Home > New Traditions Bank > Performance and Condition Ratios
New Traditions Bank, Performance and Condition Ratios
| 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 | 3.8746% | 3,728 |
| Cost of funding earning assets | 0.3002% | 4,440 |
| Net interest margin | 3.5744% | 3,103 |
| Noninterest income to average assets | 0.1684% | 5,712 |
| Noninterest expense to average assets | 4.5600% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6891% | 6,278 |
| Return on assets (ROA) | -0.6891% | 6,283 |
| Pretax return on assets | -1.0529% | 6,317 |
| Return on Equity (ROE) | -6.1737% | 6,281 |
| Retained earnings to average equity (ytd only) | -6.1737% | 5,997 |
| Net charge-offs to loans | -0.0057% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.8282% | 95 |
| Assets per employee ($millions) | 12.3234% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3222% | 6,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 4,008 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 65.9175% | 2,790 |
| Net loans and leases to deposits | 74.4488% | 3,244 |
| Net loans and leases to core deposits | 75.9139% | 3,607 |
| Total domestic deposits to total assets | 88.5408% | 1,526 |
| Equity capital to assets | 11.0929% | 2,873 |
| Core capital (leverage) ratio | 10.9579% | 2,448 |
| Tier 1 risk-based capital ratio | 14.9798% | 3,447 |
| Total risk-based capital ratio | 15.2771% | 3,913 |
| Memoranda: | ||
| Average total assets | $517,802,500 | 1,323 |
| Average earning assets | $483,661,000 | 1,311 |
| Average equity | $57,794,000 | 1,320 |
| Average total loans | $349,802,000 | 1,296 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,500 |
| Cost of funding earning assets | 0.3423% | 4,339 |
| Net interest margin | 3.4556% | 3,955 |
| Noninterest income to average assets | 0.1676% | 5,855 |
| Noninterest expense to average assets | 1.5485% | 6,273 |
| Loan and lease loss provision to assets | 0.1959% | 1,304 |
| Net operating income to assets | 0.9379% | 2,688 |
| Return on assets (ROA) | 0.9379% | 2,778 |
| Pretax return on assets | 1.5617% | 1,349 |
| Return on Equity (ROE) | 8.9845% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.9845% | 708 |
| Net charge-offs to loans | 0.0494% | 3,837 |
| Credit loss provision to net charge-offs | 613.3333% | 430 |
| Earnings coverage of net charge-offs (x) | 55.0242% | 852 |
| Efficiency ratio | 43.4419% | 6,337 |
| Assets per employee ($millions) | 11.4932% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3219% | 6,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 4,035 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.8255% | 2,433 |
| Net loans and leases to deposits | 77.7501% | 3,004 |
| Net loans and leases to core deposits | 80.4760% | 3,240 |
| Total domestic deposits to total assets | 88.5214% | 1,517 |
| Equity capital to assets | 11.2332% | 2,662 |
| Core capital (leverage) ratio | 9.9935% | 3,581 |
| Tier 1 risk-based capital ratio | 13.9449% | 4,128 |
| Total risk-based capital ratio | 14.2468% | 4,642 |
| Memoranda: | ||
| Average total assets | $516,567,600 | 1,302 |
| Average earning assets | $469,155,800 | 1,307 |
| Average equity | $53,926,400 | 1,353 |
| Average total loans | $333,862,200 | 1,307 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 4,661 |
| Cost of funding earning assets | 0.3354% | 4,517 |
| Net interest margin | 3.4320% | 4,101 |
| Noninterest income to average assets | 0.1636% | 5,937 |
| Noninterest expense to average assets | 1.5829% | 6,302 |
| Loan and lease loss provision to assets | 0.2598% | 821 |
| Net operating income to assets | 0.8540% | 3,152 |
| Return on assets (ROA) | 0.8540% | 3,252 |
| Pretax return on assets | 1.4240% | 1,911 |
| Return on Equity (ROE) | 8.3346% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.3346% | 1,210 |
| Net charge-offs to loans | 0.0869% | 2,966 |
| Credit loss provision to net charge-offs | 470.6977% | 607 |
| Earnings coverage of net charge-offs (x) | 30.5023% | 1,352 |
| Efficiency ratio | 45.0365% | 6,324 |
| Assets per employee ($millions) | 11.8794% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3138% | 6,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 4,344 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 65.2793% | 2,985 |
| Net loans and leases to deposits | 73.2362% | 3,528 |
| Net loans and leases to core deposits | 75.6497% | 3,790 |
| Total domestic deposits to total assets | 89.1353% | 1,159 |
| Equity capital to assets | 10.5544% | 3,493 |
| Core capital (leverage) ratio | 10.0536% | 3,596 |
| Tier 1 risk-based capital ratio | 13.5779% | 4,489 |
| Total risk-based capital ratio | 13.8688% | 5,014 |
| Memoranda: | ||
| Average total assets | $519,284,750 | 1,306 |
| Average earning assets | $469,531,750 | 1,315 |
| Average equity | $53,206,500 | 1,378 |
| Average total loans | $330,034,250 | 1,330 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 4,668 |
| Cost of funding earning assets | 0.3452% | 4,478 |
| Net interest margin | 3.4114% | 4,131 |
| Noninterest income to average assets | 0.1606% | 5,993 |
| Noninterest expense to average assets | 1.6574% | 6,309 |
| Loan and lease loss provision to assets | 0.3404% | 537 |
| Net operating income to assets | 0.7446% | 3,595 |
| Return on assets (ROA) | 0.7446% | 3,700 |
| Pretax return on assets | 1.2487% | 2,460 |
| Return on Equity (ROE) | 7.3412% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.3412% | 1,589 |
| Net charge-offs to loans | 0.1319% | 2,346 |
| Credit loss provision to net charge-offs | 410.2326% | 680 |
| Earnings coverage of net charge-offs (x) | 19.1488% | 1,642 |
| Efficiency ratio | 47.6043% | 6,307 |
| Assets per employee ($millions) | 11.2646% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2865% | 6,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 4,448 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 63.3958% | 3,180 |
| Net loans and leases to deposits | 71.1543% | 3,687 |
| Net loans and leases to core deposits | 73.6565% | 3,874 |
| Total domestic deposits to total assets | 89.0963% | 1,306 |
| Equity capital to assets | 10.3535% | 3,618 |
| Core capital (leverage) ratio | 9.5568% | 4,246 |
| Tier 1 risk-based capital ratio | 13.7058% | 4,445 |
| Total risk-based capital ratio | 13.9716% | 5,021 |
| Memoranda: | ||
| Average total assets | $518,148,330 | 1,296 |
| Average earning assets | $468,720,000 | 1,312 |
| Average equity | $52,553,000 | 1,384 |
| Average total loans | $325,950,670 | 1,336 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 5,042 |
| Cost of funding earning assets | 0.3665% | 4,360 |
| Net interest margin | 3.2715% | 4,662 |
| Noninterest income to average assets | 0.1521% | 6,061 |
| Noninterest expense to average assets | 1.6814% | 6,361 |
| Loan and lease loss provision to assets | 0.2277% | 975 |
| Net operating income to assets | 0.7133% | 3,613 |
| Return on assets (ROA) | 0.7133% | 3,700 |
| Pretax return on assets | 1.1989% | 2,488 |
| Return on Equity (ROE) | 7.1070% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.1070% | 1,979 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4968% | 6,227 |
| Assets per employee ($millions) | 11.2560% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1739% | 6,645 |
| Loan loss allowance to noncurrent loans | 266.0465% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 4,504 |
| Noncurrent loans to loans | 0.0654% | 5,949 |
| Net loans and leases to total assets | 62.0570% | 3,232 |
| Net loans and leases to deposits | 69.1676% | 3,715 |
| Net loans and leases to core deposits | 71.6894% | 3,900 |
| Total domestic deposits to total assets | 89.7197% | 1,233 |
| Equity capital to assets | 9.9282% | 3,926 |
| Core capital (leverage) ratio | 9.1749% | 4,754 |
| Tier 1 risk-based capital ratio | 13.2654% | 4,846 |
| Total risk-based capital ratio | 13.4254% | 5,450 |
| Memoranda: | ||
| Average total assets | $518,136,000 | 1,300 |
| Average earning assets | $468,165,500 | 1,321 |
| Average equity | $52,005,000 | 1,392 |
| Average total loans | $324,204,000 | 1,344 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5633% | 6,785 |
| Cost of funding earning assets | 0.0729% | 6,723 |
| Net interest margin | 0.4904% | 6,784 |
| Noninterest income to average assets | 0.0267% | 6,598 |
| Noninterest expense to average assets | 0.3694% | 6,793 |
| Loan and lease loss provision to assets | 0.0560% | 4,028 |
| Net operating income to assets | 0.0382% | 6,153 |
| Return on assets (ROA) | 0.0382% | 6,197 |
| Pretax return on assets | 0.0653% | 6,134 |
| Return on Equity (ROE) | 0.4052% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.4052% | 5,665 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2696% | 3,620 |
| Assets per employee ($millions) | 11.2720% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0867% | 6,731 |
| Loan loss allowance to noncurrent loans | 128.8372% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 4,510 |
| Noncurrent loans to loans | 0.0673% | 6,018 |
| Net loans and leases to total assets | 62.9402% | 3,211 |
| Net loans and leases to deposits | 70.2878% | 3,747 |
| Net loans and leases to core deposits | 72.8657% | 3,970 |
| Total domestic deposits to total assets | 89.5464% | 1,303 |
| Equity capital to assets | 10.1504% | 3,566 |
| Core capital (leverage) ratio | 8.9149% | 5,124 |
| Tier 1 risk-based capital ratio | 12.9757% | 4,985 |
| Total risk-based capital ratio | 13.0535% | 5,673 |
| Memoranda: | ||
| Average total assets | $494,284,800 | 1,342 |
| Average earning assets | $467,817,400 | 1,301 |
| Average equity | $46,639,400 | 1,501 |
| Average total loans | $283,709,000 | 1,490 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0696% | 6,350 |
| Cost of funding earning assets | 0.4860% | 3,902 |
| Net interest margin | 2.5836% | 6,335 |
| Noninterest income to average assets | 0.1711% | 6,162 |
| Noninterest expense to average assets | 1.4869% | 6,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6927% | 3,897 |
| Return on assets (ROA) | 0.6899% | 4,044 |
| Pretax return on assets | 1.1466% | 2,909 |
| Return on Equity (ROE) | 7.4579% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.4579% | 1,663 |
| Net charge-offs to loans | 0.0141% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 146.1562% | 376 |
| Efficiency ratio | 56.3664% | 5,860 |
| Assets per employee ($millions) | 11.4781% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 3,519 |
| Loan loss allowance to noncurrent loans | 1,291.4706% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 5,020 |
| Noncurrent loans to loans | 0.1148% | 5,986 |
| Net loans and leases to total assets | 56.4744% | 4,251 |
| Net loans and leases to deposits | 62.2533% | 4,723 |
| Net loans and leases to core deposits | 64.6265% | 4,830 |
| Total domestic deposits to total assets | 90.7170% | 646 |
| Equity capital to assets | 9.0726% | 5,096 |
| Core capital (leverage) ratio | 9.3412% | 4,627 |
| Tier 1 risk-based capital ratio | 14.1771% | 4,295 |
| Total risk-based capital ratio | 15.4281% | 4,246 |
| Memoranda: | ||
| Average total assets | $491,045,500 | 1,360 |
| Average earning assets | $468,845,250 | 1,307 |
| Average equity | $45,427,500 | 1,553 |
| Average total loans | $274,752,250 | 1,535 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0536% | 6,393 |
| Cost of funding earning assets | 0.4997% | 3,906 |
| Net interest margin | 2.5539% | 6,381 |
| Noninterest income to average assets | 0.1774% | 6,147 |
| Noninterest expense to average assets | 1.5219% | 6,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6628% | 4,005 |
| Return on assets (ROA) | 0.6586% | 4,181 |
| Pretax return on assets | 1.1062% | 3,073 |
| Return on Equity (ROE) | 7.0701% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.0701% | 1,863 |
| Net charge-offs to loans | 0.0217% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 92.5862% | 499 |
| Efficiency ratio | 57.7631% | 5,769 |
| Assets per employee ($millions) | 10.8684% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 3,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 5,136 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 56.2896% | 4,235 |
| Net loans and leases to deposits | 62.4115% | 4,685 |
| Net loans and leases to core deposits | 65.3408% | 4,759 |
| Total domestic deposits to total assets | 90.1911% | 919 |
| Equity capital to assets | 9.5851% | 4,470 |
| Core capital (leverage) ratio | 9.4399% | 4,336 |
| Tier 1 risk-based capital ratio | 15.0638% | 3,744 |
| Total risk-based capital ratio | 16.3163% | 3,705 |
| Memoranda: | ||
| Average total assets | $482,556,000 | 1,380 |
| Average earning assets | $464,305,670 | 1,315 |
| Average equity | $44,949,670 | 1,578 |
| Average total loans | $267,640,000 | 1,565 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9799% | 6,534 |
| Cost of funding earning assets | 0.5084% | 3,995 |
| Net interest margin | 2.4715% | 6,540 |
| Noninterest income to average assets | 0.1725% | 6,226 |
| Noninterest expense to average assets | 1.5299% | 6,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6059% | 4,183 |
| Return on assets (ROA) | 0.5974% | 4,375 |
| Pretax return on assets | 1.0084% | 3,308 |
| Return on Equity (ROE) | 6.5070% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.5070% | 2,406 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9612% | 5,593 |
| Assets per employee ($millions) | 11.5661% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 3,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 5,346 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.9580% | 4,565 |
| Net loans and leases to deposits | 58.3698% | 4,992 |
| Net loans and leases to core deposits | 61.0686% | 5,048 |
| Total domestic deposits to total assets | 90.7285% | 657 |
| Equity capital to assets | 9.0286% | 5,447 |
| Core capital (leverage) ratio | 9.3302% | 4,352 |
| Tier 1 risk-based capital ratio | 15.1225% | 3,756 |
| Total risk-based capital ratio | 16.3753% | 3,708 |
| Memoranda: | ||
| Average total assets | $484,729,500 | 1,384 |
| Average earning assets | $466,592,500 | 1,319 |
| Average equity | $44,506,000 | 1,610 |
| Average total loans | $264,673,500 | 1,589 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4277% | 6,452 |
| Cost of funding earning assets | 0.6783% | 3,661 |
| Net interest margin | 2.7494% | 6,451 |
| Noninterest income to average assets | 0.1657% | 6,206 |
| Noninterest expense to average assets | 1.6429% | 6,764 |
| Loan and lease loss provision to assets | 0.0758% | 4,777 |
| Net operating income to assets | 0.6382% | 4,046 |
| Return on assets (ROA) | 1.1754% | 1,848 |
| Pretax return on assets | 1.9165% | 723 |
| Return on Equity (ROE) | 12.5660% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.5660% | 283 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7628% | 5,731 |
| Assets per employee ($millions) | 11.2409% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 2,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 5,375 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.4620% | 4,555 |
| Net loans and leases to deposits | 60.2240% | 5,005 |
| Net loans and leases to core deposits | 63.3617% | 5,031 |
| Total domestic deposits to total assets | 90.4325% | 737 |
| Equity capital to assets | 9.3428% | 5,093 |
| Core capital (leverage) ratio | 9.6323% | 3,916 |
| Tier 1 risk-based capital ratio | 15.3266% | 3,524 |
| Total risk-based capital ratio | 16.5803% | 3,481 |
| Memoranda: | ||
| Average total assets | $453,894,800 | 1,450 |
| Average earning assets | $434,202,400 | 1,389 |
| Average equity | $42,455,800 | 1,638 |
| Average total loans | $234,550,600 | 1,740 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4845% | 6,523 |
| Cost of funding earning assets | 0.7030% | 3,744 |
| Net interest margin | 2.7815% | 6,527 |
| Noninterest income to average assets | 0.1582% | 6,357 |
| Noninterest expense to average assets | 1.5038% | 6,936 |
| Loan and lease loss provision to assets | 0.1021% | 4,301 |
| Net operating income to assets | 0.7432% | 3,722 |
| Return on assets (ROA) | 1.0365% | 2,555 |
| Pretax return on assets | 1.6673% | 1,369 |
| Return on Equity (ROE) | 11.0774% | 1,928 |
| Retained earnings to average equity (ytd only) | 11.0774% | 669 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4205% | 6,310 |
| Assets per employee ($millions) | 10.8374% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 2,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 5,508 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 53.6324% | 4,804 |
| Net loans and leases to deposits | 61.0590% | 5,078 |
| Net loans and leases to core deposits | 66.2067% | 4,934 |
| Total domestic deposits to total assets | 87.8370% | 2,140 |
| Equity capital to assets | 9.8214% | 4,748 |
| Core capital (leverage) ratio | 9.4515% | 4,351 |
| Tier 1 risk-based capital ratio | 14.1518% | 4,417 |
| Total risk-based capital ratio | 15.4048% | 4,375 |
| Memoranda: | ||
| Average total assets | $449,339,000 | 1,483 |
| Average earning assets | $429,210,500 | 1,420 |
| Average equity | $42,042,500 | 1,674 |
| Average total loans | $227,802,000 | 1,802 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 6,656 |
| Cost of funding earning assets | 0.7170% | 3,882 |
| Net interest margin | 2.7420% | 6,658 |
| Noninterest income to average assets | 0.1618% | 6,372 |
| Noninterest expense to average assets | 1.4193% | 7,047 |
| Loan and lease loss provision to assets | 0.1538% | 3,596 |
| Net operating income to assets | 0.7365% | 3,671 |
| Return on assets (ROA) | 1.1533% | 2,080 |
| Pretax return on assets | 1.8538% | 931 |
| Return on Equity (ROE) | 12.5379% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.5379% | 501 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1354% | 6,571 |
| Assets per employee ($millions) | 11.6388% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8693% | 2,645 |
| Loan loss allowance to noncurrent loans | 20,090.9091% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 5,590 |
| Noncurrent loans to loans | 0.0093% | 6,690 |
| Net loans and leases to total assets | 51.1176% | 5,207 |
| Net loans and leases to deposits | 60.9332% | 5,150 |
| Net loans and leases to core deposits | 66.4264% | 4,949 |
| Total domestic deposits to total assets | 83.8912% | 4,354 |
| Equity capital to assets | 9.4571% | 5,122 |
| Core capital (leverage) ratio | 9.2205% | 4,576 |
| Tier 1 risk-based capital ratio | 14.3855% | 4,183 |
| Total risk-based capital ratio | 15.6391% | 4,145 |
| Memoranda: | ||
| Average total assets | $447,395,670 | 1,492 |
| Average earning assets | $426,477,000 | 1,433 |
| Average equity | $41,155,330 | 1,699 |
| Average total loans | $220,890,000 | 1,840 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3863% | 6,827 |
| Cost of funding earning assets | 0.7259% | 4,070 |
| Net interest margin | 2.6604% | 6,819 |
| Noninterest income to average assets | 0.1513% | 6,482 |
| Noninterest expense to average assets | 1.3798% | 7,124 |
| Loan and lease loss provision to assets | 0.2882% | 2,156 |
| Net operating income to assets | 0.6165% | 4,278 |
| Return on assets (ROA) | 1.4563% | 1,239 |
| Pretax return on assets | 2.3371% | 431 |
| Return on Equity (ROE) | 16.0618% | 801 |
| Retained earnings to average equity (ytd only) | 16.0618% | 365 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2375% | 6,599 |
| Assets per employee ($millions) | 11.4642% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 2,391 |
| Loan loss allowance to noncurrent loans | 2,198.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 5,570 |
| Noncurrent loans to loans | 0.0904% | 6,533 |
| Net loans and leases to total assets | 48.4731% | 5,494 |
| Net loans and leases to deposits | 57.7558% | 5,408 |
| Net loans and leases to core deposits | 63.1474% | 5,208 |
| Total domestic deposits to total assets | 83.9277% | 4,526 |
| Equity capital to assets | 9.0927% | 5,368 |
| Core capital (leverage) ratio | 9.1668% | 4,574 |
| Tier 1 risk-based capital ratio | 15.1089% | 3,683 |
| Total risk-based capital ratio | 16.3640% | 3,639 |
| Memoranda: | ||
| Average total assets | $444,136,500 | 1,499 |
| Average earning assets | $424,298,500 | 1,443 |
| Average equity | $40,269,500 | 1,723 |
| Average total loans | $213,110,000 | 1,924 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 7,004 |
| Cost of funding earning assets | 0.9048% | 4,082 |
| Net interest margin | 2.5797% | 7,012 |
| Noninterest income to average assets | 0.1161% | 6,566 |
| Noninterest expense to average assets | 1.5361% | 7,148 |
| Loan and lease loss provision to assets | 0.2964% | 3,297 |
| Net operating income to assets | 0.4488% | 4,651 |
| Return on assets (ROA) | 0.6994% | 3,678 |
| Pretax return on assets | 1.1571% | 2,624 |
| Return on Equity (ROE) | 7.1608% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.1608% | 1,423 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1283% | 5,880 |
| Assets per employee ($millions) | 12.6048% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9873% | 2,321 |
| Loan loss allowance to noncurrent loans | 2,038.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 5,653 |
| Noncurrent loans to loans | 0.0975% | 6,569 |
| Net loans and leases to total assets | 45.5660% | 6,047 |
| Net loans and leases to deposits | 56.4521% | 5,846 |
| Net loans and leases to core deposits | 62.1245% | 5,641 |
| Total domestic deposits to total assets | 80.7162% | 5,539 |
| Equity capital to assets | 9.0408% | 5,506 |
| Core capital (leverage) ratio | 9.0627% | 4,677 |
| Tier 1 risk-based capital ratio | 15.8642% | 3,119 |
| Total risk-based capital ratio | 17.1195% | 3,081 |
| Memoranda: | ||
| Average total assets | $378,877,200 | 1,710 |
| Average earning assets | $364,494,600 | 1,622 |
| Average equity | $37,007,000 | 1,824 |
| Average total loans | $170,205,400 | 2,376 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 7,053 |
| Cost of funding earning assets | 0.9564% | 3,992 |
| Net interest margin | 2.6122% | 7,067 |
| Noninterest income to average assets | 0.0995% | 6,752 |
| Noninterest expense to average assets | 1.5234% | 7,214 |
| Loan and lease loss provision to assets | 0.2745% | 3,315 |
| Net operating income to assets | 0.4794% | 4,636 |
| Return on assets (ROA) | 0.8044% | 3,302 |
| Pretax return on assets | 1.3274% | 2,191 |
| Return on Equity (ROE) | 8.0540% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.0540% | 1,493 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2025% | 5,975 |
| Assets per employee ($millions) | 11.1514% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1027% | 2,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 5,672 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 46.8242% | 6,068 |
| Net loans and leases to deposits | 52.5334% | 6,328 |
| Net loans and leases to core deposits | 57.3834% | 6,184 |
| Total domestic deposits to total assets | 89.1322% | 1,348 |
| Equity capital to assets | 10.6208% | 3,550 |
| Core capital (leverage) ratio | 10.1441% | 3,253 |
| Tier 1 risk-based capital ratio | 18.1369% | 2,206 |
| Total risk-based capital ratio | 19.3936% | 2,168 |
| Memoranda: | ||
| Average total assets | $363,304,250 | 1,797 |
| Average earning assets | $350,190,750 | 1,700 |
| Average equity | $36,287,500 | 1,862 |
| Average total loans | $161,482,000 | 2,488 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 7,130 |
| Cost of funding earning assets | 0.9634% | 4,228 |
| Net interest margin | 2.5913% | 7,131 |
| Noninterest income to average assets | 0.0774% | 6,937 |
| Noninterest expense to average assets | 1.5044% | 7,302 |
| Loan and lease loss provision to assets | 0.2610% | 3,312 |
| Net operating income to assets | 0.4836% | 4,572 |
| Return on assets (ROA) | 0.4882% | 4,691 |
| Pretax return on assets | 0.8221% | 3,938 |
| Return on Equity (ROE) | 4.9950% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.9950% | 3,015 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3030% | 6,122 |
| Assets per employee ($millions) | 11.2752% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0417% | 2,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 5,776 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 44.1643% | 6,423 |
| Net loans and leases to deposits | 53.1052% | 6,382 |
| Net loans and leases to core deposits | 58.1503% | 6,260 |
| Total domestic deposits to total assets | 83.1639% | 4,694 |
| Equity capital to assets | 10.0137% | 4,132 |
| Core capital (leverage) ratio | 9.9999% | 3,262 |
| Tier 1 risk-based capital ratio | 17.7202% | 2,258 |
| Total risk-based capital ratio | 18.9756% | 2,218 |
| Memoranda: | ||
| Average total assets | $361,740,330 | 1,812 |
| Average earning assets | $349,395,330 | 1,713 |
| Average equity | $35,355,330 | 1,895 |
| Average total loans | $156,638,670 | 2,592 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 7,242 |
| Cost of funding earning assets | 1.0105% | 4,127 |
| Net interest margin | 2.4320% | 7,238 |
| Noninterest income to average assets | 0.0651% | 7,067 |
| Noninterest expense to average assets | 1.4684% | 7,384 |
| Loan and lease loss provision to assets | 0.2625% | 3,036 |
| Net operating income to assets | 0.4070% | 4,915 |
| Return on assets (ROA) | 0.4027% | 5,021 |
| Pretax return on assets | 0.6843% | 4,366 |
| Return on Equity (ROE) | 4.1740% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.1740% | 3,661 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6299% | 5,885 |
| Assets per employee ($millions) | 11.3099% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0568% | 2,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.9338% | 6,622 |
| Net loans and leases to deposits | 50.4069% | 6,597 |
| Net loans and leases to core deposits | 55.2401% | 6,469 |
| Total domestic deposits to total assets | 83.1907% | 4,857 |
| Equity capital to assets | 9.6898% | 4,189 |
| Core capital (leverage) ratio | 9.8739% | 3,307 |
| Tier 1 risk-based capital ratio | 18.6075% | 1,922 |
| Total risk-based capital ratio | 19.8626% | 1,877 |
| Memoranda: | ||
| Average total assets | $356,570,000 | 1,847 |
| Average earning assets | $345,559,500 | 1,742 |
| Average equity | $34,403,500 | 1,924 |
| Average total loans | $151,082,000 | 2,699 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3517% | 7,427 |
| Cost of funding earning assets | 1.2032% | 4,544 |
| Net interest margin | 2.1485% | 7,411 |
| Noninterest income to average assets | 0.0505% | 7,102 |
| Noninterest expense to average assets | 1.4846% | 7,454 |
| Loan and lease loss provision to assets | 0.5478% | 2,946 |
| Net operating income to assets | 0.0365% | 5,741 |
| Return on assets (ROA) | 0.3198% | 5,030 |
| Pretax return on assets | 0.5434% | 4,493 |
| Return on Equity (ROE) | 3.1773% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.1773% | 3,643 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5952% | 4,267 |
| Assets per employee ($millions) | 12.1111% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 2,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 41.0732% | 6,899 |
| Net loans and leases to deposits | 50.2606% | 6,841 |
| Net loans and leases to core deposits | 55.7032% | 6,707 |
| Total domestic deposits to total assets | 81.7204% | 5,285 |
| Equity capital to assets | 9.6059% | 4,266 |
| Core capital (leverage) ratio | 9.9796% | 3,119 |
| Tier 1 risk-based capital ratio | 19.0170% | 1,718 |
| Total risk-based capital ratio | 20.2716% | 1,683 |
| Memoranda: | ||
| Average total assets | $312,680,000 | 2,073 |
| Average earning assets | $303,097,600 | 1,963 |
| Average equity | $31,473,000 | 2,085 |
| Average total loans | $111,623,800 | 3,507 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 7,567 |
| Cost of funding earning assets | 1.2283% | 4,696 |
| Net interest margin | 2.1489% | 7,534 |
| Noninterest income to average assets | 0.0471% | 7,287 |
| Noninterest expense to average assets | 1.5065% | 7,546 |
| Loan and lease loss provision to assets | 0.5214% | 2,849 |
| Net operating income to assets | 0.0261% | 5,942 |
| Return on assets (ROA) | 0.4158% | 4,854 |
| Pretax return on assets | 0.7088% | 4,201 |
| Return on Equity (ROE) | 4.0767% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.0767% | 3,603 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8023% | 3,919 |
| Assets per employee ($millions) | 12.0330% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 2,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 35.2369% | 7,296 |
| Net loans and leases to deposits | 43.0096% | 7,271 |
| Net loans and leases to core deposits | 46.7627% | 7,242 |
| Total domestic deposits to total assets | 81.9280% | 5,025 |
| Equity capital to assets | 10.5252% | 3,486 |
| Core capital (leverage) ratio | 11.4383% | 1,975 |
| Tier 1 risk-based capital ratio | 21.1601% | 1,333 |
| Total risk-based capital ratio | 22.4130% | 1,312 |
| Memoranda: | ||
| Average total assets | $303,044,500 | 2,165 |
| Average earning assets | $293,410,500 | 2,053 |
| Average equity | $30,906,750 | 2,141 |
| Average total loans | $102,727,000 | 3,774 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 7,615 |
| Cost of funding earning assets | 1.2757% | 4,679 |
| Net interest margin | 2.2001% | 7,582 |
| Noninterest income to average assets | 0.0439% | 7,359 |
| Noninterest expense to average assets | 1.5150% | 7,609 |
| Loan and lease loss provision to assets | 0.4332% | 3,148 |
| Net operating income to assets | 0.1110% | 5,832 |
| Return on assets (ROA) | 0.3242% | 5,258 |
| Pretax return on assets | 0.5498% | 4,742 |
| Return on Equity (ROE) | 3.2190% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.2190% | 4,058 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9810% | 4,191 |
| Assets per employee ($millions) | 10.8532% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 3,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 37.0701% | 7,315 |
| Net loans and leases to deposits | 42.1371% | 7,389 |
| Net loans and leases to core deposits | 45.9840% | 7,354 |
| Total domestic deposits to total assets | 87.9749% | 2,018 |
| Equity capital to assets | 11.7913% | 2,222 |
| Core capital (leverage) ratio | 11.6844% | 1,818 |
| Tier 1 risk-based capital ratio | 21.8281% | 1,235 |
| Total risk-based capital ratio | 23.0614% | 1,207 |
| Memoranda: | ||
| Average total assets | $291,751,000 | 2,256 |
| Average earning assets | $281,260,330 | 2,149 |
| Average equity | $29,388,330 | 2,231 |
| Average total loans | $96,587,000 | 3,997 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 7,724 |
| Cost of funding earning assets | 1.2733% | 4,976 |
| Net interest margin | 2.1654% | 7,665 |
| Noninterest income to average assets | 0.0412% | 7,507 |
| Noninterest expense to average assets | 1.4757% | 7,722 |
| Loan and lease loss provision to assets | 0.2253% | 4,241 |
| Net operating income to assets | 0.2472% | 5,506 |
| Return on assets (ROA) | 0.2542% | 5,604 |
| Pretax return on assets | 0.4356% | 5,177 |
| Return on Equity (ROE) | 2.7606% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.7606% | 4,481 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4247% | 4,423 |
| Assets per employee ($millions) | 11.9749% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 4,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 30.2704% | 7,616 |
| Net loans and leases to deposits | 39.8984% | 7,520 |
| Net loans and leases to core deposits | 42.1271% | 7,522 |
| Total domestic deposits to total assets | 75.8687% | 6,784 |
| Equity capital to assets | 9.5739% | 4,415 |
| Core capital (leverage) ratio | 9.9135% | 3,271 |
| Tier 1 risk-based capital ratio | 20.6311% | 1,402 |
| Total risk-based capital ratio | 21.6351% | 1,411 |
| Memoranda: | ||
| Average total assets | $291,108,000 | 2,307 |
| Average earning assets | $280,226,000 | 2,206 |
| Average equity | $26,806,000 | 2,449 |
| Average total loans | $89,630,000 | 4,207 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 7,823 |
| Cost of funding earning assets | 1.5396% | 5,340 |
| Net interest margin | 2.0042% | 7,743 |
| Noninterest income to average assets | 0.0433% | 7,526 |
| Noninterest expense to average assets | 1.8052% | 7,601 |
| Loan and lease loss provision to assets | 0.3863% | 4,475 |
| Net operating income to assets | -0.1658% | 5,788 |
| Return on assets (ROA) | -0.1658% | 5,793 |
| Pretax return on assets | -0.2240% | 5,730 |
| Return on Equity (ROE) | -1.6347% | 5,800 |
| Retained earnings to average equity (ytd only) | -1.6347% | 5,423 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7510% | 1,585 |
| Assets per employee ($millions) | 10.8348% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 3,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 30.4095% | 7,700 |
| Net loans and leases to deposits | 38.4298% | 7,668 |
| Net loans and leases to core deposits | 41.3369% | 7,740 |
| Total domestic deposits to total assets | 79.1301% | 5,944 |
| Equity capital to assets | 8.7880% | 5,458 |
| Core capital (leverage) ratio | 9.0211% | 4,382 |
| Tier 1 risk-based capital ratio | 19.7591% | 1,501 |
| Total risk-based capital ratio | 20.7703% | 1,518 |
| Memoranda: | ||
| Average total assets | $200,864,800 | 3,173 |
| Average earning assets | $192,843,200 | 3,063 |
| Average equity | $20,371,200 | 3,151 |
| Average total loans | $57,063,200 | 5,384 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 7,945 |
| Cost of funding earning assets | 1.5920% | 5,438 |
| Net interest margin | 1.8271% | 7,877 |
| Noninterest income to average assets | 0.0422% | 7,677 |
| Noninterest expense to average assets | 1.9080% | 7,535 |
| Loan and lease loss provision to assets | 0.4530% | 3,648 |
| Net operating income to assets | -0.3832% | 6,297 |
| Return on assets (ROA) | -0.3832% | 6,294 |
| Pretax return on assets | -0.5672% | 6,364 |
| Return on Equity (ROE) | -3.6009% | 6,304 |
| Retained earnings to average equity (ytd only) | -3.6009% | 6,045 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3640% | 847 |
| Assets per employee ($millions) | 11.5626% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 27.8099% | 7,849 |
| Net loans and leases to deposits | 34.9766% | 7,844 |
| Net loans and leases to core deposits | 37.1431% | 7,885 |
| Total domestic deposits to total assets | 79.5099% | 5,619 |
| Equity capital to assets | 8.5570% | 6,173 |
| Core capital (leverage) ratio | 9.2144% | 4,314 |
| Tier 1 risk-based capital ratio | 19.7573% | 1,602 |
| Total risk-based capital ratio | 20.7679% | 1,603 |
| Memoranda: | ||
| Average total assets | $183,363,750 | 3,411 |
| Average earning assets | $175,792,000 | 3,301 |
| Average equity | $19,513,000 | 3,313 |
| Average total loans | $50,426,500 | 5,693 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4162% | 8,042 |
| Cost of funding earning assets | 1.6330% | 5,592 |
| Net interest margin | 1.7832% | 7,948 |
| Noninterest income to average assets | 0.0388% | 7,793 |
| Noninterest expense to average assets | 2.1617% | 7,147 |
| Loan and lease loss provision to assets | 0.4684% | 3,178 |
| Net operating income to assets | -0.5824% | 6,635 |
| Return on assets (ROA) | -0.5824% | 6,645 |
| Pretax return on assets | -0.8817% | 6,735 |
| Return on Equity (ROE) | -4.9569% | 6,601 |
| Retained earnings to average equity (ytd only) | -4.9569% | 6,293 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6390% | 608 |
| Assets per employee ($millions) | 9.8484% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 3,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 26.1478% | 7,960 |
| Net loans and leases to deposits | 34.2993% | 7,932 |
| Net loans and leases to core deposits | 36.2584% | 7,976 |
| Total domestic deposits to total assets | 76.2341% | 6,503 |
| Equity capital to assets | 9.0612% | 5,228 |
| Core capital (leverage) ratio | 9.5241% | 3,852 |
| Tier 1 risk-based capital ratio | 21.2668% | 1,353 |
| Total risk-based capital ratio | 22.2614% | 1,365 |
| Memoranda: | ||
| Average total assets | $159,692,670 | 3,830 |
| Average earning assets | $153,092,000 | 3,679 |
| Average equity | $18,761,670 | 3,429 |
| Average total loans | $43,292,330 | 6,050 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2962% | 8,117 |
| Cost of funding earning assets | 1.6435% | 5,843 |
| Net interest margin | 1.6527% | 8,017 |
| Noninterest income to average assets | 0.0294% | 7,930 |
| Noninterest expense to average assets | 2.3272% | 6,443 |
| Loan and lease loss provision to assets | 0.6347% | 1,988 |
| Net operating income to assets | -0.8756% | 7,172 |
| Return on assets (ROA) | -0.8756% | 7,203 |
| Pretax return on assets | -1.3575% | 7,321 |
| Return on Equity (ROE) | -6.3497% | 7,092 |
| Retained earnings to average equity (ytd only) | -6.3497% | 6,727 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.0549% | 384 |
| Assets per employee ($millions) | 8.2621% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 2,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 28.2127% | 7,954 |
| Net loans and leases to deposits | 32.0619% | 8,014 |
| Net loans and leases to core deposits | 33.1066% | 8,058 |
| Total domestic deposits to total assets | 87.9946% | 1,748 |
| Equity capital to assets | 11.8736% | 2,343 |
| Core capital (leverage) ratio | 13.7157% | 1,261 |
| Tier 1 risk-based capital ratio | 26.6555% | 837 |
| Total risk-based capital ratio | 27.6722% | 838 |
| Memoranda: | ||
| Average total assets | $136,130,500 | 4,282 |
| Average earning assets | $129,725,000 | 4,163 |
| Average equity | $18,772,500 | 3,445 |
| Average total loans | $37,480,500 | 6,355 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0056% | 8,256 |
| Cost of funding earning assets | 0.5179% | 8,189 |
| Net interest margin | 0.4877% | 8,266 |
| Noninterest income to average assets | 0.0044% | 8,093 |
| Noninterest expense to average assets | 1.8918% | 7,630 |
| Loan and lease loss provision to assets | 0.5160% | 2,744 |
| Net operating income to assets | -1.2167% | 7,353 |
| Return on assets (ROA) | -1.2167% | 7,293 |
| Pretax return on assets | -1.9363% | 7,422 |
| Return on Equity (ROE) | -5.7503% | 6,941 |
| Retained earnings to average equity (ytd only) | -5.7503% | 6,633 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 401.1792% | 67 |
| Assets per employee ($millions) | 6.4046% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 2,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 25.6146% | 8,077 |
| Net loans and leases to deposits | 30.6999% | 8,109 |
| Net loans and leases to core deposits | 31.3561% | 8,145 |
| Total domestic deposits to total assets | 83.4354% | 3,592 |
| Equity capital to assets | 16.3998% | 862 |
| Core capital (leverage) ratio | 20.7503% | 388 |
| Tier 1 risk-based capital ratio | 39.4006% | 351 |
| Total risk-based capital ratio | 40.3676% | 348 |
| Memoranda: | ||
| Average total assets | $89,916,000 | 5,357 |
| Average earning assets | $86,115,000 | 5,229 |
| Average equity | $19,025,000 | 3,390 |
| Average total loans | $20,379,000 | 7,311 |