Home > The Bank of Union > Performance and Condition Ratios
The Bank of Union, Performance and Condition Ratios
| 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 | 1.6710% | 6,736 |
| Cost of funding earning assets | 1.0567% | 346 |
| Net interest margin | 0.6143% | 6,779 |
| Noninterest income to average assets | 0.1687% | 6,074 |
| Noninterest expense to average assets | 2.6466% | 4,291 |
| Loan and lease loss provision to assets | 6.9154% | 2 |
| Net operating income to assets | -8.8093% | 6,810 |
| Return on assets (ROA) | -8.8093% | 6,810 |
| Pretax return on assets | -8.8093% | 6,810 |
| Return on Equity (ROE) | -147.0830% | 6,811 |
| Retained earnings to average equity (ytd only) | -147.2631% | 6,811 |
| Net charge-offs to loans | 0.0020% | 5,443 |
| Credit loss provision to net charge-offs | 416,666.6667% | 1 |
| Earnings coverage of net charge-offs (x) | -1,141.1667% | 5,473 |
| Efficiency ratio | 351.6354% | 8 |
| Assets per employee ($millions) | 5.0345% | 2,143 |
| Cash dividends to net income (ytd only)* | -0.1225% | 6,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.4575% | 2 |
| Loan loss allowance to noncurrent loans | 28.0436% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 48.5487% | 1 |
| Noncurrent loans to loans | 55.1194% | 1 |
| Net loans and leases to total assets | 74.4552% | 1,285 |
| Net loans and leases to deposits | 74.7685% | 3,136 |
| Net loans and leases to core deposits | 81.0115% | 3,006 |
| Total domestic deposits to total assets | 99.5810% | 2 |
| Equity capital to assets | 0.3840% | 6,809 |
| Core capital (leverage) ratio | 0.3462% | 6,809 |
| Tier 1 risk-based capital ratio | 0.4703% | 6,809 |
| Total risk-based capital ratio | 0.9405% | 6,809 |
| Memoranda: | ||
| Average total assets | $361,514,000 | 1,794 |
| Average earning assets | $343,626,000 | 1,738 |
| Average equity | $21,652,400 | 2,965 |
| Average total loans | $299,703,800 | 1,407 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4039% | 6,837 |
| Cost of funding earning assets | 1.0999% | 312 |
| Net interest margin | 0.3040% | 6,872 |
| Noninterest income to average assets | 0.1582% | 6,241 |
| Noninterest expense to average assets | 2.4916% | 4,751 |
| Loan and lease loss provision to assets | 8.9459% | 1 |
| Net operating income to assets | -10.9910% | 6,889 |
| Return on assets (ROA) | -10.9910% | 6,889 |
| Pretax return on assets | -10.9910% | 6,889 |
| Return on Equity (ROE) | -153.0298% | 6,889 |
| Retained earnings to average equity (ytd only) | -153.2241% | 6,889 |
| Net charge-offs to loans | -0.0499% | 6,307 |
| Credit loss provision to net charge-offs | -21,929.8246% | 6,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 557.9327% | 5 |
| Assets per employee ($millions) | 4.9456% | 2,245 |
| Cash dividends to net income (ytd only)* | -0.1270% | 6,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.7734% | 1 |
| Loan loss allowance to noncurrent loans | 28.7266% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 45.5346% | 1 |
| Noncurrent loans to loans | 51.4276% | 1 |
| Net loans and leases to total assets | 75.3800% | 1,086 |
| Net loans and leases to deposits | 75.9722% | 2,967 |
| Net loans and leases to core deposits | 92.4645% | 1,723 |
| Total domestic deposits to total assets | 99.2205% | 2 |
| Equity capital to assets | 0.7047% | 6,888 |
| Core capital (leverage) ratio | 0.6047% | 6,889 |
| Tier 1 risk-based capital ratio | 0.8842% | 6,889 |
| Total risk-based capital ratio | 1.7684% | 6,889 |
| Memoranda: | ||
| Average total assets | $372,599,500 | 1,762 |
| Average earning assets | $353,489,500 | 1,710 |
| Average equity | $26,761,000 | 2,505 |
| Average total loans | $304,797,750 | 1,389 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 1,086 |
| Cost of funding earning assets | 1.0516% | 428 |
| Net interest margin | 3.8523% | 2,371 |
| Noninterest income to average assets | 0.1305% | 6,402 |
| Noninterest expense to average assets | 2.1111% | 5,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6622% | 671 |
| Return on assets (ROA) | 1.6622% | 735 |
| Pretax return on assets | 1.6622% | 1,204 |
| Return on Equity (ROE) | 18.3996% | 429 |
| Retained earnings to average equity (ytd only) | 18.1761% | 122 |
| Net charge-offs to loans | -0.2980% | 6,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9473% | 5,971 |
| Assets per employee ($millions) | 5.7228% | 1,397 |
| Cash dividends to net income (ytd only)* | 1.2146% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2219% | 49 |
| Loan loss allowance to noncurrent loans | 17.0900% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 28.0540% | 4 |
| Noncurrent loans to loans | 36.4065% | 2 |
| Net loans and leases to total assets | 72.2069% | 1,543 |
| Net loans and leases to deposits | 79.6897% | 2,368 |
| Net loans and leases to core deposits | 96.9342% | 1,282 |
| Total domestic deposits to total assets | 90.6100% | 699 |
| Equity capital to assets | 9.3255% | 4,822 |
| Core capital (leverage) ratio | 9.3531% | 4,467 |
| Tier 1 risk-based capital ratio | 11.9959% | 5,793 |
| Total risk-based capital ratio | 13.3066% | 5,713 |
| Memoranda: | ||
| Average total assets | $386,347,000 | 1,713 |
| Average earning assets | $365,337,000 | 1,655 |
| Average equity | $34,903,000 | 1,994 |
| Average total loans | $308,705,670 | 1,370 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 782 |
| Cost of funding earning assets | 1.0513% | 469 |
| Net interest margin | 4.0241% | 1,697 |
| Noninterest income to average assets | 0.0748% | 6,657 |
| Noninterest expense to average assets | 2.0450% | 6,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8361% | 451 |
| Return on assets (ROA) | 1.8361% | 497 |
| Pretax return on assets | 1.8361% | 823 |
| Return on Equity (ROE) | 20.6609% | 251 |
| Retained earnings to average equity (ytd only) | 20.2049% | 133 |
| Net charge-offs to loans | -0.7751% | 6,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6908% | 6,340 |
| Assets per employee ($millions) | 5.7876% | 1,416 |
| Cash dividends to net income (ytd only)* | 2.2071% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0659% | 73 |
| Loan loss allowance to noncurrent loans | 21.1100% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 22.9762% | 15 |
| Noncurrent loans to loans | 28.7349% | 6 |
| Net loans and leases to total assets | 75.0373% | 958 |
| Net loans and leases to deposits | 82.5350% | 1,760 |
| Net loans and leases to core deposits | 103.7666% | 733 |
| Total domestic deposits to total assets | 90.9158% | 559 |
| Equity capital to assets | 9.0458% | 5,429 |
| Core capital (leverage) ratio | 8.9672% | 4,939 |
| Tier 1 risk-based capital ratio | 11.3737% | 6,247 |
| Total risk-based capital ratio | 12.6873% | 6,189 |
| Memoranda: | ||
| Average total assets | $384,945,500 | 1,738 |
| Average earning assets | $364,103,500 | 1,675 |
| Average equity | $34,209,500 | 2,060 |
| Average total loans | $313,240,500 | 1,361 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4707% | 134 |
| Cost of funding earning assets | 1.2896% | 391 |
| Net interest margin | 5.1811% | 279 |
| Noninterest income to average assets | 0.1679% | 6,188 |
| Noninterest expense to average assets | 1.8421% | 6,562 |
| Loan and lease loss provision to assets | 12.9110% | 1 |
| Net operating income to assets | -9.7002% | 7,080 |
| Return on assets (ROA) | -9.6248% | 7,079 |
| Pretax return on assets | -9.6248% | 7,079 |
| Return on Equity (ROE) | -100.0104% | 7,072 |
| Retained earnings to average equity (ytd only) | -113.6085% | 7,075 |
| Net charge-offs to loans | 10.9366% | 4 |
| Credit loss provision to net charge-offs | 134.9253% | 2,069 |
| Earnings coverage of net charge-offs (x) | 0.3355% | 5,309 |
| Efficiency ratio | 36.4559% | 6,985 |
| Assets per employee ($millions) | 5.7033% | 1,516 |
| Cash dividends to net income (ytd only)* | -13.5966% | 7,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7411% | 81 |
| Loan loss allowance to noncurrent loans | 39.9503% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 11.9368% | 145 |
| Noncurrent loans to loans | 14.3705% | 89 |
| Net loans and leases to total assets | 78.1260% | 659 |
| Net loans and leases to deposits | 85.6358% | 1,556 |
| Net loans and leases to core deposits | 103.9417% | 791 |
| Total domestic deposits to total assets | 91.2305% | 418 |
| Equity capital to assets | 8.7255% | 5,825 |
| Core capital (leverage) ratio | 7.8250% | 6,329 |
| Tier 1 risk-based capital ratio | 10.6782% | 6,485 |
| Total risk-based capital ratio | 11.9853% | 6,426 |
| Memoranda: | ||
| Average total assets | $397,816,400 | 1,643 |
| Average earning assets | $375,074,600 | 1,597 |
| Average equity | $38,285,000 | 1,818 |
| Average total loans | $348,070,200 | 1,208 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8254% | 95 |
| Cost of funding earning assets | 1.2889% | 460 |
| Net interest margin | 5.5366% | 165 |
| Noninterest income to average assets | 0.3495% | 5,016 |
| Noninterest expense to average assets | 1.7656% | 6,718 |
| Loan and lease loss provision to assets | 0.9790% | 421 |
| Net operating income to assets | 2.8213% | 123 |
| Return on assets (ROA) | 2.9209% | 116 |
| Pretax return on assets | 2.9209% | 170 |
| Return on Equity (ROE) | 29.6917% | 80 |
| Retained earnings to average equity (ytd only) | 16.5344% | 171 |
| Net charge-offs to loans | 0.5087% | 2,083 |
| Credit loss provision to net charge-offs | 217.2312% | 1,280 |
| Earnings coverage of net charge-offs (x) | 8.4323% | 2,444 |
| Efficiency ratio | 31.7214% | 7,113 |
| Assets per employee ($millions) | 6.2981% | 1,067 |
| Cash dividends to net income (ytd only)* | 44.3132% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7600% | 2,931 |
| Loan loss allowance to noncurrent loans | 183.5694% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 4,458 |
| Noncurrent loans to loans | 0.9588% | 4,516 |
| Net loans and leases to total assets | 88.3536% | 85 |
| Net loans and leases to deposits | 98.4384% | 520 |
| Net loans and leases to core deposits | 116.7075% | 371 |
| Total domestic deposits to total assets | 89.7552% | 968 |
| Equity capital to assets | 10.1954% | 4,212 |
| Core capital (leverage) ratio | 9.9125% | 3,678 |
| Tier 1 risk-based capital ratio | 11.4266% | 6,269 |
| Total risk-based capital ratio | 12.6832% | 6,237 |
| Memoranda: | ||
| Average total assets | $401,740,500 | 1,644 |
| Average earning assets | $378,516,750 | 1,596 |
| Average equity | $39,520,750 | 1,777 |
| Average total loans | $355,908,250 | 1,175 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8109% | 98 |
| Cost of funding earning assets | 1.2892% | 550 |
| Net interest margin | 5.5217% | 176 |
| Noninterest income to average assets | 0.3632% | 4,932 |
| Noninterest expense to average assets | 1.7380% | 6,811 |
| Loan and lease loss provision to assets | 1.0521% | 412 |
| Net operating income to assets | 2.7596% | 128 |
| Return on assets (ROA) | 2.7596% | 136 |
| Pretax return on assets | 2.7596% | 201 |
| Return on Equity (ROE) | 28.4052% | 94 |
| Retained earnings to average equity (ytd only) | 16.6780% | 197 |
| Net charge-offs to loans | 0.4019% | 2,417 |
| Credit loss provision to net charge-offs | 297.0297% | 985 |
| Earnings coverage of net charge-offs (x) | 10.7610% | 2,022 |
| Efficiency ratio | 31.3171% | 7,168 |
| Assets per employee ($millions) | 6.4693% | 975 |
| Cash dividends to net income (ytd only)* | 41.2854% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 3,007 |
| Loan loss allowance to noncurrent loans | 230.4109% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 5,017 |
| Noncurrent loans to loans | 0.7618% | 4,983 |
| Net loans and leases to total assets | 84.9115% | 181 |
| Net loans and leases to deposits | 94.0614% | 764 |
| Net loans and leases to core deposits | 114.1267% | 446 |
| Total domestic deposits to total assets | 90.2723% | 779 |
| Equity capital to assets | 9.6794% | 4,783 |
| Core capital (leverage) ratio | 9.7599% | 3,768 |
| Tier 1 risk-based capital ratio | 11.2454% | 6,372 |
| Total risk-based capital ratio | 12.5019% | 6,345 |
| Memoranda: | ||
| Average total assets | $399,194,330 | 1,656 |
| Average earning assets | $374,955,330 | 1,611 |
| Average equity | $38,781,670 | 1,792 |
| Average total loans | $351,817,330 | 1,191 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8659% | 100 |
| Cost of funding earning assets | 1.3102% | 609 |
| Net interest margin | 5.5557% | 166 |
| Noninterest income to average assets | 0.3502% | 5,058 |
| Noninterest expense to average assets | 1.7337% | 6,868 |
| Loan and lease loss provision to assets | 1.0720% | 374 |
| Net operating income to assets | 2.7832% | 128 |
| Return on assets (ROA) | 2.7832% | 152 |
| Pretax return on assets | 2.7832% | 234 |
| Return on Equity (ROE) | 28.5935% | 115 |
| Retained earnings to average equity (ytd only) | 28.1320% | 66 |
| Net charge-offs to loans | 0.2534% | 2,657 |
| Credit loss provision to net charge-offs | 475.1131% | 673 |
| Earnings coverage of net charge-offs (x) | 17.0860% | 1,322 |
| Efficiency ratio | 31.0194% | 7,229 |
| Assets per employee ($millions) | 6.4900% | 985 |
| Cash dividends to net income (ytd only)* | 1.6141% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 3,706 |
| Loan loss allowance to noncurrent loans | 72.8744% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.0021% | 2,893 |
| Noncurrent loans to loans | 2.1998% | 2,917 |
| Net loans and leases to total assets | 87.2088% | 87 |
| Net loans and leases to deposits | 96.7440% | 493 |
| Net loans and leases to core deposits | 117.9110% | 345 |
| Total domestic deposits to total assets | 90.1438% | 1,009 |
| Equity capital to assets | 9.8092% | 4,358 |
| Core capital (leverage) ratio | 9.8364% | 3,587 |
| Tier 1 risk-based capital ratio | 11.1448% | 6,473 |
| Total risk-based capital ratio | 12.4022% | 6,452 |
| Memoranda: | ||
| Average total assets | $391,773,500 | 1,695 |
| Average earning assets | $369,420,500 | 1,639 |
| Average equity | $38,134,500 | 1,825 |
| Average total loans | $348,803,500 | 1,206 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6403% | 151 |
| Cost of funding earning assets | 1.4407% | 877 |
| Net interest margin | 5.1996% | 285 |
| Noninterest income to average assets | 0.3269% | 5,203 |
| Noninterest expense to average assets | 1.9607% | 6,744 |
| Loan and lease loss provision to assets | 1.0542% | 876 |
| Net operating income to assets | 2.2362% | 215 |
| Return on assets (ROA) | 2.2362% | 225 |
| Pretax return on assets | 2.2362% | 341 |
| Return on Equity (ROE) | 23.8430% | 139 |
| Retained earnings to average equity (ytd only) | 15.1752% | 121 |
| Net charge-offs to loans | 0.6303% | 2,570 |
| Credit loss provision to net charge-offs | 195.6301% | 1,296 |
| Earnings coverage of net charge-offs (x) | 6.1062% | 2,596 |
| Efficiency ratio | 37.3397% | 7,241 |
| Assets per employee ($millions) | 6.0503% | 1,196 |
| Cash dividends to net income (ytd only)* | 36.3536% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,314 |
| Loan loss allowance to noncurrent loans | 61.3839% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.1444% | 2,795 |
| Noncurrent loans to loans | 2.3353% | 2,812 |
| Net loans and leases to total assets | 88.1743% | 74 |
| Net loans and leases to deposits | 97.6478% | 579 |
| Net loans and leases to core deposits | 115.0361% | 467 |
| Total domestic deposits to total assets | 90.2983% | 813 |
| Equity capital to assets | 9.6542% | 4,669 |
| Core capital (leverage) ratio | 9.6133% | 3,846 |
| Tier 1 risk-based capital ratio | 10.8243% | 6,544 |
| Total risk-based capital ratio | 12.0794% | 6,526 |
| Memoranda: | ||
| Average total assets | $365,217,800 | 1,775 |
| Average earning assets | $345,870,600 | 1,718 |
| Average equity | $34,253,200 | 1,957 |
| Average total loans | $312,239,600 | 1,359 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5393% | 188 |
| Cost of funding earning assets | 1.4843% | 922 |
| Net interest margin | 5.0551% | 373 |
| Noninterest income to average assets | 0.3185% | 5,318 |
| Noninterest expense to average assets | 1.8182% | 6,969 |
| Loan and lease loss provision to assets | 1.0335% | 817 |
| Net operating income to assets | 2.2652% | 226 |
| Return on assets (ROA) | 2.2652% | 244 |
| Pretax return on assets | 2.2652% | 384 |
| Return on Equity (ROE) | 24.3404% | 151 |
| Retained earnings to average equity (ytd only) | 15.2539% | 216 |
| Net charge-offs to loans | 0.6045% | 2,438 |
| Credit loss provision to net charge-offs | 202.4584% | 1,446 |
| Earnings coverage of net charge-offs (x) | 6.4621% | 2,548 |
| Efficiency ratio | 35.5334% | 7,322 |
| Assets per employee ($millions) | 6.0771% | 1,161 |
| Cash dividends to net income (ytd only)* | 37.3309% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 4,665 |
| Loan loss allowance to noncurrent loans | 158.4169% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 5,232 |
| Noncurrent loans to loans | 0.8678% | 5,128 |
| Net loans and leases to total assets | 84.2170% | 206 |
| Net loans and leases to deposits | 93.0133% | 919 |
| Net loans and leases to core deposits | 117.9879% | 440 |
| Total domestic deposits to total assets | 90.5430% | 609 |
| Equity capital to assets | 9.4047% | 5,236 |
| Core capital (leverage) ratio | 9.3662% | 4,354 |
| Tier 1 risk-based capital ratio | 10.9339% | 6,583 |
| Total risk-based capital ratio | 12.1855% | 6,557 |
| Memoranda: | ||
| Average total assets | $361,229,750 | 1,809 |
| Average earning assets | $342,880,500 | 1,738 |
| Average equity | $33,616,750 | 1,990 |
| Average total loans | $305,054,000 | 1,407 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6122% | 176 |
| Cost of funding earning assets | 1.5384% | 868 |
| Net interest margin | 5.0738% | 349 |
| Noninterest income to average assets | 0.3134% | 5,393 |
| Noninterest expense to average assets | 1.8616% | 6,994 |
| Loan and lease loss provision to assets | 1.0111% | 857 |
| Net operating income to assets | 2.2632% | 234 |
| Return on assets (ROA) | 2.2632% | 249 |
| Pretax return on assets | 2.2632% | 372 |
| Return on Equity (ROE) | 24.4103% | 151 |
| Retained earnings to average equity (ytd only) | 16.3220% | 189 |
| Net charge-offs to loans | 0.7773% | 1,950 |
| Credit loss provision to net charge-offs | 154.6392% | 1,972 |
| Earnings coverage of net charge-offs (x) | 5.0077% | 2,718 |
| Efficiency ratio | 36.2463% | 7,383 |
| Assets per employee ($millions) | 5.8237% | 1,290 |
| Cash dividends to net income (ytd only)* | 33.1348% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,617 |
| Loan loss allowance to noncurrent loans | 179.3205% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 5,706 |
| Noncurrent loans to loans | 0.6601% | 5,594 |
| Net loans and leases to total assets | 82.8730% | 311 |
| Net loans and leases to deposits | 91.4413% | 1,117 |
| Net loans and leases to core deposits | 111.1328% | 686 |
| Total domestic deposits to total assets | 90.6297% | 665 |
| Equity capital to assets | 9.3199% | 5,115 |
| Core capital (leverage) ratio | 9.1408% | 4,503 |
| Tier 1 risk-based capital ratio | 10.9651% | 6,558 |
| Total risk-based capital ratio | 12.1381% | 6,576 |
| Memoranda: | ||
| Average total assets | $356,046,330 | 1,841 |
| Average earning assets | $338,404,000 | 1,768 |
| Average equity | $33,010,670 | 2,004 |
| Average total loans | $299,493,330 | 1,453 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7206% | 159 |
| Cost of funding earning assets | 1.6480% | 679 |
| Net interest margin | 5.0726% | 327 |
| Noninterest income to average assets | 0.3217% | 5,348 |
| Noninterest expense to average assets | 1.8493% | 7,073 |
| Loan and lease loss provision to assets | 0.8556% | 961 |
| Net operating income to assets | 2.4311% | 194 |
| Return on assets (ROA) | 2.4311% | 199 |
| Pretax return on assets | 2.4311% | 271 |
| Return on Equity (ROE) | 26.2932% | 133 |
| Retained earnings to average equity (ytd only) | 24.3067% | 110 |
| Net charge-offs to loans | 0.6703% | 1,867 |
| Credit loss provision to net charge-offs | 151.5152% | 1,891 |
| Earnings coverage of net charge-offs (x) | 5.8202% | 2,205 |
| Efficiency ratio | 36.0062% | 7,445 |
| Assets per employee ($millions) | 6.2080% | 1,069 |
| Cash dividends to net income (ytd only)* | 7.5551% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 6,099 |
| Loan loss allowance to noncurrent loans | 150.1381% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 5,706 |
| Noncurrent loans to loans | 0.7230% | 5,564 |
| Net loans and leases to total assets | 82.5231% | 305 |
| Net loans and leases to deposits | 91.0223% | 1,119 |
| Net loans and leases to core deposits | 108.4759% | 818 |
| Total domestic deposits to total assets | 90.6625% | 773 |
| Equity capital to assets | 9.2828% | 4,759 |
| Core capital (leverage) ratio | 9.1686% | 4,341 |
| Tier 1 risk-based capital ratio | 11.0799% | 6,451 |
| Total risk-based capital ratio | 12.1643% | 6,542 |
| Memoranda: | ||
| Average total assets | $350,622,500 | 1,880 |
| Average earning assets | $332,766,500 | 1,802 |
| Average equity | $32,419,000 | 2,016 |
| Average total loans | $295,391,000 | 1,487 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2240% | 110 |
| Cost of funding earning assets | 2.2404% | 265 |
| Net interest margin | 4.9836% | 446 |
| Noninterest income to average assets | 0.3282% | 5,440 |
| Noninterest expense to average assets | 2.2530% | 6,470 |
| Loan and lease loss provision to assets | 0.6107% | 2,691 |
| Net operating income to assets | 2.1806% | 204 |
| Return on assets (ROA) | 2.3221% | 155 |
| Pretax return on assets | 2.3221% | 244 |
| Return on Equity (ROE) | 25.7061% | 94 |
| Retained earnings to average equity (ytd only) | 14.4256% | 146 |
| Net charge-offs to loans | 0.5827% | 3,297 |
| Credit loss provision to net charge-offs | 124.0300% | 3,332 |
| Earnings coverage of net charge-offs (x) | 5.6690% | 2,563 |
| Efficiency ratio | 44.6643% | 7,394 |
| Assets per employee ($millions) | 5.8824% | 1,296 |
| Cash dividends to net income (ytd only)* | 43.8827% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 6,217 |
| Loan loss allowance to noncurrent loans | 52.6999% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.7234% | 3,719 |
| Noncurrent loans to loans | 1.9643% | 3,613 |
| Net loans and leases to total assets | 84.2307% | 282 |
| Net loans and leases to deposits | 92.8431% | 1,159 |
| Net loans and leases to core deposits | 116.6935% | 616 |
| Total domestic deposits to total assets | 90.7237% | 733 |
| Equity capital to assets | 9.2074% | 4,830 |
| Core capital (leverage) ratio | 9.2176% | 4,143 |
| Tier 1 risk-based capital ratio | 10.7184% | 6,558 |
| Total risk-based capital ratio | 11.7461% | 6,683 |
| Memoranda: | ||
| Average total assets | $324,538,800 | 2,001 |
| Average earning assets | $307,128,600 | 1,939 |
| Average equity | $29,316,000 | 2,225 |
| Average total loans | $274,243,400 | 1,630 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3783% | 95 |
| Cost of funding earning assets | 2.2900% | 282 |
| Net interest margin | 5.0883% | 366 |
| Noninterest income to average assets | 0.3546% | 5,327 |
| Noninterest expense to average assets | 1.8440% | 7,278 |
| Loan and lease loss provision to assets | 0.5335% | 2,805 |
| Net operating income to assets | 2.8020% | 98 |
| Return on assets (ROA) | 2.9993% | 85 |
| Pretax return on assets | 2.9993% | 120 |
| Return on Equity (ROE) | 33.3747% | 32 |
| Retained earnings to average equity (ytd only) | 20.7788% | 70 |
| Net charge-offs to loans | 0.6351% | 2,845 |
| Credit loss provision to net charge-offs | 99.6115% | 4,382 |
| Earnings coverage of net charge-offs (x) | 6.2277% | 2,566 |
| Efficiency ratio | 35.6018% | 7,637 |
| Assets per employee ($millions) | 5.7042% | 1,457 |
| Cash dividends to net income (ytd only)* | 37.7411% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 6,689 |
| Loan loss allowance to noncurrent loans | 50.7761% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.6301% | 3,999 |
| Noncurrent loans to loans | 1.8029% | 3,943 |
| Net loans and leases to total assets | 85.6153% | 234 |
| Net loans and leases to deposits | 94.8400% | 1,115 |
| Net loans and leases to core deposits | 119.1760% | 639 |
| Total domestic deposits to total assets | 90.2734% | 739 |
| Equity capital to assets | 9.6087% | 4,675 |
| Core capital (leverage) ratio | 9.5869% | 3,787 |
| Tier 1 risk-based capital ratio | 10.9982% | 6,390 |
| Total risk-based capital ratio | 11.9088% | 6,656 |
| Memoranda: | ||
| Average total assets | $320,378,000 | 2,062 |
| Average earning assets | $303,801,750 | 1,984 |
| Average equity | $28,791,500 | 2,288 |
| Average total loans | $270,207,750 | 1,666 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8129% | 73 |
| Cost of funding earning assets | 2.3055% | 331 |
| Net interest margin | 5.5075% | 166 |
| Noninterest income to average assets | 0.3566% | 5,294 |
| Noninterest expense to average assets | 1.8170% | 7,371 |
| Loan and lease loss provision to assets | 0.5238% | 2,694 |
| Net operating income to assets | 3.2264% | 66 |
| Return on assets (ROA) | 3.5255% | 60 |
| Pretax return on assets | 3.5255% | 88 |
| Return on Equity (ROE) | 40.1986% | 24 |
| Retained earnings to average equity (ytd only) | 33.9018% | 18 |
| Net charge-offs to loans | 0.6732% | 2,536 |
| Credit loss provision to net charge-offs | 93.0493% | 4,332 |
| Earnings coverage of net charge-offs (x) | 6.6614% | 2,421 |
| Efficiency ratio | 32.6380% | 7,729 |
| Assets per employee ($millions) | 5.9065% | 1,294 |
| Cash dividends to net income (ytd only)* | 15.6642% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,612 |
| Loan loss allowance to noncurrent loans | 231.4647% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 6,484 |
| Noncurrent loans to loans | 0.4081% | 6,430 |
| Net loans and leases to total assets | 82.6275% | 475 |
| Net loans and leases to deposits | 91.7519% | 1,571 |
| Net loans and leases to core deposits | 119.0653% | 725 |
| Total domestic deposits to total assets | 90.0553% | 902 |
| Equity capital to assets | 9.8264% | 4,235 |
| Core capital (leverage) ratio | 9.7918% | 3,417 |
| Tier 1 risk-based capital ratio | 11.6057% | 5,670 |
| Total risk-based capital ratio | 12.5391% | 5,937 |
| Memoranda: | ||
| Average total assets | $316,889,000 | 2,100 |
| Average earning assets | $299,811,000 | 2,029 |
| Average equity | $27,792,000 | 2,348 |
| Average total loans | $264,986,670 | 1,713 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8382% | 214 |
| Cost of funding earning assets | 2.3139% | 414 |
| Net interest margin | 4.5244% | 1,091 |
| Noninterest income to average assets | 0.3618% | 5,247 |
| Noninterest expense to average assets | 1.7680% | 7,502 |
| Loan and lease loss provision to assets | 0.3835% | 3,065 |
| Net operating income to assets | 2.4621% | 156 |
| Return on assets (ROA) | 3.0680% | 95 |
| Pretax return on assets | 3.0680% | 133 |
| Return on Equity (ROE) | 37.3149% | 44 |
| Retained earnings to average equity (ytd only) | 30.5205% | 62 |
| Net charge-offs to loans | 0.6046% | 2,303 |
| Credit loss provision to net charge-offs | 75.7576% | 3,981 |
| Earnings coverage of net charge-offs (x) | 5.6212% | 2,358 |
| Efficiency ratio | 38.3209% | 7,767 |
| Assets per employee ($millions) | 5.9856% | 1,265 |
| Cash dividends to net income (ytd only)* | 18.2083% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 6,629 |
| Loan loss allowance to noncurrent loans | 218.8908% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 6,459 |
| Noncurrent loans to loans | 0.4400% | 6,417 |
| Net loans and leases to total assets | 81.8710% | 607 |
| Net loans and leases to deposits | 90.2823% | 1,864 |
| Net loans and leases to core deposits | 121.3560% | 732 |
| Total domestic deposits to total assets | 90.6833% | 664 |
| Equity capital to assets | 9.1881% | 5,001 |
| Core capital (leverage) ratio | 9.1079% | 4,360 |
| Tier 1 risk-based capital ratio | 10.9914% | 6,164 |
| Total risk-based capital ratio | 11.9461% | 6,436 |
| Memoranda: | ||
| Average total assets | $312,904,500 | 2,176 |
| Average earning assets | $294,052,000 | 2,123 |
| Average equity | $25,727,000 | 2,539 |
| Average total loans | $261,989,000 | 1,789 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0467% | 262 |
| Cost of funding earning assets | 2.2400% | 1,870 |
| Net interest margin | 4.8067% | 686 |
| Noninterest income to average assets | 0.4292% | 4,972 |
| Noninterest expense to average assets | 2.1029% | 7,180 |
| Loan and lease loss provision to assets | 1.2485% | 1,851 |
| Net operating income to assets | 1.6423% | 492 |
| Return on assets (ROA) | -0.3393% | 6,004 |
| Pretax return on assets | -0.3393% | 5,868 |
| Return on Equity (ROE) | -4.8932% | 6,202 |
| Retained earnings to average equity (ytd only) | -17.8825% | 7,026 |
| Net charge-offs to loans | 0.6833% | 3,137 |
| Credit loss provision to net charge-offs | 224.0455% | 1,675 |
| Earnings coverage of net charge-offs (x) | 5.1875% | 2,665 |
| Efficiency ratio | 42.1108% | 7,824 |
| Assets per employee ($millions) | 6.0504% | 1,216 |
| Cash dividends to net income (ytd only)* | -265.4565% | 7,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,371 |
| Loan loss allowance to noncurrent loans | 439.1960% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 6,874 |
| Noncurrent loans to loans | 0.2281% | 6,861 |
| Net loans and leases to total assets | 83.9691% | 434 |
| Net loans and leases to deposits | 91.5850% | 1,948 |
| Net loans and leases to core deposits | 147.1485% | 583 |
| Total domestic deposits to total assets | 91.6843% | 333 |
| Equity capital to assets | 7.2288% | 7,242 |
| Core capital (leverage) ratio | 7.2731% | 7,007 |
| Tier 1 risk-based capital ratio | 8.3299% | 7,608 |
| Total risk-based capital ratio | 9.3173% | 7,655 |
| Memoranda: | ||
| Average total assets | $267,918,200 | 2,442 |
| Average earning assets | $254,415,800 | 2,368 |
| Average equity | $18,576,800 | 3,412 |
| Average total loans | $218,487,400 | 2,116 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3301% | 184 |
| Cost of funding earning assets | 2.3210% | 1,903 |
| Net interest margin | 5.0092% | 431 |
| Noninterest income to average assets | 0.4309% | 5,033 |
| Noninterest expense to average assets | 1.9418% | 7,480 |
| Loan and lease loss provision to assets | 0.5975% | 3,001 |
| Net operating income to assets | 2.6541% | 84 |
| Return on assets (ROA) | 0.3119% | 4,860 |
| Pretax return on assets | 0.3119% | 5,025 |
| Return on Equity (ROE) | 4.5565% | 4,136 |
| Retained earnings to average equity (ytd only) | -10.7453% | 6,867 |
| Net charge-offs to loans | 0.6311% | 2,789 |
| Credit loss provision to net charge-offs | 117.4975% | 4,330 |
| Earnings coverage of net charge-offs (x) | 6.3947% | 2,614 |
| Efficiency ratio | 37.3904% | 7,959 |
| Assets per employee ($millions) | 5.3356% | 1,753 |
| Cash dividends to net income (ytd only)* | 335.8205% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3869% | 7,834 |
| Loan loss allowance to noncurrent loans | 95.5375% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 6,451 |
| Noncurrent loans to loans | 0.4049% | 6,531 |
| Net loans and leases to total assets | 82.6542% | 720 |
| Net loans and leases to deposits | 93.0100% | 2,061 |
| Net loans and leases to core deposits | 145.3952% | 713 |
| Total domestic deposits to total assets | 88.8659% | 1,262 |
| Equity capital to assets | 7.9639% | 6,882 |
| Core capital (leverage) ratio | 8.5592% | 5,376 |
| Tier 1 risk-based capital ratio | 9.7398% | 7,206 |
| Total risk-based capital ratio | 10.1218% | 7,687 |
| Memoranda: | ||
| Average total assets | $257,754,750 | 2,548 |
| Average earning assets | $245,064,750 | 2,468 |
| Average equity | $17,644,500 | 3,587 |
| Average total loans | $207,677,500 | 2,246 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3712% | 185 |
| Cost of funding earning assets | 2.5102% | 1,576 |
| Net interest margin | 4.8610% | 586 |
| Noninterest income to average assets | 0.4051% | 5,241 |
| Noninterest expense to average assets | 1.9076% | 7,613 |
| Loan and lease loss provision to assets | 0.5003% | 3,034 |
| Net operating income to assets | 2.6113% | 91 |
| Return on assets (ROA) | -1.0714% | 7,033 |
| Pretax return on assets | -1.0714% | 6,866 |
| Return on Equity (ROE) | -16.7390% | 7,409 |
| Retained earnings to average equity (ytd only) | -34.9143% | 7,763 |
| Net charge-offs to loans | 0.5855% | 2,576 |
| Credit loss provision to net charge-offs | 107.3298% | 4,300 |
| Earnings coverage of net charge-offs (x) | 6.6754% | 2,571 |
| Efficiency ratio | 38.0065% | 8,048 |
| Assets per employee ($millions) | 4.7478% | 2,402 |
| Cash dividends to net income (ytd only)* | -108.5801% | 8,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3809% | 7,920 |
| Loan loss allowance to noncurrent loans | 178.4615% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 6,597 |
| Noncurrent loans to loans | 0.2134% | 6,980 |
| Net loans and leases to total assets | 84.4000% | 580 |
| Net loans and leases to deposits | 92.4086% | 2,392 |
| Net loans and leases to core deposits | 148.5531% | 690 |
| Total domestic deposits to total assets | 91.3334% | 357 |
| Equity capital to assets | 6.0361% | 7,921 |
| Core capital (leverage) ratio | 5.8795% | 7,947 |
| Tier 1 risk-based capital ratio | 6.0067% | 8,056 |
| Total risk-based capital ratio | 6.3238% | 8,103 |
| Memoranda: | ||
| Average total assets | $245,853,000 | 2,683 |
| Average earning assets | $233,366,670 | 2,592 |
| Average equity | $15,735,670 | 3,972 |
| Average total loans | $195,737,000 | 2,392 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2536% | 238 |
| Cost of funding earning assets | 2.6423% | 1,440 |
| Net interest margin | 4.6114% | 924 |
| Noninterest income to average assets | 0.4050% | 5,175 |
| Noninterest expense to average assets | 1.8406% | 7,646 |
| Loan and lease loss provision to assets | 0.4610% | 2,626 |
| Net operating income to assets | 2.4794% | 140 |
| Return on assets (ROA) | -4.9835% | 8,031 |
| Pretax return on assets | -4.9835% | 7,985 |
| Return on Equity (ROE) | -75.6325% | 8,113 |
| Retained earnings to average equity (ytd only) | -93.5724% | 8,142 |
| Net charge-offs to loans | 0.5048% | 2,199 |
| Credit loss provision to net charge-offs | 118.6441% | 3,302 |
| Earnings coverage of net charge-offs (x) | 7.5678% | 2,327 |
| Efficiency ratio | 38.4986% | 8,078 |
| Assets per employee ($millions) | 4.7569% | 2,353 |
| Cash dividends to net income (ytd only)* | -23.7199% | 8,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4135% | 7,929 |
| Loan loss allowance to noncurrent loans | 110.2981% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 5,590 |
| Noncurrent loans to loans | 0.3749% | 6,482 |
| Net loans and leases to total assets | 77.7586% | 1,879 |
| Net loans and leases to deposits | 82.5811% | 4,196 |
| Net loans and leases to core deposits | 131.7099% | 1,554 |
| Total domestic deposits to total assets | 94.1602% | 34 |
| Equity capital to assets | 5.6934% | 8,041 |
| Core capital (leverage) ratio | 5.8606% | 8,027 |
| Tier 1 risk-based capital ratio | 5.8061% | 8,148 |
| Total risk-based capital ratio | 6.1347% | 8,172 |
| Memoranda: | ||
| Average total assets | $242,962,500 | 2,736 |
| Average earning assets | $230,560,500 | 2,642 |
| Average equity | $16,009,000 | 3,941 |
| Average total loans | $187,010,000 | 2,509 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2433% | 668 |
| Cost of funding earning assets | 3.0382% | 1,718 |
| Net interest margin | 4.2051% | 2,294 |
| Noninterest income to average assets | 0.4351% | 5,169 |
| Noninterest expense to average assets | 2.1992% | 6,964 |
| Loan and lease loss provision to assets | 0.4472% | 3,053 |
| Net operating income to assets | 1.7361% | 626 |
| Return on assets (ROA) | 0.3738% | 5,066 |
| Pretax return on assets | 0.3738% | 5,326 |
| Return on Equity (ROE) | 3.9626% | 4,839 |
| Retained earnings to average equity (ytd only) | -9.7974% | 7,057 |
| Net charge-offs to loans | 0.5596% | 2,137 |
| Credit loss provision to net charge-offs | 107.8918% | 4,978 |
| Earnings coverage of net charge-offs (x) | 5.2672% | 3,709 |
| Efficiency ratio | 50.1813% | 7,652 |
| Assets per employee ($millions) | 4.9747% | 1,965 |
| Cash dividends to net income (ytd only)* | 347.2500% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4346% | 7,938 |
| Loan loss allowance to noncurrent loans | 88.1007% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 4,879 |
| Noncurrent loans to loans | 0.4933% | 5,871 |
| Net loans and leases to total assets | 75.4437% | 2,773 |
| Net loans and leases to deposits | 96.6951% | 2,338 |
| Net loans and leases to core deposits | 132.9417% | 1,658 |
| Total domestic deposits to total assets | 78.0223% | 5,705 |
| Equity capital to assets | 7.5549% | 7,336 |
| Core capital (leverage) ratio | 7.7890% | 6,818 |
| Tier 1 risk-based capital ratio | 6.9854% | 8,171 |
| Total risk-based capital ratio | 7.2821% | 8,232 |
| Memoranda: | ||
| Average total assets | $213,990,400 | 2,950 |
| Average earning assets | $200,874,200 | 2,884 |
| Average equity | $20,189,000 | 3,199 |
| Average total loans | $158,500,000 | 2,791 |