Home > United International Bank > Performance and Condition Ratios
United International Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,376 |
| Cost of funding earning assets | 0.5979% | 1,421 |
| Net interest margin | 3.3935% | 3,989 |
| Noninterest income to average assets | 0.2865% | 4,901 |
| Noninterest expense to average assets | 3.2157% | 1,929 |
| Loan and lease loss provision to assets | -0.0975% | 5,995 |
| Net operating income to assets | 0.2045% | 5,674 |
| Return on assets (ROA) | 0.2045% | 5,732 |
| Pretax return on assets | 0.4371% | 5,381 |
| Return on Equity (ROE) | 1.8149% | 5,706 |
| Retained earnings to average equity (ytd only) | 1.8149% | 4,969 |
| Net charge-offs to loans | -0.2369% | 6,034 |
| Credit loss provision to net charge-offs | 51.9685% | 3,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4465% | 669 |
| Assets per employee ($millions) | 4.7999% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 2,435 |
| Loan loss allowance to noncurrent loans | 87.0157% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 1,760 |
| Noncurrent loans to loans | 1.6479% | 1,496 |
| Net loans and leases to total assets | 79.5551% | 877 |
| Net loans and leases to deposits | 93.7099% | 1,235 |
| Net loans and leases to core deposits | 97.5975% | 1,735 |
| Total domestic deposits to total assets | 84.8951% | 3,058 |
| Equity capital to assets | 11.2611% | 2,741 |
| Core capital (leverage) ratio | 10.5897% | 2,938 |
| Tier 1 risk-based capital ratio | 14.5520% | 3,533 |
| Total risk-based capital ratio | 15.8086% | 3,449 |
| Memoranda: | ||
| Average total assets | $180,567,000 | 3,184 |
| Average earning assets | $173,936,750 | 3,089 |
| Average equity | $20,349,250 | 3,170 |
| Average total loans | $142,945,250 | 2,713 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 3,482 |
| Cost of funding earning assets | 0.5753% | 1,606 |
| Net interest margin | 3.3757% | 3,982 |
| Noninterest income to average assets | 0.1856% | 5,580 |
| Noninterest expense to average assets | 3.2808% | 1,758 |
| Loan and lease loss provision to assets | -0.1467% | 6,127 |
| Net operating income to assets | 0.1234% | 5,845 |
| Return on assets (ROA) | 0.1234% | 5,892 |
| Pretax return on assets | 0.2990% | 5,661 |
| Return on Equity (ROE) | 1.0944% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.0944% | 5,133 |
| Net charge-offs to loans | -0.3590% | 6,154 |
| Credit loss provision to net charge-offs | 51.9685% | 2,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5649% | 452 |
| Assets per employee ($millions) | 4.7205% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,617 |
| Loan loss allowance to noncurrent loans | 86.9798% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 1,904 |
| Noncurrent loans to loans | 1.6437% | 1,591 |
| Net loans and leases to total assets | 79.0586% | 930 |
| Net loans and leases to deposits | 92.8968% | 1,265 |
| Net loans and leases to core deposits | 95.9914% | 1,802 |
| Total domestic deposits to total assets | 85.1037% | 3,082 |
| Equity capital to assets | 11.0718% | 2,817 |
| Core capital (leverage) ratio | 11.0729% | 2,355 |
| Tier 1 risk-based capital ratio | 14.1814% | 3,824 |
| Total risk-based capital ratio | 15.4390% | 3,747 |
| Memoranda: | ||
| Average total assets | $179,956,670 | 3,215 |
| Average earning assets | $173,120,330 | 3,120 |
| Average equity | $20,285,670 | 3,186 |
| Average total loans | $141,521,000 | 2,733 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 3,457 |
| Cost of funding earning assets | 0.5702% | 1,660 |
| Net interest margin | 3.3699% | 3,950 |
| Noninterest income to average assets | 0.1214% | 5,996 |
| Noninterest expense to average assets | 3.3662% | 1,562 |
| Loan and lease loss provision to assets | 0.1507% | 1,356 |
| Net operating income to assets | -0.0989% | 6,103 |
| Return on assets (ROA) | -0.0989% | 6,128 |
| Pretax return on assets | -0.1529% | 6,139 |
| Return on Equity (ROE) | -0.8697% | 6,116 |
| Retained earnings to average equity (ytd only) | -0.8697% | 5,528 |
| Net charge-offs to loans | 0.2860% | 836 |
| Credit loss provision to net charge-offs | 67.6768% | 1,936 |
| Earnings coverage of net charge-offs (x) | -0.0101% | 3,112 |
| Efficiency ratio | 100.0668% | 363 |
| Assets per employee ($millions) | 4.5835% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,926 |
| Loan loss allowance to noncurrent loans | 76.0591% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.4394% | 1,837 |
| Noncurrent loans to loans | 1.8389% | 1,463 |
| Net loans and leases to total assets | 77.1781% | 1,033 |
| Net loans and leases to deposits | 91.1296% | 1,279 |
| Net loans and leases to core deposits | 93.4139% | 1,820 |
| Total domestic deposits to total assets | 84.6905% | 3,544 |
| Equity capital to assets | 11.3159% | 2,629 |
| Core capital (leverage) ratio | 10.9484% | 2,463 |
| Tier 1 risk-based capital ratio | 14.4439% | 3,751 |
| Total risk-based capital ratio | 15.6957% | 3,676 |
| Memoranda: | ||
| Average total assets | $177,885,500 | 3,266 |
| Average earning assets | $171,162,000 | 3,164 |
| Average equity | $20,237,000 | 3,212 |
| Average total loans | $138,453,000 | 2,772 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,679 |
| Cost of funding earning assets | 0.5571% | 2,156 |
| Net interest margin | 3.4566% | 3,954 |
| Noninterest income to average assets | 0.2112% | 5,593 |
| Noninterest expense to average assets | 3.3545% | 1,791 |
| Loan and lease loss provision to assets | 0.1183% | 2,202 |
| Net operating income to assets | 0.0106% | 6,079 |
| Return on assets (ROA) | 0.0106% | 6,100 |
| Pretax return on assets | 0.0424% | 6,052 |
| Return on Equity (ROE) | 0.0895% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.0895% | 5,728 |
| Net charge-offs to loans | 0.6937% | 538 |
| Credit loss provision to net charge-offs | 22.7119% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.3085% | 4,666 |
| Efficiency ratio | 95.4302% | 527 |
| Assets per employee ($millions) | 4.5388% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 2,682 |
| Loan loss allowance to noncurrent loans | 74.4760% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 1,802 |
| Noncurrent loans to loans | 1.9506% | 1,439 |
| Net loans and leases to total assets | 76.2639% | 1,225 |
| Net loans and leases to deposits | 90.2103% | 1,498 |
| Net loans and leases to core deposits | 91.6495% | 2,131 |
| Total domestic deposits to total assets | 84.5401% | 3,491 |
| Equity capital to assets | 11.4376% | 2,485 |
| Core capital (leverage) ratio | 11.0438% | 2,363 |
| Tier 1 risk-based capital ratio | 15.1672% | 3,402 |
| Total risk-based capital ratio | 16.4212% | 3,347 |
| Memoranda: | ||
| Average total assets | $169,950,200 | 3,344 |
| Average earning assets | $162,444,400 | 3,247 |
| Average equity | $20,113,800 | 3,146 |
| Average total loans | $127,580,200 | 2,907 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 3,657 |
| Cost of funding earning assets | 0.5562% | 2,229 |
| Net interest margin | 3.4699% | 3,943 |
| Noninterest income to average assets | 0.2275% | 5,570 |
| Noninterest expense to average assets | 3.4025% | 1,654 |
| Loan and lease loss provision to assets | 0.1593% | 1,563 |
| Net operating income to assets | 0.0373% | 6,108 |
| Return on assets (ROA) | 0.0373% | 6,129 |
| Pretax return on assets | -0.0254% | 6,159 |
| Return on Equity (ROE) | 0.3121% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.3121% | 5,712 |
| Net charge-offs to loans | 0.9423% | 338 |
| Credit loss provision to net charge-offs | 22.7119% | 3,555 |
| Earnings coverage of net charge-offs (x) | 0.1910% | 4,425 |
| Efficiency ratio | 96.2116% | 498 |
| Assets per employee ($millions) | 4.5308% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 2,658 |
| Loan loss allowance to noncurrent loans | 53.0808% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 2.2363% | 1,228 |
| Noncurrent loans to loans | 2.8446% | 963 |
| Net loans and leases to total assets | 77.4286% | 1,035 |
| Net loans and leases to deposits | 92.5300% | 1,180 |
| Net loans and leases to core deposits | 94.3123% | 1,828 |
| Total domestic deposits to total assets | 83.6794% | 3,887 |
| Equity capital to assets | 12.0883% | 1,982 |
| Core capital (leverage) ratio | 11.7737% | 1,851 |
| Tier 1 risk-based capital ratio | 15.2459% | 3,448 |
| Total risk-based capital ratio | 16.5000% | 3,391 |
| Memoranda: | ||
| Average total assets | $168,184,500 | 3,390 |
| Average earning assets | $160,382,500 | 3,301 |
| Average equity | $20,080,750 | 3,164 |
| Average total loans | $125,228,500 | 2,972 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 3,967 |
| Cost of funding earning assets | 0.5569% | 2,293 |
| Net interest margin | 3.3851% | 4,238 |
| Noninterest income to average assets | 0.2245% | 5,597 |
| Noninterest expense to average assets | 3.5162% | 1,447 |
| Loan and lease loss provision to assets | 0.2388% | 945 |
| Net operating income to assets | -0.2067% | 6,323 |
| Return on assets (ROA) | -0.2067% | 6,334 |
| Pretax return on assets | -0.3029% | 6,365 |
| Return on Equity (ROE) | -1.7383% | 6,313 |
| Retained earnings to average equity (ytd only) | -1.7383% | 5,956 |
| Net charge-offs to loans | 1.4385% | 198 |
| Credit loss provision to net charge-offs | 22.7119% | 3,159 |
| Earnings coverage of net charge-offs (x) | -0.0610% | 4,133 |
| Efficiency ratio | 101.8582% | 357 |
| Assets per employee ($millions) | 4.4331% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 2,580 |
| Loan loss allowance to noncurrent loans | 53.0525% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 2.2869% | 1,313 |
| Noncurrent loans to loans | 2.9594% | 995 |
| Net loans and leases to total assets | 76.0608% | 1,151 |
| Net loans and leases to deposits | 91.2067% | 1,248 |
| Net loans and leases to core deposits | 93.1843% | 1,845 |
| Total domestic deposits to total assets | 83.3939% | 4,156 |
| Equity capital to assets | 12.2354% | 1,830 |
| Core capital (leverage) ratio | 12.0353% | 1,631 |
| Tier 1 risk-based capital ratio | 15.1554% | 3,551 |
| Total risk-based capital ratio | 16.4101% | 3,495 |
| Memoranda: | ||
| Average total assets | $168,365,670 | 3,401 |
| Average earning assets | $160,525,670 | 3,317 |
| Average equity | $20,019,330 | 3,166 |
| Average total loans | $123,040,670 | 3,010 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 4,414 |
| Cost of funding earning assets | 0.5675% | 2,263 |
| Net interest margin | 3.2502% | 4,744 |
| Noninterest income to average assets | 0.1618% | 6,004 |
| Noninterest expense to average assets | 3.8138% | 959 |
| Loan and lease loss provision to assets | 0.4715% | 330 |
| Net operating income to assets | -1.0813% | 6,584 |
| Return on assets (ROA) | -1.0813% | 6,580 |
| Pretax return on assets | -1.0203% | 6,563 |
| Return on Equity (ROE) | -9.2225% | 6,554 |
| Retained earnings to average equity (ytd only) | -9.2225% | 6,332 |
| Net charge-offs to loans | 1.5249% | 210 |
| Credit loss provision to net charge-offs | 43.5065% | 2,271 |
| Earnings coverage of net charge-offs (x) | -0.5065% | 3,482 |
| Efficiency ratio | 116.8103% | 203 |
| Assets per employee ($millions) | 4.4434% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 1,561 |
| Loan loss allowance to noncurrent loans | 64.4154% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 1,441 |
| Noncurrent loans to loans | 3.0675% | 1,028 |
| Net loans and leases to total assets | 72.8102% | 1,449 |
| Net loans and leases to deposits | 87.0816% | 1,458 |
| Net loans and leases to core deposits | 89.0093% | 1,998 |
| Total domestic deposits to total assets | 83.6114% | 4,415 |
| Equity capital to assets | 12.0232% | 1,855 |
| Core capital (leverage) ratio | 11.5881% | 1,906 |
| Tier 1 risk-based capital ratio | 16.2335% | 3,039 |
| Total risk-based capital ratio | 17.4936% | 2,995 |
| Memoranda: | ||
| Average total assets | $170,536,500 | 3,397 |
| Average earning assets | $162,823,000 | 3,309 |
| Average equity | $19,994,500 | 3,176 |
| Average total loans | $121,187,000 | 3,048 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 2,760 |
| Cost of funding earning assets | 0.6532% | 2,180 |
| Net interest margin | 3.7010% | 3,050 |
| Noninterest income to average assets | 0.2317% | 5,687 |
| Noninterest expense to average assets | 3.5000% | 1,647 |
| Loan and lease loss provision to assets | 0.1612% | 2,265 |
| Net operating income to assets | -0.0282% | 6,243 |
| Return on assets (ROA) | -0.0282% | 6,278 |
| Pretax return on assets | 0.0456% | 6,164 |
| Return on Equity (ROE) | -0.2559% | 6,280 |
| Retained earnings to average equity (ytd only) | -0.2559% | 5,930 |
| Net charge-offs to loans | -0.0554% | 6,354 |
| Credit loss provision to net charge-offs | -418.3099% | 6,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4217% | 722 |
| Assets per employee ($millions) | 4.5299% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2236% | 1,145 |
| Loan loss allowance to noncurrent loans | 39.0023% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 3.8808% | 695 |
| Noncurrent loans to loans | 5.7012% | 382 |
| Net loans and leases to total assets | 66.5561% | 2,602 |
| Net loans and leases to deposits | 83.2704% | 2,026 |
| Net loans and leases to core deposits | 85.9097% | 2,457 |
| Total domestic deposits to total assets | 79.9277% | 5,457 |
| Equity capital to assets | 11.4465% | 2,209 |
| Core capital (leverage) ratio | 10.2621% | 3,202 |
| Tier 1 risk-based capital ratio | 15.9447% | 3,120 |
| Total risk-based capital ratio | 17.2079% | 3,072 |
| Memoranda: | ||
| Average total assets | $184,256,800 | 3,230 |
| Average earning assets | $173,006,800 | 3,174 |
| Average equity | $20,318,800 | 3,121 |
| Average total loans | $128,107,600 | 2,890 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 2,299 |
| Cost of funding earning assets | 0.6480% | 2,377 |
| Net interest margin | 3.8345% | 2,522 |
| Noninterest income to average assets | 0.2407% | 5,712 |
| Noninterest expense to average assets | 3.4437% | 1,728 |
| Loan and lease loss provision to assets | 0.2127% | 1,710 |
| Net operating income to assets | 0.0093% | 6,285 |
| Return on assets (ROA) | 0.0093% | 6,334 |
| Pretax return on assets | 0.1697% | 6,093 |
| Return on Equity (ROE) | 0.0852% | 6,335 |
| Retained earnings to average equity (ytd only) | 0.0852% | 5,909 |
| Net charge-offs to loans | 0.2429% | 2,355 |
| Credit loss provision to net charge-offs | 125.3165% | 1,875 |
| Earnings coverage of net charge-offs (x) | 2.2532% | 4,092 |
| Efficiency ratio | 90.0037% | 991 |
| Assets per employee ($millions) | 4.7793% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 1,917 |
| Loan loss allowance to noncurrent loans | 41.2626% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 3.0763% | 1,199 |
| Noncurrent loans to loans | 4.6680% | 676 |
| Net loans and leases to total assets | 64.6326% | 2,897 |
| Net loans and leases to deposits | 79.9594% | 2,413 |
| Net loans and leases to core deposits | 82.4759% | 2,828 |
| Total domestic deposits to total assets | 80.8318% | 5,258 |
| Equity capital to assets | 10.8985% | 2,863 |
| Core capital (leverage) ratio | 10.4381% | 3,077 |
| Tier 1 risk-based capital ratio | 15.4891% | 3,477 |
| Total risk-based capital ratio | 16.7476% | 3,429 |
| Memoranda: | ||
| Average total assets | $186,154,500 | 3,238 |
| Average earning assets | $174,064,750 | 3,191 |
| Average equity | $20,343,000 | 3,150 |
| Average total loans | $130,070,500 | 2,879 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,940 |
| Cost of funding earning assets | 0.6441% | 2,554 |
| Net interest margin | 3.6591% | 3,138 |
| Noninterest income to average assets | 0.0688% | 6,614 |
| Noninterest expense to average assets | 3.3535% | 1,924 |
| Loan and lease loss provision to assets | 0.2042% | 1,860 |
| Net operating income to assets | -0.1763% | 6,474 |
| Return on assets (ROA) | -0.1763% | 6,509 |
| Pretax return on assets | -0.0451% | 6,389 |
| Return on Equity (ROE) | -1.6116% | 6,504 |
| Retained earnings to average equity (ytd only) | -1.6116% | 6,144 |
| Net charge-offs to loans | 0.3578% | 1,769 |
| Credit loss provision to net charge-offs | 80.1688% | 2,620 |
| Earnings coverage of net charge-offs (x) | 0.6245% | 4,315 |
| Efficiency ratio | 95.4712% | 685 |
| Assets per employee ($millions) | 4.4149% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 2,264 |
| Loan loss allowance to noncurrent loans | 28.1410% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 4.5476% | 722 |
| Noncurrent loans to loans | 6.5709% | 395 |
| Net loans and leases to total assets | 67.9292% | 2,249 |
| Net loans and leases to deposits | 82.2766% | 2,026 |
| Net loans and leases to core deposits | 85.7728% | 2,356 |
| Total domestic deposits to total assets | 82.5620% | 4,865 |
| Equity capital to assets | 11.4436% | 2,342 |
| Core capital (leverage) ratio | 10.8693% | 2,484 |
| Tier 1 risk-based capital ratio | 16.3997% | 2,981 |
| Total risk-based capital ratio | 17.6568% | 2,939 |
| Memoranda: | ||
| Average total assets | $186,075,330 | 3,255 |
| Average earning assets | $175,127,000 | 3,187 |
| Average equity | $20,352,670 | 3,171 |
| Average total loans | $132,482,000 | 2,831 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 2,727 |
| Cost of funding earning assets | 0.6604% | 2,562 |
| Net interest margin | 3.6789% | 2,957 |
| Noninterest income to average assets | 0.3165% | 5,162 |
| Noninterest expense to average assets | 3.4798% | 1,659 |
| Loan and lease loss provision to assets | 0.1950% | 1,899 |
| Net operating income to assets | 0.0734% | 6,200 |
| Return on assets (ROA) | 0.0734% | 6,288 |
| Pretax return on assets | 0.0985% | 6,261 |
| Return on Equity (ROE) | 0.6855% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.6855% | 5,549 |
| Net charge-offs to loans | 0.7005% | 875 |
| Credit loss provision to net charge-offs | 38.5892% | 2,766 |
| Earnings coverage of net charge-offs (x) | 0.5809% | 3,626 |
| Efficiency ratio | 92.2222% | 960 |
| Assets per employee ($millions) | 4.8982% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,511 |
| Loan loss allowance to noncurrent loans | 23.9357% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 5.5149% | 627 |
| Noncurrent loans to loans | 6.5735% | 484 |
| Net loans and leases to total assets | 70.7006% | 1,552 |
| Net loans and leases to deposits | 84.5164% | 1,530 |
| Net loans and leases to core deposits | 88.6801% | 1,838 |
| Total domestic deposits to total assets | 83.6532% | 4,611 |
| Equity capital to assets | 10.6953% | 3,327 |
| Core capital (leverage) ratio | 10.4715% | 2,818 |
| Tier 1 risk-based capital ratio | 14.2321% | 4,336 |
| Total risk-based capital ratio | 15.4863% | 4,304 |
| Memoranda: | ||
| Average total assets | $190,814,500 | 3,212 |
| Average earning assets | $179,293,500 | 3,156 |
| Average equity | $20,424,500 | 3,206 |
| Average total loans | $137,612,500 | 2,768 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 2,847 |
| Cost of funding earning assets | 0.7485% | 3,097 |
| Net interest margin | 3.8914% | 2,868 |
| Noninterest income to average assets | 0.3799% | 4,751 |
| Noninterest expense to average assets | 3.4300% | 1,986 |
| Loan and lease loss provision to assets | 0.0916% | 4,531 |
| Net operating income to assets | 0.3111% | 5,425 |
| Return on assets (ROA) | 0.3111% | 5,634 |
| Pretax return on assets | 0.5150% | 5,231 |
| Return on Equity (ROE) | 2.9930% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.9930% | 4,122 |
| Net charge-offs to loans | 0.9926% | 1,100 |
| Credit loss provision to net charge-offs | 12.6791% | 5,370 |
| Earnings coverage of net charge-offs (x) | 0.8395% | 5,059 |
| Efficiency ratio | 84.9724% | 1,516 |
| Assets per employee ($millions) | 4.7650% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 3,033 |
| Loan loss allowance to noncurrent loans | 24.0012% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 5.8378% | 602 |
| Noncurrent loans to loans | 6.9648% | 461 |
| Net loans and leases to total assets | 71.1964% | 1,618 |
| Net loans and leases to deposits | 85.1682% | 1,619 |
| Net loans and leases to core deposits | 91.2049% | 1,707 |
| Total domestic deposits to total assets | 83.5950% | 4,500 |
| Equity capital to assets | 10.7124% | 3,267 |
| Core capital (leverage) ratio | 10.4660% | 2,809 |
| Tier 1 risk-based capital ratio | 14.7030% | 3,892 |
| Total risk-based capital ratio | 15.9586% | 3,845 |
| Memoranda: | ||
| Average total assets | $193,208,400 | 3,135 |
| Average earning assets | $181,556,200 | 3,063 |
| Average equity | $20,080,000 | 3,197 |
| Average total loans | $140,647,000 | 2,706 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 2,993 |
| Cost of funding earning assets | 0.7667% | 3,223 |
| Net interest margin | 3.8878% | 2,957 |
| Noninterest income to average assets | 0.5083% | 3,865 |
| Noninterest expense to average assets | 3.2442% | 2,439 |
| Loan and lease loss provision to assets | 0.4175% | 1,535 |
| Net operating income to assets | 0.2531% | 5,775 |
| Return on assets (ROA) | 0.2531% | 5,966 |
| Pretax return on assets | 0.5014% | 5,464 |
| Return on Equity (ROE) | 2.4538% | 5,897 |
| Retained earnings to average equity (ytd only) | 2.4538% | 5,103 |
| Net charge-offs to loans | 0.1981% | 3,541 |
| Credit loss provision to net charge-offs | 289.0476% | 936 |
| Earnings coverage of net charge-offs (x) | 6.3620% | 2,809 |
| Efficiency ratio | 77.9283% | 2,410 |
| Assets per employee ($millions) | 4.6361% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8683% | 828 |
| Loan loss allowance to noncurrent loans | 36.3813% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 6.5977% | 561 |
| Noncurrent loans to loans | 7.8840% | 409 |
| Net loans and leases to total assets | 69.8897% | 1,925 |
| Net loans and leases to deposits | 83.5432% | 1,923 |
| Net loans and leases to core deposits | 89.5352% | 2,047 |
| Total domestic deposits to total assets | 83.6570% | 4,370 |
| Equity capital to assets | 10.6444% | 3,679 |
| Core capital (leverage) ratio | 10.5797% | 2,819 |
| Tier 1 risk-based capital ratio | 14.5243% | 4,172 |
| Total risk-based capital ratio | 15.7941% | 4,124 |
| Memoranda: | ||
| Average total assets | $193,860,250 | 3,163 |
| Average earning assets | $182,238,750 | 3,088 |
| Average equity | $19,995,500 | 3,236 |
| Average total loans | $141,306,750 | 2,741 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 3,159 |
| Cost of funding earning assets | 0.7739% | 3,413 |
| Net interest margin | 3.8705% | 3,041 |
| Noninterest income to average assets | 0.5422% | 3,641 |
| Noninterest expense to average assets | 3.1980% | 2,598 |
| Loan and lease loss provision to assets | 0.5709% | 1,064 |
| Net operating income to assets | 0.1948% | 5,932 |
| Return on assets (ROA) | 0.1948% | 6,116 |
| Pretax return on assets | 0.4131% | 5,678 |
| Return on Equity (ROE) | 1.9080% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.9080% | 5,246 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 2,673 |
| Assets per employee ($millions) | 4.8446% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8237% | 923 |
| Loan loss allowance to noncurrent loans | 29.8421% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 7.9676% | 432 |
| Noncurrent loans to loans | 9.4620% | 300 |
| Net loans and leases to total assets | 72.5122% | 1,469 |
| Net loans and leases to deposits | 86.5258% | 1,529 |
| Net loans and leases to core deposits | 93.7849% | 1,626 |
| Total domestic deposits to total assets | 83.8041% | 4,400 |
| Equity capital to assets | 10.3399% | 3,897 |
| Core capital (leverage) ratio | 10.2110% | 3,127 |
| Tier 1 risk-based capital ratio | 13.4771% | 4,846 |
| Total risk-based capital ratio | 14.7461% | 4,782 |
| Memoranda: | ||
| Average total assets | $195,120,000 | 3,153 |
| Average earning assets | $183,492,000 | 3,080 |
| Average equity | $19,916,330 | 3,231 |
| Average total loans | $142,819,000 | 2,724 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 3,590 |
| Cost of funding earning assets | 0.7657% | 3,740 |
| Net interest margin | 3.8156% | 3,315 |
| Noninterest income to average assets | 0.5434% | 3,609 |
| Noninterest expense to average assets | 3.4180% | 1,957 |
| Loan and lease loss provision to assets | 0.5496% | 1,072 |
| Net operating income to assets | 0.0899% | 6,255 |
| Return on assets (ROA) | 0.0899% | 6,380 |
| Pretax return on assets | 0.1696% | 6,254 |
| Return on Equity (ROE) | 0.8864% | 6,372 |
| Retained earnings to average equity (ytd only) | 0.8864% | 5,709 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6173% | 1,861 |
| Assets per employee ($millions) | 4.9927% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5932% | 1,235 |
| Loan loss allowance to noncurrent loans | 29.8326% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 7.2502% | 571 |
| Noncurrent loans to loans | 8.6926% | 409 |
| Net loans and leases to total assets | 71.3789% | 1,505 |
| Net loans and leases to deposits | 85.5214% | 1,475 |
| Net loans and leases to core deposits | 92.1299% | 1,638 |
| Total domestic deposits to total assets | 83.4632% | 4,725 |
| Equity capital to assets | 9.9581% | 4,176 |
| Core capital (leverage) ratio | 10.2211% | 3,081 |
| Tier 1 risk-based capital ratio | 13.0629% | 5,162 |
| Total risk-based capital ratio | 14.3295% | 5,113 |
| Memoranda: | ||
| Average total assets | $195,788,000 | 3,158 |
| Average earning assets | $184,402,000 | 3,090 |
| Average equity | $19,856,000 | 3,242 |
| Average total loans | $141,928,500 | 2,755 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 4,009 |
| Cost of funding earning assets | 0.8136% | 4,760 |
| Net interest margin | 3.9408% | 3,153 |
| Noninterest income to average assets | 0.4964% | 3,871 |
| Noninterest expense to average assets | 3.4000% | 2,245 |
| Loan and lease loss provision to assets | 0.6779% | 1,512 |
| Net operating income to assets | 0.1014% | 5,862 |
| Return on assets (ROA) | 0.1014% | 5,978 |
| Pretax return on assets | 0.1260% | 5,929 |
| Return on Equity (ROE) | 0.9564% | 5,974 |
| Retained earnings to average equity (ytd only) | 0.9564% | 5,413 |
| Net charge-offs to loans | 0.3974% | 3,426 |
| Credit loss provision to net charge-offs | 236.4991% | 1,030 |
| Earnings coverage of net charge-offs (x) | 2.8045% | 3,814 |
| Efficiency ratio | 80.8786% | 2,177 |
| Assets per employee ($millions) | 4.7968% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5641% | 1,232 |
| Loan loss allowance to noncurrent loans | 27.7114% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 7.5478% | 575 |
| Noncurrent loans to loans | 9.2529% | 373 |
| Net loans and leases to total assets | 69.8327% | 2,064 |
| Net loans and leases to deposits | 83.7111% | 1,960 |
| Net loans and leases to core deposits | 90.6218% | 2,032 |
| Total domestic deposits to total assets | 83.4211% | 4,583 |
| Equity capital to assets | 10.3325% | 3,740 |
| Core capital (leverage) ratio | 10.1347% | 3,188 |
| Tier 1 risk-based capital ratio | 13.9436% | 4,365 |
| Total risk-based capital ratio | 15.2092% | 4,309 |
| Memoranda: | ||
| Average total assets | $187,354,000 | 3,228 |
| Average earning assets | $176,259,800 | 3,143 |
| Average equity | $19,867,200 | 3,176 |
| Average total loans | $135,118,000 | 2,897 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7845% | 4,094 |
| Cost of funding earning assets | 0.8096% | 5,087 |
| Net interest margin | 3.9749% | 3,029 |
| Noninterest income to average assets | 0.5184% | 3,739 |
| Noninterest expense to average assets | 3.3421% | 2,368 |
| Loan and lease loss provision to assets | 0.2477% | 3,529 |
| Net operating income to assets | 0.4117% | 4,946 |
| Return on assets (ROA) | 0.4117% | 5,136 |
| Pretax return on assets | 0.6651% | 4,594 |
| Return on Equity (ROE) | 3.8568% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.8568% | 3,981 |
| Net charge-offs to loans | -0.0169% | 6,872 |
| Credit loss provision to net charge-offs | -2,035.2941% | 6,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5462% | 2,470 |
| Assets per employee ($millions) | 4.8437% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2720% | 1,732 |
| Loan loss allowance to noncurrent loans | 27.6236% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 6.9802% | 708 |
| Noncurrent loans to loans | 8.2250% | 522 |
| Net loans and leases to total assets | 68.3566% | 2,412 |
| Net loans and leases to deposits | 81.6949% | 2,418 |
| Net loans and leases to core deposits | 88.6872% | 2,408 |
| Total domestic deposits to total assets | 83.6730% | 4,387 |
| Equity capital to assets | 10.1873% | 4,106 |
| Core capital (leverage) ratio | 10.4363% | 2,951 |
| Tier 1 risk-based capital ratio | 13.6647% | 4,604 |
| Total risk-based capital ratio | 14.9260% | 4,566 |
| Memoranda: | ||
| Average total assets | $186,225,000 | 3,259 |
| Average earning assets | $175,059,250 | 3,171 |
| Average equity | $19,877,750 | 3,167 |
| Average total loans | $134,519,000 | 2,931 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 3,950 |
| Cost of funding earning assets | 0.8113% | 5,295 |
| Net interest margin | 4.0191% | 2,751 |
| Noninterest income to average assets | 0.5382% | 3,572 |
| Noninterest expense to average assets | 3.4014% | 2,254 |
| Loan and lease loss provision to assets | 0.2877% | 3,086 |
| Net operating income to assets | 0.4349% | 4,793 |
| Return on assets (ROA) | 0.4349% | 4,934 |
| Pretax return on assets | 0.6304% | 4,647 |
| Return on Equity (ROE) | 4.0081% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.0081% | 3,648 |
| Net charge-offs to loans | -0.0195% | 6,816 |
| Credit loss provision to net charge-offs | -2,015.3846% | 6,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7440% | 2,597 |
| Assets per employee ($millions) | 4.5883% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3412% | 1,678 |
| Loan loss allowance to noncurrent loans | 28.3733% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 7.2468% | 685 |
| Noncurrent loans to loans | 8.2513% | 536 |
| Net loans and leases to total assets | 69.7314% | 2,277 |
| Net loans and leases to deposits | 84.4739% | 2,037 |
| Net loans and leases to core deposits | 91.0882% | 2,241 |
| Total domestic deposits to total assets | 82.5478% | 4,973 |
| Equity capital to assets | 10.9023% | 3,062 |
| Core capital (leverage) ratio | 11.0812% | 2,184 |
| Tier 1 risk-based capital ratio | 14.4080% | 3,860 |
| Total risk-based capital ratio | 15.6702% | 3,824 |
| Memoranda: | ||
| Average total assets | $182,103,000 | 3,339 |
| Average earning assets | $171,333,330 | 3,255 |
| Average equity | $19,760,000 | 3,160 |
| Average total loans | $133,056,670 | 2,983 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9737% | 3,229 |
| Cost of funding earning assets | 0.8367% | 5,352 |
| Net interest margin | 4.1370% | 2,129 |
| Noninterest income to average assets | 0.4543% | 4,241 |
| Noninterest expense to average assets | 3.3475% | 2,411 |
| Loan and lease loss provision to assets | 0.4675% | 1,882 |
| Net operating income to assets | 0.2249% | 5,703 |
| Return on assets (ROA) | 0.2249% | 5,767 |
| Pretax return on assets | 0.5425% | 4,890 |
| Return on Equity (ROE) | 2.0779% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.0779% | 4,897 |
| Net charge-offs to loans | -0.0209% | 6,582 |
| Credit loss provision to net charge-offs | -3,028.5714% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8219% | 3,011 |
| Assets per employee ($millions) | 4.3562% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2725% | 1,812 |
| Loan loss allowance to noncurrent loans | 35.2281% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 6.2075% | 914 |
| Noncurrent loans to loans | 6.4507% | 933 |
| Net loans and leases to total assets | 72.5239% | 1,608 |
| Net loans and leases to deposits | 88.0739% | 1,456 |
| Net loans and leases to core deposits | 95.6429% | 1,697 |
| Total domestic deposits to total assets | 82.3444% | 5,172 |
| Equity capital to assets | 11.0327% | 2,657 |
| Core capital (leverage) ratio | 10.6117% | 2,496 |
| Tier 1 risk-based capital ratio | 14.0381% | 4,048 |
| Total risk-based capital ratio | 15.3000% | 4,021 |
| Memoranda: | ||
| Average total assets | $181,389,500 | 3,372 |
| Average earning assets | $171,140,500 | 3,282 |
| Average equity | $19,635,500 | 3,166 |
| Average total loans | $134,062,000 | 3,007 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 4,568 |
| Cost of funding earning assets | 1.1907% | 4,619 |
| Net interest margin | 3.8072% | 3,910 |
| Noninterest income to average assets | 0.6083% | 3,417 |
| Noninterest expense to average assets | 3.1120% | 3,404 |
| Loan and lease loss provision to assets | 0.3803% | 3,835 |
| Net operating income to assets | 1.3126% | 1,138 |
| Return on assets (ROA) | 1.4152% | 987 |
| Pretax return on assets | 0.8559% | 3,455 |
| Return on Equity (ROE) | 14.5698% | 781 |
| Retained earnings to average equity (ytd only) | 14.5698% | 142 |
| Net charge-offs to loans | 0.4945% | 3,653 |
| Credit loss provision to net charge-offs | 103.8052% | 4,332 |
| Earnings coverage of net charge-offs (x) | 3.0944% | 3,526 |
| Efficiency ratio | 73.2992% | 3,531 |
| Assets per employee ($millions) | 4.6043% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0600% | 2,155 |
| Loan loss allowance to noncurrent loans | 22.9160% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 6.6177% | 855 |
| Noncurrent loans to loans | 8.9895% | 519 |
| Net loans and leases to total assets | 72.0991% | 2,084 |
| Net loans and leases to deposits | 86.8962% | 1,954 |
| Net loans and leases to core deposits | 93.9021% | 2,269 |
| Total domestic deposits to total assets | 82.9714% | 4,807 |
| Equity capital to assets | 10.6237% | 3,045 |
| Core capital (leverage) ratio | 10.8372% | 2,277 |
| Tier 1 risk-based capital ratio | 14.2664% | 3,701 |
| Total risk-based capital ratio | 15.5261% | 3,649 |
| Memoranda: | ||
| Average total assets | $179,339,600 | 3,390 |
| Average earning assets | $171,331,600 | 3,261 |
| Average equity | $17,419,600 | 3,516 |
| Average total loans | $132,870,200 | 3,070 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 4,560 |
| Cost of funding earning assets | 1.2828% | 4,346 |
| Net interest margin | 3.7739% | 4,080 |
| Noninterest income to average assets | 0.6302% | 3,254 |
| Noninterest expense to average assets | 2.9610% | 3,882 |
| Loan and lease loss provision to assets | 0.3451% | 3,851 |
| Net operating income to assets | 0.4568% | 4,508 |
| Return on assets (ROA) | 0.5449% | 4,279 |
| Pretax return on assets | 1.0711% | 2,924 |
| Return on Equity (ROE) | 5.7492% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.7492% | 2,511 |
| Net charge-offs to loans | 0.5325% | 3,172 |
| Credit loss provision to net charge-offs | 87.3106% | 4,880 |
| Earnings coverage of net charge-offs (x) | 3.2349% | 3,530 |
| Efficiency ratio | 69.8446% | 4,098 |
| Assets per employee ($millions) | 4.4064% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0546% | 2,090 |
| Loan loss allowance to noncurrent loans | 34.9012% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 4.3908% | 1,550 |
| Noncurrent loans to loans | 5.8869% | 1,086 |
| Net loans and leases to total assets | 73.0542% | 2,008 |
| Net loans and leases to deposits | 87.4195% | 2,097 |
| Net loans and leases to core deposits | 92.2496% | 2,763 |
| Total domestic deposits to total assets | 83.5675% | 4,340 |
| Equity capital to assets | 10.0690% | 4,067 |
| Core capital (leverage) ratio | 9.8862% | 3,373 |
| Tier 1 risk-based capital ratio | 13.4065% | 4,263 |
| Total risk-based capital ratio | 14.6667% | 4,220 |
| Memoranda: | ||
| Average total assets | $178,131,250 | 3,449 |
| Average earning assets | $170,358,500 | 3,321 |
| Average equity | $16,883,000 | 3,659 |
| Average total loans | $132,192,750 | 3,141 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 4,477 |
| Cost of funding earning assets | 1.3907% | 3,934 |
| Net interest margin | 3.7057% | 4,337 |
| Noninterest income to average assets | 0.6031% | 3,321 |
| Noninterest expense to average assets | 2.8821% | 4,139 |
| Loan and lease loss provision to assets | 0.4039% | 3,297 |
| Net operating income to assets | 0.5209% | 4,234 |
| Return on assets (ROA) | 0.6355% | 3,842 |
| Pretax return on assets | 1.0349% | 2,992 |
| Return on Equity (ROE) | 6.8454% | 3,374 |
| Retained earnings to average equity (ytd only) | 6.8454% | 1,907 |
| Net charge-offs to loans | 0.4953% | 3,053 |
| Credit loss provision to net charge-offs | 110.0610% | 3,697 |
| Earnings coverage of net charge-offs (x) | 3.4329% | 3,324 |
| Efficiency ratio | 69.5840% | 4,265 |
| Assets per employee ($millions) | 4.6054% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1512% | 1,863 |
| Loan loss allowance to noncurrent loans | 36.0257% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 4.3288% | 1,540 |
| Noncurrent loans to loans | 5.9714% | 1,072 |
| Net loans and leases to total assets | 70.9323% | 2,680 |
| Net loans and leases to deposits | 84.3405% | 2,812 |
| Net loans and leases to core deposits | 88.8780% | 3,430 |
| Total domestic deposits to total assets | 84.1024% | 4,068 |
| Equity capital to assets | 9.7510% | 4,337 |
| Core capital (leverage) ratio | 9.7020% | 3,535 |
| Tier 1 risk-based capital ratio | 13.4046% | 4,133 |
| Total risk-based capital ratio | 14.6662% | 4,091 |
| Memoranda: | ||
| Average total assets | $178,757,000 | 3,458 |
| Average earning assets | $170,711,000 | 3,330 |
| Average equity | $16,595,000 | 3,704 |
| Average total loans | $132,436,330 | 3,161 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 5,021 |
| Cost of funding earning assets | 1.4989% | 3,568 |
| Net interest margin | 3.4997% | 5,156 |
| Noninterest income to average assets | 0.4733% | 4,262 |
| Noninterest expense to average assets | 2.7971% | 4,492 |
| Loan and lease loss provision to assets | 0.3544% | 3,250 |
| Net operating income to assets | 0.3985% | 4,848 |
| Return on assets (ROA) | 0.4329% | 4,830 |
| Pretax return on assets | 0.7380% | 4,099 |
| Return on Equity (ROE) | 4.7845% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.7845% | 3,277 |
| Net charge-offs to loans | -0.0240% | 7,119 |
| Credit loss provision to net charge-offs | -1,975.0000% | 6,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9240% | 3,773 |
| Assets per employee ($millions) | 4.6538% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,732 |
| Loan loss allowance to noncurrent loans | 28.4827% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 5.6755% | 1,077 |
| Noncurrent loans to loans | 7.7570% | 718 |
| Net loans and leases to total assets | 71.5507% | 2,561 |
| Net loans and leases to deposits | 84.3792% | 2,873 |
| Net loans and leases to core deposits | 88.9619% | 3,502 |
| Total domestic deposits to total assets | 84.7965% | 3,762 |
| Equity capital to assets | 8.9395% | 5,370 |
| Core capital (leverage) ratio | 9.1076% | 4,361 |
| Tier 1 risk-based capital ratio | 12.1637% | 5,024 |
| Total risk-based capital ratio | 13.4259% | 4,985 |
| Memoranda: | ||
| Average total assets | $178,329,500 | 3,515 |
| Average earning assets | $171,327,000 | 3,383 |
| Average equity | $16,135,500 | 3,811 |
| Average total loans | $133,552,500 | 3,194 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4335% | 4,519 |
| Cost of funding earning assets | 2.1211% | 2,360 |
| Net interest margin | 3.3124% | 5,695 |
| Noninterest income to average assets | 0.5027% | 4,383 |
| Noninterest expense to average assets | 3.0765% | 3,847 |
| Loan and lease loss provision to assets | 0.7273% | 2,932 |
| Net operating income to assets | -0.1663% | 5,791 |
| Return on assets (ROA) | -0.1013% | 5,686 |
| Pretax return on assets | -0.0429% | 5,511 |
| Return on Equity (ROE) | -1.1565% | 5,714 |
| Retained earnings to average equity (ytd only) | -1.1565% | 5,301 |
| Net charge-offs to loans | 0.6923% | 3,112 |
| Credit loss provision to net charge-offs | 139.4931% | 3,508 |
| Earnings coverage of net charge-offs (x) | 1.1880% | 4,934 |
| Efficiency ratio | 83.2415% | 2,448 |
| Assets per employee ($millions) | 4.2722% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 1,886 |
| Loan loss allowance to noncurrent loans | 26.1379% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 6.0459% | 934 |
| Noncurrent loans to loans | 7.8849% | 648 |
| Net loans and leases to total assets | 75.0966% | 2,003 |
| Net loans and leases to deposits | 87.8180% | 2,589 |
| Net loans and leases to core deposits | 115.7301% | 2,350 |
| Total domestic deposits to total assets | 85.5139% | 3,283 |
| Equity capital to assets | 9.1607% | 4,898 |
| Core capital (leverage) ratio | 8.9792% | 4,460 |
| Tier 1 risk-based capital ratio | 11.6595% | 5,242 |
| Total risk-based capital ratio | 12.9203% | 5,183 |
| Memoranda: | ||
| Average total assets | $181,635,600 | 3,414 |
| Average earning assets | $175,100,400 | 3,278 |
| Average equity | $15,910,000 | 3,882 |
| Average total loans | $136,780,600 | 3,142 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3915% | 4,989 |
| Cost of funding earning assets | 2.2788% | 2,074 |
| Net interest margin | 3.1127% | 6,276 |
| Noninterest income to average assets | 0.4838% | 4,633 |
| Noninterest expense to average assets | 2.9678% | 4,172 |
| Loan and lease loss provision to assets | 0.9604% | 2,002 |
| Net operating income to assets | -0.4816% | 6,409 |
| Return on assets (ROA) | -0.4358% | 6,360 |
| Pretax return on assets | -0.3951% | 6,194 |
| Return on Equity (ROE) | -5.0305% | 6,457 |
| Retained earnings to average equity (ytd only) | -5.0305% | 6,262 |
| Net charge-offs to loans | 0.7918% | 2,385 |
| Credit loss provision to net charge-offs | 161.7647% | 2,919 |
| Earnings coverage of net charge-offs (x) | 0.8750% | 5,186 |
| Efficiency ratio | 85.1033% | 2,168 |
| Assets per employee ($millions) | 4.3778% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1470% | 1,506 |
| Loan loss allowance to noncurrent loans | 28.3784% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 5.6895% | 980 |
| Noncurrent loans to loans | 7.5657% | 676 |
| Net loans and leases to total assets | 73.5857% | 2,650 |
| Net loans and leases to deposits | 85.3593% | 3,439 |
| Net loans and leases to core deposits | 116.1001% | 2,610 |
| Total domestic deposits to total assets | 86.2070% | 2,583 |
| Equity capital to assets | 8.6969% | 5,956 |
| Core capital (leverage) ratio | 8.5497% | 5,403 |
| Tier 1 risk-based capital ratio | 11.4317% | 5,495 |
| Total risk-based capital ratio | 12.6931% | 5,433 |
| Memoranda: | ||
| Average total assets | $183,254,250 | 3,415 |
| Average earning assets | $176,817,250 | 3,276 |
| Average equity | $15,876,000 | 3,934 |
| Average total loans | $137,398,750 | 3,165 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4450% | 4,914 |
| Cost of funding earning assets | 2.4569% | 1,761 |
| Net interest margin | 2.9881% | 6,587 |
| Noninterest income to average assets | 0.4292% | 5,040 |
| Noninterest expense to average assets | 2.8606% | 4,681 |
| Loan and lease loss provision to assets | 1.2606% | 1,355 |
| Net operating income to assets | -0.8477% | 6,864 |
| Return on assets (ROA) | -0.7794% | 6,821 |
| Pretax return on assets | -0.7393% | 6,637 |
| Return on Equity (ROE) | -9.0074% | 6,966 |
| Retained earnings to average equity (ytd only) | -9.0074% | 6,771 |
| Net charge-offs to loans | 0.8987% | 1,902 |
| Credit loss provision to net charge-offs | 187.2786% | 2,451 |
| Earnings coverage of net charge-offs (x) | 0.6731% | 5,033 |
| Efficiency ratio | 86.3265% | 2,194 |
| Assets per employee ($millions) | 4.5890% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 1,388 |
| Loan loss allowance to noncurrent loans | 49.9660% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 3.1231% | 2,012 |
| Noncurrent loans to loans | 4.2079% | 1,571 |
| Net loans and leases to total assets | 72.6584% | 3,049 |
| Net loans and leases to deposits | 84.0017% | 3,875 |
| Net loans and leases to core deposits | 115.7858% | 2,727 |
| Total domestic deposits to total assets | 86.4963% | 2,510 |
| Equity capital to assets | 8.2174% | 6,465 |
| Core capital (leverage) ratio | 8.4519% | 5,520 |
| Tier 1 risk-based capital ratio | 11.0461% | 5,833 |
| Total risk-based capital ratio | 12.3070% | 5,740 |
| Memoranda: | ||
| Average total assets | $184,509,000 | 3,415 |
| Average earning assets | $178,109,330 | 3,283 |
| Average equity | $15,964,670 | 3,929 |
| Average total loans | $138,206,000 | 3,176 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 4,860 |
| Cost of funding earning assets | 2.6587% | 1,382 |
| Net interest margin | 2.8509% | 6,872 |
| Noninterest income to average assets | 0.3656% | 5,509 |
| Noninterest expense to average assets | 2.7259% | 4,898 |
| Loan and lease loss provision to assets | 0.1445% | 5,100 |
| Net operating income to assets | 0.2146% | 5,614 |
| Return on assets (ROA) | 0.2146% | 5,773 |
| Pretax return on assets | 0.2562% | 5,800 |
| Return on Equity (ROE) | 2.4173% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.4173% | 4,531 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1849% | 1,961 |
| Assets per employee ($millions) | 4.1245% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 1,781 |
| Loan loss allowance to noncurrent loans | 40.7825% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 3.5670% | 1,496 |
| Noncurrent loans to loans | 4.4874% | 1,280 |
| Net loans and leases to total assets | 78.0339% | 1,815 |
| Net loans and leases to deposits | 91.0993% | 2,756 |
| Net loans and leases to core deposits | 128.1339% | 1,777 |
| Total domestic deposits to total assets | 85.6581% | 2,896 |
| Equity capital to assets | 9.6235% | 4,492 |
| Core capital (leverage) ratio | 8.9648% | 4,767 |
| Tier 1 risk-based capital ratio | 11.4538% | 5,458 |
| Total risk-based capital ratio | 12.7103% | 5,349 |
| Memoranda: | ||
| Average total assets | $182,689,000 | 3,467 |
| Average earning assets | $176,928,500 | 3,321 |
| Average equity | $16,216,500 | 3,902 |
| Average total loans | $137,488,000 | 3,215 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0479% | 5,309 |
| Cost of funding earning assets | 3.1473% | 1,362 |
| Net interest margin | 2.9005% | 7,155 |
| Noninterest income to average assets | 0.4465% | 5,066 |
| Noninterest expense to average assets | 2.8684% | 4,543 |
| Loan and lease loss provision to assets | 0.8736% | 1,709 |
| Net operating income to assets | -0.5380% | 6,949 |
| Return on assets (ROA) | -0.5380% | 6,833 |
| Pretax return on assets | -0.5134% | 6,665 |
| Return on Equity (ROE) | -5.5969% | 6,922 |
| Retained earnings to average equity (ytd only) | -5.5969% | 6,604 |
| Net charge-offs to loans | 0.0823% | 5,591 |
| Credit loss provision to net charge-offs | 1,483.4951% | 304 |
| Earnings coverage of net charge-offs (x) | 6.1165% | 3,437 |
| Efficiency ratio | 88.8436% | 1,601 |
| Assets per employee ($millions) | 4.9068% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,899 |
| Loan loss allowance to noncurrent loans | 40.1476% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 3.0381% | 1,513 |
| Noncurrent loans to loans | 4.2424% | 1,147 |
| Net loans and leases to total assets | 70.3931% | 3,927 |
| Net loans and leases to deposits | 82.8007% | 4,603 |
| Net loans and leases to core deposits | 123.6415% | 2,346 |
| Total domestic deposits to total assets | 85.0152% | 2,834 |
| Equity capital to assets | 8.2330% | 6,504 |
| Core capital (leverage) ratio | 8.5296% | 5,519 |
| Tier 1 risk-based capital ratio | 10.8362% | 5,874 |
| Total risk-based capital ratio | 12.0909% | 5,778 |
| Memoranda: | ||
| Average total assets | $174,903,000 | 3,475 |
| Average earning assets | $167,761,800 | 3,364 |
| Average equity | $16,812,800 | 3,770 |
| Average total loans | $125,210,600 | 3,343 |