Home > Mountain Valley Community Bank > Performance and Condition Ratios
Mountain Valley Community Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 3,710 |
| Cost of funding earning assets | 0.3149% | 3,931 |
| Net interest margin | 3.5382% | 3,261 |
| Noninterest income to average assets | 0.4070% | 3,648 |
| Noninterest expense to average assets | 2.6917% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6535% | 4,061 |
| Return on assets (ROA) | 0.6535% | 4,118 |
| Pretax return on assets | 0.9562% | 3,740 |
| Return on Equity (ROE) | 7.0937% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.0937% | 1,550 |
| Net charge-offs to loans | -0.0219% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7875% | 2,055 |
| Assets per employee ($millions) | 5.9600% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,492 |
| Loan loss allowance to noncurrent loans | 21,425.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 1,584 |
| Noncurrent loans to loans | 0.0071% | 5,158 |
| Net loans and leases to total assets | 56.2073% | 4,208 |
| Net loans and leases to deposits | 64.6132% | 4,334 |
| Net loans and leases to core deposits | 67.8629% | 4,359 |
| Total domestic deposits to total assets | 86.9905% | 1,963 |
| Equity capital to assets | 9.5038% | 4,397 |
| Core capital (leverage) ratio | 9.8457% | 3,721 |
| Tier 1 risk-based capital ratio | 14.4901% | 3,171 |
| Total risk-based capital ratio | 15.7406% | 3,092 |
| Memoranda: | ||
| Average total assets | $195,564,000 | 3,002 |
| Average earning assets | $179,130,000 | 3,014 |
| Average equity | $18,016,000 | 3,391 |
| Average total loans | $109,521,000 | 3,232 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 3,988 |
| Cost of funding earning assets | 0.3019% | 4,022 |
| Net interest margin | 3.4332% | 3,506 |
| Noninterest income to average assets | 0.4143% | 3,565 |
| Noninterest expense to average assets | 2.6563% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6502% | 3,935 |
| Return on assets (ROA) | 0.6502% | 3,970 |
| Pretax return on assets | 0.9538% | 3,574 |
| Return on Equity (ROE) | 7.1728% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.1728% | 1,796 |
| Net charge-offs to loans | -0.0333% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5795% | 2,302 |
| Assets per employee ($millions) | 5.6831% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,475 |
| Loan loss allowance to noncurrent loans | 17,110.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 1.6530% | 928 |
| Noncurrent loans to loans | 0.0091% | 5,215 |
| Net loans and leases to total assets | 57.5377% | 4,012 |
| Net loans and leases to deposits | 65.0982% | 4,245 |
| Net loans and leases to core deposits | 68.5661% | 4,250 |
| Total domestic deposits to total assets | 88.3861% | 1,494 |
| Equity capital to assets | 9.5594% | 4,221 |
| Core capital (leverage) ratio | 9.3882% | 4,243 |
| Tier 1 risk-based capital ratio | 13.7685% | 3,619 |
| Total risk-based capital ratio | 15.0200% | 3,524 |
| Memoranda: | ||
| Average total assets | $195,006,500 | 3,044 |
| Average earning assets | $181,521,000 | 3,014 |
| Average equity | $17,678,000 | 3,457 |
| Average total loans | $108,150,500 | 3,273 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 2,994 |
| Cost of funding earning assets | 0.3532% | 3,483 |
| Net interest margin | 3.7050% | 2,671 |
| Noninterest income to average assets | 0.4880% | 3,312 |
| Noninterest expense to average assets | 2.8403% | 2,873 |
| Loan and lease loss provision to assets | 0.0066% | 4,232 |
| Net operating income to assets | 0.7256% | 3,663 |
| Return on assets (ROA) | 0.7256% | 3,776 |
| Pretax return on assets | 1.0573% | 3,271 |
| Return on Equity (ROE) | 7.4950% | 3,220 |
| Retained earnings to average equity (ytd only) | 3.2621% | 3,588 |
| Net charge-offs to loans | -0.0958% | 5,578 |
| Credit loss provision to net charge-offs | -12.5000% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7502% | 2,471 |
| Assets per employee ($millions) | 6.1355% | 1,383 |
| Cash dividends to net income (ytd only)* | 56.4759% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,388 |
| Loan loss allowance to noncurrent loans | 14,183.3333% | 61 |
| Noncurrent assets plus other real estate owned to assets | 1.5321% | 1,067 |
| Noncurrent loans to loans | 0.0112% | 5,243 |
| Net loans and leases to total assets | 51.8497% | 4,622 |
| Net loans and leases to deposits | 58.4137% | 4,765 |
| Net loans and leases to core deposits | 61.4785% | 4,777 |
| Total domestic deposits to total assets | 88.7628% | 1,227 |
| Equity capital to assets | 8.6077% | 5,186 |
| Core capital (leverage) ratio | 9.6735% | 3,889 |
| Tier 1 risk-based capital ratio | 14.7439% | 3,075 |
| Total risk-based capital ratio | 15.9953% | 3,018 |
| Memoranda: | ||
| Average total assets | $183,010,200 | 3,135 |
| Average earning assets | $168,744,000 | 3,132 |
| Average equity | $17,718,400 | 3,453 |
| Average total loans | $100,182,000 | 3,379 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 2,438 |
| Cost of funding earning assets | 0.3564% | 3,472 |
| Net interest margin | 3.8677% | 2,092 |
| Noninterest income to average assets | 0.5261% | 3,069 |
| Noninterest expense to average assets | 2.9017% | 2,641 |
| Loan and lease loss provision to assets | 0.0090% | 4,059 |
| Net operating income to assets | 0.7933% | 3,399 |
| Return on assets (ROA) | 0.7933% | 3,540 |
| Pretax return on assets | 1.1646% | 2,985 |
| Return on Equity (ROE) | 7.9439% | 3,039 |
| Retained earnings to average equity (ytd only) | 2.3232% | 4,532 |
| Net charge-offs to loans | -0.0622% | 5,431 |
| Credit loss provision to net charge-offs | -26.0870% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2029% | 2,700 |
| Assets per employee ($millions) | 5.5391% | 1,817 |
| Cash dividends to net income (ytd only)* | 70.7550% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 1,607 |
| Loan loss allowance to noncurrent loans | 247.6762% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 2.3147% | 618 |
| Noncurrent loans to loans | 0.6263% | 3,134 |
| Net loans and leases to total assets | 57.3549% | 4,158 |
| Net loans and leases to deposits | 66.5721% | 4,297 |
| Net loans and leases to core deposits | 69.9122% | 4,334 |
| Total domestic deposits to total assets | 86.1546% | 2,278 |
| Equity capital to assets | 9.9535% | 4,171 |
| Core capital (leverage) ratio | 10.0363% | 3,525 |
| Tier 1 risk-based capital ratio | 14.7840% | 3,151 |
| Total risk-based capital ratio | 16.0358% | 3,093 |
| Memoranda: | ||
| Average total assets | $178,145,250 | 3,196 |
| Average earning assets | $163,470,000 | 3,201 |
| Average equity | $17,791,000 | 3,463 |
| Average total loans | $98,557,000 | 3,416 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,115 |
| Cost of funding earning assets | 0.3510% | 3,556 |
| Net interest margin | 3.9622% | 1,765 |
| Noninterest income to average assets | 0.5198% | 3,068 |
| Noninterest expense to average assets | 2.9298% | 2,584 |
| Loan and lease loss provision to assets | 0.0136% | 3,836 |
| Net operating income to assets | 0.8335% | 3,159 |
| Return on assets (ROA) | 0.8335% | 3,294 |
| Pretax return on assets | 1.2197% | 2,703 |
| Return on Equity (ROE) | 8.3368% | 2,818 |
| Retained earnings to average equity (ytd only) | -0.1586% | 5,317 |
| Net charge-offs to loans | -0.0209% | 4,963 |
| Credit loss provision to net charge-offs | -120.0000% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3754% | 2,923 |
| Assets per employee ($millions) | 5.6989% | 1,624 |
| Cash dividends to net income (ytd only)* | 101.9022% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,628 |
| Loan loss allowance to noncurrent loans | 167.0455% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 2.4402% | 583 |
| Noncurrent loans to loans | 0.9375% | 2,402 |
| Net loans and leases to total assets | 57.5317% | 4,165 |
| Net loans and leases to deposits | 67.1594% | 4,251 |
| Net loans and leases to core deposits | 70.7236% | 4,276 |
| Total domestic deposits to total assets | 85.6645% | 2,575 |
| Equity capital to assets | 10.1582% | 4,014 |
| Core capital (leverage) ratio | 10.2277% | 3,299 |
| Tier 1 risk-based capital ratio | 15.4035% | 2,901 |
| Total risk-based capital ratio | 16.6556% | 2,833 |
| Memoranda: | ||
| Average total assets | $176,597,000 | 3,236 |
| Average earning assets | $162,384,330 | 3,238 |
| Average equity | $17,656,670 | 3,492 |
| Average total loans | $95,912,330 | 3,482 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 1,412 |
| Cost of funding earning assets | 0.3481% | 3,618 |
| Net interest margin | 4.1872% | 1,124 |
| Noninterest income to average assets | 0.3557% | 4,185 |
| Noninterest expense to average assets | 2.8817% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8949% | 2,781 |
| Return on assets (ROA) | 0.8949% | 2,905 |
| Pretax return on assets | 1.3434% | 2,120 |
| Return on Equity (ROE) | 9.0224% | 2,416 |
| Retained earnings to average equity (ytd only) | -8.1087% | 5,754 |
| Net charge-offs to loans | -0.0043% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2038% | 3,431 |
| Assets per employee ($millions) | 5.5715% | 1,766 |
| Cash dividends to net income (ytd only)* | 189.8734% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 1,427 |
| Loan loss allowance to noncurrent loans | 163.4221% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 2.4711% | 607 |
| Noncurrent loans to loans | 1.0223% | 2,339 |
| Net loans and leases to total assets | 54.3516% | 4,420 |
| Net loans and leases to deposits | 62.7716% | 4,525 |
| Net loans and leases to core deposits | 66.3925% | 4,512 |
| Total domestic deposits to total assets | 86.5862% | 2,415 |
| Equity capital to assets | 10.0980% | 3,952 |
| Core capital (leverage) ratio | 9.8982% | 3,662 |
| Tier 1 risk-based capital ratio | 15.9734% | 2,695 |
| Total risk-based capital ratio | 17.2261% | 2,635 |
| Memoranda: | ||
| Average total assets | $176,562,500 | 3,241 |
| Average earning assets | $163,163,500 | 3,239 |
| Average equity | $17,512,000 | 3,511 |
| Average total loans | $92,240,500 | 3,568 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 1,752 |
| Cost of funding earning assets | 0.3821% | 3,344 |
| Net interest margin | 4.0662% | 1,498 |
| Noninterest income to average assets | 0.3557% | 4,359 |
| Noninterest expense to average assets | 2.7793% | 3,318 |
| Loan and lease loss provision to assets | 0.0018% | 4,351 |
| Net operating income to assets | 0.9293% | 2,706 |
| Return on assets (ROA) | 0.9280% | 2,806 |
| Pretax return on assets | 1.2813% | 2,352 |
| Return on Equity (ROE) | 9.2781% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.2781% | 592 |
| Net charge-offs to loans | -0.1444% | 5,886 |
| Credit loss provision to net charge-offs | -2.2727% | 4,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3857% | 3,492 |
| Assets per employee ($millions) | 5.6377% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 1,149 |
| Loan loss allowance to noncurrent loans | 142.9596% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 3.4339% | 350 |
| Noncurrent loans to loans | 1.2527% | 1,884 |
| Net loans and leases to total assets | 48.4554% | 4,977 |
| Net loans and leases to deposits | 56.3493% | 5,024 |
| Net loans and leases to core deposits | 59.8587% | 4,989 |
| Total domestic deposits to total assets | 85.9911% | 2,644 |
| Equity capital to assets | 9.7430% | 4,246 |
| Core capital (leverage) ratio | 10.0418% | 3,452 |
| Tier 1 risk-based capital ratio | 16.5894% | 2,432 |
| Total risk-based capital ratio | 17.8411% | 2,389 |
| Memoranda: | ||
| Average total assets | $168,422,200 | 3,327 |
| Average earning assets | $153,606,800 | 3,348 |
| Average equity | $16,846,200 | 3,552 |
| Average total loans | $91,396,400 | 3,563 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,378 |
| Cost of funding earning assets | 0.3891% | 3,338 |
| Net interest margin | 3.8683% | 2,132 |
| Noninterest income to average assets | 0.3724% | 4,272 |
| Noninterest expense to average assets | 2.7613% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8578% | 3,136 |
| Return on assets (ROA) | 0.8559% | 3,236 |
| Pretax return on assets | 1.1268% | 3,111 |
| Return on Equity (ROE) | 8.4974% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.4974% | 1,058 |
| Net charge-offs to loans | -0.4116% | 6,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9758% | 3,051 |
| Assets per employee ($millions) | 5.4895% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 963 |
| Loan loss allowance to noncurrent loans | 113.5417% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 4.1922% | 272 |
| Noncurrent loans to loans | 1.7334% | 1,384 |
| Net loans and leases to total assets | 51.0481% | 4,852 |
| Net loans and leases to deposits | 60.2035% | 4,842 |
| Net loans and leases to core deposits | 63.8976% | 4,821 |
| Total domestic deposits to total assets | 84.7925% | 3,099 |
| Equity capital to assets | 10.0227% | 4,124 |
| Core capital (leverage) ratio | 10.2763% | 3,276 |
| Tier 1 risk-based capital ratio | 16.3055% | 2,673 |
| Total risk-based capital ratio | 17.5604% | 2,616 |
| Memoranda: | ||
| Average total assets | $165,426,000 | 3,400 |
| Average earning assets | $150,448,250 | 3,426 |
| Average equity | $16,663,500 | 3,605 |
| Average total loans | $91,992,750 | 3,576 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 2,522 |
| Cost of funding earning assets | 0.3932% | 3,340 |
| Net interest margin | 3.8138% | 2,258 |
| Noninterest income to average assets | 0.4517% | 3,695 |
| Noninterest expense to average assets | 2.8344% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8219% | 3,270 |
| Return on assets (ROA) | 0.8191% | 3,393 |
| Pretax return on assets | 1.0705% | 3,300 |
| Return on Equity (ROE) | 8.1173% | 2,981 |
| Retained earnings to average equity (ytd only) | 8.1173% | 1,217 |
| Net charge-offs to loans | -0.2513% | 6,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5172% | 2,925 |
| Assets per employee ($millions) | 5.4921% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 1,580 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 4.5417% | 259 |
| Noncurrent loans to loans | 1.7086% | 1,515 |
| Net loans and leases to total assets | 55.0269% | 4,454 |
| Net loans and leases to deposits | 64.0468% | 4,530 |
| Net loans and leases to core deposits | 68.3210% | 4,467 |
| Total domestic deposits to total assets | 85.9167% | 2,731 |
| Equity capital to assets | 9.9106% | 4,140 |
| Core capital (leverage) ratio | 10.1872% | 3,351 |
| Tier 1 risk-based capital ratio | 15.5756% | 3,059 |
| Total risk-based capital ratio | 16.8285% | 3,003 |
| Memoranda: | ||
| Average total assets | $163,843,670 | 3,434 |
| Average earning assets | $148,513,670 | 3,478 |
| Average equity | $16,532,670 | 3,636 |
| Average total loans | $93,119,000 | 3,577 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 2,717 |
| Cost of funding earning assets | 0.4065% | 3,234 |
| Net interest margin | 3.7204% | 2,553 |
| Noninterest income to average assets | 0.4040% | 3,975 |
| Noninterest expense to average assets | 2.8106% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7204% | 3,695 |
| Return on assets (ROA) | 0.7149% | 3,853 |
| Pretax return on assets | 0.9475% | 3,706 |
| Return on Equity (ROE) | 7.0216% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.0216% | 2,005 |
| Net charge-offs to loans | -0.3549% | 6,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6424% | 2,712 |
| Assets per employee ($millions) | 5.4386% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 1,878 |
| Loan loss allowance to noncurrent loans | 96.9830% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 4.5956% | 284 |
| Noncurrent loans to loans | 1.7026% | 1,614 |
| Net loans and leases to total assets | 56.3267% | 4,162 |
| Net loans and leases to deposits | 65.2155% | 4,247 |
| Net loans and leases to core deposits | 69.7144% | 4,185 |
| Total domestic deposits to total assets | 86.3702% | 2,729 |
| Equity capital to assets | 10.0676% | 4,063 |
| Core capital (leverage) ratio | 9.8664% | 3,802 |
| Tier 1 risk-based capital ratio | 14.0474% | 3,973 |
| Total risk-based capital ratio | 15.2976% | 3,898 |
| Memoranda: | ||
| Average total assets | $163,384,000 | 3,462 |
| Average earning assets | $147,619,500 | 3,507 |
| Average equity | $16,634,500 | 3,642 |
| Average total loans | $93,558,500 | 3,576 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,541 |
| Cost of funding earning assets | 0.5444% | 2,252 |
| Net interest margin | 3.7729% | 2,720 |
| Noninterest income to average assets | 0.2620% | 5,260 |
| Noninterest expense to average assets | 2.7072% | 3,837 |
| Loan and lease loss provision to assets | 0.1020% | 2,449 |
| Net operating income to assets | 0.5599% | 4,558 |
| Return on assets (ROA) | 0.5636% | 4,632 |
| Pretax return on assets | 0.7702% | 4,367 |
| Return on Equity (ROE) | 5.7353% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.7353% | 2,113 |
| Net charge-offs to loans | 0.0498% | 3,832 |
| Credit loss provision to net charge-offs | 368.1818% | 712 |
| Earnings coverage of net charge-offs (x) | 31.2955% | 1,296 |
| Efficiency ratio | 75.7400% | 2,551 |
| Assets per employee ($millions) | 5.6418% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 2,237 |
| Loan loss allowance to noncurrent loans | 90.9601% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 4.5908% | 329 |
| Noncurrent loans to loans | 1.7123% | 1,704 |
| Net loans and leases to total assets | 56.3617% | 4,284 |
| Net loans and leases to deposits | 68.4248% | 4,086 |
| Net loans and leases to core deposits | 72.7877% | 4,048 |
| Total domestic deposits to total assets | 82.3704% | 4,286 |
| Equity capital to assets | 10.2945% | 3,730 |
| Core capital (leverage) ratio | 10.2511% | 3,245 |
| Tier 1 risk-based capital ratio | 14.8973% | 3,544 |
| Total risk-based capital ratio | 16.1480% | 3,477 |
| Memoranda: | ||
| Average total assets | $158,798,800 | 3,505 |
| Average earning assets | $139,414,600 | 3,614 |
| Average equity | $15,605,000 | 3,734 |
| Average total loans | $88,412,000 | 3,665 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,523 |
| Cost of funding earning assets | 0.5790% | 2,026 |
| Net interest margin | 3.7452% | 2,839 |
| Noninterest income to average assets | 0.2631% | 5,327 |
| Noninterest expense to average assets | 2.6904% | 3,855 |
| Loan and lease loss provision to assets | 0.1286% | 1,949 |
| Net operating income to assets | 0.5093% | 4,842 |
| Return on assets (ROA) | 0.5135% | 4,887 |
| Pretax return on assets | 0.7225% | 4,621 |
| Return on Equity (ROE) | 5.2912% | 4,585 |
| Retained earnings to average equity (ytd only) | 5.2912% | 2,890 |
| Net charge-offs to loans | 0.0796% | 3,062 |
| Credit loss provision to net charge-offs | 292.3077% | 924 |
| Earnings coverage of net charge-offs (x) | 19.2120% | 1,797 |
| Efficiency ratio | 76.0948% | 2,478 |
| Assets per employee ($millions) | 5.8109% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 2,440 |
| Loan loss allowance to noncurrent loans | 117.0593% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 4.7429% | 378 |
| Noncurrent loans to loans | 1.3360% | 2,410 |
| Net loans and leases to total assets | 55.7447% | 4,364 |
| Net loans and leases to deposits | 67.1802% | 4,224 |
| Net loans and leases to core deposits | 71.9716% | 4,155 |
| Total domestic deposits to total assets | 82.9779% | 4,161 |
| Equity capital to assets | 9.8644% | 4,337 |
| Core capital (leverage) ratio | 10.4203% | 3,137 |
| Tier 1 risk-based capital ratio | 14.5782% | 3,834 |
| Total risk-based capital ratio | 15.8291% | 3,777 |
| Memoranda: | ||
| Average total assets | $157,595,750 | 3,552 |
| Average earning assets | $137,701,000 | 3,664 |
| Average equity | $15,295,500 | 3,803 |
| Average total loans | $87,096,750 | 3,726 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 2,427 |
| Cost of funding earning assets | 0.5777% | 2,093 |
| Net interest margin | 3.7626% | 2,702 |
| Noninterest income to average assets | 0.4323% | 4,007 |
| Noninterest expense to average assets | 2.7788% | 3,579 |
| Loan and lease loss provision to assets | 0.1527% | 1,615 |
| Net operating income to assets | 0.5508% | 4,602 |
| Return on assets (ROA) | 0.5581% | 4,658 |
| Pretax return on assets | 0.7864% | 4,328 |
| Return on Equity (ROE) | 5.7830% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.7830% | 2,461 |
| Net charge-offs to loans | 0.1054% | 2,629 |
| Credit loss provision to net charge-offs | 264.4444% | 954 |
| Earnings coverage of net charge-offs (x) | 16.0889% | 1,814 |
| Efficiency ratio | 74.9481% | 2,815 |
| Assets per employee ($millions) | 5.5251% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 2,375 |
| Loan loss allowance to noncurrent loans | 117.3157% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 4.9005% | 373 |
| Noncurrent loans to loans | 1.3849% | 2,487 |
| Net loans and leases to total assets | 53.5091% | 4,595 |
| Net loans and leases to deposits | 64.5948% | 4,430 |
| Net loans and leases to core deposits | 69.1358% | 4,353 |
| Total domestic deposits to total assets | 82.8381% | 4,367 |
| Equity capital to assets | 9.8192% | 4,324 |
| Core capital (leverage) ratio | 10.4877% | 2,965 |
| Tier 1 risk-based capital ratio | 15.3464% | 3,442 |
| Total risk-based capital ratio | 16.5968% | 3,397 |
| Memoranda: | ||
| Average total assets | $155,892,330 | 3,595 |
| Average earning assets | $135,702,330 | 3,713 |
| Average equity | $15,044,000 | 3,849 |
| Average total loans | $85,415,330 | 3,782 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 2,735 |
| Cost of funding earning assets | 0.5553% | 2,383 |
| Net interest margin | 3.6811% | 2,945 |
| Noninterest income to average assets | 0.4345% | 3,911 |
| Noninterest expense to average assets | 2.7920% | 3,600 |
| Loan and lease loss provision to assets | 0.2004% | 1,163 |
| Net operating income to assets | 0.4918% | 4,729 |
| Return on assets (ROA) | 0.4918% | 4,809 |
| Pretax return on assets | 0.6505% | 4,660 |
| Return on Equity (ROE) | 5.1430% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.1430% | 3,025 |
| Net charge-offs to loans | -0.0047% | 4,809 |
| Credit loss provision to net charge-offs | -7,700.0000% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6429% | 2,702 |
| Assets per employee ($millions) | 5.5427% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 2,418 |
| Loan loss allowance to noncurrent loans | 60.3741% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 5.9686% | 284 |
| Noncurrent loans to loans | 2.7826% | 1,204 |
| Net loans and leases to total assets | 53.5488% | 4,481 |
| Net loans and leases to deposits | 63.7181% | 4,346 |
| Net loans and leases to core deposits | 68.1345% | 4,292 |
| Total domestic deposits to total assets | 84.0401% | 4,261 |
| Equity capital to assets | 9.6459% | 4,298 |
| Core capital (leverage) ratio | 10.5834% | 2,831 |
| Tier 1 risk-based capital ratio | 15.5227% | 3,423 |
| Total risk-based capital ratio | 16.7741% | 3,393 |
| Memoranda: | ||
| Average total assets | $153,725,000 | 3,653 |
| Average earning assets | $133,983,000 | 3,767 |
| Average equity | $14,699,500 | 3,916 |
| Average total loans | $84,547,000 | 3,832 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 2,336 |
| Cost of funding earning assets | 0.7100% | 1,742 |
| Net interest margin | 3.7572% | 2,817 |
| Noninterest income to average assets | 0.4199% | 4,299 |
| Noninterest expense to average assets | 2.8819% | 3,425 |
| Loan and lease loss provision to assets | 0.2209% | 1,652 |
| Net operating income to assets | 0.4069% | 5,125 |
| Return on assets (ROA) | 0.4069% | 5,233 |
| Pretax return on assets | 0.5669% | 4,980 |
| Return on Equity (ROE) | 3.9632% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.9632% | 3,380 |
| Net charge-offs to loans | 0.2811% | 2,292 |
| Credit loss provision to net charge-offs | 140.4348% | 1,659 |
| Earnings coverage of net charge-offs (x) | 5.0087% | 3,407 |
| Efficiency ratio | 78.5315% | 2,384 |
| Assets per employee ($millions) | 5.2502% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 2,815 |
| Loan loss allowance to noncurrent loans | 59.6796% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 5.7995% | 341 |
| Noncurrent loans to loans | 2.6570% | 1,390 |
| Net loans and leases to total assets | 54.6636% | 4,507 |
| Net loans and leases to deposits | 65.5225% | 4,348 |
| Net loans and leases to core deposits | 70.5161% | 4,242 |
| Total domestic deposits to total assets | 83.4271% | 4,386 |
| Equity capital to assets | 9.4769% | 4,456 |
| Core capital (leverage) ratio | 10.6117% | 2,768 |
| Tier 1 risk-based capital ratio | 15.5065% | 3,372 |
| Total risk-based capital ratio | 16.7451% | 3,330 |
| Memoranda: | ||
| Average total assets | $146,224,800 | 3,764 |
| Average earning assets | $126,478,000 | 3,918 |
| Average equity | $15,013,200 | 3,874 |
| Average total loans | $81,817,200 | 3,883 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 2,251 |
| Cost of funding earning assets | 0.7252% | 1,772 |
| Net interest margin | 3.7691% | 2,760 |
| Noninterest income to average assets | 0.4091% | 4,464 |
| Noninterest expense to average assets | 2.9445% | 3,154 |
| Loan and lease loss provision to assets | 0.2156% | 1,687 |
| Net operating income to assets | 0.3667% | 5,380 |
| Return on assets (ROA) | 0.3667% | 5,517 |
| Pretax return on assets | 0.5049% | 5,341 |
| Return on Equity (ROE) | 3.5005% | 5,433 |
| Retained earnings to average equity (ytd only) | 3.5005% | 4,201 |
| Net charge-offs to loans | 0.3911% | 1,639 |
| Credit loss provision to net charge-offs | 98.3193% | 2,425 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 3,750 |
| Efficiency ratio | 80.3419% | 2,049 |
| Assets per employee ($millions) | 5.3069% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 3,604 |
| Loan loss allowance to noncurrent loans | 57.3801% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 5.9882% | 405 |
| Noncurrent loans to loans | 2.5588% | 1,678 |
| Net loans and leases to total assets | 56.1830% | 4,296 |
| Net loans and leases to deposits | 67.9843% | 4,062 |
| Net loans and leases to core deposits | 73.1245% | 3,955 |
| Total domestic deposits to total assets | 82.6412% | 4,704 |
| Equity capital to assets | 9.7535% | 4,240 |
| Core capital (leverage) ratio | 10.5225% | 2,981 |
| Tier 1 risk-based capital ratio | 14.9041% | 3,812 |
| Total risk-based capital ratio | 16.1247% | 3,788 |
| Memoranda: | ||
| Average total assets | $144,717,250 | 3,828 |
| Average earning assets | $125,014,000 | 3,981 |
| Average equity | $15,159,250 | 3,885 |
| Average total loans | $81,129,250 | 3,935 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,986 |
| Cost of funding earning assets | 0.7384% | 1,787 |
| Net interest margin | 3.8230% | 2,464 |
| Noninterest income to average assets | 0.3612% | 4,805 |
| Noninterest expense to average assets | 2.9437% | 3,193 |
| Loan and lease loss provision to assets | 0.1869% | 2,023 |
| Net operating income to assets | 0.3835% | 5,272 |
| Return on assets (ROA) | 0.3835% | 5,441 |
| Pretax return on assets | 0.5229% | 5,294 |
| Return on Equity (ROE) | 3.5758% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.5758% | 4,044 |
| Net charge-offs to loans | 0.6055% | 1,093 |
| Credit loss provision to net charge-offs | 55.3719% | 3,116 |
| Earnings coverage of net charge-offs (x) | 2.1033% | 3,819 |
| Efficiency ratio | 80.5725% | 2,081 |
| Assets per employee ($millions) | 5.0843% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 4,112 |
| Loan loss allowance to noncurrent loans | 50.9156% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 6.3557% | 407 |
| Noncurrent loans to loans | 2.7185% | 1,678 |
| Net loans and leases to total assets | 57.0532% | 4,129 |
| Net loans and leases to deposits | 68.6533% | 3,916 |
| Net loans and leases to core deposits | 74.4130% | 3,744 |
| Total domestic deposits to total assets | 83.1034% | 4,664 |
| Equity capital to assets | 10.4952% | 3,314 |
| Core capital (leverage) ratio | 10.9834% | 2,369 |
| Tier 1 risk-based capital ratio | 15.9100% | 3,248 |
| Total risk-based capital ratio | 17.0663% | 3,254 |
| Memoranda: | ||
| Average total assets | $143,425,330 | 3,886 |
| Average earning assets | $123,515,670 | 4,042 |
| Average equity | $15,381,330 | 3,873 |
| Average total loans | $79,929,670 | 3,983 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 2,179 |
| Cost of funding earning assets | 0.7457% | 1,882 |
| Net interest margin | 3.7510% | 2,659 |
| Noninterest income to average assets | 0.2667% | 5,549 |
| Noninterest expense to average assets | 2.9203% | 3,271 |
| Loan and lease loss provision to assets | 0.1973% | 1,879 |
| Net operating income to assets | 0.3029% | 5,557 |
| Return on assets (ROA) | 0.3029% | 5,683 |
| Pretax return on assets | 0.3918% | 5,586 |
| Return on Equity (ROE) | 2.7946% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.7946% | 4,607 |
| Net charge-offs to loans | -0.0203% | 5,722 |
| Credit loss provision to net charge-offs | -1,775.0000% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2146% | 1,867 |
| Assets per employee ($millions) | 4.9380% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 3,018 |
| Loan loss allowance to noncurrent loans | 114.6320% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 5.6605% | 599 |
| Noncurrent loans to loans | 1.4811% | 3,339 |
| Net loans and leases to total assets | 53.5324% | 4,486 |
| Net loans and leases to deposits | 65.5214% | 4,118 |
| Net loans and leases to core deposits | 71.2771% | 3,919 |
| Total domestic deposits to total assets | 81.7022% | 5,298 |
| Equity capital to assets | 10.9041% | 3,074 |
| Core capital (leverage) ratio | 10.8608% | 2,387 |
| Tier 1 risk-based capital ratio | 16.3392% | 3,089 |
| Total risk-based capital ratio | 17.5912% | 3,040 |
| Memoranda: | ||
| Average total assets | $143,958,000 | 3,913 |
| Average earning assets | $124,447,500 | 4,056 |
| Average equity | $15,601,500 | 3,891 |
| Average total loans | $78,714,000 | 4,046 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 4,242 |
| Cost of funding earning assets | 0.9619% | 1,573 |
| Net interest margin | 3.3250% | 5,163 |
| Noninterest income to average assets | 0.3623% | 4,890 |
| Noninterest expense to average assets | 2.7284% | 4,292 |
| Loan and lease loss provision to assets | 0.3284% | 2,066 |
| Net operating income to assets | 0.1936% | 5,798 |
| Return on assets (ROA) | 0.2733% | 5,776 |
| Pretax return on assets | 0.3313% | 5,763 |
| Return on Equity (ROE) | 2.5189% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.5189% | 4,454 |
| Net charge-offs to loans | 1.2537% | 787 |
| Credit loss provision to net charge-offs | 45.2335% | 4,810 |
| Earnings coverage of net charge-offs (x) | 0.7763% | 5,089 |
| Efficiency ratio | 82.8792% | 1,763 |
| Assets per employee ($millions) | 5.1683% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,436 |
| Loan loss allowance to noncurrent loans | 69.7987% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 6.3388% | 525 |
| Noncurrent loans to loans | 2.2506% | 2,402 |
| Net loans and leases to total assets | 54.0352% | 4,614 |
| Net loans and leases to deposits | 64.0625% | 4,524 |
| Net loans and leases to core deposits | 69.1241% | 4,418 |
| Total domestic deposits to total assets | 84.3476% | 4,158 |
| Equity capital to assets | 10.7717% | 3,204 |
| Core capital (leverage) ratio | 10.6475% | 2,600 |
| Tier 1 risk-based capital ratio | 16.1075% | 3,104 |
| Total risk-based capital ratio | 17.3576% | 3,055 |
| Memoranda: | ||
| Average total assets | $141,584,800 | 3,922 |
| Average earning assets | $124,752,800 | 4,002 |
| Average equity | $15,364,000 | 3,883 |
| Average total loans | $81,998,400 | 3,971 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 4,491 |
| Cost of funding earning assets | 1.0081% | 1,506 |
| Net interest margin | 3.2806% | 5,453 |
| Noninterest income to average assets | 0.3977% | 4,655 |
| Noninterest expense to average assets | 2.7044% | 4,350 |
| Loan and lease loss provision to assets | 0.3144% | 2,098 |
| Net operating income to assets | 0.1953% | 5,932 |
| Return on assets (ROA) | 0.2661% | 5,928 |
| Pretax return on assets | 0.3920% | 5,736 |
| Return on Equity (ROE) | 2.4475% | 5,899 |
| Retained earnings to average equity (ytd only) | 2.4475% | 5,106 |
| Net charge-offs to loans | 0.9390% | 1,150 |
| Credit loss provision to net charge-offs | 57.0447% | 4,239 |
| Earnings coverage of net charge-offs (x) | 1.0928% | 4,756 |
| Efficiency ratio | 81.7869% | 1,834 |
| Assets per employee ($millions) | 5.4713% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 2,154 |
| Loan loss allowance to noncurrent loans | 67.7070% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 6.2627% | 620 |
| Noncurrent loans to loans | 2.9617% | 1,889 |
| Net loans and leases to total assets | 53.6589% | 4,800 |
| Net loans and leases to deposits | 63.9500% | 4,718 |
| Net loans and leases to core deposits | 70.5400% | 4,428 |
| Total domestic deposits to total assets | 83.9077% | 4,268 |
| Equity capital to assets | 10.8763% | 3,410 |
| Core capital (leverage) ratio | 10.7295% | 2,672 |
| Tier 1 risk-based capital ratio | 16.3947% | 3,065 |
| Total risk-based capital ratio | 17.6503% | 3,026 |
| Memoranda: | ||
| Average total assets | $140,802,750 | 3,976 |
| Average earning assets | $124,852,250 | 4,046 |
| Average equity | $15,308,000 | 3,935 |
| Average total loans | $82,637,000 | 4,002 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 4,741 |
| Cost of funding earning assets | 1.0402% | 1,523 |
| Net interest margin | 3.2148% | 5,692 |
| Noninterest income to average assets | 0.3777% | 4,815 |
| Noninterest expense to average assets | 2.7053% | 4,396 |
| Loan and lease loss provision to assets | 0.3321% | 1,981 |
| Net operating income to assets | 0.1430% | 6,062 |
| Return on assets (ROA) | 0.2480% | 5,960 |
| Pretax return on assets | 0.3692% | 5,783 |
| Return on Equity (ROE) | 2.2815% | 5,953 |
| Retained earnings to average equity (ytd only) | 2.2815% | 5,050 |
| Net charge-offs to loans | 0.7196% | 1,539 |
| Credit loss provision to net charge-offs | 76.8977% | 3,409 |
| Earnings coverage of net charge-offs (x) | 1.2607% | 4,379 |
| Efficiency ratio | 83.2456% | 1,717 |
| Assets per employee ($millions) | 5.4597% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1570% | 1,871 |
| Loan loss allowance to noncurrent loans | 40.4884% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 6.2894% | 663 |
| Noncurrent loans to loans | 5.3275% | 891 |
| Net loans and leases to total assets | 55.6336% | 4,528 |
| Net loans and leases to deposits | 66.3338% | 4,465 |
| Net loans and leases to core deposits | 73.3064% | 4,123 |
| Total domestic deposits to total assets | 83.8692% | 4,363 |
| Equity capital to assets | 10.8354% | 3,306 |
| Core capital (leverage) ratio | 10.7274% | 2,566 |
| Tier 1 risk-based capital ratio | 16.0314% | 3,148 |
| Total risk-based capital ratio | 17.2916% | 3,111 |
| Memoranda: | ||
| Average total assets | $140,319,000 | 4,002 |
| Average earning assets | $125,358,000 | 4,044 |
| Average equity | $15,253,330 | 3,933 |
| Average total loans | $84,218,000 | 3,964 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 4,833 |
| Cost of funding earning assets | 1.0471% | 1,697 |
| Net interest margin | 3.2267% | 5,712 |
| Noninterest income to average assets | 0.3355% | 5,178 |
| Noninterest expense to average assets | 2.7469% | 4,255 |
| Loan and lease loss provision to assets | 0.2839% | 2,193 |
| Net operating income to assets | 0.1589% | 6,097 |
| Return on assets (ROA) | 0.1806% | 6,181 |
| Pretax return on assets | 0.2609% | 6,060 |
| Return on Equity (ROE) | 1.6590% | 6,169 |
| Retained earnings to average equity (ytd only) | 1.6590% | 5,403 |
| Net charge-offs to loans | 0.2047% | 2,898 |
| Credit loss provision to net charge-offs | 225.0000% | 1,233 |
| Earnings coverage of net charge-offs (x) | 4.0682% | 2,669 |
| Efficiency ratio | 84.2568% | 1,658 |
| Assets per employee ($millions) | 5.6048% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2017% | 1,879 |
| Loan loss allowance to noncurrent loans | 28.2005% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 7.1354% | 589 |
| Noncurrent loans to loans | 7.8074% | 504 |
| Net loans and leases to total assets | 59.2175% | 3,819 |
| Net loans and leases to deposits | 70.4683% | 3,663 |
| Net loans and leases to core deposits | 78.8698% | 3,203 |
| Total domestic deposits to total assets | 84.0343% | 4,474 |
| Equity capital to assets | 10.8237% | 3,113 |
| Core capital (leverage) ratio | 10.4644% | 2,791 |
| Tier 1 risk-based capital ratio | 15.3291% | 3,544 |
| Total risk-based capital ratio | 16.5908% | 3,495 |
| Memoranda: | ||
| Average total assets | $139,502,500 | 4,045 |
| Average earning assets | $126,444,500 | 4,050 |
| Average equity | $15,189,500 | 3,955 |
| Average total loans | $85,970,000 | 3,939 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 4,507 |
| Cost of funding earning assets | 1.2840% | 1,558 |
| Net interest margin | 3.3553% | 5,628 |
| Noninterest income to average assets | 0.1461% | 6,416 |
| Noninterest expense to average assets | 2.6147% | 5,038 |
| Loan and lease loss provision to assets | 0.3586% | 2,855 |
| Net operating income to assets | 0.1694% | 5,675 |
| Return on assets (ROA) | 0.1694% | 5,820 |
| Pretax return on assets | 0.2386% | 5,695 |
| Return on Equity (ROE) | 1.5994% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.5994% | 5,073 |
| Net charge-offs to loans | 0.5359% | 2,861 |
| Credit loss provision to net charge-offs | 102.0080% | 3,402 |
| Earnings coverage of net charge-offs (x) | 1.6988% | 4,502 |
| Efficiency ratio | 81.4066% | 2,098 |
| Assets per employee ($millions) | 5.3418% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0804% | 2,064 |
| Loan loss allowance to noncurrent loans | 25.9748% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 7.2621% | 620 |
| Noncurrent loans to loans | 8.0095% | 499 |
| Net loans and leases to total assets | 61.4065% | 3,709 |
| Net loans and leases to deposits | 73.1759% | 3,636 |
| Net loans and leases to core deposits | 80.9225% | 3,325 |
| Total domestic deposits to total assets | 83.9163% | 4,342 |
| Equity capital to assets | 10.9536% | 3,024 |
| Core capital (leverage) ratio | 10.2634% | 3,011 |
| Tier 1 risk-based capital ratio | 15.1243% | 3,564 |
| Total risk-based capital ratio | 16.3814% | 3,527 |
| Memoranda: | ||
| Average total assets | $141,659,800 | 3,944 |
| Average earning assets | $129,436,800 | 3,943 |
| Average equity | $15,005,400 | 3,905 |
| Average total loans | $92,920,600 | 3,789 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 4,472 |
| Cost of funding earning assets | 1.3447% | 1,479 |
| Net interest margin | 3.3552% | 5,698 |
| Noninterest income to average assets | 0.1161% | 6,680 |
| Noninterest expense to average assets | 2.6281% | 4,981 |
| Loan and lease loss provision to assets | 0.4580% | 2,170 |
| Net operating income to assets | 0.0599% | 6,048 |
| Return on assets (ROA) | 0.0599% | 6,156 |
| Pretax return on assets | 0.1030% | 6,086 |
| Return on Equity (ROE) | 0.5706% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.5706% | 5,786 |
| Net charge-offs to loans | 0.5015% | 2,754 |
| Credit loss provision to net charge-offs | 137.7465% | 2,316 |
| Earnings coverage of net charge-offs (x) | 1.6873% | 4,391 |
| Efficiency ratio | 82.4082% | 1,909 |
| Assets per employee ($millions) | 5.5711% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1445% | 1,975 |
| Loan loss allowance to noncurrent loans | 25.5783% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 7.2862% | 654 |
| Noncurrent loans to loans | 8.3840% | 508 |
| Net loans and leases to total assets | 60.9573% | 3,950 |
| Net loans and leases to deposits | 72.2151% | 3,952 |
| Net loans and leases to core deposits | 80.6747% | 3,537 |
| Total domestic deposits to total assets | 84.4107% | 4,047 |
| Equity capital to assets | 10.4695% | 3,746 |
| Core capital (leverage) ratio | 10.0272% | 3,397 |
| Tier 1 risk-based capital ratio | 14.3903% | 4,061 |
| Total risk-based capital ratio | 15.6490% | 4,021 |
| Memoranda: | ||
| Average total assets | $142,353,250 | 3,957 |
| Average earning assets | $130,383,250 | 3,949 |
| Average equity | $14,953,500 | 3,930 |
| Average total loans | $94,376,500 | 3,791 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 4,327 |
| Cost of funding earning assets | 1.4053% | 1,397 |
| Net interest margin | 3.3397% | 5,741 |
| Noninterest income to average assets | 0.3067% | 5,444 |
| Noninterest expense to average assets | 2.6597% | 4,969 |
| Loan and lease loss provision to assets | 0.4268% | 2,297 |
| Net operating income to assets | 0.1936% | 5,759 |
| Return on assets (ROA) | 0.1936% | 5,875 |
| Pretax return on assets | 0.2798% | 5,711 |
| Return on Equity (ROE) | 1.8410% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.8410% | 5,066 |
| Net charge-offs to loans | 0.7206% | 2,070 |
| Credit loss provision to net charge-offs | 87.5362% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.4493% | 4,196 |
| Efficiency ratio | 79.0092% | 2,556 |
| Assets per employee ($millions) | 5.2960% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 2,679 |
| Loan loss allowance to noncurrent loans | 16.7700% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 8.8572% | 476 |
| Noncurrent loans to loans | 11.3091% | 300 |
| Net loans and leases to total assets | 63.5963% | 3,553 |
| Net loans and leases to deposits | 75.5284% | 3,554 |
| Net loans and leases to core deposits | 86.9611% | 2,767 |
| Total domestic deposits to total assets | 84.2018% | 4,260 |
| Equity capital to assets | 10.6028% | 3,376 |
| Core capital (leverage) ratio | 9.9676% | 3,300 |
| Tier 1 risk-based capital ratio | 14.1510% | 4,060 |
| Total risk-based capital ratio | 15.4072% | 4,026 |
| Memoranda: | ||
| Average total assets | $141,521,330 | 4,003 |
| Average earning assets | $129,652,670 | 3,997 |
| Average equity | $14,883,000 | 3,929 |
| Average total loans | $95,758,330 | 3,802 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 3,061 |
| Cost of funding earning assets | 1.4405% | 1,431 |
| Net interest margin | 3.5702% | 4,719 |
| Noninterest income to average assets | 0.2529% | 5,873 |
| Noninterest expense to average assets | 2.6366% | 5,093 |
| Loan and lease loss provision to assets | 0.4319% | 2,033 |
| Net operating income to assets | 0.2983% | 5,414 |
| Return on assets (ROA) | 0.2983% | 5,483 |
| Pretax return on assets | 0.4517% | 5,178 |
| Return on Equity (ROE) | 2.8486% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.8486% | 4,461 |
| Net charge-offs to loans | 0.7729% | 1,668 |
| Credit loss provision to net charge-offs | 80.8511% | 3,142 |
| Earnings coverage of net charge-offs (x) | 1.6543% | 3,485 |
| Efficiency ratio | 74.8991% | 3,348 |
| Assets per employee ($millions) | 5.2568% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 2,890 |
| Loan loss allowance to noncurrent loans | 16.2703% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 8.9866% | 481 |
| Noncurrent loans to loans | 11.3054% | 323 |
| Net loans and leases to total assets | 66.3616% | 2,913 |
| Net loans and leases to deposits | 79.7604% | 2,754 |
| Net loans and leases to core deposits | 92.0597% | 2,123 |
| Total domestic deposits to total assets | 83.2012% | 4,851 |
| Equity capital to assets | 10.4430% | 3,245 |
| Core capital (leverage) ratio | 10.0601% | 3,078 |
| Tier 1 risk-based capital ratio | 13.6809% | 4,300 |
| Total risk-based capital ratio | 14.9356% | 4,272 |
| Memoranda: | ||
| Average total assets | $140,786,500 | 4,050 |
| Average earning assets | $128,846,000 | 4,049 |
| Average equity | $14,744,000 | 3,953 |
| Average total loans | $97,290,000 | 3,797 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 4,451 |
| Cost of funding earning assets | 1.7347% | 1,445 |
| Net interest margin | 3.2855% | 6,030 |
| Noninterest income to average assets | 0.2369% | 6,105 |
| Noninterest expense to average assets | 2.5862% | 5,470 |
| Loan and lease loss provision to assets | 0.6823% | 2,418 |
| Net operating income to assets | 0.0013% | 5,829 |
| Return on assets (ROA) | 0.0739% | 5,786 |
| Pretax return on assets | 0.1008% | 5,698 |
| Return on Equity (ROE) | 0.7258% | 5,773 |
| Retained earnings to average equity (ytd only) | 0.7258% | 5,196 |
| Net charge-offs to loans | 0.6522% | 3,052 |
| Credit loss provision to net charge-offs | 152.4691% | 2,350 |
| Earnings coverage of net charge-offs (x) | 1.5278% | 4,600 |
| Efficiency ratio | 79.0919% | 2,527 |
| Assets per employee ($millions) | 5.1719% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 2,777 |
| Loan loss allowance to noncurrent loans | 19.5889% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 8.3522% | 572 |
| Noncurrent loans to loans | 9.3221% | 479 |
| Net loans and leases to total assets | 69.3390% | 2,704 |
| Net loans and leases to deposits | 83.2230% | 2,585 |
| Net loans and leases to core deposits | 98.6943% | 1,730 |
| Total domestic deposits to total assets | 83.3171% | 4,676 |
| Equity capital to assets | 10.5027% | 3,151 |
| Core capital (leverage) ratio | 9.6982% | 3,432 |
| Tier 1 risk-based capital ratio | 13.2761% | 4,393 |
| Total risk-based capital ratio | 14.3523% | 4,484 |
| Memoranda: | ||
| Average total assets | $144,808,600 | 3,971 |
| Average earning assets | $133,680,200 | 3,936 |
| Average equity | $14,743,200 | 3,984 |
| Average total loans | $99,358,200 | 3,814 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 4,925 |
| Cost of funding earning assets | 1.7901% | 1,456 |
| Net interest margin | 3.1857% | 6,392 |
| Noninterest income to average assets | 0.2336% | 6,213 |
| Noninterest expense to average assets | 2.5388% | 5,565 |
| Loan and lease loss provision to assets | 0.6717% | 2,276 |
| Net operating income to assets | -0.0219% | 6,033 |
| Return on assets (ROA) | 0.0739% | 5,975 |
| Pretax return on assets | 0.0986% | 5,914 |
| Return on Equity (ROE) | 0.7316% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.7316% | 5,509 |
| Net charge-offs to loans | 0.6416% | 2,826 |
| Credit loss provision to net charge-offs | 153.6534% | 2,507 |
| Earnings coverage of net charge-offs (x) | 1.4697% | 4,627 |
| Efficiency ratio | 79.8049% | 2,365 |
| Assets per employee ($millions) | 4.9831% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,909 |
| Loan loss allowance to noncurrent loans | 27.4485% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 5.9048% | 1,018 |
| Noncurrent loans to loans | 6.4357% | 930 |
| Net loans and leases to total assets | 66.1108% | 3,665 |
| Net loans and leases to deposits | 79.3660% | 3,564 |
| Net loans and leases to core deposits | 93.8200% | 2,546 |
| Total domestic deposits to total assets | 83.2986% | 4,460 |
| Equity capital to assets | 10.3398% | 3,716 |
| Core capital (leverage) ratio | 10.1606% | 3,084 |
| Tier 1 risk-based capital ratio | 13.6278% | 4,100 |
| Total risk-based capital ratio | 14.8819% | 4,050 |
| Memoranda: | ||
| Average total assets | $146,100,750 | 4,000 |
| Average earning assets | $135,182,250 | 3,965 |
| Average equity | $14,762,500 | 4,043 |
| Average total loans | $99,541,250 | 3,871 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 5,506 |
| Cost of funding earning assets | 1.8307% | 1,527 |
| Net interest margin | 3.0438% | 6,739 |
| Noninterest income to average assets | 0.2237% | 6,318 |
| Noninterest expense to average assets | 2.5288% | 5,612 |
| Loan and lease loss provision to assets | 0.7979% | 1,815 |
| Net operating income to assets | -0.1590% | 6,303 |
| Return on assets (ROA) | -0.0368% | 6,218 |
| Pretax return on assets | -0.0887% | 6,234 |
| Return on Equity (ROE) | -0.3673% | 6,227 |
| Retained earnings to average equity (ytd only) | -0.3673% | 5,810 |
| Net charge-offs to loans | 0.8634% | 2,100 |
| Credit loss provision to net charge-offs | 135.1039% | 2,970 |
| Earnings coverage of net charge-offs (x) | 0.8776% | 4,892 |
| Efficiency ratio | 82.9902% | 2,042 |
| Assets per employee ($millions) | 4.7514% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 3,347 |
| Loan loss allowance to noncurrent loans | 25.4611% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 5.8469% | 1,022 |
| Noncurrent loans to loans | 6.3817% | 953 |
| Net loans and leases to total assets | 66.3845% | 3,752 |
| Net loans and leases to deposits | 79.5333% | 3,681 |
| Net loans and leases to core deposits | 96.6072% | 2,377 |
| Total domestic deposits to total assets | 83.4675% | 4,359 |
| Equity capital to assets | 10.0603% | 3,935 |
| Core capital (leverage) ratio | 9.8489% | 3,342 |
| Tier 1 risk-based capital ratio | 13.0035% | 4,441 |
| Total risk-based capital ratio | 14.2232% | 4,431 |
| Memoranda: | ||
| Average total assets | $146,631,330 | 4,019 |
| Average earning assets | $136,012,670 | 3,974 |
| Average equity | $14,702,670 | 4,050 |
| Average total loans | $100,303,670 | 3,888 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 5,986 |
| Cost of funding earning assets | 1.6832% | 2,468 |
| Net interest margin | 3.0912% | 6,612 |
| Noninterest income to average assets | 0.3254% | 5,551 |
| Noninterest expense to average assets | 2.7860% | 4,535 |
| Loan and lease loss provision to assets | 0.6234% | 2,035 |
| Net operating income to assets | -0.1230% | 6,452 |
| Return on assets (ROA) | -0.1230% | 6,534 |
| Pretax return on assets | -0.1969% | 6,553 |
| Return on Equity (ROE) | -1.2291% | 6,552 |
| Retained earnings to average equity (ytd only) | -1.2291% | 6,086 |
| Net charge-offs to loans | 0.5161% | 2,518 |
| Credit loss provision to net charge-offs | 175.3846% | 2,076 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 4,046 |
| Efficiency ratio | 86.7234% | 1,714 |
| Assets per employee ($millions) | 4.8267% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 3,601 |
| Loan loss allowance to noncurrent loans | 27.8891% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 4.4861% | 1,504 |
| Noncurrent loans to loans | 5.6112% | 1,230 |
| Net loans and leases to total assets | 67.7221% | 3,461 |
| Net loans and leases to deposits | 78.9831% | 3,843 |
| Net loans and leases to core deposits | 95.7403% | 2,614 |
| Total domestic deposits to total assets | 85.7426% | 3,285 |
| Equity capital to assets | 9.9439% | 3,935 |
| Core capital (leverage) ratio | 9.8603% | 3,327 |
| Tier 1 risk-based capital ratio | 13.4675% | 4,006 |
| Total risk-based capital ratio | 14.7296% | 3,967 |
| Memoranda: | ||
| Average total assets | $146,301,000 | 4,085 |
| Average earning assets | $136,646,500 | 4,021 |
| Average equity | $14,645,000 | 4,086 |
| Average total loans | $100,758,500 | 3,935 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 5,804 |
| Cost of funding earning assets | 2.5677% | 860 |
| Net interest margin | 2.5994% | 7,333 |
| Noninterest income to average assets | 0.3205% | 5,794 |
| Noninterest expense to average assets | 2.8136% | 4,915 |
| Loan and lease loss provision to assets | 1.0249% | 2,221 |
| Net operating income to assets | -0.6854% | 6,351 |
| Return on assets (ROA) | -0.6444% | 6,310 |
| Pretax return on assets | -1.0463% | 6,442 |
| Return on Equity (ROE) | -7.1403% | 6,395 |
| Retained earnings to average equity (ytd only) | -7.1403% | 6,254 |
| Net charge-offs to loans | 1.4728% | 1,701 |
| Credit loss provision to net charge-offs | 99.5469% | 5,599 |
| Earnings coverage of net charge-offs (x) | -0.0828% | 6,316 |
| Efficiency ratio | 103.1265% | 975 |
| Assets per employee ($millions) | 4.6188% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 4,058 |
| Loan loss allowance to noncurrent loans | 36.4339% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 3.3261% | 2,054 |
| Noncurrent loans to loans | 3.9354% | 1,888 |
| Net loans and leases to total assets | 67.9526% | 3,709 |
| Net loans and leases to deposits | 80.9195% | 3,816 |
| Net loans and leases to core deposits | 113.5091% | 2,547 |
| Total domestic deposits to total assets | 83.9756% | 4,034 |
| Equity capital to assets | 10.0751% | 3,655 |
| Core capital (leverage) ratio | 9.8300% | 3,297 |
| Tier 1 risk-based capital ratio | 13.2020% | 4,013 |
| Total risk-based capital ratio | 14.4195% | 3,982 |
| Memoranda: | ||
| Average total assets | $150,058,200 | 3,960 |
| Average earning assets | $138,996,000 | 3,927 |
| Average equity | $13,542,800 | 4,376 |
| Average total loans | $104,900,000 | 3,809 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2133% | 5,823 |
| Cost of funding earning assets | 2.4964% | 1,316 |
| Net interest margin | 2.7169% | 7,189 |
| Noninterest income to average assets | 0.3107% | 6,002 |
| Noninterest expense to average assets | 2.9362% | 4,292 |
| Loan and lease loss provision to assets | 0.3709% | 4,104 |
| Net operating income to assets | -0.2978% | 6,193 |
| Return on assets (ROA) | -0.2434% | 6,136 |
| Pretax return on assets | -0.3921% | 6,189 |
| Return on Equity (ROE) | -2.7765% | 6,209 |
| Retained earnings to average equity (ytd only) | -2.7765% | 5,892 |
| Net charge-offs to loans | 0.4038% | 3,639 |
| Credit loss provision to net charge-offs | 130.9375% | 3,819 |
| Earnings coverage of net charge-offs (x) | -0.3750% | 6,406 |
| Efficiency ratio | 103.7535% | 928 |
| Assets per employee ($millions) | 4.5032% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,414 |
| Loan loss allowance to noncurrent loans | 55.0439% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 3.0455% | 2,272 |
| Noncurrent loans to loans | 2.7323% | 2,777 |
| Net loans and leases to total assets | 66.9837% | 4,186 |
| Net loans and leases to deposits | 77.7043% | 4,778 |
| Net loans and leases to core deposits | 103.5103% | 3,994 |
| Total domestic deposits to total assets | 86.2033% | 2,585 |
| Equity capital to assets | 9.9674% | 4,128 |
| Core capital (leverage) ratio | 9.9959% | 3,289 |
| Tier 1 risk-based capital ratio | 13.3949% | 3,925 |
| Total risk-based capital ratio | 14.6553% | 3,855 |
| Memoranda: | ||
| Average total assets | $150,622,750 | 3,971 |
| Average earning assets | $139,663,750 | 3,933 |
| Average equity | $13,205,750 | 4,484 |
| Average total loans | $105,651,250 | 3,830 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 6,007 |
| Cost of funding earning assets | 2.5515% | 1,446 |
| Net interest margin | 2.6679% | 7,272 |
| Noninterest income to average assets | 0.4606% | 4,773 |
| Noninterest expense to average assets | 2.9307% | 4,379 |
| Loan and lease loss provision to assets | 0.4152% | 3,456 |
| Net operating income to assets | -0.2489% | 6,262 |
| Return on assets (ROA) | -0.1669% | 6,155 |
| Pretax return on assets | -0.2790% | 6,213 |
| Return on Equity (ROE) | -1.9967% | 6,223 |
| Retained earnings to average equity (ytd only) | -1.9967% | 5,741 |
| Net charge-offs to loans | 0.4521% | 3,016 |
| Credit loss provision to net charge-offs | 129.5833% | 3,588 |
| Earnings coverage of net charge-offs (x) | 0.0250% | 5,650 |
| Efficiency ratio | 99.7274% | 1,189 |
| Assets per employee ($millions) | 4.2475% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 3,359 |
| Loan loss allowance to noncurrent loans | 76.6169% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.1747% | 2,969 |
| Noncurrent loans to loans | 1.9164% | 3,647 |
| Net loans and leases to total assets | 69.5170% | 3,810 |
| Net loans and leases to deposits | 83.8330% | 3,911 |
| Net loans and leases to core deposits | 108.3189% | 3,574 |
| Total domestic deposits to total assets | 82.9231% | 4,277 |
| Equity capital to assets | 8.2885% | 6,346 |
| Core capital (leverage) ratio | 7.6850% | 6,779 |
| Tier 1 risk-based capital ratio | 10.8920% | 5,991 |
| Total risk-based capital ratio | 12.1440% | 5,933 |
| Memoranda: | ||
| Average total assets | $149,794,000 | 3,993 |
| Average earning assets | $139,136,000 | 3,966 |
| Average equity | $12,520,670 | 4,670 |
| Average total loans | $106,160,330 | 3,852 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 6,086 |
| Cost of funding earning assets | 2.5541% | 1,725 |
| Net interest margin | 2.7027% | 7,202 |
| Noninterest income to average assets | 0.5746% | 3,726 |
| Noninterest expense to average assets | 2.7640% | 4,723 |
| Loan and lease loss provision to assets | 0.2474% | 3,995 |
| Net operating income to assets | 0.0441% | 6,147 |
| Return on assets (ROA) | 0.2075% | 5,802 |
| Pretax return on assets | 0.3352% | 5,576 |
| Return on Equity (ROE) | 2.4723% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.4723% | 4,496 |
| Net charge-offs to loans | 0.3071% | 2,879 |
| Credit loss provision to net charge-offs | 113.4146% | 3,425 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,981 |
| Efficiency ratio | 89.4148% | 1,768 |
| Assets per employee ($millions) | 4.6034% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 3,620 |
| Loan loss allowance to noncurrent loans | 207.2829% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 4,324 |
| Noncurrent loans to loans | 0.6655% | 5,740 |
| Net loans and leases to total assets | 67.6061% | 4,222 |
| Net loans and leases to deposits | 81.4112% | 4,387 |
| Net loans and leases to core deposits | 101.9540% | 4,351 |
| Total domestic deposits to total assets | 83.0427% | 4,129 |
| Equity capital to assets | 8.0324% | 6,759 |
| Core capital (leverage) ratio | 8.0887% | 6,316 |
| Tier 1 risk-based capital ratio | 10.8006% | 6,095 |
| Total risk-based capital ratio | 12.0515% | 5,995 |
| Memoranda: | ||
| Average total assets | $150,359,500 | 4,004 |
| Average earning assets | $140,009,500 | 3,954 |
| Average equity | $12,620,000 | 4,675 |
| Average total loans | $106,797,500 | 3,865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1965% | 4,535 |
| Cost of funding earning assets | 3.0698% | 1,604 |
| Net interest margin | 3.1266% | 6,570 |
| Noninterest income to average assets | 0.2963% | 6,342 |
| Noninterest expense to average assets | 3.0700% | 3,821 |
| Loan and lease loss provision to assets | 0.4473% | 3,052 |
| Net operating income to assets | -0.2206% | 6,643 |
| Return on assets (ROA) | -0.2075% | 6,475 |
| Pretax return on assets | -0.2497% | 6,409 |
| Return on Equity (ROE) | -2.6409% | 6,580 |
| Retained earnings to average equity (ytd only) | -2.6409% | 6,026 |
| Net charge-offs to loans | 0.2903% | 3,464 |
| Credit loss provision to net charge-offs | 200.9646% | 2,423 |
| Earnings coverage of net charge-offs (x) | 0.8167% | 5,743 |
| Efficiency ratio | 94.4102% | 1,251 |
| Assets per employee ($millions) | 4.3698% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 3,302 |
| Loan loss allowance to noncurrent loans | 273.0483% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 2.8342% | 1,656 |
| Noncurrent loans to loans | 0.5061% | 5,832 |
| Net loans and leases to total assets | 72.6973% | 3,436 |
| Net loans and leases to deposits | 88.4195% | 3,735 |
| Net loans and leases to core deposits | 110.0646% | 3,777 |
| Total domestic deposits to total assets | 82.2187% | 4,114 |
| Equity capital to assets | 8.7849% | 5,677 |
| Core capital (leverage) ratio | 8.2529% | 6,051 |
| Tier 1 risk-based capital ratio | 10.8415% | 5,866 |
| Total risk-based capital ratio | 12.1007% | 5,771 |
| Memoranda: | ||
| Average total assets | $139,741,000 | 4,085 |
| Average earning assets | $132,091,600 | 4,006 |
| Average equity | $10,981,000 | 5,128 |
| Average total loans | $107,116,600 | 3,764 |