Home > Independence National Bank > Performance and Condition Ratios
Independence National Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,175 |
| Cost of funding earning assets | 0.5067% | 2,271 |
| Net interest margin | 4.2024% | 1,184 |
| Noninterest income to average assets | 0.5485% | 2,728 |
| Noninterest expense to average assets | 5.0994% | 209 |
| Loan and lease loss provision to assets | 0.1206% | 1,897 |
| Net operating income to assets | -1.0470% | 5,593 |
| Return on assets (ROA) | -1.0470% | 5,593 |
| Pretax return on assets | -1.0470% | 5,601 |
| Return on Equity (ROE) | -11.8298% | 5,605 |
| Retained earnings to average equity (ytd only) | -11.8298% | 5,560 |
| Net charge-offs to loans | 0.2628% | 989 |
| Credit loss provision to net charge-offs | 68.8312% | 3,101 |
| Earnings coverage of net charge-offs (x) | -5.2857% | 4,073 |
| Efficiency ratio | 122.1980% | 59 |
| Assets per employee ($millions) | 3.4336% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3660% | 293 |
| Loan loss allowance to noncurrent loans | 209.4156% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 2.1782% | 484 |
| Noncurrent loans to loans | 1.1298% | 1,567 |
| Net loans and leases to total assets | 64.5965% | 3,282 |
| Net loans and leases to deposits | 71.1487% | 3,780 |
| Net loans and leases to core deposits | 83.7482% | 3,077 |
| Total domestic deposits to total assets | 90.7908% | 301 |
| Equity capital to assets | 8.9216% | 4,798 |
| Core capital (leverage) ratio | 8.7722% | 4,883 |
| Tier 1 risk-based capital ratio | 11.6481% | 4,756 |
| Total risk-based capital ratio | 12.9078% | 4,632 |
| Memoranda: | ||
| Average total assets | $87,873,200 | 4,461 |
| Average earning assets | $75,790,600 | 4,541 |
| Average equity | $7,777,000 | 4,815 |
| Average total loans | $58,602,200 | 4,235 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,262 |
| Cost of funding earning assets | 0.4821% | 2,415 |
| Net interest margin | 4.1613% | 1,247 |
| Noninterest income to average assets | 0.5423% | 2,763 |
| Noninterest expense to average assets | 5.0783% | 212 |
| Loan and lease loss provision to assets | 0.2689% | 616 |
| Net operating income to assets | -1.1938% | 5,683 |
| Return on assets (ROA) | -1.1938% | 5,685 |
| Pretax return on assets | -1.1938% | 5,680 |
| Return on Equity (ROE) | -13.5136% | 5,693 |
| Retained earnings to average equity (ytd only) | -13.5136% | 5,648 |
| Net charge-offs to loans | 0.3265% | 643 |
| Credit loss provision to net charge-offs | 123.2877% | 1,973 |
| Earnings coverage of net charge-offs (x) | -4.2398% | 3,752 |
| Efficiency ratio | 122.2662% | 59 |
| Assets per employee ($millions) | 2.9736% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4906% | 267 |
| Loan loss allowance to noncurrent loans | 212.0556% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 3.0568% | 289 |
| Noncurrent loans to loans | 1.1745% | 1,636 |
| Net loans and leases to total assets | 62.2917% | 3,616 |
| Net loans and leases to deposits | 72.0894% | 3,763 |
| Net loans and leases to core deposits | 84.8956% | 3,054 |
| Total domestic deposits to total assets | 86.4089% | 2,127 |
| Equity capital to assets | 8.7843% | 5,094 |
| Core capital (leverage) ratio | 8.5480% | 5,210 |
| Tier 1 risk-based capital ratio | 11.7384% | 4,812 |
| Total risk-based capital ratio | 13.8622% | 4,158 |
| Memoranda: | ||
| Average total assets | $89,239,750 | 4,483 |
| Average earning assets | $77,442,750 | 4,554 |
| Average equity | $7,883,250 | 4,849 |
| Average total loans | $59,622,250 | 4,251 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 1,264 |
| Cost of funding earning assets | 0.4554% | 2,551 |
| Net interest margin | 4.1374% | 1,231 |
| Noninterest income to average assets | 0.4277% | 3,504 |
| Noninterest expense to average assets | 5.0088% | 218 |
| Loan and lease loss provision to assets | 0.4144% | 313 |
| Net operating income to assets | -1.4118% | 5,744 |
| Return on assets (ROA) | -1.4118% | 5,744 |
| Pretax return on assets | -1.4118% | 5,742 |
| Return on Equity (ROE) | -15.9529% | 5,744 |
| Retained earnings to average equity (ytd only) | -15.9529% | 5,707 |
| Net charge-offs to loans | 0.3828% | 539 |
| Credit loss provision to net charge-offs | 159.8291% | 1,466 |
| Earnings coverage of net charge-offs (x) | -3.8462% | 3,454 |
| Efficiency ratio | 124.8619% | 54 |
| Assets per employee ($millions) | 3.2050% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3428% | 355 |
| Loan loss allowance to noncurrent loans | 213.3333% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 3.1358% | 280 |
| Noncurrent loans to loans | 1.0982% | 1,781 |
| Net loans and leases to total assets | 65.4008% | 3,194 |
| Net loans and leases to deposits | 75.4525% | 3,414 |
| Net loans and leases to core deposits | 86.2150% | 2,859 |
| Total domestic deposits to total assets | 86.6780% | 2,098 |
| Equity capital to assets | 8.6217% | 5,207 |
| Core capital (leverage) ratio | 8.6048% | 5,140 |
| Tier 1 risk-based capital ratio | 11.1807% | 5,156 |
| Total risk-based capital ratio | 12.4395% | 5,042 |
| Memoranda: | ||
| Average total assets | $90,242,000 | 4,492 |
| Average earning assets | $78,165,670 | 4,563 |
| Average equity | $7,986,000 | 4,864 |
| Average total loans | $61,133,670 | 4,237 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 1,910 |
| Cost of funding earning assets | 0.4312% | 2,708 |
| Net interest margin | 3.8859% | 1,831 |
| Noninterest income to average assets | 0.4774% | 3,142 |
| Noninterest expense to average assets | 5.3617% | 199 |
| Loan and lease loss provision to assets | 0.8443% | 116 |
| Net operating income to assets | -2.3427% | 5,827 |
| Return on assets (ROA) | -2.3427% | 5,827 |
| Pretax return on assets | -2.3427% | 5,822 |
| Return on Equity (ROE) | -26.1390% | 5,831 |
| Retained earnings to average equity (ytd only) | -26.1390% | 5,777 |
| Net charge-offs to loans | 0.7656% | 223 |
| Credit loss provision to net charge-offs | 161.8644% | 1,157 |
| Earnings coverage of net charge-offs (x) | -2.8729% | 2,896 |
| Efficiency ratio | 138.7872% | 42 |
| Assets per employee ($millions) | 3.0188% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2461% | 443 |
| Loan loss allowance to noncurrent loans | 168.7799% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 3.5599% | 236 |
| Noncurrent loans to loans | 1.3308% | 1,522 |
| Net loans and leases to total assets | 67.8073% | 2,708 |
| Net loans and leases to deposits | 78.4028% | 2,929 |
| Net loans and leases to core deposits | 88.4958% | 2,497 |
| Total domestic deposits to total assets | 86.4858% | 2,447 |
| Equity capital to assets | 8.6646% | 5,099 |
| Core capital (leverage) ratio | 8.6901% | 5,059 |
| Tier 1 risk-based capital ratio | 10.9031% | 5,361 |
| Total risk-based capital ratio | 12.1626% | 5,280 |
| Memoranda: | ||
| Average total assets | $90,493,500 | 4,533 |
| Average earning assets | $78,849,500 | 4,597 |
| Average equity | $8,110,500 | 4,884 |
| Average total loans | $61,651,500 | 4,253 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,229 |
| Cost of funding earning assets | 0.3909% | 3,092 |
| Net interest margin | 3.8843% | 2,010 |
| Noninterest income to average assets | 0.2776% | 4,756 |
| Noninterest expense to average assets | 5.0211% | 255 |
| Loan and lease loss provision to assets | 0.4380% | 332 |
| Net operating income to assets | -1.6959% | 5,874 |
| Return on assets (ROA) | -1.3763% | 5,857 |
| Pretax return on assets | -1.3763% | 5,851 |
| Return on Equity (ROE) | -13.5556% | 5,854 |
| Retained earnings to average equity (ytd only) | -13.5556% | 5,815 |
| Net charge-offs to loans | 0.3247% | 848 |
| Credit loss provision to net charge-offs | 195.6731% | 1,443 |
| Earnings coverage of net charge-offs (x) | -5.6202% | 4,224 |
| Efficiency ratio | 133.4287% | 50 |
| Assets per employee ($millions) | 2.7401% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2122% | 458 |
| Loan loss allowance to noncurrent loans | 438.6885% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 2.7957% | 392 |
| Noncurrent loans to loans | 0.5043% | 3,340 |
| Net loans and leases to total assets | 65.4092% | 3,158 |
| Net loans and leases to deposits | 72.5207% | 3,657 |
| Net loans and leases to core deposits | 81.4187% | 3,268 |
| Total domestic deposits to total assets | 90.1939% | 564 |
| Equity capital to assets | 9.2609% | 4,508 |
| Core capital (leverage) ratio | 9.0041% | 4,740 |
| Tier 1 risk-based capital ratio | 12.1374% | 4,632 |
| Total risk-based capital ratio | 13.3958% | 4,498 |
| Memoranda: | ||
| Average total assets | $92,927,800 | 4,493 |
| Average earning assets | $83,387,600 | 4,531 |
| Average equity | $9,435,200 | 4,668 |
| Average total loans | $64,053,000 | 4,176 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,089 |
| Cost of funding earning assets | 0.3854% | 3,171 |
| Net interest margin | 3.9422% | 1,844 |
| Noninterest income to average assets | 0.3406% | 4,343 |
| Noninterest expense to average assets | 4.6047% | 349 |
| Loan and lease loss provision to assets | -0.0969% | 5,788 |
| Net operating income to assets | -0.6100% | 5,870 |
| Return on assets (ROA) | -0.6100% | 5,874 |
| Pretax return on assets | -0.6100% | 5,868 |
| Return on Equity (ROE) | -5.8827% | 5,877 |
| Retained earnings to average equity (ytd only) | -5.8827% | 5,761 |
| Net charge-offs to loans | 0.4475% | 475 |
| Credit loss provision to net charge-offs | -31.1927% | 4,655 |
| Earnings coverage of net charge-offs (x) | -2.2752% | 3,874 |
| Efficiency ratio | 118.1353% | 87 |
| Assets per employee ($millions) | 2.8279% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,451 |
| Loan loss allowance to noncurrent loans | 257.7039% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 2.8439% | 430 |
| Noncurrent loans to loans | 0.5227% | 3,430 |
| Net loans and leases to total assets | 66.9496% | 2,963 |
| Net loans and leases to deposits | 74.9074% | 3,510 |
| Net loans and leases to core deposits | 83.8575% | 3,136 |
| Total domestic deposits to total assets | 89.3765% | 734 |
| Equity capital to assets | 10.1799% | 3,942 |
| Core capital (leverage) ratio | 9.9867% | 3,587 |
| Tier 1 risk-based capital ratio | 12.2587% | 4,636 |
| Total risk-based capital ratio | 13.3912% | 4,613 |
| Memoranda: | ||
| Average total assets | $93,554,000 | 4,516 |
| Average earning assets | $84,418,500 | 4,544 |
| Average equity | $9,700,500 | 4,678 |
| Average total loans | $64,945,500 | 4,190 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,125 |
| Cost of funding earning assets | 0.3720% | 3,342 |
| Net interest margin | 3.9378% | 1,849 |
| Noninterest income to average assets | 0.2157% | 5,195 |
| Noninterest expense to average assets | 4.5497% | 371 |
| Loan and lease loss provision to assets | -0.1452% | 5,911 |
| Net operating income to assets | -0.5938% | 5,937 |
| Return on assets (ROA) | -0.5938% | 5,940 |
| Pretax return on assets | -0.5938% | 5,932 |
| Return on Equity (ROE) | -5.6924% | 5,937 |
| Retained earnings to average equity (ytd only) | -5.6924% | 5,776 |
| Net charge-offs to loans | 0.6658% | 309 |
| Credit loss provision to net charge-offs | -31.1927% | 4,496 |
| Earnings coverage of net charge-offs (x) | -1.5872% | 3,602 |
| Efficiency ratio | 119.3946% | 92 |
| Assets per employee ($millions) | 2.7039% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 2,604 |
| Loan loss allowance to noncurrent loans | 255.3892% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 2.9228% | 427 |
| Noncurrent loans to loans | 0.5220% | 3,520 |
| Net loans and leases to total assets | 68.6660% | 2,685 |
| Net loans and leases to deposits | 77.0873% | 3,258 |
| Net loans and leases to core deposits | 84.9621% | 2,992 |
| Total domestic deposits to total assets | 89.0756% | 884 |
| Equity capital to assets | 10.4860% | 3,647 |
| Core capital (leverage) ratio | 10.2518% | 3,268 |
| Tier 1 risk-based capital ratio | 12.0020% | 4,828 |
| Total risk-based capital ratio | 13.0933% | 4,826 |
| Memoranda: | ||
| Average total assets | $93,631,670 | 4,542 |
| Average earning assets | $85,479,670 | 4,551 |
| Average equity | $9,767,330 | 4,692 |
| Average total loans | $65,483,670 | 4,208 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 2,359 |
| Cost of funding earning assets | 0.3654% | 3,451 |
| Net interest margin | 3.8669% | 2,049 |
| Noninterest income to average assets | 0.8383% | 1,481 |
| Noninterest expense to average assets | 4.4411% | 410 |
| Loan and lease loss provision to assets | -0.2879% | 6,047 |
| Net operating income to assets | 0.2244% | 5,483 |
| Return on assets (ROA) | 0.2244% | 5,543 |
| Pretax return on assets | 0.2244% | 5,611 |
| Return on Equity (ROE) | 2.1564% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.1564% | 4,394 |
| Net charge-offs to loans | -0.0121% | 4,612 |
| Credit loss provision to net charge-offs | 3,400.0000% | 122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4507% | 259 |
| Assets per employee ($millions) | 2.7166% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 1,475 |
| Loan loss allowance to noncurrent loans | 80.1943% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 3.0867% | 403 |
| Noncurrent loans to loans | 2.0607% | 1,028 |
| Net loans and leases to total assets | 69.1355% | 2,476 |
| Net loans and leases to deposits | 77.6906% | 3,035 |
| Net loans and leases to core deposits | 85.5969% | 2,786 |
| Total domestic deposits to total assets | 88.9883% | 1,105 |
| Equity capital to assets | 10.7129% | 3,239 |
| Core capital (leverage) ratio | 10.2734% | 3,234 |
| Tier 1 risk-based capital ratio | 12.9006% | 4,323 |
| Total risk-based capital ratio | 14.1521% | 4,236 |
| Memoranda: | ||
| Average total assets | $94,481,500 | 4,567 |
| Average earning assets | $86,478,500 | 4,571 |
| Average equity | $9,831,000 | 4,698 |
| Average total loans | $66,236,000 | 4,212 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,418 |
| Cost of funding earning assets | 0.3530% | 3,671 |
| Net interest margin | 3.6202% | 3,056 |
| Noninterest income to average assets | 0.0649% | 5,966 |
| Noninterest expense to average assets | 4.0100% | 666 |
| Loan and lease loss provision to assets | 0.1520% | 1,549 |
| Net operating income to assets | -0.8077% | 6,087 |
| Return on assets (ROA) | -0.8969% | 6,100 |
| Pretax return on assets | -0.8918% | 6,092 |
| Return on Equity (ROE) | -8.6812% | 6,093 |
| Retained earnings to average equity (ytd only) | -8.6812% | 6,015 |
| Net charge-offs to loans | 0.0655% | 2,923 |
| Credit loss provision to net charge-offs | 340.9091% | 879 |
| Earnings coverage of net charge-offs (x) | -14.5909% | 4,434 |
| Efficiency ratio | 119.3665% | 95 |
| Assets per employee ($millions) | 3.0196% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 1,383 |
| Loan loss allowance to noncurrent loans | 68.4084% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 3.0778% | 420 |
| Noncurrent loans to loans | 2.4651% | 755 |
| Net loans and leases to total assets | 68.7202% | 2,587 |
| Net loans and leases to deposits | 76.7833% | 3,172 |
| Net loans and leases to core deposits | 83.8930% | 2,975 |
| Total domestic deposits to total assets | 89.4989% | 857 |
| Equity capital to assets | 10.1389% | 3,820 |
| Core capital (leverage) ratio | 9.9955% | 3,516 |
| Tier 1 risk-based capital ratio | 12.8444% | 4,424 |
| Total risk-based capital ratio | 14.0979% | 4,317 |
| Memoranda: | ||
| Average total assets | $98,677,200 | 4,483 |
| Average earning assets | $89,801,000 | 4,509 |
| Average equity | $10,194,400 | 4,623 |
| Average total loans | $67,193,400 | 4,167 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 3,370 |
| Cost of funding earning assets | 0.3487% | 3,769 |
| Net interest margin | 3.6446% | 2,979 |
| Noninterest income to average assets | -0.0430% | 6,217 |
| Noninterest expense to average assets | 3.9251% | 721 |
| Loan and lease loss provision to assets | 0.2016% | 995 |
| Net operating income to assets | -0.8603% | 6,182 |
| Return on assets (ROA) | -0.9786% | 6,188 |
| Pretax return on assets | -0.9718% | 6,183 |
| Return on Equity (ROE) | -9.4294% | 6,178 |
| Retained earnings to average equity (ytd only) | -9.4294% | 6,119 |
| Net charge-offs to loans | 0.0874% | 2,294 |
| Credit loss provision to net charge-offs | 340.9091% | 859 |
| Earnings coverage of net charge-offs (x) | -11.0218% | 4,143 |
| Efficiency ratio | 119.9179% | 96 |
| Assets per employee ($millions) | 3.1731% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 1,382 |
| Loan loss allowance to noncurrent loans | 46.2820% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 3.8327% | 316 |
| Noncurrent loans to loans | 3.7614% | 381 |
| Net loans and leases to total assets | 65.3576% | 3,098 |
| Net loans and leases to deposits | 72.8231% | 3,668 |
| Net loans and leases to core deposits | 79.4093% | 3,475 |
| Total domestic deposits to total assets | 89.7484% | 676 |
| Equity capital to assets | 10.0737% | 4,074 |
| Core capital (leverage) ratio | 9.8236% | 3,874 |
| Tier 1 risk-based capital ratio | 13.3428% | 4,220 |
| Total risk-based capital ratio | 14.5964% | 4,143 |
| Memoranda: | ||
| Average total assets | $99,189,500 | 4,527 |
| Average earning assets | $90,250,000 | 4,552 |
| Average equity | $10,293,750 | 4,654 |
| Average total loans | $67,106,250 | 4,206 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 2,876 |
| Cost of funding earning assets | 0.3443% | 3,875 |
| Net interest margin | 3.7612% | 2,472 |
| Noninterest income to average assets | -0.0885% | 6,300 |
| Noninterest expense to average assets | 3.9371% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.6093% | 6,208 |
| Return on assets (ROA) | -0.6093% | 6,217 |
| Pretax return on assets | -0.5992% | 6,202 |
| Return on Equity (ROE) | -5.8146% | 6,205 |
| Retained earnings to average equity (ytd only) | -5.8146% | 6,054 |
| Net charge-offs to loans | 0.1301% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -6.7727% | 3,832 |
| Efficiency ratio | 117.9518% | 115 |
| Assets per employee ($millions) | 3.3223% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 2,303 |
| Loan loss allowance to noncurrent loans | 313.9683% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 1.5768% | 1,534 |
| Noncurrent loans to loans | 0.4773% | 4,042 |
| Net loans and leases to total assets | 63.1224% | 3,397 |
| Net loans and leases to deposits | 70.1358% | 3,919 |
| Net loans and leases to core deposits | 77.2745% | 3,644 |
| Total domestic deposits to total assets | 90.0002% | 664 |
| Equity capital to assets | 9.8221% | 4,251 |
| Core capital (leverage) ratio | 10.5964% | 2,852 |
| Tier 1 risk-based capital ratio | 13.8249% | 4,020 |
| Total risk-based capital ratio | 15.0758% | 3,950 |
| Memoranda: | ||
| Average total assets | $99,464,330 | 4,563 |
| Average earning assets | $90,608,330 | 4,583 |
| Average equity | $10,422,000 | 4,666 |
| Average total loans | $67,665,670 | 4,223 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 2,454 |
| Cost of funding earning assets | 0.3475% | 3,888 |
| Net interest margin | 3.8543% | 2,050 |
| Noninterest income to average assets | 0.3726% | 4,226 |
| Noninterest expense to average assets | 3.9631% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0942% | 6,100 |
| Return on assets (ROA) | -0.0942% | 6,124 |
| Pretax return on assets | -0.0942% | 6,114 |
| Return on Equity (ROE) | -0.8700% | 6,117 |
| Retained earnings to average equity (ytd only) | -0.8700% | 5,529 |
| Net charge-offs to loans | 0.2569% | 934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.5227% | 3,149 |
| Efficiency ratio | 102.4339% | 307 |
| Assets per employee ($millions) | 3.1146% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 2,649 |
| Loan loss allowance to noncurrent loans | 517.8010% | 993 |
| Noncurrent assets plus other real estate owned to assets | 1.8580% | 1,310 |
| Noncurrent loans to loans | 0.2810% | 4,774 |
| Net loans and leases to total assets | 69.3715% | 2,226 |
| Net loans and leases to deposits | 78.0701% | 2,793 |
| Net loans and leases to core deposits | 85.8632% | 2,563 |
| Total domestic deposits to total assets | 88.8580% | 1,356 |
| Equity capital to assets | 10.9752% | 2,997 |
| Core capital (leverage) ratio | 11.1454% | 2,271 |
| Tier 1 risk-based capital ratio | 14.1918% | 3,886 |
| Total risk-based capital ratio | 15.4422% | 3,814 |
| Memoranda: | ||
| Average total assets | $97,700,500 | 4,629 |
| Average earning assets | $88,628,000 | 4,665 |
| Average equity | $10,575,000 | 4,682 |
| Average total loans | $68,498,500 | 4,219 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 2,185 |
| Cost of funding earning assets | 0.3335% | 4,452 |
| Net interest margin | 4.0764% | 1,659 |
| Noninterest income to average assets | 0.3721% | 4,409 |
| Noninterest expense to average assets | 3.8673% | 892 |
| Loan and lease loss provision to assets | -0.0304% | 5,968 |
| Net operating income to assets | 0.2292% | 5,705 |
| Return on assets (ROA) | 0.2292% | 5,769 |
| Pretax return on assets | 0.2292% | 5,822 |
| Return on Equity (ROE) | 2.2930% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.2930% | 4,607 |
| Net charge-offs to loans | 0.2125% | 1,970 |
| Credit loss provision to net charge-offs | -21.4286% | 5,358 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 4,426 |
| Efficiency ratio | 95.1122% | 539 |
| Assets per employee ($millions) | 3.6610% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 2,497 |
| Loan loss allowance to noncurrent loans | 193.4457% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9212% | 1,340 |
| Noncurrent loans to loans | 0.7736% | 3,378 |
| Net loans and leases to total assets | 68.7871% | 2,444 |
| Net loans and leases to deposits | 81.9126% | 2,483 |
| Net loans and leases to core deposits | 89.4893% | 2,335 |
| Total domestic deposits to total assets | 83.9762% | 3,726 |
| Equity capital to assets | 10.6761% | 3,268 |
| Core capital (leverage) ratio | 10.6314% | 2,802 |
| Tier 1 risk-based capital ratio | 14.0042% | 4,093 |
| Total risk-based capital ratio | 15.2557% | 4,015 |
| Memoranda: | ||
| Average total assets | $98,622,600 | 4,638 |
| Average earning assets | $89,368,600 | 4,672 |
| Average equity | $9,856,200 | 4,781 |
| Average total loans | $65,895,800 | 4,298 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,998 |
| Cost of funding earning assets | 0.3303% | 4,561 |
| Net interest margin | 4.1353% | 1,473 |
| Noninterest income to average assets | 0.3828% | 4,376 |
| Noninterest expense to average assets | 3.8971% | 846 |
| Loan and lease loss provision to assets | -0.0406% | 6,155 |
| Net operating income to assets | 0.2692% | 5,681 |
| Return on assets (ROA) | 0.2692% | 5,745 |
| Pretax return on assets | 0.2692% | 5,827 |
| Return on Equity (ROE) | 2.7404% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.7404% | 4,643 |
| Net charge-offs to loans | 0.0102% | 4,379 |
| Credit loss provision to net charge-offs | -600.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | 33.7826% | 1,269 |
| Efficiency ratio | 94.4590% | 574 |
| Assets per employee ($millions) | 3.3308% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 1,841 |
| Loan loss allowance to noncurrent loans | 200.3431% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.9445% | 1,498 |
| Noncurrent loans to loans | 0.8708% | 3,388 |
| Net loans and leases to total assets | 65.8324% | 2,897 |
| Net loans and leases to deposits | 77.8387% | 2,969 |
| Net loans and leases to core deposits | 85.2520% | 2,749 |
| Total domestic deposits to total assets | 84.5754% | 3,508 |
| Equity capital to assets | 10.2267% | 3,895 |
| Core capital (leverage) ratio | 10.7145% | 2,802 |
| Tier 1 risk-based capital ratio | 14.1182% | 4,131 |
| Total risk-based capital ratio | 15.3716% | 4,065 |
| Memoranda: | ||
| Average total assets | $98,566,500 | 4,677 |
| Average earning assets | $89,213,750 | 4,723 |
| Average equity | $9,682,000 | 4,851 |
| Average total loans | $65,113,000 | 4,366 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 2,034 |
| Cost of funding earning assets | 0.3284% | 4,658 |
| Net interest margin | 4.1120% | 1,472 |
| Noninterest income to average assets | 0.3710% | 4,469 |
| Noninterest expense to average assets | 3.9363% | 820 |
| Loan and lease loss provision to assets | -0.0612% | 6,317 |
| Net operating income to assets | 0.2222% | 5,774 |
| Return on assets (ROA) | 0.2222% | 5,840 |
| Pretax return on assets | 0.2222% | 5,915 |
| Return on Equity (ROE) | 2.2940% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.2940% | 4,738 |
| Net charge-offs to loans | 0.1364% | 2,303 |
| Credit loss provision to net charge-offs | -68.1818% | 5,206 |
| Earnings coverage of net charge-offs (x) | 1.7955% | 3,711 |
| Efficiency ratio | 96.0697% | 552 |
| Assets per employee ($millions) | 3.3973% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 2,082 |
| Loan loss allowance to noncurrent loans | 217.5337% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 2.1761% | 1,409 |
| Noncurrent loans to loans | 0.7888% | 3,725 |
| Net loans and leases to total assets | 65.6385% | 2,811 |
| Net loans and leases to deposits | 73.3550% | 3,408 |
| Net loans and leases to core deposits | 80.0418% | 3,209 |
| Total domestic deposits to total assets | 89.4806% | 1,102 |
| Equity capital to assets | 10.0992% | 3,969 |
| Core capital (leverage) ratio | 10.6707% | 2,755 |
| Tier 1 risk-based capital ratio | 14.1602% | 4,144 |
| Total risk-based capital ratio | 15.4139% | 4,078 |
| Memoranda: | ||
| Average total assets | $98,113,670 | 4,723 |
| Average earning assets | $88,910,330 | 4,755 |
| Average equity | $9,503,000 | 4,907 |
| Average total loans | $64,500,330 | 4,409 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 2,204 |
| Cost of funding earning assets | 0.3351% | 4,692 |
| Net interest margin | 4.0482% | 1,610 |
| Noninterest income to average assets | 0.3432% | 4,630 |
| Noninterest expense to average assets | 3.8648% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1798% | 5,854 |
| Return on assets (ROA) | 0.1798% | 5,896 |
| Pretax return on assets | 0.1798% | 5,952 |
| Return on Equity (ROE) | 1.8967% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.8967% | 4,832 |
| Net charge-offs to loans | 0.0188% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,589 |
| Efficiency ratio | 95.5556% | 668 |
| Assets per employee ($millions) | 3.3280% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 1,907 |
| Loan loss allowance to noncurrent loans | 117.5318% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 2.4008% | 1,348 |
| Noncurrent loans to loans | 1.5721% | 2,459 |
| Net loans and leases to total assets | 66.0474% | 2,556 |
| Net loans and leases to deposits | 73.3927% | 3,143 |
| Net loans and leases to core deposits | 80.7497% | 2,882 |
| Total domestic deposits to total assets | 89.9918% | 1,080 |
| Equity capital to assets | 9.8113% | 4,091 |
| Core capital (leverage) ratio | 10.4709% | 2,966 |
| Tier 1 risk-based capital ratio | 14.2948% | 4,133 |
| Total risk-based capital ratio | 15.5496% | 4,081 |
| Memoranda: | ||
| Average total assets | $97,909,000 | 4,775 |
| Average earning assets | $89,521,500 | 4,785 |
| Average equity | $9,279,500 | 4,981 |
| Average total loans | $63,851,500 | 4,464 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 3,463 |
| Cost of funding earning assets | 0.5136% | 3,466 |
| Net interest margin | 3.6549% | 3,228 |
| Noninterest income to average assets | -0.5114% | 6,792 |
| Noninterest expense to average assets | 3.6026% | 1,440 |
| Loan and lease loss provision to assets | -0.3614% | 6,705 |
| Net operating income to assets | -0.6018% | 6,524 |
| Return on assets (ROA) | -0.6018% | 6,526 |
| Pretax return on assets | -0.6018% | 6,512 |
| Return on Equity (ROE) | -6.9280% | 6,533 |
| Retained earnings to average equity (ytd only) | -6.9280% | 6,460 |
| Net charge-offs to loans | 0.3940% | 1,709 |
| Credit loss provision to net charge-offs | -156.2500% | 5,953 |
| Earnings coverage of net charge-offs (x) | -4.1641% | 5,377 |
| Efficiency ratio | 136.4944% | 92 |
| Assets per employee ($millions) | 3.2035% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 1,745 |
| Loan loss allowance to noncurrent loans | 243.5223% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 1.8992% | 1,907 |
| Noncurrent loans to loans | 0.7871% | 4,006 |
| Net loans and leases to total assets | 61.9866% | 3,363 |
| Net loans and leases to deposits | 68.4362% | 3,980 |
| Net loans and leases to core deposits | 76.6254% | 3,542 |
| Total domestic deposits to total assets | 90.5757% | 769 |
| Equity capital to assets | 9.1534% | 4,865 |
| Core capital (leverage) ratio | 10.2144% | 3,273 |
| Tier 1 risk-based capital ratio | 14.4721% | 3,969 |
| Total risk-based capital ratio | 15.7273% | 3,907 |
| Memoranda: | ||
| Average total assets | $110,669,800 | 4,484 |
| Average earning assets | $95,405,000 | 4,639 |
| Average equity | $9,613,200 | 4,944 |
| Average total loans | $64,971,200 | 4,440 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,578 |
| Cost of funding earning assets | 0.5568% | 3,196 |
| Net interest margin | 3.5902% | 3,487 |
| Noninterest income to average assets | -0.7835% | 6,879 |
| Noninterest expense to average assets | 3.5661% | 1,466 |
| Loan and lease loss provision to assets | -0.4698% | 6,825 |
| Net operating income to assets | -0.8199% | 6,680 |
| Return on assets (ROA) | -0.8199% | 6,687 |
| Pretax return on assets | -0.8199% | 6,666 |
| Return on Equity (ROE) | -9.5509% | 6,682 |
| Retained earnings to average equity (ytd only) | -9.5509% | 6,629 |
| Net charge-offs to loans | 0.3541% | 1,778 |
| Credit loss provision to net charge-offs | -229.8851% | 5,922 |
| Earnings coverage of net charge-offs (x) | -6.3104% | 5,145 |
| Efficiency ratio | 156.6563% | 65 |
| Assets per employee ($millions) | 3.3160% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 1,572 |
| Loan loss allowance to noncurrent loans | 226.6314% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.9057% | 2,128 |
| Noncurrent loans to loans | 0.9133% | 3,990 |
| Net loans and leases to total assets | 59.1439% | 3,830 |
| Net loans and leases to deposits | 64.9860% | 4,410 |
| Net loans and leases to core deposits | 73.0909% | 3,962 |
| Total domestic deposits to total assets | 91.0103% | 528 |
| Equity capital to assets | 8.7816% | 5,435 |
| Core capital (leverage) ratio | 9.6882% | 4,119 |
| Tier 1 risk-based capital ratio | 14.8183% | 3,866 |
| Total risk-based capital ratio | 16.0751% | 3,818 |
| Memoranda: | ||
| Average total assets | $113,510,500 | 4,464 |
| Average earning assets | $96,741,250 | 4,649 |
| Average equity | $9,744,000 | 4,964 |
| Average total loans | $65,524,000 | 4,465 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 3,697 |
| Cost of funding earning assets | 0.6135% | 2,816 |
| Net interest margin | 3.4974% | 3,791 |
| Noninterest income to average assets | -1.4810% | 6,934 |
| Noninterest expense to average assets | 3.5223% | 1,556 |
| Loan and lease loss provision to assets | -0.6833% | 6,898 |
| Net operating income to assets | -1.3888% | 6,801 |
| Return on assets (ROA) | -1.3888% | 6,804 |
| Pretax return on assets | -1.3888% | 6,794 |
| Return on Equity (ROE) | -16.2877% | 6,803 |
| Retained earnings to average equity (ytd only) | -16.2877% | 6,768 |
| Net charge-offs to loans | 0.1920% | 2,604 |
| Credit loss provision to net charge-offs | -625.0000% | 5,948 |
| Earnings coverage of net charge-offs (x) | -18.9531% | 4,881 |
| Efficiency ratio | 242.8740% | 21 |
| Assets per employee ($millions) | 3.7373% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2253% | 1,370 |
| Loan loss allowance to noncurrent loans | 189.5380% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8167% | 2,388 |
| Noncurrent loans to loans | 1.1741% | 3,594 |
| Net loans and leases to total assets | 56.5533% | 4,199 |
| Net loans and leases to deposits | 61.8977% | 4,759 |
| Net loans and leases to core deposits | 69.3313% | 4,349 |
| Total domestic deposits to total assets | 91.3656% | 421 |
| Equity capital to assets | 8.4351% | 5,829 |
| Core capital (leverage) ratio | 9.0138% | 4,960 |
| Tier 1 risk-based capital ratio | 14.0382% | 4,395 |
| Total risk-based capital ratio | 15.2966% | 4,347 |
| Memoranda: | ||
| Average total assets | $117,082,330 | 4,414 |
| Average earning assets | $98,128,670 | 4,643 |
| Average equity | $9,983,000 | 4,943 |
| Average total loans | $66,671,330 | 4,437 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,962 |
| Cost of funding earning assets | 0.6783% | 2,405 |
| Net interest margin | 3.3590% | 4,277 |
| Noninterest income to average assets | 0.1285% | 6,450 |
| Noninterest expense to average assets | 3.3895% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5205% | 6,680 |
| Return on assets (ROA) | -0.5205% | 6,706 |
| Pretax return on assets | -0.5205% | 6,680 |
| Return on Equity (ROE) | -6.0749% | 6,722 |
| Retained earnings to average equity (ytd only) | -6.0749% | 6,422 |
| Net charge-offs to loans | 0.3961% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.3235% | 4,034 |
| Efficiency ratio | 118.1401% | 230 |
| Assets per employee ($millions) | 4.3697% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6754% | 938 |
| Loan loss allowance to noncurrent loans | 60.7119% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 7.1791% | 385 |
| Noncurrent loans to loans | 4.4067% | 963 |
| Net loans and leases to total assets | 55.2228% | 4,209 |
| Net loans and leases to deposits | 65.0217% | 4,183 |
| Net loans and leases to core deposits | 72.5115% | 3,761 |
| Total domestic deposits to total assets | 84.9299% | 4,075 |
| Equity capital to assets | 8.9717% | 5,519 |
| Core capital (leverage) ratio | 9.1035% | 4,712 |
| Tier 1 risk-based capital ratio | 13.4023% | 4,937 |
| Total risk-based capital ratio | 14.6649% | 4,882 |
| Memoranda: | ||
| Average total assets | $121,433,000 | 4,360 |
| Average earning assets | $99,077,000 | 4,654 |
| Average equity | $10,403,500 | 4,903 |
| Average total loans | $68,663,000 | 4,390 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 3,741 |
| Cost of funding earning assets | 1.0070% | 1,323 |
| Net interest margin | 3.4115% | 4,841 |
| Noninterest income to average assets | 0.6633% | 2,916 |
| Noninterest expense to average assets | 4.0462% | 926 |
| Loan and lease loss provision to assets | -0.0192% | 6,833 |
| Net operating income to assets | -0.5007% | 6,568 |
| Return on assets (ROA) | -0.3041% | 6,498 |
| Pretax return on assets | -0.3041% | 6,478 |
| Return on Equity (ROE) | -3.9444% | 6,548 |
| Retained earnings to average equity (ytd only) | -3.9444% | 6,356 |
| Net charge-offs to loans | 0.3146% | 3,067 |
| Credit loss provision to net charge-offs | -9.6070% | 6,213 |
| Earnings coverage of net charge-offs (x) | -2.5983% | 5,858 |
| Efficiency ratio | 114.7460% | 262 |
| Assets per employee ($millions) | 4.4601% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6413% | 977 |
| Loan loss allowance to noncurrent loans | 39.0628% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 7.3572% | 411 |
| Noncurrent loans to loans | 6.7617% | 481 |
| Net loans and leases to total assets | 54.8693% | 4,477 |
| Net loans and leases to deposits | 63.8582% | 4,550 |
| Net loans and leases to core deposits | 70.4122% | 4,250 |
| Total domestic deposits to total assets | 85.9237% | 3,388 |
| Equity capital to assets | 8.1852% | 6,291 |
| Core capital (leverage) ratio | 9.1438% | 4,668 |
| Tier 1 risk-based capital ratio | 12.5589% | 5,432 |
| Total risk-based capital ratio | 13.8216% | 5,378 |
| Memoranda: | ||
| Average total assets | $114,429,200 | 4,482 |
| Average earning assets | $96,027,600 | 4,690 |
| Average equity | $8,822,600 | 5,267 |
| Average total loans | $72,798,800 | 4,242 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 3,833 |
| Cost of funding earning assets | 1.0755% | 1,166 |
| Net interest margin | 3.3739% | 5,124 |
| Noninterest income to average assets | 0.8359% | 2,091 |
| Noninterest expense to average assets | 4.0792% | 852 |
| Loan and lease loss provision to assets | -0.0262% | 6,967 |
| Net operating income to assets | -0.3255% | 6,590 |
| Return on assets (ROA) | -0.0572% | 6,465 |
| Pretax return on assets | -0.0572% | 6,448 |
| Return on Equity (ROE) | -0.7554% | 6,483 |
| Retained earnings to average equity (ytd only) | -0.7554% | 6,234 |
| Net charge-offs to loans | 0.3851% | 2,552 |
| Credit loss provision to net charge-offs | -10.3774% | 6,098 |
| Earnings coverage of net charge-offs (x) | -1.3915% | 5,610 |
| Efficiency ratio | 109.4370% | 315 |
| Assets per employee ($millions) | 4.0442% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6247% | 1,056 |
| Loan loss allowance to noncurrent loans | 37.3408% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 8.7560% | 320 |
| Noncurrent loans to loans | 7.0290% | 518 |
| Net loans and leases to total assets | 63.7389% | 3,071 |
| Net loans and leases to deposits | 74.4327% | 3,222 |
| Net loans and leases to core deposits | 82.4340% | 2,902 |
| Total domestic deposits to total assets | 85.6329% | 3,448 |
| Equity capital to assets | 7.6900% | 6,715 |
| Core capital (leverage) ratio | 7.4446% | 6,649 |
| Tier 1 risk-based capital ratio | 10.2209% | 6,744 |
| Total risk-based capital ratio | 11.4843% | 6,722 |
| Memoranda: | ||
| Average total assets | $111,815,500 | 4,593 |
| Average earning assets | $95,830,500 | 4,744 |
| Average equity | $8,472,750 | 5,418 |
| Average total loans | $73,403,000 | 4,279 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 3,647 |
| Cost of funding earning assets | 1.1093% | 1,182 |
| Net interest margin | 3.4199% | 5,005 |
| Noninterest income to average assets | 1.1146% | 1,151 |
| Noninterest expense to average assets | 3.9400% | 1,021 |
| Loan and lease loss provision to assets | 0.0763% | 4,667 |
| Net operating income to assets | -0.0018% | 6,319 |
| Return on assets (ROA) | 0.2218% | 6,037 |
| Pretax return on assets | 0.2218% | 6,118 |
| Return on Equity (ROE) | 2.9419% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.9419% | 4,678 |
| Net charge-offs to loans | 0.5699% | 1,888 |
| Credit loss provision to net charge-offs | 20.3791% | 4,598 |
| Earnings coverage of net charge-offs (x) | 0.1991% | 4,975 |
| Efficiency ratio | 98.1432% | 619 |
| Assets per employee ($millions) | 4.3205% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6982% | 1,037 |
| Loan loss allowance to noncurrent loans | 39.0117% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 9.2510% | 317 |
| Noncurrent loans to loans | 6.9163% | 569 |
| Net loans and leases to total assets | 62.3435% | 3,365 |
| Net loans and leases to deposits | 72.5964% | 3,518 |
| Net loans and leases to core deposits | 82.5413% | 2,893 |
| Total domestic deposits to total assets | 85.8769% | 3,415 |
| Equity capital to assets | 7.5427% | 6,783 |
| Core capital (leverage) ratio | 7.5879% | 6,574 |
| Tier 1 risk-based capital ratio | 10.0888% | 6,805 |
| Total risk-based capital ratio | 11.3521% | 6,783 |
| Memoranda: | ||
| Average total assets | $112,689,330 | 4,599 |
| Average earning assets | $95,557,000 | 4,781 |
| Average equity | $8,498,000 | 5,418 |
| Average total loans | $74,045,670 | 4,277 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 3,565 |
| Cost of funding earning assets | 1.1697% | 1,108 |
| Net interest margin | 3.4179% | 5,038 |
| Noninterest income to average assets | 1.9988% | 410 |
| Noninterest expense to average assets | 4.3060% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6131% | 4,291 |
| Return on assets (ROA) | 0.6698% | 4,246 |
| Pretax return on assets | 0.6698% | 4,887 |
| Return on Equity (ROE) | 8.8831% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.8831% | 1,628 |
| Net charge-offs to loans | 0.8098% | 1,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.1382% | 3,764 |
| Efficiency ratio | 87.5360% | 1,331 |
| Assets per employee ($millions) | 4.5372% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 1,151 |
| Loan loss allowance to noncurrent loans | 31.9204% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 10.1746% | 286 |
| Noncurrent loans to loans | 8.3714% | 442 |
| Net loans and leases to total assets | 62.8719% | 3,077 |
| Net loans and leases to deposits | 73.1278% | 3,257 |
| Net loans and leases to core deposits | 84.3166% | 2,510 |
| Total domestic deposits to total assets | 85.9754% | 3,540 |
| Equity capital to assets | 7.6065% | 6,736 |
| Core capital (leverage) ratio | 7.6052% | 6,567 |
| Tier 1 risk-based capital ratio | 9.9607% | 6,889 |
| Total risk-based capital ratio | 11.2233% | 6,882 |
| Memoranda: | ||
| Average total assets | $112,867,000 | 4,626 |
| Average earning assets | $96,434,000 | 4,785 |
| Average equity | $8,510,500 | 5,426 |
| Average total loans | $75,081,000 | 4,271 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 4,757 |
| Cost of funding earning assets | 1.4601% | 835 |
| Net interest margin | 3.1191% | 6,299 |
| Noninterest income to average assets | 0.2361% | 5,847 |
| Noninterest expense to average assets | 4.1810% | 832 |
| Loan and lease loss provision to assets | 0.6244% | 1,640 |
| Net operating income to assets | -1.8065% | 6,991 |
| Return on assets (ROA) | -1.7783% | 7,000 |
| Pretax return on assets | -1.7783% | 6,970 |
| Return on Equity (ROE) | -22.6303% | 7,016 |
| Retained earnings to average equity (ytd only) | -22.6303% | 7,004 |
| Net charge-offs to loans | 1.9608% | 712 |
| Credit loss provision to net charge-offs | 43.4007% | 5,567 |
| Earnings coverage of net charge-offs (x) | -0.8216% | 6,158 |
| Efficiency ratio | 139.4181% | 180 |
| Assets per employee ($millions) | 4.8828% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7442% | 1,040 |
| Loan loss allowance to noncurrent loans | 41.8402% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 9.2543% | 385 |
| Noncurrent loans to loans | 6.5588% | 705 |
| Net loans and leases to total assets | 66.5856% | 2,666 |
| Net loans and leases to deposits | 77.4078% | 2,937 |
| Net loans and leases to core deposits | 93.5743% | 1,744 |
| Total domestic deposits to total assets | 86.0193% | 3,315 |
| Equity capital to assets | 7.4734% | 6,821 |
| Core capital (leverage) ratio | 7.2834% | 6,750 |
| Tier 1 risk-based capital ratio | 9.4498% | 6,970 |
| Total risk-based capital ratio | 10.7147% | 6,960 |
| Memoranda: | ||
| Average total assets | $116,909,800 | 4,482 |
| Average earning assets | $103,554,000 | 4,549 |
| Average equity | $9,186,800 | 5,230 |
| Average total loans | $85,780,000 | 3,969 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 5,040 |
| Cost of funding earning assets | 1.5220% | 794 |
| Net interest margin | 3.0377% | 6,511 |
| Noninterest income to average assets | 0.2643% | 5,727 |
| Noninterest expense to average assets | 3.7731% | 1,352 |
| Loan and lease loss provision to assets | 0.8244% | 1,128 |
| Net operating income to assets | -1.6285% | 7,070 |
| Return on assets (ROA) | -1.5912% | 7,073 |
| Pretax return on assets | -1.5912% | 7,037 |
| Return on Equity (ROE) | -20.0167% | 7,097 |
| Retained earnings to average equity (ytd only) | -20.0167% | 7,082 |
| Net charge-offs to loans | 2.1832% | 565 |
| Credit loss provision to net charge-offs | 50.6593% | 5,024 |
| Earnings coverage of net charge-offs (x) | -0.4941% | 5,830 |
| Efficiency ratio | 127.0825% | 250 |
| Assets per employee ($millions) | 4.5240% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8422% | 989 |
| Loan loss allowance to noncurrent loans | 36.0804% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 9.1283% | 431 |
| Noncurrent loans to loans | 7.8774% | 565 |
| Net loans and leases to total assets | 71.0590% | 1,890 |
| Net loans and leases to deposits | 83.2025% | 2,143 |
| Net loans and leases to core deposits | 106.1175% | 854 |
| Total domestic deposits to total assets | 85.4048% | 3,551 |
| Equity capital to assets | 8.0788% | 6,646 |
| Core capital (leverage) ratio | 7.8895% | 6,494 |
| Tier 1 risk-based capital ratio | 9.7049% | 7,024 |
| Total risk-based capital ratio | 10.9718% | 7,018 |
| Memoranda: | ||
| Average total assets | $118,061,000 | 4,481 |
| Average earning assets | $105,120,000 | 4,547 |
| Average equity | $9,385,250 | 5,210 |
| Average total loans | $88,002,750 | 3,947 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 5,680 |
| Cost of funding earning assets | 1.5777% | 764 |
| Net interest margin | 2.8260% | 6,890 |
| Noninterest income to average assets | 0.3458% | 5,117 |
| Noninterest expense to average assets | 3.9360% | 1,136 |
| Loan and lease loss provision to assets | 1.3532% | 541 |
| Net operating income to assets | -2.4207% | 7,256 |
| Return on assets (ROA) | -2.4207% | 7,258 |
| Pretax return on assets | -2.4207% | 7,237 |
| Return on Equity (ROE) | -30.6084% | 7,252 |
| Retained earnings to average equity (ytd only) | -30.6084% | 7,245 |
| Net charge-offs to loans | 3.1995% | 302 |
| Credit loss provision to net charge-offs | 56.4067% | 4,431 |
| Earnings coverage of net charge-offs (x) | -0.4450% | 5,511 |
| Efficiency ratio | 137.2161% | 213 |
| Assets per employee ($millions) | 4.6680% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8863% | 999 |
| Loan loss allowance to noncurrent loans | 23.4366% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 12.6676% | 224 |
| Noncurrent loans to loans | 12.3155% | 233 |
| Net loans and leases to total assets | 70.2337% | 2,172 |
| Net loans and leases to deposits | 81.8213% | 2,481 |
| Net loans and leases to core deposits | 111.3826% | 678 |
| Total domestic deposits to total assets | 85.8379% | 3,415 |
| Equity capital to assets | 7.7559% | 6,835 |
| Core capital (leverage) ratio | 7.5319% | 6,721 |
| Tier 1 risk-based capital ratio | 9.4508% | 7,114 |
| Total risk-based capital ratio | 10.7173% | 7,110 |
| Memoranda: | ||
| Average total assets | $119,715,000 | 4,463 |
| Average earning assets | $106,866,330 | 4,535 |
| Average equity | $9,468,000 | 5,194 |
| Average total loans | $89,764,330 | 3,942 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 5,512 |
| Cost of funding earning assets | 1.6260% | 742 |
| Net interest margin | 2.8233% | 6,874 |
| Noninterest income to average assets | 0.1617% | 6,571 |
| Noninterest expense to average assets | 4.6988% | 483 |
| Loan and lease loss provision to assets | 2.8707% | 165 |
| Net operating income to assets | -4.8869% | 7,485 |
| Return on assets (ROA) | -4.8869% | 7,486 |
| Pretax return on assets | -4.8869% | 7,477 |
| Return on Equity (ROE) | -61.2205% | 7,441 |
| Retained earnings to average equity (ytd only) | -61.2205% | 7,432 |
| Net charge-offs to loans | 3.4960% | 287 |
| Credit loss provision to net charge-offs | 107.6733% | 2,477 |
| Earnings coverage of net charge-offs (x) | -0.7562% | 4,860 |
| Efficiency ratio | 175.1538% | 90 |
| Assets per employee ($millions) | 4.8254% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4546% | 633 |
| Loan loss allowance to noncurrent loans | 23.4993% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 12.8578% | 220 |
| Noncurrent loans to loans | 14.7009% | 164 |
| Net loans and leases to total assets | 72.3720% | 1,638 |
| Net loans and leases to deposits | 83.5512% | 2,099 |
| Net loans and leases to core deposits | 117.2475% | 493 |
| Total domestic deposits to total assets | 86.6200% | 3,174 |
| Equity capital to assets | 7.4091% | 6,918 |
| Core capital (leverage) ratio | 7.3438% | 6,827 |
| Tier 1 risk-based capital ratio | 9.0102% | 7,219 |
| Total risk-based capital ratio | 10.2834% | 7,224 |
| Memoranda: | ||
| Average total assets | $121,223,000 | 4,441 |
| Average earning assets | $108,243,500 | 4,522 |
| Average equity | $9,676,500 | 5,126 |
| Average total loans | $92,447,500 | 3,913 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 6,535 |
| Cost of funding earning assets | 2.0947% | 439 |
| Net interest margin | 2.3483% | 7,344 |
| Noninterest income to average assets | 0.1850% | 6,431 |
| Noninterest expense to average assets | 3.7159% | 1,668 |
| Loan and lease loss provision to assets | 2.3603% | 495 |
| Net operating income to assets | -4.8711% | 7,528 |
| Return on assets (ROA) | -4.8711% | 7,533 |
| Pretax return on assets | -3.8157% | 7,409 |
| Return on Equity (ROE) | -49.4229% | 7,418 |
| Retained earnings to average equity (ytd only) | -49.4229% | 7,415 |
| Net charge-offs to loans | 1.8593% | 1,117 |
| Credit loss provision to net charge-offs | 165.3226% | 2,075 |
| Earnings coverage of net charge-offs (x) | -1.0194% | 6,611 |
| Efficiency ratio | 164.3803% | 153 |
| Assets per employee ($millions) | 4.6850% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2414% | 711 |
| Loan loss allowance to noncurrent loans | 25.4552% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 11.9004% | 283 |
| Noncurrent loans to loans | 12.7338% | 246 |
| Net loans and leases to total assets | 75.0367% | 1,470 |
| Net loans and leases to deposits | 87.7887% | 1,828 |
| Net loans and leases to core deposits | 127.4513% | 365 |
| Total domestic deposits to total assets | 85.4742% | 3,617 |
| Equity capital to assets | 8.5501% | 5,794 |
| Core capital (leverage) ratio | 8.3883% | 5,560 |
| Tier 1 risk-based capital ratio | 10.2361% | 6,855 |
| Total risk-based capital ratio | 11.5082% | 6,822 |
| Memoranda: | ||
| Average total assets | $130,278,600 | 4,258 |
| Average earning assets | $115,148,600 | 4,340 |
| Average equity | $12,840,200 | 4,390 |
| Average total loans | $100,036,600 | 3,790 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 6,692 |
| Cost of funding earning assets | 2.1904% | 393 |
| Net interest margin | 2.2694% | 7,492 |
| Noninterest income to average assets | 0.1692% | 6,668 |
| Noninterest expense to average assets | 3.7916% | 1,382 |
| Loan and lease loss provision to assets | 2.0695% | 563 |
| Net operating income to assets | -5.0806% | 7,652 |
| Return on assets (ROA) | -5.0806% | 7,663 |
| Pretax return on assets | -3.6959% | 7,528 |
| Return on Equity (ROE) | -50.0242% | 7,560 |
| Retained earnings to average equity (ytd only) | -50.0242% | 7,557 |
| Net charge-offs to loans | 1.4736% | 1,369 |
| Credit loss provision to net charge-offs | 183.3185% | 1,984 |
| Earnings coverage of net charge-offs (x) | -1.4407% | 6,498 |
| Efficiency ratio | 175.1163% | 124 |
| Assets per employee ($millions) | 4.7683% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9033% | 898 |
| Loan loss allowance to noncurrent loans | 26.9921% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 10.6439% | 350 |
| Noncurrent loans to loans | 10.7562% | 363 |
| Net loans and leases to total assets | 75.0188% | 1,585 |
| Net loans and leases to deposits | 88.6599% | 1,917 |
| Net loans and leases to core deposits | 129.9856% | 374 |
| Total domestic deposits to total assets | 84.6141% | 3,825 |
| Equity capital to assets | 9.0485% | 5,510 |
| Core capital (leverage) ratio | 8.6853% | 5,210 |
| Tier 1 risk-based capital ratio | 10.4914% | 6,784 |
| Total risk-based capital ratio | 11.7588% | 6,761 |
| Memoranda: | ||
| Average total assets | $132,395,500 | 4,267 |
| Average earning assets | $116,445,000 | 4,373 |
| Average equity | $13,446,500 | 4,338 |
| Average total loans | $101,429,500 | 3,819 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 6,858 |
| Cost of funding earning assets | 2.2619% | 386 |
| Net interest margin | 2.1576% | 7,600 |
| Noninterest income to average assets | 0.1450% | 6,861 |
| Noninterest expense to average assets | 3.5858% | 1,817 |
| Loan and lease loss provision to assets | 1.2352% | 1,136 |
| Net operating income to assets | -2.7781% | 7,472 |
| Return on assets (ROA) | -2.7781% | 7,482 |
| Pretax return on assets | -2.7781% | 7,430 |
| Return on Equity (ROE) | -26.4706% | 7,388 |
| Retained earnings to average equity (ytd only) | -26.4706% | 7,373 |
| Net charge-offs to loans | 1.0841% | 1,738 |
| Credit loss provision to net charge-offs | 149.1071% | 2,648 |
| Earnings coverage of net charge-offs (x) | -1.8625% | 6,200 |
| Efficiency ratio | 175.5250% | 137 |
| Assets per employee ($millions) | 4.7346% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1961% | 1,764 |
| Loan loss allowance to noncurrent loans | 19.7102% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 10.9980% | 324 |
| Noncurrent loans to loans | 11.1417% | 356 |
| Net loans and leases to total assets | 71.2882% | 2,597 |
| Net loans and leases to deposits | 87.5737% | 2,249 |
| Net loans and leases to core deposits | 134.2777% | 358 |
| Total domestic deposits to total assets | 81.4036% | 5,242 |
| Equity capital to assets | 10.4685% | 3,453 |
| Core capital (leverage) ratio | 9.1961% | 4,306 |
| Tier 1 risk-based capital ratio | 11.5319% | 5,736 |
| Total risk-based capital ratio | 12.7910% | 5,701 |
| Memoranda: | ||
| Average total assets | $135,201,670 | 4,233 |
| Average earning assets | $118,929,000 | 4,339 |
| Average equity | $14,189,330 | 4,155 |
| Average total loans | $103,310,330 | 3,795 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 6,870 |
| Cost of funding earning assets | 2.3030% | 431 |
| Net interest margin | 2.1605% | 7,667 |
| Noninterest income to average assets | 0.1905% | 6,602 |
| Noninterest expense to average assets | 3.6537% | 1,608 |
| Loan and lease loss provision to assets | 0.2930% | 3,679 |
| Net operating income to assets | -1.8459% | 7,424 |
| Return on assets (ROA) | -1.8459% | 7,427 |
| Pretax return on assets | -1.8459% | 7,367 |
| Return on Equity (ROE) | -17.5671% | 7,385 |
| Retained earnings to average equity (ytd only) | -17.5671% | 7,298 |
| Net charge-offs to loans | -0.1425% | 7,601 |
| Credit loss provision to net charge-offs | -263.1579% | 6,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.9191% | 132 |
| Assets per employee ($millions) | 4.9188% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 2,496 |
| Loan loss allowance to noncurrent loans | 17.6837% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 9.4449% | 444 |
| Noncurrent loans to loans | 10.6574% | 380 |
| Net loans and leases to total assets | 75.0343% | 1,734 |
| Net loans and leases to deposits | 93.1260% | 1,461 |
| Net loans and leases to core deposits | 153.9554% | 217 |
| Total domestic deposits to total assets | 80.5729% | 5,595 |
| Equity capital to assets | 10.1804% | 3,631 |
| Core capital (leverage) ratio | 9.4531% | 3,843 |
| Tier 1 risk-based capital ratio | 11.2111% | 5,947 |
| Total risk-based capital ratio | 12.4679% | 5,892 |
| Memoranda: | ||
| Average total assets | $136,518,000 | 4,260 |
| Average earning assets | $120,713,000 | 4,357 |
| Average equity | $14,345,000 | 4,158 |
| Average total loans | $106,651,500 | 3,761 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 7,227 |
| Cost of funding earning assets | 2.6591% | 654 |
| Net interest margin | 1.9766% | 7,753 |
| Noninterest income to average assets | 0.1501% | 6,981 |
| Noninterest expense to average assets | 2.9701% | 4,263 |
| Loan and lease loss provision to assets | 0.8834% | 2,538 |
| Net operating income to assets | -1.5751% | 6,898 |
| Return on assets (ROA) | -1.5751% | 6,896 |
| Pretax return on assets | -1.9344% | 6,914 |
| Return on Equity (ROE) | -14.3542% | 6,899 |
| Retained earnings to average equity (ytd only) | -14.3542% | 6,842 |
| Net charge-offs to loans | 0.8508% | 2,697 |
| Credit loss provision to net charge-offs | 124.0532% | 4,240 |
| Earnings coverage of net charge-offs (x) | -1.4759% | 6,955 |
| Efficiency ratio | 154.7664% | 286 |
| Assets per employee ($millions) | 4.6659% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 2,865 |
| Loan loss allowance to noncurrent loans | 27.4810% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 6.4126% | 860 |
| Noncurrent loans to loans | 6.2245% | 992 |
| Net loans and leases to total assets | 78.4341% | 1,294 |
| Net loans and leases to deposits | 100.3015% | 876 |
| Net loans and leases to core deposits | 125.7271% | 1,538 |
| Total domestic deposits to total assets | 78.1984% | 6,176 |
| Equity capital to assets | 10.8410% | 2,828 |
| Core capital (leverage) ratio | 9.9365% | 3,153 |
| Tier 1 risk-based capital ratio | 11.4797% | 5,408 |
| Total risk-based capital ratio | 12.7339% | 5,372 |
| Memoranda: | ||
| Average total assets | $137,198,800 | 4,187 |
| Average earning assets | $122,785,000 | 4,243 |
| Average equity | $15,054,800 | 4,049 |
| Average total loans | $114,830,400 | 3,585 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 7,258 |
| Cost of funding earning assets | 2.7288% | 723 |
| Net interest margin | 1.9859% | 7,819 |
| Noninterest income to average assets | 0.1433% | 7,149 |
| Noninterest expense to average assets | 2.9994% | 4,047 |
| Loan and lease loss provision to assets | 0.7622% | 2,463 |
| Net operating income to assets | -1.3597% | 7,040 |
| Return on assets (ROA) | -1.3597% | 7,039 |
| Pretax return on assets | -1.8372% | 7,104 |
| Return on Equity (ROE) | -12.3551% | 7,040 |
| Retained earnings to average equity (ytd only) | -12.3551% | 6,963 |
| Net charge-offs to loans | 0.2883% | 4,233 |
| Credit loss provision to net charge-offs | 312.3016% | 1,323 |
| Earnings coverage of net charge-offs (x) | -4.4048% | 6,842 |
| Efficiency ratio | 155.8631% | 285 |
| Assets per employee ($millions) | 4.7483% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 1,817 |
| Loan loss allowance to noncurrent loans | 81.4801% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 3.5686% | 1,850 |
| Noncurrent loans to loans | 2.4466% | 3,082 |
| Net loans and leases to total assets | 76.6525% | 1,857 |
| Net loans and leases to deposits | 99.1825% | 1,191 |
| Net loans and leases to core deposits | 124.3998% | 1,864 |
| Total domestic deposits to total assets | 77.2843% | 6,271 |
| Equity capital to assets | 10.4959% | 3,521 |
| Core capital (leverage) ratio | 9.7441% | 3,577 |
| Tier 1 risk-based capital ratio | 11.3595% | 5,583 |
| Total risk-based capital ratio | 12.6176% | 5,512 |
| Memoranda: | ||
| Average total assets | $137,670,750 | 4,194 |
| Average earning assets | $123,468,750 | 4,259 |
| Average equity | $15,151,250 | 4,071 |
| Average total loans | $116,543,750 | 3,580 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 7,464 |
| Cost of funding earning assets | 2.8082% | 772 |
| Net interest margin | 1.8381% | 7,929 |
| Noninterest income to average assets | 0.1366% | 7,275 |
| Noninterest expense to average assets | 3.0539% | 3,866 |
| Loan and lease loss provision to assets | 0.9444% | 1,789 |
| Net operating income to assets | -1.4964% | 7,242 |
| Return on assets (ROA) | -1.4964% | 7,244 |
| Pretax return on assets | -2.2127% | 7,349 |
| Return on Equity (ROE) | -13.3905% | 7,245 |
| Retained earnings to average equity (ytd only) | -13.3905% | 7,143 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.0334% | 282 |
| Assets per employee ($millions) | 4.6809% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,679 |
| Loan loss allowance to noncurrent loans | 39.2913% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 4.7147% | 1,177 |
| Noncurrent loans to loans | 4.9583% | 1,245 |
| Net loans and leases to total assets | 83.8683% | 657 |
| Net loans and leases to deposits | 109.4567% | 577 |
| Net loans and leases to core deposits | 136.3796% | 1,191 |
| Total domestic deposits to total assets | 76.6223% | 6,413 |
| Equity capital to assets | 10.9168% | 3,002 |
| Core capital (leverage) ratio | 9.8156% | 3,499 |
| Tier 1 risk-based capital ratio | 11.1724% | 5,700 |
| Total risk-based capital ratio | 12.4302% | 5,620 |
| Memoranda: | ||
| Average total assets | $137,660,330 | 4,225 |
| Average earning assets | $123,497,000 | 4,283 |
| Average equity | $15,384,000 | 4,042 |
| Average total loans | $119,492,000 | 3,546 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 7,586 |
| Cost of funding earning assets | 2.8685% | 832 |
| Net interest margin | 1.7697% | 7,979 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 2.8423% | 4,367 |
| Loan and lease loss provision to assets | 0.2597% | 3,887 |
| Net operating income to assets | -1.0648% | 7,295 |
| Return on assets (ROA) | -1.0648% | 7,304 |
| Pretax return on assets | -1.5034% | 7,363 |
| Return on Equity (ROE) | -9.4214% | 7,324 |
| Retained earnings to average equity (ytd only) | -9.4214% | 7,048 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.7978% | 250 |
| Assets per employee ($millions) | 5.0124% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 3,336 |
| Loan loss allowance to noncurrent loans | 70.7692% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.7136% | 3,350 |
| Noncurrent loans to loans | 2.0224% | 3,232 |
| Net loans and leases to total assets | 83.5200% | 763 |
| Net loans and leases to deposits | 111.5800% | 540 |
| Net loans and leases to core deposits | 139.9055% | 1,105 |
| Total domestic deposits to total assets | 74.8522% | 6,736 |
| Equity capital to assets | 11.0334% | 2,935 |
| Core capital (leverage) ratio | 10.4542% | 2,978 |
| Tier 1 risk-based capital ratio | 11.6060% | 5,298 |
| Total risk-based capital ratio | 12.8572% | 5,205 |
| Memoranda: | ||
| Average total assets | $138,618,000 | 4,215 |
| Average earning assets | $125,222,000 | 4,264 |
| Average equity | $15,666,500 | 4,008 |
| Average total loans | $121,183,500 | 3,530 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1638% | 4,704 |
| Cost of funding earning assets | 3.4253% | 667 |
| Net interest margin | 2.7384% | 7,432 |
| Noninterest income to average assets | 0.0235% | 8,020 |
| Noninterest expense to average assets | 2.8207% | 4,736 |
| Loan and lease loss provision to assets | 0.2853% | 4,100 |
| Net operating income to assets | -0.3793% | 6,800 |
| Return on assets (ROA) | -0.3793% | 6,677 |
| Pretax return on assets | -0.5016% | 6,654 |
| Return on Equity (ROE) | -3.0120% | 6,625 |
| Retained earnings to average equity (ytd only) | -3.0120% | 6,113 |
| Net charge-offs to loans | 0.0303% | 6,398 |
| Credit loss provision to net charge-offs | 1,040.0000% | 425 |
| Earnings coverage of net charge-offs (x) | -7.8857% | 6,877 |
| Efficiency ratio | 108.3057% | 750 |
| Assets per employee ($millions) | 5.2650% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 3,741 |
| Loan loss allowance to noncurrent loans | 408.1013% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 6,428 |
| Noncurrent loans to loans | 0.3200% | 6,414 |
| Net loans and leases to total assets | 89.0028% | 282 |
| Net loans and leases to deposits | 120.1610% | 386 |
| Net loans and leases to core deposits | 150.0222% | 858 |
| Total domestic deposits to total assets | 74.0697% | 6,646 |
| Equity capital to assets | 11.5772% | 2,583 |
| Core capital (leverage) ratio | 11.1202% | 2,493 |
| Tier 1 risk-based capital ratio | 11.6451% | 5,105 |
| Total risk-based capital ratio | 12.8951% | 5,000 |
| Memoranda: | ||
| Average total assets | $127,593,400 | 4,333 |
| Average earning assets | $120,250,600 | 4,254 |
| Average equity | $16,069,200 | 3,916 |
| Average total loans | $115,503,800 | 3,552 |