Home > VINTAGE BANK > Performance and Condition Ratios
VINTAGE BANK, Performance and Condition Ratios
| 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 | 4.5812% | 1,267 |
| Cost of funding earning assets | 0.3393% | 3,991 |
| Net interest margin | 4.2419% | 991 |
| Noninterest income to average assets | 0.9393% | 1,267 |
| Noninterest expense to average assets | 3.2132% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6021% | 705 |
| Return on assets (ROA) | 1.6021% | 740 |
| Pretax return on assets | 1.6021% | 1,266 |
| Return on Equity (ROE) | 15.6308% | 613 |
| Retained earnings to average equity (ytd only) | 10.3256% | 843 |
| Net charge-offs to loans | 0.0254% | 2,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 89.1250% | 534 |
| Efficiency ratio | 66.7289% | 4,024 |
| Assets per employee ($millions) | 4.7105% | 2,748 |
| Cash dividends to net income (ytd only)* | 33.9411% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 3,744 |
| Loan loss allowance to noncurrent loans | 107.4830% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 2,713 |
| Noncurrent loans to loans | 1.1532% | 2,461 |
| Net loans and leases to total assets | 72.2323% | 1,770 |
| Net loans and leases to deposits | 81.0529% | 2,443 |
| Net loans and leases to core deposits | 85.7284% | 2,582 |
| Total domestic deposits to total assets | 89.1175% | 1,188 |
| Equity capital to assets | 10.6123% | 3,408 |
| Core capital (leverage) ratio | 10.2086% | 3,330 |
| Tier 1 risk-based capital ratio | 15.0851% | 3,390 |
| Total risk-based capital ratio | 16.3355% | 3,304 |
| Memoranda: | ||
| Average total assets | $178,014,000 | 3,265 |
| Average earning assets | $162,664,500 | 3,287 |
| Average equity | $18,246,000 | 3,413 |
| Average total loans | $126,214,500 | 2,979 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 929 |
| Cost of funding earning assets | 0.3409% | 4,358 |
| Net interest margin | 4.5573% | 671 |
| Noninterest income to average assets | 0.9905% | 1,236 |
| Noninterest expense to average assets | 3.1770% | 2,271 |
| Loan and lease loss provision to assets | 0.0227% | 4,160 |
| Net operating income to assets | 1.9475% | 357 |
| Return on assets (ROA) | 1.9458% | 371 |
| Pretax return on assets | 1.9458% | 564 |
| Return on Equity (ROE) | 20.4536% | 226 |
| Retained earnings to average equity (ytd only) | 10.3280% | 469 |
| Net charge-offs to loans | 0.0951% | 3,143 |
| Credit loss provision to net charge-offs | 33.6134% | 3,783 |
| Earnings coverage of net charge-offs (x) | 29.2353% | 1,363 |
| Efficiency ratio | 61.7230% | 4,950 |
| Assets per employee ($millions) | 4.9119% | 2,433 |
| Cash dividends to net income (ytd only)* | 49.5052% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 3,588 |
| Loan loss allowance to noncurrent loans | 106.0788% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 2,789 |
| Noncurrent loans to loans | 1.1980% | 2,453 |
| Net loans and leases to total assets | 67.8820% | 2,574 |
| Net loans and leases to deposits | 75.4881% | 3,258 |
| Net loans and leases to core deposits | 84.3877% | 2,854 |
| Total domestic deposits to total assets | 89.9240% | 770 |
| Equity capital to assets | 9.9021% | 4,230 |
| Core capital (leverage) ratio | 9.6140% | 4,075 |
| Tier 1 risk-based capital ratio | 15.0219% | 3,473 |
| Total risk-based capital ratio | 16.2732% | 3,413 |
| Memoranda: | ||
| Average total assets | $176,582,800 | 3,247 |
| Average earning assets | $161,059,000 | 3,266 |
| Average equity | $16,799,000 | 3,558 |
| Average total loans | $125,103,200 | 2,955 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 790 |
| Cost of funding earning assets | 0.3378% | 4,494 |
| Net interest margin | 4.6481% | 564 |
| Noninterest income to average assets | 0.9234% | 1,441 |
| Noninterest expense to average assets | 3.1177% | 2,414 |
| Loan and lease loss provision to assets | 0.0304% | 3,800 |
| Net operating income to assets | 2.0133% | 337 |
| Return on assets (ROA) | 2.0111% | 351 |
| Pretax return on assets | 2.0111% | 551 |
| Return on Equity (ROE) | 21.3655% | 215 |
| Retained earnings to average equity (ytd only) | 7.9030% | 1,409 |
| Net charge-offs to loans | 0.0256% | 3,992 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 111.9556% | 534 |
| Efficiency ratio | 60.4038% | 5,127 |
| Assets per employee ($millions) | 5.3430% | 1,868 |
| Cash dividends to net income (ytd only)* | 63.0106% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 3,425 |
| Loan loss allowance to noncurrent loans | 109.0732% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 2,872 |
| Noncurrent loans to loans | 1.2321% | 2,579 |
| Net loans and leases to total assets | 66.0653% | 2,859 |
| Net loans and leases to deposits | 74.8442% | 3,323 |
| Net loans and leases to core deposits | 83.7231% | 2,916 |
| Total domestic deposits to total assets | 88.2704% | 1,621 |
| Equity capital to assets | 9.2029% | 5,145 |
| Core capital (leverage) ratio | 9.5633% | 4,289 |
| Tier 1 risk-based capital ratio | 14.3008% | 4,028 |
| Total risk-based capital ratio | 15.5522% | 3,944 |
| Memoranda: | ||
| Average total assets | $175,293,750 | 3,289 |
| Average earning assets | $159,833,500 | 3,306 |
| Average equity | $16,499,750 | 3,616 |
| Average total loans | $125,140,000 | 2,976 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 604 |
| Cost of funding earning assets | 0.3360% | 4,576 |
| Net interest margin | 4.7762% | 428 |
| Noninterest income to average assets | 0.9300% | 1,395 |
| Noninterest expense to average assets | 3.1857% | 2,236 |
| Loan and lease loss provision to assets | 0.0467% | 3,373 |
| Net operating income to assets | 2.0433% | 306 |
| Return on assets (ROA) | 2.0445% | 323 |
| Pretax return on assets | 2.0445% | 501 |
| Return on Equity (ROE) | 21.5458% | 219 |
| Retained earnings to average equity (ytd only) | 6.8130% | 1,861 |
| Net charge-offs to loans | 0.0448% | 3,340 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | 63.9643% | 773 |
| Efficiency ratio | 60.3849% | 5,235 |
| Assets per employee ($millions) | 5.2558% | 1,908 |
| Cash dividends to net income (ytd only)* | 68.3790% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 3,628 |
| Loan loss allowance to noncurrent loans | 416.6253% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 4,286 |
| Noncurrent loans to loans | 0.3221% | 5,042 |
| Net loans and leases to total assets | 69.0661% | 2,230 |
| Net loans and leases to deposits | 78.4444% | 2,740 |
| Net loans and leases to core deposits | 87.8978% | 2,323 |
| Total domestic deposits to total assets | 88.0446% | 1,875 |
| Equity capital to assets | 9.4103% | 4,832 |
| Core capital (leverage) ratio | 9.5511% | 4,250 |
| Tier 1 risk-based capital ratio | 13.8338% | 4,366 |
| Total risk-based capital ratio | 15.0854% | 4,316 |
| Memoranda: | ||
| Average total assets | $171,389,670 | 3,364 |
| Average earning assets | $155,938,670 | 3,376 |
| Average equity | $16,263,000 | 3,649 |
| Average total loans | $125,110,330 | 2,968 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 498 |
| Cost of funding earning assets | 0.3151% | 4,916 |
| Net interest margin | 4.8739% | 334 |
| Noninterest income to average assets | 0.8561% | 1,533 |
| Noninterest expense to average assets | 3.2074% | 2,211 |
| Loan and lease loss provision to assets | 0.0954% | 2,334 |
| Net operating income to assets | 1.9793% | 354 |
| Return on assets (ROA) | 1.9817% | 365 |
| Pretax return on assets | 1.9817% | 554 |
| Return on Equity (ROE) | 20.7925% | 252 |
| Retained earnings to average equity (ytd only) | 8.5572% | 1,399 |
| Net charge-offs to loans | 0.1790% | 1,645 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 15.5357% | 1,542 |
| Efficiency ratio | 60.7223% | 5,307 |
| Assets per employee ($millions) | 5.2815% | 1,928 |
| Cash dividends to net income (ytd only)* | 58.8448% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 4,115 |
| Loan loss allowance to noncurrent loans | 286.1352% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 4,065 |
| Noncurrent loans to loans | 0.4548% | 4,789 |
| Net loans and leases to total assets | 71.8441% | 1,600 |
| Net loans and leases to deposits | 83.7359% | 1,850 |
| Net loans and leases to core deposits | 91.2820% | 1,795 |
| Total domestic deposits to total assets | 85.7984% | 3,470 |
| Equity capital to assets | 9.3522% | 4,694 |
| Core capital (leverage) ratio | 10.0640% | 3,480 |
| Tier 1 risk-based capital ratio | 13.4869% | 4,688 |
| Total risk-based capital ratio | 14.7380% | 4,630 |
| Memoranda: | ||
| Average total assets | $167,736,000 | 3,438 |
| Average earning assets | $152,322,000 | 3,470 |
| Average equity | $15,986,500 | 3,700 |
| Average total loans | $125,116,500 | 2,969 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 593 |
| Cost of funding earning assets | 0.3591% | 5,058 |
| Net interest margin | 4.8774% | 378 |
| Noninterest income to average assets | 0.9945% | 1,411 |
| Noninterest expense to average assets | 3.2091% | 2,391 |
| Loan and lease loss provision to assets | 0.0761% | 3,585 |
| Net operating income to assets | 2.1347% | 273 |
| Return on assets (ROA) | 2.1373% | 275 |
| Pretax return on assets | 2.1373% | 350 |
| Return on Equity (ROE) | 21.8600% | 202 |
| Retained earnings to average equity (ytd only) | 7.0274% | 1,422 |
| Net charge-offs to loans | 0.0197% | 5,041 |
| Credit loss provision to net charge-offs | 545.4545% | 427 |
| Earnings coverage of net charge-offs (x) | 158.5455% | 294 |
| Efficiency ratio | 59.2094% | 5,575 |
| Assets per employee ($millions) | 4.7406% | 2,523 |
| Cash dividends to net income (ytd only)* | 67.8529% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 3,887 |
| Loan loss allowance to noncurrent loans | 142.7226% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 3,555 |
| Noncurrent loans to loans | 0.9468% | 3,622 |
| Net loans and leases to total assets | 75.5035% | 1,146 |
| Net loans and leases to deposits | 90.6300% | 1,184 |
| Net loans and leases to core deposits | 92.9234% | 1,681 |
| Total domestic deposits to total assets | 83.3096% | 4,424 |
| Equity capital to assets | 9.7238% | 4,142 |
| Core capital (leverage) ratio | 10.3216% | 3,126 |
| Tier 1 risk-based capital ratio | 13.5968% | 4,585 |
| Total risk-based capital ratio | 14.8486% | 4,528 |
| Memoranda: | ||
| Average total assets | $157,771,800 | 3,590 |
| Average earning assets | $143,150,200 | 3,617 |
| Average equity | $15,425,400 | 3,794 |
| Average total loans | $111,398,600 | 3,223 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 648 |
| Cost of funding earning assets | 0.3749% | 5,050 |
| Net interest margin | 4.8226% | 410 |
| Noninterest income to average assets | 1.0179% | 1,403 |
| Noninterest expense to average assets | 3.1506% | 2,505 |
| Loan and lease loss provision to assets | 0.1020% | 3,065 |
| Net operating income to assets | 2.1369% | 288 |
| Return on assets (ROA) | 2.1403% | 294 |
| Pretax return on assets | 2.1403% | 439 |
| Return on Equity (ROE) | 21.8608% | 210 |
| Retained earnings to average equity (ytd only) | 7.2551% | 1,769 |
| Net charge-offs to loans | 0.0357% | 4,426 |
| Credit loss provision to net charge-offs | 413.7931% | 647 |
| Earnings coverage of net charge-offs (x) | 90.8521% | 533 |
| Efficiency ratio | 58.4581% | 5,633 |
| Assets per employee ($millions) | 5.0371% | 2,117 |
| Cash dividends to net income (ytd only)* | 66.8122% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 3,804 |
| Loan loss allowance to noncurrent loans | 277.5920% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 4,684 |
| Noncurrent loans to loans | 0.5121% | 4,910 |
| Net loans and leases to total assets | 71.4208% | 1,697 |
| Net loans and leases to deposits | 79.2741% | 2,511 |
| Net loans and leases to core deposits | 81.2680% | 2,968 |
| Total domestic deposits to total assets | 90.0935% | 941 |
| Equity capital to assets | 9.4915% | 4,566 |
| Core capital (leverage) ratio | 10.2290% | 3,364 |
| Tier 1 risk-based capital ratio | 14.0379% | 4,395 |
| Total risk-based capital ratio | 15.2875% | 4,353 |
| Memoranda: | ||
| Average total assets | $156,919,250 | 3,641 |
| Average earning assets | $142,244,500 | 3,665 |
| Average equity | $15,363,500 | 3,847 |
| Average total loans | $108,407,000 | 3,301 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0904% | 785 |
| Cost of funding earning assets | 0.4036% | 4,910 |
| Net interest margin | 4.6869% | 518 |
| Noninterest income to average assets | 1.0135% | 1,496 |
| Noninterest expense to average assets | 3.1769% | 2,418 |
| Loan and lease loss provision to assets | 0.0900% | 3,284 |
| Net operating income to assets | 2.0039% | 356 |
| Return on assets (ROA) | 2.0090% | 373 |
| Pretax return on assets | 2.0090% | 597 |
| Return on Equity (ROE) | 20.3055% | 283 |
| Retained earnings to average equity (ytd only) | 4.4849% | 3,409 |
| Net charge-offs to loans | 0.0284% | 4,295 |
| Credit loss provision to net charge-offs | 466.6667% | 588 |
| Earnings coverage of net charge-offs (x) | 108.5333% | 436 |
| Efficiency ratio | 60.2733% | 5,445 |
| Assets per employee ($millions) | 4.6001% | 2,652 |
| Cash dividends to net income (ytd only)* | 77.9129% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,480 |
| Loan loss allowance to noncurrent loans | 204.0201% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 4,388 |
| Noncurrent loans to loans | 0.7455% | 4,431 |
| Net loans and leases to total assets | 67.2248% | 2,375 |
| Net loans and leases to deposits | 74.6102% | 3,062 |
| Net loans and leases to core deposits | 76.4021% | 3,496 |
| Total domestic deposits to total assets | 90.1013% | 970 |
| Equity capital to assets | 9.5732% | 4,486 |
| Core capital (leverage) ratio | 10.0794% | 3,402 |
| Tier 1 risk-based capital ratio | 14.6974% | 3,971 |
| Total risk-based capital ratio | 15.9508% | 3,932 |
| Memoranda: | ||
| Average total assets | $155,496,670 | 3,681 |
| Average earning assets | $141,245,000 | 3,709 |
| Average equity | $15,385,000 | 3,872 |
| Average total loans | $105,615,670 | 3,369 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0657% | 795 |
| Cost of funding earning assets | 0.4302% | 4,805 |
| Net interest margin | 4.6355% | 537 |
| Noninterest income to average assets | 0.9623% | 1,574 |
| Noninterest expense to average assets | 3.1011% | 2,668 |
| Loan and lease loss provision to assets | 0.1290% | 2,630 |
| Net operating income to assets | 1.9582% | 371 |
| Return on assets (ROA) | 1.9582% | 400 |
| Pretax return on assets | 1.9582% | 641 |
| Return on Equity (ROE) | 19.4728% | 325 |
| Retained earnings to average equity (ytd only) | 8.4921% | 1,564 |
| Net charge-offs to loans | 0.0609% | 3,207 |
| Credit loss provision to net charge-offs | 312.5000% | 771 |
| Earnings coverage of net charge-offs (x) | 50.5625% | 671 |
| Efficiency ratio | 59.7713% | 5,618 |
| Assets per employee ($millions) | 4.3092% | 3,319 |
| Cash dividends to net income (ytd only)* | 56.3900% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,811 |
| Loan loss allowance to noncurrent loans | 208.1818% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 4,570 |
| Noncurrent loans to loans | 0.7222% | 4,686 |
| Net loans and leases to total assets | 67.6985% | 2,070 |
| Net loans and leases to deposits | 75.4902% | 2,710 |
| Net loans and leases to core deposits | 77.2971% | 3,162 |
| Total domestic deposits to total assets | 89.6785% | 1,246 |
| Equity capital to assets | 10.1088% | 4,006 |
| Core capital (leverage) ratio | 10.2286% | 3,109 |
| Tier 1 risk-based capital ratio | 15.0313% | 3,819 |
| Total risk-based capital ratio | 16.2854% | 3,769 |
| Memoranda: | ||
| Average total assets | $155,042,500 | 3,723 |
| Average earning assets | $141,344,000 | 3,742 |
| Average equity | $15,591,000 | 3,892 |
| Average total loans | $105,040,000 | 3,396 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 618 |
| Cost of funding earning assets | 0.6033% | 4,316 |
| Net interest margin | 4.9004% | 447 |
| Noninterest income to average assets | 1.0366% | 1,443 |
| Noninterest expense to average assets | 3.3867% | 2,083 |
| Loan and lease loss provision to assets | 0.0798% | 4,709 |
| Net operating income to assets | 2.0074% | 352 |
| Return on assets (ROA) | 2.0074% | 385 |
| Pretax return on assets | 2.0074% | 588 |
| Return on Equity (ROE) | 20.9491% | 265 |
| Retained earnings to average equity (ytd only) | 13.8457% | 208 |
| Net charge-offs to loans | 0.4842% | 2,301 |
| Credit loss provision to net charge-offs | 24.0481% | 5,225 |
| Earnings coverage of net charge-offs (x) | 6.2866% | 2,841 |
| Efficiency ratio | 61.8695% | 5,257 |
| Assets per employee ($millions) | 4.6955% | 2,650 |
| Cash dividends to net income (ytd only)* | 33.9079% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,676 |
| Loan loss allowance to noncurrent loans | 191.1084% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 4,652 |
| Noncurrent loans to loans | 0.7936% | 4,595 |
| Net loans and leases to total assets | 65.7528% | 2,565 |
| Net loans and leases to deposits | 73.1777% | 3,227 |
| Net loans and leases to core deposits | 75.0144% | 3,658 |
| Total domestic deposits to total assets | 89.8537% | 1,038 |
| Equity capital to assets | 10.0030% | 4,160 |
| Core capital (leverage) ratio | 9.9215% | 3,511 |
| Tier 1 risk-based capital ratio | 15.0387% | 3,696 |
| Total risk-based capital ratio | 16.2920% | 3,646 |
| Memoranda: | ||
| Average total assets | $150,292,600 | 3,769 |
| Average earning assets | $136,090,400 | 3,790 |
| Average equity | $14,401,600 | 4,088 |
| Average total loans | $103,047,000 | 3,455 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5568% | 605 |
| Cost of funding earning assets | 0.6296% | 4,368 |
| Net interest margin | 4.9272% | 450 |
| Noninterest income to average assets | 0.9853% | 1,544 |
| Noninterest expense to average assets | 3.3706% | 2,084 |
| Loan and lease loss provision to assets | 0.0358% | 5,324 |
| Net operating income to assets | 2.0358% | 367 |
| Return on assets (ROA) | 2.0358% | 408 |
| Pretax return on assets | 2.0358% | 655 |
| Return on Equity (ROE) | 21.4902% | 263 |
| Retained earnings to average equity (ytd only) | 12.5619% | 430 |
| Net charge-offs to loans | 0.6476% | 1,693 |
| Credit loss provision to net charge-offs | 8.0000% | 5,099 |
| Earnings coverage of net charge-offs (x) | 4.6340% | 3,248 |
| Efficiency ratio | 61.9353% | 5,157 |
| Assets per employee ($millions) | 4.5376% | 2,850 |
| Cash dividends to net income (ytd only)* | 41.5459% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,094 |
| Loan loss allowance to noncurrent loans | 164.7841% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 4,615 |
| Noncurrent loans to loans | 0.8885% | 4,654 |
| Net loans and leases to total assets | 64.9093% | 2,862 |
| Net loans and leases to deposits | 72.1573% | 3,587 |
| Net loans and leases to core deposits | 73.8750% | 3,987 |
| Total domestic deposits to total assets | 89.9553% | 873 |
| Equity capital to assets | 9.6655% | 4,967 |
| Core capital (leverage) ratio | 9.8265% | 3,783 |
| Tier 1 risk-based capital ratio | 14.7258% | 4,027 |
| Total risk-based capital ratio | 15.9786% | 3,991 |
| Memoranda: | ||
| Average total assets | $149,127,500 | 3,835 |
| Average earning assets | $134,894,250 | 3,854 |
| Average equity | $14,127,000 | 4,173 |
| Average total loans | $102,945,000 | 3,487 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6982% | 484 |
| Cost of funding earning assets | 0.6751% | 4,224 |
| Net interest margin | 5.0231% | 389 |
| Noninterest income to average assets | 0.9389% | 1,649 |
| Noninterest expense to average assets | 3.3621% | 2,119 |
| Loan and lease loss provision to assets | 0.0543% | 4,980 |
| Net operating income to assets | 2.0555% | 362 |
| Return on assets (ROA) | 2.0555% | 403 |
| Pretax return on assets | 2.0555% | 629 |
| Return on Equity (ROE) | 21.8531% | 254 |
| Retained earnings to average equity (ytd only) | 14.5543% | 303 |
| Net charge-offs to loans | 0.8338% | 1,329 |
| Credit loss provision to net charge-offs | 9.2807% | 4,749 |
| Earnings coverage of net charge-offs (x) | 3.6079% | 3,328 |
| Efficiency ratio | 61.4431% | 5,342 |
| Assets per employee ($millions) | 4.3591% | 3,148 |
| Cash dividends to net income (ytd only)* | 33.3993% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,831 |
| Loan loss allowance to noncurrent loans | 125.7882% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 4,148 |
| Noncurrent loans to loans | 1.2228% | 4,099 |
| Net loans and leases to total assets | 67.2080% | 2,425 |
| Net loans and leases to deposits | 74.7008% | 3,169 |
| Net loans and leases to core deposits | 76.2073% | 3,749 |
| Total domestic deposits to total assets | 89.9696% | 943 |
| Equity capital to assets | 9.7173% | 4,735 |
| Core capital (leverage) ratio | 9.8090% | 3,707 |
| Tier 1 risk-based capital ratio | 14.4444% | 4,140 |
| Total risk-based capital ratio | 15.6909% | 4,111 |
| Memoranda: | ||
| Average total assets | $147,410,000 | 3,881 |
| Average earning assets | $133,024,670 | 3,903 |
| Average equity | $13,865,330 | 4,221 |
| Average total loans | $103,383,330 | 3,487 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8609% | 380 |
| Cost of funding earning assets | 0.7639% | 3,758 |
| Net interest margin | 5.0969% | 341 |
| Noninterest income to average assets | 0.8952% | 1,764 |
| Noninterest expense to average assets | 3.4501% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0380% | 390 |
| Return on assets (ROA) | 2.0380% | 451 |
| Pretax return on assets | 2.0380% | 692 |
| Return on Equity (ROE) | 22.0343% | 273 |
| Retained earnings to average equity (ytd only) | 17.0038% | 307 |
| Net charge-offs to loans | -0.9302% | 7,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8656% | 5,124 |
| Assets per employee ($millions) | 4.4431% | 3,095 |
| Cash dividends to net income (ytd only)* | 22.8304% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1378% | 2,008 |
| Loan loss allowance to noncurrent loans | 177.8409% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 3,881 |
| Noncurrent loans to loans | 1.2021% | 4,326 |
| Net loans and leases to total assets | 68.4054% | 2,040 |
| Net loans and leases to deposits | 75.7561% | 2,834 |
| Net loans and leases to core deposits | 77.0948% | 3,458 |
| Total domestic deposits to total assets | 90.2969% | 917 |
| Equity capital to assets | 9.4808% | 4,835 |
| Core capital (leverage) ratio | 9.6092% | 3,900 |
| Tier 1 risk-based capital ratio | 13.8855% | 4,541 |
| Total risk-based capital ratio | 15.1362% | 4,524 |
| Memoranda: | ||
| Average total assets | $147,010,000 | 3,924 |
| Average earning assets | $132,472,000 | 3,933 |
| Average equity | $13,597,000 | 4,278 |
| Average total loans | $104,492,500 | 3,492 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7246% | 743 |
| Cost of funding earning assets | 1.0117% | 3,289 |
| Net interest margin | 4.7129% | 732 |
| Noninterest income to average assets | 0.9650% | 1,460 |
| Noninterest expense to average assets | 3.3134% | 2,481 |
| Loan and lease loss provision to assets | 0.7518% | 1,341 |
| Net operating income to assets | 1.1789% | 1,571 |
| Return on assets (ROA) | 1.1789% | 1,688 |
| Pretax return on assets | 1.1789% | 2,531 |
| Return on Equity (ROE) | 13.6166% | 1,031 |
| Retained earnings to average equity (ytd only) | 6.8359% | 1,578 |
| Net charge-offs to loans | 0.5279% | 2,889 |
| Credit loss provision to net charge-offs | 190.6412% | 1,340 |
| Earnings coverage of net charge-offs (x) | 4.8960% | 2,950 |
| Efficiency ratio | 63.1826% | 5,262 |
| Assets per employee ($millions) | 4.6062% | 2,742 |
| Cash dividends to net income (ytd only)* | 49.7971% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 2,776 |
| Loan loss allowance to noncurrent loans | 91.9736% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.8725% | 3,153 |
| Noncurrent loans to loans | 1.9888% | 3,223 |
| Net loans and leases to total assets | 70.9295% | 1,836 |
| Net loans and leases to deposits | 78.1072% | 2,823 |
| Net loans and leases to core deposits | 79.4408% | 3,519 |
| Total domestic deposits to total assets | 90.8105% | 582 |
| Equity capital to assets | 9.0185% | 5,533 |
| Core capital (leverage) ratio | 8.7898% | 5,120 |
| Tier 1 risk-based capital ratio | 12.8614% | 5,186 |
| Total risk-based capital ratio | 14.1042% | 5,169 |
| Memoranda: | ||
| Average total assets | $146,317,000 | 3,866 |
| Average earning assets | $132,847,400 | 3,875 |
| Average equity | $12,668,400 | 4,403 |
| Average total loans | $109,302,600 | 3,398 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7321% | 803 |
| Cost of funding earning assets | 1.0623% | 3,232 |
| Net interest margin | 4.6698% | 812 |
| Noninterest income to average assets | 0.9723% | 1,413 |
| Noninterest expense to average assets | 3.2263% | 2,741 |
| Loan and lease loss provision to assets | 1.0042% | 854 |
| Net operating income to assets | 0.9796% | 2,394 |
| Return on assets (ROA) | 0.9796% | 2,554 |
| Pretax return on assets | 0.9796% | 3,478 |
| Return on Equity (ROE) | 11.4338% | 1,710 |
| Retained earnings to average equity (ytd only) | 3.0903% | 4,484 |
| Net charge-offs to loans | 0.7309% | 2,097 |
| Credit loss provision to net charge-offs | 182.4212% | 1,625 |
| Earnings coverage of net charge-offs (x) | 3.6036% | 3,372 |
| Efficiency ratio | 61.9240% | 5,419 |
| Assets per employee ($millions) | 4.5706% | 2,809 |
| Cash dividends to net income (ytd only)* | 72.9727% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 2,993 |
| Loan loss allowance to noncurrent loans | 75.3038% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 2.0102% | 3,128 |
| Noncurrent loans to loans | 2.3719% | 2,926 |
| Net loans and leases to total assets | 70.0325% | 2,077 |
| Net loans and leases to deposits | 76.7677% | 3,197 |
| Net loans and leases to core deposits | 77.8672% | 3,926 |
| Total domestic deposits to total assets | 91.2265% | 372 |
| Equity capital to assets | 8.4280% | 6,371 |
| Core capital (leverage) ratio | 8.6147% | 5,528 |
| Tier 1 risk-based capital ratio | 12.3277% | 5,642 |
| Total risk-based capital ratio | 13.5691% | 5,637 |
| Memoranda: | ||
| Average total assets | $146,047,000 | 3,891 |
| Average earning assets | $132,537,000 | 3,901 |
| Average equity | $12,512,250 | 4,450 |
| Average total loans | $110,004,250 | 3,411 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7579% | 782 |
| Cost of funding earning assets | 1.1012% | 3,228 |
| Net interest margin | 4.6566% | 806 |
| Noninterest income to average assets | 0.9816% | 1,372 |
| Noninterest expense to average assets | 3.1484% | 3,087 |
| Loan and lease loss provision to assets | 1.1769% | 672 |
| Net operating income to assets | 0.8833% | 2,722 |
| Return on assets (ROA) | 0.8833% | 2,822 |
| Pretax return on assets | 0.8833% | 3,696 |
| Return on Equity (ROE) | 10.2526% | 2,031 |
| Retained earnings to average equity (ytd only) | -0.8838% | 6,030 |
| Net charge-offs to loans | 1.1442% | 1,369 |
| Credit loss provision to net charge-offs | 134.0694% | 2,279 |
| Earnings coverage of net charge-offs (x) | 2.3470% | 3,652 |
| Efficiency ratio | 60.4466% | 5,809 |
| Assets per employee ($millions) | 4.2791% | 3,198 |
| Cash dividends to net income (ytd only)* | 108.6207% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 4,104 |
| Loan loss allowance to noncurrent loans | 64.1657% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.0895% | 3,127 |
| Noncurrent loans to loans | 2.3488% | 3,045 |
| Net loans and leases to total assets | 73.7551% | 1,466 |
| Net loans and leases to deposits | 80.8278% | 2,638 |
| Net loans and leases to core deposits | 82.0264% | 3,500 |
| Total domestic deposits to total assets | 91.2496% | 408 |
| Equity capital to assets | 8.4789% | 6,211 |
| Core capital (leverage) ratio | 8.5661% | 5,451 |
| Tier 1 risk-based capital ratio | 11.8794% | 5,877 |
| Total risk-based capital ratio | 13.1158% | 5,861 |
| Memoranda: | ||
| Average total assets | $144,452,670 | 3,945 |
| Average earning assets | $131,124,670 | 3,959 |
| Average equity | $12,445,670 | 4,443 |
| Average total loans | $110,822,000 | 3,437 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8104% | 727 |
| Cost of funding earning assets | 1.0954% | 3,557 |
| Net interest margin | 4.7151% | 684 |
| Noninterest income to average assets | 0.9893% | 1,360 |
| Noninterest expense to average assets | 3.2043% | 2,878 |
| Loan and lease loss provision to assets | 1.2506% | 556 |
| Net operating income to assets | 0.8170% | 2,943 |
| Return on assets (ROA) | 0.8170% | 3,001 |
| Pretax return on assets | 0.8170% | 3,838 |
| Return on Equity (ROE) | 9.4076% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.9757% | 2,155 |
| Net charge-offs to loans | 0.1933% | 3,343 |
| Credit loss provision to net charge-offs | 833.3333% | 458 |
| Earnings coverage of net charge-offs (x) | 13.7778% | 1,411 |
| Efficiency ratio | 60.7802% | 5,863 |
| Assets per employee ($millions) | 4.2527% | 3,330 |
| Cash dividends to net income (ytd only)* | 25.8503% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 3,504 |
| Loan loss allowance to noncurrent loans | 68.8990% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 2.1862% | 3,083 |
| Noncurrent loans to loans | 2.4030% | 3,084 |
| Net loans and leases to total assets | 74.8076% | 1,221 |
| Net loans and leases to deposits | 82.1242% | 2,338 |
| Net loans and leases to core deposits | 83.3025% | 3,261 |
| Total domestic deposits to total assets | 91.0907% | 585 |
| Equity capital to assets | 8.7212% | 5,626 |
| Core capital (leverage) ratio | 8.9054% | 4,764 |
| Tier 1 risk-based capital ratio | 12.0233% | 5,668 |
| Total risk-based capital ratio | 13.2647% | 5,667 |
| Memoranda: | ||
| Average total assets | $143,933,500 | 3,996 |
| Average earning assets | $130,730,000 | 4,011 |
| Average equity | $12,500,500 | 4,448 |
| Average total loans | $111,758,500 | 3,448 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2278% | 535 |
| Cost of funding earning assets | 1.3726% | 3,443 |
| Net interest margin | 4.8552% | 597 |
| Noninterest income to average assets | 0.8391% | 2,102 |
| Noninterest expense to average assets | 3.0941% | 3,481 |
| Loan and lease loss provision to assets | 1.2031% | 1,301 |
| Net operating income to assets | 0.8886% | 2,432 |
| Return on assets (ROA) | 0.8886% | 2,569 |
| Pretax return on assets | 0.8886% | 3,341 |
| Return on Equity (ROE) | 10.7496% | 1,664 |
| Retained earnings to average equity (ytd only) | 3.0666% | 3,707 |
| Net charge-offs to loans | 1.7135% | 1,261 |
| Credit loss provision to net charge-offs | 88.1769% | 5,201 |
| Earnings coverage of net charge-offs (x) | 1.5330% | 4,596 |
| Efficiency ratio | 59.6654% | 6,094 |
| Assets per employee ($millions) | 4.2140% | 3,365 |
| Cash dividends to net income (ytd only)* | 71.4722% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,228 |
| Loan loss allowance to noncurrent loans | 128.9593% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 4,637 |
| Noncurrent loans to loans | 0.9733% | 5,103 |
| Net loans and leases to total assets | 78.2448% | 905 |
| Net loans and leases to deposits | 85.7899% | 2,142 |
| Net loans and leases to core deposits | 87.2061% | 3,152 |
| Total domestic deposits to total assets | 91.2051% | 503 |
| Equity capital to assets | 8.6483% | 5,661 |
| Core capital (leverage) ratio | 8.3898% | 5,556 |
| Tier 1 risk-based capital ratio | 11.4326% | 5,962 |
| Total risk-based capital ratio | 12.6736% | 5,967 |
| Memoranda: | ||
| Average total assets | $147,538,000 | 3,917 |
| Average earning assets | $132,085,400 | 3,974 |
| Average equity | $12,195,800 | 4,556 |
| Average total loans | $117,477,800 | 3,371 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2371% | 577 |
| Cost of funding earning assets | 1.4393% | 3,339 |
| Net interest margin | 4.7977% | 680 |
| Noninterest income to average assets | 0.8120% | 2,171 |
| Noninterest expense to average assets | 2.9985% | 3,751 |
| Loan and lease loss provision to assets | 1.1440% | 1,271 |
| Net operating income to assets | 0.9493% | 2,416 |
| Return on assets (ROA) | 0.9493% | 2,547 |
| Pretax return on assets | 0.9493% | 3,369 |
| Return on Equity (ROE) | 11.6130% | 1,617 |
| Retained earnings to average equity (ytd only) | 2.1623% | 4,877 |
| Net charge-offs to loans | 0.8869% | 2,227 |
| Credit loss provision to net charge-offs | 161.8020% | 2,329 |
| Earnings coverage of net charge-offs (x) | 2.9607% | 3,648 |
| Efficiency ratio | 58.8899% | 6,123 |
| Assets per employee ($millions) | 4.4673% | 2,960 |
| Cash dividends to net income (ytd only)* | 81.3800% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7964% | 2,798 |
| Loan loss allowance to noncurrent loans | 71.5236% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.2016% | 3,199 |
| Noncurrent loans to loans | 2.5116% | 3,105 |
| Net loans and leases to total assets | 77.3835% | 1,148 |
| Net loans and leases to deposits | 84.3400% | 2,646 |
| Net loans and leases to core deposits | 86.9903% | 3,526 |
| Total domestic deposits to total assets | 91.7519% | 244 |
| Equity capital to assets | 8.0414% | 6,764 |
| Core capital (leverage) ratio | 8.1182% | 6,169 |
| Tier 1 risk-based capital ratio | 10.9591% | 6,413 |
| Total risk-based capital ratio | 12.2179% | 6,390 |
| Memoranda: | ||
| Average total assets | $148,603,500 | 3,944 |
| Average earning assets | $132,559,250 | 4,018 |
| Average equity | $12,147,000 | 4,638 |
| Average total loans | $118,464,500 | 3,395 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2989% | 516 |
| Cost of funding earning assets | 1.5157% | 3,163 |
| Net interest margin | 4.7832% | 676 |
| Noninterest income to average assets | 0.7539% | 2,372 |
| Noninterest expense to average assets | 3.0995% | 3,324 |
| Loan and lease loss provision to assets | 0.7118% | 2,044 |
| Net operating income to assets | 1.1742% | 1,632 |
| Return on assets (ROA) | 1.1742% | 1,695 |
| Pretax return on assets | 1.1742% | 2,498 |
| Return on Equity (ROE) | 14.2849% | 977 |
| Retained earnings to average equity (ytd only) | 3.6949% | 3,749 |
| Net charge-offs to loans | 0.5658% | 2,843 |
| Credit loss provision to net charge-offs | 157.1856% | 2,509 |
| Earnings coverage of net charge-offs (x) | 4.1647% | 3,034 |
| Efficiency ratio | 62.1702% | 5,660 |
| Assets per employee ($millions) | 4.4458% | 2,970 |
| Cash dividends to net income (ytd only)* | 74.1339% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 3,664 |
| Loan loss allowance to noncurrent loans | 97.4763% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.6910% | 3,906 |
| Noncurrent loans to loans | 1.5912% | 4,321 |
| Net loans and leases to total assets | 77.8535% | 1,138 |
| Net loans and leases to deposits | 84.9271% | 2,718 |
| Net loans and leases to core deposits | 87.4354% | 3,630 |
| Total domestic deposits to total assets | 91.6709% | 299 |
| Equity capital to assets | 8.0982% | 6,657 |
| Core capital (leverage) ratio | 8.3183% | 5,726 |
| Tier 1 risk-based capital ratio | 10.9079% | 6,334 |
| Total risk-based capital ratio | 12.1635% | 6,315 |
| Memoranda: | ||
| Average total assets | $147,508,330 | 4,005 |
| Average earning assets | $130,499,330 | 4,077 |
| Average equity | $12,124,670 | 4,647 |
| Average total loans | $118,057,000 | 3,431 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4087% | 426 |
| Cost of funding earning assets | 1.5721% | 3,128 |
| Net interest margin | 4.8365% | 590 |
| Noninterest income to average assets | 0.6809% | 2,729 |
| Noninterest expense to average assets | 3.1850% | 2,926 |
| Loan and lease loss provision to assets | 0.6864% | 1,854 |
| Net operating income to assets | 1.0077% | 2,150 |
| Return on assets (ROA) | 1.0077% | 2,213 |
| Pretax return on assets | 1.0077% | 3,065 |
| Return on Equity (ROE) | 12.1659% | 1,451 |
| Retained earnings to average equity (ytd only) | 3.2818% | 4,175 |
| Net charge-offs to loans | 0.4432% | 2,718 |
| Credit loss provision to net charge-offs | 192.3077% | 1,922 |
| Earnings coverage of net charge-offs (x) | 4.7462% | 2,563 |
| Efficiency ratio | 65.2786% | 5,257 |
| Assets per employee ($millions) | 4.0127% | 3,836 |
| Cash dividends to net income (ytd only)* | 73.0245% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 3,787 |
| Loan loss allowance to noncurrent loans | 181.5682% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 4,793 |
| Noncurrent loans to loans | 0.8398% | 5,635 |
| Net loans and leases to total assets | 79.7097% | 876 |
| Net loans and leases to deposits | 87.2055% | 2,371 |
| Net loans and leases to core deposits | 89.7993% | 3,387 |
| Total domestic deposits to total assets | 91.4044% | 404 |
| Equity capital to assets | 8.3872% | 6,172 |
| Core capital (leverage) ratio | 8.4730% | 5,418 |
| Tier 1 risk-based capital ratio | 10.9694% | 6,190 |
| Total risk-based capital ratio | 12.2251% | 6,150 |
| Memoranda: | ||
| Average total assets | $145,684,000 | 4,099 |
| Average earning assets | $126,454,000 | 4,228 |
| Average equity | $12,066,500 | 4,706 |
| Average total loans | $117,318,000 | 3,513 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6714% | 496 |
| Cost of funding earning assets | 2.1334% | 2,316 |
| Net interest margin | 4.5379% | 1,103 |
| Noninterest income to average assets | 0.7769% | 2,527 |
| Noninterest expense to average assets | 3.3153% | 2,963 |
| Loan and lease loss provision to assets | 0.6203% | 3,322 |
| Net operating income to assets | 0.8761% | 2,260 |
| Return on assets (ROA) | 0.8981% | 2,251 |
| Pretax return on assets | 0.8981% | 2,930 |
| Return on Equity (ROE) | 11.3541% | 1,336 |
| Retained earnings to average equity (ytd only) | -0.7348% | 5,186 |
| Net charge-offs to loans | 0.4871% | 3,821 |
| Credit loss provision to net charge-offs | 155.9715% | 2,906 |
| Earnings coverage of net charge-offs (x) | 3.7629% | 3,211 |
| Efficiency ratio | 68.9010% | 4,846 |
| Assets per employee ($millions) | 4.0808% | 3,653 |
| Cash dividends to net income (ytd only)* | 106.4720% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 4,161 |
| Loan loss allowance to noncurrent loans | 183.7569% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 4,201 |
| Noncurrent loans to loans | 0.7689% | 5,731 |
| Net loans and leases to total assets | 78.9892% | 1,184 |
| Net loans and leases to deposits | 86.2773% | 2,864 |
| Net loans and leases to core deposits | 103.6644% | 3,606 |
| Total domestic deposits to total assets | 91.5527% | 367 |
| Equity capital to assets | 8.1798% | 6,363 |
| Core capital (leverage) ratio | 8.1480% | 5,910 |
| Tier 1 risk-based capital ratio | 10.5899% | 6,307 |
| Total risk-based capital ratio | 11.8422% | 6,286 |
| Memoranda: | ||
| Average total assets | $141,071,800 | 4,100 |
| Average earning assets | $125,431,200 | 4,183 |
| Average equity | $11,159,000 | 4,977 |
| Average total loans | $115,164,000 | 3,576 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6595% | 545 |
| Cost of funding earning assets | 2.1900% | 2,454 |
| Net interest margin | 4.4695% | 1,268 |
| Noninterest income to average assets | 0.7898% | 2,486 |
| Noninterest expense to average assets | 3.2766% | 3,002 |
| Loan and lease loss provision to assets | 0.7163% | 2,586 |
| Net operating income to assets | 0.8003% | 2,814 |
| Return on assets (ROA) | 0.8003% | 2,878 |
| Pretax return on assets | 0.8003% | 3,541 |
| Return on Equity (ROE) | 10.2089% | 1,842 |
| Retained earnings to average equity (ytd only) | -3.9592% | 6,107 |
| Net charge-offs to loans | 0.5239% | 3,118 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | 3.5289% | 3,495 |
| Efficiency ratio | 68.3602% | 4,898 |
| Assets per employee ($millions) | 3.9756% | 3,777 |
| Cash dividends to net income (ytd only)* | 138.7824% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 3,904 |
| Loan loss allowance to noncurrent loans | 298.1917% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 1.9606% | 3,400 |
| Noncurrent loans to loans | 0.4717% | 6,377 |
| Net loans and leases to total assets | 80.7557% | 1,029 |
| Net loans and leases to deposits | 87.7341% | 3,015 |
| Net loans and leases to core deposits | 108.1653% | 3,451 |
| Total domestic deposits to total assets | 92.0460% | 167 |
| Equity capital to assets | 7.5844% | 7,236 |
| Core capital (leverage) ratio | 7.5461% | 6,925 |
| Tier 1 risk-based capital ratio | 9.7130% | 7,226 |
| Total risk-based capital ratio | 10.9657% | 7,183 |
| Memoranda: | ||
| Average total assets | $139,612,250 | 4,148 |
| Average earning assets | $125,050,750 | 4,226 |
| Average equity | $10,944,500 | 5,083 |
| Average total loans | $114,528,500 | 3,624 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7047% | 536 |
| Cost of funding earning assets | 2.2850% | 2,416 |
| Net interest margin | 4.4197% | 1,363 |
| Noninterest income to average assets | 0.7512% | 2,696 |
| Noninterest expense to average assets | 3.3371% | 2,834 |
| Loan and lease loss provision to assets | 0.7584% | 2,168 |
| Net operating income to assets | 0.6068% | 3,649 |
| Return on assets (ROA) | 0.6068% | 3,758 |
| Pretax return on assets | 0.6068% | 4,302 |
| Return on Equity (ROE) | 7.6542% | 2,902 |
| Retained earnings to average equity (ytd only) | -5.9229% | 6,439 |
| Net charge-offs to loans | 0.7586% | 2,160 |
| Credit loss provision to net charge-offs | 121.8097% | 3,815 |
| Earnings coverage of net charge-offs (x) | 2.1926% | 3,975 |
| Efficiency ratio | 70.9677% | 4,598 |
| Assets per employee ($millions) | 3.8059% | 4,082 |
| Cash dividends to net income (ytd only)* | 177.3810% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 4,746 |
| Loan loss allowance to noncurrent loans | 334.8028% | 944 |
| Noncurrent assets plus other real estate owned to assets | 2.0702% | 3,100 |
| Noncurrent loans to loans | 0.3672% | 6,594 |
| Net loans and leases to total assets | 80.1608% | 1,287 |
| Net loans and leases to deposits | 89.0373% | 2,984 |
| Net loans and leases to core deposits | 113.7192% | 2,941 |
| Total domestic deposits to total assets | 90.0306% | 817 |
| Equity capital to assets | 7.4940% | 7,269 |
| Core capital (leverage) ratio | 7.5382% | 6,975 |
| Tier 1 risk-based capital ratio | 9.4891% | 7,394 |
| Total risk-based capital ratio | 10.7471% | 7,347 |
| Memoranda: | ||
| Average total assets | $138,442,000 | 4,206 |
| Average earning assets | $123,764,000 | 4,277 |
| Average equity | $10,974,330 | 5,095 |
| Average total loans | $113,628,330 | 3,685 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6432% | 646 |
| Cost of funding earning assets | 2.3892% | 2,338 |
| Net interest margin | 4.2540% | 1,733 |
| Noninterest income to average assets | 0.8895% | 1,894 |
| Noninterest expense to average assets | 3.3069% | 2,637 |
| Loan and lease loss provision to assets | 0.8866% | 1,475 |
| Net operating income to assets | 0.4847% | 4,490 |
| Return on assets (ROA) | 0.4847% | 4,683 |
| Pretax return on assets | 0.4847% | 5,124 |
| Return on Equity (ROE) | 5.9407% | 4,064 |
| Retained earnings to average equity (ytd only) | -10.0702% | 7,122 |
| Net charge-offs to loans | 1.1418% | 1,207 |
| Credit loss provision to net charge-offs | 94.0439% | 3,919 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 4,006 |
| Efficiency ratio | 70.6886% | 4,431 |
| Assets per employee ($millions) | 4.0661% | 3,523 |
| Cash dividends to net income (ytd only)* | 269.5122% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 4,949 |
| Loan loss allowance to noncurrent loans | 149.9436% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 2.2668% | 2,530 |
| Noncurrent loans to loans | 0.7854% | 5,478 |
| Net loans and leases to total assets | 78.4190% | 1,711 |
| Net loans and leases to deposits | 87.2791% | 3,425 |
| Net loans and leases to core deposits | 114.4777% | 2,960 |
| Total domestic deposits to total assets | 89.8486% | 867 |
| Equity capital to assets | 7.6520% | 7,216 |
| Core capital (leverage) ratio | 8.2223% | 6,054 |
| Tier 1 risk-based capital ratio | 9.8750% | 7,061 |
| Total risk-based capital ratio | 11.0832% | 7,014 |
| Memoranda: | ||
| Average total assets | $135,351,500 | 4,305 |
| Average earning assets | $120,544,500 | 4,370 |
| Average equity | $11,042,500 | 5,094 |
| Average total loans | $111,755,500 | 3,746 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0893% | 933 |
| Cost of funding earning assets | 2.7405% | 2,974 |
| Net interest margin | 4.3488% | 1,830 |
| Noninterest income to average assets | 1.6945% | 475 |
| Noninterest expense to average assets | 3.6467% | 2,048 |
| Loan and lease loss provision to assets | 0.4849% | 2,875 |
| Net operating income to assets | 1.4315% | 1,163 |
| Return on assets (ROA) | 1.5580% | 883 |
| Pretax return on assets | 1.5580% | 1,518 |
| Return on Equity (ROE) | 17.0129% | 631 |
| Retained earnings to average equity (ytd only) | -4.6853% | 6,459 |
| Net charge-offs to loans | 0.1793% | 4,403 |
| Credit loss provision to net charge-offs | 343.4066% | 1,320 |
| Earnings coverage of net charge-offs (x) | 13.5714% | 2,122 |
| Efficiency ratio | 65.4114% | 5,240 |
| Assets per employee ($millions) | 3.8905% | 3,759 |
| Cash dividends to net income (ytd only)* | 127.5398% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 4,381 |
| Loan loss allowance to noncurrent loans | 85.6508% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.4621% | 1,972 |
| Noncurrent loans to loans | 1.4243% | 3,670 |
| Net loans and leases to total assets | 85.0780% | 724 |
| Net loans and leases to deposits | 97.8571% | 2,146 |
| Net loans and leases to core deposits | 127.8441% | 2,010 |
| Total domestic deposits to total assets | 86.9411% | 1,962 |
| Equity capital to assets | 8.7197% | 5,779 |
| Core capital (leverage) ratio | 8.9396% | 4,833 |
| Tier 1 risk-based capital ratio | 10.5939% | 6,111 |
| Total risk-based capital ratio | 11.8444% | 6,011 |
| Memoranda: | ||
| Average total assets | $128,884,200 | 4,312 |
| Average earning assets | $114,652,000 | 4,398 |
| Average equity | $11,802,800 | 4,889 |
| Average total loans | $101,499,600 | 3,906 |