Home > The Northampton Co-operative Bank > Performance and Condition Ratios
The Northampton Co-operative Bank, Performance and Condition Ratios
| 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 | 2.9505% | 5,944 |
| Cost of funding earning assets | 0.3007% | 4,434 |
| Net interest margin | 2.6498% | 5,869 |
| Noninterest income to average assets | 0.4038% | 3,976 |
| Noninterest expense to average assets | 3.5137% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4788% | 6,240 |
| Return on assets (ROA) | -0.4788% | 6,250 |
| Pretax return on assets | -0.7230% | 6,276 |
| Return on Equity (ROE) | -3.4087% | 6,226 |
| Retained earnings to average equity (ytd only) | -3.4087% | 5,824 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.9099% | 97 |
| Assets per employee ($millions) | 5.8611% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5160% | 6,156 |
| Loan loss allowance to noncurrent loans | 77.5444% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 4,508 |
| Noncurrent loans to loans | 0.6654% | 3,618 |
| Net loans and leases to total assets | 56.3950% | 4,158 |
| Net loans and leases to deposits | 70.2117% | 3,729 |
| Net loans and leases to core deposits | 72.2930% | 3,935 |
| Total domestic deposits to total assets | 80.3214% | 4,985 |
| Equity capital to assets | 14.1708% | 927 |
| Core capital (leverage) ratio | 13.9830% | 828 |
| Tier 1 risk-based capital ratio | 25.6920% | 816 |
| Total risk-based capital ratio | 26.2339% | 870 |
| Memoranda: | ||
| Average total assets | $165,411,500 | 3,438 |
| Average earning assets | $148,991,500 | 3,481 |
| Average equity | $23,235,000 | 2,910 |
| Average total loans | $93,610,000 | 3,571 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9002% | 6,137 |
| Cost of funding earning assets | 0.2647% | 5,165 |
| Net interest margin | 2.6355% | 6,026 |
| Noninterest income to average assets | 0.3937% | 4,236 |
| Noninterest expense to average assets | 2.9396% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0966% | 6,153 |
| Return on assets (ROA) | -0.0966% | 6,160 |
| Pretax return on assets | -0.1674% | 6,174 |
| Return on Equity (ROE) | -0.6890% | 6,147 |
| Retained earnings to average equity (ytd only) | -0.6890% | 5,876 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0403% | 262 |
| Assets per employee ($millions) | 5.9540% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 6,246 |
| Loan loss allowance to noncurrent loans | 77.2947% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 4,576 |
| Noncurrent loans to loans | 0.6593% | 3,706 |
| Net loans and leases to total assets | 56.2104% | 4,305 |
| Net loans and leases to deposits | 71.8914% | 3,692 |
| Net loans and leases to core deposits | 73.9485% | 3,922 |
| Total domestic deposits to total assets | 78.1880% | 5,400 |
| Equity capital to assets | 13.9247% | 983 |
| Core capital (leverage) ratio | 13.7936% | 867 |
| Tier 1 risk-based capital ratio | 26.5566% | 718 |
| Total risk-based capital ratio | 27.1076% | 756 |
| Memoranda: | ||
| Average total assets | $166,621,400 | 3,384 |
| Average earning assets | $150,369,800 | 3,436 |
| Average equity | $23,367,200 | 2,814 |
| Average total loans | $90,353,400 | 3,623 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8616% | 6,239 |
| Cost of funding earning assets | 0.2654% | 5,253 |
| Net interest margin | 2.5962% | 6,139 |
| Noninterest income to average assets | 0.3889% | 4,330 |
| Noninterest expense to average assets | 2.3345% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2889% | 5,625 |
| Return on assets (ROA) | 0.2889% | 5,693 |
| Pretax return on assets | 0.3954% | 5,585 |
| Return on Equity (ROE) | 2.0564% | 5,827 |
| Retained earnings to average equity (ytd only) | 2.0564% | 5,027 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5174% | 1,232 |
| Assets per employee ($millions) | 6.1356% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5085% | 6,329 |
| Loan loss allowance to noncurrent loans | 77.1704% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 4,839 |
| Noncurrent loans to loans | 0.6589% | 3,965 |
| Net loans and leases to total assets | 54.6672% | 4,495 |
| Net loans and leases to deposits | 70.3512% | 3,881 |
| Net loans and leases to core deposits | 72.8065% | 4,075 |
| Total domestic deposits to total assets | 77.7061% | 5,584 |
| Equity capital to assets | 13.7675% | 1,085 |
| Core capital (leverage) ratio | 14.0792% | 823 |
| Tier 1 risk-based capital ratio | 26.9058% | 715 |
| Total risk-based capital ratio | 27.4500% | 748 |
| Memoranda: | ||
| Average total assets | $166,599,000 | 3,413 |
| Average earning assets | $150,214,500 | 3,461 |
| Average equity | $23,405,500 | 2,818 |
| Average total loans | $89,394,500 | 3,673 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8419% | 6,304 |
| Cost of funding earning assets | 0.2722% | 5,268 |
| Net interest margin | 2.5697% | 6,208 |
| Noninterest income to average assets | 0.3894% | 4,318 |
| Noninterest expense to average assets | 2.3934% | 4,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2317% | 5,754 |
| Return on assets (ROA) | 0.2317% | 5,821 |
| Pretax return on assets | 0.3093% | 5,765 |
| Return on Equity (ROE) | 1.6378% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.6378% | 5,084 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5548% | 1,037 |
| Assets per employee ($millions) | 5.9143% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5386% | 6,375 |
| Loan loss allowance to noncurrent loans | 76.9231% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 4,893 |
| Noncurrent loans to loans | 0.7002% | 3,954 |
| Net loans and leases to total assets | 53.5223% | 4,594 |
| Net loans and leases to deposits | 65.4133% | 4,333 |
| Net loans and leases to core deposits | 69.8431% | 4,283 |
| Total domestic deposits to total assets | 81.8219% | 4,710 |
| Equity capital to assets | 14.2005% | 902 |
| Core capital (leverage) ratio | 14.3051% | 755 |
| Tier 1 risk-based capital ratio | 27.3070% | 683 |
| Total risk-based capital ratio | 27.8650% | 711 |
| Memoranda: | ||
| Average total assets | $164,866,670 | 3,463 |
| Average earning assets | $148,423,330 | 3,510 |
| Average equity | $23,323,330 | 2,817 |
| Average total loans | $87,727,330 | 3,724 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8056% | 6,396 |
| Cost of funding earning assets | 0.2835% | 5,235 |
| Net interest margin | 2.5220% | 6,315 |
| Noninterest income to average assets | 0.3769% | 4,376 |
| Noninterest expense to average assets | 2.2857% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2650% | 5,615 |
| Return on assets (ROA) | 0.2650% | 5,658 |
| Pretax return on assets | 0.3623% | 5,566 |
| Return on Equity (ROE) | 1.8771% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.8771% | 4,843 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3177% | 1,415 |
| Assets per employee ($millions) | 5.8880% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5513% | 6,455 |
| Loan loss allowance to noncurrent loans | 80.2676% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 5,074 |
| Noncurrent loans to loans | 0.6868% | 4,151 |
| Net loans and leases to total assets | 52.5245% | 4,611 |
| Net loans and leases to deposits | 64.1741% | 4,296 |
| Net loans and leases to core deposits | 67.9376% | 4,319 |
| Total domestic deposits to total assets | 81.8469% | 4,984 |
| Equity capital to assets | 14.1693% | 866 |
| Core capital (leverage) ratio | 14.4072% | 716 |
| Tier 1 risk-based capital ratio | 27.4394% | 685 |
| Total risk-based capital ratio | 27.9975% | 716 |
| Memoranda: | ||
| Average total assets | $164,500,000 | 3,489 |
| Average earning assets | $148,134,000 | 3,540 |
| Average equity | $23,227,000 | 2,821 |
| Average total loans | $87,034,500 | 3,769 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8676% | 6,452 |
| Cost of funding earning assets | 0.3399% | 5,244 |
| Net interest margin | 2.5277% | 6,348 |
| Noninterest income to average assets | 0.4892% | 3,823 |
| Noninterest expense to average assets | 2.3502% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3256% | 5,435 |
| Return on assets (ROA) | 0.4334% | 5,145 |
| Pretax return on assets | 0.5376% | 5,080 |
| Return on Equity (ROE) | 3.0572% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.0572% | 4,054 |
| Net charge-offs to loans | -0.0577% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3138% | 1,488 |
| Assets per employee ($millions) | 5.8620% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5518% | 6,523 |
| Loan loss allowance to noncurrent loans | 64.0854% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 4,873 |
| Noncurrent loans to loans | 0.8610% | 3,831 |
| Net loans and leases to total assets | 52.7093% | 4,759 |
| Net loans and leases to deposits | 64.3005% | 4,474 |
| Net loans and leases to core deposits | 68.2634% | 4,487 |
| Total domestic deposits to total assets | 81.9735% | 4,888 |
| Equity capital to assets | 14.0700% | 880 |
| Core capital (leverage) ratio | 14.4970% | 689 |
| Tier 1 risk-based capital ratio | 27.6880% | 629 |
| Total risk-based capital ratio | 28.2542% | 665 |
| Memoranda: | ||
| Average total assets | $163,138,000 | 3,511 |
| Average earning assets | $146,217,600 | 3,571 |
| Average equity | $23,125,800 | 2,806 |
| Average total loans | $86,684,400 | 3,765 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9007% | 6,492 |
| Cost of funding earning assets | 0.3521% | 5,272 |
| Net interest margin | 2.5486% | 6,383 |
| Noninterest income to average assets | 0.4985% | 3,815 |
| Noninterest expense to average assets | 2.3631% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3397% | 5,470 |
| Return on assets (ROA) | 0.4854% | 5,021 |
| Pretax return on assets | 0.5943% | 5,034 |
| Return on Equity (ROE) | 3.4177% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.4177% | 4,253 |
| Net charge-offs to loans | -0.0770% | 6,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0118% | 1,473 |
| Assets per employee ($millions) | 5.6529% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 6,607 |
| Loan loss allowance to noncurrent loans | 73.0594% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 5,219 |
| Noncurrent loans to loans | 0.7709% | 4,307 |
| Net loans and leases to total assets | 51.6967% | 4,911 |
| Net loans and leases to deposits | 63.0095% | 4,628 |
| Net loans and leases to core deposits | 67.0313% | 4,618 |
| Total domestic deposits to total assets | 82.0459% | 4,914 |
| Equity capital to assets | 14.0104% | 961 |
| Core capital (leverage) ratio | 14.4506% | 746 |
| Tier 1 risk-based capital ratio | 28.2977% | 608 |
| Total risk-based capital ratio | 28.8791% | 642 |
| Memoranda: | ||
| Average total assets | $162,888,500 | 3,555 |
| Average earning assets | $145,802,750 | 3,612 |
| Average equity | $23,133,750 | 2,837 |
| Average total loans | $86,606,750 | 3,799 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9186% | 6,518 |
| Cost of funding earning assets | 0.3686% | 5,240 |
| Net interest margin | 2.5500% | 6,389 |
| Noninterest income to average assets | 0.5168% | 3,724 |
| Noninterest expense to average assets | 2.3908% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3503% | 5,404 |
| Return on assets (ROA) | 0.5746% | 4,596 |
| Pretax return on assets | 0.6829% | 4,738 |
| Return on Equity (ROE) | 4.0278% | 5,208 |
| Retained earnings to average equity (ytd only) | 4.0278% | 3,735 |
| Net charge-offs to loans | -0.1149% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1819% | 1,499 |
| Assets per employee ($millions) | 5.7853% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 6,668 |
| Loan loss allowance to noncurrent loans | 72.9483% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 5,260 |
| Noncurrent loans to loans | 0.7495% | 4,424 |
| Net loans and leases to total assets | 53.8984% | 4,604 |
| Net loans and leases to deposits | 65.9001% | 4,276 |
| Net loans and leases to core deposits | 70.1553% | 4,262 |
| Total domestic deposits to total assets | 81.7882% | 5,118 |
| Equity capital to assets | 14.2548% | 892 |
| Core capital (leverage) ratio | 14.3148% | 748 |
| Tier 1 risk-based capital ratio | 28.0718% | 624 |
| Total risk-based capital ratio | 28.6517% | 652 |
| Memoranda: | ||
| Average total assets | $162,539,670 | 3,572 |
| Average earning assets | $145,959,000 | 3,630 |
| Average equity | $23,189,000 | 2,845 |
| Average total loans | $87,066,000 | 3,791 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9673% | 6,546 |
| Cost of funding earning assets | 0.3849% | 5,241 |
| Net interest margin | 2.5824% | 6,400 |
| Noninterest income to average assets | 0.5012% | 3,761 |
| Noninterest expense to average assets | 2.3339% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3538% | 5,333 |
| Return on assets (ROA) | 0.3538% | 5,474 |
| Pretax return on assets | 0.4914% | 5,290 |
| Return on Equity (ROE) | 2.4787% | 5,785 |
| Retained earnings to average equity (ytd only) | 2.4787% | 4,786 |
| Net charge-offs to loans | -0.2307% | 6,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6087% | 1,945 |
| Assets per employee ($millions) | 5.8824% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5551% | 6,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.2048% | 4,678 |
| Net loans and leases to deposits | 63.7483% | 4,347 |
| Net loans and leases to core deposits | 68.4698% | 4,243 |
| Total domestic deposits to total assets | 81.8921% | 5,232 |
| Equity capital to assets | 14.1433% | 981 |
| Core capital (leverage) ratio | 13.8785% | 829 |
| Tier 1 risk-based capital ratio | 26.9905% | 711 |
| Total risk-based capital ratio | 27.5685% | 748 |
| Memoranda: | ||
| Average total assets | $162,815,500 | 3,605 |
| Average earning assets | $146,532,000 | 3,652 |
| Average equity | $23,238,000 | 2,893 |
| Average total loans | $86,704,500 | 3,821 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2208% | 6,651 |
| Cost of funding earning assets | 0.4284% | 5,733 |
| Net interest margin | 2.7925% | 6,388 |
| Noninterest income to average assets | 0.8415% | 2,076 |
| Noninterest expense to average assets | 2.5114% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5951% | 4,266 |
| Return on assets (ROA) | 0.6890% | 4,049 |
| Pretax return on assets | 0.9601% | 3,704 |
| Return on Equity (ROE) | 4.8488% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.8488% | 2,813 |
| Net charge-offs to loans | 0.0591% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 26.4400% | 1,097 |
| Efficiency ratio | 75.1690% | 2,882 |
| Assets per employee ($millions) | 5.7473% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 6,841 |
| Loan loss allowance to noncurrent loans | 118.7845% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 5,996 |
| Noncurrent loans to loans | 0.4164% | 5,445 |
| Net loans and leases to total assets | 53.7608% | 4,649 |
| Net loans and leases to deposits | 65.9642% | 4,295 |
| Net loans and leases to core deposits | 70.4540% | 4,240 |
| Total domestic deposits to total assets | 81.5000% | 5,261 |
| Equity capital to assets | 14.4049% | 908 |
| Core capital (leverage) ratio | 14.0173% | 796 |
| Tier 1 risk-based capital ratio | 26.7124% | 712 |
| Total risk-based capital ratio | 27.2277% | 763 |
| Memoranda: | ||
| Average total assets | $159,354,400 | 3,630 |
| Average earning assets | $142,634,600 | 3,686 |
| Average equity | $22,644,600 | 2,893 |
| Average total loans | $84,619,200 | 3,884 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2509% | 6,762 |
| Cost of funding earning assets | 0.4344% | 5,906 |
| Net interest margin | 2.8165% | 6,476 |
| Noninterest income to average assets | 0.7884% | 2,289 |
| Noninterest expense to average assets | 2.4953% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5940% | 4,418 |
| Return on assets (ROA) | 0.7213% | 4,068 |
| Pretax return on assets | 0.9855% | 3,774 |
| Return on Equity (ROE) | 5.0938% | 4,781 |
| Retained earnings to average equity (ytd only) | 5.0938% | 3,301 |
| Net charge-offs to loans | 0.0793% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 19.3385% | 1,502 |
| Efficiency ratio | 75.4693% | 2,752 |
| Assets per employee ($millions) | 5.4959% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4928% | 6,957 |
| Loan loss allowance to noncurrent loans | 53.4826% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 5,411 |
| Noncurrent loans to loans | 0.9215% | 4,592 |
| Net loans and leases to total assets | 54.4755% | 4,671 |
| Net loans and leases to deposits | 66.7921% | 4,364 |
| Net loans and leases to core deposits | 71.6888% | 4,292 |
| Total domestic deposits to total assets | 81.5598% | 5,173 |
| Equity capital to assets | 14.4039% | 1,000 |
| Core capital (leverage) ratio | 13.9633% | 844 |
| Tier 1 risk-based capital ratio | 26.4217% | 792 |
| Total risk-based capital ratio | 26.9369% | 837 |
| Memoranda: | ||
| Average total assets | $158,962,000 | 3,676 |
| Average earning assets | $142,110,750 | 3,733 |
| Average equity | $22,510,500 | 2,935 |
| Average total loans | $84,038,000 | 3,953 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 6,844 |
| Cost of funding earning assets | 0.4441% | 6,001 |
| Net interest margin | 2.8127% | 6,553 |
| Noninterest income to average assets | 0.5427% | 3,636 |
| Noninterest expense to average assets | 2.4833% | 5,194 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4536% | 5,023 |
| Return on assets (ROA) | 0.6611% | 4,317 |
| Pretax return on assets | 0.8311% | 4,351 |
| Return on Equity (ROE) | 4.6955% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.6955% | 3,488 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2861% | 1,991 |
| Assets per employee ($millions) | 5.7970% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5582% | 6,969 |
| Loan loss allowance to noncurrent loans | 115.9420% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 6,135 |
| Noncurrent loans to loans | 0.4815% | 5,563 |
| Net loans and leases to total assets | 52.6766% | 5,013 |
| Net loans and leases to deposits | 64.0534% | 4,759 |
| Net loans and leases to core deposits | 68.4840% | 4,729 |
| Total domestic deposits to total assets | 82.2385% | 5,039 |
| Equity capital to assets | 13.9018% | 1,140 |
| Core capital (leverage) ratio | 13.7788% | 873 |
| Tier 1 risk-based capital ratio | 26.0218% | 803 |
| Total risk-based capital ratio | 26.5970% | 853 |
| Memoranda: | ||
| Average total assets | $158,822,670 | 3,689 |
| Average earning assets | $141,857,000 | 3,754 |
| Average equity | $22,361,670 | 2,942 |
| Average total loans | $82,966,330 | 4,013 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3056% | 6,889 |
| Cost of funding earning assets | 0.4665% | 6,043 |
| Net interest margin | 2.8390% | 6,572 |
| Noninterest income to average assets | 0.6239% | 3,084 |
| Noninterest expense to average assets | 2.4803% | 5,213 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4711% | 4,956 |
| Return on assets (ROA) | 0.4711% | 5,146 |
| Pretax return on assets | 0.6850% | 4,841 |
| Return on Equity (ROE) | 3.3243% | 5,582 |
| Retained earnings to average equity (ytd only) | 3.3243% | 4,568 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3588% | 2,444 |
| Assets per employee ($millions) | 5.6792% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 7,009 |
| Loan loss allowance to noncurrent loans | 178.4387% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 6,463 |
| Noncurrent loans to loans | 0.3197% | 6,040 |
| Net loans and leases to total assets | 52.6107% | 4,934 |
| Net loans and leases to deposits | 64.2086% | 4,605 |
| Net loans and leases to core deposits | 69.0463% | 4,556 |
| Total domestic deposits to total assets | 81.9372% | 5,320 |
| Equity capital to assets | 14.0765% | 1,000 |
| Core capital (leverage) ratio | 13.7964% | 857 |
| Tier 1 risk-based capital ratio | 26.0205% | 802 |
| Total risk-based capital ratio | 26.6048% | 850 |
| Memoranda: | ||
| Average total assets | $157,075,500 | 3,744 |
| Average earning assets | $140,610,500 | 3,800 |
| Average equity | $22,260,000 | 2,949 |
| Average total loans | $81,458,000 | 4,077 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 6,960 |
| Cost of funding earning assets | 0.5727% | 6,224 |
| Net interest margin | 2.9872% | 6,549 |
| Noninterest income to average assets | 0.5368% | 3,606 |
| Noninterest expense to average assets | 2.4894% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5025% | 4,416 |
| Return on assets (ROA) | 0.5025% | 4,624 |
| Pretax return on assets | 0.7092% | 4,294 |
| Return on Equity (ROE) | 3.5816% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.5816% | 3,681 |
| Net charge-offs to loans | 0.0505% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 27.4500% | 905 |
| Efficiency ratio | 77.8271% | 2,613 |
| Assets per employee ($millions) | 5.3494% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6093% | 7,006 |
| Loan loss allowance to noncurrent loans | 108.8435% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 6,139 |
| Noncurrent loans to loans | 0.5598% | 5,599 |
| Net loans and leases to total assets | 50.4699% | 5,529 |
| Net loans and leases to deposits | 61.8125% | 5,272 |
| Net loans and leases to core deposits | 66.7371% | 5,183 |
| Total domestic deposits to total assets | 81.6501% | 5,255 |
| Equity capital to assets | 14.2690% | 979 |
| Core capital (leverage) ratio | 13.7271% | 888 |
| Tier 1 risk-based capital ratio | 27.3331% | 687 |
| Total risk-based capital ratio | 27.9525% | 707 |
| Memoranda: | ||
| Average total assets | $154,818,800 | 3,721 |
| Average earning assets | $137,953,600 | 3,787 |
| Average equity | $21,722,400 | 2,922 |
| Average total loans | $79,257,000 | 4,163 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 7,046 |
| Cost of funding earning assets | 0.5981% | 6,290 |
| Net interest margin | 2.9791% | 6,619 |
| Noninterest income to average assets | 0.4636% | 4,188 |
| Noninterest expense to average assets | 2.4824% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4618% | 4,715 |
| Return on assets (ROA) | 0.4618% | 4,905 |
| Pretax return on assets | 0.6333% | 4,705 |
| Return on Equity (ROE) | 3.3057% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.3057% | 4,367 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6737% | 2,301 |
| Assets per employee ($millions) | 5.1878% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 7,021 |
| Loan loss allowance to noncurrent loans | 140.9214% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 6,468 |
| Noncurrent loans to loans | 0.4648% | 5,916 |
| Net loans and leases to total assets | 50.6718% | 5,619 |
| Net loans and leases to deposits | 61.8375% | 5,421 |
| Net loans and leases to core deposits | 67.1921% | 5,283 |
| Total domestic deposits to total assets | 81.9434% | 5,113 |
| Equity capital to assets | 14.0818% | 1,131 |
| Core capital (leverage) ratio | 13.5029% | 1,044 |
| Tier 1 risk-based capital ratio | 26.7027% | 757 |
| Total risk-based capital ratio | 27.3684% | 798 |
| Memoranda: | ||
| Average total assets | $154,740,000 | 3,747 |
| Average earning assets | $137,755,500 | 3,805 |
| Average equity | $21,619,000 | 2,927 |
| Average total loans | $79,377,250 | 4,194 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 7,082 |
| Cost of funding earning assets | 0.6189% | 6,367 |
| Net interest margin | 3.0040% | 6,599 |
| Noninterest income to average assets | 0.4481% | 4,298 |
| Noninterest expense to average assets | 2.4644% | 5,652 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4766% | 4,609 |
| Return on assets (ROA) | 0.4766% | 4,752 |
| Pretax return on assets | 0.6553% | 4,555 |
| Return on Equity (ROE) | 3.4201% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.4201% | 4,082 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9954% | 2,557 |
| Assets per employee ($millions) | 5.0618% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 7,069 |
| Loan loss allowance to noncurrent loans | 140.5405% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 6,519 |
| Noncurrent loans to loans | 0.4702% | 5,963 |
| Net loans and leases to total assets | 51.4800% | 5,631 |
| Net loans and leases to deposits | 63.1100% | 5,382 |
| Net loans and leases to core deposits | 68.9946% | 5,189 |
| Total domestic deposits to total assets | 81.5719% | 5,327 |
| Equity capital to assets | 14.3894% | 974 |
| Core capital (leverage) ratio | 13.7633% | 930 |
| Tier 1 risk-based capital ratio | 26.5975% | 751 |
| Total risk-based capital ratio | 27.2631% | 795 |
| Memoranda: | ||
| Average total assets | $154,442,330 | 3,773 |
| Average earning assets | $137,350,330 | 3,830 |
| Average equity | $21,520,000 | 2,922 |
| Average total loans | $79,375,670 | 4,240 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 7,129 |
| Cost of funding earning assets | 0.6340% | 6,459 |
| Net interest margin | 2.9797% | 6,610 |
| Noninterest income to average assets | 0.4443% | 4,332 |
| Noninterest expense to average assets | 2.4786% | 5,632 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4546% | 4,693 |
| Return on assets (ROA) | 0.4546% | 4,781 |
| Pretax return on assets | 0.6216% | 4,599 |
| Return on Equity (ROE) | 3.3155% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.3155% | 4,194 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9503% | 2,545 |
| Assets per employee ($millions) | 5.2031% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 7,135 |
| Loan loss allowance to noncurrent loans | 190.4762% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 6,720 |
| Noncurrent loans to loans | 0.3438% | 6,308 |
| Net loans and leases to total assets | 50.5404% | 5,777 |
| Net loans and leases to deposits | 61.9231% | 5,507 |
| Net loans and leases to core deposits | 67.8805% | 5,301 |
| Total domestic deposits to total assets | 81.6180% | 5,451 |
| Equity capital to assets | 13.7424% | 1,085 |
| Core capital (leverage) ratio | 13.5176% | 963 |
| Tier 1 risk-based capital ratio | 25.9647% | 790 |
| Total risk-based capital ratio | 26.6257% | 822 |
| Memoranda: | ||
| Average total assets | $155,736,000 | 3,780 |
| Average earning assets | $138,805,000 | 3,844 |
| Average equity | $21,354,500 | 2,936 |
| Average total loans | $79,716,000 | 4,261 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 7,116 |
| Cost of funding earning assets | 0.9289% | 6,036 |
| Net interest margin | 3.0937% | 6,535 |
| Noninterest income to average assets | 0.5927% | 3,525 |
| Noninterest expense to average assets | 2.6844% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4838% | 4,178 |
| Return on assets (ROA) | 0.4838% | 4,330 |
| Pretax return on assets | 0.6618% | 4,122 |
| Return on Equity (ROE) | 3.5550% | 4,721 |
| Retained earnings to average equity (ytd only) | 3.5550% | 3,371 |
| Net charge-offs to loans | 0.0364% | 6,438 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 669 |
| Efficiency ratio | 80.2221% | 2,384 |
| Assets per employee ($millions) | 5.1793% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 7,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 51.1665% | 6,028 |
| Net loans and leases to deposits | 63.1931% | 5,720 |
| Net loans and leases to core deposits | 68.8472% | 5,571 |
| Total domestic deposits to total assets | 80.9685% | 5,534 |
| Equity capital to assets | 13.6814% | 1,133 |
| Core capital (leverage) ratio | 13.1713% | 1,070 |
| Tier 1 risk-based capital ratio | 25.6747% | 790 |
| Total risk-based capital ratio | 26.3314% | 818 |
| Memoranda: | ||
| Average total assets | $153,370,400 | 3,818 |
| Average earning assets | $136,504,000 | 3,887 |
| Average equity | $20,872,200 | 3,027 |
| Average total loans | $82,455,000 | 4,263 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 7,218 |
| Cost of funding earning assets | 0.9649% | 6,109 |
| Net interest margin | 3.1150% | 6,578 |
| Noninterest income to average assets | 0.5460% | 3,821 |
| Noninterest expense to average assets | 2.7273% | 4,766 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4361% | 4,601 |
| Return on assets (ROA) | 0.4361% | 4,780 |
| Pretax return on assets | 0.5922% | 4,624 |
| Return on Equity (ROE) | 3.2088% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.2088% | 4,181 |
| Net charge-offs to loans | 0.0482% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 22.6328% | 1,086 |
| Efficiency ratio | 82.1597% | 2,044 |
| Assets per employee ($millions) | 4.9483% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 7,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 52.0587% | 6,094 |
| Net loans and leases to deposits | 65.0656% | 5,781 |
| Net loans and leases to core deposits | 70.8907% | 5,657 |
| Total domestic deposits to total assets | 80.0095% | 5,711 |
| Equity capital to assets | 13.8698% | 1,207 |
| Core capital (leverage) ratio | 13.2293% | 1,137 |
| Tier 1 risk-based capital ratio | 25.4898% | 821 |
| Total risk-based capital ratio | 26.1496% | 853 |
| Memoranda: | ||
| Average total assets | $152,868,250 | 3,882 |
| Average earning assets | $136,111,250 | 3,943 |
| Average equity | $20,775,750 | 3,075 |
| Average total loans | $83,063,250 | 4,317 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 7,245 |
| Cost of funding earning assets | 0.9729% | 6,274 |
| Net interest margin | 3.1673% | 6,414 |
| Noninterest income to average assets | 0.4139% | 4,799 |
| Noninterest expense to average assets | 2.7899% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3563% | 4,944 |
| Return on assets (ROA) | 0.3563% | 5,105 |
| Pretax return on assets | 0.4427% | 5,085 |
| Return on Equity (ROE) | 2.6396% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.6396% | 4,460 |
| Net charge-offs to loans | 0.0715% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.2667% | 1,782 |
| Efficiency ratio | 86.3047% | 1,675 |
| Assets per employee ($millions) | 4.9726% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 7,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 53.8936% | 6,000 |
| Net loans and leases to deposits | 68.1850% | 5,542 |
| Net loans and leases to core deposits | 74.1556% | 5,427 |
| Total domestic deposits to total assets | 79.0402% | 6,028 |
| Equity capital to assets | 13.5762% | 1,316 |
| Core capital (leverage) ratio | 13.1873% | 1,144 |
| Tier 1 risk-based capital ratio | 24.7600% | 864 |
| Total risk-based capital ratio | 25.4083% | 908 |
| Memoranda: | ||
| Average total assets | $152,691,670 | 3,908 |
| Average earning assets | $135,887,670 | 3,976 |
| Average equity | $20,609,000 | 3,094 |
| Average total loans | $83,958,670 | 4,325 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 7,273 |
| Cost of funding earning assets | 0.9639% | 6,529 |
| Net interest margin | 3.2288% | 6,202 |
| Noninterest income to average assets | 0.4317% | 4,652 |
| Noninterest expense to average assets | 2.5401% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5475% | 4,147 |
| Return on assets (ROA) | 0.5475% | 4,280 |
| Pretax return on assets | 0.7660% | 4,004 |
| Return on Equity (ROE) | 4.0686% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.0686% | 3,711 |
| Net charge-offs to loans | 0.1426% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 9.7000% | 1,818 |
| Efficiency ratio | 76.8312% | 3,089 |
| Assets per employee ($millions) | 5.0356% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6273% | 7,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 54.5314% | 5,955 |
| Net loans and leases to deposits | 69.4162% | 5,420 |
| Net loans and leases to core deposits | 75.5092% | 5,327 |
| Total domestic deposits to total assets | 78.5572% | 6,187 |
| Equity capital to assets | 13.6635% | 1,261 |
| Core capital (leverage) ratio | 13.7239% | 1,022 |
| Tier 1 risk-based capital ratio | 25.7992% | 791 |
| Total risk-based capital ratio | 26.4494% | 819 |
| Memoranda: | ||
| Average total assets | $151,961,500 | 3,980 |
| Average earning assets | $135,282,000 | 4,050 |
| Average equity | $20,449,500 | 3,139 |
| Average total loans | $84,139,000 | 4,381 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 7,416 |
| Cost of funding earning assets | 1.4536% | 5,705 |
| Net interest margin | 3.0060% | 6,631 |
| Noninterest income to average assets | 0.4790% | 4,577 |
| Noninterest expense to average assets | 2.3699% | 6,552 |
| Loan and lease loss provision to assets | 0.0252% | 7,261 |
| Net operating income to assets | 0.6600% | 3,099 |
| Return on assets (ROA) | 0.4525% | 4,041 |
| Pretax return on assets | 0.5326% | 4,101 |
| Return on Equity (ROE) | 3.5578% | 4,266 |
| Retained earnings to average equity (ytd only) | 3.5578% | 2,688 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7201% | 3,757 |
| Assets per employee ($millions) | 5.6613% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 7,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.4960% | 6,023 |
| Net loans and leases to deposits | 70.1611% | 5,586 |
| Net loans and leases to core deposits | 89.4057% | 5,190 |
| Total domestic deposits to total assets | 79.0980% | 5,948 |
| Equity capital to assets | 13.2530% | 1,411 |
| Core capital (leverage) ratio | 13.2852% | 1,162 |
| Tier 1 risk-based capital ratio | 25.3333% | 815 |
| Total risk-based capital ratio | 26.0154% | 846 |
| Memoranda: | ||
| Average total assets | $154,900,600 | 3,882 |
| Average earning assets | $138,756,600 | 3,930 |
| Average equity | $19,703,000 | 3,247 |
| Average total loans | $89,707,400 | 4,219 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 7,464 |
| Cost of funding earning assets | 1.5747% | 5,519 |
| Net interest margin | 2.9675% | 6,695 |
| Noninterest income to average assets | 0.5147% | 4,368 |
| Noninterest expense to average assets | 2.3884% | 6,452 |
| Loan and lease loss provision to assets | 0.0335% | 7,025 |
| Net operating income to assets | 0.7139% | 3,159 |
| Return on assets (ROA) | 0.4058% | 4,479 |
| Pretax return on assets | 0.4281% | 4,720 |
| Return on Equity (ROE) | 3.2235% | 4,692 |
| Retained earnings to average equity (ytd only) | 3.2235% | 3,516 |
| Net charge-offs to loans | -0.0015% | 7,583 |
| Credit loss provision to net charge-offs | -3,900.0000% | 7,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2432% | 3,646 |
| Assets per employee ($millions) | 5.6931% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6520% | 7,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.6193% | 6,314 |
| Net loans and leases to deposits | 68.7468% | 6,059 |
| Net loans and leases to core deposits | 88.4857% | 5,598 |
| Total domestic deposits to total assets | 79.4500% | 5,644 |
| Equity capital to assets | 13.0022% | 1,695 |
| Core capital (leverage) ratio | 12.5625% | 1,555 |
| Tier 1 risk-based capital ratio | 24.8111% | 919 |
| Total risk-based capital ratio | 25.5203% | 952 |
| Memoranda: | ||
| Average total assets | $155,411,750 | 3,887 |
| Average earning assets | $139,285,250 | 3,942 |
| Average equity | $19,564,250 | 3,307 |
| Average total loans | $90,789,500 | 4,225 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 7,391 |
| Cost of funding earning assets | 1.7118% | 5,214 |
| Net interest margin | 2.9881% | 6,586 |
| Noninterest income to average assets | 0.5744% | 3,874 |
| Noninterest expense to average assets | 2.4850% | 6,168 |
| Loan and lease loss provision to assets | 0.0500% | 6,730 |
| Net operating income to assets | 0.8335% | 2,728 |
| Return on assets (ROA) | 0.8347% | 2,810 |
| Pretax return on assets | 0.7155% | 3,948 |
| Return on Equity (ROE) | 6.7032% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.7032% | 1,693 |
| Net charge-offs to loans | -0.0022% | 7,481 |
| Credit loss provision to net charge-offs | -3,900.0000% | 7,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4799% | 3,600 |
| Assets per employee ($millions) | 5.6417% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 7,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 54.1575% | 6,428 |
| Net loans and leases to deposits | 67.6999% | 6,227 |
| Net loans and leases to core deposits | 85.1076% | 6,000 |
| Total domestic deposits to total assets | 79.9965% | 5,482 |
| Equity capital to assets | 12.6197% | 1,867 |
| Core capital (leverage) ratio | 13.0169% | 1,425 |
| Tier 1 risk-based capital ratio | 25.6018% | 889 |
| Total risk-based capital ratio | 26.3117% | 916 |
| Memoranda: | ||
| Average total assets | $155,978,000 | 3,901 |
| Average earning assets | $139,621,330 | 3,954 |
| Average equity | $19,423,670 | 3,335 |
| Average total loans | $92,883,330 | 4,205 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 7,217 |
| Cost of funding earning assets | 1.9053% | 4,602 |
| Net interest margin | 2.9747% | 6,546 |
| Noninterest income to average assets | 0.5162% | 4,171 |
| Noninterest expense to average assets | 2.3022% | 6,533 |
| Loan and lease loss provision to assets | 0.0774% | 5,988 |
| Net operating income to assets | 0.6211% | 3,933 |
| Return on assets (ROA) | 0.6272% | 4,083 |
| Pretax return on assets | 0.8078% | 4,053 |
| Return on Equity (ROE) | 5.0710% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.0710% | 3,079 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4026% | 4,121 |
| Assets per employee ($millions) | 5.5869% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 7,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 59.4704% | 5,742 |
| Net loans and leases to deposits | 74.2284% | 5,452 |
| Net loans and leases to core deposits | 93.0553% | 5,252 |
| Total domestic deposits to total assets | 80.1181% | 5,324 |
| Equity capital to assets | 12.4679% | 1,993 |
| Core capital (leverage) ratio | 12.8301% | 1,545 |
| Tier 1 risk-based capital ratio | 24.5492% | 1,018 |
| Total risk-based capital ratio | 25.2155% | 1,059 |
| Memoranda: | ||
| Average total assets | $154,983,500 | 3,929 |
| Average earning assets | $138,770,000 | 3,978 |
| Average equity | $19,168,000 | 3,392 |
| Average total loans | $96,274,000 | 4,137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4927% | 7,319 |
| Cost of funding earning assets | 2.2775% | 5,255 |
| Net interest margin | 3.2152% | 6,323 |
| Noninterest income to average assets | 0.3882% | 5,577 |
| Noninterest expense to average assets | 2.3697% | 6,502 |
| Loan and lease loss provision to assets | 0.0348% | 6,971 |
| Net operating income to assets | 0.5766% | 4,410 |
| Return on assets (ROA) | -1.2466% | 7,307 |
| Pretax return on assets | -1.8784% | 7,401 |
| Return on Equity (ROE) | -9.3600% | 7,227 |
| Retained earnings to average equity (ytd only) | -9.3600% | 7,009 |
| Net charge-offs to loans | 0.0245% | 6,499 |
| Credit loss provision to net charge-offs | 220.8333% | 2,168 |
| Earnings coverage of net charge-offs (x) | 58.2917% | 685 |
| Efficiency ratio | 72.0591% | 3,922 |
| Assets per employee ($millions) | 5.2942% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5163% | 7,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.1321% | 5,245 |
| Net loans and leases to deposits | 80.0872% | 5,033 |
| Net loans and leases to core deposits | 100.0803% | 4,819 |
| Total domestic deposits to total assets | 80.0779% | 4,987 |
| Equity capital to assets | 12.2658% | 2,130 |
| Core capital (leverage) ratio | 12.9559% | 1,557 |
| Tier 1 risk-based capital ratio | 23.8461% | 1,105 |
| Total risk-based capital ratio | 24.4648% | 1,141 |
| Memoranda: | ||
| Average total assets | $152,255,600 | 3,862 |
| Average earning assets | $137,346,000 | 3,905 |
| Average equity | $20,277,800 | 3,182 |
| Average total loans | $97,865,200 | 4,010 |