Home > The Patapsco Bank > Performance and Condition Ratios
The Patapsco Bank, Performance and Condition Ratios
| 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 | 4.1161% | 2,839 |
| Cost of funding earning assets | 0.6344% | 1,203 |
| Net interest margin | 3.4817% | 3,573 |
| Noninterest income to average assets | 0.2802% | 4,947 |
| Noninterest expense to average assets | 3.2944% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0034% | 5,987 |
| Return on assets (ROA) | 0.0063% | 6,018 |
| Pretax return on assets | 0.2244% | 5,777 |
| Return on Equity (ROE) | 0.0629% | 6,019 |
| Retained earnings to average equity (ytd only) | 0.0629% | 5,484 |
| Net charge-offs to loans | 0.0921% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.1282% | 3,237 |
| Efficiency ratio | 93.7436% | 535 |
| Assets per employee ($millions) | 5.4686% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 2,281 |
| Loan loss allowance to noncurrent loans | 93.1229% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 1,543 |
| Noncurrent loans to loans | 1.6134% | 1,625 |
| Net loans and leases to total assets | 74.2651% | 1,621 |
| Net loans and leases to deposits | 89.6542% | 1,642 |
| Net loans and leases to core deposits | 90.2419% | 2,323 |
| Total domestic deposits to total assets | 82.8350% | 4,013 |
| Equity capital to assets | 10.1659% | 3,840 |
| Core capital (leverage) ratio | 10.1401% | 3,411 |
| Tier 1 risk-based capital ratio | 17.1426% | 2,351 |
| Total risk-based capital ratio | 18.4017% | 2,300 |
| Memoranda: | ||
| Average total assets | $221,954,330 | 2,774 |
| Average earning assets | $206,164,670 | 2,745 |
| Average equity | $22,257,670 | 2,975 |
| Average total loans | $169,305,670 | 2,378 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 2,532 |
| Cost of funding earning assets | 0.6671% | 1,011 |
| Net interest margin | 3.5127% | 3,379 |
| Noninterest income to average assets | 0.2916% | 4,838 |
| Noninterest expense to average assets | 3.5337% | 1,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0626% | 5,940 |
| Return on assets (ROA) | 0.0716% | 5,977 |
| Pretax return on assets | 0.0268% | 6,021 |
| Return on Equity (ROE) | 0.7185% | 5,956 |
| Retained earnings to average equity (ytd only) | 0.7185% | 5,163 |
| Net charge-offs to loans | -0.0397% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4962% | 378 |
| Assets per employee ($millions) | 5.2537% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,459 |
| Loan loss allowance to noncurrent loans | 124.2995% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 1,913 |
| Noncurrent loans to loans | 1.2031% | 2,366 |
| Net loans and leases to total assets | 76.8082% | 1,083 |
| Net loans and leases to deposits | 92.6070% | 1,122 |
| Net loans and leases to core deposits | 94.1248% | 1,756 |
| Total domestic deposits to total assets | 82.9400% | 4,193 |
| Equity capital to assets | 10.1253% | 3,978 |
| Core capital (leverage) ratio | 9.8832% | 3,778 |
| Tier 1 risk-based capital ratio | 16.3186% | 2,774 |
| Total risk-based capital ratio | 17.5763% | 2,709 |
| Memoranda: | ||
| Average total assets | $223,560,500 | 2,775 |
| Average earning assets | $207,473,500 | 2,752 |
| Average equity | $22,268,000 | 2,996 |
| Average total loans | $171,495,000 | 2,355 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 3,070 |
| Cost of funding earning assets | 0.7313% | 948 |
| Net interest margin | 3.4320% | 4,057 |
| Noninterest income to average assets | 0.2370% | 5,440 |
| Noninterest expense to average assets | 2.7447% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0289% | 2,269 |
| Return on assets (ROA) | 1.0515% | 2,220 |
| Pretax return on assets | 0.7244% | 4,531 |
| Return on Equity (ROE) | 11.4909% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.4909% | 338 |
| Net charge-offs to loans | 0.0127% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 76.7143% | 655 |
| Efficiency ratio | 79.4742% | 2,004 |
| Assets per employee ($millions) | 5.0326% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,504 |
| Loan loss allowance to noncurrent loans | 94.1090% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.8188% | 1,430 |
| Noncurrent loans to loans | 1.5889% | 1,838 |
| Net loans and leases to total assets | 74.3510% | 1,530 |
| Net loans and leases to deposits | 91.4303% | 1,352 |
| Net loans and leases to core deposits | 92.9182% | 2,000 |
| Total domestic deposits to total assets | 81.3199% | 4,646 |
| Equity capital to assets | 9.8002% | 4,354 |
| Core capital (leverage) ratio | 9.2985% | 4,541 |
| Tier 1 risk-based capital ratio | 15.4345% | 3,254 |
| Total risk-based capital ratio | 16.6920% | 3,194 |
| Memoranda: | ||
| Average total assets | $229,568,800 | 2,705 |
| Average earning assets | $214,688,400 | 2,664 |
| Average equity | $21,008,000 | 3,054 |
| Average total loans | $165,103,200 | 2,373 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 3,223 |
| Cost of funding earning assets | 0.7383% | 952 |
| Net interest margin | 3.3990% | 4,244 |
| Noninterest income to average assets | 0.2234% | 5,591 |
| Noninterest expense to average assets | 2.7836% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1542% | 1,848 |
| Return on assets (ROA) | 1.1843% | 1,810 |
| Pretax return on assets | 0.6570% | 4,854 |
| Return on Equity (ROE) | 13.1711% | 1,179 |
| Retained earnings to average equity (ytd only) | 13.1711% | 311 |
| Net charge-offs to loans | -0.3129% | 6,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3985% | 1,690 |
| Assets per employee ($millions) | 5.2537% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 1,752 |
| Loan loss allowance to noncurrent loans | 90.0274% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.0933% | 1,340 |
| Noncurrent loans to loans | 1.9701% | 1,617 |
| Net loans and leases to total assets | 70.9403% | 2,037 |
| Net loans and leases to deposits | 86.6647% | 1,834 |
| Net loans and leases to core deposits | 87.9089% | 2,442 |
| Total domestic deposits to total assets | 81.8560% | 4,529 |
| Equity capital to assets | 9.4215% | 4,892 |
| Core capital (leverage) ratio | 9.1231% | 4,890 |
| Tier 1 risk-based capital ratio | 15.3296% | 3,406 |
| Total risk-based capital ratio | 16.5908% | 3,334 |
| Memoranda: | ||
| Average total assets | $230,344,750 | 2,713 |
| Average earning assets | $215,977,000 | 2,668 |
| Average equity | $20,711,500 | 3,093 |
| Average total loans | $163,645,250 | 2,406 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 3,137 |
| Cost of funding earning assets | 0.7487% | 929 |
| Net interest margin | 3.4036% | 4,156 |
| Noninterest income to average assets | 0.2304% | 5,551 |
| Noninterest expense to average assets | 2.8400% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3752% | 1,124 |
| Return on assets (ROA) | 1.4204% | 1,060 |
| Pretax return on assets | 0.6285% | 4,853 |
| Return on Equity (ROE) | 16.0545% | 653 |
| Retained earnings to average equity (ytd only) | 16.0545% | 172 |
| Net charge-offs to loans | -0.4516% | 6,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6308% | 1,675 |
| Assets per employee ($millions) | 4.9052% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 1,823 |
| Loan loss allowance to noncurrent loans | 93.5494% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.0373% | 1,561 |
| Noncurrent loans to loans | 1.9351% | 1,759 |
| Net loans and leases to total assets | 69.2620% | 2,192 |
| Net loans and leases to deposits | 82.1898% | 2,230 |
| Net loans and leases to core deposits | 83.4631% | 2,796 |
| Total domestic deposits to total assets | 84.2707% | 3,824 |
| Equity capital to assets | 9.2763% | 5,003 |
| Core capital (leverage) ratio | 8.8903% | 5,174 |
| Tier 1 risk-based capital ratio | 15.2029% | 3,527 |
| Total risk-based capital ratio | 16.4647% | 3,466 |
| Memoranda: | ||
| Average total assets | $230,072,330 | 2,728 |
| Average earning assets | $215,828,330 | 2,678 |
| Average equity | $20,355,670 | 3,132 |
| Average total loans | $162,544,330 | 2,421 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 3,165 |
| Cost of funding earning assets | 0.7545% | 957 |
| Net interest margin | 3.3757% | 4,240 |
| Noninterest income to average assets | 0.2158% | 5,627 |
| Noninterest expense to average assets | 2.8020% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5830% | 4,275 |
| Return on assets (ROA) | 0.5830% | 4,348 |
| Pretax return on assets | 0.5830% | 4,889 |
| Return on Equity (ROE) | 6.7539% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.7539% | 2,164 |
| Net charge-offs to loans | -0.7458% | 6,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1080% | 1,914 |
| Assets per employee ($millions) | 4.7895% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,076 |
| Loan loss allowance to noncurrent loans | 89.7196% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 2.2006% | 1,504 |
| Noncurrent loans to loans | 1.9926% | 1,874 |
| Net loans and leases to total assets | 68.8219% | 2,084 |
| Net loans and leases to deposits | 81.2091% | 2,138 |
| Net loans and leases to core deposits | 82.7812% | 2,661 |
| Total domestic deposits to total assets | 84.7465% | 3,974 |
| Equity capital to assets | 8.7014% | 5,446 |
| Core capital (leverage) ratio | 8.7663% | 5,303 |
| Tier 1 risk-based capital ratio | 15.0753% | 3,671 |
| Total risk-based capital ratio | 16.3364% | 3,620 |
| Memoranda: | ||
| Average total assets | $229,836,000 | 2,746 |
| Average earning assets | $215,780,500 | 2,683 |
| Average equity | $19,840,500 | 3,183 |
| Average total loans | $162,504,500 | 2,428 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,828 |
| Cost of funding earning assets | 0.7987% | 1,217 |
| Net interest margin | 3.5354% | 3,739 |
| Noninterest income to average assets | 0.2400% | 5,629 |
| Noninterest expense to average assets | 3.3051% | 2,131 |
| Loan and lease loss provision to assets | 0.0246% | 4,634 |
| Net operating income to assets | 0.2283% | 5,754 |
| Return on assets (ROA) | 0.2684% | 5,708 |
| Pretax return on assets | 0.2684% | 5,809 |
| Return on Equity (ROE) | 3.2031% | 5,430 |
| Retained earnings to average equity (ytd only) | 3.2031% | 3,956 |
| Net charge-offs to loans | 0.6510% | 997 |
| Credit loss provision to net charge-offs | 5.4131% | 4,642 |
| Earnings coverage of net charge-offs (x) | 0.5575% | 4,894 |
| Efficiency ratio | 92.2630% | 861 |
| Assets per employee ($millions) | 4.7870% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 2,873 |
| Loan loss allowance to noncurrent loans | 77.9492% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.3405% | 1,492 |
| Noncurrent loans to loans | 2.0169% | 1,972 |
| Net loans and leases to total assets | 70.2133% | 1,978 |
| Net loans and leases to deposits | 82.7596% | 2,101 |
| Net loans and leases to core deposits | 84.3017% | 2,641 |
| Total domestic deposits to total assets | 84.8401% | 3,833 |
| Equity capital to assets | 8.5635% | 5,511 |
| Core capital (leverage) ratio | 8.6499% | 5,477 |
| Tier 1 risk-based capital ratio | 14.3214% | 4,071 |
| Total risk-based capital ratio | 15.5789% | 4,009 |
| Memoranda: | ||
| Average total assets | $232,123,200 | 2,701 |
| Average earning assets | $217,850,800 | 2,647 |
| Average equity | $19,450,200 | 3,216 |
| Average total loans | $161,760,800 | 2,399 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 2,799 |
| Cost of funding earning assets | 0.8033% | 1,299 |
| Net interest margin | 3.5441% | 3,691 |
| Noninterest income to average assets | 0.2389% | 5,724 |
| Noninterest expense to average assets | 3.4004% | 1,824 |
| Loan and lease loss provision to assets | 0.0327% | 4,366 |
| Net operating income to assets | 0.1323% | 6,074 |
| Return on assets (ROA) | 0.1856% | 6,019 |
| Pretax return on assets | 0.1856% | 6,061 |
| Return on Equity (ROE) | 2.2275% | 5,869 |
| Retained earnings to average equity (ytd only) | 2.2275% | 4,985 |
| Net charge-offs to loans | 0.8344% | 701 |
| Credit loss provision to net charge-offs | 5.6492% | 4,274 |
| Earnings coverage of net charge-offs (x) | 0.2854% | 4,765 |
| Efficiency ratio | 94.7453% | 694 |
| Assets per employee ($millions) | 4.5080% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 2,933 |
| Loan loss allowance to noncurrent loans | 64.8281% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.6260% | 1,441 |
| Noncurrent loans to loans | 2.4933% | 1,734 |
| Net loans and leases to total assets | 70.7782% | 1,823 |
| Net loans and leases to deposits | 81.4248% | 2,210 |
| Net loans and leases to core deposits | 82.9278% | 2,770 |
| Total domestic deposits to total assets | 86.9246% | 2,735 |
| Equity capital to assets | 8.5799% | 5,651 |
| Core capital (leverage) ratio | 8.4465% | 5,818 |
| Tier 1 risk-based capital ratio | 14.2935% | 4,220 |
| Total risk-based capital ratio | 15.5518% | 4,159 |
| Memoranda: | ||
| Average total assets | $232,709,750 | 2,707 |
| Average earning assets | $218,422,500 | 2,652 |
| Average equity | $19,393,500 | 3,259 |
| Average total loans | $161,223,250 | 2,418 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 2,647 |
| Cost of funding earning assets | 0.8031% | 1,394 |
| Net interest margin | 3.5752% | 3,466 |
| Noninterest income to average assets | 0.2364% | 5,753 |
| Noninterest expense to average assets | 3.5927% | 1,422 |
| Loan and lease loss provision to assets | 0.0485% | 4,008 |
| Net operating income to assets | -0.0502% | 6,359 |
| Return on assets (ROA) | 0.0289% | 6,339 |
| Pretax return on assets | 0.0289% | 6,323 |
| Return on Equity (ROE) | 0.3503% | 6,331 |
| Retained earnings to average equity (ytd only) | 0.3503% | 5,755 |
| Net charge-offs to loans | 0.7681% | 827 |
| Credit loss provision to net charge-offs | 9.2233% | 3,907 |
| Earnings coverage of net charge-offs (x) | -0.0032% | 4,558 |
| Efficiency ratio | 99.4315% | 507 |
| Assets per employee ($millions) | 4.3622% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 2,099 |
| Loan loss allowance to noncurrent loans | 50.0332% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.9944% | 1,353 |
| Noncurrent loans to loans | 3.8095% | 1,066 |
| Net loans and leases to total assets | 67.0486% | 2,402 |
| Net loans and leases to deposits | 76.8177% | 2,754 |
| Net loans and leases to core deposits | 78.1881% | 3,262 |
| Total domestic deposits to total assets | 87.2828% | 2,668 |
| Equity capital to assets | 8.2786% | 5,990 |
| Core capital (leverage) ratio | 8.2268% | 5,983 |
| Tier 1 risk-based capital ratio | 14.1532% | 4,323 |
| Total risk-based capital ratio | 15.4150% | 4,271 |
| Memoranda: | ||
| Average total assets | $235,146,330 | 2,697 |
| Average earning assets | $220,633,330 | 2,634 |
| Average equity | $19,411,670 | 3,275 |
| Average total loans | $160,912,670 | 2,426 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 1,859 |
| Cost of funding earning assets | 0.8136% | 1,454 |
| Net interest margin | 3.7756% | 2,540 |
| Noninterest income to average assets | 0.2126% | 5,961 |
| Noninterest expense to average assets | 3.7230% | 1,213 |
| Loan and lease loss provision to assets | -0.6731% | 6,977 |
| Net operating income to assets | 0.6933% | 3,724 |
| Return on assets (ROA) | 0.6933% | 3,869 |
| Pretax return on assets | 0.6933% | 4,605 |
| Return on Equity (ROE) | 8.4103% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.4103% | 1,601 |
| Net charge-offs to loans | -0.7514% | 6,899 |
| Credit loss provision to net charge-offs | 130.8197% | 1,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8734% | 594 |
| Assets per employee ($millions) | 4.3574% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1900% | 1,600 |
| Loan loss allowance to noncurrent loans | 73.0115% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 2.4322% | 1,902 |
| Noncurrent loans to loans | 2.9995% | 1,670 |
| Net loans and leases to total assets | 66.0339% | 2,363 |
| Net loans and leases to deposits | 75.6695% | 2,690 |
| Net loans and leases to core deposits | 77.0939% | 3,194 |
| Total domestic deposits to total assets | 87.2662% | 2,779 |
| Equity capital to assets | 8.3986% | 6,104 |
| Core capital (leverage) ratio | 8.2200% | 5,917 |
| Tier 1 risk-based capital ratio | 14.5538% | 4,135 |
| Total risk-based capital ratio | 15.8203% | 4,089 |
| Memoranda: | ||
| Average total assets | $237,120,500 | 2,707 |
| Average earning assets | $221,739,500 | 2,652 |
| Average equity | $19,547,500 | 3,309 |
| Average total loans | $162,355,500 | 2,417 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 2,762 |
| Cost of funding earning assets | 0.9758% | 1,492 |
| Net interest margin | 3.6825% | 3,730 |
| Noninterest income to average assets | 0.3017% | 5,298 |
| Noninterest expense to average assets | 3.0013% | 3,269 |
| Loan and lease loss provision to assets | 0.5791% | 962 |
| Net operating income to assets | 0.1096% | 5,997 |
| Return on assets (ROA) | 0.1127% | 6,127 |
| Pretax return on assets | 0.1814% | 6,019 |
| Return on Equity (ROE) | 1.5299% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.5299% | 5,103 |
| Net charge-offs to loans | 1.5864% | 537 |
| Credit loss provision to net charge-offs | 51.8426% | 4,651 |
| Earnings coverage of net charge-offs (x) | 0.6766% | 5,147 |
| Efficiency ratio | 79.3426% | 2,232 |
| Assets per employee ($millions) | 4.2668% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1543% | 1,644 |
| Loan loss allowance to noncurrent loans | 58.6507% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 3.0799% | 1,528 |
| Noncurrent loans to loans | 3.6731% | 1,324 |
| Net loans and leases to total assets | 67.9169% | 2,192 |
| Net loans and leases to deposits | 77.4662% | 2,592 |
| Net loans and leases to core deposits | 79.3565% | 3,097 |
| Total domestic deposits to total assets | 87.6730% | 2,430 |
| Equity capital to assets | 8.0912% | 6,357 |
| Core capital (leverage) ratio | 7.8858% | 6,294 |
| Tier 1 risk-based capital ratio | 13.7003% | 4,601 |
| Total risk-based capital ratio | 14.9665% | 4,539 |
| Memoranda: | ||
| Average total assets | $250,227,800 | 2,529 |
| Average earning assets | $234,788,000 | 2,457 |
| Average equity | $18,432,600 | 3,419 |
| Average total loans | $176,183,000 | 2,248 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 2,833 |
| Cost of funding earning assets | 1.0143% | 1,476 |
| Net interest margin | 3.6781% | 3,889 |
| Noninterest income to average assets | 0.3082% | 5,317 |
| Noninterest expense to average assets | 2.9169% | 3,529 |
| Loan and lease loss provision to assets | 0.8198% | 570 |
| Net operating income to assets | -0.0683% | 6,364 |
| Return on assets (ROA) | -0.0643% | 6,472 |
| Pretax return on assets | 0.0263% | 6,367 |
| Return on Equity (ROE) | -0.8934% | 6,494 |
| Retained earnings to average equity (ytd only) | -0.8934% | 6,256 |
| Net charge-offs to loans | 2.0891% | 330 |
| Credit loss provision to net charge-offs | 55.5516% | 4,265 |
| Earnings coverage of net charge-offs (x) | 0.5691% | 5,034 |
| Efficiency ratio | 77.0968% | 2,510 |
| Assets per employee ($millions) | 4.2147% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 1,828 |
| Loan loss allowance to noncurrent loans | 50.0681% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 3.4882% | 1,439 |
| Noncurrent loans to loans | 4.2759% | 1,143 |
| Net loans and leases to total assets | 67.5362% | 2,361 |
| Net loans and leases to deposits | 77.4914% | 2,731 |
| Net loans and leases to core deposits | 79.3099% | 3,294 |
| Total domestic deposits to total assets | 87.1532% | 2,583 |
| Equity capital to assets | 7.6154% | 6,740 |
| Core capital (leverage) ratio | 7.4749% | 6,634 |
| Tier 1 risk-based capital ratio | 12.6748% | 5,500 |
| Total risk-based capital ratio | 13.9402% | 5,455 |
| Memoranda: | ||
| Average total assets | $253,050,000 | 2,525 |
| Average earning assets | $237,257,000 | 2,460 |
| Average equity | $18,207,500 | 3,475 |
| Average total loans | $178,765,500 | 2,245 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 3,103 |
| Cost of funding earning assets | 1.0559% | 1,431 |
| Net interest margin | 3.6026% | 4,250 |
| Noninterest income to average assets | 0.3615% | 4,947 |
| Noninterest expense to average assets | 2.9460% | 3,454 |
| Loan and lease loss provision to assets | 1.1827% | 352 |
| Net operating income to assets | -0.5296% | 6,747 |
| Return on assets (ROA) | -0.5226% | 6,778 |
| Pretax return on assets | -0.3874% | 6,693 |
| Return on Equity (ROE) | -7.4036% | 6,842 |
| Retained earnings to average equity (ytd only) | -7.4036% | 6,734 |
| Net charge-offs to loans | 2.9622% | 200 |
| Credit loss provision to net charge-offs | 56.0939% | 3,903 |
| Earnings coverage of net charge-offs (x) | 0.3738% | 4,894 |
| Efficiency ratio | 78.3460% | 2,413 |
| Assets per employee ($millions) | 4.3877% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1096% | 1,973 |
| Loan loss allowance to noncurrent loans | 42.2187% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 4.0391% | 1,260 |
| Noncurrent loans to loans | 4.9967% | 989 |
| Net loans and leases to total assets | 68.2137% | 2,258 |
| Net loans and leases to deposits | 76.6722% | 2,892 |
| Net loans and leases to core deposits | 78.5978% | 3,434 |
| Total domestic deposits to total assets | 88.9680% | 1,523 |
| Equity capital to assets | 7.1249% | 6,883 |
| Core capital (leverage) ratio | 7.1323% | 6,774 |
| Tier 1 risk-based capital ratio | 11.9939% | 5,942 |
| Total risk-based capital ratio | 13.2592% | 5,906 |
| Memoranda: | ||
| Average total assets | $254,510,670 | 2,504 |
| Average earning assets | $238,274,330 | 2,447 |
| Average equity | $17,964,330 | 3,505 |
| Average total loans | $181,149,000 | 2,211 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 2,542 |
| Cost of funding earning assets | 1.1108% | 1,344 |
| Net interest margin | 3.7145% | 3,767 |
| Noninterest income to average assets | 0.3127% | 5,381 |
| Noninterest expense to average assets | 2.9090% | 3,593 |
| Loan and lease loss provision to assets | 3.7215% | 37 |
| Net operating income to assets | -2.8493% | 7,213 |
| Return on assets (ROA) | -2.8493% | 7,215 |
| Pretax return on assets | -2.8493% | 7,202 |
| Return on Equity (ROE) | -40.5581% | 7,202 |
| Retained earnings to average equity (ytd only) | -40.5581% | 7,187 |
| Net charge-offs to loans | 7.3617% | 39 |
| Credit loss provision to net charge-offs | 70.2879% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.1647% | 4,290 |
| Efficiency ratio | 76.3924% | 2,731 |
| Assets per employee ($millions) | 4.2479% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1554% | 1,975 |
| Loan loss allowance to noncurrent loans | 42.7823% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 4.4575% | 1,206 |
| Noncurrent loans to loans | 5.0381% | 1,111 |
| Net loans and leases to total assets | 69.7825% | 1,791 |
| Net loans and leases to deposits | 78.0707% | 2,493 |
| Net loans and leases to core deposits | 80.0076% | 3,070 |
| Total domestic deposits to total assets | 89.3837% | 1,433 |
| Equity capital to assets | 6.7030% | 6,978 |
| Core capital (leverage) ratio | 6.6677% | 6,936 |
| Tier 1 risk-based capital ratio | 10.6992% | 6,671 |
| Total risk-based capital ratio | 11.9645% | 6,649 |
| Memoranda: | ||
| Average total assets | $254,522,500 | 2,524 |
| Average earning assets | $237,661,500 | 2,470 |
| Average equity | $17,880,500 | 3,522 |
| Average total loans | $183,055,500 | 2,194 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 3,137 |
| Cost of funding earning assets | 1.3227% | 1,379 |
| Net interest margin | 3.6213% | 4,648 |
| Noninterest income to average assets | 0.2761% | 5,557 |
| Noninterest expense to average assets | 3.0057% | 3,569 |
| Loan and lease loss provision to assets | 1.1424% | 790 |
| Net operating income to assets | -1.2156% | 6,829 |
| Return on assets (ROA) | -1.1523% | 6,829 |
| Pretax return on assets | -0.4538% | 6,455 |
| Return on Equity (ROE) | -15.1388% | 6,894 |
| Retained earnings to average equity (ytd only) | -15.1388% | 6,873 |
| Net charge-offs to loans | 1.3221% | 1,247 |
| Credit loss provision to net charge-offs | 120.5436% | 2,643 |
| Earnings coverage of net charge-offs (x) | 0.6599% | 5,325 |
| Efficiency ratio | 82.2449% | 1,983 |
| Assets per employee ($millions) | 4.2362% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6685% | 1,112 |
| Loan loss allowance to noncurrent loans | 36.5046% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 6.2575% | 763 |
| Noncurrent loans to loans | 7.3100% | 596 |
| Net loans and leases to total assets | 70.5889% | 1,907 |
| Net loans and leases to deposits | 79.5878% | 2,598 |
| Net loans and leases to core deposits | 81.5184% | 3,243 |
| Total domestic deposits to total assets | 88.6931% | 1,724 |
| Equity capital to assets | 7.3481% | 6,869 |
| Core capital (leverage) ratio | 7.3388% | 6,731 |
| Tier 1 risk-based capital ratio | 11.6209% | 6,073 |
| Total risk-based capital ratio | 12.8931% | 6,050 |
| Memoranda: | ||
| Average total assets | $263,994,800 | 2,392 |
| Average earning assets | $244,580,800 | 2,351 |
| Average equity | $20,094,000 | 3,126 |
| Average total loans | $189,247,200 | 2,140 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 3,084 |
| Cost of funding earning assets | 1.3612% | 1,413 |
| Net interest margin | 3.6394% | 4,619 |
| Noninterest income to average assets | 0.2812% | 5,601 |
| Noninterest expense to average assets | 3.0054% | 3,536 |
| Loan and lease loss provision to assets | 0.8717% | 1,042 |
| Net operating income to assets | -1.1524% | 6,937 |
| Return on assets (ROA) | -1.0688% | 6,939 |
| Pretax return on assets | -0.1461% | 6,370 |
| Return on Equity (ROE) | -13.9275% | 6,991 |
| Retained earnings to average equity (ytd only) | -13.9275% | 6,965 |
| Net charge-offs to loans | 1.4364% | 1,023 |
| Credit loss provision to net charge-offs | 84.8928% | 3,965 |
| Earnings coverage of net charge-offs (x) | 0.6252% | 5,161 |
| Efficiency ratio | 81.8631% | 2,000 |
| Assets per employee ($millions) | 4.3522% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2182% | 1,824 |
| Loan loss allowance to noncurrent loans | 41.4390% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 4.6024% | 1,295 |
| Noncurrent loans to loans | 5.3530% | 1,125 |
| Net loans and leases to total assets | 70.2982% | 2,021 |
| Net loans and leases to deposits | 79.4765% | 2,723 |
| Net loans and leases to core deposits | 81.3838% | 3,429 |
| Total domestic deposits to total assets | 88.4515% | 1,784 |
| Equity capital to assets | 7.7132% | 6,840 |
| Core capital (leverage) ratio | 7.5550% | 6,733 |
| Tier 1 risk-based capital ratio | 12.0173% | 5,881 |
| Total risk-based capital ratio | 13.2830% | 5,859 |
| Memoranda: | ||
| Average total assets | $266,450,250 | 2,378 |
| Average earning assets | $246,447,750 | 2,344 |
| Average equity | $20,448,250 | 3,081 |
| Average total loans | $190,474,750 | 2,147 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9934% | 3,184 |
| Cost of funding earning assets | 1.3862% | 1,478 |
| Net interest margin | 3.6072% | 4,698 |
| Noninterest income to average assets | 0.3026% | 5,472 |
| Noninterest expense to average assets | 3.0926% | 3,283 |
| Loan and lease loss provision to assets | 1.0524% | 800 |
| Net operating income to assets | -1.8808% | 7,172 |
| Return on assets (ROA) | -1.8111% | 7,169 |
| Pretax return on assets | -0.4435% | 6,620 |
| Return on Equity (ROE) | -23.6372% | 7,184 |
| Retained earnings to average equity (ytd only) | -23.6372% | 7,174 |
| Net charge-offs to loans | 1.6941% | 852 |
| Credit loss provision to net charge-offs | 87.0552% | 3,552 |
| Earnings coverage of net charge-offs (x) | 0.4460% | 4,968 |
| Efficiency ratio | 84.6232% | 1,750 |
| Assets per employee ($millions) | 4.1340% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2456% | 1,830 |
| Loan loss allowance to noncurrent loans | 42.1677% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 4.3976% | 1,434 |
| Noncurrent loans to loans | 5.3254% | 1,201 |
| Net loans and leases to total assets | 69.0047% | 2,415 |
| Net loans and leases to deposits | 78.8663% | 2,985 |
| Net loans and leases to core deposits | 80.7507% | 3,684 |
| Total domestic deposits to total assets | 87.4958% | 2,471 |
| Equity capital to assets | 7.3763% | 7,003 |
| Core capital (leverage) ratio | 7.1992% | 6,919 |
| Tier 1 risk-based capital ratio | 11.7387% | 5,982 |
| Total risk-based capital ratio | 13.0046% | 5,971 |
| Memoranda: | ||
| Average total assets | $269,674,000 | 2,370 |
| Average earning assets | $248,889,000 | 2,339 |
| Average equity | $20,662,330 | 3,042 |
| Average total loans | $192,431,000 | 2,161 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 3,259 |
| Cost of funding earning assets | 1.3775% | 1,727 |
| Net interest margin | 3.5896% | 4,615 |
| Noninterest income to average assets | 0.2160% | 6,191 |
| Noninterest expense to average assets | 2.9843% | 3,708 |
| Loan and lease loss provision to assets | 1.4694% | 442 |
| Net operating income to assets | -0.5718% | 6,850 |
| Return on assets (ROA) | -0.4834% | 6,803 |
| Pretax return on assets | -0.8067% | 6,926 |
| Return on Equity (ROE) | -6.1972% | 6,877 |
| Retained earnings to average equity (ytd only) | -6.1972% | 6,608 |
| Net charge-offs to loans | 2.4357% | 480 |
| Credit loss provision to net charge-offs | 84.1043% | 3,067 |
| Earnings coverage of net charge-offs (x) | 0.3003% | 4,393 |
| Efficiency ratio | 84.5059% | 1,898 |
| Assets per employee ($millions) | 4.2287% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1792% | 2,013 |
| Loan loss allowance to noncurrent loans | 33.6849% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 5.1619% | 1,216 |
| Noncurrent loans to loans | 6.4693% | 927 |
| Net loans and leases to total assets | 69.9289% | 2,141 |
| Net loans and leases to deposits | 80.1660% | 2,695 |
| Net loans and leases to core deposits | 82.0306% | 3,451 |
| Total domestic deposits to total assets | 87.2300% | 2,809 |
| Equity capital to assets | 7.9358% | 6,559 |
| Core capital (leverage) ratio | 7.4687% | 6,749 |
| Tier 1 risk-based capital ratio | 11.6476% | 5,982 |
| Total risk-based capital ratio | 12.9125% | 5,959 |
| Memoranda: | ||
| Average total assets | $272,223,000 | 2,368 |
| Average earning assets | $249,722,500 | 2,350 |
| Average equity | $21,235,500 | 2,953 |
| Average total loans | $195,264,500 | 2,150 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4555% | 2,455 |
| Cost of funding earning assets | 1.8532% | 989 |
| Net interest margin | 3.6023% | 4,807 |
| Noninterest income to average assets | -0.2181% | 7,478 |
| Noninterest expense to average assets | 3.0641% | 3,614 |
| Loan and lease loss provision to assets | 1.5715% | 925 |
| Net operating income to assets | -0.9713% | 6,662 |
| Return on assets (ROA) | -0.9383% | 6,682 |
| Pretax return on assets | -1.5427% | 6,873 |
| Return on Equity (ROE) | -11.8407% | 6,807 |
| Retained earnings to average equity (ytd only) | -11.8407% | 6,754 |
| Net charge-offs to loans | 1.5315% | 1,434 |
| Credit loss provision to net charge-offs | 134.1946% | 2,906 |
| Earnings coverage of net charge-offs (x) | -0.0195% | 6,148 |
| Efficiency ratio | 100.1105% | 768 |
| Assets per employee ($millions) | 4.1487% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2353% | 1,809 |
| Loan loss allowance to noncurrent loans | 34.6605% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 5.3300% | 1,166 |
| Noncurrent loans to loans | 6.4493% | 933 |
| Net loans and leases to total assets | 70.3609% | 2,448 |
| Net loans and leases to deposits | 80.4355% | 3,087 |
| Net loans and leases to core deposits | 82.1824% | 3,882 |
| Total domestic deposits to total assets | 87.4749% | 2,566 |
| Equity capital to assets | 7.6673% | 6,771 |
| Core capital (leverage) ratio | 7.6628% | 6,572 |
| Tier 1 risk-based capital ratio | 11.8832% | 5,584 |
| Total risk-based capital ratio | 13.1486% | 5,549 |
| Memoranda: | ||
| Average total assets | $267,714,200 | 2,383 |
| Average earning assets | $242,230,800 | 2,406 |
| Average equity | $21,215,000 | 2,979 |
| Average total loans | $204,699,200 | 2,116 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 2,282 |
| Cost of funding earning assets | 1.9266% | 944 |
| Net interest margin | 3.6158% | 4,807 |
| Noninterest income to average assets | -0.3661% | 7,648 |
| Noninterest expense to average assets | 3.1711% | 3,022 |
| Loan and lease loss provision to assets | 1.6093% | 802 |
| Net operating income to assets | -1.1527% | 6,965 |
| Return on assets (ROA) | -1.1085% | 6,982 |
| Pretax return on assets | -1.8192% | 7,142 |
| Return on Equity (ROE) | -13.8719% | 7,069 |
| Retained earnings to average equity (ytd only) | -13.8719% | 7,035 |
| Net charge-offs to loans | 1.7779% | 1,096 |
| Credit loss provision to net charge-offs | 116.6243% | 3,569 |
| Earnings coverage of net charge-offs (x) | -0.2022% | 6,177 |
| Efficiency ratio | 108.9713% | 544 |
| Assets per employee ($millions) | 3.8303% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 2,514 |
| Loan loss allowance to noncurrent loans | 34.2395% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 5.0042% | 1,287 |
| Noncurrent loans to loans | 5.5186% | 1,201 |
| Net loans and leases to total assets | 72.3816% | 2,171 |
| Net loans and leases to deposits | 85.0520% | 2,512 |
| Net loans and leases to core deposits | 87.0901% | 3,510 |
| Total domestic deposits to total assets | 85.1027% | 3,570 |
| Equity capital to assets | 7.7779% | 6,946 |
| Core capital (leverage) ratio | 7.7471% | 6,627 |
| Tier 1 risk-based capital ratio | 11.6142% | 5,819 |
| Total risk-based capital ratio | 12.8746% | 5,794 |
| Memoranda: | ||
| Average total assets | $266,190,000 | 2,429 |
| Average earning assets | $239,868,500 | 2,463 |
| Average equity | $21,270,250 | 3,015 |
| Average total loans | $206,608,750 | 2,127 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5781% | 2,217 |
| Cost of funding earning assets | 1.9634% | 1,007 |
| Net interest margin | 3.6147% | 4,759 |
| Noninterest income to average assets | -0.6592% | 7,766 |
| Noninterest expense to average assets | 3.3829% | 2,313 |
| Loan and lease loss provision to assets | 2.2015% | 544 |
| Net operating income to assets | -1.8273% | 7,265 |
| Return on assets (ROA) | -1.7929% | 7,260 |
| Pretax return on assets | -2.9379% | 7,454 |
| Return on Equity (ROE) | -22.2340% | 7,323 |
| Retained earnings to average equity (ytd only) | -22.2340% | 7,307 |
| Net charge-offs to loans | 2.6031% | 641 |
| Credit loss provision to net charge-offs | 107.1455% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.3845% | 5,974 |
| Efficiency ratio | 129.7140% | 318 |
| Assets per employee ($millions) | 4.0280% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 2,863 |
| Loan loss allowance to noncurrent loans | 36.2562% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 4.5676% | 1,441 |
| Noncurrent loans to loans | 4.8471% | 1,449 |
| Net loans and leases to total assets | 73.0588% | 2,153 |
| Net loans and leases to deposits | 85.5765% | 2,580 |
| Net loans and leases to core deposits | 87.6455% | 3,591 |
| Total domestic deposits to total assets | 85.3726% | 3,432 |
| Equity capital to assets | 7.8021% | 6,924 |
| Core capital (leverage) ratio | 7.7616% | 6,544 |
| Tier 1 risk-based capital ratio | 11.0902% | 6,143 |
| Total risk-based capital ratio | 12.3482% | 6,125 |
| Memoranda: | ||
| Average total assets | $264,270,330 | 2,469 |
| Average earning assets | $237,749,670 | 2,509 |
| Average equity | $21,309,670 | 3,003 |
| Average total loans | $208,601,000 | 2,139 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7286% | 1,670 |
| Cost of funding earning assets | 2.0044% | 1,071 |
| Net interest margin | 3.7242% | 4,127 |
| Noninterest income to average assets | -1.0173% | 7,898 |
| Noninterest expense to average assets | 3.4421% | 2,125 |
| Loan and lease loss provision to assets | 3.9531% | 221 |
| Net operating income to assets | -3.0542% | 7,646 |
| Return on assets (ROA) | -2.9847% | 7,635 |
| Pretax return on assets | -4.9612% | 7,761 |
| Return on Equity (ROE) | -36.4052% | 7,628 |
| Retained earnings to average equity (ytd only) | -36.4052% | 7,610 |
| Net charge-offs to loans | 1.1479% | 1,465 |
| Credit loss provision to net charge-offs | 423.6066% | 979 |
| Earnings coverage of net charge-offs (x) | -1.1967% | 5,406 |
| Efficiency ratio | 147.1711% | 220 |
| Assets per employee ($millions) | 3.4547% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5232% | 1,259 |
| Loan loss allowance to noncurrent loans | 41.0759% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 6.1567% | 953 |
| Noncurrent loans to loans | 6.1427% | 1,060 |
| Net loans and leases to total assets | 78.0864% | 1,141 |
| Net loans and leases to deposits | 91.8895% | 1,626 |
| Net loans and leases to core deposits | 93.5298% | 2,900 |
| Total domestic deposits to total assets | 84.9786% | 3,685 |
| Equity capital to assets | 7.9936% | 6,659 |
| Core capital (leverage) ratio | 7.8530% | 6,431 |
| Tier 1 risk-based capital ratio | 10.4266% | 6,699 |
| Total risk-based capital ratio | 11.6941% | 6,682 |
| Memoranda: | ||
| Average total assets | $261,467,000 | 2,551 |
| Average earning assets | $234,683,500 | 2,597 |
| Average equity | $21,436,500 | 3,015 |
| Average total loans | $212,553,500 | 2,155 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1016% | 1,512 |
| Cost of funding earning assets | 2.4558% | 1,133 |
| Net interest margin | 3.6458% | 4,367 |
| Noninterest income to average assets | 0.2514% | 6,305 |
| Noninterest expense to average assets | 3.9889% | 1,381 |
| Loan and lease loss provision to assets | 1.9432% | 1,134 |
| Net operating income to assets | -1.8576% | 7,031 |
| Return on assets (ROA) | -1.8576% | 7,034 |
| Pretax return on assets | -2.3391% | 7,080 |
| Return on Equity (ROE) | -21.0987% | 7,175 |
| Retained earnings to average equity (ytd only) | -21.0987% | 7,146 |
| Net charge-offs to loans | 2.1028% | 1,161 |
| Credit loss provision to net charge-offs | 109.2128% | 5,056 |
| Earnings coverage of net charge-offs (x) | -0.2226% | 6,480 |
| Efficiency ratio | 79.3489% | 2,980 |
| Assets per employee ($millions) | 3.6163% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 3,465 |
| Loan loss allowance to noncurrent loans | 32.1036% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 5.5551% | 1,055 |
| Noncurrent loans to loans | 4.8339% | 1,421 |
| Net loans and leases to total assets | 81.2075% | 812 |
| Net loans and leases to deposits | 98.2501% | 1,075 |
| Net loans and leases to core deposits | 111.1710% | 2,778 |
| Total domestic deposits to total assets | 82.6539% | 4,677 |
| Equity capital to assets | 8.4052% | 6,051 |
| Core capital (leverage) ratio | 8.2879% | 5,642 |
| Tier 1 risk-based capital ratio | 10.7184% | 6,189 |
| Total risk-based capital ratio | 11.9733% | 6,161 |
| Memoranda: | ||
| Average total assets | $264,157,600 | 2,478 |
| Average earning assets | $242,117,000 | 2,482 |
| Average equity | $23,257,400 | 2,801 |
| Average total loans | $223,508,800 | 2,073 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1354% | 1,541 |
| Cost of funding earning assets | 2.5599% | 1,136 |
| Net interest margin | 3.5755% | 4,570 |
| Noninterest income to average assets | 0.2535% | 6,419 |
| Noninterest expense to average assets | 4.3439% | 864 |
| Loan and lease loss provision to assets | 2.3814% | 710 |
| Net operating income to assets | -2.5147% | 7,471 |
| Return on assets (ROA) | -2.5147% | 7,471 |
| Pretax return on assets | -3.1821% | 7,547 |
| Return on Equity (ROE) | -28.2473% | 7,568 |
| Retained earnings to average equity (ytd only) | -28.2473% | 7,554 |
| Net charge-offs to loans | 2.6082% | 699 |
| Credit loss provision to net charge-offs | 107.2480% | 4,742 |
| Earnings coverage of net charge-offs (x) | -0.3606% | 6,393 |
| Efficiency ratio | 80.1136% | 2,823 |
| Assets per employee ($millions) | 3.5958% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 3,638 |
| Loan loss allowance to noncurrent loans | 30.2603% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 4.5794% | 1,327 |
| Noncurrent loans to loans | 4.8278% | 1,408 |
| Net loans and leases to total assets | 83.8912% | 553 |
| Net loans and leases to deposits | 101.6469% | 955 |
| Net loans and leases to core deposits | 115.0919% | 2,714 |
| Total domestic deposits to total assets | 82.5320% | 4,430 |
| Equity capital to assets | 8.4544% | 6,306 |
| Core capital (leverage) ratio | 8.0787% | 6,224 |
| Tier 1 risk-based capital ratio | 10.5595% | 6,406 |
| Total risk-based capital ratio | 11.8136% | 6,363 |
| Memoranda: | ||
| Average total assets | $265,103,250 | 2,477 |
| Average earning assets | $243,913,000 | 2,477 |
| Average equity | $23,600,500 | 2,797 |
| Average total loans | $225,691,750 | 2,086 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0630% | 1,937 |
| Cost of funding earning assets | 2.6187% | 1,236 |
| Net interest margin | 3.4442% | 5,006 |
| Noninterest income to average assets | 0.2545% | 6,455 |
| Noninterest expense to average assets | 5.0305% | 499 |
| Loan and lease loss provision to assets | 3.2496% | 451 |
| Net operating income to assets | -3.8178% | 7,805 |
| Return on assets (ROA) | -3.8178% | 7,802 |
| Pretax return on assets | -4.8553% | 7,845 |
| Return on Equity (ROE) | -42.1988% | 7,863 |
| Retained earnings to average equity (ytd only) | -42.1988% | 7,850 |
| Net charge-offs to loans | 3.7089% | 402 |
| Credit loss provision to net charge-offs | 102.9161% | 4,449 |
| Earnings coverage of net charge-offs (x) | -0.5085% | 6,077 |
| Efficiency ratio | 81.7486% | 2,754 |
| Assets per employee ($millions) | 3.6075% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 3,830 |
| Loan loss allowance to noncurrent loans | 26.8926% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 4.6846% | 1,183 |
| Noncurrent loans to loans | 5.1340% | 1,175 |
| Net loans and leases to total assets | 80.8846% | 1,161 |
| Net loans and leases to deposits | 102.9415% | 997 |
| Net loans and leases to core deposits | 118.1776% | 2,536 |
| Total domestic deposits to total assets | 78.5733% | 5,932 |
| Equity capital to assets | 8.0882% | 6,644 |
| Core capital (leverage) ratio | 7.9837% | 6,362 |
| Tier 1 risk-based capital ratio | 10.3332% | 6,559 |
| Total risk-based capital ratio | 11.5784% | 6,499 |
| Memoranda: | ||
| Average total assets | $267,172,330 | 2,467 |
| Average earning assets | $245,919,330 | 2,467 |
| Average equity | $24,171,330 | 2,733 |
| Average total loans | $227,452,000 | 2,103 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1808% | 1,655 |
| Cost of funding earning assets | 2.6628% | 1,365 |
| Net interest margin | 3.5179% | 4,660 |
| Noninterest income to average assets | 0.2380% | 6,551 |
| Noninterest expense to average assets | 2.9632% | 3,924 |
| Loan and lease loss provision to assets | 1.3319% | 963 |
| Net operating income to assets | -0.4924% | 6,863 |
| Return on assets (ROA) | -0.4924% | 6,921 |
| Pretax return on assets | -0.8186% | 7,049 |
| Return on Equity (ROE) | -5.1687% | 6,988 |
| Retained earnings to average equity (ytd only) | -5.1687% | 6,571 |
| Net charge-offs to loans | 0.2676% | 3,060 |
| Credit loss provision to net charge-offs | 574.1935% | 986 |
| Earnings coverage of net charge-offs (x) | 2.2129% | 3,635 |
| Efficiency ratio | 84.6750% | 2,227 |
| Assets per employee ($millions) | 3.5605% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 2,588 |
| Loan loss allowance to noncurrent loans | 30.6234% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 4.4450% | 1,089 |
| Noncurrent loans to loans | 5.1689% | 1,041 |
| Net loans and leases to total assets | 84.6338% | 603 |
| Net loans and leases to deposits | 113.0521% | 475 |
| Net loans and leases to core deposits | 132.3063% | 1,515 |
| Total domestic deposits to total assets | 74.8627% | 6,733 |
| Equity capital to assets | 9.4667% | 4,717 |
| Core capital (leverage) ratio | 8.4203% | 5,677 |
| Tier 1 risk-based capital ratio | 10.6390% | 6,247 |
| Total risk-based capital ratio | 11.8869% | 6,172 |
| Memoranda: | ||
| Average total assets | $267,280,000 | 2,487 |
| Average earning assets | $246,053,500 | 2,486 |
| Average equity | $25,461,000 | 2,611 |
| Average total loans | $231,703,000 | 2,086 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9007% | 1,394 |
| Cost of funding earning assets | 3.1013% | 1,504 |
| Net interest margin | 3.7995% | 4,020 |
| Noninterest income to average assets | 0.2603% | 6,588 |
| Noninterest expense to average assets | 2.9692% | 4,186 |
| Loan and lease loss provision to assets | 1.0977% | 1,320 |
| Net operating income to assets | -0.1090% | 6,507 |
| Return on assets (ROA) | -0.1090% | 6,361 |
| Pretax return on assets | -0.2931% | 6,451 |
| Return on Equity (ROE) | -1.2172% | 6,394 |
| Retained earnings to average equity (ytd only) | -3.8772% | 6,297 |
| Net charge-offs to loans | 0.6375% | 1,934 |
| Credit loss provision to net charge-offs | 197.5309% | 2,475 |
| Earnings coverage of net charge-offs (x) | 1.4479% | 5,389 |
| Efficiency ratio | 78.1537% | 2,895 |
| Assets per employee ($millions) | 3.6151% | 4,377 |
| Cash dividends to net income (ytd only)* | -218.5315% | 8,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 4,231 |
| Loan loss allowance to noncurrent loans | 67.6779% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.6018% | 3,045 |
| Noncurrent loans to loans | 1.8330% | 3,014 |
| Net loans and leases to total assets | 86.2982% | 571 |
| Net loans and leases to deposits | 115.3726% | 554 |
| Net loans and leases to core deposits | 135.2676% | 1,523 |
| Total domestic deposits to total assets | 74.7995% | 6,498 |
| Equity capital to assets | 9.5851% | 4,565 |
| Core capital (leverage) ratio | 8.5561% | 5,470 |
| Tier 1 risk-based capital ratio | 10.4934% | 6,215 |
| Total risk-based capital ratio | 11.7448% | 6,093 |
| Memoranda: | ||
| Average total assets | $262,363,200 | 2,445 |
| Average earning assets | $242,611,400 | 2,429 |
| Average equity | $23,496,200 | 2,789 |
| Average total loans | $228,701,000 | 2,060 |