Home > TomatoBank > Performance and Condition Ratios
TomatoBank, Performance and Condition Ratios
| 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 | 3.9606% | 3,468 |
| Cost of funding earning assets | 0.6761% | 932 |
| Net interest margin | 3.2845% | 4,355 |
| Noninterest income to average assets | 0.0835% | 5,917 |
| Noninterest expense to average assets | 2.0382% | 5,379 |
| Loan and lease loss provision to assets | -0.1627% | 5,936 |
| Net operating income to assets | 0.8092% | 3,304 |
| Return on assets (ROA) | 0.8092% | 3,378 |
| Pretax return on assets | 1.3815% | 1,975 |
| Return on Equity (ROE) | 5.7396% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.7396% | 1,933 |
| Net charge-offs to loans | -0.6755% | 6,112 |
| Credit loss provision to net charge-offs | 30.9534% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5791% | 4,522 |
| Assets per employee ($millions) | 7.4990% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 654 |
| Loan loss allowance to noncurrent loans | 2,427.1709% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 5,328 |
| Noncurrent loans to loans | 0.0880% | 5,144 |
| Net loans and leases to total assets | 84.0395% | 389 |
| Net loans and leases to deposits | 97.6988% | 842 |
| Net loans and leases to core deposits | 127.9329% | 302 |
| Total domestic deposits to total assets | 86.0190% | 2,631 |
| Equity capital to assets | 13.6777% | 1,050 |
| Core capital (leverage) ratio | 13.1564% | 1,091 |
| Tier 1 risk-based capital ratio | 15.7898% | 2,785 |
| Total risk-based capital ratio | 17.0528% | 2,717 |
| Memoranda: | ||
| Average total assets | $460,949,000 | 1,458 |
| Average earning assets | $445,366,800 | 1,394 |
| Average equity | $64,986,800 | 1,164 |
| Average total loans | $358,705,200 | 1,260 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 3,988 |
| Cost of funding earning assets | 0.6583% | 1,049 |
| Net interest margin | 3.1747% | 4,762 |
| Noninterest income to average assets | 0.0786% | 6,018 |
| Noninterest expense to average assets | 1.9615% | 5,549 |
| Loan and lease loss provision to assets | -0.2183% | 6,110 |
| Net operating income to assets | 0.8211% | 3,329 |
| Return on assets (ROA) | 0.8211% | 3,415 |
| Pretax return on assets | 1.4012% | 2,008 |
| Return on Equity (ROE) | 5.7795% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.7795% | 2,378 |
| Net charge-offs to loans | -0.3378% | 6,106 |
| Credit loss provision to net charge-offs | 85.3242% | 2,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3808% | 4,515 |
| Assets per employee ($millions) | 7.7284% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 1,334 |
| Loan loss allowance to noncurrent loans | 224.3150% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 3,298 |
| Noncurrent loans to loans | 0.7864% | 2,998 |
| Net loans and leases to total assets | 81.4637% | 645 |
| Net loans and leases to deposits | 94.0194% | 1,200 |
| Net loans and leases to core deposits | 123.7731% | 386 |
| Total domestic deposits to total assets | 86.6456% | 2,210 |
| Equity capital to assets | 13.1047% | 1,390 |
| Core capital (leverage) ratio | 13.4648% | 1,030 |
| Tier 1 risk-based capital ratio | 15.2635% | 3,159 |
| Total risk-based capital ratio | 16.5213% | 3,092 |
| Memoranda: | ||
| Average total assets | $458,076,250 | 1,472 |
| Average earning assets | $442,367,250 | 1,408 |
| Average equity | $65,078,750 | 1,165 |
| Average total loans | $346,956,250 | 1,300 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 4,095 |
| Cost of funding earning assets | 0.6462% | 1,129 |
| Net interest margin | 3.1454% | 4,842 |
| Noninterest income to average assets | 0.0557% | 6,153 |
| Noninterest expense to average assets | 1.9515% | 5,630 |
| Loan and lease loss provision to assets | -0.3345% | 6,240 |
| Net operating income to assets | 0.8616% | 3,074 |
| Return on assets (ROA) | 0.8616% | 3,175 |
| Pretax return on assets | 1.4690% | 1,730 |
| Return on Equity (ROE) | 5.8989% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.8989% | 2,304 |
| Net charge-offs to loans | -0.3536% | 6,152 |
| Credit loss provision to net charge-offs | 129.3103% | 1,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2370% | 4,478 |
| Assets per employee ($millions) | 7.0605% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9163% | 1,130 |
| Loan loss allowance to noncurrent loans | 215.5085% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 3,297 |
| Noncurrent loans to loans | 0.8892% | 2,906 |
| Net loans and leases to total assets | 77.2855% | 1,167 |
| Net loans and leases to deposits | 90.0009% | 1,600 |
| Net loans and leases to core deposits | 118.4278% | 512 |
| Total domestic deposits to total assets | 85.8720% | 2,761 |
| Equity capital to assets | 13.9052% | 1,013 |
| Core capital (leverage) ratio | 13.8999% | 871 |
| Tier 1 risk-based capital ratio | 17.2740% | 2,294 |
| Total risk-based capital ratio | 18.5328% | 2,253 |
| Memoranda: | ||
| Average total assets | $448,472,670 | 1,517 |
| Average earning assets | $432,054,670 | 1,452 |
| Average equity | $65,503,330 | 1,171 |
| Average total loans | $328,022,330 | 1,367 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,329 |
| Cost of funding earning assets | 0.6277% | 1,246 |
| Net interest margin | 3.0819% | 5,002 |
| Noninterest income to average assets | 0.0501% | 6,231 |
| Noninterest expense to average assets | 1.8927% | 5,771 |
| Loan and lease loss provision to assets | -0.6715% | 6,367 |
| Net operating income to assets | 1.0520% | 2,026 |
| Return on assets (ROA) | 1.0520% | 2,168 |
| Pretax return on assets | 1.7915% | 878 |
| Return on Equity (ROE) | 7.0319% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.0319% | 1,999 |
| Net charge-offs to loans | -0.4038% | 6,205 |
| Credit loss provision to net charge-offs | 236.5931% | 948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8232% | 4,648 |
| Assets per employee ($millions) | 7.1344% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1436% | 862 |
| Loan loss allowance to noncurrent loans | 199.3921% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 3,297 |
| Noncurrent loans to loans | 1.0750% | 2,611 |
| Net loans and leases to total assets | 66.6286% | 2,665 |
| Net loans and leases to deposits | 76.9331% | 2,944 |
| Net loans and leases to core deposits | 97.8242% | 1,488 |
| Total domestic deposits to total assets | 86.6059% | 2,602 |
| Equity capital to assets | 13.1774% | 1,315 |
| Core capital (leverage) ratio | 12.9742% | 1,163 |
| Tier 1 risk-based capital ratio | 18.3693% | 2,044 |
| Total risk-based capital ratio | 19.6298% | 1,992 |
| Memoranda: | ||
| Average total assets | $446,771,500 | 1,533 |
| Average earning assets | $429,481,500 | 1,465 |
| Average equity | $66,838,000 | 1,147 |
| Average total loans | $314,005,000 | 1,424 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 3,748 |
| Cost of funding earning assets | 0.5463% | 2,236 |
| Net interest margin | 3.4488% | 3,988 |
| Noninterest income to average assets | 0.1337% | 6,022 |
| Noninterest expense to average assets | 2.3691% | 4,924 |
| Loan and lease loss provision to assets | -0.5260% | 6,449 |
| Net operating income to assets | 1.6291% | 669 |
| Return on assets (ROA) | 1.6291% | 696 |
| Pretax return on assets | 1.6088% | 1,212 |
| Return on Equity (ROE) | 9.8560% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.8560% | 542 |
| Net charge-offs to loans | -0.0827% | 6,072 |
| Credit loss provision to net charge-offs | 815.2174% | 335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6332% | 3,786 |
| Assets per employee ($millions) | 7.0488% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 855 |
| Loan loss allowance to noncurrent loans | 129.4760% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4856% | 1,844 |
| Noncurrent loans to loans | 1.6774% | 1,745 |
| Net loans and leases to total assets | 70.9300% | 2,090 |
| Net loans and leases to deposits | 85.3990% | 2,051 |
| Net loans and leases to core deposits | 108.8885% | 834 |
| Total domestic deposits to total assets | 83.0572% | 4,056 |
| Equity capital to assets | 16.7647% | 443 |
| Core capital (leverage) ratio | 16.4541% | 421 |
| Tier 1 risk-based capital ratio | 22.7818% | 1,110 |
| Total risk-based capital ratio | 24.0437% | 1,092 |
| Memoranda: | ||
| Average total assets | $427,721,600 | 1,555 |
| Average earning assets | $411,506,600 | 1,488 |
| Average equity | $70,698,400 | 1,039 |
| Average total loans | $333,579,400 | 1,310 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0233% | 3,670 |
| Cost of funding earning assets | 0.5224% | 2,546 |
| Net interest margin | 3.5009% | 3,827 |
| Noninterest income to average assets | 0.1322% | 6,112 |
| Noninterest expense to average assets | 2.3683% | 4,918 |
| Loan and lease loss provision to assets | -0.7081% | 6,553 |
| Net operating income to assets | 1.8468% | 466 |
| Return on assets (ROA) | 1.8468% | 482 |
| Pretax return on assets | 1.8468% | 807 |
| Return on Equity (ROE) | 11.2151% | 1,709 |
| Retained earnings to average equity (ytd only) | 11.2151% | 484 |
| Net charge-offs to loans | -0.0757% | 6,052 |
| Credit loss provision to net charge-offs | 1,178.0105% | 292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5312% | 3,936 |
| Assets per employee ($millions) | 7.2530% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 1,025 |
| Loan loss allowance to noncurrent loans | 199.4802% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 2,918 |
| Noncurrent loans to loans | 1.0765% | 2,920 |
| Net loans and leases to total assets | 68.8899% | 2,391 |
| Net loans and leases to deposits | 82.2740% | 2,391 |
| Net loans and leases to core deposits | 106.6377% | 921 |
| Total domestic deposits to total assets | 83.7323% | 3,865 |
| Equity capital to assets | 16.0408% | 557 |
| Core capital (leverage) ratio | 16.3036% | 439 |
| Tier 1 risk-based capital ratio | 22.0690% | 1,254 |
| Total risk-based capital ratio | 23.3302% | 1,235 |
| Memoranda: | ||
| Average total assets | $423,632,750 | 1,578 |
| Average earning assets | $408,375,250 | 1,509 |
| Average equity | $69,761,000 | 1,055 |
| Average total loans | $336,480,000 | 1,303 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 3,407 |
| Cost of funding earning assets | 0.4941% | 2,893 |
| Net interest margin | 3.5916% | 3,392 |
| Noninterest income to average assets | 0.1343% | 6,148 |
| Noninterest expense to average assets | 2.3756% | 4,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2159% | 1,547 |
| Return on assets (ROA) | 1.2159% | 1,603 |
| Pretax return on assets | 1.2159% | 2,592 |
| Return on Equity (ROE) | 7.3138% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.3138% | 1,605 |
| Net charge-offs to loans | -0.1511% | 6,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1447% | 4,347 |
| Assets per employee ($millions) | 6.7670% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6578% | 564 |
| Loan loss allowance to noncurrent loans | 68.0912% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 3.5142% | 660 |
| Noncurrent loans to loans | 3.9033% | 616 |
| Net loans and leases to total assets | 80.5307% | 625 |
| Net loans and leases to deposits | 96.8800% | 747 |
| Net loans and leases to core deposits | 124.0397% | 303 |
| Total domestic deposits to total assets | 83.1241% | 4,257 |
| Equity capital to assets | 16.6725% | 457 |
| Core capital (leverage) ratio | 16.8007% | 380 |
| Tier 1 risk-based capital ratio | 20.6605% | 1,522 |
| Total risk-based capital ratio | 21.9291% | 1,493 |
| Memoranda: | ||
| Average total assets | $412,529,670 | 1,614 |
| Average earning assets | $397,094,330 | 1,546 |
| Average equity | $68,582,330 | 1,067 |
| Average total loans | $341,408,330 | 1,289 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,750 |
| Cost of funding earning assets | 0.4846% | 3,063 |
| Net interest margin | 3.5011% | 3,686 |
| Noninterest income to average assets | 0.1340% | 6,180 |
| Noninterest expense to average assets | 2.3451% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1589% | 1,597 |
| Return on assets (ROA) | 1.1589% | 1,671 |
| Pretax return on assets | 1.1589% | 2,662 |
| Return on Equity (ROE) | 6.9810% | 3,481 |
| Retained earnings to average equity (ytd only) | 6.9810% | 2,054 |
| Net charge-offs to loans | -0.1666% | 6,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9272% | 4,375 |
| Assets per employee ($millions) | 6.6418% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6591% | 669 |
| Loan loss allowance to noncurrent loans | 66.7693% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 3.6031% | 715 |
| Noncurrent loans to loans | 3.9825% | 678 |
| Net loans and leases to total assets | 80.9677% | 462 |
| Net loans and leases to deposits | 98.7762% | 502 |
| Net loans and leases to core deposits | 123.8489% | 264 |
| Total domestic deposits to total assets | 81.9709% | 4,953 |
| Equity capital to assets | 16.6413% | 438 |
| Core capital (leverage) ratio | 16.6439% | 402 |
| Tier 1 risk-based capital ratio | 20.6142% | 1,556 |
| Total risk-based capital ratio | 21.8830% | 1,522 |
| Memoranda: | ||
| Average total assets | $409,018,500 | 1,639 |
| Average earning assets | $393,699,500 | 1,567 |
| Average equity | $67,898,500 | 1,076 |
| Average total loans | $338,566,000 | 1,298 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 3,616 |
| Cost of funding earning assets | 0.5669% | 2,956 |
| Net interest margin | 3.5646% | 3,623 |
| Noninterest income to average assets | 0.3686% | 4,674 |
| Noninterest expense to average assets | 2.5240% | 4,691 |
| Loan and lease loss provision to assets | -0.1907% | 6,591 |
| Net operating income to assets | 1.5783% | 721 |
| Return on assets (ROA) | 1.5783% | 744 |
| Pretax return on assets | 1.4484% | 1,621 |
| Return on Equity (ROE) | 10.1058% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.1058% | 548 |
| Net charge-offs to loans | 0.2494% | 2,473 |
| Credit loss provision to net charge-offs | -95.5774% | 5,867 |
| Earnings coverage of net charge-offs (x) | 6.3047% | 3,090 |
| Efficiency ratio | 66.7423% | 4,417 |
| Assets per employee ($millions) | 6.4484% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6799% | 672 |
| Loan loss allowance to noncurrent loans | 52.3743% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 4.2144% | 615 |
| Noncurrent loans to loans | 5.1167% | 476 |
| Net loans and leases to total assets | 80.1582% | 579 |
| Net loans and leases to deposits | 97.6939% | 607 |
| Net loans and leases to core deposits | 124.4738% | 260 |
| Total domestic deposits to total assets | 82.0504% | 4,856 |
| Equity capital to assets | 16.5589% | 442 |
| Core capital (leverage) ratio | 16.6592% | 402 |
| Tier 1 risk-based capital ratio | 20.5809% | 1,517 |
| Total risk-based capital ratio | 21.8498% | 1,489 |
| Memoranda: | ||
| Average total assets | $408,046,800 | 1,616 |
| Average earning assets | $390,700,000 | 1,549 |
| Average equity | $63,725,800 | 1,124 |
| Average total loans | $326,376,400 | 1,307 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 3,413 |
| Cost of funding earning assets | 0.5869% | 2,930 |
| Net interest margin | 3.6061% | 3,417 |
| Noninterest income to average assets | 0.4364% | 4,257 |
| Noninterest expense to average assets | 2.5253% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3565% | 1,214 |
| Return on assets (ROA) | 1.3565% | 1,259 |
| Pretax return on assets | 1.3565% | 2,087 |
| Return on Equity (ROE) | 8.8180% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.8180% | 1,114 |
| Net charge-offs to loans | 0.3836% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.4544% | 3,436 |
| Efficiency ratio | 65.0551% | 4,639 |
| Assets per employee ($millions) | 6.3000% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9532% | 578 |
| Loan loss allowance to noncurrent loans | 126.2923% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.8613% | 2,183 |
| Noncurrent loans to loans | 2.3384% | 1,877 |
| Net loans and leases to total assets | 77.2463% | 842 |
| Net loans and leases to deposits | 93.3999% | 872 |
| Net loans and leases to core deposits | 119.1362% | 340 |
| Total domestic deposits to total assets | 82.7049% | 4,681 |
| Equity capital to assets | 15.8787% | 571 |
| Core capital (leverage) ratio | 16.0302% | 485 |
| Tier 1 risk-based capital ratio | 20.4771% | 1,605 |
| Total risk-based capital ratio | 21.7493% | 1,576 |
| Memoranda: | ||
| Average total assets | $408,496,500 | 1,624 |
| Average earning assets | $390,297,000 | 1,560 |
| Average equity | $62,839,750 | 1,156 |
| Average total loans | $324,318,500 | 1,315 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 3,655 |
| Cost of funding earning assets | 0.6171% | 2,790 |
| Net interest margin | 3.5045% | 3,762 |
| Noninterest income to average assets | 0.2538% | 5,635 |
| Noninterest expense to average assets | 2.5411% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0520% | 2,106 |
| Return on assets (ROA) | 1.0520% | 2,228 |
| Pretax return on assets | 1.0520% | 3,286 |
| Return on Equity (ROE) | 6.9133% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.9133% | 1,922 |
| Net charge-offs to loans | 0.6684% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9843% | 3,859 |
| Efficiency ratio | 70.7214% | 3,689 |
| Assets per employee ($millions) | 6.2641% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9153% | 637 |
| Loan loss allowance to noncurrent loans | 104.3143% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 3.2843% | 1,199 |
| Noncurrent loans to loans | 2.7948% | 1,624 |
| Net loans and leases to total assets | 78.7293% | 668 |
| Net loans and leases to deposits | 95.9539% | 677 |
| Net loans and leases to core deposits | 122.8014% | 276 |
| Total domestic deposits to total assets | 82.0491% | 5,042 |
| Equity capital to assets | 15.7262% | 571 |
| Core capital (leverage) ratio | 15.5705% | 509 |
| Tier 1 risk-based capital ratio | 19.7859% | 1,770 |
| Total risk-based capital ratio | 21.0575% | 1,739 |
| Memoranda: | ||
| Average total assets | $408,162,670 | 1,630 |
| Average earning assets | $388,931,670 | 1,562 |
| Average equity | $62,112,000 | 1,174 |
| Average total loans | $323,775,330 | 1,308 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,971 |
| Cost of funding earning assets | 0.6609% | 2,558 |
| Net interest margin | 3.3751% | 4,213 |
| Noninterest income to average assets | 0.2370% | 5,763 |
| Noninterest expense to average assets | 2.5042% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9422% | 2,465 |
| Return on assets (ROA) | 0.9422% | 2,609 |
| Pretax return on assets | 0.9422% | 3,603 |
| Return on Equity (ROE) | 6.2942% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.2942% | 2,514 |
| Net charge-offs to loans | 1.5400% | 349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.7797% | 3,570 |
| Efficiency ratio | 72.6607% | 3,493 |
| Assets per employee ($millions) | 6.0673% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8394% | 786 |
| Loan loss allowance to noncurrent loans | 78.4751% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 4.1298% | 945 |
| Noncurrent loans to loans | 3.6183% | 1,313 |
| Net loans and leases to total assets | 78.4099% | 570 |
| Net loans and leases to deposits | 92.7714% | 741 |
| Net loans and leases to core deposits | 117.5383% | 316 |
| Total domestic deposits to total assets | 84.5194% | 4,257 |
| Equity capital to assets | 15.2764% | 691 |
| Core capital (leverage) ratio | 14.8270% | 615 |
| Tier 1 risk-based capital ratio | 19.0867% | 2,019 |
| Total risk-based capital ratio | 20.3571% | 1,985 |
| Memoranda: | ||
| Average total assets | $411,792,000 | 1,629 |
| Average earning assets | $391,571,000 | 1,564 |
| Average equity | $61,644,500 | 1,196 |
| Average total loans | $323,109,500 | 1,315 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 4,817 |
| Cost of funding earning assets | 0.8677% | 2,159 |
| Net interest margin | 3.2684% | 5,367 |
| Noninterest income to average assets | 0.4120% | 4,513 |
| Noninterest expense to average assets | 2.6614% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9024% | 2,807 |
| Return on assets (ROA) | 0.9024% | 3,044 |
| Pretax return on assets | 0.8555% | 4,084 |
| Return on Equity (ROE) | 6.5286% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.5286% | 1,804 |
| Net charge-offs to loans | 0.3945% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.8078% | 4,025 |
| Efficiency ratio | 75.6742% | 2,807 |
| Assets per employee ($millions) | 6.2250% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3188% | 498 |
| Loan loss allowance to noncurrent loans | 77.6397% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 4.7864% | 835 |
| Noncurrent loans to loans | 4.2746% | 1,037 |
| Net loans and leases to total assets | 73.7521% | 1,228 |
| Net loans and leases to deposits | 86.6902% | 1,416 |
| Net loans and leases to core deposits | 110.5794% | 520 |
| Total domestic deposits to total assets | 85.0756% | 3,827 |
| Equity capital to assets | 14.6710% | 830 |
| Core capital (leverage) ratio | 14.2506% | 730 |
| Tier 1 risk-based capital ratio | 19.1619% | 1,914 |
| Total risk-based capital ratio | 20.4381% | 1,881 |
| Memoranda: | ||
| Average total assets | $426,988,200 | 1,538 |
| Average earning assets | $405,647,400 | 1,486 |
| Average equity | $59,017,200 | 1,205 |
| Average total loans | $329,799,800 | 1,276 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 4,868 |
| Cost of funding earning assets | 0.9004% | 2,169 |
| Net interest margin | 3.2856% | 5,436 |
| Noninterest income to average assets | 0.4644% | 4,183 |
| Noninterest expense to average assets | 2.6935% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8932% | 3,013 |
| Return on assets (ROA) | 0.8932% | 3,247 |
| Pretax return on assets | 0.8932% | 4,131 |
| Return on Equity (ROE) | 6.5600% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.5600% | 2,354 |
| Net charge-offs to loans | 0.5542% | 1,944 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.0803% | 4,229 |
| Efficiency ratio | 75.0974% | 2,812 |
| Assets per employee ($millions) | 6.5171% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1816% | 609 |
| Loan loss allowance to noncurrent loans | 66.5925% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 5.2371% | 829 |
| Noncurrent loans to loans | 4.7777% | 967 |
| Net loans and leases to total assets | 74.1234% | 1,233 |
| Net loans and leases to deposits | 86.4774% | 1,549 |
| Net loans and leases to core deposits | 113.1376% | 456 |
| Total domestic deposits to total assets | 85.7142% | 3,402 |
| Equity capital to assets | 13.9966% | 1,160 |
| Core capital (leverage) ratio | 13.8499% | 886 |
| Tier 1 risk-based capital ratio | 17.9869% | 2,356 |
| Total risk-based capital ratio | 19.2606% | 2,316 |
| Memoranda: | ||
| Average total assets | $429,466,750 | 1,550 |
| Average earning assets | $408,109,500 | 1,497 |
| Average equity | $58,474,250 | 1,214 |
| Average total loans | $332,709,750 | 1,276 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 5,018 |
| Cost of funding earning assets | 0.9332% | 2,159 |
| Net interest margin | 3.2486% | 5,596 |
| Noninterest income to average assets | 0.4585% | 4,224 |
| Noninterest expense to average assets | 2.7182% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8238% | 3,283 |
| Return on assets (ROA) | 0.8238% | 3,542 |
| Pretax return on assets | 0.8238% | 4,388 |
| Return on Equity (ROE) | 6.1073% | 4,270 |
| Retained earnings to average equity (ytd only) | 6.1073% | 2,650 |
| Net charge-offs to loans | 0.5056% | 2,068 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.0948% | 3,941 |
| Efficiency ratio | 76.7430% | 2,628 |
| Assets per employee ($millions) | 6.5722% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2972% | 594 |
| Loan loss allowance to noncurrent loans | 49.3947% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 6.7520% | 596 |
| Noncurrent loans to loans | 6.6753% | 608 |
| Net loans and leases to total assets | 74.4834% | 1,180 |
| Net loans and leases to deposits | 86.4904% | 1,533 |
| Net loans and leases to core deposits | 115.2526% | 415 |
| Total domestic deposits to total assets | 86.1176% | 3,296 |
| Equity capital to assets | 13.6037% | 1,263 |
| Core capital (leverage) ratio | 13.4435% | 995 |
| Tier 1 risk-based capital ratio | 17.5964% | 2,442 |
| Total risk-based capital ratio | 18.8720% | 2,399 |
| Memoranda: | ||
| Average total assets | $429,247,000 | 1,552 |
| Average earning assets | $407,435,000 | 1,498 |
| Average equity | $57,898,000 | 1,223 |
| Average total loans | $333,846,000 | 1,272 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 5,310 |
| Cost of funding earning assets | 0.9541% | 2,280 |
| Net interest margin | 3.1873% | 5,816 |
| Noninterest income to average assets | 0.2155% | 6,077 |
| Noninterest expense to average assets | 2.6820% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5565% | 4,558 |
| Return on assets (ROA) | 0.5565% | 4,776 |
| Pretax return on assets | 0.5565% | 5,251 |
| Return on Equity (ROE) | 4.1435% | 5,230 |
| Retained earnings to average equity (ytd only) | 4.1435% | 4,106 |
| Net charge-offs to loans | 0.3788% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.8797% | 3,394 |
| Efficiency ratio | 82.8175% | 1,826 |
| Assets per employee ($millions) | 6.5325% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3475% | 597 |
| Loan loss allowance to noncurrent loans | 47.1549% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 7.3673% | 556 |
| Noncurrent loans to loans | 7.0990% | 619 |
| Net loans and leases to total assets | 76.1537% | 780 |
| Net loans and leases to deposits | 88.0116% | 1,162 |
| Net loans and leases to core deposits | 120.7227% | 299 |
| Total domestic deposits to total assets | 86.5269% | 3,227 |
| Equity capital to assets | 13.1857% | 1,365 |
| Core capital (leverage) ratio | 13.6034% | 907 |
| Tier 1 risk-based capital ratio | 16.4498% | 2,933 |
| Total risk-based capital ratio | 17.7251% | 2,891 |
| Memoranda: | ||
| Average total assets | $426,988,000 | 1,560 |
| Average earning assets | $404,988,500 | 1,502 |
| Average equity | $57,343,000 | 1,235 |
| Average total loans | $333,719,500 | 1,272 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 4,585 |
| Cost of funding earning assets | 1.0612% | 2,946 |
| Net interest margin | 3.5598% | 4,893 |
| Noninterest income to average assets | 0.3317% | 5,161 |
| Noninterest expense to average assets | 2.9943% | 3,614 |
| Loan and lease loss provision to assets | 0.0537% | 5,921 |
| Net operating income to assets | 0.5359% | 4,286 |
| Return on assets (ROA) | 0.5359% | 4,479 |
| Pretax return on assets | 0.6426% | 4,546 |
| Return on Equity (ROE) | 4.0168% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.0168% | 3,333 |
| Net charge-offs to loans | 0.6873% | 2,436 |
| Credit loss provision to net charge-offs | 9.4458% | 6,016 |
| Earnings coverage of net charge-offs (x) | 1.2242% | 4,861 |
| Efficiency ratio | 81.1323% | 2,145 |
| Assets per employee ($millions) | 6.3075% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6765% | 474 |
| Loan loss allowance to noncurrent loans | 42.1524% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 8.3796% | 456 |
| Noncurrent loans to loans | 8.7220% | 419 |
| Net loans and leases to total assets | 74.6405% | 1,147 |
| Net loans and leases to deposits | 86.7156% | 1,572 |
| Net loans and leases to core deposits | 116.9580% | 422 |
| Total domestic deposits to total assets | 86.0751% | 3,276 |
| Equity capital to assets | 13.6861% | 1,182 |
| Core capital (leverage) ratio | 13.7208% | 893 |
| Tier 1 risk-based capital ratio | 16.8437% | 2,671 |
| Total risk-based capital ratio | 18.1221% | 2,623 |
| Memoranda: | ||
| Average total assets | $418,767,400 | 1,553 |
| Average earning assets | $395,133,400 | 1,506 |
| Average equity | $55,864,800 | 1,216 |
| Average total loans | $346,556,400 | 1,223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 4,380 |
| Cost of funding earning assets | 1.0774% | 3,128 |
| Net interest margin | 3.6384% | 4,626 |
| Noninterest income to average assets | 0.3793% | 4,820 |
| Noninterest expense to average assets | 2.8574% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8097% | 3,116 |
| Return on assets (ROA) | 0.8097% | 3,279 |
| Pretax return on assets | 0.9518% | 3,583 |
| Return on Equity (ROE) | 6.1092% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.1092% | 2,491 |
| Net charge-offs to loans | 0.5896% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.9205% | 4,216 |
| Efficiency ratio | 75.0125% | 3,001 |
| Assets per employee ($millions) | 6.1680% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7706% | 471 |
| Loan loss allowance to noncurrent loans | 40.0514% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 9.2854% | 414 |
| Noncurrent loans to loans | 9.4144% | 397 |
| Net loans and leases to total assets | 78.1011% | 698 |
| Net loans and leases to deposits | 91.8225% | 1,025 |
| Net loans and leases to core deposits | 123.1175% | 323 |
| Total domestic deposits to total assets | 85.0566% | 3,745 |
| Equity capital to assets | 14.0701% | 1,134 |
| Core capital (leverage) ratio | 14.1166% | 878 |
| Tier 1 risk-based capital ratio | 16.7372% | 2,744 |
| Total risk-based capital ratio | 18.0170% | 2,704 |
| Memoranda: | ||
| Average total assets | $419,384,750 | 1,561 |
| Average earning assets | $395,370,000 | 1,515 |
| Average equity | $55,587,250 | 1,220 |
| Average total loans | $352,548,750 | 1,214 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 4,248 |
| Cost of funding earning assets | 1.1020% | 3,221 |
| Net interest margin | 3.6588% | 4,480 |
| Noninterest income to average assets | 0.1540% | 6,551 |
| Noninterest expense to average assets | 3.0358% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3537% | 5,158 |
| Return on assets (ROA) | 0.3537% | 5,295 |
| Pretax return on assets | 0.5648% | 4,861 |
| Return on Equity (ROE) | 2.7225% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.7225% | 4,554 |
| Net charge-offs to loans | 0.0361% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 1,262 |
| Efficiency ratio | 84.3127% | 1,780 |
| Assets per employee ($millions) | 6.4316% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0272% | 410 |
| Loan loss allowance to noncurrent loans | 45.2209% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 9.6856% | 416 |
| Noncurrent loans to loans | 8.9057% | 469 |
| Net loans and leases to total assets | 80.7755% | 467 |
| Net loans and leases to deposits | 96.6580% | 672 |
| Net loans and leases to core deposits | 131.4457% | 259 |
| Total domestic deposits to total assets | 83.5683% | 4,517 |
| Equity capital to assets | 13.4622% | 1,317 |
| Core capital (leverage) ratio | 13.3014% | 1,059 |
| Tier 1 risk-based capital ratio | 15.7636% | 3,098 |
| Total risk-based capital ratio | 17.0475% | 3,063 |
| Memoranda: | ||
| Average total assets | $423,483,330 | 1,564 |
| Average earning assets | $398,927,670 | 1,520 |
| Average equity | $55,023,670 | 1,221 |
| Average total loans | $359,932,000 | 1,207 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 3,694 |
| Cost of funding earning assets | 1.1155% | 3,416 |
| Net interest margin | 3.7627% | 3,787 |
| Noninterest income to average assets | 0.1733% | 6,490 |
| Noninterest expense to average assets | 3.2398% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4713% | 4,614 |
| Return on assets (ROA) | 0.4713% | 4,696 |
| Pretax return on assets | 0.4713% | 5,117 |
| Return on Equity (ROE) | 3.6915% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.6915% | 3,959 |
| Net charge-offs to loans | 0.4429% | 2,368 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.2463% | 3,738 |
| Efficiency ratio | 87.2992% | 1,590 |
| Assets per employee ($millions) | 6.7816% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7268% | 517 |
| Loan loss allowance to noncurrent loans | 36.3231% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 11.5152% | 297 |
| Noncurrent loans to loans | 10.2601% | 385 |
| Net loans and leases to total assets | 81.0110% | 438 |
| Net loans and leases to deposits | 95.6975% | 712 |
| Net loans and leases to core deposits | 129.5277% | 275 |
| Total domestic deposits to total assets | 84.6532% | 4,205 |
| Equity capital to assets | 12.6901% | 1,526 |
| Core capital (leverage) ratio | 12.5525% | 1,303 |
| Tier 1 risk-based capital ratio | 14.6738% | 3,630 |
| Total risk-based capital ratio | 15.9531% | 3,566 |
| Memoranda: | ||
| Average total assets | $429,415,000 | 1,547 |
| Average earning assets | $403,748,500 | 1,512 |
| Average equity | $54,829,000 | 1,217 |
| Average total loans | $366,678,000 | 1,199 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 5,017 |
| Cost of funding earning assets | 1.1657% | 4,765 |
| Net interest margin | 3.7377% | 4,190 |
| Noninterest income to average assets | 0.2738% | 5,824 |
| Noninterest expense to average assets | 2.8889% | 4,280 |
| Loan and lease loss provision to assets | 2.7561% | 373 |
| Net operating income to assets | -1.8956% | 7,030 |
| Return on assets (ROA) | -1.8322% | 7,030 |
| Pretax return on assets | -1.8166% | 6,967 |
| Return on Equity (ROE) | -13.1687% | 6,847 |
| Retained earnings to average equity (ytd only) | -13.1687% | 6,801 |
| Net charge-offs to loans | 1.7328% | 1,249 |
| Credit loss provision to net charge-offs | 187.4046% | 1,740 |
| Earnings coverage of net charge-offs (x) | 0.5957% | 5,509 |
| Efficiency ratio | 76.7317% | 2,922 |
| Assets per employee ($millions) | 6.4364% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8075% | 468 |
| Loan loss allowance to noncurrent loans | 38.4544% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 11.0870% | 345 |
| Noncurrent loans to loans | 9.9015% | 433 |
| Net loans and leases to total assets | 83.3606% | 351 |
| Net loans and leases to deposits | 98.7504% | 660 |
| Net loans and leases to core deposits | 142.4165% | 213 |
| Total domestic deposits to total assets | 84.4154% | 4,166 |
| Equity capital to assets | 12.8482% | 1,465 |
| Core capital (leverage) ratio | 12.5577% | 1,291 |
| Tier 1 risk-based capital ratio | 14.5360% | 3,519 |
| Total risk-based capital ratio | 15.8167% | 3,462 |
| Memoranda: | ||
| Average total assets | $436,740,200 | 1,526 |
| Average earning assets | $407,923,600 | 1,490 |
| Average equity | $60,765,400 | 1,096 |
| Average total loans | $370,674,200 | 1,221 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 4,757 |
| Cost of funding earning assets | 1.2021% | 4,856 |
| Net interest margin | 3.8095% | 3,936 |
| Noninterest income to average assets | 0.2204% | 6,332 |
| Noninterest expense to average assets | 2.9760% | 3,835 |
| Loan and lease loss provision to assets | 0.7559% | 2,026 |
| Net operating income to assets | 0.0400% | 5,904 |
| Return on assets (ROA) | 0.0400% | 6,042 |
| Pretax return on assets | 0.0400% | 6,023 |
| Return on Equity (ROE) | 0.2825% | 6,057 |
| Retained earnings to average equity (ytd only) | 0.2825% | 5,672 |
| Net charge-offs to loans | 1.3656% | 1,485 |
| Credit loss provision to net charge-offs | 65.5535% | 5,549 |
| Earnings coverage of net charge-offs (x) | 0.6902% | 5,360 |
| Efficiency ratio | 78.8987% | 2,501 |
| Assets per employee ($millions) | 6.6683% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9333% | 2,394 |
| Loan loss allowance to noncurrent loans | 31.1178% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 7.7393% | 660 |
| Noncurrent loans to loans | 6.2127% | 984 |
| Net loans and leases to total assets | 83.0103% | 408 |
| Net loans and leases to deposits | 101.0717% | 579 |
| Net loans and leases to core deposits | 151.7751% | 180 |
| Total domestic deposits to total assets | 82.1301% | 4,943 |
| Equity capital to assets | 14.5140% | 1,017 |
| Core capital (leverage) ratio | 13.7539% | 978 |
| Tier 1 risk-based capital ratio | 16.0428% | 2,740 |
| Total risk-based capital ratio | 17.2998% | 2,688 |
| Memoranda: | ||
| Average total assets | $439,724,000 | 1,538 |
| Average earning assets | $409,943,250 | 1,506 |
| Average equity | $62,311,750 | 1,078 |
| Average total loans | $371,308,500 | 1,226 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 4,899 |
| Cost of funding earning assets | 1.2260% | 4,982 |
| Net interest margin | 3.7839% | 3,967 |
| Noninterest income to average assets | 0.1784% | 6,632 |
| Noninterest expense to average assets | 2.6174% | 5,254 |
| Loan and lease loss provision to assets | 0.6786% | 2,128 |
| Net operating income to assets | 0.4115% | 4,704 |
| Return on assets (ROA) | 0.4115% | 4,859 |
| Pretax return on assets | 0.4115% | 5,190 |
| Return on Equity (ROE) | 2.9269% | 5,262 |
| Retained earnings to average equity (ytd only) | 2.9269% | 4,269 |
| Net charge-offs to loans | 0.4727% | 3,113 |
| Credit loss provision to net charge-offs | 170.1476% | 2,299 |
| Earnings coverage of net charge-offs (x) | 2.7333% | 3,623 |
| Efficiency ratio | 70.5983% | 4,060 |
| Assets per employee ($millions) | 6.7475% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4578% | 1,352 |
| Loan loss allowance to noncurrent loans | 39.0283% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 7.2204% | 717 |
| Noncurrent loans to loans | 6.2976% | 977 |
| Net loans and leases to total assets | 80.3911% | 742 |
| Net loans and leases to deposits | 97.2121% | 943 |
| Net loans and leases to core deposits | 158.6469% | 172 |
| Total domestic deposits to total assets | 82.6966% | 4,698 |
| Equity capital to assets | 14.3072% | 1,065 |
| Core capital (leverage) ratio | 14.1430% | 894 |
| Tier 1 risk-based capital ratio | 15.8477% | 2,740 |
| Total risk-based capital ratio | 17.1102% | 2,700 |
| Memoranda: | ||
| Average total assets | $441,819,330 | 1,548 |
| Average earning assets | $412,058,000 | 1,503 |
| Average equity | $62,112,670 | 1,072 |
| Average total loans | $372,781,000 | 1,232 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2472% | 3,795 |
| Cost of funding earning assets | 1.2789% | 4,935 |
| Net interest margin | 3.9684% | 3,002 |
| Noninterest income to average assets | 0.1345% | 7,010 |
| Noninterest expense to average assets | 2.2215% | 6,628 |
| Loan and lease loss provision to assets | 0.9408% | 1,338 |
| Net operating income to assets | 0.6699% | 3,572 |
| Return on assets (ROA) | 0.6699% | 3,686 |
| Pretax return on assets | 0.6699% | 4,338 |
| Return on Equity (ROE) | 4.8082% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.8082% | 3,264 |
| Net charge-offs to loans | 0.4504% | 2,696 |
| Credit loss provision to net charge-offs | 244.6809% | 1,573 |
| Earnings coverage of net charge-offs (x) | 4.1891% | 2,680 |
| Efficiency ratio | 57.9696% | 6,491 |
| Assets per employee ($millions) | 7.0383% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4117% | 1,408 |
| Loan loss allowance to noncurrent loans | 52.9578% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 6.1891% | 948 |
| Noncurrent loans to loans | 4.5540% | 1,627 |
| Net loans and leases to total assets | 82.2684% | 556 |
| Net loans and leases to deposits | 96.4774% | 1,050 |
| Net loans and leases to core deposits | 177.9293% | 134 |
| Total domestic deposits to total assets | 85.2721% | 3,524 |
| Equity capital to assets | 14.3267% | 1,057 |
| Core capital (leverage) ratio | 14.1884% | 914 |
| Tier 1 risk-based capital ratio | 15.6004% | 2,829 |
| Total risk-based capital ratio | 16.8628% | 2,769 |
| Memoranda: | ||
| Average total assets | $440,062,000 | 1,593 |
| Average earning assets | $410,044,000 | 1,548 |
| Average equity | $61,311,500 | 1,090 |
| Average total loans | $375,656,500 | 1,264 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 6,653 |
| Cost of funding earning assets | 2.4304% | 1,209 |
| Net interest margin | 2.4955% | 7,433 |
| Noninterest income to average assets | 0.3097% | 5,865 |
| Noninterest expense to average assets | 3.0231% | 4,058 |
| Loan and lease loss provision to assets | 2.2302% | 929 |
| Net operating income to assets | -2.5495% | 7,282 |
| Return on assets (ROA) | -2.5495% | 7,281 |
| Pretax return on assets | -2.6130% | 7,179 |
| Return on Equity (ROE) | -20.4844% | 7,156 |
| Retained earnings to average equity (ytd only) | -20.4844% | 7,124 |
| Net charge-offs to loans | 3.3788% | 590 |
| Credit loss provision to net charge-offs | 80.2801% | 6,272 |
| Earnings coverage of net charge-offs (x) | -0.1378% | 6,372 |
| Efficiency ratio | 114.4973% | 699 |
| Assets per employee ($millions) | 6.5181% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2259% | 1,597 |
| Loan loss allowance to noncurrent loans | 61.4704% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 6.2375% | 888 |
| Noncurrent loans to loans | 3.6211% | 2,080 |
| Net loans and leases to total assets | 84.5196% | 393 |
| Net loans and leases to deposits | 98.2862% | 1,070 |
| Net loans and leases to core deposits | 160.8054% | 332 |
| Total domestic deposits to total assets | 85.9933% | 3,021 |
| Equity capital to assets | 13.5322% | 1,306 |
| Core capital (leverage) ratio | 12.2232% | 1,566 |
| Tier 1 risk-based capital ratio | 14.3249% | 3,306 |
| Total risk-based capital ratio | 15.5850% | 3,247 |
| Memoranda: | ||
| Average total assets | $508,918,400 | 1,350 |
| Average earning assets | $475,303,600 | 1,330 |
| Average equity | $63,341,000 | 1,044 |
| Average total loans | $418,436,200 | 1,149 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 6,989 |
| Cost of funding earning assets | 2.5400% | 1,179 |
| Net interest margin | 2.3195% | 7,627 |
| Noninterest income to average assets | 0.1275% | 7,247 |
| Noninterest expense to average assets | 2.9268% | 4,329 |
| Loan and lease loss provision to assets | 1.9009% | 966 |
| Net operating income to assets | -2.2900% | 7,405 |
| Return on assets (ROA) | -2.2900% | 7,397 |
| Pretax return on assets | -2.5314% | 7,355 |
| Return on Equity (ROE) | -18.7381% | 7,332 |
| Retained earnings to average equity (ytd only) | -18.7381% | 7,298 |
| Net charge-offs to loans | 3.0407% | 541 |
| Credit loss provision to net charge-offs | 76.8515% | 5,839 |
| Earnings coverage of net charge-offs (x) | -0.2549% | 6,326 |
| Efficiency ratio | 127.4570% | 498 |
| Assets per employee ($millions) | 7.0816% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2872% | 1,314 |
| Loan loss allowance to noncurrent loans | 72.8103% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 7.4858% | 599 |
| Noncurrent loans to loans | 3.1413% | 2,404 |
| Net loans and leases to total assets | 79.2061% | 1,349 |
| Net loans and leases to deposits | 90.7572% | 2,439 |
| Net loans and leases to core deposits | 143.8508% | 769 |
| Total domestic deposits to total assets | 87.2725% | 2,034 |
| Equity capital to assets | 12.1907% | 2,126 |
| Core capital (leverage) ratio | 11.3796% | 2,135 |
| Tier 1 risk-based capital ratio | 13.1450% | 4,089 |
| Total risk-based capital ratio | 14.4049% | 4,020 |
| Memoranda: | ||
| Average total assets | $526,969,750 | 1,319 |
| Average earning assets | $492,742,750 | 1,291 |
| Average equity | $64,402,000 | 1,041 |
| Average total loans | $428,667,500 | 1,137 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 7,177 |
| Cost of funding earning assets | 2.5776% | 1,351 |
| Net interest margin | 2.2511% | 7,714 |
| Noninterest income to average assets | 0.1217% | 7,372 |
| Noninterest expense to average assets | 2.1025% | 7,272 |
| Loan and lease loss provision to assets | 1.5679% | 1,084 |
| Net operating income to assets | -1.0758% | 7,036 |
| Return on assets (ROA) | -1.0758% | 7,035 |
| Pretax return on assets | -1.4278% | 7,052 |
| Return on Equity (ROE) | -8.7962% | 6,954 |
| Retained earnings to average equity (ytd only) | -8.7962% | 6,752 |
| Net charge-offs to loans | 2.2680% | 790 |
| Credit loss provision to net charge-offs | 84.8981% | 5,065 |
| Earnings coverage of net charge-offs (x) | 0.0759% | 5,601 |
| Efficiency ratio | 93.7490% | 1,516 |
| Assets per employee ($millions) | 7.1387% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5076% | 889 |
| Loan loss allowance to noncurrent loans | 110.1668% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 5.2488% | 975 |
| Noncurrent loans to loans | 2.2762% | 3,164 |
| Net loans and leases to total assets | 77.8519% | 1,782 |
| Net loans and leases to deposits | 89.1234% | 2,971 |
| Net loans and leases to core deposits | 123.5723% | 2,060 |
| Total domestic deposits to total assets | 87.3529% | 2,072 |
| Equity capital to assets | 12.4350% | 1,954 |
| Core capital (leverage) ratio | 12.0271% | 1,818 |
| Tier 1 risk-based capital ratio | 13.9292% | 3,561 |
| Total risk-based capital ratio | 15.1923% | 3,486 |
| Memoranda: | ||
| Average total assets | $542,110,000 | 1,307 |
| Average earning assets | $510,778,330 | 1,264 |
| Average equity | $66,301,330 | 1,013 |
| Average total loans | $441,442,000 | 1,134 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 7,283 |
| Cost of funding earning assets | 2.7120% | 1,235 |
| Net interest margin | 2.1406% | 7,831 |
| Noninterest income to average assets | 0.0984% | 7,550 |
| Noninterest expense to average assets | 1.7495% | 7,763 |
| Loan and lease loss provision to assets | 2.0615% | 581 |
| Net operating income to assets | -0.9881% | 7,248 |
| Return on assets (ROA) | -0.9881% | 7,266 |
| Pretax return on assets | -1.6786% | 7,433 |
| Return on Equity (ROE) | -8.1431% | 7,247 |
| Retained earnings to average equity (ytd only) | -8.1431% | 6,930 |
| Net charge-offs to loans | 2.5308% | 551 |
| Credit loss provision to net charge-offs | 99.1298% | 3,821 |
| Earnings coverage of net charge-offs (x) | 0.1841% | 4,835 |
| Efficiency ratio | 82.0434% | 2,526 |
| Assets per employee ($millions) | 7.5317% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4831% | 781 |
| Loan loss allowance to noncurrent loans | 51.4515% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 4.9915% | 903 |
| Noncurrent loans to loans | 4.8262% | 1,146 |
| Net loans and leases to total assets | 78.6771% | 1,648 |
| Net loans and leases to deposits | 89.5464% | 3,002 |
| Net loans and leases to core deposits | 121.5716% | 2,287 |
| Total domestic deposits to total assets | 87.8618% | 1,814 |
| Equity capital to assets | 11.9107% | 2,314 |
| Core capital (leverage) ratio | 11.3178% | 2,262 |
| Tier 1 risk-based capital ratio | 13.3993% | 3,930 |
| Total risk-based capital ratio | 14.6627% | 3,836 |
| Memoranda: | ||
| Average total assets | $552,603,000 | 1,284 |
| Average earning assets | $525,079,500 | 1,238 |
| Average equity | $67,051,000 | 1,007 |
| Average total loans | $454,093,000 | 1,108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8894% | 6,091 |
| Cost of funding earning assets | 2.4311% | 4,565 |
| Net interest margin | 3.4583% | 5,444 |
| Noninterest income to average assets | 0.1769% | 7,169 |
| Noninterest expense to average assets | 2.1560% | 7,102 |
| Loan and lease loss provision to assets | 2.0976% | 560 |
| Net operating income to assets | -0.4447% | 6,872 |
| Return on assets (ROA) | -0.4447% | 6,751 |
| Pretax return on assets | -0.7593% | 6,856 |
| Return on Equity (ROE) | -3.2664% | 6,651 |
| Retained earnings to average equity (ytd only) | -3.2664% | 6,167 |
| Net charge-offs to loans | 1.7287% | 639 |
| Credit loss provision to net charge-offs | 147.4574% | 3,582 |
| Earnings coverage of net charge-offs (x) | 0.9408% | 5,661 |
| Efficiency ratio | 61.6994% | 6,012 |
| Assets per employee ($millions) | 7.5049% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4407% | 729 |
| Loan loss allowance to noncurrent loans | 65.1397% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 4.0164% | 1,021 |
| Noncurrent loans to loans | 3.7469% | 1,335 |
| Net loans and leases to total assets | 81.6496% | 1,293 |
| Net loans and leases to deposits | 93.3652% | 2,883 |
| Net loans and leases to core deposits | 120.1063% | 2,676 |
| Total domestic deposits to total assets | 87.4519% | 1,727 |
| Equity capital to assets | 12.3605% | 2,080 |
| Core capital (leverage) ratio | 11.3110% | 2,363 |
| Tier 1 risk-based capital ratio | 13.8956% | 3,592 |
| Total risk-based capital ratio | 15.1588% | 3,508 |
| Memoranda: | ||
| Average total assets | $515,625,200 | 1,306 |
| Average earning assets | $494,636,600 | 1,249 |
| Average equity | $70,200,200 | 950 |
| Average total loans | $424,310,600 | 1,129 |