Home > Pinnacle Bank > Performance and Condition Ratios
Pinnacle Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 4,350 |
| Cost of funding earning assets | 1.2205% | 52 |
| Net interest margin | 2.4042% | 5,617 |
| Noninterest income to average assets | 0.3351% | 4,161 |
| Noninterest expense to average assets | 2.2776% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1100% | 5,499 |
| Return on assets (ROA) | -0.5288% | 5,742 |
| Pretax return on assets | -0.5288% | 5,734 |
| Return on Equity (ROE) | -4.3197% | 5,727 |
| Retained earnings to average equity (ytd only) | -4.3197% | 5,344 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3947% | 335 |
| Assets per employee ($millions) | 8.3172% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9328% | 191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 11.5690% | 26 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 51.1562% | 4,582 |
| Net loans and leases to deposits | 65.7718% | 4,194 |
| Net loans and leases to core deposits | 93.8715% | 1,992 |
| Total domestic deposits to total assets | 77.7784% | 4,996 |
| Equity capital to assets | 12.5483% | 1,498 |
| Core capital (leverage) ratio | 12.3976% | 1,391 |
| Tier 1 risk-based capital ratio | 16.6029% | 2,321 |
| Total risk-based capital ratio | 21.3717% | 1,336 |
| Memoranda: | ||
| Average total assets | $76,397,000 | 4,783 |
| Average earning assets | $65,219,000 | 4,900 |
| Average equity | $9,352,500 | 4,649 |
| Average total loans | $39,751,000 | 4,859 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 4,502 |
| Cost of funding earning assets | 1.1530% | 65 |
| Net interest margin | 2.4491% | 5,611 |
| Noninterest income to average assets | -0.0522% | 5,881 |
| Noninterest expense to average assets | 2.6412% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.6538% | 5,810 |
| Return on assets (ROA) | -0.3723% | 5,766 |
| Pretax return on assets | -0.3723% | 5,754 |
| Return on Equity (ROE) | -3.2669% | 5,760 |
| Retained earnings to average equity (ytd only) | -3.2669% | 5,597 |
| Net charge-offs to loans | 0.1662% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -8.2286% | 4,233 |
| Efficiency ratio | 132.8955% | 52 |
| Assets per employee ($millions) | 8.6599% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8887% | 199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 12.1056% | 26 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.9044% | 4,769 |
| Net loans and leases to deposits | 63.3108% | 4,453 |
| Net loans and leases to core deposits | 89.8787% | 2,513 |
| Total domestic deposits to total assets | 78.8245% | 4,831 |
| Equity capital to assets | 11.9478% | 1,845 |
| Core capital (leverage) ratio | 11.6322% | 1,839 |
| Tier 1 risk-based capital ratio | 16.6310% | 2,296 |
| Total risk-based capital ratio | 21.3678% | 1,328 |
| Memoranda: | ||
| Average total assets | $88,104,600 | 4,580 |
| Average earning assets | $73,373,000 | 4,730 |
| Average equity | $10,040,200 | 4,562 |
| Average total loans | $42,117,200 | 4,813 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5568% | 4,662 |
| Cost of funding earning assets | 1.1401% | 72 |
| Net interest margin | 2.4167% | 5,708 |
| Noninterest income to average assets | 0.4928% | 3,305 |
| Noninterest expense to average assets | 2.7167% | 3,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2192% | 5,799 |
| Return on assets (ROA) | 0.1427% | 5,624 |
| Pretax return on assets | 0.1427% | 5,635 |
| Return on Equity (ROE) | 1.2652% | 5,612 |
| Retained earnings to average equity (ytd only) | 1.2652% | 5,008 |
| Net charge-offs to loans | -0.0031% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7750% | 131 |
| Assets per employee ($millions) | 8.9436% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8273% | 233 |
| Loan loss allowance to noncurrent loans | 1,253.0612% | 468 |
| Noncurrent assets plus other real estate owned to assets | 11.7738% | 31 |
| Noncurrent loans to loans | 0.2256% | 4,462 |
| Net loans and leases to total assets | 47.1913% | 5,011 |
| Net loans and leases to deposits | 58.9362% | 4,827 |
| Net loans and leases to core deposits | 78.7675% | 3,580 |
| Total domestic deposits to total assets | 80.0718% | 4,497 |
| Equity capital to assets | 11.6709% | 2,381 |
| Core capital (leverage) ratio | 11.1700% | 2,295 |
| Tier 1 risk-based capital ratio | 16.0353% | 2,608 |
| Total risk-based capital ratio | 20.5040% | 1,569 |
| Memoranda: | ||
| Average total assets | $90,646,000 | 4,569 |
| Average earning assets | $75,196,500 | 4,736 |
| Average equity | $10,222,250 | 4,580 |
| Average total loans | $42,633,500 | 4,842 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 4,658 |
| Cost of funding earning assets | 1.1405% | 72 |
| Net interest margin | 2.4377% | 5,777 |
| Noninterest income to average assets | 0.4481% | 3,538 |
| Noninterest expense to average assets | 2.3460% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1164% | 5,648 |
| Return on assets (ROA) | 0.1186% | 5,694 |
| Pretax return on assets | 0.1186% | 5,705 |
| Return on Equity (ROE) | 1.0640% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.0640% | 4,962 |
| Net charge-offs to loans | -0.0047% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2721% | 368 |
| Assets per employee ($millions) | 9.9404% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9771% | 202 |
| Loan loss allowance to noncurrent loans | 1,240.4040% | 491 |
| Noncurrent assets plus other real estate owned to assets | 14.8440% | 20 |
| Noncurrent loans to loans | 0.2400% | 4,489 |
| Net loans and leases to total assets | 44.7331% | 5,192 |
| Net loans and leases to deposits | 55.8525% | 5,024 |
| Net loans and leases to core deposits | 76.7755% | 3,755 |
| Total domestic deposits to total assets | 80.0914% | 4,514 |
| Equity capital to assets | 11.6281% | 2,420 |
| Core capital (leverage) ratio | 10.8279% | 2,618 |
| Tier 1 risk-based capital ratio | 16.4906% | 2,433 |
| Total risk-based capital ratio | 21.0668% | 1,463 |
| Memoranda: | ||
| Average total assets | $91,049,330 | 4,602 |
| Average earning assets | $75,233,330 | 4,776 |
| Average equity | $10,150,330 | 4,617 |
| Average total loans | $42,366,670 | 4,888 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5969% | 4,617 |
| Cost of funding earning assets | 1.1303% | 79 |
| Net interest margin | 2.4666% | 5,834 |
| Noninterest income to average assets | 0.3746% | 4,039 |
| Noninterest expense to average assets | 2.2299% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1786% | 5,572 |
| Return on assets (ROA) | 0.1829% | 5,615 |
| Pretax return on assets | 0.1829% | 5,660 |
| Return on Equity (ROE) | 1.6760% | 5,583 |
| Retained earnings to average equity (ytd only) | 1.6760% | 4,605 |
| Net charge-offs to loans | -0.0093% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5859% | 515 |
| Assets per employee ($millions) | 9.5237% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7910% | 276 |
| Loan loss allowance to noncurrent loans | 333.6957% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 14.5070% | 24 |
| Noncurrent loans to loans | 0.8364% | 2,754 |
| Net loans and leases to total assets | 44.9090% | 5,196 |
| Net loans and leases to deposits | 55.0564% | 5,032 |
| Net loans and leases to core deposits | 74.9746% | 3,792 |
| Total domestic deposits to total assets | 81.5691% | 4,337 |
| Equity capital to assets | 10.7175% | 3,235 |
| Core capital (leverage) ratio | 10.8067% | 2,613 |
| Tier 1 risk-based capital ratio | 15.8047% | 2,779 |
| Total risk-based capital ratio | 20.2447% | 1,699 |
| Memoranda: | ||
| Average total assets | $91,842,000 | 4,622 |
| Average earning assets | $75,732,000 | 4,805 |
| Average equity | $10,024,000 | 4,658 |
| Average total loans | $42,926,000 | 4,903 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,215 |
| Cost of funding earning assets | 1.0697% | 119 |
| Net interest margin | 2.6749% | 5,679 |
| Noninterest income to average assets | 0.5223% | 3,181 |
| Noninterest expense to average assets | 2.7184% | 3,519 |
| Loan and lease loss provision to assets | -0.3407% | 6,083 |
| Net operating income to assets | 0.2544% | 5,473 |
| Return on assets (ROA) | 0.2725% | 5,512 |
| Pretax return on assets | 0.2725% | 5,578 |
| Return on Equity (ROE) | 2.4447% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.4447% | 4,326 |
| Net charge-offs to loans | -0.8159% | 6,118 |
| Credit loss provision to net charge-offs | 85.9599% | 2,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2787% | 223 |
| Assets per employee ($millions) | 7.3706% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9316% | 240 |
| Loan loss allowance to noncurrent loans | 289.3868% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 17.1165% | 13 |
| Noncurrent loans to loans | 1.0130% | 2,317 |
| Net loans and leases to total assets | 45.9337% | 5,164 |
| Net loans and leases to deposits | 56.9812% | 4,981 |
| Net loans and leases to core deposits | 71.4283% | 4,184 |
| Total domestic deposits to total assets | 80.6121% | 4,584 |
| Equity capital to assets | 11.1264% | 2,706 |
| Core capital (leverage) ratio | 11.1227% | 2,286 |
| Tier 1 risk-based capital ratio | 16.1289% | 2,635 |
| Total risk-based capital ratio | 20.6486% | 1,571 |
| Memoranda: | ||
| Average total assets | $88,066,200 | 4,709 |
| Average earning assets | $69,460,600 | 4,952 |
| Average equity | $9,817,000 | 4,687 |
| Average total loans | $42,773,600 | 4,905 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 4,195 |
| Cost of funding earning assets | 1.0411% | 140 |
| Net interest margin | 2.7247% | 5,697 |
| Noninterest income to average assets | 0.5259% | 3,197 |
| Noninterest expense to average assets | 2.4235% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2364% | 5,600 |
| Return on assets (ROA) | 0.2577% | 5,638 |
| Pretax return on assets | 0.2577% | 5,710 |
| Return on Equity (ROE) | 2.3103% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.3103% | 4,732 |
| Net charge-offs to loans | 0.0124% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 39.0225% | 1,270 |
| Efficiency ratio | 91.1111% | 626 |
| Assets per employee ($millions) | 7.2923% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7958% | 302 |
| Loan loss allowance to noncurrent loans | 271.7593% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 18.0761% | 11 |
| Noncurrent loans to loans | 1.0288% | 2,421 |
| Net loans and leases to total assets | 46.6437% | 5,181 |
| Net loans and leases to deposits | 58.1108% | 4,997 |
| Net loans and leases to core deposits | 75.3345% | 3,873 |
| Total domestic deposits to total assets | 80.2669% | 4,682 |
| Equity capital to assets | 11.3144% | 2,689 |
| Core capital (leverage) ratio | 11.3037% | 2,192 |
| Tier 1 risk-based capital ratio | 15.8906% | 2,848 |
| Total risk-based capital ratio | 20.3851% | 1,705 |
| Memoranda: | ||
| Average total assets | $87,971,000 | 4,768 |
| Average earning assets | $68,897,750 | 5,017 |
| Average equity | $9,811,000 | 4,749 |
| Average total loans | $43,003,500 | 4,951 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 3,992 |
| Cost of funding earning assets | 1.0338% | 143 |
| Net interest margin | 2.7860% | 5,641 |
| Noninterest income to average assets | 0.6128% | 2,665 |
| Noninterest expense to average assets | 2.4851% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2928% | 5,457 |
| Return on assets (ROA) | 0.3177% | 5,482 |
| Pretax return on assets | 0.3177% | 5,631 |
| Return on Equity (ROE) | 2.8627% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.8627% | 4,216 |
| Net charge-offs to loans | 0.0185% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 32.2500% | 1,301 |
| Efficiency ratio | 89.4608% | 793 |
| Assets per employee ($millions) | 7.8348% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7723% | 348 |
| Loan loss allowance to noncurrent loans | 271.7593% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 18.7090% | 9 |
| Noncurrent loans to loans | 1.0201% | 2,605 |
| Net loans and leases to total assets | 47.7751% | 5,127 |
| Net loans and leases to deposits | 59.5482% | 4,889 |
| Net loans and leases to core deposits | 75.2848% | 3,825 |
| Total domestic deposits to total assets | 80.2293% | 4,813 |
| Equity capital to assets | 11.2215% | 2,651 |
| Core capital (leverage) ratio | 11.1676% | 2,272 |
| Tier 1 risk-based capital ratio | 15.7543% | 2,978 |
| Total risk-based capital ratio | 20.2297% | 1,767 |
| Memoranda: | ||
| Average total assets | $88,125,330 | 4,813 |
| Average earning assets | $68,485,330 | 5,078 |
| Average equity | $9,781,000 | 4,790 |
| Average total loans | $43,341,000 | 4,977 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 3,767 |
| Cost of funding earning assets | 1.0142% | 169 |
| Net interest margin | 2.8502% | 5,549 |
| Noninterest income to average assets | 0.5702% | 2,831 |
| Noninterest expense to average assets | 2.4917% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2739% | 5,498 |
| Return on assets (ROA) | 0.3232% | 5,440 |
| Pretax return on assets | 0.3232% | 5,596 |
| Return on Equity (ROE) | 2.9280% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.9280% | 4,213 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0974% | 841 |
| Assets per employee ($millions) | 8.8199% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7102% | 404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 19.3007% | 10 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.9450% | 5,037 |
| Net loans and leases to deposits | 59.6701% | 4,766 |
| Net loans and leases to core deposits | 76.3165% | 3,563 |
| Total domestic deposits to total assets | 80.3501% | 4,976 |
| Equity capital to assets | 11.2677% | 2,687 |
| Core capital (leverage) ratio | 11.0163% | 2,397 |
| Tier 1 risk-based capital ratio | 14.8643% | 3,502 |
| Total risk-based capital ratio | 19.1777% | 2,121 |
| Memoranda: | ||
| Average total assets | $89,096,500 | 4,829 |
| Average earning assets | $68,627,000 | 5,128 |
| Average equity | $9,836,000 | 4,816 |
| Average total loans | $43,837,500 | 4,990 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,457 |
| Cost of funding earning assets | 1.0470% | 187 |
| Net interest margin | 3.0182% | 5,409 |
| Noninterest income to average assets | 0.6858% | 2,365 |
| Noninterest expense to average assets | 2.4151% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5174% | 4,742 |
| Return on assets (ROA) | 0.5196% | 4,819 |
| Pretax return on assets | 0.5196% | 5,199 |
| Return on Equity (ROE) | 5.1419% | 4,588 |
| Retained earnings to average equity (ytd only) | 5.1419% | 2,504 |
| Net charge-offs to loans | -0.2843% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3574% | 1,619 |
| Assets per employee ($millions) | 8.1813% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6646% | 445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 19.6113% | 10 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.8165% | 5,173 |
| Net loans and leases to deposits | 59.0183% | 4,981 |
| Net loans and leases to core deposits | 73.6093% | 3,953 |
| Total domestic deposits to total assets | 81.0198% | 4,744 |
| Equity capital to assets | 10.8163% | 3,105 |
| Core capital (leverage) ratio | 10.8622% | 2,541 |
| Tier 1 risk-based capital ratio | 16.0715% | 2,929 |
| Total risk-based capital ratio | 20.6600% | 1,714 |
| Memoranda: | ||
| Average total assets | $90,846,800 | 4,819 |
| Average earning assets | $67,622,000 | 5,184 |
| Average equity | $9,179,400 | 4,927 |
| Average total loans | $44,321,000 | 5,024 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 3,303 |
| Cost of funding earning assets | 1.0459% | 196 |
| Net interest margin | 3.0724% | 5,329 |
| Noninterest income to average assets | 0.6765% | 2,447 |
| Noninterest expense to average assets | 2.3705% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5813% | 4,533 |
| Return on assets (ROA) | 0.5813% | 4,618 |
| Pretax return on assets | 0.5813% | 5,082 |
| Return on Equity (ROE) | 5.8548% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.8548% | 2,499 |
| Net charge-offs to loans | -0.3788% | 6,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3075% | 1,869 |
| Assets per employee ($millions) | 9.0798% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6450% | 532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 22.0302% | 9 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 47.7533% | 5,230 |
| Net loans and leases to deposits | 58.7043% | 5,047 |
| Net loans and leases to core deposits | 73.4923% | 3,995 |
| Total domestic deposits to total assets | 81.3454% | 4,717 |
| Equity capital to assets | 10.4099% | 3,670 |
| Core capital (leverage) ratio | 10.6026% | 2,920 |
| Tier 1 risk-based capital ratio | 15.6700% | 3,231 |
| Total risk-based capital ratio | 20.2003% | 1,885 |
| Memoranda: | ||
| Average total assets | $91,060,000 | 4,866 |
| Average earning assets | $67,437,000 | 5,242 |
| Average equity | $9,040,750 | 5,001 |
| Average total loans | $44,348,750 | 5,078 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 3,190 |
| Cost of funding earning assets | 1.0595% | 186 |
| Net interest margin | 3.0800% | 5,316 |
| Noninterest income to average assets | 0.6978% | 2,291 |
| Noninterest expense to average assets | 2.3830% | 4,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5793% | 4,457 |
| Return on assets (ROA) | 0.5793% | 4,555 |
| Pretax return on assets | 0.5793% | 5,022 |
| Return on Equity (ROE) | 5.9301% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.9301% | 2,362 |
| Net charge-offs to loans | -0.5690% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4444% | 1,952 |
| Assets per employee ($millions) | 9.0494% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6625% | 559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 23.3861% | 8 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 47.5899% | 5,208 |
| Net loans and leases to deposits | 58.3376% | 5,007 |
| Net loans and leases to core deposits | 70.8975% | 4,161 |
| Total domestic deposits to total assets | 81.5767% | 4,791 |
| Equity capital to assets | 10.2405% | 3,772 |
| Core capital (leverage) ratio | 10.3170% | 3,188 |
| Tier 1 risk-based capital ratio | 15.2533% | 3,493 |
| Total risk-based capital ratio | 19.7413% | 2,025 |
| Memoranda: | ||
| Average total assets | $91,147,330 | 4,903 |
| Average earning assets | $67,012,330 | 5,300 |
| Average equity | $8,903,670 | 5,053 |
| Average total loans | $44,286,000 | 5,115 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 3,343 |
| Cost of funding earning assets | 1.0706% | 190 |
| Net interest margin | 3.0155% | 5,486 |
| Noninterest income to average assets | 0.5772% | 2,872 |
| Noninterest expense to average assets | 2.4357% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3586% | 5,280 |
| Return on assets (ROA) | 0.3586% | 5,341 |
| Pretax return on assets | 0.3586% | 5,571 |
| Return on Equity (ROE) | 3.7606% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.7606% | 3,871 |
| Net charge-offs to loans | -0.0090% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1674% | 1,325 |
| Assets per employee ($millions) | 10.4458% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4155% | 896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 22.9428% | 9 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.2495% | 5,404 |
| Net loans and leases to deposits | 55.3380% | 5,171 |
| Net loans and leases to core deposits | 65.9699% | 4,489 |
| Total domestic deposits to total assets | 81.7693% | 5,010 |
| Equity capital to assets | 9.4201% | 4,598 |
| Core capital (leverage) ratio | 10.2271% | 3,253 |
| Tier 1 risk-based capital ratio | 14.7891% | 3,823 |
| Total risk-based capital ratio | 19.2372% | 2,281 |
| Memoranda: | ||
| Average total assets | $91,474,000 | 4,926 |
| Average earning assets | $67,252,000 | 5,343 |
| Average equity | $8,722,000 | 5,125 |
| Average total loans | $44,307,000 | 5,153 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 3,460 |
| Cost of funding earning assets | 1.1897% | 190 |
| Net interest margin | 2.9795% | 5,624 |
| Noninterest income to average assets | 0.1863% | 5,976 |
| Noninterest expense to average assets | 2.2365% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1408% | 5,956 |
| Return on assets (ROA) | 0.1752% | 5,950 |
| Pretax return on assets | 0.1752% | 5,983 |
| Return on Equity (ROE) | 1.7880% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.7880% | 4,959 |
| Net charge-offs to loans | 0.8740% | 702 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.3083% | 4,981 |
| Efficiency ratio | 94.0765% | 746 |
| Assets per employee ($millions) | 8.8936% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 1,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 24.5806% | 7 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 49.4389% | 5,143 |
| Net loans and leases to deposits | 60.9614% | 4,836 |
| Net loans and leases to core deposits | 70.5672% | 4,235 |
| Total domestic deposits to total assets | 81.0988% | 5,140 |
| Equity capital to assets | 9.6564% | 4,212 |
| Core capital (leverage) ratio | 10.2428% | 3,224 |
| Tier 1 risk-based capital ratio | 14.6250% | 3,886 |
| Total risk-based capital ratio | 19.0662% | 2,273 |
| Memoranda: | ||
| Average total assets | $90,186,000 | 4,977 |
| Average earning assets | $66,320,800 | 5,398 |
| Average equity | $8,836,800 | 5,127 |
| Average total loans | $47,140,000 | 5,061 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 3,573 |
| Cost of funding earning assets | 1.2109% | 189 |
| Net interest margin | 2.9373% | 5,721 |
| Noninterest income to average assets | 0.1871% | 6,073 |
| Noninterest expense to average assets | 2.2453% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1075% | 6,122 |
| Return on assets (ROA) | 0.1532% | 6,098 |
| Pretax return on assets | 0.1532% | 6,126 |
| Return on Equity (ROE) | 1.5582% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.5582% | 5,349 |
| Net charge-offs to loans | 0.7999% | 734 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.2552% | 4,779 |
| Efficiency ratio | 95.4289% | 651 |
| Assets per employee ($millions) | 8.1990% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5178% | 913 |
| Loan loss allowance to noncurrent loans | 494.9580% | 894 |
| Noncurrent assets plus other real estate owned to assets | 24.2058% | 7 |
| Noncurrent loans to loans | 0.5087% | 4,919 |
| Net loans and leases to total assets | 50.5694% | 5,068 |
| Net loans and leases to deposits | 62.2677% | 4,722 |
| Net loans and leases to core deposits | 72.7145% | 4,002 |
| Total domestic deposits to total assets | 81.2128% | 5,164 |
| Equity capital to assets | 9.5511% | 4,485 |
| Core capital (leverage) ratio | 10.0713% | 3,568 |
| Tier 1 risk-based capital ratio | 14.1948% | 4,287 |
| Total risk-based capital ratio | 18.5620% | 2,549 |
| Memoranda: | ||
| Average total assets | $90,498,500 | 5,024 |
| Average earning assets | $66,727,250 | 5,436 |
| Average equity | $8,899,000 | 5,162 |
| Average total loans | $47,669,750 | 5,087 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 3,835 |
| Cost of funding earning assets | 1.2262% | 195 |
| Net interest margin | 2.8472% | 5,906 |
| Noninterest income to average assets | 0.2119% | 5,925 |
| Noninterest expense to average assets | 2.2097% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1038% | 6,124 |
| Return on assets (ROA) | 0.1700% | 6,091 |
| Pretax return on assets | 0.1700% | 6,127 |
| Return on Equity (ROE) | 1.7123% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.7123% | 5,155 |
| Net charge-offs to loans | 1.1717% | 498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.1673% | 4,490 |
| Efficiency ratio | 95.5153% | 681 |
| Assets per employee ($millions) | 9.2448% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 1,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 23.7344% | 11 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 51.1195% | 4,985 |
| Net loans and leases to deposits | 62.5524% | 4,676 |
| Net loans and leases to core deposits | 72.5610% | 3,982 |
| Total domestic deposits to total assets | 81.7227% | 5,139 |
| Equity capital to assets | 9.2820% | 4,883 |
| Core capital (leverage) ratio | 10.0571% | 3,438 |
| Tier 1 risk-based capital ratio | 13.6428% | 4,680 |
| Total risk-based capital ratio | 17.8971% | 2,835 |
| Memoranda: | ||
| Average total assets | $90,601,670 | 5,048 |
| Average earning assets | $66,873,000 | 5,474 |
| Average equity | $8,994,000 | 5,171 |
| Average total loans | $47,964,330 | 5,103 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 3,931 |
| Cost of funding earning assets | 1.2542% | 188 |
| Net interest margin | 2.7918% | 6,048 |
| Noninterest income to average assets | 0.1561% | 6,326 |
| Noninterest expense to average assets | 2.2123% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0089% | 6,329 |
| Return on assets (ROA) | 0.1160% | 6,214 |
| Pretax return on assets | 0.1160% | 6,228 |
| Return on Equity (ROE) | 1.1304% | 6,187 |
| Retained earnings to average equity (ytd only) | 1.1304% | 5,398 |
| Net charge-offs to loans | 1.8606% | 254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0090% | 3,828 |
| Efficiency ratio | 99.5984% | 562 |
| Assets per employee ($millions) | 8.3561% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6409% | 977 |
| Loan loss allowance to noncurrent loans | 325.9843% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 23.5669% | 12 |
| Noncurrent loans to loans | 0.8101% | 4,505 |
| Net loans and leases to total assets | 49.8145% | 5,019 |
| Net loans and leases to deposits | 61.4645% | 4,621 |
| Net loans and leases to core deposits | 70.1528% | 4,060 |
| Total domestic deposits to total assets | 81.0459% | 5,481 |
| Equity capital to assets | 9.9372% | 4,228 |
| Core capital (leverage) ratio | 10.2580% | 3,066 |
| Tier 1 risk-based capital ratio | 13.7219% | 4,704 |
| Total risk-based capital ratio | 18.0113% | 2,845 |
| Memoranda: | ||
| Average total assets | $89,678,500 | 5,105 |
| Average earning assets | $66,337,000 | 5,536 |
| Average equity | $9,200,500 | 5,181 |
| Average total loans | $47,725,500 | 5,139 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 4,479 |
| Cost of funding earning assets | 1.4752% | 187 |
| Net interest margin | 2.7542% | 6,441 |
| Noninterest income to average assets | 0.0895% | 6,546 |
| Noninterest expense to average assets | 2.3973% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1126% | 6,292 |
| Return on assets (ROA) | 0.1790% | 5,996 |
| Pretax return on assets | 0.1848% | 6,012 |
| Return on Equity (ROE) | 1.6929% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.6929% | 5,010 |
| Net charge-offs to loans | 3.1428% | 147 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0571% | 5,517 |
| Efficiency ratio | 105.0805% | 420 |
| Assets per employee ($millions) | 7.9491% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0235% | 645 |
| Loan loss allowance to noncurrent loans | 129.4430% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 25.2390% | 12 |
| Noncurrent loans to loans | 2.3358% | 2,301 |
| Net loans and leases to total assets | 53.7020% | 4,659 |
| Net loans and leases to deposits | 67.1543% | 4,111 |
| Net loans and leases to core deposits | 73.6997% | 3,820 |
| Total domestic deposits to total assets | 79.9680% | 5,676 |
| Equity capital to assets | 10.5981% | 3,398 |
| Core capital (leverage) ratio | 10.3208% | 2,988 |
| Tier 1 risk-based capital ratio | 13.7244% | 4,585 |
| Total risk-based capital ratio | 18.0275% | 2,719 |
| Memoranda: | ||
| Average total assets | $87,139,000 | 5,160 |
| Average earning assets | $69,348,200 | 5,453 |
| Average equity | $9,215,000 | 5,168 |
| Average total loans | $56,255,600 | 4,856 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 4,692 |
| Cost of funding earning assets | 1.5195% | 185 |
| Net interest margin | 2.7143% | 6,625 |
| Noninterest income to average assets | -0.0245% | 6,977 |
| Noninterest expense to average assets | 2.4656% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2675% | 6,547 |
| Return on assets (ROA) | 0.1057% | 6,262 |
| Pretax return on assets | 0.1133% | 6,252 |
| Return on Equity (ROE) | 0.9998% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.9998% | 5,772 |
| Net charge-offs to loans | -0.0160% | 6,453 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2208% | 251 |
| Assets per employee ($millions) | 7.1768% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6130% | 96 |
| Loan loss allowance to noncurrent loans | 47.2985% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 22.9363% | 21 |
| Noncurrent loans to loans | 11.8673% | 172 |
| Net loans and leases to total assets | 63.2436% | 3,169 |
| Net loans and leases to deposits | 79.6263% | 2,454 |
| Net loans and leases to core deposits | 89.9061% | 1,991 |
| Total domestic deposits to total assets | 79.4255% | 5,776 |
| Equity capital to assets | 10.7639% | 3,538 |
| Core capital (leverage) ratio | 10.4162% | 3,017 |
| Tier 1 risk-based capital ratio | 13.7762% | 4,702 |
| Total risk-based capital ratio | 16.9231% | 3,407 |
| Memoranda: | ||
| Average total assets | $87,063,750 | 5,208 |
| Average earning assets | $70,637,250 | 5,469 |
| Average equity | $9,202,000 | 5,214 |
| Average total loans | $58,214,250 | 4,833 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 4,785 |
| Cost of funding earning assets | 1.6263% | 139 |
| Net interest margin | 2.6180% | 6,805 |
| Noninterest income to average assets | 0.2152% | 6,026 |
| Noninterest expense to average assets | 2.3622% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0315% | 6,361 |
| Return on assets (ROA) | 0.5562% | 4,835 |
| Pretax return on assets | 0.5676% | 5,252 |
| Return on Equity (ROE) | 5.2945% | 4,668 |
| Retained earnings to average equity (ytd only) | 5.2945% | 3,097 |
| Net charge-offs to loans | -0.0137% | 6,349 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3752% | 512 |
| Assets per employee ($millions) | 7.8424% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5189% | 106 |
| Loan loss allowance to noncurrent loans | 47.1171% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 23.8483% | 17 |
| Noncurrent loans to loans | 11.7131% | 182 |
| Net loans and leases to total assets | 64.2188% | 2,987 |
| Net loans and leases to deposits | 80.6648% | 2,284 |
| Net loans and leases to core deposits | 89.4557% | 2,037 |
| Total domestic deposits to total assets | 79.6119% | 5,835 |
| Equity capital to assets | 10.7794% | 3,364 |
| Core capital (leverage) ratio | 10.3870% | 2,934 |
| Tier 1 risk-based capital ratio | 13.4726% | 4,852 |
| Total risk-based capital ratio | 16.5419% | 3,538 |
| Memoranda: | ||
| Average total assets | $87,378,000 | 5,244 |
| Average earning assets | $70,588,330 | 5,504 |
| Average equity | $9,179,330 | 5,225 |
| Average total loans | $58,384,000 | 4,859 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 4,647 |
| Cost of funding earning assets | 1.7991% | 86 |
| Net interest margin | 2.5232% | 6,938 |
| Noninterest income to average assets | -0.0773% | 7,157 |
| Noninterest expense to average assets | 2.4791% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5504% | 6,853 |
| Return on assets (ROA) | -0.5231% | 6,870 |
| Pretax return on assets | -0.5004% | 6,828 |
| Return on Equity (ROE) | -5.0441% | 6,851 |
| Retained earnings to average equity (ytd only) | -5.0441% | 6,583 |
| Net charge-offs to loans | -0.0137% | 6,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0396% | 175 |
| Assets per employee ($millions) | 7.9540% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6972% | 97 |
| Loan loss allowance to noncurrent loans | 47.0879% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 24.6348% | 19 |
| Noncurrent loans to loans | 12.0990% | 201 |
| Net loans and leases to total assets | 61.1825% | 3,415 |
| Net loans and leases to deposits | 79.9245% | 2,211 |
| Net loans and leases to core deposits | 90.7059% | 1,781 |
| Total domestic deposits to total assets | 76.5504% | 6,482 |
| Equity capital to assets | 10.3584% | 3,661 |
| Core capital (leverage) ratio | 9.9255% | 3,459 |
| Tier 1 risk-based capital ratio | 12.8043% | 5,357 |
| Total risk-based capital ratio | 15.8532% | 3,976 |
| Memoranda: | ||
| Average total assets | $87,934,000 | 5,273 |
| Average earning assets | $70,703,000 | 5,537 |
| Average equity | $9,119,500 | 5,254 |
| Average total loans | $58,258,500 | 4,893 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 4,862 |
| Cost of funding earning assets | 1.7926% | 218 |
| Net interest margin | 2.7614% | 6,871 |
| Noninterest income to average assets | -0.1546% | 7,135 |
| Noninterest expense to average assets | 2.4360% | 5,678 |
| Loan and lease loss provision to assets | 1.4218% | 540 |
| Net operating income to assets | -1.6640% | 6,949 |
| Return on assets (ROA) | -1.2067% | 6,847 |
| Pretax return on assets | -1.2067% | 6,816 |
| Return on Equity (ROE) | -11.2670% | 6,771 |
| Retained earnings to average equity (ytd only) | -11.2670% | 6,740 |
| Net charge-offs to loans | 1.9274% | 737 |
| Credit loss provision to net charge-offs | 109.6747% | 3,056 |
| Earnings coverage of net charge-offs (x) | -0.1868% | 5,948 |
| Efficiency ratio | 111.0399% | 415 |
| Assets per employee ($millions) | 7.3645% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4090% | 136 |
| Loan loss allowance to noncurrent loans | 47.0588% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 24.6860% | 22 |
| Noncurrent loans to loans | 11.4942% | 242 |
| Net loans and leases to total assets | 63.9555% | 3,201 |
| Net loans and leases to deposits | 84.1798% | 1,900 |
| Net loans and leases to core deposits | 94.8354% | 1,608 |
| Total domestic deposits to total assets | 75.9748% | 6,488 |
| Equity capital to assets | 10.3831% | 3,680 |
| Core capital (leverage) ratio | 9.8555% | 3,511 |
| Tier 1 risk-based capital ratio | 12.5325% | 5,421 |
| Total risk-based capital ratio | 16.0854% | 3,712 |
| Memoranda: | ||
| Average total assets | $92,487,000 | 5,114 |
| Average earning assets | $78,657,000 | 5,276 |
| Average equity | $9,905,000 | 5,049 |
| Average total loans | $62,208,000 | 4,787 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 5,219 |
| Cost of funding earning assets | 1.7753% | 288 |
| Net interest margin | 2.7398% | 6,956 |
| Noninterest income to average assets | 0.0200% | 7,046 |
| Noninterest expense to average assets | 2.2997% | 6,039 |
| Loan and lease loss provision to assets | 0.2139% | 3,884 |
| Net operating income to assets | -0.1326% | 6,316 |
| Return on assets (ROA) | 0.2595% | 5,691 |
| Pretax return on assets | 0.2595% | 5,788 |
| Return on Equity (ROE) | 2.4056% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.4056% | 4,918 |
| Net charge-offs to loans | 1.7807% | 755 |
| Credit loss provision to net charge-offs | 17.8784% | 5,589 |
| Earnings coverage of net charge-offs (x) | 0.0679% | 5,552 |
| Efficiency ratio | 96.5868% | 787 |
| Assets per employee ($millions) | 7.0683% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9792% | 397 |
| Loan loss allowance to noncurrent loans | 107.5321% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 16.9511% | 90 |
| Noncurrent loans to loans | 3.7005% | 1,842 |
| Net loans and leases to total assets | 63.7352% | 3,361 |
| Net loans and leases to deposits | 84.8412% | 1,868 |
| Net loans and leases to core deposits | 95.4309% | 1,656 |
| Total domestic deposits to total assets | 75.1230% | 6,628 |
| Equity capital to assets | 11.5630% | 2,633 |
| Core capital (leverage) ratio | 10.9024% | 2,474 |
| Tier 1 risk-based capital ratio | 14.2617% | 4,152 |
| Total risk-based capital ratio | 17.7822% | 2,809 |
| Memoranda: | ||
| Average total assets | $93,515,250 | 5,120 |
| Average earning assets | $80,587,000 | 5,257 |
| Average equity | $10,087,250 | 5,015 |
| Average total loans | $62,822,000 | 4,800 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 5,403 |
| Cost of funding earning assets | 1.7591% | 365 |
| Net interest margin | 2.7251% | 7,003 |
| Noninterest income to average assets | 0.2063% | 6,187 |
| Noninterest expense to average assets | 2.2050% | 6,372 |
| Loan and lease loss provision to assets | 0.1063% | 4,976 |
| Net operating income to assets | 0.2764% | 5,461 |
| Return on assets (ROA) | 0.4231% | 4,993 |
| Pretax return on assets | 0.4231% | 5,329 |
| Return on Equity (ROE) | 4.0170% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.0170% | 3,643 |
| Net charge-offs to loans | 0.6054% | 2,312 |
| Credit loss provision to net charge-offs | 26.0417% | 5,044 |
| Earnings coverage of net charge-offs (x) | 0.9375% | 4,602 |
| Efficiency ratio | 85.2095% | 1,681 |
| Assets per employee ($millions) | 7.2224% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5582% | 266 |
| Loan loss allowance to noncurrent loans | 74.9685% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 13.4454% | 193 |
| Noncurrent loans to loans | 6.0802% | 969 |
| Net loans and leases to total assets | 66.3227% | 2,966 |
| Net loans and leases to deposits | 87.4802% | 1,580 |
| Net loans and leases to core deposits | 97.3365% | 1,551 |
| Total domestic deposits to total assets | 75.8145% | 6,626 |
| Equity capital to assets | 11.2322% | 2,739 |
| Core capital (leverage) ratio | 10.6684% | 2,551 |
| Tier 1 risk-based capital ratio | 14.1937% | 4,020 |
| Total risk-based capital ratio | 17.7094% | 2,726 |
| Memoranda: | ||
| Average total assets | $94,057,670 | 5,137 |
| Average earning assets | $82,199,330 | 5,256 |
| Average equity | $9,908,000 | 5,072 |
| Average total loans | $63,432,000 | 4,815 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 5,502 |
| Cost of funding earning assets | 1.8049% | 371 |
| Net interest margin | 2.6487% | 7,078 |
| Noninterest income to average assets | 0.1190% | 6,817 |
| Noninterest expense to average assets | 2.1670% | 6,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2592% | 5,585 |
| Return on assets (ROA) | 0.2592% | 5,647 |
| Pretax return on assets | 0.2592% | 5,782 |
| Return on Equity (ROE) | 2.5446% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.5446% | 4,637 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3170% | 1,392 |
| Assets per employee ($millions) | 7.1373% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0038% | 191 |
| Loan loss allowance to noncurrent loans | 185.1456% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 11.6754% | 290 |
| Noncurrent loans to loans | 2.7026% | 2,791 |
| Net loans and leases to total assets | 63.7571% | 3,483 |
| Net loans and leases to deposits | 83.8108% | 2,061 |
| Net loans and leases to core deposits | 96.1856% | 1,659 |
| Total domestic deposits to total assets | 76.0726% | 6,661 |
| Equity capital to assets | 10.9641% | 2,724 |
| Core capital (leverage) ratio | 10.6823% | 2,445 |
| Tier 1 risk-based capital ratio | 14.4631% | 3,764 |
| Total risk-based capital ratio | 18.0644% | 2,509 |
| Memoranda: | ||
| Average total assets | $94,141,000 | 5,166 |
| Average earning assets | $82,001,000 | 5,301 |
| Average equity | $9,589,000 | 5,149 |
| Average total loans | $62,525,500 | 4,884 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 6,566 |
| Cost of funding earning assets | 2.2374% | 268 |
| Net interest margin | 2.1894% | 7,399 |
| Noninterest income to average assets | -0.5750% | 7,580 |
| Noninterest expense to average assets | 2.2902% | 6,388 |
| Loan and lease loss provision to assets | 1.0250% | 1,579 |
| Net operating income to assets | -1.9758% | 7,048 |
| Return on assets (ROA) | -1.7162% | 6,998 |
| Pretax return on assets | -1.7162% | 6,930 |
| Return on Equity (ROE) | -17.0885% | 6,975 |
| Retained earnings to average equity (ytd only) | -17.0885% | 6,943 |
| Net charge-offs to loans | 2.8274% | 618 |
| Credit loss provision to net charge-offs | 54.1237% | 6,196 |
| Earnings coverage of net charge-offs (x) | -0.5021% | 6,456 |
| Efficiency ratio | 170.9913% | 136 |
| Assets per employee ($millions) | 7.3459% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9635% | 197 |
| Loan loss allowance to noncurrent loans | 155.8779% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 12.0695% | 275 |
| Noncurrent loans to loans | 3.1842% | 2,391 |
| Net loans and leases to total assets | 62.4753% | 4,176 |
| Net loans and leases to deposits | 80.2070% | 3,134 |
| Net loans and leases to core deposits | 95.6674% | 2,050 |
| Total domestic deposits to total assets | 77.8925% | 6,338 |
| Equity capital to assets | 9.4296% | 4,501 |
| Core capital (leverage) ratio | 9.5235% | 3,680 |
| Tier 1 risk-based capital ratio | 12.5393% | 4,990 |
| Total risk-based capital ratio | 16.6490% | 3,006 |
| Memoranda: | ||
| Average total assets | $102,437,000 | 4,914 |
| Average earning assets | $89,568,800 | 5,032 |
| Average equity | $10,287,600 | 5,044 |
| Average total loans | $68,613,400 | 4,733 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 6,624 |
| Cost of funding earning assets | 2.3163% | 257 |
| Net interest margin | 2.1745% | 7,519 |
| Noninterest income to average assets | -0.1037% | 7,542 |
| Noninterest expense to average assets | 2.4037% | 6,028 |
| Loan and lease loss provision to assets | 1.3439% | 1,019 |
| Net operating income to assets | -1.9480% | 7,226 |
| Return on assets (ROA) | -1.6076% | 7,145 |
| Pretax return on assets | -1.6076% | 7,076 |
| Return on Equity (ROE) | -15.7860% | 7,131 |
| Retained earnings to average equity (ytd only) | -15.7860% | 7,104 |
| Net charge-offs to loans | 3.0159% | 509 |
| Credit loss provision to net charge-offs | 66.2461% | 5,528 |
| Earnings coverage of net charge-offs (x) | -0.2978% | 6,246 |
| Efficiency ratio | 133.5704% | 275 |
| Assets per employee ($millions) | 7.9060% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4923% | 131 |
| Loan loss allowance to noncurrent loans | 241.0417% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 12.1732% | 262 |
| Noncurrent loans to loans | 2.2786% | 3,353 |
| Net loans and leases to total assets | 62.9543% | 4,339 |
| Net loans and leases to deposits | 81.9703% | 3,114 |
| Net loans and leases to core deposits | 104.2266% | 1,459 |
| Total domestic deposits to total assets | 76.8014% | 6,529 |
| Equity capital to assets | 10.2243% | 3,846 |
| Core capital (leverage) ratio | 9.4538% | 3,975 |
| Tier 1 risk-based capital ratio | 13.4896% | 4,216 |
| Total risk-based capital ratio | 17.6301% | 2,553 |
| Memoranda: | ||
| Average total assets | $104,172,000 | 4,930 |
| Average earning assets | $91,177,250 | 5,037 |
| Average equity | $10,608,250 | 5,022 |
| Average total loans | $70,072,250 | 4,756 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 6,466 |
| Cost of funding earning assets | 2.3537% | 284 |
| Net interest margin | 2.2434% | 7,557 |
| Noninterest income to average assets | -0.1827% | 7,675 |
| Noninterest expense to average assets | 2.2690% | 6,441 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.4810% | 6,633 |
| Return on assets (ROA) | 0.0336% | 6,122 |
| Pretax return on assets | 0.0336% | 6,096 |
| Return on Equity (ROE) | 0.3299% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.3299% | 5,628 |
| Net charge-offs to loans | 4.3972% | 264 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.1622% | 5,850 |
| Efficiency ratio | 126.9030% | 341 |
| Assets per employee ($millions) | 9.4498% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5989% | 512 |
| Loan loss allowance to noncurrent loans | 167.7083% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 11.6674% | 286 |
| Noncurrent loans to loans | 2.1460% | 3,533 |
| Net loans and leases to total assets | 62.2311% | 4,637 |
| Net loans and leases to deposits | 82.2124% | 3,235 |
| Net loans and leases to core deposits | 108.3315% | 1,278 |
| Total domestic deposits to total assets | 75.6955% | 6,749 |
| Equity capital to assets | 10.5524% | 3,344 |
| Core capital (leverage) ratio | 10.0154% | 3,147 |
| Tier 1 risk-based capital ratio | 13.8008% | 3,879 |
| Total risk-based capital ratio | 17.6391% | 2,462 |
| Memoranda: | ||
| Average total assets | $107,272,000 | 4,882 |
| Average earning assets | $94,234,000 | 4,982 |
| Average equity | $10,911,000 | 4,942 |
| Average total loans | $72,364,000 | 4,699 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 6,878 |
| Cost of funding earning assets | 2.3804% | 323 |
| Net interest margin | 2.0813% | 7,693 |
| Noninterest income to average assets | -0.1028% | 7,758 |
| Noninterest expense to average assets | 2.1040% | 6,931 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3672% | 6,735 |
| Return on assets (ROA) | -0.0734% | 6,480 |
| Pretax return on assets | -0.0734% | 6,431 |
| Return on Equity (ROE) | -0.7352% | 6,492 |
| Retained earnings to average equity (ytd only) | -0.7352% | 6,002 |
| Net charge-offs to loans | 0.2720% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.9608% | 5,469 |
| Efficiency ratio | 121.1416% | 431 |
| Assets per employee ($millions) | 7.5946% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3682% | 138 |
| Loan loss allowance to noncurrent loans | 63.9864% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 15.7763% | 120 |
| Noncurrent loans to loans | 8.3895% | 628 |
| Net loans and leases to total assets | 65.5732% | 3,962 |
| Net loans and leases to deposits | 85.9690% | 2,592 |
| Net loans and leases to core deposits | 138.6883% | 342 |
| Total domestic deposits to total assets | 76.2753% | 6,711 |
| Equity capital to assets | 10.2714% | 3,506 |
| Core capital (leverage) ratio | 9.8803% | 3,305 |
| Tier 1 risk-based capital ratio | 13.3336% | 4,101 |
| Total risk-based capital ratio | 17.1163% | 2,645 |
| Memoranda: | ||
| Average total assets | $108,934,000 | 4,900 |
| Average earning assets | $96,288,000 | 4,977 |
| Average equity | $10,882,000 | 5,010 |
| Average total loans | $74,994,500 | 4,679 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 6,516 |
| Cost of funding earning assets | 2.7144% | 560 |
| Net interest margin | 2.2590% | 7,614 |
| Noninterest income to average assets | -0.8066% | 7,976 |
| Noninterest expense to average assets | 2.2458% | 6,880 |
| Loan and lease loss provision to assets | 4.6071% | 249 |
| Net operating income to assets | -5.5547% | 7,801 |
| Return on assets (ROA) | -5.2598% | 7,767 |
| Pretax return on assets | -5.3033% | 7,741 |
| Return on Equity (ROE) | -47.0080% | 7,654 |
| Retained earnings to average equity (ytd only) | -47.0080% | 7,642 |
| Net charge-offs to loans | 3.5661% | 539 |
| Credit loss provision to net charge-offs | 183.6558% | 2,232 |
| Earnings coverage of net charge-offs (x) | -0.3963% | 6,625 |
| Efficiency ratio | 179.4118% | 187 |
| Assets per employee ($millions) | 9.2953% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2494% | 147 |
| Loan loss allowance to noncurrent loans | 52.4758% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 14.6292% | 148 |
| Noncurrent loans to loans | 10.0034% | 412 |
| Net loans and leases to total assets | 64.8246% | 4,408 |
| Net loans and leases to deposits | 83.7218% | 3,328 |
| Net loans and leases to core deposits | 202.9983% | 95 |
| Total domestic deposits to total assets | 77.4286% | 6,363 |
| Equity capital to assets | 9.7208% | 4,120 |
| Core capital (leverage) ratio | 9.2728% | 4,017 |
| Tier 1 risk-based capital ratio | 12.8013% | 4,286 |
| Total risk-based capital ratio | 16.4896% | 2,789 |
| Memoranda: | ||
| Average total assets | $119,510,200 | 4,580 |
| Average earning assets | $108,899,000 | 4,597 |
| Average equity | $13,372,200 | 4,411 |
| Average total loans | $84,068,400 | 4,382 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1784% | 5,968 |
| Cost of funding earning assets | 2.7631% | 658 |
| Net interest margin | 2.4153% | 7,551 |
| Noninterest income to average assets | -1.0677% | 8,076 |
| Noninterest expense to average assets | 2.2419% | 6,867 |
| Loan and lease loss provision to assets | 5.4220% | 143 |
| Net operating income to assets | -6.3675% | 7,944 |
| Return on assets (ROA) | -6.2944% | 7,939 |
| Pretax return on assets | -6.4469% | 7,933 |
| Return on Equity (ROE) | -54.6097% | 7,866 |
| Retained earnings to average equity (ytd only) | -54.6097% | 7,860 |
| Net charge-offs to loans | 0.6464% | 2,746 |
| Credit loss provision to net charge-offs | 1,184.8921% | 321 |
| Earnings coverage of net charge-offs (x) | -2.4029% | 6,773 |
| Efficiency ratio | 196.2536% | 163 |
| Assets per employee ($millions) | 8.2966% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2700% | 41 |
| Loan loss allowance to noncurrent loans | 79.6034% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 12.1496% | 218 |
| Noncurrent loans to loans | 9.1328% | 485 |
| Net loans and leases to total assets | 66.1297% | 4,401 |
| Net loans and leases to deposits | 83.8072% | 3,680 |
| Net loans and leases to core deposits | 186.2627% | 151 |
| Total domestic deposits to total assets | 78.9069% | 5,836 |
| Equity capital to assets | 8.5629% | 6,168 |
| Core capital (leverage) ratio | 7.9070% | 6,494 |
| Tier 1 risk-based capital ratio | 10.8432% | 6,111 |
| Total risk-based capital ratio | 14.4576% | 3,989 |
| Memoranda: | ||
| Average total assets | $121,501,750 | 4,558 |
| Average earning assets | $111,177,000 | 4,550 |
| Average equity | $14,004,500 | 4,296 |
| Average total loans | $86,007,000 | 4,366 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 5,958 |
| Cost of funding earning assets | 2.8319% | 725 |
| Net interest margin | 2.3981% | 7,575 |
| Noninterest income to average assets | 0.0292% | 7,840 |
| Noninterest expense to average assets | 2.1495% | 7,173 |
| Loan and lease loss provision to assets | 0.4802% | 3,126 |
| Net operating income to assets | -0.1866% | 6,165 |
| Return on assets (ROA) | -0.1866% | 6,191 |
| Pretax return on assets | -0.4121% | 6,339 |
| Return on Equity (ROE) | -1.4977% | 6,148 |
| Retained earnings to average equity (ytd only) | -1.4977% | 5,614 |
| Net charge-offs to loans | 0.6225% | 2,476 |
| Credit loss provision to net charge-offs | 109.2251% | 4,232 |
| Earnings coverage of net charge-offs (x) | 0.1550% | 5,514 |
| Efficiency ratio | 96.9276% | 1,314 |
| Assets per employee ($millions) | 7.6382% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 2,079 |
| Loan loss allowance to noncurrent loans | 23.8192% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 11.2838% | 218 |
| Noncurrent loans to loans | 7.5114% | 619 |
| Net loans and leases to total assets | 68.4071% | 4,084 |
| Net loans and leases to deposits | 90.5527% | 2,740 |
| Net loans and leases to core deposits | 178.3869% | 235 |
| Total domestic deposits to total assets | 75.5439% | 6,648 |
| Equity capital to assets | 12.4981% | 1,922 |
| Core capital (leverage) ratio | 12.1343% | 1,779 |
| Tier 1 risk-based capital ratio | 15.6979% | 2,730 |
| Total risk-based capital ratio | 19.0514% | 2,016 |
| Memoranda: | ||
| Average total assets | $123,285,000 | 4,550 |
| Average earning assets | $112,504,330 | 4,553 |
| Average equity | $15,357,330 | 4,048 |
| Average total loans | $87,065,000 | 4,361 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 5,832 |
| Cost of funding earning assets | 2.9260% | 726 |
| Net interest margin | 2.3882% | 7,633 |
| Noninterest income to average assets | 0.0258% | 7,951 |
| Noninterest expense to average assets | 2.0384% | 7,257 |
| Loan and lease loss provision to assets | 0.1292% | 5,302 |
| Net operating income to assets | 0.0678% | 6,073 |
| Return on assets (ROA) | 0.0678% | 6,231 |
| Pretax return on assets | 0.0388% | 6,302 |
| Return on Equity (ROE) | 0.5455% | 6,265 |
| Retained earnings to average equity (ytd only) | 0.5455% | 5,438 |
| Net charge-offs to loans | 0.1181% | 4,027 |
| Credit loss provision to net charge-offs | 153.8462% | 2,714 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,720 |
| Efficiency ratio | 92.3865% | 1,542 |
| Assets per employee ($millions) | 7.8834% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 2,159 |
| Loan loss allowance to noncurrent loans | 32.2870% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 9.5707% | 247 |
| Noncurrent loans to loans | 5.2562% | 1,012 |
| Net loans and leases to total assets | 69.4359% | 3,812 |
| Net loans and leases to deposits | 91.0871% | 2,757 |
| Net loans and leases to core deposits | 165.8204% | 411 |
| Total domestic deposits to total assets | 76.2302% | 6,468 |
| Equity capital to assets | 12.2171% | 2,126 |
| Core capital (leverage) ratio | 12.2542% | 1,785 |
| Tier 1 risk-based capital ratio | 15.3240% | 2,932 |
| Total risk-based capital ratio | 18.5923% | 2,179 |
| Memoranda: | ||
| Average total assets | $123,822,000 | 4,549 |
| Average earning assets | $113,056,500 | 4,557 |
| Average equity | $15,399,000 | 4,063 |
| Average total loans | $88,035,500 | 4,357 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3260% | 3,816 |
| Cost of funding earning assets | 3.5666% | 436 |
| Net interest margin | 2.7594% | 7,397 |
| Noninterest income to average assets | -0.1295% | 8,208 |
| Noninterest expense to average assets | 1.8963% | 7,619 |
| Loan and lease loss provision to assets | 0.2442% | 4,472 |
| Net operating income to assets | 0.2508% | 5,708 |
| Return on assets (ROA) | 0.2508% | 5,518 |
| Pretax return on assets | 0.2619% | 5,600 |
| Return on Equity (ROE) | 2.2313% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.2313% | 3,825 |
| Net charge-offs to loans | 1.6037% | 708 |
| Credit loss provision to net charge-offs | 20.7026% | 6,575 |
| Earnings coverage of net charge-offs (x) | 0.4291% | 5,976 |
| Efficiency ratio | 78.9344% | 2,760 |
| Assets per employee ($millions) | 7.5943% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 1,839 |
| Loan loss allowance to noncurrent loans | 70.5938% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 7.1855% | 352 |
| Noncurrent loans to loans | 2.4398% | 2,247 |
| Net loans and leases to total assets | 70.3471% | 3,938 |
| Net loans and leases to deposits | 93.3502% | 2,885 |
| Net loans and leases to core deposits | 173.1972% | 357 |
| Total domestic deposits to total assets | 75.3582% | 6,376 |
| Equity capital to assets | 12.6641% | 1,938 |
| Core capital (leverage) ratio | 12.5359% | 1,736 |
| Tier 1 risk-based capital ratio | 15.6883% | 2,786 |
| Total risk-based capital ratio | 19.0082% | 2,041 |
| Memoranda: | ||
| Average total assets | $135,155,200 | 4,181 |
| Average earning assets | $124,012,600 | 4,172 |
| Average equity | $15,193,200 | 4,103 |
| Average total loans | $99,397,200 | 3,966 |