Home > The Braintree Co-operative Bank > Performance and Condition Ratios
The Braintree Co-operative Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3518% | 5,037 |
| Cost of funding earning assets | 0.2438% | 4,620 |
| Net interest margin | 3.1079% | 4,692 |
| Noninterest income to average assets | 0.4820% | 3,140 |
| Noninterest expense to average assets | 3.9113% | 584 |
| Loan and lease loss provision to assets | 0.1726% | 1,167 |
| Net operating income to assets | -0.4093% | 5,618 |
| Return on assets (ROA) | -0.3843% | 5,615 |
| Pretax return on assets | -0.6813% | 5,641 |
| Return on Equity (ROE) | -4.8615% | 5,632 |
| Retained earnings to average equity (ytd only) | -4.8615% | 5,539 |
| Net charge-offs to loans | -0.0114% | 4,669 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2848% | 72 |
| Assets per employee ($millions) | 5.5918% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 4,171 |
| Loan loss allowance to noncurrent loans | 101.8460% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,681 |
| Noncurrent loans to loans | 0.9649% | 1,996 |
| Net loans and leases to total assets | 62.6730% | 3,584 |
| Net loans and leases to deposits | 68.1502% | 4,105 |
| Net loans and leases to core deposits | 70.5721% | 4,210 |
| Total domestic deposits to total assets | 91.9630% | 62 |
| Equity capital to assets | 7.7862% | 5,576 |
| Core capital (leverage) ratio | 7.4856% | 5,621 |
| Tier 1 risk-based capital ratio | 11.5724% | 4,907 |
| Total risk-based capital ratio | 12.5398% | 4,976 |
| Memoranda: | ||
| Average total assets | $259,482,500 | 2,432 |
| Average earning assets | $240,583,250 | 2,434 |
| Average equity | $20,514,500 | 3,101 |
| Average total loans | $163,766,000 | 2,503 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3234% | 5,072 |
| Cost of funding earning assets | 0.2419% | 4,622 |
| Net interest margin | 3.0815% | 4,722 |
| Noninterest income to average assets | 0.4657% | 3,247 |
| Noninterest expense to average assets | 3.0841% | 1,877 |
| Loan and lease loss provision to assets | 0.2421% | 698 |
| Net operating income to assets | 0.0692% | 5,518 |
| Return on assets (ROA) | 0.1276% | 5,465 |
| Pretax return on assets | 0.0569% | 5,526 |
| Return on Equity (ROE) | 1.6057% | 5,395 |
| Retained earnings to average equity (ytd only) | 1.6057% | 4,613 |
| Net charge-offs to loans | -0.0061% | 4,379 |
| Credit loss provision to net charge-offs | -6,300.0000% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7647% | 334 |
| Assets per employee ($millions) | 5.6214% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 4,358 |
| Loan loss allowance to noncurrent loans | 102.3468% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 2,792 |
| Noncurrent loans to loans | 0.9395% | 2,089 |
| Net loans and leases to total assets | 62.5350% | 3,570 |
| Net loans and leases to deposits | 68.1756% | 4,054 |
| Net loans and leases to core deposits | 70.6185% | 4,187 |
| Total domestic deposits to total assets | 91.7264% | 99 |
| Equity capital to assets | 8.0930% | 5,491 |
| Core capital (leverage) ratio | 8.0032% | 5,522 |
| Tier 1 risk-based capital ratio | 12.5159% | 4,295 |
| Total risk-based capital ratio | 13.4703% | 4,360 |
| Memoranda: | ||
| Average total assets | $260,235,330 | 2,437 |
| Average earning assets | $241,441,670 | 2,434 |
| Average equity | $20,676,670 | 3,091 |
| Average total loans | $164,084,670 | 2,506 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3192% | 5,073 |
| Cost of funding earning assets | 0.2409% | 4,626 |
| Net interest margin | 3.0784% | 4,715 |
| Noninterest income to average assets | 0.4535% | 3,290 |
| Noninterest expense to average assets | 3.1196% | 1,810 |
| Loan and lease loss provision to assets | 0.0337% | 3,111 |
| Net operating income to assets | 0.1747% | 5,425 |
| Return on assets (ROA) | 0.2038% | 5,404 |
| Pretax return on assets | 0.1885% | 5,445 |
| Return on Equity (ROE) | 2.5886% | 5,207 |
| Retained earnings to average equity (ytd only) | 2.5886% | 4,103 |
| Net charge-offs to loans | -0.0073% | 4,299 |
| Credit loss provision to net charge-offs | -733.3333% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1721% | 377 |
| Assets per employee ($millions) | 5.7572% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 5,154 |
| Loan loss allowance to noncurrent loans | 109.8191% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 3,404 |
| Noncurrent loans to loans | 0.6991% | 2,746 |
| Net loans and leases to total assets | 63.6114% | 3,320 |
| Net loans and leases to deposits | 69.3375% | 3,869 |
| Net loans and leases to core deposits | 71.8208% | 3,999 |
| Total domestic deposits to total assets | 91.7417% | 139 |
| Equity capital to assets | 7.9850% | 5,528 |
| Core capital (leverage) ratio | 8.0111% | 5,558 |
| Tier 1 risk-based capital ratio | 11.6152% | 4,966 |
| Total risk-based capital ratio | 12.3358% | 5,167 |
| Memoranda: | ||
| Average total assets | $261,061,500 | 2,460 |
| Average earning assets | $242,467,500 | 2,454 |
| Average equity | $20,551,500 | 3,119 |
| Average total loans | $164,489,500 | 2,518 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2698% | 5,206 |
| Cost of funding earning assets | 0.2575% | 4,495 |
| Net interest margin | 3.0123% | 4,932 |
| Noninterest income to average assets | 0.5834% | 2,748 |
| Noninterest expense to average assets | 3.0780% | 2,102 |
| Loan and lease loss provision to assets | 0.0833% | 2,691 |
| Net operating income to assets | 0.2070% | 5,405 |
| Return on assets (ROA) | 0.2220% | 5,441 |
| Pretax return on assets | 0.2290% | 5,461 |
| Return on Equity (ROE) | 2.7520% | 5,226 |
| Retained earnings to average equity (ytd only) | 2.7520% | 3,941 |
| Net charge-offs to loans | 0.0769% | 2,595 |
| Credit loss provision to net charge-offs | 172.0000% | 1,616 |
| Earnings coverage of net charge-offs (x) | 6.1280% | 3,228 |
| Efficiency ratio | 91.2065% | 497 |
| Assets per employee ($millions) | 5.7185% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 5,192 |
| Loan loss allowance to noncurrent loans | 129.1322% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,807 |
| Noncurrent loans to loans | 0.5942% | 3,071 |
| Net loans and leases to total assets | 61.4537% | 3,663 |
| Net loans and leases to deposits | 66.8373% | 4,182 |
| Net loans and leases to core deposits | 69.1831% | 4,311 |
| Total domestic deposits to total assets | 91.9453% | 106 |
| Equity capital to assets | 7.7613% | 5,649 |
| Core capital (leverage) ratio | 7.8065% | 5,684 |
| Tier 1 risk-based capital ratio | 11.7288% | 4,907 |
| Total risk-based capital ratio | 12.4470% | 5,116 |
| Memoranda: | ||
| Average total assets | $258,121,600 | 2,452 |
| Average earning assets | $239,189,200 | 2,448 |
| Average equity | $20,821,400 | 3,081 |
| Average total loans | $162,559,400 | 2,494 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 5,242 |
| Cost of funding earning assets | 0.2618% | 4,484 |
| Net interest margin | 3.0149% | 4,986 |
| Noninterest income to average assets | 0.5761% | 2,784 |
| Noninterest expense to average assets | 3.0887% | 2,057 |
| Loan and lease loss provision to assets | 0.1048% | 2,177 |
| Net operating income to assets | 0.1796% | 5,499 |
| Return on assets (ROA) | 0.1988% | 5,530 |
| Pretax return on assets | 0.1931% | 5,576 |
| Return on Equity (ROE) | 2.4406% | 5,368 |
| Retained earnings to average equity (ytd only) | 2.4406% | 4,456 |
| Net charge-offs to loans | 0.0591% | 2,503 |
| Credit loss provision to net charge-offs | 280.5556% | 1,097 |
| Earnings coverage of net charge-offs (x) | 7.4581% | 2,874 |
| Efficiency ratio | 91.7232% | 475 |
| Assets per employee ($millions) | 5.6371% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 5,214 |
| Loan loss allowance to noncurrent loans | 144.1341% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 4,028 |
| Noncurrent loans to loans | 0.5479% | 3,355 |
| Net loans and leases to total assets | 62.5000% | 3,589 |
| Net loans and leases to deposits | 68.2287% | 4,128 |
| Net loans and leases to core deposits | 70.6898% | 4,269 |
| Total domestic deposits to total assets | 91.6038% | 109 |
| Equity capital to assets | 8.1864% | 5,676 |
| Core capital (leverage) ratio | 7.9315% | 5,712 |
| Tier 1 risk-based capital ratio | 11.6625% | 5,002 |
| Total risk-based capital ratio | 12.4015% | 5,198 |
| Memoranda: | ||
| Average total assets | $256,889,500 | 2,461 |
| Average earning assets | $237,834,250 | 2,454 |
| Average equity | $20,922,750 | 3,099 |
| Average total loans | $162,473,250 | 2,495 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 5,354 |
| Cost of funding earning assets | 0.2620% | 4,527 |
| Net interest margin | 2.9951% | 5,093 |
| Noninterest income to average assets | 0.5670% | 2,812 |
| Noninterest expense to average assets | 3.0959% | 2,074 |
| Loan and lease loss provision to assets | 0.1359% | 1,675 |
| Net operating income to assets | 0.1351% | 5,626 |
| Return on assets (ROA) | 0.1640% | 5,638 |
| Pretax return on assets | 0.1406% | 5,679 |
| Return on Equity (ROE) | 2.0172% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.0172% | 4,552 |
| Net charge-offs to loans | 0.0604% | 2,329 |
| Credit loss provision to net charge-offs | 355.1020% | 846 |
| Earnings coverage of net charge-offs (x) | 6.4694% | 2,735 |
| Efficiency ratio | 92.5952% | 471 |
| Assets per employee ($millions) | 5.5661% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 5,346 |
| Loan loss allowance to noncurrent loans | 102.5539% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 3,573 |
| Noncurrent loans to loans | 0.7515% | 2,867 |
| Net loans and leases to total assets | 64.6217% | 3,278 |
| Net loans and leases to deposits | 71.5869% | 3,823 |
| Net loans and leases to core deposits | 74.2380% | 3,963 |
| Total domestic deposits to total assets | 90.2703% | 394 |
| Equity capital to assets | 8.2940% | 5,699 |
| Core capital (leverage) ratio | 7.9233% | 5,769 |
| Tier 1 risk-based capital ratio | 11.6571% | 5,058 |
| Total risk-based capital ratio | 12.3988% | 5,256 |
| Memoranda: | ||
| Average total assets | $256,083,670 | 2,480 |
| Average earning assets | $237,390,670 | 2,477 |
| Average equity | $20,821,000 | 3,115 |
| Average total loans | $162,178,670 | 2,506 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2211% | 5,455 |
| Cost of funding earning assets | 0.2697% | 4,502 |
| Net interest margin | 2.9514% | 5,214 |
| Noninterest income to average assets | 0.5388% | 2,875 |
| Noninterest expense to average assets | 3.0831% | 2,140 |
| Loan and lease loss provision to assets | 0.1171% | 1,796 |
| Net operating income to assets | 0.1156% | 5,656 |
| Return on assets (ROA) | 0.1265% | 5,692 |
| Pretax return on assets | 0.0843% | 5,755 |
| Return on Equity (ROE) | 1.5718% | 5,598 |
| Retained earnings to average equity (ytd only) | 1.5718% | 4,639 |
| Net charge-offs to loans | 0.1251% | 1,358 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 2.4400% | 2,680 |
| Efficiency ratio | 94.1794% | 440 |
| Assets per employee ($millions) | 5.6157% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 5,518 |
| Loan loss allowance to noncurrent loans | 90.9440% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 3,427 |
| Noncurrent loans to loans | 0.8139% | 2,804 |
| Net loans and leases to total assets | 61.5120% | 3,590 |
| Net loans and leases to deposits | 67.0511% | 4,150 |
| Net loans and leases to core deposits | 69.7091% | 4,261 |
| Total domestic deposits to total assets | 91.7390% | 133 |
| Equity capital to assets | 8.0798% | 5,793 |
| Core capital (leverage) ratio | 7.8405% | 5,832 |
| Tier 1 risk-based capital ratio | 11.8724% | 4,992 |
| Total risk-based capital ratio | 12.5741% | 5,236 |
| Memoranda: | ||
| Average total assets | $256,105,000 | 2,493 |
| Average earning assets | $237,309,000 | 2,485 |
| Average equity | $20,613,500 | 3,138 |
| Average total loans | $159,896,500 | 2,528 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 5,414 |
| Cost of funding earning assets | 0.2876% | 4,392 |
| Net interest margin | 2.9725% | 5,202 |
| Noninterest income to average assets | 0.5324% | 3,126 |
| Noninterest expense to average assets | 3.2149% | 1,931 |
| Loan and lease loss provision to assets | 0.0514% | 3,293 |
| Net operating income to assets | 0.0730% | 5,787 |
| Return on assets (ROA) | 0.1057% | 5,789 |
| Pretax return on assets | 0.0483% | 5,849 |
| Return on Equity (ROE) | 1.3089% | 5,718 |
| Retained earnings to average equity (ytd only) | 1.3089% | 4,975 |
| Net charge-offs to loans | 0.0625% | 2,977 |
| Credit loss provision to net charge-offs | 130.3030% | 2,009 |
| Earnings coverage of net charge-offs (x) | 1.6970% | 4,047 |
| Efficiency ratio | 97.9584% | 341 |
| Assets per employee ($millions) | 5.9044% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 5,592 |
| Loan loss allowance to noncurrent loans | 60.0414% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 2,787 |
| Noncurrent loans to loans | 1.2097% | 1,950 |
| Net loans and leases to total assets | 62.4484% | 3,497 |
| Net loans and leases to deposits | 68.0792% | 4,121 |
| Net loans and leases to core deposits | 70.7379% | 4,241 |
| Total domestic deposits to total assets | 91.7290% | 141 |
| Equity capital to assets | 8.0173% | 5,847 |
| Core capital (leverage) ratio | 7.8145% | 5,906 |
| Tier 1 risk-based capital ratio | 11.9194% | 5,009 |
| Total risk-based capital ratio | 12.6129% | 5,229 |
| Memoranda: | ||
| Average total assets | $250,740,000 | 2,500 |
| Average earning assets | $231,923,800 | 2,499 |
| Average equity | $20,246,600 | 3,146 |
| Average total loans | $158,513,800 | 2,492 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 5,529 |
| Cost of funding earning assets | 0.2866% | 4,487 |
| Net interest margin | 2.9489% | 5,308 |
| Noninterest income to average assets | 0.5318% | 3,152 |
| Noninterest expense to average assets | 3.2320% | 1,879 |
| Loan and lease loss provision to assets | 0.0496% | 3,220 |
| Net operating income to assets | 0.0448% | 5,897 |
| Return on assets (ROA) | 0.0869% | 5,904 |
| Pretax return on assets | 0.0197% | 5,955 |
| Return on Equity (ROE) | 1.0749% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.0749% | 5,288 |
| Net charge-offs to loans | 0.0784% | 2,428 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 0.5484% | 3,937 |
| Efficiency ratio | 99.1653% | 319 |
| Assets per employee ($millions) | 5.4557% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 5,712 |
| Loan loss allowance to noncurrent loans | 60.4601% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 3,042 |
| Noncurrent loans to loans | 1.1734% | 2,181 |
| Net loans and leases to total assets | 63.0190% | 3,453 |
| Net loans and leases to deposits | 68.7042% | 4,121 |
| Net loans and leases to core deposits | 71.4428% | 4,239 |
| Total domestic deposits to total assets | 91.7251% | 123 |
| Equity capital to assets | 8.1259% | 5,915 |
| Core capital (leverage) ratio | 7.9853% | 5,915 |
| Tier 1 risk-based capital ratio | 12.2593% | 4,915 |
| Total risk-based capital ratio | 12.9522% | 5,184 |
| Memoranda: | ||
| Average total assets | $249,953,000 | 2,531 |
| Average earning assets | $231,179,000 | 2,519 |
| Average equity | $20,219,500 | 3,181 |
| Average total loans | $158,215,000 | 2,501 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2360% | 5,561 |
| Cost of funding earning assets | 0.2836% | 4,569 |
| Net interest margin | 2.9524% | 5,334 |
| Noninterest income to average assets | 0.4920% | 3,434 |
| Noninterest expense to average assets | 3.1761% | 2,047 |
| Loan and lease loss provision to assets | 0.0545% | 3,023 |
| Net operating income to assets | 0.0441% | 5,943 |
| Return on assets (ROA) | 0.1090% | 5,913 |
| Pretax return on assets | 0.0537% | 5,976 |
| Return on Equity (ROE) | 1.3491% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.3491% | 5,007 |
| Net charge-offs to loans | -0.0025% | 4,616 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6560% | 359 |
| Assets per employee ($millions) | 5.1947% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 5,693 |
| Loan loss allowance to noncurrent loans | 123.3299% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 4,340 |
| Noncurrent loans to loans | 0.6161% | 3,617 |
| Net loans and leases to total assets | 62.8531% | 3,431 |
| Net loans and leases to deposits | 68.4485% | 4,091 |
| Net loans and leases to core deposits | 71.2303% | 4,202 |
| Total domestic deposits to total assets | 91.8254% | 144 |
| Equity capital to assets | 8.0298% | 5,970 |
| Core capital (leverage) ratio | 8.1256% | 5,851 |
| Tier 1 risk-based capital ratio | 12.6628% | 4,704 |
| Total risk-based capital ratio | 13.4239% | 4,920 |
| Memoranda: | ||
| Average total assets | $249,616,000 | 2,554 |
| Average earning assets | $230,595,670 | 2,534 |
| Average equity | $20,161,670 | 3,205 |
| Average total loans | $157,858,330 | 2,505 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2311% | 5,595 |
| Cost of funding earning assets | 0.2796% | 4,673 |
| Net interest margin | 2.9515% | 5,340 |
| Noninterest income to average assets | 0.4661% | 3,528 |
| Noninterest expense to average assets | 3.1663% | 2,071 |
| Loan and lease loss provision to assets | 0.0448% | 3,023 |
| Net operating income to assets | 0.0673% | 5,930 |
| Return on assets (ROA) | 0.0769% | 5,968 |
| Pretax return on assets | 0.0032% | 6,045 |
| Return on Equity (ROE) | 0.9490% | 5,915 |
| Retained earnings to average equity (ytd only) | 0.9490% | 5,084 |
| Net charge-offs to loans | 0.0076% | 3,074 |
| Credit loss provision to net charge-offs | 933.3333% | 355 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,120 |
| Efficiency ratio | 98.8006% | 406 |
| Assets per employee ($millions) | 5.5588% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 5,850 |
| Loan loss allowance to noncurrent loans | 117.4975% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 4,457 |
| Noncurrent loans to loans | 0.6206% | 3,717 |
| Net loans and leases to total assets | 62.8628% | 3,252 |
| Net loans and leases to deposits | 68.7011% | 3,891 |
| Net loans and leases to core deposits | 71.4906% | 4,013 |
| Total domestic deposits to total assets | 91.5018% | 229 |
| Equity capital to assets | 8.1584% | 5,959 |
| Core capital (leverage) ratio | 8.0325% | 5,927 |
| Tier 1 risk-based capital ratio | 12.5452% | 4,878 |
| Total risk-based capital ratio | 13.2732% | 5,119 |
| Memoranda: | ||
| Average total assets | $249,751,500 | 2,564 |
| Average earning assets | $231,747,000 | 2,537 |
| Average equity | $20,231,500 | 3,214 |
| Average total loans | $157,827,000 | 2,516 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2617% | 5,759 |
| Cost of funding earning assets | 0.2976% | 4,819 |
| Net interest margin | 2.9641% | 5,522 |
| Noninterest income to average assets | 0.6511% | 2,542 |
| Noninterest expense to average assets | 2.9868% | 2,882 |
| Loan and lease loss provision to assets | 0.0498% | 3,562 |
| Net operating income to assets | 0.2960% | 5,528 |
| Return on assets (ROA) | 0.3082% | 5,571 |
| Pretax return on assets | 0.3732% | 5,553 |
| Return on Equity (ROE) | 4.0513% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.0513% | 3,327 |
| Net charge-offs to loans | 0.1082% | 2,968 |
| Credit loss provision to net charge-offs | 75.7576% | 2,954 |
| Earnings coverage of net charge-offs (x) | 6.2061% | 3,248 |
| Efficiency ratio | 87.9742% | 1,000 |
| Assets per employee ($millions) | 5.6672% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 5,952 |
| Loan loss allowance to noncurrent loans | 83.0882% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 3,985 |
| Noncurrent loans to loans | 0.8649% | 3,156 |
| Net loans and leases to total assets | 62.6091% | 3,424 |
| Net loans and leases to deposits | 69.7938% | 3,942 |
| Net loans and leases to core deposits | 72.3443% | 4,088 |
| Total domestic deposits to total assets | 89.7058% | 870 |
| Equity capital to assets | 8.0428% | 6,046 |
| Core capital (leverage) ratio | 7.8990% | 6,054 |
| Tier 1 risk-based capital ratio | 14.9574% | 3,508 |
| Total risk-based capital ratio | 15.8227% | 3,667 |
| Memoranda: | ||
| Average total assets | $250,806,000 | 2,521 |
| Average earning assets | $232,178,000 | 2,498 |
| Average equity | $19,080,400 | 3,278 |
| Average total loans | $152,515,000 | 2,540 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2427% | 5,854 |
| Cost of funding earning assets | 0.3054% | 4,834 |
| Net interest margin | 2.9373% | 5,619 |
| Noninterest income to average assets | 0.5160% | 3,440 |
| Noninterest expense to average assets | 2.9754% | 2,883 |
| Loan and lease loss provision to assets | 0.0467% | 3,451 |
| Net operating income to assets | 0.1918% | 5,864 |
| Return on assets (ROA) | 0.2097% | 5,884 |
| Pretax return on assets | 0.2293% | 5,904 |
| Return on Equity (ROE) | 2.7959% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.7959% | 4,614 |
| Net charge-offs to loans | 0.0511% | 3,480 |
| Credit loss provision to net charge-offs | 151.7241% | 1,566 |
| Earnings coverage of net charge-offs (x) | 8.3277% | 2,821 |
| Efficiency ratio | 92.0664% | 707 |
| Assets per employee ($millions) | 5.5178% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 5,934 |
| Loan loss allowance to noncurrent loans | 88.1705% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 4,214 |
| Noncurrent loans to loans | 0.8788% | 3,375 |
| Net loans and leases to total assets | 61.8888% | 3,501 |
| Net loans and leases to deposits | 68.7399% | 4,050 |
| Net loans and leases to core deposits | 72.2402% | 4,130 |
| Total domestic deposits to total assets | 90.0334% | 720 |
| Equity capital to assets | 7.8542% | 6,197 |
| Core capital (leverage) ratio | 7.7617% | 6,185 |
| Tier 1 risk-based capital ratio | 15.0072% | 3,583 |
| Total risk-based capital ratio | 15.9359% | 3,709 |
| Memoranda: | ||
| Average total assets | $251,168,750 | 2,533 |
| Average earning assets | $232,227,000 | 2,514 |
| Average equity | $18,836,750 | 3,324 |
| Average total loans | $151,331,500 | 2,557 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2363% | 5,895 |
| Cost of funding earning assets | 0.3136% | 4,841 |
| Net interest margin | 2.9228% | 5,695 |
| Noninterest income to average assets | 0.5132% | 3,387 |
| Noninterest expense to average assets | 2.9462% | 3,020 |
| Loan and lease loss provision to assets | 0.0452% | 3,415 |
| Net operating income to assets | 0.1954% | 5,850 |
| Return on assets (ROA) | 0.2229% | 5,838 |
| Pretax return on assets | 0.2515% | 5,869 |
| Return on Equity (ROE) | 3.0191% | 5,524 |
| Retained earnings to average equity (ytd only) | 3.0191% | 4,286 |
| Net charge-offs to loans | 0.0826% | 2,864 |
| Credit loss provision to net charge-offs | 91.9355% | 2,148 |
| Earnings coverage of net charge-offs (x) | 5.4032% | 2,933 |
| Efficiency ratio | 91.7264% | 781 |
| Assets per employee ($millions) | 5.3686% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 6,050 |
| Loan loss allowance to noncurrent loans | 104.5781% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 4,678 |
| Noncurrent loans to loans | 0.7364% | 3,859 |
| Net loans and leases to total assets | 59.4885% | 3,789 |
| Net loans and leases to deposits | 65.6085% | 4,308 |
| Net loans and leases to core deposits | 69.0090% | 4,361 |
| Total domestic deposits to total assets | 90.6720% | 515 |
| Equity capital to assets | 7.6623% | 6,306 |
| Core capital (leverage) ratio | 7.7013% | 6,247 |
| Tier 1 risk-based capital ratio | 14.7418% | 3,780 |
| Total risk-based capital ratio | 15.6323% | 3,942 |
| Memoranda: | ||
| Average total assets | $252,125,000 | 2,524 |
| Average earning assets | $232,794,000 | 2,518 |
| Average equity | $18,615,000 | 3,343 |
| Average total loans | $150,152,000 | 2,573 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2452% | 5,937 |
| Cost of funding earning assets | 0.3233% | 4,817 |
| Net interest margin | 2.9219% | 5,706 |
| Noninterest income to average assets | 0.4682% | 3,647 |
| Noninterest expense to average assets | 2.9696% | 2,981 |
| Loan and lease loss provision to assets | 0.0413% | 3,264 |
| Net operating income to assets | 0.1682% | 5,883 |
| Return on assets (ROA) | 0.1524% | 5,957 |
| Pretax return on assets | 0.1381% | 6,026 |
| Return on Equity (ROE) | 2.1035% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.1035% | 4,759 |
| Net charge-offs to loans | -0.0107% | 5,077 |
| Credit loss provision to net charge-offs | -650.0000% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8315% | 760 |
| Assets per employee ($millions) | 5.5225% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 6,108 |
| Loan loss allowance to noncurrent loans | 85.4093% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 4,494 |
| Noncurrent loans to loans | 0.9347% | 3,547 |
| Net loans and leases to total assets | 58.6988% | 3,737 |
| Net loans and leases to deposits | 64.7821% | 4,231 |
| Net loans and leases to core deposits | 68.0970% | 4,295 |
| Total domestic deposits to total assets | 90.6096% | 735 |
| Equity capital to assets | 7.3344% | 6,366 |
| Core capital (leverage) ratio | 7.6348% | 6,294 |
| Tier 1 risk-based capital ratio | 12.6848% | 5,200 |
| Total risk-based capital ratio | 13.4817% | 5,421 |
| Memoranda: | ||
| Average total assets | $252,024,500 | 2,537 |
| Average earning assets | $232,589,000 | 2,522 |
| Average equity | $18,255,500 | 3,389 |
| Average total loans | $149,593,000 | 2,590 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 6,054 |
| Cost of funding earning assets | 0.4003% | 4,654 |
| Net interest margin | 2.8666% | 5,863 |
| Noninterest income to average assets | 0.5421% | 3,457 |
| Noninterest expense to average assets | 3.0659% | 2,846 |
| Loan and lease loss provision to assets | 0.0693% | 3,742 |
| Net operating income to assets | 0.0766% | 6,088 |
| Return on assets (ROA) | 0.0891% | 6,121 |
| Pretax return on assets | 0.0488% | 6,159 |
| Return on Equity (ROE) | 1.1982% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.1982% | 5,291 |
| Net charge-offs to loans | 0.0390% | 4,682 |
| Credit loss provision to net charge-offs | 301.7544% | 755 |
| Earnings coverage of net charge-offs (x) | 4.5965% | 3,523 |
| Efficiency ratio | 96.6705% | 603 |
| Assets per employee ($millions) | 5.4351% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 6,201 |
| Loan loss allowance to noncurrent loans | 60.8741% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 3,969 |
| Noncurrent loans to loans | 1.2911% | 2,975 |
| Net loans and leases to total assets | 59.0769% | 3,863 |
| Net loans and leases to deposits | 65.1014% | 4,400 |
| Net loans and leases to core deposits | 68.3255% | 4,473 |
| Total domestic deposits to total assets | 90.7461% | 685 |
| Equity capital to assets | 7.1512% | 6,418 |
| Core capital (leverage) ratio | 7.7002% | 6,303 |
| Tier 1 risk-based capital ratio | 12.8868% | 5,058 |
| Total risk-based capital ratio | 13.6660% | 5,283 |
| Memoranda: | ||
| Average total assets | $248,118,000 | 2,546 |
| Average earning assets | $227,587,400 | 2,538 |
| Average equity | $18,445,000 | 3,347 |
| Average total loans | $146,010,600 | 2,616 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 6,075 |
| Cost of funding earning assets | 0.4151% | 4,673 |
| Net interest margin | 2.8717% | 5,873 |
| Noninterest income to average assets | 0.5675% | 3,347 |
| Noninterest expense to average assets | 3.0877% | 2,699 |
| Loan and lease loss provision to assets | 0.0775% | 3,510 |
| Net operating income to assets | 0.0748% | 6,182 |
| Return on assets (ROA) | 0.0705% | 6,244 |
| Pretax return on assets | 0.0275% | 6,296 |
| Return on Equity (ROE) | 0.9397% | 6,193 |
| Retained earnings to average equity (ytd only) | 0.9397% | 5,606 |
| Net charge-offs to loans | 0.0541% | 4,132 |
| Credit loss provision to net charge-offs | 244.0678% | 1,012 |
| Earnings coverage of net charge-offs (x) | 3.4409% | 3,700 |
| Efficiency ratio | 96.5813% | 596 |
| Assets per employee ($millions) | 5.4181% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 6,335 |
| Loan loss allowance to noncurrent loans | 177.5701% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 5,665 |
| Noncurrent loans to loans | 0.4327% | 5,116 |
| Net loans and leases to total assets | 59.0727% | 3,843 |
| Net loans and leases to deposits | 63.7732% | 4,544 |
| Net loans and leases to core deposits | 66.9382% | 4,628 |
| Total domestic deposits to total assets | 92.6294% | 158 |
| Equity capital to assets | 7.2146% | 6,488 |
| Core capital (leverage) ratio | 7.7120% | 6,372 |
| Tier 1 risk-based capital ratio | 13.0617% | 5,084 |
| Total risk-based capital ratio | 13.8341% | 5,349 |
| Memoranda: | ||
| Average total assets | $247,644,250 | 2,566 |
| Average earning assets | $226,759,500 | 2,557 |
| Average equity | $18,586,500 | 3,366 |
| Average total loans | $145,295,750 | 2,645 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2915% | 6,100 |
| Cost of funding earning assets | 0.4266% | 4,690 |
| Net interest margin | 2.8650% | 5,861 |
| Noninterest income to average assets | 0.6200% | 3,077 |
| Noninterest expense to average assets | 3.0658% | 2,776 |
| Loan and lease loss provision to assets | 0.1012% | 3,106 |
| Net operating income to assets | 0.0963% | 6,137 |
| Return on assets (ROA) | 0.0898% | 6,233 |
| Pretax return on assets | 0.0720% | 6,272 |
| Return on Equity (ROE) | 1.1816% | 6,170 |
| Retained earnings to average equity (ytd only) | 1.1816% | 5,429 |
| Net charge-offs to loans | 0.0832% | 3,536 |
| Credit loss provision to net charge-offs | 208.3333% | 1,152 |
| Earnings coverage of net charge-offs (x) | 3.7000% | 3,330 |
| Efficiency ratio | 94.4638% | 744 |
| Assets per employee ($millions) | 5.3470% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 6,404 |
| Loan loss allowance to noncurrent loans | 160.6887% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 5,657 |
| Noncurrent loans to loans | 0.4819% | 5,062 |
| Net loans and leases to total assets | 57.1078% | 4,123 |
| Net loans and leases to deposits | 61.5586% | 4,793 |
| Net loans and leases to core deposits | 64.4473% | 4,847 |
| Total domestic deposits to total assets | 92.7699% | 150 |
| Equity capital to assets | 7.1108% | 6,574 |
| Core capital (leverage) ratio | 7.7690% | 6,326 |
| Tier 1 risk-based capital ratio | 13.2444% | 4,963 |
| Total risk-based capital ratio | 14.0152% | 5,249 |
| Memoranda: | ||
| Average total assets | $247,115,000 | 2,579 |
| Average earning assets | $226,460,670 | 2,573 |
| Average equity | $18,788,330 | 3,356 |
| Average total loans | $144,271,670 | 2,655 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 6,088 |
| Cost of funding earning assets | 0.4475% | 4,623 |
| Net interest margin | 2.8849% | 5,841 |
| Noninterest income to average assets | 0.7248% | 2,453 |
| Noninterest expense to average assets | 3.1116% | 2,639 |
| Loan and lease loss provision to assets | 0.0686% | 3,486 |
| Net operating income to assets | 0.1523% | 6,036 |
| Return on assets (ROA) | 0.1175% | 6,212 |
| Pretax return on assets | 0.1437% | 6,183 |
| Return on Equity (ROE) | 1.4963% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.4963% | 5,239 |
| Net charge-offs to loans | -0.0083% | 5,383 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4345% | 950 |
| Assets per employee ($millions) | 5.3702% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 6,504 |
| Loan loss allowance to noncurrent loans | 50.0227% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 4,162 |
| Noncurrent loans to loans | 1.5379% | 3,243 |
| Net loans and leases to total assets | 57.4392% | 3,854 |
| Net loans and leases to deposits | 62.3606% | 4,492 |
| Net loans and leases to core deposits | 65.4470% | 4,597 |
| Total domestic deposits to total assets | 92.1082% | 229 |
| Equity capital to assets | 7.7841% | 6,480 |
| Core capital (leverage) ratio | 7.9903% | 6,156 |
| Tier 1 risk-based capital ratio | 13.4590% | 4,903 |
| Total risk-based capital ratio | 14.2262% | 5,187 |
| Memoranda: | ||
| Average total assets | $245,018,000 | 2,633 |
| Average earning assets | $224,339,000 | 2,619 |
| Average equity | $19,247,500 | 3,342 |
| Average total loans | $144,089,000 | 2,664 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 6,002 |
| Cost of funding earning assets | 0.5783% | 4,557 |
| Net interest margin | 3.1498% | 5,692 |
| Noninterest income to average assets | 0.5415% | 3,636 |
| Noninterest expense to average assets | 3.2035% | 2,599 |
| Loan and lease loss provision to assets | 0.0374% | 5,412 |
| Net operating income to assets | 0.2516% | 5,632 |
| Return on assets (ROA) | 0.2504% | 5,835 |
| Pretax return on assets | 0.1651% | 6,042 |
| Return on Equity (ROE) | 3.1923% | 5,475 |
| Retained earnings to average equity (ytd only) | 3.1923% | 3,977 |
| Net charge-offs to loans | 0.3942% | 2,678 |
| Credit loss provision to net charge-offs | 15.9292% | 5,331 |
| Earnings coverage of net charge-offs (x) | 0.8673% | 5,037 |
| Efficiency ratio | 94.0186% | 798 |
| Assets per employee ($millions) | 5.2828% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 6,603 |
| Loan loss allowance to noncurrent loans | 49.4609% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 4,292 |
| Noncurrent loans to loans | 1.4691% | 3,392 |
| Net loans and leases to total assets | 59.3116% | 3,720 |
| Net loans and leases to deposits | 64.4589% | 4,484 |
| Net loans and leases to core deposits | 67.7010% | 4,572 |
| Total domestic deposits to total assets | 92.0147% | 245 |
| Equity capital to assets | 7.9281% | 6,443 |
| Core capital (leverage) ratio | 7.9462% | 6,244 |
| Tier 1 risk-based capital ratio | 13.2469% | 4,936 |
| Total risk-based capital ratio | 13.9742% | 5,250 |
| Memoranda: | ||
| Average total assets | $240,424,800 | 2,629 |
| Average earning assets | $218,745,800 | 2,623 |
| Average equity | $18,857,800 | 3,349 |
| Average total loans | $143,339,600 | 2,678 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 5,965 |
| Cost of funding earning assets | 0.6014% | 4,634 |
| Net interest margin | 3.2214% | 5,645 |
| Noninterest income to average assets | 0.4543% | 4,258 |
| Noninterest expense to average assets | 3.2218% | 2,495 |
| Loan and lease loss provision to assets | 0.0334% | 5,357 |
| Net operating income to assets | 0.2174% | 5,871 |
| Return on assets (ROA) | 0.2052% | 6,072 |
| Pretax return on assets | 0.1179% | 6,245 |
| Return on Equity (ROE) | 2.6231% | 5,836 |
| Retained earnings to average equity (ytd only) | 2.6231% | 4,993 |
| Net charge-offs to loans | 0.2940% | 2,968 |
| Credit loss provision to net charge-offs | 19.0476% | 4,969 |
| Earnings coverage of net charge-offs (x) | 0.9333% | 4,860 |
| Efficiency ratio | 95.1708% | 707 |
| Assets per employee ($millions) | 5.4012% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,392 |
| Loan loss allowance to noncurrent loans | 51.6613% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 4,251 |
| Noncurrent loans to loans | 1.7357% | 3,183 |
| Net loans and leases to total assets | 57.9758% | 4,138 |
| Net loans and leases to deposits | 63.0256% | 4,837 |
| Net loans and leases to core deposits | 66.2694% | 4,926 |
| Total domestic deposits to total assets | 91.9878% | 210 |
| Equity capital to assets | 7.8818% | 6,645 |
| Core capital (leverage) ratio | 7.8767% | 6,418 |
| Tier 1 risk-based capital ratio | 13.2124% | 5,087 |
| Total risk-based capital ratio | 14.0996% | 5,335 |
| Memoranda: | ||
| Average total assets | $239,779,000 | 2,656 |
| Average earning assets | $218,161,000 | 2,661 |
| Average equity | $18,755,750 | 3,396 |
| Average total loans | $142,877,750 | 2,717 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 5,882 |
| Cost of funding earning assets | 0.6324% | 4,605 |
| Net interest margin | 3.2784% | 5,508 |
| Noninterest income to average assets | 0.4550% | 4,254 |
| Noninterest expense to average assets | 3.2360% | 2,475 |
| Loan and lease loss provision to assets | 0.0394% | 5,177 |
| Net operating income to assets | 0.2740% | 5,696 |
| Return on assets (ROA) | 0.2564% | 5,938 |
| Pretax return on assets | 0.1374% | 6,244 |
| Return on Equity (ROE) | 3.2864% | 5,564 |
| Retained earnings to average equity (ytd only) | 3.2864% | 4,420 |
| Net charge-offs to loans | 0.4290% | 2,324 |
| Credit loss provision to net charge-offs | 15.3094% | 4,677 |
| Earnings coverage of net charge-offs (x) | 0.7557% | 4,678 |
| Efficiency ratio | 94.3332% | 788 |
| Assets per employee ($millions) | 4.8970% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 6,456 |
| Loan loss allowance to noncurrent loans | 69.8570% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 4,902 |
| Noncurrent loans to loans | 1.2878% | 3,991 |
| Net loans and leases to total assets | 58.3026% | 4,109 |
| Net loans and leases to deposits | 63.3341% | 4,847 |
| Net loans and leases to core deposits | 67.0437% | 4,890 |
| Total domestic deposits to total assets | 92.0556% | 218 |
| Equity capital to assets | 7.8352% | 6,660 |
| Core capital (leverage) ratio | 7.9268% | 6,341 |
| Tier 1 risk-based capital ratio | 13.2767% | 4,978 |
| Total risk-based capital ratio | 14.1705% | 5,215 |
| Memoranda: | ||
| Average total assets | $238,687,670 | 2,673 |
| Average earning assets | $216,629,670 | 2,682 |
| Average equity | $18,622,000 | 3,411 |
| Average total loans | $143,108,000 | 2,721 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 5,710 |
| Cost of funding earning assets | 0.6522% | 4,710 |
| Net interest margin | 3.3631% | 5,255 |
| Noninterest income to average assets | 0.5142% | 3,819 |
| Noninterest expense to average assets | 3.2110% | 2,566 |
| Loan and lease loss provision to assets | 0.0470% | 4,818 |
| Net operating income to assets | 0.5058% | 4,804 |
| Return on assets (ROA) | 0.4268% | 5,326 |
| Pretax return on assets | 0.2268% | 6,145 |
| Return on Equity (ROE) | 5.4823% | 4,554 |
| Retained earnings to average equity (ytd only) | 5.4823% | 3,269 |
| Net charge-offs to loans | 0.8551% | 1,200 |
| Credit loss provision to net charge-offs | 9.0909% | 3,914 |
| Earnings coverage of net charge-offs (x) | 0.6818% | 3,998 |
| Efficiency ratio | 90.0990% | 1,089 |
| Assets per employee ($millions) | 5.0848% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 6,577 |
| Loan loss allowance to noncurrent loans | 68.3807% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7649% | 5,013 |
| Noncurrent loans to loans | 1.2920% | 4,181 |
| Net loans and leases to total assets | 58.6775% | 3,926 |
| Net loans and leases to deposits | 63.7666% | 4,665 |
| Net loans and leases to core deposits | 67.5434% | 4,728 |
| Total domestic deposits to total assets | 92.0192% | 251 |
| Equity capital to assets | 7.8858% | 6,591 |
| Core capital (leverage) ratio | 7.9480% | 6,300 |
| Tier 1 risk-based capital ratio | 13.2745% | 5,008 |
| Total risk-based capital ratio | 14.1562% | 5,253 |
| Memoranda: | ||
| Average total assets | $238,054,000 | 2,690 |
| Average earning assets | $215,870,000 | 2,694 |
| Average equity | $18,532,500 | 3,418 |
| Average total loans | $144,077,000 | 2,718 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 5,161 |
| Cost of funding earning assets | 0.8295% | 4,629 |
| Net interest margin | 3.6466% | 4,536 |
| Noninterest income to average assets | 0.4249% | 4,406 |
| Noninterest expense to average assets | 3.1718% | 2,962 |
| Loan and lease loss provision to assets | 0.0606% | 5,851 |
| Net operating income to assets | 0.3987% | 4,873 |
| Return on assets (ROA) | 0.4339% | 4,919 |
| Pretax return on assets | 0.5774% | 4,755 |
| Return on Equity (ROE) | 5.7954% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.7954% | 2,128 |
| Net charge-offs to loans | 0.1674% | 4,814 |
| Credit loss provision to net charge-offs | 58.6777% | 5,202 |
| Earnings coverage of net charge-offs (x) | 5.7190% | 2,702 |
| Efficiency ratio | 84.2924% | 1,729 |
| Assets per employee ($millions) | 4.6495% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 6,023 |
| Loan loss allowance to noncurrent loans | 82.6134% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 5,075 |
| Noncurrent loans to loans | 1.2627% | 4,261 |
| Net loans and leases to total assets | 61.2103% | 3,740 |
| Net loans and leases to deposits | 67.0109% | 4,578 |
| Net loans and leases to core deposits | 70.7918% | 4,673 |
| Total domestic deposits to total assets | 91.3437% | 383 |
| Equity capital to assets | 7.6834% | 6,732 |
| Core capital (leverage) ratio | 7.7539% | 6,490 |
| Tier 1 risk-based capital ratio | 12.9908% | 5,076 |
| Total risk-based capital ratio | 14.0828% | 5,192 |
| Memoranda: | ||
| Average total assets | $234,159,400 | 2,685 |
| Average earning assets | $214,334,800 | 2,677 |
| Average equity | $17,531,200 | 3,499 |
| Average total loans | $144,604,800 | 2,720 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 4,905 |
| Cost of funding earning assets | 0.8760% | 4,583 |
| Net interest margin | 3.7139% | 4,270 |
| Noninterest income to average assets | 0.4221% | 4,499 |
| Noninterest expense to average assets | 3.1742% | 2,909 |
| Loan and lease loss provision to assets | 0.0434% | 5,894 |
| Net operating income to assets | 0.4483% | 4,788 |
| Return on assets (ROA) | 0.4872% | 4,788 |
| Pretax return on assets | 0.6597% | 4,609 |
| Return on Equity (ROE) | 6.5516% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.5516% | 2,216 |
| Net charge-offs to loans | 0.0981% | 5,006 |
| Credit loss provision to net charge-offs | 71.6981% | 4,425 |
| Earnings coverage of net charge-offs (x) | 10.7453% | 1,880 |
| Efficiency ratio | 82.9898% | 1,849 |
| Assets per employee ($millions) | 4.5874% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 5,938 |
| Loan loss allowance to noncurrent loans | 138.2887% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 5,851 |
| Noncurrent loans to loans | 0.7863% | 5,308 |
| Net loans and leases to total assets | 62.2072% | 3,672 |
| Net loans and leases to deposits | 68.1061% | 4,586 |
| Net loans and leases to core deposits | 72.1635% | 4,695 |
| Total domestic deposits to total assets | 91.3386% | 334 |
| Equity capital to assets | 7.5698% | 6,910 |
| Core capital (leverage) ratio | 7.6613% | 6,662 |
| Tier 1 risk-based capital ratio | 12.4666% | 5,517 |
| Total risk-based capital ratio | 13.5872% | 5,618 |
| Memoranda: | ||
| Average total assets | $233,418,750 | 2,696 |
| Average earning assets | $213,858,000 | 2,698 |
| Average equity | $17,359,250 | 3,532 |
| Average total loans | $144,087,750 | 2,747 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 5,272 |
| Cost of funding earning assets | 0.9170% | 4,534 |
| Net interest margin | 3.6099% | 4,686 |
| Noninterest income to average assets | 0.4125% | 4,571 |
| Noninterest expense to average assets | 3.0861% | 3,304 |
| Loan and lease loss provision to assets | 0.0463% | 5,728 |
| Net operating income to assets | 0.4346% | 4,795 |
| Return on assets (ROA) | 0.4588% | 4,814 |
| Pretax return on assets | 0.6208% | 4,669 |
| Return on Equity (ROE) | 6.2057% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.2057% | 2,293 |
| Net charge-offs to loans | -0.0014% | 6,520 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9454% | 1,964 |
| Assets per employee ($millions) | 5.5750% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,679 |
| Loan loss allowance to noncurrent loans | 105.6426% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 5,542 |
| Noncurrent loans to loans | 1.1043% | 4,825 |
| Net loans and leases to total assets | 60.9680% | 4,091 |
| Net loans and leases to deposits | 67.4328% | 4,795 |
| Net loans and leases to core deposits | 71.4834% | 4,889 |
| Total domestic deposits to total assets | 90.4129% | 753 |
| Equity capital to assets | 7.6161% | 6,894 |
| Core capital (leverage) ratio | 7.6377% | 6,635 |
| Tier 1 risk-based capital ratio | 12.6174% | 5,245 |
| Total risk-based capital ratio | 13.7979% | 5,278 |
| Memoranda: | ||
| Average total assets | $233,239,330 | 2,726 |
| Average earning assets | $213,743,000 | 2,715 |
| Average equity | $17,242,330 | 3,537 |
| Average total loans | $143,071,000 | 2,793 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 5,563 |
| Cost of funding earning assets | 0.9434% | 4,624 |
| Net interest margin | 3.4943% | 5,037 |
| Noninterest income to average assets | 0.4261% | 4,485 |
| Noninterest expense to average assets | 3.1892% | 2,931 |
| Loan and lease loss provision to assets | 0.0481% | 5,399 |
| Net operating income to assets | 0.3162% | 5,325 |
| Return on assets (ROA) | 0.3162% | 5,403 |
| Pretax return on assets | 0.3901% | 5,371 |
| Return on Equity (ROE) | 4.3430% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.3430% | 3,567 |
| Net charge-offs to loans | -0.0056% | 6,260 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9204% | 1,526 |
| Assets per employee ($millions) | 5.5944% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,800 |
| Loan loss allowance to noncurrent loans | 106.6838% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 5,635 |
| Noncurrent loans to loans | 1.0876% | 4,877 |
| Net loans and leases to total assets | 60.1845% | 4,229 |
| Net loans and leases to deposits | 66.9167% | 4,839 |
| Net loans and leases to core deposits | 70.7419% | 4,959 |
| Total domestic deposits to total assets | 89.9394% | 1,180 |
| Equity capital to assets | 7.3296% | 6,959 |
| Core capital (leverage) ratio | 7.6589% | 6,590 |
| Tier 1 risk-based capital ratio | 12.4927% | 5,277 |
| Total risk-based capital ratio | 13.6662% | 5,319 |
| Memoranda: | ||
| Average total assets | $232,784,500 | 2,751 |
| Average earning assets | $213,261,500 | 2,741 |
| Average equity | $16,947,000 | 3,572 |
| Average total loans | $142,386,000 | 2,835 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 5,954 |
| Cost of funding earning assets | 1.0928% | 5,169 |
| Net interest margin | 3.5582% | 5,007 |
| Noninterest income to average assets | 0.4616% | 4,431 |
| Noninterest expense to average assets | 3.1469% | 3,284 |
| Loan and lease loss provision to assets | 0.0768% | 6,383 |
| Net operating income to assets | 0.3958% | 4,558 |
| Return on assets (ROA) | 0.3120% | 5,065 |
| Pretax return on assets | 0.3848% | 4,995 |
| Return on Equity (ROE) | 4.2988% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.2988% | 2,831 |
| Net charge-offs to loans | -0.0158% | 7,344 |
| Credit loss provision to net charge-offs | -786.3636% | 7,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7782% | 1,825 |
| Assets per employee ($millions) | 5.4905% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 5,734 |
| Loan loss allowance to noncurrent loans | 204.0050% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 6,389 |
| Noncurrent loans to loans | 0.5639% | 5,922 |
| Net loans and leases to total assets | 60.7403% | 4,538 |
| Net loans and leases to deposits | 67.4534% | 5,174 |
| Net loans and leases to core deposits | 71.5656% | 5,258 |
| Total domestic deposits to total assets | 90.0478% | 1,072 |
| Equity capital to assets | 7.2297% | 7,024 |
| Core capital (leverage) ratio | 7.5485% | 6,661 |
| Tier 1 risk-based capital ratio | 12.3316% | 5,181 |
| Total risk-based capital ratio | 13.4922% | 5,230 |
| Memoranda: | ||
| Average total assets | $225,303,600 | 2,810 |
| Average earning assets | $205,808,400 | 2,799 |
| Average equity | $16,353,400 | 3,697 |
| Average total loans | $139,586,000 | 2,956 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 6,135 |
| Cost of funding earning assets | 1.1147% | 5,350 |
| Net interest margin | 3.5519% | 5,105 |
| Noninterest income to average assets | 0.4655% | 4,446 |
| Noninterest expense to average assets | 3.1990% | 2,932 |
| Loan and lease loss provision to assets | 0.0905% | 6,134 |
| Net operating income to assets | 0.3033% | 5,150 |
| Return on assets (ROA) | 0.3667% | 5,080 |
| Pretax return on assets | 0.5078% | 4,900 |
| Return on Equity (ROE) | 5.0468% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.0468% | 2,957 |
| Net charge-offs to loans | 0.0403% | 6,147 |
| Credit loss provision to net charge-offs | 361.9048% | 859 |
| Earnings coverage of net charge-offs (x) | 20.4043% | 1,167 |
| Efficiency ratio | 86.2462% | 1,604 |
| Assets per employee ($millions) | 5.5915% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 5,975 |
| Loan loss allowance to noncurrent loans | 95.3115% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 5,698 |
| Noncurrent loans to loans | 1.1444% | 4,945 |
| Net loans and leases to total assets | 61.1121% | 4,693 |
| Net loans and leases to deposits | 68.1149% | 5,403 |
| Net loans and leases to core deposits | 72.2877% | 5,478 |
| Total domestic deposits to total assets | 89.7191% | 1,014 |
| Equity capital to assets | 7.3845% | 7,188 |
| Core capital (leverage) ratio | 7.4247% | 6,907 |
| Tier 1 risk-based capital ratio | 12.1944% | 5,275 |
| Total risk-based capital ratio | 13.3022% | 5,383 |
| Memoranda: | ||
| Average total assets | $223,978,750 | 2,860 |
| Average earning assets | $204,541,500 | 2,862 |
| Average equity | $16,273,750 | 3,757 |
| Average total loans | $139,057,750 | 3,002 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 6,066 |
| Cost of funding earning assets | 1.1271% | 5,541 |
| Net interest margin | 3.5954% | 4,833 |
| Noninterest income to average assets | 0.4131% | 4,804 |
| Noninterest expense to average assets | 3.2364% | 2,779 |
| Loan and lease loss provision to assets | 0.1071% | 5,845 |
| Net operating income to assets | 0.2587% | 5,339 |
| Return on assets (ROA) | 0.3573% | 5,099 |
| Pretax return on assets | 0.4842% | 4,949 |
| Return on Equity (ROE) | 4.9454% | 4,312 |
| Retained earnings to average equity (ytd only) | 4.9454% | 2,938 |
| Net charge-offs to loans | 0.0275% | 5,944 |
| Credit loss provision to net charge-offs | 626.3158% | 580 |
| Earnings coverage of net charge-offs (x) | 26.7895% | 994 |
| Efficiency ratio | 87.6005% | 1,547 |
| Assets per employee ($millions) | 5.5378% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 6,031 |
| Loan loss allowance to noncurrent loans | 141.0846% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 6,250 |
| Noncurrent loans to loans | 0.7663% | 5,740 |
| Net loans and leases to total assets | 61.8556% | 4,713 |
| Net loans and leases to deposits | 68.8033% | 5,440 |
| Net loans and leases to core deposits | 72.9429% | 5,564 |
| Total domestic deposits to total assets | 89.9021% | 967 |
| Equity capital to assets | 7.1333% | 7,298 |
| Core capital (leverage) ratio | 7.3834% | 6,930 |
| Tier 1 risk-based capital ratio | 11.7792% | 5,516 |
| Total risk-based capital ratio | 12.8810% | 5,611 |
| Memoranda: | ||
| Average total assets | $222,221,330 | 2,908 |
| Average earning assets | $202,813,670 | 2,901 |
| Average equity | $16,055,330 | 3,790 |
| Average total loans | $138,195,330 | 3,050 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 6,082 |
| Cost of funding earning assets | 1.1566% | 5,620 |
| Net interest margin | 3.5914% | 4,770 |
| Noninterest income to average assets | 0.3749% | 5,143 |
| Noninterest expense to average assets | 3.2701% | 2,633 |
| Loan and lease loss provision to assets | 0.1055% | 5,570 |
| Net operating income to assets | 0.2278% | 5,584 |
| Return on assets (ROA) | 0.2293% | 5,698 |
| Pretax return on assets | 0.2784% | 5,666 |
| Return on Equity (ROE) | 3.1530% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.1530% | 4,256 |
| Net charge-offs to loans | 0.0528% | 4,877 |
| Credit loss provision to net charge-offs | 322.2222% | 1,232 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,631 |
| Efficiency ratio | 89.5366% | 1,467 |
| Assets per employee ($millions) | 5.2425% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 6,152 |
| Loan loss allowance to noncurrent loans | 127.4849% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 5,932 |
| Noncurrent loans to loans | 0.8383% | 5,638 |
| Net loans and leases to total assets | 62.0101% | 4,751 |
| Net loans and leases to deposits | 69.1736% | 5,448 |
| Net loans and leases to core deposits | 73.3837% | 5,562 |
| Total domestic deposits to total assets | 89.6442% | 1,165 |
| Equity capital to assets | 7.3375% | 7,191 |
| Core capital (leverage) ratio | 7.5881% | 6,748 |
| Tier 1 risk-based capital ratio | 12.0270% | 5,170 |
| Total risk-based capital ratio | 13.1020% | 5,288 |
| Memoranda: | ||
| Average total assets | $219,808,000 | 2,991 |
| Average earning assets | $200,588,500 | 2,989 |
| Average equity | $15,985,000 | 3,828 |
| Average total loans | $136,304,500 | 3,141 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 5,800 |
| Cost of funding earning assets | 1.6732% | 4,652 |
| Net interest margin | 3.4947% | 4,978 |
| Noninterest income to average assets | 0.4415% | 4,872 |
| Noninterest expense to average assets | 3.2551% | 3,176 |
| Loan and lease loss provision to assets | 0.0617% | 6,948 |
| Net operating income to assets | 0.2345% | 4,783 |
| Return on assets (ROA) | 0.2749% | 4,719 |
| Pretax return on assets | 0.3547% | 4,625 |
| Return on Equity (ROE) | 3.9218% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.9218% | 2,466 |
| Net charge-offs to loans | 0.2825% | 4,863 |
| Credit loss provision to net charge-offs | 33.7662% | 6,876 |
| Earnings coverage of net charge-offs (x) | 1.9948% | 4,228 |
| Efficiency ratio | 89.9265% | 1,711 |
| Assets per employee ($millions) | 5.3520% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 6,061 |
| Loan loss allowance to noncurrent loans | 129.0468% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 5,908 |
| Noncurrent loans to loans | 0.8262% | 5,636 |
| Net loans and leases to total assets | 60.6851% | 5,234 |
| Net loans and leases to deposits | 66.9667% | 5,952 |
| Net loans and leases to core deposits | 79.4802% | 6,146 |
| Total domestic deposits to total assets | 90.6198% | 686 |
| Equity capital to assets | 7.2068% | 7,255 |
| Core capital (leverage) ratio | 7.5030% | 6,787 |
| Tier 1 risk-based capital ratio | 11.9419% | 4,998 |
| Total risk-based capital ratio | 12.9936% | 5,122 |
| Memoranda: | ||
| Average total assets | $210,625,200 | 3,060 |
| Average earning assets | $191,546,400 | 3,077 |
| Average equity | $14,763,600 | 4,105 |
| Average total loans | $136,283,000 | 3,149 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 5,836 |
| Cost of funding earning assets | 1.7673% | 4,542 |
| Net interest margin | 3.4438% | 5,095 |
| Noninterest income to average assets | 0.4228% | 5,110 |
| Noninterest expense to average assets | 3.2107% | 3,266 |
| Loan and lease loss provision to assets | 0.0672% | 6,696 |
| Net operating income to assets | 0.2160% | 5,099 |
| Return on assets (ROA) | 0.2719% | 4,997 |
| Pretax return on assets | 0.3467% | 4,940 |
| Return on Equity (ROE) | 3.9077% | 4,412 |
| Retained earnings to average equity (ytd only) | 3.9077% | 3,107 |
| Net charge-offs to loans | 0.4145% | 3,603 |
| Credit loss provision to net charge-offs | 24.7059% | 6,537 |
| Earnings coverage of net charge-offs (x) | 1.2588% | 4,829 |
| Efficiency ratio | 90.3673% | 1,658 |
| Assets per employee ($millions) | 5.3503% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,174 |
| Loan loss allowance to noncurrent loans | 237.8472% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 6,467 |
| Noncurrent loans to loans | 0.4281% | 6,480 |
| Net loans and leases to total assets | 62.2236% | 5,201 |
| Net loans and leases to deposits | 68.8983% | 6,039 |
| Net loans and leases to core deposits | 81.5064% | 6,232 |
| Total domestic deposits to total assets | 90.3122% | 662 |
| Equity capital to assets | 7.4043% | 7,368 |
| Core capital (leverage) ratio | 7.5168% | 6,949 |
| Tier 1 risk-based capital ratio | 12.0491% | 4,929 |
| Total risk-based capital ratio | 13.0815% | 5,067 |
| Memoranda: | ||
| Average total assets | $208,423,750 | 3,102 |
| Average earning assets | $189,437,500 | 3,124 |
| Average equity | $14,501,000 | 4,188 |
| Average total loans | $136,704,500 | 3,180 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 5,665 |
| Cost of funding earning assets | 1.8623% | 4,456 |
| Net interest margin | 3.4365% | 5,040 |
| Noninterest income to average assets | 0.4589% | 4,789 |
| Noninterest expense to average assets | 3.1535% | 3,492 |
| Loan and lease loss provision to assets | 0.0678% | 6,527 |
| Net operating income to assets | 0.2625% | 5,035 |
| Return on assets (ROA) | 0.3399% | 4,835 |
| Pretax return on assets | 0.4599% | 4,748 |
| Return on Equity (ROE) | 4.9955% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.9955% | 2,510 |
| Net charge-offs to loans | 0.6112% | 2,517 |
| Credit loss provision to net charge-offs | 16.6667% | 6,155 |
| Earnings coverage of net charge-offs (x) | 1.0405% | 4,746 |
| Efficiency ratio | 88.1700% | 1,996 |
| Assets per employee ($millions) | 5.3438% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,343 |
| Loan loss allowance to noncurrent loans | 164.6192% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7920% | 5,412 |
| Noncurrent loans to loans | 0.5992% | 6,059 |
| Net loans and leases to total assets | 62.9239% | 5,196 |
| Net loans and leases to deposits | 69.1376% | 6,080 |
| Net loans and leases to core deposits | 83.1793% | 6,147 |
| Total domestic deposits to total assets | 91.0125% | 447 |
| Equity capital to assets | 6.5712% | 7,799 |
| Core capital (leverage) ratio | 7.3913% | 7,141 |
| Tier 1 risk-based capital ratio | 11.4712% | 5,413 |
| Total risk-based capital ratio | 12.4631% | 5,591 |
| Memoranda: | ||
| Average total assets | $206,561,000 | 3,145 |
| Average earning assets | $187,401,330 | 3,176 |
| Average equity | $14,052,670 | 4,297 |
| Average total loans | $137,427,330 | 3,198 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 5,739 |
| Cost of funding earning assets | 1.9210% | 4,532 |
| Net interest margin | 3.4117% | 5,089 |
| Noninterest income to average assets | 0.6011% | 3,540 |
| Noninterest expense to average assets | 3.1690% | 3,119 |
| Loan and lease loss provision to assets | 0.0611% | 6,193 |
| Net operating income to assets | 0.3626% | 5,003 |
| Return on assets (ROA) | 0.3626% | 5,190 |
| Pretax return on assets | 0.4651% | 5,192 |
| Return on Equity (ROE) | 5.2362% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.2362% | 3,000 |
| Net charge-offs to loans | 0.2633% | 3,080 |
| Credit loss provision to net charge-offs | 34.0659% | 4,901 |
| Earnings coverage of net charge-offs (x) | 2.9341% | 3,330 |
| Efficiency ratio | 85.7600% | 2,101 |
| Assets per employee ($millions) | 5.2675% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 4,826 |
| Loan loss allowance to noncurrent loans | 87.1658% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 4,796 |
| Noncurrent loans to loans | 1.3730% | 4,260 |
| Net loans and leases to total assets | 63.8690% | 5,014 |
| Net loans and leases to deposits | 70.3472% | 5,946 |
| Net loans and leases to core deposits | 83.9459% | 6,061 |
| Total domestic deposits to total assets | 90.7912% | 483 |
| Equity capital to assets | 6.6607% | 7,823 |
| Core capital (leverage) ratio | 7.4610% | 7,203 |
| Tier 1 risk-based capital ratio | 11.3081% | 5,588 |
| Total risk-based capital ratio | 12.5496% | 5,512 |
| Memoranda: | ||
| Average total assets | $202,965,500 | 3,208 |
| Average earning assets | $184,071,500 | 3,236 |
| Average equity | $14,056,000 | 4,321 |
| Average total loans | $138,220,500 | 3,206 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7649% | 6,540 |
| Cost of funding earning assets | 2.3190% | 5,060 |
| Net interest margin | 3.4459% | 5,482 |
| Noninterest income to average assets | 0.5631% | 4,128 |
| Noninterest expense to average assets | 3.4315% | 2,574 |
| Loan and lease loss provision to assets | 0.1604% | 5,329 |
| Net operating income to assets | 0.1123% | 6,077 |
| Return on assets (ROA) | 0.1254% | 5,883 |
| Pretax return on assets | 0.0993% | 5,945 |
| Return on Equity (ROE) | 1.5808% | 5,743 |
| Retained earnings to average equity (ytd only) | 1.5808% | 4,270 |
| Net charge-offs to loans | 0.1461% | 4,750 |
| Credit loss provision to net charge-offs | 155.8376% | 3,349 |
| Earnings coverage of net charge-offs (x) | 2.3959% | 4,882 |
| Efficiency ratio | 93.2964% | 1,312 |
| Assets per employee ($millions) | 4.7617% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 4,490 |
| Loan loss allowance to noncurrent loans | 63.1540% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.4491% | 3,322 |
| Noncurrent loans to loans | 1.9082% | 2,885 |
| Net loans and leases to total assets | 70.9667% | 3,788 |
| Net loans and leases to deposits | 78.9255% | 5,209 |
| Net loans and leases to core deposits | 91.7003% | 5,666 |
| Total domestic deposits to total assets | 89.9160% | 681 |
| Equity capital to assets | 7.2109% | 7,618 |
| Core capital (leverage) ratio | 7.6476% | 7,009 |
| Tier 1 risk-based capital ratio | 12.0001% | 4,830 |
| Total risk-based capital ratio | 13.2512% | 4,708 |
| Memoranda: | ||
| Average total assets | $191,429,600 | 3,248 |
| Average earning assets | $173,046,800 | 3,283 |
| Average equity | $15,182,600 | 4,105 |
| Average total loans | $134,800,200 | 3,180 |