Home > Audubon Savings Bank > Performance and Condition Ratios
Audubon Savings Bank, Performance and Condition Ratios
| 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 | 3.8634% | 4,178 |
| Cost of funding earning assets | 1.0575% | 352 |
| Net interest margin | 2.8059% | 5,111 |
| Noninterest income to average assets | 0.3084% | 4,106 |
| Noninterest expense to average assets | 3.6997% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.8825% | 5,467 |
| Return on assets (ROA) | -0.8825% | 5,462 |
| Pretax return on assets | -0.8916% | 5,461 |
| Return on Equity (ROE) | -13.4457% | 5,490 |
| Retained earnings to average equity (ytd only) | -13.4457% | 5,456 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7490% | 49 |
| Assets per employee ($millions) | 5.0002% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,479 |
| Loan loss allowance to noncurrent loans | 565.4412% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 4,559 |
| Noncurrent loans to loans | 0.1537% | 4,214 |
| Net loans and leases to total assets | 58.4563% | 3,956 |
| Net loans and leases to deposits | 81.0133% | 2,852 |
| Net loans and leases to core deposits | 81.6751% | 3,271 |
| Total domestic deposits to total assets | 72.1564% | 5,173 |
| Equity capital to assets | 6.1138% | 5,504 |
| Core capital (leverage) ratio | 6.9646% | 5,487 |
| Tier 1 risk-based capital ratio | 12.4086% | 4,239 |
| Total risk-based capital ratio | 13.2930% | 4,343 |
| Memoranda: | ||
| Average total assets | $154,335,330 | 3,388 |
| Average earning assets | $137,496,000 | 3,449 |
| Average equity | $10,129,670 | 4,363 |
| Average total loans | $89,701,330 | 3,524 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 4,161 |
| Cost of funding earning assets | 1.0444% | 301 |
| Net interest margin | 2.7754% | 5,182 |
| Noninterest income to average assets | 0.3067% | 4,111 |
| Noninterest expense to average assets | 2.9291% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.1431% | 5,433 |
| Return on assets (ROA) | -0.1431% | 5,429 |
| Pretax return on assets | -0.1431% | 5,425 |
| Return on Equity (ROE) | -2.1114% | 5,452 |
| Retained earnings to average equity (ytd only) | -2.1114% | 5,019 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1376% | 131 |
| Assets per employee ($millions) | 5.2212% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 4,615 |
| Loan loss allowance to noncurrent loans | 96.4868% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,829 |
| Noncurrent loans to loans | 0.8882% | 2,052 |
| Net loans and leases to total assets | 56.7976% | 4,047 |
| Net loans and leases to deposits | 78.3027% | 2,989 |
| Net loans and leases to core deposits | 78.9090% | 3,412 |
| Total domestic deposits to total assets | 72.5359% | 5,248 |
| Equity capital to assets | 6.6945% | 5,533 |
| Core capital (leverage) ratio | 7.2572% | 5,529 |
| Tier 1 risk-based capital ratio | 12.9888% | 3,951 |
| Total risk-based capital ratio | 13.8639% | 4,070 |
| Memoranda: | ||
| Average total assets | $156,500,000 | 3,399 |
| Average earning assets | $139,799,500 | 3,446 |
| Average equity | $10,609,000 | 4,336 |
| Average total loans | $90,323,500 | 3,537 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,028 |
| Cost of funding earning assets | 1.0457% | 170 |
| Net interest margin | 2.7620% | 5,217 |
| Noninterest income to average assets | 0.3113% | 4,231 |
| Noninterest expense to average assets | 2.8015% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.1050% | 5,420 |
| Return on assets (ROA) | -0.1050% | 5,422 |
| Pretax return on assets | -0.0148% | 5,443 |
| Return on Equity (ROE) | -1.5501% | 5,445 |
| Retained earnings to average equity (ytd only) | -1.5501% | 5,233 |
| Net charge-offs to loans | 0.0115% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -2.1818% | 4,054 |
| Efficiency ratio | 100.5320% | 166 |
| Assets per employee ($millions) | 5.2121% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,680 |
| Loan loss allowance to noncurrent loans | 483.6478% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 4,621 |
| Noncurrent loans to loans | 0.1749% | 4,221 |
| Net loans and leases to total assets | 57.6498% | 4,044 |
| Net loans and leases to deposits | 79.6858% | 2,952 |
| Net loans and leases to core deposits | 80.3034% | 3,395 |
| Total domestic deposits to total assets | 72.3464% | 5,303 |
| Equity capital to assets | 6.8635% | 5,590 |
| Core capital (leverage) ratio | 7.2244% | 5,586 |
| Tier 1 risk-based capital ratio | 12.8631% | 3,996 |
| Total risk-based capital ratio | 13.7255% | 4,121 |
| Memoranda: | ||
| Average total assets | $161,875,800 | 3,329 |
| Average earning assets | $145,076,400 | 3,384 |
| Average equity | $10,966,800 | 4,305 |
| Average total loans | $95,469,400 | 3,426 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 3,957 |
| Cost of funding earning assets | 1.0391% | 156 |
| Net interest margin | 2.7748% | 5,259 |
| Noninterest income to average assets | 0.3103% | 4,305 |
| Noninterest expense to average assets | 2.7311% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0645% | 5,472 |
| Return on assets (ROA) | 0.0645% | 5,478 |
| Pretax return on assets | 0.0678% | 5,478 |
| Return on Equity (ROE) | 0.9553% | 5,437 |
| Retained earnings to average equity (ytd only) | 0.9553% | 4,990 |
| Net charge-offs to loans | 0.0152% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 7.5433% | 2,865 |
| Efficiency ratio | 97.5781% | 209 |
| Assets per employee ($millions) | 5.2474% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 4,816 |
| Loan loss allowance to noncurrent loans | 338.7665% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 4,540 |
| Noncurrent loans to loans | 0.2447% | 4,075 |
| Net loans and leases to total assets | 58.4382% | 4,018 |
| Net loans and leases to deposits | 81.6027% | 2,818 |
| Net loans and leases to core deposits | 82.2440% | 3,265 |
| Total domestic deposits to total assets | 71.6131% | 5,402 |
| Equity capital to assets | 7.0861% | 5,658 |
| Core capital (leverage) ratio | 7.2260% | 5,651 |
| Tier 1 risk-based capital ratio | 12.7699% | 4,156 |
| Total risk-based capital ratio | 13.6167% | 4,305 |
| Memoranda: | ||
| Average total assets | $163,254,000 | 3,339 |
| Average earning assets | $146,411,250 | 3,393 |
| Average equity | $11,025,500 | 4,338 |
| Average total loans | $96,608,750 | 3,432 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 3,872 |
| Cost of funding earning assets | 1.0238% | 153 |
| Net interest margin | 2.7814% | 5,272 |
| Noninterest income to average assets | 0.3111% | 4,311 |
| Noninterest expense to average assets | 2.7034% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0739% | 5,514 |
| Return on assets (ROA) | 0.0739% | 5,517 |
| Pretax return on assets | 0.1041% | 5,509 |
| Return on Equity (ROE) | 1.1109% | 5,457 |
| Retained earnings to average equity (ytd only) | 1.1109% | 4,795 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2915% | 252 |
| Assets per employee ($millions) | 5.2862% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 4,944 |
| Loan loss allowance to noncurrent loans | 307.0866% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 4,413 |
| Noncurrent loans to loans | 0.2619% | 4,102 |
| Net loans and leases to total assets | 58.7004% | 3,954 |
| Net loans and leases to deposits | 82.6933% | 2,628 |
| Net loans and leases to core deposits | 83.3201% | 3,142 |
| Total domestic deposits to total assets | 70.9857% | 5,506 |
| Equity capital to assets | 6.7889% | 5,720 |
| Core capital (leverage) ratio | 7.0953% | 5,708 |
| Tier 1 risk-based capital ratio | 12.2875% | 4,435 |
| Total risk-based capital ratio | 13.1152% | 4,613 |
| Memoranda: | ||
| Average total assets | $165,198,330 | 3,337 |
| Average earning assets | $148,269,670 | 3,392 |
| Average equity | $10,982,330 | 4,361 |
| Average total loans | $97,890,670 | 3,431 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,752 |
| Cost of funding earning assets | 1.0180% | 153 |
| Net interest margin | 2.7882% | 5,267 |
| Noninterest income to average assets | 0.2894% | 4,482 |
| Noninterest expense to average assets | 2.7589% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0651% | 5,550 |
| Return on assets (ROA) | 0.0651% | 5,556 |
| Pretax return on assets | 0.0338% | 5,582 |
| Return on Equity (ROE) | 0.9898% | 5,497 |
| Retained earnings to average equity (ytd only) | 0.9898% | 4,665 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7910% | 246 |
| Assets per employee ($millions) | 5.2868% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 5,056 |
| Loan loss allowance to noncurrent loans | 238.5321% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,282 |
| Noncurrent loans to loans | 0.3366% | 3,897 |
| Net loans and leases to total assets | 58.7955% | 3,908 |
| Net loans and leases to deposits | 83.3881% | 2,355 |
| Net loans and leases to core deposits | 84.0324% | 2,896 |
| Total domestic deposits to total assets | 70.5083% | 5,613 |
| Equity capital to assets | 6.7051% | 5,784 |
| Core capital (leverage) ratio | 6.9220% | 5,771 |
| Tier 1 risk-based capital ratio | 12.1807% | 4,596 |
| Total risk-based capital ratio | 13.0037% | 4,784 |
| Memoranda: | ||
| Average total assets | $165,862,000 | 3,361 |
| Average earning assets | $148,912,500 | 3,414 |
| Average equity | $10,911,000 | 4,404 |
| Average total loans | $98,349,500 | 3,452 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 3,805 |
| Cost of funding earning assets | 1.2117% | 53 |
| Net interest margin | 2.6181% | 5,492 |
| Noninterest income to average assets | 0.2967% | 4,619 |
| Noninterest expense to average assets | 2.9394% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.4737% | 5,781 |
| Return on assets (ROA) | -0.2354% | 5,735 |
| Pretax return on assets | -0.0471% | 5,674 |
| Return on Equity (ROE) | -3.5651% | 5,769 |
| Retained earnings to average equity (ytd only) | -3.5651% | 5,615 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7525% | 120 |
| Assets per employee ($millions) | 5.2448% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 5,150 |
| Loan loss allowance to noncurrent loans | 185.2732% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 4,130 |
| Noncurrent loans to loans | 0.4229% | 3,625 |
| Net loans and leases to total assets | 58.8552% | 3,981 |
| Net loans and leases to deposits | 79.2470% | 2,971 |
| Net loans and leases to core deposits | 79.8117% | 3,407 |
| Total domestic deposits to total assets | 74.2680% | 5,420 |
| Equity capital to assets | 6.4546% | 5,838 |
| Core capital (leverage) ratio | 6.9106% | 5,818 |
| Tier 1 risk-based capital ratio | 11.9408% | 4,772 |
| Total risk-based capital ratio | 12.7495% | 4,957 |
| Memoranda: | ||
| Average total assets | $176,259,600 | 3,204 |
| Average earning assets | $158,705,800 | 3,260 |
| Average equity | $11,640,600 | 4,309 |
| Average total loans | $105,712,000 | 3,276 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 3,604 |
| Cost of funding earning assets | 1.2713% | 38 |
| Net interest margin | 2.6231% | 5,567 |
| Noninterest income to average assets | 0.2953% | 4,654 |
| Noninterest expense to average assets | 3.0648% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.6563% | 5,877 |
| Return on assets (ROA) | -0.3431% | 5,841 |
| Pretax return on assets | -0.0934% | 5,767 |
| Return on Equity (ROE) | -5.1677% | 5,866 |
| Retained earnings to average equity (ytd only) | -5.1677% | 5,742 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2981% | 99 |
| Assets per employee ($millions) | 5.1554% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 5,302 |
| Loan loss allowance to noncurrent loans | 246.0568% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,531 |
| Noncurrent loans to loans | 0.3088% | 4,143 |
| Net loans and leases to total assets | 61.7547% | 3,662 |
| Net loans and leases to deposits | 84.3005% | 2,453 |
| Net loans and leases to core deposits | 84.9174% | 3,042 |
| Total domestic deposits to total assets | 73.2555% | 5,501 |
| Equity capital to assets | 7.0630% | 5,884 |
| Core capital (leverage) ratio | 6.7733% | 5,896 |
| Tier 1 risk-based capital ratio | 11.8436% | 4,888 |
| Total risk-based capital ratio | 12.6488% | 5,052 |
| Memoranda: | ||
| Average total assets | $178,366,000 | 3,194 |
| Average earning assets | $160,669,750 | 3,243 |
| Average equity | $11,842,500 | 4,311 |
| Average total loans | $107,250,250 | 3,271 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 3,337 |
| Cost of funding earning assets | 1.3419% | 26 |
| Net interest margin | 2.6304% | 5,638 |
| Noninterest income to average assets | 0.3118% | 4,546 |
| Noninterest expense to average assets | 2.7720% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.5021% | 5,919 |
| Return on assets (ROA) | -0.4846% | 5,922 |
| Pretax return on assets | -0.0733% | 5,821 |
| Return on Equity (ROE) | -7.4416% | 5,956 |
| Retained earnings to average equity (ytd only) | -7.4416% | 5,828 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3864% | 198 |
| Assets per employee ($millions) | 5.6934% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 5,388 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 4,974 |
| Noncurrent loans to loans | 0.1512% | 4,832 |
| Net loans and leases to total assets | 58.0113% | 4,115 |
| Net loans and leases to deposits | 88.4859% | 1,920 |
| Net loans and leases to core deposits | 89.3757% | 2,595 |
| Total domestic deposits to total assets | 65.5599% | 5,900 |
| Equity capital to assets | 6.7991% | 5,978 |
| Core capital (leverage) ratio | 6.2649% | 5,994 |
| Tier 1 risk-based capital ratio | 11.2100% | 5,309 |
| Total risk-based capital ratio | 11.9710% | 5,489 |
| Memoranda: | ||
| Average total assets | $182,830,670 | 3,159 |
| Average earning assets | $164,692,330 | 3,214 |
| Average equity | $11,906,000 | 4,334 |
| Average total loans | $108,781,000 | 3,255 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 3,009 |
| Cost of funding earning assets | 1.3736% | 25 |
| Net interest margin | 2.6827% | 5,640 |
| Noninterest income to average assets | 0.3140% | 4,481 |
| Noninterest expense to average assets | 2.6344% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0968% | 5,686 |
| Return on assets (ROA) | 0.0925% | 5,736 |
| Pretax return on assets | 0.0903% | 5,746 |
| Return on Equity (ROE) | 1.4504% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.4504% | 4,687 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5327% | 385 |
| Assets per employee ($millions) | 5.9480% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 5,575 |
| Loan loss allowance to noncurrent loans | 76.1719% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 2,608 |
| Noncurrent loans to loans | 0.9313% | 2,521 |
| Net loans and leases to total assets | 59.2113% | 3,888 |
| Net loans and leases to deposits | 91.9951% | 1,345 |
| Net loans and leases to core deposits | 92.8929% | 2,098 |
| Total domestic deposits to total assets | 64.3635% | 5,993 |
| Equity capital to assets | 6.6149% | 6,034 |
| Core capital (leverage) ratio | 6.3857% | 6,043 |
| Tier 1 risk-based capital ratio | 10.8698% | 5,571 |
| Total risk-based capital ratio | 11.5834% | 5,741 |
| Memoranda: | ||
| Average total assets | $185,998,500 | 3,137 |
| Average earning assets | $167,446,000 | 3,180 |
| Average equity | $11,859,000 | 4,351 |
| Average total loans | $111,588,000 | 3,218 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 3,579 |
| Cost of funding earning assets | 1.4066% | 23 |
| Net interest margin | 2.5294% | 5,809 |
| Noninterest income to average assets | 0.2237% | 5,258 |
| Noninterest expense to average assets | 2.5037% | 4,214 |
| Loan and lease loss provision to assets | -0.0540% | 5,758 |
| Net operating income to assets | -0.1428% | 5,943 |
| Return on assets (ROA) | -0.0978% | 5,942 |
| Pretax return on assets | 0.1038% | 5,796 |
| Return on Equity (ROE) | -1.5456% | 5,960 |
| Retained earnings to average equity (ytd only) | -1.5456% | 5,717 |
| Net charge-offs to loans | 0.0584% | 3,047 |
| Credit loss provision to net charge-offs | -149.2537% | 5,228 |
| Earnings coverage of net charge-offs (x) | -0.5672% | 4,312 |
| Efficiency ratio | 100.8270% | 264 |
| Assets per employee ($millions) | 6.2537% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 5,652 |
| Loan loss allowance to noncurrent loans | 62.3501% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 2,041 |
| Noncurrent loans to loans | 1.1049% | 2,130 |
| Net loans and leases to total assets | 59.9318% | 3,848 |
| Net loans and leases to deposits | 93.9512% | 1,206 |
| Net loans and leases to core deposits | 94.8572% | 1,964 |
| Total domestic deposits to total assets | 63.7903% | 6,050 |
| Equity capital to assets | 6.1409% | 6,110 |
| Core capital (leverage) ratio | 6.3310% | 6,105 |
| Tier 1 risk-based capital ratio | 10.3722% | 5,832 |
| Total risk-based capital ratio | 11.0574% | 5,961 |
| Memoranda: | ||
| Average total assets | $185,048,400 | 3,116 |
| Average earning assets | $165,297,600 | 3,186 |
| Average equity | $11,711,000 | 4,353 |
| Average total loans | $114,704,400 | 3,127 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 3,539 |
| Cost of funding earning assets | 1.4105% | 24 |
| Net interest margin | 2.5406% | 5,885 |
| Noninterest income to average assets | 0.2053% | 5,420 |
| Noninterest expense to average assets | 2.5421% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2700% | 6,078 |
| Return on assets (ROA) | -0.2191% | 6,072 |
| Pretax return on assets | 0.0087% | 5,961 |
| Return on Equity (ROE) | -3.4357% | 6,112 |
| Retained earnings to average equity (ytd only) | -3.4357% | 5,960 |
| Net charge-offs to loans | 0.1900% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.5975% | 4,033 |
| Efficiency ratio | 102.8672% | 234 |
| Assets per employee ($millions) | 5.9331% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 5,772 |
| Loan loss allowance to noncurrent loans | 62.3904% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 1,825 |
| Noncurrent loans to loans | 1.0873% | 2,308 |
| Net loans and leases to total assets | 62.3325% | 3,559 |
| Net loans and leases to deposits | 99.2383% | 709 |
| Net loans and leases to core deposits | 99.9268% | 1,523 |
| Total domestic deposits to total assets | 62.8109% | 6,150 |
| Equity capital to assets | 6.3977% | 6,184 |
| Core capital (leverage) ratio | 6.3745% | 6,180 |
| Tier 1 risk-based capital ratio | 10.1112% | 6,006 |
| Total risk-based capital ratio | 10.7825% | 6,111 |
| Memoranda: | ||
| Average total assets | $184,408,000 | 3,147 |
| Average earning assets | $164,472,500 | 3,224 |
| Average equity | $11,758,500 | 4,398 |
| Average total loans | $115,076,000 | 3,149 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 3,375 |
| Cost of funding earning assets | 1.4055% | 25 |
| Net interest margin | 2.5748% | 5,905 |
| Noninterest income to average assets | 0.2761% | 4,975 |
| Noninterest expense to average assets | 2.5924% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0032% | 5,988 |
| Return on assets (ROA) | 0.0520% | 5,972 |
| Pretax return on assets | 0.0238% | 5,999 |
| Return on Equity (ROE) | 0.8082% | 5,927 |
| Retained earnings to average equity (ytd only) | 0.8082% | 5,235 |
| Net charge-offs to loans | 0.2853% | 923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.1402% | 3,723 |
| Efficiency ratio | 100.9701% | 302 |
| Assets per employee ($millions) | 5.8108% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 5,864 |
| Loan loss allowance to noncurrent loans | 75.1440% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.5843% | 1,529 |
| Noncurrent loans to loans | 0.8969% | 2,884 |
| Net loans and leases to total assets | 62.0619% | 3,538 |
| Net loans and leases to deposits | 102.0859% | 547 |
| Net loans and leases to core deposits | 102.5796% | 1,289 |
| Total domestic deposits to total assets | 60.7938% | 6,242 |
| Equity capital to assets | 6.3191% | 6,258 |
| Core capital (leverage) ratio | 6.4996% | 6,243 |
| Tier 1 risk-based capital ratio | 9.9497% | 6,105 |
| Total risk-based capital ratio | 10.6024% | 6,203 |
| Memoranda: | ||
| Average total assets | $184,691,670 | 3,169 |
| Average earning assets | $164,359,330 | 3,249 |
| Average equity | $11,878,670 | 4,405 |
| Average total loans | $114,958,670 | 3,169 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,322 |
| Cost of funding earning assets | 1.4050% | 23 |
| Net interest margin | 2.5685% | 5,952 |
| Noninterest income to average assets | 0.2803% | 4,936 |
| Noninterest expense to average assets | 2.6078% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0261% | 6,039 |
| Return on assets (ROA) | 0.0717% | 5,976 |
| Pretax return on assets | 0.0587% | 5,989 |
| Return on Equity (ROE) | 1.1052% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.1052% | 5,039 |
| Net charge-offs to loans | 0.4303% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.1463% | 3,123 |
| Efficiency ratio | 101.5228% | 331 |
| Assets per employee ($millions) | 5.9853% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 5,871 |
| Loan loss allowance to noncurrent loans | 49.5788% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.7128% | 1,461 |
| Noncurrent loans to loans | 1.4475% | 1,969 |
| Net loans and leases to total assets | 61.4388% | 3,461 |
| Net loans and leases to deposits | 97.4441% | 724 |
| Net loans and leases to core deposits | 97.6880% | 1,500 |
| Total domestic deposits to total assets | 63.0503% | 6,291 |
| Equity capital to assets | 6.5284% | 6,303 |
| Core capital (leverage) ratio | 6.5355% | 6,291 |
| Tier 1 risk-based capital ratio | 10.1023% | 6,140 |
| Total risk-based capital ratio | 10.7989% | 6,244 |
| Memoranda: | ||
| Average total assets | $184,065,000 | 3,187 |
| Average earning assets | $163,984,000 | 3,268 |
| Average equity | $11,943,000 | 4,422 |
| Average total loans | $114,346,000 | 3,191 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,038 |
| Cost of funding earning assets | 1.4583% | 33 |
| Net interest margin | 2.7141% | 5,918 |
| Noninterest income to average assets | 0.2855% | 5,078 |
| Noninterest expense to average assets | 3.1628% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.2648% | 6,227 |
| Return on assets (ROA) | -0.0687% | 6,143 |
| Pretax return on assets | -0.1605% | 6,171 |
| Return on Equity (ROE) | -1.1420% | 6,174 |
| Retained earnings to average equity (ytd only) | -1.1420% | 5,938 |
| Net charge-offs to loans | 0.1596% | 2,433 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -4.6524% | 4,886 |
| Efficiency ratio | 117.3203% | 142 |
| Assets per employee ($millions) | 5.8899% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 5,684 |
| Loan loss allowance to noncurrent loans | 46.1052% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.8490% | 1,404 |
| Noncurrent loans to loans | 1.8038% | 1,593 |
| Net loans and leases to total assets | 61.8476% | 3,523 |
| Net loans and leases to deposits | 98.7271% | 706 |
| Net loans and leases to core deposits | 98.9789% | 1,467 |
| Total domestic deposits to total assets | 62.6450% | 6,379 |
| Equity capital to assets | 6.4479% | 6,382 |
| Core capital (leverage) ratio | 6.2576% | 6,391 |
| Tier 1 risk-based capital ratio | 9.9116% | 6,279 |
| Total risk-based capital ratio | 10.7324% | 6,332 |
| Memoranda: | ||
| Average total assets | $186,319,600 | 3,145 |
| Average earning assets | $165,472,000 | 3,210 |
| Average equity | $11,208,400 | 4,523 |
| Average total loans | $117,156,000 | 3,095 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,980 |
| Cost of funding earning assets | 1.4605% | 34 |
| Net interest margin | 2.7422% | 5,950 |
| Noninterest income to average assets | 0.2848% | 5,165 |
| Noninterest expense to average assets | 3.3886% | 1,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3815% | 6,334 |
| Return on assets (ROA) | -0.1495% | 6,255 |
| Pretax return on assets | -0.3069% | 6,298 |
| Return on Equity (ROE) | -2.5299% | 6,302 |
| Retained earnings to average equity (ytd only) | -2.5299% | 6,112 |
| Net charge-offs to loans | 0.1921% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -5.5294% | 4,612 |
| Efficiency ratio | 124.6138% | 111 |
| Assets per employee ($millions) | 5.9037% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 5,771 |
| Loan loss allowance to noncurrent loans | 55.2436% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 1,705 |
| Noncurrent loans to loans | 1.5208% | 2,131 |
| Net loans and leases to total assets | 62.1676% | 3,461 |
| Net loans and leases to deposits | 99.3651% | 647 |
| Net loans and leases to core deposits | 100.1435% | 1,357 |
| Total domestic deposits to total assets | 62.5648% | 6,457 |
| Equity capital to assets | 6.1694% | 6,468 |
| Core capital (leverage) ratio | 6.1661% | 6,469 |
| Tier 1 risk-based capital ratio | 9.6549% | 6,415 |
| Total risk-based capital ratio | 10.4781% | 6,450 |
| Memoranda: | ||
| Average total assets | $187,253,000 | 3,165 |
| Average earning assets | $166,236,250 | 3,233 |
| Average equity | $11,067,250 | 4,581 |
| Average total loans | $117,977,000 | 3,098 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 2,915 |
| Cost of funding earning assets | 1.4638% | 33 |
| Net interest margin | 2.7461% | 5,995 |
| Noninterest income to average assets | 0.2608% | 5,329 |
| Noninterest expense to average assets | 3.7771% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6341% | 6,468 |
| Return on assets (ROA) | -0.2894% | 6,375 |
| Pretax return on assets | -0.5396% | 6,432 |
| Return on Equity (ROE) | -4.9669% | 6,435 |
| Retained earnings to average equity (ytd only) | -4.9669% | 6,235 |
| Net charge-offs to loans | 0.2856% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -5.9824% | 4,298 |
| Efficiency ratio | 139.9450% | 67 |
| Assets per employee ($millions) | 5.3350% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 5,908 |
| Loan loss allowance to noncurrent loans | 74.1538% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 2,205 |
| Noncurrent loans to loans | 1.1180% | 2,983 |
| Net loans and leases to total assets | 61.7584% | 3,444 |
| Net loans and leases to deposits | 96.9442% | 743 |
| Net loans and leases to core deposits | 97.3871% | 1,484 |
| Total domestic deposits to total assets | 63.7051% | 6,512 |
| Equity capital to assets | 6.0506% | 6,527 |
| Core capital (leverage) ratio | 6.0852% | 6,529 |
| Tier 1 risk-based capital ratio | 9.5711% | 6,487 |
| Total risk-based capital ratio | 10.3810% | 6,519 |
| Memoranda: | ||
| Average total assets | $188,665,670 | 3,167 |
| Average earning assets | $167,510,670 | 3,225 |
| Average equity | $10,992,670 | 4,611 |
| Average total loans | $119,056,000 | 3,082 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,743 |
| Cost of funding earning assets | 1.4887% | 34 |
| Net interest margin | 2.7468% | 6,037 |
| Noninterest income to average assets | 0.2784% | 5,139 |
| Noninterest expense to average assets | 4.7459% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2259% | 6,606 |
| Return on assets (ROA) | -0.5780% | 6,497 |
| Pretax return on assets | -1.0188% | 6,562 |
| Return on Equity (ROE) | -10.1107% | 6,563 |
| Retained earnings to average equity (ytd only) | -10.1107% | 6,364 |
| Net charge-offs to loans | 0.3122% | 1,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -10.2447% | 3,604 |
| Efficiency ratio | 174.8252% | 40 |
| Assets per employee ($millions) | 5.5205% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 5,932 |
| Loan loss allowance to noncurrent loans | 71.5268% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.6218% | 2,173 |
| Noncurrent loans to loans | 1.2281% | 2,995 |
| Net loans and leases to total assets | 62.5231% | 3,152 |
| Net loans and leases to deposits | 97.5917% | 568 |
| Net loans and leases to core deposits | 98.0344% | 1,235 |
| Total domestic deposits to total assets | 64.0660% | 6,584 |
| Equity capital to assets | 5.8333% | 6,583 |
| Core capital (leverage) ratio | 6.0300% | 6,584 |
| Tier 1 risk-based capital ratio | 9.3732% | 6,569 |
| Total risk-based capital ratio | 10.2311% | 6,593 |
| Memoranda: | ||
| Average total assets | $189,635,500 | 3,174 |
| Average earning assets | $168,196,000 | 3,237 |
| Average equity | $10,840,000 | 4,658 |
| Average total loans | $120,442,500 | 3,065 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 2,842 |
| Cost of funding earning assets | 1.6428% | 32 |
| Net interest margin | 2.6886% | 6,156 |
| Noninterest income to average assets | 0.3019% | 5,187 |
| Noninterest expense to average assets | 2.8707% | 3,459 |
| Loan and lease loss provision to assets | 0.0862% | 3,387 |
| Net operating income to assets | -0.1259% | 6,322 |
| Return on assets (ROA) | -0.1259% | 6,339 |
| Pretax return on assets | -0.2622% | 6,396 |
| Return on Equity (ROE) | -2.0491% | 6,383 |
| Retained earnings to average equity (ytd only) | -2.0491% | 6,181 |
| Net charge-offs to loans | 0.0356% | 4,733 |
| Credit loss provision to net charge-offs | 383.7209% | 593 |
| Earnings coverage of net charge-offs (x) | -7.8372% | 5,416 |
| Efficiency ratio | 106.5323% | 330 |
| Assets per employee ($millions) | 5.6345% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 5,837 |
| Loan loss allowance to noncurrent loans | 67.6208% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.6594% | 2,230 |
| Noncurrent loans to loans | 1.3691% | 2,848 |
| Net loans and leases to total assets | 63.3473% | 3,156 |
| Net loans and leases to deposits | 104.6569% | 301 |
| Net loans and leases to core deposits | 105.1511% | 842 |
| Total domestic deposits to total assets | 60.5286% | 6,710 |
| Equity capital to assets | 5.6015% | 6,649 |
| Core capital (leverage) ratio | 6.1609% | 6,636 |
| Tier 1 risk-based capital ratio | 9.3022% | 6,628 |
| Total risk-based capital ratio | 10.1957% | 6,656 |
| Memoranda: | ||
| Average total assets | $191,454,000 | 3,141 |
| Average earning assets | $170,383,200 | 3,218 |
| Average equity | $11,761,200 | 4,495 |
| Average total loans | $120,624,200 | 3,021 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 3,101 |
| Cost of funding earning assets | 1.6471% | 31 |
| Net interest margin | 2.6251% | 6,287 |
| Noninterest income to average assets | 0.2967% | 5,323 |
| Noninterest expense to average assets | 2.6572% | 4,167 |
| Loan and lease loss provision to assets | 0.0522% | 3,984 |
| Net operating income to assets | -0.0139% | 6,310 |
| Return on assets (ROA) | -0.0139% | 6,356 |
| Pretax return on assets | -0.0738% | 6,379 |
| Return on Equity (ROE) | -0.2219% | 6,361 |
| Retained earnings to average equity (ytd only) | -0.2219% | 5,982 |
| Net charge-offs to loans | 0.0344% | 4,448 |
| Credit loss provision to net charge-offs | 241.9355% | 1,020 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 5,011 |
| Efficiency ratio | 100.8192% | 438 |
| Assets per employee ($millions) | 5.4153% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,083 |
| Loan loss allowance to noncurrent loans | 36.7432% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 2.2033% | 1,805 |
| Noncurrent loans to loans | 2.4174% | 1,814 |
| Net loans and leases to total assets | 62.1692% | 3,329 |
| Net loans and leases to deposits | 101.8717% | 388 |
| Net loans and leases to core deposits | 102.3549% | 971 |
| Total domestic deposits to total assets | 61.0269% | 6,780 |
| Equity capital to assets | 5.9593% | 6,702 |
| Core capital (leverage) ratio | 6.3887% | 6,682 |
| Tier 1 risk-based capital ratio | 9.7560% | 6,645 |
| Total risk-based capital ratio | 10.6027% | 6,678 |
| Memoranda: | ||
| Average total assets | $191,424,000 | 3,161 |
| Average earning assets | $170,554,500 | 3,236 |
| Average equity | $12,018,750 | 4,489 |
| Average total loans | $120,157,500 | 3,055 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 3,064 |
| Cost of funding earning assets | 1.6545% | 35 |
| Net interest margin | 2.6189% | 6,312 |
| Noninterest income to average assets | 0.3374% | 4,979 |
| Noninterest expense to average assets | 2.6649% | 4,164 |
| Loan and lease loss provision to assets | 0.0583% | 3,838 |
| Net operating income to assets | -0.0021% | 6,305 |
| Return on assets (ROA) | -0.0021% | 6,369 |
| Pretax return on assets | -0.0500% | 6,395 |
| Return on Equity (ROE) | -0.0326% | 6,371 |
| Retained earnings to average equity (ytd only) | -0.0326% | 5,862 |
| Net charge-offs to loans | 0.0514% | 3,953 |
| Credit loss provision to net charge-offs | 180.6452% | 1,318 |
| Earnings coverage of net charge-offs (x) | 0.2581% | 4,461 |
| Efficiency ratio | 99.6884% | 494 |
| Assets per employee ($millions) | 5.6548% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,187 |
| Loan loss allowance to noncurrent loans | 42.0349% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 2.0404% | 2,117 |
| Noncurrent loans to loans | 2.0962% | 2,283 |
| Net loans and leases to total assets | 60.6718% | 3,544 |
| Net loans and leases to deposits | 98.8116% | 495 |
| Net loans and leases to core deposits | 99.2724% | 1,129 |
| Total domestic deposits to total assets | 61.4015% | 6,824 |
| Equity capital to assets | 6.0256% | 6,739 |
| Core capital (leverage) ratio | 6.3181% | 6,721 |
| Tier 1 risk-based capital ratio | 9.9299% | 6,648 |
| Total risk-based capital ratio | 10.7750% | 6,697 |
| Memoranda: | ||
| Average total assets | $192,053,330 | 3,167 |
| Average earning assets | $171,293,330 | 3,231 |
| Average equity | $12,260,000 | 4,472 |
| Average total loans | $120,580,330 | 3,062 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,783 |
| Cost of funding earning assets | 1.6902% | 31 |
| Net interest margin | 2.6357% | 6,320 |
| Noninterest income to average assets | 0.3418% | 4,960 |
| Noninterest expense to average assets | 2.8591% | 3,509 |
| Loan and lease loss provision to assets | 0.0521% | 3,751 |
| Net operating income to assets | -0.1084% | 6,451 |
| Return on assets (ROA) | -0.1084% | 6,500 |
| Pretax return on assets | -0.2167% | 6,555 |
| Return on Equity (ROE) | -1.6511% | 6,542 |
| Retained earnings to average equity (ytd only) | -1.6511% | 6,039 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1098% | 394 |
| Assets per employee ($millions) | 5.1747% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,353 |
| Loan loss allowance to noncurrent loans | 46.0275% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 1.9367% | 2,425 |
| Noncurrent loans to loans | 1.8626% | 2,783 |
| Net loans and leases to total assets | 62.6337% | 2,948 |
| Net loans and leases to deposits | 105.0630% | 210 |
| Net loans and leases to core deposits | 105.5708% | 654 |
| Total domestic deposits to total assets | 59.6154% | 6,918 |
| Equity capital to assets | 6.5349% | 6,786 |
| Core capital (leverage) ratio | 6.4337% | 6,755 |
| Tier 1 risk-based capital ratio | 9.9819% | 6,695 |
| Total risk-based capital ratio | 10.8147% | 6,739 |
| Memoranda: | ||
| Average total assets | $191,948,000 | 3,197 |
| Average earning assets | $171,337,500 | 3,264 |
| Average equity | $12,597,500 | 4,454 |
| Average total loans | $122,027,000 | 3,049 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6346% | 2,863 |
| Cost of funding earning assets | 1.8020% | 53 |
| Net interest margin | 2.8325% | 6,346 |
| Noninterest income to average assets | 0.2832% | 5,443 |
| Noninterest expense to average assets | 2.5053% | 5,076 |
| Loan and lease loss provision to assets | 0.4170% | 1,532 |
| Net operating income to assets | -0.0270% | 6,210 |
| Return on assets (ROA) | -0.0138% | 6,317 |
| Pretax return on assets | -0.0821% | 6,350 |
| Return on Equity (ROE) | -0.2133% | 6,327 |
| Retained earnings to average equity (ytd only) | -0.2133% | 5,889 |
| Net charge-offs to loans | 0.4043% | 2,636 |
| Credit loss provision to net charge-offs | 167.2840% | 1,587 |
| Earnings coverage of net charge-offs (x) | 1.2613% | 4,831 |
| Efficiency ratio | 88.8485% | 1,159 |
| Assets per employee ($millions) | 5.3453% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 6,443 |
| Loan loss allowance to noncurrent loans | 48.0532% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.8708% | 2,612 |
| Noncurrent loans to loans | 1.7109% | 3,049 |
| Net loans and leases to total assets | 63.4427% | 2,985 |
| Net loans and leases to deposits | 106.7989% | 207 |
| Net loans and leases to core deposits | 107.3153% | 639 |
| Total domestic deposits to total assets | 59.4038% | 6,977 |
| Equity capital to assets | 6.5909% | 6,833 |
| Core capital (leverage) ratio | 6.4739% | 6,800 |
| Tier 1 risk-based capital ratio | 9.9838% | 6,707 |
| Total risk-based capital ratio | 10.7933% | 6,782 |
| Memoranda: | ||
| Average total assets | $194,946,800 | 3,111 |
| Average earning assets | $174,580,000 | 3,167 |
| Average equity | $12,656,600 | 4,429 |
| Average total loans | $120,213,200 | 3,070 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 2,586 |
| Cost of funding earning assets | 1.8099% | 56 |
| Net interest margin | 2.9381% | 6,294 |
| Noninterest income to average assets | 0.2611% | 5,698 |
| Noninterest expense to average assets | 2.4133% | 5,356 |
| Loan and lease loss provision to assets | 0.5106% | 1,193 |
| Net operating income to assets | 0.0132% | 6,259 |
| Return on assets (ROA) | 0.0307% | 6,371 |
| Pretax return on assets | -0.0027% | 6,395 |
| Return on Equity (ROE) | 0.4743% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.4743% | 5,946 |
| Net charge-offs to loans | 0.5423% | 1,976 |
| Credit loss provision to net charge-offs | 154.1152% | 1,830 |
| Earnings coverage of net charge-offs (x) | 1.4506% | 4,563 |
| Efficiency ratio | 83.3922% | 1,657 |
| Assets per employee ($millions) | 6.3499% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 6,573 |
| Loan loss allowance to noncurrent loans | 61.9608% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.6000% | 3,198 |
| Noncurrent loans to loans | 1.3102% | 3,853 |
| Net loans and leases to total assets | 60.8046% | 3,608 |
| Net loans and leases to deposits | 102.6397% | 324 |
| Net loans and leases to core deposits | 103.1424% | 925 |
| Total domestic deposits to total assets | 59.2408% | 7,075 |
| Equity capital to assets | 6.7219% | 6,916 |
| Core capital (leverage) ratio | 6.5677% | 6,874 |
| Tier 1 risk-based capital ratio | 10.7355% | 6,593 |
| Total risk-based capital ratio | 11.5462% | 6,705 |
| Memoranda: | ||
| Average total assets | $195,575,500 | 3,133 |
| Average earning assets | $175,255,000 | 3,193 |
| Average equity | $12,650,000 | 4,472 |
| Average total loans | $119,492,500 | 3,122 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 2,354 |
| Cost of funding earning assets | 1.8305% | 61 |
| Net interest margin | 3.0056% | 6,229 |
| Noninterest income to average assets | 0.2940% | 5,450 |
| Noninterest expense to average assets | 2.3927% | 5,483 |
| Loan and lease loss provision to assets | 0.5242% | 1,194 |
| Net operating income to assets | 0.0760% | 6,216 |
| Return on assets (ROA) | 0.0760% | 6,354 |
| Pretax return on assets | 0.0740% | 6,360 |
| Return on Equity (ROE) | 1.1906% | 6,265 |
| Retained earnings to average equity (ytd only) | 1.1906% | 5,598 |
| Net charge-offs to loans | 0.4651% | 2,207 |
| Credit loss provision to net charge-offs | 184.6429% | 1,536 |
| Earnings coverage of net charge-offs (x) | 2.1071% | 3,932 |
| Efficiency ratio | 80.0000% | 2,175 |
| Assets per employee ($millions) | 7.0920% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 6,702 |
| Loan loss allowance to noncurrent loans | 60.7378% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5855% | 3,337 |
| Noncurrent loans to loans | 1.2966% | 3,982 |
| Net loans and leases to total assets | 60.6601% | 3,691 |
| Net loans and leases to deposits | 101.8582% | 348 |
| Net loans and leases to core deposits | 102.3527% | 957 |
| Total domestic deposits to total assets | 59.5535% | 7,137 |
| Equity capital to assets | 6.6386% | 6,965 |
| Core capital (leverage) ratio | 6.4932% | 6,933 |
| Tier 1 risk-based capital ratio | 10.3454% | 6,745 |
| Total risk-based capital ratio | 11.1033% | 6,853 |
| Memoranda: | ||
| Average total assets | $197,268,330 | 3,121 |
| Average earning assets | $177,000,330 | 3,177 |
| Average equity | $12,598,330 | 4,479 |
| Average total loans | $120,397,000 | 3,126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 2,744 |
| Cost of funding earning assets | 1.8662% | 66 |
| Net interest margin | 2.9072% | 6,476 |
| Noninterest income to average assets | 0.2018% | 6,179 |
| Noninterest expense to average assets | 2.7078% | 4,393 |
| Loan and lease loss provision to assets | 0.2238% | 2,708 |
| Net operating income to assets | -0.0400% | 6,471 |
| Return on assets (ROA) | -0.0400% | 6,568 |
| Pretax return on assets | -0.1179% | 6,608 |
| Return on Equity (ROE) | -0.6379% | 6,594 |
| Retained earnings to average equity (ytd only) | -0.6379% | 6,096 |
| Net charge-offs to loans | 0.9176% | 1,120 |
| Credit loss provision to net charge-offs | 40.0000% | 3,449 |
| Earnings coverage of net charge-offs (x) | 0.1893% | 4,274 |
| Efficiency ratio | 96.2358% | 707 |
| Assets per employee ($millions) | 7.2901% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4238% | 7,119 |
| Loan loss allowance to noncurrent loans | 40.8051% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4149% | 3,747 |
| Noncurrent loans to loans | 1.0386% | 4,610 |
| Net loans and leases to total assets | 61.7125% | 3,314 |
| Net loans and leases to deposits | 101.5788% | 322 |
| Net loans and leases to core deposits | 102.2733% | 851 |
| Total domestic deposits to total assets | 60.7533% | 7,188 |
| Equity capital to assets | 6.3475% | 7,037 |
| Core capital (leverage) ratio | 6.1970% | 7,016 |
| Tier 1 risk-based capital ratio | 10.0273% | 6,871 |
| Total risk-based capital ratio | 10.4424% | 7,013 |
| Memoranda: | ||
| Average total assets | $200,160,000 | 3,100 |
| Average earning assets | $179,826,500 | 3,149 |
| Average equity | $12,541,500 | 4,500 |
| Average total loans | $122,057,000 | 3,104 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 2,268 |
| Cost of funding earning assets | 2.0775% | 71 |
| Net interest margin | 3.0674% | 6,411 |
| Noninterest income to average assets | 0.2169% | 5,968 |
| Noninterest expense to average assets | 2.6969% | 4,757 |
| Loan and lease loss provision to assets | 0.2078% | 4,108 |
| Net operating income to assets | 0.0714% | 5,925 |
| Return on assets (ROA) | 0.0714% | 6,038 |
| Pretax return on assets | 0.0699% | 6,015 |
| Return on Equity (ROE) | 1.1963% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.1963% | 5,293 |
| Net charge-offs to loans | 0.3111% | 3,844 |
| Credit loss provision to net charge-offs | 109.1139% | 3,077 |
| Earnings coverage of net charge-offs (x) | 1.4582% | 4,677 |
| Efficiency ratio | 90.6645% | 1,140 |
| Assets per employee ($millions) | 7.0168% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5609% | 7,052 |
| Loan loss allowance to noncurrent loans | 43.0006% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 3,719 |
| Noncurrent loans to loans | 1.3044% | 4,198 |
| Net loans and leases to total assets | 59.6802% | 4,047 |
| Net loans and leases to deposits | 96.7843% | 638 |
| Net loans and leases to core deposits | 97.4147% | 1,378 |
| Total domestic deposits to total assets | 61.6631% | 7,209 |
| Equity capital to assets | 6.1866% | 7,079 |
| Core capital (leverage) ratio | 6.0970% | 7,046 |
| Tier 1 risk-based capital ratio | 10.0816% | 6,835 |
| Total risk-based capital ratio | 10.6338% | 6,977 |
| Memoranda: | ||
| Average total assets | $207,422,000 | 2,976 |
| Average earning assets | $186,477,400 | 3,013 |
| Average equity | $12,371,000 | 4,463 |
| Average total loans | $126,979,400 | 3,037 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2011% | 2,207 |
| Cost of funding earning assets | 2.1236% | 72 |
| Net interest margin | 3.0775% | 6,436 |
| Noninterest income to average assets | 0.2041% | 6,146 |
| Noninterest expense to average assets | 2.7574% | 4,509 |
| Loan and lease loss provision to assets | 0.2373% | 3,637 |
| Net operating income to assets | 0.0147% | 6,135 |
| Return on assets (ROA) | 0.0147% | 6,234 |
| Pretax return on assets | -0.0249% | 6,256 |
| Return on Equity (ROE) | 0.2490% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.2490% | 5,880 |
| Net charge-offs to loans | 0.3879% | 3,176 |
| Credit loss provision to net charge-offs | 99.4638% | 3,439 |
| Earnings coverage of net charge-offs (x) | 0.8901% | 4,954 |
| Efficiency ratio | 92.8479% | 979 |
| Assets per employee ($millions) | 5.5452% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 7,158 |
| Loan loss allowance to noncurrent loans | 28.8128% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 1.7965% | 3,400 |
| Noncurrent loans to loans | 1.7862% | 3,654 |
| Net loans and leases to total assets | 61.0521% | 3,932 |
| Net loans and leases to deposits | 98.3095% | 562 |
| Net loans and leases to core deposits | 99.1413% | 1,321 |
| Total domestic deposits to total assets | 62.1019% | 7,272 |
| Equity capital to assets | 6.0549% | 7,180 |
| Core capital (leverage) ratio | 6.0107% | 7,139 |
| Tier 1 risk-based capital ratio | 9.5390% | 7,048 |
| Total risk-based capital ratio | 10.0382% | 7,140 |
| Memoranda: | ||
| Average total assets | $208,405,500 | 2,978 |
| Average earning assets | $187,289,250 | 3,009 |
| Average equity | $12,316,500 | 4,487 |
| Average total loans | $128,192,500 | 3,042 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 2,160 |
| Cost of funding earning assets | 2.1448% | 85 |
| Net interest margin | 3.0818% | 6,447 |
| Noninterest income to average assets | 0.1938% | 6,281 |
| Noninterest expense to average assets | 2.8394% | 4,273 |
| Loan and lease loss provision to assets | 0.2960% | 3,033 |
| Net operating income to assets | -0.0745% | 6,321 |
| Return on assets (ROA) | -0.0745% | 6,378 |
| Pretax return on assets | -0.1719% | 6,430 |
| Return on Equity (ROE) | -1.2703% | 6,439 |
| Retained earnings to average equity (ytd only) | -1.2703% | 6,111 |
| Net charge-offs to loans | 0.5676% | 2,408 |
| Credit loss provision to net charge-offs | 84.6995% | 3,630 |
| Earnings coverage of net charge-offs (x) | 0.3552% | 5,037 |
| Efficiency ratio | 95.8119% | 889 |
| Assets per employee ($millions) | 5.4192% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4576% | 7,253 |
| Loan loss allowance to noncurrent loans | 24.9475% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 2.1240% | 3,080 |
| Noncurrent loans to loans | 1.8344% | 3,702 |
| Net loans and leases to total assets | 62.7395% | 3,728 |
| Net loans and leases to deposits | 100.4908% | 470 |
| Net loans and leases to core deposits | 101.5396% | 1,208 |
| Total domestic deposits to total assets | 62.4330% | 7,344 |
| Equity capital to assets | 5.9394% | 7,251 |
| Core capital (leverage) ratio | 5.8946% | 7,213 |
| Tier 1 risk-based capital ratio | 9.0551% | 7,171 |
| Total risk-based capital ratio | 9.4930% | 7,234 |
| Memoranda: | ||
| Average total assets | $209,482,670 | 2,982 |
| Average earning assets | $188,265,000 | 3,020 |
| Average equity | $12,281,000 | 4,483 |
| Average total loans | $128,953,000 | 3,057 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2555% | 2,024 |
| Cost of funding earning assets | 2.1430% | 103 |
| Net interest margin | 3.1125% | 6,316 |
| Noninterest income to average assets | 0.1856% | 6,396 |
| Noninterest expense to average assets | 2.6072% | 5,195 |
| Loan and lease loss provision to assets | 0.0341% | 5,549 |
| Net operating income to assets | 0.2367% | 5,661 |
| Return on assets (ROA) | 0.2367% | 5,728 |
| Pretax return on assets | 0.3465% | 5,519 |
| Return on Equity (ROE) | 4.0631% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.0631% | 3,719 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2624% | 1,595 |
| Assets per employee ($millions) | 5.4787% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5200% | 7,268 |
| Loan loss allowance to noncurrent loans | 21.4791% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 2.1005% | 3,192 |
| Noncurrent loans to loans | 2.4209% | 3,070 |
| Net loans and leases to total assets | 61.3838% | 3,992 |
| Net loans and leases to deposits | 97.8432% | 580 |
| Net loans and leases to core deposits | 99.8718% | 1,351 |
| Total domestic deposits to total assets | 62.7369% | 7,389 |
| Equity capital to assets | 5.9306% | 7,293 |
| Core capital (leverage) ratio | 5.9462% | 7,262 |
| Tier 1 risk-based capital ratio | 9.3332% | 7,180 |
| Total risk-based capital ratio | 9.8326% | 7,263 |
| Memoranda: | ||
| Average total assets | $211,258,500 | 2,975 |
| Average earning assets | $190,202,500 | 3,010 |
| Average equity | $12,306,000 | 4,482 |
| Average total loans | $128,532,500 | 3,092 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 3,816 |
| Cost of funding earning assets | 2.5035% | 103 |
| Net interest margin | 2.6534% | 7,168 |
| Noninterest income to average assets | 0.1504% | 6,638 |
| Noninterest expense to average assets | 2.2855% | 6,398 |
| Loan and lease loss provision to assets | 0.0881% | 6,270 |
| Net operating income to assets | 0.1279% | 5,519 |
| Return on assets (ROA) | 0.1279% | 5,658 |
| Pretax return on assets | 0.1659% | 5,563 |
| Return on Equity (ROE) | 2.2338% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.2338% | 4,318 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9982% | 1,326 |
| Assets per employee ($millions) | 5.7926% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5054% | 7,352 |
| Loan loss allowance to noncurrent loans | 25.5102% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 1.7772% | 3,651 |
| Noncurrent loans to loans | 1.9813% | 3,595 |
| Net loans and leases to total assets | 59.6994% | 4,726 |
| Net loans and leases to deposits | 93.2731% | 1,120 |
| Net loans and leases to core deposits | 95.6758% | 2,048 |
| Total domestic deposits to total assets | 64.0050% | 7,444 |
| Equity capital to assets | 5.7226% | 7,376 |
| Core capital (leverage) ratio | 5.7271% | 7,342 |
| Tier 1 risk-based capital ratio | 9.3029% | 7,183 |
| Total risk-based capital ratio | 9.7921% | 7,307 |
| Memoranda: | ||
| Average total assets | $213,384,200 | 2,945 |
| Average earning assets | $192,130,200 | 2,971 |
| Average equity | $12,221,200 | 4,548 |
| Average total loans | $118,538,400 | 3,342 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 4,001 |
| Cost of funding earning assets | 2.5686% | 110 |
| Net interest margin | 2.5991% | 7,316 |
| Noninterest income to average assets | 0.1482% | 6,801 |
| Noninterest expense to average assets | 2.3188% | 6,260 |
| Loan and lease loss provision to assets | 0.0281% | 6,787 |
| Net operating income to assets | 0.1126% | 5,740 |
| Return on assets (ROA) | 0.1126% | 5,897 |
| Pretax return on assets | 0.1407% | 5,848 |
| Return on Equity (ROE) | 1.9655% | 5,623 |
| Retained earnings to average equity (ytd only) | 1.9655% | 4,972 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2110% | 1,044 |
| Assets per employee ($millions) | 6.1518% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4140% | 7,521 |
| Loan loss allowance to noncurrent loans | 23.1296% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5912% | 4,064 |
| Noncurrent loans to loans | 1.7901% | 3,962 |
| Net loans and leases to total assets | 56.6366% | 5,462 |
| Net loans and leases to deposits | 88.4314% | 1,951 |
| Net loans and leases to core deposits | 90.5033% | 3,026 |
| Total domestic deposits to total assets | 64.0458% | 7,519 |
| Equity capital to assets | 5.7279% | 7,517 |
| Core capital (leverage) ratio | 5.6784% | 7,473 |
| Tier 1 risk-based capital ratio | 9.0470% | 7,354 |
| Total risk-based capital ratio | 9.4209% | 7,473 |
| Memoranda: | ||
| Average total assets | $213,148,500 | 3,002 |
| Average earning assets | $191,853,750 | 3,013 |
| Average equity | $12,210,250 | 4,621 |
| Average total loans | $116,022,500 | 3,444 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 3,793 |
| Cost of funding earning assets | 2.6433% | 112 |
| Net interest margin | 2.5889% | 7,359 |
| Noninterest income to average assets | 0.1412% | 6,877 |
| Noninterest expense to average assets | 2.3104% | 6,328 |
| Loan and lease loss provision to assets | 0.0254% | 6,685 |
| Net operating income to assets | 0.1092% | 5,839 |
| Return on assets (ROA) | 0.1092% | 5,951 |
| Pretax return on assets | 0.1356% | 5,913 |
| Return on Equity (ROE) | 1.9064% | 5,663 |
| Retained earnings to average equity (ytd only) | 1.9064% | 4,917 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4857% | 1,093 |
| Assets per employee ($millions) | 6.2091% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4070% | 7,596 |
| Loan loss allowance to noncurrent loans | 33.3561% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 4,766 |
| Noncurrent loans to loans | 1.2201% | 4,926 |
| Net loans and leases to total assets | 55.0626% | 5,834 |
| Net loans and leases to deposits | 85.6508% | 2,561 |
| Net loans and leases to core deposits | 87.6188% | 3,596 |
| Total domestic deposits to total assets | 64.2874% | 7,573 |
| Equity capital to assets | 5.6456% | 7,580 |
| Core capital (leverage) ratio | 5.6557% | 7,532 |
| Tier 1 risk-based capital ratio | 9.2841% | 7,340 |
| Total risk-based capital ratio | 9.6561% | 7,502 |
| Memoranda: | ||
| Average total assets | $212,427,000 | 3,028 |
| Average earning assets | $191,203,000 | 3,046 |
| Average equity | $12,169,330 | 4,635 |
| Average total loans | $113,879,000 | 3,539 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 3,564 |
| Cost of funding earning assets | 2.7101% | 114 |
| Net interest margin | 2.5872% | 7,401 |
| Noninterest income to average assets | 0.1353% | 7,005 |
| Noninterest expense to average assets | 2.3012% | 6,370 |
| Loan and lease loss provision to assets | 0.0171% | 6,464 |
| Net operating income to assets | 0.1143% | 5,984 |
| Return on assets (ROA) | 0.1143% | 6,094 |
| Pretax return on assets | 0.1429% | 6,034 |
| Return on Equity (ROE) | 1.9803% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.9803% | 4,945 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4985% | 1,169 |
| Assets per employee ($millions) | 6.2107% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4157% | 7,682 |
| Loan loss allowance to noncurrent loans | 26.8071% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 4,631 |
| Noncurrent loans to loans | 1.5509% | 4,418 |
| Net loans and leases to total assets | 53.4281% | 6,100 |
| Net loans and leases to deposits | 84.1163% | 2,922 |
| Net loans and leases to core deposits | 85.6762% | 3,948 |
| Total domestic deposits to total assets | 63.5170% | 7,691 |
| Equity capital to assets | 5.7666% | 7,650 |
| Core capital (leverage) ratio | 5.7703% | 7,614 |
| Tier 1 risk-based capital ratio | 9.8162% | 7,140 |
| Total risk-based capital ratio | 10.1968% | 7,504 |
| Memoranda: | ||
| Average total assets | $209,981,500 | 3,101 |
| Average earning assets | $188,775,000 | 3,135 |
| Average equity | $12,119,500 | 4,686 |
| Average total loans | $110,743,500 | 3,668 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 5,045 |
| Cost of funding earning assets | 3.0283% | 211 |
| Net interest margin | 2.2986% | 7,595 |
| Noninterest income to average assets | 0.1473% | 7,002 |
| Noninterest expense to average assets | 2.0900% | 7,203 |
| Loan and lease loss provision to assets | 0.0045% | 7,409 |
| Net operating income to assets | 0.1198% | 5,146 |
| Return on assets (ROA) | 0.1198% | 5,204 |
| Pretax return on assets | 0.1508% | 5,109 |
| Return on Equity (ROE) | 2.0012% | 4,901 |
| Retained earnings to average equity (ytd only) | 2.0012% | 3,700 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0843% | 1,478 |
| Assets per employee ($millions) | 6.3272% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4270% | 7,736 |
| Loan loss allowance to noncurrent loans | 23.7777% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 4,151 |
| Noncurrent loans to loans | 1.7958% | 3,943 |
| Net loans and leases to total assets | 51.5965% | 6,468 |
| Net loans and leases to deposits | 81.5615% | 3,682 |
| Net loans and leases to core deposits | 94.0653% | 4,664 |
| Total domestic deposits to total assets | 63.2608% | 7,728 |
| Equity capital to assets | 5.7768% | 7,693 |
| Core capital (leverage) ratio | 5.8481% | 7,661 |
| Tier 1 risk-based capital ratio | 9.7235% | 7,080 |
| Total risk-based capital ratio | 10.0951% | 7,550 |
| Memoranda: | ||
| Average total assets | $200,287,600 | 3,178 |
| Average earning assets | $182,806,600 | 3,185 |
| Average equity | $11,992,800 | 4,752 |
| Average total loans | $101,651,000 | 3,906 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3049% | 5,394 |
| Cost of funding earning assets | 3.0621% | 271 |
| Net interest margin | 2.2428% | 7,689 |
| Noninterest income to average assets | 0.1487% | 7,116 |
| Noninterest expense to average assets | 2.0367% | 7,317 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1299% | 5,376 |
| Return on assets (ROA) | 0.1299% | 5,442 |
| Pretax return on assets | 0.1675% | 5,367 |
| Return on Equity (ROE) | 2.1488% | 5,113 |
| Retained earnings to average equity (ytd only) | 2.1488% | 4,126 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3993% | 1,514 |
| Assets per employee ($millions) | 6.1802% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4379% | 7,786 |
| Loan loss allowance to noncurrent loans | 23.4837% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 1.5024% | 4,113 |
| Noncurrent loans to loans | 1.8649% | 3,818 |
| Net loans and leases to total assets | 50.4957% | 6,740 |
| Net loans and leases to deposits | 81.0075% | 4,194 |
| Net loans and leases to core deposits | 95.5626% | 4,858 |
| Total domestic deposits to total assets | 62.3346% | 7,814 |
| Equity capital to assets | 5.9114% | 7,872 |
| Core capital (leverage) ratio | 5.9512% | 7,809 |
| Tier 1 risk-based capital ratio | 10.0115% | 6,970 |
| Total risk-based capital ratio | 10.3881% | 7,571 |
| Memoranda: | ||
| Average total assets | $198,159,750 | 3,219 |
| Average earning assets | $181,612,500 | 3,219 |
| Average equity | $11,975,500 | 4,798 |
| Average total loans | $100,015,000 | 3,983 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3572% | 5,369 |
| Cost of funding earning assets | 3.1130% | 339 |
| Net interest margin | 2.2442% | 7,722 |
| Noninterest income to average assets | 0.1468% | 7,215 |
| Noninterest expense to average assets | 2.1281% | 7,217 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0795% | 5,623 |
| Return on assets (ROA) | 0.0795% | 5,716 |
| Pretax return on assets | 0.0856% | 5,707 |
| Return on Equity (ROE) | 1.3056% | 5,532 |
| Retained earnings to average equity (ytd only) | 1.3056% | 4,608 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1326% | 1,365 |
| Assets per employee ($millions) | 6.2750% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4605% | 7,831 |
| Loan loss allowance to noncurrent loans | 33.5556% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0005% | 4,969 |
| Noncurrent loans to loans | 1.3724% | 4,466 |
| Net loans and leases to total assets | 48.7615% | 6,972 |
| Net loans and leases to deposits | 78.9850% | 4,705 |
| Net loans and leases to core deposits | 93.9673% | 5,122 |
| Total domestic deposits to total assets | 61.7351% | 7,899 |
| Equity capital to assets | 5.9507% | 7,939 |
| Core capital (leverage) ratio | 5.9357% | 7,939 |
| Tier 1 risk-based capital ratio | 10.2876% | 6,611 |
| Total risk-based capital ratio | 10.6783% | 7,415 |
| Memoranda: | ||
| Average total assets | $196,231,000 | 3,265 |
| Average earning assets | $180,728,670 | 3,250 |
| Average equity | $11,948,670 | 4,824 |
| Average total loans | $98,874,330 | 4,043 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4698% | 5,066 |
| Cost of funding earning assets | 3.1556% | 392 |
| Net interest margin | 2.3142% | 7,702 |
| Noninterest income to average assets | 0.1423% | 7,279 |
| Noninterest expense to average assets | 1.9737% | 7,412 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2145% | 5,615 |
| Return on assets (ROA) | 0.2145% | 5,774 |
| Pretax return on assets | 0.3073% | 5,664 |
| Return on Equity (ROE) | 3.4816% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.4816% | 3,961 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5280% | 2,012 |
| Assets per employee ($millions) | 6.2021% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4515% | 7,890 |
| Loan loss allowance to noncurrent loans | 21.7893% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3796% | 3,891 |
| Noncurrent loans to loans | 2.0723% | 3,162 |
| Net loans and leases to total assets | 50.3212% | 6,835 |
| Net loans and leases to deposits | 81.9925% | 4,286 |
| Net loans and leases to core deposits | 98.2953% | 4,714 |
| Total domestic deposits to total assets | 61.3729% | 7,934 |
| Equity capital to assets | 6.0393% | 7,989 |
| Core capital (leverage) ratio | 6.1287% | 7,982 |
| Tier 1 risk-based capital ratio | 10.6303% | 6,258 |
| Total risk-based capital ratio | 11.0331% | 7,068 |
| Memoranda: | ||
| Average total assets | $193,946,500 | 3,312 |
| Average earning assets | $179,237,500 | 3,290 |
| Average equity | $11,948,500 | 4,847 |
| Average total loans | $99,128,500 | 4,066 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7825% | 6,496 |
| Cost of funding earning assets | 3.4993% | 520 |
| Net interest margin | 2.2833% | 7,920 |
| Noninterest income to average assets | 0.1555% | 7,314 |
| Noninterest expense to average assets | 1.9863% | 7,466 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1934% | 5,869 |
| Return on assets (ROA) | 0.1934% | 5,686 |
| Pretax return on assets | 0.2780% | 5,558 |
| Return on Equity (ROE) | 3.0117% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.0117% | 3,299 |
| Net charge-offs to loans | -0.0321% | 7,977 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7214% | 1,699 |
| Assets per employee ($millions) | 6.1105% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4626% | 7,900 |
| Loan loss allowance to noncurrent loans | 41.8283% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 4,541 |
| Noncurrent loans to loans | 1.1059% | 4,343 |
| Net loans and leases to total assets | 51.4607% | 6,895 |
| Net loans and leases to deposits | 89.5734% | 3,521 |
| Net loans and leases to core deposits | 103.4106% | 4,453 |
| Total domestic deposits to total assets | 57.4509% | 8,028 |
| Equity capital to assets | 6.2879% | 7,997 |
| Core capital (leverage) ratio | 6.2037% | 8,021 |
| Tier 1 risk-based capital ratio | 11.0489% | 5,682 |
| Total risk-based capital ratio | 11.4714% | 6,359 |
| Memoranda: | ||
| Average total assets | $181,997,800 | 3,388 |
| Average earning assets | $168,092,800 | 3,360 |
| Average equity | $11,687,800 | 4,916 |
| Average total loans | $93,433,800 | 4,120 |