Home > Your Community Bank > Performance and Condition Ratios
Your Community 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 | 4.2060% | 2,496 |
| Cost of funding earning assets | 0.3279% | 3,815 |
| Net interest margin | 3.8781% | 2,054 |
| Noninterest income to average assets | 0.8683% | 1,482 |
| Noninterest expense to average assets | 2.9330% | 2,573 |
| Loan and lease loss provision to assets | 0.0527% | 3,089 |
| Net operating income to assets | 1.1432% | 1,800 |
| Return on assets (ROA) | 1.1844% | 1,754 |
| Pretax return on assets | 1.4459% | 1,852 |
| Return on Equity (ROE) | 10.9483% | 1,666 |
| Retained earnings to average equity (ytd only) | 6.1348% | 2,050 |
| Net charge-offs to loans | 0.1327% | 1,533 |
| Credit loss provision to net charge-offs | 58.2734% | 2,599 |
| Earnings coverage of net charge-offs (x) | 16.0086% | 1,956 |
| Efficiency ratio | 65.2068% | 3,808 |
| Assets per employee ($millions) | 4.6650% | 2,774 |
| Cash dividends to net income (ytd only)* | 43.9657% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6090% | 5,673 |
| Loan loss allowance to noncurrent loans | 242.6405% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 3,702 |
| Noncurrent loans to loans | 0.2510% | 4,453 |
| Net loans and leases to total assets | 70.6310% | 2,379 |
| Net loans and leases to deposits | 87.3108% | 2,093 |
| Net loans and leases to core deposits | 90.4630% | 2,493 |
| Total domestic deposits to total assets | 80.8960% | 4,308 |
| Equity capital to assets | 11.2819% | 2,764 |
| Core capital (leverage) ratio | 10.1059% | 3,441 |
| Tier 1 risk-based capital ratio | 12.5977% | 4,448 |
| Total risk-based capital ratio | 15.1837% | 3,561 |
| Memoranda: | ||
| Average total assets | $1,536,306,670 | 498 |
| Average earning assets | $1,391,727,330 | 501 |
| Average equity | $166,199,670 | 491 |
| Average total loans | $1,047,498,670 | 487 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 2,594 |
| Cost of funding earning assets | 0.3218% | 3,925 |
| Net interest margin | 3.8457% | 2,119 |
| Noninterest income to average assets | 0.7447% | 1,836 |
| Noninterest expense to average assets | 2.8544% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1018% | 1,891 |
| Return on assets (ROA) | 1.1632% | 1,772 |
| Pretax return on assets | 1.4602% | 1,717 |
| Return on Equity (ROE) | 10.9834% | 1,605 |
| Retained earnings to average equity (ytd only) | 1.2139% | 4,762 |
| Net charge-offs to loans | 0.2568% | 808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.0664% | 2,090 |
| Efficiency ratio | 65.5313% | 3,873 |
| Assets per employee ($millions) | 4.5790% | 2,934 |
| Cash dividends to net income (ytd only)* | 88.9482% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5906% | 5,757 |
| Loan loss allowance to noncurrent loans | 240.5910% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 3,365 |
| Noncurrent loans to loans | 0.2455% | 4,551 |
| Net loans and leases to total assets | 67.4961% | 2,729 |
| Net loans and leases to deposits | 83.9020% | 2,313 |
| Net loans and leases to core deposits | 86.8536% | 2,671 |
| Total domestic deposits to total assets | 80.4463% | 4,652 |
| Equity capital to assets | 10.6975% | 3,261 |
| Core capital (leverage) ratio | 9.7277% | 3,874 |
| Tier 1 risk-based capital ratio | 12.3185% | 4,718 |
| Total risk-based capital ratio | 14.9011% | 3,829 |
| Memoranda: | ||
| Average total assets | $1,546,389,500 | 493 |
| Average earning assets | $1,404,574,000 | 492 |
| Average equity | $163,775,000 | 492 |
| Average total loans | $1,032,535,000 | 489 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 782 |
| Cost of funding earning assets | 0.2400% | 4,893 |
| Net interest margin | 4.6530% | 495 |
| Noninterest income to average assets | 0.8466% | 1,620 |
| Noninterest expense to average assets | 3.4628% | 1,362 |
| Loan and lease loss provision to assets | 0.1910% | 1,162 |
| Net operating income to assets | 1.1375% | 1,780 |
| Return on assets (ROA) | 1.1528% | 1,793 |
| Pretax return on assets | 1.4026% | 1,889 |
| Return on Equity (ROE) | 10.1750% | 1,947 |
| Retained earnings to average equity (ytd only) | 8.2236% | 844 |
| Net charge-offs to loans | 0.2511% | 1,196 |
| Credit loss provision to net charge-offs | 117.4524% | 2,192 |
| Earnings coverage of net charge-offs (x) | 9.6868% | 2,789 |
| Efficiency ratio | 66.7871% | 3,780 |
| Assets per employee ($millions) | 4.5179% | 3,017 |
| Cash dividends to net income (ytd only)* | 19.1779% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 5,685 |
| Loan loss allowance to noncurrent loans | 167.7111% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 2,411 |
| Noncurrent loans to loans | 0.4015% | 4,016 |
| Net loans and leases to total assets | 65.2069% | 3,093 |
| Net loans and leases to deposits | 79.9504% | 2,829 |
| Net loans and leases to core deposits | 82.7605% | 3,071 |
| Total domestic deposits to total assets | 81.5592% | 4,315 |
| Equity capital to assets | 10.4846% | 3,379 |
| Core capital (leverage) ratio | 9.6621% | 3,956 |
| Tier 1 risk-based capital ratio | 12.9452% | 4,358 |
| Total risk-based capital ratio | 13.5417% | 4,662 |
| Memoranda: | ||
| Average total assets | $1,356,899,200 | 528 |
| Average earning assets | $1,222,211,600 | 537 |
| Average equity | $153,740,000 | 495 |
| Average total loans | $878,463,000 | 540 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0438% | 566 |
| Cost of funding earning assets | 0.2417% | 4,975 |
| Net interest margin | 4.8020% | 376 |
| Noninterest income to average assets | 0.9094% | 1,426 |
| Noninterest expense to average assets | 3.6812% | 1,005 |
| Loan and lease loss provision to assets | 0.2303% | 794 |
| Net operating income to assets | 1.1009% | 1,999 |
| Return on assets (ROA) | 1.1052% | 2,060 |
| Pretax return on assets | 1.3235% | 2,306 |
| Return on Equity (ROE) | 9.5434% | 2,296 |
| Retained earnings to average equity (ytd only) | 6.9042% | 1,733 |
| Net charge-offs to loans | 0.3652% | 713 |
| Credit loss provision to net charge-offs | 97.8364% | 2,339 |
| Earnings coverage of net charge-offs (x) | 6.5781% | 3,031 |
| Efficiency ratio | 68.3861% | 3,470 |
| Assets per employee ($millions) | 4.4436% | 3,106 |
| Cash dividends to net income (ytd only)* | 27.6549% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 5,848 |
| Loan loss allowance to noncurrent loans | 142.8953% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 2,737 |
| Noncurrent loans to loans | 0.4430% | 4,018 |
| Net loans and leases to total assets | 64.2041% | 3,278 |
| Net loans and leases to deposits | 80.3884% | 2,834 |
| Net loans and leases to core deposits | 83.2242% | 3,132 |
| Total domestic deposits to total assets | 79.8673% | 4,779 |
| Equity capital to assets | 11.6732% | 2,367 |
| Core capital (leverage) ratio | 10.9719% | 2,518 |
| Tier 1 risk-based capital ratio | 15.0179% | 3,279 |
| Total risk-based capital ratio | 15.5874% | 3,580 |
| Memoranda: | ||
| Average total assets | $1,308,712,250 | 550 |
| Average earning assets | $1,177,504,750 | 550 |
| Average equity | $151,556,500 | 505 |
| Average total loans | $843,746,750 | 558 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9675% | 626 |
| Cost of funding earning assets | 0.2443% | 5,003 |
| Net interest margin | 4.7231% | 425 |
| Noninterest income to average assets | 0.7801% | 1,868 |
| Noninterest expense to average assets | 3.6539% | 1,046 |
| Loan and lease loss provision to assets | 0.3632% | 355 |
| Net operating income to assets | 0.8542% | 3,115 |
| Return on assets (ROA) | 0.8531% | 3,219 |
| Pretax return on assets | 1.0011% | 3,587 |
| Return on Equity (ROE) | 7.3922% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.3922% | 1,524 |
| Net charge-offs to loans | 0.1410% | 1,657 |
| Credit loss provision to net charge-offs | 399.8198% | 750 |
| Earnings coverage of net charge-offs (x) | 15.0342% | 2,007 |
| Efficiency ratio | 70.9269% | 3,173 |
| Assets per employee ($millions) | 6.1933% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 5,629 |
| Loan loss allowance to noncurrent loans | 68.8113% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 2,045 |
| Noncurrent loans to loans | 1.1449% | 2,361 |
| Net loans and leases to total assets | 63.3666% | 3,358 |
| Net loans and leases to deposits | 77.0468% | 3,155 |
| Net loans and leases to core deposits | 79.6712% | 3,428 |
| Total domestic deposits to total assets | 82.2443% | 4,215 |
| Equity capital to assets | 11.3706% | 2,516 |
| Core capital (leverage) ratio | 10.4277% | 3,050 |
| Tier 1 risk-based capital ratio | 14.3664% | 3,720 |
| Total risk-based capital ratio | 15.0634% | 3,962 |
| Memoranda: | ||
| Average total assets | $1,222,084,000 | 579 |
| Average earning assets | $1,096,898,670 | 585 |
| Average equity | $141,040,000 | 538 |
| Average total loans | $787,156,000 | 595 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 310 |
| Cost of funding earning assets | 0.2835% | 4,627 |
| Net interest margin | 5.1020% | 208 |
| Noninterest income to average assets | 0.7510% | 1,914 |
| Noninterest expense to average assets | 4.7037% | 371 |
| Loan and lease loss provision to assets | 0.0535% | 2,872 |
| Net operating income to assets | 0.5067% | 4,649 |
| Return on assets (ROA) | 0.5042% | 4,782 |
| Pretax return on assets | 0.5691% | 4,997 |
| Return on Equity (ROE) | 4.3274% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.3274% | 3,418 |
| Net charge-offs to loans | -0.3557% | 6,183 |
| Credit loss provision to net charge-offs | -23.2087% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3242% | 1,150 |
| Assets per employee ($millions) | 6.0123% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6907% | 5,920 |
| Loan loss allowance to noncurrent loans | 40.4042% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 2.0481% | 1,152 |
| Noncurrent loans to loans | 1.7095% | 1,604 |
| Net loans and leases to total assets | 61.5581% | 3,439 |
| Net loans and leases to deposits | 74.7155% | 3,197 |
| Net loans and leases to core deposits | 77.6120% | 3,418 |
| Total domestic deposits to total assets | 82.3900% | 4,383 |
| Equity capital to assets | 10.9607% | 3,013 |
| Core capital (leverage) ratio | 9.8312% | 3,847 |
| Tier 1 risk-based capital ratio | 13.7336% | 4,196 |
| Total risk-based capital ratio | 14.3398% | 4,480 |
| Memoranda: | ||
| Average total assets | $1,114,708,500 | 632 |
| Average earning assets | $1,000,227,000 | 646 |
| Average equity | $129,871,500 | 589 |
| Average total loans | $721,882,000 | 644 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,438 |
| Cost of funding earning assets | 0.1981% | 5,761 |
| Net interest margin | 4.1470% | 1,445 |
| Noninterest income to average assets | 0.7313% | 2,159 |
| Noninterest expense to average assets | 2.7919% | 3,511 |
| Loan and lease loss provision to assets | 0.1343% | 1,949 |
| Net operating income to assets | 1.2398% | 1,467 |
| Return on assets (ROA) | 1.2877% | 1,384 |
| Pretax return on assets | 1.6472% | 1,101 |
| Return on Equity (ROE) | 11.2190% | 1,650 |
| Retained earnings to average equity (ytd only) | 6.4317% | 1,692 |
| Net charge-offs to loans | 0.5157% | 796 |
| Credit loss provision to net charge-offs | 37.6009% | 3,721 |
| Earnings coverage of net charge-offs (x) | 4.8143% | 3,560 |
| Efficiency ratio | 61.4809% | 4,994 |
| Assets per employee ($millions) | 6.3623% | 1,141 |
| Cash dividends to net income (ytd only)* | 42.6712% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 4,744 |
| Loan loss allowance to noncurrent loans | 96.6985% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 2,342 |
| Noncurrent loans to loans | 1.0999% | 2,631 |
| Net loans and leases to total assets | 69.5450% | 2,298 |
| Net loans and leases to deposits | 94.0532% | 1,069 |
| Net loans and leases to core deposits | 98.3777% | 1,520 |
| Total domestic deposits to total assets | 73.9422% | 5,953 |
| Equity capital to assets | 13.0272% | 1,359 |
| Core capital (leverage) ratio | 12.8597% | 1,191 |
| Tier 1 risk-based capital ratio | 17.0799% | 2,480 |
| Total risk-based capital ratio | 18.0869% | 2,530 |
| Memoranda: | ||
| Average total assets | $727,970,600 | 924 |
| Average earning assets | $663,661,800 | 927 |
| Average equity | $83,554,800 | 883 |
| Average total loans | $504,389,800 | 886 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2478% | 2,815 |
| Cost of funding earning assets | 0.2007% | 5,820 |
| Net interest margin | 4.0471% | 1,732 |
| Noninterest income to average assets | 0.7419% | 2,129 |
| Noninterest expense to average assets | 2.8325% | 3,341 |
| Loan and lease loss provision to assets | 0.0794% | 2,759 |
| Net operating income to assets | 1.1858% | 1,729 |
| Return on assets (ROA) | 1.2508% | 1,576 |
| Pretax return on assets | 1.5901% | 1,357 |
| Return on Equity (ROE) | 11.2898% | 1,689 |
| Retained earnings to average equity (ytd only) | 4.6399% | 3,331 |
| Net charge-offs to loans | 0.1729% | 2,070 |
| Credit loss provision to net charge-offs | 66.5123% | 2,826 |
| Earnings coverage of net charge-offs (x) | 13.2978% | 2,242 |
| Efficiency ratio | 63.6799% | 4,603 |
| Assets per employee ($millions) | 6.4229% | 1,060 |
| Cash dividends to net income (ytd only)* | 58.9015% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 3,349 |
| Loan loss allowance to noncurrent loans | 90.2057% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5334% | 2,004 |
| Noncurrent loans to loans | 1.5085% | 2,148 |
| Net loans and leases to total assets | 69.0206% | 2,361 |
| Net loans and leases to deposits | 92.0475% | 1,223 |
| Net loans and leases to core deposits | 95.6076% | 1,712 |
| Total domestic deposits to total assets | 74.9837% | 5,926 |
| Equity capital to assets | 11.4316% | 2,548 |
| Core capital (leverage) ratio | 11.2227% | 2,291 |
| Tier 1 risk-based capital ratio | 15.1632% | 3,499 |
| Total risk-based capital ratio | 16.4137% | 3,432 |
| Memoranda: | ||
| Average total assets | $723,866,250 | 937 |
| Average earning assets | $657,801,500 | 943 |
| Average equity | $80,200,250 | 914 |
| Average total loans | $499,674,750 | 898 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 2,979 |
| Cost of funding earning assets | 0.2056% | 5,868 |
| Net interest margin | 3.9864% | 1,854 |
| Noninterest income to average assets | 0.6881% | 2,339 |
| Noninterest expense to average assets | 2.8088% | 3,470 |
| Loan and lease loss provision to assets | 0.1129% | 2,141 |
| Net operating income to assets | 1.0981% | 1,950 |
| Return on assets (ROA) | 1.1591% | 1,796 |
| Pretax return on assets | 1.4517% | 1,708 |
| Return on Equity (ROE) | 10.5754% | 1,906 |
| Retained earnings to average equity (ytd only) | 0.4530% | 5,564 |
| Net charge-offs to loans | -0.0492% | 5,864 |
| Credit loss provision to net charge-offs | -333.6066% | 5,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9390% | 4,544 |
| Assets per employee ($millions) | 6.4928% | 1,018 |
| Cash dividends to net income (ytd only)* | 95.7167% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 2,828 |
| Loan loss allowance to noncurrent loans | 96.9111% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.7204% | 1,900 |
| Noncurrent loans to loans | 1.5638% | 2,217 |
| Net loans and leases to total assets | 68.3613% | 2,358 |
| Net loans and leases to deposits | 88.1033% | 1,586 |
| Net loans and leases to core deposits | 91.3598% | 1,992 |
| Total domestic deposits to total assets | 77.5923% | 5,708 |
| Equity capital to assets | 11.0249% | 2,848 |
| Core capital (leverage) ratio | 10.9813% | 2,442 |
| Tier 1 risk-based capital ratio | 14.6158% | 3,857 |
| Total risk-based capital ratio | 15.8679% | 3,805 |
| Memoranda: | ||
| Average total assets | $721,085,000 | 940 |
| Average earning assets | $652,816,000 | 950 |
| Average equity | $79,032,670 | 924 |
| Average total loans | $495,450,330 | 896 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 3,156 |
| Cost of funding earning assets | 0.2110% | 5,910 |
| Net interest margin | 3.9208% | 2,014 |
| Noninterest income to average assets | 0.6441% | 2,494 |
| Noninterest expense to average assets | 2.9128% | 3,165 |
| Loan and lease loss provision to assets | 0.1651% | 1,466 |
| Net operating income to assets | 0.9346% | 2,484 |
| Return on assets (ROA) | 1.0649% | 2,021 |
| Pretax return on assets | 1.2558% | 2,262 |
| Return on Equity (ROE) | 9.7459% | 2,135 |
| Retained earnings to average equity (ytd only) | -10.7394% | 6,386 |
| Net charge-offs to loans | -0.0852% | 6,054 |
| Credit loss provision to net charge-offs | -283.6538% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6787% | 3,883 |
| Assets per employee ($millions) | 6.1153% | 1,232 |
| Cash dividends to net income (ytd only)* | 210.1944% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,009 |
| Loan loss allowance to noncurrent loans | 99.1895% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.7830% | 1,974 |
| Noncurrent loans to loans | 1.5447% | 2,496 |
| Net loans and leases to total assets | 68.1559% | 2,193 |
| Net loans and leases to deposits | 89.0520% | 1,248 |
| Net loans and leases to core deposits | 93.1342% | 1,629 |
| Total domestic deposits to total assets | 76.5349% | 6,023 |
| Equity capital to assets | 10.8312% | 2,902 |
| Core capital (leverage) ratio | 10.8234% | 2,568 |
| Tier 1 risk-based capital ratio | 14.4262% | 4,046 |
| Total risk-based capital ratio | 15.6784% | 4,006 |
| Memoranda: | ||
| Average total assets | $714,785,500 | 949 |
| Average earning assets | $644,664,500 | 966 |
| Average equity | $78,105,000 | 938 |
| Average total loans | $488,538,500 | 910 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 2,506 |
| Cost of funding earning assets | 0.2553% | 5,934 |
| Net interest margin | 4.1657% | 1,452 |
| Noninterest income to average assets | 0.9601% | 1,494 |
| Noninterest expense to average assets | 2.9364% | 3,246 |
| Loan and lease loss provision to assets | 0.4923% | 571 |
| Net operating income to assets | 1.0556% | 2,090 |
| Return on assets (ROA) | 1.1379% | 1,864 |
| Pretax return on assets | 1.4119% | 1,745 |
| Return on Equity (ROE) | 9.6586% | 2,258 |
| Retained earnings to average equity (ytd only) | -3.5086% | 6,292 |
| Net charge-offs to loans | 0.8250% | 751 |
| Credit loss provision to net charge-offs | 93.5466% | 2,662 |
| Earnings coverage of net charge-offs (x) | 3.4253% | 3,858 |
| Efficiency ratio | 61.9625% | 5,222 |
| Assets per employee ($millions) | 6.1559% | 1,171 |
| Cash dividends to net income (ytd only)* | 136.3265% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 3,236 |
| Loan loss allowance to noncurrent loans | 124.0766% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 2,552 |
| Noncurrent loans to loans | 1.2025% | 3,142 |
| Net loans and leases to total assets | 66.4702% | 2,619 |
| Net loans and leases to deposits | 88.8831% | 1,362 |
| Net loans and leases to core deposits | 92.4554% | 1,740 |
| Total domestic deposits to total assets | 74.7838% | 6,218 |
| Equity capital to assets | 11.0231% | 2,587 |
| Core capital (leverage) ratio | 11.1065% | 2,287 |
| Tier 1 risk-based capital ratio | 14.8856% | 3,728 |
| Total risk-based capital ratio | 16.1368% | 3,678 |
| Memoranda: | ||
| Average total assets | $688,996,200 | 960 |
| Average earning assets | $625,029,200 | 971 |
| Average equity | $81,171,600 | 881 |
| Average total loans | $439,512,600 | 973 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 2,528 |
| Cost of funding earning assets | 0.2571% | 6,032 |
| Net interest margin | 4.1623% | 1,446 |
| Noninterest income to average assets | 1.0647% | 1,290 |
| Noninterest expense to average assets | 2.9868% | 3,038 |
| Loan and lease loss provision to assets | 0.5361% | 497 |
| Net operating income to assets | 1.0664% | 2,128 |
| Return on assets (ROA) | 1.1452% | 1,903 |
| Pretax return on assets | 1.4248% | 1,850 |
| Return on Equity (ROE) | 9.5597% | 2,370 |
| Retained earnings to average equity (ytd only) | -3.7887% | 6,427 |
| Net charge-offs to loans | 0.5424% | 1,173 |
| Credit loss provision to net charge-offs | 157.3066% | 1,505 |
| Earnings coverage of net charge-offs (x) | 5.4653% | 3,185 |
| Efficiency ratio | 61.5924% | 5,191 |
| Assets per employee ($millions) | 5.9832% | 1,253 |
| Cash dividends to net income (ytd only)* | 139.6317% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 2,318 |
| Loan loss allowance to noncurrent loans | 98.8731% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 2.4786% | 1,555 |
| Noncurrent loans to loans | 1.8160% | 2,478 |
| Net loans and leases to total assets | 65.8082% | 2,673 |
| Net loans and leases to deposits | 86.0096% | 1,617 |
| Net loans and leases to core deposits | 88.8296% | 2,096 |
| Total domestic deposits to total assets | 76.5126% | 6,112 |
| Equity capital to assets | 11.1914% | 2,572 |
| Core capital (leverage) ratio | 11.5183% | 2,027 |
| Tier 1 risk-based capital ratio | 15.2298% | 3,602 |
| Total risk-based capital ratio | 16.4844% | 3,554 |
| Memoranda: | ||
| Average total assets | $682,724,750 | 982 |
| Average earning assets | $620,759,750 | 990 |
| Average equity | $81,786,000 | 876 |
| Average total loans | $428,930,500 | 998 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 3,050 |
| Cost of funding earning assets | 0.2727% | 6,033 |
| Net interest margin | 4.0034% | 1,846 |
| Noninterest income to average assets | 1.2556% | 985 |
| Noninterest expense to average assets | 2.9222% | 3,266 |
| Loan and lease loss provision to assets | 0.7888% | 273 |
| Net operating income to assets | 0.9743% | 2,448 |
| Return on assets (ROA) | 1.0949% | 2,059 |
| Pretax return on assets | 1.3493% | 2,126 |
| Return on Equity (ROE) | 8.9373% | 2,641 |
| Retained earnings to average equity (ytd only) | -4.3264% | 6,419 |
| Net charge-offs to loans | 0.7398% | 876 |
| Credit loss provision to net charge-offs | 173.7150% | 1,362 |
| Earnings coverage of net charge-offs (x) | 4.3806% | 3,149 |
| Efficiency ratio | 59.4983% | 5,541 |
| Assets per employee ($millions) | 6.5251% | 889 |
| Cash dividends to net income (ytd only)* | 148.4080% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 2,377 |
| Loan loss allowance to noncurrent loans | 78.7628% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.7938% | 1,482 |
| Noncurrent loans to loans | 2.3080% | 2,049 |
| Net loans and leases to total assets | 66.1868% | 2,555 |
| Net loans and leases to deposits | 82.8909% | 1,943 |
| Net loans and leases to core deposits | 85.6973% | 2,363 |
| Total domestic deposits to total assets | 79.8481% | 5,642 |
| Equity capital to assets | 11.3179% | 2,444 |
| Core capital (leverage) ratio | 11.2608% | 2,118 |
| Tier 1 risk-based capital ratio | 15.3583% | 3,557 |
| Total risk-based capital ratio | 16.6131% | 3,515 |
| Memoranda: | ||
| Average total assets | $676,953,330 | 987 |
| Average earning assets | $618,168,330 | 997 |
| Average equity | $82,933,330 | 867 |
| Average total loans | $415,538,670 | 1,026 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 3,670 |
| Cost of funding earning assets | 0.3035% | 5,941 |
| Net interest margin | 3.8096% | 2,410 |
| Noninterest income to average assets | 0.6909% | 2,643 |
| Noninterest expense to average assets | 2.8136% | 3,646 |
| Loan and lease loss provision to assets | 0.1321% | 2,585 |
| Net operating income to assets | 1.0097% | 2,182 |
| Return on assets (ROA) | 1.0127% | 2,290 |
| Pretax return on assets | 1.2228% | 2,498 |
| Return on Equity (ROE) | 7.9491% | 3,006 |
| Retained earnings to average equity (ytd only) | -3.8308% | 6,261 |
| Net charge-offs to loans | 1.2341% | 467 |
| Credit loss provision to net charge-offs | 18.3793% | 3,060 |
| Earnings coverage of net charge-offs (x) | 1.8805% | 3,212 |
| Efficiency ratio | 67.5555% | 4,398 |
| Assets per employee ($millions) | 6.2250% | 1,124 |
| Cash dividends to net income (ytd only)* | 148.1921% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,197 |
| Loan loss allowance to noncurrent loans | 48.9111% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 2.7339% | 1,661 |
| Noncurrent loans to loans | 3.3730% | 1,435 |
| Net loans and leases to total assets | 57.6915% | 3,816 |
| Net loans and leases to deposits | 76.6812% | 2,525 |
| Net loans and leases to core deposits | 80.0347% | 2,802 |
| Total domestic deposits to total assets | 75.2356% | 6,435 |
| Equity capital to assets | 12.6124% | 1,639 |
| Core capital (leverage) ratio | 12.1540% | 1,486 |
| Tier 1 risk-based capital ratio | 17.4476% | 2,584 |
| Total risk-based capital ratio | 18.6877% | 2,546 |
| Memoranda: | ||
| Average total assets | $666,337,000 | 1,010 |
| Average earning assets | $607,615,000 | 1,025 |
| Average equity | $84,890,000 | 852 |
| Average total loans | $387,976,500 | 1,102 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 3,945 |
| Cost of funding earning assets | 0.4943% | 5,258 |
| Net interest margin | 3.8760% | 2,922 |
| Noninterest income to average assets | 0.7408% | 2,538 |
| Noninterest expense to average assets | 2.5892% | 4,777 |
| Loan and lease loss provision to assets | 0.5588% | 1,017 |
| Net operating income to assets | 0.9098% | 2,770 |
| Return on assets (ROA) | 1.1728% | 1,855 |
| Pretax return on assets | 1.4523% | 1,844 |
| Return on Equity (ROE) | 9.4776% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.4712% | 1,837 |
| Net charge-offs to loans | 1.3225% | 728 |
| Credit loss provision to net charge-offs | 69.9646% | 4,166 |
| Earnings coverage of net charge-offs (x) | 2.1114% | 4,358 |
| Efficiency ratio | 60.5583% | 5,456 |
| Assets per employee ($millions) | 6.2299% | 1,145 |
| Cash dividends to net income (ytd only)* | 31.7219% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 2,204 |
| Loan loss allowance to noncurrent loans | 115.6050% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.7291% | 2,803 |
| Noncurrent loans to loans | 1.6668% | 3,127 |
| Net loans and leases to total assets | 56.6780% | 4,168 |
| Net loans and leases to deposits | 76.2601% | 2,760 |
| Net loans and leases to core deposits | 80.1624% | 2,986 |
| Total domestic deposits to total assets | 74.3220% | 6,499 |
| Equity capital to assets | 12.8671% | 1,507 |
| Core capital (leverage) ratio | 12.2676% | 1,417 |
| Tier 1 risk-based capital ratio | 17.6752% | 2,389 |
| Total risk-based capital ratio | 18.9174% | 2,357 |
| Memoranda: | ||
| Average total assets | $671,989,800 | 975 |
| Average earning assets | $612,822,600 | 980 |
| Average equity | $83,153,600 | 845 |
| Average total loans | $405,809,000 | 1,029 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 3,974 |
| Cost of funding earning assets | 0.5263% | 5,268 |
| Net interest margin | 3.8920% | 2,942 |
| Noninterest income to average assets | 0.7473% | 2,498 |
| Noninterest expense to average assets | 2.5645% | 4,862 |
| Loan and lease loss provision to assets | 0.5962% | 934 |
| Net operating income to assets | 0.9277% | 2,841 |
| Return on assets (ROA) | 1.1546% | 2,082 |
| Pretax return on assets | 1.4207% | 2,172 |
| Return on Equity (ROE) | 9.4237% | 2,626 |
| Retained earnings to average equity (ytd only) | 5.3834% | 3,106 |
| Net charge-offs to loans | 1.6521% | 502 |
| Credit loss provision to net charge-offs | 59.1320% | 4,164 |
| Earnings coverage of net charge-offs (x) | 1.7225% | 4,408 |
| Efficiency ratio | 59.6216% | 5,562 |
| Assets per employee ($millions) | 6.3903% | 1,003 |
| Cash dividends to net income (ytd only)* | 42.8743% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 2,878 |
| Loan loss allowance to noncurrent loans | 56.5228% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 3.2986% | 1,548 |
| Noncurrent loans to loans | 3.1385% | 1,769 |
| Net loans and leases to total assets | 57.3862% | 4,220 |
| Net loans and leases to deposits | 77.8299% | 2,688 |
| Net loans and leases to core deposits | 82.7887% | 2,864 |
| Total domestic deposits to total assets | 73.7328% | 6,620 |
| Equity capital to assets | 12.6235% | 1,808 |
| Core capital (leverage) ratio | 11.7586% | 1,802 |
| Tier 1 risk-based capital ratio | 16.8038% | 2,837 |
| Total risk-based capital ratio | 18.0441% | 2,799 |
| Memoranda: | ||
| Average total assets | $673,338,000 | 981 |
| Average earning assets | $614,860,500 | 985 |
| Average equity | $82,499,000 | 852 |
| Average total loans | $410,952,000 | 1,026 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 3,972 |
| Cost of funding earning assets | 0.5430% | 5,347 |
| Net interest margin | 3.9083% | 2,870 |
| Noninterest income to average assets | 0.7797% | 2,293 |
| Noninterest expense to average assets | 2.5891% | 4,816 |
| Loan and lease loss provision to assets | 0.6485% | 875 |
| Net operating income to assets | 0.9097% | 2,865 |
| Return on assets (ROA) | 1.1897% | 1,947 |
| Pretax return on assets | 1.4647% | 1,971 |
| Return on Equity (ROE) | 9.8086% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.8086% | 1,027 |
| Net charge-offs to loans | 0.6984% | 1,586 |
| Credit loss provision to net charge-offs | 150.0343% | 1,840 |
| Earnings coverage of net charge-offs (x) | 4.0892% | 3,178 |
| Efficiency ratio | 59.4280% | 5,671 |
| Assets per employee ($millions) | 6.6313% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3399% | 1,518 |
| Loan loss allowance to noncurrent loans | 70.7690% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.5679% | 2,172 |
| Noncurrent loans to loans | 3.3064% | 1,764 |
| Net loans and leases to total assets | 58.5276% | 4,078 |
| Net loans and leases to deposits | 81.0427% | 2,222 |
| Net loans and leases to core deposits | 85.9307% | 2,436 |
| Total domestic deposits to total assets | 72.2182% | 6,789 |
| Equity capital to assets | 12.1183% | 2,054 |
| Core capital (leverage) ratio | 11.9148% | 1,645 |
| Tier 1 risk-based capital ratio | 16.4492% | 2,948 |
| Total risk-based capital ratio | 17.7093% | 2,904 |
| Memoranda: | ||
| Average total assets | $674,122,670 | 977 |
| Average earning assets | $616,988,670 | 978 |
| Average equity | $81,764,670 | 848 |
| Average total loans | $417,267,330 | 1,006 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 3,727 |
| Cost of funding earning assets | 0.5501% | 5,498 |
| Net interest margin | 3.9985% | 2,516 |
| Noninterest income to average assets | 0.8006% | 2,164 |
| Noninterest expense to average assets | 2.5929% | 4,846 |
| Loan and lease loss provision to assets | 0.8313% | 572 |
| Net operating income to assets | 0.8311% | 3,246 |
| Return on assets (ROA) | 1.1824% | 1,968 |
| Pretax return on assets | 1.4726% | 1,949 |
| Return on Equity (ROE) | 9.7442% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.7442% | 1,339 |
| Net charge-offs to loans | 0.8398% | 1,228 |
| Credit loss provision to net charge-offs | 157.3059% | 1,612 |
| Earnings coverage of net charge-offs (x) | 3.5285% | 2,808 |
| Efficiency ratio | 58.1675% | 5,894 |
| Assets per employee ($millions) | 6.4565% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2852% | 1,700 |
| Loan loss allowance to noncurrent loans | 69.6386% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 2.5110% | 2,360 |
| Noncurrent loans to loans | 3.2816% | 1,948 |
| Net loans and leases to total assets | 61.3205% | 3,390 |
| Net loans and leases to deposits | 85.1761% | 1,513 |
| Net loans and leases to core deposits | 90.0174% | 1,849 |
| Total domestic deposits to total assets | 71.9926% | 6,880 |
| Equity capital to assets | 12.2322% | 1,891 |
| Core capital (leverage) ratio | 11.9880% | 1,597 |
| Tier 1 risk-based capital ratio | 16.2468% | 3,046 |
| Total risk-based capital ratio | 17.5057% | 3,000 |
| Memoranda: | ||
| Average total assets | $663,040,000 | 994 |
| Average earning assets | $606,426,500 | 993 |
| Average equity | $80,458,000 | 860 |
| Average total loans | $417,258,500 | 1,001 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 4,483 |
| Cost of funding earning assets | 0.7788% | 5,008 |
| Net interest margin | 3.8643% | 3,497 |
| Noninterest income to average assets | 0.7464% | 2,356 |
| Noninterest expense to average assets | 2.5772% | 5,179 |
| Loan and lease loss provision to assets | 0.6270% | 1,633 |
| Net operating income to assets | 0.8314% | 2,908 |
| Return on assets (ROA) | 1.1285% | 1,850 |
| Pretax return on assets | 1.4463% | 1,634 |
| Return on Equity (ROE) | 10.0129% | 2,057 |
| Retained earnings to average equity (ytd only) | 3.2511% | 3,910 |
| Net charge-offs to loans | 1.1271% | 1,516 |
| Credit loss provision to net charge-offs | 87.3090% | 4,137 |
| Earnings coverage of net charge-offs (x) | 2.3565% | 4,043 |
| Efficiency ratio | 60.3613% | 5,696 |
| Assets per employee ($millions) | 6.2364% | 1,080 |
| Cash dividends to net income (ytd only)* | 67.5311% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1657% | 1,870 |
| Loan loss allowance to noncurrent loans | 64.6928% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.6240% | 2,316 |
| Noncurrent loans to loans | 3.3477% | 1,935 |
| Net loans and leases to total assets | 61.7420% | 3,653 |
| Net loans and leases to deposits | 85.7980% | 1,694 |
| Net loans and leases to core deposits | 90.6349% | 2,030 |
| Total domestic deposits to total assets | 71.9620% | 6,870 |
| Equity capital to assets | 12.0367% | 2,097 |
| Core capital (leverage) ratio | 11.7329% | 1,747 |
| Tier 1 risk-based capital ratio | 15.8852% | 3,103 |
| Total risk-based capital ratio | 17.1429% | 3,061 |
| Memoranda: | ||
| Average total assets | $656,109,000 | 988 |
| Average earning assets | $598,199,200 | 979 |
| Average equity | $73,944,600 | 911 |
| Average total loans | $418,056,000 | 1,007 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 4,627 |
| Cost of funding earning assets | 0.8304% | 4,943 |
| Net interest margin | 3.8311% | 3,714 |
| Noninterest income to average assets | 0.7006% | 2,605 |
| Noninterest expense to average assets | 2.5458% | 5,301 |
| Loan and lease loss provision to assets | 0.4825% | 2,057 |
| Net operating income to assets | 0.9020% | 2,733 |
| Return on assets (ROA) | 1.1568% | 1,906 |
| Pretax return on assets | 1.4916% | 1,674 |
| Return on Equity (ROE) | 10.4438% | 2,056 |
| Retained earnings to average equity (ytd only) | 4.0106% | 3,862 |
| Net charge-offs to loans | 1.3283% | 1,149 |
| Credit loss provision to net charge-offs | 56.8754% | 4,877 |
| Earnings coverage of net charge-offs (x) | 1.9417% | 4,198 |
| Efficiency ratio | 60.7138% | 5,605 |
| Assets per employee ($millions) | 3.6150% | 4,721 |
| Cash dividends to net income (ytd only)* | 61.5980% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 2,698 |
| Loan loss allowance to noncurrent loans | 51.7775% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.6135% | 2,472 |
| Noncurrent loans to loans | 3.6235% | 1,893 |
| Net loans and leases to total assets | 62.6333% | 3,581 |
| Net loans and leases to deposits | 84.4468% | 1,925 |
| Net loans and leases to core deposits | 87.9458% | 2,502 |
| Total domestic deposits to total assets | 74.1689% | 6,735 |
| Equity capital to assets | 12.2831% | 2,033 |
| Core capital (leverage) ratio | 11.8911% | 1,770 |
| Tier 1 risk-based capital ratio | 16.0257% | 3,106 |
| Total risk-based capital ratio | 17.2804% | 3,064 |
| Memoranda: | ||
| Average total assets | $654,872,250 | 998 |
| Average earning assets | $596,998,750 | 990 |
| Average equity | $72,538,500 | 937 |
| Average total loans | $418,274,000 | 1,006 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 4,463 |
| Cost of funding earning assets | 0.8685% | 4,917 |
| Net interest margin | 3.8483% | 3,544 |
| Noninterest income to average assets | 0.7260% | 2,398 |
| Noninterest expense to average assets | 2.6019% | 5,171 |
| Loan and lease loss provision to assets | 0.4488% | 2,178 |
| Net operating income to assets | 0.9127% | 2,587 |
| Return on assets (ROA) | 1.1602% | 1,768 |
| Pretax return on assets | 1.5019% | 1,525 |
| Return on Equity (ROE) | 10.8684% | 1,840 |
| Retained earnings to average equity (ytd only) | 6.5782% | 2,091 |
| Net charge-offs to loans | 0.7284% | 2,052 |
| Credit loss provision to net charge-offs | 96.4567% | 3,261 |
| Earnings coverage of net charge-offs (x) | 3.5013% | 3,152 |
| Efficiency ratio | 61.4952% | 5,656 |
| Assets per employee ($millions) | 6.2703% | 1,037 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2930% | 1,753 |
| Loan loss allowance to noncurrent loans | 62.7596% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.7779% | 2,412 |
| Noncurrent loans to loans | 3.6536% | 1,923 |
| Net loans and leases to total assets | 63.1997% | 3,641 |
| Net loans and leases to deposits | 83.0760% | 2,263 |
| Net loans and leases to core deposits | 86.5359% | 2,822 |
| Total domestic deposits to total assets | 76.0745% | 6,589 |
| Equity capital to assets | 11.1840% | 2,780 |
| Core capital (leverage) ratio | 10.8576% | 2,367 |
| Tier 1 risk-based capital ratio | 14.6448% | 3,702 |
| Total risk-based capital ratio | 15.9041% | 3,663 |
| Memoranda: | ||
| Average total assets | $655,056,000 | 1,005 |
| Average earning assets | $596,632,670 | 1,000 |
| Average equity | $69,927,670 | 970 |
| Average total loans | $418,479,000 | 1,025 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 4,432 |
| Cost of funding earning assets | 0.9026% | 4,900 |
| Net interest margin | 3.8167% | 3,525 |
| Noninterest income to average assets | 0.7052% | 2,548 |
| Noninterest expense to average assets | 2.6480% | 5,049 |
| Loan and lease loss provision to assets | 0.3820% | 2,271 |
| Net operating income to assets | 0.8837% | 2,644 |
| Return on assets (ROA) | 1.1563% | 1,694 |
| Pretax return on assets | 1.5038% | 1,437 |
| Return on Equity (ROE) | 11.0911% | 1,709 |
| Retained earnings to average equity (ytd only) | 11.0911% | 884 |
| Net charge-offs to loans | 0.6800% | 1,856 |
| Credit loss provision to net charge-offs | 88.4831% | 2,963 |
| Earnings coverage of net charge-offs (x) | 3.5478% | 2,710 |
| Efficiency ratio | 63.3541% | 5,465 |
| Assets per employee ($millions) | 6.4117% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3045% | 1,752 |
| Loan loss allowance to noncurrent loans | 78.4412% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 2.2763% | 2,974 |
| Noncurrent loans to loans | 2.9378% | 2,556 |
| Net loans and leases to total assets | 61.9122% | 3,878 |
| Net loans and leases to deposits | 81.6057% | 2,426 |
| Net loans and leases to core deposits | 85.2695% | 2,997 |
| Total domestic deposits to total assets | 75.8674% | 6,687 |
| Equity capital to assets | 10.7135% | 2,972 |
| Core capital (leverage) ratio | 10.5490% | 2,566 |
| Tier 1 risk-based capital ratio | 14.3510% | 3,835 |
| Total risk-based capital ratio | 15.6100% | 3,795 |
| Memoranda: | ||
| Average total assets | $659,663,000 | 1,007 |
| Average earning assets | $600,515,500 | 1,000 |
| Average equity | $68,776,000 | 975 |
| Average total loans | $418,844,000 | 1,032 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 5,432 |
| Cost of funding earning assets | 1.0262% | 5,556 |
| Net interest margin | 3.7681% | 4,072 |
| Noninterest income to average assets | 0.7521% | 2,531 |
| Noninterest expense to average assets | 2.5199% | 5,715 |
| Loan and lease loss provision to assets | 0.4793% | 3,261 |
| Net operating income to assets | 0.8848% | 2,448 |
| Return on assets (ROA) | 1.0444% | 1,992 |
| Pretax return on assets | 1.3313% | 1,854 |
| Return on Equity (ROE) | 10.7954% | 1,647 |
| Retained earnings to average equity (ytd only) | 10.7954% | 404 |
| Net charge-offs to loans | 1.6196% | 1,337 |
| Credit loss provision to net charge-offs | 46.6466% | 6,309 |
| Earnings coverage of net charge-offs (x) | 1.5631% | 4,567 |
| Efficiency ratio | 61.0747% | 5,880 |
| Assets per employee ($millions) | 6.5874% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2760% | 1,733 |
| Loan loss allowance to noncurrent loans | 72.5267% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.3187% | 2,947 |
| Noncurrent loans to loans | 3.1382% | 2,428 |
| Net loans and leases to total assets | 62.1648% | 4,251 |
| Net loans and leases to deposits | 81.0364% | 2,982 |
| Net loans and leases to core deposits | 85.9693% | 3,322 |
| Total domestic deposits to total assets | 76.7122% | 6,527 |
| Equity capital to assets | 10.1432% | 3,565 |
| Core capital (leverage) ratio | 9.7097% | 3,422 |
| Tier 1 risk-based capital ratio | 13.8630% | 3,957 |
| Total risk-based capital ratio | 15.1215% | 3,935 |
| Memoranda: | ||
| Average total assets | $680,614,400 | 974 |
| Average earning assets | $609,409,600 | 996 |
| Average equity | $65,842,800 | 1,018 |
| Average total loans | $431,762,200 | 1,039 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 5,474 |
| Cost of funding earning assets | 1.0372% | 5,761 |
| Net interest margin | 3.8111% | 3,928 |
| Noninterest income to average assets | 0.7498% | 2,504 |
| Noninterest expense to average assets | 2.5677% | 5,437 |
| Loan and lease loss provision to assets | 0.4699% | 3,123 |
| Net operating income to assets | 0.8716% | 2,725 |
| Return on assets (ROA) | 1.0354% | 2,226 |
| Pretax return on assets | 1.3215% | 2,118 |
| Return on Equity (ROE) | 10.8303% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.8303% | 630 |
| Net charge-offs to loans | 1.3585% | 1,494 |
| Credit loss provision to net charge-offs | 54.5578% | 5,813 |
| Earnings coverage of net charge-offs (x) | 1.8362% | 4,334 |
| Efficiency ratio | 61.8855% | 5,642 |
| Assets per employee ($millions) | 7.3087% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6700% | 1,119 |
| Loan loss allowance to noncurrent loans | 78.5378% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 2.3303% | 3,051 |
| Noncurrent loans to loans | 3.3997% | 2,338 |
| Net loans and leases to total assets | 58.9938% | 5,105 |
| Net loans and leases to deposits | 80.0928% | 3,431 |
| Net loans and leases to core deposits | 85.0138% | 3,796 |
| Total domestic deposits to total assets | 73.6569% | 6,966 |
| Equity capital to assets | 9.8471% | 4,352 |
| Core capital (leverage) ratio | 9.5250% | 3,871 |
| Tier 1 risk-based capital ratio | 13.3594% | 4,301 |
| Total risk-based capital ratio | 14.6229% | 4,262 |
| Memoranda: | ||
| Average total assets | $684,435,500 | 977 |
| Average earning assets | $610,486,250 | 1,003 |
| Average equity | $65,432,000 | 1,023 |
| Average total loans | $433,894,250 | 1,037 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 5,006 |
| Cost of funding earning assets | 1.0638% | 5,852 |
| Net interest margin | 3.9219% | 3,343 |
| Noninterest income to average assets | 0.7573% | 2,342 |
| Noninterest expense to average assets | 2.6047% | 5,309 |
| Loan and lease loss provision to assets | 0.5487% | 2,586 |
| Net operating income to assets | 0.8566% | 2,706 |
| Return on assets (ROA) | 1.0927% | 1,950 |
| Pretax return on assets | 1.4047% | 1,828 |
| Return on Equity (ROE) | 11.5492% | 1,581 |
| Retained earnings to average equity (ytd only) | 11.5492% | 558 |
| Net charge-offs to loans | 1.9347% | 945 |
| Credit loss provision to net charge-offs | 44.0710% | 5,538 |
| Earnings coverage of net charge-offs (x) | 1.3259% | 4,503 |
| Efficiency ratio | 61.2077% | 5,818 |
| Assets per employee ($millions) | 7.0333% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5932% | 1,200 |
| Loan loss allowance to noncurrent loans | 75.6602% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 2.6325% | 2,744 |
| Noncurrent loans to loans | 3.4275% | 2,320 |
| Net loans and leases to total assets | 59.9504% | 5,066 |
| Net loans and leases to deposits | 78.5047% | 3,886 |
| Net loans and leases to core deposits | 83.3923% | 4,226 |
| Total domestic deposits to total assets | 76.3654% | 6,617 |
| Equity capital to assets | 9.5979% | 4,555 |
| Core capital (leverage) ratio | 9.6031% | 3,673 |
| Tier 1 risk-based capital ratio | 13.0312% | 4,415 |
| Total risk-based capital ratio | 14.2917% | 4,357 |
| Memoranda: | ||
| Average total assets | $678,702,000 | 987 |
| Average earning assets | $605,372,000 | 1,015 |
| Average equity | $64,212,330 | 1,036 |
| Average total loans | $436,766,670 | 1,040 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 4,383 |
| Cost of funding earning assets | 1.1025% | 5,894 |
| Net interest margin | 4.0298% | 2,746 |
| Noninterest income to average assets | 0.7193% | 2,472 |
| Noninterest expense to average assets | 2.6783% | 5,011 |
| Loan and lease loss provision to assets | 0.4467% | 2,730 |
| Net operating income to assets | 0.9104% | 2,505 |
| Return on assets (ROA) | 1.1565% | 1,736 |
| Pretax return on assets | 1.5028% | 1,505 |
| Return on Equity (ROE) | 12.3148% | 1,416 |
| Retained earnings to average equity (ytd only) | 12.3148% | 706 |
| Net charge-offs to loans | 0.8315% | 1,870 |
| Credit loss provision to net charge-offs | 81.6504% | 3,836 |
| Earnings coverage of net charge-offs (x) | 2.9794% | 3,061 |
| Efficiency ratio | 62.1674% | 5,801 |
| Assets per employee ($millions) | 6.6214% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0275% | 799 |
| Loan loss allowance to noncurrent loans | 138.3559% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 2.1909% | 3,288 |
| Noncurrent loans to loans | 2.1882% | 3,544 |
| Net loans and leases to total assets | 64.4751% | 4,223 |
| Net loans and leases to deposits | 85.8347% | 2,619 |
| Net loans and leases to core deposits | 91.7034% | 3,140 |
| Total domestic deposits to total assets | 75.1154% | 6,890 |
| Equity capital to assets | 9.7844% | 4,133 |
| Core capital (leverage) ratio | 9.3941% | 3,916 |
| Tier 1 risk-based capital ratio | 12.4267% | 4,817 |
| Total risk-based capital ratio | 13.6946% | 4,746 |
| Memoranda: | ||
| Average total assets | $673,419,000 | 1,024 |
| Average earning assets | $599,726,500 | 1,046 |
| Average equity | $63,241,000 | 1,056 |
| Average total loans | $443,040,000 | 1,055 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 6,173 |
| Cost of funding earning assets | 1.9665% | 3,117 |
| Net interest margin | 3.1095% | 6,339 |
| Noninterest income to average assets | 0.7267% | 2,805 |
| Noninterest expense to average assets | 2.7543% | 5,153 |
| Loan and lease loss provision to assets | 2.0159% | 1,067 |
| Net operating income to assets | -0.6767% | 6,334 |
| Return on assets (ROA) | -0.6513% | 6,317 |
| Pretax return on assets | -1.1704% | 6,524 |
| Return on Equity (ROE) | -7.7520% | 6,450 |
| Retained earnings to average equity (ytd only) | -7.7520% | 6,321 |
| Net charge-offs to loans | 1.9798% | 1,243 |
| Credit loss provision to net charge-offs | 148.4842% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.5936% | 5,511 |
| Efficiency ratio | 77.3637% | 3,297 |
| Assets per employee ($millions) | 6.9830% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9682% | 794 |
| Loan loss allowance to noncurrent loans | 71.2481% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 3.4223% | 1,973 |
| Noncurrent loans to loans | 4.1660% | 1,754 |
| Net loans and leases to total assets | 63.1943% | 4,770 |
| Net loans and leases to deposits | 89.3647% | 2,325 |
| Net loans and leases to core deposits | 105.8950% | 3,352 |
| Total domestic deposits to total assets | 70.7151% | 7,361 |
| Equity capital to assets | 9.0180% | 5,121 |
| Core capital (leverage) ratio | 8.5988% | 5,102 |
| Tier 1 risk-based capital ratio | 11.3909% | 5,522 |
| Total risk-based capital ratio | 12.6573% | 5,466 |
| Memoranda: | ||
| Average total assets | $707,041,000 | 967 |
| Average earning assets | $644,279,800 | 970 |
| Average equity | $59,404,400 | 1,113 |
| Average total loans | $484,857,200 | 996 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0268% | 6,525 |
| Cost of funding earning assets | 2.0807% | 2,979 |
| Net interest margin | 2.9460% | 6,734 |
| Noninterest income to average assets | 0.7166% | 2,910 |
| Noninterest expense to average assets | 2.7230% | 5,233 |
| Loan and lease loss provision to assets | 2.6307% | 615 |
| Net operating income to assets | -1.1602% | 6,939 |
| Return on assets (ROA) | -1.1374% | 6,929 |
| Pretax return on assets | -1.9025% | 7,132 |
| Return on Equity (ROE) | -13.7830% | 7,120 |
| Retained earnings to average equity (ytd only) | -13.7830% | 7,059 |
| Net charge-offs to loans | 1.9082% | 1,052 |
| Credit loss provision to net charge-offs | 198.6125% | 2,256 |
| Earnings coverage of net charge-offs (x) | 0.5229% | 5,504 |
| Efficiency ratio | 79.7233% | 2,891 |
| Assets per employee ($millions) | 6.6819% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3849% | 466 |
| Loan loss allowance to noncurrent loans | 122.6448% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 2.4463% | 2,814 |
| Noncurrent loans to loans | 2.7599% | 2,751 |
| Net loans and leases to total assets | 63.7668% | 4,912 |
| Net loans and leases to deposits | 86.4382% | 3,240 |
| Net loans and leases to core deposits | 106.0425% | 3,696 |
| Total domestic deposits to total assets | 73.7716% | 6,995 |
| Equity capital to assets | 8.7493% | 5,880 |
| Core capital (leverage) ratio | 8.2025% | 6,010 |
| Tier 1 risk-based capital ratio | 10.8893% | 6,064 |
| Total risk-based capital ratio | 12.1549% | 6,006 |
| Memoranda: | ||
| Average total assets | $710,972,500 | 969 |
| Average earning assets | $651,352,000 | 965 |
| Average equity | $58,669,750 | 1,143 |
| Average total loans | $493,512,500 | 994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 6,710 |
| Cost of funding earning assets | 2.1676% | 2,949 |
| Net interest margin | 2.8500% | 6,912 |
| Noninterest income to average assets | 0.7262% | 2,833 |
| Noninterest expense to average assets | 2.8562% | 4,700 |
| Loan and lease loss provision to assets | 3.9205% | 326 |
| Net operating income to assets | -2.1598% | 7,468 |
| Return on assets (ROA) | -1.9434% | 7,407 |
| Pretax return on assets | -3.1004% | 7,595 |
| Return on Equity (ROE) | -24.0251% | 7,609 |
| Retained earnings to average equity (ytd only) | -24.0251% | 7,573 |
| Net charge-offs to loans | 2.5140% | 686 |
| Credit loss provision to net charge-offs | 221.1025% | 2,078 |
| Earnings coverage of net charge-offs (x) | 0.2718% | 5,400 |
| Efficiency ratio | 85.5609% | 2,275 |
| Assets per employee ($millions) | 3.8328% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4191% | 407 |
| Loan loss allowance to noncurrent loans | 83.7913% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 3.5776% | 1,740 |
| Noncurrent loans to loans | 4.0805% | 1,644 |
| Net loans and leases to total assets | 68.5773% | 4,052 |
| Net loans and leases to deposits | 97.7978% | 1,551 |
| Net loans and leases to core deposits | 119.8208% | 2,390 |
| Total domestic deposits to total assets | 70.1216% | 7,459 |
| Equity capital to assets | 8.4270% | 6,156 |
| Core capital (leverage) ratio | 8.0522% | 6,242 |
| Tier 1 risk-based capital ratio | 10.6365% | 6,248 |
| Total risk-based capital ratio | 11.9096% | 6,160 |
| Memoranda: | ||
| Average total assets | $714,098,330 | 980 |
| Average earning assets | $654,445,670 | 974 |
| Average equity | $57,764,670 | 1,171 |
| Average total loans | $503,663,670 | 989 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0807% | 6,703 |
| Cost of funding earning assets | 2.2085% | 3,125 |
| Net interest margin | 2.8723% | 6,829 |
| Noninterest income to average assets | 0.6323% | 3,336 |
| Noninterest expense to average assets | 2.7084% | 4,959 |
| Loan and lease loss provision to assets | 0.3990% | 2,931 |
| Net operating income to assets | 0.1336% | 5,876 |
| Return on assets (ROA) | 0.4791% | 4,712 |
| Pretax return on assets | 0.5876% | 4,792 |
| Return on Equity (ROE) | 6.0388% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.0388% | 2,605 |
| Net charge-offs to loans | 1.2597% | 1,115 |
| Credit loss provision to net charge-offs | 45.0462% | 4,751 |
| Earnings coverage of net charge-offs (x) | 0.6382% | 4,483 |
| Efficiency ratio | 82.7339% | 2,444 |
| Assets per employee ($millions) | 4.0776% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 2,790 |
| Loan loss allowance to noncurrent loans | 37.5872% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 2.9315% | 1,940 |
| Noncurrent loans to loans | 4.0837% | 1,470 |
| Net loans and leases to total assets | 68.7024% | 3,975 |
| Net loans and leases to deposits | 100.7909% | 1,304 |
| Net loans and leases to core deposits | 128.1732% | 1,771 |
| Total domestic deposits to total assets | 68.1633% | 7,584 |
| Equity capital to assets | 8.0009% | 6,809 |
| Core capital (leverage) ratio | 8.3493% | 5,812 |
| Tier 1 risk-based capital ratio | 10.5446% | 6,349 |
| Total risk-based capital ratio | 11.7963% | 6,253 |
| Memoranda: | ||
| Average total assets | $733,857,500 | 949 |
| Average earning assets | $674,861,000 | 944 |
| Average equity | $58,223,500 | 1,166 |
| Average total loans | $516,002,500 | 968 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7064% | 6,754 |
| Cost of funding earning assets | 2.7375% | 2,985 |
| Net interest margin | 2.9689% | 6,990 |
| Noninterest income to average assets | 0.6726% | 3,308 |
| Noninterest expense to average assets | 2.3896% | 6,431 |
| Loan and lease loss provision to assets | 0.9166% | 1,625 |
| Net operating income to assets | 0.1492% | 5,984 |
| Return on assets (ROA) | 0.2005% | 5,663 |
| Pretax return on assets | 0.1493% | 5,845 |
| Return on Equity (ROE) | 2.4834% | 5,426 |
| Retained earnings to average equity (ytd only) | -1.0070% | 5,604 |
| Net charge-offs to loans | 0.6437% | 1,919 |
| Credit loss provision to net charge-offs | 189.2670% | 2,612 |
| Earnings coverage of net charge-offs (x) | 2.0951% | 5,025 |
| Efficiency ratio | 70.1949% | 4,314 |
| Assets per employee ($millions) | 4.0318% | 3,447 |
| Cash dividends to net income (ytd only)* | 140.5481% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 2,011 |
| Loan loss allowance to noncurrent loans | 45.8735% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 2.6828% | 1,768 |
| Noncurrent loans to loans | 3.6323% | 1,392 |
| Net loans and leases to total assets | 69.6677% | 4,097 |
| Net loans and leases to deposits | 103.4316% | 1,408 |
| Net loans and leases to core deposits | 130.5483% | 1,816 |
| Total domestic deposits to total assets | 67.3563% | 7,532 |
| Equity capital to assets | 7.8677% | 7,017 |
| Core capital (leverage) ratio | 8.2388% | 6,080 |
| Tier 1 risk-based capital ratio | 10.2694% | 6,452 |
| Total risk-based capital ratio | 11.5230% | 6,320 |
| Memoranda: | ||
| Average total assets | $709,894,800 | 940 |
| Average earning assets | $653,179,200 | 928 |
| Average equity | $57,300,200 | 1,169 |
| Average total loans | $534,099,800 | 894 |