Home > The Talbot Bank of Easton, Maryland > Performance and Condition Ratios
The Talbot Bank of Easton, Maryland, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 4,586 |
| Cost of funding earning assets | 0.2420% | 4,734 |
| Net interest margin | 3.3588% | 4,030 |
| Noninterest income to average assets | 0.4262% | 3,684 |
| Noninterest expense to average assets | 2.2392% | 4,756 |
| Loan and lease loss provision to assets | 0.2201% | 949 |
| Net operating income to assets | 0.7298% | 3,652 |
| Return on assets (ROA) | 0.7298% | 3,811 |
| Pretax return on assets | 1.1899% | 2,818 |
| Return on Equity (ROE) | 6.3995% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.3995% | 1,916 |
| Net charge-offs to loans | 0.2704% | 881 |
| Credit loss provision to net charge-offs | 113.2550% | 1,935 |
| Earnings coverage of net charge-offs (x) | 7.2550% | 2,647 |
| Efficiency ratio | 61.3618% | 4,448 |
| Assets per employee ($millions) | 7.9274% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 4,433 |
| Loan loss allowance to noncurrent loans | 35.7969% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 2.2095% | 697 |
| Noncurrent loans to loans | 2.8342% | 547 |
| Net loans and leases to total assets | 73.1799% | 1,988 |
| Net loans and leases to deposits | 84.1240% | 2,454 |
| Net loans and leases to core deposits | 89.5351% | 2,583 |
| Total domestic deposits to total assets | 86.9905% | 1,920 |
| Equity capital to assets | 11.8466% | 2,236 |
| Core capital (leverage) ratio | 10.7928% | 2,660 |
| Tier 1 risk-based capital ratio | 14.0171% | 3,593 |
| Total risk-based capital ratio | 15.0535% | 3,638 |
| Memoranda: | ||
| Average total assets | $613,340,670 | 1,153 |
| Average earning assets | $588,535,000 | 1,112 |
| Average equity | $69,943,330 | 1,130 |
| Average total loans | $440,814,000 | 1,111 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 4,683 |
| Cost of funding earning assets | 0.2505% | 4,702 |
| Net interest margin | 3.3267% | 4,120 |
| Noninterest income to average assets | 0.4086% | 3,762 |
| Noninterest expense to average assets | 2.1688% | 4,983 |
| Loan and lease loss provision to assets | 0.2424% | 741 |
| Net operating income to assets | 0.7298% | 3,583 |
| Return on assets (ROA) | 0.7298% | 3,692 |
| Pretax return on assets | 1.1908% | 2,740 |
| Return on Equity (ROE) | 6.5234% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.5234% | 2,126 |
| Net charge-offs to loans | 0.2782% | 762 |
| Credit loss provision to net charge-offs | 122.9508% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.2689% | 2,157 |
| Efficiency ratio | 60.2118% | 4,716 |
| Assets per employee ($millions) | 10.2569% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 4,461 |
| Loan loss allowance to noncurrent loans | 39.4610% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.9702% | 891 |
| Noncurrent loans to loans | 2.6032% | 698 |
| Net loans and leases to total assets | 70.6081% | 2,251 |
| Net loans and leases to deposits | 80.6492% | 2,707 |
| Net loans and leases to core deposits | 85.5766% | 2,788 |
| Total domestic deposits to total assets | 87.5497% | 1,898 |
| Equity capital to assets | 11.3952% | 2,539 |
| Core capital (leverage) ratio | 10.2424% | 3,270 |
| Tier 1 risk-based capital ratio | 13.6925% | 3,874 |
| Total risk-based capital ratio | 14.7417% | 3,911 |
| Memoranda: | ||
| Average total assets | $618,769,000 | 1,140 |
| Average earning assets | $593,990,500 | 1,095 |
| Average equity | $69,228,000 | 1,134 |
| Average total loans | $438,513,000 | 1,105 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 4,515 |
| Cost of funding earning assets | 0.3588% | 3,603 |
| Net interest margin | 3.2931% | 4,316 |
| Noninterest income to average assets | 0.4075% | 3,980 |
| Noninterest expense to average assets | 2.2852% | 4,833 |
| Loan and lease loss provision to assets | 0.3048% | 559 |
| Net operating income to assets | 0.5716% | 4,417 |
| Return on assets (ROA) | 0.5716% | 4,503 |
| Pretax return on assets | 0.9373% | 3,702 |
| Return on Equity (ROE) | 5.1290% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.1290% | 2,329 |
| Net charge-offs to loans | 0.3404% | 871 |
| Credit loss provision to net charge-offs | 131.8642% | 1,986 |
| Earnings coverage of net charge-offs (x) | 5.3736% | 3,402 |
| Efficiency ratio | 64.7853% | 4,118 |
| Assets per employee ($millions) | 9.0163% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 4,523 |
| Loan loss allowance to noncurrent loans | 37.3109% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.0253% | 862 |
| Noncurrent loans to loans | 2.7170% | 644 |
| Net loans and leases to total assets | 69.6877% | 2,416 |
| Net loans and leases to deposits | 79.2772% | 2,907 |
| Net loans and leases to core deposits | 83.9882% | 2,967 |
| Total domestic deposits to total assets | 87.9038% | 1,683 |
| Equity capital to assets | 10.9830% | 2,841 |
| Core capital (leverage) ratio | 9.7227% | 3,879 |
| Tier 1 risk-based capital ratio | 13.3053% | 4,102 |
| Total risk-based capital ratio | 14.3558% | 4,160 |
| Memoranda: | ||
| Average total assets | $598,721,800 | 1,133 |
| Average earning assets | $567,209,200 | 1,099 |
| Average equity | $66,719,200 | 1,137 |
| Average total loans | $406,587,000 | 1,139 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,545 |
| Cost of funding earning assets | 0.3791% | 3,449 |
| Net interest margin | 3.2839% | 4,419 |
| Noninterest income to average assets | 0.4012% | 4,075 |
| Noninterest expense to average assets | 2.3217% | 4,729 |
| Loan and lease loss provision to assets | 0.3036% | 478 |
| Net operating income to assets | 0.5357% | 4,653 |
| Return on assets (ROA) | 0.5357% | 4,752 |
| Pretax return on assets | 0.8771% | 4,059 |
| Return on Equity (ROE) | 4.7890% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.7890% | 3,062 |
| Net charge-offs to loans | 0.3337% | 787 |
| Credit loss provision to net charge-offs | 135.2705% | 1,822 |
| Earnings coverage of net charge-offs (x) | 5.2605% | 3,227 |
| Efficiency ratio | 66.2900% | 3,844 |
| Assets per employee ($millions) | 9.1375% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 4,526 |
| Loan loss allowance to noncurrent loans | 40.9853% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.8799% | 1,113 |
| Noncurrent loans to loans | 2.5374% | 804 |
| Net loans and leases to total assets | 67.6294% | 2,747 |
| Net loans and leases to deposits | 77.0008% | 3,194 |
| Net loans and leases to core deposits | 82.2599% | 3,221 |
| Total domestic deposits to total assets | 87.8295% | 1,644 |
| Equity capital to assets | 11.0803% | 2,923 |
| Core capital (leverage) ratio | 9.6646% | 4,086 |
| Tier 1 risk-based capital ratio | 13.1498% | 4,346 |
| Total risk-based capital ratio | 14.2112% | 4,373 |
| Memoranda: | ||
| Average total assets | $592,871,500 | 1,156 |
| Average earning assets | $559,882,500 | 1,121 |
| Average equity | $66,317,000 | 1,147 |
| Average total loans | $398,738,000 | 1,162 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 4,561 |
| Cost of funding earning assets | 0.3957% | 3,322 |
| Net interest margin | 3.2582% | 4,464 |
| Noninterest income to average assets | 0.3943% | 4,121 |
| Noninterest expense to average assets | 2.3672% | 4,667 |
| Loan and lease loss provision to assets | 0.3410% | 393 |
| Net operating income to assets | 0.4621% | 4,934 |
| Return on assets (ROA) | 0.4621% | 5,027 |
| Pretax return on assets | 0.7558% | 4,469 |
| Return on Equity (ROE) | 4.1179% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.1179% | 3,404 |
| Net charge-offs to loans | 0.4024% | 646 |
| Credit loss provision to net charge-offs | 126.7427% | 1,733 |
| Earnings coverage of net charge-offs (x) | 4.0760% | 3,093 |
| Efficiency ratio | 68.3371% | 3,628 |
| Assets per employee ($millions) | 8.0311% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 4,674 |
| Loan loss allowance to noncurrent loans | 32.7346% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 2.3872% | 824 |
| Noncurrent loans to loans | 3.1676% | 599 |
| Net loans and leases to total assets | 69.4869% | 2,410 |
| Net loans and leases to deposits | 79.5378% | 2,849 |
| Net loans and leases to core deposits | 83.0773% | 3,074 |
| Total domestic deposits to total assets | 87.3634% | 1,984 |
| Equity capital to assets | 11.4520% | 2,457 |
| Core capital (leverage) ratio | 9.6619% | 4,056 |
| Tier 1 risk-based capital ratio | 13.0874% | 4,468 |
| Total risk-based capital ratio | 14.1512% | 4,492 |
| Memoranda: | ||
| Average total assets | $586,425,330 | 1,172 |
| Average earning assets | $552,508,000 | 1,139 |
| Average equity | $65,811,000 | 1,163 |
| Average total loans | $392,189,000 | 1,175 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,591 |
| Cost of funding earning assets | 0.4080% | 3,221 |
| Net interest margin | 3.2234% | 4,512 |
| Noninterest income to average assets | 0.3753% | 4,199 |
| Noninterest expense to average assets | 2.4358% | 4,489 |
| Loan and lease loss provision to assets | 0.3387% | 395 |
| Net operating income to assets | 0.3854% | 5,128 |
| Return on assets (ROA) | 0.3854% | 5,245 |
| Pretax return on assets | 0.6300% | 4,836 |
| Return on Equity (ROE) | 3.4692% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.4692% | 3,916 |
| Net charge-offs to loans | 0.4641% | 533 |
| Credit loss provision to net charge-offs | 111.8568% | 1,498 |
| Earnings coverage of net charge-offs (x) | 3.1991% | 2,641 |
| Efficiency ratio | 71.5480% | 3,239 |
| Assets per employee ($millions) | 7.9804% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 4,778 |
| Loan loss allowance to noncurrent loans | 32.8576% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 2.2479% | 1,010 |
| Noncurrent loans to loans | 3.1866% | 643 |
| Net loans and leases to total assets | 64.8450% | 2,968 |
| Net loans and leases to deposits | 73.7861% | 3,341 |
| Net loans and leases to core deposits | 76.9691% | 3,494 |
| Total domestic deposits to total assets | 87.8823% | 1,891 |
| Equity capital to assets | 11.1965% | 2,757 |
| Core capital (leverage) ratio | 9.3637% | 4,481 |
| Tier 1 risk-based capital ratio | 12.9114% | 4,655 |
| Total risk-based capital ratio | 13.9571% | 4,702 |
| Memoranda: | ||
| Average total assets | $590,518,000 | 1,171 |
| Average earning assets | $554,946,000 | 1,139 |
| Average equity | $65,606,500 | 1,169 |
| Average total loans | $385,278,000 | 1,201 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 4,466 |
| Cost of funding earning assets | 0.4846% | 2,836 |
| Net interest margin | 3.3235% | 4,495 |
| Noninterest income to average assets | 0.3351% | 4,713 |
| Noninterest expense to average assets | 2.4073% | 4,824 |
| Loan and lease loss provision to assets | 0.5194% | 287 |
| Net operating income to assets | 0.3211% | 5,464 |
| Return on assets (ROA) | 0.3211% | 5,533 |
| Pretax return on assets | 0.5233% | 5,188 |
| Return on Equity (ROE) | 3.3513% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.3513% | 3,828 |
| Net charge-offs to loans | 1.5425% | 155 |
| Credit loss provision to net charge-offs | 49.5090% | 3,490 |
| Earnings coverage of net charge-offs (x) | 0.9939% | 4,519 |
| Efficiency ratio | 69.7770% | 3,568 |
| Assets per employee ($millions) | 8.4355% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 4,839 |
| Loan loss allowance to noncurrent loans | 31.2251% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 2.3543% | 997 |
| Noncurrent loans to loans | 3.3390% | 637 |
| Net loans and leases to total assets | 64.2798% | 3,182 |
| Net loans and leases to deposits | 72.9687% | 3,557 |
| Net loans and leases to core deposits | 76.4379% | 3,659 |
| Total domestic deposits to total assets | 88.0922% | 1,725 |
| Equity capital to assets | 11.0235% | 2,873 |
| Core capital (leverage) ratio | 8.9063% | 5,111 |
| Tier 1 risk-based capital ratio | 13.0797% | 4,673 |
| Total risk-based capital ratio | 14.1620% | 4,705 |
| Memoranda: | ||
| Average total assets | $582,447,600 | 1,134 |
| Average earning assets | $545,866,800 | 1,104 |
| Average equity | $55,799,600 | 1,308 |
| Average total loans | $396,116,400 | 1,114 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 4,433 |
| Cost of funding earning assets | 0.4976% | 2,791 |
| Net interest margin | 3.3333% | 4,496 |
| Noninterest income to average assets | 0.3390% | 4,722 |
| Noninterest expense to average assets | 2.3632% | 4,932 |
| Loan and lease loss provision to assets | 0.5226% | 283 |
| Net operating income to assets | 0.3521% | 5,419 |
| Return on assets (ROA) | 0.3521% | 5,493 |
| Pretax return on assets | 0.5754% | 5,108 |
| Return on Equity (ROE) | 3.8221% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.8221% | 3,932 |
| Net charge-offs to loans | 1.5241% | 155 |
| Credit loss provision to net charge-offs | 49.8466% | 3,105 |
| Earnings coverage of net charge-offs (x) | 1.0473% | 4,251 |
| Efficiency ratio | 68.2771% | 3,812 |
| Assets per employee ($millions) | 8.1000% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,074 |
| Loan loss allowance to noncurrent loans | 40.4471% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.1798% | 1,270 |
| Noncurrent loans to loans | 3.0400% | 873 |
| Net loans and leases to total assets | 65.1403% | 3,004 |
| Net loans and leases to deposits | 74.4339% | 3,384 |
| Net loans and leases to core deposits | 78.3316% | 3,510 |
| Total domestic deposits to total assets | 87.5143% | 2,025 |
| Equity capital to assets | 10.8740% | 3,095 |
| Core capital (leverage) ratio | 8.6920% | 5,448 |
| Tier 1 risk-based capital ratio | 12.5953% | 5,116 |
| Total risk-based capital ratio | 13.8454% | 5,037 |
| Memoranda: | ||
| Average total assets | $580,438,000 | 1,149 |
| Average earning assets | $543,678,750 | 1,116 |
| Average equity | $53,476,500 | 1,370 |
| Average total loans | $399,255,000 | 1,102 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 4,397 |
| Cost of funding earning assets | 0.5083% | 2,747 |
| Net interest margin | 3.3252% | 4,486 |
| Noninterest income to average assets | 0.3256% | 4,805 |
| Noninterest expense to average assets | 2.4268% | 4,806 |
| Loan and lease loss provision to assets | 0.5288% | 277 |
| Net operating income to assets | 0.2958% | 5,578 |
| Return on assets (ROA) | 0.2958% | 5,648 |
| Pretax return on assets | 0.4823% | 5,325 |
| Return on Equity (ROE) | 3.4209% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.4209% | 4,021 |
| Net charge-offs to loans | 1.6707% | 150 |
| Credit loss provision to net charge-offs | 45.3734% | 2,860 |
| Earnings coverage of net charge-offs (x) | 0.8676% | 3,950 |
| Efficiency ratio | 70.5900% | 3,555 |
| Assets per employee ($millions) | 8.0727% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 3,753 |
| Loan loss allowance to noncurrent loans | 38.2647% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 2.4116% | 1,194 |
| Noncurrent loans to loans | 3.4499% | 776 |
| Net loans and leases to total assets | 67.4943% | 2,501 |
| Net loans and leases to deposits | 76.9173% | 2,941 |
| Net loans and leases to core deposits | 81.2119% | 3,076 |
| Total domestic deposits to total assets | 87.7492% | 2,059 |
| Equity capital to assets | 10.9652% | 2,913 |
| Core capital (leverage) ratio | 8.9748% | 5,056 |
| Tier 1 risk-based capital ratio | 12.0492% | 5,514 |
| Total risk-based capital ratio | 13.3004% | 5,449 |
| Memoranda: | ||
| Average total assets | $576,816,670 | 1,144 |
| Average earning assets | $539,884,670 | 1,120 |
| Average equity | $49,869,330 | 1,448 |
| Average total loans | $402,349,670 | 1,087 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 4,387 |
| Cost of funding earning assets | 0.5207% | 2,707 |
| Net interest margin | 3.3040% | 4,521 |
| Noninterest income to average assets | 0.2896% | 5,057 |
| Noninterest expense to average assets | 2.4288% | 4,849 |
| Loan and lease loss provision to assets | 0.5221% | 275 |
| Net operating income to assets | 0.2673% | 5,604 |
| Return on assets (ROA) | 0.2673% | 5,648 |
| Pretax return on assets | 0.4351% | 5,347 |
| Return on Equity (ROE) | 3.5773% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.5773% | 3,985 |
| Net charge-offs to loans | 1.4794% | 215 |
| Credit loss provision to net charge-offs | 50.1002% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.9185% | 3,233 |
| Efficiency ratio | 71.7311% | 3,537 |
| Assets per employee ($millions) | 7.7582% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 2,787 |
| Loan loss allowance to noncurrent loans | 36.2156% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 3.1498% | 870 |
| Noncurrent loans to loans | 4.3663% | 579 |
| Net loans and leases to total assets | 69.6420% | 1,956 |
| Net loans and leases to deposits | 76.6645% | 2,734 |
| Net loans and leases to core deposits | 80.8945% | 2,863 |
| Total domestic deposits to total assets | 90.8400% | 627 |
| Equity capital to assets | 7.6174% | 6,271 |
| Core capital (leverage) ratio | 5.3757% | 6,632 |
| Tier 1 risk-based capital ratio | 7.2643% | 6,647 |
| Total risk-based capital ratio | 8.5190% | 6,647 |
| Memoranda: | ||
| Average total assets | $574,606,500 | 1,158 |
| Average earning assets | $538,505,500 | 1,137 |
| Average equity | $42,937,000 | 1,655 |
| Average total loans | $404,749,500 | 1,083 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 3,869 |
| Cost of funding earning assets | 0.7459% | 1,523 |
| Net interest margin | 3.3182% | 4,596 |
| Noninterest income to average assets | -0.0392% | 6,686 |
| Noninterest expense to average assets | 2.1887% | 5,657 |
| Loan and lease loss provision to assets | 4.1590% | 10 |
| Net operating income to assets | -1.9794% | 6,715 |
| Return on assets (ROA) | -1.9604% | 6,712 |
| Pretax return on assets | -3.2465% | 6,766 |
| Return on Equity (ROE) | -24.7930% | 6,704 |
| Retained earnings to average equity (ytd only) | -24.7930% | 6,695 |
| Net charge-offs to loans | 6.6726% | 13 |
| Credit loss provision to net charge-offs | 84.8738% | 2,900 |
| Earnings coverage of net charge-offs (x) | 0.1802% | 5,023 |
| Efficiency ratio | 71.2569% | 3,622 |
| Assets per employee ($millions) | 7.5696% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7331% | 2,291 |
| Loan loss allowance to noncurrent loans | 50.7377% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.4608% | 1,404 |
| Noncurrent loans to loans | 3.4158% | 936 |
| Net loans and leases to total assets | 68.9117% | 2,189 |
| Net loans and leases to deposits | 75.8344% | 2,984 |
| Net loans and leases to core deposits | 82.5572% | 2,826 |
| Total domestic deposits to total assets | 90.8713% | 625 |
| Equity capital to assets | 7.3316% | 6,353 |
| Core capital (leverage) ratio | 4.9843% | 6,717 |
| Tier 1 risk-based capital ratio | 6.9164% | 6,734 |
| Total risk-based capital ratio | 8.1730% | 6,734 |
| Memoranda: | ||
| Average total assets | $617,774,600 | 1,080 |
| Average earning assets | $579,144,200 | 1,056 |
| Average equity | $48,848,400 | 1,445 |
| Average total loans | $453,674,000 | 939 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 3,717 |
| Cost of funding earning assets | 0.8062% | 1,288 |
| Net interest margin | 3.3043% | 4,618 |
| Noninterest income to average assets | -0.1368% | 6,819 |
| Noninterest expense to average assets | 2.0905% | 5,851 |
| Loan and lease loss provision to assets | 5.3934% | 4 |
| Net operating income to assets | -2.7379% | 6,834 |
| Return on assets (ROA) | -2.7130% | 6,832 |
| Pretax return on assets | -4.4834% | 6,874 |
| Return on Equity (ROE) | -33.7393% | 6,826 |
| Retained earnings to average equity (ytd only) | -33.7393% | 6,822 |
| Net charge-offs to loans | 8.4666% | 8 |
| Credit loss provision to net charge-offs | 85.8445% | 2,717 |
| Earnings coverage of net charge-offs (x) | 0.1386% | 4,818 |
| Efficiency ratio | 70.5878% | 3,659 |
| Assets per employee ($millions) | 7.4446% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 2,568 |
| Loan loss allowance to noncurrent loans | 41.0780% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 3.4618% | 987 |
| Noncurrent loans to loans | 4.1824% | 828 |
| Net loans and leases to total assets | 73.7276% | 1,327 |
| Net loans and leases to deposits | 81.3234% | 2,226 |
| Net loans and leases to core deposits | 90.0135% | 1,964 |
| Total domestic deposits to total assets | 90.6598% | 679 |
| Equity capital to assets | 7.2692% | 6,471 |
| Core capital (leverage) ratio | 4.8876% | 6,790 |
| Tier 1 risk-based capital ratio | 6.2908% | 6,818 |
| Total risk-based capital ratio | 7.5468% | 6,819 |
| Memoranda: | ||
| Average total assets | $626,502,750 | 1,071 |
| Average earning assets | $587,457,000 | 1,049 |
| Average equity | $50,377,250 | 1,417 |
| Average total loans | $464,906,500 | 918 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,938 |
| Cost of funding earning assets | 0.8955% | 917 |
| Net interest margin | 3.1502% | 5,123 |
| Noninterest income to average assets | -0.3004% | 6,889 |
| Noninterest expense to average assets | 1.9954% | 6,053 |
| Loan and lease loss provision to assets | 1.2621% | 127 |
| Net operating income to assets | -0.3575% | 6,586 |
| Return on assets (ROA) | -0.3210% | 6,593 |
| Pretax return on assets | -0.5332% | 6,639 |
| Return on Equity (ROE) | -3.8795% | 6,613 |
| Retained earnings to average equity (ytd only) | -3.8795% | 6,386 |
| Net charge-offs to loans | 1.8775% | 243 |
| Credit loss provision to net charge-offs | 90.8887% | 2,423 |
| Earnings coverage of net charge-offs (x) | 0.4838% | 4,374 |
| Efficiency ratio | 74.8101% | 2,972 |
| Assets per employee ($millions) | 7.5054% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4113% | 1,080 |
| Loan loss allowance to noncurrent loans | 40.7331% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 5.1804% | 582 |
| Noncurrent loans to loans | 5.9198% | 488 |
| Net loans and leases to total assets | 78.8323% | 659 |
| Net loans and leases to deposits | 88.7797% | 1,256 |
| Net loans and leases to core deposits | 98.6563% | 1,163 |
| Total domestic deposits to total assets | 88.7954% | 1,736 |
| Equity capital to assets | 9.1778% | 5,021 |
| Core capital (leverage) ratio | 8.2579% | 5,945 |
| Tier 1 risk-based capital ratio | 10.5026% | 6,502 |
| Total risk-based capital ratio | 11.7671% | 6,473 |
| Memoranda: | ||
| Average total assets | $641,776,670 | 1,048 |
| Average earning assets | $604,593,670 | 1,018 |
| Average equity | $53,099,330 | 1,353 |
| Average total loans | $474,673,330 | 891 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 4,884 |
| Cost of funding earning assets | 0.9513% | 781 |
| Net interest margin | 2.8305% | 5,971 |
| Noninterest income to average assets | -0.0517% | 6,900 |
| Noninterest expense to average assets | 1.9255% | 6,243 |
| Loan and lease loss provision to assets | 1.0687% | 162 |
| Net operating income to assets | -0.2226% | 6,529 |
| Return on assets (ROA) | -0.2226% | 6,568 |
| Pretax return on assets | -0.3711% | 6,625 |
| Return on Equity (ROE) | -2.8233% | 6,601 |
| Retained earnings to average equity (ytd only) | -2.8233% | 6,169 |
| Net charge-offs to loans | 1.7802% | 276 |
| Credit loss provision to net charge-offs | 84.5070% | 2,101 |
| Earnings coverage of net charge-offs (x) | 0.5516% | 3,635 |
| Efficiency ratio | 73.4043% | 3,368 |
| Assets per employee ($millions) | 8.5677% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3788% | 1,279 |
| Loan loss allowance to noncurrent loans | 43.4181% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 4.7529% | 782 |
| Noncurrent loans to loans | 5.4789% | 658 |
| Net loans and leases to total assets | 73.3547% | 1,159 |
| Net loans and leases to deposits | 81.9741% | 1,835 |
| Net loans and leases to core deposits | 97.0004% | 1,145 |
| Total domestic deposits to total assets | 89.4852% | 1,363 |
| Equity capital to assets | 8.4219% | 6,080 |
| Core capital (leverage) ratio | 8.2422% | 5,889 |
| Tier 1 risk-based capital ratio | 11.1104% | 6,356 |
| Total risk-based capital ratio | 12.3767% | 6,327 |
| Memoranda: | ||
| Average total assets | $673,708,000 | 1,003 |
| Average earning assets | $636,636,000 | 967 |
| Average equity | $53,129,000 | 1,367 |
| Average total loans | $478,590,000 | 886 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 5,415 |
| Cost of funding earning assets | 1.1209% | 840 |
| Net interest margin | 2.8393% | 6,337 |
| Noninterest income to average assets | -0.0999% | 6,917 |
| Noninterest expense to average assets | 1.8369% | 6,575 |
| Loan and lease loss provision to assets | 3.5835% | 23 |
| Net operating income to assets | -1.7125% | 6,901 |
| Return on assets (ROA) | -1.7125% | 6,912 |
| Pretax return on assets | -2.8213% | 7,003 |
| Return on Equity (ROE) | -21.1421% | 6,895 |
| Retained earnings to average equity (ytd only) | -21.1421% | 6,866 |
| Net charge-offs to loans | 4.6101% | 42 |
| Credit loss provision to net charge-offs | 108.4892% | 2,714 |
| Earnings coverage of net charge-offs (x) | 0.2307% | 5,361 |
| Efficiency ratio | 70.6761% | 3,678 |
| Assets per employee ($millions) | 9.7727% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4259% | 1,200 |
| Loan loss allowance to noncurrent loans | 39.8231% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 4.5657% | 903 |
| Noncurrent loans to loans | 6.0917% | 585 |
| Net loans and leases to total assets | 65.7561% | 2,564 |
| Net loans and leases to deposits | 72.7396% | 3,297 |
| Net loans and leases to core deposits | 96.5769% | 1,258 |
| Total domestic deposits to total assets | 90.3993% | 753 |
| Equity capital to assets | 7.4098% | 6,666 |
| Core capital (leverage) ratio | 7.4980% | 6,506 |
| Tier 1 risk-based capital ratio | 10.8024% | 6,426 |
| Total risk-based capital ratio | 12.0689% | 6,392 |
| Memoranda: | ||
| Average total assets | $710,762,400 | 926 |
| Average earning assets | $675,619,600 | 889 |
| Average equity | $57,572,400 | 1,234 |
| Average total loans | $509,254,200 | 813 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 5,376 |
| Cost of funding earning assets | 1.1210% | 979 |
| Net interest margin | 2.9241% | 6,312 |
| Noninterest income to average assets | 0.0633% | 6,755 |
| Noninterest expense to average assets | 1.8688% | 6,581 |
| Loan and lease loss provision to assets | 3.0549% | 37 |
| Net operating income to assets | -1.2574% | 6,919 |
| Return on assets (ROA) | -1.2574% | 6,941 |
| Pretax return on assets | -2.0791% | 7,043 |
| Return on Equity (ROE) | -15.1985% | 6,936 |
| Retained earnings to average equity (ytd only) | -15.1985% | 6,911 |
| Net charge-offs to loans | 4.4285% | 63 |
| Credit loss provision to net charge-offs | 94.8633% | 3,152 |
| Earnings coverage of net charge-offs (x) | 0.3030% | 5,173 |
| Efficiency ratio | 65.6964% | 4,503 |
| Assets per employee ($millions) | 9.6254% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 2,972 |
| Loan loss allowance to noncurrent loans | 23.6817% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 5.7260% | 726 |
| Noncurrent loans to loans | 7.3810% | 472 |
| Net loans and leases to total assets | 69.3595% | 2,045 |
| Net loans and leases to deposits | 77.1426% | 2,787 |
| Net loans and leases to core deposits | 105.0477% | 804 |
| Total domestic deposits to total assets | 89.9108% | 891 |
| Equity capital to assets | 8.0341% | 6,571 |
| Core capital (leverage) ratio | 8.1912% | 6,156 |
| Tier 1 risk-based capital ratio | 11.3283% | 6,340 |
| Total risk-based capital ratio | 12.5872% | 6,300 |
| Memoranda: | ||
| Average total assets | $710,101,750 | 934 |
| Average earning assets | $675,429,750 | 900 |
| Average equity | $58,750,000 | 1,211 |
| Average total loans | $516,375,250 | 810 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 5,255 |
| Cost of funding earning assets | 1.1137% | 1,156 |
| Net interest margin | 3.0034% | 6,238 |
| Noninterest income to average assets | 0.1283% | 6,547 |
| Noninterest expense to average assets | 1.8887% | 6,616 |
| Loan and lease loss provision to assets | 3.0365% | 61 |
| Net operating income to assets | -1.1729% | 6,951 |
| Return on assets (ROA) | -1.1729% | 6,968 |
| Pretax return on assets | -1.9394% | 7,060 |
| Return on Equity (ROE) | -14.0402% | 6,968 |
| Retained earnings to average equity (ytd only) | -14.0402% | 6,925 |
| Net charge-offs to loans | 4.5629% | 88 |
| Credit loss provision to net charge-offs | 90.6261% | 3,030 |
| Earnings coverage of net charge-offs (x) | 0.3274% | 4,913 |
| Efficiency ratio | 63.2578% | 5,037 |
| Assets per employee ($millions) | 9.5826% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 3,243 |
| Loan loss allowance to noncurrent loans | 18.8015% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 7.2624% | 517 |
| Noncurrent loans to loans | 9.0225% | 339 |
| Net loans and leases to total assets | 69.9206% | 1,936 |
| Net loans and leases to deposits | 78.1168% | 2,651 |
| Net loans and leases to core deposits | 109.5367% | 591 |
| Total domestic deposits to total assets | 89.5078% | 1,214 |
| Equity capital to assets | 8.3668% | 6,329 |
| Core capital (leverage) ratio | 8.7144% | 5,355 |
| Tier 1 risk-based capital ratio | 11.7541% | 6,086 |
| Total risk-based capital ratio | 13.0121% | 6,063 |
| Memoranda: | ||
| Average total assets | $709,377,000 | 939 |
| Average earning assets | $674,897,000 | 901 |
| Average equity | $59,258,330 | 1,201 |
| Average total loans | $520,893,670 | 793 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 5,233 |
| Cost of funding earning assets | 1.1080% | 1,362 |
| Net interest margin | 3.0554% | 6,166 |
| Noninterest income to average assets | 0.0474% | 6,938 |
| Noninterest expense to average assets | 1.9664% | 6,524 |
| Loan and lease loss provision to assets | 4.3805% | 28 |
| Net operating income to assets | -2.0510% | 7,158 |
| Return on assets (ROA) | -2.0510% | 7,163 |
| Pretax return on assets | -3.3894% | 7,228 |
| Return on Equity (ROE) | -24.5717% | 7,141 |
| Retained earnings to average equity (ytd only) | -24.5717% | 7,094 |
| Net charge-offs to loans | 6.1283% | 62 |
| Credit loss provision to net charge-offs | 95.8431% | 2,441 |
| Earnings coverage of net charge-offs (x) | 0.2168% | 4,259 |
| Efficiency ratio | 66.4888% | 4,466 |
| Assets per employee ($millions) | 9.6166% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 2,994 |
| Loan loss allowance to noncurrent loans | 19.6712% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 7.5615% | 530 |
| Noncurrent loans to loans | 9.1481% | 363 |
| Net loans and leases to total assets | 71.5681% | 1,474 |
| Net loans and leases to deposits | 79.7557% | 2,236 |
| Net loans and leases to core deposits | 111.3389% | 485 |
| Total domestic deposits to total assets | 89.7341% | 1,226 |
| Equity capital to assets | 8.0834% | 6,457 |
| Core capital (leverage) ratio | 8.4602% | 5,657 |
| Tier 1 risk-based capital ratio | 11.2049% | 6,443 |
| Total risk-based capital ratio | 12.4633% | 6,417 |
| Memoranda: | ||
| Average total assets | $709,508,500 | 938 |
| Average earning assets | $675,797,500 | 899 |
| Average equity | $59,222,500 | 1,199 |
| Average total loans | $529,154,000 | 789 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 4,385 |
| Cost of funding earning assets | 1.1224% | 2,524 |
| Net interest margin | 3.5447% | 4,964 |
| Noninterest income to average assets | 0.2121% | 6,000 |
| Noninterest expense to average assets | 1.8209% | 6,932 |
| Loan and lease loss provision to assets | 2.3505% | 202 |
| Net operating income to assets | -0.3424% | 6,376 |
| Return on assets (ROA) | -0.2978% | 6,391 |
| Pretax return on assets | -0.4996% | 6,494 |
| Return on Equity (ROE) | -3.3483% | 6,433 |
| Retained earnings to average equity (ytd only) | -3.3483% | 6,316 |
| Net charge-offs to loans | 2.8236% | 371 |
| Credit loss provision to net charge-offs | 102.2492% | 3,390 |
| Earnings coverage of net charge-offs (x) | 0.7749% | 5,217 |
| Efficiency ratio | 50.5498% | 6,800 |
| Assets per employee ($millions) | 9.4318% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 2,896 |
| Loan loss allowance to noncurrent loans | 21.4446% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 7.2265% | 628 |
| Noncurrent loans to loans | 8.3556% | 460 |
| Net loans and leases to total assets | 74.9243% | 1,100 |
| Net loans and leases to deposits | 84.5377% | 1,855 |
| Net loans and leases to core deposits | 119.8681% | 357 |
| Total domestic deposits to total assets | 88.6283% | 1,767 |
| Equity capital to assets | 8.6121% | 6,001 |
| Core capital (leverage) ratio | 9.0054% | 4,778 |
| Tier 1 risk-based capital ratio | 11.5506% | 6,130 |
| Total risk-based capital ratio | 12.8091% | 6,110 |
| Memoranda: | ||
| Average total assets | $694,335,000 | 941 |
| Average earning assets | $664,039,200 | 895 |
| Average equity | $61,762,000 | 1,093 |
| Average total loans | $565,265,400 | 747 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 4,318 |
| Cost of funding earning assets | 1.1268% | 2,787 |
| Net interest margin | 3.6040% | 4,750 |
| Noninterest income to average assets | 0.2682% | 5,698 |
| Noninterest expense to average assets | 1.8921% | 6,857 |
| Loan and lease loss provision to assets | 2.5342% | 176 |
| Net operating income to assets | -0.4278% | 6,599 |
| Return on assets (ROA) | -0.3841% | 6,620 |
| Pretax return on assets | -0.6409% | 6,700 |
| Return on Equity (ROE) | -4.2835% | 6,643 |
| Retained earnings to average equity (ytd only) | -4.2835% | 6,537 |
| Net charge-offs to loans | 3.1514% | 287 |
| Credit loss provision to net charge-offs | 97.2099% | 3,523 |
| Earnings coverage of net charge-offs (x) | 0.7000% | 5,102 |
| Efficiency ratio | 50.9031% | 6,770 |
| Assets per employee ($millions) | 9.4809% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 3,643 |
| Loan loss allowance to noncurrent loans | 18.0197% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 7.8995% | 566 |
| Noncurrent loans to loans | 8.9038% | 444 |
| Net loans and leases to total assets | 77.0528% | 834 |
| Net loans and leases to deposits | 86.5490% | 1,618 |
| Net loans and leases to core deposits | 119.5853% | 399 |
| Total domestic deposits to total assets | 89.0279% | 1,420 |
| Equity capital to assets | 8.5739% | 6,226 |
| Core capital (leverage) ratio | 9.1697% | 4,676 |
| Tier 1 risk-based capital ratio | 11.1645% | 6,452 |
| Total risk-based capital ratio | 12.4216% | 6,433 |
| Memoranda: | ||
| Average total assets | $691,072,250 | 951 |
| Average earning assets | $661,315,250 | 902 |
| Average equity | $61,972,250 | 1,093 |
| Average total loans | $571,663,250 | 749 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 4,187 |
| Cost of funding earning assets | 1.1358% | 2,993 |
| Net interest margin | 3.6419% | 4,554 |
| Noninterest income to average assets | 0.3279% | 5,272 |
| Noninterest expense to average assets | 1.9246% | 6,916 |
| Loan and lease loss provision to assets | 2.9617% | 157 |
| Net operating income to assets | -0.6353% | 6,780 |
| Return on assets (ROA) | -0.6353% | 6,787 |
| Pretax return on assets | -1.0660% | 6,917 |
| Return on Equity (ROE) | -6.9783% | 6,827 |
| Retained earnings to average equity (ytd only) | -6.9783% | 6,720 |
| Net charge-offs to loans | 2.8591% | 378 |
| Credit loss provision to net charge-offs | 122.9528% | 2,479 |
| Earnings coverage of net charge-offs (x) | 0.7870% | 4,711 |
| Efficiency ratio | 50.3786% | 6,911 |
| Assets per employee ($millions) | 8.6897% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 2,427 |
| Loan loss allowance to noncurrent loans | 30.9031% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 6.1309% | 910 |
| Noncurrent loans to loans | 6.4045% | 884 |
| Net loans and leases to total assets | 81.8586% | 380 |
| Net loans and leases to deposits | 93.1347% | 934 |
| Net loans and leases to core deposits | 129.6691% | 278 |
| Total domestic deposits to total assets | 87.8927% | 2,217 |
| Equity capital to assets | 9.0278% | 5,542 |
| Core capital (leverage) ratio | 9.3336% | 4,199 |
| Tier 1 risk-based capital ratio | 11.1352% | 6,423 |
| Total risk-based capital ratio | 12.3962% | 6,412 |
| Memoranda: | ||
| Average total assets | $684,407,330 | 968 |
| Average earning assets | $656,299,670 | 921 |
| Average equity | $62,307,670 | 1,083 |
| Average total loans | $576,607,330 | 752 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 4,025 |
| Cost of funding earning assets | 1.1334% | 3,278 |
| Net interest margin | 3.6746% | 4,227 |
| Noninterest income to average assets | 0.2769% | 5,691 |
| Noninterest expense to average assets | 1.9310% | 6,936 |
| Loan and lease loss provision to assets | 3.2368% | 143 |
| Net operating income to assets | -0.7968% | 6,960 |
| Return on assets (ROA) | -0.7968% | 6,968 |
| Pretax return on assets | -1.3610% | 7,117 |
| Return on Equity (ROE) | -8.7169% | 6,986 |
| Retained earnings to average equity (ytd only) | -8.7169% | 6,802 |
| Net charge-offs to loans | 1.5501% | 874 |
| Credit loss provision to net charge-offs | 246.7849% | 1,273 |
| Earnings coverage of net charge-offs (x) | 1.4302% | 3,632 |
| Efficiency ratio | 50.7257% | 6,938 |
| Assets per employee ($millions) | 9.0434% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 2,012 |
| Loan loss allowance to noncurrent loans | 32.4639% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 6.0646% | 946 |
| Noncurrent loans to loans | 6.7162% | 863 |
| Net loans and leases to total assets | 82.3848% | 314 |
| Net loans and leases to deposits | 92.8556% | 935 |
| Net loans and leases to core deposits | 136.1284% | 221 |
| Total domestic deposits to total assets | 88.7235% | 1,940 |
| Equity capital to assets | 9.0589% | 5,115 |
| Core capital (leverage) ratio | 9.3725% | 4,012 |
| Tier 1 risk-based capital ratio | 11.0553% | 6,470 |
| Total risk-based capital ratio | 12.3179% | 6,438 |
| Memoranda: | ||
| Average total assets | $687,712,000 | 970 |
| Average earning assets | $660,639,000 | 921 |
| Average equity | $62,866,500 | 1,069 |
| Average total loans | $581,891,500 | 748 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 3,917 |
| Cost of funding earning assets | 1.1629% | 4,776 |
| Net interest margin | 3.9749% | 3,124 |
| Noninterest income to average assets | 0.3351% | 5,388 |
| Noninterest expense to average assets | 1.8374% | 7,229 |
| Loan and lease loss provision to assets | 2.6728% | 393 |
| Net operating income to assets | -0.1963% | 6,114 |
| Return on assets (ROA) | -0.1963% | 6,161 |
| Pretax return on assets | -0.3531% | 6,201 |
| Return on Equity (ROE) | -2.1289% | 6,184 |
| Retained earnings to average equity (ytd only) | -2.8017% | 6,082 |
| Net charge-offs to loans | 2.6279% | 694 |
| Credit loss provision to net charge-offs | 120.4003% | 3,503 |
| Earnings coverage of net charge-offs (x) | 1.0449% | 5,063 |
| Efficiency ratio | 44.1997% | 7,410 |
| Assets per employee ($millions) | 9.0543% | 327 |
| Cash dividends to net income (ytd only)* | -31.6058% | 7,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 3,605 |
| Loan loss allowance to noncurrent loans | 34.0352% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 4.4243% | 1,506 |
| Noncurrent loans to loans | 4.6770% | 1,491 |
| Net loans and leases to total assets | 83.6506% | 334 |
| Net loans and leases to deposits | 95.0062% | 952 |
| Net loans and leases to core deposits | 134.0274% | 281 |
| Total domestic deposits to total assets | 88.0475% | 2,219 |
| Equity capital to assets | 9.2238% | 4,799 |
| Core capital (leverage) ratio | 9.6317% | 3,509 |
| Tier 1 risk-based capital ratio | 11.1505% | 6,213 |
| Total risk-based capital ratio | 12.4052% | 6,187 |
| Memoranda: | ||
| Average total assets | $697,761,600 | 954 |
| Average earning assets | $670,936,600 | 911 |
| Average equity | $64,353,200 | 1,037 |
| Average total loans | $589,437,000 | 758 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 4,169 |
| Cost of funding earning assets | 1.1749% | 5,007 |
| Net interest margin | 3.9555% | 3,306 |
| Noninterest income to average assets | 0.3251% | 5,554 |
| Noninterest expense to average assets | 1.8441% | 7,277 |
| Loan and lease loss provision to assets | 2.8373% | 325 |
| Net operating income to assets | -0.3258% | 6,454 |
| Return on assets (ROA) | -0.3258% | 6,503 |
| Pretax return on assets | -0.5526% | 6,588 |
| Return on Equity (ROE) | -3.5328% | 6,539 |
| Retained earnings to average equity (ytd only) | -4.4269% | 6,506 |
| Net charge-offs to loans | 2.8849% | 556 |
| Credit loss provision to net charge-offs | 116.6067% | 3,570 |
| Earnings coverage of net charge-offs (x) | 0.9390% | 5,123 |
| Efficiency ratio | 44.6638% | 7,442 |
| Assets per employee ($millions) | 9.1651% | 332 |
| Cash dividends to net income (ytd only)* | -25.3068% | 7,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 4,430 |
| Loan loss allowance to noncurrent loans | 29.5517% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 4.1430% | 1,662 |
| Noncurrent loans to loans | 4.7563% | 1,481 |
| Net loans and leases to total assets | 83.3135% | 380 |
| Net loans and leases to deposits | 94.7002% | 1,127 |
| Net loans and leases to core deposits | 135.9590% | 302 |
| Total domestic deposits to total assets | 87.9761% | 1,972 |
| Equity capital to assets | 9.0305% | 5,535 |
| Core capital (leverage) ratio | 9.4221% | 4,028 |
| Tier 1 risk-based capital ratio | 11.0356% | 6,340 |
| Total risk-based capital ratio | 12.2896% | 6,321 |
| Memoranda: | ||
| Average total assets | $700,170,750 | 955 |
| Average earning assets | $673,300,500 | 913 |
| Average equity | $64,573,750 | 1,036 |
| Average total loans | $590,563,250 | 761 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 4,322 |
| Cost of funding earning assets | 1.1892% | 5,190 |
| Net interest margin | 3.9353% | 3,296 |
| Noninterest income to average assets | 0.3102% | 5,682 |
| Noninterest expense to average assets | 1.8452% | 7,337 |
| Loan and lease loss provision to assets | 3.2222% | 295 |
| Net operating income to assets | -0.5732% | 6,722 |
| Return on assets (ROA) | -0.5732% | 6,752 |
| Pretax return on assets | -0.9789% | 6,879 |
| Return on Equity (ROE) | -6.1722% | 6,781 |
| Retained earnings to average equity (ytd only) | -7.5018% | 6,778 |
| Net charge-offs to loans | 3.0050% | 525 |
| Credit loss provision to net charge-offs | 127.2093% | 3,159 |
| Earnings coverage of net charge-offs (x) | 0.8856% | 4,885 |
| Efficiency ratio | 45.1318% | 7,477 |
| Assets per employee ($millions) | 8.3432% | 439 |
| Cash dividends to net income (ytd only)* | -21.5423% | 7,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 4,180 |
| Loan loss allowance to noncurrent loans | 28.4661% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 4.4991% | 1,479 |
| Noncurrent loans to loans | 5.0917% | 1,348 |
| Net loans and leases to total assets | 85.1535% | 283 |
| Net loans and leases to deposits | 97.3445% | 932 |
| Net loans and leases to core deposits | 139.7065% | 291 |
| Total domestic deposits to total assets | 87.4764% | 2,265 |
| Equity capital to assets | 9.2426% | 5,091 |
| Core capital (leverage) ratio | 9.3804% | 3,991 |
| Tier 1 risk-based capital ratio | 11.0741% | 6,156 |
| Total risk-based capital ratio | 12.3289% | 6,142 |
| Memoranda: | ||
| Average total assets | $701,378,670 | 962 |
| Average earning assets | $673,384,330 | 919 |
| Average equity | $65,131,000 | 1,025 |
| Average total loans | $591,220,670 | 759 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 4,926 |
| Cost of funding earning assets | 1.2035% | 5,392 |
| Net interest margin | 3.8173% | 3,716 |
| Noninterest income to average assets | 0.2873% | 5,846 |
| Noninterest expense to average assets | 1.8344% | 7,430 |
| Loan and lease loss provision to assets | 3.8310% | 234 |
| Net operating income to assets | -1.0152% | 7,110 |
| Return on assets (ROA) | -1.0152% | 7,132 |
| Pretax return on assets | -1.7183% | 7,324 |
| Return on Equity (ROE) | -10.9079% | 7,164 |
| Retained earnings to average equity (ytd only) | -13.5290% | 7,147 |
| Net charge-offs to loans | 3.6566% | 378 |
| Credit loss provision to net charge-offs | 125.8094% | 2,794 |
| Earnings coverage of net charge-offs (x) | 0.6938% | 4,410 |
| Efficiency ratio | 46.4745% | 7,527 |
| Assets per employee ($millions) | 9.0237% | 353 |
| Cash dividends to net income (ytd only)* | -24.0289% | 7,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 5,057 |
| Loan loss allowance to noncurrent loans | 37.1450% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 2.9937% | 2,398 |
| Noncurrent loans to loans | 3.4388% | 2,316 |
| Net loans and leases to total assets | 82.8610% | 484 |
| Net loans and leases to deposits | 94.4831% | 1,297 |
| Net loans and leases to core deposits | 143.3237% | 291 |
| Total domestic deposits to total assets | 87.6993% | 2,237 |
| Equity capital to assets | 9.1693% | 5,032 |
| Core capital (leverage) ratio | 9.2895% | 4,073 |
| Tier 1 risk-based capital ratio | 11.0090% | 6,147 |
| Total risk-based capital ratio | 12.2603% | 6,119 |
| Memoranda: | ||
| Average total assets | $709,998,000 | 970 |
| Average earning assets | $680,686,500 | 928 |
| Average equity | $66,080,500 | 1,010 |
| Average total loans | $591,262,500 | 784 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5502% | 3,870 |
| Cost of funding earning assets | 1.5869% | 5,091 |
| Net interest margin | 3.9633% | 3,016 |
| Noninterest income to average assets | 0.4217% | 5,042 |
| Noninterest expense to average assets | 1.8605% | 7,553 |
| Loan and lease loss provision to assets | 0.6691% | 3,139 |
| Net operating income to assets | 1.0603% | 1,627 |
| Return on assets (ROA) | 1.0603% | 1,672 |
| Pretax return on assets | 1.7217% | 742 |
| Return on Equity (ROE) | 10.9072% | 1,452 |
| Retained earnings to average equity (ytd only) | 4.8861% | 1,875 |
| Net charge-offs to loans | 0.6845% | 3,135 |
| Credit loss provision to net charge-offs | 115.5894% | 4,711 |
| Earnings coverage of net charge-offs (x) | 4.1300% | 3,044 |
| Efficiency ratio | 43.7629% | 7,783 |
| Assets per employee ($millions) | 9.1814% | 337 |
| Cash dividends to net income (ytd only)* | 55.2034% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 6,175 |
| Loan loss allowance to noncurrent loans | 44.2327% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.0416% | 3,347 |
| Noncurrent loans to loans | 2.3499% | 3,229 |
| Net loans and leases to total assets | 81.7726% | 723 |
| Net loans and leases to deposits | 93.8353% | 1,611 |
| Net loans and leases to core deposits | 133.0103% | 1,112 |
| Total domestic deposits to total assets | 87.1448% | 2,418 |
| Equity capital to assets | 9.4426% | 4,498 |
| Core capital (leverage) ratio | 9.2695% | 4,023 |
| Tier 1 risk-based capital ratio | 11.2015% | 5,719 |
| Total risk-based capital ratio | 12.2653% | 5,871 |
| Memoranda: | ||
| Average total assets | $681,485,000 | 1,007 |
| Average earning assets | $658,499,200 | 943 |
| Average equity | $66,249,600 | 998 |
| Average total loans | $576,359,200 | 826 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 3,882 |
| Cost of funding earning assets | 1.6465% | 5,178 |
| Net interest margin | 3.9500% | 3,035 |
| Noninterest income to average assets | 0.4479% | 4,911 |
| Noninterest expense to average assets | 1.9171% | 7,518 |
| Loan and lease loss provision to assets | 0.4261% | 3,770 |
| Net operating income to assets | 1.1729% | 1,534 |
| Return on assets (ROA) | 1.1729% | 1,589 |
| Pretax return on assets | 1.9293% | 621 |
| Return on Equity (ROE) | 11.9743% | 1,357 |
| Retained earnings to average equity (ytd only) | 3.9044% | 3,109 |
| Net charge-offs to loans | 0.5247% | 3,112 |
| Credit loss provision to net charge-offs | 95.4283% | 5,328 |
| Earnings coverage of net charge-offs (x) | 5.2756% | 2,878 |
| Efficiency ratio | 44.8701% | 7,806 |
| Assets per employee ($millions) | 9.2696% | 341 |
| Cash dividends to net income (ytd only)* | 67.3931% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 6,651 |
| Loan loss allowance to noncurrent loans | 34.1999% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 2.3165% | 2,959 |
| Noncurrent loans to loans | 2.7069% | 2,800 |
| Net loans and leases to total assets | 80.4168% | 1,104 |
| Net loans and leases to deposits | 92.2843% | 2,193 |
| Net loans and leases to core deposits | 134.4697% | 1,181 |
| Total domestic deposits to total assets | 87.1403% | 2,108 |
| Equity capital to assets | 9.1717% | 5,213 |
| Core capital (leverage) ratio | 9.0569% | 4,565 |
| Tier 1 risk-based capital ratio | 10.9078% | 6,042 |
| Total risk-based capital ratio | 11.8466% | 6,322 |
| Memoranda: | ||
| Average total assets | $672,818,500 | 1,035 |
| Average earning assets | $651,466,750 | 964 |
| Average equity | $65,906,250 | 1,017 |
| Average total loans | $572,507,500 | 850 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6814% | 3,651 |
| Cost of funding earning assets | 1.6759% | 5,388 |
| Net interest margin | 4.0055% | 2,678 |
| Noninterest income to average assets | 0.4941% | 4,495 |
| Noninterest expense to average assets | 1.9793% | 7,497 |
| Loan and lease loss provision to assets | 0.3384% | 3,911 |
| Net operating income to assets | 1.2431% | 1,377 |
| Return on assets (ROA) | 1.2431% | 1,453 |
| Pretax return on assets | 2.0519% | 489 |
| Return on Equity (ROE) | 12.4007% | 1,308 |
| Retained earnings to average equity (ytd only) | 3.6643% | 3,258 |
| Net charge-offs to loans | 0.3509% | 3,432 |
| Credit loss provision to net charge-offs | 111.4458% | 4,154 |
| Earnings coverage of net charge-offs (x) | 7.8725% | 2,370 |
| Efficiency ratio | 45.2979% | 7,875 |
| Assets per employee ($millions) | 9.0366% | 345 |
| Cash dividends to net income (ytd only)* | 70.4512% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 6,474 |
| Loan loss allowance to noncurrent loans | 39.5326% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 3,028 |
| Noncurrent loans to loans | 2.4417% | 2,961 |
| Net loans and leases to total assets | 81.2007% | 1,099 |
| Net loans and leases to deposits | 93.4930% | 2,171 |
| Net loans and leases to core deposits | 132.7392% | 1,383 |
| Total domestic deposits to total assets | 86.8522% | 2,331 |
| Equity capital to assets | 9.2510% | 4,938 |
| Core capital (leverage) ratio | 9.5957% | 3,767 |
| Tier 1 risk-based capital ratio | 10.8349% | 6,047 |
| Total risk-based capital ratio | 11.8128% | 6,268 |
| Memoranda: | ||
| Average total assets | $656,080,670 | 1,092 |
| Average earning assets | $634,770,670 | 1,018 |
| Average equity | $65,770,330 | 1,030 |
| Average total loans | $567,719,330 | 879 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8967% | 2,816 |
| Cost of funding earning assets | 1.7168% | 5,527 |
| Net interest margin | 4.1799% | 1,977 |
| Noninterest income to average assets | 0.3527% | 5,619 |
| Noninterest expense to average assets | 1.9318% | 7,490 |
| Loan and lease loss provision to assets | 0.2296% | 4,153 |
| Net operating income to assets | 1.3515% | 1,254 |
| Return on assets (ROA) | 1.3515% | 1,344 |
| Pretax return on assets | 2.2316% | 413 |
| Return on Equity (ROE) | 12.9139% | 1,416 |
| Retained earnings to average equity (ytd only) | 6.9841% | 2,212 |
| Net charge-offs to loans | 0.1804% | 3,558 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 15.3135% | 1,614 |
| Efficiency ratio | 43.9750% | 7,929 |
| Assets per employee ($millions) | 8.4446% | 427 |
| Cash dividends to net income (ytd only)* | 45.9179% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 6,261 |
| Loan loss allowance to noncurrent loans | 68.6702% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 3,820 |
| Noncurrent loans to loans | 1.4411% | 4,139 |
| Net loans and leases to total assets | 87.9837% | 267 |
| Net loans and leases to deposits | 103.4706% | 1,050 |
| Net loans and leases to core deposits | 151.3163% | 665 |
| Total domestic deposits to total assets | 85.0325% | 3,185 |
| Equity capital to assets | 10.3009% | 3,654 |
| Core capital (leverage) ratio | 10.4270% | 3,004 |
| Tier 1 risk-based capital ratio | 11.4631% | 5,449 |
| Total risk-based capital ratio | 12.4977% | 5,562 |
| Memoranda: | ||
| Average total assets | $627,176,000 | 1,135 |
| Average earning assets | $606,241,500 | 1,060 |
| Average equity | $65,634,500 | 1,034 |
| Average total loans | $558,912,000 | 903 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5981% | 2,502 |
| Cost of funding earning assets | 2.2520% | 5,361 |
| Net interest margin | 4.3461% | 1,835 |
| Noninterest income to average assets | 0.4074% | 5,411 |
| Noninterest expense to average assets | 1.8803% | 7,649 |
| Loan and lease loss provision to assets | 0.2516% | 4,402 |
| Net operating income to assets | 1.4949% | 1,025 |
| Return on assets (ROA) | 1.4949% | 989 |
| Pretax return on assets | 2.4687% | 212 |
| Return on Equity (ROE) | 13.9864% | 1,109 |
| Retained earnings to average equity (ytd only) | 8.0393% | 839 |
| Net charge-offs to loans | 0.1206% | 5,042 |
| Credit loss provision to net charge-offs | 238.9886% | 1,974 |
| Earnings coverage of net charge-offs (x) | 25.8385% | 1,314 |
| Efficiency ratio | 40.8706% | 8,111 |
| Assets per employee ($millions) | 8.2779% | 425 |
| Cash dividends to net income (ytd only)* | 42.5207% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 5,929 |
| Loan loss allowance to noncurrent loans | 215.2411% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 5,884 |
| Noncurrent loans to loans | 0.4698% | 5,936 |
| Net loans and leases to total assets | 88.4765% | 325 |
| Net loans and leases to deposits | 108.6908% | 923 |
| Net loans and leases to core deposits | 162.4987% | 528 |
| Total domestic deposits to total assets | 81.4020% | 4,463 |
| Equity capital to assets | 10.6371% | 3,355 |
| Core capital (leverage) ratio | 10.6191% | 2,887 |
| Tier 1 risk-based capital ratio | 11.5564% | 5,192 |
| Total risk-based capital ratio | 12.5986% | 5,293 |
| Memoranda: | ||
| Average total assets | $582,246,800 | 1,154 |
| Average earning assets | $561,765,800 | 1,097 |
| Average equity | $62,232,000 | 1,079 |
| Average total loans | $508,311,000 | 944 |