Home > Sunshine Community Bank > Performance and Condition Ratios
Sunshine Community Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 1,954 |
| Cost of funding earning assets | 0.4810% | 2,951 |
| Net interest margin | 3.9902% | 1,758 |
| Noninterest income to average assets | 0.6941% | 1,854 |
| Noninterest expense to average assets | 3.7180% | 739 |
| Loan and lease loss provision to assets | 0.0580% | 2,609 |
| Net operating income to assets | 0.5162% | 4,650 |
| Return on assets (ROA) | 0.5162% | 4,649 |
| Pretax return on assets | 0.6554% | 4,557 |
| Return on Equity (ROE) | 5.5725% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.5725% | 2,920 |
| Net charge-offs to loans | 0.1543% | 913 |
| Credit loss provision to net charge-offs | 45.4545% | 1,980 |
| Earnings coverage of net charge-offs (x) | 5.5909% | 2,222 |
| Efficiency ratio | 83.7260% | 819 |
| Assets per employee ($millions) | 4.4395% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 5,151 |
| Loan loss allowance to noncurrent loans | 39.4495% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 1,099 |
| Noncurrent loans to loans | 1.5747% | 1,104 |
| Net loans and leases to total assets | 80.7048% | 835 |
| Net loans and leases to deposits | 111.5336% | 218 |
| Net loans and leases to core deposits | 111.9285% | 897 |
| Total domestic deposits to total assets | 72.3591% | 5,261 |
| Equity capital to assets | 8.9965% | 4,558 |
| Core capital (leverage) ratio | 8.9951% | 4,682 |
| Tier 1 risk-based capital ratio | 10.9544% | 5,155 |
| Total risk-based capital ratio | 11.6180% | 5,314 |
| Memoranda: | ||
| Average total assets | $206,886,500 | 2,871 |
| Average earning assets | $193,772,500 | 2,842 |
| Average equity | $19,165,500 | 3,234 |
| Average total loans | $171,103,500 | 2,460 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 1,965 |
| Cost of funding earning assets | 0.3538% | 3,676 |
| Net interest margin | 4.0679% | 1,539 |
| Noninterest income to average assets | 0.8456% | 1,424 |
| Noninterest expense to average assets | 4.0083% | 528 |
| Loan and lease loss provision to assets | 0.0938% | 2,331 |
| Net operating income to assets | -0.0150% | 5,373 |
| Return on assets (ROA) | -0.0150% | 5,376 |
| Pretax return on assets | 0.5352% | 4,872 |
| Return on Equity (ROE) | -0.1389% | 5,378 |
| Retained earnings to average equity (ytd only) | -0.1389% | 5,056 |
| Net charge-offs to loans | -0.0079% | 4,731 |
| Credit loss provision to net charge-offs | -1,458.3333% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2396% | 628 |
| Assets per employee ($millions) | 4.0955% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 5,147 |
| Loan loss allowance to noncurrent loans | 42.1472% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 1,024 |
| Noncurrent loans to loans | 1.5583% | 1,088 |
| Net loans and leases to total assets | 83.7377% | 471 |
| Net loans and leases to deposits | 115.0159% | 163 |
| Net loans and leases to core deposits | 115.4450% | 740 |
| Total domestic deposits to total assets | 72.8053% | 5,275 |
| Equity capital to assets | 9.5476% | 4,197 |
| Core capital (leverage) ratio | 9.9239% | 3,548 |
| Tier 1 risk-based capital ratio | 11.2944% | 4,986 |
| Total risk-based capital ratio | 12.0042% | 5,164 |
| Memoranda: | ||
| Average total assets | $186,487,600 | 3,056 |
| Average earning assets | $173,826,400 | 3,028 |
| Average equity | $20,151,400 | 3,127 |
| Average total loans | $152,028,600 | 2,635 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,004 |
| Cost of funding earning assets | 0.3274% | 3,871 |
| Net interest margin | 4.0561% | 1,517 |
| Noninterest income to average assets | 0.8739% | 1,358 |
| Noninterest expense to average assets | 3.9502% | 553 |
| Loan and lease loss provision to assets | 0.1130% | 1,904 |
| Net operating income to assets | 0.3928% | 5,012 |
| Return on assets (ROA) | 0.3928% | 5,044 |
| Pretax return on assets | 0.5845% | 4,874 |
| Return on Equity (ROE) | 3.5229% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.5229% | 3,812 |
| Net charge-offs to loans | -0.0171% | 4,801 |
| Credit loss provision to net charge-offs | -815.7895% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8048% | 702 |
| Assets per employee ($millions) | 3.9589% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 5,172 |
| Loan loss allowance to noncurrent loans | 43.7102% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.3656% | 1,147 |
| Noncurrent loans to loans | 1.5638% | 1,189 |
| Net loans and leases to total assets | 82.2440% | 641 |
| Net loans and leases to deposits | 109.5094% | 292 |
| Net loans and leases to core deposits | 109.7301% | 1,045 |
| Total domestic deposits to total assets | 75.1022% | 5,118 |
| Equity capital to assets | 10.1637% | 3,740 |
| Core capital (leverage) ratio | 9.6984% | 3,936 |
| Tier 1 risk-based capital ratio | 11.7925% | 4,774 |
| Total risk-based capital ratio | 12.5338% | 4,982 |
| Memoranda: | ||
| Average total assets | $182,939,750 | 3,110 |
| Average earning assets | $170,208,000 | 3,097 |
| Average equity | $20,399,250 | 3,118 |
| Average total loans | $147,747,000 | 2,692 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 1,840 |
| Cost of funding earning assets | 0.2992% | 4,089 |
| Net interest margin | 4.0933% | 1,342 |
| Noninterest income to average assets | 0.9093% | 1,246 |
| Noninterest expense to average assets | 4.1014% | 469 |
| Loan and lease loss provision to assets | 0.1171% | 1,756 |
| Net operating income to assets | 0.3358% | 5,136 |
| Return on assets (ROA) | 0.3358% | 5,158 |
| Pretax return on assets | 0.4920% | 5,016 |
| Return on Equity (ROE) | 2.9185% | 5,148 |
| Retained earnings to average equity (ytd only) | 2.9185% | 3,978 |
| Net charge-offs to loans | -0.0669% | 5,284 |
| Credit loss provision to net charge-offs | -218.7500% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8783% | 615 |
| Assets per employee ($millions) | 3.6770% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 5,183 |
| Loan loss allowance to noncurrent loans | 66.0736% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 1,823 |
| Noncurrent loans to loans | 1.0774% | 1,819 |
| Net loans and leases to total assets | 81.7058% | 705 |
| Net loans and leases to deposits | 103.6573% | 515 |
| Net loans and leases to core deposits | 103.8666% | 1,360 |
| Total domestic deposits to total assets | 78.8231% | 4,655 |
| Equity capital to assets | 10.5852% | 3,248 |
| Core capital (leverage) ratio | 9.9105% | 3,645 |
| Tier 1 risk-based capital ratio | 12.2616% | 4,450 |
| Total risk-based capital ratio | 13.0346% | 4,660 |
| Memoranda: | ||
| Average total assets | $179,258,000 | 3,163 |
| Average earning assets | $166,467,330 | 3,159 |
| Average equity | $20,627,000 | 3,094 |
| Average total loans | $143,449,670 | 2,752 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 1,843 |
| Cost of funding earning assets | 0.2829% | 4,226 |
| Net interest margin | 4.0587% | 1,321 |
| Noninterest income to average assets | 0.9765% | 1,046 |
| Noninterest expense to average assets | 4.0981% | 481 |
| Loan and lease loss provision to assets | 0.1243% | 1,542 |
| Net operating income to assets | 0.3504% | 5,074 |
| Return on assets (ROA) | 0.3504% | 5,096 |
| Pretax return on assets | 0.5154% | 4,938 |
| Return on Equity (ROE) | 2.9231% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.9231% | 3,949 |
| Net charge-offs to loans | 0.0315% | 2,138 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 25.7273% | 1,331 |
| Efficiency ratio | 86.3073% | 782 |
| Assets per employee ($millions) | 3.6164% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6720% | 5,362 |
| Loan loss allowance to noncurrent loans | 35.5490% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.5817% | 986 |
| Noncurrent loans to loans | 1.8903% | 967 |
| Net loans and leases to total assets | 79.1323% | 961 |
| Net loans and leases to deposits | 99.9797% | 616 |
| Net loans and leases to core deposits | 100.1841% | 1,496 |
| Total domestic deposits to total assets | 79.1483% | 4,796 |
| Equity capital to assets | 11.7802% | 1,980 |
| Core capital (leverage) ratio | 11.3260% | 2,080 |
| Tier 1 risk-based capital ratio | 13.9897% | 3,490 |
| Total risk-based capital ratio | 14.7080% | 3,717 |
| Memoranda: | ||
| Average total assets | $176,961,500 | 3,221 |
| Average earning assets | $163,991,500 | 3,216 |
| Average equity | $21,210,000 | 3,065 |
| Average total loans | $139,527,500 | 2,831 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 2,121 |
| Cost of funding earning assets | 0.2647% | 4,415 |
| Net interest margin | 4.0405% | 1,522 |
| Noninterest income to average assets | 1.0847% | 962 |
| Noninterest expense to average assets | 4.5147% | 369 |
| Loan and lease loss provision to assets | 0.1091% | 2,234 |
| Net operating income to assets | 0.1388% | 5,510 |
| Return on assets (ROA) | 0.1388% | 5,543 |
| Pretax return on assets | 0.1709% | 5,523 |
| Return on Equity (ROE) | 1.0967% | 5,558 |
| Retained earnings to average equity (ytd only) | 1.0967% | 4,866 |
| Net charge-offs to loans | 0.1248% | 2,001 |
| Credit loss provision to net charge-offs | 118.4211% | 2,241 |
| Earnings coverage of net charge-offs (x) | 3.0395% | 3,728 |
| Efficiency ratio | 93.9459% | 381 |
| Assets per employee ($millions) | 3.5327% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 5,387 |
| Loan loss allowance to noncurrent loans | 36.2211% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.5551% | 1,048 |
| Noncurrent loans to loans | 1.8896% | 978 |
| Net loans and leases to total assets | 77.4545% | 1,287 |
| Net loans and leases to deposits | 96.5409% | 946 |
| Net loans and leases to core deposits | 97.1354% | 1,826 |
| Total domestic deposits to total assets | 80.2297% | 4,523 |
| Equity capital to assets | 12.2003% | 1,683 |
| Core capital (leverage) ratio | 11.4231% | 1,993 |
| Tier 1 risk-based capital ratio | 14.6136% | 3,143 |
| Total risk-based capital ratio | 15.3390% | 3,332 |
| Memoranda: | ||
| Average total assets | $165,015,200 | 3,349 |
| Average earning assets | $151,515,400 | 3,353 |
| Average equity | $20,881,000 | 3,078 |
| Average total loans | $121,798,200 | 3,038 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 2,240 |
| Cost of funding earning assets | 0.2632% | 4,468 |
| Net interest margin | 4.0121% | 1,616 |
| Noninterest income to average assets | 1.0708% | 988 |
| Noninterest expense to average assets | 4.6021% | 351 |
| Loan and lease loss provision to assets | 0.1104% | 2,086 |
| Net operating income to assets | 0.0335% | 5,695 |
| Return on assets (ROA) | 0.0335% | 5,721 |
| Pretax return on assets | 0.0368% | 5,719 |
| Return on Equity (ROE) | 0.2626% | 5,722 |
| Retained earnings to average equity (ytd only) | 0.2626% | 5,280 |
| Net charge-offs to loans | 0.1564% | 1,442 |
| Credit loss provision to net charge-offs | 97.1223% | 2,422 |
| Earnings coverage of net charge-offs (x) | 1.2949% | 3,711 |
| Efficiency ratio | 96.6931% | 295 |
| Assets per employee ($millions) | 3.2787% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 5,391 |
| Loan loss allowance to noncurrent loans | 52.4089% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.2726% | 1,526 |
| Noncurrent loans to loans | 1.3689% | 1,612 |
| Net loans and leases to total assets | 73.8210% | 1,896 |
| Net loans and leases to deposits | 88.0274% | 2,017 |
| Net loans and leases to core deposits | 88.5636% | 2,708 |
| Total domestic deposits to total assets | 83.8614% | 3,253 |
| Equity capital to assets | 12.5007% | 1,778 |
| Core capital (leverage) ratio | 11.7585% | 1,835 |
| Tier 1 risk-based capital ratio | 15.2237% | 2,943 |
| Total risk-based capital ratio | 15.9638% | 3,121 |
| Memoranda: | ||
| Average total assets | $162,993,250 | 3,382 |
| Average earning assets | $149,444,750 | 3,393 |
| Average equity | $20,821,500 | 3,110 |
| Average total loans | $118,497,750 | 3,097 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 2,213 |
| Cost of funding earning assets | 0.2607% | 4,541 |
| Net interest margin | 4.0220% | 1,576 |
| Noninterest income to average assets | 1.0521% | 1,009 |
| Noninterest expense to average assets | 4.6365% | 338 |
| Loan and lease loss provision to assets | 0.1114% | 2,012 |
| Net operating income to assets | 0.0037% | 5,766 |
| Return on assets (ROA) | 0.0037% | 5,793 |
| Pretax return on assets | -0.0111% | 5,796 |
| Return on Equity (ROE) | 0.0289% | 5,793 |
| Retained earnings to average equity (ytd only) | 0.0289% | 5,280 |
| Net charge-offs to loans | 0.1047% | 1,781 |
| Credit loss provision to net charge-offs | 147.5410% | 1,611 |
| Earnings coverage of net charge-offs (x) | 1.3279% | 3,426 |
| Efficiency ratio | 97.6744% | 291 |
| Assets per employee ($millions) | 3.2966% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 5,349 |
| Loan loss allowance to noncurrent loans | 58.4334% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2747% | 1,601 |
| Noncurrent loans to loans | 1.3177% | 1,711 |
| Net loans and leases to total assets | 72.3253% | 2,118 |
| Net loans and leases to deposits | 86.4420% | 2,196 |
| Net loans and leases to core deposits | 86.9768% | 2,818 |
| Total domestic deposits to total assets | 83.6691% | 3,397 |
| Equity capital to assets | 12.6422% | 1,692 |
| Core capital (leverage) ratio | 11.9410% | 1,669 |
| Tier 1 risk-based capital ratio | 15.4229% | 2,894 |
| Total risk-based capital ratio | 16.2041% | 3,039 |
| Memoranda: | ||
| Average total assets | $161,586,330 | 3,416 |
| Average earning assets | $148,036,670 | 3,434 |
| Average equity | $20,794,330 | 3,118 |
| Average total loans | $116,553,330 | 3,132 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 2,244 |
| Cost of funding earning assets | 0.2647% | 4,552 |
| Net interest margin | 4.0030% | 1,604 |
| Noninterest income to average assets | 0.9877% | 1,105 |
| Noninterest expense to average assets | 4.7285% | 335 |
| Loan and lease loss provision to assets | 0.1125% | 1,859 |
| Net operating income to assets | -0.1050% | 5,850 |
| Return on assets (ROA) | -0.1050% | 5,867 |
| Pretax return on assets | -0.1850% | 5,892 |
| Return on Equity (ROE) | -0.8088% | 5,863 |
| Retained earnings to average equity (ytd only) | -0.8088% | 5,255 |
| Net charge-offs to loans | 0.0488% | 2,062 |
| Credit loss provision to net charge-offs | 321.4286% | 810 |
| Earnings coverage of net charge-offs (x) | -2.0714% | 3,020 |
| Efficiency ratio | 101.3426% | 262 |
| Assets per employee ($millions) | 3.1191% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 5,343 |
| Loan loss allowance to noncurrent loans | 52.2843% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.4292% | 1,451 |
| Noncurrent loans to loans | 1.5390% | 1,515 |
| Net loans and leases to total assets | 70.4571% | 2,273 |
| Net loans and leases to deposits | 82.4757% | 2,489 |
| Net loans and leases to core deposits | 83.1514% | 3,025 |
| Total domestic deposits to total assets | 85.4277% | 2,941 |
| Equity capital to assets | 12.8040% | 1,509 |
| Core capital (leverage) ratio | 11.7814% | 1,772 |
| Tier 1 risk-based capital ratio | 15.9003% | 2,731 |
| Total risk-based capital ratio | 16.7114% | 2,873 |
| Memoranda: | ||
| Average total assets | $159,965,000 | 3,447 |
| Average earning assets | $146,590,000 | 3,465 |
| Average equity | $20,772,500 | 3,123 |
| Average total loans | $114,761,000 | 3,169 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 2,284 |
| Cost of funding earning assets | 0.2660% | 4,635 |
| Net interest margin | 4.0129% | 1,675 |
| Noninterest income to average assets | 1.4948% | 555 |
| Noninterest expense to average assets | 5.0859% | 265 |
| Loan and lease loss provision to assets | 0.1172% | 2,032 |
| Net operating income to assets | -0.0078% | 5,872 |
| Return on assets (ROA) | -0.0078% | 5,899 |
| Pretax return on assets | -0.0150% | 5,893 |
| Return on Equity (ROE) | -0.0579% | 5,900 |
| Retained earnings to average equity (ytd only) | -0.0579% | 5,524 |
| Net charge-offs to loans | 0.3455% | 860 |
| Credit loss provision to net charge-offs | 48.5175% | 3,426 |
| Earnings coverage of net charge-offs (x) | 0.4232% | 4,230 |
| Efficiency ratio | 97.8165% | 346 |
| Assets per employee ($millions) | 3.0334% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 5,455 |
| Loan loss allowance to noncurrent loans | 50.7082% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.3934% | 1,502 |
| Noncurrent loans to loans | 1.5439% | 1,493 |
| Net loans and leases to total assets | 71.9068% | 2,073 |
| Net loans and leases to deposits | 86.1997% | 2,106 |
| Net loans and leases to core deposits | 86.7442% | 2,728 |
| Total domestic deposits to total assets | 83.4188% | 3,704 |
| Equity capital to assets | 13.1724% | 1,271 |
| Core capital (leverage) ratio | 12.5610% | 1,319 |
| Tier 1 risk-based capital ratio | 16.2373% | 2,591 |
| Total risk-based capital ratio | 17.0348% | 2,726 |
| Memoranda: | ||
| Average total assets | $153,601,800 | 3,517 |
| Average earning assets | $141,370,600 | 3,521 |
| Average equity | $20,731,600 | 3,103 |
| Average total loans | $107,393,600 | 3,251 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 2,369 |
| Cost of funding earning assets | 0.2674% | 4,691 |
| Net interest margin | 3.9915% | 1,729 |
| Noninterest income to average assets | 1.6167% | 482 |
| Noninterest expense to average assets | 5.2033% | 245 |
| Loan and lease loss provision to assets | 0.1092% | 2,062 |
| Net operating income to assets | -0.0122% | 5,949 |
| Return on assets (ROA) | -0.0122% | 5,981 |
| Pretax return on assets | -0.0166% | 5,979 |
| Return on Equity (ROE) | -0.0901% | 5,979 |
| Retained earnings to average equity (ytd only) | -0.0901% | 5,614 |
| Net charge-offs to loans | 0.3811% | 677 |
| Credit loss provision to net charge-offs | 41.3907% | 3,149 |
| Earnings coverage of net charge-offs (x) | 0.3510% | 3,963 |
| Efficiency ratio | 98.0528% | 353 |
| Assets per employee ($millions) | 2.6711% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 5,427 |
| Loan loss allowance to noncurrent loans | 57.7778% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 1,675 |
| Noncurrent loans to loans | 1.4446% | 1,741 |
| Net loans and leases to total assets | 71.0090% | 2,233 |
| Net loans and leases to deposits | 82.5903% | 2,574 |
| Net loans and leases to core deposits | 83.2844% | 3,122 |
| Total domestic deposits to total assets | 85.9774% | 2,531 |
| Equity capital to assets | 13.6272% | 1,164 |
| Core capital (leverage) ratio | 12.5823% | 1,367 |
| Tier 1 risk-based capital ratio | 16.9655% | 2,392 |
| Total risk-based capital ratio | 17.8148% | 2,498 |
| Memoranda: | ||
| Average total assets | $152,567,500 | 3,559 |
| Average earning assets | $140,629,500 | 3,565 |
| Average equity | $20,720,000 | 3,125 |
| Average total loans | $105,662,000 | 3,309 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,385 |
| Cost of funding earning assets | 0.2645% | 4,777 |
| Net interest margin | 3.9775% | 1,711 |
| Noninterest income to average assets | 1.8487% | 416 |
| Noninterest expense to average assets | 4.7697% | 349 |
| Loan and lease loss provision to assets | 0.1047% | 2,082 |
| Net operating income to assets | 0.4019% | 5,127 |
| Return on assets (ROA) | 0.4019% | 5,236 |
| Pretax return on assets | 0.6560% | 4,804 |
| Return on Equity (ROE) | 2.9491% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.9491% | 4,158 |
| Net charge-offs to loans | 0.4955% | 502 |
| Credit loss provision to net charge-offs | 30.8880% | 2,919 |
| Earnings coverage of net charge-offs (x) | 2.2432% | 3,382 |
| Efficiency ratio | 86.0559% | 1,057 |
| Assets per employee ($millions) | 2.5951% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 5,446 |
| Loan loss allowance to noncurrent loans | 49.1076% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.4036% | 1,786 |
| Noncurrent loans to loans | 1.7448% | 1,474 |
| Net loans and leases to total assets | 68.6213% | 2,550 |
| Net loans and leases to deposits | 79.8683% | 2,806 |
| Net loans and leases to core deposits | 80.5350% | 3,330 |
| Total domestic deposits to total assets | 85.9180% | 2,730 |
| Equity capital to assets | 13.7444% | 1,078 |
| Core capital (leverage) ratio | 12.5712% | 1,343 |
| Tier 1 risk-based capital ratio | 18.2648% | 1,991 |
| Total risk-based capital ratio | 19.1536% | 2,050 |
| Memoranda: | ||
| Average total assets | $152,755,330 | 3,585 |
| Average earning assets | $141,395,670 | 3,580 |
| Average equity | $20,820,000 | 3,129 |
| Average total loans | $104,541,330 | 3,351 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 2,539 |
| Cost of funding earning assets | 0.2618% | 4,881 |
| Net interest margin | 3.9164% | 1,834 |
| Noninterest income to average assets | 1.2164% | 764 |
| Noninterest expense to average assets | 4.5904% | 404 |
| Loan and lease loss provision to assets | 0.0786% | 2,381 |
| Net operating income to assets | 0.0944% | 5,887 |
| Return on assets (ROA) | 0.0944% | 5,944 |
| Pretax return on assets | 0.1940% | 5,835 |
| Return on Equity (ROE) | 0.6954% | 5,962 |
| Retained earnings to average equity (ytd only) | 0.6954% | 5,170 |
| Net charge-offs to loans | 0.0539% | 2,234 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,169 |
| Efficiency ratio | 94.1779% | 589 |
| Assets per employee ($millions) | 2.8557% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 4,699 |
| Loan loss allowance to noncurrent loans | 55.9675% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5064% | 1,735 |
| Noncurrent loans to loans | 1.8973% | 1,421 |
| Net loans and leases to total assets | 66.5826% | 2,674 |
| Net loans and leases to deposits | 77.2056% | 2,924 |
| Net loans and leases to core deposits | 77.8431% | 3,399 |
| Total domestic deposits to total assets | 86.2406% | 2,804 |
| Equity capital to assets | 13.4488% | 1,193 |
| Core capital (leverage) ratio | 12.4374% | 1,389 |
| Tier 1 risk-based capital ratio | 15.4757% | 3,158 |
| Total risk-based capital ratio | 16.4128% | 3,265 |
| Memoranda: | ||
| Average total assets | $152,578,000 | 3,614 |
| Average earning assets | $142,070,500 | 3,591 |
| Average equity | $20,708,000 | 3,164 |
| Average total loans | $103,825,000 | 3,378 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,582 |
| Cost of funding earning assets | 0.2752% | 5,048 |
| Net interest margin | 4.0324% | 1,796 |
| Noninterest income to average assets | 1.2412% | 786 |
| Noninterest expense to average assets | 4.8598% | 342 |
| Loan and lease loss provision to assets | 0.0876% | 2,719 |
| Net operating income to assets | 0.0391% | 6,042 |
| Return on assets (ROA) | 0.0391% | 6,067 |
| Pretax return on assets | 0.0357% | 6,056 |
| Return on Equity (ROE) | 0.2816% | 6,074 |
| Retained earnings to average equity (ytd only) | 0.2816% | 5,651 |
| Net charge-offs to loans | 0.3392% | 1,292 |
| Credit loss provision to net charge-offs | 38.5757% | 3,703 |
| Earnings coverage of net charge-offs (x) | 0.5430% | 4,618 |
| Efficiency ratio | 97.2955% | 452 |
| Assets per employee ($millions) | 2.9029% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 4,826 |
| Loan loss allowance to noncurrent loans | 51.5899% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.5323% | 1,775 |
| Noncurrent loans to loans | 2.0284% | 1,363 |
| Net loans and leases to total assets | 68.0932% | 2,544 |
| Net loans and leases to deposits | 79.1825% | 2,815 |
| Net loans and leases to core deposits | 80.7964% | 3,210 |
| Total domestic deposits to total assets | 85.9953% | 2,846 |
| Equity capital to assets | 13.6980% | 1,076 |
| Core capital (leverage) ratio | 12.2133% | 1,493 |
| Tier 1 risk-based capital ratio | 18.2398% | 2,070 |
| Total risk-based capital ratio | 19.3338% | 2,074 |
| Memoranda: | ||
| Average total assets | $148,402,000 | 3,658 |
| Average earning assets | $137,710,400 | 3,630 |
| Average equity | $20,596,800 | 3,092 |
| Average total loans | $99,349,600 | 3,437 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,630 |
| Cost of funding earning assets | 0.2744% | 5,163 |
| Net interest margin | 4.0267% | 1,798 |
| Noninterest income to average assets | 1.2668% | 755 |
| Noninterest expense to average assets | 4.8860% | 336 |
| Loan and lease loss provision to assets | 0.0902% | 2,549 |
| Net operating income to assets | 0.0280% | 6,114 |
| Return on assets (ROA) | 0.0280% | 6,134 |
| Pretax return on assets | 0.0253% | 6,128 |
| Return on Equity (ROE) | 0.2009% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.2009% | 5,743 |
| Net charge-offs to loans | 0.3421% | 1,171 |
| Credit loss provision to net charge-offs | 39.6825% | 3,294 |
| Earnings coverage of net charge-offs (x) | 0.5079% | 4,369 |
| Efficiency ratio | 97.4743% | 454 |
| Assets per employee ($millions) | 2.6529% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 4,696 |
| Loan loss allowance to noncurrent loans | 66.1645% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2931% | 2,391 |
| Noncurrent loans to loans | 1.6818% | 1,936 |
| Net loans and leases to total assets | 68.3129% | 2,480 |
| Net loans and leases to deposits | 79.6858% | 2,740 |
| Net loans and leases to core deposits | 80.3705% | 3,277 |
| Total domestic deposits to total assets | 85.7278% | 2,995 |
| Equity capital to assets | 13.8912% | 1,045 |
| Core capital (leverage) ratio | 12.4563% | 1,426 |
| Tier 1 risk-based capital ratio | 18.8702% | 1,940 |
| Total risk-based capital ratio | 20.0541% | 1,924 |
| Memoranda: | ||
| Average total assets | $147,765,250 | 3,697 |
| Average earning assets | $137,046,750 | 3,675 |
| Average equity | $20,576,750 | 3,106 |
| Average total loans | $98,218,750 | 3,485 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,729 |
| Cost of funding earning assets | 0.2750% | 5,236 |
| Net interest margin | 3.9866% | 1,853 |
| Noninterest income to average assets | 1.2298% | 772 |
| Noninterest expense to average assets | 4.8610% | 338 |
| Loan and lease loss provision to assets | 0.1356% | 1,826 |
| Net operating income to assets | -0.0325% | 6,209 |
| Return on assets (ROA) | -0.0325% | 6,226 |
| Pretax return on assets | -0.0719% | 6,240 |
| Return on Equity (ROE) | -0.2335% | 6,224 |
| Retained earnings to average equity (ytd only) | -0.2335% | 5,722 |
| Net charge-offs to loans | 0.4713% | 858 |
| Credit loss provision to net charge-offs | 43.8596% | 2,877 |
| Earnings coverage of net charge-offs (x) | 0.2061% | 4,093 |
| Efficiency ratio | 98.4857% | 445 |
| Assets per employee ($millions) | 2.6540% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 4,482 |
| Loan loss allowance to noncurrent loans | 62.6545% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 1,986 |
| Noncurrent loans to loans | 1.8949% | 1,811 |
| Net loans and leases to total assets | 65.2961% | 2,865 |
| Net loans and leases to deposits | 76.1147% | 3,040 |
| Net loans and leases to core deposits | 76.7680% | 3,553 |
| Total domestic deposits to total assets | 85.7865% | 3,162 |
| Equity capital to assets | 13.8448% | 1,035 |
| Core capital (leverage) ratio | 12.3858% | 1,450 |
| Tier 1 risk-based capital ratio | 19.2542% | 1,864 |
| Total risk-based capital ratio | 20.4944% | 1,828 |
| Memoranda: | ||
| Average total assets | $147,499,670 | 3,719 |
| Average earning assets | $136,709,330 | 3,696 |
| Average equity | $20,556,670 | 3,114 |
| Average total loans | $96,748,670 | 3,522 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 2,616 |
| Cost of funding earning assets | 0.2732% | 5,351 |
| Net interest margin | 4.0012% | 1,756 |
| Noninterest income to average assets | 1.1978% | 769 |
| Noninterest expense to average assets | 4.8565% | 344 |
| Loan and lease loss provision to assets | 0.1361% | 1,781 |
| Net operating income to assets | -0.0436% | 6,244 |
| Return on assets (ROA) | -0.0436% | 6,251 |
| Pretax return on assets | -0.0871% | 6,281 |
| Return on Equity (ROE) | -0.3115% | 6,246 |
| Retained earnings to average equity (ytd only) | -0.3115% | 5,613 |
| Net charge-offs to loans | 0.5457% | 674 |
| Credit loss provision to net charge-offs | 38.1679% | 2,312 |
| Earnings coverage of net charge-offs (x) | 0.1374% | 3,410 |
| Efficiency ratio | 98.7791% | 507 |
| Assets per employee ($millions) | 2.7145% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,385 |
| Loan loss allowance to noncurrent loans | 73.2488% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 2,353 |
| Noncurrent loans to loans | 1.7049% | 2,279 |
| Net loans and leases to total assets | 64.2447% | 2,850 |
| Net loans and leases to deposits | 74.7568% | 2,980 |
| Net loans and leases to core deposits | 75.3938% | 3,478 |
| Total domestic deposits to total assets | 85.9382% | 3,397 |
| Equity capital to assets | 13.7704% | 1,005 |
| Core capital (leverage) ratio | 12.2995% | 1,477 |
| Tier 1 risk-based capital ratio | 19.5018% | 1,834 |
| Total risk-based capital ratio | 20.7526% | 1,805 |
| Memoranda: | ||
| Average total assets | $146,936,500 | 3,753 |
| Average earning assets | $136,159,500 | 3,728 |
| Average equity | $20,546,500 | 3,111 |
| Average total loans | $96,016,500 | 3,555 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 3,244 |
| Cost of funding earning assets | 0.2974% | 5,621 |
| Net interest margin | 3.9286% | 2,189 |
| Noninterest income to average assets | 1.8382% | 450 |
| Noninterest expense to average assets | 4.9998% | 351 |
| Loan and lease loss provision to assets | 0.0518% | 4,101 |
| Net operating income to assets | 0.2937% | 5,545 |
| Return on assets (ROA) | 0.2937% | 5,638 |
| Pretax return on assets | 0.4362% | 5,400 |
| Return on Equity (ROE) | 2.1479% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.1479% | 4,715 |
| Net charge-offs to loans | 0.3302% | 2,028 |
| Credit loss provision to net charge-offs | 24.3671% | 4,363 |
| Earnings coverage of net charge-offs (x) | 2.2975% | 4,246 |
| Efficiency ratio | 90.9002% | 960 |
| Assets per employee ($millions) | 2.5817% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 3,831 |
| Loan loss allowance to noncurrent loans | 99.3093% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4020% | 2,645 |
| Noncurrent loans to loans | 1.3730% | 2,842 |
| Net loans and leases to total assets | 64.7484% | 2,912 |
| Net loans and leases to deposits | 75.6787% | 3,001 |
| Net loans and leases to core deposits | 76.3471% | 3,574 |
| Total domestic deposits to total assets | 85.5570% | 3,481 |
| Equity capital to assets | 14.2030% | 851 |
| Core capital (leverage) ratio | 12.6681% | 1,273 |
| Tier 1 risk-based capital ratio | 20.2818% | 1,592 |
| Total risk-based capital ratio | 21.5341% | 1,557 |
| Memoranda: | ||
| Average total assets | $148,785,600 | 3,727 |
| Average earning assets | $138,218,200 | 3,694 |
| Average equity | $20,345,200 | 3,118 |
| Average total loans | $95,692,800 | 3,561 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,398 |
| Cost of funding earning assets | 0.2994% | 5,744 |
| Net interest margin | 3.8967% | 2,289 |
| Noninterest income to average assets | 2.0030% | 418 |
| Noninterest expense to average assets | 4.9768% | 341 |
| Loan and lease loss provision to assets | 0.0018% | 4,918 |
| Net operating income to assets | 0.4236% | 5,147 |
| Return on assets (ROA) | 0.4236% | 5,292 |
| Pretax return on assets | 0.6487% | 4,858 |
| Return on Equity (ROE) | 3.1267% | 5,562 |
| Retained earnings to average equity (ytd only) | 3.1267% | 4,447 |
| Net charge-offs to loans | 0.1821% | 2,772 |
| Credit loss provision to net charge-offs | 1.5267% | 4,325 |
| Earnings coverage of net charge-offs (x) | 5.5802% | 3,155 |
| Efficiency ratio | 88.2511% | 1,143 |
| Assets per employee ($millions) | 2.7759% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,513 |
| Loan loss allowance to noncurrent loans | 89.3130% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 2,818 |
| Noncurrent loans to loans | 1.6636% | 2,688 |
| Net loans and leases to total assets | 62.1031% | 3,340 |
| Net loans and leases to deposits | 72.2641% | 3,477 |
| Net loans and leases to core deposits | 72.8762% | 3,989 |
| Total domestic deposits to total assets | 85.9392% | 3,295 |
| Equity capital to assets | 13.7006% | 1,051 |
| Core capital (leverage) ratio | 12.3617% | 1,490 |
| Tier 1 risk-based capital ratio | 20.3677% | 1,637 |
| Total risk-based capital ratio | 21.6212% | 1,609 |
| Memoranda: | ||
| Average total assets | $149,838,250 | 3,747 |
| Average earning assets | $139,363,500 | 3,708 |
| Average equity | $20,298,000 | 3,157 |
| Average total loans | $95,890,000 | 3,579 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 3,286 |
| Cost of funding earning assets | 0.3030% | 5,806 |
| Net interest margin | 3.9157% | 2,166 |
| Noninterest income to average assets | 2.2360% | 375 |
| Noninterest expense to average assets | 5.0928% | 334 |
| Loan and lease loss provision to assets | -0.0641% | 6,661 |
| Net operating income to assets | 0.5447% | 4,576 |
| Return on assets (ROA) | 0.5447% | 4,748 |
| Pretax return on assets | 0.8477% | 4,123 |
| Return on Equity (ROE) | 4.0359% | 5,204 |
| Retained earnings to average equity (ytd only) | 4.0359% | 3,732 |
| Net charge-offs to loans | 0.0685% | 3,732 |
| Credit loss provision to net charge-offs | -145.4545% | 5,664 |
| Earnings coverage of net charge-offs (x) | 17.7879% | 1,587 |
| Efficiency ratio | 86.4834% | 1,366 |
| Assets per employee ($millions) | 2.8615% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 3,666 |
| Loan loss allowance to noncurrent loans | 72.2029% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.1779% | 1,980 |
| Noncurrent loans to loans | 2.0519% | 2,333 |
| Net loans and leases to total assets | 63.6648% | 2,976 |
| Net loans and leases to deposits | 73.8440% | 3,180 |
| Net loans and leases to core deposits | 74.4596% | 3,735 |
| Total domestic deposits to total assets | 86.2152% | 3,252 |
| Equity capital to assets | 13.4881% | 1,142 |
| Core capital (leverage) ratio | 12.0357% | 1,593 |
| Tier 1 risk-based capital ratio | 19.4524% | 1,869 |
| Total risk-based capital ratio | 20.6941% | 1,847 |
| Memoranda: | ||
| Average total assets | $149,818,000 | 3,777 |
| Average earning assets | $139,284,330 | 3,733 |
| Average equity | $20,218,330 | 3,187 |
| Average total loans | $96,354,670 | 3,577 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,821 |
| Cost of funding earning assets | 0.3114% | 5,881 |
| Net interest margin | 4.0048% | 1,760 |
| Noninterest income to average assets | 1.9396% | 446 |
| Noninterest expense to average assets | 5.2385% | 313 |
| Loan and lease loss provision to assets | -0.1289% | 6,854 |
| Net operating income to assets | 0.3627% | 5,294 |
| Return on assets (ROA) | 0.3627% | 5,430 |
| Pretax return on assets | 0.5615% | 5,075 |
| Return on Equity (ROE) | 2.6866% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.6866% | 4,676 |
| Net charge-offs to loans | -0.5946% | 6,876 |
| Credit loss provision to net charge-offs | 33.8028% | 2,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1838% | 962 |
| Assets per employee ($millions) | 2.5927% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 2,893 |
| Loan loss allowance to noncurrent loans | 65.4465% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.6713% | 1,700 |
| Noncurrent loans to loans | 2.6393% | 1,949 |
| Net loans and leases to total assets | 61.5540% | 3,155 |
| Net loans and leases to deposits | 71.3192% | 3,279 |
| Net loans and leases to core deposits | 71.9176% | 3,824 |
| Total domestic deposits to total assets | 86.3077% | 3,350 |
| Equity capital to assets | 13.4110% | 1,241 |
| Core capital (leverage) ratio | 11.8738% | 1,636 |
| Tier 1 risk-based capital ratio | 20.0914% | 1,743 |
| Total risk-based capital ratio | 21.3477% | 1,715 |
| Memoranda: | ||
| Average total assets | $148,897,000 | 3,833 |
| Average earning assets | $138,735,000 | 3,783 |
| Average equity | $20,099,500 | 3,237 |
| Average total loans | $95,529,000 | 3,624 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 3,857 |
| Cost of funding earning assets | 0.4115% | 5,842 |
| Net interest margin | 3.9768% | 2,484 |
| Noninterest income to average assets | 1.8214% | 503 |
| Noninterest expense to average assets | 5.0257% | 366 |
| Loan and lease loss provision to assets | 1.0486% | 371 |
| Net operating income to assets | -0.3493% | 6,481 |
| Return on assets (ROA) | -0.3493% | 6,528 |
| Pretax return on assets | -0.5611% | 6,606 |
| Return on Equity (ROE) | -2.5416% | 6,481 |
| Retained earnings to average equity (ytd only) | -2.5416% | 6,226 |
| Net charge-offs to loans | 1.3647% | 684 |
| Credit loss provision to net charge-offs | 115.2695% | 2,516 |
| Earnings coverage of net charge-offs (x) | 0.5359% | 5,218 |
| Efficiency ratio | 90.9473% | 995 |
| Assets per employee ($millions) | 2.5417% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,394 |
| Loan loss allowance to noncurrent loans | 66.4788% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 2.8382% | 1,688 |
| Noncurrent loans to loans | 2.3806% | 2,249 |
| Net loans and leases to total assets | 64.6703% | 2,782 |
| Net loans and leases to deposits | 75.0918% | 2,943 |
| Net loans and leases to core deposits | 75.5853% | 3,589 |
| Total domestic deposits to total assets | 86.1217% | 3,287 |
| Equity capital to assets | 13.5887% | 1,197 |
| Core capital (leverage) ratio | 11.9582% | 1,588 |
| Tier 1 risk-based capital ratio | 19.6999% | 1,752 |
| Total risk-based capital ratio | 20.9569% | 1,722 |
| Memoranda: | ||
| Average total assets | $146,866,200 | 3,830 |
| Average earning assets | $136,339,800 | 3,785 |
| Average equity | $20,184,400 | 3,185 |
| Average total loans | $97,896,200 | 3,575 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 3,978 |
| Cost of funding earning assets | 0.4365% | 5,892 |
| Net interest margin | 3.9813% | 2,573 |
| Noninterest income to average assets | 1.7383% | 520 |
| Noninterest expense to average assets | 5.0459% | 354 |
| Loan and lease loss provision to assets | 1.3176% | 263 |
| Net operating income to assets | -0.5788% | 6,732 |
| Return on assets (ROA) | -0.5788% | 6,758 |
| Pretax return on assets | -0.9287% | 6,846 |
| Return on Equity (ROE) | -4.1998% | 6,687 |
| Retained earnings to average equity (ytd only) | -4.1998% | 6,566 |
| Net charge-offs to loans | 1.7021% | 479 |
| Credit loss provision to net charge-offs | 115.7223% | 2,513 |
| Earnings coverage of net charge-offs (x) | 0.3416% | 5,153 |
| Efficiency ratio | 92.6434% | 851 |
| Assets per employee ($millions) | 2.4472% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 3,391 |
| Loan loss allowance to noncurrent loans | 59.3774% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 3.2479% | 1,575 |
| Noncurrent loans to loans | 2.7534% | 2,059 |
| Net loans and leases to total assets | 62.5284% | 3,296 |
| Net loans and leases to deposits | 72.6156% | 3,513 |
| Net loans and leases to core deposits | 73.0949% | 4,103 |
| Total domestic deposits to total assets | 86.1088% | 3,192 |
| Equity capital to assets | 13.5582% | 1,325 |
| Core capital (leverage) ratio | 11.8588% | 1,740 |
| Tier 1 risk-based capital ratio | 20.2437% | 1,697 |
| Total risk-based capital ratio | 21.4944% | 1,666 |
| Memoranda: | ||
| Average total assets | $146,728,500 | 3,870 |
| Average earning assets | $136,234,750 | 3,824 |
| Average equity | $20,222,500 | 3,208 |
| Average total loans | $98,153,250 | 3,608 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4559% | 3,957 |
| Cost of funding earning assets | 0.4651% | 5,871 |
| Net interest margin | 3.9908% | 2,543 |
| Noninterest income to average assets | 1.6170% | 568 |
| Noninterest expense to average assets | 5.0227% | 375 |
| Loan and lease loss provision to assets | 1.6088% | 214 |
| Net operating income to assets | -0.8153% | 6,865 |
| Return on assets (ROA) | -0.8153% | 6,887 |
| Pretax return on assets | -1.3061% | 6,974 |
| Return on Equity (ROE) | -5.8837% | 6,795 |
| Retained earnings to average equity (ytd only) | -5.8837% | 6,666 |
| Net charge-offs to loans | 2.0891% | 386 |
| Credit loss provision to net charge-offs | 113.2438% | 2,409 |
| Earnings coverage of net charge-offs (x) | 0.2131% | 4,964 |
| Efficiency ratio | 94.1116% | 798 |
| Assets per employee ($millions) | 2.4967% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 3,877 |
| Loan loss allowance to noncurrent loans | 53.5988% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 3.4832% | 1,532 |
| Noncurrent loans to loans | 2.8531% | 2,100 |
| Net loans and leases to total assets | 64.1269% | 3,010 |
| Net loans and leases to deposits | 74.4309% | 3,224 |
| Net loans and leases to core deposits | 74.9191% | 3,899 |
| Total domestic deposits to total assets | 86.1562% | 3,280 |
| Equity capital to assets | 13.5410% | 1,283 |
| Core capital (leverage) ratio | 11.8615% | 1,676 |
| Tier 1 risk-based capital ratio | 20.3924% | 1,606 |
| Total risk-based capital ratio | 21.6476% | 1,580 |
| Memoranda: | ||
| Average total assets | $146,693,330 | 3,888 |
| Average earning assets | $136,313,670 | 3,840 |
| Average equity | $20,327,330 | 3,187 |
| Average total loans | $99,758,000 | 3,581 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 3,646 |
| Cost of funding earning assets | 0.4925% | 5,864 |
| Net interest margin | 4.0747% | 2,197 |
| Noninterest income to average assets | 1.5712% | 586 |
| Noninterest expense to average assets | 4.9950% | 362 |
| Loan and lease loss provision to assets | 0.6148% | 920 |
| Net operating income to assets | -0.1503% | 6,582 |
| Return on assets (ROA) | -0.1503% | 6,647 |
| Pretax return on assets | -0.2405% | 6,692 |
| Return on Equity (ROE) | -1.0723% | 6,632 |
| Retained earnings to average equity (ytd only) | -1.0723% | 6,166 |
| Net charge-offs to loans | 1.0859% | 948 |
| Credit loss provision to net charge-offs | 81.5217% | 2,699 |
| Earnings coverage of net charge-offs (x) | 0.4964% | 4,090 |
| Efficiency ratio | 92.8244% | 891 |
| Assets per employee ($millions) | 2.4189% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 5,012 |
| Loan loss allowance to noncurrent loans | 31.1201% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 3.6862% | 1,538 |
| Noncurrent loans to loans | 4.1838% | 1,446 |
| Net loans and leases to total assets | 66.9411% | 2,294 |
| Net loans and leases to deposits | 77.9662% | 2,513 |
| Net loans and leases to core deposits | 78.4778% | 3,265 |
| Total domestic deposits to total assets | 85.8592% | 3,611 |
| Equity capital to assets | 13.8866% | 1,058 |
| Core capital (leverage) ratio | 12.4181% | 1,374 |
| Tier 1 risk-based capital ratio | 20.7739% | 1,532 |
| Total risk-based capital ratio | 22.0124% | 1,504 |
| Memoranda: | ||
| Average total assets | $146,386,000 | 3,930 |
| Average earning assets | $136,451,500 | 3,874 |
| Average equity | $20,517,500 | 3,159 |
| Average total loans | $101,671,500 | 3,550 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 3,129 |
| Cost of funding earning assets | 0.6914% | 5,598 |
| Net interest margin | 4.2535% | 1,861 |
| Noninterest income to average assets | 1.5779% | 542 |
| Noninterest expense to average assets | 4.8176% | 450 |
| Loan and lease loss provision to assets | 0.9804% | 972 |
| Net operating income to assets | -0.1632% | 6,216 |
| Return on assets (ROA) | -0.1632% | 6,293 |
| Pretax return on assets | -0.2618% | 6,332 |
| Return on Equity (ROE) | -1.3265% | 6,277 |
| Retained earnings to average equity (ytd only) | -1.3265% | 6,060 |
| Net charge-offs to loans | 0.9371% | 1,855 |
| Credit loss provision to net charge-offs | 140.8612% | 2,086 |
| Earnings coverage of net charge-offs (x) | 1.0325% | 5,018 |
| Efficiency ratio | 86.8142% | 1,461 |
| Assets per employee ($millions) | 2.3423% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 4,980 |
| Loan loss allowance to noncurrent loans | 28.6546% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 3.7054% | 1,583 |
| Noncurrent loans to loans | 4.4913% | 1,329 |
| Net loans and leases to total assets | 70.1956% | 1,997 |
| Net loans and leases to deposits | 81.9675% | 2,208 |
| Net loans and leases to core deposits | 81.9675% | 3,184 |
| Total domestic deposits to total assets | 85.6383% | 3,517 |
| Equity capital to assets | 14.1475% | 1,016 |
| Core capital (leverage) ratio | 12.6797% | 1,275 |
| Tier 1 risk-based capital ratio | 20.6678% | 1,485 |
| Total risk-based capital ratio | 21.9213% | 1,457 |
| Memoranda: | ||
| Average total assets | $150,136,200 | 3,798 |
| Average earning assets | $139,719,200 | 3,753 |
| Average equity | $18,470,000 | 3,367 |
| Average total loans | $111,513,600 | 3,347 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 3,060 |
| Cost of funding earning assets | 0.7335% | 5,573 |
| Net interest margin | 4.2720% | 1,819 |
| Noninterest income to average assets | 1.5626% | 540 |
| Noninterest expense to average assets | 4.7636% | 457 |
| Loan and lease loss provision to assets | 0.6659% | 1,453 |
| Net operating income to assets | 0.0661% | 6,033 |
| Return on assets (ROA) | 0.0661% | 6,145 |
| Pretax return on assets | 0.1092% | 6,076 |
| Return on Equity (ROE) | 0.5571% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.5571% | 5,790 |
| Net charge-offs to loans | 0.9920% | 1,622 |
| Credit loss provision to net charge-offs | 89.4675% | 3,786 |
| Earnings coverage of net charge-offs (x) | 1.0414% | 4,850 |
| Efficiency ratio | 85.7983% | 1,553 |
| Assets per employee ($millions) | 2.3835% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 6,892 |
| Loan loss allowance to noncurrent loans | 17.7705% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 3.7078% | 1,686 |
| Noncurrent loans to loans | 4.2317% | 1,548 |
| Net loans and leases to total assets | 73.7985% | 1,354 |
| Net loans and leases to deposits | 86.4507% | 1,625 |
| Net loans and leases to core deposits | 86.4507% | 2,714 |
| Total domestic deposits to total assets | 85.3648% | 3,573 |
| Equity capital to assets | 14.3505% | 1,041 |
| Core capital (leverage) ratio | 13.1316% | 1,179 |
| Tier 1 risk-based capital ratio | 20.9883% | 1,459 |
| Total risk-based capital ratio | 21.8947% | 1,503 |
| Memoranda: | ||
| Average total assets | $151,365,250 | 3,802 |
| Average earning assets | $140,883,000 | 3,749 |
| Average equity | $17,951,250 | 3,432 |
| Average total loans | $113,575,250 | 3,330 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 3,273 |
| Cost of funding earning assets | 0.7905% | 5,445 |
| Net interest margin | 4.1868% | 2,085 |
| Noninterest income to average assets | 1.5024% | 569 |
| Noninterest expense to average assets | 4.6702% | 502 |
| Loan and lease loss provision to assets | 0.5869% | 1,648 |
| Net operating income to assets | 0.0835% | 6,052 |
| Return on assets (ROA) | 0.0835% | 6,131 |
| Pretax return on assets | 0.1408% | 6,034 |
| Return on Equity (ROE) | 0.7538% | 6,133 |
| Retained earnings to average equity (ytd only) | 0.7538% | 5,556 |
| Net charge-offs to loans | 0.8666% | 1,786 |
| Credit loss provision to net charge-offs | 90.0000% | 3,451 |
| Earnings coverage of net charge-offs (x) | 1.1160% | 4,440 |
| Efficiency ratio | 86.3252% | 1,566 |
| Assets per employee ($millions) | 2.5722% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 6,940 |
| Loan loss allowance to noncurrent loans | 18.1663% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 3.5754% | 1,830 |
| Noncurrent loans to loans | 4.1854% | 1,629 |
| Net loans and leases to total assets | 73.2764% | 1,543 |
| Net loans and leases to deposits | 85.1813% | 1,914 |
| Net loans and leases to core deposits | 86.0680% | 2,893 |
| Total domestic deposits to total assets | 86.0241% | 3,314 |
| Equity capital to assets | 13.7413% | 1,184 |
| Core capital (leverage) ratio | 12.5561% | 1,331 |
| Tier 1 risk-based capital ratio | 20.2630% | 1,558 |
| Total risk-based capital ratio | 21.1815% | 1,599 |
| Memoranda: | ||
| Average total assets | $153,355,000 | 3,795 |
| Average earning assets | $142,687,000 | 3,751 |
| Average equity | $16,980,000 | 3,572 |
| Average total loans | $115,396,000 | 3,331 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 3,436 |
| Cost of funding earning assets | 0.8458% | 5,299 |
| Net interest margin | 4.0813% | 2,342 |
| Noninterest income to average assets | 1.4817% | 586 |
| Noninterest expense to average assets | 4.6577% | 505 |
| Loan and lease loss provision to assets | 0.5838% | 1,478 |
| Net operating income to assets | 0.0208% | 6,306 |
| Return on assets (ROA) | 0.0208% | 6,339 |
| Pretax return on assets | 0.0337% | 6,295 |
| Return on Equity (ROE) | 0.2127% | 6,340 |
| Retained earnings to average equity (ytd only) | 0.2127% | 5,728 |
| Net charge-offs to loans | 0.9157% | 1,454 |
| Credit loss provision to net charge-offs | 83.9552% | 3,070 |
| Earnings coverage of net charge-offs (x) | 0.8881% | 3,979 |
| Efficiency ratio | 88.0964% | 1,506 |
| Assets per employee ($millions) | 2.6028% | 6,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 7,014 |
| Loan loss allowance to noncurrent loans | 22.3349% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 2.7996% | 2,462 |
| Noncurrent loans to loans | 3.3368% | 2,250 |
| Net loans and leases to total assets | 72.0547% | 1,714 |
| Net loans and leases to deposits | 85.7047% | 1,777 |
| Net loans and leases to core deposits | 86.5744% | 2,791 |
| Total domestic deposits to total assets | 84.0733% | 4,464 |
| Equity capital to assets | 9.4772% | 4,469 |
| Core capital (leverage) ratio | 8.2058% | 5,962 |
| Tier 1 risk-based capital ratio | 13.2937% | 4,586 |
| Total risk-based capital ratio | 14.1825% | 4,863 |
| Memoranda: | ||
| Average total assets | $154,152,000 | 3,808 |
| Average earning assets | $143,288,500 | 3,766 |
| Average equity | $15,043,000 | 3,895 |
| Average total loans | $117,065,500 | 3,312 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5858% | 1,954 |
| Cost of funding earning assets | 1.2179% | 4,434 |
| Net interest margin | 4.3679% | 1,591 |
| Noninterest income to average assets | 1.3302% | 829 |
| Noninterest expense to average assets | 4.3309% | 782 |
| Loan and lease loss provision to assets | 0.6395% | 2,574 |
| Net operating income to assets | 0.2512% | 5,106 |
| Return on assets (ROA) | 0.2512% | 5,258 |
| Pretax return on assets | 0.4034% | 4,934 |
| Return on Equity (ROE) | 2.5384% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.5384% | 4,094 |
| Net charge-offs to loans | 1.1640% | 1,917 |
| Credit loss provision to net charge-offs | 66.2364% | 5,949 |
| Earnings coverage of net charge-offs (x) | 1.0802% | 5,032 |
| Efficiency ratio | 80.3979% | 2,366 |
| Assets per employee ($millions) | 2.5345% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 7,045 |
| Loan loss allowance to noncurrent loans | 21.2636% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 3.2354% | 2,187 |
| Noncurrent loans to loans | 3.5686% | 2,106 |
| Net loans and leases to total assets | 78.8909% | 817 |
| Net loans and leases to deposits | 87.9053% | 1,807 |
| Net loans and leases to core deposits | 88.9901% | 2,904 |
| Total domestic deposits to total assets | 89.7454% | 1,237 |
| Equity capital to assets | 10.0573% | 3,677 |
| Core capital (leverage) ratio | 8.8677% | 4,754 |
| Tier 1 risk-based capital ratio | 13.4484% | 4,252 |
| Total risk-based capital ratio | 14.3753% | 4,464 |
| Memoranda: | ||
| Average total assets | $152,461,000 | 3,837 |
| Average earning assets | $141,143,200 | 3,793 |
| Average equity | $15,088,200 | 3,925 |
| Average total loans | $126,462,800 | 3,193 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 1,918 |
| Cost of funding earning assets | 1.2840% | 4,334 |
| Net interest margin | 4.3544% | 1,665 |
| Noninterest income to average assets | 1.2220% | 928 |
| Noninterest expense to average assets | 4.2377% | 789 |
| Loan and lease loss provision to assets | 0.6528% | 2,336 |
| Net operating income to assets | 0.2245% | 5,435 |
| Return on assets (ROA) | 0.2245% | 5,593 |
| Pretax return on assets | 0.3603% | 5,344 |
| Return on Equity (ROE) | 2.2780% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.2780% | 4,805 |
| Net charge-offs to loans | 0.5557% | 3,090 |
| Credit loss provision to net charge-offs | 140.1869% | 2,837 |
| Earnings coverage of net charge-offs (x) | 2.1757% | 4,094 |
| Efficiency ratio | 80.5072% | 2,271 |
| Assets per employee ($millions) | 2.5832% | 6,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,968 |
| Loan loss allowance to noncurrent loans | 39.2128% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.9499% | 2,457 |
| Noncurrent loans to loans | 3.3134% | 2,390 |
| Net loans and leases to total assets | 80.4468% | 672 |
| Net loans and leases to deposits | 89.4336% | 1,797 |
| Net loans and leases to core deposits | 90.8067% | 2,983 |
| Total domestic deposits to total assets | 89.9514% | 908 |
| Equity capital to assets | 9.7854% | 4,433 |
| Core capital (leverage) ratio | 8.5299% | 5,453 |
| Tier 1 risk-based capital ratio | 12.9362% | 4,625 |
| Total risk-based capital ratio | 14.1913% | 4,602 |
| Memoranda: | ||
| Average total assets | $153,193,000 | 3,872 |
| Average earning assets | $141,736,750 | 3,837 |
| Average equity | $15,100,500 | 3,973 |
| Average total loans | $128,361,000 | 3,197 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6910% | 1,801 |
| Cost of funding earning assets | 1.3469% | 4,208 |
| Net interest margin | 4.3441% | 1,623 |
| Noninterest income to average assets | 1.1652% | 944 |
| Noninterest expense to average assets | 4.2436% | 766 |
| Loan and lease loss provision to assets | 0.6842% | 2,116 |
| Net operating income to assets | 0.1538% | 5,710 |
| Return on assets (ROA) | 0.1538% | 5,832 |
| Pretax return on assets | 0.2476% | 5,662 |
| Return on Equity (ROE) | 1.5565% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.5565% | 5,083 |
| Net charge-offs to loans | 0.5842% | 2,781 |
| Credit loss provision to net charge-offs | 138.5224% | 2,896 |
| Earnings coverage of net charge-offs (x) | 1.8865% | 4,107 |
| Efficiency ratio | 81.7930% | 2,199 |
| Assets per employee ($millions) | 2.3388% | 7,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,383 |
| Loan loss allowance to noncurrent loans | 49.7424% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.4490% | 2,939 |
| Noncurrent loans to loans | 2.4395% | 3,207 |
| Net loans and leases to total assets | 82.7346% | 463 |
| Net loans and leases to deposits | 92.2164% | 1,493 |
| Net loans and leases to core deposits | 93.8843% | 2,735 |
| Total domestic deposits to total assets | 89.7179% | 1,064 |
| Equity capital to assets | 9.9828% | 4,048 |
| Core capital (leverage) ratio | 8.8460% | 4,844 |
| Tier 1 risk-based capital ratio | 13.2279% | 4,268 |
| Total risk-based capital ratio | 14.4809% | 4,222 |
| Memoranda: | ||
| Average total assets | $153,454,000 | 3,893 |
| Average earning assets | $141,662,000 | 3,873 |
| Average equity | $15,162,670 | 3,960 |
| Average total loans | $129,740,330 | 3,205 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7090% | 1,740 |
| Cost of funding earning assets | 1.4062% | 4,138 |
| Net interest margin | 4.3029% | 1,682 |
| Noninterest income to average assets | 1.0715% | 1,105 |
| Noninterest expense to average assets | 4.2031% | 805 |
| Loan and lease loss provision to assets | 0.7784% | 1,623 |
| Net operating income to assets | 0.0363% | 6,199 |
| Return on assets (ROA) | 0.0363% | 6,318 |
| Pretax return on assets | 0.0597% | 6,230 |
| Return on Equity (ROE) | 0.3695% | 6,315 |
| Retained earnings to average equity (ytd only) | 0.3695% | 5,687 |
| Net charge-offs to loans | 0.6354% | 2,235 |
| Credit loss provision to net charge-offs | 144.2308% | 2,466 |
| Earnings coverage of net charge-offs (x) | 1.5529% | 3,799 |
| Efficiency ratio | 83.1704% | 2,119 |
| Assets per employee ($millions) | 2.3328% | 7,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 5,744 |
| Loan loss allowance to noncurrent loans | 49.7682% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 2.6136% | 2,785 |
| Noncurrent loans to loans | 2.3219% | 3,361 |
| Net loans and leases to total assets | 84.7886% | 307 |
| Net loans and leases to deposits | 94.3520% | 1,309 |
| Net loans and leases to core deposits | 96.0530% | 2,587 |
| Total domestic deposits to total assets | 89.8641% | 1,060 |
| Equity capital to assets | 9.9077% | 3,978 |
| Core capital (leverage) ratio | 8.7876% | 4,875 |
| Tier 1 risk-based capital ratio | 12.8964% | 4,408 |
| Total risk-based capital ratio | 14.1487% | 4,382 |
| Memoranda: | ||
| Average total assets | $154,170,500 | 3,944 |
| Average earning assets | $142,230,500 | 3,913 |
| Average equity | $15,156,000 | 3,987 |
| Average total loans | $130,951,000 | 3,245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 3,137 |
| Cost of funding earning assets | 2.1563% | 2,208 |
| Net interest margin | 3.5368% | 4,793 |
| Noninterest income to average assets | 1.2512% | 965 |
| Noninterest expense to average assets | 4.4073% | 869 |
| Loan and lease loss provision to assets | 1.2111% | 1,897 |
| Net operating income to assets | -0.6745% | 6,331 |
| Return on assets (ROA) | -0.7728% | 6,415 |
| Pretax return on assets | -1.2395% | 6,563 |
| Return on Equity (ROE) | -7.8500% | 6,455 |
| Retained earnings to average equity (ytd only) | -7.8500% | 6,333 |
| Net charge-offs to loans | 1.4102% | 1,779 |
| Credit loss provision to net charge-offs | 103.1546% | 5,353 |
| Earnings coverage of net charge-offs (x) | 0.1067% | 6,051 |
| Efficiency ratio | 97.0039% | 1,266 |
| Assets per employee ($millions) | 2.4109% | 7,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 6,038 |
| Loan loss allowance to noncurrent loans | 55.9921% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.1773% | 3,158 |
| Noncurrent loans to loans | 1.9115% | 3,785 |
| Net loans and leases to total assets | 83.2252% | 518 |
| Net loans and leases to deposits | 92.4612% | 1,822 |
| Net loans and leases to core deposits | 101.7856% | 3,822 |
| Total domestic deposits to total assets | 90.0109% | 952 |
| Equity capital to assets | 9.7562% | 4,056 |
| Core capital (leverage) ratio | 8.6256% | 5,059 |
| Tier 1 risk-based capital ratio | 12.8388% | 4,252 |
| Total risk-based capital ratio | 14.0899% | 4,207 |
| Memoranda: | ||
| Average total assets | $162,003,400 | 3,731 |
| Average earning assets | $150,306,400 | 3,708 |
| Average equity | $15,949,000 | 3,877 |
| Average total loans | $134,873,400 | 3,175 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6506% | 3,572 |
| Cost of funding earning assets | 2.2863% | 2,037 |
| Net interest margin | 3.3644% | 5,394 |
| Noninterest income to average assets | 1.2898% | 929 |
| Noninterest expense to average assets | 4.5715% | 681 |
| Loan and lease loss provision to assets | 1.2343% | 1,572 |
| Net operating income to assets | -0.8670% | 6,742 |
| Return on assets (ROA) | -0.8670% | 6,738 |
| Pretax return on assets | -1.3902% | 6,909 |
| Return on Equity (ROE) | -8.7871% | 6,797 |
| Retained earnings to average equity (ytd only) | -8.7871% | 6,685 |
| Net charge-offs to loans | 1.4195% | 1,455 |
| Credit loss provision to net charge-offs | 104.7091% | 4,853 |
| Earnings coverage of net charge-offs (x) | -0.1323% | 6,224 |
| Efficiency ratio | 103.3093% | 938 |
| Assets per employee ($millions) | 2.4972% | 7,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 6,084 |
| Loan loss allowance to noncurrent loans | 58.1013% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.1519% | 3,155 |
| Noncurrent loans to loans | 1.7815% | 3,937 |
| Net loans and leases to total assets | 81.1100% | 960 |
| Net loans and leases to deposits | 89.9604% | 2,588 |
| Net loans and leases to core deposits | 107.0687% | 3,581 |
| Total domestic deposits to total assets | 90.1620% | 707 |
| Equity capital to assets | 9.6403% | 4,571 |
| Core capital (leverage) ratio | 8.5934% | 5,311 |
| Tier 1 risk-based capital ratio | 13.2773% | 4,002 |
| Total risk-based capital ratio | 14.5281% | 3,949 |
| Memoranda: | ||
| Average total assets | $163,326,500 | 3,736 |
| Average earning assets | $151,743,750 | 3,695 |
| Average equity | $16,114,000 | 3,886 |
| Average total loans | $135,633,250 | 3,199 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 3,786 |
| Cost of funding earning assets | 2.4072% | 1,942 |
| Net interest margin | 3.2499% | 5,736 |
| Noninterest income to average assets | 1.2831% | 927 |
| Noninterest expense to average assets | 4.7170% | 634 |
| Loan and lease loss provision to assets | 1.2978% | 1,321 |
| Net operating income to assets | -1.0668% | 7,028 |
| Return on assets (ROA) | -1.0668% | 7,028 |
| Pretax return on assets | -1.7108% | 7,175 |
| Return on Equity (ROE) | -10.7318% | 7,094 |
| Retained earnings to average equity (ytd only) | -10.7318% | 6,951 |
| Net charge-offs to loans | 1.6996% | 1,113 |
| Credit loss provision to net charge-offs | 91.5517% | 4,876 |
| Earnings coverage of net charge-offs (x) | -0.2914% | 5,948 |
| Efficiency ratio | 109.3697% | 863 |
| Assets per employee ($millions) | 2.5063% | 7,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 6,994 |
| Loan loss allowance to noncurrent loans | 54.5237% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.6979% | 3,631 |
| Noncurrent loans to loans | 1.5525% | 4,166 |
| Net loans and leases to total assets | 81.8976% | 974 |
| Net loans and leases to deposits | 90.9263% | 2,671 |
| Net loans and leases to core deposits | 107.3191% | 3,689 |
| Total domestic deposits to total assets | 90.0704% | 800 |
| Equity capital to assets | 9.7215% | 4,319 |
| Core capital (leverage) ratio | 8.6681% | 5,151 |
| Tier 1 risk-based capital ratio | 13.2898% | 3,944 |
| Total risk-based capital ratio | 14.3743% | 3,973 |
| Memoranda: | ||
| Average total assets | $163,662,330 | 3,747 |
| Average earning assets | $152,130,000 | 3,706 |
| Average equity | $16,269,330 | 3,865 |
| Average total loans | $136,499,670 | 3,216 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 4,074 |
| Cost of funding earning assets | 2.4323% | 2,169 |
| Net interest margin | 3.2142% | 5,821 |
| Noninterest income to average assets | 1.2826% | 871 |
| Noninterest expense to average assets | 4.8549% | 535 |
| Loan and lease loss provision to assets | 1.1778% | 1,100 |
| Net operating income to assets | -1.0997% | 7,309 |
| Return on assets (ROA) | -1.0997% | 7,319 |
| Pretax return on assets | -1.7630% | 7,457 |
| Return on Equity (ROE) | -10.9429% | 7,423 |
| Retained earnings to average equity (ytd only) | -10.9429% | 7,200 |
| Net charge-offs to loans | 1.5363% | 942 |
| Credit loss provision to net charge-offs | 91.4773% | 3,974 |
| Earnings coverage of net charge-offs (x) | -0.4545% | 5,236 |
| Efficiency ratio | 113.4780% | 741 |
| Assets per employee ($millions) | 2.6627% | 6,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,807 |
| Loan loss allowance to noncurrent loans | 36.6505% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 2.0513% | 2,822 |
| Noncurrent loans to loans | 2.4183% | 2,723 |
| Net loans and leases to total assets | 80.5276% | 1,287 |
| Net loans and leases to deposits | 89.4413% | 3,025 |
| Net loans and leases to core deposits | 106.6399% | 3,833 |
| Total domestic deposits to total assets | 90.0340% | 786 |
| Equity capital to assets | 9.6930% | 4,393 |
| Core capital (leverage) ratio | 8.7575% | 5,052 |
| Tier 1 risk-based capital ratio | 13.6841% | 3,749 |
| Total risk-based capital ratio | 14.8209% | 3,746 |
| Memoranda: | ||
| Average total assets | $164,040,000 | 3,761 |
| Average earning assets | $152,447,500 | 3,705 |
| Average equity | $16,485,500 | 3,844 |
| Average total loans | $137,471,500 | 3,216 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9423% | 5,840 |
| Cost of funding earning assets | 2.6175% | 3,593 |
| Net interest margin | 3.3248% | 5,950 |
| Noninterest income to average assets | 1.2903% | 882 |
| Noninterest expense to average assets | 4.9717% | 632 |
| Loan and lease loss provision to assets | 0.5082% | 2,776 |
| Net operating income to assets | -0.6615% | 7,044 |
| Return on assets (ROA) | -0.6615% | 6,937 |
| Pretax return on assets | -1.0602% | 7,039 |
| Return on Equity (ROE) | -6.2335% | 6,981 |
| Retained earnings to average equity (ytd only) | -6.2335% | 6,693 |
| Net charge-offs to loans | 0.3637% | 3,018 |
| Credit loss provision to net charge-offs | 171.3693% | 2,984 |
| Earnings coverage of net charge-offs (x) | -1.8610% | 6,699 |
| Efficiency ratio | 112.3068% | 667 |
| Assets per employee ($millions) | 2.1963% | 7,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,390 |
| Loan loss allowance to noncurrent loans | 48.9889% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 2.0133% | 2,445 |
| Noncurrent loans to loans | 2.2113% | 2,495 |
| Net loans and leases to total assets | 85.5411% | 658 |
| Net loans and leases to deposits | 95.7376% | 2,482 |
| Net loans and leases to core deposits | 111.2149% | 3,650 |
| Total domestic deposits to total assets | 89.3495% | 897 |
| Equity capital to assets | 10.4229% | 3,587 |
| Core capital (leverage) ratio | 9.6042% | 3,871 |
| Tier 1 risk-based capital ratio | 14.1837% | 3,456 |
| Total risk-based capital ratio | 15.4358% | 3,381 |
| Memoranda: | ||
| Average total assets | $162,519,000 | 3,677 |
| Average earning assets | $152,972,200 | 3,597 |
| Average equity | $17,245,400 | 3,692 |
| Average total loans | $132,537,000 | 3,228 |