Home > AFFINITY BANK > Performance and Condition Ratios
AFFINITY BANK, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6504% | 2,469 |
| Cost of funding earning assets | 1.3572% | 641 |
| Net interest margin | 3.2932% | 4,007 |
| Noninterest income to average assets | 0.0360% | 5,063 |
| Noninterest expense to average assets | 2.2422% | 4,082 |
| Loan and lease loss provision to assets | 0.0265% | 3,484 |
| Net operating income to assets | 0.6571% | 3,997 |
| Return on assets (ROA) | 0.6571% | 4,068 |
| Pretax return on assets | 0.8613% | 3,851 |
| Return on Equity (ROE) | 6.2912% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.2912% | 1,725 |
| Net charge-offs to loans | 0.0461% | 2,465 |
| Credit loss provision to net charge-offs | 71.5517% | 2,892 |
| Earnings coverage of net charge-offs (x) | 23.9914% | 1,793 |
| Efficiency ratio | 71.6368% | 1,920 |
| Assets per employee ($millions) | 10.9027% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,060 |
| Loan loss allowance to noncurrent loans | 5,415.3846% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 3,388 |
| Noncurrent loans to loans | 0.0199% | 4,487 |
| Net loans and leases to total assets | 78.8911% | 951 |
| Net loans and leases to deposits | 101.9647% | 469 |
| Net loans and leases to core deposits | 104.4760% | 1,201 |
| Total domestic deposits to total assets | 77.3710% | 4,451 |
| Equity capital to assets | 10.3339% | 3,600 |
| Core capital (leverage) ratio | 9.4279% | 4,135 |
| Tier 1 risk-based capital ratio | 10.7884% | 4,932 |
| Total risk-based capital ratio | 11.7504% | 4,943 |
| Memoranda: | ||
| Average total assets | $313,489,200 | 2,082 |
| Average earning assets | $294,513,000 | 2,062 |
| Average equity | $32,744,200 | 2,259 |
| Average total loans | $251,827,200 | 1,817 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 2,475 |
| Cost of funding earning assets | 1.3095% | 760 |
| Net interest margin | 3.3726% | 3,936 |
| Noninterest income to average assets | 0.1041% | 4,971 |
| Noninterest expense to average assets | 2.2234% | 4,141 |
| Loan and lease loss provision to assets | 0.0357% | 3,176 |
| Net operating income to assets | 0.7559% | 3,833 |
| Return on assets (ROA) | 0.7559% | 3,897 |
| Pretax return on assets | 1.0031% | 3,590 |
| Return on Equity (ROE) | 7.2165% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.2165% | 1,751 |
| Net charge-offs to loans | 0.0598% | 1,965 |
| Credit loss provision to net charge-offs | 74.1071% | 2,576 |
| Earnings coverage of net charge-offs (x) | 21.5714% | 1,906 |
| Efficiency ratio | 68.1561% | 2,386 |
| Assets per employee ($millions) | 11.3139% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,047 |
| Loan loss allowance to noncurrent loans | 3,710.5263% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 2,713 |
| Noncurrent loans to loans | 0.0295% | 4,538 |
| Net loans and leases to total assets | 77.5308% | 1,222 |
| Net loans and leases to deposits | 101.1749% | 547 |
| Net loans and leases to core deposits | 103.6754% | 1,351 |
| Total domestic deposits to total assets | 76.6304% | 4,568 |
| Equity capital to assets | 10.2121% | 3,806 |
| Core capital (leverage) ratio | 9.8322% | 3,803 |
| Tier 1 risk-based capital ratio | 10.7470% | 5,003 |
| Total risk-based capital ratio | 11.7172% | 5,009 |
| Memoranda: | ||
| Average total assets | $310,091,500 | 2,116 |
| Average earning assets | $290,374,750 | 2,099 |
| Average equity | $32,480,250 | 2,284 |
| Average total loans | $249,570,750 | 1,842 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 2,390 |
| Cost of funding earning assets | 1.2807% | 784 |
| Net interest margin | 3.4096% | 3,867 |
| Noninterest income to average assets | 0.1500% | 4,830 |
| Noninterest expense to average assets | 2.2316% | 4,167 |
| Loan and lease loss provision to assets | 0.0546% | 2,731 |
| Net operating income to assets | 0.7991% | 3,656 |
| Return on assets (ROA) | 0.7991% | 3,717 |
| Pretax return on assets | 1.0523% | 3,375 |
| Return on Equity (ROE) | 7.5611% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.5611% | 1,572 |
| Net charge-offs to loans | -0.0113% | 4,362 |
| Credit loss provision to net charge-offs | -592.8571% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8440% | 2,703 |
| Assets per employee ($millions) | 10.9836% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 2,659 |
| Loan loss allowance to noncurrent loans | 2,946.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 2,432 |
| Noncurrent loans to loans | 0.0398% | 4,512 |
| Net loans and leases to total assets | 80.7275% | 768 |
| Net loans and leases to deposits | 109.0913% | 237 |
| Net loans and leases to core deposits | 112.2337% | 857 |
| Total domestic deposits to total assets | 74.0000% | 4,833 |
| Equity capital to assets | 10.7117% | 3,336 |
| Core capital (leverage) ratio | 9.9276% | 3,664 |
| Tier 1 risk-based capital ratio | 10.7800% | 5,001 |
| Total risk-based capital ratio | 11.8207% | 4,995 |
| Memoranda: | ||
| Average total assets | $304,088,000 | 2,164 |
| Average earning assets | $284,377,670 | 2,140 |
| Average equity | $32,138,330 | 2,292 |
| Average total loans | $247,027,670 | 1,862 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 2,381 |
| Cost of funding earning assets | 1.2679% | 734 |
| Net interest margin | 3.3806% | 3,935 |
| Noninterest income to average assets | 0.1535% | 4,823 |
| Noninterest expense to average assets | 2.1987% | 4,259 |
| Loan and lease loss provision to assets | 0.1098% | 1,624 |
| Net operating income to assets | 0.7633% | 3,737 |
| Return on assets (ROA) | 0.7633% | 3,783 |
| Pretax return on assets | 1.0054% | 3,416 |
| Return on Equity (ROE) | 7.2725% | 3,562 |
| Retained earnings to average equity (ytd only) | 7.2725% | 1,943 |
| Net charge-offs to loans | -0.0229% | 4,538 |
| Credit loss provision to net charge-offs | -592.8571% | 3,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3473% | 2,893 |
| Assets per employee ($millions) | 11.3717% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,714 |
| Loan loss allowance to noncurrent loans | 2,375.8065% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 2,447 |
| Noncurrent loans to loans | 0.0494% | 4,546 |
| Net loans and leases to total assets | 77.8438% | 1,187 |
| Net loans and leases to deposits | 104.5690% | 375 |
| Net loans and leases to core deposits | 107.0096% | 1,102 |
| Total domestic deposits to total assets | 74.4425% | 4,900 |
| Equity capital to assets | 10.1090% | 3,717 |
| Core capital (leverage) ratio | 9.7023% | 3,915 |
| Tier 1 risk-based capital ratio | 10.5693% | 5,161 |
| Total risk-based capital ratio | 11.6186% | 5,128 |
| Memoranda: | ||
| Average total assets | $302,361,000 | 2,189 |
| Average earning assets | $282,671,000 | 2,157 |
| Average equity | $31,736,000 | 2,315 |
| Average total loans | $244,933,000 | 1,889 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 2,668 |
| Cost of funding earning assets | 0.9199% | 1,026 |
| Net interest margin | 3.5081% | 3,681 |
| Noninterest income to average assets | 0.1122% | 5,113 |
| Noninterest expense to average assets | 2.3141% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8022% | 3,797 |
| Return on assets (ROA) | 0.9605% | 3,175 |
| Pretax return on assets | 1.2883% | 2,545 |
| Return on Equity (ROE) | 8.9726% | 3,012 |
| Retained earnings to average equity (ytd only) | 8.9726% | 876 |
| Net charge-offs to loans | -0.0067% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0228% | 2,541 |
| Assets per employee ($millions) | 10.6042% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,616 |
| Loan loss allowance to noncurrent loans | 882.0433% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 2,023 |
| Noncurrent loans to loans | 0.1351% | 4,132 |
| Net loans and leases to total assets | 82.5003% | 590 |
| Net loans and leases to deposits | 112.6166% | 191 |
| Net loans and leases to core deposits | 115.0252% | 733 |
| Total domestic deposits to total assets | 73.2577% | 4,992 |
| Equity capital to assets | 10.9265% | 2,761 |
| Core capital (leverage) ratio | 10.1050% | 3,457 |
| Tier 1 risk-based capital ratio | 11.0150% | 4,975 |
| Total risk-based capital ratio | 12.1004% | 4,932 |
| Memoranda: | ||
| Average total assets | $278,903,400 | 2,274 |
| Average earning assets | $261,537,800 | 2,257 |
| Average equity | $29,857,600 | 2,343 |
| Average total loans | $224,655,600 | 1,992 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 2,771 |
| Cost of funding earning assets | 0.8768% | 1,008 |
| Net interest margin | 3.4789% | 3,767 |
| Noninterest income to average assets | 0.0857% | 5,260 |
| Noninterest expense to average assets | 2.3326% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7477% | 4,080 |
| Return on assets (ROA) | 0.8917% | 3,578 |
| Pretax return on assets | 1.1988% | 2,991 |
| Return on Equity (ROE) | 8.3746% | 3,392 |
| Retained earnings to average equity (ytd only) | 8.3746% | 1,483 |
| Net charge-offs to loans | -0.0072% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6508% | 2,247 |
| Assets per employee ($millions) | 10.4310% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,441 |
| Loan loss allowance to noncurrent loans | 1,626.2857% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 2,331 |
| Noncurrent loans to loans | 0.0758% | 4,539 |
| Net loans and leases to total assets | 78.0995% | 1,330 |
| Net loans and leases to deposits | 108.9608% | 320 |
| Net loans and leases to core deposits | 111.4198% | 946 |
| Total domestic deposits to total assets | 71.6767% | 5,150 |
| Equity capital to assets | 10.3897% | 3,246 |
| Core capital (leverage) ratio | 9.7790% | 3,863 |
| Tier 1 risk-based capital ratio | 10.8281% | 5,118 |
| Total risk-based capital ratio | 11.9344% | 5,091 |
| Memoranda: | ||
| Average total assets | $277,050,750 | 2,300 |
| Average earning assets | $259,882,000 | 2,279 |
| Average equity | $29,501,000 | 2,369 |
| Average total loans | $221,054,750 | 2,019 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 2,792 |
| Cost of funding earning assets | 0.8256% | 1,024 |
| Net interest margin | 3.4656% | 3,749 |
| Noninterest income to average assets | 0.1125% | 5,224 |
| Noninterest expense to average assets | 2.3599% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7469% | 4,043 |
| Return on assets (ROA) | 0.7469% | 4,045 |
| Pretax return on assets | 0.9991% | 3,664 |
| Return on Equity (ROE) | 6.9542% | 3,917 |
| Retained earnings to average equity (ytd only) | 6.9542% | 2,097 |
| Net charge-offs to loans | -0.0073% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2561% | 2,267 |
| Assets per employee ($millions) | 9.8579% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,411 |
| Loan loss allowance to noncurrent loans | 1,105.8366% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 2,173 |
| Noncurrent loans to loans | 0.1134% | 4,400 |
| Net loans and leases to total assets | 78.2814% | 1,267 |
| Net loans and leases to deposits | 108.4632% | 335 |
| Net loans and leases to core deposits | 111.2691% | 917 |
| Total domestic deposits to total assets | 72.1732% | 5,170 |
| Equity capital to assets | 10.3771% | 3,242 |
| Core capital (leverage) ratio | 9.6319% | 3,962 |
| Tier 1 risk-based capital ratio | 10.4503% | 5,292 |
| Total risk-based capital ratio | 11.5553% | 5,258 |
| Memoranda: | ||
| Average total assets | $272,045,330 | 2,336 |
| Average earning assets | $254,848,000 | 2,322 |
| Average equity | $29,219,670 | 2,400 |
| Average total loans | $217,756,670 | 2,055 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 2,835 |
| Cost of funding earning assets | 0.7309% | 1,285 |
| Net interest margin | 3.4850% | 3,587 |
| Noninterest income to average assets | 0.1448% | 5,143 |
| Noninterest expense to average assets | 2.2978% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8253% | 3,607 |
| Return on assets (ROA) | 0.8253% | 3,618 |
| Pretax return on assets | 1.1059% | 3,153 |
| Return on Equity (ROE) | 7.5457% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.5457% | 2,023 |
| Net charge-offs to loans | -0.0075% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5089% | 2,916 |
| Assets per employee ($millions) | 9.3358% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,311 |
| Loan loss allowance to noncurrent loans | 921.4286% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 2,001 |
| Noncurrent loans to loans | 0.1395% | 4,341 |
| Net loans and leases to total assets | 80.5077% | 871 |
| Net loans and leases to deposits | 106.9504% | 349 |
| Net loans and leases to core deposits | 108.5824% | 1,083 |
| Total domestic deposits to total assets | 75.2757% | 5,044 |
| Equity capital to assets | 10.7938% | 2,773 |
| Core capital (leverage) ratio | 10.1733% | 3,336 |
| Tier 1 risk-based capital ratio | 10.5492% | 5,336 |
| Total risk-based capital ratio | 11.6906% | 5,290 |
| Memoranda: | ||
| Average total assets | $265,128,500 | 2,400 |
| Average earning assets | $247,923,000 | 2,398 |
| Average equity | $28,996,500 | 2,436 |
| Average total loans | $213,319,000 | 2,090 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 2,869 |
| Cost of funding earning assets | 0.8350% | 517 |
| Net interest margin | 3.3181% | 4,103 |
| Noninterest income to average assets | 0.1614% | 5,150 |
| Noninterest expense to average assets | 2.2339% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0673% | 5,398 |
| Return on assets (ROA) | 0.0528% | 5,313 |
| Pretax return on assets | 1.1773% | 2,862 |
| Return on Equity (ROE) | 0.6935% | 5,286 |
| Retained earnings to average equity (ytd only) | 0.6935% | 4,762 |
| Net charge-offs to loans | -0.1038% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2978% | 2,651 |
| Assets per employee ($millions) | 9.6118% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,850 |
| Loan loss allowance to noncurrent loans | 848.2036% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 1,872 |
| Noncurrent loans to loans | 0.1623% | 4,280 |
| Net loans and leases to total assets | 78.2224% | 1,258 |
| Net loans and leases to deposits | 100.1955% | 715 |
| Net loans and leases to core deposits | 101.6016% | 1,579 |
| Total domestic deposits to total assets | 78.0698% | 4,705 |
| Equity capital to assets | 11.0859% | 2,553 |
| Core capital (leverage) ratio | 9.3747% | 4,195 |
| Tier 1 risk-based capital ratio | 10.9995% | 5,148 |
| Total risk-based capital ratio | 12.2227% | 5,040 |
| Memoranda: | ||
| Average total assets | $263,312,000 | 2,381 |
| Average earning assets | $243,000,200 | 2,400 |
| Average equity | $20,044,400 | 3,142 |
| Average total loans | $207,218,800 | 2,102 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 2,840 |
| Cost of funding earning assets | 0.8362% | 480 |
| Net interest margin | 3.3024% | 4,169 |
| Noninterest income to average assets | 0.1453% | 5,282 |
| Noninterest expense to average assets | 2.2230% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6044% | 4,376 |
| Return on assets (ROA) | 0.7639% | 3,735 |
| Pretax return on assets | 1.2124% | 2,848 |
| Return on Equity (ROE) | 11.3006% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.3006% | 367 |
| Net charge-offs to loans | -0.0874% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7704% | 2,572 |
| Assets per employee ($millions) | 10.8334% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 2,160 |
| Loan loss allowance to noncurrent loans | 760.7735% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 1,997 |
| Noncurrent loans to loans | 0.1763% | 4,366 |
| Net loans and leases to total assets | 74.8182% | 1,787 |
| Net loans and leases to deposits | 94.5038% | 1,244 |
| Net loans and leases to core deposits | 95.4030% | 2,134 |
| Total domestic deposits to total assets | 79.1696% | 4,503 |
| Equity capital to assets | 6.8983% | 5,668 |
| Core capital (leverage) ratio | 5.2389% | 5,715 |
| Tier 1 risk-based capital ratio | 6.0530% | 5,726 |
| Total risk-based capital ratio | 7.2329% | 5,725 |
| Memoranda: | ||
| Average total assets | $264,260,250 | 2,398 |
| Average earning assets | $243,330,250 | 2,414 |
| Average equity | $17,863,000 | 3,419 |
| Average total loans | $207,564,750 | 2,104 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 2,513 |
| Cost of funding earning assets | 0.8229% | 465 |
| Net interest margin | 3.3664% | 3,892 |
| Noninterest income to average assets | 0.1732% | 5,186 |
| Noninterest expense to average assets | 2.2460% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6371% | 4,137 |
| Return on assets (ROA) | 0.8784% | 3,082 |
| Pretax return on assets | 1.3981% | 2,028 |
| Return on Equity (ROE) | 13.0872% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.0872% | 248 |
| Net charge-offs to loans | -0.1027% | 5,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7456% | 2,884 |
| Assets per employee ($millions) | 10.0393% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,367 |
| Loan loss allowance to noncurrent loans | 684.6734% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.9784% | 1,795 |
| Noncurrent loans to loans | 0.1912% | 4,352 |
| Net loans and leases to total assets | 75.7699% | 1,576 |
| Net loans and leases to deposits | 96.7346% | 1,003 |
| Net loans and leases to core deposits | 97.3841% | 1,863 |
| Total domestic deposits to total assets | 78.3277% | 4,762 |
| Equity capital to assets | 6.7516% | 5,724 |
| Core capital (leverage) ratio | 5.1697% | 5,767 |
| Tier 1 risk-based capital ratio | 5.8128% | 5,778 |
| Total risk-based capital ratio | 6.9722% | 5,777 |
| Memoranda: | ||
| Average total assets | $262,068,670 | 2,423 |
| Average earning assets | $240,852,670 | 2,442 |
| Average equity | $17,589,670 | 3,456 |
| Average total loans | $208,290,330 | 2,100 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2109% | 2,237 |
| Cost of funding earning assets | 0.8059% | 470 |
| Net interest margin | 3.4050% | 3,639 |
| Noninterest income to average assets | 0.1957% | 5,097 |
| Noninterest expense to average assets | 2.2891% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6460% | 3,945 |
| Return on assets (ROA) | 0.6460% | 3,983 |
| Pretax return on assets | 1.0234% | 3,269 |
| Return on Equity (ROE) | 9.6553% | 2,120 |
| Retained earnings to average equity (ytd only) | 9.6553% | 891 |
| Net charge-offs to loans | -0.0518% | 5,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1045% | 3,025 |
| Assets per employee ($millions) | 10.0202% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,907 |
| Loan loss allowance to noncurrent loans | 610.8545% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 1,839 |
| Noncurrent loans to loans | 0.2024% | 4,398 |
| Net loans and leases to total assets | 78.0969% | 1,125 |
| Net loans and leases to deposits | 95.1546% | 995 |
| Net loans and leases to core deposits | 95.4823% | 1,854 |
| Total domestic deposits to total assets | 82.0737% | 4,150 |
| Equity capital to assets | 6.4621% | 5,793 |
| Core capital (leverage) ratio | 4.8174% | 5,835 |
| Tier 1 risk-based capital ratio | 5.1370% | 5,846 |
| Total risk-based capital ratio | 6.2364% | 5,846 |
| Memoranda: | ||
| Average total assets | $257,573,000 | 2,480 |
| Average earning assets | $235,769,000 | 2,507 |
| Average equity | $17,234,000 | 3,511 |
| Average total loans | $208,382,000 | 2,115 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,035 |
| Cost of funding earning assets | 0.9527% | 225 |
| Net interest margin | 3.0942% | 4,740 |
| Noninterest income to average assets | -1.1732% | 5,910 |
| Noninterest expense to average assets | 2.5497% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.5707% | 5,797 |
| Return on assets (ROA) | -0.5707% | 5,801 |
| Pretax return on assets | -0.9299% | 5,828 |
| Return on Equity (ROE) | -8.3002% | 5,823 |
| Retained earnings to average equity (ytd only) | -8.3002% | 5,760 |
| Net charge-offs to loans | -0.0992% | 5,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.4123% | 29 |
| Assets per employee ($millions) | 9.7840% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,601 |
| Loan loss allowance to noncurrent loans | 566.6667% | 960 |
| Noncurrent assets plus other real estate owned to assets | 1.5249% | 1,080 |
| Noncurrent loans to loans | 0.2278% | 4,335 |
| Net loans and leases to total assets | 81.8532% | 624 |
| Net loans and leases to deposits | 100.5757% | 635 |
| Net loans and leases to core deposits | 100.9611% | 1,545 |
| Total domestic deposits to total assets | 81.3847% | 4,238 |
| Equity capital to assets | 6.9440% | 5,806 |
| Core capital (leverage) ratio | 4.7136% | 5,885 |
| Tier 1 risk-based capital ratio | 5.1719% | 5,896 |
| Total risk-based capital ratio | 6.3273% | 5,897 |
| Memoranda: | ||
| Average total assets | $258,618,400 | 2,450 |
| Average earning assets | $233,440,400 | 2,485 |
| Average equity | $17,782,800 | 3,439 |
| Average total loans | $196,559,000 | 2,145 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 3,274 |
| Cost of funding earning assets | 1.0110% | 162 |
| Net interest margin | 2.9754% | 5,060 |
| Noninterest income to average assets | -1.5300% | 5,979 |
| Noninterest expense to average assets | 2.6420% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.9115% | 5,897 |
| Return on assets (ROA) | -0.9115% | 5,901 |
| Pretax return on assets | -1.4909% | 5,925 |
| Return on Equity (ROE) | -13.2868% | 5,921 |
| Retained earnings to average equity (ytd only) | -13.2868% | 5,880 |
| Net charge-offs to loans | -0.0410% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 229.5183% | 7 |
| Assets per employee ($millions) | 10.4950% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,965 |
| Loan loss allowance to noncurrent loans | 505.7026% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 2.3277% | 608 |
| Noncurrent loans to loans | 0.2470% | 4,381 |
| Net loans and leases to total assets | 77.9355% | 1,211 |
| Net loans and leases to deposits | 95.7945% | 1,070 |
| Net loans and leases to core deposits | 96.5369% | 1,938 |
| Total domestic deposits to total assets | 81.3570% | 4,148 |
| Equity capital to assets | 6.6937% | 5,908 |
| Core capital (leverage) ratio | 4.9362% | 5,949 |
| Tier 1 risk-based capital ratio | 5.4091% | 5,965 |
| Total risk-based capital ratio | 6.4981% | 5,967 |
| Memoranda: | ||
| Average total assets | $262,123,000 | 2,423 |
| Average earning assets | $236,194,750 | 2,473 |
| Average equity | $17,982,250 | 3,438 |
| Average total loans | $194,991,000 | 2,163 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 3,507 |
| Cost of funding earning assets | 1.0344% | 137 |
| Net interest margin | 2.8932% | 5,280 |
| Noninterest income to average assets | -0.3947% | 6,047 |
| Noninterest expense to average assets | 2.3115% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0497% | 5,794 |
| Return on assets (ROA) | -0.0497% | 5,815 |
| Pretax return on assets | -0.1002% | 5,828 |
| Return on Equity (ROE) | -0.7191% | 5,826 |
| Retained earnings to average equity (ytd only) | -0.7191% | 5,401 |
| Net charge-offs to loans | -0.0227% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5300% | 184 |
| Assets per employee ($millions) | 11.0242% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,917 |
| Loan loss allowance to noncurrent loans | 392.4559% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 3.3612% | 331 |
| Noncurrent loans to loans | 0.3251% | 4,202 |
| Net loans and leases to total assets | 71.5025% | 2,250 |
| Net loans and leases to deposits | 88.8662% | 1,880 |
| Net loans and leases to core deposits | 89.5282% | 2,584 |
| Total domestic deposits to total assets | 80.4608% | 4,425 |
| Equity capital to assets | 6.9960% | 5,962 |
| Core capital (leverage) ratio | 5.3445% | 6,020 |
| Tier 1 risk-based capital ratio | 6.2972% | 6,036 |
| Total risk-based capital ratio | 7.3826% | 6,040 |
| Memoranda: | ||
| Average total assets | $265,537,330 | 2,422 |
| Average earning assets | $239,184,000 | 2,461 |
| Average equity | $18,356,330 | 3,389 |
| Average total loans | $193,725,670 | 2,177 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 3,394 |
| Cost of funding earning assets | 1.0358% | 133 |
| Net interest margin | 2.9169% | 5,297 |
| Noninterest income to average assets | -0.8932% | 6,116 |
| Noninterest expense to average assets | 2.2811% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3278% | 5,926 |
| Return on assets (ROA) | -0.3278% | 5,932 |
| Pretax return on assets | -0.5488% | 5,973 |
| Return on Equity (ROE) | -4.7704% | 5,967 |
| Retained earnings to average equity (ytd only) | -4.7704% | 5,597 |
| Net charge-offs to loans | -0.0493% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.6840% | 68 |
| Assets per employee ($millions) | 11.0052% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,116 |
| Loan loss allowance to noncurrent loans | 255.9623% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 3.3955% | 343 |
| Noncurrent loans to loans | 0.4924% | 3,700 |
| Net loans and leases to total assets | 69.6741% | 2,395 |
| Net loans and leases to deposits | 85.2770% | 2,158 |
| Net loans and leases to core deposits | 85.8775% | 2,759 |
| Total domestic deposits to total assets | 81.7033% | 4,305 |
| Equity capital to assets | 6.6248% | 6,033 |
| Core capital (leverage) ratio | 5.3634% | 6,082 |
| Tier 1 risk-based capital ratio | 6.1181% | 6,097 |
| Total risk-based capital ratio | 7.1866% | 6,098 |
| Memoranda: | ||
| Average total assets | $266,015,500 | 2,423 |
| Average earning assets | $239,431,500 | 2,470 |
| Average equity | $18,279,500 | 3,402 |
| Average total loans | $194,775,000 | 2,164 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,114 |
| Cost of funding earning assets | 1.1336% | 79 |
| Net interest margin | 2.9163% | 5,307 |
| Noninterest income to average assets | -0.1321% | 6,151 |
| Noninterest expense to average assets | 2.4016% | 4,511 |
| Loan and lease loss provision to assets | 0.0583% | 3,147 |
| Net operating income to assets | 2.3095% | 203 |
| Return on assets (ROA) | 2.3095% | 209 |
| Pretax return on assets | 0.0330% | 5,868 |
| Return on Equity (ROE) | 42.9091% | 21 |
| Retained earnings to average equity (ytd only) | 42.9091% | 8 |
| Net charge-offs to loans | 0.3807% | 754 |
| Credit loss provision to net charge-offs | 20.4360% | 3,743 |
| Earnings coverage of net charge-offs (x) | 0.3202% | 4,239 |
| Efficiency ratio | 96.3384% | 385 |
| Assets per employee ($millions) | 10.2760% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 3,248 |
| Loan loss allowance to noncurrent loans | 134.3126% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 4.4181% | 222 |
| Noncurrent loans to loans | 0.9232% | 2,494 |
| Net loans and leases to total assets | 75.1207% | 1,547 |
| Net loans and leases to deposits | 92.6975% | 1,325 |
| Net loans and leases to core deposits | 93.4018% | 2,098 |
| Total domestic deposits to total assets | 81.0385% | 4,471 |
| Equity capital to assets | 7.1359% | 6,035 |
| Core capital (leverage) ratio | 5.5704% | 6,132 |
| Tier 1 risk-based capital ratio | 6.2510% | 6,155 |
| Total risk-based capital ratio | 7.3170% | 6,159 |
| Memoranda: | ||
| Average total assets | $257,457,000 | 2,439 |
| Average earning assets | $231,732,000 | 2,500 |
| Average equity | $13,857,200 | 3,999 |
| Average total loans | $192,823,000 | 2,139 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,108 |
| Cost of funding earning assets | 1.1370% | 79 |
| Net interest margin | 2.9209% | 5,371 |
| Noninterest income to average assets | 0.3266% | 4,598 |
| Noninterest expense to average assets | 2.4063% | 4,495 |
| Loan and lease loss provision to assets | 0.0776% | 2,628 |
| Net operating income to assets | 0.4741% | 4,877 |
| Return on assets (ROA) | 0.4741% | 4,981 |
| Pretax return on assets | 0.4741% | 5,284 |
| Return on Equity (ROE) | 9.5875% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.5875% | 718 |
| Net charge-offs to loans | 0.4676% | 536 |
| Credit loss provision to net charge-offs | 22.2552% | 3,349 |
| Earnings coverage of net charge-offs (x) | 1.5816% | 3,805 |
| Efficiency ratio | 81.3473% | 1,483 |
| Assets per employee ($millions) | 10.0168% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 3,283 |
| Loan loss allowance to noncurrent loans | 103.6311% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 6.1182% | 134 |
| Noncurrent loans to loans | 1.2202% | 2,093 |
| Net loans and leases to total assets | 74.4457% | 1,651 |
| Net loans and leases to deposits | 90.2026% | 1,617 |
| Net loans and leases to core deposits | 91.5100% | 2,313 |
| Total domestic deposits to total assets | 82.5317% | 3,976 |
| Equity capital to assets | 5.1344% | 6,226 |
| Core capital (leverage) ratio | 5.1817% | 6,226 |
| Tier 1 risk-based capital ratio | 5.8076% | 6,248 |
| Total risk-based capital ratio | 6.8796% | 6,250 |
| Memoranda: | ||
| Average total assets | $257,596,250 | 2,457 |
| Average earning assets | $232,065,250 | 2,507 |
| Average equity | $12,738,500 | 4,230 |
| Average total loans | $192,176,750 | 2,158 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,463 |
| Cost of funding earning assets | 1.1491% | 75 |
| Net interest margin | 2.8078% | 5,601 |
| Noninterest income to average assets | 0.4317% | 3,839 |
| Noninterest expense to average assets | 2.3838% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5728% | 4,458 |
| Return on assets (ROA) | 0.5728% | 4,561 |
| Pretax return on assets | 0.5728% | 5,040 |
| Return on Equity (ROE) | 11.7343% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.7343% | 426 |
| Net charge-offs to loans | 0.3963% | 655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.9444% | 3,425 |
| Efficiency ratio | 80.6273% | 1,669 |
| Assets per employee ($millions) | 10.3792% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 2,907 |
| Loan loss allowance to noncurrent loans | 90.2196% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 6.4818% | 140 |
| Noncurrent loans to loans | 1.5138% | 1,756 |
| Net loans and leases to total assets | 73.1706% | 1,791 |
| Net loans and leases to deposits | 89.0945% | 1,707 |
| Net loans and leases to core deposits | 90.7875% | 2,263 |
| Total domestic deposits to total assets | 82.1269% | 4,252 |
| Equity capital to assets | 4.9437% | 6,301 |
| Core capital (leverage) ratio | 5.0853% | 6,298 |
| Tier 1 risk-based capital ratio | 5.7330% | 6,323 |
| Total risk-based capital ratio | 6.8705% | 6,324 |
| Memoranda: | ||
| Average total assets | $256,649,000 | 2,483 |
| Average earning assets | $230,781,670 | 2,533 |
| Average equity | $12,527,330 | 4,285 |
| Average total loans | $190,779,670 | 2,176 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 3,535 |
| Cost of funding earning assets | 1.1484% | 73 |
| Net interest margin | 2.7672% | 5,707 |
| Noninterest income to average assets | 0.5078% | 3,238 |
| Noninterest expense to average assets | 2.3743% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6222% | 4,188 |
| Return on assets (ROA) | 0.6222% | 4,284 |
| Pretax return on assets | 0.6222% | 4,853 |
| Return on Equity (ROE) | 12.8302% | 1,132 |
| Retained earnings to average equity (ytd only) | 12.8302% | 467 |
| Net charge-offs to loans | 0.5097% | 493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.6405% | 2,889 |
| Efficiency ratio | 79.2364% | 1,992 |
| Assets per employee ($millions) | 10.8300% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 2,755 |
| Loan loss allowance to noncurrent loans | 99.3532% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 6.5036% | 149 |
| Noncurrent loans to loans | 1.4472% | 1,970 |
| Net loans and leases to total assets | 72.9239% | 1,668 |
| Net loans and leases to deposits | 86.5766% | 1,766 |
| Net loans and leases to core deposits | 88.9748% | 2,226 |
| Total domestic deposits to total assets | 84.2305% | 3,720 |
| Equity capital to assets | 4.8557% | 6,375 |
| Core capital (leverage) ratio | 5.0858% | 6,364 |
| Tier 1 risk-based capital ratio | 5.5892% | 6,394 |
| Total risk-based capital ratio | 6.7861% | 6,394 |
| Memoranda: | ||
| Average total assets | $255,233,500 | 2,507 |
| Average earning assets | $229,546,500 | 2,561 |
| Average equity | $12,377,000 | 4,341 |
| Average total loans | $189,923,500 | 2,184 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 4,099 |
| Cost of funding earning assets | 1.1340% | 112 |
| Net interest margin | 2.7733% | 5,846 |
| Noninterest income to average assets | 0.1994% | 5,664 |
| Noninterest expense to average assets | 2.3724% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3314% | 5,438 |
| Return on assets (ROA) | 0.3314% | 5,505 |
| Pretax return on assets | 0.3314% | 5,640 |
| Return on Equity (ROE) | 7.6773% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.6773% | 1,128 |
| Net charge-offs to loans | 0.1384% | 2,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.3120% | 3,922 |
| Efficiency ratio | 87.7418% | 1,015 |
| Assets per employee ($millions) | 10.0219% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 2,078 |
| Loan loss allowance to noncurrent loans | 54.4450% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 7.5327% | 128 |
| Noncurrent loans to loans | 2.9450% | 771 |
| Net loans and leases to total assets | 73.6514% | 1,647 |
| Net loans and leases to deposits | 86.5360% | 1,913 |
| Net loans and leases to core deposits | 89.1089% | 2,372 |
| Total domestic deposits to total assets | 85.1106% | 3,243 |
| Equity capital to assets | 4.8426% | 6,462 |
| Core capital (leverage) ratio | 4.8403% | 6,460 |
| Tier 1 risk-based capital ratio | 5.7562% | 6,482 |
| Total risk-based capital ratio | 7.0078% | 6,481 |
| Memoranda: | ||
| Average total assets | $265,807,000 | 2,376 |
| Average earning assets | $240,040,000 | 2,431 |
| Average equity | $11,475,400 | 4,464 |
| Average total loans | $192,206,800 | 2,095 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8056% | 4,524 |
| Cost of funding earning assets | 1.1154% | 131 |
| Net interest margin | 2.6902% | 6,018 |
| Noninterest income to average assets | 0.1137% | 6,192 |
| Noninterest expense to average assets | 2.2500% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2957% | 5,597 |
| Return on assets (ROA) | 0.2957% | 5,670 |
| Pretax return on assets | 0.2957% | 5,784 |
| Return on Equity (ROE) | 7.0490% | 3,691 |
| Retained earnings to average equity (ytd only) | 7.0490% | 1,796 |
| Net charge-offs to loans | 0.0924% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.4627% | 3,453 |
| Efficiency ratio | 88.3838% | 965 |
| Assets per employee ($millions) | 10.0467% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 2,163 |
| Loan loss allowance to noncurrent loans | 35.9153% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 7.7576% | 139 |
| Noncurrent loans to loans | 4.5689% | 427 |
| Net loans and leases to total assets | 72.0307% | 1,844 |
| Net loans and leases to deposits | 85.5308% | 1,963 |
| Net loans and leases to core deposits | 87.9891% | 2,435 |
| Total domestic deposits to total assets | 84.2161% | 3,677 |
| Equity capital to assets | 4.5101% | 6,536 |
| Core capital (leverage) ratio | 4.6224% | 6,540 |
| Tier 1 risk-based capital ratio | 5.5807% | 6,555 |
| Total risk-based capital ratio | 6.8331% | 6,556 |
| Memoranda: | ||
| Average total assets | $269,621,750 | 2,377 |
| Average earning assets | $243,739,000 | 2,412 |
| Average equity | $11,311,000 | 4,528 |
| Average total loans | $193,373,750 | 2,098 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 4,647 |
| Cost of funding earning assets | 1.0851% | 161 |
| Net interest margin | 2.6786% | 6,071 |
| Noninterest income to average assets | 0.0969% | 6,297 |
| Noninterest expense to average assets | 2.1922% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3223% | 5,488 |
| Return on assets (ROA) | 0.3223% | 5,565 |
| Pretax return on assets | 0.3223% | 5,742 |
| Return on Equity (ROE) | 7.8714% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.8714% | 1,377 |
| Net charge-offs to loans | 0.1484% | 2,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.0486% | 3,400 |
| Efficiency ratio | 87.1825% | 1,167 |
| Assets per employee ($millions) | 10.7055% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 2,472 |
| Loan loss allowance to noncurrent loans | 29.4162% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 8.3232% | 127 |
| Noncurrent loans to loans | 5.4279% | 342 |
| Net loans and leases to total assets | 72.0529% | 1,737 |
| Net loans and leases to deposits | 86.9805% | 1,710 |
| Net loans and leases to core deposits | 89.6451% | 2,159 |
| Total domestic deposits to total assets | 82.8380% | 4,368 |
| Equity capital to assets | 4.3245% | 6,606 |
| Core capital (leverage) ratio | 4.4892% | 6,602 |
| Tier 1 risk-based capital ratio | 5.3744% | 6,623 |
| Total risk-based capital ratio | 6.6262% | 6,624 |
| Memoranda: | ||
| Average total assets | $272,424,000 | 2,357 |
| Average earning assets | $245,876,330 | 2,389 |
| Average equity | $11,154,330 | 4,567 |
| Average total loans | $194,067,000 | 2,097 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 4,723 |
| Cost of funding earning assets | 1.0785% | 179 |
| Net interest margin | 2.6575% | 6,166 |
| Noninterest income to average assets | 0.0859% | 6,376 |
| Noninterest expense to average assets | 2.1964% | 5,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2853% | 5,548 |
| Return on assets (ROA) | 0.2853% | 5,591 |
| Pretax return on assets | 0.2853% | 5,749 |
| Return on Equity (ROE) | 7.1634% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.1634% | 1,951 |
| Net charge-offs to loans | -0.0145% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5044% | 1,176 |
| Assets per employee ($millions) | 11.2923% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 2,342 |
| Loan loss allowance to noncurrent loans | 33.2995% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 7.9512% | 167 |
| Noncurrent loans to loans | 5.1168% | 429 |
| Net loans and leases to total assets | 69.8202% | 1,926 |
| Net loans and leases to deposits | 83.7219% | 1,852 |
| Net loans and leases to core deposits | 86.2316% | 2,299 |
| Total domestic deposits to total assets | 83.3954% | 4,478 |
| Equity capital to assets | 4.1071% | 6,668 |
| Core capital (leverage) ratio | 4.4058% | 6,666 |
| Tier 1 risk-based capital ratio | 5.3052% | 6,692 |
| Total risk-based capital ratio | 6.5577% | 6,693 |
| Memoranda: | ||
| Average total assets | $274,817,000 | 2,341 |
| Average earning assets | $247,750,000 | 2,371 |
| Average equity | $10,944,500 | 4,631 |
| Average total loans | $193,115,500 | 2,112 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 4,411 |
| Cost of funding earning assets | 1.1775% | 201 |
| Net interest margin | 2.7361% | 6,093 |
| Noninterest income to average assets | 0.0844% | 6,443 |
| Noninterest expense to average assets | 2.2930% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2368% | 5,725 |
| Return on assets (ROA) | 0.2660% | 5,717 |
| Pretax return on assets | 0.2660% | 5,812 |
| Return on Equity (ROE) | 7.4569% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.4569% | 1,250 |
| Net charge-offs to loans | 0.2555% | 2,438 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.3224% | 4,620 |
| Efficiency ratio | 90.6399% | 976 |
| Assets per employee ($millions) | 10.7161% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 2,432 |
| Loan loss allowance to noncurrent loans | 32.6940% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 7.8818% | 196 |
| Noncurrent loans to loans | 5.1676% | 468 |
| Net loans and leases to total assets | 68.3567% | 2,289 |
| Net loans and leases to deposits | 80.8090% | 2,344 |
| Net loans and leases to core deposits | 83.1611% | 2,758 |
| Total domestic deposits to total assets | 84.5904% | 3,929 |
| Equity capital to assets | 3.8612% | 6,746 |
| Core capital (leverage) ratio | 4.1080% | 6,748 |
| Tier 1 risk-based capital ratio | 5.1559% | 6,767 |
| Total risk-based capital ratio | 6.4084% | 6,769 |
| Memoranda: | ||
| Average total assets | $273,661,000 | 2,320 |
| Average earning assets | $244,579,000 | 2,380 |
| Average equity | $9,762,800 | 4,903 |
| Average total loans | $191,787,000 | 2,082 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 4,386 |
| Cost of funding earning assets | 1.2118% | 188 |
| Net interest margin | 2.7192% | 6,140 |
| Noninterest income to average assets | 0.1346% | 6,349 |
| Noninterest expense to average assets | 2.3228% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2388% | 5,810 |
| Return on assets (ROA) | 0.2780% | 5,794 |
| Pretax return on assets | 0.2780% | 5,920 |
| Return on Equity (ROE) | 7.9600% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.9600% | 1,422 |
| Net charge-offs to loans | -0.0293% | 6,155 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6763% | 939 |
| Assets per employee ($millions) | 10.5745% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 1,824 |
| Loan loss allowance to noncurrent loans | 32.8611% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 8.9723% | 178 |
| Noncurrent loans to loans | 5.9662% | 431 |
| Net loans and leases to total assets | 69.1881% | 2,102 |
| Net loans and leases to deposits | 80.7169% | 2,301 |
| Net loans and leases to core deposits | 82.8739% | 2,778 |
| Total domestic deposits to total assets | 85.7170% | 3,393 |
| Equity capital to assets | 3.4775% | 6,831 |
| Core capital (leverage) ratio | 4.0771% | 6,825 |
| Tier 1 risk-based capital ratio | 5.1057% | 6,845 |
| Total risk-based capital ratio | 6.3610% | 6,845 |
| Memoranda: | ||
| Average total assets | $272,421,750 | 2,339 |
| Average earning assets | $243,152,000 | 2,411 |
| Average equity | $9,514,000 | 5,029 |
| Average total loans | $191,302,000 | 2,086 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 4,308 |
| Cost of funding earning assets | 1.2116% | 205 |
| Net interest margin | 2.7331% | 6,127 |
| Noninterest income to average assets | 0.2077% | 5,960 |
| Noninterest expense to average assets | 2.3860% | 5,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2636% | 5,731 |
| Return on assets (ROA) | 0.3233% | 5,665 |
| Pretax return on assets | 0.3233% | 5,811 |
| Return on Equity (ROE) | 9.2437% | 2,522 |
| Retained earnings to average equity (ytd only) | 9.2437% | 1,049 |
| Net charge-offs to loans | -0.0410% | 6,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0500% | 1,053 |
| Assets per employee ($millions) | 10.5136% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 1,908 |
| Loan loss allowance to noncurrent loans | 30.8698% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 9.4965% | 166 |
| Noncurrent loans to loans | 6.3964% | 413 |
| Net loans and leases to total assets | 69.0303% | 2,060 |
| Net loans and leases to deposits | 79.8812% | 2,337 |
| Net loans and leases to core deposits | 87.3383% | 2,189 |
| Total domestic deposits to total assets | 86.4161% | 3,158 |
| Equity capital to assets | 3.4128% | 6,883 |
| Core capital (leverage) ratio | 4.2170% | 6,869 |
| Tier 1 risk-based capital ratio | 5.0558% | 6,895 |
| Total risk-based capital ratio | 6.3112% | 6,898 |
| Memoranda: | ||
| Average total assets | $271,583,670 | 2,354 |
| Average earning assets | $242,656,670 | 2,422 |
| Average equity | $9,498,330 | 5,057 |
| Average total loans | $190,393,670 | 2,099 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,928 |
| Cost of funding earning assets | 1.2464% | 196 |
| Net interest margin | 2.8006% | 6,034 |
| Noninterest income to average assets | 0.4389% | 4,187 |
| Noninterest expense to average assets | 2.4854% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4536% | 4,898 |
| Return on assets (ROA) | 0.4817% | 4,928 |
| Pretax return on assets | 0.4817% | 5,311 |
| Return on Equity (ROE) | 13.6074% | 1,033 |
| Retained earnings to average equity (ytd only) | 13.6074% | 484 |
| Net charge-offs to loans | -0.0761% | 6,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5651% | 1,694 |
| Assets per employee ($millions) | 11.5263% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 2,023 |
| Loan loss allowance to noncurrent loans | 30.5060% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 9.6175% | 211 |
| Noncurrent loans to loans | 6.5835% | 482 |
| Net loans and leases to total assets | 66.9889% | 2,201 |
| Net loans and leases to deposits | 76.6696% | 2,526 |
| Net loans and leases to core deposits | 83.6453% | 2,363 |
| Total domestic deposits to total assets | 87.3734% | 2,707 |
| Equity capital to assets | 3.5177% | 6,956 |
| Core capital (leverage) ratio | 4.1342% | 6,931 |
| Tier 1 risk-based capital ratio | 5.0413% | 6,955 |
| Total risk-based capital ratio | 6.2968% | 6,957 |
| Memoranda: | ||
| Average total assets | $270,698,500 | 2,385 |
| Average earning assets | $241,660,500 | 2,458 |
| Average equity | $9,583,000 | 5,092 |
| Average total loans | $189,341,500 | 2,121 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 4,010 |
| Cost of funding earning assets | 1.9924% | 31 |
| Net interest margin | 2.3629% | 6,806 |
| Noninterest income to average assets | -0.0808% | 6,907 |
| Noninterest expense to average assets | 2.3503% | 5,562 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2975% | 6,437 |
| Return on assets (ROA) | -0.2407% | 6,462 |
| Pretax return on assets | -0.2407% | 6,447 |
| Return on Equity (ROE) | -6.9069% | 6,652 |
| Retained earnings to average equity (ytd only) | -6.9069% | 6,523 |
| Net charge-offs to loans | -0.0194% | 6,550 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4933% | 268 |
| Assets per employee ($millions) | 11.0319% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 2,055 |
| Loan loss allowance to noncurrent loans | 25.3180% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 10.1365% | 213 |
| Noncurrent loans to loans | 7.8381% | 375 |
| Net loans and leases to total assets | 70.1793% | 1,812 |
| Net loans and leases to deposits | 79.9665% | 2,287 |
| Net loans and leases to core deposits | 87.7626% | 2,115 |
| Total domestic deposits to total assets | 87.7609% | 2,372 |
| Equity capital to assets | 3.5635% | 7,018 |
| Core capital (leverage) ratio | 4.1080% | 6,985 |
| Tier 1 risk-based capital ratio | 4.9710% | 7,019 |
| Total risk-based capital ratio | 6.2264% | 7,019 |
| Memoranda: | ||
| Average total assets | $278,305,800 | 2,285 |
| Average earning assets | $251,300,600 | 2,309 |
| Average equity | $9,700,400 | 5,051 |
| Average total loans | $190,886,800 | 2,087 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 4,017 |
| Cost of funding earning assets | 2.1251% | 23 |
| Net interest margin | 2.2819% | 6,949 |
| Noninterest income to average assets | -0.2769% | 7,091 |
| Noninterest expense to average assets | 2.2918% | 5,706 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.5022% | 6,701 |
| Return on assets (ROA) | -0.4331% | 6,704 |
| Pretax return on assets | -0.4331% | 6,674 |
| Return on Equity (ROE) | -12.4911% | 6,898 |
| Retained earnings to average equity (ytd only) | -12.4911% | 6,864 |
| Net charge-offs to loans | 0.0293% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -25.2613% | 5,753 |
| Efficiency ratio | 128.0614% | 161 |
| Assets per employee ($millions) | 11.5157% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 2,008 |
| Loan loss allowance to noncurrent loans | 27.8530% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 9.5208% | 269 |
| Noncurrent loans to loans | 7.3996% | 467 |
| Net loans and leases to total assets | 66.0786% | 2,635 |
| Net loans and leases to deposits | 77.5943% | 2,716 |
| Net loans and leases to core deposits | 91.8536% | 1,792 |
| Total domestic deposits to total assets | 85.1591% | 3,684 |
| Equity capital to assets | 3.4807% | 7,117 |
| Core capital (leverage) ratio | 3.9793% | 7,096 |
| Tier 1 risk-based capital ratio | 5.0482% | 7,114 |
| Total risk-based capital ratio | 6.3041% | 7,115 |
| Memoranda: | ||
| Average total assets | $281,690,750 | 2,288 |
| Average earning assets | $255,106,750 | 2,296 |
| Average equity | $9,766,750 | 5,085 |
| Average total loans | $191,215,250 | 2,108 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 3,757 |
| Cost of funding earning assets | 2.2093% | 18 |
| Net interest margin | 2.2928% | 7,012 |
| Noninterest income to average assets | -0.0244% | 7,029 |
| Noninterest expense to average assets | 2.2805% | 5,792 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2228% | 6,564 |
| Return on assets (ROA) | -0.1448% | 6,574 |
| Pretax return on assets | -0.1448% | 6,550 |
| Return on Equity (ROE) | -4.1812% | 6,732 |
| Retained earnings to average equity (ytd only) | -4.1812% | 6,564 |
| Net charge-offs to loans | 0.4412% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.7425% | 5,274 |
| Efficiency ratio | 110.8254% | 319 |
| Assets per employee ($millions) | 11.9213% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8170% | 2,793 |
| Loan loss allowance to noncurrent loans | 33.7293% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 8.5922% | 372 |
| Noncurrent loans to loans | 5.3871% | 869 |
| Net loans and leases to total assets | 64.9148% | 2,855 |
| Net loans and leases to deposits | 76.8268% | 2,866 |
| Net loans and leases to core deposits | 103.4621% | 893 |
| Total domestic deposits to total assets | 84.4951% | 4,102 |
| Equity capital to assets | 3.5993% | 7,156 |
| Core capital (leverage) ratio | 4.1327% | 7,124 |
| Tier 1 risk-based capital ratio | 5.2543% | 7,157 |
| Total risk-based capital ratio | 6.5071% | 7,158 |
| Memoranda: | ||
| Average total assets | $287,300,330 | 2,257 |
| Average earning assets | $260,902,000 | 2,252 |
| Average equity | $9,949,330 | 5,043 |
| Average total loans | $195,387,000 | 2,070 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 3,219 |
| Cost of funding earning assets | 2.2507% | 19 |
| Net interest margin | 2.4080% | 7,009 |
| Noninterest income to average assets | 0.1266% | 6,617 |
| Noninterest expense to average assets | 2.3290% | 5,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0054% | 6,404 |
| Return on assets (ROA) | 0.0354% | 6,475 |
| Pretax return on assets | 0.0354% | 6,473 |
| Return on Equity (ROE) | 1.0411% | 6,339 |
| Retained earnings to average equity (ytd only) | 1.0411% | 5,658 |
| Net charge-offs to loans | 0.5177% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0153% | 4,362 |
| Efficiency ratio | 99.7668% | 560 |
| Assets per employee ($millions) | 12.4108% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 2,991 |
| Loan loss allowance to noncurrent loans | 22.0405% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 8.8709% | 399 |
| Noncurrent loans to loans | 8.1722% | 465 |
| Net loans and leases to total assets | 66.1407% | 2,447 |
| Net loans and leases to deposits | 77.7286% | 2,562 |
| Net loans and leases to core deposits | 110.2625% | 526 |
| Total domestic deposits to total assets | 85.0919% | 3,990 |
| Equity capital to assets | 3.5110% | 7,212 |
| Core capital (leverage) ratio | 3.9779% | 7,181 |
| Tier 1 risk-based capital ratio | 5.1999% | 7,206 |
| Total risk-based capital ratio | 6.4532% | 7,208 |
| Memoranda: | ||
| Average total assets | $293,855,500 | 2,212 |
| Average earning assets | $269,432,500 | 2,207 |
| Average equity | $9,989,500 | 5,048 |
| Average total loans | $202,438,500 | 2,012 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 4,877 |
| Cost of funding earning assets | 2.5168% | 24 |
| Net interest margin | 2.0323% | 7,218 |
| Noninterest income to average assets | -0.6181% | 7,280 |
| Noninterest expense to average assets | 2.2742% | 6,103 |
| Loan and lease loss provision to assets | 1.4048% | 551 |
| Net operating income to assets | -2.4104% | 7,100 |
| Return on assets (ROA) | -2.1965% | 7,073 |
| Pretax return on assets | -2.1965% | 7,064 |
| Return on Equity (ROE) | -56.5778% | 7,232 |
| Retained earnings to average equity (ytd only) | -56.5778% | 7,231 |
| Net charge-offs to loans | 2.2672% | 557 |
| Credit loss provision to net charge-offs | 94.3676% | 3,820 |
| Earnings coverage of net charge-offs (x) | -0.6755% | 6,139 |
| Efficiency ratio | 179.2672% | 84 |
| Assets per employee ($millions) | 12.0905% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 3,020 |
| Loan loss allowance to noncurrent loans | 20.7129% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 9.0726% | 399 |
| Noncurrent loans to loans | 8.4584% | 450 |
| Net loans and leases to total assets | 69.1092% | 2,197 |
| Net loans and leases to deposits | 80.0235% | 2,513 |
| Net loans and leases to core deposits | 118.6463% | 385 |
| Total domestic deposits to total assets | 86.3612% | 3,109 |
| Equity capital to assets | 3.2942% | 7,262 |
| Core capital (leverage) ratio | 3.7071% | 7,229 |
| Tier 1 risk-based capital ratio | 4.7723% | 7,252 |
| Total risk-based capital ratio | 6.0257% | 7,254 |
| Memoranda: | ||
| Average total assets | $339,905,800 | 1,899 |
| Average earning assets | $315,561,200 | 1,871 |
| Average equity | $13,196,000 | 4,305 |
| Average total loans | $223,183,800 | 1,850 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 5,189 |
| Cost of funding earning assets | 2.5782% | 25 |
| Net interest margin | 1.9448% | 7,309 |
| Noninterest income to average assets | -0.8828% | 7,396 |
| Noninterest expense to average assets | 2.3126% | 5,995 |
| Loan and lease loss provision to assets | 1.8226% | 327 |
| Net operating income to assets | -3.2085% | 7,291 |
| Return on assets (ROA) | -2.9314% | 7,268 |
| Pretax return on assets | -2.9314% | 7,263 |
| Return on Equity (ROE) | -73.1110% | 7,351 |
| Retained earnings to average equity (ytd only) | -73.1110% | 7,349 |
| Net charge-offs to loans | 2.5972% | 412 |
| Credit loss provision to net charge-offs | 108.5474% | 3,041 |
| Earnings coverage of net charge-offs (x) | -0.8254% | 5,907 |
| Efficiency ratio | 249.5470% | 28 |
| Assets per employee ($millions) | 13.8405% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 2,249 |
| Loan loss allowance to noncurrent loans | 23.0988% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 8.6163% | 474 |
| Noncurrent loans to loans | 8.7951% | 464 |
| Net loans and leases to total assets | 63.6738% | 3,376 |
| Net loans and leases to deposits | 73.9588% | 3,662 |
| Net loans and leases to core deposits | 104.2045% | 967 |
| Total domestic deposits to total assets | 86.0936% | 3,174 |
| Equity capital to assets | 2.9352% | 7,366 |
| Core capital (leverage) ratio | 3.1088% | 7,349 |
| Tier 1 risk-based capital ratio | 4.5413% | 7,344 |
| Total risk-based capital ratio | 5.8016% | 7,348 |
| Memoranda: | ||
| Average total assets | $349,316,750 | 1,862 |
| Average earning assets | $325,026,000 | 1,831 |
| Average equity | $14,005,750 | 4,123 |
| Average total loans | $225,825,750 | 1,852 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 5,273 |
| Cost of funding earning assets | 2.5330% | 29 |
| Net interest margin | 1.9935% | 7,367 |
| Noninterest income to average assets | -0.3346% | 7,391 |
| Noninterest expense to average assets | 2.2798% | 6,179 |
| Loan and lease loss provision to assets | 2.0139% | 302 |
| Net operating income to assets | -2.7716% | 7,290 |
| Return on assets (ROA) | -2.5389% | 7,269 |
| Pretax return on assets | -2.5389% | 7,253 |
| Return on Equity (ROE) | -58.4401% | 7,368 |
| Retained earnings to average equity (ytd only) | -58.4401% | 7,365 |
| Net charge-offs to loans | 3.1754% | 310 |
| Credit loss provision to net charge-offs | 98.2683% | 3,210 |
| Earnings coverage of net charge-offs (x) | -0.3697% | 5,486 |
| Efficiency ratio | 149.7779% | 152 |
| Assets per employee ($millions) | 11.7544% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 3,055 |
| Loan loss allowance to noncurrent loans | 35.6936% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 6.1940% | 891 |
| Noncurrent loans to loans | 4.9902% | 1,309 |
| Net loans and leases to total assets | 59.7302% | 4,326 |
| Net loans and leases to deposits | 68.7905% | 4,590 |
| Net loans and leases to core deposits | 103.2564% | 1,096 |
| Total domestic deposits to total assets | 86.8291% | 2,835 |
| Equity capital to assets | 3.5860% | 7,410 |
| Core capital (leverage) ratio | 4.1508% | 7,366 |
| Tier 1 risk-based capital ratio | 5.4477% | 7,383 |
| Total risk-based capital ratio | 6.6981% | 7,384 |
| Memoranda: | ||
| Average total assets | $355,032,000 | 1,846 |
| Average earning assets | $330,675,670 | 1,807 |
| Average equity | $15,424,330 | 3,831 |
| Average total loans | $229,137,000 | 1,850 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 4,972 |
| Cost of funding earning assets | 2.6428% | 27 |
| Net interest margin | 1.9512% | 7,419 |
| Noninterest income to average assets | -0.0537% | 7,360 |
| Noninterest expense to average assets | 2.2457% | 6,315 |
| Loan and lease loss provision to assets | 0.8848% | 916 |
| Net operating income to assets | -1.3609% | 7,150 |
| Return on assets (ROA) | -1.2958% | 7,138 |
| Pretax return on assets | -1.2958% | 7,096 |
| Return on Equity (ROE) | -27.3445% | 7,301 |
| Retained earnings to average equity (ytd only) | -27.3445% | 7,267 |
| Net charge-offs to loans | 0.7814% | 1,650 |
| Credit loss provision to net charge-offs | 170.3297% | 1,697 |
| Earnings coverage of net charge-offs (x) | -0.9165% | 4,884 |
| Efficiency ratio | 126.9032% | 283 |
| Assets per employee ($millions) | 11.0620% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 2,815 |
| Loan loss allowance to noncurrent loans | 27.6218% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 7.7470% | 629 |
| Noncurrent loans to loans | 6.7405% | 854 |
| Net loans and leases to total assets | 64.4758% | 3,358 |
| Net loans and leases to deposits | 76.5318% | 3,329 |
| Net loans and leases to core deposits | 127.3762% | 301 |
| Total domestic deposits to total assets | 84.2470% | 4,389 |
| Equity capital to assets | 4.5460% | 7,405 |
| Core capital (leverage) ratio | 5.1522% | 7,345 |
| Tier 1 risk-based capital ratio | 6.5807% | 7,398 |
| Total risk-based capital ratio | 7.8351% | 7,401 |
| Memoranda: | ||
| Average total assets | $350,354,500 | 1,884 |
| Average earning assets | $327,381,000 | 1,830 |
| Average equity | $16,603,000 | 3,623 |
| Average total loans | $232,907,500 | 1,849 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 5,533 |
| Cost of funding earning assets | 2.9982% | 25 |
| Net interest margin | 1.7719% | 7,507 |
| Noninterest income to average assets | -1.0294% | 7,626 |
| Noninterest expense to average assets | 2.1117% | 6,817 |
| Loan and lease loss provision to assets | 1.7444% | 806 |
| Net operating income to assets | -3.2366% | 7,337 |
| Return on assets (ROA) | -3.0184% | 7,316 |
| Pretax return on assets | -3.0184% | 7,297 |
| Return on Equity (ROE) | -46.4861% | 7,399 |
| Retained earnings to average equity (ytd only) | -46.4861% | 7,394 |
| Net charge-offs to loans | 2.6770% | 681 |
| Credit loss provision to net charge-offs | 97.9502% | 4,727 |
| Earnings coverage of net charge-offs (x) | -0.8379% | 6,562 |
| Efficiency ratio | 340.8907% | 23 |
| Assets per employee ($millions) | 11.9560% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 3,136 |
| Loan loss allowance to noncurrent loans | 25.5445% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 7.8881% | 636 |
| Noncurrent loans to loans | 6.7318% | 863 |
| Net loans and leases to total assets | 66.1158% | 3,446 |
| Net loans and leases to deposits | 79.7326% | 3,217 |
| Net loans and leases to core deposits | 146.8903% | 185 |
| Total domestic deposits to total assets | 82.9219% | 4,824 |
| Equity capital to assets | 4.9359% | 7,435 |
| Core capital (leverage) ratio | 5.5400% | 7,359 |
| Tier 1 risk-based capital ratio | 6.9845% | 7,425 |
| Total risk-based capital ratio | 8.2374% | 7,430 |
| Memoranda: | ||
| Average total assets | $358,864,600 | 1,820 |
| Average earning assets | $333,934,000 | 1,787 |
| Average equity | $23,301,600 | 2,723 |
| Average total loans | $238,738,600 | 1,827 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 5,671 |
| Cost of funding earning assets | 3.0766% | 25 |
| Net interest margin | 1.7195% | 7,637 |
| Noninterest income to average assets | -0.0630% | 7,510 |
| Noninterest expense to average assets | 3.3986% | 2,299 |
| Loan and lease loss provision to assets | 1.5879% | 815 |
| Net operating income to assets | -3.4521% | 7,516 |
| Return on assets (ROA) | -3.1636% | 7,488 |
| Pretax return on assets | -3.1636% | 7,455 |
| Return on Equity (ROE) | -46.0754% | 7,535 |
| Retained earnings to average equity (ytd only) | -46.0754% | 7,533 |
| Net charge-offs to loans | 0.4476% | 3,517 |
| Credit loss provision to net charge-offs | 534.7395% | 540 |
| Earnings coverage of net charge-offs (x) | -6.2779% | 6,603 |
| Efficiency ratio | 221.4886% | 62 |
| Assets per employee ($millions) | 12.7607% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1921% | 700 |
| Loan loss allowance to noncurrent loans | 39.6587% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 8.9906% | 508 |
| Noncurrent loans to loans | 8.0491% | 643 |
| Net loans and leases to total assets | 67.2925% | 3,381 |
| Net loans and leases to deposits | 83.7218% | 2,752 |
| Net loans and leases to core deposits | 158.2879% | 155 |
| Total domestic deposits to total assets | 80.3764% | 5,587 |
| Equity capital to assets | 5.8060% | 7,510 |
| Core capital (leverage) ratio | 6.0114% | 7,433 |
| Tier 1 risk-based capital ratio | 7.7368% | 7,501 |
| Total risk-based capital ratio | 9.0088% | 7,501 |
| Memoranda: | ||
| Average total assets | $361,899,500 | 1,830 |
| Average earning assets | $336,205,000 | 1,800 |
| Average equity | $24,848,500 | 2,606 |
| Average total loans | $240,110,500 | 1,846 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 5,917 |
| Cost of funding earning assets | 3.1106% | 31 |
| Net interest margin | 1.6517% | 7,721 |
| Noninterest income to average assets | -0.0054% | 7,545 |
| Noninterest expense to average assets | 2.2829% | 6,398 |
| Loan and lease loss provision to assets | 1.2239% | 1,145 |
| Net operating income to assets | -1.9799% | 7,299 |
| Return on assets (ROA) | -1.5540% | 7,178 |
| Pretax return on assets | -1.5540% | 7,095 |
| Return on Equity (ROE) | -21.5921% | 7,309 |
| Retained earnings to average equity (ytd only) | -21.5921% | 7,293 |
| Net charge-offs to loans | 0.4061% | 3,364 |
| Credit loss provision to net charge-offs | 461.0656% | 795 |
| Earnings coverage of net charge-offs (x) | -2.8484% | 6,255 |
| Efficiency ratio | 149.5191% | 209 |
| Assets per employee ($millions) | 12.1560% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4556% | 1,357 |
| Loan loss allowance to noncurrent loans | 41.5120% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 8.2236% | 585 |
| Noncurrent loans to loans | 5.9155% | 1,086 |
| Net loans and leases to total assets | 66.5152% | 3,733 |
| Net loans and leases to deposits | 83.8484% | 2,893 |
| Net loans and leases to core deposits | 163.3054% | 156 |
| Total domestic deposits to total assets | 79.3279% | 5,937 |
| Equity capital to assets | 7.2852% | 7,232 |
| Core capital (leverage) ratio | 7.4601% | 6,861 |
| Tier 1 risk-based capital ratio | 9.6113% | 7,218 |
| Total risk-based capital ratio | 10.8717% | 7,214 |
| Memoranda: | ||
| Average total assets | $367,686,330 | 1,821 |
| Average earning assets | $341,094,670 | 1,795 |
| Average equity | $26,463,330 | 2,456 |
| Average total loans | $240,316,000 | 1,872 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 6,263 |
| Cost of funding earning assets | 3.0397% | 42 |
| Net interest margin | 1.6548% | 7,804 |
| Noninterest income to average assets | 0.0735% | 7,338 |
| Noninterest expense to average assets | 1.9048% | 7,323 |
| Loan and lease loss provision to assets | 0.7994% | 1,584 |
| Net operating income to assets | -1.0947% | 7,163 |
| Return on assets (ROA) | -0.3240% | 6,741 |
| Pretax return on assets | -0.3240% | 6,660 |
| Return on Equity (ROE) | -4.5282% | 6,856 |
| Retained earnings to average equity (ytd only) | -4.5282% | 6,550 |
| Net charge-offs to loans | 0.5943% | 2,321 |
| Credit loss provision to net charge-offs | 210.0840% | 1,771 |
| Earnings coverage of net charge-offs (x) | -0.7759% | 5,346 |
| Efficiency ratio | 118.3444% | 462 |
| Assets per employee ($millions) | 13.6491% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 2,394 |
| Loan loss allowance to noncurrent loans | 48.6637% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 6.9550% | 777 |
| Noncurrent loans to loans | 3.9402% | 2,008 |
| Net loans and leases to total assets | 62.9335% | 4,551 |
| Net loans and leases to deposits | 79.1903% | 3,806 |
| Net loans and leases to core deposits | 167.3995% | 164 |
| Total domestic deposits to total assets | 79.4712% | 5,962 |
| Equity capital to assets | 7.6380% | 6,972 |
| Core capital (leverage) ratio | 7.8569% | 6,428 |
| Tier 1 risk-based capital ratio | 10.3333% | 6,779 |
| Total risk-based capital ratio | 11.5875% | 6,776 |
| Memoranda: | ||
| Average total assets | $375,267,500 | 1,826 |
| Average earning assets | $348,319,500 | 1,795 |
| Average equity | $26,854,000 | 2,445 |
| Average total loans | $240,281,500 | 1,925 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3119% | 5,120 |
| Cost of funding earning assets | 3.4451% | 56 |
| Net interest margin | 1.8668% | 7,789 |
| Noninterest income to average assets | -0.3469% | 7,904 |
| Noninterest expense to average assets | 2.5133% | 6,081 |
| Loan and lease loss provision to assets | 0.5629% | 3,559 |
| Net operating income to assets | -1.7292% | 6,975 |
| Return on assets (ROA) | -1.5757% | 6,897 |
| Pretax return on assets | -1.5730% | 6,738 |
| Return on Equity (ROE) | -19.7855% | 7,136 |
| Retained earnings to average equity (ytd only) | -19.7855% | 7,100 |
| Net charge-offs to loans | 0.7724% | 2,890 |
| Credit loss provision to net charge-offs | 102.6829% | 5,374 |
| Earnings coverage of net charge-offs (x) | -2.1224% | 7,006 |
| Efficiency ratio | 186.2096% | 171 |
| Assets per employee ($millions) | 15.9170% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 2,901 |
| Loan loss allowance to noncurrent loans | 33.6366% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 6.9485% | 727 |
| Noncurrent loans to loans | 5.0434% | 1,337 |
| Net loans and leases to total assets | 62.8157% | 4,849 |
| Net loans and leases to deposits | 78.6237% | 4,252 |
| Net loans and leases to core deposits | 94.1688% | 4,658 |
| Total domestic deposits to total assets | 79.8941% | 5,699 |
| Equity capital to assets | 6.6910% | 7,506 |
| Core capital (leverage) ratio | 6.9758% | 7,260 |
| Tier 1 risk-based capital ratio | 9.1783% | 7,387 |
| Total risk-based capital ratio | 10.4305% | 7,389 |
| Memoranda: | ||
| Average total assets | $373,927,800 | 1,827 |
| Average earning assets | $339,841,000 | 1,836 |
| Average equity | $29,779,400 | 2,243 |
| Average total loans | $265,394,600 | 1,804 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 4,558 |
| Cost of funding earning assets | 3.4969% | 73 |
| Net interest margin | 1.9768% | 7,826 |
| Noninterest income to average assets | -0.0538% | 7,902 |
| Noninterest expense to average assets | 2.1980% | 6,981 |
| Loan and lease loss provision to assets | 0.7188% | 2,581 |
| Net operating income to assets | -0.9238% | 6,779 |
| Return on assets (ROA) | -0.7633% | 6,666 |
| Pretax return on assets | -0.9798% | 6,667 |
| Return on Equity (ROE) | -9.2060% | 6,824 |
| Retained earnings to average equity (ytd only) | -9.2060% | 6,720 |
| Net charge-offs to loans | 0.7826% | 2,406 |
| Credit loss provision to net charge-offs | 126.1800% | 3,987 |
| Earnings coverage of net charge-offs (x) | -0.8194% | 6,596 |
| Efficiency ratio | 126.9621% | 506 |
| Assets per employee ($millions) | 13.3701% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,340 |
| Loan loss allowance to noncurrent loans | 33.7912% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 8.5766% | 473 |
| Noncurrent loans to loans | 5.2705% | 1,209 |
| Net loans and leases to total assets | 68.7770% | 3,778 |
| Net loans and leases to deposits | 87.2429% | 3,100 |
| Net loans and leases to core deposits | 98.6467% | 4,530 |
| Total domestic deposits to total assets | 78.8340% | 5,859 |
| Equity capital to assets | 8.1572% | 6,686 |
| Core capital (leverage) ratio | 8.7220% | 5,094 |
| Tier 1 risk-based capital ratio | 10.3146% | 6,663 |
| Total risk-based capital ratio | 11.5679% | 6,605 |
| Memoranda: | ||
| Average total assets | $371,907,750 | 1,849 |
| Average earning assets | $335,828,750 | 1,865 |
| Average equity | $30,834,250 | 2,199 |
| Average total loans | $270,717,750 | 1,792 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 4,111 |
| Cost of funding earning assets | 3.5701% | 85 |
| Net interest margin | 2.0222% | 7,850 |
| Noninterest income to average assets | 0.0389% | 7,792 |
| Noninterest expense to average assets | 1.7649% | 7,782 |
| Loan and lease loss provision to assets | 0.2423% | 4,644 |
| Net operating income to assets | -0.1033% | 6,018 |
| Return on assets (ROA) | 0.0447% | 5,811 |
| Pretax return on assets | 0.0671% | 5,749 |
| Return on Equity (ROE) | 0.5368% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.5368% | 4,986 |
| Net charge-offs to loans | 0.6997% | 2,302 |
| Credit loss provision to net charge-offs | 47.0041% | 5,803 |
| Earnings coverage of net charge-offs (x) | 0.1715% | 5,500 |
| Efficiency ratio | 95.2299% | 1,426 |
| Assets per employee ($millions) | 13.7632% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 3,916 |
| Loan loss allowance to noncurrent loans | 40.3683% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 6.9027% | 631 |
| Noncurrent loans to loans | 3.3780% | 2,084 |
| Net loans and leases to total assets | 72.2231% | 3,155 |
| Net loans and leases to deposits | 91.9638% | 2,474 |
| Net loans and leases to core deposits | 102.9669% | 4,183 |
| Total domestic deposits to total assets | 78.5342% | 5,947 |
| Equity capital to assets | 8.2835% | 6,364 |
| Core capital (leverage) ratio | 9.0792% | 4,497 |
| Tier 1 risk-based capital ratio | 10.7867% | 6,099 |
| Total risk-based capital ratio | 11.9690% | 6,109 |
| Memoranda: | ||
| Average total assets | $375,545,670 | 1,857 |
| Average earning assets | $336,964,670 | 1,882 |
| Average equity | $31,296,670 | 2,163 |
| Average total loans | $276,696,000 | 1,789 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 5,103 |
| Cost of funding earning assets | 3.5499% | 130 |
| Net interest margin | 1.9136% | 7,938 |
| Noninterest income to average assets | 0.0583% | 7,783 |
| Noninterest expense to average assets | 1.4964% | 7,992 |
| Loan and lease loss provision to assets | 0.2914% | 3,624 |
| Net operating income to assets | 0.0098% | 6,233 |
| Return on assets (ROA) | 0.2862% | 5,516 |
| Pretax return on assets | 0.4537% | 5,235 |
| Return on Equity (ROE) | 3.4242% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.4242% | 3,982 |
| Net charge-offs to loans | 0.6999% | 1,786 |
| Credit loss provision to net charge-offs | 56.3380% | 4,582 |
| Earnings coverage of net charge-offs (x) | 0.6056% | 4,512 |
| Efficiency ratio | 82.6912% | 2,453 |
| Assets per employee ($millions) | 14.3517% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 3,440 |
| Loan loss allowance to noncurrent loans | 24.3318% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 6.9700% | 491 |
| Noncurrent loans to loans | 5.8004% | 845 |
| Net loans and leases to total assets | 72.4291% | 3,145 |
| Net loans and leases to deposits | 91.8528% | 2,626 |
| Net loans and leases to core deposits | 101.8550% | 4,361 |
| Total domestic deposits to total assets | 78.8535% | 5,778 |
| Equity capital to assets | 8.5795% | 5,945 |
| Core capital (leverage) ratio | 8.6550% | 5,246 |
| Tier 1 risk-based capital ratio | 10.4836% | 6,412 |
| Total risk-based capital ratio | 11.7219% | 6,339 |
| Memoranda: | ||
| Average total assets | $384,396,500 | 1,827 |
| Average earning assets | $351,788,500 | 1,824 |
| Average equity | $32,124,000 | 2,106 |
| Average total loans | $284,034,500 | 1,748 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1400% | 4,831 |
| Cost of funding earning assets | 3.7168% | 252 |
| Net interest margin | 2.4232% | 7,830 |
| Noninterest income to average assets | 0.0899% | 7,685 |
| Noninterest expense to average assets | 2.1266% | 7,168 |
| Loan and lease loss provision to assets | 2.3766% | 456 |
| Net operating income to assets | -1.2974% | 7,387 |
| Return on assets (ROA) | -1.2696% | 7,317 |
| Pretax return on assets | -2.0381% | 7,444 |
| Return on Equity (ROE) | -14.2223% | 7,552 |
| Retained earnings to average equity (ytd only) | -15.6819% | 7,497 |
| Net charge-offs to loans | 2.5880% | 359 |
| Credit loss provision to net charge-offs | 117.0142% | 4,611 |
| Earnings coverage of net charge-offs (x) | 0.1453% | 6,161 |
| Efficiency ratio | 87.8153% | 1,695 |
| Assets per employee ($millions) | 13.1883% | 131 |
| Cash dividends to net income (ytd only)* | -10.2630% | 7,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 3,254 |
| Loan loss allowance to noncurrent loans | 15.5580% | 7,380 |
| Noncurrent assets plus other real estate owned to assets | 7.3330% | 340 |
| Noncurrent loans to loans | 8.9350% | 272 |
| Net loans and leases to total assets | 73.2591% | 3,294 |
| Net loans and leases to deposits | 98.3666% | 2,075 |
| Net loans and leases to core deposits | 105.4288% | 4,254 |
| Total domestic deposits to total assets | 74.4756% | 6,564 |
| Equity capital to assets | 8.1471% | 6,636 |
| Core capital (leverage) ratio | 8.2013% | 6,164 |
| Tier 1 risk-based capital ratio | 9.8584% | 6,892 |
| Total risk-based capital ratio | 11.0997% | 6,783 |
| Memoranda: | ||
| Average total assets | $368,389,800 | 1,824 |
| Average earning assets | $354,495,800 | 1,747 |
| Average equity | $32,885,000 | 2,055 |
| Average total loans | $289,103,800 | 1,673 |