Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 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 | 3.7727% | 4,166 |
| Cost of funding earning assets | 0.1906% | 5,525 |
| Net interest margin | 3.5820% | 3,158 |
| Noninterest income to average assets | 0.5152% | 3,266 |
| Noninterest expense to average assets | 3.1783% | 2,037 |
| Loan and lease loss provision to assets | 0.0022% | 4,038 |
| Net operating income to assets | 0.3591% | 5,261 |
| Return on assets (ROA) | 0.3591% | 5,379 |
| Pretax return on assets | 0.5409% | 5,116 |
| Return on Equity (ROE) | 2.8942% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.8942% | 4,200 |
| Net charge-offs to loans | 0.0370% | 2,941 |
| Credit loss provision to net charge-offs | 10.0000% | 3,097 |
| Earnings coverage of net charge-offs (x) | 24.3500% | 1,565 |
| Efficiency ratio | 85.4061% | 1,109 |
| Assets per employee ($millions) | 4.1623% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8920% | 302 |
| Loan loss allowance to noncurrent loans | 75.3957% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.9877% | 564 |
| Noncurrent loans to loans | 3.8358% | 419 |
| Net loans and leases to total assets | 60.3892% | 3,772 |
| Net loans and leases to deposits | 72.5328% | 3,674 |
| Net loans and leases to core deposits | 76.8771% | 3,677 |
| Total domestic deposits to total assets | 83.2578% | 3,850 |
| Equity capital to assets | 12.7872% | 1,502 |
| Core capital (leverage) ratio | 10.7086% | 2,723 |
| Tier 1 risk-based capital ratio | 16.3255% | 2,700 |
| Total risk-based capital ratio | 17.5944% | 2,649 |
| Memoranda: | ||
| Average total assets | $179,339,330 | 3,221 |
| Average earning assets | $160,523,330 | 3,299 |
| Average equity | $22,251,330 | 2,977 |
| Average total loans | $108,192,000 | 3,284 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 4,451 |
| Cost of funding earning assets | 0.1915% | 5,585 |
| Net interest margin | 3.4836% | 3,501 |
| Noninterest income to average assets | 0.4890% | 3,355 |
| Noninterest expense to average assets | 3.0352% | 2,467 |
| Loan and lease loss provision to assets | 0.0044% | 3,653 |
| Net operating income to assets | 0.3789% | 5,148 |
| Return on assets (ROA) | 0.3789% | 5,269 |
| Pretax return on assets | 0.5749% | 4,983 |
| Return on Equity (ROE) | 3.0991% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.0991% | 4,125 |
| Net charge-offs to loans | -0.0296% | 5,242 |
| Credit loss provision to net charge-offs | -25.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9732% | 1,385 |
| Assets per employee ($millions) | 4.0564% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9296% | 321 |
| Loan loss allowance to noncurrent loans | 72.6856% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 3.1051% | 590 |
| Noncurrent loans to loans | 4.0305% | 434 |
| Net loans and leases to total assets | 57.5790% | 4,011 |
| Net loans and leases to deposits | 67.3845% | 4,012 |
| Net loans and leases to core deposits | 71.1338% | 4,047 |
| Total domestic deposits to total assets | 85.4484% | 3,201 |
| Equity capital to assets | 12.2441% | 1,859 |
| Core capital (leverage) ratio | 10.4955% | 2,971 |
| Tier 1 risk-based capital ratio | 15.4959% | 3,147 |
| Total risk-based capital ratio | 16.7600% | 3,081 |
| Memoranda: | ||
| Average total assets | $181,601,000 | 3,217 |
| Average earning assets | $162,933,500 | 3,280 |
| Average equity | $22,200,000 | 3,000 |
| Average total loans | $107,931,000 | 3,304 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,585 |
| Cost of funding earning assets | 0.2328% | 5,498 |
| Net interest margin | 3.8001% | 2,622 |
| Noninterest income to average assets | 0.5369% | 3,259 |
| Noninterest expense to average assets | 3.3064% | 1,912 |
| Loan and lease loss provision to assets | 0.0023% | 4,559 |
| Net operating income to assets | 0.4050% | 5,204 |
| Return on assets (ROA) | 0.4178% | 5,232 |
| Pretax return on assets | 0.6302% | 4,842 |
| Return on Equity (ROE) | 3.2650% | 5,393 |
| Retained earnings to average equity (ytd only) | -1.8561% | 5,996 |
| Net charge-offs to loans | 0.0137% | 4,610 |
| Credit loss provision to net charge-offs | 26.6667% | 3,889 |
| Earnings coverage of net charge-offs (x) | 71.4000% | 696 |
| Efficiency ratio | 84.3604% | 1,364 |
| Assets per employee ($millions) | 4.0148% | 3,926 |
| Cash dividends to net income (ytd only)* | 156.8493% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9390% | 316 |
| Loan loss allowance to noncurrent loans | 72.3073% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 3.2259% | 598 |
| Noncurrent loans to loans | 4.0646% | 442 |
| Net loans and leases to total assets | 57.8003% | 4,073 |
| Net loans and leases to deposits | 67.6437% | 4,161 |
| Net loans and leases to core deposits | 70.3611% | 4,293 |
| Total domestic deposits to total assets | 85.4482% | 3,103 |
| Equity capital to assets | 12.1717% | 1,889 |
| Core capital (leverage) ratio | 10.4998% | 2,945 |
| Tier 1 risk-based capital ratio | 16.5054% | 2,709 |
| Total risk-based capital ratio | 17.7755% | 2,651 |
| Memoranda: | ||
| Average total assets | $174,720,000 | 3,273 |
| Average earning assets | $155,522,600 | 3,352 |
| Average equity | $22,358,600 | 2,911 |
| Average total loans | $109,385,600 | 3,235 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 3,359 |
| Cost of funding earning assets | 0.2417% | 5,490 |
| Net interest margin | 3.8611% | 2,385 |
| Noninterest income to average assets | 0.5380% | 3,271 |
| Noninterest expense to average assets | 3.3280% | 1,846 |
| Loan and lease loss provision to assets | 0.0046% | 4,321 |
| Net operating income to assets | 0.4214% | 5,170 |
| Return on assets (ROA) | 0.4341% | 5,207 |
| Pretax return on assets | 0.6550% | 4,859 |
| Return on Equity (ROE) | 3.3495% | 5,404 |
| Retained earnings to average equity (ytd only) | 1.4787% | 5,303 |
| Net charge-offs to loans | -0.0194% | 5,602 |
| Credit loss provision to net charge-offs | -37.5000% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8635% | 1,402 |
| Assets per employee ($millions) | 4.2294% | 3,422 |
| Cash dividends to net income (ytd only)* | 55.8512% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9258% | 387 |
| Loan loss allowance to noncurrent loans | 70.4365% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 3.2325% | 696 |
| Noncurrent loans to loans | 4.1538% | 494 |
| Net loans and leases to total assets | 59.6757% | 3,849 |
| Net loans and leases to deposits | 70.0299% | 3,912 |
| Net loans and leases to core deposits | 72.6340% | 4,090 |
| Total domestic deposits to total assets | 85.2146% | 3,253 |
| Equity capital to assets | 12.7171% | 1,574 |
| Core capital (leverage) ratio | 10.8668% | 2,613 |
| Tier 1 risk-based capital ratio | 17.0327% | 2,608 |
| Total risk-based capital ratio | 18.3034% | 2,544 |
| Memoranda: | ||
| Average total assets | $173,233,750 | 3,323 |
| Average earning assets | $153,905,500 | 3,407 |
| Average equity | $22,450,750 | 2,911 |
| Average total loans | $109,835,250 | 3,241 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 3,202 |
| Cost of funding earning assets | 0.2558% | 5,424 |
| Net interest margin | 3.8804% | 2,250 |
| Noninterest income to average assets | 0.5589% | 3,053 |
| Noninterest expense to average assets | 3.3825% | 1,720 |
| Loan and lease loss provision to assets | 0.0023% | 4,170 |
| Net operating income to assets | 0.4093% | 5,181 |
| Return on assets (ROA) | 0.4285% | 5,190 |
| Pretax return on assets | 0.6474% | 4,796 |
| Return on Equity (ROE) | 3.2851% | 5,435 |
| Retained earnings to average equity (ytd only) | 1.5890% | 5,108 |
| Net charge-offs to loans | -0.0164% | 5,474 |
| Credit loss provision to net charge-offs | -22.2222% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4968% | 1,443 |
| Assets per employee ($millions) | 4.0312% | 3,772 |
| Cash dividends to net income (ytd only)* | 51.6304% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9626% | 397 |
| Loan loss allowance to noncurrent loans | 95.1300% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 2.6335% | 1,024 |
| Noncurrent loans to loans | 3.1142% | 914 |
| Net loans and leases to total assets | 60.1640% | 3,685 |
| Net loans and leases to deposits | 70.8771% | 3,714 |
| Net loans and leases to core deposits | 73.6106% | 3,879 |
| Total domestic deposits to total assets | 84.8849% | 3,571 |
| Equity capital to assets | 13.0199% | 1,362 |
| Core capital (leverage) ratio | 11.1868% | 2,256 |
| Tier 1 risk-based capital ratio | 17.2258% | 2,524 |
| Total risk-based capital ratio | 18.4963% | 2,480 |
| Memoranda: | ||
| Average total assets | $171,766,670 | 3,359 |
| Average earning assets | $152,457,000 | 3,435 |
| Average equity | $22,404,330 | 2,904 |
| Average total loans | $110,047,000 | 3,240 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,842 |
| Cost of funding earning assets | 0.2749% | 5,337 |
| Net interest margin | 3.9335% | 1,971 |
| Noninterest income to average assets | 0.5311% | 3,184 |
| Noninterest expense to average assets | 3.4320% | 1,625 |
| Loan and lease loss provision to assets | 0.0047% | 3,758 |
| Net operating income to assets | 0.3837% | 5,171 |
| Return on assets (ROA) | 0.3837% | 5,244 |
| Pretax return on assets | 0.5755% | 4,916 |
| Return on Equity (ROE) | 2.9388% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.9388% | 4,338 |
| Net charge-offs to loans | -0.0072% | 4,925 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5394% | 1,496 |
| Assets per employee ($millions) | 3.8827% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8991% | 484 |
| Loan loss allowance to noncurrent loans | 97.3047% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 2.9301% | 989 |
| Noncurrent loans to loans | 2.9794% | 1,064 |
| Net loans and leases to total assets | 63.7349% | 2,948 |
| Net loans and leases to deposits | 75.4822% | 2,873 |
| Net loans and leases to core deposits | 79.0039% | 3,089 |
| Total domestic deposits to total assets | 84.4370% | 4,108 |
| Equity capital to assets | 13.4498% | 1,116 |
| Core capital (leverage) ratio | 11.2438% | 2,181 |
| Tier 1 risk-based capital ratio | 16.6984% | 2,815 |
| Total risk-based capital ratio | 17.9676% | 2,768 |
| Memoranda: | ||
| Average total assets | $170,978,500 | 3,391 |
| Average earning assets | $151,314,000 | 3,482 |
| Average equity | $22,322,000 | 2,913 |
| Average total loans | $111,333,500 | 3,234 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 3,032 |
| Cost of funding earning assets | 0.3239% | 5,387 |
| Net interest margin | 3.9574% | 2,079 |
| Noninterest income to average assets | 0.5068% | 3,711 |
| Noninterest expense to average assets | 3.5010% | 1,644 |
| Loan and lease loss provision to assets | 0.0566% | 4,015 |
| Net operating income to assets | 0.4027% | 5,136 |
| Return on assets (ROA) | 0.4027% | 5,250 |
| Pretax return on assets | 0.4715% | 5,293 |
| Return on Equity (ROE) | 3.1197% | 5,461 |
| Retained earnings to average equity (ytd only) | -0.0582% | 5,876 |
| Net charge-offs to loans | 0.0809% | 4,084 |
| Credit loss provision to net charge-offs | 106.5217% | 2,263 |
| Earnings coverage of net charge-offs (x) | 9.9348% | 2,447 |
| Efficiency ratio | 86.8923% | 1,324 |
| Assets per employee ($millions) | 3.9773% | 3,907 |
| Cash dividends to net income (ytd only)* | 101.8651% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8059% | 594 |
| Loan loss allowance to noncurrent loans | 90.5020% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 3.0554% | 1,024 |
| Noncurrent loans to loans | 3.1004% | 1,109 |
| Net loans and leases to total assets | 62.8041% | 3,236 |
| Net loans and leases to deposits | 74.5818% | 3,179 |
| Net loans and leases to core deposits | 77.3256% | 3,448 |
| Total domestic deposits to total assets | 84.2083% | 4,092 |
| Equity capital to assets | 12.6792% | 1,431 |
| Core capital (leverage) ratio | 10.7034% | 2,676 |
| Tier 1 risk-based capital ratio | 16.1701% | 3,017 |
| Total risk-based capital ratio | 17.4389% | 2,964 |
| Memoranda: | ||
| Average total assets | $173,063,600 | 3,367 |
| Average earning assets | $154,042,200 | 3,434 |
| Average equity | $22,341,800 | 2,887 |
| Average total loans | $113,676,400 | 3,174 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 3,018 |
| Cost of funding earning assets | 0.3315% | 5,456 |
| Net interest margin | 3.9630% | 2,063 |
| Noninterest income to average assets | 0.4218% | 4,355 |
| Noninterest expense to average assets | 3.4920% | 1,625 |
| Loan and lease loss provision to assets | 0.0773% | 3,514 |
| Net operating income to assets | 0.3809% | 5,328 |
| Return on assets (ROA) | 0.3809% | 5,466 |
| Pretax return on assets | 0.3809% | 5,681 |
| Return on Equity (ROE) | 2.9371% | 5,625 |
| Retained earnings to average equity (ytd only) | 0.8519% | 5,640 |
| Net charge-offs to loans | 0.1125% | 3,419 |
| Credit loss provision to net charge-offs | 104.1667% | 2,248 |
| Earnings coverage of net charge-offs (x) | 6.1770% | 3,025 |
| Efficiency ratio | 88.4021% | 1,126 |
| Assets per employee ($millions) | 3.7937% | 4,259 |
| Cash dividends to net income (ytd only)* | 70.9943% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7512% | 704 |
| Loan loss allowance to noncurrent loans | 91.3043% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 3.0611% | 1,206 |
| Noncurrent loans to loans | 3.0132% | 1,334 |
| Net loans and leases to total assets | 62.8638% | 3,191 |
| Net loans and leases to deposits | 74.2890% | 3,197 |
| Net loans and leases to core deposits | 77.4420% | 3,434 |
| Total domestic deposits to total assets | 84.6206% | 3,920 |
| Equity capital to assets | 12.5657% | 1,547 |
| Core capital (leverage) ratio | 10.8452% | 2,623 |
| Tier 1 risk-based capital ratio | 15.9763% | 3,207 |
| Total risk-based capital ratio | 17.2444% | 3,152 |
| Memoranda: | ||
| Average total assets | $172,578,750 | 3,398 |
| Average earning assets | $153,650,000 | 3,473 |
| Average equity | $22,380,000 | 2,913 |
| Average total loans | $113,825,000 | 3,189 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 2,837 |
| Cost of funding earning assets | 0.3416% | 5,480 |
| Net interest margin | 3.9863% | 1,913 |
| Noninterest income to average assets | 0.4769% | 3,978 |
| Noninterest expense to average assets | 3.5284% | 1,539 |
| Loan and lease loss provision to assets | 0.0926% | 3,239 |
| Net operating income to assets | 0.4113% | 5,173 |
| Return on assets (ROA) | 0.4113% | 5,336 |
| Pretax return on assets | 0.4113% | 5,615 |
| Return on Equity (ROE) | 3.1379% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.1264% | 5,447 |
| Net charge-offs to loans | 0.1764% | 2,706 |
| Credit loss provision to net charge-offs | 79.0000% | 2,649 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 3,170 |
| Efficiency ratio | 87.5036% | 1,279 |
| Assets per employee ($millions) | 3.6001% | 4,625 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7631% | 740 |
| Loan loss allowance to noncurrent loans | 89.6041% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 3.4757% | 1,111 |
| Noncurrent loans to loans | 3.0837% | 1,436 |
| Net loans and leases to total assets | 65.4315% | 2,692 |
| Net loans and leases to deposits | 77.9755% | 2,575 |
| Net loans and leases to core deposits | 81.6225% | 2,838 |
| Total domestic deposits to total assets | 83.9128% | 4,359 |
| Equity capital to assets | 13.1457% | 1,286 |
| Core capital (leverage) ratio | 11.1845% | 2,184 |
| Tier 1 risk-based capital ratio | 15.9804% | 3,205 |
| Total risk-based capital ratio | 17.2482% | 3,135 |
| Memoranda: | ||
| Average total assets | $170,670,670 | 3,451 |
| Average earning assets | $152,223,000 | 3,510 |
| Average equity | $22,371,670 | 2,945 |
| Average total loans | $113,347,000 | 3,204 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,797 |
| Cost of funding earning assets | 0.3489% | 5,545 |
| Net interest margin | 3.9735% | 1,881 |
| Noninterest income to average assets | 0.4271% | 4,271 |
| Noninterest expense to average assets | 3.6732% | 1,288 |
| Loan and lease loss provision to assets | 0.1167% | 2,776 |
| Net operating income to assets | 0.1984% | 5,900 |
| Return on assets (ROA) | 0.1984% | 6,007 |
| Pretax return on assets | 0.1984% | 6,082 |
| Return on Equity (ROE) | 1.5154% | 6,081 |
| Retained earnings to average equity (ytd only) | -0.2674% | 5,829 |
| Net charge-offs to loans | 0.4280% | 1,386 |
| Credit loss provision to net charge-offs | 41.3223% | 2,729 |
| Earnings coverage of net charge-offs (x) | 1.1157% | 3,463 |
| Efficiency ratio | 92.1006% | 970 |
| Assets per employee ($millions) | 3.6689% | 4,630 |
| Cash dividends to net income (ytd only)* | 117.6471% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7691% | 849 |
| Loan loss allowance to noncurrent loans | 82.7807% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 3.6061% | 1,162 |
| Noncurrent loans to loans | 3.3450% | 1,448 |
| Net loans and leases to total assets | 64.4145% | 2,627 |
| Net loans and leases to deposits | 77.0170% | 2,487 |
| Net loans and leases to core deposits | 80.6599% | 2,726 |
| Total domestic deposits to total assets | 83.6367% | 4,616 |
| Equity capital to assets | 13.2964% | 1,297 |
| Core capital (leverage) ratio | 10.8428% | 2,413 |
| Tier 1 risk-based capital ratio | 16.2572% | 3,128 |
| Total risk-based capital ratio | 17.5259% | 3,071 |
| Memoranda: | ||
| Average total assets | $171,404,500 | 3,474 |
| Average earning assets | $153,619,500 | 3,533 |
| Average equity | $22,436,000 | 2,987 |
| Average total loans | $113,091,500 | 3,230 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 3,169 |
| Cost of funding earning assets | 0.4463% | 5,609 |
| Net interest margin | 4.1130% | 1,949 |
| Noninterest income to average assets | 0.4412% | 4,311 |
| Noninterest expense to average assets | 3.5011% | 1,810 |
| Loan and lease loss provision to assets | 0.6820% | 774 |
| Net operating income to assets | -0.0186% | 6,196 |
| Return on assets (ROA) | 0.1305% | 6,091 |
| Pretax return on assets | 0.2116% | 5,973 |
| Return on Equity (ROE) | 1.0400% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.7052% | 5,518 |
| Net charge-offs to loans | 1.0816% | 981 |
| Credit loss provision to net charge-offs | 93.5484% | 3,329 |
| Earnings coverage of net charge-offs (x) | 0.9063% | 5,018 |
| Efficiency ratio | 84.1248% | 1,618 |
| Assets per employee ($millions) | 3.7835% | 4,404 |
| Cash dividends to net income (ytd only)* | 32.1888% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7689% | 852 |
| Loan loss allowance to noncurrent loans | 78.3717% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 3.5750% | 1,254 |
| Noncurrent loans to loans | 3.5331% | 1,407 |
| Net loans and leases to total assets | 63.8982% | 2,910 |
| Net loans and leases to deposits | 75.9588% | 2,814 |
| Net loans and leases to core deposits | 79.4231% | 3,087 |
| Total domestic deposits to total assets | 84.1221% | 4,261 |
| Equity capital to assets | 12.8889% | 1,497 |
| Core capital (leverage) ratio | 10.6860% | 2,559 |
| Tier 1 risk-based capital ratio | 15.6829% | 3,328 |
| Total risk-based capital ratio | 16.9512% | 3,275 |
| Memoranda: | ||
| Average total assets | $178,600,800 | 3,331 |
| Average earning assets | $161,560,800 | 3,360 |
| Average equity | $22,404,000 | 2,930 |
| Average total loans | $120,376,000 | 3,067 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 3,189 |
| Cost of funding earning assets | 0.4721% | 5,622 |
| Net interest margin | 4.1302% | 1,975 |
| Noninterest income to average assets | 0.4584% | 4,224 |
| Noninterest expense to average assets | 3.5198% | 1,711 |
| Loan and lease loss provision to assets | 0.8449% | 547 |
| Net operating income to assets | -0.1056% | 6,408 |
| Return on assets (ROA) | 0.0949% | 6,278 |
| Pretax return on assets | 0.1469% | 6,210 |
| Return on Equity (ROE) | 0.7620% | 6,291 |
| Retained earnings to average equity (ytd only) | 0.3155% | 5,990 |
| Net charge-offs to loans | 0.9266% | 1,168 |
| Credit loss provision to net charge-offs | 134.4746% | 2,142 |
| Earnings coverage of net charge-offs (x) | 1.0874% | 4,760 |
| Efficiency ratio | 83.7451% | 1,621 |
| Assets per employee ($millions) | 3.9109% | 4,054 |
| Cash dividends to net income (ytd only)* | 58.5960% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9372% | 771 |
| Loan loss allowance to noncurrent loans | 40.4037% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 5.5332% | 768 |
| Noncurrent loans to loans | 7.2697% | 490 |
| Net loans and leases to total assets | 66.5263% | 2,555 |
| Net loans and leases to deposits | 78.8297% | 2,553 |
| Net loans and leases to core deposits | 82.2475% | 2,934 |
| Total domestic deposits to total assets | 84.3925% | 4,040 |
| Equity capital to assets | 12.7097% | 1,761 |
| Core capital (leverage) ratio | 10.4560% | 2,971 |
| Tier 1 risk-based capital ratio | 15.1033% | 3,770 |
| Total risk-based capital ratio | 16.3742% | 3,713 |
| Memoranda: | ||
| Average total assets | $179,740,750 | 3,355 |
| Average earning assets | $162,956,250 | 3,367 |
| Average equity | $22,397,000 | 2,956 |
| Average total loans | $121,876,000 | 3,079 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 2,677 |
| Cost of funding earning assets | 0.4985% | 5,632 |
| Net interest margin | 4.2625% | 1,572 |
| Noninterest income to average assets | 0.4630% | 4,182 |
| Noninterest expense to average assets | 3.2267% | 2,503 |
| Loan and lease loss provision to assets | 0.6862% | 812 |
| Net operating income to assets | 0.2594% | 5,733 |
| Return on assets (ROA) | 0.5536% | 4,844 |
| Pretax return on assets | 0.8741% | 4,181 |
| Return on Equity (ROE) | 4.4719% | 5,049 |
| Retained earnings to average equity (ytd only) | 4.4719% | 3,625 |
| Net charge-offs to loans | 0.2012% | 3,374 |
| Credit loss provision to net charge-offs | 504.8780% | 594 |
| Earnings coverage of net charge-offs (x) | 8.0976% | 2,363 |
| Efficiency ratio | 74.5659% | 2,978 |
| Assets per employee ($millions) | 3.9150% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0975% | 716 |
| Loan loss allowance to noncurrent loans | 131.1756% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 2.4175% | 2,310 |
| Noncurrent loans to loans | 2.3613% | 2,544 |
| Net loans and leases to total assets | 66.5738% | 2,553 |
| Net loans and leases to deposits | 79.1578% | 2,500 |
| Net loans and leases to core deposits | 84.1869% | 2,663 |
| Total domestic deposits to total assets | 84.1026% | 4,275 |
| Equity capital to assets | 12.8692% | 1,583 |
| Core capital (leverage) ratio | 10.6360% | 2,679 |
| Tier 1 risk-based capital ratio | 15.5753% | 3,393 |
| Total risk-based capital ratio | 16.8486% | 3,347 |
| Memoranda: | ||
| Average total assets | $180,990,330 | 3,339 |
| Average earning assets | $164,084,000 | 3,363 |
| Average equity | $22,406,670 | 2,932 |
| Average total loans | $122,293,330 | 3,082 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 2,546 |
| Cost of funding earning assets | 0.5160% | 5,713 |
| Net interest margin | 4.3082% | 1,444 |
| Noninterest income to average assets | 0.4471% | 4,310 |
| Noninterest expense to average assets | 3.1145% | 2,872 |
| Loan and lease loss provision to assets | 0.5976% | 962 |
| Net operating income to assets | 0.4038% | 5,240 |
| Return on assets (ROA) | 0.9706% | 2,794 |
| Pretax return on assets | 1.5355% | 1,782 |
| Return on Equity (ROE) | 7.9914% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.9914% | 1,983 |
| Net charge-offs to loans | 0.2603% | 2,631 |
| Credit loss provision to net charge-offs | 342.5000% | 886 |
| Earnings coverage of net charge-offs (x) | 7.1500% | 2,105 |
| Efficiency ratio | 71.4000% | 3,556 |
| Assets per employee ($millions) | 4.0883% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8253% | 984 |
| Loan loss allowance to noncurrent loans | 109.0161% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 2.3726% | 2,503 |
| Noncurrent loans to loans | 2.5917% | 2,516 |
| Net loans and leases to total assets | 65.8877% | 2,490 |
| Net loans and leases to deposits | 77.5647% | 2,586 |
| Net loans and leases to core deposits | 83.5857% | 2,595 |
| Total domestic deposits to total assets | 84.9454% | 4,070 |
| Equity capital to assets | 12.3951% | 1,792 |
| Core capital (leverage) ratio | 10.3273% | 2,957 |
| Tier 1 risk-based capital ratio | 15.1308% | 3,669 |
| Total risk-based capital ratio | 16.4008% | 3,612 |
| Memoranda: | ||
| Average total assets | $183,399,000 | 3,328 |
| Average earning assets | $166,658,500 | 3,337 |
| Average equity | $22,274,000 | 2,946 |
| Average total loans | $122,923,000 | 3,085 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 3,306 |
| Cost of funding earning assets | 0.6970% | 5,560 |
| Net interest margin | 4.2133% | 2,015 |
| Noninterest income to average assets | 0.3541% | 4,969 |
| Noninterest expense to average assets | 3.0401% | 3,436 |
| Loan and lease loss provision to assets | 1.1885% | 743 |
| Net operating income to assets | -0.0265% | 6,078 |
| Return on assets (ROA) | -0.0064% | 6,168 |
| Pretax return on assets | -0.0415% | 6,168 |
| Return on Equity (ROE) | -0.0542% | 6,169 |
| Retained earnings to average equity (ytd only) | -1.7026% | 6,116 |
| Net charge-offs to loans | 1.3335% | 1,236 |
| Credit loss provision to net charge-offs | 132.3059% | 2,302 |
| Earnings coverage of net charge-offs (x) | 1.2418% | 4,847 |
| Efficiency ratio | 73.1548% | 3,366 |
| Assets per employee ($millions) | 3.9769% | 3,909 |
| Cash dividends to net income (ytd only)* | -3,041.6667% | 7,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6244% | 1,164 |
| Loan loss allowance to noncurrent loans | 79.9164% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.7783% | 2,184 |
| Noncurrent loans to loans | 3.2839% | 1,969 |
| Net loans and leases to total assets | 64.5364% | 3,073 |
| Net loans and leases to deposits | 75.4976% | 3,260 |
| Net loans and leases to core deposits | 82.5330% | 3,103 |
| Total domestic deposits to total assets | 85.4815% | 3,607 |
| Equity capital to assets | 11.9045% | 2,196 |
| Core capital (leverage) ratio | 9.8403% | 3,530 |
| Tier 1 risk-based capital ratio | 14.2005% | 4,177 |
| Total risk-based capital ratio | 15.4669% | 4,123 |
| Memoranda: | ||
| Average total assets | $187,792,600 | 3,217 |
| Average earning assets | $169,440,800 | 3,259 |
| Average equity | $22,142,000 | 2,878 |
| Average total loans | $126,506,600 | 3,051 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 3,363 |
| Cost of funding earning assets | 0.7379% | 5,540 |
| Net interest margin | 4.2063% | 2,073 |
| Noninterest income to average assets | 0.3269% | 5,247 |
| Noninterest expense to average assets | 3.0295% | 3,441 |
| Loan and lease loss provision to assets | 1.4417% | 491 |
| Net operating income to assets | -0.2246% | 6,409 |
| Return on assets (ROA) | -0.1979% | 6,467 |
| Pretax return on assets | -0.3149% | 6,502 |
| Return on Equity (ROE) | -1.6821% | 6,449 |
| Retained earnings to average equity (ytd only) | -3.8827% | 6,504 |
| Net charge-offs to loans | 1.7678% | 765 |
| Credit loss provision to net charge-offs | 120.5813% | 2,692 |
| Earnings coverage of net charge-offs (x) | 0.9075% | 4,944 |
| Efficiency ratio | 73.6298% | 3,252 |
| Assets per employee ($millions) | 3.9944% | 3,855 |
| Cash dividends to net income (ytd only)* | -130.8234% | 7,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4425% | 1,475 |
| Loan loss allowance to noncurrent loans | 71.7172% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 3.0643% | 2,089 |
| Noncurrent loans to loans | 3.4058% | 2,025 |
| Net loans and leases to total assets | 67.8404% | 2,511 |
| Net loans and leases to deposits | 80.5157% | 2,589 |
| Net loans and leases to core deposits | 88.2805% | 2,452 |
| Total domestic deposits to total assets | 84.2573% | 4,116 |
| Equity capital to assets | 12.2734% | 2,039 |
| Core capital (leverage) ratio | 9.9249% | 3,539 |
| Tier 1 risk-based capital ratio | 13.7501% | 4,537 |
| Total risk-based capital ratio | 15.0141% | 4,489 |
| Memoranda: | ||
| Average total assets | $188,012,500 | 3,231 |
| Average earning assets | $169,298,000 | 3,265 |
| Average equity | $22,114,750 | 2,875 |
| Average total loans | $127,163,750 | 3,061 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 3,798 |
| Cost of funding earning assets | 0.7931% | 5,424 |
| Net interest margin | 4.0691% | 2,538 |
| Noninterest income to average assets | 0.2464% | 5,884 |
| Noninterest expense to average assets | 2.9649% | 3,778 |
| Loan and lease loss provision to assets | 2.1293% | 277 |
| Net operating income to assets | -0.7294% | 6,832 |
| Return on assets (ROA) | -0.6898% | 6,816 |
| Pretax return on assets | -1.1176% | 6,934 |
| Return on Equity (ROE) | -5.9460% | 6,772 |
| Retained earnings to average equity (ytd only) | -8.2051% | 6,788 |
| Net charge-offs to loans | 1.6687% | 868 |
| Credit loss provision to net charge-offs | 190.3468% | 1,589 |
| Earnings coverage of net charge-offs (x) | 0.8491% | 4,665 |
| Efficiency ratio | 75.7365% | 3,060 |
| Assets per employee ($millions) | 3.9237% | 3,940 |
| Cash dividends to net income (ytd only)* | -37.9939% | 7,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8729% | 1,011 |
| Loan loss allowance to noncurrent loans | 100.2458% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 2.6516% | 2,517 |
| Noncurrent loans to loans | 2.8658% | 2,552 |
| Net loans and leases to total assets | 68.7432% | 2,469 |
| Net loans and leases to deposits | 82.7217% | 2,331 |
| Net loans and leases to core deposits | 90.9748% | 2,262 |
| Total domestic deposits to total assets | 83.1017% | 4,714 |
| Equity capital to assets | 11.9900% | 2,095 |
| Core capital (leverage) ratio | 9.4072% | 4,099 |
| Tier 1 risk-based capital ratio | 13.4643% | 4,560 |
| Total risk-based capital ratio | 14.7344% | 4,517 |
| Memoranda: | ||
| Average total assets | $190,767,670 | 3,215 |
| Average earning assets | $171,979,670 | 3,242 |
| Average equity | $22,132,670 | 2,861 |
| Average total loans | $127,887,000 | 3,074 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 4,689 |
| Cost of funding earning assets | 0.8287% | 5,403 |
| Net interest margin | 3.8335% | 3,454 |
| Noninterest income to average assets | 0.3083% | 5,458 |
| Noninterest expense to average assets | 2.9504% | 3,852 |
| Loan and lease loss provision to assets | 0.4676% | 1,881 |
| Net operating income to assets | 0.2144% | 5,737 |
| Return on assets (ROA) | 0.2144% | 5,800 |
| Pretax return on assets | 0.3471% | 5,518 |
| Return on Equity (ROE) | 1.8768% | 5,831 |
| Retained earnings to average equity (ytd only) | -0.5362% | 5,891 |
| Net charge-offs to loans | 0.6315% | 1,939 |
| Credit loss provision to net charge-offs | 113.3663% | 2,370 |
| Earnings coverage of net charge-offs (x) | 1.9752% | 3,321 |
| Efficiency ratio | 78.3623% | 2,791 |
| Assets per employee ($millions) | 4.3036% | 3,236 |
| Cash dividends to net income (ytd only)* | 128.5714% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1458% | 2,085 |
| Loan loss allowance to noncurrent loans | 50.1744% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 4.4893% | 1,447 |
| Noncurrent loans to loans | 4.2767% | 1,666 |
| Net loans and leases to total assets | 64.3549% | 3,377 |
| Net loans and leases to deposits | 77.3107% | 3,188 |
| Net loans and leases to core deposits | 86.4556% | 2,811 |
| Total domestic deposits to total assets | 83.2419% | 4,826 |
| Equity capital to assets | 11.5531% | 2,223 |
| Core capital (leverage) ratio | 9.4465% | 3,892 |
| Tier 1 risk-based capital ratio | 13.8621% | 4,167 |
| Total risk-based capital ratio | 15.1229% | 4,132 |
| Memoranda: | ||
| Average total assets | $195,905,500 | 3,168 |
| Average earning assets | $176,652,000 | 3,201 |
| Average equity | $22,378,500 | 2,820 |
| Average total loans | $127,957,500 | 3,108 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2149% | 3,535 |
| Cost of funding earning assets | 1.0198% | 5,592 |
| Net interest margin | 4.1951% | 2,206 |
| Noninterest income to average assets | 0.5388% | 3,893 |
| Noninterest expense to average assets | 3.0746% | 3,570 |
| Loan and lease loss provision to assets | 0.6492% | 2,541 |
| Net operating income to assets | 0.3898% | 4,588 |
| Return on assets (ROA) | 0.3898% | 4,734 |
| Pretax return on assets | 0.6203% | 4,259 |
| Return on Equity (ROE) | 3.4389% | 4,778 |
| Retained earnings to average equity (ytd only) | 1.1372% | 4,974 |
| Net charge-offs to loans | 0.7927% | 2,658 |
| Credit loss provision to net charge-offs | 116.5741% | 3,686 |
| Earnings coverage of net charge-offs (x) | 2.2796% | 4,012 |
| Efficiency ratio | 70.7774% | 4,023 |
| Assets per employee ($millions) | 4.1281% | 3,516 |
| Cash dividends to net income (ytd only)* | 66.9312% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 2,062 |
| Loan loss allowance to noncurrent loans | 47.7754% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 4.5274% | 1,475 |
| Noncurrent loans to loans | 4.4060% | 1,623 |
| Net loans and leases to total assets | 63.5103% | 3,968 |
| Net loans and leases to deposits | 75.9333% | 3,849 |
| Net loans and leases to core deposits | 85.9503% | 3,324 |
| Total domestic deposits to total assets | 83.6396% | 4,532 |
| Equity capital to assets | 11.2960% | 2,415 |
| Core capital (leverage) ratio | 9.4063% | 3,840 |
| Tier 1 risk-based capital ratio | 13.6313% | 4,109 |
| Total risk-based capital ratio | 14.8910% | 4,075 |
| Memoranda: | ||
| Average total assets | $193,944,800 | 3,178 |
| Average earning assets | $175,919,400 | 3,170 |
| Average equity | $21,983,800 | 2,877 |
| Average total loans | $136,244,800 | 3,010 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 3,153 |
| Cost of funding earning assets | 1.0592% | 5,651 |
| Net interest margin | 4.2834% | 1,900 |
| Noninterest income to average assets | 0.4707% | 4,408 |
| Noninterest expense to average assets | 3.0869% | 3,393 |
| Loan and lease loss provision to assets | 0.7119% | 2,145 |
| Net operating income to assets | 0.2889% | 5,210 |
| Return on assets (ROA) | 0.2889% | 5,379 |
| Pretax return on assets | 0.5599% | 4,726 |
| Return on Equity (ROE) | 2.5467% | 5,414 |
| Retained earnings to average equity (ytd only) | 0.3777% | 5,643 |
| Net charge-offs to loans | 0.8144% | 2,416 |
| Credit loss provision to net charge-offs | 122.0379% | 3,368 |
| Earnings coverage of net charge-offs (x) | 2.1801% | 4,092 |
| Efficiency ratio | 70.8214% | 3,916 |
| Assets per employee ($millions) | 4.2288% | 3,388 |
| Cash dividends to net income (ytd only)* | 85.1665% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0687% | 2,070 |
| Loan loss allowance to noncurrent loans | 54.4580% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 4.5274% | 1,495 |
| Noncurrent loans to loans | 3.7987% | 2,033 |
| Net loans and leases to total assets | 66.1445% | 3,653 |
| Net loans and leases to deposits | 79.2302% | 3,593 |
| Net loans and leases to core deposits | 89.1937% | 3,210 |
| Total domestic deposits to total assets | 83.4840% | 4,384 |
| Equity capital to assets | 11.5249% | 2,514 |
| Core capital (leverage) ratio | 9.2739% | 4,244 |
| Tier 1 risk-based capital ratio | 12.9905% | 4,583 |
| Total risk-based capital ratio | 14.2497% | 4,553 |
| Memoranda: | ||
| Average total assets | $192,893,750 | 3,245 |
| Average earning assets | $175,089,000 | 3,233 |
| Average equity | $21,884,000 | 2,934 |
| Average total loans | $138,168,250 | 3,017 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 2,944 |
| Cost of funding earning assets | 1.1051% | 5,645 |
| Net interest margin | 4.3018% | 1,776 |
| Noninterest income to average assets | 0.4429% | 4,578 |
| Noninterest expense to average assets | 3.1339% | 3,168 |
| Loan and lease loss provision to assets | 1.0502% | 1,383 |
| Net operating income to assets | -0.0686% | 6,186 |
| Return on assets (ROA) | -0.0686% | 6,273 |
| Pretax return on assets | 0.1851% | 5,802 |
| Return on Equity (ROE) | -0.6081% | 6,274 |
| Retained earnings to average equity (ytd only) | -2.8195% | 6,270 |
| Net charge-offs to loans | 1.0212% | 1,831 |
| Credit loss provision to net charge-offs | 140.8647% | 2,835 |
| Earnings coverage of net charge-offs (x) | 1.6569% | 4,261 |
| Efficiency ratio | 71.7277% | 3,863 |
| Assets per employee ($millions) | 4.0487% | 3,676 |
| Cash dividends to net income (ytd only)* | -363.6364% | 7,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 2,091 |
| Loan loss allowance to noncurrent loans | 32.8565% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 4.6774% | 1,385 |
| Noncurrent loans to loans | 6.2114% | 1,007 |
| Net loans and leases to total assets | 69.7742% | 2,960 |
| Net loans and leases to deposits | 83.7215% | 2,927 |
| Net loans and leases to core deposits | 94.2372% | 2,678 |
| Total domestic deposits to total assets | 83.3408% | 4,421 |
| Equity capital to assets | 11.3267% | 2,570 |
| Core capital (leverage) ratio | 9.1122% | 4,444 |
| Tier 1 risk-based capital ratio | 12.4653% | 4,893 |
| Total risk-based capital ratio | 13.7248% | 4,861 |
| Memoranda: | ||
| Average total assets | $192,349,330 | 3,274 |
| Average earning assets | $175,556,330 | 3,248 |
| Average equity | $21,705,670 | 2,946 |
| Average total loans | $140,428,670 | 3,003 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 2,316 |
| Cost of funding earning assets | 1.1864% | 5,476 |
| Net interest margin | 4.3746% | 1,458 |
| Noninterest income to average assets | 0.4536% | 4,435 |
| Noninterest expense to average assets | 3.1188% | 3,187 |
| Loan and lease loss provision to assets | 0.4703% | 2,615 |
| Net operating income to assets | 0.5226% | 4,274 |
| Return on assets (ROA) | 0.5226% | 4,414 |
| Pretax return on assets | 0.8570% | 3,637 |
| Return on Equity (ROE) | 4.6398% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.8975% | 3,802 |
| Net charge-offs to loans | 0.7495% | 2,009 |
| Credit loss provision to net charge-offs | 84.9057% | 3,774 |
| Earnings coverage of net charge-offs (x) | 2.3962% | 3,341 |
| Efficiency ratio | 70.1457% | 4,275 |
| Assets per employee ($millions) | 4.0413% | 3,772 |
| Cash dividends to net income (ytd only)* | 16.0000% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 2,860 |
| Loan loss allowance to noncurrent loans | 38.8941% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.6201% | 1,937 |
| Noncurrent loans to loans | 4.5279% | 1,651 |
| Net loans and leases to total assets | 72.9232% | 2,226 |
| Net loans and leases to deposits | 88.2730% | 2,181 |
| Net loans and leases to core deposits | 101.9520% | 1,913 |
| Total domestic deposits to total assets | 82.6109% | 4,793 |
| Equity capital to assets | 11.8152% | 2,153 |
| Core capital (leverage) ratio | 9.4692% | 3,819 |
| Tier 1 risk-based capital ratio | 12.5647% | 4,680 |
| Total risk-based capital ratio | 13.8209% | 4,641 |
| Memoranda: | ||
| Average total assets | $191,355,500 | 3,349 |
| Average earning assets | $174,643,000 | 3,328 |
| Average equity | $21,552,500 | 2,996 |
| Average total loans | $141,432,000 | 3,049 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8595% | 2,409 |
| Cost of funding earning assets | 1.4086% | 5,895 |
| Net interest margin | 4.4509% | 1,293 |
| Noninterest income to average assets | 0.5074% | 4,357 |
| Noninterest expense to average assets | 3.2898% | 3,042 |
| Loan and lease loss provision to assets | 0.6572% | 3,183 |
| Net operating income to assets | 0.3654% | 4,270 |
| Return on assets (ROA) | 0.3654% | 4,367 |
| Pretax return on assets | 0.6057% | 3,888 |
| Return on Equity (ROE) | 3.4805% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.3537% | 3,473 |
| Net charge-offs to loans | 0.1372% | 5,842 |
| Credit loss provision to net charge-offs | 644.3299% | 454 |
| Earnings coverage of net charge-offs (x) | 12.3814% | 1,516 |
| Efficiency ratio | 72.2601% | 4,226 |
| Assets per employee ($millions) | 3.7798% | 4,322 |
| Cash dividends to net income (ytd only)* | 32.3741% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 2,609 |
| Loan loss allowance to noncurrent loans | 39.4412% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 3.5877% | 1,864 |
| Noncurrent loans to loans | 4.5161% | 1,577 |
| Net loans and leases to total assets | 72.2846% | 2,684 |
| Net loans and leases to deposits | 86.8868% | 2,758 |
| Net loans and leases to core deposits | 115.0492% | 2,410 |
| Total domestic deposits to total assets | 83.1940% | 4,427 |
| Equity capital to assets | 10.7190% | 2,952 |
| Core capital (leverage) ratio | 8.4666% | 5,331 |
| Tier 1 risk-based capital ratio | 11.2825% | 5,628 |
| Total risk-based capital ratio | 12.5392% | 5,578 |
| Memoranda: | ||
| Average total assets | $190,196,600 | 3,284 |
| Average earning assets | $172,864,000 | 3,309 |
| Average equity | $19,968,600 | 3,207 |
| Average total loans | $141,414,000 | 3,053 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9312% | 2,313 |
| Cost of funding earning assets | 1.4199% | 6,148 |
| Net interest margin | 4.5114% | 1,167 |
| Noninterest income to average assets | 0.5311% | 4,227 |
| Noninterest expense to average assets | 3.2574% | 3,090 |
| Loan and lease loss provision to assets | 0.7210% | 2,573 |
| Net operating income to assets | 0.4284% | 4,285 |
| Return on assets (ROA) | 0.4284% | 4,387 |
| Pretax return on assets | 0.6492% | 4,022 |
| Return on Equity (ROE) | 4.1019% | 4,337 |
| Retained earnings to average equity (ytd only) | 2.5865% | 3,871 |
| Net charge-offs to loans | 0.1831% | 4,927 |
| Credit loss provision to net charge-offs | 528.3505% | 742 |
| Earnings coverage of net charge-offs (x) | 10.0413% | 2,018 |
| Efficiency ratio | 70.3906% | 4,513 |
| Assets per employee ($millions) | 3.7989% | 4,191 |
| Cash dividends to net income (ytd only)* | 36.9455% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 2,992 |
| Loan loss allowance to noncurrent loans | 85.2277% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.7332% | 3,766 |
| Noncurrent loans to loans | 1.8769% | 3,801 |
| Net loans and leases to total assets | 73.0900% | 2,765 |
| Net loans and leases to deposits | 88.5709% | 2,858 |
| Net loans and leases to core deposits | 132.8352% | 1,281 |
| Total domestic deposits to total assets | 82.5214% | 4,438 |
| Equity capital to assets | 10.6954% | 3,289 |
| Core capital (leverage) ratio | 8.2337% | 5,958 |
| Tier 1 risk-based capital ratio | 10.6789% | 6,267 |
| Total risk-based capital ratio | 11.9328% | 6,242 |
| Memoranda: | ||
| Average total assets | $189,553,250 | 3,318 |
| Average earning assets | $172,124,250 | 3,342 |
| Average equity | $19,795,000 | 3,275 |
| Average total loans | $141,300,000 | 3,093 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9519% | 2,379 |
| Cost of funding earning assets | 1.3874% | 6,525 |
| Net interest margin | 4.5645% | 1,027 |
| Noninterest income to average assets | 0.5092% | 4,366 |
| Noninterest expense to average assets | 3.4652% | 2,440 |
| Loan and lease loss provision to assets | 0.8504% | 1,969 |
| Net operating income to assets | 0.2179% | 5,192 |
| Return on assets (ROA) | 0.2179% | 5,278 |
| Pretax return on assets | 0.3306% | 5,126 |
| Return on Equity (ROE) | 2.1041% | 5,261 |
| Retained earnings to average equity (ytd only) | -0.2053% | 5,274 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5825% | 3,943 |
| Assets per employee ($millions) | 3.9920% | 3,695 |
| Cash dividends to net income (ytd only)* | 109.7561% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 2,828 |
| Loan loss allowance to noncurrent loans | 262.3557% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 5,642 |
| Noncurrent loans to loans | 0.6022% | 6,055 |
| Net loans and leases to total assets | 73.8636% | 2,744 |
| Net loans and leases to deposits | 90.3783% | 2,771 |
| Net loans and leases to core deposits | 130.7359% | 1,501 |
| Total domestic deposits to total assets | 81.7272% | 4,804 |
| Equity capital to assets | 10.0967% | 3,818 |
| Core capital (leverage) ratio | 7.7347% | 6,698 |
| Tier 1 risk-based capital ratio | 9.7247% | 7,207 |
| Total risk-based capital ratio | 10.9785% | 7,148 |
| Memoranda: | ||
| Average total assets | $188,155,670 | 3,359 |
| Average earning assets | $170,535,000 | 3,387 |
| Average equity | $19,486,000 | 3,326 |
| Average total loans | $140,429,670 | 3,136 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9109% | 2,741 |
| Cost of funding earning assets | 1.3509% | 6,876 |
| Net interest margin | 4.5600% | 1,017 |
| Noninterest income to average assets | 0.3776% | 5,407 |
| Noninterest expense to average assets | 3.5854% | 1,895 |
| Loan and lease loss provision to assets | 0.2146% | 4,300 |
| Net operating income to assets | 0.4656% | 4,588 |
| Return on assets (ROA) | 0.4656% | 4,771 |
| Pretax return on assets | 0.7059% | 4,419 |
| Return on Equity (ROE) | 4.4386% | 4,731 |
| Retained earnings to average equity (ytd only) | 1.3705% | 5,087 |
| Net charge-offs to loans | -0.0029% | 7,130 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5714% | 2,895 |
| Assets per employee ($millions) | 3.6680% | 4,411 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 5,496 |
| Loan loss allowance to noncurrent loans | 893.1818% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 6,456 |
| Noncurrent loans to loans | 0.1228% | 7,171 |
| Net loans and leases to total assets | 75.7741% | 2,326 |
| Net loans and leases to deposits | 99.9316% | 1,417 |
| Net loans and leases to core deposits | 137.7327% | 1,215 |
| Total domestic deposits to total assets | 75.8259% | 6,546 |
| Equity capital to assets | 10.4449% | 3,515 |
| Core capital (leverage) ratio | 8.0143% | 6,423 |
| Tier 1 risk-based capital ratio | 9.8592% | 7,076 |
| Total risk-based capital ratio | 10.9404% | 7,177 |
| Memoranda: | ||
| Average total assets | $186,424,500 | 3,407 |
| Average earning assets | $168,772,000 | 3,438 |
| Average equity | $19,555,500 | 3,332 |
| Average total loans | $138,740,500 | 3,198 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4776% | 3,075 |
| Cost of funding earning assets | 1.8938% | 6,743 |
| Net interest margin | 4.5838% | 1,224 |
| Noninterest income to average assets | 0.5459% | 4,263 |
| Noninterest expense to average assets | 3.2884% | 3,002 |
| Loan and lease loss provision to assets | 0.0814% | 6,371 |
| Net operating income to assets | 0.8584% | 3,186 |
| Return on assets (ROA) | 0.8584% | 3,029 |
| Pretax return on assets | 1.3005% | 2,305 |
| Return on Equity (ROE) | 8.1317% | 3,017 |
| Retained earnings to average equity (ytd only) | 5.2086% | 1,907 |
| Net charge-offs to loans | 0.1303% | 4,932 |
| Credit loss provision to net charge-offs | 89.5062% | 5,695 |
| Earnings coverage of net charge-offs (x) | 15.2037% | 1,949 |
| Efficiency ratio | 70.4109% | 4,270 |
| Assets per employee ($millions) | 3.6428% | 4,305 |
| Cash dividends to net income (ytd only)* | 35.9477% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,320 |
| Loan loss allowance to noncurrent loans | 825.8427% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 6,182 |
| Noncurrent loans to loans | 0.1327% | 7,021 |
| Net loans and leases to total assets | 71.4228% | 3,701 |
| Net loans and leases to deposits | 90.5307% | 3,359 |
| Net loans and leases to core deposits | 115.5414% | 3,172 |
| Total domestic deposits to total assets | 78.8934% | 5,410 |
| Equity capital to assets | 10.5350% | 3,458 |
| Core capital (leverage) ratio | 8.1801% | 6,202 |
| Tier 1 risk-based capital ratio | 10.4544% | 6,253 |
| Total risk-based capital ratio | 11.5315% | 6,313 |
| Memoranda: | ||
| Average total assets | $178,233,800 | 3,432 |
| Average earning assets | $160,368,000 | 3,465 |
| Average equity | $18,815,200 | 3,427 |
| Average total loans | $124,370,400 | 3,369 |