Home > Wolverine Bank, Federal Savings Bank > Performance and Condition Ratios
Wolverine Bank, Federal Savings Bank, Performance and Condition Ratios
| 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 | 4.8492% | 837 |
| Cost of funding earning assets | 1.0142% | 183 |
| Net interest margin | 3.8350% | 2,265 |
| Noninterest income to average assets | 0.1698% | 5,171 |
| Noninterest expense to average assets | 2.0357% | 4,882 |
| Loan and lease loss provision to assets | -0.9580% | 5,730 |
| Net operating income to assets | 1.8589% | 420 |
| Return on assets (ROA) | 1.8589% | 429 |
| Pretax return on assets | 2.7998% | 140 |
| Return on Equity (ROE) | 11.8181% | 1,391 |
| Retained earnings to average equity (ytd only) | 5.4068% | 2,599 |
| Net charge-offs to loans | -0.3265% | 5,614 |
| Credit loss provision to net charge-offs | 359.8485% | 843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5011% | 5,059 |
| Assets per employee ($millions) | 7.7091% | 700 |
| Cash dividends to net income (ytd only)* | 54.2495% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2917% | 348 |
| Loan loss allowance to noncurrent loans | 178.7506% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1275% | 1,466 |
| Noncurrent loans to loans | 1.2821% | 1,492 |
| Net loans and leases to total assets | 80.3926% | 925 |
| Net loans and leases to deposits | 113.8805% | 186 |
| Net loans and leases to core deposits | 131.3342% | 320 |
| Total domestic deposits to total assets | 70.5939% | 5,457 |
| Equity capital to assets | 16.6179% | 473 |
| Core capital (leverage) ratio | 17.4339% | 348 |
| Tier 1 risk-based capital ratio | 21.6306% | 1,099 |
| Total risk-based capital ratio | 22.8952% | 1,075 |
| Memoranda: | ||
| Average total assets | $396,637,500 | 1,728 |
| Average earning assets | $383,477,250 | 1,666 |
| Average equity | $62,388,500 | 1,273 |
| Average total loans | $323,429,250 | 1,477 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 1,838 |
| Cost of funding earning assets | 0.9933% | 183 |
| Net interest margin | 3.3992% | 3,772 |
| Noninterest income to average assets | 0.1770% | 5,169 |
| Noninterest expense to average assets | 1.9013% | 5,182 |
| Loan and lease loss provision to assets | -0.3000% | 5,731 |
| Net operating income to assets | 1.2644% | 1,392 |
| Return on assets (ROA) | 1.2644% | 1,421 |
| Pretax return on assets | 1.8758% | 695 |
| Return on Equity (ROE) | 8.0906% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.0906% | 1,121 |
| Net charge-offs to loans | -0.0074% | 4,438 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6801% | 4,952 |
| Assets per employee ($millions) | 7.4270% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7160% | 216 |
| Loan loss allowance to noncurrent loans | 195.6123% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2077% | 1,409 |
| Noncurrent loans to loans | 1.3885% | 1,390 |
| Net loans and leases to total assets | 81.0408% | 808 |
| Net loans and leases to deposits | 117.8077% | 121 |
| Net loans and leases to core deposits | 139.1062% | 191 |
| Total domestic deposits to total assets | 68.7908% | 5,578 |
| Equity capital to assets | 16.5408% | 465 |
| Core capital (leverage) ratio | 17.5533% | 327 |
| Tier 1 risk-based capital ratio | 21.0273% | 1,174 |
| Total risk-based capital ratio | 22.2997% | 1,149 |
| Memoranda: | ||
| Average total assets | $400,045,330 | 1,724 |
| Average earning assets | $388,384,000 | 1,649 |
| Average equity | $62,517,330 | 1,274 |
| Average total loans | $325,523,330 | 1,476 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,217 |
| Cost of funding earning assets | 1.0006% | 164 |
| Net interest margin | 3.2172% | 4,285 |
| Noninterest income to average assets | 0.1092% | 5,563 |
| Noninterest expense to average assets | 1.6687% | 5,501 |
| Loan and lease loss provision to assets | -0.2950% | 5,817 |
| Net operating income to assets | 1.2292% | 1,433 |
| Return on assets (ROA) | 1.2292% | 1,472 |
| Pretax return on assets | 1.8654% | 695 |
| Return on Equity (ROE) | 8.1045% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.1045% | 1,414 |
| Net charge-offs to loans | -0.0098% | 4,410 |
| Credit loss provision to net charge-offs | 3,750.0000% | 82 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5179% | 5,288 |
| Assets per employee ($millions) | 7.2967% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7824% | 228 |
| Loan loss allowance to noncurrent loans | 181.9537% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.3107% | 1,296 |
| Noncurrent loans to loans | 1.5292% | 1,291 |
| Net loans and leases to total assets | 83.1897% | 446 |
| Net loans and leases to deposits | 115.5514% | 128 |
| Net loans and leases to core deposits | 142.3021% | 153 |
| Total domestic deposits to total assets | 71.9937% | 5,541 |
| Equity capital to assets | 16.4350% | 438 |
| Core capital (leverage) ratio | 16.5486% | 401 |
| Tier 1 risk-based capital ratio | 21.3431% | 1,166 |
| Total risk-based capital ratio | 22.6177% | 1,142 |
| Memoranda: | ||
| Average total assets | $406,776,500 | 1,705 |
| Average earning assets | $395,748,500 | 1,637 |
| Average equity | $61,694,500 | 1,283 |
| Average total loans | $327,425,000 | 1,473 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 1,720 |
| Cost of funding earning assets | 1.0147% | 157 |
| Net interest margin | 3.4227% | 3,738 |
| Noninterest income to average assets | 0.2009% | 5,214 |
| Noninterest expense to average assets | 1.8556% | 5,418 |
| Loan and lease loss provision to assets | -0.1913% | 5,778 |
| Net operating income to assets | 1.1770% | 1,581 |
| Return on assets (ROA) | 1.1770% | 1,681 |
| Pretax return on assets | 1.8325% | 736 |
| Return on Equity (ROE) | 7.5654% | 3,187 |
| Retained earnings to average equity (ytd only) | 0.2848% | 5,206 |
| Net charge-offs to loans | 0.0033% | 4,146 |
| Credit loss provision to net charge-offs | -6,909.0909% | 5,473 |
| Earnings coverage of net charge-offs (x) | 592.7273% | 139 |
| Efficiency ratio | 53.0665% | 5,310 |
| Assets per employee ($millions) | 8.3484% | 526 |
| Cash dividends to net income (ytd only)* | 96.2361% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8124% | 219 |
| Loan loss allowance to noncurrent loans | 153.0478% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4181% | 1,204 |
| Noncurrent loans to loans | 1.8376% | 1,028 |
| Net loans and leases to total assets | 73.9503% | 1,857 |
| Net loans and leases to deposits | 112.6840% | 174 |
| Net loans and leases to core deposits | 138.2743% | 191 |
| Total domestic deposits to total assets | 65.6262% | 5,763 |
| Equity capital to assets | 14.0654% | 868 |
| Core capital (leverage) ratio | 16.2518% | 434 |
| Tier 1 risk-based capital ratio | 20.7456% | 1,256 |
| Total risk-based capital ratio | 22.0215% | 1,223 |
| Memoranda: | ||
| Average total assets | $397,282,200 | 1,695 |
| Average earning assets | $382,566,600 | 1,629 |
| Average equity | $61,807,800 | 1,265 |
| Average total loans | $331,607,000 | 1,408 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 1,277 |
| Cost of funding earning assets | 1.0422% | 136 |
| Net interest margin | 3.5656% | 3,210 |
| Noninterest income to average assets | 0.2085% | 5,220 |
| Noninterest expense to average assets | 1.9006% | 5,373 |
| Loan and lease loss provision to assets | -0.2611% | 5,892 |
| Net operating income to assets | 1.2808% | 1,349 |
| Return on assets (ROA) | 1.2808% | 1,454 |
| Pretax return on assets | 1.9896% | 583 |
| Return on Equity (ROE) | 8.0177% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.0177% | 1,166 |
| Net charge-offs to loans | -0.0076% | 4,702 |
| Credit loss provision to net charge-offs | 4,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3715% | 5,363 |
| Assets per employee ($millions) | 7.4041% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8662% | 222 |
| Loan loss allowance to noncurrent loans | 135.5439% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.8814% | 861 |
| Noncurrent loans to loans | 2.1146% | 904 |
| Net loans and leases to total assets | 85.3161% | 300 |
| Net loans and leases to deposits | 122.8351% | 86 |
| Net loans and leases to core deposits | 163.5296% | 78 |
| Total domestic deposits to total assets | 69.4557% | 5,726 |
| Equity capital to assets | 17.3430% | 403 |
| Core capital (leverage) ratio | 17.0222% | 365 |
| Tier 1 risk-based capital ratio | 22.5008% | 1,063 |
| Total risk-based capital ratio | 23.7774% | 1,045 |
| Memoranda: | ||
| Average total assets | $388,073,750 | 1,731 |
| Average earning assets | $372,294,000 | 1,673 |
| Average equity | $61,994,750 | 1,269 |
| Average total loans | $331,928,750 | 1,407 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 1,752 |
| Cost of funding earning assets | 1.0297% | 144 |
| Net interest margin | 3.3975% | 3,905 |
| Noninterest income to average assets | 0.1909% | 5,355 |
| Noninterest expense to average assets | 1.7904% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0726% | 2,078 |
| Return on assets (ROA) | 1.0726% | 2,198 |
| Pretax return on assets | 1.6498% | 1,219 |
| Return on Equity (ROE) | 6.9036% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.9036% | 1,655 |
| Net charge-offs to loans | 0.0186% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 104.8387% | 549 |
| Efficiency ratio | 52.0437% | 5,439 |
| Assets per employee ($millions) | 7.7215% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9280% | 213 |
| Loan loss allowance to noncurrent loans | 126.1986% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.1541% | 728 |
| Noncurrent loans to loans | 2.3202% | 781 |
| Net loans and leases to total assets | 87.8777% | 143 |
| Net loans and leases to deposits | 124.2891% | 74 |
| Net loans and leases to core deposits | 165.3005% | 76 |
| Total domestic deposits to total assets | 70.7043% | 5,747 |
| Equity capital to assets | 16.5026% | 485 |
| Core capital (leverage) ratio | 15.9285% | 471 |
| Tier 1 risk-based capital ratio | 19.7153% | 1,518 |
| Total risk-based capital ratio | 20.9921% | 1,472 |
| Memoranda: | ||
| Average total assets | $393,985,330 | 1,715 |
| Average earning assets | $376,806,000 | 1,654 |
| Average equity | $61,214,000 | 1,281 |
| Average total loans | $334,183,000 | 1,397 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,097 |
| Cost of funding earning assets | 1.0128% | 154 |
| Net interest margin | 3.2971% | 4,233 |
| Noninterest income to average assets | 0.1832% | 5,404 |
| Noninterest expense to average assets | 1.7431% | 5,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0035% | 2,260 |
| Return on assets (ROA) | 1.0035% | 2,378 |
| Pretax return on assets | 1.5739% | 1,363 |
| Return on Equity (ROE) | 6.6532% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.6532% | 2,059 |
| Net charge-offs to loans | 0.0436% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 43.9167% | 957 |
| Efficiency ratio | 52.5510% | 5,482 |
| Assets per employee ($millions) | 7.1451% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9942% | 224 |
| Loan loss allowance to noncurrent loans | 133.8318% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 871 |
| Noncurrent loans to loans | 2.2373% | 909 |
| Net loans and leases to total assets | 84.1687% | 355 |
| Net loans and leases to deposits | 117.3990% | 116 |
| Net loans and leases to core deposits | 164.2907% | 71 |
| Total domestic deposits to total assets | 71.6946% | 5,796 |
| Equity capital to assets | 15.8572% | 549 |
| Core capital (leverage) ratio | 15.3770% | 548 |
| Tier 1 risk-based capital ratio | 20.2379% | 1,451 |
| Total risk-based capital ratio | 21.5170% | 1,420 |
| Memoranda: | ||
| Average total assets | $401,802,000 | 1,680 |
| Average earning assets | $381,915,500 | 1,640 |
| Average equity | $60,602,000 | 1,288 |
| Average total loans | $330,016,500 | 1,403 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,375 |
| Cost of funding earning assets | 0.9999% | 177 |
| Net interest margin | 3.5855% | 3,191 |
| Noninterest income to average assets | 0.2889% | 4,822 |
| Noninterest expense to average assets | 2.0703% | 5,313 |
| Loan and lease loss provision to assets | 0.2212% | 927 |
| Net operating income to assets | 0.9186% | 2,766 |
| Return on assets (ROA) | 0.9186% | 2,854 |
| Pretax return on assets | 1.4173% | 1,831 |
| Return on Equity (ROE) | 5.4820% | 4,293 |
| Retained earnings to average equity (ytd only) | -1.9417% | 5,746 |
| Net charge-offs to loans | -0.4133% | 6,063 |
| Credit loss provision to net charge-offs | -62.2568% | 5,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8214% | 5,362 |
| Assets per employee ($millions) | 7.7364% | 628 |
| Cash dividends to net income (ytd only)* | 135.4198% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0933% | 201 |
| Loan loss allowance to noncurrent loans | 154.0735% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 1,241 |
| Noncurrent loans to loans | 2.0077% | 1,037 |
| Net loans and leases to total assets | 75.4473% | 1,505 |
| Net loans and leases to deposits | 110.5634% | 229 |
| Net loans and leases to core deposits | 153.1744% | 97 |
| Total domestic deposits to total assets | 68.2389% | 5,965 |
| Equity capital to assets | 14.3681% | 808 |
| Core capital (leverage) ratio | 16.1358% | 453 |
| Tier 1 risk-based capital ratio | 19.4533% | 1,596 |
| Total risk-based capital ratio | 20.7347% | 1,555 |
| Memoranda: | ||
| Average total assets | $361,732,400 | 1,808 |
| Average earning assets | $345,029,600 | 1,762 |
| Average equity | $60,616,200 | 1,249 |
| Average total loans | $310,947,800 | 1,424 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 1,185 |
| Cost of funding earning assets | 1.0313% | 154 |
| Net interest margin | 3.6286% | 3,037 |
| Noninterest income to average assets | 0.3087% | 4,729 |
| Noninterest expense to average assets | 2.0805% | 5,319 |
| Loan and lease loss provision to assets | 0.2492% | 685 |
| Net operating income to assets | 0.9479% | 2,722 |
| Return on assets (ROA) | 0.9479% | 2,822 |
| Pretax return on assets | 1.4624% | 1,791 |
| Return on Equity (ROE) | 5.4241% | 4,438 |
| Retained earnings to average equity (ytd only) | 2.1328% | 4,817 |
| Net charge-offs to loans | -0.3713% | 6,117 |
| Credit loss provision to net charge-offs | -75.9346% | 5,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8635% | 5,453 |
| Assets per employee ($millions) | 6.3620% | 1,144 |
| Cash dividends to net income (ytd only)* | 60.6796% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9836% | 244 |
| Loan loss allowance to noncurrent loans | 137.4004% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 2.0844% | 953 |
| Noncurrent loans to loans | 2.1714% | 1,023 |
| Net loans and leases to total assets | 89.7473% | 71 |
| Net loans and leases to deposits | 132.4514% | 36 |
| Net loans and leases to core deposits | 168.4654% | 63 |
| Total domestic deposits to total assets | 67.7587% | 6,046 |
| Equity capital to assets | 18.0163% | 341 |
| Core capital (leverage) ratio | 17.1022% | 373 |
| Tier 1 risk-based capital ratio | 20.9388% | 1,353 |
| Total risk-based capital ratio | 22.2197% | 1,319 |
| Memoranda: | ||
| Average total assets | $347,724,000 | 1,896 |
| Average earning assets | $333,823,750 | 1,833 |
| Average equity | $60,764,000 | 1,256 |
| Average total loans | $307,371,250 | 1,446 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 1,566 |
| Cost of funding earning assets | 1.0313% | 148 |
| Net interest margin | 3.4602% | 3,662 |
| Noninterest income to average assets | 0.2652% | 5,055 |
| Noninterest expense to average assets | 1.9724% | 5,580 |
| Loan and lease loss provision to assets | 0.2864% | 560 |
| Net operating income to assets | 0.8628% | 3,069 |
| Return on assets (ROA) | 0.8628% | 3,169 |
| Pretax return on assets | 1.3297% | 2,247 |
| Return on Equity (ROE) | 4.9876% | 4,623 |
| Retained earnings to average equity (ytd only) | 0.0199% | 5,496 |
| Net charge-offs to loans | -0.4600% | 6,195 |
| Credit loss provision to net charge-offs | -71.5308% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9649% | 5,511 |
| Assets per employee ($millions) | 6.6258% | 995 |
| Cash dividends to net income (ytd only)* | 99.6016% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9551% | 280 |
| Loan loss allowance to noncurrent loans | 125.4444% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 2.1370% | 995 |
| Noncurrent loans to loans | 2.3557% | 992 |
| Net loans and leases to total assets | 84.2110% | 356 |
| Net loans and leases to deposits | 126.0642% | 61 |
| Net loans and leases to core deposits | 152.1691% | 98 |
| Total domestic deposits to total assets | 66.8001% | 6,149 |
| Equity capital to assets | 16.9886% | 421 |
| Core capital (leverage) ratio | 16.6103% | 400 |
| Tier 1 risk-based capital ratio | 21.4423% | 1,292 |
| Total risk-based capital ratio | 22.7229% | 1,270 |
| Memoranda: | ||
| Average total assets | $349,113,000 | 1,899 |
| Average earning assets | $335,295,330 | 1,841 |
| Average equity | $60,390,330 | 1,270 |
| Average total loans | $303,892,000 | 1,465 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 1,415 |
| Cost of funding earning assets | 1.0275% | 156 |
| Net interest margin | 3.4893% | 3,480 |
| Noninterest income to average assets | 0.2773% | 4,957 |
| Noninterest expense to average assets | 1.9651% | 5,635 |
| Loan and lease loss provision to assets | 0.2030% | 904 |
| Net operating income to assets | 0.9698% | 2,393 |
| Return on assets (ROA) | 0.9698% | 2,529 |
| Pretax return on assets | 1.4617% | 1,692 |
| Return on Equity (ROE) | 5.5519% | 4,257 |
| Retained earnings to average equity (ytd only) | -4.4097% | 5,890 |
| Net charge-offs to loans | -0.0120% | 4,802 |
| Credit loss provision to net charge-offs | -1,944.4444% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1387% | 5,669 |
| Assets per employee ($millions) | 6.4180% | 1,127 |
| Cash dividends to net income (ytd only)* | 179.4258% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7551% | 382 |
| Loan loss allowance to noncurrent loans | 100.0490% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 2.3839% | 916 |
| Noncurrent loans to loans | 2.7538% | 845 |
| Net loans and leases to total assets | 81.5940% | 505 |
| Net loans and leases to deposits | 124.0170% | 58 |
| Net loans and leases to core deposits | 150.7564% | 100 |
| Total domestic deposits to total assets | 65.7926% | 6,246 |
| Equity capital to assets | 16.9895% | 428 |
| Core capital (leverage) ratio | 16.7267% | 390 |
| Tier 1 risk-based capital ratio | 21.9676% | 1,251 |
| Total risk-based capital ratio | 23.2443% | 1,228 |
| Memoranda: | ||
| Average total assets | $344,811,000 | 1,927 |
| Average earning assets | $331,298,500 | 1,857 |
| Average equity | $60,231,500 | 1,275 |
| Average total loans | $300,600,000 | 1,478 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 1,299 |
| Cost of funding earning assets | 1.0141% | 218 |
| Net interest margin | 3.6900% | 3,043 |
| Noninterest income to average assets | 0.5112% | 3,418 |
| Noninterest expense to average assets | 2.2969% | 5,120 |
| Loan and lease loss provision to assets | 0.3139% | 645 |
| Net operating income to assets | 0.8907% | 2,923 |
| Return on assets (ROA) | 0.8907% | 3,005 |
| Pretax return on assets | 1.4204% | 1,813 |
| Return on Equity (ROE) | 4.9027% | 4,713 |
| Retained earnings to average equity (ytd only) | -0.1796% | 5,798 |
| Net charge-offs to loans | 0.2195% | 1,909 |
| Credit loss provision to net charge-offs | 159.3750% | 1,517 |
| Earnings coverage of net charge-offs (x) | 8.8047% | 2,829 |
| Efficiency ratio | 56.9782% | 5,572 |
| Assets per employee ($millions) | 5.2599% | 2,003 |
| Cash dividends to net income (ytd only)* | 103.6628% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6146% | 475 |
| Loan loss allowance to noncurrent loans | 90.0418% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.7306% | 803 |
| Noncurrent loans to loans | 2.9037% | 786 |
| Net loans and leases to total assets | 88.2406% | 108 |
| Net loans and leases to deposits | 131.7631% | 38 |
| Net loans and leases to core deposits | 160.7298% | 81 |
| Total domestic deposits to total assets | 66.9692% | 6,302 |
| Equity capital to assets | 17.9697% | 318 |
| Core capital (leverage) ratio | 17.5462% | 321 |
| Tier 1 risk-based capital ratio | 21.4309% | 1,321 |
| Total risk-based capital ratio | 22.6931% | 1,293 |
| Memoranda: | ||
| Average total assets | $324,916,600 | 1,998 |
| Average earning assets | $309,943,600 | 1,936 |
| Average equity | $59,028,600 | 1,239 |
| Average total loans | $291,521,800 | 1,468 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 1,246 |
| Cost of funding earning assets | 1.0166% | 230 |
| Net interest margin | 3.7097% | 2,989 |
| Noninterest income to average assets | 0.2952% | 5,089 |
| Noninterest expense to average assets | 2.3512% | 4,962 |
| Loan and lease loss provision to assets | 0.3292% | 562 |
| Net operating income to assets | 0.6965% | 3,956 |
| Return on assets (ROA) | 0.6965% | 4,050 |
| Pretax return on assets | 1.1478% | 2,998 |
| Return on Equity (ROE) | 3.8229% | 5,241 |
| Retained earnings to average equity (ytd only) | -2.9956% | 6,144 |
| Net charge-offs to loans | -0.0458% | 5,871 |
| Credit loss provision to net charge-offs | -803.0303% | 5,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4170% | 4,979 |
| Assets per employee ($millions) | 5.2929% | 1,908 |
| Cash dividends to net income (ytd only)* | 178.3591% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7929% | 440 |
| Loan loss allowance to noncurrent loans | 203.6220% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3703% | 2,255 |
| Noncurrent loans to loans | 1.3716% | 2,364 |
| Net loans and leases to total assets | 87.2214% | 141 |
| Net loans and leases to deposits | 131.8754% | 36 |
| Net loans and leases to core deposits | 157.9707% | 81 |
| Total domestic deposits to total assets | 66.1392% | 6,401 |
| Equity capital to assets | 17.4113% | 387 |
| Core capital (leverage) ratio | 16.9287% | 381 |
| Tier 1 risk-based capital ratio | 20.5969% | 1,531 |
| Total risk-based capital ratio | 21.8693% | 1,489 |
| Memoranda: | ||
| Average total assets | $321,987,250 | 2,030 |
| Average earning assets | $306,648,000 | 1,966 |
| Average equity | $58,662,750 | 1,254 |
| Average total loans | $288,146,500 | 1,494 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 1,312 |
| Cost of funding earning assets | 1.0092% | 247 |
| Net interest margin | 3.6756% | 3,047 |
| Noninterest income to average assets | 0.2920% | 5,084 |
| Noninterest expense to average assets | 2.5221% | 4,504 |
| Loan and lease loss provision to assets | 0.3129% | 615 |
| Net operating income to assets | 0.5765% | 4,475 |
| Return on assets (ROA) | 0.5765% | 4,579 |
| Pretax return on assets | 0.9608% | 3,642 |
| Return on Equity (ROE) | 3.1149% | 5,486 |
| Retained earnings to average equity (ytd only) | -7.1315% | 6,345 |
| Net charge-offs to loans | -0.0120% | 5,372 |
| Credit loss provision to net charge-offs | -2,911.7647% | 5,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4446% | 4,295 |
| Assets per employee ($millions) | 5.2788% | 1,893 |
| Cash dividends to net income (ytd only)* | 328.9474% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7307% | 510 |
| Loan loss allowance to noncurrent loans | 173.3961% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5626% | 2,087 |
| Noncurrent loans to loans | 1.5748% | 2,203 |
| Net loans and leases to total assets | 85.4867% | 214 |
| Net loans and leases to deposits | 127.7039% | 46 |
| Net loans and leases to core deposits | 150.6738% | 97 |
| Total domestic deposits to total assets | 66.9414% | 6,457 |
| Equity capital to assets | 17.2024% | 391 |
| Core capital (leverage) ratio | 16.7173% | 389 |
| Tier 1 risk-based capital ratio | 21.3940% | 1,364 |
| Total risk-based capital ratio | 22.6666% | 1,335 |
| Memoranda: | ||
| Average total assets | $316,401,000 | 2,066 |
| Average earning assets | $301,610,330 | 1,999 |
| Average equity | $58,557,000 | 1,249 |
| Average total loans | $282,879,330 | 1,508 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 1,236 |
| Cost of funding earning assets | 0.9910% | 285 |
| Net interest margin | 3.7192% | 2,792 |
| Noninterest income to average assets | 0.1910% | 5,815 |
| Noninterest expense to average assets | 2.5072% | 4,598 |
| Loan and lease loss provision to assets | 0.3926% | 430 |
| Net operating income to assets | 0.4986% | 4,701 |
| Return on assets (ROA) | 0.4986% | 4,783 |
| Pretax return on assets | 0.8270% | 3,991 |
| Return on Equity (ROE) | 2.5929% | 5,593 |
| Retained earnings to average equity (ytd only) | -17.8233% | 6,505 |
| Net charge-offs to loans | -0.0319% | 5,589 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2753% | 4,320 |
| Assets per employee ($millions) | 4.7545% | 2,590 |
| Cash dividends to net income (ytd only)* | 787.4016% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7724% | 563 |
| Loan loss allowance to noncurrent loans | 162.4872% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8439% | 1,886 |
| Noncurrent loans to loans | 1.7062% | 2,276 |
| Net loans and leases to total assets | 88.4925% | 72 |
| Net loans and leases to deposits | 136.6856% | 30 |
| Net loans and leases to core deposits | 163.9943% | 64 |
| Total domestic deposits to total assets | 64.7416% | 6,576 |
| Equity capital to assets | 18.3269% | 303 |
| Core capital (leverage) ratio | 17.8107% | 313 |
| Tier 1 risk-based capital ratio | 22.7018% | 1,181 |
| Total risk-based capital ratio | 23.9764% | 1,160 |
| Memoranda: | ||
| Average total assets | $305,680,500 | 2,145 |
| Average earning assets | $290,604,000 | 2,078 |
| Average equity | $58,777,000 | 1,241 |
| Average total loans | $275,860,000 | 1,552 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 1,119 |
| Cost of funding earning assets | 1.1612% | 212 |
| Net interest margin | 3.7238% | 2,958 |
| Noninterest income to average assets | 0.6478% | 2,819 |
| Noninterest expense to average assets | 2.9047% | 3,360 |
| Loan and lease loss provision to assets | 0.2860% | 1,207 |
| Net operating income to assets | 0.6395% | 4,078 |
| Return on assets (ROA) | 0.6395% | 4,180 |
| Pretax return on assets | 0.9810% | 3,429 |
| Return on Equity (ROE) | 3.1525% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.1525% | 3,993 |
| Net charge-offs to loans | -0.0366% | 6,267 |
| Credit loss provision to net charge-offs | -882.9787% | 6,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6291% | 3,899 |
| Assets per employee ($millions) | 3.8645% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8540% | 553 |
| Loan loss allowance to noncurrent loans | 114.0562% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 2.5309% | 1,347 |
| Noncurrent loans to loans | 2.5023% | 1,512 |
| Net loans and leases to total assets | 86.8789% | 122 |
| Net loans and leases to deposits | 148.7186% | 17 |
| Net loans and leases to core deposits | 182.9545% | 47 |
| Total domestic deposits to total assets | 58.4183% | 6,720 |
| Equity capital to assets | 20.1787% | 203 |
| Core capital (leverage) ratio | 19.6671% | 212 |
| Tier 1 risk-based capital ratio | 24.7098% | 885 |
| Total risk-based capital ratio | 25.9841% | 869 |
| Memoranda: | ||
| Average total assets | $290,216,600 | 2,207 |
| Average earning assets | $274,639,000 | 2,146 |
| Average equity | $58,873,800 | 1,221 |
| Average total loans | $256,928,800 | 1,619 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 1,113 |
| Cost of funding earning assets | 1.1730% | 226 |
| Net interest margin | 3.7319% | 2,914 |
| Noninterest income to average assets | 0.7925% | 2,185 |
| Noninterest expense to average assets | 2.8674% | 3,418 |
| Loan and lease loss provision to assets | 0.3653% | 866 |
| Net operating income to assets | 0.7083% | 3,811 |
| Return on assets (ROA) | 0.7083% | 3,948 |
| Pretax return on assets | 1.0916% | 3,147 |
| Return on Equity (ROE) | 3.4868% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.4868% | 4,209 |
| Net charge-offs to loans | -0.0026% | 5,708 |
| Credit loss provision to net charge-offs | -15,800.0000% | 6,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3103% | 4,432 |
| Assets per employee ($millions) | 3.5174% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0367% | 530 |
| Loan loss allowance to noncurrent loans | 95.3147% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 2.9574% | 1,254 |
| Noncurrent loans to loans | 3.1860% | 1,235 |
| Net loans and leases to total assets | 81.6549% | 390 |
| Net loans and leases to deposits | 141.9734% | 19 |
| Net loans and leases to core deposits | 161.2425% | 72 |
| Total domestic deposits to total assets | 57.5142% | 6,803 |
| Equity capital to assets | 20.3544% | 197 |
| Core capital (leverage) ratio | 20.3519% | 194 |
| Tier 1 risk-based capital ratio | 26.3464% | 759 |
| Total risk-based capital ratio | 27.5844% | 743 |
| Memoranda: | ||
| Average total assets | $288,379,250 | 2,228 |
| Average earning assets | $272,919,000 | 2,163 |
| Average equity | $58,581,000 | 1,234 |
| Average total loans | $254,631,750 | 1,634 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9736% | 949 |
| Cost of funding earning assets | 1.1790% | 231 |
| Net interest margin | 3.7946% | 2,574 |
| Noninterest income to average assets | 0.8844% | 1,876 |
| Noninterest expense to average assets | 2.8553% | 3,489 |
| Loan and lease loss provision to assets | 0.4701% | 603 |
| Net operating income to assets | 0.7556% | 3,533 |
| Return on assets (ROA) | 0.7556% | 3,684 |
| Pretax return on assets | 1.1519% | 2,877 |
| Return on Equity (ROE) | 3.7221% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.7221% | 3,936 |
| Net charge-offs to loans | -0.0295% | 6,096 |
| Credit loss provision to net charge-offs | -1,776.3158% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7735% | 4,902 |
| Assets per employee ($millions) | 3.9340% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9364% | 627 |
| Loan loss allowance to noncurrent loans | 89.2866% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.9841% | 1,365 |
| Noncurrent loans to loans | 3.2888% | 1,330 |
| Net loans and leases to total assets | 84.9898% | 189 |
| Net loans and leases to deposits | 150.0480% | 18 |
| Net loans and leases to core deposits | 168.6768% | 61 |
| Total domestic deposits to total assets | 56.6417% | 6,855 |
| Equity capital to assets | 20.5074% | 184 |
| Core capital (leverage) ratio | 20.5074% | 171 |
| Tier 1 risk-based capital ratio | 25.9469% | 779 |
| Total risk-based capital ratio | 27.2215% | 762 |
| Memoranda: | ||
| Average total assets | $287,190,000 | 2,241 |
| Average earning assets | $271,915,000 | 2,179 |
| Average equity | $58,300,000 | 1,241 |
| Average total loans | $257,557,330 | 1,612 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 980 |
| Cost of funding earning assets | 1.1836% | 246 |
| Net interest margin | 3.7639% | 2,597 |
| Noninterest income to average assets | 0.9708% | 1,555 |
| Noninterest expense to average assets | 2.7730% | 3,793 |
| Loan and lease loss provision to assets | 0.4178% | 727 |
| Net operating income to assets | 0.8914% | 2,690 |
| Return on assets (ROA) | 0.8914% | 2,838 |
| Pretax return on assets | 1.3496% | 2,045 |
| Return on Equity (ROE) | 4.4136% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.4136% | 3,586 |
| Net charge-offs to loans | 0.0107% | 3,930 |
| Credit loss provision to net charge-offs | 4,285.7143% | 70 |
| Earnings coverage of net charge-offs (x) | 181.2857% | 226 |
| Efficiency ratio | 61.0736% | 5,435 |
| Assets per employee ($millions) | 3.9713% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6829% | 935 |
| Loan loss allowance to noncurrent loans | 94.9680% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 2.6916% | 1,686 |
| Noncurrent loans to loans | 2.8251% | 1,795 |
| Net loans and leases to total assets | 87.1331% | 89 |
| Net loans and leases to deposits | 150.8486% | 21 |
| Net loans and leases to core deposits | 171.1729% | 56 |
| Total domestic deposits to total assets | 57.7620% | 6,929 |
| Equity capital to assets | 20.1320% | 212 |
| Core capital (leverage) ratio | 20.1320% | 188 |
| Tier 1 risk-based capital ratio | 24.4588% | 960 |
| Total risk-based capital ratio | 25.6942% | 944 |
| Memoranda: | ||
| Average total assets | $287,193,000 | 2,269 |
| Average earning assets | $272,380,500 | 2,201 |
| Average equity | $58,003,000 | 1,254 |
| Average total loans | $260,605,500 | 1,609 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2329% | 1,059 |
| Cost of funding earning assets | 1.3801% | 267 |
| Net interest margin | 3.8528% | 3,011 |
| Noninterest income to average assets | 0.9733% | 1,622 |
| Noninterest expense to average assets | 2.8011% | 4,018 |
| Loan and lease loss provision to assets | 0.7646% | 652 |
| Net operating income to assets | 0.6810% | 3,830 |
| Return on assets (ROA) | 0.6810% | 4,097 |
| Pretax return on assets | 1.0281% | 3,446 |
| Return on Equity (ROE) | 3.5809% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.5809% | 3,688 |
| Net charge-offs to loans | 0.4825% | 2,309 |
| Credit loss provision to net charge-offs | 180.1471% | 1,459 |
| Earnings coverage of net charge-offs (x) | 4.2239% | 3,436 |
| Efficiency ratio | 60.9752% | 5,388 |
| Assets per employee ($millions) | 3.5560% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5497% | 1,074 |
| Loan loss allowance to noncurrent loans | 81.2447% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 3.1830% | 1,463 |
| Noncurrent loans to loans | 3.1383% | 1,644 |
| Net loans and leases to total assets | 89.6274% | 58 |
| Net loans and leases to deposits | 156.1021% | 20 |
| Net loans and leases to core deposits | 174.6484% | 60 |
| Total domestic deposits to total assets | 57.4158% | 6,993 |
| Equity capital to assets | 20.2623% | 216 |
| Core capital (leverage) ratio | 20.2623% | 184 |
| Tier 1 risk-based capital ratio | 24.7686% | 877 |
| Total risk-based capital ratio | 26.0427% | 863 |
| Memoranda: | ||
| Average total assets | $288,386,400 | 2,219 |
| Average earning assets | $270,997,600 | 2,151 |
| Average equity | $54,847,000 | 1,304 |
| Average total loans | $253,661,400 | 1,626 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 1,098 |
| Cost of funding earning assets | 1.4239% | 275 |
| Net interest margin | 3.8266% | 3,222 |
| Noninterest income to average assets | 0.7206% | 2,619 |
| Noninterest expense to average assets | 2.6144% | 4,693 |
| Loan and lease loss provision to assets | 0.6566% | 797 |
| Net operating income to assets | 0.7018% | 3,906 |
| Return on assets (ROA) | 0.7018% | 4,151 |
| Pretax return on assets | 1.0395% | 3,565 |
| Return on Equity (ROE) | 3.7501% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.7501% | 4,256 |
| Net charge-offs to loans | 0.3751% | 2,598 |
| Credit loss provision to net charge-offs | 201.2712% | 1,369 |
| Earnings coverage of net charge-offs (x) | 5.1991% | 3,079 |
| Efficiency ratio | 60.6521% | 5,387 |
| Assets per employee ($millions) | 3.8428% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4958% | 1,215 |
| Loan loss allowance to noncurrent loans | 76.9887% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 3.2750% | 1,558 |
| Noncurrent loans to loans | 3.2418% | 1,699 |
| Net loans and leases to total assets | 88.0222% | 94 |
| Net loans and leases to deposits | 154.3393% | 20 |
| Net loans and leases to core deposits | 169.8544% | 68 |
| Total domestic deposits to total assets | 57.0316% | 7,090 |
| Equity capital to assets | 19.3148% | 274 |
| Core capital (leverage) ratio | 19.3148% | 234 |
| Tier 1 risk-based capital ratio | 23.5321% | 1,086 |
| Total risk-based capital ratio | 24.7797% | 1,067 |
| Memoranda: | ||
| Average total assets | $289,363,250 | 2,238 |
| Average earning assets | $271,463,000 | 2,176 |
| Average equity | $54,148,250 | 1,327 |
| Average total loans | $251,666,250 | 1,654 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3904% | 883 |
| Cost of funding earning assets | 1.4798% | 261 |
| Net interest margin | 3.9106% | 2,864 |
| Noninterest income to average assets | 0.5690% | 3,458 |
| Noninterest expense to average assets | 2.5241% | 5,056 |
| Loan and lease loss provision to assets | 0.6529% | 865 |
| Net operating income to assets | 0.7223% | 3,740 |
| Return on assets (ROA) | 0.7223% | 4,018 |
| Pretax return on assets | 1.0604% | 3,461 |
| Return on Equity (ROE) | 3.9006% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.9006% | 4,015 |
| Net charge-offs to loans | 0.1136% | 4,036 |
| Credit loss provision to net charge-offs | 669.0141% | 476 |
| Earnings coverage of net charge-offs (x) | 17.5563% | 1,523 |
| Efficiency ratio | 59.5686% | 5,644 |
| Assets per employee ($millions) | 4.1049% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5778% | 1,176 |
| Loan loss allowance to noncurrent loans | 67.6171% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 3.6945% | 1,411 |
| Noncurrent loans to loans | 3.8123% | 1,470 |
| Net loans and leases to total assets | 85.4652% | 158 |
| Net loans and leases to deposits | 146.8560% | 22 |
| Net loans and leases to core deposits | 162.5905% | 85 |
| Total domestic deposits to total assets | 58.1966% | 7,147 |
| Equity capital to assets | 18.9504% | 282 |
| Core capital (leverage) ratio | 18.9504% | 244 |
| Tier 1 risk-based capital ratio | 23.4879% | 1,076 |
| Total risk-based capital ratio | 24.7574% | 1,058 |
| Memoranda: | ||
| Average total assets | $291,028,670 | 2,222 |
| Average earning assets | $273,002,000 | 2,173 |
| Average equity | $53,889,330 | 1,326 |
| Average total loans | $249,984,000 | 1,663 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4568% | 821 |
| Cost of funding earning assets | 1.5253% | 253 |
| Net interest margin | 3.9314% | 2,799 |
| Noninterest income to average assets | 0.5053% | 3,877 |
| Noninterest expense to average assets | 2.4775% | 5,223 |
| Loan and lease loss provision to assets | 0.8878% | 503 |
| Net operating income to assets | 0.5627% | 4,532 |
| Return on assets (ROA) | 0.5627% | 4,752 |
| Pretax return on assets | 0.8222% | 4,333 |
| Return on Equity (ROE) | 3.0742% | 5,689 |
| Retained earnings to average equity (ytd only) | 3.0742% | 4,715 |
| Net charge-offs to loans | 0.1318% | 3,316 |
| Credit loss provision to net charge-offs | 792.6829% | 435 |
| Earnings coverage of net charge-offs (x) | 15.2683% | 1,427 |
| Efficiency ratio | 59.1650% | 5,749 |
| Assets per employee ($millions) | 4.5614% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5219% | 1,319 |
| Loan loss allowance to noncurrent loans | 61.3529% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 3.9017% | 1,428 |
| Noncurrent loans to loans | 4.1105% | 1,476 |
| Net loans and leases to total assets | 82.8587% | 230 |
| Net loans and leases to deposits | 140.6451% | 28 |
| Net loans and leases to core deposits | 155.1941% | 97 |
| Total domestic deposits to total assets | 58.9134% | 7,205 |
| Equity capital to assets | 18.4341% | 311 |
| Core capital (leverage) ratio | 18.4341% | 272 |
| Tier 1 risk-based capital ratio | 23.4433% | 1,075 |
| Total risk-based capital ratio | 24.7114% | 1,055 |
| Memoranda: | ||
| Average total assets | $292,870,500 | 2,218 |
| Average earning assets | $274,301,000 | 2,169 |
| Average equity | $53,607,500 | 1,320 |
| Average total loans | $248,937,000 | 1,669 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 2,645 |
| Cost of funding earning assets | 1.7623% | 248 |
| Net interest margin | 3.2889% | 5,840 |
| Noninterest income to average assets | 0.2939% | 5,428 |
| Noninterest expense to average assets | 2.2624% | 6,143 |
| Loan and lease loss provision to assets | 0.4533% | 2,333 |
| Net operating income to assets | 0.4380% | 4,698 |
| Return on assets (ROA) | 0.4673% | 4,761 |
| Pretax return on assets | 0.7053% | 4,304 |
| Return on Equity (ROE) | 2.8268% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.8268% | 4,228 |
| Net charge-offs to loans | 0.7847% | 2,195 |
| Credit loss provision to net charge-offs | 71.6503% | 4,790 |
| Earnings coverage of net charge-offs (x) | 1.7610% | 4,460 |
| Efficiency ratio | 67.0059% | 4,575 |
| Assets per employee ($millions) | 4.7389% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2789% | 1,659 |
| Loan loss allowance to noncurrent loans | 48.8079% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 4.4327% | 1,243 |
| Noncurrent loans to loans | 4.6691% | 1,265 |
| Net loans and leases to total assets | 83.0587% | 271 |
| Net loans and leases to deposits | 142.2324% | 37 |
| Net loans and leases to core deposits | 157.6117% | 112 |
| Total domestic deposits to total assets | 58.3965% | 7,248 |
| Equity capital to assets | 18.1751% | 338 |
| Core capital (leverage) ratio | 18.1751% | 289 |
| Tier 1 risk-based capital ratio | 23.5856% | 1,014 |
| Total risk-based capital ratio | 24.8509% | 997 |
| Memoranda: | ||
| Average total assets | $305,555,200 | 2,090 |
| Average earning assets | $286,388,000 | 2,047 |
| Average equity | $50,516,400 | 1,351 |
| Average total loans | $246,323,600 | 1,695 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 3,007 |
| Cost of funding earning assets | 1.7820% | 279 |
| Net interest margin | 3.2342% | 6,066 |
| Noninterest income to average assets | 0.2412% | 5,899 |
| Noninterest expense to average assets | 2.1822% | 6,318 |
| Loan and lease loss provision to assets | 0.4689% | 2,109 |
| Net operating income to assets | 0.4005% | 5,001 |
| Return on assets (ROA) | 0.4387% | 5,017 |
| Pretax return on assets | 0.6790% | 4,557 |
| Return on Equity (ROE) | 2.7177% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.7177% | 4,727 |
| Net charge-offs to loans | 0.7745% | 2,013 |
| Credit loss provision to net charge-offs | 76.0870% | 4,275 |
| Earnings coverage of net charge-offs (x) | 1.7672% | 4,330 |
| Efficiency ratio | 66.7063% | 4,584 |
| Assets per employee ($millions) | 4.7663% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4485% | 1,470 |
| Loan loss allowance to noncurrent loans | 55.0863% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 4.0006% | 1,532 |
| Noncurrent loans to loans | 4.4449% | 1,452 |
| Net loans and leases to total assets | 80.4692% | 473 |
| Net loans and leases to deposits | 138.8719% | 37 |
| Net loans and leases to core deposits | 154.5363% | 124 |
| Total domestic deposits to total assets | 57.9449% | 7,323 |
| Equity capital to assets | 17.5982% | 433 |
| Core capital (leverage) ratio | 17.5982% | 360 |
| Tier 1 risk-based capital ratio | 23.4912% | 1,075 |
| Total risk-based capital ratio | 24.7591% | 1,053 |
| Memoranda: | ||
| Average total assets | $308,490,500 | 2,081 |
| Average earning assets | $289,030,750 | 2,034 |
| Average equity | $49,795,250 | 1,372 |
| Average total loans | $245,472,250 | 1,719 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 3,352 |
| Cost of funding earning assets | 1.7963% | 315 |
| Net interest margin | 3.1637% | 6,253 |
| Noninterest income to average assets | 0.1311% | 6,667 |
| Noninterest expense to average assets | 2.1451% | 6,512 |
| Loan and lease loss provision to assets | 0.4884% | 2,016 |
| Net operating income to assets | 0.2949% | 5,387 |
| Return on assets (ROA) | 0.3509% | 5,307 |
| Pretax return on assets | 0.5527% | 4,900 |
| Return on Equity (ROE) | 2.2387% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.2387% | 4,870 |
| Net charge-offs to loans | 0.8066% | 1,891 |
| Credit loss provision to net charge-offs | 77.0010% | 3,854 |
| Earnings coverage of net charge-offs (x) | 1.5035% | 4,162 |
| Efficiency ratio | 69.2244% | 4,284 |
| Assets per employee ($millions) | 5.0156% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4766% | 1,479 |
| Loan loss allowance to noncurrent loans | 53.9422% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 4.3945% | 1,435 |
| Noncurrent loans to loans | 4.5912% | 1,436 |
| Net loans and leases to total assets | 79.5162% | 583 |
| Net loans and leases to deposits | 136.4268% | 43 |
| Net loans and leases to core deposits | 151.1698% | 143 |
| Total domestic deposits to total assets | 58.2849% | 7,388 |
| Equity capital to assets | 17.1195% | 473 |
| Core capital (leverage) ratio | 17.1195% | 396 |
| Tier 1 risk-based capital ratio | 23.1028% | 1,102 |
| Total risk-based capital ratio | 24.3709% | 1,084 |
| Memoranda: | ||
| Average total assets | $311,227,330 | 2,070 |
| Average earning assets | $291,935,670 | 2,023 |
| Average equity | $48,779,000 | 1,384 |
| Average total loans | $244,730,330 | 1,745 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 3,516 |
| Cost of funding earning assets | 1.7932% | 388 |
| Net interest margin | 3.1212% | 6,290 |
| Noninterest income to average assets | 0.1313% | 6,758 |
| Noninterest expense to average assets | 2.3144% | 6,152 |
| Loan and lease loss provision to assets | 0.4588% | 1,921 |
| Net operating income to assets | 0.1465% | 5,956 |
| Return on assets (ROA) | 0.2574% | 5,653 |
| Pretax return on assets | 0.4550% | 5,171 |
| Return on Equity (ROE) | 1.7199% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.7199% | 5,090 |
| Net charge-offs to loans | 0.6090% | 1,979 |
| Credit loss provision to net charge-offs | 97.5610% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.5745% | 3,533 |
| Efficiency ratio | 75.7614% | 3,193 |
| Assets per employee ($millions) | 4.8202% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6494% | 1,260 |
| Loan loss allowance to noncurrent loans | 106.9653% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 2.8326% | 2,435 |
| Noncurrent loans to loans | 2.4769% | 3,016 |
| Net loans and leases to total assets | 76.1832% | 1,012 |
| Net loans and leases to deposits | 128.3311% | 62 |
| Net loans and leases to core deposits | 142.3658% | 182 |
| Total domestic deposits to total assets | 59.3646% | 7,439 |
| Equity capital to assets | 16.6013% | 490 |
| Core capital (leverage) ratio | 16.6013% | 430 |
| Tier 1 risk-based capital ratio | 23.0750% | 1,072 |
| Total risk-based capital ratio | 24.3455% | 1,056 |
| Memoranda: | ||
| Average total assets | $313,866,500 | 2,073 |
| Average earning assets | $293,991,500 | 2,032 |
| Average equity | $46,980,000 | 1,425 |
| Average total loans | $242,367,000 | 1,774 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2138% | 3,536 |
| Cost of funding earning assets | 2.5050% | 101 |
| Net interest margin | 2.7088% | 7,112 |
| Noninterest income to average assets | 0.1032% | 6,881 |
| Noninterest expense to average assets | 3.2726% | 2,821 |
| Loan and lease loss provision to assets | 1.3924% | 1,079 |
| Net operating income to assets | -1.3542% | 6,856 |
| Return on assets (ROA) | -1.1605% | 6,788 |
| Pretax return on assets | -1.7204% | 6,932 |
| Return on Equity (ROE) | -8.3510% | 6,643 |
| Retained earnings to average equity (ytd only) | -8.3510% | 6,556 |
| Net charge-offs to loans | 0.5792% | 3,306 |
| Credit loss provision to net charge-offs | 306.4402% | 868 |
| Earnings coverage of net charge-offs (x) | -1.3581% | 6,658 |
| Efficiency ratio | 123.2381% | 377 |
| Assets per employee ($millions) | 4.9128% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6696% | 1,205 |
| Loan loss allowance to noncurrent loans | 120.0038% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 2.4502% | 2,824 |
| Noncurrent loans to loans | 2.2246% | 3,301 |
| Net loans and leases to total assets | 74.1527% | 1,629 |
| Net loans and leases to deposits | 119.8603% | 118 |
| Net loans and leases to core deposits | 134.4492% | 276 |
| Total domestic deposits to total assets | 61.8660% | 7,483 |
| Equity capital to assets | 13.3408% | 1,239 |
| Core capital (leverage) ratio | 13.3165% | 1,023 |
| Tier 1 risk-based capital ratio | 18.8949% | 1,747 |
| Total risk-based capital ratio | 20.1651% | 1,707 |
| Memoranda: | ||
| Average total assets | $310,980,600 | 2,086 |
| Average earning assets | $293,008,400 | 2,026 |
| Average equity | $43,216,200 | 1,539 |
| Average total loans | $243,952,800 | 1,795 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 3,716 |
| Cost of funding earning assets | 2.5586% | 113 |
| Net interest margin | 2.6647% | 7,267 |
| Noninterest income to average assets | 0.1513% | 6,780 |
| Noninterest expense to average assets | 3.5461% | 1,917 |
| Loan and lease loss provision to assets | 1.7111% | 740 |
| Net operating income to assets | -1.7410% | 7,172 |
| Return on assets (ROA) | -1.6062% | 7,144 |
| Pretax return on assets | -2.3891% | 7,294 |
| Return on Equity (ROE) | -11.4422% | 6,984 |
| Retained earnings to average equity (ytd only) | -11.4422% | 6,945 |
| Net charge-offs to loans | 0.7688% | 2,507 |
| Credit loss provision to net charge-offs | 281.6702% | 1,156 |
| Earnings coverage of net charge-offs (x) | -1.4473% | 6,499 |
| Efficiency ratio | 132.9679% | 278 |
| Assets per employee ($millions) | 5.2151% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,383 |
| Loan loss allowance to noncurrent loans | 84.4649% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 2.6533% | 2,729 |
| Noncurrent loans to loans | 2.9179% | 2,735 |
| Net loans and leases to total assets | 77.7609% | 1,076 |
| Net loans and leases to deposits | 134.9266% | 57 |
| Net loans and leases to core deposits | 155.8134% | 164 |
| Total domestic deposits to total assets | 57.6320% | 7,621 |
| Equity capital to assets | 13.5909% | 1,316 |
| Core capital (leverage) ratio | 13.2885% | 1,122 |
| Tier 1 risk-based capital ratio | 18.3938% | 1,903 |
| Total risk-based capital ratio | 19.6619% | 1,860 |
| Memoranda: | ||
| Average total assets | $310,120,750 | 2,132 |
| Average earning assets | $292,761,250 | 2,054 |
| Average equity | $43,533,750 | 1,533 |
| Average total loans | $245,054,500 | 1,810 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2052% | 3,929 |
| Cost of funding earning assets | 2.5778% | 136 |
| Net interest margin | 2.6274% | 7,324 |
| Noninterest income to average assets | 0.1833% | 6,596 |
| Noninterest expense to average assets | 4.2633% | 751 |
| Loan and lease loss provision to assets | 2.2384% | 532 |
| Net operating income to assets | -2.5603% | 7,430 |
| Return on assets (ROA) | -2.5073% | 7,432 |
| Pretax return on assets | -3.7533% | 7,575 |
| Return on Equity (ROE) | -17.6757% | 7,221 |
| Retained earnings to average equity (ytd only) | -17.6757% | 7,189 |
| Net charge-offs to loans | 0.8597% | 2,109 |
| Credit loss provision to net charge-offs | 330.4843% | 1,107 |
| Earnings coverage of net charge-offs (x) | -2.3533% | 6,231 |
| Efficiency ratio | 159.7108% | 177 |
| Assets per employee ($millions) | 5.2331% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4357% | 1,387 |
| Loan loss allowance to noncurrent loans | 77.7778% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 2.7925% | 2,588 |
| Noncurrent loans to loans | 3.1316% | 2,561 |
| Net loans and leases to total assets | 76.7369% | 1,344 |
| Net loans and leases to deposits | 133.2597% | 64 |
| Net loans and leases to core deposits | 154.2486% | 194 |
| Total domestic deposits to total assets | 57.5845% | 7,690 |
| Equity capital to assets | 13.4913% | 1,349 |
| Core capital (leverage) ratio | 13.1357% | 1,163 |
| Tier 1 risk-based capital ratio | 18.5057% | 1,831 |
| Total risk-based capital ratio | 19.7734% | 1,794 |
| Memoranda: | ||
| Average total assets | $310,930,330 | 2,145 |
| Average earning assets | $294,206,000 | 2,061 |
| Average equity | $44,105,670 | 1,513 |
| Average total loans | $244,969,330 | 1,838 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 4,103 |
| Cost of funding earning assets | 2.5832% | 173 |
| Net interest margin | 2.6021% | 7,390 |
| Noninterest income to average assets | 0.2308% | 6,304 |
| Noninterest expense to average assets | 2.0883% | 6,974 |
| Loan and lease loss provision to assets | 0.3846% | 3,057 |
| Net operating income to assets | 0.1231% | 5,953 |
| Return on assets (ROA) | 0.1231% | 6,070 |
| Pretax return on assets | 0.2295% | 5,801 |
| Return on Equity (ROE) | 0.8471% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.8471% | 5,476 |
| Net charge-offs to loans | 0.2487% | 3,452 |
| Credit loss provision to net charge-offs | 196.0784% | 1,890 |
| Earnings coverage of net charge-offs (x) | 3.1307% | 3,008 |
| Efficiency ratio | 77.2770% | 3,021 |
| Assets per employee ($millions) | 5.4108% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,939 |
| Loan loss allowance to noncurrent loans | 46.4505% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 2.7231% | 2,674 |
| Noncurrent loans to loans | 3.2161% | 2,481 |
| Net loans and leases to total assets | 75.1450% | 1,705 |
| Net loans and leases to deposits | 131.6031% | 74 |
| Net loans and leases to core deposits | 154.7079% | 213 |
| Total domestic deposits to total assets | 57.0998% | 7,785 |
| Equity capital to assets | 14.2149% | 1,092 |
| Core capital (leverage) ratio | 14.2149% | 911 |
| Tier 1 risk-based capital ratio | 20.4249% | 1,443 |
| Total risk-based capital ratio | 21.6798% | 1,407 |
| Memoranda: | ||
| Average total assets | $312,018,000 | 2,183 |
| Average earning assets | $296,378,500 | 2,104 |
| Average equity | $45,331,000 | 1,485 |
| Average total loans | $246,032,000 | 1,886 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7106% | 3,048 |
| Cost of funding earning assets | 2.8642% | 351 |
| Net interest margin | 2.8464% | 6,980 |
| Noninterest income to average assets | 0.4296% | 4,968 |
| Noninterest expense to average assets | 2.1367% | 7,107 |
| Loan and lease loss provision to assets | 1.0443% | 2,194 |
| Net operating income to assets | 0.1459% | 5,060 |
| Return on assets (ROA) | 0.2625% | 4,757 |
| Pretax return on assets | 0.0858% | 5,253 |
| Return on Equity (ROE) | 1.8199% | 4,975 |
| Retained earnings to average equity (ytd only) | 1.8199% | 3,825 |
| Net charge-offs to loans | 0.9243% | 2,539 |
| Credit loss provision to net charge-offs | 135.7561% | 3,644 |
| Earnings coverage of net charge-offs (x) | 1.3175% | 4,811 |
| Efficiency ratio | 67.8295% | 5,033 |
| Assets per employee ($millions) | 5.0800% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 4,215 |
| Loan loss allowance to noncurrent loans | 58.8602% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.1398% | 3,218 |
| Noncurrent loans to loans | 2.3864% | 3,180 |
| Net loans and leases to total assets | 80.3953% | 926 |
| Net loans and leases to deposits | 145.8940% | 50 |
| Net loans and leases to core deposits | 212.7939% | 75 |
| Total domestic deposits to total assets | 55.1053% | 7,865 |
| Equity capital to assets | 14.8566% | 941 |
| Core capital (leverage) ratio | 14.8566% | 814 |
| Tier 1 risk-based capital ratio | 20.4240% | 1,383 |
| Total risk-based capital ratio | 21.6778% | 1,352 |
| Memoranda: | ||
| Average total assets | $311,222,600 | 2,157 |
| Average earning assets | $297,462,400 | 2,090 |
| Average equity | $44,892,200 | 1,496 |
| Average total loans | $259,013,400 | 1,840 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7906% | 2,934 |
| Cost of funding earning assets | 2.8915% | 477 |
| Net interest margin | 2.8991% | 6,864 |
| Noninterest income to average assets | 0.4202% | 5,131 |
| Noninterest expense to average assets | 2.0624% | 7,262 |
| Loan and lease loss provision to assets | 0.8396% | 2,281 |
| Net operating income to assets | 0.1793% | 5,224 |
| Return on assets (ROA) | 0.2783% | 4,978 |
| Pretax return on assets | 0.4471% | 4,672 |
| Return on Equity (ROE) | 1.9436% | 5,188 |
| Retained earnings to average equity (ytd only) | 1.9436% | 4,244 |
| Net charge-offs to loans | 0.5815% | 2,933 |
| Credit loss provision to net charge-offs | 172.6556% | 2,684 |
| Earnings coverage of net charge-offs (x) | 2.3278% | 4,080 |
| Efficiency ratio | 64.5630% | 5,646 |
| Assets per employee ($millions) | 5.1031% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 4,133 |
| Loan loss allowance to noncurrent loans | 64.9136% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 3,462 |
| Noncurrent loans to loans | 2.1034% | 3,502 |
| Net loans and leases to total assets | 82.9223% | 678 |
| Net loans and leases to deposits | 152.2574% | 49 |
| Net loans and leases to core deposits | 220.7775% | 69 |
| Total domestic deposits to total assets | 54.4619% | 7,943 |
| Equity capital to assets | 14.9853% | 1,006 |
| Core capital (leverage) ratio | 14.9853% | 860 |
| Tier 1 risk-based capital ratio | 20.4956% | 1,457 |
| Total risk-based capital ratio | 21.7494% | 1,413 |
| Memoranda: | ||
| Average total assets | $312,828,250 | 2,157 |
| Average earning assets | $299,349,250 | 2,096 |
| Average equity | $44,794,500 | 1,515 |
| Average total loans | $261,632,750 | 1,841 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 2,827 |
| Cost of funding earning assets | 2.9170% | 579 |
| Net interest margin | 2.9288% | 6,738 |
| Noninterest income to average assets | 0.4294% | 5,038 |
| Noninterest expense to average assets | 2.0313% | 7,409 |
| Loan and lease loss provision to assets | 0.9598% | 1,764 |
| Net operating income to assets | 0.1368% | 5,460 |
| Return on assets (ROA) | 0.2835% | 5,069 |
| Pretax return on assets | 0.4710% | 4,716 |
| Return on Equity (ROE) | 2.0095% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.0095% | 4,225 |
| Net charge-offs to loans | 0.4825% | 2,901 |
| Credit loss provision to net charge-offs | 238.2445% | 1,956 |
| Earnings coverage of net charge-offs (x) | 2.9828% | 3,615 |
| Efficiency ratio | 62.8320% | 6,113 |
| Assets per employee ($millions) | 5.0243% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 3,883 |
| Loan loss allowance to noncurrent loans | 109.1331% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.4944% | 3,993 |
| Noncurrent loans to loans | 1.2558% | 4,690 |
| Net loans and leases to total assets | 82.7715% | 814 |
| Net loans and leases to deposits | 151.4547% | 59 |
| Net loans and leases to core deposits | 222.1221% | 78 |
| Total domestic deposits to total assets | 54.6510% | 8,021 |
| Equity capital to assets | 14.6551% | 1,124 |
| Core capital (leverage) ratio | 14.6551% | 986 |
| Tier 1 risk-based capital ratio | 21.6793% | 1,303 |
| Total risk-based capital ratio | 22.9348% | 1,271 |
| Memoranda: | ||
| Average total assets | $316,743,670 | 2,164 |
| Average earning assets | $303,191,670 | 2,094 |
| Average equity | $44,686,670 | 1,534 |
| Average total loans | $264,470,330 | 1,865 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8470% | 3,044 |
| Cost of funding earning assets | 2.9449% | 691 |
| Net interest margin | 2.9021% | 6,739 |
| Noninterest income to average assets | 0.1081% | 7,492 |
| Noninterest expense to average assets | 1.8852% | 7,573 |
| Loan and lease loss provision to assets | 1.0190% | 1,287 |
| Net operating income to assets | -0.0240% | 6,296 |
| Return on assets (ROA) | 0.2647% | 5,586 |
| Pretax return on assets | 0.4387% | 5,275 |
| Return on Equity (ROE) | 1.9115% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.9115% | 4,790 |
| Net charge-offs to loans | 0.8489% | 1,538 |
| Credit loss provision to net charge-offs | 144.1125% | 2,855 |
| Earnings coverage of net charge-offs (x) | 1.4236% | 4,023 |
| Efficiency ratio | 65.1912% | 5,470 |
| Assets per employee ($millions) | 5.6020% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 5,154 |
| Loan loss allowance to noncurrent loans | 93.7366% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4795% | 3,713 |
| Noncurrent loans to loans | 1.2224% | 4,526 |
| Net loans and leases to total assets | 81.0636% | 1,190 |
| Net loans and leases to deposits | 141.6196% | 85 |
| Net loans and leases to core deposits | 219.0820% | 102 |
| Total domestic deposits to total assets | 57.2404% | 8,022 |
| Equity capital to assets | 13.7510% | 1,441 |
| Core capital (leverage) ratio | 13.7510% | 1,249 |
| Tier 1 risk-based capital ratio | 19.5248% | 1,716 |
| Total risk-based capital ratio | 20.7759% | 1,660 |
| Memoranda: | ||
| Average total assets | $321,875,000 | 2,154 |
| Average earning assets | $308,740,500 | 2,067 |
| Average equity | $44,572,500 | 1,539 |
| Average total loans | $268,103,500 | 1,855 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0778% | 5,156 |
| Cost of funding earning assets | 3.3307% | 852 |
| Net interest margin | 2.7471% | 7,413 |
| Noninterest income to average assets | 0.1116% | 7,571 |
| Noninterest expense to average assets | 1.8696% | 7,662 |
| Loan and lease loss provision to assets | 0.3928% | 3,341 |
| Net operating income to assets | 0.2972% | 5,557 |
| Return on assets (ROA) | 0.3343% | 5,244 |
| Pretax return on assets | 0.5464% | 4,862 |
| Return on Equity (ROE) | 2.4000% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.4000% | 3,707 |
| Net charge-offs to loans | 0.2519% | 3,760 |
| Credit loss provision to net charge-offs | 189.0411% | 2,618 |
| Earnings coverage of net charge-offs (x) | 4.2420% | 4,057 |
| Efficiency ratio | 67.9618% | 4,727 |
| Assets per employee ($millions) | 5.9044% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 5,444 |
| Loan loss allowance to noncurrent loans | 88.5871% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2947% | 3,635 |
| Noncurrent loans to loans | 1.2148% | 4,085 |
| Net loans and leases to total assets | 83.6995% | 936 |
| Net loans and leases to deposits | 148.2907% | 82 |
| Net loans and leases to core deposits | 228.7791% | 95 |
| Total domestic deposits to total assets | 56.4428% | 8,049 |
| Equity capital to assets | 13.9464% | 1,440 |
| Core capital (leverage) ratio | 13.9464% | 1,267 |
| Tier 1 risk-based capital ratio | 20.1939% | 1,585 |
| Total risk-based capital ratio | 21.4442% | 1,554 |
| Memoranda: | ||
| Average total assets | $316,223,200 | 2,118 |
| Average earning assets | $303,811,400 | 2,009 |
| Average equity | $44,042,000 | 1,530 |
| Average total loans | $260,859,200 | 1,827 |