Home > Foundation Bank > Performance and Condition Ratios
Foundation Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 3,390 |
| Cost of funding earning assets | 0.1709% | 5,404 |
| Net interest margin | 3.7880% | 2,374 |
| Noninterest income to average assets | 0.3371% | 4,372 |
| Noninterest expense to average assets | 2.5460% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8932% | 2,892 |
| Return on assets (ROA) | 0.8919% | 3,024 |
| Pretax return on assets | 1.3271% | 2,297 |
| Return on Equity (ROE) | 7.8297% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.8297% | 1,230 |
| Net charge-offs to loans | -0.0142% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7041% | 3,726 |
| Assets per employee ($millions) | 9.4386% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9445% | 832 |
| Loan loss allowance to noncurrent loans | 61.7779% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.3202% | 644 |
| Noncurrent loans to loans | 3.1476% | 452 |
| Net loans and leases to total assets | 65.8838% | 3,101 |
| Net loans and leases to deposits | 74.7097% | 3,510 |
| Net loans and leases to core deposits | 80.6458% | 3,397 |
| Total domestic deposits to total assets | 88.1864% | 1,329 |
| Equity capital to assets | 11.5372% | 2,507 |
| Core capital (leverage) ratio | 10.7508% | 2,696 |
| Tier 1 risk-based capital ratio | 12.8648% | 4,275 |
| Total risk-based capital ratio | 14.1247% | 4,186 |
| Memoranda: | ||
| Average total assets | $436,135,000 | 1,556 |
| Average earning assets | $407,338,330 | 1,540 |
| Average equity | $49,682,670 | 1,532 |
| Average total loans | $295,168,670 | 1,542 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,333 |
| Cost of funding earning assets | 0.1738% | 5,435 |
| Net interest margin | 3.7954% | 2,301 |
| Noninterest income to average assets | 0.4783% | 3,275 |
| Noninterest expense to average assets | 2.8122% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8104% | 3,186 |
| Return on assets (ROA) | 0.8104% | 3,314 |
| Pretax return on assets | 1.2008% | 2,699 |
| Return on Equity (ROE) | 7.1607% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.1607% | 1,812 |
| Net charge-offs to loans | 0.0518% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 34.1579% | 1,103 |
| Efficiency ratio | 70.0784% | 3,112 |
| Assets per employee ($millions) | 7.6642% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 940 |
| Loan loss allowance to noncurrent loans | 77.7793% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.7498% | 1,080 |
| Noncurrent loans to loans | 2.4647% | 772 |
| Net loans and leases to total assets | 69.6333% | 2,404 |
| Net loans and leases to deposits | 79.2538% | 2,881 |
| Net loans and leases to core deposits | 81.1931% | 3,215 |
| Total domestic deposits to total assets | 87.8612% | 1,718 |
| Equity capital to assets | 11.8390% | 2,128 |
| Core capital (leverage) ratio | 10.3524% | 3,123 |
| Tier 1 risk-based capital ratio | 12.3133% | 4,721 |
| Total risk-based capital ratio | 13.5735% | 4,607 |
| Memoranda: | ||
| Average total assets | $432,394,500 | 1,573 |
| Average earning assets | $402,693,500 | 1,556 |
| Average equity | $48,933,500 | 1,550 |
| Average total loans | $293,719,500 | 1,548 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 3,831 |
| Cost of funding earning assets | 0.2245% | 5,048 |
| Net interest margin | 3.6401% | 2,978 |
| Noninterest income to average assets | -0.2541% | 6,164 |
| Noninterest expense to average assets | 3.2053% | 1,958 |
| Loan and lease loss provision to assets | 0.6913% | 146 |
| Net operating income to assets | -0.4868% | 6,042 |
| Return on assets (ROA) | -0.4564% | 6,043 |
| Pretax return on assets | -0.7430% | 6,076 |
| Return on Equity (ROE) | -4.2372% | 6,033 |
| Retained earnings to average equity (ytd only) | -4.2372% | 5,879 |
| Net charge-offs to loans | 0.9862% | 206 |
| Credit loss provision to net charge-offs | 105.6045% | 2,382 |
| Earnings coverage of net charge-offs (x) | -0.1516% | 4,280 |
| Efficiency ratio | 103.1944% | 227 |
| Assets per employee ($millions) | 7.6424% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 794 |
| Loan loss allowance to noncurrent loans | 76.6901% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 2.5696% | 591 |
| Noncurrent loans to loans | 2.6126% | 686 |
| Net loans and leases to total assets | 63.7105% | 3,323 |
| Net loans and leases to deposits | 72.2084% | 3,695 |
| Net loans and leases to core deposits | 73.0678% | 4,034 |
| Total domestic deposits to total assets | 88.2315% | 1,521 |
| Equity capital to assets | 10.8203% | 3,005 |
| Core capital (leverage) ratio | 9.7356% | 3,857 |
| Tier 1 risk-based capital ratio | 12.1894% | 4,830 |
| Total risk-based capital ratio | 13.4537% | 4,725 |
| Memoranda: | ||
| Average total assets | $433,370,600 | 1,540 |
| Average earning assets | $400,040,400 | 1,530 |
| Average equity | $46,681,400 | 1,581 |
| Average total loans | $287,664,000 | 1,519 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 3,968 |
| Cost of funding earning assets | 0.2339% | 5,058 |
| Net interest margin | 3.6053% | 3,140 |
| Noninterest income to average assets | 0.0644% | 6,059 |
| Noninterest expense to average assets | 3.0082% | 2,493 |
| Loan and lease loss provision to assets | 0.9270% | 72 |
| Net operating income to assets | -0.3295% | 6,094 |
| Return on assets (ROA) | -0.2887% | 6,094 |
| Pretax return on assets | -0.4827% | 6,129 |
| Return on Equity (ROE) | -2.6832% | 6,092 |
| Retained earnings to average equity (ytd only) | -2.6832% | 5,912 |
| Net charge-offs to loans | 1.3540% | 117 |
| Credit loss provision to net charge-offs | 102.6027% | 2,209 |
| Earnings coverage of net charge-offs (x) | 0.4212% | 3,953 |
| Efficiency ratio | 88.7692% | 778 |
| Assets per employee ($millions) | 7.8114% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 1,044 |
| Loan loss allowance to noncurrent loans | 51.7360% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 3.7160% | 331 |
| Noncurrent loans to loans | 3.6968% | 394 |
| Net loans and leases to total assets | 63.3409% | 3,400 |
| Net loans and leases to deposits | 71.5478% | 3,821 |
| Net loans and leases to core deposits | 72.3703% | 4,159 |
| Total domestic deposits to total assets | 88.5295% | 1,287 |
| Equity capital to assets | 10.6301% | 3,435 |
| Core capital (leverage) ratio | 9.6963% | 4,036 |
| Tier 1 risk-based capital ratio | 11.9595% | 5,106 |
| Total risk-based capital ratio | 13.2212% | 5,019 |
| Memoranda: | ||
| Average total assets | $430,898,750 | 1,558 |
| Average earning assets | $397,326,250 | 1,553 |
| Average equity | $46,361,250 | 1,602 |
| Average total loans | $287,536,000 | 1,522 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 3,787 |
| Cost of funding earning assets | 0.2418% | 5,036 |
| Net interest margin | 3.6333% | 2,969 |
| Noninterest income to average assets | 0.2476% | 5,179 |
| Noninterest expense to average assets | 3.0339% | 2,449 |
| Loan and lease loss provision to assets | 1.4236% | 43 |
| Net operating income to assets | -0.5355% | 6,197 |
| Return on assets (ROA) | -0.4714% | 6,191 |
| Pretax return on assets | -0.7607% | 6,228 |
| Return on Equity (ROE) | -4.3619% | 6,180 |
| Retained earnings to average equity (ytd only) | -4.3619% | 5,992 |
| Net charge-offs to loans | 2.1339% | 66 |
| Credit loss provision to net charge-offs | 98.8127% | 2,089 |
| Earnings coverage of net charge-offs (x) | 0.3905% | 3,664 |
| Efficiency ratio | 84.3572% | 1,224 |
| Assets per employee ($millions) | 7.8922% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9456% | 1,078 |
| Loan loss allowance to noncurrent loans | 51.4760% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 4.2053% | 302 |
| Noncurrent loans to loans | 3.7797% | 438 |
| Net loans and leases to total assets | 64.7853% | 3,150 |
| Net loans and leases to deposits | 73.0658% | 3,611 |
| Net loans and leases to core deposits | 78.0587% | 3,563 |
| Total domestic deposits to total assets | 88.6671% | 1,318 |
| Equity capital to assets | 10.7127% | 3,206 |
| Core capital (leverage) ratio | 10.0087% | 3,588 |
| Tier 1 risk-based capital ratio | 12.3748% | 4,894 |
| Total risk-based capital ratio | 13.6389% | 4,790 |
| Memoranda: | ||
| Average total assets | $420,908,000 | 1,596 |
| Average earning assets | $387,968,670 | 1,593 |
| Average equity | $45,484,670 | 1,635 |
| Average total loans | $284,177,330 | 1,538 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 3,903 |
| Cost of funding earning assets | 0.2546% | 4,972 |
| Net interest margin | 3.5716% | 3,118 |
| Noninterest income to average assets | 0.1989% | 5,525 |
| Noninterest expense to average assets | 2.9165% | 2,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3968% | 5,077 |
| Return on assets (ROA) | 0.3968% | 5,191 |
| Pretax return on assets | 0.5870% | 4,950 |
| Return on Equity (ROE) | 3.6552% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.6552% | 3,814 |
| Net charge-offs to loans | 0.1810% | 1,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 2,452 |
| Efficiency ratio | 83.2461% | 1,459 |
| Assets per employee ($millions) | 7.3134% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 1,202 |
| Loan loss allowance to noncurrent loans | 40.4899% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 4.8594% | 260 |
| Noncurrent loans to loans | 4.7968% | 296 |
| Net loans and leases to total assets | 64.2133% | 3,063 |
| Net loans and leases to deposits | 73.4153% | 3,382 |
| Net loans and leases to core deposits | 74.5397% | 3,734 |
| Total domestic deposits to total assets | 87.4658% | 2,130 |
| Equity capital to assets | 11.2104% | 2,744 |
| Core capital (leverage) ratio | 10.8785% | 2,536 |
| Tier 1 risk-based capital ratio | 12.9312% | 4,643 |
| Total risk-based capital ratio | 14.1929% | 4,551 |
| Memoranda: | ||
| Average total assets | $414,326,000 | 1,627 |
| Average earning assets | $383,361,500 | 1,618 |
| Average equity | $44,976,500 | 1,662 |
| Average total loans | $282,868,500 | 1,549 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 2,981 |
| Cost of funding earning assets | 0.2644% | 5,171 |
| Net interest margin | 3.9254% | 2,138 |
| Noninterest income to average assets | 0.2086% | 5,615 |
| Noninterest expense to average assets | 3.1598% | 2,330 |
| Loan and lease loss provision to assets | 0.2031% | 1,245 |
| Net operating income to assets | 0.3231% | 5,458 |
| Return on assets (ROA) | 0.3389% | 5,478 |
| Pretax return on assets | 0.5154% | 5,210 |
| Return on Equity (ROE) | 3.1340% | 5,427 |
| Retained earnings to average equity (ytd only) | 3.1340% | 4,007 |
| Net charge-offs to loans | 0.1471% | 2,564 |
| Credit loss provision to net charge-offs | 186.2651% | 1,316 |
| Earnings coverage of net charge-offs (x) | 6.3711% | 3,213 |
| Efficiency ratio | 81.9805% | 1,662 |
| Assets per employee ($millions) | 6.7315% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 1,139 |
| Loan loss allowance to noncurrent loans | 44.7731% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 4.8031% | 300 |
| Noncurrent loans to loans | 4.4287% | 383 |
| Net loans and leases to total assets | 69.8859% | 2,256 |
| Net loans and leases to deposits | 80.5758% | 2,660 |
| Net loans and leases to core deposits | 81.8675% | 3,127 |
| Total domestic deposits to total assets | 86.7330% | 2,433 |
| Equity capital to assets | 10.4696% | 3,522 |
| Core capital (leverage) ratio | 9.5392% | 4,191 |
| Tier 1 risk-based capital ratio | 12.7822% | 4,867 |
| Total risk-based capital ratio | 14.0404% | 4,774 |
| Memoranda: | ||
| Average total assets | $380,693,200 | 1,723 |
| Average earning assets | $353,567,000 | 1,694 |
| Average equity | $41,161,200 | 1,741 |
| Average total loans | $282,186,000 | 1,510 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 3,404 |
| Cost of funding earning assets | 0.2433% | 5,473 |
| Net interest margin | 3.8508% | 2,432 |
| Noninterest income to average assets | 0.3233% | 4,847 |
| Noninterest expense to average assets | 3.1628% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4741% | 4,978 |
| Return on assets (ROA) | 0.4840% | 5,004 |
| Pretax return on assets | 0.7446% | 4,542 |
| Return on Equity (ROE) | 4.4393% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.4393% | 3,492 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2608% | 1,715 |
| Assets per employee ($millions) | 6.7969% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 1,613 |
| Loan loss allowance to noncurrent loans | 44.6615% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 5.4318% | 288 |
| Noncurrent loans to loans | 4.1121% | 499 |
| Net loans and leases to total assets | 71.2908% | 1,974 |
| Net loans and leases to deposits | 80.3495% | 2,639 |
| Net loans and leases to core deposits | 82.5763% | 3,049 |
| Total domestic deposits to total assets | 88.7258% | 1,386 |
| Equity capital to assets | 10.5142% | 3,537 |
| Core capital (leverage) ratio | 9.9408% | 3,755 |
| Tier 1 risk-based capital ratio | 12.6246% | 5,083 |
| Total risk-based capital ratio | 13.8808% | 4,998 |
| Memoranda: | ||
| Average total assets | $376,576,750 | 1,749 |
| Average earning assets | $349,013,750 | 1,724 |
| Average equity | $41,056,250 | 1,750 |
| Average total loans | $281,939,250 | 1,515 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,221 |
| Cost of funding earning assets | 0.2445% | 5,541 |
| Net interest margin | 3.8874% | 2,224 |
| Noninterest income to average assets | 0.3895% | 4,317 |
| Noninterest expense to average assets | 3.1681% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5298% | 4,691 |
| Return on assets (ROA) | 0.5449% | 4,722 |
| Pretax return on assets | 0.8384% | 4,124 |
| Return on Equity (ROE) | 4.9358% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.9358% | 2,998 |
| Net charge-offs to loans | 0.1626% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.6272% | 2,745 |
| Efficiency ratio | 79.5341% | 2,087 |
| Assets per employee ($millions) | 6.7106% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 1,837 |
| Loan loss allowance to noncurrent loans | 33.0464% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 6.6193% | 203 |
| Noncurrent loans to loans | 5.4525% | 337 |
| Net loans and leases to total assets | 71.6668% | 1,801 |
| Net loans and leases to deposits | 80.9241% | 2,394 |
| Net loans and leases to core deposits | 83.2408% | 2,817 |
| Total domestic deposits to total assets | 88.5606% | 1,603 |
| Equity capital to assets | 10.8645% | 3,015 |
| Core capital (leverage) ratio | 10.3243% | 3,176 |
| Tier 1 risk-based capital ratio | 12.7125% | 5,079 |
| Total risk-based capital ratio | 13.9682% | 5,022 |
| Memoranda: | ||
| Average total assets | $370,696,330 | 1,770 |
| Average earning assets | $342,694,670 | 1,750 |
| Average equity | $40,925,330 | 1,748 |
| Average total loans | $280,486,000 | 1,521 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 2,859 |
| Cost of funding earning assets | 0.2433% | 5,653 |
| Net interest margin | 3.9620% | 1,880 |
| Noninterest income to average assets | 0.5285% | 3,201 |
| Noninterest expense to average assets | 3.1996% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6546% | 3,925 |
| Return on assets (ROA) | 0.6546% | 4,022 |
| Pretax return on assets | 1.0077% | 3,291 |
| Return on Equity (ROE) | 5.8804% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.8804% | 2,606 |
| Net charge-offs to loans | 0.2347% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.5697% | 2,358 |
| Efficiency ratio | 76.0490% | 2,799 |
| Assets per employee ($millions) | 6.5289% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 1,982 |
| Loan loss allowance to noncurrent loans | 31.7737% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 5.9302% | 292 |
| Noncurrent loans to loans | 5.7255% | 338 |
| Net loans and leases to total assets | 75.1784% | 1,103 |
| Net loans and leases to deposits | 85.1824% | 1,706 |
| Net loans and leases to core deposits | 87.7364% | 2,124 |
| Total domestic deposits to total assets | 88.2557% | 2,078 |
| Equity capital to assets | 11.2435% | 2,488 |
| Core capital (leverage) ratio | 10.5035% | 2,929 |
| Tier 1 risk-based capital ratio | 12.9673% | 5,024 |
| Total risk-based capital ratio | 14.2240% | 4,954 |
| Memoranda: | ||
| Average total assets | $364,793,500 | 1,801 |
| Average earning assets | $338,714,500 | 1,781 |
| Average equity | $40,609,500 | 1,756 |
| Average total loans | $281,150,500 | 1,526 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 2,741 |
| Cost of funding earning assets | 0.2768% | 5,787 |
| Net interest margin | 4.0812% | 1,699 |
| Noninterest income to average assets | 0.3788% | 4,602 |
| Noninterest expense to average assets | 3.1425% | 2,614 |
| Loan and lease loss provision to assets | 0.4753% | 593 |
| Net operating income to assets | 1.9736% | 358 |
| Return on assets (ROA) | 1.9621% | 361 |
| Pretax return on assets | 0.5497% | 5,046 |
| Return on Equity (ROE) | 19.5079% | 310 |
| Retained earnings to average equity (ytd only) | 19.5079% | 85 |
| Net charge-offs to loans | 2.0478% | 182 |
| Credit loss provision to net charge-offs | 29.2347% | 4,267 |
| Earnings coverage of net charge-offs (x) | 0.6375% | 4,870 |
| Efficiency ratio | 75.1990% | 2,916 |
| Assets per employee ($millions) | 6.3854% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 1,881 |
| Loan loss allowance to noncurrent loans | 31.5644% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 6.2621% | 297 |
| Noncurrent loans to loans | 5.8999% | 356 |
| Net loans and leases to total assets | 76.1285% | 1,054 |
| Net loans and leases to deposits | 86.3441% | 1,639 |
| Net loans and leases to core deposits | 87.5405% | 2,288 |
| Total domestic deposits to total assets | 88.1688% | 2,077 |
| Equity capital to assets | 11.0204% | 2,594 |
| Core capital (leverage) ratio | 10.3869% | 3,037 |
| Tier 1 risk-based capital ratio | 12.6021% | 5,230 |
| Total risk-based capital ratio | 13.8596% | 5,173 |
| Memoranda: | ||
| Average total assets | $357,673,800 | 1,811 |
| Average earning assets | $333,041,600 | 1,789 |
| Average equity | $35,975,200 | 1,918 |
| Average total loans | $283,960,800 | 1,489 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 2,751 |
| Cost of funding earning assets | 0.2858% | 5,846 |
| Net interest margin | 4.0703% | 1,726 |
| Noninterest income to average assets | 0.4212% | 4,362 |
| Noninterest expense to average assets | 3.1215% | 2,589 |
| Loan and lease loss provision to assets | 0.2621% | 1,347 |
| Net operating income to assets | 0.8293% | 3,198 |
| Return on assets (ROA) | 0.8271% | 3,334 |
| Pretax return on assets | 0.8271% | 4,197 |
| Return on Equity (ROE) | 8.4292% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.4292% | 1,244 |
| Net charge-offs to loans | 2.4203% | 133 |
| Credit loss provision to net charge-offs | 13.5606% | 4,173 |
| Earnings coverage of net charge-offs (x) | 0.5647% | 4,672 |
| Efficiency ratio | 74.0935% | 3,048 |
| Assets per employee ($millions) | 6.4052% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 2,479 |
| Loan loss allowance to noncurrent loans | 28.3529% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 6.4243% | 342 |
| Noncurrent loans to loans | 6.1488% | 399 |
| Net loans and leases to total assets | 75.8120% | 1,028 |
| Net loans and leases to deposits | 84.6522% | 1,784 |
| Net loans and leases to core deposits | 86.3557% | 2,370 |
| Total domestic deposits to total assets | 89.5571% | 1,256 |
| Equity capital to assets | 9.7612% | 4,229 |
| Core capital (leverage) ratio | 10.1093% | 3,509 |
| Tier 1 risk-based capital ratio | 12.5148% | 5,449 |
| Total risk-based capital ratio | 13.7708% | 5,390 |
| Memoranda: | ||
| Average total assets | $356,099,750 | 1,829 |
| Average earning assets | $331,730,000 | 1,805 |
| Average equity | $34,941,250 | 1,985 |
| Average total loans | $284,365,250 | 1,492 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,879 |
| Cost of funding earning assets | 0.2932% | 5,881 |
| Net interest margin | 4.0235% | 1,783 |
| Noninterest income to average assets | 0.4622% | 4,078 |
| Noninterest expense to average assets | 3.2234% | 2,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9924% | 2,361 |
| Return on assets (ROA) | 0.9890% | 2,521 |
| Pretax return on assets | 0.9890% | 3,560 |
| Return on Equity (ROE) | 10.0608% | 2,174 |
| Retained earnings to average equity (ytd only) | 10.0608% | 830 |
| Net charge-offs to loans | 2.7940% | 117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.4396% | 4,395 |
| Efficiency ratio | 76.4611% | 2,714 |
| Assets per employee ($millions) | 6.3334% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,067 |
| Loan loss allowance to noncurrent loans | 31.9081% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 6.6636% | 357 |
| Noncurrent loans to loans | 6.0111% | 469 |
| Net loans and leases to total assets | 79.0976% | 626 |
| Net loans and leases to deposits | 88.5333% | 1,281 |
| Net loans and leases to core deposits | 90.5576% | 1,856 |
| Total domestic deposits to total assets | 89.3422% | 1,416 |
| Equity capital to assets | 10.0773% | 3,822 |
| Core capital (leverage) ratio | 10.3770% | 3,012 |
| Tier 1 risk-based capital ratio | 12.4998% | 5,497 |
| Total risk-based capital ratio | 13.7582% | 5,433 |
| Memoranda: | ||
| Average total assets | $353,100,330 | 1,845 |
| Average earning assets | $329,414,330 | 1,815 |
| Average equity | $34,709,000 | 2,007 |
| Average total loans | $285,254,000 | 1,488 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2617% | 3,052 |
| Cost of funding earning assets | 0.3032% | 5,943 |
| Net interest margin | 3.9585% | 1,923 |
| Noninterest income to average assets | 0.6391% | 2,935 |
| Noninterest expense to average assets | 3.0753% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2513% | 1,399 |
| Return on assets (ROA) | 1.2445% | 1,512 |
| Pretax return on assets | 1.2445% | 2,420 |
| Return on Equity (ROE) | 12.8187% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.8187% | 579 |
| Net charge-offs to loans | -0.0167% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0793% | 3,776 |
| Assets per employee ($millions) | 6.4232% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2842% | 499 |
| Loan loss allowance to noncurrent loans | 42.7173% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 8.3799% | 290 |
| Noncurrent loans to loans | 7.6883% | 359 |
| Net loans and leases to total assets | 79.6807% | 453 |
| Net loans and leases to deposits | 89.1311% | 1,038 |
| Net loans and leases to core deposits | 91.2614% | 1,583 |
| Total domestic deposits to total assets | 89.3972% | 1,420 |
| Equity capital to assets | 10.0951% | 4,023 |
| Core capital (leverage) ratio | 10.1336% | 3,238 |
| Tier 1 risk-based capital ratio | 12.0384% | 5,894 |
| Total risk-based capital ratio | 13.3134% | 5,829 |
| Memoranda: | ||
| Average total assets | $355,481,500 | 1,862 |
| Average earning assets | $331,135,000 | 1,829 |
| Average equity | $34,512,000 | 2,046 |
| Average total loans | $287,423,500 | 1,477 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 2,845 |
| Cost of funding earning assets | 0.4105% | 5,846 |
| Net interest margin | 4.2297% | 1,578 |
| Noninterest income to average assets | 0.1614% | 6,227 |
| Noninterest expense to average assets | 3.4139% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6674% | 3,899 |
| Return on assets (ROA) | 0.7678% | 3,677 |
| Pretax return on assets | 0.7678% | 4,420 |
| Return on Equity (ROE) | 8.1236% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.1236% | 1,080 |
| Net charge-offs to loans | 0.6354% | 1,843 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.3243% | 4,801 |
| Efficiency ratio | 83.6476% | 1,669 |
| Assets per employee ($millions) | 6.7428% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2423% | 529 |
| Loan loss allowance to noncurrent loans | 53.3588% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 7.0748% | 436 |
| Noncurrent loans to loans | 6.0764% | 587 |
| Net loans and leases to total assets | 76.8213% | 817 |
| Net loans and leases to deposits | 85.3661% | 1,598 |
| Net loans and leases to core deposits | 87.5406% | 2,143 |
| Total domestic deposits to total assets | 89.9904% | 957 |
| Equity capital to assets | 9.3403% | 5,096 |
| Core capital (leverage) ratio | 9.5644% | 4,016 |
| Tier 1 risk-based capital ratio | 11.3900% | 6,165 |
| Total risk-based capital ratio | 12.6641% | 6,127 |
| Memoranda: | ||
| Average total assets | $345,670,200 | 1,873 |
| Average earning assets | $320,351,200 | 1,851 |
| Average equity | $32,670,400 | 2,113 |
| Average total loans | $274,160,200 | 1,516 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 2,724 |
| Cost of funding earning assets | 0.4369% | 5,886 |
| Net interest margin | 4.2816% | 1,528 |
| Noninterest income to average assets | 0.1439% | 6,425 |
| Noninterest expense to average assets | 3.4707% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6388% | 4,198 |
| Return on assets (ROA) | 0.7744% | 3,829 |
| Pretax return on assets | 0.7744% | 4,579 |
| Return on Equity (ROE) | 8.1683% | 3,202 |
| Retained earnings to average equity (ytd only) | 8.1683% | 1,547 |
| Net charge-offs to loans | 0.9999% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.8057% | 4,929 |
| Efficiency ratio | 84.4559% | 1,539 |
| Assets per employee ($millions) | 6.9288% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1906% | 602 |
| Loan loss allowance to noncurrent loans | 50.3017% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 7.4843% | 449 |
| Noncurrent loans to loans | 6.3430% | 615 |
| Net loans and leases to total assets | 78.0255% | 726 |
| Net loans and leases to deposits | 86.8291% | 1,507 |
| Net loans and leases to core deposits | 89.0248% | 2,102 |
| Total domestic deposits to total assets | 89.8610% | 919 |
| Equity capital to assets | 9.4395% | 5,276 |
| Core capital (leverage) ratio | 9.3782% | 4,463 |
| Tier 1 risk-based capital ratio | 11.1361% | 6,426 |
| Total risk-based capital ratio | 12.4088% | 6,387 |
| Memoranda: | ||
| Average total assets | $341,060,250 | 1,912 |
| Average earning assets | $315,884,500 | 1,897 |
| Average equity | $32,335,750 | 2,146 |
| Average total loans | $270,428,500 | 1,547 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 2,465 |
| Cost of funding earning assets | 0.4611% | 5,899 |
| Net interest margin | 4.3487% | 1,343 |
| Noninterest income to average assets | 0.0896% | 6,719 |
| Noninterest expense to average assets | 3.6384% | 1,493 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4873% | 4,880 |
| Return on assets (ROA) | 0.7016% | 4,127 |
| Pretax return on assets | 0.7016% | 4,829 |
| Return on Equity (ROE) | 7.3885% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.3885% | 1,919 |
| Net charge-offs to loans | 1.2468% | 861 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4958% | 4,826 |
| Efficiency ratio | 88.1887% | 1,219 |
| Assets per employee ($millions) | 7.0531% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4784% | 502 |
| Loan loss allowance to noncurrent loans | 43.0522% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 8.5920% | 373 |
| Noncurrent loans to loans | 8.0794% | 421 |
| Net loans and leases to total assets | 74.4298% | 1,187 |
| Net loans and leases to deposits | 82.5019% | 2,045 |
| Net loans and leases to core deposits | 84.7092% | 2,602 |
| Total domestic deposits to total assets | 90.2159% | 805 |
| Equity capital to assets | 9.1634% | 5,504 |
| Core capital (leverage) ratio | 9.5828% | 4,028 |
| Tier 1 risk-based capital ratio | 11.4838% | 6,227 |
| Total risk-based capital ratio | 12.7603% | 6,190 |
| Memoranda: | ||
| Average total assets | $336,957,670 | 1,932 |
| Average earning assets | $312,738,670 | 1,911 |
| Average equity | $31,995,670 | 2,152 |
| Average total loans | $265,636,670 | 1,567 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 2,145 |
| Cost of funding earning assets | 0.4974% | 5,835 |
| Net interest margin | 4.4309% | 1,161 |
| Noninterest income to average assets | 0.0948% | 6,773 |
| Noninterest expense to average assets | 3.6195% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5785% | 4,447 |
| Return on assets (ROA) | 0.5785% | 4,671 |
| Pretax return on assets | 0.5785% | 5,189 |
| Return on Equity (ROE) | 5.9807% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.9807% | 2,969 |
| Net charge-offs to loans | 0.4983% | 1,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.4557% | 3,597 |
| Efficiency ratio | 86.2189% | 1,459 |
| Assets per employee ($millions) | 6.3949% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1196% | 337 |
| Loan loss allowance to noncurrent loans | 44.6671% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 9.7171% | 318 |
| Noncurrent loans to loans | 9.2230% | 354 |
| Net loans and leases to total assets | 74.0806% | 1,044 |
| Net loans and leases to deposits | 82.4438% | 1,872 |
| Net loans and leases to core deposits | 84.7499% | 2,445 |
| Total domestic deposits to total assets | 89.8560% | 1,158 |
| Equity capital to assets | 9.4814% | 4,833 |
| Core capital (leverage) ratio | 9.5507% | 3,979 |
| Tier 1 risk-based capital ratio | 11.4689% | 6,300 |
| Total risk-based capital ratio | 12.7363% | 6,271 |
| Memoranda: | ||
| Average total assets | $329,110,000 | 1,976 |
| Average earning assets | $304,769,500 | 1,953 |
| Average equity | $31,836,000 | 2,164 |
| Average total loans | $262,486,000 | 1,596 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 3,384 |
| Cost of funding earning assets | 0.8634% | 4,368 |
| Net interest margin | 4.0314% | 2,725 |
| Noninterest income to average assets | -0.2165% | 7,166 |
| Noninterest expense to average assets | 3.7134% | 1,514 |
| Loan and lease loss provision to assets | 1.0553% | 874 |
| Net operating income to assets | -1.2431% | 6,834 |
| Return on assets (ROA) | -1.2608% | 6,860 |
| Pretax return on assets | -1.2608% | 6,831 |
| Return on Equity (ROE) | -14.7143% | 6,885 |
| Retained earnings to average equity (ytd only) | -14.7143% | 6,863 |
| Net charge-offs to loans | 4.2116% | 134 |
| Credit loss provision to net charge-offs | 31.2931% | 5,763 |
| Earnings coverage of net charge-offs (x) | -0.0557% | 5,865 |
| Efficiency ratio | 105.3293% | 530 |
| Assets per employee ($millions) | 6.1402% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2246% | 320 |
| Loan loss allowance to noncurrent loans | 37.3500% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 11.4190% | 246 |
| Noncurrent loans to loans | 11.3107% | 254 |
| Net loans and leases to total assets | 78.9212% | 619 |
| Net loans and leases to deposits | 88.3524% | 1,333 |
| Net loans and leases to core deposits | 90.9150% | 2,000 |
| Total domestic deposits to total assets | 89.3254% | 1,347 |
| Equity capital to assets | 9.8772% | 4,334 |
| Core capital (leverage) ratio | 9.2334% | 4,419 |
| Tier 1 risk-based capital ratio | 11.3294% | 6,277 |
| Total risk-based capital ratio | 12.6177% | 6,231 |
| Memoranda: | ||
| Average total assets | $356,595,800 | 1,817 |
| Average earning assets | $331,000,600 | 1,788 |
| Average equity | $30,555,400 | 2,154 |
| Average total loans | $285,521,200 | 1,495 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 3,738 |
| Cost of funding earning assets | 0.9253% | 4,233 |
| Net interest margin | 3.9336% | 3,216 |
| Noninterest income to average assets | -0.0466% | 7,157 |
| Noninterest expense to average assets | 3.7595% | 1,382 |
| Loan and lease loss provision to assets | 0.4278% | 2,333 |
| Net operating income to assets | -0.5844% | 6,688 |
| Return on assets (ROA) | -0.5943% | 6,736 |
| Pretax return on assets | -0.5943% | 6,675 |
| Return on Equity (ROE) | -7.1746% | 6,777 |
| Retained earnings to average equity (ytd only) | -7.1746% | 6,717 |
| Net charge-offs to loans | 3.2127% | 276 |
| Credit loss provision to net charge-offs | 16.7356% | 5,600 |
| Earnings coverage of net charge-offs (x) | -0.0613% | 5,638 |
| Efficiency ratio | 104.3487% | 542 |
| Assets per employee ($millions) | 6.4551% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8303% | 211 |
| Loan loss allowance to noncurrent loans | 44.9257% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 11.1075% | 283 |
| Noncurrent loans to loans | 10.7518% | 310 |
| Net loans and leases to total assets | 76.5160% | 908 |
| Net loans and leases to deposits | 84.9470% | 1,845 |
| Net loans and leases to core deposits | 93.8922% | 1,801 |
| Total domestic deposits to total assets | 90.0750% | 823 |
| Equity capital to assets | 8.5807% | 6,221 |
| Core capital (leverage) ratio | 8.3293% | 5,938 |
| Tier 1 risk-based capital ratio | 9.9717% | 6,965 |
| Total risk-based capital ratio | 11.2638% | 6,934 |
| Memoranda: | ||
| Average total assets | $365,921,750 | 1,779 |
| Average earning assets | $339,496,500 | 1,757 |
| Average equity | $30,310,000 | 2,179 |
| Average total loans | $291,125,500 | 1,477 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 3,996 |
| Cost of funding earning assets | 0.9657% | 4,208 |
| Net interest margin | 3.8558% | 3,508 |
| Noninterest income to average assets | -0.3379% | 7,393 |
| Noninterest expense to average assets | 3.3812% | 2,313 |
| Loan and lease loss provision to assets | 0.6317% | 1,518 |
| Net operating income to assets | -0.7673% | 6,850 |
| Return on assets (ROA) | -0.7818% | 6,871 |
| Pretax return on assets | -0.7818% | 6,815 |
| Return on Equity (ROE) | -9.5456% | 6,924 |
| Retained earnings to average equity (ytd only) | -9.5456% | 6,860 |
| Net charge-offs to loans | 3.2604% | 295 |
| Credit loss provision to net charge-offs | 24.4329% | 5,074 |
| Earnings coverage of net charge-offs (x) | -0.0524% | 5,314 |
| Efficiency ratio | 104.1777% | 612 |
| Assets per employee ($millions) | 6.3598% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5625% | 138 |
| Loan loss allowance to noncurrent loans | 52.6288% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 10.7312% | 337 |
| Noncurrent loans to loans | 10.5693% | 347 |
| Net loans and leases to total assets | 72.4721% | 1,693 |
| Net loans and leases to deposits | 79.8056% | 2,834 |
| Net loans and leases to core deposits | 91.1346% | 2,233 |
| Total domestic deposits to total assets | 90.8109% | 583 |
| Equity capital to assets | 8.1254% | 6,578 |
| Core capital (leverage) ratio | 8.0896% | 6,180 |
| Tier 1 risk-based capital ratio | 10.1083% | 6,948 |
| Total risk-based capital ratio | 11.4102% | 6,919 |
| Memoranda: | ||
| Average total assets | $371,704,330 | 1,764 |
| Average earning assets | $345,456,670 | 1,732 |
| Average equity | $30,443,330 | 2,157 |
| Average total loans | $294,750,000 | 1,474 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 3,879 |
| Cost of funding earning assets | 1.0186% | 4,068 |
| Net interest margin | 3.8199% | 3,512 |
| Noninterest income to average assets | -0.2144% | 7,438 |
| Noninterest expense to average assets | 3.4895% | 2,029 |
| Loan and lease loss provision to assets | 0.9627% | 815 |
| Net operating income to assets | -1.1085% | 7,070 |
| Return on assets (ROA) | -1.1374% | 7,086 |
| Pretax return on assets | -1.1374% | 7,038 |
| Return on Equity (ROE) | -13.8336% | 7,125 |
| Retained earnings to average equity (ytd only) | -13.8336% | 7,007 |
| Net charge-offs to loans | 5.7953% | 118 |
| Credit loss provision to net charge-offs | 20.6200% | 4,247 |
| Earnings coverage of net charge-offs (x) | -0.0312% | 4,603 |
| Efficiency ratio | 104.3604% | 615 |
| Assets per employee ($millions) | 7.0196% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3985% | 149 |
| Loan loss allowance to noncurrent loans | 57.5831% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 10.1493% | 403 |
| Noncurrent loans to loans | 9.3751% | 456 |
| Net loans and leases to total assets | 73.5971% | 1,405 |
| Net loans and leases to deposits | 80.8805% | 2,547 |
| Net loans and leases to core deposits | 97.8465% | 1,538 |
| Total domestic deposits to total assets | 90.9949% | 630 |
| Equity capital to assets | 7.9491% | 6,546 |
| Core capital (leverage) ratio | 7.9014% | 6,362 |
| Tier 1 risk-based capital ratio | 10.0685% | 6,981 |
| Total risk-based capital ratio | 11.3702% | 6,966 |
| Memoranda: | ||
| Average total assets | $373,121,500 | 1,767 |
| Average earning assets | $347,547,500 | 1,733 |
| Average equity | $30,679,000 | 2,134 |
| Average total loans | $300,588,000 | 1,458 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 4,948 |
| Cost of funding earning assets | 1.3259% | 3,714 |
| Net interest margin | 3.5880% | 4,874 |
| Noninterest income to average assets | -0.2654% | 7,499 |
| Noninterest expense to average assets | 2.7214% | 4,891 |
| Loan and lease loss provision to assets | 4.1998% | 141 |
| Net operating income to assets | -3.2659% | 7,343 |
| Return on assets (ROA) | -3.2873% | 7,358 |
| Pretax return on assets | -3.8347% | 7,410 |
| Return on Equity (ROE) | -38.7261% | 7,334 |
| Retained earnings to average equity (ytd only) | -38.7261% | 7,327 |
| Net charge-offs to loans | 2.9262% | 579 |
| Credit loss provision to net charge-offs | 187.8202% | 1,727 |
| Earnings coverage of net charge-offs (x) | 0.1744% | 5,933 |
| Efficiency ratio | 87.4686% | 1,523 |
| Assets per employee ($millions) | 6.9280% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3266% | 94 |
| Loan loss allowance to noncurrent loans | 78.8292% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 9.5380% | 449 |
| Noncurrent loans to loans | 8.0257% | 644 |
| Net loans and leases to total assets | 78.1359% | 927 |
| Net loans and leases to deposits | 87.2628% | 1,898 |
| Net loans and leases to core deposits | 107.4580% | 1,092 |
| Total domestic deposits to total assets | 89.5409% | 1,362 |
| Equity capital to assets | 8.5042% | 5,850 |
| Core capital (leverage) ratio | 7.4898% | 6,717 |
| Tier 1 risk-based capital ratio | 10.0699% | 6,947 |
| Total risk-based capital ratio | 11.3834% | 6,894 |
| Memoranda: | ||
| Average total assets | $434,736,800 | 1,538 |
| Average earning assets | $409,145,400 | 1,485 |
| Average equity | $36,902,800 | 1,798 |
| Average total loans | $332,210,400 | 1,342 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 5,529 |
| Cost of funding earning assets | 1.3564% | 3,856 |
| Net interest margin | 3.4780% | 5,380 |
| Noninterest income to average assets | -0.0744% | 7,521 |
| Noninterest expense to average assets | 2.5622% | 5,460 |
| Loan and lease loss provision to assets | 4.1922% | 138 |
| Net operating income to assets | -2.8606% | 7,421 |
| Return on assets (ROA) | -2.8864% | 7,441 |
| Pretax return on assets | -3.5799% | 7,513 |
| Return on Equity (ROE) | -34.0162% | 7,440 |
| Retained earnings to average equity (ytd only) | -34.0162% | 7,436 |
| Net charge-offs to loans | 2.9273% | 546 |
| Credit loss provision to net charge-offs | 190.9629% | 1,880 |
| Earnings coverage of net charge-offs (x) | 0.2934% | 5,734 |
| Efficiency ratio | 79.9098% | 2,352 |
| Assets per employee ($millions) | 7.7663% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4348% | 132 |
| Loan loss allowance to noncurrent loans | 45.0530% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 10.2561% | 388 |
| Noncurrent loans to loans | 12.0632% | 288 |
| Net loans and leases to total assets | 70.4291% | 2,631 |
| Net loans and leases to deposits | 78.6045% | 3,709 |
| Net loans and leases to core deposits | 105.4058% | 1,369 |
| Total domestic deposits to total assets | 89.5993% | 1,071 |
| Equity capital to assets | 8.1871% | 6,622 |
| Core capital (leverage) ratio | 8.0026% | 6,338 |
| Tier 1 risk-based capital ratio | 10.7467% | 6,594 |
| Total risk-based capital ratio | 12.0481% | 6,533 |
| Memoranda: | ||
| Average total assets | $451,625,500 | 1,494 |
| Average earning assets | $426,018,500 | 1,444 |
| Average equity | $38,322,000 | 1,741 |
| Average total loans | $338,693,500 | 1,330 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 4,841 |
| Cost of funding earning assets | 1.3872% | 3,957 |
| Net interest margin | 3.6343% | 4,665 |
| Noninterest income to average assets | -0.0420% | 7,582 |
| Noninterest expense to average assets | 2.5879% | 5,365 |
| Loan and lease loss provision to assets | 5.2494% | 95 |
| Net operating income to assets | -3.6336% | 7,591 |
| Return on assets (ROA) | -3.6724% | 7,598 |
| Pretax return on assets | -4.4917% | 7,647 |
| Return on Equity (ROE) | -42.8022% | 7,552 |
| Retained earnings to average equity (ytd only) | -42.8022% | 7,545 |
| Net charge-offs to loans | 3.0691% | 510 |
| Credit loss provision to net charge-offs | 227.5744% | 1,702 |
| Earnings coverage of net charge-offs (x) | 0.3489% | 5,378 |
| Efficiency ratio | 76.2764% | 3,024 |
| Assets per employee ($millions) | 8.1419% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3112% | 144 |
| Loan loss allowance to noncurrent loans | 74.1286% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 6.3612% | 895 |
| Noncurrent loans to loans | 7.1649% | 775 |
| Net loans and leases to total assets | 71.2326% | 2,604 |
| Net loans and leases to deposits | 79.4404% | 3,704 |
| Net loans and leases to core deposits | 115.0798% | 879 |
| Total domestic deposits to total assets | 89.6680% | 1,090 |
| Equity capital to assets | 8.2219% | 6,510 |
| Core capital (leverage) ratio | 7.8012% | 6,495 |
| Tier 1 risk-based capital ratio | 10.6562% | 6,559 |
| Total risk-based capital ratio | 11.9560% | 6,512 |
| Memoranda: | ||
| Average total assets | $457,196,000 | 1,494 |
| Average earning assets | $432,105,670 | 1,440 |
| Average equity | $39,227,000 | 1,694 |
| Average total loans | $343,621,330 | 1,334 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 4,754 |
| Cost of funding earning assets | 1.4059% | 4,139 |
| Net interest margin | 3.6501% | 4,487 |
| Noninterest income to average assets | 0.1270% | 7,043 |
| Noninterest expense to average assets | 2.4852% | 5,785 |
| Loan and lease loss provision to assets | 7.3826% | 74 |
| Net operating income to assets | -4.0887% | 7,720 |
| Return on assets (ROA) | -4.0887% | 7,723 |
| Pretax return on assets | -6.2906% | 7,812 |
| Return on Equity (ROE) | -46.7350% | 7,696 |
| Retained earnings to average equity (ytd only) | -46.7350% | 7,686 |
| Net charge-offs to loans | 4.6633% | 269 |
| Credit loss provision to net charge-offs | 210.7327% | 1,767 |
| Earnings coverage of net charge-offs (x) | 0.3117% | 4,764 |
| Efficiency ratio | 69.4744% | 4,415 |
| Assets per employee ($millions) | 8.2982% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5037% | 254 |
| Loan loss allowance to noncurrent loans | 100.3201% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 4.5596% | 1,478 |
| Noncurrent loans to loans | 4.4894% | 1,667 |
| Net loans and leases to total assets | 68.8519% | 3,190 |
| Net loans and leases to deposits | 76.6873% | 4,288 |
| Net loans and leases to core deposits | 110.1443% | 1,260 |
| Total domestic deposits to total assets | 89.7826% | 1,093 |
| Equity capital to assets | 8.3571% | 6,217 |
| Core capital (leverage) ratio | 8.0958% | 6,084 |
| Tier 1 risk-based capital ratio | 11.1381% | 6,017 |
| Total risk-based capital ratio | 12.4268% | 5,939 |
| Memoranda: | ||
| Average total assets | $465,961,500 | 1,504 |
| Average earning assets | $440,428,500 | 1,445 |
| Average equity | $40,766,000 | 1,639 |
| Average total loans | $350,056,000 | 1,352 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 4,719 |
| Cost of funding earning assets | 1.6071% | 4,998 |
| Net interest margin | 3.7880% | 3,761 |
| Noninterest income to average assets | 0.0425% | 7,532 |
| Noninterest expense to average assets | 2.2953% | 6,762 |
| Loan and lease loss provision to assets | 2.6402% | 731 |
| Net operating income to assets | -0.8533% | 6,475 |
| Return on assets (ROA) | -0.7852% | 6,424 |
| Pretax return on assets | -1.2202% | 6,551 |
| Return on Equity (ROE) | -9.0342% | 6,541 |
| Retained earnings to average equity (ytd only) | -9.0342% | 6,433 |
| Net charge-offs to loans | 2.3374% | 992 |
| Credit loss provision to net charge-offs | 138.7510% | 3,538 |
| Earnings coverage of net charge-offs (x) | 0.6904% | 5,407 |
| Efficiency ratio | 63.6011% | 5,846 |
| Assets per employee ($millions) | 7.5234% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0188% | 763 |
| Loan loss allowance to noncurrent loans | 89.8914% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 3.8024% | 1,748 |
| Noncurrent loans to loans | 3.3583% | 2,271 |
| Net loans and leases to total assets | 75.8828% | 1,827 |
| Net loans and leases to deposits | 86.9118% | 2,751 |
| Net loans and leases to core deposits | 101.3471% | 3,867 |
| Total domestic deposits to total assets | 87.3101% | 2,317 |
| Equity capital to assets | 9.1525% | 4,915 |
| Core capital (leverage) ratio | 9.0661% | 4,312 |
| Tier 1 risk-based capital ratio | 11.2798% | 5,631 |
| Total risk-based capital ratio | 12.5508% | 5,564 |
| Memoranda: | ||
| Average total assets | $463,680,800 | 1,493 |
| Average earning assets | $436,562,800 | 1,450 |
| Average equity | $40,302,600 | 1,657 |
| Average total loans | $377,476,600 | 1,272 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3148% | 5,347 |
| Cost of funding earning assets | 1.6684% | 5,069 |
| Net interest margin | 3.6464% | 4,291 |
| Noninterest income to average assets | 0.2607% | 6,365 |
| Noninterest expense to average assets | 2.2807% | 6,754 |
| Loan and lease loss provision to assets | 0.7443% | 2,511 |
| Net operating income to assets | 0.4317% | 4,271 |
| Return on assets (ROA) | 0.4317% | 4,374 |
| Pretax return on assets | 0.6640% | 3,972 |
| Return on Equity (ROE) | 5.0320% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.0320% | 2,474 |
| Net charge-offs to loans | 1.0075% | 1,955 |
| Credit loss provision to net charge-offs | 89.8857% | 5,486 |
| Earnings coverage of net charge-offs (x) | 1.7007% | 4,524 |
| Efficiency ratio | 61.8255% | 6,146 |
| Assets per employee ($millions) | 8.4260% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 1,972 |
| Loan loss allowance to noncurrent loans | 48.1039% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 4.4248% | 1,390 |
| Noncurrent loans to loans | 3.9966% | 1,837 |
| Net loans and leases to total assets | 78.4758% | 1,487 |
| Net loans and leases to deposits | 89.8948% | 2,604 |
| Net loans and leases to core deposits | 129.1549% | 1,492 |
| Total domestic deposits to total assets | 87.2974% | 2,019 |
| Equity capital to assets | 9.2821% | 5,063 |
| Core capital (leverage) ratio | 9.2689% | 4,232 |
| Tier 1 risk-based capital ratio | 11.1064% | 5,848 |
| Total risk-based capital ratio | 12.3644% | 5,794 |
| Memoranda: | ||
| Average total assets | $464,869,750 | 1,502 |
| Average earning assets | $437,057,000 | 1,459 |
| Average equity | $39,877,500 | 1,704 |
| Average total loans | $382,074,500 | 1,278 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3878% | 5,217 |
| Cost of funding earning assets | 1.7162% | 5,192 |
| Net interest margin | 3.6716% | 4,080 |
| Noninterest income to average assets | 0.2802% | 6,264 |
| Noninterest expense to average assets | 2.3767% | 6,537 |
| Loan and lease loss provision to assets | 0.5566% | 2,791 |
| Net operating income to assets | 0.5183% | 4,023 |
| Return on assets (ROA) | 0.5183% | 4,136 |
| Pretax return on assets | 0.7977% | 3,684 |
| Return on Equity (ROE) | 6.2115% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.2115% | 1,922 |
| Net charge-offs to loans | 0.3743% | 3,322 |
| Credit loss provision to net charge-offs | 179.3629% | 2,548 |
| Earnings coverage of net charge-offs (x) | 4.3643% | 3,116 |
| Efficiency ratio | 63.7023% | 5,968 |
| Assets per employee ($millions) | 8.0623% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0884% | 1,416 |
| Loan loss allowance to noncurrent loans | 216.8158% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 1.5076% | 3,969 |
| Noncurrent loans to loans | 0.9632% | 5,294 |
| Net loans and leases to total assets | 81.5562% | 1,037 |
| Net loans and leases to deposits | 93.4884% | 2,173 |
| Net loans and leases to core deposits | 141.7098% | 943 |
| Total domestic deposits to total assets | 87.2367% | 2,133 |
| Equity capital to assets | 9.2288% | 4,965 |
| Core capital (leverage) ratio | 9.2528% | 4,231 |
| Tier 1 risk-based capital ratio | 10.7876% | 6,096 |
| Total risk-based capital ratio | 12.0478% | 6,023 |
| Memoranda: | ||
| Average total assets | $465,349,000 | 1,528 |
| Average earning assets | $437,361,670 | 1,476 |
| Average equity | $38,831,330 | 1,754 |
| Average total loans | $385,829,000 | 1,282 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 6,393 |
| Cost of funding earning assets | 1.7114% | 5,553 |
| Net interest margin | 3.4637% | 4,881 |
| Noninterest income to average assets | 0.2648% | 6,330 |
| Noninterest expense to average assets | 2.3637% | 6,327 |
| Loan and lease loss provision to assets | 0.5510% | 2,269 |
| Net operating income to assets | 0.4408% | 4,692 |
| Return on assets (ROA) | 0.4408% | 4,865 |
| Pretax return on assets | 0.6783% | 4,502 |
| Return on Equity (ROE) | 5.5721% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.5721% | 2,834 |
| Net charge-offs to loans | 0.3883% | 2,545 |
| Credit loss provision to net charge-offs | 171.5426% | 2,498 |
| Earnings coverage of net charge-offs (x) | 3.8271% | 3,051 |
| Efficiency ratio | 65.7870% | 5,367 |
| Assets per employee ($millions) | 8.5289% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 1,455 |
| Loan loss allowance to noncurrent loans | 389.9594% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 5,579 |
| Noncurrent loans to loans | 0.5089% | 6,153 |
| Net loans and leases to total assets | 76.7786% | 2,093 |
| Net loans and leases to deposits | 86.2159% | 3,588 |
| Net loans and leases to core deposits | 127.0819% | 1,845 |
| Total domestic deposits to total assets | 89.0539% | 1,208 |
| Equity capital to assets | 7.7594% | 7,119 |
| Core capital (leverage) ratio | 8.2410% | 6,015 |
| Tier 1 risk-based capital ratio | 9.3861% | 7,517 |
| Total risk-based capital ratio | 10.6444% | 7,470 |
| Memoranda: | ||
| Average total assets | $468,247,000 | 1,528 |
| Average earning assets | $449,928,500 | 1,434 |
| Average equity | $37,041,500 | 1,848 |
| Average total loans | $387,349,500 | 1,286 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4092% | 3,366 |
| Cost of funding earning assets | 2.2435% | 5,401 |
| Net interest margin | 4.1658% | 2,449 |
| Noninterest income to average assets | 0.1789% | 7,160 |
| Noninterest expense to average assets | 2.3321% | 6,612 |
| Loan and lease loss provision to assets | 1.4167% | 972 |
| Net operating income to assets | 0.2789% | 5,620 |
| Return on assets (ROA) | 0.2789% | 5,432 |
| Pretax return on assets | 0.4273% | 5,184 |
| Return on Equity (ROE) | 3.1965% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.1965% | 3,157 |
| Net charge-offs to loans | 0.5225% | 2,277 |
| Credit loss provision to net charge-offs | 313.9658% | 1,438 |
| Earnings coverage of net charge-offs (x) | 4.0866% | 4,107 |
| Efficiency ratio | 55.8449% | 7,035 |
| Assets per employee ($millions) | 7.8896% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 1,383 |
| Loan loss allowance to noncurrent loans | 210.3458% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 4,859 |
| Noncurrent loans to loans | 0.9111% | 4,800 |
| Net loans and leases to total assets | 85.9591% | 607 |
| Net loans and leases to deposits | 97.5541% | 2,187 |
| Net loans and leases to core deposits | 130.7884% | 1,795 |
| Total domestic deposits to total assets | 88.1143% | 1,424 |
| Equity capital to assets | 8.0800% | 6,734 |
| Core capital (leverage) ratio | 8.3477% | 5,856 |
| Tier 1 risk-based capital ratio | 8.7007% | 7,947 |
| Total risk-based capital ratio | 9.9593% | 8,016 |
| Memoranda: | ||
| Average total assets | $376,094,800 | 1,796 |
| Average earning assets | $360,869,800 | 1,723 |
| Average equity | $32,817,200 | 2,064 |
| Average total loans | $324,758,800 | 1,499 |