Home > Encore Bank > Performance and Condition Ratios
Encore Bank, Performance and Condition Ratios
| 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 | 4.3367% | 2,392 |
| Cost of funding earning assets | 0.5049% | 2,757 |
| Net interest margin | 3.8318% | 2,294 |
| Noninterest income to average assets | 0.2254% | 4,670 |
| Noninterest expense to average assets | 2.3746% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0766% | 2,538 |
| Return on assets (ROA) | 1.0766% | 2,548 |
| Pretax return on assets | 1.4286% | 1,905 |
| Return on Equity (ROE) | 10.3406% | 2,256 |
| Retained earnings to average equity (ytd only) | 10.3406% | 1,058 |
| Net charge-offs to loans | 0.0013% | 2,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,388.0000% | 41 |
| Efficiency ratio | 62.3545% | 3,723 |
| Assets per employee ($millions) | 7.6791% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,006 |
| Loan loss allowance to noncurrent loans | 296.2743% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 3,284 |
| Noncurrent loans to loans | 0.3932% | 3,378 |
| Net loans and leases to total assets | 75.8009% | 1,569 |
| Net loans and leases to deposits | 86.4051% | 2,110 |
| Net loans and leases to core deposits | 92.5424% | 2,257 |
| Total domestic deposits to total assets | 87.7273% | 1,775 |
| Equity capital to assets | 10.4253% | 3,148 |
| Core capital (leverage) ratio | 9.7231% | 3,824 |
| Tier 1 risk-based capital ratio | 12.4745% | 4,255 |
| Total risk-based capital ratio | 13.6497% | 4,202 |
| Memoranda: | ||
| Average total assets | $388,619,500 | 1,785 |
| Average earning assets | $362,859,000 | 1,778 |
| Average equity | $40,462,000 | 1,854 |
| Average total loans | $305,633,500 | 1,575 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,161 |
| Cost of funding earning assets | 0.4446% | 2,828 |
| Net interest margin | 3.6284% | 3,069 |
| Noninterest income to average assets | 0.2481% | 4,649 |
| Noninterest expense to average assets | 2.5120% | 3,745 |
| Loan and lease loss provision to assets | 0.0503% | 3,215 |
| Net operating income to assets | 0.7632% | 3,331 |
| Return on assets (ROA) | 0.7646% | 3,359 |
| Pretax return on assets | 1.0718% | 3,292 |
| Return on Equity (ROE) | 7.8840% | 2,848 |
| Retained earnings to average equity (ytd only) | 7.8840% | 805 |
| Net charge-offs to loans | 0.0115% | 3,681 |
| Credit loss provision to net charge-offs | 571.4286% | 562 |
| Earnings coverage of net charge-offs (x) | 127.2000% | 537 |
| Efficiency ratio | 68.3846% | 2,822 |
| Assets per employee ($millions) | 7.5609% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,217 |
| Loan loss allowance to noncurrent loans | 278.6624% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 3,205 |
| Noncurrent loans to loans | 0.4040% | 3,316 |
| Net loans and leases to total assets | 79.7204% | 1,000 |
| Net loans and leases to deposits | 91.8378% | 1,550 |
| Net loans and leases to core deposits | 98.0640% | 1,859 |
| Total domestic deposits to total assets | 86.8057% | 2,085 |
| Equity capital to assets | 10.3979% | 3,273 |
| Core capital (leverage) ratio | 9.3108% | 4,278 |
| Tier 1 risk-based capital ratio | 11.8180% | 4,647 |
| Total risk-based capital ratio | 12.9633% | 4,593 |
| Memoranda: | ||
| Average total assets | $397,451,200 | 1,712 |
| Average earning assets | $370,687,600 | 1,701 |
| Average equity | $38,546,200 | 1,914 |
| Average total loans | $303,474,000 | 1,554 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,309 |
| Cost of funding earning assets | 0.4248% | 2,930 |
| Net interest margin | 3.5877% | 3,201 |
| Noninterest income to average assets | 0.2537% | 4,690 |
| Noninterest expense to average assets | 2.4987% | 3,738 |
| Loan and lease loss provision to assets | 0.0666% | 2,735 |
| Net operating income to assets | 0.6613% | 4,152 |
| Return on assets (ROA) | 0.6630% | 4,201 |
| Pretax return on assets | 1.0376% | 3,534 |
| Return on Equity (ROE) | 6.9567% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.9567% | 1,713 |
| Net charge-offs to loans | -0.0031% | 4,372 |
| Credit loss provision to net charge-offs | -2,857.1429% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6275% | 2,762 |
| Assets per employee ($millions) | 7.3232% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,410 |
| Loan loss allowance to noncurrent loans | 344.8880% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 3,409 |
| Noncurrent loans to loans | 0.3234% | 3,787 |
| Net loans and leases to total assets | 79.4164% | 1,065 |
| Net loans and leases to deposits | 96.3061% | 1,089 |
| Net loans and leases to core deposits | 104.6111% | 1,351 |
| Total domestic deposits to total assets | 82.4625% | 3,639 |
| Equity capital to assets | 9.9278% | 3,998 |
| Core capital (leverage) ratio | 8.8656% | 4,909 |
| Tier 1 risk-based capital ratio | 11.3531% | 5,048 |
| Total risk-based capital ratio | 12.5005% | 5,004 |
| Memoranda: | ||
| Average total assets | $400,412,750 | 1,715 |
| Average earning assets | $373,489,000 | 1,708 |
| Average equity | $38,159,000 | 1,944 |
| Average total loans | $301,616,000 | 1,571 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 3,561 |
| Cost of funding earning assets | 0.4062% | 3,013 |
| Net interest margin | 3.4892% | 3,446 |
| Noninterest income to average assets | 0.2686% | 4,622 |
| Noninterest expense to average assets | 2.5160% | 3,701 |
| Loan and lease loss provision to assets | 0.0995% | 2,027 |
| Net operating income to assets | 0.5825% | 4,379 |
| Return on assets (ROA) | 0.5825% | 4,434 |
| Pretax return on assets | 0.9093% | 3,899 |
| Return on Equity (ROE) | 6.1971% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.1971% | 2,021 |
| Net charge-offs to loans | -0.0034% | 4,251 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5899% | 2,571 |
| Assets per employee ($millions) | 7.4859% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,107 |
| Loan loss allowance to noncurrent loans | 412.1071% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 3,670 |
| Noncurrent loans to loans | 0.2879% | 4,010 |
| Net loans and leases to total assets | 74.3166% | 1,807 |
| Net loans and leases to deposits | 85.1611% | 2,334 |
| Net loans and leases to core deposits | 91.6766% | 2,366 |
| Total domestic deposits to total assets | 87.2659% | 1,822 |
| Equity capital to assets | 9.6896% | 4,235 |
| Core capital (leverage) ratio | 8.4949% | 5,224 |
| Tier 1 risk-based capital ratio | 11.8311% | 4,739 |
| Total risk-based capital ratio | 13.0555% | 4,648 |
| Memoranda: | ||
| Average total assets | $402,065,330 | 1,714 |
| Average earning assets | $375,212,330 | 1,701 |
| Average equity | $37,792,000 | 1,956 |
| Average total loans | $296,288,670 | 1,593 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 3,794 |
| Cost of funding earning assets | 0.3991% | 3,005 |
| Net interest margin | 3.3907% | 3,681 |
| Noninterest income to average assets | 0.2639% | 4,653 |
| Noninterest expense to average assets | 2.5104% | 3,780 |
| Loan and lease loss provision to assets | 0.1235% | 1,556 |
| Net operating income to assets | 0.5159% | 4,535 |
| Return on assets (ROA) | 0.5159% | 4,566 |
| Pretax return on assets | 0.7956% | 4,125 |
| Return on Equity (ROE) | 5.5731% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.5731% | 2,556 |
| Net charge-offs to loans | -0.0014% | 3,978 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3919% | 2,506 |
| Assets per employee ($millions) | 8.0401% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,272 |
| Loan loss allowance to noncurrent loans | 750.7592% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 4,215 |
| Noncurrent loans to loans | 0.1569% | 4,561 |
| Net loans and leases to total assets | 69.4658% | 2,466 |
| Net loans and leases to deposits | 78.8252% | 2,889 |
| Net loans and leases to core deposits | 84.1617% | 2,886 |
| Total domestic deposits to total assets | 88.1263% | 1,641 |
| Equity capital to assets | 9.0123% | 4,795 |
| Core capital (leverage) ratio | 8.6542% | 5,097 |
| Tier 1 risk-based capital ratio | 11.9640% | 4,740 |
| Total risk-based capital ratio | 13.1988% | 4,654 |
| Memoranda: | ||
| Average total assets | $404,721,000 | 1,709 |
| Average earning assets | $377,853,500 | 1,701 |
| Average equity | $37,466,000 | 1,972 |
| Average total loans | $295,236,000 | 1,607 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 3,719 |
| Cost of funding earning assets | 0.4879% | 2,184 |
| Net interest margin | 3.3695% | 3,925 |
| Noninterest income to average assets | 0.2605% | 4,870 |
| Noninterest expense to average assets | 2.4549% | 4,147 |
| Loan and lease loss provision to assets | 0.1343% | 1,856 |
| Net operating income to assets | 0.5098% | 4,592 |
| Return on assets (ROA) | 0.5135% | 4,660 |
| Pretax return on assets | 0.7795% | 4,240 |
| Return on Equity (ROE) | 5.3121% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.3121% | 2,123 |
| Net charge-offs to loans | -0.0094% | 4,927 |
| Credit loss provision to net charge-offs | -2,032.0000% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0969% | 2,575 |
| Assets per employee ($millions) | 7.5342% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,578 |
| Loan loss allowance to noncurrent loans | 2,711.3821% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 4,129 |
| Noncurrent loans to loans | 0.0415% | 5,084 |
| Net loans and leases to total assets | 74.8507% | 1,713 |
| Net loans and leases to deposits | 85.8340% | 2,197 |
| Net loans and leases to core deposits | 91.1547% | 2,381 |
| Total domestic deposits to total assets | 87.2040% | 2,023 |
| Equity capital to assets | 9.5561% | 4,213 |
| Core capital (leverage) ratio | 8.7779% | 4,992 |
| Tier 1 risk-based capital ratio | 11.5763% | 5,003 |
| Total risk-based capital ratio | 12.7328% | 4,970 |
| Memoranda: | ||
| Average total assets | $378,189,600 | 1,774 |
| Average earning assets | $348,242,000 | 1,787 |
| Average equity | $36,557,800 | 2,000 |
| Average total loans | $267,155,000 | 1,691 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 3,804 |
| Cost of funding earning assets | 0.5031% | 2,079 |
| Net interest margin | 3.3352% | 4,076 |
| Noninterest income to average assets | 0.2668% | 4,863 |
| Noninterest expense to average assets | 2.5674% | 3,773 |
| Loan and lease loss provision to assets | 0.1352% | 1,737 |
| Net operating income to assets | 0.4205% | 4,960 |
| Return on assets (ROA) | 0.4255% | 5,032 |
| Pretax return on assets | 0.6350% | 4,778 |
| Return on Equity (ROE) | 4.3884% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.3884% | 3,214 |
| Net charge-offs to loans | -0.0123% | 4,848 |
| Credit loss provision to net charge-offs | -1,583.3333% | 5,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1778% | 1,952 |
| Assets per employee ($millions) | 6.7014% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,652 |
| Loan loss allowance to noncurrent loans | 679.2373% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 3,210 |
| Noncurrent loans to loans | 0.1669% | 4,690 |
| Net loans and leases to total assets | 73.1827% | 1,999 |
| Net loans and leases to deposits | 86.1664% | 2,240 |
| Net loans and leases to core deposits | 91.8534% | 2,395 |
| Total domestic deposits to total assets | 84.9318% | 2,831 |
| Equity capital to assets | 9.7650% | 4,405 |
| Core capital (leverage) ratio | 8.6895% | 5,161 |
| Tier 1 risk-based capital ratio | 11.8246% | 4,902 |
| Total risk-based capital ratio | 12.9868% | 4,860 |
| Memoranda: | ||
| Average total assets | $374,792,000 | 1,787 |
| Average earning assets | $344,243,250 | 1,808 |
| Average equity | $36,337,500 | 2,016 |
| Average total loans | $259,797,500 | 1,735 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 3,841 |
| Cost of funding earning assets | 0.5217% | 1,927 |
| Net interest margin | 3.3102% | 4,195 |
| Noninterest income to average assets | 0.2755% | 4,814 |
| Noninterest expense to average assets | 2.5870% | 3,767 |
| Loan and lease loss provision to assets | 0.1396% | 1,626 |
| Net operating income to assets | 0.3978% | 5,037 |
| Return on assets (ROA) | 0.3974% | 5,118 |
| Pretax return on assets | 0.5849% | 4,925 |
| Return on Equity (ROE) | 4.1092% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.1092% | 3,290 |
| Net charge-offs to loans | -0.0190% | 4,925 |
| Credit loss provision to net charge-offs | -1,083.3333% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1850% | 1,900 |
| Assets per employee ($millions) | 7.1044% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 3,339 |
| Loan loss allowance to noncurrent loans | 1,659.1398% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 2,835 |
| Noncurrent loans to loans | 0.0725% | 5,158 |
| Net loans and leases to total assets | 66.0417% | 3,076 |
| Net loans and leases to deposits | 75.2003% | 3,461 |
| Net loans and leases to core deposits | 80.2466% | 3,436 |
| Total domestic deposits to total assets | 87.8211% | 1,516 |
| Equity capital to assets | 9.6755% | 4,579 |
| Core capital (leverage) ratio | 8.6558% | 5,209 |
| Tier 1 risk-based capital ratio | 12.4184% | 4,581 |
| Total risk-based capital ratio | 13.6095% | 4,530 |
| Memoranda: | ||
| Average total assets | $372,397,000 | 1,800 |
| Average earning assets | $341,606,000 | 1,822 |
| Average equity | $36,016,670 | 2,036 |
| Average total loans | $252,147,670 | 1,784 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 3,470 |
| Cost of funding earning assets | 0.5467% | 1,743 |
| Net interest margin | 3.3816% | 3,932 |
| Noninterest income to average assets | 0.2301% | 5,095 |
| Noninterest expense to average assets | 2.6054% | 3,735 |
| Loan and lease loss provision to assets | 0.1472% | 1,433 |
| Net operating income to assets | 0.3951% | 5,009 |
| Return on assets (ROA) | 0.3959% | 5,084 |
| Pretax return on assets | 0.5747% | 4,890 |
| Return on Equity (ROE) | 4.0941% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.0941% | 3,445 |
| Net charge-offs to loans | 0.0304% | 2,344 |
| Credit loss provision to net charge-offs | 710.5263% | 480 |
| Earnings coverage of net charge-offs (x) | 34.7895% | 1,093 |
| Efficiency ratio | 77.3770% | 1,981 |
| Assets per employee ($millions) | 6.9949% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,686 |
| Loan loss allowance to noncurrent loans | 394.3243% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 2,553 |
| Noncurrent loans to loans | 0.2953% | 4,372 |
| Net loans and leases to total assets | 65.5614% | 3,019 |
| Net loans and leases to deposits | 74.2547% | 3,407 |
| Net loans and leases to core deposits | 80.6379% | 3,271 |
| Total domestic deposits to total assets | 88.2926% | 1,477 |
| Equity capital to assets | 9.6996% | 4,449 |
| Core capital (leverage) ratio | 8.7634% | 5,106 |
| Tier 1 risk-based capital ratio | 12.5758% | 4,532 |
| Total risk-based capital ratio | 13.7370% | 4,493 |
| Memoranda: | ||
| Average total assets | $366,776,500 | 1,830 |
| Average earning assets | $335,818,000 | 1,849 |
| Average equity | $35,465,500 | 2,061 |
| Average total loans | $249,998,000 | 1,799 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 4,028 |
| Cost of funding earning assets | 0.5491% | 1,765 |
| Net interest margin | 3.2561% | 4,449 |
| Noninterest income to average assets | 0.2545% | 5,070 |
| Noninterest expense to average assets | 2.6987% | 3,582 |
| Loan and lease loss provision to assets | 0.1461% | 1,621 |
| Net operating income to assets | 0.4809% | 4,762 |
| Return on assets (ROA) | 0.5096% | 4,744 |
| Pretax return on assets | 0.4029% | 5,315 |
| Return on Equity (ROE) | 5.3402% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.3402% | 2,177 |
| Net charge-offs to loans | -0.0270% | 5,362 |
| Credit loss provision to net charge-offs | -844.2623% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7942% | 1,298 |
| Assets per employee ($millions) | 6.5894% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,908 |
| Loan loss allowance to noncurrent loans | 337.9976% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 2,363 |
| Noncurrent loans to loans | 0.3324% | 4,268 |
| Net loans and leases to total assets | 69.3128% | 2,486 |
| Net loans and leases to deposits | 78.9751% | 2,942 |
| Net loans and leases to core deposits | 85.7430% | 2,812 |
| Total domestic deposits to total assets | 87.7654% | 1,768 |
| Equity capital to assets | 9.6376% | 4,389 |
| Core capital (leverage) ratio | 8.7064% | 5,207 |
| Tier 1 risk-based capital ratio | 11.8744% | 5,027 |
| Total risk-based capital ratio | 12.9968% | 5,025 |
| Memoranda: | ||
| Average total assets | $352,432,600 | 1,854 |
| Average earning assets | $320,870,200 | 1,888 |
| Average equity | $33,632,000 | 2,117 |
| Average total loans | $225,860,400 | 1,889 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 4,163 |
| Cost of funding earning assets | 0.5536% | 1,771 |
| Net interest margin | 3.2253% | 4,593 |
| Noninterest income to average assets | 0.2696% | 5,004 |
| Noninterest expense to average assets | 2.7376% | 3,438 |
| Loan and lease loss provision to assets | 0.1365% | 1,642 |
| Net operating income to assets | 0.5275% | 4,694 |
| Return on assets (ROA) | 0.5658% | 4,631 |
| Pretax return on assets | 0.3678% | 5,533 |
| Return on Equity (ROE) | 5.9440% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.9440% | 2,282 |
| Net charge-offs to loans | -0.0358% | 5,422 |
| Credit loss provision to net charge-offs | -610.1695% | 5,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3987% | 1,132 |
| Assets per employee ($millions) | 6.3214% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 3,646 |
| Loan loss allowance to noncurrent loans | 508.6538% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 2.0135% | 1,014 |
| Noncurrent loans to loans | 0.2363% | 4,723 |
| Net loans and leases to total assets | 63.6945% | 3,353 |
| Net loans and leases to deposits | 72.5486% | 3,701 |
| Net loans and leases to core deposits | 78.8333% | 3,525 |
| Total domestic deposits to total assets | 87.7956% | 1,659 |
| Equity capital to assets | 10.0304% | 4,120 |
| Core capital (leverage) ratio | 8.7235% | 5,323 |
| Tier 1 risk-based capital ratio | 13.0879% | 4,382 |
| Total risk-based capital ratio | 14.2741% | 4,339 |
| Memoranda: | ||
| Average total assets | $351,584,250 | 1,871 |
| Average earning assets | $319,833,750 | 1,904 |
| Average equity | $33,466,750 | 2,134 |
| Average total loans | $219,966,750 | 1,932 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7646% | 4,193 |
| Cost of funding earning assets | 0.5620% | 1,712 |
| Net interest margin | 3.2026% | 4,653 |
| Noninterest income to average assets | 0.2580% | 5,110 |
| Noninterest expense to average assets | 2.7048% | 3,578 |
| Loan and lease loss provision to assets | 0.1442% | 1,494 |
| Net operating income to assets | 0.6671% | 4,046 |
| Return on assets (ROA) | 0.7240% | 3,893 |
| Pretax return on assets | 0.3809% | 5,512 |
| Return on Equity (ROE) | 7.7388% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.7388% | 1,371 |
| Net charge-offs to loans | -0.0036% | 4,670 |
| Credit loss provision to net charge-offs | -6,400.0000% | 5,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1974% | 1,241 |
| Assets per employee ($millions) | 6.3034% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 4,284 |
| Loan loss allowance to noncurrent loans | 333.2440% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 2.0477% | 1,062 |
| Noncurrent loans to loans | 0.3324% | 4,495 |
| Net loans and leases to total assets | 64.0081% | 3,263 |
| Net loans and leases to deposits | 71.4340% | 3,766 |
| Net loans and leases to core deposits | 76.3794% | 3,725 |
| Total domestic deposits to total assets | 89.6045% | 840 |
| Equity capital to assets | 9.7549% | 4,336 |
| Core capital (leverage) ratio | 8.3222% | 5,699 |
| Tier 1 risk-based capital ratio | 12.9003% | 4,575 |
| Total risk-based capital ratio | 14.0109% | 4,563 |
| Memoranda: | ||
| Average total assets | $354,994,670 | 1,873 |
| Average earning assets | $323,113,330 | 1,899 |
| Average equity | $33,209,330 | 2,160 |
| Average total loans | $219,933,000 | 1,942 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7092% | 4,330 |
| Cost of funding earning assets | 0.5664% | 1,691 |
| Net interest margin | 3.1428% | 4,811 |
| Noninterest income to average assets | 0.2907% | 4,848 |
| Noninterest expense to average assets | 2.6541% | 3,735 |
| Loan and lease loss provision to assets | 0.1515% | 1,346 |
| Net operating income to assets | 0.3464% | 5,259 |
| Return on assets (ROA) | 0.4288% | 5,076 |
| Pretax return on assets | 0.4288% | 5,367 |
| Return on Equity (ROE) | 4.6802% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.6802% | 3,222 |
| Net charge-offs to loans | 0.0864% | 1,856 |
| Credit loss provision to net charge-offs | 289.3617% | 832 |
| Earnings coverage of net charge-offs (x) | 9.5106% | 2,003 |
| Efficiency ratio | 83.1449% | 1,468 |
| Assets per employee ($millions) | 7.0026% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 4,755 |
| Loan loss allowance to noncurrent loans | 176.4482% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 2.4502% | 882 |
| Noncurrent loans to loans | 0.5958% | 3,792 |
| Net loans and leases to total assets | 59.8357% | 3,679 |
| Net loans and leases to deposits | 66.1919% | 4,136 |
| Net loans and leases to core deposits | 70.7294% | 4,086 |
| Total domestic deposits to total assets | 90.3972% | 565 |
| Equity capital to assets | 9.1214% | 5,172 |
| Core capital (leverage) ratio | 8.1446% | 5,851 |
| Tier 1 risk-based capital ratio | 12.7426% | 4,758 |
| Total risk-based capital ratio | 13.7749% | 4,800 |
| Memoranda: | ||
| Average total assets | $359,147,500 | 1,844 |
| Average earning assets | $326,972,000 | 1,884 |
| Average equity | $32,904,500 | 2,189 |
| Average total loans | $217,702,000 | 1,956 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 4,633 |
| Cost of funding earning assets | 0.5835% | 1,917 |
| Net interest margin | 3.1702% | 5,015 |
| Noninterest income to average assets | 0.2471% | 5,360 |
| Noninterest expense to average assets | 3.5003% | 1,479 |
| Loan and lease loss provision to assets | 0.1538% | 1,709 |
| Net operating income to assets | -0.5233% | 6,300 |
| Return on assets (ROA) | -0.5160% | 6,299 |
| Pretax return on assets | -0.5160% | 6,293 |
| Return on Equity (ROE) | -5.3187% | 6,293 |
| Retained earnings to average equity (ytd only) | -5.3187% | 6,188 |
| Net charge-offs to loans | 0.0365% | 4,108 |
| Credit loss provision to net charge-offs | 747.8873% | 363 |
| Earnings coverage of net charge-offs (x) | -17.9577% | 4,932 |
| Efficiency ratio | 109.6983% | 226 |
| Assets per employee ($millions) | 6.8108% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 4,882 |
| Loan loss allowance to noncurrent loans | 101.8307% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 2.5209% | 914 |
| Noncurrent loans to loans | 1.0153% | 2,794 |
| Net loans and leases to total assets | 60.1371% | 3,771 |
| Net loans and leases to deposits | 68.5491% | 4,073 |
| Net loans and leases to core deposits | 73.2645% | 3,995 |
| Total domestic deposits to total assets | 87.7285% | 1,909 |
| Equity capital to assets | 9.2034% | 5,069 |
| Core capital (leverage) ratio | 8.3206% | 5,759 |
| Tier 1 risk-based capital ratio | 12.9537% | 4,748 |
| Total risk-based capital ratio | 13.9868% | 4,803 |
| Memoranda: | ||
| Average total assets | $345,144,600 | 1,886 |
| Average earning assets | $313,952,000 | 1,911 |
| Average equity | $33,485,800 | 2,081 |
| Average total loans | $194,764,800 | 2,074 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,706 |
| Cost of funding earning assets | 0.5851% | 1,968 |
| Net interest margin | 3.1669% | 5,069 |
| Noninterest income to average assets | 0.2718% | 5,270 |
| Noninterest expense to average assets | 3.8235% | 940 |
| Loan and lease loss provision to assets | 0.1664% | 1,486 |
| Net operating income to assets | -0.8368% | 6,442 |
| Return on assets (ROA) | -0.8216% | 6,436 |
| Pretax return on assets | -0.8216% | 6,422 |
| Return on Equity (ROE) | -8.3577% | 6,424 |
| Retained earnings to average equity (ytd only) | -8.3577% | 6,351 |
| Net charge-offs to loans | 0.0401% | 3,703 |
| Credit loss provision to net charge-offs | 750.8772% | 412 |
| Earnings coverage of net charge-offs (x) | -30.2449% | 4,664 |
| Efficiency ratio | 119.1516% | 136 |
| Assets per employee ($millions) | 6.5757% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,973 |
| Loan loss allowance to noncurrent loans | 82.5667% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.8456% | 849 |
| Noncurrent loans to loans | 1.2762% | 2,506 |
| Net loans and leases to total assets | 61.0070% | 3,625 |
| Net loans and leases to deposits | 70.3087% | 3,886 |
| Net loans and leases to core deposits | 73.4126% | 4,006 |
| Total domestic deposits to total assets | 86.7702% | 2,435 |
| Equity capital to assets | 9.8012% | 4,421 |
| Core capital (leverage) ratio | 8.2718% | 5,864 |
| Tier 1 risk-based capital ratio | 12.9644% | 4,887 |
| Total risk-based capital ratio | 13.9708% | 4,935 |
| Memoranda: | ||
| Average total assets | $342,890,500 | 1,906 |
| Average earning assets | $311,972,250 | 1,932 |
| Average equity | $33,708,500 | 2,071 |
| Average total loans | $189,654,250 | 2,134 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 5,050 |
| Cost of funding earning assets | 0.5832% | 2,048 |
| Net interest margin | 3.0538% | 5,388 |
| Noninterest income to average assets | 0.2975% | 5,031 |
| Noninterest expense to average assets | 2.6071% | 4,217 |
| Loan and lease loss provision to assets | 0.1686% | 1,454 |
| Net operating income to assets | 0.3055% | 5,549 |
| Return on assets (ROA) | 0.3234% | 5,560 |
| Pretax return on assets | 0.3234% | 5,738 |
| Return on Equity (ROE) | 3.2863% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.2863% | 4,112 |
| Net charge-offs to loans | 0.0529% | 3,210 |
| Credit loss provision to net charge-offs | 597.9592% | 510 |
| Earnings coverage of net charge-offs (x) | 16.8163% | 1,767 |
| Efficiency ratio | 82.4837% | 1,691 |
| Assets per employee ($millions) | 6.6932% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 5,315 |
| Loan loss allowance to noncurrent loans | 130.7943% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 2,826 |
| Noncurrent loans to loans | 0.7695% | 3,783 |
| Net loans and leases to total assets | 57.8879% | 4,007 |
| Net loans and leases to deposits | 66.9024% | 4,171 |
| Net loans and leases to core deposits | 70.1997% | 4,246 |
| Total domestic deposits to total assets | 86.5259% | 2,744 |
| Equity capital to assets | 10.1617% | 3,885 |
| Core capital (leverage) ratio | 8.7889% | 5,282 |
| Tier 1 risk-based capital ratio | 14.0329% | 4,244 |
| Total risk-based capital ratio | 14.9687% | 4,384 |
| Memoranda: | ||
| Average total assets | $347,591,670 | 1,879 |
| Average earning assets | $316,851,000 | 1,893 |
| Average equity | $34,203,000 | 2,031 |
| Average total loans | $185,299,330 | 2,176 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6043% | 5,154 |
| Cost of funding earning assets | 0.5782% | 2,169 |
| Net interest margin | 3.0261% | 5,459 |
| Noninterest income to average assets | 0.3216% | 4,793 |
| Noninterest expense to average assets | 2.4921% | 4,650 |
| Loan and lease loss provision to assets | 0.2019% | 1,153 |
| Net operating income to assets | 0.3855% | 5,165 |
| Return on assets (ROA) | 0.3855% | 5,235 |
| Pretax return on assets | 0.3855% | 5,498 |
| Return on Equity (ROE) | 3.9810% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.9810% | 3,726 |
| Net charge-offs to loans | 0.0943% | 2,221 |
| Credit loss provision to net charge-offs | 421.4286% | 630 |
| Earnings coverage of net charge-offs (x) | 12.2619% | 1,731 |
| Efficiency ratio | 78.8148% | 2,357 |
| Assets per employee ($millions) | 6.8951% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 5,343 |
| Loan loss allowance to noncurrent loans | 75.1087% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2276% | 2,805 |
| Noncurrent loans to loans | 1.3877% | 2,705 |
| Net loans and leases to total assets | 51.3269% | 4,747 |
| Net loans and leases to deposits | 58.8420% | 4,861 |
| Net loans and leases to core deposits | 61.6283% | 4,913 |
| Total domestic deposits to total assets | 87.2283% | 2,682 |
| Equity capital to assets | 9.7554% | 4,159 |
| Core capital (leverage) ratio | 8.5871% | 5,536 |
| Tier 1 risk-based capital ratio | 14.4485% | 4,030 |
| Total risk-based capital ratio | 15.3688% | 4,199 |
| Memoranda: | ||
| Average total assets | $350,712,000 | 1,872 |
| Average earning assets | $319,618,500 | 1,889 |
| Average equity | $33,961,000 | 2,036 |
| Average total loans | $178,144,000 | 2,250 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5092% | 5,621 |
| Cost of funding earning assets | 0.6084% | 2,586 |
| Net interest margin | 2.9008% | 5,785 |
| Noninterest income to average assets | 0.4398% | 4,162 |
| Noninterest expense to average assets | 2.8321% | 3,609 |
| Loan and lease loss provision to assets | 0.2762% | 1,268 |
| Net operating income to assets | -0.0673% | 6,270 |
| Return on assets (ROA) | -0.0442% | 6,286 |
| Pretax return on assets | -0.0442% | 6,259 |
| Return on Equity (ROE) | -0.4289% | 6,292 |
| Retained earnings to average equity (ytd only) | -0.4289% | 5,958 |
| Net charge-offs to loans | 0.1743% | 3,088 |
| Credit loss provision to net charge-offs | 337.6812% | 675 |
| Earnings coverage of net charge-offs (x) | 2.5543% | 4,158 |
| Efficiency ratio | 90.8099% | 964 |
| Assets per employee ($millions) | 7.2869% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 5,484 |
| Loan loss allowance to noncurrent loans | 51.8801% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 2,485 |
| Noncurrent loans to loans | 1.9575% | 2,033 |
| Net loans and leases to total assets | 49.2118% | 5,171 |
| Net loans and leases to deposits | 56.3349% | 5,273 |
| Net loans and leases to core deposits | 58.9622% | 5,309 |
| Total domestic deposits to total assets | 87.3558% | 2,551 |
| Equity capital to assets | 9.6111% | 4,271 |
| Core capital (leverage) ratio | 8.8890% | 5,154 |
| Tier 1 risk-based capital ratio | 14.2222% | 4,137 |
| Total risk-based capital ratio | 15.0750% | 4,370 |
| Memoranda: | ||
| Average total assets | $337,415,600 | 1,902 |
| Average earning assets | $302,576,200 | 1,959 |
| Average equity | $34,742,600 | 1,984 |
| Average total loans | $158,362,400 | 2,447 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3464% | 5,979 |
| Cost of funding earning assets | 0.6228% | 2,624 |
| Net interest margin | 2.7236% | 6,132 |
| Noninterest income to average assets | 0.4171% | 4,392 |
| Noninterest expense to average assets | 2.6018% | 4,385 |
| Loan and lease loss provision to assets | 0.2828% | 1,224 |
| Net operating income to assets | -0.0363% | 6,330 |
| Return on assets (ROA) | 0.0694% | 6,248 |
| Pretax return on assets | 0.0694% | 6,239 |
| Return on Equity (ROE) | 0.6624% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.6624% | 5,701 |
| Net charge-offs to loans | 0.2115% | 2,559 |
| Credit loss provision to net charge-offs | 289.3878% | 879 |
| Earnings coverage of net charge-offs (x) | 2.5224% | 3,992 |
| Efficiency ratio | 88.8547% | 1,099 |
| Assets per employee ($millions) | 6.8524% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 5,940 |
| Loan loss allowance to noncurrent loans | 49.7000% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 1.6092% | 2,537 |
| Noncurrent loans to loans | 1.8982% | 2,372 |
| Net loans and leases to total assets | 50.2449% | 5,112 |
| Net loans and leases to deposits | 58.1252% | 5,176 |
| Net loans and leases to core deposits | 60.8351% | 5,238 |
| Total domestic deposits to total assets | 86.4425% | 2,996 |
| Equity capital to assets | 10.2473% | 3,581 |
| Core capital (leverage) ratio | 9.2376% | 4,775 |
| Tier 1 risk-based capital ratio | 15.9203% | 3,243 |
| Total risk-based capital ratio | 16.7635% | 3,424 |
| Memoranda: | ||
| Average total assets | $334,326,500 | 1,932 |
| Average earning assets | $298,424,500 | 1,995 |
| Average equity | $35,024,000 | 1,984 |
| Average total loans | $154,479,250 | 2,509 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 6,126 |
| Cost of funding earning assets | 0.5769% | 3,151 |
| Net interest margin | 2.6971% | 6,180 |
| Noninterest income to average assets | 0.3921% | 4,582 |
| Noninterest expense to average assets | 2.6133% | 4,334 |
| Loan and lease loss provision to assets | 0.2791% | 1,316 |
| Net operating income to assets | -0.1053% | 6,407 |
| Return on assets (ROA) | 0.2523% | 5,899 |
| Pretax return on assets | 0.2523% | 5,999 |
| Return on Equity (ROE) | 2.3912% | 5,837 |
| Retained earnings to average equity (ytd only) | 2.3912% | 4,777 |
| Net charge-offs to loans | 0.0559% | 3,899 |
| Credit loss provision to net charge-offs | 1,116.6667% | 274 |
| Earnings coverage of net charge-offs (x) | 6.9524% | 2,621 |
| Efficiency ratio | 91.2254% | 959 |
| Assets per employee ($millions) | 6.6934% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 5,996 |
| Loan loss allowance to noncurrent loans | 57.5440% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.4626% | 2,911 |
| Noncurrent loans to loans | 1.6482% | 2,843 |
| Net loans and leases to total assets | 48.9432% | 5,229 |
| Net loans and leases to deposits | 56.7123% | 5,275 |
| Net loans and leases to core deposits | 59.7712% | 5,277 |
| Total domestic deposits to total assets | 86.3008% | 3,206 |
| Equity capital to assets | 10.4230% | 3,399 |
| Core capital (leverage) ratio | 9.2813% | 4,575 |
| Tier 1 risk-based capital ratio | 16.6383% | 2,871 |
| Total risk-based capital ratio | 17.4934% | 3,016 |
| Memoranda: | ||
| Average total assets | $336,129,670 | 1,931 |
| Average earning assets | $298,472,670 | 1,994 |
| Average equity | $35,463,670 | 1,961 |
| Average total loans | $150,359,670 | 2,569 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2629% | 6,220 |
| Cost of funding earning assets | 0.5950% | 3,153 |
| Net interest margin | 2.6679% | 6,274 |
| Noninterest income to average assets | 0.3092% | 5,215 |
| Noninterest expense to average assets | 2.5925% | 4,425 |
| Loan and lease loss provision to assets | 0.2716% | 1,305 |
| Net operating income to assets | -0.2140% | 6,526 |
| Return on assets (ROA) | 0.2046% | 5,986 |
| Pretax return on assets | 0.2046% | 6,069 |
| Return on Equity (ROE) | 1.9278% | 5,961 |
| Retained earnings to average equity (ytd only) | 1.9278% | 5,037 |
| Net charge-offs to loans | -0.0332% | 5,941 |
| Credit loss provision to net charge-offs | -1,925.0000% | 5,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2085% | 765 |
| Assets per employee ($millions) | 6.8073% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 6,286 |
| Loan loss allowance to noncurrent loans | 24.7575% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 2.3232% | 1,999 |
| Noncurrent loans to loans | 3.5933% | 1,326 |
| Net loans and leases to total assets | 46.1312% | 5,426 |
| Net loans and leases to deposits | 52.9467% | 5,526 |
| Net loans and leases to core deposits | 56.1146% | 5,510 |
| Total domestic deposits to total assets | 87.1275% | 2,888 |
| Equity capital to assets | 10.9652% | 2,991 |
| Core capital (leverage) ratio | 9.0124% | 4,862 |
| Tier 1 risk-based capital ratio | 18.1315% | 2,305 |
| Total risk-based capital ratio | 18.9603% | 2,441 |
| Memoranda: | ||
| Average total assets | $340,206,500 | 1,936 |
| Average earning assets | $298,509,500 | 2,017 |
| Average equity | $36,103,000 | 1,955 |
| Average total loans | $144,510,000 | 2,655 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 6,132 |
| Cost of funding earning assets | 0.6393% | 4,010 |
| Net interest margin | 3.0108% | 6,028 |
| Noninterest income to average assets | 0.3511% | 4,957 |
| Noninterest expense to average assets | 3.0700% | 3,013 |
| Loan and lease loss provision to assets | 0.3313% | 2,052 |
| Net operating income to assets | -0.3764% | 6,502 |
| Return on assets (ROA) | 0.2673% | 5,796 |
| Pretax return on assets | 0.2673% | 5,885 |
| Return on Equity (ROE) | 2.2265% | 5,839 |
| Retained earnings to average equity (ytd only) | 2.2265% | 4,671 |
| Net charge-offs to loans | 0.4561% | 2,410 |
| Credit loss provision to net charge-offs | 173.8281% | 1,517 |
| Earnings coverage of net charge-offs (x) | -0.2363% | 5,587 |
| Efficiency ratio | 93.5877% | 822 |
| Assets per employee ($millions) | 7.3680% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 6,468 |
| Loan loss allowance to noncurrent loans | 15.1000% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 2.3296% | 2,106 |
| Noncurrent loans to loans | 5.3683% | 702 |
| Net loans and leases to total assets | 38.4047% | 6,272 |
| Net loans and leases to deposits | 43.7335% | 6,384 |
| Net loans and leases to core deposits | 45.9125% | 6,377 |
| Total domestic deposits to total assets | 87.8155% | 2,338 |
| Equity capital to assets | 10.2858% | 3,778 |
| Core capital (leverage) ratio | 11.9356% | 1,602 |
| Tier 1 risk-based capital ratio | 18.5781% | 2,079 |
| Total risk-based capital ratio | 19.2803% | 2,226 |
| Memoranda: | ||
| Average total assets | $268,601,000 | 2,353 |
| Average earning assets | $238,539,400 | 2,429 |
| Average equity | $32,248,000 | 2,127 |
| Average total loans | $112,259,200 | 3,247 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 5,596 |
| Cost of funding earning assets | 0.7081% | 3,692 |
| Net interest margin | 3.2635% | 5,502 |
| Noninterest income to average assets | 0.3924% | 4,690 |
| Noninterest expense to average assets | 3.2117% | 2,527 |
| Loan and lease loss provision to assets | 0.3714% | 1,744 |
| Net operating income to assets | -0.2593% | 6,540 |
| Return on assets (ROA) | 0.3218% | 5,743 |
| Pretax return on assets | 0.3218% | 5,916 |
| Return on Equity (ROE) | 2.5499% | 5,861 |
| Retained earnings to average equity (ytd only) | 2.5499% | 5,041 |
| Net charge-offs to loans | 0.3808% | 2,573 |
| Credit loss provision to net charge-offs | 227.3927% | 1,215 |
| Earnings coverage of net charge-offs (x) | 0.6865% | 4,980 |
| Efficiency ratio | 88.8258% | 1,125 |
| Assets per employee ($millions) | 5.7621% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,074 |
| Loan loss allowance to noncurrent loans | 18.1199% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 2.7809% | 1,893 |
| Noncurrent loans to loans | 5.5251% | 779 |
| Net loans and leases to total assets | 45.6820% | 5,798 |
| Net loans and leases to deposits | 54.3591% | 5,774 |
| Net loans and leases to core deposits | 58.4582% | 5,705 |
| Total domestic deposits to total assets | 84.0374% | 4,203 |
| Equity capital to assets | 13.0875% | 1,552 |
| Core capital (leverage) ratio | 10.2783% | 3,193 |
| Tier 1 risk-based capital ratio | 20.6776% | 1,601 |
| Total risk-based capital ratio | 21.6146% | 1,638 |
| Memoranda: | ||
| Average total assets | $247,335,750 | 2,581 |
| Average earning assets | $222,169,500 | 2,617 |
| Average equity | $31,215,750 | 2,205 |
| Average total loans | $106,090,750 | 3,411 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 5,787 |
| Cost of funding earning assets | 0.7430% | 3,662 |
| Net interest margin | 3.2043% | 5,728 |
| Noninterest income to average assets | 0.4191% | 4,514 |
| Noninterest expense to average assets | 3.0765% | 2,994 |
| Loan and lease loss provision to assets | 0.3830% | 1,706 |
| Net operating income to assets | -0.1525% | 6,491 |
| Return on assets (ROA) | 0.0401% | 6,411 |
| Pretax return on assets | 0.0401% | 6,403 |
| Return on Equity (ROE) | 0.3219% | 6,418 |
| Retained earnings to average equity (ytd only) | 0.3219% | 5,935 |
| Net charge-offs to loans | 0.4164% | 2,371 |
| Credit loss provision to net charge-offs | 219.8157% | 1,296 |
| Earnings coverage of net charge-offs (x) | 1.3226% | 4,340 |
| Efficiency ratio | 85.1177% | 1,523 |
| Assets per employee ($millions) | 6.0860% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 6,466 |
| Loan loss allowance to noncurrent loans | 52.4287% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 4,158 |
| Noncurrent loans to loans | 1.7099% | 3,329 |
| Net loans and leases to total assets | 43.9940% | 6,013 |
| Net loans and leases to deposits | 52.0214% | 6,026 |
| Net loans and leases to core deposits | 55.4878% | 5,983 |
| Total domestic deposits to total assets | 84.5691% | 4,067 |
| Equity capital to assets | 12.5791% | 1,766 |
| Core capital (leverage) ratio | 9.6895% | 3,851 |
| Tier 1 risk-based capital ratio | 18.5337% | 2,122 |
| Total risk-based capital ratio | 19.2954% | 2,247 |
| Memoranda: | ||
| Average total assets | $249,111,000 | 2,557 |
| Average earning assets | $224,507,670 | 2,590 |
| Average equity | $31,063,330 | 2,199 |
| Average total loans | $104,230,000 | 3,470 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 6,041 |
| Cost of funding earning assets | 0.7577% | 3,805 |
| Net interest margin | 3.1309% | 5,956 |
| Noninterest income to average assets | 0.1398% | 6,545 |
| Noninterest expense to average assets | 2.6356% | 4,682 |
| Loan and lease loss provision to assets | 0.3246% | 1,933 |
| Net operating income to assets | -0.0048% | 6,424 |
| Return on assets (ROA) | -0.0048% | 6,537 |
| Pretax return on assets | -0.0048% | 6,534 |
| Return on Equity (ROE) | -0.0388% | 6,538 |
| Retained earnings to average equity (ytd only) | -0.0388% | 5,994 |
| Net charge-offs to loans | 0.1466% | 3,218 |
| Credit loss provision to net charge-offs | 545.9459% | 614 |
| Earnings coverage of net charge-offs (x) | 5.3784% | 2,389 |
| Efficiency ratio | 88.5808% | 1,218 |
| Assets per employee ($millions) | 6.6172% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 6,686 |
| Loan loss allowance to noncurrent loans | 32.4765% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 4,026 |
| Noncurrent loans to loans | 2.5592% | 2,548 |
| Net loans and leases to total assets | 41.4718% | 6,239 |
| Net loans and leases to deposits | 48.6374% | 6,255 |
| Net loans and leases to core deposits | 51.8572% | 6,220 |
| Total domestic deposits to total assets | 85.2673% | 3,898 |
| Equity capital to assets | 12.0377% | 2,011 |
| Core capital (leverage) ratio | 9.9885% | 3,379 |
| Tier 1 risk-based capital ratio | 20.9695% | 1,501 |
| Total risk-based capital ratio | 21.7504% | 1,563 |
| Memoranda: | ||
| Average total assets | $248,904,000 | 2,571 |
| Average earning assets | $223,836,500 | 2,617 |
| Average equity | $30,901,000 | 2,212 |
| Average total loans | $100,960,500 | 3,571 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 6,575 |
| Cost of funding earning assets | 0.9671% | 3,596 |
| Net interest margin | 2.9618% | 6,584 |
| Noninterest income to average assets | 0.4928% | 3,897 |
| Noninterest expense to average assets | 3.3175% | 2,467 |
| Loan and lease loss provision to assets | 0.3906% | 2,648 |
| Net operating income to assets | -0.5747% | 6,537 |
| Return on assets (ROA) | -0.3503% | 6,431 |
| Pretax return on assets | -0.3503% | 6,384 |
| Return on Equity (ROE) | -2.8364% | 6,396 |
| Retained earnings to average equity (ytd only) | -2.8364% | 6,251 |
| Net charge-offs to loans | 0.2405% | 4,274 |
| Credit loss provision to net charge-offs | 451.9231% | 499 |
| Earnings coverage of net charge-offs (x) | -2.1298% | 6,286 |
| Efficiency ratio | 93.7144% | 941 |
| Assets per employee ($millions) | 6.4794% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 6,786 |
| Loan loss allowance to noncurrent loans | 30.9907% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 4,244 |
| Noncurrent loans to loans | 2.5128% | 2,616 |
| Net loans and leases to total assets | 38.9032% | 6,606 |
| Net loans and leases to deposits | 44.9505% | 6,673 |
| Net loans and leases to core deposits | 48.1850% | 6,628 |
| Total domestic deposits to total assets | 86.5469% | 3,009 |
| Equity capital to assets | 12.8208% | 1,587 |
| Core capital (leverage) ratio | 10.2154% | 3,074 |
| Tier 1 risk-based capital ratio | 22.6595% | 1,139 |
| Total risk-based capital ratio | 23.3439% | 1,198 |
| Memoranda: | ||
| Average total assets | $240,664,000 | 2,626 |
| Average earning assets | $214,567,600 | 2,672 |
| Average equity | $29,720,400 | 2,217 |
| Average total loans | $86,487,600 | 3,949 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 6,764 |
| Cost of funding earning assets | 0.9959% | 3,707 |
| Net interest margin | 2.8756% | 6,790 |
| Noninterest income to average assets | 0.3487% | 5,066 |
| Noninterest expense to average assets | 3.0696% | 3,285 |
| Loan and lease loss provision to assets | 0.1323% | 4,775 |
| Net operating income to assets | -0.2961% | 6,486 |
| Return on assets (ROA) | -0.1633% | 6,425 |
| Pretax return on assets | -0.1633% | 6,382 |
| Return on Equity (ROE) | -1.3348% | 6,415 |
| Retained earnings to average equity (ytd only) | -1.3348% | 6,208 |
| Net charge-offs to loans | 0.2553% | 3,838 |
| Credit loss provision to net charge-offs | 147.5309% | 2,129 |
| Earnings coverage of net charge-offs (x) | -1.8272% | 6,006 |
| Efficiency ratio | 103.4667% | 569 |
| Assets per employee ($millions) | 6.2377% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9979% | 2,347 |
| Loan loss allowance to noncurrent loans | 124.3919% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 4,761 |
| Noncurrent loans to loans | 1.6061% | 3,890 |
| Net loans and leases to total assets | 37.1223% | 6,816 |
| Net loans and leases to deposits | 43.6228% | 6,850 |
| Net loans and leases to core deposits | 46.9030% | 6,804 |
| Total domestic deposits to total assets | 85.0984% | 3,726 |
| Equity capital to assets | 14.1654% | 1,092 |
| Core capital (leverage) ratio | 10.2382% | 3,146 |
| Tier 1 risk-based capital ratio | 19.5424% | 1,803 |
| Total risk-based capital ratio | 20.7953% | 1,771 |
| Memoranda: | ||
| Average total assets | $240,896,000 | 2,638 |
| Average earning assets | $214,212,250 | 2,692 |
| Average equity | $29,466,500 | 2,229 |
| Average total loans | $84,610,250 | 4,043 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 6,965 |
| Cost of funding earning assets | 1.0213% | 3,808 |
| Net interest margin | 2.7320% | 6,992 |
| Noninterest income to average assets | 0.3340% | 5,218 |
| Noninterest expense to average assets | 3.0936% | 3,279 |
| Loan and lease loss provision to assets | 0.1591% | 4,330 |
| Net operating income to assets | -0.4989% | 6,689 |
| Return on assets (ROA) | -0.4989% | 6,711 |
| Pretax return on assets | -0.4989% | 6,653 |
| Return on Equity (ROE) | -4.3090% | 6,664 |
| Retained earnings to average equity (ytd only) | -4.3090% | 6,504 |
| Net charge-offs to loans | 0.4409% | 2,809 |
| Credit loss provision to net charge-offs | 105.5249% | 2,926 |
| Earnings coverage of net charge-offs (x) | -2.2541% | 5,726 |
| Efficiency ratio | 110.0423% | 474 |
| Assets per employee ($millions) | 6.2313% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 1,935 |
| Loan loss allowance to noncurrent loans | 112.2075% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 4,803 |
| Noncurrent loans to loans | 1.9539% | 3,539 |
| Net loans and leases to total assets | 32.5660% | 7,094 |
| Net loans and leases to deposits | 37.0518% | 7,150 |
| Net loans and leases to core deposits | 39.7517% | 7,131 |
| Total domestic deposits to total assets | 87.8932% | 2,216 |
| Equity capital to assets | 11.6167% | 2,397 |
| Core capital (leverage) ratio | 8.4267% | 5,669 |
| Tier 1 risk-based capital ratio | 16.7204% | 2,640 |
| Total risk-based capital ratio | 17.9589% | 2,601 |
| Memoranda: | ||
| Average total assets | $240,105,000 | 2,656 |
| Average earning assets | $212,667,330 | 2,728 |
| Average equity | $27,802,000 | 2,328 |
| Average total loans | $82,097,670 | 4,152 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4314% | 7,249 |
| Cost of funding earning assets | 1.0781% | 3,666 |
| Net interest margin | 2.3533% | 7,284 |
| Noninterest income to average assets | 0.3268% | 5,296 |
| Noninterest expense to average assets | 2.9684% | 3,773 |
| Loan and lease loss provision to assets | 0.1542% | 4,096 |
| Net operating income to assets | -0.6956% | 6,913 |
| Return on assets (ROA) | -0.6956% | 6,919 |
| Pretax return on assets | -0.6956% | 6,871 |
| Return on Equity (ROE) | -6.0172% | 6,867 |
| Retained earnings to average equity (ytd only) | -6.0172% | 6,596 |
| Net charge-offs to loans | 0.2080% | 3,263 |
| Credit loss provision to net charge-offs | 213.9535% | 1,407 |
| Earnings coverage of net charge-offs (x) | -7.5116% | 5,047 |
| Efficiency ratio | 119.6823% | 347 |
| Assets per employee ($millions) | 5.9862% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2164% | 1,921 |
| Loan loss allowance to noncurrent loans | 49.3736% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7440% | 3,647 |
| Noncurrent loans to loans | 4.4891% | 1,558 |
| Net loans and leases to total assets | 33.4039% | 7,113 |
| Net loans and leases to deposits | 37.8573% | 7,170 |
| Net loans and leases to core deposits | 39.9889% | 7,165 |
| Total domestic deposits to total assets | 88.2363% | 2,237 |
| Equity capital to assets | 11.4417% | 2,320 |
| Core capital (leverage) ratio | 8.3752% | 5,676 |
| Tier 1 risk-based capital ratio | 16.7814% | 2,552 |
| Total risk-based capital ratio | 18.0352% | 2,522 |
| Memoranda: | ||
| Average total assets | $238,647,500 | 2,685 |
| Average earning assets | $212,975,500 | 2,744 |
| Average equity | $27,587,500 | 2,332 |
| Average total loans | $82,688,500 | 4,174 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 7,656 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.0000% | 7,648 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.0000% | 7,654 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0000% | 5,831 |
| Return on assets (ROA) | 0.0000% | 5,960 |
| Pretax return on assets | 0.0000% | 5,897 |
| Return on Equity (ROE) | 0.0000% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 6.2591% | 1,056 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1106% | 2,048 |
| Loan loss allowance to noncurrent loans | 6,082.7586% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 6,568 |
| Noncurrent loans to loans | 0.0347% | 7,045 |
| Net loans and leases to total assets | 34.3982% | 7,210 |
| Net loans and leases to deposits | 39.5568% | 7,266 |
| Net loans and leases to core deposits | 41.6046% | 7,269 |
| Total domestic deposits to total assets | 86.9588% | 2,840 |
| Equity capital to assets | 11.6789% | 2,142 |
| Core capital (leverage) ratio | 8.5202% | 5,328 |
| Tier 1 risk-based capital ratio | 16.8004% | 2,426 |
| Total risk-based capital ratio | 18.0537% | 2,388 |
| Memoranda: | ||
| Average total assets | $76,436,800 | 5,699 |
| Average earning assets | $66,070,200 | 5,795 |
| Average equity | $11,690,600 | 4,699 |
| Average total loans | $34,475,400 | 6,185 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1586% | 671 |
| Cost of funding earning assets | 1.8490% | 1,217 |
| Net interest margin | 4.3096% | 1,821 |
| Noninterest income to average assets | 0.0850% | 7,111 |
| Noninterest expense to average assets | 4.8736% | 415 |
| Loan and lease loss provision to assets | 0.7094% | 2,150 |
| Net operating income to assets | -1.2895% | 7,024 |
| Return on assets (ROA) | -1.2895% | 7,054 |
| Pretax return on assets | -2.1394% | 7,232 |
| Return on Equity (ROE) | -6.0677% | 6,722 |
| Retained earnings to average equity (ytd only) | -6.0677% | 6,639 |
| Net charge-offs to loans | 1.0270% | 1,964 |
| Credit loss provision to net charge-offs | 112.2807% | 3,761 |
| Earnings coverage of net charge-offs (x) | -2.2632% | 6,543 |
| Efficiency ratio | 141.5236% | 241 |
| Assets per employee ($millions) | 3.2025% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 4,384 |
| Loan loss allowance to noncurrent loans | 539.6552% | 576 |
| Noncurrent assets plus other real estate owned to assets | 1.9360% | 3,559 |
| Noncurrent loans to loans | 0.2618% | 6,661 |
| Net loans and leases to total assets | 62.0103% | 4,528 |
| Net loans and leases to deposits | 79.0826% | 3,623 |
| Net loans and leases to core deposits | 79.0826% | 4,648 |
| Total domestic deposits to total assets | 78.4121% | 6,168 |
| Equity capital to assets | 21.3154% | 214 |
| Core capital (leverage) ratio | 17.1498% | 420 |
| Tier 1 risk-based capital ratio | 22.3153% | 1,161 |
| Total risk-based capital ratio | 23.5515% | 1,132 |
| Memoranda: | ||
| Average total assets | $36,084,250 | 7,093 |
| Average earning assets | $28,122,500 | 7,244 |
| Average equity | $7,668,750 | 5,892 |
| Average total loans | $22,199,500 | 6,902 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2460% | 570 |
| Cost of funding earning assets | 1.9181% | 1,174 |
| Net interest margin | 4.3280% | 1,679 |
| Noninterest income to average assets | 0.0770% | 7,204 |
| Noninterest expense to average assets | 5.0537% | 364 |
| Loan and lease loss provision to assets | 0.9733% | 1,493 |
| Net operating income to assets | -1.5507% | 7,168 |
| Return on assets (ROA) | -1.5507% | 7,177 |
| Pretax return on assets | -2.5626% | 7,381 |
| Return on Equity (ROE) | -7.3038% | 6,855 |
| Retained earnings to average equity (ytd only) | -7.3038% | 6,764 |
| Net charge-offs to loans | 1.5576% | 1,224 |
| Credit loss provision to net charge-offs | 102.3121% | 3,990 |
| Earnings coverage of net charge-offs (x) | -1.6705% | 6,187 |
| Efficiency ratio | 145.8730% | 223 |
| Assets per employee ($millions) | 3.1790% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,622 |
| Loan loss allowance to noncurrent loans | 990.0000% | 351 |
| Noncurrent assets plus other real estate owned to assets | 1.8702% | 3,662 |
| Noncurrent loans to loans | 0.1375% | 6,983 |
| Net loans and leases to total assets | 61.5459% | 4,769 |
| Net loans and leases to deposits | 78.9248% | 3,815 |
| Net loans and leases to core deposits | 78.9248% | 4,815 |
| Total domestic deposits to total assets | 77.9805% | 6,271 |
| Equity capital to assets | 21.7450% | 211 |
| Core capital (leverage) ratio | 16.9635% | 446 |
| Tier 1 risk-based capital ratio | 22.6774% | 1,101 |
| Total risk-based capital ratio | 23.8461% | 1,088 |
| Memoranda: | ||
| Average total assets | $36,369,670 | 7,131 |
| Average earning assets | $28,466,000 | 7,278 |
| Average equity | $7,722,000 | 5,895 |
| Average total loans | $22,213,330 | 6,957 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1668% | 684 |
| Cost of funding earning assets | 1.9745% | 1,172 |
| Net interest margin | 4.1924% | 2,070 |
| Noninterest income to average assets | 0.0540% | 7,443 |
| Noninterest expense to average assets | 5.1578% | 327 |
| Loan and lease loss provision to assets | 1.9639% | 568 |
| Net operating income to assets | -2.2768% | 7,517 |
| Return on assets (ROA) | -2.2768% | 7,524 |
| Pretax return on assets | -3.7227% | 7,665 |
| Return on Equity (ROE) | -10.8469% | 7,162 |
| Retained earnings to average equity (ytd only) | -10.8469% | 7,005 |
| Net charge-offs to loans | 2.7130% | 592 |
| Credit loss provision to net charge-offs | 119.7368% | 2,914 |
| Earnings coverage of net charge-offs (x) | -1.0724% | 5,393 |
| Efficiency ratio | 151.7460% | 203 |
| Assets per employee ($millions) | 3.6571% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 4,280 |
| Loan loss allowance to noncurrent loans | 585.4545% | 554 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 3,694 |
| Noncurrent loans to loans | 0.2439% | 6,856 |
| Net loans and leases to total assets | 60.7886% | 4,982 |
| Net loans and leases to deposits | 77.1374% | 4,194 |
| Net loans and leases to core deposits | 77.1374% | 5,120 |
| Total domestic deposits to total assets | 78.8056% | 6,120 |
| Equity capital to assets | 20.9975% | 243 |
| Core capital (leverage) ratio | 16.6797% | 482 |
| Tier 1 risk-based capital ratio | 22.8538% | 1,098 |
| Total risk-based capital ratio | 24.0846% | 1,071 |
| Memoranda: | ||
| Average total assets | $37,070,000 | 7,196 |
| Average earning assets | $29,577,500 | 7,338 |
| Average equity | $7,781,000 | 5,918 |
| Average total loans | $22,410,500 | 7,029 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0017% | 1,859 |
| Cost of funding earning assets | 2.4933% | 1,038 |
| Net interest margin | 3.5084% | 4,918 |
| Noninterest income to average assets | 0.1584% | 6,938 |
| Noninterest expense to average assets | 5.5015% | 392 |
| Loan and lease loss provision to assets | 0.7159% | 2,966 |
| Net operating income to assets | -2.0471% | 7,114 |
| Return on assets (ROA) | -2.0471% | 7,109 |
| Pretax return on assets | -3.2899% | 7,367 |
| Return on Equity (ROE) | -8.3140% | 6,497 |
| Retained earnings to average equity (ytd only) | -8.3140% | 6,380 |
| Net charge-offs to loans | 0.8922% | 2,612 |
| Credit loss provision to net charge-offs | 145.9627% | 3,248 |
| Earnings coverage of net charge-offs (x) | -5.2484% | 7,112 |
| Efficiency ratio | 187.9292% | 166 |
| Assets per employee ($millions) | 3.4154% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,692 |
| Loan loss allowance to noncurrent loans | 1,123.0769% | 338 |
| Noncurrent assets plus other real estate owned to assets | 1.7301% | 3,778 |
| Noncurrent loans to loans | 0.1168% | 7,129 |
| Net loans and leases to total assets | 58.4950% | 5,581 |
| Net loans and leases to deposits | 74.3538% | 4,979 |
| Net loans and leases to core deposits | 106.0004% | 3,332 |
| Total domestic deposits to total assets | 78.6712% | 6,078 |
| Equity capital to assets | 20.9827% | 250 |
| Core capital (leverage) ratio | 17.2418% | 465 |
| Tier 1 risk-based capital ratio | 23.2012% | 1,023 |
| Total risk-based capital ratio | 24.2731% | 1,018 |
| Memoranda: | ||
| Average total assets | $32,827,600 | 7,369 |
| Average earning assets | $25,909,200 | 7,508 |
| Average equity | $8,082,800 | 5,897 |
| Average total loans | $18,045,400 | 7,311 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7217% | 3,233 |
| Cost of funding earning assets | 2.5734% | 1,097 |
| Net interest margin | 3.1483% | 6,184 |
| Noninterest income to average assets | 0.1770% | 6,951 |
| Noninterest expense to average assets | 5.4862% | 377 |
| Loan and lease loss provision to assets | 0.6658% | 2,744 |
| Net operating income to assets | -3.5058% | 7,690 |
| Return on assets (ROA) | -3.5058% | 7,692 |
| Pretax return on assets | -3.5058% | 7,613 |
| Return on Equity (ROE) | -13.6400% | 7,114 |
| Retained earnings to average equity (ytd only) | -13.6400% | 7,052 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 207.3248% | 137 |
| Assets per employee ($millions) | 3.0706% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 2,900 |
| Loan loss allowance to noncurrent loans | 42.2472% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 2.4154% | 2,850 |
| Noncurrent loans to loans | 3.8435% | 1,932 |
| Net loans and leases to total assets | 61.8232% | 5,273 |
| Net loans and leases to deposits | 78.6439% | 4,628 |
| Net loans and leases to core deposits | 111.1003% | 3,115 |
| Total domestic deposits to total assets | 78.6116% | 5,928 |
| Equity capital to assets | 21.0194% | 280 |
| Core capital (leverage) ratio | 19.7996% | 323 |
| Tier 1 risk-based capital ratio | 24.9139% | 908 |
| Total risk-based capital ratio | 26.1670% | 885 |
| Memoranda: | ||
| Average total assets | $31,642,250 | 7,477 |
| Average earning assets | $24,817,250 | 7,620 |
| Average equity | $8,132,750 | 5,934 |
| Average total loans | $16,989,750 | 7,419 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 4,320 |
| Cost of funding earning assets | 2.6900% | 1,059 |
| Net interest margin | 2.8641% | 6,875 |
| Noninterest income to average assets | 0.2207% | 6,716 |
| Noninterest expense to average assets | 5.9450% | 325 |
| Loan and lease loss provision to assets | 0.3879% | 3,586 |
| Net operating income to assets | -3.9121% | 7,817 |
| Return on assets (ROA) | -3.9121% | 7,811 |
| Pretax return on assets | -3.9121% | 7,732 |
| Return on Equity (ROE) | -14.1612% | 7,290 |
| Retained earnings to average equity (ytd only) | -14.1612% | 7,189 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 245.5801% | 121 |
| Assets per employee ($millions) | 2.4270% | 7,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 2,640 |
| Loan loss allowance to noncurrent loans | 36.6402% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 2.3961% | 2,710 |
| Noncurrent loans to loans | 4.4312% | 1,462 |
| Net loans and leases to total assets | 53.1964% | 6,549 |
| Net loans and leases to deposits | 71.4912% | 5,811 |
| Net loans and leases to core deposits | 103.7202% | 4,095 |
| Total domestic deposits to total assets | 74.4097% | 6,888 |
| Equity capital to assets | 25.2258% | 197 |
| Core capital (leverage) ratio | 22.8101% | 252 |
| Tier 1 risk-based capital ratio | 31.1876% | 529 |
| Total risk-based capital ratio | 32.3926% | 522 |
| Memoranda: | ||
| Average total assets | $29,907,330 | 7,607 |
| Average earning assets | $22,974,000 | 7,767 |
| Average equity | $8,262,000 | 5,930 |
| Average total loans | $14,934,330 | 7,599 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 5,053 |
| Cost of funding earning assets | 2.7365% | 1,154 |
| Net interest margin | 2.7365% | 7,129 |
| Noninterest income to average assets | 0.1238% | 7,408 |
| Noninterest expense to average assets | 6.0786% | 284 |
| Loan and lease loss provision to assets | 0.3851% | 3,015 |
| Net operating income to assets | -4.2083% | 7,997 |
| Return on assets (ROA) | -4.2083% | 7,991 |
| Pretax return on assets | -4.2083% | 7,927 |
| Return on Equity (ROE) | -14.5480% | 7,587 |
| Retained earnings to average equity (ytd only) | -14.5480% | 7,412 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 269.5122% | 113 |
| Assets per employee ($millions) | 2.2458% | 7,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 2,304 |
| Loan loss allowance to noncurrent loans | 32.5397% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 2.5894% | 2,211 |
| Noncurrent loans to loans | 5.0800% | 1,069 |
| Net loans and leases to total assets | 50.1302% | 6,852 |
| Net loans and leases to deposits | 70.1832% | 5,959 |
| Net loans and leases to core deposits | 97.8866% | 4,755 |
| Total domestic deposits to total assets | 71.4276% | 7,285 |
| Equity capital to assets | 28.3052% | 167 |
| Core capital (leverage) ratio | 24.4710% | 244 |
| Tier 1 risk-based capital ratio | 36.2701% | 398 |
| Total risk-based capital ratio | 37.5185% | 392 |
| Memoranda: | ||
| Average total assets | $29,085,500 | 7,684 |
| Average earning assets | $22,657,000 | 7,817 |
| Average equity | $8,413,500 | 5,913 |
| Average total loans | $13,871,000 | 7,700 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 7,652 |
| Cost of funding earning assets | 2.7157% | 3,089 |
| Net interest margin | 2.5248% | 7,729 |
| Noninterest income to average assets | 0.1748% | 7,180 |
| Noninterest expense to average assets | 8.1647% | 211 |
| Loan and lease loss provision to assets | 0.8648% | 1,726 |
| Net operating income to assets | -4.2745% | 8,026 |
| Return on assets (ROA) | -4.2686% | 8,007 |
| Pretax return on assets | -6.9595% | 8,160 |
| Return on Equity (ROE) | -10.5249% | 7,312 |
| Retained earnings to average equity (ytd only) | -10.5249% | 7,115 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 396.2054% | 69 |
| Assets per employee ($millions) | 2.2288% | 7,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 1,926 |
| Loan loss allowance to noncurrent loans | 28.8360% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 2.6091% | 1,839 |
| Noncurrent loans to loans | 5.8787% | 630 |
| Net loans and leases to total assets | 43.6307% | 7,492 |
| Net loans and leases to deposits | 62.1840% | 6,930 |
| Net loans and leases to core deposits | 83.6056% | 6,335 |
| Total domestic deposits to total assets | 70.1639% | 7,256 |
| Equity capital to assets | 29.5531% | 179 |
| Core capital (leverage) ratio | 27.9289% | 209 |
| Tier 1 risk-based capital ratio | 40.7252% | 326 |
| Total risk-based capital ratio | 41.9266% | 315 |
| Memoranda: | ||
| Average total assets | $21,740,000 | 7,962 |
| Average earning assets | $16,239,000 | 8,060 |
| Average equity | $8,817,200 | 5,802 |
| Average total loans | $7,217,000 | 8,074 |