Home > Xenith Bank > Performance and Condition Ratios
Xenith Bank, Performance and Condition Ratios
| 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 | 3.9155% | 3,557 |
| Cost of funding earning assets | 0.6646% | 965 |
| Net interest margin | 3.2510% | 4,379 |
| Noninterest income to average assets | 0.1277% | 5,679 |
| Noninterest expense to average assets | 2.5764% | 3,798 |
| Loan and lease loss provision to assets | 0.0757% | 2,618 |
| Net operating income to assets | 0.3089% | 5,299 |
| Return on assets (ROA) | 0.3255% | 5,333 |
| Pretax return on assets | 0.5191% | 5,098 |
| Return on Equity (ROE) | 2.7539% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.7539% | 4,147 |
| Net charge-offs to loans | 0.1409% | 1,478 |
| Credit loss provision to net charge-offs | 70.6619% | 2,472 |
| Earnings coverage of net charge-offs (x) | 5.3095% | 2,873 |
| Efficiency ratio | 80.5156% | 1,445 |
| Assets per employee ($millions) | 9.0732% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 5,042 |
| Loan loss allowance to noncurrent loans | 50.0349% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 1,417 |
| Noncurrent loans to loans | 1.7433% | 1,201 |
| Net loans and leases to total assets | 76.0545% | 1,486 |
| Net loans and leases to deposits | 88.7297% | 1,893 |
| Net loans and leases to core deposits | 107.3939% | 1,065 |
| Total domestic deposits to total assets | 85.7149% | 2,550 |
| Equity capital to assets | 11.8027% | 2,266 |
| Core capital (leverage) ratio | 10.4198% | 3,053 |
| Tier 1 risk-based capital ratio | 11.4862% | 5,167 |
| Total risk-based capital ratio | 12.2968% | 5,317 |
| Memoranda: | ||
| Average total assets | $1,043,326,670 | 693 |
| Average earning assets | $968,446,670 | 687 |
| Average equity | $123,315,670 | 651 |
| Average total loans | $793,358,330 | 629 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 3,171 |
| Cost of funding earning assets | 0.6740% | 922 |
| Net interest margin | 3.3409% | 4,076 |
| Noninterest income to average assets | 0.1410% | 5,644 |
| Noninterest expense to average assets | 2.6882% | 3,454 |
| Loan and lease loss provision to assets | 0.0738% | 2,488 |
| Net operating income to assets | 0.2257% | 5,482 |
| Return on assets (ROA) | 0.2257% | 5,541 |
| Pretax return on assets | 0.4735% | 5,156 |
| Return on Equity (ROE) | 1.9082% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.9082% | 4,495 |
| Net charge-offs to loans | 0.2217% | 917 |
| Credit loss provision to net charge-offs | 43.9815% | 2,109 |
| Earnings coverage of net charge-offs (x) | 3.2616% | 2,566 |
| Efficiency ratio | 81.7145% | 1,397 |
| Assets per employee ($millions) | 8.5056% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 5,038 |
| Loan loss allowance to noncurrent loans | 40.3366% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.7794% | 1,050 |
| Noncurrent loans to loans | 2.2500% | 900 |
| Net loans and leases to total assets | 75.6410% | 1,444 |
| Net loans and leases to deposits | 88.4957% | 1,767 |
| Net loans and leases to core deposits | 103.8428% | 1,198 |
| Total domestic deposits to total assets | 85.4741% | 2,924 |
| Equity capital to assets | 12.0803% | 1,971 |
| Core capital (leverage) ratio | 10.2428% | 3,269 |
| Tier 1 risk-based capital ratio | 11.7679% | 5,067 |
| Total risk-based capital ratio | 12.6003% | 5,214 |
| Memoranda: | ||
| Average total assets | $1,029,671,500 | 700 |
| Average earning assets | $953,747,000 | 696 |
| Average equity | $121,791,500 | 658 |
| Average total loans | $779,321,000 | 641 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,922 |
| Cost of funding earning assets | 0.6365% | 1,144 |
| Net interest margin | 3.4625% | 3,669 |
| Noninterest income to average assets | 0.1356% | 5,737 |
| Noninterest expense to average assets | 2.3637% | 4,605 |
| Loan and lease loss provision to assets | 0.2649% | 699 |
| Net operating income to assets | 0.4951% | 4,711 |
| Return on assets (ROA) | 0.4994% | 4,791 |
| Pretax return on assets | 0.6852% | 4,567 |
| Return on Equity (ROE) | 4.1909% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.1909% | 3,005 |
| Net charge-offs to loans | 0.1824% | 1,576 |
| Credit loss provision to net charge-offs | 186.7098% | 1,475 |
| Earnings coverage of net charge-offs (x) | 6.6545% | 3,191 |
| Efficiency ratio | 70.0431% | 3,219 |
| Assets per employee ($millions) | 8.6556% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,905 |
| Loan loss allowance to noncurrent loans | 39.6804% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 1,027 |
| Noncurrent loans to loans | 2.3762% | 797 |
| Net loans and leases to total assets | 74.3426% | 1,671 |
| Net loans and leases to deposits | 86.8149% | 2,025 |
| Net loans and leases to core deposits | 102.2831% | 1,343 |
| Total domestic deposits to total assets | 85.6334% | 2,795 |
| Equity capital to assets | 11.5804% | 2,296 |
| Core capital (leverage) ratio | 10.2762% | 3,183 |
| Tier 1 risk-based capital ratio | 11.8725% | 5,028 |
| Total risk-based capital ratio | 12.7438% | 5,162 |
| Memoranda: | ||
| Average total assets | $980,977,800 | 704 |
| Average earning assets | $898,765,200 | 698 |
| Average equity | $116,896,800 | 655 |
| Average total loans | $763,263,600 | 612 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,134 |
| Cost of funding earning assets | 0.6317% | 1,200 |
| Net interest margin | 3.4165% | 3,887 |
| Noninterest income to average assets | 0.1201% | 5,874 |
| Noninterest expense to average assets | 2.4103% | 4,484 |
| Loan and lease loss provision to assets | 0.2218% | 843 |
| Net operating income to assets | 0.4331% | 5,035 |
| Return on assets (ROA) | 0.4388% | 5,106 |
| Pretax return on assets | 0.6183% | 4,931 |
| Return on Equity (ROE) | 3.6546% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.6546% | 3,865 |
| Net charge-offs to loans | 0.1168% | 1,959 |
| Credit loss provision to net charge-offs | 241.8045% | 1,166 |
| Earnings coverage of net charge-offs (x) | 9.0707% | 2,742 |
| Efficiency ratio | 72.8781% | 2,740 |
| Assets per employee ($millions) | 7.9562% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 5,075 |
| Loan loss allowance to noncurrent loans | 36.9940% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 2.0632% | 972 |
| Noncurrent loans to loans | 2.5107% | 815 |
| Net loans and leases to total assets | 77.6243% | 1,160 |
| Net loans and leases to deposits | 91.3439% | 1,483 |
| Net loans and leases to core deposits | 107.8546% | 989 |
| Total domestic deposits to total assets | 84.9802% | 3,021 |
| Equity capital to assets | 12.1731% | 1,981 |
| Core capital (leverage) ratio | 10.5323% | 3,004 |
| Tier 1 risk-based capital ratio | 12.1489% | 4,993 |
| Total risk-based capital ratio | 13.0268% | 5,140 |
| Memoranda: | ||
| Average total assets | $966,553,750 | 723 |
| Average earning assets | $883,301,500 | 722 |
| Average equity | $116,050,250 | 662 |
| Average total loans | $759,197,750 | 614 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 3,304 |
| Cost of funding earning assets | 0.6243% | 1,263 |
| Net interest margin | 3.3729% | 3,997 |
| Noninterest income to average assets | 0.1538% | 5,790 |
| Noninterest expense to average assets | 2.3892% | 4,580 |
| Loan and lease loss provision to assets | 0.2621% | 646 |
| Net operating income to assets | 0.4068% | 5,114 |
| Return on assets (ROA) | 0.4186% | 5,184 |
| Pretax return on assets | 0.5957% | 4,985 |
| Return on Equity (ROE) | 3.5025% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.5025% | 3,807 |
| Net charge-offs to loans | 0.1373% | 1,677 |
| Credit loss provision to net charge-offs | 242.8023% | 1,070 |
| Earnings coverage of net charge-offs (x) | 7.7908% | 2,632 |
| Efficiency ratio | 72.4934% | 2,936 |
| Assets per employee ($millions) | 8.1300% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 5,323 |
| Loan loss allowance to noncurrent loans | 31.5593% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 2.3059% | 870 |
| Noncurrent loans to loans | 2.8258% | 729 |
| Net loans and leases to total assets | 76.7387% | 1,265 |
| Net loans and leases to deposits | 89.7989% | 1,621 |
| Net loans and leases to core deposits | 106.6695% | 1,041 |
| Total domestic deposits to total assets | 85.4562% | 2,944 |
| Equity capital to assets | 11.6820% | 2,265 |
| Core capital (leverage) ratio | 10.6396% | 2,807 |
| Tier 1 risk-based capital ratio | 12.1194% | 5,065 |
| Total risk-based capital ratio | 12.9828% | 5,234 |
| Memoranda: | ||
| Average total assets | $965,185,670 | 726 |
| Average earning assets | $880,377,330 | 730 |
| Average equity | $115,347,330 | 669 |
| Average total loans | $758,753,670 | 613 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 3,087 |
| Cost of funding earning assets | 0.6278% | 1,244 |
| Net interest margin | 3.4116% | 3,795 |
| Noninterest income to average assets | 0.1446% | 5,879 |
| Noninterest expense to average assets | 2.4029% | 4,584 |
| Loan and lease loss provision to assets | 0.2374% | 719 |
| Net operating income to assets | 0.4262% | 4,967 |
| Return on assets (ROA) | 0.4459% | 5,007 |
| Pretax return on assets | 0.6337% | 4,819 |
| Return on Equity (ROE) | 3.6877% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.6877% | 3,796 |
| Net charge-offs to loans | 0.1719% | 1,246 |
| Credit loss provision to net charge-offs | 174.3827% | 1,147 |
| Earnings coverage of net charge-offs (x) | 6.1914% | 2,319 |
| Efficiency ratio | 72.5531% | 3,076 |
| Assets per employee ($millions) | 8.3840% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 5,570 |
| Loan loss allowance to noncurrent loans | 27.2224% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.5081% | 859 |
| Noncurrent loans to loans | 3.1249% | 671 |
| Net loans and leases to total assets | 75.9067% | 1,219 |
| Net loans and leases to deposits | 89.0394% | 1,499 |
| Net loans and leases to core deposits | 106.4040% | 913 |
| Total domestic deposits to total assets | 85.2507% | 3,282 |
| Equity capital to assets | 11.6852% | 2,307 |
| Core capital (leverage) ratio | 11.0399% | 2,378 |
| Tier 1 risk-based capital ratio | 12.2439% | 5,078 |
| Total risk-based capital ratio | 13.0160% | 5,300 |
| Memoranda: | ||
| Average total assets | $951,849,000 | 731 |
| Average earning assets | $865,284,000 | 743 |
| Average equity | $115,086,500 | 666 |
| Average total loans | $754,136,000 | 614 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,645 |
| Cost of funding earning assets | 0.6173% | 1,625 |
| Net interest margin | 3.6723% | 3,119 |
| Noninterest income to average assets | 0.1582% | 5,911 |
| Noninterest expense to average assets | 2.8675% | 3,247 |
| Loan and lease loss provision to assets | 0.4076% | 432 |
| Net operating income to assets | 0.1641% | 5,842 |
| Return on assets (ROA) | 0.1987% | 5,822 |
| Pretax return on assets | 0.3170% | 5,669 |
| Return on Equity (ROE) | 1.5998% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.5998% | 5,024 |
| Net charge-offs to loans | 0.3300% | 1,336 |
| Credit loss provision to net charge-offs | 152.3179% | 1,592 |
| Earnings coverage of net charge-offs (x) | 2.5052% | 4,133 |
| Efficiency ratio | 79.5799% | 1,996 |
| Assets per employee ($millions) | 7.8152% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 5,683 |
| Loan loss allowance to noncurrent loans | 30.7503% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 2.3461% | 1,003 |
| Noncurrent loans to loans | 2.7051% | 899 |
| Net loans and leases to total assets | 81.4349% | 581 |
| Net loans and leases to deposits | 96.3405% | 882 |
| Net loans and leases to core deposits | 113.8313% | 612 |
| Total domestic deposits to total assets | 84.5282% | 3,496 |
| Equity capital to assets | 12.5297% | 1,629 |
| Core capital (leverage) ratio | 10.3038% | 3,165 |
| Tier 1 risk-based capital ratio | 12.1476% | 5,264 |
| Total risk-based capital ratio | 13.0031% | 5,426 |
| Memoranda: | ||
| Average total assets | $789,962,600 | 858 |
| Average earning assets | $727,002,400 | 843 |
| Average equity | $98,134,800 | 747 |
| Average total loans | $640,651,600 | 681 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,760 |
| Cost of funding earning assets | 0.5928% | 1,900 |
| Net interest margin | 3.6729% | 3,138 |
| Noninterest income to average assets | 0.1580% | 5,963 |
| Noninterest expense to average assets | 2.8744% | 3,217 |
| Loan and lease loss provision to assets | 0.4199% | 394 |
| Net operating income to assets | 0.1478% | 5,949 |
| Return on assets (ROA) | 0.1522% | 5,974 |
| Pretax return on assets | 0.2657% | 5,834 |
| Return on Equity (ROE) | 1.2280% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.2280% | 5,404 |
| Net charge-offs to loans | 0.4243% | 936 |
| Credit loss provision to net charge-offs | 122.5013% | 1,883 |
| Earnings coverage of net charge-offs (x) | 1.9800% | 4,025 |
| Efficiency ratio | 79.4343% | 1,999 |
| Assets per employee ($millions) | 7.8806% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 5,999 |
| Loan loss allowance to noncurrent loans | 14.8932% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 4.2675% | 441 |
| Noncurrent loans to loans | 5.0234% | 364 |
| Net loans and leases to total assets | 81.5219% | 557 |
| Net loans and leases to deposits | 96.3843% | 851 |
| Net loans and leases to core deposits | 112.3392% | 648 |
| Total domestic deposits to total assets | 84.5800% | 3,506 |
| Equity capital to assets | 12.5673% | 1,653 |
| Core capital (leverage) ratio | 10.6783% | 2,838 |
| Tier 1 risk-based capital ratio | 12.4749% | 5,184 |
| Total risk-based capital ratio | 13.2744% | 5,383 |
| Memoranda: | ||
| Average total assets | $758,857,750 | 901 |
| Average earning assets | $701,478,000 | 879 |
| Average equity | $94,026,250 | 786 |
| Average total loans | $613,096,500 | 715 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,796 |
| Cost of funding earning assets | 0.5584% | 2,278 |
| Net interest margin | 3.4251% | 4,083 |
| Noninterest income to average assets | 0.1485% | 6,071 |
| Noninterest expense to average assets | 2.9693% | 2,942 |
| Loan and lease loss provision to assets | 0.2339% | 969 |
| Net operating income to assets | 0.0340% | 6,155 |
| Return on assets (ROA) | 0.0378% | 6,175 |
| Pretax return on assets | 0.1110% | 6,079 |
| Return on Equity (ROE) | 0.3066% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.3066% | 5,602 |
| Net charge-offs to loans | 0.0151% | 3,932 |
| Credit loss provision to net charge-offs | 1,930.2326% | 194 |
| Earnings coverage of net charge-offs (x) | 27.9767% | 1,319 |
| Efficiency ratio | 88.2027% | 1,070 |
| Assets per employee ($millions) | 7.4571% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 5,355 |
| Loan loss allowance to noncurrent loans | 16.4998% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 4.7680% | 389 |
| Noncurrent loans to loans | 6.0547% | 256 |
| Net loans and leases to total assets | 77.6184% | 955 |
| Net loans and leases to deposits | 90.8487% | 1,285 |
| Net loans and leases to core deposits | 111.5977% | 624 |
| Total domestic deposits to total assets | 85.4370% | 3,314 |
| Equity capital to assets | 11.4614% | 2,456 |
| Core capital (leverage) ratio | 9.8461% | 3,822 |
| Tier 1 risk-based capital ratio | 11.7838% | 5,646 |
| Total risk-based capital ratio | 12.8613% | 5,690 |
| Memoranda: | ||
| Average total assets | $709,720,000 | 950 |
| Average earning assets | $654,762,000 | 948 |
| Average equity | $87,403,670 | 835 |
| Average total loans | $569,336,000 | 768 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 3,529 |
| Cost of funding earning assets | 0.5530% | 2,399 |
| Net interest margin | 3.4854% | 3,762 |
| Noninterest income to average assets | 0.2098% | 5,679 |
| Noninterest expense to average assets | 2.9624% | 3,010 |
| Loan and lease loss provision to assets | 0.1334% | 1,815 |
| Net operating income to assets | 0.1851% | 5,840 |
| Return on assets (ROA) | 0.1851% | 5,883 |
| Pretax return on assets | 0.3256% | 5,664 |
| Return on Equity (ROE) | 1.4468% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.4468% | 5,040 |
| Net charge-offs to loans | 0.0253% | 3,066 |
| Credit loss provision to net charge-offs | 648.5714% | 440 |
| Earnings coverage of net charge-offs (x) | 22.3143% | 1,257 |
| Efficiency ratio | 84.3669% | 1,627 |
| Assets per employee ($millions) | 6.6263% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 5,666 |
| Loan loss allowance to noncurrent loans | 14.5077% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 5.4913% | 348 |
| Noncurrent loans to loans | 6.6165% | 246 |
| Net loans and leases to total assets | 81.8447% | 366 |
| Net loans and leases to deposits | 98.0086% | 542 |
| Net loans and leases to core deposits | 113.2238% | 486 |
| Total domestic deposits to total assets | 83.5077% | 4,449 |
| Equity capital to assets | 12.8647% | 1,374 |
| Core capital (leverage) ratio | 10.5016% | 2,930 |
| Tier 1 risk-based capital ratio | 12.7688% | 5,147 |
| Total risk-based capital ratio | 13.8244% | 5,207 |
| Memoranda: | ||
| Average total assets | $680,539,000 | 999 |
| Average earning assets | $627,078,500 | 993 |
| Average equity | $87,089,000 | 843 |
| Average total loans | $552,909,500 | 792 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 1,810 |
| Cost of funding earning assets | 0.6278% | 2,407 |
| Net interest margin | 3.9897% | 1,976 |
| Noninterest income to average assets | 0.2339% | 5,674 |
| Noninterest expense to average assets | 3.1526% | 2,578 |
| Loan and lease loss provision to assets | 0.2474% | 1,457 |
| Net operating income to assets | 0.3398% | 5,379 |
| Return on assets (ROA) | 0.3713% | 5,368 |
| Pretax return on assets | 0.5696% | 4,973 |
| Return on Equity (ROE) | 2.5735% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.0940% | 5,348 |
| Net charge-offs to loans | 0.1971% | 2,888 |
| Credit loss provision to net charge-offs | 158.0851% | 1,452 |
| Earnings coverage of net charge-offs (x) | 4.9106% | 3,423 |
| Efficiency ratio | 78.8511% | 2,343 |
| Assets per employee ($millions) | 6.6526% | 923 |
| Cash dividends to net income (ytd only)* | 57.4888% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 5,663 |
| Loan loss allowance to noncurrent loans | 138.8380% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 4,460 |
| Noncurrent loans to loans | 0.7052% | 4,208 |
| Net loans and leases to total assets | 79.0638% | 708 |
| Net loans and leases to deposits | 94.2554% | 861 |
| Net loans and leases to core deposits | 101.0228% | 1,087 |
| Total domestic deposits to total assets | 83.8825% | 4,209 |
| Equity capital to assets | 12.7290% | 1,407 |
| Core capital (leverage) ratio | 10.3721% | 3,059 |
| Tier 1 risk-based capital ratio | 13.1565% | 4,882 |
| Total risk-based capital ratio | 14.2273% | 4,941 |
| Memoranda: | ||
| Average total assets | $600,638,200 | 1,111 |
| Average earning assets | $555,102,400 | 1,093 |
| Average equity | $86,653,000 | 818 |
| Average total loans | $476,917,600 | 892 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 1,454 |
| Cost of funding earning assets | 0.6504% | 2,355 |
| Net interest margin | 4.1087% | 1,608 |
| Noninterest income to average assets | 0.2498% | 5,644 |
| Noninterest expense to average assets | 3.2353% | 2,245 |
| Loan and lease loss provision to assets | 0.2095% | 1,736 |
| Net operating income to assets | 0.3941% | 5,266 |
| Return on assets (ROA) | 0.4375% | 5,229 |
| Pretax return on assets | 0.6720% | 4,786 |
| Return on Equity (ROE) | 2.9319% | 5,628 |
| Retained earnings to average equity (ytd only) | 0.9609% | 5,596 |
| Net charge-offs to loans | 0.1736% | 2,837 |
| Credit loss provision to net charge-offs | 152.1667% | 1,548 |
| Earnings coverage of net charge-offs (x) | 5.9183% | 3,077 |
| Efficiency ratio | 78.3323% | 2,368 |
| Assets per employee ($millions) | 5.9263% | 1,292 |
| Cash dividends to net income (ytd only)* | 67.2261% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,376 |
| Loan loss allowance to noncurrent loans | 126.5795% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 4,270 |
| Noncurrent loans to loans | 0.8591% | 4,104 |
| Net loans and leases to total assets | 77.1762% | 852 |
| Net loans and leases to deposits | 94.0898% | 824 |
| Net loans and leases to core deposits | 101.3071% | 1,039 |
| Total domestic deposits to total assets | 82.0239% | 4,922 |
| Equity capital to assets | 14.2464% | 896 |
| Core capital (leverage) ratio | 11.7418% | 1,860 |
| Tier 1 risk-based capital ratio | 13.5142% | 4,747 |
| Total risk-based capital ratio | 14.5853% | 4,819 |
| Memoranda: | ||
| Average total assets | $581,156,250 | 1,156 |
| Average earning assets | $537,513,500 | 1,142 |
| Average equity | $86,722,500 | 816 |
| Average total loans | $460,695,750 | 924 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 1,822 |
| Cost of funding earning assets | 0.6712% | 2,301 |
| Net interest margin | 3.9379% | 2,081 |
| Noninterest income to average assets | 0.2592% | 5,601 |
| Noninterest expense to average assets | 3.2914% | 2,094 |
| Loan and lease loss provision to assets | 0.1448% | 2,529 |
| Net operating income to assets | 0.3167% | 5,536 |
| Return on assets (ROA) | 0.3826% | 5,448 |
| Pretax return on assets | 0.5877% | 5,063 |
| Return on Equity (ROE) | 2.5240% | 5,785 |
| Retained earnings to average equity (ytd only) | 2.5240% | 4,688 |
| Net charge-offs to loans | 0.1737% | 2,730 |
| Credit loss provision to net charge-offs | 104.5340% | 2,113 |
| Earnings coverage of net charge-offs (x) | 4.5567% | 3,098 |
| Efficiency ratio | 82.2944% | 1,844 |
| Assets per employee ($millions) | 5.6708% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 5,575 |
| Loan loss allowance to noncurrent loans | 96.0834% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 3,929 |
| Noncurrent loans to loans | 1.1038% | 3,722 |
| Net loans and leases to total assets | 78.7400% | 664 |
| Net loans and leases to deposits | 98.0150% | 540 |
| Net loans and leases to core deposits | 105.4932% | 765 |
| Total domestic deposits to total assets | 80.3347% | 5,529 |
| Equity capital to assets | 14.9810% | 715 |
| Core capital (leverage) ratio | 12.3480% | 1,437 |
| Tier 1 risk-based capital ratio | 13.6484% | 4,670 |
| Total risk-based capital ratio | 14.6707% | 4,780 |
| Memoranda: | ||
| Average total assets | $573,381,000 | 1,172 |
| Average earning assets | $533,377,670 | 1,148 |
| Average equity | $86,924,330 | 816 |
| Average total loans | $457,046,000 | 929 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 1,734 |
| Cost of funding earning assets | 0.7031% | 2,177 |
| Net interest margin | 3.9298% | 2,013 |
| Noninterest income to average assets | 0.3518% | 4,864 |
| Noninterest expense to average assets | 3.2961% | 2,094 |
| Loan and lease loss provision to assets | 0.2880% | 1,218 |
| Net operating income to assets | 0.2818% | 5,621 |
| Return on assets (ROA) | 0.3532% | 5,477 |
| Pretax return on assets | 0.5564% | 5,094 |
| Return on Equity (ROE) | 2.3157% | 5,844 |
| Retained earnings to average equity (ytd only) | 2.3157% | 4,870 |
| Net charge-offs to loans | 0.1405% | 2,562 |
| Credit loss provision to net charge-offs | 256.8750% | 908 |
| Earnings coverage of net charge-offs (x) | 6.5375% | 2,200 |
| Efficiency ratio | 80.2261% | 2,298 |
| Assets per employee ($millions) | 5.6238% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,434 |
| Loan loss allowance to noncurrent loans | 104.3594% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 4,160 |
| Noncurrent loans to loans | 1.0954% | 3,950 |
| Net loans and leases to total assets | 76.1254% | 824 |
| Net loans and leases to deposits | 94.0612% | 663 |
| Net loans and leases to core deposits | 101.8861% | 832 |
| Total domestic deposits to total assets | 80.9318% | 5,518 |
| Equity capital to assets | 15.0584% | 744 |
| Core capital (leverage) ratio | 12.1474% | 1,494 |
| Tier 1 risk-based capital ratio | 14.4884% | 4,184 |
| Total risk-based capital ratio | 15.6355% | 4,217 |
| Memoranda: | ||
| Average total assets | $570,859,000 | 1,190 |
| Average earning assets | $534,173,000 | 1,156 |
| Average equity | $87,059,500 | 823 |
| Average total loans | $455,402,000 | 930 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 856 |
| Cost of funding earning assets | 0.8107% | 2,583 |
| Net interest margin | 4.5246% | 900 |
| Noninterest income to average assets | 0.1001% | 6,502 |
| Noninterest expense to average assets | 3.3772% | 2,113 |
| Loan and lease loss provision to assets | 0.3481% | 1,922 |
| Net operating income to assets | 1.4326% | 1,042 |
| Return on assets (ROA) | 1.4747% | 1,074 |
| Pretax return on assets | 0.6325% | 4,879 |
| Return on Equity (ROE) | 9.3302% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.3302% | 740 |
| Net charge-offs to loans | 0.2957% | 3,169 |
| Credit loss provision to net charge-offs | 156.2715% | 1,730 |
| Earnings coverage of net charge-offs (x) | 4.2131% | 3,441 |
| Efficiency ratio | 76.6362% | 2,646 |
| Assets per employee ($millions) | 5.4083% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 5,766 |
| Loan loss allowance to noncurrent loans | 96.1728% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 4,128 |
| Noncurrent loans to loans | 1.0907% | 4,026 |
| Net loans and leases to total assets | 81.7600% | 341 |
| Net loans and leases to deposits | 101.4655% | 355 |
| Net loans and leases to core deposits | 110.3904% | 536 |
| Total domestic deposits to total assets | 80.5791% | 5,518 |
| Equity capital to assets | 15.4486% | 645 |
| Core capital (leverage) ratio | 12.7751% | 1,208 |
| Tier 1 risk-based capital ratio | 15.2524% | 3,579 |
| Total risk-based capital ratio | 16.3818% | 3,599 |
| Memoranda: | ||
| Average total assets | $522,559,000 | 1,273 |
| Average earning assets | $486,871,000 | 1,253 |
| Average equity | $82,591,600 | 852 |
| Average total loans | $393,635,400 | 1,058 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4464% | 754 |
| Cost of funding earning assets | 0.8423% | 2,610 |
| Net interest margin | 4.6041% | 814 |
| Noninterest income to average assets | 0.0978% | 6,622 |
| Noninterest expense to average assets | 3.4577% | 1,867 |
| Loan and lease loss provision to assets | 0.3597% | 1,809 |
| Net operating income to assets | 1.8518% | 517 |
| Return on assets (ROA) | 1.9090% | 516 |
| Pretax return on assets | 0.6217% | 5,101 |
| Return on Equity (ROE) | 12.0039% | 1,638 |
| Retained earnings to average equity (ytd only) | 12.0039% | 529 |
| Net charge-offs to loans | 0.3320% | 2,801 |
| Credit loss provision to net charge-offs | 147.7564% | 1,918 |
| Earnings coverage of net charge-offs (x) | 3.7959% | 3,508 |
| Efficiency ratio | 77.2943% | 2,482 |
| Assets per employee ($millions) | 5.5722% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,636 |
| Loan loss allowance to noncurrent loans | 95.9226% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 4,426 |
| Noncurrent loans to loans | 1.1679% | 4,114 |
| Net loans and leases to total assets | 73.7825% | 1,281 |
| Net loans and leases to deposits | 91.7397% | 998 |
| Net loans and leases to core deposits | 101.5567% | 1,016 |
| Total domestic deposits to total assets | 80.4259% | 5,540 |
| Equity capital to assets | 15.5166% | 700 |
| Core capital (leverage) ratio | 12.8862% | 1,235 |
| Tier 1 risk-based capital ratio | 16.8360% | 2,821 |
| Total risk-based capital ratio | 18.0644% | 2,780 |
| Memoranda: | ||
| Average total assets | $512,582,000 | 1,320 |
| Average earning assets | $476,950,000 | 1,297 |
| Average equity | $81,516,250 | 862 |
| Average total loans | $375,857,250 | 1,122 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4775% | 752 |
| Cost of funding earning assets | 0.8763% | 2,593 |
| Net interest margin | 4.6012% | 829 |
| Noninterest income to average assets | 0.1567% | 6,408 |
| Noninterest expense to average assets | 3.6210% | 1,538 |
| Loan and lease loss provision to assets | 0.3641% | 1,815 |
| Net operating income to assets | 0.4485% | 5,045 |
| Return on assets (ROA) | 0.5361% | 4,925 |
| Pretax return on assets | 0.5361% | 5,351 |
| Return on Equity (ROE) | 3.3405% | 5,547 |
| Retained earnings to average equity (ytd only) | 3.3405% | 4,377 |
| Net charge-offs to loans | 0.4231% | 2,344 |
| Credit loss provision to net charge-offs | 118.1226% | 2,329 |
| Earnings coverage of net charge-offs (x) | 2.6362% | 3,691 |
| Efficiency ratio | 80.0236% | 2,169 |
| Assets per employee ($millions) | 5.2267% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 5,890 |
| Loan loss allowance to noncurrent loans | 77.1551% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 4,078 |
| Noncurrent loans to loans | 1.3893% | 3,839 |
| Net loans and leases to total assets | 76.3325% | 928 |
| Net loans and leases to deposits | 95.1471% | 685 |
| Net loans and leases to core deposits | 108.3043% | 651 |
| Total domestic deposits to total assets | 80.2258% | 5,680 |
| Equity capital to assets | 15.4514% | 685 |
| Core capital (leverage) ratio | 13.1750% | 1,101 |
| Tier 1 risk-based capital ratio | 16.0223% | 3,156 |
| Total risk-based capital ratio | 17.1862% | 3,160 |
| Memoranda: | ||
| Average total assets | $497,704,330 | 1,359 |
| Average earning assets | $462,616,670 | 1,338 |
| Average equity | $79,868,000 | 869 |
| Average total loans | $362,548,000 | 1,160 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 874 |
| Cost of funding earning assets | 0.9370% | 2,395 |
| Net interest margin | 4.4907% | 1,027 |
| Noninterest income to average assets | 0.1121% | 6,683 |
| Noninterest expense to average assets | 3.8556% | 1,123 |
| Loan and lease loss provision to assets | 0.2968% | 2,101 |
| Net operating income to assets | 0.1360% | 6,156 |
| Return on assets (ROA) | 0.3166% | 5,766 |
| Pretax return on assets | 0.3166% | 5,941 |
| Return on Equity (ROE) | 1.9340% | 6,093 |
| Retained earnings to average equity (ytd only) | 1.9340% | 5,288 |
| Net charge-offs to loans | 0.5003% | 1,837 |
| Credit loss provision to net charge-offs | 84.1121% | 2,661 |
| Earnings coverage of net charge-offs (x) | 1.2266% | 3,724 |
| Efficiency ratio | 88.1584% | 1,271 |
| Assets per employee ($millions) | 5.2569% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,694 |
| Loan loss allowance to noncurrent loans | 71.9854% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.2598% | 4,034 |
| Noncurrent loans to loans | 1.6043% | 3,710 |
| Net loans and leases to total assets | 71.6548% | 1,462 |
| Net loans and leases to deposits | 90.2655% | 945 |
| Net loans and leases to core deposits | 102.3282% | 850 |
| Total domestic deposits to total assets | 79.3823% | 6,000 |
| Equity capital to assets | 16.1107% | 561 |
| Core capital (leverage) ratio | 13.3214% | 1,009 |
| Tier 1 risk-based capital ratio | 16.4406% | 2,940 |
| Total risk-based capital ratio | 17.5384% | 2,985 |
| Memoranda: | ||
| Average total assets | $485,221,500 | 1,392 |
| Average earning assets | $451,245,000 | 1,370 |
| Average equity | $79,422,000 | 870 |
| Average total loans | $342,177,000 | 1,230 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9457% | 475 |
| Cost of funding earning assets | 0.8325% | 4,610 |
| Net interest margin | 5.1132% | 332 |
| Noninterest income to average assets | 2.5517% | 258 |
| Noninterest expense to average assets | 4.6275% | 514 |
| Loan and lease loss provision to assets | 1.1452% | 787 |
| Net operating income to assets | 1.4044% | 1,023 |
| Return on assets (ROA) | 1.4228% | 1,058 |
| Pretax return on assets | 1.4442% | 1,642 |
| Return on Equity (ROE) | 7.7890% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.7890% | 1,156 |
| Net charge-offs to loans | 0.5854% | 2,695 |
| Credit loss provision to net charge-offs | 301.3544% | 775 |
| Earnings coverage of net charge-offs (x) | 6.7652% | 2,453 |
| Efficiency ratio | 63.3923% | 5,232 |
| Assets per employee ($millions) | 4.8602% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,850 |
| Loan loss allowance to noncurrent loans | 72.9628% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 3,889 |
| Noncurrent loans to loans | 1.7986% | 3,472 |
| Net loans and leases to total assets | 67.5750% | 2,474 |
| Net loans and leases to deposits | 85.8275% | 1,690 |
| Net loans and leases to core deposits | 97.7246% | 1,354 |
| Total domestic deposits to total assets | 78.7335% | 6,052 |
| Equity capital to assets | 16.6353% | 503 |
| Core capital (leverage) ratio | 13.1862% | 1,076 |
| Tier 1 risk-based capital ratio | 17.5447% | 2,365 |
| Total risk-based capital ratio | 18.7674% | 2,342 |
| Memoranda: | ||
| Average total assets | $349,732,400 | 1,853 |
| Average earning assets | $317,824,800 | 1,853 |
| Average equity | $63,884,600 | 1,054 |
| Average total loans | $227,031,800 | 1,826 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 844 |
| Cost of funding earning assets | 0.8360% | 4,890 |
| Net interest margin | 4.8684% | 546 |
| Noninterest income to average assets | 3.6488% | 174 |
| Noninterest expense to average assets | 4.8463% | 423 |
| Loan and lease loss provision to assets | 1.2994% | 577 |
| Net operating income to assets | 1.8659% | 454 |
| Return on assets (ROA) | 1.8925% | 466 |
| Pretax return on assets | 1.9164% | 750 |
| Return on Equity (ROE) | 10.0252% | 2,188 |
| Retained earnings to average equity (ytd only) | 10.0252% | 836 |
| Net charge-offs to loans | 0.8530% | 1,866 |
| Credit loss provision to net charge-offs | 239.5672% | 1,193 |
| Earnings coverage of net charge-offs (x) | 5.8794% | 2,677 |
| Efficiency ratio | 59.6140% | 5,783 |
| Assets per employee ($millions) | 5.1496% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 5,669 |
| Loan loss allowance to noncurrent loans | 61.1330% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4884% | 3,883 |
| Noncurrent loans to loans | 1.8859% | 3,525 |
| Net loans and leases to total assets | 62.5903% | 3,589 |
| Net loans and leases to deposits | 80.9623% | 2,528 |
| Net loans and leases to core deposits | 84.6930% | 2,958 |
| Total domestic deposits to total assets | 77.3080% | 6,329 |
| Equity capital to assets | 16.8727% | 495 |
| Core capital (leverage) ratio | 15.4260% | 587 |
| Tier 1 risk-based capital ratio | 18.8431% | 1,979 |
| Total risk-based capital ratio | 19.9031% | 2,003 |
| Memoranda: | ||
| Average total assets | $318,090,750 | 2,020 |
| Average earning assets | $286,602,000 | 2,055 |
| Average equity | $60,047,250 | 1,125 |
| Average total loans | $202,255,000 | 2,042 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 1,144 |
| Cost of funding earning assets | 0.8278% | 5,200 |
| Net interest margin | 4.7333% | 684 |
| Noninterest income to average assets | 0.1209% | 6,721 |
| Noninterest expense to average assets | 4.9963% | 369 |
| Loan and lease loss provision to assets | 1.1048% | 739 |
| Net operating income to assets | -1.7759% | 7,156 |
| Return on assets (ROA) | -1.7558% | 7,160 |
| Pretax return on assets | -1.7558% | 7,124 |
| Return on Equity (ROE) | -8.7586% | 6,896 |
| Retained earnings to average equity (ytd only) | -8.7586% | 6,812 |
| Net charge-offs to loans | 0.3045% | 3,350 |
| Credit loss provision to net charge-offs | 569.2308% | 543 |
| Earnings coverage of net charge-offs (x) | -3.4577% | 5,768 |
| Efficiency ratio | 114.4805% | 406 |
| Assets per employee ($millions) | 3.4701% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,598 |
| Loan loss allowance to noncurrent loans | 91.9335% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 4,639 |
| Noncurrent loans to loans | 1.7685% | 3,792 |
| Net loans and leases to total assets | 62.7309% | 3,731 |
| Net loans and leases to deposits | 89.4648% | 1,333 |
| Net loans and leases to core deposits | 97.1408% | 1,570 |
| Total domestic deposits to total assets | 70.1180% | 7,101 |
| Equity capital to assets | 22.3047% | 171 |
| Core capital (leverage) ratio | 17.8547% | 345 |
| Tier 1 risk-based capital ratio | 24.5600% | 949 |
| Total risk-based capital ratio | 25.8132% | 930 |
| Memoranda: | ||
| Average total assets | $267,916,330 | 2,386 |
| Average earning assets | $237,973,670 | 2,443 |
| Average equity | $53,707,000 | 1,254 |
| Average total loans | $170,764,000 | 2,401 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7736% | 775 |
| Cost of funding earning assets | 0.8809% | 5,061 |
| Net interest margin | 4.8927% | 475 |
| Noninterest income to average assets | 0.2094% | 6,238 |
| Noninterest expense to average assets | 5.1422% | 321 |
| Loan and lease loss provision to assets | 1.5047% | 426 |
| Net operating income to assets | -2.1298% | 7,306 |
| Return on assets (ROA) | -2.1298% | 7,304 |
| Pretax return on assets | -2.1298% | 7,279 |
| Return on Equity (ROE) | -11.3377% | 7,058 |
| Retained earnings to average equity (ytd only) | -11.3377% | 6,920 |
| Net charge-offs to loans | 0.5672% | 2,066 |
| Credit loss provision to net charge-offs | 416.3090% | 820 |
| Earnings coverage of net charge-offs (x) | -1.7296% | 4,947 |
| Efficiency ratio | 112.8091% | 445 |
| Assets per employee ($millions) | 3.3067% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 4,538 |
| Loan loss allowance to noncurrent loans | 160.9646% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 4,857 |
| Noncurrent loans to loans | 0.8861% | 5,273 |
| Net loans and leases to total assets | 65.3917% | 3,153 |
| Net loans and leases to deposits | 89.8659% | 1,248 |
| Net loans and leases to core deposits | 108.1611% | 839 |
| Total domestic deposits to total assets | 72.7659% | 7,017 |
| Equity capital to assets | 18.1800% | 359 |
| Core capital (leverage) ratio | 13.9466% | 862 |
| Tier 1 risk-based capital ratio | 17.4875% | 2,300 |
| Total risk-based capital ratio | 18.7435% | 2,265 |
| Memoranda: | ||
| Average total assets | $257,866,500 | 2,492 |
| Average earning assets | $227,034,000 | 2,582 |
| Average equity | $48,440,000 | 1,379 |
| Average total loans | $164,315,500 | 2,503 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4823% | 2,356 |
| Cost of funding earning assets | 1.1021% | 5,125 |
| Net interest margin | 4.3803% | 1,556 |
| Noninterest income to average assets | 0.1580% | 6,594 |
| Noninterest expense to average assets | 5.7223% | 265 |
| Loan and lease loss provision to assets | 0.8758% | 1,869 |
| Net operating income to assets | -2.6512% | 7,220 |
| Return on assets (ROA) | -2.6037% | 7,227 |
| Pretax return on assets | -2.6037% | 7,198 |
| Return on Equity (ROE) | -11.4246% | 6,790 |
| Retained earnings to average equity (ytd only) | -11.4246% | 6,734 |
| Net charge-offs to loans | 0.1817% | 5,219 |
| Credit loss provision to net charge-offs | 888.3929% | 242 |
| Earnings coverage of net charge-offs (x) | -18.0089% | 6,815 |
| Efficiency ratio | 143.6441% | 244 |
| Assets per employee ($millions) | 3.2624% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,721 |
| Loan loss allowance to noncurrent loans | 63.8467% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.6923% | 3,761 |
| Noncurrent loans to loans | 1.8061% | 3,808 |
| Net loans and leases to total assets | 60.2625% | 4,637 |
| Net loans and leases to deposits | 86.4342% | 2,016 |
| Net loans and leases to core deposits | 105.7780% | 1,207 |
| Total domestic deposits to total assets | 69.7207% | 7,252 |
| Equity capital to assets | 19.4219% | 292 |
| Core capital (leverage) ratio | 14.7837% | 697 |
| Tier 1 risk-based capital ratio | 20.3294% | 1,431 |
| Total risk-based capital ratio | 21.3829% | 1,430 |
| Memoranda: | ||
| Average total assets | $227,216,200 | 2,789 |
| Average earning assets | $196,541,000 | 2,925 |
| Average equity | $51,783,200 | 1,288 |
| Average total loans | $123,260,000 | 3,249 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2835% | 3,435 |
| Cost of funding earning assets | 1.1229% | 5,302 |
| Net interest margin | 4.1606% | 2,360 |
| Noninterest income to average assets | 0.1465% | 6,814 |
| Noninterest expense to average assets | 6.0511% | 218 |
| Loan and lease loss provision to assets | 0.7534% | 2,035 |
| Net operating income to assets | -3.0738% | 7,465 |
| Return on assets (ROA) | -3.0087% | 7,460 |
| Pretax return on assets | -3.0087% | 7,418 |
| Return on Equity (ROE) | -12.6700% | 7,038 |
| Retained earnings to average equity (ytd only) | -12.6700% | 6,999 |
| Net charge-offs to loans | 0.0230% | 6,351 |
| Credit loss provision to net charge-offs | 6,250.0000% | 42 |
| Earnings coverage of net charge-offs (x) | -192.4713% | 6,666 |
| Efficiency ratio | 160.7431% | 164 |
| Assets per employee ($millions) | 3.1258% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 6,743 |
| Loan loss allowance to noncurrent loans | 30.5666% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 1.7866% | 3,767 |
| Noncurrent loans to loans | 2.9446% | 2,710 |
| Net loans and leases to total assets | 55.5463% | 5,615 |
| Net loans and leases to deposits | 81.6264% | 3,168 |
| Net loans and leases to core deposits | 101.9897% | 1,656 |
| Total domestic deposits to total assets | 68.0494% | 7,375 |
| Equity capital to assets | 20.8370% | 241 |
| Core capital (leverage) ratio | 15.7687% | 599 |
| Tier 1 risk-based capital ratio | 23.6228% | 990 |
| Total risk-based capital ratio | 24.4518% | 1,012 |
| Memoranda: | ||
| Average total assets | $221,220,000 | 2,896 |
| Average earning assets | $190,576,750 | 3,033 |
| Average equity | $52,532,000 | 1,276 |
| Average total loans | $115,788,500 | 3,456 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0762% | 4,582 |
| Cost of funding earning assets | 1.1197% | 5,572 |
| Net interest margin | 3.9566% | 3,217 |
| Noninterest income to average assets | 0.1432% | 6,869 |
| Noninterest expense to average assets | 6.2661% | 200 |
| Loan and lease loss provision to assets | 0.4773% | 2,920 |
| Net operating income to assets | -2.9331% | 7,498 |
| Return on assets (ROA) | -2.8471% | 7,496 |
| Pretax return on assets | -3.1223% | 7,489 |
| Return on Equity (ROE) | -11.4558% | 7,017 |
| Retained earnings to average equity (ytd only) | -11.4558% | 6,972 |
| Net charge-offs to loans | 0.0900% | 5,237 |
| Credit loss provision to net charge-offs | 1,040.8163% | 360 |
| Earnings coverage of net charge-offs (x) | -59.7347% | 6,362 |
| Efficiency ratio | 176.0881% | 135 |
| Assets per employee ($millions) | 2.9932% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3830% | 7,604 |
| Loan loss allowance to noncurrent loans | 11.3351% | 7,231 |
| Noncurrent assets plus other real estate owned to assets | 2.1377% | 3,332 |
| Noncurrent loans to loans | 3.3790% | 2,363 |
| Net loans and leases to total assets | 52.7068% | 6,139 |
| Net loans and leases to deposits | 80.8709% | 3,454 |
| Net loans and leases to core deposits | 92.2684% | 2,947 |
| Total domestic deposits to total assets | 65.1740% | 7,559 |
| Equity capital to assets | 22.8591% | 171 |
| Core capital (leverage) ratio | 18.2430% | 338 |
| Tier 1 risk-based capital ratio | 27.0966% | 690 |
| Total risk-based capital ratio | 27.4321% | 746 |
| Memoranda: | ||
| Average total assets | $213,689,670 | 3,010 |
| Average earning assets | $182,733,330 | 3,165 |
| Average equity | $53,108,330 | 1,252 |
| Average total loans | $108,832,000 | 3,663 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 6,535 |
| Cost of funding earning assets | 1.1661% | 5,572 |
| Net interest margin | 3.4438% | 5,404 |
| Noninterest income to average assets | 0.1431% | 6,954 |
| Noninterest expense to average assets | 5.8938% | 228 |
| Loan and lease loss provision to assets | 0.0774% | 5,865 |
| Net operating income to assets | -2.2829% | 7,518 |
| Return on assets (ROA) | -2.1316% | 7,495 |
| Pretax return on assets | -2.7003% | 7,546 |
| Return on Equity (ROE) | -8.2144% | 7,065 |
| Retained earnings to average equity (ytd only) | -8.2144% | 6,846 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 189.5101% | 109 |
| Assets per employee ($millions) | 2.8648% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0384% | 7,851 |
| Loan loss allowance to noncurrent loans | 0.9151% | 7,403 |
| Noncurrent assets plus other real estate owned to assets | 2.2807% | 3,173 |
| Noncurrent loans to loans | 4.1995% | 1,837 |
| Net loans and leases to total assets | 49.0795% | 6,567 |
| Net loans and leases to deposits | 79.0742% | 3,826 |
| Net loans and leases to core deposits | 95.6234% | 2,625 |
| Total domestic deposits to total assets | 62.0676% | 7,716 |
| Equity capital to assets | 25.1197% | 141 |
| Core capital (leverage) ratio | 20.4566% | 231 |
| Tier 1 risk-based capital ratio | 31.4729% | 454 |
| Total risk-based capital ratio | 31.5054% | 501 |
| Memoranda: | ||
| Average total assets | $206,792,000 | 3,132 |
| Average earning assets | $176,316,500 | 3,304 |
| Average equity | $53,662,000 | 1,245 |
| Average total loans | $103,067,500 | 3,855 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1312% | 8,008 |
| Cost of funding earning assets | 0.0505% | 7,981 |
| Net interest margin | 0.0807% | 8,001 |
| Noninterest income to average assets | 0.0083% | 7,669 |
| Noninterest expense to average assets | 0.2959% | 7,998 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.1418% | 5,749 |
| Return on assets (ROA) | -0.1418% | 5,742 |
| Pretax return on assets | -0.2147% | 5,722 |
| Return on Equity (ROE) | -1.0722% | 5,699 |
| Retained earnings to average equity (ytd only) | -1.0722% | 5,278 |
| Net charge-offs to loans | 0.4361% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -0.7910% | 6,837 |
| Efficiency ratio | 364.3836% | 50 |
| Assets per employee ($millions) | 2.8799% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 2.2784% | 3,034 |
| Noncurrent loans to loans | 4.0461% | 1,835 |
| Net loans and leases to total assets | 50.6223% | 6,566 |
| Net loans and leases to deposits | 89.4015% | 2,321 |
| Net loans and leases to core deposits | 132.6876% | 1,132 |
| Total domestic deposits to total assets | 56.6236% | 7,848 |
| Equity capital to assets | 26.8226% | 129 |
| Core capital (leverage) ratio | 26.2571% | 139 |
| Tier 1 risk-based capital ratio | 33.8327% | 379 |
| Total risk-based capital ratio | 33.8327% | 411 |
| Memoranda: | ||
| Average total assets | $179,783,600 | 3,443 |
| Average earning assets | $162,325,400 | 3,475 |
| Average equity | $23,782,200 | 2,756 |
| Average total loans | $111,900,600 | 3,649 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6382% | 3,647 |
| Cost of funding earning assets | 2.8357% | 545 |
| Net interest margin | 2.8024% | 7,061 |
| Noninterest income to average assets | 0.2164% | 6,686 |
| Noninterest expense to average assets | 3.3774% | 2,642 |
| Loan and lease loss provision to assets | 1.2007% | 1,616 |
| Net operating income to assets | -1.1779% | 6,946 |
| Return on assets (ROA) | -1.0608% | 6,875 |
| Pretax return on assets | -1.6069% | 7,013 |
| Return on Equity (ROE) | -11.4085% | 6,981 |
| Retained earnings to average equity (ytd only) | -11.4085% | 6,909 |
| Net charge-offs to loans | 0.2973% | 4,170 |
| Credit loss provision to net charge-offs | 615.6863% | 617 |
| Earnings coverage of net charge-offs (x) | -2.9922% | 6,806 |
| Efficiency ratio | 120.8869% | 577 |
| Assets per employee ($millions) | 4.0731% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6667% | 908 |
| Loan loss allowance to noncurrent loans | 46.2487% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 4.2761% | 1,454 |
| Noncurrent loans to loans | 5.7660% | 1,057 |
| Net loans and leases to total assets | 65.6124% | 4,507 |
| Net loans and leases to deposits | 91.9645% | 2,236 |
| Net loans and leases to core deposits | 136.9736% | 1,053 |
| Total domestic deposits to total assets | 71.3453% | 7,298 |
| Equity capital to assets | 9.4731% | 4,776 |
| Core capital (leverage) ratio | 9.0953% | 4,497 |
| Tier 1 risk-based capital ratio | 13.4518% | 3,895 |
| Total risk-based capital ratio | 14.7182% | 3,811 |
| Memoranda: | ||
| Average total assets | $174,331,750 | 3,547 |
| Average earning assets | $160,332,000 | 3,542 |
| Average equity | $16,209,750 | 3,870 |
| Average total loans | $114,363,250 | 3,629 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7017% | 3,531 |
| Cost of funding earning assets | 2.8626% | 667 |
| Net interest margin | 2.8392% | 6,937 |
| Noninterest income to average assets | 0.2240% | 6,688 |
| Noninterest expense to average assets | 3.1305% | 3,578 |
| Loan and lease loss provision to assets | 0.7241% | 2,264 |
| Net operating income to assets | -0.6756% | 6,729 |
| Return on assets (ROA) | -0.5023% | 6,562 |
| Pretax return on assets | -0.7603% | 6,658 |
| Return on Equity (ROE) | -5.4346% | 6,656 |
| Retained earnings to average equity (ytd only) | -5.4346% | 6,364 |
| Net charge-offs to loans | 0.2383% | 4,005 |
| Credit loss provision to net charge-offs | 467.1533% | 994 |
| Earnings coverage of net charge-offs (x) | -1.9270% | 6,346 |
| Efficiency ratio | 110.5473% | 835 |
| Assets per employee ($millions) | 4.1961% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 1,741 |
| Loan loss allowance to noncurrent loans | 71.0117% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.1704% | 2,973 |
| Noncurrent loans to loans | 2.7044% | 2,664 |
| Net loans and leases to total assets | 65.0128% | 4,762 |
| Net loans and leases to deposits | 86.2293% | 3,506 |
| Net loans and leases to core deposits | 127.4548% | 1,747 |
| Total domestic deposits to total assets | 75.3953% | 6,682 |
| Equity capital to assets | 9.2194% | 4,983 |
| Core capital (leverage) ratio | 9.4580% | 3,942 |
| Tier 1 risk-based capital ratio | 13.9352% | 3,557 |
| Total risk-based capital ratio | 15.1930% | 3,484 |
| Memoranda: | ||
| Average total assets | $176,776,000 | 3,530 |
| Average earning assets | $162,372,330 | 3,519 |
| Average equity | $16,339,670 | 3,847 |
| Average total loans | $114,959,670 | 3,648 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7133% | 3,733 |
| Cost of funding earning assets | 2.8433% | 883 |
| Net interest margin | 2.8700% | 6,832 |
| Noninterest income to average assets | 0.2322% | 6,609 |
| Noninterest expense to average assets | 2.3378% | 6,408 |
| Loan and lease loss provision to assets | 0.0893% | 5,822 |
| Net operating income to assets | 0.2942% | 5,319 |
| Return on assets (ROA) | 0.6140% | 4,151 |
| Pretax return on assets | 0.9311% | 3,600 |
| Return on Equity (ROE) | 6.6349% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.6349% | 2,359 |
| Net charge-offs to loans | 0.4609% | 2,292 |
| Credit loss provision to net charge-offs | 30.0752% | 4,946 |
| Earnings coverage of net charge-offs (x) | 1.8045% | 3,828 |
| Efficiency ratio | 81.3520% | 2,631 |
| Assets per employee ($millions) | 4.2471% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 3,482 |
| Loan loss allowance to noncurrent loans | 151.6651% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 4,750 |
| Noncurrent loans to loans | 0.9252% | 5,151 |
| Net loans and leases to total assets | 64.3198% | 4,926 |
| Net loans and leases to deposits | 85.2158% | 3,771 |
| Net loans and leases to core deposits | 127.3538% | 1,835 |
| Total domestic deposits to total assets | 75.4787% | 6,608 |
| Equity capital to assets | 9.4464% | 4,751 |
| Core capital (leverage) ratio | 9.4816% | 4,008 |
| Tier 1 risk-based capital ratio | 13.9543% | 3,619 |
| Total risk-based capital ratio | 15.2506% | 3,510 |
| Memoranda: | ||
| Average total assets | $179,144,000 | 3,519 |
| Average earning assets | $164,878,000 | 3,492 |
| Average equity | $16,579,000 | 3,822 |
| Average total loans | $115,420,500 | 3,665 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0414% | 5,348 |
| Cost of funding earning assets | 3.3686% | 765 |
| Net interest margin | 2.6728% | 7,544 |
| Noninterest income to average assets | 0.3770% | 5,671 |
| Noninterest expense to average assets | 2.1741% | 7,039 |
| Loan and lease loss provision to assets | 0.4670% | 2,961 |
| Net operating income to assets | 0.1370% | 6,012 |
| Return on assets (ROA) | 0.1370% | 5,843 |
| Pretax return on assets | 0.2025% | 5,725 |
| Return on Equity (ROE) | 1.4994% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.4994% | 4,327 |
| Net charge-offs to loans | 0.0797% | 5,624 |
| Credit loss provision to net charge-offs | 927.7778% | 479 |
| Earnings coverage of net charge-offs (x) | 13.3000% | 2,145 |
| Efficiency ratio | 76.4555% | 3,155 |
| Assets per employee ($millions) | 4.1854% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 2,979 |
| Loan loss allowance to noncurrent loans | 249.1876% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 6,136 |
| Noncurrent loans to loans | 0.5774% | 5,634 |
| Net loans and leases to total assets | 62.7505% | 5,500 |
| Net loans and leases to deposits | 88.6979% | 3,685 |
| Net loans and leases to core deposits | 134.6837% | 1,557 |
| Total domestic deposits to total assets | 70.7463% | 7,199 |
| Equity capital to assets | 9.0732% | 5,262 |
| Core capital (leverage) ratio | 9.3295% | 4,258 |
| Tier 1 risk-based capital ratio | 13.6516% | 3,725 |
| Total risk-based capital ratio | 15.0156% | 3,582 |
| Memoranda: | ||
| Average total assets | $178,786,000 | 3,422 |
| Average earning assets | $164,996,200 | 3,404 |
| Average equity | $16,340,400 | 3,858 |
| Average total loans | $112,876,200 | 3,618 |