Home > The Business Bank > Performance and Condition Ratios
The Business Bank, Performance and Condition Ratios
| 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 | 3.1446% | 5,555 |
| Cost of funding earning assets | 0.6768% | 905 |
| Net interest margin | 2.4678% | 5,833 |
| Noninterest income to average assets | 0.0062% | 6,056 |
| Noninterest expense to average assets | 1.5601% | 5,860 |
| Loan and lease loss provision to assets | 0.2312% | 794 |
| Net operating income to assets | 0.3438% | 5,168 |
| Return on assets (ROA) | 0.3438% | 5,255 |
| Pretax return on assets | 0.5365% | 4,992 |
| Return on Equity (ROE) | 2.7420% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.7420% | 4,140 |
| Net charge-offs to loans | -0.0507% | 5,338 |
| Credit loss provision to net charge-offs | -789.4737% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0199% | 3,630 |
| Assets per employee ($millions) | 9.6203% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5296% | 377 |
| Loan loss allowance to noncurrent loans | 89.4523% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.4831% | 600 |
| Noncurrent loans to loans | 2.8278% | 605 |
| Net loans and leases to total assets | 57.6155% | 4,086 |
| Net loans and leases to deposits | 67.1394% | 4,146 |
| Net loans and leases to core deposits | 69.2420% | 4,294 |
| Total domestic deposits to total assets | 85.8148% | 2,761 |
| Equity capital to assets | 13.1341% | 1,348 |
| Core capital (leverage) ratio | 12.3158% | 1,423 |
| Tier 1 risk-based capital ratio | 20.2315% | 1,453 |
| Total risk-based capital ratio | 21.4965% | 1,425 |
| Memoranda: | ||
| Average total assets | $259,469,500 | 2,468 |
| Average earning assets | $244,101,500 | 2,431 |
| Average equity | $32,530,500 | 2,219 |
| Average total loans | $149,834,500 | 2,651 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2709% | 5,393 |
| Cost of funding earning assets | 0.6843% | 888 |
| Net interest margin | 2.5866% | 5,767 |
| Noninterest income to average assets | 0.0241% | 6,060 |
| Noninterest expense to average assets | 1.5794% | 5,934 |
| Loan and lease loss provision to assets | 0.3203% | 513 |
| Net operating income to assets | 0.3462% | 5,221 |
| Return on assets (ROA) | 0.4013% | 5,127 |
| Pretax return on assets | 0.6274% | 4,759 |
| Return on Equity (ROE) | 3.1759% | 5,246 |
| Retained earnings to average equity (ytd only) | -1.4447% | 5,703 |
| Net charge-offs to loans | 1.8716% | 71 |
| Credit loss provision to net charge-offs | 28.2236% | 3,676 |
| Earnings coverage of net charge-offs (x) | 0.7593% | 4,184 |
| Efficiency ratio | 64.7003% | 4,132 |
| Assets per employee ($millions) | 10.7525% | 216 |
| Cash dividends to net income (ytd only)* | 145.4898% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3515% | 483 |
| Loan loss allowance to noncurrent loans | 87.6719% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.2704% | 732 |
| Noncurrent loans to loans | 2.6822% | 658 |
| Net loans and leases to total assets | 55.1490% | 4,370 |
| Net loans and leases to deposits | 63.4578% | 4,509 |
| Net loans and leases to core deposits | 63.8698% | 4,743 |
| Total domestic deposits to total assets | 86.9065% | 2,190 |
| Equity capital to assets | 11.9820% | 1,964 |
| Core capital (leverage) ratio | 12.6941% | 1,268 |
| Tier 1 risk-based capital ratio | 19.6012% | 1,564 |
| Total risk-based capital ratio | 20.8624% | 1,533 |
| Memoranda: | ||
| Average total assets | $256,925,800 | 2,448 |
| Average earning assets | $240,085,200 | 2,425 |
| Average equity | $32,462,800 | 2,170 |
| Average total loans | $155,804,800 | 2,520 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3272% | 5,364 |
| Cost of funding earning assets | 0.6992% | 839 |
| Net interest margin | 2.6281% | 5,805 |
| Noninterest income to average assets | 0.0152% | 6,162 |
| Noninterest expense to average assets | 1.5892% | 5,983 |
| Loan and lease loss provision to assets | 0.3533% | 378 |
| Net operating income to assets | 0.3389% | 5,347 |
| Return on assets (ROA) | 0.4132% | 5,203 |
| Pretax return on assets | 0.6437% | 4,852 |
| Return on Equity (ROE) | 3.2260% | 5,307 |
| Retained earnings to average equity (ytd only) | -2.9227% | 5,927 |
| Net charge-offs to loans | 1.9846% | 61 |
| Credit loss provision to net charge-offs | 28.8346% | 3,288 |
| Earnings coverage of net charge-offs (x) | 0.7189% | 3,918 |
| Efficiency ratio | 64.3358% | 4,186 |
| Assets per employee ($millions) | 10.2027% | 250 |
| Cash dividends to net income (ytd only)* | 190.5967% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6280% | 367 |
| Loan loss allowance to noncurrent loans | 84.0756% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.6965% | 608 |
| Noncurrent loans to loans | 3.1258% | 545 |
| Net loans and leases to total assets | 58.1334% | 4,125 |
| Net loans and leases to deposits | 67.3907% | 4,247 |
| Net loans and leases to core deposits | 67.8545% | 4,555 |
| Total domestic deposits to total assets | 86.2632% | 2,401 |
| Equity capital to assets | 12.6218% | 1,674 |
| Core capital (leverage) ratio | 12.7778% | 1,283 |
| Tier 1 risk-based capital ratio | 19.8091% | 1,599 |
| Total risk-based capital ratio | 21.0743% | 1,556 |
| Memoranda: | ||
| Average total assets | $253,954,250 | 2,493 |
| Average earning assets | $237,228,250 | 2,466 |
| Average equity | $32,526,250 | 2,190 |
| Average total loans | $156,801,750 | 2,521 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3558% | 5,320 |
| Cost of funding earning assets | 0.7187% | 768 |
| Net interest margin | 2.6372% | 5,839 |
| Noninterest income to average assets | 0.0174% | 6,233 |
| Noninterest expense to average assets | 1.5971% | 6,051 |
| Loan and lease loss provision to assets | 0.4125% | 272 |
| Net operating income to assets | 0.2976% | 5,442 |
| Return on assets (ROA) | 0.4109% | 5,209 |
| Pretax return on assets | 0.6333% | 4,884 |
| Return on Equity (ROE) | 3.1927% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.1927% | 4,015 |
| Net charge-offs to loans | 3.0737% | 37 |
| Credit loss provision to net charge-offs | 21.4961% | 3,005 |
| Earnings coverage of net charge-offs (x) | 0.4542% | 3,655 |
| Efficiency ratio | 64.6965% | 4,243 |
| Assets per employee ($millions) | 9.5884% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3698% | 575 |
| Loan loss allowance to noncurrent loans | 80.0725% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.7317% | 655 |
| Noncurrent loans to loans | 2.9596% | 675 |
| Net loans and leases to total assets | 62.0202% | 3,546 |
| Net loans and leases to deposits | 71.8825% | 3,732 |
| Net loans and leases to core deposits | 72.3846% | 4,097 |
| Total domestic deposits to total assets | 86.2799% | 2,538 |
| Equity capital to assets | 12.7009% | 1,544 |
| Core capital (leverage) ratio | 12.9858% | 1,174 |
| Tier 1 risk-based capital ratio | 18.8760% | 1,817 |
| Total risk-based capital ratio | 20.1389% | 1,783 |
| Memoranda: | ||
| Average total assets | $253,583,330 | 2,515 |
| Average earning assets | $235,709,000 | 2,494 |
| Average equity | $32,637,000 | 2,191 |
| Average total loans | $158,308,670 | 2,500 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2581% | 5,538 |
| Cost of funding earning assets | 0.7338% | 717 |
| Net interest margin | 2.5244% | 5,991 |
| Noninterest income to average assets | 0.0172% | 6,299 |
| Noninterest expense to average assets | 1.5908% | 6,122 |
| Loan and lease loss provision to assets | 0.2346% | 732 |
| Net operating income to assets | 0.3566% | 5,235 |
| Return on assets (ROA) | 0.3566% | 5,349 |
| Pretax return on assets | 0.5381% | 5,076 |
| Return on Equity (ROE) | 2.7533% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.7533% | 4,303 |
| Net charge-offs to loans | -0.0452% | 5,472 |
| Credit loss provision to net charge-offs | -833.3333% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3064% | 3,934 |
| Assets per employee ($millions) | 11.0705% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6085% | 165 |
| Loan loss allowance to noncurrent loans | 55.6818% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 4.9925% | 245 |
| Noncurrent loans to loans | 6.4806% | 158 |
| Net loans and leases to total assets | 61.1722% | 3,499 |
| Net loans and leases to deposits | 71.3295% | 3,612 |
| Net loans and leases to core deposits | 73.1674% | 3,853 |
| Total domestic deposits to total assets | 85.7601% | 3,061 |
| Equity capital to assets | 13.1194% | 1,338 |
| Core capital (leverage) ratio | 12.8875% | 1,198 |
| Tier 1 risk-based capital ratio | 18.3203% | 2,057 |
| Total risk-based capital ratio | 19.5946% | 2,005 |
| Memoranda: | ||
| Average total assets | $255,726,000 | 2,502 |
| Average earning assets | $237,681,500 | 2,491 |
| Average equity | $33,124,000 | 2,169 |
| Average total loans | $159,190,000 | 2,501 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 5,101 |
| Cost of funding earning assets | 0.8911% | 407 |
| Net interest margin | 2.7020% | 5,934 |
| Noninterest income to average assets | 0.0102% | 6,375 |
| Noninterest expense to average assets | 1.6830% | 6,172 |
| Loan and lease loss provision to assets | 0.2348% | 1,022 |
| Net operating income to assets | 0.3815% | 5,284 |
| Return on assets (ROA) | 0.3812% | 5,353 |
| Pretax return on assets | 0.5758% | 5,014 |
| Return on Equity (ROE) | 3.0204% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.0204% | 4,093 |
| Net charge-offs to loans | 0.7995% | 436 |
| Credit loss provision to net charge-offs | 46.2963% | 3,563 |
| Earnings coverage of net charge-offs (x) | 1.5988% | 4,383 |
| Efficiency ratio | 67.4827% | 3,986 |
| Assets per employee ($millions) | 10.2732% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6118% | 170 |
| Loan loss allowance to noncurrent loans | 57.4224% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 4.7128% | 311 |
| Noncurrent loans to loans | 6.2899% | 174 |
| Net loans and leases to total assets | 58.8436% | 3,938 |
| Net loans and leases to deposits | 68.2780% | 4,099 |
| Net loans and leases to core deposits | 70.6579% | 4,257 |
| Total domestic deposits to total assets | 86.1823% | 2,732 |
| Equity capital to assets | 12.7878% | 1,474 |
| Core capital (leverage) ratio | 13.0936% | 1,099 |
| Tier 1 risk-based capital ratio | 19.2843% | 1,775 |
| Total risk-based capital ratio | 20.5600% | 1,738 |
| Memoranda: | ||
| Average total assets | $255,489,600 | 2,479 |
| Average earning assets | $234,866,600 | 2,466 |
| Average equity | $32,247,600 | 2,154 |
| Average total loans | $162,103,600 | 2,404 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 4,983 |
| Cost of funding earning assets | 0.9191% | 372 |
| Net interest margin | 2.7373% | 5,964 |
| Noninterest income to average assets | 0.0084% | 6,459 |
| Noninterest expense to average assets | 1.6758% | 6,226 |
| Loan and lease loss provision to assets | 0.2351% | 938 |
| Net operating income to assets | 0.4011% | 5,245 |
| Return on assets (ROA) | 0.4008% | 5,321 |
| Pretax return on assets | 0.6072% | 5,007 |
| Return on Equity (ROE) | 3.1859% | 5,480 |
| Retained earnings to average equity (ytd only) | 3.1859% | 4,363 |
| Net charge-offs to loans | 1.0720% | 274 |
| Credit loss provision to net charge-offs | 34.2466% | 3,387 |
| Earnings coverage of net charge-offs (x) | 1.2275% | 4,201 |
| Efficiency ratio | 66.5353% | 4,128 |
| Assets per employee ($millions) | 10.8112% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5082% | 229 |
| Loan loss allowance to noncurrent loans | 54.4977% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 4.9775% | 349 |
| Noncurrent loans to loans | 6.4373% | 199 |
| Net loans and leases to total assets | 60.7823% | 3,658 |
| Net loans and leases to deposits | 70.7405% | 3,828 |
| Net loans and leases to core deposits | 76.2555% | 3,711 |
| Total domestic deposits to total assets | 85.9228% | 2,882 |
| Equity capital to assets | 13.0911% | 1,385 |
| Core capital (leverage) ratio | 12.9938% | 1,178 |
| Tier 1 risk-based capital ratio | 19.1220% | 1,875 |
| Total risk-based capital ratio | 20.3962% | 1,835 |
| Memoranda: | ||
| Average total assets | $255,154,500 | 2,498 |
| Average earning assets | $233,998,000 | 2,497 |
| Average equity | $32,098,750 | 2,170 |
| Average total loans | $163,431,750 | 2,409 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 4,952 |
| Cost of funding earning assets | 0.9409% | 328 |
| Net interest margin | 2.7281% | 6,019 |
| Noninterest income to average assets | 0.0023% | 6,541 |
| Noninterest expense to average assets | 1.6820% | 6,285 |
| Loan and lease loss provision to assets | 0.2332% | 974 |
| Net operating income to assets | 0.3806% | 5,289 |
| Return on assets (ROA) | 0.3801% | 5,360 |
| Pretax return on assets | 0.5721% | 5,049 |
| Return on Equity (ROE) | 3.0613% | 5,506 |
| Retained earnings to average equity (ytd only) | 3.0613% | 4,255 |
| Net charge-offs to loans | 1.6102% | 161 |
| Credit loss provision to net charge-offs | 22.4888% | 3,165 |
| Earnings coverage of net charge-offs (x) | 0.7774% | 3,974 |
| Efficiency ratio | 67.6039% | 4,085 |
| Assets per employee ($millions) | 10.1240% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2858% | 280 |
| Loan loss allowance to noncurrent loans | 59.9730% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 4.4196% | 444 |
| Noncurrent loans to loans | 5.4788% | 328 |
| Net loans and leases to total assets | 61.9269% | 3,422 |
| Net loans and leases to deposits | 71.8390% | 3,591 |
| Net loans and leases to core deposits | 79.8005% | 3,234 |
| Total domestic deposits to total assets | 86.2023% | 2,932 |
| Equity capital to assets | 12.7787% | 1,499 |
| Core capital (leverage) ratio | 13.0060% | 1,154 |
| Tier 1 risk-based capital ratio | 18.4335% | 2,091 |
| Total risk-based capital ratio | 19.7052% | 2,040 |
| Memoranda: | ||
| Average total assets | $257,320,000 | 2,477 |
| Average earning assets | $234,446,000 | 2,495 |
| Average equity | $31,947,670 | 2,159 |
| Average total loans | $165,697,330 | 2,385 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 4,835 |
| Cost of funding earning assets | 0.9656% | 314 |
| Net interest margin | 2.7380% | 6,049 |
| Noninterest income to average assets | 0.0262% | 6,550 |
| Noninterest expense to average assets | 1.7022% | 6,349 |
| Loan and lease loss provision to assets | 0.2313% | 958 |
| Net operating income to assets | 0.3772% | 5,196 |
| Return on assets (ROA) | 0.3762% | 5,275 |
| Pretax return on assets | 0.5659% | 4,956 |
| Return on Equity (ROE) | 3.0740% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.0740% | 4,275 |
| Net charge-offs to loans | 3.2785% | 54 |
| Credit loss provision to net charge-offs | 10.9250% | 2,596 |
| Earnings coverage of net charge-offs (x) | 0.3773% | 3,358 |
| Efficiency ratio | 68.0641% | 4,171 |
| Assets per employee ($millions) | 10.0848% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0326% | 417 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 4.4800% | 489 |
| Noncurrent loans to loans | 5.3071% | 393 |
| Net loans and leases to total assets | 65.1363% | 2,713 |
| Net loans and leases to deposits | 75.4210% | 2,880 |
| Net loans and leases to core deposits | 85.9872% | 2,322 |
| Total domestic deposits to total assets | 86.3636% | 3,175 |
| Equity capital to assets | 12.6674% | 1,475 |
| Core capital (leverage) ratio | 12.5098% | 1,380 |
| Tier 1 risk-based capital ratio | 17.5051% | 2,475 |
| Total risk-based capital ratio | 18.7741% | 2,444 |
| Memoranda: | ||
| Average total assets | $259,430,000 | 2,460 |
| Average earning assets | $234,474,000 | 2,500 |
| Average equity | $31,750,000 | 2,169 |
| Average total loans | $167,515,000 | 2,368 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,927 |
| Cost of funding earning assets | 1.0161% | 411 |
| Net interest margin | 2.7488% | 6,067 |
| Noninterest income to average assets | -0.0351% | 6,685 |
| Noninterest expense to average assets | 1.7479% | 6,390 |
| Loan and lease loss provision to assets | 0.3436% | 927 |
| Net operating income to assets | 0.2679% | 5,626 |
| Return on assets (ROA) | 0.2676% | 5,712 |
| Pretax return on assets | 0.4036% | 5,489 |
| Return on Equity (ROE) | 2.2214% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.2214% | 4,667 |
| Net charge-offs to loans | 0.2286% | 2,632 |
| Credit loss provision to net charge-offs | 229.5918% | 995 |
| Earnings coverage of net charge-offs (x) | 4.9949% | 3,409 |
| Efficiency ratio | 70.0428% | 3,833 |
| Assets per employee ($millions) | 11.5974% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8383% | 226 |
| Loan loss allowance to noncurrent loans | 52.2858% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 5.4375% | 402 |
| Noncurrent loans to loans | 7.3410% | 221 |
| Net loans and leases to total assets | 59.7261% | 3,766 |
| Net loans and leases to deposits | 68.4309% | 3,984 |
| Net loans and leases to core deposits | 77.4260% | 3,433 |
| Total domestic deposits to total assets | 87.2794% | 2,587 |
| Equity capital to assets | 11.8328% | 1,918 |
| Core capital (leverage) ratio | 12.5282% | 1,342 |
| Tier 1 risk-based capital ratio | 17.5279% | 2,402 |
| Total risk-based capital ratio | 18.8055% | 2,367 |
| Memoranda: | ||
| Average total assets | $261,917,400 | 2,416 |
| Average earning assets | $241,126,200 | 2,413 |
| Average equity | $31,556,400 | 2,152 |
| Average total loans | $171,459,000 | 2,288 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 4,937 |
| Cost of funding earning assets | 1.0326% | 419 |
| Net interest margin | 2.7445% | 6,095 |
| Noninterest income to average assets | -0.0394% | 6,788 |
| Noninterest expense to average assets | 1.7782% | 6,374 |
| Loan and lease loss provision to assets | 0.3836% | 807 |
| Net operating income to assets | 0.2320% | 5,830 |
| Return on assets (ROA) | 0.2317% | 5,915 |
| Pretax return on assets | 0.3483% | 5,749 |
| Return on Equity (ROE) | 1.9141% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.9141% | 5,171 |
| Net charge-offs to loans | 0.3054% | 2,010 |
| Credit loss provision to net charge-offs | 189.3939% | 1,276 |
| Earnings coverage of net charge-offs (x) | 3.6161% | 3,652 |
| Efficiency ratio | 70.8291% | 3,628 |
| Assets per employee ($millions) | 9.9860% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6391% | 295 |
| Loan loss allowance to noncurrent loans | 48.7891% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 6.0701% | 394 |
| Noncurrent loans to loans | 7.4588% | 259 |
| Net loans and leases to total assets | 65.8139% | 2,672 |
| Net loans and leases to deposits | 76.1556% | 2,942 |
| Net loans and leases to core deposits | 88.1677% | 2,169 |
| Total domestic deposits to total assets | 86.4202% | 3,012 |
| Equity capital to assets | 12.6032% | 1,526 |
| Core capital (leverage) ratio | 12.8134% | 1,280 |
| Tier 1 risk-based capital ratio | 17.1015% | 2,666 |
| Total risk-based capital ratio | 18.3773% | 2,619 |
| Memoranda: | ||
| Average total assets | $260,711,500 | 2,450 |
| Average earning assets | $242,221,500 | 2,424 |
| Average equity | $31,554,750 | 2,174 |
| Average total loans | $172,905,500 | 2,280 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 4,862 |
| Cost of funding earning assets | 1.0496% | 430 |
| Net interest margin | 2.7402% | 6,113 |
| Noninterest income to average assets | -0.0234% | 6,825 |
| Noninterest expense to average assets | 1.7996% | 6,380 |
| Loan and lease loss provision to assets | 0.4539% | 637 |
| Net operating income to assets | 0.1843% | 5,948 |
| Return on assets (ROA) | 0.1838% | 6,063 |
| Pretax return on assets | 0.2700% | 5,953 |
| Return on Equity (ROE) | 1.5387% | 6,087 |
| Retained earnings to average equity (ytd only) | 1.5387% | 5,255 |
| Net charge-offs to loans | 0.3408% | 1,818 |
| Credit loss provision to net charge-offs | 202.7027% | 1,178 |
| Earnings coverage of net charge-offs (x) | 3.2365% | 3,449 |
| Efficiency ratio | 71.2916% | 3,594 |
| Assets per employee ($millions) | 9.0923% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6582% | 330 |
| Loan loss allowance to noncurrent loans | 46.0870% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 6.5032% | 388 |
| Noncurrent loans to loans | 7.9376% | 261 |
| Net loans and leases to total assets | 66.0182% | 2,588 |
| Net loans and leases to deposits | 76.5952% | 2,785 |
| Net loans and leases to core deposits | 89.8149% | 1,925 |
| Total domestic deposits to total assets | 86.1911% | 3,267 |
| Equity capital to assets | 12.8387% | 1,406 |
| Core capital (leverage) ratio | 12.7158% | 1,281 |
| Tier 1 risk-based capital ratio | 17.1040% | 2,677 |
| Total risk-based capital ratio | 18.3797% | 2,639 |
| Memoranda: | ||
| Average total assets | $264,398,330 | 2,417 |
| Average earning assets | $245,819,000 | 2,390 |
| Average equity | $31,585,000 | 2,182 |
| Average total loans | $173,704,000 | 2,272 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 5,432 |
| Cost of funding earning assets | 1.1010% | 372 |
| Net interest margin | 2.5065% | 6,503 |
| Noninterest income to average assets | 0.0102% | 6,829 |
| Noninterest expense to average assets | 1.8127% | 6,421 |
| Loan and lease loss provision to assets | 0.4382% | 662 |
| Net operating income to assets | 0.0699% | 6,207 |
| Return on assets (ROA) | 0.0687% | 6,294 |
| Pretax return on assets | 0.0789% | 6,292 |
| Return on Equity (ROE) | 0.5946% | 6,311 |
| Retained earnings to average equity (ytd only) | 0.5946% | 5,589 |
| Net charge-offs to loans | 0.6710% | 910 |
| Credit loss provision to net charge-offs | 101.3514% | 1,805 |
| Earnings coverage of net charge-offs (x) | 1.1993% | 3,426 |
| Efficiency ratio | 77.7569% | 2,652 |
| Assets per employee ($millions) | 10.1060% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3684% | 469 |
| Loan loss allowance to noncurrent loans | 41.7934% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 6.7488% | 427 |
| Noncurrent loans to loans | 8.0597% | 323 |
| Net loans and leases to total assets | 66.4700% | 2,288 |
| Net loans and leases to deposits | 76.6923% | 2,524 |
| Net loans and leases to core deposits | 94.2143% | 1,331 |
| Total domestic deposits to total assets | 86.6709% | 3,145 |
| Equity capital to assets | 12.5145% | 1,706 |
| Core capital (leverage) ratio | 11.6306% | 1,798 |
| Tier 1 risk-based capital ratio | 16.6887% | 2,909 |
| Total risk-based capital ratio | 17.9519% | 2,874 |
| Memoranda: | ||
| Average total assets | $273,851,000 | 2,357 |
| Average earning assets | $253,578,500 | 2,343 |
| Average equity | $31,618,500 | 2,206 |
| Average total loans | $176,444,000 | 2,254 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 5,073 |
| Cost of funding earning assets | 1.3268% | 334 |
| Net interest margin | 2.7398% | 6,468 |
| Noninterest income to average assets | -0.1397% | 6,937 |
| Noninterest expense to average assets | 1.6315% | 6,778 |
| Loan and lease loss provision to assets | 0.7608% | 658 |
| Net operating income to assets | 0.0173% | 6,142 |
| Return on assets (ROA) | 0.0394% | 6,243 |
| Pretax return on assets | 0.0294% | 6,251 |
| Return on Equity (ROE) | 0.3598% | 6,248 |
| Retained earnings to average equity (ytd only) | 0.3598% | 5,672 |
| Net charge-offs to loans | 0.1297% | 4,383 |
| Credit loss provision to net charge-offs | 859.3750% | 290 |
| Earnings coverage of net charge-offs (x) | 8.6758% | 2,371 |
| Efficiency ratio | 67.9925% | 4,144 |
| Assets per employee ($millions) | 12.2938% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2664% | 522 |
| Loan loss allowance to noncurrent loans | 37.4448% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 6.2196% | 541 |
| Noncurrent loans to loans | 8.7232% | 313 |
| Net loans and leases to total assets | 58.7176% | 3,852 |
| Net loans and leases to deposits | 66.2718% | 4,240 |
| Net loans and leases to core deposits | 83.0678% | 2,662 |
| Total domestic deposits to total assets | 88.6013% | 1,838 |
| Equity capital to assets | 10.7165% | 3,259 |
| Core capital (leverage) ratio | 11.1613% | 2,113 |
| Tier 1 risk-based capital ratio | 15.9958% | 3,170 |
| Total risk-based capital ratio | 17.2559% | 3,114 |
| Memoranda: | ||
| Average total assets | $289,179,400 | 2,209 |
| Average earning assets | $268,014,600 | 2,168 |
| Average equity | $31,686,600 | 2,158 |
| Average total loans | $197,351,000 | 2,028 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 4,976 |
| Cost of funding earning assets | 1.3781% | 321 |
| Net interest margin | 2.7751% | 6,539 |
| Noninterest income to average assets | -0.1020% | 7,026 |
| Noninterest expense to average assets | 1.7012% | 6,788 |
| Loan and lease loss provision to assets | 0.8341% | 555 |
| Net operating income to assets | -0.0088% | 6,297 |
| Return on assets (ROA) | -0.0088% | 6,418 |
| Pretax return on assets | -0.0496% | 6,443 |
| Return on Equity (ROE) | -0.0799% | 6,418 |
| Retained earnings to average equity (ytd only) | -0.0799% | 6,094 |
| Net charge-offs to loans | 0.1849% | 3,636 |
| Credit loss provision to net charge-offs | 642.8571% | 418 |
| Earnings coverage of net charge-offs (x) | 6.0465% | 2,862 |
| Efficiency ratio | 68.4377% | 3,971 |
| Assets per employee ($millions) | 11.8044% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8646% | 833 |
| Loan loss allowance to noncurrent loans | 33.0370% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 6.9402% | 522 |
| Noncurrent loans to loans | 8.6710% | 339 |
| Net loans and leases to total assets | 64.9429% | 2,852 |
| Net loans and leases to deposits | 73.8065% | 3,314 |
| Net loans and leases to core deposits | 96.5745% | 1,367 |
| Total domestic deposits to total assets | 87.9907% | 2,049 |
| Equity capital to assets | 11.1625% | 3,081 |
| Core capital (leverage) ratio | 11.2746% | 2,159 |
| Tier 1 risk-based capital ratio | 15.3950% | 3,599 |
| Total risk-based capital ratio | 16.6466% | 3,551 |
| Memoranda: | ||
| Average total assets | $287,711,500 | 2,249 |
| Average earning assets | $268,288,500 | 2,196 |
| Average equity | $31,703,500 | 2,177 |
| Average total loans | $201,914,500 | 2,014 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 4,666 |
| Cost of funding earning assets | 1.4453% | 292 |
| Net interest margin | 2.8297% | 6,530 |
| Noninterest income to average assets | -0.0913% | 7,086 |
| Noninterest expense to average assets | 1.6806% | 6,857 |
| Loan and lease loss provision to assets | 0.8299% | 590 |
| Net operating income to assets | 0.0394% | 6,273 |
| Return on assets (ROA) | 0.0394% | 6,414 |
| Pretax return on assets | 0.0290% | 6,412 |
| Return on Equity (ROE) | 0.3593% | 6,414 |
| Retained earnings to average equity (ytd only) | 0.3593% | 5,925 |
| Net charge-offs to loans | 0.2727% | 2,949 |
| Credit loss provision to net charge-offs | 427.0463% | 696 |
| Earnings coverage of net charge-offs (x) | 4.4199% | 3,090 |
| Efficiency ratio | 66.1765% | 4,501 |
| Assets per employee ($millions) | 11.9298% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4456% | 1,356 |
| Loan loss allowance to noncurrent loans | 34.0797% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 6.5999% | 616 |
| Noncurrent loans to loans | 7.1762% | 534 |
| Net loans and leases to total assets | 70.1445% | 1,893 |
| Net loans and leases to deposits | 80.0764% | 2,369 |
| Net loans and leases to core deposits | 107.8084% | 670 |
| Total domestic deposits to total assets | 87.5970% | 2,399 |
| Equity capital to assets | 11.5615% | 2,531 |
| Core capital (leverage) ratio | 11.1061% | 2,202 |
| Tier 1 risk-based capital ratio | 14.8233% | 3,882 |
| Total risk-based capital ratio | 16.0802% | 3,833 |
| Memoranda: | ||
| Average total assets | $289,180,000 | 2,240 |
| Average earning assets | $268,866,670 | 2,199 |
| Average equity | $31,730,000 | 2,162 |
| Average total loans | $206,081,670 | 1,974 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 4,848 |
| Cost of funding earning assets | 1.5234% | 257 |
| Net interest margin | 2.7468% | 6,720 |
| Noninterest income to average assets | -0.0607% | 7,148 |
| Noninterest expense to average assets | 1.6333% | 6,949 |
| Loan and lease loss provision to assets | 0.8092% | 600 |
| Net operating income to assets | 0.0459% | 6,339 |
| Return on assets (ROA) | 0.0459% | 6,457 |
| Pretax return on assets | 0.0405% | 6,467 |
| Return on Equity (ROE) | 0.4286% | 6,455 |
| Retained earnings to average equity (ytd only) | 0.4286% | 5,856 |
| Net charge-offs to loans | -0.0589% | 6,596 |
| Credit loss provision to net charge-offs | -1,935.4839% | 6,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7795% | 4,600 |
| Assets per employee ($millions) | 12.8238% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 1,885 |
| Loan loss allowance to noncurrent loans | 42.0287% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 5.4001% | 924 |
| Noncurrent loans to loans | 5.2327% | 1,044 |
| Net loans and leases to total assets | 71.5160% | 1,480 |
| Net loans and leases to deposits | 81.3115% | 2,017 |
| Net loans and leases to core deposits | 119.3511% | 320 |
| Total domestic deposits to total assets | 87.9531% | 2,351 |
| Equity capital to assets | 11.2557% | 2,672 |
| Core capital (leverage) ratio | 10.6354% | 2,612 |
| Tier 1 risk-based capital ratio | 14.2551% | 4,272 |
| Total risk-based capital ratio | 15.5103% | 4,246 |
| Memoranda: | ||
| Average total assets | $296,577,500 | 2,186 |
| Average earning assets | $274,645,000 | 2,165 |
| Average equity | $31,733,500 | 2,168 |
| Average total loans | $210,477,000 | 1,946 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 3,989 |
| Cost of funding earning assets | 1.6584% | 381 |
| Net interest margin | 3.1004% | 6,346 |
| Noninterest income to average assets | -0.1541% | 7,134 |
| Noninterest expense to average assets | 1.8779% | 6,857 |
| Loan and lease loss provision to assets | 0.8838% | 1,093 |
| Net operating income to assets | -0.0097% | 6,057 |
| Return on assets (ROA) | -0.0065% | 6,169 |
| Pretax return on assets | -0.0339% | 6,161 |
| Return on Equity (ROE) | -0.0659% | 6,170 |
| Retained earnings to average equity (ytd only) | -0.0659% | 5,855 |
| Net charge-offs to loans | 1.6454% | 953 |
| Credit loss provision to net charge-offs | 71.4393% | 4,798 |
| Earnings coverage of net charge-offs (x) | 0.6830% | 5,301 |
| Efficiency ratio | 68.9683% | 4,160 |
| Assets per employee ($millions) | 12.9597% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 2,806 |
| Loan loss allowance to noncurrent loans | 55.0451% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 4.1333% | 1,379 |
| Noncurrent loans to loans | 3.3058% | 1,961 |
| Net loans and leases to total assets | 67.7577% | 2,447 |
| Net loans and leases to deposits | 76.1354% | 3,158 |
| Net loans and leases to core deposits | 116.5274% | 434 |
| Total domestic deposits to total assets | 88.9963% | 1,535 |
| Equity capital to assets | 10.1957% | 3,908 |
| Core capital (leverage) ratio | 10.0619% | 3,267 |
| Tier 1 risk-based capital ratio | 13.8095% | 4,470 |
| Total risk-based capital ratio | 15.0618% | 4,427 |
| Memoranda: | ||
| Average total assets | $321,798,000 | 1,999 |
| Average earning assets | $298,603,000 | 1,960 |
| Average equity | $31,842,600 | 2,083 |
| Average total loans | $241,951,400 | 1,730 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8189% | 3,946 |
| Cost of funding earning assets | 1.6859% | 416 |
| Net interest margin | 3.1331% | 6,337 |
| Noninterest income to average assets | -0.2248% | 7,282 |
| Noninterest expense to average assets | 1.9394% | 6,807 |
| Loan and lease loss provision to assets | 0.7577% | 1,255 |
| Net operating income to assets | -0.0103% | 6,170 |
| Return on assets (ROA) | -0.0103% | 6,273 |
| Pretax return on assets | -0.0148% | 6,247 |
| Return on Equity (ROE) | -0.1046% | 6,278 |
| Retained earnings to average equity (ytd only) | -0.1046% | 5,987 |
| Net charge-offs to loans | 1.0521% | 1,515 |
| Credit loss provision to net charge-offs | 93.9379% | 3,632 |
| Earnings coverage of net charge-offs (x) | 0.9210% | 4,931 |
| Efficiency ratio | 72.3039% | 3,491 |
| Assets per employee ($millions) | 12.1332% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1044% | 2,057 |
| Loan loss allowance to noncurrent loans | 42.8435% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 5.7221% | 957 |
| Noncurrent loans to loans | 4.9119% | 1,280 |
| Net loans and leases to total assets | 75.5145% | 1,055 |
| Net loans and leases to deposits | 85.1581% | 1,810 |
| Net loans and leases to core deposits | 136.1866% | 196 |
| Total domestic deposits to total assets | 88.6757% | 1,646 |
| Equity capital to assets | 10.4717% | 3,737 |
| Core capital (leverage) ratio | 10.0022% | 3,442 |
| Tier 1 risk-based capital ratio | 12.7254% | 5,312 |
| Total risk-based capital ratio | 13.9817% | 5,287 |
| Memoranda: | ||
| Average total assets | $324,489,500 | 1,991 |
| Average earning assets | $301,082,250 | 1,952 |
| Average equity | $31,875,250 | 2,084 |
| Average total loans | $248,775,750 | 1,696 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 3,917 |
| Cost of funding earning assets | 1.7077% | 454 |
| Net interest margin | 3.1310% | 6,335 |
| Noninterest income to average assets | 0.0458% | 7,063 |
| Noninterest expense to average assets | 1.7090% | 7,174 |
| Loan and lease loss provision to assets | 0.5429% | 1,791 |
| Net operating income to assets | 0.4367% | 4,786 |
| Return on assets (ROA) | 0.4367% | 4,925 |
| Pretax return on assets | 0.6961% | 4,397 |
| Return on Equity (ROE) | 4.5374% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.5374% | 3,302 |
| Net charge-offs to loans | 0.9026% | 1,727 |
| Credit loss provision to net charge-offs | 78.6026% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.7939% | 3,971 |
| Efficiency ratio | 57.9701% | 6,163 |
| Assets per employee ($millions) | 11.0093% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 2,406 |
| Loan loss allowance to noncurrent loans | 39.0145% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 6.6911% | 783 |
| Noncurrent loans to loans | 5.0953% | 1,276 |
| Net loans and leases to total assets | 76.7416% | 957 |
| Net loans and leases to deposits | 86.6877% | 1,694 |
| Net loans and leases to core deposits | 137.9424% | 199 |
| Total domestic deposits to total assets | 88.5265% | 1,835 |
| Equity capital to assets | 10.5200% | 3,478 |
| Core capital (leverage) ratio | 9.9388% | 3,340 |
| Tier 1 risk-based capital ratio | 12.5401% | 5,308 |
| Total risk-based capital ratio | 13.7907% | 5,284 |
| Memoranda: | ||
| Average total assets | $331,542,330 | 1,968 |
| Average earning assets | $307,315,000 | 1,931 |
| Average equity | $31,912,330 | 2,071 |
| Average total loans | $253,706,670 | 1,690 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 4,144 |
| Cost of funding earning assets | 1.7037% | 545 |
| Net interest margin | 3.0771% | 6,406 |
| Noninterest income to average assets | 0.0793% | 6,998 |
| Noninterest expense to average assets | 1.6120% | 7,297 |
| Loan and lease loss provision to assets | 0.5245% | 1,657 |
| Net operating income to assets | 0.5093% | 4,455 |
| Return on assets (ROA) | 0.5093% | 4,535 |
| Pretax return on assets | 0.7996% | 3,901 |
| Return on Equity (ROE) | 5.5222% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.5222% | 2,899 |
| Net charge-offs to loans | 1.5438% | 880 |
| Credit loss provision to net charge-offs | 44.8654% | 3,853 |
| Earnings coverage of net charge-offs (x) | 1.1326% | 3,816 |
| Efficiency ratio | 54.9027% | 6,612 |
| Assets per employee ($millions) | 11.3329% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 3,109 |
| Loan loss allowance to noncurrent loans | 83.5038% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 4.1810% | 1,577 |
| Noncurrent loans to loans | 2.1145% | 3,426 |
| Net loans and leases to total assets | 76.0089% | 1,030 |
| Net loans and leases to deposits | 85.4339% | 1,811 |
| Net loans and leases to core deposits | 277.0646% | 51 |
| Total domestic deposits to total assets | 88.9681% | 1,795 |
| Equity capital to assets | 9.7023% | 4,176 |
| Core capital (leverage) ratio | 9.1861% | 4,315 |
| Tier 1 risk-based capital ratio | 11.8349% | 5,830 |
| Total risk-based capital ratio | 13.0899% | 5,831 |
| Memoranda: | ||
| Average total assets | $343,184,000 | 1,911 |
| Average earning assets | $318,607,500 | 1,882 |
| Average equity | $31,654,000 | 2,072 |
| Average total loans | $259,879,500 | 1,674 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 4,423 |
| Cost of funding earning assets | 1.7144% | 1,533 |
| Net interest margin | 3.3136% | 5,941 |
| Noninterest income to average assets | -0.0301% | 7,336 |
| Noninterest expense to average assets | 1.5930% | 7,410 |
| Loan and lease loss provision to assets | 1.8032% | 768 |
| Net operating income to assets | -0.1492% | 6,047 |
| Return on assets (ROA) | -0.0695% | 6,027 |
| Pretax return on assets | -0.1591% | 6,056 |
| Return on Equity (ROE) | -0.7570% | 6,043 |
| Retained earnings to average equity (ytd only) | -3.3679% | 6,139 |
| Net charge-offs to loans | 1.7464% | 1,227 |
| Credit loss provision to net charge-offs | 126.2061% | 3,213 |
| Earnings coverage of net charge-offs (x) | 1.0635% | 5,048 |
| Efficiency ratio | 51.1802% | 7,047 |
| Assets per employee ($millions) | 12.3349% | 139 |
| Cash dividends to net income (ytd only)* | -344.8980% | 7,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 2,567 |
| Loan loss allowance to noncurrent loans | 79.8575% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 3.0508% | 2,313 |
| Noncurrent loans to loans | 2.3789% | 3,139 |
| Net loans and leases to total assets | 72.8011% | 1,927 |
| Net loans and leases to deposits | 80.9942% | 2,992 |
| Net loans and leases to core deposits | 1,144.0452% | 27 |
| Total domestic deposits to total assets | 89.8843% | 1,172 |
| Equity capital to assets | 8.7839% | 5,459 |
| Core capital (leverage) ratio | 9.1324% | 4,298 |
| Tier 1 risk-based capital ratio | 11.4835% | 5,926 |
| Total risk-based capital ratio | 12.7412% | 5,919 |
| Memoranda: | ||
| Average total assets | $352,544,200 | 1,854 |
| Average earning assets | $334,346,200 | 1,784 |
| Average equity | $32,364,600 | 2,028 |
| Average total loans | $288,417,400 | 1,553 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1432% | 4,106 |
| Cost of funding earning assets | 1.7380% | 1,686 |
| Net interest margin | 3.4052% | 5,661 |
| Noninterest income to average assets | 0.0733% | 7,168 |
| Noninterest expense to average assets | 1.7336% | 7,409 |
| Loan and lease loss provision to assets | 2.3022% | 482 |
| Net operating income to assets | -0.4206% | 6,536 |
| Return on assets (ROA) | -0.3139% | 6,487 |
| Pretax return on assets | -0.5644% | 6,597 |
| Return on Equity (ROE) | -3.3823% | 6,524 |
| Retained earnings to average equity (ytd only) | -6.8382% | 6,705 |
| Net charge-offs to loans | 2.0768% | 894 |
| Credit loss provision to net charge-offs | 132.3658% | 3,053 |
| Earnings coverage of net charge-offs (x) | 0.9033% | 5,151 |
| Efficiency ratio | 52.4581% | 6,940 |
| Assets per employee ($millions) | 11.0969% | 204 |
| Cash dividends to net income (ytd only)* | -102.1766% | 7,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 2,636 |
| Loan loss allowance to noncurrent loans | 58.0703% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 3.6947% | 1,928 |
| Noncurrent loans to loans | 3.1817% | 2,502 |
| Net loans and leases to total assets | 83.0752% | 402 |
| Net loans and leases to deposits | 93.2064% | 1,301 |
| Net loans and leases to core deposits | -795.0668% | 7,743 |
| Total domestic deposits to total assets | 89.1303% | 1,322 |
| Equity capital to assets | 9.3368% | 5,071 |
| Core capital (leverage) ratio | 9.0041% | 4,686 |
| Tier 1 risk-based capital ratio | 10.7033% | 6,631 |
| Total risk-based capital ratio | 11.9600% | 6,607 |
| Memoranda: | ||
| Average total assets | $351,252,000 | 1,891 |
| Average earning assets | $333,324,250 | 1,817 |
| Average equity | $32,600,500 | 2,034 |
| Average total loans | $294,156,250 | 1,536 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1554% | 4,165 |
| Cost of funding earning assets | 1.7284% | 1,978 |
| Net interest margin | 3.4269% | 5,525 |
| Noninterest income to average assets | 0.0834% | 7,170 |
| Noninterest expense to average assets | 1.6359% | 7,544 |
| Loan and lease loss provision to assets | 0.9604% | 1,525 |
| Net operating income to assets | 0.4806% | 4,411 |
| Return on assets (ROA) | 0.5809% | 4,093 |
| Pretax return on assets | 0.9061% | 3,469 |
| Return on Equity (ROE) | 6.2707% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.7000% | 3,083 |
| Net charge-offs to loans | 1.3242% | 1,434 |
| Credit loss provision to net charge-offs | 86.8861% | 4,520 |
| Earnings coverage of net charge-offs (x) | 1.5468% | 4,331 |
| Efficiency ratio | 48.8960% | 7,298 |
| Assets per employee ($millions) | 11.9672% | 163 |
| Cash dividends to net income (ytd only)* | 25.0482% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,538 |
| Loan loss allowance to noncurrent loans | 32.0030% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 3.8171% | 1,821 |
| Noncurrent loans to loans | 3.6978% | 2,115 |
| Net loans and leases to total assets | 83.3450% | 403 |
| Net loans and leases to deposits | 93.5342% | 1,336 |
| Net loans and leases to core deposits | -561.8629% | 7,813 |
| Total domestic deposits to total assets | 89.1064% | 1,373 |
| Equity capital to assets | 9.6295% | 4,498 |
| Core capital (leverage) ratio | 9.3043% | 4,113 |
| Tier 1 risk-based capital ratio | 11.1313% | 6,115 |
| Total risk-based capital ratio | 12.2979% | 6,183 |
| Memoranda: | ||
| Average total assets | $357,366,670 | 1,874 |
| Average earning assets | $340,190,000 | 1,800 |
| Average equity | $33,106,330 | 2,010 |
| Average total loans | $298,285,000 | 1,536 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1231% | 4,424 |
| Cost of funding earning assets | 1.7065% | 2,357 |
| Net interest margin | 3.4165% | 5,517 |
| Noninterest income to average assets | 0.0861% | 7,273 |
| Noninterest expense to average assets | 1.5789% | 7,670 |
| Loan and lease loss provision to assets | 0.7724% | 1,639 |
| Net operating income to assets | 0.6344% | 3,733 |
| Return on assets (ROA) | 0.6344% | 3,855 |
| Pretax return on assets | 0.9952% | 3,112 |
| Return on Equity (ROE) | 6.9803% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.2519% | 2,493 |
| Net charge-offs to loans | 1.5863% | 1,096 |
| Credit loss provision to net charge-offs | 58.6265% | 4,326 |
| Earnings coverage of net charge-offs (x) | 1.3417% | 3,941 |
| Efficiency ratio | 47.1810% | 7,491 |
| Assets per employee ($millions) | 12.4941% | 154 |
| Cash dividends to net income (ytd only)* | 10.4348% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 6,111 |
| Loan loss allowance to noncurrent loans | 25.8713% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 3.6632% | 1,910 |
| Noncurrent loans to loans | 4.1682% | 1,848 |
| Net loans and leases to total assets | 81.7506% | 622 |
| Net loans and leases to deposits | 91.5558% | 1,675 |
| Net loans and leases to core deposits | -506.7075% | 7,915 |
| Total domestic deposits to total assets | 89.2904% | 1,371 |
| Equity capital to assets | 9.1679% | 5,034 |
| Core capital (leverage) ratio | 9.2462% | 4,144 |
| Tier 1 risk-based capital ratio | 10.9393% | 6,215 |
| Total risk-based capital ratio | 12.0166% | 6,361 |
| Memoranda: | ||
| Average total assets | $362,526,000 | 1,889 |
| Average earning assets | $345,965,000 | 1,808 |
| Average equity | $32,950,000 | 2,038 |
| Average total loans | $301,072,000 | 1,561 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3879% | 4,750 |
| Cost of funding earning assets | 2.3307% | 1,534 |
| Net interest margin | 3.0573% | 6,498 |
| Noninterest income to average assets | 0.0461% | 7,518 |
| Noninterest expense to average assets | 1.4803% | 7,816 |
| Loan and lease loss provision to assets | 0.8064% | 2,717 |
| Net operating income to assets | 0.4231% | 4,037 |
| Return on assets (ROA) | 0.4773% | 3,929 |
| Pretax return on assets | 0.7497% | 3,408 |
| Return on Equity (ROE) | 5.4748% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.6181% | 2,024 |
| Net charge-offs to loans | 0.7262% | 3,017 |
| Credit loss provision to net charge-offs | 129.9078% | 3,936 |
| Earnings coverage of net charge-offs (x) | 2.3702% | 3,950 |
| Efficiency ratio | 50.1524% | 7,530 |
| Assets per employee ($millions) | 11.7007% | 179 |
| Cash dividends to net income (ytd only)* | 15.6482% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 5,176 |
| Loan loss allowance to noncurrent loans | 33.7076% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 3.2634% | 2,102 |
| Noncurrent loans to loans | 3.6487% | 2,064 |
| Net loans and leases to total assets | 82.4282% | 624 |
| Net loans and leases to deposits | 92.1309% | 1,876 |
| Net loans and leases to core deposits | 186.1102% | 135 |
| Total domestic deposits to total assets | 89.4685% | 1,227 |
| Equity capital to assets | 9.0102% | 5,130 |
| Core capital (leverage) ratio | 8.9460% | 4,513 |
| Tier 1 risk-based capital ratio | 10.4383% | 6,458 |
| Total risk-based capital ratio | 11.6424% | 6,476 |
| Memoranda: | ||
| Average total assets | $366,822,000 | 1,853 |
| Average earning assets | $348,613,600 | 1,791 |
| Average equity | $31,982,800 | 2,095 |
| Average total loans | $313,546,200 | 1,526 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3923% | 4,982 |
| Cost of funding earning assets | 2.4880% | 1,344 |
| Net interest margin | 2.9044% | 6,850 |
| Noninterest income to average assets | 0.0808% | 7,497 |
| Noninterest expense to average assets | 1.5517% | 7,863 |
| Loan and lease loss provision to assets | 0.4527% | 3,653 |
| Net operating income to assets | 0.5259% | 3,877 |
| Return on assets (ROA) | 0.5981% | 3,662 |
| Pretax return on assets | 0.9500% | 3,060 |
| Return on Equity (ROE) | 6.9163% | 3,110 |
| Retained earnings to average equity (ytd only) | 6.2163% | 1,845 |
| Net charge-offs to loans | 0.4836% | 3,298 |
| Credit loss provision to net charge-offs | 108.8928% | 4,667 |
| Earnings coverage of net charge-offs (x) | 3.1029% | 3,685 |
| Efficiency ratio | 54.6046% | 7,172 |
| Assets per employee ($millions) | 12.7886% | 149 |
| Cash dividends to net income (ytd only)* | 10.1211% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 6,336 |
| Loan loss allowance to noncurrent loans | 44.3254% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.6751% | 2,606 |
| Noncurrent loans to loans | 2.2420% | 3,329 |
| Net loans and leases to total assets | 87.4721% | 237 |
| Net loans and leases to deposits | 98.0719% | 1,321 |
| Net loans and leases to core deposits | 198.2951% | 106 |
| Total domestic deposits to total assets | 89.1918% | 1,106 |
| Equity capital to assets | 9.1239% | 5,297 |
| Core capital (leverage) ratio | 9.0518% | 4,575 |
| Tier 1 risk-based capital ratio | 9.9533% | 7,020 |
| Total risk-based capital ratio | 10.9227% | 7,216 |
| Memoranda: | ||
| Average total assets | $367,846,750 | 1,864 |
| Average earning assets | $349,673,500 | 1,799 |
| Average equity | $31,808,000 | 2,128 |
| Average total loans | $316,255,500 | 1,536 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3497% | 5,398 |
| Cost of funding earning assets | 2.5975% | 1,292 |
| Net interest margin | 2.7522% | 7,103 |
| Noninterest income to average assets | 0.0760% | 7,604 |
| Noninterest expense to average assets | 1.5160% | 7,965 |
| Loan and lease loss provision to assets | 0.5303% | 2,904 |
| Net operating income to assets | 0.4063% | 4,489 |
| Return on assets (ROA) | 0.5136% | 4,156 |
| Pretax return on assets | 0.8154% | 3,619 |
| Return on Equity (ROE) | 6.0469% | 3,625 |
| Retained earnings to average equity (ytd only) | 5.3426% | 2,330 |
| Net charge-offs to loans | 0.6704% | 2,365 |
| Credit loss provision to net charge-offs | 92.8302% | 4,840 |
| Earnings coverage of net charge-offs (x) | 2.0623% | 4,051 |
| Efficiency ratio | 56.2713% | 7,089 |
| Assets per employee ($millions) | 12.4750% | 148 |
| Cash dividends to net income (ytd only)* | 11.6474% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 6,598 |
| Loan loss allowance to noncurrent loans | 48.3613% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 1.9578% | 3,253 |
| Noncurrent loans to loans | 1.9445% | 3,605 |
| Net loans and leases to total assets | 86.3603% | 347 |
| Net loans and leases to deposits | 96.5166% | 1,721 |
| Net loans and leases to core deposits | 192.3996% | 151 |
| Total domestic deposits to total assets | 89.4772% | 1,052 |
| Equity capital to assets | 8.7919% | 5,609 |
| Core capital (leverage) ratio | 8.6193% | 5,227 |
| Tier 1 risk-based capital ratio | 9.8144% | 7,118 |
| Total risk-based capital ratio | 10.7344% | 7,358 |
| Memoranda: | ||
| Average total assets | $371,102,000 | 1,874 |
| Average earning assets | $353,026,330 | 1,804 |
| Average equity | $31,520,330 | 2,147 |
| Average total loans | $316,219,000 | 1,570 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 5,790 |
| Cost of funding earning assets | 2.6409% | 1,445 |
| Net interest margin | 2.6834% | 7,242 |
| Noninterest income to average assets | 0.0830% | 7,639 |
| Noninterest expense to average assets | 1.4573% | 8,016 |
| Loan and lease loss provision to assets | 0.3917% | 2,976 |
| Net operating income to assets | 0.4876% | 4,478 |
| Return on assets (ROA) | 0.5993% | 4,206 |
| Pretax return on assets | 0.9634% | 3,485 |
| Return on Equity (ROE) | 7.1772% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.4633% | 2,432 |
| Net charge-offs to loans | 0.2211% | 3,314 |
| Credit loss provision to net charge-offs | 210.2857% | 2,134 |
| Earnings coverage of net charge-offs (x) | 6.3371% | 2,511 |
| Efficiency ratio | 55.2462% | 7,073 |
| Assets per employee ($millions) | 11.8022% | 181 |
| Cash dividends to net income (ytd only)* | 9.9467% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 6,056 |
| Loan loss allowance to noncurrent loans | 107.8693% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.1157% | 4,453 |
| Noncurrent loans to loans | 0.9433% | 5,111 |
| Net loans and leases to total assets | 86.0138% | 447 |
| Net loans and leases to deposits | 99.2372% | 1,505 |
| Net loans and leases to core deposits | 196.4529% | 152 |
| Total domestic deposits to total assets | 86.6749% | 2,371 |
| Equity capital to assets | 8.6695% | 5,813 |
| Core capital (leverage) ratio | 8.4139% | 5,691 |
| Tier 1 risk-based capital ratio | 9.5806% | 7,363 |
| Total risk-based capital ratio | 10.5707% | 7,545 |
| Memoranda: | ||
| Average total assets | $375,765,500 | 1,859 |
| Average earning assets | $357,757,500 | 1,796 |
| Average equity | $31,377,000 | 2,161 |
| Average total loans | $316,630,500 | 1,583 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0183% | 5,460 |
| Cost of funding earning assets | 3.5514% | 453 |
| Net interest margin | 2.4669% | 7,789 |
| Noninterest income to average assets | -0.0801% | 8,193 |
| Noninterest expense to average assets | 1.4691% | 8,048 |
| Loan and lease loss provision to assets | 0.3835% | 3,395 |
| Net operating income to assets | 0.3096% | 5,509 |
| Return on assets (ROA) | 0.3180% | 5,303 |
| Pretax return on assets | 0.4204% | 5,204 |
| Return on Equity (ROE) | 3.7996% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.0881% | 3,237 |
| Net charge-offs to loans | 0.1877% | 4,320 |
| Credit loss provision to net charge-offs | 232.4910% | 2,051 |
| Earnings coverage of net charge-offs (x) | 4.8069% | 3,848 |
| Efficiency ratio | 64.9467% | 5,339 |
| Assets per employee ($millions) | 12.0520% | 163 |
| Cash dividends to net income (ytd only)* | 18.7266% | 4,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 6,300 |
| Loan loss allowance to noncurrent loans | 86.6173% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1915% | 3,868 |
| Noncurrent loans to loans | 1.1138% | 4,321 |
| Net loans and leases to total assets | 80.9741% | 1,443 |
| Net loans and leases to deposits | 92.4947% | 3,056 |
| Net loans and leases to core deposits | 182.6299% | 263 |
| Total domestic deposits to total assets | 87.5446% | 1,691 |
| Equity capital to assets | 8.0472% | 6,782 |
| Core capital (leverage) ratio | 8.3612% | 5,833 |
| Tier 1 risk-based capital ratio | 9.4821% | 7,327 |
| Total risk-based capital ratio | 10.4187% | 7,611 |
| Memoranda: | ||
| Average total assets | $335,851,400 | 1,988 |
| Average earning assets | $318,862,200 | 1,912 |
| Average equity | $28,108,000 | 2,401 |
| Average total loans | $295,179,800 | 1,638 |