Home > First Commons Bank > Performance and Condition Ratios
First Commons Bank, Performance and Condition Ratios
| 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 | 4.3648% | 2,131 |
| Cost of funding earning assets | 0.8236% | 547 |
| Net interest margin | 3.5412% | 3,373 |
| Noninterest income to average assets | 0.1039% | 5,403 |
| Noninterest expense to average assets | 2.3567% | 4,188 |
| Loan and lease loss provision to assets | 0.0115% | 4,053 |
| Net operating income to assets | 0.5298% | 4,296 |
| Return on assets (ROA) | 0.5064% | 4,390 |
| Pretax return on assets | 1.1391% | 3,024 |
| Return on Equity (ROE) | 4.8064% | 4,240 |
| Retained earnings to average equity (ytd only) | 4.8064% | 2,253 |
| Net charge-offs to loans | 0.0004% | 4,120 |
| Credit loss provision to net charge-offs | 3,800.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 3,929.0000% | 14 |
| Efficiency ratio | 66.5018% | 3,170 |
| Assets per employee ($millions) | 10.4777% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 4,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 81.2539% | 789 |
| Net loans and leases to deposits | 93.3328% | 1,352 |
| Net loans and leases to core deposits | 107.3640% | 1,193 |
| Total domestic deposits to total assets | 87.0582% | 1,966 |
| Equity capital to assets | 10.9366% | 2,693 |
| Core capital (leverage) ratio | 11.3650% | 2,050 |
| Tier 1 risk-based capital ratio | 13.6807% | 3,529 |
| Total risk-based capital ratio | 14.6632% | 3,590 |
| Memoranda: | ||
| Average total assets | $330,972,400 | 2,005 |
| Average earning assets | $321,503,800 | 1,932 |
| Average equity | $34,870,000 | 2,089 |
| Average total loans | $263,139,000 | 1,749 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,170 |
| Cost of funding earning assets | 0.8084% | 551 |
| Net interest margin | 3.5231% | 3,413 |
| Noninterest income to average assets | 0.1147% | 5,420 |
| Noninterest expense to average assets | 2.2615% | 4,390 |
| Loan and lease loss provision to assets | 0.0020% | 4,064 |
| Net operating income to assets | 0.7612% | 3,689 |
| Return on assets (ROA) | 0.7302% | 3,892 |
| Pretax return on assets | 1.2242% | 2,807 |
| Return on Equity (ROE) | 6.9956% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.9956% | 1,691 |
| Net charge-offs to loans | 0.0010% | 3,755 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 1,587.4757% | 53 |
| Efficiency ratio | 63.9528% | 3,550 |
| Assets per employee ($millions) | 9.7324% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 4,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.3796% | 503 |
| Net loans and leases to deposits | 97.0846% | 1,001 |
| Net loans and leases to core deposits | 109.5777% | 1,052 |
| Total domestic deposits to total assets | 85.8835% | 2,356 |
| Equity capital to assets | 11.4232% | 2,445 |
| Core capital (leverage) ratio | 11.4814% | 2,031 |
| Tier 1 risk-based capital ratio | 13.8626% | 3,505 |
| Total risk-based capital ratio | 14.8434% | 3,563 |
| Memoranda: | ||
| Average total assets | $332,513,250 | 2,005 |
| Average earning assets | $322,931,750 | 1,937 |
| Average equity | $34,706,750 | 2,107 |
| Average total loans | $262,306,000 | 1,761 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 2,115 |
| Cost of funding earning assets | 0.8203% | 472 |
| Net interest margin | 3.4816% | 3,468 |
| Noninterest income to average assets | 0.1043% | 5,501 |
| Noninterest expense to average assets | 2.1535% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7994% | 3,405 |
| Return on assets (ROA) | 0.7816% | 3,533 |
| Pretax return on assets | 1.3106% | 2,348 |
| Return on Equity (ROE) | 7.7113% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.7113% | 1,281 |
| Net charge-offs to loans | 0.0038% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 454.4000% | 186 |
| Efficiency ratio | 61.6734% | 4,055 |
| Assets per employee ($millions) | 11.1654% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 78.4473% | 1,169 |
| Net loans and leases to deposits | 91.6372% | 1,547 |
| Net loans and leases to core deposits | 101.4741% | 1,551 |
| Total domestic deposits to total assets | 85.6064% | 2,568 |
| Equity capital to assets | 10.8346% | 2,993 |
| Core capital (leverage) ratio | 10.4907% | 2,927 |
| Tier 1 risk-based capital ratio | 14.2097% | 3,306 |
| Total risk-based capital ratio | 15.2260% | 3,355 |
| Memoranda: | ||
| Average total assets | $339,538,670 | 1,984 |
| Average earning assets | $330,363,000 | 1,903 |
| Average equity | $34,417,000 | 2,120 |
| Average total loans | $262,344,000 | 1,754 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 2,189 |
| Cost of funding earning assets | 0.8292% | 415 |
| Net interest margin | 3.3949% | 3,666 |
| Noninterest income to average assets | 0.1128% | 5,542 |
| Noninterest expense to average assets | 2.1427% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7588% | 3,434 |
| Return on assets (ROA) | 0.7588% | 3,488 |
| Pretax return on assets | 1.2746% | 2,332 |
| Return on Equity (ROE) | 7.7337% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.7337% | 1,563 |
| Net charge-offs to loans | 0.0106% | 2,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 158.1429% | 340 |
| Efficiency ratio | 62.7022% | 4,039 |
| Assets per employee ($millions) | 10.6356% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 4,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.8924% | 1,764 |
| Net loans and leases to deposits | 85.1059% | 2,149 |
| Net loans and leases to core deposits | 94.0794% | 1,983 |
| Total domestic deposits to total assets | 86.8241% | 2,297 |
| Equity capital to assets | 9.8053% | 3,971 |
| Core capital (leverage) ratio | 10.0061% | 3,486 |
| Tier 1 risk-based capital ratio | 13.5663% | 3,737 |
| Total risk-based capital ratio | 14.5546% | 3,806 |
| Memoranda: | ||
| Average total assets | $347,409,500 | 1,950 |
| Average earning assets | $338,154,000 | 1,876 |
| Average equity | $34,084,500 | 2,144 |
| Average total loans | $265,256,500 | 1,752 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 2,483 |
| Cost of funding earning assets | 0.9194% | 270 |
| Net interest margin | 3.2815% | 4,203 |
| Noninterest income to average assets | 0.1289% | 5,540 |
| Noninterest expense to average assets | 2.2029% | 4,765 |
| Loan and lease loss provision to assets | 0.0449% | 3,486 |
| Net operating income to assets | 0.6464% | 4,015 |
| Return on assets (ROA) | 0.6464% | 4,125 |
| Pretax return on assets | 1.0845% | 3,159 |
| Return on Equity (ROE) | 6.6579% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.6579% | 1,380 |
| Net charge-offs to loans | 0.0023% | 4,197 |
| Credit loss provision to net charge-offs | 2,516.6667% | 165 |
| Earnings coverage of net charge-offs (x) | 632.5000% | 130 |
| Efficiency ratio | 66.1070% | 3,576 |
| Assets per employee ($millions) | 10.7451% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 4,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.4037% | 1,293 |
| Net loans and leases to deposits | 89.1540% | 1,790 |
| Net loans and leases to core deposits | 97.0058% | 1,836 |
| Total domestic deposits to total assets | 86.8202% | 2,234 |
| Equity capital to assets | 9.8170% | 3,920 |
| Core capital (leverage) ratio | 9.6925% | 3,869 |
| Tier 1 risk-based capital ratio | 13.8060% | 3,575 |
| Total risk-based capital ratio | 14.8343% | 3,622 |
| Memoranda: | ||
| Average total assets | $336,006,000 | 1,968 |
| Average earning assets | $328,024,400 | 1,881 |
| Average equity | $32,623,000 | 2,198 |
| Average total loans | $265,072,600 | 1,704 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 2,527 |
| Cost of funding earning assets | 0.9241% | 257 |
| Net interest margin | 3.2728% | 4,274 |
| Noninterest income to average assets | 0.1345% | 5,578 |
| Noninterest expense to average assets | 2.2136% | 4,733 |
| Loan and lease loss provision to assets | 0.0511% | 3,225 |
| Net operating income to assets | 0.6358% | 4,145 |
| Return on assets (ROA) | 0.6358% | 4,273 |
| Pretax return on assets | 1.0661% | 3,370 |
| Return on Equity (ROE) | 6.5676% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.5676% | 1,863 |
| Net charge-offs to loans | 0.0035% | 3,803 |
| Credit loss provision to net charge-offs | 1,828.5714% | 256 |
| Earnings coverage of net charge-offs (x) | 399.9904% | 226 |
| Efficiency ratio | 66.4590% | 3,508 |
| Assets per employee ($millions) | 10.8554% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 4,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 76.6248% | 1,419 |
| Net loans and leases to deposits | 87.9152% | 2,026 |
| Net loans and leases to core deposits | 95.2230% | 2,076 |
| Total domestic deposits to total assets | 87.1576% | 1,820 |
| Equity capital to assets | 9.5506% | 4,610 |
| Core capital (leverage) ratio | 9.6583% | 3,989 |
| Tier 1 risk-based capital ratio | 13.9590% | 3,578 |
| Total risk-based capital ratio | 15.0067% | 3,620 |
| Memoranda: | ||
| Average total assets | $334,046,500 | 1,985 |
| Average earning assets | $326,234,500 | 1,897 |
| Average equity | $32,340,000 | 2,226 |
| Average total loans | $264,175,250 | 1,712 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 2,567 |
| Cost of funding earning assets | 0.9265% | 253 |
| Net interest margin | 3.2542% | 4,364 |
| Noninterest income to average assets | 0.1274% | 5,681 |
| Noninterest expense to average assets | 2.2409% | 4,752 |
| Loan and lease loss provision to assets | 0.0777% | 2,592 |
| Net operating income to assets | 0.5953% | 4,294 |
| Return on assets (ROA) | 0.5953% | 4,417 |
| Pretax return on assets | 0.9909% | 3,621 |
| Return on Equity (ROE) | 6.1195% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.1195% | 2,059 |
| Net charge-offs to loans | 0.0061% | 3,479 |
| Credit loss provision to net charge-offs | 1,600.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 220.1250% | 297 |
| Efficiency ratio | 67.7118% | 3,400 |
| Assets per employee ($millions) | 10.2829% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,861 |
| Loan loss allowance to noncurrent loans | 167.0470% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 3,748 |
| Noncurrent loans to loans | 0.5554% | 3,401 |
| Net loans and leases to total assets | 78.3241% | 1,158 |
| Net loans and leases to deposits | 89.9474% | 1,765 |
| Net loans and leases to core deposits | 97.9632% | 1,810 |
| Total domestic deposits to total assets | 87.0777% | 1,879 |
| Equity capital to assets | 9.5964% | 4,674 |
| Core capital (leverage) ratio | 9.7566% | 3,863 |
| Tier 1 risk-based capital ratio | 13.6791% | 3,777 |
| Total risk-based capital ratio | 14.7246% | 3,834 |
| Memoranda: | ||
| Average total assets | $329,604,670 | 2,021 |
| Average earning assets | $322,292,000 | 1,917 |
| Average equity | $32,061,330 | 2,243 |
| Average total loans | $262,679,330 | 1,714 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 2,362 |
| Cost of funding earning assets | 0.9349% | 243 |
| Net interest margin | 3.2972% | 4,232 |
| Noninterest income to average assets | 0.1441% | 5,622 |
| Noninterest expense to average assets | 2.3342% | 4,565 |
| Loan and lease loss provision to assets | 0.0875% | 2,225 |
| Net operating income to assets | 0.5604% | 4,366 |
| Return on assets (ROA) | 0.5604% | 4,472 |
| Pretax return on assets | 0.9460% | 3,672 |
| Return on Equity (ROE) | 5.7215% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.7215% | 2,515 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3124% | 3,245 |
| Assets per employee ($millions) | 10.1099% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.3759% | 1,195 |
| Net loans and leases to deposits | 89.0263% | 1,699 |
| Net loans and leases to core deposits | 96.5176% | 1,745 |
| Total domestic deposits to total assets | 86.9135% | 2,248 |
| Equity capital to assets | 9.6029% | 4,562 |
| Core capital (leverage) ratio | 9.8623% | 3,709 |
| Tier 1 risk-based capital ratio | 13.9419% | 3,728 |
| Total risk-based capital ratio | 15.0037% | 3,771 |
| Memoranda: | ||
| Average total assets | $324,739,500 | 2,059 |
| Average earning assets | $317,480,500 | 1,948 |
| Average equity | $31,810,000 | 2,254 |
| Average total loans | $259,884,000 | 1,731 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 2,518 |
| Cost of funding earning assets | 0.9220% | 260 |
| Net interest margin | 3.2915% | 4,323 |
| Noninterest income to average assets | 0.1158% | 5,821 |
| Noninterest expense to average assets | 2.5423% | 4,097 |
| Loan and lease loss provision to assets | 0.1514% | 1,555 |
| Net operating income to assets | 0.3622% | 5,169 |
| Return on assets (ROA) | 0.3622% | 5,255 |
| Pretax return on assets | 0.6241% | 4,770 |
| Return on Equity (ROE) | 3.3505% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.3505% | 3,665 |
| Net charge-offs to loans | 0.0328% | 3,560 |
| Credit loss provision to net charge-offs | 550.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 28.1667% | 1,514 |
| Efficiency ratio | 76.6252% | 2,174 |
| Assets per employee ($millions) | 10.1888% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 5,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.3077% | 666 |
| Net loans and leases to deposits | 94.1593% | 1,188 |
| Net loans and leases to core deposits | 102.5288% | 1,324 |
| Total domestic deposits to total assets | 86.3512% | 2,461 |
| Equity capital to assets | 9.9990% | 3,956 |
| Core capital (leverage) ratio | 10.3510% | 3,105 |
| Tier 1 risk-based capital ratio | 14.9533% | 3,199 |
| Total risk-based capital ratio | 16.0750% | 3,197 |
| Memoranda: | ||
| Average total assets | $283,291,400 | 2,244 |
| Average earning assets | $275,592,800 | 2,163 |
| Average equity | $30,622,600 | 2,277 |
| Average total loans | $237,488,200 | 1,821 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 2,567 |
| Cost of funding earning assets | 0.9068% | 277 |
| Net interest margin | 3.2957% | 4,365 |
| Noninterest income to average assets | 0.0930% | 5,983 |
| Noninterest expense to average assets | 2.5958% | 3,898 |
| Loan and lease loss provision to assets | 0.1468% | 1,486 |
| Net operating income to assets | 0.3203% | 5,395 |
| Return on assets (ROA) | 0.3203% | 5,477 |
| Pretax return on assets | 0.5539% | 5,086 |
| Return on Equity (ROE) | 2.9007% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.9007% | 4,382 |
| Net charge-offs to loans | 0.0012% | 4,148 |
| Credit loss provision to net charge-offs | 15,150.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 722.0787% | 104 |
| Efficiency ratio | 78.7447% | 1,849 |
| Assets per employee ($millions) | 8.8814% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 5,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 85.2235% | 280 |
| Net loans and leases to deposits | 99.6430% | 686 |
| Net loans and leases to core deposits | 110.0949% | 871 |
| Total domestic deposits to total assets | 85.5289% | 2,765 |
| Equity capital to assets | 10.6416% | 3,424 |
| Core capital (leverage) ratio | 10.7580% | 2,764 |
| Tier 1 risk-based capital ratio | 15.1226% | 3,234 |
| Total risk-based capital ratio | 16.2470% | 3,234 |
| Memoranda: | ||
| Average total assets | $275,151,250 | 2,322 |
| Average earning assets | $267,450,250 | 2,229 |
| Average equity | $30,382,750 | 2,309 |
| Average total loans | $232,065,000 | 1,864 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 2,664 |
| Cost of funding earning assets | 0.8893% | 304 |
| Net interest margin | 3.2751% | 4,397 |
| Noninterest income to average assets | 0.0966% | 6,043 |
| Noninterest expense to average assets | 2.5991% | 3,910 |
| Loan and lease loss provision to assets | 0.0884% | 2,339 |
| Net operating income to assets | 0.3425% | 5,317 |
| Return on assets (ROA) | 0.3425% | 5,423 |
| Pretax return on assets | 0.5914% | 4,998 |
| Return on Equity (ROE) | 3.0617% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.0617% | 4,093 |
| Net charge-offs to loans | 0.0018% | 3,843 |
| Credit loss provision to net charge-offs | 5,950.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 457.5000% | 146 |
| Efficiency ratio | 79.2658% | 1,871 |
| Assets per employee ($millions) | 7.8498% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 5,290 |
| Loan loss allowance to noncurrent loans | 2,426.1364% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 5,745 |
| Noncurrent loans to loans | 0.0373% | 5,600 |
| Net loans and leases to total assets | 82.8234% | 493 |
| Net loans and leases to deposits | 97.3521% | 849 |
| Net loans and leases to core deposits | 109.5590% | 857 |
| Total domestic deposits to total assets | 85.0761% | 3,093 |
| Equity capital to assets | 10.9624% | 2,923 |
| Core capital (leverage) ratio | 11.3036% | 2,159 |
| Tier 1 risk-based capital ratio | 15.8409% | 2,931 |
| Total risk-based capital ratio | 16.9327% | 2,959 |
| Memoranda: | ||
| Average total assets | $269,172,670 | 2,381 |
| Average earning assets | $261,553,000 | 2,288 |
| Average equity | $30,114,000 | 2,331 |
| Average total loans | $225,387,330 | 1,913 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,041 |
| Cost of funding earning assets | 0.8775% | 320 |
| Net interest margin | 3.1739% | 4,699 |
| Noninterest income to average assets | 0.0945% | 6,107 |
| Noninterest expense to average assets | 2.5771% | 4,010 |
| Loan and lease loss provision to assets | 0.0518% | 2,901 |
| Net operating income to assets | 0.3139% | 5,365 |
| Return on assets (ROA) | 0.3139% | 5,469 |
| Pretax return on assets | 0.5471% | 5,053 |
| Return on Equity (ROE) | 2.7761% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.7761% | 4,288 |
| Net charge-offs to loans | 0.0036% | 3,194 |
| Credit loss provision to net charge-offs | 1,700.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 196.5000% | 284 |
| Efficiency ratio | 81.1420% | 1,738 |
| Assets per employee ($millions) | 8.2311% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 5,413 |
| Loan loss allowance to noncurrent loans | 2,440.4762% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 5,817 |
| Noncurrent loans to loans | 0.0373% | 5,637 |
| Net loans and leases to total assets | 82.1789% | 444 |
| Net loans and leases to deposits | 97.2992% | 743 |
| Net loans and leases to core deposits | 109.7487% | 755 |
| Total domestic deposits to total assets | 84.4599% | 3,630 |
| Equity capital to assets | 11.3100% | 2,636 |
| Core capital (leverage) ratio | 11.8729% | 1,721 |
| Tier 1 risk-based capital ratio | 16.9852% | 2,484 |
| Total risk-based capital ratio | 18.1216% | 2,481 |
| Memoranda: | ||
| Average total assets | $262,462,500 | 2,450 |
| Average earning assets | $254,825,500 | 2,346 |
| Average equity | $29,681,500 | 2,374 |
| Average total loans | $219,987,000 | 1,938 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 2,052 |
| Cost of funding earning assets | 0.9075% | 378 |
| Net interest margin | 3.5468% | 3,615 |
| Noninterest income to average assets | 0.0834% | 6,212 |
| Noninterest expense to average assets | 2.6587% | 4,014 |
| Loan and lease loss provision to assets | 0.0099% | 4,430 |
| Net operating income to assets | 0.4958% | 4,829 |
| Return on assets (ROA) | 0.4958% | 4,920 |
| Pretax return on assets | 0.8486% | 4,084 |
| Return on Equity (ROE) | 5.1938% | 4,566 |
| Retained earnings to average equity (ytd only) | 5.1938% | 2,471 |
| Net charge-offs to loans | -0.0390% | 5,855 |
| Credit loss provision to net charge-offs | -28.4091% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5925% | 2,577 |
| Assets per employee ($millions) | 8.1914% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 5,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 83.7571% | 360 |
| Net loans and leases to deposits | 99.6542% | 641 |
| Net loans and leases to core deposits | 112.1519% | 689 |
| Total domestic deposits to total assets | 84.0477% | 3,701 |
| Equity capital to assets | 11.2794% | 2,621 |
| Core capital (leverage) ratio | 11.4152% | 2,048 |
| Tier 1 risk-based capital ratio | 16.8877% | 2,559 |
| Total risk-based capital ratio | 18.0898% | 2,528 |
| Memoranda: | ||
| Average total assets | $253,135,000 | 2,497 |
| Average earning assets | $245,064,400 | 2,382 |
| Average equity | $24,163,600 | 2,742 |
| Average total loans | $225,404,600 | 1,862 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 1,967 |
| Cost of funding earning assets | 0.9204% | 366 |
| Net interest margin | 3.5537% | 3,616 |
| Noninterest income to average assets | 0.0358% | 6,415 |
| Noninterest expense to average assets | 2.6019% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5129% | 4,827 |
| Return on assets (ROA) | 0.5129% | 4,890 |
| Pretax return on assets | 0.8735% | 4,100 |
| Return on Equity (ROE) | 5.6297% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.6297% | 2,649 |
| Net charge-offs to loans | -0.0514% | 5,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8673% | 2,682 |
| Assets per employee ($millions) | 8.1380% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 5,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 89.1136% | 74 |
| Net loans and leases to deposits | 104.1131% | 396 |
| Net loans and leases to core deposits | 117.0822% | 461 |
| Total domestic deposits to total assets | 85.5930% | 3,078 |
| Equity capital to assets | 9.6445% | 4,615 |
| Core capital (leverage) ratio | 9.6028% | 4,240 |
| Tier 1 risk-based capital ratio | 14.1308% | 4,121 |
| Total risk-based capital ratio | 15.3529% | 4,080 |
| Memoranda: | ||
| Average total assets | $252,935,750 | 2,513 |
| Average earning assets | $244,811,500 | 2,404 |
| Average equity | $23,044,000 | 2,851 |
| Average total loans | $228,079,750 | 1,846 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 1,828 |
| Cost of funding earning assets | 0.9480% | 320 |
| Net interest margin | 3.5532% | 3,558 |
| Noninterest income to average assets | 0.0414% | 6,462 |
| Noninterest expense to average assets | 2.5591% | 4,383 |
| Loan and lease loss provision to assets | 0.0164% | 3,931 |
| Net operating income to assets | 0.5378% | 4,659 |
| Return on assets (ROA) | 0.5378% | 4,755 |
| Pretax return on assets | 0.9083% | 3,860 |
| Return on Equity (ROE) | 6.0149% | 4,142 |
| Retained earnings to average equity (ytd only) | 6.0149% | 2,317 |
| Net charge-offs to loans | -0.0762% | 6,059 |
| Credit loss provision to net charge-offs | -23.8636% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4575% | 3,073 |
| Assets per employee ($millions) | 8.5012% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 5,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 95.7737% | 3 |
| Net loans and leases to deposits | 112.0822% | 165 |
| Net loans and leases to core deposits | 126.4999% | 262 |
| Total domestic deposits to total assets | 85.4495% | 3,310 |
| Equity capital to assets | 9.7642% | 4,412 |
| Core capital (leverage) ratio | 8.9912% | 5,030 |
| Tier 1 risk-based capital ratio | 13.9879% | 4,265 |
| Total risk-based capital ratio | 15.2381% | 4,207 |
| Memoranda: | ||
| Average total assets | $255,868,000 | 2,494 |
| Average earning assets | $247,886,000 | 2,379 |
| Average equity | $22,876,670 | 2,862 |
| Average total loans | $230,921,670 | 1,819 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,415 |
| Cost of funding earning assets | 0.9156% | 416 |
| Net interest margin | 3.4132% | 4,061 |
| Noninterest income to average assets | 0.0211% | 6,564 |
| Noninterest expense to average assets | 2.4790% | 4,688 |
| Loan and lease loss provision to assets | -0.0091% | 6,396 |
| Net operating income to assets | 0.5136% | 4,620 |
| Return on assets (ROA) | 0.5136% | 4,696 |
| Pretax return on assets | 0.8626% | 3,850 |
| Return on Equity (ROE) | 5.9928% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.9928% | 2,547 |
| Net charge-offs to loans | -0.1521% | 6,296 |
| Credit loss provision to net charge-offs | 6.8182% | 2,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3880% | 3,070 |
| Assets per employee ($millions) | 9.5384% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 86.7390% | 115 |
| Net loans and leases to deposits | 99.5013% | 466 |
| Net loans and leases to core deposits | 112.3484% | 511 |
| Total domestic deposits to total assets | 87.1737% | 2,719 |
| Equity capital to assets | 8.5646% | 5,585 |
| Core capital (leverage) ratio | 8.3670% | 5,787 |
| Tier 1 risk-based capital ratio | 12.1482% | 5,542 |
| Total risk-based capital ratio | 13.2475% | 5,578 |
| Memoranda: | ||
| Average total assets | $264,785,500 | 2,416 |
| Average earning assets | $256,885,500 | 2,306 |
| Average equity | $22,694,000 | 2,868 |
| Average total loans | $231,389,000 | 1,808 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 2,215 |
| Cost of funding earning assets | 0.8703% | 861 |
| Net interest margin | 3.6271% | 3,346 |
| Noninterest income to average assets | 0.0351% | 6,584 |
| Noninterest expense to average assets | 2.7307% | 3,989 |
| Loan and lease loss provision to assets | 0.2613% | 1,364 |
| Net operating income to assets | 0.3063% | 5,502 |
| Return on assets (ROA) | 0.3780% | 5,346 |
| Pretax return on assets | 0.6551% | 4,684 |
| Return on Equity (ROE) | 3.9841% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.9841% | 3,360 |
| Net charge-offs to loans | -0.0226% | 6,165 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2469% | 2,584 |
| Assets per employee ($millions) | 9.3748% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 6,099 |
| Loan loss allowance to noncurrent loans | 271.7546% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 5,459 |
| Noncurrent loans to loans | 0.3059% | 5,273 |
| Net loans and leases to total assets | 86.5643% | 129 |
| Net loans and leases to deposits | 99.2969% | 515 |
| Net loans and leases to core deposits | 114.4767% | 458 |
| Total domestic deposits to total assets | 87.1773% | 2,634 |
| Equity capital to assets | 8.5769% | 5,496 |
| Core capital (leverage) ratio | 8.5028% | 5,671 |
| Tier 1 risk-based capital ratio | 11.8855% | 5,688 |
| Total risk-based capital ratio | 12.9350% | 5,742 |
| Memoranda: | ||
| Average total assets | $233,859,800 | 2,681 |
| Average earning assets | $225,660,000 | 2,559 |
| Average equity | $22,188,000 | 2,907 |
| Average total loans | $207,701,600 | 1,943 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 2,147 |
| Cost of funding earning assets | 0.8494% | 1,049 |
| Net interest margin | 3.6735% | 3,139 |
| Noninterest income to average assets | 0.0400% | 6,657 |
| Noninterest expense to average assets | 2.8042% | 3,648 |
| Loan and lease loss provision to assets | 0.3058% | 1,110 |
| Net operating income to assets | 0.2725% | 5,699 |
| Return on assets (ROA) | 0.3711% | 5,501 |
| Pretax return on assets | 0.6246% | 4,932 |
| Return on Equity (ROE) | 3.8057% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.8057% | 3,977 |
| Net charge-offs to loans | -0.0264% | 6,134 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3180% | 2,371 |
| Assets per employee ($millions) | 8.2114% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 6,236 |
| Loan loss allowance to noncurrent loans | 257.7746% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 5,584 |
| Noncurrent loans to loans | 0.3185% | 5,429 |
| Net loans and leases to total assets | 88.6098% | 69 |
| Net loans and leases to deposits | 100.7551% | 443 |
| Net loans and leases to core deposits | 117.5554% | 361 |
| Total domestic deposits to total assets | 87.9457% | 2,165 |
| Equity capital to assets | 9.0532% | 5,118 |
| Core capital (leverage) ratio | 8.9165% | 5,246 |
| Tier 1 risk-based capital ratio | 12.1697% | 5,671 |
| Total risk-based capital ratio | 13.2072% | 5,739 |
| Memoranda: | ||
| Average total assets | $226,701,000 | 2,775 |
| Average earning assets | $218,498,750 | 2,650 |
| Average equity | $22,106,500 | 2,951 |
| Average total loans | $202,344,000 | 1,991 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 2,145 |
| Cost of funding earning assets | 0.8388% | 1,209 |
| Net interest margin | 3.6758% | 3,053 |
| Noninterest income to average assets | 0.0454% | 6,685 |
| Noninterest expense to average assets | 2.8462% | 3,526 |
| Loan and lease loss provision to assets | 0.1835% | 2,066 |
| Net operating income to assets | 0.3210% | 5,519 |
| Return on assets (ROA) | 0.4733% | 5,092 |
| Pretax return on assets | 0.7967% | 4,323 |
| Return on Equity (ROE) | 4.7275% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.7275% | 3,242 |
| Net charge-offs to loans | -0.0407% | 6,195 |
| Credit loss provision to net charge-offs | -505.0000% | 5,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3165% | 2,257 |
| Assets per employee ($millions) | 7.6454% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7156% | 6,478 |
| Loan loss allowance to noncurrent loans | 212.4108% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 5,558 |
| Noncurrent loans to loans | 0.3369% | 5,452 |
| Net loans and leases to total assets | 90.0664% | 40 |
| Net loans and leases to deposits | 100.2937% | 411 |
| Net loans and leases to core deposits | 117.2585% | 368 |
| Total domestic deposits to total assets | 89.8026% | 1,148 |
| Equity capital to assets | 9.6572% | 4,374 |
| Core capital (leverage) ratio | 9.2979% | 4,539 |
| Tier 1 risk-based capital ratio | 11.9630% | 5,810 |
| Total risk-based capital ratio | 12.8221% | 6,029 |
| Memoranda: | ||
| Average total assets | $220,153,670 | 2,837 |
| Average earning assets | $212,196,670 | 2,718 |
| Average equity | $22,041,330 | 2,981 |
| Average total loans | $196,428,330 | 2,038 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 2,311 |
| Cost of funding earning assets | 0.8511% | 1,250 |
| Net interest margin | 3.6103% | 3,218 |
| Noninterest income to average assets | 0.0315% | 6,788 |
| Noninterest expense to average assets | 2.8504% | 3,539 |
| Loan and lease loss provision to assets | 0.2951% | 1,183 |
| Net operating income to assets | 0.2058% | 5,870 |
| Return on assets (ROA) | 0.3637% | 5,426 |
| Pretax return on assets | 0.6124% | 4,903 |
| Return on Equity (ROE) | 3.5657% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.5657% | 4,099 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1839% | 2,167 |
| Assets per employee ($millions) | 7.4176% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7052% | 6,589 |
| Loan loss allowance to noncurrent loans | 200.5706% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 5,634 |
| Noncurrent loans to loans | 0.3516% | 5,515 |
| Net loans and leases to total assets | 88.9685% | 53 |
| Net loans and leases to deposits | 99.5465% | 368 |
| Net loans and leases to core deposits | 116.3207% | 343 |
| Total domestic deposits to total assets | 89.3739% | 1,440 |
| Equity capital to assets | 9.8819% | 4,298 |
| Core capital (leverage) ratio | 9.2215% | 4,529 |
| Tier 1 risk-based capital ratio | 11.7044% | 6,080 |
| Total risk-based capital ratio | 12.5386% | 6,253 |
| Memoranda: | ||
| Average total assets | $215,549,000 | 2,927 |
| Average earning assets | $207,738,500 | 2,808 |
| Average equity | $21,987,000 | 3,028 |
| Average total loans | $190,608,500 | 2,105 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 3,673 |
| Cost of funding earning assets | 0.9240% | 1,791 |
| Net interest margin | 3.5123% | 4,446 |
| Noninterest income to average assets | 0.0283% | 6,760 |
| Noninterest expense to average assets | 3.1370% | 2,822 |
| Loan and lease loss provision to assets | 0.0896% | 4,575 |
| Net operating income to assets | 1.3509% | 1,195 |
| Return on assets (ROA) | 1.5174% | 976 |
| Pretax return on assets | 0.3530% | 5,704 |
| Return on Equity (ROE) | 13.9170% | 1,006 |
| Retained earnings to average equity (ytd only) | 13.9170% | 203 |
| Net charge-offs to loans | 0.0705% | 4,974 |
| Credit loss provision to net charge-offs | 152.6786% | 1,777 |
| Earnings coverage of net charge-offs (x) | 4.7054% | 3,282 |
| Efficiency ratio | 91.9122% | 926 |
| Assets per employee ($millions) | 7.7249% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 6,655 |
| Loan loss allowance to noncurrent loans | 177.8887% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 5,659 |
| Noncurrent loans to loans | 0.3855% | 5,529 |
| Net loans and leases to total assets | 86.5820% | 115 |
| Net loans and leases to deposits | 97.3914% | 539 |
| Net loans and leases to core deposits | 114.2900% | 409 |
| Total domestic deposits to total assets | 88.9011% | 1,639 |
| Equity capital to assets | 10.5403% | 3,479 |
| Core capital (leverage) ratio | 9.6054% | 3,953 |
| Tier 1 risk-based capital ratio | 13.0537% | 5,070 |
| Total risk-based capital ratio | 13.8889% | 5,318 |
| Memoranda: | ||
| Average total assets | $190,916,600 | 3,167 |
| Average earning assets | $183,984,000 | 3,041 |
| Average equity | $20,816,200 | 3,104 |
| Average total loans | $158,886,600 | 2,447 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 3,765 |
| Cost of funding earning assets | 0.9299% | 1,981 |
| Net interest margin | 3.5334% | 4,511 |
| Noninterest income to average assets | 0.0279% | 6,870 |
| Noninterest expense to average assets | 3.1777% | 2,641 |
| Loan and lease loss provision to assets | 0.0815% | 4,611 |
| Net operating income to assets | 1.7958% | 572 |
| Return on assets (ROA) | 2.0232% | 415 |
| Pretax return on assets | 0.4025% | 5,710 |
| Return on Equity (ROE) | 18.3843% | 460 |
| Retained earnings to average equity (ytd only) | 18.3843% | 111 |
| Net charge-offs to loans | 0.0844% | 4,543 |
| Credit loss provision to net charge-offs | 117.5258% | 2,476 |
| Earnings coverage of net charge-offs (x) | 3.7010% | 3,549 |
| Efficiency ratio | 92.5271% | 857 |
| Assets per employee ($millions) | 6.8961% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 6,725 |
| Loan loss allowance to noncurrent loans | 168.0614% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 5,795 |
| Noncurrent loans to loans | 0.4275% | 5,591 |
| Net loans and leases to total assets | 83.2530% | 263 |
| Net loans and leases to deposits | 94.1155% | 787 |
| Net loans and leases to core deposits | 109.1863% | 599 |
| Total domestic deposits to total assets | 88.4583% | 1,745 |
| Equity capital to assets | 10.9392% | 3,339 |
| Core capital (leverage) ratio | 10.0787% | 3,430 |
| Tier 1 risk-based capital ratio | 14.6190% | 4,102 |
| Total risk-based capital ratio | 15.5283% | 4,301 |
| Memoranda: | ||
| Average total assets | $186,503,000 | 3,251 |
| Average earning assets | $179,805,250 | 3,126 |
| Average equity | $20,524,250 | 3,170 |
| Average total loans | $153,150,250 | 2,557 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 3,913 |
| Cost of funding earning assets | 0.9420% | 2,105 |
| Net interest margin | 3.5244% | 4,573 |
| Noninterest income to average assets | 0.0264% | 6,928 |
| Noninterest expense to average assets | 3.2065% | 2,565 |
| Loan and lease loss provision to assets | 0.1176% | 4,053 |
| Net operating income to assets | 2.6614% | 139 |
| Return on assets (ROA) | 3.0109% | 106 |
| Pretax return on assets | 0.4560% | 5,563 |
| Return on Equity (ROE) | 27.2999% | 112 |
| Retained earnings to average equity (ytd only) | 27.2999% | 49 |
| Net charge-offs to loans | 0.1308% | 3,881 |
| Credit loss provision to net charge-offs | 110.3093% | 2,470 |
| Earnings coverage of net charge-offs (x) | 2.1031% | 3,936 |
| Efficiency ratio | 93.4657% | 832 |
| Assets per employee ($millions) | 6.6840% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7425% | 6,777 |
| Loan loss allowance to noncurrent loans | 167.0851% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 5,855 |
| Noncurrent loans to loans | 0.4444% | 5,651 |
| Net loans and leases to total assets | 82.6187% | 297 |
| Net loans and leases to deposits | 94.0370% | 769 |
| Net loans and leases to core deposits | 108.8134% | 625 |
| Total domestic deposits to total assets | 87.8577% | 2,247 |
| Equity capital to assets | 11.2064% | 2,890 |
| Core capital (leverage) ratio | 10.4417% | 2,866 |
| Tier 1 risk-based capital ratio | 15.3373% | 3,549 |
| Total risk-based capital ratio | 16.2922% | 3,702 |
| Memoranda: | ||
| Average total assets | $182,008,000 | 3,326 |
| Average earning assets | $175,802,330 | 3,190 |
| Average equity | $20,073,330 | 3,212 |
| Average total loans | $148,300,000 | 2,640 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 3,709 |
| Cost of funding earning assets | 0.9731% | 2,137 |
| Net interest margin | 3.5782% | 4,361 |
| Noninterest income to average assets | 0.0273% | 7,027 |
| Noninterest expense to average assets | 3.2891% | 2,321 |
| Loan and lease loss provision to assets | 0.1476% | 3,516 |
| Net operating income to assets | 0.0204% | 6,381 |
| Return on assets (ROA) | 0.2749% | 5,899 |
| Pretax return on assets | 0.4543% | 5,571 |
| Return on Equity (ROE) | 2.5144% | 5,898 |
| Retained earnings to average equity (ytd only) | 2.5144% | 4,999 |
| Net charge-offs to loans | 0.3103% | 2,416 |
| Credit loss provision to net charge-offs | 59.0909% | 3,135 |
| Earnings coverage of net charge-offs (x) | 0.8182% | 3,921 |
| Efficiency ratio | 94.1482% | 812 |
| Assets per employee ($millions) | 6.2964% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 6,801 |
| Loan loss allowance to noncurrent loans | 162.8205% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 5,916 |
| Noncurrent loans to loans | 0.4693% | 5,736 |
| Net loans and leases to total assets | 81.2985% | 321 |
| Net loans and leases to deposits | 91.7744% | 813 |
| Net loans and leases to core deposits | 109.8875% | 539 |
| Total domestic deposits to total assets | 88.5851% | 1,963 |
| Equity capital to assets | 10.5414% | 3,438 |
| Core capital (leverage) ratio | 10.4525% | 2,806 |
| Tier 1 risk-based capital ratio | 15.6449% | 3,364 |
| Total risk-based capital ratio | 16.6043% | 3,486 |
| Memoranda: | ||
| Average total assets | $176,094,500 | 3,437 |
| Average earning assets | $170,589,000 | 3,279 |
| Average equity | $19,249,000 | 3,318 |
| Average total loans | $141,779,000 | 2,760 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 6,225 |
| Cost of funding earning assets | 1.0206% | 3,233 |
| Net interest margin | 3.1069% | 6,333 |
| Noninterest income to average assets | 0.0348% | 6,891 |
| Noninterest expense to average assets | 3.9933% | 1,048 |
| Loan and lease loss provision to assets | 0.8442% | 1,150 |
| Net operating income to assets | -1.8028% | 6,988 |
| Return on assets (ROA) | -1.7963% | 7,004 |
| Pretax return on assets | -1.7963% | 6,976 |
| Return on Equity (ROE) | -13.8103% | 6,856 |
| Retained earnings to average equity (ytd only) | -13.8103% | 6,833 |
| Net charge-offs to loans | 0.4872% | 3,045 |
| Credit loss provision to net charge-offs | 247.8723% | 976 |
| Earnings coverage of net charge-offs (x) | -2.8149% | 6,316 |
| Efficiency ratio | 131.5903% | 220 |
| Assets per employee ($millions) | 6.0569% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 6,564 |
| Loan loss allowance to noncurrent loans | 121.1009% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 5,531 |
| Noncurrent loans to loans | 0.7323% | 5,235 |
| Net loans and leases to total assets | 78.2929% | 679 |
| Net loans and leases to deposits | 88.8487% | 1,286 |
| Net loans and leases to core deposits | 107.7366% | 713 |
| Total domestic deposits to total assets | 88.1193% | 2,082 |
| Equity capital to assets | 11.3506% | 2,638 |
| Core capital (leverage) ratio | 11.6501% | 1,792 |
| Tier 1 risk-based capital ratio | 15.4995% | 3,322 |
| Total risk-based capital ratio | 16.4958% | 3,441 |
| Memoranda: | ||
| Average total assets | $138,005,200 | 4,010 |
| Average earning assets | $133,252,200 | 3,863 |
| Average equity | $17,950,400 | 3,433 |
| Average total loans | $96,467,000 | 3,716 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 6,559 |
| Cost of funding earning assets | 0.9825% | 3,800 |
| Net interest margin | 3.0325% | 6,518 |
| Noninterest income to average assets | 0.0328% | 7,006 |
| Noninterest expense to average assets | 4.1974% | 800 |
| Loan and lease loss provision to assets | 1.0842% | 764 |
| Net operating income to assets | -2.3231% | 7,193 |
| Return on assets (ROA) | -2.3139% | 7,196 |
| Pretax return on assets | -2.3139% | 7,178 |
| Return on Equity (ROE) | -17.0809% | 7,053 |
| Retained earnings to average equity (ytd only) | -17.0809% | 7,033 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.8774% | 173 |
| Assets per employee ($millions) | 5.0757% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 4,343 |
| Loan loss allowance to noncurrent loans | 73.8571% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 4,059 |
| Noncurrent loans to loans | 1.9596% | 3,416 |
| Net loans and leases to total assets | 69.3594% | 2,201 |
| Net loans and leases to deposits | 79.4307% | 2,735 |
| Net loans and leases to core deposits | 95.6173% | 1,644 |
| Total domestic deposits to total assets | 87.3207% | 2,462 |
| Equity capital to assets | 12.2058% | 2,095 |
| Core capital (leverage) ratio | 12.9107% | 1,259 |
| Tier 1 risk-based capital ratio | 18.3095% | 2,146 |
| Total risk-based capital ratio | 19.5468% | 2,116 |
| Memoranda: | ||
| Average total assets | $130,108,000 | 4,195 |
| Average earning assets | $125,526,000 | 4,049 |
| Average equity | $17,625,500 | 3,480 |
| Average total loans | $87,091,750 | 3,966 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 6,729 |
| Cost of funding earning assets | 1.0264% | 3,772 |
| Net interest margin | 2.9304% | 6,737 |
| Noninterest income to average assets | 0.0326% | 7,111 |
| Noninterest expense to average assets | 4.2780% | 760 |
| Loan and lease loss provision to assets | 0.8605% | 1,049 |
| Net operating income to assets | -2.2816% | 7,237 |
| Return on assets (ROA) | -2.2669% | 7,240 |
| Pretax return on assets | -2.2669% | 7,213 |
| Return on Equity (ROE) | -16.0760% | 7,088 |
| Retained earnings to average equity (ytd only) | -16.0760% | 7,064 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.7433% | 153 |
| Assets per employee ($millions) | 5.4744% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 6,050 |
| Loan loss allowance to noncurrent loans | 96.2300% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 5,343 |
| Noncurrent loans to loans | 1.1186% | 4,799 |
| Net loans and leases to total assets | 68.5596% | 2,505 |
| Net loans and leases to deposits | 80.3821% | 2,726 |
| Net loans and leases to core deposits | 93.8084% | 1,920 |
| Total domestic deposits to total assets | 85.2922% | 3,730 |
| Equity capital to assets | 14.1949% | 1,031 |
| Core capital (leverage) ratio | 14.9464% | 674 |
| Tier 1 risk-based capital ratio | 21.0326% | 1,411 |
| Total risk-based capital ratio | 22.1380% | 1,423 |
| Memoranda: | ||
| Average total assets | $122,720,000 | 4,368 |
| Average earning assets | $118,277,670 | 4,225 |
| Average equity | $17,305,330 | 3,525 |
| Average total loans | $80,400,330 | 4,199 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 6,830 |
| Cost of funding earning assets | 1.0451% | 3,886 |
| Net interest margin | 2.8489% | 6,836 |
| Noninterest income to average assets | 0.0311% | 7,214 |
| Noninterest expense to average assets | 4.2162% | 806 |
| Loan and lease loss provision to assets | 0.2179% | 3,475 |
| Net operating income to assets | -1.6498% | 7,231 |
| Return on assets (ROA) | -1.6187% | 7,227 |
| Pretax return on assets | -1.6187% | 7,198 |
| Return on Equity (ROE) | -11.5239% | 7,067 |
| Retained earnings to average equity (ytd only) | -11.5239% | 6,928 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.4286% | 156 |
| Assets per employee ($millions) | 6.3361% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 7,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 63.1474% | 3,617 |
| Net loans and leases to deposits | 75.4182% | 3,513 |
| Net loans and leases to core deposits | 84.2812% | 3,133 |
| Total domestic deposits to total assets | 83.7297% | 4,604 |
| Equity capital to assets | 15.7561% | 614 |
| Core capital (leverage) ratio | 16.7596% | 415 |
| Tier 1 risk-based capital ratio | 25.1132% | 865 |
| Total risk-based capital ratio | 25.8494% | 897 |
| Memoranda: | ||
| Average total assets | $115,650,500 | 4,598 |
| Average earning assets | $111,760,500 | 4,410 |
| Average equity | $16,244,500 | 3,684 |
| Average total loans | $73,175,000 | 4,502 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 7,436 |
| Cost of funding earning assets | 1.2547% | 4,186 |
| Net interest margin | 2.0785% | 7,436 |
| Noninterest income to average assets | 0.0337% | 7,181 |
| Noninterest expense to average assets | 4.5503% | 620 |
| Loan and lease loss provision to assets | 0.4722% | 3,304 |
| Net operating income to assets | -3.0368% | 7,304 |
| Return on assets (ROA) | -2.4873% | 7,188 |
| Pretax return on assets | -2.4873% | 7,159 |
| Return on Equity (ROE) | -15.7202% | 6,945 |
| Retained earnings to average equity (ytd only) | -15.7202% | 6,908 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 229.1507% | 66 |
| Assets per employee ($millions) | 5.2817% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 7,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 62.4626% | 4,181 |
| Net loans and leases to deposits | 71.5587% | 4,594 |
| Net loans and leases to core deposits | 81.1101% | 4,044 |
| Total domestic deposits to total assets | 87.2886% | 2,676 |
| Equity capital to assets | 12.1903% | 1,801 |
| Core capital (leverage) ratio | 12.5053% | 1,315 |
| Tier 1 risk-based capital ratio | 19.7801% | 1,531 |
| Total risk-based capital ratio | 20.5018% | 1,628 |
| Memoranda: | ||
| Average total assets | $91,907,000 | 5,223 |
| Average earning assets | $86,312,600 | 5,138 |
| Average equity | $14,541,800 | 4,024 |
| Average total loans | $37,897,600 | 6,014 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3841% | 7,564 |
| Cost of funding earning assets | 1.2826% | 4,350 |
| Net interest margin | 2.1015% | 7,550 |
| Noninterest income to average assets | 0.0291% | 7,368 |
| Noninterest expense to average assets | 4.3676% | 688 |
| Loan and lease loss provision to assets | 0.3503% | 3,810 |
| Net operating income to assets | -2.7338% | 7,396 |
| Return on assets (ROA) | -1.9612% | 7,246 |
| Pretax return on assets | -1.9612% | 7,187 |
| Return on Equity (ROE) | -11.5516% | 6,990 |
| Retained earnings to average equity (ytd only) | -11.5516% | 6,951 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.1234% | 66 |
| Assets per employee ($millions) | 4.5898% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5727% | 7,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 47.3613% | 6,576 |
| Net loans and leases to deposits | 55.2325% | 6,674 |
| Net loans and leases to core deposits | 64.5156% | 6,255 |
| Total domestic deposits to total assets | 85.7491% | 3,219 |
| Equity capital to assets | 13.6049% | 1,313 |
| Core capital (leverage) ratio | 14.4627% | 822 |
| Tier 1 risk-based capital ratio | 29.9453% | 518 |
| Total risk-based capital ratio | 30.5464% | 539 |
| Memoranda: | ||
| Average total assets | $87,154,750 | 5,439 |
| Average earning assets | $81,082,250 | 5,372 |
| Average equity | $14,797,000 | 4,034 |
| Average total loans | $29,928,500 | 6,485 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1491% | 7,688 |
| Cost of funding earning assets | 1.3315% | 4,319 |
| Net interest margin | 1.8176% | 7,690 |
| Noninterest income to average assets | 0.0025% | 7,519 |
| Noninterest expense to average assets | 4.5274% | 552 |
| Loan and lease loss provision to assets | 0.4690% | 2,972 |
| Net operating income to assets | -3.3326% | 7,554 |
| Return on assets (ROA) | -3.3326% | 7,557 |
| Pretax return on assets | -3.3326% | 7,518 |
| Return on Equity (ROE) | -18.0699% | 7,230 |
| Retained earnings to average equity (ytd only) | -18.0699% | 7,201 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 272.1068% | 50 |
| Assets per employee ($millions) | 4.4943% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 7,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.8046% | 7,175 |
| Net loans and leases to deposits | 47.2500% | 7,196 |
| Net loans and leases to core deposits | 47.2500% | 7,312 |
| Total domestic deposits to total assets | 84.2426% | 3,992 |
| Equity capital to assets | 15.1132% | 852 |
| Core capital (leverage) ratio | 15.3530% | 659 |
| Tier 1 risk-based capital ratio | 39.7171% | 254 |
| Total risk-based capital ratio | 40.4104% | 256 |
| Memoranda: | ||
| Average total assets | $81,018,000 | 5,668 |
| Average earning assets | $74,052,670 | 5,639 |
| Average equity | $14,942,000 | 4,005 |
| Average total loans | $23,143,000 | 6,902 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8058% | 7,835 |
| Cost of funding earning assets | 1.3520% | 4,479 |
| Net interest margin | 1.4537% | 7,839 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 4.4769% | 596 |
| Loan and lease loss provision to assets | 0.4036% | 2,945 |
| Net operating income to assets | -3.5729% | 7,689 |
| Return on assets (ROA) | -3.5729% | 7,687 |
| Pretax return on assets | -3.5729% | 7,646 |
| Return on Equity (ROE) | -17.3811% | 7,380 |
| Retained earnings to average equity (ytd only) | -17.3811% | 7,291 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 342.3868% | 34 |
| Assets per employee ($millions) | 4.2380% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 7,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 25.8958% | 7,701 |
| Net loans and leases to deposits | 31.8947% | 7,698 |
| Net loans and leases to core deposits | 31.8947% | 7,717 |
| Total domestic deposits to total assets | 81.1914% | 5,387 |
| Equity capital to assets | 17.6371% | 454 |
| Core capital (leverage) ratio | 19.4302% | 285 |
| Tier 1 risk-based capital ratio | 58.6350% | 115 |
| Total risk-based capital ratio | 59.1606% | 117 |
| Memoranda: | ||
| Average total assets | $74,336,500 | 5,927 |
| Average earning assets | $66,862,000 | 5,939 |
| Average equity | $15,281,000 | 3,964 |
| Average total loans | $15,806,000 | 7,358 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6734% | 7,985 |
| Cost of funding earning assets | 0.4932% | 7,837 |
| Net interest margin | 0.1801% | 7,994 |
| Noninterest income to average assets | 0.0019% | 7,688 |
| Noninterest expense to average assets | 3.9714% | 1,401 |
| Loan and lease loss provision to assets | 0.1110% | 6,535 |
| Net operating income to assets | -3.9225% | 7,590 |
| Return on assets (ROA) | -3.9225% | 7,592 |
| Pretax return on assets | -3.9225% | 7,508 |
| Return on Equity (ROE) | -13.0284% | 6,833 |
| Retained earnings to average equity (ytd only) | -13.0284% | 6,760 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,483.5294% | 5 |
| Assets per employee ($millions) | 3.3639% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6192% | 7,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 14.8168% | 7,909 |
| Net loans and leases to deposits | 19.8691% | 7,912 |
| Net loans and leases to core deposits | 23.0430% | 7,906 |
| Total domestic deposits to total assets | 74.5721% | 6,936 |
| Equity capital to assets | 24.4281% | 174 |
| Core capital (leverage) ratio | 28.1427% | 117 |
| Tier 1 risk-based capital ratio | 50.0032% | 164 |
| Total risk-based capital ratio | 50.1922% | 167 |
| Memoranda: | ||
| Average total assets | $53,155,500 | 6,589 |
| Average earning assets | $46,630,000 | 6,658 |
| Average equity | $16,003,500 | 3,869 |
| Average total loans | $4,857,500 | 7,897 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1758% | 8,093 |
| Cost of funding earning assets | 0.1793% | 8,037 |
| Net interest margin | -0.0035% | 8,093 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 5.3242% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -5.3273% | 7,873 |
| Return on assets (ROA) | -5.3273% | 7,868 |
| Pretax return on assets | -5.3273% | 7,845 |
| Return on Equity (ROE) | -13.7771% | 7,119 |
| Retained earnings to average equity (ytd only) | -13.7771% | 7,058 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -169,300.0000% | 8,098 |
| Assets per employee ($millions) | 2.4939% | 7,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 0.4387% | 8,043 |
| Net loans and leases to deposits | 0.7319% | 8,045 |
| Net loans and leases to core deposits | 0.8782% | 8,036 |
| Total domestic deposits to total assets | 59.9453% | 7,878 |
| Equity capital to assets | 38.6678% | 78 |
| Core capital (leverage) ratio | 50.1867% | 55 |
| Tier 1 risk-based capital ratio | 72.1758% | 86 |
| Total risk-based capital ratio | 72.1758% | 88 |
| Memoranda: | ||
| Average total assets | $42,397,000 | 7,064 |
| Average earning assets | $37,916,000 | 7,075 |
| Average equity | $16,394,000 | 3,835 |
| Average total loans | $186,000 | 8,043 |