Home > Park Federal Savings Bank > Performance and Condition Ratios
Park Federal Savings Bank, Performance and Condition Ratios
| 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 | 4.2107% | 2,427 |
| Cost of funding earning assets | 1.2193% | 49 |
| Net interest margin | 2.9914% | 5,141 |
| Noninterest income to average assets | 0.5373% | 2,884 |
| Noninterest expense to average assets | 4.7284% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.7421% | 6,067 |
| Return on assets (ROA) | -1.7421% | 6,067 |
| Pretax return on assets | -1.7421% | 6,068 |
| Return on Equity (ROE) | -84.4703% | 6,113 |
| Retained earnings to average equity (ytd only) | -84.4703% | 6,101 |
| Net charge-offs to loans | -0.2353% | 5,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.3333% | 39 |
| Assets per employee ($millions) | 3.0505% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4792% | 141 |
| Loan loss allowance to noncurrent loans | 71.5219% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 4.9756% | 163 |
| Noncurrent loans to loans | 4.8646% | 206 |
| Net loans and leases to total assets | 51.9352% | 4,631 |
| Net loans and leases to deposits | 65.7269% | 4,282 |
| Net loans and leases to core deposits | 66.8483% | 4,482 |
| Total domestic deposits to total assets | 79.0166% | 4,964 |
| Equity capital to assets | 1.9198% | 6,121 |
| Core capital (leverage) ratio | 1.7744% | 6,121 |
| Tier 1 risk-based capital ratio | 3.5321% | 6,115 |
| Total risk-based capital ratio | 4.8109% | 6,115 |
| Memoranda: | ||
| Average total assets | $141,442,000 | 3,713 |
| Average earning assets | $115,800,000 | 3,977 |
| Average equity | $2,917,000 | 5,956 |
| Average total loans | $76,484,500 | 3,953 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,237 |
| Cost of funding earning assets | 1.2862% | 39 |
| Net interest margin | 3.0128% | 5,108 |
| Noninterest income to average assets | 0.5617% | 2,958 |
| Noninterest expense to average assets | 4.6223% | 376 |
| Loan and lease loss provision to assets | -0.3332% | 6,077 |
| Net operating income to assets | -1.2347% | 6,116 |
| Return on assets (ROA) | -1.2347% | 6,117 |
| Pretax return on assets | -1.2347% | 6,115 |
| Return on Equity (ROE) | -43.3999% | 6,168 |
| Retained earnings to average equity (ytd only) | -43.3999% | 6,166 |
| Net charge-offs to loans | 0.2686% | 1,131 |
| Credit loss provision to net charge-offs | -221.2389% | 5,286 |
| Earnings coverage of net charge-offs (x) | -10.4115% | 4,423 |
| Efficiency ratio | 151.3307% | 35 |
| Assets per employee ($millions) | 3.3222% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2389% | 168 |
| Loan loss allowance to noncurrent loans | 73.0422% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 4.6712% | 196 |
| Noncurrent loans to loans | 4.4343% | 246 |
| Net loans and leases to total assets | 52.4693% | 4,651 |
| Net loans and leases to deposits | 66.5444% | 4,267 |
| Net loans and leases to core deposits | 67.4978% | 4,481 |
| Total domestic deposits to total assets | 78.8485% | 5,006 |
| Equity capital to assets | 2.4052% | 6,174 |
| Core capital (leverage) ratio | 2.4077% | 6,175 |
| Tier 1 risk-based capital ratio | 4.7078% | 6,166 |
| Total risk-based capital ratio | 5.9842% | 6,167 |
| Memoranda: | ||
| Average total assets | $150,075,200 | 3,571 |
| Average earning assets | $124,168,400 | 3,799 |
| Average equity | $4,269,600 | 5,807 |
| Average total loans | $84,136,800 | 3,721 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 2,287 |
| Cost of funding earning assets | 1.2844% | 42 |
| Net interest margin | 3.0008% | 5,188 |
| Noninterest income to average assets | 0.5346% | 3,137 |
| Noninterest expense to average assets | 4.5491% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.5266% | 6,213 |
| Return on assets (ROA) | -1.5266% | 6,215 |
| Pretax return on assets | -1.5266% | 6,211 |
| Return on Equity (ROE) | -51.7778% | 6,257 |
| Retained earnings to average equity (ytd only) | -51.7778% | 6,254 |
| Net charge-offs to loans | 0.2377% | 1,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -11.3663% | 4,144 |
| Efficiency ratio | 150.5083% | 40 |
| Assets per employee ($millions) | 3.1000% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7818% | 109 |
| Loan loss allowance to noncurrent loans | 70.7043% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 5.1469% | 186 |
| Noncurrent loans to loans | 5.3487% | 179 |
| Net loans and leases to total assets | 53.8192% | 4,581 |
| Net loans and leases to deposits | 69.1799% | 4,077 |
| Net loans and leases to core deposits | 70.1723% | 4,355 |
| Total domestic deposits to total assets | 77.7960% | 5,222 |
| Equity capital to assets | 2.5292% | 6,262 |
| Core capital (leverage) ratio | 2.4201% | 6,263 |
| Tier 1 risk-based capital ratio | 4.7169% | 6,253 |
| Total risk-based capital ratio | 6.0008% | 6,254 |
| Memoranda: | ||
| Average total assets | $151,880,250 | 3,573 |
| Average earning assets | $125,919,000 | 3,814 |
| Average equity | $4,478,000 | 5,839 |
| Average total loans | $85,805,000 | 3,716 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,168 |
| Cost of funding earning assets | 1.2876% | 39 |
| Net interest margin | 3.0118% | 5,198 |
| Noninterest income to average assets | 0.5522% | 3,026 |
| Noninterest expense to average assets | 4.5732% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.5201% | 6,291 |
| Return on assets (ROA) | -1.5201% | 6,289 |
| Pretax return on assets | -1.5201% | 6,285 |
| Return on Equity (ROE) | -49.3428% | 6,331 |
| Retained earnings to average equity (ytd only) | -49.3428% | 6,323 |
| Net charge-offs to loans | 0.3164% | 835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -8.4783% | 3,839 |
| Efficiency ratio | 149.7872% | 44 |
| Assets per employee ($millions) | 3.0912% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6113% | 147 |
| Loan loss allowance to noncurrent loans | 75.0484% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 4.9139% | 230 |
| Noncurrent loans to loans | 4.8120% | 252 |
| Net loans and leases to total assets | 54.5914% | 4,492 |
| Net loans and leases to deposits | 70.6971% | 3,852 |
| Net loans and leases to core deposits | 71.6782% | 4,166 |
| Total domestic deposits to total assets | 77.2188% | 5,422 |
| Equity capital to assets | 2.7399% | 6,333 |
| Core capital (leverage) ratio | 2.7265% | 6,336 |
| Tier 1 risk-based capital ratio | 5.2312% | 6,325 |
| Total risk-based capital ratio | 6.5145% | 6,326 |
| Memoranda: | ||
| Average total assets | $153,940,670 | 3,564 |
| Average earning assets | $127,831,670 | 3,807 |
| Average equity | $4,742,330 | 5,843 |
| Average total loans | $87,241,330 | 3,707 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 1,984 |
| Cost of funding earning assets | 1.3015% | 39 |
| Net interest margin | 3.0338% | 5,114 |
| Noninterest income to average assets | 0.5465% | 2,975 |
| Noninterest expense to average assets | 4.7816% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.7116% | 6,357 |
| Return on assets (ROA) | -1.7116% | 6,360 |
| Pretax return on assets | -1.7116% | 6,356 |
| Return on Equity (ROE) | -52.7141% | 6,401 |
| Retained earnings to average equity (ytd only) | -52.7141% | 6,389 |
| Net charge-offs to loans | 0.3365% | 725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -8.9730% | 3,242 |
| Efficiency ratio | 155.7515% | 43 |
| Assets per employee ($millions) | 3.0823% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6245% | 162 |
| Loan loss allowance to noncurrent loans | 79.0052% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 4.7718% | 268 |
| Noncurrent loans to loans | 4.5877% | 332 |
| Net loans and leases to total assets | 54.5372% | 4,368 |
| Net loans and leases to deposits | 70.6350% | 3,675 |
| Net loans and leases to core deposits | 71.5959% | 4,004 |
| Total domestic deposits to total assets | 77.2099% | 5,580 |
| Equity capital to assets | 3.0951% | 6,405 |
| Core capital (leverage) ratio | 3.0184% | 6,403 |
| Tier 1 risk-based capital ratio | 5.8047% | 6,391 |
| Total risk-based capital ratio | 7.0870% | 6,390 |
| Memoranda: | ||
| Average total assets | $155,177,500 | 3,571 |
| Average earning assets | $129,078,000 | 3,805 |
| Average equity | $5,038,500 | 5,825 |
| Average total loans | $87,969,000 | 3,701 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 2,910 |
| Cost of funding earning assets | 1.3982% | 39 |
| Net interest margin | 2.8149% | 5,782 |
| Noninterest income to average assets | 0.5828% | 2,967 |
| Noninterest expense to average assets | 4.3437% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.4764% | 6,429 |
| Return on assets (ROA) | -1.2726% | 6,410 |
| Pretax return on assets | -1.1805% | 6,390 |
| Return on Equity (ROE) | -32.8560% | 6,473 |
| Retained earnings to average equity (ytd only) | -32.8560% | 6,466 |
| Net charge-offs to loans | 0.8350% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -2.8734% | 4,855 |
| Efficiency ratio | 146.7784% | 57 |
| Assets per employee ($millions) | 3.0635% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6460% | 166 |
| Loan loss allowance to noncurrent loans | 59.7525% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 5.9338% | 201 |
| Noncurrent loans to loans | 6.1019% | 183 |
| Net loans and leases to total assets | 54.7184% | 4,489 |
| Net loans and leases to deposits | 70.9772% | 3,788 |
| Net loans and leases to core deposits | 72.0825% | 4,112 |
| Total domestic deposits to total assets | 77.0929% | 5,586 |
| Equity capital to assets | 3.3967% | 6,486 |
| Core capital (leverage) ratio | 3.4063% | 6,488 |
| Tier 1 risk-based capital ratio | 6.6652% | 6,471 |
| Total risk-based capital ratio | 7.9502% | 6,471 |
| Memoranda: | ||
| Average total assets | $167,298,800 | 3,374 |
| Average earning assets | $141,248,200 | 3,582 |
| Average equity | $6,479,800 | 5,530 |
| Average total loans | $96,530,600 | 3,488 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2218% | 2,918 |
| Cost of funding earning assets | 1.3949% | 41 |
| Net interest margin | 2.8268% | 5,832 |
| Noninterest income to average assets | 0.5770% | 3,015 |
| Noninterest expense to average assets | 4.2344% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.2630% | 6,487 |
| Return on assets (ROA) | -0.9957% | 6,458 |
| Pretax return on assets | -0.9957% | 6,445 |
| Return on Equity (ROE) | -25.0006% | 6,526 |
| Retained earnings to average equity (ytd only) | -25.0006% | 6,512 |
| Net charge-offs to loans | 0.4238% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -5.1470% | 4,609 |
| Efficiency ratio | 142.5066% | 69 |
| Assets per employee ($millions) | 3.4098% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9402% | 168 |
| Loan loss allowance to noncurrent loans | 59.5782% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 6.0145% | 234 |
| Noncurrent loans to loans | 6.6134% | 188 |
| Net loans and leases to total assets | 55.5459% | 4,388 |
| Net loans and leases to deposits | 71.3735% | 3,752 |
| Net loans and leases to core deposits | 73.7120% | 3,974 |
| Total domestic deposits to total assets | 77.8243% | 5,564 |
| Equity capital to assets | 3.6335% | 6,557 |
| Core capital (leverage) ratio | 3.7753% | 6,556 |
| Tier 1 risk-based capital ratio | 7.4224% | 6,524 |
| Total risk-based capital ratio | 8.7125% | 6,523 |
| Memoranda: | ||
| Average total assets | $170,063,500 | 3,364 |
| Average earning assets | $144,043,750 | 3,570 |
| Average equity | $6,773,000 | 5,516 |
| Average total loans | $98,481,500 | 3,476 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 2,868 |
| Cost of funding earning assets | 1.3896% | 40 |
| Net interest margin | 2.8339% | 5,843 |
| Noninterest income to average assets | 0.6028% | 2,805 |
| Noninterest expense to average assets | 4.1802% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.1708% | 6,549 |
| Return on assets (ROA) | -1.1278% | 6,540 |
| Pretax return on assets | -1.1278% | 6,525 |
| Return on Equity (ROE) | -27.5526% | 6,602 |
| Retained earnings to average equity (ytd only) | -27.5526% | 6,577 |
| Net charge-offs to loans | 0.2867% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -7.0490% | 4,302 |
| Efficiency ratio | 138.9039% | 69 |
| Assets per employee ($millions) | 3.3867% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9631% | 175 |
| Loan loss allowance to noncurrent loans | 74.1770% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 5.0628% | 351 |
| Noncurrent loans to loans | 5.3428% | 350 |
| Net loans and leases to total assets | 55.7827% | 4,316 |
| Net loans and leases to deposits | 71.3582% | 3,656 |
| Net loans and leases to core deposits | 73.4558% | 3,890 |
| Total domestic deposits to total assets | 78.1727% | 5,606 |
| Equity capital to assets | 3.9319% | 6,616 |
| Core capital (leverage) ratio | 3.8262% | 6,616 |
| Tier 1 risk-based capital ratio | 7.4693% | 6,582 |
| Total risk-based capital ratio | 8.7593% | 6,580 |
| Memoranda: | ||
| Average total assets | $172,194,670 | 3,351 |
| Average earning assets | $146,227,670 | 3,558 |
| Average equity | $7,048,330 | 5,477 |
| Average total loans | $99,761,670 | 3,459 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 2,746 |
| Cost of funding earning assets | 1.3998% | 41 |
| Net interest margin | 2.8348% | 5,872 |
| Noninterest income to average assets | 0.6474% | 2,482 |
| Noninterest expense to average assets | 3.9764% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.9215% | 6,562 |
| Return on assets (ROA) | -0.9215% | 6,561 |
| Pretax return on assets | -0.9215% | 6,549 |
| Return on Equity (ROE) | -22.0888% | 6,635 |
| Retained earnings to average equity (ytd only) | -22.0888% | 6,550 |
| Net charge-offs to loans | 0.2349% | 1,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -6.7797% | 3,587 |
| Efficiency ratio | 130.1659% | 118 |
| Assets per employee ($millions) | 3.4691% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9705% | 195 |
| Loan loss allowance to noncurrent loans | 54.5479% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 6.1941% | 270 |
| Noncurrent loans to loans | 7.2790% | 204 |
| Net loans and leases to total assets | 55.5224% | 4,205 |
| Net loans and leases to deposits | 71.2688% | 3,436 |
| Net loans and leases to core deposits | 73.1761% | 3,743 |
| Total domestic deposits to total assets | 77.9056% | 5,845 |
| Equity capital to assets | 4.0823% | 6,669 |
| Core capital (leverage) ratio | 4.0633% | 6,675 |
| Tier 1 risk-based capital ratio | 8.1009% | 6,620 |
| Total risk-based capital ratio | 9.3893% | 6,622 |
| Memoranda: | ||
| Average total assets | $173,625,000 | 3,355 |
| Average earning assets | $147,452,000 | 3,554 |
| Average equity | $7,243,500 | 5,457 |
| Average total loans | $100,464,000 | 3,461 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 3,178 |
| Cost of funding earning assets | 1.4821% | 52 |
| Net interest margin | 2.7611% | 6,043 |
| Noninterest income to average assets | 0.6050% | 3,066 |
| Noninterest expense to average assets | 3.8142% | 1,111 |
| Loan and lease loss provision to assets | 0.2482% | 1,453 |
| Net operating income to assets | -1.0904% | 6,622 |
| Return on assets (ROA) | -1.0273% | 6,610 |
| Pretax return on assets | -1.0273% | 6,596 |
| Return on Equity (ROE) | -22.1357% | 6,696 |
| Retained earnings to average equity (ytd only) | -22.1357% | 6,684 |
| Net charge-offs to loans | 0.3752% | 1,795 |
| Credit loss provision to net charge-offs | 110.7843% | 2,174 |
| Earnings coverage of net charge-offs (x) | -3.7598% | 5,367 |
| Efficiency ratio | 128.3392% | 134 |
| Assets per employee ($millions) | 3.4759% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0153% | 202 |
| Loan loss allowance to noncurrent loans | 56.5649% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 6.1187% | 310 |
| Noncurrent loans to loans | 7.0986% | 233 |
| Net loans and leases to total assets | 55.5819% | 4,376 |
| Net loans and leases to deposits | 72.3635% | 3,479 |
| Net loans and leases to core deposits | 74.1783% | 3,823 |
| Total domestic deposits to total assets | 76.8093% | 6,005 |
| Equity capital to assets | 4.2614% | 6,734 |
| Core capital (leverage) ratio | 4.2850% | 6,738 |
| Tier 1 risk-based capital ratio | 8.6028% | 6,677 |
| Total risk-based capital ratio | 9.8920% | 6,676 |
| Memoranda: | ||
| Average total assets | $182,136,200 | 3,253 |
| Average earning assets | $156,133,200 | 3,396 |
| Average equity | $8,452,400 | 5,225 |
| Average total loans | $108,735,800 | 3,267 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 3,207 |
| Cost of funding earning assets | 1.4918% | 53 |
| Net interest margin | 2.7571% | 6,084 |
| Noninterest income to average assets | 0.4842% | 3,904 |
| Noninterest expense to average assets | 3.6549% | 1,316 |
| Loan and lease loss provision to assets | 0.3271% | 1,011 |
| Net operating income to assets | -1.1290% | 6,725 |
| Return on assets (ROA) | -1.0458% | 6,711 |
| Pretax return on assets | -1.0458% | 6,700 |
| Return on Equity (ROE) | -22.1095% | 6,782 |
| Retained earnings to average equity (ytd only) | -22.1095% | 6,769 |
| Net charge-offs to loans | 0.3491% | 1,802 |
| Credit loss provision to net charge-offs | 155.8621% | 1,517 |
| Earnings coverage of net charge-offs (x) | -3.8207% | 5,119 |
| Efficiency ratio | 128.1076% | 133 |
| Assets per employee ($millions) | 3.5794% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0020% | 238 |
| Loan loss allowance to noncurrent loans | 71.8183% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 5.3043% | 509 |
| Noncurrent loans to loans | 5.5724% | 488 |
| Net loans and leases to total assets | 55.7440% | 4,357 |
| Net loans and leases to deposits | 73.2541% | 3,354 |
| Net loans and leases to core deposits | 75.3493% | 3,693 |
| Total domestic deposits to total assets | 76.0968% | 6,156 |
| Equity capital to assets | 4.3918% | 6,803 |
| Core capital (leverage) ratio | 4.3980% | 6,811 |
| Tier 1 risk-based capital ratio | 8.9120% | 6,730 |
| Total risk-based capital ratio | 10.2051% | 6,727 |
| Memoranda: | ||
| Average total assets | $184,221,750 | 3,260 |
| Average earning assets | $158,280,750 | 3,406 |
| Average equity | $8,714,000 | 5,212 |
| Average total loans | $110,760,000 | 3,250 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 3,065 |
| Cost of funding earning assets | 1.4852% | 60 |
| Net interest margin | 2.7880% | 6,030 |
| Noninterest income to average assets | 0.5571% | 3,457 |
| Noninterest expense to average assets | 3.7360% | 1,193 |
| Loan and lease loss provision to assets | 0.4861% | 575 |
| Net operating income to assets | -1.2647% | 6,784 |
| Return on assets (ROA) | -1.1410% | 6,777 |
| Pretax return on assets | -1.1410% | 6,759 |
| Return on Equity (ROE) | -23.5813% | 6,841 |
| Retained earnings to average equity (ytd only) | -23.5813% | 6,820 |
| Net charge-offs to loans | 0.4176% | 1,547 |
| Credit loss provision to net charge-offs | 191.5254% | 1,242 |
| Earnings coverage of net charge-offs (x) | -3.0678% | 4,793 |
| Efficiency ratio | 126.3273% | 151 |
| Assets per employee ($millions) | 3.6045% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8428% | 290 |
| Loan loss allowance to noncurrent loans | 73.4612% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 4.7859% | 662 |
| Noncurrent loans to loans | 5.2310% | 599 |
| Net loans and leases to total assets | 57.3475% | 4,085 |
| Net loans and leases to deposits | 76.4798% | 2,806 |
| Net loans and leases to core deposits | 78.6362% | 3,210 |
| Total domestic deposits to total assets | 74.9840% | 6,361 |
| Equity capital to assets | 4.5580% | 6,847 |
| Core capital (leverage) ratio | 4.4895% | 6,852 |
| Tier 1 risk-based capital ratio | 9.1000% | 6,754 |
| Total risk-based capital ratio | 10.3923% | 6,751 |
| Memoranda: | ||
| Average total assets | $185,973,000 | 3,258 |
| Average earning assets | $160,114,330 | 3,393 |
| Average equity | $8,998,670 | 5,170 |
| Average total loans | $113,039,000 | 3,211 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,922 |
| Cost of funding earning assets | 1.4833% | 65 |
| Net interest margin | 2.8075% | 6,016 |
| Noninterest income to average assets | 0.3614% | 4,774 |
| Noninterest expense to average assets | 4.0226% | 861 |
| Loan and lease loss provision to assets | 0.9666% | 185 |
| Net operating income to assets | -2.2112% | 6,936 |
| Return on assets (ROA) | -2.2112% | 6,937 |
| Pretax return on assets | -2.2112% | 6,927 |
| Return on Equity (ROE) | -44.4325% | 6,961 |
| Retained earnings to average equity (ytd only) | -44.4325% | 6,951 |
| Net charge-offs to loans | 0.8820% | 689 |
| Credit loss provision to net charge-offs | 178.6561% | 1,189 |
| Earnings coverage of net charge-offs (x) | -2.3004% | 4,031 |
| Efficiency ratio | 144.8037% | 97 |
| Assets per employee ($millions) | 3.7033% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7080% | 356 |
| Loan loss allowance to noncurrent loans | 66.1308% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 5.1289% | 700 |
| Noncurrent loans to loans | 5.6071% | 635 |
| Net loans and leases to total assets | 58.8470% | 3,641 |
| Net loans and leases to deposits | 78.4947% | 2,273 |
| Net loans and leases to core deposits | 81.0153% | 2,693 |
| Total domestic deposits to total assets | 74.9694% | 6,461 |
| Equity capital to assets | 4.7255% | 6,909 |
| Core capital (leverage) ratio | 4.4706% | 6,907 |
| Tier 1 risk-based capital ratio | 8.8620% | 6,818 |
| Total risk-based capital ratio | 10.1327% | 6,821 |
| Memoranda: | ||
| Average total assets | $187,044,500 | 3,269 |
| Average earning assets | $160,996,000 | 3,415 |
| Average equity | $9,308,500 | 5,153 |
| Average total loans | $114,741,000 | 3,186 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 3,186 |
| Cost of funding earning assets | 1.5593% | 125 |
| Net interest margin | 2.9968% | 6,058 |
| Noninterest income to average assets | 0.4273% | 4,404 |
| Noninterest expense to average assets | 3.5341% | 1,751 |
| Loan and lease loss provision to assets | 1.6153% | 181 |
| Net operating income to assets | -2.1487% | 6,947 |
| Return on assets (ROA) | -2.1363% | 6,951 |
| Pretax return on assets | -2.1363% | 6,944 |
| Return on Equity (ROE) | -35.5440% | 6,976 |
| Retained earnings to average equity (ytd only) | -35.5440% | 6,962 |
| Net charge-offs to loans | 4.2473% | 58 |
| Credit loss provision to net charge-offs | 59.7066% | 4,455 |
| Earnings coverage of net charge-offs (x) | -0.1972% | 5,571 |
| Efficiency ratio | 117.7774% | 231 |
| Assets per employee ($millions) | 3.8556% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4353% | 451 |
| Loan loss allowance to noncurrent loans | 56.2263% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 5.4096% | 695 |
| Noncurrent loans to loans | 6.1098% | 582 |
| Net loans and leases to total assets | 59.4557% | 3,692 |
| Net loans and leases to deposits | 80.3942% | 2,231 |
| Net loans and leases to core deposits | 82.9544% | 2,672 |
| Total domestic deposits to total assets | 73.9551% | 6,531 |
| Equity capital to assets | 5.2227% | 6,936 |
| Core capital (leverage) ratio | 4.9274% | 6,939 |
| Tier 1 risk-based capital ratio | 9.8191% | 6,744 |
| Total risk-based capital ratio | 11.1060% | 6,703 |
| Memoranda: | ||
| Average total assets | $194,023,400 | 3,123 |
| Average earning assets | $166,608,600 | 3,279 |
| Average equity | $11,661,600 | 4,642 |
| Average total loans | $123,583,000 | 3,014 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 3,084 |
| Cost of funding earning assets | 1.5680% | 146 |
| Net interest margin | 3.0660% | 6,029 |
| Noninterest income to average assets | 0.4383% | 4,375 |
| Noninterest expense to average assets | 3.2674% | 2,365 |
| Loan and lease loss provision to assets | 1.8344% | 151 |
| Net operating income to assets | -2.0324% | 7,040 |
| Return on assets (ROA) | -2.0160% | 7,048 |
| Pretax return on assets | -2.0160% | 7,033 |
| Return on Equity (ROE) | -32.5116% | 7,072 |
| Retained earnings to average equity (ytd only) | -32.5116% | 7,064 |
| Net charge-offs to loans | 5.1185% | 39 |
| Credit loss provision to net charge-offs | 55.8164% | 4,260 |
| Earnings coverage of net charge-offs (x) | -0.0602% | 5,358 |
| Efficiency ratio | 106.4502% | 369 |
| Assets per employee ($millions) | 3.8242% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2613% | 572 |
| Loan loss allowance to noncurrent loans | 61.7829% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 4.9736% | 901 |
| Noncurrent loans to loans | 5.2786% | 831 |
| Net loans and leases to total assets | 61.8202% | 3,418 |
| Net loans and leases to deposits | 83.7231% | 1,898 |
| Net loans and leases to core deposits | 86.5187% | 2,397 |
| Total domestic deposits to total assets | 73.8388% | 6,614 |
| Equity capital to assets | 5.6859% | 7,004 |
| Core capital (leverage) ratio | 5.4897% | 6,979 |
| Tier 1 risk-based capital ratio | 10.7181% | 6,598 |
| Total risk-based capital ratio | 12.0026% | 6,566 |
| Memoranda: | ||
| Average total assets | $195,298,250 | 3,138 |
| Average earning assets | $167,595,250 | 3,291 |
| Average equity | $12,110,250 | 4,586 |
| Average total loans | $125,398,250 | 3,009 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 3,088 |
| Cost of funding earning assets | 1.5700% | 175 |
| Net interest margin | 3.0914% | 6,032 |
| Noninterest income to average assets | 0.3458% | 5,070 |
| Noninterest expense to average assets | 3.3011% | 2,299 |
| Loan and lease loss provision to assets | 2.1174% | 125 |
| Net operating income to assets | -2.4255% | 7,117 |
| Return on assets (ROA) | -2.4255% | 7,121 |
| Pretax return on assets | -2.4255% | 7,110 |
| Return on Equity (ROE) | -38.0899% | 7,140 |
| Retained earnings to average equity (ytd only) | -38.0899% | 7,133 |
| Net charge-offs to loans | 7.0817% | 22 |
| Credit loss provision to net charge-offs | 46.4940% | 4,119 |
| Earnings coverage of net charge-offs (x) | -0.0677% | 5,116 |
| Efficiency ratio | 110.2956% | 325 |
| Assets per employee ($millions) | 4.2351% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9726% | 801 |
| Loan loss allowance to noncurrent loans | 57.7377% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 5.5391% | 802 |
| Noncurrent loans to loans | 5.1485% | 937 |
| Net loans and leases to total assets | 62.2604% | 3,377 |
| Net loans and leases to deposits | 84.0962% | 1,840 |
| Net loans and leases to core deposits | 86.8381% | 2,323 |
| Total domestic deposits to total assets | 74.0347% | 6,674 |
| Equity capital to assets | 5.8291% | 7,039 |
| Core capital (leverage) ratio | 5.6777% | 7,013 |
| Tier 1 risk-based capital ratio | 10.8335% | 6,564 |
| Total risk-based capital ratio | 12.0891% | 6,545 |
| Memoranda: | ||
| Average total assets | $196,660,670 | 3,128 |
| Average earning assets | $168,402,670 | 3,287 |
| Average equity | $12,523,000 | 4,494 |
| Average total loans | $126,467,000 | 2,997 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 3,351 |
| Cost of funding earning assets | 1.5848% | 199 |
| Net interest margin | 3.0466% | 6,192 |
| Noninterest income to average assets | 0.3401% | 5,133 |
| Noninterest expense to average assets | 3.2796% | 2,354 |
| Loan and lease loss provision to assets | 1.6904% | 193 |
| Net operating income to assets | -2.0224% | 7,154 |
| Return on assets (ROA) | -2.0224% | 7,157 |
| Pretax return on assets | -2.0224% | 7,140 |
| Return on Equity (ROE) | -30.4887% | 7,165 |
| Retained earnings to average equity (ytd only) | -30.4887% | 7,134 |
| Net charge-offs to loans | 12.1324% | 14 |
| Credit loss provision to net charge-offs | 21.6433% | 3,750 |
| Earnings coverage of net charge-offs (x) | -0.0425% | 4,388 |
| Efficiency ratio | 111.2637% | 318 |
| Assets per employee ($millions) | 4.2777% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4508% | 1,425 |
| Loan loss allowance to noncurrent loans | 39.0914% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 5.7219% | 843 |
| Noncurrent loans to loans | 6.2695% | 775 |
| Net loans and leases to total assets | 62.4835% | 3,158 |
| Net loans and leases to deposits | 84.8440% | 1,556 |
| Net loans and leases to core deposits | 87.9603% | 2,057 |
| Total domestic deposits to total assets | 73.6451% | 6,778 |
| Equity capital to assets | 6.4389% | 7,027 |
| Core capital (leverage) ratio | 6.3236% | 6,992 |
| Tier 1 risk-based capital ratio | 12.2752% | 5,778 |
| Total risk-based capital ratio | 13.5478% | 5,717 |
| Memoranda: | ||
| Average total assets | $197,584,000 | 3,138 |
| Average earning assets | $169,106,000 | 3,301 |
| Average equity | $13,106,500 | 4,387 |
| Average total loans | $127,196,500 | 2,997 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7798% | 3,904 |
| Cost of funding earning assets | 1.7258% | 295 |
| Net interest margin | 3.0540% | 6,440 |
| Noninterest income to average assets | -0.1332% | 7,121 |
| Noninterest expense to average assets | 2.8762% | 4,057 |
| Loan and lease loss provision to assets | 1.4643% | 515 |
| Net operating income to assets | -1.8677% | 7,005 |
| Return on assets (ROA) | -1.7044% | 6,981 |
| Pretax return on assets | -1.7044% | 6,948 |
| Return on Equity (ROE) | -22.6926% | 7,018 |
| Retained earnings to average equity (ytd only) | -22.6926% | 7,006 |
| Net charge-offs to loans | 1.7487% | 856 |
| Credit loss provision to net charge-offs | 128.8708% | 2,389 |
| Earnings coverage of net charge-offs (x) | -0.3550% | 6,028 |
| Efficiency ratio | 116.3129% | 341 |
| Assets per employee ($millions) | 4.3130% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0529% | 2,118 |
| Loan loss allowance to noncurrent loans | 28.4557% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 6.1912% | 780 |
| Noncurrent loans to loans | 7.2144% | 607 |
| Net loans and leases to total assets | 63.3677% | 3,318 |
| Net loans and leases to deposits | 86.2975% | 1,633 |
| Net loans and leases to core deposits | 90.2382% | 2,092 |
| Total domestic deposits to total assets | 73.4294% | 6,769 |
| Equity capital to assets | 6.8262% | 7,000 |
| Core capital (leverage) ratio | 6.7793% | 6,924 |
| Tier 1 risk-based capital ratio | 12.6935% | 5,313 |
| Total risk-based capital ratio | 13.9442% | 5,290 |
| Memoranda: | ||
| Average total assets | $205,759,200 | 2,992 |
| Average earning assets | $175,573,600 | 3,149 |
| Average equity | $15,454,400 | 3,827 |
| Average total loans | $133,697,600 | 2,928 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 3,981 |
| Cost of funding earning assets | 1.7432% | 329 |
| Net interest margin | 3.0680% | 6,452 |
| Noninterest income to average assets | -0.0456% | 7,156 |
| Noninterest expense to average assets | 2.8830% | 4,003 |
| Loan and lease loss provision to assets | 1.6949% | 366 |
| Net operating income to assets | -2.0044% | 7,137 |
| Return on assets (ROA) | -1.7931% | 7,112 |
| Pretax return on assets | -1.7931% | 7,078 |
| Return on Equity (ROE) | -23.3650% | 7,145 |
| Retained earnings to average equity (ytd only) | -23.3650% | 7,134 |
| Net charge-offs to loans | 1.7417% | 785 |
| Credit loss provision to net charge-offs | 149.6032% | 2,101 |
| Earnings coverage of net charge-offs (x) | -0.2732% | 5,753 |
| Efficiency ratio | 112.0289% | 396 |
| Assets per employee ($millions) | 4.0552% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1503% | 1,967 |
| Loan loss allowance to noncurrent loans | 29.1311% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 6.3232% | 825 |
| Noncurrent loans to loans | 7.3813% | 644 |
| Net loans and leases to total assets | 63.5814% | 3,400 |
| Net loans and leases to deposits | 87.0486% | 1,550 |
| Net loans and leases to core deposits | 90.9520% | 2,128 |
| Total domestic deposits to total assets | 73.0413% | 6,854 |
| Equity capital to assets | 7.1034% | 7,034 |
| Core capital (leverage) ratio | 6.9884% | 6,963 |
| Tier 1 risk-based capital ratio | 12.3337% | 5,636 |
| Total risk-based capital ratio | 13.5822% | 5,627 |
| Memoranda: | ||
| Average total assets | $207,600,000 | 2,989 |
| Average earning assets | $177,222,500 | 3,145 |
| Average equity | $15,932,250 | 3,751 |
| Average total loans | $135,033,500 | 2,922 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 4,052 |
| Cost of funding earning assets | 1.7559% | 374 |
| Net interest margin | 3.0561% | 6,497 |
| Noninterest income to average assets | 0.0688% | 6,963 |
| Noninterest expense to average assets | 2.9272% | 3,914 |
| Loan and lease loss provision to assets | 1.5496% | 454 |
| Net operating income to assets | -1.7924% | 7,160 |
| Return on assets (ROA) | -1.4894% | 7,105 |
| Pretax return on assets | -1.4894% | 7,065 |
| Return on Equity (ROE) | -18.9515% | 7,143 |
| Retained earnings to average equity (ytd only) | -18.9515% | 7,126 |
| Net charge-offs to loans | 1.6396% | 886 |
| Credit loss provision to net charge-offs | 145.2509% | 2,108 |
| Earnings coverage of net charge-offs (x) | -0.2276% | 5,418 |
| Efficiency ratio | 109.0456% | 492 |
| Assets per employee ($millions) | 4.0046% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 2,911 |
| Loan loss allowance to noncurrent loans | 24.5148% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 5.9106% | 951 |
| Noncurrent loans to loans | 7.4345% | 647 |
| Net loans and leases to total assets | 63.7149% | 3,529 |
| Net loans and leases to deposits | 88.7716% | 1,397 |
| Net loans and leases to core deposits | 92.7118% | 2,052 |
| Total domestic deposits to total assets | 71.7740% | 7,025 |
| Equity capital to assets | 7.4886% | 6,951 |
| Core capital (leverage) ratio | 7.3933% | 6,813 |
| Tier 1 risk-based capital ratio | 13.3602% | 4,640 |
| Total risk-based capital ratio | 14.6099% | 4,621 |
| Memoranda: | ||
| Average total assets | $209,212,670 | 2,985 |
| Average earning assets | $179,053,330 | 3,148 |
| Average equity | $16,442,000 | 3,663 |
| Average total loans | $136,127,330 | 2,929 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 4,042 |
| Cost of funding earning assets | 1.7720% | 416 |
| Net interest margin | 3.0319% | 6,507 |
| Noninterest income to average assets | 0.0725% | 7,030 |
| Noninterest expense to average assets | 2.9337% | 3,924 |
| Loan and lease loss provision to assets | 1.5393% | 409 |
| Net operating income to assets | -1.8026% | 7,255 |
| Return on assets (ROA) | -1.1979% | 7,098 |
| Pretax return on assets | -1.1979% | 7,057 |
| Return on Equity (ROE) | -14.8939% | 7,145 |
| Retained earnings to average equity (ytd only) | -14.8939% | 7,042 |
| Net charge-offs to loans | 1.7918% | 727 |
| Credit loss provision to net charge-offs | 131.8627% | 2,104 |
| Earnings coverage of net charge-offs (x) | -0.2255% | 4,707 |
| Efficiency ratio | 109.8571% | 509 |
| Assets per employee ($millions) | 3.7076% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,788 |
| Loan loss allowance to noncurrent loans | 20.9171% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 5.9491% | 979 |
| Noncurrent loans to loans | 7.5834% | 683 |
| Net loans and leases to total assets | 64.3353% | 3,383 |
| Net loans and leases to deposits | 90.1567% | 1,213 |
| Net loans and leases to core deposits | 95.3182% | 1,738 |
| Total domestic deposits to total assets | 71.3594% | 7,116 |
| Equity capital to assets | 7.8809% | 6,610 |
| Core capital (leverage) ratio | 7.8548% | 6,413 |
| Tier 1 risk-based capital ratio | 14.1139% | 3,995 |
| Total risk-based capital ratio | 15.3713% | 3,964 |
| Memoranda: | ||
| Average total assets | $209,700,500 | 2,991 |
| Average earning assets | $179,688,000 | 3,149 |
| Average equity | $16,866,000 | 3,581 |
| Average total loans | $136,620,500 | 2,954 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 4,104 |
| Cost of funding earning assets | 2.0011% | 608 |
| Net interest margin | 3.0971% | 6,524 |
| Noninterest income to average assets | -0.1044% | 7,391 |
| Noninterest expense to average assets | 2.9713% | 3,952 |
| Loan and lease loss provision to assets | 1.9239% | 701 |
| Net operating income to assets | -2.3479% | 7,150 |
| Return on assets (ROA) | -2.3479% | 7,158 |
| Pretax return on assets | -2.3479% | 7,125 |
| Return on Equity (ROE) | -24.5850% | 7,125 |
| Retained earnings to average equity (ytd only) | -24.5850% | 7,104 |
| Net charge-offs to loans | 2.2143% | 879 |
| Credit loss provision to net charge-offs | 132.0013% | 2,982 |
| Earnings coverage of net charge-offs (x) | -0.2909% | 6,354 |
| Efficiency ratio | 116.6453% | 441 |
| Assets per employee ($millions) | 3.7153% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 4,405 |
| Loan loss allowance to noncurrent loans | 20.3598% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 5.3888% | 1,152 |
| Noncurrent loans to loans | 6.9937% | 807 |
| Net loans and leases to total assets | 64.0082% | 3,872 |
| Net loans and leases to deposits | 89.5460% | 1,586 |
| Net loans and leases to core deposits | 94.5575% | 2,189 |
| Total domestic deposits to total assets | 71.4808% | 7,133 |
| Equity capital to assets | 8.2017% | 6,260 |
| Core capital (leverage) ratio | 8.0084% | 6,188 |
| Tier 1 risk-based capital ratio | 13.8256% | 3,978 |
| Total risk-based capital ratio | 15.0760% | 3,961 |
| Memoranda: | ||
| Average total assets | $214,617,200 | 2,931 |
| Average earning assets | $183,749,800 | 3,080 |
| Average equity | $20,496,200 | 3,075 |
| Average total loans | $141,262,200 | 2,923 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1729% | 3,971 |
| Cost of funding earning assets | 2.0541% | 629 |
| Net interest margin | 3.1188% | 6,570 |
| Noninterest income to average assets | -0.0755% | 7,523 |
| Noninterest expense to average assets | 2.9715% | 3,852 |
| Loan and lease loss provision to assets | 0.9814% | 1,522 |
| Net operating income to assets | -1.3604% | 7,056 |
| Return on assets (ROA) | -1.3604% | 7,081 |
| Pretax return on assets | -1.3604% | 6,998 |
| Return on Equity (ROE) | -13.7666% | 7,067 |
| Retained earnings to average equity (ytd only) | -13.7666% | 7,034 |
| Net charge-offs to loans | 1.0398% | 1,944 |
| Credit loss provision to net charge-offs | 142.9216% | 2,749 |
| Earnings coverage of net charge-offs (x) | -0.5518% | 6,341 |
| Efficiency ratio | 114.6167% | 456 |
| Assets per employee ($millions) | 3.8543% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 6,290 |
| Loan loss allowance to noncurrent loans | 11.5717% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 6.7679% | 820 |
| Noncurrent loans to loans | 8.8487% | 552 |
| Net loans and leases to total assets | 64.1298% | 4,096 |
| Net loans and leases to deposits | 91.7557% | 1,480 |
| Net loans and leases to core deposits | 92.2541% | 2,758 |
| Total domestic deposits to total assets | 69.8919% | 7,279 |
| Equity capital to assets | 9.4616% | 4,904 |
| Core capital (leverage) ratio | 9.1742% | 4,416 |
| Tier 1 risk-based capital ratio | 16.1862% | 2,680 |
| Total risk-based capital ratio | 17.3609% | 2,658 |
| Memoranda: | ||
| Average total assets | $215,328,250 | 2,973 |
| Average earning assets | $184,212,000 | 3,119 |
| Average equity | $21,278,000 | 3,012 |
| Average total loans | $142,200,250 | 2,938 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 3,785 |
| Cost of funding earning assets | 2.1017% | 653 |
| Net interest margin | 3.1330% | 6,511 |
| Noninterest income to average assets | 0.1394% | 6,886 |
| Noninterest expense to average assets | 3.0257% | 3,619 |
| Loan and lease loss provision to assets | 1.2196% | 1,149 |
| Net operating income to assets | -1.4259% | 7,130 |
| Return on assets (ROA) | -1.4259% | 7,136 |
| Pretax return on assets | -1.4259% | 7,055 |
| Return on Equity (ROE) | -14.2279% | 7,117 |
| Retained earnings to average equity (ytd only) | -14.2279% | 7,077 |
| Net charge-offs to loans | 1.3904% | 1,373 |
| Credit loss provision to net charge-offs | 131.9920% | 3,049 |
| Earnings coverage of net charge-offs (x) | -0.2233% | 5,883 |
| Efficiency ratio | 107.3195% | 600 |
| Assets per employee ($millions) | 3.6285% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 6,762 |
| Loan loss allowance to noncurrent loans | 11.0437% | 7,237 |
| Noncurrent assets plus other real estate owned to assets | 6.3630% | 894 |
| Noncurrent loans to loans | 8.1354% | 631 |
| Net loans and leases to total assets | 65.6923% | 3,903 |
| Net loans and leases to deposits | 94.4278% | 1,217 |
| Net loans and leases to core deposits | 99.7921% | 2,044 |
| Total domestic deposits to total assets | 69.5688% | 7,354 |
| Equity capital to assets | 9.7943% | 4,276 |
| Core capital (leverage) ratio | 9.5439% | 3,752 |
| Tier 1 risk-based capital ratio | 16.2405% | 2,577 |
| Total risk-based capital ratio | 17.2571% | 2,629 |
| Memoranda: | ||
| Average total assets | $215,157,000 | 2,999 |
| Average earning assets | $184,038,000 | 3,147 |
| Average equity | $21,563,330 | 2,969 |
| Average total loans | $142,983,330 | 2,960 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3381% | 3,353 |
| Cost of funding earning assets | 2.1591% | 669 |
| Net interest margin | 3.1790% | 6,356 |
| Noninterest income to average assets | 0.0853% | 7,279 |
| Noninterest expense to average assets | 2.9987% | 3,683 |
| Loan and lease loss provision to assets | 0.8234% | 1,537 |
| Net operating income to assets | -1.0200% | 7,112 |
| Return on assets (ROA) | -1.0200% | 7,134 |
| Pretax return on assets | -1.0200% | 7,057 |
| Return on Equity (ROE) | -10.0636% | 7,144 |
| Retained earnings to average equity (ytd only) | -10.0636% | 6,972 |
| Net charge-offs to loans | 0.7219% | 2,059 |
| Credit loss provision to net charge-offs | 171.4286% | 2,113 |
| Earnings coverage of net charge-offs (x) | -0.4093% | 5,250 |
| Efficiency ratio | 107.0152% | 657 |
| Assets per employee ($millions) | 3.5533% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 7,135 |
| Loan loss allowance to noncurrent loans | 9.0512% | 7,349 |
| Noncurrent assets plus other real estate owned to assets | 6.8486% | 799 |
| Noncurrent loans to loans | 8.7976% | 570 |
| Net loans and leases to total assets | 66.6160% | 3,720 |
| Net loans and leases to deposits | 96.4719% | 1,051 |
| Net loans and leases to core deposits | 103.2489% | 1,800 |
| Total domestic deposits to total assets | 69.0522% | 7,472 |
| Equity capital to assets | 10.1980% | 3,613 |
| Core capital (leverage) ratio | 10.0250% | 3,141 |
| Tier 1 risk-based capital ratio | 17.1038% | 2,234 |
| Total risk-based capital ratio | 18.0182% | 2,307 |
| Memoranda: | ||
| Average total assets | $215,694,000 | 3,039 |
| Average earning assets | $184,336,000 | 3,197 |
| Average equity | $21,861,000 | 2,964 |
| Average total loans | $143,519,500 | 3,011 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 4,987 |
| Cost of funding earning assets | 2.7243% | 551 |
| Net interest margin | 2.6151% | 7,321 |
| Noninterest income to average assets | 0.2239% | 6,511 |
| Noninterest expense to average assets | 2.9894% | 4,184 |
| Loan and lease loss provision to assets | 1.0008% | 2,269 |
| Net operating income to assets | -1.6278% | 6,922 |
| Return on assets (ROA) | -1.7080% | 6,969 |
| Pretax return on assets | -1.5931% | 6,752 |
| Return on Equity (ROE) | -15.5979% | 6,967 |
| Retained earnings to average equity (ytd only) | -15.5979% | 6,916 |
| Net charge-offs to loans | 1.4468% | 1,735 |
| Credit loss provision to net charge-offs | 108.8149% | 5,083 |
| Earnings coverage of net charge-offs (x) | -0.5568% | 6,727 |
| Efficiency ratio | 120.6727% | 596 |
| Assets per employee ($millions) | 3.6365% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 7,448 |
| Loan loss allowance to noncurrent loans | 6.8213% | 7,409 |
| Noncurrent assets plus other real estate owned to assets | 7.1616% | 699 |
| Noncurrent loans to loans | 9.7411% | 438 |
| Net loans and leases to total assets | 65.5021% | 4,278 |
| Net loans and leases to deposits | 93.4734% | 1,667 |
| Net loans and leases to core deposits | 120.1061% | 1,942 |
| Total domestic deposits to total assets | 70.0756% | 7,420 |
| Equity capital to assets | 10.0738% | 3,657 |
| Core capital (leverage) ratio | 10.0209% | 3,069 |
| Tier 1 risk-based capital ratio | 17.2206% | 2,094 |
| Total risk-based capital ratio | 17.9743% | 2,194 |
| Memoranda: | ||
| Average total assets | $222,019,600 | 2,914 |
| Average earning assets | $191,313,200 | 3,081 |
| Average equity | $24,311,000 | 2,683 |
| Average total loans | $141,139,000 | 3,057 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3700% | 5,093 |
| Cost of funding earning assets | 2.7906% | 610 |
| Net interest margin | 2.5793% | 7,376 |
| Noninterest income to average assets | 0.2470% | 6,470 |
| Noninterest expense to average assets | 3.0161% | 3,981 |
| Loan and lease loss provision to assets | 0.2141% | 5,272 |
| Net operating income to assets | -0.7211% | 6,622 |
| Return on assets (ROA) | -0.8222% | 6,706 |
| Pretax return on assets | -0.8634% | 6,580 |
| Return on Equity (ROE) | -7.3645% | 6,690 |
| Retained earnings to average equity (ytd only) | -7.3645% | 6,541 |
| Net charge-offs to loans | 0.2193% | 4,664 |
| Credit loss provision to net charge-offs | 154.9784% | 3,087 |
| Earnings coverage of net charge-offs (x) | -3.9308% | 6,826 |
| Efficiency ratio | 121.9536% | 562 |
| Assets per employee ($millions) | 3.5658% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 7,528 |
| Loan loss allowance to noncurrent loans | 6.6509% | 7,496 |
| Noncurrent assets plus other real estate owned to assets | 6.8559% | 706 |
| Noncurrent loans to loans | 9.4563% | 442 |
| Net loans and leases to total assets | 64.4635% | 4,763 |
| Net loans and leases to deposits | 93.8810% | 1,902 |
| Net loans and leases to core deposits | 120.4629% | 2,205 |
| Total domestic deposits to total assets | 68.6652% | 7,517 |
| Equity capital to assets | 11.0729% | 2,951 |
| Core capital (leverage) ratio | 10.4232% | 2,855 |
| Tier 1 risk-based capital ratio | 17.8932% | 2,019 |
| Total risk-based capital ratio | 18.5992% | 2,115 |
| Memoranda: | ||
| Average total assets | $222,977,000 | 2,916 |
| Average earning assets | $192,448,250 | 3,087 |
| Average equity | $24,893,750 | 2,645 |
| Average total loans | $140,455,000 | 3,107 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 4,430 |
| Cost of funding earning assets | 2.8500% | 691 |
| Net interest margin | 2.6820% | 7,242 |
| Noninterest income to average assets | 0.2692% | 6,345 |
| Noninterest expense to average assets | 3.1457% | 3,518 |
| Loan and lease loss provision to assets | 0.1440% | 5,629 |
| Net operating income to assets | -0.6569% | 6,710 |
| Return on assets (ROA) | -0.8050% | 6,838 |
| Pretax return on assets | -0.8667% | 6,728 |
| Return on Equity (ROE) | -7.1909% | 6,820 |
| Retained earnings to average equity (ytd only) | -7.1909% | 6,584 |
| Net charge-offs to loans | 0.1420% | 4,751 |
| Credit loss provision to net charge-offs | 162.6263% | 2,828 |
| Earnings coverage of net charge-offs (x) | -6.3636% | 6,480 |
| Efficiency ratio | 121.8220% | 633 |
| Assets per employee ($millions) | 3.3948% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5993% | 7,632 |
| Loan loss allowance to noncurrent loans | 9.8761% | 7,498 |
| Noncurrent assets plus other real estate owned to assets | 4.4966% | 1,244 |
| Noncurrent loans to loans | 6.0682% | 897 |
| Net loans and leases to total assets | 61.9598% | 5,364 |
| Net loans and leases to deposits | 91.0346% | 2,648 |
| Net loans and leases to core deposits | 116.5048% | 2,669 |
| Total domestic deposits to total assets | 68.0618% | 7,620 |
| Equity capital to assets | 11.0150% | 2,910 |
| Core capital (leverage) ratio | 10.4731% | 2,832 |
| Tier 1 risk-based capital ratio | 18.4481% | 1,887 |
| Total risk-based capital ratio | 19.1101% | 1,995 |
| Memoranda: | ||
| Average total assets | $223,609,330 | 2,931 |
| Average earning assets | $192,842,000 | 3,112 |
| Average equity | $25,031,670 | 2,639 |
| Average total loans | $139,467,330 | 3,150 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 4,344 |
| Cost of funding earning assets | 2.8768% | 812 |
| Net interest margin | 2.7250% | 7,148 |
| Noninterest income to average assets | 0.2847% | 6,157 |
| Noninterest expense to average assets | 3.1963% | 3,000 |
| Loan and lease loss provision to assets | 0.0537% | 6,294 |
| Net operating income to assets | -0.5392% | 6,912 |
| Return on assets (ROA) | -0.8165% | 7,170 |
| Pretax return on assets | -0.9365% | 7,118 |
| Return on Equity (ROE) | -7.2359% | 7,169 |
| Retained earnings to average equity (ytd only) | -7.2359% | 6,820 |
| Net charge-offs to loans | 0.0517% | 4,749 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | -17.5000% | 5,654 |
| Efficiency ratio | 121.4286% | 608 |
| Assets per employee ($millions) | 3.4505% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 7,731 |
| Loan loss allowance to noncurrent loans | 14.4778% | 7,418 |
| Noncurrent assets plus other real estate owned to assets | 3.0988% | 1,819 |
| Noncurrent loans to loans | 3.8947% | 1,571 |
| Net loans and leases to total assets | 60.8630% | 5,516 |
| Net loans and leases to deposits | 92.0842% | 2,586 |
| Net loans and leases to core deposits | 119.2267% | 2,484 |
| Total domestic deposits to total assets | 66.0950% | 7,726 |
| Equity capital to assets | 10.9776% | 2,981 |
| Core capital (leverage) ratio | 10.4755% | 2,958 |
| Tier 1 risk-based capital ratio | 18.8267% | 1,854 |
| Total risk-based capital ratio | 19.4503% | 1,958 |
| Memoranda: | ||
| Average total assets | $223,385,000 | 2,951 |
| Average earning assets | $192,438,000 | 3,120 |
| Average equity | $25,207,500 | 2,628 |
| Average total loans | $139,369,500 | 3,177 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9573% | 5,771 |
| Cost of funding earning assets | 3.1868% | 1,236 |
| Net interest margin | 2.7705% | 7,381 |
| Noninterest income to average assets | 0.3187% | 6,179 |
| Noninterest expense to average assets | 3.9160% | 1,536 |
| Loan and lease loss provision to assets | 0.0831% | 6,352 |
| Net operating income to assets | -0.9037% | 7,188 |
| Return on assets (ROA) | -0.9081% | 7,113 |
| Pretax return on assets | -1.2864% | 7,159 |
| Return on Equity (ROE) | -7.2959% | 7,070 |
| Retained earnings to average equity (ytd only) | -10.9221% | 7,158 |
| Net charge-offs to loans | 0.0343% | 6,333 |
| Credit loss provision to net charge-offs | 375.5102% | 1,169 |
| Earnings coverage of net charge-offs (x) | -54.1224% | 6,986 |
| Efficiency ratio | 144.0239% | 380 |
| Assets per employee ($millions) | 3.5907% | 4,435 |
| Cash dividends to net income (ytd only)* | -49.7018% | 8,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5562% | 7,752 |
| Loan loss allowance to noncurrent loans | 32.7419% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 1.9362% | 2,538 |
| Noncurrent loans to loans | 1.6986% | 3,225 |
| Net loans and leases to total assets | 63.2646% | 5,409 |
| Net loans and leases to deposits | 98.7458% | 2,019 |
| Net loans and leases to core deposits | 125.0562% | 2,249 |
| Total domestic deposits to total assets | 64.0681% | 7,791 |
| Equity capital to assets | 11.6032% | 2,568 |
| Core capital (leverage) ratio | 11.6544% | 2,153 |
| Tier 1 risk-based capital ratio | 19.7613% | 1,656 |
| Total risk-based capital ratio | 20.3607% | 1,740 |
| Memoranda: | ||
| Average total assets | $221,550,600 | 2,859 |
| Average earning assets | $191,948,800 | 3,010 |
| Average equity | $27,577,000 | 2,427 |
| Average total loans | $142,934,000 | 3,040 |