Home > The Delaware County Bank and Trust Company > Performance and Condition Ratios
The Delaware County Bank and Trust Company, Performance and Condition Ratios
| 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 | 3.6849% | 4,156 |
| Cost of funding earning assets | 0.4256% | 2,763 |
| Net interest margin | 3.2593% | 4,137 |
| Noninterest income to average assets | 1.2397% | 665 |
| Noninterest expense to average assets | 7.8699% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.3267% | 5,826 |
| Return on assets (ROA) | -2.3359% | 5,826 |
| Pretax return on assets | -3.7461% | 5,837 |
| Return on Equity (ROE) | -23.3468% | 5,826 |
| Retained earnings to average equity (ytd only) | -23.3468% | 5,761 |
| Net charge-offs to loans | -0.1365% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.1717% | 21 |
| Assets per employee ($millions) | 3.4564% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,445 |
| Loan loss allowance to noncurrent loans | 141.9202% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 2,903 |
| Noncurrent loans to loans | 0.8068% | 2,434 |
| Net loans and leases to total assets | 69.9243% | 2,390 |
| Net loans and leases to deposits | 79.6547% | 2,795 |
| Net loans and leases to core deposits | 82.8942% | 3,003 |
| Total domestic deposits to total assets | 87.7843% | 1,837 |
| Equity capital to assets | 9.7277% | 4,036 |
| Core capital (leverage) ratio | 7.7522% | 5,648 |
| Tier 1 risk-based capital ratio | 11.0904% | 5,263 |
| Total risk-based capital ratio | 12.2567% | 5,216 |
| Memoranda: | ||
| Average total assets | $551,725,000 | 1,299 |
| Average earning assets | $490,653,000 | 1,342 |
| Average equity | $55,202,500 | 1,427 |
| Average total loans | $389,745,500 | 1,277 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 3,997 |
| Cost of funding earning assets | 0.3272% | 3,774 |
| Net interest margin | 3.4427% | 3,651 |
| Noninterest income to average assets | 1.0978% | 946 |
| Noninterest expense to average assets | 4.4093% | 412 |
| Loan and lease loss provision to assets | -0.0452% | 5,576 |
| Net operating income to assets | -0.1022% | 5,685 |
| Return on assets (ROA) | -0.1022% | 5,696 |
| Pretax return on assets | -0.2050% | 5,719 |
| Return on Equity (ROE) | -0.9786% | 5,701 |
| Retained earnings to average equity (ytd only) | -0.9786% | 5,438 |
| Net charge-offs to loans | -0.0673% | 5,470 |
| Credit loss provision to net charge-offs | 95.4198% | 2,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0147% | 158 |
| Assets per employee ($millions) | 3.4402% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 3,610 |
| Loan loss allowance to noncurrent loans | 134.1463% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 2,928 |
| Noncurrent loans to loans | 0.8341% | 2,436 |
| Net loans and leases to total assets | 69.7585% | 2,521 |
| Net loans and leases to deposits | 80.2972% | 2,857 |
| Net loans and leases to core deposits | 83.7102% | 3,051 |
| Total domestic deposits to total assets | 86.8754% | 2,208 |
| Equity capital to assets | 10.2845% | 3,406 |
| Core capital (leverage) ratio | 8.5626% | 5,201 |
| Tier 1 risk-based capital ratio | 12.2032% | 4,575 |
| Total risk-based capital ratio | 13.3422% | 4,545 |
| Memoranda: | ||
| Average total assets | $553,648,800 | 1,252 |
| Average earning assets | $492,314,800 | 1,289 |
| Average equity | $57,837,800 | 1,327 |
| Average total loans | $389,302,800 | 1,225 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,191 |
| Cost of funding earning assets | 0.3214% | 3,854 |
| Net interest margin | 3.3969% | 3,847 |
| Noninterest income to average assets | 1.1305% | 899 |
| Noninterest expense to average assets | 4.1921% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0118% | 5,708 |
| Return on assets (ROA) | 0.0118% | 5,733 |
| Pretax return on assets | -0.0426% | 5,748 |
| Return on Equity (ROE) | 0.1124% | 5,732 |
| Retained earnings to average equity (ytd only) | 0.1124% | 5,310 |
| Net charge-offs to loans | -0.0886% | 5,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0257% | 210 |
| Assets per employee ($millions) | 3.5390% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 3,410 |
| Loan loss allowance to noncurrent loans | 136.2611% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 3,084 |
| Noncurrent loans to loans | 0.8608% | 2,533 |
| Net loans and leases to total assets | 68.3308% | 2,751 |
| Net loans and leases to deposits | 78.7958% | 3,101 |
| Net loans and leases to core deposits | 84.0562% | 3,114 |
| Total domestic deposits to total assets | 86.7188% | 2,023 |
| Equity capital to assets | 10.2835% | 3,823 |
| Core capital (leverage) ratio | 8.8377% | 5,015 |
| Tier 1 risk-based capital ratio | 12.2591% | 4,635 |
| Total risk-based capital ratio | 13.4368% | 4,578 |
| Memoranda: | ||
| Average total assets | $554,453,000 | 1,256 |
| Average earning assets | $492,790,250 | 1,288 |
| Average equity | $58,145,000 | 1,334 |
| Average total loans | $389,549,000 | 1,223 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 4,271 |
| Cost of funding earning assets | 0.3116% | 4,001 |
| Net interest margin | 3.3977% | 3,902 |
| Noninterest income to average assets | 1.1000% | 923 |
| Noninterest expense to average assets | 3.9595% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1718% | 5,578 |
| Return on assets (ROA) | 0.1718% | 5,630 |
| Pretax return on assets | 0.1588% | 5,660 |
| Return on Equity (ROE) | 1.6278% | 5,588 |
| Retained earnings to average equity (ytd only) | 1.6278% | 4,732 |
| Net charge-offs to loans | -0.1322% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1450% | 341 |
| Assets per employee ($millions) | 3.4788% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 3,595 |
| Loan loss allowance to noncurrent loans | 323.2394% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 4,429 |
| Noncurrent loans to loans | 0.3581% | 4,086 |
| Net loans and leases to total assets | 70.4197% | 2,415 |
| Net loans and leases to deposits | 83.6185% | 2,511 |
| Net loans and leases to core deposits | 88.8271% | 2,657 |
| Total domestic deposits to total assets | 84.2155% | 3,188 |
| Equity capital to assets | 10.5461% | 3,581 |
| Core capital (leverage) ratio | 9.0233% | 4,799 |
| Tier 1 risk-based capital ratio | 12.5122% | 4,514 |
| Total risk-based capital ratio | 13.7021% | 4,465 |
| Memoranda: | ||
| Average total assets | $550,525,000 | 1,266 |
| Average earning assets | $489,039,670 | 1,306 |
| Average equity | $58,117,000 | 1,342 |
| Average total loans | $388,896,670 | 1,225 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 4,543 |
| Cost of funding earning assets | 0.3023% | 4,140 |
| Net interest margin | 3.3257% | 4,124 |
| Noninterest income to average assets | 0.9257% | 1,248 |
| Noninterest expense to average assets | 3.8898% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0753% | 5,714 |
| Return on assets (ROA) | 0.0753% | 5,757 |
| Pretax return on assets | 0.0015% | 5,809 |
| Return on Equity (ROE) | 0.7125% | 5,739 |
| Retained earnings to average equity (ytd only) | 0.7125% | 4,934 |
| Net charge-offs to loans | -0.0010% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9624% | 291 |
| Assets per employee ($millions) | 3.3738% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 4,009 |
| Loan loss allowance to noncurrent loans | 337.8800% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 4,581 |
| Noncurrent loans to loans | 0.3276% | 4,263 |
| Net loans and leases to total assets | 69.9962% | 2,343 |
| Net loans and leases to deposits | 83.5607% | 2,358 |
| Net loans and leases to core deposits | 89.0090% | 2,458 |
| Total domestic deposits to total assets | 83.7668% | 3,611 |
| Equity capital to assets | 10.4876% | 3,514 |
| Core capital (leverage) ratio | 8.9733% | 4,889 |
| Tier 1 risk-based capital ratio | 12.6037% | 4,517 |
| Total risk-based capital ratio | 13.7518% | 4,483 |
| Memoranda: | ||
| Average total assets | $547,482,000 | 1,272 |
| Average earning assets | $488,200,500 | 1,306 |
| Average equity | $57,825,000 | 1,338 |
| Average total loans | $385,068,000 | 1,235 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 4,291 |
| Cost of funding earning assets | 0.2427% | 4,855 |
| Net interest margin | 3.4827% | 3,585 |
| Noninterest income to average assets | 0.8843% | 1,487 |
| Noninterest expense to average assets | 3.7985% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2181% | 244 |
| Return on assets (ROA) | 2.2181% | 250 |
| Pretax return on assets | 0.2256% | 5,656 |
| Return on Equity (ROE) | 23.2786% | 128 |
| Retained earnings to average equity (ytd only) | 23.2786% | 47 |
| Net charge-offs to loans | -0.0257% | 5,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3942% | 467 |
| Assets per employee ($millions) | 3.3028% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,778 |
| Loan loss allowance to noncurrent loans | 354.5827% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 4,639 |
| Noncurrent loans to loans | 0.3228% | 4,301 |
| Net loans and leases to total assets | 69.0796% | 2,526 |
| Net loans and leases to deposits | 78.6400% | 2,983 |
| Net loans and leases to core deposits | 86.8681% | 2,706 |
| Total domestic deposits to total assets | 87.8429% | 1,728 |
| Equity capital to assets | 10.6379% | 3,199 |
| Core capital (leverage) ratio | 9.1060% | 4,745 |
| Tier 1 risk-based capital ratio | 13.1078% | 4,238 |
| Total risk-based capital ratio | 14.2870% | 4,198 |
| Memoranda: | ||
| Average total assets | $532,843,400 | 1,266 |
| Average earning assets | $480,367,600 | 1,289 |
| Average equity | $50,772,000 | 1,462 |
| Average total loans | $380,731,400 | 1,212 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 4,347 |
| Cost of funding earning assets | 0.2419% | 4,973 |
| Net interest margin | 3.4827% | 3,614 |
| Noninterest income to average assets | 0.8960% | 1,464 |
| Noninterest expense to average assets | 3.8333% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.8898% | 97 |
| Return on assets (ROA) | 2.8898% | 97 |
| Pretax return on assets | 0.2103% | 5,777 |
| Return on Equity (ROE) | 31.2565% | 47 |
| Retained earnings to average equity (ytd only) | 31.2565% | 26 |
| Net charge-offs to loans | 0.0105% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 27.8993% | 1,568 |
| Efficiency ratio | 94.7990% | 460 |
| Assets per employee ($millions) | 3.7166% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 4,193 |
| Loan loss allowance to noncurrent loans | 314.1150% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 4,201 |
| Noncurrent loans to loans | 0.3521% | 4,352 |
| Net loans and leases to total assets | 69.3092% | 2,485 |
| Net loans and leases to deposits | 78.9829% | 2,996 |
| Net loans and leases to core deposits | 87.2176% | 2,734 |
| Total domestic deposits to total assets | 87.7522% | 1,682 |
| Equity capital to assets | 10.5924% | 3,486 |
| Core capital (leverage) ratio | 9.1813% | 4,753 |
| Tier 1 risk-based capital ratio | 13.0880% | 4,381 |
| Total risk-based capital ratio | 14.2328% | 4,362 |
| Memoranda: | ||
| Average total assets | $530,638,000 | 1,281 |
| Average earning assets | $479,583,000 | 1,299 |
| Average equity | $49,059,500 | 1,530 |
| Average total loans | $381,286,000 | 1,213 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 4,307 |
| Cost of funding earning assets | 0.2422% | 5,029 |
| Net interest margin | 3.4903% | 3,539 |
| Noninterest income to average assets | 0.8662% | 1,551 |
| Noninterest expense to average assets | 3.8216% | 846 |
| Loan and lease loss provision to assets | 0.0570% | 2,957 |
| Net operating income to assets | 0.1568% | 5,796 |
| Return on assets (ROA) | 0.1568% | 5,846 |
| Pretax return on assets | 0.1568% | 5,871 |
| Return on Equity (ROE) | 1.7858% | 5,735 |
| Retained earnings to average equity (ytd only) | 1.7858% | 4,807 |
| Net charge-offs to loans | 0.1163% | 1,838 |
| Credit loss provision to net charge-offs | 67.5676% | 2,494 |
| Earnings coverage of net charge-offs (x) | 2.5360% | 3,324 |
| Efficiency ratio | 94.7017% | 493 |
| Assets per employee ($millions) | 3.6152% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 4,378 |
| Loan loss allowance to noncurrent loans | 215.4165% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 3,926 |
| Noncurrent loans to loans | 0.5058% | 3,945 |
| Net loans and leases to total assets | 69.7057% | 2,363 |
| Net loans and leases to deposits | 80.1177% | 2,768 |
| Net loans and leases to core deposits | 88.5262% | 2,505 |
| Total domestic deposits to total assets | 87.0041% | 2,169 |
| Equity capital to assets | 8.5332% | 5,660 |
| Core capital (leverage) ratio | 8.6325% | 5,394 |
| Tier 1 risk-based capital ratio | 12.6815% | 4,693 |
| Total risk-based capital ratio | 13.8350% | 4,671 |
| Memoranda: | ||
| Average total assets | $526,644,670 | 1,299 |
| Average earning assets | $478,183,000 | 1,312 |
| Average equity | $46,254,000 | 1,610 |
| Average total loans | $381,618,000 | 1,211 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 4,023 |
| Cost of funding earning assets | 0.2422% | 5,104 |
| Net interest margin | 3.5542% | 3,211 |
| Noninterest income to average assets | 0.8789% | 1,456 |
| Noninterest expense to average assets | 3.7939% | 883 |
| Loan and lease loss provision to assets | 0.1156% | 1,783 |
| Net operating income to assets | 0.1935% | 5,696 |
| Return on assets (ROA) | 0.1935% | 5,782 |
| Pretax return on assets | 0.1935% | 5,836 |
| Return on Equity (ROE) | 2.1711% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.1711% | 4,595 |
| Net charge-offs to loans | 0.3115% | 762 |
| Credit loss provision to net charge-offs | 50.5051% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.3502% | 2,931 |
| Efficiency ratio | 92.4652% | 685 |
| Assets per employee ($millions) | 3.4312% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 4,600 |
| Loan loss allowance to noncurrent loans | 330.8252% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 4,361 |
| Noncurrent loans to loans | 0.3276% | 4,618 |
| Net loans and leases to total assets | 71.5498% | 1,887 |
| Net loans and leases to deposits | 80.0668% | 2,552 |
| Net loans and leases to core deposits | 88.6955% | 2,255 |
| Total domestic deposits to total assets | 89.3626% | 1,064 |
| Equity capital to assets | 8.9097% | 5,382 |
| Core capital (leverage) ratio | 8.6455% | 5,382 |
| Tier 1 risk-based capital ratio | 12.6923% | 4,790 |
| Total risk-based capital ratio | 13.8300% | 4,767 |
| Memoranda: | ||
| Average total assets | $518,827,000 | 1,321 |
| Average earning assets | $470,656,500 | 1,336 |
| Average equity | $46,244,000 | 1,616 |
| Average total loans | $381,345,000 | 1,211 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 4,310 |
| Cost of funding earning assets | 0.2691% | 5,110 |
| Net interest margin | 3.5822% | 3,465 |
| Noninterest income to average assets | 0.8384% | 1,720 |
| Noninterest expense to average assets | 3.9721% | 777 |
| Loan and lease loss provision to assets | 0.0298% | 4,013 |
| Net operating income to assets | 0.0501% | 6,022 |
| Return on assets (ROA) | 0.0701% | 6,021 |
| Pretax return on assets | 0.0701% | 6,022 |
| Return on Equity (ROE) | 0.7794% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.7794% | 5,418 |
| Net charge-offs to loans | 0.7203% | 509 |
| Credit loss provision to net charge-offs | 5.6861% | 4,152 |
| Earnings coverage of net charge-offs (x) | 0.1524% | 4,688 |
| Efficiency ratio | 98.0289% | 422 |
| Assets per employee ($millions) | 3.5351% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 4,544 |
| Loan loss allowance to noncurrent loans | 229.7180% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 3,883 |
| Noncurrent loans to loans | 0.4784% | 4,223 |
| Net loans and leases to total assets | 73.8605% | 1,606 |
| Net loans and leases to deposits | 83.8561% | 2,232 |
| Net loans and leases to core deposits | 91.9220% | 2,097 |
| Total domestic deposits to total assets | 88.0801% | 1,727 |
| Equity capital to assets | 8.9167% | 5,367 |
| Core capital (leverage) ratio | 9.0009% | 5,005 |
| Tier 1 risk-based capital ratio | 12.4039% | 5,085 |
| Total risk-based capital ratio | 13.5621% | 5,062 |
| Memoranda: | ||
| Average total assets | $503,333,800 | 1,326 |
| Average earning assets | $451,541,400 | 1,361 |
| Average equity | $45,292,000 | 1,589 |
| Average total loans | $366,224,000 | 1,208 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 4,442 |
| Cost of funding earning assets | 0.2730% | 5,178 |
| Net interest margin | 3.5551% | 3,608 |
| Noninterest income to average assets | 0.8334% | 1,763 |
| Noninterest expense to average assets | 3.9895% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0240% | 6,119 |
| Return on assets (ROA) | 0.0509% | 6,114 |
| Pretax return on assets | 0.0509% | 6,111 |
| Return on Equity (ROE) | 0.5645% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.5645% | 5,640 |
| Net charge-offs to loans | 0.9400% | 341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.0353% | 4,442 |
| Efficiency ratio | 99.4022% | 388 |
| Assets per employee ($millions) | 3.4341% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 4,611 |
| Loan loss allowance to noncurrent loans | 138.7375% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 3,307 |
| Noncurrent loans to loans | 0.8143% | 3,542 |
| Net loans and leases to total assets | 72.8923% | 1,697 |
| Net loans and leases to deposits | 81.7699% | 2,458 |
| Net loans and leases to core deposits | 89.6583% | 2,262 |
| Total domestic deposits to total assets | 89.1431% | 1,155 |
| Equity capital to assets | 9.0754% | 5,272 |
| Core capital (leverage) ratio | 8.9558% | 5,127 |
| Tier 1 risk-based capital ratio | 12.4162% | 5,216 |
| Total risk-based capital ratio | 13.5670% | 5,213 |
| Memoranda: | ||
| Average total assets | $500,137,500 | 1,346 |
| Average earning assets | $447,384,750 | 1,382 |
| Average equity | $45,109,750 | 1,601 |
| Average total loans | $361,419,000 | 1,227 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8434% | 4,353 |
| Cost of funding earning assets | 0.2770% | 5,223 |
| Net interest margin | 3.5664% | 3,502 |
| Noninterest income to average assets | 0.9029% | 1,487 |
| Noninterest expense to average assets | 3.9742% | 788 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1137% | 6,020 |
| Return on assets (ROA) | 0.0576% | 6,143 |
| Pretax return on assets | 0.0576% | 6,139 |
| Return on Equity (ROE) | 0.6403% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.6403% | 5,477 |
| Net charge-offs to loans | 1.2022% | 260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.1317% | 4,108 |
| Efficiency ratio | 97.2195% | 499 |
| Assets per employee ($millions) | 3.4315% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 3,982 |
| Loan loss allowance to noncurrent loans | 98.8745% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 2,681 |
| Noncurrent loans to loans | 1.2917% | 2,645 |
| Net loans and leases to total assets | 70.4781% | 2,004 |
| Net loans and leases to deposits | 80.7299% | 2,415 |
| Net loans and leases to core deposits | 87.6953% | 2,343 |
| Total domestic deposits to total assets | 87.3011% | 2,294 |
| Equity capital to assets | 9.1081% | 5,196 |
| Core capital (leverage) ratio | 8.9675% | 5,068 |
| Tier 1 risk-based capital ratio | 12.7701% | 5,056 |
| Total risk-based capital ratio | 14.0208% | 4,992 |
| Memoranda: | ||
| Average total assets | $499,724,330 | 1,344 |
| Average earning assets | $446,272,670 | 1,380 |
| Average equity | $44,979,000 | 1,589 |
| Average total loans | $358,678,330 | 1,230 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 4,263 |
| Cost of funding earning assets | 0.2846% | 5,224 |
| Net interest margin | 3.5720% | 3,379 |
| Noninterest income to average assets | 1.0315% | 1,060 |
| Noninterest expense to average assets | 4.0338% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1964% | 5,812 |
| Return on assets (ROA) | 0.0842% | 6,089 |
| Pretax return on assets | 0.0842% | 6,103 |
| Return on Equity (ROE) | 0.9406% | 6,052 |
| Retained earnings to average equity (ytd only) | 0.9406% | 5,223 |
| Net charge-offs to loans | 1.5357% | 206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1777% | 3,402 |
| Efficiency ratio | 95.3581% | 681 |
| Assets per employee ($millions) | 3.3910% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 3,113 |
| Loan loss allowance to noncurrent loans | 129.1375% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 2,949 |
| Noncurrent loans to loans | 1.1677% | 3,099 |
| Net loans and leases to total assets | 70.5158% | 1,796 |
| Net loans and leases to deposits | 79.1505% | 2,412 |
| Net loans and leases to core deposits | 86.5622% | 2,258 |
| Total domestic deposits to total assets | 89.0908% | 1,597 |
| Equity capital to assets | 9.1324% | 4,966 |
| Core capital (leverage) ratio | 8.8342% | 5,221 |
| Tier 1 risk-based capital ratio | 12.7792% | 5,138 |
| Total risk-based capital ratio | 14.0326% | 5,069 |
| Memoranda: | ||
| Average total assets | $499,084,000 | 1,353 |
| Average earning assets | $446,919,000 | 1,380 |
| Average equity | $44,652,500 | 1,593 |
| Average total loans | $359,184,000 | 1,236 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 4,862 |
| Cost of funding earning assets | 0.4076% | 4,563 |
| Net interest margin | 3.3799% | 4,364 |
| Noninterest income to average assets | 0.9104% | 1,645 |
| Noninterest expense to average assets | 4.1026% | 773 |
| Loan and lease loss provision to assets | 0.4770% | 591 |
| Net operating income to assets | -0.5950% | 6,521 |
| Return on assets (ROA) | -0.5708% | 6,518 |
| Pretax return on assets | -0.6296% | 6,519 |
| Return on Equity (ROE) | -6.4008% | 6,520 |
| Retained earnings to average equity (ytd only) | -6.4008% | 6,429 |
| Net charge-offs to loans | 0.7508% | 848 |
| Credit loss provision to net charge-offs | 93.9005% | 2,654 |
| Earnings coverage of net charge-offs (x) | -0.3528% | 5,174 |
| Efficiency ratio | 104.5676% | 361 |
| Assets per employee ($millions) | 3.4458% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 1,926 |
| Loan loss allowance to noncurrent loans | 87.5977% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.9619% | 1,837 |
| Noncurrent loans to loans | 2.1093% | 1,873 |
| Net loans and leases to total assets | 70.9994% | 1,839 |
| Net loans and leases to deposits | 79.2589% | 2,557 |
| Net loans and leases to core deposits | 85.6760% | 2,485 |
| Total domestic deposits to total assets | 89.5790% | 1,282 |
| Equity capital to assets | 8.7644% | 5,296 |
| Core capital (leverage) ratio | 8.7729% | 5,328 |
| Tier 1 risk-based capital ratio | 12.2408% | 5,465 |
| Total risk-based capital ratio | 13.4980% | 5,388 |
| Memoranda: | ||
| Average total assets | $506,677,200 | 1,312 |
| Average earning assets | $451,665,800 | 1,345 |
| Average equity | $45,181,800 | 1,547 |
| Average total loans | $342,831,000 | 1,250 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 5,002 |
| Cost of funding earning assets | 0.4335% | 4,468 |
| Net interest margin | 3.3254% | 4,546 |
| Noninterest income to average assets | 0.9283% | 1,664 |
| Noninterest expense to average assets | 4.1779% | 702 |
| Loan and lease loss provision to assets | -0.2338% | 6,744 |
| Net operating income to assets | 0.0335% | 6,249 |
| Return on assets (ROA) | 0.0562% | 6,268 |
| Pretax return on assets | -0.0221% | 6,340 |
| Return on Equity (ROE) | 0.6277% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.6277% | 5,719 |
| Net charge-offs to loans | -0.1896% | 6,641 |
| Credit loss provision to net charge-offs | 185.4167% | 1,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4953% | 306 |
| Assets per employee ($millions) | 3.4824% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 2,284 |
| Loan loss allowance to noncurrent loans | 114.5107% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.5628% | 2,590 |
| Noncurrent loans to loans | 1.5772% | 2,805 |
| Net loans and leases to total assets | 69.1969% | 2,100 |
| Net loans and leases to deposits | 77.7841% | 2,704 |
| Net loans and leases to core deposits | 85.1932% | 2,511 |
| Total domestic deposits to total assets | 88.9602% | 1,573 |
| Equity capital to assets | 9.3053% | 4,799 |
| Core capital (leverage) ratio | 9.4431% | 4,484 |
| Tier 1 risk-based capital ratio | 13.1213% | 5,037 |
| Total risk-based capital ratio | 14.3765% | 4,984 |
| Memoranda: | ||
| Average total assets | $507,576,000 | 1,319 |
| Average earning assets | $451,545,250 | 1,355 |
| Average equity | $45,454,250 | 1,551 |
| Average total loans | $337,561,500 | 1,266 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 5,047 |
| Cost of funding earning assets | 0.4603% | 4,306 |
| Net interest margin | 3.2708% | 4,686 |
| Noninterest income to average assets | 0.9470% | 1,672 |
| Noninterest expense to average assets | 4.2307% | 673 |
| Loan and lease loss provision to assets | -0.3509% | 6,849 |
| Net operating income to assets | 0.0816% | 6,175 |
| Return on assets (ROA) | 0.1348% | 6,160 |
| Pretax return on assets | 0.0252% | 6,326 |
| Return on Equity (ROE) | 1.5256% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.5256% | 5,260 |
| Net charge-offs to loans | -0.3097% | 6,763 |
| Credit loss provision to net charge-offs | 173.8281% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8362% | 280 |
| Assets per employee ($millions) | 3.4648% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 2,168 |
| Loan loss allowance to noncurrent loans | 112.7232% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 2,485 |
| Noncurrent loans to loans | 1.6691% | 2,810 |
| Net loans and leases to total assets | 67.0411% | 2,404 |
| Net loans and leases to deposits | 75.7660% | 2,913 |
| Net loans and leases to core deposits | 82.2797% | 2,772 |
| Total domestic deposits to total assets | 88.4844% | 1,924 |
| Equity capital to assets | 9.5010% | 4,575 |
| Core capital (leverage) ratio | 9.5111% | 4,232 |
| Tier 1 risk-based capital ratio | 13.2522% | 4,959 |
| Total risk-based capital ratio | 14.4937% | 4,903 |
| Memoranda: | ||
| Average total assets | $507,290,670 | 1,315 |
| Average earning assets | $450,537,670 | 1,353 |
| Average equity | $44,835,330 | 1,585 |
| Average total loans | $330,652,000 | 1,286 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 5,182 |
| Cost of funding earning assets | 0.4787% | 4,294 |
| Net interest margin | 3.2176% | 4,855 |
| Noninterest income to average assets | 0.9835% | 1,510 |
| Noninterest expense to average assets | 4.2559% | 659 |
| Loan and lease loss provision to assets | -0.5118% | 6,956 |
| Net operating income to assets | 0.1055% | 6,133 |
| Return on assets (ROA) | 0.1055% | 6,229 |
| Pretax return on assets | 0.0866% | 6,278 |
| Return on Equity (ROE) | 1.2401% | 6,162 |
| Retained earnings to average equity (ytd only) | 1.2401% | 5,352 |
| Net charge-offs to loans | -0.6523% | 6,886 |
| Credit loss provision to net charge-offs | 123.3397% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0997% | 315 |
| Assets per employee ($millions) | 3.0218% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 1,905 |
| Loan loss allowance to noncurrent loans | 124.2736% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.7803% | 2,630 |
| Noncurrent loans to loans | 1.6538% | 3,062 |
| Net loans and leases to total assets | 63.8194% | 2,744 |
| Net loans and leases to deposits | 71.8802% | 3,193 |
| Net loans and leases to core deposits | 77.8113% | 3,101 |
| Total domestic deposits to total assets | 88.7858% | 1,809 |
| Equity capital to assets | 9.3845% | 5,016 |
| Core capital (leverage) ratio | 9.4700% | 4,134 |
| Tier 1 risk-based capital ratio | 12.2603% | 5,748 |
| Total risk-based capital ratio | 13.4789% | 5,731 |
| Memoranda: | ||
| Average total assets | $508,006,000 | 1,328 |
| Average earning assets | $449,527,500 | 1,372 |
| Average equity | $43,222,000 | 1,650 |
| Average total loans | $323,159,500 | 1,314 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 4,707 |
| Cost of funding earning assets | 0.7241% | 3,294 |
| Net interest margin | 3.4416% | 4,731 |
| Noninterest income to average assets | 1.6302% | 598 |
| Noninterest expense to average assets | 3.7812% | 1,289 |
| Loan and lease loss provision to assets | 0.0965% | 4,444 |
| Net operating income to assets | 0.8122% | 3,233 |
| Return on assets (ROA) | 0.9113% | 2,999 |
| Pretax return on assets | 0.8978% | 3,929 |
| Return on Equity (ROE) | 13.1538% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.1538% | 245 |
| Net charge-offs to loans | 0.9654% | 1,144 |
| Credit loss provision to net charge-offs | 15.4736% | 5,337 |
| Earnings coverage of net charge-offs (x) | 1.4348% | 4,732 |
| Efficiency ratio | 80.8559% | 2,026 |
| Assets per employee ($millions) | 3.1181% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1672% | 1,607 |
| Loan loss allowance to noncurrent loans | 129.9037% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.9784% | 2,478 |
| Noncurrent loans to loans | 1.6683% | 3,121 |
| Net loans and leases to total assets | 60.7428% | 3,466 |
| Net loans and leases to deposits | 67.2504% | 4,095 |
| Net loans and leases to core deposits | 72.6894% | 3,951 |
| Total domestic deposits to total assets | 90.3233% | 788 |
| Equity capital to assets | 7.6433% | 6,573 |
| Core capital (leverage) ratio | 7.9263% | 6,261 |
| Tier 1 risk-based capital ratio | 9.8182% | 6,746 |
| Total risk-based capital ratio | 11.0162% | 6,732 |
| Memoranda: | ||
| Average total assets | $512,694,000 | 1,306 |
| Average earning assets | $453,799,000 | 1,345 |
| Average equity | $35,518,200 | 1,947 |
| Average total loans | $331,367,400 | 1,268 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 4,771 |
| Cost of funding earning assets | 0.7827% | 3,086 |
| Net interest margin | 3.4302% | 4,923 |
| Noninterest income to average assets | 0.8787% | 1,912 |
| Noninterest expense to average assets | 3.6951% | 1,369 |
| Loan and lease loss provision to assets | 0.2066% | 3,008 |
| Net operating income to assets | 0.0590% | 6,196 |
| Return on assets (ROA) | 0.1910% | 6,105 |
| Pretax return on assets | 0.1533% | 6,197 |
| Return on Equity (ROE) | 2.8302% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.8302% | 4,854 |
| Net charge-offs to loans | 0.8872% | 1,233 |
| Credit loss provision to net charge-offs | 35.6822% | 4,708 |
| Earnings coverage of net charge-offs (x) | 0.3936% | 5,134 |
| Efficiency ratio | 94.1901% | 762 |
| Assets per employee ($millions) | 3.0752% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5295% | 1,173 |
| Loan loss allowance to noncurrent loans | 146.2587% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 2.1644% | 2,473 |
| Noncurrent loans to loans | 1.7295% | 3,196 |
| Net loans and leases to total assets | 63.4372% | 3,128 |
| Net loans and leases to deposits | 71.3217% | 3,700 |
| Net loans and leases to core deposits | 77.2053% | 3,582 |
| Total domestic deposits to total assets | 88.9451% | 1,462 |
| Equity capital to assets | 7.1293% | 6,859 |
| Core capital (leverage) ratio | 7.1198% | 6,768 |
| Tier 1 risk-based capital ratio | 8.9783% | 6,938 |
| Total risk-based capital ratio | 10.1922% | 6,945 |
| Memoranda: | ||
| Average total assets | $513,024,000 | 1,317 |
| Average earning assets | $455,322,000 | 1,358 |
| Average equity | $34,626,250 | 2,015 |
| Average total loans | $334,833,250 | 1,269 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 4,743 |
| Cost of funding earning assets | 0.8331% | 2,925 |
| Net interest margin | 3.4211% | 4,999 |
| Noninterest income to average assets | 0.8994% | 1,791 |
| Noninterest expense to average assets | 3.6324% | 1,506 |
| Loan and lease loss provision to assets | 0.2813% | 2,330 |
| Net operating income to assets | 0.0320% | 6,280 |
| Return on assets (ROA) | 0.2150% | 6,059 |
| Pretax return on assets | 0.2039% | 6,143 |
| Return on Equity (ROE) | 3.2440% | 5,586 |
| Retained earnings to average equity (ytd only) | 3.2440% | 4,452 |
| Net charge-offs to loans | 0.6878% | 1,614 |
| Credit loss provision to net charge-offs | 62.6072% | 3,733 |
| Earnings coverage of net charge-offs (x) | 0.6724% | 4,723 |
| Efficiency ratio | 92.3213% | 910 |
| Assets per employee ($millions) | 3.1825% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8342% | 916 |
| Loan loss allowance to noncurrent loans | 117.8562% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 2.6346% | 2,105 |
| Noncurrent loans to loans | 2.4048% | 2,501 |
| Net loans and leases to total assets | 60.8317% | 3,655 |
| Net loans and leases to deposits | 69.0463% | 4,034 |
| Net loans and leases to core deposits | 74.7759% | 3,925 |
| Total domestic deposits to total assets | 88.1028% | 2,075 |
| Equity capital to assets | 6.7638% | 6,945 |
| Core capital (leverage) ratio | 6.8888% | 6,848 |
| Tier 1 risk-based capital ratio | 9.1968% | 6,957 |
| Total risk-based capital ratio | 10.4121% | 6,966 |
| Memoranda: | ||
| Average total assets | $518,994,330 | 1,305 |
| Average earning assets | $460,433,330 | 1,343 |
| Average equity | $34,402,330 | 2,011 |
| Average total loans | $339,032,000 | 1,260 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 4,538 |
| Cost of funding earning assets | 0.9000% | 2,691 |
| Net interest margin | 3.4443% | 4,933 |
| Noninterest income to average assets | 0.8896% | 1,791 |
| Noninterest expense to average assets | 3.6804% | 1,410 |
| Loan and lease loss provision to assets | 0.3649% | 1,728 |
| Net operating income to assets | -0.0914% | 6,528 |
| Return on assets (ROA) | 0.1421% | 6,266 |
| Pretax return on assets | 0.2873% | 6,008 |
| Return on Equity (ROE) | 2.1658% | 6,017 |
| Retained earnings to average equity (ytd only) | 2.1658% | 5,179 |
| Net charge-offs to loans | 0.8250% | 1,244 |
| Credit loss provision to net charge-offs | 66.3408% | 2,988 |
| Earnings coverage of net charge-offs (x) | 0.5223% | 4,079 |
| Efficiency ratio | 92.7590% | 896 |
| Assets per employee ($millions) | 3.4545% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7926% | 1,018 |
| Loan loss allowance to noncurrent loans | 120.4616% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 2.5646% | 2,304 |
| Noncurrent loans to loans | 2.3183% | 2,791 |
| Net loans and leases to total assets | 62.7622% | 3,107 |
| Net loans and leases to deposits | 71.1651% | 3,560 |
| Net loans and leases to core deposits | 77.3692% | 3,417 |
| Total domestic deposits to total assets | 88.1923% | 2,191 |
| Equity capital to assets | 6.5762% | 6,998 |
| Core capital (leverage) ratio | 6.6944% | 6,930 |
| Tier 1 risk-based capital ratio | 9.0579% | 7,019 |
| Total risk-based capital ratio | 10.2714% | 7,029 |
| Memoranda: | ||
| Average total assets | $520,707,500 | 1,307 |
| Average earning assets | $465,353,000 | 1,336 |
| Average equity | $34,167,500 | 2,024 |
| Average total loans | $347,159,500 | 1,213 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 4,794 |
| Cost of funding earning assets | 1.0391% | 3,101 |
| Net interest margin | 3.5298% | 5,024 |
| Noninterest income to average assets | 0.8193% | 1,967 |
| Noninterest expense to average assets | 3.6603% | 1,613 |
| Loan and lease loss provision to assets | 0.9579% | 1,004 |
| Net operating income to assets | -0.6899% | 6,602 |
| Return on assets (ROA) | -0.5375% | 6,557 |
| Pretax return on assets | -0.5398% | 6,515 |
| Return on Equity (ROE) | -8.4251% | 6,693 |
| Retained earnings to average equity (ytd only) | -8.4251% | 6,642 |
| Net charge-offs to loans | 2.0555% | 661 |
| Credit loss provision to net charge-offs | 67.1194% | 4,957 |
| Earnings coverage of net charge-offs (x) | 0.1862% | 5,694 |
| Efficiency ratio | 93.2313% | 967 |
| Assets per employee ($millions) | 3.5839% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6640% | 1,122 |
| Loan loss allowance to noncurrent loans | 90.7490% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 3.0915% | 1,937 |
| Noncurrent loans to loans | 2.9356% | 2,218 |
| Net loans and leases to total assets | 66.9242% | 2,603 |
| Net loans and leases to deposits | 78.5035% | 2,757 |
| Net loans and leases to core deposits | 87.0959% | 2,490 |
| Total domestic deposits to total assets | 85.2499% | 3,724 |
| Equity capital to assets | 6.5474% | 7,042 |
| Core capital (leverage) ratio | 6.5110% | 6,980 |
| Tier 1 risk-based capital ratio | 8.7144% | 7,061 |
| Total risk-based capital ratio | 9.9785% | 7,062 |
| Memoranda: | ||
| Average total assets | $567,464,200 | 1,166 |
| Average earning assets | $499,468,400 | 1,212 |
| Average equity | $36,201,200 | 1,876 |
| Average total loans | $394,011,600 | 1,083 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 5,009 |
| Cost of funding earning assets | 1.0371% | 3,412 |
| Net interest margin | 3.5297% | 5,061 |
| Noninterest income to average assets | 0.9018% | 1,646 |
| Noninterest expense to average assets | 3.6414% | 1,622 |
| Loan and lease loss provision to assets | 0.8841% | 1,027 |
| Net operating income to assets | -0.4098% | 6,591 |
| Return on assets (ROA) | -0.4264% | 6,648 |
| Pretax return on assets | -0.5487% | 6,649 |
| Return on Equity (ROE) | -6.7234% | 6,754 |
| Retained earnings to average equity (ytd only) | -6.7234% | 6,688 |
| Net charge-offs to loans | 1.9501% | 661 |
| Credit loss provision to net charge-offs | 65.1495% | 4,625 |
| Earnings coverage of net charge-offs (x) | 0.2627% | 5,399 |
| Efficiency ratio | 91.0820% | 1,102 |
| Assets per employee ($millions) | 3.6292% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6780% | 1,153 |
| Loan loss allowance to noncurrent loans | 74.6285% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 3.6370% | 1,726 |
| Noncurrent loans to loans | 3.5884% | 1,917 |
| Net loans and leases to total assets | 68.0598% | 2,484 |
| Net loans and leases to deposits | 81.8355% | 2,390 |
| Net loans and leases to core deposits | 91.1434% | 2,102 |
| Total domestic deposits to total assets | 83.1666% | 4,617 |
| Equity capital to assets | 6.6984% | 7,105 |
| Core capital (leverage) ratio | 6.5047% | 7,072 |
| Tier 1 risk-based capital ratio | 8.6556% | 7,145 |
| Total risk-based capital ratio | 9.9202% | 7,147 |
| Memoranda: | ||
| Average total assets | $578,519,500 | 1,146 |
| Average earning assets | $507,446,500 | 1,195 |
| Average equity | $36,686,750 | 1,836 |
| Average total loans | $402,574,500 | 1,065 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 5,087 |
| Cost of funding earning assets | 1.0340% | 3,715 |
| Net interest margin | 3.5401% | 4,971 |
| Noninterest income to average assets | 0.9334% | 1,517 |
| Noninterest expense to average assets | 3.7189% | 1,495 |
| Loan and lease loss provision to assets | 1.0887% | 755 |
| Net operating income to assets | -0.6923% | 6,810 |
| Return on assets (ROA) | -0.7198% | 6,835 |
| Pretax return on assets | -0.8188% | 6,833 |
| Return on Equity (ROE) | -11.5504% | 6,984 |
| Retained earnings to average equity (ytd only) | -11.5504% | 6,932 |
| Net charge-offs to loans | 2.0021% | 670 |
| Credit loss provision to net charge-offs | 78.2598% | 3,826 |
| Earnings coverage of net charge-offs (x) | 0.2164% | 5,148 |
| Efficiency ratio | 92.5108% | 1,063 |
| Assets per employee ($millions) | 3.5836% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8719% | 1,013 |
| Loan loss allowance to noncurrent loans | 62.0560% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 3.8511% | 1,679 |
| Noncurrent loans to loans | 4.6279% | 1,425 |
| Net loans and leases to total assets | 62.3039% | 3,827 |
| Net loans and leases to deposits | 81.2015% | 2,579 |
| Net loans and leases to core deposits | 96.9582% | 1,587 |
| Total domestic deposits to total assets | 76.7276% | 6,491 |
| Equity capital to assets | 5.7966% | 7,271 |
| Core capital (leverage) ratio | 6.2190% | 7,165 |
| Tier 1 risk-based capital ratio | 8.2015% | 7,236 |
| Total risk-based capital ratio | 9.4682% | 7,237 |
| Memoranda: | ||
| Average total assets | $589,898,330 | 1,127 |
| Average earning assets | $514,334,670 | 1,184 |
| Average equity | $36,760,670 | 1,820 |
| Average total loans | $409,865,670 | 1,048 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 4,943 |
| Cost of funding earning assets | 1.0490% | 3,856 |
| Net interest margin | 3.5519% | 4,807 |
| Noninterest income to average assets | 0.9663% | 1,417 |
| Noninterest expense to average assets | 3.6479% | 1,655 |
| Loan and lease loss provision to assets | 0.5168% | 1,682 |
| Net operating income to assets | 0.0022% | 6,345 |
| Return on assets (ROA) | -0.0444% | 6,427 |
| Pretax return on assets | -0.0610% | 6,414 |
| Return on Equity (ROE) | -0.6868% | 6,450 |
| Retained earnings to average equity (ytd only) | -0.6868% | 5,925 |
| Net charge-offs to loans | 2.5145% | 453 |
| Credit loss provision to net charge-offs | 28.4134% | 4,143 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 4,398 |
| Efficiency ratio | 87.5333% | 1,563 |
| Assets per employee ($millions) | 3.5225% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5379% | 1,407 |
| Loan loss allowance to noncurrent loans | 57.5536% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 4.0572% | 1,650 |
| Noncurrent loans to loans | 4.4097% | 1,596 |
| Net loans and leases to total assets | 67.6958% | 2,617 |
| Net loans and leases to deposits | 81.8090% | 2,395 |
| Net loans and leases to core deposits | 102.2789% | 1,178 |
| Total domestic deposits to total assets | 82.7486% | 5,011 |
| Equity capital to assets | 6.3353% | 7,245 |
| Core capital (leverage) ratio | 6.5417% | 7,161 |
| Tier 1 risk-based capital ratio | 8.6359% | 7,252 |
| Total risk-based capital ratio | 9.8996% | 7,258 |
| Memoranda: | ||
| Average total assets | $576,659,000 | 1,167 |
| Average earning assets | $519,725,500 | 1,181 |
| Average equity | $37,276,500 | 1,784 |
| Average total loans | $417,107,500 | 1,040 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 4,102 |
| Cost of funding earning assets | 1.2772% | 4,036 |
| Net interest margin | 3.8216% | 3,858 |
| Noninterest income to average assets | 0.9863% | 1,554 |
| Noninterest expense to average assets | 3.4977% | 2,189 |
| Loan and lease loss provision to assets | 1.7331% | 812 |
| Net operating income to assets | -1.8806% | 7,023 |
| Return on assets (ROA) | -2.0247% | 7,075 |
| Pretax return on assets | -1.0610% | 6,675 |
| Return on Equity (ROE) | -28.8029% | 7,205 |
| Retained earnings to average equity (ytd only) | -28.8029% | 7,193 |
| Net charge-offs to loans | 1.9978% | 1,012 |
| Credit loss provision to net charge-offs | 119.0682% | 3,565 |
| Earnings coverage of net charge-offs (x) | 0.5607% | 5,550 |
| Efficiency ratio | 81.0808% | 2,279 |
| Assets per employee ($millions) | 3.0379% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8775% | 974 |
| Loan loss allowance to noncurrent loans | 66.4695% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 4.1959% | 1,598 |
| Noncurrent loans to loans | 4.3290% | 1,665 |
| Net loans and leases to total assets | 73.1555% | 1,834 |
| Net loans and leases to deposits | 89.1745% | 1,621 |
| Net loans and leases to core deposits | 113.1972% | 764 |
| Total domestic deposits to total assets | 82.0363% | 5,174 |
| Equity capital to assets | 6.5984% | 7,235 |
| Core capital (leverage) ratio | 6.4074% | 7,213 |
| Tier 1 risk-based capital ratio | 8.9884% | 7,248 |
| Total risk-based capital ratio | 10.2588% | 7,250 |
| Memoranda: | ||
| Average total assets | $637,023,600 | 1,052 |
| Average earning assets | $554,668,600 | 1,095 |
| Average equity | $44,780,200 | 1,493 |
| Average total loans | $464,120,000 | 973 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 4,528 |
| Cost of funding earning assets | 1.2826% | 4,348 |
| Net interest margin | 3.7793% | 4,059 |
| Noninterest income to average assets | 0.8777% | 1,882 |
| Noninterest expense to average assets | 3.3953% | 2,308 |
| Loan and lease loss provision to assets | 2.0107% | 593 |
| Net operating income to assets | -2.2828% | 7,299 |
| Return on assets (ROA) | -2.4616% | 7,355 |
| Pretax return on assets | -1.4430% | 7,031 |
| Return on Equity (ROE) | -34.5600% | 7,449 |
| Retained earnings to average equity (ytd only) | -34.5600% | 7,445 |
| Net charge-offs to loans | 2.1474% | 855 |
| Credit loss provision to net charge-offs | 129.4626% | 3,126 |
| Earnings coverage of net charge-offs (x) | 0.4806% | 5,542 |
| Efficiency ratio | 81.9777% | 2,061 |
| Assets per employee ($millions) | 3.2648% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8013% | 1,002 |
| Loan loss allowance to noncurrent loans | 73.1984% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 3.5991% | 1,979 |
| Noncurrent loans to loans | 3.8270% | 2,005 |
| Net loans and leases to total assets | 71.9451% | 2,261 |
| Net loans and leases to deposits | 86.2109% | 2,290 |
| Net loans and leases to core deposits | 114.1215% | 826 |
| Total domestic deposits to total assets | 83.4525% | 4,397 |
| Equity capital to assets | 6.3839% | 7,439 |
| Core capital (leverage) ratio | 6.1774% | 7,410 |
| Tier 1 risk-based capital ratio | 8.5985% | 7,423 |
| Total risk-based capital ratio | 9.8678% | 7,432 |
| Memoranda: | ||
| Average total assets | $655,015,250 | 1,023 |
| Average earning assets | $565,693,000 | 1,075 |
| Average equity | $46,654,000 | 1,450 |
| Average total loans | $473,745,750 | 956 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 4,327 |
| Cost of funding earning assets | 1.3034% | 4,513 |
| Net interest margin | 3.8205% | 3,808 |
| Noninterest income to average assets | 0.8798% | 1,761 |
| Noninterest expense to average assets | 3.2972% | 2,577 |
| Loan and lease loss provision to assets | 1.5991% | 817 |
| Net operating income to assets | -0.6352% | 6,766 |
| Return on assets (ROA) | -0.8909% | 6,918 |
| Pretax return on assets | -1.0712% | 6,922 |
| Return on Equity (ROE) | -12.1236% | 7,044 |
| Retained earnings to average equity (ytd only) | -12.1236% | 7,002 |
| Net charge-offs to loans | 1.1295% | 1,674 |
| Credit loss provision to net charge-offs | 197.1608% | 2,002 |
| Earnings coverage of net charge-offs (x) | 1.0306% | 4,758 |
| Efficiency ratio | 79.7757% | 2,469 |
| Assets per employee ($millions) | 3.3017% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8160% | 986 |
| Loan loss allowance to noncurrent loans | 78.2552% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 3.4045% | 2,068 |
| Noncurrent loans to loans | 3.5985% | 2,192 |
| Net loans and leases to total assets | 70.2962% | 2,840 |
| Net loans and leases to deposits | 84.9792% | 2,708 |
| Net loans and leases to core deposits | 113.6012% | 933 |
| Total domestic deposits to total assets | 82.7216% | 4,686 |
| Equity capital to assets | 7.4551% | 7,141 |
| Core capital (leverage) ratio | 6.6524% | 7,332 |
| Tier 1 risk-based capital ratio | 9.0810% | 7,396 |
| Total risk-based capital ratio | 10.3500% | 7,398 |
| Memoranda: | ||
| Average total assets | $668,757,000 | 1,012 |
| Average earning assets | $569,448,000 | 1,073 |
| Average equity | $49,144,000 | 1,361 |
| Average total loans | $480,221,330 | 952 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 4,551 |
| Cost of funding earning assets | 1.3015% | 4,804 |
| Net interest margin | 3.7935% | 3,822 |
| Noninterest income to average assets | 0.7868% | 2,086 |
| Noninterest expense to average assets | 3.1655% | 2,989 |
| Loan and lease loss provision to assets | 1.1515% | 1,063 |
| Net operating income to assets | -0.1414% | 6,466 |
| Return on assets (ROA) | -0.5285% | 6,876 |
| Pretax return on assets | -0.9019% | 7,003 |
| Return on Equity (ROE) | -7.2410% | 7,014 |
| Retained earnings to average equity (ytd only) | -7.2410% | 6,767 |
| Net charge-offs to loans | 0.9239% | 1,739 |
| Credit loss provision to net charge-offs | 174.1563% | 2,087 |
| Earnings coverage of net charge-offs (x) | 1.2922% | 3,975 |
| Efficiency ratio | 78.7467% | 2,770 |
| Assets per employee ($millions) | 3.4733% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3422% | 1,509 |
| Loan loss allowance to noncurrent loans | 68.9374% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.9923% | 2,400 |
| Noncurrent loans to loans | 3.3976% | 2,355 |
| Net loans and leases to total assets | 68.5940% | 3,254 |
| Net loans and leases to deposits | 82.1372% | 3,260 |
| Net loans and leases to core deposits | 115.5576% | 965 |
| Total domestic deposits to total assets | 83.5115% | 4,378 |
| Equity capital to assets | 7.2206% | 7,271 |
| Core capital (leverage) ratio | 6.6515% | 7,412 |
| Tier 1 risk-based capital ratio | 9.0798% | 7,461 |
| Total risk-based capital ratio | 10.3429% | 7,468 |
| Memoranda: | ||
| Average total assets | $681,222,500 | 1,009 |
| Average earning assets | $580,574,500 | 1,077 |
| Average equity | $49,717,000 | 1,345 |
| Average total loans | $487,482,500 | 960 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1203% | 5,999 |
| Cost of funding earning assets | 1.6476% | 4,810 |
| Net interest margin | 3.4728% | 5,076 |
| Noninterest income to average assets | 0.6429% | 3,337 |
| Noninterest expense to average assets | 3.6430% | 2,050 |
| Loan and lease loss provision to assets | 1.3340% | 1,719 |
| Net operating income to assets | -0.7341% | 6,397 |
| Return on assets (ROA) | -0.9149% | 6,524 |
| Pretax return on assets | -1.5031% | 6,705 |
| Return on Equity (ROE) | -12.1047% | 6,775 |
| Retained earnings to average equity (ytd only) | -12.1047% | 6,692 |
| Net charge-offs to loans | 0.9997% | 2,411 |
| Credit loss provision to net charge-offs | 185.8414% | 2,188 |
| Earnings coverage of net charge-offs (x) | 0.1580% | 6,002 |
| Efficiency ratio | 96.9807% | 1,268 |
| Assets per employee ($millions) | 3.4078% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 1,773 |
| Loan loss allowance to noncurrent loans | 86.1618% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 2.5305% | 2,765 |
| Noncurrent loans to loans | 2.4723% | 3,077 |
| Net loans and leases to total assets | 71.3531% | 2,918 |
| Net loans and leases to deposits | 86.1606% | 2,885 |
| Net loans and leases to core deposits | 92.2837% | 4,850 |
| Total domestic deposits to total assets | 82.8140% | 4,603 |
| Equity capital to assets | 7.3773% | 7,138 |
| Core capital (leverage) ratio | 6.6572% | 7,427 |
| Tier 1 risk-based capital ratio | 8.9364% | 7,494 |
| Total risk-based capital ratio | 10.1963% | 7,511 |
| Memoranda: | ||
| Average total assets | $704,475,600 | 974 |
| Average earning assets | $631,599,200 | 992 |
| Average equity | $53,243,800 | 1,245 |
| Average total loans | $505,869,400 | 941 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 6,250 |
| Cost of funding earning assets | 1.7201% | 4,801 |
| Net interest margin | 3.3844% | 5,336 |
| Noninterest income to average assets | 0.6989% | 3,021 |
| Noninterest expense to average assets | 3.0385% | 3,888 |
| Loan and lease loss provision to assets | 1.2938% | 1,486 |
| Net operating income to assets | -0.4233% | 6,351 |
| Return on assets (ROA) | -0.7053% | 6,623 |
| Pretax return on assets | -0.9641% | 6,656 |
| Return on Equity (ROE) | -9.2795% | 6,836 |
| Retained earnings to average equity (ytd only) | -9.2795% | 6,736 |
| Net charge-offs to loans | 1.0989% | 1,815 |
| Credit loss provision to net charge-offs | 164.5545% | 2,859 |
| Earnings coverage of net charge-offs (x) | 0.9107% | 5,146 |
| Efficiency ratio | 80.9298% | 2,716 |
| Assets per employee ($millions) | 3.6131% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 2,365 |
| Loan loss allowance to noncurrent loans | 70.0166% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.5000% | 2,773 |
| Noncurrent loans to loans | 2.5349% | 2,977 |
| Net loans and leases to total assets | 68.4472% | 3,856 |
| Net loans and leases to deposits | 82.2933% | 3,960 |
| Net loans and leases to core deposits | 88.2120% | 5,622 |
| Total domestic deposits to total assets | 83.1747% | 4,132 |
| Equity capital to assets | 7.3100% | 7,420 |
| Core capital (leverage) ratio | 7.1743% | 7,285 |
| Tier 1 risk-based capital ratio | 9.4941% | 7,378 |
| Total risk-based capital ratio | 10.7468% | 7,339 |
| Memoranda: | ||
| Average total assets | $711,910,500 | 968 |
| Average earning assets | $642,746,250 | 985 |
| Average equity | $54,110,500 | 1,235 |
| Average total loans | $509,355,750 | 954 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 5,844 |
| Cost of funding earning assets | 1.8375% | 4,571 |
| Net interest margin | 3.4166% | 5,106 |
| Noninterest income to average assets | 0.7043% | 2,964 |
| Noninterest expense to average assets | 2.9836% | 4,148 |
| Loan and lease loss provision to assets | 1.4469% | 1,201 |
| Net operating income to assets | -0.4699% | 6,519 |
| Return on assets (ROA) | -0.5344% | 6,592 |
| Pretax return on assets | -0.7387% | 6,636 |
| Return on Equity (ROE) | -6.9413% | 6,789 |
| Retained earnings to average equity (ytd only) | -6.9413% | 6,548 |
| Net charge-offs to loans | 1.2808% | 1,447 |
| Credit loss provision to net charge-offs | 156.5297% | 2,939 |
| Earnings coverage of net charge-offs (x) | 0.8630% | 4,886 |
| Efficiency ratio | 78.9031% | 3,209 |
| Assets per employee ($millions) | 3.5329% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 2,823 |
| Loan loss allowance to noncurrent loans | 133.9869% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 3,910 |
| Noncurrent loans to loans | 1.1802% | 4,860 |
| Net loans and leases to total assets | 72.2323% | 3,153 |
| Net loans and leases to deposits | 88.0126% | 3,167 |
| Net loans and leases to core deposits | 97.5291% | 4,738 |
| Total domestic deposits to total assets | 82.0705% | 4,662 |
| Equity capital to assets | 7.6702% | 7,112 |
| Core capital (leverage) ratio | 7.0656% | 7,489 |
| Tier 1 risk-based capital ratio | 9.4679% | 7,419 |
| Total risk-based capital ratio | 10.7210% | 7,372 |
| Memoranda: | ||
| Average total assets | $710,751,330 | 986 |
| Average earning assets | $640,107,670 | 1,005 |
| Average equity | $54,715,670 | 1,228 |
| Average total loans | $512,970,670 | 974 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 6,373 |
| Cost of funding earning assets | 1.9360% | 4,459 |
| Net interest margin | 3.2445% | 5,711 |
| Noninterest income to average assets | 0.6618% | 3,120 |
| Noninterest expense to average assets | 2.6034% | 5,435 |
| Loan and lease loss provision to assets | 1.9039% | 640 |
| Net operating income to assets | -0.4783% | 6,856 |
| Return on assets (ROA) | -0.4783% | 6,915 |
| Pretax return on assets | -0.9018% | 7,100 |
| Return on Equity (ROE) | -6.2027% | 7,081 |
| Retained earnings to average equity (ytd only) | -6.2027% | 6,711 |
| Net charge-offs to loans | 1.9766% | 728 |
| Credit loss provision to net charge-offs | 134.5476% | 3,011 |
| Earnings coverage of net charge-offs (x) | 0.7082% | 4,445 |
| Efficiency ratio | 72.2060% | 4,158 |
| Assets per employee ($millions) | 3.5949% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 3,783 |
| Loan loss allowance to noncurrent loans | 111.7479% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 3,730 |
| Noncurrent loans to loans | 1.2107% | 4,548 |
| Net loans and leases to total assets | 70.1410% | 3,638 |
| Net loans and leases to deposits | 86.9878% | 3,472 |
| Net loans and leases to core deposits | 96.2424% | 4,941 |
| Total domestic deposits to total assets | 80.6332% | 5,120 |
| Equity capital to assets | 7.8431% | 7,010 |
| Core capital (leverage) ratio | 7.8423% | 6,702 |
| Tier 1 risk-based capital ratio | 10.2105% | 6,704 |
| Total risk-based capital ratio | 11.3781% | 6,695 |
| Memoranda: | ||
| Average total assets | $721,670,500 | 973 |
| Average earning assets | $654,766,500 | 980 |
| Average equity | $55,653,000 | 1,220 |
| Average total loans | $516,649,500 | 965 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9996% | 5,548 |
| Cost of funding earning assets | 2.6452% | 3,459 |
| Net interest margin | 3.3543% | 5,853 |
| Noninterest income to average assets | 0.6351% | 3,597 |
| Noninterest expense to average assets | 2.7357% | 5,105 |
| Loan and lease loss provision to assets | 1.1590% | 1,253 |
| Net operating income to assets | 0.1013% | 6,109 |
| Return on assets (ROA) | 0.1013% | 5,953 |
| Pretax return on assets | -0.2163% | 6,382 |
| Return on Equity (ROE) | 1.4399% | 5,789 |
| Retained earnings to average equity (ytd only) | -1.1681% | 5,647 |
| Net charge-offs to loans | 1.9973% | 540 |
| Credit loss provision to net charge-offs | 79.1042% | 5,918 |
| Earnings coverage of net charge-offs (x) | 0.6434% | 5,838 |
| Efficiency ratio | 74.3719% | 3,510 |
| Assets per employee ($millions) | 3.3979% | 4,949 |
| Cash dividends to net income (ytd only)* | 181.1189% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 4,590 |
| Loan loss allowance to noncurrent loans | 101.4548% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 3,070 |
| Noncurrent loans to loans | 1.1759% | 4,170 |
| Net loans and leases to total assets | 71.2296% | 3,741 |
| Net loans and leases to deposits | 89.5390% | 3,529 |
| Net loans and leases to core deposits | 99.7058% | 4,851 |
| Total domestic deposits to total assets | 79.5515% | 5,181 |
| Equity capital to assets | 7.5773% | 7,322 |
| Core capital (leverage) ratio | 7.3955% | 7,310 |
| Tier 1 risk-based capital ratio | 9.7000% | 7,083 |
| Total risk-based capital ratio | 10.8181% | 7,139 |
| Memoranda: | ||
| Average total assets | $705,512,800 | 950 |
| Average earning assets | $640,097,600 | 946 |
| Average equity | $49,655,400 | 1,370 |
| Average total loans | $517,542,000 | 917 |