Home > Covenant Bank > Performance and Condition Ratios
Covenant Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 1,048 |
| Cost of funding earning assets | 0.3932% | 3,229 |
| Net interest margin | 4.3358% | 896 |
| Noninterest income to average assets | 1.0166% | 1,141 |
| Noninterest expense to average assets | 4.1403% | 576 |
| Loan and lease loss provision to assets | 0.3717% | 382 |
| Net operating income to assets | 0.2848% | 5,399 |
| Return on assets (ROA) | 0.2848% | 5,480 |
| Pretax return on assets | 0.2826% | 5,555 |
| Return on Equity (ROE) | 2.5219% | 5,450 |
| Retained earnings to average equity (ytd only) | 0.1150% | 5,459 |
| Net charge-offs to loans | 0.6606% | 363 |
| Credit loss provision to net charge-offs | 72.8709% | 3,077 |
| Earnings coverage of net charge-offs (x) | 1.2827% | 4,115 |
| Efficiency ratio | 86.3534% | 969 |
| Assets per employee ($millions) | 3.2665% | 5,197 |
| Cash dividends to net income (ytd only)* | 95.4403% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,565 |
| Loan loss allowance to noncurrent loans | 55.1531% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 3.1082% | 412 |
| Noncurrent loans to loans | 2.1471% | 944 |
| Net loans and leases to total assets | 77.8018% | 1,148 |
| Net loans and leases to deposits | 101.1714% | 595 |
| Net loans and leases to core deposits | 105.7141% | 1,114 |
| Total domestic deposits to total assets | 76.9010% | 5,331 |
| Equity capital to assets | 11.3014% | 2,540 |
| Core capital (leverage) ratio | 11.0043% | 2,402 |
| Tier 1 risk-based capital ratio | 12.4853% | 4,644 |
| Total risk-based capital ratio | 13.5457% | 4,659 |
| Memoranda: | ||
| Average total assets | $223,294,000 | 2,719 |
| Average earning assets | $194,567,800 | 2,834 |
| Average equity | $25,219,200 | 2,672 |
| Average total loans | $172,410,000 | 2,330 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 1,053 |
| Cost of funding earning assets | 0.4029% | 3,198 |
| Net interest margin | 4.3237% | 919 |
| Noninterest income to average assets | 1.0287% | 1,121 |
| Noninterest expense to average assets | 3.9876% | 679 |
| Loan and lease loss provision to assets | 0.5248% | 191 |
| Net operating income to assets | 0.2886% | 5,486 |
| Return on assets (ROA) | 0.2886% | 5,560 |
| Pretax return on assets | 0.2856% | 5,665 |
| Return on Equity (ROE) | 2.5559% | 5,538 |
| Retained earnings to average equity (ytd only) | 1.1301% | 5,261 |
| Net charge-offs to loans | 0.3640% | 721 |
| Credit loss provision to net charge-offs | 187.6333% | 1,409 |
| Earnings coverage of net charge-offs (x) | 2.8976% | 3,587 |
| Efficiency ratio | 83.1096% | 1,251 |
| Assets per employee ($millions) | 3.2681% | 5,179 |
| Cash dividends to net income (ytd only)* | 55.7847% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 1,782 |
| Loan loss allowance to noncurrent loans | 61.7615% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 3.6759% | 335 |
| Noncurrent loans to loans | 2.5975% | 766 |
| Net loans and leases to total assets | 77.0306% | 1,248 |
| Net loans and leases to deposits | 98.1965% | 801 |
| Net loans and leases to core deposits | 103.4150% | 1,270 |
| Total domestic deposits to total assets | 78.4453% | 5,101 |
| Equity capital to assets | 11.4008% | 2,585 |
| Core capital (leverage) ratio | 10.9507% | 2,542 |
| Tier 1 risk-based capital ratio | 12.5158% | 4,746 |
| Total risk-based capital ratio | 13.7685% | 4,645 |
| Memoranda: | ||
| Average total assets | $223,587,000 | 2,743 |
| Average earning assets | $194,921,500 | 2,854 |
| Average equity | $25,248,250 | 2,697 |
| Average total loans | $171,791,000 | 2,345 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 1,128 |
| Cost of funding earning assets | 0.4119% | 3,136 |
| Net interest margin | 4.2602% | 995 |
| Noninterest income to average assets | 0.9614% | 1,276 |
| Noninterest expense to average assets | 3.9868% | 685 |
| Loan and lease loss provision to assets | 0.6704% | 128 |
| Net operating income to assets | 0.1268% | 5,841 |
| Return on assets (ROA) | 0.1268% | 5,885 |
| Pretax return on assets | 0.0250% | 5,997 |
| Return on Equity (ROE) | 1.1261% | 5,882 |
| Retained earnings to average equity (ytd only) | 0.2538% | 5,428 |
| Net charge-offs to loans | 0.5460% | 450 |
| Credit loss provision to net charge-offs | 160.8137% | 1,463 |
| Earnings coverage of net charge-offs (x) | 1.6681% | 3,475 |
| Efficiency ratio | 85.1478% | 1,137 |
| Assets per employee ($millions) | 3.1471% | 5,411 |
| Cash dividends to net income (ytd only)* | 77.4648% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 2,195 |
| Loan loss allowance to noncurrent loans | 45.9469% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 3.5637% | 398 |
| Noncurrent loans to loans | 3.3150% | 547 |
| Net loans and leases to total assets | 77.0817% | 1,204 |
| Net loans and leases to deposits | 94.8201% | 1,067 |
| Net loans and leases to core deposits | 99.9315% | 1,497 |
| Total domestic deposits to total assets | 81.2926% | 4,519 |
| Equity capital to assets | 11.2622% | 2,605 |
| Core capital (leverage) ratio | 10.9398% | 2,489 |
| Tier 1 risk-based capital ratio | 12.4129% | 4,868 |
| Total risk-based capital ratio | 13.6647% | 4,779 |
| Memoranda: | ||
| Average total assets | $224,039,330 | 2,755 |
| Average earning assets | $195,673,000 | 2,863 |
| Average equity | $25,219,000 | 2,706 |
| Average total loans | $171,062,670 | 2,362 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,073 |
| Cost of funding earning assets | 0.4212% | 3,058 |
| Net interest margin | 4.2548% | 967 |
| Noninterest income to average assets | 0.9539% | 1,223 |
| Noninterest expense to average assets | 4.1170% | 605 |
| Loan and lease loss provision to assets | 0.2264% | 772 |
| Net operating income to assets | 0.3156% | 5,357 |
| Return on assets (ROA) | 0.3156% | 5,464 |
| Pretax return on assets | 0.3209% | 5,604 |
| Return on Equity (ROE) | 2.8044% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.8044% | 4,283 |
| Net charge-offs to loans | 0.3595% | 680 |
| Credit loss provision to net charge-offs | 83.5526% | 1,795 |
| Earnings coverage of net charge-offs (x) | 2.0197% | 2,832 |
| Efficiency ratio | 88.2645% | 1,001 |
| Assets per employee ($millions) | 3.2113% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 2,871 |
| Loan loss allowance to noncurrent loans | 68.4394% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 2.7200% | 740 |
| Noncurrent loans to loans | 2.0597% | 1,259 |
| Net loans and leases to total assets | 74.3334% | 1,451 |
| Net loans and leases to deposits | 89.1359% | 1,488 |
| Net loans and leases to core deposits | 94.3005% | 1,741 |
| Total domestic deposits to total assets | 83.3934% | 4,048 |
| Equity capital to assets | 11.4442% | 2,520 |
| Core capital (leverage) ratio | 10.9101% | 2,505 |
| Tier 1 risk-based capital ratio | 12.8496% | 4,696 |
| Total risk-based capital ratio | 14.0792% | 4,625 |
| Memoranda: | ||
| Average total assets | $224,336,000 | 2,769 |
| Average earning assets | $195,639,500 | 2,886 |
| Average equity | $25,246,000 | 2,724 |
| Average total loans | $169,144,000 | 2,376 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 1,313 |
| Cost of funding earning assets | 0.4488% | 3,182 |
| Net interest margin | 4.2489% | 1,165 |
| Noninterest income to average assets | 0.9972% | 1,222 |
| Noninterest expense to average assets | 3.6651% | 1,201 |
| Loan and lease loss provision to assets | 0.8528% | 146 |
| Net operating income to assets | 0.2374% | 5,686 |
| Return on assets (ROA) | 0.2374% | 5,745 |
| Pretax return on assets | 0.1956% | 5,877 |
| Return on Equity (ROE) | 2.1946% | 5,723 |
| Retained earnings to average equity (ytd only) | 1.3821% | 5,153 |
| Net charge-offs to loans | 1.2161% | 218 |
| Credit loss provision to net charge-offs | 96.1613% | 2,513 |
| Earnings coverage of net charge-offs (x) | 1.1822% | 4,482 |
| Efficiency ratio | 77.7564% | 2,241 |
| Assets per employee ($millions) | 3.2912% | 5,273 |
| Cash dividends to net income (ytd only)* | 37.0236% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 2,997 |
| Loan loss allowance to noncurrent loans | 96.7087% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 2.2995% | 1,039 |
| Noncurrent loans to loans | 1.4373% | 2,047 |
| Net loans and leases to total assets | 74.3509% | 1,531 |
| Net loans and leases to deposits | 89.1530% | 1,600 |
| Net loans and leases to core deposits | 93.9813% | 1,926 |
| Total domestic deposits to total assets | 83.3970% | 3,945 |
| Equity capital to assets | 11.0678% | 2,834 |
| Core capital (leverage) ratio | 9.7378% | 3,919 |
| Tier 1 risk-based capital ratio | 11.5827% | 5,619 |
| Total risk-based capital ratio | 12.8100% | 5,537 |
| Memoranda: | ||
| Average total assets | $232,055,600 | 2,678 |
| Average earning assets | $202,969,400 | 2,775 |
| Average equity | $25,107,600 | 2,649 |
| Average total loans | $169,226,800 | 2,327 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 1,380 |
| Cost of funding earning assets | 0.4500% | 3,249 |
| Net interest margin | 4.2202% | 1,226 |
| Noninterest income to average assets | 0.9824% | 1,276 |
| Noninterest expense to average assets | 3.6451% | 1,215 |
| Loan and lease loss provision to assets | 0.3623% | 483 |
| Net operating income to assets | 0.5384% | 4,717 |
| Return on assets (ROA) | 0.5384% | 4,788 |
| Pretax return on assets | 0.6732% | 4,794 |
| Return on Equity (ROE) | 5.0037% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.4513% | 3,484 |
| Net charge-offs to loans | 0.5998% | 620 |
| Credit loss provision to net charge-offs | 83.5310% | 2,529 |
| Earnings coverage of net charge-offs (x) | 2.3874% | 3,925 |
| Efficiency ratio | 77.8755% | 2,198 |
| Assets per employee ($millions) | 3.3791% | 5,076 |
| Cash dividends to net income (ytd only)* | 11.0401% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 3,122 |
| Loan loss allowance to noncurrent loans | 84.1384% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.6223% | 979 |
| Noncurrent loans to loans | 1.6772% | 1,944 |
| Net loans and leases to total assets | 72.0210% | 1,847 |
| Net loans and leases to deposits | 90.1370% | 1,414 |
| Net loans and leases to core deposits | 95.2792% | 1,733 |
| Total domestic deposits to total assets | 79.9017% | 5,123 |
| Equity capital to assets | 11.3232% | 2,647 |
| Core capital (leverage) ratio | 10.1704% | 3,445 |
| Tier 1 risk-based capital ratio | 12.3610% | 5,260 |
| Total risk-based capital ratio | 13.5917% | 5,204 |
| Memoranda: | ||
| Average total assets | $233,296,500 | 2,686 |
| Average earning assets | $204,440,750 | 2,779 |
| Average equity | $25,101,000 | 2,664 |
| Average total loans | $168,727,250 | 2,347 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 1,474 |
| Cost of funding earning assets | 0.4477% | 3,353 |
| Net interest margin | 4.1731% | 1,303 |
| Noninterest income to average assets | 0.9245% | 1,412 |
| Noninterest expense to average assets | 3.6045% | 1,287 |
| Loan and lease loss provision to assets | 0.4618% | 336 |
| Net operating income to assets | 0.4380% | 5,063 |
| Return on assets (ROA) | 0.4380% | 5,143 |
| Pretax return on assets | 0.5136% | 5,238 |
| Return on Equity (ROE) | 4.1408% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.3062% | 4,098 |
| Net charge-offs to loans | 0.9574% | 370 |
| Credit loss provision to net charge-offs | 66.9127% | 2,521 |
| Earnings coverage of net charge-offs (x) | 1.4133% | 3,811 |
| Efficiency ratio | 78.7025% | 2,203 |
| Assets per employee ($millions) | 3.6955% | 4,458 |
| Cash dividends to net income (ytd only)* | 20.1550% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 4,144 |
| Loan loss allowance to noncurrent loans | 59.7544% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.5875% | 1,061 |
| Noncurrent loans to loans | 2.0958% | 1,597 |
| Net loans and leases to total assets | 70.7990% | 1,951 |
| Net loans and leases to deposits | 87.1528% | 1,688 |
| Net loans and leases to core deposits | 92.0136% | 1,941 |
| Total domestic deposits to total assets | 81.2356% | 4,907 |
| Equity capital to assets | 10.3398% | 3,636 |
| Core capital (leverage) ratio | 9.6946% | 4,056 |
| Tier 1 risk-based capital ratio | 11.3905% | 5,860 |
| Total risk-based capital ratio | 12.4895% | 5,884 |
| Memoranda: | ||
| Average total assets | $235,594,670 | 2,677 |
| Average earning assets | $206,371,330 | 2,768 |
| Average equity | $24,922,670 | 2,668 |
| Average total loans | $169,839,330 | 2,336 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,323 |
| Cost of funding earning assets | 0.4553% | 3,375 |
| Net interest margin | 4.2148% | 1,174 |
| Noninterest income to average assets | 0.9022% | 1,388 |
| Noninterest expense to average assets | 3.5845% | 1,335 |
| Loan and lease loss provision to assets | 0.4079% | 411 |
| Net operating income to assets | 0.4874% | 4,749 |
| Return on assets (ROA) | 0.4874% | 4,824 |
| Pretax return on assets | 0.5894% | 4,860 |
| Return on Equity (ROE) | 4.5531% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.8739% | 4,372 |
| Net charge-offs to loans | 0.9945% | 337 |
| Credit loss provision to net charge-offs | 56.7308% | 2,140 |
| Earnings coverage of net charge-offs (x) | 1.3870% | 3,109 |
| Efficiency ratio | 78.2346% | 2,445 |
| Assets per employee ($millions) | 3.5550% | 4,821 |
| Cash dividends to net income (ytd only)* | 36.8794% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 3,767 |
| Loan loss allowance to noncurrent loans | 55.9127% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.8270% | 1,047 |
| Noncurrent loans to loans | 2.4408% | 1,432 |
| Net loans and leases to total assets | 70.2026% | 1,854 |
| Net loans and leases to deposits | 83.2533% | 1,918 |
| Net loans and leases to core deposits | 88.0396% | 2,089 |
| Total domestic deposits to total assets | 84.3241% | 4,153 |
| Equity capital to assets | 10.6023% | 3,142 |
| Core capital (leverage) ratio | 9.7432% | 3,933 |
| Tier 1 risk-based capital ratio | 11.9987% | 5,648 |
| Total risk-based capital ratio | 13.2019% | 5,604 |
| Memoranda: | ||
| Average total assets | $231,440,500 | 2,727 |
| Average earning assets | $202,050,000 | 2,831 |
| Average equity | $24,774,500 | 2,667 |
| Average total loans | $167,323,500 | 2,371 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 1,657 |
| Cost of funding earning assets | 0.5416% | 3,179 |
| Net interest margin | 4.1281% | 1,575 |
| Noninterest income to average assets | 0.7964% | 2,093 |
| Noninterest expense to average assets | 3.6455% | 1,381 |
| Loan and lease loss provision to assets | 0.1179% | 2,843 |
| Net operating income to assets | 0.8123% | 3,230 |
| Return on assets (ROA) | 0.8080% | 3,348 |
| Pretax return on assets | 0.6371% | 4,749 |
| Return on Equity (ROE) | 7.6509% | 3,219 |
| Retained earnings to average equity (ytd only) | 1.1045% | 5,340 |
| Net charge-offs to loans | 0.0681% | 4,259 |
| Credit loss provision to net charge-offs | 248.6486% | 917 |
| Earnings coverage of net charge-offs (x) | 16.0090% | 1,830 |
| Efficiency ratio | 82.7626% | 1,780 |
| Assets per employee ($millions) | 3.4068% | 5,069 |
| Cash dividends to net income (ytd only)* | 85.5632% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 3,347 |
| Loan loss allowance to noncurrent loans | 53.2712% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 3.3647% | 895 |
| Noncurrent loans to loans | 2.7533% | 1,297 |
| Net loans and leases to total assets | 72.3732% | 1,619 |
| Net loans and leases to deposits | 87.0363% | 1,570 |
| Net loans and leases to core deposits | 92.8703% | 1,687 |
| Total domestic deposits to total assets | 83.1529% | 4,492 |
| Equity capital to assets | 10.8095% | 2,807 |
| Core capital (leverage) ratio | 9.9300% | 3,667 |
| Tier 1 risk-based capital ratio | 11.9334% | 5,656 |
| Total risk-based capital ratio | 13.1837% | 5,598 |
| Memoranda: | ||
| Average total assets | $234,040,000 | 2,678 |
| Average earning assets | $204,573,600 | 2,782 |
| Average equity | $24,716,000 | 2,651 |
| Average total loans | $163,056,600 | 2,379 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,822 |
| Cost of funding earning assets | 0.5558% | 3,207 |
| Net interest margin | 4.0660% | 1,739 |
| Noninterest income to average assets | 0.8215% | 2,049 |
| Noninterest expense to average assets | 3.6310% | 1,348 |
| Loan and lease loss provision to assets | 0.0447% | 4,123 |
| Net operating income to assets | 0.7038% | 3,841 |
| Return on assets (ROA) | 0.6987% | 4,002 |
| Pretax return on assets | 0.6987% | 4,695 |
| Return on Equity (ROE) | 6.6539% | 3,840 |
| Retained earnings to average equity (ytd only) | 4.9608% | 3,114 |
| Net charge-offs to loans | 0.0222% | 4,683 |
| Credit loss provision to net charge-offs | 292.5926% | 871 |
| Earnings coverage of net charge-offs (x) | 48.9617% | 877 |
| Efficiency ratio | 82.9089% | 1,718 |
| Assets per employee ($millions) | 3.4269% | 5,000 |
| Cash dividends to net income (ytd only)* | 25.4460% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 3,665 |
| Loan loss allowance to noncurrent loans | 108.5609% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 2.3805% | 1,646 |
| Noncurrent loans to loans | 1.3398% | 3,182 |
| Net loans and leases to total assets | 70.2739% | 1,916 |
| Net loans and leases to deposits | 87.2517% | 1,464 |
| Net loans and leases to core deposits | 93.3591% | 1,637 |
| Total domestic deposits to total assets | 80.5416% | 5,348 |
| Equity capital to assets | 11.1706% | 2,594 |
| Core capital (leverage) ratio | 10.3830% | 3,129 |
| Tier 1 risk-based capital ratio | 12.5913% | 5,397 |
| Total risk-based capital ratio | 13.8414% | 5,342 |
| Memoranda: | ||
| Average total assets | $235,486,750 | 2,682 |
| Average earning assets | $206,059,750 | 2,790 |
| Average equity | $24,726,750 | 2,672 |
| Average total loans | $161,907,500 | 2,409 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 2,082 |
| Cost of funding earning assets | 0.5675% | 3,240 |
| Net interest margin | 3.9633% | 1,992 |
| Noninterest income to average assets | 0.8165% | 2,125 |
| Noninterest expense to average assets | 3.5886% | 1,431 |
| Loan and lease loss provision to assets | 0.1526% | 2,411 |
| Net operating income to assets | 0.5465% | 4,570 |
| Return on assets (ROA) | 0.5465% | 4,736 |
| Pretax return on assets | 0.5465% | 5,212 |
| Return on Equity (ROE) | 5.3122% | 4,558 |
| Retained earnings to average equity (ytd only) | 3.6094% | 4,018 |
| Net charge-offs to loans | 0.0481% | 4,006 |
| Credit loss provision to net charge-offs | 466.6667% | 588 |
| Earnings coverage of net charge-offs (x) | 21.3846% | 1,417 |
| Efficiency ratio | 83.6950% | 1,670 |
| Assets per employee ($millions) | 3.4970% | 4,861 |
| Cash dividends to net income (ytd only)* | 32.0552% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 3,445 |
| Loan loss allowance to noncurrent loans | 103.8347% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 2.6373% | 1,586 |
| Noncurrent loans to loans | 1.4738% | 3,097 |
| Net loans and leases to total assets | 67.9405% | 2,246 |
| Net loans and leases to deposits | 81.8928% | 2,073 |
| Net loans and leases to core deposits | 87.5388% | 2,168 |
| Total domestic deposits to total assets | 82.9627% | 4,708 |
| Equity capital to assets | 10.7896% | 2,953 |
| Core capital (leverage) ratio | 9.8926% | 3,659 |
| Tier 1 risk-based capital ratio | 12.3499% | 5,599 |
| Total risk-based capital ratio | 13.6006% | 5,545 |
| Memoranda: | ||
| Average total assets | $238,590,670 | 2,663 |
| Average earning assets | $208,968,670 | 2,756 |
| Average equity | $24,547,330 | 2,712 |
| Average total loans | $162,114,000 | 2,410 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 2,498 |
| Cost of funding earning assets | 0.5727% | 3,355 |
| Net interest margin | 3.8351% | 2,333 |
| Noninterest income to average assets | 0.7506% | 2,336 |
| Noninterest expense to average assets | 3.4675% | 1,689 |
| Loan and lease loss provision to assets | 0.2326% | 1,570 |
| Net operating income to assets | 0.4305% | 5,003 |
| Return on assets (ROA) | 0.4305% | 5,160 |
| Pretax return on assets | 0.4305% | 5,469 |
| Return on Equity (ROE) | 4.2840% | 4,955 |
| Retained earnings to average equity (ytd only) | 2.5606% | 4,743 |
| Net charge-offs to loans | 0.0293% | 3,618 |
| Credit loss provision to net charge-offs | 1,175.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 902 |
| Efficiency ratio | 83.9457% | 1,775 |
| Assets per employee ($millions) | 3.7113% | 4,530 |
| Cash dividends to net income (ytd only)* | 40.2299% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 3,774 |
| Loan loss allowance to noncurrent loans | 56.4377% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.3544% | 1,976 |
| Noncurrent loans to loans | 2.6785% | 1,911 |
| Net loans and leases to total assets | 64.4729% | 2,619 |
| Net loans and leases to deposits | 76.2558% | 2,596 |
| Net loans and leases to core deposits | 83.4456% | 2,397 |
| Total domestic deposits to total assets | 84.5481% | 4,248 |
| Equity capital to assets | 10.0021% | 4,150 |
| Core capital (leverage) ratio | 9.4384% | 4,185 |
| Tier 1 risk-based capital ratio | 12.5602% | 5,549 |
| Total risk-based capital ratio | 13.8114% | 5,488 |
| Memoranda: | ||
| Average total assets | $242,483,500 | 2,654 |
| Average earning assets | $213,710,500 | 2,723 |
| Average equity | $24,369,500 | 2,768 |
| Average total loans | $163,547,500 | 2,398 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 2,234 |
| Cost of funding earning assets | 0.7762% | 2,862 |
| Net interest margin | 4.0148% | 2,337 |
| Noninterest income to average assets | 0.9049% | 1,844 |
| Noninterest expense to average assets | 3.3542% | 2,177 |
| Loan and lease loss provision to assets | 0.2819% | 2,400 |
| Net operating income to assets | 0.8116% | 3,239 |
| Return on assets (ROA) | 0.8116% | 3,481 |
| Pretax return on assets | 0.8116% | 4,251 |
| Return on Equity (ROE) | 8.3334% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.7177% | 1,227 |
| Net charge-offs to loans | 0.4226% | 2,546 |
| Credit loss provision to net charge-offs | 98.5444% | 3,150 |
| Earnings coverage of net charge-offs (x) | 3.8224% | 3,587 |
| Efficiency ratio | 75.4143% | 2,845 |
| Assets per employee ($millions) | 3.6926% | 4,582 |
| Cash dividends to net income (ytd only)* | 7.3884% | 4,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 4,284 |
| Loan loss allowance to noncurrent loans | 55.2106% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.3082% | 2,131 |
| Noncurrent loans to loans | 2.4918% | 2,126 |
| Net loans and leases to total assets | 68.5162% | 2,098 |
| Net loans and leases to deposits | 82.1829% | 1,977 |
| Net loans and leases to core deposits | 90.5264% | 1,778 |
| Total domestic deposits to total assets | 83.3705% | 4,574 |
| Equity capital to assets | 10.0988% | 4,038 |
| Core capital (leverage) ratio | 9.5735% | 4,004 |
| Tier 1 risk-based capital ratio | 12.0962% | 5,723 |
| Total risk-based capital ratio | 13.3368% | 5,692 |
| Memoranda: | ||
| Average total assets | $240,148,200 | 2,632 |
| Average earning assets | $211,917,800 | 2,709 |
| Average equity | $23,387,800 | 2,811 |
| Average total loans | $162,580,800 | 2,394 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 2,166 |
| Cost of funding earning assets | 0.8285% | 2,714 |
| Net interest margin | 4.0281% | 2,388 |
| Noninterest income to average assets | 0.9154% | 1,776 |
| Noninterest expense to average assets | 3.1875% | 2,606 |
| Loan and lease loss provision to assets | 0.3186% | 2,074 |
| Net operating income to assets | 0.9665% | 2,674 |
| Return on assets (ROA) | 0.9665% | 2,891 |
| Pretax return on assets | 0.9665% | 3,838 |
| Return on Equity (ROE) | 10.0163% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.7919% | 970 |
| Net charge-offs to loans | 0.2616% | 3,151 |
| Credit loss provision to net charge-offs | 181.0726% | 1,537 |
| Earnings coverage of net charge-offs (x) | 7.3028% | 2,622 |
| Efficiency ratio | 71.2672% | 3,454 |
| Assets per employee ($millions) | 3.7415% | 4,445 |
| Cash dividends to net income (ytd only)* | 2.2401% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 3,646 |
| Loan loss allowance to noncurrent loans | 50.3440% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.7721% | 1,896 |
| Noncurrent loans to loans | 3.1188% | 1,783 |
| Net loans and leases to total assets | 67.0460% | 2,447 |
| Net loans and leases to deposits | 83.1630% | 1,979 |
| Net loans and leases to core deposits | 89.6740% | 2,024 |
| Total domestic deposits to total assets | 80.6200% | 5,478 |
| Equity capital to assets | 10.1538% | 4,270 |
| Core capital (leverage) ratio | 9.3121% | 4,563 |
| Tier 1 risk-based capital ratio | 12.0428% | 5,914 |
| Total risk-based capital ratio | 13.2943% | 5,899 |
| Memoranda: | ||
| Average total assets | $240,180,500 | 2,650 |
| Average earning assets | $212,103,250 | 2,732 |
| Average equity | $23,175,000 | 2,856 |
| Average total loans | $161,539,500 | 2,435 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 2,517 |
| Cost of funding earning assets | 0.9079% | 2,334 |
| Net interest margin | 3.8899% | 2,953 |
| Noninterest income to average assets | 0.9234% | 1,696 |
| Noninterest expense to average assets | 3.2027% | 2,580 |
| Loan and lease loss provision to assets | 0.3228% | 2,042 |
| Net operating income to assets | 0.8302% | 3,242 |
| Return on assets (ROA) | 0.8302% | 3,506 |
| Pretax return on assets | 0.8302% | 4,357 |
| Return on Equity (ROE) | 8.7562% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.7562% | 1,356 |
| Net charge-offs to loans | 0.1391% | 3,807 |
| Credit loss provision to net charge-offs | 346.4286% | 843 |
| Earnings coverage of net charge-offs (x) | 12.3750% | 1,881 |
| Efficiency ratio | 73.5294% | 3,155 |
| Assets per employee ($millions) | 3.9611% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,711 |
| Loan loss allowance to noncurrent loans | 67.6810% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.1021% | 2,664 |
| Noncurrent loans to loans | 2.3166% | 2,583 |
| Net loans and leases to total assets | 63.8922% | 3,059 |
| Net loans and leases to deposits | 80.6110% | 2,296 |
| Net loans and leases to core deposits | 86.6677% | 2,337 |
| Total domestic deposits to total assets | 79.2598% | 5,909 |
| Equity capital to assets | 9.2287% | 5,434 |
| Core capital (leverage) ratio | 8.8875% | 5,067 |
| Tier 1 risk-based capital ratio | 11.6402% | 6,148 |
| Total risk-based capital ratio | 12.8912% | 6,127 |
| Memoranda: | ||
| Average total assets | $240,421,330 | 2,652 |
| Average earning assets | $212,138,330 | 2,734 |
| Average equity | $22,795,330 | 2,879 |
| Average total loans | $161,016,670 | 2,451 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 2,131 |
| Cost of funding earning assets | 1.0076% | 1,937 |
| Net interest margin | 3.9234% | 2,831 |
| Noninterest income to average assets | 0.9868% | 1,458 |
| Noninterest expense to average assets | 3.3762% | 2,070 |
| Loan and lease loss provision to assets | 0.3455% | 1,812 |
| Net operating income to assets | 0.7149% | 3,807 |
| Return on assets (ROA) | 0.7149% | 4,028 |
| Pretax return on assets | 0.7149% | 4,745 |
| Return on Equity (ROE) | 7.4328% | 3,540 |
| Retained earnings to average equity (ytd only) | 7.4328% | 2,209 |
| Net charge-offs to loans | -0.0126% | 6,017 |
| Credit loss provision to net charge-offs | -4,040.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0987% | 2,775 |
| Assets per employee ($millions) | 3.8240% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,830 |
| Loan loss allowance to noncurrent loans | 65.6128% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.2485% | 2,649 |
| Noncurrent loans to loans | 2.3994% | 2,705 |
| Net loans and leases to total assets | 66.2147% | 2,428 |
| Net loans and leases to deposits | 82.0291% | 1,934 |
| Net loans and leases to core deposits | 89.2820% | 1,922 |
| Total domestic deposits to total assets | 80.7209% | 5,673 |
| Equity capital to assets | 9.5824% | 4,672 |
| Core capital (leverage) ratio | 9.0238% | 4,805 |
| Tier 1 risk-based capital ratio | 11.5239% | 6,269 |
| Total risk-based capital ratio | 12.7805% | 6,244 |
| Memoranda: | ||
| Average total assets | $233,875,500 | 2,729 |
| Average earning assets | $205,638,000 | 2,825 |
| Average equity | $22,495,000 | 2,913 |
| Average total loans | $159,247,500 | 2,495 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0766% | 2,545 |
| Cost of funding earning assets | 1.3655% | 1,181 |
| Net interest margin | 3.7112% | 4,250 |
| Noninterest income to average assets | 0.8368% | 1,900 |
| Noninterest expense to average assets | 3.7548% | 1,429 |
| Loan and lease loss provision to assets | 1.0215% | 921 |
| Net operating income to assets | -0.6310% | 6,566 |
| Return on assets (ROA) | -1.2159% | 6,851 |
| Pretax return on assets | -1.3603% | 6,857 |
| Return on Equity (ROE) | -12.8104% | 6,826 |
| Retained earnings to average equity (ytd only) | -12.8104% | 6,798 |
| Net charge-offs to loans | 1.5240% | 1,052 |
| Credit loss provision to net charge-offs | 97.4042% | 3,696 |
| Earnings coverage of net charge-offs (x) | 0.3035% | 5,599 |
| Efficiency ratio | 92.1851% | 1,034 |
| Assets per employee ($millions) | 3.7813% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,241 |
| Loan loss allowance to noncurrent loans | 59.0921% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.3242% | 2,601 |
| Noncurrent loans to loans | 2.4523% | 2,681 |
| Net loans and leases to total assets | 67.9316% | 2,406 |
| Net loans and leases to deposits | 85.3479% | 1,756 |
| Net loans and leases to core deposits | 93.2468% | 1,774 |
| Total domestic deposits to total assets | 79.5938% | 5,845 |
| Equity capital to assets | 9.6553% | 4,668 |
| Core capital (leverage) ratio | 8.5506% | 5,482 |
| Tier 1 risk-based capital ratio | 11.5133% | 6,152 |
| Total risk-based capital ratio | 12.7635% | 6,140 |
| Memoranda: | ||
| Average total assets | $238,762,600 | 2,646 |
| Average earning assets | $208,209,000 | 2,747 |
| Average equity | $22,661,200 | 2,820 |
| Average total loans | $164,305,400 | 2,433 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0866% | 2,675 |
| Cost of funding earning assets | 1.4122% | 1,179 |
| Net interest margin | 3.6744% | 4,450 |
| Noninterest income to average assets | 0.9020% | 1,643 |
| Noninterest expense to average assets | 3.6036% | 1,702 |
| Loan and lease loss provision to assets | 0.9087% | 980 |
| Net operating income to assets | -0.3278% | 6,527 |
| Return on assets (ROA) | -0.7752% | 6,823 |
| Pretax return on assets | -0.9668% | 6,866 |
| Return on Equity (ROE) | -8.2018% | 6,821 |
| Retained earnings to average equity (ytd only) | -8.2018% | 6,773 |
| Net charge-offs to loans | 1.3564% | 1,114 |
| Credit loss provision to net charge-offs | 97.3887% | 3,516 |
| Earnings coverage of net charge-offs (x) | 0.5371% | 5,229 |
| Efficiency ratio | 87.7917% | 1,361 |
| Assets per employee ($millions) | 3.8919% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 4,403 |
| Loan loss allowance to noncurrent loans | 52.3177% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.4717% | 2,603 |
| Noncurrent loans to loans | 2.7395% | 2,556 |
| Net loans and leases to total assets | 67.3526% | 2,603 |
| Net loans and leases to deposits | 85.9296% | 1,696 |
| Net loans and leases to core deposits | 94.8296% | 1,717 |
| Total domestic deposits to total assets | 78.3811% | 6,117 |
| Equity capital to assets | 9.7345% | 4,727 |
| Core capital (leverage) ratio | 9.2686% | 4,506 |
| Tier 1 risk-based capital ratio | 11.7849% | 6,045 |
| Total risk-based capital ratio | 13.0352% | 6,039 |
| Memoranda: | ||
| Average total assets | $240,788,250 | 2,639 |
| Average earning assets | $209,878,250 | 2,736 |
| Average equity | $22,758,750 | 2,808 |
| Average total loans | $165,633,000 | 2,434 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 2,545 |
| Cost of funding earning assets | 1.4639% | 1,148 |
| Net interest margin | 3.6664% | 4,432 |
| Noninterest income to average assets | 0.9202% | 1,583 |
| Noninterest expense to average assets | 3.6451% | 1,636 |
| Loan and lease loss provision to assets | 1.2847% | 582 |
| Net operating income to assets | -0.6612% | 6,797 |
| Return on assets (ROA) | -1.1665% | 7,003 |
| Pretax return on assets | -1.4526% | 7,050 |
| Return on Equity (ROE) | -12.4637% | 6,994 |
| Retained earnings to average equity (ytd only) | -12.4637% | 6,952 |
| Net charge-offs to loans | 1.9620% | 688 |
| Credit loss provision to net charge-offs | 94.9878% | 3,309 |
| Earnings coverage of net charge-offs (x) | 0.3429% | 5,057 |
| Efficiency ratio | 88.7123% | 1,348 |
| Assets per employee ($millions) | 3.8523% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,544 |
| Loan loss allowance to noncurrent loans | 169.2820% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 1.4869% | 3,975 |
| Noncurrent loans to loans | 0.8299% | 5,266 |
| Net loans and leases to total assets | 68.2974% | 2,560 |
| Net loans and leases to deposits | 87.9694% | 1,505 |
| Net loans and leases to core deposits | 99.3912% | 1,398 |
| Total domestic deposits to total assets | 77.6376% | 6,352 |
| Equity capital to assets | 9.9505% | 4,220 |
| Core capital (leverage) ratio | 9.1913% | 4,422 |
| Tier 1 risk-based capital ratio | 11.6724% | 6,031 |
| Total risk-based capital ratio | 12.8925% | 6,052 |
| Memoranda: | ||
| Average total assets | $241,916,670 | 2,634 |
| Average earning assets | $210,394,670 | 2,755 |
| Average equity | $22,641,670 | 2,800 |
| Average total loans | $166,770,000 | 2,448 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 2,682 |
| Cost of funding earning assets | 1.4725% | 1,283 |
| Net interest margin | 3.6183% | 4,492 |
| Noninterest income to average assets | 0.8020% | 2,025 |
| Noninterest expense to average assets | 3.5667% | 1,832 |
| Loan and lease loss provision to assets | 0.4320% | 2,031 |
| Net operating income to assets | 0.1408% | 5,970 |
| Return on assets (ROA) | -0.5738% | 6,854 |
| Pretax return on assets | -1.1770% | 7,050 |
| Return on Equity (ROE) | -6.3221% | 6,882 |
| Retained earnings to average equity (ytd only) | -6.3221% | 6,617 |
| Net charge-offs to loans | 0.1161% | 3,839 |
| Credit loss provision to net charge-offs | 540.8163% | 674 |
| Earnings coverage of net charge-offs (x) | 4.6531% | 2,425 |
| Efficiency ratio | 90.5629% | 1,282 |
| Assets per employee ($millions) | 3.5350% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 3,975 |
| Loan loss allowance to noncurrent loans | 62.5454% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.7907% | 2,468 |
| Noncurrent loans to loans | 2.4754% | 3,019 |
| Net loans and leases to total assets | 67.3921% | 2,677 |
| Net loans and leases to deposits | 87.0952% | 1,583 |
| Net loans and leases to core deposits | 99.9769% | 1,338 |
| Total domestic deposits to total assets | 77.3775% | 6,470 |
| Equity capital to assets | 9.0732% | 5,088 |
| Core capital (leverage) ratio | 8.3681% | 5,689 |
| Tier 1 risk-based capital ratio | 10.6841% | 6,698 |
| Total risk-based capital ratio | 11.9350% | 6,687 |
| Memoranda: | ||
| Average total assets | $245,378,500 | 2,612 |
| Average earning assets | $212,699,000 | 2,748 |
| Average equity | $22,271,000 | 2,837 |
| Average total loans | $168,764,500 | 2,449 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2739% | 3,245 |
| Cost of funding earning assets | 1.5842% | 2,167 |
| Net interest margin | 3.6897% | 4,393 |
| Noninterest income to average assets | 0.8909% | 1,883 |
| Noninterest expense to average assets | 3.3901% | 2,463 |
| Loan and lease loss provision to assets | 0.9243% | 1,767 |
| Net operating income to assets | -0.0129% | 5,860 |
| Return on assets (ROA) | -0.0894% | 6,040 |
| Pretax return on assets | -0.3311% | 6,188 |
| Return on Equity (ROE) | -0.9785% | 6,065 |
| Retained earnings to average equity (ytd only) | -1.6574% | 5,913 |
| Net charge-offs to loans | 1.4063% | 1,588 |
| Credit loss provision to net charge-offs | 95.6250% | 4,866 |
| Earnings coverage of net charge-offs (x) | 0.7375% | 5,378 |
| Efficiency ratio | 82.6249% | 2,089 |
| Assets per employee ($millions) | 3.6300% | 4,633 |
| Cash dividends to net income (ytd only)* | -69.3694% | 7,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 4,568 |
| Loan loss allowance to noncurrent loans | 62.4242% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.7394% | 2,548 |
| Noncurrent loans to loans | 2.2250% | 3,300 |
| Net loans and leases to total assets | 68.1390% | 2,952 |
| Net loans and leases to deposits | 87.5236% | 1,856 |
| Net loans and leases to core deposits | 104.8075% | 1,264 |
| Total domestic deposits to total assets | 77.8521% | 6,349 |
| Equity capital to assets | 9.0791% | 5,026 |
| Core capital (leverage) ratio | 8.8266% | 4,815 |
| Tier 1 risk-based capital ratio | 10.7320% | 6,541 |
| Total risk-based capital ratio | 11.8905% | 6,579 |
| Memoranda: | ||
| Average total assets | $248,282,800 | 2,552 |
| Average earning assets | $216,140,400 | 2,673 |
| Average equity | $22,686,800 | 2,807 |
| Average total loans | $170,660,200 | 2,463 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2854% | 3,426 |
| Cost of funding earning assets | 1.5993% | 2,390 |
| Net interest margin | 3.6861% | 4,478 |
| Noninterest income to average assets | 1.0457% | 1,319 |
| Noninterest expense to average assets | 3.4571% | 2,144 |
| Loan and lease loss provision to assets | 1.0113% | 1,464 |
| Net operating income to assets | -0.0093% | 6,017 |
| Return on assets (ROA) | -0.0429% | 6,196 |
| Pretax return on assets | -0.2595% | 6,377 |
| Return on Equity (ROE) | -0.4687% | 6,207 |
| Retained earnings to average equity (ytd only) | -1.3710% | 6,074 |
| Net charge-offs to loans | 1.5639% | 1,278 |
| Credit loss provision to net charge-offs | 94.2058% | 4,601 |
| Earnings coverage of net charge-offs (x) | 0.7492% | 5,313 |
| Efficiency ratio | 81.1250% | 2,184 |
| Assets per employee ($millions) | 3.5377% | 4,885 |
| Cash dividends to net income (ytd only)* | -192.5089% | 7,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,661 |
| Loan loss allowance to noncurrent loans | 61.9548% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 2.9008% | 2,498 |
| Noncurrent loans to loans | 2.1975% | 3,450 |
| Net loans and leases to total assets | 69.9871% | 2,735 |
| Net loans and leases to deposits | 91.4311% | 1,520 |
| Net loans and leases to core deposits | 113.6101% | 855 |
| Total domestic deposits to total assets | 76.5463% | 6,559 |
| Equity capital to assets | 9.2170% | 5,288 |
| Core capital (leverage) ratio | 9.3766% | 4,094 |
| Tier 1 risk-based capital ratio | 10.9739% | 6,405 |
| Total risk-based capital ratio | 12.1135% | 6,475 |
| Memoranda: | ||
| Average total assets | $248,643,250 | 2,589 |
| Average earning assets | $216,919,750 | 2,703 |
| Average equity | $22,755,750 | 2,837 |
| Average total loans | $170,684,250 | 2,503 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 3,671 |
| Cost of funding earning assets | 1.6039% | 2,631 |
| Net interest margin | 3.6535% | 4,563 |
| Noninterest income to average assets | 1.0569% | 1,200 |
| Noninterest expense to average assets | 3.5634% | 1,875 |
| Loan and lease loss provision to assets | 1.1881% | 1,179 |
| Net operating income to assets | -0.1929% | 6,350 |
| Return on assets (ROA) | -0.2375% | 6,440 |
| Pretax return on assets | -0.5716% | 6,641 |
| Return on Equity (ROE) | -2.6005% | 6,475 |
| Retained earnings to average equity (ytd only) | -3.9490% | 6,431 |
| Net charge-offs to loans | 1.9017% | 977 |
| Credit loss provision to net charge-offs | 92.0124% | 4,368 |
| Earnings coverage of net charge-offs (x) | 0.5313% | 5,203 |
| Efficiency ratio | 83.8570% | 1,936 |
| Assets per employee ($millions) | 3.3744% | 5,250 |
| Cash dividends to net income (ytd only)* | -51.8519% | 7,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,528 |
| Loan loss allowance to noncurrent loans | 200.5988% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 1.8463% | 3,698 |
| Noncurrent loans to loans | 0.6877% | 5,875 |
| Net loans and leases to total assets | 70.9724% | 2,666 |
| Net loans and leases to deposits | 94.9415% | 1,158 |
| Net loans and leases to core deposits | 118.9247% | 731 |
| Total domestic deposits to total assets | 74.7538% | 6,880 |
| Equity capital to assets | 9.5239% | 4,671 |
| Core capital (leverage) ratio | 9.2352% | 4,238 |
| Tier 1 risk-based capital ratio | 10.9883% | 6,242 |
| Total risk-based capital ratio | 12.1339% | 6,357 |
| Memoranda: | ||
| Average total assets | $250,157,000 | 2,600 |
| Average earning assets | $218,585,670 | 2,703 |
| Average equity | $22,841,330 | 2,816 |
| Average total loans | $169,846,330 | 2,544 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 3,703 |
| Cost of funding earning assets | 1.5988% | 2,967 |
| Net interest margin | 3.6674% | 4,402 |
| Noninterest income to average assets | 1.0220% | 1,229 |
| Noninterest expense to average assets | 3.4644% | 2,069 |
| Loan and lease loss provision to assets | 0.3500% | 3,281 |
| Net operating income to assets | 0.4207% | 4,750 |
| Return on assets (ROA) | 0.3313% | 5,288 |
| Pretax return on assets | 0.3360% | 5,502 |
| Return on Equity (ROE) | 3.7021% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.2074% | 4,800 |
| Net charge-offs to loans | 0.9660% | 1,685 |
| Credit loss provision to net charge-offs | 54.8780% | 4,403 |
| Earnings coverage of net charge-offs (x) | 1.2171% | 4,038 |
| Efficiency ratio | 81.6948% | 2,317 |
| Assets per employee ($millions) | 3.6924% | 4,591 |
| Cash dividends to net income (ytd only)* | 40.3756% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,522 |
| Loan loss allowance to noncurrent loans | 264.0138% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 4,334 |
| Noncurrent loans to loans | 0.5224% | 6,243 |
| Net loans and leases to total assets | 65.1881% | 4,060 |
| Net loans and leases to deposits | 85.6773% | 2,653 |
| Net loans and leases to core deposits | 109.2724% | 1,332 |
| Total domestic deposits to total assets | 76.0857% | 6,744 |
| Equity capital to assets | 9.2228% | 4,958 |
| Core capital (leverage) ratio | 9.2955% | 4,069 |
| Tier 1 risk-based capital ratio | 11.5385% | 5,638 |
| Total risk-based capital ratio | 12.6829% | 5,707 |
| Memoranda: | ||
| Average total assets | $257,132,500 | 2,586 |
| Average earning assets | $225,663,500 | 2,681 |
| Average equity | $23,014,000 | 2,819 |
| Average total loans | $169,776,500 | 2,611 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6606% | 3,290 |
| Cost of funding earning assets | 1.7670% | 4,164 |
| Net interest margin | 3.8936% | 3,292 |
| Noninterest income to average assets | 0.8484% | 2,188 |
| Noninterest expense to average assets | 3.6890% | 1,938 |
| Loan and lease loss provision to assets | 0.9342% | 2,412 |
| Net operating income to assets | -0.1465% | 5,761 |
| Return on assets (ROA) | -0.3345% | 6,000 |
| Pretax return on assets | -0.7314% | 6,219 |
| Return on Equity (ROE) | -3.7379% | 6,088 |
| Retained earnings to average equity (ytd only) | -3.7379% | 5,830 |
| Net charge-offs to loans | 0.8732% | 2,650 |
| Credit loss provision to net charge-offs | 161.1351% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.8563% | 5,253 |
| Efficiency ratio | 88.1381% | 1,868 |
| Assets per employee ($millions) | 3.9876% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 4,098 |
| Loan loss allowance to noncurrent loans | 95.0807% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6791% | 3,851 |
| Noncurrent loans to loans | 1.4990% | 4,414 |
| Net loans and leases to total assets | 65.0172% | 4,371 |
| Net loans and leases to deposits | 87.9976% | 2,555 |
| Net loans and leases to core deposits | 122.4212% | 1,749 |
| Total domestic deposits to total assets | 73.8853% | 7,030 |
| Equity capital to assets | 8.6902% | 5,597 |
| Core capital (leverage) ratio | 9.0130% | 4,394 |
| Tier 1 risk-based capital ratio | 11.0904% | 5,840 |
| Total risk-based capital ratio | 12.2694% | 5,868 |
| Memoranda: | ||
| Average total assets | $240,092,400 | 2,716 |
| Average earning assets | $205,773,200 | 2,894 |
| Average equity | $21,482,800 | 3,015 |
| Average total loans | $159,422,600 | 2,769 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8293% | 2,756 |
| Cost of funding earning assets | 1.8013% | 4,376 |
| Net interest margin | 4.0280% | 2,690 |
| Noninterest income to average assets | 0.9138% | 1,924 |
| Noninterest expense to average assets | 3.8721% | 1,475 |
| Loan and lease loss provision to assets | 0.5167% | 3,319 |
| Net operating income to assets | 0.0899% | 5,498 |
| Return on assets (ROA) | -0.1753% | 6,030 |
| Pretax return on assets | -0.4626% | 6,256 |
| Return on Equity (ROE) | -1.9430% | 6,094 |
| Retained earnings to average equity (ytd only) | -1.9430% | 5,716 |
| Net charge-offs to loans | 0.5483% | 3,039 |
| Credit loss provision to net charge-offs | 141.6537% | 3,461 |
| Earnings coverage of net charge-offs (x) | 1.2839% | 4,813 |
| Efficiency ratio | 89.2108% | 1,765 |
| Assets per employee ($millions) | 3.9829% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,663 |
| Loan loss allowance to noncurrent loans | 63.0420% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.6404% | 3,900 |
| Noncurrent loans to loans | 1.7616% | 3,975 |
| Net loans and leases to total assets | 67.0706% | 4,169 |
| Net loans and leases to deposits | 89.5891% | 2,655 |
| Net loans and leases to core deposits | 144.5026% | 746 |
| Total domestic deposits to total assets | 74.8647% | 6,795 |
| Equity capital to assets | 9.3738% | 4,922 |
| Core capital (leverage) ratio | 10.0769% | 3,203 |
| Tier 1 risk-based capital ratio | 11.5720% | 5,371 |
| Total risk-based capital ratio | 12.4769% | 5,668 |
| Memoranda: | ||
| Average total assets | $234,320,250 | 2,789 |
| Average earning assets | $199,334,000 | 2,997 |
| Average equity | $21,135,750 | 3,081 |
| Average total loans | $155,881,500 | 2,854 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8477% | 2,820 |
| Cost of funding earning assets | 1.8902% | 4,314 |
| Net interest margin | 3.9575% | 2,868 |
| Noninterest income to average assets | 0.8681% | 2,102 |
| Noninterest expense to average assets | 4.0929% | 1,196 |
| Loan and lease loss provision to assets | 0.3794% | 3,653 |
| Net operating income to assets | -0.0398% | 5,909 |
| Return on assets (ROA) | -0.4152% | 6,473 |
| Pretax return on assets | -0.8506% | 6,715 |
| Return on Equity (ROE) | -4.6704% | 6,572 |
| Retained earnings to average equity (ytd only) | -4.6704% | 6,255 |
| Net charge-offs to loans | 0.3904% | 3,246 |
| Credit loss provision to net charge-offs | 147.1186% | 3,143 |
| Earnings coverage of net charge-offs (x) | 0.4475% | 5,253 |
| Efficiency ratio | 97.2580% | 1,302 |
| Assets per employee ($millions) | 3.6168% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 5,489 |
| Loan loss allowance to noncurrent loans | 115.0131% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0489% | 4,869 |
| Noncurrent loans to loans | 0.9699% | 5,280 |
| Net loans and leases to total assets | 67.4799% | 4,254 |
| Net loans and leases to deposits | 95.1586% | 1,924 |
| Net loans and leases to core deposits | 146.6341% | 737 |
| Total domestic deposits to total assets | 70.9131% | 7,377 |
| Equity capital to assets | 10.0607% | 3,857 |
| Core capital (leverage) ratio | 10.3671% | 2,935 |
| Tier 1 risk-based capital ratio | 11.8212% | 5,084 |
| Total risk-based capital ratio | 12.6896% | 5,368 |
| Memoranda: | ||
| Average total assets | $228,786,330 | 2,877 |
| Average earning assets | $193,102,670 | 3,104 |
| Average equity | $20,340,670 | 3,196 |
| Average total loans | $151,113,670 | 2,961 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7642% | 3,462 |
| Cost of funding earning assets | 1.9325% | 4,474 |
| Net interest margin | 3.8317% | 3,329 |
| Noninterest income to average assets | 0.8108% | 2,278 |
| Noninterest expense to average assets | 3.6422% | 1,769 |
| Loan and lease loss provision to assets | 0.4537% | 2,653 |
| Net operating income to assets | 0.0915% | 6,005 |
| Return on assets (ROA) | 0.0915% | 6,168 |
| Pretax return on assets | -0.0457% | 6,426 |
| Return on Equity (ROE) | 1.1025% | 6,094 |
| Retained earnings to average equity (ytd only) | 1.1025% | 5,198 |
| Net charge-offs to loans | 0.5092% | 2,190 |
| Credit loss provision to net charge-offs | 137.2340% | 2,955 |
| Earnings coverage of net charge-offs (x) | 1.2340% | 4,135 |
| Efficiency ratio | 89.9262% | 1,726 |
| Assets per employee ($millions) | 3.6193% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 5,238 |
| Loan loss allowance to noncurrent loans | 194.8216% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 5,899 |
| Noncurrent loans to loans | 0.5815% | 5,946 |
| Net loans and leases to total assets | 63.7815% | 5,030 |
| Net loans and leases to deposits | 86.9304% | 3,481 |
| Net loans and leases to core deposits | 109.3966% | 3,511 |
| Total domestic deposits to total assets | 73.3708% | 6,989 |
| Equity capital to assets | 8.1668% | 6,573 |
| Core capital (leverage) ratio | 8.7163% | 5,125 |
| Tier 1 risk-based capital ratio | 9.8096% | 7,135 |
| Total risk-based capital ratio | 10.6616% | 7,455 |
| Memoranda: | ||
| Average total assets | $227,442,000 | 2,898 |
| Average earning assets | $192,289,000 | 3,124 |
| Average equity | $18,867,000 | 3,434 |
| Average total loans | $147,690,000 | 3,048 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4140% | 3,341 |
| Cost of funding earning assets | 2.8565% | 2,458 |
| Net interest margin | 3.5575% | 5,067 |
| Noninterest income to average assets | 0.8321% | 2,338 |
| Noninterest expense to average assets | 3.3818% | 2,729 |
| Loan and lease loss provision to assets | 0.3382% | 3,688 |
| Net operating income to assets | 0.2791% | 5,618 |
| Return on assets (ROA) | 0.2791% | 5,430 |
| Pretax return on assets | 0.2576% | 5,613 |
| Return on Equity (ROE) | 3.4031% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.4031% | 3,026 |
| Net charge-offs to loans | 0.5063% | 2,327 |
| Credit loss provision to net charge-offs | 104.7809% | 5,103 |
| Earnings coverage of net charge-offs (x) | 1.8459% | 5,148 |
| Efficiency ratio | 85.0199% | 1,948 |
| Assets per employee ($millions) | 3.4346% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,184 |
| Loan loss allowance to noncurrent loans | 690.6383% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 6,474 |
| Noncurrent loans to loans | 0.1610% | 6,923 |
| Net loans and leases to total assets | 64.6470% | 5,144 |
| Net loans and leases to deposits | 86.6151% | 4,016 |
| Net loans and leases to core deposits | 108.4620% | 3,914 |
| Total domestic deposits to total assets | 74.6371% | 6,532 |
| Equity capital to assets | 8.4286% | 6,209 |
| Core capital (leverage) ratio | 8.5549% | 5,473 |
| Tier 1 risk-based capital ratio | 10.6609% | 6,038 |
| Total risk-based capital ratio | 11.5492% | 6,294 |
| Memoranda: | ||
| Average total assets | $233,277,000 | 2,722 |
| Average earning assets | $206,268,600 | 2,816 |
| Average equity | $19,129,400 | 3,375 |
| Average total loans | $148,727,600 | 2,951 |