Home > Peoples State Bank of Commerce > Performance and Condition Ratios
Peoples State Bank of Commerce, 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 | 4.6001% | 1,251 |
| Cost of funding earning assets | 0.5172% | 2,035 |
| Net interest margin | 4.0829% | 1,372 |
| Noninterest income to average assets | 1.1886% | 720 |
| Noninterest expense to average assets | 3.8400% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6535% | 4,060 |
| Return on assets (ROA) | 0.6535% | 4,117 |
| Pretax return on assets | 1.0501% | 3,374 |
| Return on Equity (ROE) | 5.4857% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.4857% | 2,417 |
| Net charge-offs to loans | 0.1150% | 1,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.0357% | 2,040 |
| Efficiency ratio | 78.5259% | 1,392 |
| Assets per employee ($millions) | 4.2039% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 1,755 |
| Loan loss allowance to noncurrent loans | 63.3333% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.4782% | 446 |
| Noncurrent loans to loans | 2.2914% | 697 |
| Net loans and leases to total assets | 61.3822% | 3,704 |
| Net loans and leases to deposits | 70.2980% | 3,887 |
| Net loans and leases to core deposits | 74.4443% | 3,903 |
| Total domestic deposits to total assets | 87.3171% | 1,799 |
| Equity capital to assets | 12.1809% | 1,804 |
| Core capital (leverage) ratio | 12.1767% | 1,546 |
| Tier 1 risk-based capital ratio | 18.3236% | 1,767 |
| Total risk-based capital ratio | 19.5763% | 1,727 |
| Memoranda: | ||
| Average total assets | $160,363,330 | 3,393 |
| Average earning assets | $145,386,670 | 3,427 |
| Average equity | $19,104,330 | 3,262 |
| Average total loans | $97,402,000 | 3,438 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 1,428 |
| Cost of funding earning assets | 0.5154% | 1,968 |
| Net interest margin | 3.9640% | 1,568 |
| Noninterest income to average assets | 1.0606% | 895 |
| Noninterest expense to average assets | 3.6248% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6448% | 3,956 |
| Return on assets (ROA) | 0.6448% | 3,989 |
| Pretax return on assets | 1.0357% | 3,214 |
| Return on Equity (ROE) | 5.4737% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.4737% | 2,618 |
| Net charge-offs to loans | 0.0457% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 37.8182% | 1,069 |
| Efficiency ratio | 77.7778% | 1,660 |
| Assets per employee ($millions) | 3.8697% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 1,513 |
| Loan loss allowance to noncurrent loans | 60.9746% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.6075% | 431 |
| Noncurrent loans to loans | 2.5400% | 612 |
| Net loans and leases to total assets | 58.2382% | 3,951 |
| Net loans and leases to deposits | 66.2338% | 4,154 |
| Net loans and leases to core deposits | 71.6262% | 4,018 |
| Total domestic deposits to total assets | 87.9283% | 1,756 |
| Equity capital to assets | 11.7487% | 2,000 |
| Core capital (leverage) ratio | 12.0866% | 1,568 |
| Tier 1 risk-based capital ratio | 18.3529% | 1,775 |
| Total risk-based capital ratio | 19.6063% | 1,735 |
| Memoranda: | ||
| Average total assets | $160,670,000 | 3,416 |
| Average earning assets | $145,913,500 | 3,450 |
| Average equity | $18,927,000 | 3,296 |
| Average total loans | $96,352,000 | 3,474 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,144 |
| Cost of funding earning assets | 0.5314% | 1,859 |
| Net interest margin | 4.1282% | 1,310 |
| Noninterest income to average assets | 1.2559% | 722 |
| Noninterest expense to average assets | 3.8529% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.1323% | 253 |
| Return on assets (ROA) | 2.1415% | 255 |
| Pretax return on assets | 1.1863% | 2,729 |
| Return on Equity (ROE) | 21.8724% | 149 |
| Retained earnings to average equity (ytd only) | 21.8724% | 38 |
| Net charge-offs to loans | 0.2515% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.4708% | 3,014 |
| Efficiency ratio | 76.5988% | 1,904 |
| Assets per employee ($millions) | 3.9170% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 1,493 |
| Loan loss allowance to noncurrent loans | 56.8613% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 2.7508% | 402 |
| Noncurrent loans to loans | 2.7320% | 545 |
| Net loans and leases to total assets | 60.6717% | 3,779 |
| Net loans and leases to deposits | 68.2880% | 4,063 |
| Net loans and leases to core deposits | 73.1790% | 3,993 |
| Total domestic deposits to total assets | 88.8468% | 1,179 |
| Equity capital to assets | 10.6133% | 3,026 |
| Core capital (leverage) ratio | 10.7269% | 2,622 |
| Tier 1 risk-based capital ratio | 16.3946% | 2,389 |
| Total risk-based capital ratio | 17.6499% | 2,327 |
| Memoranda: | ||
| Average total assets | $152,326,200 | 3,481 |
| Average earning assets | $139,261,800 | 3,503 |
| Average equity | $14,913,800 | 3,819 |
| Average total loans | $95,437,000 | 3,473 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 1,083 |
| Cost of funding earning assets | 0.5345% | 1,840 |
| Net interest margin | 4.1582% | 1,233 |
| Noninterest income to average assets | 1.2475% | 745 |
| Noninterest expense to average assets | 3.8067% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6527% | 130 |
| Return on assets (ROA) | 2.6651% | 129 |
| Pretax return on assets | 1.2527% | 2,611 |
| Return on Equity (ROE) | 27.8258% | 55 |
| Retained earnings to average equity (ytd only) | 27.8258% | 19 |
| Net charge-offs to loans | 0.3433% | 668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.7428% | 3,087 |
| Efficiency ratio | 75.4236% | 2,045 |
| Assets per employee ($millions) | 3.9933% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,652 |
| Loan loss allowance to noncurrent loans | 57.9682% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.8285% | 436 |
| Noncurrent loans to loans | 2.6431% | 633 |
| Net loans and leases to total assets | 61.6938% | 3,668 |
| Net loans and leases to deposits | 69.5330% | 4,023 |
| Net loans and leases to core deposits | 74.8421% | 3,936 |
| Total domestic deposits to total assets | 88.7259% | 1,035 |
| Equity capital to assets | 10.6468% | 3,412 |
| Core capital (leverage) ratio | 10.7297% | 2,751 |
| Tier 1 risk-based capital ratio | 15.8485% | 2,685 |
| Total risk-based capital ratio | 17.1026% | 2,626 |
| Memoranda: | ||
| Average total assets | $151,237,500 | 3,521 |
| Average earning assets | $138,198,000 | 3,539 |
| Average equity | $14,485,000 | 3,912 |
| Average total loans | $95,156,000 | 3,488 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 982 |
| Cost of funding earning assets | 0.5407% | 1,773 |
| Net interest margin | 4.1923% | 1,133 |
| Noninterest income to average assets | 1.2155% | 761 |
| Noninterest expense to average assets | 3.7345% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.5863% | 63 |
| Return on assets (ROA) | 3.5996% | 62 |
| Pretax return on assets | 1.3156% | 2,346 |
| Return on Equity (ROE) | 39.0967% | 20 |
| Retained earnings to average equity (ytd only) | 39.0967% | 9 |
| Net charge-offs to loans | 0.5215% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.9634% | 3,039 |
| Efficiency ratio | 74.1448% | 2,336 |
| Assets per employee ($millions) | 4.1054% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,622 |
| Loan loss allowance to noncurrent loans | 56.8061% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.9335% | 424 |
| Noncurrent loans to loans | 2.7611% | 579 |
| Net loans and leases to total assets | 61.7224% | 3,654 |
| Net loans and leases to deposits | 69.5326% | 4,028 |
| Net loans and leases to core deposits | 75.0452% | 3,904 |
| Total domestic deposits to total assets | 88.7677% | 1,030 |
| Equity capital to assets | 10.6879% | 3,416 |
| Core capital (leverage) ratio | 10.5421% | 2,920 |
| Tier 1 risk-based capital ratio | 15.4840% | 2,868 |
| Total risk-based capital ratio | 16.7385% | 2,798 |
| Memoranda: | ||
| Average total assets | $149,737,670 | 3,566 |
| Average earning assets | $136,488,670 | 3,587 |
| Average equity | $13,786,330 | 4,019 |
| Average total loans | $94,349,670 | 3,512 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 1,048 |
| Cost of funding earning assets | 0.5426% | 1,775 |
| Net interest margin | 4.1583% | 1,195 |
| Noninterest income to average assets | 1.1463% | 838 |
| Noninterest expense to average assets | 3.6729% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 6.5036% | 29 |
| Return on assets (ROA) | 6.5332% | 28 |
| Pretax return on assets | 1.2970% | 2,317 |
| Return on Equity (ROE) | 77.3125% | 9 |
| Retained earnings to average equity (ytd only) | 77.3125% | 4 |
| Net charge-offs to loans | 0.0170% | 2,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 117.7500% | 477 |
| Efficiency ratio | 74.3464% | 2,420 |
| Assets per employee ($millions) | 3.9100% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 1,066 |
| Loan loss allowance to noncurrent loans | 63.9411% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 3.2094% | 376 |
| Noncurrent loans to loans | 2.8856% | 584 |
| Net loans and leases to total assets | 60.5633% | 3,704 |
| Net loans and leases to deposits | 67.8258% | 4,078 |
| Net loans and leases to core deposits | 73.2054% | 3,964 |
| Total domestic deposits to total assets | 89.2924% | 953 |
| Equity capital to assets | 10.4204% | 3,588 |
| Core capital (leverage) ratio | 10.7080% | 2,717 |
| Tier 1 risk-based capital ratio | 15.4877% | 2,925 |
| Total risk-based capital ratio | 16.7468% | 2,851 |
| Memoranda: | ||
| Average total assets | $148,656,000 | 3,601 |
| Average earning assets | $135,632,500 | 3,623 |
| Average equity | $12,562,000 | 4,231 |
| Average total loans | $93,899,000 | 3,539 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7063% | 1,093 |
| Cost of funding earning assets | 0.6278% | 1,193 |
| Net interest margin | 4.0785% | 1,467 |
| Noninterest income to average assets | 1.1549% | 888 |
| Noninterest expense to average assets | 3.7114% | 961 |
| Loan and lease loss provision to assets | 0.0337% | 3,676 |
| Net operating income to assets | 1.1198% | 1,838 |
| Return on assets (ROA) | 1.1198% | 1,902 |
| Pretax return on assets | 1.1198% | 2,959 |
| Return on Equity (ROE) | 19.3409% | 283 |
| Retained earnings to average equity (ytd only) | 19.3409% | 68 |
| Net charge-offs to loans | -0.0609% | 5,621 |
| Credit loss provision to net charge-offs | -89.2857% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2888% | 2,227 |
| Assets per employee ($millions) | 3.9141% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 1,039 |
| Loan loss allowance to noncurrent loans | 60.2493% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 3.5188% | 335 |
| Noncurrent loans to loans | 3.0819% | 506 |
| Net loans and leases to total assets | 63.5049% | 3,346 |
| Net loans and leases to deposits | 68.0395% | 4,125 |
| Net loans and leases to core deposits | 74.0277% | 3,940 |
| Total domestic deposits to total assets | 93.3353% | 41 |
| Equity capital to assets | 6.3761% | 6,101 |
| Core capital (leverage) ratio | 6.5344% | 6,090 |
| Tier 1 risk-based capital ratio | 9.1383% | 6,095 |
| Total risk-based capital ratio | 10.3932% | 6,085 |
| Memoranda: | ||
| Average total assets | $148,327,800 | 3,593 |
| Average earning assets | $134,926,200 | 3,611 |
| Average equity | $8,588,000 | 4,940 |
| Average total loans | $91,962,400 | 3,548 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 1,147 |
| Cost of funding earning assets | 0.6360% | 1,174 |
| Net interest margin | 4.0384% | 1,585 |
| Noninterest income to average assets | 1.2457% | 778 |
| Noninterest expense to average assets | 3.7380% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1787% | 1,721 |
| Return on assets (ROA) | 1.1787% | 1,791 |
| Pretax return on assets | 1.1787% | 2,895 |
| Return on Equity (ROE) | 20.8701% | 223 |
| Retained earnings to average equity (ytd only) | 20.8701% | 60 |
| Net charge-offs to loans | -0.1122% | 5,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0269% | 2,246 |
| Assets per employee ($millions) | 4.0287% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 1,245 |
| Loan loss allowance to noncurrent loans | 58.4558% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 3.4616% | 376 |
| Noncurrent loans to loans | 3.0948% | 556 |
| Net loans and leases to total assets | 62.3003% | 3,564 |
| Net loans and leases to deposits | 66.5129% | 4,334 |
| Net loans and leases to core deposits | 73.6336% | 4,050 |
| Total domestic deposits to total assets | 93.6664% | 31 |
| Equity capital to assets | 6.0284% | 6,201 |
| Core capital (leverage) ratio | 6.1792% | 6,191 |
| Tier 1 risk-based capital ratio | 8.8195% | 6,198 |
| Total risk-based capital ratio | 10.0743% | 6,196 |
| Memoranda: | ||
| Average total assets | $149,204,250 | 3,613 |
| Average earning assets | $135,629,000 | 3,637 |
| Average equity | $8,426,500 | 5,036 |
| Average total loans | $91,525,750 | 3,590 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 1,266 |
| Cost of funding earning assets | 0.6403% | 1,162 |
| Net interest margin | 3.9670% | 1,749 |
| Noninterest income to average assets | 1.1363% | 933 |
| Noninterest expense to average assets | 3.7440% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9956% | 2,409 |
| Return on assets (ROA) | 0.9956% | 2,521 |
| Pretax return on assets | 0.9956% | 3,602 |
| Return on Equity (ROE) | 18.0340% | 412 |
| Retained earnings to average equity (ytd only) | 18.0340% | 105 |
| Net charge-offs to loans | -0.2077% | 6,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9935% | 1,915 |
| Assets per employee ($millions) | 3.7483% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9001% | 1,163 |
| Loan loss allowance to noncurrent loans | 57.5425% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.6570% | 378 |
| Noncurrent loans to loans | 3.3021% | 553 |
| Net loans and leases to total assets | 59.5038% | 3,905 |
| Net loans and leases to deposits | 63.2670% | 4,601 |
| Net loans and leases to core deposits | 69.6729% | 4,349 |
| Total domestic deposits to total assets | 94.0519% | 31 |
| Equity capital to assets | 5.7340% | 6,279 |
| Core capital (leverage) ratio | 5.9140% | 6,274 |
| Tier 1 risk-based capital ratio | 8.8866% | 6,265 |
| Total risk-based capital ratio | 10.1427% | 6,254 |
| Memoranda: | ||
| Average total assets | $149,251,670 | 3,638 |
| Average earning assets | $135,567,000 | 3,672 |
| Average equity | $8,240,000 | 5,117 |
| Average total loans | $90,508,670 | 3,622 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 1,427 |
| Cost of funding earning assets | 0.6486% | 1,127 |
| Net interest margin | 3.8620% | 2,024 |
| Noninterest income to average assets | 1.0906% | 953 |
| Noninterest expense to average assets | 3.7418% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8515% | 3,002 |
| Return on assets (ROA) | 0.8515% | 3,116 |
| Pretax return on assets | 0.8515% | 4,053 |
| Return on Equity (ROE) | 15.7291% | 600 |
| Retained earnings to average equity (ytd only) | 15.7291% | 232 |
| Net charge-offs to loans | -0.5803% | 6,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4620% | 1,694 |
| Assets per employee ($millions) | 3.8896% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9598% | 1,160 |
| Loan loss allowance to noncurrent loans | 55.7134% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 3.8018% | 409 |
| Noncurrent loans to loans | 3.5177% | 548 |
| Net loans and leases to total assets | 58.2051% | 3,915 |
| Net loans and leases to deposits | 61.6627% | 4,604 |
| Net loans and leases to core deposits | 67.9967% | 4,322 |
| Total domestic deposits to total assets | 94.3926% | 24 |
| Equity capital to assets | 5.4333% | 6,357 |
| Core capital (leverage) ratio | 5.7128% | 6,340 |
| Tier 1 risk-based capital ratio | 8.4613% | 6,339 |
| Total risk-based capital ratio | 9.7170% | 6,341 |
| Memoranda: | ||
| Average total assets | $148,912,500 | 3,672 |
| Average earning assets | $135,059,000 | 3,703 |
| Average equity | $8,061,500 | 5,198 |
| Average total loans | $90,292,000 | 3,637 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 1,199 |
| Cost of funding earning assets | 0.6720% | 1,259 |
| Net interest margin | 4.0816% | 1,644 |
| Noninterest income to average assets | 0.7070% | 2,269 |
| Noninterest expense to average assets | 3.4852% | 1,514 |
| Loan and lease loss provision to assets | 0.5367% | 271 |
| Net operating income to assets | 0.3378% | 5,414 |
| Return on assets (ROA) | 0.3671% | 5,402 |
| Pretax return on assets | 0.3671% | 5,568 |
| Return on Equity (ROE) | 7.0162% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.0162% | 1,405 |
| Net charge-offs to loans | 1.0894% | 262 |
| Credit loss provision to net charge-offs | 80.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 1.3036% | 4,451 |
| Efficiency ratio | 79.9406% | 1,940 |
| Assets per employee ($millions) | 3.6533% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8050% | 1,521 |
| Loan loss allowance to noncurrent loans | 42.5410% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 4.4364% | 354 |
| Noncurrent loans to loans | 4.2430% | 410 |
| Net loans and leases to total assets | 60.8299% | 3,666 |
| Net loans and leases to deposits | 64.4841% | 4,477 |
| Net loans and leases to core deposits | 71.5049% | 4,170 |
| Total domestic deposits to total assets | 94.3332% | 24 |
| Equity capital to assets | 5.3931% | 6,445 |
| Core capital (leverage) ratio | 5.5765% | 6,434 |
| Tier 1 risk-based capital ratio | 8.1875% | 6,439 |
| Total risk-based capital ratio | 9.4423% | 6,440 |
| Memoranda: | ||
| Average total assets | $146,820,200 | 3,680 |
| Average earning assets | $131,393,000 | 3,733 |
| Average equity | $7,682,200 | 5,275 |
| Average total loans | $90,418,600 | 3,622 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 1,224 |
| Cost of funding earning assets | 0.6707% | 1,312 |
| Net interest margin | 4.0641% | 1,681 |
| Noninterest income to average assets | 0.6386% | 2,633 |
| Noninterest expense to average assets | 3.3933% | 1,691 |
| Loan and lease loss provision to assets | 0.5714% | 246 |
| Net operating income to assets | 0.3011% | 5,575 |
| Return on assets (ROA) | 0.3011% | 5,653 |
| Pretax return on assets | 0.3011% | 5,771 |
| Return on Equity (ROE) | 5.7997% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.7997% | 2,538 |
| Net charge-offs to loans | 1.2582% | 210 |
| Credit loss provision to net charge-offs | 73.8570% | 2,697 |
| Earnings coverage of net charge-offs (x) | 1.1278% | 4,222 |
| Efficiency ratio | 79.5450% | 1,982 |
| Assets per employee ($millions) | 3.6222% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,782 |
| Loan loss allowance to noncurrent loans | 40.2806% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 4.5586% | 397 |
| Noncurrent loans to loans | 4.3776% | 457 |
| Net loans and leases to total assets | 60.3216% | 3,732 |
| Net loans and leases to deposits | 63.7583% | 4,565 |
| Net loans and leases to core deposits | 69.6569% | 4,358 |
| Total domestic deposits to total assets | 94.6098% | 30 |
| Equity capital to assets | 5.1438% | 6,520 |
| Core capital (leverage) ratio | 5.4478% | 6,510 |
| Tier 1 risk-based capital ratio | 7.8573% | 6,511 |
| Total risk-based capital ratio | 9.1108% | 6,512 |
| Memoranda: | ||
| Average total assets | $146,992,250 | 3,705 |
| Average earning assets | $131,195,250 | 3,763 |
| Average equity | $7,632,500 | 5,328 |
| Average total loans | $90,391,750 | 3,653 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 1,205 |
| Cost of funding earning assets | 0.6710% | 1,371 |
| Net interest margin | 4.0661% | 1,619 |
| Noninterest income to average assets | 0.5557% | 3,078 |
| Noninterest expense to average assets | 3.4379% | 1,596 |
| Loan and lease loss provision to assets | 0.4410% | 370 |
| Net operating income to assets | 0.2922% | 5,594 |
| Return on assets (ROA) | 0.2922% | 5,661 |
| Pretax return on assets | 0.2922% | 5,794 |
| Return on Equity (ROE) | 5.6092% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.6092% | 2,574 |
| Net charge-offs to loans | 1.0852% | 310 |
| Credit loss provision to net charge-offs | 66.0532% | 2,535 |
| Earnings coverage of net charge-offs (x) | 1.0982% | 3,890 |
| Efficiency ratio | 82.4223% | 1,699 |
| Assets per employee ($millions) | 3.9981% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8006% | 1,838 |
| Loan loss allowance to noncurrent loans | 33.1211% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 5.4235% | 311 |
| Noncurrent loans to loans | 5.4365% | 341 |
| Net loans and leases to total assets | 61.3828% | 3,508 |
| Net loans and leases to deposits | 64.9981% | 4,379 |
| Net loans and leases to core deposits | 71.1728% | 4,130 |
| Total domestic deposits to total assets | 94.4379% | 36 |
| Equity capital to assets | 5.2687% | 6,573 |
| Core capital (leverage) ratio | 5.4084% | 6,568 |
| Tier 1 risk-based capital ratio | 7.6031% | 6,577 |
| Total risk-based capital ratio | 8.8569% | 6,578 |
| Memoranda: | ||
| Average total assets | $146,486,670 | 3,736 |
| Average earning assets | $130,248,000 | 3,803 |
| Average equity | $7,630,330 | 5,365 |
| Average total loans | $90,125,330 | 3,674 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 1,442 |
| Cost of funding earning assets | 0.6720% | 1,429 |
| Net interest margin | 3.9515% | 1,926 |
| Noninterest income to average assets | 0.6504% | 2,459 |
| Noninterest expense to average assets | 3.5674% | 1,363 |
| Loan and lease loss provision to assets | 0.1372% | 1,766 |
| Net operating income to assets | 0.4473% | 4,943 |
| Return on assets (ROA) | 0.4473% | 5,013 |
| Pretax return on assets | 0.4473% | 5,316 |
| Return on Equity (ROE) | 8.6375% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.6375% | 1,368 |
| Net charge-offs to loans | 1.6323% | 189 |
| Credit loss provision to net charge-offs | 13.7741% | 2,573 |
| Earnings coverage of net charge-offs (x) | 0.5868% | 3,307 |
| Efficiency ratio | 85.9220% | 1,463 |
| Assets per employee ($millions) | 3.8505% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 2,350 |
| Loan loss allowance to noncurrent loans | 29.2994% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 5.5653% | 338 |
| Noncurrent loans to loans | 5.8035% | 327 |
| Net loans and leases to total assets | 59.9762% | 3,565 |
| Net loans and leases to deposits | 63.6587% | 4,355 |
| Net loans and leases to core deposits | 69.6509% | 4,138 |
| Total domestic deposits to total assets | 94.2153% | 58 |
| Equity capital to assets | 5.2195% | 6,619 |
| Core capital (leverage) ratio | 5.4209% | 6,628 |
| Tier 1 risk-based capital ratio | 7.4253% | 6,641 |
| Total risk-based capital ratio | 8.6776% | 6,641 |
| Memoranda: | ||
| Average total assets | $145,765,500 | 3,770 |
| Average earning assets | $129,167,000 | 3,854 |
| Average equity | $7,548,500 | 5,410 |
| Average total loans | $88,954,000 | 3,727 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,523 |
| Cost of funding earning assets | 0.7506% | 1,490 |
| Net interest margin | 3.9674% | 2,042 |
| Noninterest income to average assets | 0.6573% | 2,770 |
| Noninterest expense to average assets | 4.2729% | 646 |
| Loan and lease loss provision to assets | 0.8181% | 254 |
| Net operating income to assets | -0.9708% | 6,605 |
| Return on assets (ROA) | -0.9708% | 6,603 |
| Pretax return on assets | -0.9708% | 6,587 |
| Return on Equity (ROE) | -16.5623% | 6,663 |
| Retained earnings to average equity (ytd only) | -16.5623% | 6,641 |
| Net charge-offs to loans | 2.3307% | 133 |
| Credit loss provision to net charge-offs | 57.9075% | 3,626 |
| Earnings coverage of net charge-offs (x) | -0.1080% | 5,118 |
| Efficiency ratio | 103.7043% | 377 |
| Assets per employee ($millions) | 3.5418% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0658% | 1,403 |
| Loan loss allowance to noncurrent loans | 29.5561% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 5.8232% | 334 |
| Noncurrent loans to loans | 6.9894% | 243 |
| Net loans and leases to total assets | 59.7763% | 3,755 |
| Net loans and leases to deposits | 63.4423% | 4,568 |
| Net loans and leases to core deposits | 69.6078% | 4,323 |
| Total domestic deposits to total assets | 94.2216% | 75 |
| Equity capital to assets | 5.1373% | 6,678 |
| Core capital (leverage) ratio | 5.3297% | 6,698 |
| Tier 1 risk-based capital ratio | 7.4075% | 6,713 |
| Total risk-based capital ratio | 8.6640% | 6,714 |
| Memoranda: | ||
| Average total assets | $145,453,000 | 3,779 |
| Average earning assets | $126,958,400 | 3,907 |
| Average equity | $8,525,400 | 5,205 |
| Average total loans | $88,171,600 | 3,729 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 1,721 |
| Cost of funding earning assets | 0.7657% | 1,510 |
| Net interest margin | 3.8938% | 2,299 |
| Noninterest income to average assets | 0.5718% | 3,321 |
| Noninterest expense to average assets | 3.8658% | 1,008 |
| Loan and lease loss provision to assets | 0.4032% | 746 |
| Net operating income to assets | -0.3143% | 6,529 |
| Return on assets (ROA) | -0.3143% | 6,545 |
| Pretax return on assets | -0.3143% | 6,524 |
| Return on Equity (ROE) | -5.2017% | 6,604 |
| Retained earnings to average equity (ytd only) | -5.2017% | 6,505 |
| Net charge-offs to loans | 2.3379% | 142 |
| Credit loss provision to net charge-offs | 28.4974% | 3,925 |
| Earnings coverage of net charge-offs (x) | 0.0628% | 4,838 |
| Efficiency ratio | 97.7525% | 536 |
| Assets per employee ($millions) | 3.4501% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 2,317 |
| Loan loss allowance to noncurrent loans | 20.4838% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 6.9024% | 303 |
| Noncurrent loans to loans | 8.7664% | 187 |
| Net loans and leases to total assets | 60.0838% | 3,681 |
| Net loans and leases to deposits | 63.7386% | 4,546 |
| Net loans and leases to core deposits | 69.7944% | 4,346 |
| Total domestic deposits to total assets | 94.2659% | 60 |
| Equity capital to assets | 5.5236% | 6,735 |
| Core capital (leverage) ratio | 6.0974% | 6,708 |
| Tier 1 risk-based capital ratio | 8.5240% | 6,746 |
| Total risk-based capital ratio | 9.7778% | 6,748 |
| Memoranda: | ||
| Average total assets | $145,513,000 | 3,821 |
| Average earning assets | $126,419,000 | 3,952 |
| Average equity | $8,791,750 | 5,190 |
| Average total loans | $88,056,000 | 3,757 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 2,034 |
| Cost of funding earning assets | 0.7792% | 1,532 |
| Net interest margin | 3.7695% | 2,678 |
| Noninterest income to average assets | 0.9553% | 1,635 |
| Noninterest expense to average assets | 3.9076% | 969 |
| Loan and lease loss provision to assets | 0.3088% | 1,152 |
| Net operating income to assets | 0.0055% | 6,297 |
| Return on assets (ROA) | 0.0055% | 6,360 |
| Pretax return on assets | 0.0055% | 6,347 |
| Return on Equity (ROE) | 0.0884% | 6,359 |
| Retained earnings to average equity (ytd only) | 0.0884% | 5,824 |
| Net charge-offs to loans | 3.1233% | 93 |
| Credit loss provision to net charge-offs | 16.3994% | 3,807 |
| Earnings coverage of net charge-offs (x) | 0.1669% | 4,491 |
| Efficiency ratio | 92.5553% | 857 |
| Assets per employee ($millions) | 3.6848% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 2,550 |
| Loan loss allowance to noncurrent loans | 17.6363% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 8.7601% | 200 |
| Noncurrent loans to loans | 10.0057% | 158 |
| Net loans and leases to total assets | 60.0039% | 3,655 |
| Net loans and leases to deposits | 64.0423% | 4,496 |
| Net loans and leases to core deposits | 70.1681% | 4,256 |
| Total domestic deposits to total assets | 93.6942% | 75 |
| Equity capital to assets | 6.1082% | 6,733 |
| Core capital (leverage) ratio | 6.2311% | 6,731 |
| Tier 1 risk-based capital ratio | 8.6916% | 6,776 |
| Total risk-based capital ratio | 9.9444% | 6,779 |
| Memoranda: | ||
| Average total assets | $145,715,330 | 3,845 |
| Average earning assets | $126,278,000 | 3,979 |
| Average equity | $9,054,330 | 5,158 |
| Average total loans | $87,855,670 | 3,773 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 2,154 |
| Cost of funding earning assets | 0.7778% | 1,654 |
| Net interest margin | 3.7253% | 2,756 |
| Noninterest income to average assets | 0.7416% | 2,367 |
| Noninterest expense to average assets | 3.8823% | 1,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0845% | 6,178 |
| Return on assets (ROA) | 0.0845% | 6,266 |
| Pretax return on assets | 0.0845% | 6,281 |
| Return on Equity (ROE) | 1.3489% | 6,136 |
| Retained earnings to average equity (ytd only) | 1.3489% | 5,312 |
| Net charge-offs to loans | 4.7831% | 47 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0295% | 3,819 |
| Efficiency ratio | 97.8694% | 637 |
| Assets per employee ($millions) | 3.6214% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 2,260 |
| Loan loss allowance to noncurrent loans | 17.9683% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 9.6910% | 210 |
| Noncurrent loans to loans | 10.6636% | 182 |
| Net loans and leases to total assets | 56.7141% | 3,975 |
| Net loans and leases to deposits | 60.5913% | 4,724 |
| Net loans and leases to core deposits | 66.1690% | 4,508 |
| Total domestic deposits to total assets | 93.6011% | 93 |
| Equity capital to assets | 6.2063% | 6,813 |
| Core capital (leverage) ratio | 6.2243% | 6,776 |
| Tier 1 risk-based capital ratio | 8.8412% | 6,821 |
| Total risk-based capital ratio | 10.0954% | 6,825 |
| Memoranda: | ||
| Average total assets | $146,718,500 | 3,864 |
| Average earning assets | $127,022,000 | 3,999 |
| Average equity | $9,192,500 | 5,185 |
| Average total loans | $87,893,500 | 3,793 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 2,281 |
| Cost of funding earning assets | 0.8666% | 2,170 |
| Net interest margin | 3.9113% | 2,780 |
| Noninterest income to average assets | 1.3456% | 853 |
| Noninterest expense to average assets | 5.3774% | 288 |
| Loan and lease loss provision to assets | 0.9383% | 458 |
| Net operating income to assets | -1.6165% | 6,881 |
| Return on assets (ROA) | -1.5399% | 6,880 |
| Pretax return on assets | -1.5399% | 6,859 |
| Return on Equity (ROE) | -25.5586% | 6,930 |
| Retained earnings to average equity (ytd only) | -25.5586% | 6,903 |
| Net charge-offs to loans | 1.8035% | 450 |
| Credit loss provision to net charge-offs | 85.2142% | 3,661 |
| Earnings coverage of net charge-offs (x) | -0.6158% | 5,697 |
| Efficiency ratio | 84.0691% | 1,628 |
| Assets per employee ($millions) | 3.8147% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9978% | 665 |
| Loan loss allowance to noncurrent loans | 23.3602% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 10.8417% | 188 |
| Noncurrent loans to loans | 12.8327% | 126 |
| Net loans and leases to total assets | 60.1812% | 3,572 |
| Net loans and leases to deposits | 64.4555% | 4,485 |
| Net loans and leases to core deposits | 70.5626% | 4,225 |
| Total domestic deposits to total assets | 93.3685% | 100 |
| Equity capital to assets | 6.3259% | 6,860 |
| Core capital (leverage) ratio | 5.3297% | 6,913 |
| Tier 1 risk-based capital ratio | 8.6720% | 6,877 |
| Total risk-based capital ratio | 9.9376% | 6,880 |
| Memoranda: | ||
| Average total assets | $197,157,400 | 3,083 |
| Average earning assets | $169,047,000 | 3,244 |
| Average equity | $11,878,600 | 4,590 |
| Average total loans | $120,376,200 | 3,066 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 2,359 |
| Cost of funding earning assets | 0.8652% | 2,431 |
| Net interest margin | 3.9440% | 2,730 |
| Noninterest income to average assets | 0.6057% | 3,239 |
| Noninterest expense to average assets | 4.0473% | 877 |
| Loan and lease loss provision to assets | 0.2854% | 2,286 |
| Net operating income to assets | -0.3527% | 6,616 |
| Return on assets (ROA) | -0.2639% | 6,610 |
| Pretax return on assets | -0.2639% | 6,577 |
| Return on Equity (ROE) | -4.4175% | 6,698 |
| Retained earnings to average equity (ytd only) | -4.4175% | 6,582 |
| Net charge-offs to loans | 1.0928% | 938 |
| Credit loss provision to net charge-offs | 42.8980% | 4,553 |
| Earnings coverage of net charge-offs (x) | -0.1010% | 5,377 |
| Efficiency ratio | 94.5179% | 745 |
| Assets per employee ($millions) | 3.4880% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0362% | 2,066 |
| Loan loss allowance to noncurrent loans | 22.5728% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 7.6584% | 419 |
| Noncurrent loans to loans | 9.0208% | 306 |
| Net loans and leases to total assets | 57.5031% | 4,202 |
| Net loans and leases to deposits | 61.3911% | 5,035 |
| Net loans and leases to core deposits | 65.3374% | 5,021 |
| Total domestic deposits to total assets | 93.6669% | 80 |
| Equity capital to assets | 6.0657% | 6,981 |
| Core capital (leverage) ratio | 4.8486% | 7,038 |
| Tier 1 risk-based capital ratio | 7.0162% | 7,046 |
| Total risk-based capital ratio | 8.2725% | 7,047 |
| Memoranda: | ||
| Average total assets | $210,207,000 | 2,955 |
| Average earning assets | $179,844,750 | 3,124 |
| Average equity | $12,555,750 | 4,491 |
| Average total loans | $127,986,750 | 2,953 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 2,327 |
| Cost of funding earning assets | 0.8762% | 2,594 |
| Net interest margin | 3.9677% | 2,646 |
| Noninterest income to average assets | 0.5864% | 3,346 |
| Noninterest expense to average assets | 3.9710% | 980 |
| Loan and lease loss provision to assets | 0.4228% | 1,545 |
| Net operating income to assets | -0.3994% | 6,682 |
| Return on assets (ROA) | -0.3994% | 6,731 |
| Pretax return on assets | -0.3994% | 6,701 |
| Return on Equity (ROE) | -6.7190% | 6,823 |
| Retained earnings to average equity (ytd only) | -6.7190% | 6,708 |
| Net charge-offs to loans | 1.5519% | 626 |
| Credit loss provision to net charge-offs | 44.2478% | 4,163 |
| Earnings coverage of net charge-offs (x) | 0.0246% | 5,067 |
| Efficiency ratio | 92.3547% | 906 |
| Assets per employee ($millions) | 3.2763% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 2,206 |
| Loan loss allowance to noncurrent loans | 31.1507% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 6.2556% | 669 |
| Noncurrent loans to loans | 6.4461% | 651 |
| Net loans and leases to total assets | 57.9254% | 4,170 |
| Net loans and leases to deposits | 61.7891% | 5,024 |
| Net loans and leases to core deposits | 66.2522% | 4,968 |
| Total domestic deposits to total assets | 93.7468% | 87 |
| Equity capital to assets | 6.0003% | 7,027 |
| Core capital (leverage) ratio | 4.6933% | 7,090 |
| Tier 1 risk-based capital ratio | 6.6921% | 7,109 |
| Total risk-based capital ratio | 7.9478% | 7,108 |
| Memoranda: | ||
| Average total assets | $212,842,000 | 2,942 |
| Average earning assets | $182,824,670 | 3,088 |
| Average equity | $12,650,670 | 4,471 |
| Average total loans | $131,066,330 | 2,911 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 1,464 |
| Cost of funding earning assets | 0.8981% | 2,710 |
| Net interest margin | 4.2411% | 1,633 |
| Noninterest income to average assets | 0.5628% | 3,475 |
| Noninterest expense to average assets | 3.9989% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1351% | 6,164 |
| Return on assets (ROA) | 0.1351% | 6,287 |
| Pretax return on assets | 0.2185% | 6,160 |
| Return on Equity (ROE) | 2.2842% | 5,977 |
| Retained earnings to average equity (ytd only) | 2.2842% | 5,118 |
| Net charge-offs to loans | 1.0443% | 996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,200 |
| Efficiency ratio | 88.2353% | 1,258 |
| Assets per employee ($millions) | 3.3680% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0688% | 2,173 |
| Loan loss allowance to noncurrent loans | 40.5019% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 5.9034% | 803 |
| Noncurrent loans to loans | 5.1079% | 1,087 |
| Net loans and leases to total assets | 60.3698% | 3,581 |
| Net loans and leases to deposits | 64.4544% | 4,570 |
| Net loans and leases to core deposits | 69.0467% | 4,555 |
| Total domestic deposits to total assets | 93.6628% | 105 |
| Equity capital to assets | 6.1332% | 7,062 |
| Core capital (leverage) ratio | 4.6849% | 7,142 |
| Tier 1 risk-based capital ratio | 6.6114% | 7,152 |
| Total risk-based capital ratio | 7.8679% | 7,153 |
| Memoranda: | ||
| Average total assets | $216,059,500 | 2,933 |
| Average earning assets | $186,179,500 | 3,066 |
| Average equity | $12,783,500 | 4,444 |
| Average total loans | $135,593,500 | 2,843 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 3,118 |
| Cost of funding earning assets | 0.9476% | 3,736 |
| Net interest margin | 3.9999% | 2,875 |
| Noninterest income to average assets | 0.8278% | 1,932 |
| Noninterest expense to average assets | 7.4498% | 123 |
| Loan and lease loss provision to assets | 3.6624% | 73 |
| Net operating income to assets | -6.9186% | 7,333 |
| Return on assets (ROA) | -6.9186% | 7,335 |
| Pretax return on assets | -6.8233% | 7,336 |
| Return on Equity (ROE) | -68.8011% | 7,270 |
| Retained earnings to average equity (ytd only) | -68.8011% | 7,270 |
| Net charge-offs to loans | 5.9953% | 47 |
| Credit loss provision to net charge-offs | 92.2019% | 3,913 |
| Earnings coverage of net charge-offs (x) | -0.7957% | 6,154 |
| Efficiency ratio | 126.4655% | 255 |
| Assets per employee ($millions) | 3.5445% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 1,954 |
| Loan loss allowance to noncurrent loans | 30.4440% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 7.0012% | 650 |
| Noncurrent loans to loans | 6.9561% | 637 |
| Net loans and leases to total assets | 62.4466% | 3,513 |
| Net loans and leases to deposits | 69.9200% | 4,115 |
| Net loans and leases to core deposits | 74.4015% | 4,187 |
| Total domestic deposits to total assets | 89.3115% | 1,360 |
| Equity capital to assets | 5.7141% | 7,114 |
| Core capital (leverage) ratio | 4.1595% | 7,200 |
| Tier 1 risk-based capital ratio | 5.9042% | 7,203 |
| Total risk-based capital ratio | 7.1616% | 7,205 |
| Memoranda: | ||
| Average total assets | $243,417,000 | 2,595 |
| Average earning assets | $210,632,000 | 2,722 |
| Average equity | $24,477,800 | 2,623 |
| Average total loans | $161,275,000 | 2,481 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 3,076 |
| Cost of funding earning assets | 0.9551% | 3,997 |
| Net interest margin | 4.0471% | 2,702 |
| Noninterest income to average assets | 0.7953% | 2,073 |
| Noninterest expense to average assets | 4.3695% | 661 |
| Loan and lease loss provision to assets | 3.8371% | 65 |
| Net operating income to assets | -4.0137% | 7,333 |
| Return on assets (ROA) | -4.0137% | 7,335 |
| Pretax return on assets | -3.9026% | 7,330 |
| Return on Equity (ROE) | -36.3836% | 7,234 |
| Retained earnings to average equity (ytd only) | -36.3836% | 7,227 |
| Net charge-offs to loans | 0.6402% | 2,330 |
| Credit loss provision to net charge-offs | 897.1142% | 305 |
| Earnings coverage of net charge-offs (x) | -0.1531% | 5,695 |
| Efficiency ratio | 95.9102% | 828 |
| Assets per employee ($millions) | 3.4071% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4990% | 67 |
| Loan loss allowance to noncurrent loans | 67.7871% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 8.5547% | 486 |
| Noncurrent loans to loans | 9.5873% | 378 |
| Net loans and leases to total assets | 60.2126% | 4,092 |
| Net loans and leases to deposits | 72.4976% | 3,894 |
| Net loans and leases to core deposits | 76.6275% | 4,108 |
| Total domestic deposits to total assets | 83.0546% | 4,657 |
| Equity capital to assets | 9.1843% | 5,534 |
| Core capital (leverage) ratio | 6.2169% | 7,110 |
| Tier 1 risk-based capital ratio | 8.5803% | 7,150 |
| Total risk-based capital ratio | 9.8880% | 7,151 |
| Memoranda: | ||
| Average total assets | $248,444,750 | 2,550 |
| Average earning assets | $215,391,000 | 2,678 |
| Average equity | $27,407,250 | 2,365 |
| Average total loans | $165,977,750 | 2,431 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 2,805 |
| Cost of funding earning assets | 0.9786% | 4,104 |
| Net interest margin | 4.0950% | 2,427 |
| Noninterest income to average assets | 0.7964% | 2,035 |
| Noninterest expense to average assets | 4.5135% | 587 |
| Loan and lease loss provision to assets | 0.8379% | 1,081 |
| Net operating income to assets | -0.9480% | 6,930 |
| Return on assets (ROA) | -0.9480% | 6,935 |
| Pretax return on assets | -1.0087% | 6,895 |
| Return on Equity (ROE) | -8.1545% | 6,871 |
| Retained earnings to average equity (ytd only) | -8.1545% | 6,783 |
| Net charge-offs to loans | 0.2137% | 3,855 |
| Credit loss provision to net charge-offs | 580.1105% | 537 |
| Earnings coverage of net charge-offs (x) | -1.1823% | 5,657 |
| Efficiency ratio | 98.4197% | 781 |
| Assets per employee ($millions) | 3.2278% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8397% | 1,042 |
| Loan loss allowance to noncurrent loans | 39.7703% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 7.0587% | 718 |
| Noncurrent loans to loans | 7.1401% | 710 |
| Net loans and leases to total assets | 65.5808% | 3,119 |
| Net loans and leases to deposits | 79.2659% | 2,928 |
| Net loans and leases to core deposits | 83.9063% | 3,229 |
| Total domestic deposits to total assets | 82.7353% | 4,889 |
| Equity capital to assets | 11.7389% | 2,295 |
| Core capital (leverage) ratio | 8.5117% | 5,535 |
| Tier 1 risk-based capital ratio | 11.1660% | 6,402 |
| Total risk-based capital ratio | 12.4316% | 6,384 |
| Memoranda: | ||
| Average total assets | $250,626,000 | 2,541 |
| Average earning assets | $217,047,330 | 2,675 |
| Average equity | $29,137,330 | 2,232 |
| Average total loans | $169,377,330 | 2,419 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5705% | 1,119 |
| Cost of funding earning assets | 0.9879% | 4,284 |
| Net interest margin | 4.5826% | 892 |
| Noninterest income to average assets | 0.9902% | 1,354 |
| Noninterest expense to average assets | 4.8616% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0879% | 6,129 |
| Return on assets (ROA) | 0.0879% | 6,179 |
| Pretax return on assets | 0.0957% | 6,175 |
| Return on Equity (ROE) | 0.7594% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.7594% | 5,521 |
| Net charge-offs to loans | 0.2854% | 2,919 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.4959% | 4,248 |
| Efficiency ratio | 93.3207% | 1,076 |
| Assets per employee ($millions) | 3.3399% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 2,016 |
| Loan loss allowance to noncurrent loans | 177.8157% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 3.0571% | 2,257 |
| Noncurrent loans to loans | 1.2250% | 4,636 |
| Net loans and leases to total assets | 64.5251% | 3,348 |
| Net loans and leases to deposits | 77.7311% | 3,108 |
| Net loans and leases to core deposits | 82.4850% | 3,383 |
| Total domestic deposits to total assets | 83.0107% | 4,926 |
| Equity capital to assets | 11.6335% | 2,175 |
| Core capital (leverage) ratio | 8.9008% | 4,770 |
| Tier 1 risk-based capital ratio | 11.4140% | 6,167 |
| Total risk-based capital ratio | 12.6722% | 6,148 |
| Memoranda: | ||
| Average total assets | $254,897,500 | 2,521 |
| Average earning assets | $220,663,000 | 2,654 |
| Average equity | $29,497,000 | 2,205 |
| Average total loans | $172,366,000 | 2,402 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8382% | 1,181 |
| Cost of funding earning assets | 1.2272% | 4,373 |
| Net interest margin | 4.6110% | 992 |
| Noninterest income to average assets | 1.3270% | 835 |
| Noninterest expense to average assets | 5.4297% | 317 |
| Loan and lease loss provision to assets | 0.9117% | 1,796 |
| Net operating income to assets | -1.0103% | 6,689 |
| Return on assets (ROA) | -0.9468% | 6,687 |
| Pretax return on assets | -0.9546% | 6,608 |
| Return on Equity (ROE) | -8.4273% | 6,646 |
| Retained earnings to average equity (ytd only) | -8.4273% | 6,561 |
| Net charge-offs to loans | 0.3321% | 4,349 |
| Credit loss provision to net charge-offs | 405.1969% | 601 |
| Earnings coverage of net charge-offs (x) | -0.4756% | 6,440 |
| Efficiency ratio | 82.5511% | 2,098 |
| Assets per employee ($millions) | 3.1600% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1264% | 2,012 |
| Loan loss allowance to noncurrent loans | 234.7447% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 2.7813% | 2,513 |
| Noncurrent loans to loans | 0.9058% | 5,247 |
| Net loans and leases to total assets | 67.7948% | 3,030 |
| Net loans and leases to deposits | 85.7186% | 2,152 |
| Net loans and leases to core deposits | 91.1515% | 2,598 |
| Total domestic deposits to total assets | 79.0900% | 6,061 |
| Equity capital to assets | 11.5112% | 2,253 |
| Core capital (leverage) ratio | 7.7078% | 6,537 |
| Tier 1 risk-based capital ratio | 10.6164% | 6,625 |
| Total risk-based capital ratio | 11.8737% | 6,590 |
| Memoranda: | ||
| Average total assets | $282,209,600 | 2,274 |
| Average earning assets | $244,544,200 | 2,388 |
| Average equity | $31,706,600 | 2,070 |
| Average total loans | $191,229,000 | 2,238 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7398% | 1,576 |
| Cost of funding earning assets | 1.2408% | 4,621 |
| Net interest margin | 4.4990% | 1,256 |
| Noninterest income to average assets | 1.2046% | 958 |
| Noninterest expense to average assets | 4.5520% | 561 |
| Loan and lease loss provision to assets | 0.4031% | 3,490 |
| Net operating income to assets | 0.1359% | 5,672 |
| Return on assets (ROA) | 0.1593% | 5,775 |
| Pretax return on assets | 0.1722% | 5,790 |
| Return on Equity (ROE) | 1.4256% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.4256% | 5,234 |
| Net charge-offs to loans | 0.3855% | 3,744 |
| Credit loss provision to net charge-offs | 155.0622% | 2,474 |
| Earnings coverage of net charge-offs (x) | 2.1154% | 4,138 |
| Efficiency ratio | 85.1041% | 1,719 |
| Assets per employee ($millions) | 3.1172% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,990 |
| Loan loss allowance to noncurrent loans | 107.5803% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 2.7413% | 2,642 |
| Noncurrent loans to loans | 1.0115% | 5,215 |
| Net loans and leases to total assets | 68.6693% | 3,061 |
| Net loans and leases to deposits | 83.2890% | 2,844 |
| Net loans and leases to core deposits | 88.1314% | 3,351 |
| Total domestic deposits to total assets | 82.4470% | 4,819 |
| Equity capital to assets | 11.6396% | 2,421 |
| Core capital (leverage) ratio | 7.9040% | 6,460 |
| Tier 1 risk-based capital ratio | 9.8763% | 7,125 |
| Total risk-based capital ratio | 10.8298% | 7,225 |
| Memoranda: | ||
| Average total assets | $288,772,250 | 2,252 |
| Average earning assets | $250,153,250 | 2,371 |
| Average equity | $32,267,250 | 2,054 |
| Average total loans | $194,712,000 | 2,239 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5569% | 2,303 |
| Cost of funding earning assets | 1.2685% | 4,722 |
| Net interest margin | 4.2884% | 1,828 |
| Noninterest income to average assets | 1.1987% | 898 |
| Noninterest expense to average assets | 4.4926% | 579 |
| Loan and lease loss provision to assets | 0.3518% | 3,612 |
| Net operating income to assets | 0.0667% | 5,951 |
| Return on assets (ROA) | 0.1019% | 5,977 |
| Pretax return on assets | 0.1095% | 5,959 |
| Return on Equity (ROE) | 0.9245% | 5,972 |
| Retained earnings to average equity (ytd only) | 0.9245% | 5,393 |
| Net charge-offs to loans | 0.2753% | 3,960 |
| Credit loss provision to net charge-offs | 191.3858% | 2,061 |
| Earnings coverage of net charge-offs (x) | 2.3034% | 3,846 |
| Efficiency ratio | 87.1289% | 1,592 |
| Assets per employee ($millions) | 3.0557% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,338 |
| Loan loss allowance to noncurrent loans | 131.9568% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 2.3422% | 3,088 |
| Noncurrent loans to loans | 0.7686% | 5,734 |
| Net loans and leases to total assets | 67.6960% | 3,456 |
| Net loans and leases to deposits | 84.6816% | 2,755 |
| Net loans and leases to core deposits | 89.7929% | 3,303 |
| Total domestic deposits to total assets | 79.9418% | 5,745 |
| Equity capital to assets | 10.9478% | 2,921 |
| Core capital (leverage) ratio | 7.9418% | 6,339 |
| Tier 1 risk-based capital ratio | 9.4296% | 7,294 |
| Total risk-based capital ratio | 10.3260% | 7,406 |
| Memoranda: | ||
| Average total assets | $290,476,000 | 2,261 |
| Average earning assets | $251,793,670 | 2,376 |
| Average equity | $32,017,330 | 2,059 |
| Average total loans | $193,972,330 | 2,276 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4866% | 2,647 |
| Cost of funding earning assets | 1.3519% | 4,481 |
| Net interest margin | 4.1347% | 2,300 |
| Noninterest income to average assets | 1.3497% | 661 |
| Noninterest expense to average assets | 4.6254% | 501 |
| Loan and lease loss provision to assets | 0.2028% | 4,471 |
| Net operating income to assets | 0.0949% | 6,037 |
| Return on assets (ROA) | 0.1664% | 5,929 |
| Pretax return on assets | 0.1790% | 5,951 |
| Return on Equity (ROE) | 1.5047% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.5047% | 5,192 |
| Net charge-offs to loans | 0.1549% | 3,998 |
| Credit loss provision to net charge-offs | 198.6301% | 1,866 |
| Earnings coverage of net charge-offs (x) | 2.9863% | 3,058 |
| Efficiency ratio | 89.5035% | 1,472 |
| Assets per employee ($millions) | 3.0017% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 6,570 |
| Loan loss allowance to noncurrent loans | 60.7268% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.6049% | 2,802 |
| Noncurrent loans to loans | 1.6096% | 4,331 |
| Net loans and leases to total assets | 68.3951% | 3,296 |
| Net loans and leases to deposits | 85.1922% | 2,730 |
| Net loans and leases to core deposits | 90.3809% | 3,313 |
| Total domestic deposits to total assets | 80.2833% | 5,693 |
| Equity capital to assets | 11.2233% | 2,561 |
| Core capital (leverage) ratio | 7.4343% | 6,907 |
| Tier 1 risk-based capital ratio | 9.5442% | 7,282 |
| Total risk-based capital ratio | 10.4174% | 7,445 |
| Memoranda: | ||
| Average total assets | $285,985,000 | 2,341 |
| Average earning assets | $247,659,000 | 2,473 |
| Average equity | $31,634,000 | 2,103 |
| Average total loans | $188,559,500 | 2,394 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4278% | 4,546 |
| Cost of funding earning assets | 1.6824% | 4,602 |
| Net interest margin | 3.7454% | 3,928 |
| Noninterest income to average assets | 0.8242% | 2,291 |
| Noninterest expense to average assets | 4.2320% | 1,054 |
| Loan and lease loss provision to assets | 1.0392% | 2,205 |
| Net operating income to assets | -1.1387% | 6,675 |
| Return on assets (ROA) | -0.8477% | 6,470 |
| Pretax return on assets | -0.9047% | 6,346 |
| Return on Equity (ROE) | -7.4039% | 6,421 |
| Retained earnings to average equity (ytd only) | -8.2576% | 6,372 |
| Net charge-offs to loans | 1.1797% | 2,078 |
| Credit loss provision to net charge-offs | 134.5823% | 3,689 |
| Earnings coverage of net charge-offs (x) | -0.2268% | 6,486 |
| Efficiency ratio | 98.4676% | 1,182 |
| Assets per employee ($millions) | 3.0831% | 6,028 |
| Cash dividends to net income (ytd only)* | -11.5314% | 7,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 6,341 |
| Loan loss allowance to noncurrent loans | 56.8020% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.4095% | 2,889 |
| Noncurrent loans to loans | 1.7708% | 3,981 |
| Net loans and leases to total assets | 62.2467% | 4,938 |
| Net loans and leases to deposits | 74.9053% | 4,890 |
| Net loans and leases to core deposits | 99.9911% | 4,000 |
| Total domestic deposits to total assets | 83.1005% | 4,482 |
| Equity capital to assets | 10.9038% | 2,773 |
| Core capital (leverage) ratio | 8.1525% | 5,901 |
| Tier 1 risk-based capital ratio | 10.4407% | 6,455 |
| Total risk-based capital ratio | 11.3720% | 6,737 |
| Memoranda: | ||
| Average total assets | $255,765,800 | 2,558 |
| Average earning assets | $220,753,200 | 2,697 |
| Average equity | $29,282,000 | 2,278 |
| Average total loans | $167,419,600 | 2,656 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4871% | 4,485 |
| Cost of funding earning assets | 1.7835% | 4,457 |
| Net interest margin | 3.7036% | 4,048 |
| Noninterest income to average assets | 0.8164% | 2,350 |
| Noninterest expense to average assets | 4.1473% | 1,085 |
| Loan and lease loss provision to assets | 0.7862% | 2,404 |
| Net operating income to assets | -0.8545% | 6,732 |
| Return on assets (ROA) | -0.4573% | 6,389 |
| Pretax return on assets | -0.4896% | 6,282 |
| Return on Equity (ROE) | -3.9392% | 6,337 |
| Retained earnings to average equity (ytd only) | -5.1005% | 6,270 |
| Net charge-offs to loans | 0.7598% | 2,457 |
| Credit loss provision to net charge-offs | 156.2701% | 3,049 |
| Earnings coverage of net charge-offs (x) | -0.2594% | 6,328 |
| Efficiency ratio | 97.1406% | 1,201 |
| Assets per employee ($millions) | 2.6664% | 6,919 |
| Cash dividends to net income (ytd only)* | -29.4815% | 7,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 6,448 |
| Loan loss allowance to noncurrent loans | 60.8648% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.6427% | 2,632 |
| Noncurrent loans to loans | 1.5920% | 4,248 |
| Net loans and leases to total assets | 67.5827% | 4,053 |
| Net loans and leases to deposits | 81.9762% | 4,025 |
| Net loans and leases to core deposits | 100.0789% | 4,364 |
| Total domestic deposits to total assets | 82.4418% | 4,479 |
| Equity capital to assets | 11.3610% | 2,702 |
| Core capital (leverage) ratio | 7.4037% | 7,076 |
| Tier 1 risk-based capital ratio | 9.4843% | 7,386 |
| Total risk-based capital ratio | 10.3809% | 7,576 |
| Memoranda: | ||
| Average total assets | $247,255,250 | 2,650 |
| Average earning assets | $213,658,250 | 2,801 |
| Average equity | $28,702,500 | 2,343 |
| Average total loans | $163,717,250 | 2,732 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5277% | 4,457 |
| Cost of funding earning assets | 1.8288% | 4,612 |
| Net interest margin | 3.6990% | 3,952 |
| Noninterest income to average assets | 0.6141% | 3,573 |
| Noninterest expense to average assets | 3.9097% | 1,467 |
| Loan and lease loss provision to assets | 0.3809% | 3,645 |
| Net operating income to assets | -0.4159% | 6,461 |
| Return on assets (ROA) | 0.1525% | 5,507 |
| Pretax return on assets | 0.1729% | 5,534 |
| Return on Equity (ROE) | 1.3042% | 5,533 |
| Retained earnings to average equity (ytd only) | -0.4394% | 5,335 |
| Net charge-offs to loans | 0.3772% | 3,309 |
| Credit loss provision to net charge-offs | 154.1254% | 2,978 |
| Earnings coverage of net charge-offs (x) | -0.3729% | 6,010 |
| Efficiency ratio | 95.9197% | 1,380 |
| Assets per employee ($millions) | 2.6400% | 6,976 |
| Cash dividends to net income (ytd only)* | 133.6898% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 7,119 |
| Loan loss allowance to noncurrent loans | 32.2296% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 2.3010% | 2,829 |
| Noncurrent loans to loans | 2.5098% | 2,883 |
| Net loans and leases to total assets | 64.2462% | 4,933 |
| Net loans and leases to deposits | 77.8355% | 4,902 |
| Net loans and leases to core deposits | 93.7686% | 5,141 |
| Total domestic deposits to total assets | 82.5409% | 4,453 |
| Equity capital to assets | 11.2115% | 2,745 |
| Core capital (leverage) ratio | 7.3482% | 7,193 |
| Tier 1 risk-based capital ratio | 9.9009% | 7,039 |
| Total risk-based capital ratio | 10.6442% | 7,448 |
| Memoranda: | ||
| Average total assets | $245,238,330 | 2,696 |
| Average earning assets | $212,383,000 | 2,836 |
| Average equity | $28,677,330 | 2,360 |
| Average total loans | $160,667,670 | 2,814 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 4,212 |
| Cost of funding earning assets | 1.8763% | 4,760 |
| Net interest margin | 3.7488% | 3,659 |
| Noninterest income to average assets | 0.5477% | 3,947 |
| Noninterest expense to average assets | 3.7830% | 1,501 |
| Loan and lease loss provision to assets | 0.3976% | 2,942 |
| Net operating income to assets | -0.3540% | 6,742 |
| Return on assets (ROA) | 0.8612% | 3,025 |
| Pretax return on assets | 0.9272% | 3,614 |
| Return on Equity (ROE) | 7.2108% | 3,498 |
| Retained earnings to average equity (ytd only) | 3.7574% | 3,812 |
| Net charge-offs to loans | 0.6058% | 1,965 |
| Credit loss provision to net charge-offs | 99.5868% | 3,810 |
| Earnings coverage of net charge-offs (x) | 0.0455% | 4,939 |
| Efficiency ratio | 92.9253% | 1,505 |
| Assets per employee ($millions) | 2.8680% | 6,478 |
| Cash dividends to net income (ytd only)* | 47.8927% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7184% | 7,389 |
| Loan loss allowance to noncurrent loans | 43.7548% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 1.9059% | 3,048 |
| Noncurrent loans to loans | 1.6419% | 3,810 |
| Net loans and leases to total assets | 64.3791% | 4,921 |
| Net loans and leases to deposits | 78.4188% | 4,858 |
| Net loans and leases to core deposits | 93.7777% | 5,179 |
| Total domestic deposits to total assets | 82.0965% | 4,507 |
| Equity capital to assets | 11.6307% | 2,495 |
| Core capital (leverage) ratio | 7.6345% | 6,979 |
| Tier 1 risk-based capital ratio | 10.2055% | 6,713 |
| Total risk-based capital ratio | 10.8686% | 7,260 |
| Memoranda: | ||
| Average total assets | $242,455,500 | 2,741 |
| Average earning assets | $210,413,500 | 2,876 |
| Average equity | $28,956,500 | 2,351 |
| Average total loans | $159,778,500 | 2,852 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5248% | 2,843 |
| Cost of funding earning assets | 2.4512% | 4,467 |
| Net interest margin | 4.0735% | 2,820 |
| Noninterest income to average assets | 0.7587% | 2,733 |
| Noninterest expense to average assets | 3.8772% | 1,602 |
| Loan and lease loss provision to assets | 0.2723% | 4,216 |
| Net operating income to assets | 0.1125% | 6,075 |
| Return on assets (ROA) | 0.2656% | 5,482 |
| Pretax return on assets | 0.2933% | 5,524 |
| Return on Equity (ROE) | 2.1978% | 5,545 |
| Retained earnings to average equity (ytd only) | -0.8402% | 5,550 |
| Net charge-offs to loans | 0.2362% | 3,886 |
| Credit loss provision to net charge-offs | 182.3034% | 2,738 |
| Earnings coverage of net charge-offs (x) | 2.6601% | 4,751 |
| Efficiency ratio | 84.7453% | 1,986 |
| Assets per employee ($millions) | 2.6771% | 6,836 |
| Cash dividends to net income (ytd only)* | 138.2306% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7205% | 7,372 |
| Loan loss allowance to noncurrent loans | 93.0421% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 4,224 |
| Noncurrent loans to loans | 0.7744% | 5,091 |
| Net loans and leases to total assets | 66.5098% | 4,751 |
| Net loans and leases to deposits | 82.0167% | 4,729 |
| Net loans and leases to core deposits | 98.7530% | 4,954 |
| Total domestic deposits to total assets | 81.0930% | 4,596 |
| Equity capital to assets | 12.2664% | 2,129 |
| Core capital (leverage) ratio | 7.6238% | 7,043 |
| Tier 1 risk-based capital ratio | 10.1312% | 6,594 |
| Total risk-based capital ratio | 10.8062% | 7,154 |
| Memoranda: | ||
| Average total assets | $238,314,600 | 2,668 |
| Average earning assets | $205,693,400 | 2,826 |
| Average equity | $28,802,000 | 2,349 |
| Average total loans | $150,688,200 | 2,915 |