Home > United Commerce Bank > Performance and Condition Ratios
United Commerce Bank, Performance and Condition Ratios
| 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 | 4.0674% | 3,873 |
| Cost of funding earning assets | 0.2830% | 5,868 |
| Net interest margin | 3.7845% | 2,703 |
| Noninterest income to average assets | 0.4757% | 3,967 |
| Noninterest expense to average assets | 3.7277% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1827% | 5,957 |
| Return on assets (ROA) | 0.1847% | 6,022 |
| Pretax return on assets | 0.3652% | 5,711 |
| Return on Equity (ROE) | 1.6762% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.6762% | 5,301 |
| Net charge-offs to loans | -0.0278% | 6,148 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1480% | 909 |
| Assets per employee ($millions) | 4.1448% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4080% | 1,039 |
| Loan loss allowance to noncurrent loans | 81.8367% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 3.0940% | 1,187 |
| Noncurrent loans to loans | 2.9424% | 1,385 |
| Net loans and leases to total assets | 67.9068% | 2,310 |
| Net loans and leases to deposits | 76.6581% | 2,864 |
| Net loans and leases to core deposits | 80.2920% | 3,102 |
| Total domestic deposits to total assets | 88.5840% | 1,790 |
| Equity capital to assets | 11.3536% | 2,427 |
| Core capital (leverage) ratio | 11.4720% | 2,063 |
| Tier 1 risk-based capital ratio | 18.9757% | 2,000 |
| Total risk-based capital ratio | 20.2434% | 1,950 |
| Memoranda: | ||
| Average total assets | $127,796,750 | 4,165 |
| Average earning assets | $122,039,750 | 4,050 |
| Average equity | $14,079,000 | 4,095 |
| Average total loans | $90,992,250 | 3,695 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 3,659 |
| Cost of funding earning assets | 0.2907% | 5,894 |
| Net interest margin | 3.8294% | 2,448 |
| Noninterest income to average assets | 0.4312% | 4,299 |
| Noninterest expense to average assets | 3.1889% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5695% | 4,457 |
| Return on assets (ROA) | 0.5724% | 4,606 |
| Pretax return on assets | 0.9054% | 3,889 |
| Return on Equity (ROE) | 5.2450% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.2450% | 2,893 |
| Net charge-offs to loans | 0.0300% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 41.9286% | 900 |
| Efficiency ratio | 77.9737% | 2,459 |
| Assets per employee ($millions) | 4.1187% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2234% | 1,376 |
| Loan loss allowance to noncurrent loans | 98.8030% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 2.3473% | 1,829 |
| Noncurrent loans to loans | 2.2504% | 2,118 |
| Net loans and leases to total assets | 68.2286% | 2,192 |
| Net loans and leases to deposits | 76.7919% | 2,756 |
| Net loans and leases to core deposits | 80.3451% | 2,986 |
| Total domestic deposits to total assets | 88.8488% | 1,709 |
| Equity capital to assets | 10.9335% | 2,812 |
| Core capital (leverage) ratio | 11.3258% | 2,074 |
| Tier 1 risk-based capital ratio | 18.4928% | 2,146 |
| Total risk-based capital ratio | 19.7587% | 2,099 |
| Memoranda: | ||
| Average total assets | $130,329,000 | 4,135 |
| Average earning assets | $124,509,670 | 4,026 |
| Average equity | $14,223,000 | 4,104 |
| Average total loans | $93,443,670 | 3,646 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,781 |
| Cost of funding earning assets | 0.3151% | 5,843 |
| Net interest margin | 3.7713% | 2,561 |
| Noninterest income to average assets | 0.3919% | 4,523 |
| Noninterest expense to average assets | 3.2024% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4864% | 4,746 |
| Return on assets (ROA) | 0.4922% | 4,861 |
| Pretax return on assets | 0.7991% | 4,172 |
| Return on Equity (ROE) | 4.5143% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.5143% | 3,526 |
| Net charge-offs to loans | -0.0669% | 6,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2131% | 2,306 |
| Assets per employee ($millions) | 4.2585% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1553% | 1,677 |
| Loan loss allowance to noncurrent loans | 99.8510% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 2.3043% | 2,018 |
| Noncurrent loans to loans | 2.1585% | 2,439 |
| Net loans and leases to total assets | 69.1555% | 1,812 |
| Net loans and leases to deposits | 77.7859% | 2,367 |
| Net loans and leases to core deposits | 81.5265% | 2,634 |
| Total domestic deposits to total assets | 88.9050% | 1,735 |
| Equity capital to assets | 10.9246% | 3,048 |
| Core capital (leverage) ratio | 11.0047% | 2,263 |
| Tier 1 risk-based capital ratio | 17.4665% | 2,572 |
| Total risk-based capital ratio | 18.7317% | 2,525 |
| Memoranda: | ||
| Average total assets | $131,653,000 | 4,145 |
| Average earning assets | $125,687,500 | 4,029 |
| Average equity | $14,354,500 | 4,126 |
| Average total loans | $95,617,500 | 3,621 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 3,081 |
| Cost of funding earning assets | 0.8010% | 2,659 |
| Net interest margin | 3.7783% | 3,325 |
| Noninterest income to average assets | 0.5136% | 3,809 |
| Noninterest expense to average assets | 2.8765% | 3,734 |
| Loan and lease loss provision to assets | 0.4198% | 1,519 |
| Net operating income to assets | 0.5200% | 4,600 |
| Return on assets (ROA) | 0.5724% | 4,629 |
| Pretax return on assets | 0.8998% | 3,923 |
| Return on Equity (ROE) | 5.8881% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.8881% | 2,148 |
| Net charge-offs to loans | 1.9650% | 374 |
| Credit loss provision to net charge-offs | 27.1739% | 5,166 |
| Earnings coverage of net charge-offs (x) | 0.8012% | 5,071 |
| Efficiency ratio | 69.9150% | 3,835 |
| Assets per employee ($millions) | 4.3764% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0372% | 1,925 |
| Loan loss allowance to noncurrent loans | 95.6835% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 2.5919% | 1,872 |
| Noncurrent loans to loans | 2.1291% | 2,550 |
| Net loans and leases to total assets | 73.0692% | 1,324 |
| Net loans and leases to deposits | 82.1852% | 1,976 |
| Net loans and leases to core deposits | 86.2654% | 2,282 |
| Total domestic deposits to total assets | 88.9079% | 1,628 |
| Equity capital to assets | 10.8819% | 3,086 |
| Core capital (leverage) ratio | 10.5298% | 2,726 |
| Tier 1 risk-based capital ratio | 16.3281% | 2,982 |
| Total risk-based capital ratio | 17.5905% | 2,932 |
| Memoranda: | ||
| Average total assets | $142,914,400 | 3,896 |
| Average earning assets | $136,197,200 | 3,788 |
| Average equity | $13,892,400 | 4,180 |
| Average total loans | $112,366,000 | 3,244 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 3,216 |
| Cost of funding earning assets | 0.8577% | 2,478 |
| Net interest margin | 3.7387% | 3,616 |
| Noninterest income to average assets | 0.4581% | 4,227 |
| Noninterest expense to average assets | 2.8902% | 3,640 |
| Loan and lease loss provision to assets | 0.4115% | 1,554 |
| Net operating income to assets | 0.4699% | 4,957 |
| Return on assets (ROA) | 0.5395% | 4,930 |
| Pretax return on assets | 0.8266% | 4,392 |
| Return on Equity (ROE) | 5.7029% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.7029% | 2,895 |
| Net charge-offs to loans | 0.3414% | 2,746 |
| Credit loss provision to net charge-offs | 151.5152% | 1,860 |
| Earnings coverage of net charge-offs (x) | 4.1650% | 3,379 |
| Efficiency ratio | 71.8736% | 3,350 |
| Assets per employee ($millions) | 4.5022% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5314% | 456 |
| Loan loss allowance to noncurrent loans | 68.4278% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 5.0950% | 870 |
| Noncurrent loans to loans | 5.1607% | 862 |
| Net loans and leases to total assets | 73.5156% | 1,316 |
| Net loans and leases to deposits | 81.9326% | 2,126 |
| Net loans and leases to core deposits | 86.2495% | 2,427 |
| Total domestic deposits to total assets | 89.7269% | 986 |
| Equity capital to assets | 10.0968% | 4,358 |
| Core capital (leverage) ratio | 9.7257% | 3,910 |
| Tier 1 risk-based capital ratio | 14.5974% | 4,121 |
| Total risk-based capital ratio | 15.8813% | 4,063 |
| Memoranda: | ||
| Average total assets | $145,820,000 | 3,883 |
| Average earning assets | $138,974,500 | 3,777 |
| Average equity | $13,793,750 | 4,242 |
| Average total loans | $115,975,250 | 3,201 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 2,885 |
| Cost of funding earning assets | 0.8979% | 2,416 |
| Net interest margin | 3.8088% | 3,318 |
| Noninterest income to average assets | 0.4097% | 4,582 |
| Noninterest expense to average assets | 2.8532% | 3,813 |
| Loan and lease loss provision to assets | 0.4057% | 1,618 |
| Net operating income to assets | 0.5104% | 4,773 |
| Return on assets (ROA) | 0.5693% | 4,776 |
| Pretax return on assets | 0.8722% | 4,189 |
| Return on Equity (ROE) | 6.1485% | 4,245 |
| Retained earnings to average equity (ytd only) | 6.1485% | 2,610 |
| Net charge-offs to loans | -0.0621% | 6,724 |
| Credit loss provision to net charge-offs | -810.8108% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6158% | 3,669 |
| Assets per employee ($millions) | 4.5726% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4969% | 497 |
| Loan loss allowance to noncurrent loans | 66.3300% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 5.2529% | 881 |
| Noncurrent loans to loans | 5.2720% | 908 |
| Net loans and leases to total assets | 76.7056% | 875 |
| Net loans and leases to deposits | 85.3502% | 1,679 |
| Net loans and leases to core deposits | 90.9107% | 1,882 |
| Total domestic deposits to total assets | 89.8717% | 1,002 |
| Equity capital to assets | 9.8222% | 4,588 |
| Core capital (leverage) ratio | 9.4668% | 4,184 |
| Tier 1 risk-based capital ratio | 13.6264% | 4,719 |
| Total risk-based capital ratio | 14.9106% | 4,666 |
| Memoranda: | ||
| Average total assets | $147,903,670 | 3,873 |
| Average earning assets | $140,988,000 | 3,770 |
| Average equity | $13,694,330 | 4,259 |
| Average total loans | $119,180,000 | 3,152 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 2,972 |
| Cost of funding earning assets | 0.9262% | 2,468 |
| Net interest margin | 3.7937% | 3,418 |
| Noninterest income to average assets | 0.3736% | 4,872 |
| Noninterest expense to average assets | 2.8534% | 3,816 |
| Loan and lease loss provision to assets | 0.7948% | 623 |
| Net operating income to assets | 0.2136% | 5,945 |
| Return on assets (ROA) | 0.2967% | 5,834 |
| Pretax return on assets | 0.4795% | 5,492 |
| Return on Equity (ROE) | 3.2990% | 5,593 |
| Retained earnings to average equity (ytd only) | 3.2990% | 4,588 |
| Net charge-offs to loans | 0.5717% | 1,659 |
| Credit loss provision to net charge-offs | 171.4286% | 1,491 |
| Earnings coverage of net charge-offs (x) | 2.4686% | 3,185 |
| Efficiency ratio | 71.3718% | 3,563 |
| Assets per employee ($millions) | 4.7250% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1074% | 754 |
| Loan loss allowance to noncurrent loans | 57.5486% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 4.9620% | 1,055 |
| Noncurrent loans to loans | 5.3997% | 999 |
| Net loans and leases to total assets | 79.3602% | 466 |
| Net loans and leases to deposits | 87.6881% | 1,207 |
| Net loans and leases to core deposits | 95.3014% | 1,350 |
| Total domestic deposits to total assets | 90.5028% | 804 |
| Equity capital to assets | 9.2801% | 5,122 |
| Core capital (leverage) ratio | 8.5398% | 5,524 |
| Tier 1 risk-based capital ratio | 12.1160% | 5,886 |
| Total risk-based capital ratio | 13.3945% | 5,846 |
| Memoranda: | ||
| Average total assets | $150,980,000 | 3,850 |
| Average earning assets | $144,240,500 | 3,738 |
| Average equity | $13,580,000 | 4,282 |
| Average total loans | $122,434,500 | 3,094 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8024% | 3,799 |
| Cost of funding earning assets | 1.2123% | 1,950 |
| Net interest margin | 3.5901% | 4,772 |
| Noninterest income to average assets | 0.3623% | 4,917 |
| Noninterest expense to average assets | 2.6749% | 4,840 |
| Loan and lease loss provision to assets | 2.4487% | 186 |
| Net operating income to assets | -0.8131% | 6,662 |
| Return on assets (ROA) | -0.7378% | 6,659 |
| Pretax return on assets | -1.2482% | 6,825 |
| Return on Equity (ROE) | -8.9450% | 6,710 |
| Retained earnings to average equity (ytd only) | -8.9450% | 6,667 |
| Net charge-offs to loans | 2.3414% | 529 |
| Credit loss provision to net charge-offs | 128.6188% | 2,399 |
| Earnings coverage of net charge-offs (x) | 0.5688% | 5,406 |
| Efficiency ratio | 71.1841% | 3,752 |
| Assets per employee ($millions) | 4.8589% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8847% | 903 |
| Loan loss allowance to noncurrent loans | 55.3967% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 4.9310% | 1,087 |
| Noncurrent loans to loans | 5.2074% | 1,053 |
| Net loans and leases to total assets | 78.0109% | 707 |
| Net loans and leases to deposits | 85.6362% | 1,714 |
| Net loans and leases to core deposits | 93.6049% | 1,739 |
| Total domestic deposits to total assets | 91.0957% | 467 |
| Equity capital to assets | 8.7255% | 5,871 |
| Core capital (leverage) ratio | 7.7060% | 6,528 |
| Tier 1 risk-based capital ratio | 11.0505% | 6,424 |
| Total risk-based capital ratio | 12.3239% | 6,398 |
| Memoranda: | ||
| Average total assets | $174,176,600 | 3,430 |
| Average earning assets | $164,729,600 | 3,325 |
| Average equity | $14,365,600 | 4,036 |
| Average total loans | $141,626,600 | 2,762 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 4,073 |
| Cost of funding earning assets | 1.2672% | 1,885 |
| Net interest margin | 3.5204% | 5,102 |
| Noninterest income to average assets | 0.3176% | 5,323 |
| Noninterest expense to average assets | 2.7069% | 4,696 |
| Loan and lease loss provision to assets | 1.6774% | 374 |
| Net operating income to assets | -0.4615% | 6,620 |
| Return on assets (ROA) | -0.3966% | 6,631 |
| Pretax return on assets | -0.6434% | 6,702 |
| Return on Equity (ROE) | -4.8699% | 6,674 |
| Retained earnings to average equity (ytd only) | -4.8699% | 6,588 |
| Net charge-offs to loans | 0.6492% | 2,303 |
| Credit loss provision to net charge-offs | 316.9014% | 887 |
| Earnings coverage of net charge-offs (x) | 1.7620% | 4,334 |
| Efficiency ratio | 74.3753% | 3,106 |
| Assets per employee ($millions) | 5.4544% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0621% | 826 |
| Loan loss allowance to noncurrent loans | 58.5019% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 4.7169% | 1,250 |
| Noncurrent loans to loans | 5.2343% | 1,167 |
| Net loans and leases to total assets | 76.0675% | 968 |
| Net loans and leases to deposits | 83.3856% | 2,111 |
| Net loans and leases to core deposits | 91.4595% | 2,057 |
| Total domestic deposits to total assets | 91.2238% | 373 |
| Equity capital to assets | 8.2708% | 6,512 |
| Core capital (leverage) ratio | 7.8141% | 6,548 |
| Tier 1 risk-based capital ratio | 11.6236% | 6,157 |
| Total risk-based capital ratio | 12.9004% | 6,135 |
| Memoranda: | ||
| Average total assets | $178,849,250 | 3,367 |
| Average earning assets | $168,763,750 | 3,276 |
| Average equity | $14,565,250 | 4,017 |
| Average total loans | $145,808,500 | 2,720 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 4,042 |
| Cost of funding earning assets | 1.3106% | 1,877 |
| Net interest margin | 3.5025% | 5,157 |
| Noninterest income to average assets | 0.2174% | 6,113 |
| Noninterest expense to average assets | 2.6247% | 5,093 |
| Loan and lease loss provision to assets | 2.1632% | 267 |
| Net operating income to assets | -0.7914% | 6,866 |
| Return on assets (ROA) | -0.7388% | 6,853 |
| Pretax return on assets | -1.2036% | 6,969 |
| Return on Equity (ROE) | -9.1181% | 6,909 |
| Retained earnings to average equity (ytd only) | -9.1181% | 6,835 |
| Net charge-offs to loans | 0.9277% | 1,676 |
| Credit loss provision to net charge-offs | 282.6087% | 1,082 |
| Earnings coverage of net charge-offs (x) | 1.1464% | 4,418 |
| Efficiency ratio | 74.9446% | 3,190 |
| Assets per employee ($millions) | 5.0513% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7203% | 1,160 |
| Loan loss allowance to noncurrent loans | 72.8457% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 3.1213% | 2,149 |
| Noncurrent loans to loans | 3.7343% | 1,880 |
| Net loans and leases to total assets | 76.9697% | 920 |
| Net loans and leases to deposits | 86.4154% | 1,729 |
| Net loans and leases to core deposits | 95.0069% | 1,796 |
| Total domestic deposits to total assets | 89.0694% | 1,496 |
| Equity capital to assets | 7.8225% | 6,790 |
| Core capital (leverage) ratio | 7.7537% | 6,543 |
| Tier 1 risk-based capital ratio | 11.0385% | 6,495 |
| Total risk-based capital ratio | 12.3113% | 6,465 |
| Memoranda: | ||
| Average total assets | $180,285,330 | 3,364 |
| Average earning assets | $169,078,670 | 3,290 |
| Average equity | $14,608,330 | 3,983 |
| Average total loans | $148,757,000 | 2,704 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 4,200 |
| Cost of funding earning assets | 1.2920% | 2,230 |
| Net interest margin | 3.4784% | 5,106 |
| Noninterest income to average assets | 0.1270% | 6,784 |
| Noninterest expense to average assets | 2.6072% | 5,196 |
| Loan and lease loss provision to assets | 0.6685% | 1,278 |
| Net operating income to assets | 0.1532% | 5,932 |
| Return on assets (ROA) | 0.2050% | 5,830 |
| Pretax return on assets | 0.2741% | 5,731 |
| Return on Equity (ROE) | 2.4865% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.4865% | 4,661 |
| Net charge-offs to loans | 0.9762% | 1,380 |
| Credit loss provision to net charge-offs | 81.3008% | 3,134 |
| Earnings coverage of net charge-offs (x) | 1.0623% | 3,867 |
| Efficiency ratio | 74.9040% | 3,346 |
| Assets per employee ($millions) | 4.8118% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 3,191 |
| Loan loss allowance to noncurrent loans | 58.6434% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.6444% | 2,602 |
| Noncurrent loans to loans | 2.9783% | 2,520 |
| Net loans and leases to total assets | 81.6775% | 371 |
| Net loans and leases to deposits | 92.2117% | 1,000 |
| Net loans and leases to core deposits | 103.9718% | 1,064 |
| Total domestic deposits to total assets | 88.5760% | 2,030 |
| Equity capital to assets | 8.3342% | 6,124 |
| Core capital (leverage) ratio | 8.2359% | 5,928 |
| Tier 1 risk-based capital ratio | 11.2486% | 6,307 |
| Total risk-based capital ratio | 12.5074% | 6,277 |
| Memoranda: | ||
| Average total assets | $179,504,500 | 3,392 |
| Average earning assets | $173,066,500 | 3,254 |
| Average equity | $14,800,000 | 3,938 |
| Average total loans | $151,195,000 | 2,698 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 5,274 |
| Cost of funding earning assets | 1.4389% | 3,027 |
| Net interest margin | 3.4006% | 5,631 |
| Noninterest income to average assets | 0.5393% | 3,890 |
| Noninterest expense to average assets | 2.4301% | 6,013 |
| Loan and lease loss provision to assets | 1.0828% | 1,478 |
| Net operating income to assets | 0.2099% | 5,243 |
| Return on assets (ROA) | 0.2739% | 5,187 |
| Pretax return on assets | 0.4026% | 4,936 |
| Return on Equity (ROE) | 3.5820% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.5820% | 3,349 |
| Net charge-offs to loans | 1.5101% | 1,456 |
| Credit loss provision to net charge-offs | 82.8640% | 5,452 |
| Earnings coverage of net charge-offs (x) | 1.0648% | 5,047 |
| Efficiency ratio | 63.5901% | 5,418 |
| Assets per employee ($millions) | 4.8911% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 3,138 |
| Loan loss allowance to noncurrent loans | 52.7110% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 3.4293% | 2,038 |
| Noncurrent loans to loans | 3.2613% | 2,328 |
| Net loans and leases to total assets | 83.8444% | 313 |
| Net loans and leases to deposits | 94.4977% | 1,011 |
| Net loans and leases to core deposits | 108.8831% | 992 |
| Total domestic deposits to total assets | 88.7264% | 1,810 |
| Equity capital to assets | 8.1571% | 6,311 |
| Core capital (leverage) ratio | 7.7688% | 6,475 |
| Tier 1 risk-based capital ratio | 10.7989% | 6,489 |
| Total risk-based capital ratio | 12.0575% | 6,445 |
| Memoranda: | ||
| Average total assets | $190,240,600 | 3,225 |
| Average earning assets | $183,612,200 | 3,085 |
| Average equity | $14,544,800 | 4,023 |
| Average total loans | $164,623,800 | 2,551 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 5,591 |
| Cost of funding earning assets | 1.4309% | 3,387 |
| Net interest margin | 3.3852% | 5,728 |
| Noninterest income to average assets | 0.5068% | 4,127 |
| Noninterest expense to average assets | 2.3861% | 6,074 |
| Loan and lease loss provision to assets | 1.1148% | 1,304 |
| Net operating income to assets | 0.1837% | 5,555 |
| Return on assets (ROA) | 0.2458% | 5,520 |
| Pretax return on assets | 0.3697% | 5,316 |
| Return on Equity (ROE) | 3.2664% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.2664% | 4,147 |
| Net charge-offs to loans | 1.5727% | 1,264 |
| Credit loss provision to net charge-offs | 81.6430% | 5,087 |
| Earnings coverage of net charge-offs (x) | 1.0183% | 5,042 |
| Efficiency ratio | 63.1830% | 5,407 |
| Assets per employee ($millions) | 5.3135% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 3,285 |
| Loan loss allowance to noncurrent loans | 47.8605% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.5810% | 1,989 |
| Noncurrent loans to loans | 3.4731% | 2,289 |
| Net loans and leases to total assets | 84.0596% | 328 |
| Net loans and leases to deposits | 95.5498% | 1,040 |
| Net loans and leases to core deposits | 113.7317% | 851 |
| Total domestic deposits to total assets | 87.9746% | 1,973 |
| Equity capital to assets | 7.6806% | 7,010 |
| Core capital (leverage) ratio | 7.4745% | 6,862 |
| Tier 1 risk-based capital ratio | 10.0993% | 7,014 |
| Total risk-based capital ratio | 11.3569% | 6,990 |
| Memoranda: | ||
| Average total assets | $192,558,000 | 3,251 |
| Average earning assets | $185,981,000 | 3,098 |
| Average equity | $14,490,500 | 4,097 |
| Average total loans | $167,182,750 | 2,553 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 5,226 |
| Cost of funding earning assets | 1.4047% | 3,850 |
| Net interest margin | 3.5353% | 5,108 |
| Noninterest income to average assets | 0.4394% | 4,614 |
| Noninterest expense to average assets | 2.3826% | 6,109 |
| Loan and lease loss provision to assets | 1.2281% | 1,143 |
| Net operating income to assets | 0.1605% | 5,691 |
| Return on assets (ROA) | 0.2508% | 5,511 |
| Pretax return on assets | 0.3845% | 5,271 |
| Return on Equity (ROE) | 3.3557% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.3557% | 3,974 |
| Net charge-offs to loans | 2.0427% | 888 |
| Credit loss provision to net charge-offs | 68.8953% | 4,997 |
| Earnings coverage of net charge-offs (x) | 0.8267% | 4,946 |
| Efficiency ratio | 61.7845% | 5,725 |
| Assets per employee ($millions) | 5.4063% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,820 |
| Loan loss allowance to noncurrent loans | 66.0182% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.3779% | 3,033 |
| Noncurrent loans to loans | 2.3012% | 3,370 |
| Net loans and leases to total assets | 84.7663% | 299 |
| Net loans and leases to deposits | 97.7196% | 901 |
| Net loans and leases to core deposits | 121.7171% | 642 |
| Total domestic deposits to total assets | 86.7445% | 2,680 |
| Equity capital to assets | 7.4712% | 7,132 |
| Core capital (leverage) ratio | 7.4842% | 6,835 |
| Tier 1 risk-based capital ratio | 9.8034% | 7,132 |
| Total risk-based capital ratio | 11.0595% | 7,112 |
| Memoranda: | ||
| Average total assets | $192,981,670 | 3,260 |
| Average earning assets | $186,520,670 | 3,110 |
| Average equity | $14,423,330 | 4,108 |
| Average total loans | $168,406,000 | 2,573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 4,811 |
| Cost of funding earning assets | 1.4037% | 4,145 |
| Net interest margin | 3.6405% | 4,537 |
| Noninterest income to average assets | 0.4122% | 4,792 |
| Noninterest expense to average assets | 2.3876% | 6,135 |
| Loan and lease loss provision to assets | 1.0928% | 1,124 |
| Net operating income to assets | 0.2935% | 5,324 |
| Return on assets (ROA) | 0.2935% | 5,454 |
| Pretax return on assets | 0.4517% | 5,127 |
| Return on Equity (ROE) | 3.9263% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.9263% | 3,782 |
| Net charge-offs to loans | 3.4019% | 422 |
| Credit loss provision to net charge-offs | 36.5599% | 4,704 |
| Earnings coverage of net charge-offs (x) | 0.5167% | 4,574 |
| Efficiency ratio | 60.7200% | 6,052 |
| Assets per employee ($millions) | 5.3693% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 4,896 |
| Loan loss allowance to noncurrent loans | 69.6756% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.7062% | 3,918 |
| Noncurrent loans to loans | 1.8761% | 3,957 |
| Net loans and leases to total assets | 84.7177% | 313 |
| Net loans and leases to deposits | 97.9150% | 916 |
| Net loans and leases to core deposits | 133.3627% | 417 |
| Total domestic deposits to total assets | 86.5217% | 2,886 |
| Equity capital to assets | 7.4864% | 7,082 |
| Core capital (leverage) ratio | 7.2929% | 7,035 |
| Tier 1 risk-based capital ratio | 9.8215% | 7,137 |
| Total risk-based capital ratio | 11.0745% | 7,133 |
| Memoranda: | ||
| Average total assets | $192,158,500 | 3,336 |
| Average earning assets | $185,800,500 | 3,177 |
| Average equity | $14,364,500 | 4,154 |
| Average total loans | $168,847,000 | 2,631 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 5,919 |
| Cost of funding earning assets | 1.6990% | 4,516 |
| Net interest margin | 3.4416% | 5,212 |
| Noninterest income to average assets | 0.5016% | 4,394 |
| Noninterest expense to average assets | 2.4049% | 6,449 |
| Loan and lease loss provision to assets | 0.6799% | 3,103 |
| Net operating income to assets | 0.5028% | 3,714 |
| Return on assets (ROA) | 0.5656% | 3,541 |
| Pretax return on assets | 0.8551% | 3,071 |
| Return on Equity (ROE) | 7.7305% | 2,483 |
| Retained earnings to average equity (ytd only) | 7.7305% | 765 |
| Net charge-offs to loans | 0.1929% | 5,438 |
| Credit loss provision to net charge-offs | 397.8328% | 799 |
| Earnings coverage of net charge-offs (x) | 8.4241% | 1,947 |
| Efficiency ratio | 62.5516% | 6,048 |
| Assets per employee ($millions) | 5.4577% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 2,562 |
| Loan loss allowance to noncurrent loans | 57.3237% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.8599% | 2,455 |
| Noncurrent loans to loans | 3.1280% | 2,448 |
| Net loans and leases to total assets | 88.3091% | 162 |
| Net loans and leases to deposits | 104.1136% | 642 |
| Net loans and leases to core deposits | 176.9453% | 181 |
| Total domestic deposits to total assets | 84.8200% | 3,638 |
| Equity capital to assets | 7.4641% | 7,058 |
| Core capital (leverage) ratio | 7.3667% | 6,919 |
| Tier 1 risk-based capital ratio | 9.4371% | 7,264 |
| Total risk-based capital ratio | 10.6968% | 7,240 |
| Memoranda: | ||
| Average total assets | $188,987,200 | 3,300 |
| Average earning assets | $183,577,600 | 3,173 |
| Average equity | $13,828,400 | 4,308 |
| Average total loans | $167,472,000 | 2,655 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 6,077 |
| Cost of funding earning assets | 1.7710% | 4,521 |
| Net interest margin | 3.3855% | 5,330 |
| Noninterest income to average assets | 0.5015% | 4,467 |
| Noninterest expense to average assets | 2.4243% | 6,335 |
| Loan and lease loss provision to assets | 0.4669% | 3,567 |
| Net operating income to assets | 0.5930% | 3,626 |
| Return on assets (ROA) | 0.6317% | 3,556 |
| Pretax return on assets | 0.9621% | 3,016 |
| Return on Equity (ROE) | 8.6775% | 2,385 |
| Retained earnings to average equity (ytd only) | 8.6775% | 926 |
| Net charge-offs to loans | 0.2276% | 4,634 |
| Credit loss provision to net charge-offs | 232.3944% | 1,878 |
| Earnings coverage of net charge-offs (x) | 6.8204% | 2,536 |
| Efficiency ratio | 63.8889% | 5,780 |
| Assets per employee ($millions) | 5.5267% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 3,656 |
| Loan loss allowance to noncurrent loans | 71.8732% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.8270% | 3,611 |
| Noncurrent loans to loans | 2.0281% | 3,601 |
| Net loans and leases to total assets | 87.1606% | 260 |
| Net loans and leases to deposits | 100.6315% | 1,053 |
| Net loans and leases to core deposits | 170.8899% | 266 |
| Total domestic deposits to total assets | 86.6137% | 2,371 |
| Equity capital to assets | 7.3368% | 7,406 |
| Core capital (leverage) ratio | 7.2401% | 7,232 |
| Tier 1 risk-based capital ratio | 9.4211% | 7,425 |
| Total risk-based capital ratio | 10.6763% | 7,393 |
| Memoranda: | ||
| Average total assets | $188,478,750 | 3,325 |
| Average earning assets | $183,324,000 | 3,200 |
| Average equity | $13,721,000 | 4,357 |
| Average total loans | $166,397,750 | 2,694 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 5,978 |
| Cost of funding earning assets | 1.8362% | 4,575 |
| Net interest margin | 3.3894% | 5,214 |
| Noninterest income to average assets | 0.5449% | 4,073 |
| Noninterest expense to average assets | 2.3990% | 6,461 |
| Loan and lease loss provision to assets | 0.3854% | 3,606 |
| Net operating income to assets | 0.6890% | 3,303 |
| Return on assets (ROA) | 0.7440% | 3,177 |
| Pretax return on assets | 1.1412% | 2,497 |
| Return on Equity (ROE) | 10.2477% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.2477% | 679 |
| Net charge-offs to loans | 0.0388% | 5,922 |
| Credit loss provision to net charge-offs | 1,125.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 42.0938% | 785 |
| Efficiency ratio | 62.4582% | 6,176 |
| Assets per employee ($millions) | 5.1386% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 3,510 |
| Loan loss allowance to noncurrent loans | 96.2613% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 4,209 |
| Noncurrent loans to loans | 1.4986% | 4,250 |
| Net loans and leases to total assets | 87.8945% | 241 |
| Net loans and leases to deposits | 99.7725% | 1,309 |
| Net loans and leases to core deposits | 182.4048% | 199 |
| Total domestic deposits to total assets | 88.0949% | 1,717 |
| Equity capital to assets | 7.2982% | 7,415 |
| Core capital (leverage) ratio | 7.2278% | 7,326 |
| Tier 1 risk-based capital ratio | 9.4280% | 7,453 |
| Total risk-based capital ratio | 10.6829% | 7,409 |
| Memoranda: | ||
| Average total assets | $186,826,330 | 3,381 |
| Average earning assets | $181,682,000 | 3,239 |
| Average equity | $13,564,000 | 4,406 |
| Average total loans | $164,832,330 | 2,742 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 6,133 |
| Cost of funding earning assets | 1.9454% | 4,396 |
| Net interest margin | 3.3001% | 5,502 |
| Noninterest income to average assets | 0.4860% | 4,452 |
| Noninterest expense to average assets | 2.3351% | 6,418 |
| Loan and lease loss provision to assets | 0.3240% | 3,379 |
| Net operating income to assets | 0.6826% | 3,647 |
| Return on assets (ROA) | 0.6826% | 3,832 |
| Pretax return on assets | 1.0369% | 3,218 |
| Return on Equity (ROE) | 9.4272% | 2,565 |
| Retained earnings to average equity (ytd only) | 9.4272% | 1,360 |
| Net charge-offs to loans | 0.0369% | 4,994 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 814 |
| Efficiency ratio | 63.1794% | 5,840 |
| Assets per employee ($millions) | 5.1372% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 3,722 |
| Loan loss allowance to noncurrent loans | 303.2301% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 6,330 |
| Noncurrent loans to loans | 0.4492% | 6,299 |
| Net loans and leases to total assets | 85.8309% | 473 |
| Net loans and leases to deposits | 100.3438% | 1,365 |
| Net loans and leases to core deposits | 181.2036% | 226 |
| Total domestic deposits to total assets | 85.5368% | 2,948 |
| Equity capital to assets | 7.1619% | 7,591 |
| Core capital (leverage) ratio | 7.1866% | 7,492 |
| Tier 1 risk-based capital ratio | 9.3554% | 7,544 |
| Total risk-based capital ratio | 10.6094% | 7,501 |
| Memoranda: | ||
| Average total assets | $185,175,500 | 3,425 |
| Average earning assets | $180,115,000 | 3,275 |
| Average equity | $13,408,000 | 4,475 |
| Average total loans | $162,469,500 | 2,804 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2250% | 4,389 |
| Cost of funding earning assets | 2.8354% | 2,552 |
| Net interest margin | 3.3896% | 5,698 |
| Noninterest income to average assets | 0.3913% | 5,545 |
| Noninterest expense to average assets | 2.4723% | 6,118 |
| Loan and lease loss provision to assets | 0.3640% | 3,507 |
| Net operating income to assets | 0.5420% | 4,567 |
| Return on assets (ROA) | 0.5448% | 4,404 |
| Pretax return on assets | 0.8172% | 4,003 |
| Return on Equity (ROE) | 7.0765% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.0765% | 1,127 |
| Net charge-offs to loans | 0.1277% | 4,962 |
| Credit loss provision to net charge-offs | 322.5806% | 1,398 |
| Earnings coverage of net charge-offs (x) | 10.4301% | 2,512 |
| Efficiency ratio | 67.7473% | 4,766 |
| Assets per employee ($millions) | 4.8723% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 3,610 |
| Loan loss allowance to noncurrent loans | 391.4972% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 6,370 |
| Noncurrent loans to loans | 0.3391% | 6,357 |
| Net loans and leases to total assets | 87.3244% | 433 |
| Net loans and leases to deposits | 102.8323% | 1,489 |
| Net loans and leases to core deposits | 170.4213% | 389 |
| Total domestic deposits to total assets | 84.9192% | 2,878 |
| Equity capital to assets | 7.3238% | 7,533 |
| Core capital (leverage) ratio | 7.4466% | 7,265 |
| Tier 1 risk-based capital ratio | 9.2942% | 7,529 |
| Total risk-based capital ratio | 10.5473% | 7,448 |
| Memoranda: | ||
| Average total assets | $164,826,400 | 3,633 |
| Average earning assets | $158,426,800 | 3,500 |
| Average equity | $12,689,800 | 4,651 |
| Average total loans | $145,664,800 | 2,996 |