||
| Average total assets | $373,921,330 | 1,754 |
| Average earning assets | $336,308,670 | 1,791 |
| Average equity | $32,165,000 | 2,153 |
| Average total loans | $269,546,330 | 1,581 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,510 |
| Cost of funding earning assets | 0.7489% | 978 |
| Net interest margin | 3.2940% | 4,563 |
| Noninterest income to average assets | 0.2432% | 5,414 |
| Noninterest expense to average assets | 2.2018% | 5,460 |
| Loan and lease loss provision to assets | 0.0266% | 3,483 |
| Net operating income to assets | 0.6787% | 3,792 |
| Return on assets (ROA) | 0.6734% | 3,908 |
| Pretax return on assets | 0.9527% | 3,499 |
| Return on Equity (ROE) | 7.9472% | 2,956 |
| Retained earnings to average equity (ytd only) | -4.5878% | 6,094 |
| Net charge-offs to loans | -0.0782% | 6,017 |
| Credit loss provision to net charge-offs | -48.0769% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1000% | 3,984 |
| Assets per employee ($millions) | 10.4968% | 210 |
| Cash dividends to net income (ytd only)* | 157.7287% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 1,489 |
| Loan loss allowance to noncurrent loans | 189.9225% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 2,866 |
| Noncurrent loans to loans | 1.0612% | 3,304 |
| Net loans and leases to total assets | 69.3417% | 2,007 |
| Net loans and leases to deposits | 86.3558% | 1,554 |
| Net loans and leases to core deposits | 121.3493% | 300 |
| Total domestic deposits to total assets | 80.2977% | 5,427 |
| Equity capital to assets | 8.4404% | 5,705 |
| Core capital (leverage) ratio | 8.7763% | 5,294 |
| Tier 1 risk-based capital ratio | 12.0339% | 5,623 |
| Total risk-based capital ratio | 13.2949% | 5,548 |
| Memoranda: | ||
| Average total assets | $376,595,000 | 1,749 |
| Average earning assets | $336,489,500 | 1,793 |
| Average equity | $31,910,500 | 2,161 |
| Average total loans | $265,998,500 | 1,607 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 3,236 |
| Cost of funding earning assets | 0.7814% | 1,315 |
| Net interest margin | 3.4466% | 4,108 |
| Noninterest income to average assets | 0.5747% | 3,249 |
| Noninterest expense to average assets | 2.3777% | 5,134 |
| Loan and lease loss provision to assets | 0.1742% | 2,123 |
| Net operating income to assets | 0.7880% | 3,352 |
| Return on assets (ROA) | 0.8028% | 3,378 |
| Pretax return on assets | 1.1486% | 2,778 |
| Return on Equity (ROE) | 8.8941% | 2,595 |
| Retained earnings to average equity (ytd only) | 1.2373% | 5,272 |
| Net charge-offs to loans | 0.2066% | 2,811 |
| Credit loss provision to net charge-offs | 118.1989% | 2,030 |
| Earnings coverage of net charge-offs (x) | 8.8161% | 2,601 |
| Efficiency ratio | 64.6692% | 4,790 |
| Assets per employee ($millions) | 9.8764% | 241 |
| Cash dividends to net income (ytd only)* | 86.0882% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 1,525 |
| Loan loss allowance to noncurrent loans | 171.9974% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.2814% | 2,857 |
| Noncurrent loans to loans | 1.1675% | 3,203 |
| Net loans and leases to total assets | 69.0803% | 2,161 |
| Net loans and leases to deposits | 86.6790% | 1,610 |
| Net loans and leases to core deposits | 122.1845% | 297 |
| Total domestic deposits to total assets | 79.6968% | 5,512 |
| Equity capital to assets | 8.5067% | 5,572 |
| Core capital (leverage) ratio | 8.8428% | 5,225 |
| Tier 1 risk-based capital ratio | 12.1255% | 5,544 |
| Total risk-based capital ratio | 13.3860% | 5,472 |
| Memoranda: | ||
| Average total assets | $361,740,400 | 1,792 |
| Average earning assets | $325,570,600 | 1,820 |
| Average equity | $32,650,800 | 2,102 |
| Average total loans | $257,986,200 | 1,609 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 3,205 |
| Cost of funding earning assets | 0.7765% | 1,444 |
| Net interest margin | 3.4725% | 4,002 |
| Noninterest income to average assets | 0.6429% | 2,915 |
| Noninterest expense to average assets | 2.3697% | 5,120 |
| Loan and lease loss provision to assets | 0.2177% | 1,674 |
| Net operating income to assets | 0.8394% | 3,145 |
| Return on assets (ROA) | 0.8639% | 3,135 |
| Pretax return on assets | 1.2327% | 2,571 |
| Return on Equity (ROE) | 9.4296% | 2,432 |
| Retained earnings to average equity (ytd only) | 3.3381% | 4,303 |
| Net charge-offs to loans | 0.2819% | 2,131 |
| Credit loss provision to net charge-offs | 107.9336% | 2,175 |
| Earnings coverage of net charge-offs (x) | 7.0055% | 2,868 |
| Efficiency ratio | 62.6500% | 5,041 |
| Assets per employee ($millions) | 10.0218% | 231 |
| Cash dividends to net income (ytd only)* | 64.5995% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0420% | 1,628 |
| Loan loss allowance to noncurrent loans | 161.6662% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 1.2724% | 3,101 |
| Noncurrent loans to loans | 1.2631% | 3,290 |
| Net loans and leases to total assets | 64.5482% | 2,910 |
| Net loans and leases to deposits | 80.2656% | 2,372 |
| Net loans and leases to core deposits | 113.6546% | 456 |
| Total domestic deposits to total assets | 80.4183% | 5,383 |
| Equity capital to assets | 8.3807% | 5,849 |
| Core capital (leverage) ratio | 9.0616% | 5,026 |
| Tier 1 risk-based capital ratio | 12.5071% | 5,453 |
| Total risk-based capital ratio | 13.7670% | 5,393 |
| Memoranda: | ||
| Average total assets | $358,349,250 | 1,820 |
| Average earning assets | $323,989,500 | 1,845 |
| Average equity | $32,832,000 | 2,111 |
| Average total loans | $256,339,000 | 1,619 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,839 |
| Cost of funding earning assets | 0.7944% | 1,444 |
| Net interest margin | 3.5331% | 3,643 |
| Noninterest income to average assets | 0.5911% | 3,246 |
| Noninterest expense to average assets | 2.5000% | 4,731 |
| Loan and lease loss provision to assets | 0.2245% | 1,686 |
| Net operating income to assets | 0.7729% | 3,445 |
| Return on assets (ROA) | 0.8144% | 3,376 |
| Pretax return on assets | 1.1551% | 2,864 |
| Return on Equity (ROE) | 8.6130% | 2,789 |
| Retained earnings to average equity (ytd only) | 2.5261% | 4,687 |
| Net charge-offs to loans | 0.4704% | 1,402 |
| Credit loss provision to net charge-offs | 64.7841% | 2,931 |
| Earnings coverage of net charge-offs (x) | 3.8056% | 3,299 |
| Efficiency ratio | 65.4710% | 4,636 |
| Assets per employee ($millions) | 8.9966% | 305 |
| Cash dividends to net income (ytd only)* | 70.6714% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 1,924 |
| Loan loss allowance to noncurrent loans | 272.9951% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4672% | 2,905 |
| Noncurrent loans to loans | 0.7202% | 4,487 |
| Net loans and leases to total assets | 71.1068% | 1,708 |
| Net loans and leases to deposits | 88.1475% | 1,327 |
| Net loans and leases to core deposits | 131.2013% | 177 |
| Total domestic deposits to total assets | 80.6679% | 5,433 |
| Equity capital to assets | 9.2670% | 4,902 |
| Core capital (leverage) ratio | 9.5311% | 4,197 |
| Tier 1 risk-based capital ratio | 12.6125% | 5,420 |
| Total risk-based capital ratio | 13.8718% | 5,354 |
| Memoranda: | ||
| Average total assets | $347,516,000 | 1,877 |
| Average earning assets | $317,457,000 | 1,887 |
| Average equity | $32,857,330 | 2,116 |
| Average total loans | $255,937,000 | 1,622 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 2,428 |
| Cost of funding earning assets | 0.8236% | 1,403 |
| Net interest margin | 3.6059% | 3,234 |
| Noninterest income to average assets | 0.6928% | 2,631 |
| Noninterest expense to average assets | 2.6128% | 4,362 |
| Loan and lease loss provision to assets | 0.2255% | 1,630 |
| Net operating income to assets | 0.8108% | 3,096 |
| Return on assets (ROA) | 0.8050% | 3,268 |
| Pretax return on assets | 1.1404% | 2,811 |
| Return on Equity (ROE) | 8.4291% | 2,757 |
| Retained earnings to average equity (ytd only) | 2.3737% | 4,841 |
| Net charge-offs to loans | 0.2431% | 1,997 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 7.6026% | 2,045 |
| Efficiency ratio | 65.5733% | 4,734 |
| Assets per employee ($millions) | 9.1776% | 299 |
| Cash dividends to net income (ytd only)* | 71.8391% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 1,933 |
| Loan loss allowance to noncurrent loans | 438.6477% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.8677% | 4,209 |
| Noncurrent loans to loans | 0.4655% | 5,259 |
| Net loans and leases to total assets | 72.2882% | 1,311 |
| Net loans and leases to deposits | 83.9540% | 1,605 |
| Net loans and leases to core deposits | 122.6373% | 250 |
| Total domestic deposits to total assets | 86.1045% | 3,470 |
| Equity capital to assets | 9.4842% | 4,871 |
| Core capital (leverage) ratio | 9.2241% | 4,526 |
| Tier 1 risk-based capital ratio | 12.5616% | 5,547 |
| Total risk-based capital ratio | 13.8222% | 5,484 |
| Memoranda: | ||
| Average total assets | $345,840,000 | 1,909 |
| Average earning assets | $315,705,500 | 1,921 |
| Average equity | $33,028,500 | 2,126 |
| Average total loans | $256,658,000 | 1,627 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 3,694 |
| Cost of funding earning assets | 1.1474% | 744 |
| Net interest margin | 3.2852% | 5,301 |
| Noninterest income to average assets | 0.5245% | 3,748 |
| Noninterest expense to average assets | 2.2447% | 5,823 |
| Loan and lease loss provision to assets | 0.4960% | 1,210 |
| Net operating income to assets | 0.6245% | 4,115 |
| Return on assets (ROA) | 0.7742% | 3,645 |
| Pretax return on assets | 1.0131% | 3,506 |
| Return on Equity (ROE) | 8.6756% | 2,804 |
| Retained earnings to average equity (ytd only) | 1.0627% | 5,343 |
| Net charge-offs to loans | 0.4500% | 2,431 |
| Credit loss provision to net charge-offs | 154.1385% | 1,754 |
| Earnings coverage of net charge-offs (x) | 4.0802% | 3,489 |
| Efficiency ratio | 63.0968% | 5,060 |
| Assets per employee ($millions) | 8.3642% | 430 |
| Cash dividends to net income (ytd only)* | 87.7501% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 1,923 |
| Loan loss allowance to noncurrent loans | 256.3145% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 1.2093% | 3,642 |
| Noncurrent loans to loans | 0.7951% | 4,592 |
| Net loans and leases to total assets | 73.1169% | 1,317 |
| Net loans and leases to deposits | 86.5747% | 1,434 |
| Net loans and leases to core deposits | 126.0130% | 221 |
| Total domestic deposits to total assets | 84.4553% | 4,100 |
| Equity capital to assets | 9.6173% | 4,717 |
| Core capital (leverage) ratio | 9.1125% | 4,722 |
| Tier 1 risk-based capital ratio | 12.5126% | 5,465 |
| Total risk-based capital ratio | 13.7726% | 5,416 |
| Memoranda: | ||
| Average total assets | $367,980,000 | 1,770 |
| Average earning assets | $339,737,800 | 1,750 |
| Average equity | $32,839,400 | 2,102 |
| Average total loans | $263,108,800 | 1,576 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 3,968 |
| Cost of funding earning assets | 1.1147% | 1,002 |
| Net interest margin | 3.3045% | 5,378 |
| Noninterest income to average assets | 0.4567% | 4,234 |
| Noninterest expense to average assets | 2.2228% | 5,902 |
| Loan and lease loss provision to assets | 0.5055% | 1,210 |
| Net operating income to assets | 0.5630% | 4,557 |
| Return on assets (ROA) | 0.7222% | 4,061 |
| Pretax return on assets | 1.0136% | 3,655 |
| Return on Equity (ROE) | 8.2386% | 3,169 |
| Retained earnings to average equity (ytd only) | 0.1097% | 6,037 |
| Net charge-offs to loans | 0.4666% | 2,237 |
| Credit loss provision to net charge-offs | 153.0744% | 1,838 |
| Earnings coverage of net charge-offs (x) | 3.9137% | 3,457 |
| Efficiency ratio | 63.2310% | 4,938 |
| Assets per employee ($millions) | 9.6161% | 270 |
| Cash dividends to net income (ytd only)* | 98.6679% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 2,290 |
| Loan loss allowance to noncurrent loans | 222.4320% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1790% | 3,936 |
| Noncurrent loans to loans | 0.8808% | 4,664 |
| Net loans and leases to total assets | 65.9187% | 2,667 |
| Net loans and leases to deposits | 79.5014% | 2,476 |
| Net loans and leases to core deposits | 120.2864% | 304 |
| Total domestic deposits to total assets | 82.9152% | 4,673 |
| Equity capital to assets | 8.5167% | 6,246 |
| Core capital (leverage) ratio | 8.6034% | 5,614 |
| Tier 1 risk-based capital ratio | 12.3045% | 5,759 |
| Total risk-based capital ratio | 13.5637% | 5,730 |
| Memoranda: | ||
| Average total assets | $374,241,750 | 1,762 |
| Average earning assets | $346,390,500 | 1,743 |
| Average equity | $32,804,000 | 2,116 |
| Average total loans | $264,896,500 | 1,576 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 3,801 |
| Cost of funding earning assets | 1.1536% | 1,013 |
| Net interest margin | 3.3393% | 5,308 |
| Noninterest income to average assets | 0.3361% | 5,143 |
| Noninterest expense to average assets | 2.2272% | 5,933 |
| Loan and lease loss provision to assets | 0.5459% | 1,129 |
| Net operating income to assets | 0.4851% | 4,886 |
| Return on assets (ROA) | 0.7293% | 3,980 |
| Pretax return on assets | 1.0260% | 3,610 |
| Return on Equity (ROE) | 8.2391% | 3,150 |
| Retained earnings to average equity (ytd only) | -0.9019% | 6,195 |
| Net charge-offs to loans | 0.6285% | 1,746 |
| Credit loss provision to net charge-offs | 120.6198% | 2,280 |
| Earnings coverage of net charge-offs (x) | 2.7080% | 3,656 |
| Efficiency ratio | 64.5055% | 4,802 |
| Assets per employee ($millions) | 9.5345% | 272 |
| Cash dividends to net income (ytd only)* | 110.9467% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 2,777 |
| Loan loss allowance to noncurrent loans | 150.3007% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.4780% | 3,487 |
| Noncurrent loans to loans | 1.2122% | 4,133 |
| Net loans and leases to total assets | 68.8060% | 2,136 |
| Net loans and leases to deposits | 83.4424% | 1,924 |
| Net loans and leases to core deposits | 134.2113% | 182 |
| Total domestic deposits to total assets | 82.4593% | 4,963 |
| Equity capital to assets | 8.7830% | 5,935 |
| Core capital (leverage) ratio | 8.8475% | 5,134 |
| Tier 1 risk-based capital ratio | 12.2980% | 5,724 |
| Total risk-based capital ratio | 13.5559% | 5,696 |
| Memoranda: | ||
| Average total assets | $370,774,000 | 1,780 |
| Average earning assets | $346,057,670 | 1,742 |
| Average equity | $32,819,000 | 2,096 |
| Average total loans | $266,988,670 | 1,561 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 3,619 |
| Cost of funding earning assets | 1.2153% | 918 |
| Net interest margin | 3.3598% | 5,265 |
| Noninterest income to average assets | 0.2787% | 5,637 |
| Noninterest expense to average assets | 2.1824% | 6,085 |
| Loan and lease loss provision to assets | 0.4386% | 1,427 |
| Net operating income to assets | 0.5808% | 4,438 |
| Return on assets (ROA) | 0.7109% | 4,048 |
| Pretax return on assets | 1.0037% | 3,663 |
| Return on Equity (ROE) | 8.0002% | 3,282 |
| Retained earnings to average equity (ytd only) | -4.1582% | 6,515 |
| Net charge-offs to loans | 0.6958% | 1,434 |
| Credit loss provision to net charge-offs | 86.3830% | 2,616 |
| Earnings coverage of net charge-offs (x) | 2.4745% | 3,184 |
| Efficiency ratio | 63.4621% | 5,025 |
| Assets per employee ($millions) | 9.8072% | 252 |
| Cash dividends to net income (ytd only)* | 151.9757% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 3,377 |
| Loan loss allowance to noncurrent loans | 85.7116% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.7484% | 3,241 |
| Noncurrent loans to loans | 1.9755% | 3,192 |
| Net loans and leases to total assets | 70.2775% | 1,709 |
| Net loans and leases to deposits | 84.7749% | 1,568 |
| Net loans and leases to core deposits | 135.5916% | 163 |
| Total domestic deposits to total assets | 82.8990% | 4,972 |
| Equity capital to assets | 8.7527% | 5,802 |
| Core capital (leverage) ratio | 8.5429% | 5,520 |
| Tier 1 risk-based capital ratio | 12.1910% | 5,827 |
| Total risk-based capital ratio | 13.4473% | 5,798 |
| Memoranda: | ||
| Average total assets | $370,239,000 | 1,784 |
| Average earning assets | $348,234,000 | 1,737 |
| Average equity | $32,899,000 | 2,095 |
| Average total loans | $270,183,500 | 1,554 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 2,897 |
| Cost of funding earning assets | 1.5209% | 661 |
| Net interest margin | 3.4762% | 5,234 |
| Noninterest income to average assets | 0.3960% | 4,649 |
| Noninterest expense to average assets | 2.2115% | 6,244 |
| Loan and lease loss provision to assets | 0.5446% | 1,923 |
| Net operating income to assets | 0.7230% | 3,372 |
| Return on assets (ROA) | 0.7625% | 3,368 |
| Pretax return on assets | 0.8728% | 3,701 |
| Return on Equity (ROE) | 8.8058% | 2,540 |
| Retained earnings to average equity (ytd only) | 4.0884% | 3,279 |
| Net charge-offs to loans | 0.5359% | 2,862 |
| Credit loss provision to net charge-offs | 137.3626% | 2,166 |
| Earnings coverage of net charge-offs (x) | 3.4581% | 3,511 |
| Efficiency ratio | 61.7285% | 5,503 |
| Assets per employee ($millions) | 9.6791% | 262 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 3,307 |
| Loan loss allowance to noncurrent loans | 81.6818% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.8899% | 3,125 |
| Noncurrent loans to loans | 2.0445% | 3,148 |
| Net loans and leases to total assets | 73.2387% | 1,402 |
| Net loans and leases to deposits | 90.4760% | 1,098 |
| Net loans and leases to core deposits | 150.2622% | 133 |
| Total domestic deposits to total assets | 80.9483% | 5,464 |
| Equity capital to assets | 9.0208% | 5,526 |
| Core capital (leverage) ratio | 8.7656% | 5,153 |
| Tier 1 risk-based capital ratio | 12.1576% | 5,720 |
| Total risk-based capital ratio | 13.4134% | 5,691 |
| Memoranda: | ||
| Average total assets | $367,211,200 | 1,770 |
| Average earning assets | $336,634,400 | 1,763 |
| Average equity | $31,797,400 | 2,087 |
| Average total loans | $271,672,200 | 1,556 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 2,942 |
| Cost of funding earning assets | 1.5886% | 612 |
| Net interest margin | 3.4404% | 5,426 |
| Noninterest income to average assets | 0.3930% | 4,718 |
| Noninterest expense to average assets | 2.1482% | 6,402 |
| Loan and lease loss provision to assets | 0.4540% | 2,191 |
| Net operating income to assets | 0.6817% | 3,705 |
| Return on assets (ROA) | 0.6960% | 3,814 |
| Pretax return on assets | 0.9462% | 3,600 |
| Return on Equity (ROE) | 8.1222% | 2,995 |
| Retained earnings to average equity (ytd only) | 1.7635% | 5,260 |
| Net charge-offs to loans | 0.5779% | 2,519 |
| Credit loss provision to net charge-offs | 106.3830% | 3,112 |
| Earnings coverage of net charge-offs (x) | 3.2306% | 3,533 |
| Efficiency ratio | 60.9063% | 5,578 |
| Assets per employee ($millions) | 10.1725% | 237 |
| Cash dividends to net income (ytd only)* | 78.2882% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 4,131 |
| Loan loss allowance to noncurrent loans | 65.5596% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 2.2708% | 2,820 |
| Noncurrent loans to loans | 2.2785% | 3,025 |
| Net loans and leases to total assets | 71.9392% | 1,719 |
| Net loans and leases to deposits | 89.6796% | 1,251 |
| Net loans and leases to core deposits | 141.4932% | 177 |
| Total domestic deposits to total assets | 80.2180% | 5,672 |
| Equity capital to assets | 8.6513% | 6,143 |
| Core capital (leverage) ratio | 8.3711% | 5,897 |
| Tier 1 risk-based capital ratio | 11.5791% | 6,187 |
| Total risk-based capital ratio | 12.8324% | 6,182 |
| Memoranda: | ||
| Average total assets | $367,063,000 | 1,773 |
| Average earning assets | $334,371,500 | 1,783 |
| Average equity | $31,452,000 | 2,109 |
| Average total loans | $271,102,750 | 1,577 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 2,766 |
| Cost of funding earning assets | 1.6434% | 580 |
| Net interest margin | 3.4380% | 5,417 |
| Noninterest income to average assets | 0.3874% | 4,779 |
| Noninterest expense to average assets | 2.1788% | 6,430 |
| Loan and lease loss provision to assets | 0.4121% | 2,374 |
| Net operating income to assets | 0.6891% | 3,599 |
| Return on assets (ROA) | 0.6825% | 3,756 |
| Pretax return on assets | 0.9248% | 3,534 |
| Return on Equity (ROE) | 7.9918% | 2,952 |
| Retained earnings to average equity (ytd only) | 1.5572% | 5,202 |
| Net charge-offs to loans | 0.4588% | 2,746 |
| Credit loss provision to net charge-offs | 121.1632% | 2,517 |
| Earnings coverage of net charge-offs (x) | 3.9499% | 3,008 |
| Efficiency ratio | 61.8565% | 5,603 |
| Assets per employee ($millions) | 9.6074% | 268 |
| Cash dividends to net income (ytd only)* | 80.5153% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 3,790 |
| Loan loss allowance to noncurrent loans | 63.7757% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.2420% | 2,929 |
| Noncurrent loans to loans | 2.4745% | 2,912 |
| Net loans and leases to total assets | 71.0978% | 1,982 |
| Net loans and leases to deposits | 89.0495% | 1,370 |
| Net loans and leases to core deposits | 143.7489% | 166 |
| Total domestic deposits to total assets | 79.8407% | 5,871 |
| Equity capital to assets | 8.7180% | 5,917 |
| Core capital (leverage) ratio | 8.6529% | 5,301 |
| Tier 1 risk-based capital ratio | 11.9555% | 5,817 |
| Total risk-based capital ratio | 13.2099% | 5,794 |
| Memoranda: | ||
| Average total assets | $363,956,330 | 1,798 |
| Average earning assets | $331,881,330 | 1,799 |
| Average equity | $31,082,000 | 2,119 |
| Average total loans | $269,846,000 | 1,599 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 2,769 |
| Cost of funding earning assets | 1.7054% | 537 |
| Net interest margin | 3.3664% | 5,556 |
| Noninterest income to average assets | 0.5482% | 3,527 |
| Noninterest expense to average assets | 2.2312% | 6,357 |
| Loan and lease loss provision to assets | 0.4953% | 1,767 |
| Net operating income to assets | 0.6737% | 3,637 |
| Return on assets (ROA) | 0.6670% | 3,748 |
| Pretax return on assets | 0.9004% | 3,492 |
| Return on Equity (ROE) | 7.8935% | 2,962 |
| Retained earnings to average equity (ytd only) | 1.3807% | 5,275 |
| Net charge-offs to loans | 0.2448% | 3,106 |
| Credit loss provision to net charge-offs | 269.4611% | 1,161 |
| Earnings coverage of net charge-offs (x) | 7.6287% | 1,925 |
| Efficiency ratio | 61.4056% | 5,778 |
| Assets per employee ($millions) | 9.8628% | 254 |
| Cash dividends to net income (ytd only)* | 82.5083% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 3,662 |
| Loan loss allowance to noncurrent loans | 71.1999% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.0670% | 3,242 |
| Noncurrent loans to loans | 2.2724% | 3,230 |
| Net loans and leases to total assets | 71.8824% | 1,746 |
| Net loans and leases to deposits | 91.0156% | 1,121 |
| Net loans and leases to core deposits | 148.9070% | 152 |
| Total domestic deposits to total assets | 78.9781% | 6,194 |
| Equity capital to assets | 8.4420% | 5,997 |
| Core capital (leverage) ratio | 8.7020% | 5,084 |
| Tier 1 risk-based capital ratio | 11.6684% | 5,964 |
| Total risk-based capital ratio | 12.9228% | 5,953 |
| Memoranda: | ||
| Average total assets | $363,393,000 | 1,810 |
| Average earning assets | $333,051,500 | 1,799 |
| Average equity | $30,709,000 | 2,133 |
| Average total loans | $272,905,000 | 1,607 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4308% | 2,542 |
| Cost of funding earning assets | 2.1574% | 351 |
| Net interest margin | 3.2734% | 6,059 |
| Noninterest income to average assets | 0.4118% | 4,809 |
| Noninterest expense to average assets | 2.1456% | 6,741 |
| Loan and lease loss provision to assets | 0.5527% | 2,926 |
| Net operating income to assets | 0.4835% | 4,181 |
| Return on assets (ROA) | 0.6198% | 3,750 |
| Pretax return on assets | 0.8065% | 3,607 |
| Return on Equity (ROE) | 7.3401% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.3401% | 1,193 |
| Net charge-offs to loans | 0.5058% | 3,595 |
| Credit loss provision to net charge-offs | 143.1199% | 2,612 |
| Earnings coverage of net charge-offs (x) | 3.0559% | 3,545 |
| Efficiency ratio | 64.5134% | 5,258 |
| Assets per employee ($millions) | 9.5227% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 4,313 |
| Loan loss allowance to noncurrent loans | 65.5128% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.0994% | 3,222 |
| Noncurrent loans to loans | 2.2040% | 3,317 |
| Net loans and leases to total assets | 76.0370% | 1,266 |
| Net loans and leases to deposits | 96.5151% | 821 |
| Net loans and leases to core deposits | 156.5001% | 157 |
| Total domestic deposits to total assets | 78.7825% | 6,139 |
| Equity capital to assets | 8.4593% | 5,907 |
| Core capital (leverage) ratio | 8.7006% | 5,021 |
| Tier 1 risk-based capital ratio | 10.9593% | 6,357 |
| Total risk-based capital ratio | 12.2115% | 6,329 |
| Memoranda: | ||
| Average total assets | $351,878,000 | 1,858 |
| Average earning assets | $313,248,400 | 1,894 |
| Average equity | $29,713,400 | 2,194 |
| Average total loans | $268,657,600 | 1,659 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4375% | 2,706 |
| Cost of funding earning assets | 2.2362% | 344 |
| Net interest margin | 3.2013% | 6,339 |
| Noninterest income to average assets | 0.3370% | 5,470 |
| Noninterest expense to average assets | 2.0729% | 6,903 |
| Loan and lease loss provision to assets | 0.5701% | 2,653 |
| Net operating income to assets | 0.4247% | 4,643 |
| Return on assets (ROA) | 0.5228% | 4,390 |
| Pretax return on assets | 0.6587% | 4,392 |
| Return on Equity (ROE) | 6.1942% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.1942% | 2,265 |
| Net charge-offs to loans | 0.3854% | 3,745 |
| Credit loss provision to net charge-offs | 194.2783% | 1,837 |
| Earnings coverage of net charge-offs (x) | 3.7633% | 3,305 |
| Efficiency ratio | 65.2414% | 5,010 |
| Assets per employee ($millions) | 10.3517% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 3,933 |
| Loan loss allowance to noncurrent loans | 64.5811% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.1002% | 3,338 |
| Noncurrent loans to loans | 2.3299% | 3,305 |
| Net loans and leases to total assets | 71.2691% | 2,412 |
| Net loans and leases to deposits | 89.3095% | 1,822 |
| Net loans and leases to core deposits | 143.3109% | 229 |
| Total domestic deposits to total assets | 79.8002% | 5,770 |
| Equity capital to assets | 8.0634% | 6,746 |
| Core capital (leverage) ratio | 8.4447% | 5,620 |
| Tier 1 risk-based capital ratio | 10.6741% | 6,653 |
| Total risk-based capital ratio | 11.9268% | 6,639 |
| Memoranda: | ||
| Average total assets | $349,382,000 | 1,900 |
| Average earning assets | $309,989,000 | 1,948 |
| Average equity | $29,489,000 | 2,237 |
| Average total loans | $266,027,000 | 1,685 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 2,862 |
| Cost of funding earning assets | 2.2821% | 355 |
| Net interest margin | 3.1439% | 6,481 |
| Noninterest income to average assets | 0.3501% | 5,349 |
| Noninterest expense to average assets | 2.0806% | 6,961 |
| Loan and lease loss provision to assets | 0.6163% | 2,319 |
| Net operating income to assets | 0.4174% | 4,672 |
| Return on assets (ROA) | 0.4879% | 4,540 |
| Pretax return on assets | 0.6009% | 4,559 |
| Return on Equity (ROE) | 5.6850% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.6850% | 2,506 |
| Net charge-offs to loans | 0.5520% | 2,875 |
| Credit loss provision to net charge-offs | 143.9227% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.6354% | 3,679 |
| Efficiency ratio | 64.8360% | 5,180 |
| Assets per employee ($millions) | 10.2291% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 4,406 |
| Loan loss allowance to noncurrent loans | 58.4226% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.3514% | 3,073 |
| Noncurrent loans to loans | 2.4000% | 3,256 |
| Net loans and leases to total assets | 76.0841% | 1,481 |
| Net loans and leases to deposits | 97.6018% | 915 |
| Net loans and leases to core deposits | 167.3241% | 141 |
| Total domestic deposits to total assets | 77.9537% | 6,281 |
| Equity capital to assets | 8.6851% | 5,905 |
| Core capital (leverage) ratio | 8.9207% | 4,723 |
| Tier 1 risk-based capital ratio | 10.8219% | 6,430 |
| Total risk-based capital ratio | 12.0734% | 6,416 |
| Memoranda: | ||
| Average total assets | $338,171,670 | 1,969 |
| Average earning assets | $307,521,000 | 1,979 |
| Average equity | $29,024,000 | 2,260 |
| Average total loans | $262,322,670 | 1,736 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 3,122 |
| Cost of funding earning assets | 2.3449% | 367 |
| Net interest margin | 3.0382% | 6,745 |
| Noninterest income to average assets | 0.3684% | 5,193 |
| Noninterest expense to average assets | 2.1094% | 6,914 |
| Loan and lease loss provision to assets | 0.5424% | 2,333 |
| Net operating income to assets | 0.4249% | 4,737 |
| Return on assets (ROA) | 0.4416% | 4,785 |
| Pretax return on assets | 0.5304% | 4,854 |
| Return on Equity (ROE) | 5.1771% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.1771% | 3,055 |
| Net charge-offs to loans | 0.8099% | 1,916 |
| Credit loss provision to net charge-offs | 86.0952% | 3,745 |
| Earnings coverage of net charge-offs (x) | 1.6686% | 3,732 |
| Efficiency ratio | 66.7426% | 4,966 |
| Assets per employee ($millions) | 9.8220% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,863 |
| Loan loss allowance to noncurrent loans | 52.4254% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.4088% | 3,022 |
| Noncurrent loans to loans | 2.5039% | 3,172 |
| Net loans and leases to total assets | 75.9107% | 1,559 |
| Net loans and leases to deposits | 98.1976% | 893 |
| Net loans and leases to core deposits | 161.1866% | 186 |
| Total domestic deposits to total assets | 77.3040% | 6,490 |
| Equity capital to assets | 8.8037% | 5,549 |
| Core capital (leverage) ratio | 8.8202% | 4,833 |
| Tier 1 risk-based capital ratio | 11.1045% | 6,053 |
| Total risk-based capital ratio | 12.3546% | 6,024 |
| Memoranda: | ||
| Average total assets | $333,362,500 | 2,048 |
| Average earning assets | $306,366,500 | 2,039 |
| Average equity | $28,433,000 | 2,333 |
| Average total loans | $259,296,000 | 1,807 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 4,357 |
| Cost of funding earning assets | 2.7098% | 567 |
| Net interest margin | 2.7555% | 7,134 |
| Noninterest income to average assets | 0.4932% | 4,468 |
| Noninterest expense to average assets | 2.1107% | 7,163 |
| Loan and lease loss provision to assets | 0.6396% | 3,242 |
| Net operating income to assets | 0.2423% | 4,750 |
| Return on assets (ROA) | 0.3933% | 4,250 |
| Pretax return on assets | 0.4736% | 4,270 |
| Return on Equity (ROE) | 4.9644% | 3,679 |
| Retained earnings to average equity (ytd only) | 4.9644% | 1,833 |
| Net charge-offs to loans | 0.5362% | 3,640 |
| Credit loss provision to net charge-offs | 153.6812% | 2,981 |
| Earnings coverage of net charge-offs (x) | 2.2337% | 4,042 |
| Efficiency ratio | 69.4227% | 4,747 |
| Assets per employee ($millions) | 8.9939% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,667 |
| Loan loss allowance to noncurrent loans | 58.7183% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.2568% | 3,059 |
| Noncurrent loans to loans | 2.2417% | 3,348 |
| Net loans and leases to total assets | 77.6114% | 1,464 |
| Net loans and leases to deposits | 101.7235% | 772 |
| Net loans and leases to core deposits | 128.6260% | 1,357 |
| Total domestic deposits to total assets | 76.2964% | 6,621 |
| Equity capital to assets | 8.2536% | 6,269 |
| Core capital (leverage) ratio | 8.3686% | 5,506 |
| Tier 1 risk-based capital ratio | 10.1918% | 6,692 |
| Total risk-based capital ratio | 11.4423% | 6,666 |
| Memoranda: | ||
| Average total assets | $336,144,000 | 2,022 |
| Average earning assets | $310,725,200 | 1,999 |
| Average equity | $26,629,600 | 2,480 |
| Average total loans | $260,932,000 | 1,828 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 4,460 |
| Cost of funding earning assets | 2.7795% | 630 |
| Net interest margin | 2.7115% | 7,196 |
| Noninterest income to average assets | 0.5642% | 3,978 |
| Noninterest expense to average assets | 2.2707% | 6,781 |
| Loan and lease loss provision to assets | 0.5539% | 3,165 |
| Net operating income to assets | 0.2041% | 5,137 |
| Return on assets (ROA) | 0.3549% | 4,670 |
| Pretax return on assets | 0.4325% | 4,709 |
| Return on Equity (ROE) | 4.5267% | 4,150 |
| Retained earnings to average equity (ytd only) | 4.5267% | 2,741 |
| Net charge-offs to loans | 0.5032% | 3,214 |
| Credit loss provision to net charge-offs | 142.2764% | 3,440 |
| Earnings coverage of net charge-offs (x) | 2.0569% | 4,279 |
| Efficiency ratio | 73.9276% | 3,874 |
| Assets per employee ($millions) | 8.8368% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 5,180 |
| Loan loss allowance to noncurrent loans | 43.8399% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 2.4530% | 2,806 |
| Noncurrent loans to loans | 2.7093% | 2,796 |
| Net loans and leases to total assets | 75.0720% | 2,230 |
| Net loans and leases to deposits | 95.5399% | 1,643 |
| Net loans and leases to core deposits | 121.6665% | 2,099 |
| Total domestic deposits to total assets | 78.5765% | 5,935 |
| Equity capital to assets | 7.8785% | 6,961 |
| Core capital (leverage) ratio | 8.1179% | 6,155 |
| Tier 1 risk-based capital ratio | 9.9334% | 7,031 |
| Total risk-based capital ratio | 11.0751% | 7,082 |
| Memoranda: | ||
| Average total assets | $336,986,000 | 2,034 |
| Average earning assets | $311,608,250 | 2,019 |
| Average equity | $26,420,500 | 2,510 |
| Average total loans | $260,735,750 | 1,849 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4353% | 4,966 |
| Cost of funding earning assets | 2.8218% | 741 |
| Net interest margin | 2.6135% | 7,345 |
| Noninterest income to average assets | 0.6782% | 3,129 |
| Noninterest expense to average assets | 2.3610% | 6,587 |
| Loan and lease loss provision to assets | 0.6130% | 2,602 |
| Net operating income to assets | 0.1162% | 5,513 |
| Return on assets (ROA) | 0.3361% | 4,847 |
| Pretax return on assets | 0.4348% | 4,839 |
| Return on Equity (ROE) | 4.2939% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.2939% | 2,912 |
| Net charge-offs to loans | 0.5239% | 2,753 |
| Credit loss provision to net charge-offs | 150.2933% | 3,063 |
| Earnings coverage of net charge-offs (x) | 1.8724% | 4,169 |
| Efficiency ratio | 75.5598% | 3,781 |
| Assets per employee ($millions) | 8.8219% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 5,262 |
| Loan loss allowance to noncurrent loans | 72.5340% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.5858% | 3,837 |
| Noncurrent loans to loans | 1.5866% | 4,118 |
| Net loans and leases to total assets | 77.8150% | 1,792 |
| Net loans and leases to deposits | 103.5311% | 942 |
| Net loans and leases to core deposits | 131.1869% | 1,478 |
| Total domestic deposits to total assets | 75.1610% | 6,731 |
| Equity capital to assets | 7.8391% | 6,928 |
| Core capital (leverage) ratio | 8.1331% | 6,106 |
| Tier 1 risk-based capital ratio | 9.7839% | 7,152 |
| Total risk-based capital ratio | 10.8957% | 7,225 |
| Memoranda: | ||
| Average total assets | $334,436,000 | 2,077 |
| Average earning assets | $313,065,330 | 2,036 |
| Average equity | $26,176,670 | 2,545 |
| Average total loans | $260,369,330 | 1,882 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 5,015 |
| Cost of funding earning assets | 2.9049% | 761 |
| Net interest margin | 2.5748% | 7,403 |
| Noninterest income to average assets | 0.5329% | 4,039 |
| Noninterest expense to average assets | 2.2728% | 6,627 |
| Loan and lease loss provision to assets | 0.7784% | 1,649 |
| Net operating income to assets | -0.0696% | 6,358 |
| Return on assets (ROA) | 0.3281% | 5,358 |
| Pretax return on assets | 0.4718% | 5,166 |
| Return on Equity (ROE) | 4.1951% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.1951% | 3,578 |
| Net charge-offs to loans | 0.6063% | 1,962 |
| Credit loss provision to net charge-offs | 165.8163% | 2,582 |
| Earnings coverage of net charge-offs (x) | 1.4464% | 4,011 |
| Efficiency ratio | 76.9980% | 3,329 |
| Assets per employee ($millions) | 8.9904% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,134 |
| Loan loss allowance to noncurrent loans | 70.7235% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 3,701 |
| Noncurrent loans to loans | 1.6235% | 3,842 |
| Net loans and leases to total assets | 78.5230% | 1,691 |
| Net loans and leases to deposits | 102.3734% | 1,139 |
| Net loans and leases to core deposits | 126.9364% | 1,851 |
| Total domestic deposits to total assets | 76.7025% | 6,361 |
| Equity capital to assets | 8.1130% | 6,660 |
| Core capital (leverage) ratio | 7.8917% | 6,633 |
| Tier 1 risk-based capital ratio | 10.0009% | 6,919 |
| Total risk-based capital ratio | 11.1173% | 6,964 |
| Memoranda: | ||
| Average total assets | $334,038,500 | 2,085 |
| Average earning assets | $313,812,500 | 2,041 |
| Average equity | $26,125,500 | 2,560 |
| Average total loans | $258,605,500 | 1,911 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1018% | 5,038 |
| Cost of funding earning assets | 3.4482% | 608 |
| Net interest margin | 2.6536% | 7,570 |
| Noninterest income to average assets | 0.4009% | 5,461 |
| Noninterest expense to average assets | 2.0652% | 7,312 |
| Loan and lease loss provision to assets | 0.3508% | 3,586 |
| Net operating income to assets | 0.3120% | 5,503 |
| Return on assets (ROA) | 0.4068% | 4,943 |
| Pretax return on assets | 0.5878% | 4,729 |
| Return on Equity (ROE) | 5.2079% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.2079% | 1,908 |
| Net charge-offs to loans | 0.3845% | 2,900 |
| Credit loss provision to net charge-offs | 117.7118% | 4,571 |
| Earnings coverage of net charge-offs (x) | 2.6887% | 4,738 |
| Efficiency ratio | 72.0494% | 3,925 |
| Assets per employee ($millions) | 10.1301% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,744 |
| Loan loss allowance to noncurrent loans | 56.4898% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.5754% | 3,088 |
| Noncurrent loans to loans | 1.8334% | 3,013 |
| Net loans and leases to total assets | 74.7401% | 2,933 |
| Net loans and leases to deposits | 93.5155% | 2,853 |
| Net loans and leases to core deposits | 122.5065% | 2,449 |
| Total domestic deposits to total assets | 79.9227% | 5,050 |
| Equity capital to assets | 7.5468% | 7,347 |
| Core capital (leverage) ratio | 7.9255% | 6,609 |
| Tier 1 risk-based capital ratio | 9.6239% | 7,181 |
| Total risk-based capital ratio | 10.6143% | 7,376 |
| Memoranda: | ||
| Average total assets | $305,059,000 | 2,177 |
| Average earning assets | $283,426,800 | 2,151 |
| Average equity | $23,829,200 | 2,751 |
| Average total loans | $236,427,200 | 1,998 |