Home > Virginia Commonwealth Bank > Performance and Condition Ratios
Virginia Commonwealth Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,670 |
| Cost of funding earning assets | 0.6005% | 1,371 |
| Net interest margin | 3.4944% | 3,290 |
| Noninterest income to average assets | 0.3779% | 3,825 |
| Noninterest expense to average assets | 2.7493% | 2,952 |
| Loan and lease loss provision to assets | 0.0929% | 1,988 |
| Net operating income to assets | 0.5551% | 4,353 |
| Return on assets (ROA) | 0.5551% | 4,400 |
| Pretax return on assets | 0.8016% | 4,109 |
| Return on Equity (ROE) | 5.0976% | 4,339 |
| Retained earnings to average equity (ytd only) | 1.9913% | 4,339 |
| Net charge-offs to loans | 0.3827% | 480 |
| Credit loss provision to net charge-offs | 28.9575% | 2,117 |
| Earnings coverage of net charge-offs (x) | 2.7876% | 2,549 |
| Efficiency ratio | 75.4505% | 1,991 |
| Assets per employee ($millions) | 5.7319% | 1,704 |
| Cash dividends to net income (ytd only)* | 60.9375% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 4,908 |
| Loan loss allowance to noncurrent loans | 215.5820% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 1,323 |
| Noncurrent loans to loans | 0.3970% | 3,674 |
| Net loans and leases to total assets | 83.3986% | 422 |
| Net loans and leases to deposits | 102.3961% | 479 |
| Net loans and leases to core deposits | 107.3039% | 1,016 |
| Total domestic deposits to total assets | 81.4471% | 4,313 |
| Equity capital to assets | 10.7713% | 2,889 |
| Core capital (leverage) ratio | 10.9516% | 2,410 |
| Tier 1 risk-based capital ratio | 12.9355% | 4,118 |
| Total risk-based capital ratio | 13.8001% | 4,263 |
| Memoranda: | ||
| Average total assets | $322,848,000 | 2,081 |
| Average earning assets | $301,739,500 | 2,062 |
| Average equity | $35,153,500 | 2,077 |
| Average total loans | $270,719,500 | 1,725 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,061 |
| Cost of funding earning assets | 0.5654% | 1,562 |
| Net interest margin | 3.4753% | 3,525 |
| Noninterest income to average assets | 0.2286% | 5,047 |
| Noninterest expense to average assets | 2.6114% | 3,642 |
| Loan and lease loss provision to assets | 0.0386% | 3,604 |
| Net operating income to assets | 0.5585% | 4,400 |
| Return on assets (ROA) | 0.5658% | 4,467 |
| Pretax return on assets | 0.8287% | 4,096 |
| Return on Equity (ROE) | 5.2739% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.3386% | 3,545 |
| Net charge-offs to loans | 0.3010% | 915 |
| Credit loss provision to net charge-offs | 15.6642% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3.4787% | 3,661 |
| Efficiency ratio | 75.3025% | 2,095 |
| Assets per employee ($millions) | 5.6960% | 1,697 |
| Cash dividends to net income (ytd only)* | 36.6957% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,575 |
| Loan loss allowance to noncurrent loans | 273.4628% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.2665% | 1,406 |
| Noncurrent loans to loans | 0.3477% | 3,887 |
| Net loans and leases to total assets | 82.7875% | 505 |
| Net loans and leases to deposits | 102.3983% | 510 |
| Net loans and leases to core deposits | 106.6742% | 1,086 |
| Total domestic deposits to total assets | 80.8485% | 4,367 |
| Equity capital to assets | 11.0086% | 2,623 |
| Core capital (leverage) ratio | 10.7360% | 2,616 |
| Tier 1 risk-based capital ratio | 13.2401% | 3,929 |
| Total risk-based capital ratio | 14.3489% | 3,920 |
| Memoranda: | ||
| Average total assets | $324,122,600 | 2,038 |
| Average earning assets | $302,106,400 | 2,028 |
| Average equity | $34,775,200 | 2,090 |
| Average total loans | $265,147,000 | 1,702 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 3,119 |
| Cost of funding earning assets | 0.5564% | 1,635 |
| Net interest margin | 3.4711% | 3,582 |
| Noninterest income to average assets | 0.2446% | 5,010 |
| Noninterest expense to average assets | 2.4363% | 4,173 |
| Loan and lease loss provision to assets | 0.1536% | 1,517 |
| Net operating income to assets | 0.6129% | 4,240 |
| Return on assets (ROA) | 0.6228% | 4,320 |
| Pretax return on assets | 0.9026% | 3,969 |
| Return on Equity (ROE) | 5.8420% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.7928% | 2,959 |
| Net charge-offs to loans | 0.2734% | 845 |
| Credit loss provision to net charge-offs | 69.0608% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.6833% | 3,239 |
| Efficiency ratio | 70.0436% | 2,878 |
| Assets per employee ($millions) | 5.5796% | 1,770 |
| Cash dividends to net income (ytd only)* | 17.9604% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 3,458 |
| Loan loss allowance to noncurrent loans | 186.5031% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 1,130 |
| Noncurrent loans to loans | 0.6241% | 3,140 |
| Net loans and leases to total assets | 79.7606% | 922 |
| Net loans and leases to deposits | 101.7490% | 592 |
| Net loans and leases to core deposits | 106.8148% | 1,125 |
| Total domestic deposits to total assets | 78.3896% | 4,835 |
| Equity capital to assets | 10.9911% | 3,020 |
| Core capital (leverage) ratio | 10.4125% | 3,096 |
| Tier 1 risk-based capital ratio | 12.5750% | 4,431 |
| Total risk-based capital ratio | 13.8282% | 4,335 |
| Memoranda: | ||
| Average total assets | $325,409,000 | 2,034 |
| Average earning assets | $303,140,250 | 2,030 |
| Average equity | $34,690,250 | 2,102 |
| Average total loans | $264,781,750 | 1,709 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,216 |
| Cost of funding earning assets | 0.5473% | 1,718 |
| Net interest margin | 3.4596% | 3,643 |
| Noninterest income to average assets | 0.2693% | 4,858 |
| Noninterest expense to average assets | 2.4460% | 4,201 |
| Loan and lease loss provision to assets | 0.1840% | 1,183 |
| Net operating income to assets | 0.5950% | 4,297 |
| Return on assets (ROA) | 0.6098% | 4,354 |
| Pretax return on assets | 0.8834% | 4,014 |
| Return on Equity (ROE) | 5.7795% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.1922% | 3,237 |
| Net charge-offs to loans | 0.2647% | 910 |
| Credit loss provision to net charge-offs | 85.2273% | 2,314 |
| Earnings coverage of net charge-offs (x) | 4.8438% | 2,936 |
| Efficiency ratio | 70.0457% | 2,978 |
| Assets per employee ($millions) | 5.8010% | 1,545 |
| Cash dividends to net income (ytd only)* | 27.4648% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,653 |
| Loan loss allowance to noncurrent loans | 210.8216% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 1,256 |
| Noncurrent loans to loans | 0.5451% | 3,433 |
| Net loans and leases to total assets | 83.5636% | 456 |
| Net loans and leases to deposits | 110.1927% | 246 |
| Net loans and leases to core deposits | 114.9794% | 679 |
| Total domestic deposits to total assets | 75.8341% | 5,310 |
| Equity capital to assets | 10.7647% | 3,328 |
| Core capital (leverage) ratio | 10.1665% | 3,369 |
| Tier 1 risk-based capital ratio | 11.8608% | 4,932 |
| Total risk-based capital ratio | 13.1138% | 4,814 |
| Memoranda: | ||
| Average total assets | $326,006,330 | 2,036 |
| Average earning assets | $303,678,000 | 2,031 |
| Average equity | $34,397,330 | 2,125 |
| Average total loans | $265,989,330 | 1,691 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 3,649 |
| Cost of funding earning assets | 0.5269% | 1,893 |
| Net interest margin | 3.3556% | 4,024 |
| Noninterest income to average assets | 0.3209% | 4,435 |
| Noninterest expense to average assets | 2.4447% | 4,242 |
| Loan and lease loss provision to assets | 0.1837% | 1,088 |
| Net operating income to assets | 0.5687% | 4,324 |
| Return on assets (ROA) | 0.5940% | 4,317 |
| Pretax return on assets | 0.8574% | 4,015 |
| Return on Equity (ROE) | 5.6873% | 4,140 |
| Retained earnings to average equity (ytd only) | 2.4860% | 4,264 |
| Net charge-offs to loans | 0.2064% | 974 |
| Credit loss provision to net charge-offs | 111.1111% | 1,504 |
| Earnings coverage of net charge-offs (x) | 6.0741% | 2,270 |
| Efficiency ratio | 70.8807% | 2,969 |
| Assets per employee ($millions) | 5.7435% | 1,630 |
| Cash dividends to net income (ytd only)* | 56.2887% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,674 |
| Loan loss allowance to noncurrent loans | 173.6134% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5190% | 1,335 |
| Noncurrent loans to loans | 0.6729% | 3,156 |
| Net loans and leases to total assets | 83.3135% | 425 |
| Net loans and leases to deposits | 112.1021% | 181 |
| Net loans and leases to core deposits | 115.8154% | 601 |
| Total domestic deposits to total assets | 74.3193% | 5,587 |
| Equity capital to assets | 10.5074% | 3,485 |
| Core capital (leverage) ratio | 10.4324% | 3,034 |
| Tier 1 risk-based capital ratio | 12.2253% | 4,767 |
| Total risk-based capital ratio | 13.4794% | 4,669 |
| Memoranda: | ||
| Average total assets | $326,580,500 | 2,046 |
| Average earning assets | $304,447,500 | 2,031 |
| Average equity | $34,111,000 | 2,137 |
| Average total loans | $261,674,500 | 1,715 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8872% | 3,752 |
| Cost of funding earning assets | 0.5100% | 2,070 |
| Net interest margin | 3.3773% | 4,003 |
| Noninterest income to average assets | 0.2109% | 5,331 |
| Noninterest expense to average assets | 2.6466% | 3,766 |
| Loan and lease loss provision to assets | -0.2687% | 6,044 |
| Net operating income to assets | 0.6813% | 3,900 |
| Return on assets (ROA) | 0.7029% | 3,906 |
| Pretax return on assets | 1.0454% | 3,282 |
| Return on Equity (ROE) | 6.3303% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.1889% | 3,007 |
| Net charge-offs to loans | -0.1054% | 5,791 |
| Credit loss provision to net charge-offs | 350.8772% | 852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0452% | 1,959 |
| Assets per employee ($millions) | 5.7319% | 1,592 |
| Cash dividends to net income (ytd only)* | 33.8270% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,930 |
| Loan loss allowance to noncurrent loans | 125.7053% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.7495% | 1,091 |
| Noncurrent loans to loans | 1.0314% | 2,271 |
| Net loans and leases to total assets | 74.7489% | 1,608 |
| Net loans and leases to deposits | 102.6445% | 506 |
| Net loans and leases to core deposits | 105.9910% | 1,098 |
| Total domestic deposits to total assets | 72.8230% | 5,745 |
| Equity capital to assets | 10.3606% | 3,555 |
| Core capital (leverage) ratio | 9.9949% | 3,519 |
| Tier 1 risk-based capital ratio | 12.7509% | 4,477 |
| Total risk-based capital ratio | 14.0119% | 4,374 |
| Memoranda: | ||
| Average total assets | $297,783,200 | 2,159 |
| Average earning assets | $280,404,400 | 2,134 |
| Average equity | $33,063,200 | 2,145 |
| Average total loans | $216,391,000 | 1,950 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8684% | 3,858 |
| Cost of funding earning assets | 0.5080% | 2,144 |
| Net interest margin | 3.3605% | 4,103 |
| Noninterest income to average assets | 0.1973% | 5,463 |
| Noninterest expense to average assets | 2.6262% | 3,778 |
| Loan and lease loss provision to assets | 0.0826% | 2,520 |
| Net operating income to assets | 0.4487% | 4,975 |
| Return on assets (ROA) | 0.4786% | 4,963 |
| Pretax return on assets | 0.7081% | 4,656 |
| Return on Equity (ROE) | 4.2311% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.4279% | 4,032 |
| Net charge-offs to loans | -0.1182% | 5,848 |
| Credit loss provision to net charge-offs | -97.2973% | 5,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8639% | 1,962 |
| Assets per employee ($millions) | 5.2060% | 2,058 |
| Cash dividends to net income (ytd only)* | 18.9835% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 1,263 |
| Loan loss allowance to noncurrent loans | 178.3563% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.9808% | 1,042 |
| Noncurrent loans to loans | 1.0094% | 2,458 |
| Net loans and leases to total assets | 74.8774% | 1,571 |
| Net loans and leases to deposits | 96.0483% | 999 |
| Net loans and leases to core deposits | 98.1391% | 1,688 |
| Total domestic deposits to total assets | 77.9581% | 5,193 |
| Equity capital to assets | 11.1003% | 2,903 |
| Core capital (leverage) ratio | 10.7503% | 2,772 |
| Tier 1 risk-based capital ratio | 14.9651% | 3,310 |
| Total risk-based capital ratio | 16.2351% | 3,243 |
| Memoranda: | ||
| Average total assets | $290,549,500 | 2,221 |
| Average earning assets | $274,559,250 | 2,184 |
| Average equity | $32,866,500 | 2,170 |
| Average total loans | $208,632,250 | 2,013 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 3,900 |
| Cost of funding earning assets | 0.4908% | 2,341 |
| Net interest margin | 3.3538% | 4,090 |
| Noninterest income to average assets | 0.2071% | 5,444 |
| Noninterest expense to average assets | 2.6420% | 3,768 |
| Loan and lease loss provision to assets | 0.0837% | 2,443 |
| Net operating income to assets | 0.4392% | 5,009 |
| Return on assets (ROA) | 0.4840% | 4,939 |
| Pretax return on assets | 0.7226% | 4,590 |
| Return on Equity (ROE) | 4.2512% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.0383% | 4,110 |
| Net charge-offs to loans | 0.0765% | 2,297 |
| Credit loss provision to net charge-offs | 155.8442% | 1,502 |
| Earnings coverage of net charge-offs (x) | 13.7662% | 2,103 |
| Efficiency ratio | 78.1353% | 2,048 |
| Assets per employee ($millions) | 4.8037% | 2,537 |
| Cash dividends to net income (ytd only)* | 28.5303% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 1,317 |
| Loan loss allowance to noncurrent loans | 150.9672% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 2.1700% | 977 |
| Noncurrent loans to loans | 1.2114% | 2,229 |
| Net loans and leases to total assets | 72.4253% | 1,911 |
| Net loans and leases to deposits | 89.4007% | 1,672 |
| Net loans and leases to core deposits | 91.2902% | 2,213 |
| Total domestic deposits to total assets | 81.0120% | 4,616 |
| Equity capital to assets | 11.6080% | 2,323 |
| Core capital (leverage) ratio | 11.0939% | 2,329 |
| Tier 1 risk-based capital ratio | 16.6420% | 2,542 |
| Total risk-based capital ratio | 17.8986% | 2,492 |
| Memoranda: | ||
| Average total assets | $286,750,330 | 2,259 |
| Average earning assets | $271,397,000 | 2,223 |
| Average equity | $32,649,670 | 2,189 |
| Average total loans | $201,431,330 | 2,077 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 4,196 |
| Cost of funding earning assets | 0.4597% | 2,683 |
| Net interest margin | 3.2905% | 4,258 |
| Noninterest income to average assets | 0.1886% | 5,579 |
| Noninterest expense to average assets | 2.6087% | 3,892 |
| Loan and lease loss provision to assets | 0.0832% | 2,306 |
| Net operating income to assets | 0.4105% | 5,033 |
| Return on assets (ROA) | 0.4965% | 4,820 |
| Pretax return on assets | 0.7545% | 4,411 |
| Return on Equity (ROE) | 4.4028% | 4,803 |
| Retained earnings to average equity (ytd only) | 1.9677% | 4,691 |
| Net charge-offs to loans | -0.7085% | 6,287 |
| Credit loss provision to net charge-offs | -17.1429% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6700% | 2,089 |
| Assets per employee ($millions) | 4.8310% | 2,580 |
| Cash dividends to net income (ytd only)* | 55.3073% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9779% | 1,125 |
| Loan loss allowance to noncurrent loans | 95.3584% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.1745% | 1,060 |
| Noncurrent loans to loans | 2.0742% | 1,244 |
| Net loans and leases to total assets | 70.4820% | 2,074 |
| Net loans and leases to deposits | 91.1361% | 1,278 |
| Net loans and leases to core deposits | 92.9540% | 1,855 |
| Total domestic deposits to total assets | 77.3370% | 5,561 |
| Equity capital to assets | 11.1647% | 2,794 |
| Core capital (leverage) ratio | 11.1614% | 2,255 |
| Tier 1 risk-based capital ratio | 15.9765% | 2,936 |
| Total risk-based capital ratio | 17.2109% | 2,879 |
| Memoranda: | ||
| Average total assets | $288,417,500 | 2,259 |
| Average earning assets | $274,120,000 | 2,214 |
| Average equity | $32,525,000 | 2,206 |
| Average total loans | $197,602,500 | 2,107 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 3,526 |
| Cost of funding earning assets | 0.4340% | 3,344 |
| Net interest margin | 3.6151% | 3,357 |
| Noninterest income to average assets | 0.1035% | 6,143 |
| Noninterest expense to average assets | 3.0587% | 2,657 |
| Loan and lease loss provision to assets | -0.2093% | 6,300 |
| Net operating income to assets | 1.9950% | 331 |
| Return on assets (ROA) | 2.0483% | 307 |
| Pretax return on assets | 0.7951% | 4,278 |
| Return on Equity (ROE) | 18.9052% | 322 |
| Retained earnings to average equity (ytd only) | 18.0339% | 89 |
| Net charge-offs to loans | 0.0332% | 4,167 |
| Credit loss provision to net charge-offs | -1,019.2308% | 5,908 |
| Earnings coverage of net charge-offs (x) | 25.9231% | 1,484 |
| Efficiency ratio | 85.1738% | 1,263 |
| Assets per employee ($millions) | 4.6254% | 2,837 |
| Cash dividends to net income (ytd only)* | 4.6086% | 4,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 1,004 |
| Loan loss allowance to noncurrent loans | 106.5689% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.9706% | 1,305 |
| Noncurrent loans to loans | 1.9350% | 1,452 |
| Net loans and leases to total assets | 63.6307% | 3,272 |
| Net loans and leases to deposits | 81.9418% | 2,480 |
| Net loans and leases to core deposits | 83.7393% | 2,921 |
| Total domestic deposits to total assets | 77.6535% | 5,498 |
| Equity capital to assets | 11.3944% | 2,519 |
| Core capital (leverage) ratio | 11.6603% | 1,856 |
| Tier 1 risk-based capital ratio | 16.8447% | 2,579 |
| Total risk-based capital ratio | 18.1081% | 2,513 |
| Memoranda: | ||
| Average total assets | $253,182,600 | 2,495 |
| Average earning assets | $244,252,600 | 2,394 |
| Average equity | $27,431,600 | 2,453 |
| Average total loans | $156,847,400 | 2,472 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,469 |
| Cost of funding earning assets | 0.4361% | 3,403 |
| Net interest margin | 3.6411% | 3,263 |
| Noninterest income to average assets | 0.1312% | 6,115 |
| Noninterest expense to average assets | 3.1617% | 2,291 |
| Loan and lease loss provision to assets | -0.1247% | 6,316 |
| Net operating income to assets | 0.4065% | 5,224 |
| Return on assets (ROA) | 0.4369% | 5,196 |
| Pretax return on assets | 0.6619% | 4,832 |
| Return on Equity (ROE) | 4.0935% | 5,133 |
| Retained earnings to average equity (ytd only) | 2.8797% | 4,552 |
| Net charge-offs to loans | 0.3736% | 1,068 |
| Credit loss provision to net charge-offs | -54.6318% | 5,357 |
| Earnings coverage of net charge-offs (x) | 2.1520% | 3,981 |
| Efficiency ratio | 86.5539% | 1,130 |
| Assets per employee ($millions) | 4.3038% | 3,294 |
| Cash dividends to net income (ytd only)* | 29.6527% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4595% | 678 |
| Loan loss allowance to noncurrent loans | 83.7734% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.7633% | 897 |
| Noncurrent loans to loans | 2.9358% | 915 |
| Net loans and leases to total assets | 61.0822% | 3,615 |
| Net loans and leases to deposits | 70.7001% | 3,835 |
| Net loans and leases to core deposits | 71.8348% | 4,166 |
| Total domestic deposits to total assets | 86.3962% | 2,641 |
| Equity capital to assets | 11.0675% | 2,882 |
| Core capital (leverage) ratio | 11.6212% | 1,964 |
| Tier 1 risk-based capital ratio | 19.6137% | 1,757 |
| Total risk-based capital ratio | 20.8829% | 1,718 |
| Memoranda: | ||
| Average total assets | $245,941,500 | 2,575 |
| Average earning assets | $237,868,500 | 2,459 |
| Average equity | $26,252,250 | 2,554 |
| Average total loans | $150,231,250 | 2,571 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 3,291 |
| Cost of funding earning assets | 0.4410% | 3,430 |
| Net interest margin | 3.6716% | 3,060 |
| Noninterest income to average assets | 0.1801% | 5,866 |
| Noninterest expense to average assets | 3.1908% | 2,224 |
| Loan and lease loss provision to assets | 0.0485% | 3,338 |
| Net operating income to assets | 0.3247% | 5,480 |
| Return on assets (ROA) | 0.3700% | 5,396 |
| Pretax return on assets | 0.5606% | 5,095 |
| Return on Equity (ROE) | 3.5080% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.4434% | 4,656 |
| Net charge-offs to loans | 0.0653% | 3,061 |
| Credit loss provision to net charge-offs | 122.4490% | 1,697 |
| Earnings coverage of net charge-offs (x) | 13.6531% | 1,967 |
| Efficiency ratio | 85.5163% | 1,320 |
| Assets per employee ($millions) | 3.8998% | 4,060 |
| Cash dividends to net income (ytd only)* | 30.3493% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8176% | 463 |
| Loan loss allowance to noncurrent loans | 119.4103% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.4679% | 1,153 |
| Noncurrent loans to loans | 2.3596% | 1,356 |
| Net loans and leases to total assets | 62.3949% | 3,342 |
| Net loans and leases to deposits | 72.2927% | 3,538 |
| Net loans and leases to core deposits | 73.5434% | 3,886 |
| Total domestic deposits to total assets | 86.3087% | 2,873 |
| Equity capital to assets | 10.8818% | 2,999 |
| Core capital (leverage) ratio | 11.3083% | 2,151 |
| Tier 1 risk-based capital ratio | 19.0715% | 1,905 |
| Total risk-based capital ratio | 20.3455% | 1,861 |
| Memoranda: | ||
| Average total assets | $247,584,330 | 2,564 |
| Average earning assets | $239,460,330 | 2,451 |
| Average equity | $26,111,670 | 2,554 |
| Average total loans | $149,999,000 | 2,579 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 3,320 |
| Cost of funding earning assets | 0.4541% | 3,385 |
| Net interest margin | 3.6357% | 3,116 |
| Noninterest income to average assets | 0.1852% | 5,855 |
| Noninterest expense to average assets | 3.1364% | 2,419 |
| Loan and lease loss provision to assets | 0.0479% | 3,134 |
| Net operating income to assets | 0.3414% | 5,351 |
| Return on assets (ROA) | 0.3625% | 5,331 |
| Pretax return on assets | 0.5493% | 5,007 |
| Return on Equity (ROE) | 3.4907% | 5,277 |
| Retained earnings to average equity (ytd only) | 1.3532% | 5,071 |
| Net charge-offs to loans | 0.1520% | 1,812 |
| Credit loss provision to net charge-offs | 53.5714% | 2,167 |
| Earnings coverage of net charge-offs (x) | 6.3214% | 2,232 |
| Efficiency ratio | 84.7282% | 1,589 |
| Assets per employee ($millions) | 4.1147% | 3,694 |
| Cash dividends to net income (ytd only)* | 61.2335% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7608% | 576 |
| Loan loss allowance to noncurrent loans | 114.4365% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 2.3825% | 1,363 |
| Noncurrent loans to loans | 2.4125% | 1,452 |
| Net loans and leases to total assets | 59.8645% | 3,583 |
| Net loans and leases to deposits | 71.2750% | 3,435 |
| Net loans and leases to core deposits | 72.4741% | 3,824 |
| Total domestic deposits to total assets | 83.9909% | 4,280 |
| Equity capital to assets | 10.2716% | 3,513 |
| Core capital (leverage) ratio | 10.8178% | 2,577 |
| Tier 1 risk-based capital ratio | 18.6383% | 2,078 |
| Total risk-based capital ratio | 19.9115% | 2,032 |
| Memoranda: | ||
| Average total assets | $250,482,000 | 2,550 |
| Average earning assets | $242,264,000 | 2,418 |
| Average equity | $26,012,000 | 2,547 |
| Average total loans | $147,379,500 | 2,624 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 4,795 |
| Cost of funding earning assets | 0.5614% | 3,005 |
| Net interest margin | 3.2458% | 4,848 |
| Noninterest income to average assets | 0.4184% | 4,311 |
| Noninterest expense to average assets | 3.0636% | 2,852 |
| Loan and lease loss provision to assets | 0.0097% | 4,930 |
| Net operating income to assets | 0.3243% | 5,438 |
| Return on assets (ROA) | 0.3259% | 5,539 |
| Pretax return on assets | 0.4756% | 5,274 |
| Return on Equity (ROE) | 3.1446% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.1446% | 4,000 |
| Net charge-offs to loans | 0.5948% | 1,111 |
| Credit loss provision to net charge-offs | 3.2216% | 4,671 |
| Earnings coverage of net charge-offs (x) | 1.6082% | 4,521 |
| Efficiency ratio | 86.3815% | 1,380 |
| Assets per employee ($millions) | 4.0304% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1684% | 385 |
| Loan loss allowance to noncurrent loans | 99.8170% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 2.7659% | 1,197 |
| Noncurrent loans to loans | 3.1742% | 1,071 |
| Net loans and leases to total assets | 54.2353% | 4,555 |
| Net loans and leases to deposits | 60.7899% | 4,861 |
| Net loans and leases to core deposits | 61.9438% | 5,063 |
| Total domestic deposits to total assets | 89.2175% | 1,477 |
| Equity capital to assets | 10.5022% | 3,157 |
| Core capital (leverage) ratio | 11.0820% | 2,313 |
| Tier 1 risk-based capital ratio | 21.4915% | 1,342 |
| Total risk-based capital ratio | 22.7705% | 1,316 |
| Memoranda: | ||
| Average total assets | $258,390,800 | 2,447 |
| Average earning assets | $249,028,400 | 2,338 |
| Average equity | $26,776,400 | 2,482 |
| Average total loans | $130,456,800 | 2,858 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 5,031 |
| Cost of funding earning assets | 0.5745% | 3,052 |
| Net interest margin | 3.1770% | 5,066 |
| Noninterest income to average assets | 0.3553% | 4,851 |
| Noninterest expense to average assets | 3.0263% | 2,896 |
| Loan and lease loss provision to assets | 0.0127% | 4,744 |
| Net operating income to assets | 0.3752% | 5,355 |
| Return on assets (ROA) | 0.3752% | 5,488 |
| Pretax return on assets | 0.3752% | 5,693 |
| Return on Equity (ROE) | 3.6324% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.6324% | 4,109 |
| Net charge-offs to loans | 0.7462% | 801 |
| Credit loss provision to net charge-offs | 3.4722% | 4,298 |
| Earnings coverage of net charge-offs (x) | 1.0569% | 4,494 |
| Efficiency ratio | 88.6367% | 1,116 |
| Assets per employee ($millions) | 3.7659% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3507% | 390 |
| Loan loss allowance to noncurrent loans | 97.6143% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 2.7351% | 1,373 |
| Noncurrent loans to loans | 3.4326% | 1,123 |
| Net loans and leases to total assets | 50.5166% | 5,076 |
| Net loans and leases to deposits | 56.3789% | 5,339 |
| Net loans and leases to core deposits | 57.4096% | 5,497 |
| Total domestic deposits to total assets | 89.6020% | 1,222 |
| Equity capital to assets | 10.1606% | 3,688 |
| Core capital (leverage) ratio | 10.9088% | 2,565 |
| Tier 1 risk-based capital ratio | 22.2529% | 1,271 |
| Total risk-based capital ratio | 23.5347% | 1,240 |
| Memoranda: | ||
| Average total assets | $261,525,250 | 2,440 |
| Average earning assets | $251,800,000 | 2,324 |
| Average equity | $27,015,500 | 2,482 |
| Average total loans | $128,645,500 | 2,904 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 4,969 |
| Cost of funding earning assets | 0.5891% | 3,044 |
| Net interest margin | 3.1679% | 5,055 |
| Noninterest income to average assets | 0.4172% | 4,396 |
| Noninterest expense to average assets | 3.0356% | 2,890 |
| Loan and lease loss provision to assets | 0.0189% | 4,519 |
| Net operating income to assets | 0.4074% | 5,186 |
| Return on assets (ROA) | 0.4074% | 5,354 |
| Pretax return on assets | 0.4074% | 5,625 |
| Return on Equity (ROE) | 3.9236% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.9236% | 3,795 |
| Net charge-offs to loans | 0.8482% | 733 |
| Credit loss provision to net charge-offs | 4.6211% | 3,960 |
| Earnings coverage of net charge-offs (x) | 1.0425% | 4,187 |
| Efficiency ratio | 87.6856% | 1,253 |
| Assets per employee ($millions) | 3.6375% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5739% | 349 |
| Loan loss allowance to noncurrent loans | 106.8557% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 2.7098% | 1,542 |
| Noncurrent loans to loans | 3.3446% | 1,297 |
| Net loans and leases to total assets | 48.7209% | 5,257 |
| Net loans and leases to deposits | 54.3742% | 5,496 |
| Net loans and leases to core deposits | 55.2792% | 5,656 |
| Total domestic deposits to total assets | 89.6029% | 1,266 |
| Equity capital to assets | 10.1768% | 3,691 |
| Core capital (leverage) ratio | 10.5474% | 2,821 |
| Tier 1 risk-based capital ratio | 22.8975% | 1,152 |
| Total risk-based capital ratio | 24.1831% | 1,131 |
| Memoranda: | ||
| Average total assets | $264,594,670 | 2,414 |
| Average earning assets | $254,299,670 | 2,312 |
| Average equity | $27,475,000 | 2,456 |
| Average total loans | $127,567,000 | 2,928 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 5,098 |
| Cost of funding earning assets | 0.6211% | 2,912 |
| Net interest margin | 3.0979% | 5,268 |
| Noninterest income to average assets | 0.8725% | 1,858 |
| Noninterest expense to average assets | 2.9839% | 3,038 |
| Loan and lease loss provision to assets | 0.0371% | 3,976 |
| Net operating income to assets | 0.8191% | 3,052 |
| Return on assets (ROA) | 0.8191% | 3,194 |
| Pretax return on assets | 0.8191% | 4,093 |
| Return on Equity (ROE) | 7.8143% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.8143% | 1,819 |
| Net charge-offs to loans | 2.0154% | 232 |
| Credit loss provision to net charge-offs | 3.9063% | 3,202 |
| Earnings coverage of net charge-offs (x) | 0.9016% | 3,535 |
| Efficiency ratio | 77.7048% | 2,658 |
| Assets per employee ($millions) | 3.7306% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5854% | 391 |
| Loan loss allowance to noncurrent loans | 86.1851% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 3.7320% | 1,109 |
| Noncurrent loans to loans | 4.1601% | 1,062 |
| Net loans and leases to total assets | 45.6653% | 5,471 |
| Net loans and leases to deposits | 51.1959% | 5,693 |
| Net loans and leases to core deposits | 52.0093% | 5,822 |
| Total domestic deposits to total assets | 89.1971% | 1,562 |
| Equity capital to assets | 10.7485% | 3,265 |
| Core capital (leverage) ratio | 10.2388% | 3,095 |
| Tier 1 risk-based capital ratio | 22.5296% | 1,232 |
| Total risk-based capital ratio | 23.8093% | 1,212 |
| Memoranda: | ||
| Average total assets | $269,578,000 | 2,398 |
| Average earning assets | $258,236,500 | 2,300 |
| Average equity | $28,256,000 | 2,425 |
| Average total loans | $127,023,000 | 2,948 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 3,126 |
| Cost of funding earning assets | 0.8796% | 2,071 |
| Net interest margin | 3.6900% | 3,689 |
| Noninterest income to average assets | 0.0935% | 6,532 |
| Noninterest expense to average assets | 2.8359% | 3,891 |
| Loan and lease loss provision to assets | 0.0981% | 4,418 |
| Net operating income to assets | 0.7654% | 3,438 |
| Return on assets (ROA) | 1.0627% | 2,266 |
| Pretax return on assets | 0.9553% | 3,723 |
| Return on Equity (ROE) | 11.3093% | 1,710 |
| Retained earnings to average equity (ytd only) | 11.3093% | 407 |
| Net charge-offs to loans | 0.7703% | 1,518 |
| Credit loss provision to net charge-offs | 24.6416% | 5,208 |
| Earnings coverage of net charge-offs (x) | 1.8987% | 4,471 |
| Efficiency ratio | 78.9489% | 2,281 |
| Assets per employee ($millions) | 3.9183% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9769% | 291 |
| Loan loss allowance to noncurrent loans | 85.6903% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 4.2463% | 996 |
| Noncurrent loans to loans | 4.6410% | 906 |
| Net loans and leases to total assets | 45.0188% | 5,727 |
| Net loans and leases to deposits | 50.2574% | 5,935 |
| Net loans and leases to core deposits | 51.1998% | 6,075 |
| Total domestic deposits to total assets | 89.5765% | 1,206 |
| Equity capital to assets | 10.2237% | 3,862 |
| Core capital (leverage) ratio | 9.7797% | 3,686 |
| Tier 1 risk-based capital ratio | 21.5129% | 1,358 |
| Total risk-based capital ratio | 22.7999% | 1,322 |
| Memoranda: | ||
| Average total assets | $280,232,600 | 2,266 |
| Average earning assets | $265,693,600 | 2,193 |
| Average equity | $26,332,400 | 2,540 |
| Average total loans | $144,872,800 | 2,651 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6492% | 3,017 |
| Cost of funding earning assets | 0.9224% | 2,030 |
| Net interest margin | 3.7268% | 3,671 |
| Noninterest income to average assets | 0.0251% | 6,881 |
| Noninterest expense to average assets | 2.8557% | 3,769 |
| Loan and lease loss provision to assets | 0.0947% | 4,400 |
| Net operating income to assets | 0.6006% | 4,390 |
| Return on assets (ROA) | 0.9948% | 2,761 |
| Pretax return on assets | 0.9948% | 3,736 |
| Return on Equity (ROE) | 10.8188% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.8188% | 715 |
| Net charge-offs to loans | 0.4189% | 2,415 |
| Credit loss provision to net charge-offs | 42.7350% | 4,557 |
| Earnings coverage of net charge-offs (x) | 3.1389% | 3,772 |
| Efficiency ratio | 80.4212% | 2,031 |
| Assets per employee ($millions) | 4.0276% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2250% | 256 |
| Loan loss allowance to noncurrent loans | 92.9400% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 4.2965% | 1,091 |
| Noncurrent loans to loans | 4.5459% | 1,034 |
| Net loans and leases to total assets | 46.3899% | 5,724 |
| Net loans and leases to deposits | 51.5662% | 6,003 |
| Net loans and leases to core deposits | 52.5732% | 6,143 |
| Total domestic deposits to total assets | 89.9619% | 868 |
| Equity capital to assets | 9.8661% | 4,686 |
| Core capital (leverage) ratio | 9.4736% | 4,310 |
| Tier 1 risk-based capital ratio | 20.1220% | 1,724 |
| Total risk-based capital ratio | 21.4101% | 1,686 |
| Memoranda: | ||
| Average total assets | $281,720,000 | 2,286 |
| Average earning assets | $266,534,000 | 2,213 |
| Average equity | $25,905,000 | 2,601 |
| Average total loans | $148,942,750 | 2,619 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 2,054 |
| Cost of funding earning assets | 0.9772% | 1,895 |
| Net interest margin | 3.9359% | 2,762 |
| Noninterest income to average assets | -0.1011% | 7,093 |
| Noninterest expense to average assets | 2.7640% | 4,161 |
| Loan and lease loss provision to assets | 0.0883% | 4,473 |
| Net operating income to assets | 0.7611% | 3,550 |
| Return on assets (ROA) | 1.1527% | 2,083 |
| Pretax return on assets | 1.1527% | 3,110 |
| Return on Equity (ROE) | 12.8422% | 1,407 |
| Retained earnings to average equity (ytd only) | 12.8422% | 456 |
| Net charge-offs to loans | 0.6596% | 1,673 |
| Credit loss provision to net charge-offs | 24.6548% | 4,536 |
| Earnings coverage of net charge-offs (x) | 2.3708% | 3,817 |
| Efficiency ratio | 76.4913% | 2,669 |
| Assets per employee ($millions) | 4.0149% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8651% | 376 |
| Loan loss allowance to noncurrent loans | 83.6661% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 4.5317% | 1,095 |
| Noncurrent loans to loans | 4.6197% | 1,131 |
| Net loans and leases to total assets | 50.0365% | 5,348 |
| Net loans and leases to deposits | 55.3873% | 5,719 |
| Net loans and leases to core deposits | 56.4672% | 5,904 |
| Total domestic deposits to total assets | 90.3392% | 742 |
| Equity capital to assets | 9.5539% | 4,979 |
| Core capital (leverage) ratio | 9.1349% | 4,713 |
| Tier 1 risk-based capital ratio | 19.2101% | 1,912 |
| Total risk-based capital ratio | 20.4881% | 1,879 |
| Memoranda: | ||
| Average total assets | $282,993,000 | 2,280 |
| Average earning assets | $267,082,330 | 2,209 |
| Average equity | $25,400,670 | 2,623 |
| Average total loans | $153,722,000 | 2,557 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 5,141 |
| Cost of funding earning assets | 1.0331% | 1,789 |
| Net interest margin | 3.1571% | 5,889 |
| Noninterest income to average assets | 0.3637% | 4,965 |
| Noninterest expense to average assets | 2.7247% | 4,332 |
| Loan and lease loss provision to assets | 0.0699% | 4,532 |
| Net operating income to assets | 0.5525% | 4,579 |
| Return on assets (ROA) | 0.5525% | 4,795 |
| Pretax return on assets | 0.5525% | 5,270 |
| Return on Equity (ROE) | 6.3537% | 4,115 |
| Retained earnings to average equity (ytd only) | 6.3537% | 2,770 |
| Net charge-offs to loans | 0.1565% | 3,155 |
| Credit loss provision to net charge-offs | 80.6452% | 2,713 |
| Earnings coverage of net charge-offs (x) | 7.1774% | 2,104 |
| Efficiency ratio | 81.4041% | 2,020 |
| Assets per employee ($millions) | 4.1465% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8554% | 414 |
| Loan loss allowance to noncurrent loans | 39.6042% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 6.9639% | 623 |
| Noncurrent loans to loans | 9.7347% | 322 |
| Net loans and leases to total assets | 51.8011% | 5,049 |
| Net loans and leases to deposits | 56.8632% | 5,504 |
| Net loans and leases to core deposits | 58.2422% | 5,692 |
| Total domestic deposits to total assets | 91.0977% | 511 |
| Equity capital to assets | 8.7838% | 5,763 |
| Core capital (leverage) ratio | 8.6026% | 5,439 |
| Tier 1 risk-based capital ratio | 17.4934% | 2,479 |
| Total risk-based capital ratio | 18.7795% | 2,435 |
| Memoranda: | ||
| Average total assets | $285,975,500 | 2,279 |
| Average earning assets | $270,251,000 | 2,199 |
| Average equity | $24,867,500 | 2,674 |
| Average total loans | $158,489,000 | 2,502 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 6,184 |
| Cost of funding earning assets | 1.4729% | 796 |
| Net interest margin | 2.6772% | 6,943 |
| Noninterest income to average assets | -0.4799% | 7,257 |
| Noninterest expense to average assets | 2.6095% | 5,057 |
| Loan and lease loss provision to assets | 1.3132% | 616 |
| Net operating income to assets | -3.0593% | 7,180 |
| Return on assets (ROA) | -2.8054% | 7,160 |
| Pretax return on assets | -1.6375% | 6,929 |
| Return on Equity (ROE) | -29.3581% | 7,087 |
| Retained earnings to average equity (ytd only) | -29.3581% | 7,080 |
| Net charge-offs to loans | 5.3000% | 67 |
| Credit loss provision to net charge-offs | 42.5733% | 5,581 |
| Earnings coverage of net charge-offs (x) | -0.1874% | 5,949 |
| Efficiency ratio | 128.4597% | 241 |
| Assets per employee ($millions) | 4.3310% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6572% | 481 |
| Loan loss allowance to noncurrent loans | 36.3909% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 7.8172% | 533 |
| Noncurrent loans to loans | 10.0498% | 315 |
| Net loans and leases to total assets | 54.8808% | 4,898 |
| Net loans and leases to deposits | 60.1568% | 5,465 |
| Net loans and leases to core deposits | 61.4715% | 5,710 |
| Total domestic deposits to total assets | 91.2295% | 418 |
| Equity capital to assets | 8.6075% | 6,007 |
| Core capital (leverage) ratio | 8.1616% | 6,054 |
| Tier 1 risk-based capital ratio | 16.1597% | 2,973 |
| Total risk-based capital ratio | 17.4467% | 2,923 |
| Memoranda: | ||
| Average total assets | $308,405,800 | 2,074 |
| Average earning assets | $289,292,400 | 2,029 |
| Average equity | $29,470,600 | 2,229 |
| Average total loans | $179,489,600 | 2,255 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 6,159 |
| Cost of funding earning assets | 1.5441% | 733 |
| Net interest margin | 2.6758% | 7,009 |
| Noninterest income to average assets | -0.3677% | 7,320 |
| Noninterest expense to average assets | 2.5622% | 5,225 |
| Loan and lease loss provision to assets | 1.5072% | 458 |
| Net operating income to assets | -1.2740% | 6,980 |
| Return on assets (ROA) | -1.0546% | 6,935 |
| Pretax return on assets | -1.5980% | 7,038 |
| Return on Equity (ROE) | -10.7925% | 6,914 |
| Retained earnings to average equity (ytd only) | -10.7925% | 6,881 |
| Net charge-offs to loans | 5.4543% | 75 |
| Credit loss provision to net charge-offs | 47.2514% | 5,094 |
| Earnings coverage of net charge-offs (x) | -0.1327% | 5,685 |
| Efficiency ratio | 119.7896% | 308 |
| Assets per employee ($millions) | 4.2784% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4110% | 281 |
| Loan loss allowance to noncurrent loans | 39.8386% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 8.3982% | 504 |
| Noncurrent loans to loans | 11.0721% | 285 |
| Net loans and leases to total assets | 52.4458% | 5,393 |
| Net loans and leases to deposits | 60.6267% | 5,562 |
| Net loans and leases to core deposits | 61.9118% | 5,819 |
| Total domestic deposits to total assets | 86.5061% | 2,927 |
| Equity capital to assets | 9.9954% | 4,349 |
| Core capital (leverage) ratio | 8.5854% | 5,580 |
| Tier 1 risk-based capital ratio | 15.9597% | 3,141 |
| Total risk-based capital ratio | 17.2521% | 3,079 |
| Memoranda: | ||
| Average total assets | $314,046,000 | 2,050 |
| Average earning assets | $294,184,750 | 1,996 |
| Average equity | $30,687,250 | 2,156 |
| Average total loans | $183,654,750 | 2,212 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 5,230 |
| Cost of funding earning assets | 1.6000% | 694 |
| Net interest margin | 2.9376% | 6,723 |
| Noninterest income to average assets | -0.6708% | 7,442 |
| Noninterest expense to average assets | 2.5964% | 5,203 |
| Loan and lease loss provision to assets | 2.1516% | 272 |
| Net operating income to assets | -1.7609% | 7,153 |
| Return on assets (ROA) | -1.6573% | 7,144 |
| Pretax return on assets | -2.5116% | 7,249 |
| Return on Equity (ROE) | -17.0881% | 7,113 |
| Retained earnings to average equity (ytd only) | -17.0881% | 7,094 |
| Net charge-offs to loans | 4.7206% | 148 |
| Credit loss provision to net charge-offs | 76.4045% | 3,875 |
| Earnings coverage of net charge-offs (x) | -0.1836% | 5,397 |
| Efficiency ratio | 124.8631% | 299 |
| Assets per employee ($millions) | 4.1570% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7411% | 115 |
| Loan loss allowance to noncurrent loans | 55.1842% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 8.2679% | 540 |
| Noncurrent loans to loans | 10.4034% | 363 |
| Net loans and leases to total assets | 54.5995% | 5,208 |
| Net loans and leases to deposits | 63.2923% | 5,366 |
| Net loans and leases to core deposits | 64.8878% | 5,620 |
| Total domestic deposits to total assets | 86.2656% | 3,174 |
| Equity capital to assets | 9.8203% | 4,369 |
| Core capital (leverage) ratio | 8.1843% | 6,057 |
| Tier 1 risk-based capital ratio | 14.4715% | 3,808 |
| Total risk-based capital ratio | 15.7800% | 3,742 |
| Memoranda: | ||
| Average total assets | $316,047,330 | 2,041 |
| Average earning assets | $295,883,670 | 2,000 |
| Average equity | $30,653,000 | 2,147 |
| Average total loans | $188,536,330 | 2,188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 5,703 |
| Cost of funding earning assets | 1.6413% | 698 |
| Net interest margin | 2.7578% | 6,964 |
| Noninterest income to average assets | -0.3671% | 7,473 |
| Noninterest expense to average assets | 2.6035% | 5,208 |
| Loan and lease loss provision to assets | 0.3771% | 2,301 |
| Net operating income to assets | -0.5041% | 6,809 |
| Return on assets (ROA) | -0.5041% | 6,812 |
| Pretax return on assets | -0.7643% | 6,897 |
| Return on Equity (ROE) | -5.2297% | 6,822 |
| Retained earnings to average equity (ytd only) | -5.2297% | 6,537 |
| Net charge-offs to loans | 9.6682% | 40 |
| Credit loss provision to net charge-offs | 6.4475% | 4,416 |
| Earnings coverage of net charge-offs (x) | -0.0662% | 4,627 |
| Efficiency ratio | 117.4702% | 374 |
| Assets per employee ($millions) | 4.1890% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7905% | 493 |
| Loan loss allowance to noncurrent loans | 27.4316% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 10.5320% | 369 |
| Noncurrent loans to loans | 13.8179% | 188 |
| Net loans and leases to total assets | 56.3269% | 4,940 |
| Net loans and leases to deposits | 64.9995% | 5,132 |
| Net loans and leases to core deposits | 66.6473% | 5,449 |
| Total domestic deposits to total assets | 86.6574% | 3,145 |
| Equity capital to assets | 9.5891% | 4,326 |
| Core capital (leverage) ratio | 8.9193% | 4,738 |
| Tier 1 risk-based capital ratio | 15.1925% | 3,325 |
| Total risk-based capital ratio | 16.4736% | 3,262 |
| Memoranda: | ||
| Average total assets | $318,185,000 | 2,050 |
| Average earning assets | $298,062,000 | 2,003 |
| Average equity | $30,671,000 | 2,135 |
| Average total loans | $192,507,500 | 2,180 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 4,764 |
| Cost of funding earning assets | 1.8421% | 1,019 |
| Net interest margin | 3.1128% | 6,491 |
| Noninterest income to average assets | 0.2303% | 6,154 |
| Noninterest expense to average assets | 2.5540% | 5,605 |
| Loan and lease loss provision to assets | 2.6205% | 413 |
| Net operating income to assets | -1.3630% | 6,858 |
| Return on assets (ROA) | -1.1816% | 6,801 |
| Pretax return on assets | -1.7251% | 6,935 |
| Return on Equity (ROE) | -10.6447% | 6,755 |
| Retained earnings to average equity (ytd only) | -10.6447% | 6,696 |
| Net charge-offs to loans | 1.0656% | 2,079 |
| Credit loss provision to net charge-offs | 365.9041% | 698 |
| Earnings coverage of net charge-offs (x) | 0.8777% | 5,250 |
| Efficiency ratio | 80.2495% | 2,381 |
| Assets per employee ($millions) | 4.2401% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7485% | 120 |
| Loan loss allowance to noncurrent loans | 52.5449% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 8.7460% | 528 |
| Noncurrent loans to loans | 10.9402% | 358 |
| Net loans and leases to total assets | 58.8691% | 4,880 |
| Net loans and leases to deposits | 67.9918% | 5,106 |
| Net loans and leases to core deposits | 69.5915% | 5,483 |
| Total domestic deposits to total assets | 86.5827% | 3,040 |
| Equity capital to assets | 9.6897% | 4,152 |
| Core capital (leverage) ratio | 9.0045% | 4,546 |
| Tier 1 risk-based capital ratio | 15.2549% | 3,126 |
| Total risk-based capital ratio | 16.5634% | 3,048 |
| Memoranda: | ||
| Average total assets | $317,378,800 | 2,049 |
| Average earning assets | $301,016,400 | 1,969 |
| Average equity | $35,228,800 | 1,882 |
| Average total loans | $213,305,600 | 2,032 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 4,139 |
| Cost of funding earning assets | 1.8728% | 1,127 |
| Net interest margin | 3.2641% | 6,129 |
| Noninterest income to average assets | 0.2022% | 6,450 |
| Noninterest expense to average assets | 2.5218% | 5,630 |
| Loan and lease loss provision to assets | 0.6586% | 2,320 |
| Net operating income to assets | 0.0827% | 5,812 |
| Return on assets (ROA) | 0.2522% | 5,501 |
| Pretax return on assets | 0.3816% | 5,275 |
| Return on Equity (ROE) | 2.2018% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.2018% | 4,850 |
| Net charge-offs to loans | 1.0723% | 1,892 |
| Credit loss provision to net charge-offs | 89.7994% | 4,774 |
| Earnings coverage of net charge-offs (x) | 1.0682% | 4,988 |
| Efficiency ratio | 76.2970% | 2,889 |
| Assets per employee ($millions) | 4.0987% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5515% | 1,267 |
| Loan loss allowance to noncurrent loans | 29.7520% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 6.8390% | 803 |
| Noncurrent loans to loans | 8.5760% | 576 |
| Net loans and leases to total assets | 62.0620% | 4,522 |
| Net loans and leases to deposits | 73.1605% | 4,658 |
| Net loans and leases to core deposits | 74.7489% | 5,202 |
| Total domestic deposits to total assets | 84.8299% | 3,707 |
| Equity capital to assets | 11.4575% | 2,565 |
| Core capital (leverage) ratio | 11.4167% | 1,995 |
| Tier 1 risk-based capital ratio | 18.4027% | 1,898 |
| Total risk-based capital ratio | 19.6669% | 1,858 |
| Memoranda: | ||
| Average total assets | $317,221,750 | 2,083 |
| Average earning assets | $301,579,250 | 2,003 |
| Average equity | $36,332,500 | 1,841 |
| Average total loans | $216,975,500 | 2,022 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 3,188 |
| Cost of funding earning assets | 1.9168% | 1,178 |
| Net interest margin | 3.4389% | 5,484 |
| Noninterest income to average assets | 0.1738% | 6,664 |
| Noninterest expense to average assets | 2.5948% | 5,347 |
| Loan and lease loss provision to assets | 0.3584% | 3,558 |
| Net operating income to assets | 0.3207% | 5,102 |
| Return on assets (ROA) | 0.3603% | 5,086 |
| Pretax return on assets | 0.5468% | 4,750 |
| Return on Equity (ROE) | 3.1462% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.1462% | 4,110 |
| Net charge-offs to loans | 0.7235% | 2,411 |
| Credit loss provision to net charge-offs | 70.7865% | 4,950 |
| Earnings coverage of net charge-offs (x) | 1.6692% | 4,257 |
| Efficiency ratio | 75.4318% | 3,174 |
| Assets per employee ($millions) | 4.2083% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4298% | 1,398 |
| Loan loss allowance to noncurrent loans | 69.0912% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 3.8964% | 1,778 |
| Noncurrent loans to loans | 3.5169% | 2,246 |
| Net loans and leases to total assets | 65.3811% | 3,969 |
| Net loans and leases to deposits | 77.2355% | 4,125 |
| Net loans and leases to core deposits | 79.0013% | 4,803 |
| Total domestic deposits to total assets | 84.6516% | 3,791 |
| Equity capital to assets | 11.6630% | 2,309 |
| Core capital (leverage) ratio | 11.5026% | 1,916 |
| Tier 1 risk-based capital ratio | 17.9573% | 1,971 |
| Total risk-based capital ratio | 19.2201% | 1,936 |
| Memoranda: | ||
| Average total assets | $316,397,330 | 2,105 |
| Average earning assets | $300,500,330 | 2,025 |
| Average equity | $36,233,670 | 1,841 |
| Average total loans | $221,432,670 | 2,011 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 2,941 |
| Cost of funding earning assets | 1.9803% | 1,156 |
| Net interest margin | 3.4395% | 5,430 |
| Noninterest income to average assets | 0.1957% | 6,560 |
| Noninterest expense to average assets | 2.5809% | 5,428 |
| Loan and lease loss provision to assets | 0.1793% | 4,732 |
| Net operating income to assets | 0.4639% | 4,554 |
| Return on assets (ROA) | 0.4306% | 4,843 |
| Pretax return on assets | 0.6528% | 4,397 |
| Return on Equity (ROE) | 3.7947% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.7947% | 3,865 |
| Net charge-offs to loans | 0.8074% | 1,925 |
| Credit loss provision to net charge-offs | 31.0722% | 4,795 |
| Earnings coverage of net charge-offs (x) | 1.5295% | 3,815 |
| Efficiency ratio | 74.5170% | 3,485 |
| Assets per employee ($millions) | 4.2080% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2818% | 1,606 |
| Loan loss allowance to noncurrent loans | 108.3084% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 3.4836% | 2,022 |
| Noncurrent loans to loans | 2.1068% | 3,649 |
| Net loans and leases to total assets | 68.6350% | 3,244 |
| Net loans and leases to deposits | 80.8814% | 3,480 |
| Net loans and leases to core deposits | 82.6286% | 4,400 |
| Total domestic deposits to total assets | 84.8589% | 3,742 |
| Equity capital to assets | 11.4174% | 2,428 |
| Core capital (leverage) ratio | 11.4392% | 1,950 |
| Tier 1 risk-based capital ratio | 17.2493% | 2,175 |
| Total risk-based capital ratio | 18.5136% | 2,124 |
| Memoranda: | ||
| Average total assets | $316,785,000 | 2,147 |
| Average earning assets | $300,971,500 | 2,071 |
| Average equity | $35,945,000 | 1,871 |
| Average total loans | $226,401,000 | 2,023 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7371% | 2,922 |
| Cost of funding earning assets | 2.4123% | 1,259 |
| Net interest margin | 3.3248% | 5,641 |
| Noninterest income to average assets | 0.3401% | 5,653 |
| Noninterest expense to average assets | 2.5391% | 5,988 |
| Loan and lease loss provision to assets | 1.5924% | 1,439 |
| Net operating income to assets | -0.3318% | 6,010 |
| Return on assets (ROA) | -0.1406% | 5,738 |
| Pretax return on assets | -0.2893% | 5,822 |
| Return on Equity (ROE) | -1.2099% | 5,723 |
| Retained earnings to average equity (ytd only) | -1.8499% | 5,482 |
| Net charge-offs to loans | 0.8829% | 2,627 |
| Credit loss provision to net charge-offs | 240.0662% | 1,494 |
| Earnings coverage of net charge-offs (x) | 1.5142% | 4,613 |
| Efficiency ratio | 71.6550% | 4,324 |
| Assets per employee ($millions) | 4.2396% | 3,359 |
| Cash dividends to net income (ytd only)* | -52.9018% | 7,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3251% | 1,440 |
| Loan loss allowance to noncurrent loans | 60.3007% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 4.1327% | 1,584 |
| Noncurrent loans to loans | 3.8558% | 1,930 |
| Net loans and leases to total assets | 70.9997% | 3,001 |
| Net loans and leases to deposits | 83.4396% | 3,368 |
| Net loans and leases to core deposits | 103.0026% | 3,687 |
| Total domestic deposits to total assets | 85.0912% | 3,507 |
| Equity capital to assets | 11.2767% | 2,477 |
| Core capital (leverage) ratio | 11.1243% | 2,154 |
| Tier 1 risk-based capital ratio | 16.6181% | 2,268 |
| Total risk-based capital ratio | 17.8835% | 2,220 |
| Memoranda: | ||
| Average total assets | $318,692,200 | 2,117 |
| Average earning assets | $307,054,200 | 2,029 |
| Average equity | $37,028,600 | 1,817 |
| Average total loans | $239,443,200 | 1,956 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8217% | 2,789 |
| Cost of funding earning assets | 2.4823% | 1,360 |
| Net interest margin | 3.3394% | 5,496 |
| Noninterest income to average assets | 0.3203% | 5,917 |
| Noninterest expense to average assets | 2.4933% | 6,090 |
| Loan and lease loss provision to assets | 0.7004% | 2,632 |
| Net operating income to assets | 0.2351% | 5,040 |
| Return on assets (ROA) | 0.3935% | 4,524 |
| Pretax return on assets | 0.5921% | 4,205 |
| Return on Equity (ROE) | 3.3617% | 4,638 |
| Retained earnings to average equity (ytd only) | 2.5150% | 3,919 |
| Net charge-offs to loans | 0.8595% | 2,247 |
| Credit loss provision to net charge-offs | 107.5787% | 4,721 |
| Earnings coverage of net charge-offs (x) | 1.6166% | 4,586 |
| Efficiency ratio | 70.3184% | 4,529 |
| Assets per employee ($millions) | 4.2429% | 3,300 |
| Cash dividends to net income (ytd only)* | 25.1857% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,860 |
| Loan loss allowance to noncurrent loans | 29.9196% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 3.4866% | 1,912 |
| Noncurrent loans to loans | 3.5975% | 2,070 |
| Net loans and leases to total assets | 72.1079% | 3,011 |
| Net loans and leases to deposits | 85.3240% | 3,446 |
| Net loans and leases to core deposits | 105.3366% | 3,777 |
| Total domestic deposits to total assets | 84.5106% | 3,473 |
| Equity capital to assets | 11.6262% | 2,488 |
| Core capital (leverage) ratio | 11.5471% | 2,048 |
| Tier 1 risk-based capital ratio | 17.3610% | 2,163 |
| Total risk-based capital ratio | 18.5433% | 2,134 |
| Memoranda: | ||
| Average total assets | $318,872,000 | 2,129 |
| Average earning assets | $307,989,250 | 2,043 |
| Average equity | $37,321,500 | 1,821 |
| Average total loans | $241,520,500 | 1,958 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8922% | 2,621 |
| Cost of funding earning assets | 2.5835% | 1,334 |
| Net interest margin | 3.3088% | 5,522 |
| Noninterest income to average assets | 0.3066% | 6,060 |
| Noninterest expense to average assets | 2.4409% | 6,330 |
| Loan and lease loss provision to assets | 0.7240% | 2,265 |
| Net operating income to assets | 0.2266% | 5,169 |
| Return on assets (ROA) | 0.4539% | 4,386 |
| Pretax return on assets | 0.6856% | 4,049 |
| Return on Equity (ROE) | 3.8695% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.5976% | 3,880 |
| Net charge-offs to loans | 0.9283% | 1,856 |
| Credit loss provision to net charge-offs | 101.6799% | 4,497 |
| Earnings coverage of net charge-offs (x) | 1.4960% | 4,413 |
| Efficiency ratio | 69.6175% | 4,858 |
| Assets per employee ($millions) | 4.1539% | 3,386 |
| Cash dividends to net income (ytd only)* | 32.8710% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,162 |
| Loan loss allowance to noncurrent loans | 32.9851% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 2.6124% | 2,465 |
| Noncurrent loans to loans | 3.0606% | 2,343 |
| Net loans and leases to total assets | 74.5259% | 2,566 |
| Net loans and leases to deposits | 88.1049% | 3,153 |
| Net loans and leases to core deposits | 109.5897% | 3,420 |
| Total domestic deposits to total assets | 84.5877% | 3,454 |
| Equity capital to assets | 11.5606% | 2,497 |
| Core capital (leverage) ratio | 11.3979% | 2,134 |
| Tier 1 risk-based capital ratio | 16.9597% | 2,317 |
| Total risk-based capital ratio | 18.0761% | 2,306 |
| Memoranda: | ||
| Average total assets | $317,676,000 | 2,159 |
| Average earning assets | $307,184,330 | 2,073 |
| Average equity | $37,265,330 | 1,825 |
| Average total loans | $243,677,670 | 1,977 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9270% | 2,663 |
| Cost of funding earning assets | 2.7066% | 1,254 |
| Net interest margin | 3.2204% | 5,793 |
| Noninterest income to average assets | 0.2944% | 6,080 |
| Noninterest expense to average assets | 2.4208% | 6,128 |
| Loan and lease loss provision to assets | 0.5686% | 2,213 |
| Net operating income to assets | 0.3547% | 5,048 |
| Return on assets (ROA) | 0.7252% | 3,639 |
| Pretax return on assets | 0.8528% | 3,878 |
| Return on Equity (ROE) | 6.1375% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.6034% | 3,890 |
| Net charge-offs to loans | 0.4912% | 2,235 |
| Credit loss provision to net charge-offs | 149.5017% | 2,798 |
| Earnings coverage of net charge-offs (x) | 2.5914% | 3,461 |
| Efficiency ratio | 71.0682% | 4,357 |
| Assets per employee ($millions) | 4.2477% | 3,174 |
| Cash dividends to net income (ytd only)* | 41.2892% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 5,809 |
| Loan loss allowance to noncurrent loans | 78.0793% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.1331% | 4,410 |
| Noncurrent loans to loans | 1.3455% | 4,297 |
| Net loans and leases to total assets | 74.7183% | 2,571 |
| Net loans and leases to deposits | 88.0951% | 3,276 |
| Net loans and leases to core deposits | 109.0699% | 3,556 |
| Total domestic deposits to total assets | 84.8155% | 3,294 |
| Equity capital to assets | 11.4698% | 2,605 |
| Core capital (leverage) ratio | 11.6199% | 2,083 |
| Tier 1 risk-based capital ratio | 16.4722% | 2,523 |
| Total risk-based capital ratio | 17.6190% | 2,509 |
| Memoranda: | ||
| Average total assets | $316,587,000 | 2,177 |
| Average earning assets | $305,922,500 | 2,085 |
| Average equity | $37,409,500 | 1,825 |
| Average total loans | $245,114,000 | 1,991 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5833% | 2,563 |
| Cost of funding earning assets | 3.1681% | 1,291 |
| Net interest margin | 3.4152% | 5,596 |
| Noninterest income to average assets | 0.0438% | 7,923 |
| Noninterest expense to average assets | 2.4440% | 6,239 |
| Loan and lease loss provision to assets | 0.1088% | 5,980 |
| Net operating income to assets | 0.5041% | 4,716 |
| Return on assets (ROA) | 0.5975% | 4,180 |
| Pretax return on assets | 0.9334% | 3,604 |
| Return on Equity (ROE) | 5.0748% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.3562% | 3,060 |
| Net charge-offs to loans | 0.3652% | 3,009 |
| Credit loss provision to net charge-offs | 37.6923% | 6,467 |
| Earnings coverage of net charge-offs (x) | 3.1055% | 4,537 |
| Efficiency ratio | 73.1675% | 3,719 |
| Assets per employee ($millions) | 3.9789% | 3,568 |
| Cash dividends to net income (ytd only)* | 33.8641% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,219 |
| Loan loss allowance to noncurrent loans | 45.5696% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.1505% | 2,284 |
| Noncurrent loans to loans | 2.1476% | 2,566 |
| Net loans and leases to total assets | 78.6359% | 1,971 |
| Net loans and leases to deposits | 93.4824% | 2,860 |
| Net loans and leases to core deposits | 115.1931% | 3,218 |
| Total domestic deposits to total assets | 84.1184% | 3,264 |
| Equity capital to assets | 12.1771% | 2,170 |
| Core capital (leverage) ratio | 12.0199% | 1,953 |
| Tier 1 risk-based capital ratio | 16.6506% | 2,435 |
| Total risk-based capital ratio | 17.7253% | 2,423 |
| Memoranda: | ||
| Average total assets | $315,305,000 | 2,120 |
| Average earning assets | $304,345,400 | 2,005 |
| Average equity | $37,124,800 | 1,825 |
| Average total loans | $249,154,600 | 1,909 |