Home > First Mountain Bank > Performance and Condition Ratios
First Mountain Bank, Performance and Condition Ratios
| 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 | 4.0833% | 2,985 |
| Cost of funding earning assets | 0.2459% | 4,825 |
| Net interest margin | 3.8374% | 2,246 |
| Noninterest income to average assets | 0.6823% | 2,281 |
| Noninterest expense to average assets | 4.0078% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1431% | 5,692 |
| Return on assets (ROA) | 0.1431% | 5,743 |
| Pretax return on assets | 0.1883% | 5,696 |
| Return on Equity (ROE) | 1.5992% | 5,663 |
| Retained earnings to average equity (ytd only) | 1.5992% | 4,808 |
| Net charge-offs to loans | 0.0215% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 13.5500% | 2,363 |
| Efficiency ratio | 95.5125% | 421 |
| Assets per employee ($millions) | 3.7251% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9057% | 250 |
| Loan loss allowance to noncurrent loans | 39.7283% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 4.8905% | 179 |
| Noncurrent loans to loans | 7.3138% | 94 |
| Net loans and leases to total assets | 64.9240% | 3,132 |
| Net loans and leases to deposits | 71.8339% | 3,735 |
| Net loans and leases to core deposits | 75.2854% | 3,821 |
| Total domestic deposits to total assets | 90.3807% | 474 |
| Equity capital to assets | 8.7576% | 5,342 |
| Core capital (leverage) ratio | 8.9904% | 4,896 |
| Tier 1 risk-based capital ratio | 11.4927% | 5,262 |
| Total risk-based capital ratio | 12.7590% | 5,152 |
| Memoranda: | ||
| Average total assets | $143,918,200 | 3,665 |
| Average earning assets | $131,782,000 | 3,664 |
| Average equity | $12,881,600 | 4,161 |
| Average total loans | $93,043,600 | 3,520 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 3,205 |
| Cost of funding earning assets | 0.2522% | 4,859 |
| Net interest margin | 3.7787% | 2,465 |
| Noninterest income to average assets | 0.6879% | 2,292 |
| Noninterest expense to average assets | 4.1388% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0523% | 5,969 |
| Return on assets (ROA) | -0.0523% | 5,999 |
| Pretax return on assets | 0.0084% | 5,962 |
| Return on Equity (ROE) | -0.5815% | 6,002 |
| Retained earnings to average equity (ytd only) | -0.5815% | 5,701 |
| Net charge-offs to loans | -0.0073% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7972% | 303 |
| Assets per employee ($millions) | 3.4335% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0500% | 229 |
| Loan loss allowance to noncurrent loans | 29.2439% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 6.7630% | 119 |
| Noncurrent loans to loans | 10.4294% | 38 |
| Net loans and leases to total assets | 62.8680% | 3,469 |
| Net loans and leases to deposits | 69.3865% | 4,055 |
| Net loans and leases to core deposits | 72.7730% | 4,119 |
| Total domestic deposits to total assets | 90.6056% | 359 |
| Equity capital to assets | 8.7157% | 5,565 |
| Core capital (leverage) ratio | 8.9694% | 5,030 |
| Tier 1 risk-based capital ratio | 11.5512% | 5,344 |
| Total risk-based capital ratio | 12.8185% | 5,262 |
| Memoranda: | ||
| Average total assets | $142,647,250 | 3,708 |
| Average earning assets | $130,588,500 | 3,714 |
| Average equity | $12,839,750 | 4,209 |
| Average total loans | $91,396,250 | 3,596 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 3,121 |
| Cost of funding earning assets | 0.2558% | 4,884 |
| Net interest margin | 3.7856% | 2,380 |
| Noninterest income to average assets | 0.6100% | 2,681 |
| Noninterest expense to average assets | 4.1509% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1688% | 6,084 |
| Return on assets (ROA) | -0.1688% | 6,112 |
| Pretax return on assets | -0.0766% | 6,058 |
| Return on Equity (ROE) | -1.8550% | 6,123 |
| Retained earnings to average equity (ytd only) | -1.8550% | 5,815 |
| Net charge-offs to loans | -0.0089% | 4,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8802% | 286 |
| Assets per employee ($millions) | 3.1702% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2396% | 209 |
| Loan loss allowance to noncurrent loans | 28.6880% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 7.2945% | 115 |
| Noncurrent loans to loans | 11.2924% | 36 |
| Net loans and leases to total assets | 62.5043% | 3,477 |
| Net loans and leases to deposits | 69.3466% | 4,001 |
| Net loans and leases to core deposits | 73.2631% | 4,020 |
| Total domestic deposits to total assets | 90.1332% | 607 |
| Equity capital to assets | 9.1363% | 5,098 |
| Core capital (leverage) ratio | 9.0212% | 4,939 |
| Tier 1 risk-based capital ratio | 11.9206% | 5,203 |
| Total risk-based capital ratio | 13.1892% | 5,091 |
| Memoranda: | ||
| Average total assets | $140,982,670 | 3,770 |
| Average earning assets | $129,015,330 | 3,771 |
| Average equity | $12,830,330 | 4,235 |
| Average total loans | $89,948,670 | 3,643 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,541 |
| Cost of funding earning assets | 0.2497% | 5,026 |
| Net interest margin | 3.6652% | 2,754 |
| Noninterest income to average assets | 0.6322% | 2,486 |
| Noninterest expense to average assets | 4.1233% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1355% | 6,121 |
| Return on assets (ROA) | -0.1355% | 6,143 |
| Pretax return on assets | -0.1355% | 6,134 |
| Return on Equity (ROE) | -1.4914% | 6,153 |
| Retained earnings to average equity (ytd only) | -1.4914% | 5,615 |
| Net charge-offs to loans | -0.0089% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3970% | 280 |
| Assets per employee ($millions) | 3.1645% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1465% | 262 |
| Loan loss allowance to noncurrent loans | 30.6536% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 6.5373% | 145 |
| Noncurrent loans to loans | 10.2646% | 56 |
| Net loans and leases to total assets | 61.6838% | 3,422 |
| Net loans and leases to deposits | 68.2316% | 3,932 |
| Net loans and leases to core deposits | 71.7499% | 3,992 |
| Total domestic deposits to total assets | 90.4036% | 563 |
| Equity capital to assets | 8.8421% | 5,451 |
| Core capital (leverage) ratio | 9.0593% | 4,884 |
| Tier 1 risk-based capital ratio | 11.8290% | 5,351 |
| Total risk-based capital ratio | 13.0965% | 5,229 |
| Memoranda: | ||
| Average total assets | $141,730,000 | 3,782 |
| Average earning assets | $129,761,000 | 3,787 |
| Average equity | $12,873,500 | 4,260 |
| Average total loans | $89,870,500 | 3,649 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 2,277 |
| Cost of funding earning assets | 0.2501% | 5,322 |
| Net interest margin | 4.1332% | 1,479 |
| Noninterest income to average assets | 0.9710% | 1,284 |
| Noninterest expense to average assets | 4.2241% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5097% | 4,774 |
| Return on assets (ROA) | 0.5097% | 4,858 |
| Pretax return on assets | 0.5097% | 5,224 |
| Return on Equity (ROE) | 5.5716% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.5716% | 2,218 |
| Net charge-offs to loans | -0.1100% | 6,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2320% | 893 |
| Assets per employee ($millions) | 3.2832% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3493% | 207 |
| Loan loss allowance to noncurrent loans | 31.1332% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 6.7899% | 160 |
| Noncurrent loans to loans | 10.7579% | 59 |
| Net loans and leases to total assets | 61.0022% | 3,637 |
| Net loans and leases to deposits | 67.8959% | 4,138 |
| Net loans and leases to core deposits | 71.8646% | 4,134 |
| Total domestic deposits to total assets | 89.8466% | 798 |
| Equity capital to assets | 9.3375% | 4,924 |
| Core capital (leverage) ratio | 9.4063% | 4,372 |
| Tier 1 risk-based capital ratio | 13.3110% | 4,537 |
| Total risk-based capital ratio | 14.5835% | 4,450 |
| Memoranda: | ||
| Average total assets | $136,146,000 | 3,875 |
| Average earning assets | $123,947,800 | 3,885 |
| Average equity | $12,456,000 | 4,281 |
| Average total loans | $90,932,000 | 3,613 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,405 |
| Cost of funding earning assets | 0.2475% | 5,434 |
| Net interest margin | 4.1072% | 1,560 |
| Noninterest income to average assets | 0.9029% | 1,508 |
| Noninterest expense to average assets | 4.2109% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4254% | 5,156 |
| Return on assets (ROA) | 0.4254% | 5,235 |
| Pretax return on assets | 0.4254% | 5,531 |
| Return on Equity (ROE) | 4.6743% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.6743% | 3,304 |
| Net charge-offs to loans | -0.1407% | 6,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8243% | 783 |
| Assets per employee ($millions) | 3.2429% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1544% | 306 |
| Loan loss allowance to noncurrent loans | 30.2514% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 7.0675% | 167 |
| Noncurrent loans to loans | 10.4272% | 69 |
| Net loans and leases to total assets | 65.6412% | 2,930 |
| Net loans and leases to deposits | 72.9388% | 3,576 |
| Net loans and leases to core deposits | 77.1229% | 3,625 |
| Total domestic deposits to total assets | 89.9949% | 733 |
| Equity capital to assets | 9.2341% | 5,106 |
| Core capital (leverage) ratio | 9.3355% | 4,592 |
| Tier 1 risk-based capital ratio | 12.5087% | 5,164 |
| Total risk-based capital ratio | 13.7796% | 5,089 |
| Memoranda: | ||
| Average total assets | $135,708,750 | 3,905 |
| Average earning assets | $123,356,250 | 3,922 |
| Average equity | $12,351,000 | 4,318 |
| Average total loans | $91,906,500 | 3,622 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,593 |
| Cost of funding earning assets | 0.2434% | 5,555 |
| Net interest margin | 4.0525% | 1,656 |
| Noninterest income to average assets | 0.9901% | 1,228 |
| Noninterest expense to average assets | 4.2436% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4309% | 5,093 |
| Return on assets (ROA) | 0.4309% | 5,180 |
| Pretax return on assets | 0.4309% | 5,477 |
| Return on Equity (ROE) | 4.7574% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.7574% | 3,113 |
| Net charge-offs to loans | -0.2136% | 6,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7828% | 849 |
| Assets per employee ($millions) | 3.1364% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1868% | 309 |
| Loan loss allowance to noncurrent loans | 35.4164% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 6.0987% | 236 |
| Noncurrent loans to loans | 8.9980% | 95 |
| Net loans and leases to total assets | 65.6182% | 2,816 |
| Net loans and leases to deposits | 72.9082% | 3,458 |
| Net loans and leases to core deposits | 77.1254% | 3,525 |
| Total domestic deposits to total assets | 90.0011% | 813 |
| Equity capital to assets | 9.2359% | 5,061 |
| Core capital (leverage) ratio | 9.3301% | 4,552 |
| Tier 1 risk-based capital ratio | 12.4832% | 5,238 |
| Total risk-based capital ratio | 13.7541% | 5,150 |
| Memoranda: | ||
| Average total assets | $135,544,670 | 3,930 |
| Average earning assets | $123,232,330 | 3,948 |
| Average equity | $12,275,670 | 4,345 |
| Average total loans | $91,770,000 | 3,646 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 2,656 |
| Cost of funding earning assets | 0.2360% | 5,702 |
| Net interest margin | 4.0273% | 1,663 |
| Noninterest income to average assets | 1.0921% | 935 |
| Noninterest expense to average assets | 4.1035% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6564% | 3,912 |
| Return on assets (ROA) | 0.6564% | 4,013 |
| Pretax return on assets | 0.6564% | 4,644 |
| Return on Equity (ROE) | 7.3202% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.3202% | 1,898 |
| Net charge-offs to loans | -0.0044% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2090% | 1,432 |
| Assets per employee ($millions) | 3.1947% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0218% | 422 |
| Loan loss allowance to noncurrent loans | 30.1499% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 6.7991% | 228 |
| Noncurrent loans to loans | 10.0227% | 98 |
| Net loans and leases to total assets | 65.7868% | 2,601 |
| Net loans and leases to deposits | 72.8989% | 3,221 |
| Net loans and leases to core deposits | 77.0074% | 3,306 |
| Total domestic deposits to total assets | 90.2439% | 941 |
| Equity capital to assets | 8.9619% | 5,156 |
| Core capital (leverage) ratio | 9.2098% | 4,704 |
| Tier 1 risk-based capital ratio | 12.0277% | 5,627 |
| Total risk-based capital ratio | 13.2968% | 5,545 |
| Memoranda: | ||
| Average total assets | $135,884,500 | 3,961 |
| Average earning assets | $123,755,000 | 3,970 |
| Average equity | $12,185,500 | 4,392 |
| Average total loans | $91,950,500 | 3,664 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 2,753 |
| Cost of funding earning assets | 0.2506% | 5,958 |
| Net interest margin | 4.1048% | 1,622 |
| Noninterest income to average assets | 1.3770% | 739 |
| Noninterest expense to average assets | 4.5806% | 491 |
| Loan and lease loss provision to assets | 0.0328% | 4,463 |
| Net operating income to assets | 0.5008% | 4,735 |
| Return on assets (ROA) | 0.5008% | 4,867 |
| Pretax return on assets | 0.5008% | 5,203 |
| Return on Equity (ROE) | 5.8081% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.8081% | 2,093 |
| Net charge-offs to loans | 0.0999% | 3,842 |
| Credit loss provision to net charge-offs | 49.4505% | 3,831 |
| Earnings coverage of net charge-offs (x) | 8.0440% | 2,741 |
| Efficiency ratio | 89.5667% | 1,061 |
| Assets per employee ($millions) | 3.2780% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1032% | 416 |
| Loan loss allowance to noncurrent loans | 29.6347% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 7.0678% | 237 |
| Noncurrent loans to loans | 10.4715% | 100 |
| Net loans and leases to total assets | 65.4013% | 2,792 |
| Net loans and leases to deposits | 72.4848% | 3,458 |
| Net loans and leases to core deposits | 76.6684% | 3,536 |
| Total domestic deposits to total assets | 90.2275% | 948 |
| Equity capital to assets | 8.9733% | 5,068 |
| Core capital (leverage) ratio | 9.1556% | 4,776 |
| Tier 1 risk-based capital ratio | 12.2646% | 5,454 |
| Total risk-based capital ratio | 13.5347% | 5,364 |
| Memoranda: | ||
| Average total assets | $137,186,200 | 3,929 |
| Average earning assets | $124,901,400 | 3,953 |
| Average equity | $11,828,400 | 4,481 |
| Average total loans | $91,066,600 | 3,664 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 2,664 |
| Cost of funding earning assets | 0.2530% | 6,062 |
| Net interest margin | 4.1237% | 1,556 |
| Noninterest income to average assets | 1.4795% | 675 |
| Noninterest expense to average assets | 4.6018% | 469 |
| Loan and lease loss provision to assets | 0.0435% | 4,142 |
| Net operating income to assets | 0.5850% | 4,411 |
| Return on assets (ROA) | 0.5850% | 4,541 |
| Pretax return on assets | 0.5850% | 5,077 |
| Return on Equity (ROE) | 6.8531% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.8531% | 1,946 |
| Net charge-offs to loans | 0.1331% | 3,210 |
| Credit loss provision to net charge-offs | 49.4505% | 3,519 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,841 |
| Efficiency ratio | 87.9830% | 1,180 |
| Assets per employee ($millions) | 3.2368% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1169% | 489 |
| Loan loss allowance to noncurrent loans | 26.0793% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 8.3566% | 210 |
| Noncurrent loans to loans | 11.9518% | 85 |
| Net loans and leases to total assets | 65.9317% | 2,653 |
| Net loans and leases to deposits | 73.0959% | 3,382 |
| Net loans and leases to core deposits | 77.0276% | 3,492 |
| Total domestic deposits to total assets | 90.1989% | 895 |
| Equity capital to assets | 9.0709% | 5,101 |
| Core capital (leverage) ratio | 8.9521% | 5,199 |
| Tier 1 risk-based capital ratio | 12.2562% | 5,598 |
| Total risk-based capital ratio | 13.5262% | 5,526 |
| Memoranda: | ||
| Average total assets | $137,883,250 | 3,952 |
| Average earning assets | $125,419,500 | 3,975 |
| Average equity | $11,770,500 | 4,543 |
| Average total loans | $91,155,000 | 3,691 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 2,561 |
| Cost of funding earning assets | 0.2580% | 6,121 |
| Net interest margin | 4.1424% | 1,428 |
| Noninterest income to average assets | 1.5830% | 631 |
| Noninterest expense to average assets | 4.4811% | 535 |
| Loan and lease loss provision to assets | 0.0645% | 3,730 |
| Net operating income to assets | 0.8094% | 3,238 |
| Return on assets (ROA) | 0.8094% | 3,394 |
| Pretax return on assets | 0.8094% | 4,276 |
| Return on Equity (ROE) | 9.6736% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.6736% | 921 |
| Net charge-offs to loans | 0.1990% | 2,572 |
| Credit loss provision to net charge-offs | 49.4505% | 3,222 |
| Earnings coverage of net charge-offs (x) | 6.7033% | 2,671 |
| Efficiency ratio | 83.6811% | 1,673 |
| Assets per employee ($millions) | 3.3454% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2551% | 461 |
| Loan loss allowance to noncurrent loans | 25.5121% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 8.3777% | 225 |
| Noncurrent loans to loans | 12.7590% | 79 |
| Net loans and leases to total assets | 60.9972% | 3,488 |
| Net loans and leases to deposits | 67.3561% | 4,095 |
| Net loans and leases to core deposits | 70.2583% | 4,241 |
| Total domestic deposits to total assets | 90.5593% | 724 |
| Equity capital to assets | 8.7262% | 5,511 |
| Core capital (leverage) ratio | 8.7956% | 5,295 |
| Tier 1 risk-based capital ratio | 12.6733% | 5,375 |
| Total risk-based capital ratio | 13.9451% | 5,298 |
| Memoranda: | ||
| Average total assets | $139,607,670 | 3,957 |
| Average earning assets | $127,124,000 | 3,962 |
| Average equity | $11,681,330 | 4,594 |
| Average total loans | $91,435,670 | 3,689 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 2,295 |
| Cost of funding earning assets | 0.2647% | 6,195 |
| Net interest margin | 4.2005% | 1,179 |
| Noninterest income to average assets | 0.6902% | 2,646 |
| Noninterest expense to average assets | 4.5928% | 496 |
| Loan and lease loss provision to assets | 0.1278% | 2,641 |
| Net operating income to assets | -0.1988% | 6,518 |
| Return on assets (ROA) | -0.1988% | 6,555 |
| Pretax return on assets | -0.1988% | 6,547 |
| Return on Equity (ROE) | -2.4269% | 6,583 |
| Retained earnings to average equity (ytd only) | -2.4269% | 6,132 |
| Net charge-offs to loans | 0.3322% | 1,642 |
| Credit loss provision to net charge-offs | 57.6923% | 2,490 |
| Earnings coverage of net charge-offs (x) | -0.3205% | 3,898 |
| Efficiency ratio | 101.5704% | 497 |
| Assets per employee ($millions) | 3.3290% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0013% | 657 |
| Loan loss allowance to noncurrent loans | 18.3995% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 11.2876% | 144 |
| Noncurrent loans to loans | 16.3120% | 53 |
| Net loans and leases to total assets | 63.8479% | 2,737 |
| Net loans and leases to deposits | 70.0666% | 3,468 |
| Net loans and leases to core deposits | 73.3547% | 3,659 |
| Total domestic deposits to total assets | 91.1246% | 476 |
| Equity capital to assets | 8.0302% | 6,364 |
| Core capital (leverage) ratio | 8.1700% | 5,961 |
| Tier 1 risk-based capital ratio | 11.0895% | 6,366 |
| Total risk-based capital ratio | 12.3587% | 6,332 |
| Memoranda: | ||
| Average total assets | $140,830,500 | 3,966 |
| Average earning assets | $128,460,500 | 3,973 |
| Average equity | $11,537,500 | 4,663 |
| Average total loans | $93,913,500 | 3,655 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 1,537 |
| Cost of funding earning assets | 0.3544% | 6,184 |
| Net interest margin | 4.6550% | 708 |
| Noninterest income to average assets | 0.2743% | 5,501 |
| Noninterest expense to average assets | 4.8355% | 429 |
| Loan and lease loss provision to assets | 0.4097% | 1,576 |
| Net operating income to assets | -2.0360% | 6,933 |
| Return on assets (ROA) | -2.0360% | 6,938 |
| Pretax return on assets | -0.8352% | 6,686 |
| Return on Equity (ROE) | -20.6075% | 6,890 |
| Retained earnings to average equity (ytd only) | -20.6075% | 6,861 |
| Net charge-offs to loans | 0.1607% | 4,100 |
| Credit loss provision to net charge-offs | 358.2278% | 681 |
| Earnings coverage of net charge-offs (x) | -3.7215% | 5,888 |
| Efficiency ratio | 109.3222% | 342 |
| Assets per employee ($millions) | 3.2212% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0566% | 632 |
| Loan loss allowance to noncurrent loans | 18.2276% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 11.6870% | 153 |
| Noncurrent loans to loans | 16.7689% | 58 |
| Net loans and leases to total assets | 65.5108% | 2,607 |
| Net loans and leases to deposits | 72.0647% | 3,403 |
| Net loans and leases to core deposits | 75.5772% | 3,592 |
| Total domestic deposits to total assets | 90.9055% | 532 |
| Equity capital to assets | 8.3602% | 6,153 |
| Core capital (leverage) ratio | 8.4787% | 5,645 |
| Tier 1 risk-based capital ratio | 11.2397% | 6,253 |
| Total risk-based capital ratio | 12.5090% | 6,208 |
| Memoranda: | ||
| Average total assets | $138,164,400 | 3,988 |
| Average earning assets | $122,749,800 | 4,045 |
| Average equity | $13,650,400 | 4,229 |
| Average total loans | $98,339,600 | 3,565 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 1,681 |
| Cost of funding earning assets | 0.3718% | 6,263 |
| Net interest margin | 4.6357% | 766 |
| Noninterest income to average assets | 0.0183% | 6,890 |
| Noninterest expense to average assets | 4.8262% | 414 |
| Loan and lease loss provision to assets | 0.4789% | 1,290 |
| Net operating income to assets | -0.6576% | 6,762 |
| Return on assets (ROA) | -0.6576% | 6,790 |
| Pretax return on assets | -1.1935% | 6,912 |
| Return on Equity (ROE) | -6.4087% | 6,768 |
| Retained earnings to average equity (ytd only) | -6.4087% | 6,690 |
| Net charge-offs to loans | 0.0656% | 4,762 |
| Credit loss provision to net charge-offs | 1,012.2449% | 276 |
| Earnings coverage of net charge-offs (x) | -15.1024% | 5,747 |
| Efficiency ratio | 116.9093% | 217 |
| Assets per employee ($millions) | 2.9641% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9999% | 712 |
| Loan loss allowance to noncurrent loans | 24.4829% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 9.8959% | 248 |
| Noncurrent loans to loans | 12.2530% | 162 |
| Net loans and leases to total assets | 68.7715% | 2,160 |
| Net loans and leases to deposits | 77.0558% | 2,801 |
| Net loans and leases to core deposits | 81.1524% | 3,073 |
| Total domestic deposits to total assets | 89.2490% | 1,285 |
| Equity capital to assets | 10.0895% | 4,374 |
| Core capital (leverage) ratio | 8.9670% | 5,113 |
| Tier 1 risk-based capital ratio | 11.5233% | 6,213 |
| Total risk-based capital ratio | 12.7924% | 6,178 |
| Memoranda: | ||
| Average total assets | $138,077,250 | 4,023 |
| Average earning assets | $121,920,500 | 4,107 |
| Average equity | $14,168,000 | 4,169 |
| Average total loans | $99,524,000 | 3,570 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 1,979 |
| Cost of funding earning assets | 0.3770% | 6,395 |
| Net interest margin | 4.5572% | 895 |
| Noninterest income to average assets | 0.7544% | 2,400 |
| Noninterest expense to average assets | 4.9476% | 392 |
| Loan and lease loss provision to assets | 0.4544% | 1,406 |
| Net operating income to assets | -0.3318% | 6,638 |
| Return on assets (ROA) | -0.3318% | 6,692 |
| Pretax return on assets | -0.6203% | 6,784 |
| Return on Equity (ROE) | -3.2157% | 6,687 |
| Retained earnings to average equity (ytd only) | -3.2157% | 6,489 |
| Net charge-offs to loans | 0.0936% | 4,218 |
| Credit loss provision to net charge-offs | 670.2128% | 474 |
| Earnings coverage of net charge-offs (x) | -2.4468% | 5,396 |
| Efficiency ratio | 103.0769% | 457 |
| Assets per employee ($millions) | 2.9709% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7692% | 973 |
| Loan loss allowance to noncurrent loans | 19.1458% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 13.2597% | 139 |
| Noncurrent loans to loans | 14.4635% | 109 |
| Net loans and leases to total assets | 69.9097% | 1,940 |
| Net loans and leases to deposits | 78.5859% | 2,584 |
| Net loans and leases to core deposits | 83.2013% | 2,800 |
| Total domestic deposits to total assets | 88.9596% | 1,530 |
| Equity capital to assets | 10.3884% | 3,829 |
| Core capital (leverage) ratio | 9.4311% | 4,253 |
| Tier 1 risk-based capital ratio | 11.5922% | 6,171 |
| Total risk-based capital ratio | 12.8584% | 6,143 |
| Memoranda: | ||
| Average total assets | $138,653,000 | 4,039 |
| Average earning assets | $122,530,330 | 4,112 |
| Average equity | $14,305,000 | 4,137 |
| Average total loans | $100,475,330 | 3,558 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 2,123 |
| Cost of funding earning assets | 0.3807% | 6,502 |
| Net interest margin | 4.5521% | 909 |
| Noninterest income to average assets | 1.0168% | 1,383 |
| Noninterest expense to average assets | 4.7892% | 426 |
| Loan and lease loss provision to assets | 0.9023% | 487 |
| Net operating income to assets | -0.3437% | 6,729 |
| Return on assets (ROA) | -0.3437% | 6,770 |
| Pretax return on assets | -0.6330% | 6,877 |
| Return on Equity (ROE) | -3.3429% | 6,774 |
| Retained earnings to average equity (ytd only) | -3.3429% | 6,433 |
| Net charge-offs to loans | -0.0315% | 6,366 |
| Credit loss provision to net charge-offs | -3,937.5000% | 6,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2809% | 806 |
| Assets per employee ($millions) | 2.9605% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7992% | 1,008 |
| Loan loss allowance to noncurrent loans | 16.2825% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 13.4465% | 153 |
| Noncurrent loans to loans | 17.1915% | 80 |
| Net loans and leases to total assets | 69.2772% | 1,892 |
| Net loans and leases to deposits | 77.7642% | 2,553 |
| Net loans and leases to core deposits | 82.5809% | 2,750 |
| Total domestic deposits to total assets | 89.0861% | 1,646 |
| Equity capital to assets | 10.2822% | 3,750 |
| Core capital (leverage) ratio | 9.3208% | 4,328 |
| Tier 1 risk-based capital ratio | 11.8019% | 6,086 |
| Total risk-based capital ratio | 13.0689% | 6,057 |
| Memoranda: | ||
| Average total assets | $139,648,500 | 4,041 |
| Average earning assets | $123,986,500 | 4,110 |
| Average equity | $14,359,000 | 4,121 |
| Average total loans | $101,582,500 | 3,551 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4186% | 1,367 |
| Cost of funding earning assets | 0.4595% | 6,705 |
| Net interest margin | 4.9591% | 447 |
| Noninterest income to average assets | 0.7760% | 2,191 |
| Noninterest expense to average assets | 4.5883% | 538 |
| Loan and lease loss provision to assets | 0.9167% | 1,048 |
| Net operating income to assets | -0.3661% | 6,393 |
| Return on assets (ROA) | -0.3654% | 6,444 |
| Pretax return on assets | -0.3654% | 6,401 |
| Return on Equity (ROE) | -3.4827% | 6,442 |
| Retained earnings to average equity (ytd only) | -3.8195% | 6,358 |
| Net charge-offs to loans | 1.5157% | 1,058 |
| Credit loss provision to net charge-offs | 83.3548% | 4,309 |
| Earnings coverage of net charge-offs (x) | 0.5006% | 5,453 |
| Efficiency ratio | 88.9149% | 1,280 |
| Assets per employee ($millions) | 2.9820% | 6,124 |
| Cash dividends to net income (ytd only)* | -9.6712% | 7,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3588% | 1,527 |
| Loan loss allowance to noncurrent loans | 20.6516% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 9.6808% | 357 |
| Noncurrent loans to loans | 11.4218% | 247 |
| Net loans and leases to total assets | 72.4501% | 1,565 |
| Net loans and leases to deposits | 81.3604% | 2,299 |
| Net loans and leases to core deposits | 85.5760% | 2,692 |
| Total domestic deposits to total assets | 89.0484% | 1,510 |
| Equity capital to assets | 10.2823% | 3,809 |
| Core capital (leverage) ratio | 9.5137% | 4,005 |
| Tier 1 risk-based capital ratio | 11.1263% | 6,390 |
| Total risk-based capital ratio | 12.3884% | 6,358 |
| Memoranda: | ||
| Average total assets | $141,490,600 | 3,947 |
| Average earning assets | $124,479,400 | 4,051 |
| Average equity | $14,844,800 | 3,942 |
| Average total loans | $102,659,200 | 3,554 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 1,310 |
| Cost of funding earning assets | 0.4864% | 6,762 |
| Net interest margin | 4.9898% | 421 |
| Noninterest income to average assets | 0.7953% | 2,074 |
| Noninterest expense to average assets | 4.5482% | 556 |
| Loan and lease loss provision to assets | 0.9796% | 889 |
| Net operating income to assets | -0.1739% | 6,358 |
| Return on assets (ROA) | -0.1739% | 6,436 |
| Pretax return on assets | -0.3441% | 6,526 |
| Return on Equity (ROE) | -1.6495% | 6,446 |
| Retained earnings to average equity (ytd only) | -1.6495% | 6,255 |
| Net charge-offs to loans | 1.3095% | 1,178 |
| Credit loss provision to net charge-offs | 103.6816% | 3,211 |
| Earnings coverage of net charge-offs (x) | 0.6726% | 5,120 |
| Efficiency ratio | 87.3776% | 1,399 |
| Assets per employee ($millions) | 2.9465% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6432% | 1,212 |
| Loan loss allowance to noncurrent loans | 42.3967% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 6.0887% | 873 |
| Noncurrent loans to loans | 6.2345% | 872 |
| Net loans and leases to total assets | 73.1148% | 1,488 |
| Net loans and leases to deposits | 82.4120% | 2,281 |
| Net loans and leases to core deposits | 86.5632% | 2,703 |
| Total domestic deposits to total assets | 88.7186% | 1,607 |
| Equity capital to assets | 10.6734% | 3,487 |
| Core capital (leverage) ratio | 9.6402% | 3,931 |
| Tier 1 risk-based capital ratio | 11.5655% | 6,202 |
| Total risk-based capital ratio | 12.8307% | 6,184 |
| Memoranda: | ||
| Average total assets | $141,825,000 | 3,964 |
| Average earning assets | $124,731,750 | 4,068 |
| Average equity | $14,953,250 | 3,931 |
| Average total loans | $102,325,500 | 3,591 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4258% | 1,486 |
| Cost of funding earning assets | 0.5293% | 6,745 |
| Net interest margin | 4.8965% | 495 |
| Noninterest income to average assets | 0.7710% | 2,154 |
| Noninterest expense to average assets | 4.5656% | 554 |
| Loan and lease loss provision to assets | 0.0420% | 5,784 |
| Net operating income to assets | 0.3008% | 5,372 |
| Return on assets (ROA) | 0.3008% | 5,510 |
| Pretax return on assets | 0.4603% | 5,193 |
| Return on Equity (ROE) | 2.8646% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.8646% | 4,457 |
| Net charge-offs to loans | 0.5070% | 2,581 |
| Credit loss provision to net charge-offs | 11.6279% | 5,230 |
| Earnings coverage of net charge-offs (x) | 1.3915% | 4,235 |
| Efficiency ratio | 89.7294% | 1,259 |
| Assets per employee ($millions) | 2.9365% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3900% | 1,608 |
| Loan loss allowance to noncurrent loans | 35.9375% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 6.2822% | 870 |
| Noncurrent loans to loans | 6.6506% | 818 |
| Net loans and leases to total assets | 71.9722% | 1,788 |
| Net loans and leases to deposits | 81.2590% | 2,563 |
| Net loans and leases to core deposits | 86.6506% | 2,802 |
| Total domestic deposits to total assets | 88.5714% | 1,802 |
| Equity capital to assets | 10.7568% | 3,216 |
| Core capital (leverage) ratio | 9.8260% | 3,485 |
| Tier 1 risk-based capital ratio | 12.0317% | 5,761 |
| Total risk-based capital ratio | 13.2936% | 5,717 |
| Memoranda: | ||
| Average total assets | $142,938,330 | 3,978 |
| Average earning assets | $125,437,670 | 4,084 |
| Average equity | $15,010,670 | 3,901 |
| Average total loans | $101,766,670 | 3,638 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 1,679 |
| Cost of funding earning assets | 0.5554% | 6,783 |
| Net interest margin | 4.8118% | 558 |
| Noninterest income to average assets | 0.7198% | 2,456 |
| Noninterest expense to average assets | 4.5800% | 547 |
| Loan and lease loss provision to assets | 0.0834% | 4,954 |
| Net operating income to assets | 0.1918% | 5,807 |
| Return on assets (ROA) | 0.1918% | 5,868 |
| Pretax return on assets | 0.2696% | 5,751 |
| Return on Equity (ROE) | 1.8480% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.8480% | 5,006 |
| Net charge-offs to loans | 0.3774% | 2,560 |
| Credit loss provision to net charge-offs | 31.5789% | 4,092 |
| Earnings coverage of net charge-offs (x) | 1.3368% | 3,678 |
| Efficiency ratio | 92.4507% | 1,137 |
| Assets per employee ($millions) | 3.0666% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 1,337 |
| Loan loss allowance to noncurrent loans | 35.9696% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 6.3172% | 891 |
| Noncurrent loans to loans | 7.1827% | 752 |
| Net loans and leases to total assets | 69.2486% | 2,278 |
| Net loans and leases to deposits | 77.8036% | 3,095 |
| Net loans and leases to core deposits | 82.8413% | 3,332 |
| Total domestic deposits to total assets | 89.0044% | 1,769 |
| Equity capital to assets | 10.3899% | 3,298 |
| Core capital (leverage) ratio | 9.4290% | 3,915 |
| Tier 1 risk-based capital ratio | 11.9771% | 5,713 |
| Total risk-based capital ratio | 13.2410% | 5,686 |
| Memoranda: | ||
| Average total assets | $143,931,000 | 3,997 |
| Average earning assets | $126,024,500 | 4,107 |
| Average equity | $14,935,000 | 3,912 |
| Average total loans | $100,684,500 | 3,700 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 2,456 |
| Cost of funding earning assets | 0.6697% | 6,963 |
| Net interest margin | 4.7855% | 680 |
| Noninterest income to average assets | 0.6319% | 3,270 |
| Noninterest expense to average assets | 4.7206% | 539 |
| Loan and lease loss provision to assets | 0.0900% | 6,241 |
| Net operating income to assets | 0.0626% | 5,671 |
| Return on assets (ROA) | 0.0633% | 5,814 |
| Pretax return on assets | 0.0238% | 5,850 |
| Return on Equity (ROE) | 0.5898% | 5,813 |
| Retained earnings to average equity (ytd only) | 0.2547% | 5,452 |
| Net charge-offs to loans | 1.1404% | 1,956 |
| Credit loss provision to net charge-offs | 10.6655% | 6,611 |
| Earnings coverage of net charge-offs (x) | 0.1340% | 5,987 |
| Efficiency ratio | 97.2603% | 900 |
| Assets per employee ($millions) | 3.0581% | 5,977 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7418% | 1,124 |
| Loan loss allowance to noncurrent loans | 38.5830% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 7.3540% | 720 |
| Noncurrent loans to loans | 7.1062% | 784 |
| Net loans and leases to total assets | 66.9315% | 3,237 |
| Net loans and leases to deposits | 75.1678% | 3,988 |
| Net loans and leases to core deposits | 80.2232% | 4,177 |
| Total domestic deposits to total assets | 89.0428% | 1,636 |
| Equity capital to assets | 10.3630% | 3,318 |
| Core capital (leverage) ratio | 9.6298% | 3,511 |
| Tier 1 risk-based capital ratio | 11.9659% | 5,501 |
| Total risk-based capital ratio | 13.2310% | 5,475 |
| Memoranda: | ||
| Average total assets | $138,943,800 | 4,072 |
| Average earning assets | $121,993,200 | 4,187 |
| Average equity | $14,919,400 | 3,953 |
| Average total loans | $102,768,200 | 3,720 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5100% | 2,393 |
| Cost of funding earning assets | 0.6751% | 7,118 |
| Net interest margin | 4.8349% | 623 |
| Noninterest income to average assets | 0.7782% | 2,332 |
| Noninterest expense to average assets | 4.7090% | 485 |
| Loan and lease loss provision to assets | 0.0726% | 6,332 |
| Net operating income to assets | 0.1871% | 5,545 |
| Return on assets (ROA) | 0.1878% | 5,704 |
| Pretax return on assets | 0.2536% | 5,607 |
| Return on Equity (ROE) | 1.7330% | 5,694 |
| Retained earnings to average equity (ytd only) | 1.2864% | 5,295 |
| Net charge-offs to loans | 1.1349% | 1,798 |
| Credit loss provision to net charge-offs | 8.4938% | 6,344 |
| Earnings coverage of net charge-offs (x) | 0.3805% | 5,648 |
| Efficiency ratio | 93.1552% | 1,049 |
| Assets per employee ($millions) | 2.9907% | 6,169 |
| Cash dividends to net income (ytd only)* | 25.7751% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9411% | 865 |
| Loan loss allowance to noncurrent loans | 32.1460% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 7.8577% | 648 |
| Noncurrent loans to loans | 9.1491% | 515 |
| Net loans and leases to total assets | 69.2835% | 2,905 |
| Net loans and leases to deposits | 78.1616% | 3,799 |
| Net loans and leases to core deposits | 83.3693% | 4,039 |
| Total domestic deposits to total assets | 88.6414% | 1,598 |
| Equity capital to assets | 10.6842% | 3,304 |
| Core capital (leverage) ratio | 9.9196% | 3,334 |
| Tier 1 risk-based capital ratio | 12.1985% | 5,269 |
| Total risk-based capital ratio | 13.4664% | 5,225 |
| Memoranda: | ||
| Average total assets | $137,746,750 | 4,152 |
| Average earning assets | $121,254,750 | 4,256 |
| Average equity | $14,925,500 | 4,003 |
| Average total loans | $103,731,750 | 3,741 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 2,308 |
| Cost of funding earning assets | 0.6620% | 7,272 |
| Net interest margin | 4.8942% | 545 |
| Noninterest income to average assets | 0.7280% | 2,532 |
| Noninterest expense to average assets | 4.7015% | 476 |
| Loan and lease loss provision to assets | 0.0848% | 6,078 |
| Net operating income to assets | 0.1904% | 5,594 |
| Return on assets (ROA) | 0.1915% | 5,710 |
| Pretax return on assets | 0.2558% | 5,641 |
| Return on Equity (ROE) | 1.7590% | 5,708 |
| Retained earnings to average equity (ytd only) | 1.7590% | 4,988 |
| Net charge-offs to loans | 1.2893% | 1,478 |
| Credit loss provision to net charge-offs | 8.5799% | 5,954 |
| Earnings coverage of net charge-offs (x) | 0.3432% | 5,380 |
| Efficiency ratio | 92.8944% | 1,132 |
| Assets per employee ($millions) | 2.8937% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0630% | 782 |
| Loan loss allowance to noncurrent loans | 32.8866% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 8.3917% | 564 |
| Noncurrent loans to loans | 9.3137% | 498 |
| Net loans and leases to total assets | 73.0918% | 2,145 |
| Net loans and leases to deposits | 82.6910% | 3,136 |
| Net loans and leases to core deposits | 87.4100% | 3,635 |
| Total domestic deposits to total assets | 88.3914% | 1,786 |
| Equity capital to assets | 11.0211% | 2,840 |
| Core capital (leverage) ratio | 10.2777% | 2,856 |
| Tier 1 risk-based capital ratio | 11.8570% | 5,439 |
| Total risk-based capital ratio | 13.1259% | 5,391 |
| Memoranda: | ||
| Average total assets | $136,808,000 | 4,196 |
| Average earning assets | $120,551,330 | 4,299 |
| Average equity | $14,894,670 | 4,012 |
| Average total loans | $104,863,000 | 3,744 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5602% | 2,323 |
| Cost of funding earning assets | 0.6818% | 7,370 |
| Net interest margin | 4.8784% | 547 |
| Noninterest income to average assets | 0.6822% | 2,725 |
| Noninterest expense to average assets | 4.5361% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3148% | 5,232 |
| Return on assets (ROA) | 0.3148% | 5,362 |
| Pretax return on assets | 0.4635% | 5,074 |
| Return on Equity (ROE) | 2.9096% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.9096% | 4,386 |
| Net charge-offs to loans | 0.2754% | 3,314 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.1781% | 3,447 |
| Efficiency ratio | 90.3207% | 1,404 |
| Assets per employee ($millions) | 2.8479% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5303% | 534 |
| Loan loss allowance to noncurrent loans | 39.7412% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 7.4294% | 694 |
| Noncurrent loans to loans | 8.8832% | 553 |
| Net loans and leases to total assets | 73.6827% | 2,039 |
| Net loans and leases to deposits | 83.2761% | 3,067 |
| Net loans and leases to core deposits | 87.5938% | 3,667 |
| Total domestic deposits to total assets | 88.4800% | 1,803 |
| Equity capital to assets | 10.9041% | 2,841 |
| Core capital (leverage) ratio | 10.0294% | 3,134 |
| Tier 1 risk-based capital ratio | 11.8142% | 5,378 |
| Total risk-based capital ratio | 13.0890% | 5,304 |
| Memoranda: | ||
| Average total assets | $137,210,500 | 4,244 |
| Average earning assets | $121,434,500 | 4,342 |
| Average equity | $14,847,500 | 4,048 |
| Average total loans | $106,020,500 | 3,777 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2497% | 1,121 |
| Cost of funding earning assets | 0.9968% | 7,214 |
| Net interest margin | 5.2529% | 262 |
| Noninterest income to average assets | 0.5095% | 4,340 |
| Noninterest expense to average assets | 4.5465% | 761 |
| Loan and lease loss provision to assets | 3.1809% | 520 |
| Net operating income to assets | -1.3983% | 6,812 |
| Return on assets (ROA) | -1.3983% | 6,816 |
| Pretax return on assets | -2.5042% | 7,144 |
| Return on Equity (ROE) | -12.2075% | 6,783 |
| Retained earnings to average equity (ytd only) | -12.5182% | 6,718 |
| Net charge-offs to loans | 2.1681% | 1,107 |
| Credit loss provision to net charge-offs | 185.0166% | 2,204 |
| Earnings coverage of net charge-offs (x) | 0.3936% | 5,722 |
| Efficiency ratio | 86.6757% | 2,036 |
| Assets per employee ($millions) | 2.8692% | 6,520 |
| Cash dividends to net income (ytd only)* | -2.5445% | 7,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4925% | 536 |
| Loan loss allowance to noncurrent loans | 37.9199% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 7.4100% | 659 |
| Noncurrent loans to loans | 9.2103% | 481 |
| Net loans and leases to total assets | 75.4219% | 1,942 |
| Net loans and leases to deposits | 85.0530% | 3,071 |
| Net loans and leases to core deposits | 102.8273% | 3,709 |
| Total domestic deposits to total assets | 88.6763% | 1,640 |
| Equity capital to assets | 10.7385% | 2,940 |
| Core capital (leverage) ratio | 10.4466% | 2,652 |
| Tier 1 risk-based capital ratio | 11.8270% | 5,090 |
| Total risk-based capital ratio | 13.1007% | 5,037 |
| Memoranda: | ||
| Average total assets | $140,525,400 | 4,114 |
| Average earning assets | $126,102,000 | 4,169 |
| Average equity | $16,096,600 | 3,854 |
| Average total loans | $111,432,800 | 3,658 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3393% | 1,046 |
| Cost of funding earning assets | 1.0623% | 7,259 |
| Net interest margin | 5.2770% | 267 |
| Noninterest income to average assets | 0.7354% | 2,793 |
| Noninterest expense to average assets | 4.5609% | 689 |
| Loan and lease loss provision to assets | 3.2193% | 431 |
| Net operating income to assets | -1.2915% | 7,009 |
| Return on assets (ROA) | -1.2915% | 7,012 |
| Pretax return on assets | -2.2988% | 7,285 |
| Return on Equity (ROE) | -11.1057% | 6,964 |
| Retained earnings to average equity (ytd only) | -11.5117% | 6,920 |
| Net charge-offs to loans | 2.2779% | 832 |
| Credit loss provision to net charge-offs | 177.6042% | 2,598 |
| Earnings coverage of net charge-offs (x) | 0.5078% | 5,521 |
| Efficiency ratio | 82.8626% | 2,450 |
| Assets per employee ($millions) | 2.8013% | 6,647 |
| Cash dividends to net income (ytd only)* | -3.6553% | 7,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8998% | 724 |
| Loan loss allowance to noncurrent loans | 54.1709% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 4.7238% | 1,264 |
| Noncurrent loans to loans | 5.3531% | 1,190 |
| Net loans and leases to total assets | 77.9415% | 1,586 |
| Net loans and leases to deposits | 88.3756% | 2,889 |
| Net loans and leases to core deposits | 106.7460% | 3,617 |
| Total domestic deposits to total assets | 88.1934% | 1,566 |
| Equity capital to assets | 11.2143% | 2,820 |
| Core capital (leverage) ratio | 10.0460% | 3,234 |
| Tier 1 risk-based capital ratio | 11.3695% | 5,571 |
| Total risk-based capital ratio | 12.6376% | 5,490 |
| Memoranda: | ||
| Average total assets | $141,226,750 | 4,110 |
| Average earning assets | $127,014,250 | 4,183 |
| Average equity | $16,423,500 | 3,828 |
| Average total loans | $112,383,500 | 3,669 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4063% | 996 |
| Cost of funding earning assets | 1.1368% | 7,282 |
| Net interest margin | 5.2695% | 256 |
| Noninterest income to average assets | 0.7422% | 2,746 |
| Noninterest expense to average assets | 4.3690% | 876 |
| Loan and lease loss provision to assets | 1.3609% | 1,269 |
| Net operating income to assets | -0.0687% | 5,949 |
| Return on assets (ROA) | -0.0687% | 6,017 |
| Pretax return on assets | -0.2273% | 6,155 |
| Return on Equity (ROE) | -0.5845% | 6,012 |
| Retained earnings to average equity (ytd only) | -1.1809% | 5,530 |
| Net charge-offs to loans | 0.7284% | 2,230 |
| Credit loss provision to net charge-offs | 235.4369% | 1,969 |
| Earnings coverage of net charge-offs (x) | 1.9612% | 4,119 |
| Efficiency ratio | 79.0668% | 3,184 |
| Assets per employee ($millions) | 2.7610% | 6,718 |
| Cash dividends to net income (ytd only)* | -102.0408% | 8,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 1,574 |
| Loan loss allowance to noncurrent loans | 74.4408% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 3.1626% | 1,984 |
| Noncurrent loans to loans | 2.6831% | 2,683 |
| Net loans and leases to total assets | 80.4332% | 1,238 |
| Net loans and leases to deposits | 92.0996% | 2,457 |
| Net loans and leases to core deposits | 111.7240% | 3,168 |
| Total domestic deposits to total assets | 87.3329% | 2,081 |
| Equity capital to assets | 12.0840% | 2,158 |
| Core capital (leverage) ratio | 11.9474% | 1,855 |
| Tier 1 risk-based capital ratio | 13.2340% | 3,976 |
| Total risk-based capital ratio | 14.4861% | 3,893 |
| Memoranda: | ||
| Average total assets | $142,548,330 | 4,125 |
| Average earning assets | $128,779,000 | 4,164 |
| Average equity | $16,767,000 | 3,761 |
| Average total loans | $113,118,330 | 3,694 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3782% | 1,115 |
| Cost of funding earning assets | 1.2178% | 7,259 |
| Net interest margin | 5.1604% | 300 |
| Noninterest income to average assets | 0.7624% | 2,527 |
| Noninterest expense to average assets | 4.2680% | 880 |
| Loan and lease loss provision to assets | 0.7514% | 1,714 |
| Net operating income to assets | 0.3177% | 5,231 |
| Return on assets (ROA) | 0.3177% | 5,402 |
| Pretax return on assets | 0.4254% | 5,324 |
| Return on Equity (ROE) | 2.7365% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.7365% | 4,367 |
| Net charge-offs to loans | 0.0177% | 5,330 |
| Credit loss provision to net charge-offs | 5,440.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 85.2000% | 496 |
| Efficiency ratio | 78.0315% | 3,160 |
| Assets per employee ($millions) | 2.9115% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 1,972 |
| Loan loss allowance to noncurrent loans | 75.4111% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.9447% | 2,991 |
| Noncurrent loans to loans | 2.3256% | 2,829 |
| Net loans and leases to total assets | 75.8873% | 2,294 |
| Net loans and leases to deposits | 86.4313% | 3,560 |
| Net loans and leases to core deposits | 103.5128% | 4,190 |
| Total domestic deposits to total assets | 87.8008% | 1,839 |
| Equity capital to assets | 11.5913% | 2,531 |
| Core capital (leverage) ratio | 11.6831% | 2,051 |
| Tier 1 risk-based capital ratio | 13.3616% | 3,950 |
| Total risk-based capital ratio | 14.6160% | 3,861 |
| Memoranda: | ||
| Average total assets | $144,797,500 | 4,098 |
| Average earning assets | $131,386,000 | 4,122 |
| Average equity | $16,809,500 | 3,766 |
| Average total loans | $113,027,000 | 3,721 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7408% | 1,901 |
| Cost of funding earning assets | 1.6788% | 7,307 |
| Net interest margin | 5.0620% | 439 |
| Noninterest income to average assets | 0.7018% | 3,117 |
| Noninterest expense to average assets | 4.1679% | 1,182 |
| Loan and lease loss provision to assets | 1.0653% | 1,365 |
| Net operating income to assets | 0.1535% | 5,976 |
| Return on assets (ROA) | 0.1535% | 5,799 |
| Pretax return on assets | 0.0382% | 6,079 |
| Return on Equity (ROE) | 1.3491% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.0493% | 4,597 |
| Net charge-offs to loans | 1.0656% | 1,150 |
| Credit loss provision to net charge-offs | 129.7342% | 4,102 |
| Earnings coverage of net charge-offs (x) | 1.3439% | 5,454 |
| Efficiency ratio | 78.7165% | 2,801 |
| Assets per employee ($millions) | 2.8239% | 6,508 |
| Cash dividends to net income (ytd only)* | 22.2222% | 4,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,687 |
| Loan loss allowance to noncurrent loans | 65.8810% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.9470% | 2,524 |
| Noncurrent loans to loans | 2.2780% | 2,421 |
| Net loans and leases to total assets | 77.7003% | 2,218 |
| Net loans and leases to deposits | 88.4903% | 3,723 |
| Net loans and leases to core deposits | 106.0149% | 4,199 |
| Total domestic deposits to total assets | 87.8066% | 1,556 |
| Equity capital to assets | 11.6269% | 2,547 |
| Core capital (leverage) ratio | 11.8778% | 2,036 |
| Tier 1 risk-based capital ratio | 13.1501% | 4,026 |
| Total risk-based capital ratio | 14.4015% | 3,936 |
| Memoranda: | ||
| Average total assets | $146,619,000 | 3,960 |
| Average earning assets | $132,358,400 | 4,000 |
| Average equity | $16,678,000 | 3,793 |
| Average total loans | $112,990,400 | 3,616 |