Home > Reliance Bank > Performance and Condition Ratios
Reliance 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 | 3.8996% | 3,403 |
| Cost of funding earning assets | 0.5731% | 1,556 |
| Net interest margin | 3.3265% | 3,925 |
| Noninterest income to average assets | 0.9842% | 1,037 |
| Noninterest expense to average assets | 3.0502% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3283% | 1,169 |
| Return on assets (ROA) | 1.3283% | 1,201 |
| Pretax return on assets | 0.9957% | 3,387 |
| Return on Equity (ROE) | 13.8326% | 835 |
| Retained earnings to average equity (ytd only) | 13.3350% | 351 |
| Net charge-offs to loans | -0.0190% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3897% | 2,002 |
| Assets per employee ($millions) | 4.1047% | 3,833 |
| Cash dividends to net income (ytd only)* | 3.5971% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 4,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 3,666 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 60.9578% | 3,671 |
| Net loans and leases to deposits | 72.9175% | 3,521 |
| Net loans and leases to core deposits | 75.0396% | 3,739 |
| Total domestic deposits to total assets | 83.5983% | 3,625 |
| Equity capital to assets | 10.2192% | 3,496 |
| Core capital (leverage) ratio | 9.9259% | 3,598 |
| Tier 1 risk-based capital ratio | 13.2030% | 3,948 |
| Total risk-based capital ratio | 14.0385% | 4,103 |
| Memoranda: | ||
| Average total assets | $209,296,500 | 2,895 |
| Average earning assets | $192,636,000 | 2,900 |
| Average equity | $20,097,500 | 3,161 |
| Average total loans | $126,273,000 | 3,020 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 2,981 |
| Cost of funding earning assets | 0.6116% | 1,266 |
| Net interest margin | 3.4512% | 3,625 |
| Noninterest income to average assets | 1.2216% | 764 |
| Noninterest expense to average assets | 3.7083% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4386% | 4,830 |
| Return on assets (ROA) | 0.4488% | 4,882 |
| Pretax return on assets | 0.7161% | 4,440 |
| Return on Equity (ROE) | 4.3204% | 4,725 |
| Retained earnings to average equity (ytd only) | 1.0727% | 4,882 |
| Net charge-offs to loans | 0.0753% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.7312% | 2,267 |
| Efficiency ratio | 84.1159% | 999 |
| Assets per employee ($millions) | 4.4380% | 3,210 |
| Cash dividends to net income (ytd only)* | 75.1708% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 4,508 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 4,083 |
| Noncurrent loans to loans | 0.0062% | 5,286 |
| Net loans and leases to total assets | 58.6102% | 4,008 |
| Net loans and leases to deposits | 68.8131% | 4,026 |
| Net loans and leases to core deposits | 70.7227% | 4,180 |
| Total domestic deposits to total assets | 85.1730% | 2,972 |
| Equity capital to assets | 9.0319% | 4,780 |
| Core capital (leverage) ratio | 9.5596% | 4,014 |
| Tier 1 risk-based capital ratio | 12.5785% | 4,342 |
| Total risk-based capital ratio | 13.3554% | 4,528 |
| Memoranda: | ||
| Average total assets | $195,641,000 | 3,002 |
| Average earning assets | $180,663,200 | 3,007 |
| Average equity | $20,322,200 | 3,137 |
| Average total loans | $123,551,600 | 3,018 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 2,855 |
| Cost of funding earning assets | 0.6154% | 1,238 |
| Net interest margin | 3.4894% | 3,510 |
| Noninterest income to average assets | 1.2878% | 699 |
| Noninterest expense to average assets | 3.6966% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5519% | 4,488 |
| Return on assets (ROA) | 0.5665% | 4,533 |
| Pretax return on assets | 0.8406% | 4,186 |
| Return on Equity (ROE) | 5.2571% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.2161% | 3,326 |
| Net charge-offs to loans | 0.1080% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.7977% | 2,445 |
| Efficiency ratio | 81.8662% | 1,209 |
| Assets per employee ($millions) | 4.3769% | 3,291 |
| Cash dividends to net income (ytd only)* | 19.8021% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 4,630 |
| Loan loss allowance to noncurrent loans | 8,814.2857% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 4,021 |
| Noncurrent loans to loans | 0.0109% | 5,361 |
| Net loans and leases to total assets | 60.7712% | 3,771 |
| Net loans and leases to deposits | 72.4193% | 3,761 |
| Net loans and leases to core deposits | 74.7596% | 3,943 |
| Total domestic deposits to total assets | 83.9157% | 3,234 |
| Equity capital to assets | 10.0103% | 4,119 |
| Core capital (leverage) ratio | 9.5730% | 4,092 |
| Tier 1 risk-based capital ratio | 12.6785% | 4,353 |
| Total risk-based capital ratio | 13.4643% | 4,558 |
| Memoranda: | ||
| Average total assets | $190,185,750 | 3,069 |
| Average earning assets | $175,916,500 | 3,064 |
| Average equity | $20,492,500 | 3,147 |
| Average total loans | $122,265,750 | 3,034 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 3,273 |
| Cost of funding earning assets | 0.5846% | 1,434 |
| Net interest margin | 3.4056% | 3,871 |
| Noninterest income to average assets | 1.1081% | 912 |
| Noninterest expense to average assets | 3.5522% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4651% | 4,816 |
| Return on assets (ROA) | 0.4871% | 4,831 |
| Pretax return on assets | 0.7507% | 4,450 |
| Return on Equity (ROE) | 4.4011% | 4,756 |
| Retained earnings to average equity (ytd only) | 2.8258% | 4,101 |
| Net charge-offs to loans | 0.1133% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.6765% | 2,393 |
| Efficiency ratio | 83.2057% | 1,125 |
| Assets per employee ($millions) | 4.1114% | 3,719 |
| Cash dividends to net income (ytd only)* | 35.7942% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 4,875 |
| Loan loss allowance to noncurrent loans | 292.8241% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 3,495 |
| Noncurrent loans to loans | 0.3157% | 4,231 |
| Net loans and leases to total assets | 64.6512% | 3,274 |
| Net loans and leases to deposits | 76.8671% | 3,285 |
| Net loans and leases to core deposits | 79.9644% | 3,460 |
| Total domestic deposits to total assets | 84.1078% | 3,224 |
| Equity capital to assets | 9.8168% | 4,428 |
| Core capital (leverage) ratio | 9.9767% | 3,589 |
| Tier 1 risk-based capital ratio | 12.5014% | 4,521 |
| Total risk-based capital ratio | 13.3036% | 4,710 |
| Memoranda: | ||
| Average total assets | $183,550,000 | 3,147 |
| Average earning assets | $170,367,330 | 3,139 |
| Average equity | $20,313,000 | 3,163 |
| Average total loans | $120,051,000 | 3,078 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 3,587 |
| Cost of funding earning assets | 0.5714% | 1,534 |
| Net interest margin | 3.3298% | 4,109 |
| Noninterest income to average assets | 1.0511% | 983 |
| Noninterest expense to average assets | 3.3505% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5607% | 4,365 |
| Return on assets (ROA) | 0.6124% | 4,243 |
| Pretax return on assets | 0.8634% | 3,988 |
| Return on Equity (ROE) | 5.1741% | 4,414 |
| Retained earnings to average equity (ytd only) | 2.4978% | 4,256 |
| Net charge-offs to loans | -0.0251% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9065% | 1,495 |
| Assets per employee ($millions) | 4.9455% | 2,402 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,588 |
| Loan loss allowance to noncurrent loans | 2,528.3019% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 3,782 |
| Noncurrent loans to loans | 0.0468% | 5,300 |
| Net loans and leases to total assets | 64.6907% | 3,155 |
| Net loans and leases to deposits | 85.0409% | 2,189 |
| Net loans and leases to core deposits | 89.0266% | 2,456 |
| Total domestic deposits to total assets | 76.0701% | 5,404 |
| Equity capital to assets | 11.7578% | 2,194 |
| Core capital (leverage) ratio | 11.6968% | 1,830 |
| Tier 1 risk-based capital ratio | 14.3824% | 3,454 |
| Total risk-based capital ratio | 15.3659% | 3,537 |
| Memoranda: | ||
| Average total assets | $170,484,000 | 3,317 |
| Average earning assets | $158,208,500 | 3,304 |
| Average equity | $20,177,500 | 3,179 |
| Average total loans | $111,663,000 | 3,217 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9376% | 3,573 |
| Cost of funding earning assets | 0.5973% | 1,375 |
| Net interest margin | 3.3403% | 4,148 |
| Noninterest income to average assets | 1.2102% | 814 |
| Noninterest expense to average assets | 3.2247% | 1,903 |
| Loan and lease loss provision to assets | -0.0769% | 5,808 |
| Net operating income to assets | 0.7435% | 3,604 |
| Return on assets (ROA) | 0.7723% | 3,532 |
| Pretax return on assets | 1.1665% | 2,785 |
| Return on Equity (ROE) | 6.4656% | 3,798 |
| Retained earnings to average equity (ytd only) | 5.3589% | 2,168 |
| Net charge-offs to loans | 0.0161% | 3,967 |
| Credit loss provision to net charge-offs | -735.2941% | 5,515 |
| Earnings coverage of net charge-offs (x) | 100.0588% | 573 |
| Efficiency ratio | 75.5076% | 2,350 |
| Assets per employee ($millions) | 4.7964% | 2,611 |
| Cash dividends to net income (ytd only)* | 17.1178% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,169.2982% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 3,632 |
| Noncurrent loans to loans | 0.1036% | 5,084 |
| Net loans and leases to total assets | 64.7375% | 3,158 |
| Net loans and leases to deposits | 81.3811% | 2,665 |
| Net loans and leases to core deposits | 88.2155% | 2,580 |
| Total domestic deposits to total assets | 79.5485% | 4,855 |
| Equity capital to assets | 11.9154% | 2,021 |
| Core capital (leverage) ratio | 11.8267% | 1,739 |
| Tier 1 risk-based capital ratio | 15.0284% | 3,170 |
| Total risk-based capital ratio | 16.0512% | 3,208 |
| Memoranda: | ||
| Average total assets | $162,621,800 | 3,396 |
| Average earning assets | $148,998,400 | 3,422 |
| Average equity | $19,425,800 | 3,227 |
| Average total loans | $105,630,600 | 3,288 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 3,886 |
| Cost of funding earning assets | 0.6052% | 1,375 |
| Net interest margin | 3.2570% | 4,497 |
| Noninterest income to average assets | 1.2522% | 772 |
| Noninterest expense to average assets | 3.3310% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5790% | 4,479 |
| Return on assets (ROA) | 0.6183% | 4,400 |
| Pretax return on assets | 0.9530% | 3,810 |
| Return on Equity (ROE) | 5.1724% | 4,542 |
| Retained earnings to average equity (ytd only) | 3.8931% | 3,702 |
| Net charge-offs to loans | 0.0357% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 38.5738% | 1,282 |
| Efficiency ratio | 78.8650% | 1,831 |
| Assets per employee ($millions) | 4.8560% | 2,479 |
| Cash dividends to net income (ytd only)* | 24.7325% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 2,444 |
| Loan loss allowance to noncurrent loans | 264.7166% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 2,811 |
| Noncurrent loans to loans | 0.5411% | 3,722 |
| Net loans and leases to total assets | 60.3557% | 3,831 |
| Net loans and leases to deposits | 75.8924% | 3,317 |
| Net loans and leases to core deposits | 82.3845% | 3,214 |
| Total domestic deposits to total assets | 79.5279% | 4,851 |
| Equity capital to assets | 11.9301% | 2,157 |
| Core capital (leverage) ratio | 12.0726% | 1,639 |
| Tier 1 risk-based capital ratio | 15.6225% | 2,987 |
| Total risk-based capital ratio | 16.8023% | 2,954 |
| Memoranda: | ||
| Average total assets | $161,308,500 | 3,445 |
| Average earning assets | $147,166,250 | 3,477 |
| Average equity | $19,281,500 | 3,273 |
| Average total loans | $104,535,500 | 3,332 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,941 |
| Cost of funding earning assets | 0.6085% | 1,358 |
| Net interest margin | 3.2248% | 4,583 |
| Noninterest income to average assets | 1.2072% | 833 |
| Noninterest expense to average assets | 3.3978% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4866% | 4,825 |
| Return on assets (ROA) | 0.4874% | 4,923 |
| Pretax return on assets | 0.7710% | 4,421 |
| Return on Equity (ROE) | 4.0746% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.7686% | 4,290 |
| Net charge-offs to loans | -0.0416% | 5,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5292% | 1,553 |
| Assets per employee ($millions) | 4.8833% | 2,421 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 2,788 |
| Loan loss allowance to noncurrent loans | 449.8498% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 3,449 |
| Noncurrent loans to loans | 0.3100% | 4,581 |
| Net loans and leases to total assets | 65.7338% | 2,997 |
| Net loans and leases to deposits | 83.5153% | 2,381 |
| Net loans and leases to core deposits | 87.9167% | 2,562 |
| Total domestic deposits to total assets | 78.7087% | 5,156 |
| Equity capital to assets | 11.9684% | 2,055 |
| Core capital (leverage) ratio | 11.8767% | 1,729 |
| Tier 1 risk-based capital ratio | 14.8654% | 3,438 |
| Total risk-based capital ratio | 16.0504% | 3,404 |
| Memoranda: | ||
| Average total assets | $160,043,670 | 3,486 |
| Average earning assets | $146,925,670 | 3,503 |
| Average equity | $19,143,000 | 3,304 |
| Average total loans | $105,681,670 | 3,333 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,015 |
| Cost of funding earning assets | 0.6067% | 1,386 |
| Net interest margin | 3.1919% | 4,637 |
| Noninterest income to average assets | 1.1186% | 906 |
| Noninterest expense to average assets | 3.3532% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4514% | 4,867 |
| Return on assets (ROA) | 0.4514% | 4,980 |
| Pretax return on assets | 0.6947% | 4,612 |
| Return on Equity (ROE) | 3.7754% | 5,077 |
| Retained earnings to average equity (ytd only) | 1.7828% | 4,754 |
| Net charge-offs to loans | -0.1946% | 6,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8377% | 1,517 |
| Assets per employee ($millions) | 4.7215% | 2,736 |
| Cash dividends to net income (ytd only)* | 52.7778% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 2,655 |
| Loan loss allowance to noncurrent loans | 323.9915% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 3,367 |
| Noncurrent loans to loans | 0.4488% | 4,239 |
| Net loans and leases to total assets | 64.4185% | 3,038 |
| Net loans and leases to deposits | 81.2667% | 2,416 |
| Net loans and leases to core deposits | 86.6132% | 2,481 |
| Total domestic deposits to total assets | 79.2680% | 5,217 |
| Equity capital to assets | 11.9566% | 2,060 |
| Core capital (leverage) ratio | 11.9152% | 1,693 |
| Tier 1 risk-based capital ratio | 16.1197% | 2,867 |
| Total risk-based capital ratio | 17.3705% | 2,799 |
| Memoranda: | ||
| Average total assets | $159,490,500 | 3,515 |
| Average earning assets | $146,370,000 | 3,532 |
| Average equity | $19,071,000 | 3,333 |
| Average total loans | $104,808,500 | 3,359 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 3,743 |
| Cost of funding earning assets | 0.6532% | 1,385 |
| Net interest margin | 3.3434% | 4,424 |
| Noninterest income to average assets | 1.0563% | 1,089 |
| Noninterest expense to average assets | 3.4514% | 1,594 |
| Loan and lease loss provision to assets | -0.3018% | 6,371 |
| Net operating income to assets | 0.6322% | 4,224 |
| Return on assets (ROA) | 0.6928% | 4,045 |
| Pretax return on assets | 1.0355% | 3,368 |
| Return on Equity (ROE) | 5.6021% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.3006% | 3,129 |
| Net charge-offs to loans | -0.1893% | 6,253 |
| Credit loss provision to net charge-offs | 240.6417% | 1,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2916% | 1,375 |
| Assets per employee ($millions) | 4.6603% | 2,780 |
| Cash dividends to net income (ytd only)* | 23.2333% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 2,907 |
| Loan loss allowance to noncurrent loans | 661.4350% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 3,894 |
| Noncurrent loans to loans | 0.2130% | 5,054 |
| Net loans and leases to total assets | 65.1337% | 3,030 |
| Net loans and leases to deposits | 82.2724% | 2,440 |
| Net loans and leases to core deposits | 88.5849% | 2,433 |
| Total domestic deposits to total assets | 79.1683% | 5,214 |
| Equity capital to assets | 11.9583% | 2,043 |
| Core capital (leverage) ratio | 12.0604% | 1,587 |
| Tier 1 risk-based capital ratio | 16.1576% | 2,885 |
| Total risk-based capital ratio | 17.4083% | 2,829 |
| Memoranda: | ||
| Average total assets | $149,099,600 | 3,644 |
| Average earning assets | $135,492,000 | 3,666 |
| Average equity | $18,439,400 | 3,354 |
| Average total loans | $98,775,600 | 3,451 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 3,664 |
| Cost of funding earning assets | 0.6629% | 1,375 |
| Net interest margin | 3.3615% | 4,386 |
| Noninterest income to average assets | 1.0556% | 1,102 |
| Noninterest expense to average assets | 3.5222% | 1,429 |
| Loan and lease loss provision to assets | -0.1817% | 6,370 |
| Net operating income to assets | 0.5214% | 4,794 |
| Return on assets (ROA) | 0.5315% | 4,827 |
| Pretax return on assets | 0.7749% | 4,451 |
| Return on Equity (ROE) | 4.2593% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.1672% | 4,373 |
| Net charge-offs to loans | -0.2699% | 6,370 |
| Credit loss provision to net charge-offs | 101.5228% | 2,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8883% | 1,192 |
| Assets per employee ($millions) | 4.3702% | 3,178 |
| Cash dividends to net income (ytd only)* | 25.6417% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 1,807 |
| Loan loss allowance to noncurrent loans | 363.7317% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 3,522 |
| Noncurrent loans to loans | 0.4829% | 4,462 |
| Net loans and leases to total assets | 63.4516% | 3,272 |
| Net loans and leases to deposits | 80.6966% | 2,589 |
| Net loans and leases to core deposits | 86.3907% | 2,626 |
| Total domestic deposits to total assets | 78.6298% | 5,408 |
| Equity capital to assets | 12.1466% | 1,950 |
| Core capital (leverage) ratio | 12.2401% | 1,554 |
| Tier 1 risk-based capital ratio | 16.4094% | 2,850 |
| Total risk-based capital ratio | 17.6628% | 2,807 |
| Memoranda: | ||
| Average total assets | $146,761,750 | 3,713 |
| Average earning assets | $132,952,500 | 3,735 |
| Average equity | $18,312,250 | 3,385 |
| Average total loans | $97,299,500 | 3,505 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 3,629 |
| Cost of funding earning assets | 0.6732% | 1,352 |
| Net interest margin | 3.3536% | 4,385 |
| Noninterest income to average assets | 0.9261% | 1,408 |
| Noninterest expense to average assets | 3.5080% | 1,464 |
| Loan and lease loss provision to assets | -0.2764% | 6,520 |
| Net operating income to assets | 0.4802% | 4,895 |
| Return on assets (ROA) | 0.4948% | 4,909 |
| Pretax return on assets | 0.7464% | 4,473 |
| Return on Equity (ROE) | 3.9290% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.0510% | 4,264 |
| Net charge-offs to loans | -0.4029% | 6,485 |
| Credit loss provision to net charge-offs | 102.5641% | 1,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6792% | 1,028 |
| Assets per employee ($millions) | 3.9557% | 3,935 |
| Cash dividends to net income (ytd only)* | 22.3464% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 1,966 |
| Loan loss allowance to noncurrent loans | 345.9082% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 3,283 |
| Noncurrent loans to loans | 0.5071% | 4,476 |
| Net loans and leases to total assets | 66.3150% | 2,708 |
| Net loans and leases to deposits | 85.2503% | 1,893 |
| Net loans and leases to core deposits | 91.0233% | 2,030 |
| Total domestic deposits to total assets | 77.7886% | 5,678 |
| Equity capital to assets | 12.5996% | 1,581 |
| Core capital (leverage) ratio | 12.6134% | 1,338 |
| Tier 1 risk-based capital ratio | 16.3962% | 2,881 |
| Total risk-based capital ratio | 17.6507% | 2,834 |
| Memoranda: | ||
| Average total assets | $144,697,000 | 3,766 |
| Average earning assets | $130,725,330 | 3,791 |
| Average equity | $18,223,330 | 3,399 |
| Average total loans | $96,803,330 | 3,521 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 3,774 |
| Cost of funding earning assets | 0.6775% | 1,386 |
| Net interest margin | 3.3013% | 4,534 |
| Noninterest income to average assets | 0.8230% | 1,659 |
| Noninterest expense to average assets | 3.3726% | 1,773 |
| Loan and lease loss provision to assets | -0.5561% | 6,671 |
| Net operating income to assets | 0.6175% | 4,111 |
| Return on assets (ROA) | 0.6228% | 4,164 |
| Pretax return on assets | 0.9954% | 3,335 |
| Return on Equity (ROE) | 4.9463% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.9463% | 3,143 |
| Net charge-offs to loans | -0.7390% | 6,604 |
| Credit loss provision to net charge-offs | 112.9944% | 1,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6696% | 1,161 |
| Assets per employee ($millions) | 3.8639% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 2,110 |
| Loan loss allowance to noncurrent loans | 371.2121% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 3,074 |
| Noncurrent loans to loans | 0.4790% | 4,725 |
| Net loans and leases to total assets | 66.2626% | 2,523 |
| Net loans and leases to deposits | 86.0096% | 1,606 |
| Net loans and leases to core deposits | 90.5364% | 1,870 |
| Total domestic deposits to total assets | 77.0409% | 5,961 |
| Equity capital to assets | 12.7837% | 1,407 |
| Core capital (leverage) ratio | 12.5237% | 1,376 |
| Tier 1 risk-based capital ratio | 17.1048% | 2,640 |
| Total risk-based capital ratio | 18.3595% | 2,588 |
| Memoranda: | ||
| Average total assets | $143,864,500 | 3,807 |
| Average earning assets | $129,888,500 | 3,835 |
| Average equity | $18,114,500 | 3,408 |
| Average total loans | $95,808,500 | 3,563 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,897 |
| Cost of funding earning assets | 0.8591% | 915 |
| Net interest margin | 3.1972% | 5,011 |
| Noninterest income to average assets | 1.0234% | 1,337 |
| Noninterest expense to average assets | 3.4011% | 1,879 |
| Loan and lease loss provision to assets | -0.1749% | 6,575 |
| Net operating income to assets | 0.4513% | 4,946 |
| Return on assets (ROA) | 0.5281% | 4,729 |
| Pretax return on assets | 0.7835% | 4,207 |
| Return on Equity (ROE) | 4.2286% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.2286% | 3,168 |
| Net charge-offs to loans | 0.0264% | 4,893 |
| Credit loss provision to net charge-offs | -1,086.9565% | 6,237 |
| Earnings coverage of net charge-offs (x) | 30.6957% | 1,162 |
| Efficiency ratio | 87.3204% | 1,288 |
| Assets per employee ($millions) | 4.0213% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 1,988 |
| Loan loss allowance to noncurrent loans | 277.1930% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 3,069 |
| Noncurrent loans to loans | 0.6588% | 4,321 |
| Net loans and leases to total assets | 64.5407% | 2,946 |
| Net loans and leases to deposits | 81.9293% | 2,186 |
| Net loans and leases to core deposits | 89.5527% | 2,077 |
| Total domestic deposits to total assets | 78.7761% | 5,694 |
| Equity capital to assets | 12.4014% | 1,567 |
| Core capital (leverage) ratio | 12.3330% | 1,434 |
| Tier 1 risk-based capital ratio | 16.9261% | 2,642 |
| Total risk-based capital ratio | 18.1811% | 2,601 |
| Memoranda: | ||
| Average total assets | $142,955,800 | 3,831 |
| Average earning assets | $128,392,400 | 3,879 |
| Average equity | $17,854,600 | 3,440 |
| Average total loans | $87,103,000 | 3,756 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 4,001 |
| Cost of funding earning assets | 0.8830% | 894 |
| Net interest margin | 3.1505% | 5,148 |
| Noninterest income to average assets | 1.0872% | 1,242 |
| Noninterest expense to average assets | 3.3533% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3956% | 5,257 |
| Return on assets (ROA) | 0.4847% | 5,025 |
| Pretax return on assets | 0.6867% | 4,730 |
| Return on Equity (ROE) | 3.8735% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.8735% | 3,933 |
| Net charge-offs to loans | 0.0533% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.6479% | 1,721 |
| Efficiency ratio | 85.6597% | 1,393 |
| Assets per employee ($millions) | 4.0266% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2900% | 1,197 |
| Loan loss allowance to noncurrent loans | 670.1695% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.9771% | 3,703 |
| Noncurrent loans to loans | 0.3417% | 5,363 |
| Net loans and leases to total assets | 59.8555% | 3,718 |
| Net loans and leases to deposits | 76.3719% | 2,900 |
| Net loans and leases to core deposits | 86.5197% | 2,345 |
| Total domestic deposits to total assets | 78.3738% | 5,847 |
| Equity capital to assets | 12.6239% | 1,516 |
| Core capital (leverage) ratio | 12.2576% | 1,544 |
| Tier 1 risk-based capital ratio | 18.3734% | 2,184 |
| Total risk-based capital ratio | 19.6337% | 2,148 |
| Memoranda: | ||
| Average total assets | $142,503,250 | 3,877 |
| Average earning assets | $127,893,750 | 3,922 |
| Average equity | $17,830,000 | 3,486 |
| Average total loans | $85,086,000 | 3,837 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 4,036 |
| Cost of funding earning assets | 0.9577% | 690 |
| Net interest margin | 3.0604% | 5,396 |
| Noninterest income to average assets | 1.0921% | 1,279 |
| Noninterest expense to average assets | 3.3532% | 1,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3370% | 5,458 |
| Return on assets (ROA) | 0.4055% | 5,362 |
| Pretax return on assets | 0.5803% | 5,097 |
| Return on Equity (ROE) | 3.2506% | 5,519 |
| Retained earnings to average equity (ytd only) | 3.2506% | 4,236 |
| Net charge-offs to loans | -0.0047% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4225% | 1,287 |
| Assets per employee ($millions) | 4.0478% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3811% | 1,116 |
| Loan loss allowance to noncurrent loans | 405.8468% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 1.2995% | 3,177 |
| Noncurrent loans to loans | 0.5867% | 4,788 |
| Net loans and leases to total assets | 58.2522% | 3,941 |
| Net loans and leases to deposits | 73.4533% | 3,232 |
| Net loans and leases to core deposits | 83.2429% | 2,660 |
| Total domestic deposits to total assets | 79.3050% | 5,754 |
| Equity capital to assets | 12.4760% | 1,591 |
| Core capital (leverage) ratio | 12.0857% | 1,573 |
| Tier 1 risk-based capital ratio | 18.3005% | 2,210 |
| Total risk-based capital ratio | 19.5619% | 2,171 |
| Memoranda: | ||
| Average total assets | $143,027,330 | 3,895 |
| Average earning assets | $128,217,330 | 3,940 |
| Average equity | $17,843,000 | 3,509 |
| Average total loans | $84,670,670 | 3,860 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,994 |
| Cost of funding earning assets | 1.0039% | 601 |
| Net interest margin | 3.0272% | 5,495 |
| Noninterest income to average assets | 0.9993% | 1,462 |
| Noninterest expense to average assets | 3.2344% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3674% | 5,273 |
| Return on assets (ROA) | 0.3674% | 5,405 |
| Pretax return on assets | 0.4760% | 5,338 |
| Return on Equity (ROE) | 2.9453% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.9453% | 4,516 |
| Net charge-offs to loans | 0.0094% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 438 |
| Efficiency ratio | 87.1718% | 1,402 |
| Assets per employee ($millions) | 4.2206% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3966% | 1,256 |
| Loan loss allowance to noncurrent loans | 406.6802% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 3,557 |
| Noncurrent loans to loans | 0.5893% | 4,964 |
| Net loans and leases to total assets | 57.0157% | 3,923 |
| Net loans and leases to deposits | 71.8121% | 3,205 |
| Net loans and leases to core deposits | 83.1457% | 2,441 |
| Total domestic deposits to total assets | 79.3957% | 5,895 |
| Equity capital to assets | 12.5304% | 1,693 |
| Core capital (leverage) ratio | 11.9423% | 1,603 |
| Tier 1 risk-based capital ratio | 18.1872% | 2,289 |
| Total risk-based capital ratio | 19.4486% | 2,255 |
| Memoranda: | ||
| Average total assets | $143,705,000 | 3,919 |
| Average earning assets | $128,699,500 | 3,967 |
| Average equity | $17,927,000 | 3,536 |
| Average total loans | $84,736,000 | 3,877 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 3,852 |
| Cost of funding earning assets | 1.2061% | 557 |
| Net interest margin | 3.1836% | 5,609 |
| Noninterest income to average assets | 1.0007% | 1,530 |
| Noninterest expense to average assets | 3.4039% | 2,036 |
| Loan and lease loss provision to assets | -0.2141% | 6,985 |
| Net operating income to assets | 0.3777% | 5,191 |
| Return on assets (ROA) | 0.3777% | 5,421 |
| Pretax return on assets | 0.6125% | 4,961 |
| Return on Equity (ROE) | 3.0920% | 5,520 |
| Retained earnings to average equity (ytd only) | 3.0920% | 4,058 |
| Net charge-offs to loans | -0.0593% | 6,733 |
| Credit loss provision to net charge-offs | 632.6531% | 386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5205% | 1,109 |
| Assets per employee ($millions) | 4.1117% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3480% | 1,311 |
| Loan loss allowance to noncurrent loans | 406.2626% | 983 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 3,522 |
| Noncurrent loans to loans | 0.5780% | 5,082 |
| Net loans and leases to total assets | 58.1158% | 3,961 |
| Net loans and leases to deposits | 75.7769% | 2,837 |
| Net loans and leases to core deposits | 89.4320% | 1,904 |
| Total domestic deposits to total assets | 76.6932% | 6,264 |
| Equity capital to assets | 12.4195% | 1,768 |
| Core capital (leverage) ratio | 11.5986% | 1,806 |
| Tier 1 risk-based capital ratio | 18.0232% | 2,252 |
| Total risk-based capital ratio | 19.2850% | 2,225 |
| Memoranda: | ||
| Average total assets | $144,805,200 | 3,861 |
| Average earning assets | $127,435,000 | 3,960 |
| Average equity | $17,691,000 | 3,513 |
| Average total loans | $82,561,600 | 3,957 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 3,916 |
| Cost of funding earning assets | 1.2222% | 631 |
| Net interest margin | 3.2095% | 5,679 |
| Noninterest income to average assets | 0.9956% | 1,511 |
| Noninterest expense to average assets | 3.2774% | 2,334 |
| Loan and lease loss provision to assets | -0.0561% | 7,004 |
| Net operating income to assets | 0.4146% | 5,186 |
| Return on assets (ROA) | 0.4146% | 5,416 |
| Pretax return on assets | 0.5819% | 5,227 |
| Return on Equity (ROE) | 3.4078% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.4078% | 4,467 |
| Net charge-offs to loans | 0.0603% | 4,820 |
| Credit loss provision to net charge-offs | -164.8649% | 6,300 |
| Earnings coverage of net charge-offs (x) | 15.4602% | 1,758 |
| Efficiency ratio | 86.1736% | 1,363 |
| Assets per employee ($millions) | 4.1529% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6605% | 1,018 |
| Loan loss allowance to noncurrent loans | 401.1070% | 937 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 3,352 |
| Noncurrent loans to loans | 0.6633% | 5,117 |
| Net loans and leases to total assets | 54.7216% | 4,637 |
| Net loans and leases to deposits | 71.8101% | 3,640 |
| Net loans and leases to core deposits | 84.6772% | 2,619 |
| Total domestic deposits to total assets | 76.2033% | 6,357 |
| Equity capital to assets | 12.4085% | 1,956 |
| Core capital (leverage) ratio | 11.6069% | 1,909 |
| Tier 1 risk-based capital ratio | 18.1881% | 2,269 |
| Total risk-based capital ratio | 19.4521% | 2,243 |
| Memoranda: | ||
| Average total assets | $145,028,750 | 3,898 |
| Average earning assets | $126,870,000 | 3,998 |
| Average equity | $17,645,500 | 3,551 |
| Average total loans | $81,790,500 | 4,029 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 3,927 |
| Cost of funding earning assets | 1.2557% | 630 |
| Net interest margin | 3.2080% | 5,710 |
| Noninterest income to average assets | 0.9108% | 1,745 |
| Noninterest expense to average assets | 3.2252% | 2,508 |
| Loan and lease loss provision to assets | -0.0842% | 7,099 |
| Net operating income to assets | 0.4044% | 5,200 |
| Return on assets (ROA) | 0.4044% | 5,436 |
| Pretax return on assets | 0.5727% | 5,239 |
| Return on Equity (ROE) | 3.3456% | 5,544 |
| Retained earnings to average equity (ytd only) | 3.3456% | 4,373 |
| Net charge-offs to loans | -0.0733% | 6,781 |
| Credit loss provision to net charge-offs | 203.3333% | 1,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8450% | 1,356 |
| Assets per employee ($millions) | 4.6703% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7155% | 1,017 |
| Loan loss allowance to noncurrent loans | 213.4286% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 1.5935% | 3,331 |
| Noncurrent loans to loans | 1.2723% | 4,009 |
| Net loans and leases to total assets | 55.4538% | 4,552 |
| Net loans and leases to deposits | 72.5284% | 3,530 |
| Net loans and leases to core deposits | 85.0677% | 2,552 |
| Total domestic deposits to total assets | 76.4581% | 6,400 |
| Equity capital to assets | 12.1502% | 2,028 |
| Core capital (leverage) ratio | 11.3506% | 2,011 |
| Tier 1 risk-based capital ratio | 17.8017% | 2,362 |
| Total risk-based capital ratio | 19.0665% | 2,319 |
| Memoranda: | ||
| Average total assets | $144,921,000 | 3,923 |
| Average earning assets | $126,621,670 | 4,021 |
| Average equity | $17,515,330 | 3,568 |
| Average total loans | $81,816,330 | 4,044 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 3,598 |
| Cost of funding earning assets | 1.3102% | 608 |
| Net interest margin | 3.2692% | 5,577 |
| Noninterest income to average assets | 0.6207% | 3,099 |
| Noninterest expense to average assets | 3.1091% | 2,889 |
| Loan and lease loss provision to assets | -0.1959% | 7,208 |
| Net operating income to assets | 0.3862% | 5,317 |
| Return on assets (ROA) | 0.3862% | 5,497 |
| Pretax return on assets | 0.5573% | 5,248 |
| Return on Equity (ROE) | 3.2041% | 5,632 |
| Retained earnings to average equity (ytd only) | 3.2041% | 4,644 |
| Net charge-offs to loans | -0.0589% | 6,597 |
| Credit loss provision to net charge-offs | 591.6667% | 578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5866% | 1,133 |
| Assets per employee ($millions) | 4.6879% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6694% | 1,155 |
| Loan loss allowance to noncurrent loans | 406.8015% | 837 |
| Noncurrent assets plus other real estate owned to assets | 1.5015% | 3,610 |
| Noncurrent loans to loans | 0.6562% | 5,331 |
| Net loans and leases to total assets | 55.5235% | 4,466 |
| Net loans and leases to deposits | 72.5373% | 3,348 |
| Net loans and leases to core deposits | 85.4684% | 2,350 |
| Total domestic deposits to total assets | 76.5448% | 6,486 |
| Equity capital to assets | 12.1219% | 1,957 |
| Core capital (leverage) ratio | 11.2196% | 2,099 |
| Tier 1 risk-based capital ratio | 17.7034% | 2,403 |
| Total risk-based capital ratio | 18.9677% | 2,367 |
| Memoranda: | ||
| Average total assets | $144,991,500 | 3,956 |
| Average earning assets | $126,393,500 | 4,052 |
| Average equity | $17,477,500 | 3,573 |
| Average total loans | $81,461,000 | 4,076 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 4,591 |
| Cost of funding earning assets | 1.6127% | 454 |
| Net interest margin | 3.0071% | 6,522 |
| Noninterest income to average assets | 0.7352% | 2,418 |
| Noninterest expense to average assets | 2.9320% | 3,834 |
| Loan and lease loss provision to assets | 0.0234% | 6,286 |
| Net operating income to assets | 0.2886% | 5,296 |
| Return on assets (ROA) | 0.3342% | 5,286 |
| Pretax return on assets | 0.4685% | 5,080 |
| Return on Equity (ROE) | 2.9747% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.9747% | 4,117 |
| Net charge-offs to loans | 0.8370% | 2,072 |
| Credit loss provision to net charge-offs | 5.0946% | 6,043 |
| Earnings coverage of net charge-offs (x) | 0.9316% | 5,107 |
| Efficiency ratio | 87.2687% | 1,419 |
| Assets per employee ($millions) | 4.6664% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8393% | 937 |
| Loan loss allowance to noncurrent loans | 780.7560% | 478 |
| Noncurrent assets plus other real estate owned to assets | 1.8602% | 3,171 |
| Noncurrent loans to loans | 0.3637% | 5,993 |
| Net loans and leases to total assets | 53.7457% | 5,073 |
| Net loans and leases to deposits | 70.1507% | 4,069 |
| Net loans and leases to core deposits | 82.9303% | 3,036 |
| Total domestic deposits to total assets | 76.6147% | 6,391 |
| Equity capital to assets | 11.9861% | 2,141 |
| Core capital (leverage) ratio | 10.6038% | 2,615 |
| Tier 1 risk-based capital ratio | 17.9805% | 2,191 |
| Total risk-based capital ratio | 19.2520% | 2,164 |
| Memoranda: | ||
| Average total assets | $149,625,800 | 3,806 |
| Average earning assets | $130,591,000 | 3,918 |
| Average equity | $16,808,400 | 3,606 |
| Average total loans | $82,075,600 | 4,077 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 4,675 |
| Cost of funding earning assets | 1.5944% | 596 |
| Net interest margin | 3.0553% | 6,484 |
| Noninterest income to average assets | 0.6911% | 2,660 |
| Noninterest expense to average assets | 2.9173% | 3,853 |
| Loan and lease loss provision to assets | 0.0177% | 6,218 |
| Net operating income to assets | 0.3042% | 5,379 |
| Return on assets (ROA) | 0.3137% | 5,521 |
| Pretax return on assets | 0.4383% | 5,345 |
| Return on Equity (ROE) | 2.8384% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.8384% | 4,653 |
| Net charge-offs to loans | 1.2285% | 1,266 |
| Credit loss provision to net charge-offs | 2.6281% | 5,720 |
| Earnings coverage of net charge-offs (x) | 0.6583% | 5,131 |
| Efficiency ratio | 86.8227% | 1,452 |
| Assets per employee ($millions) | 4.9019% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6185% | 1,244 |
| Loan loss allowance to noncurrent loans | 290.6791% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 2.1506% | 2,975 |
| Noncurrent loans to loans | 0.9008% | 5,066 |
| Net loans and leases to total assets | 53.4256% | 5,258 |
| Net loans and leases to deposits | 70.4700% | 4,226 |
| Net loans and leases to core deposits | 84.3533% | 3,012 |
| Total domestic deposits to total assets | 75.8132% | 6,551 |
| Equity capital to assets | 11.3123% | 2,855 |
| Core capital (leverage) ratio | 10.4127% | 2,981 |
| Tier 1 risk-based capital ratio | 16.7361% | 2,745 |
| Total risk-based capital ratio | 17.9992% | 2,716 |
| Memoranda: | ||
| Average total assets | $150,867,500 | 3,810 |
| Average earning assets | $131,788,750 | 3,922 |
| Average equity | $16,675,750 | 3,632 |
| Average total loans | $82,589,500 | 4,104 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 4,764 |
| Cost of funding earning assets | 1.6216% | 644 |
| Net interest margin | 3.0269% | 6,560 |
| Noninterest income to average assets | 0.6272% | 2,964 |
| Noninterest expense to average assets | 2.9275% | 3,913 |
| Loan and lease loss provision to assets | 0.0066% | 6,174 |
| Net operating income to assets | 0.2709% | 5,479 |
| Return on assets (ROA) | 0.2870% | 5,557 |
| Pretax return on assets | 0.3548% | 5,531 |
| Return on Equity (ROE) | 2.6175% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.6175% | 4,626 |
| Net charge-offs to loans | 1.3652% | 1,111 |
| Credit loss provision to net charge-offs | 0.8897% | 5,330 |
| Earnings coverage of net charge-offs (x) | 0.4573% | 4,959 |
| Efficiency ratio | 89.5528% | 1,271 |
| Assets per employee ($millions) | 5.0554% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7744% | 1,100 |
| Loan loss allowance to noncurrent loans | 120.0811% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 2.1706% | 3,026 |
| Noncurrent loans to loans | 2.3105% | 3,084 |
| Net loans and leases to total assets | 54.7161% | 5,194 |
| Net loans and leases to deposits | 72.0364% | 4,110 |
| Net loans and leases to core deposits | 87.4647% | 2,709 |
| Total domestic deposits to total assets | 75.9562% | 6,604 |
| Equity capital to assets | 11.1492% | 2,812 |
| Core capital (leverage) ratio | 10.4119% | 2,810 |
| Tier 1 risk-based capital ratio | 16.2360% | 2,866 |
| Total risk-based capital ratio | 17.5010% | 2,828 |
| Memoranda: | ||
| Average total assets | $150,503,670 | 3,838 |
| Average earning assets | $131,354,670 | 3,950 |
| Average equity | $16,504,330 | 3,650 |
| Average total loans | $82,330,000 | 4,148 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 4,987 |
| Cost of funding earning assets | 1.6892% | 581 |
| Net interest margin | 2.9019% | 6,759 |
| Noninterest income to average assets | 0.6777% | 2,686 |
| Noninterest expense to average assets | 2.9081% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2901% | 5,455 |
| Return on assets (ROA) | 0.3282% | 5,351 |
| Pretax return on assets | 0.3442% | 5,527 |
| Return on Equity (ROE) | 3.0180% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.0180% | 4,351 |
| Net charge-offs to loans | 0.7869% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7170% | 4,099 |
| Efficiency ratio | 90.5316% | 1,288 |
| Assets per employee ($millions) | 4.9798% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3510% | 689 |
| Loan loss allowance to noncurrent loans | 207.5826% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 1.8461% | 3,500 |
| Noncurrent loans to loans | 1.6143% | 4,055 |
| Net loans and leases to total assets | 53.3803% | 5,396 |
| Net loans and leases to deposits | 70.3696% | 4,292 |
| Net loans and leases to core deposits | 85.4545% | 2,962 |
| Total domestic deposits to total assets | 75.8571% | 6,690 |
| Equity capital to assets | 11.0406% | 2,645 |
| Core capital (leverage) ratio | 10.1616% | 2,961 |
| Tier 1 risk-based capital ratio | 16.3221% | 2,742 |
| Total risk-based capital ratio | 17.5932% | 2,701 |
| Memoranda: | ||
| Average total assets | $149,925,000 | 3,880 |
| Average earning assets | $130,948,500 | 4,005 |
| Average equity | $16,302,000 | 3,676 |
| Average total loans | $80,819,500 | 4,225 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 6,048 |
| Cost of funding earning assets | 2.0738% | 467 |
| Net interest margin | 2.5491% | 7,243 |
| Noninterest income to average assets | 0.4736% | 4,361 |
| Noninterest expense to average assets | 3.2862% | 2,776 |
| Loan and lease loss provision to assets | 0.8539% | 1,918 |
| Net operating income to assets | -0.9918% | 6,676 |
| Return on assets (ROA) | -0.9472% | 6,688 |
| Pretax return on assets | -1.3886% | 6,815 |
| Return on Equity (ROE) | -9.4856% | 6,709 |
| Retained earnings to average equity (ytd only) | -9.4856% | 6,639 |
| Net charge-offs to loans | 0.5654% | 3,355 |
| Credit loss provision to net charge-offs | 280.1724% | 968 |
| Earnings coverage of net charge-offs (x) | -1.9698% | 6,704 |
| Efficiency ratio | 122.3527% | 386 |
| Assets per employee ($millions) | 4.7018% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6953% | 514 |
| Loan loss allowance to noncurrent loans | 267.0320% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6842% | 3,774 |
| Noncurrent loans to loans | 1.3839% | 4,409 |
| Net loans and leases to total assets | 50.6480% | 6,092 |
| Net loans and leases to deposits | 66.4032% | 5,352 |
| Net loans and leases to core deposits | 76.0228% | 4,713 |
| Total domestic deposits to total assets | 76.2735% | 6,603 |
| Equity capital to assets | 10.7074% | 2,947 |
| Core capital (leverage) ratio | 9.6942% | 3,436 |
| Tier 1 risk-based capital ratio | 16.8274% | 2,414 |
| Total risk-based capital ratio | 18.1037% | 2,370 |
| Memoranda: | ||
| Average total assets | $152,243,000 | 3,841 |
| Average earning assets | $132,123,800 | 3,972 |
| Average equity | $15,202,000 | 3,904 |
| Average total loans | $82,060,000 | 4,276 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 6,431 |
| Cost of funding earning assets | 2.1243% | 493 |
| Net interest margin | 2.4402% | 7,409 |
| Noninterest income to average assets | 0.6767% | 2,968 |
| Noninterest expense to average assets | 3.1767% | 3,008 |
| Loan and lease loss provision to assets | 1.3098% | 1,060 |
| Net operating income to assets | -1.0671% | 6,933 |
| Return on assets (ROA) | -1.0112% | 6,955 |
| Pretax return on assets | -1.6111% | 7,080 |
| Return on Equity (ROE) | -10.3103% | 6,943 |
| Retained earnings to average equity (ytd only) | -10.3103% | 6,894 |
| Net charge-offs to loans | 0.7311% | 2,591 |
| Credit loss provision to net charge-offs | 330.3965% | 961 |
| Earnings coverage of net charge-offs (x) | -0.9802% | 6,443 |
| Efficiency ratio | 113.9367% | 465 |
| Assets per employee ($millions) | 4.8655% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8349% | 422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 5,007 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 50.4923% | 6,272 |
| Net loans and leases to deposits | 65.7662% | 5,693 |
| Net loans and leases to core deposits | 76.7275% | 4,962 |
| Total domestic deposits to total assets | 76.7754% | 6,536 |
| Equity capital to assets | 10.6168% | 3,391 |
| Core capital (leverage) ratio | 10.3933% | 2,810 |
| Tier 1 risk-based capital ratio | 17.9263% | 2,046 |
| Total risk-based capital ratio | 19.2032% | 1,998 |
| Memoranda: | ||
| Average total assets | $152,689,750 | 3,884 |
| Average earning assets | $132,119,000 | 4,029 |
| Average equity | $14,975,000 | 3,990 |
| Average total loans | $82,793,250 | 4,326 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 6,614 |
| Cost of funding earning assets | 2.1543% | 542 |
| Net interest margin | 2.3852% | 7,491 |
| Noninterest income to average assets | 0.5604% | 3,628 |
| Noninterest expense to average assets | 3.1103% | 3,268 |
| Loan and lease loss provision to assets | 1.9778% | 620 |
| Net operating income to assets | -1.5493% | 7,166 |
| Return on assets (ROA) | -1.4978% | 7,160 |
| Pretax return on assets | -2.3904% | 7,343 |
| Return on Equity (ROE) | -15.7159% | 7,165 |
| Retained earnings to average equity (ytd only) | -15.7159% | 7,127 |
| Net charge-offs to loans | 0.7024% | 2,464 |
| Credit loss provision to net charge-offs | 513.6986% | 722 |
| Earnings coverage of net charge-offs (x) | -1.2808% | 6,158 |
| Efficiency ratio | 118.8413% | 430 |
| Assets per employee ($millions) | 4.4738% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1579% | 322 |
| Loan loss allowance to noncurrent loans | 1,102.3411% | 309 |
| Noncurrent assets plus other real estate owned to assets | 1.8719% | 3,655 |
| Noncurrent loans to loans | 0.3772% | 6,483 |
| Net loans and leases to total assets | 48.5209% | 6,589 |
| Net loans and leases to deposits | 63.0665% | 6,132 |
| Net loans and leases to core deposits | 78.4137% | 4,879 |
| Total domestic deposits to total assets | 76.9360% | 6,520 |
| Equity capital to assets | 10.5549% | 3,341 |
| Core capital (leverage) ratio | 10.5631% | 2,572 |
| Tier 1 risk-based capital ratio | 18.3518% | 1,869 |
| Total risk-based capital ratio | 19.6318% | 1,832 |
| Memoranda: | ||
| Average total assets | $151,687,330 | 3,926 |
| Average earning assets | $130,807,000 | 4,074 |
| Average equity | $14,456,670 | 4,102 |
| Average total loans | $83,141,000 | 4,348 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 6,083 |
| Cost of funding earning assets | 2.2229% | 549 |
| Net interest margin | 2.5249% | 7,451 |
| Noninterest income to average assets | 0.4342% | 4,620 |
| Noninterest expense to average assets | 3.0903% | 3,310 |
| Loan and lease loss provision to assets | 4.0204% | 213 |
| Net operating income to assets | -2.8252% | 7,618 |
| Return on assets (ROA) | -2.7017% | 7,594 |
| Pretax return on assets | -4.3098% | 7,714 |
| Return on Equity (ROE) | -30.0414% | 7,570 |
| Retained earnings to average equity (ytd only) | -30.0414% | 7,541 |
| Net charge-offs to loans | 0.7993% | 1,934 |
| Credit loss provision to net charge-offs | 882.3529% | 525 |
| Earnings coverage of net charge-offs (x) | -1.0588% | 5,390 |
| Efficiency ratio | 118.4995% | 459 |
| Assets per employee ($millions) | 4.9522% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1254% | 335 |
| Loan loss allowance to noncurrent loans | 310.1633% | 968 |
| Noncurrent assets plus other real estate owned to assets | 2.2023% | 3,271 |
| Noncurrent loans to loans | 1.3301% | 4,760 |
| Net loans and leases to total assets | 51.7428% | 6,299 |
| Net loans and leases to deposits | 67.6446% | 5,635 |
| Net loans and leases to core deposits | 84.4083% | 4,152 |
| Total domestic deposits to total assets | 76.4922% | 6,665 |
| Equity capital to assets | 10.7342% | 3,019 |
| Core capital (leverage) ratio | 10.8869% | 2,298 |
| Tier 1 risk-based capital ratio | 16.6029% | 2,411 |
| Total risk-based capital ratio | 17.8815% | 2,357 |
| Memoranda: | ||
| Average total assets | $149,240,000 | 4,023 |
| Average earning assets | $128,478,000 | 4,181 |
| Average equity | $13,421,500 | 4,372 |
| Average total loans | $85,076,000 | 4,350 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5029% | 4,127 |
| Cost of funding earning assets | 2.5554% | 885 |
| Net interest margin | 2.9475% | 6,760 |
| Noninterest income to average assets | 0.7063% | 2,923 |
| Noninterest expense to average assets | 3.3343% | 2,892 |
| Loan and lease loss provision to assets | 2.7071% | 695 |
| Net operating income to assets | -1.6189% | 6,914 |
| Return on assets (ROA) | -1.3406% | 6,789 |
| Pretax return on assets | -2.2892% | 7,058 |
| Return on Equity (ROE) | -18.1028% | 7,085 |
| Retained earnings to average equity (ytd only) | -19.6777% | 7,096 |
| Net charge-offs to loans | 3.7716% | 476 |
| Credit loss provision to net charge-offs | 108.9724% | 5,072 |
| Earnings coverage of net charge-offs (x) | -0.0068% | 6,210 |
| Efficiency ratio | 100.5078% | 1,075 |
| Assets per employee ($millions) | 4.3928% | 3,123 |
| Cash dividends to net income (ytd only)* | -8.6999% | 7,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3918% | 1,358 |
| Loan loss allowance to noncurrent loans | 215.9255% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 2.2530% | 3,063 |
| Noncurrent loans to loans | 1.1077% | 5,112 |
| Net loans and leases to total assets | 58.7820% | 5,521 |
| Net loans and leases to deposits | 74.1229% | 5,019 |
| Net loans and leases to core deposits | 117.4223% | 2,183 |
| Total domestic deposits to total assets | 79.3034% | 5,900 |
| Equity capital to assets | 7.1495% | 7,293 |
| Core capital (leverage) ratio | 6.8572% | 7,339 |
| Tier 1 risk-based capital ratio | 10.1824% | 6,702 |
| Total risk-based capital ratio | 11.4429% | 6,665 |
| Memoranda: | ||
| Average total assets | $154,334,200 | 3,890 |
| Average earning assets | $136,727,400 | 3,964 |
| Average equity | $11,429,200 | 4,906 |
| Average total loans | $101,653,600 | 3,905 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4029% | 4,935 |
| Cost of funding earning assets | 2.6314% | 952 |
| Net interest margin | 2.7715% | 7,098 |
| Noninterest income to average assets | 0.6936% | 3,062 |
| Noninterest expense to average assets | 3.4524% | 2,410 |
| Loan and lease loss provision to assets | 1.6892% | 1,100 |
| Net operating income to assets | -1.2383% | 6,981 |
| Return on assets (ROA) | -0.9812% | 6,824 |
| Pretax return on assets | -1.5718% | 7,002 |
| Return on Equity (ROE) | -13.1443% | 7,082 |
| Retained earnings to average equity (ytd only) | -15.1964% | 7,146 |
| Net charge-offs to loans | 3.0038% | 556 |
| Credit loss provision to net charge-offs | 83.7199% | 5,660 |
| Earnings coverage of net charge-offs (x) | -0.1409% | 6,230 |
| Efficiency ratio | 108.9713% | 787 |
| Assets per employee ($millions) | 4.4607% | 2,925 |
| Cash dividends to net income (ytd only)* | -15.6112% | 7,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 3,922 |
| Loan loss allowance to noncurrent loans | 25.1017% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 5.0508% | 1,158 |
| Noncurrent loans to loans | 5.5902% | 1,112 |
| Net loans and leases to total assets | 64.8209% | 4,694 |
| Net loans and leases to deposits | 82.4646% | 3,926 |
| Net loans and leases to core deposits | 125.4209% | 1,776 |
| Total domestic deposits to total assets | 78.6045% | 5,929 |
| Equity capital to assets | 8.0256% | 6,828 |
| Core capital (leverage) ratio | 7.6077% | 6,850 |
| Tier 1 risk-based capital ratio | 10.5516% | 6,414 |
| Total risk-based capital ratio | 11.7956% | 6,381 |
| Memoranda: | ||
| Average total assets | $156,677,500 | 3,861 |
| Average earning assets | $139,897,000 | 3,926 |
| Average equity | $11,695,500 | 4,867 |
| Average total loans | $105,242,250 | 3,844 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 5,227 |
| Cost of funding earning assets | 2.7213% | 985 |
| Net interest margin | 2.6640% | 7,278 |
| Noninterest income to average assets | 0.7107% | 2,923 |
| Noninterest expense to average assets | 3.6663% | 1,904 |
| Loan and lease loss provision to assets | 1.8394% | 894 |
| Net operating income to assets | -1.4178% | 7,207 |
| Return on assets (ROA) | -1.0999% | 7,050 |
| Pretax return on assets | -1.9120% | 7,255 |
| Return on Equity (ROE) | -15.0824% | 7,332 |
| Retained earnings to average equity (ytd only) | -18.1709% | 7,399 |
| Net charge-offs to loans | 2.4282% | 730 |
| Credit loss provision to net charge-offs | 112.0427% | 4,131 |
| Earnings coverage of net charge-offs (x) | -0.3468% | 5,990 |
| Efficiency ratio | 118.3838% | 692 |
| Assets per employee ($millions) | 4.4019% | 2,933 |
| Cash dividends to net income (ytd only)* | -20.4778% | 7,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 1,980 |
| Loan loss allowance to noncurrent loans | 62.6276% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 3.2266% | 1,943 |
| Noncurrent loans to loans | 2.9118% | 2,470 |
| Net loans and leases to total assets | 66.4635% | 4,467 |
| Net loans and leases to deposits | 83.1772% | 4,016 |
| Net loans and leases to core deposits | 134.0942% | 1,313 |
| Total domestic deposits to total assets | 79.9059% | 5,505 |
| Equity capital to assets | 7.3131% | 7,407 |
| Core capital (leverage) ratio | 7.3655% | 7,170 |
| Tier 1 risk-based capital ratio | 10.1346% | 6,791 |
| Total risk-based capital ratio | 11.3843% | 6,714 |
| Memoranda: | ||
| Average total assets | $159,835,330 | 3,825 |
| Average earning assets | $143,167,000 | 3,874 |
| Average equity | $11,656,000 | 4,898 |
| Average total loans | $108,064,000 | 3,811 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 5,504 |
| Cost of funding earning assets | 2.7470% | 1,122 |
| Net interest margin | 2.6379% | 7,317 |
| Noninterest income to average assets | 0.6662% | 3,100 |
| Noninterest expense to average assets | 2.5098% | 5,801 |
| Loan and lease loss provision to assets | 2.3083% | 513 |
| Net operating income to assets | -0.7106% | 7,068 |
| Return on assets (ROA) | -0.0860% | 6,506 |
| Pretax return on assets | -0.7989% | 7,034 |
| Return on Equity (ROE) | -1.1814% | 6,569 |
| Retained earnings to average equity (ytd only) | -7.2571% | 6,825 |
| Net charge-offs to loans | 4.6604% | 237 |
| Credit loss provision to net charge-offs | 73.3021% | 4,290 |
| Earnings coverage of net charge-offs (x) | 0.1694% | 4,846 |
| Efficiency ratio | 82.4717% | 2,479 |
| Assets per employee ($millions) | 4.1595% | 3,339 |
| Cash dividends to net income (ytd only)* | -514.2857% | 8,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 4,173 |
| Loan loss allowance to noncurrent loans | 49.8400% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 2.1329% | 2,700 |
| Noncurrent loans to loans | 2.5748% | 2,561 |
| Net loans and leases to total assets | 66.4838% | 4,470 |
| Net loans and leases to deposits | 85.3662% | 3,742 |
| Net loans and leases to core deposits | 143.5703% | 950 |
| Total domestic deposits to total assets | 77.8807% | 6,054 |
| Equity capital to assets | 7.4374% | 7,405 |
| Core capital (leverage) ratio | 7.7393% | 6,838 |
| Tier 1 risk-based capital ratio | 10.4684% | 6,429 |
| Total risk-based capital ratio | 11.6353% | 6,423 |
| Memoranda: | ||
| Average total assets | $162,720,500 | 3,781 |
| Average earning assets | $146,634,500 | 3,818 |
| Average equity | $11,850,500 | 4,881 |
| Average total loans | $109,946,500 | 3,790 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4378% | 3,233 |
| Cost of funding earning assets | 3.0314% | 1,747 |
| Net interest margin | 3.4064% | 5,634 |
| Noninterest income to average assets | 0.9170% | 1,898 |
| Noninterest expense to average assets | 2.8394% | 4,650 |
| Loan and lease loss provision to assets | 1.4088% | 982 |
| Net operating income to assets | -0.1492% | 6,558 |
| Return on assets (ROA) | -0.1223% | 6,378 |
| Pretax return on assets | -0.2319% | 6,396 |
| Return on Equity (ROE) | -1.6414% | 6,457 |
| Retained earnings to average equity (ytd only) | -4.0469% | 6,333 |
| Net charge-offs to loans | 1.1391% | 1,065 |
| Credit loss provision to net charge-offs | 183.9450% | 2,703 |
| Earnings coverage of net charge-offs (x) | 1.4817% | 5,362 |
| Efficiency ratio | 71.4463% | 4,044 |
| Assets per employee ($millions) | 4.1852% | 3,149 |
| Cash dividends to net income (ytd only)* | -146.5517% | 8,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 2,339 |
| Loan loss allowance to noncurrent loans | 237.6022% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 4,725 |
| Noncurrent loans to loans | 0.6634% | 5,378 |
| Net loans and leases to total assets | 66.7175% | 4,703 |
| Net loans and leases to deposits | 92.6854% | 3,014 |
| Net loans and leases to core deposits | 151.7030% | 792 |
| Total domestic deposits to total assets | 71.9828% | 6,999 |
| Equity capital to assets | 7.1290% | 7,666 |
| Core capital (leverage) ratio | 7.4811% | 7,228 |
| Tier 1 risk-based capital ratio | 9.6411% | 7,158 |
| Total risk-based capital ratio | 10.8934% | 7,047 |
| Memoranda: | ||
| Average total assets | $142,317,800 | 4,038 |
| Average earning assets | $127,729,600 | 4,091 |
| Average equity | $10,600,600 | 5,240 |
| Average total loans | $95,687,400 | 4,063 |