Home > Bank of Georgetown > Performance and Condition Ratios
Bank of Georgetown, Performance and Condition Ratios
| 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 | 4.0625% | 2,992 |
| Cost of funding earning assets | 0.4966% | 2,136 |
| Net interest margin | 3.5660% | 3,219 |
| Noninterest income to average assets | 0.0886% | 5,855 |
| Noninterest expense to average assets | 2.7243% | 3,330 |
| Loan and lease loss provision to assets | 0.1966% | 998 |
| Net operating income to assets | 0.3970% | 5,005 |
| Return on assets (ROA) | 0.4089% | 5,047 |
| Pretax return on assets | 0.5991% | 4,824 |
| Return on Equity (ROE) | 4.0007% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.0007% | 3,488 |
| Net charge-offs to loans | 0.2300% | 886 |
| Credit loss provision to net charge-offs | 112.0219% | 1,501 |
| Earnings coverage of net charge-offs (x) | 4.4335% | 2,437 |
| Efficiency ratio | 77.7818% | 1,925 |
| Assets per employee ($millions) | 13.8452% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 4,485 |
| Loan loss allowance to noncurrent loans | 1,546.2366% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,415 |
| Noncurrent loans to loans | 0.0660% | 5,213 |
| Net loans and leases to total assets | 76.6124% | 1,305 |
| Net loans and leases to deposits | 101.2123% | 551 |
| Net loans and leases to core deposits | 131.4552% | 250 |
| Total domestic deposits to total assets | 75.6947% | 5,450 |
| Equity capital to assets | 10.1910% | 3,853 |
| Core capital (leverage) ratio | 10.3406% | 3,141 |
| Tier 1 risk-based capital ratio | 11.2681% | 5,360 |
| Total risk-based capital ratio | 12.1589% | 5,456 |
| Memoranda: | ||
| Average total assets | $1,251,130,500 | 583 |
| Average earning assets | $1,197,771,500 | 561 |
| Average equity | $127,877,000 | 625 |
| Average total loans | $954,648,000 | 527 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,508 |
| Cost of funding earning assets | 0.4620% | 2,519 |
| Net interest margin | 3.4913% | 3,556 |
| Noninterest income to average assets | 0.1180% | 5,811 |
| Noninterest expense to average assets | 2.2345% | 4,966 |
| Loan and lease loss provision to assets | 0.1253% | 1,922 |
| Net operating income to assets | 0.6984% | 3,818 |
| Return on assets (ROA) | 0.7192% | 3,822 |
| Pretax return on assets | 1.1234% | 2,947 |
| Return on Equity (ROE) | 6.9754% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.9754% | 1,289 |
| Net charge-offs to loans | -0.0007% | 4,828 |
| Credit loss provision to net charge-offs | -24,416.6667% | 5,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7542% | 4,126 |
| Assets per employee ($millions) | 11.8125% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 4,129 |
| Loan loss allowance to noncurrent loans | 461.6805% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,900 |
| Noncurrent loans to loans | 0.2346% | 4,586 |
| Net loans and leases to total assets | 74.3485% | 1,670 |
| Net loans and leases to deposits | 93.9520% | 1,205 |
| Net loans and leases to core deposits | 121.5780% | 437 |
| Total domestic deposits to total assets | 79.1345% | 4,949 |
| Equity capital to assets | 10.2520% | 3,677 |
| Core capital (leverage) ratio | 10.4558% | 2,979 |
| Tier 1 risk-based capital ratio | 11.5886% | 5,198 |
| Total risk-based capital ratio | 12.5185% | 5,288 |
| Memoranda: | ||
| Average total assets | $1,168,775,800 | 602 |
| Average earning assets | $1,115,672,800 | 576 |
| Average equity | $120,509,200 | 634 |
| Average total loans | $848,291,000 | 557 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9357% | 3,602 |
| Cost of funding earning assets | 0.4569% | 2,621 |
| Net interest margin | 3.4788% | 3,631 |
| Noninterest income to average assets | 0.1224% | 5,862 |
| Noninterest expense to average assets | 2.0165% | 5,452 |
| Loan and lease loss provision to assets | 0.1075% | 2,083 |
| Net operating income to assets | 0.8377% | 3,231 |
| Return on assets (ROA) | 0.8658% | 3,192 |
| Pretax return on assets | 1.3612% | 2,174 |
| Return on Equity (ROE) | 8.3847% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.3847% | 1,091 |
| Net charge-offs to loans | -0.0003% | 4,648 |
| Credit loss provision to net charge-offs | -46,500.0000% | 5,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5978% | 5,052 |
| Assets per employee ($millions) | 11.0537% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 4,336 |
| Loan loss allowance to noncurrent loans | 742.6217% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 5,327 |
| Noncurrent loans to loans | 0.1455% | 5,059 |
| Net loans and leases to total assets | 71.2147% | 2,190 |
| Net loans and leases to deposits | 90.2809% | 1,606 |
| Net loans and leases to core deposits | 115.7009% | 601 |
| Total domestic deposits to total assets | 78.8812% | 5,004 |
| Equity capital to assets | 10.1545% | 3,988 |
| Core capital (leverage) ratio | 10.4287% | 3,132 |
| Tier 1 risk-based capital ratio | 12.0960% | 5,025 |
| Total risk-based capital ratio | 13.0403% | 5,127 |
| Memoranda: | ||
| Average total assets | $1,153,843,750 | 613 |
| Average earning assets | $1,100,802,000 | 589 |
| Average equity | $119,150,000 | 647 |
| Average total loans | $829,520,250 | 568 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 3,628 |
| Cost of funding earning assets | 0.4551% | 2,665 |
| Net interest margin | 3.4611% | 3,657 |
| Noninterest income to average assets | 0.1257% | 5,921 |
| Noninterest expense to average assets | 2.0172% | 5,495 |
| Loan and lease loss provision to assets | 0.1465% | 1,467 |
| Net operating income to assets | 0.7958% | 3,412 |
| Return on assets (ROA) | 0.8387% | 3,287 |
| Pretax return on assets | 1.3255% | 2,260 |
| Return on Equity (ROE) | 8.0741% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.0741% | 1,235 |
| Net charge-offs to loans | -0.0005% | 4,547 |
| Credit loss provision to net charge-offs | -41,500.0000% | 5,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9458% | 5,118 |
| Assets per employee ($millions) | 10.7332% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 4,342 |
| Loan loss allowance to noncurrent loans | 899.2315% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 5,513 |
| Noncurrent loans to loans | 0.1219% | 5,266 |
| Net loans and leases to total assets | 70.8684% | 2,185 |
| Net loans and leases to deposits | 88.6179% | 1,760 |
| Net loans and leases to core deposits | 114.0939% | 663 |
| Total domestic deposits to total assets | 79.9707% | 4,878 |
| Equity capital to assets | 10.0423% | 3,993 |
| Core capital (leverage) ratio | 10.6161% | 2,831 |
| Tier 1 risk-based capital ratio | 12.1406% | 5,047 |
| Total risk-based capital ratio | 13.1005% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,133,156,670 | 629 |
| Average earning assets | $1,079,251,670 | 601 |
| Average equity | $117,710,330 | 656 |
| Average total loans | $814,239,000 | 572 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 3,551 |
| Cost of funding earning assets | 0.4608% | 2,676 |
| Net interest margin | 3.4507% | 3,624 |
| Noninterest income to average assets | 0.1246% | 5,978 |
| Noninterest expense to average assets | 2.0387% | 5,505 |
| Loan and lease loss provision to assets | 0.1920% | 979 |
| Net operating income to assets | 0.7511% | 3,532 |
| Return on assets (ROA) | 0.8271% | 3,255 |
| Pretax return on assets | 1.3039% | 2,266 |
| Return on Equity (ROE) | 7.8222% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.8222% | 1,639 |
| Net charge-offs to loans | -0.0005% | 4,313 |
| Credit loss provision to net charge-offs | -53,000.0000% | 5,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6839% | 5,135 |
| Assets per employee ($millions) | 10.9184% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 4,498 |
| Loan loss allowance to noncurrent loans | 2,347.1503% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 5,802 |
| Noncurrent loans to loans | 0.0471% | 5,597 |
| Net loans and leases to total assets | 71.4393% | 1,909 |
| Net loans and leases to deposits | 91.0025% | 1,295 |
| Net loans and leases to core deposits | 113.4356% | 595 |
| Total domestic deposits to total assets | 78.5026% | 5,351 |
| Equity capital to assets | 10.4308% | 3,612 |
| Core capital (leverage) ratio | 10.7711% | 2,661 |
| Tier 1 risk-based capital ratio | 12.1875% | 5,121 |
| Total risk-based capital ratio | 13.1407% | 5,200 |
| Memoranda: | ||
| Average total assets | $1,104,044,000 | 640 |
| Average earning assets | $1,053,013,500 | 608 |
| Average equity | $116,744,500 | 659 |
| Average total loans | $794,521,500 | 582 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 3,995 |
| Cost of funding earning assets | 0.4652% | 3,023 |
| Net interest margin | 3.4700% | 3,898 |
| Noninterest income to average assets | 0.1290% | 6,046 |
| Noninterest expense to average assets | 2.1344% | 5,498 |
| Loan and lease loss provision to assets | 0.1509% | 1,738 |
| Net operating income to assets | 0.7230% | 3,781 |
| Return on assets (ROA) | 0.7362% | 3,814 |
| Pretax return on assets | 1.1571% | 2,840 |
| Return on Equity (ROE) | 6.8469% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.8469% | 1,480 |
| Net charge-offs to loans | 0.0026% | 4,914 |
| Credit loss provision to net charge-offs | 8,555.5556% | 34 |
| Earnings coverage of net charge-offs (x) | 730.0556% | 64 |
| Efficiency ratio | 62.3769% | 4,851 |
| Assets per employee ($millions) | 9.6628% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 4,494 |
| Loan loss allowance to noncurrent loans | 2,209.5855% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,896 |
| Noncurrent loans to loans | 0.0502% | 5,678 |
| Net loans and leases to total assets | 70.8809% | 2,096 |
| Net loans and leases to deposits | 90.6849% | 1,444 |
| Net loans and leases to core deposits | 112.7880% | 652 |
| Total domestic deposits to total assets | 78.1618% | 5,407 |
| Equity capital to assets | 10.7261% | 3,206 |
| Core capital (leverage) ratio | 10.8400% | 2,567 |
| Tier 1 risk-based capital ratio | 12.6644% | 4,938 |
| Total risk-based capital ratio | 13.6167% | 5,038 |
| Memoranda: | ||
| Average total assets | $1,020,769,200 | 661 |
| Average earning assets | $968,626,400 | 630 |
| Average equity | $109,758,400 | 668 |
| Average total loans | $693,193,000 | 625 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 4,113 |
| Cost of funding earning assets | 0.4637% | 3,116 |
| Net interest margin | 3.4520% | 4,014 |
| Noninterest income to average assets | 0.1285% | 6,124 |
| Noninterest expense to average assets | 2.1872% | 5,381 |
| Loan and lease loss provision to assets | 0.1455% | 1,720 |
| Net operating income to assets | 0.6802% | 4,045 |
| Return on assets (ROA) | 0.6979% | 4,045 |
| Pretax return on assets | 1.0942% | 3,210 |
| Return on Equity (ROE) | 6.4860% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.4860% | 2,113 |
| Net charge-offs to loans | 0.0439% | 3,620 |
| Credit loss provision to net charge-offs | 495.4955% | 582 |
| Earnings coverage of net charge-offs (x) | 41.2706% | 1,103 |
| Efficiency ratio | 64.3433% | 4,487 |
| Assets per employee ($millions) | 9.4575% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 4,740 |
| Loan loss allowance to noncurrent loans | 2,042.7461% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 6,023 |
| Noncurrent loans to loans | 0.0540% | 5,802 |
| Net loans and leases to total assets | 67.3948% | 2,630 |
| Net loans and leases to deposits | 86.2906% | 1,877 |
| Net loans and leases to core deposits | 106.9279% | 904 |
| Total domestic deposits to total assets | 78.1021% | 5,511 |
| Equity capital to assets | 10.6586% | 3,357 |
| Core capital (leverage) ratio | 10.7571% | 2,752 |
| Tier 1 risk-based capital ratio | 13.1763% | 4,746 |
| Total risk-based capital ratio | 14.1121% | 4,865 |
| Memoranda: | ||
| Average total assets | $1,007,817,500 | 667 |
| Average earning assets | $954,944,500 | 638 |
| Average equity | $108,436,500 | 675 |
| Average total loans | $674,296,000 | 641 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,233 |
| Cost of funding earning assets | 0.4622% | 3,192 |
| Net interest margin | 3.4156% | 4,114 |
| Noninterest income to average assets | 0.1274% | 6,173 |
| Noninterest expense to average assets | 2.2499% | 5,285 |
| Loan and lease loss provision to assets | 0.1368% | 1,808 |
| Net operating income to assets | 0.6261% | 4,215 |
| Return on assets (ROA) | 0.6530% | 4,178 |
| Pretax return on assets | 1.0235% | 3,382 |
| Return on Equity (ROE) | 6.0493% | 4,121 |
| Retained earnings to average equity (ytd only) | 6.0493% | 2,293 |
| Net charge-offs to loans | 0.0506% | 3,251 |
| Credit loss provision to net charge-offs | 407.1856% | 685 |
| Earnings coverage of net charge-offs (x) | 33.2754% | 1,185 |
| Efficiency ratio | 66.7981% | 4,229 |
| Assets per employee ($millions) | 9.8192% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 4,867 |
| Loan loss allowance to noncurrent loans | 353.7159% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,525 |
| Noncurrent loans to loans | 0.3134% | 5,075 |
| Net loans and leases to total assets | 62.6776% | 3,289 |
| Net loans and leases to deposits | 80.3971% | 2,462 |
| Net loans and leases to core deposits | 99.3466% | 1,331 |
| Total domestic deposits to total assets | 77.9600% | 5,641 |
| Equity capital to assets | 10.2647% | 3,740 |
| Core capital (leverage) ratio | 11.1556% | 2,289 |
| Tier 1 risk-based capital ratio | 13.3572% | 4,684 |
| Total risk-based capital ratio | 14.2797% | 4,824 |
| Memoranda: | ||
| Average total assets | $993,830,000 | 674 |
| Average earning assets | $942,976,000 | 645 |
| Average equity | $107,284,670 | 676 |
| Average total loans | $660,600,670 | 647 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,882 |
| Cost of funding earning assets | 0.4762% | 3,164 |
| Net interest margin | 3.4769% | 3,794 |
| Noninterest income to average assets | 0.1285% | 6,208 |
| Noninterest expense to average assets | 2.2516% | 5,321 |
| Loan and lease loss provision to assets | 0.1842% | 1,299 |
| Net operating income to assets | 0.6283% | 4,050 |
| Return on assets (ROA) | 0.6283% | 4,136 |
| Pretax return on assets | 0.9870% | 3,376 |
| Return on Equity (ROE) | 5.6644% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.6644% | 2,711 |
| Net charge-offs to loans | 0.1203% | 2,003 |
| Credit loss provision to net charge-offs | 224.4898% | 965 |
| Earnings coverage of net charge-offs (x) | 14.2755% | 1,621 |
| Efficiency ratio | 65.7821% | 4,566 |
| Assets per employee ($millions) | 9.1063% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,204 |
| Loan loss allowance to noncurrent loans | 310.6684% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 5,487 |
| Noncurrent loans to loans | 0.3477% | 5,072 |
| Net loans and leases to total assets | 67.5153% | 2,297 |
| Net loans and leases to deposits | 84.4651% | 1,775 |
| Net loans and leases to core deposits | 103.8596% | 867 |
| Total domestic deposits to total assets | 79.9328% | 5,496 |
| Equity capital to assets | 10.9093% | 2,814 |
| Core capital (leverage) ratio | 11.5570% | 1,929 |
| Tier 1 risk-based capital ratio | 13.4882% | 4,687 |
| Total risk-based capital ratio | 14.4016% | 4,851 |
| Memoranda: | ||
| Average total assets | $955,601,000 | 711 |
| Average earning assets | $905,408,000 | 680 |
| Average equity | $105,996,000 | 686 |
| Average total loans | $651,725,500 | 660 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 4,230 |
| Cost of funding earning assets | 0.4925% | 3,680 |
| Net interest margin | 3.4701% | 4,023 |
| Noninterest income to average assets | 0.1428% | 6,226 |
| Noninterest expense to average assets | 2.1529% | 5,724 |
| Loan and lease loss provision to assets | 0.1425% | 2,523 |
| Net operating income to assets | 0.7150% | 3,722 |
| Return on assets (ROA) | 0.7210% | 3,784 |
| Pretax return on assets | 1.1327% | 2,836 |
| Return on Equity (ROE) | 7.3002% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.3002% | 1,316 |
| Net charge-offs to loans | 0.0481% | 4,552 |
| Credit loss provision to net charge-offs | 452.3636% | 510 |
| Earnings coverage of net charge-offs (x) | 40.1709% | 946 |
| Efficiency ratio | 62.9755% | 5,061 |
| Assets per employee ($millions) | 8.4339% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 5,107 |
| Loan loss allowance to noncurrent loans | 160.8586% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 4,834 |
| Noncurrent loans to loans | 0.6890% | 4,248 |
| Net loans and leases to total assets | 67.3902% | 2,459 |
| Net loans and leases to deposits | 85.1519% | 1,795 |
| Net loans and leases to core deposits | 106.5520% | 767 |
| Total domestic deposits to total assets | 79.1412% | 5,623 |
| Equity capital to assets | 11.2859% | 2,356 |
| Core capital (leverage) ratio | 11.7032% | 1,822 |
| Tier 1 risk-based capital ratio | 14.1006% | 4,226 |
| Total risk-based capital ratio | 15.0397% | 4,390 |
| Memoranda: | ||
| Average total assets | $872,756,200 | 756 |
| Average earning assets | $823,913,600 | 726 |
| Average equity | $86,202,600 | 826 |
| Average total loans | $571,786,600 | 734 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 4,255 |
| Cost of funding earning assets | 0.4887% | 3,882 |
| Net interest margin | 3.4777% | 3,979 |
| Noninterest income to average assets | 0.1481% | 6,291 |
| Noninterest expense to average assets | 2.2034% | 5,600 |
| Loan and lease loss provision to assets | 0.1125% | 2,891 |
| Net operating income to assets | 0.7073% | 3,816 |
| Return on assets (ROA) | 0.7155% | 3,912 |
| Pretax return on assets | 1.1234% | 3,007 |
| Return on Equity (ROE) | 7.5345% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.5345% | 1,627 |
| Net charge-offs to loans | 0.0280% | 4,564 |
| Credit loss provision to net charge-offs | 619.6581% | 460 |
| Earnings coverage of net charge-offs (x) | 67.3487% | 679 |
| Efficiency ratio | 64.3051% | 4,749 |
| Assets per employee ($millions) | 8.4011% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,277 |
| Loan loss allowance to noncurrent loans | 307.6852% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 5,664 |
| Noncurrent loans to loans | 0.3616% | 5,305 |
| Net loans and leases to total assets | 66.3334% | 2,581 |
| Net loans and leases to deposits | 79.9190% | 2,424 |
| Net loans and leases to core deposits | 97.5468% | 1,272 |
| Total domestic deposits to total assets | 83.0009% | 4,572 |
| Equity capital to assets | 9.2566% | 4,852 |
| Core capital (leverage) ratio | 9.6098% | 4,228 |
| Tier 1 risk-based capital ratio | 11.7638% | 5,919 |
| Total risk-based capital ratio | 12.7111% | 6,039 |
| Memoranda: | ||
| Average total assets | $859,013,500 | 774 |
| Average earning assets | $809,780,000 | 747 |
| Average equity | $81,577,750 | 880 |
| Average total loans | $556,682,250 | 751 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 4,392 |
| Cost of funding earning assets | 0.4827% | 4,063 |
| Net interest margin | 3.4395% | 4,045 |
| Noninterest income to average assets | 0.1534% | 6,282 |
| Noninterest expense to average assets | 2.2383% | 5,529 |
| Loan and lease loss provision to assets | 0.1042% | 3,053 |
| Net operating income to assets | 0.6699% | 3,963 |
| Return on assets (ROA) | 0.6824% | 4,059 |
| Pretax return on assets | 1.0722% | 3,205 |
| Return on Equity (ROE) | 7.1224% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.1224% | 1,832 |
| Net charge-offs to loans | 0.0250% | 4,348 |
| Credit loss provision to net charge-offs | 650.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 72.1765% | 622 |
| Efficiency ratio | 65.9261% | 4,560 |
| Assets per employee ($millions) | 9.2493% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,388 |
| Loan loss allowance to noncurrent loans | 287.1921% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 5,063 |
| Noncurrent loans to loans | 0.3873% | 5,303 |
| Net loans and leases to total assets | 61.0244% | 3,482 |
| Net loans and leases to deposits | 73.8360% | 3,184 |
| Net loans and leases to core deposits | 87.9162% | 2,117 |
| Total domestic deposits to total assets | 82.6485% | 4,834 |
| Equity capital to assets | 8.6512% | 5,612 |
| Core capital (leverage) ratio | 9.7208% | 3,906 |
| Tier 1 risk-based capital ratio | 11.3239% | 6,190 |
| Total risk-based capital ratio | 12.2243% | 6,319 |
| Memoranda: | ||
| Average total assets | $848,511,000 | 780 |
| Average earning assets | $799,705,000 | 760 |
| Average equity | $81,293,000 | 890 |
| Average total loans | $543,123,330 | 768 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,998 |
| Cost of funding earning assets | 0.5016% | 4,072 |
| Net interest margin | 3.5280% | 3,583 |
| Noninterest income to average assets | 0.1638% | 6,278 |
| Noninterest expense to average assets | 2.3027% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7472% | 3,449 |
| Return on assets (ROA) | 0.7472% | 3,585 |
| Pretax return on assets | 1.1752% | 2,665 |
| Return on Equity (ROE) | 7.3837% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.3837% | 1,992 |
| Net charge-offs to loans | -0.0023% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2099% | 4,629 |
| Assets per employee ($millions) | 8.4620% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,521 |
| Loan loss allowance to noncurrent loans | 241.9303% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 4,750 |
| Noncurrent loans to loans | 0.4635% | 5,263 |
| Net loans and leases to total assets | 64.2410% | 2,661 |
| Net loans and leases to deposits | 76.7154% | 2,520 |
| Net loans and leases to core deposits | 91.5947% | 1,545 |
| Total domestic deposits to total assets | 83.7395% | 4,576 |
| Equity capital to assets | 9.9262% | 4,245 |
| Core capital (leverage) ratio | 10.2318% | 3,105 |
| Tier 1 risk-based capital ratio | 12.0483% | 5,887 |
| Total risk-based capital ratio | 12.9679% | 6,053 |
| Memoranda: | ||
| Average total assets | $805,677,000 | 832 |
| Average earning assets | $756,799,000 | 812 |
| Average equity | $81,530,500 | 899 |
| Average total loans | $526,440,000 | 799 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 4,308 |
| Cost of funding earning assets | 0.5723% | 4,618 |
| Net interest margin | 3.7005% | 3,643 |
| Noninterest income to average assets | 0.7725% | 2,377 |
| Noninterest expense to average assets | 2.7884% | 4,064 |
| Loan and lease loss provision to assets | 0.4666% | 1,336 |
| Net operating income to assets | 0.8731% | 2,943 |
| Return on assets (ROA) | 0.8755% | 3,174 |
| Pretax return on assets | 1.0146% | 3,500 |
| Return on Equity (ROE) | 8.2316% | 2,989 |
| Retained earnings to average equity (ytd only) | 8.2316% | 1,056 |
| Net charge-offs to loans | 0.5402% | 2,111 |
| Credit loss provision to net charge-offs | 135.6336% | 2,051 |
| Earnings coverage of net charge-offs (x) | 4.2978% | 3,417 |
| Efficiency ratio | 65.3512% | 4,637 |
| Assets per employee ($millions) | 8.3200% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,238 |
| Loan loss allowance to noncurrent loans | 271.8595% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 4,842 |
| Noncurrent loans to loans | 0.4320% | 5,417 |
| Net loans and leases to total assets | 64.9636% | 2,729 |
| Net loans and leases to deposits | 77.9218% | 2,548 |
| Net loans and leases to core deposits | 94.8374% | 1,399 |
| Total domestic deposits to total assets | 83.3702% | 4,575 |
| Equity capital to assets | 10.3244% | 3,725 |
| Core capital (leverage) ratio | 10.4213% | 2,855 |
| Tier 1 risk-based capital ratio | 12.3887% | 5,550 |
| Total risk-based capital ratio | 13.3521% | 5,683 |
| Memoranda: | ||
| Average total assets | $720,379,600 | 920 |
| Average earning assets | $680,236,200 | 887 |
| Average equity | $76,619,600 | 922 |
| Average total loans | $458,683,400 | 904 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 4,460 |
| Cost of funding earning assets | 0.5929% | 4,720 |
| Net interest margin | 3.7051% | 3,778 |
| Noninterest income to average assets | 0.1532% | 6,384 |
| Noninterest expense to average assets | 2.3592% | 5,517 |
| Loan and lease loss provision to assets | 0.5409% | 1,092 |
| Net operating income to assets | 0.4587% | 4,999 |
| Return on assets (ROA) | 0.4611% | 5,239 |
| Pretax return on assets | 0.7649% | 4,613 |
| Return on Equity (ROE) | 4.3004% | 5,149 |
| Retained earnings to average equity (ytd only) | 4.3004% | 3,859 |
| Net charge-offs to loans | 0.8111% | 1,348 |
| Credit loss provision to net charge-offs | 105.6911% | 2,781 |
| Earnings coverage of net charge-offs (x) | 2.5440% | 4,024 |
| Efficiency ratio | 64.4385% | 4,730 |
| Assets per employee ($millions) | 8.5258% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,686 |
| Loan loss allowance to noncurrent loans | 110.6503% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 5,046 |
| Noncurrent loans to loans | 1.0011% | 4,449 |
| Net loans and leases to total assets | 61.7689% | 3,433 |
| Net loans and leases to deposits | 73.2578% | 3,397 |
| Net loans and leases to core deposits | 90.5133% | 1,924 |
| Total domestic deposits to total assets | 84.3172% | 4,073 |
| Equity capital to assets | 10.0335% | 4,443 |
| Core capital (leverage) ratio | 10.0796% | 3,429 |
| Tier 1 risk-based capital ratio | 12.5080% | 5,634 |
| Total risk-based capital ratio | 13.4131% | 5,818 |
| Memoranda: | ||
| Average total assets | $704,955,250 | 942 |
| Average earning assets | $667,456,750 | 911 |
| Average equity | $75,588,250 | 935 |
| Average total loans | $444,828,500 | 935 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 4,397 |
| Cost of funding earning assets | 0.6194% | 4,727 |
| Net interest margin | 3.7251% | 3,703 |
| Noninterest income to average assets | 0.1628% | 6,362 |
| Noninterest expense to average assets | 2.4164% | 5,394 |
| Loan and lease loss provision to assets | 0.0956% | 4,348 |
| Net operating income to assets | 0.7087% | 3,829 |
| Return on assets (ROA) | 0.7124% | 4,068 |
| Pretax return on assets | 1.1871% | 2,984 |
| Return on Equity (ROE) | 6.4882% | 4,054 |
| Retained earnings to average equity (ytd only) | 6.4882% | 2,388 |
| Net charge-offs to loans | 0.0669% | 4,496 |
| Credit loss provision to net charge-offs | 225.5172% | 1,260 |
| Earnings coverage of net charge-offs (x) | 30.1241% | 1,066 |
| Efficiency ratio | 65.4266% | 4,642 |
| Assets per employee ($millions) | 8.1089% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 5,409 |
| Loan loss allowance to noncurrent loans | 121.9886% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 5,185 |
| Noncurrent loans to loans | 0.9730% | 4,573 |
| Net loans and leases to total assets | 61.5662% | 3,517 |
| Net loans and leases to deposits | 74.4501% | 3,219 |
| Net loans and leases to core deposits | 90.0380% | 1,981 |
| Total domestic deposits to total assets | 82.6946% | 4,878 |
| Equity capital to assets | 10.6215% | 3,545 |
| Core capital (leverage) ratio | 11.0106% | 2,282 |
| Tier 1 risk-based capital ratio | 13.4556% | 4,866 |
| Total risk-based capital ratio | 14.4346% | 5,025 |
| Memoranda: | ||
| Average total assets | $684,167,670 | 966 |
| Average earning assets | $648,416,670 | 933 |
| Average equity | $75,121,330 | 933 |
| Average total loans | $433,347,000 | 965 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 4,393 |
| Cost of funding earning assets | 0.6468% | 4,757 |
| Net interest margin | 3.7366% | 3,656 |
| Noninterest income to average assets | 0.1413% | 6,530 |
| Noninterest expense to average assets | 2.4508% | 5,313 |
| Loan and lease loss provision to assets | 0.1298% | 3,723 |
| Net operating income to assets | 0.6516% | 4,114 |
| Return on assets (ROA) | 0.6516% | 4,329 |
| Pretax return on assets | 1.1133% | 3,274 |
| Return on Equity (ROE) | 5.8315% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.8315% | 3,056 |
| Net charge-offs to loans | 0.2465% | 2,695 |
| Credit loss provision to net charge-offs | 82.4427% | 2,684 |
| Earnings coverage of net charge-offs (x) | 7.8931% | 2,025 |
| Efficiency ratio | 66.3466% | 4,492 |
| Assets per employee ($millions) | 8.5143% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,622 |
| Loan loss allowance to noncurrent loans | 119.8171% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 5,254 |
| Noncurrent loans to loans | 0.9792% | 4,716 |
| Net loans and leases to total assets | 61.6386% | 3,329 |
| Net loans and leases to deposits | 74.6216% | 3,025 |
| Net loans and leases to core deposits | 95.0492% | 1,370 |
| Total domestic deposits to total assets | 82.6015% | 5,080 |
| Equity capital to assets | 10.7447% | 3,219 |
| Core capital (leverage) ratio | 11.5116% | 1,885 |
| Tier 1 risk-based capital ratio | 13.6352% | 4,724 |
| Total risk-based capital ratio | 14.6050% | 4,920 |
| Memoranda: | ||
| Average total assets | $665,407,500 | 990 |
| Average earning assets | $632,657,000 | 952 |
| Average equity | $74,355,000 | 936 |
| Average total loans | $425,194,000 | 983 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 3,713 |
| Cost of funding earning assets | 0.8955% | 4,155 |
| Net interest margin | 3.9251% | 3,224 |
| Noninterest income to average assets | 0.1574% | 6,360 |
| Noninterest expense to average assets | 2.8797% | 4,043 |
| Loan and lease loss provision to assets | 0.4931% | 2,140 |
| Net operating income to assets | 0.3146% | 5,202 |
| Return on assets (ROA) | 0.4440% | 4,880 |
| Pretax return on assets | 0.7252% | 4,237 |
| Return on Equity (ROE) | 3.8437% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.8437% | 3,477 |
| Net charge-offs to loans | 0.1716% | 4,784 |
| Credit loss provision to net charge-offs | 426.5924% | 535 |
| Earnings coverage of net charge-offs (x) | 8.7914% | 2,090 |
| Efficiency ratio | 73.9157% | 3,251 |
| Assets per employee ($millions) | 7.1891% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 5,217 |
| Loan loss allowance to noncurrent loans | 120.5002% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 4,811 |
| Noncurrent loans to loans | 1.0310% | 4,646 |
| Net loans and leases to total assets | 64.7728% | 3,029 |
| Net loans and leases to deposits | 79.7966% | 2,558 |
| Net loans and leases to core deposits | 107.6156% | 726 |
| Total domestic deposits to total assets | 81.1724% | 5,399 |
| Equity capital to assets | 11.6486% | 2,387 |
| Core capital (leverage) ratio | 12.4587% | 1,366 |
| Tier 1 risk-based capital ratio | 14.3053% | 4,104 |
| Total risk-based capital ratio | 15.3480% | 4,209 |
| Memoranda: | ||
| Average total assets | $543,283,000 | 1,216 |
| Average earning assets | $517,461,000 | 1,155 |
| Average equity | $62,751,400 | 1,072 |
| Average total loans | $366,025,400 | 1,156 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 3,461 |
| Cost of funding earning assets | 0.9683% | 3,905 |
| Net interest margin | 3.9541% | 3,136 |
| Noninterest income to average assets | 0.1561% | 6,481 |
| Noninterest expense to average assets | 2.9213% | 3,833 |
| Loan and lease loss provision to assets | 0.5761% | 1,707 |
| Net operating income to assets | 0.2542% | 5,557 |
| Return on assets (ROA) | 0.4341% | 5,035 |
| Pretax return on assets | 0.7159% | 4,414 |
| Return on Equity (ROE) | 3.7678% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.7678% | 4,059 |
| Net charge-offs to loans | 0.2502% | 3,862 |
| Credit loss provision to net charge-offs | 339.0060% | 831 |
| Earnings coverage of net charge-offs (x) | 5.9488% | 2,664 |
| Efficiency ratio | 74.2905% | 3,125 |
| Assets per employee ($millions) | 6.4329% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,555 |
| Loan loss allowance to noncurrent loans | 100.4067% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 4,591 |
| Noncurrent loans to loans | 1.1730% | 4,583 |
| Net loans and leases to total assets | 68.7458% | 2,320 |
| Net loans and leases to deposits | 85.9180% | 1,697 |
| Net loans and leases to core deposits | 122.2640% | 333 |
| Total domestic deposits to total assets | 80.0133% | 5,729 |
| Equity capital to assets | 12.8519% | 1,684 |
| Core capital (leverage) ratio | 13.0911% | 1,191 |
| Tier 1 risk-based capital ratio | 15.3930% | 3,436 |
| Total risk-based capital ratio | 16.4089% | 3,541 |
| Memoranda: | ||
| Average total assets | $520,942,500 | 1,289 |
| Average earning assets | $497,491,000 | 1,222 |
| Average equity | $60,015,750 | 1,127 |
| Average total loans | $353,797,500 | 1,210 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 3,548 |
| Cost of funding earning assets | 1.0271% | 3,760 |
| Net interest margin | 3.8892% | 3,370 |
| Noninterest income to average assets | 0.1473% | 6,589 |
| Noninterest expense to average assets | 2.9606% | 3,789 |
| Loan and lease loss provision to assets | 0.5638% | 1,716 |
| Net operating income to assets | 0.2005% | 5,737 |
| Return on assets (ROA) | 0.3728% | 5,213 |
| Pretax return on assets | 0.6158% | 4,692 |
| Return on Equity (ROE) | 3.3841% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.3841% | 4,105 |
| Net charge-offs to loans | 0.1805% | 4,082 |
| Credit loss provision to net charge-offs | 464.0523% | 661 |
| Earnings coverage of net charge-offs (x) | 7.4935% | 2,215 |
| Efficiency ratio | 76.4821% | 2,940 |
| Assets per employee ($millions) | 6.5420% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 5,769 |
| Loan loss allowance to noncurrent loans | 76.0960% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.0840% | 4,716 |
| Noncurrent loans to loans | 1.5082% | 4,157 |
| Net loans and leases to total assets | 66.9108% | 2,837 |
| Net loans and leases to deposits | 86.9993% | 1,646 |
| Net loans and leases to core deposits | 129.8883% | 276 |
| Total domestic deposits to total assets | 76.9096% | 6,466 |
| Equity capital to assets | 13.3663% | 1,353 |
| Core capital (leverage) ratio | 13.8301% | 915 |
| Tier 1 risk-based capital ratio | 16.4339% | 2,776 |
| Total risk-based capital ratio | 17.4193% | 2,867 |
| Memoranda: | ||
| Average total assets | $503,746,330 | 1,340 |
| Average earning assets | $482,316,000 | 1,272 |
| Average equity | $55,494,000 | 1,209 |
| Average total loans | $338,969,330 | 1,275 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 3,434 |
| Cost of funding earning assets | 1.0547% | 3,822 |
| Net interest margin | 3.8728% | 3,285 |
| Noninterest income to average assets | 0.1388% | 6,719 |
| Noninterest expense to average assets | 2.9984% | 3,649 |
| Loan and lease loss provision to assets | 0.5932% | 1,452 |
| Net operating income to assets | 0.1511% | 5,943 |
| Return on assets (ROA) | 0.3462% | 5,274 |
| Pretax return on assets | 0.5718% | 4,793 |
| Return on Equity (ROE) | 3.5696% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.5696% | 4,045 |
| Net charge-offs to loans | 0.2624% | 3,020 |
| Credit loss provision to net charge-offs | 337.0892% | 963 |
| Earnings coverage of net charge-offs (x) | 4.8873% | 2,380 |
| Efficiency ratio | 77.7088% | 2,891 |
| Assets per employee ($millions) | 6.5841% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 6,213 |
| Loan loss allowance to noncurrent loans | 72.1800% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0678% | 4,788 |
| Noncurrent loans to loans | 1.4602% | 4,274 |
| Net loans and leases to total assets | 67.7099% | 2,613 |
| Net loans and leases to deposits | 84.2575% | 1,992 |
| Net loans and leases to core deposits | 127.9540% | 291 |
| Total domestic deposits to total assets | 80.3606% | 5,847 |
| Equity capital to assets | 9.4385% | 4,519 |
| Core capital (leverage) ratio | 9.7820% | 3,406 |
| Tier 1 risk-based capital ratio | 11.8116% | 5,848 |
| Total risk-based capital ratio | 12.7344% | 6,097 |
| Memoranda: | ||
| Average total assets | $484,126,000 | 1,394 |
| Average earning assets | $464,982,000 | 1,331 |
| Average equity | $46,952,500 | 1,428 |
| Average total loans | $324,686,500 | 1,341 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 4,609 |
| Cost of funding earning assets | 1.2288% | 4,362 |
| Net interest margin | 3.7617% | 4,099 |
| Noninterest income to average assets | 0.1775% | 6,474 |
| Noninterest expense to average assets | 2.8037% | 4,599 |
| Loan and lease loss provision to assets | 0.3244% | 4,219 |
| Net operating income to assets | 0.4950% | 4,120 |
| Return on assets (ROA) | 0.5364% | 4,091 |
| Pretax return on assets | 0.6727% | 4,081 |
| Return on Equity (ROE) | 5.0324% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.0324% | 2,391 |
| Net charge-offs to loans | 0.4339% | 3,886 |
| Credit loss provision to net charge-offs | 117.7109% | 3,624 |
| Earnings coverage of net charge-offs (x) | 3.4302% | 3,362 |
| Efficiency ratio | 74.7866% | 3,238 |
| Assets per employee ($millions) | 6.4981% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 6,330 |
| Loan loss allowance to noncurrent loans | 189.0378% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 6,215 |
| Noncurrent loans to loans | 0.5349% | 5,979 |
| Net loans and leases to total assets | 64.9437% | 3,677 |
| Net loans and leases to deposits | 82.2580% | 2,755 |
| Net loans and leases to core deposits | 136.8346% | 254 |
| Total domestic deposits to total assets | 78.9511% | 6,092 |
| Equity capital to assets | 9.9764% | 3,774 |
| Core capital (leverage) ratio | 9.9814% | 3,116 |
| Tier 1 risk-based capital ratio | 12.8554% | 4,723 |
| Total risk-based capital ratio | 13.7287% | 5,026 |
| Memoranda: | ||
| Average total assets | $434,385,000 | 1,539 |
| Average earning assets | $412,422,600 | 1,476 |
| Average equity | $46,300,200 | 1,449 |
| Average total loans | $275,857,600 | 1,618 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 4,815 |
| Cost of funding earning assets | 1.2527% | 4,557 |
| Net interest margin | 3.7468% | 4,199 |
| Noninterest income to average assets | 0.1787% | 6,602 |
| Noninterest expense to average assets | 2.7954% | 4,508 |
| Loan and lease loss provision to assets | 0.3659% | 3,706 |
| Net operating income to assets | 0.4842% | 4,386 |
| Return on assets (ROA) | 0.5461% | 4,275 |
| Pretax return on assets | 0.6225% | 4,522 |
| Return on Equity (ROE) | 5.0353% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.0353% | 2,965 |
| Net charge-offs to loans | 0.1129% | 5,409 |
| Credit loss provision to net charge-offs | 514.9780% | 569 |
| Earnings coverage of net charge-offs (x) | 12.9207% | 1,638 |
| Efficiency ratio | 75.2802% | 3,083 |
| Assets per employee ($millions) | 6.7014% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,898 |
| Loan loss allowance to noncurrent loans | 142.8465% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 5,814 |
| Noncurrent loans to loans | 0.9180% | 5,409 |
| Net loans and leases to total assets | 62.3990% | 4,447 |
| Net loans and leases to deposits | 79.6759% | 3,504 |
| Net loans and leases to core deposits | 118.7825% | 658 |
| Total domestic deposits to total assets | 78.3160% | 6,198 |
| Equity capital to assets | 10.2687% | 3,805 |
| Core capital (leverage) ratio | 10.4081% | 2,793 |
| Tier 1 risk-based capital ratio | 13.3381% | 4,324 |
| Total risk-based capital ratio | 14.4677% | 4,383 |
| Memoranda: | ||
| Average total assets | $426,015,250 | 1,588 |
| Average earning assets | $401,900,250 | 1,533 |
| Average equity | $46,206,250 | 1,462 |
| Average total loans | $268,084,000 | 1,676 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 4,932 |
| Cost of funding earning assets | 1.2681% | 4,725 |
| Net interest margin | 3.7337% | 4,217 |
| Noninterest income to average assets | 0.1778% | 6,635 |
| Noninterest expense to average assets | 2.8447% | 4,291 |
| Loan and lease loss provision to assets | 0.2779% | 4,176 |
| Net operating income to assets | 0.5610% | 4,031 |
| Return on assets (ROA) | 0.6697% | 3,677 |
| Pretax return on assets | 0.6697% | 4,340 |
| Return on Equity (ROE) | 6.0549% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.0549% | 2,305 |
| Net charge-offs to loans | 0.1831% | 4,513 |
| Credit loss provision to net charge-offs | 241.5966% | 1,590 |
| Earnings coverage of net charge-offs (x) | 7.2941% | 2,323 |
| Efficiency ratio | 77.2268% | 2,856 |
| Assets per employee ($millions) | 7.0863% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,769 |
| Loan loss allowance to noncurrent loans | 109.3094% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 5,620 |
| Noncurrent loans to loans | 1.0383% | 5,233 |
| Net loans and leases to total assets | 63.0042% | 4,465 |
| Net loans and leases to deposits | 80.8900% | 3,451 |
| Net loans and leases to core deposits | 117.4010% | 787 |
| Total domestic deposits to total assets | 77.8887% | 6,293 |
| Equity capital to assets | 10.4962% | 3,415 |
| Core capital (leverage) ratio | 11.1137% | 2,158 |
| Tier 1 risk-based capital ratio | 13.8323% | 3,847 |
| Total risk-based capital ratio | 14.8300% | 3,982 |
| Memoranda: | ||
| Average total assets | $413,888,000 | 1,643 |
| Average earning assets | $388,625,670 | 1,590 |
| Average equity | $45,781,000 | 1,469 |
| Average total loans | $259,990,330 | 1,754 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 5,163 |
| Cost of funding earning assets | 1.2907% | 4,870 |
| Net interest margin | 3.6771% | 4,363 |
| Noninterest income to average assets | 0.1821% | 6,653 |
| Noninterest expense to average assets | 2.9959% | 3,693 |
| Loan and lease loss provision to assets | 0.1509% | 5,035 |
| Net operating income to assets | 0.4889% | 4,449 |
| Return on assets (ROA) | 0.5996% | 4,043 |
| Pretax return on assets | 0.5996% | 4,606 |
| Return on Equity (ROE) | 5.2694% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.2694% | 3,003 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4018% | 2,222 |
| Assets per employee ($millions) | 6.6113% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,485 |
| Loan loss allowance to noncurrent loans | 88.8694% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9361% | 5,274 |
| Noncurrent loans to loans | 1.3534% | 4,714 |
| Net loans and leases to total assets | 60.9607% | 4,948 |
| Net loans and leases to deposits | 78.9250% | 3,856 |
| Net loans and leases to core deposits | 120.1007% | 782 |
| Total domestic deposits to total assets | 77.2388% | 6,508 |
| Equity capital to assets | 11.0898% | 2,682 |
| Core capital (leverage) ratio | 11.4978% | 1,912 |
| Tier 1 risk-based capital ratio | 14.8120% | 3,203 |
| Total risk-based capital ratio | 15.8397% | 3,288 |
| Memoranda: | ||
| Average total assets | $397,613,500 | 1,737 |
| Average earning assets | $373,449,000 | 1,692 |
| Average equity | $45,242,000 | 1,488 |
| Average total loans | $247,734,000 | 1,881 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 5,766 |
| Cost of funding earning assets | 1.5554% | 5,257 |
| Net interest margin | 3.6192% | 4,478 |
| Noninterest income to average assets | 0.2109% | 6,600 |
| Noninterest expense to average assets | 3.2014% | 3,375 |
| Loan and lease loss provision to assets | 0.4629% | 4,055 |
| Net operating income to assets | -0.0348% | 5,558 |
| Return on assets (ROA) | 0.2027% | 4,956 |
| Pretax return on assets | 0.2044% | 4,996 |
| Return on Equity (ROE) | 1.8848% | 4,949 |
| Retained earnings to average equity (ytd only) | 1.8848% | 3,773 |
| Net charge-offs to loans | 0.2943% | 4,791 |
| Credit loss provision to net charge-offs | 251.4548% | 1,406 |
| Earnings coverage of net charge-offs (x) | 2.3216% | 3,986 |
| Efficiency ratio | 88.2234% | 1,862 |
| Assets per employee ($millions) | 6.5310% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,414 |
| Loan loss allowance to noncurrent loans | 83.0796% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0749% | 4,943 |
| Noncurrent loans to loans | 1.4352% | 4,519 |
| Net loans and leases to total assets | 62.1955% | 4,947 |
| Net loans and leases to deposits | 80.4169% | 3,908 |
| Net loans and leases to core deposits | 126.1673% | 1,501 |
| Total domestic deposits to total assets | 77.3413% | 6,380 |
| Equity capital to assets | 11.6854% | 2,199 |
| Core capital (leverage) ratio | 11.4954% | 1,917 |
| Tier 1 risk-based capital ratio | 15.3631% | 2,778 |
| Total risk-based capital ratio | 16.3937% | 2,829 |
| Memoranda: | ||
| Average total assets | $354,750,800 | 1,916 |
| Average earning assets | $335,019,400 | 1,855 |
| Average equity | $38,146,400 | 1,754 |
| Average total loans | $221,865,400 | 2,086 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 5,909 |
| Cost of funding earning assets | 1.5910% | 5,449 |
| Net interest margin | 3.6011% | 4,479 |
| Noninterest income to average assets | 0.2151% | 6,696 |
| Noninterest expense to average assets | 3.1751% | 3,381 |
| Loan and lease loss provision to assets | 0.5789% | 3,073 |
| Net operating income to assets | -0.1320% | 5,948 |
| Return on assets (ROA) | 0.1525% | 5,371 |
| Pretax return on assets | 0.1548% | 5,399 |
| Return on Equity (ROE) | 1.4531% | 5,349 |
| Retained earnings to average equity (ytd only) | 1.4531% | 4,503 |
| Net charge-offs to loans | 0.4018% | 3,651 |
| Credit loss provision to net charge-offs | 230.7810% | 1,892 |
| Earnings coverage of net charge-offs (x) | 1.7795% | 4,462 |
| Efficiency ratio | 87.6750% | 1,902 |
| Assets per employee ($millions) | 6.6847% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,333 |
| Loan loss allowance to noncurrent loans | 102.6424% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 5,231 |
| Noncurrent loans to loans | 1.1335% | 5,054 |
| Net loans and leases to total assets | 60.4294% | 5,517 |
| Net loans and leases to deposits | 80.0641% | 4,376 |
| Net loans and leases to core deposits | 122.3084% | 2,043 |
| Total domestic deposits to total assets | 75.4763% | 6,680 |
| Equity capital to assets | 11.5714% | 2,531 |
| Core capital (leverage) ratio | 12.4124% | 1,614 |
| Tier 1 risk-based capital ratio | 15.4417% | 2,854 |
| Total risk-based capital ratio | 16.4322% | 2,901 |
| Memoranda: | ||
| Average total assets | $347,106,750 | 1,975 |
| Average earning assets | $328,340,000 | 1,905 |
| Average equity | $36,426,250 | 1,867 |
| Average total loans | $216,694,750 | 2,158 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 5,709 |
| Cost of funding earning assets | 1.6673% | 5,438 |
| Net interest margin | 3.6197% | 4,283 |
| Noninterest income to average assets | 0.2158% | 6,757 |
| Noninterest expense to average assets | 3.3174% | 2,886 |
| Loan and lease loss provision to assets | 0.6901% | 2,358 |
| Net operating income to assets | -0.3765% | 6,419 |
| Return on assets (ROA) | -0.0504% | 5,991 |
| Pretax return on assets | -0.0474% | 5,932 |
| Return on Equity (ROE) | -0.4998% | 5,999 |
| Retained earnings to average equity (ytd only) | -0.4998% | 5,348 |
| Net charge-offs to loans | 0.6136% | 2,507 |
| Credit loss provision to net charge-offs | 178.7267% | 2,561 |
| Earnings coverage of net charge-offs (x) | 0.8199% | 4,921 |
| Efficiency ratio | 91.2886% | 1,699 |
| Assets per employee ($millions) | 6.1730% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,698 |
| Loan loss allowance to noncurrent loans | 91.7746% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 5,010 |
| Noncurrent loans to loans | 1.1819% | 4,857 |
| Net loans and leases to total assets | 61.3824% | 5,461 |
| Net loans and leases to deposits | 83.0446% | 4,036 |
| Net loans and leases to core deposits | 130.0930% | 1,549 |
| Total domestic deposits to total assets | 73.9150% | 6,960 |
| Equity capital to assets | 12.1248% | 2,136 |
| Core capital (leverage) ratio | 12.6827% | 1,545 |
| Tier 1 risk-based capital ratio | 16.1946% | 2,549 |
| Total risk-based capital ratio | 17.1136% | 2,614 |
| Memoranda: | ||
| Average total assets | $333,570,670 | 2,085 |
| Average earning assets | $314,997,000 | 2,023 |
| Average equity | $33,613,670 | 2,023 |
| Average total loans | $209,909,000 | 2,244 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 5,780 |
| Cost of funding earning assets | 1.7546% | 5,337 |
| Net interest margin | 3.5710% | 4,449 |
| Noninterest income to average assets | 0.2066% | 6,815 |
| Noninterest expense to average assets | 3.1991% | 2,990 |
| Loan and lease loss provision to assets | 0.5041% | 2,455 |
| Net operating income to assets | -0.1195% | 6,442 |
| Return on assets (ROA) | -0.1195% | 6,550 |
| Pretax return on assets | -0.1195% | 6,493 |
| Return on Equity (ROE) | -1.3373% | 6,591 |
| Retained earnings to average equity (ytd only) | -1.3373% | 5,970 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2671% | 1,780 |
| Assets per employee ($millions) | 6.0777% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,538 |
| Loan loss allowance to noncurrent loans | 88.8376% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.0471% | 4,597 |
| Noncurrent loans to loans | 1.2276% | 4,516 |
| Net loans and leases to total assets | 59.3828% | 5,759 |
| Net loans and leases to deposits | 78.6948% | 4,815 |
| Net loans and leases to core deposits | 117.1642% | 2,669 |
| Total domestic deposits to total assets | 75.4596% | 6,609 |
| Equity capital to assets | 8.1232% | 6,645 |
| Core capital (leverage) ratio | 8.7929% | 5,002 |
| Tier 1 risk-based capital ratio | 11.0997% | 5,810 |
| Total risk-based capital ratio | 12.0250% | 6,021 |
| Memoranda: | ||
| Average total assets | $321,339,000 | 2,158 |
| Average earning assets | $303,892,500 | 2,102 |
| Average equity | $28,715,000 | 2,369 |
| Average total loans | $203,773,500 | 2,327 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6878% | 6,817 |
| Cost of funding earning assets | 1.9599% | 6,535 |
| Net interest margin | 3.7279% | 4,339 |
| Noninterest income to average assets | 0.1861% | 7,115 |
| Noninterest expense to average assets | 3.2302% | 3,224 |
| Loan and lease loss provision to assets | 0.3830% | 3,400 |
| Net operating income to assets | 0.1013% | 6,110 |
| Return on assets (ROA) | 0.1584% | 5,791 |
| Pretax return on assets | 0.1584% | 5,821 |
| Return on Equity (ROE) | 1.3632% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.3632% | 4,402 |
| Net charge-offs to loans | 0.4085% | 2,778 |
| Credit loss provision to net charge-offs | 147.9233% | 3,570 |
| Earnings coverage of net charge-offs (x) | 1.8706% | 5,134 |
| Efficiency ratio | 86.9614% | 1,768 |
| Assets per employee ($millions) | 5.1816% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,261 |
| Loan loss allowance to noncurrent loans | 329.2388% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 5,958 |
| Noncurrent loans to loans | 0.2950% | 6,493 |
| Net loans and leases to total assets | 66.8598% | 4,671 |
| Net loans and leases to deposits | 90.3442% | 3,396 |
| Net loans and leases to core deposits | 139.8047% | 1,280 |
| Total domestic deposits to total assets | 74.0056% | 6,655 |
| Equity capital to assets | 9.9235% | 4,128 |
| Core capital (leverage) ratio | 10.0122% | 3,432 |
| Tier 1 risk-based capital ratio | 12.2759% | 4,605 |
| Total risk-based capital ratio | 13.1192% | 4,823 |
| Memoranda: | ||
| Average total assets | $241,779,600 | 2,641 |
| Average earning assets | $228,839,200 | 2,564 |
| Average equity | $28,096,200 | 2,403 |
| Average total loans | $153,235,600 | 2,867 |