Home > United Community Bank > Performance and Condition Ratios
United Community Bank, Performance and Condition Ratios
| 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 | 5.1895% | 529 |
| Cost of funding earning assets | 0.4833% | 2,844 |
| Net interest margin | 4.7062% | 518 |
| Noninterest income to average assets | 0.9462% | 1,359 |
| Noninterest expense to average assets | 3.6115% | 1,282 |
| Loan and lease loss provision to assets | 0.4963% | 308 |
| Net operating income to assets | 0.7693% | 3,520 |
| Return on assets (ROA) | 0.7693% | 3,623 |
| Pretax return on assets | 1.1468% | 2,885 |
| Return on Equity (ROE) | 7.0099% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.0099% | 1,408 |
| Net charge-offs to loans | 0.8882% | 366 |
| Credit loss provision to net charge-offs | 69.3727% | 3,092 |
| Earnings coverage of net charge-offs (x) | 2.2967% | 4,197 |
| Efficiency ratio | 68.7299% | 3,763 |
| Assets per employee ($millions) | 3.4660% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,983 |
| Loan loss allowance to noncurrent loans | 150.0859% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 2.1831% | 1,118 |
| Noncurrent loans to loans | 1.0872% | 2,650 |
| Net loans and leases to total assets | 80.0080% | 741 |
| Net loans and leases to deposits | 98.5775% | 716 |
| Net loans and leases to core deposits | 102.5963% | 1,202 |
| Total domestic deposits to total assets | 81.1626% | 4,693 |
| Equity capital to assets | 10.8972% | 3,016 |
| Core capital (leverage) ratio | 11.5542% | 1,938 |
| Tier 1 risk-based capital ratio | 12.7821% | 4,868 |
| Total risk-based capital ratio | 14.0361% | 4,776 |
| Memoranda: | ||
| Average total assets | $189,396,400 | 3,105 |
| Average earning assets | $173,387,600 | 3,117 |
| Average equity | $20,785,000 | 3,072 |
| Average total loans | $152,559,800 | 2,538 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 506 |
| Cost of funding earning assets | 0.4997% | 2,769 |
| Net interest margin | 4.7144% | 491 |
| Noninterest income to average assets | 1.0034% | 1,219 |
| Noninterest expense to average assets | 3.6692% | 1,172 |
| Loan and lease loss provision to assets | 0.5409% | 268 |
| Net operating income to assets | 0.7330% | 3,767 |
| Return on assets (ROA) | 0.7330% | 3,871 |
| Pretax return on assets | 1.1102% | 3,148 |
| Return on Equity (ROE) | 6.6668% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.6668% | 2,002 |
| Net charge-offs to loans | 0.5297% | 720 |
| Credit loss provision to net charge-offs | 127.0903% | 1,815 |
| Earnings coverage of net charge-offs (x) | 3.8796% | 3,579 |
| Efficiency ratio | 68.9674% | 3,684 |
| Assets per employee ($millions) | 3.2246% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0784% | 1,119 |
| Loan loss allowance to noncurrent loans | 91.6356% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.0944% | 1,338 |
| Noncurrent loans to loans | 2.2681% | 1,325 |
| Net loans and leases to total assets | 80.5873% | 652 |
| Net loans and leases to deposits | 95.8455% | 892 |
| Net loans and leases to core deposits | 99.6634% | 1,400 |
| Total domestic deposits to total assets | 84.0804% | 3,727 |
| Equity capital to assets | 11.2690% | 2,689 |
| Core capital (leverage) ratio | 11.5555% | 2,018 |
| Tier 1 risk-based capital ratio | 13.1912% | 4,734 |
| Total risk-based capital ratio | 14.4504% | 4,664 |
| Memoranda: | ||
| Average total assets | $187,354,500 | 3,161 |
| Average earning assets | $171,555,250 | 3,161 |
| Average equity | $20,599,000 | 3,105 |
| Average total loans | $150,527,500 | 2,569 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 517 |
| Cost of funding earning assets | 0.5104% | 2,729 |
| Net interest margin | 4.6795% | 510 |
| Noninterest income to average assets | 1.1554% | 876 |
| Noninterest expense to average assets | 3.6274% | 1,246 |
| Loan and lease loss provision to assets | 0.4054% | 412 |
| Net operating income to assets | 0.9292% | 2,663 |
| Return on assets (ROA) | 0.9292% | 2,765 |
| Pretax return on assets | 1.4072% | 1,867 |
| Return on Equity (ROE) | 8.5225% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.5225% | 1,137 |
| Net charge-offs to loans | 0.7095% | 539 |
| Credit loss provision to net charge-offs | 71.6981% | 2,439 |
| Earnings coverage of net charge-offs (x) | 3.2057% | 3,365 |
| Efficiency ratio | 66.6797% | 4,251 |
| Assets per employee ($millions) | 3.1059% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9223% | 1,525 |
| Loan loss allowance to noncurrent loans | 87.9915% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 1,548 |
| Noncurrent loans to loans | 2.1846% | 1,504 |
| Net loans and leases to total assets | 79.0423% | 793 |
| Net loans and leases to deposits | 89.4288% | 1,427 |
| Net loans and leases to core deposits | 92.9590% | 1,867 |
| Total domestic deposits to total assets | 88.3857% | 1,692 |
| Equity capital to assets | 11.2264% | 2,673 |
| Core capital (leverage) ratio | 11.0496% | 2,373 |
| Tier 1 risk-based capital ratio | 13.7991% | 4,387 |
| Total risk-based capital ratio | 15.0571% | 4,335 |
| Memoranda: | ||
| Average total assets | $187,463,670 | 3,176 |
| Average earning assets | $171,641,000 | 3,180 |
| Average equity | $20,440,000 | 3,124 |
| Average total loans | $149,397,000 | 2,586 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 627 |
| Cost of funding earning assets | 0.5408% | 2,495 |
| Net interest margin | 4.5281% | 622 |
| Noninterest income to average assets | 0.9467% | 1,268 |
| Noninterest expense to average assets | 3.5720% | 1,357 |
| Loan and lease loss provision to assets | 0.3191% | 578 |
| Net operating income to assets | 0.7957% | 3,174 |
| Return on assets (ROA) | 0.7957% | 3,250 |
| Pretax return on assets | 1.2063% | 2,466 |
| Return on Equity (ROE) | 7.4061% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.4061% | 1,857 |
| Net charge-offs to loans | 0.5638% | 657 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 3.4143% | 2,688 |
| Efficiency ratio | 70.0751% | 3,827 |
| Assets per employee ($millions) | 3.2006% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 1,687 |
| Loan loss allowance to noncurrent loans | 72.9657% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 3.0520% | 927 |
| Noncurrent loans to loans | 2.6362% | 1,296 |
| Net loans and leases to total assets | 79.0435% | 656 |
| Net loans and leases to deposits | 88.8353% | 1,269 |
| Net loans and leases to core deposits | 92.5087% | 1,683 |
| Total domestic deposits to total assets | 88.9776% | 1,678 |
| Equity capital to assets | 10.6194% | 3,115 |
| Core capital (leverage) ratio | 10.8297% | 2,562 |
| Tier 1 risk-based capital ratio | 13.1228% | 4,940 |
| Total risk-based capital ratio | 14.3809% | 4,867 |
| Memoranda: | ||
| Average total assets | $188,017,500 | 3,188 |
| Average earning assets | $172,345,000 | 3,189 |
| Average equity | $20,199,500 | 3,153 |
| Average total loans | $149,002,000 | 2,604 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 835 |
| Cost of funding earning assets | 0.6600% | 2,125 |
| Net interest margin | 4.3876% | 934 |
| Noninterest income to average assets | 0.6216% | 2,964 |
| Noninterest expense to average assets | 3.5134% | 1,619 |
| Loan and lease loss provision to assets | 0.3629% | 861 |
| Net operating income to assets | 0.5265% | 4,612 |
| Return on assets (ROA) | 0.5648% | 4,543 |
| Pretax return on assets | 0.8361% | 4,013 |
| Return on Equity (ROE) | 5.4774% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.4774% | 2,287 |
| Net charge-offs to loans | 1.1334% | 484 |
| Credit loss provision to net charge-offs | 41.4663% | 4,012 |
| Earnings coverage of net charge-offs (x) | 1.3059% | 4,629 |
| Efficiency ratio | 75.4574% | 2,864 |
| Assets per employee ($millions) | 3.0667% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 1,300 |
| Loan loss allowance to noncurrent loans | 66.8060% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 3.7886% | 726 |
| Noncurrent loans to loans | 3.1738% | 1,072 |
| Net loans and leases to total assets | 76.1950% | 1,043 |
| Net loans and leases to deposits | 85.7443% | 1,720 |
| Net loans and leases to core deposits | 89.5845% | 2,072 |
| Total domestic deposits to total assets | 88.8630% | 1,718 |
| Equity capital to assets | 10.8729% | 2,732 |
| Core capital (leverage) ratio | 10.5434% | 2,860 |
| Tier 1 risk-based capital ratio | 13.9172% | 4,349 |
| Total risk-based capital ratio | 15.1780% | 4,281 |
| Memoranda: | ||
| Average total assets | $190,159,800 | 3,154 |
| Average earning assets | $174,855,600 | 3,151 |
| Average equity | $19,608,000 | 3,198 |
| Average total loans | $146,818,600 | 2,606 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0219% | 902 |
| Cost of funding earning assets | 0.6723% | 2,159 |
| Net interest margin | 4.3497% | 985 |
| Noninterest income to average assets | 0.5355% | 3,551 |
| Noninterest expense to average assets | 3.3712% | 1,888 |
| Loan and lease loss provision to assets | 0.3234% | 1,029 |
| Net operating income to assets | 0.5553% | 4,556 |
| Return on assets (ROA) | 0.6044% | 4,453 |
| Pretax return on assets | 0.9160% | 3,809 |
| Return on Equity (ROE) | 5.9392% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.9392% | 2,450 |
| Net charge-offs to loans | 1.4523% | 331 |
| Credit loss provision to net charge-offs | 28.8999% | 3,916 |
| Earnings coverage of net charge-offs (x) | 1.0410% | 4,498 |
| Efficiency ratio | 74.3177% | 3,011 |
| Assets per employee ($millions) | 3.1972% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9061% | 1,990 |
| Loan loss allowance to noncurrent loans | 56.5149% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 3.5566% | 945 |
| Noncurrent loans to loans | 3.3728% | 1,150 |
| Net loans and leases to total assets | 78.2175% | 723 |
| Net loans and leases to deposits | 89.1386% | 1,254 |
| Net loans and leases to core deposits | 92.9312% | 1,683 |
| Total domestic deposits to total assets | 87.7482% | 2,275 |
| Equity capital to assets | 10.5019% | 3,272 |
| Core capital (leverage) ratio | 10.3925% | 3,114 |
| Tier 1 risk-based capital ratio | 13.2098% | 4,977 |
| Total risk-based capital ratio | 14.4680% | 4,911 |
| Memoranda: | ||
| Average total assets | $191,700,000 | 3,159 |
| Average earning assets | $176,316,000 | 3,154 |
| Average equity | $19,508,500 | 3,244 |
| Average total loans | $147,714,500 | 2,604 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 1,057 |
| Cost of funding earning assets | 0.6834% | 2,197 |
| Net interest margin | 4.2324% | 1,193 |
| Noninterest income to average assets | 0.5780% | 3,331 |
| Noninterest expense to average assets | 3.3395% | 1,969 |
| Loan and lease loss provision to assets | 0.2491% | 1,498 |
| Net operating income to assets | 0.5836% | 4,383 |
| Return on assets (ROA) | 0.6569% | 4,196 |
| Pretax return on assets | 0.9952% | 3,530 |
| Return on Equity (ROE) | 6.5231% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.5231% | 2,128 |
| Net charge-offs to loans | 1.3990% | 399 |
| Credit loss provision to net charge-offs | 23.3690% | 3,682 |
| Earnings coverage of net charge-offs (x) | 1.0633% | 4,177 |
| Efficiency ratio | 74.6636% | 2,999 |
| Assets per employee ($millions) | 2.9950% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 1,489 |
| Loan loss allowance to noncurrent loans | 58.4587% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 3.7036% | 996 |
| Noncurrent loans to loans | 3.7066% | 1,102 |
| Net loans and leases to total assets | 75.9430% | 994 |
| Net loans and leases to deposits | 86.4812% | 1,517 |
| Net loans and leases to core deposits | 90.7638% | 1,834 |
| Total domestic deposits to total assets | 87.8145% | 2,376 |
| Equity capital to assets | 10.2417% | 3,604 |
| Core capital (leverage) ratio | 10.1370% | 3,309 |
| Tier 1 risk-based capital ratio | 13.2606% | 4,948 |
| Total risk-based capital ratio | 14.5220% | 4,882 |
| Memoranda: | ||
| Average total assets | $192,722,330 | 3,155 |
| Average earning assets | $177,347,000 | 3,154 |
| Average equity | $19,408,000 | 3,278 |
| Average total loans | $146,815,670 | 2,622 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 1,205 |
| Cost of funding earning assets | 0.6910% | 2,299 |
| Net interest margin | 4.1503% | 1,326 |
| Noninterest income to average assets | 0.7079% | 2,550 |
| Noninterest expense to average assets | 3.2808% | 2,129 |
| Loan and lease loss provision to assets | 0.2484% | 1,453 |
| Net operating income to assets | 0.6570% | 3,918 |
| Return on assets (ROA) | 0.8031% | 3,279 |
| Pretax return on assets | 1.2171% | 2,513 |
| Return on Equity (ROE) | 8.0429% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.0429% | 1,740 |
| Net charge-offs to loans | 2.3123% | 188 |
| Credit loss provision to net charge-offs | 14.2349% | 3,106 |
| Earnings coverage of net charge-offs (x) | 0.7129% | 3,590 |
| Efficiency ratio | 72.5069% | 3,516 |
| Assets per employee ($millions) | 3.1329% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2501% | 1,486 |
| Loan loss allowance to noncurrent loans | 53.6992% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 3.9389% | 1,025 |
| Noncurrent loans to loans | 4.1902% | 1,049 |
| Net loans and leases to total assets | 73.5365% | 1,140 |
| Net loans and leases to deposits | 83.5926% | 1,641 |
| Net loans and leases to core deposits | 87.6549% | 1,944 |
| Total domestic deposits to total assets | 87.9701% | 2,333 |
| Equity capital to assets | 10.0138% | 4,135 |
| Core capital (leverage) ratio | 10.1131% | 3,261 |
| Tier 1 risk-based capital ratio | 13.0805% | 5,158 |
| Total risk-based capital ratio | 14.3425% | 5,100 |
| Memoranda: | ||
| Average total assets | $193,244,500 | 3,178 |
| Average earning assets | $177,723,000 | 3,177 |
| Average equity | $19,296,500 | 3,339 |
| Average total loans | $145,828,500 | 2,643 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1748% | 1,163 |
| Cost of funding earning assets | 0.9150% | 1,846 |
| Net interest margin | 4.2598% | 1,497 |
| Noninterest income to average assets | 0.6854% | 2,798 |
| Noninterest expense to average assets | 3.3712% | 2,129 |
| Loan and lease loss provision to assets | 1.4967% | 215 |
| Net operating income to assets | -0.1472% | 6,340 |
| Return on assets (ROA) | -0.1213% | 6,399 |
| Pretax return on assets | -0.2300% | 6,435 |
| Return on Equity (ROE) | -1.2231% | 6,400 |
| Retained earnings to average equity (ytd only) | -1.2231% | 6,045 |
| Net charge-offs to loans | 0.5779% | 1,994 |
| Credit loss provision to net charge-offs | 341.5677% | 716 |
| Earnings coverage of net charge-offs (x) | 2.8278% | 4,015 |
| Efficiency ratio | 73.1234% | 3,219 |
| Assets per employee ($millions) | 3.1008% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7561% | 868 |
| Loan loss allowance to noncurrent loans | 54.5195% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 4.6076% | 886 |
| Noncurrent loans to loans | 5.0553% | 782 |
| Net loans and leases to total assets | 73.6132% | 1,247 |
| Net loans and leases to deposits | 83.5661% | 1,805 |
| Net loans and leases to core deposits | 87.6882% | 2,123 |
| Total domestic deposits to total assets | 88.0899% | 2,178 |
| Equity capital to assets | 9.9569% | 4,225 |
| Core capital (leverage) ratio | 9.9302% | 3,499 |
| Tier 1 risk-based capital ratio | 13.0696% | 5,056 |
| Total risk-based capital ratio | 14.3384% | 4,991 |
| Memoranda: | ||
| Average total assets | $192,157,600 | 3,149 |
| Average earning assets | $177,049,200 | 3,134 |
| Average equity | $19,049,400 | 3,326 |
| Average total loans | $145,696,600 | 2,634 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2123% | 1,166 |
| Cost of funding earning assets | 0.9682% | 1,744 |
| Net interest margin | 4.2441% | 1,612 |
| Noninterest income to average assets | 0.6606% | 2,928 |
| Noninterest expense to average assets | 3.3573% | 2,113 |
| Loan and lease loss provision to assets | 1.8306% | 152 |
| Net operating income to assets | -0.3947% | 6,643 |
| Return on assets (ROA) | -0.3602% | 6,671 |
| Pretax return on assets | -0.5787% | 6,736 |
| Return on Equity (ROE) | -3.6370% | 6,658 |
| Retained earnings to average equity (ytd only) | -3.6370% | 6,527 |
| Net charge-offs to loans | 0.9441% | 1,147 |
| Credit loss provision to net charge-offs | 255.6202% | 1,071 |
| Earnings coverage of net charge-offs (x) | 1.6967% | 4,424 |
| Efficiency ratio | 73.4254% | 3,081 |
| Assets per employee ($millions) | 3.1449% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4302% | 1,301 |
| Loan loss allowance to noncurrent loans | 54.5192% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 4.2557% | 1,110 |
| Noncurrent loans to loans | 4.4575% | 1,065 |
| Net loans and leases to total assets | 74.9876% | 1,113 |
| Net loans and leases to deposits | 85.2923% | 1,687 |
| Net loans and leases to core deposits | 89.3187% | 2,065 |
| Total domestic deposits to total assets | 87.9184% | 2,094 |
| Equity capital to assets | 9.8391% | 4,726 |
| Core capital (leverage) ratio | 9.6531% | 4,044 |
| Tier 1 risk-based capital ratio | 12.6976% | 5,479 |
| Total risk-based capital ratio | 13.9621% | 5,436 |
| Memoranda: | ||
| Average total assets | $192,135,000 | 3,184 |
| Average earning assets | $177,089,750 | 3,173 |
| Average equity | $19,026,250 | 3,358 |
| Average total loans | $145,738,000 | 2,663 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 1,139 |
| Cost of funding earning assets | 1.0193% | 1,654 |
| Net interest margin | 4.2337% | 1,656 |
| Noninterest income to average assets | 0.7012% | 2,664 |
| Noninterest expense to average assets | 3.3376% | 2,190 |
| Loan and lease loss provision to assets | 0.7387% | 708 |
| Net operating income to assets | 0.3651% | 5,354 |
| Return on assets (ROA) | 0.4172% | 5,382 |
| Pretax return on assets | 0.5909% | 5,173 |
| Return on Equity (ROE) | 4.2041% | 5,176 |
| Retained earnings to average equity (ytd only) | 4.2041% | 3,813 |
| Net charge-offs to loans | 0.6572% | 1,681 |
| Credit loss provision to net charge-offs | 148.8470% | 1,860 |
| Earnings coverage of net charge-offs (x) | 2.5681% | 3,728 |
| Efficiency ratio | 72.3663% | 3,365 |
| Assets per employee ($millions) | 3.2078% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 3,962 |
| Loan loss allowance to noncurrent loans | 39.0943% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 3.5954% | 1,464 |
| Noncurrent loans to loans | 3.8664% | 1,443 |
| Net loans and leases to total assets | 74.8165% | 1,126 |
| Net loans and leases to deposits | 85.2558% | 1,694 |
| Net loans and leases to core deposits | 89.5515% | 2,029 |
| Total domestic deposits to total assets | 87.7553% | 2,307 |
| Equity capital to assets | 10.2844% | 3,957 |
| Core capital (leverage) ratio | 9.9895% | 3,431 |
| Tier 1 risk-based capital ratio | 13.3888% | 4,911 |
| Total risk-based capital ratio | 14.6418% | 4,869 |
| Memoranda: | ||
| Average total assets | $192,234,330 | 3,191 |
| Average earning assets | $177,576,330 | 3,170 |
| Average equity | $19,076,670 | 3,343 |
| Average total loans | $145,171,670 | 2,682 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 941 |
| Cost of funding earning assets | 1.0801% | 1,498 |
| Net interest margin | 4.2999% | 1,466 |
| Noninterest income to average assets | 0.7183% | 2,561 |
| Noninterest expense to average assets | 3.2792% | 2,355 |
| Loan and lease loss provision to assets | 1.0410% | 391 |
| Net operating income to assets | 0.2557% | 5,795 |
| Return on assets (ROA) | 0.3602% | 5,613 |
| Pretax return on assets | 0.4789% | 5,493 |
| Return on Equity (ROE) | 3.6970% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.6970% | 4,368 |
| Net charge-offs to loans | -0.0332% | 6,386 |
| Credit loss provision to net charge-offs | -4,166.6667% | 6,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9378% | 3,825 |
| Assets per employee ($millions) | 3.2519% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 3,305 |
| Loan loss allowance to noncurrent loans | 61.1248% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.3161% | 2,563 |
| Noncurrent loans to loans | 2.7980% | 2,313 |
| Net loans and leases to total assets | 73.3124% | 1,169 |
| Net loans and leases to deposits | 84.6643% | 1,578 |
| Net loans and leases to core deposits | 88.9731% | 1,956 |
| Total domestic deposits to total assets | 86.5919% | 3,178 |
| Equity capital to assets | 9.7615% | 4,436 |
| Core capital (leverage) ratio | 9.9164% | 3,475 |
| Tier 1 risk-based capital ratio | 13.0697% | 5,153 |
| Total risk-based capital ratio | 14.3254% | 5,118 |
| Memoranda: | ||
| Average total assets | $192,118,000 | 3,210 |
| Average earning assets | $177,399,000 | 3,185 |
| Average equity | $18,718,000 | 3,391 |
| Average total loans | $144,654,000 | 2,710 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6618% | 845 |
| Cost of funding earning assets | 1.3449% | 1,265 |
| Net interest margin | 4.3170% | 1,646 |
| Noninterest income to average assets | 0.7791% | 2,172 |
| Noninterest expense to average assets | 3.3304% | 2,420 |
| Loan and lease loss provision to assets | 0.9789% | 977 |
| Net operating income to assets | 0.3097% | 5,213 |
| Return on assets (ROA) | 0.3097% | 5,372 |
| Pretax return on assets | 0.4694% | 5,078 |
| Return on Equity (ROE) | 3.3922% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.3922% | 3,806 |
| Net charge-offs to loans | 1.1940% | 1,410 |
| Credit loss provision to net charge-offs | 106.6740% | 3,179 |
| Earnings coverage of net charge-offs (x) | 1.5782% | 4,590 |
| Efficiency ratio | 69.6922% | 4,025 |
| Assets per employee ($millions) | 3.1004% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 4,582 |
| Loan loss allowance to noncurrent loans | 51.5649% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.2948% | 2,633 |
| Noncurrent loans to loans | 2.6666% | 2,437 |
| Net loans and leases to total assets | 74.9777% | 1,089 |
| Net loans and leases to deposits | 86.6150% | 1,593 |
| Net loans and leases to core deposits | 91.1668% | 1,967 |
| Total domestic deposits to total assets | 86.5643% | 3,003 |
| Equity capital to assets | 9.7238% | 4,557 |
| Core capital (leverage) ratio | 9.3369% | 4,273 |
| Tier 1 risk-based capital ratio | 12.8451% | 5,201 |
| Total risk-based capital ratio | 14.0966% | 5,175 |
| Memoranda: | ||
| Average total assets | $199,197,200 | 3,066 |
| Average earning assets | $184,551,000 | 3,033 |
| Average equity | $18,188,800 | 3,401 |
| Average total loans | $153,096,600 | 2,599 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6399% | 961 |
| Cost of funding earning assets | 1.3952% | 1,253 |
| Net interest margin | 4.2447% | 1,931 |
| Noninterest income to average assets | 0.7971% | 2,067 |
| Noninterest expense to average assets | 3.2732% | 2,584 |
| Loan and lease loss provision to assets | 0.7106% | 1,350 |
| Net operating income to assets | 0.4944% | 4,570 |
| Return on assets (ROA) | 0.4944% | 4,758 |
| Pretax return on assets | 0.7489% | 4,314 |
| Return on Equity (ROE) | 5.4983% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.4983% | 2,862 |
| Net charge-offs to loans | 1.0174% | 1,580 |
| Credit loss provision to net charge-offs | 90.6408% | 3,751 |
| Earnings coverage of net charge-offs (x) | 1.8617% | 4,272 |
| Efficiency ratio | 69.1620% | 4,100 |
| Assets per employee ($millions) | 3.1375% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,643 |
| Loan loss allowance to noncurrent loans | 27.4949% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 3.4888% | 1,809 |
| Noncurrent loans to loans | 4.2152% | 1,555 |
| Net loans and leases to total assets | 75.2478% | 1,105 |
| Net loans and leases to deposits | 88.0200% | 1,434 |
| Net loans and leases to core deposits | 92.7606% | 1,910 |
| Total domestic deposits to total assets | 85.4894% | 3,502 |
| Equity capital to assets | 9.3761% | 5,266 |
| Core capital (leverage) ratio | 9.1942% | 4,636 |
| Tier 1 risk-based capital ratio | 12.3718% | 5,605 |
| Total risk-based capital ratio | 13.5463% | 5,655 |
| Memoranda: | ||
| Average total assets | $201,715,750 | 3,055 |
| Average earning assets | $187,019,000 | 3,011 |
| Average equity | $18,138,500 | 3,413 |
| Average total loans | $155,426,500 | 2,581 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6587% | 947 |
| Cost of funding earning assets | 1.4462% | 1,205 |
| Net interest margin | 4.2125% | 1,982 |
| Noninterest income to average assets | 0.8106% | 1,970 |
| Noninterest expense to average assets | 3.1921% | 2,933 |
| Loan and lease loss provision to assets | 0.7141% | 1,317 |
| Net operating income to assets | 0.5397% | 4,338 |
| Return on assets (ROA) | 0.5397% | 4,474 |
| Pretax return on assets | 0.8175% | 3,957 |
| Return on Equity (ROE) | 6.0865% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.0865% | 2,371 |
| Net charge-offs to loans | 1.2924% | 1,196 |
| Credit loss provision to net charge-offs | 71.4286% | 4,019 |
| Earnings coverage of net charge-offs (x) | 1.5320% | 4,144 |
| Efficiency ratio | 67.5771% | 4,594 |
| Assets per employee ($millions) | 3.2775% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,353 |
| Loan loss allowance to noncurrent loans | 41.2168% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 2.0521% | 3,168 |
| Noncurrent loans to loans | 2.4181% | 2,970 |
| Net loans and leases to total assets | 76.5013% | 1,001 |
| Net loans and leases to deposits | 88.9677% | 1,378 |
| Net loans and leases to core deposits | 93.5546% | 1,953 |
| Total domestic deposits to total assets | 85.9877% | 3,334 |
| Equity capital to assets | 9.0071% | 5,572 |
| Core capital (leverage) ratio | 8.7740% | 5,086 |
| Tier 1 risk-based capital ratio | 11.8024% | 5,936 |
| Total risk-based capital ratio | 12.8189% | 6,105 |
| Memoranda: | ||
| Average total assets | $203,066,670 | 3,064 |
| Average earning assets | $188,629,330 | 3,016 |
| Average equity | $18,007,000 | 3,413 |
| Average total loans | $157,075,000 | 2,581 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6788% | 922 |
| Cost of funding earning assets | 1.4588% | 1,338 |
| Net interest margin | 4.2200% | 1,835 |
| Noninterest income to average assets | 0.7232% | 2,429 |
| Noninterest expense to average assets | 3.1823% | 2,953 |
| Loan and lease loss provision to assets | 0.5419% | 1,601 |
| Net operating income to assets | 0.6187% | 3,934 |
| Return on assets (ROA) | 0.6187% | 4,003 |
| Pretax return on assets | 0.9379% | 3,374 |
| Return on Equity (ROE) | 7.0329% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.0329% | 2,134 |
| Net charge-offs to loans | 1.0083% | 1,354 |
| Credit loss provision to net charge-offs | 69.4444% | 3,363 |
| Earnings coverage of net charge-offs (x) | 1.8965% | 3,360 |
| Efficiency ratio | 68.2587% | 4,609 |
| Assets per employee ($millions) | 3.2109% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 6,016 |
| Loan loss allowance to noncurrent loans | 33.9667% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 2.7178% | 2,536 |
| Noncurrent loans to loans | 3.2604% | 2,303 |
| Net loans and leases to total assets | 75.3494% | 1,131 |
| Net loans and leases to deposits | 88.8850% | 1,369 |
| Net loans and leases to core deposits | 93.7380% | 1,919 |
| Total domestic deposits to total assets | 84.7718% | 4,138 |
| Equity capital to assets | 8.7752% | 5,538 |
| Core capital (leverage) ratio | 8.8266% | 4,887 |
| Tier 1 risk-based capital ratio | 11.7210% | 5,923 |
| Total risk-based capital ratio | 12.8541% | 6,005 |
| Memoranda: | ||
| Average total assets | $202,996,500 | 3,081 |
| Average earning assets | $189,476,500 | 3,021 |
| Average equity | $17,859,000 | 3,418 |
| Average total loans | $157,102,000 | 2,603 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 1,044 |
| Cost of funding earning assets | 1.8900% | 877 |
| Net interest margin | 4.0101% | 2,978 |
| Noninterest income to average assets | 0.8063% | 2,249 |
| Noninterest expense to average assets | 3.0124% | 3,798 |
| Loan and lease loss provision to assets | 0.6257% | 2,630 |
| Net operating income to assets | 0.6517% | 3,431 |
| Return on assets (ROA) | 0.6517% | 3,578 |
| Pretax return on assets | 0.9055% | 3,263 |
| Return on Equity (ROE) | 7.8235% | 2,766 |
| Retained earnings to average equity (ytd only) | 7.8235% | 1,037 |
| Net charge-offs to loans | 0.6135% | 3,197 |
| Credit loss provision to net charge-offs | 133.2288% | 2,939 |
| Earnings coverage of net charge-offs (x) | 3.2602% | 3,447 |
| Efficiency ratio | 66.2994% | 4,920 |
| Assets per employee ($millions) | 3.1327% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 5,616 |
| Loan loss allowance to noncurrent loans | 49.6387% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9657% | 3,386 |
| Noncurrent loans to loans | 2.3708% | 3,150 |
| Net loans and leases to total assets | 77.6945% | 991 |
| Net loans and leases to deposits | 92.1886% | 1,252 |
| Net loans and leases to core deposits | 95.2524% | 2,095 |
| Total domestic deposits to total assets | 84.2778% | 4,231 |
| Equity capital to assets | 8.8208% | 5,402 |
| Core capital (leverage) ratio | 8.5386% | 5,287 |
| Tier 1 risk-based capital ratio | 11.4280% | 5,967 |
| Total risk-based capital ratio | 12.6310% | 6,002 |
| Memoranda: | ||
| Average total assets | $203,760,400 | 3,055 |
| Average earning assets | $189,895,400 | 3,009 |
| Average equity | $16,974,400 | 3,594 |
| Average total loans | $155,978,400 | 2,672 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8750% | 1,192 |
| Cost of funding earning assets | 1.9623% | 850 |
| Net interest margin | 3.9127% | 3,477 |
| Noninterest income to average assets | 0.8251% | 2,102 |
| Noninterest expense to average assets | 2.9654% | 3,869 |
| Loan and lease loss provision to assets | 0.6191% | 2,462 |
| Net operating income to assets | 0.5840% | 3,940 |
| Return on assets (ROA) | 0.5840% | 4,104 |
| Pretax return on assets | 0.8844% | 3,605 |
| Return on Equity (ROE) | 7.1123% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.1123% | 1,792 |
| Net charge-offs to loans | 0.5160% | 3,229 |
| Credit loss provision to net charge-offs | 157.8073% | 2,422 |
| Earnings coverage of net charge-offs (x) | 3.8322% | 3,284 |
| Efficiency ratio | 66.3555% | 4,782 |
| Assets per employee ($millions) | 3.4210% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,567 |
| Loan loss allowance to noncurrent loans | 102.7808% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 5,338 |
| Noncurrent loans to loans | 1.1527% | 4,934 |
| Net loans and leases to total assets | 75.3396% | 1,523 |
| Net loans and leases to deposits | 89.8498% | 1,746 |
| Net loans and leases to core deposits | 95.8075% | 2,288 |
| Total domestic deposits to total assets | 83.8506% | 4,212 |
| Equity capital to assets | 8.3184% | 6,487 |
| Core capital (leverage) ratio | 8.0706% | 6,246 |
| Tier 1 risk-based capital ratio | 11.0763% | 6,309 |
| Total risk-based capital ratio | 12.2909% | 6,319 |
| Memoranda: | ||
| Average total assets | $204,577,250 | 3,084 |
| Average earning assets | $190,521,500 | 3,035 |
| Average equity | $16,796,750 | 3,681 |
| Average total loans | $155,566,250 | 2,720 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9162% | 1,145 |
| Cost of funding earning assets | 2.0281% | 833 |
| Net interest margin | 3.8881% | 3,502 |
| Noninterest income to average assets | 0.8356% | 1,941 |
| Noninterest expense to average assets | 2.8709% | 4,181 |
| Loan and lease loss provision to assets | 0.7628% | 1,881 |
| Net operating income to assets | 0.5413% | 4,135 |
| Return on assets (ROA) | 0.5413% | 4,284 |
| Pretax return on assets | 0.8208% | 3,812 |
| Return on Equity (ROE) | 6.6228% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.6228% | 2,005 |
| Net charge-offs to loans | 0.7047% | 2,457 |
| Credit loss provision to net charge-offs | 142.4632% | 2,793 |
| Earnings coverage of net charge-offs (x) | 2.9577% | 3,518 |
| Efficiency ratio | 64.4498% | 5,250 |
| Assets per employee ($millions) | 3.3307% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,890 |
| Loan loss allowance to noncurrent loans | 78.5778% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 4,954 |
| Noncurrent loans to loans | 1.4148% | 4,587 |
| Net loans and leases to total assets | 76.1568% | 1,470 |
| Net loans and leases to deposits | 93.6592% | 1,320 |
| Net loans and leases to core deposits | 99.8229% | 2,039 |
| Total domestic deposits to total assets | 81.3126% | 5,286 |
| Equity capital to assets | 8.2362% | 6,500 |
| Core capital (leverage) ratio | 8.1952% | 5,945 |
| Tier 1 risk-based capital ratio | 10.8124% | 6,443 |
| Total risk-based capital ratio | 11.9473% | 6,521 |
| Memoranda: | ||
| Average total assets | $203,208,670 | 3,121 |
| Average earning assets | $189,142,330 | 3,073 |
| Average equity | $16,609,330 | 3,699 |
| Average total loans | $154,386,330 | 2,771 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8150% | 1,413 |
| Cost of funding earning assets | 2.0713% | 884 |
| Net interest margin | 3.7437% | 4,038 |
| Noninterest income to average assets | 0.8752% | 1,719 |
| Noninterest expense to average assets | 2.8299% | 4,369 |
| Loan and lease loss provision to assets | 0.7938% | 1,595 |
| Net operating income to assets | 0.4842% | 4,475 |
| Return on assets (ROA) | 0.4842% | 4,607 |
| Pretax return on assets | 0.7343% | 4,112 |
| Return on Equity (ROE) | 5.9476% | 3,898 |
| Retained earnings to average equity (ytd only) | 5.9476% | 2,641 |
| Net charge-offs to loans | 1.0285% | 1,601 |
| Credit loss provision to net charge-offs | 102.3018% | 3,327 |
| Earnings coverage of net charge-offs (x) | 1.9693% | 3,552 |
| Efficiency ratio | 64.9362% | 5,317 |
| Assets per employee ($millions) | 3.3410% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,441 |
| Loan loss allowance to noncurrent loans | 93.3575% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 5,533 |
| Noncurrent loans to loans | 1.0761% | 5,198 |
| Net loans and leases to total assets | 74.7507% | 1,795 |
| Net loans and leases to deposits | 92.1676% | 1,591 |
| Net loans and leases to core deposits | 98.3207% | 2,308 |
| Total domestic deposits to total assets | 81.1030% | 5,423 |
| Equity capital to assets | 8.1909% | 6,442 |
| Core capital (leverage) ratio | 8.1036% | 6,066 |
| Tier 1 risk-based capital ratio | 11.0441% | 6,119 |
| Total risk-based capital ratio | 12.0765% | 6,298 |
| Memoranda: | ||
| Average total assets | $201,561,500 | 3,202 |
| Average earning assets | $187,514,000 | 3,154 |
| Average equity | $16,410,000 | 3,759 |
| Average total loans | $152,062,500 | 2,856 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4049% | 819 |
| Cost of funding earning assets | 2.1712% | 2,153 |
| Net interest margin | 4.2337% | 1,962 |
| Noninterest income to average assets | 1.0517% | 1,405 |
| Noninterest expense to average assets | 3.4105% | 2,640 |
| Loan and lease loss provision to assets | 0.4027% | 4,401 |
| Net operating income to assets | 0.6536% | 3,123 |
| Return on assets (ROA) | 0.6536% | 3,175 |
| Pretax return on assets | 1.1167% | 2,197 |
| Return on Equity (ROE) | 8.0376% | 2,355 |
| Retained earnings to average equity (ytd only) | 8.0376% | 689 |
| Net charge-offs to loans | 0.2887% | 4,826 |
| Credit loss provision to net charge-offs | 177.6650% | 2,351 |
| Earnings coverage of net charge-offs (x) | 6.7030% | 2,307 |
| Efficiency ratio | 69.1796% | 4,790 |
| Assets per employee ($millions) | 3.2676% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 6,254 |
| Loan loss allowance to noncurrent loans | 112.6007% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 5,737 |
| Noncurrent loans to loans | 0.9086% | 5,490 |
| Net loans and leases to total assets | 74.6025% | 2,116 |
| Net loans and leases to deposits | 92.2073% | 1,866 |
| Net loans and leases to core deposits | 118.0946% | 2,122 |
| Total domestic deposits to total assets | 80.9074% | 5,371 |
| Equity capital to assets | 8.0909% | 6,472 |
| Core capital (leverage) ratio | 8.1064% | 5,978 |
| Tier 1 risk-based capital ratio | 10.8747% | 6,037 |
| Total risk-based capital ratio | 11.9198% | 6,209 |
| Memoranda: | ||
| Average total assets | $173,815,400 | 3,538 |
| Average earning assets | $159,222,200 | 3,534 |
| Average equity | $14,133,600 | 4,224 |
| Average total loans | $136,450,800 | 3,146 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5452% | 682 |
| Cost of funding earning assets | 2.1319% | 2,740 |
| Net interest margin | 4.4132% | 1,412 |
| Noninterest income to average assets | 1.0328% | 1,488 |
| Noninterest expense to average assets | 3.4822% | 2,325 |
| Loan and lease loss provision to assets | 0.3583% | 4,169 |
| Net operating income to assets | 0.8027% | 2,805 |
| Return on assets (ROA) | 0.8027% | 2,871 |
| Pretax return on assets | 1.2159% | 2,213 |
| Return on Equity (ROE) | 9.8566% | 1,974 |
| Retained earnings to average equity (ytd only) | 9.8566% | 664 |
| Net charge-offs to loans | 0.1053% | 5,616 |
| Credit loss provision to net charge-offs | 428.5714% | 924 |
| Earnings coverage of net charge-offs (x) | 18.8281% | 1,330 |
| Efficiency ratio | 68.8661% | 4,814 |
| Assets per employee ($millions) | 3.1077% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,786 |
| Loan loss allowance to noncurrent loans | 85.3196% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 5,147 |
| Noncurrent loans to loans | 1.2787% | 4,804 |
| Net loans and leases to total assets | 74.1094% | 2,490 |
| Net loans and leases to deposits | 91.7656% | 2,275 |
| Net loans and leases to core deposits | 117.3342% | 2,486 |
| Total domestic deposits to total assets | 80.7594% | 5,169 |
| Equity capital to assets | 7.5536% | 7,258 |
| Core capital (leverage) ratio | 8.3045% | 5,825 |
| Tier 1 risk-based capital ratio | 9.7757% | 7,159 |
| Total risk-based capital ratio | 10.8473% | 7,268 |
| Memoranda: | ||
| Average total assets | $167,438,500 | 3,671 |
| Average earning assets | $152,658,500 | 3,678 |
| Average equity | $13,635,250 | 4,382 |
| Average total loans | $133,004,250 | 3,240 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8913% | 388 |
| Cost of funding earning assets | 2.1666% | 2,953 |
| Net interest margin | 4.7248% | 767 |
| Noninterest income to average assets | 1.0413% | 1,462 |
| Noninterest expense to average assets | 3.7466% | 1,748 |
| Loan and lease loss provision to assets | 0.3773% | 3,667 |
| Net operating income to assets | 0.7898% | 2,891 |
| Return on assets (ROA) | 0.7898% | 2,985 |
| Pretax return on assets | 1.1960% | 2,314 |
| Return on Equity (ROE) | 9.4231% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.4231% | 836 |
| Net charge-offs to loans | 0.1145% | 5,010 |
| Credit loss provision to net charge-offs | 405.4054% | 1,143 |
| Earnings coverage of net charge-offs (x) | 16.9054% | 1,513 |
| Efficiency ratio | 70.4255% | 4,695 |
| Assets per employee ($millions) | 2.6188% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,783 |
| Loan loss allowance to noncurrent loans | 121.9247% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7243% | 5,598 |
| Noncurrent loans to loans | 0.8777% | 5,457 |
| Net loans and leases to total assets | 81.6370% | 1,018 |
| Net loans and leases to deposits | 104.7699% | 845 |
| Net loans and leases to core deposits | 120.6903% | 2,304 |
| Total domestic deposits to total assets | 77.9203% | 6,095 |
| Equity capital to assets | 8.2650% | 6,390 |
| Core capital (leverage) ratio | 8.4453% | 5,534 |
| Tier 1 risk-based capital ratio | 9.9871% | 6,944 |
| Total risk-based capital ratio | 11.0582% | 7,073 |
| Memoranda: | ||
| Average total assets | $159,026,000 | 3,848 |
| Average earning assets | $144,007,330 | 3,858 |
| Average equity | $13,329,000 | 4,461 |
| Average total loans | $129,217,000 | 3,352 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7905% | 490 |
| Cost of funding earning assets | 2.1817% | 3,258 |
| Net interest margin | 4.6087% | 928 |
| Noninterest income to average assets | 0.9741% | 1,562 |
| Noninterest expense to average assets | 3.7143% | 1,625 |
| Loan and lease loss provision to assets | 0.3845% | 3,018 |
| Net operating income to assets | 0.6716% | 3,699 |
| Return on assets (ROA) | 0.6716% | 3,881 |
| Pretax return on assets | 1.0176% | 3,278 |
| Return on Equity (ROE) | 7.9542% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.9542% | 1,830 |
| Net charge-offs to loans | 0.0318% | 5,073 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 54.7000% | 680 |
| Efficiency ratio | 72.5952% | 4,086 |
| Assets per employee ($millions) | 2.5468% | 7,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 5,766 |
| Loan loss allowance to noncurrent loans | 75.5788% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 4,419 |
| Noncurrent loans to loans | 1.4000% | 4,215 |
| Net loans and leases to total assets | 79.8979% | 1,407 |
| Net loans and leases to deposits | 102.5437% | 1,127 |
| Net loans and leases to core deposits | 115.8581% | 2,816 |
| Total domestic deposits to total assets | 77.9160% | 6,047 |
| Equity capital to assets | 8.2860% | 6,414 |
| Core capital (leverage) ratio | 8.6191% | 5,304 |
| Tier 1 risk-based capital ratio | 9.9768% | 6,954 |
| Total risk-based capital ratio | 11.0114% | 7,094 |
| Memoranda: | ||
| Average total assets | $156,047,000 | 3,899 |
| Average earning assets | $140,255,000 | 3,950 |
| Average equity | $13,175,500 | 4,543 |
| Average total loans | $125,753,000 | 3,450 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5117% | 405 |
| Cost of funding earning assets | 2.6786% | 3,267 |
| Net interest margin | 4.8332% | 730 |
| Noninterest income to average assets | 1.3543% | 788 |
| Noninterest expense to average assets | 4.2915% | 1,057 |
| Loan and lease loss provision to assets | 0.2837% | 4,114 |
| Net operating income to assets | 0.9692% | 2,696 |
| Return on assets (ROA) | 0.9692% | 2,576 |
| Pretax return on assets | 1.0850% | 3,072 |
| Return on Equity (ROE) | 10.5432% | 2,073 |
| Retained earnings to average equity (ytd only) | 10.5432% | 386 |
| Net charge-offs to loans | 0.1318% | 4,903 |
| Credit loss provision to net charge-offs | 275.7353% | 1,661 |
| Earnings coverage of net charge-offs (x) | 13.3015% | 2,144 |
| Efficiency ratio | 75.8187% | 3,264 |
| Assets per employee ($millions) | 2.4070% | 7,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 5,942 |
| Loan loss allowance to noncurrent loans | 117.0152% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 5,139 |
| Noncurrent loans to loans | 0.8627% | 4,899 |
| Net loans and leases to total assets | 79.5995% | 1,750 |
| Net loans and leases to deposits | 105.1098% | 1,214 |
| Net loans and leases to core deposits | 115.4384% | 3,188 |
| Total domestic deposits to total assets | 75.7298% | 6,299 |
| Equity capital to assets | 8.6097% | 5,923 |
| Core capital (leverage) ratio | 9.0295% | 4,699 |
| Tier 1 risk-based capital ratio | 10.1500% | 6,575 |
| Total risk-based capital ratio | 11.1142% | 6,770 |
| Memoranda: | ||
| Average total assets | $132,169,000 | 4,229 |
| Average earning assets | $117,749,000 | 4,316 |
| Average equity | $12,150,000 | 4,795 |
| Average total loans | $103,190,400 | 3,871 |