Home > Delaware Place Bank > Performance and Condition Ratios
Delaware Place Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,140 |
| Cost of funding earning assets | 0.6480% | 1,935 |
| Net interest margin | 3.2272% | 4,445 |
| Noninterest income to average assets | 0.1572% | 5,039 |
| Noninterest expense to average assets | 2.7159% | 2,958 |
| Loan and lease loss provision to assets | -0.2229% | 5,478 |
| Net operating income to assets | 0.4757% | 4,805 |
| Return on assets (ROA) | 0.4757% | 4,810 |
| Pretax return on assets | 0.5463% | 4,823 |
| Return on Equity (ROE) | 4.8201% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.8201% | 3,167 |
| Net charge-offs to loans | -0.0111% | 4,349 |
| Credit loss provision to net charge-offs | 3,055.5556% | 131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3600% | 393 |
| Assets per employee ($millions) | 11.7571% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,372 |
| Loan loss allowance to noncurrent loans | 87.3874% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 2.3848% | 378 |
| Noncurrent loans to loans | 1.7263% | 921 |
| Net loans and leases to total assets | 64.1239% | 3,385 |
| Net loans and leases to deposits | 73.3288% | 3,599 |
| Net loans and leases to core deposits | 86.6767% | 2,852 |
| Total domestic deposits to total assets | 87.4471% | 1,669 |
| Equity capital to assets | 9.9870% | 3,637 |
| Core capital (leverage) ratio | 8.2977% | 5,213 |
| Tier 1 risk-based capital ratio | 10.9103% | 5,104 |
| Total risk-based capital ratio | 12.1610% | 4,990 |
| Memoranda: | ||
| Average total assets | $246,773,000 | 2,519 |
| Average earning assets | $220,375,330 | 2,584 |
| Average equity | $24,356,330 | 2,718 |
| Average total loans | $162,365,330 | 2,527 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 4,192 |
| Cost of funding earning assets | 0.6405% | 1,775 |
| Net interest margin | 3.1678% | 4,558 |
| Noninterest income to average assets | 0.1573% | 5,074 |
| Noninterest expense to average assets | 2.4336% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4804% | 4,739 |
| Return on assets (ROA) | 0.1508% | 5,282 |
| Pretax return on assets | 0.1719% | 5,281 |
| Return on Equity (ROE) | 1.5368% | 5,245 |
| Retained earnings to average equity (ytd only) | 1.5368% | 4,478 |
| Net charge-offs to loans | -0.0123% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6649% | 983 |
| Assets per employee ($millions) | 10.6467% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,083 |
| Loan loss allowance to noncurrent loans | 103.5330% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 2.3347% | 424 |
| Noncurrent loans to loans | 1.5795% | 1,099 |
| Net loans and leases to total assets | 66.2240% | 3,000 |
| Net loans and leases to deposits | 75.4984% | 3,270 |
| Net loans and leases to core deposits | 89.3851% | 2,505 |
| Total domestic deposits to total assets | 87.7158% | 1,781 |
| Equity capital to assets | 9.8781% | 3,719 |
| Core capital (leverage) ratio | 8.0960% | 5,365 |
| Tier 1 risk-based capital ratio | 10.4122% | 5,376 |
| Total risk-based capital ratio | 11.6675% | 5,303 |
| Memoranda: | ||
| Average total assets | $246,709,500 | 2,543 |
| Average earning assets | $219,837,000 | 2,615 |
| Average equity | $24,205,500 | 2,754 |
| Average total loans | $163,174,500 | 2,540 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 4,340 |
| Cost of funding earning assets | 0.5267% | 2,121 |
| Net interest margin | 3.1717% | 4,515 |
| Noninterest income to average assets | 0.0322% | 5,568 |
| Noninterest expense to average assets | 2.6761% | 3,212 |
| Loan and lease loss provision to assets | -0.1031% | 5,484 |
| Net operating income to assets | -0.0058% | 5,368 |
| Return on assets (ROA) | -0.0008% | 5,365 |
| Pretax return on assets | 0.2667% | 5,249 |
| Return on Equity (ROE) | -0.0082% | 5,365 |
| Retained earnings to average equity (ytd only) | -0.0082% | 5,021 |
| Net charge-offs to loans | 0.0546% | 2,711 |
| Credit loss provision to net charge-offs | -284.0909% | 4,858 |
| Earnings coverage of net charge-offs (x) | 4.2955% | 3,485 |
| Efficiency ratio | 94.4978% | 279 |
| Assets per employee ($millions) | 10.8163% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 999 |
| Loan loss allowance to noncurrent loans | 103.1442% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.6976% | 320 |
| Noncurrent loans to loans | 1.6152% | 1,031 |
| Net loans and leases to total assets | 63.8227% | 3,386 |
| Net loans and leases to deposits | 74.0227% | 3,522 |
| Net loans and leases to core deposits | 85.0597% | 2,980 |
| Total domestic deposits to total assets | 86.2205% | 2,342 |
| Equity capital to assets | 9.8233% | 3,893 |
| Core capital (leverage) ratio | 7.9043% | 5,477 |
| Tier 1 risk-based capital ratio | 10.3719% | 5,416 |
| Total risk-based capital ratio | 11.6281% | 5,330 |
| Memoranda: | ||
| Average total assets | $242,591,000 | 2,546 |
| Average earning assets | $214,145,000 | 2,628 |
| Average equity | $24,468,200 | 2,713 |
| Average total loans | $161,250,200 | 2,534 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 4,370 |
| Cost of funding earning assets | 0.4884% | 2,367 |
| Net interest margin | 3.1939% | 4,462 |
| Noninterest income to average assets | 0.0028% | 5,681 |
| Noninterest expense to average assets | 2.7131% | 3,017 |
| Loan and lease loss provision to assets | -0.1383% | 5,623 |
| Net operating income to assets | 0.1898% | 5,365 |
| Return on assets (ROA) | 0.1980% | 5,368 |
| Pretax return on assets | 0.2528% | 5,336 |
| Return on Equity (ROE) | 1.9502% | 5,318 |
| Retained earnings to average equity (ytd only) | 1.9502% | 4,659 |
| Net charge-offs to loans | 0.0463% | 2,519 |
| Credit loss provision to net charge-offs | -446.4286% | 4,778 |
| Earnings coverage of net charge-offs (x) | 3.3574% | 3,352 |
| Efficiency ratio | 96.3087% | 243 |
| Assets per employee ($millions) | 10.3610% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 1,073 |
| Loan loss allowance to noncurrent loans | 118.1424% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 2.5890% | 398 |
| Noncurrent loans to loans | 1.4192% | 1,315 |
| Net loans and leases to total assets | 64.1913% | 3,367 |
| Net loans and leases to deposits | 74.6422% | 3,505 |
| Net loans and leases to core deposits | 84.7474% | 3,068 |
| Total domestic deposits to total assets | 85.9987% | 2,318 |
| Equity capital to assets | 9.9745% | 3,937 |
| Core capital (leverage) ratio | 8.2471% | 5,401 |
| Tier 1 risk-based capital ratio | 10.5889% | 5,423 |
| Total risk-based capital ratio | 11.8454% | 5,352 |
| Memoranda: | ||
| Average total assets | $241,045,000 | 2,572 |
| Average earning assets | $212,396,750 | 2,663 |
| Average equity | $24,475,750 | 2,733 |
| Average total loans | $161,196,500 | 2,548 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 4,395 |
| Cost of funding earning assets | 0.4322% | 2,784 |
| Net interest margin | 3.2080% | 4,395 |
| Noninterest income to average assets | -0.0939% | 5,757 |
| Noninterest expense to average assets | 2.6322% | 3,332 |
| Loan and lease loss provision to assets | -0.2096% | 5,707 |
| Net operating income to assets | 0.2286% | 5,353 |
| Return on assets (ROA) | 0.2407% | 5,355 |
| Pretax return on assets | 0.3187% | 5,311 |
| Return on Equity (ROE) | 2.3557% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.3557% | 4,270 |
| Net charge-offs to loans | 0.0808% | 1,809 |
| Credit loss provision to net charge-offs | -384.6154% | 4,613 |
| Earnings coverage of net charge-offs (x) | 1.7077% | 3,253 |
| Efficiency ratio | 96.5846% | 245 |
| Assets per employee ($millions) | 9.2404% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 1,182 |
| Loan loss allowance to noncurrent loans | 117.7517% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 2.6021% | 399 |
| Noncurrent loans to loans | 1.3909% | 1,386 |
| Net loans and leases to total assets | 65.3074% | 3,211 |
| Net loans and leases to deposits | 77.0762% | 3,209 |
| Net loans and leases to core deposits | 86.4240% | 2,837 |
| Total domestic deposits to total assets | 84.7309% | 2,920 |
| Equity capital to assets | 9.9010% | 4,032 |
| Core capital (leverage) ratio | 8.4715% | 5,238 |
| Tier 1 risk-based capital ratio | 10.1514% | 5,590 |
| Total risk-based capital ratio | 11.4065% | 5,530 |
| Memoranda: | ||
| Average total assets | $238,505,670 | 2,604 |
| Average earning assets | $209,604,000 | 2,703 |
| Average equity | $24,366,670 | 2,744 |
| Average total loans | $160,814,670 | 2,552 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,010 |
| Cost of funding earning assets | 0.3716% | 3,293 |
| Net interest margin | 3.3578% | 3,809 |
| Noninterest income to average assets | 0.1339% | 5,446 |
| Noninterest expense to average assets | 3.0127% | 2,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0618% | 5,553 |
| Return on assets (ROA) | 0.0944% | 5,530 |
| Pretax return on assets | 0.0858% | 5,534 |
| Return on Equity (ROE) | 0.9091% | 5,510 |
| Retained earnings to average equity (ytd only) | 0.9091% | 4,690 |
| Net charge-offs to loans | -0.0076% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2643% | 260 |
| Assets per employee ($millions) | 8.5737% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 791 |
| Loan loss allowance to noncurrent loans | 114.5503% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 3.0671% | 324 |
| Noncurrent loans to loans | 1.6599% | 1,167 |
| Net loans and leases to total assets | 67.5504% | 2,742 |
| Net loans and leases to deposits | 80.8163% | 2,637 |
| Net loans and leases to core deposits | 88.5600% | 2,490 |
| Total domestic deposits to total assets | 83.5851% | 3,630 |
| Equity capital to assets | 10.4954% | 3,191 |
| Core capital (leverage) ratio | 8.6522% | 5,100 |
| Tier 1 risk-based capital ratio | 10.4961% | 5,542 |
| Total risk-based capital ratio | 11.7549% | 5,463 |
| Memoranda: | ||
| Average total assets | $233,013,000 | 2,683 |
| Average earning assets | $203,465,500 | 2,795 |
| Average equity | $24,199,000 | 2,774 |
| Average total loans | $158,397,500 | 2,597 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 4,714 |
| Cost of funding earning assets | 0.4260% | 2,747 |
| Net interest margin | 3.0993% | 4,726 |
| Noninterest income to average assets | 0.0703% | 5,722 |
| Noninterest expense to average assets | 3.0311% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.1235% | 5,694 |
| Return on assets (ROA) | 0.0415% | 5,639 |
| Pretax return on assets | -0.0183% | 5,664 |
| Return on Equity (ROE) | 0.4150% | 5,632 |
| Retained earnings to average equity (ytd only) | 0.4150% | 5,154 |
| Net charge-offs to loans | 0.0299% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -15.0889% | 4,247 |
| Efficiency ratio | 110.0162% | 124 |
| Assets per employee ($millions) | 8.6865% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 773 |
| Loan loss allowance to noncurrent loans | 131.4236% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 2.8814% | 370 |
| Noncurrent loans to loans | 1.4639% | 1,385 |
| Net loans and leases to total assets | 65.8166% | 3,101 |
| Net loans and leases to deposits | 74.4115% | 3,473 |
| Net loans and leases to core deposits | 78.9169% | 3,484 |
| Total domestic deposits to total assets | 88.4495% | 1,406 |
| Equity capital to assets | 10.2765% | 3,417 |
| Core capital (leverage) ratio | 8.5449% | 5,216 |
| Tier 1 risk-based capital ratio | 10.3568% | 5,635 |
| Total risk-based capital ratio | 11.6179% | 5,568 |
| Memoranda: | ||
| Average total assets | $246,049,000 | 2,543 |
| Average earning assets | $213,142,200 | 2,666 |
| Average equity | $24,580,600 | 2,753 |
| Average total loans | $150,669,800 | 2,632 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4821% | 4,861 |
| Cost of funding earning assets | 0.4452% | 2,599 |
| Net interest margin | 3.0370% | 4,933 |
| Noninterest income to average assets | 0.0343% | 5,872 |
| Noninterest expense to average assets | 3.0461% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1864% | 5,789 |
| Return on assets (ROA) | 0.0268% | 5,725 |
| Pretax return on assets | -0.0477% | 5,749 |
| Return on Equity (ROE) | 0.2699% | 5,720 |
| Retained earnings to average equity (ytd only) | 0.2699% | 5,278 |
| Net charge-offs to loans | 0.0376% | 2,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -16.9282% | 3,927 |
| Efficiency ratio | 114.2886% | 104 |
| Assets per employee ($millions) | 8.6342% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 767 |
| Loan loss allowance to noncurrent loans | 131.5538% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 3.2777% | 325 |
| Noncurrent loans to loans | 1.4928% | 1,443 |
| Net loans and leases to total assets | 64.9061% | 3,281 |
| Net loans and leases to deposits | 73.6719% | 3,626 |
| Net loans and leases to core deposits | 78.5921% | 3,603 |
| Total domestic deposits to total assets | 88.1016% | 1,351 |
| Equity capital to assets | 10.6231% | 3,435 |
| Core capital (leverage) ratio | 8.3135% | 5,491 |
| Tier 1 risk-based capital ratio | 10.4175% | 5,650 |
| Total risk-based capital ratio | 11.6783% | 5,573 |
| Memoranda: | ||
| Average total assets | $248,927,500 | 2,523 |
| Average earning assets | $215,649,250 | 2,651 |
| Average equity | $24,700,250 | 2,766 |
| Average total loans | $148,989,500 | 2,656 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 5,015 |
| Cost of funding earning assets | 0.4619% | 2,456 |
| Net interest margin | 2.9726% | 5,129 |
| Noninterest income to average assets | 0.0165% | 5,972 |
| Noninterest expense to average assets | 2.9395% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3410% | 5,889 |
| Return on assets (ROA) | 0.1817% | 5,609 |
| Pretax return on assets | 0.1880% | 5,630 |
| Return on Equity (ROE) | 1.8721% | 5,533 |
| Retained earnings to average equity (ytd only) | 1.8721% | 4,618 |
| Net charge-offs to loans | 0.0802% | 2,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -7.5593% | 3,640 |
| Efficiency ratio | 113.5562% | 121 |
| Assets per employee ($millions) | 9.4533% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0582% | 664 |
| Loan loss allowance to noncurrent loans | 130.8728% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 3.3928% | 325 |
| Noncurrent loans to loans | 1.5726% | 1,367 |
| Net loans and leases to total assets | 58.3547% | 4,084 |
| Net loans and leases to deposits | 65.9747% | 4,350 |
| Net loans and leases to core deposits | 72.1155% | 4,166 |
| Total domestic deposits to total assets | 88.4501% | 1,196 |
| Equity capital to assets | 10.1686% | 4,004 |
| Core capital (leverage) ratio | 7.5704% | 5,865 |
| Tier 1 risk-based capital ratio | 9.8332% | 5,891 |
| Total risk-based capital ratio | 11.1027% | 5,849 |
| Memoranda: | ||
| Average total assets | $254,195,670 | 2,496 |
| Average earning assets | $219,940,670 | 2,615 |
| Average equity | $24,678,670 | 2,771 |
| Average total loans | $147,205,330 | 2,686 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3873% | 5,154 |
| Cost of funding earning assets | 0.4683% | 2,387 |
| Net interest margin | 2.9190% | 5,290 |
| Noninterest income to average assets | 0.4721% | 3,330 |
| Noninterest expense to average assets | 2.8282% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1904% | 5,546 |
| Return on assets (ROA) | 0.1889% | 5,603 |
| Pretax return on assets | 0.1703% | 5,669 |
| Return on Equity (ROE) | 1.9901% | 5,501 |
| Retained earnings to average equity (ytd only) | 1.9901% | 4,458 |
| Net charge-offs to loans | 0.0352% | 2,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.5385% | 2,044 |
| Efficiency ratio | 94.2724% | 436 |
| Assets per employee ($millions) | 9.3187% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1243% | 662 |
| Loan loss allowance to noncurrent loans | 130.1020% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 4.2913% | 219 |
| Noncurrent loans to loans | 1.6328% | 1,402 |
| Net loans and leases to total assets | 56.0355% | 4,253 |
| Net loans and leases to deposits | 63.1627% | 4,493 |
| Net loans and leases to core deposits | 69.1321% | 4,304 |
| Total domestic deposits to total assets | 88.7160% | 1,241 |
| Equity capital to assets | 9.8225% | 4,309 |
| Core capital (leverage) ratio | 7.1307% | 5,982 |
| Tier 1 risk-based capital ratio | 10.1493% | 5,877 |
| Total risk-based capital ratio | 11.4206% | 5,800 |
| Memoranda: | ||
| Average total assets | $258,401,000 | 2,477 |
| Average earning assets | $223,776,500 | 2,596 |
| Average equity | $24,521,500 | 2,787 |
| Average total loans | $147,587,500 | 2,685 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 4,020 |
| Cost of funding earning assets | 0.4359% | 2,776 |
| Net interest margin | 3.3717% | 4,028 |
| Noninterest income to average assets | 0.0785% | 5,927 |
| Noninterest expense to average assets | 2.8005% | 3,226 |
| Loan and lease loss provision to assets | 0.6871% | 147 |
| Net operating income to assets | -0.2312% | 5,972 |
| Return on assets (ROA) | -0.2317% | 5,983 |
| Pretax return on assets | -0.4763% | 6,038 |
| Return on Equity (ROE) | -2.3703% | 5,993 |
| Retained earnings to average equity (ytd only) | -2.3703% | 5,778 |
| Net charge-offs to loans | 2.5541% | 46 |
| Credit loss provision to net charge-offs | 42.0633% | 3,506 |
| Earnings coverage of net charge-offs (x) | 0.1295% | 4,258 |
| Efficiency ratio | 92.9769% | 531 |
| Assets per employee ($millions) | 10.2058% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 650 |
| Loan loss allowance to noncurrent loans | 137.2874% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 4.5152% | 210 |
| Noncurrent loans to loans | 1.5594% | 1,474 |
| Net loans and leases to total assets | 55.6248% | 4,326 |
| Net loans and leases to deposits | 62.0660% | 4,633 |
| Net loans and leases to core deposits | 68.6401% | 4,403 |
| Total domestic deposits to total assets | 89.6220% | 789 |
| Equity capital to assets | 9.2349% | 4,861 |
| Core capital (leverage) ratio | 7.3322% | 6,005 |
| Tier 1 risk-based capital ratio | 10.0766% | 5,938 |
| Total risk-based capital ratio | 11.3470% | 5,856 |
| Memoranda: | ||
| Average total assets | $253,387,200 | 2,479 |
| Average earning assets | $220,449,400 | 2,582 |
| Average equity | $24,764,400 | 2,713 |
| Average total loans | $162,053,600 | 2,444 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 3,537 |
| Cost of funding earning assets | 0.4160% | 3,054 |
| Net interest margin | 3.5352% | 3,408 |
| Noninterest income to average assets | 0.1244% | 5,850 |
| Noninterest expense to average assets | 2.9070% | 2,827 |
| Loan and lease loss provision to assets | 0.3180% | 445 |
| Net operating income to assets | 0.0411% | 5,901 |
| Return on assets (ROA) | 0.0404% | 5,946 |
| Pretax return on assets | -0.0202% | 5,980 |
| Return on Equity (ROE) | 0.4024% | 5,935 |
| Retained earnings to average equity (ytd only) | 0.4024% | 5,503 |
| Net charge-offs to loans | 3.2411% | 31 |
| Credit loss provision to net charge-offs | 14.9202% | 3,408 |
| Earnings coverage of net charge-offs (x) | 0.1402% | 3,981 |
| Efficiency ratio | 90.6784% | 652 |
| Assets per employee ($millions) | 10.4158% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 2,688 |
| Loan loss allowance to noncurrent loans | 79.2069% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.0262% | 498 |
| Noncurrent loans to loans | 1.7453% | 1,366 |
| Net loans and leases to total assets | 60.7376% | 3,769 |
| Net loans and leases to deposits | 68.1183% | 4,182 |
| Net loans and leases to core deposits | 75.4206% | 3,864 |
| Total domestic deposits to total assets | 89.1649% | 937 |
| Equity capital to assets | 9.7157% | 4,498 |
| Core capital (leverage) ratio | 8.2209% | 5,759 |
| Tier 1 risk-based capital ratio | 10.7930% | 5,758 |
| Total risk-based capital ratio | 11.9455% | 5,732 |
| Memoranda: | ||
| Average total assets | $250,748,000 | 2,521 |
| Average earning assets | $218,559,500 | 2,616 |
| Average equity | $25,181,000 | 2,702 |
| Average total loans | $164,879,000 | 2,425 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 3,257 |
| Cost of funding earning assets | 0.3833% | 3,443 |
| Net interest margin | 3.6249% | 2,999 |
| Noninterest income to average assets | 0.0969% | 6,040 |
| Noninterest expense to average assets | 3.0127% | 2,514 |
| Loan and lease loss provision to assets | 0.0484% | 3,151 |
| Net operating income to assets | 0.1718% | 5,761 |
| Return on assets (ROA) | 0.1703% | 5,822 |
| Pretax return on assets | 0.1873% | 5,835 |
| Return on Equity (ROE) | 1.6642% | 5,763 |
| Retained earnings to average equity (ytd only) | 1.6642% | 4,864 |
| Net charge-offs to loans | 3.5821% | 26 |
| Credit loss provision to net charge-offs | 2.0020% | 3,149 |
| Earnings coverage of net charge-offs (x) | 0.0981% | 3,704 |
| Efficiency ratio | 92.6975% | 600 |
| Assets per employee ($millions) | 10.6426% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 1,787 |
| Loan loss allowance to noncurrent loans | 61.1414% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 3.6199% | 386 |
| Noncurrent loans to loans | 2.6825% | 808 |
| Net loans and leases to total assets | 63.1349% | 3,394 |
| Net loans and leases to deposits | 71.1598% | 3,802 |
| Net loans and leases to core deposits | 78.6087% | 3,519 |
| Total domestic deposits to total assets | 88.7226% | 1,284 |
| Equity capital to assets | 9.9466% | 4,095 |
| Core capital (leverage) ratio | 7.0001% | 6,192 |
| Tier 1 risk-based capital ratio | 8.5579% | 6,279 |
| Total risk-based capital ratio | 9.8296% | 6,277 |
| Memoranda: | ||
| Average total assets | $247,747,670 | 2,562 |
| Average earning assets | $215,507,000 | 2,664 |
| Average equity | $25,357,000 | 2,692 |
| Average total loans | $167,334,000 | 2,400 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 2,982 |
| Cost of funding earning assets | 0.3185% | 4,241 |
| Net interest margin | 3.7445% | 2,451 |
| Noninterest income to average assets | 0.1443% | 5,880 |
| Noninterest expense to average assets | 2.9191% | 2,835 |
| Loan and lease loss provision to assets | 0.0246% | 3,382 |
| Net operating income to assets | 0.3419% | 5,274 |
| Return on assets (ROA) | 0.3395% | 5,393 |
| Pretax return on assets | 0.4559% | 5,296 |
| Return on Equity (ROE) | 3.2685% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.2685% | 4,020 |
| Net charge-offs to loans | 7.0948% | 9 |
| Credit loss provision to net charge-offs | 0.5003% | 2,490 |
| Earnings coverage of net charge-offs (x) | 0.0984% | 3,102 |
| Efficiency ratio | 85.7831% | 1,200 |
| Assets per employee ($millions) | 9.2010% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 2,065 |
| Loan loss allowance to noncurrent loans | 59.7018% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.8830% | 392 |
| Noncurrent loans to loans | 2.6733% | 888 |
| Net loans and leases to total assets | 68.1179% | 2,421 |
| Net loans and leases to deposits | 77.3567% | 2,897 |
| Net loans and leases to core deposits | 85.6441% | 2,588 |
| Total domestic deposits to total assets | 88.0569% | 1,788 |
| Equity capital to assets | 10.6853% | 3,333 |
| Core capital (leverage) ratio | 8.0677% | 5,903 |
| Tier 1 risk-based capital ratio | 10.0621% | 6,159 |
| Total risk-based capital ratio | 11.3237% | 6,102 |
| Memoranda: | ||
| Average total assets | $243,910,000 | 2,605 |
| Average earning assets | $212,260,500 | 2,706 |
| Average equity | $25,332,500 | 2,716 |
| Average total loans | $169,026,000 | 2,378 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5745% | 5,153 |
| Cost of funding earning assets | 0.3281% | 4,515 |
| Net interest margin | 3.2464% | 4,767 |
| Noninterest income to average assets | 0.1901% | 5,718 |
| Noninterest expense to average assets | 2.7868% | 3,535 |
| Loan and lease loss provision to assets | 0.0570% | 3,406 |
| Net operating income to assets | 0.1738% | 5,817 |
| Return on assets (ROA) | 0.1738% | 5,863 |
| Pretax return on assets | 0.1897% | 5,888 |
| Return on Equity (ROE) | 1.7577% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.7577% | 4,938 |
| Net charge-offs to loans | -0.1035% | 6,118 |
| Credit loss provision to net charge-offs | -95.3333% | 5,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8670% | 718 |
| Assets per employee ($millions) | 8.8784% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2629% | 225 |
| Loan loss allowance to noncurrent loans | 75.3482% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 5.2109% | 251 |
| Noncurrent loans to loans | 4.3304% | 394 |
| Net loans and leases to total assets | 67.1079% | 2,709 |
| Net loans and leases to deposits | 76.1360% | 3,181 |
| Net loans and leases to core deposits | 82.1169% | 3,095 |
| Total domestic deposits to total assets | 88.1422% | 1,691 |
| Equity capital to assets | 10.0980% | 3,985 |
| Core capital (leverage) ratio | 8.0081% | 6,001 |
| Tier 1 risk-based capital ratio | 9.3631% | 6,369 |
| Total risk-based capital ratio | 10.6322% | 6,348 |
| Memoranda: | ||
| Average total assets | $250,899,200 | 2,515 |
| Average earning assets | $219,748,600 | 2,628 |
| Average equity | $24,805,600 | 2,686 |
| Average total loans | $144,970,200 | 2,641 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 5,405 |
| Cost of funding earning assets | 0.3348% | 4,521 |
| Net interest margin | 3.1589% | 5,094 |
| Noninterest income to average assets | 0.1872% | 5,800 |
| Noninterest expense to average assets | 2.7528% | 3,631 |
| Loan and lease loss provision to assets | 0.0938% | 2,484 |
| Net operating income to assets | 0.1251% | 5,990 |
| Return on assets (ROA) | 0.1251% | 6,024 |
| Pretax return on assets | 0.1119% | 6,047 |
| Return on Equity (ROE) | 1.2723% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.2723% | 5,389 |
| Net charge-offs to loans | -0.0068% | 5,349 |
| Credit loss provision to net charge-offs | -2,528.5714% | 5,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0466% | 643 |
| Assets per employee ($millions) | 8.5670% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7977% | 185 |
| Loan loss allowance to noncurrent loans | 73.4754% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 5.4178% | 290 |
| Noncurrent loans to loans | 5.1687% | 335 |
| Net loans and leases to total assets | 58.2711% | 4,034 |
| Net loans and leases to deposits | 66.2033% | 4,305 |
| Net loans and leases to core deposits | 72.4506% | 4,106 |
| Total domestic deposits to total assets | 88.0184% | 1,759 |
| Equity capital to assets | 10.3970% | 3,682 |
| Core capital (leverage) ratio | 7.8587% | 6,155 |
| Tier 1 risk-based capital ratio | 10.6923% | 6,133 |
| Total risk-based capital ratio | 11.9655% | 6,075 |
| Memoranda: | ||
| Average total assets | $251,475,250 | 2,527 |
| Average earning assets | $220,622,250 | 2,630 |
| Average equity | $24,731,250 | 2,698 |
| Average total loans | $138,099,250 | 2,757 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 5,652 |
| Cost of funding earning assets | 0.3346% | 4,590 |
| Net interest margin | 3.0525% | 5,391 |
| Noninterest income to average assets | 0.1880% | 5,834 |
| Noninterest expense to average assets | 2.8104% | 3,460 |
| Loan and lease loss provision to assets | 0.0924% | 2,483 |
| Net operating income to assets | 0.0376% | 6,150 |
| Return on assets (ROA) | 0.0376% | 6,176 |
| Pretax return on assets | -0.0282% | 6,216 |
| Return on Equity (ROE) | 0.3893% | 6,168 |
| Retained earnings to average equity (ytd only) | 0.3893% | 5,582 |
| Net charge-offs to loans | -0.0088% | 5,299 |
| Credit loss provision to net charge-offs | -1,966.6667% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7657% | 477 |
| Assets per employee ($millions) | 9.5411% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9580% | 177 |
| Loan loss allowance to noncurrent loans | 72.2627% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 4.8830% | 374 |
| Noncurrent loans to loans | 5.4772% | 329 |
| Net loans and leases to total assets | 51.4116% | 4,806 |
| Net loans and leases to deposits | 57.7709% | 5,063 |
| Net loans and leases to core deposits | 63.6509% | 4,842 |
| Total domestic deposits to total assets | 88.9922% | 1,359 |
| Equity capital to assets | 9.6239% | 4,593 |
| Core capital (leverage) ratio | 7.5523% | 6,299 |
| Tier 1 risk-based capital ratio | 10.9713% | 6,062 |
| Total risk-based capital ratio | 12.2458% | 5,997 |
| Memoranda: | ||
| Average total assets | $255,341,330 | 2,500 |
| Average earning assets | $224,732,330 | 2,595 |
| Average equity | $24,661,670 | 2,697 |
| Average total loans | $135,700,000 | 2,782 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 5,797 |
| Cost of funding earning assets | 0.3461% | 4,574 |
| Net interest margin | 2.9783% | 5,577 |
| Noninterest income to average assets | 0.1825% | 5,869 |
| Noninterest expense to average assets | 2.7851% | 3,623 |
| Loan and lease loss provision to assets | 0.0928% | 2,369 |
| Net operating income to assets | 0.0047% | 6,208 |
| Return on assets (ROA) | 0.0047% | 6,225 |
| Pretax return on assets | -0.0818% | 6,276 |
| Return on Equity (ROE) | 0.0488% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.0488% | 5,530 |
| Net charge-offs to loans | -0.0119% | 5,119 |
| Credit loss provision to net charge-offs | -1,475.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6061% | 476 |
| Assets per employee ($millions) | 9.1069% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8957% | 203 |
| Loan loss allowance to noncurrent loans | 60.2478% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 5.6645% | 326 |
| Noncurrent loans to loans | 6.4660% | 257 |
| Net loans and leases to total assets | 52.2140% | 4,647 |
| Net loans and leases to deposits | 58.8491% | 4,858 |
| Net loans and leases to core deposits | 65.1612% | 4,587 |
| Total domestic deposits to total assets | 88.7252% | 1,817 |
| Equity capital to assets | 9.6728% | 4,265 |
| Core capital (leverage) ratio | 7.3498% | 6,387 |
| Tier 1 risk-based capital ratio | 10.6893% | 6,279 |
| Total risk-based capital ratio | 11.9635% | 6,230 |
| Memoranda: | ||
| Average total assets | $254,207,500 | 2,514 |
| Average earning assets | $223,079,500 | 2,627 |
| Average equity | $24,596,500 | 2,683 |
| Average total loans | $134,600,500 | 2,817 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,781 |
| Cost of funding earning assets | 0.4203% | 4,431 |
| Net interest margin | 3.3898% | 4,316 |
| Noninterest income to average assets | -0.1003% | 6,722 |
| Noninterest expense to average assets | 2.6521% | 4,271 |
| Loan and lease loss provision to assets | 2.0089% | 47 |
| Net operating income to assets | -1.0548% | 6,619 |
| Return on assets (ROA) | -1.0503% | 6,615 |
| Pretax return on assets | -1.7595% | 6,689 |
| Return on Equity (ROE) | -9.8067% | 6,581 |
| Retained earnings to average equity (ytd only) | -10.5412% | 6,546 |
| Net charge-offs to loans | 2.0768% | 175 |
| Credit loss provision to net charge-offs | 182.2627% | 1,263 |
| Earnings coverage of net charge-offs (x) | 0.2198% | 5,014 |
| Efficiency ratio | 91.6282% | 900 |
| Assets per employee ($millions) | 9.3860% | 283 |
| Cash dividends to net income (ytd only)* | -7.4906% | 6,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0823% | 191 |
| Loan loss allowance to noncurrent loans | 60.2032% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 5.7544% | 347 |
| Noncurrent loans to loans | 6.7809% | 259 |
| Net loans and leases to total assets | 49.4543% | 5,141 |
| Net loans and leases to deposits | 55.8264% | 5,319 |
| Net loans and leases to core deposits | 61.9399% | 5,065 |
| Total domestic deposits to total assets | 88.5858% | 1,863 |
| Equity capital to assets | 9.6787% | 4,184 |
| Core capital (leverage) ratio | 7.3278% | 6,435 |
| Tier 1 risk-based capital ratio | 10.9497% | 6,195 |
| Total risk-based capital ratio | 12.2247% | 6,134 |
| Memoranda: | ||
| Average total assets | $254,215,600 | 2,493 |
| Average earning assets | $224,584,600 | 2,574 |
| Average equity | $27,226,400 | 2,436 |
| Average total loans | $134,922,000 | 2,779 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 4,628 |
| Cost of funding earning assets | 0.4385% | 4,404 |
| Net interest margin | 3.4259% | 4,181 |
| Noninterest income to average assets | 0.1268% | 6,387 |
| Noninterest expense to average assets | 2.6214% | 4,323 |
| Loan and lease loss provision to assets | 0.2227% | 1,633 |
| Net operating income to assets | 0.2259% | 5,849 |
| Return on assets (ROA) | 0.2327% | 5,914 |
| Pretax return on assets | 0.3218% | 5,817 |
| Return on Equity (ROE) | 2.1218% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.1660% | 5,514 |
| Net charge-offs to loans | 0.1392% | 3,144 |
| Credit loss provision to net charge-offs | 299.2958% | 855 |
| Earnings coverage of net charge-offs (x) | 7.1901% | 2,831 |
| Efficiency ratio | 83.0483% | 1,702 |
| Assets per employee ($millions) | 9.2784% | 288 |
| Cash dividends to net income (ytd only)* | 45.0447% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5044% | 929 |
| Loan loss allowance to noncurrent loans | 89.5135% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 4.3123% | 708 |
| Noncurrent loans to loans | 2.7978% | 1,491 |
| Net loans and leases to total assets | 51.4682% | 4,941 |
| Net loans and leases to deposits | 59.1194% | 5,081 |
| Net loans and leases to core deposits | 65.7255% | 4,740 |
| Total domestic deposits to total assets | 87.0580% | 2,664 |
| Equity capital to assets | 11.0926% | 2,675 |
| Core capital (leverage) ratio | 9.4428% | 4,486 |
| Tier 1 risk-based capital ratio | 14.1864% | 4,291 |
| Total risk-based capital ratio | 15.4461% | 4,233 |
| Memoranda: | ||
| Average total assets | $254,414,000 | 2,506 |
| Average earning assets | $224,987,500 | 2,577 |
| Average equity | $27,901,000 | 2,417 |
| Average total loans | $135,987,000 | 2,770 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 4,371 |
| Cost of funding earning assets | 0.4456% | 4,479 |
| Net interest margin | 3.4809% | 3,866 |
| Noninterest income to average assets | 0.0939% | 6,547 |
| Noninterest expense to average assets | 2.6976% | 4,042 |
| Loan and lease loss provision to assets | 0.1994% | 1,905 |
| Net operating income to assets | 0.2052% | 5,874 |
| Return on assets (ROA) | 0.2143% | 5,986 |
| Pretax return on assets | 0.2949% | 5,890 |
| Return on Equity (ROE) | 1.9615% | 5,970 |
| Retained earnings to average equity (ytd only) | 1.9615% | 5,025 |
| Net charge-offs to loans | 0.2142% | 2,477 |
| Credit loss provision to net charge-offs | 173.4694% | 1,363 |
| Earnings coverage of net charge-offs (x) | 4.1905% | 3,192 |
| Efficiency ratio | 84.8462% | 1,549 |
| Assets per employee ($millions) | 9.0171% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3821% | 1,115 |
| Loan loss allowance to noncurrent loans | 58.1896% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 4.8689% | 637 |
| Noncurrent loans to loans | 4.0937% | 939 |
| Net loans and leases to total assets | 49.1606% | 5,203 |
| Net loans and leases to deposits | 56.1885% | 5,317 |
| Net loans and leases to core deposits | 62.3590% | 5,064 |
| Total domestic deposits to total assets | 87.4924% | 2,541 |
| Equity capital to assets | 10.7222% | 3,032 |
| Core capital (leverage) ratio | 9.5613% | 4,143 |
| Tier 1 risk-based capital ratio | 14.7495% | 3,944 |
| Total risk-based capital ratio | 16.0080% | 3,900 |
| Memoranda: | ||
| Average total assets | $255,712,670 | 2,501 |
| Average earning assets | $226,667,330 | 2,569 |
| Average equity | $27,938,330 | 2,426 |
| Average total loans | $137,233,000 | 2,756 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 4,979 |
| Cost of funding earning assets | 0.4594% | 4,492 |
| Net interest margin | 3.2948% | 4,538 |
| Noninterest income to average assets | -0.0142% | 6,882 |
| Noninterest expense to average assets | 2.6928% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1535% | 6,030 |
| Return on assets (ROA) | 0.1535% | 6,127 |
| Pretax return on assets | 0.2088% | 6,061 |
| Return on Equity (ROE) | 1.3913% | 6,119 |
| Retained earnings to average equity (ytd only) | 1.3913% | 5,283 |
| Net charge-offs to loans | 0.0200% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 18.8571% | 1,245 |
| Efficiency ratio | 92.8026% | 918 |
| Assets per employee ($millions) | 9.4576% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 1,620 |
| Loan loss allowance to noncurrent loans | 48.9155% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 5.1149% | 704 |
| Noncurrent loans to loans | 4.4631% | 940 |
| Net loans and leases to total assets | 53.0248% | 4,558 |
| Net loans and leases to deposits | 61.2439% | 4,651 |
| Net loans and leases to core deposits | 68.3605% | 4,259 |
| Total domestic deposits to total assets | 86.5798% | 3,195 |
| Equity capital to assets | 11.0161% | 2,946 |
| Core capital (leverage) ratio | 9.6195% | 3,886 |
| Tier 1 risk-based capital ratio | 13.8015% | 4,651 |
| Total risk-based capital ratio | 15.0585% | 4,610 |
| Memoranda: | ||
| Average total assets | $252,821,000 | 2,555 |
| Average earning assets | $223,747,000 | 2,626 |
| Average equity | $27,888,500 | 2,455 |
| Average total loans | $140,004,500 | 2,731 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 3,019 |
| Cost of funding earning assets | 0.5371% | 4,935 |
| Net interest margin | 4.0588% | 2,152 |
| Noninterest income to average assets | 0.0908% | 6,541 |
| Noninterest expense to average assets | 2.7394% | 4,253 |
| Loan and lease loss provision to assets | 0.3041% | 2,246 |
| Net operating income to assets | 0.4392% | 4,927 |
| Return on assets (ROA) | 0.4392% | 5,174 |
| Pretax return on assets | 0.6574% | 4,803 |
| Return on Equity (ROE) | 3.7367% | 5,258 |
| Retained earnings to average equity (ytd only) | -8.3394% | 6,589 |
| Net charge-offs to loans | 0.7466% | 1,572 |
| Credit loss provision to net charge-offs | 65.8472% | 4,293 |
| Earnings coverage of net charge-offs (x) | 2.0817% | 4,370 |
| Efficiency ratio | 74.0193% | 3,066 |
| Assets per employee ($millions) | 8.6306% | 381 |
| Cash dividends to net income (ytd only)* | 323.1764% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1393% | 1,671 |
| Loan loss allowance to noncurrent loans | 120.2939% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 3.8084% | 1,151 |
| Noncurrent loans to loans | 1.7784% | 2,952 |
| Net loans and leases to total assets | 55.3590% | 4,398 |
| Net loans and leases to deposits | 63.6695% | 4,576 |
| Net loans and leases to core deposits | 71.2859% | 4,136 |
| Total domestic deposits to total assets | 86.9474% | 2,868 |
| Equity capital to assets | 11.0461% | 2,894 |
| Core capital (leverage) ratio | 9.9377% | 3,488 |
| Tier 1 risk-based capital ratio | 14.0353% | 4,365 |
| Total risk-based capital ratio | 15.2917% | 4,313 |
| Memoranda: | ||
| Average total assets | $246,590,400 | 2,562 |
| Average earning assets | $219,324,600 | 2,618 |
| Average equity | $28,982,800 | 2,325 |
| Average total loans | $152,552,600 | 2,536 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 2,813 |
| Cost of funding earning assets | 0.5466% | 5,111 |
| Net interest margin | 4.1514% | 1,896 |
| Noninterest income to average assets | 0.0716% | 6,732 |
| Noninterest expense to average assets | 2.7809% | 4,053 |
| Loan and lease loss provision to assets | 0.3528% | 1,846 |
| Net operating income to assets | 0.3891% | 5,294 |
| Return on assets (ROA) | 0.3891% | 5,507 |
| Pretax return on assets | 0.6274% | 5,085 |
| Return on Equity (ROE) | 3.2609% | 5,589 |
| Retained earnings to average equity (ytd only) | -12.6568% | 6,868 |
| Net charge-offs to loans | 0.9667% | 1,105 |
| Credit loss provision to net charge-offs | 57.7265% | 4,214 |
| Earnings coverage of net charge-offs (x) | 1.6039% | 4,479 |
| Efficiency ratio | 73.9394% | 2,994 |
| Assets per employee ($millions) | 8.5570% | 384 |
| Cash dividends to net income (ytd only)* | 488.1431% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 2,009 |
| Loan loss allowance to noncurrent loans | 112.8067% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 4.0180% | 1,199 |
| Noncurrent loans to loans | 1.8263% | 3,037 |
| Net loans and leases to total assets | 58.3720% | 4,070 |
| Net loans and leases to deposits | 67.4400% | 4,266 |
| Net loans and leases to core deposits | 76.9879% | 3,606 |
| Total domestic deposits to total assets | 86.5540% | 2,946 |
| Equity capital to assets | 11.3942% | 2,854 |
| Core capital (leverage) ratio | 9.9488% | 3,616 |
| Tier 1 risk-based capital ratio | 13.9678% | 4,552 |
| Total risk-based capital ratio | 15.2241% | 4,495 |
| Memoranda: | ||
| Average total assets | $245,666,000 | 2,596 |
| Average earning assets | $218,330,500 | 2,659 |
| Average equity | $29,316,750 | 2,313 |
| Average total loans | $155,294,250 | 2,530 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 2,463 |
| Cost of funding earning assets | 0.5518% | 5,296 |
| Net interest margin | 4.2581% | 1,582 |
| Noninterest income to average assets | 0.0816% | 6,752 |
| Noninterest expense to average assets | 2.8124% | 3,967 |
| Loan and lease loss provision to assets | 0.4037% | 1,625 |
| Net operating income to assets | 0.4045% | 5,199 |
| Return on assets (ROA) | 0.4045% | 5,435 |
| Pretax return on assets | 0.6540% | 4,960 |
| Return on Equity (ROE) | 3.3412% | 5,546 |
| Retained earnings to average equity (ytd only) | 3.3412% | 4,375 |
| Net charge-offs to loans | 0.4227% | 2,346 |
| Credit loss provision to net charge-offs | 148.3680% | 1,867 |
| Earnings coverage of net charge-offs (x) | 3.8872% | 3,242 |
| Efficiency ratio | 72.6685% | 3,307 |
| Assets per employee ($millions) | 8.8038% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3985% | 1,414 |
| Loan loss allowance to noncurrent loans | 181.8690% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 3.9370% | 1,313 |
| Noncurrent loans to loans | 1.3188% | 3,942 |
| Net loans and leases to total assets | 59.1154% | 3,969 |
| Net loans and leases to deposits | 68.8574% | 4,069 |
| Net loans and leases to core deposits | 78.5645% | 3,442 |
| Total domestic deposits to total assets | 85.8519% | 3,426 |
| Equity capital to assets | 12.2954% | 1,936 |
| Core capital (leverage) ratio | 11.2516% | 2,083 |
| Tier 1 risk-based capital ratio | 15.3639% | 3,532 |
| Total risk-based capital ratio | 16.6239% | 3,484 |
| Memoranda: | ||
| Average total assets | $247,689,330 | 2,574 |
| Average earning assets | $220,381,000 | 2,644 |
| Average equity | $29,989,000 | 2,256 |
| Average total loans | $159,459,330 | 2,470 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 2,120 |
| Cost of funding earning assets | 0.5700% | 5,363 |
| Net interest margin | 4.3631% | 1,303 |
| Noninterest income to average assets | 0.1289% | 6,605 |
| Noninterest expense to average assets | 2.9177% | 3,546 |
| Loan and lease loss provision to assets | 0.4028% | 1,570 |
| Net operating income to assets | 0.4285% | 5,128 |
| Return on assets (ROA) | 0.4285% | 5,317 |
| Pretax return on assets | 0.6928% | 4,819 |
| Return on Equity (ROE) | 3.5670% | 5,476 |
| Retained earnings to average equity (ytd only) | 3.5670% | 4,436 |
| Net charge-offs to loans | 0.6564% | 1,490 |
| Credit loss provision to net charge-offs | 92.5926% | 2,500 |
| Earnings coverage of net charge-offs (x) | 2.5185% | 3,160 |
| Efficiency ratio | 72.7017% | 3,308 |
| Assets per employee ($millions) | 8.4092% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1253% | 2,037 |
| Loan loss allowance to noncurrent loans | 162.9736% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 4.1215% | 1,330 |
| Noncurrent loans to loans | 1.3040% | 4,162 |
| Net loans and leases to total assets | 64.1698% | 2,821 |
| Net loans and leases to deposits | 74.9081% | 2,985 |
| Net loans and leases to core deposits | 84.9837% | 2,408 |
| Total domestic deposits to total assets | 85.6647% | 3,706 |
| Equity capital to assets | 12.4006% | 1,787 |
| Core capital (leverage) ratio | 10.9662% | 2,286 |
| Tier 1 risk-based capital ratio | 14.3145% | 4,230 |
| Total risk-based capital ratio | 15.5714% | 4,201 |
| Memoranda: | ||
| Average total assets | $248,281,000 | 2,577 |
| Average earning assets | $221,037,000 | 2,644 |
| Average equity | $29,829,000 | 2,273 |
| Average total loans | $164,537,000 | 2,421 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 4,319 |
| Cost of funding earning assets | 0.7521% | 5,199 |
| Net interest margin | 3.9306% | 3,203 |
| Noninterest income to average assets | -0.0337% | 7,046 |
| Noninterest expense to average assets | 2.9865% | 3,639 |
| Loan and lease loss provision to assets | 0.3490% | 2,905 |
| Net operating income to assets | 0.2364% | 5,476 |
| Return on assets (ROA) | 0.2415% | 5,601 |
| Pretax return on assets | 0.2275% | 5,722 |
| Return on Equity (ROE) | 2.1583% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.1583% | 4,681 |
| Net charge-offs to loans | 2.3907% | 506 |
| Credit loss provision to net charge-offs | 22.8992% | 5,882 |
| Earnings coverage of net charge-offs (x) | 0.3750% | 5,538 |
| Efficiency ratio | 83.9369% | 1,771 |
| Assets per employee ($millions) | 8.7136% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 2,212 |
| Loan loss allowance to noncurrent loans | 59.4538% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 4.2011% | 1,343 |
| Noncurrent loans to loans | 3.3980% | 1,900 |
| Net loans and leases to total assets | 65.6004% | 2,853 |
| Net loans and leases to deposits | 76.0848% | 3,166 |
| Net loans and leases to core deposits | 87.1941% | 2,476 |
| Total domestic deposits to total assets | 86.2201% | 3,186 |
| Equity capital to assets | 11.6413% | 2,393 |
| Core capital (leverage) ratio | 10.7366% | 2,492 |
| Tier 1 risk-based capital ratio | 13.7384% | 4,531 |
| Total risk-based capital ratio | 14.9935% | 4,485 |
| Memoranda: | ||
| Average total assets | $258,429,600 | 2,443 |
| Average earning assets | $236,147,400 | 2,440 |
| Average equity | $28,911,400 | 2,279 |
| Average total loans | $164,760,800 | 2,428 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 5,078 |
| Cost of funding earning assets | 0.7991% | 5,154 |
| Net interest margin | 3.7532% | 4,095 |
| Noninterest income to average assets | 0.0898% | 6,793 |
| Noninterest expense to average assets | 3.0543% | 3,333 |
| Loan and lease loss provision to assets | 0.3910% | 2,513 |
| Net operating income to assets | 0.0537% | 6,066 |
| Return on assets (ROA) | 0.0580% | 6,161 |
| Pretax return on assets | 0.0949% | 6,107 |
| Return on Equity (ROE) | 0.5234% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.5234% | 5,798 |
| Net charge-offs to loans | 2.3610% | 483 |
| Credit loss provision to net charge-offs | 26.2940% | 5,471 |
| Earnings coverage of net charge-offs (x) | 0.3223% | 5,367 |
| Efficiency ratio | 86.4382% | 1,490 |
| Assets per employee ($millions) | 8.3369% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3733% | 1,579 |
| Loan loss allowance to noncurrent loans | 45.8980% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 4.9587% | 1,168 |
| Noncurrent loans to loans | 5.1708% | 1,183 |
| Net loans and leases to total assets | 71.0345% | 1,896 |
| Net loans and leases to deposits | 82.4132% | 2,280 |
| Net loans and leases to core deposits | 94.3290% | 1,766 |
| Total domestic deposits to total assets | 86.1932% | 3,095 |
| Equity capital to assets | 11.5346% | 2,648 |
| Core capital (leverage) ratio | 10.3943% | 2,993 |
| Tier 1 risk-based capital ratio | 12.9290% | 5,148 |
| Total risk-based capital ratio | 14.1902% | 5,117 |
| Memoranda: | ||
| Average total assets | $259,863,250 | 2,437 |
| Average earning assets | $238,438,750 | 2,422 |
| Average equity | $28,785,000 | 2,284 |
| Average total loans | $163,654,250 | 2,458 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 5,437 |
| Cost of funding earning assets | 0.8410% | 5,125 |
| Net interest margin | 3.6326% | 4,591 |
| Noninterest income to average assets | 0.1163% | 6,751 |
| Noninterest expense to average assets | 3.0261% | 3,538 |
| Loan and lease loss provision to assets | 0.3930% | 2,453 |
| Net operating income to assets | 0.0236% | 6,180 |
| Return on assets (ROA) | 0.0236% | 6,262 |
| Pretax return on assets | 0.0395% | 6,207 |
| Return on Equity (ROE) | 0.2155% | 6,262 |
| Retained earnings to average equity (ytd only) | 0.2155% | 5,752 |
| Net charge-offs to loans | 0.4697% | 2,702 |
| Credit loss provision to net charge-offs | 139.7297% | 2,177 |
| Earnings coverage of net charge-offs (x) | 1.5378% | 4,137 |
| Efficiency ratio | 87.4945% | 1,463 |
| Assets per employee ($millions) | 8.5633% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9582% | 427 |
| Loan loss allowance to noncurrent loans | 57.8412% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 5.3449% | 1,120 |
| Noncurrent loans to loans | 6.8432% | 770 |
| Net loans and leases to total assets | 62.3556% | 3,820 |
| Net loans and leases to deposits | 72.0371% | 4,109 |
| Net loans and leases to core deposits | 80.7162% | 3,689 |
| Total domestic deposits to total assets | 86.5605% | 3,005 |
| Equity capital to assets | 11.4438% | 2,554 |
| Core capital (leverage) ratio | 10.0250% | 3,234 |
| Tier 1 risk-based capital ratio | 14.0957% | 4,099 |
| Total risk-based capital ratio | 15.3751% | 4,051 |
| Memoranda: | ||
| Average total assets | $263,115,000 | 2,426 |
| Average earning assets | $242,083,330 | 2,406 |
| Average equity | $28,763,670 | 2,259 |
| Average total loans | $157,545,000 | 2,572 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 5,273 |
| Cost of funding earning assets | 0.8711% | 5,124 |
| Net interest margin | 3.6478% | 4,336 |
| Noninterest income to average assets | 0.1442% | 6,687 |
| Noninterest expense to average assets | 3.0711% | 3,381 |
| Loan and lease loss provision to assets | 0.3952% | 2,218 |
| Net operating income to assets | 0.0150% | 6,319 |
| Return on assets (ROA) | 0.0150% | 6,355 |
| Pretax return on assets | 0.0316% | 6,299 |
| Return on Equity (ROE) | 0.1406% | 6,355 |
| Retained earnings to average equity (ytd only) | 0.1406% | 5,746 |
| Net charge-offs to loans | 0.5624% | 2,083 |
| Credit loss provision to net charge-offs | 122.3256% | 2,241 |
| Earnings coverage of net charge-offs (x) | 1.3209% | 3,685 |
| Efficiency ratio | 87.8007% | 1,540 |
| Assets per employee ($millions) | 7.2440% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4222% | 303 |
| Loan loss allowance to noncurrent loans | 53.4127% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 5.8627% | 1,005 |
| Noncurrent loans to loans | 8.2794% | 580 |
| Net loans and leases to total assets | 53.8948% | 5,321 |
| Net loans and leases to deposits | 63.0070% | 5,381 |
| Net loans and leases to core deposits | 72.2706% | 4,751 |
| Total domestic deposits to total assets | 85.5378% | 3,763 |
| Equity capital to assets | 10.9685% | 2,720 |
| Core capital (leverage) ratio | 9.6779% | 3,556 |
| Tier 1 risk-based capital ratio | 15.3448% | 3,235 |
| Total risk-based capital ratio | 16.6281% | 3,186 |
| Memoranda: | ||
| Average total assets | $266,223,000 | 2,417 |
| Average earning assets | $244,750,000 | 2,400 |
| Average equity | $28,446,000 | 2,276 |
| Average total loans | $152,921,000 | 2,664 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 4,931 |
| Cost of funding earning assets | 1.2688% | 4,084 |
| Net interest margin | 3.6480% | 4,584 |
| Noninterest income to average assets | 0.0912% | 6,942 |
| Noninterest expense to average assets | 3.1203% | 3,382 |
| Loan and lease loss provision to assets | 2.0775% | 622 |
| Net operating income to assets | -1.0662% | 6,721 |
| Return on assets (ROA) | -0.5948% | 6,474 |
| Pretax return on assets | -1.0920% | 6,690 |
| Return on Equity (ROE) | -6.1351% | 6,507 |
| Retained earnings to average equity (ytd only) | -6.1351% | 6,396 |
| Net charge-offs to loans | 1.7541% | 1,217 |
| Credit loss provision to net charge-offs | 192.0455% | 1,668 |
| Earnings coverage of net charge-offs (x) | 0.2301% | 5,879 |
| Efficiency ratio | 92.6117% | 1,139 |
| Assets per employee ($millions) | 7.7618% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0651% | 375 |
| Loan loss allowance to noncurrent loans | 50.9914% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 5.6567% | 1,084 |
| Noncurrent loans to loans | 7.9722% | 650 |
| Net loans and leases to total assets | 56.0752% | 5,336 |
| Net loans and leases to deposits | 65.0582% | 5,510 |
| Net loans and leases to core deposits | 75.9420% | 4,723 |
| Total domestic deposits to total assets | 86.1924% | 3,251 |
| Equity capital to assets | 10.4129% | 3,261 |
| Core capital (leverage) ratio | 9.8422% | 3,272 |
| Tier 1 risk-based capital ratio | 15.2612% | 3,123 |
| Total risk-based capital ratio | 16.5402% | 3,065 |
| Memoranda: | ||
| Average total assets | $292,855,000 | 2,198 |
| Average earning assets | $263,155,200 | 2,228 |
| Average equity | $28,394,200 | 2,294 |
| Average total loans | $180,606,400 | 2,348 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 4,601 |
| Cost of funding earning assets | 1.3583% | 3,844 |
| Net interest margin | 3.6884% | 4,468 |
| Noninterest income to average assets | 0.0836% | 7,116 |
| Noninterest expense to average assets | 3.2944% | 2,592 |
| Loan and lease loss provision to assets | 2.5995% | 388 |
| Net operating income to assets | -1.4716% | 7,102 |
| Return on assets (ROA) | -0.8537% | 6,859 |
| Pretax return on assets | -1.5491% | 7,055 |
| Return on Equity (ROE) | -8.9557% | 6,879 |
| Retained earnings to average equity (ytd only) | -8.9557% | 6,823 |
| Net charge-offs to loans | 2.1985% | 820 |
| Credit loss provision to net charge-offs | 189.4720% | 1,900 |
| Earnings coverage of net charge-offs (x) | 0.0619% | 5,968 |
| Efficiency ratio | 97.4858% | 839 |
| Assets per employee ($millions) | 8.1387% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7550% | 449 |
| Loan loss allowance to noncurrent loans | 40.0944% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 7.2335% | 738 |
| Noncurrent loans to loans | 9.3653% | 487 |
| Net loans and leases to total assets | 56.5441% | 5,478 |
| Net loans and leases to deposits | 65.3468% | 5,739 |
| Net loans and leases to core deposits | 78.3980% | 4,754 |
| Total domestic deposits to total assets | 86.5292% | 2,793 |
| Equity capital to assets | 10.2533% | 3,819 |
| Core capital (leverage) ratio | 9.3115% | 4,194 |
| Tier 1 risk-based capital ratio | 13.7069% | 4,049 |
| Total risk-based capital ratio | 14.9807% | 3,990 |
| Memoranda: | ||
| Average total assets | $298,153,250 | 2,197 |
| Average earning assets | $266,411,500 | 2,244 |
| Average equity | $28,420,750 | 2,317 |
| Average total loans | $186,060,500 | 2,319 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 5,378 |
| Cost of funding earning assets | 1.3949% | 3,904 |
| Net interest margin | 3.5065% | 5,222 |
| Noninterest income to average assets | 0.0555% | 7,311 |
| Noninterest expense to average assets | 3.1482% | 3,103 |
| Loan and lease loss provision to assets | 0.3582% | 3,561 |
| Net operating income to assets | -0.1745% | 6,324 |
| Return on assets (ROA) | 0.1203% | 5,915 |
| Pretax return on assets | 0.1203% | 5,938 |
| Return on Equity (ROE) | 1.2927% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.2927% | 5,236 |
| Net charge-offs to loans | 0.4254% | 3,293 |
| Credit loss provision to net charge-offs | 132.5183% | 3,041 |
| Earnings coverage of net charge-offs (x) | 0.6797% | 5,066 |
| Efficiency ratio | 94.4852% | 1,043 |
| Assets per employee ($millions) | 8.1630% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0407% | 2,093 |
| Loan loss allowance to noncurrent loans | 22.3046% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 6.4161% | 879 |
| Noncurrent loans to loans | 9.1495% | 517 |
| Net loans and leases to total assets | 59.9800% | 5,062 |
| Net loans and leases to deposits | 68.9191% | 5,427 |
| Net loans and leases to core deposits | 83.9963% | 4,142 |
| Total domestic deposits to total assets | 87.0296% | 2,516 |
| Equity capital to assets | 9.6421% | 4,483 |
| Core capital (leverage) ratio | 8.6305% | 5,190 |
| Tier 1 risk-based capital ratio | 12.1218% | 5,197 |
| Total risk-based capital ratio | 13.3777% | 5,170 |
| Memoranda: | ||
| Average total assets | $302,586,330 | 2,186 |
| Average earning assets | $282,736,000 | 2,139 |
| Average equity | $28,158,670 | 2,327 |
| Average total loans | $192,296,670 | 2,293 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 5,346 |
| Cost of funding earning assets | 1.5304% | 3,373 |
| Net interest margin | 3.3911% | 5,615 |
| Noninterest income to average assets | -0.0326% | 7,714 |
| Noninterest expense to average assets | 3.2657% | 2,652 |
| Loan and lease loss provision to assets | 0.3532% | 3,262 |
| Net operating income to assets | -0.3078% | 6,675 |
| Return on assets (ROA) | 0.0626% | 6,230 |
| Pretax return on assets | 0.0977% | 6,142 |
| Return on Equity (ROE) | 0.6840% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.6840% | 5,550 |
| Net charge-offs to loans | 0.5542% | 2,421 |
| Credit loss provision to net charge-offs | 98.5455% | 3,481 |
| Earnings coverage of net charge-offs (x) | -0.3564% | 5,233 |
| Efficiency ratio | 104.0698% | 728 |
| Assets per employee ($millions) | 8.4658% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 2,609 |
| Loan loss allowance to noncurrent loans | 28.0890% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 4.9142% | 1,320 |
| Noncurrent loans to loans | 6.5502% | 951 |
| Net loans and leases to total assets | 61.8823% | 4,781 |
| Net loans and leases to deposits | 73.1723% | 4,872 |
| Net loans and leases to core deposits | 88.9018% | 3,511 |
| Total domestic deposits to total assets | 84.5706% | 3,863 |
| Equity capital to assets | 9.2326% | 4,945 |
| Core capital (leverage) ratio | 8.4692% | 5,425 |
| Tier 1 risk-based capital ratio | 11.2127% | 5,945 |
| Total risk-based capital ratio | 12.4666% | 5,894 |
| Memoranda: | ||
| Average total assets | $306,945,500 | 2,210 |
| Average earning assets | $286,989,500 | 2,163 |
| Average equity | $28,070,500 | 2,370 |
| Average total loans | $198,478,000 | 2,289 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4897% | 4,198 |
| Cost of funding earning assets | 2.3954% | 1,313 |
| Net interest margin | 3.0944% | 6,386 |
| Noninterest income to average assets | -0.0160% | 7,732 |
| Noninterest expense to average assets | 2.7378% | 5,203 |
| Loan and lease loss provision to assets | 0.4045% | 4,390 |
| Net operating income to assets | -0.2784% | 5,944 |
| Return on assets (ROA) | 0.1415% | 5,146 |
| Pretax return on assets | 0.1019% | 5,216 |
| Return on Equity (ROE) | 1.5590% | 5,063 |
| Retained earnings to average equity (ytd only) | -0.2412% | 5,000 |
| Net charge-offs to loans | 0.6340% | 3,305 |
| Credit loss provision to net charge-offs | 96.7188% | 5,746 |
| Earnings coverage of net charge-offs (x) | 0.2070% | 5,929 |
| Efficiency ratio | 96.9346% | 1,275 |
| Assets per employee ($millions) | 8.3546% | 438 |
| Cash dividends to net income (ytd only)* | 115.4734% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,792 |
| Loan loss allowance to noncurrent loans | 27.2482% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 4.9531% | 1,254 |
| Noncurrent loans to loans | 6.3411% | 960 |
| Net loans and leases to total assets | 65.1147% | 4,354 |
| Net loans and leases to deposits | 78.0198% | 4,368 |
| Net loans and leases to core deposits | 112.0991% | 2,688 |
| Total domestic deposits to total assets | 83.4593% | 4,298 |
| Equity capital to assets | 9.0589% | 5,050 |
| Core capital (leverage) ratio | 8.1108% | 5,972 |
| Tier 1 risk-based capital ratio | 10.6303% | 6,267 |
| Total risk-based capital ratio | 11.8835% | 6,238 |
| Memoranda: | ||
| Average total assets | $306,082,000 | 2,179 |
| Average earning assets | $280,960,200 | 2,180 |
| Average equity | $27,774,200 | 2,395 |
| Average total loans | $201,898,400 | 2,280 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 4,155 |
| Cost of funding earning assets | 2.5243% | 1,226 |
| Net interest margin | 3.0259% | 6,530 |
| Noninterest income to average assets | -0.0376% | 7,885 |
| Noninterest expense to average assets | 2.6878% | 5,379 |
| Loan and lease loss provision to assets | 0.3834% | 4,027 |
| Net operating income to assets | -0.3313% | 6,242 |
| Return on assets (ROA) | 0.0821% | 5,568 |
| Pretax return on assets | 0.0852% | 5,554 |
| Return on Equity (ROE) | 0.9044% | 5,528 |
| Retained earnings to average equity (ytd only) | -1.5008% | 5,610 |
| Net charge-offs to loans | 0.6906% | 2,626 |
| Credit loss provision to net charge-offs | 84.2610% | 5,647 |
| Earnings coverage of net charge-offs (x) | 0.0835% | 5,966 |
| Efficiency ratio | 98.6062% | 1,131 |
| Assets per employee ($millions) | 7.8289% | 551 |
| Cash dividends to net income (ytd only)* | 265.9579% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 2,758 |
| Loan loss allowance to noncurrent loans | 37.0005% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 3.8262% | 1,688 |
| Noncurrent loans to loans | 4.4944% | 1,558 |
| Net loans and leases to total assets | 64.5241% | 4,744 |
| Net loans and leases to deposits | 80.8956% | 4,220 |
| Net loans and leases to core deposits | 115.8912% | 2,636 |
| Total domestic deposits to total assets | 79.7622% | 5,538 |
| Equity capital to assets | 8.9246% | 5,600 |
| Core capital (leverage) ratio | 8.0074% | 6,342 |
| Tier 1 risk-based capital ratio | 10.5853% | 6,364 |
| Total risk-based capital ratio | 11.8378% | 6,332 |
| Memoranda: | ||
| Average total assets | $305,322,000 | 2,197 |
| Average earning assets | $278,833,500 | 2,204 |
| Average equity | $27,717,000 | 2,409 |
| Average total loans | $201,167,250 | 2,307 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 4,163 |
| Cost of funding earning assets | 2.6129% | 1,249 |
| Net interest margin | 2.9693% | 6,637 |
| Noninterest income to average assets | 0.0793% | 7,586 |
| Noninterest expense to average assets | 2.6989% | 5,389 |
| Loan and lease loss provision to assets | 0.1876% | 5,155 |
| Net operating income to assets | -0.0364% | 5,904 |
| Return on assets (ROA) | 0.0046% | 5,902 |
| Pretax return on assets | -0.0238% | 5,896 |
| Return on Equity (ROE) | 0.0507% | 5,905 |
| Retained earnings to average equity (ytd only) | -3.5673% | 6,057 |
| Net charge-offs to loans | 0.7550% | 2,172 |
| Credit loss provision to net charge-offs | 37.6658% | 5,936 |
| Earnings coverage of net charge-offs (x) | 0.2003% | 5,472 |
| Efficiency ratio | 96.4353% | 1,349 |
| Assets per employee ($millions) | 7.9491% | 505 |
| Cash dividends to net income (ytd only)* | 7,142.8571% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 2,752 |
| Loan loss allowance to noncurrent loans | 35.3523% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 3.9014% | 1,540 |
| Noncurrent loans to loans | 4.5204% | 1,422 |
| Net loans and leases to total assets | 60.2469% | 5,637 |
| Net loans and leases to deposits | 75.4687% | 5,249 |
| Net loans and leases to core deposits | 105.0806% | 3,948 |
| Total domestic deposits to total assets | 79.8304% | 5,531 |
| Equity capital to assets | 8.4802% | 6,076 |
| Core capital (leverage) ratio | 8.2959% | 5,806 |
| Tier 1 risk-based capital ratio | 10.6339% | 6,250 |
| Total risk-based capital ratio | 11.8846% | 6,183 |
| Memoranda: | ||
| Average total assets | $302,710,670 | 2,240 |
| Average earning assets | $277,236,670 | 2,238 |
| Average equity | $27,640,000 | 2,429 |
| Average total loans | $199,730,330 | 2,357 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8388% | 3,099 |
| Cost of funding earning assets | 2.7621% | 1,080 |
| Net interest margin | 3.0766% | 6,266 |
| Noninterest income to average assets | 0.0488% | 7,839 |
| Noninterest expense to average assets | 2.6880% | 5,066 |
| Loan and lease loss provision to assets | 0.1830% | 4,611 |
| Net operating income to assets | -0.0014% | 6,258 |
| Return on assets (ROA) | 0.1206% | 6,085 |
| Pretax return on assets | 0.0976% | 6,175 |
| Return on Equity (ROE) | 1.2724% | 6,047 |
| Retained earnings to average equity (ytd only) | -1.5870% | 6,014 |
| Net charge-offs to loans | 1.2163% | 1,148 |
| Credit loss provision to net charge-offs | 21.9512% | 5,054 |
| Earnings coverage of net charge-offs (x) | 0.1902% | 4,829 |
| Efficiency ratio | 94.4286% | 1,409 |
| Assets per employee ($millions) | 7.6111% | 593 |
| Cash dividends to net income (ytd only)* | 224.7191% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 2,768 |
| Loan loss allowance to noncurrent loans | 42.4292% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 3.6775% | 1,439 |
| Noncurrent loans to loans | 3.6289% | 1,730 |
| Net loans and leases to total assets | 66.8271% | 4,381 |
| Net loans and leases to deposits | 84.8856% | 3,839 |
| Net loans and leases to core deposits | 115.9772% | 2,806 |
| Total domestic deposits to total assets | 78.7261% | 5,820 |
| Equity capital to assets | 9.4285% | 4,772 |
| Core capital (leverage) ratio | 8.7098% | 5,136 |
| Tier 1 risk-based capital ratio | 10.6815% | 6,207 |
| Total risk-based capital ratio | 11.9361% | 6,112 |
| Memoranda: | ||
| Average total assets | $295,084,500 | 2,303 |
| Average earning assets | $268,345,000 | 2,300 |
| Average equity | $27,978,000 | 2,419 |
| Average total loans | $202,258,500 | 2,344 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2032% | 4,499 |
| Cost of funding earning assets | 3.1916% | 1,215 |
| Net interest margin | 3.0116% | 6,880 |
| Noninterest income to average assets | 0.1516% | 7,335 |
| Noninterest expense to average assets | 2.4098% | 6,360 |
| Loan and lease loss provision to assets | 0.6936% | 2,111 |
| Net operating income to assets | 0.0496% | 6,232 |
| Return on assets (ROA) | -0.5512% | 6,846 |
| Pretax return on assets | -1.0708% | 7,045 |
| Return on Equity (ROE) | -5.6617% | 6,929 |
| Retained earnings to average equity (ytd only) | -7.8379% | 6,875 |
| Net charge-offs to loans | 0.5698% | 2,105 |
| Credit loss provision to net charge-offs | 177.7778% | 2,844 |
| Earnings coverage of net charge-offs (x) | 1.4394% | 5,392 |
| Efficiency ratio | 81.0992% | 2,429 |
| Assets per employee ($millions) | 7.1545% | 658 |
| Cash dividends to net income (ytd only)* | -38.4388% | 8,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 1,726 |
| Loan loss allowance to noncurrent loans | 52.3003% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.7576% | 1,712 |
| Noncurrent loans to loans | 3.3721% | 1,528 |
| Net loans and leases to total assets | 68.0002% | 4,465 |
| Net loans and leases to deposits | 86.1894% | 4,093 |
| Net loans and leases to core deposits | 120.8991% | 2,612 |
| Total domestic deposits to total assets | 78.8962% | 5,409 |
| Equity capital to assets | 9.5348% | 4,633 |
| Core capital (leverage) ratio | 8.7492% | 5,115 |
| Tier 1 risk-based capital ratio | 10.7135% | 5,993 |
| Total risk-based capital ratio | 11.9665% | 5,894 |
| Memoranda: | ||
| Average total assets | $306,794,000 | 2,169 |
| Average earning assets | $287,256,200 | 2,119 |
| Average equity | $29,867,600 | 2,268 |
| Average total loans | $210,069,800 | 2,203 |