Home > American Founders Bank, Inc. > Performance and Condition Ratios
American Founders Bank, Inc., Performance and Condition Ratios
| 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 | 5.1622% | 676 |
| Cost of funding earning assets | 1.1019% | 398 |
| Net interest margin | 4.0603% | 1,759 |
| Noninterest income to average assets | 0.4352% | 3,254 |
| Noninterest expense to average assets | 3.7514% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4571% | 4,843 |
| Return on assets (ROA) | 0.4959% | 4,774 |
| Pretax return on assets | 0.4959% | 4,910 |
| Return on Equity (ROE) | 4.1771% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.1771% | 3,687 |
| Net charge-offs to loans | -0.2073% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1378% | 359 |
| Assets per employee ($millions) | 5.5161% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 879 |
| Loan loss allowance to noncurrent loans | 98.9410% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.0848% | 498 |
| Noncurrent loans to loans | 1.7141% | 908 |
| Net loans and leases to total assets | 85.9038% | 271 |
| Net loans and leases to deposits | 103.7750% | 560 |
| Net loans and leases to core deposits | 112.2184% | 903 |
| Total domestic deposits to total assets | 82.7789% | 3,380 |
| Equity capital to assets | 14.1585% | 908 |
| Core capital (leverage) ratio | 13.0542% | 1,257 |
| Tier 1 risk-based capital ratio | 17.7492% | 1,858 |
| Total risk-based capital ratio | 19.0078% | 1,814 |
| Memoranda: | ||
| Average total assets | $103,247,250 | 4,091 |
| Average earning assets | $95,952,000 | 4,078 |
| Average equity | $12,257,000 | 4,031 |
| Average total loans | $89,399,500 | 3,522 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 1,039 |
| Cost of funding earning assets | 1.0063% | 463 |
| Net interest margin | 3.8865% | 2,254 |
| Noninterest income to average assets | 0.2753% | 4,348 |
| Noninterest expense to average assets | 3.7305% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1700% | 5,250 |
| Return on assets (ROA) | 0.2254% | 5,200 |
| Pretax return on assets | 0.2254% | 5,218 |
| Return on Equity (ROE) | 2.0037% | 5,173 |
| Retained earnings to average equity (ytd only) | 2.0037% | 4,457 |
| Net charge-offs to loans | -0.2161% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6419% | 227 |
| Assets per employee ($millions) | 5.8421% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 1,875 |
| Loan loss allowance to noncurrent loans | 67.5891% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 582 |
| Noncurrent loans to loans | 2.0199% | 735 |
| Net loans and leases to total assets | 87.2535% | 187 |
| Net loans and leases to deposits | 117.0929% | 142 |
| Net loans and leases to core deposits | 125.8991% | 412 |
| Total domestic deposits to total assets | 74.5164% | 4,998 |
| Equity capital to assets | 11.6425% | 2,096 |
| Core capital (leverage) ratio | 12.2222% | 1,587 |
| Tier 1 risk-based capital ratio | 14.7766% | 2,974 |
| Total risk-based capital ratio | 16.0318% | 2,903 |
| Memoranda: | ||
| Average total assets | $108,243,670 | 4,046 |
| Average earning assets | $100,964,670 | 4,032 |
| Average equity | $12,177,330 | 4,061 |
| Average total loans | $93,491,000 | 3,455 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 1,124 |
| Cost of funding earning assets | 0.9449% | 478 |
| Net interest margin | 3.8342% | 2,282 |
| Noninterest income to average assets | 0.1457% | 5,136 |
| Noninterest expense to average assets | 3.6653% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0583% | 5,353 |
| Return on assets (ROA) | 0.1676% | 5,273 |
| Pretax return on assets | 0.1676% | 5,289 |
| Return on Equity (ROE) | 1.5151% | 5,247 |
| Retained earnings to average equity (ytd only) | 1.5151% | 4,481 |
| Net charge-offs to loans | -0.5121% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4344% | 200 |
| Assets per employee ($millions) | 5.9006% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,861 |
| Loan loss allowance to noncurrent loans | 56.5103% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.3218% | 430 |
| Noncurrent loans to loans | 2.4689% | 558 |
| Net loans and leases to total assets | 85.7717% | 279 |
| Net loans and leases to deposits | 109.7975% | 264 |
| Net loans and leases to core deposits | 116.7637% | 701 |
| Total domestic deposits to total assets | 78.1181% | 4,712 |
| Equity capital to assets | 11.4047% | 2,212 |
| Core capital (leverage) ratio | 11.7192% | 1,835 |
| Tier 1 risk-based capital ratio | 14.5943% | 3,072 |
| Total risk-based capital ratio | 15.8494% | 2,975 |
| Memoranda: | ||
| Average total assets | $109,786,500 | 4,070 |
| Average earning assets | $102,446,000 | 4,049 |
| Average equity | $12,144,500 | 4,096 |
| Average total loans | $93,724,500 | 3,470 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7957% | 983 |
| Cost of funding earning assets | 0.9234% | 333 |
| Net interest margin | 3.8723% | 2,176 |
| Noninterest income to average assets | 0.3320% | 4,096 |
| Noninterest expense to average assets | 3.8417% | 661 |
| Loan and lease loss provision to assets | 0.0984% | 2,257 |
| Net operating income to assets | -0.0054% | 5,367 |
| Return on assets (ROA) | -0.0054% | 5,369 |
| Pretax return on assets | -0.0054% | 5,440 |
| Return on Equity (ROE) | -0.0498% | 5,370 |
| Retained earnings to average equity (ytd only) | -0.0498% | 5,032 |
| Net charge-offs to loans | 0.0978% | 2,103 |
| Credit loss provision to net charge-offs | 127.9070% | 2,058 |
| Earnings coverage of net charge-offs (x) | 1.2093% | 3,916 |
| Efficiency ratio | 97.6348% | 213 |
| Assets per employee ($millions) | 6.2979% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,602 |
| Loan loss allowance to noncurrent loans | 54.3216% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.0871% | 520 |
| Noncurrent loans to loans | 2.2638% | 629 |
| Net loans and leases to total assets | 82.8249% | 585 |
| Net loans and leases to deposits | 102.3859% | 583 |
| Net loans and leases to core deposits | 107.9740% | 1,131 |
| Total domestic deposits to total assets | 80.8948% | 4,140 |
| Equity capital to assets | 10.7408% | 2,908 |
| Core capital (leverage) ratio | 10.8377% | 2,485 |
| Tier 1 risk-based capital ratio | 14.0501% | 3,334 |
| Total risk-based capital ratio | 15.4146% | 3,173 |
| Memoranda: | ||
| Average total assets | $111,748,200 | 4,027 |
| Average earning assets | $103,968,000 | 4,026 |
| Average equity | $12,059,000 | 4,129 |
| Average total loans | $87,952,200 | 3,561 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 1,809 |
| Cost of funding earning assets | 0.8954% | 357 |
| Net interest margin | 3.5493% | 3,324 |
| Noninterest income to average assets | 0.3616% | 3,946 |
| Noninterest expense to average assets | 3.8785% | 612 |
| Loan and lease loss provision to assets | 0.1317% | 1,650 |
| Net operating income to assets | -0.3497% | 5,611 |
| Return on assets (ROA) | -0.3497% | 5,609 |
| Pretax return on assets | -0.3497% | 5,602 |
| Return on Equity (ROE) | -3.2363% | 5,612 |
| Retained earnings to average equity (ytd only) | -3.2363% | 5,500 |
| Net charge-offs to loans | 0.0743% | 2,074 |
| Credit loss provision to net charge-offs | 229.1667% | 1,217 |
| Earnings coverage of net charge-offs (x) | -3.7916% | 3,747 |
| Efficiency ratio | 105.9535% | 118 |
| Assets per employee ($millions) | 6.6586% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,831 |
| Loan loss allowance to noncurrent loans | 52.5926% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.1735% | 566 |
| Noncurrent loans to loans | 2.3116% | 688 |
| Net loans and leases to total assets | 81.8271% | 720 |
| Net loans and leases to deposits | 112.3415% | 209 |
| Net loans and leases to core deposits | 119.7853% | 595 |
| Total domestic deposits to total assets | 72.8378% | 5,327 |
| Equity capital to assets | 9.9930% | 3,915 |
| Core capital (leverage) ratio | 10.4877% | 3,002 |
| Tier 1 risk-based capital ratio | 13.1567% | 3,903 |
| Total risk-based capital ratio | 14.5011% | 3,767 |
| Memoranda: | ||
| Average total assets | $111,344,750 | 4,079 |
| Average earning assets | $103,492,750 | 4,077 |
| Average equity | $12,029,750 | 4,172 |
| Average total loans | $86,175,000 | 3,632 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 1,942 |
| Cost of funding earning assets | 0.8552% | 396 |
| Net interest margin | 3.5045% | 3,381 |
| Noninterest income to average assets | 0.4405% | 3,416 |
| Noninterest expense to average assets | 3.9186% | 586 |
| Loan and lease loss provision to assets | 0.1843% | 1,023 |
| Net operating income to assets | -0.4147% | 5,669 |
| Return on assets (ROA) | -0.4147% | 5,667 |
| Pretax return on assets | -0.4147% | 5,654 |
| Return on Equity (ROE) | -3.7353% | 5,666 |
| Retained earnings to average equity (ytd only) | -3.7353% | 5,477 |
| Net charge-offs to loans | 0.0636% | 2,019 |
| Credit loss provision to net charge-offs | 384.6154% | 802 |
| Earnings coverage of net charge-offs (x) | -4.8077% | 3,461 |
| Efficiency ratio | 106.2469% | 131 |
| Assets per employee ($millions) | 5.8059% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 2,180 |
| Loan loss allowance to noncurrent loans | 50.9402% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.2641% | 516 |
| Noncurrent loans to loans | 2.6474% | 538 |
| Net loans and leases to total assets | 76.7941% | 1,417 |
| Net loans and leases to deposits | 101.1445% | 665 |
| Net loans and leases to core deposits | 111.8118% | 914 |
| Total domestic deposits to total assets | 75.9251% | 5,104 |
| Equity capital to assets | 10.3267% | 3,542 |
| Core capital (leverage) ratio | 11.4104% | 2,037 |
| Tier 1 risk-based capital ratio | 14.4088% | 3,215 |
| Total risk-based capital ratio | 15.7391% | 3,095 |
| Memoranda: | ||
| Average total assets | $108,508,330 | 4,156 |
| Average earning assets | $100,556,000 | 4,155 |
| Average equity | $12,047,330 | 4,178 |
| Average total loans | $81,806,670 | 3,749 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 1,326 |
| Cost of funding earning assets | 0.8449% | 385 |
| Net interest margin | 3.6780% | 2,571 |
| Noninterest income to average assets | 0.3667% | 3,911 |
| Noninterest expense to average assets | 3.8738% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1146% | 5,655 |
| Return on assets (ROA) | -0.1146% | 5,659 |
| Pretax return on assets | -0.1146% | 5,648 |
| Return on Equity (ROE) | -0.9937% | 5,655 |
| Retained earnings to average equity (ytd only) | -0.9937% | 5,065 |
| Net charge-offs to loans | 0.2374% | 757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.6522% | 2,872 |
| Efficiency ratio | 103.0488% | 190 |
| Assets per employee ($millions) | 5.0936% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 2,251 |
| Loan loss allowance to noncurrent loans | 53.2978% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.5373% | 449 |
| Noncurrent loans to loans | 2.5556% | 605 |
| Net loans and leases to total assets | 74.4031% | 1,676 |
| Net loans and leases to deposits | 88.3082% | 1,758 |
| Net loans and leases to core deposits | 97.7427% | 1,678 |
| Total domestic deposits to total assets | 84.2539% | 3,374 |
| Equity capital to assets | 11.2905% | 2,359 |
| Core capital (leverage) ratio | 11.9447% | 1,667 |
| Tier 1 risk-based capital ratio | 16.4525% | 2,379 |
| Total risk-based capital ratio | 17.8102% | 2,288 |
| Memoranda: | ||
| Average total assets | $104,704,000 | 4,272 |
| Average earning assets | $96,575,500 | 4,262 |
| Average equity | $12,075,500 | 4,202 |
| Average total loans | $77,515,000 | 3,871 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 1,340 |
| Cost of funding earning assets | 0.7952% | 519 |
| Net interest margin | 3.7801% | 2,391 |
| Noninterest income to average assets | 0.6502% | 2,417 |
| Noninterest expense to average assets | 4.6088% | 343 |
| Loan and lease loss provision to assets | -0.0554% | 5,603 |
| Net operating income to assets | -0.4768% | 5,785 |
| Return on assets (ROA) | -0.4768% | 5,790 |
| Pretax return on assets | -0.4768% | 5,775 |
| Return on Equity (ROE) | -3.8389% | 5,773 |
| Retained earnings to average equity (ytd only) | -3.8389% | 5,627 |
| Net charge-offs to loans | 0.6257% | 361 |
| Credit loss provision to net charge-offs | -11.8790% | 4,750 |
| Earnings coverage of net charge-offs (x) | -1.1404% | 4,173 |
| Efficiency ratio | 113.0564% | 112 |
| Assets per employee ($millions) | 4.8782% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,535 |
| Loan loss allowance to noncurrent loans | 37.6397% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 3.6167% | 234 |
| Noncurrent loans to loans | 4.0917% | 246 |
| Net loans and leases to total assets | 71.4551% | 2,252 |
| Net loans and leases to deposits | 84.0616% | 2,405 |
| Net loans and leases to core deposits | 87.6836% | 2,706 |
| Total domestic deposits to total assets | 85.0032% | 3,046 |
| Equity capital to assets | 11.7862% | 1,941 |
| Core capital (leverage) ratio | 12.6331% | 1,287 |
| Tier 1 risk-based capital ratio | 18.3956% | 1,753 |
| Total risk-based capital ratio | 19.7868% | 1,685 |
| Memoranda: | ||
| Average total assets | $99,201,600 | 4,361 |
| Average earning assets | $89,919,400 | 4,388 |
| Average equity | $12,321,200 | 4,205 |
| Average total loans | $73,991,800 | 3,942 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,111 |
| Cost of funding earning assets | 0.7926% | 521 |
| Net interest margin | 3.5247% | 3,375 |
| Noninterest income to average assets | 0.4526% | 3,543 |
| Noninterest expense to average assets | 4.4759% | 390 |
| Loan and lease loss provision to assets | -0.0745% | 5,760 |
| Net operating income to assets | -0.7670% | 5,888 |
| Return on assets (ROA) | -0.7670% | 5,894 |
| Pretax return on assets | -0.7670% | 5,887 |
| Return on Equity (ROE) | -6.0942% | 5,879 |
| Retained earnings to average equity (ytd only) | -6.0942% | 5,767 |
| Net charge-offs to loans | 0.8714% | 210 |
| Credit loss provision to net charge-offs | -11.3872% | 4,621 |
| Earnings coverage of net charge-offs (x) | -1.2857% | 3,859 |
| Efficiency ratio | 123.1544% | 75 |
| Assets per employee ($millions) | 4.7587% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,764 |
| Loan loss allowance to noncurrent loans | 19.0355% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 7.0148% | 72 |
| Noncurrent loans to loans | 7.8837% | 63 |
| Net loans and leases to total assets | 73.8902% | 1,884 |
| Net loans and leases to deposits | 92.5789% | 1,422 |
| Net loans and leases to core deposits | 96.9461% | 1,907 |
| Total domestic deposits to total assets | 79.8133% | 4,557 |
| Equity capital to assets | 12.1613% | 2,002 |
| Core capital (leverage) ratio | 12.8735% | 1,236 |
| Tier 1 risk-based capital ratio | 18.0070% | 1,916 |
| Total risk-based capital ratio | 19.3145% | 1,867 |
| Memoranda: | ||
| Average total assets | $98,391,500 | 4,409 |
| Average earning assets | $88,819,500 | 4,456 |
| Average equity | $12,383,000 | 4,231 |
| Average total loans | $73,903,500 | 3,974 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 1,784 |
| Cost of funding earning assets | 0.7958% | 505 |
| Net interest margin | 3.6196% | 3,021 |
| Noninterest income to average assets | 0.4110% | 3,801 |
| Noninterest expense to average assets | 4.5726% | 361 |
| Loan and lease loss provision to assets | -0.1125% | 5,887 |
| Net operating income to assets | -0.7934% | 5,963 |
| Return on assets (ROA) | -0.7934% | 5,965 |
| Pretax return on assets | -0.7934% | 5,957 |
| Return on Equity (ROE) | -6.2141% | 5,944 |
| Retained earnings to average equity (ytd only) | -6.2141% | 5,794 |
| Net charge-offs to loans | -0.0326% | 5,164 |
| Credit loss provision to net charge-offs | 458.3333% | 701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.7072% | 78 |
| Assets per employee ($millions) | 4.6024% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 553 |
| Loan loss allowance to noncurrent loans | 25.9907% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 7.5271% | 69 |
| Noncurrent loans to loans | 8.4322% | 57 |
| Net loans and leases to total assets | 74.8042% | 1,686 |
| Net loans and leases to deposits | 86.8300% | 2,154 |
| Net loans and leases to core deposits | 91.0349% | 2,434 |
| Total domestic deposits to total assets | 86.1502% | 2,351 |
| Equity capital to assets | 12.7945% | 1,613 |
| Core capital (leverage) ratio | 13.2064% | 1,088 |
| Tier 1 risk-based capital ratio | 18.7622% | 1,747 |
| Total risk-based capital ratio | 20.0989% | 1,687 |
| Memoranda: | ||
| Average total assets | $97,801,000 | 4,452 |
| Average earning assets | $87,965,330 | 4,503 |
| Average equity | $12,487,670 | 4,233 |
| Average total loans | $73,577,670 | 4,007 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 2,178 |
| Cost of funding earning assets | 0.7764% | 559 |
| Net interest margin | 3.5099% | 3,435 |
| Noninterest income to average assets | 0.7319% | 1,894 |
| Noninterest expense to average assets | 4.5336% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.6587% | 5,993 |
| Return on assets (ROA) | -0.6587% | 5,998 |
| Pretax return on assets | -0.6587% | 5,989 |
| Return on Equity (ROE) | -5.1640% | 5,973 |
| Retained earnings to average equity (ytd only) | -5.1640% | 5,616 |
| Net charge-offs to loans | 0.1471% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 3,046 |
| Efficiency ratio | 116.9990% | 117 |
| Assets per employee ($millions) | 4.3406% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1929% | 597 |
| Loan loss allowance to noncurrent loans | 32.5832% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 6.1422% | 113 |
| Noncurrent loans to loans | 6.7302% | 111 |
| Net loans and leases to total assets | 73.0893% | 1,871 |
| Net loans and leases to deposits | 90.6502% | 1,498 |
| Net loans and leases to core deposits | 93.8374% | 2,004 |
| Total domestic deposits to total assets | 80.6278% | 4,597 |
| Equity capital to assets | 12.5318% | 1,662 |
| Core capital (leverage) ratio | 13.5053% | 981 |
| Tier 1 risk-based capital ratio | 19.0158% | 1,736 |
| Total risk-based capital ratio | 20.3254% | 1,678 |
| Memoranda: | ||
| Average total assets | $98,376,000 | 4,494 |
| Average earning assets | $88,094,500 | 4,544 |
| Average equity | $12,548,500 | 4,234 |
| Average total loans | $73,407,000 | 4,038 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,659 |
| Cost of funding earning assets | 0.7046% | 800 |
| Net interest margin | 3.4659% | 3,652 |
| Noninterest income to average assets | 2.9135% | 212 |
| Noninterest expense to average assets | 3.9758% | 694 |
| Loan and lease loss provision to assets | -0.2843% | 6,052 |
| Net operating income to assets | 2.3542% | 188 |
| Return on assets (ROA) | 2.3220% | 204 |
| Pretax return on assets | 2.3220% | 283 |
| Return on Equity (ROE) | 47.0833% | 12 |
| Retained earnings to average equity (ytd only) | 47.0833% | 2 |
| Net charge-offs to loans | 0.1304% | 2,066 |
| Credit loss provision to net charge-offs | -312.5561% | 5,353 |
| Earnings coverage of net charge-offs (x) | 22.7534% | 1,757 |
| Efficiency ratio | 63.6842% | 4,332 |
| Assets per employee ($millions) | 3.5896% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3030% | 507 |
| Loan loss allowance to noncurrent loans | 31.7548% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 6.6056% | 114 |
| Noncurrent loans to loans | 7.2525% | 97 |
| Net loans and leases to total assets | 72.7904% | 1,925 |
| Net loans and leases to deposits | 91.7804% | 1,427 |
| Net loans and leases to core deposits | 95.1653% | 1,925 |
| Total domestic deposits to total assets | 79.3093% | 4,904 |
| Equity capital to assets | 12.9862% | 1,354 |
| Core capital (leverage) ratio | 8.1284% | 5,760 |
| Tier 1 risk-based capital ratio | 19.7008% | 1,543 |
| Total risk-based capital ratio | 21.0174% | 1,502 |
| Memoranda: | ||
| Average total assets | $245,132,800 | 2,539 |
| Average earning assets | $221,532,600 | 2,571 |
| Average equity | $12,089,200 | 4,290 |
| Average total loans | $171,067,400 | 2,344 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,393 |
| Cost of funding earning assets | 0.6805% | 931 |
| Net interest margin | 3.3057% | 4,319 |
| Noninterest income to average assets | 0.6440% | 2,509 |
| Noninterest expense to average assets | 3.4544% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1805% | 5,712 |
| Return on assets (ROA) | 0.1413% | 5,836 |
| Pretax return on assets | 0.1413% | 5,854 |
| Return on Equity (ROE) | 3.3319% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.3319% | 4,100 |
| Net charge-offs to loans | 0.1743% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.4922% | 3,823 |
| Efficiency ratio | 92.7727% | 531 |
| Assets per employee ($millions) | 5.8333% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,599 |
| Loan loss allowance to noncurrent loans | 41.7474% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 5.1884% | 183 |
| Noncurrent loans to loans | 2.8963% | 627 |
| Net loans and leases to total assets | 70.8560% | 2,257 |
| Net loans and leases to deposits | 79.3132% | 2,956 |
| Net loans and leases to core deposits | 82.1589% | 3,235 |
| Total domestic deposits to total assets | 89.3370% | 849 |
| Equity capital to assets | 4.5843% | 6,237 |
| Core capital (leverage) ratio | 6.0840% | 6,196 |
| Tier 1 risk-based capital ratio | 8.0869% | 6,217 |
| Total risk-based capital ratio | 9.3142% | 6,217 |
| Memoranda: | ||
| Average total assets | $282,186,500 | 2,269 |
| Average earning assets | $255,306,750 | 2,313 |
| Average equity | $11,965,000 | 4,360 |
| Average total loans | $195,781,750 | 2,127 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,351 |
| Cost of funding earning assets | 0.6922% | 877 |
| Net interest margin | 3.2943% | 4,323 |
| Noninterest income to average assets | 0.6771% | 2,312 |
| Noninterest expense to average assets | 3.4644% | 1,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1897% | 5,723 |
| Return on assets (ROA) | 0.1318% | 5,878 |
| Pretax return on assets | 0.1318% | 5,905 |
| Return on Equity (ROE) | 3.1891% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.1891% | 4,019 |
| Net charge-offs to loans | 0.2032% | 1,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.3600% | 3,532 |
| Efficiency ratio | 92.5954% | 606 |
| Assets per employee ($millions) | 5.4280% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 3,465 |
| Loan loss allowance to noncurrent loans | 46.9649% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 4.9099% | 233 |
| Noncurrent loans to loans | 2.6805% | 810 |
| Net loans and leases to total assets | 67.5182% | 2,714 |
| Net loans and leases to deposits | 75.4830% | 3,321 |
| Net loans and leases to core deposits | 78.7362% | 3,507 |
| Total domestic deposits to total assets | 89.4482% | 924 |
| Equity capital to assets | 4.3287% | 6,311 |
| Core capital (leverage) ratio | 5.7753% | 6,275 |
| Tier 1 risk-based capital ratio | 7.9919% | 6,290 |
| Total risk-based capital ratio | 9.2391% | 6,289 |
| Memoranda: | ||
| Average total assets | $286,805,330 | 2,258 |
| Average earning assets | $259,175,000 | 2,304 |
| Average equity | $11,853,000 | 4,407 |
| Average total loans | $196,890,670 | 2,109 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 3,813 |
| Cost of funding earning assets | 0.6882% | 905 |
| Net interest margin | 3.1647% | 4,736 |
| Noninterest income to average assets | 0.8225% | 1,621 |
| Noninterest expense to average assets | 3.3572% | 1,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3208% | 5,337 |
| Return on assets (ROA) | 0.2070% | 5,759 |
| Pretax return on assets | 0.2070% | 5,816 |
| Return on Equity (ROE) | 5.1239% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.1239% | 2,986 |
| Net charge-offs to loans | 0.0159% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,170 |
| Efficiency ratio | 89.1167% | 929 |
| Assets per employee ($millions) | 5.6273% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 3,519 |
| Loan loss allowance to noncurrent loans | 44.0774% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 4.8825% | 258 |
| Noncurrent loans to loans | 2.9045% | 770 |
| Net loans and leases to total assets | 67.8559% | 2,464 |
| Net loans and leases to deposits | 76.6713% | 2,972 |
| Net loans and leases to core deposits | 79.8201% | 3,188 |
| Total domestic deposits to total assets | 88.5024% | 1,545 |
| Equity capital to assets | 4.1382% | 6,390 |
| Core capital (leverage) ratio | 5.6004% | 6,344 |
| Tier 1 risk-based capital ratio | 7.5887% | 6,361 |
| Total risk-based capital ratio | 8.8649% | 6,361 |
| Memoranda: | ||
| Average total assets | $291,795,000 | 2,238 |
| Average earning assets | $263,281,000 | 2,291 |
| Average equity | $11,788,000 | 4,450 |
| Average total loans | $200,690,500 | 2,083 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 3,531 |
| Cost of funding earning assets | 0.6732% | 1,254 |
| Net interest margin | 3.3752% | 4,298 |
| Noninterest income to average assets | 0.4129% | 4,091 |
| Noninterest expense to average assets | 3.5321% | 1,415 |
| Loan and lease loss provision to assets | 0.1005% | 2,479 |
| Net operating income to assets | -0.2061% | 6,208 |
| Return on assets (ROA) | -0.2068% | 6,208 |
| Pretax return on assets | -0.2068% | 6,196 |
| Return on Equity (ROE) | -5.0138% | 6,289 |
| Retained earnings to average equity (ytd only) | -5.0138% | 6,180 |
| Net charge-offs to loans | 0.3346% | 1,315 |
| Credit loss provision to net charge-offs | 43.9063% | 3,607 |
| Earnings coverage of net charge-offs (x) | -0.4609% | 4,760 |
| Efficiency ratio | 100.5430% | 349 |
| Assets per employee ($millions) | 5.2904% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 3,482 |
| Loan loss allowance to noncurrent loans | 44.8515% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 5.5081% | 233 |
| Noncurrent loans to loans | 2.8759% | 800 |
| Net loans and leases to total assets | 67.9324% | 2,565 |
| Net loans and leases to deposits | 77.4255% | 3,034 |
| Net loans and leases to core deposits | 80.2365% | 3,274 |
| Total domestic deposits to total assets | 87.7391% | 1,902 |
| Equity capital to assets | 3.9409% | 6,482 |
| Core capital (leverage) ratio | 6.4918% | 6,369 |
| Tier 1 risk-based capital ratio | 8.4847% | 6,430 |
| Total risk-based capital ratio | 9.7347% | 6,432 |
| Memoranda: | ||
| Average total assets | $279,493,200 | 2,282 |
| Average earning assets | $249,558,800 | 2,349 |
| Average equity | $11,528,200 | 4,450 |
| Average total loans | $191,284,400 | 2,109 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0350% | 3,615 |
| Cost of funding earning assets | 0.6693% | 1,325 |
| Net interest margin | 3.3658% | 4,373 |
| Noninterest income to average assets | 0.4034% | 4,221 |
| Noninterest expense to average assets | 3.6202% | 1,261 |
| Loan and lease loss provision to assets | 0.1325% | 1,893 |
| Net operating income to assets | -0.3485% | 6,328 |
| Return on assets (ROA) | -0.3485% | 6,328 |
| Pretax return on assets | -0.3485% | 6,315 |
| Return on Equity (ROE) | -8.3508% | 6,423 |
| Retained earnings to average equity (ytd only) | -8.3508% | 6,350 |
| Net charge-offs to loans | 0.4965% | 783 |
| Credit loss provision to net charge-offs | 39.0625% | 3,301 |
| Earnings coverage of net charge-offs (x) | -0.6364% | 4,510 |
| Efficiency ratio | 103.7661% | 297 |
| Assets per employee ($millions) | 5.2305% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 3,781 |
| Loan loss allowance to noncurrent loans | 46.7448% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 5.5936% | 265 |
| Noncurrent loans to loans | 2.7275% | 1,037 |
| Net loans and leases to total assets | 68.8945% | 2,390 |
| Net loans and leases to deposits | 77.5686% | 2,997 |
| Net loans and leases to core deposits | 80.3056% | 3,284 |
| Total domestic deposits to total assets | 88.8174% | 1,345 |
| Equity capital to assets | 4.0057% | 6,553 |
| Core capital (leverage) ratio | 6.4905% | 6,437 |
| Tier 1 risk-based capital ratio | 8.6985% | 6,492 |
| Total risk-based capital ratio | 9.9489% | 6,494 |
| Memoranda: | ||
| Average total assets | $276,623,250 | 2,318 |
| Average earning assets | $246,633,000 | 2,388 |
| Average equity | $11,543,500 | 4,473 |
| Average total loans | $189,043,500 | 2,140 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 3,490 |
| Cost of funding earning assets | 0.6537% | 1,483 |
| Net interest margin | 3.4093% | 4,137 |
| Noninterest income to average assets | 0.2738% | 5,240 |
| Noninterest expense to average assets | 3.5874% | 1,317 |
| Loan and lease loss provision to assets | 0.2002% | 1,203 |
| Net operating income to assets | -0.4798% | 6,433 |
| Return on assets (ROA) | -0.4798% | 6,431 |
| Pretax return on assets | -0.4798% | 6,415 |
| Return on Equity (ROE) | -11.3425% | 6,528 |
| Retained earnings to average equity (ytd only) | -11.3425% | 6,449 |
| Net charge-offs to loans | 0.5345% | 764 |
| Credit loss provision to net charge-offs | 55.2209% | 2,712 |
| Earnings coverage of net charge-offs (x) | -0.7711% | 4,192 |
| Efficiency ratio | 105.7891% | 298 |
| Assets per employee ($millions) | 5.1119% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 3,093 |
| Loan loss allowance to noncurrent loans | 57.0499% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 5.6068% | 296 |
| Noncurrent loans to loans | 2.5494% | 1,215 |
| Net loans and leases to total assets | 66.7400% | 2,633 |
| Net loans and leases to deposits | 74.2389% | 3,291 |
| Net loans and leases to core deposits | 76.2370% | 3,607 |
| Total domestic deposits to total assets | 89.8989% | 857 |
| Equity capital to assets | 4.3523% | 6,604 |
| Core capital (leverage) ratio | 6.7634% | 6,466 |
| Tier 1 risk-based capital ratio | 9.1740% | 6,522 |
| Total risk-based capital ratio | 10.4263% | 6,513 |
| Memoranda: | ||
| Average total assets | $274,681,670 | 2,335 |
| Average earning assets | $244,450,000 | 2,397 |
| Average equity | $11,620,000 | 4,469 |
| Average total loans | $186,356,670 | 2,169 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 3,548 |
| Cost of funding earning assets | 0.6436% | 1,627 |
| Net interest margin | 3.3900% | 4,169 |
| Noninterest income to average assets | 0.2438% | 5,407 |
| Noninterest expense to average assets | 3.5781% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3124% | 6,406 |
| Return on assets (ROA) | -0.3124% | 6,407 |
| Pretax return on assets | -0.3124% | 6,397 |
| Return on Equity (ROE) | -7.4937% | 6,523 |
| Retained earnings to average equity (ytd only) | -7.4937% | 6,266 |
| Net charge-offs to loans | 0.6578% | 560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.6993% | 3,495 |
| Efficiency ratio | 106.8395% | 319 |
| Assets per employee ($millions) | 5.1316% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 3,488 |
| Loan loss allowance to noncurrent loans | 42.0415% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 5.9196% | 294 |
| Noncurrent loans to loans | 3.3882% | 884 |
| Net loans and leases to total assets | 67.0715% | 2,381 |
| Net loans and leases to deposits | 75.6505% | 2,850 |
| Net loans and leases to core deposits | 77.0937% | 3,298 |
| Total domestic deposits to total assets | 88.6597% | 1,858 |
| Equity capital to assets | 4.2379% | 6,665 |
| Core capital (leverage) ratio | 6.8633% | 6,497 |
| Tier 1 risk-based capital ratio | 9.4184% | 6,561 |
| Total risk-based capital ratio | 10.6702% | 6,550 |
| Memoranda: | ||
| Average total assets | $274,002,500 | 2,349 |
| Average earning assets | $244,244,500 | 2,404 |
| Average equity | $11,423,000 | 4,518 |
| Average total loans | $186,061,000 | 2,172 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,938 |
| Cost of funding earning assets | 0.7478% | 1,509 |
| Net interest margin | 3.2966% | 4,678 |
| Noninterest income to average assets | -0.2152% | 6,762 |
| Noninterest expense to average assets | 3.3533% | 1,986 |
| Loan and lease loss provision to assets | 0.1269% | 2,722 |
| Net operating income to assets | -0.7042% | 6,545 |
| Return on assets (ROA) | -0.4254% | 6,475 |
| Pretax return on assets | -0.4254% | 6,462 |
| Return on Equity (ROE) | -9.8773% | 6,582 |
| Retained earnings to average equity (ytd only) | -9.8773% | 6,532 |
| Net charge-offs to loans | 0.5609% | 1,171 |
| Credit loss provision to net charge-offs | 33.8908% | 4,167 |
| Earnings coverage of net charge-offs (x) | -1.5423% | 5,300 |
| Efficiency ratio | 117.5332% | 199 |
| Assets per employee ($millions) | 5.2081% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 2,867 |
| Loan loss allowance to noncurrent loans | 45.1727% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 6.1092% | 313 |
| Noncurrent loans to loans | 3.4827% | 908 |
| Net loans and leases to total assets | 66.7048% | 2,572 |
| Net loans and leases to deposits | 73.9391% | 3,263 |
| Net loans and leases to core deposits | 75.4208% | 3,678 |
| Total domestic deposits to total assets | 90.2158% | 963 |
| Equity capital to assets | 4.1010% | 6,742 |
| Core capital (leverage) ratio | 6.6321% | 6,577 |
| Tier 1 risk-based capital ratio | 9.5319% | 6,600 |
| Total risk-based capital ratio | 10.7857% | 6,585 |
| Memoranda: | ||
| Average total assets | $303,460,400 | 2,125 |
| Average earning assets | $275,345,800 | 2,143 |
| Average equity | $13,070,400 | 4,251 |
| Average total loans | $202,517,600 | 1,986 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 4,080 |
| Cost of funding earning assets | 0.7689% | 1,485 |
| Net interest margin | 3.2441% | 4,854 |
| Noninterest income to average assets | -0.4507% | 6,867 |
| Noninterest expense to average assets | 3.2538% | 2,196 |
| Loan and lease loss provision to assets | 0.1654% | 2,189 |
| Net operating income to assets | -0.9152% | 6,696 |
| Return on assets (ROA) | -0.5633% | 6,636 |
| Pretax return on assets | -0.5633% | 6,621 |
| Return on Equity (ROE) | -12.9402% | 6,719 |
| Retained earnings to average equity (ytd only) | -12.9402% | 6,683 |
| Net charge-offs to loans | 0.5769% | 1,090 |
| Credit loss provision to net charge-offs | 43.1131% | 3,648 |
| Earnings coverage of net charge-offs (x) | -1.9541% | 5,077 |
| Efficiency ratio | 126.4070% | 141 |
| Assets per employee ($millions) | 5.7650% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 3,002 |
| Loan loss allowance to noncurrent loans | 27.8351% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 5.9952% | 404 |
| Noncurrent loans to loans | 5.7460% | 461 |
| Net loans and leases to total assets | 68.0019% | 2,293 |
| Net loans and leases to deposits | 75.7896% | 2,989 |
| Net loans and leases to core deposits | 77.7220% | 3,394 |
| Total domestic deposits to total assets | 89.7245% | 1,158 |
| Equity capital to assets | 3.9487% | 6,818 |
| Core capital (leverage) ratio | 6.3189% | 6,688 |
| Tier 1 risk-based capital ratio | 9.0939% | 6,716 |
| Total risk-based capital ratio | 10.3484% | 6,713 |
| Memoranda: | ||
| Average total assets | $310,318,500 | 2,086 |
| Average earning assets | $282,635,250 | 2,104 |
| Average equity | $13,508,000 | 4,211 |
| Average total loans | $206,380,250 | 1,960 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 4,330 |
| Cost of funding earning assets | 0.7979% | 1,426 |
| Net interest margin | 3.1396% | 5,160 |
| Noninterest income to average assets | -0.7460% | 6,920 |
| Noninterest expense to average assets | 3.2461% | 2,228 |
| Loan and lease loss provision to assets | 0.2424% | 1,538 |
| Net operating income to assets | -1.3756% | 6,797 |
| Return on assets (ROA) | -0.8568% | 6,731 |
| Pretax return on assets | -0.8568% | 6,714 |
| Return on Equity (ROE) | -19.1465% | 6,825 |
| Retained earnings to average equity (ytd only) | -19.1465% | 6,799 |
| Net charge-offs to loans | 0.7664% | 829 |
| Credit loss provision to net charge-offs | 48.1250% | 3,252 |
| Earnings coverage of net charge-offs (x) | -2.2500% | 4,778 |
| Efficiency ratio | 149.5232% | 72 |
| Assets per employee ($millions) | 5.3823% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 3,079 |
| Loan loss allowance to noncurrent loans | 28.3283% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 5.6664% | 509 |
| Noncurrent loans to loans | 5.7289% | 523 |
| Net loans and leases to total assets | 67.1456% | 2,391 |
| Net loans and leases to deposits | 73.9411% | 3,167 |
| Net loans and leases to core deposits | 75.8661% | 3,559 |
| Total domestic deposits to total assets | 90.8095% | 617 |
| Equity capital to assets | 4.0142% | 6,866 |
| Core capital (leverage) ratio | 6.0754% | 6,747 |
| Tier 1 risk-based capital ratio | 8.8977% | 6,764 |
| Total risk-based capital ratio | 10.1525% | 6,766 |
| Memoranda: | ||
| Average total assets | $317,675,330 | 2,036 |
| Average earning assets | $289,275,670 | 2,061 |
| Average equity | $14,216,670 | 4,106 |
| Average total loans | $208,773,670 | 1,946 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 4,153 |
| Cost of funding earning assets | 0.8386% | 1,317 |
| Net interest margin | 3.1535% | 5,081 |
| Noninterest income to average assets | 0.1619% | 6,293 |
| Noninterest expense to average assets | 3.3473% | 1,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3190% | 6,589 |
| Return on assets (ROA) | 0.6916% | 3,878 |
| Pretax return on assets | 0.6916% | 4,610 |
| Return on Equity (ROE) | 14.7691% | 812 |
| Retained earnings to average equity (ytd only) | 14.7691% | 371 |
| Net charge-offs to loans | -0.4375% | 6,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7604% | 361 |
| Assets per employee ($millions) | 4.6643% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 2,323 |
| Loan loss allowance to noncurrent loans | 43.1856% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 5.3432% | 653 |
| Noncurrent loans to loans | 4.3832% | 973 |
| Net loans and leases to total assets | 65.1125% | 2,526 |
| Net loans and leases to deposits | 72.6031% | 3,107 |
| Net loans and leases to core deposits | 74.2732% | 3,545 |
| Total domestic deposits to total assets | 89.6828% | 1,243 |
| Equity capital to assets | 4.8063% | 6,901 |
| Core capital (leverage) ratio | 6.1505% | 6,785 |
| Tier 1 risk-based capital ratio | 9.2658% | 6,784 |
| Total risk-based capital ratio | 10.5225% | 6,782 |
| Memoranda: | ||
| Average total assets | $328,501,000 | 2,006 |
| Average earning assets | $298,587,000 | 2,015 |
| Average equity | $15,383,500 | 3,922 |
| Average total loans | $212,137,500 | 1,928 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 3,036 |
| Cost of funding earning assets | 0.9733% | 1,504 |
| Net interest margin | 3.6182% | 4,009 |
| Noninterest income to average assets | 0.8989% | 1,854 |
| Noninterest expense to average assets | 3.3798% | 2,104 |
| Loan and lease loss provision to assets | -0.1319% | 6,941 |
| Net operating income to assets | 0.9460% | 2,570 |
| Return on assets (ROA) | 1.1316% | 2,004 |
| Pretax return on assets | 1.1316% | 3,044 |
| Return on Equity (ROE) | 31.6606% | 54 |
| Retained earnings to average equity (ytd only) | 31.6606% | 20 |
| Net charge-offs to loans | 0.3521% | 2,873 |
| Credit loss provision to net charge-offs | -55.7321% | 6,280 |
| Earnings coverage of net charge-offs (x) | 3.4393% | 3,724 |
| Efficiency ratio | 78.6163% | 2,339 |
| Assets per employee ($millions) | 4.4740% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 2,920 |
| Loan loss allowance to noncurrent loans | 38.5072% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 5.0184% | 770 |
| Noncurrent loans to loans | 4.4234% | 974 |
| Net loans and leases to total assets | 61.8801% | 3,268 |
| Net loans and leases to deposits | 75.0927% | 2,942 |
| Net loans and leases to core deposits | 76.6157% | 3,446 |
| Total domestic deposits to total assets | 82.4050% | 4,966 |
| Equity capital to assets | 4.5710% | 6,976 |
| Core capital (leverage) ratio | 5.3743% | 6,904 |
| Tier 1 risk-based capital ratio | 8.6402% | 6,882 |
| Total risk-based capital ratio | 9.8951% | 6,885 |
| Memoranda: | ||
| Average total assets | $372,216,000 | 1,750 |
| Average earning assets | $338,950,800 | 1,756 |
| Average equity | $13,303,600 | 4,299 |
| Average total loans | $250,186,800 | 1,645 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 3,077 |
| Cost of funding earning assets | 0.9908% | 1,621 |
| Net interest margin | 3.6449% | 4,025 |
| Noninterest income to average assets | 0.6942% | 2,739 |
| Noninterest expense to average assets | 3.3474% | 2,140 |
| Loan and lease loss provision to assets | -0.1727% | 7,078 |
| Net operating income to assets | 0.8362% | 3,280 |
| Return on assets (ROA) | 1.0796% | 2,369 |
| Pretax return on assets | 1.0796% | 3,424 |
| Return on Equity (ROE) | 32.2486% | 55 |
| Retained earnings to average equity (ytd only) | 32.2486% | 27 |
| Net charge-offs to loans | 0.4647% | 2,245 |
| Credit loss provision to net charge-offs | -54.4950% | 6,188 |
| Earnings coverage of net charge-offs (x) | 2.0943% | 4,222 |
| Efficiency ratio | 81.4308% | 1,878 |
| Assets per employee ($millions) | 4.7749% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 4,119 |
| Loan loss allowance to noncurrent loans | 42.4986% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 4.4836% | 1,039 |
| Noncurrent loans to loans | 3.4319% | 1,589 |
| Net loans and leases to total assets | 65.8036% | 2,689 |
| Net loans and leases to deposits | 77.9339% | 2,665 |
| Net loans and leases to core deposits | 79.4338% | 3,276 |
| Total domestic deposits to total assets | 84.4351% | 4,010 |
| Equity capital to assets | 3.8452% | 7,105 |
| Core capital (leverage) ratio | 4.8578% | 7,037 |
| Tier 1 risk-based capital ratio | 6.9264% | 7,050 |
| Total risk-based capital ratio | 8.1782% | 7,052 |
| Memoranda: | ||
| Average total assets | $379,146,250 | 1,736 |
| Average earning assets | $345,026,000 | 1,749 |
| Average equity | $12,692,750 | 4,466 |
| Average total loans | $258,516,500 | 1,613 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 2,697 |
| Cost of funding earning assets | 1.0218% | 1,637 |
| Net interest margin | 3.7341% | 3,665 |
| Noninterest income to average assets | 0.7404% | 2,467 |
| Noninterest expense to average assets | 3.3924% | 2,046 |
| Loan and lease loss provision to assets | -0.2586% | 7,173 |
| Net operating income to assets | 1.0032% | 2,451 |
| Return on assets (ROA) | 1.3739% | 1,407 |
| Pretax return on assets | 1.3739% | 2,307 |
| Return on Equity (ROE) | 43.1644% | 32 |
| Retained earnings to average equity (ytd only) | 43.1644% | 21 |
| Net charge-offs to loans | 0.5316% | 1,998 |
| Credit loss provision to net charge-offs | -70.8514% | 6,035 |
| Earnings coverage of net charge-offs (x) | 2.0404% | 3,970 |
| Efficiency ratio | 80.0407% | 2,167 |
| Assets per employee ($millions) | 4.1863% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 3,898 |
| Loan loss allowance to noncurrent loans | 121.0789% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 3.1072% | 1,753 |
| Noncurrent loans to loans | 1.2588% | 4,032 |
| Net loans and leases to total assets | 65.8570% | 2,700 |
| Net loans and leases to deposits | 78.0733% | 2,656 |
| Net loans and leases to core deposits | 79.7692% | 3,251 |
| Total domestic deposits to total assets | 84.3528% | 4,165 |
| Equity capital to assets | 3.5047% | 7,161 |
| Core capital (leverage) ratio | 4.6817% | 7,091 |
| Tier 1 risk-based capital ratio | 6.6529% | 7,110 |
| Total risk-based capital ratio | 7.9067% | 7,110 |
| Memoranda: | ||
| Average total assets | $379,788,000 | 1,738 |
| Average earning assets | $345,460,330 | 1,747 |
| Average equity | $12,088,670 | 4,581 |
| Average total loans | $260,722,330 | 1,603 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 2,320 |
| Cost of funding earning assets | 1.0638% | 1,601 |
| Net interest margin | 3.8163% | 3,308 |
| Noninterest income to average assets | 0.3513% | 5,050 |
| Noninterest expense to average assets | 3.4493% | 1,877 |
| Loan and lease loss provision to assets | -0.3597% | 7,244 |
| Net operating income to assets | 0.7278% | 3,742 |
| Return on assets (ROA) | 1.3766% | 1,413 |
| Pretax return on assets | 1.3766% | 2,260 |
| Return on Equity (ROE) | 45.5597% | 38 |
| Retained earnings to average equity (ytd only) | 45.5597% | 25 |
| Net charge-offs to loans | 0.8722% | 1,175 |
| Credit loss provision to net charge-offs | -59.3043% | 5,437 |
| Earnings coverage of net charge-offs (x) | 0.6070% | 4,031 |
| Efficiency ratio | 88.2288% | 1,261 |
| Assets per employee ($millions) | 3.7148% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,800 |
| Loan loss allowance to noncurrent loans | 124.4751% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 3.5380% | 1,618 |
| Noncurrent loans to loans | 1.2702% | 4,205 |
| Net loans and leases to total assets | 68.1739% | 2,079 |
| Net loans and leases to deposits | 82.5424% | 1,859 |
| Net loans and leases to core deposits | 84.4699% | 2,487 |
| Total domestic deposits to total assets | 82.5925% | 5,083 |
| Equity capital to assets | 3.0941% | 7,234 |
| Core capital (leverage) ratio | 4.3577% | 7,159 |
| Tier 1 risk-based capital ratio | 5.8674% | 7,179 |
| Total risk-based capital ratio | 7.1203% | 7,181 |
| Memoranda: | ||
| Average total assets | $379,206,500 | 1,745 |
| Average earning assets | $344,420,000 | 1,754 |
| Average equity | $11,457,500 | 4,740 |
| Average total loans | $263,700,500 | 1,589 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 3,567 |
| Cost of funding earning assets | 1.3293% | 1,347 |
| Net interest margin | 3.5244% | 5,048 |
| Noninterest income to average assets | -1.3617% | 7,338 |
| Noninterest expense to average assets | 3.7680% | 1,408 |
| Loan and lease loss provision to assets | 0.3429% | 2,950 |
| Net operating income to assets | -2.0923% | 7,043 |
| Return on assets (ROA) | -2.1692% | 7,069 |
| Pretax return on assets | -2.3729% | 7,098 |
| Return on Equity (ROE) | -49.8423% | 7,203 |
| Retained earnings to average equity (ytd only) | -49.8423% | 7,200 |
| Net charge-offs to loans | 1.6976% | 897 |
| Credit loss provision to net charge-offs | 30.2443% | 5,780 |
| Earnings coverage of net charge-offs (x) | -1.7160% | 6,266 |
| Efficiency ratio | 201.6977% | 58 |
| Assets per employee ($millions) | 3.7206% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9122% | 2,531 |
| Loan loss allowance to noncurrent loans | 134.4480% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 3.6561% | 1,608 |
| Noncurrent loans to loans | 1.4223% | 4,029 |
| Net loans and leases to total assets | 68.4757% | 2,311 |
| Net loans and leases to deposits | 82.7346% | 2,102 |
| Net loans and leases to core deposits | 84.6419% | 2,791 |
| Total domestic deposits to total assets | 82.7655% | 4,856 |
| Equity capital to assets | 2.9489% | 7,282 |
| Core capital (leverage) ratio | 3.8277% | 7,219 |
| Tier 1 risk-based capital ratio | 5.3596% | 7,228 |
| Total risk-based capital ratio | 6.6166% | 7,230 |
| Memoranda: | ||
| Average total assets | $400,738,000 | 1,619 |
| Average earning assets | $362,075,400 | 1,633 |
| Average equity | $17,441,000 | 3,514 |
| Average total loans | $267,607,800 | 1,574 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 3,814 |
| Cost of funding earning assets | 1.3748% | 1,344 |
| Net interest margin | 3.4692% | 5,311 |
| Noninterest income to average assets | -0.0621% | 7,174 |
| Noninterest expense to average assets | 3.5128% | 1,912 |
| Loan and lease loss provision to assets | -0.0673% | 7,342 |
| Net operating income to assets | -0.2473% | 6,437 |
| Return on assets (ROA) | -0.2473% | 6,506 |
| Pretax return on assets | -0.3747% | 6,547 |
| Return on Equity (ROE) | -5.2831% | 6,688 |
| Retained earnings to average equity (ytd only) | -5.2831% | 6,609 |
| Net charge-offs to loans | 1.8612% | 707 |
| Credit loss provision to net charge-offs | -5.4740% | 6,402 |
| Earnings coverage of net charge-offs (x) | -0.3594% | 5,786 |
| Efficiency ratio | 111.4414% | 402 |
| Assets per employee ($millions) | 3.9049% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 3,518 |
| Loan loss allowance to noncurrent loans | 77.9233% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 4.9141% | 1,178 |
| Noncurrent loans to loans | 2.0945% | 3,253 |
| Net loans and leases to total assets | 64.8402% | 3,143 |
| Net loans and leases to deposits | 80.3551% | 2,606 |
| Net loans and leases to core deposits | 82.2276% | 3,293 |
| Total domestic deposits to total assets | 80.6921% | 5,533 |
| Equity capital to assets | 4.9586% | 7,267 |
| Core capital (leverage) ratio | 5.7578% | 7,160 |
| Tier 1 risk-based capital ratio | 7.5565% | 7,217 |
| Total risk-based capital ratio | 8.8094% | 7,219 |
| Memoranda: | ||
| Average total assets | $406,047,250 | 1,605 |
| Average earning assets | $366,685,750 | 1,620 |
| Average equity | $19,003,500 | 3,287 |
| Average total loans | $268,276,750 | 1,587 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 3,896 |
| Cost of funding earning assets | 1.4258% | 1,306 |
| Net interest margin | 3.4172% | 5,497 |
| Noninterest income to average assets | 0.0945% | 6,856 |
| Noninterest expense to average assets | 3.5323% | 1,907 |
| Loan and lease loss provision to assets | -0.3940% | 7,474 |
| Net operating income to assets | 0.0436% | 6,136 |
| Return on assets (ROA) | 0.0436% | 6,214 |
| Pretax return on assets | 0.0436% | 6,200 |
| Return on Equity (ROE) | 0.9491% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.9491% | 5,489 |
| Net charge-offs to loans | 2.0030% | 669 |
| Credit loss provision to net charge-offs | -29.7487% | 6,220 |
| Earnings coverage of net charge-offs (x) | -0.2646% | 5,434 |
| Efficiency ratio | 108.1834% | 513 |
| Assets per employee ($millions) | 4.2409% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 2,988 |
| Loan loss allowance to noncurrent loans | 68.0646% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 5.5189% | 1,069 |
| Noncurrent loans to loans | 2.6469% | 2,746 |
| Net loans and leases to total assets | 63.2318% | 3,634 |
| Net loans and leases to deposits | 78.9053% | 2,979 |
| Net loans and leases to core deposits | 81.3147% | 3,607 |
| Total domestic deposits to total assets | 80.1363% | 5,788 |
| Equity capital to assets | 4.9046% | 7,329 |
| Core capital (leverage) ratio | 5.8935% | 7,214 |
| Tier 1 risk-based capital ratio | 7.7514% | 7,262 |
| Total risk-based capital ratio | 9.0066% | 7,268 |
| Memoranda: | ||
| Average total assets | $408,630,000 | 1,609 |
| Average earning assets | $369,194,670 | 1,627 |
| Average equity | $18,754,670 | 3,293 |
| Average total loans | $270,188,000 | 1,597 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 4,298 |
| Cost of funding earning assets | 1.4739% | 1,276 |
| Net interest margin | 3.2741% | 5,863 |
| Noninterest income to average assets | 0.2433% | 5,955 |
| Noninterest expense to average assets | 3.3788% | 2,334 |
| Loan and lease loss provision to assets | -0.1827% | 7,505 |
| Net operating income to assets | 0.0078% | 6,332 |
| Return on assets (ROA) | 0.0078% | 6,366 |
| Pretax return on assets | 0.0078% | 6,340 |
| Return on Equity (ROE) | 0.1763% | 6,349 |
| Retained earnings to average equity (ytd only) | 0.1763% | 5,738 |
| Net charge-offs to loans | 0.9861% | 1,372 |
| Credit loss provision to net charge-offs | -27.6627% | 5,615 |
| Earnings coverage of net charge-offs (x) | -0.2648% | 4,720 |
| Efficiency ratio | 102.6532% | 653 |
| Assets per employee ($millions) | 4.4675% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7038% | 1,203 |
| Loan loss allowance to noncurrent loans | 86.0495% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 5.8084% | 1,017 |
| Noncurrent loans to loans | 3.1421% | 2,394 |
| Net loans and leases to total assets | 65.9695% | 3,018 |
| Net loans and leases to deposits | 80.8822% | 2,546 |
| Net loans and leases to core deposits | 83.4096% | 3,241 |
| Total domestic deposits to total assets | 81.5625% | 5,472 |
| Equity capital to assets | 4.5529% | 7,404 |
| Core capital (leverage) ratio | 5.7439% | 7,291 |
| Tier 1 risk-based capital ratio | 7.5127% | 7,327 |
| Total risk-based capital ratio | 8.7775% | 7,330 |
| Memoranda: | ||
| Average total assets | $409,380,500 | 1,616 |
| Average earning assets | $370,174,500 | 1,632 |
| Average equity | $18,148,000 | 3,379 |
| Average total loans | $274,203,000 | 1,599 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 5,266 |
| Cost of funding earning assets | 1.7252% | 1,484 |
| Net interest margin | 3.1170% | 6,470 |
| Noninterest income to average assets | 0.1272% | 6,760 |
| Noninterest expense to average assets | 3.6014% | 1,919 |
| Loan and lease loss provision to assets | 1.0157% | 1,600 |
| Net operating income to assets | -1.6182% | 6,950 |
| Return on assets (ROA) | -1.3798% | 6,883 |
| Pretax return on assets | -1.3798% | 6,811 |
| Return on Equity (ROE) | -25.4346% | 7,143 |
| Retained earnings to average equity (ytd only) | -25.4346% | 7,124 |
| Net charge-offs to loans | 1.5924% | 1,368 |
| Credit loss provision to net charge-offs | 94.5050% | 4,916 |
| Earnings coverage of net charge-offs (x) | -0.5606% | 6,477 |
| Efficiency ratio | 116.7982% | 439 |
| Assets per employee ($millions) | 4.6299% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9860% | 884 |
| Loan loss allowance to noncurrent loans | 88.5389% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 5.1856% | 1,213 |
| Noncurrent loans to loans | 3.3725% | 2,254 |
| Net loans and leases to total assets | 64.2098% | 3,833 |
| Net loans and leases to deposits | 78.1616% | 3,488 |
| Net loans and leases to core deposits | 80.6185% | 4,114 |
| Total domestic deposits to total assets | 82.1500% | 5,138 |
| Equity capital to assets | 4.3174% | 7,493 |
| Core capital (leverage) ratio | 5.6910% | 7,345 |
| Tier 1 risk-based capital ratio | 7.5022% | 7,389 |
| Total risk-based capital ratio | 8.7674% | 7,391 |
| Memoranda: | ||
| Average total assets | $418,248,800 | 1,587 |
| Average earning assets | $385,339,400 | 1,569 |
| Average equity | $22,689,600 | 2,805 |
| Average total loans | $282,270,000 | 1,582 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 5,517 |
| Cost of funding earning assets | 1.7863% | 1,473 |
| Net interest margin | 3.0525% | 6,725 |
| Noninterest income to average assets | 0.0382% | 7,331 |
| Noninterest expense to average assets | 3.5380% | 1,941 |
| Loan and lease loss provision to assets | 0.5230% | 2,840 |
| Net operating income to assets | -1.0301% | 6,922 |
| Return on assets (ROA) | -0.7570% | 6,804 |
| Pretax return on assets | -0.8851% | 6,793 |
| Return on Equity (ROE) | -13.2802% | 7,050 |
| Retained earnings to average equity (ytd only) | -13.2802% | 7,016 |
| Net charge-offs to loans | 1.6715% | 1,180 |
| Credit loss provision to net charge-offs | 46.1366% | 5,945 |
| Earnings coverage of net charge-offs (x) | -0.5996% | 6,362 |
| Efficiency ratio | 120.3343% | 392 |
| Assets per employee ($millions) | 4.2679% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3139% | 1,610 |
| Loan loss allowance to noncurrent loans | 49.5322% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 5.4420% | 1,136 |
| Noncurrent loans to loans | 4.6716% | 1,522 |
| Net loans and leases to total assets | 68.3553% | 3,129 |
| Net loans and leases to deposits | 84.7183% | 2,572 |
| Net loans and leases to core deposits | 87.7915% | 3,396 |
| Total domestic deposits to total assets | 80.6854% | 5,483 |
| Equity capital to assets | 5.5942% | 7,527 |
| Core capital (leverage) ratio | 6.4406% | 7,349 |
| Tier 1 risk-based capital ratio | 8.2495% | 7,453 |
| Total risk-based capital ratio | 9.5082% | 7,461 |
| Memoranda: | ||
| Average total assets | $418,638,750 | 1,611 |
| Average earning assets | $386,781,250 | 1,581 |
| Average equity | $23,864,500 | 2,709 |
| Average total loans | $283,890,000 | 1,593 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 5,855 |
| Cost of funding earning assets | 1.8277% | 1,535 |
| Net interest margin | 2.9536% | 6,932 |
| Noninterest income to average assets | 0.0123% | 7,489 |
| Noninterest expense to average assets | 3.3647% | 2,358 |
| Loan and lease loss provision to assets | 0.4931% | 2,827 |
| Net operating income to assets | -0.7659% | 6,846 |
| Return on assets (ROA) | -0.7659% | 6,860 |
| Pretax return on assets | -1.1096% | 6,935 |
| Return on Equity (ROE) | -13.3560% | 7,088 |
| Retained earnings to average equity (ytd only) | -13.3560% | 7,050 |
| Net charge-offs to loans | 1.8306% | 1,013 |
| Credit loss provision to net charge-offs | 40.1308% | 5,611 |
| Earnings coverage of net charge-offs (x) | -0.5017% | 6,015 |
| Efficiency ratio | 118.8887% | 428 |
| Assets per employee ($millions) | 4.0849% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4294% | 1,399 |
| Loan loss allowance to noncurrent loans | 40.4710% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 5.2597% | 1,194 |
| Noncurrent loans to loans | 6.0028% | 1,065 |
| Net loans and leases to total assets | 67.4124% | 3,521 |
| Net loans and leases to deposits | 83.1519% | 3,043 |
| Net loans and leases to core deposits | 86.1164% | 3,809 |
| Total domestic deposits to total assets | 81.0714% | 5,376 |
| Equity capital to assets | 5.8337% | 7,561 |
| Core capital (leverage) ratio | 6.4997% | 7,384 |
| Tier 1 risk-based capital ratio | 8.3810% | 7,492 |
| Total risk-based capital ratio | 9.6382% | 7,505 |
| Memoranda: | ||
| Average total assets | $423,033,330 | 1,613 |
| Average earning assets | $391,861,330 | 1,582 |
| Average equity | $24,258,670 | 2,665 |
| Average total loans | $283,948,330 | 1,610 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 6,343 |
| Cost of funding earning assets | 1.9646% | 1,198 |
| Net interest margin | 2.7052% | 7,294 |
| Noninterest income to average assets | -0.0215% | 7,705 |
| Noninterest expense to average assets | 3.2587% | 2,677 |
| Loan and lease loss provision to assets | 0.1196% | 5,393 |
| Net operating income to assets | -0.5912% | 6,890 |
| Return on assets (ROA) | -0.5912% | 6,924 |
| Pretax return on assets | -0.8957% | 7,001 |
| Return on Equity (ROE) | -10.3966% | 7,154 |
| Retained earnings to average equity (ytd only) | -10.3966% | 6,988 |
| Net charge-offs to loans | 2.6874% | 602 |
| Credit loss provision to net charge-offs | 6.7227% | 5,084 |
| Earnings coverage of net charge-offs (x) | -0.4364% | 5,260 |
| Efficiency ratio | 128.4048% | 351 |
| Assets per employee ($millions) | 4.5323% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3572% | 1,480 |
| Loan loss allowance to noncurrent loans | 31.3189% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 6.1420% | 957 |
| Noncurrent loans to loans | 7.5264% | 760 |
| Net loans and leases to total assets | 65.2033% | 4,056 |
| Net loans and leases to deposits | 81.0619% | 3,450 |
| Net loans and leases to core deposits | 83.7955% | 4,237 |
| Total domestic deposits to total assets | 80.4364% | 5,643 |
| Equity capital to assets | 5.7343% | 7,653 |
| Core capital (leverage) ratio | 6.6626% | 7,406 |
| Tier 1 risk-based capital ratio | 8.6191% | 7,545 |
| Total risk-based capital ratio | 9.8748% | 7,562 |
| Memoranda: | ||
| Average total assets | $428,264,500 | 1,627 |
| Average earning assets | $396,420,000 | 1,605 |
| Average equity | $24,354,000 | 2,687 |
| Average total loans | $283,398,000 | 1,661 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 6,663 |
| Cost of funding earning assets | 2.9231% | 285 |
| Net interest margin | 1.9982% | 7,747 |
| Noninterest income to average assets | 1.5478% | 597 |
| Noninterest expense to average assets | 6.2498% | 282 |
| Loan and lease loss provision to assets | 1.2823% | 1,803 |
| Net operating income to assets | -6.1356% | 7,844 |
| Return on assets (ROA) | -5.8892% | 7,821 |
| Pretax return on assets | -3.9702% | 7,517 |
| Return on Equity (ROE) | -61.2580% | 7,759 |
| Retained earnings to average equity (ytd only) | -61.2580% | 7,756 |
| Net charge-offs to loans | 1.5149% | 1,657 |
| Credit loss provision to net charge-offs | 131.4962% | 3,845 |
| Earnings coverage of net charge-offs (x) | -3.0093% | 7,051 |
| Efficiency ratio | 106.8448% | 882 |
| Assets per employee ($millions) | 4.6290% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0042% | 773 |
| Loan loss allowance to noncurrent loans | 40.0690% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 5.9220% | 954 |
| Noncurrent loans to loans | 7.4976% | 704 |
| Net loans and leases to total assets | 63.6060% | 4,678 |
| Net loans and leases to deposits | 78.3546% | 4,309 |
| Net loans and leases to core deposits | 105.5069% | 3,390 |
| Total domestic deposits to total assets | 81.1771% | 5,276 |
| Equity capital to assets | 5.6395% | 7,714 |
| Core capital (leverage) ratio | 6.3025% | 7,551 |
| Tier 1 risk-based capital ratio | 8.8971% | 7,511 |
| Total risk-based capital ratio | 10.1664% | 7,526 |
| Memoranda: | ||
| Average total assets | $476,349,000 | 1,457 |
| Average earning assets | $421,371,400 | 1,500 |
| Average equity | $45,794,800 | 1,468 |
| Average total loans | $306,622,600 | 1,565 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 6,485 |
| Cost of funding earning assets | 3.0480% | 284 |
| Net interest margin | 1.9895% | 7,817 |
| Noninterest income to average assets | 1.4431% | 712 |
| Noninterest expense to average assets | 3.5792% | 2,069 |
| Loan and lease loss provision to assets | 0.9651% | 1,988 |
| Net operating income to assets | -0.9520% | 6,797 |
| Return on assets (ROA) | -0.7306% | 6,646 |
| Pretax return on assets | -1.0433% | 6,714 |
| Return on Equity (ROE) | -6.9643% | 6,654 |
| Retained earnings to average equity (ytd only) | -6.9643% | 6,503 |
| Net charge-offs to loans | 1.6765% | 1,209 |
| Credit loss provision to net charge-offs | 89.8016% | 5,487 |
| Earnings coverage of net charge-offs (x) | -0.3670% | 6,398 |
| Efficiency ratio | 110.3673% | 764 |
| Assets per employee ($millions) | 4.5447% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3412% | 1,248 |
| Loan loss allowance to noncurrent loans | 33.2630% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 5.6178% | 1,007 |
| Noncurrent loans to loans | 7.0383% | 765 |
| Net loans and leases to total assets | 63.2655% | 5,024 |
| Net loans and leases to deposits | 83.4377% | 3,749 |
| Net loans and leases to core deposits | 116.6812% | 2,556 |
| Total domestic deposits to total assets | 75.8236% | 6,614 |
| Equity capital to assets | 11.4733% | 2,613 |
| Core capital (leverage) ratio | 7.2625% | 7,216 |
| Tier 1 risk-based capital ratio | 9.3448% | 7,469 |
| Total risk-based capital ratio | 10.6072% | 7,439 |
| Memoranda: | ||
| Average total assets | $487,812,000 | 1,429 |
| Average earning assets | $427,025,500 | 1,496 |
| Average equity | $51,174,000 | 1,322 |
| Average total loans | $312,702,500 | 1,550 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 6,306 |
| Cost of funding earning assets | 3.1291% | 323 |
| Net interest margin | 2.0034% | 7,863 |
| Noninterest income to average assets | 2.2757% | 304 |
| Noninterest expense to average assets | 3.6559% | 1,932 |
| Loan and lease loss provision to assets | 0.8111% | 2,064 |
| Net operating income to assets | -0.3315% | 6,362 |
| Return on assets (ROA) | -0.3315% | 6,377 |
| Pretax return on assets | -0.4404% | 6,366 |
| Return on Equity (ROE) | -3.2476% | 6,395 |
| Retained earnings to average equity (ytd only) | -3.2476% | 6,010 |
| Net charge-offs to loans | 1.8648% | 1,008 |
| Credit loss provision to net charge-offs | 68.0625% | 5,455 |
| Earnings coverage of net charge-offs (x) | 0.3111% | 5,364 |
| Efficiency ratio | 89.2495% | 1,883 |
| Assets per employee ($millions) | 4.5378% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1339% | 1,342 |
| Loan loss allowance to noncurrent loans | 34.1663% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 5.5079% | 917 |
| Noncurrent loans to loans | 6.2456% | 867 |
| Net loans and leases to total assets | 61.2171% | 5,482 |
| Net loans and leases to deposits | 79.9217% | 4,560 |
| Net loans and leases to core deposits | 109.0835% | 3,486 |
| Total domestic deposits to total assets | 76.5963% | 6,418 |
| Equity capital to assets | 11.4189% | 2,589 |
| Core capital (leverage) ratio | 7.1958% | 7,364 |
| Tier 1 risk-based capital ratio | 9.9154% | 7,022 |
| Total risk-based capital ratio | 11.1746% | 6,938 |
| Memoranda: | ||
| Average total assets | $504,986,000 | 1,409 |
| Average earning assets | $441,340,000 | 1,461 |
| Average equity | $51,546,330 | 1,324 |
| Average total loans | $322,724,000 | 1,542 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1148% | 6,603 |
| Cost of funding earning assets | 3.1950% | 351 |
| Net interest margin | 1.9198% | 7,936 |
| Noninterest income to average assets | 0.2051% | 6,824 |
| Noninterest expense to average assets | 3.3774% | 2,425 |
| Loan and lease loss provision to assets | 0.7418% | 1,735 |
| Net operating income to assets | -1.5115% | 7,501 |
| Return on assets (ROA) | -1.5115% | 7,502 |
| Pretax return on assets | -2.2322% | 7,602 |
| Return on Equity (ROE) | -15.5998% | 7,632 |
| Retained earnings to average equity (ytd only) | -15.5998% | 7,468 |
| Net charge-offs to loans | 1.3117% | 1,071 |
| Credit loss provision to net charge-offs | 87.7005% | 4,048 |
| Earnings coverage of net charge-offs (x) | -1.7620% | 5,455 |
| Efficiency ratio | 175.8690% | 258 |
| Assets per employee ($millions) | 4.4846% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 1,400 |
| Loan loss allowance to noncurrent loans | 32.3597% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 5.3594% | 810 |
| Noncurrent loans to loans | 6.2056% | 747 |
| Net loans and leases to total assets | 61.8708% | 5,356 |
| Net loans and leases to deposits | 76.7611% | 5,118 |
| Net loans and leases to core deposits | 105.4084% | 3,982 |
| Total domestic deposits to total assets | 80.6017% | 5,131 |
| Equity capital to assets | 9.3071% | 4,930 |
| Core capital (leverage) ratio | 6.2646% | 7,952 |
| Tier 1 risk-based capital ratio | 8.5465% | 7,938 |
| Total risk-based capital ratio | 9.8044% | 7,976 |
| Memoranda: | ||
| Average total assets | $530,588,000 | 1,330 |
| Average earning assets | $464,849,000 | 1,403 |
| Average equity | $51,411,000 | 1,334 |
| Average total loans | $342,161,500 | 1,468 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9116% | 5,981 |
| Cost of funding earning assets | 3.7580% | 226 |
| Net interest margin | 2.1536% | 7,984 |
| Noninterest income to average assets | 0.0853% | 7,710 |
| Noninterest expense to average assets | 4.2529% | 1,094 |
| Loan and lease loss provision to assets | 1.7412% | 735 |
| Net operating income to assets | -2.8557% | 7,789 |
| Return on assets (ROA) | -3.4689% | 7,888 |
| Pretax return on assets | -4.8791% | 8,010 |
| Return on Equity (ROE) | -29.2397% | 7,944 |
| Retained earnings to average equity (ytd only) | -29.2397% | 7,895 |
| Net charge-offs to loans | 3.4949% | 225 |
| Credit loss provision to net charge-offs | 75.4122% | 5,985 |
| Earnings coverage of net charge-offs (x) | -0.9850% | 6,591 |
| Efficiency ratio | 174.1653% | 270 |
| Assets per employee ($millions) | 3.8697% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0538% | 1,141 |
| Loan loss allowance to noncurrent loans | 37.9926% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 5.2908% | 628 |
| Noncurrent loans to loans | 5.4057% | 769 |
| Net loans and leases to total assets | 64.5450% | 5,166 |
| Net loans and leases to deposits | 81.5168% | 4,792 |
| Net loans and leases to core deposits | 110.6664% | 3,720 |
| Total domestic deposits to total assets | 79.1800% | 5,305 |
| Equity capital to assets | 10.0896% | 3,928 |
| Core capital (leverage) ratio | 7.1742% | 7,549 |
| Tier 1 risk-based capital ratio | 9.4222% | 7,391 |
| Total risk-based capital ratio | 10.6805% | 7,300 |
| Memoranda: | ||
| Average total assets | $535,852,000 | 1,269 |
| Average earning assets | $471,077,000 | 1,313 |
| Average equity | $63,571,200 | 1,050 |
| Average total loans | $353,996,600 | 1,372 |