Home > Colombo Bank > Performance and Condition Ratios
Colombo 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 | 4.8287% | 1,349 |
| Cost of funding earning assets | 0.9976% | 603 |
| Net interest margin | 3.8310% | 2,523 |
| Noninterest income to average assets | 0.1066% | 5,192 |
| Noninterest expense to average assets | 3.6336% | 815 |
| Loan and lease loss provision to assets | -0.2111% | 5,405 |
| Net operating income to assets | 0.4069% | 4,941 |
| Return on assets (ROA) | 0.4069% | 4,943 |
| Pretax return on assets | 0.4069% | 5,030 |
| Return on Equity (ROE) | 3.6759% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.6759% | 3,931 |
| Net charge-offs to loans | 0.1371% | 1,182 |
| Credit loss provision to net charge-offs | -194.2675% | 4,322 |
| Earnings coverage of net charge-offs (x) | 1.8025% | 3,311 |
| Efficiency ratio | 94.8862% | 224 |
| Assets per employee ($millions) | 4.7176% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,296 |
| Loan loss allowance to noncurrent loans | 155.4007% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9390% | 1,561 |
| Noncurrent loans to loans | 0.9752% | 1,743 |
| Net loans and leases to total assets | 76.7955% | 1,534 |
| Net loans and leases to deposits | 104.4741% | 522 |
| Net loans and leases to core deposits | 110.8140% | 987 |
| Total domestic deposits to total assets | 73.5068% | 5,022 |
| Equity capital to assets | 11.3818% | 2,341 |
| Core capital (leverage) ratio | 11.0467% | 2,535 |
| Tier 1 risk-based capital ratio | 16.2398% | 2,360 |
| Total risk-based capital ratio | 17.4960% | 2,303 |
| Memoranda: | ||
| Average total assets | $192,679,500 | 2,962 |
| Average earning assets | $187,238,500 | 2,877 |
| Average equity | $21,327,500 | 2,971 |
| Average total loans | $152,738,750 | 2,618 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 1,459 |
| Cost of funding earning assets | 0.9702% | 537 |
| Net interest margin | 3.7483% | 2,757 |
| Noninterest income to average assets | 0.1711% | 4,969 |
| Noninterest expense to average assets | 3.6649% | 806 |
| Loan and lease loss provision to assets | -0.2062% | 5,475 |
| Net operating income to assets | 0.3567% | 5,039 |
| Return on assets (ROA) | 0.3567% | 5,036 |
| Pretax return on assets | 0.3567% | 5,098 |
| Return on Equity (ROE) | 3.2523% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.2523% | 3,944 |
| Net charge-offs to loans | -0.1526% | 5,276 |
| Credit loss provision to net charge-offs | 169.4915% | 1,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0551% | 222 |
| Assets per employee ($millions) | 4.6734% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 890 |
| Loan loss allowance to noncurrent loans | 128.8111% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2912% | 1,099 |
| Noncurrent loans to loans | 1.3287% | 1,278 |
| Net loans and leases to total assets | 78.2544% | 1,271 |
| Net loans and leases to deposits | 105.7284% | 453 |
| Net loans and leases to core deposits | 111.1462% | 930 |
| Total domestic deposits to total assets | 74.0145% | 5,039 |
| Equity capital to assets | 11.1131% | 2,532 |
| Core capital (leverage) ratio | 10.8586% | 2,652 |
| Tier 1 risk-based capital ratio | 15.6939% | 2,550 |
| Total risk-based capital ratio | 16.9530% | 2,490 |
| Memoranda: | ||
| Average total assets | $194,004,330 | 2,960 |
| Average earning assets | $188,617,000 | 2,868 |
| Average equity | $21,277,330 | 2,991 |
| Average total loans | $154,602,670 | 2,610 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 1,219 |
| Cost of funding earning assets | 0.9433% | 483 |
| Net interest margin | 3.7941% | 2,452 |
| Noninterest income to average assets | 0.1660% | 5,027 |
| Noninterest expense to average assets | 3.4959% | 1,010 |
| Loan and lease loss provision to assets | -0.4098% | 5,573 |
| Net operating income to assets | 0.7725% | 3,823 |
| Return on assets (ROA) | 0.7725% | 3,819 |
| Pretax return on assets | 0.7725% | 4,216 |
| Return on Equity (ROE) | 7.0901% | 3,755 |
| Retained earnings to average equity (ytd only) | 7.0901% | 2,243 |
| Net charge-offs to loans | -0.1028% | 5,213 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6001% | 418 |
| Assets per employee ($millions) | 4.2316% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 1,067 |
| Loan loss allowance to noncurrent loans | 108.8564% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1949% | 1,279 |
| Noncurrent loans to loans | 1.5102% | 1,168 |
| Net loans and leases to total assets | 77.8254% | 1,272 |
| Net loans and leases to deposits | 104.5681% | 452 |
| Net loans and leases to core deposits | 141.5870% | 197 |
| Total domestic deposits to total assets | 74.4255% | 5,113 |
| Equity capital to assets | 10.9769% | 2,605 |
| Core capital (leverage) ratio | 10.7224% | 2,715 |
| Tier 1 risk-based capital ratio | 15.8282% | 2,545 |
| Total risk-based capital ratio | 17.0863% | 2,485 |
| Memoranda: | ||
| Average total assets | $195,201,000 | 2,977 |
| Average earning assets | $189,977,000 | 2,880 |
| Average equity | $21,269,000 | 3,023 |
| Average total loans | $155,626,500 | 2,621 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,402 |
| Cost of funding earning assets | 1.0565% | 158 |
| Net interest margin | 3.5524% | 3,331 |
| Noninterest income to average assets | 0.2132% | 4,874 |
| Noninterest expense to average assets | 3.6353% | 858 |
| Loan and lease loss provision to assets | -0.4936% | 5,650 |
| Net operating income to assets | 0.5114% | 4,348 |
| Return on assets (ROA) | 0.5114% | 4,379 |
| Pretax return on assets | 0.5252% | 4,889 |
| Return on Equity (ROE) | 5.0257% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.0257% | 2,110 |
| Net charge-offs to loans | -0.4619% | 5,602 |
| Credit loss provision to net charge-offs | 134.0483% | 1,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1385% | 189 |
| Assets per employee ($millions) | 4.1648% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 925 |
| Loan loss allowance to noncurrent loans | 82.0982% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.6751% | 773 |
| Noncurrent loans to loans | 2.0855% | 718 |
| Net loans and leases to total assets | 78.9478% | 1,129 |
| Net loans and leases to deposits | 111.1249% | 240 |
| Net loans and leases to core deposits | 157.5552% | 95 |
| Total domestic deposits to total assets | 71.0443% | 5,363 |
| Equity capital to assets | 10.8155% | 2,823 |
| Core capital (leverage) ratio | 10.5406% | 2,798 |
| Tier 1 risk-based capital ratio | 15.3582% | 2,680 |
| Total risk-based capital ratio | 16.6000% | 2,618 |
| Memoranda: | ||
| Average total assets | $202,595,200 | 2,902 |
| Average earning assets | $196,967,200 | 2,799 |
| Average equity | $20,614,000 | 3,069 |
| Average total loans | $161,520,400 | 2,532 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,338 |
| Cost of funding earning assets | 1.0451% | 150 |
| Net interest margin | 3.5663% | 3,271 |
| Noninterest income to average assets | 0.2238% | 4,877 |
| Noninterest expense to average assets | 3.2551% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4359% | 4,913 |
| Return on assets (ROA) | 0.4359% | 4,944 |
| Pretax return on assets | 0.4359% | 5,130 |
| Return on Equity (ROE) | 4.3499% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.3499% | 3,316 |
| Net charge-offs to loans | -0.0918% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1895% | 503 |
| Assets per employee ($millions) | 4.5086% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 709 |
| Loan loss allowance to noncurrent loans | 139.0909% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 1,537 |
| Noncurrent loans to loans | 1.3625% | 1,380 |
| Net loans and leases to total assets | 78.0751% | 1,257 |
| Net loans and leases to deposits | 108.0569% | 336 |
| Net loans and leases to core deposits | 150.6682% | 120 |
| Total domestic deposits to total assets | 72.2537% | 5,361 |
| Equity capital to assets | 10.2870% | 3,599 |
| Core capital (leverage) ratio | 10.0362% | 3,528 |
| Tier 1 risk-based capital ratio | 14.7451% | 3,038 |
| Total risk-based capital ratio | 15.9898% | 2,976 |
| Memoranda: | ||
| Average total assets | $204,307,250 | 2,904 |
| Average earning assets | $198,631,000 | 2,805 |
| Average equity | $20,474,750 | 3,107 |
| Average total loans | $162,593,000 | 2,527 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 1,540 |
| Cost of funding earning assets | 1.0369% | 138 |
| Net interest margin | 3.4533% | 3,577 |
| Noninterest income to average assets | 0.2295% | 4,864 |
| Noninterest expense to average assets | 3.2298% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3565% | 5,076 |
| Return on assets (ROA) | 0.3565% | 5,100 |
| Pretax return on assets | 0.3565% | 5,258 |
| Return on Equity (ROE) | 3.5885% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.5885% | 3,569 |
| Net charge-offs to loans | -0.0540% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0599% | 450 |
| Assets per employee ($millions) | 4.5834% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 783 |
| Loan loss allowance to noncurrent loans | 100.6393% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 1,035 |
| Noncurrent loans to loans | 1.8444% | 958 |
| Net loans and leases to total assets | 76.6750% | 1,433 |
| Net loans and leases to deposits | 105.2279% | 431 |
| Net loans and leases to core deposits | 148.7257% | 130 |
| Total domestic deposits to total assets | 72.8656% | 5,399 |
| Equity capital to assets | 9.9804% | 3,935 |
| Core capital (leverage) ratio | 9.7267% | 3,865 |
| Tier 1 risk-based capital ratio | 14.6451% | 3,086 |
| Total risk-based capital ratio | 15.8897% | 3,013 |
| Memoranda: | ||
| Average total assets | $204,780,330 | 2,910 |
| Average earning assets | $199,055,330 | 2,815 |
| Average equity | $20,342,670 | 3,120 |
| Average total loans | $162,969,000 | 2,517 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 1,469 |
| Cost of funding earning assets | 1.0309% | 144 |
| Net interest margin | 3.4296% | 3,527 |
| Noninterest income to average assets | 0.2647% | 4,648 |
| Noninterest expense to average assets | 3.2562% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3411% | 5,100 |
| Return on assets (ROA) | 0.3411% | 5,118 |
| Pretax return on assets | 0.3411% | 5,244 |
| Return on Equity (ROE) | 3.4419% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.4419% | 3,717 |
| Net charge-offs to loans | -0.0220% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5177% | 532 |
| Assets per employee ($millions) | 4.7081% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 978 |
| Loan loss allowance to noncurrent loans | 89.2782% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.6437% | 938 |
| Noncurrent loans to loans | 2.0018% | 889 |
| Net loans and leases to total assets | 78.4159% | 1,072 |
| Net loans and leases to deposits | 107.2698% | 281 |
| Net loans and leases to core deposits | 156.1541% | 88 |
| Total domestic deposits to total assets | 73.1016% | 5,482 |
| Equity capital to assets | 9.8046% | 3,972 |
| Core capital (leverage) ratio | 9.8619% | 3,678 |
| Tier 1 risk-based capital ratio | 14.2387% | 3,342 |
| Total risk-based capital ratio | 15.4832% | 3,262 |
| Memoranda: | ||
| Average total assets | $204,043,000 | 2,949 |
| Average earning assets | $198,276,000 | 2,845 |
| Average equity | $20,221,500 | 3,144 |
| Average total loans | $163,885,000 | 2,530 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,862 |
| Cost of funding earning assets | 1.0041% | 168 |
| Net interest margin | 3.3825% | 3,880 |
| Noninterest income to average assets | 0.1598% | 5,412 |
| Noninterest expense to average assets | 3.5345% | 1,110 |
| Loan and lease loss provision to assets | -0.1637% | 5,749 |
| Net operating income to assets | 0.0789% | 5,585 |
| Return on assets (ROA) | 0.1111% | 5,579 |
| Pretax return on assets | 0.1111% | 5,584 |
| Return on Equity (ROE) | 1.1098% | 5,556 |
| Retained earnings to average equity (ytd only) | 1.1098% | 4,861 |
| Net charge-offs to loans | 0.0528% | 2,978 |
| Credit loss provision to net charge-offs | -392.8571% | 5,126 |
| Earnings coverage of net charge-offs (x) | -2.0357% | 4,193 |
| Efficiency ratio | 102.4597% | 194 |
| Assets per employee ($millions) | 4.2751% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8150% | 925 |
| Loan loss allowance to noncurrent loans | 75.7000% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.9843% | 695 |
| Noncurrent loans to loans | 2.3976% | 667 |
| Net loans and leases to total assets | 79.3430% | 991 |
| Net loans and leases to deposits | 109.6837% | 235 |
| Net loans and leases to core deposits | 167.5034% | 66 |
| Total domestic deposits to total assets | 72.3380% | 5,536 |
| Equity capital to assets | 10.0195% | 3,700 |
| Core capital (leverage) ratio | 9.9413% | 3,566 |
| Tier 1 risk-based capital ratio | 14.7318% | 3,084 |
| Total risk-based capital ratio | 15.9758% | 3,033 |
| Memoranda: | ||
| Average total assets | $201,530,200 | 2,939 |
| Average earning assets | $196,006,000 | 2,839 |
| Average equity | $20,184,200 | 3,152 |
| Average total loans | $159,192,400 | 2,528 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 1,799 |
| Cost of funding earning assets | 0.9826% | 185 |
| Net interest margin | 3.4370% | 3,716 |
| Noninterest income to average assets | 0.1613% | 5,466 |
| Noninterest expense to average assets | 3.6228% | 967 |
| Loan and lease loss provision to assets | -0.1983% | 5,867 |
| Net operating income to assets | 0.0807% | 5,647 |
| Return on assets (ROA) | 0.1236% | 5,648 |
| Pretax return on assets | 0.1236% | 5,648 |
| Return on Equity (ROE) | 1.2345% | 5,615 |
| Retained earnings to average equity (ytd only) | 1.2345% | 5,014 |
| Net charge-offs to loans | -0.1229% | 5,645 |
| Credit loss provision to net charge-offs | 205.4795% | 1,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3572% | 185 |
| Assets per employee ($millions) | 4.3096% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0639% | 646 |
| Loan loss allowance to noncurrent loans | 113.7540% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 1,272 |
| Noncurrent loans to loans | 1.8143% | 1,136 |
| Net loans and leases to total assets | 75.1792% | 1,672 |
| Net loans and leases to deposits | 103.7684% | 471 |
| Net loans and leases to core deposits | 155.3419% | 103 |
| Total domestic deposits to total assets | 72.4491% | 5,571 |
| Equity capital to assets | 10.0478% | 4,086 |
| Core capital (leverage) ratio | 9.8719% | 3,730 |
| Tier 1 risk-based capital ratio | 15.5982% | 2,795 |
| Total risk-based capital ratio | 16.8468% | 2,725 |
| Memoranda: | ||
| Average total assets | $201,680,500 | 2,947 |
| Average earning assets | $196,210,500 | 2,840 |
| Average equity | $20,197,250 | 3,173 |
| Average total loans | $158,398,000 | 2,542 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 1,513 |
| Cost of funding earning assets | 0.9661% | 202 |
| Net interest margin | 3.5334% | 3,356 |
| Noninterest income to average assets | 0.1778% | 5,432 |
| Noninterest expense to average assets | 3.7033% | 879 |
| Loan and lease loss provision to assets | -0.1490% | 5,914 |
| Net operating income to assets | 0.0596% | 5,712 |
| Return on assets (ROA) | 0.1241% | 5,688 |
| Pretax return on assets | 0.1241% | 5,696 |
| Return on Equity (ROE) | 1.2410% | 5,648 |
| Retained earnings to average equity (ytd only) | 1.2410% | 4,885 |
| Net charge-offs to loans | -0.1456% | 5,731 |
| Credit loss provision to net charge-offs | 129.3103% | 1,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4732% | 213 |
| Assets per employee ($millions) | 4.2960% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 560 |
| Loan loss allowance to noncurrent loans | 190.9925% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 2,163 |
| Noncurrent loans to loans | 1.1431% | 2,013 |
| Net loans and leases to total assets | 73.8718% | 1,867 |
| Net loans and leases to deposits | 102.2969% | 545 |
| Net loans and leases to core deposits | 154.2381% | 103 |
| Total domestic deposits to total assets | 72.2131% | 5,659 |
| Equity capital to assets | 10.0504% | 4,162 |
| Core capital (leverage) ratio | 9.9547% | 3,616 |
| Tier 1 risk-based capital ratio | 16.0181% | 2,633 |
| Total risk-based capital ratio | 17.2673% | 2,572 |
| Memoranda: | ||
| Average total assets | $201,390,000 | 2,968 |
| Average earning assets | $195,846,670 | 2,860 |
| Average equity | $20,145,670 | 3,183 |
| Average total loans | $159,368,670 | 2,540 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 1,434 |
| Cost of funding earning assets | 0.9513% | 222 |
| Net interest margin | 3.5762% | 3,181 |
| Noninterest income to average assets | 0.2048% | 5,267 |
| Noninterest expense to average assets | 3.8184% | 753 |
| Loan and lease loss provision to assets | -0.2983% | 6,050 |
| Net operating income to assets | 0.1611% | 5,597 |
| Return on assets (ROA) | 0.1611% | 5,654 |
| Pretax return on assets | 0.1611% | 5,684 |
| Return on Equity (ROE) | 1.6142% | 5,594 |
| Retained earnings to average equity (ytd only) | 1.6142% | 4,627 |
| Net charge-offs to loans | -0.3710% | 5,960 |
| Credit loss provision to net charge-offs | 99.3377% | 1,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7277% | 217 |
| Assets per employee ($millions) | 4.1587% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0907% | 696 |
| Loan loss allowance to noncurrent loans | 101.2342% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.7909% | 1,041 |
| Noncurrent loans to loans | 2.0652% | 1,026 |
| Net loans and leases to total assets | 78.8973% | 966 |
| Net loans and leases to deposits | 109.4818% | 239 |
| Net loans and leases to core deposits | 165.1331% | 66 |
| Total domestic deposits to total assets | 72.0643% | 5,767 |
| Equity capital to assets | 10.1073% | 3,937 |
| Core capital (leverage) ratio | 10.0309% | 3,501 |
| Tier 1 risk-based capital ratio | 15.1605% | 3,082 |
| Total risk-based capital ratio | 16.4087% | 3,017 |
| Memoranda: | ||
| Average total assets | $201,129,000 | 2,978 |
| Average earning assets | $195,516,000 | 2,869 |
| Average equity | $20,072,000 | 3,190 |
| Average total loans | $162,810,500 | 2,498 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 1,727 |
| Cost of funding earning assets | 1.0899% | 109 |
| Net interest margin | 3.3658% | 4,054 |
| Noninterest income to average assets | 0.3907% | 4,102 |
| Noninterest expense to average assets | 3.9530% | 717 |
| Loan and lease loss provision to assets | -0.2641% | 6,041 |
| Net operating income to assets | -0.0344% | 5,886 |
| Return on assets (ROA) | 0.0075% | 5,893 |
| Pretax return on assets | 0.0075% | 5,886 |
| Return on Equity (ROE) | 0.0752% | 5,891 |
| Retained earnings to average equity (ytd only) | 0.0752% | 5,476 |
| Net charge-offs to loans | -0.1517% | 5,898 |
| Credit loss provision to net charge-offs | 225.5319% | 1,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1674% | 155 |
| Assets per employee ($millions) | 3.8234% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0405% | 753 |
| Loan loss allowance to noncurrent loans | 96.9994% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.9414% | 923 |
| Noncurrent loans to loans | 2.1036% | 977 |
| Net loans and leases to total assets | 79.6500% | 887 |
| Net loans and leases to deposits | 109.6936% | 249 |
| Net loans and leases to core deposits | 164.2534% | 69 |
| Total domestic deposits to total assets | 72.6114% | 5,758 |
| Equity capital to assets | 9.8540% | 4,126 |
| Core capital (leverage) ratio | 9.5132% | 4,153 |
| Tier 1 risk-based capital ratio | 14.0778% | 3,668 |
| Total risk-based capital ratio | 15.3311% | 3,591 |
| Memoranda: | ||
| Average total assets | $200,682,800 | 2,945 |
| Average earning assets | $194,603,800 | 2,832 |
| Average equity | $19,948,600 | 3,175 |
| Average total loans | $154,903,600 | 2,528 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 1,658 |
| Cost of funding earning assets | 1.0754% | 119 |
| Net interest margin | 3.4055% | 3,928 |
| Noninterest income to average assets | 0.4196% | 3,936 |
| Noninterest expense to average assets | 3.9507% | 701 |
| Loan and lease loss provision to assets | -0.2198% | 6,112 |
| Net operating income to assets | -0.0107% | 5,946 |
| Return on assets (ROA) | 0.0453% | 5,941 |
| Pretax return on assets | 0.0453% | 5,937 |
| Return on Equity (ROE) | 0.4546% | 5,928 |
| Retained earnings to average equity (ytd only) | 0.4546% | 5,490 |
| Net charge-offs to loans | -0.1811% | 5,967 |
| Credit loss provision to net charge-offs | 159.4203% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1941% | 186 |
| Assets per employee ($millions) | 3.8613% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 693 |
| Loan loss allowance to noncurrent loans | 205.2265% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 1,807 |
| Noncurrent loans to loans | 1.0600% | 2,358 |
| Net loans and leases to total assets | 80.6982% | 723 |
| Net loans and leases to deposits | 112.5381% | 197 |
| Net loans and leases to core deposits | 175.3525% | 56 |
| Total domestic deposits to total assets | 71.7075% | 5,881 |
| Equity capital to assets | 10.2064% | 3,926 |
| Core capital (leverage) ratio | 9.5557% | 4,229 |
| Tier 1 risk-based capital ratio | 14.3936% | 3,634 |
| Total risk-based capital ratio | 15.6488% | 3,545 |
| Memoranda: | ||
| Average total assets | $200,193,750 | 2,967 |
| Average earning assets | $194,035,000 | 2,870 |
| Average equity | $19,943,750 | 3,203 |
| Average total loans | $152,438,500 | 2,571 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 1,805 |
| Cost of funding earning assets | 1.0609% | 122 |
| Net interest margin | 3.3540% | 4,087 |
| Noninterest income to average assets | 0.5157% | 3,262 |
| Noninterest expense to average assets | 3.9646% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1977% | 6,105 |
| Return on assets (ROA) | -0.1143% | 6,083 |
| Pretax return on assets | -0.1143% | 6,073 |
| Return on Equity (ROE) | -1.1562% | 6,091 |
| Retained earnings to average equity (ytd only) | -1.1562% | 5,715 |
| Net charge-offs to loans | -0.2334% | 6,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2493% | 231 |
| Assets per employee ($millions) | 3.7627% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4317% | 526 |
| Loan loss allowance to noncurrent loans | 290.6677% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 2,359 |
| Noncurrent loans to loans | 0.8366% | 3,034 |
| Net loans and leases to total assets | 77.0775% | 1,206 |
| Net loans and leases to deposits | 106.9294% | 342 |
| Net loans and leases to core deposits | 162.0911% | 75 |
| Total domestic deposits to total assets | 72.0826% | 5,934 |
| Equity capital to assets | 9.9095% | 4,142 |
| Core capital (leverage) ratio | 9.4386% | 4,365 |
| Tier 1 risk-based capital ratio | 14.6960% | 3,530 |
| Total risk-based capital ratio | 15.9548% | 3,456 |
| Memoranda: | ||
| Average total assets | $201,283,330 | 2,980 |
| Average earning assets | $195,112,330 | 2,875 |
| Average equity | $19,892,000 | 3,224 |
| Average total loans | $149,101,670 | 2,629 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 2,741 |
| Cost of funding earning assets | 1.0612% | 125 |
| Net interest margin | 3.0613% | 5,059 |
| Noninterest income to average assets | 0.2453% | 5,213 |
| Noninterest expense to average assets | 3.8593% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6468% | 6,272 |
| Return on assets (ROA) | -0.4807% | 6,251 |
| Pretax return on assets | -0.4807% | 6,238 |
| Return on Equity (ROE) | -4.8705% | 6,256 |
| Retained earnings to average equity (ytd only) | -4.8705% | 5,927 |
| Net charge-offs to loans | -0.0414% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1355% | 130 |
| Assets per employee ($millions) | 3.9162% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3916% | 623 |
| Loan loss allowance to noncurrent loans | 165.1079% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6382% | 1,551 |
| Noncurrent loans to loans | 1.4485% | 1,966 |
| Net loans and leases to total assets | 73.5907% | 1,556 |
| Net loans and leases to deposits | 101.1966% | 497 |
| Net loans and leases to core deposits | 153.8729% | 93 |
| Total domestic deposits to total assets | 72.7205% | 6,002 |
| Equity capital to assets | 9.7528% | 4,428 |
| Core capital (leverage) ratio | 9.6474% | 4,082 |
| Tier 1 risk-based capital ratio | 15.7036% | 3,056 |
| Total risk-based capital ratio | 16.9543% | 2,997 |
| Memoranda: | ||
| Average total assets | $202,213,000 | 2,988 |
| Average earning assets | $195,996,500 | 2,881 |
| Average equity | $19,957,000 | 3,241 |
| Average total loans | $144,881,500 | 2,695 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 2,879 |
| Cost of funding earning assets | 1.0680% | 164 |
| Net interest margin | 3.1530% | 5,066 |
| Noninterest income to average assets | 0.3180% | 4,844 |
| Noninterest expense to average assets | 4.2028% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.8365% | 6,348 |
| Return on assets (ROA) | -0.7637% | 6,340 |
| Pretax return on assets | -0.7637% | 6,331 |
| Return on Equity (ROE) | -7.3533% | 6,329 |
| Retained earnings to average equity (ytd only) | -7.3533% | 6,252 |
| Net charge-offs to loans | 0.1938% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -6.3068% | 4,900 |
| Efficiency ratio | 124.8507% | 105 |
| Assets per employee ($millions) | 3.7895% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6845% | 431 |
| Loan loss allowance to noncurrent loans | 97.7807% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.3317% | 1,013 |
| Noncurrent loans to loans | 2.7454% | 880 |
| Net loans and leases to total assets | 66.0076% | 2,881 |
| Net loans and leases to deposits | 91.3300% | 1,359 |
| Net loans and leases to core deposits | 139.5793% | 171 |
| Total domestic deposits to total assets | 72.2737% | 6,065 |
| Equity capital to assets | 10.0143% | 4,096 |
| Core capital (leverage) ratio | 9.4934% | 4,249 |
| Tier 1 risk-based capital ratio | 16.1631% | 2,881 |
| Total risk-based capital ratio | 17.4147% | 2,827 |
| Memoranda: | ||
| Average total assets | $199,034,600 | 3,013 |
| Average earning assets | $192,422,200 | 2,882 |
| Average equity | $20,671,000 | 3,085 |
| Average total loans | $136,244,200 | 2,756 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,648 |
| Cost of funding earning assets | 1.0694% | 173 |
| Net interest margin | 3.2277% | 4,869 |
| Noninterest income to average assets | 0.3310% | 4,791 |
| Noninterest expense to average assets | 4.1735% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.7238% | 6,425 |
| Return on assets (ROA) | -0.7238% | 6,421 |
| Pretax return on assets | -0.7238% | 6,405 |
| Return on Equity (ROE) | -6.9066% | 6,406 |
| Retained earnings to average equity (ytd only) | -6.9066% | 6,320 |
| Net charge-offs to loans | 0.2554% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -4.1303% | 4,600 |
| Efficiency ratio | 120.9809% | 124 |
| Assets per employee ($millions) | 3.9915% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6194% | 552 |
| Loan loss allowance to noncurrent loans | 106.0255% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 2.3355% | 1,164 |
| Noncurrent loans to loans | 2.4705% | 1,194 |
| Net loans and leases to total assets | 68.1794% | 2,502 |
| Net loans and leases to deposits | 94.8461% | 970 |
| Net loans and leases to core deposits | 146.2196% | 120 |
| Total domestic deposits to total assets | 71.8843% | 6,177 |
| Equity capital to assets | 10.2322% | 3,886 |
| Core capital (leverage) ratio | 9.7702% | 3,972 |
| Tier 1 risk-based capital ratio | 16.6811% | 2,732 |
| Total risk-based capital ratio | 17.9332% | 2,693 |
| Memoranda: | ||
| Average total assets | $198,582,750 | 3,036 |
| Average earning assets | $191,874,250 | 2,914 |
| Average equity | $20,810,500 | 3,080 |
| Average total loans | $136,248,250 | 2,771 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,062 |
| Cost of funding earning assets | 1.0506% | 194 |
| Net interest margin | 3.3796% | 4,263 |
| Noninterest income to average assets | 0.3309% | 4,772 |
| Noninterest expense to average assets | 4.2612% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6658% | 6,479 |
| Return on assets (ROA) | -0.6658% | 6,479 |
| Pretax return on assets | -0.6658% | 6,464 |
| Return on Equity (ROE) | -6.3036% | 6,464 |
| Retained earnings to average equity (ytd only) | -6.3036% | 6,309 |
| Net charge-offs to loans | 0.3257% | 1,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 4,266 |
| Efficiency ratio | 118.5185% | 154 |
| Assets per employee ($millions) | 3.9592% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7110% | 529 |
| Loan loss allowance to noncurrent loans | 101.9840% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 2.3247% | 1,270 |
| Noncurrent loans to loans | 2.6583% | 1,143 |
| Net loans and leases to total assets | 65.7775% | 2,786 |
| Net loans and leases to deposits | 91.5890% | 1,202 |
| Net loans and leases to core deposits | 142.5431% | 128 |
| Total domestic deposits to total assets | 71.8181% | 6,262 |
| Equity capital to assets | 10.3102% | 3,676 |
| Core capital (leverage) ratio | 9.8633% | 3,792 |
| Tier 1 risk-based capital ratio | 17.3660% | 2,473 |
| Total risk-based capital ratio | 18.6191% | 2,432 |
| Memoranda: | ||
| Average total assets | $198,252,000 | 3,056 |
| Average earning assets | $191,503,000 | 2,927 |
| Average equity | $20,940,330 | 3,063 |
| Average total loans | $135,088,000 | 2,796 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 1,763 |
| Cost of funding earning assets | 1.0740% | 185 |
| Net interest margin | 3.4413% | 3,934 |
| Noninterest income to average assets | 0.2525% | 5,347 |
| Noninterest expense to average assets | 4.2806% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7067% | 6,523 |
| Return on assets (ROA) | -0.7067% | 6,523 |
| Pretax return on assets | -0.7067% | 6,509 |
| Return on Equity (ROE) | -6.6091% | 6,504 |
| Retained earnings to average equity (ytd only) | -6.6091% | 6,213 |
| Net charge-offs to loans | 0.6311% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.6368% | 3,527 |
| Efficiency ratio | 119.7721% | 175 |
| Assets per employee ($millions) | 3.5964% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7296% | 599 |
| Loan loss allowance to noncurrent loans | 131.9929% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 2.0483% | 1,653 |
| Noncurrent loans to loans | 2.0680% | 1,791 |
| Net loans and leases to total assets | 68.0559% | 2,214 |
| Net loans and leases to deposits | 96.0608% | 653 |
| Net loans and leases to core deposits | 125.8522% | 231 |
| Total domestic deposits to total assets | 70.8467% | 6,407 |
| Equity capital to assets | 10.7735% | 2,956 |
| Core capital (leverage) ratio | 10.4077% | 3,037 |
| Tier 1 risk-based capital ratio | 17.4794% | 2,479 |
| Total risk-based capital ratio | 18.7315% | 2,453 |
| Memoranda: | ||
| Average total assets | $196,419,500 | 3,097 |
| Average earning assets | $189,578,500 | 2,976 |
| Average equity | $21,001,500 | 3,054 |
| Average total loans | $134,373,500 | 2,823 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,344 |
| Cost of funding earning assets | 1.1194% | 251 |
| Net interest margin | 2.8128% | 5,955 |
| Noninterest income to average assets | 0.8723% | 1,778 |
| Noninterest expense to average assets | 5.1758% | 308 |
| Loan and lease loss provision to assets | -0.1338% | 6,525 |
| Net operating income to assets | -1.4892% | 6,675 |
| Return on assets (ROA) | -1.4892% | 6,672 |
| Pretax return on assets | -1.4892% | 6,663 |
| Return on Equity (ROE) | -19.4983% | 6,682 |
| Retained earnings to average equity (ytd only) | -19.4983% | 6,664 |
| Net charge-offs to loans | -0.3697% | 6,698 |
| Credit loss provision to net charge-offs | 56.3895% | 3,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.6798% | 71 |
| Assets per employee ($millions) | 2.7588% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9510% | 500 |
| Loan loss allowance to noncurrent loans | 58.5748% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 4.1479% | 628 |
| Noncurrent loans to loans | 5.0381% | 493 |
| Net loans and leases to total assets | 64.9179% | 2,884 |
| Net loans and leases to deposits | 91.1802% | 1,142 |
| Net loans and leases to core deposits | 118.1732% | 369 |
| Total domestic deposits to total assets | 71.1973% | 6,465 |
| Equity capital to assets | 10.6126% | 3,031 |
| Core capital (leverage) ratio | 10.3405% | 3,104 |
| Tier 1 risk-based capital ratio | 18.5028% | 2,080 |
| Total risk-based capital ratio | 19.7587% | 2,050 |
| Memoranda: | ||
| Average total assets | $207,834,200 | 2,937 |
| Average earning assets | $198,056,000 | 2,850 |
| Average equity | $15,873,200 | 3,724 |
| Average total loans | $133,357,400 | 2,802 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 2,072 |
| Cost of funding earning assets | 1.0966% | 317 |
| Net interest margin | 3.4442% | 4,108 |
| Noninterest income to average assets | 0.7003% | 2,609 |
| Noninterest expense to average assets | 5.9023% | 212 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.9852% | 6,803 |
| Return on assets (ROA) | -1.9852% | 6,806 |
| Pretax return on assets | -1.9833% | 6,801 |
| Return on Equity (ROE) | -103.1531% | 6,885 |
| Retained earnings to average equity (ytd only) | -103.1531% | 6,885 |
| Net charge-offs to loans | 0.6140% | 1,013 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -3.9286% | 5,122 |
| Efficiency ratio | 150.6053% | 72 |
| Assets per employee ($millions) | 2.7863% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5470% | 890 |
| Loan loss allowance to noncurrent loans | 21.9483% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 10.8120% | 118 |
| Noncurrent loans to loans | 11.6044% | 93 |
| Net loans and leases to total assets | 77.6160% | 795 |
| Net loans and leases to deposits | 94.7195% | 774 |
| Net loans and leases to core deposits | 94.7195% | 1,501 |
| Total domestic deposits to total assets | 81.9430% | 4,951 |
| Equity capital to assets | 1.7820% | 6,879 |
| Core capital (leverage) ratio | 1.7383% | 6,888 |
| Tier 1 risk-based capital ratio | 2.7694% | 6,886 |
| Total risk-based capital ratio | 4.0423% | 6,886 |
| Memoranda: | ||
| Average total assets | $70,253,000 | 5,520 |
| Average earning assets | $65,654,500 | 5,469 |
| Average equity | $1,352,000 | 6,853 |
| Average total loans | $57,765,000 | 4,742 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 2,506 |
| Cost of funding earning assets | 1.0536% | 424 |
| Net interest margin | 3.3617% | 4,338 |
| Noninterest income to average assets | 0.8768% | 1,905 |
| Noninterest expense to average assets | 5.7946% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.7259% | 6,829 |
| Return on assets (ROA) | -1.7259% | 6,831 |
| Pretax return on assets | -1.7232% | 6,822 |
| Return on Equity (ROE) | -87.7637% | 6,926 |
| Retained earnings to average equity (ytd only) | -87.7637% | 6,923 |
| Net charge-offs to loans | 1.1032% | 542 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.8822% | 4,762 |
| Efficiency ratio | 142.3234% | 90 |
| Assets per employee ($millions) | 3.0119% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1410% | 1,543 |
| Loan loss allowance to noncurrent loans | 20.3225% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 10.6723% | 135 |
| Noncurrent loans to loans | 10.5352% | 139 |
| Net loans and leases to total assets | 81.4863% | 391 |
| Net loans and leases to deposits | 98.6594% | 504 |
| Net loans and leases to core deposits | 99.5292% | 1,115 |
| Total domestic deposits to total assets | 82.5935% | 4,859 |
| Equity capital to assets | 2.2938% | 6,925 |
| Core capital (leverage) ratio | 2.2188% | 6,929 |
| Tier 1 risk-based capital ratio | 3.9043% | 6,912 |
| Total risk-based capital ratio | 5.1617% | 6,912 |
| Memoranda: | ||
| Average total assets | $72,308,670 | 5,502 |
| Average earning assets | $68,714,330 | 5,430 |
| Average equity | $1,422,000 | 6,893 |
| Average total loans | $60,006,330 | 4,673 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 4,549 |
| Cost of funding earning assets | 1.0597% | 452 |
| Net interest margin | 2.8203% | 5,992 |
| Noninterest income to average assets | 0.7531% | 2,325 |
| Noninterest expense to average assets | 6.0574% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.6278% | 6,948 |
| Return on assets (ROA) | -2.6278% | 6,949 |
| Pretax return on assets | -2.6224% | 6,944 |
| Return on Equity (ROE) | -144.9384% | 7,009 |
| Retained earnings to average equity (ytd only) | -144.9384% | 7,008 |
| Net charge-offs to loans | -0.0916% | 6,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.3407% | 55 |
| Assets per employee ($millions) | 2.1962% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6147% | 996 |
| Loan loss allowance to noncurrent loans | 16.4498% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 15.1367% | 71 |
| Noncurrent loans to loans | 15.8949% | 60 |
| Net loans and leases to total assets | 81.1999% | 334 |
| Net loans and leases to deposits | 97.5662% | 467 |
| Net loans and leases to core deposits | 98.7963% | 1,025 |
| Total domestic deposits to total assets | 83.2255% | 4,784 |
| Equity capital to assets | 2.4023% | 6,995 |
| Core capital (leverage) ratio | 2.3098% | 6,994 |
| Tier 1 risk-based capital ratio | 4.1625% | 6,977 |
| Total risk-based capital ratio | 5.4406% | 6,977 |
| Memoranda: | ||
| Average total assets | $73,826,500 | 5,519 |
| Average earning assets | $70,206,500 | 5,430 |
| Average equity | $1,338,500 | 6,970 |
| Average total loans | $61,168,000 | 4,663 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 3,249 |
| Cost of funding earning assets | 1.2531% | 456 |
| Net interest margin | 3.2845% | 5,305 |
| Noninterest income to average assets | 0.6674% | 2,894 |
| Noninterest expense to average assets | 7.1779% | 139 |
| Loan and lease loss provision to assets | 0.4040% | 1,605 |
| Net operating income to assets | -3.8183% | 7,040 |
| Return on assets (ROA) | -3.7504% | 7,040 |
| Pretax return on assets | -3.7480% | 7,042 |
| Return on Equity (ROE) | -106.4758% | 7,074 |
| Retained earnings to average equity (ytd only) | -106.4758% | 7,073 |
| Net charge-offs to loans | 1.1162% | 939 |
| Credit loss provision to net charge-offs | 43.3504% | 4,854 |
| Earnings coverage of net charge-offs (x) | -3.6611% | 5,887 |
| Efficiency ratio | 190.6013% | 47 |
| Assets per employee ($millions) | 2.2782% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5296% | 1,098 |
| Loan loss allowance to noncurrent loans | 18.1145% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 13.3147% | 105 |
| Noncurrent loans to loans | 13.9643% | 102 |
| Net loans and leases to total assets | 80.2634% | 448 |
| Net loans and leases to deposits | 95.1271% | 670 |
| Net loans and leases to core deposits | 96.2669% | 1,279 |
| Total domestic deposits to total assets | 84.3748% | 4,143 |
| Equity capital to assets | 1.2450% | 7,076 |
| Core capital (leverage) ratio | 1.1426% | 7,076 |
| Tier 1 risk-based capital ratio | 2.0736% | 7,075 |
| Total risk-based capital ratio | 3.3602% | 7,075 |
| Memoranda: | ||
| Average total assets | $83,910,800 | 5,250 |
| Average earning assets | $79,160,600 | 5,154 |
| Average equity | $2,955,600 | 6,795 |
| Average total loans | $70,058,200 | 4,360 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 1,518 |
| Cost of funding earning assets | 1.2922% | 451 |
| Net interest margin | 3.7713% | 3,462 |
| Noninterest income to average assets | 0.3562% | 4,974 |
| Noninterest expense to average assets | 5.2562% | 310 |
| Loan and lease loss provision to assets | 0.5250% | 1,144 |
| Net operating income to assets | -1.8723% | 7,026 |
| Return on assets (ROA) | -1.7841% | 7,024 |
| Pretax return on assets | -1.7841% | 6,999 |
| Return on Equity (ROE) | -44.3855% | 7,110 |
| Retained earnings to average equity (ytd only) | -44.3855% | 7,103 |
| Net charge-offs to loans | 1.4166% | 631 |
| Credit loss provision to net charge-offs | 44.2559% | 4,526 |
| Earnings coverage of net charge-offs (x) | -1.1358% | 5,586 |
| Efficiency ratio | 134.4691% | 133 |
| Assets per employee ($millions) | 2.6112% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3580% | 1,421 |
| Loan loss allowance to noncurrent loans | 18.4296% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 12.4398% | 150 |
| Noncurrent loans to loans | 12.7946% | 146 |
| Net loans and leases to total assets | 83.6246% | 244 |
| Net loans and leases to deposits | 101.4668% | 382 |
| Net loans and leases to core deposits | 103.0648% | 929 |
| Total domestic deposits to total assets | 82.4157% | 4,865 |
| Equity capital to assets | 3.7517% | 7,110 |
| Core capital (leverage) ratio | 3.6432% | 7,109 |
| Tier 1 risk-based capital ratio | 6.2418% | 7,082 |
| Total risk-based capital ratio | 7.5234% | 7,081 |
| Memoranda: | ||
| Average total assets | $86,093,500 | 5,237 |
| Average earning assets | $81,102,500 | 5,140 |
| Average equity | $3,460,500 | 6,778 |
| Average total loans | $72,095,750 | 4,320 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2395% | 1,163 |
| Cost of funding earning assets | 1.3135% | 494 |
| Net interest margin | 3.9261% | 2,808 |
| Noninterest income to average assets | 0.3451% | 5,076 |
| Noninterest expense to average assets | 5.1557% | 338 |
| Loan and lease loss provision to assets | 0.7646% | 676 |
| Net operating income to assets | -1.8742% | 7,058 |
| Return on assets (ROA) | -1.7456% | 7,061 |
| Pretax return on assets | -1.7456% | 7,040 |
| Return on Equity (ROE) | -42.5938% | 7,153 |
| Retained earnings to average equity (ytd only) | -42.5938% | 7,147 |
| Net charge-offs to loans | 1.4750% | 679 |
| Credit loss provision to net charge-offs | 62.3162% | 3,742 |
| Earnings coverage of net charge-offs (x) | -0.9044% | 5,295 |
| Efficiency ratio | 127.4247% | 179 |
| Assets per employee ($millions) | 2.7567% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5490% | 1,216 |
| Loan loss allowance to noncurrent loans | 20.3750% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 12.1100% | 176 |
| Noncurrent loans to loans | 12.5104% | 157 |
| Net loans and leases to total assets | 83.3966% | 241 |
| Net loans and leases to deposits | 99.9739% | 417 |
| Net loans and leases to core deposits | 101.8098% | 990 |
| Total domestic deposits to total assets | 83.4184% | 4,569 |
| Equity capital to assets | 3.9879% | 7,143 |
| Core capital (leverage) ratio | 3.9093% | 7,139 |
| Tier 1 risk-based capital ratio | 6.6413% | 7,111 |
| Total risk-based capital ratio | 7.9088% | 7,109 |
| Memoranda: | ||
| Average total assets | $88,679,000 | 5,208 |
| Average earning assets | $83,595,330 | 5,114 |
| Average equity | $3,634,330 | 6,770 |
| Average total loans | $73,764,000 | 4,288 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 3,164 |
| Cost of funding earning assets | 1.2557% | 760 |
| Net interest margin | 3.4149% | 5,057 |
| Noninterest income to average assets | 0.2138% | 6,092 |
| Noninterest expense to average assets | 4.9483% | 379 |
| Loan and lease loss provision to assets | 0.9513% | 446 |
| Net operating income to assets | -2.4785% | 7,189 |
| Return on assets (ROA) | -2.4785% | 7,192 |
| Pretax return on assets | -2.4698% | 7,174 |
| Return on Equity (ROE) | -59.7502% | 7,242 |
| Retained earnings to average equity (ytd only) | -59.7502% | 7,232 |
| Net charge-offs to loans | 3.0348% | 239 |
| Credit loss provision to net charge-offs | 38.1786% | 3,476 |
| Earnings coverage of net charge-offs (x) | -0.6095% | 4,519 |
| Efficiency ratio | 144.2748% | 120 |
| Assets per employee ($millions) | 2.9670% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2542% | 1,768 |
| Loan loss allowance to noncurrent loans | 20.2966% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 10.4707% | 269 |
| Noncurrent loans to loans | 11.1061% | 244 |
| Net loans and leases to total assets | 80.6741% | 352 |
| Net loans and leases to deposits | 95.6000% | 565 |
| Net loans and leases to core deposits | 97.5414% | 1,161 |
| Total domestic deposits to total assets | 84.3871% | 4,329 |
| Equity capital to assets | 3.9703% | 7,189 |
| Core capital (leverage) ratio | 3.8625% | 7,190 |
| Tier 1 risk-based capital ratio | 7.0105% | 7,130 |
| Total risk-based capital ratio | 8.3053% | 7,129 |
| Memoranda: | ||
| Average total assets | $91,668,500 | 5,158 |
| Average earning assets | $86,328,000 | 5,071 |
| Average equity | $3,802,500 | 6,776 |
| Average total loans | $75,259,500 | 4,264 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 3,421 |
| Cost of funding earning assets | 1.6602% | 377 |
| Net interest margin | 3.2280% | 6,015 |
| Noninterest income to average assets | 0.4127% | 4,511 |
| Noninterest expense to average assets | 4.7152% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.2641% | 6,840 |
| Return on assets (ROA) | -1.2641% | 6,862 |
| Pretax return on assets | -1.2641% | 6,832 |
| Return on Equity (ROE) | -27.8369% | 7,075 |
| Retained earnings to average equity (ytd only) | -27.8369% | 7,067 |
| Net charge-offs to loans | 0.1616% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -9.6889% | 6,395 |
| Efficiency ratio | 136.6284% | 199 |
| Assets per employee ($millions) | 3.1442% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6072% | 1,186 |
| Loan loss allowance to noncurrent loans | 22.9968% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 10.2049% | 322 |
| Noncurrent loans to loans | 11.3374% | 252 |
| Net loans and leases to total assets | 79.5594% | 540 |
| Net loans and leases to deposits | 95.8724% | 680 |
| Net loans and leases to core deposits | 98.0737% | 1,324 |
| Total domestic deposits to total assets | 82.9847% | 4,753 |
| Equity capital to assets | 4.3158% | 7,203 |
| Core capital (leverage) ratio | 4.2021% | 7,196 |
| Tier 1 risk-based capital ratio | 7.3345% | 7,140 |
| Total risk-based capital ratio | 8.6146% | 7,140 |
| Memoranda: | ||
| Average total assets | $103,474,600 | 4,804 |
| Average earning assets | $97,398,600 | 4,701 |
| Average equity | $4,698,800 | 6,531 |
| Average total loans | $83,561,400 | 4,034 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 3,406 |
| Cost of funding earning assets | 1.6479% | 482 |
| Net interest margin | 3.2865% | 5,897 |
| Noninterest income to average assets | 0.4274% | 4,457 |
| Noninterest expense to average assets | 4.6153% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.0905% | 6,919 |
| Return on assets (ROA) | -1.0905% | 6,945 |
| Pretax return on assets | -1.0905% | 6,905 |
| Return on Equity (ROE) | -23.7512% | 7,152 |
| Retained earnings to average equity (ytd only) | -23.7512% | 7,141 |
| Net charge-offs to loans | 0.2222% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -6.0915% | 6,113 |
| Efficiency ratio | 130.9371% | 222 |
| Assets per employee ($millions) | 3.0548% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5252% | 1,361 |
| Loan loss allowance to noncurrent loans | 20.7784% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 10.5993% | 322 |
| Noncurrent loans to loans | 12.1531% | 231 |
| Net loans and leases to total assets | 76.6578% | 884 |
| Net loans and leases to deposits | 91.1577% | 1,092 |
| Net loans and leases to core deposits | 92.8075% | 1,905 |
| Total domestic deposits to total assets | 84.0937% | 4,184 |
| Equity capital to assets | 4.5085% | 7,293 |
| Core capital (leverage) ratio | 4.3729% | 7,281 |
| Tier 1 risk-based capital ratio | 7.9463% | 7,198 |
| Total risk-based capital ratio | 9.2261% | 7,198 |
| Memoranda: | ||
| Average total assets | $105,761,500 | 4,769 |
| Average earning assets | $99,678,750 | 4,679 |
| Average equity | $4,855,750 | 6,545 |
| Average total loans | $85,188,000 | 4,027 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 2,898 |
| Cost of funding earning assets | 1.6344% | 609 |
| Net interest margin | 3.4209% | 5,476 |
| Noninterest income to average assets | 0.4953% | 3,905 |
| Noninterest expense to average assets | 4.4911% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.7690% | 6,852 |
| Return on assets (ROA) | -0.7690% | 6,864 |
| Pretax return on assets | -0.7690% | 6,806 |
| Return on Equity (ROE) | -16.6555% | 7,101 |
| Retained earnings to average equity (ytd only) | -16.6555% | 7,080 |
| Net charge-offs to loans | 0.3281% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -2.8881% | 5,747 |
| Efficiency ratio | 120.6603% | 340 |
| Assets per employee ($millions) | 3.1549% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4366% | 1,537 |
| Loan loss allowance to noncurrent loans | 21.6529% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 10.1073% | 385 |
| Noncurrent loans to loans | 11.2529% | 301 |
| Net loans and leases to total assets | 78.4955% | 709 |
| Net loans and leases to deposits | 92.5212% | 997 |
| Net loans and leases to core deposits | 93.2550% | 1,992 |
| Total domestic deposits to total assets | 84.8405% | 3,948 |
| Equity capital to assets | 4.6526% | 7,343 |
| Core capital (leverage) ratio | 4.6618% | 7,327 |
| Tier 1 risk-based capital ratio | 8.3701% | 7,225 |
| Total risk-based capital ratio | 9.6479% | 7,223 |
| Memoranda: | ||
| Average total assets | $107,412,330 | 4,771 |
| Average earning assets | $101,319,000 | 4,669 |
| Average equity | $4,959,330 | 6,548 |
| Average total loans | $87,157,330 | 4,012 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 3,595 |
| Cost of funding earning assets | 1.7059% | 536 |
| Net interest margin | 3.1942% | 6,087 |
| Noninterest income to average assets | 0.3044% | 5,491 |
| Noninterest expense to average assets | 4.5222% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.2030% | 7,101 |
| Return on assets (ROA) | -1.2030% | 7,101 |
| Pretax return on assets | -1.2030% | 7,061 |
| Return on Equity (ROE) | -26.1511% | 7,292 |
| Retained earnings to average equity (ytd only) | -26.1511% | 7,256 |
| Net charge-offs to loans | 0.7338% | 1,751 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -2.0123% | 4,961 |
| Efficiency ratio | 136.2431% | 225 |
| Assets per employee ($millions) | 3.0621% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3109% | 1,744 |
| Loan loss allowance to noncurrent loans | 22.1552% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 9.5351% | 441 |
| Noncurrent loans to loans | 10.4305% | 369 |
| Net loans and leases to total assets | 79.7167% | 536 |
| Net loans and leases to deposits | 93.0198% | 915 |
| Net loans and leases to core deposits | 95.0323% | 1,766 |
| Total domestic deposits to total assets | 85.6987% | 3,690 |
| Equity capital to assets | 4.5114% | 7,408 |
| Core capital (leverage) ratio | 4.6040% | 7,387 |
| Tier 1 risk-based capital ratio | 8.1684% | 7,284 |
| Total risk-based capital ratio | 9.4435% | 7,284 |
| Memoranda: | ||
| Average total assets | $109,062,000 | 4,763 |
| Average earning assets | $102,938,000 | 4,661 |
| Average equity | $5,017,000 | 6,550 |
| Average total loans | $88,853,500 | 4,002 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 3,522 |
| Cost of funding earning assets | 1.8234% | 1,084 |
| Net interest margin | 3.3944% | 5,655 |
| Noninterest income to average assets | 1.4912% | 655 |
| Noninterest expense to average assets | 4.2862% | 824 |
| Loan and lease loss provision to assets | 0.4557% | 3,389 |
| Net operating income to assets | -0.0555% | 5,938 |
| Return on assets (ROA) | 0.1133% | 5,696 |
| Pretax return on assets | 0.1133% | 5,676 |
| Return on Equity (ROE) | 2.8926% | 4,997 |
| Retained earnings to average equity (ytd only) | 2.8926% | 3,831 |
| Net charge-offs to loans | 0.5907% | 3,260 |
| Credit loss provision to net charge-offs | 99.1497% | 4,665 |
| Earnings coverage of net charge-offs (x) | 0.8707% | 5,257 |
| Efficiency ratio | 91.4610% | 1,220 |
| Assets per employee ($millions) | 2.9987% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4199% | 1,525 |
| Loan loss allowance to noncurrent loans | 25.2778% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 8.7759% | 524 |
| Noncurrent loans to loans | 9.5732% | 455 |
| Net loans and leases to total assets | 79.3749% | 747 |
| Net loans and leases to deposits | 92.6954% | 1,172 |
| Net loans and leases to core deposits | 94.6327% | 2,181 |
| Total domestic deposits to total assets | 85.6298% | 3,532 |
| Equity capital to assets | 4.6858% | 7,460 |
| Core capital (leverage) ratio | 4.7442% | 7,438 |
| Tier 1 risk-based capital ratio | 8.4049% | 7,312 |
| Total risk-based capital ratio | 9.6831% | 7,318 |
| Memoranda: | ||
| Average total assets | $127,946,400 | 4,317 |
| Average earning assets | $120,433,600 | 4,218 |
| Average equity | $5,012,800 | 6,661 |
| Average total loans | $99,540,000 | 3,807 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2850% | 3,429 |
| Cost of funding earning assets | 1.8363% | 1,278 |
| Net interest margin | 3.4487% | 5,499 |
| Noninterest income to average assets | 0.4216% | 4,790 |
| Noninterest expense to average assets | 4.2582% | 770 |
| Loan and lease loss provision to assets | 0.4367% | 3,289 |
| Net operating income to assets | -1.0267% | 6,918 |
| Return on assets (ROA) | -0.8089% | 6,832 |
| Pretax return on assets | -0.8089% | 6,741 |
| Return on Equity (ROE) | -21.5315% | 7,253 |
| Retained earnings to average equity (ytd only) | -21.5315% | 7,239 |
| Net charge-offs to loans | 0.7526% | 2,544 |
| Credit loss provision to net charge-offs | 75.3043% | 5,271 |
| Earnings coverage of net charge-offs (x) | -1.0174% | 6,447 |
| Efficiency ratio | 116.0847% | 431 |
| Assets per employee ($millions) | 3.2946% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1099% | 1,980 |
| Loan loss allowance to noncurrent loans | 21.1839% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 10.6564% | 349 |
| Noncurrent loans to loans | 9.9599% | 427 |
| Net loans and leases to total assets | 82.3616% | 454 |
| Net loans and leases to deposits | 94.4976% | 1,149 |
| Net loans and leases to core deposits | 96.1352% | 2,244 |
| Total domestic deposits to total assets | 87.1573% | 2,440 |
| Equity capital to assets | 3.7776% | 7,654 |
| Core capital (leverage) ratio | 3.7484% | 7,638 |
| Tier 1 risk-based capital ratio | 6.3216% | 7,590 |
| Total risk-based capital ratio | 7.5929% | 7,592 |
| Memoranda: | ||
| Average total assets | $132,195,000 | 4,272 |
| Average earning assets | $124,449,500 | 4,197 |
| Average equity | $4,966,250 | 6,761 |
| Average total loans | $101,862,000 | 3,806 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 3,450 |
| Cost of funding earning assets | 1.8115% | 1,599 |
| Net interest margin | 3.4936% | 5,273 |
| Noninterest income to average assets | 0.3163% | 5,625 |
| Noninterest expense to average assets | 3.9906% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.3831% | 6,549 |
| Return on assets (ROA) | -0.1988% | 6,405 |
| Pretax return on assets | -0.1988% | 6,335 |
| Return on Equity (ROE) | -5.3001% | 6,723 |
| Retained earnings to average equity (ytd only) | -5.3001% | 6,590 |
| Net charge-offs to loans | 0.2416% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -2.1120% | 6,213 |
| Efficiency ratio | 110.6195% | 538 |
| Assets per employee ($millions) | 5.1223% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2826% | 1,618 |
| Loan loss allowance to noncurrent loans | 24.8973% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 9.3837% | 458 |
| Noncurrent loans to loans | 9.1680% | 515 |
| Net loans and leases to total assets | 80.1628% | 769 |
| Net loans and leases to deposits | 91.8469% | 1,557 |
| Net loans and leases to core deposits | 94.6967% | 2,620 |
| Total domestic deposits to total assets | 87.2787% | 2,388 |
| Equity capital to assets | 4.1648% | 7,683 |
| Core capital (leverage) ratio | 4.0602% | 7,677 |
| Tier 1 risk-based capital ratio | 7.1036% | 7,592 |
| Total risk-based capital ratio | 8.3787% | 7,596 |
| Memoranda: | ||
| Average total assets | $137,823,000 | 4,177 |
| Average earning assets | $129,839,000 | 4,089 |
| Average equity | $5,169,670 | 6,718 |
| Average total loans | $103,476,330 | 3,786 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5200% | 2,496 |
| Cost of funding earning assets | 1.7944% | 1,900 |
| Net interest margin | 3.7256% | 4,122 |
| Noninterest income to average assets | 0.0496% | 7,464 |
| Noninterest expense to average assets | 3.6457% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0743% | 6,404 |
| Return on assets (ROA) | -0.1239% | 6,536 |
| Pretax return on assets | -0.1239% | 6,488 |
| Return on Equity (ROE) | -3.4652% | 6,775 |
| Retained earnings to average equity (ytd only) | -3.4652% | 6,423 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0817% | 783 |
| Assets per employee ($millions) | 5.1415% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3374% | 1,522 |
| Loan loss allowance to noncurrent loans | 31.0367% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 7.5659% | 667 |
| Noncurrent loans to loans | 7.5312% | 756 |
| Net loans and leases to total assets | 75.8885% | 1,566 |
| Net loans and leases to deposits | 86.0267% | 2,581 |
| Net loans and leases to core deposits | 96.4866% | 2,529 |
| Total domestic deposits to total assets | 88.2151% | 1,938 |
| Equity capital to assets | 3.9864% | 7,795 |
| Core capital (leverage) ratio | 3.8217% | 7,791 |
| Tier 1 risk-based capital ratio | 7.1819% | 7,682 |
| Total risk-based capital ratio | 8.4577% | 7,683 |
| Memoranda: | ||
| Average total assets | $145,266,500 | 4,108 |
| Average earning assets | $137,319,500 | 4,009 |
| Average equity | $5,194,500 | 6,784 |
| Average total loans | $104,789,000 | 3,802 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 5,958 |
| Cost of funding earning assets | 2.3124% | 1,607 |
| Net interest margin | 2.8178% | 7,032 |
| Noninterest income to average assets | 0.3437% | 5,635 |
| Noninterest expense to average assets | 4.1558% | 1,152 |
| Loan and lease loss provision to assets | 1.5911% | 1,440 |
| Net operating income to assets | -2.7257% | 7,325 |
| Return on assets (ROA) | -2.4407% | 7,253 |
| Pretax return on assets | -2.4407% | 7,129 |
| Return on Equity (ROE) | -52.9049% | 7,707 |
| Retained earnings to average equity (ytd only) | -52.9049% | 7,701 |
| Net charge-offs to loans | 1.4764% | 1,695 |
| Credit loss provision to net charge-offs | 149.1200% | 3,122 |
| Earnings coverage of net charge-offs (x) | -1.0635% | 6,889 |
| Efficiency ratio | 137.5589% | 402 |
| Assets per employee ($millions) | 5.2285% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2979% | 1,487 |
| Loan loss allowance to noncurrent loans | 25.4746% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 7.5389% | 638 |
| Noncurrent loans to loans | 9.0206% | 503 |
| Net loans and leases to total assets | 65.8408% | 4,193 |
| Net loans and leases to deposits | 73.1692% | 5,170 |
| Net loans and leases to core deposits | 126.1917% | 1,498 |
| Total domestic deposits to total assets | 89.9843% | 970 |
| Equity capital to assets | 3.2259% | 7,907 |
| Core capital (leverage) ratio | 3.2648% | 7,895 |
| Tier 1 risk-based capital ratio | 6.3066% | 7,802 |
| Total risk-based capital ratio | 7.5586% | 7,805 |
| Memoranda: | ||
| Average total assets | $175,731,800 | 3,513 |
| Average earning assets | $166,972,200 | 3,397 |
| Average equity | $8,107,000 | 5,889 |
| Average total loans | $126,996,800 | 3,330 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 6,358 |
| Cost of funding earning assets | 2.4456% | 1,464 |
| Net interest margin | 2.6299% | 7,318 |
| Noninterest income to average assets | 1.4474% | 708 |
| Noninterest expense to average assets | 3.4557% | 2,402 |
| Loan and lease loss provision to assets | 0.1670% | 5,687 |
| Net operating income to assets | 0.3236% | 4,704 |
| Return on assets (ROA) | 0.6472% | 3,481 |
| Pretax return on assets | 0.6472% | 4,028 |
| Return on Equity (ROE) | 13.1695% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.1695% | 248 |
| Net charge-offs to loans | 0.3980% | 3,674 |
| Credit loss provision to net charge-offs | 57.2152% | 6,212 |
| Earnings coverage of net charge-offs (x) | 1.6810% | 4,536 |
| Efficiency ratio | 87.5679% | 1,913 |
| Assets per employee ($millions) | 5.4022% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,438 |
| Loan loss allowance to noncurrent loans | 15.2480% | 7,321 |
| Noncurrent assets plus other real estate owned to assets | 7.2467% | 640 |
| Noncurrent loans to loans | 7.5110% | 687 |
| Net loans and leases to total assets | 65.9209% | 4,453 |
| Net loans and leases to deposits | 75.5585% | 5,119 |
| Net loans and leases to core deposits | 121.5291% | 2,113 |
| Total domestic deposits to total assets | 87.2448% | 2,054 |
| Equity capital to assets | 5.9665% | 7,864 |
| Core capital (leverage) ratio | 6.1055% | 7,783 |
| Tier 1 risk-based capital ratio | 10.5611% | 6,404 |
| Total risk-based capital ratio | 11.8111% | 6,366 |
| Memoranda: | ||
| Average total assets | $180,451,250 | 3,461 |
| Average earning assets | $171,459,000 | 3,355 |
| Average equity | $8,868,750 | 5,695 |
| Average total loans | $132,320,250 | 3,256 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 5,848 |
| Cost of funding earning assets | 2.5864% | 1,325 |
| Net interest margin | 2.6671% | 7,273 |
| Noninterest income to average assets | 1.2707% | 942 |
| Noninterest expense to average assets | 3.2753% | 3,065 |
| Loan and lease loss provision to assets | 0.2392% | 4,677 |
| Net operating income to assets | 0.2966% | 4,915 |
| Return on assets (ROA) | 0.4795% | 4,288 |
| Pretax return on assets | 0.4795% | 4,689 |
| Return on Equity (ROE) | 10.4305% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.4305% | 646 |
| Net charge-offs to loans | -0.0187% | 7,685 |
| Credit loss provision to net charge-offs | -1,700.0000% | 7,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9415% | 2,235 |
| Assets per employee ($millions) | 6.1422% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 6,323 |
| Loan loss allowance to noncurrent loans | 30.1505% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 4.4468% | 1,267 |
| Noncurrent loans to loans | 3.2834% | 2,155 |
| Net loans and leases to total assets | 72.8389% | 2,996 |
| Net loans and leases to deposits | 81.8682% | 4,248 |
| Net loans and leases to core deposits | 130.4836% | 1,524 |
| Total domestic deposits to total assets | 88.9709% | 1,283 |
| Equity capital to assets | 4.8772% | 8,046 |
| Core capital (leverage) ratio | 5.2756% | 8,004 |
| Tier 1 risk-based capital ratio | 10.7233% | 6,166 |
| Total risk-based capital ratio | 11.9734% | 6,106 |
| Memoranda: | ||
| Average total assets | $184,778,670 | 3,412 |
| Average earning assets | $175,996,330 | 3,317 |
| Average equity | $8,494,330 | 5,843 |
| Average total loans | $139,201,670 | 3,158 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 6,352 |
| Cost of funding earning assets | 2.4998% | 1,919 |
| Net interest margin | 2.6858% | 7,235 |
| Noninterest income to average assets | 2.0947% | 337 |
| Noninterest expense to average assets | 2.6395% | 5,270 |
| Loan and lease loss provision to assets | 0.4777% | 2,565 |
| Net operating income to assets | 1.5370% | 874 |
| Return on assets (ROA) | 1.5392% | 948 |
| Pretax return on assets | 1.5392% | 1,566 |
| Return on Equity (ROE) | 34.5296% | 62 |
| Retained earnings to average equity (ytd only) | 34.5296% | 36 |
| Net charge-offs to loans | 0.1106% | 4,082 |
| Credit loss provision to net charge-offs | 566.6667% | 992 |
| Earnings coverage of net charge-offs (x) | 23.8974% | 1,258 |
| Efficiency ratio | 56.7116% | 6,866 |
| Assets per employee ($millions) | 6.2288% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 6,760 |
| Loan loss allowance to noncurrent loans | 27.0433% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 3.2848% | 1,675 |
| Noncurrent loans to loans | 3.3226% | 1,930 |
| Net loans and leases to total assets | 79.6808% | 1,445 |
| Net loans and leases to deposits | 91.6400% | 2,660 |
| Net loans and leases to core deposits | 138.3825% | 1,183 |
| Total domestic deposits to total assets | 86.9498% | 2,242 |
| Equity capital to assets | 4.5852% | 8,141 |
| Core capital (leverage) ratio | 5.3264% | 8,094 |
| Tier 1 risk-based capital ratio | 10.6808% | 6,208 |
| Total risk-based capital ratio | 11.9224% | 6,127 |
| Memoranda: | ||
| Average total assets | $185,034,500 | 3,427 |
| Average earning assets | $176,336,500 | 3,334 |
| Average equity | $8,248,000 | 5,971 |
| Average total loans | $141,022,500 | 3,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 6,448 |
| Cost of funding earning assets | 2.7846% | 2,771 |
| Net interest margin | 3.0112% | 6,882 |
| Noninterest income to average assets | 0.3241% | 6,132 |
| Noninterest expense to average assets | 4.2423% | 1,105 |
| Loan and lease loss provision to assets | 0.2936% | 4,035 |
| Net operating income to assets | -1.3096% | 7,394 |
| Return on assets (ROA) | -0.9214% | 7,124 |
| Pretax return on assets | -0.9214% | 6,955 |
| Return on Equity (ROE) | -16.0344% | 7,627 |
| Retained earnings to average equity (ytd only) | -16.0344% | 7,519 |
| Net charge-offs to loans | 0.0929% | 5,405 |
| Credit loss provision to net charge-offs | 417.6991% | 1,046 |
| Earnings coverage of net charge-offs (x) | -14.4513% | 6,924 |
| Efficiency ratio | 131.4886% | 455 |
| Assets per employee ($millions) | 5.7252% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,754 |
| Loan loss allowance to noncurrent loans | 25.6879% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 2.8733% | 1,623 |
| Noncurrent loans to loans | 3.4469% | 1,480 |
| Net loans and leases to total assets | 71.3044% | 3,729 |
| Net loans and leases to deposits | 82.1530% | 4,703 |
| Net loans and leases to core deposits | 127.4702% | 2,042 |
| Total domestic deposits to total assets | 86.7946% | 2,038 |
| Equity capital to assets | 4.3274% | 8,237 |
| Core capital (leverage) ratio | 5.0483% | 8,202 |
| Tier 1 risk-based capital ratio | 10.3100% | 6,407 |
| Total risk-based capital ratio | 11.4993% | 6,335 |
| Memoranda: | ||
| Average total assets | $160,739,800 | 3,706 |
| Average earning assets | $154,922,800 | 3,569 |
| Average equity | $9,236,400 | 5,660 |
| Average total loans | $121,699,800 | 3,425 |