Home > Bank of Fairfield > Performance and Condition Ratios
Bank of Fairfield, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,386 |
| Cost of funding earning assets | 0.2162% | 5,222 |
| Net interest margin | 4.3621% | 854 |
| Noninterest income to average assets | 0.3137% | 4,701 |
| Noninterest expense to average assets | 4.5176% | 404 |
| Loan and lease loss provision to assets | -0.0292% | 5,873 |
| Net operating income to assets | 0.0018% | 5,933 |
| Return on assets (ROA) | 0.1409% | 5,838 |
| Pretax return on assets | 0.0222% | 5,950 |
| Return on Equity (ROE) | 1.4364% | 5,790 |
| Retained earnings to average equity (ytd only) | -3.0355% | 5,939 |
| Net charge-offs to loans | -0.0393% | 5,459 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3448% | 227 |
| Assets per employee ($millions) | 4.2324% | 3,455 |
| Cash dividends to net income (ytd only)* | 311.3260% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,798 |
| Loan loss allowance to noncurrent loans | 755.8233% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 4,667 |
| Noncurrent loans to loans | 0.2114% | 4,805 |
| Net loans and leases to total assets | 78.2359% | 1,066 |
| Net loans and leases to deposits | 96.8042% | 926 |
| Net loans and leases to core deposits | 97.7678% | 1,720 |
| Total domestic deposits to total assets | 80.8187% | 4,518 |
| Equity capital to assets | 9.8094% | 4,379 |
| Core capital (leverage) ratio | 9.4983% | 4,306 |
| Tier 1 risk-based capital ratio | 11.8711% | 5,153 |
| Total risk-based capital ratio | 13.1252% | 5,075 |
| Memoranda: | ||
| Average total assets | $150,458,750 | 3,592 |
| Average earning assets | $139,959,500 | 3,574 |
| Average equity | $14,758,250 | 3,911 |
| Average total loans | $112,032,750 | 3,198 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 1,667 |
| Cost of funding earning assets | 0.2230% | 5,226 |
| Net interest margin | 4.2351% | 1,038 |
| Noninterest income to average assets | 0.3147% | 4,700 |
| Noninterest expense to average assets | 3.6116% | 1,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4054% | 5,118 |
| Return on assets (ROA) | 0.5382% | 4,729 |
| Pretax return on assets | 0.8543% | 4,114 |
| Return on Equity (ROE) | 5.4874% | 4,379 |
| Retained earnings to average equity (ytd only) | -1.1865% | 5,721 |
| Net charge-offs to loans | 0.0763% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.6429% | 2,272 |
| Efficiency ratio | 84.8137% | 1,175 |
| Assets per employee ($millions) | 4.1424% | 3,585 |
| Cash dividends to net income (ytd only)* | 121.6216% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 2,027 |
| Loan loss allowance to noncurrent loans | 691.7293% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 4,770 |
| Noncurrent loans to loans | 0.2265% | 4,864 |
| Net loans and leases to total assets | 75.4203% | 1,450 |
| Net loans and leases to deposits | 92.7305% | 1,280 |
| Net loans and leases to core deposits | 93.6159% | 1,997 |
| Total domestic deposits to total assets | 81.3328% | 4,508 |
| Equity capital to assets | 9.6327% | 4,490 |
| Core capital (leverage) ratio | 9.6531% | 4,068 |
| Tier 1 risk-based capital ratio | 12.9921% | 4,527 |
| Total risk-based capital ratio | 14.2475% | 4,436 |
| Memoranda: | ||
| Average total assets | $151,233,670 | 3,612 |
| Average earning assets | $140,822,670 | 3,586 |
| Average equity | $14,834,000 | 3,918 |
| Average total loans | $110,118,330 | 3,249 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 1,747 |
| Cost of funding earning assets | 0.2262% | 5,256 |
| Net interest margin | 4.1801% | 1,110 |
| Noninterest income to average assets | 0.2636% | 5,065 |
| Noninterest expense to average assets | 3.5336% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4449% | 4,896 |
| Return on assets (ROA) | 0.5139% | 4,731 |
| Pretax return on assets | 0.7136% | 4,549 |
| Return on Equity (ROE) | 5.1920% | 4,437 |
| Retained earnings to average equity (ytd only) | -6.9137% | 6,034 |
| Net charge-offs to loans | 0.0789% | 1,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.0476% | 1,891 |
| Efficiency ratio | 85.1187% | 1,261 |
| Assets per employee ($millions) | 3.8884% | 4,188 |
| Cash dividends to net income (ytd only)* | 233.1606% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 1,492 |
| Loan loss allowance to noncurrent loans | 254.2350% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 2,688 |
| Noncurrent loans to loans | 0.7103% | 3,493 |
| Net loans and leases to total assets | 66.7317% | 2,646 |
| Net loans and leases to deposits | 75.5042% | 3,116 |
| Net loans and leases to core deposits | 76.0306% | 3,594 |
| Total domestic deposits to total assets | 88.3815% | 1,605 |
| Equity capital to assets | 9.7345% | 4,454 |
| Core capital (leverage) ratio | 9.6603% | 4,060 |
| Tier 1 risk-based capital ratio | 13.3171% | 4,421 |
| Total risk-based capital ratio | 14.5732% | 4,330 |
| Memoranda: | ||
| Average total assets | $150,216,000 | 3,649 |
| Average earning assets | $139,708,000 | 3,629 |
| Average equity | $14,869,000 | 3,933 |
| Average total loans | $106,459,500 | 3,330 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 1,544 |
| Cost of funding earning assets | 0.3217% | 4,565 |
| Net interest margin | 4.2839% | 1,086 |
| Noninterest income to average assets | 0.3631% | 4,492 |
| Noninterest expense to average assets | 3.6182% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5207% | 4,724 |
| Return on assets (ROA) | 0.5265% | 4,787 |
| Pretax return on assets | 0.7282% | 4,517 |
| Return on Equity (ROE) | 5.3385% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.4409% | 4,491 |
| Net charge-offs to loans | 0.1135% | 2,894 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.9250% | 2,813 |
| Efficiency ratio | 83.4005% | 1,479 |
| Assets per employee ($millions) | 3.6289% | 4,664 |
| Cash dividends to net income (ytd only)* | 54.2784% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 1,743 |
| Loan loss allowance to noncurrent loans | 259.2287% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 2,575 |
| Noncurrent loans to loans | 0.6608% | 3,697 |
| Net loans and leases to total assets | 72.5740% | 1,814 |
| Net loans and leases to deposits | 81.4950% | 2,540 |
| Net loans and leases to core deposits | 82.0691% | 3,102 |
| Total domestic deposits to total assets | 89.0534% | 1,214 |
| Equity capital to assets | 10.0655% | 4,026 |
| Core capital (leverage) ratio | 10.2208% | 3,284 |
| Tier 1 risk-based capital ratio | 12.8582% | 4,819 |
| Total risk-based capital ratio | 14.1140% | 4,731 |
| Memoranda: | ||
| Average total assets | $148,720,400 | 3,651 |
| Average earning assets | $138,004,000 | 3,629 |
| Average equity | $14,667,000 | 3,904 |
| Average total loans | $105,697,600 | 3,311 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 1,639 |
| Cost of funding earning assets | 0.3398% | 4,463 |
| Net interest margin | 4.2316% | 1,199 |
| Noninterest income to average assets | 0.3847% | 4,358 |
| Noninterest expense to average assets | 3.5515% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5456% | 4,691 |
| Return on assets (ROA) | 0.5532% | 4,739 |
| Pretax return on assets | 0.7738% | 4,458 |
| Return on Equity (ROE) | 5.6385% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.2116% | 4,949 |
| Net charge-offs to loans | 0.0255% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 42.5437% | 1,084 |
| Efficiency ratio | 82.3150% | 1,573 |
| Assets per employee ($millions) | 3.7300% | 4,435 |
| Cash dividends to net income (ytd only)* | 60.7780% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 1,724 |
| Loan loss allowance to noncurrent loans | 607.9755% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 3,092 |
| Noncurrent loans to loans | 0.2940% | 5,025 |
| Net loans and leases to total assets | 72.9936% | 1,682 |
| Net loans and leases to deposits | 84.4035% | 2,094 |
| Net loans and leases to core deposits | 85.0136% | 2,772 |
| Total domestic deposits to total assets | 86.4817% | 2,596 |
| Equity capital to assets | 9.9686% | 4,201 |
| Core capital (leverage) ratio | 9.5494% | 4,303 |
| Tier 1 risk-based capital ratio | 12.7685% | 4,994 |
| Total risk-based capital ratio | 14.0255% | 4,901 |
| Memoranda: | ||
| Average total assets | $148,704,000 | 3,680 |
| Average earning assets | $138,101,250 | 3,658 |
| Average equity | $14,589,750 | 3,927 |
| Average total loans | $104,656,500 | 3,361 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 2,195 |
| Cost of funding earning assets | 0.3433% | 4,504 |
| Net interest margin | 4.0511% | 1,661 |
| Noninterest income to average assets | 0.3555% | 4,579 |
| Noninterest expense to average assets | 3.5263% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4322% | 5,087 |
| Return on assets (ROA) | 0.4430% | 5,118 |
| Pretax return on assets | 0.6099% | 4,927 |
| Return on Equity (ROE) | 4.5394% | 4,895 |
| Retained earnings to average equity (ytd only) | 0.0552% | 5,656 |
| Net charge-offs to loans | 0.0546% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.7857% | 1,829 |
| Efficiency ratio | 85.5603% | 1,313 |
| Assets per employee ($millions) | 3.7977% | 4,260 |
| Cash dividends to net income (ytd only)* | 98.7842% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 1,832 |
| Loan loss allowance to noncurrent loans | 1,189.1566% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.7977% | 3,574 |
| Noncurrent loans to loans | 0.1518% | 5,556 |
| Net loans and leases to total assets | 68.9507% | 2,246 |
| Net loans and leases to deposits | 88.6087% | 1,519 |
| Net loans and leases to core deposits | 89.2904% | 2,187 |
| Total domestic deposits to total assets | 77.8147% | 5,671 |
| Equity capital to assets | 9.3670% | 4,884 |
| Core capital (leverage) ratio | 9.7533% | 3,960 |
| Tier 1 risk-based capital ratio | 12.5077% | 5,224 |
| Total risk-based capital ratio | 13.7643% | 5,143 |
| Memoranda: | ||
| Average total assets | $148,539,330 | 3,703 |
| Average earning assets | $138,084,330 | 3,674 |
| Average equity | $14,495,330 | 3,947 |
| Average total loans | $102,579,670 | 3,404 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 2,079 |
| Cost of funding earning assets | 0.3690% | 4,328 |
| Net interest margin | 4.0470% | 1,612 |
| Noninterest income to average assets | 0.3642% | 4,479 |
| Noninterest expense to average assets | 3.6204% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3670% | 5,246 |
| Return on assets (ROA) | 0.3670% | 5,309 |
| Pretax return on assets | 0.4967% | 5,181 |
| Return on Equity (ROE) | 3.6815% | 5,179 |
| Retained earnings to average equity (ytd only) | -3.9307% | 6,053 |
| Net charge-offs to loans | 0.0202% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 937 |
| Efficiency ratio | 87.9357% | 1,231 |
| Assets per employee ($millions) | 3.5049% | 4,910 |
| Cash dividends to net income (ytd only)* | 206.7669% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1996% | 1,160 |
| Loan loss allowance to noncurrent loans | 196.1690% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 2,494 |
| Noncurrent loans to loans | 1.1213% | 3,183 |
| Net loans and leases to total assets | 60.3171% | 3,503 |
| Net loans and leases to deposits | 67.3501% | 3,928 |
| Net loans and leases to core deposits | 67.8255% | 4,332 |
| Total domestic deposits to total assets | 89.5576% | 1,338 |
| Equity capital to assets | 9.7686% | 4,142 |
| Core capital (leverage) ratio | 9.7094% | 3,984 |
| Tier 1 risk-based capital ratio | 13.9814% | 4,348 |
| Total risk-based capital ratio | 15.2414% | 4,281 |
| Memoranda: | ||
| Average total assets | $144,955,500 | 3,788 |
| Average earning assets | $134,421,000 | 3,756 |
| Average equity | $14,450,500 | 3,960 |
| Average total loans | $99,202,000 | 3,485 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 1,022 |
| Cost of funding earning assets | 0.4510% | 4,099 |
| Net interest margin | 4.4886% | 749 |
| Noninterest income to average assets | 0.4198% | 4,300 |
| Noninterest expense to average assets | 3.8688% | 1,034 |
| Loan and lease loss provision to assets | -0.2429% | 6,634 |
| Net operating income to assets | 0.6384% | 4,083 |
| Return on assets (ROA) | 0.6384% | 4,186 |
| Pretax return on assets | 0.9313% | 3,634 |
| Return on Equity (ROE) | 6.5378% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.8272% | 2,079 |
| Net charge-offs to loans | -0.0368% | 6,268 |
| Credit loss provision to net charge-offs | 897.4359% | 279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8942% | 1,529 |
| Assets per employee ($millions) | 3.2433% | 5,403 |
| Cash dividends to net income (ytd only)* | 10.8696% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 1,892 |
| Loan loss allowance to noncurrent loans | 124.8130% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.8780% | 1,941 |
| Noncurrent loans to loans | 1.4905% | 2,657 |
| Net loans and leases to total assets | 74.0091% | 1,348 |
| Net loans and leases to deposits | 83.1148% | 2,042 |
| Net loans and leases to core deposits | 84.9985% | 2,562 |
| Total domestic deposits to total assets | 89.0445% | 1,590 |
| Equity capital to assets | 10.1756% | 3,539 |
| Core capital (leverage) ratio | 9.9915% | 3,590 |
| Tier 1 risk-based capital ratio | 12.8303% | 5,095 |
| Total risk-based capital ratio | 14.0875% | 5,036 |
| Memoranda: | ||
| Average total assets | $144,100,800 | 3,809 |
| Average earning assets | $132,824,800 | 3,779 |
| Average equity | $14,072,000 | 4,050 |
| Average total loans | $105,998,600 | 3,324 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 1,122 |
| Cost of funding earning assets | 0.4600% | 4,172 |
| Net interest margin | 4.4419% | 818 |
| Noninterest income to average assets | 0.4117% | 4,438 |
| Noninterest expense to average assets | 3.7595% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5058% | 4,768 |
| Return on assets (ROA) | 0.5058% | 4,931 |
| Pretax return on assets | 0.7430% | 4,518 |
| Return on Equity (ROE) | 5.2340% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.7564% | 3,264 |
| Net charge-offs to loans | -0.0543% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4973% | 1,658 |
| Assets per employee ($millions) | 3.5605% | 4,735 |
| Cash dividends to net income (ytd only)* | 9.1248% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,358 |
| Loan loss allowance to noncurrent loans | 273.6353% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 3,064 |
| Noncurrent loans to loans | 0.7972% | 4,248 |
| Net loans and leases to total assets | 69.0065% | 2,142 |
| Net loans and leases to deposits | 77.9091% | 2,679 |
| Net loans and leases to core deposits | 79.9309% | 3,142 |
| Total domestic deposits to total assets | 88.5731% | 1,797 |
| Equity capital to assets | 9.2559% | 4,853 |
| Core capital (leverage) ratio | 9.5694% | 4,296 |
| Tier 1 risk-based capital ratio | 12.3036% | 5,569 |
| Total risk-based capital ratio | 13.5644% | 5,504 |
| Memoranda: | ||
| Average total assets | $144,450,000 | 3,837 |
| Average earning assets | $133,033,750 | 3,817 |
| Average equity | $13,959,750 | 4,122 |
| Average total loans | $105,594,250 | 3,354 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 1,418 |
| Cost of funding earning assets | 0.4713% | 4,189 |
| Net interest margin | 4.2909% | 1,049 |
| Noninterest income to average assets | 0.4535% | 4,141 |
| Noninterest expense to average assets | 3.7919% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4493% | 5,015 |
| Return on assets (ROA) | 0.4493% | 5,185 |
| Pretax return on assets | 0.6357% | 4,892 |
| Return on Equity (ROE) | 4.5791% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.5791% | 3,356 |
| Net charge-offs to loans | 0.2748% | 2,104 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,489 |
| Efficiency ratio | 85.6414% | 1,446 |
| Assets per employee ($millions) | 3.2456% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 1,886 |
| Loan loss allowance to noncurrent loans | 245.0847% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 2,943 |
| Noncurrent loans to loans | 0.8104% | 4,291 |
| Net loans and leases to total assets | 76.6932% | 903 |
| Net loans and leases to deposits | 89.8516% | 1,161 |
| Net loans and leases to core deposits | 92.7166% | 1,636 |
| Total domestic deposits to total assets | 85.3554% | 3,721 |
| Equity capital to assets | 10.0444% | 3,861 |
| Core capital (leverage) ratio | 9.6967% | 3,937 |
| Tier 1 risk-based capital ratio | 12.3908% | 5,580 |
| Total risk-based capital ratio | 13.6506% | 5,518 |
| Memoranda: | ||
| Average total assets | $141,565,670 | 3,919 |
| Average earning assets | $131,115,000 | 3,882 |
| Average equity | $13,889,330 | 4,169 |
| Average total loans | $104,790,000 | 3,387 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,481 |
| Cost of funding earning assets | 0.4701% | 4,368 |
| Net interest margin | 4.2495% | 1,072 |
| Noninterest income to average assets | 0.5499% | 3,441 |
| Noninterest expense to average assets | 3.8353% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4854% | 4,750 |
| Return on assets (ROA) | 0.4854% | 4,903 |
| Pretax return on assets | 0.6453% | 4,789 |
| Return on Equity (ROE) | 5.0054% | 4,566 |
| Retained earnings to average equity (ytd only) | 5.0054% | 3,226 |
| Net charge-offs to loans | 0.6434% | 948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.3939% | 3,368 |
| Efficiency ratio | 85.5980% | 1,566 |
| Assets per employee ($millions) | 3.7494% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2727% | 1,452 |
| Loan loss allowance to noncurrent loans | 473.1278% | 902 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 3,761 |
| Noncurrent loans to loans | 0.4804% | 5,221 |
| Net loans and leases to total assets | 63.1657% | 2,862 |
| Net loans and leases to deposits | 70.3828% | 3,411 |
| Net loans and leases to core deposits | 72.4657% | 3,763 |
| Total domestic deposits to total assets | 89.7459% | 1,187 |
| Equity capital to assets | 9.5127% | 4,834 |
| Core capital (leverage) ratio | 9.4572% | 4,153 |
| Tier 1 risk-based capital ratio | 13.1018% | 5,145 |
| Total risk-based capital ratio | 14.3629% | 5,088 |
| Memoranda: | ||
| Average total assets | $142,568,500 | 3,935 |
| Average earning assets | $131,874,500 | 3,904 |
| Average equity | $13,825,000 | 4,227 |
| Average total loans | $102,584,000 | 3,449 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5612% | 552 |
| Cost of funding earning assets | 0.6164% | 4,208 |
| Net interest margin | 4.9448% | 413 |
| Noninterest income to average assets | 0.4064% | 4,558 |
| Noninterest expense to average assets | 4.2006% | 767 |
| Loan and lease loss provision to assets | 0.0224% | 5,614 |
| Net operating income to assets | 0.4903% | 4,721 |
| Return on assets (ROA) | 0.4908% | 4,971 |
| Pretax return on assets | 0.6791% | 4,738 |
| Return on Equity (ROE) | 4.9152% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.9152% | 2,757 |
| Net charge-offs to loans | 0.8401% | 1,378 |
| Credit loss provision to net charge-offs | 3.3975% | 5,462 |
| Earnings coverage of net charge-offs (x) | 1.0623% | 4,931 |
| Efficiency ratio | 85.7034% | 1,457 |
| Assets per employee ($millions) | 3.6556% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 1,794 |
| Loan loss allowance to noncurrent loans | 93.9862% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 2.6506% | 1,829 |
| Noncurrent loans to loans | 2.2240% | 2,438 |
| Net loans and leases to total assets | 77.9940% | 678 |
| Net loans and leases to deposits | 87.4976% | 1,329 |
| Net loans and leases to core deposits | 90.2460% | 1,807 |
| Total domestic deposits to total assets | 89.1384% | 1,477 |
| Equity capital to assets | 9.8912% | 4,325 |
| Core capital (leverage) ratio | 9.7063% | 3,794 |
| Tier 1 risk-based capital ratio | 11.9558% | 5,818 |
| Total risk-based capital ratio | 13.2168% | 5,768 |
| Memoranda: | ||
| Average total assets | $133,862,000 | 4,065 |
| Average earning assets | $121,683,400 | 4,073 |
| Average equity | $13,366,800 | 4,280 |
| Average total loans | $105,104,600 | 3,391 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 515 |
| Cost of funding earning assets | 0.6492% | 4,204 |
| Net interest margin | 4.9981% | 407 |
| Noninterest income to average assets | 0.4213% | 4,472 |
| Noninterest expense to average assets | 4.1849% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5121% | 4,797 |
| Return on assets (ROA) | 0.5128% | 5,053 |
| Pretax return on assets | 0.7662% | 4,609 |
| Return on Equity (ROE) | 5.1228% | 4,764 |
| Retained earnings to average equity (ytd only) | 5.1228% | 3,274 |
| Net charge-offs to loans | 0.8986% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.0887% | 4,759 |
| Efficiency ratio | 84.5419% | 1,529 |
| Assets per employee ($millions) | 3.4818% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3375% | 1,448 |
| Loan loss allowance to noncurrent loans | 67.6261% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 3.7734% | 1,306 |
| Noncurrent loans to loans | 3.4566% | 1,574 |
| Net loans and leases to total assets | 75.9036% | 989 |
| Net loans and leases to deposits | 85.1362% | 1,708 |
| Net loans and leases to core deposits | 87.8703% | 2,230 |
| Total domestic deposits to total assets | 89.1555% | 1,338 |
| Equity capital to assets | 10.0249% | 4,456 |
| Core capital (leverage) ratio | 10.2057% | 3,277 |
| Tier 1 risk-based capital ratio | 11.8517% | 6,026 |
| Total risk-based capital ratio | 13.1145% | 5,998 |
| Memoranda: | ||
| Average total assets | $132,599,500 | 4,121 |
| Average earning assets | $120,150,250 | 4,150 |
| Average equity | $13,273,500 | 4,347 |
| Average total loans | $103,716,750 | 3,468 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5485% | 646 |
| Cost of funding earning assets | 0.6787% | 4,189 |
| Net interest margin | 4.8698% | 499 |
| Noninterest income to average assets | 0.4698% | 4,135 |
| Noninterest expense to average assets | 4.2605% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4166% | 5,161 |
| Return on assets (ROA) | 0.4166% | 5,384 |
| Pretax return on assets | 0.6280% | 5,040 |
| Return on Equity (ROE) | 4.1640% | 5,192 |
| Retained earnings to average equity (ytd only) | 4.1640% | 3,836 |
| Net charge-offs to loans | 1.5285% | 641 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5241% | 4,808 |
| Efficiency ratio | 87.1540% | 1,322 |
| Assets per employee ($millions) | 2.8215% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2232% | 1,721 |
| Loan loss allowance to noncurrent loans | 82.6268% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 3.5103% | 1,517 |
| Noncurrent loans to loans | 2.6907% | 2,234 |
| Net loans and leases to total assets | 80.5788% | 443 |
| Net loans and leases to deposits | 90.5905% | 1,086 |
| Net loans and leases to core deposits | 93.7217% | 1,629 |
| Total domestic deposits to total assets | 88.9484% | 1,540 |
| Equity capital to assets | 10.2634% | 3,979 |
| Core capital (leverage) ratio | 9.6959% | 3,841 |
| Tier 1 risk-based capital ratio | 12.0428% | 5,899 |
| Total risk-based capital ratio | 13.3056% | 5,871 |
| Memoranda: | ||
| Average total assets | $131,535,330 | 4,172 |
| Average earning assets | $119,348,330 | 4,187 |
| Average equity | $13,160,330 | 4,364 |
| Average total loans | $103,109,670 | 3,495 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6923% | 523 |
| Cost of funding earning assets | 0.7099% | 4,199 |
| Net interest margin | 4.9824% | 413 |
| Noninterest income to average assets | 0.5377% | 3,643 |
| Noninterest expense to average assets | 4.2475% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5196% | 4,739 |
| Return on assets (ROA) | 0.5196% | 4,950 |
| Pretax return on assets | 0.8066% | 4,391 |
| Return on Equity (ROE) | 5.2599% | 4,664 |
| Retained earnings to average equity (ytd only) | 5.2599% | 3,396 |
| Net charge-offs to loans | 1.1899% | 860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8870% | 3,883 |
| Efficiency ratio | 84.0406% | 1,680 |
| Assets per employee ($millions) | 2.9962% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9554% | 871 |
| Loan loss allowance to noncurrent loans | 67.3959% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 4.1909% | 1,296 |
| Noncurrent loans to loans | 4.3851% | 1,349 |
| Net loans and leases to total assets | 68.2586% | 2,062 |
| Net loans and leases to deposits | 76.0825% | 2,787 |
| Net loans and leases to core deposits | 78.7550% | 3,219 |
| Total domestic deposits to total assets | 89.7165% | 1,235 |
| Equity capital to assets | 9.5608% | 4,709 |
| Core capital (leverage) ratio | 9.6597% | 3,828 |
| Tier 1 risk-based capital ratio | 12.9084% | 5,276 |
| Total risk-based capital ratio | 14.1797% | 5,238 |
| Memoranda: | ||
| Average total assets | $132,407,500 | 4,177 |
| Average earning assets | $120,022,000 | 4,196 |
| Average equity | $13,080,000 | 4,394 |
| Average total loans | $101,183,500 | 3,564 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2942% | 257 |
| Cost of funding earning assets | 1.0722% | 2,860 |
| Net interest margin | 5.2220% | 273 |
| Noninterest income to average assets | 0.3946% | 4,659 |
| Noninterest expense to average assets | 4.5069% | 589 |
| Loan and lease loss provision to assets | 0.0844% | 5,553 |
| Net operating income to assets | 0.3377% | 5,110 |
| Return on assets (ROA) | 0.3737% | 5,150 |
| Pretax return on assets | 0.5449% | 4,856 |
| Return on Equity (ROE) | 3.7026% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.7026% | 3,576 |
| Net charge-offs to loans | 0.1010% | 5,343 |
| Credit loss provision to net charge-offs | 103.9604% | 3,315 |
| Earnings coverage of net charge-offs (x) | 7.1089% | 2,396 |
| Efficiency ratio | 88.6500% | 1,304 |
| Assets per employee ($millions) | 3.0236% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0031% | 814 |
| Loan loss allowance to noncurrent loans | 65.2784% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 5.1665% | 1,019 |
| Noncurrent loans to loans | 4.6004% | 1,295 |
| Net loans and leases to total assets | 80.5248% | 440 |
| Net loans and leases to deposits | 90.4108% | 1,110 |
| Net loans and leases to core deposits | 93.9743% | 1,699 |
| Total domestic deposits to total assets | 89.0655% | 1,495 |
| Equity capital to assets | 10.2235% | 3,881 |
| Core capital (leverage) ratio | 10.1864% | 3,104 |
| Tier 1 risk-based capital ratio | 12.2342% | 5,660 |
| Total risk-based capital ratio | 13.5073% | 5,614 |
| Memoranda: | ||
| Average total assets | $124,432,000 | 4,287 |
| Average earning assets | $111,737,800 | 4,344 |
| Average equity | $12,558,800 | 4,426 |
| Average total loans | $100,032,400 | 3,617 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2006% | 324 |
| Cost of funding earning assets | 1.1337% | 2,749 |
| Net interest margin | 5.0669% | 366 |
| Noninterest income to average assets | 0.2800% | 5,608 |
| Noninterest expense to average assets | 4.3997% | 637 |
| Loan and lease loss provision to assets | 0.1131% | 5,009 |
| Net operating income to assets | 0.2296% | 5,620 |
| Return on assets (ROA) | 0.2800% | 5,632 |
| Pretax return on assets | 0.3910% | 5,500 |
| Return on Equity (ROE) | 2.7838% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.7838% | 4,695 |
| Net charge-offs to loans | 0.5999% | 2,462 |
| Credit loss provision to net charge-offs | 23.6486% | 5,512 |
| Earnings coverage of net charge-offs (x) | 0.9077% | 4,943 |
| Efficiency ratio | 91.0205% | 1,109 |
| Assets per employee ($millions) | 2.7783% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7031% | 1,127 |
| Loan loss allowance to noncurrent loans | 85.9622% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 3.9708% | 1,540 |
| Noncurrent loans to loans | 3.1445% | 2,213 |
| Net loans and leases to total assets | 83.1230% | 282 |
| Net loans and leases to deposits | 94.1035% | 827 |
| Net loans and leases to core deposits | 98.9927% | 1,335 |
| Total domestic deposits to total assets | 88.3314% | 1,853 |
| Equity capital to assets | 10.4603% | 3,760 |
| Core capital (leverage) ratio | 10.3766% | 3,009 |
| Tier 1 risk-based capital ratio | 12.2042% | 5,739 |
| Total risk-based capital ratio | 13.4746% | 5,713 |
| Memoranda: | ||
| Average total assets | $123,792,000 | 4,321 |
| Average earning assets | $111,256,000 | 4,383 |
| Average equity | $12,452,750 | 4,460 |
| Average total loans | $98,684,000 | 3,678 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0745% | 410 |
| Cost of funding earning assets | 1.2199% | 2,441 |
| Net interest margin | 4.8546% | 549 |
| Noninterest income to average assets | 0.1915% | 6,295 |
| Noninterest expense to average assets | 4.3746% | 686 |
| Loan and lease loss provision to assets | 0.1689% | 4,243 |
| Net operating income to assets | 0.0209% | 6,187 |
| Return on assets (ROA) | 0.0209% | 6,268 |
| Pretax return on assets | 0.0209% | 6,241 |
| Return on Equity (ROE) | 0.2107% | 6,264 |
| Retained earnings to average equity (ytd only) | 0.2107% | 5,754 |
| Net charge-offs to loans | 0.8660% | 1,787 |
| Credit loss provision to net charge-offs | 25.0597% | 5,060 |
| Earnings coverage of net charge-offs (x) | 0.2816% | 5,098 |
| Efficiency ratio | 95.8407% | 886 |
| Assets per employee ($millions) | 2.7681% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9230% | 957 |
| Loan loss allowance to noncurrent loans | 66.4954% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 4.9711% | 1,233 |
| Noncurrent loans to loans | 4.3958% | 1,530 |
| Net loans and leases to total assets | 79.4668% | 592 |
| Net loans and leases to deposits | 90.8067% | 1,179 |
| Net loans and leases to core deposits | 96.2874% | 1,650 |
| Total domestic deposits to total assets | 87.5121% | 2,462 |
| Equity capital to assets | 10.6169% | 3,367 |
| Core capital (leverage) ratio | 10.0354% | 3,219 |
| Tier 1 risk-based capital ratio | 13.2329% | 4,742 |
| Total risk-based capital ratio | 14.5060% | 4,699 |
| Memoranda: | ||
| Average total assets | $124,308,330 | 4,338 |
| Average earning assets | $111,976,000 | 4,385 |
| Average equity | $12,341,330 | 4,466 |
| Average total loans | $96,767,000 | 3,779 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0727% | 422 |
| Cost of funding earning assets | 1.4196% | 1,513 |
| Net interest margin | 4.6531% | 776 |
| Noninterest income to average assets | 0.1954% | 6,325 |
| Noninterest expense to average assets | 4.1655% | 850 |
| Loan and lease loss provision to assets | 0.1575% | 4,054 |
| Net operating income to assets | 0.0756% | 6,155 |
| Return on assets (ROA) | 0.0756% | 6,214 |
| Pretax return on assets | 0.0756% | 6,223 |
| Return on Equity (ROE) | 0.7873% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.7873% | 5,510 |
| Net charge-offs to loans | -0.1161% | 7,125 |
| Credit loss provision to net charge-offs | -178.5714% | 5,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6991% | 1,000 |
| Assets per employee ($millions) | 3.0004% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4340% | 643 |
| Loan loss allowance to noncurrent loans | 129.4964% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 3.6150% | 1,881 |
| Noncurrent loans to loans | 2.6518% | 2,839 |
| Net loans and leases to total assets | 74.0643% | 1,334 |
| Net loans and leases to deposits | 83.2125% | 2,153 |
| Net loans and leases to core deposits | 88.3081% | 2,561 |
| Total domestic deposits to total assets | 89.0063% | 1,768 |
| Equity capital to assets | 10.2239% | 3,509 |
| Core capital (leverage) ratio | 9.3603% | 4,035 |
| Tier 1 risk-based capital ratio | 13.5161% | 4,414 |
| Total risk-based capital ratio | 14.7968% | 4,361 |
| Memoranda: | ||
| Average total assets | $126,949,000 | 4,323 |
| Average earning assets | $114,677,000 | 4,332 |
| Average equity | $12,193,500 | 4,506 |
| Average total loans | $96,433,000 | 3,821 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3724% | 404 |
| Cost of funding earning assets | 1.6548% | 1,801 |
| Net interest margin | 4.7176% | 788 |
| Noninterest income to average assets | 0.4093% | 4,828 |
| Noninterest expense to average assets | 3.9356% | 1,259 |
| Loan and lease loss provision to assets | 3.2693% | 259 |
| Net operating income to assets | -1.8038% | 7,001 |
| Return on assets (ROA) | -1.8038% | 7,021 |
| Pretax return on assets | -2.5283% | 7,173 |
| Return on Equity (ROE) | -19.6437% | 7,031 |
| Retained earnings to average equity (ytd only) | -19.6437% | 7,006 |
| Net charge-offs to loans | 3.4009% | 434 |
| Credit loss provision to net charge-offs | 120.2142% | 3,512 |
| Earnings coverage of net charge-offs (x) | 0.2725% | 5,836 |
| Efficiency ratio | 84.1559% | 1,900 |
| Assets per employee ($millions) | 3.1922% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2097% | 728 |
| Loan loss allowance to noncurrent loans | 105.9651% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 3.9478% | 1,727 |
| Noncurrent loans to loans | 3.0290% | 2,520 |
| Net loans and leases to total assets | 72.8542% | 1,913 |
| Net loans and leases to deposits | 80.7173% | 3,043 |
| Net loans and leases to core deposits | 92.5380% | 2,435 |
| Total domestic deposits to total assets | 90.2584% | 949 |
| Equity capital to assets | 9.0234% | 5,106 |
| Core capital (leverage) ratio | 8.5807% | 5,224 |
| Tier 1 risk-based capital ratio | 12.0831% | 5,400 |
| Total risk-based capital ratio | 13.3527% | 5,367 |
| Memoranda: | ||
| Average total assets | $133,881,800 | 4,182 |
| Average earning assets | $121,100,800 | 4,206 |
| Average equity | $12,294,000 | 4,528 |
| Average total loans | $107,060,000 | 3,609 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4169% | 396 |
| Cost of funding earning assets | 1.6967% | 1,894 |
| Net interest margin | 4.7203% | 801 |
| Noninterest income to average assets | 0.4189% | 4,808 |
| Noninterest expense to average assets | 3.8316% | 1,316 |
| Loan and lease loss provision to assets | 2.4729% | 429 |
| Net operating income to assets | -1.2607% | 7,006 |
| Return on assets (ROA) | -1.2607% | 7,039 |
| Pretax return on assets | -1.6123% | 7,081 |
| Return on Equity (ROE) | -13.6713% | 7,061 |
| Retained earnings to average equity (ytd only) | -13.6713% | 7,028 |
| Net charge-offs to loans | 2.7009% | 599 |
| Credit loss provision to net charge-offs | 112.8843% | 3,729 |
| Earnings coverage of net charge-offs (x) | 0.3929% | 5,632 |
| Efficiency ratio | 81.6589% | 2,100 |
| Assets per employee ($millions) | 3.1414% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5583% | 1,261 |
| Loan loss allowance to noncurrent loans | 86.7520% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 4.0692% | 1,707 |
| Noncurrent loans to loans | 2.9490% | 2,705 |
| Net loans and leases to total assets | 80.1702% | 720 |
| Net loans and leases to deposits | 89.5325% | 1,781 |
| Net loans and leases to core deposits | 105.7225% | 1,349 |
| Total domestic deposits to total assets | 89.5432% | 1,103 |
| Equity capital to assets | 9.6005% | 4,696 |
| Core capital (leverage) ratio | 9.2412% | 4,293 |
| Tier 1 risk-based capital ratio | 11.8444% | 5,593 |
| Total risk-based capital ratio | 13.1137% | 5,556 |
| Memoranda: | ||
| Average total assets | $134,631,750 | 4,219 |
| Average earning assets | $121,883,000 | 4,244 |
| Average equity | $12,415,000 | 4,569 |
| Average total loans | $109,196,250 | 3,617 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1389% | 699 |
| Cost of funding earning assets | 1.7303% | 1,965 |
| Net interest margin | 4.4087% | 1,423 |
| Noninterest income to average assets | 0.4232% | 4,728 |
| Noninterest expense to average assets | 3.8865% | 1,207 |
| Loan and lease loss provision to assets | 3.4808% | 252 |
| Net operating income to assets | -2.9405% | 7,499 |
| Return on assets (ROA) | -2.9405% | 7,506 |
| Pretax return on assets | -2.9405% | 7,456 |
| Return on Equity (ROE) | -32.3046% | 7,458 |
| Retained earnings to average equity (ytd only) | -32.3046% | 7,447 |
| Net charge-offs to loans | 3.6346% | 395 |
| Credit loss provision to net charge-offs | 118.6128% | 3,423 |
| Earnings coverage of net charge-offs (x) | 0.1841% | 5,540 |
| Efficiency ratio | 87.7936% | 1,528 |
| Assets per employee ($millions) | 3.2166% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5828% | 1,211 |
| Loan loss allowance to noncurrent loans | 78.5574% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 4.4646% | 1,492 |
| Noncurrent loans to loans | 3.2878% | 2,435 |
| Net loans and leases to total assets | 80.0494% | 790 |
| Net loans and leases to deposits | 90.0161% | 1,849 |
| Net loans and leases to core deposits | 108.5999% | 1,255 |
| Total domestic deposits to total assets | 88.9279% | 1,481 |
| Equity capital to assets | 8.8246% | 5,720 |
| Core capital (leverage) ratio | 8.6852% | 5,105 |
| Tier 1 risk-based capital ratio | 11.4589% | 5,809 |
| Total risk-based capital ratio | 12.7312% | 5,762 |
| Memoranda: | ||
| Average total assets | $136,577,000 | 4,200 |
| Average earning assets | $124,028,000 | 4,230 |
| Average equity | $12,431,670 | 4,567 |
| Average total loans | $110,272,670 | 3,627 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9451% | 1,090 |
| Cost of funding earning assets | 1.7439% | 2,157 |
| Net interest margin | 4.2012% | 2,034 |
| Noninterest income to average assets | 0.4089% | 4,833 |
| Noninterest expense to average assets | 3.6250% | 1,682 |
| Loan and lease loss provision to assets | 5.1740% | 145 |
| Net operating income to assets | -4.5751% | 7,755 |
| Return on assets (ROA) | -4.5751% | 7,761 |
| Pretax return on assets | -4.5751% | 7,730 |
| Return on Equity (ROE) | -49.5459% | 7,709 |
| Retained earnings to average equity (ytd only) | -49.5459% | 7,699 |
| Net charge-offs to loans | 3.4057% | 420 |
| Credit loss provision to net charge-offs | 189.7571% | 1,942 |
| Earnings coverage of net charge-offs (x) | 0.2196% | 4,844 |
| Efficiency ratio | 85.8214% | 1,814 |
| Assets per employee ($millions) | 3.2476% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0195% | 808 |
| Loan loss allowance to noncurrent loans | 75.9916% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 5.0916% | 1,251 |
| Noncurrent loans to loans | 3.9735% | 1,970 |
| Net loans and leases to total assets | 77.1386% | 1,305 |
| Net loans and leases to deposits | 86.6783% | 2,471 |
| Net loans and leases to core deposits | 104.5718% | 1,693 |
| Total domestic deposits to total assets | 88.9941% | 1,515 |
| Equity capital to assets | 8.8226% | 5,504 |
| Core capital (leverage) ratio | 8.6222% | 5,170 |
| Tier 1 risk-based capital ratio | 11.8244% | 5,372 |
| Total risk-based capital ratio | 13.1002% | 5,290 |
| Memoranda: | ||
| Average total assets | $138,925,000 | 4,213 |
| Average earning assets | $126,155,000 | 4,240 |
| Average equity | $12,828,500 | 4,518 |
| Average total loans | $111,224,500 | 3,660 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1310% | 232 |
| Cost of funding earning assets | 1.9395% | 3,252 |
| Net interest margin | 5.1916% | 298 |
| Noninterest income to average assets | 0.7043% | 2,937 |
| Noninterest expense to average assets | 3.8091% | 1,682 |
| Loan and lease loss provision to assets | 1.1359% | 2,006 |
| Net operating income to assets | 0.5437% | 3,557 |
| Return on assets (ROA) | 0.3138% | 4,563 |
| Pretax return on assets | 0.3138% | 4,724 |
| Return on Equity (ROE) | 3.1665% | 4,427 |
| Retained earnings to average equity (ytd only) | -1.8605% | 5,484 |
| Net charge-offs to loans | 0.9801% | 2,447 |
| Credit loss provision to net charge-offs | 132.7980% | 3,766 |
| Earnings coverage of net charge-offs (x) | 1.9637% | 4,247 |
| Efficiency ratio | 69.2662% | 4,774 |
| Assets per employee ($millions) | 3.2895% | 5,514 |
| Cash dividends to net income (ytd only)* | 158.7558% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1289% | 1,776 |
| Loan loss allowance to noncurrent loans | 37.8235% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 6.6660% | 801 |
| Noncurrent loans to loans | 5.6285% | 1,141 |
| Net loans and leases to total assets | 78.8476% | 1,216 |
| Net loans and leases to deposits | 89.3162% | 2,335 |
| Net loans and leases to core deposits | 103.2590% | 3,658 |
| Total domestic deposits to total assets | 88.2793% | 1,837 |
| Equity capital to assets | 9.6310% | 4,238 |
| Core capital (leverage) ratio | 9.7726% | 3,364 |
| Tier 1 risk-based capital ratio | 12.0773% | 4,875 |
| Total risk-based capital ratio | 13.3337% | 4,833 |
| Memoranda: | ||
| Average total assets | $138,301,800 | 4,157 |
| Average earning assets | $127,456,800 | 4,145 |
| Average equity | $13,706,000 | 4,336 |
| Average total loans | $120,699,800 | 3,469 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2664% | 203 |
| Cost of funding earning assets | 1.9809% | 3,464 |
| Net interest margin | 5.2855% | 259 |
| Noninterest income to average assets | 0.6874% | 3,111 |
| Noninterest expense to average assets | 3.8695% | 1,479 |
| Loan and lease loss provision to assets | 0.7369% | 2,535 |
| Net operating income to assets | 0.9783% | 2,138 |
| Return on assets (ROA) | 0.6700% | 3,376 |
| Pretax return on assets | 0.6700% | 3,959 |
| Return on Equity (ROE) | 6.7118% | 3,213 |
| Retained earnings to average equity (ytd only) | 0.6994% | 4,894 |
| Net charge-offs to loans | 0.4565% | 3,406 |
| Credit loss provision to net charge-offs | 181.3842% | 2,519 |
| Earnings coverage of net charge-offs (x) | 4.2220% | 3,210 |
| Efficiency ratio | 69.1146% | 4,761 |
| Assets per employee ($millions) | 2.9777% | 6,222 |
| Cash dividends to net income (ytd only)* | 89.5801% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9889% | 1,828 |
| Loan loss allowance to noncurrent loans | 65.1602% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 4.4703% | 1,374 |
| Noncurrent loans to loans | 3.0524% | 2,483 |
| Net loans and leases to total assets | 87.4906% | 233 |
| Net loans and leases to deposits | 100.3415% | 1,077 |
| Net loans and leases to core deposits | 117.4774% | 2,473 |
| Total domestic deposits to total assets | 87.1928% | 2,079 |
| Equity capital to assets | 10.3713% | 3,656 |
| Core capital (leverage) ratio | 10.1316% | 3,137 |
| Tier 1 risk-based capital ratio | 12.1904% | 4,804 |
| Total risk-based capital ratio | 13.4517% | 4,736 |
| Memoranda: | ||
| Average total assets | $137,514,750 | 4,198 |
| Average earning assets | $127,415,000 | 4,170 |
| Average equity | $13,726,750 | 4,353 |
| Average total loans | $122,385,750 | 3,463 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2142% | 233 |
| Cost of funding earning assets | 1.9684% | 3,925 |
| Net interest margin | 5.2459% | 271 |
| Noninterest income to average assets | 0.8018% | 2,400 |
| Noninterest expense to average assets | 3.8460% | 1,579 |
| Loan and lease loss provision to assets | 0.6345% | 2,526 |
| Net operating income to assets | 1.1984% | 1,479 |
| Return on assets (ROA) | 0.9143% | 2,495 |
| Pretax return on assets | 0.9143% | 3,291 |
| Return on Equity (ROE) | 9.2758% | 2,267 |
| Retained earnings to average equity (ytd only) | 2.2238% | 4,104 |
| Net charge-offs to loans | 0.7899% | 2,099 |
| Credit loss provision to net charge-offs | 90.3491% | 4,912 |
| Earnings coverage of net charge-offs (x) | 2.6099% | 3,769 |
| Efficiency ratio | 67.4708% | 5,262 |
| Assets per employee ($millions) | 3.2194% | 5,539 |
| Cash dividends to net income (ytd only)* | 76.0252% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 2,666 |
| Loan loss allowance to noncurrent loans | 43.7679% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 5.0059% | 1,060 |
| Noncurrent loans to loans | 3.6988% | 1,880 |
| Net loans and leases to total assets | 87.4014% | 279 |
| Net loans and leases to deposits | 105.7584% | 778 |
| Net loans and leases to core deposits | 123.8637% | 2,040 |
| Total domestic deposits to total assets | 82.6425% | 4,404 |
| Equity capital to assets | 10.0993% | 3,815 |
| Core capital (leverage) ratio | 10.2192% | 3,072 |
| Tier 1 risk-based capital ratio | 11.8175% | 5,088 |
| Total risk-based capital ratio | 13.0737% | 4,995 |
| Memoranda: | ||
| Average total assets | $138,688,000 | 4,200 |
| Average earning assets | $128,939,330 | 4,160 |
| Average equity | $13,670,000 | 4,378 |
| Average total loans | $123,310,330 | 3,465 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2089% | 251 |
| Cost of funding earning assets | 1.9994% | 4,133 |
| Net interest margin | 5.2095% | 276 |
| Noninterest income to average assets | 1.2189% | 972 |
| Noninterest expense to average assets | 3.8498% | 1,382 |
| Loan and lease loss provision to assets | 0.6339% | 1,990 |
| Net operating income to assets | 1.6079% | 777 |
| Return on assets (ROA) | 1.6079% | 849 |
| Pretax return on assets | 1.6079% | 1,384 |
| Return on Equity (ROE) | 16.5156% | 752 |
| Retained earnings to average equity (ytd only) | 6.3339% | 2,478 |
| Net charge-offs to loans | 0.1620% | 3,670 |
| Credit loss provision to net charge-offs | 440.0000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 15.5600% | 1,602 |
| Efficiency ratio | 62.7247% | 5,924 |
| Assets per employee ($millions) | 3.2898% | 5,341 |
| Cash dividends to net income (ytd only)* | 61.6487% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 1,889 |
| Loan loss allowance to noncurrent loans | 43.9841% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 3.8416% | 1,370 |
| Noncurrent loans to loans | 4.0565% | 1,478 |
| Net loans and leases to total assets | 87.9671% | 269 |
| Net loans and leases to deposits | 108.2141% | 712 |
| Net loans and leases to core deposits | 132.3212% | 1,514 |
| Total domestic deposits to total assets | 81.2899% | 4,841 |
| Equity capital to assets | 9.8943% | 4,121 |
| Core capital (leverage) ratio | 10.0964% | 3,292 |
| Tier 1 risk-based capital ratio | 11.9473% | 5,005 |
| Total risk-based capital ratio | 13.2066% | 4,899 |
| Memoranda: | ||
| Average total assets | $138,814,000 | 4,211 |
| Average earning assets | $129,840,000 | 4,159 |
| Average equity | $13,514,500 | 4,439 |
| Average total loans | $123,472,500 | 3,492 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9103% | 217 |
| Cost of funding earning assets | 2.6728% | 3,302 |
| Net interest margin | 5.2375% | 315 |
| Noninterest income to average assets | 0.8620% | 2,154 |
| Noninterest expense to average assets | 4.3129% | 1,031 |
| Loan and lease loss provision to assets | 0.2659% | 4,271 |
| Net operating income to assets | 1.1471% | 1,959 |
| Return on assets (ROA) | 1.2010% | 1,696 |
| Pretax return on assets | 1.2018% | 2,632 |
| Return on Equity (ROE) | 12.5192% | 1,441 |
| Retained earnings to average equity (ytd only) | 10.1170% | 431 |
| Net charge-offs to loans | 0.6882% | 1,784 |
| Credit loss provision to net charge-offs | 43.9560% | 6,418 |
| Earnings coverage of net charge-offs (x) | 2.3370% | 4,921 |
| Efficiency ratio | 74.7324% | 3,454 |
| Assets per employee ($millions) | 3.0990% | 5,767 |
| Cash dividends to net income (ytd only)* | 19.1882% | 4,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 2,045 |
| Loan loss allowance to noncurrent loans | 103.2421% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.6220% | 3,001 |
| Noncurrent loans to loans | 1.6024% | 3,367 |
| Net loans and leases to total assets | 86.8755% | 481 |
| Net loans and leases to deposits | 110.0480% | 829 |
| Net loans and leases to core deposits | 135.1381% | 1,528 |
| Total domestic deposits to total assets | 78.9433% | 5,397 |
| Equity capital to assets | 9.5786% | 4,578 |
| Core capital (leverage) ratio | 9.8262% | 3,614 |
| Tier 1 risk-based capital ratio | 11.3596% | 5,374 |
| Total risk-based capital ratio | 12.6162% | 5,268 |
| Memoranda: | ||
| Average total assets | $135,385,800 | 4,177 |
| Average earning assets | $125,747,800 | 4,135 |
| Average equity | $12,988,000 | 4,582 |
| Average total loans | $118,998,800 | 3,491 |