Home > Allied Bank > Performance and Condition Ratios
Allied Bank, Performance and Condition Ratios
| 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 | 3.4940% | 4,884 |
| Cost of funding earning assets | 0.3525% | 3,537 |
| Net interest margin | 3.1416% | 4,711 |
| Noninterest income to average assets | 0.3852% | 3,987 |
| Noninterest expense to average assets | 5.4265% | 218 |
| Loan and lease loss provision to assets | 9.2652% | 2 |
| Net operating income to assets | -11.7556% | 6,058 |
| Return on assets (ROA) | -12.3692% | 6,058 |
| Pretax return on assets | -12.3692% | 6,058 |
| Return on Equity (ROE) | -223.2060% | 6,058 |
| Retained earnings to average equity (ytd only) | -223.2060% | 6,058 |
| Net charge-offs to loans | 12.9806% | 1 |
| Credit loss provision to net charge-offs | 110.7202% | 1,953 |
| Earnings coverage of net charge-offs (x) | -0.2976% | 3,571 |
| Efficiency ratio | 184.8172% | 21 |
| Assets per employee ($millions) | 1.6584% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8140% | 31 |
| Loan loss allowance to noncurrent loans | 47.3007% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 21.4559% | 2 |
| Noncurrent loans to loans | 12.2916% | 23 |
| Net loans and leases to total assets | 59.2695% | 3,979 |
| Net loans and leases to deposits | 60.7560% | 4,753 |
| Net loans and leases to core deposits | 62.7856% | 4,831 |
| Total domestic deposits to total assets | 97.5534% | 2 |
| Equity capital to assets | 1.9914% | 6,057 |
| Core capital (leverage) ratio | 1.7951% | 6,057 |
| Tier 1 risk-based capital ratio | 2.7056% | 6,057 |
| Total risk-based capital ratio | 4.0024% | 6,057 |
| Memoranda: | ||
| Average total assets | $72,680,330 | 4,966 |
| Average earning assets | $59,015,330 | 5,137 |
| Average equity | $4,027,670 | 5,760 |
| Average total loans | $46,854,670 | 4,743 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0977% | 5,610 |
| Cost of funding earning assets | 0.3520% | 3,582 |
| Net interest margin | 2.7457% | 5,548 |
| Noninterest income to average assets | 0.2109% | 5,219 |
| Noninterest expense to average assets | 4.6300% | 350 |
| Loan and lease loss provision to assets | 2.2412% | 34 |
| Net operating income to assets | -4.3980% | 6,107 |
| Return on assets (ROA) | -4.3980% | 6,107 |
| Pretax return on assets | -4.3980% | 6,104 |
| Return on Equity (ROE) | -61.9959% | 6,106 |
| Retained earnings to average equity (ytd only) | -61.9959% | 6,088 |
| Net charge-offs to loans | 0.2833% | 745 |
| Credit loss provision to net charge-offs | 1,214.2857% | 329 |
| Earnings coverage of net charge-offs (x) | -11.6857% | 3,063 |
| Efficiency ratio | 187.2068% | 23 |
| Assets per employee ($millions) | 1.8095% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1506% | 49 |
| Loan loss allowance to noncurrent loans | 31.2469% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 21.9238% | 3 |
| Noncurrent loans to loans | 16.4837% | 12 |
| Net loans and leases to total assets | 63.3784% | 3,333 |
| Net loans and leases to deposits | 68.3168% | 4,026 |
| Net loans and leases to core deposits | 70.5116% | 4,203 |
| Total domestic deposits to total assets | 92.7713% | 53 |
| Equity capital to assets | 6.8709% | 6,020 |
| Core capital (leverage) ratio | 6.4925% | 6,031 |
| Tier 1 risk-based capital ratio | 9.4059% | 6,015 |
| Total risk-based capital ratio | 10.6980% | 5,995 |
| Memoranda: | ||
| Average total assets | $75,852,500 | 4,941 |
| Average earning assets | $62,497,500 | 5,108 |
| Average equity | $5,381,000 | 5,535 |
| Average total loans | $49,410,000 | 4,695 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,333 |
| Cost of funding earning assets | 0.5449% | 1,808 |
| Net interest margin | 3.7208% | 2,672 |
| Noninterest income to average assets | 0.0918% | 5,898 |
| Noninterest expense to average assets | 4.5969% | 385 |
| Loan and lease loss provision to assets | 1.0277% | 83 |
| Net operating income to assets | -2.4550% | 6,150 |
| Return on assets (ROA) | -2.3517% | 6,149 |
| Pretax return on assets | -2.3517% | 6,144 |
| Return on Equity (ROE) | -30.2161% | 6,153 |
| Retained earnings to average equity (ytd only) | -30.2161% | 6,145 |
| Net charge-offs to loans | 3.0951% | 30 |
| Credit loss provision to net charge-offs | 53.8251% | 3,352 |
| Earnings coverage of net charge-offs (x) | -0.7475% | 4,321 |
| Efficiency ratio | 145.0296% | 44 |
| Assets per employee ($millions) | 1.9832% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1639% | 77 |
| Loan loss allowance to noncurrent loans | 33.1231% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 18.2019% | 11 |
| Noncurrent loans to loans | 12.5711% | 27 |
| Net loans and leases to total assets | 60.9578% | 3,700 |
| Net loans and leases to deposits | 65.9385% | 4,320 |
| Net loans and leases to core deposits | 69.0258% | 4,378 |
| Total domestic deposits to total assets | 92.4465% | 75 |
| Equity capital to assets | 7.2976% | 6,010 |
| Core capital (leverage) ratio | 7.0655% | 6,042 |
| Tier 1 risk-based capital ratio | 10.3391% | 5,848 |
| Total risk-based capital ratio | 11.6188% | 5,756 |
| Memoranda: | ||
| Average total assets | $95,847,000 | 4,543 |
| Average earning assets | $79,283,000 | 4,735 |
| Average equity | $7,459,600 | 5,157 |
| Average total loans | $59,126,000 | 4,398 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 1,948 |
| Cost of funding earning assets | 0.5934% | 1,445 |
| Net interest margin | 3.7974% | 2,398 |
| Noninterest income to average assets | 0.2841% | 4,917 |
| Noninterest expense to average assets | 4.2662% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.8415% | 6,180 |
| Return on assets (ROA) | -0.7095% | 6,166 |
| Pretax return on assets | -0.7095% | 6,160 |
| Return on Equity (ROE) | -9.0047% | 6,173 |
| Retained earnings to average equity (ytd only) | -9.0047% | 6,110 |
| Net charge-offs to loans | 1.8207% | 71 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.7539% | 4,042 |
| Efficiency ratio | 124.5717% | 84 |
| Assets per employee ($millions) | 2.0645% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8716% | 101 |
| Loan loss allowance to noncurrent loans | 51.0530% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 17.9448% | 13 |
| Noncurrent loans to loans | 7.5834% | 81 |
| Net loans and leases to total assets | 63.4105% | 3,391 |
| Net loans and leases to deposits | 70.1079% | 3,974 |
| Net loans and leases to core deposits | 73.3270% | 4,072 |
| Total domestic deposits to total assets | 90.4470% | 402 |
| Equity capital to assets | 9.1171% | 5,200 |
| Core capital (leverage) ratio | 8.3239% | 5,694 |
| Tier 1 risk-based capital ratio | 12.3203% | 4,876 |
| Total risk-based capital ratio | 13.5969% | 4,764 |
| Memoranda: | ||
| Average total assets | $99,977,000 | 4,507 |
| Average earning assets | $82,686,500 | 4,720 |
| Average equity | $7,877,250 | 5,145 |
| Average total loans | $61,293,250 | 4,390 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 2,032 |
| Cost of funding earning assets | 0.6438% | 1,137 |
| Net interest margin | 3.6994% | 2,713 |
| Noninterest income to average assets | 0.3687% | 4,305 |
| Noninterest expense to average assets | 4.1446% | 584 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.6901% | 6,221 |
| Return on assets (ROA) | -0.5030% | 6,199 |
| Pretax return on assets | -0.5030% | 6,187 |
| Return on Equity (ROE) | -6.6555% | 6,214 |
| Retained earnings to average equity (ytd only) | -6.6555% | 6,076 |
| Net charge-offs to loans | 2.2591% | 59 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.5084% | 3,748 |
| Efficiency ratio | 119.9781% | 108 |
| Assets per employee ($millions) | 2.4049% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8944% | 113 |
| Loan loss allowance to noncurrent loans | 61.2930% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 15.0038% | 27 |
| Noncurrent loans to loans | 6.3537% | 143 |
| Net loans and leases to total assets | 55.7626% | 4,364 |
| Net loans and leases to deposits | 60.6769% | 4,794 |
| Net loans and leases to core deposits | 65.0232% | 4,725 |
| Total domestic deposits to total assets | 91.9008% | 136 |
| Equity capital to assets | 7.8974% | 6,023 |
| Core capital (leverage) ratio | 7.5931% | 6,074 |
| Tier 1 risk-based capital ratio | 12.1324% | 5,053 |
| Total risk-based capital ratio | 13.4105% | 4,927 |
| Memoranda: | ||
| Average total assets | $105,775,670 | 4,428 |
| Average earning assets | $88,230,000 | 4,635 |
| Average equity | $7,993,330 | 5,166 |
| Average total loans | $63,566,330 | 4,351 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 542 |
| Cost of funding earning assets | 0.7154% | 792 |
| Net interest margin | 4.3231% | 837 |
| Noninterest income to average assets | 0.2451% | 5,216 |
| Noninterest expense to average assets | 4.1221% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2524% | 6,170 |
| Return on assets (ROA) | 0.1097% | 5,913 |
| Pretax return on assets | 0.1097% | 5,935 |
| Return on Equity (ROE) | 1.4821% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.4821% | 4,895 |
| Net charge-offs to loans | 3.4820% | 43 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.1188% | 3,121 |
| Efficiency ratio | 106.5217% | 232 |
| Assets per employee ($millions) | 2.3819% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7449% | 149 |
| Loan loss allowance to noncurrent loans | 72.8589% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 13.4018% | 43 |
| Noncurrent loans to loans | 5.1400% | 251 |
| Net loans and leases to total assets | 56.7112% | 4,124 |
| Net loans and leases to deposits | 61.4445% | 4,629 |
| Net loans and leases to core deposits | 66.4179% | 4,483 |
| Total domestic deposits to total assets | 92.2966% | 117 |
| Equity capital to assets | 7.5541% | 6,164 |
| Core capital (leverage) ratio | 7.3510% | 6,187 |
| Tier 1 risk-based capital ratio | 11.5167% | 5,552 |
| Total risk-based capital ratio | 12.7925% | 5,447 |
| Memoranda: | ||
| Average total assets | $109,362,500 | 4,384 |
| Average earning assets | $91,694,000 | 4,600 |
| Average equity | $8,096,500 | 5,192 |
| Average total loans | $66,744,000 | 4,278 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,728 |
| Cost of funding earning assets | 0.8475% | 517 |
| Net interest margin | 3.1527% | 5,067 |
| Noninterest income to average assets | 0.5080% | 3,446 |
| Noninterest expense to average assets | 4.0064% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.8166% | 6,346 |
| Return on assets (ROA) | -0.8166% | 6,344 |
| Pretax return on assets | -0.8166% | 6,338 |
| Return on Equity (ROE) | -12.0185% | 6,385 |
| Retained earnings to average equity (ytd only) | -12.0185% | 6,347 |
| Net charge-offs to loans | -0.1158% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.6000% | 103 |
| Assets per employee ($millions) | 2.3731% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1885% | 116 |
| Loan loss allowance to noncurrent loans | 57.5953% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 13.2905% | 46 |
| Noncurrent loans to loans | 7.2722% | 134 |
| Net loans and leases to total assets | 60.4189% | 3,736 |
| Net loans and leases to deposits | 65.2315% | 4,410 |
| Net loans and leases to core deposits | 70.6439% | 4,261 |
| Total domestic deposits to total assets | 92.6222% | 89 |
| Equity capital to assets | 7.2585% | 6,289 |
| Core capital (leverage) ratio | 6.9555% | 6,319 |
| Tier 1 risk-based capital ratio | 10.7928% | 5,996 |
| Total risk-based capital ratio | 12.0762% | 5,906 |
| Memoranda: | ||
| Average total assets | $125,400,600 | 4,077 |
| Average earning assets | $106,669,000 | 4,252 |
| Average equity | $8,520,200 | 5,080 |
| Average total loans | $78,597,800 | 3,914 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 3,481 |
| Cost of funding earning assets | 0.8601% | 515 |
| Net interest margin | 3.2110% | 4,929 |
| Noninterest income to average assets | 0.5546% | 3,172 |
| Noninterest expense to average assets | 4.1355% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.8463% | 6,444 |
| Return on assets (ROA) | -0.8463% | 6,442 |
| Pretax return on assets | -0.8463% | 6,429 |
| Return on Equity (ROE) | -12.6433% | 6,476 |
| Retained earnings to average equity (ytd only) | -12.6433% | 6,426 |
| Net charge-offs to loans | -0.1802% | 6,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.7314% | 103 |
| Assets per employee ($millions) | 2.4407% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9893% | 162 |
| Loan loss allowance to noncurrent loans | 81.1166% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 11.6310% | 69 |
| Noncurrent loans to loans | 4.9180% | 382 |
| Net loans and leases to total assets | 59.6468% | 3,855 |
| Net loans and leases to deposits | 64.2267% | 4,511 |
| Net loans and leases to core deposits | 69.8367% | 4,338 |
| Total domestic deposits to total assets | 92.8692% | 87 |
| Equity capital to assets | 6.9067% | 6,400 |
| Core capital (leverage) ratio | 6.7799% | 6,406 |
| Tier 1 risk-based capital ratio | 10.4609% | 6,217 |
| Total risk-based capital ratio | 11.7410% | 6,158 |
| Memoranda: | ||
| Average total assets | $128,866,250 | 4,031 |
| Average earning assets | $109,746,000 | 4,223 |
| Average equity | $8,626,250 | 5,101 |
| Average total loans | $80,663,250 | 3,885 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 3,050 |
| Cost of funding earning assets | 0.8805% | 475 |
| Net interest margin | 3.2955% | 4,612 |
| Noninterest income to average assets | 0.5956% | 2,840 |
| Noninterest expense to average assets | 4.0953% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6972% | 6,483 |
| Return on assets (ROA) | -0.6972% | 6,481 |
| Pretax return on assets | -0.6972% | 6,469 |
| Return on Equity (ROE) | -10.5163% | 6,517 |
| Retained earnings to average equity (ytd only) | -10.5163% | 6,430 |
| Net charge-offs to loans | -0.2706% | 6,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5174% | 140 |
| Assets per employee ($millions) | 2.4069% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8869% | 190 |
| Loan loss allowance to noncurrent loans | 82.3480% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 11.0489% | 80 |
| Noncurrent loans to loans | 4.7201% | 451 |
| Net loans and leases to total assets | 59.7667% | 3,760 |
| Net loans and leases to deposits | 64.3883% | 4,458 |
| Net loans and leases to core deposits | 69.6978% | 4,296 |
| Total domestic deposits to total assets | 92.8222% | 94 |
| Equity capital to assets | 6.9945% | 6,444 |
| Core capital (leverage) ratio | 6.5910% | 6,488 |
| Tier 1 risk-based capital ratio | 10.6413% | 6,206 |
| Total risk-based capital ratio | 11.9203% | 6,138 |
| Memoranda: | ||
| Average total assets | $131,957,000 | 3,995 |
| Average earning assets | $112,212,000 | 4,181 |
| Average equity | $8,748,330 | 5,098 |
| Average total loans | $82,785,000 | 3,834 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,497 |
| Cost of funding earning assets | 0.9029% | 442 |
| Net interest margin | 3.1428% | 5,108 |
| Noninterest income to average assets | 0.4423% | 3,845 |
| Noninterest expense to average assets | 3.6819% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5683% | 6,498 |
| Return on assets (ROA) | -0.5683% | 6,495 |
| Pretax return on assets | -0.5683% | 6,479 |
| Return on Equity (ROE) | -8.7887% | 6,545 |
| Retained earnings to average equity (ytd only) | -8.7887% | 6,319 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2502% | 187 |
| Assets per employee ($millions) | 2.5710% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4303% | 283 |
| Loan loss allowance to noncurrent loans | 49.8951% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 12.4582% | 70 |
| Noncurrent loans to loans | 6.8749% | 228 |
| Net loans and leases to total assets | 58.9848% | 3,704 |
| Net loans and leases to deposits | 68.4952% | 3,800 |
| Net loans and leases to core deposits | 74.1775% | 3,626 |
| Total domestic deposits to total assets | 86.1152% | 3,304 |
| Equity capital to assets | 6.4294% | 6,530 |
| Core capital (leverage) ratio | 6.3821% | 6,547 |
| Tier 1 risk-based capital ratio | 10.0086% | 6,475 |
| Total risk-based capital ratio | 11.2825% | 6,443 |
| Memoranda: | ||
| Average total assets | $136,558,500 | 3,943 |
| Average earning assets | $116,073,500 | 4,141 |
| Average equity | $8,829,500 | 5,098 |
| Average total loans | $86,011,000 | 3,795 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 3,596 |
| Cost of funding earning assets | 0.9312% | 633 |
| Net interest margin | 3.2040% | 4,986 |
| Noninterest income to average assets | 0.5133% | 3,678 |
| Noninterest expense to average assets | 5.1766% | 307 |
| Loan and lease loss provision to assets | 1.0104% | 177 |
| Net operating income to assets | -3.2771% | 6,773 |
| Return on assets (ROA) | -3.2771% | 6,768 |
| Pretax return on assets | -2.9275% | 6,758 |
| Return on Equity (ROE) | -40.4614% | 6,760 |
| Retained earnings to average equity (ytd only) | -40.4614% | 6,757 |
| Net charge-offs to loans | 2.1829% | 156 |
| Credit loss provision to net charge-offs | 67.2043% | 3,377 |
| Earnings coverage of net charge-offs (x) | -1.2751% | 5,283 |
| Efficiency ratio | 158.8138% | 59 |
| Assets per employee ($millions) | 2.5343% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2154% | 363 |
| Loan loss allowance to noncurrent loans | 50.5847% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 12.7027% | 68 |
| Noncurrent loans to loans | 6.3564% | 297 |
| Net loans and leases to total assets | 62.7951% | 3,237 |
| Net loans and leases to deposits | 72.9231% | 3,406 |
| Net loans and leases to core deposits | 78.9470% | 3,243 |
| Total domestic deposits to total assets | 86.1114% | 3,197 |
| Equity capital to assets | 6.5019% | 6,570 |
| Core capital (leverage) ratio | 6.3114% | 6,620 |
| Tier 1 risk-based capital ratio | 9.6244% | 6,590 |
| Total risk-based capital ratio | 10.8956% | 6,565 |
| Memoranda: | ||
| Average total assets | $148,455,200 | 3,733 |
| Average earning assets | $127,248,400 | 3,900 |
| Average equity | $12,023,800 | 4,434 |
| Average total loans | $102,247,200 | 3,397 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 3,630 |
| Cost of funding earning assets | 0.9329% | 693 |
| Net interest margin | 3.1996% | 5,000 |
| Noninterest income to average assets | 0.4986% | 3,813 |
| Noninterest expense to average assets | 4.2371% | 666 |
| Loan and lease loss provision to assets | 1.3214% | 100 |
| Net operating income to assets | -1.3980% | 6,746 |
| Return on assets (ROA) | -1.3980% | 6,748 |
| Pretax return on assets | -2.3106% | 6,810 |
| Return on Equity (ROE) | -16.5241% | 6,746 |
| Retained earnings to average equity (ytd only) | -16.5241% | 6,722 |
| Net charge-offs to loans | 2.1828% | 160 |
| Credit loss provision to net charge-offs | 86.7553% | 2,697 |
| Earnings coverage of net charge-offs (x) | -0.6495% | 4,971 |
| Efficiency ratio | 130.4584% | 128 |
| Assets per employee ($millions) | 2.5295% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5357% | 327 |
| Loan loss allowance to noncurrent loans | 43.5821% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 12.8478% | 73 |
| Noncurrent loans to loans | 8.1128% | 217 |
| Net loans and leases to total assets | 63.5421% | 3,071 |
| Net loans and leases to deposits | 76.5231% | 2,879 |
| Net loans and leases to core deposits | 83.5873% | 2,691 |
| Total domestic deposits to total assets | 83.0365% | 4,558 |
| Equity capital to assets | 8.4616% | 5,777 |
| Core capital (leverage) ratio | 7.4304% | 6,475 |
| Tier 1 risk-based capital ratio | 10.7068% | 6,390 |
| Total risk-based capital ratio | 11.9823% | 6,351 |
| Memoranda: | ||
| Average total assets | $151,355,750 | 3,715 |
| Average earning assets | $130,055,250 | 3,882 |
| Average equity | $12,805,250 | 4,347 |
| Average total loans | $105,611,000 | 3,353 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1484% | 3,545 |
| Cost of funding earning assets | 0.9359% | 761 |
| Net interest margin | 3.2125% | 4,899 |
| Noninterest income to average assets | 0.4683% | 4,036 |
| Noninterest expense to average assets | 4.4866% | 530 |
| Loan and lease loss provision to assets | 1.9512% | 54 |
| Net operating income to assets | -1.8797% | 6,840 |
| Return on assets (ROA) | -1.8797% | 6,843 |
| Pretax return on assets | -3.1922% | 6,896 |
| Return on Equity (ROE) | -22.2188% | 6,837 |
| Retained earnings to average equity (ytd only) | -22.2188% | 6,814 |
| Net charge-offs to loans | 2.6897% | 128 |
| Credit loss provision to net charge-offs | 102.1798% | 2,168 |
| Earnings coverage of net charge-offs (x) | -0.6499% | 4,680 |
| Efficiency ratio | 138.2365% | 101 |
| Assets per employee ($millions) | 2.6164% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5853% | 346 |
| Loan loss allowance to noncurrent loans | 44.3940% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 11.9243% | 104 |
| Noncurrent loans to loans | 8.0761% | 252 |
| Net loans and leases to total assets | 65.2583% | 2,716 |
| Net loans and leases to deposits | 78.1161% | 2,558 |
| Net loans and leases to core deposits | 85.3835% | 2,395 |
| Total domestic deposits to total assets | 83.5401% | 4,499 |
| Equity capital to assets | 8.2558% | 6,010 |
| Core capital (leverage) ratio | 7.1787% | 6,569 |
| Tier 1 risk-based capital ratio | 10.6186% | 6,470 |
| Total risk-based capital ratio | 11.8962% | 6,438 |
| Memoranda: | ||
| Average total assets | $153,747,670 | 3,707 |
| Average earning assets | $132,919,000 | 3,847 |
| Average equity | $13,007,000 | 4,343 |
| Average total loans | $109,157,000 | 3,293 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,714 |
| Cost of funding earning assets | 0.9338% | 835 |
| Net interest margin | 3.4110% | 4,081 |
| Noninterest income to average assets | 0.4768% | 3,941 |
| Noninterest expense to average assets | 3.2245% | 2,281 |
| Loan and lease loss provision to assets | 3.8448% | 18 |
| Net operating income to assets | -2.0634% | 6,930 |
| Return on assets (ROA) | -2.0634% | 6,931 |
| Pretax return on assets | -3.6244% | 6,977 |
| Return on Equity (ROE) | -24.1117% | 6,916 |
| Retained earnings to average equity (ytd only) | -24.1117% | 6,872 |
| Net charge-offs to loans | 4.6863% | 53 |
| Credit loss provision to net charge-offs | 113.0369% | 1,668 |
| Earnings coverage of net charge-offs (x) | 0.0648% | 3,799 |
| Efficiency ratio | 93.6012% | 861 |
| Assets per employee ($millions) | 2.6686% | 6,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4706% | 427 |
| Loan loss allowance to noncurrent loans | 44.9009% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 10.2623% | 178 |
| Noncurrent loans to loans | 7.7294% | 353 |
| Net loans and leases to total assets | 67.5669% | 2,097 |
| Net loans and leases to deposits | 80.7911% | 1,972 |
| Net loans and leases to core deposits | 88.4353% | 1,859 |
| Total domestic deposits to total assets | 83.6316% | 4,620 |
| Equity capital to assets | 8.4733% | 6,045 |
| Core capital (leverage) ratio | 7.6140% | 6,412 |
| Tier 1 risk-based capital ratio | 11.1628% | 6,335 |
| Total risk-based capital ratio | 12.4405% | 6,298 |
| Memoranda: | ||
| Average total assets | $156,055,500 | 3,707 |
| Average earning assets | $135,794,500 | 3,832 |
| Average equity | $13,354,500 | 4,314 |
| Average total loans | $113,265,500 | 3,228 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 1,575 |
| Cost of funding earning assets | 1.0030% | 1,343 |
| Net interest margin | 3.9900% | 2,433 |
| Noninterest income to average assets | 0.2781% | 5,475 |
| Noninterest expense to average assets | 5.1406% | 349 |
| Loan and lease loss provision to assets | 1.0125% | 403 |
| Net operating income to assets | -2.0667% | 6,937 |
| Return on assets (ROA) | -2.0667% | 6,944 |
| Pretax return on assets | -2.3306% | 6,963 |
| Return on Equity (ROE) | -21.6092% | 6,900 |
| Retained earnings to average equity (ytd only) | -21.6092% | 6,871 |
| Net charge-offs to loans | 0.7411% | 1,584 |
| Credit loss provision to net charge-offs | 164.5692% | 1,626 |
| Earnings coverage of net charge-offs (x) | -2.1423% | 5,838 |
| Efficiency ratio | 88.7816% | 1,168 |
| Assets per employee ($millions) | 2.7602% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0349% | 638 |
| Loan loss allowance to noncurrent loans | 48.0767% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 9.5754% | 233 |
| Noncurrent loans to loans | 6.3127% | 543 |
| Net loans and leases to total assets | 72.8426% | 1,367 |
| Net loans and leases to deposits | 87.1010% | 1,375 |
| Net loans and leases to core deposits | 95.5989% | 1,340 |
| Total domestic deposits to total assets | 83.6301% | 4,486 |
| Equity capital to assets | 8.6404% | 5,914 |
| Core capital (leverage) ratio | 8.4590% | 5,683 |
| Tier 1 risk-based capital ratio | 11.8199% | 5,895 |
| Total risk-based capital ratio | 13.0972% | 5,840 |
| Memoranda: | ||
| Average total assets | $167,898,400 | 3,488 |
| Average earning assets | $149,146,600 | 3,577 |
| Average equity | $16,058,000 | 3,761 |
| Average total loans | $139,379,800 | 2,726 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 1,529 |
| Cost of funding earning assets | 1.0059% | 1,522 |
| Net interest margin | 4.0542% | 2,275 |
| Noninterest income to average assets | 0.1313% | 6,478 |
| Noninterest expense to average assets | 3.3086% | 2,249 |
| Loan and lease loss provision to assets | 1.3291% | 260 |
| Net operating income to assets | -0.5082% | 6,705 |
| Return on assets (ROA) | -0.5082% | 6,736 |
| Pretax return on assets | -0.8889% | 6,830 |
| Return on Equity (ROE) | -5.1976% | 6,721 |
| Retained earnings to average equity (ytd only) | -5.1976% | 6,627 |
| Net charge-offs to loans | 0.3815% | 2,570 |
| Credit loss provision to net charge-offs | 410.6280% | 655 |
| Earnings coverage of net charge-offs (x) | 1.3599% | 4,619 |
| Efficiency ratio | 88.2586% | 1,163 |
| Assets per employee ($millions) | 2.7957% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1576% | 625 |
| Loan loss allowance to noncurrent loans | 54.8299% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 7.1019% | 503 |
| Noncurrent loans to loans | 5.7588% | 730 |
| Net loans and leases to total assets | 79.5533% | 548 |
| Net loans and leases to deposits | 96.8730% | 603 |
| Net loans and leases to core deposits | 106.5632% | 711 |
| Total domestic deposits to total assets | 82.1212% | 4,973 |
| Equity capital to assets | 10.3550% | 4,010 |
| Core capital (leverage) ratio | 8.5297% | 5,710 |
| Tier 1 risk-based capital ratio | 11.1431% | 6,424 |
| Total risk-based capital ratio | 12.4272% | 6,376 |
| Memoranda: | ||
| Average total assets | $170,540,250 | 3,478 |
| Average earning assets | $152,169,000 | 3,548 |
| Average equity | $16,674,000 | 3,707 |
| Average total loans | $144,677,000 | 2,680 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 1,607 |
| Cost of funding earning assets | 1.0100% | 1,708 |
| Net interest margin | 4.0567% | 2,261 |
| Noninterest income to average assets | 0.3508% | 5,035 |
| Noninterest expense to average assets | 3.3149% | 2,271 |
| Loan and lease loss provision to assets | 1.9615% | 151 |
| Net operating income to assets | -0.7673% | 6,845 |
| Return on assets (ROA) | -0.7673% | 6,870 |
| Pretax return on assets | -1.2969% | 6,969 |
| Return on Equity (ROE) | -7.9952% | 6,862 |
| Retained earnings to average equity (ytd only) | -7.9952% | 6,769 |
| Net charge-offs to loans | 0.1468% | 3,737 |
| Credit loss provision to net charge-offs | 1,559.6330% | 208 |
| Earnings coverage of net charge-offs (x) | 5.2844% | 2,868 |
| Efficiency ratio | 83.2995% | 1,706 |
| Assets per employee ($millions) | 3.0793% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1119% | 708 |
| Loan loss allowance to noncurrent loans | 54.3953% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 7.4214% | 495 |
| Noncurrent loans to loans | 5.7209% | 792 |
| Net loans and leases to total assets | 82.9277% | 268 |
| Net loans and leases to deposits | 100.7518% | 392 |
| Net loans and leases to core deposits | 111.1262% | 536 |
| Total domestic deposits to total assets | 82.3089% | 5,015 |
| Equity capital to assets | 9.9054% | 4,475 |
| Core capital (leverage) ratio | 8.1495% | 6,095 |
| Tier 1 risk-based capital ratio | 10.5075% | 6,690 |
| Total risk-based capital ratio | 11.7842% | 6,667 |
| Memoranda: | ||
| Average total assets | $173,336,000 | 3,455 |
| Average earning assets | $155,053,330 | 3,514 |
| Average equity | $16,635,000 | 3,711 |
| Average total loans | $148,501,330 | 2,637 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 1,380 |
| Cost of funding earning assets | 1.0117% | 1,908 |
| Net interest margin | 4.1590% | 1,901 |
| Noninterest income to average assets | 0.3126% | 5,384 |
| Noninterest expense to average assets | 3.2831% | 2,342 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4974% | 4,841 |
| Return on assets (ROA) | 0.4974% | 5,048 |
| Pretax return on assets | 0.7529% | 4,595 |
| Return on Equity (ROE) | 5.2643% | 4,660 |
| Retained earnings to average equity (ytd only) | 5.2643% | 3,393 |
| Net charge-offs to loans | -0.1730% | 6,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3454% | 2,034 |
| Assets per employee ($millions) | 3.2019% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 2,340 |
| Loan loss allowance to noncurrent loans | 64.9761% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 4.6796% | 1,128 |
| Noncurrent loans to loans | 3.0837% | 2,076 |
| Net loans and leases to total assets | 82.9000% | 228 |
| Net loans and leases to deposits | 99.8611% | 376 |
| Net loans and leases to core deposits | 111.0747% | 496 |
| Total domestic deposits to total assets | 83.0152% | 4,920 |
| Equity capital to assets | 9.4676% | 4,854 |
| Core capital (leverage) ratio | 8.0376% | 6,222 |
| Tier 1 risk-based capital ratio | 9.9577% | 6,890 |
| Total risk-based capital ratio | 11.2187% | 6,885 |
| Memoranda: | ||
| Average total assets | $175,323,000 | 3,450 |
| Average earning assets | $156,960,500 | 3,494 |
| Average equity | $16,564,500 | 3,721 |
| Average total loans | $150,272,500 | 2,628 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 844 |
| Cost of funding earning assets | 1.2621% | 1,668 |
| Net interest margin | 4.4000% | 1,399 |
| Noninterest income to average assets | 0.3115% | 5,315 |
| Noninterest expense to average assets | 3.7672% | 1,412 |
| Loan and lease loss provision to assets | 0.7747% | 1,287 |
| Net operating income to assets | -0.2717% | 6,319 |
| Return on assets (ROA) | -0.8959% | 6,726 |
| Pretax return on assets | -0.8959% | 6,689 |
| Return on Equity (ROE) | -9.1967% | 6,720 |
| Retained earnings to average equity (ytd only) | -9.1967% | 6,677 |
| Net charge-offs to loans | 0.4543% | 3,168 |
| Credit loss provision to net charge-offs | 196.6292% | 1,290 |
| Earnings coverage of net charge-offs (x) | 1.2767% | 4,822 |
| Efficiency ratio | 88.2208% | 1,344 |
| Assets per employee ($millions) | 2.9090% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 2,484 |
| Loan loss allowance to noncurrent loans | 41.8099% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 6.5910% | 713 |
| Noncurrent loans to loans | 4.6078% | 1,289 |
| Net loans and leases to total assets | 85.1657% | 160 |
| Net loans and leases to deposits | 102.5583% | 348 |
| Net loans and leases to core deposits | 116.2646% | 441 |
| Total domestic deposits to total assets | 83.0412% | 4,734 |
| Equity capital to assets | 9.4282% | 4,988 |
| Core capital (leverage) ratio | 7.6637% | 6,561 |
| Tier 1 risk-based capital ratio | 9.5604% | 6,951 |
| Total risk-based capital ratio | 10.8202% | 6,941 |
| Memoranda: | ||
| Average total assets | $180,718,000 | 3,322 |
| Average earning assets | $162,589,600 | 3,355 |
| Average equity | $17,604,200 | 3,491 |
| Average total loans | $156,741,000 | 2,545 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7762% | 732 |
| Cost of funding earning assets | 1.2814% | 1,810 |
| Net interest margin | 4.4949% | 1,165 |
| Noninterest income to average assets | 0.2941% | 5,508 |
| Noninterest expense to average assets | 3.8595% | 1,213 |
| Loan and lease loss provision to assets | 0.8961% | 1,000 |
| Net operating income to assets | -0.4097% | 6,590 |
| Return on assets (ROA) | -1.2348% | 6,988 |
| Pretax return on assets | -1.2348% | 6,952 |
| Return on Equity (ROE) | -12.5794% | 6,961 |
| Retained earnings to average equity (ytd only) | -12.5794% | 6,934 |
| Net charge-offs to loans | 0.3265% | 3,464 |
| Credit loss provision to net charge-offs | 316.5375% | 888 |
| Earnings coverage of net charge-offs (x) | 1.7183% | 4,364 |
| Efficiency ratio | 88.8066% | 1,266 |
| Assets per employee ($millions) | 2.9899% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 2,481 |
| Loan loss allowance to noncurrent loans | 58.9365% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 5.3804% | 1,047 |
| Noncurrent loans to loans | 3.3048% | 2,090 |
| Net loans and leases to total assets | 86.1516% | 131 |
| Net loans and leases to deposits | 103.1365% | 347 |
| Net loans and leases to core deposits | 115.8052% | 503 |
| Total domestic deposits to total assets | 83.5316% | 4,465 |
| Equity capital to assets | 9.1347% | 5,603 |
| Core capital (leverage) ratio | 7.5784% | 6,715 |
| Tier 1 risk-based capital ratio | 9.1913% | 7,092 |
| Total risk-based capital ratio | 10.4538% | 7,086 |
| Memoranda: | ||
| Average total assets | $182,262,250 | 3,313 |
| Average earning assets | $164,301,250 | 3,351 |
| Average equity | $17,891,250 | 3,440 |
| Average total loans | $158,034,000 | 2,548 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7667% | 773 |
| Cost of funding earning assets | 1.3515% | 1,640 |
| Net interest margin | 4.4152% | 1,323 |
| Noninterest income to average assets | 0.2882% | 5,577 |
| Noninterest expense to average assets | 2.9102% | 3,984 |
| Loan and lease loss provision to assets | 0.8733% | 1,027 |
| Net operating income to assets | 0.4879% | 4,552 |
| Return on assets (ROA) | 0.4879% | 4,696 |
| Pretax return on assets | 0.4879% | 5,109 |
| Return on Equity (ROE) | 4.8606% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.8606% | 3,080 |
| Net charge-offs to loans | 0.2731% | 3,522 |
| Credit loss provision to net charge-offs | 370.3704% | 823 |
| Earnings coverage of net charge-offs (x) | 5.7731% | 2,532 |
| Efficiency ratio | 68.1319% | 4,490 |
| Assets per employee ($millions) | 3.0806% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 2,882 |
| Loan loss allowance to noncurrent loans | 54.9571% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 5.6237% | 1,036 |
| Noncurrent loans to loans | 3.3353% | 2,142 |
| Net loans and leases to total assets | 84.4067% | 221 |
| Net loans and leases to deposits | 100.5816% | 465 |
| Net loans and leases to core deposits | 111.4674% | 672 |
| Total domestic deposits to total assets | 83.9187% | 4,386 |
| Equity capital to assets | 10.3664% | 3,670 |
| Core capital (leverage) ratio | 8.6255% | 5,353 |
| Tier 1 risk-based capital ratio | 10.8412% | 6,630 |
| Total risk-based capital ratio | 12.0999% | 6,596 |
| Memoranda: | ||
| Average total assets | $183,219,000 | 3,325 |
| Average earning assets | $165,292,670 | 3,351 |
| Average equity | $18,392,670 | 3,351 |
| Average total loans | $158,172,330 | 2,566 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5676% | 1,132 |
| Cost of funding earning assets | 1.3806% | 1,711 |
| Net interest margin | 4.1870% | 1,939 |
| Noninterest income to average assets | 0.2156% | 6,193 |
| Noninterest expense to average assets | 2.7883% | 4,500 |
| Loan and lease loss provision to assets | 0.1294% | 4,382 |
| Net operating income to assets | 1.0912% | 1,867 |
| Return on assets (ROA) | 1.0912% | 1,911 |
| Pretax return on assets | 1.0912% | 2,790 |
| Return on Equity (ROE) | 11.0432% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.0432% | 895 |
| Net charge-offs to loans | 0.5335% | 2,160 |
| Credit loss provision to net charge-offs | 28.0374% | 4,150 |
| Earnings coverage of net charge-offs (x) | 2.6449% | 3,021 |
| Efficiency ratio | 69.5535% | 4,365 |
| Assets per employee ($millions) | 3.0876% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 5,035 |
| Loan loss allowance to noncurrent loans | 138.5333% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 3.4282% | 1,984 |
| Noncurrent loans to loans | 0.9526% | 5,130 |
| Net loans and leases to total assets | 83.8711% | 235 |
| Net loans and leases to deposits | 99.2818% | 513 |
| Net loans and leases to core deposits | 112.9652% | 630 |
| Total domestic deposits to total assets | 84.4779% | 4,281 |
| Equity capital to assets | 10.0298% | 3,740 |
| Core capital (leverage) ratio | 8.6226% | 5,226 |
| Tier 1 risk-based capital ratio | 10.4934% | 6,807 |
| Total risk-based capital ratio | 11.7487% | 6,792 |
| Memoranda: | ||
| Average total assets | $185,492,000 | 3,308 |
| Average earning assets | $168,043,500 | 3,330 |
| Average equity | $18,328,000 | 3,353 |
| Average total loans | $160,444,500 | 2,554 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9278% | 983 |
| Cost of funding earning assets | 1.5060% | 2,600 |
| Net interest margin | 4.4218% | 1,415 |
| Noninterest income to average assets | 0.4033% | 4,888 |
| Noninterest expense to average assets | 2.7780% | 4,678 |
| Loan and lease loss provision to assets | 1.6322% | 884 |
| Net operating income to assets | 0.0347% | 5,744 |
| Return on assets (ROA) | 0.4147% | 4,615 |
| Pretax return on assets | 0.4147% | 4,900 |
| Return on Equity (ROE) | 4.5553% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.3058% | 4,895 |
| Net charge-offs to loans | 1.3855% | 1,612 |
| Credit loss provision to net charge-offs | 139.4066% | 2,728 |
| Earnings coverage of net charge-offs (x) | 1.4237% | 4,693 |
| Efficiency ratio | 62.4985% | 5,632 |
| Assets per employee ($millions) | 3.3768% | 5,225 |
| Cash dividends to net income (ytd only)* | 71.3351% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 4,671 |
| Loan loss allowance to noncurrent loans | 46.7141% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 3.3657% | 2,082 |
| Noncurrent loans to loans | 2.9235% | 2,609 |
| Net loans and leases to total assets | 86.7951% | 143 |
| Net loans and leases to deposits | 102.3713% | 468 |
| Net loans and leases to core deposits | 116.5337% | 623 |
| Total domestic deposits to total assets | 84.7846% | 3,951 |
| Equity capital to assets | 9.7321% | 4,077 |
| Core capital (leverage) ratio | 8.1215% | 5,967 |
| Tier 1 risk-based capital ratio | 10.0130% | 6,978 |
| Total risk-based capital ratio | 11.2647% | 6,964 |
| Memoranda: | ||
| Average total assets | $184,231,000 | 3,306 |
| Average earning assets | $168,391,800 | 3,308 |
| Average equity | $16,771,600 | 3,635 |
| Average total loans | $155,679,000 | 2,675 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9218% | 1,080 |
| Cost of funding earning assets | 1.5183% | 2,858 |
| Net interest margin | 4.4035% | 1,512 |
| Noninterest income to average assets | 0.3785% | 5,131 |
| Noninterest expense to average assets | 2.7470% | 4,694 |
| Loan and lease loss provision to assets | 0.8702% | 1,746 |
| Net operating income to assets | 0.7890% | 3,048 |
| Return on assets (ROA) | 1.2966% | 1,415 |
| Pretax return on assets | 1.2966% | 2,181 |
| Return on Equity (ROE) | 14.4958% | 939 |
| Retained earnings to average equity (ytd only) | 10.0773% | 774 |
| Net charge-offs to loans | 0.0980% | 5,547 |
| Credit loss provision to net charge-offs | 1,061.9469% | 281 |
| Earnings coverage of net charge-offs (x) | 20.2482% | 1,177 |
| Efficiency ratio | 62.3436% | 5,554 |
| Assets per employee ($millions) | 3.4066% | 5,192 |
| Cash dividends to net income (ytd only)* | 30.4811% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 3,926 |
| Loan loss allowance to noncurrent loans | 101.5214% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 3,409 |
| Noncurrent loans to loans | 1.4842% | 4,407 |
| Net loans and leases to total assets | 84.5973% | 292 |
| Net loans and leases to deposits | 98.8322% | 739 |
| Net loans and leases to core deposits | 117.4705% | 700 |
| Total domestic deposits to total assets | 85.5969% | 3,296 |
| Equity capital to assets | 9.0286% | 5,542 |
| Core capital (leverage) ratio | 7.6971% | 6,675 |
| Tier 1 risk-based capital ratio | 9.3399% | 7,293 |
| Total risk-based capital ratio | 10.5947% | 7,301 |
| Memoranda: | ||
| Average total assets | $183,857,250 | 3,364 |
| Average earning assets | $168,165,250 | 3,355 |
| Average equity | $16,445,750 | 3,732 |
| Average total loans | $153,740,500 | 2,749 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0068% | 934 |
| Cost of funding earning assets | 1.5240% | 3,108 |
| Net interest margin | 4.4828% | 1,239 |
| Noninterest income to average assets | 0.3745% | 5,131 |
| Noninterest expense to average assets | 2.7507% | 4,700 |
| Loan and lease loss provision to assets | 0.2203% | 4,690 |
| Net operating income to assets | 1.5059% | 906 |
| Return on assets (ROA) | 2.0622% | 324 |
| Pretax return on assets | 2.0622% | 534 |
| Return on Equity (ROE) | 23.1306% | 169 |
| Retained earnings to average equity (ytd only) | 20.6594% | 77 |
| Net charge-offs to loans | 0.1051% | 5,099 |
| Credit loss provision to net charge-offs | 253.1646% | 1,509 |
| Earnings coverage of net charge-offs (x) | 19.8354% | 1,242 |
| Efficiency ratio | 61.4419% | 5,782 |
| Assets per employee ($millions) | 3.5043% | 4,920 |
| Cash dividends to net income (ytd only)* | 10.6838% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,576 |
| Loan loss allowance to noncurrent loans | 565.0376% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 5,538 |
| Noncurrent loans to loans | 0.1692% | 6,919 |
| Net loans and leases to total assets | 82.2721% | 508 |
| Net loans and leases to deposits | 99.4811% | 767 |
| Net loans and leases to core deposits | 116.5079% | 825 |
| Total domestic deposits to total assets | 82.7012% | 4,696 |
| Equity capital to assets | 8.9456% | 5,533 |
| Core capital (leverage) ratio | 7.4578% | 6,863 |
| Tier 1 risk-based capital ratio | 9.3078% | 7,335 |
| Total risk-based capital ratio | 10.3275% | 7,405 |
| Memoranda: | ||
| Average total assets | $181,552,330 | 3,423 |
| Average earning assets | $166,144,670 | 3,407 |
| Average equity | $16,186,330 | 3,764 |
| Average total loans | $150,368,330 | 2,832 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1329% | 734 |
| Cost of funding earning assets | 1.5215% | 3,415 |
| Net interest margin | 4.6113% | 928 |
| Noninterest income to average assets | 0.3961% | 4,943 |
| Noninterest expense to average assets | 2.7280% | 4,775 |
| Loan and lease loss provision to assets | 0.4502% | 2,716 |
| Net operating income to assets | 1.4405% | 1,002 |
| Return on assets (ROA) | 2.5772% | 146 |
| Pretax return on assets | 2.5772% | 224 |
| Return on Equity (ROE) | 28.9589% | 101 |
| Retained earnings to average equity (ytd only) | 27.6944% | 84 |
| Net charge-offs to loans | 0.2259% | 3,571 |
| Credit loss provision to net charge-offs | 240.9639% | 1,594 |
| Earnings coverage of net charge-offs (x) | 10.1205% | 1,779 |
| Efficiency ratio | 59.0643% | 6,329 |
| Assets per employee ($millions) | 3.3574% | 5,411 |
| Cash dividends to net income (ytd only)* | 4.3668% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 7,115 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 82.2508% | 560 |
| Net loans and leases to deposits | 102.4753% | 613 |
| Net loans and leases to core deposits | 117.8695% | 873 |
| Total domestic deposits to total assets | 80.2640% | 5,699 |
| Equity capital to assets | 8.9003% | 5,411 |
| Core capital (leverage) ratio | 7.4238% | 6,916 |
| Tier 1 risk-based capital ratio | 9.3459% | 7,375 |
| Total risk-based capital ratio | 10.4118% | 7,448 |
| Memoranda: | ||
| Average total assets | $177,712,000 | 3,527 |
| Average earning assets | $162,729,000 | 3,514 |
| Average equity | $15,815,500 | 3,864 |
| Average total loans | $146,958,000 | 2,944 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 1,212 |
| Cost of funding earning assets | 1.8024% | 3,984 |
| Net interest margin | 4.4086% | 1,408 |
| Noninterest income to average assets | 0.4398% | 4,886 |
| Noninterest expense to average assets | 3.0732% | 3,858 |
| Loan and lease loss provision to assets | 0.3516% | 4,696 |
| Net operating income to assets | 0.9875% | 1,882 |
| Return on assets (ROA) | 1.1096% | 1,519 |
| Pretax return on assets | 1.1096% | 2,216 |
| Return on Equity (ROE) | 11.4787% | 1,299 |
| Retained earnings to average equity (ytd only) | 5.2435% | 1,700 |
| Net charge-offs to loans | -0.0789% | 7,871 |
| Credit loss provision to net charge-offs | -585.1064% | 7,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6509% | 4,705 |
| Assets per employee ($millions) | 3.1659% | 5,804 |
| Cash dividends to net income (ytd only)* | 54.3203% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 6,559 |
| Loan loss allowance to noncurrent loans | 921.3333% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 6,469 |
| Noncurrent loans to loans | 0.1047% | 7,150 |
| Net loans and leases to total assets | 81.5019% | 763 |
| Net loans and leases to deposits | 103.2837% | 685 |
| Net loans and leases to core deposits | 166.6620% | 264 |
| Total domestic deposits to total assets | 78.9107% | 6,001 |
| Equity capital to assets | 8.8987% | 5,284 |
| Core capital (leverage) ratio | 7.2533% | 7,028 |
| Tier 1 risk-based capital ratio | 8.9955% | 7,468 |
| Total risk-based capital ratio | 10.0274% | 7,575 |
| Memoranda: | ||
| Average total assets | $156,450,000 | 3,846 |
| Average earning assets | $140,975,800 | 3,880 |
| Average equity | $15,123,600 | 4,041 |
| Average total loans | $119,166,600 | 3,501 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2709% | 1,197 |
| Cost of funding earning assets | 1.8789% | 3,995 |
| Net interest margin | 4.3919% | 1,460 |
| Noninterest income to average assets | 0.4806% | 4,663 |
| Noninterest expense to average assets | 2.9125% | 4,404 |
| Loan and lease loss provision to assets | 0.2412% | 5,034 |
| Net operating income to assets | 1.2690% | 1,292 |
| Return on assets (ROA) | 1.4365% | 1,012 |
| Pretax return on assets | 1.4365% | 1,604 |
| Return on Equity (ROE) | 14.5299% | 832 |
| Retained earnings to average equity (ytd only) | 7.0520% | 1,485 |
| Net charge-offs to loans | -0.1414% | 7,947 |
| Credit loss provision to net charge-offs | -229.1667% | 7,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8537% | 5,393 |
| Assets per employee ($millions) | 3.0152% | 6,126 |
| Cash dividends to net income (ytd only)* | 51.4650% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 6,838 |
| Loan loss allowance to noncurrent loans | 194.0068% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 6,049 |
| Noncurrent loans to loans | 0.4547% | 6,414 |
| Net loans and leases to total assets | 79.6616% | 1,242 |
| Net loans and leases to deposits | 96.4351% | 1,518 |
| Net loans and leases to core deposits | 155.0049% | 478 |
| Total domestic deposits to total assets | 82.6064% | 4,395 |
| Equity capital to assets | 9.6986% | 4,497 |
| Core capital (leverage) ratio | 7.5823% | 6,882 |
| Tier 1 risk-based capital ratio | 9.4762% | 7,394 |
| Total risk-based capital ratio | 10.3673% | 7,583 |
| Memoranda: | ||
| Average total assets | $152,031,000 | 3,946 |
| Average earning assets | $136,458,500 | 3,994 |
| Average equity | $15,030,750 | 4,090 |
| Average total loans | $113,133,750 | 3,650 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3084% | 1,189 |
| Cost of funding earning assets | 1.8701% | 4,422 |
| Net interest margin | 4.4384% | 1,317 |
| Noninterest income to average assets | 0.4537% | 4,824 |
| Noninterest expense to average assets | 2.9336% | 4,366 |
| Loan and lease loss provision to assets | 0.3680% | 3,717 |
| Net operating income to assets | 1.1162% | 1,721 |
| Return on assets (ROA) | 1.1804% | 1,617 |
| Pretax return on assets | 1.1804% | 2,358 |
| Return on Equity (ROE) | 11.8591% | 1,462 |
| Retained earnings to average equity (ytd only) | 2.9446% | 3,686 |
| Net charge-offs to loans | -0.2166% | 8,035 |
| Credit loss provision to net charge-offs | -235.0427% | 6,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4041% | 5,475 |
| Assets per employee ($millions) | 3.0132% | 6,092 |
| Cash dividends to net income (ytd only)* | 75.1701% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 6,404 |
| Loan loss allowance to noncurrent loans | 350.9317% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 6,162 |
| Noncurrent loans to loans | 0.2785% | 6,826 |
| Net loans and leases to total assets | 73.0633% | 2,948 |
| Net loans and leases to deposits | 90.8002% | 2,696 |
| Net loans and leases to core deposits | 140.6613% | 983 |
| Total domestic deposits to total assets | 80.4660% | 5,292 |
| Equity capital to assets | 9.5656% | 4,530 |
| Core capital (leverage) ratio | 7.7056% | 6,749 |
| Tier 1 risk-based capital ratio | 9.7406% | 7,193 |
| Total risk-based capital ratio | 10.7000% | 7,387 |
| Memoranda: | ||
| Average total assets | $149,439,330 | 4,002 |
| Average earning assets | $133,472,330 | 4,075 |
| Average equity | $14,874,670 | 4,130 |
| Average total loans | $108,032,670 | 3,812 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2693% | 1,388 |
| Cost of funding earning assets | 1.9199% | 4,536 |
| Net interest margin | 4.3495% | 1,466 |
| Noninterest income to average assets | 0.5020% | 4,307 |
| Noninterest expense to average assets | 2.7926% | 4,585 |
| Loan and lease loss provision to assets | 0.2743% | 3,771 |
| Net operating income to assets | 1.3442% | 1,279 |
| Return on assets (ROA) | 1.3442% | 1,370 |
| Pretax return on assets | 1.3442% | 2,139 |
| Return on Equity (ROE) | 13.2272% | 1,331 |
| Retained earnings to average equity (ytd only) | 3.2123% | 4,080 |
| Net charge-offs to loans | -0.4912% | 8,102 |
| Credit loss provision to net charge-offs | -78.1250% | 6,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3085% | 5,810 |
| Assets per employee ($millions) | 2.7958% | 6,649 |
| Cash dividends to net income (ytd only)* | 75.7143% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 6,779 |
| Loan loss allowance to noncurrent loans | 466.6667% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 5,858 |
| Noncurrent loans to loans | 0.1914% | 6,986 |
| Net loans and leases to total assets | 72.3218% | 3,169 |
| Net loans and leases to deposits | 91.1724% | 2,747 |
| Net loans and leases to core deposits | 138.4006% | 1,180 |
| Total domestic deposits to total assets | 79.3242% | 5,601 |
| Equity capital to assets | 10.1209% | 3,867 |
| Core capital (leverage) ratio | 8.0400% | 6,396 |
| Tier 1 risk-based capital ratio | 10.2231% | 6,689 |
| Total risk-based capital ratio | 11.0913% | 6,999 |
| Memoranda: | ||
| Average total assets | $145,816,000 | 4,081 |
| Average earning assets | $131,051,000 | 4,131 |
| Average equity | $14,818,000 | 4,169 |
| Average total loans | $104,244,000 | 3,930 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8582% | 1,520 |
| Cost of funding earning assets | 2.6494% | 3,435 |
| Net interest margin | 4.2087% | 2,282 |
| Noninterest income to average assets | 0.8587% | 2,172 |
| Noninterest expense to average assets | 3.0855% | 3,758 |
| Loan and lease loss provision to assets | 0.2192% | 4,695 |
| Net operating income to assets | 1.3432% | 1,365 |
| Return on assets (ROA) | 1.3622% | 1,275 |
| Pretax return on assets | 1.3622% | 2,084 |
| Return on Equity (ROE) | 13.1931% | 1,288 |
| Retained earnings to average equity (ytd only) | 4.7917% | 2,154 |
| Net charge-offs to loans | 0.4738% | 2,463 |
| Credit loss provision to net charge-offs | 66.0793% | 6,139 |
| Earnings coverage of net charge-offs (x) | 4.7093% | 3,892 |
| Efficiency ratio | 66.3836% | 5,043 |
| Assets per employee ($millions) | 2.7067% | 6,771 |
| Cash dividends to net income (ytd only)* | 63.6803% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 7,341 |
| Loan loss allowance to noncurrent loans | 625.4237% | 720 |
| Noncurrent assets plus other real estate owned to assets | 1.6605% | 2,925 |
| Noncurrent loans to loans | 0.1176% | 7,064 |
| Net loans and leases to total assets | 69.4432% | 4,157 |
| Net loans and leases to deposits | 88.1615% | 3,777 |
| Net loans and leases to core deposits | 131.7259% | 1,742 |
| Total domestic deposits to total assets | 78.7681% | 5,459 |
| Equity capital to assets | 10.2047% | 3,803 |
| Core capital (leverage) ratio | 8.2663% | 6,017 |
| Tier 1 risk-based capital ratio | 10.5185% | 6,194 |
| Total risk-based capital ratio | 11.2083% | 6,671 |
| Memoranda: | ||
| Average total assets | $136,835,000 | 4,145 |
| Average earning assets | $123,196,000 | 4,189 |
| Average equity | $14,128,600 | 4,313 |
| Average total loans | $95,818,400 | 4,057 |