Home > United Bank & Trust > Performance and Condition Ratios
United Bank & Trust, Performance and Condition Ratios
| 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 | 4.2847% | 2,638 |
| Cost of funding earning assets | 0.2282% | 5,676 |
| Net interest margin | 4.0565% | 1,643 |
| Noninterest income to average assets | 1.9639% | 358 |
| Noninterest expense to average assets | 3.8152% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3007% | 1,309 |
| Return on assets (ROA) | 1.2974% | 1,365 |
| Pretax return on assets | 1.8999% | 687 |
| Return on Equity (ROE) | 13.1766% | 1,126 |
| Retained earnings to average equity (ytd only) | -0.3633% | 5,744 |
| Net charge-offs to loans | 0.5742% | 707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.5384% | 3,088 |
| Efficiency ratio | 66.6990% | 4,246 |
| Assets per employee ($millions) | 3.3628% | 5,133 |
| Cash dividends to net income (ytd only)* | 102.7573% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7891% | 477 |
| Loan loss allowance to noncurrent loans | 266.1790% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 3,099 |
| Noncurrent loans to loans | 1.0478% | 3,135 |
| Net loans and leases to total assets | 73.4124% | 1,520 |
| Net loans and leases to deposits | 83.7262% | 2,057 |
| Net loans and leases to core deposits | 88.1497% | 2,299 |
| Total domestic deposits to total assets | 87.6816% | 2,093 |
| Equity capital to assets | 10.1456% | 3,906 |
| Core capital (leverage) ratio | 9.9351% | 3,699 |
| Tier 1 risk-based capital ratio | 13.2788% | 4,734 |
| Total risk-based capital ratio | 14.5476% | 4,661 |
| Memoranda: | ||
| Average total assets | $900,133,330 | 745 |
| Average earning assets | $833,477,000 | 734 |
| Average equity | $88,627,000 | 824 |
| Average total loans | $657,951,670 | 649 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 2,809 |
| Cost of funding earning assets | 0.2472% | 5,608 |
| Net interest margin | 3.9705% | 1,856 |
| Noninterest income to average assets | 1.8802% | 374 |
| Noninterest expense to average assets | 3.8264% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1922% | 1,504 |
| Return on assets (ROA) | 1.1934% | 1,572 |
| Pretax return on assets | 1.7356% | 906 |
| Return on Equity (ROE) | 12.3020% | 1,343 |
| Retained earnings to average equity (ytd only) | -1.2964% | 5,770 |
| Net charge-offs to loans | 0.8504% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8347% | 2,788 |
| Efficiency ratio | 68.8177% | 4,043 |
| Assets per employee ($millions) | 3.4109% | 5,130 |
| Cash dividends to net income (ytd only)* | 110.5380% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8962% | 487 |
| Loan loss allowance to noncurrent loans | 291.7330% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9286% | 3,407 |
| Noncurrent loans to loans | 0.9928% | 3,434 |
| Net loans and leases to total assets | 69.3735% | 2,000 |
| Net loans and leases to deposits | 78.1995% | 2,526 |
| Net loans and leases to core deposits | 83.3322% | 2,597 |
| Total domestic deposits to total assets | 88.7135% | 1,826 |
| Equity capital to assets | 9.6048% | 4,348 |
| Core capital (leverage) ratio | 9.6853% | 4,017 |
| Tier 1 risk-based capital ratio | 13.3534% | 4,791 |
| Total risk-based capital ratio | 14.6233% | 4,715 |
| Memoranda: | ||
| Average total assets | $909,669,500 | 744 |
| Average earning assets | $843,115,000 | 730 |
| Average equity | $88,246,000 | 830 |
| Average total loans | $654,244,500 | 658 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 3,723 |
| Cost of funding earning assets | 0.3470% | 5,169 |
| Net interest margin | 3.7573% | 2,816 |
| Noninterest income to average assets | 2.3098% | 320 |
| Noninterest expense to average assets | 4.1072% | 770 |
| Loan and lease loss provision to assets | 0.2085% | 1,775 |
| Net operating income to assets | 1.0233% | 2,235 |
| Return on assets (ROA) | 1.0274% | 2,275 |
| Pretax return on assets | 1.4750% | 1,534 |
| Return on Equity (ROE) | 10.3799% | 1,965 |
| Retained earnings to average equity (ytd only) | -0.7062% | 6,012 |
| Net charge-offs to loans | 0.6366% | 1,019 |
| Credit loss provision to net charge-offs | 47.5594% | 3,874 |
| Earnings coverage of net charge-offs (x) | 3.8268% | 3,746 |
| Efficiency ratio | 70.9999% | 3,670 |
| Assets per employee ($millions) | 3.3151% | 5,252 |
| Cash dividends to net income (ytd only)* | 106.8034% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1431% | 400 |
| Loan loss allowance to noncurrent loans | 252.5880% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 3,191 |
| Noncurrent loans to loans | 1.2444% | 3,055 |
| Net loans and leases to total assets | 70.1357% | 1,988 |
| Net loans and leases to deposits | 79.3354% | 2,548 |
| Net loans and leases to core deposits | 84.5525% | 2,608 |
| Total domestic deposits to total assets | 88.4041% | 1,948 |
| Equity capital to assets | 9.7994% | 4,042 |
| Core capital (leverage) ratio | 9.7652% | 3,887 |
| Tier 1 risk-based capital ratio | 13.5685% | 4,602 |
| Total risk-based capital ratio | 14.8416% | 4,535 |
| Memoranda: | ||
| Average total assets | $911,308,000 | 724 |
| Average earning assets | $842,833,400 | 709 |
| Average equity | $90,202,800 | 780 |
| Average total loans | $627,575,600 | 667 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 4,057 |
| Cost of funding earning assets | 0.3681% | 5,117 |
| Net interest margin | 3.6511% | 3,229 |
| Noninterest income to average assets | 2.4003% | 311 |
| Noninterest expense to average assets | 4.1320% | 737 |
| Loan and lease loss provision to assets | 0.2770% | 1,256 |
| Net operating income to assets | 0.9551% | 2,565 |
| Return on assets (ROA) | 0.9591% | 2,647 |
| Pretax return on assets | 1.3707% | 2,038 |
| Return on Equity (ROE) | 9.6665% | 2,324 |
| Retained earnings to average equity (ytd only) | 0.8507% | 5,641 |
| Net charge-offs to loans | 0.5315% | 1,209 |
| Credit loss provision to net charge-offs | 76.6438% | 2,930 |
| Earnings coverage of net charge-offs (x) | 4.5430% | 3,415 |
| Efficiency ratio | 71.5635% | 3,493 |
| Assets per employee ($millions) | 3.3633% | 5,151 |
| Cash dividends to net income (ytd only)* | 91.1993% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3709% | 383 |
| Loan loss allowance to noncurrent loans | 164.8750% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6732% | 2,457 |
| Noncurrent loans to loans | 2.0445% | 2,200 |
| Net loans and leases to total assets | 68.5675% | 2,220 |
| Net loans and leases to deposits | 77.5187% | 2,733 |
| Net loans and leases to core deposits | 83.3099% | 2,729 |
| Total domestic deposits to total assets | 88.4529% | 1,863 |
| Equity capital to assets | 9.7736% | 4,216 |
| Core capital (leverage) ratio | 9.7222% | 4,072 |
| Tier 1 risk-based capital ratio | 13.5765% | 4,710 |
| Total risk-based capital ratio | 14.8526% | 4,647 |
| Memoranda: | ||
| Average total assets | $914,539,250 | 727 |
| Average earning assets | $845,016,000 | 709 |
| Average equity | $90,744,500 | 782 |
| Average total loans | $621,836,000 | 675 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 4,230 |
| Cost of funding earning assets | 0.3886% | 5,046 |
| Net interest margin | 3.5805% | 3,450 |
| Noninterest income to average assets | 2.5038% | 320 |
| Noninterest expense to average assets | 4.1582% | 732 |
| Loan and lease loss provision to assets | 0.3504% | 950 |
| Net operating income to assets | 0.9199% | 2,696 |
| Return on assets (ROA) | 0.9258% | 2,816 |
| Pretax return on assets | 1.3191% | 2,237 |
| Return on Equity (ROE) | 9.2842% | 2,504 |
| Retained earnings to average equity (ytd only) | 2.6966% | 4,595 |
| Net charge-offs to loans | 0.7001% | 937 |
| Credit loss provision to net charge-offs | 74.6965% | 2,730 |
| Earnings coverage of net charge-offs (x) | 3.5411% | 3,368 |
| Efficiency ratio | 71.4571% | 3,563 |
| Assets per employee ($millions) | 3.2158% | 5,440 |
| Cash dividends to net income (ytd only)* | 70.9555% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5144% | 366 |
| Loan loss allowance to noncurrent loans | 154.8423% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8296% | 2,368 |
| Noncurrent loans to loans | 2.2697% | 2,096 |
| Net loans and leases to total assets | 66.6029% | 2,484 |
| Net loans and leases to deposits | 75.4801% | 2,949 |
| Net loans and leases to core deposits | 80.9538% | 2,916 |
| Total domestic deposits to total assets | 88.2390% | 2,083 |
| Equity capital to assets | 9.9097% | 4,038 |
| Core capital (leverage) ratio | 9.7984% | 3,793 |
| Tier 1 risk-based capital ratio | 13.8770% | 4,510 |
| Total risk-based capital ratio | 15.1544% | 4,457 |
| Memoranda: | ||
| Average total assets | $913,324,330 | 726 |
| Average earning assets | $845,681,670 | 707 |
| Average equity | $91,079,330 | 778 |
| Average total loans | $611,935,000 | 680 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 4,671 |
| Cost of funding earning assets | 0.4109% | 4,998 |
| Net interest margin | 3.4320% | 4,000 |
| Noninterest income to average assets | 2.5351% | 315 |
| Noninterest expense to average assets | 4.0547% | 835 |
| Loan and lease loss provision to assets | 0.4364% | 670 |
| Net operating income to assets | 0.8733% | 2,785 |
| Return on assets (ROA) | 0.8820% | 2,884 |
| Pretax return on assets | 1.2420% | 2,428 |
| Return on Equity (ROE) | 8.8171% | 2,569 |
| Retained earnings to average equity (ytd only) | 4.4544% | 3,563 |
| Net charge-offs to loans | 0.9152% | 664 |
| Credit loss provision to net charge-offs | 72.2543% | 2,257 |
| Earnings coverage of net charge-offs (x) | 2.7587% | 2,948 |
| Efficiency ratio | 70.8750% | 3,812 |
| Assets per employee ($millions) | 3.2745% | 5,491 |
| Cash dividends to net income (ytd only)* | 49.4805% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6339% | 377 |
| Loan loss allowance to noncurrent loans | 147.9370% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.9457% | 2,414 |
| Noncurrent loans to loans | 2.4564% | 2,096 |
| Net loans and leases to total assets | 63.4089% | 2,815 |
| Net loans and leases to deposits | 72.5400% | 3,119 |
| Net loans and leases to core deposits | 78.0842% | 3,051 |
| Total domestic deposits to total assets | 87.4123% | 2,683 |
| Equity capital to assets | 9.9423% | 4,224 |
| Core capital (leverage) ratio | 9.7266% | 3,755 |
| Tier 1 risk-based capital ratio | 14.4078% | 4,237 |
| Total risk-based capital ratio | 15.6874% | 4,186 |
| Memoranda: | ||
| Average total assets | $916,555,500 | 729 |
| Average earning assets | $850,816,500 | 710 |
| Average equity | $91,685,500 | 780 |
| Average total loans | $604,904,500 | 687 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 4,639 |
| Cost of funding earning assets | 0.5456% | 4,854 |
| Net interest margin | 3.6417% | 3,911 |
| Noninterest income to average assets | 2.3259% | 348 |
| Noninterest expense to average assets | 3.9991% | 976 |
| Loan and lease loss provision to assets | 0.9309% | 471 |
| Net operating income to assets | 0.5653% | 4,404 |
| Return on assets (ROA) | 0.5656% | 4,661 |
| Pretax return on assets | 0.7653% | 4,434 |
| Return on Equity (ROE) | 5.6442% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.8644% | 3,473 |
| Net charge-offs to loans | 1.0915% | 971 |
| Credit loss provision to net charge-offs | 129.6383% | 2,167 |
| Earnings coverage of net charge-offs (x) | 2.3616% | 4,231 |
| Efficiency ratio | 70.2236% | 3,766 |
| Assets per employee ($millions) | 3.2030% | 5,617 |
| Cash dividends to net income (ytd only)* | 31.5333% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7566% | 338 |
| Loan loss allowance to noncurrent loans | 134.5711% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 2,201 |
| Noncurrent loans to loans | 2.7916% | 1,885 |
| Net loans and leases to total assets | 63.7127% | 2,945 |
| Net loans and leases to deposits | 73.1395% | 3,233 |
| Net loans and leases to core deposits | 79.8189% | 3,036 |
| Total domestic deposits to total assets | 87.1112% | 2,767 |
| Equity capital to assets | 10.0656% | 4,084 |
| Core capital (leverage) ratio | 9.5904% | 3,979 |
| Tier 1 risk-based capital ratio | 14.3707% | 4,112 |
| Total risk-based capital ratio | 15.6519% | 4,049 |
| Memoranda: | ||
| Average total assets | $897,028,600 | 732 |
| Average earning assets | $829,838,600 | 721 |
| Average equity | $89,897,400 | 777 |
| Average total loans | $590,095,800 | 698 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 4,651 |
| Cost of funding earning assets | 0.5706% | 4,905 |
| Net interest margin | 3.6787% | 3,885 |
| Noninterest income to average assets | 2.2419% | 358 |
| Noninterest expense to average assets | 3.9431% | 1,013 |
| Loan and lease loss provision to assets | 0.9910% | 414 |
| Net operating income to assets | 0.5286% | 4,718 |
| Return on assets (ROA) | 0.5290% | 4,984 |
| Pretax return on assets | 0.7094% | 4,828 |
| Return on Equity (ROE) | 5.2848% | 4,694 |
| Retained earnings to average equity (ytd only) | 5.2848% | 3,168 |
| Net charge-offs to loans | 1.0946% | 934 |
| Credit loss provision to net charge-offs | 137.8524% | 2,088 |
| Earnings coverage of net charge-offs (x) | 2.3644% | 4,095 |
| Efficiency ratio | 69.8772% | 3,710 |
| Assets per employee ($millions) | 3.1273% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7210% | 386 |
| Loan loss allowance to noncurrent loans | 108.0175% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 2.5591% | 2,060 |
| Noncurrent loans to loans | 3.4448% | 1,582 |
| Net loans and leases to total assets | 64.7454% | 2,889 |
| Net loans and leases to deposits | 74.5329% | 3,215 |
| Net loans and leases to core deposits | 81.8033% | 2,988 |
| Total domestic deposits to total assets | 86.8683% | 2,756 |
| Equity capital to assets | 10.2512% | 4,137 |
| Core capital (leverage) ratio | 9.6281% | 4,083 |
| Tier 1 risk-based capital ratio | 14.3275% | 4,314 |
| Total risk-based capital ratio | 15.6088% | 4,261 |
| Memoranda: | ||
| Average total assets | $894,676,250 | 738 |
| Average earning assets | $827,115,000 | 727 |
| Average equity | $89,562,250 | 782 |
| Average total loans | $587,605,250 | 707 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 4,699 |
| Cost of funding earning assets | 0.5946% | 4,945 |
| Net interest margin | 3.6721% | 3,953 |
| Noninterest income to average assets | 2.2063% | 347 |
| Noninterest expense to average assets | 3.9457% | 1,012 |
| Loan and lease loss provision to assets | 1.0406% | 418 |
| Net operating income to assets | 0.4652% | 4,979 |
| Return on assets (ROA) | 0.4659% | 5,212 |
| Pretax return on assets | 0.6136% | 5,089 |
| Return on Equity (ROE) | 4.6920% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.6920% | 3,491 |
| Net charge-offs to loans | 1.0943% | 996 |
| Credit loss provision to net charge-offs | 145.9510% | 1,899 |
| Earnings coverage of net charge-offs (x) | 2.3189% | 3,838 |
| Efficiency ratio | 70.4716% | 3,687 |
| Assets per employee ($millions) | 3.1128% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7604% | 403 |
| Loan loss allowance to noncurrent loans | 85.3957% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 3.3100% | 1,635 |
| Noncurrent loans to loans | 4.4035% | 1,212 |
| Net loans and leases to total assets | 63.9712% | 3,042 |
| Net loans and leases to deposits | 73.8646% | 3,318 |
| Net loans and leases to core deposits | 81.0861% | 3,073 |
| Total domestic deposits to total assets | 86.6060% | 3,006 |
| Equity capital to assets | 10.1763% | 4,086 |
| Core capital (leverage) ratio | 9.3488% | 4,373 |
| Tier 1 risk-based capital ratio | 14.2187% | 4,291 |
| Total risk-based capital ratio | 15.5006% | 4,234 |
| Memoranda: | ||
| Average total assets | $893,722,330 | 743 |
| Average earning assets | $825,750,000 | 731 |
| Average equity | $88,747,000 | 783 |
| Average total loans | $582,282,330 | 706 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 4,905 |
| Cost of funding earning assets | 0.6083% | 5,065 |
| Net interest margin | 3.6480% | 4,050 |
| Noninterest income to average assets | 2.0731% | 381 |
| Noninterest expense to average assets | 3.9939% | 943 |
| Loan and lease loss provision to assets | 0.9348% | 463 |
| Net operating income to assets | 0.4059% | 5,229 |
| Return on assets (ROA) | 0.4073% | 5,408 |
| Pretax return on assets | 0.5204% | 5,362 |
| Return on Equity (ROE) | 4.1525% | 5,222 |
| Retained earnings to average equity (ytd only) | 4.1525% | 4,101 |
| Net charge-offs to loans | 1.1629% | 885 |
| Credit loss provision to net charge-offs | 124.6291% | 1,920 |
| Earnings coverage of net charge-offs (x) | 1.9377% | 3,364 |
| Efficiency ratio | 73.3186% | 3,197 |
| Assets per employee ($millions) | 3.3453% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5843% | 506 |
| Loan loss allowance to noncurrent loans | 81.0474% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 3.2251% | 1,793 |
| Noncurrent loans to loans | 4.4225% | 1,332 |
| Net loans and leases to total assets | 61.9946% | 3,258 |
| Net loans and leases to deposits | 71.0260% | 3,583 |
| Net loans and leases to core deposits | 77.9757% | 3,325 |
| Total domestic deposits to total assets | 87.2844% | 2,780 |
| Equity capital to assets | 9.6937% | 4,531 |
| Core capital (leverage) ratio | 9.1665% | 4,576 |
| Tier 1 risk-based capital ratio | 14.0754% | 4,414 |
| Total risk-based capital ratio | 15.3550% | 4,366 |
| Memoranda: | ||
| Average total assets | $898,563,500 | 738 |
| Average earning assets | $831,134,500 | 725 |
| Average equity | $88,139,000 | 787 |
| Average total loans | $579,609,500 | 713 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 5,177 |
| Cost of funding earning assets | 0.7538% | 5,179 |
| Net interest margin | 3.7169% | 4,220 |
| Noninterest income to average assets | 1.8345% | 432 |
| Noninterest expense to average assets | 3.7753% | 1,393 |
| Loan and lease loss provision to assets | 1.3852% | 565 |
| Net operating income to assets | 0.1406% | 5,765 |
| Return on assets (ROA) | 0.1406% | 5,897 |
| Pretax return on assets | 0.1109% | 5,953 |
| Return on Equity (ROE) | 1.4376% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.4376% | 5,180 |
| Net charge-offs to loans | 2.8600% | 360 |
| Credit loss provision to net charge-offs | 72.8417% | 4,740 |
| Earnings coverage of net charge-offs (x) | 0.7868% | 5,202 |
| Efficiency ratio | 71.6180% | 3,655 |
| Assets per employee ($millions) | 3.2735% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6072% | 501 |
| Loan loss allowance to noncurrent loans | 80.0194% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 3.3311% | 1,781 |
| Noncurrent loans to loans | 4.5079% | 1,322 |
| Net loans and leases to total assets | 62.3811% | 3,524 |
| Net loans and leases to deposits | 71.6265% | 3,857 |
| Net loans and leases to core deposits | 79.7516% | 3,478 |
| Total domestic deposits to total assets | 87.0922% | 2,708 |
| Equity capital to assets | 9.9279% | 4,256 |
| Core capital (leverage) ratio | 9.2005% | 4,468 |
| Tier 1 risk-based capital ratio | 14.2108% | 4,168 |
| Total risk-based capital ratio | 15.4905% | 4,110 |
| Memoranda: | ||
| Average total assets | $877,133,000 | 745 |
| Average earning assets | $811,052,600 | 727 |
| Average equity | $85,769,400 | 782 |
| Average total loans | $583,209,200 | 721 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 5,335 |
| Cost of funding earning assets | 0.7775% | 5,293 |
| Net interest margin | 3.6958% | 4,350 |
| Noninterest income to average assets | 1.8099% | 443 |
| Noninterest expense to average assets | 3.7799% | 1,338 |
| Loan and lease loss provision to assets | 1.8124% | 330 |
| Net operating income to assets | -0.1727% | 6,356 |
| Return on assets (ROA) | -0.1727% | 6,431 |
| Pretax return on assets | -0.3640% | 6,540 |
| Return on Equity (ROE) | -1.7730% | 6,458 |
| Retained earnings to average equity (ytd only) | -1.7730% | 6,270 |
| Net charge-offs to loans | 2.8909% | 338 |
| Credit loss provision to net charge-offs | 93.6565% | 3,640 |
| Earnings coverage of net charge-offs (x) | 0.7485% | 5,051 |
| Efficiency ratio | 72.2975% | 3,494 |
| Assets per employee ($millions) | 3.3479% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1614% | 354 |
| Loan loss allowance to noncurrent loans | 81.7925% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 3.8112% | 1,627 |
| Noncurrent loans to loans | 5.0877% | 1,211 |
| Net loans and leases to total assets | 62.7537% | 3,557 |
| Net loans and leases to deposits | 71.7466% | 4,023 |
| Net loans and leases to core deposits | 80.5766% | 3,552 |
| Total domestic deposits to total assets | 87.4659% | 2,371 |
| Equity capital to assets | 9.5134% | 5,063 |
| Core capital (leverage) ratio | 8.8770% | 5,146 |
| Tier 1 risk-based capital ratio | 13.1817% | 4,960 |
| Total risk-based capital ratio | 14.4678% | 4,909 |
| Memoranda: | ||
| Average total assets | $875,452,250 | 754 |
| Average earning assets | $809,736,000 | 736 |
| Average equity | $85,274,750 | 793 |
| Average total loans | $586,013,500 | 723 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 5,234 |
| Cost of funding earning assets | 0.8086% | 5,311 |
| Net interest margin | 3.7285% | 4,127 |
| Noninterest income to average assets | 1.8718% | 396 |
| Noninterest expense to average assets | 3.7593% | 1,427 |
| Loan and lease loss provision to assets | 1.3574% | 540 |
| Net operating income to assets | 0.2061% | 5,718 |
| Return on assets (ROA) | 0.2061% | 5,835 |
| Pretax return on assets | 0.2059% | 5,925 |
| Return on Equity (ROE) | 2.0995% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.0995% | 4,934 |
| Net charge-offs to loans | 1.9422% | 699 |
| Credit loss provision to net charge-offs | 103.6360% | 2,983 |
| Earnings coverage of net charge-offs (x) | 1.1936% | 4,389 |
| Efficiency ratio | 70.6289% | 4,004 |
| Assets per employee ($millions) | 3.2271% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3905% | 305 |
| Loan loss allowance to noncurrent loans | 81.2204% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 4.2017% | 1,511 |
| Noncurrent loans to loans | 5.4056% | 1,171 |
| Net loans and leases to total assets | 64.1194% | 3,437 |
| Net loans and leases to deposits | 74.2502% | 3,763 |
| Net loans and leases to core deposits | 83.4721% | 3,293 |
| Total domestic deposits to total assets | 86.3558% | 3,123 |
| Equity capital to assets | 10.1011% | 4,015 |
| Core capital (leverage) ratio | 9.3513% | 4,171 |
| Tier 1 risk-based capital ratio | 14.0692% | 4,122 |
| Total risk-based capital ratio | 15.3584% | 4,060 |
| Memoranda: | ||
| Average total assets | $869,305,000 | 763 |
| Average earning assets | $804,551,670 | 753 |
| Average equity | $85,353,000 | 790 |
| Average total loans | $586,248,330 | 731 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 5,297 |
| Cost of funding earning assets | 0.8344% | 5,371 |
| Net interest margin | 3.6778% | 4,213 |
| Noninterest income to average assets | 1.7523% | 447 |
| Noninterest expense to average assets | 3.6613% | 1,626 |
| Loan and lease loss provision to assets | 1.2827% | 539 |
| Net operating income to assets | 0.2130% | 5,747 |
| Return on assets (ROA) | 0.2130% | 5,809 |
| Pretax return on assets | 0.2149% | 5,902 |
| Return on Equity (ROE) | 2.2009% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.2009% | 4,823 |
| Net charge-offs to loans | 1.8758% | 689 |
| Credit loss provision to net charge-offs | 101.1195% | 2,610 |
| Earnings coverage of net charge-offs (x) | 1.1806% | 3,770 |
| Efficiency ratio | 70.9706% | 4,063 |
| Assets per employee ($millions) | 3.4040% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3541% | 328 |
| Loan loss allowance to noncurrent loans | 90.7009% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 3.6615% | 1,853 |
| Noncurrent loans to loans | 4.8005% | 1,419 |
| Net loans and leases to total assets | 62.5321% | 3,750 |
| Net loans and leases to deposits | 72.1506% | 4,055 |
| Net loans and leases to core deposits | 81.6184% | 3,513 |
| Total domestic deposits to total assets | 86.6689% | 3,138 |
| Equity capital to assets | 9.6649% | 4,229 |
| Core capital (leverage) ratio | 9.1699% | 4,339 |
| Tier 1 risk-based capital ratio | 13.9803% | 4,084 |
| Total risk-based capital ratio | 15.2692% | 4,039 |
| Memoranda: | ||
| Average total assets | $873,144,000 | 767 |
| Average earning assets | $808,748,500 | 756 |
| Average equity | $84,512,500 | 785 |
| Average total loans | $590,452,500 | 732 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 4,854 |
| Cost of funding earning assets | 1.0757% | 5,280 |
| Net interest margin | 3.8601% | 3,689 |
| Noninterest income to average assets | 1.7433% | 496 |
| Noninterest expense to average assets | 3.5358% | 2,081 |
| Loan and lease loss provision to assets | 2.4619% | 460 |
| Net operating income to assets | -0.3733% | 6,286 |
| Return on assets (ROA) | -0.3711% | 6,310 |
| Pretax return on assets | -0.6815% | 6,447 |
| Return on Equity (ROE) | -4.2395% | 6,373 |
| Retained earnings to average equity (ytd only) | -4.2395% | 6,222 |
| Net charge-offs to loans | 2.5897% | 715 |
| Credit loss provision to net charge-offs | 131.3846% | 3,008 |
| Earnings coverage of net charge-offs (x) | 0.9483% | 5,161 |
| Efficiency ratio | 66.5540% | 4,856 |
| Assets per employee ($millions) | 3.2872% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1780% | 343 |
| Loan loss allowance to noncurrent loans | 86.0479% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 3.8922% | 1,753 |
| Noncurrent loans to loans | 4.8554% | 1,416 |
| Net loans and leases to total assets | 67.0090% | 3,224 |
| Net loans and leases to deposits | 77.6943% | 3,558 |
| Net loans and leases to core deposits | 86.0715% | 3,308 |
| Total domestic deposits to total assets | 86.2470% | 3,233 |
| Equity capital to assets | 9.6937% | 4,146 |
| Core capital (leverage) ratio | 9.2084% | 4,157 |
| Tier 1 risk-based capital ratio | 13.4188% | 4,281 |
| Total risk-based capital ratio | 14.7063% | 4,216 |
| Memoranda: | ||
| Average total assets | $874,515,000 | 774 |
| Average earning assets | $808,659,600 | 751 |
| Average equity | $76,542,600 | 860 |
| Average total loans | $632,783,600 | 698 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 4,911 |
| Cost of funding earning assets | 1.1282% | 5,263 |
| Net interest margin | 3.8505% | 3,750 |
| Noninterest income to average assets | 1.6521% | 513 |
| Noninterest expense to average assets | 3.4838% | 2,068 |
| Loan and lease loss provision to assets | 2.5213% | 412 |
| Net operating income to assets | -0.4424% | 6,553 |
| Return on assets (ROA) | -0.4394% | 6,590 |
| Pretax return on assets | -0.7887% | 6,732 |
| Return on Equity (ROE) | -5.1563% | 6,659 |
| Retained earnings to average equity (ytd only) | -5.1563% | 6,566 |
| Net charge-offs to loans | 2.7334% | 593 |
| Credit loss provision to net charge-offs | 126.4377% | 3,226 |
| Earnings coverage of net charge-offs (x) | 0.8665% | 5,183 |
| Efficiency ratio | 66.8464% | 4,688 |
| Assets per employee ($millions) | 3.3713% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7930% | 435 |
| Loan loss allowance to noncurrent loans | 81.0957% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 3.9032% | 1,807 |
| Noncurrent loans to loans | 4.6772% | 1,518 |
| Net loans and leases to total assets | 69.8552% | 2,763 |
| Net loans and leases to deposits | 80.2606% | 3,399 |
| Net loans and leases to core deposits | 89.8681% | 3,113 |
| Total domestic deposits to total assets | 87.0354% | 2,508 |
| Equity capital to assets | 8.7845% | 5,882 |
| Core capital (leverage) ratio | 8.3053% | 5,863 |
| Tier 1 risk-based capital ratio | 11.5863% | 5,841 |
| Total risk-based capital ratio | 12.8688% | 5,799 |
| Memoranda: | ||
| Average total assets | $877,832,750 | 768 |
| Average earning assets | $811,518,000 | 754 |
| Average equity | $74,806,750 | 880 |
| Average total loans | $640,411,000 | 690 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 5,208 |
| Cost of funding earning assets | 1.1799% | 5,237 |
| Net interest margin | 3.7635% | 4,074 |
| Noninterest income to average assets | 1.4156% | 632 |
| Noninterest expense to average assets | 3.3679% | 2,347 |
| Loan and lease loss provision to assets | 3.0357% | 317 |
| Net operating income to assets | -0.9089% | 6,907 |
| Return on assets (ROA) | -0.9044% | 6,923 |
| Pretax return on assets | -1.4973% | 7,074 |
| Return on Equity (ROE) | -10.7187% | 6,990 |
| Retained earnings to average equity (ytd only) | -10.7187% | 6,945 |
| Net charge-offs to loans | 3.1224% | 498 |
| Credit loss provision to net charge-offs | 133.0629% | 3,024 |
| Earnings coverage of net charge-offs (x) | 0.6713% | 5,073 |
| Efficiency ratio | 68.7428% | 4,436 |
| Assets per employee ($millions) | 3.3878% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6463% | 493 |
| Loan loss allowance to noncurrent loans | 74.9334% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 4.1105% | 1,657 |
| Noncurrent loans to loans | 4.8661% | 1,442 |
| Net loans and leases to total assets | 72.5987% | 2,259 |
| Net loans and leases to deposits | 84.2201% | 2,833 |
| Net loans and leases to core deposits | 95.0627% | 2,581 |
| Total domestic deposits to total assets | 86.2011% | 2,972 |
| Equity capital to assets | 8.6602% | 5,932 |
| Core capital (leverage) ratio | 7.8305% | 6,464 |
| Tier 1 risk-based capital ratio | 11.1040% | 6,137 |
| Total risk-based capital ratio | 12.3853% | 6,095 |
| Memoranda: | ||
| Average total assets | $886,127,330 | 761 |
| Average earning assets | $820,242,670 | 742 |
| Average equity | $74,766,670 | 877 |
| Average total loans | $647,441,330 | 686 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 6,416 |
| Cost of funding earning assets | 1.1750% | 5,532 |
| Net interest margin | 3.4729% | 5,275 |
| Noninterest income to average assets | 1.7236% | 433 |
| Noninterest expense to average assets | 3.5659% | 1,810 |
| Loan and lease loss provision to assets | 3.0054% | 330 |
| Net operating income to assets | -0.9719% | 7,090 |
| Return on assets (ROA) | -0.9719% | 7,118 |
| Pretax return on assets | -1.6822% | 7,310 |
| Return on Equity (ROE) | -12.0584% | 7,216 |
| Retained earnings to average equity (ytd only) | -12.0584% | 7,069 |
| Net charge-offs to loans | 3.6551% | 379 |
| Credit loss provision to net charge-offs | 127.8645% | 2,756 |
| Earnings coverage of net charge-offs (x) | 0.5629% | 4,527 |
| Efficiency ratio | 72.9363% | 3,770 |
| Assets per employee ($millions) | 5.5077% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0630% | 357 |
| Loan loss allowance to noncurrent loans | 61.2449% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 4.8970% | 1,328 |
| Noncurrent loans to loans | 6.6340% | 936 |
| Net loans and leases to total assets | 61.0993% | 4,927 |
| Net loans and leases to deposits | 70.3419% | 5,294 |
| Net loans and leases to core deposits | 78.6386% | 4,946 |
| Total domestic deposits to total assets | 86.8604% | 2,701 |
| Equity capital to assets | 8.2838% | 6,323 |
| Core capital (leverage) ratio | 7.8121% | 6,482 |
| Tier 1 risk-based capital ratio | 12.0791% | 5,108 |
| Total risk-based capital ratio | 13.3632% | 5,044 |
| Memoranda: | ||
| Average total assets | $512,412,000 | 1,355 |
| Average earning assets | $467,050,500 | 1,361 |
| Average equity | $41,299,000 | 1,619 |
| Average total loans | $329,512,500 | 1,430 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2747% | 5,304 |
| Cost of funding earning assets | 1.4729% | 5,623 |
| Net interest margin | 3.8018% | 3,702 |
| Noninterest income to average assets | 1.8879% | 414 |
| Noninterest expense to average assets | 4.0203% | 1,335 |
| Loan and lease loss provision to assets | 3.6096% | 421 |
| Net operating income to assets | -1.3697% | 6,801 |
| Return on assets (ROA) | -1.3697% | 6,801 |
| Pretax return on assets | -2.2469% | 7,040 |
| Return on Equity (ROE) | -17.7452% | 7,065 |
| Retained earnings to average equity (ytd only) | -17.7452% | 7,016 |
| Net charge-offs to loans | 4.8946% | 276 |
| Credit loss provision to net charge-offs | 104.6795% | 5,286 |
| Earnings coverage of net charge-offs (x) | 0.3952% | 5,720 |
| Efficiency ratio | 69.3392% | 4,764 |
| Assets per employee ($millions) | 5.5119% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7303% | 434 |
| Loan loss allowance to noncurrent loans | 56.9495% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 4.7668% | 1,323 |
| Noncurrent loans to loans | 6.5502% | 910 |
| Net loans and leases to total assets | 62.5031% | 4,898 |
| Net loans and leases to deposits | 71.9940% | 5,331 |
| Net loans and leases to core deposits | 87.6647% | 5,363 |
| Total domestic deposits to total assets | 86.8171% | 2,598 |
| Equity capital to assets | 7.8358% | 6,730 |
| Core capital (leverage) ratio | 7.3365% | 6,950 |
| Tier 1 risk-based capital ratio | 11.2409% | 5,677 |
| Total risk-based capital ratio | 12.5214% | 5,593 |
| Memoranda: | ||
| Average total assets | $512,528,800 | 1,343 |
| Average earning assets | $471,176,800 | 1,338 |
| Average equity | $39,560,000 | 1,700 |
| Average total loans | $361,069,600 | 1,337 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 5,247 |
| Cost of funding earning assets | 1.5306% | 5,714 |
| Net interest margin | 3.8045% | 3,636 |
| Noninterest income to average assets | 1.8762% | 423 |
| Noninterest expense to average assets | 4.0997% | 1,149 |
| Loan and lease loss provision to assets | 3.8242% | 323 |
| Net operating income to assets | -1.5783% | 7,150 |
| Return on assets (ROA) | -1.5783% | 7,146 |
| Pretax return on assets | -2.5487% | 7,364 |
| Return on Equity (ROE) | -20.5265% | 7,390 |
| Retained earnings to average equity (ytd only) | -20.5265% | 7,357 |
| Net charge-offs to loans | 3.5899% | 413 |
| Credit loss provision to net charge-offs | 148.3051% | 3,254 |
| Earnings coverage of net charge-offs (x) | 0.4947% | 5,537 |
| Efficiency ratio | 69.1317% | 4,759 |
| Assets per employee ($millions) | 5.4640% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5865% | 194 |
| Loan loss allowance to noncurrent loans | 72.0014% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 4.8272% | 1,224 |
| Noncurrent loans to loans | 6.3700% | 912 |
| Net loans and leases to total assets | 64.9464% | 4,657 |
| Net loans and leases to deposits | 74.7438% | 5,256 |
| Net loans and leases to core deposits | 88.1837% | 5,625 |
| Total domestic deposits to total assets | 86.8920% | 2,238 |
| Equity capital to assets | 7.9103% | 6,932 |
| Core capital (leverage) ratio | 7.4670% | 7,017 |
| Tier 1 risk-based capital ratio | 11.2396% | 5,701 |
| Total risk-based capital ratio | 12.5308% | 5,599 |
| Memoranda: | ||
| Average total assets | $512,508,500 | 1,358 |
| Average earning assets | $471,365,250 | 1,358 |
| Average equity | $39,408,250 | 1,726 |
| Average total loans | $368,134,000 | 1,323 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4983% | 4,646 |
| Cost of funding earning assets | 1.6123% | 5,697 |
| Net interest margin | 3.8859% | 3,176 |
| Noninterest income to average assets | 2.1538% | 327 |
| Noninterest expense to average assets | 4.5644% | 730 |
| Loan and lease loss provision to assets | 3.3432% | 437 |
| Net operating income to assets | -1.3558% | 7,188 |
| Return on assets (ROA) | -1.3558% | 7,192 |
| Pretax return on assets | -2.1829% | 7,339 |
| Return on Equity (ROE) | -17.8078% | 7,449 |
| Retained earnings to average equity (ytd only) | -17.8078% | 7,387 |
| Net charge-offs to loans | 4.0427% | 348 |
| Credit loss provision to net charge-offs | 113.0921% | 4,100 |
| Earnings coverage of net charge-offs (x) | 0.3925% | 5,293 |
| Efficiency ratio | 69.5981% | 4,862 |
| Assets per employee ($millions) | 5.1308% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4034% | 409 |
| Loan loss allowance to noncurrent loans | 88.7602% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 3.4393% | 1,814 |
| Noncurrent loans to loans | 3.8344% | 1,775 |
| Net loans and leases to total assets | 70.2478% | 3,635 |
| Net loans and leases to deposits | 81.6018% | 4,285 |
| Net loans and leases to core deposits | 94.7910% | 5,027 |
| Total domestic deposits to total assets | 86.0861% | 2,739 |
| Equity capital to assets | 8.0680% | 6,667 |
| Core capital (leverage) ratio | 7.6061% | 6,894 |
| Tier 1 risk-based capital ratio | 10.9179% | 5,965 |
| Total risk-based capital ratio | 12.1971% | 5,872 |
| Memoranda: | ||
| Average total assets | $508,497,000 | 1,390 |
| Average earning assets | $467,275,670 | 1,384 |
| Average equity | $38,713,330 | 1,761 |
| Average total loans | $371,829,330 | 1,330 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 4,712 |
| Cost of funding earning assets | 1.7061% | 5,573 |
| Net interest margin | 3.8310% | 3,331 |
| Noninterest income to average assets | 2.0150% | 363 |
| Noninterest expense to average assets | 5.1213% | 442 |
| Loan and lease loss provision to assets | 3.6165% | 283 |
| Net operating income to assets | -2.0803% | 7,682 |
| Return on assets (ROA) | -2.0803% | 7,678 |
| Pretax return on assets | -3.1920% | 7,788 |
| Return on Equity (ROE) | -28.1643% | 7,886 |
| Retained earnings to average equity (ytd only) | -28.1643% | 7,829 |
| Net charge-offs to loans | 4.2418% | 280 |
| Credit loss provision to net charge-offs | 116.2791% | 3,351 |
| Earnings coverage of net charge-offs (x) | 0.1365% | 4,864 |
| Efficiency ratio | 71.4346% | 4,281 |
| Assets per employee ($millions) | 5.2759% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3108% | 373 |
| Loan loss allowance to noncurrent loans | 75.7399% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 3.6728% | 1,442 |
| Noncurrent loans to loans | 4.3712% | 1,333 |
| Net loans and leases to total assets | 67.7103% | 4,204 |
| Net loans and leases to deposits | 80.3485% | 4,558 |
| Net loans and leases to core deposits | 90.6929% | 5,487 |
| Total domestic deposits to total assets | 84.2708% | 3,568 |
| Equity capital to assets | 7.5417% | 7,318 |
| Core capital (leverage) ratio | 7.5385% | 7,106 |
| Tier 1 risk-based capital ratio | 10.2895% | 6,602 |
| Total risk-based capital ratio | 11.5662% | 6,501 |
| Memoranda: | ||
| Average total assets | $508,773,000 | 1,396 |
| Average earning assets | $468,908,500 | 1,386 |
| Average equity | $37,579,500 | 1,813 |
| Average total loans | $373,048,000 | 1,345 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2733% | 4,103 |
| Cost of funding earning assets | 2.2913% | 5,198 |
| Net interest margin | 3.9821% | 3,207 |
| Noninterest income to average assets | 1.9743% | 354 |
| Noninterest expense to average assets | 3.8446% | 1,670 |
| Loan and lease loss provision to assets | 2.3635% | 463 |
| Net operating income to assets | -0.2302% | 6,654 |
| Return on assets (ROA) | -0.2190% | 6,487 |
| Pretax return on assets | -0.5611% | 6,700 |
| Return on Equity (ROE) | -2.7093% | 6,584 |
| Retained earnings to average equity (ytd only) | -16.4691% | 7,540 |
| Net charge-offs to loans | 1.7923% | 613 |
| Credit loss provision to net charge-offs | 173.7871% | 2,934 |
| Earnings coverage of net charge-offs (x) | 1.3124% | 5,470 |
| Efficiency ratio | 68.2943% | 4,672 |
| Assets per employee ($millions) | 4.8035% | 2,174 |
| Cash dividends to net income (ytd only)* | -507.8777% | 8,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0767% | 409 |
| Loan loss allowance to noncurrent loans | 102.8217% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.9751% | 1,550 |
| Noncurrent loans to loans | 2.9923% | 1,792 |
| Net loans and leases to total assets | 74.5052% | 2,990 |
| Net loans and leases to deposits | 87.0978% | 3,929 |
| Net loans and leases to core deposits | 103.3563% | 4,459 |
| Total domestic deposits to total assets | 85.5421% | 2,609 |
| Equity capital to assets | 7.2190% | 7,611 |
| Core capital (leverage) ratio | 6.7270% | 7,850 |
| Tier 1 risk-based capital ratio | 8.8874% | 7,854 |
| Total risk-based capital ratio | 10.1604% | 7,863 |
| Memoranda: | ||
| Average total assets | $492,583,000 | 1,378 |
| Average earning assets | $452,151,600 | 1,376 |
| Average equity | $39,826,000 | 1,694 |
| Average total loans | $373,762,400 | 1,301 |