Home > Reunion Bank of Florida > Performance and Condition Ratios
Reunion Bank of Florida, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,502 |
| Cost of funding earning assets | 0.6435% | 1,132 |
| Net interest margin | 3.5820% | 3,230 |
| Noninterest income to average assets | 0.2017% | 5,433 |
| Noninterest expense to average assets | 2.4419% | 4,381 |
| Loan and lease loss provision to assets | 0.1512% | 1,443 |
| Net operating income to assets | 0.6594% | 4,082 |
| Return on assets (ROA) | 0.6812% | 4,100 |
| Pretax return on assets | 1.0341% | 3,486 |
| Return on Equity (ROE) | 7.2638% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.2638% | 1,564 |
| Net charge-offs to loans | 0.0024% | 4,098 |
| Credit loss provision to net charge-offs | 8,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 610.1163% | 122 |
| Efficiency ratio | 67.9416% | 3,550 |
| Assets per employee ($millions) | 7.3361% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 4,744 |
| Loan loss allowance to noncurrent loans | 255.2095% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 4,497 |
| Noncurrent loans to loans | 0.3921% | 4,210 |
| Net loans and leases to total assets | 80.1112% | 813 |
| Net loans and leases to deposits | 88.5691% | 1,829 |
| Net loans and leases to core deposits | 98.4307% | 1,654 |
| Total domestic deposits to total assets | 90.4506% | 400 |
| Equity capital to assets | 9.2829% | 5,022 |
| Core capital (leverage) ratio | 9.4155% | 4,411 |
| Tier 1 risk-based capital ratio | 10.8732% | 5,724 |
| Total risk-based capital ratio | 11.8315% | 5,774 |
| Memoranda: | ||
| Average total assets | $282,230,500 | 2,268 |
| Average earning assets | $267,292,750 | 2,232 |
| Average equity | $26,468,500 | 2,615 |
| Average total loans | $218,801,250 | 1,940 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 2,351 |
| Cost of funding earning assets | 0.6436% | 1,138 |
| Net interest margin | 3.6078% | 3,057 |
| Noninterest income to average assets | 0.1803% | 5,615 |
| Noninterest expense to average assets | 2.4697% | 4,330 |
| Loan and lease loss provision to assets | 0.1400% | 1,553 |
| Net operating income to assets | 0.6498% | 4,121 |
| Return on assets (ROA) | 0.6830% | 4,085 |
| Pretax return on assets | 1.0305% | 3,456 |
| Return on Equity (ROE) | 7.2564% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.2564% | 1,590 |
| Net charge-offs to loans | 0.0056% | 3,702 |
| Credit loss provision to net charge-offs | 3,250.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 260.0000% | 265 |
| Efficiency ratio | 68.7938% | 3,539 |
| Assets per employee ($millions) | 6.8287% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 4,786 |
| Loan loss allowance to noncurrent loans | 226.2575% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 4,498 |
| Noncurrent loans to loans | 0.4491% | 4,124 |
| Net loans and leases to total assets | 76.3802% | 1,319 |
| Net loans and leases to deposits | 84.3406% | 2,270 |
| Net loans and leases to core deposits | 94.1247% | 1,950 |
| Total domestic deposits to total assets | 90.5616% | 432 |
| Equity capital to assets | 9.1937% | 5,026 |
| Core capital (leverage) ratio | 9.5057% | 4,275 |
| Tier 1 risk-based capital ratio | 11.2422% | 5,602 |
| Total risk-based capital ratio | 12.1984% | 5,650 |
| Memoranda: | ||
| Average total assets | $278,493,330 | 2,317 |
| Average earning assets | $263,204,670 | 2,276 |
| Average equity | $26,211,330 | 2,641 |
| Average total loans | $212,583,000 | 1,993 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 2,217 |
| Cost of funding earning assets | 0.6332% | 1,212 |
| Net interest margin | 3.6306% | 2,890 |
| Noninterest income to average assets | 0.1852% | 5,603 |
| Noninterest expense to average assets | 2.5443% | 4,121 |
| Loan and lease loss provision to assets | 0.1166% | 1,767 |
| Net operating income to assets | 0.6359% | 4,108 |
| Return on assets (ROA) | 0.7042% | 3,903 |
| Pretax return on assets | 1.0542% | 3,288 |
| Return on Equity (ROE) | 7.3930% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.3930% | 1,815 |
| Net charge-offs to loans | 0.0096% | 3,015 |
| Credit loss provision to net charge-offs | 1,600.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 146.6000% | 360 |
| Efficiency ratio | 70.4197% | 3,407 |
| Assets per employee ($millions) | 6.4802% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 4,977 |
| Loan loss allowance to noncurrent loans | 216.7513% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 4,561 |
| Noncurrent loans to loans | 0.4648% | 4,185 |
| Net loans and leases to total assets | 77.0858% | 1,047 |
| Net loans and leases to deposits | 85.5273% | 1,894 |
| Net loans and leases to core deposits | 95.4991% | 1,649 |
| Total domestic deposits to total assets | 90.1300% | 682 |
| Equity capital to assets | 9.6753% | 4,540 |
| Core capital (leverage) ratio | 9.7092% | 4,003 |
| Tier 1 risk-based capital ratio | 11.2082% | 5,708 |
| Total risk-based capital ratio | 12.1249% | 5,790 |
| Memoranda: | ||
| Average total assets | $274,337,000 | 2,356 |
| Average earning assets | $259,018,000 | 2,319 |
| Average equity | $26,133,000 | 2,664 |
| Average total loans | $208,218,500 | 2,024 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 2,023 |
| Cost of funding earning assets | 0.7513% | 842 |
| Net interest margin | 3.7113% | 2,968 |
| Noninterest income to average assets | 0.2003% | 5,659 |
| Noninterest expense to average assets | 2.5878% | 4,263 |
| Loan and lease loss provision to assets | 0.2235% | 1,100 |
| Net operating income to assets | 0.6164% | 4,291 |
| Return on assets (ROA) | 0.6137% | 4,409 |
| Pretax return on assets | 0.8809% | 3,959 |
| Return on Equity (ROE) | 6.6253% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.6253% | 1,582 |
| Net charge-offs to loans | 0.0917% | 3,183 |
| Credit loss provision to net charge-offs | 328.4091% | 799 |
| Earnings coverage of net charge-offs (x) | 16.2841% | 2,020 |
| Efficiency ratio | 70.0146% | 3,526 |
| Assets per employee ($millions) | 6.2843% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 5,002 |
| Loan loss allowance to noncurrent loans | 207.8708% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 4,627 |
| Noncurrent loans to loans | 0.4846% | 4,213 |
| Net loans and leases to total assets | 73.2133% | 1,719 |
| Net loans and leases to deposits | 80.9462% | 2,607 |
| Net loans and leases to core deposits | 90.7807% | 2,203 |
| Total domestic deposits to total assets | 90.4469% | 559 |
| Equity capital to assets | 9.3788% | 4,878 |
| Core capital (leverage) ratio | 9.3786% | 4,421 |
| Tier 1 risk-based capital ratio | 11.1494% | 5,844 |
| Total risk-based capital ratio | 12.0393% | 5,935 |
| Memoranda: | ||
| Average total assets | $258,597,000 | 2,447 |
| Average earning assets | $243,581,000 | 2,399 |
| Average equity | $23,953,600 | 2,763 |
| Average total loans | $191,905,800 | 2,098 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 1,955 |
| Cost of funding earning assets | 0.7689% | 802 |
| Net interest margin | 3.7091% | 2,993 |
| Noninterest income to average assets | 0.2004% | 5,726 |
| Noninterest expense to average assets | 2.6627% | 3,972 |
| Loan and lease loss provision to assets | 0.2020% | 1,171 |
| Net operating income to assets | 0.5813% | 4,531 |
| Return on assets (ROA) | 0.5777% | 4,632 |
| Pretax return on assets | 0.8206% | 4,283 |
| Return on Equity (ROE) | 6.2576% | 4,102 |
| Retained earnings to average equity (ytd only) | 6.2576% | 2,244 |
| Net charge-offs to loans | 0.1158% | 2,643 |
| Credit loss provision to net charge-offs | 234.7561% | 1,113 |
| Earnings coverage of net charge-offs (x) | 11.9452% | 2,359 |
| Efficiency ratio | 72.1496% | 3,149 |
| Assets per employee ($millions) | 6.0669% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 5,502 |
| Loan loss allowance to noncurrent loans | 95.8673% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 3,615 |
| Noncurrent loans to loans | 0.9688% | 3,144 |
| Net loans and leases to total assets | 75.0874% | 1,350 |
| Net loans and leases to deposits | 83.0517% | 2,283 |
| Net loans and leases to core deposits | 95.1075% | 1,747 |
| Total domestic deposits to total assets | 90.4104% | 565 |
| Equity capital to assets | 9.3649% | 4,959 |
| Core capital (leverage) ratio | 9.6571% | 4,142 |
| Tier 1 risk-based capital ratio | 11.1250% | 5,943 |
| Total risk-based capital ratio | 11.9509% | 6,083 |
| Memoranda: | ||
| Average total assets | $254,119,500 | 2,507 |
| Average earning assets | $239,117,750 | 2,446 |
| Average equity | $23,458,750 | 2,810 |
| Average total loans | $188,757,250 | 2,142 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 1,966 |
| Cost of funding earning assets | 0.7769% | 798 |
| Net interest margin | 3.6814% | 3,024 |
| Noninterest income to average assets | 0.2081% | 5,710 |
| Noninterest expense to average assets | 2.7041% | 3,847 |
| Loan and lease loss provision to assets | 0.1617% | 1,533 |
| Net operating income to assets | 0.5668% | 4,514 |
| Return on assets (ROA) | 0.5611% | 4,644 |
| Pretax return on assets | 0.7901% | 4,314 |
| Return on Equity (ROE) | 6.1102% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.1102% | 2,258 |
| Net charge-offs to loans | 0.1314% | 2,351 |
| Credit loss provision to net charge-offs | 166.9421% | 1,349 |
| Earnings coverage of net charge-offs (x) | 9.9091% | 2,302 |
| Efficiency ratio | 73.8038% | 3,008 |
| Assets per employee ($millions) | 5.9176% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 5,804 |
| Loan loss allowance to noncurrent loans | 176.0892% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 4,882 |
| Noncurrent loans to loans | 0.4957% | 4,506 |
| Net loans and leases to total assets | 75.8076% | 1,199 |
| Net loans and leases to deposits | 83.7061% | 2,062 |
| Net loans and leases to core deposits | 95.2400% | 1,665 |
| Total domestic deposits to total assets | 90.5640% | 558 |
| Equity capital to assets | 9.2586% | 5,023 |
| Core capital (leverage) ratio | 9.8131% | 3,868 |
| Tier 1 risk-based capital ratio | 10.7332% | 6,155 |
| Total risk-based capital ratio | 11.4858% | 6,284 |
| Memoranda: | ||
| Average total assets | $249,844,330 | 2,543 |
| Average earning assets | $234,531,330 | 2,494 |
| Average equity | $22,945,330 | 2,852 |
| Average total loans | $184,236,000 | 2,182 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 2,288 |
| Cost of funding earning assets | 0.7687% | 890 |
| Net interest margin | 3.5941% | 3,266 |
| Noninterest income to average assets | 0.2142% | 5,644 |
| Noninterest expense to average assets | 2.6822% | 3,994 |
| Loan and lease loss provision to assets | 0.1325% | 1,832 |
| Net operating income to assets | 0.5528% | 4,448 |
| Return on assets (ROA) | 0.5528% | 4,521 |
| Pretax return on assets | 0.7719% | 4,216 |
| Return on Equity (ROE) | 6.0453% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.0453% | 2,518 |
| Net charge-offs to loans | -0.0023% | 4,715 |
| Credit loss provision to net charge-offs | -8,100.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7834% | 3,002 |
| Assets per employee ($millions) | 6.1139% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 5,751 |
| Loan loss allowance to noncurrent loans | 173.8262% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 4,914 |
| Noncurrent loans to loans | 0.5387% | 4,556 |
| Net loans and leases to total assets | 75.2676% | 1,093 |
| Net loans and leases to deposits | 84.7628% | 1,746 |
| Net loans and leases to core deposits | 96.3813% | 1,357 |
| Total domestic deposits to total assets | 88.7980% | 1,776 |
| Equity capital to assets | 9.4012% | 4,621 |
| Core capital (leverage) ratio | 10.3858% | 3,065 |
| Tier 1 risk-based capital ratio | 11.2106% | 6,069 |
| Total risk-based capital ratio | 12.0005% | 6,222 |
| Memoranda: | ||
| Average total assets | $244,579,000 | 2,600 |
| Average earning assets | $229,486,000 | 2,562 |
| Average equity | $22,364,500 | 2,907 |
| Average total loans | $176,793,000 | 2,266 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5154% | 2,147 |
| Cost of funding earning assets | 0.8612% | 905 |
| Net interest margin | 3.6543% | 3,230 |
| Noninterest income to average assets | 0.2495% | 5,560 |
| Noninterest expense to average assets | 2.5776% | 4,539 |
| Loan and lease loss provision to assets | 0.2467% | 1,461 |
| Net operating income to assets | 0.6028% | 4,247 |
| Return on assets (ROA) | 0.6594% | 4,092 |
| Pretax return on assets | 0.9285% | 3,649 |
| Return on Equity (ROE) | 6.5200% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.5200% | 1,672 |
| Net charge-offs to loans | 0.1576% | 3,228 |
| Credit loss provision to net charge-offs | 219.5021% | 1,051 |
| Earnings coverage of net charge-offs (x) | 9.7469% | 2,466 |
| Efficiency ratio | 70.1752% | 3,812 |
| Assets per employee ($millions) | 6.1151% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 5,628 |
| Loan loss allowance to noncurrent loans | 163.1890% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 5,003 |
| Noncurrent loans to loans | 0.6056% | 4,465 |
| Net loans and leases to total assets | 67.9130% | 2,369 |
| Net loans and leases to deposits | 74.6366% | 3,169 |
| Net loans and leases to core deposits | 84.5259% | 2,615 |
| Total domestic deposits to total assets | 90.9916% | 575 |
| Equity capital to assets | 8.8870% | 5,158 |
| Core capital (leverage) ratio | 10.3580% | 3,078 |
| Tier 1 risk-based capital ratio | 11.8540% | 5,703 |
| Total risk-based capital ratio | 12.6700% | 5,890 |
| Memoranda: | ||
| Average total assets | $214,424,600 | 2,867 |
| Average earning assets | $200,888,800 | 2,815 |
| Average equity | $21,687,200 | 2,959 |
| Average total loans | $152,913,200 | 2,520 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 2,138 |
| Cost of funding earning assets | 0.8772% | 916 |
| Net interest margin | 3.6479% | 3,243 |
| Noninterest income to average assets | 0.2668% | 5,543 |
| Noninterest expense to average assets | 2.6282% | 4,288 |
| Loan and lease loss provision to assets | 0.2842% | 1,216 |
| Net operating income to assets | 0.5589% | 4,535 |
| Return on assets (ROA) | 0.6503% | 4,246 |
| Pretax return on assets | 0.8984% | 3,893 |
| Return on Equity (ROE) | 6.2068% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.2068% | 2,283 |
| Net charge-offs to loans | 0.2118% | 2,557 |
| Credit loss provision to net charge-offs | 186.0759% | 1,297 |
| Earnings coverage of net charge-offs (x) | 6.9115% | 2,884 |
| Efficiency ratio | 71.3436% | 3,545 |
| Assets per employee ($millions) | 6.3377% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 5,895 |
| Loan loss allowance to noncurrent loans | 152.0773% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 5,033 |
| Noncurrent loans to loans | 0.6292% | 4,621 |
| Net loans and leases to total assets | 73.4460% | 1,377 |
| Net loans and leases to deposits | 81.3524% | 2,222 |
| Net loans and leases to core deposits | 93.7231% | 1,598 |
| Total domestic deposits to total assets | 90.2813% | 848 |
| Equity capital to assets | 9.5406% | 4,499 |
| Core capital (leverage) ratio | 11.2274% | 2,271 |
| Tier 1 risk-based capital ratio | 11.9109% | 5,830 |
| Total risk-based capital ratio | 12.7070% | 6,041 |
| Memoranda: | ||
| Average total assets | $206,879,750 | 2,965 |
| Average earning assets | $193,788,000 | 2,929 |
| Average equity | $21,674,500 | 2,999 |
| Average total loans | $149,197,500 | 2,580 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 1,992 |
| Cost of funding earning assets | 0.8937% | 928 |
| Net interest margin | 3.6658% | 3,099 |
| Noninterest income to average assets | 0.2813% | 5,437 |
| Noninterest expense to average assets | 2.6142% | 4,331 |
| Loan and lease loss provision to assets | 0.3477% | 962 |
| Net operating income to assets | 0.5410% | 4,601 |
| Return on assets (ROA) | 0.6815% | 4,064 |
| Pretax return on assets | 0.9520% | 3,714 |
| Return on Equity (ROE) | 6.2989% | 3,995 |
| Retained earnings to average equity (ytd only) | 6.2989% | 2,262 |
| Net charge-offs to loans | 0.2929% | 2,015 |
| Credit loss provision to net charge-offs | 166.3507% | 1,423 |
| Earnings coverage of net charge-offs (x) | 5.2844% | 2,922 |
| Efficiency ratio | 70.2983% | 3,769 |
| Assets per employee ($millions) | 6.0946% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 5,825 |
| Loan loss allowance to noncurrent loans | 110.7850% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 4,582 |
| Noncurrent loans to loans | 0.9019% | 4,123 |
| Net loans and leases to total assets | 72.2000% | 1,547 |
| Net loans and leases to deposits | 80.5607% | 2,245 |
| Net loans and leases to core deposits | 93.4829% | 1,570 |
| Total domestic deposits to total assets | 89.6219% | 1,249 |
| Equity capital to assets | 10.2328% | 3,619 |
| Core capital (leverage) ratio | 10.0722% | 3,413 |
| Tier 1 risk-based capital ratio | 11.6281% | 6,042 |
| Total risk-based capital ratio | 12.4625% | 6,207 |
| Memoranda: | ||
| Average total assets | $201,899,670 | 3,050 |
| Average earning assets | $189,318,330 | 2,999 |
| Average equity | $21,845,000 | 3,003 |
| Average total loans | $144,099,330 | 2,659 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 2,437 |
| Cost of funding earning assets | 0.8934% | 1,017 |
| Net interest margin | 3.5328% | 3,554 |
| Noninterest income to average assets | 0.2670% | 5,548 |
| Noninterest expense to average assets | 2.4754% | 4,844 |
| Loan and lease loss provision to assets | 0.5099% | 526 |
| Net operating income to assets | 0.4219% | 5,042 |
| Return on assets (ROA) | 0.7067% | 3,794 |
| Pretax return on assets | 0.9877% | 3,409 |
| Return on Equity (ROE) | 6.3522% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.3522% | 2,486 |
| Net charge-offs to loans | 0.6089% | 999 |
| Credit loss provision to net charge-offs | 118.6916% | 1,615 |
| Earnings coverage of net charge-offs (x) | 2.5654% | 3,002 |
| Efficiency ratio | 69.1919% | 4,115 |
| Assets per employee ($millions) | 6.7145% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 6,090 |
| Loan loss allowance to noncurrent loans | 138.3710% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 5,066 |
| Noncurrent loans to loans | 0.6972% | 4,733 |
| Net loans and leases to total assets | 69.5377% | 1,748 |
| Net loans and leases to deposits | 77.9709% | 2,341 |
| Net loans and leases to core deposits | 89.9935% | 1,693 |
| Total domestic deposits to total assets | 89.1842% | 1,571 |
| Equity capital to assets | 10.6962% | 3,324 |
| Core capital (leverage) ratio | 11.0230% | 2,243 |
| Tier 1 risk-based capital ratio | 12.6279% | 5,491 |
| Total risk-based capital ratio | 13.4520% | 5,749 |
| Memoranda: | ||
| Average total assets | $199,241,500 | 3,106 |
| Average earning assets | $186,709,000 | 3,062 |
| Average equity | $22,165,500 | 3,007 |
| Average total loans | $140,589,000 | 2,717 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 2,496 |
| Cost of funding earning assets | 1.0147% | 1,275 |
| Net interest margin | 3.7097% | 3,609 |
| Noninterest income to average assets | 0.2393% | 5,736 |
| Noninterest expense to average assets | 2.6256% | 4,659 |
| Loan and lease loss provision to assets | 0.3076% | 2,219 |
| Net operating income to assets | 0.5393% | 4,519 |
| Return on assets (ROA) | 0.9161% | 2,981 |
| Pretax return on assets | 1.3563% | 2,190 |
| Return on Equity (ROE) | 8.7765% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.7765% | 887 |
| Net charge-offs to loans | 0.4941% | 2,263 |
| Credit loss provision to net charge-offs | 87.6176% | 3,567 |
| Earnings coverage of net charge-offs (x) | 3.1614% | 3,854 |
| Efficiency ratio | 70.2902% | 3,755 |
| Assets per employee ($millions) | 6.5632% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 5,917 |
| Loan loss allowance to noncurrent loans | 113.8820% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 4,660 |
| Noncurrent loans to loans | 0.8909% | 4,392 |
| Net loans and leases to total assets | 70.2218% | 1,805 |
| Net loans and leases to deposits | 79.5188% | 2,353 |
| Net loans and leases to core deposits | 92.0509% | 1,630 |
| Total domestic deposits to total assets | 88.3084% | 2,026 |
| Equity capital to assets | 11.5938% | 2,353 |
| Core capital (leverage) ratio | 11.0504% | 2,215 |
| Tier 1 risk-based capital ratio | 13.3307% | 4,880 |
| Total risk-based capital ratio | 14.1878% | 5,095 |
| Memoranda: | ||
| Average total assets | $181,746,000 | 3,289 |
| Average earning assets | $171,278,400 | 3,213 |
| Average equity | $18,971,200 | 3,340 |
| Average total loans | $129,133,800 | 2,898 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 2,735 |
| Cost of funding earning assets | 1.0357% | 1,365 |
| Net interest margin | 3.6803% | 3,876 |
| Noninterest income to average assets | 0.2272% | 5,928 |
| Noninterest expense to average assets | 2.6896% | 4,407 |
| Loan and lease loss provision to assets | 0.3118% | 2,116 |
| Net operating income to assets | 0.4748% | 4,931 |
| Return on assets (ROA) | 0.6934% | 4,195 |
| Pretax return on assets | 1.0133% | 3,657 |
| Return on Equity (ROE) | 6.8433% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.8433% | 2,212 |
| Net charge-offs to loans | 0.2893% | 2,990 |
| Credit loss provision to net charge-offs | 151.6245% | 1,859 |
| Earnings coverage of net charge-offs (x) | 4.8809% | 3,169 |
| Efficiency ratio | 72.8241% | 3,181 |
| Assets per employee ($millions) | 6.3268% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 5,223 |
| Loan loss allowance to noncurrent loans | 1,851.1628% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 6,361 |
| Noncurrent loans to loans | 0.0656% | 6,450 |
| Net loans and leases to total assets | 68.2466% | 2,258 |
| Net loans and leases to deposits | 76.8775% | 2,838 |
| Net loans and leases to core deposits | 88.9901% | 2,105 |
| Total domestic deposits to total assets | 88.7731% | 1,551 |
| Equity capital to assets | 11.0983% | 3,154 |
| Core capital (leverage) ratio | 10.5856% | 2,813 |
| Tier 1 risk-based capital ratio | 12.6743% | 5,501 |
| Total risk-based capital ratio | 13.6956% | 5,653 |
| Memoranda: | ||
| Average total assets | $179,599,000 | 3,359 |
| Average earning assets | $169,149,500 | 3,273 |
| Average equity | $18,197,250 | 3,476 |
| Average total loans | $127,660,750 | 2,961 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 2,724 |
| Cost of funding earning assets | 1.0570% | 1,426 |
| Net interest margin | 3.6912% | 3,868 |
| Noninterest income to average assets | 0.2225% | 5,978 |
| Noninterest expense to average assets | 2.7242% | 4,309 |
| Loan and lease loss provision to assets | 0.2270% | 2,805 |
| Net operating income to assets | 0.5001% | 4,821 |
| Return on assets (ROA) | 0.6811% | 4,238 |
| Pretax return on assets | 1.0216% | 3,623 |
| Return on Equity (ROE) | 6.9600% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.9600% | 2,123 |
| Net charge-offs to loans | 0.2956% | 2,847 |
| Credit loss provision to net charge-offs | 106.9519% | 2,548 |
| Earnings coverage of net charge-offs (x) | 4.6096% | 3,035 |
| Efficiency ratio | 73.5745% | 3,145 |
| Assets per employee ($millions) | 6.5228% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,613 |
| Loan loss allowance to noncurrent loans | 380.7292% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 6,257 |
| Noncurrent loans to loans | 0.2988% | 5,963 |
| Net loans and leases to total assets | 69.5637% | 1,996 |
| Net loans and leases to deposits | 77.6052% | 2,732 |
| Net loans and leases to core deposits | 90.3704% | 1,949 |
| Total domestic deposits to total assets | 89.6379% | 1,137 |
| Equity capital to assets | 10.2893% | 3,949 |
| Core capital (leverage) ratio | 9.8042% | 3,712 |
| Tier 1 risk-based capital ratio | 11.6622% | 6,133 |
| Total risk-based capital ratio | 12.6386% | 6,260 |
| Memoranda: | ||
| Average total assets | $176,197,670 | 3,421 |
| Average earning assets | $166,124,330 | 3,328 |
| Average equity | $17,241,330 | 3,608 |
| Average total loans | $126,505,670 | 2,995 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8100% | 2,597 |
| Cost of funding earning assets | 1.0741% | 1,526 |
| Net interest margin | 3.7360% | 3,664 |
| Noninterest income to average assets | 0.1827% | 6,285 |
| Noninterest expense to average assets | 2.6824% | 4,491 |
| Loan and lease loss provision to assets | 0.3099% | 2,032 |
| Net operating income to assets | 0.4694% | 4,963 |
| Return on assets (ROA) | 0.4694% | 5,155 |
| Pretax return on assets | 0.7215% | 4,725 |
| Return on Equity (ROE) | 4.9314% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.9314% | 3,598 |
| Net charge-offs to loans | 0.5705% | 1,661 |
| Credit loss provision to net charge-offs | 74.8603% | 2,833 |
| Earnings coverage of net charge-offs (x) | 2.4916% | 3,170 |
| Efficiency ratio | 72.2291% | 3,395 |
| Assets per employee ($millions) | 6.3788% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,915 |
| Loan loss allowance to noncurrent loans | 350.1247% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 6,323 |
| Noncurrent loans to loans | 0.3131% | 6,053 |
| Net loans and leases to total assets | 70.9129% | 1,591 |
| Net loans and leases to deposits | 78.2772% | 2,457 |
| Net loans and leases to core deposits | 90.9152% | 1,760 |
| Total domestic deposits to total assets | 90.5921% | 751 |
| Equity capital to assets | 9.3362% | 5,044 |
| Core capital (leverage) ratio | 8.8807% | 5,019 |
| Tier 1 risk-based capital ratio | 10.2631% | 6,808 |
| Total risk-based capital ratio | 11.2177% | 6,886 |
| Memoranda: | ||
| Average total assets | $172,978,000 | 3,478 |
| Average earning assets | $163,492,000 | 3,380 |
| Average equity | $16,466,000 | 3,736 |
| Average total loans | $125,503,000 | 3,039 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8467% | 3,598 |
| Cost of funding earning assets | 1.1568% | 2,307 |
| Net interest margin | 3.6899% | 4,344 |
| Noninterest income to average assets | 0.1907% | 6,139 |
| Noninterest expense to average assets | 2.9529% | 3,756 |
| Loan and lease loss provision to assets | 0.2527% | 3,680 |
| Net operating income to assets | 0.2702% | 5,368 |
| Return on assets (ROA) | 0.3767% | 5,138 |
| Pretax return on assets | 0.6274% | 4,603 |
| Return on Equity (ROE) | 3.5583% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.5583% | 3,699 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5367% | 2,234 |
| Assets per employee ($millions) | 6.1982% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,496 |
| Loan loss allowance to noncurrent loans | 315.0000% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 6,274 |
| Noncurrent loans to loans | 0.3741% | 5,968 |
| Net loans and leases to total assets | 72.6013% | 1,538 |
| Net loans and leases to deposits | 80.4549% | 2,436 |
| Net loans and leases to core deposits | 95.5248% | 1,541 |
| Total domestic deposits to total assets | 90.2385% | 859 |
| Equity capital to assets | 9.7143% | 4,574 |
| Core capital (leverage) ratio | 9.1463% | 4,556 |
| Tier 1 risk-based capital ratio | 10.3956% | 6,733 |
| Total risk-based capital ratio | 11.4246% | 6,791 |
| Memoranda: | ||
| Average total assets | $148,396,600 | 3,832 |
| Average earning assets | $139,786,400 | 3,751 |
| Average equity | $15,709,600 | 3,768 |
| Average total loans | $103,036,800 | 3,547 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 3,797 |
| Cost of funding earning assets | 1.1759% | 2,479 |
| Net interest margin | 3.6719% | 4,459 |
| Noninterest income to average assets | 0.2014% | 6,159 |
| Noninterest expense to average assets | 3.1054% | 3,138 |
| Loan and lease loss provision to assets | 0.2422% | 3,585 |
| Net operating income to assets | 0.1614% | 5,795 |
| Return on assets (ROA) | 0.3081% | 5,542 |
| Pretax return on assets | 0.5318% | 5,034 |
| Return on Equity (ROE) | 2.8425% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.8425% | 4,650 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0750% | 1,632 |
| Assets per employee ($millions) | 6.0794% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,475 |
| Loan loss allowance to noncurrent loans | 304.7945% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,369 |
| Noncurrent loans to loans | 0.3930% | 6,070 |
| Net loans and leases to total assets | 69.6618% | 2,145 |
| Net loans and leases to deposits | 77.6545% | 3,058 |
| Net loans and leases to core deposits | 89.8961% | 2,261 |
| Total domestic deposits to total assets | 89.7074% | 1,037 |
| Equity capital to assets | 10.2002% | 4,084 |
| Core capital (leverage) ratio | 9.5070% | 4,136 |
| Tier 1 risk-based capital ratio | 11.0000% | 6,543 |
| Total risk-based capital ratio | 12.0253% | 6,658 |
| Memoranda: | ||
| Average total assets | $143,658,000 | 3,932 |
| Average earning assets | $134,933,000 | 3,865 |
| Average equity | $15,572,750 | 3,812 |
| Average total loans | $98,059,000 | 3,699 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 4,053 |
| Cost of funding earning assets | 1.2026% | 2,568 |
| Net interest margin | 3.6092% | 4,689 |
| Noninterest income to average assets | 0.2060% | 6,192 |
| Noninterest expense to average assets | 3.2120% | 2,857 |
| Loan and lease loss provision to assets | 0.1728% | 4,200 |
| Net operating income to assets | 0.0971% | 6,028 |
| Return on assets (ROA) | 0.1469% | 5,985 |
| Pretax return on assets | 0.2794% | 5,715 |
| Return on Equity (ROE) | 1.3256% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.3256% | 5,319 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5582% | 1,270 |
| Assets per employee ($millions) | 5.7911% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.4086% | 3,163 |
| Net loans and leases to deposits | 73.0801% | 3,939 |
| Net loans and leases to core deposits | 83.9893% | 3,212 |
| Total domestic deposits to total assets | 89.5025% | 1,241 |
| Equity capital to assets | 10.4344% | 3,598 |
| Core capital (leverage) ratio | 9.7536% | 3,587 |
| Tier 1 risk-based capital ratio | 11.5404% | 6,144 |
| Total risk-based capital ratio | 12.5375% | 6,324 |
| Memoranda: | ||
| Average total assets | $138,855,670 | 4,046 |
| Average earning assets | $130,055,000 | 3,982 |
| Average equity | $15,389,330 | 3,838 |
| Average total loans | $93,596,670 | 3,847 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 3,974 |
| Cost of funding earning assets | 1.2448% | 2,537 |
| Net interest margin | 3.5732% | 4,705 |
| Noninterest income to average assets | 0.1985% | 6,300 |
| Noninterest expense to average assets | 3.2872% | 2,608 |
| Loan and lease loss provision to assets | 0.1353% | 4,316 |
| Net operating income to assets | 0.0391% | 6,259 |
| Return on assets (ROA) | 0.0391% | 6,296 |
| Pretax return on assets | 0.1083% | 6,149 |
| Return on Equity (ROE) | 0.3415% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.3415% | 5,675 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1005% | 1,092 |
| Assets per employee ($millions) | 5.2208% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,754 |
| 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 | 66.8570% | 2,800 |
| Net loans and leases to deposits | 75.0480% | 3,574 |
| Net loans and leases to core deposits | 85.6568% | 2,930 |
| Total domestic deposits to total assets | 89.0857% | 1,723 |
| Equity capital to assets | 10.8497% | 2,827 |
| Core capital (leverage) ratio | 10.2330% | 2,891 |
| Tier 1 risk-based capital ratio | 11.8980% | 5,783 |
| Total risk-based capital ratio | 12.8879% | 5,979 |
| Memoranda: | ||
| Average total assets | $132,999,000 | 4,194 |
| Average earning assets | $124,034,500 | 4,139 |
| Average equity | $15,228,500 | 3,858 |
| Average total loans | $90,555,500 | 3,965 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 5,597 |
| Cost of funding earning assets | 1.4253% | 3,103 |
| Net interest margin | 3.3312% | 5,869 |
| Noninterest income to average assets | 0.1227% | 6,791 |
| Noninterest expense to average assets | 3.7296% | 1,630 |
| Loan and lease loss provision to assets | 0.3806% | 3,833 |
| Net operating income to assets | -0.6344% | 6,473 |
| Return on assets (ROA) | -0.3806% | 6,320 |
| Pretax return on assets | -0.5462% | 6,352 |
| Return on Equity (ROE) | -2.7483% | 6,256 |
| Retained earnings to average equity (ytd only) | -2.7483% | 6,075 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5035% | 444 |
| Assets per employee ($millions) | 5.2098% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 5,241 |
| 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 | 67.7205% | 3,054 |
| Net loans and leases to deposits | 77.1133% | 3,656 |
| Net loans and leases to core deposits | 88.2197% | 3,023 |
| Total domestic deposits to total assets | 87.8195% | 2,357 |
| Equity capital to assets | 12.1269% | 1,839 |
| Core capital (leverage) ratio | 10.9490% | 2,198 |
| Tier 1 risk-based capital ratio | 12.9301% | 4,652 |
| Total risk-based capital ratio | 13.9721% | 4,817 |
| Memoranda: | ||
| Average total assets | $111,673,600 | 4,669 |
| Average earning assets | $103,206,400 | 4,633 |
| Average equity | $15,464,000 | 3,867 |
| Average total loans | $67,958,400 | 4,752 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 6,114 |
| Cost of funding earning assets | 1.4587% | 3,226 |
| Net interest margin | 3.2140% | 6,295 |
| Noninterest income to average assets | 0.1182% | 6,959 |
| Noninterest expense to average assets | 3.8239% | 1,336 |
| Loan and lease loss provision to assets | 0.3778% | 3,623 |
| Net operating income to assets | -0.7159% | 6,739 |
| Return on assets (ROA) | -0.4418% | 6,592 |
| Pretax return on assets | -0.6941% | 6,677 |
| Return on Equity (ROE) | -3.0803% | 6,496 |
| Retained earnings to average equity (ytd only) | -3.0803% | 6,359 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.1807% | 350 |
| Assets per employee ($millions) | 4.6696% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,976 |
| 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 | 62.2361% | 4,479 |
| Net loans and leases to deposits | 71.7538% | 4,872 |
| Net loans and leases to core deposits | 82.8988% | 4,101 |
| Total domestic deposits to total assets | 86.7356% | 2,671 |
| Equity capital to assets | 13.1530% | 1,513 |
| Core capital (leverage) ratio | 12.0418% | 1,644 |
| Tier 1 risk-based capital ratio | 14.5454% | 3,488 |
| Total risk-based capital ratio | 15.5806% | 3,575 |
| Memoranda: | ||
| Average total assets | $108,333,000 | 4,827 |
| Average earning assets | $99,811,500 | 4,785 |
| Average equity | $15,539,250 | 3,893 |
| Average total loans | $63,510,750 | 5,002 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 6,475 |
| Cost of funding earning assets | 1.5073% | 3,214 |
| Net interest margin | 3.0867% | 6,637 |
| Noninterest income to average assets | 0.1213% | 6,997 |
| Noninterest expense to average assets | 3.9382% | 1,125 |
| Loan and lease loss provision to assets | 0.3108% | 3,896 |
| Net operating income to assets | -0.8241% | 6,874 |
| Return on assets (ROA) | -0.7259% | 6,834 |
| Pretax return on assets | -1.1333% | 6,946 |
| Return on Equity (ROE) | -4.9100% | 6,695 |
| Retained earnings to average equity (ytd only) | -4.9100% | 6,548 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.9495% | 297 |
| Assets per employee ($millions) | 4.5647% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 5,291 |
| 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 | 57.2141% | 5,532 |
| Net loans and leases to deposits | 66.3641% | 5,761 |
| Net loans and leases to core deposits | 77.5170% | 5,021 |
| Total domestic deposits to total assets | 86.2124% | 2,965 |
| Equity capital to assets | 13.7000% | 1,269 |
| Core capital (leverage) ratio | 12.3746% | 1,459 |
| Tier 1 risk-based capital ratio | 15.8990% | 2,719 |
| Total risk-based capital ratio | 16.8516% | 2,816 |
| Memoranda: | ||
| Average total assets | $105,530,330 | 4,928 |
| Average earning assets | $97,125,000 | 4,901 |
| Average equity | $15,600,670 | 3,871 |
| Average total loans | $60,144,000 | 5,168 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 6,559 |
| Cost of funding earning assets | 1.5539% | 3,242 |
| Net interest margin | 3.0473% | 6,717 |
| Noninterest income to average assets | 0.1264% | 7,045 |
| Noninterest expense to average assets | 4.0499% | 957 |
| Loan and lease loss provision to assets | 0.4425% | 2,750 |
| Net operating income to assets | -1.0269% | 7,119 |
| Return on assets (ROA) | -0.9088% | 7,089 |
| Pretax return on assets | -1.4026% | 7,224 |
| Return on Equity (ROE) | -5.9035% | 6,936 |
| Retained earnings to average equity (ytd only) | -5.9035% | 6,656 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.2663% | 263 |
| Assets per employee ($millions) | 4.2593% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 5,255 |
| 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 | 54.5308% | 5,956 |
| Net loans and leases to deposits | 63.4768% | 6,109 |
| Net loans and leases to core deposits | 72.8796% | 5,623 |
| Total domestic deposits to total assets | 85.9068% | 3,208 |
| Equity capital to assets | 14.0111% | 1,138 |
| Core capital (leverage) ratio | 13.9137% | 977 |
| Tier 1 risk-based capital ratio | 17.3621% | 2,119 |
| Total risk-based capital ratio | 18.3310% | 2,192 |
| Memoranda: | ||
| Average total assets | $101,237,000 | 5,112 |
| Average earning assets | $92,410,500 | 5,093 |
| Average equity | $15,584,000 | 3,898 |
| Average total loans | $57,164,000 | 5,376 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 7,735 |
| Cost of funding earning assets | 1.6357% | 4,865 |
| Net interest margin | 2.2484% | 7,620 |
| Noninterest income to average assets | 0.1138% | 7,188 |
| Noninterest expense to average assets | 5.9014% | 322 |
| Loan and lease loss provision to assets | 0.8047% | 2,726 |
| Net operating income to assets | -2.8946% | 7,371 |
| Return on assets (ROA) | -2.8946% | 7,381 |
| Pretax return on assets | -4.5561% | 7,649 |
| Return on Equity (ROE) | -11.0927% | 6,702 |
| Retained earnings to average equity (ytd only) | -11.0927% | 6,604 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 274.4853% | 71 |
| Assets per employee ($millions) | 3.9884% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,237 |
| 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 | 57.2640% | 5,780 |
| Net loans and leases to deposits | 69.0911% | 5,712 |
| Net loans and leases to core deposits | 87.0437% | 5,428 |
| Total domestic deposits to total assets | 82.8818% | 4,572 |
| Equity capital to assets | 17.0626% | 553 |
| Core capital (leverage) ratio | 16.8662% | 510 |
| Tier 1 risk-based capital ratio | 20.7399% | 1,335 |
| Total risk-based capital ratio | 21.7069% | 1,348 |
| Memoranda: | ||
| Average total assets | $63,256,200 | 6,229 |
| Average earning assets | $57,285,400 | 6,239 |
| Average equity | $16,506,400 | 3,775 |
| Average total loans | $30,766,200 | 6,588 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 7,909 |
| Cost of funding earning assets | 1.6554% | 5,135 |
| Net interest margin | 1.9849% | 7,821 |
| Noninterest income to average assets | 0.0855% | 7,467 |
| Noninterest expense to average assets | 6.4056% | 260 |
| Loan and lease loss provision to assets | 0.8075% | 2,350 |
| Net operating income to assets | -3.2824% | 7,647 |
| Return on assets (ROA) | -3.2824% | 7,652 |
| Pretax return on assets | -5.3392% | 7,849 |
| Return on Equity (ROE) | -11.0205% | 6,960 |
| Retained earnings to average equity (ytd only) | -11.0205% | 6,887 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 341.8251% | 55 |
| Assets per employee ($millions) | 3.7551% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 4,771 |
| 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 | 50.1624% | 6,769 |
| Net loans and leases to deposits | 63.9827% | 6,488 |
| Net loans and leases to core deposits | 79.4705% | 6,393 |
| Total domestic deposits to total assets | 78.4000% | 5,978 |
| Equity capital to assets | 21.5374% | 266 |
| Core capital (leverage) ratio | 20.8699% | 268 |
| Tier 1 risk-based capital ratio | 28.6828% | 637 |
| Total risk-based capital ratio | 29.6297% | 645 |
| Memoranda: | ||
| Average total assets | $56,137,000 | 6,540 |
| Average earning assets | $50,581,500 | 6,556 |
| Average equity | $16,720,000 | 3,763 |
| Average total loans | $25,163,000 | 6,963 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 8,056 |
| Cost of funding earning assets | 1.6233% | 5,648 |
| Net interest margin | 1.6278% | 7,979 |
| Noninterest income to average assets | 0.0723% | 7,625 |
| Noninterest expense to average assets | 7.2307% | 201 |
| Loan and lease loss provision to assets | 0.9676% | 1,744 |
| Net operating income to assets | -4.1754% | 7,855 |
| Return on assets (ROA) | -4.1754% | 7,851 |
| Pretax return on assets | -6.6686% | 8,003 |
| Return on Equity (ROE) | -12.3065% | 7,189 |
| Retained earnings to average equity (ytd only) | -12.3065% | 7,073 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 472.7034% | 43 |
| Assets per employee ($millions) | 3.4200% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 4,654 |
| 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 | 46.5820% | 7,156 |
| Net loans and leases to deposits | 62.4283% | 6,707 |
| Net loans and leases to core deposits | 83.9849% | 6,090 |
| Total domestic deposits to total assets | 74.6168% | 6,843 |
| Equity capital to assets | 25.2585% | 196 |
| Core capital (leverage) ratio | 26.6957% | 179 |
| Tier 1 risk-based capital ratio | 37.9504% | 348 |
| Total risk-based capital ratio | 38.9083% | 347 |
| Memoranda: | ||
| Average total assets | $49,815,330 | 6,836 |
| Average earning assets | $44,601,330 | 6,856 |
| Average equity | $16,901,670 | 3,733 |
| Average total loans | $20,833,000 | 7,277 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9868% | 8,143 |
| Cost of funding earning assets | 1.4826% | 6,460 |
| Net interest margin | 1.5041% | 8,058 |
| Noninterest income to average assets | 0.0474% | 7,850 |
| Noninterest expense to average assets | 8.6852% | 136 |
| Loan and lease loss provision to assets | 1.1271% | 1,155 |
| Net operating income to assets | -5.3039% | 8,060 |
| Return on assets (ROA) | -5.3039% | 8,052 |
| Pretax return on assets | -8.4389% | 8,126 |
| Return on Equity (ROE) | -13.0643% | 7,524 |
| Retained earnings to average equity (ytd only) | -13.0643% | 7,329 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 632.4138% | 31 |
| Assets per employee ($millions) | 2.7600% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,410 |
| 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 | 38.9455% | 7,619 |
| Net loans and leases to deposits | 57.5945% | 7,062 |
| Net loans and leases to core deposits | 85.9554% | 5,907 |
| Total domestic deposits to total assets | 67.6201% | 7,619 |
| Equity capital to assets | 32.2006% | 126 |
| Core capital (leverage) ratio | 39.6745% | 96 |
| Tier 1 risk-based capital ratio | 60.1115% | 139 |
| Total risk-based capital ratio | 61.0940% | 138 |
| Memoranda: | ||
| Average total assets | $42,233,000 | 7,155 |
| Average earning assets | $37,231,000 | 7,211 |
| Average equity | $17,146,000 | 3,709 |
| Average total loans | $15,924,500 | 7,582 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9164% | 8,262 |
| Cost of funding earning assets | 0.3031% | 8,222 |
| Net interest margin | 0.6134% | 8,254 |
| Noninterest income to average assets | 0.0094% | 8,071 |
| Noninterest expense to average assets | 6.0701% | 392 |
| Loan and lease loss provision to assets | 0.4371% | 3,104 |
| Net operating income to assets | -3.7907% | 7,953 |
| Return on assets (ROA) | -3.7907% | 7,931 |
| Pretax return on assets | -5.9670% | 8,102 |
| Return on Equity (ROE) | -6.9746% | 7,046 |
| Retained earnings to average equity (ytd only) | -6.9746% | 6,782 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,123.6994% | 13 |
| Assets per employee ($millions) | 1.8839% | 7,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,103 |
| 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 | 34.4314% | 7,879 |
| Net loans and leases to deposits | 75.6154% | 5,635 |
| Net loans and leases to core deposits | 92.8981% | 5,556 |
| Total domestic deposits to total assets | 45.5349% | 8,157 |
| Equity capital to assets | 54.3496% | 70 |
| Core capital (leverage) ratio | 67.6716% | 45 |
| Tier 1 risk-based capital ratio | 115.5310% | 70 |
| Total risk-based capital ratio | 116.4995% | 70 |
| Memoranda: | ||
| Average total assets | $32,026,000 | 7,561 |
| Average earning assets | $27,716,000 | 7,635 |
| Average equity | $17,406,000 | 3,661 |
| Average total loans | $11,167,000 | 7,881 |