Home > Prospect Federal Savings Bank > Performance and Condition Ratios
Prospect Federal Savings 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 | 2.6792% | 5,654 |
| Cost of funding earning assets | 0.6575% | 1,037 |
| Net interest margin | 2.0217% | 5,753 |
| Noninterest income to average assets | 0.2224% | 4,941 |
| Noninterest expense to average assets | 5.2243% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -3.1370% | 5,838 |
| Return on assets (ROA) | -3.1370% | 5,838 |
| Pretax return on assets | -3.1370% | 5,832 |
| Return on Equity (ROE) | -24.3494% | 5,827 |
| Retained earnings to average equity (ytd only) | -24.3494% | 5,766 |
| Net charge-offs to loans | -0.2630% | 5,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 250.2825% | 12 |
| Assets per employee ($millions) | 5.6005% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 822 |
| Loan loss allowance to noncurrent loans | 63.8675% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 2,202 |
| Noncurrent loans to loans | 2.9368% | 479 |
| Net loans and leases to total assets | 24.0201% | 5,700 |
| Net loans and leases to deposits | 27.7540% | 5,709 |
| Net loans and leases to core deposits | 28.7864% | 5,708 |
| Total domestic deposits to total assets | 86.5462% | 2,420 |
| Equity capital to assets | 12.6146% | 1,457 |
| Core capital (leverage) ratio | 12.5261% | 1,326 |
| Tier 1 risk-based capital ratio | 39.6279% | 228 |
| Total risk-based capital ratio | 40.8850% | 225 |
| Memoranda: | ||
| Average total assets | $237,428,000 | 2,642 |
| Average earning assets | $219,019,000 | 2,648 |
| Average equity | $30,588,000 | 2,329 |
| Average total loans | $56,267,000 | 4,393 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4303% | 5,780 |
| Cost of funding earning assets | 0.6624% | 994 |
| Net interest margin | 1.7679% | 5,834 |
| Noninterest income to average assets | 0.4513% | 3,535 |
| Noninterest expense to average assets | 2.2201% | 4,727 |
| Loan and lease loss provision to assets | 0.0416% | 3,549 |
| Net operating income to assets | -0.1861% | 5,712 |
| Return on assets (ROA) | -0.1349% | 5,708 |
| Pretax return on assets | -0.1349% | 5,702 |
| Return on Equity (ROE) | -1.0234% | 5,705 |
| Retained earnings to average equity (ytd only) | -1.0234% | 5,446 |
| Net charge-offs to loans | 0.0390% | 3,248 |
| Credit loss provision to net charge-offs | 526.3158% | 634 |
| Earnings coverage of net charge-offs (x) | -18.2632% | 4,256 |
| Efficiency ratio | 106.9595% | 147 |
| Assets per employee ($millions) | 5.7056% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 806 |
| Loan loss allowance to noncurrent loans | 53.4324% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 0.9431% | 2,015 |
| Noncurrent loans to loans | 3.5521% | 333 |
| Net loans and leases to total assets | 22.4970% | 5,779 |
| Net loans and leases to deposits | 25.9954% | 5,786 |
| Net loans and leases to core deposits | 26.8692% | 5,785 |
| Total domestic deposits to total assets | 86.5425% | 2,355 |
| Equity capital to assets | 13.1466% | 1,196 |
| Core capital (leverage) ratio | 13.2347% | 1,047 |
| Tier 1 risk-based capital ratio | 42.7783% | 192 |
| Total risk-based capital ratio | 44.0367% | 188 |
| Memoranda: | ||
| Average total assets | $240,216,600 | 2,574 |
| Average earning assets | $220,709,800 | 2,589 |
| Average equity | $31,660,000 | 2,243 |
| Average total loans | $48,733,000 | 4,608 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4116% | 5,849 |
| Cost of funding earning assets | 0.6586% | 1,013 |
| Net interest margin | 1.7530% | 5,898 |
| Noninterest income to average assets | 0.1170% | 5,653 |
| Noninterest expense to average assets | 2.1817% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.4537% | 5,846 |
| Return on assets (ROA) | -0.3855% | 5,847 |
| Pretax return on assets | -0.3855% | 5,837 |
| Return on Equity (ROE) | -2.9232% | 5,833 |
| Retained earnings to average equity (ytd only) | -2.9232% | 5,648 |
| Net charge-offs to loans | 0.0141% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -163.5142% | 3,946 |
| Efficiency ratio | 126.2600% | 67 |
| Assets per employee ($millions) | 5.6767% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8418% | 936 |
| Loan loss allowance to noncurrent loans | 50.0785% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 1,997 |
| Noncurrent loans to loans | 3.6779% | 333 |
| Net loans and leases to total assets | 21.3917% | 5,853 |
| Net loans and leases to deposits | 24.7205% | 5,863 |
| Net loans and leases to core deposits | 25.5898% | 5,865 |
| Total domestic deposits to total assets | 86.5343% | 2,110 |
| Equity capital to assets | 13.1583% | 1,411 |
| Core capital (leverage) ratio | 13.0854% | 1,158 |
| Tier 1 risk-based capital ratio | 40.9112% | 212 |
| Total risk-based capital ratio | 42.1617% | 209 |
| Memoranda: | ||
| Average total assets | $240,361,750 | 2,584 |
| Average earning assets | $220,870,750 | 2,600 |
| Average equity | $31,699,000 | 2,261 |
| Average total loans | $47,177,750 | 4,696 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3688% | 5,944 |
| Cost of funding earning assets | 0.6527% | 1,045 |
| Net interest margin | 1.7161% | 5,990 |
| Noninterest income to average assets | 0.1228% | 5,698 |
| Noninterest expense to average assets | 2.1584% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4581% | 5,913 |
| Return on assets (ROA) | -0.3543% | 5,902 |
| Pretax return on assets | -0.3543% | 5,894 |
| Return on Equity (ROE) | -2.6849% | 5,886 |
| Retained earnings to average equity (ytd only) | -2.6849% | 5,593 |
| Net charge-offs to loans | 0.0570% | 2,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -42.4615% | 3,672 |
| Efficiency ratio | 126.9400% | 73 |
| Assets per employee ($millions) | 5.6008% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 744 |
| Loan loss allowance to noncurrent loans | 49.9474% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0667% | 1,994 |
| Noncurrent loans to loans | 3.9937% | 291 |
| Net loans and leases to total assets | 19.3603% | 5,945 |
| Net loans and leases to deposits | 22.3829% | 5,957 |
| Net loans and leases to core deposits | 23.1698% | 5,959 |
| Total domestic deposits to total assets | 86.4960% | 2,171 |
| Equity capital to assets | 13.1548% | 1,416 |
| Core capital (leverage) ratio | 13.0628% | 1,121 |
| Tier 1 risk-based capital ratio | 42.9605% | 196 |
| Total risk-based capital ratio | 44.2135% | 194 |
| Memoranda: | ||
| Average total assets | $241,009,000 | 2,596 |
| Average earning assets | $221,546,330 | 2,599 |
| Average equity | $31,808,000 | 2,257 |
| Average total loans | $45,584,000 | 4,784 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3510% | 6,010 |
| Cost of funding earning assets | 0.6441% | 1,084 |
| Net interest margin | 1.7068% | 6,053 |
| Noninterest income to average assets | 0.1244% | 5,716 |
| Noninterest expense to average assets | 2.1850% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4911% | 5,960 |
| Return on assets (ROA) | -0.3783% | 5,948 |
| Pretax return on assets | -0.3783% | 5,936 |
| Return on Equity (ROE) | -2.8615% | 5,933 |
| Retained earnings to average equity (ytd only) | -2.8615% | 5,460 |
| Net charge-offs to loans | 0.0179% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -148.0000% | 3,091 |
| Efficiency ratio | 128.9912% | 74 |
| Assets per employee ($millions) | 5.5936% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 629 |
| Loan loss allowance to noncurrent loans | 44.2804% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1550% | 1,899 |
| Noncurrent loans to loans | 4.8587% | 209 |
| Net loans and leases to total assets | 18.1525% | 6,017 |
| Net loans and leases to deposits | 20.9934% | 6,021 |
| Net loans and leases to core deposits | 21.7302% | 6,023 |
| Total domestic deposits to total assets | 86.4678% | 2,464 |
| Equity capital to assets | 13.2266% | 1,305 |
| Core capital (leverage) ratio | 13.1613% | 1,100 |
| Tier 1 risk-based capital ratio | 43.6152% | 192 |
| Total risk-based capital ratio | 44.8669% | 191 |
| Memoranda: | ||
| Average total assets | $241,097,000 | 2,613 |
| Average earning assets | $221,696,500 | 2,606 |
| Average equity | $31,871,500 | 2,251 |
| Average total loans | $44,588,500 | 4,848 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2943% | 6,053 |
| Cost of funding earning assets | 0.6209% | 1,228 |
| Net interest margin | 1.6734% | 6,098 |
| Noninterest income to average assets | 0.0804% | 5,924 |
| Noninterest expense to average assets | 2.0559% | 5,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.4282% | 6,026 |
| Return on assets (ROA) | -0.3486% | 6,009 |
| Pretax return on assets | -0.3486% | 5,998 |
| Return on Equity (ROE) | -2.6216% | 5,999 |
| Retained earnings to average equity (ytd only) | -2.6216% | 5,791 |
| Net charge-offs to loans | -0.2216% | 5,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.3039% | 78 |
| Assets per employee ($millions) | 5.6203% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1591% | 630 |
| Loan loss allowance to noncurrent loans | 38.3420% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2232% | 1,768 |
| Noncurrent loans to loans | 5.6311% | 156 |
| Net loans and leases to total assets | 18.0386% | 6,080 |
| Net loans and leases to deposits | 20.8597% | 6,079 |
| Net loans and leases to core deposits | 21.5325% | 6,082 |
| Total domestic deposits to total assets | 86.4758% | 2,391 |
| Equity capital to assets | 13.2122% | 1,251 |
| Core capital (leverage) ratio | 13.2249% | 1,067 |
| Tier 1 risk-based capital ratio | 43.4209% | 190 |
| Total risk-based capital ratio | 44.6718% | 186 |
| Memoranda: | ||
| Average total assets | $243,836,200 | 2,547 |
| Average earning assets | $225,468,600 | 2,546 |
| Average equity | $32,423,000 | 2,175 |
| Average total loans | $45,129,800 | 4,828 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2677% | 6,154 |
| Cost of funding earning assets | 0.6181% | 1,297 |
| Net interest margin | 1.6496% | 6,193 |
| Noninterest income to average assets | 0.0807% | 6,014 |
| Noninterest expense to average assets | 2.0351% | 5,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.4283% | 6,123 |
| Return on assets (ROA) | -0.3263% | 6,103 |
| Pretax return on assets | -0.3263% | 6,093 |
| Return on Equity (ROE) | -2.4498% | 6,087 |
| Retained earnings to average equity (ytd only) | -2.4498% | 5,897 |
| Net charge-offs to loans | -0.3033% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6553% | 78 |
| Assets per employee ($millions) | 5.5948% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1856% | 685 |
| Loan loss allowance to noncurrent loans | 34.2077% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 1.3347% | 1,752 |
| Noncurrent loans to loans | 6.3893% | 118 |
| Net loans and leases to total assets | 17.9514% | 6,164 |
| Net loans and leases to deposits | 20.8159% | 6,174 |
| Net loans and leases to core deposits | 21.4245% | 6,174 |
| Total domestic deposits to total assets | 86.2389% | 2,421 |
| Equity capital to assets | 13.4323% | 1,262 |
| Core capital (leverage) ratio | 13.3047% | 1,097 |
| Tier 1 risk-based capital ratio | 45.4255% | 181 |
| Total risk-based capital ratio | 46.6802% | 179 |
| Memoranda: | ||
| Average total assets | $244,377,500 | 2,563 |
| Average earning assets | $226,070,250 | 2,560 |
| Average equity | $32,546,250 | 2,186 |
| Average total loans | $45,273,250 | 4,869 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2294% | 6,234 |
| Cost of funding earning assets | 0.6135% | 1,322 |
| Net interest margin | 1.6160% | 6,267 |
| Noninterest income to average assets | 0.0668% | 6,122 |
| Noninterest expense to average assets | 2.0094% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4478% | 6,174 |
| Return on assets (ROA) | -0.3297% | 6,158 |
| Pretax return on assets | -0.3297% | 6,146 |
| Return on Equity (ROE) | -2.4829% | 6,138 |
| Retained earnings to average equity (ytd only) | -2.4829% | 5,869 |
| Net charge-offs to loans | 0.6528% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.6913% | 3,810 |
| Efficiency ratio | 128.6757% | 82 |
| Assets per employee ($millions) | 5.9598% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,830 |
| Loan loss allowance to noncurrent loans | 22.6998% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 1,913 |
| Noncurrent loans to loans | 7.1580% | 113 |
| Net loans and leases to total assets | 17.6662% | 6,233 |
| Net loans and leases to deposits | 20.4413% | 6,247 |
| Net loans and leases to core deposits | 21.0206% | 6,243 |
| Total domestic deposits to total assets | 86.4241% | 2,475 |
| Equity capital to assets | 13.2710% | 1,267 |
| Core capital (leverage) ratio | 13.2404% | 1,077 |
| Tier 1 risk-based capital ratio | 45.1649% | 192 |
| Total risk-based capital ratio | 46.1601% | 193 |
| Memoranda: | ||
| Average total assets | $245,644,330 | 2,578 |
| Average earning assets | $227,233,330 | 2,567 |
| Average equity | $32,623,330 | 2,193 |
| Average total loans | $45,647,000 | 4,899 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1967% | 6,305 |
| Cost of funding earning assets | 0.6076% | 1,380 |
| Net interest margin | 1.5891% | 6,334 |
| Noninterest income to average assets | 0.0179% | 6,298 |
| Noninterest expense to average assets | 2.0691% | 5,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5814% | 6,262 |
| Return on assets (ROA) | -0.5668% | 6,270 |
| Pretax return on assets | -0.5668% | 6,256 |
| Return on Equity (ROE) | -4.2664% | 6,245 |
| Retained earnings to average equity (ytd only) | -4.2664% | 5,881 |
| Net charge-offs to loans | 0.9112% | 264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -3.3774% | 3,221 |
| Efficiency ratio | 139.0830% | 64 |
| Assets per employee ($millions) | 5.9801% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 1,884 |
| Loan loss allowance to noncurrent loans | 19.8843% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 1.5800% | 1,633 |
| Noncurrent loans to loans | 8.2982% | 92 |
| Net loans and leases to total assets | 18.3784% | 6,287 |
| Net loans and leases to deposits | 21.2667% | 6,292 |
| Net loans and leases to core deposits | 21.8659% | 6,293 |
| Total domestic deposits to total assets | 86.4184% | 2,702 |
| Equity capital to assets | 13.2879% | 1,265 |
| Core capital (leverage) ratio | 12.9281% | 1,181 |
| Tier 1 risk-based capital ratio | 45.0979% | 195 |
| Total risk-based capital ratio | 46.1495% | 195 |
| Memoranda: | ||
| Average total assets | $246,290,000 | 2,590 |
| Average earning assets | $227,797,000 | 2,575 |
| Average equity | $32,721,000 | 2,197 |
| Average total loans | $46,530,000 | 4,897 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3075% | 6,378 |
| Cost of funding earning assets | 0.6466% | 1,430 |
| Net interest margin | 1.6610% | 6,415 |
| Noninterest income to average assets | 0.0899% | 6,194 |
| Noninterest expense to average assets | 1.8729% | 5,967 |
| Loan and lease loss provision to assets | 0.0544% | 3,466 |
| Net operating income to assets | -0.2954% | 6,236 |
| Return on assets (ROA) | -0.3116% | 6,238 |
| Pretax return on assets | -0.3116% | 6,224 |
| Return on Equity (ROE) | -2.4255% | 6,227 |
| Retained earnings to average equity (ytd only) | -2.4255% | 6,051 |
| Net charge-offs to loans | 0.3093% | 1,421 |
| Credit loss provision to net charge-offs | 88.4615% | 2,679 |
| Earnings coverage of net charge-offs (x) | -3.9167% | 4,874 |
| Efficiency ratio | 114.7656% | 163 |
| Assets per employee ($millions) | 6.0340% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 1,482 |
| Loan loss allowance to noncurrent loans | 22.2912% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 1.7199% | 1,550 |
| Noncurrent loans to loans | 8.1853% | 105 |
| Net loans and leases to total assets | 18.7478% | 6,379 |
| Net loans and leases to deposits | 21.6961% | 6,387 |
| Net loans and leases to core deposits | 22.2280% | 6,387 |
| Total domestic deposits to total assets | 86.4108% | 2,614 |
| Equity capital to assets | 13.2832% | 1,234 |
| Core capital (leverage) ratio | 13.2808% | 1,032 |
| Tier 1 risk-based capital ratio | 41.3757% | 219 |
| Total risk-based capital ratio | 42.4612% | 216 |
| Memoranda: | ||
| Average total assets | $253,570,400 | 2,493 |
| Average earning assets | $235,401,200 | 2,460 |
| Average equity | $32,571,200 | 2,134 |
| Average total loans | $50,435,200 | 4,804 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2541% | 6,472 |
| Cost of funding earning assets | 0.6540% | 1,434 |
| Net interest margin | 1.6001% | 6,504 |
| Noninterest income to average assets | 0.0779% | 6,311 |
| Noninterest expense to average assets | 1.8015% | 6,086 |
| Loan and lease loss provision to assets | 0.0470% | 3,438 |
| Net operating income to assets | -0.2848% | 6,308 |
| Return on assets (ROA) | -0.3063% | 6,314 |
| Pretax return on assets | -0.3063% | 6,296 |
| Return on Equity (ROE) | -2.4041% | 6,298 |
| Retained earnings to average equity (ytd only) | -2.4041% | 6,105 |
| Net charge-offs to loans | 0.3617% | 1,106 |
| Credit loss provision to net charge-offs | 64.7482% | 2,860 |
| Earnings coverage of net charge-offs (x) | -3.2734% | 4,594 |
| Efficiency ratio | 115.2072% | 169 |
| Assets per employee ($millions) | 6.0620% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 1,927 |
| Loan loss allowance to noncurrent loans | 24.6807% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 2,073 |
| Noncurrent loans to loans | 6.9371% | 171 |
| Net loans and leases to total assets | 19.1940% | 6,460 |
| Net loans and leases to deposits | 22.2044% | 6,472 |
| Net loans and leases to core deposits | 22.7853% | 6,463 |
| Total domestic deposits to total assets | 86.4425% | 2,618 |
| Equity capital to assets | 13.2179% | 1,322 |
| Core capital (leverage) ratio | 13.3016% | 1,063 |
| Tier 1 risk-based capital ratio | 41.3912% | 220 |
| Total risk-based capital ratio | 42.4316% | 220 |
| Memoranda: | ||
| Average total assets | $255,114,250 | 2,500 |
| Average earning assets | $236,892,500 | 2,476 |
| Average equity | $32,498,500 | 2,144 |
| Average total loans | $51,233,250 | 4,822 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2596% | 6,540 |
| Cost of funding earning assets | 0.6598% | 1,432 |
| Net interest margin | 1.5998% | 6,573 |
| Noninterest income to average assets | 0.0979% | 6,293 |
| Noninterest expense to average assets | 1.8041% | 6,145 |
| Loan and lease loss provision to assets | 0.0466% | 3,375 |
| Net operating income to assets | -0.2658% | 6,354 |
| Return on assets (ROA) | -0.2977% | 6,378 |
| Pretax return on assets | -0.2977% | 6,361 |
| Return on Equity (ROE) | -2.3656% | 6,347 |
| Retained earnings to average equity (ytd only) | -2.3656% | 6,036 |
| Net charge-offs to loans | 0.0959% | 2,713 |
| Credit loss provision to net charge-offs | 240.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | -11.2800% | 4,318 |
| Efficiency ratio | 113.8303% | 195 |
| Assets per employee ($millions) | 6.0752% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 1,856 |
| Loan loss allowance to noncurrent loans | 26.5064% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 2,319 |
| Noncurrent loans to loans | 6.7718% | 188 |
| Net loans and leases to total assets | 19.6197% | 6,516 |
| Net loans and leases to deposits | 22.6180% | 6,527 |
| Net loans and leases to core deposits | 23.2194% | 6,526 |
| Total domestic deposits to total assets | 86.7438% | 2,608 |
| Equity capital to assets | 12.9207% | 1,413 |
| Core capital (leverage) ratio | 13.0363% | 1,146 |
| Tier 1 risk-based capital ratio | 40.5355% | 232 |
| Total risk-based capital ratio | 41.6505% | 229 |
| Memoranda: | ||
| Average total assets | $257,305,330 | 2,478 |
| Average earning assets | $239,161,670 | 2,452 |
| Average equity | $32,380,670 | 2,141 |
| Average total loans | $52,132,330 | 4,827 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2655% | 6,606 |
| Cost of funding earning assets | 0.6763% | 1,397 |
| Net interest margin | 1.5892% | 6,649 |
| Noninterest income to average assets | 0.0372% | 6,518 |
| Noninterest expense to average assets | 1.7757% | 6,250 |
| Loan and lease loss provision to assets | 0.0464% | 3,167 |
| Net operating income to assets | -0.3081% | 6,404 |
| Return on assets (ROA) | -0.3715% | 6,424 |
| Pretax return on assets | -0.3715% | 6,417 |
| Return on Equity (ROE) | -2.9919% | 6,407 |
| Retained earnings to average equity (ytd only) | -2.9919% | 5,963 |
| Net charge-offs to loans | 0.1442% | 1,860 |
| Credit loss provision to net charge-offs | 157.8947% | 1,212 |
| Earnings coverage of net charge-offs (x) | -8.8947% | 3,598 |
| Efficiency ratio | 117.2802% | 200 |
| Assets per employee ($millions) | 5.3517% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 2,373 |
| Loan loss allowance to noncurrent loans | 22.1642% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 1.8106% | 1,934 |
| Noncurrent loans to loans | 7.6394% | 185 |
| Net loans and leases to total assets | 20.1380% | 6,575 |
| Net loans and leases to deposits | 23.1273% | 6,589 |
| Net loans and leases to core deposits | 23.7631% | 6,585 |
| Total domestic deposits to total assets | 87.0743% | 2,760 |
| Equity capital to assets | 12.6089% | 1,521 |
| Core capital (leverage) ratio | 13.0044% | 1,160 |
| Tier 1 risk-based capital ratio | 39.7885% | 238 |
| Total risk-based capital ratio | 40.8497% | 236 |
| Memoranda: | ||
| Average total assets | $258,379,500 | 2,475 |
| Average earning assets | $240,120,000 | 2,439 |
| Average equity | $32,087,000 | 2,149 |
| Average total loans | $52,710,500 | 4,834 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1257% | 6,698 |
| Cost of funding earning assets | 0.7414% | 1,555 |
| Net interest margin | 1.3843% | 6,731 |
| Noninterest income to average assets | 0.0515% | 6,548 |
| Noninterest expense to average assets | 1.7608% | 6,379 |
| Loan and lease loss provision to assets | 0.2794% | 1,238 |
| Net operating income to assets | -0.7105% | 6,549 |
| Return on assets (ROA) | -0.7057% | 6,550 |
| Pretax return on assets | -0.6747% | 6,534 |
| Return on Equity (ROE) | -5.6335% | 6,500 |
| Retained earnings to average equity (ytd only) | -5.6335% | 6,400 |
| Net charge-offs to loans | 1.1716% | 460 |
| Credit loss provision to net charge-offs | 115.0538% | 2,101 |
| Earnings coverage of net charge-offs (x) | -1.6482% | 5,305 |
| Efficiency ratio | 129.4134% | 128 |
| Assets per employee ($millions) | 5.3036% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 2,513 |
| Loan loss allowance to noncurrent loans | 21.8797% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 2,033 |
| Noncurrent loans to loans | 7.6176% | 209 |
| Net loans and leases to total assets | 19.9784% | 6,668 |
| Net loans and leases to deposits | 22.8479% | 6,684 |
| Net loans and leases to core deposits | 23.4638% | 6,681 |
| Total domestic deposits to total assets | 87.4409% | 2,500 |
| Equity capital to assets | 12.2304% | 1,663 |
| Core capital (leverage) ratio | 12.9469% | 1,162 |
| Tier 1 risk-based capital ratio | 39.4637% | 237 |
| Total risk-based capital ratio | 40.4959% | 237 |
| Memoranda: | ||
| Average total assets | $268,112,400 | 2,367 |
| Average earning assets | $253,562,800 | 2,301 |
| Average equity | $33,584,800 | 2,053 |
| Average total loans | $55,564,000 | 4,765 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0919% | 6,790 |
| Cost of funding earning assets | 0.7478% | 1,617 |
| Net interest margin | 1.3442% | 6,823 |
| Noninterest income to average assets | 0.0587% | 6,609 |
| Noninterest expense to average assets | 1.7904% | 6,352 |
| Loan and lease loss provision to assets | 0.3326% | 991 |
| Net operating income to assets | -0.8296% | 6,683 |
| Return on assets (ROA) | -0.8232% | 6,689 |
| Pretax return on assets | -0.7822% | 6,655 |
| Return on Equity (ROE) | -6.5343% | 6,641 |
| Retained earnings to average equity (ytd only) | -6.5343% | 6,558 |
| Net charge-offs to loans | 1.4268% | 341 |
| Credit loss provision to net charge-offs | 111.9601% | 2,108 |
| Earnings coverage of net charge-offs (x) | -1.5349% | 5,046 |
| Efficiency ratio | 134.1716% | 110 |
| Assets per employee ($millions) | 6.1205% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 3,142 |
| Loan loss allowance to noncurrent loans | 20.1036% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 1.9169% | 2,113 |
| Noncurrent loans to loans | 7.8090% | 230 |
| Net loans and leases to total assets | 20.3452% | 6,745 |
| Net loans and leases to deposits | 23.3185% | 6,763 |
| Net loans and leases to core deposits | 23.9137% | 6,762 |
| Total domestic deposits to total assets | 87.2492% | 2,537 |
| Equity capital to assets | 12.4184% | 1,627 |
| Core capital (leverage) ratio | 12.6650% | 1,342 |
| Tier 1 risk-based capital ratio | 38.8336% | 257 |
| Total risk-based capital ratio | 39.8309% | 255 |
| Memoranda: | ||
| Average total assets | $270,171,500 | 2,363 |
| Average earning assets | $256,406,250 | 2,281 |
| Average equity | $34,035,000 | 2,037 |
| Average total loans | $56,255,250 | 4,785 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0091% | 6,845 |
| Cost of funding earning assets | 0.7506% | 1,703 |
| Net interest margin | 1.2584% | 6,880 |
| Noninterest income to average assets | 0.0550% | 6,658 |
| Noninterest expense to average assets | 1.7996% | 6,379 |
| Loan and lease loss provision to assets | 0.4037% | 766 |
| Net operating income to assets | -1.3798% | 6,799 |
| Return on assets (ROA) | -1.3798% | 6,802 |
| Pretax return on assets | -0.9461% | 6,728 |
| Return on Equity (ROE) | -10.9031% | 6,753 |
| Retained earnings to average equity (ytd only) | -10.9031% | 6,685 |
| Net charge-offs to loans | 1.7231% | 282 |
| Credit loss provision to net charge-offs | 112.2449% | 1,977 |
| Earnings coverage of net charge-offs (x) | -1.5082% | 4,745 |
| Efficiency ratio | 143.1407% | 87 |
| Assets per employee ($millions) | 6.1389% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,550 |
| Loan loss allowance to noncurrent loans | 16.1861% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 1.9699% | 2,189 |
| Noncurrent loans to loans | 9.3251% | 192 |
| Net loans and leases to total assets | 20.3407% | 6,787 |
| Net loans and leases to deposits | 23.2255% | 6,810 |
| Net loans and leases to core deposits | 23.8024% | 6,811 |
| Total domestic deposits to total assets | 87.5793% | 2,506 |
| Equity capital to assets | 12.0975% | 1,853 |
| Core capital (leverage) ratio | 12.4607% | 1,378 |
| Tier 1 risk-based capital ratio | 40.3602% | 220 |
| Total risk-based capital ratio | 41.3699% | 228 |
| Memoranda: | ||
| Average total assets | $272,501,000 | 2,343 |
| Average earning assets | $260,322,000 | 2,264 |
| Average equity | $34,485,670 | 2,014 |
| Average total loans | $56,874,000 | 4,787 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9670% | 6,929 |
| Cost of funding earning assets | 0.7663% | 1,736 |
| Net interest margin | 1.2007% | 6,963 |
| Noninterest income to average assets | 0.0468% | 6,745 |
| Noninterest expense to average assets | 1.7932% | 6,447 |
| Loan and lease loss provision to assets | 0.5612% | 466 |
| Net operating income to assets | -1.1940% | 6,847 |
| Return on assets (ROA) | -1.1940% | 6,853 |
| Pretax return on assets | -1.1604% | 6,835 |
| Return on Equity (ROE) | -9.2342% | 6,788 |
| Retained earnings to average equity (ytd only) | -9.2342% | 6,582 |
| Net charge-offs to loans | 2.4661% | 171 |
| Credit loss provision to net charge-offs | 108.4746% | 1,711 |
| Earnings coverage of net charge-offs (x) | -1.1582% | 3,976 |
| Efficiency ratio | 150.1836% | 87 |
| Assets per employee ($millions) | 6.0441% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 4,104 |
| Loan loss allowance to noncurrent loans | 15.5377% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 1.9641% | 2,388 |
| Noncurrent loans to loans | 9.1829% | 254 |
| Net loans and leases to total assets | 20.6254% | 6,843 |
| Net loans and leases to deposits | 23.7420% | 6,863 |
| Net loans and leases to core deposits | 24.3307% | 6,860 |
| Total domestic deposits to total assets | 86.8732% | 3,036 |
| Equity capital to assets | 12.8537% | 1,501 |
| Core capital (leverage) ratio | 12.7658% | 1,212 |
| Tier 1 risk-based capital ratio | 41.2373% | 215 |
| Total risk-based capital ratio | 42.2017% | 215 |
| Memoranda: | ||
| Average total assets | $273,695,000 | 2,359 |
| Average earning assets | $261,510,000 | 2,278 |
| Average equity | $35,390,000 | 1,992 |
| Average total loans | $57,418,500 | 4,799 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2435% | 6,973 |
| Cost of funding earning assets | 0.9905% | 1,405 |
| Net interest margin | 1.2530% | 7,014 |
| Noninterest income to average assets | 0.1336% | 6,372 |
| Noninterest expense to average assets | 1.7688% | 6,664 |
| Loan and lease loss provision to assets | 0.2056% | 3,086 |
| Net operating income to assets | -1.0563% | 6,762 |
| Return on assets (ROA) | -1.0563% | 6,779 |
| Pretax return on assets | -0.6494% | 6,635 |
| Return on Equity (ROE) | -7.9325% | 6,680 |
| Retained earnings to average equity (ytd only) | -7.9325% | 6,570 |
| Net charge-offs to loans | 0.6525% | 1,802 |
| Credit loss provision to net charge-offs | 145.0000% | 1,884 |
| Earnings coverage of net charge-offs (x) | -3.1300% | 5,876 |
| Efficiency ratio | 133.4938% | 139 |
| Assets per employee ($millions) | 6.1201% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 4,405 |
| Loan loss allowance to noncurrent loans | 16.2679% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 1.7875% | 2,729 |
| Noncurrent loans to loans | 8.2984% | 342 |
| Net loans and leases to total assets | 20.7494% | 6,914 |
| Net loans and leases to deposits | 23.9310% | 6,933 |
| Net loans and leases to core deposits | 24.4901% | 6,927 |
| Total domestic deposits to total assets | 86.7054% | 2,989 |
| Equity capital to assets | 13.0063% | 1,453 |
| Core capital (leverage) ratio | 12.9039% | 1,148 |
| Tier 1 risk-based capital ratio | 41.1129% | 216 |
| Total risk-based capital ratio | 42.0176% | 223 |
| Memoranda: | ||
| Average total assets | $282,117,800 | 2,252 |
| Average earning assets | $268,237,600 | 2,166 |
| Average equity | $37,567,200 | 1,850 |
| Average total loans | $61,303,400 | 4,663 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2835% | 7,085 |
| Cost of funding earning assets | 1.0285% | 1,401 |
| Net interest margin | 1.2550% | 7,124 |
| Noninterest income to average assets | 0.1320% | 6,476 |
| Noninterest expense to average assets | 1.7839% | 6,694 |
| Loan and lease loss provision to assets | 0.2678% | 2,434 |
| Net operating income to assets | -1.2445% | 6,917 |
| Return on assets (ROA) | -1.2445% | 6,939 |
| Pretax return on assets | -0.7273% | 6,788 |
| Return on Equity (ROE) | -9.2935% | 6,850 |
| Retained earnings to average equity (ytd only) | -9.2935% | 6,800 |
| Net charge-offs to loans | 1.0899% | 942 |
| Credit loss provision to net charge-offs | 112.2047% | 2,608 |
| Earnings coverage of net charge-offs (x) | -1.9252% | 5,646 |
| Efficiency ratio | 134.6932% | 132 |
| Assets per employee ($millions) | 6.1886% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 5,696 |
| Loan loss allowance to noncurrent loans | 15.0192% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 3,074 |
| Noncurrent loans to loans | 7.3662% | 473 |
| Net loans and leases to total assets | 21.3126% | 7,011 |
| Net loans and leases to deposits | 24.5929% | 7,031 |
| Net loans and leases to core deposits | 25.1346% | 7,028 |
| Total domestic deposits to total assets | 86.6615% | 2,877 |
| Equity capital to assets | 13.0128% | 1,588 |
| Core capital (leverage) ratio | 12.8799% | 1,238 |
| Tier 1 risk-based capital ratio | 41.7494% | 213 |
| Total risk-based capital ratio | 42.5223% | 215 |
| Memoranda: | ||
| Average total assets | $283,796,000 | 2,268 |
| Average earning assets | $269,633,750 | 2,186 |
| Average equity | $38,004,000 | 1,848 |
| Average total loans | $62,147,500 | 4,675 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3334% | 7,148 |
| Cost of funding earning assets | 1.0651% | 1,382 |
| Net interest margin | 1.2683% | 7,190 |
| Noninterest income to average assets | 0.1030% | 6,663 |
| Noninterest expense to average assets | 1.7691% | 6,784 |
| Loan and lease loss provision to assets | 0.1394% | 3,774 |
| Net operating income to assets | -0.4090% | 6,689 |
| Return on assets (ROA) | -0.4090% | 6,735 |
| Pretax return on assets | -0.6037% | 6,777 |
| Return on Equity (ROE) | -3.0265% | 6,673 |
| Retained earnings to average equity (ytd only) | -3.0265% | 6,465 |
| Net charge-offs to loans | 0.4582% | 2,228 |
| Credit loss provision to net charge-offs | 138.1944% | 1,997 |
| Earnings coverage of net charge-offs (x) | -4.6042% | 5,448 |
| Efficiency ratio | 135.5878% | 139 |
| Assets per employee ($millions) | 6.3260% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 5,942 |
| Loan loss allowance to noncurrent loans | 14.2331% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 3,221 |
| Noncurrent loans to loans | 7.4012% | 503 |
| Net loans and leases to total assets | 21.6779% | 7,063 |
| Net loans and leases to deposits | 25.1331% | 7,079 |
| Net loans and leases to core deposits | 25.7200% | 7,084 |
| Total domestic deposits to total assets | 86.2526% | 3,220 |
| Equity capital to assets | 13.4481% | 1,322 |
| Core capital (leverage) ratio | 13.0052% | 1,149 |
| Tier 1 risk-based capital ratio | 39.9022% | 230 |
| Total risk-based capital ratio | 40.6129% | 236 |
| Memoranda: | ||
| Average total assets | $285,565,330 | 2,265 |
| Average earning assets | $270,592,670 | 2,187 |
| Average equity | $38,592,330 | 1,806 |
| Average total loans | $62,857,670 | 4,681 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4617% | 7,182 |
| Cost of funding earning assets | 1.0925% | 1,441 |
| Net interest margin | 1.3692% | 7,250 |
| Noninterest income to average assets | 0.0811% | 6,821 |
| Noninterest expense to average assets | 1.7636% | 6,838 |
| Loan and lease loss provision to assets | 0.0531% | 4,745 |
| Net operating income to assets | -0.2923% | 6,703 |
| Return on assets (ROA) | -0.2923% | 6,742 |
| Pretax return on assets | -0.4280% | 6,797 |
| Return on Equity (ROE) | -2.1576% | 6,697 |
| Retained earnings to average equity (ytd only) | -2.1576% | 6,298 |
| Net charge-offs to loans | 0.0824% | 3,674 |
| Credit loss provision to net charge-offs | 292.3077% | 1,011 |
| Earnings coverage of net charge-offs (x) | -20.6154% | 4,706 |
| Efficiency ratio | 126.9889% | 176 |
| Assets per employee ($millions) | 6.2141% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,242 |
| Loan loss allowance to noncurrent loans | 36.7742% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 5,296 |
| Noncurrent loans to loans | 2.7222% | 2,397 |
| Net loans and leases to total assets | 21.6924% | 7,116 |
| Net loans and leases to deposits | 25.1637% | 7,130 |
| Net loans and leases to core deposits | 25.7208% | 7,134 |
| Total domestic deposits to total assets | 86.2049% | 3,410 |
| Equity capital to assets | 13.5114% | 1,235 |
| Core capital (leverage) ratio | 13.1002% | 1,086 |
| Tier 1 risk-based capital ratio | 41.9580% | 202 |
| Total risk-based capital ratio | 42.6629% | 203 |
| Memoranda: | ||
| Average total assets | $286,012,000 | 2,278 |
| Average earning assets | $273,144,000 | 2,176 |
| Average equity | $38,747,000 | 1,793 |
| Average total loans | $63,102,500 | 4,695 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6808% | 7,238 |
| Cost of funding earning assets | 1.2733% | 1,601 |
| Net interest margin | 1.4075% | 7,295 |
| Noninterest income to average assets | 0.1188% | 6,551 |
| Noninterest expense to average assets | 1.6190% | 7,109 |
| Loan and lease loss provision to assets | 0.7135% | 1,430 |
| Net operating income to assets | -0.5718% | 6,535 |
| Return on assets (ROA) | -0.5460% | 6,564 |
| Pretax return on assets | -0.8272% | 6,661 |
| Return on Equity (ROE) | -3.9773% | 6,469 |
| Retained earnings to average equity (ytd only) | -3.9773% | 6,367 |
| Net charge-offs to loans | 2.3638% | 517 |
| Credit loss provision to net charge-offs | 129.0683% | 2,381 |
| Earnings coverage of net charge-offs (x) | -0.2764% | 5,997 |
| Efficiency ratio | 110.4215% | 431 |
| Assets per employee ($millions) | 6.2212% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 6,410 |
| Loan loss allowance to noncurrent loans | 22.7771% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9630% | 4,684 |
| Noncurrent loans to loans | 4.1576% | 1,479 |
| Net loans and leases to total assets | 22.0035% | 7,183 |
| Net loans and leases to deposits | 25.5498% | 7,194 |
| Net loans and leases to core deposits | 26.0783% | 7,196 |
| Total domestic deposits to total assets | 86.1201% | 3,250 |
| Equity capital to assets | 13.5832% | 1,226 |
| Core capital (leverage) ratio | 13.1315% | 1,093 |
| Tier 1 risk-based capital ratio | 41.8995% | 205 |
| Total risk-based capital ratio | 42.5742% | 207 |
| Memoranda: | ||
| Average total assets | $291,229,800 | 2,188 |
| Average earning assets | $278,799,400 | 2,104 |
| Average equity | $39,976,800 | 1,689 |
| Average total loans | $68,111,000 | 4,553 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7571% | 7,314 |
| Cost of funding earning assets | 1.3060% | 1,665 |
| Net interest margin | 1.4511% | 7,369 |
| Noninterest income to average assets | 0.1003% | 6,749 |
| Noninterest expense to average assets | 1.7039% | 7,094 |
| Loan and lease loss provision to assets | 0.0679% | 5,603 |
| Net operating income to assets | -0.1921% | 6,379 |
| Return on assets (ROA) | -0.1837% | 6,445 |
| Pretax return on assets | -0.2689% | 6,467 |
| Return on Equity (ROE) | -1.3349% | 6,416 |
| Retained earnings to average equity (ytd only) | -1.3349% | 6,209 |
| Net charge-offs to loans | 0.2022% | 4,186 |
| Credit loss provision to net charge-offs | 141.9048% | 2,243 |
| Earnings coverage of net charge-offs (x) | -4.4570% | 6,088 |
| Efficiency ratio | 114.3119% | 369 |
| Assets per employee ($millions) | 6.2954% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3700% | 7,250 |
| Loan loss allowance to noncurrent loans | 11.9923% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 5,370 |
| Noncurrent loans to loans | 3.0857% | 2,248 |
| Net loans and leases to total assets | 23.0572% | 7,244 |
| Net loans and leases to deposits | 26.8802% | 7,257 |
| Net loans and leases to core deposits | 27.4678% | 7,260 |
| Total domestic deposits to total assets | 85.7777% | 3,339 |
| Equity capital to assets | 13.8531% | 1,224 |
| Core capital (leverage) ratio | 13.7304% | 978 |
| Tier 1 risk-based capital ratio | 43.8095% | 192 |
| Total risk-based capital ratio | 44.0832% | 199 |
| Memoranda: | ||
| Average total assets | $292,493,000 | 2,191 |
| Average earning assets | $280,235,500 | 2,099 |
| Average equity | $40,253,000 | 1,672 |
| Average total loans | $69,246,000 | 4,562 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8029% | 7,388 |
| Cost of funding earning assets | 1.3431% | 1,685 |
| Net interest margin | 1.4597% | 7,448 |
| Noninterest income to average assets | 0.0804% | 6,924 |
| Noninterest expense to average assets | 1.7140% | 7,167 |
| Loan and lease loss provision to assets | 0.0204% | 6,035 |
| Net operating income to assets | -0.1763% | 6,446 |
| Return on assets (ROA) | -0.1636% | 6,474 |
| Pretax return on assets | -0.2365% | 6,487 |
| Return on Equity (ROE) | -1.1911% | 6,423 |
| Retained earnings to average equity (ytd only) | -1.1911% | 6,086 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8452% | 392 |
| Assets per employee ($millions) | 6.3610% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3387% | 7,324 |
| Loan loss allowance to noncurrent loans | 13.3333% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 5,719 |
| Noncurrent loans to loans | 2.5401% | 2,844 |
| Net loans and leases to total assets | 23.5323% | 7,323 |
| Net loans and leases to deposits | 27.3945% | 7,335 |
| Net loans and leases to core deposits | 27.9129% | 7,344 |
| Total domestic deposits to total assets | 85.9015% | 3,375 |
| Equity capital to assets | 13.7485% | 1,180 |
| Core capital (leverage) ratio | 13.6423% | 954 |
| Tier 1 risk-based capital ratio | 43.5798% | 197 |
| Total risk-based capital ratio | 43.8356% | 203 |
| Memoranda: | ||
| Average total assets | $293,461,330 | 2,188 |
| Average earning assets | $281,282,670 | 2,092 |
| Average equity | $40,298,330 | 1,665 |
| Average total loans | $69,988,330 | 4,578 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8111% | 7,443 |
| Cost of funding earning assets | 1.3906% | 1,659 |
| Net interest margin | 1.4205% | 7,508 |
| Noninterest income to average assets | 0.0653% | 7,066 |
| Noninterest expense to average assets | 1.7068% | 7,223 |
| Loan and lease loss provision to assets | 0.0204% | 5,697 |
| Net operating income to assets | -0.2082% | 6,569 |
| Return on assets (ROA) | -0.2082% | 6,580 |
| Pretax return on assets | -0.3008% | 6,621 |
| Return on Equity (ROE) | -1.5174% | 6,540 |
| Retained earnings to average equity (ytd only) | -1.5174% | 6,077 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6565% | 348 |
| Assets per employee ($millions) | 6.3857% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3136% | 7,397 |
| Loan loss allowance to noncurrent loans | 12.1330% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 5,740 |
| Noncurrent loans to loans | 2.5845% | 2,912 |
| Net loans and leases to total assets | 23.7013% | 7,379 |
| Net loans and leases to deposits | 27.5636% | 7,394 |
| Net loans and leases to core deposits | 28.0978% | 7,400 |
| Total domestic deposits to total assets | 85.9875% | 3,533 |
| Equity capital to assets | 13.6864% | 1,114 |
| Core capital (leverage) ratio | 13.6135% | 934 |
| Tier 1 risk-based capital ratio | 43.4577% | 196 |
| Total risk-based capital ratio | 43.6959% | 201 |
| Memoranda: | ||
| Average total assets | $293,889,000 | 2,200 |
| Average earning assets | $281,599,000 | 2,102 |
| Average equity | $40,333,000 | 1,652 |
| Average total loans | $70,437,000 | 4,608 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2763% | 7,449 |
| Cost of funding earning assets | 1.6928% | 1,637 |
| Net interest margin | 1.5835% | 7,538 |
| Noninterest income to average assets | 0.1265% | 6,765 |
| Noninterest expense to average assets | 1.6271% | 7,389 |
| Loan and lease loss provision to assets | 0.0556% | 6,586 |
| Net operating income to assets | -0.0311% | 5,896 |
| Return on assets (ROA) | 0.0156% | 5,924 |
| Pretax return on assets | 0.0190% | 5,859 |
| Return on Equity (ROE) | 0.1133% | 5,937 |
| Retained earnings to average equity (ytd only) | 0.1133% | 5,527 |
| Net charge-offs to loans | 0.3511% | 4,263 |
| Credit loss provision to net charge-offs | 65.8635% | 5,961 |
| Earnings coverage of net charge-offs (x) | 0.2088% | 5,896 |
| Efficiency ratio | 98.9274% | 825 |
| Assets per employee ($millions) | 6.3920% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 7,489 |
| Loan loss allowance to noncurrent loans | 11.2707% | 7,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 5,786 |
| Noncurrent loans to loans | 2.5481% | 2,977 |
| Net loans and leases to total assets | 24.0891% | 7,469 |
| Net loans and leases to deposits | 28.0474% | 7,486 |
| Net loans and leases to core deposits | 28.5877% | 7,490 |
| Total domestic deposits to total assets | 85.8870% | 3,419 |
| Equity capital to assets | 13.7613% | 1,110 |
| Core capital (leverage) ratio | 13.6568% | 941 |
| Tier 1 risk-based capital ratio | 43.1444% | 190 |
| Total risk-based capital ratio | 43.3638% | 200 |
| Memoranda: | ||
| Average total assets | $294,755,200 | 2,182 |
| Average earning assets | $282,603,800 | 2,089 |
| Average equity | $40,604,000 | 1,632 |
| Average total loans | $70,913,000 | 4,654 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 7,551 |
| Cost of funding earning assets | 1.7698% | 1,550 |
| Net interest margin | 1.6614% | 7,646 |
| Noninterest income to average assets | 0.1343% | 6,880 |
| Noninterest expense to average assets | 1.6794% | 7,450 |
| Loan and lease loss provision to assets | 0.0208% | 6,850 |
| Net operating income to assets | 0.0181% | 5,963 |
| Return on assets (ROA) | 0.0181% | 6,081 |
| Pretax return on assets | 0.0276% | 6,049 |
| Return on Equity (ROE) | 0.1312% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.1312% | 5,724 |
| Net charge-offs to loans | 0.0884% | 5,646 |
| Credit loss provision to net charge-offs | 97.8723% | 4,442 |
| Earnings coverage of net charge-offs (x) | 2.2764% | 4,028 |
| Efficiency ratio | 97.2004% | 857 |
| Assets per employee ($millions) | 6.4784% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4039% | 7,533 |
| Loan loss allowance to noncurrent loans | 15.7377% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 5,874 |
| Noncurrent loans to loans | 2.5666% | 3,058 |
| Net loans and leases to total assets | 24.3588% | 7,562 |
| Net loans and leases to deposits | 28.4571% | 7,590 |
| Net loans and leases to core deposits | 29.0825% | 7,591 |
| Total domestic deposits to total assets | 85.5983% | 3,294 |
| Equity capital to assets | 13.9746% | 1,170 |
| Core capital (leverage) ratio | 13.7856% | 969 |
| Tier 1 risk-based capital ratio | 46.1451% | 171 |
| Total risk-based capital ratio | 46.4765% | 171 |
| Memoranda: | ||
| Average total assets | $294,935,500 | 2,218 |
| Average earning assets | $282,891,000 | 2,127 |
| Average equity | $40,639,250 | 1,636 |
| Average total loans | $70,882,750 | 4,720 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 7,586 |
| Cost of funding earning assets | 1.8521% | 1,423 |
| Net interest margin | 1.7142% | 7,710 |
| Noninterest income to average assets | 0.1236% | 6,979 |
| Noninterest expense to average assets | 1.6766% | 7,518 |
| Loan and lease loss provision to assets | 0.0209% | 6,721 |
| Net operating income to assets | 0.0486% | 5,993 |
| Return on assets (ROA) | 0.0486% | 6,097 |
| Pretax return on assets | 0.0716% | 6,031 |
| Return on Equity (ROE) | 0.3546% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.3546% | 5,617 |
| Net charge-offs to loans | 0.1781% | 4,541 |
| Credit loss provision to net charge-offs | 49.2063% | 5,437 |
| Earnings coverage of net charge-offs (x) | 2.1746% | 3,931 |
| Efficiency ratio | 94.7690% | 1,020 |
| Assets per employee ($millions) | 6.2833% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3578% | 7,626 |
| Loan loss allowance to noncurrent loans | 21.4167% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 6,400 |
| Noncurrent loans to loans | 1.6706% | 4,186 |
| Net loans and leases to total assets | 24.2357% | 7,637 |
| Net loans and leases to deposits | 28.2637% | 7,660 |
| Net loans and leases to core deposits | 28.9085% | 7,669 |
| Total domestic deposits to total assets | 85.7485% | 3,237 |
| Equity capital to assets | 13.8540% | 1,220 |
| Core capital (leverage) ratio | 13.6255% | 1,023 |
| Tier 1 risk-based capital ratio | 45.8845% | 177 |
| Total risk-based capital ratio | 46.1784% | 182 |
| Memoranda: | ||
| Average total assets | $296,071,000 | 2,221 |
| Average earning assets | $284,216,330 | 2,123 |
| Average equity | $40,605,670 | 1,632 |
| Average total loans | $70,743,330 | 4,768 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 7,649 |
| Cost of funding earning assets | 1.9411% | 1,283 |
| Net interest margin | 1.7229% | 7,796 |
| Noninterest income to average assets | 0.1174% | 7,106 |
| Noninterest expense to average assets | 1.6812% | 7,589 |
| Loan and lease loss provision to assets | 0.0216% | 6,435 |
| Net operating income to assets | 0.0499% | 6,162 |
| Return on assets (ROA) | 0.0499% | 6,273 |
| Pretax return on assets | 0.0661% | 6,217 |
| Return on Equity (ROE) | 0.3659% | 6,316 |
| Retained earnings to average equity (ytd only) | 0.3659% | 5,690 |
| Net charge-offs to loans | 0.0057% | 5,533 |
| Credit loss provision to net charge-offs | 1,600.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 470 |
| Efficiency ratio | 95.0420% | 1,077 |
| Assets per employee ($millions) | 6.4708% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4293% | 7,669 |
| Loan loss allowance to noncurrent loans | 26.2295% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 6,435 |
| Noncurrent loans to loans | 1.6367% | 4,293 |
| Net loans and leases to total assets | 23.6888% | 7,732 |
| Net loans and leases to deposits | 27.5637% | 7,758 |
| Net loans and leases to core deposits | 28.1410% | 7,765 |
| Total domestic deposits to total assets | 85.9418% | 3,183 |
| Equity capital to assets | 13.6698% | 1,257 |
| Core capital (leverage) ratio | 13.4983% | 1,083 |
| Tier 1 risk-based capital ratio | 45.5339% | 181 |
| Total risk-based capital ratio | 45.8791% | 193 |
| Memoranda: | ||
| Average total assets | $296,448,500 | 2,266 |
| Average earning assets | $284,175,500 | 2,181 |
| Average equity | $40,452,000 | 1,653 |
| Average total loans | $70,200,500 | 4,854 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 7,654 |
| Cost of funding earning assets | 2.3696% | 1,391 |
| Net interest margin | 1.7223% | 7,825 |
| Noninterest income to average assets | 0.1090% | 7,221 |
| Noninterest expense to average assets | 1.7381% | 7,667 |
| Loan and lease loss provision to assets | 0.1370% | 6,274 |
| Net operating income to assets | -0.0680% | 5,617 |
| Return on assets (ROA) | -0.0453% | 5,603 |
| Pretax return on assets | -0.0864% | 5,582 |
| Return on Equity (ROE) | -0.3142% | 5,588 |
| Retained earnings to average equity (ytd only) | -0.3142% | 5,026 |
| Net charge-offs to loans | 0.1088% | 6,066 |
| Credit loss provision to net charge-offs | 522.9730% | 580 |
| Earnings coverage of net charge-offs (x) | 0.5811% | 5,522 |
| Efficiency ratio | 99.1320% | 1,147 |
| Assets per employee ($millions) | 6.2817% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4153% | 7,748 |
| Loan loss allowance to noncurrent loans | 24.4088% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 6,455 |
| Noncurrent loans to loans | 1.7015% | 4,087 |
| Net loans and leases to total assets | 23.4713% | 7,820 |
| Net loans and leases to deposits | 27.3029% | 7,850 |
| Net loans and leases to core deposits | 34.9281% | 7,827 |
| Total domestic deposits to total assets | 85.9664% | 3,038 |
| Equity capital to assets | 13.6211% | 1,272 |
| Core capital (leverage) ratio | 13.5763% | 1,073 |
| Tier 1 risk-based capital ratio | 45.8627% | 182 |
| Total risk-based capital ratio | 46.1936% | 191 |
| Memoranda: | ||
| Average total assets | $282,555,000 | 2,330 |
| Average earning assets | $269,748,400 | 2,239 |
| Average equity | $40,733,000 | 1,646 |
| Average total loans | $68,038,200 | 4,935 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 7,716 |
| Cost of funding earning assets | 2.4502% | 1,441 |
| Net interest margin | 1.7644% | 7,895 |
| Noninterest income to average assets | 0.1059% | 7,379 |
| Noninterest expense to average assets | 1.7476% | 7,712 |
| Loan and lease loss provision to assets | 0.0334% | 7,026 |
| Net operating income to assets | 0.0091% | 5,692 |
| Return on assets (ROA) | 0.0091% | 5,747 |
| Pretax return on assets | 0.0072% | 5,690 |
| Return on Equity (ROE) | 0.0620% | 5,755 |
| Retained earnings to average equity (ytd only) | 0.0620% | 5,175 |
| Net charge-offs to loans | 0.1202% | 5,497 |
| Credit loss provision to net charge-offs | 114.7541% | 4,423 |
| Earnings coverage of net charge-offs (x) | 1.3935% | 4,741 |
| Efficiency ratio | 97.7315% | 1,176 |
| Assets per employee ($millions) | 6.3092% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4078% | 7,815 |
| Loan loss allowance to noncurrent loans | 29.7495% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 6,655 |
| Noncurrent loans to loans | 1.3707% | 4,628 |
| Net loans and leases to total assets | 23.9840% | 7,901 |
| Net loans and leases to deposits | 28.0945% | 7,930 |
| Net loans and leases to core deposits | 35.6900% | 7,903 |
| Total domestic deposits to total assets | 85.3688% | 3,043 |
| Equity capital to assets | 14.1253% | 1,266 |
| Core capital (leverage) ratio | 13.8924% | 1,118 |
| Tier 1 risk-based capital ratio | 47.3003% | 189 |
| Total risk-based capital ratio | 47.2827% | 200 |
| Memoranda: | ||
| Average total assets | $279,383,500 | 2,364 |
| Average earning assets | $266,368,500 | 2,284 |
| Average equity | $40,862,500 | 1,652 |
| Average total loans | $67,651,250 | 4,998 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 7,700 |
| Cost of funding earning assets | 2.5313% | 1,504 |
| Net interest margin | 1.8832% | 7,915 |
| Noninterest income to average assets | 0.0798% | 7,584 |
| Noninterest expense to average assets | 1.7899% | 7,754 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0595% | 5,681 |
| Return on assets (ROA) | 0.0595% | 5,767 |
| Pretax return on assets | 0.0834% | 5,711 |
| Return on Equity (ROE) | 0.4018% | 5,812 |
| Retained earnings to average equity (ytd only) | 0.4018% | 5,056 |
| Net charge-offs to loans | 0.0179% | 6,269 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,375 |
| Efficiency ratio | 95.5478% | 1,409 |
| Assets per employee ($millions) | 6.0465% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3834% | 7,915 |
| Loan loss allowance to noncurrent loans | 35.2708% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 6,679 |
| Noncurrent loans to loans | 1.0870% | 5,024 |
| Net loans and leases to total assets | 24.4124% | 7,989 |
| Net loans and leases to deposits | 28.7791% | 8,010 |
| Net loans and leases to core deposits | 36.5963% | 7,970 |
| Total domestic deposits to total assets | 84.8269% | 3,343 |
| Equity capital to assets | 14.3043% | 1,224 |
| Core capital (leverage) ratio | 14.1899% | 1,095 |
| Tier 1 risk-based capital ratio | 48.0619% | 198 |
| Total risk-based capital ratio | 48.0225% | 205 |
| Memoranda: | ||
| Average total assets | $275,770,330 | 2,410 |
| Average earning assets | $262,635,670 | 2,324 |
| Average equity | $40,818,330 | 1,662 |
| Average total loans | $66,904,330 | 5,073 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 7,574 |
| Cost of funding earning assets | 2.5937% | 1,586 |
| Net interest margin | 2.0552% | 7,871 |
| Noninterest income to average assets | 0.0309% | 7,923 |
| Noninterest expense to average assets | 1.6792% | 7,845 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1871% | 5,691 |
| Return on assets (ROA) | 0.1871% | 5,865 |
| Pretax return on assets | 0.3196% | 5,623 |
| Return on Equity (ROE) | 1.2420% | 6,056 |
| Retained earnings to average equity (ytd only) | 1.2420% | 5,141 |
| Net charge-offs to loans | 0.0366% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 36.1667% | 921 |
| Efficiency ratio | 84.0088% | 2,308 |
| Assets per employee ($millions) | 6.0736% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 7,877 |
| Loan loss allowance to noncurrent loans | 72.4057% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 6,880 |
| Noncurrent loans to loans | 0.6359% | 5,819 |
| Net loans and leases to total assets | 23.7561% | 8,040 |
| Net loans and leases to deposits | 28.1228% | 8,060 |
| Net loans and leases to core deposits | 35.5094% | 8,031 |
| Total domestic deposits to total assets | 84.4727% | 3,473 |
| Equity capital to assets | 14.6683% | 1,190 |
| Core capital (leverage) ratio | 14.4647% | 1,093 |
| Tier 1 risk-based capital ratio | 49.7145% | 214 |
| Total risk-based capital ratio | 49.7232% | 221 |
| Memoranda: | ||
| Average total assets | $271,562,000 | 2,449 |
| Average earning assets | $260,018,000 | 2,366 |
| Average equity | $40,902,000 | 1,658 |
| Average total loans | $65,534,500 | 5,150 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 7,821 |
| Cost of funding earning assets | 3.0665% | 1,614 |
| Net interest margin | 1.9561% | 8,090 |
| Noninterest income to average assets | 0.1147% | 7,547 |
| Noninterest expense to average assets | 1.6244% | 7,941 |
| Loan and lease loss provision to assets | 0.2206% | 4,678 |
| Net operating income to assets | 0.1097% | 6,089 |
| Return on assets (ROA) | 0.1097% | 5,925 |
| Pretax return on assets | 0.1553% | 5,833 |
| Return on Equity (ROE) | 0.7208% | 6,004 |
| Retained earnings to average equity (ytd only) | 0.7208% | 4,799 |
| Net charge-offs to loans | 0.0241% | 6,510 |
| Credit loss provision to net charge-offs | 3,873.3333% | 132 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 609 |
| Efficiency ratio | 81.2073% | 2,409 |
| Assets per employee ($millions) | 5.6115% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4861% | 7,869 |
| Loan loss allowance to noncurrent loans | 60.7767% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 6,789 |
| Noncurrent loans to loans | 0.7998% | 5,043 |
| Net loans and leases to total assets | 24.2960% | 8,102 |
| Net loans and leases to deposits | 29.0561% | 8,124 |
| Net loans and leases to core deposits | 36.1694% | 8,107 |
| Total domestic deposits to total assets | 83.6175% | 3,520 |
| Equity capital to assets | 15.4786% | 1,054 |
| Core capital (leverage) ratio | 15.2752% | 965 |
| Tier 1 risk-based capital ratio | 52.1555% | 198 |
| Total risk-based capital ratio | 52.1724% | 209 |
| Memoranda: | ||
| Average total assets | $263,360,600 | 2,432 |
| Average earning assets | $253,868,400 | 2,334 |
| Average equity | $40,096,600 | 1,677 |
| Average total loans | $62,158,200 | 5,175 |