Home > Coastway Community Bank > Performance and Condition Ratios
Coastway Community Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 3,614 |
| Cost of funding earning assets | 1.0835% | 426 |
| Net interest margin | 3.0236% | 4,817 |
| Noninterest income to average assets | 0.9279% | 1,115 |
| Noninterest expense to average assets | 2.6192% | 3,230 |
| Loan and lease loss provision to assets | 0.1142% | 1,776 |
| Net operating income to assets | 0.6846% | 4,275 |
| Return on assets (ROA) | 0.6846% | 4,287 |
| Pretax return on assets | 0.9631% | 3,839 |
| Return on Equity (ROE) | 8.4502% | 3,355 |
| Retained earnings to average equity (ytd only) | 8.4502% | 1,447 |
| Net charge-offs to loans | 0.0241% | 2,652 |
| Credit loss provision to net charge-offs | 548.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 51.7128% | 1,151 |
| Efficiency ratio | 70.8566% | 2,063 |
| Assets per employee ($millions) | 6.1019% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4748% | 5,217 |
| Loan loss allowance to noncurrent loans | 62.9864% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 2,225 |
| Noncurrent loans to loans | 0.7538% | 2,202 |
| Net loans and leases to total assets | 86.6301% | 213 |
| Net loans and leases to deposits | 148.0478% | 15 |
| Net loans and leases to core deposits | 155.8732% | 102 |
| Total domestic deposits to total assets | 58.5150% | 5,405 |
| Equity capital to assets | 8.0825% | 5,147 |
| Core capital (leverage) ratio | 8.2254% | 5,234 |
| Tier 1 risk-based capital ratio | 12.1404% | 4,419 |
| Total risk-based capital ratio | 12.7592% | 4,673 |
| Memoranda: | ||
| Average total assets | $800,023,750 | 949 |
| Average earning assets | $732,523,500 | 956 |
| Average equity | $64,817,750 | 1,237 |
| Average total loans | $690,831,750 | 797 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,659 |
| Cost of funding earning assets | 1.0152% | 439 |
| Net interest margin | 3.0221% | 4,844 |
| Noninterest income to average assets | 0.9109% | 1,153 |
| Noninterest expense to average assets | 2.6549% | 3,151 |
| Loan and lease loss provision to assets | 0.1448% | 1,325 |
| Net operating income to assets | 0.6242% | 4,426 |
| Return on assets (ROA) | 0.6242% | 4,428 |
| Pretax return on assets | 0.8743% | 4,039 |
| Return on Equity (ROE) | 7.6973% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.6973% | 1,754 |
| Net charge-offs to loans | 0.0387% | 2,077 |
| Credit loss provision to net charge-offs | 434.3511% | 773 |
| Earnings coverage of net charge-offs (x) | 30.5725% | 1,487 |
| Efficiency ratio | 72.2626% | 1,957 |
| Assets per employee ($millions) | 5.6924% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4610% | 5,308 |
| Loan loss allowance to noncurrent loans | 76.6142% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 2,666 |
| Noncurrent loans to loans | 0.6018% | 2,612 |
| Net loans and leases to total assets | 86.6402% | 216 |
| Net loans and leases to deposits | 142.8972% | 16 |
| Net loans and leases to core deposits | 149.5460% | 122 |
| Total domestic deposits to total assets | 60.6312% | 5,448 |
| Equity capital to assets | 7.9168% | 5,254 |
| Core capital (leverage) ratio | 8.2778% | 5,224 |
| Tier 1 risk-based capital ratio | 12.2782% | 4,326 |
| Total risk-based capital ratio | 12.8989% | 4,593 |
| Memoranda: | ||
| Average total assets | $786,010,000 | 965 |
| Average earning assets | $718,650,000 | 972 |
| Average equity | $63,737,000 | 1,255 |
| Average total loans | $676,788,330 | 814 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 3,771 |
| Cost of funding earning assets | 0.9396% | 487 |
| Net interest margin | 3.0176% | 4,854 |
| Noninterest income to average assets | 0.7946% | 1,475 |
| Noninterest expense to average assets | 2.7593% | 2,843 |
| Loan and lease loss provision to assets | 0.1904% | 885 |
| Net operating income to assets | 0.4307% | 4,861 |
| Return on assets (ROA) | 0.4307% | 4,868 |
| Pretax return on assets | 0.5964% | 4,694 |
| Return on Equity (ROE) | 5.2431% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.2431% | 3,063 |
| Net charge-offs to loans | 0.0737% | 1,382 |
| Credit loss provision to net charge-offs | 301.6667% | 807 |
| Earnings coverage of net charge-offs (x) | 12.4667% | 1,799 |
| Efficiency ratio | 77.8140% | 1,369 |
| Assets per employee ($millions) | 5.3791% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4695% | 5,369 |
| Loan loss allowance to noncurrent loans | 75.8455% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.0725% | 1,454 |
| Noncurrent loans to loans | 0.6191% | 2,684 |
| Net loans and leases to total assets | 85.9335% | 265 |
| Net loans and leases to deposits | 135.4364% | 26 |
| Net loans and leases to core deposits | 142.6157% | 193 |
| Total domestic deposits to total assets | 63.4494% | 5,493 |
| Equity capital to assets | 8.2644% | 5,127 |
| Core capital (leverage) ratio | 8.7024% | 4,990 |
| Tier 1 risk-based capital ratio | 12.3608% | 4,337 |
| Total risk-based capital ratio | 12.9651% | 4,619 |
| Memoranda: | ||
| Average total assets | $760,622,000 | 999 |
| Average earning assets | $693,522,000 | 999 |
| Average equity | $62,482,000 | 1,284 |
| Average total loans | $651,007,000 | 847 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,777 |
| Cost of funding earning assets | 0.7520% | 813 |
| Net interest margin | 3.1319% | 4,622 |
| Noninterest income to average assets | 1.1068% | 830 |
| Noninterest expense to average assets | 3.1294% | 1,780 |
| Loan and lease loss provision to assets | 0.0640% | 2,945 |
| Net operating income to assets | 0.3898% | 4,729 |
| Return on assets (ROA) | 0.3898% | 4,740 |
| Pretax return on assets | 0.7600% | 4,365 |
| Return on Equity (ROE) | 4.4953% | 4,352 |
| Retained earnings to average equity (ytd only) | 4.4953% | 2,455 |
| Net charge-offs to loans | 0.0014% | 4,074 |
| Credit loss provision to net charge-offs | 5,437.5000% | 75 |
| Earnings coverage of net charge-offs (x) | 700.2500% | 117 |
| Efficiency ratio | 79.1585% | 1,204 |
| Assets per employee ($millions) | 4.9091% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4645% | 5,433 |
| Loan loss allowance to noncurrent loans | 61.0623% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.2148% | 1,211 |
| Noncurrent loans to loans | 0.7607% | 2,300 |
| Net loans and leases to total assets | 84.4055% | 408 |
| Net loans and leases to deposits | 128.5772% | 52 |
| Net loans and leases to core deposits | 135.2425% | 267 |
| Total domestic deposits to total assets | 65.6458% | 5,526 |
| Equity capital to assets | 8.1622% | 5,322 |
| Core capital (leverage) ratio | 8.5575% | 5,090 |
| Tier 1 risk-based capital ratio | 12.4807% | 4,217 |
| Total risk-based capital ratio | 13.0816% | 4,524 |
| Memoranda: | ||
| Average total assets | $679,907,400 | 1,070 |
| Average earning assets | $617,968,600 | 1,093 |
| Average equity | $58,950,800 | 1,328 |
| Average total loans | $579,632,400 | 887 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 3,759 |
| Cost of funding earning assets | 0.7210% | 877 |
| Net interest margin | 3.1519% | 4,578 |
| Noninterest income to average assets | 1.1462% | 772 |
| Noninterest expense to average assets | 3.1386% | 1,701 |
| Loan and lease loss provision to assets | 0.0628% | 2,815 |
| Net operating income to assets | 0.4813% | 4,786 |
| Return on assets (ROA) | 0.4813% | 4,826 |
| Pretax return on assets | 0.8073% | 4,330 |
| Return on Equity (ROE) | 5.4618% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.4618% | 2,561 |
| Net charge-offs to loans | -0.0047% | 4,450 |
| Credit loss provision to net charge-offs | -1,565.0000% | 5,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2944% | 1,295 |
| Assets per employee ($millions) | 4.6739% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4734% | 5,502 |
| Loan loss allowance to noncurrent loans | 58.0049% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 1,165 |
| Noncurrent loans to loans | 0.8161% | 2,323 |
| Net loans and leases to total assets | 84.7465% | 361 |
| Net loans and leases to deposits | 124.6525% | 66 |
| Net loans and leases to core deposits | 131.0155% | 326 |
| Total domestic deposits to total assets | 67.9862% | 5,538 |
| Equity capital to assets | 8.5660% | 5,244 |
| Core capital (leverage) ratio | 8.7747% | 4,997 |
| Tier 1 risk-based capital ratio | 12.4758% | 4,332 |
| Total risk-based capital ratio | 13.0669% | 4,624 |
| Memoranda: | ||
| Average total assets | $664,567,250 | 1,103 |
| Average earning assets | $603,562,250 | 1,114 |
| Average equity | $58,562,500 | 1,349 |
| Average total loans | $567,392,750 | 905 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 3,794 |
| Cost of funding earning assets | 0.6854% | 960 |
| Net interest margin | 3.1432% | 4,564 |
| Noninterest income to average assets | 1.1297% | 781 |
| Noninterest expense to average assets | 3.2106% | 1,556 |
| Loan and lease loss provision to assets | 0.0653% | 2,665 |
| Net operating income to assets | 0.4295% | 4,899 |
| Return on assets (ROA) | 0.4295% | 4,925 |
| Pretax return on assets | 0.7161% | 4,509 |
| Return on Equity (ROE) | 4.8256% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.8256% | 2,828 |
| Net charge-offs to loans | -0.0050% | 4,340 |
| Credit loss provision to net charge-offs | -1,521.4286% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4254% | 1,168 |
| Assets per employee ($millions) | 4.5131% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 5,548 |
| Loan loss allowance to noncurrent loans | 76.7494% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 2,816 |
| Noncurrent loans to loans | 0.6122% | 2,891 |
| Net loans and leases to total assets | 85.1054% | 337 |
| Net loans and leases to deposits | 120.0847% | 96 |
| Net loans and leases to core deposits | 126.3042% | 388 |
| Total domestic deposits to total assets | 70.8712% | 5,510 |
| Equity capital to assets | 8.7046% | 5,138 |
| Core capital (leverage) ratio | 9.1412% | 4,567 |
| Tier 1 risk-based capital ratio | 12.5492% | 4,272 |
| Total risk-based capital ratio | 13.1298% | 4,606 |
| Memoranda: | ||
| Average total assets | $652,394,330 | 1,119 |
| Average earning assets | $594,115,000 | 1,131 |
| Average equity | $58,065,000 | 1,361 |
| Average total loans | $557,533,000 | 924 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 3,728 |
| Cost of funding earning assets | 0.6673% | 992 |
| Net interest margin | 3.1435% | 4,520 |
| Noninterest income to average assets | 1.0786% | 860 |
| Noninterest expense to average assets | 3.3063% | 1,375 |
| Loan and lease loss provision to assets | 0.0375% | 3,049 |
| Net operating income to assets | 0.3637% | 5,040 |
| Return on assets (ROA) | 0.3637% | 5,060 |
| Pretax return on assets | 0.5961% | 4,743 |
| Return on Equity (ROE) | 4.0393% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.0393% | 3,441 |
| Net charge-offs to loans | -0.0044% | 4,145 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9175% | 975 |
| Assets per employee ($millions) | 4.1727% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 5,618 |
| Loan loss allowance to noncurrent loans | 60.1976% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 2,458 |
| Noncurrent loans to loans | 0.7830% | 2,503 |
| Net loans and leases to total assets | 85.1911% | 271 |
| Net loans and leases to deposits | 116.1391% | 120 |
| Net loans and leases to core deposits | 122.0491% | 414 |
| Total domestic deposits to total assets | 73.3526% | 5,463 |
| Equity capital to assets | 9.1416% | 4,668 |
| Core capital (leverage) ratio | 9.1353% | 4,561 |
| Tier 1 risk-based capital ratio | 13.2049% | 3,946 |
| Total risk-based capital ratio | 13.7892% | 4,269 |
| Memoranda: | ||
| Average total assets | $640,109,000 | 1,144 |
| Average earning assets | $582,658,000 | 1,154 |
| Average equity | $57,634,000 | 1,366 |
| Average total loans | $546,872,500 | 942 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 3,552 |
| Cost of funding earning assets | 0.5449% | 1,749 |
| Net interest margin | 3.3604% | 3,961 |
| Noninterest income to average assets | 1.3016% | 672 |
| Noninterest expense to average assets | 3.2842% | 1,610 |
| Loan and lease loss provision to assets | 0.0794% | 2,776 |
| Net operating income to assets | 0.5838% | 4,274 |
| Return on assets (ROA) | 0.5838% | 4,388 |
| Pretax return on assets | 0.9655% | 3,598 |
| Return on Equity (ROE) | 6.3092% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.3092% | 1,561 |
| Net charge-offs to loans | 0.0335% | 3,358 |
| Credit loss provision to net charge-offs | 269.8864% | 1,067 |
| Earnings coverage of net charge-offs (x) | 35.5057% | 1,286 |
| Efficiency ratio | 75.8623% | 2,002 |
| Assets per employee ($millions) | 4.4859% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4526% | 5,696 |
| Loan loss allowance to noncurrent loans | 51.1175% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 2,296 |
| Noncurrent loans to loans | 0.8853% | 2,336 |
| Net loans and leases to total assets | 84.8910% | 312 |
| Net loans and leases to deposits | 120.0630% | 93 |
| Net loans and leases to core deposits | 125.9169% | 346 |
| Total domestic deposits to total assets | 70.7054% | 5,628 |
| Equity capital to assets | 8.8685% | 4,945 |
| Core capital (leverage) ratio | 9.0343% | 4,699 |
| Tier 1 risk-based capital ratio | 12.8143% | 4,196 |
| Total risk-based capital ratio | 13.3725% | 4,519 |
| Memoranda: | ||
| Average total assets | $598,021,800 | 1,169 |
| Average earning assets | $538,777,200 | 1,193 |
| Average equity | $55,331,600 | 1,388 |
| Average total loans | $526,087,200 | 935 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,475 |
| Cost of funding earning assets | 0.5293% | 1,885 |
| Net interest margin | 3.4057% | 3,822 |
| Noninterest income to average assets | 1.3894% | 616 |
| Noninterest expense to average assets | 3.3290% | 1,495 |
| Loan and lease loss provision to assets | 0.0780% | 2,663 |
| Net operating income to assets | 0.6313% | 4,162 |
| Return on assets (ROA) | 0.6313% | 4,284 |
| Pretax return on assets | 1.0422% | 3,461 |
| Return on Equity (ROE) | 6.7464% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.7464% | 1,757 |
| Net charge-offs to loans | 0.0208% | 3,280 |
| Credit loss provision to net charge-offs | 423.4568% | 808 |
| Earnings coverage of net charge-offs (x) | 60.7886% | 945 |
| Efficiency ratio | 74.8210% | 2,138 |
| Assets per employee ($millions) | 4.4228% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4424% | 5,774 |
| Loan loss allowance to noncurrent loans | 48.9633% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 2,411 |
| Noncurrent loans to loans | 0.9035% | 2,441 |
| Net loans and leases to total assets | 87.3890% | 175 |
| Net loans and leases to deposits | 138.3668% | 21 |
| Net loans and leases to core deposits | 146.0410% | 154 |
| Total domestic deposits to total assets | 63.1575% | 5,857 |
| Equity capital to assets | 8.9312% | 5,227 |
| Core capital (leverage) ratio | 9.2485% | 4,535 |
| Tier 1 risk-based capital ratio | 12.4371% | 4,517 |
| Total risk-based capital ratio | 12.9809% | 4,864 |
| Memoranda: | ||
| Average total assets | $586,034,250 | 1,196 |
| Average earning assets | $526,514,250 | 1,215 |
| Average equity | $54,842,500 | 1,410 |
| Average total loans | $519,892,750 | 943 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,434 |
| Cost of funding earning assets | 0.5272% | 1,889 |
| Net interest margin | 3.4204% | 3,800 |
| Noninterest income to average assets | 1.3184% | 656 |
| Noninterest expense to average assets | 3.3665% | 1,443 |
| Loan and lease loss provision to assets | 0.0890% | 2,361 |
| Net operating income to assets | 0.5602% | 4,440 |
| Return on assets (ROA) | 0.5602% | 4,557 |
| Pretax return on assets | 0.9310% | 3,831 |
| Return on Equity (ROE) | 5.8864% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.8864% | 2,193 |
| Net charge-offs to loans | 0.0291% | 2,894 |
| Credit loss provision to net charge-offs | 343.2432% | 864 |
| Earnings coverage of net charge-offs (x) | 39.3243% | 1,170 |
| Efficiency ratio | 76.7460% | 1,972 |
| Assets per employee ($millions) | 4.1888% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4478% | 5,846 |
| Loan loss allowance to noncurrent loans | 43.1872% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 1,972 |
| Noncurrent loans to loans | 1.0368% | 2,210 |
| Net loans and leases to total assets | 88.7356% | 108 |
| Net loans and leases to deposits | 135.0879% | 26 |
| Net loans and leases to core deposits | 143.0232% | 162 |
| Total domestic deposits to total assets | 65.6873% | 5,895 |
| Equity capital to assets | 9.2839% | 4,990 |
| Core capital (leverage) ratio | 9.5596% | 4,116 |
| Tier 1 risk-based capital ratio | 12.5455% | 4,483 |
| Total risk-based capital ratio | 13.0883% | 4,828 |
| Memoranda: | ||
| Average total assets | $570,560,000 | 1,227 |
| Average earning assets | $511,805,000 | 1,261 |
| Average equity | $54,294,670 | 1,426 |
| Average total loans | $508,139,000 | 964 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 3,314 |
| Cost of funding earning assets | 0.5294% | 1,868 |
| Net interest margin | 3.4456% | 3,685 |
| Noninterest income to average assets | 1.2105% | 740 |
| Noninterest expense to average assets | 3.4403% | 1,294 |
| Loan and lease loss provision to assets | 0.0781% | 2,399 |
| Net operating income to assets | 0.4685% | 4,744 |
| Return on assets (ROA) | 0.4685% | 4,835 |
| Pretax return on assets | 0.7786% | 4,274 |
| Return on Equity (ROE) | 4.8597% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.8597% | 3,028 |
| Net charge-offs to loans | 0.0161% | 2,615 |
| Credit loss provision to net charge-offs | 545.0000% | 571 |
| Earnings coverage of net charge-offs (x) | 59.8000% | 785 |
| Efficiency ratio | 80.0633% | 1,598 |
| Assets per employee ($millions) | 3.9865% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 5,908 |
| Loan loss allowance to noncurrent loans | 42.5061% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 2,048 |
| Noncurrent loans to loans | 1.0613% | 2,269 |
| Net loans and leases to total assets | 89.6261% | 71 |
| Net loans and leases to deposits | 133.2289% | 27 |
| Net loans and leases to core deposits | 140.7776% | 161 |
| Total domestic deposits to total assets | 67.2723% | 5,941 |
| Equity capital to assets | 9.6411% | 4,514 |
| Core capital (leverage) ratio | 9.7969% | 3,785 |
| Tier 1 risk-based capital ratio | 12.9557% | 4,295 |
| Total risk-based capital ratio | 13.5054% | 4,647 |
| Memoranda: | ||
| Average total assets | $558,434,000 | 1,258 |
| Average earning assets | $500,234,000 | 1,283 |
| Average equity | $53,831,000 | 1,435 |
| Average total loans | $497,116,500 | 979 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,094 |
| Cost of funding earning assets | 0.5406% | 1,840 |
| Net interest margin | 3.5139% | 3,472 |
| Noninterest income to average assets | 1.1498% | 893 |
| Noninterest expense to average assets | 3.5858% | 1,155 |
| Loan and lease loss provision to assets | 0.1001% | 2,314 |
| Net operating income to assets | 0.3291% | 5,271 |
| Return on assets (ROA) | 0.3291% | 5,358 |
| Pretax return on assets | 0.5620% | 4,956 |
| Return on Equity (ROE) | 3.1100% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.1100% | 3,842 |
| Net charge-offs to loans | 0.0560% | 3,097 |
| Credit loss provision to net charge-offs | 203.2787% | 1,372 |
| Earnings coverage of net charge-offs (x) | 13.4467% | 2,369 |
| Efficiency ratio | 84.4140% | 1,141 |
| Assets per employee ($millions) | 4.1712% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4494% | 5,955 |
| Loan loss allowance to noncurrent loans | 51.7453% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4880% | 1,362 |
| Noncurrent loans to loans | 0.8686% | 2,616 |
| Net loans and leases to total assets | 87.5984% | 141 |
| Net loans and leases to deposits | 128.9459% | 49 |
| Net loans and leases to core deposits | 135.7400% | 209 |
| Total domestic deposits to total assets | 67.9343% | 5,976 |
| Equity capital to assets | 9.6381% | 4,388 |
| Core capital (leverage) ratio | 10.0551% | 3,432 |
| Tier 1 risk-based capital ratio | 12.5110% | 4,628 |
| Total risk-based capital ratio | 13.0273% | 5,006 |
| Memoranda: | ||
| Average total assets | $495,566,400 | 1,360 |
| Average earning assets | $436,926,400 | 1,428 |
| Average equity | $52,443,000 | 1,419 |
| Average total loans | $435,443,000 | 1,057 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 2,928 |
| Cost of funding earning assets | 0.5591% | 1,723 |
| Net interest margin | 3.5424% | 3,372 |
| Noninterest income to average assets | 1.0012% | 1,180 |
| Noninterest expense to average assets | 3.5249% | 1,244 |
| Loan and lease loss provision to assets | 0.1018% | 2,154 |
| Net operating income to assets | 0.2848% | 5,504 |
| Return on assets (ROA) | 0.2848% | 5,576 |
| Pretax return on assets | 0.4898% | 5,244 |
| Return on Equity (ROE) | 2.6239% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.6239% | 4,539 |
| Net charge-offs to loans | 0.0723% | 2,528 |
| Credit loss provision to net charge-offs | 160.2620% | 1,598 |
| Earnings coverage of net charge-offs (x) | 9.3143% | 2,709 |
| Efficiency ratio | 85.6296% | 1,029 |
| Assets per employee ($millions) | 3.7813% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4544% | 6,050 |
| Loan loss allowance to noncurrent loans | 45.8453% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.7093% | 1,265 |
| Noncurrent loans to loans | 0.9911% | 2,513 |
| Net loans and leases to total assets | 87.9639% | 143 |
| Net loans and leases to deposits | 125.9365% | 62 |
| Net loans and leases to core deposits | 132.7160% | 242 |
| Total domestic deposits to total assets | 69.8479% | 5,980 |
| Equity capital to assets | 10.1829% | 3,960 |
| Core capital (leverage) ratio | 10.4593% | 3,086 |
| Tier 1 risk-based capital ratio | 13.6479% | 4,052 |
| Total risk-based capital ratio | 14.1899% | 4,387 |
| Memoranda: | ||
| Average total assets | $480,764,000 | 1,408 |
| Average earning assets | $422,791,500 | 1,478 |
| Average equity | $52,186,250 | 1,433 |
| Average total loans | $422,261,500 | 1,084 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1057% | 2,874 |
| Cost of funding earning assets | 0.5860% | 1,517 |
| Net interest margin | 3.5197% | 3,420 |
| Noninterest income to average assets | 1.0937% | 1,005 |
| Noninterest expense to average assets | 3.6213% | 1,086 |
| Loan and lease loss provision to assets | 0.0730% | 2,646 |
| Net operating income to assets | 0.2942% | 5,451 |
| Return on assets (ROA) | 0.2942% | 5,552 |
| Pretax return on assets | 0.4877% | 5,262 |
| Return on Equity (ROE) | 2.6501% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.6501% | 4,371 |
| Net charge-offs to loans | 0.0439% | 2,823 |
| Credit loss provision to net charge-offs | 190.0000% | 1,290 |
| Earnings coverage of net charge-offs (x) | 14.5889% | 2,045 |
| Efficiency ratio | 86.5925% | 1,011 |
| Assets per employee ($millions) | 3.5933% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4709% | 6,112 |
| Loan loss allowance to noncurrent loans | 37.5883% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 1.9133% | 1,181 |
| Noncurrent loans to loans | 1.2527% | 2,153 |
| Net loans and leases to total assets | 87.4999% | 165 |
| Net loans and leases to deposits | 115.2862% | 157 |
| Net loans and leases to core deposits | 121.0700% | 440 |
| Total domestic deposits to total assets | 75.8980% | 5,609 |
| Equity capital to assets | 10.7165% | 3,200 |
| Core capital (leverage) ratio | 11.0871% | 2,339 |
| Tier 1 risk-based capital ratio | 13.9837% | 3,940 |
| Total risk-based capital ratio | 14.5275% | 4,289 |
| Memoranda: | ||
| Average total assets | $468,337,670 | 1,451 |
| Average earning assets | $410,945,670 | 1,517 |
| Average equity | $51,997,670 | 1,451 |
| Average total loans | $410,425,000 | 1,119 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 2,767 |
| Cost of funding earning assets | 0.6125% | 1,350 |
| Net interest margin | 3.5043% | 3,425 |
| Noninterest income to average assets | 1.3393% | 642 |
| Noninterest expense to average assets | 3.7620% | 921 |
| Loan and lease loss provision to assets | 0.0864% | 2,251 |
| Net operating income to assets | 0.3396% | 5,279 |
| Return on assets (ROA) | 0.3396% | 5,392 |
| Pretax return on assets | 0.5579% | 5,031 |
| Return on Equity (ROE) | 3.0032% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.0032% | 4,176 |
| Net charge-offs to loans | 0.0659% | 2,077 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 11.1818% | 1,882 |
| Efficiency ratio | 85.3775% | 1,233 |
| Assets per employee ($millions) | 3.4637% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4879% | 6,179 |
| Loan loss allowance to noncurrent loans | 32.6392% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.3342% | 947 |
| Noncurrent loans to loans | 1.4948% | 1,890 |
| Net loans and leases to total assets | 87.4429% | 129 |
| Net loans and leases to deposits | 110.8014% | 211 |
| Net loans and leases to core deposits | 116.5076% | 509 |
| Total domestic deposits to total assets | 78.9186% | 5,281 |
| Equity capital to assets | 11.2940% | 2,654 |
| Core capital (leverage) ratio | 11.3963% | 2,084 |
| Tier 1 risk-based capital ratio | 14.4108% | 3,769 |
| Total risk-based capital ratio | 14.9592% | 4,120 |
| Memoranda: | ||
| Average total assets | $458,159,500 | 1,483 |
| Average earning assets | $400,989,500 | 1,558 |
| Average equity | $51,811,000 | 1,463 |
| Average total loans | $400,822,500 | 1,145 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 3,308 |
| Cost of funding earning assets | 0.6670% | 1,286 |
| Net interest margin | 3.4378% | 4,031 |
| Noninterest income to average assets | 1.4857% | 553 |
| Noninterest expense to average assets | 4.7538% | 373 |
| Loan and lease loss provision to assets | 0.1000% | 2,489 |
| Net operating income to assets | -0.2228% | 6,214 |
| Return on assets (ROA) | -0.2228% | 6,216 |
| Pretax return on assets | -0.3452% | 6,232 |
| Return on Equity (ROE) | -2.0538% | 6,215 |
| Retained earnings to average equity (ytd only) | -2.0538% | 6,019 |
| Net charge-offs to loans | 0.0397% | 4,031 |
| Credit loss provision to net charge-offs | 295.8904% | 875 |
| Earnings coverage of net charge-offs (x) | -7.2534% | 4,904 |
| Efficiency ratio | 105.4389% | 270 |
| Assets per employee ($millions) | 3.3752% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4894% | 6,268 |
| Loan loss allowance to noncurrent loans | 29.5361% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 2.5658% | 886 |
| Noncurrent loans to loans | 1.6568% | 1,766 |
| Net loans and leases to total assets | 86.6687% | 169 |
| Net loans and leases to deposits | 113.5101% | 170 |
| Net loans and leases to core deposits | 118.9957% | 435 |
| Total domestic deposits to total assets | 76.3532% | 5,682 |
| Equity capital to assets | 11.3232% | 2,586 |
| Core capital (leverage) ratio | 11.6322% | 1,882 |
| Tier 1 risk-based capital ratio | 14.7187% | 3,650 |
| Total risk-based capital ratio | 15.2738% | 4,003 |
| Memoranda: | ||
| Average total assets | $431,862,000 | 1,542 |
| Average earning assets | $379,748,600 | 1,594 |
| Average equity | $46,840,000 | 1,541 |
| Average total loans | $368,219,800 | 1,199 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,480 |
| Cost of funding earning assets | 0.6766% | 1,281 |
| Net interest margin | 3.3945% | 4,262 |
| Noninterest income to average assets | 1.4394% | 610 |
| Noninterest expense to average assets | 4.8700% | 342 |
| Loan and lease loss provision to assets | 0.1240% | 2,015 |
| Net operating income to assets | -0.3672% | 6,330 |
| Return on assets (ROA) | -0.3672% | 6,332 |
| Pretax return on assets | -0.5613% | 6,373 |
| Return on Equity (ROE) | -3.4259% | 6,331 |
| Retained earnings to average equity (ytd only) | -3.4259% | 6,173 |
| Net charge-offs to loans | 0.0432% | 3,641 |
| Credit loss provision to net charge-offs | 338.4615% | 827 |
| Earnings coverage of net charge-offs (x) | -11.9399% | 4,639 |
| Efficiency ratio | 109.8658% | 220 |
| Assets per employee ($millions) | 3.3145% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5050% | 6,333 |
| Loan loss allowance to noncurrent loans | 25.4605% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 3.1877% | 708 |
| Noncurrent loans to loans | 1.9833% | 1,608 |
| Net loans and leases to total assets | 86.4889% | 166 |
| Net loans and leases to deposits | 109.4765% | 232 |
| Net loans and leases to core deposits | 114.7270% | 563 |
| Total domestic deposits to total assets | 79.0022% | 5,327 |
| Equity capital to assets | 11.6795% | 2,331 |
| Core capital (leverage) ratio | 11.9247% | 1,742 |
| Tier 1 risk-based capital ratio | 14.9927% | 3,594 |
| Total risk-based capital ratio | 15.5599% | 3,943 |
| Memoranda: | ||
| Average total assets | $425,915,500 | 1,572 |
| Average earning assets | $375,574,000 | 1,622 |
| Average equity | $45,651,500 | 1,576 |
| Average total loans | $361,063,250 | 1,230 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,646 |
| Cost of funding earning assets | 0.6822% | 1,296 |
| Net interest margin | 3.3398% | 4,442 |
| Noninterest income to average assets | 1.4790% | 557 |
| Noninterest expense to average assets | 5.0952% | 295 |
| Loan and lease loss provision to assets | 0.1335% | 1,855 |
| Net operating income to assets | -0.4989% | 6,437 |
| Return on assets (ROA) | -0.4989% | 6,437 |
| Pretax return on assets | -0.7935% | 6,491 |
| Return on Equity (ROE) | -4.8048% | 6,430 |
| Retained earnings to average equity (ytd only) | -4.8048% | 6,225 |
| Net charge-offs to loans | 0.0260% | 3,678 |
| Credit loss provision to net charge-offs | 610.8696% | 488 |
| Earnings coverage of net charge-offs (x) | -30.1957% | 4,346 |
| Efficiency ratio | 114.8795% | 185 |
| Assets per employee ($millions) | 3.1863% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5081% | 6,404 |
| Loan loss allowance to noncurrent loans | 25.0430% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 2.9811% | 853 |
| Noncurrent loans to loans | 2.0288% | 1,665 |
| Net loans and leases to total assets | 88.0438% | 96 |
| Net loans and leases to deposits | 105.2689% | 326 |
| Net loans and leases to core deposits | 110.5931% | 672 |
| Total domestic deposits to total assets | 83.6371% | 4,060 |
| Equity capital to assets | 12.2601% | 1,804 |
| Core capital (leverage) ratio | 12.6012% | 1,345 |
| Tier 1 risk-based capital ratio | 15.6409% | 3,274 |
| Total risk-based capital ratio | 16.2183% | 3,596 |
| Memoranda: | ||
| Average total assets | $420,946,330 | 1,585 |
| Average earning assets | $372,594,000 | 1,631 |
| Average equity | $43,706,670 | 1,644 |
| Average total loans | $353,685,000 | 1,242 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 3,762 |
| Cost of funding earning assets | 0.6908% | 1,301 |
| Net interest margin | 3.2911% | 4,582 |
| Noninterest income to average assets | 1.5017% | 522 |
| Noninterest expense to average assets | 5.6771% | 219 |
| Loan and lease loss provision to assets | 0.1586% | 1,532 |
| Net operating income to assets | -0.8140% | 6,541 |
| Return on assets (ROA) | -0.8140% | 6,543 |
| Pretax return on assets | -1.4200% | 6,605 |
| Return on Equity (ROE) | -8.6178% | 6,542 |
| Retained earnings to average equity (ytd only) | -8.6178% | 6,309 |
| Net charge-offs to loans | 0.0023% | 3,631 |
| Credit loss provision to net charge-offs | 8,350.0000% | 31 |
| Earnings coverage of net charge-offs (x) | -664.0000% | 3,657 |
| Efficiency ratio | 128.5653% | 127 |
| Assets per employee ($millions) | 2.9758% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5203% | 6,485 |
| Loan loss allowance to noncurrent loans | 26.1563% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 2.9481% | 979 |
| Noncurrent loans to loans | 1.9892% | 1,881 |
| Net loans and leases to total assets | 85.3998% | 168 |
| Net loans and leases to deposits | 100.1651% | 428 |
| Net loans and leases to core deposits | 105.1325% | 788 |
| Total domestic deposits to total assets | 85.2590% | 3,737 |
| Equity capital to assets | 12.6855% | 1,464 |
| Core capital (leverage) ratio | 12.4997% | 1,385 |
| Tier 1 risk-based capital ratio | 16.3629% | 2,971 |
| Total risk-based capital ratio | 16.9429% | 3,302 |
| Memoranda: | ||
| Average total assets | $421,127,000 | 1,593 |
| Average earning assets | $372,887,000 | 1,636 |
| Average equity | $39,778,000 | 1,778 |
| Average total loans | $344,432,500 | 1,274 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 3,558 |
| Cost of funding earning assets | 0.7784% | 1,329 |
| Net interest margin | 3.3671% | 4,413 |
| Noninterest income to average assets | 2.1108% | 365 |
| Noninterest expense to average assets | 4.8166% | 401 |
| Loan and lease loss provision to assets | 0.1481% | 2,432 |
| Net operating income to assets | 0.0645% | 6,107 |
| Return on assets (ROA) | 0.0645% | 6,156 |
| Pretax return on assets | 0.1175% | 6,068 |
| Return on Equity (ROE) | 0.8949% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.8043% | 5,475 |
| Net charge-offs to loans | 0.1468% | 3,333 |
| Credit loss provision to net charge-offs | 118.1250% | 2,033 |
| Earnings coverage of net charge-offs (x) | 2.1188% | 4,326 |
| Efficiency ratio | 94.7736% | 711 |
| Assets per employee ($millions) | 3.0389% | 5,773 |
| Cash dividends to net income (ytd only)* | 10.1215% | 4,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4887% | 6,581 |
| Loan loss allowance to noncurrent loans | 25.2093% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 2.6841% | 1,251 |
| Noncurrent loans to loans | 1.9384% | 2,065 |
| Net loans and leases to total assets | 77.6000% | 871 |
| Net loans and leases to deposits | 89.8818% | 1,251 |
| Net loans and leases to core deposits | 93.9455% | 1,605 |
| Total domestic deposits to total assets | 86.3356% | 3,091 |
| Equity capital to assets | 6.4061% | 6,580 |
| Core capital (leverage) ratio | 7.2348% | 6,465 |
| Tier 1 risk-based capital ratio | 9.2565% | 6,639 |
| Total risk-based capital ratio | 9.8039% | 6,680 |
| Memoranda: | ||
| Average total assets | $382,883,600 | 1,715 |
| Average earning assets | $337,884,000 | 1,760 |
| Average equity | $27,600,400 | 2,411 |
| Average total loans | $326,925,200 | 1,304 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 3,114 |
| Cost of funding earning assets | 0.8089% | 1,276 |
| Net interest margin | 3.4606% | 4,056 |
| Noninterest income to average assets | 2.2290% | 353 |
| Noninterest expense to average assets | 4.9496% | 349 |
| Loan and lease loss provision to assets | 0.1218% | 2,773 |
| Net operating income to assets | 0.1189% | 6,101 |
| Return on assets (ROA) | 0.1189% | 6,169 |
| Pretax return on assets | 0.2058% | 6,034 |
| Return on Equity (ROE) | 1.5976% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.4766% | 5,394 |
| Net charge-offs to loans | 0.1231% | 3,311 |
| Credit loss provision to net charge-offs | 113.0435% | 2,075 |
| Earnings coverage of net charge-offs (x) | 3.0401% | 3,825 |
| Efficiency ratio | 93.7923% | 752 |
| Assets per employee ($millions) | 2.6573% | 6,318 |
| Cash dividends to net income (ytd only)* | 7.5752% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4830% | 6,668 |
| Loan loss allowance to noncurrent loans | 24.5759% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 3.0620% | 1,205 |
| Noncurrent loans to loans | 1.9654% | 2,295 |
| Net loans and leases to total assets | 86.5778% | 126 |
| Net loans and leases to deposits | 97.2806% | 609 |
| Net loans and leases to core deposits | 101.6127% | 1,019 |
| Total domestic deposits to total assets | 88.9980% | 1,552 |
| Equity capital to assets | 7.2130% | 6,489 |
| Core capital (leverage) ratio | 7.4691% | 6,458 |
| Tier 1 risk-based capital ratio | 9.5994% | 6,670 |
| Total risk-based capital ratio | 10.1491% | 6,732 |
| Memoranda: | ||
| Average total assets | $369,962,750 | 1,773 |
| Average earning assets | $325,873,750 | 1,831 |
| Average equity | $27,540,750 | 2,436 |
| Average total loans | $323,936,500 | 1,317 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 3,041 |
| Cost of funding earning assets | 0.8259% | 1,281 |
| Net interest margin | 3.4530% | 3,992 |
| Noninterest income to average assets | 2.2186% | 383 |
| Noninterest expense to average assets | 4.8839% | 393 |
| Loan and lease loss provision to assets | 0.1143% | 2,907 |
| Net operating income to assets | 0.1635% | 5,993 |
| Return on assets (ROA) | 0.1635% | 6,110 |
| Pretax return on assets | 0.2636% | 5,966 |
| Return on Equity (ROE) | 2.1729% | 5,896 |
| Retained earnings to average equity (ytd only) | 2.1729% | 4,893 |
| Net charge-offs to loans | 0.1128% | 3,235 |
| Credit loss provision to net charge-offs | 115.4696% | 1,916 |
| Earnings coverage of net charge-offs (x) | 3.8177% | 3,292 |
| Efficiency ratio | 92.8185% | 830 |
| Assets per employee ($millions) | 2.6208% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4842% | 6,718 |
| Loan loss allowance to noncurrent loans | 24.1531% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 3.1258% | 1,277 |
| Noncurrent loans to loans | 2.0046% | 2,397 |
| Net loans and leases to total assets | 86.9730% | 119 |
| Net loans and leases to deposits | 98.9784% | 482 |
| Net loans and leases to core deposits | 102.9983% | 885 |
| Total domestic deposits to total assets | 87.8708% | 2,342 |
| Equity capital to assets | 7.3118% | 6,509 |
| Core capital (leverage) ratio | 7.7499% | 6,338 |
| Tier 1 risk-based capital ratio | 9.7579% | 6,681 |
| Total risk-based capital ratio | 10.3130% | 6,755 |
| Memoranda: | ||
| Average total assets | $365,731,670 | 1,792 |
| Average earning assets | $322,324,330 | 1,851 |
| Average equity | $27,520,670 | 2,450 |
| Average total loans | $320,947,670 | 1,323 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,647 |
| Cost of funding earning assets | 0.8526% | 1,239 |
| Net interest margin | 3.5115% | 3,648 |
| Noninterest income to average assets | 2.5330% | 316 |
| Noninterest expense to average assets | 4.7536% | 440 |
| Loan and lease loss provision to assets | 0.0911% | 3,140 |
| Net operating income to assets | 0.4890% | 4,734 |
| Return on assets (ROA) | 0.4890% | 4,885 |
| Pretax return on assets | 0.7824% | 4,240 |
| Return on Equity (ROE) | 6.4038% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.4038% | 2,456 |
| Net charge-offs to loans | 0.1074% | 2,800 |
| Credit loss provision to net charge-offs | 96.4706% | 1,920 |
| Earnings coverage of net charge-offs (x) | 9.2471% | 1,864 |
| Efficiency ratio | 84.4756% | 1,707 |
| Assets per employee ($millions) | 2.6160% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4193% | 6,841 |
| Loan loss allowance to noncurrent loans | 23.8772% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 2.1324% | 2,203 |
| Noncurrent loans to loans | 1.7559% | 2,927 |
| Net loans and leases to total assets | 87.8521% | 75 |
| Net loans and leases to deposits | 97.9253% | 446 |
| Net loans and leases to core deposits | 101.9301% | 829 |
| Total domestic deposits to total assets | 89.7133% | 1,222 |
| Equity capital to assets | 7.6097% | 6,558 |
| Core capital (leverage) ratio | 7.7540% | 6,324 |
| Tier 1 risk-based capital ratio | 9.9313% | 6,702 |
| Total risk-based capital ratio | 10.4094% | 6,791 |
| Memoranda: | ||
| Average total assets | $359,896,500 | 1,838 |
| Average earning assets | $317,133,000 | 1,914 |
| Average equity | $27,483,500 | 2,487 |
| Average total loans | $316,504,000 | 1,343 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 3,530 |
| Cost of funding earning assets | 0.8930% | 1,975 |
| Net interest margin | 3.5757% | 4,205 |
| Noninterest income to average assets | 2.8265% | 275 |
| Noninterest expense to average assets | 5.0485% | 361 |
| Loan and lease loss provision to assets | 0.3277% | 2,075 |
| Net operating income to assets | 0.3392% | 5,330 |
| Return on assets (ROA) | 0.3392% | 5,554 |
| Pretax return on assets | 0.5860% | 5,036 |
| Return on Equity (ROE) | 4.3300% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.3300% | 3,182 |
| Net charge-offs to loans | 0.3282% | 2,999 |
| Credit loss provision to net charge-offs | 115.0415% | 2,520 |
| Earnings coverage of net charge-offs (x) | 3.2075% | 3,826 |
| Efficiency ratio | 84.6749% | 1,550 |
| Assets per employee ($millions) | 2.5260% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5025% | 6,836 |
| Loan loss allowance to noncurrent loans | 20.4804% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 3.2594% | 1,415 |
| Noncurrent loans to loans | 2.4538% | 2,162 |
| Net loans and leases to total assets | 87.2178% | 102 |
| Net loans and leases to deposits | 100.4245% | 397 |
| Net loans and leases to core deposits | 104.4445% | 765 |
| Total domestic deposits to total assets | 86.8491% | 2,912 |
| Equity capital to assets | 7.6638% | 6,566 |
| Core capital (leverage) ratio | 8.0671% | 6,125 |
| Tier 1 risk-based capital ratio | 10.0827% | 6,681 |
| Total risk-based capital ratio | 10.6523% | 6,809 |
| Memoranda: | ||
| Average total assets | $338,400,800 | 1,913 |
| Average earning assets | $296,750,400 | 1,993 |
| Average equity | $26,513,000 | 2,521 |
| Average total loans | $293,695,600 | 1,429 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 3,253 |
| Cost of funding earning assets | 0.9004% | 2,168 |
| Net interest margin | 3.6886% | 3,843 |
| Noninterest income to average assets | 2.6721% | 289 |
| Noninterest expense to average assets | 5.2101% | 323 |
| Loan and lease loss provision to assets | 0.3338% | 1,960 |
| Net operating income to assets | 0.2160% | 5,875 |
| Return on assets (ROA) | 0.2160% | 6,051 |
| Pretax return on assets | 0.3601% | 5,813 |
| Return on Equity (ROE) | 2.7409% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.7409% | 4,908 |
| Net charge-offs to loans | 0.4322% | 2,370 |
| Credit loss provision to net charge-offs | 89.2209% | 3,321 |
| Earnings coverage of net charge-offs (x) | 1.8549% | 4,333 |
| Efficiency ratio | 88.2472% | 1,164 |
| Assets per employee ($millions) | 2.5979% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3601% | 7,037 |
| Loan loss allowance to noncurrent loans | 22.5110% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 2.1611% | 2,477 |
| Noncurrent loans to loans | 1.5995% | 3,389 |
| Net loans and leases to total assets | 86.0198% | 147 |
| Net loans and leases to deposits | 95.5396% | 688 |
| Net loans and leases to core deposits | 99.1761% | 1,180 |
| Total domestic deposits to total assets | 90.0358% | 831 |
| Equity capital to assets | 7.7154% | 6,709 |
| Core capital (leverage) ratio | 8.0287% | 6,302 |
| Tier 1 risk-based capital ratio | 10.2569% | 6,736 |
| Total risk-based capital ratio | 10.6655% | 6,901 |
| Memoranda: | ||
| Average total assets | $333,959,250 | 1,955 |
| Average earning assets | $292,605,250 | 2,041 |
| Average equity | $26,317,250 | 2,556 |
| Average total loans | $289,067,000 | 1,462 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 3,283 |
| Cost of funding earning assets | 0.9121% | 2,307 |
| Net interest margin | 3.7060% | 3,786 |
| Noninterest income to average assets | 2.4313% | 306 |
| Noninterest expense to average assets | 5.1390% | 340 |
| Loan and lease loss provision to assets | 0.3538% | 1,865 |
| Net operating income to assets | 0.1127% | 6,126 |
| Return on assets (ROA) | 0.1127% | 6,292 |
| Pretax return on assets | 0.1878% | 6,167 |
| Return on Equity (ROE) | 1.4196% | 6,209 |
| Retained earnings to average equity (ytd only) | 1.4196% | 5,483 |
| Net charge-offs to loans | 0.5315% | 1,999 |
| Credit loss provision to net charge-offs | 76.8421% | 3,410 |
| Earnings coverage of net charge-offs (x) | 1.1763% | 4,423 |
| Efficiency ratio | 90.4650% | 1,042 |
| Assets per employee ($millions) | 2.6757% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3450% | 7,100 |
| Loan loss allowance to noncurrent loans | 18.4590% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 2,343 |
| Noncurrent loans to loans | 1.8691% | 3,119 |
| Net loans and leases to total assets | 86.2749% | 126 |
| Net loans and leases to deposits | 96.0234% | 634 |
| Net loans and leases to core deposits | 99.1874% | 1,157 |
| Total domestic deposits to total assets | 89.8478% | 1,016 |
| Equity capital to assets | 7.8646% | 6,645 |
| Core capital (leverage) ratio | 8.0405% | 6,231 |
| Tier 1 risk-based capital ratio | 10.4098% | 6,726 |
| Total risk-based capital ratio | 10.8006% | 6,909 |
| Memoranda: | ||
| Average total assets | $330,106,330 | 1,965 |
| Average earning assets | $289,426,330 | 2,059 |
| Average equity | $26,203,670 | 2,553 |
| Average total loans | $285,993,330 | 1,478 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 3,327 |
| Cost of funding earning assets | 0.9332% | 2,413 |
| Net interest margin | 3.7036% | 3,811 |
| Noninterest income to average assets | 2.3590% | 325 |
| Noninterest expense to average assets | 5.1011% | 343 |
| Loan and lease loss provision to assets | 0.3769% | 1,676 |
| Net operating income to assets | 0.0805% | 6,276 |
| Return on assets (ROA) | 0.0805% | 6,393 |
| Pretax return on assets | 0.1342% | 6,328 |
| Return on Equity (ROE) | 1.0094% | 6,343 |
| Retained earnings to average equity (ytd only) | 1.0094% | 5,669 |
| Net charge-offs to loans | 0.3490% | 2,259 |
| Credit loss provision to net charge-offs | 124.5968% | 1,921 |
| Earnings coverage of net charge-offs (x) | 1.6895% | 3,485 |
| Efficiency ratio | 90.8933% | 1,024 |
| Assets per employee ($millions) | 2.5908% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4369% | 7,110 |
| Loan loss allowance to noncurrent loans | 21.1390% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 2.2939% | 2,593 |
| Noncurrent loans to loans | 2.0668% | 3,069 |
| Net loans and leases to total assets | 84.9346% | 155 |
| Net loans and leases to deposits | 94.4407% | 629 |
| Net loans and leases to core deposits | 97.3339% | 1,178 |
| Total domestic deposits to total assets | 89.9343% | 1,121 |
| Equity capital to assets | 7.8958% | 6,586 |
| Core capital (leverage) ratio | 8.1939% | 6,032 |
| Tier 1 risk-based capital ratio | 10.6709% | 6,685 |
| Total risk-based capital ratio | 11.1687% | 6,900 |
| Memoranda: | ||
| Average total assets | $327,929,500 | 1,984 |
| Average earning assets | $288,046,000 | 2,074 |
| Average equity | $26,153,500 | 2,556 |
| Average total loans | $284,213,000 | 1,492 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 3,084 |
| Cost of funding earning assets | 0.9728% | 3,555 |
| Net interest margin | 3.9830% | 2,971 |
| Noninterest income to average assets | 2.5130% | 268 |
| Noninterest expense to average assets | 5.1308% | 351 |
| Loan and lease loss provision to assets | 0.3694% | 2,774 |
| Net operating income to assets | 0.3231% | 5,177 |
| Return on assets (ROA) | 0.3231% | 5,328 |
| Pretax return on assets | 0.5485% | 4,843 |
| Return on Equity (ROE) | 3.9226% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.9226% | 3,417 |
| Net charge-offs to loans | 0.4905% | 3,032 |
| Credit loss provision to net charge-offs | 84.5142% | 4,259 |
| Earnings coverage of net charge-offs (x) | 2.1001% | 4,202 |
| Efficiency ratio | 84.8261% | 1,682 |
| Assets per employee ($millions) | 2.6361% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4987% | 7,108 |
| Loan loss allowance to noncurrent loans | 21.3846% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 2.6305% | 2,313 |
| Noncurrent loans to loans | 2.3322% | 2,819 |
| Net loans and leases to total assets | 87.6224% | 85 |
| Net loans and leases to deposits | 100.4064% | 439 |
| Net loans and leases to core deposits | 103.7618% | 916 |
| Total domestic deposits to total assets | 87.2677% | 2,599 |
| Equity capital to assets | 8.0567% | 6,533 |
| Core capital (leverage) ratio | 8.3324% | 5,809 |
| Tier 1 risk-based capital ratio | 10.7369% | 6,588 |
| Total risk-based capital ratio | 11.3110% | 6,829 |
| Memoranda: | ||
| Average total assets | $313,245,400 | 2,049 |
| Average earning assets | $278,059,200 | 2,113 |
| Average equity | $25,799,200 | 2,499 |
| Average total loans | $279,083,000 | 1,523 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9626% | 3,277 |
| Cost of funding earning assets | 0.9686% | 3,901 |
| Net interest margin | 3.9940% | 2,934 |
| Noninterest income to average assets | 2.4055% | 279 |
| Noninterest expense to average assets | 5.0941% | 344 |
| Loan and lease loss provision to assets | 0.3839% | 2,556 |
| Net operating income to assets | 0.3152% | 5,337 |
| Return on assets (ROA) | 0.3152% | 5,512 |
| Pretax return on assets | 0.4848% | 5,207 |
| Return on Equity (ROE) | 3.8052% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.8052% | 4,025 |
| Net charge-offs to loans | 0.6093% | 2,420 |
| Credit loss provision to net charge-offs | 70.5047% | 4,468 |
| Earnings coverage of net charge-offs (x) | 1.5954% | 4,446 |
| Efficiency ratio | 85.4314% | 1,586 |
| Assets per employee ($millions) | 2.5323% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3855% | 7,241 |
| Loan loss allowance to noncurrent loans | 20.8903% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 2.3217% | 2,768 |
| Noncurrent loans to loans | 1.8454% | 3,573 |
| Net loans and leases to total assets | 88.4870% | 67 |
| Net loans and leases to deposits | 100.7938% | 434 |
| Net loans and leases to core deposits | 103.7746% | 994 |
| Total domestic deposits to total assets | 87.7901% | 2,171 |
| Equity capital to assets | 8.2461% | 6,529 |
| Core capital (leverage) ratio | 8.2980% | 5,976 |
| Tier 1 risk-based capital ratio | 11.0274% | 6,525 |
| Total risk-based capital ratio | 11.4832% | 6,870 |
| Memoranda: | ||
| Average total assets | $310,497,000 | 2,071 |
| Average earning assets | $276,544,500 | 2,129 |
| Average equity | $25,718,250 | 2,506 |
| Average total loans | $277,471,250 | 1,547 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 3,371 |
| Cost of funding earning assets | 0.9602% | 4,248 |
| Net interest margin | 3.9970% | 2,851 |
| Noninterest income to average assets | 2.1693% | 325 |
| Noninterest expense to average assets | 5.0661% | 353 |
| Loan and lease loss provision to assets | 0.2399% | 3,514 |
| Net operating income to assets | 0.2801% | 5,450 |
| Return on assets (ROA) | 0.2801% | 5,579 |
| Pretax return on assets | 0.4311% | 5,291 |
| Return on Equity (ROE) | 3.3763% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.3763% | 4,110 |
| Net charge-offs to loans | 0.3540% | 3,136 |
| Credit loss provision to net charge-offs | 75.6646% | 3,894 |
| Earnings coverage of net charge-offs (x) | 2.1166% | 3,787 |
| Efficiency ratio | 88.3038% | 1,385 |
| Assets per employee ($millions) | 2.6094% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4721% | 7,245 |
| Loan loss allowance to noncurrent loans | 16.0648% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 2.9458% | 2,274 |
| Noncurrent loans to loans | 2.9390% | 2,477 |
| Net loans and leases to total assets | 89.3980% | 51 |
| Net loans and leases to deposits | 103.7259% | 328 |
| Net loans and leases to core deposits | 106.5937% | 895 |
| Total domestic deposits to total assets | 86.1868% | 3,223 |
| Equity capital to assets | 8.1711% | 6,540 |
| Core capital (leverage) ratio | 8.4793% | 5,584 |
| Tier 1 risk-based capital ratio | 10.9881% | 6,539 |
| Total risk-based capital ratio | 11.5554% | 6,859 |
| Memoranda: | ||
| Average total assets | $308,483,330 | 2,087 |
| Average earning assets | $275,353,670 | 2,141 |
| Average equity | $25,590,330 | 2,502 |
| Average total loans | $276,235,330 | 1,570 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 3,242 |
| Cost of funding earning assets | 0.9964% | 4,229 |
| Net interest margin | 3.9754% | 2,794 |
| Noninterest income to average assets | 1.8474% | 411 |
| Noninterest expense to average assets | 4.5451% | 571 |
| Loan and lease loss provision to assets | 0.2362% | 3,300 |
| Net operating income to assets | 0.3963% | 4,964 |
| Return on assets (ROA) | 0.3963% | 5,059 |
| Pretax return on assets | 0.6101% | 4,647 |
| Return on Equity (ROE) | 4.7399% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.7399% | 3,350 |
| Net charge-offs to loans | 0.6824% | 1,850 |
| Credit loss provision to net charge-offs | 38.7097% | 3,977 |
| Earnings coverage of net charge-offs (x) | 1.3871% | 3,656 |
| Efficiency ratio | 84.3028% | 1,920 |
| Assets per employee ($millions) | 2.4228% | 7,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4390% | 7,323 |
| Loan loss allowance to noncurrent loans | 15.2854% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 2.8759% | 2,398 |
| Noncurrent loans to loans | 2.8723% | 2,622 |
| Net loans and leases to total assets | 88.5408% | 69 |
| Net loans and leases to deposits | 99.9827% | 469 |
| Net loans and leases to core deposits | 102.5008% | 1,162 |
| Total domestic deposits to total assets | 88.5561% | 2,042 |
| Equity capital to assets | 8.5444% | 5,844 |
| Core capital (leverage) ratio | 8.5296% | 5,390 |
| Tier 1 risk-based capital ratio | 11.6472% | 5,984 |
| Total risk-based capital ratio | 12.1763% | 6,536 |
| Memoranda: | ||
| Average total assets | $304,858,000 | 2,121 |
| Average earning assets | $271,768,500 | 2,190 |
| Average equity | $25,486,000 | 2,495 |
| Average total loans | $272,553,500 | 1,611 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 3,976 |
| Cost of funding earning assets | 1.2269% | 4,376 |
| Net interest margin | 3.8980% | 3,500 |
| Noninterest income to average assets | 1.5866% | 581 |
| Noninterest expense to average assets | 4.3590% | 762 |
| Loan and lease loss provision to assets | 0.4053% | 3,684 |
| Net operating income to assets | 0.1880% | 5,307 |
| Return on assets (ROA) | 0.1880% | 5,483 |
| Pretax return on assets | 0.3414% | 5,107 |
| Return on Equity (ROE) | 2.3248% | 5,249 |
| Retained earnings to average equity (ytd only) | 2.3248% | 4,250 |
| Net charge-offs to loans | 0.3450% | 4,287 |
| Credit loss provision to net charge-offs | 130.3983% | 3,043 |
| Earnings coverage of net charge-offs (x) | 2.4025% | 3,931 |
| Efficiency ratio | 85.3752% | 1,762 |
| Assets per employee ($millions) | 2.4743% | 7,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5886% | 7,279 |
| Loan loss allowance to noncurrent loans | 16.3257% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 3.3807% | 2,071 |
| Noncurrent loans to loans | 3.6056% | 2,076 |
| Net loans and leases to total assets | 89.3331% | 72 |
| Net loans and leases to deposits | 105.5157% | 341 |
| Net loans and leases to core deposits | 107.7867% | 1,069 |
| Total domestic deposits to total assets | 84.6633% | 4,018 |
| Equity capital to assets | 8.1808% | 6,281 |
| Core capital (leverage) ratio | 8.2996% | 5,690 |
| Tier 1 risk-based capital ratio | 11.3816% | 6,012 |
| Total risk-based capital ratio | 12.1074% | 6,411 |
| Memoranda: | ||
| Average total assets | $306,952,000 | 2,116 |
| Average earning assets | $277,117,600 | 2,137 |
| Average equity | $24,819,000 | 2,573 |
| Average total loans | $276,545,000 | 1,615 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0962% | 4,340 |
| Cost of funding earning assets | 1.2825% | 4,352 |
| Net interest margin | 3.8137% | 3,916 |
| Noninterest income to average assets | 1.2429% | 886 |
| Noninterest expense to average assets | 4.1235% | 911 |
| Loan and lease loss provision to assets | 0.2528% | 4,563 |
| Net operating income to assets | 0.2058% | 5,491 |
| Return on assets (ROA) | 0.2058% | 5,654 |
| Pretax return on assets | 0.3168% | 5,459 |
| Return on Equity (ROE) | 2.5534% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.5534% | 4,634 |
| Net charge-offs to loans | 0.3413% | 3,937 |
| Credit loss provision to net charge-offs | 82.1782% | 5,064 |
| Earnings coverage of net charge-offs (x) | 1.8515% | 4,321 |
| Efficiency ratio | 87.8616% | 1,460 |
| Assets per employee ($millions) | 2.6389% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4330% | 7,504 |
| Loan loss allowance to noncurrent loans | 16.4709% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 2.5183% | 2,850 |
| Noncurrent loans to loans | 2.6292% | 2,995 |
| Net loans and leases to total assets | 90.0798% | 58 |
| Net loans and leases to deposits | 104.2545% | 419 |
| Net loans and leases to core deposits | 106.2692% | 1,302 |
| Total domestic deposits to total assets | 86.4038% | 2,852 |
| Equity capital to assets | 8.0204% | 6,790 |
| Core capital (leverage) ratio | 8.1874% | 6,060 |
| Tier 1 risk-based capital ratio | 11.2269% | 6,164 |
| Total risk-based capital ratio | 11.7698% | 6,751 |
| Memoranda: | ||
| Average total assets | $306,368,750 | 2,150 |
| Average earning assets | $277,166,000 | 2,166 |
| Average equity | $24,698,250 | 2,627 |
| Average total loans | $276,198,750 | 1,641 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 4,562 |
| Cost of funding earning assets | 1.3303% | 4,333 |
| Net interest margin | 3.7481% | 4,141 |
| Noninterest income to average assets | 1.1192% | 1,045 |
| Noninterest expense to average assets | 4.1176% | 902 |
| Loan and lease loss provision to assets | 0.1713% | 5,152 |
| Net operating income to assets | 0.1464% | 5,735 |
| Return on assets (ROA) | 0.1464% | 5,849 |
| Pretax return on assets | 0.2258% | 5,715 |
| Return on Equity (ROE) | 1.8126% | 5,692 |
| Retained earnings to average equity (ytd only) | 1.8126% | 4,962 |
| Net charge-offs to loans | 0.1720% | 4,584 |
| Credit loss provision to net charge-offs | 110.5932% | 3,676 |
| Earnings coverage of net charge-offs (x) | 2.5636% | 3,716 |
| Efficiency ratio | 91.2038% | 1,246 |
| Assets per employee ($millions) | 2.4786% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4866% | 7,522 |
| Loan loss allowance to noncurrent loans | 18.7654% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 2.4985% | 2,881 |
| Noncurrent loans to loans | 2.5928% | 3,045 |
| Net loans and leases to total assets | 90.5067% | 58 |
| Net loans and leases to deposits | 101.3610% | 633 |
| Net loans and leases to core deposits | 103.4231% | 1,692 |
| Total domestic deposits to total assets | 89.2915% | 1,285 |
| Equity capital to assets | 7.9804% | 6,771 |
| Core capital (leverage) ratio | 8.1220% | 6,082 |
| Tier 1 risk-based capital ratio | 11.2750% | 5,967 |
| Total risk-based capital ratio | 11.8937% | 6,567 |
| Memoranda: | ||
| Average total assets | $304,693,330 | 2,173 |
| Average earning assets | $276,031,670 | 2,189 |
| Average equity | $24,606,000 | 2,636 |
| Average total loans | $274,357,000 | 1,666 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 4,766 |
| Cost of funding earning assets | 1.4173% | 4,067 |
| Net interest margin | 3.6369% | 4,550 |
| Noninterest income to average assets | 1.1306% | 975 |
| Noninterest expense to average assets | 4.0883% | 915 |
| Loan and lease loss provision to assets | 0.1549% | 4,983 |
| Net operating income to assets | 0.1192% | 5,974 |
| Return on assets (ROA) | 0.1192% | 6,086 |
| Pretax return on assets | 0.1827% | 5,934 |
| Return on Equity (ROE) | 1.4666% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.4666% | 5,215 |
| Net charge-offs to loans | 0.3045% | 3,199 |
| Credit loss provision to net charge-offs | 56.7961% | 4,368 |
| Earnings coverage of net charge-offs (x) | 1.2379% | 4,021 |
| Efficiency ratio | 92.3721% | 1,250 |
| Assets per employee ($millions) | 2.5308% | 7,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4633% | 7,625 |
| Loan loss allowance to noncurrent loans | 31.7264% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6559% | 3,988 |
| Noncurrent loans to loans | 1.4605% | 4,553 |
| Net loans and leases to total assets | 88.1782% | 116 |
| Net loans and leases to deposits | 99.0216% | 821 |
| Net loans and leases to core deposits | 101.2190% | 2,003 |
| Total domestic deposits to total assets | 89.0494% | 1,493 |
| Equity capital to assets | 8.0305% | 6,619 |
| Core capital (leverage) ratio | 8.2487% | 5,835 |
| Tier 1 risk-based capital ratio | 11.5774% | 5,600 |
| Total risk-based capital ratio | 12.1630% | 6,220 |
| Memoranda: | ||
| Average total assets | $302,130,000 | 2,237 |
| Average earning assets | $273,751,500 | 2,256 |
| Average equity | $24,546,500 | 2,661 |
| Average total loans | $270,646,000 | 1,739 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1908% | 5,690 |
| Cost of funding earning assets | 1.7113% | 4,443 |
| Net interest margin | 3.4795% | 5,043 |
| Noninterest income to average assets | 1.0373% | 1,446 |
| Noninterest expense to average assets | 4.2664% | 1,022 |
| Loan and lease loss provision to assets | 0.3718% | 4,554 |
| Net operating income to assets | -0.1264% | 5,720 |
| Return on assets (ROA) | 0.1614% | 5,090 |
| Pretax return on assets | -0.0122% | 5,467 |
| Return on Equity (ROE) | 1.9429% | 4,933 |
| Retained earnings to average equity (ytd only) | 1.9429% | 3,737 |
| Net charge-offs to loans | 0.2717% | 4,921 |
| Credit loss provision to net charge-offs | 151.2363% | 3,048 |
| Earnings coverage of net charge-offs (x) | -0.3668% | 6,599 |
| Efficiency ratio | 102.1588% | 1,007 |
| Assets per employee ($millions) | 2.4630% | 7,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4985% | 7,667 |
| Loan loss allowance to noncurrent loans | 36.7358% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 3,976 |
| Noncurrent loans to loans | 1.3570% | 4,656 |
| Net loans and leases to total assets | 90.1456% | 84 |
| Net loans and leases to deposits | 102.5451% | 719 |
| Net loans and leases to core deposits | 115.3488% | 2,379 |
| Total domestic deposits to total assets | 87.9082% | 2,008 |
| Equity capital to assets | 8.2210% | 6,317 |
| Core capital (leverage) ratio | 8.4011% | 5,434 |
| Tier 1 risk-based capital ratio | 11.4010% | 5,507 |
| Total risk-based capital ratio | 12.0208% | 6,113 |
| Memoranda: | ||
| Average total assets | $296,152,000 | 2,238 |
| Average earning assets | $267,164,500 | 2,266 |
| Average equity | $24,603,000 | 2,651 |
| Average total loans | $267,963,000 | 1,791 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2177% | 5,805 |
| Cost of funding earning assets | 1.7835% | 4,458 |
| Net interest margin | 3.4342% | 5,135 |
| Noninterest income to average assets | 1.0258% | 1,506 |
| Noninterest expense to average assets | 4.1629% | 1,070 |
| Loan and lease loss provision to assets | 0.4309% | 3,748 |
| Net operating income to assets | -0.2741% | 6,168 |
| Return on assets (ROA) | 0.3294% | 4,784 |
| Pretax return on assets | 0.1300% | 5,460 |
| Return on Equity (ROE) | 3.9235% | 4,402 |
| Retained earnings to average equity (ytd only) | 3.9235% | 3,090 |
| Net charge-offs to loans | 0.3154% | 4,069 |
| Credit loss provision to net charge-offs | 151.1924% | 3,174 |
| Earnings coverage of net charge-offs (x) | -0.1494% | 6,234 |
| Efficiency ratio | 101.0336% | 1,018 |
| Assets per employee ($millions) | 2.4939% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4870% | 7,733 |
| Loan loss allowance to noncurrent loans | 26.0616% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 2.0532% | 3,277 |
| Noncurrent loans to loans | 1.8686% | 3,812 |
| Net loans and leases to total assets | 89.9244% | 121 |
| Net loans and leases to deposits | 104.0774% | 771 |
| Net loans and leases to core deposits | 117.5119% | 2,470 |
| Total domestic deposits to total assets | 86.4015% | 2,475 |
| Equity capital to assets | 8.3952% | 6,392 |
| Core capital (leverage) ratio | 8.5673% | 5,355 |
| Tier 1 risk-based capital ratio | 11.6296% | 5,306 |
| Total risk-based capital ratio | 12.2318% | 5,939 |
| Memoranda: | ||
| Average total assets | $294,275,000 | 2,268 |
| Average earning assets | $265,167,000 | 2,292 |
| Average equity | $24,705,000 | 2,656 |
| Average total loans | $265,920,000 | 1,816 |