Home > Bank of Floyd > Performance and Condition Ratios
Bank of Floyd, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,301 |
| Cost of funding earning assets | 0.5569% | 1,644 |
| Net interest margin | 3.4257% | 3,774 |
| Noninterest income to average assets | 0.4098% | 3,806 |
| Noninterest expense to average assets | 3.8380% | 731 |
| Loan and lease loss provision to assets | -0.0393% | 5,815 |
| Net operating income to assets | -0.2336% | 5,858 |
| Return on assets (ROA) | -0.2336% | 5,871 |
| Pretax return on assets | -0.2336% | 5,865 |
| Return on Equity (ROE) | -3.0625% | 5,901 |
| Retained earnings to average equity (ytd only) | -3.0625% | 5,640 |
| Net charge-offs to loans | 0.0559% | 2,393 |
| Credit loss provision to net charge-offs | -108.6957% | 4,611 |
| Earnings coverage of net charge-offs (x) | -7.5435% | 3,639 |
| Efficiency ratio | 107.6567% | 159 |
| Assets per employee ($millions) | 3.4049% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,940 |
| Loan loss allowance to noncurrent loans | 671.5210% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 5,012 |
| Noncurrent loans to loans | 0.1895% | 4,678 |
| Net loans and leases to total assets | 64.7596% | 3,257 |
| Net loans and leases to deposits | 73.2777% | 3,674 |
| Net loans and leases to core deposits | 77.0210% | 3,737 |
| Total domestic deposits to total assets | 88.3755% | 1,231 |
| Equity capital to assets | 7.8733% | 5,840 |
| Core capital (leverage) ratio | 7.6267% | 5,850 |
| Tier 1 risk-based capital ratio | 11.6529% | 5,060 |
| Total risk-based capital ratio | 12.8982% | 4,963 |
| Memoranda: | ||
| Average total assets | $254,248,670 | 2,495 |
| Average earning assets | $234,168,670 | 2,504 |
| Average equity | $19,396,000 | 3,256 |
| Average total loans | $164,627,000 | 2,477 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 3,357 |
| Cost of funding earning assets | 0.5648% | 1,583 |
| Net interest margin | 3.3971% | 3,881 |
| Noninterest income to average assets | 0.3563% | 4,178 |
| Noninterest expense to average assets | 3.3933% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0887% | 5,698 |
| Return on assets (ROA) | 0.0887% | 5,743 |
| Pretax return on assets | 0.0887% | 5,749 |
| Return on Equity (ROE) | 1.1808% | 5,663 |
| Retained earnings to average equity (ytd only) | 1.1808% | 4,774 |
| Net charge-offs to loans | -0.0097% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4531% | 359 |
| Assets per employee ($millions) | 3.4438% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,777 |
| Loan loss allowance to noncurrent loans | 2,718.7500% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 5,519 |
| Noncurrent loans to loans | 0.0487% | 5,290 |
| Net loans and leases to total assets | 63.5598% | 3,307 |
| Net loans and leases to deposits | 74.2639% | 3,405 |
| Net loans and leases to core deposits | 77.7297% | 3,517 |
| Total domestic deposits to total assets | 85.5864% | 2,872 |
| Equity capital to assets | 7.6934% | 5,908 |
| Core capital (leverage) ratio | 7.6455% | 5,891 |
| Tier 1 risk-based capital ratio | 11.5727% | 5,186 |
| Total risk-based capital ratio | 12.8231% | 5,093 |
| Memoranda: | ||
| Average total assets | $257,092,500 | 2,484 |
| Average earning assets | $236,554,000 | 2,498 |
| Average equity | $19,309,000 | 3,272 |
| Average total loans | $165,419,500 | 2,461 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 3,375 |
| Cost of funding earning assets | 0.6569% | 1,031 |
| Net interest margin | 3.3249% | 4,196 |
| Noninterest income to average assets | 0.4145% | 3,928 |
| Noninterest expense to average assets | 3.3639% | 1,563 |
| Loan and lease loss provision to assets | -0.1799% | 5,967 |
| Net operating income to assets | 0.2990% | 5,364 |
| Return on assets (ROA) | 0.3113% | 5,409 |
| Pretax return on assets | 0.3113% | 5,503 |
| Return on Equity (ROE) | 4.4647% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.4647% | 2,814 |
| Net charge-offs to loans | 0.2316% | 1,285 |
| Credit loss provision to net charge-offs | -122.2785% | 5,184 |
| Earnings coverage of net charge-offs (x) | 0.8101% | 4,178 |
| Efficiency ratio | 96.5786% | 380 |
| Assets per employee ($millions) | 3.5046% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,883 |
| Loan loss allowance to noncurrent loans | 2,680.2469% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 5,564 |
| Noncurrent loans to loans | 0.0486% | 5,322 |
| Net loans and leases to total assets | 63.4357% | 3,356 |
| Net loans and leases to deposits | 73.7512% | 3,524 |
| Net loans and leases to core deposits | 77.2942% | 3,628 |
| Total domestic deposits to total assets | 86.0131% | 2,636 |
| Equity capital to assets | 7.3308% | 6,005 |
| Core capital (leverage) ratio | 7.5748% | 5,961 |
| Tier 1 risk-based capital ratio | 11.3249% | 5,365 |
| Total risk-based capital ratio | 12.5722% | 5,256 |
| Memoranda: | ||
| Average total assets | $268,526,400 | 2,354 |
| Average earning assets | $247,828,600 | 2,360 |
| Average equity | $18,724,600 | 3,292 |
| Average total loans | $170,557,800 | 2,351 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,432 |
| Cost of funding earning assets | 0.6713% | 978 |
| Net interest margin | 3.3049% | 4,320 |
| Noninterest income to average assets | 0.3431% | 4,481 |
| Noninterest expense to average assets | 3.3251% | 1,635 |
| Loan and lease loss provision to assets | -0.2585% | 6,136 |
| Net operating income to assets | 0.3279% | 5,376 |
| Return on assets (ROA) | 0.3441% | 5,421 |
| Pretax return on assets | 0.3441% | 5,567 |
| Return on Equity (ROE) | 4.9965% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.9965% | 2,922 |
| Net charge-offs to loans | 0.3086% | 867 |
| Credit loss provision to net charge-offs | -132.2418% | 5,094 |
| Earnings coverage of net charge-offs (x) | 0.3552% | 3,961 |
| Efficiency ratio | 97.9550% | 356 |
| Assets per employee ($millions) | 3.6026% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 3,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 5,695 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 63.6590% | 3,358 |
| Net loans and leases to deposits | 73.2959% | 3,615 |
| Net loans and leases to core deposits | 78.1845% | 3,594 |
| Total domestic deposits to total assets | 86.8521% | 2,116 |
| Equity capital to assets | 7.3284% | 6,100 |
| Core capital (leverage) ratio | 7.3146% | 6,088 |
| Tier 1 risk-based capital ratio | 11.1071% | 5,602 |
| Total risk-based capital ratio | 12.3140% | 5,520 |
| Memoranda: | ||
| Average total assets | $270,822,250 | 2,347 |
| Average earning assets | $250,048,000 | 2,359 |
| Average equity | $18,652,750 | 3,322 |
| Average total loans | $171,525,500 | 2,351 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 3,665 |
| Cost of funding earning assets | 0.6782% | 944 |
| Net interest margin | 3.2265% | 4,577 |
| Noninterest income to average assets | 0.2443% | 5,212 |
| Noninterest expense to average assets | 3.2527% | 1,838 |
| Loan and lease loss provision to assets | -0.3840% | 6,254 |
| Net operating income to assets | 0.3577% | 5,264 |
| Return on assets (ROA) | 0.3818% | 5,309 |
| Pretax return on assets | 0.3818% | 5,510 |
| Return on Equity (ROE) | 5.6598% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.6598% | 2,430 |
| Net charge-offs to loans | 0.4797% | 526 |
| Credit loss provision to net charge-offs | -127.1186% | 4,938 |
| Earnings coverage of net charge-offs (x) | -0.0872% | 3,718 |
| Efficiency ratio | 100.8161% | 304 |
| Assets per employee ($millions) | 3.5702% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 3,794 |
| Loan loss allowance to noncurrent loans | 2,132.3232% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 5,576 |
| Noncurrent loans to loans | 0.0562% | 5,513 |
| Net loans and leases to total assets | 64.9610% | 3,131 |
| Net loans and leases to deposits | 75.6341% | 3,309 |
| Net loans and leases to core deposits | 81.1565% | 3,264 |
| Total domestic deposits to total assets | 85.8886% | 2,750 |
| Equity capital to assets | 6.9087% | 6,205 |
| Core capital (leverage) ratio | 7.1071% | 6,169 |
| Tier 1 risk-based capital ratio | 10.4405% | 5,946 |
| Total risk-based capital ratio | 11.5767% | 5,930 |
| Memoranda: | ||
| Average total assets | $273,432,330 | 2,348 |
| Average earning assets | $252,716,670 | 2,351 |
| Average equity | $18,446,000 | 3,367 |
| Average total loans | $172,185,670 | 2,347 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 3,855 |
| Cost of funding earning assets | 0.6832% | 929 |
| Net interest margin | 3.1579% | 4,761 |
| Noninterest income to average assets | 0.3185% | 4,641 |
| Noninterest expense to average assets | 3.0984% | 2,278 |
| Loan and lease loss provision to assets | 0.0492% | 2,945 |
| Net operating income to assets | 0.0956% | 5,883 |
| Return on assets (ROA) | 0.0999% | 5,932 |
| Pretax return on assets | 0.0999% | 5,947 |
| Return on Equity (ROE) | 1.4984% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.4984% | 4,887 |
| Net charge-offs to loans | 1.3251% | 153 |
| Credit loss provision to net charge-offs | 6.0284% | 2,458 |
| Earnings coverage of net charge-offs (x) | 0.1773% | 3,092 |
| Efficiency ratio | 95.5357% | 521 |
| Assets per employee ($millions) | 3.8012% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 2,587 |
| Loan loss allowance to noncurrent loans | 107.5576% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 2,770 |
| Noncurrent loans to loans | 1.3641% | 2,109 |
| Net loans and leases to total assets | 60.9649% | 3,528 |
| Net loans and leases to deposits | 71.8694% | 3,544 |
| Net loans and leases to core deposits | 77.4410% | 3,435 |
| Total domestic deposits to total assets | 84.8273% | 3,489 |
| Equity capital to assets | 6.7167% | 6,287 |
| Core capital (leverage) ratio | 6.8671% | 6,251 |
| Tier 1 risk-based capital ratio | 10.1415% | 6,129 |
| Total risk-based capital ratio | 11.3925% | 6,074 |
| Memoranda: | ||
| Average total assets | $276,267,500 | 2,342 |
| Average earning assets | $255,866,500 | 2,341 |
| Average equity | $18,419,500 | 3,389 |
| Average total loans | $170,252,500 | 2,364 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 4,375 |
| Cost of funding earning assets | 0.7708% | 761 |
| Net interest margin | 3.0637% | 5,289 |
| Noninterest income to average assets | 0.1011% | 6,153 |
| Noninterest expense to average assets | 3.1165% | 2,466 |
| Loan and lease loss provision to assets | -0.2774% | 6,357 |
| Net operating income to assets | 0.0807% | 5,979 |
| Return on assets (ROA) | 0.0610% | 6,032 |
| Pretax return on assets | 0.0610% | 6,034 |
| Return on Equity (ROE) | 0.9456% | 5,975 |
| Retained earnings to average equity (ytd only) | 0.9456% | 5,354 |
| Net charge-offs to loans | -0.7055% | 6,428 |
| Credit loss provision to net charge-offs | 68.5032% | 3,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7371% | 256 |
| Assets per employee ($millions) | 3.7678% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 1,517 |
| Loan loss allowance to noncurrent loans | 102.0757% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 2,409 |
| Noncurrent loans to loans | 1.7694% | 1,626 |
| Net loans and leases to total assets | 60.2685% | 3,751 |
| Net loans and leases to deposits | 70.3788% | 3,855 |
| Net loans and leases to core deposits | 75.8914% | 3,721 |
| Total domestic deposits to total assets | 85.6346% | 3,019 |
| Equity capital to assets | 6.6174% | 6,368 |
| Core capital (leverage) ratio | 6.9432% | 6,322 |
| Tier 1 risk-based capital ratio | 10.6478% | 6,043 |
| Total risk-based capital ratio | 11.9035% | 5,981 |
| Memoranda: | ||
| Average total assets | $268,920,200 | 2,360 |
| Average earning assets | $247,414,200 | 2,369 |
| Average equity | $17,344,400 | 3,481 |
| Average total loans | $154,362,000 | 2,508 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 4,440 |
| Cost of funding earning assets | 0.7850% | 745 |
| Net interest margin | 3.0432% | 5,392 |
| Noninterest income to average assets | 0.0399% | 6,407 |
| Noninterest expense to average assets | 3.0801% | 2,526 |
| Loan and lease loss provision to assets | -0.8058% | 6,558 |
| Net operating income to assets | 0.5620% | 4,624 |
| Return on assets (ROA) | 0.5340% | 4,814 |
| Pretax return on assets | 0.5330% | 5,224 |
| Return on Equity (ROE) | 8.3359% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.3359% | 1,209 |
| Net charge-offs to loans | -0.9499% | 6,512 |
| Credit loss provision to net charge-offs | 150.4655% | 1,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6352% | 236 |
| Assets per employee ($millions) | 3.5741% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 3,373 |
| Loan loss allowance to noncurrent loans | 69.9418% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.2703% | 2,422 |
| Noncurrent loans to loans | 1.9375% | 1,652 |
| Net loans and leases to total assets | 58.7667% | 3,968 |
| Net loans and leases to deposits | 67.8090% | 4,152 |
| Net loans and leases to core deposits | 73.6059% | 3,983 |
| Total domestic deposits to total assets | 86.6651% | 2,492 |
| Equity capital to assets | 6.8553% | 6,405 |
| Core capital (leverage) ratio | 7.4434% | 6,300 |
| Tier 1 risk-based capital ratio | 10.9888% | 5,994 |
| Total risk-based capital ratio | 12.1908% | 5,972 |
| Memoranda: | ||
| Average total assets | $267,388,000 | 2,391 |
| Average earning assets | $245,611,000 | 2,396 |
| Average equity | $17,130,250 | 3,528 |
| Average total loans | $150,748,250 | 2,566 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 4,519 |
| Cost of funding earning assets | 0.7931% | 741 |
| Net interest margin | 3.0080% | 5,497 |
| Noninterest income to average assets | -0.0606% | 6,588 |
| Noninterest expense to average assets | 3.0333% | 2,716 |
| Loan and lease loss provision to assets | -1.0915% | 6,635 |
| Net operating income to assets | 0.7643% | 3,492 |
| Return on assets (ROA) | 0.7224% | 3,814 |
| Pretax return on assets | 0.7209% | 4,571 |
| Return on Equity (ROE) | 11.5465% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.5465% | 472 |
| Net charge-offs to loans | -2.1412% | 6,603 |
| Credit loss provision to net charge-offs | 92.1618% | 2,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1506% | 205 |
| Assets per employee ($millions) | 3.5272% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 1,700 |
| Loan loss allowance to noncurrent loans | 49.1490% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.2806% | 1,320 |
| Noncurrent loans to loans | 3.7651% | 658 |
| Net loans and leases to total assets | 56.7408% | 4,149 |
| Net loans and leases to deposits | 63.3403% | 4,559 |
| Net loans and leases to core deposits | 69.3597% | 4,333 |
| Total domestic deposits to total assets | 89.5808% | 1,029 |
| Equity capital to assets | 6.9351% | 6,453 |
| Core capital (leverage) ratio | 7.5456% | 6,303 |
| Tier 1 risk-based capital ratio | 11.4398% | 5,834 |
| Total risk-based capital ratio | 12.6944% | 5,787 |
| Memoranda: | ||
| Average total assets | $267,165,670 | 2,392 |
| Average earning assets | $245,611,000 | 2,391 |
| Average equity | $16,715,000 | 3,580 |
| Average total loans | $147,767,330 | 2,615 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 4,067 |
| Cost of funding earning assets | 0.7981% | 755 |
| Net interest margin | 3.1067% | 5,226 |
| Noninterest income to average assets | 0.2965% | 4,986 |
| Noninterest expense to average assets | 2.9917% | 2,889 |
| Loan and lease loss provision to assets | 0.1564% | 1,551 |
| Net operating income to assets | 0.0074% | 6,202 |
| Return on assets (ROA) | 0.0060% | 6,221 |
| Pretax return on assets | 0.0060% | 6,211 |
| Return on Equity (ROE) | 0.1006% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.1006% | 5,518 |
| Net charge-offs to loans | -0.4298% | 6,528 |
| Credit loss provision to net charge-offs | -67.3077% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8064% | 705 |
| Assets per employee ($millions) | 3.9088% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0444% | 1,430 |
| Loan loss allowance to noncurrent loans | 42.4585% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 3.0689% | 918 |
| Noncurrent loans to loans | 4.8152% | 478 |
| Net loans and leases to total assets | 52.7087% | 4,577 |
| Net loans and leases to deposits | 59.9443% | 4,768 |
| Net loans and leases to core deposits | 65.5868% | 4,539 |
| Total domestic deposits to total assets | 87.9294% | 2,270 |
| Equity capital to assets | 6.0674% | 6,565 |
| Core capital (leverage) ratio | 7.0478% | 6,457 |
| Tier 1 risk-based capital ratio | 11.1480% | 6,100 |
| Total risk-based capital ratio | 12.4042% | 6,046 |
| Memoranda: | ||
| Average total assets | $268,478,500 | 2,392 |
| Average earning assets | $247,082,000 | 2,380 |
| Average equity | $15,899,500 | 3,717 |
| Average total loans | $145,185,000 | 2,655 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 5,134 |
| Cost of funding earning assets | 0.9094% | 698 |
| Net interest margin | 2.7927% | 5,992 |
| Noninterest income to average assets | 0.1415% | 6,235 |
| Noninterest expense to average assets | 3.0207% | 2,993 |
| Loan and lease loss provision to assets | 1.0883% | 157 |
| Net operating income to assets | -2.6882% | 6,747 |
| Return on assets (ROA) | -2.3913% | 6,733 |
| Pretax return on assets | -1.1110% | 6,613 |
| Return on Equity (ROE) | -31.9959% | 6,733 |
| Retained earnings to average equity (ytd only) | -31.9959% | 6,729 |
| Net charge-offs to loans | 1.2787% | 402 |
| Credit loss provision to net charge-offs | 169.7661% | 1,343 |
| Earnings coverage of net charge-offs (x) | -0.4986% | 5,196 |
| Efficiency ratio | 111.8332% | 247 |
| Assets per employee ($millions) | 3.7641% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 2,139 |
| Loan loss allowance to noncurrent loans | 68.1003% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.8956% | 1,914 |
| Noncurrent loans to loans | 2.6094% | 1,430 |
| Net loans and leases to total assets | 53.3818% | 4,669 |
| Net loans and leases to deposits | 58.8944% | 5,044 |
| Net loans and leases to core deposits | 64.8037% | 4,797 |
| Total domestic deposits to total assets | 90.6399% | 733 |
| Equity capital to assets | 5.7754% | 6,638 |
| Core capital (leverage) ratio | 7.2421% | 6,464 |
| Tier 1 risk-based capital ratio | 11.6251% | 5,840 |
| Total risk-based capital ratio | 12.8788% | 5,776 |
| Memoranda: | ||
| Average total assets | $273,450,200 | 2,323 |
| Average earning assets | $250,614,200 | 2,315 |
| Average equity | $20,437,000 | 3,108 |
| Average total loans | $137,095,000 | 2,748 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 5,252 |
| Cost of funding earning assets | 0.9297% | 708 |
| Net interest margin | 2.7409% | 6,098 |
| Noninterest income to average assets | 0.2070% | 5,934 |
| Noninterest expense to average assets | 2.7878% | 3,702 |
| Loan and lease loss provision to assets | 1.0938% | 138 |
| Net operating income to assets | -0.9784% | 6,706 |
| Return on assets (ROA) | -0.6477% | 6,647 |
| Pretax return on assets | -0.7723% | 6,652 |
| Return on Equity (ROE) | -8.2134% | 6,664 |
| Retained earnings to average equity (ytd only) | -8.2134% | 6,601 |
| Net charge-offs to loans | 1.6467% | 260 |
| Credit loss provision to net charge-offs | 135.2518% | 1,743 |
| Earnings coverage of net charge-offs (x) | -0.0893% | 4,882 |
| Efficiency ratio | 102.6602% | 385 |
| Assets per employee ($millions) | 3.6856% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 3,798 |
| Loan loss allowance to noncurrent loans | 32.5581% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 3.3299% | 1,056 |
| Noncurrent loans to loans | 4.3700% | 761 |
| Net loans and leases to total assets | 50.1134% | 5,122 |
| Net loans and leases to deposits | 56.5812% | 5,321 |
| Net loans and leases to core deposits | 61.6265% | 5,158 |
| Total domestic deposits to total assets | 88.5690% | 1,800 |
| Equity capital to assets | 7.9265% | 6,192 |
| Core capital (leverage) ratio | 7.5703% | 6,423 |
| Tier 1 risk-based capital ratio | 12.1815% | 5,662 |
| Total risk-based capital ratio | 13.3530% | 5,650 |
| Memoranda: | ||
| Average total assets | $274,999,750 | 2,313 |
| Average earning assets | $251,684,250 | 2,325 |
| Average equity | $21,687,500 | 2,997 |
| Average total loans | $135,057,500 | 2,786 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 5,309 |
| Cost of funding earning assets | 0.9391% | 746 |
| Net interest margin | 2.7051% | 6,173 |
| Noninterest income to average assets | 0.1913% | 6,064 |
| Noninterest expense to average assets | 2.6630% | 4,171 |
| Loan and lease loss provision to assets | 0.8073% | 265 |
| Net operating income to assets | -0.3988% | 6,603 |
| Return on assets (ROA) | -0.0231% | 6,385 |
| Pretax return on assets | -0.2043% | 6,497 |
| Return on Equity (ROE) | -0.2935% | 6,395 |
| Retained earnings to average equity (ytd only) | -0.2935% | 5,915 |
| Net charge-offs to loans | 1.1050% | 540 |
| Credit loss provision to net charge-offs | 150.4711% | 1,533 |
| Earnings coverage of net charge-offs (x) | 0.0296% | 4,539 |
| Efficiency ratio | 99.4070% | 508 |
| Assets per employee ($millions) | 3.9272% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 4,779 |
| Loan loss allowance to noncurrent loans | 20.2572% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 3.7039% | 995 |
| Noncurrent loans to loans | 6.1265% | 446 |
| Net loans and leases to total assets | 50.1657% | 5,094 |
| Net loans and leases to deposits | 57.1405% | 5,235 |
| Net loans and leases to core deposits | 62.4678% | 5,055 |
| Total domestic deposits to total assets | 87.7935% | 2,386 |
| Equity capital to assets | 7.3015% | 6,514 |
| Core capital (leverage) ratio | 7.0681% | 6,594 |
| Tier 1 risk-based capital ratio | 11.5687% | 6,074 |
| Total risk-based capital ratio | 12.6072% | 6,141 |
| Memoranda: | ||
| Average total assets | $276,983,670 | 2,307 |
| Average earning assets | $254,706,000 | 2,309 |
| Average equity | $21,808,000 | 3,005 |
| Average total loans | $134,485,000 | 2,796 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5868% | 5,485 |
| Cost of funding earning assets | 0.9547% | 767 |
| Net interest margin | 2.6321% | 6,326 |
| Noninterest income to average assets | 0.2244% | 5,867 |
| Noninterest expense to average assets | 2.5494% | 4,570 |
| Loan and lease loss provision to assets | 0.4316% | 686 |
| Net operating income to assets | -0.2331% | 6,533 |
| Return on assets (ROA) | 0.1914% | 6,030 |
| Pretax return on assets | 0.0993% | 6,260 |
| Return on Equity (ROE) | 2.3461% | 5,830 |
| Retained earnings to average equity (ytd only) | 2.3461% | 4,850 |
| Net charge-offs to loans | -0.0334% | 5,945 |
| Credit loss provision to net charge-offs | -2,727.2727% | 5,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9913% | 734 |
| Assets per employee ($millions) | 3.9681% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 5,140 |
| Loan loss allowance to noncurrent loans | 15.6567% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 4.4681% | 835 |
| Noncurrent loans to loans | 7.7251% | 356 |
| Net loans and leases to total assets | 49.0776% | 5,103 |
| Net loans and leases to deposits | 55.4502% | 5,303 |
| Net loans and leases to core deposits | 60.5007% | 5,093 |
| Total domestic deposits to total assets | 88.5077% | 2,002 |
| Equity capital to assets | 8.1168% | 6,323 |
| Core capital (leverage) ratio | 7.2858% | 6,551 |
| Tier 1 risk-based capital ratio | 12.1902% | 5,798 |
| Total risk-based capital ratio | 13.2186% | 5,900 |
| Memoranda: | ||
| Average total assets | $278,024,000 | 2,325 |
| Average earning assets | $256,830,500 | 2,315 |
| Average equity | $22,676,000 | 2,963 |
| Average total loans | $131,907,500 | 2,867 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6653% | 6,110 |
| Cost of funding earning assets | 1.2672% | 419 |
| Net interest margin | 2.3981% | 6,782 |
| Noninterest income to average assets | 0.1520% | 6,275 |
| Noninterest expense to average assets | 2.5498% | 4,929 |
| Loan and lease loss provision to assets | 2.1391% | 79 |
| Net operating income to assets | -1.4875% | 6,852 |
| Return on assets (ROA) | -1.3530% | 6,839 |
| Pretax return on assets | -2.1944% | 6,952 |
| Return on Equity (ROE) | -15.3209% | 6,828 |
| Retained earnings to average equity (ytd only) | -15.3209% | 6,778 |
| Net charge-offs to loans | 5.9066% | 18 |
| Credit loss provision to net charge-offs | 82.5254% | 3,744 |
| Earnings coverage of net charge-offs (x) | -0.1024% | 5,537 |
| Efficiency ratio | 111.6177% | 309 |
| Assets per employee ($millions) | 3.9194% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,631 |
| Loan loss allowance to noncurrent loans | 19.7614% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 3.1317% | 1,498 |
| Noncurrent loans to loans | 5.4616% | 683 |
| Net loans and leases to total assets | 44.7269% | 5,755 |
| Net loans and leases to deposits | 48.9800% | 6,036 |
| Net loans and leases to core deposits | 53.0123% | 5,938 |
| Total domestic deposits to total assets | 91.3167% | 394 |
| Equity capital to assets | 8.1953% | 6,283 |
| Core capital (leverage) ratio | 7.1818% | 6,644 |
| Tier 1 risk-based capital ratio | 13.2263% | 4,944 |
| Total risk-based capital ratio | 14.1328% | 5,130 |
| Memoranda: | ||
| Average total assets | $269,780,800 | 2,343 |
| Average earning assets | $239,900,600 | 2,412 |
| Average equity | $23,823,600 | 2,763 |
| Average total loans | $118,392,800 | 3,116 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 6,193 |
| Cost of funding earning assets | 1.3360% | 378 |
| Net interest margin | 2.3840% | 6,904 |
| Noninterest income to average assets | 0.2022% | 6,082 |
| Noninterest expense to average assets | 2.5779% | 4,812 |
| Loan and lease loss provision to assets | 2.4334% | 66 |
| Net operating income to assets | -1.6644% | 6,996 |
| Return on assets (ROA) | -1.6593% | 7,005 |
| Pretax return on assets | -2.7024% | 7,097 |
| Return on Equity (ROE) | -18.4451% | 6,970 |
| Retained earnings to average equity (ytd only) | -18.4451% | 6,951 |
| Net charge-offs to loans | 7.1347% | 14 |
| Credit loss provision to net charge-offs | 78.3355% | 3,668 |
| Earnings coverage of net charge-offs (x) | -0.0892% | 5,371 |
| Efficiency ratio | 112.0372% | 271 |
| Assets per employee ($millions) | 4.2268% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 5,490 |
| Loan loss allowance to noncurrent loans | 224.6801% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 2.9231% | 1,795 |
| Noncurrent loans to loans | 0.5146% | 5,411 |
| Net loans and leases to total assets | 38.2450% | 6,405 |
| Net loans and leases to deposits | 42.1429% | 6,590 |
| Net loans and leases to core deposits | 45.1169% | 6,557 |
| Total domestic deposits to total assets | 90.7506% | 499 |
| Equity capital to assets | 8.7329% | 6,082 |
| Core capital (leverage) ratio | 7.3715% | 6,685 |
| Tier 1 risk-based capital ratio | 14.7569% | 4,008 |
| Total risk-based capital ratio | 15.6634% | 4,217 |
| Memoranda: | ||
| Average total assets | $267,656,000 | 2,390 |
| Average earning assets | $235,625,250 | 2,472 |
| Average equity | $24,078,000 | 2,773 |
| Average total loans | $116,535,000 | 3,192 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 6,113 |
| Cost of funding earning assets | 1.3707% | 391 |
| Net interest margin | 2.4403% | 6,935 |
| Noninterest income to average assets | 0.2103% | 6,058 |
| Noninterest expense to average assets | 2.6250% | 4,696 |
| Loan and lease loss provision to assets | 3.0065% | 62 |
| Net operating income to assets | -2.0492% | 7,071 |
| Return on assets (ROA) | -2.0415% | 7,081 |
| Pretax return on assets | -3.2832% | 7,160 |
| Return on Equity (ROE) | -22.4671% | 7,056 |
| Retained earnings to average equity (ytd only) | -22.4671% | 7,036 |
| Net charge-offs to loans | 6.3996% | 29 |
| Credit loss provision to net charge-offs | 103.9083% | 2,623 |
| Earnings coverage of net charge-offs (x) | -0.0998% | 5,128 |
| Efficiency ratio | 112.3588% | 302 |
| Assets per employee ($millions) | 4.1828% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3689% | 1,460 |
| Loan loss allowance to noncurrent loans | 31.1715% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 4.2956% | 1,161 |
| Noncurrent loans to loans | 7.5996% | 472 |
| Net loans and leases to total assets | 41.3826% | 6,243 |
| Net loans and leases to deposits | 45.6290% | 6,467 |
| Net loans and leases to core deposits | 48.8934% | 6,410 |
| Total domestic deposits to total assets | 90.6935% | 565 |
| Equity capital to assets | 8.8758% | 5,833 |
| Core capital (leverage) ratio | 7.9106% | 6,358 |
| Tier 1 risk-based capital ratio | 15.6451% | 3,364 |
| Total risk-based capital ratio | 16.9046% | 3,322 |
| Memoranda: | ||
| Average total assets | $265,294,000 | 2,415 |
| Average earning assets | $231,116,330 | 2,510 |
| Average equity | $24,106,330 | 2,758 |
| Average total loans | $119,945,330 | 3,137 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 6,450 |
| Cost of funding earning assets | 1.2987% | 636 |
| Net interest margin | 2.3934% | 7,015 |
| Noninterest income to average assets | 0.2076% | 6,141 |
| Noninterest expense to average assets | 1.8763% | 6,686 |
| Loan and lease loss provision to assets | -0.0107% | 7,103 |
| Net operating income to assets | 0.4887% | 4,879 |
| Return on assets (ROA) | 0.5099% | 4,998 |
| Pretax return on assets | 0.5863% | 5,159 |
| Return on Equity (ROE) | 5.5451% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.5451% | 3,231 |
| Net charge-offs to loans | -0.0425% | 6,472 |
| Credit loss provision to net charge-offs | 53.8462% | 3,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2956% | 2,603 |
| Assets per employee ($millions) | 3.9000% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1553% | 1,976 |
| Loan loss allowance to noncurrent loans | 31.2432% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 4.2435% | 1,283 |
| Noncurrent loans to loans | 6.8986% | 658 |
| Net loans and leases to total assets | 44.2661% | 5,982 |
| Net loans and leases to deposits | 48.8734% | 6,235 |
| Net loans and leases to core deposits | 52.2790% | 6,184 |
| Total domestic deposits to total assets | 90.5729% | 764 |
| Equity capital to assets | 9.1541% | 5,288 |
| Core capital (leverage) ratio | 9.1239% | 4,648 |
| Tier 1 risk-based capital ratio | 16.4902% | 2,910 |
| Total risk-based capital ratio | 17.7470% | 2,881 |
| Memoranda: | ||
| Average total assets | $261,998,500 | 2,462 |
| Average earning assets | $243,003,000 | 2,426 |
| Average equity | $24,093,500 | 2,759 |
| Average total loans | $122,296,500 | 3,098 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 5,822 |
| Cost of funding earning assets | 1.3491% | 1,240 |
| Net interest margin | 2.9296% | 6,643 |
| Noninterest income to average assets | 0.1884% | 6,152 |
| Noninterest expense to average assets | 2.0855% | 6,520 |
| Loan and lease loss provision to assets | 0.2240% | 3,964 |
| Net operating income to assets | 0.5217% | 4,334 |
| Return on assets (ROA) | 0.5591% | 4,380 |
| Pretax return on assets | 0.6492% | 4,512 |
| Return on Equity (ROE) | 5.9123% | 3,914 |
| Retained earnings to average equity (ytd only) | 5.9123% | 2,068 |
| Net charge-offs to loans | 0.5177% | 2,918 |
| Credit loss provision to net charge-offs | 78.3668% | 4,531 |
| Earnings coverage of net charge-offs (x) | 2.9026% | 3,756 |
| Efficiency ratio | 71.5369% | 3,680 |
| Assets per employee ($millions) | 3.8058% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0704% | 2,081 |
| Loan loss allowance to noncurrent loans | 23.5918% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 5.3780% | 961 |
| Noncurrent loans to loans | 8.7760% | 414 |
| Net loans and leases to total assets | 47.1541% | 5,911 |
| Net loans and leases to deposits | 52.1115% | 6,201 |
| Net loans and leases to core deposits | 55.9990% | 6,158 |
| Total domestic deposits to total assets | 90.4870% | 729 |
| Equity capital to assets | 9.2390% | 5,230 |
| Core capital (leverage) ratio | 9.2712% | 4,370 |
| Tier 1 risk-based capital ratio | 15.9080% | 3,087 |
| Total risk-based capital ratio | 17.1643% | 3,048 |
| Memoranda: | ||
| Average total assets | $244,159,800 | 2,589 |
| Average earning assets | $227,268,200 | 2,535 |
| Average equity | $23,087,400 | 2,771 |
| Average total loans | $134,817,000 | 2,901 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 5,708 |
| Cost of funding earning assets | 1.3618% | 1,411 |
| Net interest margin | 3.0084% | 6,569 |
| Noninterest income to average assets | 0.1791% | 6,307 |
| Noninterest expense to average assets | 2.1177% | 6,473 |
| Loan and lease loss provision to assets | 0.2689% | 3,355 |
| Net operating income to assets | 0.5221% | 4,447 |
| Return on assets (ROA) | 0.5394% | 4,556 |
| Pretax return on assets | 0.6181% | 4,747 |
| Return on Equity (ROE) | 5.6696% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.6696% | 2,761 |
| Net charge-offs to loans | 0.4067% | 3,098 |
| Credit loss provision to net charge-offs | 115.7518% | 2,825 |
| Earnings coverage of net charge-offs (x) | 3.7327% | 3,319 |
| Efficiency ratio | 70.9510% | 3,749 |
| Assets per employee ($millions) | 3.6179% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0868% | 2,099 |
| Loan loss allowance to noncurrent loans | 25.6700% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 4.5424% | 1,314 |
| Noncurrent loans to loans | 8.1292% | 536 |
| Net loans and leases to total assets | 53.3451% | 5,269 |
| Net loans and leases to deposits | 59.1970% | 5,732 |
| Net loans and leases to core deposits | 63.0785% | 5,708 |
| Total domestic deposits to total assets | 90.1145% | 807 |
| Equity capital to assets | 9.5949% | 4,942 |
| Core capital (leverage) ratio | 9.4785% | 4,178 |
| Tier 1 risk-based capital ratio | 15.4063% | 3,430 |
| Total risk-based capital ratio | 16.6638% | 3,405 |
| Memoranda: | ||
| Average total assets | $240,501,250 | 2,646 |
| Average earning assets | $224,302,250 | 2,574 |
| Average equity | $22,881,750 | 2,793 |
| Average total loans | $137,368,250 | 2,872 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 5,390 |
| Cost of funding earning assets | 1.3830% | 1,488 |
| Net interest margin | 3.1053% | 6,398 |
| Noninterest income to average assets | 0.1668% | 6,465 |
| Noninterest expense to average assets | 2.1436% | 6,516 |
| Loan and lease loss provision to assets | 0.3025% | 2,990 |
| Net operating income to assets | 0.5326% | 4,367 |
| Return on assets (ROA) | 0.5581% | 4,397 |
| Pretax return on assets | 0.6419% | 4,605 |
| Return on Equity (ROE) | 5.8832% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.8832% | 2,499 |
| Net charge-offs to loans | 0.6629% | 2,181 |
| Credit loss provision to net charge-offs | 78.6492% | 3,816 |
| Earnings coverage of net charge-offs (x) | 2.3791% | 3,633 |
| Efficiency ratio | 70.0822% | 4,108 |
| Assets per employee ($millions) | 3.7172% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 2,517 |
| Loan loss allowance to noncurrent loans | 36.5187% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 3.1480% | 2,135 |
| Noncurrent loans to loans | 5.3369% | 1,198 |
| Net loans and leases to total assets | 55.6810% | 5,039 |
| Net loans and leases to deposits | 61.8496% | 5,518 |
| Net loans and leases to core deposits | 66.1315% | 5,495 |
| Total domestic deposits to total assets | 90.0264% | 962 |
| Equity capital to assets | 9.7096% | 4,525 |
| Core capital (leverage) ratio | 9.5347% | 3,900 |
| Tier 1 risk-based capital ratio | 15.2609% | 3,368 |
| Total risk-based capital ratio | 16.5173% | 3,323 |
| Memoranda: | ||
| Average total assets | $238,662,670 | 2,670 |
| Average earning assets | $222,265,670 | 2,620 |
| Average equity | $22,640,670 | 2,801 |
| Average total loans | $138,479,330 | 2,876 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6017% | 4,939 |
| Cost of funding earning assets | 1.4188% | 1,517 |
| Net interest margin | 3.1829% | 6,120 |
| Noninterest income to average assets | 0.1088% | 6,863 |
| Noninterest expense to average assets | 2.1485% | 6,534 |
| Loan and lease loss provision to assets | 0.2794% | 2,919 |
| Net operating income to assets | 0.5288% | 4,358 |
| Return on assets (ROA) | 0.5288% | 4,443 |
| Pretax return on assets | 0.6426% | 4,522 |
| Return on Equity (ROE) | 5.6400% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.6400% | 2,830 |
| Net charge-offs to loans | 1.3184% | 1,046 |
| Credit loss provision to net charge-offs | 36.1472% | 4,018 |
| Earnings coverage of net charge-offs (x) | 1.1926% | 3,766 |
| Efficiency ratio | 69.9728% | 4,281 |
| Assets per employee ($millions) | 3.7183% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 3,130 |
| Loan loss allowance to noncurrent loans | 29.0623% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 3.7362% | 1,807 |
| Noncurrent loans to loans | 6.0616% | 1,040 |
| Net loans and leases to total assets | 57.0840% | 4,789 |
| Net loans and leases to deposits | 63.2913% | 5,350 |
| Net loans and leases to core deposits | 67.6245% | 5,339 |
| Total domestic deposits to total assets | 90.1925% | 1,029 |
| Equity capital to assets | 9.4969% | 4,441 |
| Core capital (leverage) ratio | 9.4565% | 3,876 |
| Tier 1 risk-based capital ratio | 14.8445% | 3,512 |
| Total risk-based capital ratio | 16.0989% | 3,472 |
| Memoranda: | ||
| Average total assets | $239,045,000 | 2,679 |
| Average earning assets | $222,438,500 | 2,630 |
| Average equity | $22,411,500 | 2,812 |
| Average total loans | $140,170,500 | 2,884 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 5,584 |
| Cost of funding earning assets | 2.0108% | 586 |
| Net interest margin | 2.7484% | 7,085 |
| Noninterest income to average assets | 0.2198% | 6,234 |
| Noninterest expense to average assets | 2.1576% | 6,715 |
| Loan and lease loss provision to assets | 0.2810% | 4,561 |
| Net operating income to assets | 0.3499% | 4,737 |
| Return on assets (ROA) | 0.3916% | 4,727 |
| Pretax return on assets | 0.3767% | 5,017 |
| Return on Equity (ROE) | 4.4053% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.4053% | 2,769 |
| Net charge-offs to loans | 0.1807% | 5,235 |
| Credit loss provision to net charge-offs | 256.2016% | 1,106 |
| Earnings coverage of net charge-offs (x) | 5.6163% | 2,581 |
| Efficiency ratio | 77.7897% | 2,743 |
| Assets per employee ($millions) | 3.7518% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 2,491 |
| Loan loss allowance to noncurrent loans | 43.5914% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.8211% | 2,483 |
| Noncurrent loans to loans | 4.4101% | 1,620 |
| Net loans and leases to total assets | 58.0256% | 5,021 |
| Net loans and leases to deposits | 64.0027% | 5,628 |
| Net loans and leases to core deposits | 70.4185% | 5,414 |
| Total domestic deposits to total assets | 90.6613% | 764 |
| Equity capital to assets | 9.2550% | 4,745 |
| Core capital (leverage) ratio | 9.0632% | 4,433 |
| Tier 1 risk-based capital ratio | 14.2175% | 3,729 |
| Total risk-based capital ratio | 15.4736% | 3,681 |
| Memoranda: | ||
| Average total assets | $235,210,600 | 2,688 |
| Average earning assets | $218,564,600 | 2,651 |
| Average equity | $20,906,400 | 3,019 |
| Average total loans | $142,745,000 | 2,888 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 5,761 |
| Cost of funding earning assets | 2.0564% | 622 |
| Net interest margin | 2.7185% | 7,213 |
| Noninterest income to average assets | 0.2188% | 6,345 |
| Noninterest expense to average assets | 2.1619% | 6,708 |
| Loan and lease loss provision to assets | 0.2057% | 4,998 |
| Net operating income to assets | 0.3749% | 4,865 |
| Return on assets (ROA) | 0.4302% | 4,804 |
| Pretax return on assets | 0.4308% | 5,138 |
| Return on Equity (ROE) | 4.8920% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.8920% | 3,058 |
| Net charge-offs to loans | 0.2416% | 4,491 |
| Credit loss provision to net charge-offs | 139.3822% | 2,863 |
| Earnings coverage of net charge-offs (x) | 3.9383% | 3,243 |
| Efficiency ratio | 78.8118% | 2,514 |
| Assets per employee ($millions) | 3.5839% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 3,191 |
| Loan loss allowance to noncurrent loans | 37.1389% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 2.9368% | 2,468 |
| Noncurrent loans to loans | 4.5419% | 1,588 |
| Net loans and leases to total assets | 58.9823% | 5,109 |
| Net loans and leases to deposits | 64.8035% | 5,807 |
| Net loans and leases to core deposits | 72.0192% | 5,511 |
| Total domestic deposits to total assets | 91.0171% | 447 |
| Equity capital to assets | 8.8009% | 5,857 |
| Core capital (leverage) ratio | 8.8132% | 4,980 |
| Tier 1 risk-based capital ratio | 13.3133% | 4,343 |
| Total risk-based capital ratio | 14.5673% | 4,307 |
| Memoranda: | ||
| Average total assets | $233,983,750 | 2,730 |
| Average earning assets | $217,269,500 | 2,696 |
| Average equity | $20,577,250 | 3,103 |
| Average total loans | $142,916,000 | 2,922 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 5,772 |
| Cost of funding earning assets | 2.0826% | 705 |
| Net interest margin | 2.7245% | 7,229 |
| Noninterest income to average assets | 0.2182% | 6,355 |
| Noninterest expense to average assets | 2.1109% | 6,869 |
| Loan and lease loss provision to assets | 0.2337% | 4,578 |
| Net operating income to assets | 0.3923% | 4,786 |
| Return on assets (ROA) | 0.4734% | 4,604 |
| Pretax return on assets | 0.4863% | 4,946 |
| Return on Equity (ROE) | 5.3845% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.3845% | 2,684 |
| Net charge-offs to loans | 0.0253% | 5,982 |
| Credit loss provision to net charge-offs | 1,505.5556% | 262 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 711 |
| Efficiency ratio | 76.8362% | 2,929 |
| Assets per employee ($millions) | 3.4953% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 2,667 |
| Loan loss allowance to noncurrent loans | 47.6551% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.5091% | 2,875 |
| Noncurrent loans to loans | 3.8187% | 2,017 |
| Net loans and leases to total assets | 59.4616% | 5,164 |
| Net loans and leases to deposits | 65.4028% | 5,881 |
| Net loans and leases to core deposits | 71.7549% | 5,698 |
| Total domestic deposits to total assets | 90.9161% | 523 |
| Equity capital to assets | 8.9477% | 5,527 |
| Core capital (leverage) ratio | 8.8869% | 4,777 |
| Tier 1 risk-based capital ratio | 13.4837% | 4,080 |
| Total risk-based capital ratio | 14.7390% | 4,039 |
| Memoranda: | ||
| Average total assets | $231,937,330 | 2,781 |
| Average earning assets | $215,304,000 | 2,743 |
| Average equity | $20,392,000 | 3,126 |
| Average total loans | $142,534,670 | 2,966 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 5,670 |
| Cost of funding earning assets | 2.1168% | 767 |
| Net interest margin | 2.7371% | 7,256 |
| Noninterest income to average assets | 0.2149% | 6,424 |
| Noninterest expense to average assets | 2.0449% | 7,075 |
| Loan and lease loss provision to assets | 0.6585% | 1,926 |
| Net operating income to assets | 0.1837% | 5,739 |
| Return on assets (ROA) | 0.1906% | 5,841 |
| Pretax return on assets | 0.0572% | 6,238 |
| Return on Equity (ROE) | 2.1879% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.1879% | 4,820 |
| Net charge-offs to loans | 0.0560% | 4,846 |
| Credit loss provision to net charge-offs | 1,900.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 20.4500% | 1,158 |
| Efficiency ratio | 74.2605% | 3,539 |
| Assets per employee ($millions) | 3.2637% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,513 |
| Loan loss allowance to noncurrent loans | 37.1219% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 3.2241% | 2,225 |
| Noncurrent loans to loans | 5.0554% | 1,428 |
| Net loans and leases to total assets | 60.6522% | 5,008 |
| Net loans and leases to deposits | 66.6235% | 5,754 |
| Net loans and leases to core deposits | 73.3874% | 5,561 |
| Total domestic deposits to total assets | 91.0371% | 525 |
| Equity capital to assets | 8.7359% | 5,678 |
| Core capital (leverage) ratio | 8.8350% | 4,812 |
| Tier 1 risk-based capital ratio | 13.0327% | 4,310 |
| Total risk-based capital ratio | 14.2884% | 4,278 |
| Memoranda: | ||
| Average total assets | $230,814,500 | 2,868 |
| Average earning assets | $214,094,500 | 2,817 |
| Average equity | $20,111,000 | 3,193 |
| Average total loans | $142,887,000 | 3,024 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 6,180 |
| Cost of funding earning assets | 2.4577% | 1,128 |
| Net interest margin | 2.6158% | 7,319 |
| Noninterest income to average assets | 0.2378% | 6,389 |
| Noninterest expense to average assets | 2.0571% | 7,271 |
| Loan and lease loss provision to assets | 0.4676% | 4,026 |
| Net operating income to assets | 0.2451% | 4,737 |
| Return on assets (ROA) | 0.2676% | 4,734 |
| Pretax return on assets | 0.1557% | 5,099 |
| Return on Equity (ROE) | 3.1506% | 4,436 |
| Retained earnings to average equity (ytd only) | 3.1506% | 2,955 |
| Net charge-offs to loans | 0.1539% | 5,727 |
| Credit loss provision to net charge-offs | 479.6296% | 638 |
| Earnings coverage of net charge-offs (x) | 6.1620% | 2,424 |
| Efficiency ratio | 77.3985% | 3,292 |
| Assets per employee ($millions) | 3.2381% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 3,154 |
| Loan loss allowance to noncurrent loans | 47.8225% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 2.2174% | 3,104 |
| Noncurrent loans to loans | 3.4152% | 2,236 |
| Net loans and leases to total assets | 60.9871% | 5,195 |
| Net loans and leases to deposits | 66.9517% | 5,954 |
| Net loans and leases to core deposits | 95.5781% | 4,505 |
| Total domestic deposits to total assets | 91.0911% | 501 |
| Equity capital to assets | 8.6901% | 5,598 |
| Core capital (leverage) ratio | 8.8235% | 4,730 |
| Tier 1 risk-based capital ratio | 12.9066% | 4,202 |
| Total risk-based capital ratio | 14.1596% | 4,153 |
| Memoranda: | ||
| Average total assets | $221,578,200 | 2,922 |
| Average earning assets | $204,987,600 | 2,906 |
| Average equity | $18,821,800 | 3,368 |
| Average total loans | $140,322,600 | 3,078 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0640% | 6,403 |
| Cost of funding earning assets | 2.5146% | 1,251 |
| Net interest margin | 2.5494% | 7,406 |
| Noninterest income to average assets | 0.2369% | 6,533 |
| Noninterest expense to average assets | 2.3423% | 6,585 |
| Loan and lease loss provision to assets | 0.2345% | 5,100 |
| Net operating income to assets | 0.1719% | 5,240 |
| Return on assets (ROA) | 0.2023% | 5,235 |
| Pretax return on assets | 0.0480% | 5,613 |
| Return on Equity (ROE) | 2.3957% | 5,027 |
| Retained earnings to average equity (ytd only) | 2.3957% | 3,982 |
| Net charge-offs to loans | 0.0725% | 5,960 |
| Credit loss provision to net charge-offs | 507.8947% | 773 |
| Earnings coverage of net charge-offs (x) | 5.4606% | 2,815 |
| Efficiency ratio | 90.2833% | 1,662 |
| Assets per employee ($millions) | 3.1084% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,934 |
| Loan loss allowance to noncurrent loans | 60.0595% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4553% | 4,204 |
| Noncurrent loans to loans | 2.0537% | 3,559 |
| Net loans and leases to total assets | 65.0445% | 4,640 |
| Net loans and leases to deposits | 71.8827% | 5,674 |
| Net loans and leases to core deposits | 98.0355% | 4,597 |
| Total domestic deposits to total assets | 90.4871% | 594 |
| Equity capital to assets | 8.4731% | 6,281 |
| Core capital (leverage) ratio | 8.9365% | 4,754 |
| Tier 1 risk-based capital ratio | 12.6391% | 4,446 |
| Total risk-based capital ratio | 13.7949% | 4,457 |
| Memoranda: | ||
| Average total assets | $219,496,250 | 2,964 |
| Average earning assets | $202,972,000 | 2,949 |
| Average equity | $18,532,500 | 3,447 |
| Average total loans | $139,768,000 | 3,124 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 6,617 |
| Cost of funding earning assets | 2.5574% | 1,419 |
| Net interest margin | 2.4929% | 7,489 |
| Noninterest income to average assets | 0.2311% | 6,631 |
| Noninterest expense to average assets | 2.3782% | 6,532 |
| Loan and lease loss provision to assets | 0.1192% | 5,936 |
| Net operating income to assets | 0.1899% | 5,302 |
| Return on assets (ROA) | 0.2110% | 5,304 |
| Pretax return on assets | 0.0578% | 5,769 |
| Return on Equity (ROE) | 2.5015% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.5015% | 3,940 |
| Net charge-offs to loans | 0.1122% | 5,039 |
| Credit loss provision to net charge-offs | 168.8312% | 2,726 |
| Earnings coverage of net charge-offs (x) | 2.2078% | 3,961 |
| Efficiency ratio | 93.8473% | 1,505 |
| Assets per employee ($millions) | 2.7654% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,353 |
| Loan loss allowance to noncurrent loans | 31.4718% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 2.3459% | 2,772 |
| Noncurrent loans to loans | 3.6105% | 1,927 |
| Net loans and leases to total assets | 61.3909% | 5,459 |
| Net loans and leases to deposits | 67.9751% | 6,190 |
| Net loans and leases to core deposits | 90.0339% | 5,532 |
| Total domestic deposits to total assets | 90.3138% | 700 |
| Equity capital to assets | 8.4418% | 6,141 |
| Core capital (leverage) ratio | 8.9290% | 4,742 |
| Tier 1 risk-based capital ratio | 13.1014% | 4,070 |
| Total risk-based capital ratio | 14.1355% | 4,138 |
| Memoranda: | ||
| Average total assets | $218,061,000 | 3,001 |
| Average earning assets | $201,452,670 | 2,982 |
| Average equity | $18,389,000 | 3,492 |
| Average total loans | $137,227,670 | 3,205 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 6,660 |
| Cost of funding earning assets | 2.5999% | 1,568 |
| Net interest margin | 2.4937% | 7,511 |
| Noninterest income to average assets | 0.2162% | 6,744 |
| Noninterest expense to average assets | 2.3338% | 6,424 |
| Loan and lease loss provision to assets | 0.0739% | 6,034 |
| Net operating income to assets | 0.2439% | 5,509 |
| Return on assets (ROA) | 0.2439% | 5,676 |
| Pretax return on assets | 0.1090% | 6,145 |
| Return on Equity (ROE) | 2.8939% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.8939% | 4,264 |
| Net charge-offs to loans | 0.2362% | 3,225 |
| Credit loss provision to net charge-offs | 49.3827% | 4,698 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 4,141 |
| Efficiency ratio | 92.7313% | 1,522 |
| Assets per employee ($millions) | 2.7860% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 5,605 |
| Loan loss allowance to noncurrent loans | 29.8900% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 2.3685% | 2,417 |
| Noncurrent loans to loans | 3.6162% | 1,739 |
| Net loans and leases to total assets | 60.2373% | 5,615 |
| Net loans and leases to deposits | 66.5525% | 6,326 |
| Net loans and leases to core deposits | 90.4575% | 5,514 |
| Total domestic deposits to total assets | 90.5110% | 588 |
| Equity capital to assets | 8.2475% | 6,468 |
| Core capital (leverage) ratio | 9.1506% | 4,480 |
| Tier 1 risk-based capital ratio | 12.9528% | 4,211 |
| Total risk-based capital ratio | 13.9183% | 4,339 |
| Memoranda: | ||
| Average total assets | $216,475,000 | 3,039 |
| Average earning assets | $199,700,500 | 3,017 |
| Average equity | $18,245,500 | 3,526 |
| Average total loans | $137,152,500 | 3,221 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0711% | 5,201 |
| Cost of funding earning assets | 3.0138% | 1,824 |
| Net interest margin | 3.0573% | 6,767 |
| Noninterest income to average assets | 0.2961% | 6,343 |
| Noninterest expense to average assets | 2.2581% | 6,814 |
| Loan and lease loss provision to assets | 0.0234% | 7,106 |
| Net operating income to assets | 0.7237% | 3,787 |
| Return on assets (ROA) | 0.7404% | 3,551 |
| Pretax return on assets | 0.8436% | 3,912 |
| Return on Equity (ROE) | 8.5016% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.0126% | 1,529 |
| Net charge-offs to loans | 0.0819% | 5,595 |
| Credit loss provision to net charge-offs | 46.1538% | 6,387 |
| Earnings coverage of net charge-offs (x) | 16.7404% | 1,820 |
| Efficiency ratio | 72.6988% | 3,810 |
| Assets per employee ($millions) | 2.7282% | 6,722 |
| Cash dividends to net income (ytd only)* | 29.2763% | 4,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,359 |
| Loan loss allowance to noncurrent loans | 53.1922% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4624% | 3,296 |
| Noncurrent loans to loans | 2.0457% | 2,704 |
| Net loans and leases to total assets | 65.2511% | 5,001 |
| Net loans and leases to deposits | 72.3745% | 6,013 |
| Net loans and leases to core deposits | 96.2240% | 5,237 |
| Total domestic deposits to total assets | 90.1576% | 589 |
| Equity capital to assets | 8.6205% | 5,899 |
| Core capital (leverage) ratio | 9.4012% | 4,154 |
| Tier 1 risk-based capital ratio | 12.7293% | 4,269 |
| Total risk-based capital ratio | 13.7267% | 4,353 |
| Memoranda: | ||
| Average total assets | $205,302,800 | 3,064 |
| Average earning assets | $188,698,600 | 3,062 |
| Average equity | $17,879,000 | 3,571 |
| Average total loans | $126,916,000 | 3,320 |