Home > Boulevard Bank > Performance and Condition Ratios
Boulevard Bank, Performance and Condition Ratios
| 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 | 3.1022% | 5,626 |
| Cost of funding earning assets | 0.3997% | 3,164 |
| Net interest margin | 2.7025% | 5,641 |
| Noninterest income to average assets | -5.9582% | 6,182 |
| Noninterest expense to average assets | 6.0620% | 175 |
| Loan and lease loss provision to assets | 0.1170% | 2,038 |
| Net operating income to assets | -9.4634% | 6,182 |
| Return on assets (ROA) | -8.5665% | 6,182 |
| Pretax return on assets | -8.5782% | 6,182 |
| Return on Equity (ROE) | -74.2669% | 6,175 |
| Retained earnings to average equity (ytd only) | -112.3096% | 6,181 |
| Net charge-offs to loans | 0.0705% | 2,834 |
| Credit loss provision to net charge-offs | 384.6154% | 783 |
| Earnings coverage of net charge-offs (x) | -307.5865% | 4,459 |
| Efficiency ratio | -90.3080% | 6,179 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | -51.2243% | 6,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 2,212 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,191 |
| Equity capital to assets | 96.2690% | 3 |
| Core capital (leverage) ratio | 57.3187% | 37 |
| Tier 1 risk-based capital ratio | 3,873.0223% | 2 |
| Total risk-based capital ratio | 3,873.0223% | 2 |
| Memoranda: | ||
| Average total assets | $341,832,800 | 1,908 |
| Average earning assets | $336,725,800 | 1,803 |
| Average equity | $39,429,400 | 1,823 |
| Average total loans | $147,436,600 | 2,636 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3010% | 5,403 |
| Cost of funding earning assets | 0.4308% | 2,898 |
| Net interest margin | 2.8703% | 5,461 |
| Noninterest income to average assets | -6.3986% | 6,270 |
| Noninterest expense to average assets | 6.5991% | 161 |
| Loan and lease loss provision to assets | 0.1263% | 1,792 |
| Net operating income to assets | -10.2820% | 6,267 |
| Return on assets (ROA) | -9.3141% | 6,268 |
| Pretax return on assets | -9.3267% | 6,268 |
| Return on Equity (ROE) | -88.3700% | 6,263 |
| Retained earnings to average equity (ytd only) | -88.3700% | 6,263 |
| Net charge-offs to loans | 0.0752% | 2,491 |
| Credit loss provision to net charge-offs | 384.6154% | 783 |
| Earnings coverage of net charge-offs (x) | -309.7091% | 4,179 |
| Efficiency ratio | -91.5974% | 6,267 |
| Assets per employee ($millions) | 3.1954% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 3,707 |
| Noncurrent loans to loans | 0.2771% | 4,585 |
| Net loans and leases to total assets | 60.2385% | 3,853 |
| Net loans and leases to deposits | 716.4599% | 3 |
| Net loans and leases to core deposits | 716.4599% | 14 |
| Total domestic deposits to total assets | 8.4078% | 6,250 |
| Equity capital to assets | 58.8929% | 39 |
| Core capital (leverage) ratio | 16.1086% | 474 |
| Tier 1 risk-based capital ratio | 185.3469% | 30 |
| Total risk-based capital ratio | 185.3469% | 30 |
| Memoranda: | ||
| Average total assets | $422,332,500 | 1,583 |
| Average earning assets | $416,303,500 | 1,493 |
| Average equity | $44,513,250 | 1,668 |
| Average total loans | $184,295,750 | 2,211 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 5,033 |
| Cost of funding earning assets | 0.4372% | 2,885 |
| Net interest margin | 3.0455% | 5,104 |
| Noninterest income to average assets | -7.5490% | 6,348 |
| Noninterest expense to average assets | 6.9034% | 153 |
| Loan and lease loss provision to assets | 0.1471% | 1,462 |
| Net operating income to assets | -11.5940% | 6,346 |
| Return on assets (ROA) | -10.1398% | 6,346 |
| Pretax return on assets | -10.1409% | 6,346 |
| Return on Equity (ROE) | -114.7615% | 6,341 |
| Retained earnings to average equity (ytd only) | -114.7615% | 6,341 |
| Net charge-offs to loans | 0.0888% | 2,147 |
| Credit loss provision to net charge-offs | 384.6154% | 763 |
| Earnings coverage of net charge-offs (x) | -299.3750% | 3,890 |
| Efficiency ratio | -66.5696% | 6,344 |
| Assets per employee ($millions) | 16.4520% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 2,690 |
| Noncurrent loans to loans | 4.8944% | 242 |
| Net loans and leases to total assets | 17.5521% | 6,235 |
| Net loans and leases to deposits | 19.8669% | 6,252 |
| Net loans and leases to core deposits | 231.1366% | 38 |
| Total domestic deposits to total assets | 88.3485% | 1,469 |
| Equity capital to assets | 10.2486% | 3,749 |
| Core capital (leverage) ratio | 7.2139% | 6,151 |
| Tier 1 risk-based capital ratio | 65.6255% | 85 |
| Total risk-based capital ratio | 65.6255% | 88 |
| Memoranda: | ||
| Average total assets | $543,937,330 | 1,261 |
| Average earning assets | $536,594,670 | 1,183 |
| Average equity | $48,059,670 | 1,562 |
| Average total loans | $234,178,330 | 1,848 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0824% | 5,802 |
| Cost of funding earning assets | 0.4419% | 2,860 |
| Net interest margin | 2.6405% | 5,876 |
| Noninterest income to average assets | -8.3656% | 6,419 |
| Noninterest expense to average assets | 8.3736% | 111 |
| Loan and lease loss provision to assets | 0.2488% | 670 |
| Net operating income to assets | -14.3865% | 6,417 |
| Return on assets (ROA) | -12.4535% | 6,417 |
| Pretax return on assets | -12.4535% | 6,416 |
| Return on Equity (ROE) | -147.2745% | 6,411 |
| Retained earnings to average equity (ytd only) | -147.2745% | 6,410 |
| Net charge-offs to loans | 0.1296% | 1,476 |
| Credit loss provision to net charge-offs | 384.6154% | 679 |
| Earnings coverage of net charge-offs (x) | -218.5769% | 3,284 |
| Efficiency ratio | -31.4739% | 6,414 |
| Assets per employee ($millions) | 13.3777% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 4,571 |
| Noncurrent loans to loans | 0.5792% | 3,845 |
| Net loans and leases to total assets | 55.6758% | 4,239 |
| Net loans and leases to deposits | 60.6587% | 4,695 |
| Net loans and leases to core deposits | 832.5838% | 16 |
| Total domestic deposits to total assets | 91.7854% | 178 |
| Equity capital to assets | 7.6714% | 6,133 |
| Core capital (leverage) ratio | 6.1640% | 6,322 |
| Tier 1 risk-based capital ratio | 13.7480% | 4,190 |
| Total risk-based capital ratio | 13.7480% | 4,818 |
| Memoranda: | ||
| Average total assets | $643,160,500 | 1,081 |
| Average earning assets | $633,670,500 | 1,012 |
| Average equity | $54,385,500 | 1,401 |
| Average total loans | $320,947,000 | 1,395 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2364% | 5,788 |
| Cost of funding earning assets | 0.3493% | 4,263 |
| Net interest margin | 2.8871% | 5,670 |
| Noninterest income to average assets | 0.3977% | 4,196 |
| Noninterest expense to average assets | 1.5966% | 6,239 |
| Loan and lease loss provision to assets | 0.3051% | 673 |
| Net operating income to assets | 1.3215% | 1,263 |
| Return on assets (ROA) | 1.3215% | 1,303 |
| Pretax return on assets | 1.3087% | 2,211 |
| Return on Equity (ROE) | 12.9799% | 1,145 |
| Retained earnings to average equity (ytd only) | 12.9799% | 226 |
| Net charge-offs to loans | 0.1696% | 2,336 |
| Credit loss provision to net charge-offs | 386.3636% | 674 |
| Earnings coverage of net charge-offs (x) | 20.4364% | 1,725 |
| Efficiency ratio | 49.0441% | 6,142 |
| Assets per employee ($millions) | 13.6746% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6906% | 6,007 |
| Loan loss allowance to noncurrent loans | 168.1302% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 5,215 |
| Noncurrent loans to loans | 0.4107% | 4,412 |
| Net loans and leases to total assets | 44.9180% | 5,410 |
| Net loans and leases to deposits | 49.6733% | 5,598 |
| Net loans and leases to core deposits | 1,121.1057% | 13 |
| Total domestic deposits to total assets | 90.4270% | 568 |
| Equity capital to assets | 9.0907% | 5,194 |
| Core capital (leverage) ratio | 7.6192% | 6,161 |
| Tier 1 risk-based capital ratio | 15.2487% | 3,350 |
| Total risk-based capital ratio | 15.8839% | 3,630 |
| Memoranda: | ||
| Average total assets | $557,181,400 | 1,199 |
| Average earning assets | $542,822,400 | 1,114 |
| Average equity | $56,726,200 | 1,293 |
| Average total loans | $259,452,000 | 1,635 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3488% | 5,676 |
| Cost of funding earning assets | 0.3100% | 4,782 |
| Net interest margin | 3.0388% | 5,408 |
| Noninterest income to average assets | 0.4359% | 3,984 |
| Noninterest expense to average assets | 1.7289% | 6,184 |
| Loan and lease loss provision to assets | 0.3059% | 633 |
| Net operating income to assets | 1.3988% | 1,134 |
| Return on assets (ROA) | 1.3988% | 1,176 |
| Pretax return on assets | 1.3569% | 2,164 |
| Return on Equity (ROE) | 13.2533% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.2533% | 302 |
| Net charge-offs to loans | 0.1432% | 2,366 |
| Credit loss provision to net charge-offs | 454.1985% | 628 |
| Earnings coverage of net charge-offs (x) | 24.6912% | 1,532 |
| Efficiency ratio | 50.0417% | 6,102 |
| Assets per employee ($millions) | 13.7114% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6397% | 6,174 |
| Loan loss allowance to noncurrent loans | 336.4437% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 5,770 |
| Noncurrent loans to loans | 0.1901% | 5,338 |
| Net loans and leases to total assets | 42.4490% | 5,640 |
| Net loans and leases to deposits | 47.4685% | 5,796 |
| Net loans and leases to core deposits | 2,874.6659% | 11 |
| Total domestic deposits to total assets | 89.4256% | 1,015 |
| Equity capital to assets | 8.7721% | 5,573 |
| Core capital (leverage) ratio | 7.4557% | 6,298 |
| Tier 1 risk-based capital ratio | 15.8710% | 3,114 |
| Total risk-based capital ratio | 16.4612% | 3,412 |
| Memoranda: | ||
| Average total assets | $518,706,750 | 1,309 |
| Average earning assets | $504,527,000 | 1,227 |
| Average equity | $54,747,250 | 1,340 |
| Average total loans | $243,909,000 | 1,740 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 5,324 |
| Cost of funding earning assets | 0.2022% | 5,891 |
| Net interest margin | 3.3336% | 4,456 |
| Noninterest income to average assets | 0.4885% | 3,566 |
| Noninterest expense to average assets | 1.8368% | 6,092 |
| Loan and lease loss provision to assets | 0.2094% | 1,137 |
| Net operating income to assets | 1.6719% | 614 |
| Return on assets (ROA) | 1.6719% | 649 |
| Pretax return on assets | 1.6719% | 1,080 |
| Return on Equity (ROE) | 14.5883% | 859 |
| Retained earnings to average equity (ytd only) | 14.5883% | 234 |
| Net charge-offs to loans | 0.1436% | 2,239 |
| Credit loss provision to net charge-offs | 296.2963% | 870 |
| Earnings coverage of net charge-offs (x) | 26.6235% | 1,364 |
| Efficiency ratio | 49.1319% | 6,218 |
| Assets per employee ($millions) | 10.4490% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4700% | 6,444 |
| Loan loss allowance to noncurrent loans | 132.7696% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 5,536 |
| Noncurrent loans to loans | 0.3540% | 4,936 |
| Net loans and leases to total assets | 48.9532% | 5,087 |
| Net loans and leases to deposits | 55.0577% | 5,277 |
| Net loans and leases to core deposits | 1,555.4795% | 13 |
| Total domestic deposits to total assets | 88.9125% | 1,407 |
| Equity capital to assets | 10.2838% | 3,718 |
| Core capital (leverage) ratio | 8.3981% | 5,743 |
| Tier 1 risk-based capital ratio | 15.5307% | 3,341 |
| Total risk-based capital ratio | 15.9662% | 3,750 |
| Memoranda: | ||
| Average total assets | $458,515,000 | 1,464 |
| Average earning assets | $444,203,330 | 1,392 |
| Average equity | $52,549,000 | 1,386 |
| Average total loans | $225,629,000 | 1,860 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 5,183 |
| Cost of funding earning assets | 0.5875% | 2,093 |
| Net interest margin | 3.0064% | 5,507 |
| Noninterest income to average assets | 0.5624% | 2,967 |
| Noninterest expense to average assets | 2.0899% | 5,703 |
| Loan and lease loss provision to assets | 0.3172% | 584 |
| Net operating income to assets | 1.0574% | 1,974 |
| Return on assets (ROA) | 1.0574% | 2,047 |
| Pretax return on assets | 1.0574% | 3,095 |
| Return on Equity (ROE) | 8.6469% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.6469% | 1,363 |
| Net charge-offs to loans | 0.1484% | 1,830 |
| Credit loss provision to net charge-offs | 434.2105% | 610 |
| Earnings coverage of net charge-offs (x) | 18.8158% | 1,405 |
| Efficiency ratio | 60.0166% | 5,406 |
| Assets per employee ($millions) | 7.4823% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5432% | 6,465 |
| Loan loss allowance to noncurrent loans | 105.5062% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 5,410 |
| Noncurrent loans to loans | 0.5148% | 4,628 |
| Net loans and leases to total assets | 47.6578% | 5,171 |
| Net loans and leases to deposits | 54.3691% | 5,251 |
| Net loans and leases to core deposits | 1,545.0032% | 13 |
| Total domestic deposits to total assets | 87.6560% | 2,428 |
| Equity capital to assets | 11.3167% | 2,403 |
| Core capital (leverage) ratio | 9.4213% | 4,389 |
| Tier 1 risk-based capital ratio | 17.7955% | 2,377 |
| Total risk-based capital ratio | 18.2982% | 2,621 |
| Memoranda: | ||
| Average total assets | $416,097,500 | 1,611 |
| Average earning assets | $401,678,500 | 1,528 |
| Average equity | $50,885,000 | 1,424 |
| Average total loans | $204,822,000 | 2,015 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 2,103 |
| Cost of funding earning assets | 0.5295% | 3,290 |
| Net interest margin | 3.9973% | 1,951 |
| Noninterest income to average assets | 0.7625% | 2,246 |
| Noninterest expense to average assets | 3.4924% | 1,674 |
| Loan and lease loss provision to assets | 0.3583% | 873 |
| Net operating income to assets | 0.6768% | 3,909 |
| Return on assets (ROA) | 0.6768% | 4,001 |
| Pretax return on assets | 0.7052% | 4,523 |
| Return on Equity (ROE) | 3.8806% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.8806% | 3,443 |
| Net charge-offs to loans | 0.2672% | 2,362 |
| Credit loss provision to net charge-offs | 232.1053% | 988 |
| Earnings coverage of net charge-offs (x) | 6.8895% | 2,957 |
| Efficiency ratio | 76.1569% | 2,748 |
| Assets per employee ($millions) | 5.3682% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4038% | 6,638 |
| Loan loss allowance to noncurrent loans | 68.7779% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 5,332 |
| Noncurrent loans to loans | 0.5871% | 4,518 |
| Net loans and leases to total assets | 50.6062% | 5,015 |
| Net loans and leases to deposits | 59.0713% | 5,028 |
| Net loans and leases to core deposits | 147.2678% | 107 |
| Total domestic deposits to total assets | 85.6698% | 3,417 |
| Equity capital to assets | 13.3373% | 1,127 |
| Core capital (leverage) ratio | 11.1491% | 2,237 |
| Tier 1 risk-based capital ratio | 20.2175% | 1,608 |
| Total risk-based capital ratio | 20.6000% | 1,788 |
| Memoranda: | ||
| Average total assets | $246,164,200 | 2,567 |
| Average earning assets | $233,610,200 | 2,484 |
| Average equity | $42,931,000 | 1,634 |
| Average total loans | $142,215,400 | 2,665 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 980 |
| Cost of funding earning assets | 0.5377% | 3,381 |
| Net interest margin | 4.4410% | 819 |
| Noninterest income to average assets | 1.1938% | 1,033 |
| Noninterest expense to average assets | 4.0193% | 839 |
| Loan and lease loss provision to assets | 0.3474% | 930 |
| Net operating income to assets | 0.9718% | 2,500 |
| Return on assets (ROA) | 0.9718% | 2,599 |
| Pretax return on assets | 1.0154% | 3,448 |
| Return on Equity (ROE) | 5.0500% | 4,698 |
| Retained earnings to average equity (ytd only) | 5.0500% | 3,043 |
| Net charge-offs to loans | 0.2984% | 2,046 |
| Credit loss provision to net charge-offs | 191.4089% | 1,261 |
| Earnings coverage of net charge-offs (x) | 7.5086% | 2,785 |
| Efficiency ratio | 74.1685% | 3,035 |
| Assets per employee ($millions) | 3.7861% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3483% | 6,751 |
| Loan loss allowance to noncurrent loans | 42.9719% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 4,989 |
| Noncurrent loans to loans | 0.8106% | 4,213 |
| Net loans and leases to total assets | 56.9371% | 4,180 |
| Net loans and leases to deposits | 71.4569% | 3,577 |
| Net loans and leases to core deposits | 137.3886% | 131 |
| Total domestic deposits to total assets | 79.6804% | 5,587 |
| Equity capital to assets | 18.8123% | 275 |
| Core capital (leverage) ratio | 15.7094% | 537 |
| Tier 1 risk-based capital ratio | 25.6074% | 817 |
| Total risk-based capital ratio | 25.9447% | 892 |
| Memoranda: | ||
| Average total assets | $213,762,250 | 2,902 |
| Average earning assets | $201,602,750 | 2,829 |
| Average equity | $41,134,250 | 1,712 |
| Average total loans | $130,035,500 | 2,881 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4745% | 390 |
| Cost of funding earning assets | 0.5421% | 3,483 |
| Net interest margin | 4.9324% | 346 |
| Noninterest income to average assets | 1.3541% | 855 |
| Noninterest expense to average assets | 4.3836% | 583 |
| Loan and lease loss provision to assets | 0.3480% | 959 |
| Net operating income to assets | 1.1883% | 1,620 |
| Return on assets (ROA) | 1.1883% | 1,729 |
| Pretax return on assets | 1.2599% | 2,449 |
| Return on Equity (ROE) | 6.1123% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.1123% | 2,368 |
| Net charge-offs to loans | 0.3978% | 1,622 |
| Credit loss provision to net charge-offs | 139.9177% | 1,623 |
| Earnings coverage of net charge-offs (x) | 6.4650% | 2,711 |
| Efficiency ratio | 72.5999% | 3,373 |
| Assets per employee ($millions) | 3.2298% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2438% | 6,824 |
| Loan loss allowance to noncurrent loans | 43.1472% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 5,385 |
| Noncurrent loans to loans | 0.5651% | 4,851 |
| Net loans and leases to total assets | 60.6662% | 3,545 |
| Net loans and leases to deposits | 79.2648% | 2,426 |
| Net loans and leases to core deposits | 117.6865% | 358 |
| Total domestic deposits to total assets | 76.5361% | 6,190 |
| Equity capital to assets | 21.6393% | 148 |
| Core capital (leverage) ratio | 18.4763% | 252 |
| Tier 1 risk-based capital ratio | 28.3766% | 610 |
| Total risk-based capital ratio | 28.6144% | 656 |
| Memoranda: | ||
| Average total assets | $195,411,670 | 3,131 |
| Average earning assets | $183,724,670 | 3,066 |
| Average equity | $37,989,000 | 1,847 |
| Average total loans | $122,184,000 | 3,019 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 281 |
| Cost of funding earning assets | 0.6215% | 2,908 |
| Net interest margin | 5.0596% | 260 |
| Noninterest income to average assets | 1.5488% | 642 |
| Noninterest expense to average assets | 4.9109% | 391 |
| Loan and lease loss provision to assets | 0.1793% | 2,071 |
| Net operating income to assets | 1.0826% | 1,926 |
| Return on assets (ROA) | 1.0826% | 2,035 |
| Pretax return on assets | 1.2395% | 2,434 |
| Return on Equity (ROE) | 6.0051% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.0051% | 2,674 |
| Net charge-offs to loans | 0.6376% | 961 |
| Credit loss provision to net charge-offs | 44.1989% | 2,699 |
| Earnings coverage of net charge-offs (x) | 3.4972% | 2,755 |
| Efficiency ratio | 76.8059% | 2,794 |
| Assets per employee ($millions) | 2.7821% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0678% | 6,950 |
| Loan loss allowance to noncurrent loans | 7.6118% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 4,952 |
| Noncurrent loans to loans | 0.8912% | 4,355 |
| Net loans and leases to total assets | 61.3924% | 3,192 |
| Net loans and leases to deposits | 85.9742% | 1,358 |
| Net loans and leases to core deposits | 110.7831% | 473 |
| Total domestic deposits to total assets | 71.4079% | 6,686 |
| Equity capital to assets | 25.8457% | 85 |
| Core capital (leverage) ratio | 21.8817% | 139 |
| Tier 1 risk-based capital ratio | 34.0161% | 377 |
| Total risk-based capital ratio | 34.0844% | 406 |
| Memoranda: | ||
| Average total assets | $178,460,500 | 3,363 |
| Average earning assets | $168,630,500 | 3,300 |
| Average equity | $32,172,500 | 2,170 |
| Average total loans | $113,548,000 | 3,218 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0312% | 255 |
| Cost of funding earning assets | 0.8692% | 2,147 |
| Net interest margin | 5.1621% | 290 |
| Noninterest income to average assets | 0.9802% | 1,595 |
| Noninterest expense to average assets | 4.8017% | 436 |
| Loan and lease loss provision to assets | 0.2291% | 2,839 |
| Net operating income to assets | 0.6052% | 4,217 |
| Return on assets (ROA) | 0.7434% | 3,782 |
| Pretax return on assets | 1.1259% | 3,065 |
| Return on Equity (ROE) | 8.2963% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.2963% | 1,034 |
| Net charge-offs to loans | 0.4811% | 2,317 |
| Credit loss provision to net charge-offs | 74.8441% | 4,015 |
| Earnings coverage of net charge-offs (x) | 3.7422% | 3,621 |
| Efficiency ratio | 78.5531% | 2,353 |
| Assets per employee ($millions) | 2.3234% | 6,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 5,876 |
| Loan loss allowance to noncurrent loans | 117.1548% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 4,924 |
| Noncurrent loans to loans | 0.8757% | 4,426 |
| Net loans and leases to total assets | 65.4987% | 2,609 |
| Net loans and leases to deposits | 78.1097% | 2,512 |
| Net loans and leases to core deposits | 92.0496% | 1,631 |
| Total domestic deposits to total assets | 83.8548% | 4,383 |
| Equity capital to assets | 8.9301% | 5,603 |
| Core capital (leverage) ratio | 8.4886% | 5,628 |
| Tier 1 risk-based capital ratio | 12.7819% | 5,268 |
| Total risk-based capital ratio | 13.8067% | 5,387 |
| Memoranda: | ||
| Average total assets | $157,112,200 | 3,668 |
| Average earning assets | $151,180,000 | 3,527 |
| Average equity | $14,078,600 | 4,140 |
| Average total loans | $99,969,200 | 3,524 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3427% | 169 |
| Cost of funding earning assets | 0.9364% | 1,945 |
| Net interest margin | 5.4063% | 201 |
| Noninterest income to average assets | 0.9023% | 1,816 |
| Noninterest expense to average assets | 4.9130% | 381 |
| Loan and lease loss provision to assets | 0.2183% | 2,878 |
| Net operating income to assets | 0.6444% | 4,175 |
| Return on assets (ROA) | 0.6755% | 4,292 |
| Pretax return on assets | 1.0123% | 3,663 |
| Return on Equity (ROE) | 7.5310% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.5310% | 1,840 |
| Net charge-offs to loans | 0.5870% | 1,868 |
| Credit loss provision to net charge-offs | 59.0698% | 4,170 |
| Earnings coverage of net charge-offs (x) | 3.2047% | 3,747 |
| Efficiency ratio | 78.8584% | 2,253 |
| Assets per employee ($millions) | 2.2533% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 5,855 |
| Loan loss allowance to noncurrent loans | 120.3390% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 5,084 |
| Noncurrent loans to loans | 0.8807% | 4,665 |
| Net loans and leases to total assets | 67.8829% | 2,317 |
| Net loans and leases to deposits | 87.7924% | 1,377 |
| Net loans and leases to core deposits | 97.1982% | 1,321 |
| Total domestic deposits to total assets | 77.3221% | 6,188 |
| Equity capital to assets | 9.8864% | 4,659 |
| Core capital (leverage) ratio | 9.2566% | 4,669 |
| Tier 1 risk-based capital ratio | 13.1458% | 5,132 |
| Total risk-based capital ratio | 14.1816% | 5,274 |
| Memoranda: | ||
| Average total assets | $155,150,500 | 3,732 |
| Average earning assets | $149,080,250 | 3,605 |
| Average equity | $13,915,500 | 4,210 |
| Average total loans | $97,670,000 | 3,618 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 227 |
| Cost of funding earning assets | 0.9929% | 1,806 |
| Net interest margin | 5.1874% | 296 |
| Noninterest income to average assets | 0.7428% | 2,456 |
| Noninterest expense to average assets | 4.6366% | 485 |
| Loan and lease loss provision to assets | 0.2708% | 2,419 |
| Net operating income to assets | 0.5532% | 4,567 |
| Return on assets (ROA) | 0.5644% | 4,800 |
| Pretax return on assets | 0.8301% | 4,358 |
| Return on Equity (ROE) | 6.4980% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.4980% | 2,383 |
| Net charge-offs to loans | 0.4549% | 2,239 |
| Credit loss provision to net charge-offs | 97.2727% | 2,850 |
| Earnings coverage of net charge-offs (x) | 3.8955% | 3,239 |
| Efficiency ratio | 79.6948% | 2,234 |
| Assets per employee ($millions) | 2.3318% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,139 |
| Loan loss allowance to noncurrent loans | 222.7437% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 5,820 |
| Noncurrent loans to loans | 0.5593% | 5,392 |
| Net loans and leases to total assets | 63.5614% | 3,131 |
| Net loans and leases to deposits | 75.5608% | 3,047 |
| Net loans and leases to core deposits | 82.9062% | 2,839 |
| Total domestic deposits to total assets | 84.1196% | 4,266 |
| Equity capital to assets | 9.1189% | 5,562 |
| Core capital (leverage) ratio | 8.5560% | 5,578 |
| Tier 1 risk-based capital ratio | 12.6099% | 5,488 |
| Total risk-based capital ratio | 13.7955% | 5,518 |
| Memoranda: | ||
| Average total assets | $158,046,000 | 3,701 |
| Average earning assets | $151,674,330 | 3,569 |
| Average equity | $13,727,330 | 4,251 |
| Average total loans | $96,730,330 | 3,650 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0544% | 285 |
| Cost of funding earning assets | 0.9947% | 2,012 |
| Net interest margin | 5.0597% | 360 |
| Noninterest income to average assets | 0.7844% | 2,237 |
| Noninterest expense to average assets | 4.5116% | 549 |
| Loan and lease loss provision to assets | 0.4746% | 1,286 |
| Net operating income to assets | 0.4444% | 5,060 |
| Return on assets (ROA) | 0.4672% | 5,164 |
| Pretax return on assets | 0.6720% | 4,878 |
| Return on Equity (ROE) | 5.5105% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.5105% | 3,249 |
| Net charge-offs to loans | 0.8413% | 1,225 |
| Credit loss provision to net charge-offs | 94.5274% | 2,466 |
| Earnings coverage of net charge-offs (x) | 2.2189% | 3,278 |
| Efficiency ratio | 78.8188% | 2,376 |
| Assets per employee ($millions) | 2.4436% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 5,130 |
| Loan loss allowance to noncurrent loans | 141.5899% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 5,224 |
| Noncurrent loans to loans | 0.9010% | 4,866 |
| Net loans and leases to total assets | 59.8787% | 3,694 |
| Net loans and leases to deposits | 70.2715% | 3,696 |
| Net loans and leases to core deposits | 79.3051% | 3,137 |
| Total domestic deposits to total assets | 85.2105% | 3,929 |
| Equity capital to assets | 8.6177% | 5,970 |
| Core capital (leverage) ratio | 8.1025% | 6,154 |
| Tier 1 risk-based capital ratio | 12.4604% | 5,638 |
| Total risk-based capital ratio | 13.6543% | 5,640 |
| Memoranda: | ||
| Average total assets | $160,119,000 | 3,687 |
| Average earning assets | $153,212,000 | 3,560 |
| Average equity | $13,574,000 | 4,285 |
| Average total loans | $95,568,000 | 3,697 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8215% | 614 |
| Cost of funding earning assets | 1.0108% | 3,297 |
| Net interest margin | 4.8106% | 606 |
| Noninterest income to average assets | 1.4212% | 645 |
| Noninterest expense to average assets | 4.6827% | 499 |
| Loan and lease loss provision to assets | 0.6327% | 1,614 |
| Net operating income to assets | 0.4765% | 4,521 |
| Return on assets (ROA) | 0.6558% | 3,907 |
| Pretax return on assets | 0.9470% | 3,439 |
| Return on Equity (ROE) | 7.3994% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.3994% | 1,315 |
| Net charge-offs to loans | 0.7589% | 2,257 |
| Credit loss provision to net charge-offs | 140.2715% | 2,103 |
| Earnings coverage of net charge-offs (x) | 2.9261% | 3,743 |
| Efficiency ratio | 77.4000% | 2,678 |
| Assets per employee ($millions) | 2.4090% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 5,820 |
| Loan loss allowance to noncurrent loans | 143.9834% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 5,558 |
| Noncurrent loans to loans | 0.7627% | 5,167 |
| Net loans and leases to total assets | 58.0891% | 4,354 |
| Net loans and leases to deposits | 71.0356% | 3,946 |
| Net loans and leases to core deposits | 80.5694% | 3,376 |
| Total domestic deposits to total assets | 81.7747% | 5,200 |
| Equity capital to assets | 8.3394% | 6,313 |
| Core capital (leverage) ratio | 7.9553% | 6,307 |
| Tier 1 risk-based capital ratio | 12.8596% | 5,189 |
| Total risk-based capital ratio | 13.9078% | 5,313 |
| Memoranda: | ||
| Average total assets | $146,986,400 | 3,858 |
| Average earning assets | $139,981,800 | 3,746 |
| Average equity | $13,028,000 | 4,337 |
| Average total loans | $87,363,600 | 3,927 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8568% | 611 |
| Cost of funding earning assets | 1.0373% | 3,410 |
| Net interest margin | 4.8195% | 604 |
| Noninterest income to average assets | 1.1205% | 1,057 |
| Noninterest expense to average assets | 4.5769% | 538 |
| Loan and lease loss provision to assets | 0.5719% | 1,717 |
| Net operating income to assets | 0.3995% | 5,010 |
| Return on assets (ROA) | 0.6481% | 4,056 |
| Pretax return on assets | 0.9197% | 3,686 |
| Return on Equity (ROE) | 7.1928% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.1928% | 1,868 |
| Net charge-offs to loans | 0.6502% | 2,300 |
| Credit loss provision to net charge-offs | 147.4820% | 2,131 |
| Earnings coverage of net charge-offs (x) | 2.9304% | 3,681 |
| Efficiency ratio | 79.8665% | 2,267 |
| Assets per employee ($millions) | 2.2232% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 6,047 |
| Loan loss allowance to noncurrent loans | 110.6940% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 5,410 |
| Noncurrent loans to loans | 0.9486% | 4,986 |
| Net loans and leases to total assets | 62.4925% | 3,613 |
| Net loans and leases to deposits | 82.7623% | 2,213 |
| Net loans and leases to core deposits | 96.7073% | 1,535 |
| Total domestic deposits to total assets | 75.5084% | 6,590 |
| Equity capital to assets | 9.0576% | 5,679 |
| Core capital (leverage) ratio | 8.6008% | 5,550 |
| Tier 1 risk-based capital ratio | 13.1705% | 4,973 |
| Total risk-based capital ratio | 14.1929% | 5,112 |
| Memoranda: | ||
| Average total assets | $143,382,500 | 3,937 |
| Average earning assets | $136,636,000 | 3,823 |
| Average equity | $12,920,000 | 4,367 |
| Average total loans | $85,505,000 | 4,020 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7848% | 736 |
| Cost of funding earning assets | 1.0823% | 3,374 |
| Net interest margin | 4.7024% | 721 |
| Noninterest income to average assets | 0.9447% | 1,485 |
| Noninterest expense to average assets | 4.4339% | 644 |
| Loan and lease loss provision to assets | 0.5483% | 1,770 |
| Net operating income to assets | 0.3086% | 5,339 |
| Return on assets (ROA) | 0.6776% | 3,774 |
| Pretax return on assets | 0.9728% | 3,346 |
| Return on Equity (ROE) | 7.5332% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.5332% | 1,645 |
| Net charge-offs to loans | 0.5582% | 2,430 |
| Credit loss provision to net charge-offs | 168.1034% | 1,798 |
| Earnings coverage of net charge-offs (x) | 3.0474% | 3,330 |
| Efficiency ratio | 81.4297% | 2,181 |
| Assets per employee ($millions) | 2.1468% | 7,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 6,115 |
| Loan loss allowance to noncurrent loans | 61.5842% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 4,492 |
| Noncurrent loans to loans | 1.7143% | 3,867 |
| Net loans and leases to total assets | 62.6624% | 3,752 |
| Net loans and leases to deposits | 83.4671% | 2,187 |
| Net loans and leases to core deposits | 97.3861% | 1,546 |
| Total domestic deposits to total assets | 75.0743% | 6,719 |
| Equity capital to assets | 9.3140% | 5,117 |
| Core capital (leverage) ratio | 8.8755% | 4,921 |
| Tier 1 risk-based capital ratio | 13.3553% | 4,646 |
| Total risk-based capital ratio | 14.3679% | 4,801 |
| Memoranda: | ||
| Average total assets | $142,267,330 | 3,987 |
| Average earning assets | $135,632,000 | 3,869 |
| Average equity | $12,796,670 | 4,387 |
| Average total loans | $83,117,670 | 4,122 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 833 |
| Cost of funding earning assets | 1.1390% | 3,237 |
| Net interest margin | 4.5911% | 876 |
| Noninterest income to average assets | 1.2003% | 886 |
| Noninterest expense to average assets | 4.4587% | 619 |
| Loan and lease loss provision to assets | 0.5291% | 1,643 |
| Net operating income to assets | 0.4177% | 4,868 |
| Return on assets (ROA) | 0.4177% | 4,961 |
| Pretax return on assets | 0.5793% | 4,763 |
| Return on Equity (ROE) | 4.7257% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.7257% | 3,366 |
| Net charge-offs to loans | 0.2336% | 3,142 |
| Credit loss provision to net charge-offs | 404.2553% | 833 |
| Earnings coverage of net charge-offs (x) | 8.4681% | 1,821 |
| Efficiency ratio | 79.8399% | 2,566 |
| Assets per employee ($millions) | 2.3516% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 5,855 |
| Loan loss allowance to noncurrent loans | 76.6082% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.0886% | 4,744 |
| Noncurrent loans to loans | 1.4992% | 4,223 |
| Net loans and leases to total assets | 55.9353% | 5,001 |
| Net loans and leases to deposits | 72.1681% | 4,052 |
| Net loans and leases to core deposits | 82.9389% | 3,320 |
| Total domestic deposits to total assets | 77.5070% | 6,446 |
| Equity capital to assets | 8.9789% | 5,231 |
| Core capital (leverage) ratio | 8.5319% | 5,386 |
| Tier 1 risk-based capital ratio | 13.7572% | 4,239 |
| Total risk-based capital ratio | 14.8120% | 4,348 |
| Memoranda: | ||
| Average total assets | $143,629,500 | 4,002 |
| Average earning assets | $136,612,000 | 3,883 |
| Average equity | $12,696,500 | 4,402 |
| Average total loans | $80,489,500 | 4,236 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3221% | 445 |
| Cost of funding earning assets | 1.3225% | 3,735 |
| Net interest margin | 4.9996% | 431 |
| Noninterest income to average assets | 2.1095% | 362 |
| Noninterest expense to average assets | 5.4299% | 316 |
| Loan and lease loss provision to assets | 0.7820% | 2,088 |
| Net operating income to assets | 0.4645% | 4,250 |
| Return on assets (ROA) | 0.4746% | 4,371 |
| Pretax return on assets | 0.6655% | 4,107 |
| Return on Equity (ROE) | 5.3593% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.3593% | 2,211 |
| Net charge-offs to loans | 1.9098% | 1,077 |
| Credit loss provision to net charge-offs | 66.9933% | 5,933 |
| Earnings coverage of net charge-offs (x) | 1.2278% | 4,879 |
| Efficiency ratio | 78.8772% | 2,551 |
| Assets per employee ($millions) | 2.1815% | 7,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 6,560 |
| Loan loss allowance to noncurrent loans | 59.3103% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.3040% | 4,423 |
| Noncurrent loans to loans | 1.6084% | 4,091 |
| Net loans and leases to total assets | 54.9835% | 5,490 |
| Net loans and leases to deposits | 67.8077% | 5,126 |
| Net loans and leases to core deposits | 76.4733% | 4,642 |
| Total domestic deposits to total assets | 81.0874% | 5,497 |
| Equity capital to assets | 8.7054% | 5,577 |
| Core capital (leverage) ratio | 8.1420% | 5,925 |
| Tier 1 risk-based capital ratio | 13.5715% | 4,151 |
| Total risk-based capital ratio | 14.4619% | 4,398 |
| Memoranda: | ||
| Average total assets | $139,892,800 | 4,055 |
| Average earning assets | $133,010,000 | 3,956 |
| Average equity | $12,389,600 | 4,510 |
| Average total loans | $85,505,800 | 4,166 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4915% | 348 |
| Cost of funding earning assets | 1.3863% | 3,658 |
| Net interest margin | 5.1052% | 354 |
| Noninterest income to average assets | 2.0589% | 361 |
| Noninterest expense to average assets | 5.5076% | 273 |
| Loan and lease loss provision to assets | 0.7460% | 2,052 |
| Net operating income to assets | 0.4631% | 4,473 |
| Return on assets (ROA) | 0.4733% | 4,622 |
| Pretax return on assets | 0.6718% | 4,339 |
| Return on Equity (ROE) | 5.3198% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.3198% | 2,756 |
| Net charge-offs to loans | 2.0169% | 935 |
| Credit loss provision to net charge-offs | 59.0840% | 5,719 |
| Earnings coverage of net charge-offs (x) | 1.1114% | 4,946 |
| Efficiency ratio | 79.4421% | 2,428 |
| Assets per employee ($millions) | 1.8192% | 7,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 6,771 |
| Loan loss allowance to noncurrent loans | 35.9519% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 1.8606% | 3,664 |
| Noncurrent loans to loans | 2.4794% | 3,140 |
| Net loans and leases to total assets | 66.0411% | 3,682 |
| Net loans and leases to deposits | 82.9175% | 2,926 |
| Net loans and leases to core deposits | 96.3907% | 2,212 |
| Total domestic deposits to total assets | 79.6468% | 5,824 |
| Equity capital to assets | 9.5624% | 4,753 |
| Core capital (leverage) ratio | 8.9504% | 4,761 |
| Tier 1 risk-based capital ratio | 13.8192% | 3,963 |
| Total risk-based capital ratio | 14.7450% | 4,165 |
| Memoranda: | ||
| Average total assets | $138,325,500 | 4,143 |
| Average earning assets | $131,471,000 | 4,038 |
| Average equity | $12,306,000 | 4,597 |
| Average total loans | $86,597,500 | 4,209 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4605% | 361 |
| Cost of funding earning assets | 1.3959% | 3,899 |
| Net interest margin | 5.0646% | 368 |
| Noninterest income to average assets | 1.7233% | 445 |
| Noninterest expense to average assets | 5.1913% | 326 |
| Loan and lease loss provision to assets | 0.7317% | 1,985 |
| Net operating income to assets | 0.4310% | 4,619 |
| Return on assets (ROA) | 0.4461% | 4,716 |
| Pretax return on assets | 0.6308% | 4,473 |
| Return on Equity (ROE) | 5.1337% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.1337% | 2,828 |
| Net charge-offs to loans | 2.4592% | 709 |
| Credit loss provision to net charge-offs | 48.4934% | 5,453 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 4,881 |
| Efficiency ratio | 79.2084% | 2,542 |
| Assets per employee ($millions) | 1.8376% | 7,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 6,846 |
| Loan loss allowance to noncurrent loans | 36.0471% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 1.6667% | 3,936 |
| Noncurrent loans to loans | 2.4202% | 3,229 |
| Net loans and leases to total assets | 63.1519% | 4,431 |
| Net loans and leases to deposits | 78.6453% | 3,859 |
| Net loans and leases to core deposits | 92.7770% | 2,879 |
| Total domestic deposits to total assets | 80.2997% | 5,635 |
| Equity capital to assets | 8.9769% | 5,487 |
| Core capital (leverage) ratio | 8.3679% | 5,637 |
| Tier 1 risk-based capital ratio | 13.2945% | 4,213 |
| Total risk-based capital ratio | 14.1858% | 4,460 |
| Memoranda: | ||
| Average total assets | $140,773,330 | 4,122 |
| Average earning assets | $133,673,330 | 4,027 |
| Average equity | $12,233,000 | 4,615 |
| Average total loans | $86,370,000 | 4,243 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5331% | 338 |
| Cost of funding earning assets | 1.4485% | 3,890 |
| Net interest margin | 5.0846% | 356 |
| Noninterest income to average assets | 1.6619% | 462 |
| Noninterest expense to average assets | 5.1684% | 326 |
| Loan and lease loss provision to assets | 0.7142% | 1,785 |
| Net operating income to assets | 0.4176% | 4,763 |
| Return on assets (ROA) | 0.4471% | 4,757 |
| Pretax return on assets | 0.6383% | 4,459 |
| Return on Equity (ROE) | 5.2288% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.2288% | 3,026 |
| Net charge-offs to loans | 4.1236% | 317 |
| Credit loss provision to net charge-offs | 28.7656% | 4,833 |
| Earnings coverage of net charge-offs (x) | 0.5277% | 4,563 |
| Efficiency ratio | 79.5139% | 2,645 |
| Assets per employee ($millions) | 1.7516% | 7,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 7,105 |
| Loan loss allowance to noncurrent loans | 57.3345% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 4,849 |
| Noncurrent loans to loans | 1.4111% | 4,620 |
| Net loans and leases to total assets | 61.3791% | 4,883 |
| Net loans and leases to deposits | 75.7922% | 4,453 |
| Net loans and leases to core deposits | 85.3486% | 3,990 |
| Total domestic deposits to total assets | 80.9834% | 5,470 |
| Equity capital to assets | 9.0274% | 5,239 |
| Core capital (leverage) ratio | 8.3338% | 5,681 |
| Tier 1 risk-based capital ratio | 13.3049% | 4,121 |
| Total risk-based capital ratio | 14.1129% | 4,404 |
| Memoranda: | ||
| Average total assets | $142,250,000 | 4,153 |
| Average earning assets | $134,759,500 | 4,063 |
| Average equity | $12,163,500 | 4,675 |
| Average total loans | $85,654,000 | 4,334 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6251% | 536 |
| Cost of funding earning assets | 1.8908% | 3,511 |
| Net interest margin | 4.7343% | 789 |
| Noninterest income to average assets | 0.9475% | 1,760 |
| Noninterest expense to average assets | 4.3939% | 879 |
| Loan and lease loss provision to assets | 0.6808% | 3,100 |
| Net operating income to assets | 0.2659% | 4,662 |
| Return on assets (ROA) | 0.6872% | 3,052 |
| Pretax return on assets | 0.9475% | 2,768 |
| Return on Equity (ROE) | 8.9158% | 2,054 |
| Retained earnings to average equity (ytd only) | 8.9158% | 509 |
| Net charge-offs to loans | 0.6203% | 3,353 |
| Credit loss provision to net charge-offs | 188.4766% | 2,134 |
| Earnings coverage of net charge-offs (x) | 2.9102% | 3,627 |
| Efficiency ratio | 80.4483% | 2,816 |
| Assets per employee ($millions) | 1.9983% | 7,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,651 |
| Loan loss allowance to noncurrent loans | 70.1764% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 3,999 |
| Noncurrent loans to loans | 2.1564% | 3,446 |
| Net loans and leases to total assets | 57.7865% | 5,690 |
| Net loans and leases to deposits | 70.7169% | 5,508 |
| Net loans and leases to core deposits | 77.3247% | 6,313 |
| Total domestic deposits to total assets | 81.7153% | 5,060 |
| Equity capital to assets | 8.1104% | 6,451 |
| Core capital (leverage) ratio | 7.5621% | 6,727 |
| Tier 1 risk-based capital ratio | 12.7423% | 4,332 |
| Total risk-based capital ratio | 13.9923% | 4,273 |
| Memoranda: | ||
| Average total assets | $141,743,200 | 4,083 |
| Average earning assets | $134,654,800 | 3,998 |
| Average equity | $10,924,400 | 5,043 |
| Average total loans | $82,540,200 | 4,427 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6921% | 515 |
| Cost of funding earning assets | 2.0104% | 3,301 |
| Net interest margin | 4.6817% | 866 |
| Noninterest income to average assets | 0.8615% | 2,139 |
| Noninterest expense to average assets | 4.3866% | 832 |
| Loan and lease loss provision to assets | 0.6599% | 2,767 |
| Net operating income to assets | 0.2023% | 5,147 |
| Return on assets (ROA) | 0.6428% | 3,502 |
| Pretax return on assets | 0.8634% | 3,345 |
| Return on Equity (ROE) | 8.4572% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.4572% | 992 |
| Net charge-offs to loans | 0.4843% | 3,294 |
| Credit loss provision to net charge-offs | 234.4595% | 1,865 |
| Earnings coverage of net charge-offs (x) | 3.2973% | 3,587 |
| Efficiency ratio | 82.3045% | 2,540 |
| Assets per employee ($millions) | 2.5426% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 3,304 |
| Loan loss allowance to noncurrent loans | 75.1493% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.5208% | 4,085 |
| Noncurrent loans to loans | 2.0297% | 3,599 |
| Net loans and leases to total assets | 59.1538% | 5,719 |
| Net loans and leases to deposits | 78.0325% | 4,734 |
| Net loans and leases to core deposits | 86.8148% | 5,784 |
| Total domestic deposits to total assets | 75.8066% | 6,618 |
| Equity capital to assets | 8.4670% | 6,288 |
| Core capital (leverage) ratio | 7.9144% | 6,482 |
| Tier 1 risk-based capital ratio | 12.0615% | 4,918 |
| Total risk-based capital ratio | 13.3115% | 4,859 |
| Memoranda: | ||
| Average total assets | $140,211,000 | 4,130 |
| Average earning assets | $133,368,250 | 4,047 |
| Average equity | $10,657,250 | 5,155 |
| Average total loans | $81,484,500 | 4,505 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6713% | 573 |
| Cost of funding earning assets | 2.0744% | 3,396 |
| Net interest margin | 4.5970% | 958 |
| Noninterest income to average assets | 0.8825% | 2,055 |
| Noninterest expense to average assets | 4.2994% | 946 |
| Loan and lease loss provision to assets | 0.7012% | 2,325 |
| Net operating income to assets | 0.1916% | 5,293 |
| Return on assets (ROA) | 0.5199% | 4,135 |
| Pretax return on assets | 0.6927% | 4,026 |
| Return on Equity (ROE) | 7.1023% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.1023% | 1,544 |
| Net charge-offs to loans | 0.4337% | 3,072 |
| Credit loss provision to net charge-offs | 281.2500% | 1,664 |
| Earnings coverage of net charge-offs (x) | 3.8352% | 3,298 |
| Efficiency ratio | 81.5094% | 2,794 |
| Assets per employee ($millions) | 2.6585% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 3,567 |
| Loan loss allowance to noncurrent loans | 130.2863% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 5,299 |
| Noncurrent loans to loans | 1.0981% | 5,012 |
| Net loans and leases to total assets | 57.8447% | 5,987 |
| Net loans and leases to deposits | 78.7931% | 4,734 |
| Net loans and leases to core deposits | 90.8941% | 5,464 |
| Total domestic deposits to total assets | 73.4134% | 7,047 |
| Equity capital to assets | 7.9895% | 6,762 |
| Core capital (leverage) ratio | 7.4853% | 7,041 |
| Tier 1 risk-based capital ratio | 12.1429% | 4,806 |
| Total risk-based capital ratio | 13.3932% | 4,715 |
| Memoranda: | ||
| Average total assets | $141,182,000 | 4,154 |
| Average earning assets | $134,305,670 | 4,063 |
| Average equity | $10,334,670 | 5,273 |
| Average total loans | $81,154,330 | 4,554 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7068% | 575 |
| Cost of funding earning assets | 1.9213% | 4,530 |
| Net interest margin | 4.7855% | 631 |
| Noninterest income to average assets | 0.5944% | 3,586 |
| Noninterest expense to average assets | 4.4663% | 734 |
| Loan and lease loss provision to assets | 0.7076% | 1,804 |
| Net operating income to assets | -0.0260% | 6,297 |
| Return on assets (ROA) | 0.5038% | 4,589 |
| Pretax return on assets | 0.6963% | 4,445 |
| Return on Equity (ROE) | 7.2112% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.2112% | 2,127 |
| Net charge-offs to loans | 0.3732% | 2,595 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 3.1467% | 3,271 |
| Efficiency ratio | 86.7696% | 1,986 |
| Assets per employee ($millions) | 2.2883% | 7,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 4,324 |
| Loan loss allowance to noncurrent loans | 249.7596% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 5,880 |
| Noncurrent loans to loans | 0.5058% | 6,163 |
| Net loans and leases to total assets | 56.3352% | 6,192 |
| Net loans and leases to deposits | 73.1658% | 5,592 |
| Net loans and leases to core deposits | 85.9262% | 5,909 |
| Total domestic deposits to total assets | 76.9967% | 6,278 |
| Equity capital to assets | 7.6719% | 7,202 |
| Core capital (leverage) ratio | 7.1736% | 7,508 |
| Tier 1 risk-based capital ratio | 12.0823% | 4,893 |
| Total risk-based capital ratio | 13.3049% | 4,810 |
| Memoranda: | ||
| Average total assets | $141,324,000 | 4,162 |
| Average earning assets | $134,072,500 | 4,070 |
| Average equity | $9,873,500 | 5,421 |
| Average total loans | $80,389,000 | 4,599 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2100% | 721 |
| Cost of funding earning assets | 2.5794% | 3,799 |
| Net interest margin | 4.6306% | 1,096 |
| Noninterest income to average assets | 0.8770% | 2,071 |
| Noninterest expense to average assets | 5.4040% | 526 |
| Loan and lease loss provision to assets | 0.7390% | 2,007 |
| Net operating income to assets | -0.5792% | 6,987 |
| Return on assets (ROA) | 0.4347% | 4,834 |
| Pretax return on assets | 0.6931% | 4,422 |
| Return on Equity (ROE) | 6.0216% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.0216% | 1,525 |
| Net charge-offs to loans | 0.6617% | 1,873 |
| Credit loss provision to net charge-offs | 182.2680% | 2,739 |
| Earnings coverage of net charge-offs (x) | -0.3753% | 6,447 |
| Efficiency ratio | 102.6902% | 898 |
| Assets per employee ($millions) | 2.0670% | 7,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,293 |
| Loan loss allowance to noncurrent loans | 144.7236% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 5,100 |
| Noncurrent loans to loans | 0.7603% | 5,137 |
| Net loans and leases to total assets | 56.0786% | 6,433 |
| Net loans and leases to deposits | 68.2266% | 6,438 |
| Net loans and leases to core deposits | 76.4847% | 6,835 |
| Total domestic deposits to total assets | 82.1946% | 4,124 |
| Equity capital to assets | 6.2728% | 8,000 |
| Core capital (leverage) ratio | 6.2674% | 8,000 |
| Tier 1 risk-based capital ratio | 10.4540% | 6,255 |
| Total risk-based capital ratio | 11.4947% | 6,339 |
| Memoranda: | ||
| Average total assets | $119,615,000 | 4,535 |
| Average earning assets | $113,009,400 | 4,447 |
| Average equity | $8,635,600 | 5,863 |
| Average total loans | $73,299,800 | 4,760 |