Home > Atlantic Coast Bank > Performance and Condition Ratios
Atlantic Coast Bank, Performance and Condition Ratios
| 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 | 4.1115% | 3,197 |
| Cost of funding earning assets | 0.9443% | 480 |
| Net interest margin | 3.1671% | 4,561 |
| Noninterest income to average assets | 0.5245% | 2,661 |
| Noninterest expense to average assets | 2.5356% | 3,541 |
| Loan and lease loss provision to assets | 0.0702% | 2,358 |
| Net operating income to assets | 0.6725% | 4,198 |
| Return on assets (ROA) | 0.6725% | 4,201 |
| Pretax return on assets | 0.8973% | 3,861 |
| Return on Equity (ROE) | 7.0924% | 3,753 |
| Retained earnings to average equity (ytd only) | 7.0924% | 2,242 |
| Net charge-offs to loans | 0.0813% | 1,320 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 13.7798% | 1,739 |
| Efficiency ratio | 72.3813% | 2,139 |
| Assets per employee ($millions) | 5.7039% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,533 |
| Loan loss allowance to noncurrent loans | 104.9677% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 1,464 |
| Noncurrent loans to loans | 1.0227% | 1,788 |
| Net loans and leases to total assets | 85.2379% | 322 |
| Net loans and leases to deposits | 123.2491% | 84 |
| Net loans and leases to core deposits | 141.6170% | 196 |
| Total domestic deposits to total assets | 69.1591% | 5,389 |
| Equity capital to assets | 9.8310% | 3,763 |
| Core capital (leverage) ratio | 9.9053% | 3,634 |
| Tier 1 risk-based capital ratio | 12.3791% | 4,323 |
| Total risk-based capital ratio | 13.5436% | 4,277 |
| Memoranda: | ||
| Average total assets | $957,073,000 | 804 |
| Average earning assets | $900,116,500 | 780 |
| Average equity | $90,745,500 | 933 |
| Average total loans | $826,254,500 | 668 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,622 |
| Cost of funding earning assets | 0.8445% | 494 |
| Net interest margin | 3.0903% | 4,711 |
| Noninterest income to average assets | 0.6744% | 2,073 |
| Noninterest expense to average assets | 2.6225% | 3,373 |
| Loan and lease loss provision to assets | 0.0745% | 2,714 |
| Net operating income to assets | 0.3966% | 4,705 |
| Return on assets (ROA) | 0.4241% | 4,633 |
| Pretax return on assets | 0.9210% | 3,839 |
| Return on Equity (ROE) | 4.4533% | 4,363 |
| Retained earnings to average equity (ytd only) | 4.4533% | 2,478 |
| Net charge-offs to loans | 0.0324% | 3,135 |
| Credit loss provision to net charge-offs | 271.7647% | 1,027 |
| Earnings coverage of net charge-offs (x) | 34.7608% | 1,385 |
| Efficiency ratio | 73.3582% | 2,005 |
| Assets per employee ($millions) | 5.3500% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,875 |
| Loan loss allowance to noncurrent loans | 110.4405% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 1,598 |
| Noncurrent loans to loans | 0.9146% | 1,952 |
| Net loans and leases to total assets | 85.6169% | 283 |
| Net loans and leases to deposits | 124.3304% | 76 |
| Net loans and leases to core deposits | 145.1772% | 160 |
| Total domestic deposits to total assets | 68.8624% | 5,443 |
| Equity capital to assets | 9.1515% | 4,575 |
| Core capital (leverage) ratio | 9.6719% | 3,846 |
| Tier 1 risk-based capital ratio | 11.4312% | 4,894 |
| Total risk-based capital ratio | 12.5266% | 4,872 |
| Memoranda: | ||
| Average total assets | $930,667,800 | 799 |
| Average earning assets | $873,549,600 | 775 |
| Average equity | $88,630,400 | 913 |
| Average total loans | $786,411,400 | 668 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 3,744 |
| Cost of funding earning assets | 0.8131% | 529 |
| Net interest margin | 3.0654% | 4,787 |
| Noninterest income to average assets | 0.7283% | 1,875 |
| Noninterest expense to average assets | 2.7037% | 3,057 |
| Loan and lease loss provision to assets | 0.0666% | 2,736 |
| Net operating income to assets | 0.5378% | 4,625 |
| Return on assets (ROA) | 0.5756% | 4,524 |
| Pretax return on assets | 0.8905% | 4,074 |
| Return on Equity (ROE) | 5.9818% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.9818% | 2,248 |
| Net charge-offs to loans | 0.0372% | 2,696 |
| Credit loss provision to net charge-offs | 213.0233% | 1,287 |
| Earnings coverage of net charge-offs (x) | 28.7628% | 1,599 |
| Efficiency ratio | 75.0484% | 1,734 |
| Assets per employee ($millions) | 5.0154% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,780 |
| Loan loss allowance to noncurrent loans | 88.1674% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 1,596 |
| Noncurrent loans to loans | 1.1932% | 1,605 |
| Net loans and leases to total assets | 85.6651% | 277 |
| Net loans and leases to deposits | 116.4458% | 148 |
| Net loans and leases to core deposits | 137.9122% | 233 |
| Total domestic deposits to total assets | 73.5665% | 5,272 |
| Equity capital to assets | 9.7805% | 4,167 |
| Core capital (leverage) ratio | 10.0291% | 3,537 |
| Tier 1 risk-based capital ratio | 11.8665% | 4,718 |
| Total risk-based capital ratio | 12.9871% | 4,687 |
| Memoranda: | ||
| Average total assets | $917,233,750 | 813 |
| Average earning assets | $860,068,000 | 795 |
| Average equity | $88,266,000 | 920 |
| Average total loans | $770,160,250 | 683 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 3,879 |
| Cost of funding earning assets | 0.7664% | 625 |
| Net interest margin | 3.0372% | 4,825 |
| Noninterest income to average assets | 0.8248% | 1,484 |
| Noninterest expense to average assets | 2.7327% | 2,975 |
| Loan and lease loss provision to assets | 0.0636% | 2,699 |
| Net operating income to assets | 0.5589% | 4,479 |
| Return on assets (ROA) | 0.6148% | 4,282 |
| Pretax return on assets | 0.9611% | 3,721 |
| Return on Equity (ROE) | 6.4245% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.4245% | 1,890 |
| Net charge-offs to loans | 0.0613% | 2,045 |
| Credit loss provision to net charge-offs | 124.8927% | 1,737 |
| Earnings coverage of net charge-offs (x) | 18.4120% | 1,880 |
| Efficiency ratio | 74.4597% | 1,930 |
| Assets per employee ($millions) | 4.9914% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 3,947 |
| Loan loss allowance to noncurrent loans | 83.6216% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 1,580 |
| Noncurrent loans to loans | 1.2342% | 1,571 |
| Net loans and leases to total assets | 86.2963% | 251 |
| Net loans and leases to deposits | 114.2189% | 192 |
| Net loans and leases to core deposits | 133.0616% | 265 |
| Total domestic deposits to total assets | 75.5535% | 5,141 |
| Equity capital to assets | 9.7676% | 4,159 |
| Core capital (leverage) ratio | 10.0650% | 3,450 |
| Tier 1 risk-based capital ratio | 11.8309% | 4,740 |
| Total risk-based capital ratio | 12.9380% | 4,729 |
| Memoranda: | ||
| Average total assets | $915,367,000 | 821 |
| Average earning assets | $857,490,000 | 802 |
| Average equity | $87,602,000 | 932 |
| Average total loans | $760,563,000 | 695 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,170 |
| Cost of funding earning assets | 0.7072% | 815 |
| Net interest margin | 2.9728% | 4,950 |
| Noninterest income to average assets | 1.0808% | 856 |
| Noninterest expense to average assets | 2.7732% | 2,878 |
| Loan and lease loss provision to assets | 0.0437% | 2,925 |
| Net operating income to assets | 0.6749% | 3,810 |
| Return on assets (ROA) | 0.6749% | 3,850 |
| Pretax return on assets | 1.0459% | 3,177 |
| Return on Equity (ROE) | 7.1250% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.1250% | 1,804 |
| Net charge-offs to loans | -0.0054% | 4,209 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7934% | 2,616 |
| Assets per employee ($millions) | 5.0529% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,704 |
| Loan loss allowance to noncurrent loans | 84.6673% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.3601% | 1,237 |
| Noncurrent loans to loans | 1.3025% | 1,553 |
| Net loans and leases to total assets | 80.2242% | 809 |
| Net loans and leases to deposits | 107.7453% | 266 |
| Net loans and leases to core deposits | 130.9311% | 253 |
| Total domestic deposits to total assets | 74.4573% | 5,382 |
| Equity capital to assets | 9.4892% | 4,290 |
| Core capital (leverage) ratio | 10.3194% | 3,086 |
| Tier 1 risk-based capital ratio | 12.5569% | 4,356 |
| Total risk-based capital ratio | 13.7584% | 4,288 |
| Memoranda: | ||
| Average total assets | $916,341,500 | 823 |
| Average earning assets | $857,506,500 | 811 |
| Average equity | $86,793,500 | 937 |
| Average total loans | $742,611,500 | 710 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 3,063 |
| Cost of funding earning assets | 0.8843% | 322 |
| Net interest margin | 3.1560% | 4,575 |
| Noninterest income to average assets | 0.8384% | 1,622 |
| Noninterest expense to average assets | 2.6982% | 3,342 |
| Loan and lease loss provision to assets | 0.0686% | 2,992 |
| Net operating income to assets | 0.8511% | 3,064 |
| Return on assets (ROA) | 0.9755% | 2,564 |
| Pretax return on assets | 1.1517% | 2,891 |
| Return on Equity (ROE) | 10.8251% | 1,645 |
| Retained earnings to average equity (ytd only) | 10.8251% | 324 |
| Net charge-offs to loans | 0.0275% | 3,484 |
| Credit loss provision to net charge-offs | 306.4356% | 966 |
| Earnings coverage of net charge-offs (x) | 47.9703% | 1,034 |
| Efficiency ratio | 71.5301% | 2,664 |
| Assets per employee ($millions) | 5.0166% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,655 |
| Loan loss allowance to noncurrent loans | 80.3821% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.4361% | 1,182 |
| Noncurrent loans to loans | 1.3813% | 1,482 |
| Net loans and leases to total assets | 80.0627% | 888 |
| Net loans and leases to deposits | 115.3011% | 139 |
| Net loans and leases to core deposits | 137.6012% | 200 |
| Total domestic deposits to total assets | 69.4379% | 5,685 |
| Equity capital to assets | 9.4540% | 4,318 |
| Core capital (leverage) ratio | 9.4385% | 4,174 |
| Tier 1 risk-based capital ratio | 13.5801% | 3,719 |
| Total risk-based capital ratio | 14.8326% | 3,623 |
| Memoranda: | ||
| Average total assets | $902,308,400 | 800 |
| Average earning assets | $838,754,200 | 784 |
| Average equity | $81,311,200 | 978 |
| Average total loans | $735,078,600 | 680 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,171 |
| Cost of funding earning assets | 0.9291% | 250 |
| Net interest margin | 3.0853% | 4,811 |
| Noninterest income to average assets | 0.8433% | 1,599 |
| Noninterest expense to average assets | 2.7433% | 3,199 |
| Loan and lease loss provision to assets | 0.0842% | 2,531 |
| Net operating income to assets | 0.5514% | 4,491 |
| Return on assets (ROA) | 0.6765% | 4,102 |
| Pretax return on assets | 1.0755% | 3,331 |
| Return on Equity (ROE) | 7.6012% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.6012% | 1,355 |
| Net charge-offs to loans | 0.0297% | 3,061 |
| Credit loss provision to net charge-offs | 346.9512% | 935 |
| Earnings coverage of net charge-offs (x) | 39.7258% | 1,253 |
| Efficiency ratio | 73.9931% | 2,288 |
| Assets per employee ($millions) | 5.0337% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,172 |
| Loan loss allowance to noncurrent loans | 74.9150% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4594% | 1,243 |
| Noncurrent loans to loans | 1.3904% | 1,584 |
| Net loans and leases to total assets | 82.7023% | 544 |
| Net loans and leases to deposits | 124.8267% | 72 |
| Net loans and leases to core deposits | 147.5536% | 137 |
| Total domestic deposits to total assets | 66.2536% | 5,808 |
| Equity capital to assets | 8.8476% | 5,287 |
| Core capital (leverage) ratio | 9.0900% | 4,728 |
| Tier 1 risk-based capital ratio | 12.2143% | 4,666 |
| Total risk-based capital ratio | 13.4238% | 4,585 |
| Memoranda: | ||
| Average total assets | $900,885,500 | 799 |
| Average earning assets | $836,340,000 | 786 |
| Average equity | $80,178,500 | 991 |
| Average total loans | $735,065,500 | 680 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 3,072 |
| Cost of funding earning assets | 1.0203% | 154 |
| Net interest margin | 3.0274% | 5,023 |
| Noninterest income to average assets | 0.8998% | 1,376 |
| Noninterest expense to average assets | 2.7554% | 3,179 |
| Loan and lease loss provision to assets | 0.0785% | 2,578 |
| Net operating income to assets | 0.5489% | 4,483 |
| Return on assets (ROA) | 0.6681% | 4,104 |
| Pretax return on assets | 1.0622% | 3,352 |
| Return on Equity (ROE) | 7.4913% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.4913% | 1,385 |
| Net charge-offs to loans | 0.0178% | 3,148 |
| Credit loss provision to net charge-offs | 545.3125% | 618 |
| Earnings coverage of net charge-offs (x) | 66.2969% | 815 |
| Efficiency ratio | 74.2724% | 2,321 |
| Assets per employee ($millions) | 4.8383% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 4,243 |
| Loan loss allowance to noncurrent loans | 235.2769% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 3,003 |
| Noncurrent loans to loans | 0.4452% | 3,772 |
| Net loans and leases to total assets | 82.5236% | 570 |
| Net loans and leases to deposits | 132.3231% | 32 |
| Net loans and leases to core deposits | 153.8294% | 105 |
| Total domestic deposits to total assets | 62.3652% | 5,949 |
| Equity capital to assets | 8.8242% | 5,381 |
| Core capital (leverage) ratio | 9.0625% | 4,760 |
| Tier 1 risk-based capital ratio | 11.3556% | 5,244 |
| Total risk-based capital ratio | 12.4851% | 5,210 |
| Memoranda: | ||
| Average total assets | $889,091,670 | 811 |
| Average earning assets | $825,276,000 | 800 |
| Average equity | $79,292,330 | 1,002 |
| Average total loans | $719,266,000 | 693 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,027 |
| Cost of funding earning assets | 1.0419% | 128 |
| Net interest margin | 3.0096% | 5,101 |
| Noninterest income to average assets | 0.7867% | 1,672 |
| Noninterest expense to average assets | 2.7547% | 3,226 |
| Loan and lease loss provision to assets | 0.0686% | 2,580 |
| Net operating income to assets | 0.4678% | 4,746 |
| Return on assets (ROA) | 0.7103% | 3,780 |
| Pretax return on assets | 1.1291% | 2,977 |
| Return on Equity (ROE) | 7.9205% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.9205% | 1,491 |
| Net charge-offs to loans | 0.0696% | 1,784 |
| Credit loss provision to net charge-offs | 123.9669% | 1,412 |
| Earnings coverage of net charge-offs (x) | 14.7851% | 1,684 |
| Efficiency ratio | 77.0876% | 2,030 |
| Assets per employee ($millions) | 4.6936% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 4,253 |
| Loan loss allowance to noncurrent loans | 174.5397% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 2,546 |
| Noncurrent loans to loans | 0.6108% | 3,344 |
| Net loans and leases to total assets | 80.9001% | 701 |
| Net loans and leases to deposits | 130.2228% | 35 |
| Net loans and leases to core deposits | 146.0332% | 129 |
| Total domestic deposits to total assets | 62.1243% | 6,023 |
| Equity capital to assets | 8.9061% | 5,261 |
| Core capital (leverage) ratio | 9.2031% | 4,596 |
| Tier 1 risk-based capital ratio | 11.9069% | 4,973 |
| Total risk-based capital ratio | 13.0808% | 4,932 |
| Memoranda: | ||
| Average total assets | $874,000,000 | 831 |
| Average earning assets | $809,265,500 | 822 |
| Average equity | $78,379,000 | 1,017 |
| Average total loans | $695,574,500 | 723 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 2,755 |
| Cost of funding earning assets | 1.2083% | 55 |
| Net interest margin | 2.9365% | 5,279 |
| Noninterest income to average assets | 0.7872% | 1,838 |
| Noninterest expense to average assets | 3.5995% | 1,128 |
| Loan and lease loss provision to assets | 0.1027% | 2,271 |
| Net operating income to assets | 0.6403% | 4,084 |
| Return on assets (ROA) | 0.6396% | 4,175 |
| Pretax return on assets | -0.2339% | 5,972 |
| Return on Equity (ROE) | 6.7550% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.7550% | 1,401 |
| Net charge-offs to loans | 0.0291% | 3,639 |
| Credit loss provision to net charge-offs | 478.1065% | 653 |
| Earnings coverage of net charge-offs (x) | -6.0592% | 4,412 |
| Efficiency ratio | 103.7501% | 218 |
| Assets per employee ($millions) | 4.7020% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,644 |
| Loan loss allowance to noncurrent loans | 183.3570% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 2,491 |
| Noncurrent loans to loans | 0.6381% | 3,274 |
| Net loans and leases to total assets | 76.4429% | 1,341 |
| Net loans and leases to deposits | 117.1262% | 126 |
| Net loans and leases to core deposits | 120.9966% | 454 |
| Total domestic deposits to total assets | 65.2654% | 6,024 |
| Equity capital to assets | 8.9848% | 5,139 |
| Core capital (leverage) ratio | 9.4892% | 4,184 |
| Tier 1 risk-based capital ratio | 12.6587% | 4,540 |
| Total risk-based capital ratio | 13.9113% | 4,433 |
| Memoranda: | ||
| Average total assets | $787,046,400 | 879 |
| Average earning assets | $718,885,800 | 886 |
| Average equity | $74,522,600 | 1,025 |
| Average total loans | $580,638,600 | 806 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 2,633 |
| Cost of funding earning assets | 1.2862% | 41 |
| Net interest margin | 2.8972% | 5,418 |
| Noninterest income to average assets | 0.8881% | 1,485 |
| Noninterest expense to average assets | 3.9298% | 717 |
| Loan and lease loss provision to assets | 0.1008% | 2,165 |
| Net operating income to assets | 0.7434% | 3,715 |
| Return on assets (ROA) | 0.7424% | 3,810 |
| Pretax return on assets | -0.5066% | 6,135 |
| Return on Equity (ROE) | 7.7313% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.7313% | 1,363 |
| Net charge-offs to loans | 0.0136% | 3,697 |
| Credit loss provision to net charge-offs | 1,021.0526% | 356 |
| Earnings coverage of net charge-offs (x) | -40.9463% | 4,169 |
| Efficiency ratio | 111.4653% | 139 |
| Assets per employee ($millions) | 4.5868% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 3,273 |
| Loan loss allowance to noncurrent loans | 188.5813% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9234% | 2,547 |
| Noncurrent loans to loans | 0.6714% | 3,317 |
| Net loans and leases to total assets | 72.8722% | 1,926 |
| Net loans and leases to deposits | 119.2141% | 112 |
| Net loans and leases to core deposits | 123.3667% | 393 |
| Total domestic deposits to total assets | 61.1271% | 6,167 |
| Equity capital to assets | 9.3807% | 4,906 |
| Core capital (leverage) ratio | 9.5524% | 4,234 |
| Tier 1 risk-based capital ratio | 13.5036% | 4,137 |
| Total risk-based capital ratio | 14.7581% | 4,065 |
| Memoranda: | ||
| Average total assets | $769,866,500 | 902 |
| Average earning assets | $700,846,750 | 916 |
| Average equity | $73,931,000 | 1,039 |
| Average total loans | $560,319,000 | 840 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 2,737 |
| Cost of funding earning assets | 1.4174% | 23 |
| Net interest margin | 2.7273% | 5,736 |
| Noninterest income to average assets | 0.8847% | 1,489 |
| Noninterest expense to average assets | 4.4495% | 445 |
| Loan and lease loss provision to assets | 0.1026% | 2,122 |
| Net operating income to assets | 0.8704% | 3,043 |
| Return on assets (ROA) | 0.8688% | 3,147 |
| Pretax return on assets | -1.1761% | 6,269 |
| Return on Equity (ROE) | 8.9725% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.9725% | 931 |
| Net charge-offs to loans | 0.0341% | 2,985 |
| Credit loss provision to net charge-offs | 416.1290% | 726 |
| Earnings coverage of net charge-offs (x) | -43.4409% | 3,879 |
| Efficiency ratio | 131.7062% | 70 |
| Assets per employee ($millions) | 4.6231% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 3,494 |
| Loan loss allowance to noncurrent loans | 187.7696% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 2,593 |
| Noncurrent loans to loans | 0.6671% | 3,479 |
| Net loans and leases to total assets | 72.1024% | 1,960 |
| Net loans and leases to deposits | 115.8249% | 149 |
| Net loans and leases to core deposits | 119.0930% | 489 |
| Total domestic deposits to total assets | 62.2512% | 6,226 |
| Equity capital to assets | 9.2222% | 4,991 |
| Core capital (leverage) ratio | 9.6857% | 4,018 |
| Tier 1 risk-based capital ratio | 13.4808% | 4,234 |
| Total risk-based capital ratio | 14.7356% | 4,163 |
| Memoranda: | ||
| Average total assets | $754,340,000 | 924 |
| Average earning assets | $689,701,330 | 934 |
| Average equity | $73,045,330 | 1,053 |
| Average total loans | $546,228,000 | 860 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 2,786 |
| Cost of funding earning assets | 1.4663% | 17 |
| Net interest margin | 2.6442% | 5,872 |
| Noninterest income to average assets | 0.9728% | 1,180 |
| Noninterest expense to average assets | 3.0609% | 2,392 |
| Loan and lease loss provision to assets | 0.1084% | 1,899 |
| Net operating income to assets | 0.2102% | 5,660 |
| Return on assets (ROA) | 0.2058% | 5,760 |
| Pretax return on assets | 0.2305% | 5,789 |
| Return on Equity (ROE) | 2.0702% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.0702% | 4,641 |
| Net charge-offs to loans | 0.1168% | 1,585 |
| Credit loss provision to net charge-offs | 128.7582% | 1,379 |
| Earnings coverage of net charge-offs (x) | 4.0850% | 2,535 |
| Efficiency ratio | 89.8998% | 855 |
| Assets per employee ($millions) | 4.0075% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 3,439 |
| Loan loss allowance to noncurrent loans | 162.9815% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1584% | 2,314 |
| Noncurrent loans to loans | 0.7936% | 3,264 |
| Net loans and leases to total assets | 73.1979% | 1,619 |
| Net loans and leases to deposits | 120.5305% | 81 |
| Net loans and leases to core deposits | 123.7618% | 330 |
| Total domestic deposits to total assets | 60.7298% | 6,313 |
| Equity capital to assets | 9.7799% | 4,409 |
| Core capital (leverage) ratio | 10.3838% | 3,115 |
| Tier 1 risk-based capital ratio | 14.6099% | 3,655 |
| Total risk-based capital ratio | 15.8618% | 3,580 |
| Memoranda: | ||
| Average total assets | $726,984,500 | 953 |
| Average earning assets | $668,627,000 | 959 |
| Average equity | $72,262,000 | 1,065 |
| Average total loans | $523,969,500 | 899 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 2,764 |
| Cost of funding earning assets | 1.5893% | 18 |
| Net interest margin | 2.6640% | 5,991 |
| Noninterest income to average assets | 0.8278% | 1,765 |
| Noninterest expense to average assets | 2.9560% | 2,981 |
| Loan and lease loss provision to assets | 0.1767% | 1,459 |
| Net operating income to assets | 0.1552% | 5,864 |
| Return on assets (ROA) | 0.1839% | 5,848 |
| Pretax return on assets | 0.1839% | 5,895 |
| Return on Equity (ROE) | 1.9178% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.9178% | 4,844 |
| Net charge-offs to loans | 0.2490% | 1,721 |
| Credit loss provision to net charge-offs | 114.4665% | 2,082 |
| Earnings coverage of net charge-offs (x) | 2.1501% | 4,232 |
| Efficiency ratio | 89.8820% | 848 |
| Assets per employee ($millions) | 4.1927% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 2,771 |
| Loan loss allowance to noncurrent loans | 156.7144% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 2,390 |
| Noncurrent loans to loans | 0.9158% | 3,026 |
| Net loans and leases to total assets | 68.8803% | 2,416 |
| Net loans and leases to deposits | 109.9303% | 235 |
| Net loans and leases to core deposits | 112.7865% | 653 |
| Total domestic deposits to total assets | 62.6582% | 6,378 |
| Equity capital to assets | 10.1083% | 3,974 |
| Core capital (leverage) ratio | 10.3517% | 3,113 |
| Tier 1 risk-based capital ratio | 16.3815% | 2,770 |
| Total risk-based capital ratio | 17.6357% | 2,710 |
| Memoranda: | ||
| Average total assets | $716,314,000 | 941 |
| Average earning assets | $661,498,800 | 932 |
| Average equity | $68,671,600 | 1,074 |
| Average total loans | $444,162,600 | 992 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 2,991 |
| Cost of funding earning assets | 1.5951% | 18 |
| Net interest margin | 2.6045% | 6,131 |
| Noninterest income to average assets | 0.8647% | 1,642 |
| Noninterest expense to average assets | 2.8925% | 3,149 |
| Loan and lease loss provision to assets | 0.1979% | 1,209 |
| Net operating income to assets | 0.1483% | 5,947 |
| Return on assets (ROA) | 0.1602% | 5,962 |
| Pretax return on assets | 0.2038% | 5,944 |
| Return on Equity (ROE) | 1.6938% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.6938% | 5,202 |
| Net charge-offs to loans | 0.2364% | 1,631 |
| Credit loss provision to net charge-offs | 139.3464% | 1,685 |
| Earnings coverage of net charge-offs (x) | 2.7229% | 3,835 |
| Efficiency ratio | 88.1800% | 986 |
| Assets per employee ($millions) | 4.2832% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 2,465 |
| Loan loss allowance to noncurrent loans | 177.4920% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3097% | 2,366 |
| Noncurrent loans to loans | 0.8781% | 3,377 |
| Net loans and leases to total assets | 63.9898% | 3,169 |
| Net loans and leases to deposits | 103.8124% | 416 |
| Net loans and leases to core deposits | 106.6706% | 918 |
| Total domestic deposits to total assets | 61.6398% | 6,471 |
| Equity capital to assets | 9.7546% | 4,480 |
| Core capital (leverage) ratio | 10.1713% | 3,442 |
| Tier 1 risk-based capital ratio | 16.5754% | 2,785 |
| Total risk-based capital ratio | 17.8302% | 2,735 |
| Memoranda: | ||
| Average total assets | $718,251,250 | 943 |
| Average earning assets | $665,847,500 | 931 |
| Average equity | $67,933,500 | 1,086 |
| Average total loans | $431,411,000 | 1,025 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,148 |
| Cost of funding earning assets | 1.6090% | 18 |
| Net interest margin | 2.5410% | 6,232 |
| Noninterest income to average assets | 0.8184% | 1,768 |
| Noninterest expense to average assets | 2.8044% | 3,488 |
| Loan and lease loss provision to assets | 0.2225% | 1,040 |
| Net operating income to assets | 0.1230% | 6,002 |
| Return on assets (ROA) | 0.1246% | 6,038 |
| Pretax return on assets | 0.1527% | 6,022 |
| Return on Equity (ROE) | 1.3310% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.3310% | 5,212 |
| Net charge-offs to loans | 0.3617% | 1,130 |
| Credit loss provision to net charge-offs | 105.2632% | 1,902 |
| Earnings coverage of net charge-offs (x) | 1.7658% | 3,716 |
| Efficiency ratio | 88.2121% | 1,068 |
| Assets per employee ($millions) | 4.4754% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 2,506 |
| Loan loss allowance to noncurrent loans | 173.1961% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 2,458 |
| Noncurrent loans to loans | 0.9174% | 3,429 |
| Net loans and leases to total assets | 60.7969% | 3,594 |
| Net loans and leases to deposits | 96.8960% | 746 |
| Net loans and leases to core deposits | 99.9049% | 1,299 |
| Total domestic deposits to total assets | 62.7445% | 6,533 |
| Equity capital to assets | 9.7953% | 4,361 |
| Core capital (leverage) ratio | 10.1734% | 3,387 |
| Tier 1 risk-based capital ratio | 17.4921% | 2,416 |
| Total risk-based capital ratio | 18.7474% | 2,391 |
| Memoranda: | ||
| Average total assets | $719,237,000 | 944 |
| Average earning assets | $667,762,330 | 928 |
| Average equity | $67,320,000 | 1,087 |
| Average total loans | $420,227,330 | 1,039 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 3,198 |
| Cost of funding earning assets | 1.6481% | 19 |
| Net interest margin | 2.4737% | 6,351 |
| Noninterest income to average assets | 0.7800% | 1,840 |
| Noninterest expense to average assets | 2.6665% | 4,054 |
| Loan and lease loss provision to assets | 0.2489% | 870 |
| Net operating income to assets | 0.1283% | 5,972 |
| Return on assets (ROA) | 0.1283% | 6,005 |
| Pretax return on assets | 0.1637% | 5,988 |
| Return on Equity (ROE) | 1.4033% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.4033% | 5,052 |
| Net charge-offs to loans | 0.4346% | 838 |
| Credit loss provision to net charge-offs | 100.8969% | 1,643 |
| Earnings coverage of net charge-offs (x) | 1.6726% | 3,046 |
| Efficiency ratio | 86.5074% | 1,394 |
| Assets per employee ($millions) | 5.0050% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 2,495 |
| Loan loss allowance to noncurrent loans | 205.7430% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 2,771 |
| Noncurrent loans to loans | 0.8043% | 3,865 |
| Net loans and leases to total assets | 58.1161% | 3,825 |
| Net loans and leases to deposits | 89.3161% | 1,222 |
| Net loans and leases to core deposits | 92.1209% | 1,721 |
| Total domestic deposits to total assets | 65.0679% | 6,571 |
| Equity capital to assets | 9.4975% | 4,505 |
| Core capital (leverage) ratio | 10.1285% | 3,391 |
| Tier 1 risk-based capital ratio | 18.4874% | 2,130 |
| Total risk-based capital ratio | 19.7439% | 2,090 |
| Memoranda: | ||
| Average total assets | $723,057,500 | 942 |
| Average earning assets | $672,040,000 | 921 |
| Average equity | $66,128,500 | 1,107 |
| Average total loans | $410,534,500 | 1,066 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 3,353 |
| Cost of funding earning assets | 1.8480% | 15 |
| Net interest margin | 2.3499% | 6,485 |
| Noninterest income to average assets | 0.3317% | 4,962 |
| Noninterest expense to average assets | 3.0928% | 2,760 |
| Loan and lease loss provision to assets | 0.9451% | 198 |
| Net operating income to assets | -1.5352% | 6,680 |
| Return on assets (ROA) | -1.5352% | 6,675 |
| Pretax return on assets | -1.5352% | 6,666 |
| Return on Equity (ROE) | -27.9694% | 6,712 |
| Retained earnings to average equity (ytd only) | -27.9694% | 6,706 |
| Net charge-offs to loans | 2.4361% | 123 |
| Credit loss provision to net charge-offs | 64.0565% | 3,451 |
| Earnings coverage of net charge-offs (x) | -0.4000% | 5,181 |
| Efficiency ratio | 123.4362% | 155 |
| Assets per employee ($millions) | 5.4881% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 2,294 |
| Loan loss allowance to noncurrent loans | 205.3814% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.1705% | 3,056 |
| Noncurrent loans to loans | 0.8432% | 3,873 |
| Net loans and leases to total assets | 53.5944% | 4,638 |
| Net loans and leases to deposits | 85.1319% | 1,797 |
| Net loans and leases to core deposits | 88.0950% | 2,238 |
| Total domestic deposits to total assets | 62.9546% | 6,688 |
| Equity capital to assets | 8.8056% | 5,248 |
| Core capital (leverage) ratio | 9.7286% | 3,945 |
| Tier 1 risk-based capital ratio | 19.2151% | 1,860 |
| Total risk-based capital ratio | 20.4724% | 1,820 |
| Memoranda: | ||
| Average total assets | $743,539,600 | 895 |
| Average earning assets | $686,914,400 | 882 |
| Average equity | $40,812,400 | 1,715 |
| Average total loans | $450,305,600 | 950 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 3,184 |
| Cost of funding earning assets | 1.8607% | 16 |
| Net interest margin | 2.3932% | 6,524 |
| Noninterest income to average assets | 0.8931% | 1,779 |
| Noninterest expense to average assets | 3.2352% | 2,246 |
| Loan and lease loss provision to assets | 0.6686% | 327 |
| Net operating income to assets | -0.8038% | 6,675 |
| Return on assets (ROA) | -0.8038% | 6,683 |
| Pretax return on assets | -0.8038% | 6,661 |
| Return on Equity (ROE) | -17.2088% | 6,756 |
| Retained earnings to average equity (ytd only) | -17.2088% | 6,734 |
| Net charge-offs to loans | 1.4716% | 325 |
| Credit loss provision to net charge-offs | 73.2276% | 2,996 |
| Earnings coverage of net charge-offs (x) | -0.1481% | 4,899 |
| Efficiency ratio | 104.2457% | 361 |
| Assets per employee ($millions) | 5.3420% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3121% | 1,167 |
| Loan loss allowance to noncurrent loans | 69.9993% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 3.5030% | 970 |
| Noncurrent loans to loans | 3.3030% | 1,176 |
| Net loans and leases to total assets | 56.2033% | 4,293 |
| Net loans and leases to deposits | 84.1681% | 1,859 |
| Net loans and leases to core deposits | 87.6359% | 2,227 |
| Total domestic deposits to total assets | 66.7751% | 6,691 |
| Equity capital to assets | 4.1939% | 6,810 |
| Core capital (leverage) ratio | 4.8806% | 6,792 |
| Tier 1 risk-based capital ratio | 9.0353% | 6,721 |
| Total risk-based capital ratio | 10.3004% | 6,721 |
| Memoranda: | ||
| Average total assets | $745,573,250 | 905 |
| Average earning assets | $687,533,500 | 884 |
| Average equity | $34,826,250 | 2,000 |
| Average total loans | $462,611,500 | 922 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 3,029 |
| Cost of funding earning assets | 1.8385% | 20 |
| Net interest margin | 2.4444% | 6,507 |
| Noninterest income to average assets | 0.9549% | 1,638 |
| Noninterest expense to average assets | 3.4989% | 1,610 |
| Loan and lease loss provision to assets | 0.6494% | 377 |
| Net operating income to assets | -0.9390% | 6,742 |
| Return on assets (ROA) | -0.9390% | 6,748 |
| Pretax return on assets | -0.9390% | 6,727 |
| Return on Equity (ROE) | -19.4740% | 6,826 |
| Retained earnings to average equity (ytd only) | -19.4740% | 6,801 |
| Net charge-offs to loans | 1.3818% | 407 |
| Credit loss provision to net charge-offs | 74.0417% | 2,743 |
| Earnings coverage of net charge-offs (x) | -0.3302% | 4,638 |
| Efficiency ratio | 108.9087% | 299 |
| Assets per employee ($millions) | 5.3115% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1841% | 1,457 |
| Loan loss allowance to noncurrent loans | 81.0883% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 3.3928% | 1,147 |
| Noncurrent loans to loans | 2.6935% | 1,693 |
| Net loans and leases to total assets | 60.4016% | 3,592 |
| Net loans and leases to deposits | 89.1550% | 1,212 |
| Net loans and leases to core deposits | 92.3376% | 1,677 |
| Total domestic deposits to total assets | 67.7489% | 6,725 |
| Equity capital to assets | 4.2148% | 6,861 |
| Core capital (leverage) ratio | 4.8321% | 6,839 |
| Tier 1 risk-based capital ratio | 8.2919% | 6,794 |
| Total risk-based capital ratio | 9.5548% | 6,795 |
| Memoranda: | ||
| Average total assets | $755,489,670 | 888 |
| Average earning assets | $696,774,000 | 872 |
| Average equity | $36,428,000 | 1,919 |
| Average total loans | $479,535,670 | 879 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,938 |
| Cost of funding earning assets | 1.8201% | 21 |
| Net interest margin | 2.4669% | 6,543 |
| Noninterest income to average assets | 0.8967% | 1,768 |
| Noninterest expense to average assets | 3.5796% | 1,456 |
| Loan and lease loss provision to assets | 0.6483% | 373 |
| Net operating income to assets | -1.0533% | 6,822 |
| Return on assets (ROA) | -1.0533% | 6,832 |
| Pretax return on assets | -1.0533% | 6,815 |
| Return on Equity (ROE) | -20.5794% | 6,900 |
| Retained earnings to average equity (ytd only) | -20.5794% | 6,834 |
| Net charge-offs to loans | 1.3534% | 412 |
| Credit loss provision to net charge-offs | 74.4719% | 2,236 |
| Earnings coverage of net charge-offs (x) | -0.4653% | 3,921 |
| Efficiency ratio | 112.6427% | 292 |
| Assets per employee ($millions) | 5.2740% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2045% | 1,574 |
| Loan loss allowance to noncurrent loans | 54.6242% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 3.9122% | 1,042 |
| Noncurrent loans to loans | 4.0357% | 1,116 |
| Net loans and leases to total assets | 61.9963% | 3,064 |
| Net loans and leases to deposits | 92.1471% | 790 |
| Net loans and leases to core deposits | 95.1635% | 1,257 |
| Total domestic deposits to total assets | 67.2797% | 6,825 |
| Equity capital to assets | 5.0106% | 6,889 |
| Core capital (leverage) ratio | 5.0329% | 6,875 |
| Tier 1 risk-based capital ratio | 8.5421% | 6,838 |
| Total risk-based capital ratio | 9.8059% | 6,842 |
| Memoranda: | ||
| Average total assets | $761,427,000 | 892 |
| Average earning assets | $703,055,000 | 876 |
| Average equity | $38,971,000 | 1,820 |
| Average total loans | $489,711,500 | 863 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6471% | 2,808 |
| Cost of funding earning assets | 1.9794% | 33 |
| Net interest margin | 2.6677% | 6,564 |
| Noninterest income to average assets | 0.9183% | 1,801 |
| Noninterest expense to average assets | 2.8843% | 3,701 |
| Loan and lease loss provision to assets | 1.5971% | 185 |
| Net operating income to assets | -1.1208% | 6,776 |
| Return on assets (ROA) | -0.8127% | 6,701 |
| Pretax return on assets | -0.7935% | 6,671 |
| Return on Equity (ROE) | -14.4761% | 6,817 |
| Retained earnings to average equity (ytd only) | -14.4761% | 6,766 |
| Net charge-offs to loans | 3.1748% | 145 |
| Credit loss provision to net charge-offs | 72.9316% | 4,074 |
| Earnings coverage of net charge-offs (x) | 0.2263% | 5,364 |
| Efficiency ratio | 85.2381% | 1,499 |
| Assets per employee ($millions) | 5.3746% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 1,634 |
| Loan loss allowance to noncurrent loans | 43.7590% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 4.2573% | 992 |
| Noncurrent loans to loans | 4.9309% | 820 |
| Net loans and leases to total assets | 63.7994% | 2,932 |
| Net loans and leases to deposits | 98.5105% | 479 |
| Net loans and leases to core deposits | 101.9156% | 892 |
| Total domestic deposits to total assets | 64.7641% | 6,922 |
| Equity capital to assets | 5.2222% | 6,938 |
| Core capital (leverage) ratio | 5.1342% | 6,925 |
| Tier 1 risk-based capital ratio | 8.5161% | 6,887 |
| Total risk-based capital ratio | 9.7796% | 6,891 |
| Memoranda: | ||
| Average total assets | $782,085,200 | 847 |
| Average earning assets | $721,634,800 | 828 |
| Average equity | $43,907,000 | 1,588 |
| Average total loans | $539,462,800 | 768 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7197% | 2,715 |
| Cost of funding earning assets | 1.9895% | 31 |
| Net interest margin | 2.7302% | 6,604 |
| Noninterest income to average assets | 0.9660% | 1,614 |
| Noninterest expense to average assets | 2.8432% | 3,829 |
| Loan and lease loss provision to assets | 1.8271% | 153 |
| Net operating income to assets | -1.2103% | 6,909 |
| Return on assets (ROA) | -1.0321% | 6,896 |
| Pretax return on assets | -1.0066% | 6,866 |
| Return on Equity (ROE) | -18.0733% | 6,966 |
| Retained earnings to average equity (ytd only) | -18.0733% | 6,947 |
| Net charge-offs to loans | 3.2936% | 150 |
| Credit loss provision to net charge-offs | 79.3516% | 3,642 |
| Earnings coverage of net charge-offs (x) | 0.2789% | 5,190 |
| Efficiency ratio | 81.4762% | 1,871 |
| Assets per employee ($millions) | 5.3836% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4180% | 1,325 |
| Loan loss allowance to noncurrent loans | 48.4508% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 4.3481% | 1,075 |
| Noncurrent loans to loans | 4.9906% | 907 |
| Net loans and leases to total assets | 65.3566% | 2,766 |
| Net loans and leases to deposits | 100.8726% | 402 |
| Net loans and leases to core deposits | 106.2852% | 722 |
| Total domestic deposits to total assets | 64.7912% | 6,999 |
| Equity capital to assets | 5.5019% | 7,021 |
| Core capital (leverage) ratio | 5.1075% | 7,017 |
| Tier 1 risk-based capital ratio | 9.2312% | 6,923 |
| Total risk-based capital ratio | 10.5021% | 6,921 |
| Memoranda: | ||
| Average total assets | $784,121,500 | 849 |
| Average earning assets | $723,580,250 | 830 |
| Average equity | $44,779,500 | 1,571 |
| Average total loans | $548,164,000 | 759 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 2,445 |
| Cost of funding earning assets | 2.0198% | 31 |
| Net interest margin | 2.7960% | 6,583 |
| Noninterest income to average assets | 1.0193% | 1,406 |
| Noninterest expense to average assets | 2.8018% | 4,016 |
| Loan and lease loss provision to assets | 1.8420% | 170 |
| Net operating income to assets | -1.0846% | 6,933 |
| Return on assets (ROA) | -1.0846% | 6,950 |
| Pretax return on assets | -1.0463% | 6,908 |
| Return on Equity (ROE) | -18.7631% | 7,025 |
| Retained earnings to average equity (ytd only) | -18.7631% | 6,998 |
| Net charge-offs to loans | 3.7457% | 129 |
| Credit loss provision to net charge-offs | 69.3713% | 3,577 |
| Earnings coverage of net charge-offs (x) | 0.2997% | 4,930 |
| Efficiency ratio | 77.7833% | 2,490 |
| Assets per employee ($millions) | 5.0113% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3408% | 1,517 |
| Loan loss allowance to noncurrent loans | 37.2971% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 5.2176% | 892 |
| Noncurrent loans to loans | 6.2762% | 683 |
| Net loans and leases to total assets | 65.8481% | 2,704 |
| Net loans and leases to deposits | 102.1794% | 334 |
| Net loans and leases to core deposits | 108.7050% | 631 |
| Total domestic deposits to total assets | 64.4436% | 7,076 |
| Equity capital to assets | 5.6694% | 7,050 |
| Core capital (leverage) ratio | 5.3633% | 7,040 |
| Tier 1 risk-based capital ratio | 9.5267% | 6,923 |
| Total risk-based capital ratio | 10.7904% | 6,912 |
| Memoranda: | ||
| Average total assets | $783,494,670 | 847 |
| Average earning assets | $722,449,330 | 833 |
| Average equity | $45,291,000 | 1,541 |
| Average total loans | $555,407,670 | 755 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 2,477 |
| Cost of funding earning assets | 2.0851% | 30 |
| Net interest margin | 2.7571% | 6,705 |
| Noninterest income to average assets | 1.0699% | 1,261 |
| Noninterest expense to average assets | 2.6462% | 4,637 |
| Loan and lease loss provision to assets | 1.7722% | 181 |
| Net operating income to assets | -0.8042% | 6,954 |
| Return on assets (ROA) | -0.8042% | 6,971 |
| Pretax return on assets | -0.8042% | 6,934 |
| Return on Equity (ROE) | -13.7803% | 7,053 |
| Retained earnings to average equity (ytd only) | -13.7803% | 6,950 |
| Net charge-offs to loans | 3.8515% | 155 |
| Credit loss provision to net charge-offs | 63.3662% | 3,052 |
| Earnings coverage of net charge-offs (x) | 0.3461% | 4,190 |
| Efficiency ratio | 73.1198% | 3,238 |
| Assets per employee ($millions) | 4.6641% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4144% | 1,477 |
| Loan loss allowance to noncurrent loans | 32.3241% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 5.9250% | 801 |
| Noncurrent loans to loans | 7.4693% | 565 |
| Net loans and leases to total assets | 70.1371% | 1,730 |
| Net loans and leases to deposits | 109.1500% | 147 |
| Net loans and leases to core deposits | 113.9077% | 433 |
| Total domestic deposits to total assets | 64.2575% | 7,141 |
| Equity capital to assets | 5.8220% | 7,087 |
| Core capital (leverage) ratio | 5.7144% | 7,067 |
| Tier 1 risk-based capital ratio | 9.9106% | 6,898 |
| Total risk-based capital ratio | 11.1823% | 6,897 |
| Memoranda: | ||
| Average total assets | $784,357,000 | 848 |
| Average earning assets | $723,809,500 | 831 |
| Average equity | $45,775,500 | 1,518 |
| Average total loans | $569,551,500 | 732 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 2,198 |
| Cost of funding earning assets | 2.2717% | 46 |
| Net interest margin | 2.8942% | 6,700 |
| Noninterest income to average assets | 0.9044% | 1,657 |
| Noninterest expense to average assets | 3.2463% | 2,700 |
| Loan and lease loss provision to assets | 1.9087% | 331 |
| Net operating income to assets | -1.5257% | 6,913 |
| Return on assets (ROA) | -1.1100% | 6,817 |
| Pretax return on assets | -1.1746% | 6,803 |
| Return on Equity (ROE) | -17.8941% | 6,949 |
| Retained earnings to average equity (ytd only) | -17.8941% | 6,933 |
| Net charge-offs to loans | 2.5386% | 458 |
| Credit loss provision to net charge-offs | 102.3691% | 3,382 |
| Earnings coverage of net charge-offs (x) | 0.1565% | 5,719 |
| Efficiency ratio | 91.6538% | 1,068 |
| Assets per employee ($millions) | 4.6734% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 2,738 |
| Loan loss allowance to noncurrent loans | 26.5775% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 5.8235% | 863 |
| Noncurrent loans to loans | 6.9323% | 642 |
| Net loans and leases to total assets | 71.9937% | 1,646 |
| Net loans and leases to deposits | 111.4770% | 151 |
| Net loans and leases to core deposits | 119.6115% | 364 |
| Total domestic deposits to total assets | 64.5817% | 7,163 |
| Equity capital to assets | 5.8499% | 7,106 |
| Core capital (leverage) ratio | 5.8290% | 7,071 |
| Tier 1 risk-based capital ratio | 9.6519% | 6,926 |
| Total risk-based capital ratio | 10.9141% | 6,920 |
| Memoranda: | ||
| Average total assets | $805,956,800 | 816 |
| Average earning assets | $733,429,400 | 808 |
| Average equity | $49,994,200 | 1,364 |
| Average total loans | $591,935,400 | 705 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 2,148 |
| Cost of funding earning assets | 2.3028% | 48 |
| Net interest margin | 2.9126% | 6,734 |
| Noninterest income to average assets | 0.8665% | 1,767 |
| Noninterest expense to average assets | 3.2697% | 2,598 |
| Loan and lease loss provision to assets | 1.6760% | 375 |
| Net operating income to assets | -1.4368% | 7,027 |
| Return on assets (ROA) | -0.8742% | 6,872 |
| Pretax return on assets | -0.8742% | 6,820 |
| Return on Equity (ROE) | -13.9004% | 6,990 |
| Retained earnings to average equity (ytd only) | -13.9004% | 6,964 |
| Net charge-offs to loans | 2.3830% | 476 |
| Credit loss provision to net charge-offs | 95.7315% | 3,578 |
| Earnings coverage of net charge-offs (x) | 0.1366% | 5,505 |
| Efficiency ratio | 93.0853% | 966 |
| Assets per employee ($millions) | 4.4937% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 3,397 |
| Loan loss allowance to noncurrent loans | 24.8107% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 5.8872% | 920 |
| Noncurrent loans to loans | 6.7091% | 765 |
| Net loans and leases to total assets | 73.2474% | 1,462 |
| Net loans and leases to deposits | 113.7935% | 136 |
| Net loans and leases to core deposits | 126.5202% | 285 |
| Total domestic deposits to total assets | 64.3687% | 7,242 |
| Equity capital to assets | 6.3002% | 7,155 |
| Core capital (leverage) ratio | 6.2230% | 7,108 |
| Tier 1 risk-based capital ratio | 9.8218% | 6,998 |
| Total risk-based capital ratio | 11.0805% | 6,990 |
| Memoranda: | ||
| Average total assets | $809,993,000 | 815 |
| Average earning assets | $734,847,500 | 817 |
| Average equity | $50,942,000 | 1,344 |
| Average total loans | $595,097,250 | 711 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 2,228 |
| Cost of funding earning assets | 2.3227% | 54 |
| Net interest margin | 2.8854% | 6,815 |
| Noninterest income to average assets | 0.9555% | 1,446 |
| Noninterest expense to average assets | 3.3476% | 2,409 |
| Loan and lease loss provision to assets | 1.4145% | 514 |
| Net operating income to assets | -1.1874% | 7,002 |
| Return on assets (ROA) | -1.0105% | 6,953 |
| Pretax return on assets | -1.0105% | 6,896 |
| Return on Equity (ROE) | -16.0761% | 7,089 |
| Retained earnings to average equity (ytd only) | -16.0761% | 7,065 |
| Net charge-offs to loans | 2.1209% | 612 |
| Credit loss provision to net charge-offs | 91.1867% | 3,423 |
| Earnings coverage of net charge-offs (x) | 0.1464% | 5,192 |
| Efficiency ratio | 93.5526% | 1,007 |
| Assets per employee ($millions) | 4.7024% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 3,517 |
| Loan loss allowance to noncurrent loans | 27.6614% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 5.5021% | 1,076 |
| Noncurrent loans to loans | 5.9457% | 1,012 |
| Net loans and leases to total assets | 72.5635% | 1,671 |
| Net loans and leases to deposits | 116.4377% | 111 |
| Net loans and leases to core deposits | 127.9653% | 293 |
| Total domestic deposits to total assets | 62.3196% | 7,346 |
| Equity capital to assets | 6.6153% | 7,168 |
| Core capital (leverage) ratio | 6.3005% | 7,156 |
| Tier 1 risk-based capital ratio | 10.0439% | 6,957 |
| Total risk-based capital ratio | 11.3024% | 6,954 |
| Memoranda: | ||
| Average total assets | $814,862,330 | 822 |
| Average earning assets | $739,657,670 | 817 |
| Average equity | $51,219,000 | 1,313 |
| Average total loans | $595,976,000 | 721 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2241% | 2,143 |
| Cost of funding earning assets | 2.3534% | 55 |
| Net interest margin | 2.8708% | 6,800 |
| Noninterest income to average assets | 0.9519% | 1,460 |
| Noninterest expense to average assets | 3.5960% | 1,778 |
| Loan and lease loss provision to assets | 1.3640% | 490 |
| Net operating income to assets | -1.4025% | 7,166 |
| Return on assets (ROA) | -1.3386% | 7,154 |
| Pretax return on assets | -1.3386% | 7,111 |
| Return on Equity (ROE) | -21.8590% | 7,242 |
| Retained earnings to average equity (ytd only) | -21.8590% | 7,189 |
| Net charge-offs to loans | 2.0712% | 612 |
| Credit loss provision to net charge-offs | 90.4300% | 2,942 |
| Earnings coverage of net charge-offs (x) | -0.0255% | 4,597 |
| Efficiency ratio | 100.9870% | 707 |
| Assets per employee ($millions) | 4.3884% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7153% | 3,286 |
| Loan loss allowance to noncurrent loans | 35.2595% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 4.6348% | 1,387 |
| Noncurrent loans to loans | 4.8649% | 1,394 |
| Net loans and leases to total assets | 70.7102% | 1,978 |
| Net loans and leases to deposits | 111.9855% | 156 |
| Net loans and leases to core deposits | 122.9855% | 367 |
| Total domestic deposits to total assets | 63.1422% | 7,381 |
| Equity capital to assets | 6.5017% | 7,207 |
| Core capital (leverage) ratio | 6.2793% | 7,212 |
| Tier 1 risk-based capital ratio | 10.1817% | 6,934 |
| Total risk-based capital ratio | 11.4409% | 6,930 |
| Memoranda: | ||
| Average total assets | $820,235,500 | 822 |
| Average earning assets | $744,468,500 | 820 |
| Average equity | $50,231,000 | 1,325 |
| Average total loans | $597,338,000 | 724 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4763% | 2,372 |
| Cost of funding earning assets | 2.5716% | 82 |
| Net interest margin | 2.9047% | 6,885 |
| Noninterest income to average assets | 0.7392% | 2,597 |
| Noninterest expense to average assets | 2.6492% | 5,222 |
| Loan and lease loss provision to assets | 2.3899% | 483 |
| Net operating income to assets | -1.6436% | 6,954 |
| Return on assets (ROA) | -1.4665% | 6,920 |
| Pretax return on assets | -1.4665% | 6,846 |
| Return on Equity (ROE) | -24.2666% | 7,114 |
| Retained earnings to average equity (ytd only) | -24.2666% | 7,093 |
| Net charge-offs to loans | 3.1101% | 520 |
| Credit loss provision to net charge-offs | 109.8520% | 4,014 |
| Earnings coverage of net charge-offs (x) | 0.3430% | 5,761 |
| Efficiency ratio | 77.9299% | 2,717 |
| Assets per employee ($millions) | 4.5033% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 3,256 |
| Loan loss allowance to noncurrent loans | 39.5059% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 4.3508% | 1,533 |
| Noncurrent loans to loans | 4.2762% | 1,692 |
| Net loans and leases to total assets | 72.4434% | 1,999 |
| Net loans and leases to deposits | 112.5833% | 192 |
| Net loans and leases to core deposits | 128.0193% | 359 |
| Total domestic deposits to total assets | 64.3465% | 7,437 |
| Equity capital to assets | 5.7538% | 7,372 |
| Core capital (leverage) ratio | 5.5167% | 7,364 |
| Tier 1 risk-based capital ratio | 8.8030% | 7,274 |
| Total risk-based capital ratio | 10.0621% | 7,283 |
| Memoranda: | ||
| Average total assets | $888,333,600 | 758 |
| Average earning assets | $812,329,400 | 748 |
| Average equity | $53,682,800 | 1,245 |
| Average total loans | $621,389,000 | 714 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4531% | 2,633 |
| Cost of funding earning assets | 2.5971% | 100 |
| Net interest margin | 2.8561% | 7,071 |
| Noninterest income to average assets | 0.6437% | 3,162 |
| Noninterest expense to average assets | 2.5154% | 5,657 |
| Loan and lease loss provision to assets | 2.1117% | 545 |
| Net operating income to assets | -1.3676% | 7,058 |
| Return on assets (ROA) | -1.2567% | 7,034 |
| Pretax return on assets | -1.2567% | 6,961 |
| Return on Equity (ROE) | -20.5706% | 7,235 |
| Retained earnings to average equity (ytd only) | -20.5706% | 7,220 |
| Net charge-offs to loans | 2.9888% | 518 |
| Credit loss provision to net charge-offs | 102.2588% | 4,212 |
| Earnings coverage of net charge-offs (x) | 0.3603% | 5,668 |
| Efficiency ratio | 77.0764% | 2,756 |
| Assets per employee ($millions) | 5.4058% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,608 |
| Loan loss allowance to noncurrent loans | 44.1181% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.1823% | 2,258 |
| Noncurrent loans to loans | 3.1132% | 2,561 |
| Net loans and leases to total assets | 70.2572% | 2,676 |
| Net loans and leases to deposits | 109.5116% | 264 |
| Net loans and leases to core deposits | 123.6450% | 510 |
| Total domestic deposits to total assets | 64.1551% | 7,515 |
| Equity capital to assets | 6.0320% | 7,485 |
| Core capital (leverage) ratio | 5.6405% | 7,479 |
| Tier 1 risk-based capital ratio | 9.4202% | 7,273 |
| Total risk-based capital ratio | 10.6750% | 7,274 |
| Memoranda: | ||
| Average total assets | $903,264,000 | 744 |
| Average earning assets | $827,275,250 | 732 |
| Average equity | $55,184,250 | 1,211 |
| Average total loans | $624,088,750 | 712 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4726% | 2,645 |
| Cost of funding earning assets | 2.6271% | 117 |
| Net interest margin | 2.8455% | 7,087 |
| Noninterest income to average assets | 0.6344% | 3,098 |
| Noninterest expense to average assets | 2.4681% | 5,846 |
| Loan and lease loss provision to assets | 2.4731% | 465 |
| Net operating income to assets | -1.7012% | 7,217 |
| Return on assets (ROA) | -1.4480% | 7,143 |
| Pretax return on assets | -1.4480% | 7,060 |
| Return on Equity (ROE) | -23.6033% | 7,348 |
| Retained earnings to average equity (ytd only) | -23.6033% | 7,334 |
| Net charge-offs to loans | 3.7713% | 368 |
| Credit loss provision to net charge-offs | 95.8878% | 4,242 |
| Earnings coverage of net charge-offs (x) | 0.2993% | 5,428 |
| Efficiency ratio | 76.0787% | 3,064 |
| Assets per employee ($millions) | 5.5630% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 4,966 |
| Loan loss allowance to noncurrent loans | 38.9077% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 3.0756% | 2,312 |
| Noncurrent loans to loans | 3.3245% | 2,404 |
| Net loans and leases to total assets | 67.1396% | 3,588 |
| Net loans and leases to deposits | 104.7674% | 450 |
| Net loans and leases to core deposits | 122.1561% | 625 |
| Total domestic deposits to total assets | 64.0844% | 7,584 |
| Equity capital to assets | 6.1251% | 7,519 |
| Core capital (leverage) ratio | 5.7952% | 7,511 |
| Tier 1 risk-based capital ratio | 9.8753% | 7,094 |
| Total risk-based capital ratio | 11.1257% | 7,074 |
| Memoranda: | ||
| Average total assets | $907,030,330 | 740 |
| Average earning assets | $830,580,330 | 723 |
| Average equity | $55,644,670 | 1,185 |
| Average total loans | $620,319,330 | 724 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3585% | 3,249 |
| Cost of funding earning assets | 2.6521% | 142 |
| Net interest margin | 2.7064% | 7,292 |
| Noninterest income to average assets | 0.4791% | 4,205 |
| Noninterest expense to average assets | 2.4476% | 5,922 |
| Loan and lease loss provision to assets | 1.6361% | 702 |
| Net operating income to assets | -1.1271% | 7,181 |
| Return on assets (ROA) | -1.1601% | 7,215 |
| Pretax return on assets | -1.1592% | 7,127 |
| Return on Equity (ROE) | -18.8947% | 7,418 |
| Retained earnings to average equity (ytd only) | -18.8947% | 7,346 |
| Net charge-offs to loans | 2.6424% | 615 |
| Credit loss provision to net charge-offs | 90.2960% | 3,653 |
| Earnings coverage of net charge-offs (x) | 0.2814% | 4,793 |
| Efficiency ratio | 82.6546% | 2,182 |
| Assets per employee ($millions) | 5.6034% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,917 |
| Loan loss allowance to noncurrent loans | 26.6631% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 3.8412% | 1,809 |
| Noncurrent loans to loans | 4.8883% | 1,489 |
| Net loans and leases to total assets | 66.4257% | 3,768 |
| Net loans and leases to deposits | 103.4138% | 567 |
| Net loans and leases to core deposits | 121.9459% | 708 |
| Total domestic deposits to total assets | 64.2329% | 7,673 |
| Equity capital to assets | 6.0873% | 7,610 |
| Core capital (leverage) ratio | 5.8260% | 7,607 |
| Tier 1 risk-based capital ratio | 10.0368% | 7,003 |
| Total risk-based capital ratio | 11.2900% | 6,996 |
| Memoranda: | ||
| Average total assets | $909,946,000 | 752 |
| Average earning assets | $833,288,500 | 741 |
| Average equity | $55,867,500 | 1,191 |
| Average total loans | $623,984,000 | 737 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4877% | 4,209 |
| Cost of funding earning assets | 3.0508% | 201 |
| Net interest margin | 2.4369% | 7,483 |
| Noninterest income to average assets | 1.0094% | 1,539 |
| Noninterest expense to average assets | 2.6091% | 5,766 |
| Loan and lease loss provision to assets | 2.5770% | 760 |
| Net operating income to assets | -2.4652% | 7,257 |
| Return on assets (ROA) | -2.7614% | 7,355 |
| Pretax return on assets | -2.2443% | 7,038 |
| Return on Equity (ROE) | -38.8141% | 7,551 |
| Retained earnings to average equity (ytd only) | -38.8141% | 7,537 |
| Net charge-offs to loans | 3.2197% | 636 |
| Credit loss provision to net charge-offs | 111.3883% | 4,932 |
| Earnings coverage of net charge-offs (x) | 0.2718% | 5,842 |
| Efficiency ratio | 71.4747% | 4,357 |
| Assets per employee ($millions) | 5.6307% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,601 |
| Loan loss allowance to noncurrent loans | 28.0611% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 3.8618% | 1,724 |
| Noncurrent loans to loans | 4.7345% | 1,470 |
| Net loans and leases to total assets | 68.9261% | 3,506 |
| Net loans and leases to deposits | 111.9214% | 318 |
| Net loans and leases to core deposits | 130.1526% | 1,276 |
| Total domestic deposits to total assets | 61.5844% | 7,773 |
| Equity capital to assets | 6.1924% | 7,633 |
| Core capital (leverage) ratio | 6.1469% | 7,599 |
| Tier 1 risk-based capital ratio | 10.1826% | 6,701 |
| Total risk-based capital ratio | 11.4362% | 6,669 |
| Memoranda: | ||
| Average total assets | $965,184,800 | 694 |
| Average earning assets | $882,664,600 | 686 |
| Average equity | $68,668,400 | 956 |
| Average total loans | $693,533,000 | 673 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 4,433 |
| Cost of funding earning assets | 3.0932% | 249 |
| Net interest margin | 2.4046% | 7,558 |
| Noninterest income to average assets | 0.6096% | 3,623 |
| Noninterest expense to average assets | 2.7010% | 5,322 |
| Loan and lease loss provision to assets | 2.5387% | 649 |
| Net operating income to assets | -2.3176% | 7,413 |
| Return on assets (ROA) | -2.4636% | 7,455 |
| Pretax return on assets | -2.5851% | 7,378 |
| Return on Equity (ROE) | -33.6196% | 7,675 |
| Retained earnings to average equity (ytd only) | -33.6196% | 7,668 |
| Net charge-offs to loans | 2.9690% | 567 |
| Credit loss provision to net charge-offs | 118.2394% | 4,295 |
| Earnings coverage of net charge-offs (x) | 0.0499% | 6,002 |
| Efficiency ratio | 82.4305% | 2,518 |
| Assets per employee ($millions) | 5.7370% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,403 |
| Loan loss allowance to noncurrent loans | 24.8360% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 4.0510% | 1,569 |
| Noncurrent loans to loans | 5.2967% | 1,204 |
| Net loans and leases to total assets | 69.3102% | 3,652 |
| Net loans and leases to deposits | 108.5989% | 515 |
| Net loans and leases to core deposits | 127.0734% | 1,648 |
| Total domestic deposits to total assets | 63.8222% | 7,773 |
| Equity capital to assets | 6.6435% | 7,724 |
| Core capital (leverage) ratio | 6.3802% | 7,713 |
| Tier 1 risk-based capital ratio | 10.3844% | 6,589 |
| Total risk-based capital ratio | 11.6376% | 6,523 |
| Memoranda: | ||
| Average total assets | $979,847,250 | 695 |
| Average earning assets | $895,923,500 | 687 |
| Average equity | $71,801,500 | 926 |
| Average total loans | $708,603,250 | 673 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4807% | 4,731 |
| Cost of funding earning assets | 3.1319% | 319 |
| Net interest margin | 2.3488% | 7,629 |
| Noninterest income to average assets | 0.4822% | 4,606 |
| Noninterest expense to average assets | 2.3199% | 6,708 |
| Loan and lease loss provision to assets | 2.4234% | 655 |
| Net operating income to assets | -1.3806% | 7,194 |
| Return on assets (ROA) | -1.5105% | 7,252 |
| Pretax return on assets | -2.3164% | 7,376 |
| Return on Equity (ROE) | -20.0180% | 7,502 |
| Retained earnings to average equity (ytd only) | -20.0180% | 7,454 |
| Net charge-offs to loans | 3.1616% | 513 |
| Credit loss provision to net charge-offs | 105.0297% | 4,379 |
| Earnings coverage of net charge-offs (x) | 0.1330% | 5,535 |
| Efficiency ratio | 88.1743% | 1,995 |
| Assets per employee ($millions) | 5.6327% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 6,658 |
| Loan loss allowance to noncurrent loans | 17.4126% | 7,258 |
| Noncurrent assets plus other real estate owned to assets | 4.1766% | 1,384 |
| Noncurrent loans to loans | 5.3297% | 1,112 |
| Net loans and leases to total assets | 69.7781% | 3,759 |
| Net loans and leases to deposits | 108.7034% | 617 |
| Net loans and leases to core deposits | 127.7240% | 1,729 |
| Total domestic deposits to total assets | 64.1913% | 7,821 |
| Equity capital to assets | 7.4063% | 7,347 |
| Core capital (leverage) ratio | 6.3926% | 7,837 |
| Tier 1 risk-based capital ratio | 10.3125% | 6,580 |
| Total risk-based capital ratio | 11.3785% | 6,719 |
| Memoranda: | ||
| Average total assets | $990,925,330 | 703 |
| Average earning assets | $904,704,000 | 695 |
| Average equity | $74,772,670 | 887 |
| Average total loans | $723,189,330 | 681 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 4,429 |
| Cost of funding earning assets | 3.1838% | 361 |
| Net interest margin | 2.4044% | 7,606 |
| Noninterest income to average assets | 0.3426% | 5,713 |
| Noninterest expense to average assets | 2.0662% | 7,198 |
| Loan and lease loss provision to assets | 2.3399% | 502 |
| Net operating income to assets | -1.2065% | 7,361 |
| Return on assets (ROA) | -1.1965% | 7,377 |
| Pretax return on assets | -1.8435% | 7,483 |
| Return on Equity (ROE) | -15.7131% | 7,637 |
| Retained earnings to average equity (ytd only) | -15.7131% | 7,477 |
| Net charge-offs to loans | 2.0709% | 696 |
| Credit loss provision to net charge-offs | 152.1864% | 2,739 |
| Earnings coverage of net charge-offs (x) | 0.3129% | 4,726 |
| Efficiency ratio | 80.9546% | 2,680 |
| Assets per employee ($millions) | 5.7459% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 5,587 |
| Loan loss allowance to noncurrent loans | 26.9644% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 3.2028% | 1,732 |
| Noncurrent loans to loans | 4.0196% | 1,494 |
| Net loans and leases to total assets | 72.1800% | 3,204 |
| Net loans and leases to deposits | 112.5484% | 496 |
| Net loans and leases to core deposits | 132.8064% | 1,485 |
| Total domestic deposits to total assets | 64.1324% | 7,838 |
| Equity capital to assets | 7.4649% | 7,378 |
| Core capital (leverage) ratio | 6.5957% | 7,839 |
| Tier 1 risk-based capital ratio | 10.1261% | 6,781 |
| Total risk-based capital ratio | 11.3520% | 6,721 |
| Memoranda: | ||
| Average total assets | $993,530,000 | 698 |
| Average earning assets | $910,981,500 | 692 |
| Average equity | $75,656,500 | 881 |
| Average total loans | $737,655,500 | 667 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1594% | 4,730 |
| Cost of funding earning assets | 3.5993% | 391 |
| Net interest margin | 2.5601% | 7,684 |
| Noninterest income to average assets | 0.9884% | 1,614 |
| Noninterest expense to average assets | 2.5866% | 5,701 |
| Loan and lease loss provision to assets | 1.4466% | 947 |
| Net operating income to assets | -0.3319% | 6,758 |
| Return on assets (ROA) | -0.2883% | 6,580 |
| Pretax return on assets | -0.6156% | 6,751 |
| Return on Equity (ROE) | -3.7322% | 6,708 |
| Retained earnings to average equity (ytd only) | -3.7322% | 6,267 |
| Net charge-offs to loans | 1.6770% | 664 |
| Credit loss provision to net charge-offs | 114.1957% | 4,730 |
| Earnings coverage of net charge-offs (x) | 0.6022% | 5,863 |
| Efficiency ratio | 77.1100% | 3,059 |
| Assets per employee ($millions) | 7.0426% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 7,081 |
| Loan loss allowance to noncurrent loans | 26.6086% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 2.6238% | 1,824 |
| Noncurrent loans to loans | 3.0298% | 1,768 |
| Net loans and leases to total assets | 74.9134% | 2,897 |
| Net loans and leases to deposits | 118.7188% | 422 |
| Net loans and leases to core deposits | 141.6330% | 1,179 |
| Total domestic deposits to total assets | 63.1016% | 7,833 |
| Equity capital to assets | 7.7651% | 7,137 |
| Core capital (leverage) ratio | 7.0847% | 7,628 |
| Tier 1 risk-based capital ratio | 10.2064% | 6,510 |
| Total risk-based capital ratio | 11.0901% | 6,797 |
| Memoranda: | ||
| Average total assets | $964,267,600 | 684 |
| Average earning assets | $889,302,800 | 674 |
| Average equity | $74,486,800 | 891 |
| Average total loans | $728,400,000 | 659 |