Home > Tidelands Bank > Performance and Condition Ratios
Tidelands Bank, Performance and Condition Ratios
| 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 | 4.3224% | 2,084 |
| Cost of funding earning assets | 1.0631% | 106 |
| Net interest margin | 3.2593% | 4,352 |
| Noninterest income to average assets | 0.2666% | 4,884 |
| Noninterest expense to average assets | 4.2786% | 454 |
| Loan and lease loss provision to assets | 0.0938% | 2,278 |
| Net operating income to assets | -1.2638% | 5,989 |
| Return on assets (ROA) | -1.2656% | 5,992 |
| Pretax return on assets | -1.2656% | 5,984 |
| Return on Equity (ROE) | -24.0704% | 6,018 |
| Retained earnings to average equity (ytd only) | -24.0704% | 5,989 |
| Net charge-offs to loans | 0.5236% | 402 |
| Credit loss provision to net charge-offs | 25.3538% | 2,893 |
| Earnings coverage of net charge-offs (x) | -3.1616% | 3,615 |
| Efficiency ratio | 137.6386% | 56 |
| Assets per employee ($millions) | 5.8604% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 4,159 |
| Loan loss allowance to noncurrent loans | 59.5878% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 3.5041% | 305 |
| Noncurrent loans to loans | 1.7811% | 1,169 |
| Net loans and leases to total assets | 71.4147% | 2,262 |
| Net loans and leases to deposits | 79.8969% | 2,941 |
| Net loans and leases to core deposits | 85.3490% | 2,952 |
| Total domestic deposits to total assets | 89.3835% | 730 |
| Equity capital to assets | 5.0957% | 6,030 |
| Core capital (leverage) ratio | 5.0378% | 6,028 |
| Tier 1 risk-based capital ratio | 6.4504% | 6,035 |
| Total risk-based capital ratio | 7.4202% | 6,039 |
| Memoranda: | ||
| Average total assets | $458,282,670 | 1,497 |
| Average earning assets | $399,591,670 | 1,571 |
| Average equity | $24,096,000 | 2,826 |
| Average total loans | $323,901,000 | 1,441 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,603 |
| Cost of funding earning assets | 1.0596% | 112 |
| Net interest margin | 3.1060% | 4,845 |
| Noninterest income to average assets | 0.0680% | 5,914 |
| Noninterest expense to average assets | 3.0375% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2470% | 5,898 |
| Return on assets (ROA) | -0.2470% | 5,907 |
| Pretax return on assets | -0.2470% | 5,902 |
| Return on Equity (ROE) | -4.6298% | 5,964 |
| Retained earnings to average equity (ytd only) | -4.6298% | 5,588 |
| Net charge-offs to loans | 0.2584% | 804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.3667% | 3,012 |
| Efficiency ratio | 108.8526% | 166 |
| Assets per employee ($millions) | 5.9451% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,610 |
| Loan loss allowance to noncurrent loans | 53.2935% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 4.1152% | 239 |
| Noncurrent loans to loans | 2.2121% | 923 |
| Net loans and leases to total assets | 69.3235% | 2,453 |
| Net loans and leases to deposits | 77.7816% | 3,023 |
| Net loans and leases to core deposits | 82.9285% | 3,052 |
| Total domestic deposits to total assets | 89.1259% | 1,035 |
| Equity capital to assets | 5.3658% | 6,082 |
| Core capital (leverage) ratio | 5.4843% | 6,080 |
| Tier 1 risk-based capital ratio | 7.0986% | 6,089 |
| Total risk-based capital ratio | 8.1742% | 6,091 |
| Memoranda: | ||
| Average total assets | $464,727,500 | 1,478 |
| Average earning assets | $407,342,000 | 1,540 |
| Average equity | $24,796,000 | 2,767 |
| Average total loans | $325,107,500 | 1,423 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 2,933 |
| Cost of funding earning assets | 1.1106% | 94 |
| Net interest margin | 2.9862% | 5,173 |
| Noninterest income to average assets | 0.4638% | 3,572 |
| Noninterest expense to average assets | 3.1130% | 2,192 |
| Loan and lease loss provision to assets | 0.2478% | 769 |
| Net operating income to assets | -0.2881% | 5,990 |
| Return on assets (ROA) | -0.2868% | 5,993 |
| Pretax return on assets | -0.2868% | 5,983 |
| Return on Equity (ROE) | -5.3654% | 6,054 |
| Retained earnings to average equity (ytd only) | -5.3654% | 5,930 |
| Net charge-offs to loans | 0.5852% | 414 |
| Credit loss provision to net charge-offs | 62.5000% | 3,231 |
| Earnings coverage of net charge-offs (x) | -0.1016% | 4,277 |
| Efficiency ratio | 101.3109% | 259 |
| Assets per employee ($millions) | 5.8954% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 3,212 |
| Loan loss allowance to noncurrent loans | 52.3692% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 4.3967% | 225 |
| Noncurrent loans to loans | 2.3772% | 796 |
| Net loans and leases to total assets | 68.8950% | 2,560 |
| Net loans and leases to deposits | 76.3050% | 3,214 |
| Net loans and leases to core deposits | 81.7451% | 3,175 |
| Total domestic deposits to total assets | 90.2890% | 505 |
| Equity capital to assets | 5.3056% | 6,139 |
| Core capital (leverage) ratio | 5.4746% | 6,136 |
| Tier 1 risk-based capital ratio | 7.1920% | 6,144 |
| Total risk-based capital ratio | 8.3283% | 6,145 |
| Memoranda: | ||
| Average total assets | $474,167,000 | 1,426 |
| Average earning assets | $414,278,200 | 1,487 |
| Average equity | $25,347,400 | 2,664 |
| Average total loans | $321,251,600 | 1,383 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,078 |
| Cost of funding earning assets | 1.1139% | 92 |
| Net interest margin | 2.9517% | 5,301 |
| Noninterest income to average assets | 0.5229% | 3,210 |
| Noninterest expense to average assets | 3.1035% | 2,212 |
| Loan and lease loss provision to assets | 0.3289% | 422 |
| Net operating income to assets | -0.3309% | 6,095 |
| Return on assets (ROA) | -0.3292% | 6,106 |
| Pretax return on assets | -0.3292% | 6,095 |
| Return on Equity (ROE) | -6.1472% | 6,152 |
| Retained earnings to average equity (ytd only) | -6.1472% | 6,059 |
| Net charge-offs to loans | 0.3775% | 686 |
| Credit loss provision to net charge-offs | 129.5480% | 1,883 |
| Earnings coverage of net charge-offs (x) | -0.0077% | 3,992 |
| Efficiency ratio | 100.0632% | 299 |
| Assets per employee ($millions) | 5.6983% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,945 |
| Loan loss allowance to noncurrent loans | 71.0061% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 4.1130% | 277 |
| Noncurrent loans to loans | 2.1903% | 1,005 |
| Net loans and leases to total assets | 66.3603% | 2,957 |
| Net loans and leases to deposits | 73.4253% | 3,603 |
| Net loans and leases to core deposits | 78.5342% | 3,560 |
| Total domestic deposits to total assets | 90.3779% | 435 |
| Equity capital to assets | 5.2643% | 6,222 |
| Core capital (leverage) ratio | 5.3825% | 6,219 |
| Tier 1 risk-based capital ratio | 7.2854% | 6,228 |
| Total risk-based capital ratio | 8.5372% | 6,229 |
| Memoranda: | ||
| Average total assets | $476,274,250 | 1,424 |
| Average earning assets | $416,064,000 | 1,494 |
| Average equity | $25,506,750 | 2,676 |
| Average total loans | $320,335,750 | 1,393 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,086 |
| Cost of funding earning assets | 1.1168% | 83 |
| Net interest margin | 2.9309% | 5,383 |
| Noninterest income to average assets | 0.5224% | 3,209 |
| Noninterest expense to average assets | 3.1076% | 2,227 |
| Loan and lease loss provision to assets | 0.4942% | 198 |
| Net operating income to assets | -0.5262% | 6,194 |
| Return on assets (ROA) | -0.5237% | 6,204 |
| Pretax return on assets | -0.5237% | 6,192 |
| Return on Equity (ROE) | -9.7229% | 6,256 |
| Retained earnings to average equity (ytd only) | -9.7229% | 6,173 |
| Net charge-offs to loans | 0.3261% | 810 |
| Credit loss provision to net charge-offs | 225.5278% | 1,125 |
| Earnings coverage of net charge-offs (x) | -0.1459% | 3,724 |
| Efficiency ratio | 101.0394% | 297 |
| Assets per employee ($millions) | 5.7951% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 1,625 |
| Loan loss allowance to noncurrent loans | 71.2365% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 4.4443% | 268 |
| Noncurrent loans to loans | 2.3732% | 973 |
| Net loans and leases to total assets | 66.1315% | 2,927 |
| Net loans and leases to deposits | 73.0972% | 3,608 |
| Net loans and leases to core deposits | 77.8508% | 3,595 |
| Total domestic deposits to total assets | 90.4707% | 467 |
| Equity capital to assets | 5.1814% | 6,294 |
| Core capital (leverage) ratio | 5.4374% | 6,288 |
| Tier 1 risk-based capital ratio | 7.3162% | 6,300 |
| Total risk-based capital ratio | 8.5696% | 6,301 |
| Memoranda: | ||
| Average total assets | $475,480,000 | 1,433 |
| Average earning assets | $414,207,000 | 1,509 |
| Average equity | $25,609,670 | 2,678 |
| Average total loans | $319,562,330 | 1,403 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,005 |
| Cost of funding earning assets | 1.1117% | 90 |
| Net interest margin | 2.9464% | 5,353 |
| Noninterest income to average assets | 0.2733% | 4,993 |
| Noninterest expense to average assets | 3.0310% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1943% | 6,143 |
| Return on assets (ROA) | -0.1892% | 6,163 |
| Pretax return on assets | -0.1892% | 6,152 |
| Return on Equity (ROE) | -3.4478% | 6,228 |
| Retained earnings to average equity (ytd only) | -3.4478% | 5,827 |
| Net charge-offs to loans | -0.0551% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8485% | 228 |
| Assets per employee ($millions) | 6.1046% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 2,473 |
| Loan loss allowance to noncurrent loans | 49.9063% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 5.6334% | 197 |
| Noncurrent loans to loans | 2.9922% | 723 |
| Net loans and leases to total assets | 66.4140% | 2,706 |
| Net loans and leases to deposits | 73.6679% | 3,354 |
| Net loans and leases to core deposits | 78.3187% | 3,345 |
| Total domestic deposits to total assets | 90.1533% | 673 |
| Equity capital to assets | 5.5158% | 6,355 |
| Core capital (leverage) ratio | 5.6871% | 6,341 |
| Tier 1 risk-based capital ratio | 7.5322% | 6,363 |
| Total risk-based capital ratio | 8.7835% | 6,362 |
| Memoranda: | ||
| Average total assets | $475,621,500 | 1,439 |
| Average earning assets | $413,793,500 | 1,514 |
| Average equity | $26,103,500 | 2,667 |
| Average total loans | $319,514,000 | 1,403 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 2,727 |
| Cost of funding earning assets | 1.1359% | 111 |
| Net interest margin | 3.1273% | 5,140 |
| Noninterest income to average assets | 0.2453% | 5,371 |
| Noninterest expense to average assets | 2.8854% | 3,191 |
| Loan and lease loss provision to assets | 0.0148% | 4,313 |
| Net operating income to assets | 0.0556% | 6,013 |
| Return on assets (ROA) | 0.0491% | 6,047 |
| Pretax return on assets | 0.0499% | 6,043 |
| Return on Equity (ROE) | 0.9467% | 5,974 |
| Retained earnings to average equity (ytd only) | 0.9467% | 5,353 |
| Net charge-offs to loans | 0.3737% | 1,154 |
| Credit loss provision to net charge-offs | 5.8292% | 4,151 |
| Earnings coverage of net charge-offs (x) | 0.2816% | 4,673 |
| Efficiency ratio | 97.5862% | 440 |
| Assets per employee ($millions) | 6.1722% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 2,325 |
| Loan loss allowance to noncurrent loans | 70.0100% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 5.1890% | 253 |
| Noncurrent loans to loans | 2.1906% | 1,219 |
| Net loans and leases to total assets | 65.9112% | 2,901 |
| Net loans and leases to deposits | 73.1691% | 3,532 |
| Net loans and leases to core deposits | 77.4967% | 3,563 |
| Total domestic deposits to total assets | 90.0807% | 700 |
| Equity capital to assets | 5.4951% | 6,437 |
| Core capital (leverage) ratio | 5.7070% | 6,428 |
| Tier 1 risk-based capital ratio | 7.7471% | 6,452 |
| Total risk-based capital ratio | 8.9987% | 6,451 |
| Memoranda: | ||
| Average total assets | $480,597,600 | 1,390 |
| Average earning assets | $416,685,200 | 1,475 |
| Average equity | $24,929,800 | 2,666 |
| Average total loans | $325,968,200 | 1,341 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,844 |
| Cost of funding earning assets | 1.1318% | 119 |
| Net interest margin | 3.1071% | 5,237 |
| Noninterest income to average assets | 0.2800% | 5,198 |
| Noninterest expense to average assets | 2.8584% | 3,263 |
| Loan and lease loss provision to assets | 0.0196% | 4,009 |
| Net operating income to assets | 0.0907% | 6,039 |
| Return on assets (ROA) | 0.0907% | 6,064 |
| Pretax return on assets | 0.0952% | 6,066 |
| Return on Equity (ROE) | 1.7753% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.7753% | 5,166 |
| Net charge-offs to loans | 0.3871% | 1,031 |
| Credit loss provision to net charge-offs | 7.4580% | 3,738 |
| Earnings coverage of net charge-offs (x) | 0.4359% | 4,388 |
| Efficiency ratio | 96.1385% | 503 |
| Assets per employee ($millions) | 6.3347% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 2,326 |
| Loan loss allowance to noncurrent loans | 54.4272% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 5.9027% | 240 |
| Noncurrent loans to loans | 2.9236% | 922 |
| Net loans and leases to total assets | 66.0916% | 2,854 |
| Net loans and leases to deposits | 73.1496% | 3,544 |
| Net loans and leases to core deposits | 77.5135% | 3,584 |
| Total domestic deposits to total assets | 90.3512% | 595 |
| Equity capital to assets | 5.2950% | 6,515 |
| Core capital (leverage) ratio | 5.6443% | 6,499 |
| Tier 1 risk-based capital ratio | 7.6124% | 6,521 |
| Total risk-based capital ratio | 8.8647% | 6,521 |
| Memoranda: | ||
| Average total assets | $481,933,000 | 1,396 |
| Average earning assets | $417,739,750 | 1,475 |
| Average equity | $24,633,250 | 2,708 |
| Average total loans | $327,928,750 | 1,339 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2530% | 2,763 |
| Cost of funding earning assets | 1.1224% | 133 |
| Net interest margin | 3.1306% | 5,156 |
| Noninterest income to average assets | 0.2344% | 5,522 |
| Noninterest expense to average assets | 2.8476% | 3,342 |
| Loan and lease loss provision to assets | 0.0295% | 3,681 |
| Net operating income to assets | 0.0664% | 6,104 |
| Return on assets (ROA) | 0.0664% | 6,126 |
| Pretax return on assets | 0.0697% | 6,125 |
| Return on Equity (ROE) | 1.3143% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.3143% | 5,218 |
| Net charge-offs to loans | 0.5755% | 705 |
| Credit loss provision to net charge-offs | 7.4895% | 3,329 |
| Earnings coverage of net charge-offs (x) | 0.2521% | 4,083 |
| Efficiency ratio | 96.6352% | 531 |
| Assets per employee ($millions) | 6.5500% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 2,579 |
| Loan loss allowance to noncurrent loans | 42.1324% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 6.0208% | 247 |
| Noncurrent loans to loans | 3.7271% | 674 |
| Net loans and leases to total assets | 66.5863% | 2,659 |
| Net loans and leases to deposits | 74.2337% | 3,292 |
| Net loans and leases to core deposits | 78.3474% | 3,400 |
| Total domestic deposits to total assets | 89.6982% | 968 |
| Equity capital to assets | 5.1912% | 6,577 |
| Core capital (leverage) ratio | 5.6414% | 6,557 |
| Tier 1 risk-based capital ratio | 7.5593% | 6,579 |
| Total risk-based capital ratio | 8.8115% | 6,579 |
| Memoranda: | ||
| Average total assets | $482,098,000 | 1,390 |
| Average earning assets | $417,684,670 | 1,471 |
| Average equity | $24,347,000 | 2,726 |
| Average total loans | $329,460,000 | 1,322 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 2,736 |
| Cost of funding earning assets | 1.1143% | 150 |
| Net interest margin | 3.1217% | 5,171 |
| Noninterest income to average assets | 0.1922% | 5,810 |
| Noninterest expense to average assets | 2.8519% | 3,371 |
| Loan and lease loss provision to assets | 0.0341% | 3,370 |
| Net operating income to assets | 0.0075% | 6,201 |
| Return on assets (ROA) | 0.0075% | 6,219 |
| Pretax return on assets | 0.0075% | 6,209 |
| Return on Equity (ROE) | 0.1504% | 6,206 |
| Retained earnings to average equity (ytd only) | 0.1504% | 5,500 |
| Net charge-offs to loans | 0.1853% | 1,612 |
| Credit loss provision to net charge-offs | 26.7974% | 2,430 |
| Earnings coverage of net charge-offs (x) | 0.3268% | 3,373 |
| Efficiency ratio | 98.5624% | 523 |
| Assets per employee ($millions) | 6.2651% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 2,058 |
| Loan loss allowance to noncurrent loans | 42.8520% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 6.8445% | 225 |
| Noncurrent loans to loans | 4.1898% | 619 |
| Net loans and leases to total assets | 67.9375% | 2,232 |
| Net loans and leases to deposits | 75.7369% | 2,837 |
| Net loans and leases to core deposits | 79.8085% | 2,988 |
| Total domestic deposits to total assets | 89.7019% | 1,241 |
| Equity capital to assets | 5.1228% | 6,625 |
| Core capital (leverage) ratio | 5.6039% | 6,620 |
| Tier 1 risk-based capital ratio | 7.4665% | 6,640 |
| Total risk-based capital ratio | 8.7212% | 6,640 |
| Memoranda: | ||
| Average total assets | $480,796,000 | 1,401 |
| Average earning assets | $416,055,500 | 1,488 |
| Average equity | $23,939,500 | 2,761 |
| Average total loans | $330,243,000 | 1,327 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 3,429 |
| Cost of funding earning assets | 1.1709% | 205 |
| Net interest margin | 3.0050% | 5,568 |
| Noninterest income to average assets | 0.1355% | 6,256 |
| Noninterest expense to average assets | 2.7235% | 4,017 |
| Loan and lease loss provision to assets | 0.0864% | 3,380 |
| Net operating income to assets | -0.0642% | 6,265 |
| Return on assets (ROA) | -0.0896% | 6,310 |
| Pretax return on assets | -0.0896% | 6,280 |
| Return on Equity (ROE) | -1.8277% | 6,369 |
| Retained earnings to average equity (ytd only) | -1.8277% | 6,155 |
| Net charge-offs to loans | 0.3362% | 1,996 |
| Credit loss provision to net charge-offs | 38.2923% | 4,078 |
| Earnings coverage of net charge-offs (x) | 0.0986% | 5,053 |
| Efficiency ratio | 99.1897% | 504 |
| Assets per employee ($millions) | 6.3045% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 2,005 |
| Loan loss allowance to noncurrent loans | 42.9111% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 6.7435% | 256 |
| Noncurrent loans to loans | 4.2415% | 658 |
| Net loans and leases to total assets | 66.9620% | 2,529 |
| Net loans and leases to deposits | 74.3982% | 3,204 |
| Net loans and leases to core deposits | 78.7114% | 3,274 |
| Total domestic deposits to total assets | 90.0048% | 1,074 |
| Equity capital to assets | 4.8383% | 6,698 |
| Core capital (leverage) ratio | 5.4778% | 6,691 |
| Tier 1 risk-based capital ratio | 7.4046% | 6,714 |
| Total risk-based capital ratio | 8.6597% | 6,715 |
| Memoranda: | ||
| Average total assets | $503,401,200 | 1,326 |
| Average earning assets | $437,264,600 | 1,391 |
| Average equity | $24,675,200 | 2,656 |
| Average total loans | $337,918,200 | 1,262 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,928 |
| Cost of funding earning assets | 1.1826% | 215 |
| Net interest margin | 2.8701% | 5,877 |
| Noninterest income to average assets | 0.1830% | 6,095 |
| Noninterest expense to average assets | 2.6519% | 4,194 |
| Loan and lease loss provision to assets | 0.1142% | 2,865 |
| Net operating income to assets | -0.0882% | 6,372 |
| Return on assets (ROA) | -0.1218% | 6,435 |
| Pretax return on assets | -0.1218% | 6,416 |
| Return on Equity (ROE) | -2.4773% | 6,502 |
| Retained earnings to average equity (ytd only) | -2.4773% | 6,309 |
| Net charge-offs to loans | 0.1186% | 3,361 |
| Credit loss provision to net charge-offs | 144.0397% | 1,632 |
| Earnings coverage of net charge-offs (x) | 0.3278% | 4,754 |
| Efficiency ratio | 99.0295% | 496 |
| Assets per employee ($millions) | 6.4785% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0308% | 1,651 |
| Loan loss allowance to noncurrent loans | 27.9327% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 9.0657% | 172 |
| Noncurrent loans to loans | 7.2705% | 276 |
| Net loans and leases to total assets | 67.2129% | 2,428 |
| Net loans and leases to deposits | 74.6268% | 3,138 |
| Net loans and leases to core deposits | 78.6473% | 3,280 |
| Total domestic deposits to total assets | 90.0653% | 956 |
| Equity capital to assets | 4.8241% | 6,779 |
| Core capital (leverage) ratio | 5.3569% | 6,766 |
| Tier 1 risk-based capital ratio | 7.2451% | 6,793 |
| Total risk-based capital ratio | 8.5027% | 6,793 |
| Memoranda: | ||
| Average total assets | $507,890,500 | 1,317 |
| Average earning assets | $441,511,000 | 1,384 |
| Average equity | $24,972,250 | 2,654 |
| Average total loans | $339,625,500 | 1,258 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 4,398 |
| Cost of funding earning assets | 1.1968% | 217 |
| Net interest margin | 2.7242% | 6,140 |
| Noninterest income to average assets | 0.1614% | 6,247 |
| Noninterest expense to average assets | 2.7182% | 3,967 |
| Loan and lease loss provision to assets | 0.1520% | 2,424 |
| Net operating income to assets | -0.3352% | 6,570 |
| Return on assets (ROA) | -0.3851% | 6,619 |
| Pretax return on assets | -0.3851% | 6,589 |
| Return on Equity (ROE) | -7.7860% | 6,705 |
| Retained earnings to average equity (ytd only) | -7.7860% | 6,603 |
| Net charge-offs to loans | 0.3110% | 1,938 |
| Credit loss provision to net charge-offs | 73.7240% | 2,749 |
| Earnings coverage of net charge-offs (x) | -0.8885% | 4,704 |
| Efficiency ratio | 107.2274% | 324 |
| Assets per employee ($millions) | 6.3683% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9333% | 2,009 |
| Loan loss allowance to noncurrent loans | 30.1221% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 8.4239% | 222 |
| Noncurrent loans to loans | 6.4184% | 411 |
| Net loans and leases to total assets | 66.4228% | 2,516 |
| Net loans and leases to deposits | 74.2233% | 3,120 |
| Net loans and leases to core deposits | 77.8912% | 3,309 |
| Total domestic deposits to total assets | 89.4906% | 1,334 |
| Equity capital to assets | 4.7331% | 6,839 |
| Core capital (leverage) ratio | 5.0491% | 6,827 |
| Tier 1 risk-based capital ratio | 6.8496% | 6,853 |
| Total risk-based capital ratio | 8.1062% | 6,856 |
| Memoranda: | ||
| Average total assets | $513,066,000 | 1,304 |
| Average earning assets | $447,038,330 | 1,371 |
| Average equity | $25,379,000 | 2,643 |
| Average total loans | $340,236,670 | 1,246 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 4,803 |
| Cost of funding earning assets | 1.2341% | 202 |
| Net interest margin | 2.5737% | 6,411 |
| Noninterest income to average assets | 0.1189% | 6,507 |
| Noninterest expense to average assets | 2.4731% | 4,851 |
| Loan and lease loss provision to assets | 0.1428% | 2,454 |
| Net operating income to assets | -0.2525% | 6,545 |
| Return on assets (ROA) | -0.2471% | 6,576 |
| Pretax return on assets | -0.2471% | 6,568 |
| Return on Equity (ROE) | -4.8925% | 6,689 |
| Retained earnings to average equity (ytd only) | -4.8925% | 6,356 |
| Net charge-offs to loans | 0.2588% | 1,922 |
| Credit loss provision to net charge-offs | 84.0909% | 2,109 |
| Earnings coverage of net charge-offs (x) | -0.6455% | 3,937 |
| Efficiency ratio | 104.6390% | 425 |
| Assets per employee ($millions) | 6.7272% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9692% | 2,124 |
| Loan loss allowance to noncurrent loans | 25.2519% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 9.5791% | 215 |
| Noncurrent loans to loans | 7.7981% | 348 |
| Net loans and leases to total assets | 65.1612% | 2,520 |
| Net loans and leases to deposits | 72.9966% | 3,052 |
| Net loans and leases to core deposits | 76.6674% | 3,235 |
| Total domestic deposits to total assets | 89.2661% | 1,513 |
| Equity capital to assets | 5.0416% | 6,887 |
| Core capital (leverage) ratio | 5.0622% | 6,871 |
| Tier 1 risk-based capital ratio | 6.9472% | 6,901 |
| Total risk-based capital ratio | 8.2038% | 6,902 |
| Memoranda: | ||
| Average total assets | $518,053,000 | 1,303 |
| Average earning assets | $451,809,000 | 1,363 |
| Average equity | $26,162,500 | 2,602 |
| Average total loans | $339,977,000 | 1,249 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 3,759 |
| Cost of funding earning assets | 1.4133% | 241 |
| Net interest margin | 3.0009% | 6,050 |
| Noninterest income to average assets | -0.0526% | 6,886 |
| Noninterest expense to average assets | 2.5673% | 4,874 |
| Loan and lease loss provision to assets | 0.5711% | 983 |
| Net operating income to assets | -0.5642% | 6,603 |
| Return on assets (ROA) | -0.4318% | 6,579 |
| Pretax return on assets | -0.4318% | 6,542 |
| Return on Equity (ROE) | -8.0925% | 6,683 |
| Retained earnings to average equity (ytd only) | -8.0925% | 6,576 |
| Net charge-offs to loans | 1.8350% | 432 |
| Credit loss provision to net charge-offs | 45.7333% | 4,791 |
| Earnings coverage of net charge-offs (x) | 0.0056% | 5,480 |
| Efficiency ratio | 99.7289% | 573 |
| Assets per employee ($millions) | 6.8161% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9779% | 2,079 |
| Loan loss allowance to noncurrent loans | 29.0985% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 8.7199% | 295 |
| Noncurrent loans to loans | 6.7972% | 477 |
| Net loans and leases to total assets | 63.5218% | 2,975 |
| Net loans and leases to deposits | 73.8020% | 3,127 |
| Net loans and leases to core deposits | 77.7337% | 3,297 |
| Total domestic deposits to total assets | 86.0705% | 3,320 |
| Equity capital to assets | 5.0585% | 6,948 |
| Core capital (leverage) ratio | 5.0460% | 6,930 |
| Tier 1 risk-based capital ratio | 6.8066% | 6,963 |
| Total risk-based capital ratio | 8.0627% | 6,965 |
| Memoranda: | ||
| Average total assets | $530,162,200 | 1,260 |
| Average earning assets | $464,094,600 | 1,313 |
| Average equity | $28,285,400 | 2,373 |
| Average total loans | $360,810,200 | 1,159 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 3,494 |
| Cost of funding earning assets | 1.4442% | 253 |
| Net interest margin | 3.0919% | 5,957 |
| Noninterest income to average assets | 0.0171% | 6,896 |
| Noninterest expense to average assets | 2.5036% | 5,067 |
| Loan and lease loss provision to assets | 0.6924% | 734 |
| Net operating income to assets | -0.4721% | 6,685 |
| Return on assets (ROA) | -0.4041% | 6,695 |
| Pretax return on assets | -0.4041% | 6,660 |
| Return on Equity (ROE) | -7.4791% | 6,800 |
| Retained earnings to average equity (ytd only) | -7.4791% | 6,734 |
| Net charge-offs to loans | 1.8212% | 428 |
| Credit loss provision to net charge-offs | 55.2110% | 4,270 |
| Earnings coverage of net charge-offs (x) | 0.1756% | 5,241 |
| Efficiency ratio | 91.9138% | 892 |
| Assets per employee ($millions) | 6.8269% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3068% | 1,505 |
| Loan loss allowance to noncurrent loans | 32.9904% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 8.5551% | 336 |
| Noncurrent loans to loans | 6.9923% | 522 |
| Net loans and leases to total assets | 65.1038% | 2,817 |
| Net loans and leases to deposits | 75.8446% | 3,005 |
| Net loans and leases to core deposits | 79.8779% | 3,219 |
| Total domestic deposits to total assets | 85.8383% | 3,342 |
| Equity capital to assets | 5.2436% | 7,035 |
| Core capital (leverage) ratio | 5.1478% | 7,011 |
| Tier 1 risk-based capital ratio | 6.9152% | 7,051 |
| Total risk-based capital ratio | 8.1756% | 7,054 |
| Memoranda: | ||
| Average total assets | $531,493,500 | 1,266 |
| Average earning assets | $465,293,500 | 1,330 |
| Average equity | $28,719,500 | 2,355 |
| Average total loans | $365,984,500 | 1,153 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 3,076 |
| Cost of funding earning assets | 1.4644% | 273 |
| Net interest margin | 3.1994% | 5,743 |
| Noninterest income to average assets | 0.0840% | 6,740 |
| Noninterest expense to average assets | 2.5855% | 4,823 |
| Loan and lease loss provision to assets | 0.2006% | 3,075 |
| Net operating income to assets | 0.1001% | 6,155 |
| Return on assets (ROA) | 0.2017% | 6,094 |
| Pretax return on assets | 0.2017% | 6,145 |
| Return on Equity (ROE) | 3.6970% | 5,406 |
| Retained earnings to average equity (ytd only) | 3.6970% | 4,139 |
| Net charge-offs to loans | 1.9536% | 437 |
| Credit loss provision to net charge-offs | 14.7546% | 4,683 |
| Earnings coverage of net charge-offs (x) | 0.2212% | 4,960 |
| Efficiency ratio | 89.5817% | 1,104 |
| Assets per employee ($millions) | 6.6946% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0093% | 2,202 |
| Loan loss allowance to noncurrent loans | 27.5758% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 9.0458% | 337 |
| Noncurrent loans to loans | 7.2864% | 519 |
| Net loans and leases to total assets | 67.5157% | 2,368 |
| Net loans and leases to deposits | 80.8480% | 2,258 |
| Net loans and leases to core deposits | 84.9704% | 2,567 |
| Total domestic deposits to total assets | 83.5094% | 4,525 |
| Equity capital to assets | 5.6636% | 7,052 |
| Core capital (leverage) ratio | 5.5027% | 7,029 |
| Tier 1 risk-based capital ratio | 7.3225% | 7,073 |
| Total risk-based capital ratio | 8.5797% | 7,075 |
| Memoranda: | ||
| Average total assets | $533,433,670 | 1,267 |
| Average earning assets | $467,208,670 | 1,326 |
| Average equity | $29,104,670 | 2,316 |
| Average total loans | $371,208,000 | 1,138 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 2,548 |
| Cost of funding earning assets | 1.4812% | 316 |
| Net interest margin | 3.3418% | 5,330 |
| Noninterest income to average assets | 0.0252% | 7,034 |
| Noninterest expense to average assets | 2.5088% | 5,121 |
| Loan and lease loss provision to assets | 0.1670% | 3,305 |
| Net operating income to assets | 0.2842% | 5,707 |
| Return on assets (ROA) | 0.3510% | 5,647 |
| Pretax return on assets | 0.3510% | 5,852 |
| Return on Equity (ROE) | 6.5535% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.5535% | 2,650 |
| Net charge-offs to loans | 1.6555% | 582 |
| Credit loss provision to net charge-offs | 14.4231% | 3,848 |
| Earnings coverage of net charge-offs (x) | 0.3897% | 4,162 |
| Efficiency ratio | 84.7581% | 1,605 |
| Assets per employee ($millions) | 7.2778% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4038% | 1,498 |
| Loan loss allowance to noncurrent loans | 27.9124% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 9.4382% | 343 |
| Noncurrent loans to loans | 8.6119% | 418 |
| Net loans and leases to total assets | 66.8333% | 2,325 |
| Net loans and leases to deposits | 79.2721% | 2,303 |
| Net loans and leases to core deposits | 83.1682% | 2,660 |
| Total domestic deposits to total assets | 84.3088% | 4,365 |
| Equity capital to assets | 5.2939% | 7,122 |
| Core capital (leverage) ratio | 5.4268% | 7,085 |
| Tier 1 risk-based capital ratio | 7.1678% | 7,119 |
| Total risk-based capital ratio | 8.4300% | 7,122 |
| Memoranda: | ||
| Average total assets | $539,063,000 | 1,257 |
| Average earning assets | $473,395,000 | 1,316 |
| Average equity | $28,870,000 | 2,331 |
| Average total loans | $376,922,500 | 1,122 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 3,603 |
| Cost of funding earning assets | 1.5801% | 516 |
| Net interest margin | 3.2655% | 5,917 |
| Noninterest income to average assets | 0.2980% | 5,394 |
| Noninterest expense to average assets | 3.0915% | 3,227 |
| Loan and lease loss provision to assets | 1.9580% | 312 |
| Net operating income to assets | -1.8321% | 6,996 |
| Return on assets (ROA) | -1.5036% | 6,929 |
| Pretax return on assets | -1.5413% | 6,908 |
| Return on Equity (ROE) | -26.2673% | 7,060 |
| Retained earnings to average equity (ytd only) | -26.2673% | 7,050 |
| Net charge-offs to loans | 2.8810% | 353 |
| Credit loss provision to net charge-offs | 90.3130% | 3,992 |
| Earnings coverage of net charge-offs (x) | 0.0376% | 5,794 |
| Efficiency ratio | 97.4316% | 756 |
| Assets per employee ($millions) | 7.1931% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7154% | 1,066 |
| Loan loss allowance to noncurrent loans | 30.0945% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 9.9941% | 335 |
| Noncurrent loans to loans | 9.0228% | 392 |
| Net loans and leases to total assets | 69.4621% | 2,133 |
| Net loans and leases to deposits | 82.7867% | 2,095 |
| Net loans and leases to core deposits | 86.4679% | 2,576 |
| Total domestic deposits to total assets | 83.9049% | 4,350 |
| Equity capital to assets | 5.4188% | 7,140 |
| Core capital (leverage) ratio | 5.3991% | 7,105 |
| Tier 1 risk-based capital ratio | 7.1007% | 7,151 |
| Total risk-based capital ratio | 8.3672% | 7,151 |
| Memoranda: | ||
| Average total assets | $542,350,400 | 1,219 |
| Average earning assets | $477,504,600 | 1,282 |
| Average equity | $31,046,200 | 2,126 |
| Average total loans | $408,125,800 | 1,039 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 3,593 |
| Cost of funding earning assets | 1.5998% | 583 |
| Net interest margin | 3.2934% | 5,876 |
| Noninterest income to average assets | 0.2790% | 5,615 |
| Noninterest expense to average assets | 3.0130% | 3,510 |
| Loan and lease loss provision to assets | 2.4593% | 184 |
| Net operating income to assets | -2.2648% | 7,188 |
| Return on assets (ROA) | -1.9782% | 7,145 |
| Pretax return on assets | -2.0012% | 7,124 |
| Return on Equity (ROE) | -34.1124% | 7,228 |
| Retained earnings to average equity (ytd only) | -34.1124% | 7,220 |
| Net charge-offs to loans | 3.2952% | 255 |
| Credit loss provision to net charge-offs | 97.9532% | 3,490 |
| Earnings coverage of net charge-offs (x) | 0.0672% | 5,553 |
| Efficiency ratio | 94.7008% | 878 |
| Assets per employee ($millions) | 7.3884% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8376% | 996 |
| Loan loss allowance to noncurrent loans | 35.9324% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 9.3691% | 403 |
| Noncurrent loans to loans | 7.8972% | 561 |
| Net loans and leases to total assets | 72.4056% | 1,625 |
| Net loans and leases to deposits | 86.6295% | 1,605 |
| Net loans and leases to core deposits | 90.0199% | 2,242 |
| Total domestic deposits to total assets | 83.5808% | 4,442 |
| Equity capital to assets | 5.5461% | 7,226 |
| Core capital (leverage) ratio | 5.4417% | 7,190 |
| Tier 1 risk-based capital ratio | 6.9865% | 7,245 |
| Total risk-based capital ratio | 8.2552% | 7,244 |
| Memoranda: | ||
| Average total assets | $544,865,000 | 1,217 |
| Average earning assets | $480,219,250 | 1,274 |
| Average equity | $31,596,750 | 2,101 |
| Average total loans | $415,142,000 | 1,015 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 3,482 |
| Cost of funding earning assets | 1.6342% | 612 |
| Net interest margin | 3.2980% | 5,863 |
| Noninterest income to average assets | 0.2156% | 6,124 |
| Noninterest expense to average assets | 3.2220% | 2,827 |
| Loan and lease loss provision to assets | 3.5508% | 104 |
| Net operating income to assets | -3.6066% | 7,371 |
| Return on assets (ROA) | -3.6066% | 7,373 |
| Pretax return on assets | -3.6408% | 7,369 |
| Return on Equity (ROE) | -61.3290% | 7,375 |
| Retained earnings to average equity (ytd only) | -61.3290% | 7,372 |
| Net charge-offs to loans | 3.6917% | 238 |
| Credit loss provision to net charge-offs | 125.3536% | 2,434 |
| Earnings coverage of net charge-offs (x) | -0.0318% | 5,303 |
| Efficiency ratio | 102.8721% | 637 |
| Assets per employee ($millions) | 6.8181% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3200% | 693 |
| Loan loss allowance to noncurrent loans | 53.6811% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 8.1099% | 559 |
| Noncurrent loans to loans | 6.1847% | 940 |
| Net loans and leases to total assets | 73.5439% | 1,495 |
| Net loans and leases to deposits | 87.4598% | 1,583 |
| Net loans and leases to core deposits | 91.3054% | 2,220 |
| Total domestic deposits to total assets | 84.0889% | 4,306 |
| Equity capital to assets | 5.1458% | 7,317 |
| Core capital (leverage) ratio | 5.0055% | 7,300 |
| Tier 1 risk-based capital ratio | 6.4842% | 7,341 |
| Total risk-based capital ratio | 7.7591% | 7,342 |
| Memoranda: | ||
| Average total assets | $549,165,670 | 1,220 |
| Average earning assets | $485,625,330 | 1,261 |
| Average equity | $32,294,670 | 2,045 |
| Average total loans | $421,382,670 | 1,020 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 3,264 |
| Cost of funding earning assets | 1.5882% | 852 |
| Net interest margin | 3.3774% | 5,516 |
| Noninterest income to average assets | 0.2302% | 6,076 |
| Noninterest expense to average assets | 3.0998% | 3,244 |
| Loan and lease loss provision to assets | 3.0130% | 155 |
| Net operating income to assets | -2.8818% | 7,383 |
| Return on assets (ROA) | -2.8818% | 7,388 |
| Pretax return on assets | -2.8818% | 7,367 |
| Return on Equity (ROE) | -46.2499% | 7,396 |
| Retained earnings to average equity (ytd only) | -46.2499% | 7,382 |
| Net charge-offs to loans | 3.0442% | 356 |
| Credit loss provision to net charge-offs | 128.4622% | 2,153 |
| Earnings coverage of net charge-offs (x) | 0.0559% | 4,547 |
| Efficiency ratio | 95.9387% | 923 |
| Assets per employee ($millions) | 6.7435% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9366% | 970 |
| Loan loss allowance to noncurrent loans | 43.4462% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 7.8866% | 610 |
| Noncurrent loans to loans | 6.7592% | 848 |
| Net loans and leases to total assets | 74.9734% | 1,184 |
| Net loans and leases to deposits | 89.8341% | 1,253 |
| Net loans and leases to core deposits | 93.3942% | 1,963 |
| Total domestic deposits to total assets | 83.4576% | 4,715 |
| Equity capital to assets | 5.9973% | 7,287 |
| Core capital (leverage) ratio | 5.8691% | 7,271 |
| Tier 1 risk-based capital ratio | 7.6140% | 7,319 |
| Total risk-based capital ratio | 8.8846% | 7,321 |
| Memoranda: | ||
| Average total assets | $557,843,500 | 1,207 |
| Average earning assets | $495,654,500 | 1,240 |
| Average equity | $34,759,000 | 1,908 |
| Average total loans | $429,801,500 | 1,015 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9337% | 4,864 |
| Cost of funding earning assets | 1.8396% | 1,028 |
| Net interest margin | 3.0940% | 6,533 |
| Noninterest income to average assets | 0.1854% | 6,429 |
| Noninterest expense to average assets | 2.9785% | 3,932 |
| Loan and lease loss provision to assets | 2.5012% | 443 |
| Net operating income to assets | -2.4847% | 7,171 |
| Return on assets (ROA) | -2.2167% | 7,131 |
| Pretax return on assets | -2.2167% | 7,092 |
| Return on Equity (ROE) | -32.5811% | 7,263 |
| Retained earnings to average equity (ytd only) | -32.5811% | 7,253 |
| Net charge-offs to loans | 3.1885% | 496 |
| Credit loss provision to net charge-offs | 109.5023% | 4,027 |
| Earnings coverage of net charge-offs (x) | 0.0072% | 6,121 |
| Efficiency ratio | 99.4504% | 795 |
| Assets per employee ($millions) | 6.7793% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6181% | 1,272 |
| Loan loss allowance to noncurrent loans | 32.2271% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 8.3347% | 574 |
| Noncurrent loans to loans | 8.1238% | 628 |
| Net loans and leases to total assets | 74.8479% | 1,507 |
| Net loans and leases to deposits | 88.3622% | 1,744 |
| Net loans and leases to core deposits | 95.1444% | 2,106 |
| Total domestic deposits to total assets | 84.7059% | 3,996 |
| Equity capital to assets | 6.4551% | 7,267 |
| Core capital (leverage) ratio | 6.3754% | 7,222 |
| Tier 1 risk-based capital ratio | 8.2205% | 7,336 |
| Total risk-based capital ratio | 9.4870% | 7,341 |
| Memoranda: | ||
| Average total assets | $650,096,200 | 1,027 |
| Average earning assets | $590,331,000 | 1,026 |
| Average equity | $44,231,200 | 1,513 |
| Average total loans | $465,701,600 | 971 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0297% | 4,675 |
| Cost of funding earning assets | 1.8997% | 1,028 |
| Net interest margin | 3.1299% | 6,536 |
| Noninterest income to average assets | 0.1675% | 6,673 |
| Noninterest expense to average assets | 3.0334% | 3,633 |
| Loan and lease loss provision to assets | 2.1225% | 537 |
| Net operating income to assets | -2.1364% | 7,273 |
| Return on assets (ROA) | -1.7899% | 7,195 |
| Pretax return on assets | -1.7899% | 7,131 |
| Return on Equity (ROE) | -26.0243% | 7,330 |
| Retained earnings to average equity (ytd only) | -26.0243% | 7,321 |
| Net charge-offs to loans | 2.5535% | 653 |
| Credit loss provision to net charge-offs | 117.8615% | 3,521 |
| Earnings coverage of net charge-offs (x) | -0.0077% | 6,035 |
| Efficiency ratio | 100.4612% | 727 |
| Assets per employee ($millions) | 6.6613% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5467% | 1,277 |
| Loan loss allowance to noncurrent loans | 31.6476% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 8.2542% | 595 |
| Noncurrent loans to loans | 8.0472% | 644 |
| Net loans and leases to total assets | 78.8352% | 913 |
| Net loans and leases to deposits | 94.3999% | 1,156 |
| Net loans and leases to core deposits | 106.5780% | 1,277 |
| Total domestic deposits to total assets | 83.5119% | 4,366 |
| Equity capital to assets | 7.5387% | 7,107 |
| Core capital (leverage) ratio | 7.3454% | 6,976 |
| Tier 1 risk-based capital ratio | 9.1794% | 7,331 |
| Total risk-based capital ratio | 10.4459% | 7,340 |
| Memoranda: | ||
| Average total assets | $670,255,250 | 996 |
| Average earning assets | $610,736,250 | 1,001 |
| Average equity | $46,099,250 | 1,466 |
| Average total loans | $472,705,000 | 958 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1757% | 4,065 |
| Cost of funding earning assets | 1.9900% | 932 |
| Net interest margin | 3.1857% | 6,362 |
| Noninterest income to average assets | 0.1682% | 6,701 |
| Noninterest expense to average assets | 3.2806% | 2,627 |
| Loan and lease loss provision to assets | 2.7662% | 383 |
| Net operating income to assets | -2.9654% | 7,506 |
| Return on assets (ROA) | -2.5832% | 7,445 |
| Pretax return on assets | -2.5832% | 7,386 |
| Return on Equity (ROE) | -38.5500% | 7,522 |
| Retained earnings to average equity (ytd only) | -38.5500% | 7,514 |
| Net charge-offs to loans | 2.1009% | 858 |
| Credit loss provision to net charge-offs | 194.3392% | 2,029 |
| Earnings coverage of net charge-offs (x) | -0.1399% | 5,837 |
| Efficiency ratio | 106.4635% | 622 |
| Assets per employee ($millions) | 6.7723% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1715% | 718 |
| Loan loss allowance to noncurrent loans | 53.3514% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 6.8539% | 783 |
| Noncurrent loans to loans | 5.9446% | 1,079 |
| Net loans and leases to total assets | 77.4836% | 1,200 |
| Net loans and leases to deposits | 88.9973% | 2,002 |
| Net loans and leases to core deposits | 115.0099% | 883 |
| Total domestic deposits to total assets | 87.0628% | 2,495 |
| Equity capital to assets | 7.3207% | 7,215 |
| Core capital (leverage) ratio | 5.7641% | 7,515 |
| Tier 1 risk-based capital ratio | 9.0279% | 7,410 |
| Total risk-based capital ratio | 10.3020% | 7,408 |
| Memoranda: | ||
| Average total assets | $704,937,670 | 954 |
| Average earning assets | $644,632,330 | 953 |
| Average equity | $47,237,330 | 1,419 |
| Average total loans | $477,594,670 | 961 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 5,048 |
| Cost of funding earning assets | 1.9535% | 1,234 |
| Net interest margin | 3.0398% | 6,740 |
| Noninterest income to average assets | 0.1822% | 6,650 |
| Noninterest expense to average assets | 2.1290% | 6,864 |
| Loan and lease loss provision to assets | 1.8794% | 598 |
| Net operating income to assets | -1.0154% | 7,111 |
| Return on assets (ROA) | -0.9428% | 7,103 |
| Pretax return on assets | -0.9428% | 7,025 |
| Return on Equity (ROE) | -14.5829% | 7,302 |
| Retained earnings to average equity (ytd only) | -14.5829% | 7,193 |
| Net charge-offs to loans | 2.2559% | 754 |
| Credit loss provision to net charge-offs | 132.0616% | 2,672 |
| Earnings coverage of net charge-offs (x) | 0.6071% | 4,481 |
| Efficiency ratio | 71.1320% | 4,094 |
| Assets per employee ($millions) | 8.9093% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2728% | 1,620 |
| Loan loss allowance to noncurrent loans | 50.7858% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 4.0234% | 1,706 |
| Noncurrent loans to loans | 4.4752% | 1,673 |
| Net loans and leases to total assets | 62.0146% | 4,749 |
| Net loans and leases to deposits | 80.3188% | 3,600 |
| Net loans and leases to core deposits | 122.1247% | 705 |
| Total domestic deposits to total assets | 77.2106% | 6,515 |
| Equity capital to assets | 6.4431% | 7,534 |
| Core capital (leverage) ratio | 6.3602% | 7,516 |
| Tier 1 risk-based capital ratio | 9.5930% | 7,253 |
| Total risk-based capital ratio | 10.8543% | 7,243 |
| Memoranda: | ||
| Average total assets | $766,199,000 | 905 |
| Average earning assets | $708,466,500 | 888 |
| Average equity | $49,537,500 | 1,351 |
| Average total loans | $483,363,500 | 973 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 6,567 |
| Cost of funding earning assets | 2.3385% | 1,498 |
| Net interest margin | 2.6170% | 7,317 |
| Noninterest income to average assets | 0.1842% | 6,773 |
| Noninterest expense to average assets | 2.0148% | 7,351 |
| Loan and lease loss provision to assets | 1.9070% | 1,164 |
| Net operating income to assets | -1.7989% | 7,011 |
| Return on assets (ROA) | -1.1843% | 6,698 |
| Pretax return on assets | -0.7023% | 6,192 |
| Return on Equity (ROE) | -16.9231% | 7,026 |
| Retained earnings to average equity (ytd only) | -16.9231% | 6,983 |
| Net charge-offs to loans | 2.6052% | 868 |
| Credit loss provision to net charge-offs | 119.5670% | 4,486 |
| Earnings coverage of net charge-offs (x) | 0.3700% | 5,747 |
| Efficiency ratio | 77.3458% | 3,302 |
| Assets per employee ($millions) | 9.2274% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0668% | 1,874 |
| Loan loss allowance to noncurrent loans | 47.1848% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 3.6331% | 1,834 |
| Noncurrent loans to loans | 4.3801% | 1,637 |
| Net loans and leases to total assets | 61.4271% | 5,120 |
| Net loans and leases to deposits | 79.8864% | 4,018 |
| Net loans and leases to core deposits | 97.1630% | 4,332 |
| Total domestic deposits to total assets | 76.8930% | 6,510 |
| Equity capital to assets | 6.4871% | 7,564 |
| Core capital (leverage) ratio | 6.5858% | 7,453 |
| Tier 1 risk-based capital ratio | 9.8411% | 6,989 |
| Total risk-based capital ratio | 11.1001% | 6,965 |
| Memoranda: | ||
| Average total assets | $773,216,200 | 888 |
| Average earning assets | $715,247,800 | 875 |
| Average equity | $54,109,400 | 1,218 |
| Average total loans | $473,360,800 | 1,014 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 6,821 |
| Cost of funding earning assets | 2.4247% | 1,547 |
| Net interest margin | 2.5023% | 7,463 |
| Noninterest income to average assets | 0.1979% | 6,801 |
| Noninterest expense to average assets | 2.0258% | 7,336 |
| Loan and lease loss provision to assets | 1.4338% | 1,337 |
| Net operating income to assets | -0.5939% | 6,522 |
| Return on assets (ROA) | -0.4641% | 6,395 |
| Pretax return on assets | -0.7455% | 6,516 |
| Return on Equity (ROE) | -6.5132% | 6,608 |
| Retained earnings to average equity (ytd only) | -6.5132% | 6,447 |
| Net charge-offs to loans | 2.1947% | 879 |
| Credit loss provision to net charge-offs | 107.3782% | 4,736 |
| Earnings coverage of net charge-offs (x) | 0.3636% | 5,660 |
| Efficiency ratio | 80.6664% | 2,749 |
| Assets per employee ($millions) | 9.1069% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 2,565 |
| Loan loss allowance to noncurrent loans | 66.9331% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.5536% | 2,717 |
| Noncurrent loans to loans | 2.5652% | 2,939 |
| Net loans and leases to total assets | 60.6807% | 5,473 |
| Net loans and leases to deposits | 85.0234% | 3,495 |
| Net loans and leases to core deposits | 102.6152% | 4,090 |
| Total domestic deposits to total assets | 71.3693% | 7,294 |
| Equity capital to assets | 7.7016% | 7,147 |
| Core capital (leverage) ratio | 7.3413% | 7,147 |
| Tier 1 risk-based capital ratio | 11.3641% | 5,576 |
| Total risk-based capital ratio | 12.6185% | 5,511 |
| Memoranda: | ||
| Average total assets | $772,744,250 | 898 |
| Average earning assets | $714,415,000 | 887 |
| Average equity | $55,066,250 | 1,208 |
| Average total loans | $470,158,000 | 1,042 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 7,137 |
| Cost of funding earning assets | 2.5215% | 1,539 |
| Net interest margin | 2.3273% | 7,654 |
| Noninterest income to average assets | 0.2111% | 6,790 |
| Noninterest expense to average assets | 1.9550% | 7,548 |
| Loan and lease loss provision to assets | 1.9695% | 826 |
| Net operating income to assets | -1.0149% | 6,997 |
| Return on assets (ROA) | -0.9155% | 6,918 |
| Pretax return on assets | -1.4062% | 7,038 |
| Return on Equity (ROE) | -13.2028% | 7,235 |
| Retained earnings to average equity (ytd only) | -13.2028% | 7,128 |
| Net charge-offs to loans | 2.4099% | 737 |
| Credit loss provision to net charge-offs | 134.9840% | 3,451 |
| Earnings coverage of net charge-offs (x) | 0.2812% | 5,392 |
| Efficiency ratio | 82.6563% | 2,643 |
| Assets per employee ($millions) | 9.2481% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 1,515 |
| Loan loss allowance to noncurrent loans | 82.7319% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.1106% | 3,048 |
| Noncurrent loans to loans | 2.4540% | 2,944 |
| Net loans and leases to total assets | 56.9571% | 6,091 |
| Net loans and leases to deposits | 79.4237% | 4,636 |
| Net loans and leases to core deposits | 95.7252% | 4,932 |
| Total domestic deposits to total assets | 71.7130% | 7,276 |
| Equity capital to assets | 6.5394% | 7,808 |
| Core capital (leverage) ratio | 6.4775% | 7,803 |
| Tier 1 risk-based capital ratio | 10.8959% | 5,986 |
| Total risk-based capital ratio | 12.1552% | 5,916 |
| Memoranda: | ||
| Average total assets | $772,295,670 | 912 |
| Average earning assets | $714,824,670 | 896 |
| Average equity | $53,549,330 | 1,262 |
| Average total loans | $467,567,670 | 1,065 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 6,247 |
| Cost of funding earning assets | 2.5586% | 1,710 |
| Net interest margin | 2.6530% | 7,290 |
| Noninterest income to average assets | 0.1629% | 7,139 |
| Noninterest expense to average assets | 1.9257% | 7,499 |
| Loan and lease loss provision to assets | 1.1364% | 1,146 |
| Net operating income to assets | -0.2557% | 6,627 |
| Return on assets (ROA) | -0.1512% | 6,586 |
| Pretax return on assets | -0.2693% | 6,641 |
| Return on Equity (ROE) | -2.1149% | 6,676 |
| Retained earnings to average equity (ytd only) | -2.1149% | 6,127 |
| Net charge-offs to loans | 0.9587% | 1,394 |
| Credit loss provision to net charge-offs | 191.6517% | 2,300 |
| Earnings coverage of net charge-offs (x) | 1.1867% | 4,156 |
| Efficiency ratio | 73.2389% | 3,963 |
| Assets per employee ($millions) | 9.4088% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 1,736 |
| Loan loss allowance to noncurrent loans | 51.2675% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.6371% | 2,176 |
| Noncurrent loans to loans | 3.6127% | 1,743 |
| Net loans and leases to total assets | 58.0380% | 5,933 |
| Net loans and leases to deposits | 82.1451% | 4,258 |
| Net loans and leases to core deposits | 99.0011% | 4,641 |
| Total domestic deposits to total assets | 70.6530% | 7,370 |
| Equity capital to assets | 6.8832% | 7,729 |
| Core capital (leverage) ratio | 6.9017% | 7,694 |
| Tier 1 risk-based capital ratio | 11.1285% | 5,787 |
| Total risk-based capital ratio | 12.3858% | 5,694 |
| Memoranda: | ||
| Average total assets | $751,528,500 | 931 |
| Average earning assets | $698,676,500 | 914 |
| Average equity | $53,714,000 | 1,258 |
| Average total loans | $464,781,500 | 1,080 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1128% | 4,974 |
| Cost of funding earning assets | 3.4279% | 658 |
| Net interest margin | 2.6849% | 7,525 |
| Noninterest income to average assets | 0.2114% | 6,926 |
| Noninterest expense to average assets | 2.2260% | 6,906 |
| Loan and lease loss provision to assets | 0.7644% | 1,953 |
| Net operating income to assets | -0.1528% | 6,561 |
| Return on assets (ROA) | -0.5814% | 6,874 |
| Pretax return on assets | -0.9473% | 6,970 |
| Return on Equity (ROE) | -6.8002% | 7,028 |
| Retained earnings to average equity (ytd only) | -7.5611% | 6,843 |
| Net charge-offs to loans | 0.2746% | 3,572 |
| Credit loss provision to net charge-offs | 393.0076% | 1,123 |
| Earnings coverage of net charge-offs (x) | 2.5029% | 4,822 |
| Efficiency ratio | 82.0548% | 2,295 |
| Assets per employee ($millions) | 8.5869% | 389 |
| Cash dividends to net income (ytd only)* | -11.1894% | 7,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 2,058 |
| Loan loss allowance to noncurrent loans | 66.5012% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 2,644 |
| Noncurrent loans to loans | 2.4839% | 2,199 |
| Net loans and leases to total assets | 63.7806% | 5,317 |
| Net loans and leases to deposits | 79.0089% | 5,195 |
| Net loans and leases to core deposits | 94.2089% | 5,433 |
| Total domestic deposits to total assets | 80.7258% | 4,757 |
| Equity capital to assets | 7.4402% | 7,438 |
| Core capital (leverage) ratio | 7.4868% | 7,221 |
| Tier 1 risk-based capital ratio | 10.7643% | 5,942 |
| Total risk-based capital ratio | 12.0185% | 5,849 |
| Memoranda: | ||
| Average total assets | $610,275,600 | 1,109 |
| Average earning assets | $568,596,600 | 1,087 |
| Average equity | $52,174,800 | 1,291 |
| Average total loans | $432,303,200 | 1,109 |