Home > The Oneida Savings Bank > Performance and Condition Ratios
The Oneida Savings Bank, Performance and Condition Ratios
| 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 | 3.1046% | 5,705 |
| Cost of funding earning assets | 0.3157% | 4,158 |
| Net interest margin | 2.7889% | 5,603 |
| Noninterest income to average assets | 3.8785% | 162 |
| Noninterest expense to average assets | 5.5377% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5440% | 4,615 |
| Return on assets (ROA) | 0.5585% | 4,652 |
| Pretax return on assets | 0.8033% | 4,332 |
| Return on Equity (ROE) | 4.8759% | 4,684 |
| Retained earnings to average equity (ytd only) | 2.0913% | 4,836 |
| Net charge-offs to loans | 0.0206% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 81.7480% | 733 |
| Efficiency ratio | 87.1660% | 922 |
| Assets per employee ($millions) | 2.3847% | 6,017 |
| Cash dividends to net income (ytd only)* | 57.1102% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 5,329 |
| Loan loss allowance to noncurrent loans | 1,039.8792% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 5,621 |
| Noncurrent loans to loans | 0.0826% | 5,298 |
| Net loans and leases to total assets | 48.6978% | 5,033 |
| Net loans and leases to deposits | 55.9900% | 5,124 |
| Net loans and leases to core deposits | 58.2684% | 5,172 |
| Total domestic deposits to total assets | 86.9757% | 2,054 |
| Equity capital to assets | 11.8711% | 2,197 |
| Core capital (leverage) ratio | 9.3738% | 4,477 |
| Tier 1 risk-based capital ratio | 16.2107% | 2,705 |
| Total risk-based capital ratio | 16.9574% | 2,882 |
| Memoranda: | ||
| Average total assets | $836,043,250 | 836 |
| Average earning assets | $731,891,250 | 872 |
| Average equity | $95,760,250 | 804 |
| Average total loans | $387,530,750 | 1,189 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0849% | 5,758 |
| Cost of funding earning assets | 0.3227% | 4,124 |
| Net interest margin | 2.7623% | 5,685 |
| Noninterest income to average assets | 3.9313% | 162 |
| Noninterest expense to average assets | 5.5427% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5786% | 4,430 |
| Return on assets (ROA) | 0.6155% | 4,387 |
| Pretax return on assets | 0.8661% | 4,080 |
| Return on Equity (ROE) | 5.4377% | 4,407 |
| Retained earnings to average equity (ytd only) | 1.2452% | 5,058 |
| Net charge-offs to loans | 0.0224% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 79.7674% | 705 |
| Efficiency ratio | 86.7371% | 998 |
| Assets per employee ($millions) | 2.3993% | 6,083 |
| Cash dividends to net income (ytd only)* | 77.1010% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 5,384 |
| Loan loss allowance to noncurrent loans | 942.5068% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 5,673 |
| Noncurrent loans to loans | 0.0930% | 5,371 |
| Net loans and leases to total assets | 46.0545% | 5,240 |
| Net loans and leases to deposits | 52.5447% | 5,347 |
| Net loans and leases to core deposits | 54.7403% | 5,382 |
| Total domestic deposits to total assets | 87.6483% | 1,818 |
| Equity capital to assets | 11.1493% | 2,720 |
| Core capital (leverage) ratio | 8.6602% | 5,358 |
| Tier 1 risk-based capital ratio | 15.1525% | 3,276 |
| Total risk-based capital ratio | 15.8693% | 3,496 |
| Memoranda: | ||
| Average total assets | $842,872,670 | 832 |
| Average earning assets | $740,045,330 | 869 |
| Average equity | $95,408,670 | 812 |
| Average total loans | $383,174,670 | 1,204 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 5,753 |
| Cost of funding earning assets | 0.3244% | 4,169 |
| Net interest margin | 2.8019% | 5,633 |
| Noninterest income to average assets | 4.1261% | 155 |
| Noninterest expense to average assets | 5.3433% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9261% | 2,627 |
| Return on assets (ROA) | 0.9747% | 2,503 |
| Pretax return on assets | 1.3139% | 2,223 |
| Return on Equity (ROE) | 8.5460% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.5460% | 1,361 |
| Net charge-offs to loans | 0.0053% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 523.6000% | 103 |
| Efficiency ratio | 80.6058% | 1,814 |
| Assets per employee ($millions) | 2.4415% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 5,406 |
| Loan loss allowance to noncurrent loans | 955.4645% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 5,672 |
| Noncurrent loans to loans | 0.0954% | 5,411 |
| Net loans and leases to total assets | 43.1121% | 5,418 |
| Net loans and leases to deposits | 49.1648% | 5,506 |
| Net loans and leases to core deposits | 51.4952% | 5,520 |
| Total domestic deposits to total assets | 87.6890% | 1,992 |
| Equity capital to assets | 11.0209% | 2,943 |
| Core capital (leverage) ratio | 9.3195% | 4,539 |
| Tier 1 risk-based capital ratio | 15.2012% | 3,320 |
| Total risk-based capital ratio | 15.9152% | 3,546 |
| Memoranda: | ||
| Average total assets | $839,626,500 | 837 |
| Average earning assets | $738,510,000 | 867 |
| Average equity | $95,764,000 | 808 |
| Average total loans | $377,447,000 | 1,221 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 5,617 |
| Cost of funding earning assets | 0.3919% | 3,768 |
| Net interest margin | 2.9625% | 5,527 |
| Noninterest income to average assets | 3.9314% | 149 |
| Noninterest expense to average assets | 5.8364% | 201 |
| Loan and lease loss provision to assets | 0.0643% | 3,224 |
| Net operating income to assets | 0.4536% | 5,002 |
| Return on assets (ROA) | 0.6955% | 4,033 |
| Pretax return on assets | 0.9060% | 3,881 |
| Return on Equity (ROE) | 5.9690% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.9690% | 1,948 |
| Net charge-offs to loans | 0.0307% | 4,212 |
| Credit loss provision to net charge-offs | 462.9630% | 569 |
| Earnings coverage of net charge-offs (x) | 47.2500% | 972 |
| Efficiency ratio | 89.3156% | 888 |
| Assets per employee ($millions) | 2.2602% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 5,317 |
| Loan loss allowance to noncurrent loans | 1,144.4444% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 5,751 |
| Noncurrent loans to loans | 0.0824% | 5,557 |
| Net loans and leases to total assets | 46.1118% | 5,317 |
| Net loans and leases to deposits | 53.2045% | 5,393 |
| Net loans and leases to core deposits | 55.9484% | 5,389 |
| Total domestic deposits to total assets | 86.6690% | 2,474 |
| Equity capital to assets | 11.8304% | 2,148 |
| Core capital (leverage) ratio | 9.3571% | 4,457 |
| Tier 1 risk-based capital ratio | 15.7697% | 3,086 |
| Total risk-based capital ratio | 16.5382% | 3,272 |
| Memoranda: | ||
| Average total assets | $778,047,800 | 872 |
| Average earning assets | $672,584,400 | 916 |
| Average equity | $90,651,200 | 810 |
| Average total loans | $351,861,000 | 1,253 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3646% | 5,646 |
| Cost of funding earning assets | 0.3990% | 3,794 |
| Net interest margin | 2.9656% | 5,570 |
| Noninterest income to average assets | 3.9632% | 148 |
| Noninterest expense to average assets | 5.6283% | 219 |
| Loan and lease loss provision to assets | 0.0811% | 2,729 |
| Net operating income to assets | 0.6062% | 4,417 |
| Return on assets (ROA) | 0.8753% | 3,140 |
| Pretax return on assets | 1.1762% | 2,881 |
| Return on Equity (ROE) | 7.5421% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.5421% | 1,562 |
| Net charge-offs to loans | 0.0342% | 3,800 |
| Credit loss provision to net charge-offs | 528.0899% | 542 |
| Earnings coverage of net charge-offs (x) | 58.2040% | 882 |
| Efficiency ratio | 85.7147% | 1,209 |
| Assets per employee ($millions) | 2.1671% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 5,339 |
| Loan loss allowance to noncurrent loans | 575.1236% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 5,719 |
| Noncurrent loans to loans | 0.1690% | 5,405 |
| Net loans and leases to total assets | 45.2260% | 5,434 |
| Net loans and leases to deposits | 52.1482% | 5,522 |
| Net loans and leases to core deposits | 54.4426% | 5,538 |
| Total domestic deposits to total assets | 86.7259% | 2,460 |
| Equity capital to assets | 11.7752% | 2,244 |
| Core capital (leverage) ratio | 9.5725% | 4,277 |
| Tier 1 risk-based capital ratio | 16.1088% | 3,012 |
| Total risk-based capital ratio | 16.8972% | 3,174 |
| Memoranda: | ||
| Average total assets | $773,092,750 | 879 |
| Average earning assets | $666,969,000 | 928 |
| Average equity | $89,716,250 | 818 |
| Average total loans | $346,973,000 | 1,272 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3638% | 5,689 |
| Cost of funding earning assets | 0.4043% | 3,827 |
| Net interest margin | 2.9595% | 5,609 |
| Noninterest income to average assets | 4.4251% | 133 |
| Noninterest expense to average assets | 5.6853% | 209 |
| Loan and lease loss provision to assets | 0.0520% | 3,262 |
| Net operating income to assets | 0.9019% | 2,789 |
| Return on assets (ROA) | 0.9149% | 2,833 |
| Pretax return on assets | 1.2582% | 2,419 |
| Return on Equity (ROE) | 7.9238% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.9238% | 1,350 |
| Net charge-offs to loans | 0.0216% | 3,777 |
| Credit loss provision to net charge-offs | 540.5405% | 555 |
| Earnings coverage of net charge-offs (x) | 134.1892% | 450 |
| Efficiency ratio | 80.9234% | 1,890 |
| Assets per employee ($millions) | 2.1316% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 5,594 |
| Loan loss allowance to noncurrent loans | 625.8126% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 5,919 |
| Noncurrent loans to loans | 0.1505% | 5,559 |
| Net loans and leases to total assets | 44.2332% | 5,521 |
| Net loans and leases to deposits | 50.8844% | 5,569 |
| Net loans and leases to core deposits | 53.1011% | 5,606 |
| Total domestic deposits to total assets | 86.9289% | 2,488 |
| Equity capital to assets | 11.7655% | 2,193 |
| Core capital (leverage) ratio | 9.1031% | 4,868 |
| Tier 1 risk-based capital ratio | 16.0586% | 3,061 |
| Total risk-based capital ratio | 16.8158% | 3,275 |
| Memoranda: | ||
| Average total assets | $768,573,000 | 881 |
| Average earning assets | $662,821,330 | 937 |
| Average equity | $88,745,000 | 823 |
| Average total loans | $342,876,670 | 1,281 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3112% | 5,818 |
| Cost of funding earning assets | 0.3975% | 4,000 |
| Net interest margin | 2.9137% | 5,722 |
| Noninterest income to average assets | 4.6046% | 129 |
| Noninterest expense to average assets | 5.6295% | 222 |
| Loan and lease loss provision to assets | 0.0524% | 3,055 |
| Net operating income to assets | 1.0366% | 2,060 |
| Return on assets (ROA) | 1.0526% | 2,065 |
| Pretax return on assets | 1.4516% | 1,582 |
| Return on Equity (ROE) | 9.2047% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.2047% | 1,194 |
| Net charge-offs to loans | 0.0223% | 3,130 |
| Credit loss provision to net charge-offs | 526.3158% | 521 |
| Earnings coverage of net charge-offs (x) | 148.8947% | 330 |
| Efficiency ratio | 78.5919% | 2,392 |
| Assets per employee ($millions) | 2.2307% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 5,768 |
| Loan loss allowance to noncurrent loans | 643.3468% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 6,019 |
| Noncurrent loans to loans | 0.1449% | 5,660 |
| Net loans and leases to total assets | 43.1896% | 5,579 |
| Net loans and leases to deposits | 49.5225% | 5,627 |
| Net loans and leases to core deposits | 51.4991% | 5,648 |
| Total domestic deposits to total assets | 87.2121% | 2,694 |
| Equity capital to assets | 11.3353% | 2,389 |
| Core capital (leverage) ratio | 9.2230% | 4,687 |
| Tier 1 risk-based capital ratio | 15.4353% | 3,475 |
| Total risk-based capital ratio | 16.1638% | 3,712 |
| Memoranda: | ||
| Average total assets | $763,837,500 | 891 |
| Average earning assets | $657,040,500 | 946 |
| Average equity | $87,347,000 | 837 |
| Average total loans | $340,601,500 | 1,286 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 5,231 |
| Cost of funding earning assets | 0.4278% | 4,345 |
| Net interest margin | 3.2377% | 4,868 |
| Noninterest income to average assets | 4.3342% | 155 |
| Noninterest expense to average assets | 5.8431% | 216 |
| Loan and lease loss provision to assets | 0.0703% | 3,717 |
| Net operating income to assets | 0.8453% | 3,065 |
| Return on assets (ROA) | 0.9000% | 2,867 |
| Pretax return on assets | 1.2733% | 2,255 |
| Return on Equity (ROE) | 7.3146% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.5424% | 3,700 |
| Net charge-offs to loans | 0.0506% | 4,512 |
| Credit loss provision to net charge-offs | 301.2048% | 757 |
| Earnings coverage of net charge-offs (x) | 54.2289% | 751 |
| Efficiency ratio | 81.2959% | 1,979 |
| Assets per employee ($millions) | 2.0973% | 6,607 |
| Cash dividends to net income (ytd only)* | 51.5706% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 5,867 |
| Loan loss allowance to noncurrent loans | 587.9017% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 6,104 |
| Noncurrent loans to loans | 0.1561% | 5,726 |
| Net loans and leases to total assets | 45.2241% | 5,559 |
| Net loans and leases to deposits | 52.2155% | 5,604 |
| Net loans and leases to core deposits | 54.2966% | 5,653 |
| Total domestic deposits to total assets | 86.6103% | 2,933 |
| Equity capital to assets | 11.5411% | 2,135 |
| Core capital (leverage) ratio | 9.0026% | 5,003 |
| Tier 1 risk-based capital ratio | 15.2470% | 3,522 |
| Total risk-based capital ratio | 15.9747% | 3,763 |
| Memoranda: | ||
| Average total assets | $710,970,000 | 931 |
| Average earning assets | $609,384,000 | 1,008 |
| Average equity | $87,482,400 | 805 |
| Average total loans | $327,850,600 | 1,300 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 5,224 |
| Cost of funding earning assets | 0.4284% | 4,518 |
| Net interest margin | 3.2504% | 4,824 |
| Noninterest income to average assets | 4.2830% | 162 |
| Noninterest expense to average assets | 5.8723% | 215 |
| Loan and lease loss provision to assets | 0.0721% | 3,623 |
| Net operating income to assets | 0.8246% | 3,228 |
| Return on assets (ROA) | 0.8985% | 2,962 |
| Pretax return on assets | 1.2275% | 2,589 |
| Return on Equity (ROE) | 7.1842% | 3,545 |
| Retained earnings to average equity (ytd only) | 7.1842% | 1,795 |
| Net charge-offs to loans | 0.0353% | 4,433 |
| Credit loss provision to net charge-offs | 441.8605% | 598 |
| Earnings coverage of net charge-offs (x) | 73.4560% | 641 |
| Efficiency ratio | 82.1157% | 1,811 |
| Assets per employee ($millions) | 2.0676% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 6,031 |
| Loan loss allowance to noncurrent loans | 370.3257% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 5,581 |
| Noncurrent loans to loans | 0.2457% | 5,617 |
| Net loans and leases to total assets | 46.8618% | 5,459 |
| Net loans and leases to deposits | 54.5639% | 5,489 |
| Net loans and leases to core deposits | 56.8419% | 5,548 |
| Total domestic deposits to total assets | 85.8843% | 3,328 |
| Equity capital to assets | 12.1951% | 1,786 |
| Core capital (leverage) ratio | 9.8779% | 3,851 |
| Tier 1 risk-based capital ratio | 15.5813% | 3,423 |
| Total risk-based capital ratio | 16.3006% | 3,675 |
| Memoranda: | ||
| Average total assets | $703,097,250 | 949 |
| Average earning assets | $602,899,250 | 1,025 |
| Average equity | $87,931,000 | 806 |
| Average total loans | $325,093,000 | 1,312 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 5,242 |
| Cost of funding earning assets | 0.4322% | 4,639 |
| Net interest margin | 3.2364% | 4,818 |
| Noninterest income to average assets | 4.4094% | 169 |
| Noninterest expense to average assets | 5.8057% | 224 |
| Loan and lease loss provision to assets | 0.0572% | 3,860 |
| Net operating income to assets | 0.9771% | 2,431 |
| Return on assets (ROA) | 1.0327% | 2,307 |
| Pretax return on assets | 1.4046% | 1,914 |
| Return on Equity (ROE) | 8.1886% | 2,997 |
| Retained earnings to average equity (ytd only) | 8.1886% | 1,404 |
| Net charge-offs to loans | 0.0212% | 4,415 |
| Credit loss provision to net charge-offs | 588.2353% | 491 |
| Earnings coverage of net charge-offs (x) | 142.6471% | 347 |
| Efficiency ratio | 79.7862% | 2,190 |
| Assets per employee ($millions) | 2.0007% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 6,135 |
| Loan loss allowance to noncurrent loans | 383.5724% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 5,680 |
| Noncurrent loans to loans | 0.2340% | 5,722 |
| Net loans and leases to total assets | 46.5122% | 5,477 |
| Net loans and leases to deposits | 54.3437% | 5,498 |
| Net loans and leases to core deposits | 56.7480% | 5,545 |
| Total domestic deposits to total assets | 85.5890% | 3,587 |
| Equity capital to assets | 12.5541% | 1,544 |
| Core capital (leverage) ratio | 9.5619% | 4,142 |
| Tier 1 risk-based capital ratio | 15.1495% | 3,680 |
| Total risk-based capital ratio | 15.8348% | 4,009 |
| Memoranda: | ||
| Average total assets | $699,692,330 | 951 |
| Average earning assets | $601,586,330 | 1,027 |
| Average equity | $88,245,000 | 806 |
| Average total loans | $321,010,330 | 1,321 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 5,340 |
| Cost of funding earning assets | 0.4266% | 4,846 |
| Net interest margin | 3.2132% | 4,882 |
| Noninterest income to average assets | 4.5453% | 165 |
| Noninterest expense to average assets | 5.7035% | 238 |
| Loan and lease loss provision to assets | 0.0571% | 3,682 |
| Net operating income to assets | 1.1439% | 1,705 |
| Return on assets (ROA) | 1.1439% | 1,817 |
| Pretax return on assets | 1.5471% | 1,433 |
| Return on Equity (ROE) | 9.0492% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.0492% | 1,366 |
| Net charge-offs to loans | 0.0189% | 3,781 |
| Credit loss provision to net charge-offs | 666.6667% | 415 |
| Earnings coverage of net charge-offs (x) | 187.2000% | 215 |
| Efficiency ratio | 77.1161% | 2,736 |
| Assets per employee ($millions) | 2.1479% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 6,277 |
| Loan loss allowance to noncurrent loans | 419.5015% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 5,658 |
| Noncurrent loans to loans | 0.2126% | 5,878 |
| Net loans and leases to total assets | 44.1838% | 5,641 |
| Net loans and leases to deposits | 51.8146% | 5,637 |
| Net loans and leases to core deposits | 53.9826% | 5,666 |
| Total domestic deposits to total assets | 85.2729% | 3,915 |
| Equity capital to assets | 12.4259% | 1,756 |
| Core capital (leverage) ratio | 9.5924% | 3,941 |
| Tier 1 risk-based capital ratio | 14.7732% | 3,983 |
| Total risk-based capital ratio | 15.4435% | 4,333 |
| Memoranda: | ||
| Average total assets | $700,413,000 | 956 |
| Average earning assets | $602,016,000 | 1,038 |
| Average equity | $88,538,000 | 809 |
| Average total loans | $317,658,500 | 1,337 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 5,576 |
| Cost of funding earning assets | 0.5462% | 4,849 |
| Net interest margin | 3.3534% | 5,058 |
| Noninterest income to average assets | 3.6863% | 200 |
| Noninterest expense to average assets | 5.3450% | 300 |
| Loan and lease loss provision to assets | 0.1089% | 4,270 |
| Net operating income to assets | 0.7999% | 3,287 |
| Return on assets (ROA) | 0.8845% | 3,136 |
| Pretax return on assets | 1.2159% | 2,742 |
| Return on Equity (ROE) | 6.9412% | 3,677 |
| Retained earnings to average equity (ytd only) | 1.1684% | 5,285 |
| Net charge-offs to loans | 0.2890% | 3,213 |
| Credit loss provision to net charge-offs | 85.7474% | 3,638 |
| Earnings coverage of net charge-offs (x) | 9.5180% | 2,261 |
| Efficiency ratio | 80.7983% | 2,038 |
| Assets per employee ($millions) | 2.0963% | 6,877 |
| Cash dividends to net income (ytd only)* | 83.1670% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 6,305 |
| Loan loss allowance to noncurrent loans | 382.3691% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 5,706 |
| Noncurrent loans to loans | 0.2308% | 5,902 |
| Net loans and leases to total assets | 45.7604% | 5,641 |
| Net loans and leases to deposits | 54.2212% | 5,631 |
| Net loans and leases to core deposits | 56.5252% | 5,674 |
| Total domestic deposits to total assets | 84.3958% | 4,132 |
| Equity capital to assets | 12.8678% | 1,506 |
| Core capital (leverage) ratio | 9.3229% | 4,373 |
| Tier 1 risk-based capital ratio | 14.4855% | 4,042 |
| Total risk-based capital ratio | 15.1475% | 4,418 |
| Memoranda: | ||
| Average total assets | $679,679,600 | 962 |
| Average earning assets | $581,144,000 | 1,043 |
| Average equity | $86,613,200 | 797 |
| Average total loans | $298,630,600 | 1,404 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 5,728 |
| Cost of funding earning assets | 0.5573% | 5,023 |
| Net interest margin | 3.3650% | 5,161 |
| Noninterest income to average assets | 3.4974% | 205 |
| Noninterest expense to average assets | 5.2610% | 309 |
| Loan and lease loss provision to assets | 0.0942% | 4,409 |
| Net operating income to assets | 0.7521% | 3,686 |
| Return on assets (ROA) | 0.8138% | 3,622 |
| Pretax return on assets | 1.1072% | 3,326 |
| Return on Equity (ROE) | 6.4017% | 4,116 |
| Retained earnings to average equity (ytd only) | 6.4017% | 2,429 |
| Net charge-offs to loans | 0.3344% | 2,786 |
| Credit loss provision to net charge-offs | 64.9526% | 4,027 |
| Earnings coverage of net charge-offs (x) | 7.7036% | 2,567 |
| Efficiency ratio | 81.6931% | 1,843 |
| Assets per employee ($millions) | 2.0942% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 6,463 |
| Loan loss allowance to noncurrent loans | 352.9412% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 6,034 |
| Noncurrent loans to loans | 0.2462% | 5,995 |
| Net loans and leases to total assets | 44.5290% | 5,927 |
| Net loans and leases to deposits | 52.7048% | 5,917 |
| Net loans and leases to core deposits | 54.8349% | 5,981 |
| Total domestic deposits to total assets | 84.4875% | 3,985 |
| Equity capital to assets | 13.1968% | 1,499 |
| Core capital (leverage) ratio | 10.2015% | 3,280 |
| Tier 1 risk-based capital ratio | 16.1617% | 3,185 |
| Total risk-based capital ratio | 16.8097% | 3,458 |
| Memoranda: | ||
| Average total assets | $679,275,500 | 972 |
| Average earning assets | $581,573,500 | 1,047 |
| Average equity | $86,349,500 | 806 |
| Average total loans | $294,653,250 | 1,438 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 5,842 |
| Cost of funding earning assets | 0.5650% | 5,185 |
| Net interest margin | 3.3622% | 5,223 |
| Noninterest income to average assets | 4.0607% | 180 |
| Noninterest expense to average assets | 5.2777% | 314 |
| Loan and lease loss provision to assets | 0.0882% | 4,476 |
| Net operating income to assets | 1.1560% | 1,859 |
| Return on assets (ROA) | 1.1893% | 1,950 |
| Pretax return on assets | 1.6183% | 1,494 |
| Return on Equity (ROE) | 9.4756% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.4756% | 1,121 |
| Net charge-offs to loans | 0.4760% | 2,162 |
| Credit loss provision to net charge-offs | 43.2277% | 4,188 |
| Earnings coverage of net charge-offs (x) | 8.1412% | 2,356 |
| Efficiency ratio | 75.3263% | 2,844 |
| Assets per employee ($millions) | 2.0018% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 6,579 |
| Loan loss allowance to noncurrent loans | 351.8258% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 5,089 |
| Noncurrent loans to loans | 0.2401% | 6,095 |
| Net loans and leases to total assets | 43.4611% | 6,071 |
| Net loans and leases to deposits | 52.2209% | 6,012 |
| Net loans and leases to core deposits | 54.3442% | 6,068 |
| Total domestic deposits to total assets | 83.2256% | 4,667 |
| Equity capital to assets | 13.0487% | 1,494 |
| Core capital (leverage) ratio | 9.8604% | 3,640 |
| Tier 1 risk-based capital ratio | 15.9642% | 3,184 |
| Total risk-based capital ratio | 16.5761% | 3,521 |
| Memoranda: | ||
| Average total assets | $680,224,330 | 968 |
| Average earning assets | $582,303,670 | 1,035 |
| Average equity | $85,377,000 | 808 |
| Average total loans | $291,588,670 | 1,454 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 6,030 |
| Cost of funding earning assets | 0.5657% | 5,387 |
| Net interest margin | 3.3285% | 5,374 |
| Noninterest income to average assets | 4.2115% | 157 |
| Noninterest expense to average assets | 5.3986% | 283 |
| Loan and lease loss provision to assets | 0.0880% | 4,267 |
| Net operating income to assets | 1.1666% | 1,839 |
| Return on assets (ROA) | 1.2070% | 1,898 |
| Pretax return on assets | 1.6339% | 1,472 |
| Return on Equity (ROE) | 9.8092% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.8092% | 1,318 |
| Net charge-offs to loans | 0.0595% | 3,902 |
| Credit loss provision to net charge-offs | 348.8372% | 873 |
| Earnings coverage of net charge-offs (x) | 66.0930% | 507 |
| Efficiency ratio | 75.6620% | 2,831 |
| Assets per employee ($millions) | 2.1539% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 6,118 |
| Loan loss allowance to noncurrent loans | 179.2014% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 5,046 |
| Noncurrent loans to loans | 0.5802% | 5,507 |
| Net loans and leases to total assets | 40.8866% | 6,274 |
| Net loans and leases to deposits | 48.2547% | 6,276 |
| Net loans and leases to core deposits | 50.1114% | 6,332 |
| Total domestic deposits to total assets | 84.7309% | 4,152 |
| Equity capital to assets | 12.1198% | 1,961 |
| Core capital (leverage) ratio | 9.8380% | 3,582 |
| Tier 1 risk-based capital ratio | 15.3224% | 3,546 |
| Total risk-based capital ratio | 16.0498% | 3,852 |
| Memoranda: | ||
| Average total assets | $682,029,500 | 968 |
| Average earning assets | $584,775,000 | 1,032 |
| Average equity | $83,921,000 | 820 |
| Average total loans | $289,098,500 | 1,469 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 6,153 |
| Cost of funding earning assets | 0.7055% | 5,501 |
| Net interest margin | 3.4591% | 5,290 |
| Noninterest income to average assets | 3.6769% | 170 |
| Noninterest expense to average assets | 5.2230% | 323 |
| Loan and lease loss provision to assets | 0.1572% | 4,669 |
| Net operating income to assets | 0.9294% | 2,487 |
| Return on assets (ROA) | 0.9071% | 2,696 |
| Pretax return on assets | 1.2306% | 2,350 |
| Return on Equity (ROE) | 7.7417% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.7417% | 1,176 |
| Net charge-offs to loans | 0.8428% | 2,054 |
| Credit loss provision to net charge-offs | 43.2633% | 5,570 |
| Earnings coverage of net charge-offs (x) | 3.8735% | 3,354 |
| Efficiency ratio | 77.8847% | 2,601 |
| Assets per employee ($millions) | 2.0123% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 6,210 |
| Loan loss allowance to noncurrent loans | 201.7397% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 5,057 |
| Noncurrent loans to loans | 0.4973% | 5,714 |
| Net loans and leases to total assets | 43.0812% | 6,293 |
| Net loans and leases to deposits | 51.4095% | 6,263 |
| Net loans and leases to core deposits | 53.4842% | 6,336 |
| Total domestic deposits to total assets | 83.8001% | 4,412 |
| Equity capital to assets | 12.4994% | 1,800 |
| Core capital (leverage) ratio | 9.6168% | 3,835 |
| Tier 1 risk-based capital ratio | 14.9146% | 3,688 |
| Total risk-based capital ratio | 15.6217% | 4,031 |
| Memoranda: | ||
| Average total assets | $667,738,600 | 971 |
| Average earning assets | $570,230,200 | 1,036 |
| Average equity | $78,238,400 | 859 |
| Average total loans | $287,984,000 | 1,485 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 6,219 |
| Cost of funding earning assets | 0.7293% | 5,598 |
| Net interest margin | 3.4647% | 5,338 |
| Noninterest income to average assets | 3.5764% | 179 |
| Noninterest expense to average assets | 5.2055% | 311 |
| Loan and lease loss provision to assets | 0.1994% | 4,030 |
| Net operating income to assets | 0.8288% | 3,029 |
| Return on assets (ROA) | 0.8630% | 3,046 |
| Pretax return on assets | 1.1663% | 2,759 |
| Return on Equity (ROE) | 7.4896% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.4896% | 1,715 |
| Net charge-offs to loans | 1.0078% | 1,597 |
| Credit loss provision to net charge-offs | 45.9770% | 5,121 |
| Earnings coverage of net charge-offs (x) | 3.0736% | 3,600 |
| Efficiency ratio | 78.7137% | 2,440 |
| Assets per employee ($millions) | 2.0926% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 6,006 |
| Loan loss allowance to noncurrent loans | 181.2390% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 5,221 |
| Noncurrent loans to loans | 0.5885% | 5,697 |
| Net loans and leases to total assets | 42.4248% | 6,473 |
| Net loans and leases to deposits | 51.0085% | 6,443 |
| Net loans and leases to core deposits | 53.2832% | 6,496 |
| Total domestic deposits to total assets | 83.1721% | 4,615 |
| Equity capital to assets | 12.0907% | 2,178 |
| Core capital (leverage) ratio | 9.3749% | 4,341 |
| Tier 1 risk-based capital ratio | 14.5562% | 3,934 |
| Total risk-based capital ratio | 15.3201% | 4,277 |
| Memoranda: | ||
| Average total assets | $668,659,500 | 975 |
| Average earning assets | $571,653,250 | 1,040 |
| Average equity | $77,047,250 | 878 |
| Average total loans | $287,734,500 | 1,497 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 6,237 |
| Cost of funding earning assets | 0.7667% | 5,584 |
| Net interest margin | 3.4535% | 5,351 |
| Noninterest income to average assets | 3.9087% | 171 |
| Noninterest expense to average assets | 5.1464% | 331 |
| Loan and lease loss provision to assets | 0.2855% | 3,096 |
| Net operating income to assets | 1.0818% | 1,927 |
| Return on assets (ROA) | 0.9959% | 2,351 |
| Pretax return on assets | 1.3279% | 2,049 |
| Return on Equity (ROE) | 8.7899% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.7899% | 1,178 |
| Net charge-offs to loans | 1.5038% | 986 |
| Credit loss provision to net charge-offs | 44.0631% | 4,737 |
| Earnings coverage of net charge-offs (x) | 2.6461% | 3,510 |
| Efficiency ratio | 74.1404% | 3,344 |
| Assets per employee ($millions) | 1.9641% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 6,040 |
| Loan loss allowance to noncurrent loans | 174.5310% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 5,117 |
| Noncurrent loans to loans | 0.6187% | 5,688 |
| Net loans and leases to total assets | 42.8674% | 6,533 |
| Net loans and leases to deposits | 50.8908% | 6,541 |
| Net loans and leases to core deposits | 53.3712% | 6,597 |
| Total domestic deposits to total assets | 84.2340% | 4,243 |
| Equity capital to assets | 12.0865% | 2,038 |
| Core capital (leverage) ratio | 9.2722% | 4,289 |
| Tier 1 risk-based capital ratio | 15.2012% | 3,397 |
| Total risk-based capital ratio | 15.9734% | 3,626 |
| Memoranda: | ||
| Average total assets | $665,546,330 | 990 |
| Average earning assets | $568,933,000 | 1,058 |
| Average equity | $75,404,670 | 895 |
| Average total loans | $286,732,330 | 1,517 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 6,330 |
| Cost of funding earning assets | 0.8091% | 5,529 |
| Net interest margin | 3.3689% | 5,546 |
| Noninterest income to average assets | 3.8114% | 174 |
| Noninterest expense to average assets | 5.1505% | 317 |
| Loan and lease loss provision to assets | 0.2387% | 3,284 |
| Net operating income to assets | 1.0125% | 2,148 |
| Return on assets (ROA) | 0.8700% | 2,763 |
| Pretax return on assets | 1.1302% | 2,643 |
| Return on Equity (ROE) | 7.9388% | 2,940 |
| Retained earnings to average equity (ytd only) | 7.9388% | 1,755 |
| Net charge-offs to loans | 0.0500% | 4,435 |
| Credit loss provision to net charge-offs | 1,111.1111% | 344 |
| Earnings coverage of net charge-offs (x) | 71.7222% | 430 |
| Efficiency ratio | 76.0546% | 3,159 |
| Assets per employee ($millions) | 2.1487% | 7,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 3,687 |
| Loan loss allowance to noncurrent loans | 114.2822% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 4,607 |
| Noncurrent loans to loans | 1.4092% | 4,360 |
| Net loans and leases to total assets | 41.6249% | 6,658 |
| Net loans and leases to deposits | 48.5669% | 6,718 |
| Net loans and leases to core deposits | 51.1819% | 6,722 |
| Total domestic deposits to total assets | 85.7064% | 3,688 |
| Equity capital to assets | 10.9155% | 2,764 |
| Core capital (leverage) ratio | 9.1187% | 4,420 |
| Tier 1 risk-based capital ratio | 14.2998% | 3,871 |
| Total risk-based capital ratio | 15.4353% | 3,919 |
| Memoranda: | ||
| Average total assets | $670,309,000 | 997 |
| Average earning assets | $573,001,000 | 1,059 |
| Average equity | $73,462,000 | 919 |
| Average total loans | $287,954,000 | 1,522 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 6,185 |
| Cost of funding earning assets | 1.0934% | 5,165 |
| Net interest margin | 3.4807% | 5,320 |
| Noninterest income to average assets | 3.6429% | 186 |
| Noninterest expense to average assets | 5.3181% | 335 |
| Loan and lease loss provision to assets | 0.2652% | 4,677 |
| Net operating income to assets | 0.7665% | 2,930 |
| Return on assets (ROA) | 0.6203% | 3,748 |
| Pretax return on assets | 0.7899% | 3,671 |
| Return on Equity (ROE) | 5.9484% | 3,632 |
| Retained earnings to average equity (ytd only) | 5.9484% | 1,842 |
| Net charge-offs to loans | 0.0934% | 5,912 |
| Credit loss provision to net charge-offs | 602.1898% | 357 |
| Earnings coverage of net charge-offs (x) | 27.9672% | 780 |
| Efficiency ratio | 80.1831% | 2,391 |
| Assets per employee ($millions) | 2.0045% | 7,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 4,082 |
| Loan loss allowance to noncurrent loans | 107.5434% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 4,710 |
| Noncurrent loans to loans | 1.3822% | 4,411 |
| Net loans and leases to total assets | 42.9834% | 6,795 |
| Net loans and leases to deposits | 50.5074% | 6,828 |
| Net loans and leases to core deposits | 53.1863% | 6,847 |
| Total domestic deposits to total assets | 85.1033% | 3,795 |
| Equity capital to assets | 11.0048% | 2,682 |
| Core capital (leverage) ratio | 9.1730% | 4,226 |
| Tier 1 risk-based capital ratio | 14.1069% | 3,805 |
| Total risk-based capital ratio | 15.1528% | 3,905 |
| Memoranda: | ||
| Average total assets | $622,117,400 | 1,073 |
| Average earning assets | $519,583,800 | 1,182 |
| Average equity | $64,874,200 | 1,033 |
| Average total loans | $293,510,200 | 1,526 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 6,185 |
| Cost of funding earning assets | 1.1578% | 5,101 |
| Net interest margin | 3.4939% | 5,315 |
| Noninterest income to average assets | 3.5237% | 187 |
| Noninterest expense to average assets | 5.3434% | 297 |
| Loan and lease loss provision to assets | 0.2937% | 4,226 |
| Net operating income to assets | 0.6103% | 3,835 |
| Return on assets (ROA) | 0.5089% | 4,464 |
| Pretax return on assets | 0.6706% | 4,344 |
| Return on Equity (ROE) | 4.9541% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.9541% | 3,025 |
| Net charge-offs to loans | 0.0687% | 5,829 |
| Credit loss provision to net charge-offs | 888.1579% | 341 |
| Earnings coverage of net charge-offs (x) | 32.8490% | 816 |
| Efficiency ratio | 82.0514% | 2,055 |
| Assets per employee ($millions) | 2.0215% | 7,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 4,372 |
| Loan loss allowance to noncurrent loans | 176.3011% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 4,673 |
| Noncurrent loans to loans | 0.8025% | 5,611 |
| Net loans and leases to total assets | 44.1522% | 6,830 |
| Net loans and leases to deposits | 52.5046% | 6,864 |
| Net loans and leases to core deposits | 55.0534% | 6,911 |
| Total domestic deposits to total assets | 84.0921% | 4,072 |
| Equity capital to assets | 11.7350% | 2,332 |
| Core capital (leverage) ratio | 9.3599% | 4,118 |
| Tier 1 risk-based capital ratio | 14.0100% | 3,828 |
| Total risk-based capital ratio | 15.0189% | 3,961 |
| Memoranda: | ||
| Average total assets | $612,780,250 | 1,099 |
| Average earning assets | $509,671,500 | 1,218 |
| Average equity | $62,949,500 | 1,062 |
| Average total loans | $294,953,250 | 1,535 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 6,019 |
| Cost of funding earning assets | 1.2210% | 5,010 |
| Net interest margin | 3.5163% | 5,182 |
| Noninterest income to average assets | 3.5400% | 186 |
| Noninterest expense to average assets | 5.4199% | 286 |
| Loan and lease loss provision to assets | 0.2328% | 4,590 |
| Net operating income to assets | 0.6199% | 3,783 |
| Return on assets (ROA) | 0.4995% | 4,481 |
| Pretax return on assets | 0.6488% | 4,402 |
| Return on Equity (ROE) | 5.1238% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.1238% | 2,835 |
| Net charge-offs to loans | 0.1004% | 5,141 |
| Credit loss provision to net charge-offs | 469.7987% | 784 |
| Earnings coverage of net charge-offs (x) | 20.6644% | 1,205 |
| Efficiency ratio | 83.0314% | 2,039 |
| Assets per employee ($millions) | 1.8301% | 7,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,597 |
| Loan loss allowance to noncurrent loans | 115.5288% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 4,237 |
| Noncurrent loans to loans | 1.0136% | 5,281 |
| Net loans and leases to total assets | 47.3806% | 6,674 |
| Net loans and leases to deposits | 55.8197% | 6,740 |
| Net loans and leases to core deposits | 58.8637% | 6,776 |
| Total domestic deposits to total assets | 84.8814% | 3,695 |
| Equity capital to assets | 9.7747% | 4,309 |
| Core capital (leverage) ratio | 7.0487% | 7,158 |
| Tier 1 risk-based capital ratio | 10.3905% | 6,771 |
| Total risk-based capital ratio | 11.2578% | 7,002 |
| Memoranda: | ||
| Average total assets | $601,409,000 | 1,127 |
| Average earning assets | $496,660,000 | 1,261 |
| Average equity | $58,628,330 | 1,133 |
| Average total loans | $296,698,670 | 1,539 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 5,910 |
| Cost of funding earning assets | 1.2779% | 4,946 |
| Net interest margin | 3.5160% | 5,099 |
| Noninterest income to average assets | 3.9572% | 167 |
| Noninterest expense to average assets | 5.5312% | 270 |
| Loan and lease loss provision to assets | 0.2691% | 3,873 |
| Net operating income to assets | 0.7980% | 2,970 |
| Return on assets (ROA) | 0.4453% | 4,765 |
| Pretax return on assets | 0.5785% | 4,691 |
| Return on Equity (ROE) | 4.5742% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.5742% | 3,404 |
| Net charge-offs to loans | 0.0013% | 5,603 |
| Credit loss provision to net charge-offs | 40,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,941.0000% | 4 |
| Efficiency ratio | 79.8406% | 2,591 |
| Assets per employee ($millions) | 1.8927% | 7,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 5,947 |
| Loan loss allowance to noncurrent loans | 1,041.0095% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 5,278 |
| Noncurrent loans to loans | 0.1069% | 7,130 |
| Net loans and leases to total assets | 49.0194% | 6,578 |
| Net loans and leases to deposits | 57.9650% | 6,626 |
| Net loans and leases to core deposits | 61.8577% | 6,612 |
| Total domestic deposits to total assets | 84.5671% | 3,864 |
| Equity capital to assets | 9.7987% | 4,110 |
| Core capital (leverage) ratio | 7.0800% | 7,193 |
| Tier 1 risk-based capital ratio | 10.2069% | 6,882 |
| Total risk-based capital ratio | 11.0396% | 7,159 |
| Memoranda: | ||
| Average total assets | $594,660,500 | 1,164 |
| Average earning assets | $487,030,500 | 1,309 |
| Average equity | $57,890,000 | 1,151 |
| Average total loans | $297,649,000 | 1,577 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 4,652 |
| Cost of funding earning assets | 1.6343% | 4,868 |
| Net interest margin | 3.7763% | 3,817 |
| Noninterest income to average assets | 3.9784% | 169 |
| Noninterest expense to average assets | 5.6819% | 357 |
| Loan and lease loss provision to assets | 0.1349% | 6,291 |
| Net operating income to assets | 0.9671% | 1,955 |
| Return on assets (ROA) | 0.7638% | 2,755 |
| Pretax return on assets | 1.0000% | 2,593 |
| Return on Equity (ROE) | 7.8553% | 2,433 |
| Retained earnings to average equity (ytd only) | 4.2051% | 2,275 |
| Net charge-offs to loans | 0.1613% | 5,663 |
| Credit loss provision to net charge-offs | 157.3499% | 2,856 |
| Earnings coverage of net charge-offs (x) | 16.3602% | 1,255 |
| Efficiency ratio | 79.0275% | 3,037 |
| Assets per employee ($millions) | 1.8592% | 7,803 |
| Cash dividends to net income (ytd only)* | 46.4684% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,530 |
| Loan loss allowance to noncurrent loans | 526.4973% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 6,427 |
| Noncurrent loans to loans | 0.1844% | 6,961 |
| Net loans and leases to total assets | 50.0510% | 6,634 |
| Net loans and leases to deposits | 60.4049% | 6,605 |
| Net loans and leases to core deposits | 68.3094% | 6,864 |
| Total domestic deposits to total assets | 82.8591% | 4,579 |
| Equity capital to assets | 9.6705% | 4,187 |
| Core capital (leverage) ratio | 7.1913% | 7,078 |
| Tier 1 risk-based capital ratio | 9.9961% | 6,874 |
| Total risk-based capital ratio | 10.7259% | 7,215 |
| Memoranda: | ||
| Average total assets | $563,494,600 | 1,233 |
| Average earning assets | $463,440,400 | 1,358 |
| Average equity | $54,790,800 | 1,199 |
| Average total loans | $299,398,600 | 1,603 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4248% | 4,826 |
| Cost of funding earning assets | 1.7054% | 4,868 |
| Net interest margin | 3.7194% | 3,994 |
| Noninterest income to average assets | 3.9585% | 172 |
| Noninterest expense to average assets | 5.7205% | 343 |
| Loan and lease loss provision to assets | 0.1342% | 6,017 |
| Net operating income to assets | 0.8653% | 2,557 |
| Return on assets (ROA) | 0.7125% | 3,229 |
| Pretax return on assets | 0.9760% | 2,972 |
| Return on Equity (ROE) | 7.3167% | 2,941 |
| Retained earnings to average equity (ytd only) | 7.3167% | 1,390 |
| Net charge-offs to loans | 0.1375% | 5,325 |
| Credit loss provision to net charge-offs | 181.2298% | 2,523 |
| Earnings coverage of net charge-offs (x) | 17.8252% | 1,383 |
| Efficiency ratio | 80.0524% | 2,830 |
| Assets per employee ($millions) | 1.8378% | 7,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 6,473 |
| Loan loss allowance to noncurrent loans | 1,110.0386% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 6,457 |
| Noncurrent loans to loans | 0.0868% | 7,267 |
| Net loans and leases to total assets | 51.2334% | 6,680 |
| Net loans and leases to deposits | 61.6264% | 6,709 |
| Net loans and leases to core deposits | 68.9689% | 7,019 |
| Total domestic deposits to total assets | 83.1354% | 4,157 |
| Equity capital to assets | 9.8902% | 4,226 |
| Core capital (leverage) ratio | 7.0279% | 7,416 |
| Tier 1 risk-based capital ratio | 9.5611% | 7,328 |
| Total risk-based capital ratio | 10.2853% | 7,617 |
| Memoranda: | ||
| Average total assets | $556,558,000 | 1,254 |
| Average earning assets | $461,105,000 | 1,382 |
| Average equity | $54,194,500 | 1,232 |
| Average total loans | $299,542,500 | 1,621 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5012% | 4,623 |
| Cost of funding earning assets | 1.8068% | 4,723 |
| Net interest margin | 3.6944% | 3,970 |
| Noninterest income to average assets | 4.0184% | 164 |
| Noninterest expense to average assets | 5.8091% | 341 |
| Loan and lease loss provision to assets | 0.0582% | 6,639 |
| Net operating income to assets | 0.8807% | 2,535 |
| Return on assets (ROA) | 0.8233% | 2,861 |
| Pretax return on assets | 1.1278% | 2,546 |
| Return on Equity (ROE) | 8.5019% | 2,570 |
| Retained earnings to average equity (ytd only) | 8.5019% | 1,067 |
| Net charge-offs to loans | 0.1067% | 5,094 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 21.7250% | 1,250 |
| Efficiency ratio | 80.8980% | 2,901 |
| Assets per employee ($millions) | 1.7536% | 8,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 6,826 |
| Loan loss allowance to noncurrent loans | 441.7508% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 7,091 |
| Noncurrent loans to loans | 0.2010% | 7,013 |
| Net loans and leases to total assets | 52.3529% | 6,639 |
| Net loans and leases to deposits | 63.5313% | 6,611 |
| Net loans and leases to core deposits | 71.2676% | 6,946 |
| Total domestic deposits to total assets | 82.4048% | 4,521 |
| Equity capital to assets | 9.7788% | 4,242 |
| Core capital (leverage) ratio | 6.9472% | 7,575 |
| Tier 1 risk-based capital ratio | 9.4870% | 7,395 |
| Total risk-based capital ratio | 10.1600% | 7,776 |
| Memoranda: | ||
| Average total assets | $549,721,670 | 1,287 |
| Average earning assets | $454,628,330 | 1,415 |
| Average equity | $53,235,000 | 1,272 |
| Average total loans | $299,881,330 | 1,650 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 4,750 |
| Cost of funding earning assets | 1.9280% | 4,496 |
| Net interest margin | 3.6023% | 4,306 |
| Noninterest income to average assets | 3.7447% | 170 |
| Noninterest expense to average assets | 5.7613% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7042% | 3,535 |
| Return on assets (ROA) | 0.8317% | 3,133 |
| Pretax return on assets | 1.1386% | 2,833 |
| Return on Equity (ROE) | 8.6322% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.6322% | 1,591 |
| Net charge-offs to loans | 0.0927% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 18.7571% | 1,449 |
| Efficiency ratio | 84.3249% | 2,266 |
| Assets per employee ($millions) | 1.7845% | 8,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 6,947 |
| Loan loss allowance to noncurrent loans | 443.4028% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 7,096 |
| Noncurrent loans to loans | 0.1927% | 6,979 |
| Net loans and leases to total assets | 53.9276% | 6,474 |
| Net loans and leases to deposits | 66.4225% | 6,340 |
| Net loans and leases to core deposits | 75.2836% | 6,729 |
| Total domestic deposits to total assets | 81.1888% | 4,893 |
| Equity capital to assets | 9.4599% | 4,730 |
| Core capital (leverage) ratio | 6.8605% | 7,721 |
| Tier 1 risk-based capital ratio | 9.6591% | 7,286 |
| Total risk-based capital ratio | 10.3487% | 7,746 |
| Memoranda: | ||
| Average total assets | $544,881,500 | 1,304 |
| Average earning assets | $450,819,500 | 1,432 |
| Average equity | $52,501,000 | 1,301 |
| Average total loans | $302,078,500 | 1,658 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9915% | 5,585 |
| Cost of funding earning assets | 2.4830% | 4,296 |
| Net interest margin | 3.5086% | 5,272 |
| Noninterest income to average assets | 1.9573% | 359 |
| Noninterest expense to average assets | 5.2780% | 554 |
| Loan and lease loss provision to assets | 0.0971% | 6,146 |
| Net operating income to assets | -0.1824% | 6,598 |
| Return on assets (ROA) | -0.2959% | 6,586 |
| Pretax return on assets | -0.7006% | 6,810 |
| Return on Equity (ROE) | -2.8754% | 6,604 |
| Retained earnings to average equity (ytd only) | -2.8754% | 6,076 |
| Net charge-offs to loans | 0.1401% | 4,818 |
| Credit loss provision to net charge-offs | 127.4272% | 4,185 |
| Earnings coverage of net charge-offs (x) | -5.5922% | 6,847 |
| Efficiency ratio | 106.7203% | 793 |
| Assets per employee ($millions) | 1.7202% | 8,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,854 |
| Loan loss allowance to noncurrent loans | 511.5010% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 6,936 |
| Noncurrent loans to loans | 0.1681% | 6,891 |
| Net loans and leases to total assets | 56.0189% | 6,439 |
| Net loans and leases to deposits | 71.0633% | 6,159 |
| Net loans and leases to core deposits | 79.6392% | 6,643 |
| Total domestic deposits to total assets | 78.8296% | 5,440 |
| Equity capital to assets | 9.8138% | 4,273 |
| Core capital (leverage) ratio | 6.6402% | 7,878 |
| Tier 1 risk-based capital ratio | 9.4866% | 7,321 |
| Total risk-based capital ratio | 10.2063% | 7,821 |
| Memoranda: | ||
| Average total assets | $540,696,000 | 1,257 |
| Average earning assets | $446,081,200 | 1,400 |
| Average equity | $55,644,600 | 1,210 |
| Average total loans | $294,077,800 | 1,641 |