Home > United Bank & Trust Company > Performance and Condition Ratios
United Bank & Trust Company, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,269 |
| Cost of funding earning assets | 0.4560% | 2,483 |
| Net interest margin | 3.5232% | 3,342 |
| Noninterest income to average assets | 0.5601% | 2,866 |
| Noninterest expense to average assets | 3.4932% | 1,170 |
| Loan and lease loss provision to assets | 0.0002% | 4,330 |
| Net operating income to assets | 0.2172% | 5,386 |
| Return on assets (ROA) | 0.4642% | 4,837 |
| Pretax return on assets | 0.6623% | 4,614 |
| Return on Equity (ROE) | 3.6109% | 4,975 |
| Retained earnings to average equity (ytd only) | -12.0344% | 5,804 |
| Net charge-offs to loans | 0.0308% | 3,405 |
| Credit loss provision to net charge-offs | 1.0526% | 3,779 |
| Earnings coverage of net charge-offs (x) | 16.2105% | 2,133 |
| Efficiency ratio | 91.8557% | 465 |
| Assets per employee ($millions) | 3.8160% | 4,275 |
| Cash dividends to net income (ytd only)* | 433.2756% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,792 |
| Loan loss allowance to noncurrent loans | 205.0381% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 1,747 |
| Noncurrent loans to loans | 0.5296% | 3,262 |
| Net loans and leases to total assets | 67.3719% | 2,875 |
| Net loans and leases to deposits | 81.7318% | 2,700 |
| Net loans and leases to core deposits | 83.4941% | 3,074 |
| Total domestic deposits to total assets | 82.4305% | 3,954 |
| Equity capital to assets | 12.1762% | 1,694 |
| Core capital (leverage) ratio | 12.3801% | 1,390 |
| Tier 1 risk-based capital ratio | 15.5388% | 2,737 |
| Total risk-based capital ratio | 16.4736% | 2,808 |
| Memoranda: | ||
| Average total assets | $497,226,600 | 1,385 |
| Average earning assets | $457,646,600 | 1,397 |
| Average equity | $63,916,800 | 1,229 |
| Average total loans | $308,306,400 | 1,485 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 3,442 |
| Cost of funding earning assets | 0.5451% | 1,747 |
| Net interest margin | 3.4007% | 3,835 |
| Noninterest income to average assets | 0.5402% | 2,979 |
| Noninterest expense to average assets | 3.5174% | 1,121 |
| Loan and lease loss provision to assets | -0.0265% | 5,686 |
| Net operating income to assets | 0.1276% | 5,588 |
| Return on assets (ROA) | 0.4525% | 4,952 |
| Pretax return on assets | 0.6457% | 4,752 |
| Return on Equity (ROE) | 3.4772% | 5,091 |
| Retained earnings to average equity (ytd only) | -6.7019% | 5,785 |
| Net charge-offs to loans | 0.0267% | 3,133 |
| Credit loss provision to net charge-offs | -163.9344% | 4,825 |
| Earnings coverage of net charge-offs (x) | 9.5903% | 2,671 |
| Efficiency ratio | 95.7795% | 323 |
| Assets per employee ($millions) | 3.6452% | 4,578 |
| Cash dividends to net income (ytd only)* | 292.7396% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,727 |
| Loan loss allowance to noncurrent loans | 213.6279% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.4060% | 1,323 |
| Noncurrent loans to loans | 0.5247% | 3,421 |
| Net loans and leases to total assets | 64.9020% | 3,282 |
| Net loans and leases to deposits | 80.4733% | 2,911 |
| Net loans and leases to core deposits | 82.5667% | 3,243 |
| Total domestic deposits to total assets | 80.6504% | 4,340 |
| Equity capital to assets | 13.5224% | 1,238 |
| Core capital (leverage) ratio | 12.4606% | 1,410 |
| Tier 1 risk-based capital ratio | 17.5434% | 2,059 |
| Total risk-based capital ratio | 18.5059% | 2,108 |
| Memoranda: | ||
| Average total assets | $503,238,750 | 1,374 |
| Average earning assets | $463,505,750 | 1,373 |
| Average equity | $65,492,250 | 1,206 |
| Average total loans | $304,810,750 | 1,503 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 3,676 |
| Cost of funding earning assets | 0.5565% | 1,648 |
| Net interest margin | 3.3185% | 4,162 |
| Noninterest income to average assets | 0.5397% | 2,957 |
| Noninterest expense to average assets | 3.0109% | 2,310 |
| Loan and lease loss provision to assets | -0.0252% | 5,793 |
| Net operating income to assets | 0.4317% | 4,934 |
| Return on assets (ROA) | 0.4458% | 4,972 |
| Pretax return on assets | 0.6328% | 4,810 |
| Return on Equity (ROE) | 3.4665% | 5,106 |
| Retained earnings to average equity (ytd only) | -11.6184% | 5,899 |
| Net charge-offs to loans | 0.0197% | 3,103 |
| Credit loss provision to net charge-offs | -216.6667% | 4,737 |
| Earnings coverage of net charge-offs (x) | 50.4667% | 988 |
| Efficiency ratio | 83.6748% | 1,080 |
| Assets per employee ($millions) | 3.9911% | 3,921 |
| Cash dividends to net income (ytd only)* | 435.1610% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,689 |
| Loan loss allowance to noncurrent loans | 165.2030% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4540% | 1,334 |
| Noncurrent loans to loans | 0.6931% | 2,997 |
| Net loans and leases to total assets | 59.1299% | 3,994 |
| Net loans and leases to deposits | 80.1861% | 2,909 |
| Net loans and leases to core deposits | 82.3512% | 3,233 |
| Total domestic deposits to total assets | 73.7408% | 5,547 |
| Equity capital to assets | 12.5442% | 1,744 |
| Core capital (leverage) ratio | 12.0509% | 1,594 |
| Tier 1 risk-based capital ratio | 17.2317% | 2,147 |
| Total risk-based capital ratio | 18.2039% | 2,196 |
| Memoranda: | ||
| Average total assets | $515,455,670 | 1,343 |
| Average earning assets | $475,089,670 | 1,339 |
| Average equity | $66,291,670 | 1,186 |
| Average total loans | $304,328,330 | 1,510 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 3,679 |
| Cost of funding earning assets | 0.5633% | 1,598 |
| Net interest margin | 3.3125% | 4,181 |
| Noninterest income to average assets | 0.4388% | 3,553 |
| Noninterest expense to average assets | 3.0115% | 2,355 |
| Loan and lease loss provision to assets | -0.0572% | 5,953 |
| Net operating income to assets | 0.3732% | 5,075 |
| Return on assets (ROA) | 0.3770% | 5,136 |
| Pretax return on assets | 0.5338% | 4,999 |
| Return on Equity (ROE) | 2.8963% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.8963% | 4,069 |
| Net charge-offs to loans | 0.0250% | 2,432 |
| Credit loss provision to net charge-offs | -389.4737% | 4,486 |
| Earnings coverage of net charge-offs (x) | 32.1053% | 1,145 |
| Efficiency ratio | 86.4685% | 936 |
| Assets per employee ($millions) | 3.9767% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 3,817 |
| Loan loss allowance to noncurrent loans | 160.7438% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 2.0484% | 839 |
| Noncurrent loans to loans | 0.7111% | 3,067 |
| Net loans and leases to total assets | 58.1174% | 4,033 |
| Net loans and leases to deposits | 79.3160% | 2,878 |
| Net loans and leases to core deposits | 81.5584% | 3,173 |
| Total domestic deposits to total assets | 73.2733% | 5,668 |
| Equity capital to assets | 13.0676% | 1,379 |
| Core capital (leverage) ratio | 12.9295% | 1,185 |
| Tier 1 risk-based capital ratio | 18.4314% | 1,877 |
| Total risk-based capital ratio | 19.4039% | 1,906 |
| Memoranda: | ||
| Average total assets | $517,755,000 | 1,338 |
| Average earning assets | $475,775,500 | 1,332 |
| Average equity | $67,396,000 | 1,164 |
| Average total loans | $303,708,500 | 1,505 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 3,344 |
| Cost of funding earning assets | 0.5900% | 1,435 |
| Net interest margin | 3.4012% | 3,910 |
| Noninterest income to average assets | 0.6189% | 2,626 |
| Noninterest expense to average assets | 3.1754% | 2,019 |
| Loan and lease loss provision to assets | -0.5668% | 6,136 |
| Net operating income to assets | 0.7455% | 3,594 |
| Return on assets (ROA) | 0.7487% | 3,676 |
| Pretax return on assets | 1.1062% | 3,023 |
| Return on Equity (ROE) | 5.9019% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.9019% | 1,841 |
| Net charge-offs to loans | -0.0071% | 5,033 |
| Credit loss provision to net charge-offs | 14,635.0000% | 19 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2446% | 1,252 |
| Assets per employee ($millions) | 3.8688% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 3,527 |
| Loan loss allowance to noncurrent loans | 153.1969% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 2.1906% | 772 |
| Noncurrent loans to loans | 0.7790% | 2,837 |
| Net loans and leases to total assets | 57.8279% | 4,110 |
| Net loans and leases to deposits | 78.7167% | 2,974 |
| Net loans and leases to core deposits | 81.2269% | 3,225 |
| Total domestic deposits to total assets | 73.4633% | 5,691 |
| Equity capital to assets | 12.9657% | 1,365 |
| Core capital (leverage) ratio | 12.8875% | 1,192 |
| Tier 1 risk-based capital ratio | 18.6654% | 1,785 |
| Total risk-based capital ratio | 19.6840% | 1,796 |
| Memoranda: | ||
| Average total assets | $516,382,200 | 1,299 |
| Average earning assets | $469,305,800 | 1,319 |
| Average equity | $65,504,400 | 1,153 |
| Average total loans | $281,231,200 | 1,549 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 3,262 |
| Cost of funding earning assets | 0.5928% | 1,451 |
| Net interest margin | 3.4265% | 3,851 |
| Noninterest income to average assets | 0.5742% | 2,886 |
| Noninterest expense to average assets | 3.1787% | 2,024 |
| Loan and lease loss provision to assets | -0.6514% | 6,233 |
| Net operating income to assets | 0.7839% | 3,503 |
| Return on assets (ROA) | 0.7881% | 3,574 |
| Pretax return on assets | 1.1619% | 2,962 |
| Return on Equity (ROE) | 6.2471% | 4,030 |
| Retained earnings to average equity (ytd only) | 6.2471% | 2,093 |
| Net charge-offs to loans | 0.0097% | 3,831 |
| Credit loss provision to net charge-offs | -12,625.0000% | 5,740 |
| Earnings coverage of net charge-offs (x) | 97.7353% | 642 |
| Efficiency ratio | 83.9462% | 1,182 |
| Assets per employee ($millions) | 3.7666% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 2,611 |
| Loan loss allowance to noncurrent loans | 158.0503% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 2.3090% | 793 |
| Noncurrent loans to loans | 0.8846% | 2,770 |
| Net loans and leases to total assets | 54.8660% | 4,477 |
| Net loans and leases to deposits | 74.8963% | 3,434 |
| Net loans and leases to core deposits | 77.3866% | 3,661 |
| Total domestic deposits to total assets | 73.2560% | 5,764 |
| Equity capital to assets | 13.0987% | 1,395 |
| Core capital (leverage) ratio | 12.8164% | 1,264 |
| Tier 1 risk-based capital ratio | 19.0435% | 1,765 |
| Total risk-based capital ratio | 20.2025% | 1,756 |
| Memoranda: | ||
| Average total assets | $516,838,750 | 1,308 |
| Average earning assets | $468,915,000 | 1,326 |
| Average equity | $65,201,500 | 1,164 |
| Average total loans | $276,251,250 | 1,593 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 2,718 |
| Cost of funding earning assets | 0.5935% | 1,461 |
| Net interest margin | 3.5571% | 3,258 |
| Noninterest income to average assets | 0.5666% | 2,932 |
| Noninterest expense to average assets | 3.1654% | 2,080 |
| Loan and lease loss provision to assets | -0.7656% | 6,308 |
| Net operating income to assets | 0.9474% | 2,650 |
| Return on assets (ROA) | 0.9534% | 2,732 |
| Pretax return on assets | 1.3937% | 2,008 |
| Return on Equity (ROE) | 7.6529% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.6529% | 1,405 |
| Net charge-offs to loans | -0.0095% | 4,910 |
| Credit loss provision to net charge-offs | 15,300.0000% | 29 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3485% | 1,580 |
| Assets per employee ($millions) | 3.8056% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,773 |
| Loan loss allowance to noncurrent loans | 182.7544% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 2.8423% | 608 |
| Noncurrent loans to loans | 0.8991% | 2,876 |
| Net loans and leases to total assets | 53.5115% | 4,611 |
| Net loans and leases to deposits | 72.7221% | 3,648 |
| Net loans and leases to core deposits | 75.1653% | 3,834 |
| Total domestic deposits to total assets | 73.5836% | 5,828 |
| Equity capital to assets | 12.9468% | 1,431 |
| Core capital (leverage) ratio | 12.5146% | 1,372 |
| Tier 1 risk-based capital ratio | 18.7417% | 1,862 |
| Total risk-based capital ratio | 19.9927% | 1,828 |
| Memoranda: | ||
| Average total assets | $519,620,000 | 1,314 |
| Average earning assets | $470,098,330 | 1,329 |
| Average equity | $64,733,330 | 1,183 |
| Average total loans | $274,019,330 | 1,607 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 3,783 |
| Cost of funding earning assets | 0.5964% | 1,463 |
| Net interest margin | 3.2649% | 4,367 |
| Noninterest income to average assets | 0.7371% | 1,980 |
| Noninterest expense to average assets | 3.1492% | 2,136 |
| Loan and lease loss provision to assets | -0.8739% | 6,377 |
| Net operating income to assets | 0.9659% | 2,419 |
| Return on assets (ROA) | 0.9659% | 2,551 |
| Pretax return on assets | 1.4112% | 1,852 |
| Return on Equity (ROE) | 7.9024% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.9024% | 1,605 |
| Net charge-offs to loans | -0.0015% | 4,339 |
| Credit loss provision to net charge-offs | 115,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1169% | 1,473 |
| Assets per employee ($millions) | 4.0337% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9817% | 1,117 |
| Loan loss allowance to noncurrent loans | 160.2395% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 3.3471% | 515 |
| Noncurrent loans to loans | 1.2367% | 2,309 |
| Net loans and leases to total assets | 50.0975% | 4,841 |
| Net loans and leases to deposits | 67.2038% | 4,034 |
| Net loans and leases to core deposits | 69.3827% | 4,213 |
| Total domestic deposits to total assets | 74.5456% | 5,863 |
| Equity capital to assets | 12.3345% | 1,800 |
| Core capital (leverage) ratio | 11.9230% | 1,684 |
| Tier 1 risk-based capital ratio | 19.0382% | 1,854 |
| Total risk-based capital ratio | 20.2928% | 1,814 |
| Memoranda: | ||
| Average total assets | $526,356,500 | 1,297 |
| Average earning assets | $475,488,000 | 1,323 |
| Average equity | $64,335,000 | 1,188 |
| Average total loans | $273,343,000 | 1,601 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,520 |
| Cost of funding earning assets | 0.6686% | 1,274 |
| Net interest margin | 3.3831% | 4,261 |
| Noninterest income to average assets | 0.3422% | 4,650 |
| Noninterest expense to average assets | 3.1584% | 2,333 |
| Loan and lease loss provision to assets | -0.5235% | 6,448 |
| Net operating income to assets | 0.5072% | 4,788 |
| Return on assets (ROA) | 0.4962% | 4,917 |
| Pretax return on assets | 0.7230% | 4,541 |
| Return on Equity (ROE) | 4.2790% | 4,989 |
| Retained earnings to average equity (ytd only) | 4.2790% | 3,143 |
| Net charge-offs to loans | 0.1680% | 2,351 |
| Credit loss provision to net charge-offs | -563.4694% | 5,810 |
| Earnings coverage of net charge-offs (x) | 2.3184% | 4,189 |
| Efficiency ratio | 92.6885% | 667 |
| Assets per employee ($millions) | 3.8837% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3502% | 673 |
| Loan loss allowance to noncurrent loans | 177.6230% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 3.5822% | 515 |
| Noncurrent loans to loans | 1.3232% | 2,224 |
| Net loans and leases to total assets | 51.5185% | 4,832 |
| Net loans and leases to deposits | 69.2492% | 4,000 |
| Net loans and leases to core deposits | 71.5406% | 4,168 |
| Total domestic deposits to total assets | 74.3958% | 5,913 |
| Equity capital to assets | 12.1100% | 1,940 |
| Core capital (leverage) ratio | 11.0788% | 2,333 |
| Tier 1 risk-based capital ratio | 18.0006% | 2,142 |
| Total risk-based capital ratio | 19.2602% | 2,098 |
| Memoranda: | ||
| Average total assets | $527,420,200 | 1,274 |
| Average earning assets | $472,614,000 | 1,294 |
| Average equity | $61,159,200 | 1,196 |
| Average total loans | $291,688,800 | 1,467 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 3,442 |
| Cost of funding earning assets | 0.6788% | 1,264 |
| Net interest margin | 3.4052% | 4,219 |
| Noninterest income to average assets | 0.3016% | 5,034 |
| Noninterest expense to average assets | 3.1661% | 2,277 |
| Loan and lease loss provision to assets | -0.5205% | 6,534 |
| Net operating income to assets | 0.4939% | 4,895 |
| Return on assets (ROA) | 0.4791% | 5,033 |
| Pretax return on assets | 0.6838% | 4,750 |
| Return on Equity (ROE) | 4.1776% | 5,097 |
| Retained earnings to average equity (ytd only) | 4.1776% | 3,678 |
| Net charge-offs to loans | 0.2013% | 1,853 |
| Credit loss provision to net charge-offs | -462.3318% | 5,729 |
| Earnings coverage of net charge-offs (x) | 1.6390% | 4,114 |
| Efficiency ratio | 93.5588% | 620 |
| Assets per employee ($millions) | 3.7987% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5955% | 578 |
| Loan loss allowance to noncurrent loans | 109.8075% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 4.4556% | 410 |
| Noncurrent loans to loans | 2.3637% | 1,262 |
| Net loans and leases to total assets | 52.6206% | 4,737 |
| Net loans and leases to deposits | 71.1039% | 3,781 |
| Net loans and leases to core deposits | 73.5001% | 3,994 |
| Total domestic deposits to total assets | 74.0051% | 6,014 |
| Equity capital to assets | 12.0497% | 2,017 |
| Core capital (leverage) ratio | 10.7372% | 2,776 |
| Tier 1 risk-based capital ratio | 17.3540% | 2,449 |
| Total risk-based capital ratio | 18.6167% | 2,403 |
| Memoranda: | ||
| Average total assets | $528,202,000 | 1,276 |
| Average earning assets | $472,948,000 | 1,302 |
| Average equity | $60,576,000 | 1,210 |
| Average total loans | $295,458,750 | 1,452 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 3,299 |
| Cost of funding earning assets | 0.6864% | 1,262 |
| Net interest margin | 3.4235% | 4,088 |
| Noninterest income to average assets | 0.4793% | 3,638 |
| Noninterest expense to average assets | 3.1308% | 2,391 |
| Loan and lease loss provision to assets | -0.1951% | 6,472 |
| Net operating income to assets | 0.4242% | 5,121 |
| Return on assets (ROA) | 0.4018% | 5,294 |
| Pretax return on assets | 0.5714% | 5,053 |
| Return on Equity (ROE) | 3.5623% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.5623% | 3,926 |
| Net charge-offs to loans | 0.7517% | 509 |
| Credit loss provision to net charge-offs | -45.8886% | 5,155 |
| Earnings coverage of net charge-offs (x) | 0.9602% | 3,928 |
| Efficiency ratio | 87.5943% | 1,122 |
| Assets per employee ($millions) | 3.9355% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8048% | 470 |
| Loan loss allowance to noncurrent loans | 90.7991% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 5.4414% | 310 |
| Noncurrent loans to loans | 3.0890% | 924 |
| Net loans and leases to total assets | 53.6407% | 4,581 |
| Net loans and leases to deposits | 71.5393% | 3,633 |
| Net loans and leases to core deposits | 74.0084% | 3,839 |
| Total domestic deposits to total assets | 74.9807% | 6,029 |
| Equity capital to assets | 11.8390% | 2,111 |
| Core capital (leverage) ratio | 10.3119% | 3,199 |
| Tier 1 risk-based capital ratio | 16.1626% | 2,997 |
| Total risk-based capital ratio | 17.4271% | 2,944 |
| Memoranda: | ||
| Average total assets | $532,061,000 | 1,260 |
| Average earning assets | $475,541,670 | 1,293 |
| Average equity | $60,017,330 | 1,214 |
| Average total loans | $300,913,330 | 1,430 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 3,441 |
| Cost of funding earning assets | 0.6927% | 1,294 |
| Net interest margin | 3.3652% | 4,274 |
| Noninterest income to average assets | 0.3818% | 4,335 |
| Noninterest expense to average assets | 3.1351% | 2,423 |
| Loan and lease loss provision to assets | 0.2714% | 764 |
| Net operating income to assets | 0.0179% | 6,190 |
| Return on assets (ROA) | 0.0179% | 6,207 |
| Pretax return on assets | -0.0067% | 6,222 |
| Return on Equity (ROE) | 0.1626% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.1626% | 5,496 |
| Net charge-offs to loans | 1.2863% | 260 |
| Credit loss provision to net charge-offs | 36.8794% | 2,332 |
| Earnings coverage of net charge-offs (x) | 0.3597% | 3,363 |
| Efficiency ratio | 91.3139% | 922 |
| Assets per employee ($millions) | 4.0346% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9954% | 438 |
| Loan loss allowance to noncurrent loans | 60.3490% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 5.7978% | 307 |
| Noncurrent loans to loans | 4.9634% | 453 |
| Net loans and leases to total assets | 55.5121% | 4,208 |
| Net loans and leases to deposits | 73.4259% | 3,136 |
| Net loans and leases to core deposits | 76.0267% | 3,407 |
| Total domestic deposits to total assets | 75.6029% | 6,111 |
| Equity capital to assets | 11.1749% | 2,553 |
| Core capital (leverage) ratio | 9.8366% | 3,812 |
| Tier 1 risk-based capital ratio | 15.3308% | 3,532 |
| Total risk-based capital ratio | 16.5986% | 3,478 |
| Memoranda: | ||
| Average total assets | $536,383,500 | 1,265 |
| Average earning assets | $481,035,500 | 1,288 |
| Average equity | $59,042,500 | 1,239 |
| Average total loans | $306,937,000 | 1,412 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 3,689 |
| Cost of funding earning assets | 0.7685% | 1,390 |
| Net interest margin | 3.3435% | 4,506 |
| Noninterest income to average assets | 0.2919% | 5,266 |
| Noninterest expense to average assets | 3.2279% | 2,335 |
| Loan and lease loss provision to assets | -0.1998% | 6,599 |
| Net operating income to assets | 0.1906% | 5,850 |
| Return on assets (ROA) | 0.1911% | 5,913 |
| Pretax return on assets | 0.2328% | 5,880 |
| Return on Equity (ROE) | 1.7436% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.7436% | 4,993 |
| Net charge-offs to loans | 0.2459% | 2,503 |
| Credit loss provision to net charge-offs | -143.2756% | 5,936 |
| Earnings coverage of net charge-offs (x) | 0.2330% | 5,007 |
| Efficiency ratio | 97.7733% | 551 |
| Assets per employee ($millions) | 3.9145% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1549% | 392 |
| Loan loss allowance to noncurrent loans | 61.7059% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 5.9807% | 324 |
| Noncurrent loans to loans | 5.1128% | 477 |
| Net loans and leases to total assets | 55.4154% | 4,397 |
| Net loans and leases to deposits | 72.8322% | 3,415 |
| Net loans and leases to core deposits | 75.2577% | 3,701 |
| Total domestic deposits to total assets | 76.0864% | 6,087 |
| Equity capital to assets | 10.8425% | 2,769 |
| Core capital (leverage) ratio | 9.6708% | 4,025 |
| Tier 1 risk-based capital ratio | 15.0617% | 3,631 |
| Total risk-based capital ratio | 16.3315% | 3,562 |
| Memoranda: | ||
| Average total assets | $538,590,200 | 1,233 |
| Average earning assets | $478,176,400 | 1,276 |
| Average equity | $59,015,000 | 1,215 |
| Average total loans | $305,355,800 | 1,387 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 3,722 |
| Cost of funding earning assets | 0.7861% | 1,403 |
| Net interest margin | 3.3226% | 4,559 |
| Noninterest income to average assets | 0.2470% | 5,666 |
| Noninterest expense to average assets | 3.2342% | 2,250 |
| Loan and lease loss provision to assets | -0.0949% | 6,624 |
| Net operating income to assets | 0.0696% | 6,190 |
| Return on assets (ROA) | 0.0701% | 6,245 |
| Pretax return on assets | 0.0505% | 6,258 |
| Return on Equity (ROE) | 0.6382% | 6,245 |
| Retained earnings to average equity (ytd only) | 0.6382% | 5,714 |
| Net charge-offs to loans | 0.2409% | 2,367 |
| Credit loss provision to net charge-offs | -69.6364% | 5,740 |
| Earnings coverage of net charge-offs (x) | -0.3291% | 4,934 |
| Efficiency ratio | 100.1476% | 461 |
| Assets per employee ($millions) | 3.9760% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4528% | 351 |
| Loan loss allowance to noncurrent loans | 63.9246% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 6.3017% | 357 |
| Noncurrent loans to loans | 5.4013% | 513 |
| Net loans and leases to total assets | 55.4596% | 4,400 |
| Net loans and leases to deposits | 73.6897% | 3,287 |
| Net loans and leases to core deposits | 76.1491% | 3,598 |
| Total domestic deposits to total assets | 75.2610% | 6,253 |
| Equity capital to assets | 10.8413% | 2,924 |
| Core capital (leverage) ratio | 9.7009% | 4,104 |
| Tier 1 risk-based capital ratio | 15.0760% | 3,702 |
| Total risk-based capital ratio | 16.3494% | 3,639 |
| Memoranda: | ||
| Average total assets | $538,187,750 | 1,251 |
| Average earning assets | $476,595,500 | 1,288 |
| Average equity | $59,126,000 | 1,227 |
| Average total loans | $304,418,250 | 1,392 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 3,649 |
| Cost of funding earning assets | 0.8062% | 1,380 |
| Net interest margin | 3.3167% | 4,503 |
| Noninterest income to average assets | 0.3646% | 4,787 |
| Noninterest expense to average assets | 3.2926% | 2,091 |
| Loan and lease loss provision to assets | 0.0215% | 4,467 |
| Net operating income to assets | 0.0213% | 6,279 |
| Return on assets (ROA) | 0.0215% | 6,347 |
| Pretax return on assets | -0.0178% | 6,373 |
| Return on Equity (ROE) | 0.1952% | 6,351 |
| Retained earnings to average equity (ytd only) | 0.1952% | 5,796 |
| Net charge-offs to loans | 0.1069% | 3,292 |
| Credit loss provision to net charge-offs | 35.8025% | 3,492 |
| Earnings coverage of net charge-offs (x) | 0.0556% | 4,530 |
| Efficiency ratio | 98.6820% | 537 |
| Assets per employee ($millions) | 3.9558% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7375% | 307 |
| Loan loss allowance to noncurrent loans | 80.0600% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 6.4416% | 393 |
| Noncurrent loans to loans | 4.6684% | 733 |
| Net loans and leases to total assets | 54.9362% | 4,457 |
| Net loans and leases to deposits | 72.3739% | 3,402 |
| Net loans and leases to core deposits | 74.9153% | 3,681 |
| Total domestic deposits to total assets | 75.9061% | 6,258 |
| Equity capital to assets | 10.6789% | 3,087 |
| Core capital (leverage) ratio | 9.4672% | 4,297 |
| Tier 1 risk-based capital ratio | 14.8985% | 3,841 |
| Total risk-based capital ratio | 16.1748% | 3,796 |
| Memoranda: | ||
| Average total assets | $538,663,670 | 1,243 |
| Average earning assets | $476,078,330 | 1,292 |
| Average equity | $59,437,330 | 1,221 |
| Average total loans | $303,114,000 | 1,388 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 3,397 |
| Cost of funding earning assets | 0.8353% | 1,340 |
| Net interest margin | 3.3410% | 4,348 |
| Noninterest income to average assets | 0.4905% | 3,840 |
| Noninterest expense to average assets | 3.2504% | 2,202 |
| Loan and lease loss provision to assets | -0.1299% | 6,856 |
| Net operating income to assets | 0.2345% | 5,775 |
| Return on assets (ROA) | 0.2345% | 5,902 |
| Pretax return on assets | 0.3206% | 5,809 |
| Return on Equity (ROE) | 2.0917% | 5,909 |
| Retained earnings to average equity (ytd only) | 2.0917% | 4,959 |
| Net charge-offs to loans | 0.1395% | 2,571 |
| Credit loss provision to net charge-offs | -166.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | 2.4476% | 3,029 |
| Efficiency ratio | 93.2931% | 892 |
| Assets per employee ($millions) | 3.9286% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6900% | 365 |
| Loan loss allowance to noncurrent loans | 64.6618% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 7.5637% | 351 |
| Noncurrent loans to loans | 5.7065% | 611 |
| Net loans and leases to total assets | 54.7945% | 4,275 |
| Net loans and leases to deposits | 72.9799% | 3,057 |
| Net loans and leases to core deposits | 75.5667% | 3,374 |
| Total domestic deposits to total assets | 75.0816% | 6,449 |
| Equity capital to assets | 11.2364% | 2,696 |
| Core capital (leverage) ratio | 9.7904% | 3,674 |
| Tier 1 risk-based capital ratio | 15.2316% | 3,690 |
| Total risk-based capital ratio | 16.5070% | 3,632 |
| Memoranda: | ||
| Average total assets | $539,002,500 | 1,251 |
| Average earning assets | $476,022,000 | 1,300 |
| Average equity | $60,430,500 | 1,218 |
| Average total loans | $301,159,000 | 1,408 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 4,834 |
| Cost of funding earning assets | 1.1383% | 775 |
| Net interest margin | 2.9934% | 6,068 |
| Noninterest income to average assets | 0.6003% | 3,276 |
| Noninterest expense to average assets | 3.1153% | 2,883 |
| Loan and lease loss provision to assets | 0.1347% | 3,942 |
| Net operating income to assets | 0.0595% | 6,074 |
| Return on assets (ROA) | 0.1280% | 6,097 |
| Pretax return on assets | 0.0845% | 6,177 |
| Return on Equity (ROE) | 1.2014% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.2014% | 5,275 |
| Net charge-offs to loans | 0.8841% | 1,293 |
| Credit loss provision to net charge-offs | 27.4559% | 5,163 |
| Earnings coverage of net charge-offs (x) | 0.3073% | 5,323 |
| Efficiency ratio | 93.8608% | 806 |
| Assets per employee ($millions) | 4.0283% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9104% | 305 |
| Loan loss allowance to noncurrent loans | 68.0877% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 7.7539% | 378 |
| Noncurrent loans to loans | 5.7432% | 627 |
| Net loans and leases to total assets | 52.7109% | 4,805 |
| Net loans and leases to deposits | 70.2499% | 3,673 |
| Net loans and leases to core deposits | 72.7826% | 3,942 |
| Total domestic deposits to total assets | 75.0333% | 6,443 |
| Equity capital to assets | 11.1867% | 2,752 |
| Core capital (leverage) ratio | 9.4516% | 4,181 |
| Tier 1 risk-based capital ratio | 15.4087% | 3,481 |
| Total risk-based capital ratio | 16.6859% | 3,430 |
| Memoranda: | ||
| Average total assets | $566,550,000 | 1,173 |
| Average earning assets | $504,546,200 | 1,201 |
| Average equity | $60,344,200 | 1,182 |
| Average total loans | $314,325,200 | 1,334 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 5,020 |
| Cost of funding earning assets | 1.1727% | 789 |
| Net interest margin | 2.9724% | 6,228 |
| Noninterest income to average assets | 0.6599% | 2,935 |
| Noninterest expense to average assets | 3.0997% | 2,892 |
| Loan and lease loss provision to assets | 0.0474% | 5,179 |
| Net operating income to assets | 0.1684% | 5,991 |
| Return on assets (ROA) | 0.2572% | 5,955 |
| Pretax return on assets | 0.2556% | 6,032 |
| Return on Equity (ROE) | 2.4441% | 5,903 |
| Retained earnings to average equity (ytd only) | 2.4441% | 5,111 |
| Net charge-offs to loans | 0.7969% | 1,383 |
| Credit loss provision to net charge-offs | 10.7030% | 5,067 |
| Earnings coverage of net charge-offs (x) | 0.4832% | 5,079 |
| Efficiency ratio | 92.0480% | 882 |
| Assets per employee ($millions) | 4.1314% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9280% | 327 |
| Loan loss allowance to noncurrent loans | 49.8387% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 8.5962% | 332 |
| Noncurrent loans to loans | 7.8814% | 410 |
| Net loans and leases to total assets | 51.3921% | 5,128 |
| Net loans and leases to deposits | 71.3936% | 3,688 |
| Net loans and leases to core deposits | 73.9747% | 3,976 |
| Total domestic deposits to total assets | 71.9842% | 6,741 |
| Equity capital to assets | 10.8971% | 3,381 |
| Core capital (leverage) ratio | 9.4148% | 4,408 |
| Tier 1 risk-based capital ratio | 15.3187% | 3,635 |
| Total risk-based capital ratio | 16.5960% | 3,578 |
| Memoranda: | ||
| Average total assets | $573,239,500 | 1,172 |
| Average earning assets | $511,856,500 | 1,202 |
| Average equity | $60,334,000 | 1,189 |
| Average total loans | $318,879,500 | 1,332 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 4,970 |
| Cost of funding earning assets | 1.1903% | 855 |
| Net interest margin | 3.0054% | 6,230 |
| Noninterest income to average assets | 0.8345% | 2,026 |
| Noninterest expense to average assets | 3.0692% | 3,020 |
| Loan and lease loss provision to assets | 0.3273% | 2,010 |
| Net operating income to assets | 0.2126% | 5,878 |
| Return on assets (ROA) | 0.3242% | 5,732 |
| Pretax return on assets | 0.2373% | 6,084 |
| Return on Equity (ROE) | 3.1159% | 5,646 |
| Retained earnings to average equity (ytd only) | 3.1159% | 4,557 |
| Net charge-offs to loans | 0.9203% | 1,198 |
| Credit loss provision to net charge-offs | 63.1367% | 3,721 |
| Earnings coverage of net charge-offs (x) | 0.8740% | 4,613 |
| Efficiency ratio | 85.7467% | 1,456 |
| Assets per employee ($millions) | 4.0060% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1143% | 322 |
| Loan loss allowance to noncurrent loans | 44.5907% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 8.7712% | 359 |
| Noncurrent loans to loans | 9.2268% | 317 |
| Net loans and leases to total assets | 53.8232% | 4,833 |
| Net loans and leases to deposits | 74.1004% | 3,279 |
| Net loans and leases to core deposits | 76.8871% | 3,670 |
| Total domestic deposits to total assets | 72.6355% | 6,768 |
| Equity capital to assets | 10.7917% | 3,350 |
| Core capital (leverage) ratio | 9.2151% | 4,587 |
| Tier 1 risk-based capital ratio | 14.7717% | 3,917 |
| Total risk-based capital ratio | 16.0518% | 3,860 |
| Memoranda: | ||
| Average total assets | $575,651,000 | 1,169 |
| Average earning assets | $514,806,670 | 1,188 |
| Average equity | $59,886,000 | 1,191 |
| Average total loans | $324,247,670 | 1,309 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 5,085 |
| Cost of funding earning assets | 1.2214% | 887 |
| Net interest margin | 2.9828% | 6,328 |
| Noninterest income to average assets | 1.1145% | 1,137 |
| Noninterest expense to average assets | 3.0304% | 3,151 |
| Loan and lease loss provision to assets | 0.1714% | 3,256 |
| Net operating income to assets | 0.6987% | 3,887 |
| Return on assets (ROA) | 0.6987% | 4,103 |
| Pretax return on assets | 0.5824% | 5,172 |
| Return on Equity (ROE) | 6.8407% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.8407% | 2,505 |
| Net charge-offs to loans | 0.7516% | 1,359 |
| Credit loss provision to net charge-offs | 40.4221% | 3,443 |
| Earnings coverage of net charge-offs (x) | 1.7776% | 3,450 |
| Efficiency ratio | 78.7884% | 2,381 |
| Assets per employee ($millions) | 4.2331% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1118% | 340 |
| Loan loss allowance to noncurrent loans | 39.1535% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 9.4859% | 340 |
| Noncurrent loans to loans | 10.5016% | 272 |
| Net loans and leases to total assets | 53.1930% | 4,855 |
| Net loans and leases to deposits | 73.1254% | 3,258 |
| Net loans and leases to core deposits | 75.6953% | 3,650 |
| Total domestic deposits to total assets | 72.7422% | 6,843 |
| Equity capital to assets | 10.5267% | 3,461 |
| Core capital (leverage) ratio | 9.2127% | 4,495 |
| Tier 1 risk-based capital ratio | 14.8526% | 3,856 |
| Total risk-based capital ratio | 16.1333% | 3,805 |
| Memoranda: | ||
| Average total assets | $581,052,000 | 1,162 |
| Average earning assets | $520,054,500 | 1,175 |
| Average equity | $59,350,500 | 1,195 |
| Average total loans | $327,839,000 | 1,296 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 4,933 |
| Cost of funding earning assets | 1.4266% | 932 |
| Net interest margin | 3.1087% | 6,326 |
| Noninterest income to average assets | 0.0705% | 6,750 |
| Noninterest expense to average assets | 3.0576% | 3,361 |
| Loan and lease loss provision to assets | 1.6178% | 432 |
| Net operating income to assets | -1.1582% | 6,804 |
| Return on assets (ROA) | -1.1142% | 6,818 |
| Pretax return on assets | -1.7382% | 6,954 |
| Return on Equity (ROE) | -11.4175% | 6,776 |
| Retained earnings to average equity (ytd only) | -11.4175% | 6,745 |
| Net charge-offs to loans | 2.3122% | 538 |
| Credit loss provision to net charge-offs | 115.9413% | 2,802 |
| Earnings coverage of net charge-offs (x) | -0.1356% | 5,913 |
| Efficiency ratio | 103.5031% | 585 |
| Assets per employee ($millions) | 4.1584% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0708% | 365 |
| Loan loss allowance to noncurrent loans | 49.6132% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 8.1832% | 484 |
| Noncurrent loans to loans | 8.2050% | 482 |
| Net loans and leases to total assets | 55.0304% | 4,871 |
| Net loans and leases to deposits | 75.8013% | 3,207 |
| Net loans and leases to core deposits | 78.5240% | 3,623 |
| Total domestic deposits to total assets | 72.5983% | 6,840 |
| Equity capital to assets | 9.9031% | 4,303 |
| Core capital (leverage) ratio | 8.4386% | 5,656 |
| Tier 1 risk-based capital ratio | 13.5051% | 4,692 |
| Total risk-based capital ratio | 14.7863% | 4,641 |
| Memoranda: | ||
| Average total assets | $596,123,800 | 1,103 |
| Average earning assets | $536,529,200 | 1,114 |
| Average equity | $58,173,800 | 1,170 |
| Average total loans | $359,742,200 | 1,174 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 4,771 |
| Cost of funding earning assets | 1.4485% | 1,029 |
| Net interest margin | 3.1757% | 6,217 |
| Noninterest income to average assets | -0.1354% | 7,235 |
| Noninterest expense to average assets | 3.0265% | 3,457 |
| Loan and lease loss provision to assets | 1.6168% | 401 |
| Net operating income to assets | -1.2273% | 6,969 |
| Return on assets (ROA) | -1.1790% | 6,973 |
| Pretax return on assets | -1.8400% | 7,090 |
| Return on Equity (ROE) | -12.1247% | 6,952 |
| Retained earnings to average equity (ytd only) | -12.1247% | 6,923 |
| Net charge-offs to loans | 1.9847% | 643 |
| Credit loss provision to net charge-offs | 133.3884% | 2,385 |
| Earnings coverage of net charge-offs (x) | -0.2466% | 5,743 |
| Efficiency ratio | 107.7199% | 468 |
| Assets per employee ($millions) | 4.1842% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0681% | 371 |
| Loan loss allowance to noncurrent loans | 53.3412% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 7.7879% | 579 |
| Noncurrent loans to loans | 7.6265% | 609 |
| Net loans and leases to total assets | 56.7169% | 4,728 |
| Net loans and leases to deposits | 78.3272% | 2,916 |
| Net loans and leases to core deposits | 81.3631% | 3,430 |
| Total domestic deposits to total assets | 72.4102% | 6,906 |
| Equity capital to assets | 10.0942% | 4,213 |
| Core capital (leverage) ratio | 8.9267% | 5,057 |
| Tier 1 risk-based capital ratio | 14.0851% | 4,294 |
| Total risk-based capital ratio | 15.3668% | 4,240 |
| Memoranda: | ||
| Average total assets | $599,612,000 | 1,100 |
| Average earning assets | $540,583,750 | 1,116 |
| Average equity | $58,304,000 | 1,166 |
| Average total loans | $366,186,250 | 1,168 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 4,669 |
| Cost of funding earning assets | 1.4660% | 1,136 |
| Net interest margin | 3.2024% | 6,154 |
| Noninterest income to average assets | 0.2433% | 5,906 |
| Noninterest expense to average assets | 2.9903% | 3,679 |
| Loan and lease loss provision to assets | 1.6358% | 421 |
| Net operating income to assets | -0.9072% | 6,912 |
| Return on assets (ROA) | -0.8606% | 6,897 |
| Pretax return on assets | -1.4207% | 7,037 |
| Return on Equity (ROE) | -8.9611% | 6,901 |
| Retained earnings to average equity (ytd only) | -8.9611% | 6,821 |
| Net charge-offs to loans | 2.2763% | 557 |
| Credit loss provision to net charge-offs | 116.4742% | 2,635 |
| Earnings coverage of net charge-offs (x) | 0.1013% | 5,216 |
| Efficiency ratio | 92.6564% | 1,056 |
| Assets per employee ($millions) | 4.0419% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5956% | 565 |
| Loan loss allowance to noncurrent loans | 41.0939% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 8.5740% | 505 |
| Noncurrent loans to loans | 8.7496% | 479 |
| Net loans and leases to total assets | 58.9210% | 4,481 |
| Net loans and leases to deposits | 80.8146% | 2,642 |
| Net loans and leases to core deposits | 84.0196% | 3,206 |
| Total domestic deposits to total assets | 72.9089% | 6,934 |
| Equity capital to assets | 9.7700% | 4,426 |
| Core capital (leverage) ratio | 8.5590% | 5,461 |
| Tier 1 risk-based capital ratio | 13.3953% | 4,616 |
| Total risk-based capital ratio | 14.6720% | 4,576 |
| Memoranda: | ||
| Average total assets | $604,219,330 | 1,100 |
| Average earning assets | $545,156,330 | 1,109 |
| Average equity | $58,028,330 | 1,152 |
| Average total loans | $372,804,670 | 1,168 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 4,557 |
| Cost of funding earning assets | 1.4907% | 1,201 |
| Net interest margin | 3.2012% | 6,064 |
| Noninterest income to average assets | 0.5314% | 3,642 |
| Noninterest expense to average assets | 2.8884% | 4,109 |
| Loan and lease loss provision to assets | 0.9652% | 810 |
| Net operating income to assets | -0.3262% | 6,681 |
| Return on assets (ROA) | -0.2212% | 6,598 |
| Pretax return on assets | -0.2945% | 6,616 |
| Return on Equity (ROE) | -2.3224% | 6,618 |
| Retained earnings to average equity (ytd only) | -2.3224% | 6,198 |
| Net charge-offs to loans | 1.4221% | 960 |
| Credit loss provision to net charge-offs | 109.5026% | 2,438 |
| Earnings coverage of net charge-offs (x) | 0.6021% | 4,174 |
| Efficiency ratio | 81.9522% | 2,237 |
| Assets per employee ($millions) | 4.3449% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3589% | 683 |
| Loan loss allowance to noncurrent loans | 45.9812% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 8.0837% | 585 |
| Noncurrent loans to loans | 7.3049% | 727 |
| Net loans and leases to total assets | 58.6377% | 4,524 |
| Net loans and leases to deposits | 80.1539% | 2,699 |
| Net loans and leases to core deposits | 83.3738% | 3,243 |
| Total domestic deposits to total assets | 73.1564% | 6,983 |
| Equity capital to assets | 9.5115% | 4,422 |
| Core capital (leverage) ratio | 8.4981% | 5,457 |
| Tier 1 risk-based capital ratio | 13.2799% | 4,596 |
| Total risk-based capital ratio | 14.5540% | 4,556 |
| Memoranda: | ||
| Average total assets | $611,273,000 | 1,090 |
| Average earning assets | $551,420,000 | 1,106 |
| Average equity | $58,215,500 | 1,137 |
| Average total loans | $378,873,000 | 1,165 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 5,454 |
| Cost of funding earning assets | 1.9296% | 765 |
| Net interest margin | 2.8590% | 6,961 |
| Noninterest income to average assets | 0.3668% | 5,173 |
| Noninterest expense to average assets | 2.7127% | 4,934 |
| Loan and lease loss provision to assets | 1.3903% | 1,082 |
| Net operating income to assets | -0.6803% | 6,500 |
| Return on assets (ROA) | -0.4090% | 6,350 |
| Pretax return on assets | -0.6982% | 6,456 |
| Return on Equity (ROE) | -4.6205% | 6,403 |
| Retained earnings to average equity (ytd only) | -4.6205% | 6,262 |
| Net charge-offs to loans | 1.3394% | 1,666 |
| Credit loss provision to net charge-offs | 170.3697% | 1,990 |
| Earnings coverage of net charge-offs (x) | 0.3288% | 5,778 |
| Efficiency ratio | 88.2449% | 1,462 |
| Assets per employee ($millions) | 4.3876% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1567% | 763 |
| Loan loss allowance to noncurrent loans | 51.4445% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 7.1266% | 755 |
| Noncurrent loans to loans | 6.1361% | 1,007 |
| Net loans and leases to total assets | 61.2762% | 4,444 |
| Net loans and leases to deposits | 83.9761% | 2,453 |
| Net loans and leases to core deposits | 87.2230% | 3,149 |
| Total domestic deposits to total assets | 72.9686% | 7,000 |
| Equity capital to assets | 9.5357% | 4,356 |
| Core capital (leverage) ratio | 8.2370% | 5,774 |
| Tier 1 risk-based capital ratio | 12.9105% | 4,676 |
| Total risk-based capital ratio | 14.1833% | 4,625 |
| Memoranda: | ||
| Average total assets | $679,472,400 | 975 |
| Average earning assets | $621,309,000 | 970 |
| Average equity | $60,144,800 | 1,109 |
| Average total loans | $413,998,800 | 1,083 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 5,701 |
| Cost of funding earning assets | 2.0080% | 733 |
| Net interest margin | 2.7835% | 7,149 |
| Noninterest income to average assets | 0.2271% | 6,277 |
| Noninterest expense to average assets | 2.6711% | 5,000 |
| Loan and lease loss provision to assets | 1.5171% | 871 |
| Net operating income to assets | -0.8752% | 6,828 |
| Return on assets (ROA) | -0.5224% | 6,658 |
| Pretax return on assets | -0.8587% | 6,778 |
| Return on Equity (ROE) | -6.0038% | 6,716 |
| Retained earnings to average equity (ytd only) | -6.0038% | 6,631 |
| Net charge-offs to loans | 1.3186% | 1,544 |
| Credit loss provision to net charge-offs | 190.4498% | 1,887 |
| Earnings coverage of net charge-offs (x) | 0.1345% | 5,889 |
| Efficiency ratio | 93.2611% | 1,037 |
| Assets per employee ($millions) | 4.4363% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0319% | 799 |
| Loan loss allowance to noncurrent loans | 47.7122% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 6.9195% | 787 |
| Noncurrent loans to loans | 6.3546% | 950 |
| Net loans and leases to total assets | 60.2946% | 4,849 |
| Net loans and leases to deposits | 85.1850% | 2,489 |
| Net loans and leases to core deposits | 88.7613% | 3,275 |
| Total domestic deposits to total assets | 70.7808% | 7,234 |
| Equity capital to assets | 9.2007% | 5,308 |
| Core capital (leverage) ratio | 8.3086% | 5,857 |
| Tier 1 risk-based capital ratio | 13.2537% | 4,386 |
| Total risk-based capital ratio | 14.5243% | 4,338 |
| Memoranda: | ||
| Average total assets | $695,775,500 | 961 |
| Average earning assets | $637,694,000 | 956 |
| Average equity | $60,537,500 | 1,102 |
| Average total loans | $420,332,500 | 1,072 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 5,781 |
| Cost of funding earning assets | 2.0421% | 790 |
| Net interest margin | 2.7635% | 7,192 |
| Noninterest income to average assets | 0.3112% | 5,678 |
| Noninterest expense to average assets | 2.6035% | 5,313 |
| Loan and lease loss provision to assets | 1.2382% | 1,130 |
| Net operating income to assets | -0.5787% | 6,727 |
| Return on assets (ROA) | -0.2476% | 6,450 |
| Pretax return on assets | -0.4750% | 6,567 |
| Return on Equity (ROE) | -2.8956% | 6,507 |
| Retained earnings to average equity (ytd only) | -2.8956% | 6,280 |
| Net charge-offs to loans | 1.0840% | 1,739 |
| Credit loss provision to net charge-offs | 190.7559% | 2,068 |
| Earnings coverage of net charge-offs (x) | 0.3788% | 5,360 |
| Efficiency ratio | 88.6243% | 1,452 |
| Assets per employee ($millions) | 4.6963% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5194% | 1,277 |
| Loan loss allowance to noncurrent loans | 36.3233% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 6.9806% | 759 |
| Noncurrent loans to loans | 6.9361% | 823 |
| Net loans and leases to total assets | 59.4788% | 5,161 |
| Net loans and leases to deposits | 82.9630% | 3,081 |
| Net loans and leases to core deposits | 86.2104% | 3,801 |
| Total domestic deposits to total assets | 71.6932% | 7,206 |
| Equity capital to assets | 9.1161% | 5,269 |
| Core capital (leverage) ratio | 8.0608% | 6,181 |
| Tier 1 risk-based capital ratio | 12.8517% | 4,565 |
| Total risk-based capital ratio | 14.1155% | 4,510 |
| Memoranda: | ||
| Average total assets | $713,279,000 | 944 |
| Average earning assets | $655,108,330 | 941 |
| Average equity | $60,988,330 | 1,092 |
| Average total loans | $427,116,330 | 1,064 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 6,609 |
| Cost of funding earning assets | 2.0749% | 873 |
| Net interest margin | 2.5068% | 7,471 |
| Noninterest income to average assets | 0.2029% | 6,514 |
| Noninterest expense to average assets | 2.5291% | 5,619 |
| Loan and lease loss provision to assets | 0.5648% | 2,241 |
| Net operating income to assets | -0.3380% | 6,701 |
| Return on assets (ROA) | -0.1629% | 6,574 |
| Pretax return on assets | -0.2972% | 6,637 |
| Return on Equity (ROE) | -1.9655% | 6,633 |
| Retained earnings to average equity (ytd only) | -1.9655% | 6,207 |
| Net charge-offs to loans | 0.6597% | 2,174 |
| Credit loss provision to net charge-offs | 144.2577% | 2,465 |
| Earnings coverage of net charge-offs (x) | -0.0154% | 5,036 |
| Efficiency ratio | 97.2180% | 959 |
| Assets per employee ($millions) | 4.8192% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 2,094 |
| Loan loss allowance to noncurrent loans | 25.5939% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 7.1443% | 746 |
| Noncurrent loans to loans | 7.9483% | 681 |
| Net loans and leases to total assets | 57.8453% | 5,464 |
| Net loans and leases to deposits | 78.5529% | 3,932 |
| Net loans and leases to core deposits | 81.9973% | 4,486 |
| Total domestic deposits to total assets | 73.6386% | 7,094 |
| Equity capital to assets | 8.3346% | 6,253 |
| Core capital (leverage) ratio | 7.4917% | 6,862 |
| Tier 1 risk-based capital ratio | 12.5273% | 4,719 |
| Total risk-based capital ratio | 13.7862% | 4,671 |
| Memoranda: | ||
| Average total assets | $729,438,500 | 945 |
| Average earning assets | $675,131,500 | 935 |
| Average equity | $60,444,000 | 1,102 |
| Average total loans | $432,927,000 | 1,080 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 6,237 |
| Cost of funding earning assets | 2.4606% | 1,121 |
| Net interest margin | 2.5962% | 7,337 |
| Noninterest income to average assets | 0.5764% | 3,807 |
| Noninterest expense to average assets | 4.9915% | 523 |
| Loan and lease loss provision to assets | 1.2196% | 1,882 |
| Net operating income to assets | -2.7907% | 7,351 |
| Return on assets (ROA) | -2.6272% | 7,310 |
| Pretax return on assets | -3.0628% | 7,311 |
| Return on Equity (ROE) | -29.8717% | 7,400 |
| Retained earnings to average equity (ytd only) | -29.8717% | 7,382 |
| Net charge-offs to loans | 1.5291% | 1,637 |
| Credit loss provision to net charge-offs | 130.7124% | 3,891 |
| Earnings coverage of net charge-offs (x) | -2.1793% | 7,010 |
| Efficiency ratio | 85.6207% | 2,158 |
| Assets per employee ($millions) | 4.8421% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 2,250 |
| Loan loss allowance to noncurrent loans | 26.2362% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 6.5469% | 828 |
| Noncurrent loans to loans | 7.2642% | 743 |
| Net loans and leases to total assets | 58.5127% | 5,574 |
| Net loans and leases to deposits | 80.2706% | 3,940 |
| Net loans and leases to core deposits | 105.1890% | 3,437 |
| Total domestic deposits to total assets | 72.8943% | 7,165 |
| Equity capital to assets | 8.2390% | 6,291 |
| Core capital (leverage) ratio | 7.3518% | 6,934 |
| Tier 1 risk-based capital ratio | 12.4924% | 4,531 |
| Total risk-based capital ratio | 13.7499% | 4,473 |
| Memoranda: | ||
| Average total assets | $768,769,800 | 893 |
| Average earning assets | $705,270,400 | 887 |
| Average equity | $67,612,600 | 976 |
| Average total loans | $469,094,400 | 1,030 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 5,942 |
| Cost of funding earning assets | 2.5063% | 1,276 |
| Net interest margin | 2.6785% | 7,246 |
| Noninterest income to average assets | 0.5908% | 3,778 |
| Noninterest expense to average assets | 2.5276% | 5,986 |
| Loan and lease loss provision to assets | 1.2539% | 1,539 |
| Net operating income to assets | -0.4563% | 6,381 |
| Return on assets (ROA) | -0.3806% | 6,291 |
| Pretax return on assets | -0.6200% | 6,412 |
| Return on Equity (ROE) | -4.2639% | 6,368 |
| Retained earnings to average equity (ytd only) | -4.2639% | 6,148 |
| Net charge-offs to loans | 1.1755% | 1,726 |
| Credit loss provision to net charge-offs | 173.8934% | 2,666 |
| Earnings coverage of net charge-offs (x) | 0.7151% | 5,323 |
| Efficiency ratio | 79.9989% | 2,843 |
| Assets per employee ($millions) | 4.9071% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 1,765 |
| Loan loss allowance to noncurrent loans | 45.4430% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 4.1357% | 1,523 |
| Noncurrent loans to loans | 4.4348% | 1,585 |
| Net loans and leases to total assets | 59.2502% | 5,703 |
| Net loans and leases to deposits | 82.4007% | 3,939 |
| Net loans and leases to core deposits | 111.1651% | 3,108 |
| Total domestic deposits to total assets | 71.9050% | 7,221 |
| Equity capital to assets | 9.1029% | 5,332 |
| Core capital (leverage) ratio | 6.1615% | 7,774 |
| Tier 1 risk-based capital ratio | 9.9807% | 7,004 |
| Total risk-based capital ratio | 11.2399% | 6,948 |
| Memoranda: | ||
| Average total assets | $776,963,000 | 890 |
| Average earning assets | $711,374,750 | 891 |
| Average equity | $69,356,000 | 954 |
| Average total loans | $476,613,250 | 1,029 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 5,996 |
| Cost of funding earning assets | 2.5026% | 1,603 |
| Net interest margin | 2.7195% | 7,166 |
| Noninterest income to average assets | 0.5767% | 3,858 |
| Noninterest expense to average assets | 2.5723% | 5,850 |
| Loan and lease loss provision to assets | 1.1620% | 1,483 |
| Net operating income to assets | -0.6241% | 6,680 |
| Return on assets (ROA) | -0.4586% | 6,510 |
| Pretax return on assets | -0.4880% | 6,412 |
| Return on Equity (ROE) | -5.1704% | 6,629 |
| Retained earnings to average equity (ytd only) | -5.1704% | 6,328 |
| Net charge-offs to loans | 0.5629% | 2,637 |
| Credit loss provision to net charge-offs | 335.0037% | 1,382 |
| Earnings coverage of net charge-offs (x) | 1.4355% | 4,454 |
| Efficiency ratio | 80.7760% | 2,922 |
| Assets per employee ($millions) | 4.5893% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 1,700 |
| Loan loss allowance to noncurrent loans | 40.4874% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 4.5644% | 1,217 |
| Noncurrent loans to loans | 4.7859% | 1,306 |
| Net loans and leases to total assets | 61.3924% | 5,458 |
| Net loans and leases to deposits | 84.3230% | 3,819 |
| Net loans and leases to core deposits | 111.3980% | 3,215 |
| Total domestic deposits to total assets | 72.8062% | 7,140 |
| Equity capital to assets | 8.7849% | 5,618 |
| Core capital (leverage) ratio | 6.0416% | 7,915 |
| Tier 1 risk-based capital ratio | 9.4325% | 7,451 |
| Total risk-based capital ratio | 10.6906% | 7,400 |
| Memoranda: | ||
| Average total assets | $782,415,670 | 896 |
| Average earning assets | $717,423,000 | 892 |
| Average equity | $69,395,670 | 963 |
| Average total loans | $482,174,670 | 1,042 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 5,847 |
| Cost of funding earning assets | 2.4904% | 1,954 |
| Net interest margin | 2.8218% | 6,949 |
| Noninterest income to average assets | 0.5547% | 3,882 |
| Noninterest expense to average assets | 2.4900% | 5,876 |
| Loan and lease loss provision to assets | 0.4152% | 2,841 |
| Net operating income to assets | 0.1750% | 5,734 |
| Return on assets (ROA) | 0.2791% | 5,541 |
| Pretax return on assets | 0.3872% | 5,433 |
| Return on Equity (ROE) | 3.1327% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.1327% | 4,132 |
| Net charge-offs to loans | 0.2283% | 3,274 |
| Credit loss provision to net charge-offs | 297.4545% | 1,638 |
| Earnings coverage of net charge-offs (x) | 4.7127% | 2,830 |
| Efficiency ratio | 76.1851% | 3,458 |
| Assets per employee ($millions) | 4.7915% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 3,580 |
| Loan loss allowance to noncurrent loans | 50.9728% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.6362% | 2,179 |
| Noncurrent loans to loans | 2.7177% | 2,417 |
| Net loans and leases to total assets | 60.3906% | 5,592 |
| Net loans and leases to deposits | 85.3719% | 3,740 |
| Net loans and leases to core deposits | 112.4685% | 3,169 |
| Total domestic deposits to total assets | 70.7383% | 7,358 |
| Equity capital to assets | 8.9084% | 5,462 |
| Core capital (leverage) ratio | 6.3477% | 7,927 |
| Tier 1 risk-based capital ratio | 9.7830% | 7,163 |
| Total risk-based capital ratio | 11.0342% | 7,066 |
| Memoranda: | ||
| Average total assets | $788,121,500 | 888 |
| Average earning assets | $724,217,500 | 881 |
| Average equity | $70,227,500 | 960 |
| Average total loans | $481,916,500 | 1,049 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 5,283 |
| Cost of funding earning assets | 2.9273% | 2,152 |
| Net interest margin | 3.1257% | 6,574 |
| Noninterest income to average assets | 0.5983% | 3,854 |
| Noninterest expense to average assets | 2.5746% | 5,738 |
| Loan and lease loss provision to assets | 0.2385% | 4,519 |
| Net operating income to assets | 0.4440% | 4,975 |
| Return on assets (ROA) | -0.0361% | 6,270 |
| Pretax return on assets | -0.1312% | 6,306 |
| Return on Equity (ROE) | -0.3969% | 6,286 |
| Retained earnings to average equity (ytd only) | -6.1549% | 6,682 |
| Net charge-offs to loans | 0.2909% | 3,460 |
| Credit loss provision to net charge-offs | 131.8534% | 4,040 |
| Earnings coverage of net charge-offs (x) | 4.7400% | 3,879 |
| Efficiency ratio | 71.5549% | 4,019 |
| Assets per employee ($millions) | 4.5944% | 2,484 |
| Cash dividends to net income (ytd only)* | -1,450.8834% | 8,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 3,892 |
| Loan loss allowance to noncurrent loans | 62.7060% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.1581% | 2,271 |
| Noncurrent loans to loans | 2.0493% | 2,698 |
| Net loans and leases to total assets | 60.2709% | 5,875 |
| Net loans and leases to deposits | 84.4706% | 4,343 |
| Net loans and leases to core deposits | 110.3310% | 3,742 |
| Total domestic deposits to total assets | 71.3513% | 7,115 |
| Equity capital to assets | 8.9131% | 5,482 |
| Core capital (leverage) ratio | 6.3709% | 7,975 |
| Tier 1 risk-based capital ratio | 9.6625% | 7,128 |
| Total risk-based capital ratio | 10.9057% | 7,036 |
| Memoranda: | ||
| Average total assets | $784,437,000 | 864 |
| Average earning assets | $711,159,600 | 858 |
| Average equity | $71,309,600 | 932 |
| Average total loans | $487,725,200 | 979 |